Commerce 101 - The Business Administration Certificate 2019

A certificate in business is an introductory program to the world of business, an educational option that can be invaluable to those of us who need a change midstream or otherwise. It is an opening gambit for people who recognize the value of graduate work in business and who would like to open a business but have little understanding of the operational basics. Typically, a business certificate program is a one year introduction to the principles and practices of business, although some schools offer concentrated courses that can be completed in a shorter period. Often you will find that a school will provide for areas of concentration within their certificate offerings. One institution offers a business essentials concentration, an MBA foundation, and an international business concentration. With those options you can have your eye on entrepreneurship, an MBA, or a leg up when applying for a midlevel position with a multinational corporation. A business certificate is a solid initial step in continuing education for those wishing to crack the business world and can contribute to a resume in virtually any job search. Not much has changed since Calvin Coolidge commented that The business of America is business. Courses typically will range through statistics, accounting practices, the fundamentals of economics and other business basics. But those interested will also find instruction on marketing, guidelines for handling personnel and import- export practices. Capella University offers a certificate in Professional Project Management. Boston University Metropolitan College offers certificates in Business Management, Marketing, and International Business Management. There are enough business certificate programs now available that students can browse for the areas of concentration in which they are interested. .ud94ada226a35a666b5c968b155f34afa { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; box-shadow: 0 1px 2px rgba(0, 0, 0, 0.17); -moz-box-shadow: 0 1px 2px rgba(0, 0, 0, 0.17); -o-box-shadow: 0 1px 2px rgba(0, 0, 0, 0.17); -webkit-box-shadow: 0 1px 2px rgba(0, 0, 0, 0.17); text-decoration:none; } .ud94ada226a35a666b5c968b155f34afa:active, .ud94ada226a35a666b5c968b155f34afa:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .ud94ada226a35a666b5c968b155f34afa { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .ud94ada226a35a666b5c968b155f34afa .ctaText { font-weight:bold; color:inherit; text-decoration:none; font-size: 16px; } .ud94ada226a35a666b5c968b155f34afa .post Title { color:#000000; text-decoration: underline!important; font-size: 16px; } .ud94ada226a35a666b5c968b155f34afa:hover .postTitle { text-decoration: underline!important; } READ Top Internship Mistakes to AvoidSome programs offer just the basics. One accredited online college has a business certificate program that can be done in as little as six months, if you have the time to devote to it. Some certificate programs are designed to sharpen the skills and broaden the opportunities for people who have secured a professional position. For that reason, many of their courses are taught at night and/or online. It is important for potential students to keep in mind that distance learning opportunities are expanding rapidly. If an established campus has a program that interests the individual, a simple phone call will indicate whether that program has been made available online. A certificate in business can lead in a number of directions but, most importantly, it will get the potential student noticed. Student can tailor the certificate classes to focus on their professional area of interest. They come in all sorts of packages as well: online, in the classroom, at night; through local institutions and virtual universities. If the desire to move forward in the business world exists, the business certificate is a great first step. .ua9614463c8f10014df30fcb78829a720 { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; box-shadow: 0 1px 2px rgba(0, 0, 0, 0.17); -moz-box-shadow: 0 1px 2px rgba(0, 0, 0, 0.17); -o-box-shadow: 0 1px 2px rgba(0, 0, 0, 0.17); -webkit-box-shadow: 0 1px 2px rgba(0, 0, 0, 0.17); text-decoration:none; } .ua9614463c8f10014df30fcb78829a720:active, .ua9614463c8f10014df30fcb78829a720:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .ua9614463c8f10014df30fcb78829a720 { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .ua9614463c8f10014df30fcb78829a720 .ctaText { font-weight:bold; color:inherit; text-decoration:none; font-size: 16px; } .ua9614463c8f10014df30fcb78829a720 .post Title { color:#000000; text-decoration: underline!important; font-size: 16px; } .ua9614463c8f10014df30fcb78829a720:hover .postTitle { text-decoration: underline!important; } READ Heroes of The Information Technology BusinessRelated ArticlesThe Perks of Joining the World of International Business DegreesGetting Started With a Career in BusinessA Crash Course in Business AdministrationWhy not an MBAAn Education in Business Accounting AYour Entrepreneurship in Your Enterprise

Human Memory - 1228 Words

Human Memory The human memory is one of the most interesting things to learn about but also one of the most challenging. In this essay I will explore the human memory and how it relates to the following things: information processing theory, nature of sensory register, and the role of attention. I will also explain to the best of my ability the nature of the working memory, how the brain connect new information with prior knowledge and the nature of long term memory. Finally I will provide strategies as to how a person can transfers something to their long term memory and how a person can enhance retrieval of information from their long term memory. As technology has advanced thorough the years the human brain has been compared to†¦show more content†¦Long term memory is divided in to two types of memory-explicit(conscious) and implicit(unconscious). Some examples of things that might be embedded in your long term memory might include-a favorite vacation from your childhood, your wedding day or the birth of your child. Some of your memories will always be in the front of your brain but others you might have to work a little harder to retrieve. There are several things a person can do to transfer something from their short term memory into a long term memory. One way to transfer information into long term memory is to keep repeating it. For example i before e is a helpful spelling pattern we learn as children. We apply it whenever we are trying to spell words and those two letter are next to each other. Another way to transfer information into our long term memory is to use acronyms i.e. PEMDAS is used when completing math problems with multiple steps. Having the ability to retrieve information from our long term memory is something we learn to do better as we get older. Children are asked to remember a lot more information then we are as adults. Here are some strategies that will help anyone retrieve things from their long term memory: prior to a test allowing them to take a practice test, and when trying to complete complicated things write them down in steps. There are two main types of memory, short term and long term. The key part to our brainShow MoreRelatedHuman Memory : Malleable Memory826 Words   |  4 Pages Malleable Memories Maybe people shouldnt trust their memories. Human Memories From long time ago, humans have tried to find out what memory is, and how it works. But no one thought about that will memories goes wrong. The study of human memory can be traced back 2,300 years, Aristotle first gave his understand and analysis of memory. Everyone knows that memory is an important part of our lives, but it is also one of the most elusive parts of human. If people compare life to a wonderful movie,Read MoreHuman Memory1923 Words   |  8 PagesTo start with is to understand human memory is a diverse set of cognitive capacities by which we reconstruct past experiences and, retain information usually for present purposes. Memory is one of the most important ways by which our histories define our current actions and experiences. Most notably, the human ability to conjure up long-gone but specific episodes of our lives is both familiar and puzzling, and is a key aspect of personal identity. Memory seems to be a source of knowledge. We rememberRead MoreMemory and Human Survival1544 Words   |  7 Pageshas been experiencing many difficulties, in particular with his memory. Memory refers to the mental capa city to retain information and convert it into a form that can be stored and retrieved at a later time. Storing and retrieving memories involves passing information from one stage to the next and then retrieving that information from long-term memory. (Burton, Westen Kowalski, 2012, p.261) Memory is an integral part of human survival and without it, learning new skills, such as the ones requiredRead MoreReliability of the Human Memory1339 Words   |  5 PagesReliability of the human memory in eyewitness memory In this essay it will be argued how the human memory for recalling details of past events is not reliably accurate and that it will be interpreted through the reliability of memory in eyewitness memory and testimony. The human memory is a complex finding in the cognitive research of psychology, which can be explained by many different contributing factors but eyewitness is dependent upon the accuracy of long-term memory. However, research evidenceRead MoreThe Human Memory Process Essay941 Words   |  4 PagesMemory is associated with the â€Å"thinking again† or â€Å"recalling to the mind† of something learned from past experience. Human memory is an important part of human existence, but it is rarely understandable. Memory is a â€Å"mental time travel† (Goldstein, 2011, p. 116). A memory can bring back the feeling about situation, event and experience that occurred long ago. Memory is used to remember fact, acquired new knowledge and how to use new knowledge or skill in day to day life (Goldstein, 2011). SternbergRead MoreSuggestibility and Human Memory Essay616 Words   |  3 PagesSuggestibility in human memory is considered as the phenomenon called the misinformation effect. The misinformation effect occurs when the misleading information influence a person’s memory of the witnessed event and change how that person describes that event later. Moreover, the misleading information in this effect is referred to as misleading postevent information (MPI) (Goldstein, 2008). Loftus and her colleagues contribute a lot to the early studies of misinformation effect. In one ofRead MorePsychology: the Human Memory1141 Words   |  5 PagesThe Human Memory Tracey Percifield American Intercontinental University Abstract Unit 4 IP The human mind is a fascinating instrument that is very complex and even though we know quite a lot about it we still do not know everything. The human memory has three phases of memory interpretation; Sensory Memory, Short-Term Memory and Long-Term Memory. Knowing how each of these memories store information is comparison to c computer. The average adult knows anywhere between 50,000 to 100, 00 wordsRead MoreHuman Drug Screening For Memory856 Words   |  4 Pagesstudies, which will be in three well-established and well-accepted mouse models for memory storage. These three tests capture various forms of memory (working memory, object recognition memory and fear memory) in mice and have translational validity for human drug screening for memory disorders. Based on the published data from our lab and others (Ref) our working hypothesis is that positive compounds will enhance memory storage. The following preliminary results support the feasibility of this aim.Read MoreThe Exploration Of Human Memory Essay1848 Words   |  8 Pages The exploration of human memory will unlock the past and future. Through the exploitation of human memory man condemn itself to an apocalyptic world. The manipulation of the human memory is key to man’s control over the human mind. Memory can divide what humans see and what humans can remember. Some memories may be deceitful, but it all depends on the state of mind and past experiences of that individual. Memory isn’t just a personal experience that’s based only on that person, an eventRead MoreHow Does Human Memory Work?994 Words   |  4 Pages Holladay, April. How Does Human Memory Work? How Does Human Memory Work? USATODAY.com, 15 Apr. 2007. Web. 04 October 2015. â€Å"Information flows from the outside world through our sight, hearing smelling, tasting and touch sensors. Memory is simply ways we store and recall things we ve sensed.† When we recall memories, the original neuron path that we used to sense the experience that we are recalling is refined, and the connection is made stronger. Sensory information in stored for only a few seconds

The Current Housing Crisis in Maryland Free Essays

Abstract The current housing crisis in Maryland has devastated much of the inner city of Baltimore and surrounding counties. The economic collapse of 2008 has left many Maryland residences unemployed or underemployed. The direct impact of the economic collapse has left homeowners wondering how they will pay their mortgages and keep food on the table. We will write a custom essay sample on The Current Housing Crisis in Maryland or any similar topic only for you Order Now Maryland homeowners have been struggling to make ends meet. Some of the issues that are being faced have to do with the predatory lending practices of some mortgage lenders. President Obama signed an agreement to bailout some banks in hope to spare families from losing their homes. Those hopes did not pan out well. There was another bailout of $25 billion dollars allotted in Feb 2012 to help homeowners and reduce mortgages to the principal home values. Thus far the mortgage industry has done as little as possible to hold up their end of that bargain. We need to get educated and hold these predatory lenders accountable. The Current Housing Crisis in Maryland By a show of hands, how many people are in a financially challenging situation with paying their mortgage? Do you know that you may very well be a victim of predatory lending practices? You may be asking yourself what is predatory lending. Some of us are familiar with the term. For those who are not, I will explain what a predatory lender is and the effect they have had on our communities. Predatory lenders and the tactics they use to originate loans with unsophisticated buyers are unfair. We now have predatory legal and rescue services popping up everywhere with the defense that they are here to help us. I intend to provide you with information to free legal services and information to assist in the fight to hold the mortgage lenders accountable for what they are doing. I am a Baltimore City resident who is upside down in my mortgage. I owe more on my home than it is worth in today’s market. I am currently in the fight to have my mortgage lender do what is right by lowering my principle home value to a fair market price. I currently owe double what my home is worth. Many of us are upside down, have high interest rates or are currently in foreclosure. We are looking for relief from the banks that don’t seem to care much about where our families will sleep once we lose our homes. We need to embarrass them for the way they are treating minorities and low-moderate income families. Predatory lending practices are a huge contributing factor in the current economic crisis. Many families lost income and the home values have been declining drastically. Saving our homes from foreclosure is the main focus of many families in Maryland. I intend on exposing predatory lending practices that homeowners may not be aware of. The lack of strong regulations in Maryland has allowed unscrupulous mortgage lenders to take advantage of unsophisticated homeowners. Predatory lending has had a devastating effect on individuals and families. The term â€Å"predatory lending† has been used to describe a broad range of loans that are not common in the prime market. These loans do not offer any benefit to the borrower. Some of the most common predatory practices are: †¢Excessive fees and points †¢Ignoring borrower’s ability to repay †¢Balloon payments †¢Interest only loans †¢Excessive interest rates †¢Concealing the true cost of the loan Federal regulators have warned banks that non-traditional mortgages such as interest-only loans may lead to a rash of defaults when the principal must be paid or interest rates increase. With such loans, the homeowners are not paying towards the principal on the loan, only the interest. Interest rate increases could have a devastating effect on the mortgage payment monthly. Adjustable rates have the same devastating effect on homeowners. The interest rate is not guaranteed and could fluctuate greatly on a per month basis. With adjustable mortgage loan terms homeowners have no clue on what the loan would eventually cost them. This lending practice is a â€Å"set up to fail† proposition. Underemployment and lack of employment has been the peripheral nail in the coffin for many Maryland families. Many families have lost at least one household income and a few have lost both incomes. Income loss combined with the volatile housing market has crushed the American Dream for many homeowners. People who were able to find work after economic crisis, had to take drastic pay cuts which were not adequate to support their current needs. With the economic downturn families are left to pay for homes they cannot afford. This crisis occurred when the mortgage bubble burst. Many homes were being sold for much more than their fair market value. Once the bubble burst the home value depreciation was steep and sharp. People lost 20-40% of the equity in their homes. Although there are many programs available to help homeowners, the majority of them are unable to help homeowners who are under water on the mortgage due to the lost equity in their homes. Some foreclosures are voluntary. When the bubble burst, homeowners found themselves owing 100,000s more than the homes were worth. Those homeowners decided that paying off the mortgage was indeed a bad deal. So they just walked away from the properties. The new dagger in homeowners back is the rise in property taxes. The city government needs money so they have raised the taxed values of homes to bring in more money regardless if the home values are decreasing. Homeowners are losing their homes because their mortgage payments did not include an escrow for homeowners insurance and taxes. Once a homeowner becomes delinquent on their property taxes, they have to pay the past due amount in addition to the current amount due. For the Maryland residence that find themselves in foreclosure, please seek assistance sooner than later. Maryland laws do not demand that you are notified of the Intent to foreclose. Within your originating loan documents you signed either a â€Å"power of sale† or â€Å"assent to decree† which essentially is an ex parte order to sell your property if you are in default. In addition, the predatory lenders make it impossible to become current again once the mortgage is in default. They can add servicing fees such as late fees, force placed insurance, inspection fees, etc. to make it difficult to bring the account current. We as homeowners have the right to stay in our homes. Homes we have cared for over the years. The banks should not have the right to evict us without improving the foreclosure process so we have better and earlier notice and the opportunity to redeem prior to significant costs being incurred. They should reduce the loan principle to the fair market value, adjust interest rates and reevaluate the financial situation of the homeowners. The mortgage industry did a disservice to many of the homeowners in the room. Many of us were uninformed about the repercussions and pitfalls involved with interest only, variable rates and balloon payment loans. Predatory lending practices contributed directly to the economic crisis of the mortgage industry in Maryland. I would like to provide information to several pro bono legal services and housing resources: Pro Bono Resources Center of Maryland. (410)837-9379 or toll free (800)396-1274 www. probonomd. org 1. Civil Justice, Inc. www. civiljusticenetwork. org 2. Public Justice Center (410) 625-9409 for tenants who landlords are in foreclosure 3. Community Law Center (410) 366-7777 www. communitylaw. org 4. Maryland Hope (877) 462-7555 www. mdhope. dhcd. maryland. gov 5. Foreclosure Proceedings in Maryland (Brochure): http://www. msba. org/departments/commpubl/publications/brochures/foreclosure. htm There has been an ongoing investigation into the banking fraud and predatory lending scandal. President Obama signed another bailout of $25 billion dollars in Feb 2012 to help homeowners and reduce principle mortgage values. The bailout involved Bank of America, Citigroup, Wells Fargo, Ally Financial and JPMorgan Chase. Freddie Mac and Fannie Mae have yet to come on board however they do offer some homeowner assistance with modification of term and underwater loans. Many look at the bailout as another opportunity to reward the banks for the wrong doing they have done to the citizens and many communities. I was able to look at the bigger picture. This is a way to monitor how many loans are modified and how many principle values are reduced. By providing the bailout this time around there were defined stipulations as to what the funds are to be used for. North Carolina’s Banking Commissioner Joseph Smith will serve as the â€Å"independent monitor† to enforce the deals and their terms. The bailout does very little for the people who have already lost their homes. They are eligible to receive up to $2000. How to cite The Current Housing Crisis in Maryland, Papers