...AIM The aim of this field investigation was: 1. To investigate stream channel characteristic to see how they vary downstream. * Does the stream get wider and deeper downstream? * Does a rock sample vary downstream? 2. Examine the different erosional and depositional features of the river. 3. To investigate the impact of humans downstream. methodology On this field trip we went to Wag Water River. We use material such as rulers, stop watch, sketches and description of sites was made; method of observation was used to see how humans use the river for various reasons. Along the river channel group of student did the following at different points; Velocity: we measure the velocity of the river atleast three times to get an accurate measurement, we calculate the average. The velocity of the river was measured with a half filled bottle of water placed in the water at a given distance of 30m for some seconds (velocity=distance/time (seconds).The stream was also measured before and after tributary to show effect of tributaries, and deposit load which affects flow of the river stream and this was calculated by (cross section x velocity), then we compare the stream discharge at different sites and accounted for the differences. After we did that we also measured the depth of the river, we used the meter rule for this measurement, for every meter we measured the depth then we find the average. Rock samples were also taken to classified as: very angular, angular...
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...and service and aim to be a major leader in the bakery industry. Mission Provide the highest quality of ingredients and customer service for the more active branch of our society. We aim to be a completely different bakery by targeting the athletes. Our recipes will be mainly composed of wholesome ingredients, proteins, carbohydrates and fruits. Goals: * Obtain funding of $15,000 via the Small Business Administration (SBA) loan program. * Achieve sales of $155,736 in the first year. * Boost second year sales by 50% in the second year. * Raise sales by 30% in the third year. * After fully repaying all our debts, we will open a second store in Brooklyn. * Sponsor sports events and give back to our communities. Company Summary My partner-a pastry chef- and I will manage fitness Bakery. It is diverse team since I have abilities and experiences in finances/customer service and she has experience in pastry/management. We will use our own money to fund 90% of our business and the rest will be taken care by our long-term loan from the SBA. We...
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...Additional Money Needed? 8 CONTROL AND FEEDBACK 9 IS YOUR PLAN WORKABLE? 9 IMPLEMENTING YOUR PLAN 9 KEEPING YOUR PLAN CURRENT 10 APPENDIXES A. Income Projection Statement 11 B. Cash Flow Projection Construction Firms 15 C. Balance Sheet 17 D. How to Write a Business Plan 21 E. Information Resources 25 ______________________________________________________________________________ INTRODUCTION A business plan can provide you, the owner-manager or prospective owner-manager of a small construction firm, with a pathway to profit. This publication is designed to help you develop a business plan. In building a pathway to profit you need to consider the following questions: What business am I in? What do I sell? Where is my market? Who will buy? Who is my competition? What is my sales strategy? How much...
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...Table of Contents Introduction............................................................................................................................ 7 Welcome to the Wedding Planner's Handbook!....................................................................................7 How to Use This Guide........................................................................................................................ 7 What is a Wedding Planner?................................................................................................................. 8 Chapter 1: A Day in the Life of a Wedding Planner............................................................... 9 What a Typical Weekday Looks Like.................................................................................................... 9 What a Typical Saturday Looks Like.................................................................................................. 10 Take a Break!.......................................................................................................................................11 Should You Be a Wedding Planner?....................................................................................................12 Organization Skills.............................................................................................................................. 12 People Skills......................................................................................
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...10 Simple Steps to Finding Customers… and Delivering the Goods In cooperation with Sponsored by The UPS Store centers are independently owned and operated by licensed franchisees of Mail Boxes Etc., Inc., an indirect subsidiary of UPS. Services and hours of operation my vary by location. Copyright ©2012 Mail Boxes Etc., Inc. 4122930708 LETTER FROM THE ups store Congratulations on your new venture! With the recent passage of small business friendly legislation, the stage has been set for small business to prosper and fuel the American economy. Each and every one of our nearly 4,400 The UPS Store® locations is run by individuals just like you—men and women who made the decision to leave behind the daily grind to make their mark with a business of their own. They understand the day-in and day-out challenges and opportunities of running your own business. Because they stand beside you, The UPS Store franchisees use their experience as small business owners to ease the struggles and stresses of their small business customers—and celebrate their successes. Thousands of small business rely on their neighborhood The UPS Store to help them with the logistics of running their business. You will find a list of our products and services, as well as a store locator, on our website at www.theupsstore.com. We are excited to partner with SCORE in presenting the information, examples and resources that follow. We hope they will assist you as you start...
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...CARIBBEAN EXAMINATIONS COUNCIL Caribbean Certificate of Secondary Level Competence® SOCIAL STUDIES SYLLABUS Effective for examinations from May–June 2014 CXC CCSLC/SS/05/12 Published in Jamaica, 2012 by Ian Randle Publishers 11 Cunningham Avenue P O Box 686 Kingston 6 www.ianrandlepublishers.com © 2012, Caribbean Examinations Council ISBN ---------------------------------------- (pbk) All rights reserved. No part of this publication may be reproduced, stored in a retrieval system, or transmitted in any form, or by any means electronic, photocopying, recording or otherwise without prior permission of the author or publisher. Cover and book design by Ian Randle Publishers Correspondence related to the syllabus should be addressed to: The Pro-Registrar Caribbean Examinations Council Caenwood Centre 37 Arnold Road, Kingston 5, Jamaica Telephone Number: +1 (876) 630-5200 Facsimile Number: +1 (876) 967-4972 E-mail Address: cxcwzo@cxc.org Website: www.cxc.org Copyright © 2012 by Caribbean Examinations Council The Garrison, St Michael BB14038, Barbados CXC CCSLC/SS/05/12 This document CXC CCSLC/SS/05/12 replaces CXC CCSLC/SS/05/2006 issued in 2006. Please note that the syllabus has been revised and amendments are indicated by italics. First issued 2006 Revised 2012 Please check the website www.cxc.org for updates on CXC’s syllabuses. CXC CCSLC/SS/05/12 Contents INTRODUCTION .......................................................
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...must know when and how best to delegate. However, when you are able to make your own decisions about how best to operate day-to-day, this leads to creating a culture, a brand and an organization." 2. You Can Find Your Own Work/Life Balance One of the most oft-cited benefits of owning your own business is the flexibility that comes with it, whether that be working from wherever you want, setting your own hours, wearing a nightgown or even sitting next to your pet while you work. "I get to carry a knife, drive a pickup truck and hang out with my dog a lot more – what can be better than that?" says David Winters, who owns a mobile screen repair business called Screen mobile in Charlotte, North Carolina. Just as important, entrepreneurs say that owning their own business lets them set their priorities. "I make my own schedule, allowing me to spend time with the most important purpose in my life and the inspiration behind my company--my...
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...THE STUDENT'S PRACTICAL DICTIONARY ; fNdkoq ; CONTAINING English words with English and Hindi Meanings and Pronunciation in Deva Nagri Character with an Appendix containing Familiar Foreign Words and Phrases and Abbreviations in Common use. FIFTEENTH EDITION Thoroughly Revised,Improved,Enlarged and Illustrated PRICE 3 RUPESS ALLAHABAD RAM NARAIN LAL PUBLISHER AND BOOKSELLER 1936 ISCII text of dictionary taken from from TDIL's ftp: anu.tdil.gov.in pub dict site I N 1.m I Pron 1.m a Det 1.ek, abatement N abbey N 1.kmF, GVtF, GVAv, mdApn, b A, 2. yAg, smAE ag jF vZmAlA kA Tm a"r tTA -vr, 2. tk m phlA kESpt pzq vA -tAv , aback Adv 1.acAnk, ekAek, 2.pFC abandon VT 1.CoX nA, yAg nA, yAgnA, tjnA, d d 2.EbnA aAj^ nA nOkrF CoXnA, apn ko drAcAr aAEd m CoX nA, d , nA d d abandoned A 1.CoXA h,aA, Enjn -TAn , 2.EbgXA h,aA, iEdy lolp, lMpV, drAcArF, aAvArA , , abandonment N 1.pZ yAg, sMpZ aA mo sg, EbSkl CoX nA d , abate VI 1.km honA, GVnA, DFmA honA abate VT 1.km krnA, GVAnA, DFmA krnA, m@ym krnA, rok nA, smA krnA d 1 1.IsAiyo kA mW, gz\ArA, kVF, mW, , , 2.mht aADFn sADao kF mXlF k , abbot N 1.mht, mWDArF, mWAEDkArF abbreviate VT 1.km krnA, s" krnA, CoVA krnA, p sAr EnkAlnA abbreviation N 1.s" , GVAv, sAr, lG,!p, skt, p 2.sE" pd yAf, fNd yA pd kA lG!p ^ , abdicate VTI 1.-vQCA s CoXnA, yAg krnA, tjnA, pd yAg krnA abdication N 1.pd yAg abdomen N 1.X, V, k"F, udr p p , abdominal A 1.udr sMbDF, V kA p abduct VI 1.BgA l jAnA, EnkAl l...
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...Oracle® Trading Community Architecture Reference Guide Release 12.1 Part No. E13569-04 August 2010 Oracle Trading Community Architecture Reference Guide, Release 12.1 Part No. E13569-04 Copyright © 2003, 2010, Oracle and/or its affiliates. All rights reserved. Primary Author: Ashita Mathur Contributor: Ajai Singh, Amy Wu, Anish Stephen Avinash Jha, Harikrishnan Radhakrishnan, Leela Krishna, Nishant Singhai, Ramanasudhir Gokavarapu, Shankar Bharadwaj Oracle is a registered trademark of Oracle Corporation and/or its affiliates. Other names may be trademarks of their respective owners. This software and related documentation are provided under a license agreement containing restrictions on use and disclosure and are protected by intellectual property laws. Except as expressly permitted in your license agreement or allowed by law, you may not use, copy, reproduce, translate, broadcast, modify, license, transmit, distribute, exhibit, perform, publish or display any part, in any form, or by any means. Reverse engineering, disassembly, or decompilation of this software, unless required by law for interoperability, is prohibited. The information contained herein is subject to change without notice and is not warranted to be error-free. If you find any errors, please report them to us in writing. If this software or related documentation is delivered to the U.S. Government or anyone licensing it on behalf of the U.S. Government, the following notice is applicable: U.S...
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...9 Threats: 10 1. Freedoms of Air agreements: 10 2. Ground handling Policy: 10 3. Spot Price Controls 10 4. World Politics: 10 b. Economic Factors 11 Opportunities: 11 1. GDP Growth: 11 2. Domestic Consumption and Per Capita Income: 12 Threats: 12 1. Global Recession: 12 2. Oil Prices: 13 3. Inflation: 13 c. Social Factors 14 Opportunities: 14 1. Per Capita Penetration 14 2. Demographics: Growing Middle Class and Urbanization 14 Threats: 15 1. Price Sensitivity: 15 d. Technological Factors 15 1. GAGAN – GPS Aided Geo Augmented Navigation 15 2. Google ITA Deal 15 3. Social Networking Sites 15 e. Legal Factors 16 1. Pilot Licenses 16 f. Environmental Factors 16 1. Geography 16 2. Carbon Foot Print 16 g. Security 16 3. Company Analysis 17 A. Revenues 17 B. Costs 18 C. Fleet Strategy: 18 D. Operational Efficiency 20 1. Load factors 20 2. RASK vs CASK 21 E. RISK MANAGEMENT 22 a. Enterprise Risk 22 b. Accounting Risk 22 c. Operational Risks 22 F. Competition 23 1. Market Share 23 2. Operational Parameters 24 3. Costs 25 4. Competition Outlook 25 4. Financial Forecasts 27 A. Debt 27 B. Revenues 28 C. Oil Prices 29 D....
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...Table Of Content TOPICS | REMARK | Acknowledgement | | Objective | | Executive Summary | | Introduction | | ICICI Bank | | Yes Bank | | HSBC | | SBI Bank | | HRIS | | ICT | | Role of Banks in India | | Recommendations | | Conclusion | | Bibliography | | Objective: The objective of this report is to study the banking sector in the Indian Economy on a global perspective. In this we have tried to study the different aspects of the banks. Here in we have considered 4 banks, namely SBI, ICICI, HSBC, Yes Bank. Research Methodology: The research methodology that we adopted was a dual one:- Primary Research Under Primary research we visited the banks, collected data directly from the respected persons and analysed it. Secondary Research Under Secondary Research we took information from the Internet, Books. INTRODUCTION Banking in India originated in the last decades of the 18th century. The first banks were The General Bank of India, which started in 1786, and Bank of Hindustan, which started in 1790; both are now defunct. The oldest bank in existence in India is the State Bank of India, which originated in the Bank of Calcutta in June 1806, which almost immediately became the Bank of Bengal. This was one of the three presidency banks, the other two being the Bank of ombay and the Bank of Madras, all three of which were established under charters from the British East ndia Company. For many years the Presidency banks acted...
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...Civil Aviation Policy – Consultation with stake holders Civil Aviation sector in India has soared to great heights in the last few years. However, the aviation industry’s growth will need proper policy orientation to ensure systematic, sustainable and orderly development. Hence, it is imperative that a clearly defined, long term civil aviation policy is formulated. Such policy while addressing issues related to safety, security, infrastructure development, revenue models, private sector participation etc. must also provide for a safe and comfortable yet affordable air travel to passengers. The Ministry of Civil Aviation, Government of India, is in the process of formulating a Civil Aviation Policy. The civil aviation sector has many complex areas, which need to be addressed in formulation of the policy; some of them are indicated below. Organizations and individuals are requested to give their inputs, views and suggestions on aspects given below (or any other related issues), for facilitating the Ministry of Civil Aviation in drafting the proposed Civil Aviation Policy. These may be sent to the DT section, Ministry of Civil Aviation, Rajiv Gandhi Bhawan, New Delhi, India; or e-mailed to Dtsec.moca@nic.in Views of some stake-holders already received are placed below for reference and cross fertilization of ideas. While giving your views, please mention specifically if you have any objection in keeping your views in public domain. Your views may be sent before 20th February,...
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...Starting an Online Business FOR DUMmIES ‰ 4TH EDITION by Greg Holden TEAM LinG - Live, Informative, Non-cost and Genuine ! Starting an Online Business For Dummies®, 4th Edition Published by Wiley Publishing, Inc. 111 River Street Hoboken, NJ 07030-5774 www.wiley.com Copyright © 2005 by Wiley Publishing, Inc., Indianapolis, Indiana Published by Wiley Publishing, Inc., Indianapolis, Indiana Published simultaneously in Canada No part of this publication may be reproduced, stored in a retrieval system or transmitted in any form or by any means, electronic, mechanical, photocopying, recording, scanning or otherwise, except as permitted under Sections 107 or 108 of the 1976 United States Copyright Act, without either the prior written permission of the Publisher, or authorization through payment of the appropriate per-copy fee to the Copyright Clearance Center, 222 Rosewood Drive, Danvers, MA 01923, (978) 750-8400, fax (978) 646-8600. Requests to the Publisher for permission should be addressed to the Legal Department, Wiley Publishing, Inc., 10475 Crosspoint Blvd., Indianapolis, IN 46256, (317) 572-3447, fax (317) 572-4355, e-mail: brandreview@wiley.com. Trademarks: Wiley, the Wiley Publishing logo, For Dummies, the Dummies Man logo, A Reference for the Rest of Us!, The Dummies Way, Dummies Daily, The Fun and Easy Way, Dummies.com, and related trade dress are trademarks or registered trademarks of John Wiley & Sons, Inc. and/or its affiliates...
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...Introduction: The Bank of America was formed in 1998 after the merger of California based Bank of America and the Nations Bank of North Carolina. At the end of the 20th century the bank stood as the second largest bank in the American market with close to 4500 branches operating in 21 states. Most of these branches were located in high growth markets of the south and west coast. Globally, it employed 1, 40,000 employees across 190 nations, over $8 billon in revenues, $360 billion in deposits and some $600 billon in assets. However the markets had been consolidating for sometime with the total number of banks in America having reduced to 7000 from an figure of 14000 first recorded in 1985. Intense competition characterized the market and the challenge for national banks was to be able to localize product and service offerings for their customers. Financial services had traditionally been looked upon as commodities by banks and lack of experimentation marked the sector. The sector was however slowly realizing that traditional methods of cost reduction and other control mechanisms could only take growth so far. ‘Organic Growth', a higher wallet share of existing customers was a concept of much relevance in the highly competitive market. For achieving this Bank of America had given more freedom to individual bank managers to undertake more responsibilities. Others like Washington Mutual (WAMU) had introduced new models of customer experience, benchmarking their services...
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...OF SMA L L B U S I N E S S BIG BOOK THE Y O U D O N ’ T H AV E T O R U N Y O U R B U S I N E S S B Y T H E S E AT O F Y O U R P A N T S TO M G E GAX with Phil Bolsta Previously published as By the Seat of Your Pants This book is dedicated to my father, Bill, an old soldier who battles every day to overcome a horrendous stroke. He was a model enlightened entrepreneur, a fact that took me years to appreciate. His compassion with his employees and dedication to service inspired me to be a better businessman and a better person. When I was growing up, he liked to say, “Son, the most important word in the English language is ‘empathy.’ ” When I told him I was starting a business, his first words were, “Always treat your employees right.” He learned that appreciation the hard way, losing his father at a young age and countless war buddies in the trenches. But his love for God, country, and his fellow citizens never wavered. This one’s for you, Dad. CONTENTS Foreword by Richard Schulze, Found er and Chair man, Best Buy ix Introduction: Living by the Seat of My Pants: A Jour ney from Clueless to Cashing In xi PART I Setting Up Shop: What Ever y Budding Entrepreneur Needs to Know 1 1. Make Up Your Mind: Uncommon Factors to Consider Before Quitting Your Day Job 2. Research the Market: Analyzing the Data to Determine Your Niche 3. Write the Business Plan: Building Your Blueprint for Success 4. Find Funding: Raising Capital Without Relinquishing...
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