ON SAYING PLEASE About the author Alfred George Gardiner (1865–1946)‚ a British journalist and author‚ is highly regarded in the literary arena. From 1915 he contributed to The Star under the pseudonym (pen name) Alpha of the Plough. At the time‚ The Star had several anonymous essayists whose pseudonyms were the names of stars. Invited to choose the name of a star as a pseudonym he chose the name of the brightest (alpha) star in the constellation ‘the Plough’. His essays are uniformly elegant
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Thompson thomp1pb@cmich.edu is an Associate Professor in the Department of Economics at Central Michigan University‚ Mount Pleasant MI 48859. FAX 989-774-2040. Phone 989-774-3870. Abstract We used a stratified random sample to examine the spending patterns of a traditional student population at one large residential university in a small Midwestern town. Juniors and seniors spent more than underclassmen on recreation‚ food‚ general merchandise‚ and miscellaneous items. Male students spent
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Risk Financing Risk imposes costs in two broad forms – loss costs and the costs of uncertainty. Risk financing attempts to mitigate the impact of these costs by structuring the availability of funds to pay claims‚ aid recovery and enable the organization to maintain financial stability as it moves forward towards its mission. How risk financing occurs can vary. At one end of the scale‚ fully self-insured entities retain responsibility and‚ if risk-related costs arise‚ the entity directly bears those
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services to the customer. Fund based services of NBFCs include: leasing‚ hire-purchase and other asset based services whereas fee based services of NBFCs include bill discounting‚ portfolio management and other advisory services. LEASE FINANCING Leasing as financial service is a contractual agreement where the owner (lessor) of equipment transfers the right to use the equipment to the user (lessee) for an‚ agreed period of time in return for a rental. At the end of the lease period the
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UNIT 205 1.1 Identify the main types of state and independent schools 1.2 Describe the characteristics of the different types of schools in relation to educational stages and school governance. Nursery School: These are financed by the government and cover the Early Years Foundation Stage. Private Nursery Schools: These are financed by parents paying fees for their children to attend. They cover the Early Years Foundation Stage. Primary Schools: These are financed by the government and cover
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Financing SMEs –Key Challenges and issues for Bankers Wickrama Narayana Chief Manager-SME Development People’s Bank The definition of Small & Medium scale Enterprises (SMEs) varies from country to country. The classification can be based on the firm’s assets‚ number of employees‚ or annual turnover along with the loan amount. Central Bank of Sri Lanka defines SMEs as enterprises with less than Rs. 600 million turnover per annum and with a maximum exposure of Rs. 200 million mainly to be classified
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Health Care Spending National health care spending within the United States is at an all-time high and continues to rise. The nation is driving into economic woes with health care at helm. This paper will provide an overview of current national health care expenditures. It will also provide opinions on if the spending is sufficient and where and why cuts should be made. To help understand costs and payment‚ a breakdown of how health care is financed is included. The second half of the paper will
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provide for and raise the funds to compensate the initial owner‚ either a dealer or manufacturer. For Business sector finance: Car finance is required by both private individuals and businesses. All types of finance products are available to either sector‚ however the market share by finance type for each sector differs‚ partly because business contract hire can provide tax and cashflow benefits to businesses. Personal Car Finance: It is a complete subsector of personal finance‚ with numerous
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EXECUTIVE SUMMARY The U.S. Department of Health and Human Services (HHS) stated that "The health of the individual is almost inseparable from the health of the larger community and that the health of every community in every state and territory determines the overall health status of the nation." It has now become clear that our economy in terms of healthcare insurance is not healthy; the healthcare system in the United States spends 1 cent of every healthcare dollar in the prevention of diseases
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company can identify the different ideas and opinions of the intermediaries. Further‚ company is also able to take information about the competitors’ strategies. It has been identified that‚ without communication company cannot be able to influence the customers to buy the products (Kotler‚ Shalowitz & Stevens‚ 2011). Prices of the scooter are also high‚ which needs aggressive marketing in order to generate awareness among the customers. Communication is also helpful in providing every type of information
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