...your disposable income on unnecessary items (especially when they’re charged to your credit card) is a surefire way to an unsuccessful and unhappy future. Below are the first three steps you can take to curing your illness. Step 1 – Remove Yourself From ALL Mailing Lists It’s hard, but it’s the easiest way to avoid succumbing to the temptations of spending money on something you wouldn’t have otherwise if you weren’t victim to that specific e-mail. If you REALLY want to get exclusive information on a sale or get your hands on a coupon code, a simple Google Search will do the trick. Removing yourself from every mailing list you’ve subscribed to is your first step towards curing your spending habits! Step 2 – Ditch the Plastic. Adopt the Paper! This one is pretty simple. All you have to do is take your Credit and Debit Cards out of your wallet. People essentially spend less when they’re using cash because they can see for themselves how quickly it can decrease as opposed to when you’re using plastic, you just swipe and go. Ever change your mind about purchasing something because you don’t want to break your $20? Then you get the point! If you think it’s absolutely necessary to have a Credit Card on you (for the ease of use), use a Prepaid credit card and only load a specified amount on it, so you can’t overspend! Step 3 – Ask Yourself (3 Times if Necessary), Do I REALLY Need This? Each time you’re in the store and pick up an item, you should ask yourself a series of questions...
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...Contents Why this project important Before taking up the main subject 1. Executive Summary 2. Overview of Current Situation (with some background) 3. Situation Analysis ( Country, Industry, 3 C’s: Customers, Competitors, Company) 1) Analysis of overall attractiveness of a country 2) Industry A. Diamond Model (Michael Porter) B. Analysis of failure examples in SPA industry C. The major background of SPA brand’s failure at first entry to the market D. Characteristics of SPA 3) Customers (consumer behavior) A. Broad Fashion market B. SPA Fashion market 4) Competitors– ZARA, H&M A. ZARA B. H&M 5) Company (8 seconds) A. Recent State B. about company 4. Suggestions 1) Make Brand Identity & Collaboration 2) STP for 8 seconds 3) 4P for 8seconds 5. Reference Why this project important There are some SPA brands in Korea which from foreign countries and intensive competition. They are growing up rapidly. The new SPA brand “8 Seconds”, (from Korea, Cheil industries) is in the introduction level, so it needs special strategies to be grown up successfully in Korea. Our team is going to analyze the fashion industry and suggest strategic ideas for “8 seconds”. Before taking up the main subject Before we analysis how to success SPA brand and when SPA industry appeared in a market, also what we should suggest to 8seconds.We visited and asked several questions about SPA industry and 8seconds to experts working in Etrade...
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...Law and its application for settlement of disputes (highlights on ADR) Lecture |Largely ADR | |Two categories | Informal & indigenous mode of ADR formal or court-annexed ADR (As old as the society itself) (Since the decades of 17th in USA) USA-since 1970s, public talk- against civil justice system because of excessive delay, expense, inflexibility and technicality In a speech in 1976, Warren Burger (CJ) of USA discussed with the problem of delay, high costs unnecessarily expenses and diminish the velue of the judgment. CJ made several suggestions –reform, including giving a greater role to ADR. He urged for “divert litigation to other channels”, particularly the channel of Arbitration. ‘Multi-door Courthouse’ Burger Harvard (law professor) Frank E.A Sander proposed that court be transformed into “dispute resolution centers”, in which ‘the grievance would first be channeled through a screening clerk who would then direct him to the process most appropriate to his types of cases. The ‘dispute resolution centers’ would have a separate room for screening, mediation, arbitration, fact finding, malpractice, a civil court and an ombudsman. ADR history in Bangladesh (To be traced two different view points) 1. History of informal (shalish) and quasi-formal (village court) ADR: Informal ADR is as old as the society itself. Shalish is a non-state justice system and a reformed version of shalish is being...
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...Entertainment Industry in India has registered an explosive growth in last two decades making it one of the fastest emerging industries in India. Television itself witnessed its transformation from a single government owned channels to a medium telecasting more than 300 national and regional channels. At present Indian film industry or Bollywood is a perfect combination of entertainment and commercial sector, producing close to thousand movies in a year in various Indian languages. Indian film industry supersedes Hollywood in terms of movie production quantity by more than three times. Broadcast Television is going through an extraordinary time of change and challenge. It is still one of the most popular forms of entertainment and information, with the average Indian viewer still watching twenty hours or more per week. But the rapid growth of the internet and interactive media is competing strongly for audiences and revenues. The Indian television industry is dominated by the major broadcasters like Star Group, Zee Group, Sun Network etc., plus a much larger number of less well-known broadcasters and production companies like Sahara, Jaya Tv, Kairali etc. As per the recent report by PricewaterhouseCooopers (PwC), Indians are likely to spend more on entertainment in the coming years with a steady growth in their disposable income. With the introduction of digital distribution platforms like direct-to-home (DTH) and Mobile TV, Indian television...
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...INTRODUCTION The present course- paper is devoted to the comprehensive study of stylistic device – the epithet in the literary work “Jane Eyre” by Charlotte Bronte. The topicality of chosen by us theme lies in the fact that a human being perceives the reality by means of various images. These images exist everywhere: in art, in nature, in thoughts, and in speech in particular. Each of us at least ones created an image. We use different means (stylistic expressive means and devices) to achieve the aim. In our research we would like to concentrate our attention on “epithet”, a figure of speech which gives the opportunity to create the most expressive and vivid images. Despite the fact that there are many works devoted to the problem under analysis some important aspects such as structural - the lexical stylistic device the epithet as its component have not been fully investigated. This defines the actuality of the work and its theoretical value. The basic purpose of this course-paper is formulated as a research of linguistic nature of epithet, its types from the point of semantic, structural parameters and its informational significance in the text. The given aim predetermines the concrete tasks of the research. The course- paper pursues the following objectives: 1) to read the novel “Jane Eyre” and to find epithets; 2) to reveal the theoretical notion of the epithets and its categories; 3) to observe emotional, evaluative, expressive components of the lexical...
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...INSURANCE ADVISORS EFFECTIVENESS FOR PUBLIC AND PRIVATE INSURER: A DEMOGRAPHIC STUDY Krishan Kumar Pandey*Manisha Pandey** Manish Kerwar***Ashutosh Khare**** Dharmendra Singh***** Abstract : Few years back insurance was an arcane word for all of us. Insurance is no longer an unexciting business and the insurance advisor an apologetic salesman. New entries have actually changed the rules of the game in the insurance industry. One such change that has made a huge positive impact in the minds of Indian consumers is the product innovation by the insurance companies. New products are being launched; new distribution channels opened and thousands of sales advisers and managers are being recruited every month. This rapid change is demanding new regulations, new methods of management, new methods of operation and ofcourse considerable development in knowledge, attitude and skills of the workforce. Such times demand business/ output focused people who think widely, are confident about taking risks and decisions and prioritise their own and others’ actions to achieve the business need. Without these attributes the growth pattern that has begun will not be sustained. So are these attributes being developed in people? People know what they should do but they do not necessarily know how to do it. This study is well ahead to evaluate the effectiveness of Insurance Advisors. *, * * Faculty in Prestige Institute of Management, Gwalior * * * , * * * * , * * * * * Alumni, Prestige Institute...
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...Please Don’t Eat the Daisies, admits that she often finds herself in the kitchen reading soup-can labels—or anything—in order to prolong the moments before taking pen in hand. John C. Calhoun, vice president under Andrew Jackson, insisted he had to plow his fields before he could write, and Joseph Conrad, author of Lord Jim and other novels, is said to have cried on occasion from the sheer dread of sitting down to compose his stories. To spare you as much hand-wringing as possible, this chapter presents some practical suggestions on how to begin writing your short essay. Although all writers must find the methods that work best for them, you may find some of the following ideas helpful. But no matter how you actually begin putting words on paper, it is absolutely essential to maintain two basic ideas concerning your writing task. Before you write a single sentence, you should always remind yourself that 1. You have some valuable ideas to tell your reader, and 2. More than anything, you want to communicate those ideas to your reader. These reminders may seem obvious to you, but without a solid commitment to your own opinions as well as to your reader, your prose will be lifeless and boring. If you don’t care about your subject, you can’t very well expect anyone else to. Have confidence that your ideas are worthwhile and that your reader genuinely...
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...U.S. Copyright Law and except by reviewers for the public press), without written permission from the publishers. The author has made an online version of the book available under a Creative Commons Noncommercial Sharealike license; it can be accessed through the author’s website at http://www.benkler.org. Printed in the United States of America. Library of Congress Cataloging-in-Publication Data Benkler, Yochai. The wealth of networks : how social production transforms markets and freedom / Yochai Benkler. p. cm. Includes bibliographical references and index. ISBN-13: 978-0-300-11056-2 (alk. paper) ISBN-10: 0-300-11056-1 (alk. paper) 1. Information society. 2. Information networks. 3. Computer networks—Social aspects. 4. Computer networks—Economic aspects. I. Title. HM851.B457 2006 303.48'33—dc22 2005028316 A catalogue record for this book is available from the British Library. The paper in this book meets the guidelines for permanence and durability of the Committee on Production Guidelines for Book Longevity of the Council on Library Resources. 10 9 8 7 6 5 4 3 2 1 STRANGE FRUIT By Lewis Allan _ 1939 (Renewed) by Music Sales Corporation (ASCAP) International copyright secured. All rights reserved. All rights outside the United States controlled by Edward B. Marks Music Company. Reprinted by permission. For Deb, Noam, and Ari “Human nature is not a machine to be built after a model, and set to do exactly the work prescribed for it, but a tree, which...
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...EDITORIAL ASSISTANT MARKETING MANAGER PHOTO EDITOR DESIGNER PRODUCTION MANAGER SENIOR PRODUCTION EDITOR GEORGE HOFFMAN LISE JOHNSON SARAH VERNON KAROLINA ZARYCHTA HILARY NEWMAN RDC PUBLISHING GROUP SDN BHD JANIS SOO JOYCE POH Cover image © panorios/iStockphoto This book was set in 10.5/12pt Adobe Garamond by Laserwords Private Limited and printed and bound by RR Donnelley. The cover was printed by RR Donnelley. This book is printed on acid free paper. Founded in 1807, John Wiley & Sons, Inc. has been a valued source of knowledge and understanding for more than 200 years, helping people around the world meet their needs and fulfill their aspirations. Our company is built on a foundation of principles that include responsibility to the communities we serve and where we live and work. In 2008, we launched a Corporate Citizenship Initiative, a global effort to address the environmental, social, economic, and ethical challenges we face in our business. Among the issues we are addressing are carbon impact, paper specifications and procurement, ethical conduct within our business and among our vendors, and community and charitable support. For more information, please visit our website: www.wiley.com/go/citizenship. Copyright © 2011, 2008 John Wiley & Sons, Inc. 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, mechanical, photocopying, recording, scanning or otherwise...
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...AN ACT REVISING THE PENAL CODE AND OTHER PENAL LAWS Act No. 3815 December 8, 1930 The Revised Penal Code of the Philippines Preliminary Article — This law shall be known as "The Revised Penal Code." BOOK ONE GENERAL PROVISIONS REGARDING THE DATE OF ENFORCEMENT AND APPLICATION OF THE PROVISIONS OF THIS CODE, AND REGARDING THE OFFENSES, THE PERSONS LIABLE AND THE PENALTIES Preliminary Title DATE OF EFFECTIVENESS AND APPLICATION OF THE PROVISIONS OF THIS CODE Article 1. Time when Act takes effect. — This Code shall take effect on the first day of January, nineteen hundred and thirty-two. Art. 2. Application of its provisions. — Except as provided in the treaties and laws of preferential application, the provisions of this Code shall be enforced not only within the Philippine Archipelago, including its atmosphere, its interior waters and maritime zone, but also outside of its jurisdiction, against those who: 1. Should commit an offense while on a Philippine ship or airship 2. Should forge or counterfeit any coin or currency note of the Philippine Islands or obligations and securities issued by the Government of the Philippine Islands;chan robles virtual law library 3. Should be liable for acts connected with the introduction into these islands of the obligations and securities mentioned in the presiding number; 4. While being public officers or employees, should commit an offense in the exercise of their functions; or 5. Should commit any of the crimes against national security and...
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...design their economic lives in accordance with Shariah. The very objective of Shariah is to promote the welfare of the people that lies in safeguarding their faith, their life, their posterity and their wealth. In this regard to establish a banking world that run according to Shariah, the concept of Islamic Banking Arise. Its establishment in Bangladesh on 13th March 1983, named Islami Bank Bangladesh Limited (IBBL). The definition of Islamic Bank, as approved by the General Secretariat of the OIC- “An Islamic Bank is a Financial Institution whose statutes, rules and procedures expressly state its commitment to the principles of Islamic Shariah and to the banning of the receipt and payment of interest on any of its operation.” This paper is an attempt to evaluate the Different Modes Investment of Islamic Bank Bangladesh Ltd. (IBBL) in terms of productivity and effectiveness. [pic] There are mainly two objectives behind the preparation of this report such as primary objectives and secondary objectives. These are discussed as under: The initial Objective: The initial objective of preparing this report is to fulfill the partial requirements of the BBA program and to represent the ‘General Banking System’, ‘Investment mechanism’, and ‘Foreign Exchange Functions’ of Islami Bank Bangladesh Limited. Final Objective: The final objectives of this report are as below: 1. Co-ordination between theory and practice and making a bridge between theoretical and practical knowledge...
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...A The 1000 Most Common SAT Words abase (v.) to humiliate, degrade (After being overthrown and abased, the deposed leader offered to bow down to his conqueror.) abate (v.) to reduce, lessen (The rain poured down for a while, then abated.) abdicate (v.) to give up a position, usually one of leadership (When he realized that the revolutionaries would surely win, the king abdicated his throne.) abduct (v.) to kidnap, take by force (The evildoers abducted the fairy princess from her happy home.) aberration (n.) something that differs from the norm (In 1918, the Boston Red Sox won the World Series, but the success turned out to be an aberration, and the Red Sox have not won a World Series since.) abet (v.) to aid, help, encourage (The spy succeeded only because he had a friend on the inside to abet him.) SAT Vocabulary SAT Vocabulary A abhor (v.) to hate, detest (Because he always wound up kicking himself in the head when he tried to play soccer, Oswald began to abhor the sport.) abide 1. (v.) to put up with (Though he did not agree with the decision, Chuck decided to abide by it.) 2. (v.) to remain (Despite the beating they’ve taken from the weather throughout the millennia, the mountains abide.) abject (adj.) wretched, pitiful (After losing all her money, falling into a puddle, and breaking her ankle, Eloise was abject.) abjure (v.) to reject, renounce (To prove his honesty, the President abjured the evil policies of his wicked predecessor.) abnegation (n.)...
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...SAT Vocabulary A abase (v.) to humiliate, degrade (After being overthrown and abased, the deposed leader offered to bow down to his conqueror.) abate (v.) to reduce, lessen (The rain poured down for a while, then abated.) abdicate (v.) to give up a position, usually one of leadership (When he realized that the revolutionaries would surely win, the king abdicated his throne.) abduct (v.) to kidnap, take by force (The evildoers abducted the fairy princess from her happy home.) aberration (n.) something that differs from the norm (In 1918, the Boston Red Sox won the World Series, but the success turned out to be an aberration, and the Red Sox have not won a World Series since.) abet (v.) to aid, help, encourage (The spy succeeded only because he had a friend on the inside to abet him.) SAT Vocabulary A abhor (v.) to hate, detest (Because he always wound up kicking himself in the head when he tried to play soccer, Oswald began to abhor the sport.) abide 1. (v.) to put up with (Though he did not agree with the decision, Chuck decided to abide by it.) 2. (v.) to remain (Despite the beating they’ve taken from the weather throughout the millennia, the mountains abide.) abject (adj.) wretched, pitiful (After losing all her money, falling into a puddle, and breaking her ankle, Eloise was abject.) abjure (v.) to reject, renounce (To prove his honesty, the President abjured the evil policies of his wicked predecessor.) abnegation ...
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...The World is Flat Thomas L Friedman Kq p K To Matt and Kay and to Ron Kq p K Contents How the World Became Flat One: While I Was Sleeping / 3 Two: The Ten Forces That Flattened the World / 48 Flattener#l. 11/9/89 Flattener #2. 8/9/95 Flattener #3. Work Flow Software Flattener #4. Open-Sourcing Flattener #5. Outsourcing Flattener #6. Offshoring Flattener #7. Supply-Chaining Flattener #8. Insourcing Flattener #9. In-forming Flattener #10. The Steroids Three: The Triple Convergence / 173 Four: The Great Sorting Out / 201 America and the Flat World Five: America and Free Trade / 225 Six: The Untouchables / 237 Seven: The Quiet Crisis / 250 Eight: This Is Not a Test / 276 Developing Countries and the Flat World Nine: The Virgin of Guadalupe / 309 Companies and the Flat World Geopolitics and the Flat World Eleven: The Unflat World / 371 Twelve: The Dell Theory of Conflict Prevention / 414 Conclusion: Imagination Thirteen: 11/9 Versus 9/11 / 441 Acknowledgments I 471 Index I 475 Kq p K :::::How the World Became Flat ::::: ONE While I Was Sleeping Your Highnesses, as Catholic Christians, and princes who love and promote the holy Christian faith, and are enemies of the doctrine of Mahomet, and of all idolatry and heresy, determined to send me, Christopher Columbus, to the above-mentioned countries of India, to see the said princes, people, and territories, and to learn their disposition and the proper method of converting them to our...
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...Jane Eyre by Charlotte Brontë An Electronic Classics Series Publication Jane Eyre by Charlotte Brontë is a publication of the Pennsylvania State University. This Portable Document file is furnished free and without any charge of any kind. Any person using this document file, for any purpose, and in any way does so at his or her own risk. Neither the Pennsylvania State University nor Jim Manis, Faculty Editor, nor anyone associated with the Pennsylvania State University assumes any responsibility for the material contained within the document or for the file as an electronic transmission, in any way. Jane Eyre by Charlotte Brontë, the Pennsylvania State University, Electronic Classics Series, Jim Manis, Faculty Editor, Hazleton, PA 18202-1291 is a Portable Document File produced as part of an ongoing student publication project to bring classical works of literature, in English, to free and easy access of those wishing to make use of them. Cover Design: Jim Manis Copyright © 2003 - 2012 The Pennsylvania State University is an equal opportunity university. Charlotte Brontë Jane Eyre by Charlotte Brontë PREFA PREFACE A PREFACE TO THE FIRST EDITION of Jane Eyre being unnecessary, I gave none: this second edition demands a few words both of acknowledgment and miscellaneous remark. My thanks are due in three quarters. To the Public, for the indulgent ear it has inclined to a plain tale with few pretensions. To the Press, for the fair field its honest suffrage...
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