...Final Project: A New House – Decision XECO 212 Week 9 7/21/11 Seffan Bune Home ownership is considered by many as the pinnacle of the American dream, a two car garage, white picket fence, and nice backyard for those projects that are somehow always nearly completed. This is what we have been told is the major leap into adulthood and makes you one of the high caliber Americans who can claim that their home is their castle, but is this still true in this country? With the financial downturn and the home foreclosures at a all time high, nearly every block I see has a home for sale at reduced price so how does this milestone still hold up to scrutiny and how can this generation still reach for that goalpost of what is considered the standard of the happy nuclear family? The decision to purchase a home is the major point in an American life and it is a decision that should not be taken lightly because if not done correctly and with a plan on how to sustain the purchase that is not solid the consequences could be dire. After taking this course I have found out that there are methods and concepts that if implemented correctly the idea of owning a home is still within grasp of many of us but there are many things that need to be weighed before pulling the trigger on such a large and momentous decision. First are the ten principles of economics which I will go into more detail later on that are crucial to making a large purchase be it a home, car, or any other large ticket item...
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...Mathematics: An Integral Discipline Mathematics is one of the most foundational and elemental principles and disciplines to any educational institution. With the basic components of all mathematical disciplines and areas of studies being equal, there appears to be an inherent, social need to master this study of a seemingly complex nature, particularly since this subject is ingrained into so many important and relevant aspects of the world economy. Without the understanding and overall comprehension of at least some basic, elementary mathematical principles, it would go without saying that countless workforce employees and job seekers would fail to find the most meager of professions. It is also an unfortunate prospect to understand that mathematical principles and the study of such major applications is no longer a popular social trend. On the other hand of the social and professional spectrum, the vast majority of college students seeking future majors are leaning towards other convenient modes of study, including those in the healthcare industry and other related sciences and studies. Now understanding how modern culture had become so predisposed to ascertaining studies unrelated to heavy mathematical analytics, despite the obvious need to otherwise acquire, it will be important to frame this expose’s subject matter around the need to further explain and analyze how different regions of scholastic establishments have come to define mathematical disciplines in completely different...
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...Running head: Learning Team Consultant Scenario Paper Learning Team Role Identification Paper University of Phoenix Interdisciplinary Capstone GEN 480 JCRSK Consultant Service JCRSK Consulting Firm is a formulation of team members of other entities with experience in Information Technology, Accounting and Management organization. The combined years of experience from the team will benefit any type of company that is in the market for a quality product whether the goal is to start a new company or change the direction and focus of an existing company. The JCRSK consulting firm will assist with a company’s short and long term objectives. The combined talents of the firm will produce immediate results for short term goals and a comprehensive evaluation to produce a long term plan will be formulated with positive results within a time frame of three to five years. As with all businesses, a company must continue to stay active in the market and educated on the latest technologies and work practices. All organizations must endeavor to grow and not become stagnant by using the same ideas and concepts for long periods. This notion is echoed by all firm members that are the reason the firm is the right fit for ones business needs. Thus technology is constantly changing and advancing; but the benefit will be to the company...
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...Architecture Comprehensive Examination Reviewer HISTORY AND THEORY OF ARCHITECTURE 1. The ornamental blocks fixed vertically at regular intervals along the lower edge of a roof to cover end tiles. a. ancones c. acroteria b. Antifixae 2. A continuous base or structure in which a colonnade is placed. a. stereobate c. stylobate b. Torus 3. The market in Greek architecture. a. Megaron c. agora b. Pylon 4. The smallest among the famous pyramids at Gizeh. a. Pyramid of Cheops c. Pyramid of Chephren b. Pyramid of Mykerinos 5. The largest outer court, open to the sky, in Egyptian temple. a. Sanctuary c. Irypaetral b. Irypostyle 6. The inner secret chamber in the mastaba which contains the statue of the deceased family member. a. Pilaster c. serdab b. Sarcophagus 7. The grandest of all Egyptian temples. a. Palace of Sargon c. Great temple of Ammon, Karnak b. Great temple of Abu-Simbel 8. The principal interior decoration of early Christian churches. a. stained glass c. painting b. mosaic 9. In early Christian churches, it is the covered space between the atrium and the church which was assigned to penitents. a. baldachino c. narthex b. apse 10. A dome placed on the drum. a. simple c. compound b. superpositioned 11. The architect of a church of Santa Sophia Constantinople, the most important church in Constantinople. a. Ictinus and Callicrates b. Apollodorous of Damascus and Isidorous on Miletus c. Anthemius of Tralles and Isidorous of Miletus 12. The second largest medieval cathedral...
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...Part-1 (About Sundarban) The Sundarbans | | The Sundarbans ('Forest of Sundari trees') are one of the largest remaining areas of mangroves in the world. It also has exceptional biodiversity, notably about 400 Bengali tigers. Its ever changing landscape is shaped by tidal shifts, rivers and creeks. Brief Description The Sundarbans mangrove forest, one of the largest such forests in the world (140,000 ha), lies on the delta of the Ganges, Brahmaputra and Meghna rivers on the Bay of Bengal. It is adjacent to the border of India’s Sundarbans World Heritage site inscribed in 1987. The site is intersected by a complex network of tidal waterways, mudflats and small islands of salt-tolerant mangrove forests, and presents an excellent example of ongoing ecological processes. The area is known for its wide range of fauna, including 260 bird species, the Bengal tiger and other threatened species such as the estuarine crocodile and the Indian python. Justification for Inscription The Committee inscribed the site under criteria (ix) and (x) as one of the largest remaining areas of mangroves in the world, which supports an exceptional biodiversity with a wide range of flora and fauna, including the Bengal Tiger and provides a significant example of on-going ecological processes (monsoon rains, flooding, delta formation, tidal influence and plant colonisation). Long Description The Sundarbans consist of three wildlife sanctuaries (Sundarbans West, East and...
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...INTRODUCTION In the era of Liberalization, Privatization and Globalization along with on going IT revolution, today’s world is changing at a surprising pace. Political and Economic Transformations appear to be taking place everywhere—as countries convert from command to demand economies, dictatorships move toward democratic system, and Monarchies build new civil institutions. These changes have created economic opportunities for women who want to own and operate businesses. Today, women entrepreneurs represent a group of women who have broken away from the beaten track and are exploring new avenues of economic participation. Among the reasons for women to run organized enterprises are their skill and knowledge, their talents, abilities and creativity in business and a compelling desire of wanting to do something positive. It is high time that countries should rise to the challenge and create more support systems for encouraging more entrepreneurship amongst women. At the same time, it is up to women to break away from stereotyped mindsets. In this dynamic world, women entrepreneurs are a significant part of the global expedition for sustained economic development and social progress. Due to the growing industrialization, urbanization, social legislation and along with the spread of higher education and awareness, the emergence of Women owned businesses are highly increasing in the economies of almost all countries. In former days, for Women there were 3 Ks-...
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...2010 Chen and Miller 17 E X C H A N G E West Meets East: Toward an Ambicultural Approach to Management By Ming-Jer Chen and Danny Miller Executive Overview In the aftermath of the recent economic crisis, the world is looking for fresh ideas and new perspectives. Business reality has transformed from “West leads East” to “West meets East.” A thriving Chinese business culture represents not only a source of economic partnership but a potential fount of managerial wisdom that can help renew Western economies. Unfortunately, the cultural distance between East and West makes Chinese examples too different, and at times inappropriate, for Western firms to emulate. Outstanding entrepreneurs such as Stan Shih, who have taken the best managerial practices from the East and the West while avoiding the shortcomings, represent ideal “intermediate” role models. By employing such an “ambicultural” approach to management, Shih provides a model for both bridging cultures and instructing organizations in the East and West. In this essay, we discuss these linkages and some of the useful lessons for managers from both cultures. Indeed, “Chinese” as a way of thinking, with its emphasis on balance and self-other integration, offers the promise to bridge global divides and facilitate the formation of global-minded executives. T he global economic crisis has destroyed vast amounts of wealth— both public and private— and eliminated tens of millions of jobs...
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...Design Considerations for Retractable-roof Stadia by Andrew H. Frazer S.B. Civil Engineering Massachusetts Institute of Technology, 2004 Submitted to the Department of Civil and Environmental Engineering In Partial Fulfillment of the Requirements for the Degree of MASTER OF ENGINEERING IN CIVIL AND ENVIRONMENTAL ENGINEERING AT THE AASSACHUSETTS INSTiTUTE OF TECHNOLOGY MAY 3 12005 LIBRARIES MASSACHUSETTS INSTITUTE OF TECHNOLOGY June 2005 © 2005 Massachusetts Institute of Technology All rights reserved Signature of Author:.................. . Department of Civil C ertified by:................... ............... .......... Environmental Engineering May 20, 2005 ................................................ Jerome J. Connor Professor, Dep tnt of CZvil and Environment Engineering Thesis Supervisor Accepted by:................................................... Andrew J. Whittle Chairman, Departmental Committee on Graduate Studies BARKER Design Considerations for Retractable-roof Stadia by Andrew H. Frazer Submitted to the Department of Civil and Environmental Engineering on May 20, 2005 in Partial Fulfillment of the Requirements for the Degree of Master of Engineering in Civil and Environmental Engineering ABSTRACT As existing open-air or fully enclosed stadia are reaching their life expectancies, cities are choosing to replace them with structures with moving roofs. This kind of facility provides...
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...‘Double Hegemony’? State and Class in American Foreign Economic Policymaking CHRISTOPH SCHERRER, UNIVERSITY OF KASSEL Published in: Amerikastudien 46 (2001, 4), 573-591. ABSTRACT The paper introduces research on transatlantic relations done by neo-Gramscian authors. This research is distinctive by focusing on class in international relations and by using the concept of hegemony in a relational sense. Hegemony is leadership through the active consent of other classes and groups. A central question of this neo-Gramscian research is whether an international class of capitalists has emerged. Some authors have answered in the positive. This paper, however, maintains that hegemony in the international realm is still exercised by the American state, though its foreign economic policies have been greatly influenced by internationally-oriented corporations and that these actors have increasingly found allies among economic elites in other countries. The paper explores the relationship between hegemony by the American state and by internationally-oriented capital groups against the backdrop of transatlantic relations in the post-war period and the current debate on labor rights in international trade agreements. 1. Introduction The United States government has been, without doubt, the decisive force in establishing and shaping the main multilateral institutions of the world market since the Second World War. It has consistently pursued the opening of other nations’ markets to gain...
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...1 Valuing Financial Service Firms Aswath Damodaran April 2009 Valuing banks, insurance companies and investment banks has always been difficult, but the market crisis of 2008 has elevated the concern to the top of the list of valuation issues. The problems with valuing financial service firm stem from two key characteristics. The first is that the cash flows to a financial service firm cannot be easily estimated, since items like capital expenditures, working capital and debt are not clearly defined. The second is that most financial service firms operate under a regulatory framework that governs how they are capitalized, where they invest and how fast they can grow. Changes in the regulatory environment can create large shifts in value. In this paper, we confront both factors. We argue that financial service firms are best valued using equity valuation models, rather than enterprise valuation models, and with actual or potential dividends, rather than free cash flow to equity. The two key numbers that drive value are the cost of equity, which will be a function of the risk that emanates from the firm’s investments, and the return on equity, which is determined both by the company’s business choices as well as regulatory restrictions. We also look at how relative valuation can be adapted, when used to value financial service firms. 2 Banks, insurance companies and other financial service firms pose special challenges for an analyst attempting to value...
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...Introduction In general sense we mean “Bank” as a financial institution that deals with money. But when we use the term bank it generally means ‘commercial bank’ that collects the deposit from surplus unit of the society and then lends the deposits to the deficit units of the society. The word ‘Bank’ was probably derived from the word ‘Bench’s during ancient time Jews used to do money –lending business sitting on long benched. First modern banking was introduced in 1668 in Stockholm as ‘savings bank’, which opened up a new era of banking activities throughout the European Mainland. In the north Asia region, the afghan traders popularly known as Kabliwallas introduced early banking system. Muslim businessmen from Kabul, Afghanistan came to India and started money lending business in exchange of interest sometime in 1312A.D, they were known as Kabliwallas. All over the world the dimension of Banking has been changing rapidly due to Deregulation, Technological innovation and Globalization. Banking in Bangladesh has to keep pace with the global change. Now Banks must compete in the market place both with local institution as well as foreign ones. To survive and thrive in such a competitive banking world, two important requirements are Development of appropriate financial infrastructure by the central bank and Development of "professionalism" in the sense of developing an appropriate manpower structure and its expertise and experience. To introduce skilled...
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...CORPORATE E-LEARNING: EXPLORING A NEW FRONTIER Trace A. Urdan Cornelia C. Weggen turdan@wrhambrecht.com cweggen@wrhambrecht.com 415.551.8600 “In a time of drastic change, it is the learners who inherit the future. The learned find themselves equipped to live in a world that no longer exists.” Eric Hoffer, in Vanguard Management, 1989 2 March 2000 Equity Research TABLE OF CONTENTS Executive Summary .....................................................................................................................................1 Education in the 21 Century – Creating a Learning Economy.......................................................................2 Why e-Learning?...........................................................................................................................................3 The Solution – Bring Learning to People .......................................................................................................6 Definitions – e-Learning versus Online Learning ............................................................................................8 Key Trends – The End of Learning as We Know It ........................................................................................10 The Corporate e-Learning Market – The Pie is Big ......................................................................................13 Market Segmentation – Claiming a Stake on the New Frontier ................................
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...Rastafari This page intentionally left blank Rastafari From Outcasts to Culture Bearers Ennis Barrington Edmonds 2003 198 Madison Avenue, New York, New York 10016 Oxford University Press is a department of the University of Oxford It furthers the University's objective of excellence in research, scholarship, and education by publishing worldwide in Oxford New York Auckland Bangkok Buenos Aires Cape Town Chennai Dar es Salaam Delhi Hong Kong Istanbul Karachi Kolkata Kuala Lumpur Madrid Melbourne Mexico City Mumbai Nairobi São Paulo Shanghai Taipei Tokyo Toronto Oxford is a registered trade mark of Oxford University Press in the UK and in certain other countries Copyright © 2003 by Ennis Barrington Edmonds The moral rights of the authors have been asserted Database right Oxford University Press (maker) 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 Oxford University Press, or as expressly permitted by law, or under terms agreed with the appropriate reprographics rights organization. Enquiries concerning reproduction outside the scope of the above should be sent to the Rights Department, Oxford University Press, at the address above You must not circulate this book in any other binding or cover and you must impose this same condition on any acquirer Library of Congress Cataloging-in-Publication Data Edmonds...
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...The year 2011 will go down in global corporate history as the year when one of the world’s largest energy companies, BP, and the Russian state company, Rosneft, unsuccessfully attempted to form a strategic partnership on Arctic development. This failure was caused by the contractual and legal objections of the AAR consortium - BP’s partners in the Russian oil company TNK-BP. In 2003-5, BP and the AAR consortium led by three billionaires with Russian connections - Mikhail Fridman, Len Blavatnik, and Viktor Vekselberg - merged their Russian oil corporate assets - TNK, Sidanko, and Onako and their subsidiaries - under the umbrella of TNK-BP.2 This joint venture was established on a 50/50 basis, the operation of which required mutual joint decision making. The partners also signed a shareholding agreement on TNK- BP’s right of first refusal in relation to potential future oil and gas projects offered to BP or AAR in Russia and Ukraine. This agreement was subsequently used by AAR to stop the BP-Rosneft deal in international courts. Unfortunately, this was not the first time that BP had been unable to change the way it conducted its business in Russia. The first example occurred in 2007-8 when BP was reported to be keen on having Gazprom as a partner instead of AAR. This move would have transformed the TNK-BP joint venture into Gazprom-BP. This did not transpire. Second, in the spring-summer 2008, there was a turbulent ‘misunderstanding’...
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...Entrepreneurs with Disability in Uganda By Rebecca Namatovu1, Samuel Dawa, Fiona Mulira and Celestine Katongole Makerere University Business School Kampala, Uganda ICBE-RF Research Report No. 31/12 Investment Climate and Business Environment Research Fund (ICBE-RF) www.trustafrica.org/icbe Dakar, July 2012 1 Contact: rybekaz@yahoo.com This research was supported by a grant from the Investment Climate and Business Environment (ICBE) Research Fund, a collaborative initiative of TrustAfrica and IDRC. It’s a working paper circulated for discussion and comments. The findings and recommendations are those of the author(s), and do not necessarily reflect the views of the ICBE-RF Secretariat, TrustAfrica or IDRC Executive Summary This report addresses entrepreneurship activity among Persons with Disability in Uganda and their potential to contribute to economic development. Data was collected from Entrepreneurs with Disabilities (EWDs) in Kampala using mixed methods research. In the study we sought to answer questions about the environment, business activities EWDs are involved in, attitudes towards business, their motivations, challenges and growth aspirations. Key findings were that the majority of the EWDs are involved in retail trade. Most of them had started their own businesses using their own savings and had previously closed a business because it wasn’t profitable. Most of their businesses weren’t registered because they said they didn’t need to yet the majority of those...
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