...and a contribution to the economic cycle. While there were many gray areas of activity, this research will focus on the investment strategies used to control the clients financial investment gain and in most cases loss. Furthermore, this paper will outline the unethical behavior that was associated with the fraudulent transactions of Goldman Sachs as it related to the clients and public investors. Was Goldman Sachs Socially Responsible? The problem to be investigated is whether Goldman Sachs violated its own Code of Ethics in dealing with clients and public investors. According to the Preamble of the Business Code of Ethics, Goldman Sachs believes the highest standard of integrity should be included as the focal element in a business relationship. Regardless of how perceptive one might be in understanding the investment strategies of Goldman Sachs or even its relationship to the difficulties of the market, it is clear that not all activities were in accordance with the good old-fashioned law of principle and ethics. Background Goldman Sachs history has never been clear of controversy, dating back to its inception in 1829. The Laddering investment strategy closely related to a pyramid scheme would collapse close to 42,000 investors causing over $300 billion in losses (Unknown, 2012). In 1940, it was involved in an antitrust lawsuit and the bankruptcy of Penn Central Railroad in 1970. More recently in 2010, the SEC charged Goldman Sachs with deceitfully selling clients...
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...MINNESOTA DRIVER’S MANUAL Minnesota Department of Public Safety Driver and Vehicle Services Division dvs.dps.mn.gov Minnesota Driver’s Manual A Message from the Commissioner of Public Safety The Minnesota Driver’s Manual provides a summary of state laws, rules, and techniques to follow in order to drive safely and legally in Minnesota. State laws and rules change periodically, so each year’s manual contains new information. Driving is a privilege and also a responsibility. Please remember to buckle up, obey speed laws and never drive under the influence of alcohol or drugs. Respect for traffic laws and respect for other drivers will keep us all safe on the road. Sincerely, Commissioner Ramona Dohman Minnesota Department of Public Safety Minnesota Driver’s Manual New Laws and Information Passing Certain Parked Vehicles (M.S. 169.18) Statute amended to include utility company vehicle. (See page 40.) Second Texting While Driving Violation (M.S. 169.475) A person who commits a second violation of using a wireless communications device to compose, read, or send an electronic message when a vehicle is in motion or a part of traffic will be required to pay a $225 fine in addition to the fine specified in the uniform fine schedule. (See page 37.) Reckless Driving (M.S. 169.13) The definition of reckless driving is changed to a “person who drives a motor vehicle while aware of and consciously disregarding a substantial and unjustifiable...
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...More Than a Numbers Game A Brief Histor y of Accounting Thomas A. King John Wiley & Sons, Inc. More Than a Numbers Game More Than a Numbers Game A Brief Histor y of Accounting Thomas A. King John Wiley & Sons, Inc. Copyright © 2006 by Thomas A. King. All rights reserved. Published by John Wiley & Sons, Inc., Hoboken, New Jersey. 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 Section 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, Inc., 222 Rosewood Drive, Danvers, MA 01923, (978) 750-8400, fax (978) 646-8600, or on the web at www.copyright.com. Requests to the Publisher for permission should be addressed to the Permissions Department, John Wiley & Sons, Inc., 111 River Street, Hoboken, NJ 07030, (201) 748-6011, fax (201) 748-6008, or online at http://www.wiley.com/go/permissions. Limit of Liability/Disclaimer of Warranty: While the publisher and author have used their best efforts in preparing this book, they make no representations or warranties with respect to the accuracy or completeness of the contents of this book and specifically disclaim any implied warranties of merchantability...
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...Driver’s Manual State of Connecticut Department of Motor Vehicles Dannel P. Malloy Governor ct.gov/dmv facebook.com/CTDMVteens @CTDMV Melody A. Currey Commissioner An Important Message from Governor Dannel P. Malloy and Commissioner Melody A. Currey Connecticut takes pride in its highway safety initiatives and efforts to make the roads safer for all who use them. This work involves driver licensing and ensuring that new and renewing drivers are aware of safety’s critical role when behind the wheel. For the state’s youngest drivers, obtaining your license is a time of joy and freedom, but it comes with great responsibility. Two years ago Connecticut imposed tougher teen driving laws for 16and 17-year-old drivers. These laws, along with stiffer penalties, were put into place to keep you safe on the road as you learn and become a more experienced driver. It takes time and practice. We hope you understand that the laws and penalties are in place to help reduce crashes, injuries and deaths. We want to remind all license holders that driving is a privilege and not a right. Connecticut has specific laws, such as speeding, driving too fast for conditions, reckless driving, driving under the influence, and others that aim to protect all people on the road whether vehicle drivers, passengers or pedestrians. Distracted driving, including the use of phones while driving, has been noted as a contributing factor in many serious accidents. We urge all drivers to remain focused...
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...Class D & E Driver’s Guide LOUISIANA OFFICE OF MOTOR VEHICLES DPSMV2052 (R042013) Message from the Commissioner “Welcome to driving in Louisiana.” I am pleased to present the Louisiana Driver’s Guide to our new and current drivers. This guide is designed to provide you with the rules of the road, knowledge to assist you in making better driving decisions, and valuable information on safety and sharing the road with others. It is incumbent upon you, the driver, to respect all traffic laws and other drivers as well. Driving is a vital part of life. It provides you with a means of attaining the necessities of daily living as well as providing you with the added convenience to move about at leisure. The driving experience, however, is a privilege and comes with great responsibilities. Please strive to become a safe and dependable driver to ensure that this privilege is not lost. Driving, the same as life, is a constant learning experience. The information contained in this guide, along with your experience and responsive actions while driving, will assist in protecting you, your family, and other drivers. This guide is not intended to be an official legal reference to the Louisiana traffic laws. It only highlights those laws, driving practices and procedures that you will use most often. It should be noted that the material in this guide is subject to change to comply with amended State and Federal legislations. Remember to buckle up. Safety belts save lives. Let’s work...
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...Class D & E Driver’s Guide DPSMV2052 (R062013) LOUISIANA OFFICE OF MOTOR VEHICLES Message from the Commissioner “Welcome to driving in Louisiana.” I am pleased to present the Louisiana Driver’s Guide to our new and current drivers. This guide is designed to provide you with the rules of the road, knowledge to assist you in making better driving decisions, and valuable information on safety and sharing the road with others. It is incumbent upon you, the driver, to respect all traffic laws and other drivers as well. Driving is a vital part of life. It provides you with a means of attaining the necessities of daily living as well as providing you with the added convenience to move about at leisure. The driving experience, however, is a privilege and comes with great responsibilities. Please strive to become a safe and dependable driver to ensure that this privilege is not lost. Driving, the same as life, is a constant learning experience. The information contained in this guide, along with your experience and responsive actions while driving, will assist in protecting you, your family, and other drivers. This guide is not intended to be an official legal reference to the Louisiana traffic laws. It only highlights those laws, driving practices and procedures that you will use most often. It should be noted that the material in this guide is subject to change to comply with amended State and Federal legislations. Remember to buckle up. Safety belts save lives. Let’s work...
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...IMPORTANT INFORMATION ABOUT THIS PUBLICATION The information in this manual is not copyrighted and may be reproduced or translated by the user as needed. Every effort has been made to provide, in this publication, the most current and accurate information as of July 1, 2009. Misprints or outdated information that may appear within these pages will not override or supersede changes that have occurred in the law, promulgated rules and regulations or policy that has been initiated since the printing date. Where You Can Obtain a Copy of this Publication This publication is available at every Driver Service Center location across the state. This publication is also available online at the Tennessee Department of Safety website: tn.gov/safety Written comments/concerns about this publication should be sent to: Tennessee Department of Safety Driver Services Division PO Box 945 Nashville, Tennessee 37202 Service Locations to Obtain or Renew Your License: To provide the best possible service, the Department of Safety has Driver Service Centers located throughout the state, open on different days, with expanded operating hours. We have offices open Monday through Friday, Monday through Thursday, as well Tuesday through Friday; to allow for expanded hours of operation to accommodate our customer’s needs and schedules. To find the nearest location with the service days and operating hours that best fit your needs, go to our website at tn.gov/safety or by calling toll-free 1-866-849-3548....
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...IMPORTANT INFORMATION ABOUT THIS PUBLICATION The information in this manual is not copyrighted and may be reproduced or translated by the user as needed. Every effort has been made to provide, in this publication, the most current and accurate information as of July 1, 2009. Misprints or outdated information that may appear within these pages will not override or supersede changes that have occurred in the law, promulgated rules and regulations or policy that has been initiated since the printing date. Where You Can Obtain a Copy of this Publication This publication is available at every Driver Service Center location across the state. This publication is also available online at the Tennessee Department of Safety website: tn.gov/safety Written comments/concerns about this publication should be sent to: Tennessee Department of Safety Driver Services Division PO Box 945 Nashville, Tennessee 37202 Service Locations to Obtain or Renew Your License: To provide the best possible service, the Department of Safety has Driver Service Centers located throughout the state, open on different days, with expanded operating hours. We have offices open Monday through Friday, Monday through Thursday, as well Tuesday through Friday; to allow for expanded hours of operation to accommodate our customer’s needs and schedules. To find the nearest location with the service days and operating hours that best fit your needs, go to our website at tn.gov/safety or by calling toll-free 1-866-849-3548....
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...construction Harriet Strong 1887 Direct and return mailing envelope Beulah Henry 1962 Dishwasher Josephine Cochran 1872 Drinking fountain device Laurene O'Donnell 1985 Electric hot water heater Ida Forbes 1917 Elevated railway Mary Walton 1881 Engine muffler El Dorado Jones 1917 Feedback control for data processing Erna Hoover 1971 Fire escape Anna Connelly 1887 Globes Ellen Fitz 1875 Grain storage bin Lizzie Dickelman 1920 Improved locomotive wheels Mary Jane Montgomery 1864 Improvement in dredging machines Emily Tassey 1876 Improvement in stone pavements Emily Gross 1877 Kevlar, a steel-like fiber used in radial tires, crash helmets, and bulletproof vests Stephanie Kwolek 1966 Life raft Maria Beaseley 1882 Liquid Paper correction fluid Bette Nesmith Graham 1956 Locomotive chimney Mary Walton 1879 Medical syringe Letitia Geer 1899 Mop-wringer pail Eliza Wood 1889 Oil burner Amanda Jones 1880 Permanent wave for the hair Marjorie Joyner 1928 Portable screen summer house Nettie Rood 1882 Refrigerator Florence Parpart 1914 Rolling pin Catherine Deiner 1891 Rotary engine Margaret Knight 1902 Safety device for elevators Harriet Tracy 1892 Street cleaning machine Florence Parpart 1900 Submarine lamp and telescope Sara Mather 1845 Suspenders Laura Cooney 1896 Washing machine Margaret Colvin 1871 Windshield wiper Mary Anderson 1903 Zigzag sewing machine Helen Blanchard 1873 Harriet Russell Strong of Oakland (1844-1929). An entrepreneur...
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...“Critically evaluate the role of credit rating agencies such as Standard and Poor’s and Moody’s in promoting well-functioning capital markets. How well are the agencies performing their roles?” – December 2013 past paper Credit rating agencies are private profit oriented entities that earn revenues for issuing opinions on the credit worthiness of sovereign governments, corporations and a variety of specific debt issues and issuers. They enjoy a high level of credibility in the investment community and their opinions are extremely influential. Credit rating agencies first emerged in the United States in 1909. They initially issued ratings solely for the debt obligations of the railroad, which had catalysed the development of a global bond market to finance their expansion. The advent of credit rating agencies in the early 20th Century reflected the emergence of highly capital intensive industries in the USA and the corresponding expansion of capital markers to finance them. Over recent decades, global capital flows have accelerated as sovereign borrowers, notably in the developing world, turn to private capital markets for financing needs previously met by commercial and development banks, as well as multilateral agencies. The two major credit rating agencies are Standard and Poor’s and Moody’s Corporation. Standard and Poor’s is now a wholly owned subsidiary of the McGraw Hill Group of companies,, while Moody’s Corporation is the parent company of Moody’s Investor...
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...UNIVERSITY OF PETROLEUM & ENERGY STUDIES DEHRADUN Group Project RAILWAY LOGISTICS (HEAVY HAUL TRAIN OPERATIONS) RESEARCH METHODOLOGY (MBCQ 721) Submitted to: Dr. NEERAJ ANAND Associate Professor& HOD – QT/RM/Operations CMES Submitted by : Name: AmolKhare Roll No: R600212004 Name: Ruchika Sahu Roll No: R600212039 Name: Rahul Kushwah Roll No: R600212031 MBA (LSCM)Sem II Batch 2012-14 Railway Logistics (Heavy Haul Train Operations). Page 1 ACKNOWLEDGMENT Our deepest thanks to, Dr Neeraj Anand, Associate Professor & HOD–QT/RM/Operations for College of Management and Economic Studies, as a guiding hand for us. He has taken pain to go through the project and also had spent time in giving necessary suggestions as and when needed. We would like to express our gratitude towards Mr R K Khare, Assistant Design Engineer, Track Department, of Research Design and Standard Organisation, Lucknow. Thereby our parents & classmates for their kind co-operation and encouragement which helped us in the completion of this project framework. We would like to express our special gratitude and thanks to industry persons for giving us such attention and time. Our thanks and appreciation also goes to the colleagues in developing the project and people who have helped us out with the different aspects of this Project. Date: 23, April 2013 Names: Amol Khare Rahul Kushwah Ruchika Sahu Railway Logistics (Heavy Haul Train Operations). Page 2 INDEX Sr. No. Topic Page No. 1...
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...State of Michigan What Every Driver Must Know Ruth Johnson, Secretary of State July 2012 WEDMK November 2012.indd 1 11/1/2012 9:02:59 AM Dear Michigan Motorist: There are nearly 7 million licensed drivers and 10 million registered vehicles in Michigan, which means our highways and roads are busy places. Ensuring motorists have the skills and knowledge to drive safely and responsibly is one of the best ways to remain safe on the road. I am pleased to offer this latest edition of What Every Driver Must Know. In it, you will find information about driver’s licenses, teens and driving, common traffic rules, signs and signals, what to do in emergencies, and much more. Whether you are a novice driver or have years of experience behind the wheel, this booklet can be a helpful guide. Driving requires your full attention. Distractions such cell phones, texting, tuning the radio, and eating should be avoided when you are behind the wheel. Please make sure that you and your passengers remain safe. Obey all traffic laws, make sure everyone is buckled up or in an appropriate child safety seat, and never drink and drive. Michigan is a great state with many different opportunities for travel, recreation, and fun. Please drive safely. Sincerely, Ruth Johnson Secretary of State WEDMK November 2012.indd 2 11/1/2012 9:03:00 AM Table of Contents Introduction 6 1. Michigan Driver’s License Information 7 Michigan Residents New Michigan...
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...Abstract According to the Webster dictionary, migration is the movement of people from one country or locality to another. They are different types of migrations; some of which are Global migration, interregional migration and, intraregional migration. There is a significant diversity as it relates to the issues of migration in the United States. These issues vary from state to state. However International /global migration posed the most issues in this country. These issues have affected the United States for many years. James Rubenstein notes that “unrestricted immigration to the United States ended when congress passed the Quota Act in 1921 and the National Origins Act in 1924. However over the years different issues arose on this topic; some of which are job threatening, deportation, population overgrowth, devaluing of property, and increased crime rate. Legal as well as illegal immigrants encounter problems to some extent. The questions of who belongs? Who stays? And who goes? Are often widely debated topics by citizens of the United States? It has also been a focal topic in presidential debates. Others made reference to the DREAM Act by claiming that the political parties fail to address the heart of the immigration problem. Immigration has impacted the United States socially, economically, and politically. Like Global migration, interregional migration also creates issues, in the United States. Introduction The topic of immigration can be broken down into many different...
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...African American Women Under Slavery This paper discusses the experiences of African American Women under slavery during the Slave Trade, their exploitation, the secrecy, the variety of tasks and positions of slave women, slave and ex-slave narratives, and significant contributions to history. Also, this paper presents the hardships African American women faced and the challenges they overcame to become equal with men in today’s society. Slavery was a destructive experience for African Americans especially women. Black women suffered doubly during the slave era. Slave Trade For most women who endured it, the experience of the Slave Trade was one of being outnumbered by men. Roughly one African woman was carried across the Atlantic for every two men. The captains of slave ships were usually instructed to buy as high a proportion of men as they could, because men could be sold for more in the Americas. Women thus arrived in the American colonies as a minority. For some reason, women did not stay a minority. Slave records found that most plantations, even during the period of the slave trade, there were relatively equal numbers of men and women. Slaveholders showed little interest in women as mothers. Their willingness to pay more for men than women, despite the fact than children born to enslaved women would also be the slaveowners’ property and would thus increase their wealth. Women who did have children, therefore, always struggled with the impossible conflict...
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...A Paper Presentation On “Magnetic Levitation Trains” For [pic] ABSTRACT Imagine a train that doesn't touch its track and think of the potential for lower guide way maintenance costs as a result. Imagine a train that speeds along much faster than anything on the highway with a ride as smooth as silk. Imagine that train being capable of speeds higher than any other ground-based transportation system. Maglev can provide this speed and compete directly with airline travel. As stated by American Maglev, "Maglev means magnetically levitated and propelled vehicles. The advantage of maglev is that it can achieve very high speed and acceleration/deceleration performance because the vehicles essentially "fly" at very low altitudes - unlike trains or cars; there is no surface contact or "friction" to slow them down. More speed = more passengers." Only when we have real revenue-producing systems in operation will be able to prove whether this is true or not. In Maglev—which is short for MAGNETIC LEVITATION—high speed vehicles are lifted by magnetic repulsion, and propelled along an elevated guide way by powerful magnets attached to the vehicle. The vehicles do not physically contact the guide way, do not need engines, and do not burn fuel. Instead, they are magnetically propelled by electric power fed to coils located on the guide way. Indeed this is the beginning...
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