...There are multiple avenues that student can take to reduce the amount of money that they need to borrow to cover their education costs. Two of the most popular ways would be to apply for grants or scholarships. These two options are the best to try because these do not need to be re-paid back. Applying for scholarships and grants are very easy and usually require you to write an essay stating why you feel you should get the scholarship. Another option is to use money from your savings account. The more money you put into your education, the less you will need to borrow toward your education cost. Because of my current financial situation, I thought that I had no choice but to borrow more than what I wanted to cover my education expenses. I had no money in my savings account and had a real hard time trying to find scholarship that I was qualified to apply for. I am still having troubles with that aspect to this date. It seems that most of the scholarships require you to have a GPA score which I have not acquired yet at this time. I did however managed to cut down a big chunk of my education costs by applying for a Pell grant for which I was approved. This has saved me a large amount of money that I will not have to pay back after I graduate. I intend to keep trying to get scholarships and using that scholarship money to pay off my student loans while I am attending school. The most important thing that we all need to keep in mind is that 6 months after we graduate...
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...IBPS clerk interview best successful tips: all questions answered. Tweet Submitted by BeingHuman March 13, 2012 - 40 weeks 8 hours ago IBPS has been one of the most successful organizations in the recent months in giving the Indian job seekers a ray of hope to enter the banks. The public sector banks will be calling up nearly 1 lakh candidates for interview from the list of IBPS clerk passed candidates. The query for IBPS clerk interview pattern and techniques to crack them has been the major concern among the candidates in the recent reports. So, the most effective and best IBPS clerk interview success tips have been bunched up together in this article and presented before the candidates to get most out of the public sector and private sector bank clerical interviews in the coming months. This report has been made up by some of the successful candidates in PO and clerical interviews from the major banks. Lets get into the questions and their definite answers. Query on how should I present myself in front of the judging panel? Ans: You should be correct on time and keep an eye on your documents that they are properly stacked according to preference or not. It shows a disciplined character of the candidate towards the panel. Dress up in formals and keep hairs and nails neat and clean. When you are to enter the room, ask for permission in a calm yet confident tone. And ask if you can seat when you go in front of them, sit when they ask you to sit. Calmly be firm and straight...
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...|Multiple Choice Answer Sheet | | | |Name | | |Marks | |Student No. | | |Multiple | | | | | |Choice | | |Subject |Financial Management | |Essay | | | | | |Questions | | |Tutor |K F Chan | | | | | |Assignment 1 DUE DATE: 11 March 2013 (Monday) | |Total : | | Instructions : |Please fill in the circle completely. |e.g. right - ( |wrong - |( ( ( | | ...
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...The debt crisis of Nigeria and Greece Introduction National debt is a problem that can inflict any country including the developed countries. Almost all countries go into budget deficit one way or the other and end up borrowing money. The most direct effect of the government debt is to place a burden on future generations of taxpayers. When these debts and accumulated interest come due, future taxpayers will face a difficult choice. Inheriting such a large debt cannot help but lower the living standard of future generations. In the 1960s and 1970 some developing countries were encouraged to borrow money to service old debts and also to finance development projects in their country like infrastructure. This has been necessitated by the availability of huge oil earnings deposited by OPEC member countries and were eager to lend at very low rates. Moreover, it is misleading to view the effects of government debt in isolation. Government debt can be divided into two categories namely domestic debt and international debt. The International debt is facilitated by the formation of such institutions like the International Monetary Funds (IMF) the International Bank for Construction and Development (World Bank). Governments borrow money from the private sector and foreign governments if they can't pay for all their spending with taxes and government revenues. A government will issue bonds at bond auctions every so often and market participants will come in and bid for them. Market participants...
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...THE FACULTY OF ECONOMICS LJUBLJANA THE CRISIS IN GREECE subject: TAXES MAY 2013 TAXES THE CRISIS IN GREECE author: P.Fux Contents INTRODUCTION ...................................................................................................................... 3 GENESIS OF THE FINANCIAL CRISIS (USA) ................................................................. 3 THE TIPPING POINT ........................................................................................................... 3 IMPACT OF BANKING CRISIS ON EU - DEVELOPMENT OF FISCAL CRISIS .............. 4 WHAT HAPPENED IN GREECE............................................................................................. 4 DEBT IS HER OLDEST COMPANION ............................................................................... 5 CRISIS HAS SHOWN FIRST EFFECTS.............................................................................. 5 HOW MARKETS SAW GREECE ........................................................................................ 6 GREECE'S PROBLEMS SINCE THE CRISIS HAS ARISEN and BAILOUTS ..................... 7 The huge numbers of Greece's debt in pictures (2012) ...................................................... 9 A FEW WORDS ABOUT GREECE'S RATIOS ..................................................................... 10 THE GOVERNMENT SPENDINGS ..............................................................
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...ABSTRACT This paper is intended to provide critical responses to the weaknesses of globalization and corruption in the world that we are currently living based on the mixed economic worldview which is my personal economic worldview which threatens to undermine the stability of economic and political development on both a national and global scale, and which requires both immediate and wide-ranging policy interventions. The recent concern with corruption is attributable, not to any substantive increase in corrupt practices, but rather, to the re-framing of corruption in light of broader shifts and transformations within the global economy. The historical context of globalization covers centuries. This paper reviews the types, forms as well as the consequences of corruption. The paper also reviews the issues associated with globalization and the effect it has on the lives of various individuals. It questions the view that, under certain conditions, corruption may enhance efficiency and argues that though corruption may benefit powerful individuals it will indubitably lead to greater inefficiency and a waste of resources at a macro-economic level. Table of Contents ABSTRACT i INTRODUCTION iii BACKGROUND iv Forms of Corruption vi 1.1 Bribery vi 1.2 Theft and fraud vi 1.3 Embezzlement vi 1.4 Nepotism vi 1.5 Conflict of Interest vi 1.6 Favouritism vii Types of Corruption vii 2.1. Grand corruption vii 2.2 Political corruption vii 2.3 Corporate corruption...
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...Lecturer, BBS, BRAC University Shantu Kumar Ghosh(2nd) Senior Lecturer BBS, BRAC University. Report prepared by MD. ULLAH AL MAMUN Student ID: 06104007. BBS Department, BRAC University. Date Of Submission 13th May, 2010. BRAC University Students Assertion I hereby announced that the extensive study entitled “Performance Appraisal System of AB Bank Limited, ABBL” (Conducted on behalf of AB Bank Limited, Head Office, HR Division) Prepared in partial accomplishment of the requirements for the award of the degree in Bachelor of Businesss Administration (BBA) From BRAC University BBS Department. Is my original work and not put forward For the award of the any other degree/fellowship Or other similar designation or accolade. …………………………………… MD. ULLAH AL MAMUN Student ID: 06104007. Certificate of Approval The internship report of MD. ULLAH AL MAMUN Student id: 06104007. BBS Department, BRAC University Titled “Performance Appraisal System of AB Bank Limited, ABBL” (Conducted on behalf of AB Bank Limited, Head Office, HR Division) Is approved and is suitable in eminence and figure Academic supervisor ………………………………………. (Signature) Probal Dutta. Senior Lecturer.BBS Department, BRAC University. Certificate of Approval The internship report of MD. ULLAH AL MAMUN Student id: 06104007. BBS Department, BRAC University Titled “Performance Appraisal System of AB Bank Limited, ABBL” (Conducted on behalf...
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...Senior Lecturer, BBS, BRAC University Shantu Kumar Ghosh(2nd) Senior Lecturer BBS, BRAC University. Report prepared by MD. ULLAH AL MAMUN Student ID: 06104007. BBS Department, BRAC University. Date Of Submission 13th May, 2010. BRAC University Students Assertion I hereby announced that the extensive study entitled “Performance Appraisal System of AB Bank Limited, ABBL” (Conducted on behalf of AB Bank Limited, Head Office, HR Division) Prepared in partial accomplishment of the requirements for the award of the degree in Bachelor of Businesss Administration (BBA) From BBS Department. BRAC University Is my original work and not put forward For the award of the any other degree/fellowship Or other similar designation or accolade. …………………………………… MD. ULLAH AL MAMUN Student ID: 06104007. Certificate of Approval The internship report of MD. ULLAH AL MAMUN Student id: 06104007. BBS Department, BRAC University Titled “Performance Appraisal System of AB Bank Limited, ABBL” (Conducted on behalf of AB Bank Limited, Head Office, HR Division) Is approved and is suitable in eminence and figure Academic supervisor ………………………………………. Probal Dutta. Senior Lecturer.BBS Department, BRAC University. (Signature) Certificate of Approval The internship report of MD. ULLAH AL MAMUN Student id: 06104007. BBS Department, BRAC University Titled “Performance Appraisal System of AB Bank Limited, ABBL” (Conducted on behalf of AB Bank...
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...Rafael / Mis-education, Translation and the Barkada of Languages 1 MIS-EDUCATION, TRANSLATION AND THE BARKADA OF LANGUAGES: READING RENATO CONSTANTINO WITH NICK JOAQUIN Vicente L. Rafael University of Washington, Seattle vrafael@uw.edu This paper re-visits the classic piece by Renato Constantino, “The Mis-education of the Filipino” (1959/1966), inquiring into the colonial basis of his anti-colonial critique of American English. It explores the affinity between his view of language and those of American colonial officials, especially around the relationship between English and the vernacular languages. Both conceived of that relationship in terms of a war of and on translation. It then turns to an important but overlooked essay by Nick Joaquin published around the same time as Constantino’s, “The Language of the Streets” (1963). By closely considering Joaquin’s views on “Tagalog slang” as the basis for a national language, we can see a different politics of language at work, one based not on translation as war but as play. Whereas Constantino was concerned with language as the medium for revealing the historical truth of nationhood that would lead to democratizing society, Joaquin was more interested in the conversion of history into language as a way of expanding literary democracy. Abstract Vicente L. Rafael is Professor of History at the University of Washington in Seattle. He grew up in Manila and graduated from the Ateneo in 1977. His books include Contracting...
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...educators are accredited by the Teacher Education Accreditation Council for a period of seven years, from January 9, 2009 to January 9, 2016. This accreditation certifies that the educational leadership, teacher preparation and interdisciplinary studies programs have provided evidence that they adhere to TEAC's quality principles. Teacher Educational Accreditation Council, One Dupont Circle, Suite 320, Washington, DC, 20036, phone 202.466.7236. www.teac.orghttp://www.teac.org/ Regent University is authorized to operate in the state of Virginia and is exempt from the requirements of certification provided by the State Council of Higher Education for Virginia (SCHEV) (www.schev.edu/.) Nondiscrimination Policy Regent University admits students of any race, color, disability,...
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...The Edexcel International GCSE in History Schemes of work We are happy to provide these new enhanced schemes of work for you to amend and adapt to suit your teaching purposes. We hope you find them useful. Practical support to help you deliver this specification Schemes of work These schemes of work have been produced to help you implement this Edexcel specification. They are offered as examples of possible models that you should feel free to adapt to meet your needs and are not intended to be in any way prescriptive. It is in editable word format to make adaptation as easy as possible. These schemes of work give guidance for: * Content to be covered * Approximate time to spend on different key themes * Ideas for incorporating and developing the assessment skills related to each unit. Suggested teaching time This is based on a two year teaching course of five and a half terms with one and a half hours of history teaching each week. This would be a seventy week course with total teaching time of approximately 100 hours. The schemes suggest the following timescale for the different sections: * Paper 1: 20 hours for each of the two topics: Total 40 hours. * Paper 2 Section A: 20 hours for the topic: Total 20 hours. * Paper 2 Section B: 25 hours for the topic since it covers a longer period in time. Total 25 hours. * Revision: 15 hours. Possible options for those with less teaching time * 20 hours for Section Paper 2 Section B ...
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...Capital account convertibility of the rupee is a distant dream because macro economic parameters have to be stable before it is implemented. The low current account deficit should be sustained and the fiscal deficit needs to be contained. * Leads to free exchange of currency at lower rates and an unrestricted mobility of capital * Beneficial for a country because inflow of foreign investment increases * The flip side, though, is that it could destabilise an economy due to massive capital flows in and out of the country “We are surely on that path but it will take a few more years. The rupee as a currency should be more frequently traded internationally,” said Dwijendra Srivastava, chief investment officer (debt) at Sundaram Mutual Fund. India’s external sector was vulnerable till recently, with the current account deficit above the comfort level of 2.5 per cent of the gross domestic product. It was 4.2 per cent of gross domestic product (GDP) in 2011-12 and rose to 4.7 per cent in 2012-13. After severe curbs, including restrictions on import of precious metals, the deficit fell to 1.7 per cent in 2013-14. In 2014-15, it continued to stay low, with the third quarter showing a deficit of 1.6 per cent. The fiscal situation remains fragile. The turning point was in 2007, the year of the global financial crisis. The fiscal deficit of the central government has been 4.6-6.5 per cent in the past six years, before falling to 4.1 per cent in 2013-14. The government is...
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...Bachelor of Arts in Business Economics STUDENT’S HANDBOOK 2011/2012 Lazarski University Warsaw, June 2011 1 Lazarski School of Commerce and Law Student’s Handbook- Bachelor of Arts in Business Economics Content Page 4 6 8 13 15 15 15 17 17 18 19 21 23 24 26 28 30 32 34 35 37 39 41 43 44 46 48 49 50 51 53 54 55 57 58 59 60 62 63 63 64 66 67 69 72 74 75 76 77 79 80 82 The Programme The Degree Assessment Quality Assurance Admission Procedures Erasmus Study in BABE Programme Administrative Issues Course Descriptors Mathematics Introductory Microeconomics Introduction to Sociology Current Issues of the European and Global Economy Academic Writing Introduction into Business Introductory Macroeconomics Introduction into Economic Analysis Economics of Integration Information Technology Intermediate Microeconomics Issues in Macroeconomic Policy Mathematical Economics Statistics Regional Economics Introduction to Strategic Management Banking and Finance International Business Law Research Proseminar Accounting Managerial Economics International Economics Intermediate Macroeconomics Econometrics Research Methods Social Policy Game Theory Public Finance Investment Analysis BA Seminar Electives Financial Accounting Monetary Theory and Policy - The Impact of Global Crisis Principles of Marketing The World Economy – Retrospective View The Small and Medium-Sized Enterprises (SME) Sector Economics of Telecommunication Demography and Economics of Contemporary European Migration Personal...
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...WILEY CPA EXAM REVIEW Financial Accounting and Reporting F O U R T H • concepts • problem-solving E D I T I O N • terms • rules Less Antman and criteria WILEY CPA EXAM REVIEW Financial Accounting and Reporting F O U R T H • concepts • problem-solving E D I T I O N • terms • rules Less Antman and criteria Copyright © 2006, by John Wiley & Sons, Inc. All rights reserved. Published by John Wiley & Sons, Inc., Hoboken, New Jersey Published simultaneously in Canada. No part of this publication may be reproduced, stored in a retrieval system or transmitted in any form or by any means, electronic, mechanical, photocopying, recording, scanning or otherwise, except as permitted under Section 107 or 108 of the 1976 United States Copyright Act, without either the prior written permission of the Publisher, or authorization through payment of the appropriate per-copy fee to the Copyright Clearance Center, Inc., 222 Rosewood Drive, Danvers, MA 01923, 978-750-8400, fax 978-750-4470, or on the Web at www.copyright.com. Requests to the Publisher for permission should be addressed to the Permissions Department, John Wiley & Sons, Inc., 111 River Street, Hoboken, NJ 07030, 201-748-6011, fax 201-748-6008, or online at http://wiley.com/go/permission. Limit of Liability/Disclaimer of Warranty: While the publisher and author have used their best efforts in preparing this book, they make no representations or warranties with respect to the accuracy or completeness of...
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...based on east-west summit diplomacy and Khrushchev’s visit to the USA in 1959. Developments which sustained Cold War tensions during the period might include: US attitudes towards communism in the 1950s (domino theory, ‘roll back’, Eisenhower doctrine); Soviet concept of peaceful coexistence based on long-term victory of communism; the impact of the Hungarian Rising (1956) and the launch of Sputnik (1957); the U2 spy plane incident (1960) and the issue of Germany (1958-1961). At Levels 1 and 2 simple or more developed statements will provide either only simple or more developed statements about peaceful coexistence with either only implicit reference to the extent tensions were eased or argument based on insufficient evidence. At Level 3, students should provide some sustained analysis related to the extent tensions were eased but the detail may be hazy in places and/or the material unbalanced chronologically or thematically. At Level 4, there will be sustained analysis of US-Soviet relations under peaceful coexistence with some attempt to reach a reasoned judgement on ‘how far’. At Level 5, ‘how far’ will be central in an answer which will be well informed...
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