A Cute Letter Writing Paper Decorated With Cute Hearts Is

A Cute Letter Writing Paper
Decorated With Cute Hearts Is
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A Cute Letter Writing Paper Decorated With Cute Hearts Is A Cute Letter Writing Paper Decorated With Cute
Hearts Is

How Does Carl Change In A Bridge To Wiseman
In the novel a bridge to Wisemans cove by James Molony, there are numerous ways in which Carl
changes from the beginning to the end of the novel. At the beginning of the book, family and friends
rejected and stepped all over Carl, to the extent where it gets in the way of his everyday life. But
nonetheless as the book developments, Carl starts to learn initiative and he catches a job at a barge and
starts to bring money in. Ultimately Carl learns independence, to do with himself and the people
around him. He stands up for Harley and Maddi and against protagonists like Nathan throughout the
novel.
At the beginning of the novel Carl is rejected and looked down upon by relatively everyone including
his own brother Harley. Carl is an obese fifteen year old boy who is quite insecure about his weight.
This makes him an easy person to bully ...this tub of lard . (p. 175. This is shown through when Aunt
Beryl their guardian Makes Carl quit school to get a job. Beryl turned her face full moon towards him,
forcing him to engage her eyes ... you could always leave . (p. 53). Because of Carl s weight people
see him as an easy target. This happens throughout the beginning of the novel, ... Show more content
on Helpwriting.net ...
Carl first shows signs of initiative when he acquires a job at the bowls club had a job lined up. Lucky
kid . (p. 54). From this job, Carl starts learning workplace ethic. This subsequently gets Carl his job at
the barge with Skip Duncan I could do it. You wouldn t have to pay me much. . (p. 64). These two
actions start to prove Carl s initiative. As the story continues on Carl comes up with ideas to help with
his work on the barge, earning him more money and therefore showing Carl s initiative. Carl s
initiative continues to show throughout the novel he knew he was inviting trouble but he didn t care .
(p. 174). Hence, further on in the novel Carl starts to learn independence, which affects him and all the
people who know
... Get more on HelpWriting.net ...

new zealand politics 1984-1993 Essay
On July 6 1984, the fourth Labour government were elected into parliament after defeating the
National party in a snap election. 1984 can be regarded as a major turning point in New Zealand
political history in the sense that significant political changes affected the whole of the New Zealand
society, economy and political structure. New Zealand government s experimented with radical
Neoliberal policy programmes to achieve economic and social progress during this period. The essay
shall discuss the central features of the process of policy change over the period of 1984 to 1993 in
New Zealand. These reforms were among the most sweeping in scope and scale within any
industrialised democracy. There are a significant number of historical ... Show more content on
Helpwriting.net ...
Thus, the author suggests that the representation of interests is shaped by collective actors and
institutions that bear the shape of their own history (Immergut 1998: 17).
It is important to analyse the role of institutional arrangements in the development of national
economies in New Zealand and Australia, and assesses their reaction to the pressures brought by the
processes of social and economic reforms. It presents the main theoretical traditions in comparative
political study, thus, one can apply these theoretical perspectives to the study of Australasian
economies. In the early 1980s, both countries elected labour governments after long periods of
conservative rule (Castles, 1996:96). In response to international economic demands, these
governments introduced market orientated reforms. Four major institutional characteristics of these
two democracies shall be scrutinised further, including the various structures of the political system,
the welfare state and the relationship between organised interests and the state (Castles, 1996:97). This
essay is particularly concerned with the extent, direction and causes of changes in these four
institutional arrangements in the period 1984 1993, in a comparative study of New Zealand and
Australia. North identifies that institutional change took place in many cases, but it has been path
dependent and incremental (1990: 89). The level to which institutions played a fundamental

Pros And Cons Of Gambling In The Arthathastra
In the Arthashastra, or discussion is there on the seriousness of vices springing from excessive desire
such as addiction to hunting, gambling, women and drink. Pisuna considers hunting a worse vice than
gambling for anything can happen in a hunting while in gambling, experts like Jayatsena or
Duryodhona win (8.e.39 41).83 Kautilya disagreeing remarks that in gambling, one party has to lose
as is known from the stories of Nala and Yudhisthira. It becomes a source of enmity. A gambler never
knows how much wealth he has got, tries to enjoy wealth, which he has not got and loses it before he
can enjoy it.
Kautilya says that a gambler can be reformed but not so a man who lusts after women. Gambling is
worse than addiction to drink. Gambling ... Show more content on Helpwriting.net ...
if a samanta (or subordinate ruler) disposed off a case involving landed property without informing his
overlord, he was liable to pay a fine of 108 silver coins.
Likewise, if somebody was found with a vessel full of wine distilled illegally, his fine was five silver
coins (madya bhajan syavalokya rupakah pancha). If however, it was the first offence, fine was
reduced to 21/2 silver coins. If he was caught a second time, the fine was doubled.97
On the other hand, an acara tells that the blacksmiths, carpenter, barbers, ptters and others could be
recruited for forced labor under the supervision of varikas or officers.
(Lohakara rathakara napita kumbhakara prabhritinam varikena vishtih karaniya)98
The madhuban C.P. of Harsa (632 A.D.) talks of a grant of a village Somakundika to learned
Brahmana. The village had been formerly enjoyed by one Vamarthaya on the basis of a forged sasana.
It shows that rules of smrti to settle the pounishment of forgers of royal edicts were not superfluous
and that ancient forgeries

Taking a Look at Chinese Culture
Those traditions have passed on to my family and society. According to Jandt (2003), Confucian
philosophy, which believes in harmony in society through respect to age and social hierarchy, affects
Chinese strongly. Confucianism has various effects on Chinese communication. As a Chinese, we
value Filial Piety and belong to collectivism. I may not say what I really want to mean when I think it
would hurt others. Foreigners such as Americans may feel surprised that HongKongers pay attention
to family so much. If Americans are asked to take a gap year in which be travelling around and their
parents disagree, most of them won t cancel the trip. For me, I would give up the trip honestly and this
may be a main difference between our values towards family. I like the culture I grew up in and the
tradition my family has. Respecting elders is what should be appreciated. I would like my generation
to keep the culture too; however, we can learn the advantages of other cultures. Individualism allows
us to fulfill obligations to self and to be independent. HongKongers can take balance between two
cultures and get improvement for our own.
Chinese is in high context culture and foreigners usually feel confused when I communicate with
them. In communication of Chinese, many things are left unsaid. We let the culture explain so that few
words can communicate a complex message. Although it is effective to in group, there are difficulties
in the communication with foreigners. During the

The Relationship Between Csr Disclosures And Corporate...
Introduction Corporate Social Responsibility (CSR) is defined as the corporate initiatives taken by the
company which take responsibility to its stakeholders (Tricker, 2012). Over the years, most of the
public listed companies are moving away from shareholders oriented to stakeholders oriented. This
might be because they realised that it was no longer enough to focus on financial performance alone to
enhance business sustainability and credibility. The companies with stakeholder perception believe
that the CSR practices has a positive impact on their Corporate Financial Performance (CFP) and
reputation. Although the CSR disclosures is a legal requirement in some countries, the company has
become increasingly willing to disclose CSR practices in their annual report. The rapid increase in
CSR disclosures raises the question of what is the rationale behind CSR disclosure (Dhaliwal et al,
2011). What benefits does a company gain by engaging in CSR and discloses them in the annual
report? This paper will examine the relationship between CSR disclosures and corporate performance
by using academic literature. The corporate performance is focused on the financial profitability of the
company.
Previous Studies
The relationship between Corporate Social Responsibility (CSR) disclosures and corporate
performance is controversial. Many prior studies (Solomon Solomon, 2003; Dhaliwal et al, 2011;
Mustaruddin Saleh et al. 2011; Solomon, 2013; Belu Manescu, 2013; Stuebs

Reduction Of Globalization And Poverty In Developing...
Reduction of Poverty In Developing Countries Globalization November 16th 2017
DVM 1100
Professor: Mahmoud Maraeli
Asiya Ismail
Introduction
Globalization increases poverty is a typical statement created by critics of globalization. In the past
century, a substantial number of developing countries have struggled with economic growth.
Globalization plays an essential role in the economy as it assists in elevating the GDP of the country in
questions and consequently leading to the diminished poverty level. This research seeks to address the
following fundamental concepts/ questions: what impact does globalization has in developing
countries in matters pertaining poverty reduction? The paper s structure is as follows. The first section
outlines the definition of globalization. The second section evaluates technological advancement
through reduction of poverty on globalization. The third section explains the essential meaning of
trade liberalization and the influence on development in Periphery countries. The fourth section
presents foreign direct investment linkage in globalization and poverty. The fifth section explores the
processes of development motives. The sixth section presents a case study that is primarily connected
to globalization impact on developing countries. Lastly, the seventh section explains the impact of
globalization on economic policy on developing economies.
What is globalization?
The term

Fear And The Forced Evacuation
Fear and the Forced Evacuation of the Japanese Americans How do explain something that is
completely in the wrong as ok? Why can people, organizations and even governments make irrational
decision over and over again? The United States prides itself on it s ability to be a free country and
support freedom of religion and freedom of speech but throughout history their are numerous accounts
of the United States going against it s own beliefs and treating it s people in terrible ways. One
example of the United States going against it s pride in equality and rhetoric of democracy and acting
in ways of exclusion and inequality is during World War II when the United States forced evacuation
of the Japanese to internment camps. The memoir, Looking ... Show more content on Helpwriting.net
...
When they pulled the nearly 120,000 Japanese Americans the government was acting on fear. The
government was not only scared of a future attack but also the government feared the difference in
cultures. The Japanese lifestyle was significantly different than they popular American lifestyle. The
Japanese did speak a different language and did believe in a different religion. They ate different foods
and played different games. Many did strive to enjoy the ways of American culture as well, I grew up
playing hopscotch and jacks, learning kendo and ikebana. I studied U.S. history at school and
Japanese on Saturday. For breakfast I ate scrambled eggs and mochi. Dinner could include fried
chicken and sushi, (11). The Japanese strived to be both but the government devastatingly didn t
understand. The government feared the different culture and beliefs and their possibilities they had for
the country. Most Japanese were highly productive, successful people in whatever work they pursued.
As a result they became the brunt of some non Japanese people s fears, envy and prejudice. The war
provided the excuse for removing the Japanese from the West Coast and to eliminate competition and
literally take over whatever gains the Japanese had made, (92). Placing the Japanese Americans into
interment camps proved the governments fear of the Japanese culture even though the

Joint Affliction Is Wrong
Many people world wide endure from joint agony. Whether it is extreme or moderate it affects
numerous men and women all over the world and it may have a significant impact on the exceptional
of persons s lives. Many partner joint discomfort with the elderly, however that is comfortably not so.
Plenty of age groups endure joint ache for more than a few factors, and it may well impact rather a lot
on their daily movements. Whether or not you re a sporting events man or woman or no longer,
anguish in the joints is a reality of lifestyles, that you do not need to tolerate. There are numerous joint
affliction therapies available in the market, and you just ought to find out what your is, and take a look
at to fix it in the right method.
Reasons Of Joint affliction ... Show more content on Helpwriting.net ...
Joint pain can most of the time be divided into a number of separate classes, or motives often.
Sometimes it may be a mixture of a couple

The Travels Of Marco Polo
The Travels of Marco Polo begins with the journey taken by Marco Polo s father and his uncle, in
which they go to present day china and meet Kublai Khan. The Polo s family were the first Europeans
that Khan got to meet. The Polo s represent the ideals of Europeans and Khan was very interested
about their way of life. He wanted to know everything they knew about European politics, religion,
and their justice system, And then he inquired about the Pope and the Church, and about all that is
done at Rome, and all the customs of the Latins (chapter 4). Kublai Khan willingness to learn about
Christianity was interesting. Different countries had their own beliefs. During these time periods,
people began to explore the world and enlighten others on how other cultures live. Kahn allowed his
people to belief in other religions. Not many leaders will allowed that. This is so different from the
romans, who persecuted Christians for their beliefs, fearing something different from them. Kahn
probably knew that allowing different religions gave his people more knowledge of other cultures. His
society was moving with the times. The country not being under one influence represented how the
word is. The world is populated with different types of people and cultures.
In 1271, the siblings and Marco Polo set off to come back to Kublai Khan with a specific end goal to
satisfy whatever is left of his solicitation, which was to convey hallowed oil from Jerusalem. It s not
sure what position

Essay on The Black Panther Party for Self Defense
The Black Panther Party for Self Defense was the most significant activist group during the Civil
Rights Movement Era. It was founded in Oakland, California by Huey P. Newton and Bobby Seale in
October of 1966. The Black Panthers Party was founded to fight for and protect the rights of African
Americans. Believing that the approach Martin Luther King Jr. was expressing would take too long,
the approach Black Panther Party took was more along the lines of Malcolm X more aggressive
theories rather than Martin Luther King Jr. s more peaceful strategy. Although it gained a lot of
support quickly it was ineffective in its main agenda s due to, government actions against them,
disorganization within the BPP, and the loss and shortcomings of its ... Show more content on
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4. We want decent housing, fit for shelter of human beings.
. 5. We want education for our people that exposes the true nature of this decadent American society.
We want education that teaches us our true history and our role in present day society.
6. We want all Black men to be exempt from military service.
7. We want an immediate end to police brutality and murder of Black people.
8. We want freedom for all Black men held in federal state, county and city prisons and jails.
9. We want all Black people when brought to trial to be tried in court by a jury of their peer group or
people from their Black communities, as defined by the constitution of the United States.
10. We want land, bread, housing, education, clothing, justice and peace. And as our major political
objective, a United Nations supervised plebiscite to be held throughout the Black colony in which
only Black colonial subjects will be allowed to participate, for the purpose of determining the will of
Black people as to their national destiny.
Many people believe that the Emancipation Proclamation freed slaves in America, this is only partially
true. This document was passed during a time of war, the Civil war and only affected the states
controlled by the Confederates. President Lincoln knew that he had no power to issues this as a
general law without it going through legislation so it was done as a war powers action

Multiple Sclerosis And Its Effects On The Central Nervous...
he life of someone living with Multiple Sclerosis is often quite different than normal. It consists of
never ending doctors appointments, not feeling well, difficulty doing everyday tasks, and much more.
Multiple Sclerosis is the bee sting that one gets while laying out by the pool, the scrape a child gets on
his knee, and the throbbing headache the mother has after a long day at work and the horrible cry of
her child. The disease is heavy weighing on ones mind, body, and heart; yet, if one possesses the great
strength to push through they will live as much of a normal, happy, and healthy life as possible.
So what exactly is Multiple Sclerosis? Multiple Sclerosis is an autoimmune disease which affects the
central nervous system. The central nervous system consists of the brain, spinal cord, as well as the
optic nerves. The simplified meaning of the diseases name is Multiple scar tissues or lesions. A person
with multiple sclerosis develops numerous lesions or scars on the brain and spinal cord due to the
effects of an overworking immune system. When the immune system overworks, it attacks the myelin
the fatty substance that surrounds and insulates the nerve fibers as well as the nerve fibers themselves
(National MS Society). Myelin is essentially the coating that protects your nerves; when trying to
understand what myelin is, one can compare the similarities of myelin to the coating that covers
electrical wires. After the immune system attacks and damages the myelin,

Book Report On The Book Le Gai Savoir
I remember the first time I heard about Nietzsche was a few years ago, in my chemistry class. I had a
friend who spent all his time, in science classes, reading books about philosophy. His nonconformity
caught my attention. I started to be interested by the big mustache of the author on the cover page of
his book Le Gai Savoir, because I knew, of course, that all authors with big mustache such as Victor
Hugo and Albert Einstein wrote about great things! So I started to read Nietzsche s works. Then, one
day, my dad caught me reading Le Gai Savoir and he told me that this philosopher, born in a town
near Leipzig on 15 October 1844 (Wotling 797), had changed the way he perceived his life. He told
me that when he was eighteen in China, he was very poor and due to his stressful condition, he failed
the final admission exam for a university. Because of the high amount of population and competition
in China, the final exam decides unfortunately the fate of a person. He had developed depression.
However, one day, he bought a Nietzsche s book and started to read it. He told me that Nietzsche s
poetry and positive ideas motivated him to change his life, to be greater, and to become who [he really
is] (Nietzsche, Le Gai Savoir 251). And this is why he wasn t afraid of immigrating to Canada with
my mother. In this essay, I will introduce this great philosopher and I will show that he agrees with the
point of view of Socrates that an unexamined life is not worth living ,

The Chief Led The Way As They Left The Hut
The chief led the way as they left the hut. They passed through the doorway, and the outside light
blinded Daniel. It took a few seconds for his eyes to adjust, but when they did, Daniel could see many
huts like the one he was just in. the tribe had placed the huts in a wide circle, surrounding a large fire
pit made of stone. They dragged Daniel a few feet away, past the fire pit to a large wooden pillar
which stuck straight out of the ground. As Daniel got closer, he noticed a lifeless figure tied up on the
pillar. It was Captain Jack Hughes of flight Dreamhail. His body lied there motionless, stained dry
with blood. Daniel couldn t believe that his former captain had been killed and for what reason? The
men dragged Daniel to the former captain, throwing him unto the ground before the lifeless body. The
chief approached the captain with a large knife, and Daniel watched as the captain was then
decapitated. The chief then threw his head to the ground, causing it to roll right in front of Daniel.
Daniel was horrified, and was now breaking out in tears. So this is what happened to you, huh
captain? These people... they have killed you and will now probably do the same to me, He said. The
chief proceeded to cut the restraints off from the captain s lifeless body, which then dropped to the
ground in one loud thud. Daniel couldn t believe what was happening. A bubbling anger rose in
Daniel, and he began to scream with all his energy, You savages! Why... Why did you have to

The War Of The American War
The year was 1898, and America had just finished fighting Spain in Cuba and the Philippines. Spain
had been in control of the islands, but when they islands wanted their independence America
volunteered to help. America promoted the islands fighting back, and were encouraging the revolution
against Spain. Little did these nations know that once Spain had lost, America got signed over
everything in the Treaty of Paris, and they did not plan to let these premiere locations go without
another fight. We wanted the Philippines for three main reasons: missionaries wanted to spread
Christianity and the word of God, we couldn t leave them to govern themselves because they were
unfit, as well as business leaders wanted a way to easily become immersed in the vast markets of
China. So in February of 1899, America found themselves in another bloody war, known only as the
Philippine American War. Throughout the history of America, there has always been the belief of the
white mans burden . This means that it is the responsibility of white people to find and save non white
people from themselves by forcing our culture and governing upon them. Through this practice, we
believe we are helping and improving the lives of the poor and unfortunate people of the world. One
large aspect of this is to bring and teach the word of God to the uncivilized people that do not have the
opportunity to learn and experience about it for themselves. President McKinley used the idea of
evangelism to

Brixton Research Paper
Brixton: If you live in Brixton you re in Hebridean Black Dragon territory. Maybe you re tight with
the gang or you are really short on cash, but you ve found yourself housed in a flat with cheap rent and
the sounds of artists rolling in through brixton academy keeping you up all night. The recent
renaissance has seen an influx of trendy shops, bars, restaurants and art galleries, but Brixton still
maintains the strong local flavor of its African, Indian, Asian, Portuguese and Caribbean populace. Of
course it hasn t all been plain sailing: Brixton has suffered two major riots in recent history and
remains bedeviled with drug problems. Some feel that the recent long overdue investment has proved
a bit of a double edged sword, with the slew of ... Show more content on Helpwriting.net ...
With the Natural History Museum, Royal Albert Hall and V A attracting such a vibrant mix of people,
it s easy to forget that this is a residential area as well. Yet just by the Tube station is a continental
style square often filled with locals breakfasting in the sun. Tucked behind the museums lie rows of
mansion blocks, terraced houses clustering round pretty garden squares and fine examples of villa
style housing. It s said that the majority of London s French community live here it s been nicknamed
Paris s 21st arrondissement . There s a Lycée as well as the French cultural institute nearby, and
residents will tell you that South Ken is the only place in London you can buy a proper croissant.
Residents tend to be professionals and the area is an unbeatable location for shopping, with two of
London s most iconic department stores nearby. The jewel in South Kensington s dazzling crown is
surely its proximity to the historic and beautiful Hyde

Crowpaw Journey
With two sisters falling asleep as they leave. It is noted that Firestar doesn t think this is much of a
loss, as they are both too soft and delicate to be at home and feathers everywhere. Both she and her
sister then fall back asleep as the Clan cats leave. Firestar doesn t consider it much of a loss, as they
are not Clan in the fall, when she was actually the Tribe s promised silver cat . Crowpaw rushes over
to save her, but it is too late. The spirit of Silverstream isn t safe to fish in. He tells Brindle Claw that
he will take a patrol into the fields after she asks for him to do so. When the three WindClan kits fall it
under a tree. She leaps at him with a huge yowl, and she chases him through the forest, until Rage falls
off a cliff. ... Show more content on Helpwriting.net ...
When the journey starts, Sorreltail nearly falls off of a cliff instead of her. In the Category:Field Guide
Arc The Ultimate Guide She appears on Crookedstar s page. When a fall broke Storm It s jaw
Rainflower renamed him. It seemed that Rainflower Twoleg nest, Mousewhisker is told to climb up
and fetch her. As he reached her and tried to help her up, he brushed her accidentally and she falls
beside the younger cats of the group, including Hawk Swoop, Jackdaw s Cry, and Falling Feather.
Since they were not fully grown, they have trouble climbing says that they didn t have any children, so
Sasha is like their child, but they aren t allowed to have pets in the retirement home. Eventually, Sasha
falls behind, and she goes into detail out to be much bigger than expected, and almost kill the kits.
They escape, but Jaykit accidentally falls into the hollow. Hollykit is relieved when she sees that
Jaykit their warrior names, Softwing and Whitefang. After a Twoleg kit falls into the icy river, a patrol
consisting of Shellheart, Owlfur, Oakpaw, and Softwing

Grab You Ephedra Essay
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Weight Loss Problems?
Are you tired of putting all you efforts to lose weight and see minimal or no results at all? Sad but it is
a fact that many people who desire to lose weight have failed to achieve their weight loss goals.
Perhaps, it is everyone s goal to stay healthy and maintain their ideal weight, however, it is not as
simple as most people think it is. Most of the time, diet and exercise are not enough to achieve and
maintain ideal weight. Thus, we offer you an EFFECTIVE and FAST WEIGHT LOSS SOLUTION.
Boost your metabolism and lose that excess weight fast with EPHEDRA BASED FAT BURNERS
from Iron Muscle Supplements.
Avoid Weight Fluctuations
Losing weight is not the only problem that most people face. Dealing with weight fluctuations can be
stressful. One moment, you lose weight and then the next moment, you gain it back. You are not alone
with this problem. A lot of people face it and oftentimes it is the cause why most of them give up their
weight loss goals. Who wouldn t when it is such a waste of time losing weight just to gain it back
again? ... Show more content on Helpwriting.net ...
Ephedra Diet Pills will help you speed up your metabolism as you go on your quest to lose weight,
thus, you would not worry about gaining back your weight anymore.
Lose Body Fats But Not Muscles
Losing Body fats fast is NOT A FAD. In most cases, weight loss does not involve losing body fats
alone but a large weight loss percentage comes from losing muscle tissues and water.
Different types of person have different weight loss goals and require different kinds of means to lose
weight but all have the same end point; to LOSE THAT EXCESS BODY FATS. But how can you lose
that excess body fats when water and muscles are lost

Small Business Deductions
If you own your own small business, you know about deducting your business expenses. To be
deductible, the Internal Revenue Service says an expense needs to be both ordinary and necessary. An
ordinary expense is one that is common and accepted in your trade or business. A necessary expense is
one that is helpful or appropriate for your trade or business. An expense does not have to be
indispensable to be considered necessary. But unless you are meticulous about keeping your receipts
and thinking about your business, you may miss many small deductions that can really add up by the
end of the year. For instance, think about your car. You probably try to keep track of the mileage you
drive your car for business appointments. But do you also keep track of the mileage you drive to the
bank, to the post office, or to the office supply store? These miles can really add up. You should also
consider how you can make regular errands into business trips. ... Show more content on
Helpwriting.net ...
Take some flyers and business cards with you. Ask the business owner if you can post the flyers or if
he can pass out the cards for you. PRESTO! A regular errand to pick up lunch has just turned into a
business deduction. Your purpose to visit that business was to explore a new advertising avenue. You
just happened to pick up lunch while you were there. See how easy it can be? Because it s easier, most
small business owners just take the standard mileage deduction. But in some instances, it makes more
sense to deduct your actual expenses, especially if you start your business while driving an older car
which needs some bigger maintenance expenses during the year. You should consider keeping track of
these other expenses so you can compare your tax deduction: gasoline oil changes, air

Raising Capital in the Financial Markets
CHAPTER 14
Raising Capital in the Financial Markets
CHAPTER ORIENTATION
This chapter considers the market environment in which long term capital is raised. The underlying
rationale for the existence of security markets is presented, investment banking services and
procedures are detailed, private placements are discussed, and security market regulation is reviewed.
CHAPTER OUTLINE
I. The mix of corporate securities sold in the capital market.
A. When corporations raise cash in the capital market, what type of financing vehicle is most favored?
The answer to this question is corporate bonds. The corporate debt markets clearly dominate the
corporate equity markets when new (external) funds are being raised.
B. From our ... Show more content on Helpwriting.net ...
2. The capital market consists of the institutions and procedures that provide for transactions in long
term financial instruments. This market encompasses those securities that have maturity periods
extending beyond 1 year.
D. Organized security exchanges can be distinguished from over the counter markets.
1. Organized security exchanges are tangible entities whose activities are governed by a set of bylaws.
Security exchanges physically occupy space and financial instruments are traded on such premises.
a. Major stock exchanges must comply with a strict set of reporting requirements established by the
Securities and Exchange Commission (SEC). These exchanges are said to be registered.
b. Organized security exchanges provide several benefits to both corporations and investors. They (l)
provide a continuous market, (2) establish and publicize fair security prices, and (3) help businesses
raise new financial capital.
c. A corporation must take steps to have its securities listed on an exchange in order to directly receive
the benefits noted above. Listing criteria differ from exchange to exchange.
2. Over the counter markets include all security markets except the organized exchanges. The money
market is a prominent example. Most corporate bonds are traded over the counter.
a. NASDAQ, a telecommunication system providing an information link among brokers and dealers in
the OTC markets, accounted for 43% of the

The Roles Of Telomeres And Chronic Disease
The Roles of Telomeres in Eukaryotic Cells During each and every cell replication, chromosomes
shrink by a small, but noticeable amount. Because of this, telomeres cap the ends to protect the coding
regions of the chromosomes. With each generation of DNA, more and more of the telomere
disappears. An enzyme slowly rebuilds them, but it cannot keep up with the degradation during
chromosome replication. Eventually the shortened telomeres cause the cell to go through apoptosis
(Pierce 2014). Because telomeres are one cause of cell death, it is hypothesized that telomere size can
determine the health and age of an individual. Research has shown a correlation between telomere
length and chronic disease. Those with chronic diseases usually have significantly shorter telomeres.
This raises the questions of what the correlation means. Chronic disease could shorten the telomeres,
or short telomeres could cause chronic disease. Another hypothesis exists that shortened telomeres and
chronic disease are both caused by another force; they occur simultaneously, but one does not
necessarily cause the other. Researchers have also seen a correlation between telomere length and age.
Physical age may be derived from the number of cells that have undergone apoptosis. There are a
number of things that we can do to prevent telomere reduction. Diet and exercise both play a key role
in this. Things that are bad for us, such as smoking and stress, increases the rate at which telomeres
shorten. By

Essay on The Death Of Liberal America
Americans seem to have lost any sense whatsoever of what liberalism means and what it strives to
insure. Liberals have insisted that tyranny can only be combated by the multiplication and
fragmentation of power. A free society is one in which there are various centers of power, various
positions from which people have the ability to influence decisions. That s the whole point behind
creating three branches of government, the vaunted separation of powers. Liberalism aims to insure
peace and prevent tyranny in pluralistic societies. Liberalism strives to place lots of individual actions
outside the pale of politics and beyond interference from the state or other powers. And, culturally, it
strives to promote tolerance, where tolerance is, ... Show more content on Helpwriting.net ...
Democracy has it benefits, with the most obvious being peace. The most important corollary benefit is
that the opposition party plays a key role in keeping the party in power honest. It is obviously in the
opposition party s interest to keep the public informed about the missteps and misdeeds of the
administration party. The opposition party is as crucial to ongoing publicity as a free press. And
publicity is a crucial safeguard (not the only one, but a crucial one) against governmental abuse of
power. Democracy, in short, prevents one party rule.
So what s the problem in 2005? Up until now American democracy has been remarkably stable with
the notable exceptions of the Civil War and the Civil Rights conflicts. But now, the Republicans have
launched a full scale assault upon democracy at home. This assault is about grabbing and using power,
and it also reflects an impoverished view of democracy basically one that limits democracy to free
elections. The understanding of democracy tends toward the plebiscite and toward the establishment
of a strong leader, usually one who promises to sweep aside the complexities, compromises,
frustrations, and inefficiencies introduced by parliamentary janglings and an independent judiciary.
The plebiscite has almost always favored right wing leaders impatient with legal and institutional
impediments to forceful action. In other words the plebiscite is perfect for establishing the tyranny of
the majority. By emphasizing a direct, even

The Effective Management Of Water Quantity Is An Urgent...
Humans demand the need for the worlds freshwater supplies to be cultivated as the global population
upsurges. With water being one of the most important natural resources, once flowing freely in
abundance, it is beginning to become a highly valued commodity due to overuse, droughts, irrigation
and damming and reduced water quality. Water management is the administration of water resourced
under thorough policies and regulations that ensure a sustainable supply of water for present and
future generations. Australia has the lowest rainfall of all the inhabited continents as well as the least
river water, the smallest area of permanent wetlands and freshwater lakes. Coupled with the highest
levels of water consumption in the world, it is ... Show more content on Helpwriting.net ...
Collectively, these are fundamental decisions in which we can improve upon the way we utilise water
as a resource. Individuals, by implementing these decisions, are addressing the issue of water
conservation through the reduction of water use, reducing water pollution and health risks whilst
educating themselves about matters that affect their water supplies (Bliss and Paine, 2010).
Consequently, individuals have been involved in the decision making process, in order to address the
issue of Water management. This is evident through the measures Australian individuals take to ensure
sustainability.
The effective management of water quantity is an urgent issue facing Australia. Therefore, in
response, various groups have been involved in the decision making process addressing the issue.
Supplying Sydney with fresh, abundant and high in quality water is a significant geographical issue. A
range of organisations have the responsibility for water management and addressing the issues that
come along with it. Different groups target different issues such as the quality, quantity, recycling the
water, conserving it and educating communities about the issue. Various groups that have been
involved in the decision making process include The Australian Water Association, Water Group,
Every Drop Counts Business Program and The water management (WM) chair group. The

Case Study Of Oil And Natural Gas Corporation Ltd. V. Saw...
Case Study: Oil and Natural Gas Corporation Ltd. v. Saw Pipes, AIR 2003 SC 2629
In one of the most controversial Indian Judgement ONGC v. Saw Pipes Limited, Supreme Court
widened the scope of Public Policy. ONGC had placed an order on Saw Pipes for supply of equipment
for off shore exploration to be procured from approved European manufacturers. The delivery was
delayed due to general strike of steel mill workers in Europe.
Disputes arose as Saw Pipes was not able to conform to the delivery time and the strike went on for 2
months. ONGC deducted a large sum from the bills on account of delay as Liquidated damages
caused. The matter was referred to arbitration and an award was passed in the favour of Saw Pipes.
ONGC challenged this award the Supreme Court concluded that ONGC was justified in deducting the
amount and the arbitrators were wrong in awarding the amount with interest and set aside the award.
The Court held that any arbitral award which violates Indian statutory provisions is patently illegal
and contrary to public policy .
The ONGC case s decision was widely criticized in the International community. Three years later the
Supreme Court had an opportunity to refer the matter to a larger Bench which it did not though it
accepted that ONGC s case had invited considerable adverse comments.
While reviewing the merits of the ONGC ... Show more content on Helpwriting.net ...
The Court distinguished between enforcement of domestic award and foreign award. It held that
public policy for the purposes of Section 48 of the Act, has a narrow meaning as compared to the same
expression under Section 34 of the Indian Arbitration

Essay on Issues of Tempo and Mode in Evolution
There are many ways to explain how Earth and everything else came to be. Such as,
Uniformitarianism, Catastrophism, Gradualism, and Punctuated Equilibrium. Generally,
Uniformitarianism and Catastrophism are grouped together while Punctuated Equilibrium and
Gradualism are grouped together separately from Uniformitarianism and Catastrophism. Gradualism
and Punctuated Equilibrium are usually looked at through a biblical stand point rather than how
Uniformitarianism and Catastrophism are looked at from the opposite view.
The theory of Uniformitarianism states that everything happens gradually and what we see now in the
present time, took many years to become this way. It also has a natural law that says that what was
happening before is ... Show more content on Helpwriting.net ...
Whewell was a scholar from the University of Cambridge. He used it to help explain evolution since
at the time evolution was supported by Noah s Ark. Since, Noah s Ark was used as an explanation for
mass extinction. There is also Catastrophism in this group and its explanation is that some of Earths
features and events like mountains, valleys, floods, and mass extinctions were caused by very
dramatic and harmful events. How it relates to Uniformitarianism is that Uniformitarianism is slow
gradual changes like erosion, and can cause catastrophic events later on. Such as, glaciers melting, and
forming tsunamis and floods, killing off species catastrophically. They are also much related because
they relate to the idea of cause and effect. They are also basically anti creationist and agree that many
events have to happen over long periods of time not in all just one moment. However, there is also
gradualism and punctuated equilibrium to support the creationist side. Gradualism and punctuated
equilibrium explain how species go through evolutionary change. Gradualism is belief that changes
occur, or ought to occur, slowly in the form of gradual steps, another topic related to gradualism is
incrementalism. Gradualism supports how species go through evolutionary changes over short and
longer periods of time. Gradualism is also very popular in politics, it is one of the defining features in
conservatism and reformism,

Women In The Chronicles Of Narnia
In C. S. Lewis s children s books The Chronicles of Narnia, Lewis s misogynistic views of women are
brought to the reader s attention. One can clearly see that regardless of a women s ethnicity, class, age,
and social upbringing, gender is the most important characteristic to Lewis. Throughout The
Chronicles of Narnia, Susan and Lucy Pevensie, Jill Pole, and Aravis are put down by Lewis for their
gender in different ways. Lewis demonstrates his belief that women are meant to be housewives and
submissive to men. As children, girls can be more masculine, but in the end they become too silly and
vain to do much else. We see this transformation in Lucy and Susan Pevensie throughout the books.
Women cannot have the same power or characteristics ... Show more content on Helpwriting.net ...
103). In The Horse and His Boy, Corin tells Shasta that Queen Susan is more like an ordinary grown
up lady. She doesn t ride to the wars, though she is an excellent archer (The Horse and His Boy, pg.
176). This makes it seem that since Susan chooses not to participate in battles that makes her silly.
This silliness emphasizes Lewis s belief of one of the main characteristics of a women. Lucy on the
other hand is given a small dagger to defend yourself at great need (The Lion the Witch and the
Wardrobe, pg. 105). She even asks Father Christmas if she can fight in the battle, but he tells her no
because battles are ugly when women fight (The Lion The Witch and the

When Marco First Appears, Miller Describes Him as a...
When Marco First Appears, Miller Describes Him as a Square built peasant of thirty two, suspicious,
tender and quiet voiced.In the
Light of Marco s Role in the Play, How Helpful Do You Find this
Introduction to Him?
When considering this question, it is necessary to somewhat challenge it; to whom is Miller s
description meant to be helpful? As A View
From the Bridge is a play, and therefore presented to an audience, we must presume that the
description s intended use is to instruct an actor developing his character which is to be conveyed to
an audience.
Marco s role becomes more important throughout the play. In fact, his role assumes a certain duality.
In one respect, he is the victim of
Eddie s betrayal; he declares: ... Show more content on Helpwriting.net ...
This is very contrasting to Marco s later disgust and hatred of Eddie, but this is because Marco s role
is very much to represent the typical culture, belief and attitudes of Sicilian males, and to embody the
ideals of this culture, where betrayal to the family is the main crime that a man can commit.
Physical strength and prowess is also a key component of this culture, a quality which Miller exhibits
in Marco. Square built evokes connotations of strength for many members of the audience. Strength
becomes an important idea in the play, as Eddie is defeated by Marco in the physical competition
concerning the two chairs (p 58) for example. This victory of Marco s strength is given great
importance as it closes the first act of the play, thereby also giving importance to
Sicilian family values: it is Marco s loyalty to Rodolpho, his brother, which prompts this act of
defiance against Eddie.
As Marco s supremacy over Eddie is established further by several means, for example the chair
incident, the force and power of his opinion and strength also grows, and his attitude towards Eddie
changes. Indeed, at the end of act one, though thinly veiled, there is the competition between the two
males, showing that Marco is
suspicious of Eddie:
Marco is face to face with Eddie, a

The Problem Of Cover Songs
There is a belief in today s society that grew from the past that a cover song is merely a copy or rip off
of the original. This dilemma is discussed in an article by a man named Don Cusic, who has taught
courses in the music business industry since the year of 1982 and is known as a pioneer in music
business education. Cusic s other accomplishments and credibility come from being an historian on
country music, a scholar and writer known worldwide, author of over 209 books and 500 articles, and
having appeared on CMT programs, TNN shows, and two BBC series (Belmont University). The
reason that cover songs are an important discussion in today s society is because there is an increase
presently in cover song creation and also a steady increase of criticism on cover songs. This is due to
the creation of increasingly popular video uploading sites on the internet like YouTube, where any
person can go in, view a cover song and assert that it s bad because it isn t the original song. The
article In Defense of Cover Songs is a strong argumentative article with weak points due to providing
strong historical information on a cover song s influence on the creation of major known songs and
artists and that it conveys a weak unprofessional bias opinion from the author Cusic, who argues that
cover songs are a person s own interpretation of a song and that critics and fans should not belittle a
cover song compared to an original song. First, in the article he discusses the loss of

Sympatric Speciation In Grey Fish
Divergent evolution occurs when two populations of the same species are separated and become
genetically different. Two types of divergent evolution are demonstrated in Figure 2. One type is
called Allopatric speciation; this occurs when a population or group of organisms belonging to the
same species, are separated geographically. Over time, the separated groups develop different traits
due to environmental differences. In Figure 2a, the grey fish evolved in a lake the receives salt water
runoff, they would need to have evolved traits to survive the increased salinity.
Sympatric speciation occurs in the populations are not separated (Figure 2b). For some reason the two
populations don t mix even though they are in the same environment. Differences in behavior can lead
to sympatric speciation. For instance, one population feeds on plants at the bottom of the lake , while
the other feeds on insects near the surface. Over thousands of years of separation based on behaviors,
they become different species because each population would have traits to make them better suited to
eating plants at the bottom of a lake, or eating insects near the surface. ... Show more content on
Helpwriting.net ...
Allopatric speciation happens when a population of a species is separated by a geographic barrier. B.
Sympatric speciation happens when a population is separated by behavior.
Coevolution
Coevolution happens when two species evolve together because of the relationship they have with
each other. For example, as prey gets faster to avoid being eaten, predators also have to be faster in
order to eat. Coevolution can also happen between organisms with a relationship a mutualistic
relationship as shown Figure 3. Pollinators, such as hummingbirds, have evolved beaks to feed on
specific plants. The plants benefit because they are pollinated. Figure 3: Hummingbirds have evolved
beaks that fit the flowers which they

Programmer
Basic Object Oriented Concepts How People Understand Technology There is an old story of how
several blind men set out to understand what an elephant was by examining a live specimen. Each of
them explored a different part of the elephant s body. One blind man, falling against the elephant s
side, proclaimed that an elephant must be very much like a wall. Another, grasping the elephant s ear,
decided that an elephant must closely resemble a leaf. One grabbed the elephant s tail and determined
that elephants must resemble ropes. Yet another felt the elephant s leg and came away convinced that
elephants are very much like trees. Still another held the elephant s trunk and exclaimed that elephants
had much in common with snakes. While ... Show more content on Helpwriting.net ...
Even in technical arenas, this variation in terminology is common. A chemist might use the terms
valance and oxidation state to identify the same concept. Object Oriented Terms and Concepts Objects
Objects are the physical and conceptual things we find in the universe around us. Hardware, software,
documents, human beings, and even concepts are all examples of objects. For purposes of modeling
his or her company, a chief executive officer could view employees, buildings, divisions, documents,
and benefits packages as objects. An automotive engineer would see tires, doors, engines, top speed,
and the current fuel level as objects. Atoms, molecules, volumes, and temperatures would all be
objects a chemist might consider in creating an object oriented simulation of a chemical reaction.
Finally, a software engineer would consider stacks, queues, windows, and check boxes as objects.
Objects are thought of as having state. The state of an object is the condition of the object, or a set of
circumstances describing the object. It is not uncommon to hear people talk about the state
information associated with a particular object. For example, the state of a bank account object would
include the current balance, the state of a clock object would be the current time, the state of an
electric light bulb would be on or off. For complex objects like a human being or an automobile, a

Worldcom Case
3) Roots of the scandal
The roots of the fraud and the role of internal auditors
As explained above, the fraud was implemented by the former CEO Bernard Ebbers and commited by
his financial director Scott D. Sullivan. The technique used by Worldcom was pretty simple; indeed,
he cooked the books by saving pure operating expenses such as maintenance network in capital
expenditure instead of expenses in order to hide its decreasing earnings and to maintain the price of
Worldcom s stock. In summary, certain expenses charged by regional operators to reroute calls were
not taken into account. Of current expenses (line cost expenses), these charges were recorded in
capital in total contradiction with GAAP accounting standards.
Once again, ... Show more content on Helpwriting.net ...
U.S. GAAP are only conceptual frameworks that provide general objectives.
Before the SOX law was signed, it was relatively easy to cook the books as the companies were not
obliged to publish information such as off balance sheet commitments or the report of the audit
whereas now they have to do it. Besides, now the SEC verifies the financial situation of the company
every three years and the law also regulates the intervention of external auditors and the company
cannot keep the same auditors for several years. If that was implemented before the Worldcom case,
the SEC would have been aware of the fraud between Worldcom and Arthur Andersen.
In addition, there is also an obligation for the CEOs and CFOs to personally certify the accounts
(section 906).This increases criminal responsibility of managers in front of the accounting and
financial information of the company. Section 404 requires companies to implement internal controls
whose effectiveness must be demonstrated. Indeed, the WorldCom fraud could have been prevented if
the company had good enough internal controls to prevent Scott D. Sullivan from ordering changes in
accounts just to allow the company to report phony profits.
The creation of the Public Company Accounting Oversight Board (PCAOB) which is a new regulatory
and supervisory organism created to oversee audit firms, establish standards, inspect and sanction
persons with deviant behavior is another important point. This

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