...Title: American Insurance Group (AIG) Group Name: Date: Executive Summary: Company Background American International Group, Inc. (AIG) is a world leader in insurance and financial services. It is a holding company for a network of subsidiaries primarily engaged in insurance and insurance-related activities, including property, casualty, life, financial services, retirement savings products, asset management, and aircraft leasing. It is headquartered in New York City, and operates in more than 130 countries and jurisdictions. In 2006, AIG had sales of $113 billion and 116,000 employees (Saporito, 2009). According to the 2008 Forbes Global 2000 list, AIG was once the 18th-largest public company in the world. Its common stock is listed on the New York Stock Exchange, as well as the stock exchanges in Ireland and Tokyo. AIG faltered in America’s sub-prime mortgage crisis. It had traded heavily in credit default swaps and could not meet its obligations. In that case, United States government came to its rescue with an $85 billion bailout on September 16, 2008. As of March 2009, AIG has taken a major step toward cleaning up its image by reorganizing its insurance units under American International Underwriters. It is the foreign general insurance segment of AIG. AIU and its subsidiary brands are now distinct from AIG (National News, 2009). The holding company, itself, is currently undergoing rebranding that includes a new name, which is expected to be revealed in the near...
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...CHAPTER 1 BACKGROUND OF THE STUDY Fiber- reinforced concrete contains fibrous materials which intensifies its structural integrity. Since concrete is weak in tension, the use of conventional steel bars reinforcement and to some extent by the mixing of a sufficient volume of certain fibers. Its fibers include steel, glass, synthetics or natural fibers which provide varying properties to concrete. Also, its character changes with varying concretes, fiber materials, geometries, distribution, orientation, and densities. Fibers have been used as a reinforcement since ancient times. In the 1900s, asbestos fibers were used in concrete. In the 1950s, the concept of composite materials came into being and fiber-reinforced concrete was one of the topics of interest. But due to health risks linked to asbestos, its substance in concrete and other building materials were replaced. Also, in the 1960’s, steel glass and synthetic fibers were used in concrete. Since then, new fiber-reinforced concretes are being researched to improve the tensile properties of concrete. FIBER REINFORCED CONCRETE ADVANTAGES PHILIPPINE ENVIRONMENTAL PROBLEMS The Environment of the Philippines is prone to natural disasters, particularly typhoons, floods, landslides, volcanic eruptions, earthquakes, and tsunamis, lying as it does astride the typhoon belt, in the active volcanic region known as thePacific Ring of Fire, and in the geologicall suitable region. The Philippines also suffers major human-caused environmental...
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...I. INTRODUCTION “Education is the most powerful weapon, which you can use to change the world” - Nelson Mandela Education Psychology is a branch of psychology that deals application of psychology to teaching and learning and as science it depends upon research for guidance and direction in promoting effective and responsible teaching that the teachers can use, it enhances the procedure of effective teaching, and it also gives a scientific approach for teaching in different knowledge, skills and values. [1] One of the purpose/ function of Education Psychology is to guides the teacher in understanding the characteristics of his/her learners in each stage of their development. The teacher/instructor must have a basic knowledge of growth development to be able to design an appropriate learning material according to the student’s development stage. In general, Educational psychology is important not only in the filed of psychology but also in the field of education. As a partial fulfillment in one of our major subjects, which is PSY05 (Educational Psychology) we are required to conduct a classroom observation in the Elementary or High School setting. This said requirement aims to make connections between theories and practices that we discussing in the said subject. Francisco G. Nepomuceno Memorial High School, the school that we chose of our group for our observation. FGNHMS or commonly known as City High Pandan is a public secondary...
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...Business Culture And Strategy Asessment Number 1 Word Count Student Number Table Of Contents 1. Outcome 1 2.1 External Forces that impact on Alphabet Games. A PESTEL (political, Economic, Socio-cultural, technological, environmental and legal) has allowed me to analyse Alphabet Games Macro environment and upon doing this have picked the four factors that I feel have influenced the company most. 2.2.1 Legal Factor The first factor I noticed was a legal one, which involved the black market and the rise in pirate copies of computer games. The lose of sales and profits can be expected due to customers purchasing these copies as oppose to games directly from Alphabet Games and so in order to cope with this problem A.G moved into the market of producing flash games for big business clients. 2.2.2 Technological Factor The next factor, which I felt influenced heavily on A.G, was a technological factor and the introduction of HD Gaming to the games market. In response to this A.G invested heavily in new staff and new equipment. 2.2.3 Economic Factor Another factor that I noticed A.G reacted to was the increased production costs which, were caused due to economic conditions. A.G in order to remain profitable outsourced some of their work abroad. 2.2.4 Socio-Cultural Factor The last important factor I acknowledged was a social factor and was that consumers now desired better graphics in relation...
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...This Land is Your Land, Incomplete The poem “This Land is Your Land” by Woody Guthrie is originally a seven stanza poem that is often cut short in the recorded versions known to many. The poem’s main element is imagery of America’s landmarks to evict an emotion out of the reader. The first four stanzas have a much more celebratory tone compared to the final three. In the recorded versions, the last three stanzas are cut out, so as to not dampen the joyful tone of the song. The change in tone of the poem is easily broken into two parts. The first part makes the reader feel proud of America by describing some of its national symbols and declaring in the last lines of each stanza. “This land was made for you and me.” (4,8,12,16.) These first four stanzas have a common theme of Guthrie taking in America’s beauty while feeling blessed to be in its land. Guthrie describes the sights as “sparkling sands” (10.) and “golden valley” (7.) to make the reader feel pleased and almost proud of our land. The first four stanzas have been sung and used to celebrate America in most patriotic settings. The last part of the poem has been left out of the mainstream recorded versions and few realize that there are three more stanzas in the original. The last three stanzas take a different tone by describing the land of America in a darker way than the first four. This tone changes the main line “This land was made for you and me” from a joyful voice to a sadder, matter of fact, realization...
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...FARSIGHTED PROJECT CONTRACT MANAGEMENT: INCOMPLETE IN ITS ENTIRETY PROFESSOR J RODNEY TURNER, (Department of Marketing and Organization, Rotterdam School of Economics Erasmus University Rotterdam) 1. PROJECT ORGANIZATION: COOPERATION VERSUS CONFLICT There are two ways of viewing a project organization, what I would consider to the correct way, and the normal way, respectively: • • a temporary organization, (Turner and Müller 2003), through which the owner assembles resources and motivates them, in a climate of cooperation, to achieve their objectives; a market place, in which the owner buys the project’s outputs at the cheapest possible price, in a climate of conflict with their contractors, where one will win the other lose. In the more common approach, the client adopts the mindset they are going to buy the project’s outputs in the local bazaar, and negotiates hard to achieve the lowest possible price from the vendor (contractor). The negotiation is viewed as a win-lose game. A climate of conflict and mistrust develops, and this spills over into project delivery, usually leading to a lose-lose outcome. Scott (2001) says this approach results in misalignment between the client's and contractor's objectives, between the objectives of multiple contractors, and between the client's objectives and the contractor's remuneration. Turner and Müller (2003) view the project as a temporary organization, through which the client assembles resources to achieve their objectives. As...
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...Central High School and is black who faces tough times in a race school with people who don't want her there. In the book ¨Little Rock Girl¨ by Shelley Tougas is about Nine Africans american kids who go to central and get harassed every day, but they become famous and have a statue of them. The press shows, photos, pictures to illuminate events for a national audience, however they tell an incomplete or inaccurate story....
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...MONTH OF MARCH 2015TEACHER:DANIELLA SCHEDULE:8:00-10:00 AGES:8-10 | | NAME OF STUDENTS | 3-7 | 3-14 | 3-21 | 3-28 | | REMARKS | 1.KYLE MATTHEW PURCA | P | A | P | P | | INCOMPLETE | 2.ADRIAN PICOC | P | P | P | P | | COMPLETE | 3.ANGEL SANTOS | P | P | P | P | | COMPLETE | 4.MELISA SOLOMON | P | P | P | P | | COMPLETE | 5.JHANE FRANCISE ARIZA | P | P | P | P | | COMPLETE | 6.ELLA AMAYA | P | P | P | P | | COMPLETE | 7.CARL LAWRENCE ARIZA | P | P | A | P | | INCOMPLETE | 8.MARK DAVE DALINA | P | P | A | P | | INCOMPLETE | 9.DARREN GUCILATOR | P | A | A | P | | INCOMPLETE | 10. NORIEN DALINA | P | A | A | A | | INCOMPLETE | 11.MHE KYLA ARIZA | P | P | P | A | | INCOMPLETE | 12.CRYSTAL JOY ARIZA | P | A | A | A | | INCOMPLETE | 13. | | | | | | | ATTENDANCE: | 12 | 8 | 7 | 9 | | | OFFERING | 7.00 | 5.00 | 3.00 | 5.00 | | | MONTH OF APRIL 2015TEACHER:DANIELLA SCHEDULE:8:00-10:00 AGES:8-10 | | NAME OF STUDENTS | 4-4 | 4-11 | 4-18 | 4-25 | | REMARKS | 1.KYLE MATTHEW PURCA | P | P | | P | | | 2.ADRIAN PICOC | P | P | | P | | | 3.ANGEL SANTOS | P | P | | P | | | 4.MELISA SOLOMON | P | A | | P | | | 5.JHANE FRANCISE ARIZA | P | P | | P | | | 6.ELLA AMAYA | P | P | | P | | | 7.CARL LAWRENCE...
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...the named addressee you should not disseminate, distribute or copy this e-mail. Please notify the sender immediately by e-mail if you have received this e-mail by mistake and delete this e-mail from your system. E-mail transmission cannot be guaranteed to be secure or error-free as information could be intercepted, corrupted, lost, destroyed, arrive late or incomplete, or contain viruses. The sender therefore does not accept liability for any errors or omissions in the contents of this message, which arise as a result of e-mail transmission. If verification is required, please contact the sender as information of which is posted. CONFIDENTIAL NOTICE: This message contains confidential information and is intended only for the individual/s named. If you are not the named addressee you should not disseminate, distribute or copy this e-mail. Please notify the sender immediately by e-mail if you have received this e-mail by mistake and delete this e-mail from your system. E-mail transmission cannot be guaranteed to be secure or error-free as information could be intercepted, corrupted, lost, destroyed, arrive late or incomplete, or contain viruses. The sender therefore does not accept liability for any errors or omissions in the contents of this message, which arise as a result of e-mail transmission. If verification is required, please contact the sender as information of which is posted. CONFIDENTIAL NOTICE: This message contains confidential information and is intended only for...
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...Auditing and Assurance Standards Council Philippine Auditing Practice Statement 1001Ph GUIDANCE IN DEALING WITH “TENTATIVE FINANCIAL STATEMENTS” PHILIPPINE AUDITING PRACTICE STATEMENT 1001Ph GUIDANCE IN DEALING WITH “TENTATIVE FINANCIAL STATEMENTS” CONTENTS Paragraphs Introduction…………………………………………………………………. BIR Requirements for Filing of Audited Financial Statements…………….. Incomplete or Unaudited Financial Statements……………………………. Responsibility over Financial Statements………………………………….. Handling of Incomplete or Unaudited Financial Statements………………. Other Considerations……………………………………………………….. Effective Date………………………………………………………………. 1-3 4-5 6-8 9-11 12-18 19 20 Philippine Auditing Practice Statements (PAPS or Statements) are issued by the Auditing Standards and Assurance Council (AASC) to provide practical assistance to auditors in implementing the Philippine Standards on Auditing (PSAs) or to promote good practice. Statements do not have the authority of PSAs. This Statement does not establish any new basic principles or essential procedures; its purpose is to assist auditors, and to develop good practice, by providing guidance on the application of the PSAs when conducting an audit of financial statements. The auditor exercises professional judgment to determine the extent to which any of the audit procedures described in this Statement may be appropriate in the light of the requirements of the PSAs and the entity’s particular circumstances. -2- PAPS 1001Ph ...
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...Background Operations Supervisor Monica Carrolls is expecting 15 new employees to be working in her organization by July 1st. Monica is counting on recruiter Carl Robins to make all the arrangements for onboarding the trainees. The central issue is onboarding 15 new trainees by a July 1st deadline. This case study addresses several problems associated with the onboarding process for these 15 trainees. If left unresolved, these problems will prevent the successful onboarding of the trainees by the desired July 1st date. The problems are: * Incomplete applications for some trainees * Missing transcripts for some trainees * None of the trainees has completed the required drug screening * The training room is booked for the entire month of June Key Problems Several key problems have been identified and must be addressed if 15 trainees are going to start work by July 1st. Incomplete applications Some trainees have incomplete applications on file. Although it was the trainee’s responsibility to complete his or her...
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...Horner v. Bourland 724 F. 2d 1142 Case Brief Instructions Please note that, unlike the case you have been assigned, the cases in the text have been stripped down to a fundamental legal issue related to the chapter of study and do not contain much of the procedural aspects you may find in your case. DECIDE ON A FORMAT AND STICK TO IT: Structure is essential to a good brief. It enables you to arrange systematically the related parts that are scattered throughout most cases, thus making manageable and understandable what might otherwise seem to be an endless and unfathomable sea of information. There are, of course, an unlimited number of formats that can be utilized. However, it is best to find one that suits your needs and stick to it. Consistency breeds both efficiency and the security that when called upon you will know where to look in your brief for the information you are asked to give. Be mindful that the operative word is “brief”; ideally the case brief should be about one page in length and never over two pages. Nevertheless, it is important that a brief contain the following: TITLE AND VENUE: Identify the case name and citation in the correct format. RULE OF LAW: A statement of the general principle of law that the case illustrates in the form of a statement. Determining the rule of law of a case is a procedure similar to determining the issue of the case. Avoid being fooled by red herrings; there may be a few rules of law mentioned in the case excerpt, but usually...
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...S SYLLABUS & APA QUIZ (20 points) Please read through the official syllabus, the instructor’s Policies, the APA Template (all which are posted in the Course Materials folder), and the Academic Policies statement found in the left-hand column of the Classroom Materials page, and then answer the following questions. Please post your completed quiz In the Assignments tab by 11:59pm MST on Day 5 (Saturday). Please type your name here: JOHN LOPEZ 1. The second full sentence of the official syllabus for this course is: Whenever there is a question about what assignments are due, please remember this syllabus is considered the ruling document. 2. To earn full participation points for any week in this class, you must post how many substantive replies to your classmates’ posts a minimum of how many days? For full participation credit during participation weeks, student/learners are required to contribute two substantive discussion messages four days each week in the Main Forum. 3. Grade points will be deducted if your written assignments do not comply with the APA style and format illustrated in what document, that is posted in the Course Materials folder and based is on the APA Publication Manual? The Writing & Style Guidelines (APA) - 6th edition 4. In which forum(s) can participation points be earned? Participation points can be earned in the Main forum 5. Do your DQ responses and Weekly Summaries count towards participation points...
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...Rene Descartes is known as “The father of modern philosophy”, and published “Discourse on the Method.” Before Descartes invented his philosophy, in Europe, Scholasticism was prevalent. It says, “God lights up the truth, and people who don’t know cannot get the truth” ( ). He denied this idea and indicated that, with reason, we can find a certain spot where everyone can receive common truth. This idea was groundbreaking at the time. Human being can speculate the world with reason and can grasp its comprehends picture. Unless we misuse reason, we can achieve the same goal. In other words, there is world universality. However, the problem is where we should put the start point of speculation, where to put principle. If each person has each start point, of course goal should be different from on another. Before Descartes, Scholarcism, which tell grasping the truth with strong belief, was prevalent. However, Descartes denied this completely. Overcoming the difference of religions and cultures, and finding the common understanding with reason was the goal of Descartes. Descartes said, “To use reason correctly, we have to follow the “method”. So let’s check out each method. First, the purpose of study is to lead people’s mind to the solid truth. Descartes said, “ Seeking the universality is not to get Schlorsicm knowledge, but to make our life better.” Second, study the thing we can absolutely understand with reason. He said this because, if we work on the...
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...Q1 Incomplete mediation is another vulnerability that has existed for decade. This vulnerability occurs when the developers of a system use values in the definition of the program such that adversaries can change the values to wrong values, or users enter the values incorrectly leading to a massive failure of the entire system. NASA’s mars orbiter crashed into mars because the engineers failed to convert English to metric measurements during the exchange of vital data. The navigation team used meters and millimeters while astronautics responsible for the design of the spacecraft used inches, feets and pounds. This is a special example of an incomplete mediation. Q2 In the realization of the challenges and problems resulting from incomplete mediation, complete mediation...
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