...Literature & Human Rights Rickshaw-Walla (Story) I am Abdullah Al Mamun. I was born in 1990 approximately at Bhola, Barisal. My parents were domestic workers. I was admitted into school but I dropped out from there because of my poverty. I was born in a poor family and we were four brothers and three sisters. As I was the elder son of the family, my father forced me to work with him. In 1999 our home was destroyed by river erosion. We lost everything we had. Then we came to Dhaka in search of living. We found a place to live in Kamlapur rail station. After one year my father married another woman and left us. At that time my mother managed everything for us by collecting bottles and other garbage. I with my other siblings did begging in the streets of Dhaka. From 2006 I started pulling rickshaw and managed a house in Kamlapur slum. After the next day of entering into the Kamlapur slum, destruction happened in our life. A fire took place in the slum and died many people in it. My younger brother died in it. My mother got seriously injured in the fire. I hardly managed my family consisting five members. My younger brother and sisters read in BRAC school. They also collect garbage to earn some money. They hardly earn 70 to 80 taka per day. Every day I wake up at 5 am and go to the garage. Then I clean my rickshaw and go out with the name of Almighty Allah. After pulling 2 or 3 hours I need to take some foods as my breakfast. Sometimes some passengers beat me for bargaining...
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...European Union Public Licence V. 1.1 EUPL © the European Community 2007 This European Union Public Licence (the “EUPL”) applies to the Work or Software (as defined below) which is provided under the terms of this Licence. Any use of the Work, other than as authorised under this Licence is prohibited (to the extent such use is covered by a right of the copyright holder of the Work). The Original Work is provided under the terms of this Licence when the Licensor (as defined below) has placed the following notice immediately following the copyright notice for the Original Work: Licensed under the EUPL V.1.1 or has expressed by any other mean his willingness to license under the EUPL. 1. Definitions In this Licence, the following terms have the following meaning: - The Licence: this Licence. - The Original Work or the Software: the software distributed and/or communicated by the Licensor under this Licence, available as Source Code and also as Executable Code as the case may be. - Derivative Works: the works or software that could be created by the Licensee, based upon the Original Work or modifications thereof. This Licence does not define the extent of modification or dependence on the Original Work required in order to classify a work as a Derivative Work; this extent is determined by copyright law applicable in the country mentioned in Article 15. - The Work: the Original Work and/or its Derivative Works. - The Source Code: the human-readable form...
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...qwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmrtyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmrtyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmrtyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmrtyuiopasdfghjklzxcvbnmqwer...
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...payment period. The sale price will include a profit margin. In Islamic finance a sale of goods in which a bank purchases the goods on behalf of the buyer from the seller and sells them to the buyer at a profit, allowing the buyer to make installment payment. A sample calculation of a 20 years property financing is as follows: Assume that you take out a 20 years financing for a house terrace of RM250,000 at a profit rate of 5.88%. The monthly instalments and total repayment would be based on the following formula: (PMT) = [FA (1 + r)n r] / [1 + (1 + r)n – 1] Whereby: PMT is payment of monthly instalment FA is facility amount r is profit rate (per month) n is periodic payment (no of months) Monthly instalment= [RM225,000 (1 + 0.0049)240 x 0.0049] / [1 + (1 + 0.0049)240 – 1] = RM1,596.43 Whereas the Bank’s selling price is = RM1,596.43 x 240 months = RM383,143.20 • Bai Bithaman Ajil means sale of goods with deferred payment, • Bai(sale), Bithaman(price), Ajil(deferment). • BBA is sale with deferred payment and is not a spot sale. • BBA used for financing property, vehicle, as well as financing of other consumer goods. Type of product : - Land / property financing - Vehicle financing - Consumer financing - Assets financing 1) Customer identify a house to be purchased(sign S&P agreement) 2a)Bank purchase the house and pays...
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...Why Renting in Today’s Economy is better than Buying a House Matt Harrell COM/156 November 7, 2010 Karen Campbell Why Renting in Today’s Economy is better than Buying a House Foreclosure crisis is at an all time high across most large metropolitan areas in the United States. Seattle- Tacoma- Bellevue metro area registered the sharpest annual increase, 71% or one in every 129 households received a foreclosure notice. California, Nevada, Florida, and Arizona remain the hotspots for foreclosure across the nation according to RealtyTrack Incorporated Rick Sharga a senior vice president at RealtyTrack quoted “The epidemic is spreading from the states at the ground zero of the foreclosure problems out into areas that had not been previously affected.” One of the latest signs that the foreclosure crisis is worsening across the nation is, high unemployment, slow job growth, and homeowners are uncertain about falling home prices. Concerning housing, he or she has options. He or she has an option to rent and an option to buy. Renting an apartment is a better option than buying a house both renting and buying has many advantages and disadvantages. By explaining these advantages and disadvantages, I will persuade him or her into renting over buying. While renting he or she can save money, instead of spending money. “A survey conducted by Harris Interactive for the National Apartment Association in May 2010 found that 76% of those surveyed now believe that renting is a better...
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...investment in real estate. He found a 4-unit building on 19 Pickney St. in Boston. Our analysis showed he should obtain $450,000 through a 20-year mortgage at 8%, as was offered to him by Sarah Harris, in order to invest in this property. The Property The property is located at 19 Pinckney St. in the back slope of the historical neighborhood of Beacon Hill in Boston. It is a 4-unit residential building, which a fire has destroyed in 2003, and thereafter only the structural shell remained. An architect started renovating it but stopped in the middle due to lack of funds. The asking price is set at $350,00. A contractor priced the remaining work at $165,000 and said it would be completed within 6 months; thereafter, the building will have three 2-bedroom apartments and one 1-bedroom apartment on the top floor. Alexander estimates that he would be able to do the reconstruction himself and it would take him only 4 months. This assumption seems unrealistic given Alexander’s full-time job and lack of experience in construction. It is also assumed that if he insisted to do so, lenders will be hesitant to finance his project. Therefore, total approximate cost of the renovated building is $515,000. Location This location has been demonstrating rising property values. Newbury Street, Financial District and the Boston Commons are within less than a 15-minutes walk. Potential renters will also appreciate the proximity of the river and esplanade within a 10-minute walk. The neighborhood...
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...Explain whether or not it matters that Rally is associated with pizza.Tradename protection extends to zone of reputation, zone of expansion, and zone of marketing in addition to being the first in the area. Because Rally is associated with Pizza andwith Motors, it is not as much of a conflict as it would have been if Gabby had a used car dealership and decided to call it Rally¶s Used Cars. According to Robert Wayne Olson Jr¶sexample, ³The Rose Cafe (a restaurant) does not conflict with The Rose Law Firm (legalservices), nor does either conflict with Rose Story Farm (a nursery). However, if Violet Rosewants to open the Violet Rose Bistro, that name could be sufficiently confusing to bar its use inthe same area as The Rose Café.´ In my opinion it is not distinct and therefore can beconsidered as confusing. In order to be protected under tradename laws, the business owner must not have a confusingly similar name to a company that was registered in the same 4 Running head: RALLY ROUND THE TRADE NAME geographic area first. Rally is associated with pizza as well as with motors and as a result in thevideo, many consumers were confused and were calling the car dealership and placing orders for pizza.3. E xplain how important the fact is that Herman started to use the name Rally first in that particular geographical area.The fact that Herman began using the name 40 years ago protects him under common law,trade name protection by registration and he used the name first in...
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...1 HOTEL OWNER / OPERATOR STRUCTURES: IMPLICATIONS FOR CAPITAL BUDGETING PROCESS Chris GUILDING Service Industry Research Centre, and School of Accounting and Finance Griffith University – Gold Coast Campus Queensland AUSTRALIA C.Guilding@griffith.edu.au Tel: (07) 5552 8790 Fax: (07) 5552 8068 I am grateful for funding support for this study provided by the Australian Cooperative Research Centre for Sustainable Tourism. I would also like to acknowledge the helpful comments and suggestions provided by two anonymous referees. 23 HOTEL OWNER / OPERATOR STRUCTURES: IMPLICATIONS FOR CAPITAL BUDGETING PROCESS ABSTRACT The findings of a field study concerned with appraising capital budgeting process implications arising from different owner / operator structures employed in the hotel industry are reported. Dimensions of conflict that can arise between hotel operators and owners are examined. Consistent with expectations motivated by agency theory, data collected suggest that capital budgeting systems in hotels operating under a divorced owner / operator structure exhibit more formalisation and a greater propensity for investment proposal cash forecast biasing. These findings suggest a degree of dysfunctionalism associated with the divorced / owner operator structure widely adopted in the hotel industry. Key words: Hotel, Capital Budgeting, Ownership structure, Agency theory.4 ...
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...consider a company whose financial statements disclose all activities * A standard format for financial statements can be read by investors and banks. Generally Accepted Accounting Principles (GAAP)- a response to the need for standardization. -Sole Proprietorship- owned by an individual. Use their own money to finance the business. Most common legal form of business Partnership: owned by two or more people. They share the profits and the responsibility of any debts Corporation- owned by stockholders (not responsible for the business’s debt’s. An elected board of directors is responsible for managing the corporation. Three types of account types: 1. Asset” property or property rights a business owns. Property includes: cash, accounts recievable, merchandise to be sold, supplies, equipment and land. Property rights include: patents, franchises and copyrights. 2. Liability: Debts or obligations owed by a business; cash, salaries, taxes, rent to landlords, loans etc… 3. Owners Equity: the financial interest of the owner of the business, or the owner’s claim on the assets of the business. .Equity is also considered as net assets (remaining assets after deducting the business’s liabilities) Accounting Equation: assets = liabilities + owners equity ( must balance out) Ex: $5,000,000= $3,500,000 + $1,500,000 = Balanced If the equation doesn’t balance there is a mistake. Accounting Terms: Left: Right: Accounting Records: - The General Journal: records all transactions...
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...The rental heart Often when you fall in love you will end up with a broken heart. That happens to everyone at some point. But why not just go and rent a new heart? That is what he is doing in the text and what the story is about. And yes I think the main character is a boy, because if it was a girl, that had got her heart broken, it would be much more dramatic. The main character keeps getting hurt, so instead of dealing with the pain, he just visit the heart rental place, and rent a new heart. But even though he keeps getting a new heart, in someway it does not make him fully recoverer. Because the pain is not only in your heart ,it is also in your mind. So even though the pain in the heart is gone, the pain in the mind is still there. The title “ The rental heart” is very describing for the text. Often when you read a text, the title does not really have so much to do with the rest of the story. But that is not the case in this story. Because this story is about a guy, getting his heart broken, and the rent hearts. So the title is very appropriate. His first love was Jacob, and it is clearly that he was very much in love with him. “Jacob was as solid and golden as tilled field, and our love was going to last forever, which in our age meant six months. Every time Jacob touched me, I felt my heart thud wetly against my lungs”. The story takes use of flashbacks, as you can see in the quote above. The main character is definitely bisexual, he is in to girls as well...
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...Metamorphosis In An Appalachian Community Carla Landes Eth/125 11/04/2011 Kimberly Long Metamorphosis In An Appalachian Community An influx of diverse ethnicities, races, and cultures in the last decade have benefited, and to some degree, stressed what was until only a few years ago a relatively homogenous Appalachian community. Moorefield, West Virginia, a predominantly White community, of which I am one, is historically a town driven by factories and food industry, has become a destination for those seeking entry-level employment in the United States. Moorefield is a small rural farming and agricultural community in Hardy County, West Virginia. Moorefield is the county seat of Hardy County. "Moorefield was originally chartered in 1777 and named for Conrad Moore, who owned the land on which the town was built. Hardy County falls along the border that split the state of Virginia into two when in 1861, forty counties in Western Virginia choose to succeed from the state of Virginia" (Visit Hardy County, 2011, pp. 1). For a hundred years or so, Moorefield has been a predominantly white, Anglo-Saxon community with only a few (less than 1%) African American families that were the single other ethnic race that resided in this community. According to the United States Census in 2010, "there were 4,820 people, and 626 families living in Moorefield. The racial makeup of the town was 98% White, 1% African American, 0% Native American, 0% Asian, 0% from...
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...1. Definition 2.1. Copyright is a legally enforceable right to prevent others from doing certain acts (e.g: copying, performing, adapting, transmitting) in respect of certain types of material (e.g: books, films, music, TV and radio programs etc) 2. What material does copyright protect? 3.2. Original works: s32 3.3.1. Original Literary (includes drawings, plans, photos, works of artistic craftsmanship) 3.3.2. Original Artistic Works (includes drawings, plans, photos, works of artistic craftsmanship) 3.3. Other copyright material: s89 3.4.3. Sound recordings 3.4.4. Films 3.4.5. TV & Radio Broadcasts 3.4.6. Published editions of works 3.4. Therefore, Copyright may protect many things: 3.5.7. Products: Software, Publications, Recordings, Films 3.5.8. Packaging, Advertisements, Product Instructions 3. What rights does the copyright owner get? 4.5. Works s31 - Exclusive right to 4.6.9. reproduce in a material form 4.6.10. publish 4.6.11. perform in public 4.6.12. cause to be heard or seen in public (film, etc) 4.6.13. communicate to the public 4.6.14. adapt the copyright work 4.6. Part IV material – Exclusive right to 4.7.15. make a copy of 4.7.16. cause to be heard or seen in public 4.7.17. communicate to the public the copyright work 4. How long does...
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...Com 156, Assignment Week 8 I will use definitions in my paper. The reason is many people know that they have the option to rent or buy a home but they are not all familiar with the terminology. Rental property, investment property, equity, and principal and interest (P&I) are all terms that many people may not be familiar with. The whole point of my paper is to try to persuade someone to buy a home instead of renting for the rest of their lives. I cannot persuade someone to do something if they cannot understand the points that I am trying to make. Therefore definitions, or at least a quick explanation, would absolutely benefit my paper. Also, if I use terms that the audience does not understand this can make them decide to stop reading or completely shut out the possibility of considering my ideas. I would not feel comfortable, or see the point, of reading a story in a language that I did not understand. The same applies to reading information in any essay. The point of creating a persuasive essay is to persuade the reader. This can only be done if the reader can comprehend the material. I believe that compare and contrast could definitely work in my favor when trying to persuade the audience, it can also work against me. I do not want to list too many negative points about renting because that will make the reader think that I am trying to push my ideas on them. On the other hand, I do want to point out some of the major points that will help me persuade...
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...of middle-income people invested in real estate last year because of a better economic situation. But in year 2011, the scenario may negative because the present Govt. decision and the increases the prices of raw materials included MS rod, the government is trying to make it mandatory for an apartment to meet 3 percent of its energy need from solar power. But Mr. Tanveerul Haque Probal, managing director of Building for Future Ltd. said that they(Developers) don’t have necessary infrastructure to set up solar panels for every apartment and it will be too expensive. And that is why, the scheduled hand over may delaying and property buyer also suffering and paying extra for rent. NRB Real Estate Buyer Community, the power of Bangladesh Economy. A Lot of foreign investor already invested on this sector and feeling uncomfortable. The property owner , Real Estate Developers, REHAB , FlatBari.com as well as sufferer mass people are seeking release to the Govt. as early as possible. Regarding to this issue, We hope, the concern body will pay their attention in time and take proper steps so that the growth of the Bangladesh real estate market may increase at a significant rate. The gas and electricity problem solved. Recently the Bangladesh Govt. announced...
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...Corporate Governance and Accounting Conservatism in China* Donglin Xiaa and Song Zhub,** b School of Economics and Management, Tsinghua University, China School of Economics and Business Administration, Beijing Normal University, China a Abstract A principal-agent relationship exists among creditors, shareholders and management, and information asymmetry among them leads to asymmetric loss functions, which induces conservative accounting. This paper investigates the determinants of accounting conservatism using accrual-based measures and data from 2001 to 2006 in China. We find that a higher degree of leverage, lower level of control of ultimate shareholders and lower level of management ownership lead to more conservative financial reporting. We also find that political concerns and pressures among state-owned enterprises are greater than those among non-state owned enterprises, which leads to more conservative financial reporting among the former. However, a decrease in such concerns leads to a decrease in accounting conservatism. Overall, we find that among the determinants of conservatism in China, debt is the most important, followed by ownership, and that board has little influence. JEL classification: G30; M41 Keywords: Information asymmetry; Agency problem; Accounting conservatism; Political concerns; Corporate governance * We thank George Yang from Chinese University of Hong Kong and participants at CJAR Summer Research Workshop for helpful comments....
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