The document describes the rooms in a home and what activities can be done in each room. It lists the bedrooms, bathroom, library, hall, living room, and kitchen. Each room is described as having various furniture and appliances that allow sleeping, bathing, reading, coat storage, relaxing, watching TV, and cooking. Links to additional resources are provided at the bottom.
The document discusses various techniques for designing mobile applications, including:
- Drawing app ideas and wireframes on paper before implementing them digitally.
- Considering human interface guidelines, the user experience, and what users can realistically do within a short time frame using one thumb.
- Defining the app purpose and intended users through traditional UX methods like site maps and identifying key nouns and verbs.
- Designing for mobile users rather than just mobile devices, such as allowing landscape orientation.
- Understanding the user's situational context in terms of where they are, who they're with, what they're doing, and when, and ensuring the app provides a useful result for that context.
The roads in Oak Valley, Texas are in disrepair due to a lack of funding. The town has few sources of revenue and past attempts to obtain grants or use volunteers to repair roads have not provided a long-term solution. A survey of residents found that they support improving the roads but oppose new taxes. The report recommends that town leaders educate themselves and residents on how a small property tax could generate funds to apply for grants to fully repair the roads on a sustainable basis.
This document is a proposal submitted to the Mayor of Oak Valley, Texas requesting funding for road improvements. It provides background on the town's poor road conditions and lack of funding. A survey of residents found majority support a small tax to fund road repairs. The proposal explores funding options and recommends the only viable one is a small city tax, as grants require local funding matches that the town currently can't provide without a tax in place.
The document provides a lesson on shopping online for 7th-8th grade students. It asks questions about students' shopping habits and whether they have ever shopped online. It then provides a short quiz about shopping terminology in English. Finally, it gives students a dialogue writing assignment to practice using the vocabulary where they must create a conversation at the website "www.conranshop.co.uk". It provides this as a homework task and includes various product images and sections of the website to aid students.
Anastasia describes her flat, which contains a bedroom with a red bed and black wardrobe, a kitchen with a balcony and electric stove, and a compact bathroom. She has several pets, including a rat named Phoebe who lives in a cage, a cat named Kuzma who sleeps all day, and two fish in an aquarium that make her flat feel more cozy. Anastasia likes her flat very much.
The document describes the rooms in a home and what activities can be done in each room. It lists the bedrooms, bathroom, library, hall, living room, and kitchen. Each room is described as having various furniture and appliances that allow sleeping, bathing, reading, coat storage, relaxing, watching TV, and cooking. Links to additional resources are provided at the bottom.
The document discusses various techniques for designing mobile applications, including:
- Drawing app ideas and wireframes on paper before implementing them digitally.
- Considering human interface guidelines, the user experience, and what users can realistically do within a short time frame using one thumb.
- Defining the app purpose and intended users through traditional UX methods like site maps and identifying key nouns and verbs.
- Designing for mobile users rather than just mobile devices, such as allowing landscape orientation.
- Understanding the user's situational context in terms of where they are, who they're with, what they're doing, and when, and ensuring the app provides a useful result for that context.
The roads in Oak Valley, Texas are in disrepair due to a lack of funding. The town has few sources of revenue and past attempts to obtain grants or use volunteers to repair roads have not provided a long-term solution. A survey of residents found that they support improving the roads but oppose new taxes. The report recommends that town leaders educate themselves and residents on how a small property tax could generate funds to apply for grants to fully repair the roads on a sustainable basis.
This document is a proposal submitted to the Mayor of Oak Valley, Texas requesting funding for road improvements. It provides background on the town's poor road conditions and lack of funding. A survey of residents found majority support a small tax to fund road repairs. The proposal explores funding options and recommends the only viable one is a small city tax, as grants require local funding matches that the town currently can't provide without a tax in place.
The document provides a lesson on shopping online for 7th-8th grade students. It asks questions about students' shopping habits and whether they have ever shopped online. It then provides a short quiz about shopping terminology in English. Finally, it gives students a dialogue writing assignment to practice using the vocabulary where they must create a conversation at the website "www.conranshop.co.uk". It provides this as a homework task and includes various product images and sections of the website to aid students.
Anastasia describes her flat, which contains a bedroom with a red bed and black wardrobe, a kitchen with a balcony and electric stove, and a compact bathroom. She has several pets, including a rat named Phoebe who lives in a cage, a cat named Kuzma who sleeps all day, and two fish in an aquarium that make her flat feel more cozy. Anastasia likes her flat very much.
Valentine was a third century Roman priest who secretly married lovers against the orders of Emperor Claudius II. When the emperor discovered Valentine's actions, he ordered for Valentine to be killed. Today, Valentine is a saint and the patron of lovers. On February 14th, St. Valentine's Day is celebrated by giving gifts, flowers, and chocolate to loved ones in remembrance of Valentine.
This document provides an overview of managing interpersonal relations with a focus on discrimination and prejudice. It defines prejudice as an unjustified attitude towards an individual based solely on their social group membership, and discrimination as negative behavior or actions towards an individual or group, especially based on attributes like sex, race, or social class. The document discusses how prejudice arises and explores questions around conformity and self-fulfilling prophecies. It suggests managing cultural barriers and notes that understanding prejudice and discrimination can empower one to better understand social situations and manage interpersonal relations both personally and professionally. It promotes addressing these issues through awareness, understanding, and experience.
This published paper developed a new paradigm for the homeland security industry in a speech presented on Homeland Security: A Paradigm Shift and its Impact on Education and Training (Ethics and Critical Thinking Conference, Dallas, TX, Dec 2005, Franklin Publishing Co.).
An archetype for european security 27 april 1993 - ramon martinezRamon Martinez
An Archetype for European Security examines the causes and solutions to the problem of military security in Europe. Specifically, the thesis is that a Federation for European Military Security is a desirable, feasible, and long-term scheme for resolving the problems of uncertainty and a just peace in Europe.
Presenting empirical data compiled by noted warfare research analysts, this paper discusses general trends associated with war. Next presented and discussed are the following proposed military schemes: (1) end all alliances while nation-states maintain military forces only at the necessary level for defending its political sovereignty and territorial integrity; (2) a North Atlantic Treaty Organization (NATO) using a “Resilient Defense” strategy to manage the NATO irony; (3) the Western European Union; and (4) the Pan-European Army. Although not an exhaustive list, these four schemes are paradigmatic of a multitude of proposed schemes.
Proposing a thought experiment a la John Rawls, derived is a method evaluating any proposed military scheme. Imagining an original position while imposed restrictions under a veil of ignorance, the principles of liberty, truth, and equality are selected in devising a desirable and feasible scheme. Lastly, a Federation for European Military Security is selected as the scheme promoting development within the context of an uncertain European future while maintaining a free, secure, just, and relatively peaceful Europe.
Although Lieutenant Colonel Ramon Martinez (USAF, Retired) authored this study in 1993 as a National Defense Fellow, the study and its solution remains relevant today given the immediate and emerging conditions in the Ukraine, Crimea, and Russia, and NATO.
Discovering Delhi - India's Cultural Capital.pptxcosmo-soil
Delhi, the heartbeat of India, offers a rich blend of history, culture, and modernity. From iconic landmarks like the Red Fort to bustling commercial hubs and vibrant culinary scenes, Delhi's real estate landscape is dynamic and diverse. Discover the essence of India's capital, where tradition meets innovation.
How to Invest in Cryptocurrency for Beginners: A Complete GuideDaniel
Cryptocurrency is digital money that operates independently of a central authority, utilizing cryptography for security. Unlike traditional currencies issued by governments (fiat currencies), cryptocurrencies are decentralized and typically operate on a technology called blockchain. Each cryptocurrency transaction is recorded on a public ledger, ensuring transparency and security.
Cryptocurrencies can be used for various purposes, including online purchases, investment opportunities, and as a means of transferring value globally without the need for intermediaries like banks.
13 Jun 24 ILC Retirement Income Summit - slides.pptxILC- UK
ILC's Retirement Income Summit was hosted by M&G and supported by Canada Life. The event brought together key policymakers, influencers and experts to help identify policy priorities for the next Government and ensure more of us have access to a decent income in retirement.
Contributors included:
Jo Blanden, Professor in Economics, University of Surrey
Clive Bolton, CEO, Life Insurance M&G Plc
Jim Boyd, CEO, Equity Release Council
Molly Broome, Economist, Resolution Foundation
Nida Broughton, Co-Director of Economic Policy, Behavioural Insights Team
Jonathan Cribb, Associate Director and Head of Retirement, Savings, and Ageing, Institute for Fiscal Studies
Joanna Elson CBE, Chief Executive Officer, Independent Age
Tom Evans, Managing Director of Retirement, Canada Life
Steve Groves, Chair, Key Retirement Group
Tish Hanifan, Founder and Joint Chair of the Society of Later life Advisers
Sue Lewis, ILC Trustee
Siobhan Lough, Senior Consultant, Hymans Robertson
Mick McAteer, Co-Director, The Financial Inclusion Centre
Stuart McDonald MBE, Head of Longevity and Democratic Insights, LCP
Anusha Mittal, Managing Director, Individual Life and Pensions, M&G Life
Shelley Morris, Senior Project Manager, Living Pension, Living Wage Foundation
Sarah O'Grady, Journalist
Will Sherlock, Head of External Relations, M&G Plc
Daniela Silcock, Head of Policy Research, Pensions Policy Institute
David Sinclair, Chief Executive, ILC
Jordi Skilbeck, Senior Policy Advisor, Pensions and Lifetime Savings Association
Rt Hon Sir Stephen Timms, former Chair, Work & Pensions Committee
Nigel Waterson, ILC Trustee
Jackie Wells, Strategy and Policy Consultant, ILC Strategic Advisory Board
Madhya Pradesh, the "Heart of India," boasts a rich tapestry of culture and heritage, from ancient dynasties to modern developments. Explore its land records, historical landmarks, and vibrant traditions. From agricultural expanses to urban growth, Madhya Pradesh offers a unique blend of the ancient and modern.
In World Expo 2010 Shanghai – the most visited Expo in the World History
https://www.britannica.com/event/Expo-Shanghai-2010
China’s official organizer of the Expo, CCPIT (China Council for the Promotion of International Trade https://en.ccpit.org/) has chosen Dr. Alyce Su as the Cover Person with Cover Story, in the Expo’s official magazine distributed throughout the Expo, showcasing China’s New Generation of Leaders to the World.
Valentine was a third century Roman priest who secretly married lovers against the orders of Emperor Claudius II. When the emperor discovered Valentine's actions, he ordered for Valentine to be killed. Today, Valentine is a saint and the patron of lovers. On February 14th, St. Valentine's Day is celebrated by giving gifts, flowers, and chocolate to loved ones in remembrance of Valentine.
This document provides an overview of managing interpersonal relations with a focus on discrimination and prejudice. It defines prejudice as an unjustified attitude towards an individual based solely on their social group membership, and discrimination as negative behavior or actions towards an individual or group, especially based on attributes like sex, race, or social class. The document discusses how prejudice arises and explores questions around conformity and self-fulfilling prophecies. It suggests managing cultural barriers and notes that understanding prejudice and discrimination can empower one to better understand social situations and manage interpersonal relations both personally and professionally. It promotes addressing these issues through awareness, understanding, and experience.
This published paper developed a new paradigm for the homeland security industry in a speech presented on Homeland Security: A Paradigm Shift and its Impact on Education and Training (Ethics and Critical Thinking Conference, Dallas, TX, Dec 2005, Franklin Publishing Co.).
An archetype for european security 27 april 1993 - ramon martinezRamon Martinez
An Archetype for European Security examines the causes and solutions to the problem of military security in Europe. Specifically, the thesis is that a Federation for European Military Security is a desirable, feasible, and long-term scheme for resolving the problems of uncertainty and a just peace in Europe.
Presenting empirical data compiled by noted warfare research analysts, this paper discusses general trends associated with war. Next presented and discussed are the following proposed military schemes: (1) end all alliances while nation-states maintain military forces only at the necessary level for defending its political sovereignty and territorial integrity; (2) a North Atlantic Treaty Organization (NATO) using a “Resilient Defense” strategy to manage the NATO irony; (3) the Western European Union; and (4) the Pan-European Army. Although not an exhaustive list, these four schemes are paradigmatic of a multitude of proposed schemes.
Proposing a thought experiment a la John Rawls, derived is a method evaluating any proposed military scheme. Imagining an original position while imposed restrictions under a veil of ignorance, the principles of liberty, truth, and equality are selected in devising a desirable and feasible scheme. Lastly, a Federation for European Military Security is selected as the scheme promoting development within the context of an uncertain European future while maintaining a free, secure, just, and relatively peaceful Europe.
Although Lieutenant Colonel Ramon Martinez (USAF, Retired) authored this study in 1993 as a National Defense Fellow, the study and its solution remains relevant today given the immediate and emerging conditions in the Ukraine, Crimea, and Russia, and NATO.
Discovering Delhi - India's Cultural Capital.pptxcosmo-soil
Delhi, the heartbeat of India, offers a rich blend of history, culture, and modernity. From iconic landmarks like the Red Fort to bustling commercial hubs and vibrant culinary scenes, Delhi's real estate landscape is dynamic and diverse. Discover the essence of India's capital, where tradition meets innovation.
How to Invest in Cryptocurrency for Beginners: A Complete GuideDaniel
Cryptocurrency is digital money that operates independently of a central authority, utilizing cryptography for security. Unlike traditional currencies issued by governments (fiat currencies), cryptocurrencies are decentralized and typically operate on a technology called blockchain. Each cryptocurrency transaction is recorded on a public ledger, ensuring transparency and security.
Cryptocurrencies can be used for various purposes, including online purchases, investment opportunities, and as a means of transferring value globally without the need for intermediaries like banks.
13 Jun 24 ILC Retirement Income Summit - slides.pptxILC- UK
ILC's Retirement Income Summit was hosted by M&G and supported by Canada Life. The event brought together key policymakers, influencers and experts to help identify policy priorities for the next Government and ensure more of us have access to a decent income in retirement.
Contributors included:
Jo Blanden, Professor in Economics, University of Surrey
Clive Bolton, CEO, Life Insurance M&G Plc
Jim Boyd, CEO, Equity Release Council
Molly Broome, Economist, Resolution Foundation
Nida Broughton, Co-Director of Economic Policy, Behavioural Insights Team
Jonathan Cribb, Associate Director and Head of Retirement, Savings, and Ageing, Institute for Fiscal Studies
Joanna Elson CBE, Chief Executive Officer, Independent Age
Tom Evans, Managing Director of Retirement, Canada Life
Steve Groves, Chair, Key Retirement Group
Tish Hanifan, Founder and Joint Chair of the Society of Later life Advisers
Sue Lewis, ILC Trustee
Siobhan Lough, Senior Consultant, Hymans Robertson
Mick McAteer, Co-Director, The Financial Inclusion Centre
Stuart McDonald MBE, Head of Longevity and Democratic Insights, LCP
Anusha Mittal, Managing Director, Individual Life and Pensions, M&G Life
Shelley Morris, Senior Project Manager, Living Pension, Living Wage Foundation
Sarah O'Grady, Journalist
Will Sherlock, Head of External Relations, M&G Plc
Daniela Silcock, Head of Policy Research, Pensions Policy Institute
David Sinclair, Chief Executive, ILC
Jordi Skilbeck, Senior Policy Advisor, Pensions and Lifetime Savings Association
Rt Hon Sir Stephen Timms, former Chair, Work & Pensions Committee
Nigel Waterson, ILC Trustee
Jackie Wells, Strategy and Policy Consultant, ILC Strategic Advisory Board
Madhya Pradesh, the "Heart of India," boasts a rich tapestry of culture and heritage, from ancient dynasties to modern developments. Explore its land records, historical landmarks, and vibrant traditions. From agricultural expanses to urban growth, Madhya Pradesh offers a unique blend of the ancient and modern.
In World Expo 2010 Shanghai – the most visited Expo in the World History
https://www.britannica.com/event/Expo-Shanghai-2010
China’s official organizer of the Expo, CCPIT (China Council for the Promotion of International Trade https://en.ccpit.org/) has chosen Dr. Alyce Su as the Cover Person with Cover Story, in the Expo’s official magazine distributed throughout the Expo, showcasing China’s New Generation of Leaders to the World.
Dr. Alyce Su Cover Story - China's Investment Leadermsthrill
In World Expo 2010 Shanghai – the most visited Expo in the World History
https://www.britannica.com/event/Expo-Shanghai-2010
China’s official organizer of the Expo, CCPIT (China Council for the Promotion of International Trade https://en.ccpit.org/) has chosen Dr. Alyce Su as the Cover Person with Cover Story, in the Expo’s official magazine distributed throughout the Expo, showcasing China’s New Generation of Leaders to the World.
Monthly Market Risk Update: June 2024 [SlideShare]Commonwealth
Markets rallied in May, with all three major U.S. equity indices up for the month, said Sam Millette, director of fixed income, in his latest Market Risk Update.
For more market updates, subscribe to The Independent Market Observer at https://blog.commonwealth.com/independent-market-observer.
Navigating Your Financial Future: Comprehensive Planning with Mike Baumannmikebaumannfinancial
Learn how financial planner Mike Baumann helps individuals and families articulate their financial aspirations and develop tailored plans. This presentation delves into budgeting, investment strategies, retirement planning, tax optimization, and the importance of ongoing plan adjustments.
Navigating Your Financial Future: Comprehensive Planning with Mike Baumann
A Thought Provoking Solution To The Us Debt And Defict Rm
1. A Thought Provoking Solution to
the U.S. Debt and Deficit Crises
By
Ramon Martinez
Lieutenant Colonel, US Air Force (Retired)
Strategy, Management, Public Policy, & Insight Consultant
XTek Solutions, Inc.
August 2011
Background
The United States spends more money than it collects. The fact that we conflate
our debt and deficit with our federal budgetary process complicates and worsens
this predicament.
Our national debt limit and deficit crises are the result of a system of complex,
interrelated, current and emergent set of conditions. Our tinkering and
separately tweaking the elements of the U.S. economy and fiscal budget has
produced unintended consequences that unjustly tie the noose over our children
and grandchildren’s future. Offering a palliative to relieve the symptoms and
our anxiety is not the solution to our crises; these sedatives mask and amplify
our predicament. We will experience greater pain and suffering for generations
to come.
The solution goes beyond cutting federal spending, increasing the debt ceiling, or
raising additional revenue by way of more taxes. It will be impossible for our
government to function well and balance our budget given the current and
emerging conditions. Rather, the solution requires identifying, addressing, and
managing the underlying causes of our dysfunctional sovereign debt and deficit
crises.
This paper presents a thought provoking proposal to eliminate the national debt
separately from balancing the federal budget. It accomplishes this end-in-view
by (a) creating a national debt market to buy and sell national debt certificates
that should lead to reducing $1 trillion annually off the national debt over a 16-
year time frame; and (b) enacting a 5 percent national debt sales tax generating
$850 billion to pay the annual interest on the current national debt.
Solving the national debt predicament independently of the federal budget
empowers the U.S. to prepare, evaluate and implement a balanced budget that is
transparent, accountable and credible to help establish the conditions for the
creation of wealth, sustaining healthy growth, building a resilient economy and
nation, and meeting the needs of the people.
Ramon Martinez
Lieutenant Colonel, USAF (Retired)
xtek_solutions@msn.com
2. A Thought Provoking Solution to the U.S. Debt and Deficit Crises
The U.S. Economic Predicament
The United States confronts a colossal economic crisis that we can characterize as
a speeding runaway spacecraft traveling towards a black hole. Although the
U.S. debt is approaching $15 trillion (actually $14.5 trillion), the U.S. maintains an
additional $66 trillion in obligations and guarantees; this does not include debts
and unfunded liabilities owed by each of the 50 states. Moreover, the national
debt increases approximately $6 billion daily. These numbers are astronomical
and almost beyond comprehension.
Based upon the current interest rate, the U.S. pays $700 billion annually on the
current interest owed on the national debt. With the U.S. presently collecting
over $1.1 trillion in income taxes and an additional $1.1 trillion from other tax
revenue, the U.S. generates a total of $ 2.2 trillion annually.
Since one third of U.S. tax revenues goes toward paying the interest on the
national debt, this means the government should have only $1.5 trillion to spend
on its commitments. Without any fiscal changes, U.S. commitments for spending
in 2011 will be over $3.8 trillion; this strongly suggests that the U.S. is creating an
annual deficit of $1.65 trillion. Therefore, the national debt is really approaching
$16 trillion and we have in view another imminent crisis.
Some Additional Facts
The current population of the United States is over 310 million. There is an
estimated additional 50 million people with legal residence or undocumented in
the U.S.
The documented gross national product (GNP) of the United States is over $15
trillion. The U.S. has an underground economy of illegal and unreported income
from the production and sales of legal goods and services that is estimated to be
approximately $2 trillion. This massive underground economy creates the
adverse impact of taxable economic activities not being reported, collected, and
generating revenues for the U.S. federal budget.
The U.S. population to national debt ratio equates to every citizen, regardless of
age, owing $50,000 as their percentage of the national debt.
What We Must Stop and Start Doing
The government’s tried and true conventional methods, which include
maladaptive policies and offering perverse incentives, encourage the wrong
economic behaviors and can’t solve crises of these epic and pan-generational
proportions. The conditions have changed, and the more prudent,
transformational course of action is to redesign and restore our budget to align
with the current and emerging 21st century conditions and opportunities. This
translates into ending our learned helplessness and taking action now to create a
budget that works for all Americans.
2
Ramon Martinez
Lieutenant Colonel, USAF (Retired)
xtek_solutions@msn.com
3. A Thought Provoking Solution to the U.S. Debt and Deficit Crises
National Debt Certificate Program
The solution is to use private and public monies to eliminate our national debt.
We propose reducing $1 trillion off the national debt each year during a 16-year
period, which is doable, and totals $16 trillion. The U.S. can accomplish this by
buying and selling national debt certificates through a national debt market.
This should lead to the market creating wealth to reduce the national debt.
First, in order for the plan to work, Congress would have to immediately freeze
the national debt at $16 trillion.
Second, since the U.S. population-to-national debt ratio equates to $50,000 per
citizen, the U.S. would issue a National Debt Certificate (NDC) to every citizen
declaring that the bearer owes $50,000 to the federal government.
Third, the person or entity that pays the entire face value of the NDC would
receive special tax credits for a total of 7 years against their future income.
Fourth, instead of the face value being $50,000, the deductable income amount
would be $100,000 during the first year. The certificate value and deductible
income amount for years two through six would be the face value of $50,000.
The face value and deductible income amount would again be $100,000 in the
final 7th year.
Fifth, all certificates would be able to be bought and sold in a national debt
market.
Sixth, individuals would be able to purchase the NDC tax credits using their
Individual Retirement Accounts (IRA); and individuals would not be penalized
for using their IRA.
Seventh, the revenue generated from the NDCs would be strictly used to pay the
$16 trillion national debt.
Finally, since the GNP, including documented and undocumented incomes, is
$17 trillion, enacting a 5 percent national debt sales tax on all goods and services
should generate $850 billion annually to pay the annual interest on the national
debt. The federal government would be limited to using the generated revenue
only to pay the annual interest on the national debt, and the sales tax decreases
as the annual interest on the national debt decreases. The NDC Program is
predicated on maintaining on-going balanced budget.
Our Fate, Our Choice
The U.S. confronts a catastrophe of epic and trans-generational proportions. Our
leaders must make crucial decisions about our national debt and budget. Do
they continue with conventional methods of tinkering, tweaking, and offering
palliative medicines that treat the symptoms, worsen our conditions, and then
3
Ramon Martinez
Lieutenant Colonel, USAF (Retired)
xtek_solutions@msn.com
4. A Thought Provoking Solution to the U.S. Debt and Deficit Crises
leave it up to fate? Or, do they take transformational action that chooses a better
future for our children, grandchildren, grandparents, and us by establishing the
conditions for the creation of wealth and the development of a resilient economy
or nation?
The conventional method will not work. However, transformational action
offers us the best opportunity to change our predicament into a successful
outcome.
We can and will succeed by managing the national debt separately from the
budget. Creating a national debt market to buy and sell national debt certificates
using private monies and providing tax credits while enacting a 5 percent
national debt sales tax should lead to eliminating our $16 trillion national debt,
paying the annual interest on the national debt, and stimulating the economy.
By taking the debt off the U.S. budget, our leaders can develop and present a
transparent, coherent and accountable balanced budget that satisfies the needs of
the people of this great nation. Implementing such a policy would lead to
stimulating the U.S. economy; undoubtedly strengthening U.S currency on the
open market; and restoring credibility to the U.S. economy domestically and
throughout the world.
4
Ramon Martinez
Lieutenant Colonel, USAF (Retired)
xtek_solutions@msn.com