...PAGE 1 OF 2 $528.64 $16.07 12/12/2012 Late payment warning: If we do not receive your minimum payment by 12/12/2012 you may have to pay up to a $35.00 late fee and your APR may be increased up to the Penalty APR of 29.99%. New balance $528.64 0.00 $500.00 $0.00 11/16/2012 30 Minimum payment warning: Even if you make no more charges Past due amount Credit limit Available credit Statement closing date Days in billing cycle using this card, if you make only the minimum payment each month we estimate you will never pay off the balance shown on this statement because your payment will be less than the interest charged each month. If you make more than the minimum payment each period, you will pay less in interest and pay off your balance sooner. For example if you instead paid $21 per month, you would pay off the balance shown on this statement in around 3 years. For information regarding credit counseling services, call 1-800-284-1706. Your Rewards Program $1 = 1 point Earn 1 point for every dollar you spend on your Elder-Beerman Your Rewards card when you shop in store and online. Your Rewards Totals *Previous points earned: 457 Plus points earned: 67 Plus bonus points earned: 375 Plus points used for reward: 500 New points balance: 399 *See Reverse 500 points = 1 All-Day Shopping Pass for up to 20% off our top brands, plus 15% off cosmetics and fragrance. Details of your transactions TRANS DATE 10/28/2012 10/28/2012 10/28/2012 11/05/2012...
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...Vs Veronica…………………12 6.2 INFIDELITY OF KIKUYU WOMEN………………………………………….…13 6.3 LET ALL NO TO WIFE INHERITANCE ……………………………………..……13 7.0 CONCLUTION………………………………………………………………………………13- 14 8.0 REFERENCES………………………………………………………15 THESIS STATEMENT Having being brought up in central Kenya in kikuyu land by my grandmother, my cousin Wanja always wanted to have a traditional Kenyan wedding for my grandmother had made her believe that it was the most precious moment in a woman’s life. She counted herself lucky to have gotten her suitor immediately after her A-level examination. As she narrate the story of how the process was l got interested of wanting to know more and if the same practices are practiced in today’s era or modernization has eroded our kikuyu...
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...Tam Bui Research and Writing Mary Beth Hoag 4/26/2014 Rising cost of college education People who possess a degree have a better chance of finding successful careers. However, a college education has been getting increasingly more difficult by the sky-rocketing costs of college tuition. The authors of “Administrative costs in higher education: how fast are they really growing?” state that: “The College Board says the average tuition and fees at public four-year colleges and universities increased by 27 percent beyond the rate of inflation over the five years from the 2008-09 academic year to 2013-14. After adjusting for inflation, the cost of tuition more than tripled between 1973 and 2013” (Hedrick et al 124). The tuition cost now becomes a cause of considerable public concern because it is very high compared to how the economy has been and how wages and financial aid have not risen with the cost of tuition. With the cost of college rising, many have asked a question: Is a college education worth the cost? Anyway, it cannot be denied that a college education always remains an important investment for the future. Tuition is usually the first thing that comes to mind when planning for higher education. It is the largest portion of the bill when attending a college or university. Tuition is a term that refers to tuition, fees, and room and board charges per student. According to Robert Martin, the author...
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...summary 3 D technical service project, use the new technical to design your own MTV with your own photos. People’s life is only a few decades. We are just performance as a passenger to the world. Make our life meaningful and deserve, we need to save something to our future generations. This is a New-to-the-world product (service).This new 3 D technical service is an evaluation to the media market; it will help the consumers choose a better (at least I think so) way to keep their memories with more vivid and more realistic solution. Part 2 product idea This new type of 3 D technical service is a new product idea: 1) Save the necessary information from customer, select the suitable resources to write a story about the customer. (follow customer’s requirement) 2) Design a basic model with background and music (follow customer’s requirement) 3) Put the photos which customer wish to add into the MTV movie, transfer the photos to be a real animation. 4) Arrange the photos and complete the MTV movie with the new 3 D technical. 5) Save the customer’s own MTV movie with flash drive or CD. State the value proposition or a positioning statement We all have responsibility to our elder generations, especially to our parents. Young people must take care of the elder generations. In Asian countries, like China, Japan, Korea and others, Filial piety is the most important social responsibility that request the younger generations to follow. This requirement will influence...
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...August, 2011 What is the most critical problem that the Korean society faces today? Certainly, there are issues such as the North-South relationship, the nuclear leak in Japan, and the overabundant rainfall. However, one of the most widely discussed topics in the modern Korean society is the decreasing birth rate and the increasing percentage of the older age groups. This phenomenon of the older age groups taking a bigger portion of the overall population is called the “aging society.” This occurrence has become one of the great challenges for which the Korean government has yet to find the appropriate solutions. This specific phenomenon, although it may seem very trivial at first, can cause various abnormalities and disadvantages to our society. To further explain the situation, the average birth rate in 2006 was around 1.16 births per woman aged 15 to 49, and it continues to decrease. The low birth rate could result in a decrease of the younger population, and such decrease was identified in the article by the Hankyoreh Media Company (“Korea expected to become ‘aged society’ in 2013,” 2006). With the boomer generation reaching the older generation and the life expectancy increasing, the problem only deepens. Such a drastic increase in the proportion of older age groups potentially causes several hardships in the society. Because the older age groups are almost entirely dependent on government funding for pensions and other expenses, the government expenditure increases...
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...Product Objectives 4 Market-Product Grid 5 Target Markets 6 Points of Difference 6 Positioning 6 5. Marketing Program 7 Product Strategy 7 Price Strategy 7 Promotion Strategy 8 Place Strategy 8 6. Financial Projections 9 Break-even Analysis 9 7. Organization 9 8. Implementation Plan 9 9. Evaluation and Control 10 Possible Deviations 10 Possible Solutions 10 10. Bibliography Appendices Appendix A: Cynosure Discounts 11 Appendix B: Cynosure Flyer 13 * Refrence……………………………………………………………………………….14 * Appendix C: Bagels by the Bay Coupon 14 * Appendix D: Bagels by the Bay Survey 15 1. Background Cynosure is an international company created to bring a brighter future to students and to enhance memory for all. This company was Created by Sepideh Bayani, after she heard there are so many memory losses in the world; she never knew so many people were going through it. This microchip was created to help those who are having trouble remember their loved ones or having problems memorizing names, or faces. This is also a very useful tool for students all over the world; it give you the capability of opening nerves in your brain that were never opened widing the brains capacity. We have expanded our company to all seven continents, we have over eight hospitals open in Europe and we just opened 3 in Africa...
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...Senior living Care Facility 1.Executive Summary Odin is a organization in providing senior living solutions. We do this through our unique set of abilities to meet the changing needs of Chinese aging population, and through our culture of service and caring. Odin’s offerings for Chinese senior population falls into three main categories with increasing levels of care – independent living, assisted living, and memory care (include Alzheimer’s care and Dementia care).We offer the industry’s only seamlessly coordinated ancillary services platform, which includes therapy, skilled nursing and hospice services. Odin is a local company, but we serve people internationally. We are situated at a primitive lowland in the continuous mountains which are part of a 5A domestic scenery spot. The Facility on completion will consist of: 100 independent living units 120 standard assisted living units 128 specialized memory care assisted living units The Facility will combine health care services and housing serving all individuals who are in need of our services. The assisted living will offer housing with services such as 3 meals per day in a central dining room, weekly housekeeping and linen service in each unit, emergency nursing care and emergency call system monitored 24-hours a day, scheduled exercise and fitness classes, daily activities program, and social services. Concierge service will be available to make reservations and appointments, arrange transportation, etc. Residents will be...
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...Kannada Class – Session I Handout KANNADA WORD ENGLISH WORD SIMPLE SENTENCE Naanu Me / I am Naanu software engineer. (I am a software engineer) Neenu You Neenu student. (You are a student) Namma Ours Namma desha Bharata. (Our country is Bharata). Nimma Yours Nimma ooru ABC. (Your home town is ABC) Yaaru Who Teacher yaaru? (Who is the teacher?) Yaavaga When Class yaavaga? (When is the class?) Yelli Where Ramu yelli? (Where is Ramu?) Avaru He / She (with respect). Also they / those people Avaru teacher. (He / She is a teacher) Ivaru He / She. This person / these people Ivaru students. (These people are students) Ooru Place / hometown Nanna ooru ABC. (My place is ABC) Hesaru Name Nanna hesaru XYZ. (My name is XYZ) Gottu Know Nanage English gottu. (I know English) Gottilla Don’t know Nanage C++ gottilla. (I don’t know C++) Ishta Like Nanage tea ishta. (I like tea.) Baagilu Door Idu baagilu. (This is the door). Kitaki Window Adu kitaki. (That is the window) Kurchi Chair Idu kurchi. (This is chair) Meju Table Adu meju. (This is table) Mane House Idu namma mane. (This is my house) Baa Come Neenu illi baa. (You come here) Banni Come (with respect) Neevu illi banni. (You come here) Hege How Neenu illige hege bande? (How did you come here?) Kannada Class – Session 2 Handout With Respect or Plural (wrp) KANNADA WORD ENGLISH WORD SIMPLE SENTENCE Idu This / It Idu pustaka. (This is book) Idu nanna pennu. (It is my pen) Adu That...
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...Audit Program Design Part II ACC/546 May 2, 2011 Audit Program Design Part II The audit of Apollo Shoes, Inc. requires a design of steps to develop audit objectives to plan the audit. The financial statements are divided into cycles to better manage the audit and disperse to staff within the firm. The following cycle’s sales and collection, payroll and personnel and acquisition and payment were developed to design test of controls, substantive tests of transactions and analytical procedures. Anderson, Olds, and Watershed, LLP will be designing test of controls, substantive tests of transactions and analytical procedures for Apollo. This will allow our firm to better understand the internal controls within their company along with making sure the company is in compliance with the requirements of the Sarbanes-Oxley Act of 2002 and generally accepted accounting principles. Sales & Collection cycle Sales and collections audits test financial information relating to the sales of goods and services to consumers and the payment collection for these sales. In Apollo shoes audit AOW will involve the decisions and processes necessary for the transfer of the ownership of goods and services to customers after they are made available for sale; it begins with a request by a customer and ends with the conversion of material on service into an account receivable and ultimately into cash. There are several functions include in this cycle such as processing customer...
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...04 Rohit Kumar C 35 Rohit Nair C 36 Vinika Yadav C 53 Symbiosis Institute of Management Studies Symbiosis International University September 2014 ACKNOWLEDGEMENT We take this opportunity to express our gratitude to the people who have been instrumental in the successful completion of this project. We are extremely thankful to Professor Dr Asha Nagendra, the Guide of this project. She has guided us on this research and correcting various documents and amending them with attention and care. She has taken pain to go through the project and make necessary correction as and when needed at each and every step. We express our thanks to the Director of Symbiosis Institute of Management Studies, Pune for extending its support. We would like to show our greatest appreciation for the support extended to us by the respondents, which was vital for the success of the project. We are also thankful to all the friends, faculties and the respondents whose enthusiastic participation has helped us in our research. TABLE OF CONTENTS Sr. No | Topic | Page No. | 1 | Introduction | 1 | 2 | Literature Review | 2 | 3 | Methodology | 4 | 4 | Result and Discussions | 6 | 5 | Summary | 16 | 6 | Conclusions and Recommendations | 18 | 7 | References | 19 | 8 | Appendix | 20 | LIST OF TABLES Sr. No. | Table | Page No. | ...
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...and Moral Issues in Business What is business ethics? For owners and upper management business ethics is treating the consumer and the employees fairly. They must make sure the customer receives quality merchandise or service for a fair price and the employee receives fair pay for an honest day’s work. There is also laws concerning lunches and breaks, reasonable accommodations for lunch and break areas, and working conditions. The employees also have a responsibility to act ethically on the job. This is where their personal morals and standards show. Lying, steeling, cheating all can be temping if there are no personal morals present. Many employees do not realize that showing up late for work and lunch break is stealing hours and do not believe that they are doing anything wrong. This is relatively small in comparison to all the millions that have been stolen in various other ways, but nonetheless, it is still wrong and unethical. Such as selling defective merchandise or sloppy service. A business owner or manager with moral values could not with good conscience, let the customer walk away with a bad experience. Ethical issues and Moral issues Ethics are a result of applying moral values to our lives and our business practices. Ethical issues are dealing with doing the right thing and moral issues are dealing with people’s beliefs. If a person has good ethical and moral values, and they conduct themselves ethically, then there are no issues, it is just...
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...In 2015, the City of San Diego formally recognized and proclaimed December as Hmong Heritage Month. This year, as we gather to celebrate our past and present, and renew future hopes and dreams, we are honored to share our rich culture and heritage with the citizens of San Diego. This December, we celebrate the first annual Hmong Heritage Month in San Diego, California. The Hmong Heritage Month displays are being unveiled at two locations: The Kearny Mesa/Serra Mesa public library and the Mira Mesa public library. It showcases Hmong traditional wear, musical instruments, and traditional cloth arts with renowned arabesque needle works. I am extremely proud of the resiliency and collaboration of this community, the Hmong community. We have...
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...We all have to work and have a place to live in life. We simply have to, to earn money, have shelter over our heads, pay bills, buy food, and do day to day things. Some people just let life lead them, having no goal, doing what comes up. However, I am not like that. We may be young, but in this world we have to decide now, so we know where we are going in life. When I get a job, I want to be an architectural engineer, and live in Rome, Italy. Some would ask, “Why Rome? Why not some other place, more modern?” First off, Rome is not old fashioned, as most would thin. It may be an old city, but it is up to date, as it has to so it can survive. It may look old, but on the inside, it’s just as modern as any other city. One of the reasons I was...
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...PROMOTIONAL CAMPAIGN FOR ‘OREO’ Introduction The purpose of this project is to promote the three ‘Oreo’ products to a specific buying public and inform the prospective consumers about their existence and their advantages that would answer their nutritional needs. It focuses on a powerful advertising campaign that specifies the benefits of the products and their role in a customer’s life. This project aims to create a positive image of our products and persuade customers to switch to our brand. As the rising obesity tide continues to plague the U.S. and other states and as childhood obesity is a growing concern, the World Health Organization has compiled food-based dietary guidelines to encourage an improved quality of both diet and lifestyle. Thus, with the new health and wellness consumer trends, we have developed and introduced healthier and portion controlled snacks that are amounted with less cholesterol and fats. The world-famous Oreo brand continues to expand and fulfill new customer demands. Due to the fact that lifestyle changes towards health and nutrition are highly promoted, Oreo introduced health and nutritional products. Now, people can maintain their weight with 100 Calorie Pack Oreo, Sugar Free Oreo and Reduced Fat Oreo. 1. Product characteristics and 4)target customer 3. logo slogan The origin of the name ‘Oreo’ has a three-fold meaning. It is speculated to be a derivative of the French word, ‘or’, meaning gold, since the original...
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...In “ Unhappy Meal” by Michael Pollan he pointed out that food are not really good as we see. Today, a lot of people are confused about what are they will going to eat to be healthy. Pollan noticed that to be healthy we have to eat the product that have familiar ingredients, eat more vegetable and eat things have high quality. One of the reason that we should eat the product have the familiar ingredients because that can help us avoid the risk of food poisoning. When i went to the supermarket I saw a lot of people by thing without reading ingredients, but when i read it I saw some ingredients is not healthy for our body such as BHT ( Butylated Hydroxytoluene ) in cereal or Enriched flour in the snacks are really harmful. As you can see people...
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