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The Community Reinvestment Act Implications of Predatory Lending

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The research conducted by San Francisco Fed showed that the amount of money borrowed by low income earners for the purpose of purchasing homes elevated by 37% during the period of 1993 to 1997 and during the same period, the amount borrowed by middle income earners elevated by 32% (Laderman 2).... research conducted by Patricia McCoy and other individuals of the university of Connecticut Law School showed that the main purpose of the CRA was to promote banks to lend to underserved communities but the CRA failed in fulfilling this purpose as out of the total of money lend as subprime mortgage, 15% of these loans were provided by banks and rest by other financial institutions (Engel)....

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Science Meets Real Life

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The first question necessarily has called for some background research and only after that one can go about “proposing explanations” (Carey, 2011, p.... he first thing that could be done was to understand the root cause of the problem, or in other words, do some background research.... Based on this background research, a conclusion was made that she had some ailment or she feared she had.... Here, the hypothesis was arrived at partially based on facts unearthed by background research and partially from guesses and intuition, which also could be an assistive tool in proposing a hypothesis, given a few solid facts lead them (Harris, 2014, p....

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Technological Advancement in the Hospitality and Tourism Sector

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The research on hospitality and tourism has endeavored because of the growth in mobile technology.... he conception framework as stated by research is endeavored to creating a blueprint to set predictable relationships and offer competitive responses that promote the industry, the community, and the residents (Anne & Teague, 2013).... (2005), “Information communication technology revolutionizing tourism”, Tourism Recreation research, Vol....

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The Academic Outcomes for Students with Reading Disabilities

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This method seeks to prevent academic failure in the early life of intervention, frequent progress measurement and the increasing intensive research-based instructional interventions for the children who have a continued difficulty in learning (Mark and Brown 34).... When the research ends there follows screening of all the students in order to establish the need for systematic progress monitoring, intervention, and the relevant support.... The method has proved to be a helpful and a meaningful research based reform strategy in the improvement of academic level....

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International Students and their Impact on Globalization

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A college setting can be an interesting venue to research this sociology phenomenon.... There can be no conclusive statements given about the benefits or problems created by increased student mobility across the globe until statistical research is carried out with regard to this topic under sociology.... The literature which exists, provides statistics of discrimination which was faced by international students in earlier years along with problems of stereotyping and social adjustment, but little research has been done on the effects (positive or negative) faced by the local students (Ward, 2001)....

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Steriods in sports

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The Corticosteroids is also divided into two major groups that is; the cortisone and the prednisone.... Corticosteroids are a class of steroids that mostly are always.... ... ... There is a big difference between the corticosteroids and the anabolic steroids; anabolic steroids also scientifically known as anabolic androgenic are a groups of synthetic Anabolic steroids are always considered illegal to be used in sporting activities and can only be provided under the prescription of a doctor....

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The Role of Statistics in Decisionmaking

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Selection of appropriate statistical test is very important for analysis of research data and depends on the kind of data being dealt with, the nature of the data i.... normal or not and the objective of the research.... Most of the scores and scales used in research fall in this category e.... The purpose of the research dictates also the appropriate statistical tests used....

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Acute Otitis Media in Children

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A search for the current recommendations and research in this aspect was conducted on the internet and a wide variety of online medical databases were explored which includes the Cochrane database, the American Center for Disease Control (CDC) website, the Bandolier database for evidence-based research, AHRQ website and Google Scholar.... A search for the current recommendations and research in this aspect was conducted on the internet and a wide variety of online medical databases were explored which includes the Cochrane database, the American Center for Disease Control (CDC) website, the Bandolier database for evidence based research, AHRQ website and Google Scholar....

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How the Internet Lowers Prices

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uthors regard various car models in their research, e.... he subject of the research is how Internet helps to lower prices in auto retailing industry, so it must be regarded jointly with other factors that also help to lower prices.... Cambridge: National Bureau of Economic research...

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Types of Spatial Navigation

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Invention of even the light year in space research does not allow human to observe environmental changes completely.... Researches have shown that three important variables are involved in human navigation research: ... Further research in consonance with cultural implications is required to pass light on sex differences in navigational capabilities.... Space research is naturally an evolutional development in human learning process....

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Community-Oriented and Problem-Oriented Policing

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Relevant data are collected and research conducted to determine what is clearly known about the type of problem.... There was need to research on how such problems could be peacefully solved.... According to the research findings and recommendations, it was found that such problems could only be solved by formation and adoption of COP by the majority of the supreme courts (2).... research Center on Societal and Social Policy, 2003, page 3....

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Rethinking Construction - Partnership or Competition

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As a result of our research, the conclusion we have reached, with some notable exceptions, is that there was merit in John Regan's task force findings and that, in general, it has improved the performance of the construction industry.... Thus it follows that for the four year period from the timing for the research for the task forces original 1998 report and the 2001 results shown above in figure 1, the vast majority of the industry was still either not taking on board the report's recommendation at all, or struggling to introduce the component parts of them within their organisations. ...

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Brain Boosters: Exercising Your Mind as You Age

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In an article titled 'Brain Boosters: Exercising your mind as you age', Jaret (1999) reports on the recent trends in research which have shown that while the brain's processing speed gradually slows as a person ages, exercise has a beneficial effect in keeping the heart strong and the blood vessels open, which in turn leads to better brain activity.... Brain Boosters In an article d “Brain Boosters: Exercising your mind as you age”, Jaret (1999) reports on the recent trends in research which have shown that while the brain's processing speed gradually slows as a person ages, exercise has a beneficial effect in keeping the heart strong and the blood vessels open, which in turn leads to better brain activity....

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Financial Accounting - The Pros and Cons of Choosing Fair Value Method

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Even though many of the proofs or the association involving the fair value accounting information and the stock price or the stock return exist from the past research, there is need for an empirical research that anticipate to confirm the presence of fair value trap and economic impacts of the self expansion model. ... The Paulson plan required a research on the economic impact of the fair value accounting to be udertaken.... ndustrial Systems research ....

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Vulnerable Populations

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culture that is interesting to research on is the American Indian culture.... Significant interdisciplinary evaluation research is very important as id aids in acceleration of identifying successful models that are used for the reduction of environmental health problems that are available in the community (Kegler, 2004). ...

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Interventions and Outcomes of Type Two Diabetes

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Generally speaking, the research conducted and questions to be answered have been established in relation to PICOT analysis that looks at the lifestyles of African Americans.... The research that was carried out indicated that this society had lifestyles, which was vulnerable to make them encounter type-2 diabetes (Matthews, 2003).... The research conducted and questions to be answered have been established in relation to PICOT analysis that looks at the lifestyles of the African Americans....

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Nitrogen in the Soil

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This was so because the land was under research and this was necessary for research purposes.... Therefore, the nitrate that resides in the deeper soil profile there is less organic matter that will have the greatly reduced and a minimal probability of being denitrified (Beck, Materon & International Center for Agricultural research in the Dry Areas, 1988). ... & International Center for Agricultural research in the Dry Areas....

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City of Heaven on Earth

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understanding of the ST, textual comprehension, shifts of meaning, cultural elements, vocabulary and research, Skopos and function of the TT, etc.... ocabulary and research.... The rules and regulations of the courtyard in ancient times became evident upon further research. ... The vocabulary used in the selection denotes the scholarship of someone who has done in-depth research about the Suzhou botanical gardens and appreciates the importance of these gardens, in relation to Chinese history and culture....

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The High Tech Development and Provision of the Required Homes

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The vital outcome of this plan and land use is that it will connect to the main centers of population, education, employment, shopping, and health care, and research centers.... The vital outcome of this plan and land use are that it will connect to the main centers of population, education, employment, shopping and health care and research centers.... For this reason, the core of the city has become limited because the research and development activities have been concentrated within the sites of employment on the edge of the city....

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Analysis of Catherines Situation

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e1-e7 Crossman, J 2013, Communication in Organisations, 4th Edition, McGraw-Hill, Sydney (Custom) Hargie, O 2011, Telling others about yourself: the skill of self-disclosure, Skilled Interpersonal Communication: research, Theory and Practice, n.... 33-48 McDonald, C, 2005, Bipolar Disorder: The Upswing in research and Treatment, Taylor & Francis, USA Pittman, M.... Skilled Interpersonal Communication: research, Theory and Practice -- Fifth edition....

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Number of Crime Prevention and Treatment Programs

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Com 25 April Criminological theories: How do they relate to the systems of prevention and punishment The comprehensive study and research titled “Criminological Theory Summaries.... Order # 526898 Academia-research.... And that is just the beginning, added Whitaker, as research had proven that youth in juvenile detention often become the adult criminals of tomorrow.... du), the all-embracing research and study presented a summary of sixteen theories listed as Classical, Positivist, Individual Trait, Social Disorganization, Differential Association and Social Learning Sub-cultural, Institutional-Anomie, General Strain, General Theory of Crime Control, Rational Choice and Deterrence, Routine Activities, Labeling and Re-integrative Shaming, Critical, Peacemaking, Feminism, Developmental Life Course and Integrated....

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Organizations Undergo Changes Frequently

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research shows that resistance to change is an ordinary response from individuals who have become used to a particular way of carrying out their activities.... According to research, motivating others needs experienced managers who are in a position to organize and offer a motivating surrounding (Singer & Van Cott, 2009).... research concerning reimbursement points out that an integrated reward attitude sustains every step of change creativity in an organization....

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The Management of Global Trade Distribution - Tata Motors

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The company also used two-thirds of its equity through philanthropic trusts to open up state institutions for technology and science, medical research, arts and social studies.... The challenge here is on research as the company needs to ensure that it invest heavy on research to be able to offer a product that is fit to all its users despite the place of origin.... The company had to do research oversees and also outsource partners for better results (Sauvant, 2008, p....

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Assessing Sex Offenders

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research has shown that recidivism rates are high for sexual offenders after they are released from prison.... This research is aimed at discussing self offenders.... research indicates that most offenders are likely to repeat the offense even after incarceration (Langan et al.... Despite treatment, research by the US department of justice, office of justice programs and the bureau of justice statistics found recidivism of sex offenders released from prison....

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Capstone IP 5

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IBM boasts of over 12 research laboratories all over the world, and is also the leading company in patent generation for over 20 years. ... However, the research potential exhibited by the IBM Company gives it extremely high ability and a competitive edge on all other competitors in the field since it is able to produce new products at a fast rate than the rest.... Just like in IBM, CA Technologies has a strong research and development capabilities....

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Post Exercise Hypotension after Breathing Exercise

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his research is submitted in partial fulfillment of requirements for the award of the degree of….... hereby declare that this research work entitled “effect of deep abdominal breathing exercise on post exercise hypotension” is the result of my own research except as cited in the references ... he research has not been published in any medical journal or magazine and has never before been accepted in any institution of higher learning for any degree and also it is not currently submitted in candidature for any award of a degree or diploma certification ...

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Tobacco Use in a Community

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The population availability is important to be considered since they provide basis for research of the effects of usage of tobacco I the community.... Case study Consider a research of about eight candidates with gender ratio of male: female of 5:3.... The research is about the use and effect of tobacco in a community.... With the social and some cultural limitations that were imposed the research discovered that out of the five male candidates three developed the character of using tobacco while two of them didn't....

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Loss of Profit in Fish Farming

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The paper 'Loss of Profit in Fish Farming' is a helpful example of a business research proposal.... The paper 'Loss of Profit in Fish Farming' is a helpful example of a business research proposal.... In the hope to utilize the fishing environment, MOEW (Ministry of Environment and Water) established MERC (Marine environment research centre) in 1984 located in Umm Al Qaiwain UAE west coast.... This study will employ descriptive/ exploratory research design....

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The Gangs in the Troubled and Improvised Neighbourhoods in the United States

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A research conducted in 1927 by Thrasher, in his study in Chicago on 1,313 gangs, made a conclusion that gang members are more prone to delinquency than non-gang members.... research has also shown that acquisition of weapons has a profound impact on the crime rate.... ecent research has showed that gang members experience more victimization compared as to non-members.... According to Spano, Freilich and Bolland (402), research studies also indicate that victimization is used to reinforce a person's reputation or provide protection to other gang member....

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The Cancer Funding

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Many sponsors of campaigns that fund research for cancer are eager to put the label “FIGHTING CANCER” on their products, when in reality a small percent of the proceeds actually goes to the actual funding.... The advocates say that if such statements on the product packages are not specific on what they will do, like treatment, research or campaign, then consumers should not buy such products with the notion of participating in the cancer treatment and awareness campaigns. ...

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How and When Drought Water Stress Impacts Maize Growth and Development

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This paper "How and When Drought Water Stress Impacts Maize Growth and Development" describes how drought water stress has a major impact on plant development and growth, hence the major cause of lower yields, prevents seedling establishment, root growth, and photosynthesis process is affected.... ...

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Urban Poverty and the Plausible Solutions for the Problems

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With a ten year research in several urban cities, the authors have provided a set of solution to the incisive battle against saving environmental issues and urban poverty.... Additional research has to be done in incorporating gender based issues in action plans aimed for urban poverty development.... Apart from the research, the important thing is to implement the results of this research in practice....

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General Coffee Consumption in the World

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A primary research on key drivers for the selected stores will also be conducted in order to establish consumer behavior relative to the key drivers selected by different stores.... rimary research for coffee store and shop ... research findings on the key drivers for store choice ...

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Present Discourse on Diabetes

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From literature and research, it is evident that diabetes can affect the central and peripheral nervous system, cardiovascular system, the kidneys, and even the limbs.... research and statistics indicate that the number of people developing diabetes will double in next two decades.... A research conducted by Wild et al (2004) indicated India, China and the USA as the three countries with highest numbers of diabetes patients in the world; this research also predicted these countries to still remain the highest in the same order by 2030 of people suffering with diabetes....

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The Biology of Sleeping and Dreaming

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However, there has not been a conclusive research as to why dreams usually occurs at the REM stage of sleep and the relation dreams have with the rapid movements of the eyes while a person is dreaming.... Maurice's ophthalmologic hypothesis research proposes that the REM dreaming process helps to do something meaningful to the cornea of the eyes, Freudians totally reject the idea and propose that the nature of the dreams of a person in relation to the psychoanalysis of an individual....

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Human Service - Supported Employment

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research on early psychiatric vocational rehabilitation facilities implied need to establish vocational rehabilitation services, with the fundamental principles of psychiatric rehabilitation (PR) and those of SE sharing many similarities.... With the research recommendations, the Center for Mental Services (CMHS) sponsored the SE implementation resource kit structured to support the implementation of SE as evidence based practice in psychiatric rehabilitation program (Anthony, 2005, P....

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The Encephalomyelitis Disseminate

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ymptoms of Multiple Sclerosis (Mayo Foundation for Medical Education and research) ... Mayo Foundation for Medical Education and research) ... [It] means integrating individual clinical experience with the best available external clinical evidence from systematic research.... ultiple sclerosis – research, Diagnosis, Symptoms, Treatment… ...

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Defining and Describing Cultures

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In order to better understand different cultures, and to determine what such a concept is comprised of, it is often beneficial to conduct ground research in a society different than one's own.... Social research currently proposes that culture is basically a ‘collective representation' of society.... This has been a brief synopsis of currently published research attempting to better understand and construct a definition of culture.... More research is needed in this area due to a growing integration of peoples around the world....

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Interpersonal Communication and Implications of Interpersonal Relationships on Communication

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The paper "Interpersonal Communication and Implications of Interpersonal Relationships on Communication" reflects how ethics and values affect communication, the benefits of promoting diversity in communication in the firms, and the barriers to making informed decisions and conflict resolution.... ...

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Good Faith and Consistency in International Agency Contracts

25 pages (6250 words) , Download 2 , Research Paper

In this essay, efforts have been made to take a look at the present laws, particularly binding on United Kingdoms, and how this country overcomes constraints and difficulties encountered during interacting with trade partners, particularly other EC trading partners.... ... ... ... With the use of decided case laws and impinging legal statutes that bind, or exonerate trading partners from responsibility and rights, this study seeks to throw light on the present scenario surrounding the directives relating to the coordination and management issues, that arise in a multinational milieu....

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To What Extent is it Justifiable to Deviate from Fundamental Principles of Criminal Law by Creating Driving Offences of Strict Liability, in the Interests of Maintaining Road Safety

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This paper stresses that To What Extent is it Justifiable to Deviate, the concept of human society is a concept that has received a lot of debate and discussion from reviewers and writers when it comes to the way and manner in which people are expected to relate to one other.... ... ... ... According to the paper, typical examples of such rules and regulations that can be identified as directly catering for both the freedom of the bearer and the interest of the holder are driving laws on the possession of insurance and valid driver's license by car users....

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HEALTH LAW AND ETHICS

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There are various health laws and ethical standards that govern the operations sector have various laws and ethical standards that govern the operations in various health facilities and define the mode of offering health care.... Healthcare obviously requires huge resources to.... ... ... Nevertheless, just like in other sectors, the health sector has limited resources to cover the huge health demands....

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The summary, analysis and personal commentary

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Equally, a set of accounting standards that are globally accepted as suitable to the field of accounting are known as Generally Accepted Accounting Principles (GAAP) (Yu & Wahid p.... 1895).... The.... ... ... Laws exist to guarantee that accounting choices get made in a coherent and sensible way. ...

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Health Care Policy: Will Obamacare Cut Costs

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From the paper "Health Care Policy: Will Obamacare Cut Costs" it is quite clear that generally speaking, Obamacare has greatly helped to curb health-related costs as America currently witnesses its slowest growth in health care spending compared to 2009.... ... ... ... Currently, America spends about 17% of its GDP on health care, way more as compared to 9% of GDP back in 1980....

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Tax Expenditures in OECD Countries

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The paper "Tax Expenditures in OECD Countries" states that the government needs to use the taxpayer's money wisely.... The technology projects funded by the government are expensive.... In some cases, the projects are doomed to fail.... Some could be harmful to the public if mishandled.... .... ... ...

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Self education made Malcolm X one of the most influential leaders of his time

3 pages (750 words) , Download 2 , Essay

Malcolm X was one of the most influential leaders of his time.... The art of self-education guided him to attain success in his life.... Self-education is the art of educating oneself without depending on others.... It empowers an individual to attain a specialized skill without acquiring knowledge from others....

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Mathematics Teaching

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According to Training and Development Agency (2009), promoting an excellent learning atmosphere for children where they get to gain a good mathematical understanding and attain higher order thinking skills a teacher ought to employ various techniques in teaching in accordance with to the Qualified Teacher Status (QTS) standards which are very valued in the United Kingdom and especially in England they are compulsory. ...

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Dell Computers & Organizational Networking

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Different groups of stakeholders within organizations have common as well as conflicting set of interests to pursue.... Employees as well as management often have common goal of seeking the success of the organization because a successful organization will not only ensure job security but also increase in wages, bonuses and other compensation....

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The Public Debt

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For the most part, most of us are accustomed to reading about these kinds of cuts in the local papers and hearing about them on the news.... This paper the Public Debt talks that if the public debt, which is currently at $4,729,558,284,914, continues to grow, we can expect to see continued reductions in social programs in the way of increased Medicare deductibles and premiums, and decreased service to impoverished children and families....

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EPAs Office of Environmental Information

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The System Sponsors must also make certain that they are agreeing with or rejecting decision papers (EPA Needs).... In the paper 'EPA's Office of Environmental Information' the author provides the key recommendations made in the analysis of the EPA's Office of Environmental Information....

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