...Complexities of the U.S. Financial System Joshua Curtiss Strayer University Professor Haroon Rasheed Baqai Finance 100 24 July 2013 * Describe how the U.S. financial markets impact the economy, businesses, and individuals. The U.S financial markets impact the economy, businesses, and individuals by, helping to skillfully direct the flow of savings and investment throughout the economy in ways that facilitate the increase of capital and the production of goods and services. The worth of credit and returns on investment provide helpful signs to producers and consumers. These signs help direct funds from savers and businesses to the consumers, businesses, governments, and other type of investor. Also, the existence of healthy financial markets and institutions also accelerates the international flow of funds between countries, helping the local economy. In addition, efficient financial markets and institutions tend to lower search and transactions costs in the economy, with potential savings of millions per year. By providing a large range of financial products, with fluctuating risk and pricing structures as well as maturity a well-built financial system offers products to participants that provide borrowers and lenders with a close match for their needs. Businesses, individuals, and governments in need of capital can easily discover which financial institutions or which financial markets may offer a particular funding and what the cost will be for the borrower...
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...captivity. Some of the differences between the two environments are the whales behavior, how they eat, and their dorsal fins. Killer whales are amazing creatures that can live up to 29 years. What exactly determines how long they live? The main factor is usually if they are kept in captivity or in the wild. In the wild, killer whales’ swim up to 100 miles a day. They socialize with other members of their pod and usually have close ties with their families. Most whales are very playful and rely mainly on their hearing. In the wild, whales spend close to 90% of their time under the water. Whales eat various types of fish throughout the day. This animal is around hundreds of different species of marine life throughout a single day. Whales dorsal fins, in the wild, usually stick straight up....
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...The most influential person in my life has often stated that “taking risks and overcoming obstacles promotes important discoveries in your life and work.” The most important experience in my life sought me out. It happened to me; I didn’t cause it. However, I am so grateful for that experience because it has changed me in a magnificent way. I have discovered many things about myself as well as others that have benefited my maturity. As I sat at the dining room table one Tuesday night awaiting dinner, I felt as though my world was starting to crash down around me. School, work, friends, and just life in general were stressing me out, not to mention thoughts of the future. I was suddenly faced with the most devastating news of my life; or so I thought. My mother has always been my most adamant supporter but as she sat there, telling me that I would have to pay for my college tuition, I couldn’t help but feel nothing less of hatred for her. The lack of my parents’ financial support has motivated me to prove that I can and will achieve my dreams. As a result of this experience, I am currently in school while holding two jobs at the same time which takes a great deal of responsibility and a considerable amount of time. Working two jobs and staying in school is not exactly what I call fun. However, it is worth the trouble knowing that I get a lesson about responsibility out of it. All this hard work has taught me how to be responsible. I can use this example now and put it into use...
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...How would you describe yourself as a human being? I’m honest, responsible, and dedicated. What are the reasons for your interests? Analyze your childhood. How were your interests shaped from your upbringing? I was growing up spending most of time in my mother’s small clinic. Mother alone diagnost symptoms and prescribe medication for the patient. when I was finally older enough to help mother in her clinic, she was thrilled to have me as a little helper. I’ve witness a lot of pain and suffer. I’ve seen the terminal cancer patient lying there in pain, begging to die. I’ve heard the scream of women give birth to a child. I’ve seen mothers crying hysterically because her child is severely injured. I have always wished that I could help them. My father had type 1 diabetic. He was my long term patient until I came to US in 1999. Mother taught me how to give insulin injection to my father. And monitoring father’s diet. Father past away 2004. Please tell us about your career goals and any plans you may have for graduate study. I wish to become a pharmacist specialized in diabetic. Most common type 2 diabetic is a chronic disease that can be cure with cautiously monitoring and adjusting diet plus exercise. Who was the most influential person in your life? How did this person make you want to become better? That is certainly my mother. I admired her; she’s a hard working woman with a kindest heart. Mother works more than 10 hours day, 7 days a week. she...
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...康复治疗的运动学基础 江钟立 2008年 运动学是研究人体活动的科学，所涉及的基础内容主要包括生物力学和生理学。生物力学是应用力学的原理来分析人体运动规律的科学，运动生理学则是研究运动中人体主要系统和脏器功能生理效应规律的科学，两者均是康复治疗学的重要理论基础。正确认识各运动器官的力学特性及其在运动中的相互作用和生理功能，对创伤和疾病的预防、治疗和康复都极为重要。 一、运动力学基础 （一）人体生物力学的概念 1、人体力的种类 力学是研究物体间相互作用的力与物体发生位移（运动）之间关系的物理学分支。自然界常见的力有重力、引力、压力等，这些力作用于物体使之发生位置或状态的改变，物体之间发生位置变化的过程称之为运动。与人体运动有关的力主要有内力和外力两种。 （1）内力 是指人体内部各种组织器官相互作用的力。其中最重要的首先是肌肉收缩所产生的主动拉力，是维持人体姿势和产生运动的动力；其次是各种组织器官的被动阻力，包括肌肉、骨、软骨、关节囊、韧带、筋膜等受压力或拉力作用时对抗变形的阻力，躯体的惯性力和内脏器官间的摩擦力及其固定装置(如腹膜、肠系膜、大血管等)的阻力等。 （2）外力 是指外界环境作用于人体的力，包括重力、器械的阻力、支撑反作用力、摩擦力及流体作用力。各种外力经常被利用来作为运动训练的负荷，这种负荷要求肢体运动的方向和力量与之相适应，因而选择投入工作的肌群及其收缩强度，这是肌力训练的方法学理论基础。 2、人体杠杆 人的躯体运动遵循杠杆原理，各种复杂动作都可分解为一系列的杠杆运动。杠杆包括支点、力点和阻力点。支点到力点的垂直距离为力臂，支点到阻力点的垂直距离为阻力臂。根据杠杆上三个点的不同位置关系，可将杠杆分成三类： （1）第1类杠杆（平衡杠杆） 其支点位于力点与阻力点之间。如头颅与脊柱的连结，支点位于寰枕关节的额状轴上，力点(如斜方肌、肩胛提肌、头夹肌等的作用点)在支点的后方，阻力点(头的重心)位于支点的前方。主要作用是传递动力和保持平衡，支点靠近力点时有增大速度和幅度的作用，支点靠近阻力点时有省力的作用。 （2）第2类杠杆（省力杠杆） 其阻力点位于力点和支点的之间。如站立位提踵时，以跖趾关节为支点，小腿三头肌以粗大的跟腱附着于跟骨上的止点为力点，人体重力通过距骨体形成阻力点，在跗骨与跖骨构成的杠杆中位于支点和力点之间。这类杠杆力臂始终大于阻力臂，可用较小的力来克服较大的阻力，有利于作功。 （3）第3类杠杆（速度杠杆） 其力点位于阻力点和支点的之间。如肱二头肌屈起前臂的动作，支点在肘关节中心，力点(肱二头肌在桡骨粗隆上的止点)在支点和阻力点(手及所持重物的重心)的中间。此类杠杆因为力臂始终小于阻力臂，力必须大于阻力才能引起运动，不省力，但可以获得较大的运动速度。人体活动大部分是速度杠杆。 （二）运动平面和运动轴 记述人体运动通常采用基本姿势位，将人体运动的方向用三个相互垂直的平面和轴来表示。 1、基本姿势位 （1）基本姿势位 是人体运动的始发姿势。身体直立，面向前，双目平视，双足并立，足尖向前，双手下垂于身体两侧，掌心贴于体侧。 （2）解剖学体位 是阐述人体各部位结构位置关系时采用的体位。身体直立，双眼向前平视，两脚跟靠拢，足尖向前，两上肢垂于躯干两侧，手掌向前。 2、基本运动平面 人体可分为三个基本运动平面，即矢状面、额状面和水平面，相互间呈垂直状。矢状面是...
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...paper is about the Whaling Debate on whether countries should be allowed to continue to hunt whales or should we leave them protected and my beliefs on the subject. This debate has also focused on issues of sustainability and conservation as well as ownership and national sovereignty. Some of the issues included in these debates is the question of cetacean intelligence this refers to the Cetacea order of mammals, which includes whales, porpoises, and dolphins; and the level of suffering which the animals undergo when caught and killed (The Whale Debate: Whale Wars, 2014). Another hot topic in the debate right now is the right to kill a certain amount of whales for scientific research, Japan kills 1000 minke whales a year and about 100 endangered fin and humpback whales. Whales are mammals the same as we are and they are intelligent and have feelings such as pain and a sense of loss. Before I get into my opinion I will list the pros and cons of this particular activity. There are a few of each so I will start with the reasons for whaling, many indigenous people, such as the Inuit’s of Alaska, rely on whales for food and other materials to survive in such harsh environments and they are...
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...spaces, and families being torn apart. However, zoos and aquariums say education is provided along with helping endangered animals. One reason animal captivity should be banned is animals suffer both mentally and physically. The different environment causes issues for example, orcas and dolphins use echolocation; but, the tank causes the reverberations to bounce off and hit the cetacean which results in frustration and mental issues (“Aquariums and Marine Parks”). Cetaceans who are in a tank are restricted, not being able to perform their normal tasks will get frustrated. Physical issues can occur for example, orcas will experience a collapsed dorsal fin which is very rare for a wild orca. Collapsed dorsal fins occur from the gravity pulling on the fin where the water is too shallow because there is not proper support for the fin (“Aquariums and Marine Parks”). A reason they suffer psychologically is they are not allowed to have social bonds. Naturally, the cetaceans will live in pods. Since they are naturally social creatures, if one animal in the tank dies the other has to be transferred because if they are isolated from other animals they will suffer mentally. Behavioral patterns known as “zoochosis” will occur which have signs like bar-biting, circling, repetitive head swaying, aggression, and self-mutilation. If behavioral patterns are being repeated the animals’ needs are not being met (“Wild Animals in Entertainment”). In conclusion, both physical and mental issues are...
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...But in reality the whales that are captured for this company are very capable of living with their pods in the ocean, once they enter the tanks is when mental and physical problems start to occur. Less than 1% of wild orcas have a collapsed dorsal fin, and all the males and about 50% of females in captivity have collapsed dorsal fins. Orcas in captivity do not have enough space to swim around which can cause their fins to fall and they are fed an unhealthy diet of dead thawed fish. The chlorine amount in the pool also hurts their skin and the trainers have seen mucus come from the orcas’ eyes. Trainers have also reportedly had problems with the chlorine levels in the pool. According to a trainer, he was directed to not open his eyes for at least 7 days or he would risk going permanently blind. Being transferred from the ocean to the chlorine filled pool, the orcas have a hard time adjusting to a drastic change like this because their skin and eyes are so sensitive. People can also say it is a good learning experience to see these beautiful creatures up close. In reality...
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...FIN 100 PRINCIPLES OF FINANCE COMPLETE COURSE NEW To purchase this visit following link: http://www.activitymode.com/product/fin-100-principles-of-finance-complete-course-new/ Contact us at: SUPPORT@ACTIVITYMODE.COM FIN 100 PRINCIPLES OF FINANCE COMPLETE COURSE NEW FIN 100 Principles Of Finance Complete Course New FIN 100 WK 4 Assignment 1 – Complexities of the U.S. Financials FIN 100 WK 8 Assignment 2 – Business Financing and the Capital Structure Fin 100 assignment 1 Fin 100 Assignment 2 FIN 100 HW Assignment 3 FIN 100 HW Assignment 4 FIN 100 HW Assignment 5 FIN 100 HW Assignment 6 FIN 100 HW Assignment 7 FIN 100 HW Assignment 8 FIN 100 Homework Assisgnment Week One FIN 100 Week 3 homework Homework Week 5 Homework Week 7 FIN 100 Week 3 – Lab Assignment 3 – Chapters 5 and 6 FIN 100 Week 5 – Lab Assignment 4 – Chapters 9 and 10 FIN 100 Week 6 – Lab Assignment 5 – Chapters 11 and 12 FIN 100 Week 7 – Lab Assignment 6 – Chapters 13 and 14 Week 8 DQ Week 9 DQs FIN 100 QUIZ 1 FIN 100 QUIZ 2 CHAPTER 1,4,5 FIN 100 QUIZ 3 CHAPTER 6,7,8,10 FIN 100 Quiz 4 FIN 100 Week 3 – Quiz 2 Chapters 3, 4, and 5 FIN 100 Week 5 – Quiz 3 Chapters 7 and 8 FIN 100 WEEK 9 QUIZ 6 FIN 100 Week 10 – Quiz 7 – Chapters 17 and 18 FIN 100 Quiz 5 FIN 100 Quiz 6 FIN 100 Quiz 7 FIN 100 Quiz 8 Activity mode aims to provide quality study notes and tutorials to the students of FIN 100 Principles Of Finance Complete Course New in order to ace their studies. FIN 100 PRINCIPLES...
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...Introduction Since the indefinite commercial whaling moratorium was introduced in 1986, the whaling nations have killed around 15,000 whales between them. At the time of writing, the Japanese whaling fleet has just returned from Antarctic waters where a further 300 or so minke whales have been killed for so called ‘research’, in open defiance of world public opinion and the IWC which has never validated the Japanese programme. The meat from those dead whales will end up on sale in Japanese restaurants and on supermarket shelves. Japan is not only defying the global moratorium on commercial whaling, it is killing whales in a sanctuary agreed by the IWC in 1994. Japan has ‘recruited’ many countries to the IWC to support the resumption of commercial whaling using foreign aid packages. If the ban is lost it will be a disaster for whale conservation efforts. This report presents the many reasons why the ban on commercial whaling must be maintained and properly enforced. We cannot wipe away the tragic history of commercial whaling, but we can, and must, prevent its repetition. The Natural History of Whales Whales belong to the order of mammals known as Cetacea. There are about 80 species of cetaceans, including all the dolphins and porpoises, as well as the ten so-called ‘great’ whale species, which have borne the brunt of commercial whaling. Cetaceans are believed to have evolved from land mammals, which adapted to an aquatic existence about 50 million years ago. They are superbly...
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...Japan's whaling fleet was headed home from the southern ocean after ending its annual Antarctic hunt with only a third of its expected catch, news reports from Japan said Friday. The hunt ended three days ago with a catch of 266 minke whales and one fin whale, officials from Japan's Fisheries Agency said, according to one report from Australia's ABC news online. The Sea Shephed Society, which sent a fleet of vessels to the southern ocean to block the hunt, proclaimed victory on its website. "Operation Divine Wind is over! The Japanese whalers are going home!" the Sea Shepherd headline read. "There are hundreds of whales swimming free in the Southern Ocean Whale Sanctuary that would now be dead if we had not been down there for the last three months. That makes us very happy indeed," Sea Shepherd's Paul Watson is quoted as saying on the organization's website. News of the Japanese whaling fleet's withdrawal comes four days after the Institute of Cetacean Research, which oversees the Japanese whaling program, reported a confrontation between the Japanese ships and Sea Shepherd's ship Bob Barker. The Bob Barker fired more than 40 flares and aimed a "high-powered" laser beam at the Japanese ships for more than 50 minutes, the institute said in a news release. Watson said that with the high-seas showdown, "the whaling season was effectively over for the season." Japan hunts whales every year despite a worldwide moratorium on whaling, utilizing a loophole in the law that allows...
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...MEMORANDUM TO: Senior Accounting FROM: Staff Accountant DATE: June 29, 2015 SUBJECT: Shared-Based Payment Reporting and Special Purpose Entities (SPE) CC: Team members ______________________________________________________________________________ As an Accounting Firm it is very important that we follow the most recently changed or amended regulations and standards set by the Financial Accounting Standards Board (FASB). As of 2009 the Financial Accounting Standards Board (FASB) has made amendments to Shared-Based Payment Reporting and Special Purpose Entities. The amendments made were to Statements No. 123 and 95 which covers the Share-Based Payments and Statements No. 123 and 95; the FASB. Also revised, Statements No. 166 and 167 which pertains to Special Purpose Entities (SPE). Share-Based Payment Reporting In the process of an audit, it is important to review the accounting process in terms of how share-based payment is reported to Sensure the entity processes are in line with Generally Accepted Accounting Policies (GAAP). Share-based payment is a complex area to both report on and audit as almost every transaction is unique and referencing IFRS No.2 for the purpose of the audit is not always clearly defined. Defined, share-based payment is an arrangement in which an entity purchases goods or services in exchange for issuance of the entity’s equity instruments or cash payments based on the fair value of those equity instruments. IFRS No.2 has two defined...
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...An Influential Person Maneashia Lane English 121 Adam Deutsch February 09, 2015 Introduction Today I would like to introduce you to the most influential person in my life. Her name is Carla Simmons. She is my 41 year sister from Talladega, Al. According to her, growing up she never had a plan or a blueprint for her life. As a result, she never completed anything she started. Consequently, she accomplished her goals later in life. In 2005 she received her Real Estate license. It was a struggle because she was a single mother of two and worked a full-time job. She worked from 6 A.M-4:30 P.M. She went straight to class after work and didn’t get home until 11 PM. She was tired but she was persistent. In 2014, she received a Bachelor degree in Organizational Management from Historical Talladega College. She is now pursuing an MBA in Organizational Management. She knows when to be serious and when to have fun. She surrounds herself with positive people, makes time for herself, does things she enjoys doing, and she constantly thinks about being successful. She is an optimist at heart and she has a very positive outlook on life. First of all, she taught me how to surround myself with positive people because negative people gripe and complain, and have nothing good to say. And no matter how one tries to convince them, they cannot and will not accept that way of thinking. Keeping a positive attitude can be difficult if your audience is negative people, and they are constantly...
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...Name: University: Course: Tutor: Date: International Whaling Commission Introduction Just recently on May 31st 2010, Australia opened a court case against Japan in the International Court of Justice (ICJ) with regards to a dispute relating to Japan’s JARPA II program on ‘Scientific Whaling’. The case was dubbed the ‘JARPA II Case’ and was primarily based on a dispute between Australia and Japan over interpretation of the 1946 International Convention of Whaling (ICRW). JARPA refers to Japan’s Research Program under Special Permit in the Antarctic to carry out research in the marines. The first was introduced in 1987 in the Southern Ocean Whaling Season of 1987-1988. JARPA II was to commence some 18years later from and it started in 2005. During that period of 1987 through 2005, Japan had apparently ignored the Moratorium sanctioned by IWC against Whaling and it is consequently some six thousand eight hundred minke whales were taken under JARPA. That led to a longtime dispute between whaling states and anti-whaling states over limited whaling v no whaling at all. Among the cases is the one between Australia and Japan of 2010. This article will look into the case between Japan and Australia in a bid to answering the following questions; one, how is the International Whaling Commission policy determined and influenced, secondly, what is the role of scientific advice in policy making, thirdly, what are the arguments for both Japan and Australia in the International Court...
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...are many endanger marine species. one species that is endangered is the blue whale. The blue whale evolved around 45 million years ago, thats 40 million years before humans (marinebio.org-Blue Whales). Blue Whales are members of the Order Cetacea family. Blue whales can live in. According to wwf.panda.org The blue whale is found mostly in cold and temperate waters, and it prefers deeper ocean waters to coastal waters. Like many other baleen whales, it feeds in cool waters at high latitudes, and generally migrates to warmer temperate and tropical waters to breed and give birth. The blue whale is considered an endangered because of its population size, they have a population of 10,000-25,000. They weigh about 200 tons and can grow to be 80-100 feet long. Blue whales are Lightly mottled blue-grey, with light grey or yellow-white undersides (Alagiyawanna 1). Blue whales also can live in all of the oceans. According to SCIcyclopedia, A female blue whale, which is larger than the male, gives birth to a calf that averages 25 feet in length and weighs about 2 tons. The calf drinks about 106 gallons of milk every day (Katona 1). A blue whale can eat up to 8,000 lbs. of krill during its consumption period. It is estimated to take 2,200 lbs. of food to fill a blue whale's stomach. Blue whales can swim normally at five miles per hour but can reach speeds over 20 miles per hour when agitated. Blue whales are one of the earth’s loudest animals they emit a series of pulses, groans and moans...
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