...Consumer Misconception About Labels on Pesticides Elsie Leslie Kaplan University February 9, 2015 Walk into virtually any home in the United States and it is practically guaranteed that there will be a container of some form of pesticide (Raid) or herbicide (Roundup, Spectracide, Ortho) on hand. These are considered “everyday” products used by most homeowners to kill bugs and weeds. They have all been approved by the Environmental Protection Agency (EPA) as safe for use by the general public. They are sold by large retailers as well as smaller local vendors. Based on those two factors, it is a common – but dangerous - assumption that these chemicals must be safe for use. But – “Buyer Beware!” Household pesticides and herbicides contain hidden ingredients that are not provided on the product labels. Under the current laws, manufacturers do not have to divulge all of the ingredients that are used in the production of a pesticide or herbicide. Many of these unidentified ingredients are poisons that could be potentially hazardous to adults and children alike. It is crucial that the labels on these products contain a complete list of the ingredients, as well as any potential hazards. Consumers have a right to this information in order to be able to make informed decisions. Unfortunately, most consumers do not understand that the product they are buying is actually a pesticide formulation that contains a number of different materials, including active active and inert ingredients...
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...Buying a bad home that turn out to be a Lemon When Michael, my husband and I purchase this three bedroom in Houston, Texas in November of 2006, we were so happy to have found us a home. It was in a nice seam like quite area brick with a iron fence that you needed remote control to enter into the gate. It had a nice size front and back yard that "seemed perfect" for just the two of us. When we first look at the home I was a little sceptical because it did need some repairs and it was just something about the house that I could fill in my spirit that wasn't right. But because my husband liked the house so much and he was purchasing it from a friend of his it was ok. So we moved into the home and decided to rent the home for a year . The kitchen floor needed to be replace and inside the bathroom there was no sink or face board. The gentleman that we were purchasing the home from paid for all the expensive to get the home fix and repaired. Other than that we decide not to change anything other than making sure the dining room floor was repaired and the living room floor. We had a wooden floor put down in the dining area and we place ceramic tile in hte living room.Other than that it was too good to be true provided the rent was only $500 month. So after a year of renting the home we decided to purchase the home. Just months after we purchase, the home we found ourselves in a lot of problems with the home. We keep hearing a lot of noise in the attic and didn't know what it was....
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...his money are soon parted A friend in need is a friend indeed A golden key can open any door A good beginning makes a good ending A good man is hard to find A house divided against itself cannot stand A house is not a home A journey of a thousand miles begins with a single step A leopard cannot change its spots A little knowledge is a dangerous thing A little learning is a dangerous thing A little of what you fancy does you good A man who is his own lawyer has a fool for his client A miss is as good as a mile A new broom sweeps clean A nod's as good as a wink to a blind horse A penny saved is a penny earned A person is known by the company he keeps A picture paints a thousand words A place for everything and everything in its place A poor workman always blames his tools A problem shared is a problem halved A prophet is not recognized in his own land A rising tide lifts all boats A rolling stone gathers no moss A soft answer turneth away wrath A stitch in time saves nine A swarm in May is worth a load of hay; a swarm in June is worth a silver spoon; but a swarm in July is not worth a fly A thing of beauty is a joy forever A trouble shared is a trouble halved A volunteer is worth twenty pressed men A watched pot never boils A woman's place is in the home A woman's work is never done A word to the wise is enough Absence makes the heart grow fonder Absolute power corrupts absolutely Accidents will happen (in the best-regulated families). Actions speak louder than words Adversity...
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...Constitutional Law- Supremacy Clause- “This Constitution, and the laws of the United States which shall be made in pursuance thereof…… shall be the Supreme law of the Land; and the Judges in every state shall be bound thereby …..” Article VI Judicial Review- U.S. Constitution doesn’t provide that federal courts can declare a statute unconstitutional and void, but they can./Marbury v. Madison, 1803 introduced judicial review Activism v. Restraint- Over time, not a liberal vs. conservative issue.In the early days of the New Deal, judicial activism was responsible for striking down progressive measures. Originalism v. Living- When interpreting the Constitution, ask what the people who wrote it – or wrote the amendments – understood the provisions to mean. VS. To interpret the Constitution look to the language in the document and the understanding of the framers, but do so in light of the long history of common law which preceded and followed it. That gives you a mechanism for applying the document to situations which could never have been envisioned when the Constitution was written. Public v. Private Action- Companies and individuals can’t deprive you of your Constitutional rights, only a govt can. Commerce Clause- “The Congress shall have Power ……… To regulate Commerce with foreign Nations, and among the several States …….”Article 1, Section 8 Affordable Healthcare Act- Nat. Fed. of Independent Businesses v. Sibelius (2012)/Focus: The individual mandate – a requirement...
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...Mergers and Acquisitions Basics Mergers and Acquisitions Basics All You Need To Know Donald DePamphilis Amsterdam • Boston • Heidelberg • London New York • Oxford • Paris • San Diego San Francisco • Singapore • Sydney • Tokyo Academic Press is an imprint of Elsevier Academic Press is an imprint of Elsevier 30 Corporate Drive, Suite 400, Burlington, MA 01803, USA Elsevier, The Boulevard, Langford Lane, Kidlington, Oxford, OX5 1GB, UK Copyright © 2011 Elsevier Inc. All rights reserved No part of this publication may be reproduced or transmitted in any form or by any means, electronic or mechanical, including photocopying, recording, or any information storage and retrieval system, without permission in writing from the publisher. Details on how to seek permission, further information about the Publisher’s permissions policies and our arrangements with organizations such as the Copyright Clearance Center and the Copyright Licensing Agency, can be found at our website: www.elsevier.com/permissions. This book and the individual contributions contained in it are protected under copyright by the Publisher (other than as may be noted herein). Notices Knowledge and best practice in this field are constantly changing. As new research and experience broaden our understanding, changes in research methods, professional practices, or medical treatment may become necessary. Practitioners and researchers must always rely on their own experience and knowledge...
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...Welcome to the United States A Guide for New Immigrants M-618 (rev. 09/07) Welcome to the United States A Guide for New Immigrants Revised Edition U.S. GOVERNMENT OFFICIAL EDITION NOTICE This is the Official U.S. Government edition of this publication and is herein identified to certify its authenticity. Use of the ISBN 978-016-078733-1 is for U.S. Government Printing Office Official Editions only. The Superintendent of Documents of the U.S. Government Printing Office requests that any reprinted edition clearly be labeled as a copy of the authentic work with a new ISBN. The information presented in Welcome to the United States: A Guide for New Immigrants is considered public information and may be distributed or copied without alteration unless otherwise specified. The citation should be: U.S. Department of Homeland Security, U.S. Citizenship and Immigration Services, Office of Citizenship, Welcome to the United States: A Guide for New Immigrants, Washington, DC, 2007, Revised Edition. USCIS has purchased the right to use many of the images in Welcome to the United States: A Guide for New Immigrants. USCIS is licensed to use these images on a non-exclusive and non-transferable basis. All other rights to the images, including without limitation and copyright, are retained by the owner of the images. These images are not in the public domain and may not be used except as they appear as part of this guide. This guide contains information on a variety of topics that...
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...pResented by the society of ActuARies, the cAsuAlty ActuARiAl society And the cAnAdiAn institute of ActuARies Risk Management: The Current Financial Crisis, Lessons Learned and Future Implications Copyright 2008 by the Society of Actuaries. R I s k M a n a g e M e n T: the current financial crisis, lessons learned and future implications introduction the current financial crisis presents a case study of a “financial tsunami” (as former federal Reserve chairman Alan Greenspan recently called it) on what can go wrong. its ramifications are far-reaching and the lessons learned will be embedded in risk management practices for years to come. As one of the premier enterprise risk professions in practice today, the actuarial profession is sharing its substantial insight into what went wrong and the implications for the future. on behalf of the society of Actuaries, the casualty Actuarial society and the canadian institute of Actuaries, we are pleased to provide a series of essays on Risk Management: The Current Financial Crisis, Lessons Learned and Future Implications. this e-book is the result of a call for essays on the subject coordinated by the following groups: • • • • The Joint Risk Management Section of the Society of Actuaries, Casualty Actuarial Society and Canadian institute of Actuaries The Investment Section of the Society of Actuaries International Network of Actuarial Risk Managers Enterprise Risk Management Institute International ...
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...Bad Bug Book Handbook of Foodborne Pathogenic Microorganisms and Natural Toxins Introduction Food safety is a complex issue that has an impact on all segments of society, from the general public to government, industry, and academia. The second edition of the Bad Bug Book, published by the Center for Food Safety and Applied Nutrition, of the Food and Drug Administration (FDA), U.S. Department of Health and Human Services, provides current information about the major known agents that cause foodborne illness. The information provided in this handbook is abbreviated and general in nature, and is intended for practical use. It is not intended to be a comprehensive scientific or clinical reference. Under the laws administered by FDA, a food is adulterated if it contains (1) a poisonous or otherwise harmful substance that is not an inherent natural constituent of the food itself, in an amount that poses a reasonable possibility of injury to health, or (2) a substance that is an inherent natural constituent of the food itself; is not the result of environmental, agricultural, industrial, or other contamination; and is present in an amount that ordinarily renders the food injurious to health. The first includes, for example, a toxin produced by a fungus that has contaminated a food, or a pathogenic bacterium or virus, if the amount present in the food may be injurious to health. An example of the second...
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...B2B Brand Management Philip Kotler ´ Waldemar Pfoertsch B2B Brand Management With the Cooperation of Ines Michi With 76 Figures and 7 Tables 12 Philip Kotler S. C. Johnson & Son Distinguished Professor of International Marketing Kellogg School of Business Northwestern University 2001 Sheridan Rd. Evanston, IL 60208, USA p-kotler@kellogg.northwestern.edu Waldemar Pfoertsch Professor International Business Pforzheim University Tiefenbronnerstrasse 65 75175 Pforzheim, Germany waldemar.pfoertsch@pforzheim-university.de ISBN-10 3-540-25360-2 Springer Berlin Heidelberg New York ISBN-13 978-3-540-25360-0 Springer Berlin Heidelberg New York Cataloging-in-Publication Data Library of Congress Control Number: 2006930595 This work is subject to copyright. All rights are reserved, whether the whole or part of the material is concerned, specifically the rights of translation, reprinting, reuse of illustrations, recitation, broadcasting, reproduction on microfilm or in any other way, and storage in data banks. Duplication of this publication or parts thereof is permitted only under the provisions of the German Copyright Law of September 9, 1965, in its current version, and permission for use must always be obtained from Springer-Verlag. Violations are liable for prosecution under the German Copyright Law. Springer is a part of Springer Science+Business Media springeronline.com ° Springer Berlin ´ Heidelberg 2006 Printed in Germany The use of general descriptive names, registered...
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...HOW TO GET THE TRUTH IN 5 M I NU T E S OR LESS IN ANY CONVERSATION OR SITUATION DAVID J.LIEBERMAN, PH.D. ST. MARTIN'S GRIFFIN NEW YORK ACKNOWLEDGMENTS I would like to thank Jennifer Enderlin, my editor at St. Martin's. She is an exceptional talent whose ability is matched only by her boundless passion for her work. And to those who have worked tirelessly, my warmest thanks to the publicity, marketing, advertising, and sales departments at St. Martin's for their intense efforts and commitment: Alison Lazarus, John Cunningham, Steve Kasdin, John Murphy, Jamie Brickhouse, Mike Storrings, Janet Wagner, Mark Kohut, and James Wehrle, and to the entire Broadway Sales Department for their continued efforts on behalf of this book. A special thanks to St. Martin's publisher, Sally Richardson, for her vast enthusiasm and belief in this project. A thousand thanks to David Stanford Burr, production editor, and Nancy Inglis, copy editor, for their outstanding work on the manuscript. Their hard work and diligence is evident throughout this entire book. I would like to thank my agents, Michael Larsen and Elizabeth Pomada. The success of their agency is a clear reflection of their professionalism and dedication. In an industry of giants, they stand without equals. My infinite appreciation and gratitude to Barbara and William O'Rourke, who gave me the two things every writer needs: tranquility and computer help. And my thanks to Laurie Rosin, one of the nation's...
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...Vance Packard With an Introduction by Mark Crispin Miller PUBLISHING Brooklyn, New York Copyright © 1957, 1980 by Vance Packard Originally published by Pocket Books, a division of Simon & Schuster, Inc. Introduction Copyright 2007© by Mark Crispin Miller All rights reserved. Printed in Canada Reissue Edition 10 9 8 7 6 5 4 3 2 No part of this book may be used or reproduced in any manner without written permission of the publisher. Please direct inquiries to: Ig Publishing 178 Clinton Avenue Brooklyn, NY 11205 www.igpub.com Library of Congress Cataloging-in-Publication Data Packard, Vance Oakley, 1914The hidden persuaders / Vance Packard ; [new] introduction by Mark Crispin Miller. p. cm. Originally published in 1957 by McKay and reissued in 1980 by Pocket Books with a new afterword. ISBN-13: 978-0-9788431-0-6 ISBN-10: 0-9788431-0-X 1. Advertising--Psychological aspects. 2. Consumers--Psychology. 3. Advertising, Political. 4. Propaganda. 5. Control (Psychology) I. Title. HF5822.P3 2007 659.101'9--dc22 2007027043 To Virginia CONTENTS Introduction by Mark Crispin Miller 1. The Depth Approach PERSUADING US AS CONSUMERS Z. The Trouble With People 3. So Ad Men become Depth Men 4. ....And The Hooks Are Lowered 5. Self-Images for Everybody 6. RX for Our Secret Distresses 1. Marketing Eight Hidden Needs 8. The Built-In Sexual Overtone 9. Back to the Breast, and Beyond 10. Babes In Consumerland 11. Class and Caste in the Salesroom 12. Selling Symbols...
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...Marketing Channel Strategy This page intentionally left blank Eighth Edition Marketing Channel Strategy Robert W. Palmatier University of Washington’s Foster School of Business Louis W. Stern Northwestern University’s Kellogg School of Management Adel I. El-Ansary University of North Florida’s Coggin College of Business Boston Columbus Indianapolis New York San Francisco Upper Saddle River Amsterdam Cape Town Dubai London Madrid Milan Munich Paris Montréal Toronto Delhi Mexico City São Paulo Sydney Hong Kong Seoul Singapore Taipei Tokyo Editor in Chief: Stephanie Wall Acquisitions Editor: Mark Gaffney Program Manager Team Lead: Ashley Santora Program Manager: Jennifer M. Collins Director of Marketing: Maggie Moylen Executive Marketing Manager: Anne Fahlgren Project Manager Team Lead: Judy Leale Project Manager: Thomas Benfatti Operations Specialist: Nancy Maneri Cover Designer: Suzanne Behnke Creative Director: Jayne Conte Digital Production Project Manager: Lisa Rinaldi Full Service Vendor: Integra Software Services Pvt. Ltd. Full Service Project Manager: Anandakrishnan Natarajan/Integra Software Services Printer/Binder: Courier/Westford Cover Printer: Lehigh-Phoenix Text Font: 10/12, ITC Garamond Credits and acknowledgments borrowed from other sources and reproduced, with permission, in this textbook appear on appropriate page within text (or on page xix). Copyright © 2015 Pearson Education, Inc., publishing as Prentice...
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...Kautilya's Arthashastra Translated into English by R. Shamasastry Kautilya's Arthashastra Translated into English by R. Shamasastry Kautilya's Arthashastra Table of Contents Book I, "Concerning Discipline" .............................................................. 3 Book II, "The Duties of Government Superintendents" ....................... 60 Book III, "Concerning Law" ................................................................. 213 Book IV, "The Removal of Thorns"...................................................... 285 Book V, "The Conduct of Courtiers" ................................................... 336 Book VI: The Source of Sovereign States ............................................ 362 Book VII, "The End of the Six-Fold Policy" .......................................... 370 Book VIII: Concerning Vices and Calamities........................................ 467 Book IX, "The Work of an Invader" ..................................................... 490 Book X, "Relating to War" ................................................................... 521 Book XI, "The Conduct of Corporations" ............................................ 541 Book XII, "Concerning a Powerful Enemy" ......................................... 547 Book XIII, "Strategic Means to Capture a Fortress" ............................ 563 Book XIV, "Secret Means" ................................................................... 584 Book XV, "The Plan of a Treatise" ......
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...Economist readings 1. It pays to give Allowing consumers to set their own prices can be good for business; even better if the firms give some of it to charity http://www.economist.com/whichmba/it-pays-to-give?fsrc=nlw|mgt|01-12-2011|management_thinking [pic]IN OCTOBER 2007 Radiohead, a British rock group, released its first album in four years, “In Rainbows”, as a direct digital download. The move drew a fair bit of attention (including from this newspaper) not only because it represented a technological thumb in the eye to the traditional music industry, but also because the band allowed listeners to pay whatever they wished for it. Some 60% of those who seized the opportunity paid nothing at all, but the band seemed pleased with the result; one estimate had it earning nearly $3m from the experiment. One group outside the music industry taking an interest was a trio of professors then at the Rady School of Management at the University of California, San Diego: Ayelet Gneezy, Uri Gneezy and Leif Nelson (who is now at the Haas School of Business at the University of California, Berkeley). Inspired, they designed a series of experiments to gauge whether pay-what-you-want pricing would work for other businesses. Their most recent experiment, co-authored with Amber Brown of Disney Research and published in Science, also stirred in a new element: would it make any difference if firms donated some of the pay-what-you-want fee to charity? The authors set up their pricing experiment...
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...Finance 4300: Corporate Finance Dr. Pan College of Business and Economics California State University, East Bay Spring 2011 1 T1-1 FIN 4300 Topic 1: Introduction to Corporate Financing 1.1 What Is Corporate Finance 1.2 Types of securities issued by corporations (1) Common Stock (2) Preferred Stock (3) Corporate Debt 1.3 Venture Capital, IPOs, and Seasoned Offerings 2 T1-2 What Is Corporate Finance? Corporate finance can be broken down into: (1) the investment (or capital budgeting) decision; and (2) the financing decision. The firm has to decide (1) how much to invest and which real assets to invest in and (2) how to raise the necessary cash. Balance Sheet The balance sheet presents the accounting value of assets and the source of money used to purchase those assets at a particular time. Current Assets Cash & Marketable Securities Receivables Inventories Fixed Assets Plant & Equipments Less accumulated depreciation Current Liabilities Long‐Term Debt Shareholders' equity Total assets = Total liabilities & Equity Income Statement The income statement is a financial statement listing the revenues, expenses, and net income of the firm in a period of time. Net sales (Cost of goods sold) (Selling, general & administrative expenses) (Depreciation) Earnings before interest & taxes (Interest Expenses) Taxable Income (Taxes) Net Income (Dividends) Retained Earnings 3 T1-3 Corporate...
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