...Also by J.K. Rowling Harry Potter and the Philosopher’s Stone Harry Potter and the Chamber of Secrets Harry Potter and the Prisoner of Azkaban Harry Potter and the Goblet of Fire Harry Potter and the Order of the Phoenix Harry Potter and the Half-Blood Prince Harry Potter and the Deathly Hallows (in Latin) Harry Potter and the Philosopher’s Stone Harry Potter and the Chamber of Secrets (in Welsh, Ancient Greek and Irish) Harry Potter and the Philosopher’s Stone Fantastic Beasts and Where to Find Them Quidditch Through the Ages The Tales of Beedle the Bard Copyright First published in Great Britain in 2012 by Little, Brown and Hachette Digital Copyright © J.K. Rowling 2012 The moral right of the author has been asserted. All characters and events in this publication, other than those clearly in the public domain, are fictitious and any resemblance to real persons, living or dead, is purely coincidental. All rights reserved. No part of this publication may be reproduced, stored in a retrieval system, or transmitted, in any form or by any means, without the prior permission in writing of the publisher, nor be otherwise circulated in any form of binding or cover than that in which it is published and without a similar condition including this condition being imposed on the subsequent purchaser. ‘Umbrella’: Written by Terius Nash, Christopher ‘Tricky’ Stewart, Shawn Carter and Thaddis Harrell © 2007 by 2082 Music Publishing (ASCAP)/Songs of Peer, Ltd. (ASCAP)/March Ninth Music...
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...BAB I PENDAHULUAN 1. Latar Belakang Seiring dengan pesatnya perkembangan yang terjadi di bidang Pariwisata Indonesia, banyak daerah yang gencar melakukan promosi untuk menarik dan mendatangkan wisatawan. Dengan daya tarik yang luar biasa daerah wisata di Indonesia saling berlomba untuk mempromosikan daerahnya sendiri. Kebanyakan masyarakat Indonesia sudah mengenal Kepulauan Seribu. Tetapi tidak dapat dipungkiri ternyata masih banyak masyarakat Indonesia terutama yang berasal dari pelosok belum mengenal bahkan mengetahui Kepulauan Seribu. Hal ini dapat kita lihat dari kepulauan seribu yang sebenarnya memiliki sangat banyak pulau untuk dijelajahi. Namun, hanya beberapa pulau yang sudah dibangun dan berani bersaing sebagai tujuan pariwisata. Di sini kami ingin turut serta memperkenalkan objek wisata ini agar dapat semakin berkembang dan dapat memaksimalkan pariwisata di Indonesia. Lalu apakah pulau lainnya tidak memiliki daya tarik? Bagaimana cara memperkenalkan dan mempromosikan pulau tersebut? Apa yang harus dilakukan? Pertanyaan-pertanyaan ini dapat terjawab jika pihak manajemen memiliki informasi yang tepat dan mampu menjadi sumber yang akurat bagi proses pengambilan keputusan dan prediksi masa depan yang akan datang. Banyaknya informasi yang diserap oleh manajemen tidaklah cukup, informasi tersebut harus diolah sedemikian rupa sehingga pihak manajemen mampu mendapatkan pengetahuan yang tersembunyi di dalam ribuan atau bahkan jutaan informasi...
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...Chapter 2 Review of Related Literature What is an “e-book”?The question may seem facile, but the confusion caused by the lack of an acceptable definition of what an e-book is has become abundantly clear during the course of the research undertaken for this report, and this confusion in itself also constitutes a barrier to uptake. Conventionally speaking, there are two major types of e-book: the electronic version of a whole text (for example, of a book that already exists in print); or a database of linked materials, some but not all of which may exist in a print version (for example, scientific encyclopedias which include interactive tables). Although most librarians include database versions when they are discussing e-books, many individuals (lecturers, academics, students, even some publishers) assume that the term refers to electronic versions of discrete books only. The working definition used by JISC is “an online version of printed books, accessed via the Internet”; although this may provide an adequate working tool for the JISC E-Books Working Group, it has variously been described as “too broad”, “too imprecise” and “misleadingly suggesting whole texts only” by contributors to this report. Patently, it does not apply to e-book originals. Other definitions of e-books deliberately exclude the database versions: Non-conventional thinkers would broaden the term to include almost any electronic resource: they would argue that a website, a CDROM, even an e-mail might in...
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...The implementation of books as digital downloads has given anyone the chance to read a book. Without having to leave the house, people can download a book in seconds. Barnes and Noble, Amazon, and Google have all jumped on the opportunity to sell e-books. E-book sales have jumped in recent years. With the invention and relatively low price of e-readers, Kindle and Nook being most prominent, Forbes estimates nearly 30 million Kindle e-readers have been sold. They also estimate that Amazon makes nearly $500 million in e-book sales annually. (Brown, A. 2014). With annual sales growing and 1000’s of book downloads daily, e-readers have had a profound influence on adult reading habits. Research shows that adults read more books per year on e-readers than in print. In some cases doubling the amount of books read than the average printed book reader. In 2013, USA Today and Bookish conducted a poll to see how many people owned an e-reader or tablet. Based on their results, they found that 40 percent of adults own an e-reader or tablet. Of those, 46 percent of them were in the ages of 18 to 39. That same poll found that 60 percent of college graduates also have an e-reader. At most, 35 percent of that number say they read more often now that they have reading devices than they did before (Minzesheimer, B. 2013). The particular person this article focuses on is a man named, David Delk. Delk says he reads 40 books a year compared to just 20-25 before his e-reading days. He explains his...
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...Shenel Mason Professor Lannon ENC1101 29 January 2015 Text Books or Digital Books? The once forest green leaves are transforming into a beautiful shade of tangy orange stars descending from the trees, creating puddles on the hot floor. 2015-fall term has just begun, and college students have once again flooded university bookstores in hopes of not breaking their crying wallets and purses as they are used for over priced, difficult to find passages, non-advanced textbooks. While on the flipside, a majority of students have moved on to E-Books or Digital Books. “E-books are essentially electronic digital text similar in content to traditional print books”(Fliess). Digital textbooks are better than traditional textbooks. They are more affordable, have multi-learning styles and have great search engines (ProCon, par.5). To begin with, the era of traditional textbooks are over because of the noticeable cost deductions in digital books. Students pay an average $12,000 for textbooks every year, not including room, tuition and board charges (Lee, par 5). E-books are more cost friendly to students with “discounts that range from 50- 60 percent less than traditional texts”(ProCon, par. 3). For example, “Technology Ventures’’ business textbook costs $151.40 for a new copy, $113.55 for a used copy, and $83.90 for the e-book. Students can save even more by entering the e-book, which costs $65.60 ”(Lee, par.3). That’s a tremendous discount from the original...
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...Subject: Principles of Insurance and Banking Course Code: FM-306 Lesson: 1 Author: Dr. S.S. Kundu Vetter: Dr. B.S. Bodla NEGOTIABLE INSTRUMENTS ACT, 1881 STRUCTURE 1.0 1.1 1.2 1.3 1.4 1.5 Objectives Introduction Meaning of Negotiable Instruments Characteristics of a negotiable instrument Presumptions as to negotiable instrument Types of negotiable Instrument 1.5.1 Promissory notes 1.5.2 Bill of exchange 1.5.3 Cheques 1.5.4 Hundis 1.6 Parties to negotiable instruments 1.6.1 Parties to Bill of Exchange 1.6.2 Parties to a Promissory Note 1.6.3 Parties to a Cheque 1.7 1.8 Negotiation 1.7.1 Modes of negotiation Assignment 1.8.1 Negotiation and Assignment Distinguished 1.8.2 Importance of delivery in negotiation 1.9 Endorsement 1.10 Instruments without Consideration 1.11 Holder in Due Course 1.12 Dishonour of a Negotiable instrument 1.13 Noting and protesting 1.14 Summary 1.15 Keywords 1.16 Self Assessment Questions 1.17 References/Suggested readings 1.0 OBJECTIVES After reading this lesson, you should be able to• • • • Understand meaning, essential characteristics and types of negotiable instruments; Describe the meaning and marketing of cheques, crossing of cheques and cancellation of crossing of a cheque; Explain capacity and liability parties to a negotiable instruments; and Understand various provisions of negotiable instrument Act, 1881 regarding negotiation, assignment, endorsement, acceptance, etc. of negotiable instruments. 1.1 INTRODUCTION The Negotiable Instruments...
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...EVOLUTION AND SELF-INTEREST Richard Dawkins argues that at its most fundamental level, the genetic level, life is self-interested.1 Genes do only one thing; they replicate themselves. These replicators reside in and are carried around by biological vehicles (trees, animals, humans, fungus, etc.). The resources that support these biological vehicles are finite, so the process of life has become a competition among genes to create vehicles that can successfully compete for limited resources and survive to pass on their genetic code. Dawkins coined the term ‘selfish gene’ to emphasize the single, focused object of a gene’s existence. What he means is that the sole purpose of a gene is to make copies of itself using the Darwinian selection process; very selfishly ignoring the consequences this pursuit may have on other living entities. Self-interest is a requirement for survival. This does not mean, of course, that animals and humans cannot be altruistic sometimes, in certain activities.2 It does mean that no living entity can survive for long if it is only purely altruistic. On the other hand, survival is not necessarily jeopardized when an organism is purely self-interested. Altruism, in the absence of self-interest, is not evolutionarily stable in the biological world; it leads to extinction. It is for this reason that all extant life forms must be selfish. Humans, like all creatures, are self-interested; not because it is good to be selfish but because we would not be here if...
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...Chapter 1 “WOW! Ang ganda naman dito Dear.” namamanghang sabi ni Mina pagkatapos tignan ang kabuuan ng resort. Isang private resort sa Tagaytay na pagmamay-ari ng boyfriend ng bestfriend niyang si Laiza. Since 1st year college pa lang ay mag bestfriend na silang dalawa. Nag-aaral sila sa isang College school sa lugar nila sa Olongapo City, Zambales. Siya ay kumukuha ng kursong BS Accountancy, samantalang BS Civil Engineering naman ang kinukuha ng kaibigan niya. Nasa graduating year na siya kaya tuwang tuwa siya ng payagan siya ng kanyang mga magulang na sumama sa kaibigan niya na magbabakasyon sa Tagaytay ng halos dalawang linggo dahil semestral break na nila. At ngayon na nandito na sila, parang ayaw na nyang umuwi pa sa sobrang ganda ng lugar na ito. “Maganda talaga ako My Dear.” Nakangiting sabi ni Laiza na nakaupo sa isang bench na nakapwesto malapit sa gate. “Lucky Girl, you have everything. Pity me.” Matabang ang ngiti ni Mina na tumabi ng upo sa kaibigan. “Sino bang hinihintay mo Dear?” curious na tanong ng kaibigan sa biglang pag eemote nya. “Edi yung boyfriend mo, para makapasok na tayo at makapagpahinga na. Hilo pa ako eh.” wala sa sariling sabi nya. “Hilo ka pa nga. Tara, itulog mo yan. Baka paggising mo masalo ka ng hinihintay mo.” Nakangiwing sabi nito na tumayo na sa kinauupuang bench. “Ano ba ang magiging scenario Dear? Para prepared ako.” Aniya na tumayo na din at sumunod sa kaibigan papasok ng resort. Natanaw na niya ang boyfriend ni Laiza na si Eirdy na...
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...SIGNALLING, STRATEGY & MANAGEMENT TYPE Introducing Framework T3 and GEMS for Business Strategy Patrick A. McNutt The usual disclaimer applies. The views expressed here are those of the author This is an E-book. It is available in camera copy format with free download from www.patrickmcnutt.com. December 2008 ACKNOWLEDGEMENTS Thank you for reading the E-book and making a contribution to the charity as identified on my web portal. The E-book can be read independently or in conjunction with the Kaelo v2.0 software tool. Some of the arguments are filtered from McNutt (2005): Law, Economics and Antitrust and from books referenced in the E-book. There are indeed numerous references and secondary readings recommended in the E-book. These should be read as well. They will be fully referenced as we continue together to write this E-book on the web. Interesting books on related themes to read are Roberts (2004): The Modern Firm: Games, Strategies and Managers and Nalebuff and Dixit (2008): The Art of Strategy. For my MBA students you will be reading either Baye (2008): Managerial Economics and Business Stratagy or Besanko (2007): Economics of Strategy. For clients using my services, a note of thanks and for management in general who may happen upon this E-book a set of business slides are available as one set called Framework T3 and GEMS which is available from the author. They will appear also on my web page. Please email your comments to me via my web portal at www.patrickmcnutt...
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...The eBook How becoming registered as a Chartered Engineer (CEng) could advance your career n n The benefits of CEng F ind out how to become professionally registered and the requirements for becoming a CEng n Student? Discover what you can do now to help your future career n n C hartered Engineers share their experiences and explain how professional registration has helped their careers FAQs and useful links CEng eBook page 2 www.engc.org.uk Contents The benefits of CEng 03 Serious about your career in engineering? Gain professional recognition 04 Eligibility 05 How to become professionally registered 06 UK-SPEC competence and commitment requirements for CEng registration 07 Student? 08 CEng case studies 09 FAQs 13 Useful weblinks 14 CEng eBook page 3 www.engc.org.uk Becoming a Chartered Engineer (CEng) could advance your career Professional registration as a CEng not only recognises your proven commitment, skills and experience as an engineer, but also identifies to employers that you have the competence, expertise and work ethic that they value. You will: n Gain a professional title that carries considerable prestige n Enhance your employability n tand S out from the crowd as a significant player in the world of engineering and technology n Enjoy greater influence within the profession n Earn...
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...SIGNALLING, STRATEGY & MANAGEMENT TYPE Introducing Framework T3 and GEMS for Business Strategy Patrick A. McNutt The usual disclaimer applies. The views expressed here are those of the author This is an E-book. It is available in camera copy format with free download from www.patrickmcnutt.com. December 2008 ACKNOWLEDGEMENTS Thank you for reading the E-book and making a contribution to the charity as identified on my web portal. The E-book can be read independently or in conjunction with the Kaelo v2.0 software tool. Some of the arguments are filtered from McNutt (2005): Law, Economics and Antitrust and from books referenced in the E-book. There are indeed numerous references and secondary readings recommended in the E-book. These should be read as well. They will be fully referenced as we continue together to write this E-book on the web. Interesting books on related themes to read are Roberts (2004): The Modern Firm: Games, Strategies and Managers and Nalebuff and Dixit (2008): The Art of Strategy. For my MBA students you will be reading either Baye (2008): Managerial Economics and Business Stratagy or Besanko (2007): Economics of Strategy. For clients using my services, a note of thanks and for management in general who may happen upon this E-book a set of business slides are available as one set called Framework T3 and GEMS which is available from the author. They will appear also on my web page. Please email your comments to me via my web portal at www.patrickmcnutt.com...
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...Albert Einstein once said “I fear the day that technology will surpass our human interaction. The World will have a generation of idiots.” The world is so reliant on saving trees and saving paper that everything is becoming electronic. With all magazines and books converting to e-magazines and e-books the world will become too dependent on technology. In a nation that citizens are already too dependent on technology I fear that this will create problems in the future. No one will really know the feeling of a magazine or newspaper hot off the press or the crisp smell of the pages of a brand new book. Taking a deeper look into saving trees and paper, books can be recycled and reused by hundreds or maybe thousands of different people. Whereas, the e-readers that are used for the e-books and e-magazines are mainly used by one person and are poorly disposed of whenever they get worn out or something better comes along. Compared to old fashioned books, e-books and e-magazines pose a greater demand other than just cutting down a tree. For example, manufacturing of electronic products, the shipping costs, fuel, and eventually, the energy needed to recycle these materials at the end of their days. I feel that with all that time and money wasted, people could just as well drive or even walk to their nearest library and check out a few books, and most of the time they are free. Living in a technology dependent nation, everything is going electronic. Just as Albert Einstein said “…technology...
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...Usage of e-book increases rapidly among students according to e-book offers benefits for their studying. E-book is kind of ‘electronic versions of titles that are, were, or could be available as hard copy books, and therefore resemble books in their structure and presentation’(Briddon et al, 2009 p46). E-book has no differences between the printed books as it includes published information, numbered pages, table of contents, articles, figures and references. It also has numerous of formats, for instances, PDF, CHM, UMD, PDG and EXE, that users could read it on the screen of personal computer, laptop, Smartphone and any other kind of computer. This essay will examine the educational benefits of e-books from the point of view of student users and show e-book’s advantages, which include accessibility, money saving and portability. In the following paragraphs, the essay will firstly show the accessibility of e-book and limitation; secondly, money saving and one of the argument about used book; portability come last. Accessibility is the main advantage that students can benefit from by using e-book. Tedd and Large (2005) illustrated that e-book can be 24/7 accessible in many academic libraries via their digital libraries. Both Briddon et al and Jamali et al (2009) states that accessibility is the major benefit of e-book, users can get e-book through internet anywhere and whatever time they want instead of going to the library on purpose. Therefore, it would be convenience for students...
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...ABSTRACT Society has experienced a revolution in information and communication during the last fifty years. This revolution is likely to continue to impact not only on the administration of the Nigeria, but on the society at large. The argument proposed here asserts that equality of opportunity of women and men is more likely to be achieved if both genders embrace the changes now occurring in communication and information use with similar vigour. This term paper seeks to highlight on the concept of gender discrimination, even as sundry instances of the persistent issue is well sustained. The argument proposed here provides an anecdotal rather than theoretical overview of the way in which the use of information technology has come to dominate modern decision making in a variety of contexts. The dimension of women disparity and the need to correct such inequality is elaborated. Finally, the areas of applications of information technology in curbing gender differences and the probable outcome of such applications is well addressed. INTRODUCTION Women are key to the development challenge. Throughout the developing world, women are at a disadvantage at the household, community, and societal levels. Within the household, women have less access to and control over resources and limited influence over household decisions. Beyond the household, women have limited access to communal resources, are under-represented in public decision-making bodies; have limited bargaining power in...
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...FINAL REPORT Books versus eBooks: The change of the reading approach autors Marco Genovese Alberto Bagarello Francesca Bin 1 INDEX Introduction ................................................................................ p. 3 Rationale & Design .................................................................... p. 5 Main results ................................................................................ p. 7 Other results ............................................................................... p. 12 Conclusions ................................................................................ p. 14 Appendix ..................................................................................... p. 15 2 INTRODUCTION The last global revolutionary change of books dates back to 1456 when the printing machine was invented by Gutenberg. Before the coming of the printing, books were not products at everybody's disposal but they began to spread all over Europe setting the bases for the creation of a new type of market: the market of publishing. During the following centuries this market favoured the born of different applications of the printing, for example giving birth to the newspapers. But until the XX century nothing has changed in the approach to reading. In the early 80's, when computers and digital technology began to be really important tools for research of every kind, the idea that printed books could be converted in a virtual version started...
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