...Words Commonly Confused Worksheet Part 1: For each of the following sentences, circle the word or words that best complete the sentence correctly. 1. I couldn’t decide (which / witch) color shoes I wanted. 2. If a cat falls (of / off) the counter, it will land on its feet. 3. Make sure you do (your / you’re) homework right after school. 4. I talked (to / too / two) my brother yesterday. 5. (Are / Our) you going to be on (are / our) baseball team? 6. He bought (to / too / two) speakers (to / too / two) complete his stereo system. 7. I saw (their / there / they’re) mom sitting (their / there / they’re). 8. I think (their / there / they’re) in trouble! 9. New surgeries for blind people can restore (their / there / they’re) sight. 10. The dog chewed on (its / it’s) squeaky toy. 11. My neighbor dressed as a (which / witch) for Halloween. 12. She couldn’t remember (were / where) she had put her purse. 13. I would rather be poor and happy (than / then) rich and sad. 14. Do you think (its / it’s) going to rain? 15. (Know / No), you may not go to that concert unless (your / you’re) 18. 16. After practice, I walked (strait / straight) to my bed, (to / too) tired to eat. 17. (Were / Where) you scared during the movie at all? 18. Clean your room, and (than / then) you may watch TV. 19. The site of the new shopping mall will be over (their...
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...Childhood Cooking Beckie Wakefield ITT Tech Childhood Cooking Think back to childhood years and those few things done at home with mom or dad that seemed so small then but have come to be a favorite memory. Of all the aspects of my childhood one of the most influential and memory filled was cooking in the kitchen with my mother. In addition to cooking being a favorite memory for me I believe it is a great activity to do with children, it is a useful lifelong skill and it is relaxing and enjoyable. I am grateful that I was taught how to cook and how to enjoy cooking as a child. It has filtered into my life as an adult and my family now. I can recall the wonderful smells of the traditional fall time cooking, apple crisp, whoopee pies and my favorite fresh chocolate chip cookies wafting through my little house in the woods of Maine. I am happy to be able to include Makenzie in the joy I get from cooking. I remember how thrilled I was to come home and see ingredients set out on the counter and know that mom had a new recipe project to do. I can now repeat those projects with Makenzie, it is so satisfying to see her get excited to learn from me and do something we’ll both always remember. Cooking is a great bonding time for a child and adult it is fun and children can be inventive and not realize that what they are being taught will follow them through life. Besides the nostalgic aspects of learning to cook throughout childhood and growing up into an adult it has come to...
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...First Week Writing Assignment: Tell Me About You! Length – 3 full pages minimum Due: Wednesday, August 28th Worth: 25 points As an introduction to Composition II, I’d like for you to write me a short essay about yourself! This assignment will help me to get to know you and also to determine the course subject matter over the semester, discussing topics and issues each of you find important. In this assignment, I would like the following: * A short introduction about yourself, discussing your interests, hobbies, and any other background information you want to share * A brief run-down of your academic interests and history – how far along are you in college? What’s your major? What do you think you want to do with your degree? * Then, write me a page or so about an issue or topic you’re passionate about. If you can, try to find an arguable thesis or commanding idea on your position, and argue that point of view to me (e.g., I really enjoy movies, but I believe the annual blockbuster production cycle hurts the art form in many ways, such as…). This can be any topic of political, social, or personal interest to you! It will help me understand your interests and guide you towards writing assignments you care about. * It should conform to all standards of MLA formatting rules and guidelines. If you include any quotations, please document them accordingly. All papers this semester will require this. Slap your name and the date on it, and hand it in at the...
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...Exploratory Paper: As Technology grows, there are more and more virtual schools popping up around the country. With this happening there are a few questions that you must ask yourselves. Is the education that you get from an online school as good or equal to the traditional school system? Can all students succeed in the online environment? Will students learn as much from an online course as they would in a face-to-face classroom setting? Are the degree’s that you may receive from these schools as good or treated as equal to an actual physically attended college degree? Some students feel different about this subject. Taking online classes makes more sense to them in their lifestyle or family situation. The students who take online classes may not be able to attend a traditional college, they may have concerning issues that will not allow this, whether it be having to raise a child and not being able to find adequate child care, or maybe just the cost of the actual school. There are students that do a mixture of both online and traditional classes. They take the classes that they can at a traditional college then take classes online as well. The mostly do this all at the same college that they attend. They may have some of the same issues in life and college but still find time to make it to a regular class room setting. This way they can choose and see what classes they can sign up for and take the rest online. So when comparing the degree’s that you get from...
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...Ban Cell Phone Use While Driving Amber R. Muniz Kaplan University Ban Cell Phone Use While Driving A cell phone wielding driver weaving in and out of traffic and drifting across lanes, because they are completely distracted by the device in their hand, may be all too familiar. When using a cell phone while driving, it impairs the persons driving abilities as much as a person with a 0.08 blood alcohol level. Think of the drivers that you pass daily; how many were using cell phones? Imagine if all of those drivers were drinking instead of using their cell phones behind the wheel. Cell phone use while driving is dangerous because it causes slower response time and reduces the situational awareness of the driver. The best solution to this issue is to ban the use of cell phones while driving. “Motor vehicle crashes are the number one cause of death in the United States for 3 to 34 year olds. Crashes are among the top three causes of death throughout a person’s lifetime. They also are the number one cause of work-related death. Annually, more U.S. soldiers are killed in crashes in privately-owned vehicles than all other Army ground accidents combined” (National Safety Council, 2010) Distracted drivers using cell phones cause about 2,600 traffic fatalities and 330,000 accidents every year (Richtel, 2009). Many drivers talk, text, and respond to their e-mails while trying to drive. People that use cell phone while driving are not aware of their surroundings....
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...CHAPTER I: INTRODUCTION 1. THEME OF THE STUDY Risk management underscores the fact that the survival of an organization depends heavily on its capabilities to anticipate and prepare for the change rather than just waiting for the change and react to it. The objective of risk management is not to prohibit or prevent risk taking activity, but to ensure that the risks are consciously taken with full knowledge, purpose and clear understanding so that it can be measured and mitigated. It also prevents an institution from suffering unacceptable loss causing an institution to suffer or materially damage its competitive position. Functions of risk management should actually be bank specific dictated by the size and quality of balance sheet, complexity of functions, technical/ professional manpower and the status of MIS in place in that bank. 1.2 INTRODUCTION Risk: the meaning of ‘Risk’ as per Webster’s comprehensive dictionary is “a chance of encountering harm or loss, hazard, danger” or “to expose to a chance of injury or loss”. Thus, something that has potential to cause harm or loss to one or more planned objectives is called Risk. The word risk is derived from an Italian word “Risicare” which means “To Dare”. It is an expression of danger of an adverse deviation in the actual result from any expected result. Banks for International Settlement (BIS) has defined it as- “Risk is the threat that an event or action will adversely affect an organization’s ability...
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...How is farcical humour used in Blackadder? (Target from last piece: consider your points and whether they are fully representative of the character) “Blackadder” takes brief snapshots from arguably Britain’s darkest periods in history, in this series the First World War, and uses humour in adversity. Due to the distance from the event, the audience is able to witness the experience of the front line from a different, and arguably more human perspective. Extravagant, melodramatic characters such as Melchett act serve the dual purpose of being both humorous and serve to the greater effect of providing a (belated) scathing social commentary. Likewise, underneath both George’s seemingly indestructible patriotism and Baldrick’s brainlessness, the audience are presented with two soldiers who are heedless to the realities of the war. Moreover, Blackadder’s use of epigrammatic humour further illustrates the incompetence of the commanding class above him. Lord Melchett is unintelligent, pompous and completely ignorant of the fact that the men are terrified of their impending deaths. When visiting the front line, Melchett patronisingly asks, as if addressing an “intelligent foreigner”, “Are-you-looking-forward-to-the-big-push?” He has no concept of soldiers' fear, and cannot understand why Blackadder and Baldrick are reluctant to fight (and presumably die) in a plan that is ridiculous to the point of being hyperbolic. Even asking if Baldrick is “looking forward” to going over the top...
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...The pros and cons of regulating corporate reporting:A critical review of the arguments Robert Bushman, Wayne R. Landsman Accounting and Business ResearchVol. 40, Iss. 3, 2010 Introduction There were a series of scandals in the UK in the 90’s which resulted in the collapse of Barings Bank, due to this the Financial Services Authority changed the structure of financial regulation that consolidated regulation responsibilities. The aftermath of the financial crisis of 2007 to 2009 has drawn the financial accounting standard setting into the orbit of political processes focused on restructuring the regulation of the world’s financial markets. The crisis has ignited worldwide debate on issues of systemic risk and the role played by financial regulation in creating exacerbating the crisis. There have been proposals for how to regulate the financial markets and financial institutions should be changed to ease the potential for large scale financial meltdowns in the future. There are many aspects of the financial system under debate, including the alleged role played by financial accounting standards in deepening the trajectory of the crisis. The crisis has forced politicians, regulators and economists to scrutinise financial accounting standards and create pressure for change, which creates an opportune moment to consider how to organise the analysis of efficient regulatory choice. This paper lays out the basic arguments that have been put forth both for and against...
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...Review Essay In Canada recession was less severe and they face no banking failure due to the size and diversification in their large institution has maintained their stability. New Entrant was limited by Canadian government and I exchange chartered bank with provide them financial stability, in Canada focuses on banking sector that’s why brokers dealers and security market remain much at smaller .The banking system of branch was oliogiopolisty that imply the system which has limited supply of banking services and cost as compared to their competitors . In our previous work (Bordo et al., 1994) we analyzed that the Canadian banking is not categorized in higher cost as compared to US. The banking of Canada same returns on equity and largely used MMMFSs After 1987 they became a vital part of Canada banking, at that time government had given them permission to create MMMFs and half of total MMMFs are kept at bank which means that they are within the banking system. According to (Byung kyong & Niamh Sheridan,2012) Canada’s three large bank weighted average is two an half time smaller than Australia’s four major banks however non performing rate of housing loans in Australia and Canada are almost same in recent years. The mortgages in Canada are provided by Canada mortgage and Housing Corporation own by Government are assigned at weight of zero risk, therefore the lowest risk of residential mortgages of four large Canadian banking is almost 70% in comparison with 40% of major...
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...MICROFINANCE STANDARDS RATIOS A maturing microfinance industry needs standardized methods to measure and analyze financial performance and risk management. The proposed Microfinance Financial Reporting Standards: Measuring Financial Performance of Microfinance Institutions (the Standards) seeks to address this need. These Standards are designed for use by all microfinance institutions (MFIs): non-governmental organizations, non-bank financial institutions or companies, commercial banks, rural banks, credit unions, and cooperatives. Below are the detailed description of each ratio and table. 1. Profitability Ratios All MFIs, from non-profit NGOs, to for-profit banks, must be profitable over the long-term in order to be self-sustaining. Profitability allows an MFI to continue operating and to grow. Profitability ratio is any ratio that measures a company's ability to generate cash flow relative to some metric, often the amount invested in the company. Profitability ratios are useful in fundamental analysis which investigates the financial health of companies. An example of a profitability ratio is the return on investment which is the amount of revenue an investment generates as a percentage of the amount of capital invested over a given period of time. Other examples include return on sales, return on equity, and return on common stock equity. Operational Self-Sufficiency (originally called “Operating Self-Sufficiency” or OSS) and Financial Self-Sufficiency (FSS)...
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...Justin Lowery 10-11-2013 Week 9 Thesis paper: In Today’s culture, the original horror movie genre, takes the horror movie form seriously, and provides an often-scary portrait of evil. While it’s remakes, or rebuts, know in today’s society, are more vulgar, and tell more of a back story, in the inner mind, of the antagonist, however this being in a comical, yet more violent and macabre demeanor. The two prime examples of this are, John Carpenters Halloween (1978), and Rob Zombie’s Halloween (2007). The Original Halloween was a low budget film, with a budget of one hundred thousand dollars. With a cast P.J Soles as Linda, Nancy Loomis as Annie, Charles Crypers as Sheriff Meeker, Donald Pleasance as Dr. Sam Loomis, and introducing Jamie Lee Curtis as Laurie Strode. The quick back-story of the movie, takes place on Halloween night 1963, the night he killed his sister. Then flashes back to the present, where he escapes from the sanitarium on a dark, and rainy night, and leads to the stalking of his sister Laurie Strode, and the taught and torment he puts her, and her friends through. The script was written in a form of pubertal darkness. The antagonist is known as the shape. The key visual points of the movie, are from the (POV) of the antagonist. This was one of the first movies, ever to put you, in the eyes, of the antagonist. This set a trend for other feature films, that occurred on later dates. For example, the title's The Hills Have Eyes, and Black Christmas. This...
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...Assess interpretations of Hatshepsut The female pharaoh, Hatshepsut, is arguably one of the most influential people of ancient Egypt. For thousands of years, the workings of Hatshepsut have been subject to multiple interpretations, from both her time and the modern day. An evaluation of the effectiveness of her reign can be resolved from the reliability and validity of evidence presented today, both primary and secondary. In one respect, Hatshepsut is viewed as the female pharaoh who had a particularly unsuccessful reign that was devoid of any real achievements. Historians writing in the 1970’s and 1980’s often made sexist and unfounded assumptions about Hatshepsut’s rule, including her apparent scheming to take the throne from the rightful heir, her inability to lead a military, and her untimely and unnatural death. Steindorff and Seele for example, describe Hatshepsut as a ‘high handed woman who kept her co-ruler on the sideline and thwarted his ambitions’. A suggestion like this however is challenged heavily by primary evidence and modern research. The idea that Hatshepsut’s relationship with Thutmose III wasn’t that of dictator and slave is shown through the acts of genuine respect she performed, such as not ‘getting rid’ of him when he was young as many other powerful figures would have, erecting monuments of both him and her, and also giving him control of the army. Historian Gardiner, similarly, emphasises Hatshepsut as ‘virile’ and ‘unable to achieve such power without...
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...The Effects of Culture on International Banking Disclosures George Hooia* aGriffith University, Australia Abstract This paper investigates the influence of national culture on banking disclosures. Seventeen developed and developing countries with a representative sample of 37 listed domestic commercial banks were examined in 2004. Long-term orientation is found to be a non-significant cultural value with banking disclosures. The explanatory power for banking disclosures is found to be similar to the findings in Gray and Vint (1995) with a cross-section of industries. More importantly, this study recommends that long-term orientation should not be used as part of the cultural framework for disclosures due to bias data. Hence, Gray’s (1988) hypothesis on the secrecy / transparency dimension should be maintained with respect to the original four cultural values. JEL Classification: G21, M41, O57 Keywords: Culture, banking disclosures, transparency 1. Introduction The objective of this paper is to report on the empirical findings of the two research questions proposed by Hooi (2004) that may improve the Gray and Vint (1995) model of cultural influence on accounting disclosures. The first proposal was that extending the Gray and Vint study with the new inclusion of Hofstede and Bond’s (1988) cultural value of long-term orientation gives the opportunity to better understand the association between national culture and accounting disclosures. The second proposal...
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...About Ratings & Segments on IRB Approach João Pires da Cruz1 Introduction The Basel Committee on Banking Supervision, on the process of definition of the New Capital Accord, establishes a stepwise framework for regulatory capital allocation for credit risk, starting on what is designated as Standard Approach, in which banks must allocate capital according to regulatory rules, and finishing on what is designated as the Advanced IRB Approach, in which banks must allocate capital based on their own risk evaluation and on the committee guidelines for that evaluation. The committee defines several guidelines for the IRB Approach depending on the type of credit exposure but, technically, we can group the several lines of attach into two ways of deal with the credit portfolio, the rating approach, for the major exposures like banks, sovereigns and corporate; and the segmentation approach for retail and small business exposures. The most accepted credit risk frameworks are rating based models since, historically, the aim of the models was the bond market, the market of debt securities issued by stable corporations, banks and states. In this market, the assumption that a debt security is less risky than other debt security become the essence of the market, since debt issuers need to disclose information to lower the price of the debt security, affected by a risk premium over the interest rate. And the disclosed information includes rating agencies evaluations of financial figures...
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...Liquidity Requirements For Basel III The Basel Committee was birthed to aid the banking sector’s ability to deal with the impact of the changing financial environment. The committee hopes to improve risk management through times of financial and economic stress. These goals are executed through creating criteria for each bank to follow to regulate and improve management. The Basel Committee has outlined the regulations through a set of reform measures. The first version was released in 2009 and labeled Basel I, the second publication was labeled Basel II and released in 2010. Currently the efforts of the Basel Committee are outlined in Basel III, which aims to strengthen banks’ transparency through requirements of proper leverage ratios and capital requirements. The Basel Accords are built upon one another to better improve requirements. It directs banks that hold riskier assets to have more cushion to absorb the risk known as capital on hand so the portfolio is safer should a financial change occur. This is regulated by the publication made in the notes of the balance sheet. Banks must also maintain higher common equity including capital cushioning of 2.5% of assets. Liquidity requirements of Basel III are outlined in the Liquidity Coverage Ratio (LCR). It promotes short-term resilience of the bank’s liquidity risk profile. The bank must hold stock of high quality liquid assets (HQLA) that can easily be converted to cash in private markets to meet liquidity...
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