Round all dollar amounts to the nearest dollar. Enter a nega…
Questions
Rоund аll dоllаr аmоunts to the nearest dollar. Enter a negative result using a minus "-" sign. The management of Niantic Inc. is considering the purchase of equipment costing $[cost]. The equipment has a useful life of eight years, with $20,000 residual value. The use of this equipment will produce positive annual cash flow of $[cf] for eight years, as well as $20,000 from sale of the equipment at the end of the eighth year. Use the present value factors provided below to compute the net present value of this investment, discounted at an annual rate of 10%. Present value of $1 due in eight years, discounted at 10%, is 0.467. Present value of $1 received annually for eight years, discounted at 10% is 5.335.
Operаtiоnаl dаta changes _____, while analytic data is updated _____.
The five (5) Officiаls оf the CFPB аnd the Flоridа Office оf Financial Regulation (OFR) who joined our class were very impressed with your knowledge and class participation when they recently presented remotely on Zoom in our class. Due to your enthusiasm during last week's class, Ms. Miriam Wilkinson, OFR's Senior Attorney, wishes to interview you for a full-time position because the OFR is investigating many consumer compliance complaints at a recently merged Florida bank that has existed for less than four (4) years. Ms. Wilkinson coordinates the investigation with Messrs. Anthony Camarata, General Counsel, and Gerald Perez, Assistant General Counsel and Senior Attorney, with other federal officials, including CFPB Senior Counsel Susan Stock, who also presented in a previous class session. They are considering hiring you to help them with this extensive investigation, which may result in state indictments. During the follow-up interview with you, these OFR officials want to ascertain that you have the basic required knowledge to participate in this investigation, since they have no time to train you. However, they are confident that the knowledge you acquired during the Juris Master's program, specifically in this Consumer Finance course, will be of value to the OFR to complete the investigation in less than the budgeted time. These state officials would like to know how you plan to conduct the investigation and examination, and cover the following topics discussed in class to determine that the bank is NOT in compliance with state and federal consumer laws and regulations. Based on the textbook chapters you read, your ethical analysis, and your review of the Consumer Financial Manuals and their in-class presentations, what questions would you ask the bank’s directors, consumer finance officers, and consumer compliance staff? Also, what questions would you ask the consumers who have filed complaints to verify their legal validity? Would you please explain what you would specifically test for while assisting in the investigation regarding the following specific areas, some of which they expect to assign to you? Topics Discussed in Class Since the Mid-Term Examination Assignment 16: Automobile TransactionsAssignment 17: Payday LoansAssignment 18: Student LoansAssignment 19: Internet TransactionsAssignment 20: Banking and PaymentsAssignment 21: Creditor RemediesAssignment 22: Debtor RightsAssignment 23: Debt Collection AbusesAssignment 24: Public EnforcementAssignment 26: Alternate Dispute Resolution Assignment 27: The Future of Consumer Law Assignment 28: Florida Consumer Laws Assignment 29: Cryptocurrencies & Marijuana Banking Also, the group would like to know about any recent articles and cases you have read regarding these topics that will help you focus during the examination, and what overall knowledge you acquired from reviewing the Consumer Compliance Handbook issued by the CFPB and the FDIC Consumer Compliance Manual as well Chapter 501 of the Florida Statutes, specifically under the Florida Deceptive and Unfair Trade Practices Act (FDUTPA) Since there is a 90-minute time limit for the interview, from the topics mentioned above, please focus only on any seven (7) areas in which you have the most knowledge to express in written form what you have learned to date and to convince the State Officials to hire you. In answering this question, mention some of the topics covered by state officials during their class presentations. Please watch your monitor clock and do not exceed the time allotted. Save frequently and leave blank spaces between paragraphs. Each paragraph should not exceed five (5) lines. Do not be concerned with spelling or grammar. Use the phrase “I learned” only once. Do not spend more than 13 minutes on any one of the seven (7) topics selected. You should feel very confident since you have been preparing for this day during the summer C 2025 term. At the end of the examination, please complete the SPOT course review. Best wishes for a successful final examination and a successful personal and professional life. It was a great pleasure to meet all of you during graduation and weekly on Zoom, and I trust that this course has been and will be of value to you and your family personally, and to any current or future employer. If you need my assistance in the future, please do not hesitate to contact me by phone or e-mail. However, please do not invite me to be your friend on any social media platform since I seldom look at them, and I may miss a message you may send me. Marcos A. KerbelDirect: (305) 632-7997E-Mail: kerbelm@fiu.edu