...recently the NCAA Committee allowed athletes to get a job; between schoolwork, and practices, they don"t have enough time to find a job. Most of the kids come from poor backgrounds, and don"t have enough money to do normal college things, like going out to eat, going on a date, or out to the movies. People believe that paying college athletes will ruin the tradition and innocence of the game. However, people forget that Olympians get paid, and most of them are amateur athletes. "Gold medallists from the United States receive a minimum of $15,000 for their success (from the U.S. Olympic Committee and the national governing body of the winner's sport), USA Today, Final Ed." These Olympians can also capitalize on endorsement deals and other additional bonuses, most of which are illegal in college athletics. The innocence of the game is already in jeopardy, in a June 24th, 1996 issue of The NCAA News, " Studies indicate that 75 percent of underclassmen have received cash or gifts from an agent." That"s a pretty high number, three out of every four are involved in illegal activities involving agents, and 90 percent of projected first round draft picks have had contact with an agent, (Steve Wulf, Time pg. 94). If they received some compensation for the hard work, this corruption would gradually lessen, because the need for money would lessen. Just recently the NCAA allowed college athletes to get a job, but seriously, where are the athletes going to find the time to work. With classes...
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...“Pay the college athletes?” Whether or not to pay college athletes has been in debate for a number of years. No one seems to be able to decide whether or not these “students” deserve to be compensated for their actions on the gridiron, or whether they should be treated just like every other student at the school. The fact of the matter is that these athletes are not actually like every other average student. These athletes for some of these big name schools aren’t just helping the NCAA rake in small chunks of money; in fact they are helping the NCAA make billions of dollars every single year. It seems like only the NCAA is benefiting from the money who are the people in charge, and the workers, the athletes, are working for such a large profit, with no compensation towards them. To some this is the way it should be, but to others, they feels as if the athletes are being abused in a way that they are unable to fight back about. Therefore, do scholarships and free-living expenses make up for the billions of dollars these top tier athletes are bringing in? Or are these college athletes being abused by the billion-dollar industry that they help fuel? Some people view college sports as students at a school, representing their school through the act of a sport. However, the truth is that these college students fuel a billion dollar business that has no income for the actual “employees.” In Taylor Branch’s article, “The Shame of College Sports”, he continuously shows how these...
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...A Place In This World don`t know what I want, so don`t ask me Cause I`m still trying to figure it out Don`t know what`s down this road, I`m just walking Trying to see through the rain coming down Even though I`m not the only one Who feels the way I do [Chorus:] I`m alone, on my own, and that`s all I know I`ll be strong, I`ll be wrong, oh but life goes on I`m just a girl, trying to find a place in This world Got the radio on, my old blue jeans And I`m wearing my heart on my sleeve Feeling lucky today, got the sunshine Could you tell me what more do I need And tomorrow`s just a mystery, oh yeah But that`s ok [Repeat Chorus] Maybe I`m just a girl on a mission But I`m ready to fly [Repeat Chorus] Back To December I'm so glad you made time to see me How's life? Tell me, how's your family? I haven't seen them in a while You've been good, busier than ever We small talk, work and the weather Your guard is up, and I know why Because the last time you saw me Is still burned in the back of your mind You gave me roses, and I left them there to die So this is me swallowing my pride Standing in front of you, saying I'm sorry for that night And I go back to December all the time It turns out freedom ain't nothing but missing you Wishing I'd realized what I had when you were mine I go back to December, turn around and make it alright I go back to December all the time These days, I haven't been sleeping Staying up, playing back...
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...Download all 8 books on PD and Life Skills from http://lifeskills.wordzila.com FREE! A miracle Miracles can happen if you believe in them. Scene setting Read the following statements. Which of them are true for you? Tick them. I believe in myself. I know Ill be a great person someday. I love and respect other people. I listen to my parents and teachers. I dont listen to people who say negative things. I am courageous. The first statement above is very important. You have to believe in yourself. You have to know that you are an important person. You have to know that you can do a lot of things. You have to know that you are the best. Now sit straight and say out loud: I am the best! Thats good. When you believe in yourself and know that you are the best, you can even do miracles. You can increase your grades. You can play better games. You can make lots of friends. The first and the most important thing is to believe in yourself. Then the whole world will support you. Reading Here is a true story of a little girl Angela who always said, I can do it. She believed in her dreams. Finally her dreams came true. Let us read how. Angela was an eleven-year-old girl. She was suffering from a nervous disease. Hence, she was unable to walk or move. Doctors said she would spend her whole life in a wheelchair. They said that Angela could never walk. But, Angela did not listen to the doctors. She believed that she would walk someday. Thus, she said, I will definitely walk someday...
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...take advantage of those less fortunate in our society? Are their fees exorbitant, or are the fees merely a fair return given the risk the payday lenders are incurring? This case looks at these and other issues surrounding the payday lending industry. Keywords: payday lending, finance, interest rate, ethics INTRODUCTION I n the last 15 years, cities around America have seen a dramatic rise in the number of payday lending stores open for business. Today there are over 22,000 payday lenders operating in the 39 states where payday lending is legal. To put that number in perspective, there are 13,700 McDonald‟s and 7,300 Burger Kings in the U.S.—simply put, there are more payday lenders than McDonald‟s and Burger Kings combined (Weston). But why? As traditional financial institutions tighten up loan requirements and drop smaller, less profitable loans from their books, payday lenders feel they are filling a substantial need in the communities they serve. They make the process of getting a short-term loan without a lot of paperwork and credit requirements easy for those who use their services. It works like this: A customer brings in their most recent pay stub which ought to show an after tax income of at least $200 a week, a check book, and a driver‟s license or state I.D. The lender provides a short-term loan of around $500. The customer leaves behind...
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...MAN OF EARTH By: Amador Daguio Pliant is the bamboo; I am man of earth; They say that from the bamboo We had our first birth. Am I of the body, Or of the green leaf? Do I have to whisper My every sin and grief? If the wind passes by, Must I stoop and try To measure fully My flexibility? I might have been the bamboo, But I will be a man. Bend me then, O Lord, Bend me if you can. NEW YORKER IN TONDO Marcelino Agana, Jr. SCENE: The parlor of the Mendoza house in Tondo. Front door is at right. Curtained window is at left. Left side of stage is occupied by a rattan set –sofa and two chairs flanking a table. On the right side of the stage, a cabinet radio stands against a back wall. Open door-way in center, background, leads into the rest of the house. MRS. M: (As she walks toward the door) –Visitors, always visitors. Nothing but visitors all day long. Naku, I’m beginning to feel like a society matron. (She opens door. Tony steps in, carrying a bouquet. Tony is 26, dressed to kill, and is the suave type. Right now, however, he is feeling a trifle nervous. He starts slightly on seeing Mrs. Mendoza.) MRS. M : Tony! I thought you were in the provinces. TONY : (Startling) –But is that you, Aling Atang? MRS. M : ( Laughing) --- Of course. It’s I, foolish boy. Who did you think …Carmen Rosales? TONY : You …you don’t look like Aling Atang. MRS. M : (shyly touching her boyish bob) – I had my hair cut. Do I look so...
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...Здравствуйте, Вашему вниманию представлены Ключи к упражнениям из учебника Практический курс английского языка: 3 курс, Под. ред. В.Д.Аракина. Основные и необходимые задания, такие как работа над лексикой и частично работа над текстом приведены в виде ключей, то есть в готовом для ответа виде. Преимущественно творческие задания не выполнены главным образом по причине отсутствия стандарта при их выполнении, то есть каждое творческое задание не должно быть повторено. Автор не претендует на 100% правильность выполнения задания – для этого существуют официально изданные издательством ВЛАДОС ключи к упражнениям. Автор оформил упражнения и работу над текстом в виде удобном Автору, так как Автор является студентом заочного отделения одного из крупнейших Российских ВУЗов. Все выполненные задания Автор выполнил, используя материалы учебника и словарей ABBYY Lingvo 8.0 и AlphaLex 5.0 English, и частично, при работе над текстом и лексикой, материала из документа неизвестного автора, скаченного из интернета. Данный материал в виде домашнего задания был проверен впоследствии при классной работе. В ключах к упражнениям, выполненных Автором, ЕСТЬ неисправленные немногочисленные ошибки и неточности. Автор стремился максимально точно выполнять задания и надеется, что результат не слишком отличается от уровня требований, задуманного авторами учебника. Ключи к упражнениям выполнены Svetlana Sfarzo, Bugulma, Tatarstan, Russia Unit I Text one (p.9) Three men in a boat By Jerome K.Jerome Jerome...
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...Longman English Grammar L G.Alexander Consultant- R A. Close, CBE Pearson Education Limited, Edinburgh Gate, Harlow, Essex CM20 2JE, England and Associated Companies throughout the world www longman com © Longman Group UK Limited 1988 All rights reserved, no part of the publication may be reproduced, stored in a retrieval system, or transmitted in any form or by any means, electronic, mechanical, photocopying, recording, or otherwise, without the prior written permission of the Publishers Distributed in the United States of America by Longman publishing, New York First published 1988 Twentieth impression 2003 BRITISH LIBRARY CATALOGUING IN PUBLICATION DATA Alexander L G Longman English Grammar 1 English language - Text-books for foreign speakers 1 Title 428 2'4 PE1128 LIBRARY OF CONGRESS CATALOGING IN PUBLICATION DATA Alexander, L G Longman English Grammar/L G Alexander, consultant, R A Close p cm Includes index ISBN 0-582-55892-1 1 English language - Grammar - 1950- 2 English language Text-books for foreign speakers 1 Close, R A II Title PE1112A43 1988 428 2'4-dc19 87-22519 CIP Set in 8 on 9 1/2pt Linotron 202 Helvetica Printed in China SWTC/20 Louis Alexander was born in London in 1932 He was educated at Godalming Grammar School and London University He taught English in Germany (1954-56) and Greece (1956-65), where he was Head of the English Department of the Protypon Lykeion, Athens He was adviser to the Deutscher Volkshochschulverband...
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...v105 some people claim that the disadvantages of the car are more than the advantages,do you agree or dis the birth of cars have made an enormous change to our life.in the past,we travel from one place to another only by foot,nowaday,cars can do it .its goes withour saying that the invention of cars bring great benefit to all of us.but as proverb goes:no garden without weeds.car is not exception. owing a car has a lot of advantages.for one thing,car provide us the most convient way of transportation.we can get around freely without spenting a lot of time.emotionally,i always found driving is so exciting.for another,its the comfortable to drive a car.In winter.drivers always can stay warm and dry even in rainy whether,in addition,drivers are usually safe in their cars when they are out at night. Cars bring the human merits,their side-effects graudually come to the surface.firstly,to run a car need a lot of oil,which is getting less and less.the increasing number of cars contribute the lacking of energy.secondlly,as more and more cars are used,the traffic ecpecially in big cities is getting heaver and heavier,which lead to the serious social problem--traffic jam.in addition,the inceasing numbers of cars ,which excaust sent a huge quantities of carbon monoxide into atmosphere.it make the air of cities unbreathabe,it strip people contact with frensh air. therefore,the new energy should be explored to replace the oil so that our envionmental pollution can be avioded .and th...
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...Starting Your Own Business Contents List of illustrations ix Preface xi 1 Getting Started 1 What's holding you back? 1 Learning to handle success 3 Overcoming the mental blocks 3 Fighting back 6 Checking your readiness 12 Case studies 13 Action points 15 2 Finding Ideas 16 Looking right in front of you 16 Cashing in on change 17 Carving a niche 18 Acquiring commercial skills 20 Working on your self-esteem 20 Choosing a trading name 21 Checking your readiness 24 Case studies 24 Action points 26 3 Creating a Winning Business Plan 27 Planning ahead 27 Making sure the plan is yours 30 Your blueprint for success 30 Getting help from the public sector 36 Getting help from the banks 36 Checklist 37 Constructing your 'blueprint for success' 38 Case studies 43 Exercises 45 4 Funding Your Enterprise 46 Getting your hands on some seed money 46 Start-up costs 46 Getting outside finance 49 Approaching the public sector 50 Approaching potential funders 54 The plan that will fix your funding 58 Presenting your case 61 Checklist 62 Case studies 63 Action points 65 5 Planning Ahead 66 Choosing a partner 66 Case studies: going into partnership 69 Measuring the competition 71 Competitive analysis 75 Finding the right premises 77 The systems you will need 79 Deciding your business status 80 Understanding the basics of taxation 81 Preparing to survive - and succeed 84 Case studies 85 Action points 87 6 Marketing Your Enterprise 89 Debunking...
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...Mostly Harmless Econometrics: An Empiricist’ Companion s Joshua D. Angrist Massachusetts Institute of Technology Jörn-Ste¤en Pischke The London School of Economics March 2008 ii Contents Preface Acknowledgments Organization of this Book xi xiii xv I Introduction 1 3 9 10 12 16 1 Questions about Questions 2 The Experimental Ideal 2.1 2.2 2.3 The Selection Problem . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Random Assignment Solves the Selection Problem . . . . . . . . . . . . . . . . . . . . . . . . Regression Analysis of Experiments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . II The Core 19 21 22 23 26 30 36 38 38 44 47 51 51 3 Making Regression Make Sense 3.1 Regression Fundamentals . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3.1.1 3.1.2 3.1.3 3.1.4 3.2 Economic Relationships and the Conditional Expectation Function . . . . . . . . . . . Linear Regression and the CEF . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Asymptotic OLS Inference . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Saturated Models, Main E¤ects, and Other Regression Talk . . . . . . . . . . . . . . . Regression and Causality . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3.2.1 3.2.2 3.2.3 The Conditional Independence Assumption . . . . . . . . . . . . . . . . . . . . . . . . The Omitted Variables Bias Formula . ....
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...THE MORTAL INSTRUMENTS Book Three City of Glass Margaret K. McElderry Books An imprint of Simon & Schuster Childrens Publishing Division 1230 Avenue of the Americas, New York, New York 10020 This book is a work of fiction. Any references to historical events, real people, or real locales are used fictitiously. Other names, characters, places, and incidents are products of the authors imagination, and any resemblance to actual events or locales or persons, living or dead, is entirely coincidental. Copyright Š 2009 by Cassandra Claire, LLC All rights reserved, including the right of reproduction in whole or in part in any form. Library of Congress Cataloging-inPublication Data Clare, Cassandra. City of glass / Cassandra Clare.1st ed. p. cm.(The mortal instruments; bk. 3) Summary: Still pursuing a cure for her mothers enchantment, Clary uses all her powers and ingenuity to get into Idris, the forbidden country of the secretive Shadowhunters, and to its capital, the City of Glass, where with the help of a newfound friend, Sebastian, she uncovers important truths about her familys past that will help save not only her mother but all those that she holds most dear. ISBN-13: 978-1-4391-5842-5 ISBN-10: 1-4391-5842-8 [1. SupernaturalFiction. 2. DemonologyFiction. 3. MagicFiction. 4. VampiresFiction. 5. New York (N.Y.)Fiction.] I. Title. PZ7.C5265Ckg 2009 [Fic]dc22 2008039065 Visit us on the World Wide Web: http://www...
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...Dedicated to St John the Blasphemist Saint of Freakin‟ Awesome Holy Texts Cover Art by MonkeysInACan aka Captain Chris Taylor, Tigger_the_Wing, and Rev. Rowan Redbeard Table of Contents Proclamations of the Councils of Olive Garden.........................................................................1 Second Announcement Regarding Canonical Belief......................................................................2 Third Announcement Regarding Canonical Belief.........................................................................3 The Old Pastament........................................................................................................................4 The Book of Midgets/Midgits.........................................................................................................5 The Creation of Mankind..............................................................................................................14 A Reading From the Book of Fusilli..............................................................................................15 The Book of Penelope....................................................................................................................17 The Book of Linguini.....................................................................................................................20 The Torahtellini Part 2............................................................................................................
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...maStuff My Stocking M/M Romance Stories that are Nice and… Naughty Stuff My Stocking: M/M Romance Stories that are Nice and… Naughty An M/M Romance Group Publication copyright 2010 With stories by: M.J. O'Shea Brian Jackson Deanna Wadsworth Missy Welsh Jade Archer Michael S. Xara X. Xanakas Mark Alders Em Woods Rachel Haimowitz SJD Peterson Kari Gregg Kim Dare A.J. Llewellyn Serena Yates Ocotillo Jessica Freely Heinrich Xin William Cooper Wren Boudreau Selah March Sarah Madison Stephani Hecht Amy Lane Angela Benedetti edited by: Diane W. (mailto:diane.goodreads@gmail.com) Jason B. Kathy H. Stuff My Stocking: M/M Romance Stories that are Nice and… Naughty What you’ve gotten yourself into… The stories you are about to read are the product of a very special project sponsored by the Goodreads M/M Romance groupthe online community for readers who love to read about men in love (Male/Male). The group moderators issued an invitation for members to choose a photo and pen a Letter to Santa asking for a short M/M romance story inspired by the image; authors from the group were encouraged to select a letter and write an original tale. The result was an outpouring of creativity that shined a spotlight on the special bond between M/M romance writers and the people who love what they do. This book is an anthology of those letters and stories. Whether you are an avid M/M romance reader or new to the genre, you are in for a delicious treat. So sit back, relax and enjoy...
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...Wilmer, Cutler & Pickering Accounting Advisors PricewaterhouseCoopers LLP March 31, 2003 I. SUMMARY AND CONCLUSIONS ................................................................................. 1 A. The Nature of the Accounting Fraud....................................................................... 9 1. 2. B. C. D. E. Reduction of Reported Line Costs .............................................................. 9 Exaggeration of Reported Revenues ......................................................... 13 WorldCom’s Culture ............................................................................................. 18 Compromising Financial Arrangements ............................................................... 24 Why WorldCom’s Auditors Did Not Discover the Fraud..................................... 25 WorldCom’s Governance...................................................................................... 29 1. 2. 3. 4. Board’s Lack of Awareness of Accounting Fraud .................................... 29 Adequacy of Board’s Oversight of Company ........................................... 30 Stock Sales ................................................................................................ 33 Lease of Airplane to Chairman of Compensation Committee .................. 34 II. III. SCOPE OF INVESTIGATION ........................................................................................ 37 BACKGROUND.....................................
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