Thursday, August 27, 2020

How Not To Be A Roommate

Being a first year recruit nearby can be very alarming. Youve simply moved to spic and span spot, and you dont know anybody - that is the reason your first year recruit flat mate is so significant. At some point or another, you branch out and live with your closest companions, yet some of the time it doesnt work out the manner in which you need it to. individuals know better anyone:From our office assistant, Sylvia: I think I had it fortunate contrasted with most other undergrads who have way more terrible stories. In any case, something that rings a bell over and over when contemplating my most exceedingly awful school flat mate experience was in my third year at USF. I had quite recently moved out of the residence and into a condo two traffic lights from school with 3 of my companions. We were at long last â€Å"real† grown-ups, no more cafã © focuses to depend on and nobody to wash our filthy dishes. To a lightweight germ-o-phobe like me, it transformed into a bad dream. Two of my housemates purchased food supplies or take out each week however never completed them and left everything to form in the ice chest, for quite a long time or months. At the point when it confessed all an ideal opportunity to the refrigerator out toward the year's end, I discovered food that lapsed seven months back and food that I wasn’t sure on the off chance that it was initially meat, rice, or mushe d blueberries. My other housemate never cleaned the dishes appropriately, leaving bits of dried food on the dishes in the pantry. Once, I even found a bit of crude meat, on the floor. From our excellent in-office originator, Julia: Sophomore year at UCSB, my flat mate was a young lady I lived with in the rookie dormitories. We decided to share a studio loft, only both of us in one major room with a kitchen and a restroom. Our issues began at an early stage - she didnt take out the waste, vacuum, clear, or wipe the counters a solitary time that year! I had no clue she was such an untidy woman - when we lived respectively in the dormitories, our room was constantly cleaned by college staff. Shed frequently eat my food without inquiring. I just truly had the guts to defy her once, when she crushed a whole container of nutty spread Id recently bought that week. At the point when I got some information about it, she offered to exchange me a bunch of small nutty spread cups in return. (While not a sufficient discount, this was surely a sweet endeavor at politeness.) She additionally had an odd propensity for leaving apparently irregular items around the condo. Id return home to locate a huge stone in the room, a wrecked bike in our kitchen, a cheddar grater on her bed. I rehash, she left our lone cheddar grater lying on her bed for a few days. What odd action could lead her to overlook it there, I dont need to envision. Obviously, when our rent finished we headed out in our own direction. Exercise to green bean looking for flat mates: Before deciding to live with somebody, truly be intensive in ensuring they dont have a cheddar interest. From one of our prime supporters, Lydia: I lived in the Phi Mu sorority house my sophomore year at Johns Hopkins. When all is said in done, it was an extraordinary gathering of young ladies and you couldnt beat the area. Be that as it may, 20 young ladies under one rooftop was serious no doubt. One housemate was especially regional and inactive forceful. She detested when visitors utilized our first floor restroom and parlor. She secured each stay with banner board signs. ATTENTION:It isn't satisfactory to utilize the washroom that isn't on the floor of your own room. This raised to numerous different things she needed to bring our â€Å"attention† to, and in the long run, we needed to set up indications of our own colloquialism, â€Å"ATTENTION: These signs are not acceptable.† From our other fellow benefactor, Stephanie: I moved in with a gay creator post-Duke. We got along truly well and I figured he would be a dramatization free flat mate to have. That is, until he began to hit on me. Turns out he wasnt gay. Regardless of whether you’re simply beginning your quest or you’re searching for help applying, it’s never too soon to make the school application process easier.Searchto discover understudies like you orcontact a mentorfor help with the affirmations procedure so you can limit your decisions and get a head start.

Saturday, August 22, 2020

Nestle Management free essay sample

Initially we would express gratitude toward Allah for giving us the chance and the assets to have the option to accomplish something beneficial with our lives. Without His favors we would not have had the option to come the extent that we have. At that point our earnest gratitude to Miss Naima khurshid for helping us all through this venture. His rules have been exceptionally helpful for us in setting up this undertaking. He helped us find better approaches for being imaginative and innovative. This undertaking would not have been conceivable without her participation and constant bearing. Last however not the least we might want to thank our families for their unremitting help and endorsement. . Presentation Engro Foods (Pvt. ) Limited (EFL) has been set up in 2005 as a component of an enhancement procedure at the Engro Group. The plant situated at Sukkur on 23 section of land, has the crude milk gathering ability of 300,000 liters for each day and UHT milk limit of 200,000 liters f or each day. The plant has been built up at an expense of Rs. 1 billion which gives direct work to 750 individuals. Engro Foods has entered the Food business through milk preparing and deal with the company’s vision to seek after development openings dependent on nation basics and own quality. It likewise positions the organization to use its corporate social obligation activities and work intimately with provincial networks to advance coordinated cultivating and domesticated animals improvement. This exertion is relied upon to assume a urgent job in destitution easing and improving jobs of the poor in the milk assortment zones. Vision Our vision is to turn into a quick extending uber nourishments organization. To accomplish our vision, the organization will at first spotlight on dairy by putting a significant sum in plant, milk assortment ability and showcasing. We are putting forth solid attempts to extend in and past Pakistan; through vital universal collusions, to in the long run become worldwide. Guiding principle 1. Administration 2. Development 3. Assorted variety and International center 4. Quality and constant Improvement 5. Authentic and open interchanges 6. Singular development and advancement 7. Eager quest for benefit 8. Morals and respectability 9. Wellbeing, Health and Environment Departments 1. Organization Efficient administration of every authoritative undertaking of Engro Foods (Pvt. ) Limited is the activity of the Administration office. From legitimate issues to general everyday tasks of the workplace, the Administration division guarantees that all undertakings run easily. 2. Money and Accounts The Finance and Accounting offices at Engro Foods are answerable for the all out budgetary administration of the various organizations of the organization. From the typical bookkeeping proclamations and sheets to hazard and portfolio the executives, the group guarantees that each rupee coming into and out of the Companies pockets is appropriately recorded and reviewed. 3. Human Resource The Human Resource division at Engro Foods (Pvt. ) Limited leads the enrollment procedure to guarantee that the best human asset is accepted at Engro Foods. Resumes of competitors are painstakingly recorded and reported for present or future reference. The division, other than completing progression arranging, keeps up and actualizes HR approaches relating to work, maintenance and superannuation. Evaluating preparing necessities of workers and guaranteeing satisfactory preparing is likewise done by the expert HR group at Engro Foods. . Promoting Consisting of driving showcasing experts of the business, who are alumni of top business colleges of Pakistan, the Marketing Department guarantees that from item need distinguishing proof to item improvement, dispatch and post-dispatch, every single key choice are made dependent on real data and research. Recognizing the objective markets, successfully imparting to them and building the picture of the brands just as the Companies, is the acti vity of the experts running the advertising at Engro Foods. 5. Milk Procurement As the entirety of our food items are milk based, the whole Milk Procurement division assumes a basic job in characterizing the nature of the final result that arrives at our clients. Guaranteeing ordinary assortment of new and unadulterated milk directly from the rancher to the manufacturing plant and finding out the newness of milk the whole way across the milk acquisition process, is the duty of Milk Procurement office, comprising of food Technologists working at the assortment communities and veterinary specialists offering support to the ranchers. 6. MIS The MIS division at Engro Foods guarantees that all mechanization is running blunder free consistently. Normally changing and refreshing the Companys bookkeeping programming is additionally the MIS groups obligation. 7. Creation Modern innovation is a vital part of Production at Engro Foods. The best in class plant set up close Sukkhar has a preparing limit of in excess of 300,000 liters of milk for each day, making it one of the biggest in the nation. Expertly qualified human asset effectively works night and day to keep up most noteworthy cleanliness guidelines. . Quality Assurance Quality Assurance is carefully followed in Engro Foods. Qualified food technologists at this office guarantee that most excellent parameters are clung to through all means of creation and that the items arrive at the shoppers according to guarantee. 9. Gracefully and Distribution This office guarantees convenient and successful conveyance of the items to various shops and stores spread the whole way acro ss Pakistan. From transportation the executives to acquiring course allows and endorsements, is finished by this office 2. Targets and issues In the ongoing not many months, it appeared that wherever one looked, there was either a bulletin, a TVC or a radio jingle advancing a brand of milk †regardless of whether it was Haleeb, Nurpur, Pakola, Nirala, or, as of late, Olper’s. Yet, maybe this isn’t astonishing all things considered. Pakistan, as indicated by late measurements, is the third biggest milk creating nation on the planet (32 billion liters for every year from 50 million creatures, with urban utilization at about seven billion liters). Be that as it may, in spite of this high positioning, bundled milk, in any event, as per the most hopeful assessments, has a unimportant four percent infiltration. No big surprise then that handled milk organizations (PLMCs) have been somewhat forceful in their promoting and advertising tries trying to expand the infiltration. Industry specialists accept that the current financial turnaround has added to the development in the PLM part, bringing about expanded buyer buying power. Another explanation behind development is a developing mindfulness relating to wellbeing and cleanliness; this factor, combined with expanding disappointment with free milk, has likewise added to development in this area. Be that as it may, so as to make an observable increment in infiltration, numerous difficulties recognitions despite everything must be overwhelmed by the PLMCs. The least significant one, maybe, is convention. Milk, even among the most urbanized customers, is equal with the unexpected appearance of the doodhwala (milkman) at their home on his trusty bike (presently supplanted by a motorbike), strengthening the feeling that the milk is new, regular and directly from the cow. Also, it is this recognition that lone free milk is new, and along these lines solid and additive free, that must be survived, whenever expanded infiltration is to happen at a generous rate. Another obstacle in changing over free milk clients to prepared fluid milk is cost. In Punjab, in light of the fact that most dairy ranches are based there, free milk is modest at around Rs 24 for each liter, while prepared milk is evaluated at roughly Rs 38 for each liter. In Sindh, be that as it may, the value differential between free (Rs 28) and handled milk (Rs 38) is just Rs 10. In spite of the fact that obstacles, for example, buyer discernments and value differentials have still to be survived, the prepared fluid milk advertise looks set to develop. There is an entire world out there to be changed over, and it is a colossal open door for PLMCs. In the event that the economy stays stable for the following five years, infiltration will increment at an astounding rate. 3. Official synopsis This task is about the showcasing plan of Olper’s from when ENGRO nourishments concocted adding another product offering to their effectively settled and since quite a while ago arrangement of product offerings to the point that they are still intensely advancing their item. We start by giving a concise history about Olper’s and how it appeared. We talk about the corporate structure and hierarchical chain of importance of ENGRO Fertilizers, its statement of purpose and the vision. We move further with its objectives that it has pondered for Olper’s and in the long run the sort of hierarchical culture of the association. We talk about the sorts of advertising research directed by the organization before acquainting it with the market and how they have sectioned its objective market and situated the item in the brains of the purchasers. We examine the SWOT investigation wherein we talk about the qualities, shortcomings, openings, and dangers the association is looking since its item was propelled. At that point the PEST investigation is commonly about how the outside elements influence the development and dependability of the item. We move further to discuss an assortment of showcasing systems utilized at various phases of the item life cycle, that is advancing the item and making shoppers mindful of Olper’s utilizing the 4 P’s as well as could be expected. The report additionally discusses the job brand value played in expanding the deals for Olper’s. Right off the bat, there are the different ways utilized by the brand directors to construct and measure brand value and once the clients begin to acknowledge it then how they have dealt with the brand value of Olper’s. We finish up the report by talking about the social duties in which ENGRO Fertilizers is included and the tentative arrangements of the association for Olper’s. 4. Circumstance examination A. Market outline

Friday, August 21, 2020

Can a Payday Loan Company Take You to Court

Can a Payday Loan Company Take You to Court Can a Payday Loan Company Take You to Court? Can a Payday Loan Company Take You to Court?You know a payday loan can hurt your credit. But can failing to pay one back actually put you in front of a judge?Court shows can be fun to watch on television. Whether it’s Law and Order or Judge Judy or classic Lionel Hutz episodes of  The  Simpsons,  we all apparently like watching people in court.But no one actually wants to be in a courtroom in real life. Heck, even most  lawyers prefer settling cases out of court. Thats why its important to know when something poses the risk of landing you in front a judgeâ€"one who may or may not be looking to throw a book and/or book-like object in your general direction.And when it comes to taking out a predatory payday loan, you could certainly end up in court if you have troubling paying it back. Its not common, but it does happen.Whats a payday loan, again?Before we get into whether a payday loan company can take you to court, let’s make sure we all know what a payday loan is.It’s not nece ssarily a scientific term, but generally, payday loans are a type of bad credit loan with very short payment terms and very high annual percentage rates (APRs). They are aimed at people who have poor credit, and the lender doesnt check a persons credit during the lending process. Payday loans are available as both storefront loans and online loans, and they are sometimes also called no credit check loans or cash advance loans.APR is a measurement that captures the total cost of a loan over one year, with all fees and interest included, allowing you to make an apples-to-apples comparison between different loans. So the lower the APR on a loan, the better. And the APRs on payday loans are nearly as high as they can go, with rates between 300 and 400 percentâ€"and sometimes much higher.And while having a shorter payment term for a loan with a high interest rate might seem like a great idea, it often backfires. Unlike, a traditional installment loan, which is paid off a little bit at a time, the short payment terms for payday loans mean that they have to be paid off all at once, often just two weeks after the loan was issued. As it turns out, many people have trouble paying back their payday loan on time. So instead, they have to reborrow the loan or pay an extra fee to roll it over and extend the due date.So why does anyone get a payday loan? Usually, its because they have some sort of financial emergency and a poor credit score so they can’t get a traditional personal loan. Still, it’s a risky proposition, because if you can’t pay back that loan in time, you may end up rolling it over and over again, landing you in a dangerous cycle of debt. To learn more about the dangers of payday lending, check out these five alarming payday loan statistics.Payday loan companies do take people to court, but they dont do it very often.Now, depending on how that cycle of debt unfoldsâ€"and whether or not you stop making paymentsâ€"you might end up in court with the payday loan company seeking a judgment against you. However, we spoke to the experts and they seemed to share a consensus:While you might end up in court for not paying off your payday loan, if that’s all you’ve done, you’re unlikely to find yourself in front of a judge.“I am a Florida consumer protection attorney who has 29 years experience,” consumer rights expert Donald E. Peterson explained. “I have probably consulted with a couple thousand people about their debts including potential bankruptcy clients who were defendants in collection lawsuits and consumers who were seeking a lawyer to represent them because they were being sued by a creditor or debt collector. NONE of them were ever sued by a payday lender. Not one.”But Peterson went beyond just his own personal experience: “Around 2006, I searched clerks online dockets to determine whether a large brick mortar payday lender ever sued anyone. I searched the records for several counties in central Florida and found approximately five lawsuits during a period of five to seven years. It made me wonder what was unique about those five borrowers that motivated the payday lender to file suit. I have read that there are payday lenders in Ohio who actually sue sometimes. I am not observing this in Florida nor have I ever heard that its a national problem.”If a payday lender takes you to court, theyre hoping you wont show up.Damon Duncan, an attorney with Duncan Law, gave us a similar sense of the risks while also explaining how the litigation process might play out:“Absolutely you can end up in court for failure to pay a payday loan. Im a board certified consumer bankruptcy attorney and will periodically see folks being sued for failure to pay these payday loans. It is, however, uncommon.“After late payment(s) the payday loan company would likely sue the debtor in an area where the debtor has real property and, if they dont have real property, a location convenient for the creditor. Most debtor s will fail to respond to a lawsuit so a default judgment would be entered against them.Once the creditor has a judgment they can attach liens to property like houses, cars, bank accounts, etc. Liens in North Carolina (where I live) last for 10 years and can then be renewed for an additional 10 year period. Other states are very similar.”Its safe to assume a payday loan company will sueâ€"sometimes for much more than you owe.If you have stopped making payments on your payday loan and are hoping the problem will just go away, then guess again.“You should study your loan agreement to see the terms on defaulting and late/missed payments,” advised Shaolaine Loving, a Las Vegas attorney. “Generally speaking, the lender can start assessing late fees and other penalties. Depending on how late you are, they or a collection company will probably start calling to collect on the debt. They can report delinquencies on your credit. Eventually, they can sue you. Even if it’s a small amo unt, dont presume the company wont sue.As Living mentioned, its not just the payday loan company itself that you have to worry about. Most of the time, a debt collector or a law firm will also be involved.Payday loan companies routinely sell their accounts to debt collectors or use attorneys to handle their debt in bulk. Thus, no amount is too small to sue you over, particularly when they can seek late fees, collection costs, court costs, and late fees. The final sum against you can greatly surpass the original amount owed.The only way to prevent a court judgment against you is if you have some legitimate legal defense, like fraud or illegal practices on their part. Otherwise, once they get a judgment against you, they can garnish your wages/assets or lien your property.”Dont ignore a debt collectors calls. Instead, try to negotiate. If it goes to court, show up.Katie Ross, Education and Development Manager at  American Consumer Credit Counseling, or ACCC, gave us her advice on ma naging the threat of a lawsuit:“When you miss a payment, the lender will try to contact you via the contact information you provided (address, phone, email). If you ignore the lender and don’t make any payments, they will turn to a third-party collections agency to try to get the debt back. This can happen even after thirty days of a missed payment.Their tactics may be aggressive, including threatening to notify the credit bureaus. Each city/state has its own laws regarding payday loans, so make sure you know your rights under the Fair Debt Collections Practices Act.“If the collections agency fails to collect your debt, they may sue you even over a small amount. Make sure you show up to court. If a judge rules against you, the collection agency can levy your bank account, garnish your wages, or put liens on your property, depending on the state’s laws.Prevent ending up in court by trying to negotiate your repayment terms with your creditor or entering into a settlement plan. If you do receive a court summons, go to court and ask that the collector show proof that you owe money. If they don’t show proof, your case may get dismissed or at least postponed until they do.”To learn more about your debtors rights, check out our blog post:  What Debt Collectors Can and Can’t Do.If a payday loan company or a debt collector has misstepped, you can take them to court too.Don’t forget that the ability to take someone to court can go both ways. Obviously, a payday lender will likely have more resources than you, but you should still know your options, even if you’re just going to use them as a negotiating tactic.“Usually, consumers end up with grounds to sue the payday lender,” Peterson told us. “Many payday lenders, especially online payday lenders, are not licensed to extend loans to customers in many of the states where their borrowers reside.Under most (if not all) states laws, the payday loan is void and can not be enforced if the lender was no t licensed to make the loan. Debt collectors who attempt to collect a void loan may be liable under the Fair Debt Collection Practices Act (FDCPA) and possibly under similar state laws.“Debt collectors who attempt to collect payday loans often (if not almost always) violate the FDCPA by threatening to press criminal charges or have the borrower arrested for writing a ‘bad check.’ Payday lenders obtain postdated checks from the borrowers. Postdated checks which are eventually dishonored because of insufficient funds are not ‘bad checks’ under the criminal codes.“Debt collectors often burn consumers phones by calling excessively including calls to cell phones even after the consumer instructs the caller to ‘stop calling me.’ If the debt collector is calling a cell phone after the consumer told them ‘stop calling,’ the caller may be liable to the consumer in an amount between $500 to $1,500 per call.”Peterson wrote a guide to what you should do if you’re getting those kinds of calls.While the risk of being taken to court over a payday loan may not be that high, its not like payday loans are worth it in the first place. To learn more about improving your credit scoreâ€"so that you can leave predatory payday loans and title loans in the dustâ€"check out these related posts and articles from OppLoans:How to Fix Your Bad Credit in 2018An Apple a Day Keeps the Bad Credit AwayWhy You Should NOT Close That Old Credit CardHas a payday loan ever landed you in court?  We want to hear from you!  You can  email us  or you can find us on  Facebook  and  Twitter.ContributorsDamon Duncan  (@Damon_Duncan) (@DuncanLaw)  is an attorney on the North Carolina Bar Association and Foundation’s Board of Governors, a member of the Elon University School of Law’s Alumni Council, the Secretary of the North Carolina Bar Association’s Bankruptcy Section and adjunct professor at Elon University School of Law and Guilford Technical Community College.Shaolaine Lov ing (@LovingLawyer) is an attorney who has been practicing law in Las Vegas for over a decade. She established her own firm, Loving Law Ltd., in 2015 and provides services in family law, estate planning, consumer law, contracts, and other legal areas.Donald Petersen is an Orlando, Florida trial lawyer who represents consumers against companies who violate their rights under the Telephone Consumer Protection Act, Fair Debt Collection Practices Act,  Fair Credit Reporting Act and other consumer protection laws.Katie Ross, joined the  American Consumer Credit Counseling, or ACCC, management team in 2002 and is currently responsible for organizing and implementing high-performance development initiatives designed to increase consumer financial awareness. Ms. Ross’s main focus is to conceptualize the creative strategic programming for ACCC’s client base and national base to ensure a maximum level of educational programs that support and cultivate ACCC’s organization.

Monday, May 25, 2020

Assessing The Sat s Aptitude Test - 2003 Words

Assessing the SAT’s Aptitude in Predicting College Success The Scholastic Aptitude Test (SAT) is a widely popular method of college admission test. Like many other admissions test it is used to help colleges select students who will be successful in college. Upon reading the source material, however, I began to question the legitimacy of this academic test. In the first article of the source material, titled â€Å"Can you Make Yourself Smarter†, the topic of intelligence testing was addressed. The article also mentioned more accurate and effective forms of intelligence testing and the use of intelligence improving games in schools. Upon mentioning schools and effective ways of measuring intelligence I began to wonder whether tests administered in school, like the SAT, were effective in what they are designed to do. These tests hold such great bearings on the academic careers of students I wondered whether the test should be used at all. This lead to the question; should SAT be used to predict college success? In this paper success wil l be defined mainly though grade point average (GPA). While this is not the only way to define success it is one of the most measurable indicators of success. The first of the two perspectives addressed within this question will be no, the SAT should not be used. Due to the underwhelming amount of support for the opposing yes argument, the other perspective will investigate if the SAT will work if changes were made to it. The SAT should not beShow MoreRelated The Fairness Of Academic Evaluation Essay1218 Words   |  5 PagesAmericans realized how inferior their education systems really were. Due to the decline in test scores in American schools, education standards became much stricter and new intelligence exams were introduced. Presently, standardized testing, such as the Scholastic Aptitude Test (SAT) and the American College Testing Program (ACT), is a mandatory and important part of the college acceptance process. Although these exams test students on the same topics, genders have proven to be stronger in some fields andRead MoreEssay on Excessive Testing in American Schools2441 Words   |  10 Pagespossibly be used in a more productive manner. While standardized tests are problematic at all ages and levels of schooling, they are especially questionable in primary grades. In these years childrens growth is idiosyncratic (Russel, 2002). Skills needed for schools success are in their most vulnerable stage. Failure at this age can be devastating. My six year old is already crying himself to sleep at night worrying about his SATs, states Mark Adams from BBC news (2003, p.1). It is necessaryRead MoreStandardized Tests Are Not A Success1347 Words   |  6 PagesStandardized Tests are Not a Success Standardized testing has been ruling over the lives of students, making or breaking them in their education without fair judgement. Tests like the SAT and the ACT count for way too much when applying to colleges, which in turn limits the student s capabilities to thrive in an environment that would benefit them. There are many problems within a standardized test that deems them to be unreliable as a true test of knowledge. Although designed to test groups of studentsRead MoreRelevance And Effectiveness Of Intelligence Tests1879 Words   |  8 PagesRelevance and Effectiveness of Intelligence Tests Intelligence tests are the most widely used method for assessing intelligence. This method has developed greatly over the past several decades. However, intelligence tests have continually been scrutinized for various reasons and due to this criticism, one maycan suggest that intelligence tests may be inaccurate measurements of intelligence. This issue is important because, in today’s time, intelligence tests are used to determine various thingsRead MoreCase 38 : A Solution For Adverse Impact937 Words   |  4 Pagestwo-step, numerous stage procedure for an entry level law enforcement job. On the first part of the process a candidate must receive a score of 35 out of 50 correct on a cognitive ability test to advance to the next step. The selection procedure was practically as challenging as the Scholastic Aptitude Test, SAT. The second part of the process is an interview involving the interviewee and three other supervisors. A variety of hypothetical job situations are given for the candidate to answer whereRead MoreCritical Aspects Of The Education System2963 Words   |  12 Pagesinvestigated the negative and sometimes destructive effects that testing at such a young age has on our children. During the programme, children from two different primary schools were asked to draw a creature they pictured when thinking about their SATs. The children responded with drawings of horrific monsters. One child explained of a creature who â€Å"rips your body in half and eats your guts if you have been bad†, another described a creature called ‘Brainy the cheat eraser, who if you try to runRead MoreStandardized Testing Is An Important Part Of Our Modern Education Essay1752 Words   |  8 PagesStandardized tests are part of every student’s life but not for a good reason. These tests haunt students in their sleep and give them a nightmare. To understand what I am writing just study your kid on the week of standardized tests. One can see the fear, anxiety and helpless in their eyes. Standardized testing has become an important part of our modern education. There is not an American student who doesn’t sit down these test many times a year in their educational journey. These tested are heavilyRead MorePredicting Performance Of Post Graduate Education From Admissions Information -- -comparisons Of Health Professions With Pharmacy5563 Words   |  23 Pagesdirectly to the journal to try to retrieve the paper. Results. Published literature clearly showed that prediction of performance in the didactic portions of health care programs is straightforward when based on pre-health care GPA and achievement test scores. The best predictions are achieved when both measures are combined. While significant statistical prediction is achieved in virtually every study, the percent of total performance variance accounted for is also consistent and uniformly smallRead MoreChapter Five. Summary, Discussion And Implications. . Introduction.3928 Words   |  16 Pagesreauthorization of the Individuals with Disabilities Education Improvement Act made, for the first time, the use of Response to Intervention (RtI) acceptable as an alternative means of identifying students with specific learning disabilities (SLD)† (Berkeley, S., Bender, W. N., Peaster, L. G., Saunders, L., 2008, p. 85). Response to Intervention is a widely recognized, multi-tiered approach that incorporates the early identification of students that demonstrate a deficiency and the appropriate interventionRead MoreVideo Games And Its Effects2558 Words   |  11 PagesRaise Smart Kid, 2014; Craton, 2014; Linton, 2014). Anad (2007) used Scholastic Aptitude Tests and grade-point average (GPA) to analyze the relationship between video game and academic performance. According to the study, the quantity of time a learner spend playing video games is negatively correlated to GPA and SAT scores. The increase in the time a student spend on video games leads to a decrease in GPA and SAT scores to students regardless of the age (Anad, 2007). The use of GPA to assess

Thursday, May 14, 2020

Economics and National Income - 1160 Words

Answers to End-of-Chapter Questions in Chapter 17 1. An economy is currently in equilibrium. The following figures refer to elements in its national income accounts. | | £ billions | |Consumption (total) |60 | |Investment |5 | |Government expenditure |8 | |Imports |10 | |Exports |7 | (a) What is the current equilibrium level of national income? (b) What is the level of injections? (c) What is the level of withdrawals? (d) Assuming that tax revenues are  £7 billion, how much is the level of saving?†¦show more content†¦4. Construct a table similar to Table 17.2 (on page 477), only this time assume that the mpcd is  ¾. Show that national income will increase by  £640 million. Table 16.1(a) The multiplier round: original table in text ————————————————————— Period (J (Y (Cd (W ( £m) ( £m) ( £m) ( £m) ————————————————————— 1 160 160 80 80 ( 2 – 80 40 40 ( 3 – 40 20 20 ( 4 – 20 10 10 ( 5 – 10 5 5 ( 6 – 5 . . . . . . ————————————————————— 1 ( ( 320 160 160 ————————————————————— Table 16.1(b) The multiplier round: answer to question: mpcd =  ¾ —————————————————————— Period (J (Y (Cd (W ( £m) ( £m) ( £m) ( £m) —————————————————————— 1 160 160 120 40 ( 2 – 120 90 30Show MoreRelatedEconomics - National Income2400 Words   |  10 Pagesï » ¿ECONOMICS TITLE : NATIONAL INCOME TEAM MEMBERS : SARAH CHIN, ARDEN, NURUL NADYRAH FIR DAUS LECTURER : MR.MANO TABLE OF CONTENT 1. INTRODUCTION TO NATIONAL INCOME 3, 4 2. BACKGROUND OF NATIONAL INCOME 5, 6 3. THE MEASUREMENT OF NATIONAL INCOME 7, 8 4. THE PROBLEMS IN MEASURING NATIONAL INCOME 9, 5. PROBLEMS OF COMPARISON OF NATIONAL INCOME BETWEEN 10 COUNTRIES Read MoreManagerial Economics National Income2704 Words   |  11 Pagesmeasurement of nation income Classical and Keynes approaches nATIONAL INCOM E: ----The t otal sum of goods and services produced by t he people of a count ry wit h t he help of capit als and national resources called Nat ional Income (Prof. Alfred Marshall) We can define Nat ional Income as t he collective achievement of a nat ion. In t his way, t he Nat ional Income is t he aggregat e of t he individual incomes. (Prof. Gardner Ackley) Nat ional Income is t he basic concept of economic, which refers tRead MoreAssignment 2: What Is Gross Domestic Product?988 Words   |  4 PagesIn the fourth quarter, real GDP decreased. Exports, imports, and personal consumption expenditures decreased. Additionally, Federal, national defense and nondefense increased through each quarter. (NIPA Tables 1.1.5, 2012) c. What caused these changes? 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The structure of an organizationRead MoreEcnomic Growth1252 Words   |  6 Pages------------------------------------------------- Economic Development ------------------------------------------------- Definition of Economic Development Economic development is a process of economic transition involving structural transformation of an economy through industrialization, raising gross national product and per capital income. According to Lewis, Economic development means increase in output per head. According to Micheal Todaro, Economic development must be conceived of as a multi-dimensionalRead MoreEssay on ECON 2155 932 Words   |  4 PagesConsists of four parts Part 1: Expenditures Approach to Calculating GDP (weight 25% of the assignment grade) Complete the following exercise Visit the Bureau of Economic Analysis Web site at   www.bea.gov   In U.S. Economic Accounts under   National click on Gross Domestic Product (GDP), then Interactive Tables: GDP and the National Income and Product Account (NIPA) Historical Tables, click â€Å"Begin using the data†, and use Section 1 - Tables 1.1.5 and 1.1.6 to identify the GDP (nominal GDP) and realRead MoreGm545 Business Economics-Project Paper 21569 Words   |  7 PagesQuestion 14 National income and output are used in economic studies to estimate the value of goods and services produced in an economy a snapshot of a country’s economic activity. A system of national account is employed to account for and record economic changes. National income is calculated using a variety of different methods. Some of the more popular methods include GDP (Gross Domestic Product), GNP (Gross National Product), NNP (Net National Product), NNI (Net National Income) PI (Personal

Wednesday, May 6, 2020

Reflection On Literacy Observation - 1546 Words

My placement, at Alexander Goode Elementary School, is in Kindergarten and does not have a Science curriculum. While talking to my cooperating teacher, Ms. Gifford, she informed me they are so focused on getting behavior under control in the beginning of the year. Also, students enter the classroom with little phonemic awareness and prior knowledge to literacy concepts. The first lesson I observed was from 9:00 to 10:30 in the morning. The students began with morning meeting. They determined the day of the month, day of the week, and the month. While determining the various parts of the month, week, and days, Ms. Gifford related these back to a pattern and everything repeats eventually. She demonstrated this by singing the months of the†¦show more content†¦When everyone was sitting on the carpet, Ms. Gifford demonstrated how to cut the booklet out by cutting on the solid lines. Students helped her know when to stop cutting by saying, â€Å"Go, go, go, stop!† When Ms. Gifford was finished, she relisted the instructions. She called the students back to their seats and began cutting their booklets out. Once the booklets were complete, the students sat at the carpet and Ms. Gifford read the book, â€Å"David Goes to School,† by David Shannon. While reading this book, she prompted scientific questions, such as making predictions and analyzing the pages to understand the situation. For example, one question was, â€Å"Is David happy or sad?† Once students answered this question, she asked how they know this and they had to analyze the picture and words to show evidence for their reasoning. Although there is not a science curriculum, Ms. Gifford began some standards. The first standard is 1-ESS1-1, which is to, â€Å"Use observations of the sun, moon, and stars to describe patterns that can be predicted.† Ms. Gifford did not address the astronomical part of this standard, although she does address the patterns section in the first lesson when she was explaining the days of the week and the months of the year are a pattern. The second standard Ms. Gifford taught was ETS1-1, which is to, â€Å"Ask questions, make observations, and gather information about a situation people want to change to define a simple problem that can beShow MoreRelatedLiteracy Instruction Data Collection Tool Essay1275 Words   |  6 PagesLiteracy Instruction Data Collection Tool This lesson observation data tool is for the observation and support of literacy instruction and learning. Any data collected is to be used for instructional planning, modification, and/or reflection upon instructional practices. Data collected is based upon observation of a single literacy lesson. Teacher: _________________________________ Date: _________________________________ Instructional Objective(s): Read MoreScience, Math, And Music Centers1634 Words   |  7 Pagesteachers observe and can respond to the child’s strengths and their needs. Science helps in language and literacy by adding non-fiction books that are a foundation for children to communicate in conversation with peers and their adults. The children’s vocabulary growth is increased by their knowledge and the child’s experience of the everyday world around them and it also is combined with observation and hand-on activities. The receptive language which is also the listening comprehension is fosteredRead MoreAssessment And Intervention Of Print Knowledge1705 Words   |  7 PagesPersonal Reflection of Action Assignment: Assessment and Intervention of Print Knowledge to Students with Severe Disabilities Breannah Davis-Bloom Radford University â€Æ' Introduction Emergent literacy development is a foundational principle commonly acquired prior to inclusion into a formal educational setting. Literacy development is a uniquely dynamic concept, consciously and unconsciously embedded in the everyday lives of children. As a result of diversity in family dynamics, literacy levels canRead MoreLiteracy Is The Key For Future Success Essay948 Words   |  4 PagesLiteracy is the key to future success. We have all heard this clichà ©, but as a future English teacher I passionately believe literacy is the key to success! When students become good readers, the door to a world of information is opened, and I want to see that door open for my students. As an English teacher who would like to work at the middle school level, I know the value of literacy and I hope to promote the best literacy practices in my classroom. This will not be an easy task, as readingRead MoreLiteracy Observation Report Sample1260 Words   |  6 PagesI completed my literacy fi eld experience at Isanti Intermediate School/School for all Seasons in Isanti, MN. I was able to complete my 20 hour observation in a 1st grade classroom (primary), a 3rd grade classroom (intermediate), and conducted fluency tests in a 5th grade classroom. Each class had approximately 22 to 25 students. Also during this literacy class, I was also able to spend a few days observing a 3rd/4th grade classroom and a kindergarten classroom through a couple of sub jobs I completedRead MoreThe Development Of Bilingual Literacy Practices771 Words   |  4 Pageslanguage are not themselves fluent in the language of instruction? In order to answer this question, the researchers performed a series of observations and video recording over a period of one year. This observations took place during various community events. The discussion of the findings develops through a framework to understand the development of bilingual literacy practices in a minoritized context. The authors found a blen d of traditional Aboriginal practices with contemporary teaching methodologyRead MoreImproving Instructional Strategies And Student Growth Will Foster A Stronger Plc832 Words   |  4 PagesClassroom Walkthroughs and Observations Classroom walkthroughs can be the success of a PLC. A successful PLC is implemented with brief classroom walkthroughs. Classroom observations that are informal can be vital as they allow for gathering data on instruction and student learning. The school improvement committee and administrator at various schools used a building PLC. The principal collected data during walkthroughs on student learning and reported results for reflection and professional developmentRead MoreEssay Classroom Teacher Observation Report1186 Words   |  5 PagesA. Evaluation Form or Observation Protocol The evaluation form that was used to evaluate a classroom teacher’s performance is a rubric used by the school district (Hillsborough County Public Schools, 2012). A1. Performance Factors The teacher was rated using a rubric with specific criteria in four domains including planning and preparation, the classroom environment, instruction, and professional responsibilities (Hillsborough County Public Schools, 2012). Within each of these domains are componentsRead MoreWk2Assgn706 Words   |  3 Pageschildren under the age of six are capable of making thoughtful decisions about their behavior and environment (Epstein, 2003). They may even try to explain their behavior to others. In the case of Josh, a three year old boy that I will use for my observation and assessment project, social skills are still in the process of being developed and he hasnt begun to really start speaking at this point. After interviewing Joshs parents I was told that Josh says very few words and doesnt speak at all inRead MoreTeaching Middle School English Language Arts1359 Words   |  6 Pages Tracy Dorsey, a Literacy Integration Specialist, provided me with an abundance of information involving her job title. She has a Bachelor’s degree in English Education, as well as, a Master’s in Supervision. Along with being well-educated, she is also highly-experienced after teaching middle school English language arts for 13 years in a Title 1 school. She believes that her past experiences in education have helped her in her position as a reading specialist, because it helped her relate

Tuesday, May 5, 2020

Moot Court Outline free essay sample

First, [substantive legal argument – strongest point] 2. Second [substantive legal argument] 3. And Third, as a matter of public policy OR as public policy dictates, [policy argument] ARGUMENT 1. With respect to the first point your honors . . . OR First, . . . CONCLUSION Since [first point], [second point], and [third point], Petitioner/Respondent respectfully requests that this Court finds ____ a violation of international law. Thank you. [REBUTTAL (for Petitioner ONLY)] Respondent made one/two point(s) that I would like to address. (First) Respondent stated that . . However, . . . OR Respondent contends that _____. However, . . . MISCELLANEOUS SUGGESTIONS For Rebuttal: o Attack misstatements and glossed-over weaknesses. o Address concerns of the court. o One to two points – most important point first. If you obviously and/or materially misspeak, say â€Å"rather, ____† OR â€Å"pardon me your honors, what I mean to say is ____† and correct yourself. If you are really hard-pressed for a transition, say, â€Å"which brings me to my second/third point† and find a way to fit what you were talking about into that point. We will write a custom essay sample on Moot Court Outline or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page If you are going to quote a case, drop the case language verbatim into your outline and KNOW the pin cite. If you aren’t sure what the judge is asking, seek clarification. o This can also be used as a stall tactic if you are unsure how to answer the question. o Say something like, â€Å"Your honor, I want to make certain I understand your question, would you mind regarding-phrasing? † DON’T: o Say, â€Å"I don’t know† in response to a question. ? If you don’t know the answer, say something more like, â€Å"Your honor, I am unable to fully answer your question at this time. However, I would be more than happy to submit a supplemental brief on the issue/matter/case. † o Smile or laugh or otherwise lose composure during argument (unless the judges are smiling and laughing and you feel it would be inappropriate to NOT smile and laugh). o Take a pen up to the podium. DO: o Outline your argument! ? Try to reduce your argument to 2-3 pages. ? Use headings and sub-heading. Bold, capitalize, etc. for ease of reference. ? Use a manila folder to organize your arguments. †¢ Take nothing but that manila folder up to the podium. Listen carefully to opposing counsel’s arguments and the judges’ questions. ? Take verbatim notes of both. Quote and/or directly address if appropriate. o Know, in advance of the argument, which points you are willing to concede (if any). o Preface your answers with the following: ? Yes your honor, however . . . ? No your honor. †¢ Be cautious using this one – it can appear less-than deferential. ? I (re spectfully) disagree with your honor’s characterization/construction of . . . o Have your introduction, [procedural blurb], roadmap, and conclusion memorized.