...------------------------------------------------- University of Phoenix Material Appendix B: Personal Financial Planning Worksheet Directions Based on your readings and discussions in class this week, answer the following questions completely. 1. The process of creating a detailed plan to meet your financial needs and prepare for the future is called A personal financial planning a. developing goals b. personal financial planning c. collecting financial information d. personal finance 2. Which of the following is not one of the five major steps of the financial planning process? C. Collect and organize your financial information e. Analyze your current finances. f. Establish and implement your plan. g. Collect and organize your financial information. h. Reevaluate and revise your plan as needed. i. Which phase in life is commonly associated with focus on marriage, family, purchasing a home, and career development? C. Late 20s through your 40s 3. j. Teenage years k. Between your 50s and 60s l. Late 20s through your 40s m. During retirement n. Which of the following is a benefit of having a college degree that can affect your financial planning? D. All of the above 4. o. The potential to make a higher salary p. Jobs with retirement plans and benefits q. The ability to receive promotions and wage increases ...
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...Introduction Siloso Beach Resort is Singapore’s first eco certified hotel that aims to provide guests with a memorable hospitality serviced as well as prioritizing the preservation of the environment. This report will analyze the service delivery system (SDS) of Siloso Beach Report. In addition, a brief background of the resort will be provided and the identified key features of the SDS will be included. In particular, the scope of this report will discuss about the appropriateness of the current SDS that had been observed in terms of its strengths and weaknesses and also the specified areas for improvement. Background of Siloso Beach Resort Sitting at the heart of Singapore’s hippest beach, Siloso Beach Resort was built with the goal of preserving the environment right from the design to the construction stage. The resort is family-owned hotel with 200 rooms including 12 villas and more than 60 employees. The resort has been awarded the TUV Rheinland certification as an eco-hotel, the top achiever for Singapore Environmental Achievement Awards 2010 and it was also the first hotel to be certified under Singapore SEC eco-hotel scheme. Upon arrival at the resort, it is obvious that preservation of the environment is its main objective. Over 200 of the original on-site trees were preserved, with more than 450 more planted additionally. The resort is only 28% covered terrain and 72% open air. This is to minimize the use of electricity. Furthermore, the resort has the only......
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...사람 의 삶의 과정 을 변경할 수 있습니다 인생에서 많은 것들이 있습니다 . 그것도긍정적 인 영향 이나사람 의 삶 에 부정적인 영향을 미칠 수 있습니다. 하지만긍정적 인 영향을 미칠 수 는 항상 최고입니다. 나를 위해 나는 영원히 내 인생을 변경 내 구주 예수 를 수신 하는긍정적 인 경험 이 있었다. 내가 변경된 사람 , 나는 내 인생 에 대한 방향을 가지고 , 나는 내가 가야 하는 놀라운 교회 가 항상 좋은 교회 가족 이 있습니다. 많은 사람들이 함께 걸어 친구 나 그들이 할것들에 의해 변경합니다. 나 자신 이 내 구주 예수 를 수신하여 변경했습니다. 내가 할 하는 데 사용되는 일을하지 않기 때문에 이 변경되었습니다. 지금 신 에게 계명을 따라 그를 위해 살고 있습니다. 나는 3 세 를 위해 저장된 하나님 은 불순한 것들을 비웃는 하지 않음으로써 내가 생각하는 방식 을 변경했습니다. 그는 그냥 아무것도 걱정하지 하는 데 사용되는 나의 태도를 변경했습니다. 나는 나 자신 에 대한 교만 하고 모든 로 사용 하지만 더 이상 나는 사람들 에 대한 연민 이있다. 나는 하나님 의 말씀을 읽고 너무 많은 날 을 변경했습니다. 난 그냥 내 인생에서 하나님 을 인정하고 그가 나를 인정하고 깊은 날 을 변경했습니다. 나는 진정한 방향을 발견 하고 내 인생 에 대한 true 및 문제 이며, 그 하나님의방향 유일한 방향 이다. 나는 그가 항상 올바른 경로에 U 를 지시 할 통과 무슨 상관없이 내 인생에 하나님의 방향 이 없습니다. 그는 에 가서 어떤 대학 에서 저를 연출했다 . 그는 또한 나는 에 가서 그 어린 시절의 개발이다 할주요 에 저를 연출했다 . 그는 나에게 아이를위한 열정을 부여하고있다 . 그는멋진 작업으로 저를 지시 하고 그 내 교회 의 놀라운보육 센터의 . 그는 또한 내 청소년 단체 에서인턴 있어 결국리더가 가는 교회청소년 그룹 내 경로를 연출했다 . 나는 내 인생에서 진정한 방향 이 종류 가 없었 놀라운 나는 항상 나를 위해 있을 것입니다놀라운 교회 내 교회 가족 이 있습니다. 좀 힘든 시간을 가야했다 그리고 그들은 나를 위해 거기 항상있다....
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...Case Context: 1937 - Vernon Rudolph purchased a secret recipe from a French Chef in New Orleans -Vernon Rudolph rented a building in North California and started selling Krispy Kreme to local grocery stores 1938 - He stared selling ‘hot original-glazed’ doughnuts to customers directly 1960’s-1970’s - The company’s reputation started growing throughout Southern United States - The number of new stores (company-owned or franchised increased) Mid 1990’s - They used the new area developer model to expand geographically - They were able to open stores in Washington and Baltimore 1996 - They opened their first store in New York City 1999 - Stores in California started emerging April 5, 2000 - They completed their IPO - Their stock grew 76% (from $5.50 to $ 9.25 adjusted twice for 2-for-1 stock splits) 2001 - They opened their first international store in Toronto, Canada December 2001 - Their stocks reached $45.66 Jan 2001-02 - New Area Developers’ openings accounted for 72% and 83% of system wide store growth February 3, 2002- System wide sales were $627,100,000 - Revenue growth, earnings growth and return on beginning equity were 31%, 80% and 21% respectively. - Comparable store sales were only 11.7% April 2002 - They had opened a total of 222 factory stores in 34 states producing 5 million doughnuts per day and 2 billion doughnuts a year -75% of Krispy Kreme network stores were company owned, a 12% increase from 2001 - They started selling their......
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...BLUE SKY MAN Industry Segmentation In the airline industry, market segmentation can be based on providing flights to domestic or international destinations and product segmentation would include the different types of fares they are offered, such as economy, business and also first class. dustry will be low as there are high barriers to entry. Due to high cost of planes, entering airline industry requires high capital investment to commence operations. The airline industry is extremely capital intensive, due to the cost of buying and leasing aircrafts, safety and security measures, customer service and creating a brand people can trust. In order to achieve economic of scales, many airlines creates alliance with each other therefore creating efficiency in joint purchase of aircraft, cost of maintenance and parts thus save hundreds of millions of dollars such as the Jetstar/AirAsia alliance. This creates further barriers whereby new entrants will not be able to compete in term of cost and price. (1) Power of suppliers to the industry - Medium to High The airline supply business is mainly dominated by Boeing and Airbus therefore they have high supplier power. For this reason, there is not a lot of competition among suppliers. Also, it is also unlikely that of a supplier integrating vertically. Airlines are also unable to materially affect fuel prices from suppliers as the oil market dictates the fuel costs. They also aim to use their combined scale to......
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... He has diverse experience spanning industries such as high tech, automotive, electrical, media, and retail. Proficient in process reengineering, business blueprinting, and system configuration and upgrade, he has worked on all major SAP versions, from 3.1I to ECC 6.0. Besides consulting, he also fills a variety of strategic and leadership roles. As a senior project manager, he manages large teams and delivers cutting-edge SAP solutions to customers worldwide. co n t e n t s At A g l A n c e Introduction Chapter 1 Chapter 2 Chapter 3 Chapter 4 Chapter 5 Chapter 6 Chapter 7 Chapter 8 Chapter 9 Chapter 10 Chapter 11 Chapter 12 Chapter 13 Chapter 14 Appendix xv 1 Introduction to Sales and Distribution Enterprise Structure Master Data in SD 27 69 103 Partner, Text, and Output Determination Pricing and Tax Determination 155 Availability Check, Transfer of Requirements, and Backorders Sales 247 323 207 Shipping and Transportation Billing 371 Account Assignment and Revenue Recognition Credit Management 453 429 Material Determination, Listing, Exclusion, and Proposal Serial Numbers and Batch Management Advanced Techniques 551 597 519 483 Transaction Codes and Database Tables Index 625 Table of ConTenTs Introduction Chapter 1 xv 1 Introduction to Sales and Distribution Introduction to SAP . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ....
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...SDS-PAGE also called sodium dodecyl sulfate polyacrylamide gel electrophoresis is a technique used to separate proteins only by their size. SDS or sodium dodecyl sulfate is a detergent used to denature the proteins; they will unfold and will not have any secondary, tertiary or quaternary structure. Proteins will have a negative charge and they will move down the gel by their molecular weight. PAGE or polyacrylamide gel electrophoresis is a polymer of the neurotoxin acrylamide and a cross-linking agent called bis-acrylamide. Usually APS and TEMED are used as catalysts for the process of cross-linking. There are two different settings of running the polyacrylamide gel, denaturing gel and non-denaturing gel or native gel. Denaturing gel consists of using urea or SDS to denature or unfold proteins and subsequently separate them by their molecular weight. A non-denaturing or native gel is used primarily to analyze the tertiary and quaternary structure of proteins; therefore they do not need to be unfolded. SDS-PAGE is essential in protein analysis in different fields such as forensic, biochemistry, biotechnology, molecular biology and genetics. The SDS-PAGE gel has to be poured in two parts. The first gel that is poured is the resolving gel. This type of gel consists of 3 to 30 % acrylamide thus possessing small pores and a pH of 8.8. The second gel is called the stacking gel and it is poured on top of the resolving gel. Stacking gel has 8 to 12 % acrylamide,......
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...Tarrin Thomas SD 1420 Unit 9 Assignment · Which of the following statements converts a double value d into a string s? · s = new Double(d).stringOf(); · s = String.stringOf(d); · s = (new Double(d)).toString(); · s = (Double.valueOf(s)).toString(); The answer is D · Assume Calendar calendar = new GregorianCalendar(). Which of the following statements will return the number of days in a month? · calendar.getActualMaximum(Calendar.DAY_OF_MONTH) · calendar.get(Calendar.MONTH_OF_YEAR) · calendar.get(Calendar.WEEK_OF_MONTH) · calendar.get(Calendar.WEEK_OF_YEAR) · calendar.get(Calendar.MONTH) The answer is E · Assume Calendar calendar = new GregorianCalendar(). Which of the following statements will return the week of the year? · calendar.get(Calendar.MONTH_OF_YEAR) · calendar.get(Calendar.WEEK_OF_YEAR) · calendar.get(Calendar.WEEK_OF_MONTH) · calendar.get(Calendar.MONTH) The answer is B · What will be the output of running the class Test with the following code lines? interface A { } class C { } class B extends D implements A { } public class Test extends Thread { public static void main(String[] args) { B b = new B(); if (b instanceof A) System.out.println("b is an instance of A"); if (b instanceof C) System.out.println("b is an instance of C"); } } class D extends C { } · b is an instance of A followed by b......
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...TAX should be increased to help poverty alleviation. Asian Developing countries have much higher direct taxes over revenue Direct Tax in Total Revenue Bangladesh 9 Pakistan 10 India 17 Singapore 27 Malaysia 34 Indonesia 58 Direct Tax to Total Tax. Increase in this ratio does not prove budgets are pro-poor Direct tax toTotal tax 22 20 18 16 14 12 20 06 20 04 20 02 20 00 19 98 19 96 19 94 19 92 19 90 19 88 10 Revenue receipts are dependent on external factor Sources of Revenue: Percentage of Total FY 2004 2005 2006 Import Duty 27 26 23 VAT (import) 17 18 17 SD (import) 6 6 5 50 51 45 1 0 0 VAT (local) 16 17 19 SD (local) 14 12 14 Subtotal 31 30 33 Income 18 19 21 1 1 1 100 100 100 Subtotal Excise Other Grand Total About 45-50 percent taxes come from external sources Economy is heavily dependent on external factor, Receipts are vulnerable to external factor, Proportion of income tax should immediately be increased. Fear of political hazard. Those who should pay higher income tax are very powerful. They may even topple a government. Original Allocation vs. Actual Expenditure Original Allocation 30000 Actual......
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..............................................................................................10 3.1 3.2 3.3 3.4 3.5 3.6 3.7 Control Panel Setup ...........................................................................................................10 Controlling the LEDs and 7-Segment Displays.................................................................12 Switches and Buttons .........................................................................................................14 SDRAM and Flash Controller and Programmer................................................................15 PS2 Device.........................................................................................................................16 SD CARD ..........................................................................................................................17 VGA ...................................................................................................................................18 Chapter 4 Using the DE0 Board .....................................................................................................20 4.1 4.2 4.3 4.4 4.5 4.6 4.7 4.8 4.9 4.10 4.11 Configuring the Cyclone III FPGA....................................................................................20 Using the LEDs and Switches............................................................................................23 Using the 7-segment Displays..............
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...hard drives. There are two types of hard drives 1 – Magnetic 2 – Solid State. Magnetic Hard Drives ardHare the slower of the two but less expensive. They are prone to magnetic field disruptions and are generally viewed as less durable due to the fact that they have moving parts. ------------------------------------------------- Solid State Hard Drives are faster (roughly twice as fast) than Magnetic Hard Drives. They are more expensive and have lower maximum storage capacity. They are more durable, and have no moving parts. Common Computer Ports Ports are computer connections to external devices. Some common computer ports include: USB (standard) USB 3.0 HDMI (allows display on a TV monitor or connections to peripherals) SD Other Important Ports (for video, audio, network) Chapter 2: Logic There are two types of Expressions: Mathematics (produce a numerical result) ------------------------------------------------- Logic (produce a Boolean result; can only be true or false). Logical Operators Similar to mathematical operators, logical operators take one or two inputs and produce an output. TRUTH TABLE Column 1 | Column 2 | Result of (Column 1) OPERATION (COLUMN 2) | FALSE | FALSE | TRUE OR FALSE | FALSE | TRUE | TRUE OR FALSE | TRUE | FALSE | TRUE OR FALSE | TRUE | TRUE | TRUE OR FALSE | ------------------------------------------------- Logical AND The popular usage of the logical AND applies when ALL conditions......
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...Ever since its inception in Ancient Greece, liberal education has afforded its students a truth for new understanding, that makes them well-rounded citizens. In terms of the American education system when it reached its pinnacle in the 1950s, its course was just as quickly reversed in the 1960s. A major culprit in the degradation of higher learning can be shouldered by Students for Democratic Society(SDS).To understand how these events came to be, we must first look at the values/objective of this very organization that came to be at the turn of the decade in 1960 at University of Michigan and Cornell University. Liberal education gives a liberating and freedom that is meant to be worth to educate the person in order to take part in civic life, as a future citizen. The ASEAN the Association of American Colleges and Universities states that a liberal education is that which liberates the mind from ignorance and cultivate social responsibility. Liberal education, unlike vocation is not to train, but to change people. Liberal education allows the student to learn how to think rather than what to think, to have a philosophical understanding wanting to question the reason of being and teaching. A liberal educated person is one that can think outside the box and question the norms of nature. They are free-thinkers.Failure in the closing of the American mind is the failure to have a basic principle of ideas and classic works that contributes to literature, politics etc to educate......
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