Less than prime borrowers (hence the term subprime) represent a bigger gamble. To counter this risk, creditors charge them higher interest rates than a prime borrower would pay for such a loan (Gad, 2007)
Subprime Redux and Expansion? Amazingly, the exploitation is apparently set to start again. It is amazing to this author, but in researching the research topic, they found out that the subprime market is getting back into the act of lending to the same groups of exploited people (Eichler, 2011)
¶ … ethical and legal issues regarding sub-prime mortgage lenders. Unfortunately, the focus has been inordinately upon the poor individuals who were exploited by accepting these predatory and exploitive loans o highlight & copy (Goolsbee, 2007)
The ratio of personal debt to disposable personal income rose from a 1990 rate of 77% in 1990 to 127% by the end of 2007. Most of the increase was mortgage-related, particularly in the subprime sector (Jeffries, 2008)
S. taxpayer to bail out those speculative institutions when they are going bankrupt such as Bear Stearns (Morgenson, 2008)
These two changes were part of a much broader trend of lowered lending standards and higher-risk mortgage products that infected the entire U.S. real estate market (Zandi, 2008, 255)
Duty The concept of negligence in sports injuries is highly related to the concept of duty. Just as mere negligence does not create legal liability, there is no real duty on the part of any sports participant to protect the other participants(s) from the inherent risks of the sport (Abramson et al
Breach The inapplicability of mere negligence as grounds for legal liability in sports injury situations, and the lack of duty to exercise even ordinary care during the enthusiastic play of a sport, does not mean that a breach of a certain duty of care is not possible in a sports situation that results in injury. In addition to reckless and intentional action that results in injury, amateur coaching decisions, recommendations, and strategies can lead to injuries and can be considered elements of avoidable risk, constituting a breach of duty based on the expectations of the participants (Fitzgerald 2005)
2010). Sports physicians may also be found in breach of their medical duties if pre-participation screenings are not thorough enough (Kane & White 2008)
Sports Injuries Legal Issues in Sports Injuries Negligence In the context of sports injury, especially in competitive team contact sports, mere negligence is not sufficient to warrant legal liability (Sawyer 1997). Courts have recognized that in the course of enthusiastic play, inadvertent rule violations and other cases of negligence are bound to occur, and that the expectation of such negligence is a part of the assumption of risk each voluntary participant in the sport takes on (Lazaroff 1990)
Sports Injuries Legal Issues in Sports Injuries Negligence In the context of sports injury, especially in competitive team contact sports, mere negligence is not sufficient to warrant legal liability (Sawyer 1997)
The writing reports that the briefing is part of the "Decade of Behavior," an American Psychological Association-led initiative that focuses on the impact of behavioral and social sciences' in solving societal problems, including safety issues.(Boutelle, 2006)
It is very necessary that Diversity-skilled group workers exhibit awareness of any possible negative emotional reactions toward Indigenous Peoples, African-Americans, Asian-Americans, Hispanics, Latinos/Latinas, gays, lesbians, bisexuals, or transgender persons and persons with physical, mental/emotional, and/or learning disabilities that they may hold. They are willing to contrast in a nonjudgmental manner their own beliefs and attitudes with those of Indigenous Peoples, African-Americans, Asian-Americans, Hispanics, Latinos/Latinas, gays, lesbians, bisexuals, or transgender persons and persons with physical, mental/emotional, and/or learning disabilities who are group members (Haley-Banez, Brown, & Molina, 1998, Section II)
I agree with the need to do a self-assessment as stated by Rapin. Routinely a "self check" is necessary to make sure that ones values, beliefs and theoretical orientation and how these impact upon the group, particularly when working with a diverse and multicultural population are perceived by oneself and others (Rapin, 1998, a:3)
This might or might not have had anything to do with her not receiving the job; indeed it is entirely possible that her condition had nothing at all to do with her being passed over for the job. However, by having introduced the topic into the interview, the manager has allowed the company to become potentially vulnerable to suffering financial losses and loss of status (Jolls & Prescott, n
The rights of the client will be respected. One would need to be cognizant of their vulnerable state and this is the best way for serving them respect (Schoener, 2009)
One would need to be cognizant of their vulnerable state and this is the best way for serving them respect (Schoener, 2009). Fidelity demands that a counselor needs to keep his views on suicide from being old and outdated (Schwartz & Rogers, 2004)
I will try to remove all sources that may be a source of potential harm for the client. I will try my best to protect the client from any possible harm in the future (White, 2003)
Family-owned businesses and those backed by venture capital may give rise to greater complexity, while interests in partnerships and joint ventures will entail detailed third party negotiations. There may also be anti-trust or sector-specific regulatory restraints" (Cleaver, Zarraga, Welford and Dadson, 2011)
Then, the acquisitions often materialize in a higher number of employees than the new company would require, meaning as such that the economic agents will downsize. In such a setting, the organizational staff members fear that they will lose their jobs (Richards)