...currency bitcoin to increase the speed, and slash the price, of international money transfers, raising the prospect of a revolution in the $600bn annual global remittance market. Soaring rates of mobile phone use in developing countries are helping the entrepreneurs compete with more usual forms of money transfer in countries where remittance rates and fees are highest. Many of the world’s poorest people depend on money sent to them from friends and family abroad. According to World Bank figures for 2011, nearly half of Tajikistan’s GDP is derived from remittances, while in Liberia, Lesotho, Nepal and Haiti they account for more than a fifth of GDP. Entrepreneurs claim they are using bitcoin to give some of the world’s poorest people a better deal on the money they receive from abroad. The World Bank calculates the average fee on remittances at 8%, yet charges can be three times as high. A report from the Overseas Development Institute (published in April 2014 , said the benefits of remittance transfers “are lost in intermediation as a result of high charges. Africa’s diaspora pays 12% to send $200 – almost double the global average.” Bitcoin could also cut the time it takes to send remittances. BitPesa, a Kenyan mobile money transfer firm that launched in May, says its remittance transactions are “twice as fast and 75% cheaper” than competitors, because it uses bitcoin to transfer funds. Elizabeth Rossiello, BitPesa’s founder and CEO, said: “We’re looking to bring...
Words: 761 - Pages: 4
...Course No. 800-899 Not transferable to a bachelor degree. Accepted for Associated Degree from CCSF. Course No. 0001-9999 are non credit courses. The California State University grants transfer credit courses No. 1-799. Except for some courses in Child Development, English, English as a Second Language and Engineering Technology and Health. Those courses which are transferable to California State University for elective credit are labeled with “CSU” Courses do not accept for transferable: BTEC 108A, CDEV 108A, ESL 20,23,26,75,85,110,112,120,120A,120B,122,130,132,142 ENGL 9,90,91,92,93,94,96 ET 108A, HLTH 8. Admission as a transfer student: Completing minimum 60 transferable unit (CCSF course No. 1-799 except for some non-degree applicable: Biotechnology, Child Development, English, English as a Second Language, Engineering Technology, and Health Education) Grade point 2.4-2.8 grade point average in all transferable units. A minimum of 30 units of General Education with grades of C or better including A1 Oral Communication, A2 Written Communication, A3 Critical Thinking, B4 Quantitative Reasoning. A1 = ESL 79, Speech 1A, 3,4,6,11,12,20 A2 = ENGL 1A A3 = ENGL 1B, 1C, Philosophy 2,4,40, Speech 2 They do no accept more than 70 semester units of community college credit ? Candidates for a bachelor’s degree must satisfy the requirement in American Institution and United States History by completing one course from each of Group 1. Political...
Words: 471 - Pages: 2
...College Credit Through Advanced Standing Produced by the Office of Academic Services This manual is accurate as of the date of publication. As new information becomes available, it will be posted to the online version, available through the Academic Services web site, www.nvcc.edu/aboutnova/directories--offices/administrative-offices/academic/index.html. Revised June 2012 Table of Contents INTRODUCTION ........................................................................................................... 3 PURPOSE .................................................................................................................................3 TYPES OF ADVANCED STANDING ...................................................................................................3 GENERAL PROCEDURES ...............................................................................................................4 EVALUATION RESPONSIBILITIES .....................................................................................................5 SECTION 1—CREDITS FROM POST-SECONDARY INSTITUTIONS ........................................ 7 GENERAL CONDITIONS ................................................................................................................7 GENERAL EDUCATION TRANSFER CREDIT FOR STUDENTS WITH PREVIOUS DEGREES ..................................9 EVALUATION OF INTERNATIONAL TRANSCRIPTS .....................................................................
Words: 11912 - Pages: 48
...Fleming College Faculty of Business and Hospitality Course Outline2014 Winter ------------------------------------------------- Course Number: BUSN151 EFFECTIVE BUSINESS PRESENTATIONS Program: Project Management Course Format: In Person Hours: 45 Faculty: Albert Mastromartino Office: 640 Office Hours: As posted Availability: By appointment Email: albert.mastromartino@flemingcollege.ca Coordinator: Raymond Yip Choy Office: 610B Email: Raymond.YipChoy@flemingcollege.ca Chair: Deb Holts Office: 381B Email: deb.holts@flemingcollege.ca Dean: Jim Drennan Office: 648 Email: jdrennan@flemingc.on.ca Additional Comments: We urge you to retain this Course Outline for future reference. Course Outlines may assist with portfolio development, credit transfer, PLAR, advanced standing, and accreditation with professional associations. Course Description: Students learn to use appropriate presentation skills and effective meeting techniques in project management to achieve defined objectives. Using a variety of presentation techniques, students will be responsible for planning, preparing, and delivering a variety of presentations including a formal business presentation. Prerequisites: None. Corequisites: None. This course contributes to the following learning outcomes or essential knowledge and skills required by learners as defined by Ministry...
Words: 2097 - Pages: 9
...comfortable receiving criticism, and not view it as an affront. As a result, they improved their writing by taking the time and care to consider and respond to reader insight. I want my students to feel secure in the knowledge that nobody is beyond criticism (even their teacher), and that the bigger challenge is developing the good sense to acknowledge and successfully respond to feedback. Along those lines, I also offer the suggestions below about teaching writing: 1. Writers are the Best Writing Teachers To teach effective writing, we must be effective writers ourselves. We can't teach what we don't know, and when it comes to writing, it's important to continue honing our craft. If you haven't engaged in much formal writing since college, you will remain a less effective writing teacher. No matter what subject you teach, try...
Words: 10753 - Pages: 44
...UNIVERSITY OF THE PHILIPPINES COLLEGE OF ENGINEERING DEPARTMENT OF MECHANICAL ENGINEERING DETERMINATION OF THERMAL CONDUCTIVITY OF WASTE MATERIAL (PLASTICS) MECHANICAL ENGINEERING LABORATORY 2 ME 11L SUBMITTED BY: Alega, Ulysses Jr. H. Bicaldo, Mark Zedrick L. Engaño, Moises A. Sabida, Ricalyn B. SUBMITTED TO: Engr. Manuel E. Europeo March 10, 2014 INTRODUCTION Heat conduction (or thermal conduction) is the transfer of internal energy by microscopic diffusion and collisions of particles or quasi-particles within a body due to a temperature gradient. The microscopically diffusing and colliding objects include molecules, electrons, atoms, and phonons. They transfer disorganized microscopic kinetic and potential energy, which are jointly known as internal energy. Conduction can only take place within an object or material, or between two objects that are in direct or indirect contact with each other. Conduction takes place in all forms of ponderable, such as solids, liquids, gases and plasmas. Whether by conduction or by thermal radiation, heat spontaneously flows from a hotter to a colder body. In the absence of external drivers, temperature differences decay over time, and the bodies approach thermal equilibrium. In conduction, the heat flow is within and through the body itself. In contrast, in heat transfer by thermal radiation, the transfer is often between bodies, which can be spatially separate. Also possible is transfer of heat by a combination of...
Words: 3390 - Pages: 14
...This page intentionally left blank SEVENTH EDITION Fundamentals of Heat and Mass Transfer THEODORE L. BERGMAN Department of Mechanical Engineering University of Connecticut ADRIENNE S. LAVINE Mechanical and Aerospace Engineering Department University of California, Los Angeles FRANK P. INCROPERA College of Engineering University of Notre Dame DAVID P. DEWITT School of Mechanical Engineering Purdue University JOHN WILEY & SONS VICE PRESIDENT & PUBLISHER EXECUTIVE EDITOR EDITORIAL ASSISTANT MARKETING MANAGER PRODUCTION MANAGER PRODUCTION EDITOR DESIGNER EXECUTIVE MEDIA EDITOR PRODUCTION MANAGEMENT SERVICES Don Fowley Linda Ratts Renata Marchione Christopher Ruel Dorothy Sinclair Sandra Dumas Wendy Lai Thomas Kulesa MPS Ltd. This book was typeset in 10.5/12 Times Roman by MPS Limited, a Macmillan Company and printed and bound by R. R. Donnelley (Jefferson City). The cover was printed by R. R. Donnelley (Jefferson City). Founded in 1807, John Wiley & Sons, Inc. has been a valued source of knowledge and understanding for more than 200 years, helping people around the world meet their needs and fulfill their aspirations. Our company is built on a foundation of principles that include responsibility to the communities we serve and where we live and work. In 2008, we launched a Corporate Citizenship Initiative, a global effort to address the environmental, social, economic, and ethical challenges we face in our business. Among the issues we are addressing...
Words: 55208 - Pages: 221
...A PROJECT ON STUDY OF CASH MANAGEMENT AT STANDARD CHARTERED BANK SUBMITTED IN PARTIAL FULFILLMENT OF BACHELORS OF MANAGEMENT STUDIES L S RAHEJA COLLEGE OF ARTS AND COMMERCE UNIVERSITY OF MUMBAI ACADEMIC YEAR 2010-2011 SUBMITTED BY: BINAY ROY PROJECT GUIDE: PROF. NAVEEN ROHATGI DECLARATION This is to certify that the project report ‘Study of Cash management at Standard Chartered Bank’ is submitted by me in partial fulfillment of the requirement of Bachelors of Management Studies in the academic year 2010-2011. The information it comprises of is true and original as per my research and observation. ----------------------------- Signature of the Student (Name of the Student) CERTIFICATE This is to certify that Mr. Binay Roy has completed the project ‘Study of cash management at standered chartered bank’ under the guidance of Prof. Naveen Rohatgi in the academic year 2010-2011 and has submitted the same to the University of Mumbai in partial fulfillment of the requirement of the Bachelors of Management Studies courses. -------------------------------- ---------------------------------- Signature of the Principal Signature of the Project Guide (Dr. Ms. M.B.Madlani) (Prof. Naveen Rohatgi) ------------------------------------------ Signature of the External Examiner. ACKNOWLEDGEMENT I would...
Words: 11265 - Pages: 46
...5 of 8 market potential analysis 1. Market size 2. Market growth rate 3. Market intensity 4. Market consumption capacity 5. Commercial infrastructure 6. Economic freedom 7. Market receptivity 8. Country risk 2. define ethnocentric stuffing and identify their advantage and disadvantages Adv: * re-creating local operations * consistent value sharing * managers company loyalty disadvantages: * higher costs for relocation * barriers to management in the local offices 3. as developing pricing strategies, list the main factors which affects pricing decisions 1. Transfer prices 2. Arms length (or free market prices) 3. Price controls 4. Dumping 4. list 4 common methods which an international company uses to recruit human resources 1. current employees (internal search) 2. recent college graduates 3. local managerial talent 4. non- managerial/skill workers 5. list the major 4 steps for a company which intends to develop the export strategy * Step1- identify a pontential market * Step2- match need to abilities * Step3- initiate meetings * Step4- commit resources 6. briefly differentiate between pull and push promotional strategies; * Pull- create buyers product demand which encourages distributers to stock the companies product (pull customers/buyers). Direct marketing example: procter end gamble, mary kay; amway * push- to preasure distributers to carry the companies...
Words: 350 - Pages: 2
...PAKISTAN NAVY ENGINEERING COLLEGE HEAT & MASS TRANSFER LAB MANUAL ENGINEERING SCIENCES DEPARTMENT HEAT & MASS TRANSFER LAB MANUAL ENGINEERING SCIENCES DEPARTMENT LAB INSTRUCTIONS 1. No late submissions 2. If you miss the submission time, you will be marked zero in that lab 3. If cheating or plagiarism is observed in the lab report, zero will be marked in that lab. 4. Detailed calculations should be shown. 5. Neat work will earn good marks. 6. Graphs should be made by hands. MS excel graphs will not be accepted. LAB MARKS DISTRIBUTION LAB REPORT/ ATTENDENCE | 50% | LAB PERFORMANCE | 10% | MID TERM ASSESMENT/QUIZES | 10% | FINAL LAB ASSESMENT | 30 % | TOTAL | 100% | TABLE OF CONTENTS S.NO | DATE | OBJECTIVE | PAGE NO | SIGNATURE | 1. | | To show that the intensity of radiation on a surface is inversely proportional to the square of the distance of the surface from the source of radiation | | | 2. | | To show the intensity of radiation various as fourth power of source. | | | 3. | | Determination of barrier temperature gradient between two different metals in end to end pressure contact. | | | 4. | | To perform energy balance on air flowing throw a duct heated by cylindrical rod | | | 5. | | To perform energy balance on air flowing throw a duct heated by cylindrical rod using DAQ | | | 6. | | Determination of a mean surface heat transfer coefficient for tubes...
Words: 4135 - Pages: 17
...EG2002 Process Engineering Continuous Assessment Report Heat Exchange Laboratory By Thomas A. Lindie 51011245 School of Engineering University of Aberdeen Kings College 2011-12 Table of Contents Contents Table of Contents I List of Figures II List of Tables II Symbols and Abbreviations III 1. Introduction 1 1.1 Background 1 1.2 Aims and Objectives 1 1.3 Structure of the Report 2 2. Background Theory 3 3. Experimental Methodology 6 4. Results 8 4.1 Tables of Co-Current and Counter-Current flow taken from Result Table 8 4.1.1 Table of Co-Current Flow at Steady State 8 4.1.2 Table of Counter-Current Flow at Steady State 8 4.2 Log Mean Temperature Different (LMTD) Calculations 9 4.3 Calculating the Duty of the HEX and the Efficiency 10 4.4 Graphs of Results for Co-Current and Counter-Current Flow 12 5. Discussion and Analysis 13 5.1 Log Mean Temperature Different (LMTD) Calculation Analysis 13 5.2 Efficiency of the Heat Exchanger 14 5.3 Errors in Laboratory 14 6. Conclusions and Recommendations 15 Bibliography 16 List of Figures Figure 1: 3D View of Shell and Tube heat exchanger taken from http://www.secshellandtube.com/ 3 Figure 2: Shell and Tube heat exchanger flow pattern taken from http://www.cheresources.com/content/articles/heat-transfer/specifying-a-liquid-liquid-heat-exchanger 3 Figure 3: Screenshot taken from co-current experiment on Armfield Programme 7 Figure 4:Graph of Co-Current Flow 12 Figure...
Words: 3933 - Pages: 16
...COGON GRASS AS THERMAL INSULATING MATERIAL KRISELLE ANNE A. GERPACIO A Thesis Outline Submitted to the Department of Civil Engineering, College of Engineering and Computing, University of Southern Mindanao, Kabacan, Cotabato in Partial Fulfillment of the Requirements for the Degree of BACHELOR OF SCIENCE IN CIVIL ENGINEERING DECEMBER 2014 INTRODUCTION Significance of the Study Cogon grass known as Imperata cylindrical is considered as the one of the worst weed because it destroys the land where it grows. It deteriorates the nutrients of the soil thus creating problems to farmers. Hence, the researcher would like to study if this grass can be a substitute as thermal insulating material. If it can be an alternative, this research would really give great help to many farmers. Objectives of the Study The main objective of this study is determine whether Cogon grass can be a substitute as thermal insulator as compared to other traditional thermal insulating materials. Specifically, this study aims to: 1. determine the thermal resistance (R) of Cogon grass as thermal insulating material; 2. determine the thermal conductivity (k) of Cogon grass as thermal insulating material; 3. determine how much heat (Q) trasmit to the layer of the Cogon grass per second; and, 4. determine how much is the temperature gradient or temperature difference per unit thickness of piled Cogon grass. Scope and Limitation of the Study The study will be...
Words: 3964 - Pages: 16
...Investigation on Performance of Vortex Tube with Four and Six Inlet Nozzle Snehal Bharat Bhote†, Kiran Devade‡ †‡Department of Mechanical Engineering, Indira College of Engineering and Management, Pune, India Abstract The vortex tube is a device used for generation of cold and hot air streams from compressed air. This simple device is very efficient in separation of air streams into two different temperatures streams. Cold air coming out of vortex tube can be used for air conditioning and refrigeration purpose. Cold mass fraction of vortex tube is considerably influenced by its thermo physical and geometrical parameters. Present study deals with the experimental investigation on the effect of these geometrical and thermo physical...
Words: 1680 - Pages: 7
...30 GOOD PRACTICE CASE STUDIES IN UNIVERSITY-BUSINESS COOPERATION PART OF THE DG EDUCATION AND CULTURE STUDY ON THE COOPERATION BETWEEN HIGHER EDUCATION INSTITUTIONS AND PUBLIC AND PRIVATE ORGANISATIONS IN EUROPE EUROPEAN COMMISSION Directorate-General for Education and Culture Directorate C: Lifelong learning: higher education and international affairs European Institute of Innovation and Technology; economic partnership Public open tender EAC/37/2009: CONTENTS CONTENTS INTRODUCTION Scope of report Introduction to UBC Elements in the UBC Ecosystem 5 5 5 5 AIMS & METHODOLOGY Introduction Objective Process for selection Basis for selection Countries considered in the selection of the cases Case study partners 7 7 7 7 8 8 9 CASE STUDIES Case study key insights Classification of countries Nature of case study Case study quick-find 10 10 12 12 13 NORTHERN Europe Case 1: SEA, Denmark Case 2: ETM, Estonia Case 3: Demola, Finland Case 4: REAP, Ireland Case 5: Mobility at UL, Latvia Case 6: CSE, Sweden Case 7: SMIL, Sweden Case 8: SPEED, UK Case 9: IDI/Digital City, UK Case 10: Acua Limited, UK 18 19 25 30 35 41 46 52 57 63 70 76 80 84 90 96 EASTERN EUROPE Case 11: GIS, Bulgaria Case 12: TTO Pécs, Hungary Case 13: The Science and Economy Project, Poland Case 14: WCTT, Poland Case 15: Q-PlanNet, Romania 75 1 © Science-to-Business Marketing Research Centre CONTENTS SOUTHERN EUROPE Case 16: MUHC, Malta Case 17: PNICube...
Words: 60370 - Pages: 242
...Course Syllabus ------------------------------------------------- CM 107:College Composition I TABLE OF CONTENTS Ctrl & Click on a link below to view that section in the Syllabus. Course Calendar | Grading Criteria/Course Evaluation | Policies | Course Description | Instructor’s Grading Criteria/Timetable | Projects | Course Information | Instructor and Seminar Information | Rubrics | Course Materials | Kaplan University Grading Scale | Seminars | Course Outcomes | Netiquette | Tutoring | Discussion Boards | | | COURSE INFORMATION TOP Term: 1204B Dates: October 17th-December 24th Course Number/Section: CM 107-28 Course Title: CM 107- College Composition I Credit Hours: 5 Prerequisites: Any Academic Strategies course or any Eight Skills of the Effective Student Course. It is strongly recommended that you complete the Campus Tour, available on your Student Homepage. This essential tutorial discusses hardware and software requirements as well as presenting an overview of learning with the eCollege platform. INSTRUCTOR AND SEMINAR INFORMATION TOP Instructor Name and Credentials: Erica Wright Kaplan Email Address: ewright@kaplan.edu Office Hours (ET): By appointment Google Chat™ will be used to communicate with the instructors during office hours. Please review the Google Chat Quick Start Guide for an overview of the system. Course/Seminar Day and Time (ET): Wednesdays from 10pm-11pm...
Words: 4606 - Pages: 19
