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    Present Perfect

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    1 GRAMMAR: The Simple Present and Present Progressive Tenses: Present Simple: a. We can use the simple present to talk about actions or states in the future. (Ex: 5) b. We use the simple present to talk about states‚ habitual‚ actions‚ facts‚ and things that are generally considered to be true. (Ex: 1‚ 2‚ 3‚ 4) c. We use the simple present with adverbs of frequency to talk about how often states and actions occur تحدث . (Ex: 6) Present Progressive:

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    FIN200 Loan Scenarios

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    Loan Scenarios Midland Chemical Co. is negotiating a loan from Manhattan Bank and Trust. The small chemical company needs to borrow $500‚000. The bank offers a rate of 8 ¼ percent with a 20 percent compensating balance requirement‚ or as an alternative‚ 9 ¾ percent with additional fees of $5‚500 to cover services the bank is providing. In either case the rate on the loan is floating (changes as the prime interest rate changes). The loan would be for one year. A. Which loan carries the lower

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    Multicultural Education Scenario Steps required for multicultural education to be effective are trust‚ tolerance‚ understanding‚ and open mindedness. The most important step is gaining the trust of pupils by including the culture of all its students (Johnson‚ Musial‚ Hall‚ Gollnick‚ & Dupuis‚ 2005‚ p. 121). All students have to be taught tolerance for each others abilities‚ limitations‚ and differences. By understanding the cultural differences in all of us‚ we can learn to understand each other

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    most underrated musical instrument. It was introduced to the orchestra during the classical period1. Since then it has been a very integral part of modern music such as jazz and can produce tones rapidly and has a wide range of dynamics and tone color2. The clarinet does not have direct ancestry to any other instrument. Though the chalumeau; the earliest European single reed instrument is the closest one3. Clarinet’s roots can be traced back to ancient Egypt‚ but the instrument maker Johan Christian

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    Ikea India Scenario

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    India Scenario - IKEA - Swedish furniture retailer proposal to invest 105 billion rupees ($1.95 billion) in the country to open 25 stores The company’s planned investment is the largest by a foreign retailer in India since the country amended its laws in late 2011 to allow 100% foreign ownership in single-brand retail ventures. IKEA has already outlined its long-term approach in India by proposing to open 10 stores in the country in the next 10 years of operation followed by 15 additional

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    Present Simple

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    PRESENT SIMPLE 1-When do we use it? -When we are talking about a habit; -When we are talking about a schedule; -When we are stating a fact; -When we say something that is generally true; -When we give instructions or directions. 2-TIME EXPRESSIONS for things that happen regularly are: -Every.... -Once a.... -Twice a.... -On Tuesdays..... -In winters.... OR -Always‚ Frequently‚ Often‚ Usually‚ Regularly‚ Generally‚ Sometimes‚ Seldom‚ Rarely‚ Never. * Time Expressions

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    The past and the present

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    The past and the present Our life is like a triangle‚ past‚ present‚ future is like three different vertices in one triangle. Each of them has their own world but they are interknitted by each other. Memory and physical world is a pair of intriguing words which effect each other. Our present is consist of many pieces of the past and we can learn lessons from the experience of the past to affect the present life. Thus‚ how to deal with the relationship between memory and physical world

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    Precision Instruments Case Study 1. What are the different sources of Precision Instruments’ problems? After much success and high profits in their former location‚ Precision Instruments decided to move into a new‚ more luxurious location. Harold‚ who had committed the most capital during Precision’s startup‚ had developed excellent relationships with the workers‚ and always was a source of encouragement to them‚ retired. All of this‚ combined with the new building’s expenses and a downturn in

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    development or implementation of a strategy. Kirkham Instruments was a manufacturer of laboratory analytical equipment with turnover of £450M in 1995. The company was organized into four divisions: the Mass Spectrometer Division; the Chromatography Division‚ a manufacturer of gas and liquid chromatographs; the Optical Equipment Division which manufactured optical comparators‚ microscopes and related equipment; and Waterloo Instruments Ltd.‚ which was acquired in 1992 and was a Belgian manufacturer

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    The capital market supply long term funds to corporations‚ government entities and other users of capital. The general type of debt instrument of the capital market is the bond. Bonds usually pay interest to the holder once in every six months (semi annually) and pay the principal or face amount upon maturity. Treasury notes and treasury bonds: The long term bond issues of the treasury that are available to investors are the treasury notes and the treasury bonds. Treasury notes have original fixed

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