With this in mind, we set off looking for professors that would be willing to supervise our field study. Many were attentive to our idea, but ultimately we werent able to score a definitive yes. While icms are a great time for students, using they are usually held during reading week or in the beginning of may; critical times for professors to catch up on some of their many commitments beyond teaching, such as their own research projects, publications, or conference. For many of them, an icm simply didnt fit their already packed schedules. Slightly discouraged but not down for the count, we decided to switch tactics by being more encompassing of the Asia-pacific region as a whole in our approach. Emails were sent out to potential faculty (with great help from the Asian Institute! and we waited with bated breath. So when Professor Andre Schmid responded saying he was willing to sign on for our proposal, we were really relieved! Once we had him on board, it was time to tackle the proposal itself.
Led by Professor Andre Schmid, a group of students from cas400Y: Critical Perspectives on Asian Modernity and eas466H: Historiography of North Korea will be travelling to south Korea and the yanbian Korean Autonomous Prefecture in northeast China to explore the integrated identity of Chinas Korean. With this series of blog posts, the three of us hope to document our time spent planning, researching, participating and reflecting on the icm, which will hopefully provide insight into everything were working towards this year. Applying for an icm was a no-brainer; you get the rare chance to apply what you learn in the classroom by immersing yourself in the actual environment of your studies, while the faculty of Arts science generously provides funding for up to 90 of the. The true challenge was coming up with an interesting research topic, and justifying the necessity of travel in order to supplement our findings. Our initial starting point was a common interest in India. Though the cas program does its best to cover trends that span throughout all of East, southeast, and south Asia, there tends to be a natural bias towards East Asia in many courses due to the subsequently larger discourse that accompanies. Not only were we curious to learn more on recent socio-political and economic changes in India, we also saw this as a great way to visit an area add that we wouldnt have otherwise considered under normal financial constraints.
Most lender liability attorneys urge borrowers to exhaust every alternative means before considering litigation. If the case is strong, many lender liability attorneys will take the case on a contingency fee basis, but the borrower may still have to pay legal costs such as expert witness fees. Workouts, unlike legal action, can make winners out of both lender and borrower. But a workout should only be considered when it will mean that the business can remain viable and it can pay back the loan in a realistic manner. Small business owners considering their options may benefit from consulting with a business and commercial attorney for additional guidance. My name is Melissa pallarca, and i am a fourth year student at u of t, specializing in Political Science with a minor in Asia-pacific Studies. I worked with my classmates Hormuz dadabhoy and david Wang to put forward a successful proposal to participate in an International course module funded by the faculty of Arts and Science in spring 2014.
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In loan workouts, almost everything is negotiable: loan length, interest rates, payment schedules and technical loan covenants (i.e., debt to value equity ratios). You may need an entire set of new loan documents or, if the changes are minor, amendments to existing loan agreements will. You should be prepared to pay renewal or rollover fees to the lender for changes in the loan terms, and lender's attorney's fees incurred in the workout. It is imperative that all oral promises or commitments made during the workout are documented in writing in the loan papers. Without written documentation, those oral promises may be worthless when you later try to hold the lender to them.
See, loan Package documents and Information to learn more about debt financing. Fighting The lender In court, not all workouts are successful. If negotiations fail but clear lender misconduct is present, you and your legal counsel must determine whether it is worth the time and money to fight the lender in court. Make sure you haven't signed a legal release before considering lender liability claims. Because the time and money needed to bring a lender to court on lender liability claims is considerable, suing your lender should only be used as a last resort.
Here are some signs of lender impropriety. The lender: Tries to control aspects of the business; Adds new conditions to the loan after the business has accepted the original terms; Improperly uses acceleration and demand clauses in the loan documentation as a means to ensure compliance or punish the business; fails. Stalls the loan process so an unreasonable amount of time passes and the business suffers as a result. The presence of one or more of these scenarios could enable you to come to the workout negotiating table without needing to make major concessions. If the lender realizes it is guilty of some kind of misconduct, it will most likely want to make corrections to avoid a possible lawsuit.
Ideally, your attorney should be familiar with lender liability law so you can more readily spot possible lender misconduct while reviewing the history of the loan. You will also need to evaluate the strength of the potential lender liability claim. Workout Negotiations, be prepared to respond to whatever loan revisions the lender may suggest. Lenders know borrowers are usually in a vulnerable position during workouts, and may try to extract unwarranted concessions. A lender, for example, may insist that any new loan documents include an arbitration clause that waives your right to a jury trial. Another commonly sought concession is a release by the borrower of any lender liability or other claims, but you must consider the consequences of the decision (i.e., whether to accept new loan terms offered by the bank but forfeit the right to sue for. This decision may depend on your prior review of the strength of the lender liability claim versus the likelihood of turning your business around under the terms offered. Don't be overly optimistic, and give yourself plenty of time to meet the new terms if you choose to give up your legal claims.
Proposal : guidelines and Samples your guide for Proposals
The documents should include short-term (three-to-six months) cash flow projections, financial trends and a workable business plan under the proposed new loan terms. Ideas to increase operational efficiency or increase sales should also be included. Enlist the help of your auditor or accountant to prepare the financial documents needed for movie the workout package. Loan consultants, many of whom are retired senior bank loan officers, can also help put together the proposal. Make best the request for a workout session only when the presentation materials are ready for the lender's review. Lender liability, if your financial investigation shows that the lender's actions actually led to the company's financial problems, you can negotiate a new loan from a stronger position. If the lender sees you have a legitimate "lender liability" claim, your legal counsel can usually persuade even the most inflexible bank to negotiate.
But putting this off until your business is no longer economically salvageable implies that you did not adequately anticipate or prepare for current financial difficulties. In the lender's eyes, this does not bode well for the company's future financial viability and offers little incentive to stage the lender to continue the relationship. By contacting the lender early, lenders are more likely to go along with a workout plan if non-financial factors are strong within your company. They look at the management team's honesty, integrity, long-term business planning ability, track record, and competency before making a decision. Pre-negotiation Preparation, a successful workout begins with thorough preparation. You need to identify problems within your business that may have caused the financial problems and develop solutions prior to approaching the lender. Present to the lender reliable, professionally-produced analyses and projections in order to prove that you have fully analyzed the financial situation and have addressed any underlying problems that are negatively affecting the performance of the business.
you better understand your options as a small business borrower when repaying a loan becomes problematic. Loans and Investors section for additional resources, including, ten Things to Think About: your Bank loan. Contact your Lender Before They contact you. The first step of any successful workout is to convince your lender you can ultimately pay off the renegotiated loan. You must show the lender how a workout arrangement is in their best interests. If convinced, a lender may be willing to reduce the interest rate, reduce monthly payment amounts, or change other loan terms. Many borrowers make the mistake of waiting until their lender starts sending demand letters before suggesting a workout plan.
Dun ouvrage néerl., ii,.88 ds arv. Thévenot, relation de divers voyages curieux.3 ds könig). At the end of paper, following an plan in-depth discussion of etymons and links, which i advise you all to read, she suggests the following encoding: (i.e. The lexical entry pamplemousse and its direct etymon pompelmoes ) of the data structure in a tei like format. Note that the basic building blocks for the characterization of a lexical entry ( form and sense ) are completely reus- able for the description of an etymon, and the language has been implemented as a standardized xml:lang attribute. lexicalEntry idLE1 form /form sense /sense etymology etymon idLE2 form orth /form sense glose citrus maxima /glose note probablement dorigine tamoule, de vries, nederl /note /sense /etymon etymologicalLink sourceLE2 targetLE1 etymologicalClass loan word /etymologicalClass /etymologicalLink /etymology /lexicalEntry if we modernize this proposal to make. Small business borrowers with troubled loans have quite a bit more leverage than they once did. Lenders once were quick to foreclose on non-performing loans; but after years of multi-million-dollar verdicts against them for "lender liability they are much more inclined to work with borrowers to see that loans are repaid.
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After the discussion on the tei list and the comments on the list, the post and twitter exchanges with @ttasovac, i came back to an old paper of twist Susanne Alt hal-00110971 which provides an overview of the constraints that could apply to a comprehensive representation. Susanne uses the entry pamplemousse from the tlf (Trésor de la langue française) to encode the following etymological information: pamplemousse, subst. Pompelmoes, fém., au sens 1 a, qui est prob. pompel «gros, enlé» et de limoes «citron» (boulan,.148; könig,.159-160). Apparaît dabord dans des textes. Qui le donnent comme mot néerl.: 1665 pompelmoes (J. Le carpentier, lambassade de la compagnie orientale des Provinces Unies trad.