FANNIN FEDERAL CREDIT UNION SCHOLARSHIP INSTRUCTIONS All applicants must have an account with this credit union established in his/her own name to be eligible to apply for the Fannin FCU Scholarship. All items on this application must be complete at the time it is submitted. A copy of your high school transcript must be attached. Submit an original essay titled “Why are Credit Unions Unique?” Limit the essay to no more than 500 words‚ please. Application deadline is
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1．Capital Structure 1.1. Debt A gearing ratio as defined as total debt as a percentage of common equity (datastream)，has increased from 12.2in 2011 to 30.0% in 2012. It seems to be a good phenomenon. .However‚ the ratio was higher than the average and media ratio except in 2011. It illustrates that oxford instruments is more highly geared and more risky investment compared to its competitors. Furthermore‚ there is an increase in the finance cost in the consoliated income statement from 2
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Adrian The Labor of Luck Gambling is the world’s second oldest industry‚ but in the past has been viewed in a condemning nature. Many have viewed it as immoral and destructive. The government‚ taking the middle ground labels it as a vice‚ but will allow small-scale monopolies to non-profit organizations. These constituents have conditions that state that revenues must be used for good causes and they must not over stimulate demand. (15) Commercial casinos that were first permitted‚ while heavily
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Inside Toyland is a gem — a well-written examination of politics‚ inequality‚ racism and working conditions in the context of the toy store. In order to gain a firsthand look at the intricacies of retail work‚ Williams conducted her research by participant observation. She worked at two toy stores. Both stores are a part of national chains and at the time of her research employed about 70 workers. Despite the fact that both stores sell similar merchandise‚ and include large inventories of electronics
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Brentin Pedraza 11/30/05 Final assessment essay English p.1 There are many problems and conflicts in life. Sometimes these problems could exist between a son and daughter and there parents or just between friends. The best known is the conflict between mother and daughter. In class we watched a movie called
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“Report and Recommendation of the President to the Board of Directors on Proposed Loans and Technical Assistance Grant to the Kingdom of Cambodia for the Agriculture‚” Commonwealth Secretariat (London: UK) Braun‚ Joachim & Ruth Meinzen-Dick (2009)‚ “Land Grabbing by Investors in Developing Countries: Risks and Opportunities”‚ Policy Brief 13 (Washington‚ DC: IFPRI) CDC (2010)‚ “Cambodian Investment Board: Projects by Sector Approved‚” (Phnom Penh: CDC) Clay‚ Jason (2003)‚ World Agriculture and the
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It was the summer of July 30th‚ 1875. Henry Ford’s 12th birthday. Ford was a smart boy for his age. He excelled in advanced mathematics‚ understood many scientific concepts‚ and could convince anyone if he tried. On the behalf of this‚ he was a hardcore advocate of science. On this particular day‚ he discovered something phenomenal‚ something beyond this world‚ something he could not believe himself‚ like it was a dream. After his 12th birthday party ended‚ Ford headed off to the junkyard. This
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Land of the Free‚ Home of the Slave Our national anthem chants “O’er the land of the free‚ and the home of the brave.” My challenge is although this is indeed the land of the free; it is more the home of the slave than the brave. The reasoning behind this logic is that it was the slave whose muscle built the soul of America‚ and whose uncanny intrusion branded an indelible mark upon U.S. history. It is not fourscore‚ but seven score and five years later that the controversy which comprised the
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Evaluation of the Proposed Land Acquisition Bill Table of Contents 1. Executive Summary……………………………………………………………………3 2. Chapter 1 : Land Acquisition Act 1894……………………………………………..4 1. The Land Acquisition Act in India 2. History of Land Acquisition Act 3. Amendments 4. Issues in Land Acquisition Act 1894 3. Chapter 2: Need for a new Law……………………………………………………..7 1. Need 2. Why a combined law ? 3. Scope of the Law 4. Chapter 3 : Salient Features
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total war acceptable. Williams Shakespeare’s play Henry V is loosely based upon England’s own ethical dilemmas in the early 1400’s. This is especially true when conflicting governments go into a war just because one side believes themselves to be in a just war the other may not. This is true when looking at Henry V’s values. Like many‚ values
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