...NINE TO TWELVE MONTHS Between nine and twelve months of age, babies should ideally be sleeping 10 to 12 hours a night and be having two naps a day for about one to two hours each. Babies at this age can be awake for 3 to 4 hours at a time but it is wise to watch for tired signs and don’t let your baby get overtired. It is a transitional time for them and they are probably starting to crawl and walk so they can get very tired very quickly. Eating well is vitally important for routine and sleeping, and babies should now be eating three solid meals a day plus morning and afternoon tea snacks, and be reducing their milk feeds to only having three per day. This is also the time where food starts to become more important that the milk feeds so food should be given first rather than the milk. Your baby should also be sleeping through the night and should not require any sort of feeding at night. Routine and ritual is also a very important part of your children’s lives. Routine and ritual enable a child to understand what’s coming next, what they can expect and what is expected of them. It helps them make better sense of the world around them. So be very conscious of the routine and ritual that makes up your’s and your child’s life and if you don’t have a routine as yet, it is a great time to start one. 24 HOUR IDEAL ROUTINE 6am – 7am Breast or bottle feed (If baby wakes at 5am she may go back to sleep for an hour or so after her feed, this is okay) Breakfast Give a drink of water...
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...Section 1 I had an opportunity to carefully observe an infant who was 10 months old boy for about 2 hours in the infant and toddler classroom at Friends Center for Children. Before entering the classroom, I washed my hands and left my shoes on the door step. You were not allowed to wear your shoes inside, because the kids are young and still crawl on the floor. When I entered the room, it was a small room where few babies were sleeping in their cribs and some were ready for their snacks. The infants were surrounded by different textures and brilliant colors. There was only one rocking chair so that the caregiver could feed and rock the babies comfortably. The walls were decorated with animal’s cutouts. On the other side of the room there were cabinets and drawers with the sink in between. All the cabinets were child proof and each cabinet had bins that were filled with the babies extra clothes, diapers, and wipes. There was a small changing table where caregivers changed the babies’ diapers. The room floor was mostly carpeted. The kid’s art work was displayed on their eye level. Age appropriate toys like touch and feel puzzles, dolls, mirror blocks and touch and feel books were on the shelf. Outside of the room there was a cubby area where baby’s jackets were hanging. All the cubbies were labeled with each child’s name, picture and their family pictures. The classroom environment provides many choices for different activities. The infant classroom provides a safe, comfortable...
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...gov/pmc/articles/PMC2390920/pdf/nihms42341.pdf The purpose of the study was to see if there is a connection between a person’s emotional response to moderate physical exertion and their likelihood of that person continuing to be an active person later. The study was conducted using mostly white female participants who were considered to be sedentary. They were given a grading scale by which to quantitatively express their personal sensation as well as their level of perceived exertion. The participants were placed on a treadmill and worked until their heart rate was 65% of the target rate for each participant according to age. They were then surveyed 6 and 12 months later. The study found that participant who had a positive response to the original bout of physical activity were more likely to be physically active 6 and 12 months later. The authors acknowledged many limitations of this study such as small sample size and the use of age predicted heart rate expectations. The use of a survey may lead to sketchy results also. The results and the discussion were consistent due to the fact that the authors made no wide spread claims resulting from the data acquired during this study. This study implies to me that if physical activity was more fun and less suffering then people would be more likely to adhere to exercise programs. If I were to continue research based on this study I would interview the participant in hopes of discovering further variables between those who continued to...
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...Government's inflation target for the United Kingdom is defined in terms of the CPI measure of inflation. From April 2011, the CPI is also being used for the indexation of benefits, tax credits and public service pensions. The CPI is an internationally comparable measure of inflation and is used to compare inflation rates across the European Union. • • • • • • • • The all items CPI is 121.1, down from 121.7 in December. The all items CPI annual rate is 3.6%, down from 4.2% in December. The annual rate for CPI excluding indirect taxes, CPIY, is 3.6%, up from 2.8% last month. The annual rate for CPI at constant tax rates, CPI-CT, is 3.4%, up from 2.6% last month. The CPI all goods index is 117.1, down from 117.8 in December. The CPI all goods index annual rate is 3.5%, down from 4.2% last month. The CPI all services index is 126.0, down from 126.5 in December. The CPI all services index annual rate is 3.6%, down from 4.2% last month. Retail Prices Index (RPI) The RPI is used for a variety of purposes including indexation of index-linked gilts. Historically the RPI has also been used for indexation of pensions and state benefits. • • • • • • • • • • • The all items RPI is...
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...Other January effect suggests that January returns can predict future performance of the stock market. In this study, it is examined if any particular calendar month return can effectively be used as a monthly barometer to accurately predict future direction of the Indian stock market. The results indicate none of the calendar month returns has consistent ability to accurately predict the performance of the Indian stock market over the next twelve months. The accuracy of prediction did not substantially improve whether the predictor month had generated positive or negative returns. The results continue to remain remarkably consistent when the predictability accuracy was analyzed over time by examining the effect separately over years. The findings of this study clearly demonstrate that the Indian stock market does not possess a monthly barometer that can accurately predict future direction of the stock market. Keywords: January Barometer; Indian Stock Market; Monthly Barometer; Other January Effect INTRODUCTION A number of researchers have recently reported an intriguing phenomenon in stock returns that they refer as the January Barometer or the other January effect. According to this effect, the January returns are the barometer of the stock market and have the ability to predict returns of the remaining months of the year. More specifically, the other January effect suggests that when January returns are positive (negative), the rest of the year generates positive (negative)...
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...of Bursary Awarded annually to a student currently enrolled in a Faculty of Business degree program who has completed at least 12 AU credits in the last 12 months. Applicants must have a cumulative AU GPA of 3.0 or greater. Recipients will be selected based on financial need and may only receive this award once. Conditions of Eligibility An applicant must meet the following criteria to be eligible to apply for this award: * Current AU Faculty of Business degree program student * Completion of 12 AU credits, or more, in the last 12 months * Have a cumulative AU GPA of 3.0 or greater * Has never received this award * Submission of the fully completed application, and required enclosures, to the Student Awards Administrative Assistant, Office of the Registrar at AU, by October 15, of the current year Application Process Complete the application form by typing your answers. Submit the fully completed application by fax to 780-675-6174 or mail to: Athabasca University Student Awards Unit Office of the Registrar 1 University Drive Athabasca, Alberta, T9S 3A3 *It is not recommended that applications be sent by email, as they will not be received by a secure server. * Application Submission Deadline October 15th Bursary Notification Successful applicants should expect to be notified within one month of the selection committee convening to choose recipients. Questions? Visit the Athabasca University Awards website located...
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...past M months (i.e. formation period) and holds them for N months (holding period). This is called as the M x N strategy. At the beginning of each month t, the candidate stocks are ranked in descending order on the basis of their returns in the past M months. The top decile portfolio is called the “winners” portfolio and the bottom decile is called the “losers” portfolio. This strategy involves, simultaneously buying the winner portfolio and selling the loser portfolio and then holding this position for N months (total number of months). The strategies we have considered in our project involve selecting stocks based on their 3-month and 6month returns (for formation period). We then consider holding periods of 3, 6 and 12 months for stocks selected on the basis of returns in 3-month formation period--thus generating trading strategies: 3x3, 3x6 and 3x12. On the basis of returns in 6-month formation period, however, we consider a holding period of only 12 months, thus generating the 6x12 trading strategy. However in the project report analysis of only 6x12 strategy is laid down due to non-completion of other strategies. Methodology In this paper, we explain the methodology for 6 x 12 strategy for illustration purpose, although similar methodology has been used in other strategies as well. The analysis is performed using first six months data for portfolio formation and next twelve months for portfolio testing period i.e. 6x12 strategy. As the study uses 104 months data...
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...of each month. If she leases the car, Amy will not put any money down. However, she will be required to pay $12,500 at the end of the lease. Amy will make 60 monthly lease payments of $250. The lease payments will be made at the beginning of each month. Assume the appropriate interest rate is 7.3% compounded semi-annually. a) Draw two detailed timelines and label all components displaying the details of leasing and buying the car. b) What are the (1) effective annual rates (EAR) and the (2) effective periodic rates (EPR) of the (i) bank loan rate and (ii) the lease rate? c) What is the present value of the car if Amy buys the car as opposed to leasing? What is the present value if Amy leases the car as opposed to buying? d) If Amy had the option to make 48 monthly payments to buy or lease the car, what would be the new monthly loan payments and the monthly lease payments? e) Using the information from part c) and d), summarize if Amy should buy or lease the car under the 48 month plan or the 60 month plan. S O L U T I O N a) Purchasing the car Given: PV FV PMT n (yr) r 27000 0 ? 5 4.50% Solve for PMT PMT= $453.03 Timeline: yr 0 yr 1 yr 2 yr 3 yr 4 yr 5 PMT= 2700 12*$453 12*$453 12*$453 12*$453 12*$453...
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...compliance over a 12 month period, NIGHTINGALE COMMUNITY HOSPITAL averaged 86.94% compliance. Audit | Audit Period | Location | Compliance % | Pain Assessment | 12 Months | ED | 70.66% | Pain Assessment | 12 Months | 3E | 93.5% | Pain Assessment | 12 Months | PACU | 96.66% | There were 3 departments audited for Pain Reassessment compliance over a 12 month period, NIGHTINGALE COMMUNITY HOSPITAL averaged 80.415 % compliance. Audit | Audit Period | Location | Compliance % | Pain Reassessment | 12 Months | ED | 54.83% | Pain Reassessment | 12 Months | 3E | 92.916% | Pain Reassessment | 12 Months | PACU | 93.5% | The following are the results of the audit that was completed for use of prohibited abbreviations in an aggregate of ICU, Telemetry, 3E and 4E over a 12 month period: Audit | Audit Period | Abbreviation | Occurrences per 50 opportunities | Prohibited Abbreviations | 12 Months | “cc” | 33.75 | Prohibited Abbreviations | 12 Months | “qd” | 15.916 | Fire Dill History of drills held once per shift per quarter over a 12 month period: Quarter | Shift 1 | Shift 2 | Shift 3 | Compliance Analysis | 1st (Jan-Mar) | √ | √ | | No Fire drills on the 3rd shift | 2nd (Apr-Jun) | √ | √ | √ | 100% | 3rd (Jul-Sept) | √ | √ | | No Fire drills on the 3rd shift | 4th (Oct-Dec) | √ | | √ | No Fire drills on the 2nd shift | Below are the results from audit that was completed for verbal orders authenticated within 48 hours over a 12 month period (monthly...
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...Lunar date 1 12th Lunar Month 2 2 3 2 3 4 5 6 7 9 9 3 3 4 3 4 5 6 7 8 4 4 5 4 5 6 7 8 9 5 5 6 5 6 7 8 9 6 6 7 6 7 8 9 7 7 8 7 8 9 8 8 9 8 9 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1st Lunar Month Solar Terms Moderate Cold： 5 Severe Cold： 20 2 2nd Lunar Month 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 4th Lunar Month 5th Lunar Month 3rd Lunar Month Spring Commences： 4 Spring Showers： 19 Insects Waken： 6 Vernal Equinox： 21 Bright & Clear： 5 Corn Rain： 20 2 3 4 5 6 8 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 2 2 4 4 6 7 7 9 9 10 8 5 7 3 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 6th Lunar Month 7th Lunar Month Summer Commences： 5 Corn Forms： 21 Corn on Ear： 6 Summer Solstice： 21 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 2 2 4 5 5 7 7 3 3 5 6 6 8 8 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 8th Lunar Month 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 9th Lunar Month 9th Lunar Month 2 3 3 5 5 3 4 4 6 6 Autumn Commences： 7 End of Heat： 23 White Dew： 8 Autumnal Equinox： 23 Cold Dew： 8 Frost： 23 Moderate Heat： 7 Great Heat： 23 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 10 11 12 13 14 15 16 17 18 19 20 21...
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...Assignment 1—Due Wednesday 28rd September, 2012 Please Note: There are three (3) questions in this assignment. Question 1: Plagiarism and referencing Although this question is not awarded marks, students MUST complete this entire question to get any marks for assignment 1. An understanding of plagiarism and “in text” referencing is essential to success in tertiary studies. Background information for Question 1 In an academic setting it is important to acknowledge the ideas of others that you have used in building your argument or preparing your answers. This not only includes words but anything for which you may be graded, e.g. layout of an answer copied from another person. The Learning Connection website at UniSA provides some very useful information about plagiarism. Particularly useful links include the following: 1. Avoiding plagiarism (Learning Connection) http://www.unisa.edu.au/learningadvice/plagiarism/default.asp 2. Referencing (Learning Connection) http://www.unisa.edu.au/learningadvice/referencing/default.asp Tasks for Question 1 Using the materials on these websites, undertake the following tasks. a. Find a definition of what plagiarism is and write a definition of plagiarism in your own words. In my words plagiarism would be the exact copy of someone else's work for example if I had copied word for word the text book we are currently working through it would be plagiarism. b. In your own words, write not more than half a page (200 words) on...
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...12 months internship training program for Hospitality Industry Introduction Proposed Research Topic: This proposal seeks to investigate the effectiveness of the 12 months internship training program of ABC Hospitality Group. Organizational Outcomes: Intern’s higher satisfaction as well as supervisor’s satisfaction according to trainees’ performance and high retention rate of interns. In this project, I will explore intern’s satisfaction with company’s internship training system as well as supervisor/manager’s satisfaction of intern’s performance. In particular, I will focus on how the training system influence the retention rate as well as the effectiveness of the program it self. Desired outcome from company’s perspective view would be higher satisfaction rate from both trainee and their supervisors and in the end, retaining successful trainees. Literature review [Train interns their first day on the job—and every day thereafter—to make them better employees.]. [Katie Willoughby spent the first four weeks of her internship last summer in Kansas City, Mo.-based Hallmark Cards Inc.’s marketing department accompanying her boss from one meeting to the next and gathering background information for her data analysis project. She loved every minute of it. Janell Rodriguez, a 2005 engineering intern at National Instruments in Austin, Texas, was able to field complex customer questions on the workings of her company’s data acquisition technology after spending...
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...000€ in a bank account that offers an annual simple interest rate of 6%, for 10 months b) To invest 5,000€ in a bank account that offers an annual compound interest rate of 6%, for 10 months The bank pays interests once per month a) b) So, option b) is the best. 2- Prove which of the following options is the most interesting one: a) To invest 5,000€ in a bank account that offers an annual simple interest rate of 6%, for 1 year b) To invest 5,000€ in a bank account that offers an annual compound interest rate of 6%, for 1 year The bank pays interests once per month a) b) So, option b) is the best. 3- Prove which of the following options is the most interesting one: a) To invest 5,000€ in a bank account that offers an annual simple interest rate of 6%, for 10 months b) To invest 5,000€ in a bank account that offers an annual compound interest rate of 6%, for 10 months The bank pays interests once per year a) b) So, option a) is the best. 4- What do you prefer a) To receive 1,000€ today? b) To receive 1,030,3€ in 3 months? c) To receive 1,062.8€ in 5 months? The annual interest rate is 12%, and interests are paid once per month Let’s find its value in 5 months: a) b) c) 0 So, option c) is the best. 5- What do you prefer a) To invest 5,000€ for 12 months, in a bank account that offers a simple interest rate of 10% b) To invest 5,000€ for 12 months, in a bank account that offers a compound interest rate of 10% In both cases, the...
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...Remodeling Contractor Standard Outline Marketing Plan This sample marketing plan has been made available to users of Marketing Plan Pro® powered by Duct Tape Marketing, marketing planning software published by Palo Alto Software, Inc. Names, locations and numbers may have been changed, and substantial portions of the original plan text may have been omitted to preserve confidentiality and proprietary information. You are welcome to use this plan as a starting point to create your own, but you do not have permission to resell, reproduce, publish, distribute or even copy this plan as it exists here. Requests for reprints, academic use, and other dissemination of this sample plan should be emailed to the marketing department of Palo Alto Software at marketing@paloalto.com. For product information visit our Website: www.paloalto.com or call: 1-800-229-7526. Copyright © Palo Alto Software, Inc., 1998-2008 All rights reserved. Confidentiality Agreement The undersigned reader acknowledges that the information provided by _________________________ in this marketing plan is confidential; therefore, reader agrees not to disclose it without the express written permission of _________________________. It is acknowledged by reader that information to be furnished in this marketing plan is in all respects confidential in nature, other than information which is in the public domain through other means and that any disclosure or use of same by reader, may cause serious harm or damage to...
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...Remarkable Difference 2 3.1 Differentiators 3 4.0 Core Strategy 3 4.1 Core Branding Elements 3 5.0 Product/Service Innovation 4 5.1 Price Rationale 4 6.0 Marketing Materials 4 7.0 Web Plan 4 7.1 Social Media Plan 5 8.0 Lead Generation Plan 5 8.1 Advertising 5 8.2 Referrals 5 9.0 Lead Conversion Plan 6 10.0 Service Experience 6 10.1 Loyalty Product/Service Offerings 6 11.0 Marketing Calendar 6 11.1 Monthly 7 Table: Milestones 7 12.0 Critical Numbers 9 12.1 Sales Forecast 9 Table: Sales Forecast 9 Chart: Sales Monthly 10 Chart: Sales by Year 10 12.2 Marketing Expense Budget 10 Table: Marketing Expense Budget 11 Chart: Monthly Expense Budget 11 Chart: Annual Expense Budget 12 12.3 Key...
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