Nancy ng (effects) As a student‚ there is no excuse for us to be late for school. Being late is not acceptable. It’s because late arrival not only affects the person‚ but also other people. For the person who is late‚ he/she will miss the morning assembly. There may be some important announcement and he/she will not know it. If late arrival becomes a habit‚ the effects will be more serious. Workers may easily lose their job if they aren’t punctual. Lateness can also affect other people.
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Richard Serra Richard Serra is widely celebrated by academics and popular critics alike for rethinking the very nature of sculptural objects. Rather than functioning as sites of aesthetic interest in themselves‚ Serra’s works have served as literal indexes of his working process‚ or as quasi-architectural structures that prompt critical reflection on how we perceive space and time. These terms‚ which have been painstakingly refined in the voluminous critical texts on Serra’s work‚ can be
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=============================================================== MEMORANDUM Date: To: XYZ Research Co. From: Subject: Accounting Treatment for Patents XYZ Research Co‚ (XYZ) came to our firm‚ requesting clarification on the accounting treatment for patents the company purchased. 1. FACTS The company possesses many patents and has historically expensed all of the costs associated with obtaining their patents. The company is unsure if any or all of its patent costs can
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I. DEFINITION A LETTER OF CREDIT (Documentary Credit) is a letter from a bank guaranteeing that a buyer’s payment to a seller will be received on time and for the correct amount. In the event that the buyer is unable to make payment on the purchase‚ the bank will be required to cover the full or remaining amount of the purchase. • A letter of credit is often abbreviated as LOC or LC‚ and is also referred to as a documentary credit. The parties to this document are usually an applicant who
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as a government weapon in the Cold War with Russia. For years‚ scientists and researchers used it to communicate and share information with one another. Today‚ we use the Internet for almost everything‚ and for many people it would be impossible to imagine life without it. The Sputnik scare On October 4‚ 1957‚ the Soviet Union — a union of republics led by Russia — launched the world’s first man-made satellite into orbit. The satellite‚ known as Sputnik‚ did not do much: It tumbled aimlessly around
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Outsourcing After Hours Customer Services in Credit Unions BUSU-630 February 18‚ 2013 Introduction Credit Unions are part of the financial services industry that operates in constantly changing environment. Credit unions have been attracting customers and growing their business by focusing on the “credit union difference” defined as not for profit but for the idea of service and people helping people. They are popular financial alternatives among many people that value being treated
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Short Paper Assignment The roots of our country’s trade unions extend deep into the early history of America. Primitive unions‚ or guilds‚ of carpenters‚ cabinet makers and cobblers made their appearance‚ often temporary‚ in various cities along the Atlantic seaboard of colonial America. Workers played a significant role in the struggle for independence; carpenters disguised as Mohawk Indians were the "host" group at the Boston Tea Party in 1773. The Continental Congress met in Carpenters Hall in
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Running head: Credit Agricole and BP Credit Agricole PARIS (AFP) – French bank Credit Agricole‚ one of the biggest European banks by capitalisation‚ reported a doubling of net profit to 1.0 billion euros ($1.42 billion) in the first quarter‚ on Friday. The price of shares in the bank showed a gain of 1.40 percent to 11.23 euros in a market up 0.57 percent overall. The outcome‚ marking an increase of 112 percent from the result 12 months ago‚ was in line with average estimates of analysts as
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RISKS IN BANKING: CREDIT RISK MANAGEMENT Industry Best Practices BANGLADESH BANK CREDIT RISK MANAGEMENT Industry Best Practices PREPARED FOR: BANGLADESH BANK PREPARED BY: FOCUS GROUP ON CREDIT & RISK MANAGEMENT Team Co-ordinator: Team Members: Sudhir Chandra Das Ali Reza Iftekhar Niaz Habib A.G. Sarwar Brian J. McGuire Naser Ezaz Bijoy Page 2 INTRODUCTION: Risk is inherent in all aspects of a commercial operation‚ however for Banks and financial institutions‚ credit risk is an essential
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purpose to discover new opportunities because the tremendous market competition makes the companies feel constantly improve their marketing mix. Thus‚ offering innovative products and service in the market are remarkably increasing. Consumer loan‚ credit card‚ online banking‚ mobile banking‚ ATM card etc are some of the outcomes of this continuous innovation and improvement. The technological innovations make the consumer more knowledgeable and persuade them to put more thinking in their buying decision
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