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Trading System
 
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An automated trading system (ATS) is a computer program that creates orders and automatically submits them to a market center or exchange. Automated trading systems are often used with electronic trading in automated market centers, including electronic communication networks, "dark pools", and automated exchanges.[1] Automated trading systems and electronic trading platforms can execute repetitive tasks at speeds with orders of magnitude greater than any human equivalent. Traditional risk controls and safeguards that relied on human judgment and manual speeds that were appropriate to manual and/or floor-based trading environments, must now be automated to evaluate and control automated trading
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Mortgage loans
 
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A mortgage loan, also referred to as a mortgage, is used either by purchasers of real property to raise funds to buy real estate; or alternatively by existing property owners to raise funds for any purpose, while putting a lien on the property being mortgaged. The loan is "secured" on the borrower's property. This means that a legal mechanism is put in place which allows the lender to take possession and sell the secured property ("foreclosure" or "repossession") to pay off the loan in the event that the borrower defaults on the loan or otherwise fails to abide by its terms. The word mortgage is derived from a "Law French" term used by English lawyers in the Middle Ages meaning "death pledge", and refers to the pledge ending (dying) when either the obligation is fulfilled or the property is taken through foreclosure.[1] Mortgage can also be described as "a borrower giving consideration in the form of a collateral for a benefit (loan)."
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Online loans system policy
 
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A payday loan (also called a payday advance, salary loan, payroll loan, small dollar loan, short term, or cash advance loan) is a small, short-term unsecured loan, "regardless of whether repayment of loans is linked to a borrower's payday."[1][2][3] The loans are also sometimes referred to as "cash advances," though that term can also refer to cash provided against a prearranged line of credit such as a credit card. Payday advance loans rely on the consumer having previous payroll and employment records. Legislation regarding payday loans varies widely between different countries, and in federal systems, between different states or provinces. To prevent usury (unreasonable and excessive rates of interest), some jurisdictions limit the annual percentage rate (APR) that any lender, including payday lenders, can charge. Some jurisdictions outlaw payday lending entirely, and some have very few restrictions on payday lenders. In the United States, the rates of these loans used to be restricted in most states by the Uniform Small Loan Laws (USLL),[4][5] with 36–40% APR generally the norm.
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BBA Degree
 
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The Bachelor of Business Administration (BBA or B.B.A.) is a bachelor's degree in commerce and business administration. The degree is conferred after four years of full-time study in one or more areas of business concentrations. The BBA program usually includes general business courses and advanced courses for specific concentrations
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Conference call
 
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A conference call is a telephone call in which someone talks to several people at the same time. The conference calls may be designed to allow the called party to participate during the call, or the call may be set up so that the called party merely listens into the call and cannot speak. It is sometimes called ATC (audio tele-conference). Conference calls can be designed so that the calling party calls the other participants and adds them to the call; however, participants are usually able to call into the conference call themselves by dialing a telephone number that connects to a "conference bridge" (a specialized type of equipment that links telephone lines). Companies commonly use a specialized service provider who maintains the conference bridge, or who provides the phone numbers and PIN codes that participants dial to access the meeting or conference call. The more limited three-way calling is available (usually at an extra charge) on home or office phone lines. For a three-way call, the first called party is dialed. Then the hook flash button (or recall button) is pressed and the other called party's phone number is dialed. While it is ringing, flash/recall is pressed again to connect the three people together. This option allows callers to add a second outgoing call to an already connected call.
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Health Insurance
 
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A health insurance policy is: A contract between an insurance provider (e.g. an insurance company or a government) and an individual or his/her sponsor (e.g. an employer or a community organization). The contract can be renewable (e.g. annually, monthly) or lifelong in the case of private insurance, or be mandatory for all citizens in the case of national plans. The type and amount of health care costs that will be covered by the health insurance provider are specified in writing, in a member contract or "Evidence of Coverage" booklet for private insurance, or in a national health policy for public insurance. (US specific) Provided by an employer-sponsored self-funded ERISA plan. The company generally advertises that they have one of the big insurance companies. However, in an ERISA case, that insurance company "doesn't engage in the act of insurance", they just administer it. Therefore, ERISA plans are not subject to state laws. ERISA plans are governed by federal law under the jurisdiction of the US Department of Labor (USDOL). The specific benefits or coverage details are found in the Summary Plan Description (SPD). An appeal must go through the insurance company, then to the Employer's Plan Fiduciary. If still required, the Fiduciary's decision can be brought to the USDOL to review for ERISA compliance, and then file a lawsuit in federal court. The individual insured person's obligations may take several forms:[2] Premium: The amount the policy-holder or their sponsor (e.g. an employer) pays to the health plan to purchase health coverage. Deductible: The amount that the insured must pay out-of-pocket before the health insurer pays its share. For example, policy-holders might have to pay a $500 deductible per year, before any of their health care is covered by the health insurer. It may take several doctor's visits or prescription refills before the insured person reaches the deductible and the insurance company starts to pay for care. Furthermore, most policies do not apply co-pays for doctor's visits or prescriptions against your deductible. Co-payment: The amount that the insured person must pay out of pocket before the health insurer pays for a particular visit or service. For example, an insured person might pay a $45 co-payment for a doctor's visit, or to obtain a prescription. A co-payment must be paid each time a particular service is obtained. Coinsurance: Instead of, or in addition to, paying a fixed amount up front (a co-payment), the co-insurance is a percentage of the total cost that insured person may also pay. For example, the member might have to pay 20% of the cost of a surgery over and above a co-payment, while the insurance company pays the other 80%. If there is an upper limit on coinsurance, the policy-holder could end up owing very little, or a great deal, depending on the actual costs of the services they obtain. Exclusions: Not all services are covered. The insured are generally expected to pay the full cost of non-covered services out of their own pockets. Coverage limits: Some health insurance policies only pay for health care up to a certain dollar amount. The insured person may be expected to pay any charges in excess of the health plan's maximum payment for a specific service. In addition, some insurance company schemes have annual or lifetime coverage maxima. In these cases, the health plan will stop payment when they reach the benefit maximum, and the policy-holder must pay all remaining costs.
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University of Cambridge
 
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The University of Cambridge (informally Cambridge University or simply Cambridge)[note 1] is a collegiate public research university in Cambridge, England. Founded in 1209 and given royal charter status by King Henry III in 1231, Cambridge is the second-oldest university in the English-speaking world and the world's fourth-oldest surviving university.[7] The university grew out of an association of scholars who left the University of Oxford after a dispute with the townspeople.[8] The two ancient universities share many common features and are often referred to jointly as "Oxbridge". Cambridge is formed from a variety of institutions which include 31 constituent colleges and over 100 academic departments organised into six schools.[9] Cambridge University Press, a department of the university, is the world's oldest publishing house and the second-largest university press in the world.[10][11] The university also operates eight cultural and scientific museums, including the Fitzwilliam Museum, and a botanic garden. Cambridge's libraries hold a total of around 15 million books, eight million of which are in Cambridge University Library, a legal deposit library. In the year ended 31 July 2015, the university had a total income of £1.64 billion, of which £398 million was from research grants and contracts.[12] The central university and colleges have a combined endowment of around £5.89 billion, the largest of any university outside the United States.[13] The university is closely linked with the development of the high-tech business cluster known as "Silicon Fen". It is a member of numerous associations and forms part of the "golden triangle" of leading English universities and Cambridge University Health Partners, an academic health science centre. Cambridge is consistently ranked as one of the world's best universities.[14][15][16] The university has educated many notable alumni, including eminent mathematicians, scientists, politicians, lawyers, philosophers, writers, actors, and foreign Heads of State. Ninety-five Nobel laureates, two Chief Scientists of the U.S. Air Force and ten Fields medalists have been affiliated with Cambridge as students, faculty, staff or alumni.[17]
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california institute of technology
 
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california institute of technology
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Attorney system
 
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In most common law jurisdictions, the attorney general or attorney-general (pluralized as attorneys general or attorneys-general, as "general" is a postpositive adjective) is the main legal advisor to the government, and in some jurisdictions they may also have executive responsibility for law enforcement, prosecutions or even responsibility for legal affairs generally. In practice, the extent to which the attorney-general personally provides legal advice to the government varies between jurisdictions, and even between individual office-holders within the same jurisdiction, often depending on the level and nature of the office-holder's prior legal experience. The term was originally used to refer to any person who holds a general power of attorney to represent a principal in all matters. In the common law tradition, anyone who represents the state, especially in criminal prosecutions, is such an attorney. Although a government may designate some official as the permanent attorney general, anyone who comes to represent the state in the same way may, in the past, be referred to as such, even if only for a particular case. Today, however, in most jurisdictions the term is largely reserved as a title of the permanently appointed attorney general of the state, sovereign or other member of the royal family.
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Insurance policy
 
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In insurance, the insurance policy is a contract (generally a standard form contract) between the insurer and the insured, known as the policyholder, which determines the claims which the insurer is legally required to pay. In exchange for an initial payment, known as the premium, the insurer promises to pay for loss caused by perils covered under the policy language. Insurance contracts are designed to meet specific needs and thus have many features not found in many other types of contracts. Since insurance policies are standard forms, they feature boilerplate language which is similar across a wide variety of different types of insurance policies. The insurance policy is generally an integrated contract, meaning that it includes all forms associated with the agreement between the insured and insurer.[1]:10 In some cases, however, supplementary writings such as letters sent after the final agreement can make the insurance policy a non-integrated contract.[1]:11 One insurance textbook states that generally "courts consider all prior negotiations or agreements ... every contractual term in the policy at the time of delivery, as well as those written afterwards as policy riders and endorsements ... with both parties' consent, are part of written policy".[2] The textbook also states that the policy must refer to all papers which are part of the policy.[2] Oral agreements are subject to the parol evidence rule, and may not be considered part of the policy if the contract appears to be whole. Advertising materials and circulars are typically not part of a policy.[2] Oral contracts pending the issuance of a written policy can occur.[2]
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Mortgage Calculator
 
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A mortgage loan, also referred to as a mortgage, is used either by purchasers of real property to raise funds to buy real estate; or alternatively by existing property owners to raise funds for any purpose, while putting a lien on the property being mortgaged. The loan is "secured" on the borrower's property. This means that a legal mechanism is put in place which allows the lender to take possession and sell the secured property ("foreclosure" or "repossession") to pay off the loan in the event that the borrower defaults on the loan or otherwise fails to abide by its terms. The word mortgage is derived from a "Law French" term used by English lawyers in the Middle Ages meaning "death pledge", and refers to the pledge ending (dying) when either the obligation is fulfilled or the property is taken through foreclosure.[1] Mortgage can also be described as "a borrower giving consideration in the form of a collateral for a benefit (loan)."
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Mesothelioma Law firm
 
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The law firm Lewis & Scholnick was formed in January 1990. Specializing in personal injury and wrongful death claims based on asbestos exposure, including cases of asbestosis, lung cancer, and mesothelioma, the firm has successfully represented hundreds of clients. The success and reputation of this well respected mesothelioma law firm is not only attributed to their legal knowledge and skills, but to the fact that they offer the personal service and client attention of a smaller firm while getting big law firm results. Their continuing representation of victims diagnosed with asbestosis, lung cancer, malignant pleural mesothelioma, malignant peritoneal mesothelioma, or other forms of cancer has brought attorneys Lewis and Scholnick to the forefront of asbestos litigation.
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University of Oxford
 
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The University of Oxford (informally Oxford University or simply Oxford) is a collegiate research university located in Oxford, England, United Kingdom. While having no known date of foundation, there is evidence of teaching as far back as 1096,[1] making it the oldest university in the English-speaking world and the world's second-oldest university in continuous operation.[1][9] It grew rapidly from 1167 when Henry II banned English students from attending the University of Paris.[1] After disputes between students and Oxford townsfolk in 1209, some academics fled northeast to Cambridge where they established what became the University of Cambridge.[10] The two "ancient universities" are frequently jointly referred to as "Oxbridge". The university is made up of a variety of institutions, including 38 constituent colleges and a full range of academic departments which are organised into four divisions.[11] All the colleges are self-governing institutions as part of the university, each controlling its own membership and with its own internal structure and activities.[12] Being a city university, it does not have a main campus; instead, all the buildings and facilities are scattered throughout the city centre. Most undergraduate teaching at Oxford is organised around weekly tutorials at the self-governing colleges and halls, supported by classes, lectures and laboratory work provided by university faculties and departments. Oxford is the home of the Rhodes Scholarship, one of the world's oldest and most prestigious scholarships, which has brought graduate students to study at the university for more than a century.[13] The university operates the world's oldest university museum, as well as the largest university press in the world[14] and the largest academic library system in Britain.[15] Oxford has educated many notable alumni, including 28 Nobel laureates, 27 Prime Ministers of the United Kingdom, and many foreign heads of state.[16]
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Personal Injury Lawyer
 
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A personal injury lawyer is a lawyer who provides legal representation to those who claim to have been injured, physically or psychologically, as a result of the negligence or wrongdoing of another person, company, government agency, or other entity. Thus, personal injury lawyers tend to be especially knowledgeable and have more experience with regard to the area of law known as tort law, which includes civil wrongs and economic or non-economic damages to a person’s property, reputation, or rights. Even though personal injury lawyers are trained and licensed to practice virtually any field of law, they generally only handle cases that fall under tort law including work injuries, automobile and other accidents, defective products, medical mistakes, and slip and fall accidents.
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Business loans
 
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Small Business Loans for Good, Average and Bad Credit Business loan type Best for APR range SBA loans Expansion, longer-term investments 7% - 8% Business term loans Large one-time expense 7% - 98% Business line of credit Ongoing working capital expenses 9% - 108% Invoice factoring Filling cash-flow gap 11% - 64%
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Mortgage and attorney
 
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A mortgage is a security interest in real property held by a lender as a security for a debt, usually a loan of money. A mortgage in itself is not a debt, it is the lender's security for a debt. It is a transfer of an interest in land (or the equivalent) from the owner to the mortgage lender, on the condition that this interest will be returned to the owner when the terms of the mortgage have been satisfied or performed. In other words, the mortgage is a security for the loan that the lender makes to the borrower. The word is a Law French term meaning "dead pledge," originally only referring to the Welsh mortgage (see below), but in the later Middle Ages was applied to all gages and reinterpreted by folk etymology to mean that the pledge ends (dies) either when the obligation is fulfilled or the property is taken through foreclosure.[1] In most jurisdictions mortgages are strongly associated with loans secured on real estate rather than on other property (such as ships) and in some jurisdictions only land may be mortgaged. A mortgage is the standard method by which individuals and businesses can purchase real estate without the need to pay the full value immediately from their own resources. See mortgage loan for residential mortgage lending, and commercial mortgage for lending against commercial property.
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Loans Credit
 
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In finance, a loan is the lending of money from one individual, organization or entity to another individual, organization or entity. A loan is a debt provided by an entity (organization or individual) to another entity at an interest rate, and evidenced by a promissory note which specifies, among other things, the principal amount of money borrowed, the interest rate the lender is charging, and date of repayment. A loan entails the reallocation of the subject asset(s) for a period of time, between the lender and the borrower. In a loan, the borrower initially receives or borrows an amount of money, called the principal, from the lender, and is obligated to pay back or repay an equal amount of money to the lender at a later time. The loan is generally provided at a cost, referred to as interest on the debt, which provides an incentive for the lender to engage in the loan. In a legal loan, each of these obligations and restrictions is enforced by contract, which can also place the borrower under additional restrictions known as loan covenants. Although this article focuses on monetary loans, in practice any material object might be lent.
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Imperial College London
 
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Imperial College London is a public research university located in London, United Kingdom. Its founder, Prince Albert, envisioned a cultural area composed of the Victoria and Albert Museum, Natural History Museum, Science Museum, Royal Albert Hall, and the Imperial Institute.[7][8] The Imperial Institute was opened by Queen Victoria, his wife, who laid the foundation stone in 1887.[9] Imperial College London was formed by Royal Charter in 1907, and joined the University of London, before leaving it a century later.[10] The curriculum was expanded to include medicine after mergers with several historic medical schools. In 2004, Queen Elizabeth II opened the Imperial College Business School.[9] Imperial is organised into faculties of science, engineering, medicine, and business. The main campus is located in the Royal Borough of Kensington and Chelsea. The university's emphasis is on technology and its practical applications. Imperial's contributions to society include the discovery of penicillin and the development of fibre optics. Imperial is consistently ranked among the top universities in the world, in 2017 ranking 8th in the Times Higher Education World University Rankings, 9th in the QS World University Rankings, and 22nd in the Academic Ranking of World Universities.[11][12][13] It has been ranked as the most innovative university in Europe.[14] Imperial staff and alumni include 15 Nobel laureates, 2 Fields Medalists, 70 Fellows of the Royal Society, 82 Fellows of the Royal Academy of Engineering, and 78 Fellows of the Academy of Medical Sciences.[15]
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Law Insurance
 
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Insurance law is the practice of law surrounding insurance, including insurance policies and claims. It can be broadly broken into three categories - regulation of the business of insurance; regulation of the content of insurance policies, especially with regard to consumer policies; and regulation of claim handling.
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Massachusetts Institute of Technology
 
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The Massachusetts Institute of Technology (MIT) is a private research university in Cambridge, Massachusetts. Founded in 1861 in response to the increasing industrialization of the United States, MIT adopted a European polytechnic university model and stressed laboratory instruction in applied science and engineering. Researchers worked on computers, radar, and inertial guidance during World War II and the Cold War. Post-war defense research contributed to the rapid expansion of the faculty and campus under James Killian. The current 168-acre (68.0 ha) campus opened in 1916 and extends over 1 mile (1.6 km) along the northern bank of the Charles River basin. The Institute is traditionally known for its research and education in the physical sciences and engineering, and more recently in biology, economics, linguistics, and management as well. It is often cited as among the world's top universities.[10][11][12][13] The "Engineers" sponsor 31 sports, most teams of which compete in the NCAA Division III's New England Women's and Men's Athletic Conference; the Division I rowing programs compete as part of the EARC and EAWRC. As of 2015, 85 Nobel laureates, 52 National Medal of Science recipients, 65 Marshall Scholars, 45 Rhodes Scholars, 38 MacArthur Fellows, 34 astronauts, 19 Turing award winners, 16 Chief Scientists of the U.S. Air Force and 6 Fields Medalists have been affiliated with MIT. The school has a strong entrepreneurial culture, and the aggregated revenues of companies founded by MIT alumni would rank as the eleventh-largest economy in the world.[14][15]
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Princeton University
 
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Princeton University is a private Ivy League research university in Princeton, New Jersey, United States. Founded in 1746 in Elizabeth as the College of New Jersey, Princeton was the fourth chartered institution of higher education in the Thirteen Colonies[7][a] and thus one of the nine colonial colleges established before the American Revolution. The institution moved to Newark in 1747, then to the current site nine years later, where it was renamed Princeton University in 1896.[12] Princeton provides undergraduate and graduate instruction in the humanities, social sciences, natural sciences, and engineering.[13] It offers professional degrees through the Woodrow Wilson School of Public and International Affairs, the School of Engineering and Applied Science, the School of Architecture and the Bendheim Center for Finance. The university has ties with the Institute for Advanced Study, Princeton Theological Seminary, and the Westminster Choir College of Rider University.[b] Princeton has the largest endowment per student in the United States.[14] The university has graduated many notable alumni. It has been associated with 41 Nobel laureates, 21 National Medal of Science winners, 14 Fields Medalists, the most Abel Prize winners and Fields Medalists (at the time of award) of any university (five and eight, respectively), 10 Turing Award laureates, five National Humanities Medal recipients, 209 Rhodes Scholars, and 126 Marshall Scholars.[15] Two U.S. Presidents, 12 U.S. Supreme Court Justices (three of whom currently serve on the court), and numerous living billionaires and foreign heads of state are all counted among Princeton's alumni. Princeton has also graduated many prominent members of the U.S. Congress and the U.S. Cabinet, including eight Secretaries of State, three Secretaries of Defense, and two of the past four Chairs of the Federal Reserve.
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Harvard University
 
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Harvard University is a private Ivy League research university in Cambridge, Massachusetts, established in 1636, whose history, influence, and wealth have made it one of the world's most prestigious universities. College primarily trained Congregationalist and Unitarian clergy. Its curriculum and student body were gradually secularized during the 18th century, and by the 19th century Harvard had emerged as the central cultural establishment among Boston elites. Following the American Civil War, President Charles W. Eliot's long tenure (1869–1909) transformed the college and affiliated professional schools into a modern research university; Harvard was a founding member of the Association of American Universities in 1900. James Bryant Conant led the university through the Great Depression and World War II and began to reform the curriculum and liberalize admissions after the war. The undergraduate college became coeducational after its 1977 merger with Radcliffe College. The University is organized into eleven separate academic units—ten faculties and the Radcliffe Institute for Advanced Study—with campuses throughout the Boston metropolitan area:[17] its 209-acre (85 ha) main campus is centered on Harvard Yard in Cambridge, approximately 3 miles (5 km) northwest of Boston; the business school and athletics facilities, including Harvard Stadium, are located across the Charles River in the Allston neighborhood of Boston and the medical, dental, and public health schools are in the Longwood Medical Area.[18] Harvard's $37.6 billion financial endowment is the largest of any academic institution. Harvard is a large, highly residential research university.[19] The nominal cost of attendance is high, but the University's large endowment allows it to offer generous financial aid packages. It operates several arts, cultural, and scientific museums, alongside the Harvard Library, which is the world's largest academic and private library system, comprising 79 individual libraries with over 18 million volumes.Harvard's alumni include eight U.S. presidents, several foreign heads of state, 62 living billionaires, 359 Rhodes Scholars, and 242 Marshall Scholars.To date, some 130 Nobel laureates, 18 Fields Medalists, and 13 Turing Award winners have been affiliated as students, faculty, or staff.
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Asbestos Lawyers
 
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Litigation related to asbestos injuries and property damages has been claimed to be the longest-running mass tort in U.S. history.[1] Since asbestos-related disease has been identified by the medical profession in the late 1920s, workers' compensation cases were filed and resolved in secrecy, with a flood of litigation starting in the United States in the 1970s, and culminating in the 1980s and 1990s. A massive multi-district litigation (MDL) complex filing has remained pending in the Eastern District of Pennsylvania for over 20 years. As many of the scarring-related injury cases have been resolved, asbestos litigation continues to be hard-fought among the litigants, mainly in individually brought cases for terminal cases of asbestos's, mesothelioma, and other cancers.
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Online Degree
 
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An online degree is an academic degree (usually a college degree, but sometimes the term includes high school diplomas and non-degree certificate programs) that can be earned primarily or entirely through the use of an Internet-connected computer, rather than attending college in a traditional campus setting. Improvements in technology, the increasing use of the Internet worldwide, and the need for people to have flexible school schedules while they are working have led to a proliferation of online colleges that award associate, bachelor's, master's, and doctoral degrees.
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Atlanta asbestos Lawyers
 
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Litigation related to asbestos injuries and property damages has been claimed to be the longest-running mass tort in U.S. history.[1] Since asbestos-related disease has been identified by the medical profession in the late 1920s, workers' compensation cases were filed and resolved in secrecy, with a flood of litigation starting in the United States in the 1970s, and culminating in the 1980s and 1990s. A massive multi-district litigation (MDL) complex filing has remained pending in the Eastern District of Pennsylvania for over 20 years. As many of the scarring-related injury cases have been resolved, asbestos litigation continues to be hard-fought among the litigants, mainly in individually brought cases for terminal cases of asbestosis, mesothelioma, and other cancers.
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Online MBA programs
 
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An online degree is an academic degree (usually a college degree, but sometimes the term includes high school diplomas and non-degree certificate programs) that can be earned primarily or entirely through the use of an Internet-connected computer, rather than attending college in a traditional campus setting. Improvements in technology, the increasing use of the Internet worldwide, and the need for people to have flexible school schedules while they are working have led to a proliferation of online colleges that award associate, bachelor's, master's, and doctoral degrees.
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MBA Degree
 
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A Master of Business Administration (MBA or M.B.A.) holds a master's degree in business administration (management). The MBA degree originated in the United States in the early 20th century when the country industrialized and companies sought scientific approaches to management.
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Credit cards
 
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A credit card is a payment card issued to users (cardholders) to enable the cardholder to pay a merchant for goods and services, based on the cardholder's promise to the card issuer to pay them for the amounts so paid plus other agreed charges.[1] The card issuer (usually a bank) creates a revolving account and grants a line of credit to the cardholder, from which the cardholder can borrow money for payment to a merchant or as a cash advance. A credit card is different from a charge card, where it requires the balance to be repaid in full each month.[2] In contrast, credit cards allow the consumers a continuing balance of debt, subject to interest being charged. A credit card also differs from a cash card, which can be used like currency by the owner of the card. A credit card differs from a charge card also in that a credit card typically involves a third-party entity that pays the seller and is reimbursed by the buyer, whereas a charge card simply defers payment by the buyer until a later date.
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Life Insurance
 
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Life insurance (or life assurance, especially in the Commonwealth), is a contract between an insurance policy holder and an insurer or assurer, where the insurer promises to pay a designated beneficiary a sum of money (the benefit) in exchange for a premium, upon the death of an insured person (often the policy holder). Depending on the contract, other events such as terminal illness or critical illness can also trigger payment. The policy holder typically pays a premium, either regularly or as one lump sum. Other expenses (such as funeral expenses) can also be included in the benefits. Life policies are legal contracts and the terms of the contract describe the limitations of the insured events. Specific exclusions are often written into the contract to limit the liability of the insurer; common examples are claims relating to suicide, fraud, war, riot, and civil commotion.
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MBA programs
 
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A Master of Business Administration (MBA or M.B.A.) holds a master's degree in business administration (management). The MBA degree originated in the United States in the early 20th century when the country industrialized and companies sought scientific approaches to management.
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Insurance companies
 
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Insurance is a means of protection from financial loss. It is a form of risk management primarily used to hedge against the risk of a contingent, uncertain loss. An entity which provides insurance is known as an insurer, insurance company, or insurance carrier. A person or entity who buys insurance is known as an insured or policyholder. The insurance transaction involves the insured assuming a guaranteed and known relatively small loss in the form of payment to the insurer in exchange for the insurer's promise to compensate the insured in the event of a covered loss. The loss may or may not be financial, but it must be reducible to financial terms, and must involve something in which the insured has an insurable interest established by ownership, possession, or preexisting relationship.
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Loan Insurance
 
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We believe you should enjoy your investment, rather than worry about what may or may not happen. That’s why we've developed simple and easy-to-understand insurance solutions for your loan. For a simple protection package for your NAB home loan, personal loan, or credit card our debt protection solutions may provide you with what you're looking for: NAB Mortgage Protect Available to take out when you set up your NAB home loan Provides comfort that if something happens to you, you'll still be able to make your repayments NAB Mortgage Protect is issued by MLC Limited and covers you in the event of death, disability, involuntary unemployment and terminal illness There are no medical examinations required
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Personal Injury
 
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"Personal injury" cases are legal disputes that arise when one person suffers harm from an accident or injury, and someone else might be legally responsible for that harm.
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Stanford University
 
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Stanford University, officially Leland Stanford Junior University,[8] is a private research university in Stanford, California, adjacent to Palo Alto and between San Jose and San Francisco. Its 8,180-acre (12.8 sq mi; 33.1 km2)[9] campus is one of the largest in the United States.[note 1] Stanford also has land and facilities elsewhere.[7][9] The university was founded in 1885 by Leland and Jane Stanford in memory of their only child, Leland Stanford Jr., who had died of typhoid fever at age 15 the previous year. Stanford was a former Governor of California and U.S. Senator; he made his fortune as a railroad tycoon. The school admitted its first students 125 years ago on October 1, 1891,[2][3] as a coeducational and non-denominational institution. Stanford University struggled financially after Leland Stanford's death in 1893 and again after much of the campus was damaged by the 1906 San Francisco earthquake.[12] Following World War II, Provost Frederick Terman supported faculty and graduates' entrepreneurialism to build self-sufficient local industry in what would later be known as Silicon Valley.[13] The rise of Silicon Valley helped Stanford become one of the world's most prestigious universities.[note 2] The university is also one of the top fundraising institutions in the country, becoming the first school to raise more than a billion dollars in a year.[23] There are three academic schools that have both undergraduate and graduate students and another four professional schools. Students compete in 36 varsity sports, and the university is one of two private institutions in the Division I FBS Pac-12 Conference. It has gained 111 NCAA team championships,[24] the second-most for a university, 483 individual championships, the most in Division I,[25] and has won the NACDA Directors' Cup, recognizing the university with the best overall athletic team achievement, for 22 consecutive years, beginning in 1994–1995.[26] Stanford faculty and alumni have founded a large number of companies that produce more than $2.7 trillion in annual revenue, equivalent to the 10th-largest economy in the world.[27] It is the alma mater of 30 living billionaires, 17 astronauts, and 20 Turing Award laureates.[note 3] It is also one of the leading producers of members of the United States Congress.[48][49] Sixty Nobel laureates and seven Fields Medalists have been affiliated with Stanford as students, alumni, faculty or staff.[50]
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Loans with bad credit
 
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Lenders that accept poor credit scores. A few online lenders offer personal loans for people with bad credit, and they provide different degrees of flexibility to borrowers. Minimum APRs vary quite a bit, but borrowers with thin or damaged credit can expect to pay rates at the higher end of any lender's scale.
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Attorney at law
 
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Attorney at law or attorney-at-law, usually abbreviated in everyday speech to attorney, is the preferred term for a practising lawyer in certain jurisdictions, including South Africa (for certain lawyers), Sri Lanka, and the United States. In Canada, it is used only in Quebec. The term has its roots in the verb to attorn, meaning to transfer one's rights and obligations to another.
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ETH Zurich – Swiss Federal Institute of Technology Zurich
 
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ETH Zurich (Swiss Federal Institute of Technology in Zurich) (German: Eidgenössische Technische Hochschule Zürich) is a science, technology, engineering and mathematics university in the city of Zürich, Switzerland. Like its sister institution EPFL, it is an integral part of the Swiss Federal Institutes of Technology Domain (ETH Domain) that is directly subordinate to Switzerland's Federal Department of Economic Affairs, Education and Research.[2] ETH Zurich is consistently ranked among the top universities in the world. It is currently ranked as 5th best university in the world for the subject of engineering and technology, just behind the Massachusetts Institute of Technology, Stanford University, Cambridge University and National University of Singapore in the QS World University Rankings by Subject .[3] It is ranked 8th in the world in the 2016 edition of the QS World University Rankings, while the QS World University Rankings by Subject has ranked it as the best university in the world for Earth & Marine Sciences in both 2015/16 and 2016/17's editions.[4][5] Twenty-one Nobel Prizes have been awarded to students or professors of the Institute in the past, the most famous of whom was Albert Einstein with the 1921 Nobel Prize in Physics, along with Niels Bohr who was awarded the 1922 Nobel Prize in Physics, both for work dealing with quantum physics. It is a founding member of the IDEA League and the International Alliance of Research Universities (IARU) and a member of the CESAER network. The school was founded by the Swiss Federal Government in 1854 with the stated mission to educate engineers and scientists, serve as a national center of excellence in science and technology and provide a hub for interaction between the scientific community and industry.[6] ETH was founded in 1854 by the Swiss Confederation[7] and began giving its first lectures in 1855 as a polytechnic institute (Eidgenössische Polytechnische Schule). It was initially composed of six faculties: architecture, civil engineering, mechanical engineering, chemistry, forestry, and an integrated department for the fields of mathematics, natural sciences, literature, and social and political sciences. It is locally still known as Poly, derived from the original name Eidgenössische polytechnische Schule,[8] which translates to "Federal Polytechnic School". ETH is a federal institute (i.e., under direct administration by the Swiss government), whereas the University of Zürich is a cantonal institution. The decision for a new federal university was heavily disputed at the time, because the liberals pressed for a "federal university", while the conservative forces wanted all universities to remain under cantonal control, worried that the liberals would gain more political power than they already had.[9] In the beginning, both universities were co-located in the buildings of the University of Zürich. From 1905 to 1908, under the presidency of Jérôme Franel, the course program of ETH was restructured to that of a real university and ETH was granted the right to award doctorates. In 1909 the first doctorates were awarded. In 1911, it was given its current name, Eidgenössische Technische Hochschule. In 1924, another reorganization structured the university in 12 departments. However, it now has 16 departments. Interior skylights in the main building ETH Zurich, the EPFL, and four associated research institutes form the "ETH Domain" with the aim of collaborating on scientific projects.[10]
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Online Bills payment
 
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Electronic bill payment is a feature of online, mobile and telephone banking, similar in its effect to a giro, allowing a customer of a financial institution to transfer money from their transaction or credit card account to a creditor or vendor such as a public utility, department store or an individual to be credited against a specific account. These payments are typically executed electronically as a direct deposit through a national payment system, operated by the banks or in conjunction with the government. Payment is typically initiated by the payer but can also be set up as a direct debit. In addition to the bill payment facility, most banks will also offer various features with their electronic bill payment systems. These include the ability to schedule payments in advance to be made on a specified date (convenient for installments such as mortgage and support payments), to save the biller information for reuse at a future time and various options for searching the recent payment history. In many cases the payment data can also be downloaded and posted directly into the customer's accounting or personal finance software.
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University of Chicago
 
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The University of Chicago (U of C, Chicago, or UChicago) is a private research university in Chicago, Illinois. It is one of the world's leading and most influential institutions of higher learning, with top-ten positions in numerous rankings and measures.[5][6][7][8][9][10][11] The university, established in 1890, is composed of the College, various graduate programs, and interdisciplinary committees organized into five academic research divisions and seven professional schools. Beyond the arts and sciences, Chicago is also well known for its professional schools, which include the Pritzker School of Medicine, the Booth School of Business, the Law School, the School of Social Service Administration, the Harris School of Public Policy Studies, the Divinity School and the Graham School of Continuing Liberal and Professional Studies. The university currently enrolls approximately 5,700 students in the College[12] and around 15,000 students overall. University of Chicago scholars have played a major role in the development of various academic disciplines, including: the Chicago school of economics; the Chicago school of sociology; law and economics theory in legal analysis;[13] the Chicago school of literary criticism; the Chicago school of religion;[14] and the behavioralism school of political science.[15] Chicago's physics department helped develop the world's first man-made, self-sustaining nuclear reaction beneath the viewing stands of university's Stagg Field.[16] Chicago's research pursuits are aided through its operation of world-renowned institutions, including the nearby Fermi National Accelerator Laboratory (Fermilab) and Argonne National Laboratory, as well as the Marine Biological Laboratory. The university is also home to the University of Chicago Press, the largest university press in the United States.[17] With an estimated completion date of 2020, the Barack Obama Presidential Center will be housed at the university and include both the Obama presidential library and offices of the Obama Foundation.[18] Founded by the American Baptist Education Society with a donation from oil magnate and wealthiest man in history John D. Rockefeller, the University of Chicago was incorporated in 1890; William Rainey Harper became the university's first president in 1891, and the first classes were held in 1892. Both Harper and future president Robert Maynard Hutchins advocated for Chicago's curriculum to be based upon theoretical and perennial issues rather than on applied sciences and commercial utility.[19] With Harper's vision in mind, the University of Chicago also became one of the 14 founding members of the Association of American Universities, an international organization of leading research universities, in 1900.[20] The University of Chicago has many prominent alumni. 92 Nobel laureates[21] have been affiliated with the university as professors, students, faculty, or staff, the fourth most of any institution in the world. Similarly, 34 faculty members and 16 alumni have been awarded the MacArthur “Genius Grant”.[22] In addition, Chicago's alumni include 50 Rhodes Scholars,[23] 22 Marshall Scholars,[24] 9 Fields Medalists,[25] 20 National Humanities Medalists,[26] 13 billionaire graduates, and a plethora of members of the United States Congress and heads of state of countries all over the world.[27]
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Mortgage Policy
 
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Private mortgage insurance, or PMI, is typically required with most conventional (non government backed) mortgage programs when the down payment or equity position is less than 20% of the property value. In other words, if you're purchasing or refinancing a home with a conventional mortgage, if the loan-to-value (LTV) is greater than 80% (meaning you have less than a 20% equity position), it's a good bet you'll be required to carry private mortgage insurance. PMI rates can range from 0.32% to 1.20% of the principal balance per year based on percent of the loan insured, LTV, a fixed or variable interest rate structure, and credit score.[1] The rates may be paid in a single lump sum, annually, monthly, or in some combination of the two (split premiums). Most people pay PMI in 12 monthly installments as part of the mortgage payment. In the United States, PMI payments by the borrower were tax-deductible until 2010
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