...Unit 1 Situations: 1- A: Good morning. B: Good morning. A: Where do you study? B: I study at Phuong Dong University A: In which department? B: It’s English Department. A: Oh, why do you want to choose English? B: I think English plays an important role in our job in future and we can get more good chance for seeking job. A: I agree with you. 2- A: Good morning. B: Good morning . A: I want to know what’s your star sign? B: My star sign is Cancer with shape of a crab. And you? A: My star sign is Cancer too. B: Oh what a coincident! Unit 2 Situations: 1- A: Good morning. B: Good morning A: Did you watch the football match took place between MU & Arsenal last night? B: Yes, I did. My friends and me went to a café to watch. Everyone was so crazy. 2- A: You’re so beautiful in a new dress. What a nice color! B: Oh, thank you Speaking topic: 1- A: Hey, How are you today? B: Yeah, I’m fine. And you? A: Me too. I changed to new room last month. It’s very nice. I love it. B: Oh really? How’s it? A: It’s small but nice decoration with pink wallpapers. I try to arrange things orderly. B: Would you mind if I visit your room? A: You’re welcome. Are you free this weekend? B: Yes, I am. I’d love to. Unit 3 Topic 2: A: Last weekend, I took part in holding a...
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...after Vedan Vietnam was detected discharging large quantities of untreated liquid waste directly into the Thi Vai river, researchers from the HCM City Institute of Environment and Natural Resources (IENR), representatives of farmers in Dong Nai and Ba Ria-Vung Tau provinces and HCM City, local officials and Vedan’s top managers met on December 7 to hear a technical assessment of damage to the river attributable to Vedan’s operations. In this meeting, closed to the press, researchers reportedly held Vedan responsible for eighty to ninety percent of the industrial pollution found in water samples. IENR’s Bui Ta Long said that water samples collected from February-April 2008 indicated that Vedan Vietnam discharged more than 100,000 cubic meters of waste water into the river every month. The area impacted by Vedan-sourced pollution extended for ten kilometers along the Thi Vai river. The river in this area was heavily polluted. The water there was black, stank and was deadly to all kinds of fish. According to newspapers, the Institute’s report states that at least 2700 hectares of aquaculture enterprises were affected by the pollution, some 2000 ‘severely,’ including over 2100 hectares in Dong Nai province and nearly 600 hectares for Ba Ria-Vung Tau. The Environment Agency intends to convene another meeting on December 11 to unify official views on the extent of Vedan’s responsibility for the egregious and unprecedented environmental disaster. The Thi Vai river is 30km long...
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...after Vedan Vietnam was detected discharging large quantities of untreated liquid waste directly into the Thi Vai river, researchers from the HCM City Institute of Environment and Natural Resources (IENR), representatives of farmers in Dong Nai and Ba Ria-Vung Tau provinces and HCM City, local officials and Vedan’s top managers met on December 7 to hear a technical assessment of damage to the river attributable to Vedan’s operations. In this meeting, closed to the press, researchers reportedly held Vedan responsible for eighty to ninety percent of the industrial pollution found in water samples. IENR’s Bui Ta Long said that water samples collected from February-April 2008 indicated that Vedan Vietnam discharged more than 100,000 cubic meters of waste water into the river every month. The area impacted by Vedan-sourced pollution extended for ten kilometers along the Thi Vai River. The river in this area was heavily polluted. The water there was black, stank and was deadly to all kinds of fish. According to newspapers, the Institute’s report states that at least 2700 hectares of aquaculture enterprises were affected by the pollution, some 2000 ‘severely,’ including over 2100 hectares in Dong Nai province and nearly 600 hectares for Ba Ria-Vung Tau. The Environment Agency intends to convene another meeting on December 11 to unify official views on the extent of Vedan’s responsibility for...
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...REPUBLIC OF BOTSWANA Public Administration Country Profile Division for Public Administration and Development Management (DPADM) Department of Economic and Social Affairs (DESA) United Nations July 2004 All papers, statistics and materials contained in the Country Profiles express entirely the opinion of the mentioned authors. They should not, unless otherwise mentioned, be attributed to the Secretariat of the United Nations. The designations employed and the presentation of material on maps in the Country Profiles do not imply the expression of any opinion whatsoever on the part of the Secretariat of the United Nations concerning the legal status of any country, territory, city or area or of its authorities, or concerning the delimitation of its frontiers or boundaries. Table of Contents Table of Contents........................................................................................... 1 Botswana...................................................................................................... 2 1. General Information ................................................................................... 3 1.1 People.................................................................................................. 3 1.2 Economy .............................................................................................. 3 1.3 Public Spending ..................................................................................... 4 1.4 Public Sector Employment...
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...BA English Literature and Community Engagement About your application For entry in October 2013, there will be two deadlines for applications. The initial deadline will be Monday 26 November 2012. Interviews for those who apply by this date will be held in December 2012. Assuming there are still places available after this date, we expect to have a second deadline for applications of Monday 1 July 2013, with interviews to be held later that month. These dates are designed to acknowledge that some applicants are also pursuing other options for further study, and may need to make decisions early in the academic cycle, while other mature students may prefer to complete a prior course of study in 2012/13, such as the English Department’s Reading English Literature course, before applying to the degree. You are advised to read the information in this pack carefully before completing your application. Please address any questions about the application process or the degree to Gareth Griffith on gareth.griffith@bristol.ac.uk Aims of the course: The undergraduate degree in English Literature and Community Engagement is offered part-time over six years and is taught one evening per week plus occasional Saturdays. It aims to develop a student’s interest in, and knowledge and understanding of, a full range of literature in English. The programme reflects the English Department’s wider commitment to maintaining a balance between established traditions of literary study and...
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...Chapter One Introduction 1.1 INTRODUCTION Foreign exchange refers to the financial transaction where currency value of one country is traded into another country’s currency. The whole process gets done by a network of various financial institutions like banks, investors and governments. The exchange rate varies according to the value of each country’s currency which is based on the health of that particular country’s economy. Any individual or company engaged in overseas business should be aware of the risks of currency fluctuations. Customers without commercial contracts expressed in domestic currency (or fixed by an agreed rate of exchange) are fully exposed to what is known as an exchange risk. Exchange risk may arise because of exchange rate movements in the period from the original commercial contract, to the time of settlement of the domestic equivalent of the foreign currency amount. Foreign exchange risk management is designed to preserve the value of currency inflows, investments and loans, while enabling international businesses to compete abroad. Although it is impossible to eliminate all risks, negative exchange outcomes can be anticipated and managed effectively by individuals and corporate entities. Businesses do so by becoming familiar with the typical foreign exchange risks, demanding hard currency, diversifying properly and employing hedging strategies. No countries of the world can produce all their necessary commodities and services. So it has to buy the commodities...
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...ng ban PH M MINH NH T (K10403) - Phó ban LÊ TH DI M MÂN (K10404A) - Phó ban VŨ KHÁNH LINH (K11404T) - Phó ban PHAN VINH LINH GIANG (K11405T) - Phó ban NGUY N TH PHƯƠNG DUNG (K11404T) NGUY N NG C TH O HI N (K11404A) NGUY N TH DOAN (K11404T) - Trư ng b phân truy n thông Ban n i dung Trư ng Nhóm Ch ng khoán TR N TH THANH NHUNG (K10404B) Trư ng Nhóm Tài chính NGUY N TH QUỲNH LIÊN (K10404B) Trư ng Nhóm Ngân hàng NGUY N TH ÁI NHI (K10404T) Trư ng Nhóm Vĩ mô ĐÀO TH VĨNH NGUYÊN (K10405T) Cùng các thành viên khác Thi t k , trình bày Đ AN KHƯƠNG (K12404A) TRƯƠNG THUY T B O (K12404A) VŨ KHÁNH LINH (K11404T) 02 • 05 • 07 • 10 • HỆ THỐNG NGÂN HÀNG phát triển bền vững 02 PHÁT TRIỂN BỀN VỮNG HỆ THỐNG NGÂN HÀNG Phải chăng “chữ Tâm kia mới bằng ba chữ Tài”? Sản phẩm tiền gửi – Vai trò trong giai đoạn hiện nay Đánh giá mức độ lành mạnh các Tổ chức tín dụng Việt Nam – Khung phân tích Camels có phải là sự lựa chọn hoàn hảo? Tỉ lệ an toàn vốn “CAR” – 1 từ, 3 chữ nhưng nhiều vấn đề 14 14 • 16 • 18 • 20 • bàn tròn sự kiện Phân tích kỹ thuật hai sàn chứng khoán Chuyện Lã Bất Vi ngày xưa và chuyện bán khống ngày nay Hiện tượng xuất siêu Đấu thầu vàng – Với nhiều điều thú vị 23 23 • 28 • 31 • 34 • 38 • 41 • lăng kính sinh viên Mô hình ước lượng rủi ro thị trường theo giá trị gặp rủi ro (E-VaR) theo Basel 2 tại Ngân hàng Vietinbank Hiệu quả mô hình quản lý vốn Nhà nước SCIC Cơ hội và thách thức của hệ thống...
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...potrošača - 18 - 3.2 Zakon o zaštiti potrošača - 19 - 3.2.1 Struktura Zakona o zaštiti potrošača - 21 - 3.3 Zaštita potrošača u EU - 23 - 3.4 Zaštita potrošača u turizmu - 24 - 3.5 Bezbednost hrane i HACCP standard - 26 - 4 KONZUMERIZAM - 29 - 4.1 Pokret potrošača - Konzumerizam - 29 - 4.2 Organizacije potrošača u svetu - 30 - 4.3 Zaštita prava potrošača u Srbiji - 32 - 4.4 Međunarodna dimenzija konzumerizma - 35 - 4.5 Environmentalizam i društveno odgovorno preduzeće - 37 - 5 Zaključak - 39 - Literatura - 40 - Uvod U diplomskom radu Savremena zaštita potrošača biće reči o razvoju zaštite potrošača, o njihovim problemima i poteškoćama prilikom korišćenja nekog proizvoda ili usluge i kako su baš ti problemi i nezadovoljstvo potrošača doveli do toga da nešto po tom pitanju počne da se menja....
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...COMMON PROSPECTUS Master’s Degree Bachelor’s Degree Diplomas Certificates Indira Gandhi National Open University Maidan Garhi, New Delhi-110068, INDIA | www.ignou.ac.in Price: Rs. 100/- by cash at the counter | Rs. 150/- by Registered Post Electronic version of the prospectus is available for download at: http://www.ignou.ac.in Online Admission & Payment Gateway RECOGNITION IGNOU is a CENTRAL UNIVERSITY established by an Act of Parliament in 1985 (Act No. 50 of 1985). IGNOU Degrees/Diplomas/Certificates are recognised by all the member institutions of the Association of Indian Universities (AIU) and are at par with Degrees/Diplomas/Certificates of all Indian Universities/Deemed Universities/Institutions. Prepared & vetted at: Student Registration Division © Indira Gandhi National Open University March 2012 Print Production Mr B. Natarajan, DR(P) Mr Arvind Kumar, AR(P) Mr Ajit Kumar, So(P) IGNOU Offers “Round the Year Admission” to its Programmes under the ‘Walk-in-Admission’ Scheme. Candidates can obtain admission application forms from Regional Centre, Student Registration Divisions (SRD), IGNOU Headquarters and also can download the Prospectus and application form from the university website at ww.ignou.ac.in. Candidates can submit the same only at the Regional Centres concerned either by post or in person. Application forms can be submitted online and programme fee can be paid online through the internet payment gateway. CUT OFF DATES FOR WALK-IN-ADMISSION: Please...
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...RETAIL FOOD GROUP is a leading Australian retail food brand manager, franchisor and wholesale coffee roaster. It designs, develops and manages franchise systems and is the intellectual property owner and manager of the following retail and coffee brands: Donut King, Michel’s Patisserie, Brumby’s Bakery, Esquires Coffee Houses, bb’s cafe, Evil Child, Roasted Addiqtion and Barista’s Choice. For the 6th consecutive year since Listing (in June 2006), Retail Food Group continued to deliver enhanced performance and record outcomes for stakeholders. NPAT and EPS 6 year cumulative annual growth rates (cagr) of 35.8% and 24.2% respectively, reinforces Retail Food Group as an enterprise with franchise systems, business model and revenue streams capable of significant growth. NPAT Core NPAT EPS (Basic) 30 30 25 25 20 20 15 15 10 DPS 10 5 0 5 FY07 FY08 FY09 FY10 FY11 ($m) Revenue 140 FY10 FY11 0 ($m) FY07 FY08 FY09 FY10 FY11 FY08 FY09 FY10 FY11 (cents) Net Operating Cashflows Adj. Revenue 120 25 80 20 60 15 40 Net Debt Reduction 30 100 (cents) 10 20 0 5 FY07 FY08 FY09 FY10 FY11 ($m) FY10 FY11 0 ($m) FY07 FY08 FY09 FY10 FY11 ($m) Outlets Network Sales 700 600 1200 500 1000 400 800 300 600 200 400 100 200 0 FY07 FY08 FY09 FY10 FY11 ($m) 0 FY07 FY08 FY09 FY10 FY11 FY10 FY11 ($m) ...
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...a b c d e f g h i j k l m n o p q r s t u v w x y z aa ab ac ad ae af ag ah ai aj ak al am an ao ap aq ar as at au av aw ax ay az ba bb bc bd be bf bg bh bi bj bk bl bm bn bo bp bq br bs bt bu bv bw bx by bz ca cb cc cd ce cf cg ch ci cj ck cl cm cn co cp cq cr cs ct cu cv cw cx cy cz da db dc dd de df dg dh di dj dk dl dm dn do dp dq dr ds dt du dv dw dx dy dz ea eb ec ed ee ef eg eh ei ej ek el em en eo ep eq er es et eu ev ew ex ey ez fa fb fc fd fe ff fg fh fi fj fk fl fm fn fo fp fq fr fs ft fu fv fw fx fy fz ga gb gc gd ge gf gg gh gi gj gk gl gm gn go gp gq gr gs gt gu gv gw gx gy gz ha hb hc hd he hf hg hh hi hj hk hl hm hn ho hp hq hr hs ht hu hv hw hx hy hz ia ib ic id ie if ig ih ii ij ik il im in io ip iq ir is it iu iv iw ix iy iz ja jb jc jd je jf jg jh ji jj jk jl jm jn jo jp jq jr js jt ju jv jw jx jy jz ka kb kc kd ke kf kg kh ki kj kk kl km kn ko kp kq kr ks kt ku kv kw kx ky kz la lb lc ld le lf lg lh li lj lk ll lm ln lo lp lq lr ls lt lu lv lw lx ly lz ma mb mc md me mf mg mh mi mj mk ml mm mn mo mp mq mr ms mt mu mv mw mx my mz na nb nc nd ne nf ng nh ni nj nk nl nm nn no np nq nr ns nt nu nv nw nx ny nz oa ob oc od oe of og oh oi oj ok ol om on oo op oq or os ot ou ov ow ox oy oz pa pb pc pd pe pf pg ph pi pj pk pl pm pn po pp pq pr ps pt pu pv pw px py pz qa qb qc qd qe qf qg qh qi qj qk ql qm qn qo qp qq qr qs qt qu qv qw qx qy qz ra rb rc rd re rf rg rh ri rj rk rl rm rn ro rp rq rr rs rt ru rv rw rx ry rz sa sb sc sd se sf sg sh si sj sk sl sm sn so...
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...The Six Sigma Handbook Revised and Expanded A Complete Guide for Green Belts, Black Belts, and Managers at All Levels THOMAS PYZDEK McGraw-Hill New York Chicago San Francisco Lisbon London Madrid Mexico City Milan New Delhi San Juan Seoul Singapore Sydney Toronto Copyright © 2003 by The McGraw-HIll Companies, Inc. All rights reserved. Manufactured in the United States of America. Except as permitted under the United States Copyright Act of 1976, no part of this publication may be reproduced or distributed in any form or by any means, or stored in a database or retrieval system, without the prior written permission of the publisher. 0-07-141596-3 The material in this eBook also appears in the print version of this title: 0-07-141015-5. All trademarks are trademarks of their respective owners. Rather than put a trademark symbol after every occurrence of a trademarked name, we use names in an editorial fashion only, and to the benefit of the trademark owner, with no intention of infringement of the trademark. Where such designations appear in this book, they have been printed with initial caps. McGraw-Hill eBooks are available at special quantity discounts to use as premiums and sales promotions, or for use in corporate training programs. For more information, please contact George Hoare, Special Sales, at george_hoare@mcgraw-hill.com or (212) 904-4069. TERMS OF USE This is a copyrighted work and The McGraw-Hill Companies, Inc. (“McGraw-Hill”) and its licensors reserve all...
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