statement using modals. Procedure: 1.- see de brief introductión of topic 12. 2.- Answer the exercise of the book. 3.- Write fiver words related to income 4.- Write a statement using modals. 5.- make a conlusion. Results: Reading test Part 5 26.- d. taking out 27.- c. carefully 28.- c. surprised 29.- d. which 30.- d. had 31.- a. required 32.- b. by 33.- a. crowding 34.- c. should 35.- b. don’t need 36.- b. process 37.- b. is this Part 6 38.- c. interested
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Free exchange Savers’ lament The complex effects of low interest rates on consumption and investment Dec 1st 2012 | from The Economist print edition WHEN interest rates hit double digits in the late 1970s‚ house-builders sent planks of wood to the Federal Reserve in protest. With rates stuck near zero‚ the protests now come from the opposite direction. The retired complain of a “war on savings”. The Fed cut rates to current levels at the end of 2008 and has promised to keep them there until
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Unethical Credit Card Practices The ethics of credit card companies has to be in question. They are one of the few businesses that can change the rules on you and there is currently nothing you can do about. The credit industry is not your friend. They want to get you to borrow money from them and to keep you in debt for as long as possible. This way they have a constant flow of revenue through the interest payments‚ late charge fees and over the limit fees. They have many practices and charges
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Heart Rate Research Question: Do different exercises have different effect on heart rate? Method: 1. Find test subject 2. Prepare for activity (stretching) 3. Take heart rate of subject before exercise 4. Record heart rate 5. Do sit ups for 2 mins 6. Time using stop watch 7. Record heart rate 8. Allow subject to rest (lower heart rate) 9. Begin next exercise 10. Jumping jacks for 2 mins 11. Time using stopwatch 12. Record heart rate 13. Allow subject to rest (lower heart rate) 14. Squats for
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but psychologically as well‚ as the expression of the human emotions‚ thoughts and feelings. The language is a tool for communication‚ which is specifical for the human beings‚ which appears in the far pre-historical ages. Even though some animals use complex systems for communicating‚ they don’t have all of the properties‚ which is defined for the language. Language is the way of communication‚ while the human languages are a way of presenting the thought. It is controversial how the humans think
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The Correlation between the Diffusion Rate of a Substance and its Molecular Weight ABSTRACT To test the effect of molecular weight on the rate of diffusion‚ various experiments were performed. One of which is the glass tube test wherein cotton balls of the same size were moistened in two different substances (NH4OH and HCl). These cotton balls were plugged at each side of a glass tube. After some time‚ formation of a white ring occurred. The white ring‚ in fact‚ is a product of the reaction between
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ARE CREDIT CARDS REALLY HELPFUL? Money has always been an issue of extreme importance to everyone and especially to business-minded people who strive on having more and more of it in everyway possible. Ways to deal with finances in all its aspects have preoccupied the minds and legal thinkers of financial companies all over the world. In the late 1960’s‚ banks started introducing credit cards and this started a "credit card boom" that is continuing until now. There are so many types of
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Corporate rate (Hotel Equatorial Penang) Introduction Hotel Equatorial Penang is a city type hotel that are located at the south part of the Penang Island. It is a luxurious 4-star property conveniently located only 6km (3.8mi) from the center of Penang. Local places of interest include Queensbay Mall. The hotel is situated adjacent to the prestigious international 18-hole Bukit Jambul golf course which was designed by Trent jones and declared one of the most challenging golf courses in Asia. It
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MACRO-ECONOMICS CHAPTER 4 (MANKIW) INFLATION RATES AND INTEREST RATES: THE FISHER EQUATION NOTES by: Chadia Mathurin Economists differentiate between real and nominal interest rates where: real interest: is defined as the increase or decrease in a consumer’s purchasing power experienced as a result of changes in the interest rate. nominal interest: is defined as the interest payed by the bank. Let: i denote the nominal interest rate r the real interest rate pi ‚ the inflation rate The equation
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hours. credit cards can also be used in an ATM to withdraw money against the credit limit extended to the card‚ but many card issuers charge interest on cash advances before they do so on purchases. The interest on cash advances is commonly charged from the date the withdrawal is made‚ rather than the monthly billing date. Many card issuers levy a commission for cash withdrawals‚ even if the ATM belongs to the same bank as the card issuer. Merchants do not offer cashback on credit card transactions
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