Why Invest at all? Why invest? This came to me sometime in late 2004/early 2005 as I strongly felt the need for making my money work better for me. We were blessed with twin daughters‚ and full of hopes and dreams. I was transforming to become more financially responsible and aware. No one needed to educate me on why invest‚ as I suddenly realised that to achieve these dreams‚ I needed to shed a bit of my happy-go-lucky attitude and set longer term financial goals. And to achieve these financial
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C AL SC I EN C E False Confessions Causes‚ Consequences‚ and Implications for Reform Saul M. Kassin John Jay College of Criminal Justice ABSTRACT—Despite the commonsense belief that people do not confess to crimes they did not commit‚ 20 to 25% of all DNA exonerations involve innocent prisoners who confessed. After distinguishing between voluntary‚ compliant‚ and internalized false confessions‚ this article suggests that a sequence of three processes is responsible for false confessions and their
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Q) Examine the role of SEBI as a regulatory authority‚ regulation of capital markets leads to increase in investors’ protection. This assignment discusses the role played by the Securities and Exchange Board of India (SEBI) as a regulator of Indian capital markets and discusses in depth the capital market reforms initiated by SEBI. In spite of these reforms and increasing regulatory powers over the years‚ SEBI has been largely unsuccessful in controlling capital market scams. The strengths and
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charges. As a result‚ firms in unstable industries tend to use less debt than those whose sales are subject to only moderate fluctuations. 12-4 The tax benefits from debt increase linearly‚ which causes a continuous increase in the firm’s value and stock price. However‚ bankruptcy-related costs begin to be felt after some amount of debt has been employed‚ and these costs offset the benefits of debt. See Figure 12-5 in the textbook. 12-5 Carson does have leverage because its EPS increases by a greater
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Behaviourist approach 1.a) Outline two assumptions of the Behaviourist approach [4 marks] One assumption of the behaviourist approach is classical conditioning‚ where behaviours are learnt through association. This assumption was developed by a psychologist called Pavlov‚ through his research into dogs. After conditioning the neutral stimulus (the bell)‚ it produced a conditioned response‚ (salivation). This is because the dog had associated the bell with food. Another assumption of the behaviourist
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Our Electric Bicycle Project I have added an electric power assist onto a GT mountain bike. With a 3 HP peak motor‚ it is much more powerful than typical electric bicycles. The basic motivation to build an electric bike was to have a fun and efficient and environmentally friendly way to stay out my car for short trips around town‚ and also as a silent trail bike for exploring the hills. I wanted to get some exercise - this bike can still be pedaled. When I first put this together it was even more
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LECTURE STOCK VALUATION 1. Common stock valuation A share of common stock is more difficult to value in practice than a bond‚ for at least three reasons. First‚ with common stock‚ not even the promised cash flows are known in a advance. Second‚ the life of the investment is essentially forever‚ since common stock has no maturity. Third‚ there is no way to easily observe the rate of return that the market requires. Nonetheless‚ as we will see‚ there are cases in which we can come up with
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Dilemma Faced In this case study‚ Gloria Londono‚ a health care entrepreneur and owner of several eldercare centres‚ Calidad de Vida as it is called‚ has a cloud of dilemmas hovering on her mind. Victor Serna‚ an angel investor‚ has offered her three million euros as an investment in her company. However‚ Victor does not prefer franchising and had informed Gloria that he would rather she open up new centres with direct ownership and control. On top of that‚ he is demanding for a twenty-five per
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MEMORANDUM TO: UST Inc. Investors CC: FROM: DATE: SUBJECT: Debt Policy at UST Inc. ADD INTRO PARAGRAPH From the viewpoint of the bondholder‚ UST Inc. has various attributes that make the company a safe‚ yet sometimes risky investment. Qualities that make UST Inc. a superior investment include their excellent A-1 credit rating and their strong brand name and market position‚ which has made UST Inc. one of the most profitable companies in corporate America. While their asset tangibility
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changed other major parts of American culture in the process. Beginning as early as the Louisiana Purchase in 1806‚ issues over slavery and expansion seemed to go hand in hand up until slavery was officially abolished by
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