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Open Question: review my grammer pliz..!!!help...?

I.Objectives My objective is to further pursue my Master degree by getting Department of Forestry of National Chung Hsing University due to my interest was concern to Indonesia’s rainforest which were destroyed seriously every single year. My long term goal is to protect and conserve our Indonesia’s natural resources and rainforest. I hope I could receive this opportunity to deepen my knowledge concern to these issues and contribute it significantly to Indonesia. II.Academic Background In 2006, after fulfilled nine-year obligation education, Pesamuhan Bodhicitta Mandala Indonesia awarded and offered me a 4-year overseas full scholarship to Transworld Institute of Technology, Taiwan. Thus, I effort to seize this opportunity and came to Taiwan pursuing my university education in Department of Environmental Resources Management. Meanwhile, I have learned not only any specialized subjects, but also have take a part into many kind of activities, test, competition, etc. As my first year of my education progress, I have take a part on the demonstration action to stop Hu-Shan Dam Project, because of its threats to the Huben-Hushan area which is listed as an Important Bird Area (IBA) by Bird Life International on account of Fairy Pitta Pitta nympha and five species found only on Taiwan Island. In 2007, once again, I take a part on the demonstration action for preservation of Losheng Sanatorium due to the protests about the plans to replace Losheng Sanatorium with a MRT (Mass Rapid Transport) depot. In the same years, on my summer holiday, I have joint the Indonesia Youth Travel in Taiwan Programme, therefore I and others companion, both from Indonesia and Taiwan companion, do an environmental campaign about Indonesia’s rainforest and travel around Taiwan. Our main goal is to urge the world to save the Indonesian rain forest. And our mission accomplished successfully, and I have learnt and experienced a lot about environmental protection issues from Taiwan’s Environmental Protection’s Party. In 2008, I were back to Indonesia and role as volunteer for Pesamuhan Bodhicitta Mandala Indoesia by joint the “2008 Spread Seeds of Hope” program. The main objectives of this program were doing an environmental campaign, Chinese learning program, and follow the senior to research in Indonesia’s tropical rainforest. Thus, I have learnt and experienced in communicating with local government and make an social-economy survey with local people. Meanwhile, I also have learnt the basic as bird surveyor in the forest. Further, after accomplished this program, I accompanied some lectures from Taiwan who want to go to “Leuser National Park” in Indonesia. And my roles were act as tour guide and translator for a couple days. I must plan out their schedule from the first day till the end and think about what their demands were, etc. From this, I have learnt how to be a good tour guide and experienced a lot concern to Indonesia’s nature and forest. As the last program of my back to Indonesia’s trip, I also joint IOIA/FOG Organic Crop Inspection Training. Training include instruction on the certification process, organic standards, how to inspect organic farms, audit trail (record keeping) requirements, regulations, risk assessment, investigative skills, report writing, ethics, and effective communications. In 2009, I most focused on take a test or training to get the certificate and license, therefore, I have received Open Water Diving License and the certificate of TOEIC and TQC Excel. As my third years of my bachelor education, I particularly focused on my graduated thesis. As my thesis concern on the bird surveying, I must deepen my skill, and study to get lot knowledge related to field. III.Motivation Rainforests play an important role in maintaining biological diversity, modulating precipitation, infiltration and flooding, increasing scientific knowledge and in the spiritual well-being of humans. Based on this reason, I am eager to learn much more about the forest which I am particularly interested. In addition, during my undergraduate program in Environmental Resources and Management major, I did not have an opportunity to learn enough about this field. Thus, I want to deepen and develop my skill on this field by pursuing related academic program for my master education. Since, such kind of program in my home country, Indonesia, was still belong to minority program and because of effectiveness reason to get a better environment for study and sophisticated equipment for research, thus why I convinced myself that pursuing and advanced my knowledge concern to this field by applying Department of Forestry in National Chung Hsing University was the correct choice for me. I selected National Chung Hsing University because its research focus, facilities and professors are absolutely ideal to help me meet my precise goals. My choice was made after comparing and contrasting carefully several different natural resources c more

Open Question: Qualification - How did you route your undergrade to postgrade studies , pl give your plan with examples ?

Plan 1 Year 2009 -2012 After Completion of 12th Grade, you may join Dental Tech Course Which will be completed in 2012. Work for 2 years and than bring job work from UK to India Plan2 : 12th Grade/BE/MBA Finance/CFA/Financial Risk Management 1.Year 2009 -2013 After Completion of 12th Grade, you may join Bachelor of Eng Which will be completed in 2013 You may start with MBA Tech or MBA Finance or Markeing along with CFA Chartered Financial Analyst (3 Levels) and than go for Financial Risk Management System Plan 3 : 12th Grade/BE/MBA Finance/MBA Mktg Year 2009 - After Completion of 12th Grade, you may joiningg Bachelor of Eng Which will be completed in 2013, he Started MBA Finance in India and than Going to UK in sept for, MBA Markeing more

Resolved Question: What are some ways to online-promote company which management / professional development training service?

How to online-promote a company which provides professional development training service (e.g. risk management, finance, leadership training)? more

Open Question: Is it normal to be asked to use 'in house' services(solicitors/mortgage arrangments) to buy a repossessed home?

Hi All! I have put in an offer and had it accepted, just under the asking price on a house which sadly is a repossession. It is not in a great state-appliances having been ripped out etc, scuff marks but nothing that can't be fixed and the house is just the thing to at last get me on the ladder.. The seller/management company have reduced the price on the property once already-they have yet had no other offers on it. The estate agent i am dealing with wants to keeps things 'in house', by using their services for conveyancing and mortgages.I am a single woman who is a first time buyer and i had a good deal with my bank on a mortgage but the agent has alluded to the fact that i may stand a better chance of avoiding more offers on the property if i use their mortgage service.The mortgage deal the estate agent offered isn't bad(more expensive though) but i wondered if this is normal practice? I have said i would not use in house solicitors which was seen as ok but they did recommend a local solicitor. I am not well off, and although i know this is a risk i am still willing to walk away if higher offers (ie, over asking price), come in at the last minute. i know the bank/management company want the money so need to sell and ensure that the sale will go through in 28days, but does anything here sound odd? Just wondered! more

Open Question: what is the average salary paid in the field of MSc Safety engineering and risk management ?

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Open Question: What can you comment about this case?

Case 1: Supplier in Trouble ‘‘The listing of NewCCC Inc. on NASDAQ was halted. Your auditors wanted to see the conclusions of a forensic audit of NewCCC Inc.’s books going back to 1999. The forensic audit is looking for potential fraud,’’ Jill Turner stated, looking at the pale fifty-year-old man sitting in front of her. ‘‘The listing of our shares was halted temporarily,’’ he pointed out, tapping his finger on the table as he spit out ‘‘temporarily.’’ ‘‘When will the listing continue?’’ Jill asked, trying to decipher the meaning of the word temporarily.The meeting room was small—only four chairs and a table. James Mendelsson, senior vice president of NewCCC Inc., was sitting on the edge of his chair in front of Jill. He reluctantly admitted that he didn’t know of any schedule for the listing. ‘‘We expect that the forensic audit will be finished by the end of August,’’ he explained. Jill, the business analyst for suppliers, wondered how many times he had told the same story. It was obvious that investors, bankers, shareholders, employees, suppliers, and customers wanted to know what had happened to this relatively old and stable company. ‘‘There’s still three months to go before your forensic audit will be finished,’’ Jill said impatiently, and continued, ‘‘Your previous CFO and controller had to leave the company. Is that correct?’’ James nodded tiredly and moved forward in his chair, his dark blue eyes locked on the simple brown table. ‘‘Are there any pending lawsuits against NewCCC Inc.?’’ Jill asked. ‘‘No, not at this moment,’’ James sounded delighted to break the news. He held his head in his hands. ‘‘We are investigating what happened,’’ he emphasized. ‘‘Who is your biggest shareholder? Do you still have the same shareholders as before?’’ Jill asked and looked at James. He was quiet—no answer. ‘‘It was announced in your annual report in March 2002 that the biggest shareholders were your president and chairman, John O’Malley, with 55 percent of shares, and your previous CFO, Timothy Credit, with 10 percent of shares. Is this informationstill valid?’’ Jill inquired. ‘‘I can’t say exactly who our biggest shareholders are at the moment. I suppose that it’s still the same people as before,’’ James said in a hesitating voice, staring at the table again. ‘‘Please check out the details for me,’’ Jill asked in a friendly but firm tone and continued, ‘‘Do you have that information available?’’ ‘‘All right, Kate, please get the files from my office,’’ James said, turning to the accountant who was sitting next to him. Kate left the room. To Jill, the seconds felt like hours as they waited for Kate’s return. ‘‘More coffee?’’ James asked politely. ‘‘Yes, please. With milk, but no sugar. Thanks.’’ Kate returned to the small meeting room carrying some papers. James nodded to Kate to sit. He took the papers and flicked through them until he found the relevant page. His expression changed. ‘‘Well, there have been some changes in our ownership, I see,’’ he stated, looking as if he had seen the information for the first time. This was not a surprise, Jill thought wryly to herself. She said to James, '‘According to the news, your president and CFO sold the largest portion of their shares just one month before this case started.’’ ‘‘Yes, you are right,’’ confirmed James slowly. ‘‘Of course, our management expects everything to be all right in accounting,’’ James pointed out strongly. Jill had another opinion about the link between the occurrences. Top management must be aware of the possible ‘‘creative accounting’’ that helped the company to show higher profits. The chair and CFO made significant gains by selling their shares at a good price because other outside investors believed NewCCC Inc. to be in excellent financial condition. The accounting might be misleading. The share price increased while top management possibly presented overly optimistic financial statements. Jill was quiet as she jotted down more notes. This company was the main supplier for the new products in which Success Inc., Jill’s employer, had already invested $50 million. Jill’s colleagues had conducted a quality audit on this company. The result of the quality audit was good—only three nonconformities. Until now, nobody had made a comprehensive analysis of the financial status and management of the company, which could reveal the weak points of the supplier. Jill’s colleagues launched a supplier analysis when NewCCC Inc. had to leave NASDAQ. It was obvious that the warning flags of the company’s financial condition were in place. Should Success Inc. seek another supplier? It would take at least two months to find a new supplier. The project would be delayed, and production would start much later than planned. Success Inc. would lose approximately $100 million. How much would the delay affect Success Inc.’s market share? The risk and the calculated potential loss were high. Jill sipped some cold coffee from her cup in th more

Open Question: NO MORE STOP LOSS ALLOWED IN FOREX !?

A major new National Futures Association (NFA) rule goes into effect on August 1, 2009. This rule affects all U.S. regulated Forex Dealer Members. Forex traders will no longer have the ability to place stop-loss or limit orders. Nor will traders be able to modify or close trades from the “Open Positions” window. As these features will be removed, all stop-loss and limit orders held on FXCM LLC accounts at the close of trading on July 31, 2009, will be deleted. FXCM has always encouraged active risk management through the use of stop-loss and limit orders. Stops and limits are two entry orders that are linked to an individual open position. If a stop or limit order is triggered then the other is canceled. FXCM has introduced a new feature called OCO (One Cancels the Other) entry orders, which will provide traders with the same functionality as stop and limit orders except they are not linked to any position. Watch This Video Presentation To See How To Manage Your Risk Using OCO Entry Orders For additional information, please visit the “NFA FIFO (First in, First Out) Rules” forum on DailyFX. We will be holding live question and answer sessions within the DailyFX forum. Visit Now The NFA, our industry’s self regulatory organization in the United States, has adopted Compliance Rule 2-43(b). Read Compliance Rule 2-43 (b). This rule requires orders be executed First In, First Out (FIFO). FIFO requires that when multiple positions are held in the same currency pair, the position which was first opened will be the first to be closed. Stop-loss and limit orders do not comply with FIFO. The NFA’s stance is that FIFO provides more transparency to customers by offering a more accurate picture of the P/L than viewing the results of individual positions. This brings the forex market more in line with the practices of the futures and equities markets. While FXCM acknowledges the NFA’s concern and obligation to protect clients, FXCM would like to extend an option to those who would like to continue using stop-loss and limit orders, and who understand the underlying implications. Traders can transfer their accounts to Forex Capital Markets Limited (FXCM UK) and continue to place stop-loss and limit orders and maintain the ability to modify and close orders from the “Open Positions” window. If you wish to maintain your current platform functionality, you can trade through FXCM UK, which is regulated by the Financial Services Authority in the UK. Learn More If you wish to transfer your trading account to FXCM UK, please complete the one page form. Account Transfer Form DEADLINE TO COMPLETE TRANSFER FORM: JULY --this could be just the beginning.. can other countries follow as well ? more

Open Question: workplace safety issue?

When an organization learns about a threat that could place the safety of its workers or its customers at risk, is management obligated to immediately inform these parties of the threat? more

Open Question: Risk management / Finance / Investment - York vs Ivey vs Queens vs Rotman?

I have done MA Economics from South Asia. I have a senior management experience of 10-11 years. I would like to study more in the field of Risk Management or Finance. I decided to attend a graduate program from Canada because its worldwide recognised with excellent reputation and very cost effective. I short listed few courses and universities but need to know which are the best program suited for Investment Banking and can give me good long term growth: 1. Master in Financial Economics, University of Toronto 2. Master in Finance, York University 3. MBA in Finance, York University 4. MBA in Finance, University of Western Ontario 5. MBA in Finance, Queens University Your suggestions and opinion matters alot to take a decision. more

Resolved Question: what do you think of the 2nd chapter of my story?

2. Happy birthday to me. Bitter sixteen finally accomplished! I glanced at the bedside clock. It was eight forty five. I stretched and got off the bed. Did I feel any different? No, but I certainly looked different. I walked to the bathroom, and brushed my teeth. I walked down to breakfast. Dad was reading the paper and mom was pouring milk into a mug. They sensed me enter the kitchen. Dad started to say, “Happy birth -” and then he looked up. His lower jaw reached his chest. It was comical to watch, really. “What is it, Roy?” my mother asked, hearing him cut off. She put down her spoon she was stirring her coffee with and turned to face him. Good thing my mother has such a strong hands, or else the pretty little mug would have smashed to the floor. She was a taek-won-do champion in her school and college days. “What did you do your hair, Sharon?” she sounded hysterical. A piece of chewed cornflake fell out from dad’s mouth and fell into his bowl with a little plop. “Dyed it,” I said in a small voice. Shit, I knew I should have ear plugs with me. The next thing I knew was that dad was exiting the kitchen real fast, I had my hands over my ears, and my mother was screaming her lungs out. “Dyed it! Goddamnit! Who said you could dye it? You look ugly – oh yes, missy UGLY – with that colour. Roy! Why don’t you say something to her?” “What am I supposed to say, anyway?” dad asked with a puzzled expression. “You are a useless object!” mom yelled. “Sharon. You are grounded.” How I hate these three words. “No, I am not,” I shot back. “Not for this weekend. I’ve got loads of work to do.” Ma turned purple. “Answer me back again, and I will get you off that stupid job of waitress in that damned restaurant,” she snarled. Then she took a deep breath. Maybe that idea of dad’s of anger management classes was not a complete waste. “Okay, let’s do this coolly.” Coolly? “All right,” mom took another deep breath. “Give me one good reason why you dyed your hair. And I hope you did not use any cheap dye.” “It’s Revlon,” I said, running a hand over my head. “All right. The reason is that I like wearing black clothes. Blonde hair does not go with black clothes. So I dyed my hair black. Simple.” “Why is this sudden fad of wearing black clothes?” mom asked. “What has come over you? Until last week you used to wear normal, coloured clothes. Then suddenly your closets are bursting with black clothes. It’s like you are turning Goth or emo or whatever the shit your generation is inventing these days.” Goth? Emo? Wherever did she get those words? Wow, mom was finally keeping up with the times. About the last week thing, I would be still wearing coloured clothes and would still have been a dumb blond if my boyfriend (ex) had not made a total ass out of me. Of course I could not say any of those things loud unless I wanted my teeth bashed in. Ma holds a black belt. “Black clothes look better on me,” I said, shrugging. “Coloured clothes are boring. Black contrasts with my skin tone.” Mom raised an eyebrow. “Really?” she said sceptically. “Okay, whatever. If you want to ruin your hair, go ahead. I won’t stop you.” It was my turn to gape now. Wow, this was news. “Are you serious?” Mom shrugged. “It’s your hair.” I turned to look at dad. He was looking as surprised as I was. Thankful to be let off, I grabbed a bowl of cereal and raced to the living room to eat it. Dad sat beside me. “Thanks,” he held out a hundred dollar bill. What for? Hello, whatever happened to my parents? Did they have brain transplants overnight? I looked at him disbelievingly. “What for?” I asked him. “For distracting her,” he replied with a grin. “She was yelling at me for washing my hands at the kitchen sink after jogging until you came.” “A hundred bucks? It’s too much,” I shook my head. Though I was really tempted to snatch it out of his hands, I had to clear it out. Maybe he wanted me to do something? “Do you – do you want me to do something for you or what?” Dad shook his head. “I know how hard you are working for the Ducati. Here’s my donation,” he said, pressing the note in my hands. “Keep it. You deserve it, for the hard work and for distracting Jamie.” I laughed, and pocketed the money. I just had saved four thousand dollars until now. There was another ten thousand to go. I bet I will get that Ducati once I get a job, because getting it during school years is impossible. Streetfighter S is really expensive. I put the money back in my wallet, and then put the wallet in my dresser. No risk of losing it. “Sharon! Phone for you!” dad screamed. Dad probably carried the cordless handset downstairs. Most sixteen year olds have a cell phone. No, correction: all sixteen year olds have cell phones except me. Not that my parents don’t want to give me one. It’s just that I don’t want one. As long as you don’t have a cell phone, you are free. No calls from the parents, yelling “Where the hell are you? Come home right now!” or “Hon“Honey, I have been calling you for hours. You are not answering. What happened?” “Who is it?” I asked as I took the handset. “Candace.” “HAPPY BIRTHDAY!!!!!!!!!!!!!” she said the words so loudly that I had to hold the phone a foot away from my ear. I am sure one of my eardrums has been damaged. “Thanks for calling, Cyborg,” I said dryly. “You finally remembered.” “Can you come over? Jason, Haley and Max are here. We are having a lot of fun,” she said. “Wait – your mom is not mad about the hair, is she?” We are having a lot of fun. Thanks for reminding me, Cyborg. “You’ve hit the right nail on your head,” I said grimly. “I am grounded for the weekend.” “What?” Candace emphasised the word. “No shitting, girl. Tell your mother it’s your birthday. Does she remember or not?” “No, you are not,” dad said. “I am un-grounding you. It’s your birthday. You deserve to have some fun. You go out with Candace.” “Really?” I was certain he was joking. Dad was scared of mom. more

Open Question: Are people helped to think correctly by being exposed to good quality documents ?

I saw this document. (See below). I like it. I submit it as an example of a good quality document. Then I wondered. If people in a workplace AREN'T exposed to good quality documents, how do they learn to think ? Won't their skills atrophy ? <<(from the newspaper "The Weekend Australian" June 27-28 2009, page 15) Parliament of South Australia Natural Resources Committee Inquiry into bushfires Pursuant to section 16(1)(a) of the Parliamentary Committees Act 1991, the Committee is inquiring into bushfires. Of particular interest are the following issues as they relate to high bushfire risk areas: 1. Awareness of residents 2. Adequacy of hazard reduction (controlled burns, clearance on both private and public land etc) 3. Management of native vegetation 4. Capacity of state and local government to provide bushfire early warnings and updates 5. Preparedness of communities and individuals to respond to and survive bushfires 6. Decision to ‘stay or go’ in event of bushfires 7. Adequacy of building codes etc to guide development 8. Any other related matter. The Committee is seeking written submissions and/or expressions of interest to appear before the Committee on this inquiry from interested individuals or organizations by 29 August 2009. Submissions and enquiries should be directed to: Executive Officer Natural Resources Committee GPO Box 572 ADELAIDE SA 5001 Phone (08) 8237 9475 Fax (08) 8231 9130 Email: nrc.assembly@parliament.sa.gov.au>> more

Resolved Question: where I can find free java source code in - Access contol?

where I can find free java source code in - Access contol and risk management. more

Resolved Question: what are the fundamental risk management technique?

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Open Question: what are the carrer options after bcom?

i have completed bcom (2nd class) then i worked in my uncle's trading business for few months. later i joined a course in insurance and risk management for a specialization in osmania university but got a job in thomson reuters legal division as a publishing specialist ( just joined). this is my background as of now. but i always n still want to start a business of my own and iam a bit confused of how to reach my goal? also thinking of pursuing mba abroad? is this the best option or can i club legal n insurance professionally? please advice?i've already tried CA n cannot go back pursuing it again. however i've done a pg diploma in insurance and risk management from osmania university. and have got a job in thomson reuters legal publishing. so my question is how can i club law with insurance and go proffessional or is mba the best option? more

Resolved Question: Should we have listened to Ron Paul back in 2003?

http://www.lewrockwell.com/paul/paul128.html Mr. Chairman, thank you for holding this hearing on the Treasury Department's views regarding government sponsored enterprises (GSEs). I would also like to thank Secretaries Snow and Martinez for taking time out of their busy schedules to appear before the committee. I hope this committee spends some time examining the special privileges provided to GSEs by the federal government. According to the Congressional Budget Office, the housing-related GSEs received $13.6 billion worth of indirect federal subsidies in fiscal year 2000 alone. Today, I will introduce the Free Housing Market Enhancement Act, which removes government subsidies from the Federal National Mortgage Association (Fannie Mae), the Federal Home Loan Mortgage Corporation (Freddie Mac), and the National Home Loan Bank Board. One of the major government privileges granted to GSEs is a line of credit with the United States Treasury. According to some estimates, the line of credit may be worth over $2 billion. This explicit promise by the Treasury to bail out GSEs in times of economic difficulty helps the GSEs attract investors who are willing to settle for lower yields than they would demand in the absence of the subsidy. Thus, the line of credit distorts the allocation of capital. More importantly, the line of credit is a promise on behalf of the government to engage in a huge unconstitutional and immoral income transfer from working Americans to holders of GSE debt. The Free Housing Market Enhancement Act also repeals the explicit grant of legal authority given to the Federal Reserve to purchase GSE debt. GSEs are the only institutions besides the United States Treasury granted explicit statutory authority to monetize their debt through the Federal Reserve. This provision gives the GSEs a source of liquidity unavailable to their competitors. The connection between the GSEs and the government helps isolate the GSE management from market discipline. This isolation from market discipline is the root cause of the recent reports of mismanagement occurring at Fannie and Freddie. After all, if Fannie and Freddie were not underwritten by the federal government, investors would demand Fannie and Freddie provide assurance that they follow accepted management and accounting practices. Ironically, by transferring the risk of a widespread mortgage default, the government increases the likelihood of a painful crash in the housing market. This is because the special privileges granted to Fannie and Freddie have distorted the housing market by allowing them to attract capital they could not attract under pure market conditions. As a result, capital is diverted from its most productive use into housing. This reduces the efficacy of the entire market and thus reduces the standard of living of all Americans. Despite the long-term damage to the economy inflicted by the government's interference in the housing market, the government's policy of diverting capital to other uses creates a short-term boom in housing. Like all artificially-created bubbles, the boom in housing prices cannot last forever. When housing prices fall, homeowners will experience difficulty as their equity is wiped out. Furthermore, the holders of the mortgage debt will also have a loss. These losses will be greater than they would have otherwise been had government policy not actively encouraged over-investment in housing. Perhaps the Federal Reserve can stave off the day of reckoning by purchasing GSE debt and pumping liquidity into the housing market, but this cannot hold off the inevitable drop in the housing market forever. In fact, postponing the necessary, but painful market corrections will only deepen the inevitable fall. The more people invested in the market, the greater the effects across the economy when the bubble bursts. No less an authority than Federal Reserve Chairman Alan Greenspan has expressed concern that government subsidies provided to GSEs make investors underestimate the risk of investing in Fannie Mae and Freddie Mac. Mr. Chairman, I would like to once again thank the Financial Services Committee for holding this hearing. I would also like to thank Secretaries Snow and Martinez for their presence here today. I hope today's hearing sheds light on how special privileges granted to GSEs distort the housing market and endanger American taxpayers. Congress should act to remove taxpayer support from the housing GSEs before the bubble bursts and taxpayers are once again forced to bail out investors who were misled by foolish government interference in the market. I therefore hope this committee will soon stand up for American taxpayers and investors by acting on my Free Housing Market Enhancement Act.Yes, I knew before I asked that some will divert from the fact that Ron Paul is right with things like "It's a cut and paste", or "he's a nutjob", etc. Why do you people bother answering at all? more

Resolved Question: How would you rate my resume?

I'm applying for a part-time adjunct faculty position (part-time professor) in Information Technology. The job posting says "bachelor's degree required, master's preferred." I've worked at this school before as a Computer lab assistant. How would you rate my resume? What changes would you make to it? Professional Profile Organized Business Professional with experience working in educational, business, and technology settings. Strong knowledge of Microsoft Office Suite with an average typing speed of approximately 80 words per minute. Proficient in word-processing, presentation software, Internet, e-mail, and CompTIA A+. Proven strengths in completing work efficiently in a fast-paced environment. Strong problem-solving skills, utilizing acquired education and experience in to help others. Dedicated, efficient, team-player who is dependable and responsible. Work Experience Computer Lab Assistant 2007-2009 Cuyahoga Community College Highland Hills, Ohio •Taught students how to operate Microsoft computer programs including Word, Excel, PowerPoint, Access, and Publisher. •Addressed students’ needs and concerns in the Technology Learning Center, including printing, class registration, and email, among a large variety of functions. •Expanded scope of knowledge using ATC technology to make presentations in a classroom setting. •Enforced courteous behavior in the Technology Learning Center. •Assisted students who speak English as a second language with their grammar. •Encouraged diversity in an educational setting. I.T. Developer/Testing Coordinator 2005-2007 Think-A-Move Beachwood, Ohio •Conducted extensive research and development. •Designed and implemented customer call-center support procedures and customer network design strategy for sales and marketing teams. •Developed highly effective software management application to enable risk-free software upgrades •Maintained an Information Technology database •Assisted engineers with the development of wheelchair technology •Conducted experiments and recorded data •Provided the technological knowledge and vision to support the company’s business objectives, and evaluated all software for business processes. Technology Internship 2003-2005 Rockwell Automation Mayfield Heights, Ohio •Assisted engineers with commercial marketing projects. •Expanded knowledge of trouble-shooting software. •Maintained a large series of organized invoices. Education Cleveland State University 2009 Cleveland, Ohio Bachelor of Business Management •Bachelor’s Degree completed •Currently pursuing MBA, projected graduation in Spring 2010. more

Resolved Question: Could the "shotgun wedding" of Merril Lynch and BoA have been a blessing in disguise?

http://www.bloomberg.com/apps/news?pid=20601087&sid=a.iry_6hC88s June 26 (Bloomberg) -- Chairman Ben S. Bernanke’s grilling by legislators over Federal Reserve conduct in Bank of America Corp.’s takeover of Merrill Lynch & Co. may reduce the odds the central bank will win new powers in a regulatory overhaul. Bernanke failed to resolve some lawmakers’ questions on whether the Fed bullied executives and stepped over other regulators in the name of financial stability in a three-hour congressional hearing yesterday. Republicans asserted the Fed interfered with commercial decisions, and Democrats said it should have wrung more concessions in return for taxpayer aid. Criticisms by members of both parties are likely to diminish support for the Obama administration’s plan to make the Fed the single agency responsible for the largest and most interconnected financial institutions. The proposal, part of a broad revamp of bank regulation, would give the Fed power to dictate standards on capital, liquidity and risk management. more

Resolved Question: Really need help with this test!!!?

Just put the number with the answer.. 1. Maximization of shareholders wealth is a concept in which a. Profits are maximizes on a quaterly basis b. Optimally increasing the long-term value of the firm is emphasized c. Virtually all earnings are paid as dividens to common stockhplders d. Increased earnins is of primary importance 2. What is the primary goal of financial management? a. Maximazing cash flow b. Minimazing the risk of the firm c. Maximazing shareholder wealth d. Increased earnings 3. Corporate governance is the a. Relationship between the chief financial officer and institutional investors b. governance of the company by the board of directors with the focus on social responsibility c. Operation of a company by the chief executive officer (CEO) and the senior executives on the management team d. Relationship and the exercise of the oversight by the board of directors of the company Which account represents the cumulative earnings of the firm since its formation, minus dividends paid? A. Retained earnings B. Accumulated depreciation C. Paid-in capital D. Common stock 5) An increase in investments in long-term securities will: A. increase cash flow from financing activities. B. decrease cash flow from financing activities. C. increase cash flow from investing activities. D. decrease cash flow from investing activities. 6) Which of the following would represent a use of funds and, indirectly, a reduction in cash balances? A. an increase in accounts payable B. the sale of new bonds by the firm C. an increase in inventories D. a decrease in marketable securities 7) If a firm has both interest expense and lease payments, A. times interest earned will be the same as fixed charge coverage. B. fixed charge coverage cannot be computed. C. times interest earned will be smaller than fixed charge coverage. D. times interest earned will be greater than fixed charge coverage. 8) A quick ratio that is much smaller than the current ratio reflects A. that the firm will have a high inventory turnover. B. that the firm will have a high return on assets. C. a small portion of current assets is in inventory. D. a large portion of current assets is in inventory. 9) Which of the following is not considered to be a profitability ratio? A. return on equity B. return on assets (investment) C. profit margin D. times interest earned 10. Refer to the figure above. The firm’s debt to asset ratio is: a. 25% b. 33% c. 48% d.58% 11) A firm's long term assets = $75,000, total assets = $200,000, inventory = $25,000 and current liabilities = $50,000. A. current ratio = 1.5; quick ratio = 2.0 B. current ratio = 1.0; quick ratio = 2.0 C. current ratio = 2.5; quick ratio = 2.0 D. current ratio = 0.5; quick ratio = 1.5 12) A firm has current assets of $75,000 and total assets of $375,000. The firm's sales are $900,000. The firm's fixed asset turnover is A. 2.4x B. 12.0x C. 5.0x D. 3.0x 13) In general, the larger the portion of a firm's sales that are on credit, the A. more rapidly credit sales will be paid off. B. higher will be the firm's need to borrow. C. more the firm can buy raw materials on credit. D. lower will be the firm's need to borrow. 14) In financial statements, the number of units shown in cost of goods sold as compared to the number of the units actually produced A. is the same. B. is lower. C. can be either higher or lower. D. is higher. 15) In the percent-of-sales method, an increase in dividends A. has no effect on required new funds. B. will decrease required new funds. C. more information is needed. D. will increase required new funds. 6) The difference between total receipts and total payments is referred to as A. net cash flow. B. beginning cash flow. C. cash balance. D. cumulative cash flow. 17) In developing the pro forma income statement we follow four important steps: 1) compute other expenses, 2) determine a production schedule, 3) establish a sales projection, 4) determine profit by completing the actual pro forma statement. What is the correct order for these four steps? A. 2,1,3,4 B. 3,2,4,1 more

Resolved Question: Help with this math question please !! :(?

A private investment club has $200,000 earmarked for investment in stocks. To arrive at an aceeptable overall level of risk, the stocks that management is considering have been classified into 3 categories: high-risk, medium-risk and low-risk. Management estimates that high risk stocks will have a rate of return of 15%/year; medium risk stocks 10%/year and low risk stocks 6%/year. The memebers have decided that the investment in low risk stocks should be equal to the sum of the investments in the stocks of other two categories. Determine how much the club should invest in each type of stock if the investment goal is to have a return of $20,000/year on the total investment (Assume all the money available for investment is invested) more

Resolved Question: The main trends in Securitization?

Which of the following is not one of the main trends in securitization? a) increased demand for liquidity b) increased demand for information-sensitive securities c) increased demand for information-insensitive securities d) management of prepayment risk e) none of the above more

Resolved Question: If I have 10000 that I do not need for many years, how can I invest it? I am completely new to investing.?

If I go to an investment management company, will I end up loosing money? What all costs/fees I should be worried about? I do not mind high risk but I would prefer somewhere between mid to high risk. more

Resolved Question: What is enterprise risk management?

 more

Voting Question: What job can i get with a Cert 4 in security and risk management?

 more

Resolved Question: what kind of job can you get with a degree in Risk Management/Insurance. good?

 more

Voting Question: Should I major in what I want, or something more practical?

My dream is to graduate with a double major in Media Production and English and open up a film production company. However, I realize that opening a business is a major risk, even more so in this economy. I'm not rich, so I'd have to take out loans to fund the company and if the company fails, I'm basically SOL. Plus, degrees in English and Media Production aren't very marketable. I'm considering some majors such as Clinical Lab Science, Secondary English Education, Computer Science, Nursing, and Construction Management. These majors are MUCH more likely to land me a good paying job. However, most of these are more science/math related or at least require a lot of it and I hate math. Science I can deal with depending on the subject. But I'm more of a humanities/arts/creative type of person so I'm afraid these majors, though they will give me good money, are something I'd get burnt out on and I don't want to spend my life doing what I hate. What do you think? Stick with the major I'm passionate about even though it won't get me a job, or do a major that I'm not as interested in but will make me money? more

Resolved Question: Is it a myth that the federal reserve does not get audited?

http://www.publiceye.org/conspire/flaherty/flaherty6.html An often repeated Federal Reserve conspiracy theory is that the Fed has never been audited. “Every year Congress introduces legislation to audit the FED,” wrote Thomas Schauf, “and every year it is defeated.”7 Why? Conspiracy theorists such as Schauf, Gary Kah (1991), and Pat Robertson (1994) say the reason is that the Fed is involved in an international plot to subvert U.S. sovereignty and create a one-world government. Naturally, the Fed will not permit Congress to audit its activities, lest it discover this treasonous plan and shut it down. How much truth is there to this claim? Has the Fed ever been audited by Congress or anyone else? The Fed controls U.S. monetary policy and can act with a great deal of independence from Congress and the executive branch. Clearly, such awesome power requires some sort of regular public oversight at the very least to insure that the Fed is doing its job efficiently and effectively, and to detect any abuses of power or fraud. This essay explores the claim that the Fed has never been audited and finds that it is completely false. A Brief History of Federal Reserve Audits Since its inception in 1913 the Federal Reserve System has been subjected to a variety of financial and performance audits by Congress, the executive branch, and private accounting firms, although responsibility for this task has shifted from time to time. From 1913 to 1921 the Board of Governors, then known as the Federal Reserve Board which sets monetary policy and regulates the activities of the Federal Reserve Banks, was audited annually by the U.S. Treasury Department. In 1921 Congress created the Government Accounting Office (GAO) and assigned it to audit the Board until 1933. In the Banking Act of 1933, Congress voted specifically to remove the Board from the GAO’s jurisdiction. From 1933 to 1952 audit teams from the twelve Federal Reserve Banks performed the annual examination of the BOG’s books. From 1952 to 1978, the Board, under authorization from Congress, decided to employ nationally recognize accounting firms to conduct the audits of itself to insure independent oversight. This provided an external evaluation of the adequacy and effectiveness of the examination procedures.1 In 1978 Congress passed the Federal Banking Agency Audit Act (31 USCA §714). It placed the Federal Reserve System back under the auditing authority of the GAO. The Act significantly increased the access of the GAO to the Federal Reserve Banks, the Board, and the Federal Open Market Committee (the FOMC). Since then, the GAO has conducted over 100 financial audits and performance audits of the three Federal Reserve bodies.3 Scope of GAO Audits Some of the more important GAO performance audits of the Fed have been in the areas of bank supervision, payment systems activities, and government securities activities. In the first area, the GAO examined how well the Fed was enforcing its regulatory powers over its member banks. In 1992 it drew attention to the Fed’s sluggish compliance with regulatory reforms mandated by the Foreign Bank Supervision Act of 1991. In examining the Fed’s payment system activities, the GAO made the Fed aware of how its pricing policies for such services as check-clearing affected private suppliers of check-clearing services, and also suggested ways to speed up the process of check collections. Security markets for government debt is a crucial market, and GAO performance audits of the Fed have lead to more openness in the primary dealer system, particularly concerning the disclosure of price information. The GAO is also involved in several ongoing performance audits of the Fed such as analysis of risks and benefits of interstate banking, regulation of derivatives, and the budget of the Federal Reserve system.2 Audits By Private Accounting Firms Financial audits of the Fed are also conducted regularly. Each Reserve Bank is audited every year by independent General Auditors who report directly to the Board of Governors. These examinations involve financial statement audits and reviews on the effectiveness of financial controls. Each Reserve Bank also has its own internal audit mechanisms. The Board contracts each year with an outside accounting firm to evaluate the audit program’s effectiveness. Price Waterhouse conducted an audit of the Board’s 1994, 1995, 1996, 1997, and 1998 financial statements and filed this report in the Board’s 1996 Annual Report (nearly identical ones appear in other Annual Reports): We have audited the accompanying balance sheets of the Board of Governors of the Federal Reserve System (the Board) as of December 31, 1995 and 1994, and the related statements of revenues and expenses for the years then ended. These financial statements are the responsibility of the Board’s management. Our responsibility is to express an opinion on these financial statements based on our audits. We conducted our auI NEVER CLAIMED TO BE AN AUTHORITY STEVEN C, THIS IS SOMETHING I COPIED AND PASTED, THE IRONY OF YOUR RESPONSE IS YOUR COPY AND PASTED LINK ON YOUR RESPONSE LOL..SO YOUR THE AUTHORITY LOL...SURE YA RY.... If you had some idea of which you speak I might find your argument worthwhile, but to read one blog hardly makes you an authority on the FED if you really knew what was going on with the FED you would know that what you "copy and paste" is nonsense. It has been noted by many Institutes of knowledge that if the people were to find out what the FED was up to there would be a bloody revolution tomorrow. Source(s): "The regional Federal Reserve banks are not government agencies. ...but are independent, privately owned and locally controlled corporations." -- Lewis vs. United States, 680 F. 2d 1239 9th Circuit 1982 9 hours ago more

Voting Question: why is it important to link risk plans with other organisational plans?

I have just started to study Risk management and applications....if anyone know this question or has an opinion would really appreciate the help :) more

Voting Question: Which job should I take??

I have received 2 job offers (YEAH!) I don't know which to take. I am a recent college grad, business, finance, banking, risk management majors. Job#1 at a major bank, $30,000/year, match dollar for dollar 401K, medical/dental insurance (I pay), sales, bonus on sales, cubical all day, Mon - Friday. Job #2 landscape business, for large businesses, $22,500/year, no 401K, medical/dental insurance (I pay), sales, comm. on sales, travel paid, I love being outside, some weekends. What do I do? more

Voting Question: Do you think feminists are pushing it to the limits?

I was just reading May issue of Time magazine and there is an article by Claire Shipman and Katty Kay. The article heading is “Women will Rule Business”. It refers to the study conducted by Cambridge and Pittsburgh University (No specifics about what exactly the research was about has been given, as usual). The article says because women take less risk and long term view they will “Rule” the business in coming decade. The authors also claim that because women get majority of college and advance degrees (no source of this claim is provided) they will fill the talent shortage that will occur in next decade. Authors also claim that 83% of consumer purchases are controlled by women including electronics, healthcare and cars (again, no source is provided) and hence women will rule the business in coming decade. My question is: Is this stretched too much? Do you see women (girl friends or mothers) telling what cell phones, iPods, laptops, music systems to purchase to young men? Do women choose cars for men? If women get most of the advanced degrees why do I see so many men in my University? Isn’t risk taking depend on individuals and some of the safest companies today have men working at higher management? Is it good not to take risk at all? Do you think this kind of bragging by feminists will bring unwillingness on the part of men to cooperate with women at the work place? Is this article not sexism? Or is it ok if sexist are women?Well, Jen thanks for the answer but in that case how many dads in the world tells their daughters what cell phones to buy, what computers to buy and what not. I have heard most of my professors telling some or the other times that he bought such and such laptop for his daughter but his doter wanted something else……… more

Resolved Question: Can somebody help me with my sons History Homework?

I need help my son is asking me for help but I do not know the answers and im trying to sound smart for him can somebody please help me? 25.) _____ is the act of converting a publicly operated enterprise into a privately owned and operated entity. Shares formerly owned by the government, as well as management control, are sold to the public. Specialization Merging Monopolizing Privatization 26.) Approximately ____ of all above-ground gold is held in reserves by central banks. 10% 25% 50% 85% 27.) The Industrial Revolution began in Europe in the _______________, and it quickly spread to the United States. late 19th and early 20th centuries late 18th and early 19th centuries late 17th and early 18th centuries mid 20th century 28.) The "Gilded Age" of the second half of the 19th century was the epoch of: gilds. mergers. tycoons. automobiles. 29.) A person who takes the risk of organizing and operating a new business venture is called a: tycoon. sole proprietor. entrepreneur. corporation. 30.) What did America experience in the 1920's? An economic boom An economic bust A long bull market A long bear market 31.) October 24, 1929, the day when 13 million shares were sold is now known as: Black Monday Black Tuesday Black Thursday Black Friday 32.) In America, during the _____, the number of workers providing services grew until it equaled and then surpassed the number who produced goods. 1930s 1950s 1970s 1990s 33.) Stagflation is a situation in which a nation's economy is characterized by relatively: high price inflation and low rates of economic growth. low price inflation and high rates of unemployment. high rates of economic growth and low price inflation. low unemployment rates and high rates of economic growth. 34.) Communism is an economic theory which stresses that the control of the means of producing economic goods in a society should reside in the hands of those who: have the biggest economic advantage. invest their labor for production. have the most education. are elected to office by the public. 35.) In a typical ________ arrangement, a successful company authorizes an individual or small group of entrepreneurs to use its name and products in exchange for a percentage of the sales revenue. wholesale franchising marketing corporate 36.) Which of the following does not form a true statement by correctly completing the sentence? Large businesses are important to the overall economy because they are better equipped to: conduct research and develop new goods. offer more varied job opportunities and greater job stability. offer higher wages and better health and retirement benefits. provide the goods and services wanted by the surrounding community. 37.) In general, government antitrust officials see a threat of monopoly power when a company gains control of ________ of the market for a commodity or service. 25% 30% 66.6% 90% 38.) Which of the following is not one of the roles of the Environmental Protection Agency (EPA)? sets and enforces tolerable limits of pollution cleans up polluted streams, rivers, and marshes establishes timetables to bring polluters into line with standards has the authority to coordinate and support research and anti-pollution efforts 39.) Which of the following are not practiced market strategies? Buying on margin Selling short Selling long Options 40.) ________ is an economic policy or doctrine that opposes government interference in or regulation of business or commerce beyond what is necessary for a free-enterprise system to regulate itself. Communism Laissez-faire Fiscal policy Free-enterprise policy 41.) Which of the following is not a method that corporations use to raise capital? issuing bonds or preferred stock selling common stock borrowing and using profits selling goods and services directly to the public 42.) Monetary base is defined as: currency in circulation. currency in circulation plus foreign debts owed. currency in circulation plus banks' required and excess deposits at the central bank. bank's required and excess deposits at the central bank. 43.) A policy is referred to as _______ if it reduces the size of the money supply or raises the interest rate. An _______ policy increases the size of the money supply, or decreases the interest rate. contractionary, expansionary expansionary, contractionary fiscal, monetary monetary, fiscal 44.) Governments spend money on a wide variety of things. Which of the following is not a way in which these expenditures can be funded? Taxation of the population Seignorage, the benefit from printing mone more

Resolved Question: Who want to invest in FOREX bussiness?

No Tax, Profit can liquid everyday, Risk Management. Profit 10 - 15 % per month, Professional Trader, Registered in BAPPEBTI. (INDONESIA / JAVA ISLAND preferred) more

Resolved Question: What to do when an employer will not pay overtime for a "salary non-exempt" employee?

I am classified as "salary non-exempt" at my company. My employer refuses to pay overtime, yet expects me to work 50-60 hours a week. Most everyone else at the company is "salary exempt," so they don't get overtime, and I am getting pressure from management to work extra hours without pay even though the law says I should receive overtime after 40 hours/week. I typically already work 50-60 hours a week despite not getting overtime because I want to work hard. How do I fix this without risking losing my job?I am positive that "non-exempt" gets overtime pay.It is salary non-exempt. I work in California (San Bernadino) and this is what it says on my pay stub. more

Voting Question: How do I summarise this article?

I don't understand its too tough for me to summarise. This is my first time to summarise such article. Can you help me out? Source from FT-financial times FT REPORT - FUND MANAGEMENT Real risks in reversing money supply By Edward Chancellor 737 words 4 May 2009 Financial Times Surveys FNM1 24 English (c) 2009 The Financial Times Limited. All rights reserved The recovery in the world's stock markets has coincided with a bold monetary experiment. The aim of quantitative easing is to offset deflationary forces and free up credit markets. There's a risk, however, that any gains enjoyed by investors today may be reversed when central banks remove the excess liquidity created by current emergency measures. Past attempts to soak up liquidity have produced varying degrees of pain. Quantitative easing involves a forced increase in the money supply by the central banks. Investment strategists in the US and elsewhere have generally applauded this policy. Bonds should benefit from the appearance of a large price-insensitive purchaser, they say. Equities will gain as corporate financing costs decline. Although US and UK government bonds have reversed some of their initial gains since quantitative easing was announced in early March, global stock markets have soared. Credit spreads on the riskiest corporate bonds have declined and the market for new high yield issues has reopened. Morgan Stanley notes that money supply is growing in countries that are implementing quantitative easing - a sign that the policy is gaining traction. Everyone accepts that at some stage central banks will have to reverse this monetary experiment. Otherwise, excess bank reserves will fuel inflation. Goldman Sachs economists argue that owing to the great slack in the global economy there will be no need to remove quantitative easing for several years. Besides, when the time comes to take away the monetary punchbowl, the Federal Reserve can simply allow many of the securities sitting on its balance sheet to mature and be paid off. However, the central banks have recently been acquiring bonds with longer maturities. Any sudden attempt to remove excess liquidity by off-loading these bonds could roil the markets. If bond yields spiked higher, then heavily-indebted governments will see their fiscal position deteriorate rapidly. In short, there is a danger that the apparent gains from quantitative easing will be reversed when the policy is removed. Two historical episodes suggest these concerns should be taken seriously. In the three years following the arrival of Franklin Roosevelt in Washington, US banks acquired large amounts of government bonds. Wary of lending to the private sector, banks accumulated vast excess reserves. By July 1936, these reserves had climbed to 18 per cent of deposits, nearly double the legal minimum. By that date, deflation had abated and the US economy had recovered from the ravages of depression. Unemployment had halved from its peak and stocks were up more than threefold from their June 1932 low. However, wage rates were climbing rapidly. In the summer of 1936, the Fed decided to head off inflation. Over the following year, the banks' minimum reserve ratio was doubled. It was believed that raising reserves would have little impact on the economy since banks would not have to sell their bond holdings and the provision of credit to the private sector would be unimpaired. The outcome was rather different than expected. Banks responded to higher reserve requirements by reducing their lending and holding fewer bonds. Spreads on riskier corporate bonds doubled. In the 12 months after December 1936, the money supply contracted by 6 per cent. During this "depression within a depression," unemployment climbed back to 20 per cent, manufacturing collapsed, deflation reappeared and the stock market halved in value. The Bank of Japan introduced quantitative easing in March 2001 and continued the policy for five years. During this period, excess reserves in the Japanese banking system climbed to Y25,000bn (£174bn, €194bn, $258bn). When the time came to remove this liquidity, the authorities feared a dramatic sell-off of government bonds, according to economist Andrew Hunt. A sudden rise in long-term rates threatened to derail the government's finances. To reduce this risk, the fiscal deficit, equivalent to 6 per cent of GDP at the time, was forced back to surplus. Domestic demand softened markedly, while the removal of liquidity in Japan coincided with turmoil in the global financial markets in the early summer of 2006. Most investors would consider Japan's discomfort a small price to pay for the quantitative easing experiment. However, the US depression of 1937 suggests central banks will be wary when it comes reversing this policy. Edward Chancellor is a member of GMO's asset allocation team more

Voting Question: Isn't the point of insurance to INSURE you during a time of crises?? (WTF is AIG doing??)?

I thought we bailed out AIG so the company wouldn't fold and leave people without their insurance. WTF?? http://finance.yahoo.com/insurance/article/107188/aig-balks-at-Claims-from-jet-ditching-in-hudson For the first couple of days after his flight ditched into the Hudson River, Paul Jorgenson was just glad to be alive. But then he started to need his laptop, his wallet, his car keys -- all the essentials he had stowed under his seat and left behind in the sinking plane. A pleasant woman at US Airways told him not to worry; he would be made whole for his losses. But then the matter shifted to US Airways' insurer, the American International Group, operating under government stewardship since its bailout last fall. "Everything went downhill," said Mr. Jorgenson, a software executive in Charlotte, N.C., whose laptop and keys have not been recovered......"Insurance companies try to protect their assets, obviously," said Bruce D. Chadbourne, a co-author of the book, "Introduction to Aviation Insurance and Risk Management," and a professor in the business school at Embry Riddle Aeronautical University in Daytona Beach, Fla. With the airline wearing a halo, A.I.G. "is going to play hardball."................Ms. Sosa said Sophia "remembers everything. I just want her to walk away from this knowing that we did everything we could to make it make sense." A.I.G. agents have told her that for therapy she should use her own health insurance, but it has a $3,000 deductible for mental health care. "Why should we be paying out of pocket?" she said. "That's why they're there. They're the insurer." more

Resolved Question: which of these surprises you? and why?

I'm just curious. •Adults 18 and older need 30 minutes of physical activity on five or more days a week to be healthy; children and teens need 60 minutes of activity a day for their health. •Significant health benefits can be obtained by including a moderate amount of physical activity (e.g., 30 minutes of brisk walking or raking leaves, 15 minutes of running, 45 minutes of playing volleyball). Additional health benefits can be gained through greater amounts of physical activity. •Thirty to sixty minutes of activity broken into smaller segments of 10 or 15 minutes throughout the day has significant health benefits. •Heart disease is the leading cause of death among men and women in the United States. Physically inactive people are twice as likely to develop coronary heart disease as regularly active people. •37% of adults report they are not physically active. Only 3 in 10 adults get the recommended amount of physical activity. •Poor diet and inactivity can lead to overweight/obesity. Persons who are overweight or obese are at increased risk for high blood pressure, type 2 diabetes, coronary heart disease, stroke, gallbladder disease, osteoarthritis, sleep apnea, respiratory problems and some types of cancer. •41 million Americans are estimated to have pre-diabetes. Most people with pre-diabetes develop type 2 diabetes within 10 years, unless they make changes to their diet and physical activity that results in a loss of about 5-7 percent of their body weight. •Obesity continues to climb among American adults. Nearly 60 million Americans are obese. More than 108 million adults are either obese or overweight. That means roughly 3 out of 5 Americans carry an unhealthy amount of excess weight. •The percentage of adults in the United States who were overweight or obese (body mass index greater than or equal to 25) in 1999-2002 was 65 percent. Overweight and obesity cuts across all ages, racial and ethnic groups, and both genders. A new study in the Netherlands found that excess weight cuts years off your life. •16 percent of children and teens aged 6 to 19 were overweight in 1999-2002, triple the proportion in 1980. Fifteen-percent of children in the same age group are considered at-risk for overweight. The percentage of overweight African American, Hispanic, and Native American children is about 20%. •More than 10 percent of children between the ages of 2 and 5 are overweight, double the proportion since 1980. •Health risks associated with being overweight or obese include type 2 diabetes, high blood pressure, high cholesterol, asthma, arthritis. •The major barriers most people face when trying to increase physical activity are time, access to convenient facilities, and safe environments in which to be active. •School and worksite interventions have been shown to be successful in increasing physical activity levels. •Physical activity among children and adolescents is important because of the related health benefits (cardio-respiratory function, blood pressure control, weight management, cognitive and emotional benefits). •According to a study done by the National Association of Sports and Physical Education (NASPE), infants, toddlers, and pre-schoolers should engage in at least 60 minutes of physical activity daily and should not be sedentary for more than 60 minutes at a time except when sleeping. •One quarter of U.S. children spend 4 hours or more watching television daily. •Young people are at particular risk for becoming sedentary as they grow older. Encouraging moderate and vigorous physical activity among youth is important. Because children spend most of their time in school, the type and amount of physical activity encouraged in schools is important. •Only 25 percent of students in grades 9 through 12 engaged in moderate physical activity for at least 30 minutes on 5 or more of the previous 7 days in 2003. more

Resolved Question: Is it legal for a auto finance company to drop your financing and take the car back?

We were late on our payments but we caught them all up. The person we were dealing with told us since we caught up our payments he would defer our May payment to the end of the loan. That is when we caught up our payments. Yesterday the guy calls and says that we have to pay a $150 deferment fee for that to happen. I said ok and as I was leaving to do make this payment a repo agent shows up and takes my car. I called my finance company and they would not let me speak with the guy I made all these arrangements with and told me that they were no longer going to finance our loan because they think we are to high of a risk. They said that the only way I might get my car back is to talk to upper management on Monday or Tuesday. Can they just decide not to finance you any more and take the car back?We are current. I paid their deferment fee. They are still saying that I can not get the car back because they don't want to carry my loan anymore. What can I do. more

Voting Question: Can i get a MSc course in MIM (Manipal Institute of Management) that relates to financial risk management?

I need a course that relates to financial risk management... more

Resolved Question: My anger due to stress work and money broke up my relationship.. do you believer people can change?

i had a bad anger problem that broke up my relationship.. it was cuz of stress, i got laid off and have a hard time finding new work.. shes very into astrology and im a gemini... back to the point my anger tore us apart and i love her more than words can express.. do you believer people can change if its so in their heart and they know they were wrong. if a person loves someone so much it kills them to live wothout them and they cry day and night worth out them.. do you believe if a person gets to that level they can tryely forever change and never let anger be an issue.. i love her so much and would never want to risk being withouther again because its so painfull.. she believes people dont change.. i believe in my heart i can what do you think? if someone has it in there heart do you believe they can overcome anything? have you or have u known someone that has anger issues and has emotionally hurt their loved one? we moved across country to start a life and then the economy killed my profession and i was out of work the main cause of us fighting and always having a disagreement...and now all she sees are the bad fights we had and the negetive parts of out relationship when it was mostly amazing.. losing her has been the worst thing for me and i spend hours a day crying over what i lost. and that was the love of my life.. i want and have changed because i want to and because i need to. but do i deserve another chance even if she sets all the rules and holds all cards. i start a new job monday and after 2 weeks i can afford to go to a anger management class but untill then i have been reading books. more

Resolved Question: I got an email from yahoo saying verify my information or they'll close my account!?

Subject: VERIFY YOUR YAHOO ACCOUNT TO AVOID IT CLOSE..................... Thursday, June 11, 2009 4:23 PM From: "Yahoo Member" <nicola.keen@virgin.net> Add sender to Contacts To: undisclosed-recipients Yahoo account users, All yahoo free account owners,We are having congestions due to the anonymous registration of yahoo accounts so we are shutting down some yahoo accounts and your account was among those to be deleted.We are sending you this email so that you can verify and let us know if you still want to use this account.If you are still interested please confirm your account by filling the space below. Your Username, Password, Date of Birth and your Country information would be needed to verify your Account... Due to the congestion in all Yahoo users and removal of all unused Yahoo Accounts, Yahoo would be shutting down all unused Accounts, You will have to confirm your E-mail by filling out your Login Information below after clicking the reply button, or your account will be suspended within 48 hours for security reasons. * Username: ........................... .... * Password: ...................................... * Date of Birth: .............................. * Country Or Territory: ................ After following the instructions in the sheet, your account will not be interrupted and will continue as normal. Thanks for your attention to this request. We apologize for any inconveniences. Warning!!! Account owner that refuses to update his/her account after two days of receiving this warning stands the risk of lossing his or her account permanently. The Yahoo Management more

Voting Question: financial management. some help please!!!?

what is the meaning, function and importance of financial management??? also the meaning, function and importance of risk financing???? please be specific and all answers are welcome. thank you sooo much more

Resolved Question: Professional level courses of Risk Management ?

HI I am looking forward for some suggestion on Risk Management courses on professional level ideally if someone has done a MBA degree.On top of that if you could suggest me a good accredited and authorized institute in London.Your help or any suggestion will be highly appreciated. more

Resolved Question: i answered the questions and was hoping that some1 would tell me if i was right or not so i dont have to pay?

please help i answered the questions and was hoping that some1 would tell me if i was right or not so i dont have to pay again please and thank you When you consume alcoholic beverages, impairment of your ability to safely operate a motor vehicle begins at the first sip of the alcoholic beverages. a) true* b) false As alcohol use increases, the effect of alcohol increases and your ability to successfully operate a motor vehicle _______. a) decrease* b) stays the same c) increaed d) none of the above During flashbacks you experience______. a) you see geometric forms b) flashes of color c) intense colors d) all of the above.* Impaired driver’s reaction times often double in response to situations on the road a) true b) false* Other impairments to driving that are caused by barbiturates are _______. a) decreased motor control b) decreased simple c) neither d) both* A standard “drink” is equivalent to______. a) one 12 oz. Beer b) one 5 oz. glass of wine c) one shot of 80 proof whiskey d) all of the above* Alcohol lowers inhibitions making a driver more aggressive and less defensive. a) true* b) false The depressant effect of alcohol interferes with the conduction of the electrical impulse of the heartbeat. a) true b) false* As members of the family try to cope with the chronic stress of the user/abuser, they become ______ disturbed. a) physically b) mentally c) spiritually d) all of the above* For a ______ conviction of a DUI you could have your licensed revoked at least 10 years of first conviction. a) third b) second c) first* To prevent fatigue from affecting your driving; before you travel you should get______. a) travel information b) directions c) food d) a good nights sleep* For a ______ conviction of a DUI you could be imprisoned for not more than twelve months. a) first b) second c) third* If the driver drinks a carbonated alcohol beverage, the effects will be faster, as the alcohol is absorbed sooner and on the way to the brain. a) true b) false* Use of stimulants can promote the delusion of overconfidence. a) true* b) false Substance abuse is an _____ coping mechanism. a) effective b) ineffective* c) both d) neither Higher doses of barbiturates result in ______. a) aggressive behavior b) erratic driving c) both* d) neither You are at higher risk for having a collision when you drive long distance without a rest break. a) true* b) false On the crossbuck or gate at the railroad crossing there is a sign telling you how many tracks are at that crossing. a) true b) false* General effects of crack use include ______. a) weight loss b) general poor health c) both* d) neither Successful coping skills can be_______. a) stress management b) relaxation skills c) both* d) neither As you use alcohol you will experience multiple vision, blurry vision, dizziness and night vision impairment. a) true* b) false Smoking crack brings the vapors directly into the lungs where it is immediately absorbed into the bloodstream. a) true* b) false The frontal lobe of the brain is essential for driving a motor vehicle as the frontal lobe controls judgment, emotions, decision making and awareness. a) true* b) false Hallucinogens______ judgment, distort time, distance and reaction time. a) improves b) impairs* c) does not effect You should get into your motor vehicle and drive while angry. a) true b) false* About_______in every 10 Americans will be involved in an alcohol related crash at some time or another in their life a) 1 b) 3* c) 6 Speeding is a factor in ______ of all fatal crashes in the United States. a) 10% b) 20% c) 30% d) 40%* Prolonged use of alcohol can severely injure and potentially kill your liver cells. a) true* b) false Developing appropriate attitudes depends on making a personal commitment to change attitudes that are unsafe. a) true* b) false For a construction zone, the fines for speeding double when the construction workers are present. a) true* b) false _______have a greater impact on our society than all violent crimes combined. a) train crashes b) plane crashes c) motor vehicle crashes* Drugs do not effect all users the same way. a) true* b) false Alcohol is frequently used as a starting point for graduating to other illegal drugs a) true* b) false The first portion of you brain to become impaired is the_______lobe. a) back b) side c) frontal* The depressing functions of alcohol begin at the_______sip of alcohol. a) fourth b) third c) first* d) second If you are convicted of a DUI you could lose your_______. a) marriage b) friends c) children d) all of the above* Tobacco products do not cause various forms of cancer a) true b) false* The safety belt fastened ______ across the hips a) loose b) snug* c) both d) ne more

Resolved Question: Possibly pregnant, left father..what to do?

I just found out that after a year of trying i may be pregnant, well the bad news is i gave up trying like 3 months ago, and i left my fiancee last week bc i met another man who i seem to have a connection with (he is an ex con but very nice...wasnt put away for anything really bad, he has had anger management and regular drug testing for over a year), but I do not really know him (met online)..i know this may seem childish of me but i met my ex fiancee online too... Tay (ex fiancee) is too childish for me, and i dont feel he is mentally ready to raise a child, though i do love him to death Chris (ex con) is mature, nice, sweet, and says that pregnant or not he wants to be with me, he would raise my child like it was his own (were talking about a white man raising a half black baby here...not something u see too often!). i just dont know what would be best...if i find i am pregnant should i suck it up and go back to Tay even though i may be a bit unhappy i still do love him to death, or should i stick with chris and hope he means what he says about wanting to be there for me.... or maybe should i just go my own way and be that single mom that no one ever wants!!!! another option i had considered was adoption..though i dont know if i could go through with giving my child away, i dont know if i could handle seeing tays child everyday, i feel like i would get mad and mistreat the baby mentaly ( i cant see myself actually doing this, and i hope i wouldnt but is it really worth the risk)???i dont watch jerry springer but damn if so how coincidental...i swear this is for real though....seriously.... and i dont care about the ex con thing...hes a nice guy i like him a lot!kim ur wrong i wont ignore that...it makes sence...thats y i dont know what to do..i dont know if i can really trust chris...i really do like him...but i know a lot of the things he says reminds me of things i have seen in movies and stuff....i dont know if its just coincidence if he really did these things..or if he is a big old liar.....i just try to give ppl the benefit of the doubt untill they give me reason not to trust them!!! more

Resolved Question: Is New Zealand's government crazy enough to bankrupt their country with Cap and Tax?

http://www.canadafreepress.com/index.php/article/11534 CHURCHVILLE, VA—No country in the world would risk as much for “global warming” as New Zealand if it goes ahead with the cap-and-trade energy taxation installed by Helen Clarke’s now-departed Labour Government. New Zealand’s economy is almost completely dependent on its farm exports: lamb, dairy products, beef and high-end white wines. Half of New Zealand’s carbon emissions come from cattle and sheep. If New Zealand taxes its cows and sheep hundreds of dollars per animal for methane emissions and manure handling fees, Argentina would almost immediately displace New Zealand’s farm exports. Argentina has more grass, more cattle, the potential for more lambs, a surging wine industry—and no Kyoto obligations. Based on U.S. and Australian “discussions,” a 500-cow dairy might have to pay $250,000 per year for cattle emissions and manure handling permits, plus a hefty increase in its costs for low-carbon electricity and diesel. An Argentine dairy would pay none of these increased costs—and every dollar of cost differential would be a further incentive for Argentine dairymen to expand their exports at the expense of New Zealand. That would leave Kiwi cities like Auckland and Christchurch without visible means of support. I said this recently to several New Zealand government ministers and business leaders at a private dinner in Wellington. My message was not welcomed. John Key’s new government seems to understand that New Zealand’s economy would be at terrible risk from carbon taxes—but its voters apparently don’t realize it. The Clark government told New Zealand voters that the cost of “leading the world” with a carbon tax would be about $150 per year. That figure is laughably low. The British government now admits its new carbon tax law could cost as much as $27,000 per UK family. The Key government has temporarily suspended the cap-and-trade, but has not dared repeal it. Meanwhile, Australia’s Prime Minister Kevin Rudd is installing his own cap-and-trade, and playing footsie with President Obama on “solidarity” with a U.S. carbon tax. If Australia and the U.S. agreed on some benchmark carbon tax, most New Zealanders would expect their country to join in. Never mind that the earth’s global warming stopped after 1998 because the sun has gone into a startling quiet period. That’s why New Zealand’s many glaciers have been growing recently instead of receding. Never mind that even full member compliance with Kyoto would “avoid” only about 0.05 degree C of warming over the next 50 years—by the alarmists’ own math. The urbanites in New Zealand don’t really appreciate the sophisticated management that juggles pastures and feed crops that produce milk, cheese and Merino wool. They love the wine, but don’t understand the massive per-acre investments needed to turn their grapes into award-winning vintages. Meanwhile, Obama’s U.S. government has just punished New Zealand with trade-distorting dairy export subsidies--because our corn ethanol program has pushed our cost of dairy feed too high. World corn prices have doubled in real terms, and may go higher as our ethanol mandates keep rising. That jacks up the U.S. cost of “alternative fuels” even further--while New Zealand will have to file a well-justified case against America under the World Trade Organization rules. Ah, what a tangled web we’re weaving, rather than admit the Emperor of Global Warming has no clothes. more

Resolved Question: how can i start a career in risk management?

I am a CA inter from India. I need to start off a career in financial management and my aim is to be a fund manager. My total work experience in the audit department of a bank is of 10 months and no other experience. more

Resolved Question: plz help!!! more Business questions!!?

12. How will you save money by buying a franchise? A. Franchises require less investment than new businesses. B. Your employees will be paid by the corporation. C. You can get a volume discount on your products. D. You won’t have to advertise. 13. Why are many entrepreneurs uncomfortable on a relaxing vacation? A. They have a sense of urgency about their ideas. B. They don’t get along well with others. C. They’re only comfortable if they’re competing. D. They’re obsessive and can’t think of anything else but work. 14. Which of the following is an advantage of starting a new business? A. You don’t have to reinvent the wheel. B. You have the security of following in someone else’s footsteps. C. You can expect a regular paycheck. D. You don’t have to compensate for someone else’s mistakes. 15. Asking yourself “What can I do to build a loyal customer base?” is an example of A. creativity. C. multitasking. B. research. D. bottom line. 16. One of the advantages of starting your own business is A. free time. C. lack of responsibility. B. no hassles. D. profit. 17. What is the failure rate for a franchise? A. 50 percent C. 15 percent B. 30 percent D. 5 percent 18. Of these types of businesses, which one requires the most drive and motivation? A. A franchise C. A new business B. A partnership D. An existing business 19. The number one reason for the failure of new businesses is A. poor management. C. insufficient cash. B. taking too many risks. D. poor marketing. 20. Of all new businesses, how many make it through their second year? A. 80 percent C. 50 percent B. 60 percent D. 20 percent more

Resolved Question: Looking for a Mutual Fund with the following Criteria... Any Suggestions?

1. Preservation of Capital - Low Risk, where (Total Return > 2*Volatility, Total Return > Money Market Account (As High as Possible), and Volatility < 10% for any given Year) 2. Management of the Fund: The Fund Manager can Shift Assets Around to Gain a Better Yield, at a Moment's notice, if Interest Rates and/or Inflation Goes Up.... 3. Low Expense Ratio, No Fees, No Commission * I like the idea of a Mutual Fund because of Liquidity - easily converted to Cash, (but, what's in the Fund has to be "just as Liquid" - No Long-Term Bond Funds to justify that) * Also, I am not looking at a Money Market Account or Savings, as this would be a small percentage, in my IRA. more

Voting Question: Should LeBron demand trade to Portland?

Think about it, • LeBron would have a go-to-guy in Oden. Greg Oden, while a 1st rounder himself, he has never, ever been compared to the likes of a Howard, Nowitzki, Garnett, LeBron, Shaq, or Kobe. He's sort of an off-the-radar star due in part to his injury that took him out of his debut season. • Also, LeBron would have a go-to-guy in Brandon Roy, who's phenomenal in the stat category, not to mention he puts up solid points. More importantly, MONEY: • Portland is in the land of Paul Allen's riches that could be used in a trade for the deep pockets that the Cavs would want filled in return for releasing the MVP. We all know that LeBron does NOT want anything to do with "Dancing-Hair"-Varejao, Mo Williams, or Daniel Gibson. Not to mention, Portland's management might be eager to have LeBron paired with Oden and Brandon Roy: a tandem I'm sure Clyde Drexler would approve of. • Portland could theoretically release: Forward Travis Outlaw, Rookie Guard Rudy Fernandez, and Rookie GF Nicholas Batum along with a TON of picks (lol) in the upcoming draft. As for the risk of trading a "big star", heck this trade is not impossible: • Shaq left LA rather smoothly and at the time he went through less crap than what LeBron has. Shaq got three rings out of it before heading to Miami. In comparison, Cleveland owes this to LeBron because he's the MVP but w/o the rings. LeBron now has the clout to "throw some weight" behind his words with his MVP moniker. Nike: LeBron's sponsor and the biggest NBA corporate juggernaut is stationed in Oregon. The money gods that influence the NBA might put some heft behind the money transfer that could happen between Portland and Cleveland knowing LeBron is signed with Nike. (money flies around helter skelter whenever trades happen of this magnitude and the media rarely gets the facts right on this process.) Not to mention, LeBron would look stellar in Portland's jersey AND STERN WOULD LOVE having two competing stars in LeBron and Kobe on the same coast, instead of waiting for them to meet in the Finals after stirring the proverbial tea leaves. more

Resolved Question: Dealing with sciatic nerve pain, 18 weeks?

The pain is really starting to get bad and I don't want to take medication, because it could pose some risks to the baby. It's gotten to where it moves through my leg at times when I'm walking, which makes it hard to walk for brief periods of time. The only thing my doctor recommended (because I wasn't in much pain at the time) was to sit in water or go swimming and while that helps tremendously, I can't do that all day. I've also tried sleeping with a body pillow, but it doesn't make much of a difference from what I can tell. I still wake up with back pains. I'll suffer through the pain if I have to, but first I wanted to know if anybody else has other tricks for dealing with sciatia in pregnancy? When should I consider getting re-evaluated by my doctor? I posted this in the pain management section and didn't get any replies after two hours, so posting it here to see if that gets me an answer. more

Resolved Question: I am looking for a good book on Value at Risk(VaR)?

I am doing my internship in finance and my profile is Asset-Liability Management.....i just finished studying the concepts of duration analysis and ve completed a model on that. So now am going to study 'Value at Risk' measurement of IRR....so i would like to know a good book on VaR so that i can look into t in detail.... more

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