...Buying Versus Renting Ashley Mawhorter 1/11/2011 Axia College of University of Phoenix Every American has dreamed of owning their own dream home, whether they are young or old. Still many Americans choose to rent apartments. Why is this? There are many more pros when individuals decide to buy a home. That is why buying a home is a better option than renting an apartment. Jumping right into the first home one sees is also not the proper way to buy a home. Much time and research needs to be done and many things taken into consideration before deciding the best decision. Do I want to have a landlord, or be the landlord? How much can I afford if I choose to buy a home? Where do I want to be located and what style home am I looking for? Are there any pros and cons to buying verse renting? How much would property taxes be yearly? These are all important questions to take into consideration, and that will be covered in paragraphs to come. First and most important is figuring out how much each individual can afford. On ginniemae.gov there are two calculators that can help to determine individual financial status. The first calculator helps individuals to determine the advantages and considerations of owning verse renting a home (http://www.ginniemae.gov). Using the calculator I have come up with an example. If I were renting a home that cost 800 dollars a month and I wanted to buy a house I found for 100,000 I would simply calculate the percentage of down payment, length of...
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...“Clear thinking requires peace of mind rather than intelligence.” ~Meredith Forder … When it comes to making the right choices in life, mere intelligence will not guarantee the best result. This fact is exemplified by the problems of obesity, anxiety, stress, addictions and depression among highly intelligent people. At Clear Thinking we believe that many of life’s problems can be solved by simply learning how to think clearly—how to keep your mind calm, focused and within your control. Critical thinking...the awakening of the intellect to the study of itself. Critical thinking is a rich concept that has been developing throughout the past 2500 years. The term "critical thinking" has its roots in the mid-late 20th century. We offer here overlapping definitions, together which form a substantive, transdisciplinary conception of critical thinking. Critical Thinking as Defined by the National Council for Excellence in Critical Thinking, 1987 A statement by Michael Scriven & Richard Paul, presented at the 8th Annual International Conference on Critical Thinking and Education Reform, Summer 1987. Critical thinking is the intellectually disciplined process of actively and skillfully conceptualizing, applying, analyzing, synthesizing, and/or evaluating information gathered from, or generated by, observation, experience, reflection, reasoning, or communication, as a guide to belief and action. In its exemplary form, it is based on universal intellectual values that...
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...E.Mail Address | Khadijah Mohamad Radzi | CGA130056 | 019-6795231 | khadijah.fahim@gmail.com | Nasira Banu Rahim Khan | CGA130106 | 019-3612038 | nasira@bnm.gov.my | Yu Kong Cing | CGA120010 | 012-6842818 | kcyu@fella.com.my | Prepared for DR. MOHAMMAD NAZRI BIN MOHD. NOR Submission Date: 15 May 2014 Due Date: 19 May 2014 Word Count: 3859 Content | Page | 1.0 Executive Summary | 1 | 2.0 Background of Study | 2-6 | 3.0 Problem Statement | 6-8 | 4.0 Research Question | 8 | 5.0 Objectives of Study | 8 | 6.0 Literature Review | 8-9 | 7.0 Discussion | 9-12 | 8.0 Recommendation | 12-15 | 9.0 Conclusion | 15 | 10.0 References | 16 | 11.0 Appendix 1 – Organizational Chart | | 1.0 Executive Summary The purpose of this paper is to study the differences and similarities of four generations of FELDA workers and the implication of it to the organization’s competitiveness. FELDA has been chosen for the study because it is a unique organization involved widely in business as well as community development in 319 Felda Settlements. With a total employee of 3,990 people working locally and overseas it is truly a challenging task for the management to keep pace with the diversity in the workplace. As we want to have an effective relationship with other human...
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...Universitatea “Dunărea de Jos” din Galați Facultatea de Litere Specializarea: Limba și literatura română – Limba și literatura engleză Limba engleză contemporană. Semantica Conf.dr. Mariana Neagu Anul III, Semestrul 2 D.I.D.F.R. UDJG Facultatea de Litere Contemporary English Language. Semantics Course tutor: Associate Professor Mariana Neagu Galați 2011 Contents 1. Introduction 1.1. Definitions and the beginnings of semantics 1.2. An overview of semantic studies 1.3. Study questions and exercises 5 5 5 10 2. The relationship between language, thought and reality 11 2.1. Extension and intension 2.2. Sign – sense – referent 2.3. Types of signs 2.4. Models of meaning 2.5 Study questions 11 12 13 14 16 3. Types and dimensions of meaning 3.1 Descriptive meaning 3.2 Non-descriptive meaning 3.3 Social meaning 3.4 Evoked meaning 3.5 Study questions and exercises 17 18 19 20 21 23 4. Sense relations(I):polysemy and homonymy 4.1. Semasiology and onomasiology- two basic approaches to the study of words and their senses 4.2. From word to concept: polysemy and Homonymy 4.3 Study questions and exercises 25 25 26 27 5. Sense relations (II): synonymy and antonymy 5.1. From concept to word: synonymy and antonymy 5.2. Study questions and exercises 31 31 34 6. Hierarchical sense relations: hyponymy and meronymy 6.1 Hyponymy 6.2 Meronymy 6.3 Study questions and exercises 39 39 40 42 7. Semantic organization 7.1. The lexicon...
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...developmental psychology. Because of time limitations, none of these topics can be covered in great depth. The reference textbooks and the material presented in class will serve as the primary sources for the material to be covered. INTRODUCTION TO THE STUDY OF PSYCHOLOGY Psychology is the scientific study of behaviour and mental processes. It is an academic and applied discipline involving the scientific study of mental processes and behaviour. Psychology also refers to the application of such knowledge to various spheres of human activity, including problems of individuals' daily lives and the treatment of mental illness. It is largely concerned with humans, although the behaviour and mental processes of animals can also be part of psychology research, either as a subject in its own right (e.g. animal cognition and ethnology), or somewhat more controversially, as a way of gaining an insight into human psychology by means of comparison (including comparative psychology). Origins of the psychology Near the end of 19th century things started drawing together. Questions raised by philosophers were being examined by physiologists, and vice versa. a. What is the relationship between the mind and the body? b. Why do people loose their minds? What is insanity? c. How do we perceive things? Why are their perceptions of the same stimulus different? d. What affect do our experiences have on us? How important are environmental influences versus characteristics and predispositions we are born with...
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...a day. II. Title. BF442.C48 2005 153.4'3—dc22 2005047185 Printed in the United States of America 987654321 Second Edition ISBN 1-57685-493-0 For information on LearningExpress, other LearningExpress products, or bulk sales, please write to us at: LearningExpress 55 Broadway 8th Floor New York, NY 10006 Or visit us at: www.learnatest.com Contents HOW TO USE THIS BOOK ix PRETEST 1 LESSON 1 Critical Thinking and Reasoning Skills The importance of critical thinking and reasoning skills, justifying your decisions, the difference between reason and emotion 15 LESSON 2 Problem-Solving Strategies Identifying the main issue of a problem and its parts, prioritizing issues 21 LESSON 3 Thinking vs. Knowing Distinguishing between fact and opinion, determining whether facts are true or tentative truths 27 LESSON 4 Who Makes the Claim? Evaluating credibility: recognizing bias, determining level of expertise; the special case of eyewitnesses 33 LESSON 5 Partial Claims and Half-Truths Recognizing incomplete claims, understanding the true value of studies and averages 41 v – CONTENTS – LESSON 6 What’s in a Word? Recognizing the art of subtle persuasion: euphemisms, dysphemisms, and biased questions 47 LESSON 7 Working with Arguments...
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...vantage//~‘L~ FIRST-MOVER ADVANTAGES Marvin B. Lieberman David B. Montgomery’ October 1987 Research Paper No. 969 1The authors are, respectively, Assistant Professor of Business Policy, and Robert A. Magowan Professor of Marketing, at the Stanford Business School. We thank Piet Vanden Abeele, Rajiv Lal, Mark Satterthwaite and Birger Wernerfelt for helpfiul discussions on earlier drafts. The Strategic Management Program at Stanford Business School provided financial support. / ~‘N ~ Abstract This article surveys the theoretical and empirical literature on mechanisms that confer advantages and disadvantages on first-mover firms. Major conceptual issues are addressed, and recommendations are given for future research. Managerial implications are also considered. INTRODUCTION What, exactly, are first-mover advantages? Under what conditions do they arise, and by what specific mechanisms? Do first-movers make aboveaverage profits? And when is it in a firm’s interest to pursue first-mover opportunities, as opposed to allowing rivals to make the pioneering investments? In this paper we examine these and other related questions. We categorize the mechanisms that confer advantages and disadvantages on first-mover firms, and critically assess the relevant theoretical and empirical literature. The recent burgeoning of theoretical work in industrial economics provides a rich set of models that help make our understanding of first-mover advantages more precise. There...
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...FIRST-MOVER ADVANTAGES Marvin B. Lieberman David B. Montgomery’ October 1987 Research Paper No. 969 //~‘L~ 1The authors are, respectively, Assistant Professor of Business Policy, and Robert A. Magowan Professor of Marketing, at the Stanford Business School. We thank Piet Vanden Abeele, Rajiv Lal, Mark Satterthwaite and Birger Wernerfelt for helpfiul discussions on earlier drafts. The Strategic Management Program at Stanford Business School provided financial support. / ~‘N ~ Abstract This article surveys the theoretical and empirical literature on mechanisms that confer advantages and disadvantages on first-mover firms. Major conceptual issues are addressed, and recommendations are given for future research. Managerial implications are also considered. INTRODUCTION What, exactly, are first-mover advantages? Under what conditions do they arise, and by what specific mechanisms? Do first-movers make aboveaverage profits? And when is it in a firm’s interest to pursue first-mover opportunities, as opposed to allowing rivals to make the pioneering investments? In this paper we examine these and other related questions. We categorize the mechanisms that confer advantages and disadvantages on first-mover firms, and critically assess the relevant theoretical and empirical literature. The recent burgeoning of theoretical work in industrial economics provides a rich set of models that help make our understanding of first-mover advantages more precise. There is...
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...FREAKONOMICS A Rogue Economist Explores the Hidden Side of Everything Revised and Expanded Edition Steven D. Levitt and Stephen J. Dubner CONTENTS AN EXPLANATORY NOTE In which the origins of this book are clarified. vii PREFACE TO THE REVISED AND EXPANDED EDITION xi 1 INTRODUCTION: The Hidden Side of Everything In which the book’s central idea is set forth: namely, if morality represents how people would like the world to work, then economics shows how it actually does work. Why the conventional wisdom is so often wrong . . . How “experts”— from criminologists to real-estate agents to political scientists—bend the facts . . . Why knowing what to measure, and how to measure it, is the key to understanding modern life . . . What is “freakonomics,” anyway? 1. What Do Schoolteachers and Sumo Wrestlers Have in Common? 15 In which we explore the beauty of incentives, as well as their dark side—cheating. Contents Who cheats? Just about everyone . . . How cheaters cheat, and how to catch them . . . Stories from an Israeli day-care center . . . The sudden disappearance of seven million American children . . . Cheating schoolteachers in Chicago . . . Why cheating to lose is worse than cheating to win . . . Could sumo wrestling, the national sport of Japan, be corrupt? . . . What the Bagel Man saw: mankind may be more honest than we think. 2. How Is the Ku Klux Klan Like a Group of Real-Estate Agents? 49 In which it is argued that nothing is more powerful than information,...
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...Chapter Overview 12.1 The Beginnings of Development What Is Development? Prenatal Development The Newborn CONCEPT LEARNING CHECK 12.1 Before and Preoperational Stage Concrete Operational Stage Formal Operational Stage Challenges to Piaget’s Stage Theory Social Development The Power of Touch Attachment Theory Disruption of Attachment Family Relationships Peers After Birth 12.2 Infancy and Childhood Physical Development Cognitive Development Piaget’s Stage Theory Sensorimotor Stage CONCEPT LEARNING CHECK 12.2 Stages of Cognitive Development 12 Learning Objectives Development Throughout the Life Span 12.1 12.2 12.3 12.4 12.5 Describe the development of the field and explain the prenatal and newborn stages of human development. Discuss physical development in infants and newborns. Examine Piaget’s stage theory in relation to early cognitive development. Illustrate the importance of attachment in psychosocial development. Discuss the impact of sexual development in adolescence and changes in moral reasoning in adolescents and young adults. Examine the life stages within Erikson’s theory of psychosocial development. Illustrate the physical, cognitive, and social aspects of aging. Describe the multiple influences of nature and nurture in human development. 12.3 Adolescence and Young Adulthood Physical Development Cognitive Development Social Development Cognitive Development Social Development Continuity or Change Relationships Ages and...
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...September night. I was unprepared for the weather that day, wearing only a tan cashmere sweater underneath my sports jacket. I was still cold from the walk from my hotel to the pier as I boarded the crowded cruise ship on which I was going to meet Martin Lindstrom for the first time. He had spoken that day at a food service conference held by the Gottlieb Duttweiler Institute, the venerable Swiss think tank, and David Bosshart, the conference organizer, was eager for us to meet. I had never heard of Martin before. We moved in different circles. However, I had seen BRANDchild, Martin’s latest book, in the JFK airport bookstore before I flew into Zurich. Anyone seeing Martin from twenty feet away might mistake him for someone’s fourteen-year-old son, being dragged reluctantly to meeting after meeting with his father’s overweight graying business associates. The second impression is that...
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...September night. I was unprepared for the weather that day, wearing only a tan cashmere sweater underneath my sports jacket. I was still cold from the walk from my hotel to the pier as I boarded the crowded cruise ship on which I was going to meet Martin Lindstrom for the first time. He had spoken that day at a food service conference held by the Gottlieb Duttweiler Institute, the venerable Swiss think tank, and David Bosshart, the conference organizer, was eager for us to meet. I had never heard of Martin before. We moved in different circles. However, I had seen BRANDchild, Martin’s latest book, in the JFK airport bookstore before I flew into Zurich. Anyone seeing Martin from twenty feet away might mistake him for someone’s fourteen-year-old son, being dragged reluctantly to meeting after meeting with his father’s overweight graying business associates. The second impression is that...
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...vermilion a shade of King Zog ruled which country What colour is Spock's blood Where in your body is your patella Where can you find London bridge today What spirit is mixed with ginger beer in a Moscow mule Who was the first man in space What would you do with a Yashmak Who betrayed Jesus to the Romans Which animal lays eggs On television what was Flipper Who's band was The Quarrymen Which was the most successful Grand National horse Who starred as the Six Million Dollar Man In the song Waltzing Matilda - What is a Jumbuck Who was Dan Dare's greatest enemy in the Eagle What is Dick Grayson better known as What was given on the fourth day of Christmas What was Skippy ( on TV ) What does a funambulist do What is the name of Dennis the Menace's dog What are bactrians and dromedaries Who played The Fugitive Who was the King of Swing Who was the first man to fly across the channel Who starred as Rocky Balboa In which war was the charge of the Light Brigade Who invented the television Who would use a mashie niblick In the song who killed Cock Robin What do deciduous trees do In golf what name is given to the No 3 wood If you has caries who would you consult What other name is Mellor’s famously known by What did Jack Horner pull from his pie How many feet in a fathom which film had song Springtime for Hitler Name the legless fighter pilot of ww2 What was the name of inn in Treasure Island What was Erich Weiss better known as Who sailed in the Nina -...
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...The New Astrology by SUZANNE WHITE Copyright © 1986 Suzanne White. All rights reserved. 2 Dedication book is dedicated to my mother, Elva Louise McMullen Hoskins, who is gone from this world, but who would have been happy to share this page with my courageous kids, April Daisy White and Autumn Lee White; my brothers, George, Peter and John Hoskins; my niece Pamela Potenza; and my loyal friends Kitti Weissberger, Val Paul Pierotti, Stan Albro, Nathaniel Webster, Jean Valère Pignal, Roselyne Viéllard, Michael Armani, Joseph Stoddart, Couquite Hoffenberg, Jean Louis Besson, Mary Lee Castellani, Paula Alba, Marguerite and Paulette Ratier, Ted and Joan Zimmermann, Scott Weiss, Miekle Blossom, Ina Dellera, Gloria Jones, Marina Vann, Richard and Shiela Lukins, Tony Lees-Johnson, Jane Russell, Jerry and Barbara Littlefield, Michele and Mark Princi, Molly Friedrich, Consuelo and Dick Baehr, Linda Grey, Clarissa and Ed Watson, Francine and John Pascal, Johnny Romero, Lawrence Grant, Irma Kurtz, Gene Dye, Phyllis and Dan Elstein, Richard Klein, Irma Pride Home, Sally Helgesen, Sylvie de la Rochefoucauld, Ann Kennerly, David Barclay, John Laupheimer, Yvon Lebihan, Bernard Aubin, Dédé Laqua, Wolfgang Paul, Maria José Desa, Juliette Boisriveaud, Anne Lavaur, and all the others who so dauntlessly stuck by me when I was at my baldest and most afraid. Thanks, of course, to my loving doctors: James Gaston, Richard Cooper, Yves Decroix, Jean-Claude Durand, Michel Soussaline and...
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...TESTS English Grammar (Tests) © 2003—2006 www.english-test.net 1. elementary-1 English Grammar / Incomplete Sentences / Elementary level # 1 Speaking already Q1 Can you hear what he is .......? (a) saying Q2 (d) watched (b) next (c) by (d) nearby (c) similar (d) same (c) least (d) later (c) did (d) make (c) real (d) whole (c) in (d) on (c) in (d) on (b) like (b) latest (b) done I want you to tell me the ....... truth. (a) all Q9 (c) viewed I only ....... one mistake in last night's test. (a) made Q8 (b) looked This television gives you the ....... news. (a) last Q7 (d) till She looks ....... a famous film star. (a) as Q6 (c) yet (b) already We live ....... the city centre. (a) near Q5 (d) talking I ....... TV yesterday evening. (a) saw Q4 (c) telling She hasn't come home ........ (a) still Q3 (b) speaking (b) exact He is looking ....... a present to buy his girlfriend. (a) for (b) at Q10 That's what I would like ....... Christmas. (a) for (b) at © 2003—2006 www.english-test.net 2. elementary-2 English Grammar / Incomplete Sentences / Elementary level # 2 Drive carefully Q1 You must not drink and then ....... a car. (a) lead Q2 (c) dislike (d) mind (b) lend (c) loan (d) owe (b) bring (c) fetch (d) remove (b) over (c) through (d) on (b) on (c) in ...
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