1. The document discusses the process of designing a magazine cover, including choosing colors, fonts, images and layout.
2. The author selected a capital N logo to represent "nation" and the international focus. Photos were edited in Photoshop for brightness and contrast.
3. Multiple covers were designed before deciding on using a male model to complement the female used inside, with red, black and gold colors chosen for their broad appeal.
The document discusses the benefits of exercise for mental health. Regular physical activity can help reduce anxiety and depression and improve mood and cognitive function. Exercise causes chemical changes in the brain that may help protect against mental illness and improve symptoms for those who already suffer from conditions like depression and anxiety.
Week 4 Assignment: Dennegar Liability
Denisa Dobrin
New England College of Business and Finance
Introduction
Hello everyone and welcome!
My name is Denisa Dobrin and this week I will be reviewing the case “New Century Financial Services Inc v. Dennegar”. My main objective will be to answer the question: “Under what theory could Dennegar be liable for the charges?”
This presentation constitutes my Week 4 Assignment for the “Legal Issues in Business” class at NECB.
Case overview
To start, here is an overview of our case.
In February 2001, AT&T Universal issued a credit card in the name of the defendant, Lee Dennegar. AT&T Universal then sent monthly statements to the home owned by the defendant, 55 Thompson Street in Raritan. Mark Knutson was the roommate of the defendant at that time. Since Knutson had no funds or income, the defendant's funds were used to pay the mortgage on the Raritan home, and all other household expenses. The defendant testified that he allowed Knutson to manage their household's financial affairs and the "general office functions concerned with maintaining the house" (the mail, signing his name to checks etc.) – per Fisher (n.d.).
After Knutson died, the defendant learned that Knutson had incurred obligations in his name of which he claimed he was not previously aware. This happened as the plaintiff, New Century Financial Services Inc., to whom the AT&T Universal credit card debt had been assigned, filed an action to collect. Although defendant stated, as mentioned, that he had no knowledge of this account, the trial judge found that "defendant created the situation where someone else would utilize his financial resources to pay for the joint expenses." (Fisher, n.d.) Since either he or Knutson had opened and used the account, the defendant was liable for the accrued debt.
On appeal, defendant argued that the judge erroneously admitted hearsay evidence. He also maintained that “the evidence failed to demonstrate the formation of a contract between AT&T and defendant, or that Knutson had the apparent authority to act for defendant, and that plaintiff or its assignor failed to comply with the Truth in Lending Act (TILA), 15 U.S.C.A. §§ 1601 to 1667.” (Justia US Law.com, 2007)
Upon reviewing the case, it becomes obvious that the theory we need to analyze closer is the Agency theory. While doing that will also define the "Master-Servant Rule” and find a meaning for apparent authority. We will then touch on the issue of Creditors' and Debtors' rights as it relates to credit cards. Lastly, there will be a few words about the Truth in Lending Act (TILA) before drawing to a conclusion on the case at hand.
Agency theory
Agency is conceivably the most conventional legal relationship in the business world. It explains the relationship between principals and agents. It is a legal relationship in which one party, the agent, transacts business (for third parties) for and under the control of the second, the principal.
1. The document discusses the process of designing a magazine cover, including choosing colors, fonts, images and layout.
2. The author selected a capital N logo to represent "nation" and the international focus. Photos were edited in Photoshop for brightness and contrast.
3. Multiple covers were designed before deciding on using a male model to complement the female used inside, with red, black and gold colors chosen for their broad appeal.
The document discusses the benefits of exercise for mental health. Regular physical activity can help reduce anxiety and depression and improve mood and cognitive function. Exercise causes chemical changes in the brain that may help protect against mental illness and improve symptoms for those who already suffer from conditions like depression and anxiety.
Week 4 Assignment: Dennegar Liability
Denisa Dobrin
New England College of Business and Finance
Introduction
Hello everyone and welcome!
My name is Denisa Dobrin and this week I will be reviewing the case “New Century Financial Services Inc v. Dennegar”. My main objective will be to answer the question: “Under what theory could Dennegar be liable for the charges?”
This presentation constitutes my Week 4 Assignment for the “Legal Issues in Business” class at NECB.
Case overview
To start, here is an overview of our case.
In February 2001, AT&T Universal issued a credit card in the name of the defendant, Lee Dennegar. AT&T Universal then sent monthly statements to the home owned by the defendant, 55 Thompson Street in Raritan. Mark Knutson was the roommate of the defendant at that time. Since Knutson had no funds or income, the defendant's funds were used to pay the mortgage on the Raritan home, and all other household expenses. The defendant testified that he allowed Knutson to manage their household's financial affairs and the "general office functions concerned with maintaining the house" (the mail, signing his name to checks etc.) – per Fisher (n.d.).
After Knutson died, the defendant learned that Knutson had incurred obligations in his name of which he claimed he was not previously aware. This happened as the plaintiff, New Century Financial Services Inc., to whom the AT&T Universal credit card debt had been assigned, filed an action to collect. Although defendant stated, as mentioned, that he had no knowledge of this account, the trial judge found that "defendant created the situation where someone else would utilize his financial resources to pay for the joint expenses." (Fisher, n.d.) Since either he or Knutson had opened and used the account, the defendant was liable for the accrued debt.
On appeal, defendant argued that the judge erroneously admitted hearsay evidence. He also maintained that “the evidence failed to demonstrate the formation of a contract between AT&T and defendant, or that Knutson had the apparent authority to act for defendant, and that plaintiff or its assignor failed to comply with the Truth in Lending Act (TILA), 15 U.S.C.A. §§ 1601 to 1667.” (Justia US Law.com, 2007)
Upon reviewing the case, it becomes obvious that the theory we need to analyze closer is the Agency theory. While doing that will also define the "Master-Servant Rule” and find a meaning for apparent authority. We will then touch on the issue of Creditors' and Debtors' rights as it relates to credit cards. Lastly, there will be a few words about the Truth in Lending Act (TILA) before drawing to a conclusion on the case at hand.
Agency theory
Agency is conceivably the most conventional legal relationship in the business world. It explains the relationship between principals and agents. It is a legal relationship in which one party, the agent, transacts business (for third parties) for and under the control of the second, the principal.
El documento describe un software desarrollado en Microsoft Access 2010 llamado "llegada tarde de los estudiantes a la institución" para el Instituto Técnico Nuestra Señora de Manare. El software recopila información sobre estudiantes y acudientes como identificación, nombre, grado, número de celular y registra las llegadas tarde a la institución para mejorar el control y manejo de los estudiantes.
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This webinar was led by Alexandra Thebert, an innovative leader and consummate organizer, who has served as executive director of Save the Wild U.P. in Marquette, Michigan; chapter organizer with Physicians for National Health Plan in Chicago, and numerous political and advocacy campaigns. It features the power of the membership drive to build solidarity, fundraising as a growth and leadership engagement model, and why rich donors won't save the world (sorry).
Talonrakentajat ja tablettitietokoneet sopivat yhteen - Kuninkaankylän puurak...Sonera
Kuninkaankylän Puurakentajat käyttävät rakennustyömailla tablettitietokoneita, joiden avulla katsotaan mallipiirrustuksia,
soitetaan videopuheluita ja etsitään tietoa. Työnteko sujuu entistä nopeammin ja helpommin.
Tutustu muihin asiakastarinoihin Soneran sivuilla: http://bit.ly/1qYh3j5
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Guys, we know you spend a lot of time caring about a lot of things other than your health. Your family, your house, your relationships, and maybe even your favorite sports team. Take a little time now to take care of yourself and you could gain some big benefits in the future.
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El documento describe un software desarrollado en Microsoft Access 2010 llamado "llegada tarde de los estudiantes a la institución" para el Instituto Técnico Nuestra Señora de Manare. El software recopila información sobre estudiantes y acudientes como identificación, nombre, grado, número de celular y registra las llegadas tarde a la institución para mejorar el control y manejo de los estudiantes.
El documento explica los conceptos de derecho de autor, propiedad intelectual, plagio, patentes y la ley SOPA. El derecho de autor protege los derechos morales y patrimoniales de los autores sobre sus creaciones literarias, artísticas o científicas. La propiedad intelectual incluye todas las creaciones del intelecto humano como invenciones, obras y símbolos. El plagio viola los derechos de autoría y patrimoniales. Las patentes protegen productos y procesos nuevos, inventivos y con aplicación
This webinar was led by Alexandra Thebert, an innovative leader and consummate organizer, who has served as executive director of Save the Wild U.P. in Marquette, Michigan; chapter organizer with Physicians for National Health Plan in Chicago, and numerous political and advocacy campaigns. It features the power of the membership drive to build solidarity, fundraising as a growth and leadership engagement model, and why rich donors won't save the world (sorry).
Talonrakentajat ja tablettitietokoneet sopivat yhteen - Kuninkaankylän puurak...Sonera
Kuninkaankylän Puurakentajat käyttävät rakennustyömailla tablettitietokoneita, joiden avulla katsotaan mallipiirrustuksia,
soitetaan videopuheluita ja etsitään tietoa. Työnteko sujuu entistä nopeammin ja helpommin.
Tutustu muihin asiakastarinoihin Soneran sivuilla: http://bit.ly/1qYh3j5
Linux Control Groups (Контрольные группы) -- механизм, позволяющий управлять группами процессов в Linux и их ресурсами. Это мощный инструмент о котором знают далеко не все. Презентация дает краткий обзор.
The International Fish Oil Standards (IFOS) Program: An OverviewNutrasource
The International Fish Oil Standards (IFOS) Program is the only third party testing and certification program for the fish oil industry. We help companies add market value to their brands so that they stand out on the shelf as symbols of purity, safety and stability. www.ifosprogram.com
Evaluation Question 4 - How did you use media technologies in the constructio...haverstockmedia
The student used various media technologies to construct their film trailer, conduct research, and evaluate their work. Final Cut Pro, GarageBand, Motion, and Photoshop were used to edit video clips, add soundtracks, create titles, and design promotional materials. YouTube, PowerPoint, and Google were utilized for research, planning, and gathering audience feedback. Overall, the different software allowed the student to produce their film trailer and complete all accompanying stages of the project.
Modul ajar membuat aplikasi mobile multiplatform menggunakan android studioElsa Charming
Modul ini membahas tentang pembuatan aplikasi mobile multiplatform menggunakan Android Studio dan Phonegap. Langkah-langkahnya meliputi instalasi perangkat lunak yang dibutuhkan, membuat proyek aplikasi, mengimpor proyek ke Android Studio, membuat file APK, dan menguji coba aplikasi di ponsel.
Guys, we know you spend a lot of time caring about a lot of things other than your health. Your family, your house, your relationships, and maybe even your favorite sports team. Take a little time now to take care of yourself and you could gain some big benefits in the future.
Este documento ofrece una introducción general sobre los huertos, incluyendo la definición de un huerto, los primeros huertos neolíticos, cómo preparar un huerto abonando la tierra y sembrando semillas, los diferentes tipos de hortalizas y frutas cultivadas, y los cuidados necesarios a lo largo de las estaciones del año. También describe las herramientas utilizadas y las plagas comunes que pueden afectar al huerto.
Advice in an ageing society - Money marketing conferenceILC- UK
The document discusses issues related to longevity, aging, and population change. It summarizes that the International Longevity Centre-UK is an independent think tank focused on addressing these issues through evidence-based policy work. It notes challenges including a growing population of the oldest old (age 85+), who often live alone and have higher rates of illness, disability, and poverty than younger older groups. Healthcare and long-term care costs are also projected to rise substantially with aging populations.