...State Bank Classic Debit & Shopping Card Enjoy the convenience of cashless shopping with State Bank Classic Debit & Shopping Card and earn FreedomRewardz points on your purchases. With your State Bank Classic Debit & Shopping Card you get access to your account whenever and wherever you want. You can use it to purchase goods merchant establishments and withdraw cash in India. Use of State Bank Classic Debit & Shopping Card: For shopping at over 5 lakh merchant outlets in India. For booking movie tickets, bill payments, travel and other online purchases and payments over the internet using secure ‘Master Secure Code’/‘Verified by Visa’. For withdrawing cash from State Bank Group ATMs or other ATMs in India. Rewards Points: FreedomRewardz State Bank Debit Card Loyalty Program State Bank Classic Debit Card earns 2.5 Freedom Points (Reward points) for every ` 100 you shop, dine out, fill fuel, book travel or spend online. These Freedom Points earned can be accumulated and redeemed for exciting gifts. Please visit www.freedomrewardz.com for more information. Daily Cash Withdrawal & Transaction Limit State Bank Classic Debit & Shopping Card particulars Minimum Daily Cash Limit at ATMs Maximum Minimum Daily Point of Sales/eCommerce Limit Maximum Domestic ` 500/` 40,000/No such limit ` 50,000/- Card Type Digit Mastro Visa 16 16 For ATM For purchasing on POS/ME PIN Based Signature on fall back PIN Based Singnature on...
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...PRINCIPLES OF FINANCE 1303 FALL SEMESTER 2014 16-WEEK SEMESTER 1. Instructor Information: Professor: Jake Costin Office: Rio Grande Campus Phone: 512.461.4151 E-mail: jcostin@austincc.edu Office Hrs: 8:40 to 9:40 (after class or by appointment) 2. Course Description: BUSG 1303 PRINCIPLES OF FINANCE (3-3-0). Personal and business financial dynamics including monetary and credit theory, cash inventory, capital management, and consumer and government finance with emphasis on the time value of money. Skills: R ( ) Course Type: W 3. Required Textbooks/Materials: “Principles of Managerial Finance” Brief 6th Edition by Lawrence J. Gitman 4. Instructional Methodology: Instruction will be based on lectures and the required reading from the required text. All tests will be given in the classroom during class times. 5. Course Rationale: The course will provide an overview of managerial finance with focus on important concepts such as: the time value of money, risk and return, interest rates, and stock and bond valuations. Additionally, consideration will be given to both long and short term investment and financial decisions. 6. Course Objectives: Understand the following: a. Financial Statement Analysis b. Cash Flow and Financial Planning c. Time Value of Money d. Risk and Return e. Interest Rates, Stock and Bond Valuations f. Capital Budgeting g. Cost of Capital ...
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...Ronald Wilson Reagan was one which he hinted to in his 1985 State of the Union Address. He affirmed to the American public and the world that “We must not break faith with those who are risking their lives--on every continent from Afghanistan to Nicaragua--to defy Soviet aggression and secure rights which have been ours from birth. Support for freedom fighters is self-defense.” (Reagan, 1985, Weekly Compilation of Presidential Documents 21, no. 6). This theme was expanded upon afterwards by then Secretary of State George Shultz, and picked up by journalists, most notably Charles Krauthammer who was first to give the Reagan Doctrine its name in his column in the April 1, 1985 issue of Time magazine. The Reagan Doctrine contended that the United States had a duty to oppose the spread of communist dictatorships and to support the freedom fighters that were part of insurgencies defying Soviet aggression. Its policies were rooted in the 1950s anti-communist doctrines long supported by Americans; however it differed in that “containment” was no longer its only goal. Under the Reagan doctrinal policy it was now permissible to support freedom fighters seeking to throw off governments in counties suffering under communist domination. The rhetorical outpouring of the Reagan Doctrine was much more universal than its actual enactment of policy. This was attributed largely to the impact on U.S. interests, and the theorized effects of intervention on the stability of the overall region. ...
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...during that year. The contributions into a traditional IRA can add up to $5,500, $6,500 if you are 50 year old and older. Traditional IRA’s growth income is tax deferred. What is great about this account is that there is no income limit, unlike the Roth IRA. Traditional IRA do have penalties if you withdraw before 59 and ½ years old of 10%. There is a lot to consider when choosing the right retirement account because there are many different characteristics. For example, the Roth IRA is an after-tax retirement account. I personally love this type of account. You pay taxes on that income now then you can decide to contribute to a Roth IRA. This retirement account has tax free growth and the only thing you need to qualify for a Roth is to have income. There are income guideline which also depend on how you contribute. With a partial contribution or a full contribution. For single filers in 2014 the income range is $114,000-$129,000 and Joint filers is up to $181,000-$193,000, depending on how you contribute to your Roth IRA. The contribution between both a traditional IRA and a Roth IRA is $5,500 or $6,500 for 50 and above. A Roth IRA distribution is only subject to penalty when you withdraw growth income. Contributions in a Roth IRA can be withdrawn and is commonly used as an emergency account for low-middle class who struggle to balance an emergency account and a retirement account. The Traditional and...
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...international treaty that drafted by the Council of Europe to promote human rights and fundamental freedom in Europe. The aimed of Council of Europe is to achieve a unity among its member and believed that one of the way to persuade this goal is the maintenance and the further realization of Human Rights and Fundamental Freedom through this convention. The convention is inspired by the Universal Declaration of Human Rights in 1948 that was proclaimed by General Assembly of United Nation. The resulting is The European Convention on Human Rights (ECHR) signed on Rome on 4th November 1950. The implementation of this convention came to force three years later in 1953 and three subsequent institutions were entrusted with safeguarding its workings: The European Commission of Human Rights (1954) The European Court of Human Rights (1959) The Committee of Ministers of the Council of Europe(1). In the European Convention of Human Rights, there are 17 key articles relating to rights and freedoms in the convention outlined in section 1 Article 2-18, which include: • Right to life • Prohibition of torture or inhuman and degrading treatment or punishment • Prohibition of slavery and forced labour • Right to liberty and security • Right to a fair trial • No punishment without law • Right to respect for family and private life • Freedom of thought, conscience and religion • Freedom of expression • Freedom of assembly and association • Right to marry • Right to an effective remedy • Prohibition...
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...Case: Google withdraws from China John Herkins For years, China’s government has been oppressing the freedom of speech to all of its citizens and reporters. Since the introduction of the internet and the service that it holds, China’s government created its own internet which many analysts say has been intended to control what their citizens can read. Many reporters who have investigated on China’s government and police corruption, propaganda, and censorship are barred out of the country and not let in. Those who have successfully entered the country and get caught investigating sometimes end up in the Black Jail, where they are detained without trial, and forced to leave the country. Google is a huge face of freedom of speech and the providing free information without censorship. A few years ago, congress tried putting through the SOPA (Stop Online Piracy Act) which created an out lash towards the American Government and an American’s citizen’s right for a free web. Many websites such as Google took part in an internet blackout that informed those of what was going on and how SOPA violates freedom of speech. Google’s China’s domain Google.cn is now redirected to its new website Google.hk. Google is no longer censoring information from the Chinese citizens because of their belief in a free web. The fact that they are standing for what they believe in and taking action in doing so shows their commitment to the cause. China is a large market in which the Google Company...
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...angry and frustrated, instead of taking the frustration else where it was already lead on. 4. (P) The word Gestapo is being identified as a word much more than an actual person, defining what is acceptable and what is not. 5. Cussing make one better by growing up with the idea of the cussing instead of “soap licking” witch was mentioned in the text. You have to be a certain legal age to be engaged in “cuss time”. 6. (T) No, cussing is not the only way we can express individuality, by limiting or denying freedom of speech and expression people take away a lot of potential of what they do have. 7. (B) The family’s feelings described in the last sentence was just very blunt and realistic about the situation, expressing your feelings in a fiction novel calls for using your freedom and using it wisely. 8. (H) It adds to the understatement of freedom because why be embarrassed, because having freedom is not being scared to hold back or withdraw information that’s suitable to be put to use. 9. (K) When you have so many ways about going with your words and actions, it leads to many options and sometimes we are overwhelmed by it all. 10. (D) The impact of the boys statement was angry, and frustration occurred but she didn’t come off in that...
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...With this faith, we will be able to work together, to pray together, to struggle together, to go to jail together, to stand up for freedom together, knowing that we will be free one day ('I have a dream', New African, 2004, par. 7). He wrote a very powerful speech, but this passage is one of my favorites. I like how he talks about how one day we all can share this great nation as one. He talked about how one day his children will be equals, and how no one will be set apart. His ideas and his dream was shared in a time that was really struggling. I wish I could have seen and heard his speech. I have watched it on television, but I bet it was more powerful in person. If I understand the question “Which is the in-group…,” then I would have to say that at the time, the “in-group” would have been the “whites.” At the time of Martin Luther King Jr’s speech, whites were feeling that they were above the blacks. Whites felt that the blacks were inferior, uneducated, non-deserving of respect, and they did not belong here. On April 12, 1963, King was arrested for violating the Alabama law, which prohibited mass public gatherings. On the day of his arrest, eight Birmingham clergymen wrote a criticism of his campaign, which was published in the Birmingham News on April 13, 1963, and the headline read, “White Clergymen Urge Local Negroes to Withdraw from Demonstrations.” These clergymen claimed that King’s...
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...The Salem witch trials are notoriously known for the killings of innocent inhabitants of Salem. Some say the cause of their deaths could be traced back to Salem’s strict social order. The structure of 1600’s Salem was very religion-based as it was woven into everyday life. The government was a theocracy, the priests were highly respected, and anyone who went against the government was considered evil. Arthur Miller’s The Crucible unveils the realistic effect of social order on one’s personal freedom. Because religion was so vital in 1600’s Salem’s social order, the inhabitants suffered from a lack of personal freedom. The structure of the Puritan society in colonial Massachusetts served an important role in the setting of The Crucible. The...
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...1.0 Introduction Although the procedure for obtaining union recognition is lengthy, the law recognises the rights of most workers to form and join the trade unions. The 1959 Trade Unions Act and the 1967 Industrial Relations Act (IRA), as well as other amendments place extensive restrictions on freedom on association. The ILO committee of freedom of association (CFA) has found that many provisions of the Trade Unions Act violates the principles of freedom of association, and no such actions has been taken in order to amend these laws. Some other laws, not directly related to labour issues also place restrictions on freedom on association. For example, The Malaysian Penal code requires police permission for public gatherings of more than five people. 1.1 Restrictions on Union Formation, and de-registration of unions : The Director General of Trade unions (DGTU) has the power to supervise and inspect trade unions, and can refuse to register a trade union, without giving any valid reason for the refusal. The director general also has the power to withdraw any unions which do not register, or whose registration has been denied or withdrawn or are considered as illegal organizations. The Minister of Human Resources may also suspend a trade union for up to six months in the interests of national security or public order. 1.2 Banned from organising: The industrial unions are prohibited from organising employees in managerial and executive positions, or those involved...
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...countries, and consumers everywhere. Another reason why Anarchists feel this way is that they believe the state removes freedom. They think the state subjects us to laws and controls that are artificial, offending the basic principle of individual sovereignty. Like liberals, the anarchists see an incompatibility between the power of the state and the freedom of the individual. Furthermore, the liberal Lord Acton summed up their view when he famously declared, ‘Power corrupts and absolute power corrupts absolutely’. Thirdly, Anarchists again think this way about the state as they believe it is corrupting. In common with many liberals, anarchists believe that the act of governing is in itself corrupting. Those who come into government may do so with good motives, but inevitably lose their idealism and become exploiters themselves. This view is supported by Mikhail Bukunin, who in 1870 claimed the best of men who take a position of commanding will inevitably be corrupted and they can never fail to produce ‘contempt for the masses, and for the man in power, an exaggerated sense of his own worth’. Finally, Anarchists particularly believe the state is unnecessary as the state itself is unnatural and an artificial form of society. The Anarchist view is either that humankind should be free to from voluntary, natural communities or that the individual should be free to withdraw...
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...From 1774 to 1783, American colonists worked to gain independence from British rule. Through a series of events the British dug a hole that they could not sway the majority of colonists from relinquishing ties with them. Before any of the colonists even came to the America’s they had acquired a national government and had a plan of governing themselves. Because both sides were stubborn and felt in the right, there would be no compromise between the colonists and Britain. “Even before America had declared itself a nation, it had acquired a national government” (The American Journey, Page 145). The colonists who came to America wanted to gain freedom from England and other countries. We already learned that many colonists came here for religious freedom or wanted to seek a more fruitful life that would yield money for better living conditions. Unfortunately,...
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...it would simply easier affair. Professor Burrows very firmly set his argument, I think we should understand the importance of legislation and regulations are to understand our judges and the Supreme Court. Which change are so dramatic only by the Legislation. The motivation for the 1996 Practice Statement in which Lordships could depart from earlier decisions, it was the release of judges from bad precedent. This helps because bad decision will not be repeated in the next issues. Young V Bristol Aeroplane. In my opinion, such an exemption judges of freedom can really complicate, because during the conflict occurring in a lawsuit between the need for certainty and the need to change is the prevention any danger. Willmott v Atack 1977] QB 498. But certainty not...
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...Wall Street article reports on the ethical issue of freedom of speech and human rights violation in China and Google’s dilemma. Companies deal with ethical conflicts with China daily. Google Inc.’s struggled with ethical implications for doing business with China. The paper addresses the ethical problems that companies like Google, Inc. encountered that caused their decision to withdraw from China. The paper will show how Vietnam covered up corruption, freedom of speech, transparency, and supply chain ethical issues. Big companies continue to draw criticism for accommodating governments and compromise their ethical or moral standards. Companies have an enormous opportunity in China to make a bigger profit by doing business in China. The organization cannot assume that Chinese do business the same way Americans do. To do business in China a company has to follow government directives. Chinese want to do business with people they trust. Terms on contracts will not mean the same thing to them as they do to Americans. Chinese businesses do not feel they are bound to contracts. In America a company competes with 100’s of business but in China, you are competing with globally. Google Inc’s announce in Beijing their decision to withdraw from China after ethical implications of hacking into the privacy of Google’s users. Google had to limit the excess of information on the search engine in China. China does not hold to the same freedom of speech American do. Free speech advocates criticized...
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...Introduction In Malaysia, Employee Provident Fund (EPF) is known as Kumpulan Wang Simpanan Pekerja (KWSP). In brief, EPF is a mandatory savings scheme for every employee from Private and Non-Pensionable Public Sector in Malaysia. 11% of the employees’ monthly gross income would be contributed to the EPF. In addition, the employer would contribute certain percentage to the employees’ EPF accounts. For wages of RM 5,000 and below, the employer would contribute 13% of the wages to the employees’ EPF account, whereas for those wages exceeding RM 5,000, the employer’s contribution would be only 12%. The contribution would then be invested in a number of approved financial instruments such as Malaysian Government Securities, Money Market Instruments, Loans & Bonds, Equity and Property to generate income. The EPF ensure us to have a secure savings and reasonable dividends. A minimum dividend of 2.5% is guaranteed annually. The actual dividend rate declared would be varied according to the investment return made in approved financial instruments as stated. The annual dividends are calculated based on the opening balance in the EPF account as at 1 January of each year, while the monthly dividends would be credited into the EPF account based on the monthly contributions received. It could be observed that enormous amount of the old folks are currently working as taxi drivers, cleaners or even security guards, even after their retirement ages. That is probably because they have spent...
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