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甲借用朋友乙的自行车数月。期间，甲因急需用钱，向同事丙借200元，并就自行车设定质押，但丙不知此自行车非甲所有。后甲逾期未偿还债务，丙即变卖该自行车实现债权。下列哪些表述是正确的( )
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甲借用朋友乙的自行车数月期间甲因急需用钱向同事丙借200元并就自行车设定质押但丙不知此自行车非甲所有
因丙不知甲无处分权，故适用善意取得，质权设定有效
因甲对自行车无处分权，且质权不适用善意取得，故该质权设定无效
甲、丙应共同赔偿乙的损失
应由甲单独赔偿乙的损失
甲借用朋友乙的自行车数月期间甲因急需用钱向同事丙借200元并以自行车设定质押但丙不知该自行车非甲所有
因丙不知甲无处分权，故适用善意取得，质权设定有效
因甲对自行车无处分权，该质权设定无效
甲、丙应共同赔偿乙的损失
应由甲单独赔偿乙的损失
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From:GraceSylvester To:KevinMalone Subject:RecentAppointment DearMr.Malone ThankyouforvisitingtheMadisonCountyMedicalCliniconMonday.Ihopethatyouweresatisfiedwiththelevelofservicesandcarethatyoureceived.AsyourequestedinourrecentphoneconversationIhaveincludedascannedcopyofthemedicalcertificatesignedbyDr.Edwardsasanattachmenttothisemail. ShouldtheelectroniccopyofthisdocumentbeunacceptabletoyouremployerIwillposttheoriginaldocumenttothemdirectly.Pleaseletmeknowifthisisnecessary.PleasenotethatinthefutureIrecommendthatyourequestacopyofyourcertificatewhenyouseethedoctor.Thisismuchsimplerandmoreconvenientforeverybody. Regards GraceSylvester Secretary-MadisonCountyMedicalClinic Whatisthepurposeofthisemail
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OnbehalfoftheworkplaceissuescommitteeIwouldliketoremindyouallabouttheimportanceofenergyconservation.Byreducingourenergyusageintheofficewecannotonlysavethousandsofdollarsonelectricitybillsbutwecanalsohelptheenvironment.Moreoverbeingenergyefficientwillhelpboostourimageinthecommunity. Atlastmonth’smeetingoftheworkplaceissuescommitteewecameupwithalistofsimplemeasuresthatindividualemployeescantaketohelpconserveenergy.Pleasereadthefollowingideasandtrytoputthemintopractice! ...Switchoffyourcomputerandmonitorwhenyoutakeyourlunchbreak. ...Donotuseascreensaveronyourcomputer. ...Leavetheblindsopensothatartificiallightingcanbekepttoaminimum. ...Dressappropriatelyfortheconditionssoastoreduceusageofheatingandairconditioning. ...Takethestairsratherthantheelevatorwheneverpossible. Thelistisanexcellentstartbutitisfarfromexhaustive.Ifyouhaveanysuggestionstoaddpleasedoso.Whetheryouareaseniormanagerorajuniorofficeclerkyourinputisequallyvaluable!Youcanpostsuggestionsontheworkplaceissueswebpageonthecompanyintranet.Wewillthendiscussyoursuggestionsatnextmonth’smeetingoftheworkplaceissuescommittee. Kindregards BethanyWillets Whatisimpliedabouttheworkplaceissuescommittee
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PropertyMarketDownturn Overthefirstquarterof24yeartherehasonlybeen$50millionofturnoverinthelocalrealestatemarket.Thiscomparesunfavorablewiththe$90millionrecordedatthesametimelastyear. BeverleyHauritzthechairoftheProfessionalRealtyAssociationtoldreportersthatshewasnotsurprisedbythefigureswhichshebelievesarearesultoftheglobalfinancialcrisis.25sheisanticipatinganevenbiggerdecreasenextquarterasinvestorslooktoreducespendingevenfurther. Althoughtherehasbeentalkamong26thatpropertypricesmaycontinuefallingthroughouttherestoftheyearMs.Hauritzremainsconfidentthatthepropertymarketwillbegintopickupagaininthefuture.Herpredictionisthatpriceswillreturntotheirpreviouslevelsbytheendoftheyear. 26
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ShowcaseforDutchFilm MuchtothedelightoflocalcinemabuffsDutchFilmWeekiscomingtoIthacanextweek.TheserieswillkickoffonFridaynightwithaviewingofTheovanSaar’sthrillersTheBadlands.ThismoviewonprizesforBestDirectorandBestOriginalScreenplayatthe2010InternationalFilmAwards.OtherfilmsthatwillscreenthroughouttheweekincludethecomedyKeepingLipwiththeVanDijk’sfromdirectorRuudiHuytandMarcoGulit’sfromtragedyTheNighttoEndAllNights. AllofthefilmswillscreenattheLudoTheateronJustinStreet.AcopyoftheprogramcanbedownloadedfromtheLudo’swebsiteoryoucanpickonefromoutsideitsticketoffice.Thosewishingtoattendscreeningsareadvisedtobookearlyasdemandforticketsisexpectedtobehigh. DutchFilmWeekwillnotonlyshowcaseauniquetypeofcinemaitwillalsocelebrateDutchartsandculture.AccordinglytheLudowillhostanopeningceremonytomarktheopeningofthisexcitingfestival.AswellaslocalfilmenthusiaststhefunctionwillalsobeattendedbyprominentmembersoftheDutchcommunityincludingAmbassadorPaulHaajerwhoisexpectedtomakeashortspeech.Whileticketstothefirstscreeningarestillavailabletheopeningceremonyisaninvitation-onlyevent. Whatisthisarticlemainlyabout
Parker&Hobbes POBox4399 BrisbaneAustralia October11th2010 LynetteGallagher ActonIndustry Level12FraserPlace DearMs.Gallagher ThankyouforcontactingParker&HobbesonOctober2toregisteryourinterestinourservices.MynameisJamalYeeandIwillbeyourpointofcontactatParker&Hobbes.Youcangetintouchwithmebyemailphoneorfax.Mycontactdetailsarerecordedatthebottomofthisletter. IwouldbedelightedtodevelopaccommodationssolutionsforyourcompanyintheCairnsareas.AsyouareprobablyawareourheadquartersisbasedinBrisbanebutwedocontactasubstantialamountofbusinessinCairnsandthesurroundingregion.ThereforeIamconfidentthatIcanarrangetodesignandbuildadequatehousingforyourworkplaceinthisarea.Pleaseallowmetoexplaintheprocedurefromhere. AsIunderstandfromtheinitialrequestyousentActonIndustryintendstobeginworkontheToowumbamine50kilometerssouthwestofCairnsinearly2012.WiththedeadlineinmindandpleaseletmeknowimmediatelyifthisinformationisincorrectIhopetosubmitdetailedplanofthehousingcomplexbyMarch2011foryourarrival.Assoonastheplanshavebeensettledtheconstructionprocessshouldtakearound6to8months. Ilookforwardtoworkingwithyoucloselyonthisexcitingproject. Regards JamalYee ProjectManager-Parker&Hobbes Email:j.yee@pandhcom Office:03-888-9077 Cell:012-908-907 Fax:03-888-9078 WhatsortofbusinessisParker&Hobbesinvolvedin
Thehotelmanagementtrainsallitsstaffmemberstodealwithguestinquires.
Everyproductonthemarkethasavarietyofcostsbuiltintoitbeforeitiseverputupforsaletoacustomer.Therearecostsofproductiontransportationstorageadvertisingandmore.Eachofthesecostsmustbringinsomeprofitateachstage:truckersmustprofitfromtransportingproductsortheywouldnotbeinbusiness.Thuscostsalsoincludeseverallayersofprofits.Thesellingpriceofaproductmusttakeallofthesecostsandbuiltinprofitsintoconsideration.Thesellingpriceitselfconsistsofamarkupoverthetotalofallcostsanditisnormallybasedonapercentageofthetotalcost.Themarkupmaybequitehigh90percentofcostoritmaybelow.Groceryitemsmasupermarketusuallyhavealowmarkupwhileminkcoatshaveaveryhighone.Highmarkupshoweverdonotinthemselvesguaranteebigprofits.Profitscomefromturnover.Ifanitemhasa50percentmarkupanddoesnotsellthereisnoprofit.Butifacerealhasan8percentmarkupandsellsverywelltherearereasonableprofits.Whilemostpricingisbasedoncostfactorstherearesomeexceptions.Prestigepricingmeanssettingpricesartificiallyhighinordertoattractselectclientele.Suchpricingattemptstosuggestthatthequalityorstyleoftheproductisexceptionalorthattheitemcannotbefoundelsewhere.Storescanuseprestigepricingtoattractwealthyshoppers.Leaderpricingandbaitpricingaretheoppositesofprestigepricing.Leaderpricingmeanssettinglowpricesoncertainitemstogetpeopletocomeintothestores.Theproductssopricedarecalledlossleadersbecauselittleornoprofitcanbemadeonthem.Theprofitsaremadefromotherproductspeoplebuywhileinthestore.Baitpricingnowgenerallyconsideredillegalmeanssettingartificiallylowpricestoattractcustomers.Thestorehoweverhasnointentionofsellinggoodsatthebaitprices.Thepointistogetpeopleintothestoreandpersuadethemoftheinferiorityofthelowpriceditem.Thenahigherpriceditemispresentedasabetteralternative.Acommonretailtacticisoddpricedproducts.Forsomeproductsof$300thestorewillsetthepriceat$295or$299.95togivetheappearanceofalowerprice.Automobilesandotherhighpricedproductsareusuallypricedinthismanner.Forsomereason$7995hasmoreappealtoapotentialcarcustomerthan$8000.Bidpricingisaspecialkindofpricesetting.Itisoftenusedintheawardingofgovernmentcontracts.Severalcompaniesareaskedtosubmitbidsonajobandnormallythelowestbidderwins.Aschoolsystemmaywanttobuyalargenumberofcomputers.Severalcompaniesareaskedtosubmitpricesandtheschooldistrictwilldecideonthebestbidbasedaswellonconsiderationsofqualityandservice.Odd-pricingmethod______.
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From:TomEvans To:Allattendees Subject:Conferenceprogram Dearattendees Thankyouverymuchfor21the3rdAnnualTradeMarketingConference.ThispromisestobeanexcitingandinformativeeventandIlookforwardtoseeingyouallthere. Oneofthehighlightsoftheconferencewillbethekeynoteaddressbyinternationally-renownedtrademarketingguruGusHobson.22hispresentationyouwillallhavetheopportunitytospeaktohimduringouropenQuestionandAnswerForum.Inadditiontherewillbeanumberofotherstimulatingtalks. I23afullcopyoftheprogramforyourinterestoutliningallsessiontimesandbreaks.Pleasetakethetimetolookoverthesedetailsassoonasyoucan. Regards TomEvans ConferenceManager 22
TheFormicaFamilyandCommunityClubareproudtobringyoutheannualFormicaSeasonofFun.BeginningonFebruary3andfinishingonFebruary23theSeasonofFunprovideslocalresidentswithafantastic27ofexcitingandeducationalevents. TheprogramincludesaTeddyBears’picnicatHoldenParkanAdventurePlaygroundChallengeatthesamevenuefreestreettheaterinthecentralcityandaCommunityFunrunthroughtheViraMarineReserve. 28ofthescheduledeventswillbeopentoall-comers.Howeverthoseinterestedintheplaygroundchallengewillneedtoregisterinadvancebecausespaceislimited.TofindoutmoreabouttheprogramforthisupcomingfestivalvisittheFormicaFamilyandCommunityClubwebsiteand29onthelinktotheFormicaSeasonofFun. Welookforwardtoseeingyouallthere. 28
Thelargeramachineandthemorenumerousitspartsthegreaterlikelihoodofabreakdownandthemoreexpensivetorepair.Whathasbeensaidaboutmarketforcesandmanagementwasnecessarilyoversimplified.Theeconomiesofmodernindustrialnationsarelargeandverycomplex.Tobesurethereismanagementandtherearemarketforcesatworkbuttherearealsomanyotherfactorsthathelporhindereconomicfunction.Inmodernindustrialsocietiesgovernmentsplayalargerole.Thereisagreatamountofregulationmostofitmeantfortheprotectionofthepublic.Allregulationsaffectthewaybusinessesoperateoftenincreasingtheircostsandreducingtheirprofits.Lowerprofitsinturnreducetheamountofmoneywhichisknownasworkingcapitalthatacompanycanuseforexpansion.Autoemissionstandardsforinstancehavehadasignificantimpactonthemanufactureandpricingofautomobiles.Othergovernmentpoliciessuchastaxationbudgetdeficitsandregulationofthemoneysupplyhaveaneffectonhowmuchmoneyisavailableforpeopletospendongoodsandservices.Internationalcrisesandotherconditionsalsoaffecttheworkingofaneconomy.AseverefrostinBrazilcanruinacoffeecropandraisethepriceofthatcommodity.Warcancutoffthesupplyofsuchresourcesaspetroleumchromiumorcopper.IntheUnitedStatesenvironmentalprotestshaveslowedthedevelopmentofnuclearenergycapacityandtheminingofvasttractsofprotectedland.Weatheraffectsagricultureahotdrysummercandamagethewheatcrop;floodscandestroythousandsofacresofcropssuddenly;andinsectpestscandevastatecroplandwitharapidonslaught.People’sattitudesalsohaveanimpactonthemarketingofgoods.Health-consciousindividualsforexamplemaystopsmokingcurtailtheirintakeofalcoholandeatlessofcertainkindsoffood.Advertisingaffectswhatpeoplebuyanditcancreateamarketwherenoneexisted.Styleandfashionaresignificantformanyconsumers.Thereareothereconomicproblemsthataremoredifficulttounderstand.Forcenturieseconomieshavebeensubjecttoperiodsofprosperityfollowedbyperiodsofdecline.Althoughperiodsofprosperitycanbeexplainedrathereasilythereasonsforpanicsrecessionsanddepressionsareofacomplexnature.SomanyfactorscontributedtotheGreatDepressionofthe1930sforexamplethatnoeconomisthaseverbeenabletoaccountforallofthem.Becausethecausesofdeclineareuncertaintheremediesareequallyuncertain.Inthelate20thcenturyallindustrializedsocietiesthroughtheirgovernmentshavetriedtostabilizeeconomieskeepthemprosperousandreduceunemployment.Noneoftheremedieshasworkedtotheextentthatwashoped.Howeconomiesworkandwhatremediescanbefoundtokeepthemoperatingefficientlyarethetasksofeconomistswhomustworktogetherwithbusinessmenandpoliticians.ThemachineinthefirstsentenceofParagraph1iscomparablehereto______.
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Thetraditionaldistinctionbetweenproductsthatsatisfyneedsandthosethatsatisfywantsisnolongeradequatetodescribeclassesofproducts.Intoday’sprosperoussocietiesthedistinctionhasbecomeblurredbecausesomanywantshavebeenturnedintoneeds.Awriterforinstancecanworkwithpaperandpencils.Thesearelegitimateneedsforthetask.Buttheworkcanbedonemorequicklyandefficientlywithawordprocessor.Thusacomputerissoonviewedasaneedratherthanawant.Inthefieldofmarketingconsumergoodsareclassedaccordingtothewayinwhichtheyarepurchased.Thetwomaincategoriesareconveniencegoodsandshoppinggoods.Twolessertypesarespecialtygoodsandunsoughtgoods.Itmustbeemphasizedthatallofthesetypesarebasedonthewayshoppersthinkaboutproductsnotonthenatureoftheproductsthemselves.WhatisregardedasaconvenienceiteminFrancewineforexamplemaybeaspecialtygoodintheUnitedStates.Peopledonotspendagreatdealoftimeshoppingforsuchconvenienceitemsasgroceriesnewspaperstoothpasterazorbladesaspirinandcandy.Thebuyingofconveniencegoodsmaybedoneroutinelyassomefamiliesbuygroceriesonceaweek.Suchregularlypurchaseditemsarecalledstaples.Sometimesconvenienceproductsareboughtonimpulse:someonehasasuddendesireforanicecreamsundaeonahotday.Ortheymaybepurchasedasemergencyitems.Shoppinggoodsareitemsforwhichcustomerssearch.Theycomparepricesqualityandstylesandmayvisitanumberofstoresbeforemakingadecision.Buyinganautomobileisoftendonethisway.Shoppinggoodsfallintotwoclasses:thosethatareperceivedasbasicallythesameandthosethatareregardedasdifferent.Itemsthatarelookeduponasbasicallythesameincludesuchthingsashomeappliancestelevisionsetsandautomobiles.Havingdecidedonthemodeldesiredthecustomerisprimarilyinterestedingettingtheitematthemostfavorableprice.Itemsregardedasinherentlydifferentincludeclothingfurnitureanddishes.Qualitystyleandfashionwilleithertakeprecedenceoverpriceortheywillnotmatteratall.Specialtygoodshavecharacteristicsthatimpelcustomerstomakespecialeffortstofindthem.Pricemaybenoconsiderationatall.Specialtygoodscanincludealmostanykindofproduct.Normallyspecialtygoodshaveabrandnameorotherdistinguishingcharacteristics.Unsoughtgoodsareitemsaconsumerdoesnotnecessarilywantorneedormaynotevenknowabout.Promotionoradvertisingbringssuchgoodstotheconsumer’sattention.TheproductcouldbesomethingnewonthemarketastheSonyWalkmanoncewasoritmaybeafairlystandardservicesuchaslifeinsuranceforwhichmostpeoplewillusuallynotbothershopping.Shoppinggoodsthatareconsideredasbasicallythesamearethose______.
thestart-upventureisriskyMr.Skinnerisstillwillingtoinvest$2millionofhisownmoneyinit.
Parker&Hobbes POBox4399 BrisbaneAustralia October11th2010 LynetteGallagher ActonIndustry Level12FraserPlace DearMs.Gallagher ThankyouforcontactingParker&HobbesonOctober2toregisteryourinterestinourservices.MynameisJamalYeeandIwillbeyourpointofcontactatParker&Hobbes.Youcangetintouchwithmebyemailphoneorfax.Mycontactdetailsarerecordedatthebottomofthisletter. IwouldbedelightedtodevelopaccommodationssolutionsforyourcompanyintheCairnsareas.AsyouareprobablyawareourheadquartersisbasedinBrisbanebutwedocontactasubstantialamountofbusinessinCairnsandthesurroundingregion.ThereforeIamconfidentthatIcanarrangetodesignandbuildadequatehousingforyourworkplaceinthisarea.Pleaseallowmetoexplaintheprocedurefromhere. AsIunderstandfromtheinitialrequestyousentActonIndustryintendstobeginworkontheToowumbamine50kilometerssouthwestofCairnsinearly2012.WiththedeadlineinmindandpleaseletmeknowimmediatelyifthisinformationisincorrectIhopetosubmitdetailedplanofthehousingcomplexbyMarch2011foryourarrival.Assoonastheplanshavebeensettledtheconstructionprocessshouldtakearound6to8months. Ilookforwardtoworkingwithyoucloselyonthisexcitingproject. Regards JamalYee ProjectManager-Parker&Hobbes Email:j.yee@pandhcom Office:03-888-9077 Cell:012-908-907 Fax:03-888-9078 WhymightMs.Gallagherreplyrightaway
TheConsumers’Institutewebsiteisnormallyaprimarysourceofinformationaboutnewproducts.
BusinessSolutionhasbeenvotedthebestfirminsmall-businessbankingattheRegionalBankingAwardsforthe5thtimeinarow.WhatisthesecrettooursuccessTheanswerliesinourresponsiveandprofessionalservice.Werealizethatentrepreneursareextremelybusy.andthattheyhavehighlyspecializedneedssowetailorourservicesaccordingly. BusinessSolutionalsooffersahighlyadvancedonlinebankingservice.Youcantransferfundsbetweenaccountsexchangeforeigncurrencyandapplyforemergencyloansallwiththeclickofafewbuttons. MoreovereveryfirmthatjoinsBusinessSolutionsgetsitsveryownSolutionsManager.SolutionsManagersnotonlygettoknowtheircustomerspersonallytheyalsodevelopanexcellentunderstandingoftheircustomers’businesssotheycangivefastandwell-consideredadviceonallbankingmatters.SolutionsManagersareavailableandatyourservice365daysayearsoyoucancallthemwhenit’sconvenientforyouandnottheotherwayaround. TryBusinessSolutionsforabankingservicethatcaterstotheneedsofyourbusiness! Forwhomisthisadvertisementmostlikelyintended
PropertyMarketDownturn Overthefirstquarterof24yeartherehasonlybeen$50millionofturnoverinthelocalrealestatemarket.Thiscomparesunfavorablewiththe$90millionrecordedatthesametimelastyear. BeverleyHauritzthechairoftheProfessionalRealtyAssociationtoldreportersthatshewasnotsurprisedbythefigureswhichshebelievesarearesultoftheglobalfinancialcrisis.25sheisanticipatinganevenbiggerdecreasenextquarterasinvestorslooktoreducespendingevenfurther. Althoughtherehasbeentalkamong26thatpropertypricesmaycontinuefallingthroughouttherestoftheyearMs.Hauritzremainsconfidentthatthepropertymarketwillbegintopickupagaininthefuture.Herpredictionisthatpriceswillreturntotheirpreviouslevelsbytheendoftheyear. 24
Everyproductonthemarkethasavarietyofcostsbuiltintoitbeforeitiseverputupforsaletoacustomer.Therearecostsofproductiontransportationstorageadvertisingandmore.Eachofthesecostsmustbringinsomeprofitateachstage:truckersmustprofitfromtransportingproductsortheywouldnotbeinbusiness.Thuscostsalsoincludeseverallayersofprofits.Thesellingpriceofaproductmusttakeallofthesecostsandbuiltinprofitsintoconsideration.Thesellingpriceitselfconsistsofamarkupoverthetotalofallcostsanditisnormallybasedonapercentageofthetotalcost.Themarkupmaybequitehigh90percentofcostoritmaybelow.Groceryitemsmasupermarketusuallyhavealowmarkupwhileminkcoatshaveaveryhighone.Highmarkupshoweverdonotinthemselvesguaranteebigprofits.Profitscomefromturnover.Ifanitemhasa50percentmarkupanddoesnotsellthereisnoprofit.Butifacerealhasan8percentmarkupandsellsverywelltherearereasonableprofits.Whilemostpricingisbasedoncostfactorstherearesomeexceptions.Prestigepricingmeanssettingpricesartificiallyhighinordertoattractselectclientele.Suchpricingattemptstosuggestthatthequalityorstyleoftheproductisexceptionalorthattheitemcannotbefoundelsewhere.Storescanuseprestigepricingtoattractwealthyshoppers.Leaderpricingandbaitpricingaretheoppositesofprestigepricing.Leaderpricingmeanssettinglowpricesoncertainitemstogetpeopletocomeintothestores.Theproductssopricedarecalledlossleadersbecauselittleornoprofitcanbemadeonthem.Theprofitsaremadefromotherproductspeoplebuywhileinthestore.Baitpricingnowgenerallyconsideredillegalmeanssettingartificiallylowpricestoattractcustomers.Thestorehoweverhasnointentionofsellinggoodsatthebaitprices.Thepointistogetpeopleintothestoreandpersuadethemoftheinferiorityofthelowpriceditem.Thenahigherpriceditemispresentedasabetteralternative.Acommonretailtacticisoddpricedproducts.Forsomeproductsof$300thestorewillsetthepriceat$295or$299.95togivetheappearanceofalowerprice.Automobilesandotherhighpricedproductsareusuallypricedinthismanner.Forsomereason$7995hasmoreappealtoapotentialcarcustomerthan$8000.Bidpricingisaspecialkindofpricesetting.Itisoftenusedintheawardingofgovernmentcontracts.Severalcompaniesareaskedtosubmitbidsonajobandnormallythelowestbidderwins.Aschoolsystemmaywanttobuyalargenumberofcomputers.Severalcompaniesareaskedtosubmitpricesandtheschooldistrictwilldecideonthebestbidbasedaswellonconsiderationsofqualityandservice.Thesecondparagraphmostprobablyimplies______.
Severalimportantdiplomatsweretheguestsattendingthepresident’s50thbirthdaycelebrationsathishomeinBolivia.
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