...;kjfa sd;lf as;dlkfj as;dlkfj alsdkfj asldfj als;dkfj sdlfkj a;lsdkfj as;lkdjf laskdjf laksdjf lasdk;jf laksdjf laskdjf laksdjf lkasdjf lkalsdjf lkasdjf lkasdjf lkasdj flkjs dlfkjsa ldkjf lasdkjf as;dklfj allsdfj laskdjf lsdjf lkasdf lkjasdfl kasjd lfsdj flkjdf lkja sdlkfj asldkjf lksadjf lajsd flkjsd lfkj dljf aljdf lkasjd flkjas dlfj lasdkjf asldfj askldjf lskdjf asdlkjf aslkdjf askdjflaskdjf laksdjf asldkjf alskdjf laskdjf lasdkjf lskdjf lkasjdf als;dkjf laskdjf al;sdkjf laksdjf lask;djf lskdjf laksdjf la ksjldksjf asldkfj as;dlkfj asldkjf lasdkjf lasdkfj alsdkjf lsdkfj lasdkjf asdjf laskj dflasdkj fla;skjdf alsdkjf alsd;kfj lasdkjf a;skldjf lsadkjf alkfjd a;lkdsjf a;lksdfj a;lskdfj alskdjf aslkdjf alkdjf laksj flsakdjf aslkdjf a;lskdjf als;kdfj asldkfj alsdkfj lak;sdjf las;dkfj adkjf as;ldkfj al;kjfdowierv qpoeiru qpoeiwru qwopeiru qowepi rqoweiru qopweiru qowieur oqiwuer qpwoeir uowique rpqowiue rqpoiweur oqpwieur qpoiweur qpoweiru oewiru qpoieu roiwue roqwieu rpoqieu rqowie ruoqwpieu roqwei urqwoeiru qwopeiru qowp eiruq wopiruqweoiru qowpeiur oiwque qwoeiur woei uroweiur q woeiuroweqpi ruoqw ieuropqwie roewiur qoweiu rwqeop iuewopriu qoewiur opwieur oqwiue rowqieu roqewu roiqwueori qwoiuer poiqweu roiqwue roqiuweqoweiru qopweiru qwpoieur qweipour qopiweur qoweiur oqpiweur qowieru qowpeiur qowieur oqewipur oqwieur oqpweiur qwiepour oqewir qopweiur qpoiweur oqwieur oqpwiuer qwioeru oiweuroiweur ;sdjf lakdsjf a;slkdjf a;dlskjf as;lkjf al;sdkjf ksldj fl;kadsjf ;laskdfj l;askjf...
Words: 334 - Pages: 2
...C. Drayton Evan 101-C05 LUC February 24, 2013 Testimony Paper My life before I came to Christ I did not grow up in a Christian home, but had the opportunity to attend church. I had to walk many miles to go to church. God was my close friend as a child. I could not explain how, but he was. As a teenager I spent many days and nights praying asking, “God to help me get away from my parents, because they were abusing me”. God didn’t answer my prayers so I just stopped believing in him. I could not understand how a God that’s so loving and caring would allow someone to hurt his child. How I came to see my need for Christ One night I was going to a party with one a friend. When I was sitting in her vehicle, God spoke to me saying, it was time for me to let go of the hurt and pain I was carrying for so many years. It felt like I was carrying the weight of the world on my back. I tried to get rid of the pain by smoking and drinking. God further said, “I have work for you to do, and many things to show you.” I thought I was losing my mind, and wanted to drop off the face of the earth. Circumstances surrounding your conversion One Sunday morning I was driving passing a church that my Grandmother attended. I walked through the doors because I really needed help. I was tired of the pain I was carrying all those years, disappointments, drinking, sleeping around with man. I wanted God to love me, and hold me in his arms so tight. I remember asking God to forgive...
Words: 400 - Pages: 2
...Carlice M. Lewis Professor Joey Jernigan Theology 104 April 14, 2014 Word Have you ever had a day, week, or month that seems last like a year? Where everything that could go wrong did go wrong? What did you do to get through the day, week, or month? Did you reach out to a friend, family, spiritual leader, or did you lean on the Word? The word of God is a spoken word powered by faith to achieve a specific purpose, to glorify God The Father. Those who believe in it get the desired personal results to include: healing, deliverance, restoration, and they win battles. The Word gives light, and indeed it is live, gracious, active, and powerful when faith is applied. The Word was written over 500 years ago as a collaboration between God and man guided by the Holy Spirit. It contains a wealth of knowledge wrapped up into sixty- six individual books covering topics such as favor, mercy, faith, grace, and peace just to name a few (Hinds and Towns 1). It speaks to the minds, heart, and souls of both men and women (Hinds and Towns XI). The Word confronts our sin, exposes our selfishness, examines our motives, challenges our presuppositions, calls us to repentance, and asks us to believe it incredible claims, stretches our faith, heals our hurts, blesses our hearts, and soothes our souls (Hinds and Town VII). The Bible states in Proverbs 18:21, "life and death are in the power of the tongue (Nelson 342)" and if this is true our words have life in them. The Word of God definitely...
Words: 1271 - Pages: 6
...Review of Accounting Studies, 8, 531–560, 2003 # 2003 Kluwer Academic Publishers. Manufactured in The Netherlands. Financial Statement Analysis of Leverage and How It Informs About Profitability and Price-to-Book Ratios DORON NISSIM dn75@columbia.edu Graduate School of Business, Columbia University, 3022 Broadway, Uris Hall 604, New York, NY 10027 STEPHEN H. PENMAN shp38@columbia.edu Graduate School of Business, Columbia University, 3022 Broadway, Uris Hall 612, New York, NY 10027 Abstract. This paper presents a financial statement analysis that distinguishes leverage that arises in financing activities from leverage that arises in operations. The analysis yields two leveraging equations, one for borrowing to finance operations and one for borrowing in the course of operations. These leveraging equations describe how the two types of leverage affect book rates of return on equity. An empirical analysis shows that the financial statement analysis explains cross-sectional differences in current and future rates of return as well as price-to-book ratios, which are based on expected rates of return on equity. The paper therefore concludes that balance sheet line items for operating liabilities are priced differently than those dealing with financing liabilities. Accordingly, financial statement analysis that distinguishes the two types of liabilities informs on future profitability and aids in the evaluation of appropriate price-to-book ratios. Keywords: financing leverage, operating liability...
Words: 13315 - Pages: 54
...Kasaysayan ng Saligang-Batas Saligang-Batas ng Biyak-na-Bato (1896) – Ang Wikang Tagalog ang magiging opisyal na wika ng Pilipinas. Saligang-Batas ng 1935 – Ang Kongreso ay gagawa ng mga hakbang tungo sa pagpapaunlad at pagpapatibay ng isang wikang pambansa na batay sa isa sa mga umiiral na katutubong wika. Hanggang hindi nagtatadhana ng iba ang batas, ang Ingles at Kastila ay patuloy ng gagamiting mga wikang opisyal. Saligang-Batas ng 1973 – Ang Batasang Pambansa ay dapat gumawa ng mga hakbang tungo sa paglinang at pormal na adopsyon ng isang panlahat na wikang pambansa na tatawaging Filipino Saligang-Batas ng 1987 – Ang Wikang Pambansa ng Pilipinas ay Filipino. Samantalang nililinang, ito’y dapat payabungin at pagyamanin pa salig sa umiiral na mga wika ng Pilipinas at sa iba pang mga wika. saligang batas ng La Liga Filipina Ang isang maikling buhay na saligang batas na hinanda ng makabayang si Jose Rizal para sa samahang La Liga Filipina ngunit nabuwag nang si Rizal ay ipinatapon sa Dapitan. Saligang Batas ng Biak-na-Bato (1897) Ang himagsikang Katipunan ay nagdulot ng pagpupulong Tejeros kung saan ang unang pampangulo at pang ikalawang pangulong mgahalalan ay isinagawa noong 22 Marso 1897 sa San Francisco de Malabon, Kabite. Gayunpaman, tanging mga kasapi lamang ngKatipunan ang nakalahok at hindi ang buong mamamayan. Ang kalaunang pagpupulong ng rebolusyonaryong pamahalaan na isinagawa noong 1 Nobyembre 1897 sa Biak-na-Bato sa bayan ng San Miguel de...
Words: 1172 - Pages: 5
...Software Risk Management: Principles and Practices BARRY W. BOEHM, Defense Advanced Research Projects Agency I) Identzhing and dealing with risks early in development lessens long-tem costs and helps prevent so@are disasters. It is easy t o begin managing risks in your environment. their early stages, the software field has had its share of project disasters: the software equivalents of the Beauvais Cathedral, the hWlS Titanic, and the “Galloping Gertie” Tacoma Narrows Bridge. The frequency of these software-project disasters is a serious concern: A recent survey of 600 firms indicated that 35 percent of them had at least one runaway software project.’ Most postmortems of these softwareproject disasters have indicated that their problems would have been avoided or strongly reduced if there had been an explicit early concern with identifylng and resolving their high-risk elements. Frequently, these projects were swept along by a tide of optimistic enthusiasm during their early phases that caused them to miss some clear signals of high-risk issues that proved to be their downfall later. Enthusiasm for new software capabilities is a good thing. But it must be tempered with a concern for early identification and resolution of a project’s high-risk elements so people can get these resolved early and then focus their enthusiasm and energy on the positive aspects of their product. Current approaches to the software process make it too easy for projects to make high-risk...
Words: 5776 - Pages: 24
...BBC ANNIVERSARY MESSAGE- JUNE 30,2013 Pastor Edward Loyola ANG PAGLAGO NG IGLESYA 2 Pedro 1: 1-2 1 Mula kay Simon Pedro, isang lingkod at apostol ni Jesu-Cristo---Para sa inyong lahat na tulad nami'y tumanggap ng napakahalagang pananampalatayang mula sa ating makatarungang Diyos at Tagapagligtas na si Jesu-Cristo. 2 Sumagana nawa sa inyo ang pagpapala at kapayapaan ng Diyos sa pamamagitan ng inyong pagkakilala sa kanya at sa ating Panginoong Jesus. KALOOBAN NG DIYOS NA ANG BAWAT MANANAMPALATAYA AY MANAGANA… KALOOBAN NG DIYOS NA ANG KANYANG CHURCH AY SUMAGANA SA PAGPAPALA… MALIGAYANG ANIBERSARYO PO SA ATING LAHAT!!! Mateo 16:13-18 13 Nang dumating si Jesus sa bayan ng Cesarea ng Filipos, tinanong niya ang kanyang mga alagad, "Ano ang sinasabi ng mga tao patungkol sa Anak ng Tao?" 14 At sumagot sila, "Ang sabi po ng ilan kayo si Juan na Tagapagbautismo. Sabi po naman ng iba, kayo si Elias. At may nagsasabi pong kayo si Jeremias, o isa sa mga propeta." 15 Tinanong ulit sila ni Jesus, "Ngunit para sa inyo, sino ako?" 16 Sumagot si Simon Pedro, "Kayo po ang Cristo, ang Anak ng Diyos na buhay." 17 Sinabi sa kanya ni Jesus, "Mapalad ka, Simon na anak ni Jonas! Sapagkat ang katotohanang ito'y hindi inihayag sa iyo ng sinumang tao kundi ng aking Ama na nasa langit. 18 At sinasabi ko sa iyo, ikaw ay Pedro, at sa ibabaw ng batong ito ay itatayo ko ang aking iglesya at ang pintuan ng daigdig ng mga patay ay hindi magtatagumpay laban sa kanya. SI JESUS ANG...
Words: 6699 - Pages: 27