...Half-Yearly Report January–June 2011 Shareholder information Stock exchange listing Nestlé S.A. shares are listed on the SIX Swiss Exchange (ISIN code: CH0038863350). American Depositary Receipts (ADRs) (ISIN code: US6410694060) representing Nestlé S.A. shares are offered in the USA by Citibank. Important dates 20 October 2011 2011 Nine months sales figures 16 February 2012 2011 Full Year Results 19 April 2012 145th Annual General Meeting, “Palais de Beaulieu”, Lausanne Registered Offices Nestlé S.A. Avenue Nestlé 55 CH-1800 Vevey (Switzerland) tel.: +41 (0)21 924 21 11 Nestlé S.A. (Share Transfer Office) Zugerstrasse 8 CH-6330 Cham (Switzerland) tel.: +41 (0)41 785 20 20 Further information For additional information, contact: Nestlé S.A. Investor Relations Avenue Nestlé 55 CH-1800 Vevey (Switzerland) tel.: +41 (0)21 924 35 09 fax: +41 (0)21 924 28 13 e-mail: ir@nestle.com As to information concerning the share register (registrations, transfers, address changes, dividends, etc.), please contact: Nestlé S.A. (Share Transfer Office) Zugerstrasse 8 CH-6330 Cham (Switzerland) tel.: +41 (0)41 785 20 20 fax: +41 (0)41 785 20 24 e-mail: shareregister@nestle.com The Half-Yearly Report is available on-line as a PDF file in English, French and German. The Company offers the possibility of depositing, free of charge, Nestlé S.A. shares traded on the SIX Swiss Exchange. Nestlé URL: www.nestle.com Letter to shareholders Fellow shareholders, Nestlé continued to make good...
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...exciting so he will be able to contribute $110,000 to add to the current portfolio. He wants to be able to retire in 20 years, by age 65, and would like to have at least a million dollars for retirement as well as a surplus of greater than or at least $40,000 in order to pay for his new step-son’s college fund. He would like to be able to only use about half of the retirement to live off of, and keep the rest either invested in his portfolio, or set up college funds, IRA’s, etc. to help his family with his grandchildren and give them a chance for a higher education. With this information I was able to calculate a yearly rate of return needed to generate at least $1.1 million dollars with the initial investment of $152,212, compounded over 20 years. The minimum yearly rate of return needed is 10.4 percent. This number assumes the returns on the stocks will not vary and stay constant over time. When Joe and I were going over the numbers, I advised we add five percent to compensate for economic downturns, family emergencies, or other such things that may arise as life continues. He agreed and so, I set his minimum yearly...
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...ECONOMICS AND MANAGEMENT SCIENCES Programme : B.ACC Level of study : 2 Time : 2:30pm – 5:30pm Date : 9.11.2009 Duration : 3 hours Section(s) : 1-2 Course Code : ACC 2501 Course Title : Company Accounting (This Question Paper Consists of 9 Printed Pages With 4 Questions) DO NOT OPEN UNTIL YOU ARE ASKED TO DO SO INSTRUCTION(S) TO CANDIDATES 1. 2. Answer ALL Questions Workings must be shown clearly ANY FORM OF CHEATING OR ATTEMPT TO CHEAT IS A SERIOUS OFFENCE WHICH MAY LEAD TO DISMISSAL APPROVED BY: Question 1 The following are the summarized accounts and financial information in respect of Ameen Berhad. Income Statement for the Year Ended 31 December 2007 RM Revenue: Net sales Dividend income Interest income Total revenue and gains Costs and expenses: Cost of sales Operating expenses (including depreciation) Interest expense Income Taxes RM 7,678,000 120,000 102,000 7,900,000 4,582,000 1,479,000 260,000 520,000 Total cost, expenses and losses Net Income (6,841,000) 1,059,000 Additional information on the balances for non-current assets, non-current liabilities and equity: 31 Dec. 2007 RM 2,344,000 31 Dec. 2006 RM 1,788,000 690,000 Nil Ordinary shares of 50 sen each (Note 7) 1,400,000 1,000,000 Reserves (Note 8) 1,271,000 262,000 Nil 400,000 439,000 400,000 Property, plant and equipment (Note 6) Investment 10% Convertible...
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...6th Semester Azad Jammu & Kashmir University Department of Business Administration Faculty of Administrative Sciences University of Azad Jammu & Kashmir A Report submitted in partial Fulfillments of the Requirements For The Degree Of Bachelor In Business Administration EVOLUTION OF BANKING This history of banking is traced to as early as 2000 B.C. The priests in Greece Used to keep money and valuables of the people in temples. The origin of banking is also Traced to early goldsmiths. They used to keep strong safes for storing the money and Valuables of the people. The goldsmiths used to issue receipts for the money and other valuable assets deposited with them. These receipts could be used for settlement of Transactions because people had confidence in the integrity and solvency of goldsmiths. When it was found that these receipts were fully accepted in payment of debts; then the receipts were drawn in such a way that it entitled any holder to claim the specified amount of money from goldsmiths. A depositor who is to make the payments may now get the money in cash from goldsmiths or pay over the receipt to the creditor. These receipts were the earlier bank notes. The second stage in the development of banking thus was the issue of bank notes. BANKING IN PAKISTAN: I observed during my internship was that I came to known the historical background of Banking & Financial...
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...problems in life which need to be solved. We cannot move ahead without solving or else problems become compounded and life is difficult. To solve any problem of life or of Maths, we need to be logical and organised and use our thinking tanks. Mathematics is a subject which remains a challenge for most students . It seems as challenging as life. Numbers are a very important part of life. The number zero has a very important in maths and life The great , Indian mathematician and astronomer Aryabhata stated about thge zero value that "Sthanam sthanam dasa gunam" which meant place to place in ten times value and which is the modern decimal value system. To talk of life , the value of zero cannot be forfeited . Add zero to any currency note or to any other digit and the value increases ten fold, add two –the value increases hundred fold. As the number of zeros increases, the value of our assets increase.The more the number of zeroes , the more the power you command. Take a look at the Forbes list , the men on top are the people whose assests have the maximum number of zeroes added to any other digit. If a zero is taken out , the people on the list will climb down the ladder. Some people have an affinity for numbers and others are terrorised by digits. This is something you get to know in school when little complicated sums start appearing in the syllabus. Maths always had strong opponents and strong advocates. The class was always divided into two. With the abhorrence for...
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...Socio-economic Impact of Remittance on Households: A Study on Khulna City Md. Ashif Hossain Economics Discipline Social Science School Khulna University Khulna, Bangladesh August, 2013 Socio-economic Impact of Remittance on Households: A Study on Khulna City …………………………………… Md. Ashif Hossain Student Number: BSS 0 9 1 5 0 8 Session: 2011-2012 Supervisor ……………………………………. Sk. Sharafat Hossen Assistant Professor Economics Discipline Khulna University Khulna, Bangladesh A Thesis Paper submitted to the Economics Discipline of Social Science School, Khulna University, Bangladesh in partial fulfillment for the BSS (Hons.) in Economics degree August, 2013 Socio-economic Impact of Remittance on Households: A Study on Khulna City ………………………………………… (Mohammed Ziaul Haider, Ph.D) Head Economics Discipline Social Science School Khulna University August, 2013 Statement of Originality Socio-economic Impact of Remittance on Households: A Study on Khulna City The findings of this Thesis are entirely of the candidate’s own research and any part of it has neither been accepted for any degree nor is it being concurrently submitted for any other degree. ………………………………. Md. Ashif Hossain Student Number: BSS 0 9 1 5 0 8 Session: 2011-2012 August, 2013 Acknowledgement First of all I express my heartfelt gratitude to supreme creator and ruler of the world Almighty ALLAH who has given me the opportunity to conduct my education...
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...International Journal of Humanities and Social Science Invention ISSN (Online): 2319 – 7722, ISSN (Print): 2319 – 7714 www.ijhssi.org Volume 2 Issue 11 ǁ November. 2013ǁ PP.72-76 Poor Study Habit as an Educational Problem Among University Undergraduates In The Contemporary Times And Effective Management Strategies DR.O.O.PITAN . 1, School Of Education . National Open University Of Nigeria. Lagos, Nigeria ABSTRACT :Educational problems are multifaceted and are hindering factors that inhibit the maximal realization of learners’ endowment. These problems could be leaner–resident, school–resident, home-resident or societal–resident. One of the consequences of these problems is academic underachievement and academic failure caused by poor or improper study habit. On the part of the affected students, ethological suggestions to motivate them for achievement and psycho-stimulants to develop their reading skills can be of use in reducing the effect of this educational problem, poor study habit. Studies have established the prevalence of poor study habit among the University undergraduates, which has led to poor performance in home assignments as well as in examinations. Hence, this study focuses on the factors that are capable of precipitating poor study habit which aggravate into educational problems and how they can be effectively managed to increase the level of academic achievement in the average undergraduate .The reduction effect will go a long way to build...
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...Building Background Knowledge for Academic Achievement by Robert J. Marzano Table of Contents Chapter 1. The Importance of Background Knowledge According to the National Center for Education Statistics (2003), every day from September to June some 53.5 million students in the United States walk into classes that teach English, mathematics, science, history, and geography and face the sometimes daunting task of learning new content. Indeed, one of the nation's long-term goals as stated in the The National Education Goals Report: Building a Nation of Learners (National Education Goals Panel, 1991) is for U.S. students to master “challenging subject matter” in core subject areas (p. 4). Since that goal was articulated, national and state-level standards documents have identified the challenging subject matter alluded to by the goals panel. For example, in English, high school students are expected to know and be able to use standard conventions for citing various types of primary and secondary sources. In mathematics, they are expected to understand and use sigma notation and factorial representations. In science, they are expected to know how insulators, semiconductors, and superconductors respond to electric forces. In history, they are expected to understand how civilization developed in Mesopotamia and the Indus Valley. In geography, they are expected to understand how the spread of radiation from the Chernobyl nuclear accident has affected the present-day world. Although...
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...managers to utilize in order to implement their goals and plans. “Organizing creates and maintains relationships between all organizational resources by indicating which resources are to be used for specified activities and when, where, and how they are to be used” (Certo, 247). Organizing, if used effectively, can improve plans, objectives, tasks, and resources while establishing feedback from those sources. My first interviewee is Andrew Ewing, III. Mr. Ewing is a Client Investigator for the Office of the Public Defender for the Fourth Judicial Circuit in Jacksonville, Florida. He has been doing client investigations for 27 years. I am currently working as an intern for the Public Defender’s Office in order to finish my Associate in Science for Paralegal Studies. I wanted to learn more about the procedures that exist within this type of government agency. Mr. Ewing implements middle management procedures such as developing relationships with clients and team members; assigning responsibilities to team members in relationship to their goals and abilities; and reviewing procedures in order to utilize resources better. Second, I chose to interview John W. Thompson, Jr. He is the Manager of Labor Relations for CSXTransportation, Inc. Mr. Thompson has worked for CSX for 36 years. Throughout his career he has been...
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...International Journal of Business and Social Science Vol. 2 No. 18; October 2011 Customers’ Perception towards Service Quality of Life Insurance Corporation of India: A Factor Analytic Approach Dr. H. S. Sandhu Director SAI Technology Campus Amritsar (Punjab) India Ms. Neetu Bala Assistant Professor Maharaja Agrasen College (University of Delhi) Vasundra Enclave Delhi, India Abstract The service quality has become a highly instrumental co-efficient in the aggressive competitive marketing. For success and survival in today’s competitive environment, delivering quality service is of paramount importance for any economic enterprise. Life Insurance Corporation of India, the leading insurance company has set up ‘benchmarks’ in enervating the whole concept of service quality. The present study aims to measure customers’ perception towards life insurance service quality by applying a framework developed by Sureshchandar et al. (2001). An advocated procedure has been used to develop, refine and validate a scale. Data has been collected from 337 customers from the three cities of Punjab (a progressive State of India). The findings of the study demonstrate that five-factor structure as proposed by Sureshchandar et al. (2001) has been refined to sevenfactor construct (consisting of 34 items) representing Proficiency; Media and presentations; Physical and ethical excellence; Service delivery process and purpose; Security and dynamic operations; Credibility; and Functionality. Besides...
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...THE SCOPE OF HEALTH-CARE PROBLEMS FOR WOMEN IN AMERICA Introduction: Such a long period of innovation in science and technology has passed but still the health of a woman, which is significant for her family members, remains a major concern for us. Most of the healthcare services are designated for women as they get deprived of the healthy environment probably due to low income, office-work and off-course family responsibilities (being the toughest of all). Due to their own needs they invest in these services, funding them whenever needed! American women healthcare problem: When most of us think of contemporary issues concerning feminism and health care the first thing that occupies our mind is the question of sexuality and reproduction such as mortality of birth control or abortion. Health is not merely the absence of disease; it’s a lifestyle. Whether it’s getting enough sleep, relaxing after a stressful day, or enjoying a hobby, it’s important to take time to be good to yourself. Health concerns associated with smoking include cancer, lung disease, and early menopause, infertility, and pregnancy complications. Smoking triples the risk of dying from heart disease among those who are middle-aged. Obesity is at an all time high in the United States, and the epidemic may be getting worse. Those who are overweight or obese have increased chances of diseases and conditions such as diabetes, high blood pressure, heart disease, and stroke. When the...
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...Why Leadership Is The Most Dangerous Idea in American Business If you're an entrepreneur, almost everything about "leadership" as we know it is bad for you. But there's another way to lead. Here are the rules. Maybe you've noticed: Never in the history of management science has leadership been more studied, worried over, theorized about, and debated than right now -- not least because for two years the world has supplied leaders-in-training with a (mostly unhappy) curriculum. The stock bubble collapsed. The economy soured. September 11 came and begat whole new anxieties that prompted unprecedented questioning about vocational life and leadership in communities of every kind. Corporate scandals and greed brought CEO reputations low and raised ethics concerns high. And nowIraq. Throughout the contentious diplomatic run-up and then during the conflict itself, leaders were dissected everywhere. You'll recall the stories. Bush the autocratic unilateralist vs. Blair the participative consensualist. Rumsfeld vs. the generals. Churchill circa 1942 vs. all of the above (an op-ed smackdown that somehow Winny always wins). By the time this is published, there will have been more stories: How to lead. How we're being led. How we want to be led. The world's curriculum, like it or not, is rich with object lessons. The problem is that, for entrepreneurs, those lessons are all wrong. Not because they're necessarily bad in themselves, but because they're all to do with the wrong kind of leadership...
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...Setting and Sample Population The sample population for this study is four third grade students in a general education class in an urban district elementary school. There are 19 students in the class. The four students read at a grade below their grade level. They are non-fluent readers and have consistently performed below par in assessments in reading. Student A is a 9 year old male Hispanic who reads at the first grade level. Student B is a 9 year old African American male who presently reads at the second grade level. Student C is a 9 year Hispanic female who reads at the second grade level. Student D is a biracial (Hispanic and African American) who reads at the second grade level. All of these students receive free lunch and have satisfactory attendance. They do not have an IEP and none of them are English Language learners even though the Hispanic students are bilingual. These four students were chosen because it was noticed that even though they were just reading at one level below their reading level, they exhibit a great lack in comprehension skills. Their reading could also be described as non-fluent. Their reading is slow, choppy, and uninspired. There are also a lot of miscues, insertions, omissions and repetitions of known sight words. After readings like this they fail to answer or answer satisfactorily comprehension questions based on the readings. Samuels (1974), believes this happens because too much of their cognitive resources are used up in trying to...
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...Allison M. Czapracki University of Richmond Summer Quest July 20, 2004 Cereal on the breakfast table. Corn chips as a midmorning snack. A glass of milk with lunch. What do all of these scenarios have in common? Chances are fairly high that these foods contain some sort of genetically modified ingredients. Americans’ lack of knowledge about genetically modified foods was clear when a survey was conducted by the Pew Initiative on whether they had eaten them: just 24% believe they have consumed genetically modified foods (“Pew Initiative”). In the United States, an estimated 60% of processed foods now contain genetically engineered ingredients (Fox 12). With such ubiquity of genetically modified foods, there is much to be discovered about the risks and consequences of their entrance into our food supply. How do we know we are asking the right questions regarding genetically modified foods and crops? The honest answer: we don’t! To fully understand the issue at stake, we must take a look at what questions are currently being asked by delving deeply into the realm of genetically modified foods. The typical American now eats up to 34% of calories away from home; most often in the form of fast food, which is notorious for being high in fat, calories, and sugar (Spake 1). Busy Americans often do not have time to consider the specific ingredients being used in food, and most are not even aware of how widespread genetically engineered ingredients are in society...
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...Introduction English language was introduced in South China in the eighteenth century. It took root in the mid nineteenth century when a school teaching English was started. The first missionary schools lasted for 10 years (1835-1851). After the 1860 war the schools were reopened and they spread to other parts of china. Between 1872 and 1925 over 7,000 missionary schools were operational with over 260,000 students. Learning English was a means to learning modernized military methods and an opening for china to work with foreign countries and create alliances. Strained relations with USSR when Russian language was to replace English gave the Western culture a better impact opportunity (Hughes, 2006). The support of English has undergone many difficulties but since the 1980’s China has encouraged working relations and study opportunities in English as it has helped them economically, politically and in its cultural dynamics. English has received much support in recent years as it has made Chinas world market expand astronomically. On other hand, China is obliged to use English language for the purposes of international trade and interaction. This is because English has remained to be the world largest spoken language (Wu, 2012). Economical China has enjoyed successful relations with on a global scale for its conformation to the English language. Since 1980’s, Mainland China has been doing business with different international countries but especially those with an English support...
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