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Test Bank for Law and Ethics in the Business Environment, 8th Edition, Terry Halbert, Elaine Ingulli, ISBN-10: 1285428560, ISBN-13: 9781285428567
This is NOT an original TEXT BOOK (or Solution Manual or original eBook). You are buying Test Bank. A Test Bank is collection of test questions tailored to the contents of an individual text book. Test bank may contains the following types of questions: multiple choice, true/false, fill in the blank, matching, essay/short answer, and free-response questions. Please download sample for your confidential. All orders are safe, secure and confidential.
1. Law, Ethics, Business: An Introduction.
2. The Duty of Loyalty: Whistleblowing.
3. Privacy and Technology.
4. Valuing Diversity.
5. Workers Rights as Human Rights: Health and Safety in the Workplace.
6. Sustainable Economies.
7. Marketing and Technology: Choice and Manipulation.
8. Risk Allocation: Product Liability.
9. Ownership and Creativity: Intellectual Property.


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Activity based Costing & Allocation Rates
This content was STOLEN from BrainMass.com - View the original, and get the already-completed solution here!
I would like to know, based on the additional background information below:
A. The allocation rates for each activity in the R&D Department.
B. How much cost would be charged during the year to a manufacturing department that had consumed 2,000 hours of market research time, received aid in developing 25 new products, and requested aid for 150 engineering process changes?
Background information:
For the past 20 years, Mega Manufacturing Company has maintained an internal research and development (R&D) department. The department provides services only to in-house manufacturing departments. In recent years, the costs of operating this department has been rising dramatically. Management has determine that to control costs, it will institute an activity-based costing system and charge the in-house users of the department for the services it provides in developing products and processes. The principal expense in the department is salaries of professional workers, including marketing consultants and product and process engineering specialists. Activities in the R&D department fall into three major categories. The categories follow, along with the estimated cost of professional salaries associated with each activity:
Evaluation of Market Opportunities $1,200,000
Product Development 3,600,000
Process Design 4,800,000
Management has determined that the appropriate cost allocation base for evaluation of market opportunities is hours of professional time; for product development, the allocation base is the number of products developed; and for process design, the allocation base is the number of engineering process changes. For 2002, the R&D department worked 30,000 hours evaluating market opportunities, aided in the development of 200 new products, and responded to 1,000 engineering process change requests.© BrainMass Inc. brainmass.com December 20, 2018, 2:52 am ad1c9bdddf
Solution Preview
In activity based costing
Allocation rate = Estimated cost/estimated activity
Evaluation of market opportunities
Allocation rate = 1,200,000/30,000 hours = $40 per hour
Product ...
Solution Summary
The solution explains how to allocate costs under activity based costing.

subset: commoncrawl


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Brand: General Pencil Co.
Made in: USA
Nice variations of the Semi-Hex. Really like the look of the unusual dark ferrule with the purple stripe. NOTE: The dark ferrule with purple stripe is available here for purchase.
Only 1 left in stock
Founded by the Weissenborn family in 1889 and renamed General Pencil Co. in 1923. The company is today headquartered in Redwood City, CA. Learn more at the General Pencil Company website.


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December 17, 2018
Model Declaratory Judgement suits
The act for Model Declaratory judgement lawsuits (Musterfeststellungsklage) went into effect on 1 November 2018. Qualified institutions and consumer protection organizations can file class action suits against a company to obtain a declaratory judgment on behalf of consumers.
Only those institutions with a minimum of 10 associations as members or 350 individual members have the right to sue. They would have had to have been registered for four years under the Act on Injunctive Relief or with the European Commission and may not receive more than five percent of their financing from corporate entities. Additionally, the law suit cannot be initiated for profit.
The regional Superior Court (Oberlandesgericht) has jurisdiction over the proceedings. The complaint must allege that at least 10 people were victims of the tort. Filing a claim under the Act does not bar individual consumers from bringing personal actions against the tortfeasor; however, no other model proceedings based on the same facts may be brought against the same defendant.
A total of 50 plaintiffs will have to sign up to a litigation register within a two-month period for the case to go forward. Other plaintiffs have until the day before the first hearing to register to be part of the class.
The model proceeding ends with a declaratory judgment or if the parties reach a settlement. The declaratory judgment is binding on the questions of fact and law for the plaintiffs who were members of the class. Based on that, a member of the class may initiate an individual action for damages. Alternatively, the parties may settle the claim. If they do so, settlement is subject to review by the Court. The settlement is deemed valid unless 30 percent or more of all class members explicitly opt out of it.
On 1 November 2018 the Verbraucherzentrale Bundesverband (German federal central consumer protection organization) and the Allgemeiner Deutscher Automobil-Club (ADAC) – A German automobile club with membership in the millions, initiated the first action under Act at the Oberlandesgericht in the northern German city of Braunschweig against the Volkswagon Company, makers of the VW cars on behalf of consumers that bought its diesel automobiles. The suit alleges that VW misled consumers about its diesel automobiles and is thus, liable for damages.
Julian Dehmel
Arbeitsrecht, Datenschutz, Entbürokratisierung


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A payday loan (also called a payday advance, salary loan, payroll loan, small dollar loan, short term, or cash advance loan) is a small, short-term unsecured loan, "regardless of whether repayment of loans is linked to a borrower's payday."[1][2][3] The loans are also sometimes referred to as "cash advances," though that term can also refer to cash provided against a prearranged line of credit such as a credit card. Payday advance loans rely on the consumer having previous payroll and employment records. Legislation regarding payday loans varies widely between different countries, and in federal systems, between different states or provinces.
Bill C28 supersedes the Criminal Code of Canada for the purpose of exempting Payday loan companies from the law, if the provinces passed legislation to govern payday loans.[56][57] Payday loans in Canada are governed by the individual provinces. All provinces, except Newfoundland and Labrador, have passed legislation. For example, in Ontario loans have a maximum rate of 14,299% Effective Annual Rate ("EAR")($21 per $100, over 2 weeks). As of 2017, major payday lenders have reduced the rate to $18 per $100, over 2 weeks.
2. Loan funding requires verification of application information. Depending on ability to verify this information, loan funding may be extended up to two days. All loans subject to approval pursuant to standard underwriting criteria. In-store cash pickup is subject to approval pursuant to standard underwriting criteria. In-store cash pickup not available in all states.
In Ohio, SCIL, Inc. dba Speedy Cash, is a registered Ohio Credit Services Organization (CS.900174.000) operating pursuant to the Ohio Credit Services Organization Act. The actual lender is an unaffiliated third party. The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio civil rights commission administers compliance with this law.
Disclaimer: NerdWallet strives to keep its information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product's site. All financial products, shopping products and services are presented without warranty. When evaluating offers, please review the financial institution's Terms and Conditions. Pre-qualified offers are not binding. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly.
It's possible to tap into another workplace resource without counting on your boss's approval: your 401(k). Although traditional advice would have you run for the hills before taking money out of your retirement account, it is actually one of the most cost-effective options. In fact, according to Investopedia, a 401(k) loan should be one of the first options you consider to address a short-term, but serious need for liquidity.
Contact your local consumer credit counseling service if you need help working out a debt repayment plan with creditors or developing a budget. Non-profit groups in every state offer credit guidance to consumers for no or low cost. You may want to check with your employer, credit union, or housing authority for no- or low-cost credit counseling programs, too.
Legal Disclaimer: The owner/operator of this site is not a lender or an agent, broker, or representative of any lender. This website offers a free service that attempts to connect consumers with lenders who may have loans for them. Loans are not available in all states, and approval is not guaranteed. Loan amounts, rates, and terms will vary depending on each lender and consumer qualifications. Lenders may conduct credit checks that could affect your credit score.
*Approval depends upon meeting legal, regulatory and underwriting requirements. If approved, online loans are funded the next business day. All times and dates are based on Eastern Standard Time (EST). Check `n Go and third party lenders may, at their discretion, verify application information by using national databases that may provide information from one or more national credit bureaus, and Check `n Go or third party lenders may take that into consideration in the approval process.
Affiliate Disclosure: There are links on this site that can be defined as affiliate links. This means that I may receive a small commission (at no cost to you) if you purchase something when clicking on the links that take you through to a different website. By clicking on the links, you are in no way obligated to buy.
Please Note:The material on this site is provided for informational purposes only and is not financial advice. Always consult a professional before making any financial decisions.
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Is personal credit card debt turning into a problem for you and your family? Is your debt more than what you earn? Are overdrafts starting to be a huge concern? Are the heaps of not opened and unpaid monthly bills just piling up? It doesn't have to carry on like this. There are superior Athens, Maine debt negotiation services happy to help you to recover.
Do It Yourself Debt Relief And A Look At Debt Negotiation
When you want to reconcile all of your accounts for under your balance, debt settlement offers this solution. You just make arrangements with each collector, separately, to repay a more affordable arranged amount. There are skilled debt negotiation services that can deal with this element of the approach on your behalf. You are able to attain settlement by establishing an agreement where the collector takes a lesser amount than what is owed. The farther behind you are in bills, the better your chances to get the amount lowered. You're even more likely to get a debt settlement deal if it's clear that you've hit a tough spot financially, particularly if this challenge transpired because of unforeseen hardship.
Debt negotiation is a common way of getting out of debt, and it is an approach that should undoubtedly be a consideration before you decide to look into a bankruptcy proceeding. You're able to evade a lifetime of problems by getting around filing bankruptcy. Creditors are very well aware that they will likely get little or nothing should you declare bankruptcy, so they will be more open to the concept of a debt settlement. You can totally resolve your debt like this. The amounts on your account are completely taken care of for a decreased cost. Once you come up with a successful debt settlement, the collector or creditor won't be able to attempt to collect what you owe.
You can find debt settlement options for every kind of consumer debt you've got. Some examples are credit cards, student loans, and medical bills. If you're not ready to surrender your possessions (like home and car), it will be much harder to have these financial obligations resolved. The IRS is not required to negotiate, but it is common for them to do so. It is a little less common to settle education loan debt.
You need to be conscious that settling your debt down to a lower negotiation sum may have a poor effect on your credit score. Debt settlement is reported to each credit-reporting organization. The information from the settlement will stay on the report.
It's not necessary to do it on your own. There is an option of using a debt negotiation company. If you are not familiar with the process of negotiation or wish to avoid the telephone calls, using a debt negotiation agency makes sense. Not surprisingly, it is often challenging, and highly frustrating at times to manage negotiation yourself. Lots of people are simply uneasy about trying to get it done with no professional guidance. You might not even have the time to manage it yourself. It could be good for you to employ a debt negotiation company to do the tough work for you. Debt and contact with creditors will affect everybody in different ways, and you may choose the notion of talking to creditors personally. Just do not begin something blindly. Seek information before you make the phone calls or before getting someone to help. Don't settle for businesses that demand upfront payments and ensure that they don't have a bad reputation. Be sure to select a respectable organization.
If you find yourself in a position where you can not pay your credit cards or repay other debts, like if you have experienced an unexpected extreme financial hardship, it is best to get in touch with creditors quickly. You'll want to negotiate personally with your collectors if you're able to. Within your communication, you'll need to keep tabs on each correspondence. Debt negotiation organizations are the better option if you haven't got the time, confidence, or ability to do this yourself.
Read any arrangements carefully and ask for copies in writing. Every settlement must be supported by a written agreement. Save this information for your documents. It could help at tax season or if a question comes up.
Should You Pursue Do-It-Yourself Debt Settlement?
For many, debt negotiation is successful without help. You are able to start by getting in touch with customer care with each and every credit card provider. If you're past due on payments and able to make a lump sum payment, this is best. Payment schedules are not a possibility. The credit card company will want you to make a single lump sum payment.
Through carrying out your own debt settlement, debtors can save whatever they may have ended up paying to a debt negotiation company. You will also have a lot more control over this process.
Advantages Of Using Qualified Debt Negotiation Services
Using the services of a qualified debt negotiation service is almost always the best approach. They're able to provide you with wonderful deals because of their long relationships with creditors. That's not as simple to accomplish if you are doing the job alone. Moreover, they are able to arrange for your monthly financial debt installments to be routed with a single payment per month that goes through them. It could hardly be simpler.
It is often a lot better to use a reputable debt negotiation service rather than attempt it yourself. A percentage of the financial savings of the credit card debt will go to pay the debt negotiation organization for their services. Negotiation services will get better deals because they generally bundle their settlements into a more substantial mass negotiation with the collector for as much as fifty percent of the present balances. A better rate is also attainable, because of those long developed relationships with credit card companies. Written off debt is big with many credit card companies because of the economy. This means they're happy to settle credit card debt.
The Disadvantages of The Debt Negotiation Process
Impact on consumer credit: Credit reports shows that you have entered debt negotiations and the relevant FICO scores will go down as a result of it. This can be prevented through a paid in full document from the creditor. Also, as debtors settle their balances the score starts to strengthen once again. There are opportunities with many debt negotiation companies to help you improve your credit rating.
Legalities: There is always the chance for a lawsuit if your debt is past due. The balance remains in default through the entire debt negotiation process. If debt is in default, legal actions can be an issue. Most will want a major one time payment to negotiate for anything lower than the balance of your debt.
Ineligible debt The sorts of financial debt you are up against also will influence the results of your discussions. There are many types of financial debt that debt negotiation will not help. For instance, you should not count on seeing any respite from domestic judgment, student loan debt, or tax liens. Some creditors even firmly refrain from debt settlement.
Concerns with income taxes: Another major objection to debt settlement is the fact that people that get a part of their debt canceled outside a bankruptcy proceeding will need to report the debt which was canceled as taxable income. However, the IRS will not make people report the debt if the taxpayer was in an insolvent state at the point in time when the creditor forgave the debt.
How Can You Pick A Qualified Debt Negotiation Program For Your Situation In Athens, Maine?
Is there an upfront charge?
That is just about the most fundamental thing you need to consider prior to choosing a debt settlement company. There should be no large costs prior to lowering your debt. You could find a smaller fee ahead of time, much like an application charge. Don't pay anything more than that .
Are there any issues submitted against the service? How much? What is their BBB standing look like?
You can learn a lot about a business's history by simply browsing the web. Based on what previous customers have thought, you will get a good indication of how the organization operates. Your local chamber of commerce and your State Attorney General also can let you know about any grievances.
Are they included in the American Fair Credit Council?
The American Fair Credit Council has the goal of advancing good practices in the debt negotiation sector.They wish to guard debtors from unjust and unlawful processes by debt negotiation organizations. Major priorities for the AFCC include the exercise of strategies that enhance the customer experience and promote completion of the settlement program while ensuring maximum disclosure for every consumer. They are fundamental guidelines for membership rights.
Have you been informed of the approach?
You have to be given the information on the process of debt settlement and how it works. A few things to consider include the chance to discover more about each available alternative, such as consolidation, consumer credit counseling, and consumer bankruptcy. When they do not look at each option with you, be suspicious. You should never feel like the sale is a bigger factor than your best interests.
Will you be offered an opportunity to sign in to your account online and observe improvement?
Transparency is important when working with a debt negotiation company. The consumer has to understand what's being achieved on their behalf and also have easy access to account standing. Only some debt settlement companies have enough tools to accomplish this. You need to work with one that will make this happen.
Customers need to be able to monitor latest actions and improvement, see negotiation offers that were made and acquired from collectors, view their enrolled accounts, update their private info, and send requests straight to the customer service office.
Those are the biggest considerations when selecting a debt negotiation service. This is the way it is possible to avoid the programs with inadequate track records, skill, and service.
For people who have tried it on their own in the past, debt settlement agencies can be a major relief. By using this method, you'll be able to take care of your debts free of a large up front financial investment.


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How it works: Compare's shopping process asked me to enter the same general information that other auto comparison websites did. Entering the information was fairly straightforward. Most of the fields were drop-down menus or pre-filled based on information I had submitted on previous pages. The questions were detailed, including some about my current policy limits that required retrieving my insurance documents to answer. I did like that Compare asked if I was willing to accept paperless documents and/or e-signing
Liability insurance: Consider this the cornerstone of all car insurance policies, given it's the type of coverage required by nearly every state. Liability insurance actually falls into two buckets. Bodily Injury (BI) covers the cost of any injuries (or death) that result from an accident you caused, while Property Damage (PD) covers the damage made to another vehicle or piece of property your car crashes into.
To decide which companies were the best rated, we decided to take a look at which ones received the least complaints relative to their business size. Using data from the North Carolina Department of Insurance, we calculated a complaint index that compares the number of complaints to the number premiums in dollars. Below is a table ranking the insurance companies in North Carolina by the lowest index numbers (best) to highest (worst) complaint index. If the index is less than one, the insurer is better than the average, and if it is greater than one, it is worse than the average. For example, if the company's complaint ratio is 1.15, the company has a 15% higher share of complaints compared to its market share.
Our writers and editors thoroughly research the car insurance options we compare on this site. You're guaranteed to only read unbiased, third party opinions. While we make money from our partner insurance providers to expand our content and our company, we maintain high editorial standards to ensure any information you see on finder.com is accurate and objective.
For the full list of insurers, see below, where they're ranked from most affordable to most expensive. Rates are based on the average of our two drivers, who haven't had any traffic violations or accidents in the past five years. Based on your experience as a driver, and the types and amounts of coverage you choose on your auto insurance policy among other factors, your quotes will differ.
As with any credit check, a record of this search will remain on your file – and your credit rating will affect the amount of APR that you're charged. If you have a poor credit rating, you may be charged up to 20% APR. And if you've struggled to pay credit in the past, or if you have a CCJ to your name, then you may be denied the option to pay monthly. If you think you'll have issues with your credit rating, you can read our guide on improving your credit score.
Cheap auto insurance doesn't mean you have to compromise on quality. You just need to know where to look and what to look for in an auto policy. Savvy auto insurance customers can benefit from the regular price adjustments and the introduction of new discounts by an auto insurance carrier, if they shop. So, are you getting the best value at the best price?
The three most expensive local insurers were Allstate, Nationwide, and MetLife, based on our analysis. With an average annual rate of $989, the three national insurance companies cost about 23% more than the 11-company composite average from the study. Compared to the cheapest three, Allstate, Nationwide, and MetLife were roughly $346 more expensive each year for our two drivers' basic liability insurance policies.
You will need to know the make, model, year and VIN (Vehicle Identification Number). An online quote form may be able to pre-fill a large portion of this information by using the VIN found on the dashboard under the windshield or your state's vehicle registration paper work. Sometimes an insurance form may ask you to differentiate between the different models and security features.
Products underwritten by Nationwide Mutual Insurance Company and Affiliated Companies. Not all Nationwide affiliated companies are mutual companies, and not all Nationwide members are insured by a mutual company. Subject to underwriting guidelines, review, and approval. Products and discounts not available to all persons in all states. Nationwide Investment Services Corporation, member FINRA. Home Office: One Nationwide Plaza, Columbus, OH. Nationwide, the Nationwide N and Eagle, and other marks displayed on this page are service marks of Nationwide Mutual Insurance Company, unless otherwise disclosed. © 2018 Nationwide Mutual Insurance Company.
First, you can play with your deductible. We all like to have the least amount of out of pocket expense if we are involved in an accident. However, the lower the deductible, the higher your premium will be. Select a higher deductible amount. If you have chosen a $500 deductible, rerun your quote with a $1,000 or higher deductible. This will assuredly lower your overall premium.
Auto insurance companies attempt to predict and price the risk you and your vehicle pose in order to reduce their exposure. Keeping in mind the factors we just covered, the more risky you appear to your insurance company, the more you will be charged. Factors like age, marital status, and homeowner status, are less easy to change. Avoiding unnecessary claims, being smart with your coverage needs, and shopping around for car insurance quotes every so often are great ways to save on car insurance.
One of the biggest differences between carrier's rates can be attributed to the avaialable discounts. Most insurers reward safe drivers and bundlers. In additon, savings can be found for vehicles that have the most safety features. The most variable discounts can be found when a company is trying to reach a certain group of insurance consumers. For instance, some companies may offer discounts for switching before the expiration of a policy or from a certain competitor, while other may decide retirees shoulde get a discount.
As with any credit check, a record of this search will remain on your file – and your credit rating will affect the amount of APR that you're charged. If you have a poor credit rating, you may be charged up to 20% APR. And if you've struggled to pay credit in the past, or if you have a CCJ to your name, then you may be denied the option to pay monthly. If you think you'll have issues with your credit rating, you can read our guide on improving your credit score.
Liability coverage is legally required in Virginia and pays for injury and lost wages that you cause to another driver or their passengers as well as damage to the other driver's vehicle in the event that you are considered "at fault" in an accident. The coverage limits are determined by each individual state and normally split into three categories. In Virginia, the minimum is listed as 25/50/20 and explained below:
If you are or were in the military, or if your parents, parent-in-law, or spouse was in the military you are eligible for USAA auto insurance, and they may just be the best company for you. USAA scores 5/5 stars for the both shopping experience, and claims handling process in the J.D. Power study. They do particularly well on how you can report your claims to the company. You should also be highly satisfied with their final settlement claims. For more information, read here.
The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions, exclusions or any other provision expressly stated in any contracts of insurance. We encourage you to speak to your insurance representative and to read your policy contract to fully understand your coverages.
Plus, there are hundreds of car insurance companies. What are the chances that the one company you selected is the cheapest car insurance for you? Unless you are comparing prices, you won't know how much you could be saving. In one comparison, a woman in Texas got prices that ranged from $77 a month to $300. That's over $2,600 in savings every year from switching car insurance companies.
While liability coverage is required in most states, other coverage requirements vary from state to state. Some coverages may even be optional. You may want to familiarize yourself with your state's specific car insurance requirements. To accurately compare car insurances rates, make sure you've selected the same set of required and optional coverages for each quote you get.
Results: After a short wait, the quoting tool produced two quotes, for $299 per month and $971 per month, plus links to two other insurance sites. SmartFinancial allows you to narrow down the results further by selecting desired features such as local agents and low down payment, but given how limited the results were in the first place, that particular option isn't much help.
At The Zebra, we know better than most just what a pain buying car insurance can be. We also know that students suffer from higher-than-average policy rates. Talk about a double-whammy. That's why, this year, we've decided to continue The Zebra's annual scholarship with the goal of helping to alleviate the financial pressures of college-bound students in Virginia, while also getting an insider view of the Old Dominion State.
Holy cow, car insurance quotes, amiright? To say they're confusing is a massive understatement. There are just so many numbers. And acronyms. And terms no non-insurance expert should expect to understand. (PIP, anyone? Anyone?) And, while you can get a sense of how much your car insurance would cost — that number is usually prominently displayed right up top — understanding the rest of the quote, like how much protection you get and what you're still on the hook for, is … well, something else.
Other pros of Progressive include it being an online company. You can get a quote directly from the Progressive website without having to speak to an agent. Cons of Progressive involve its customer service. Customers in the J.D. Power survey only gave mediocre remarks for Progressive for its buying experience and claims handling process. It isn't the worst, but Progressive is far from the best in the field. Because of this, Progressive might be the best insurer ideally for customers prioritizing low rates, especially after an accident, and do not mind a bit more cumbersome claims handling process.
Remember, price is just one piece of the car insurance policy puzzle. You also want to make sure you feel good about the insurer you're doing business with. Do they have a good track record when it comes to paying out claims? Are they known for their customer service? Are they financially solvent? Fortunately, it's pretty easy to get answers to these questions. In fact, sometimes, some important signifiers will be included with your auto insurance quote. The big stats to check when vetting an insurance company include:


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The religion of Caodaism was established in Tay Ninh. Cao Dai means "the highest power" and the religion is formally known as The Great Faith for the Third Universal Redemption. Caodaism was founded in 1926 in this place, four kilometers east of Tay Ninh town. It's a complex that includes a temple, residences for officials and followers, offices and a herbal medicine hospital that attracts many patients, especially from the south. It took until 1955 to complete the construction of the Cao Dai Holy See, which spreads over 2,000 square meters and is 25 meters high. The Holy See seen from above. There are 12 entrances to the Holy See, and each has carvings and statues of dragons, lions, turtles, and phoenixes and a touch of lotus flowers. The largest entrance has two dragons on top guarding the gem. Inside are two large gardens, so large that they look like mini forests. According to people here, these are oil and rubber trees that were there before the Holy See was even … [Read more...] about Vietnam's unique religion and the center of its universe
Vietnam main religion
Vietnam, India look to close, trustworthy partnership
The visit is also a chance for Vietnam and India to adopt measures to promote their comprehensive relationship as well as facilitating business deals. The traditional friendship between Vietnam and India originates from their common historical links in culture, religion and trade. It was established and fostered by President Ho Chi Minh and Prime Minister Jawaharlal Nehru and by other generations of leaders and people of the two countries. The traditional friendship and comprehensive cooperation between Vietnam and India has developed significantly since the two countries established their diplomatic ties at an ambassadorial level on January 7, 1972. Vietnam has received valuable assistance from India in its post-war reconstruction process and its current economic development. Bilateral ties in politics, security and national defence have also developed well through high-level visit exchanges. Economically, two-way trade has increased by 20 percent per annum in recent years from … [Read more...] about Vietnam, India look to close, trustworthy partnership
Vietnam new impressions
{mosimage}The website of British Broadcasting Corporation (BBC) has issued Graig Doyles notes about Vietnam tourism after his recent trip to the country. He said the Vietnamese tourism industry is developing and capable of attracting tourists. Nhan Dan Online introduces his notes as follow: After an 18-hour journey, first impressions of Vietnam are bound to be somewhat bizarre. At 5.30am in Hanoi, the capital of Vietnam, most of the city's two million people seem to be up and about taking their morning constitutional. Hanoi was the starting point for a journey which took Craig around north and central Vietnam. The area saw some of the heaviest fighting during the war and has only relatively recently opened up to tourism. Get mobile on a moped Vietnam is one of the remaining Communist countries in the world, but if you didn't know it when you arrived, you would never have guessed it. Until recently there were only bicycles. Now, there are mopeds by the thousand. High-rise office blocks … [Read more...] about Vietnam new impressions
Vietnam joins "ASEAN Cultural Diversity Conference" in Bangkok
(Cinet)- "ASEAN Cultural Diversity Conference" opened in Bangkok Capital, Thailand, with the participation of diplomatic officials, scholars from ASEAN member countries on August 2. The conference, jointly organised by the Institute of Language, Arts and Culture, under the General University of Rajabhat in Bangkok, Thailand, and the Ministry of Culture, focused on main themes, such as cultural diversity and World heritages in ASEAN member countries, Culture and social sustainable development and Food for healthy life style. According to researchers, the understanding of diversified ethnic, languages, cultures and religions as well as different ways of life will contribute to building a strong ASEAN community. Vietnamese ambassador to Thailand Ngo Duc Thang opened a Vietnam Culture stall on the campus of Susan Dusit Rajabhat University, which displayed the national flag, pictures on Vietnam's landscape and people, a collection of ao dai (traditional long dresses), … [Read more...] about Vietnam joins "ASEAN Cultural Diversity Conference" in Bangkok
Deputy Minister Ho Anh Tuan greets a group of Committee of Education, Youth and Sports discussing about religion, culture and tourism in Cambodia
(Cinet) - On the morning of March 02, in a head office of the MOCST, Deputy Minister Ho Anh Tuan had a meeting and worked with a group of Committee of Education, Youth and Sports discussing about Religion. Culture and Tourism. In the regards of tourism, Cambodia tends to learn from Vietnam's experience about attracting to domestic and foreign tourists with over 5 million international ones coming to Vietnam in 2010. Addressing at the meeting, the Deputy Minister of the MOCST Ho Anh Tuan stated that culture is a national identity in the process of integration nowadays. Vietnam and Cambodia has some similarities about culture, which is a basic advantage in corporation and development between two countries. In 2011, Vietnam will continue to enhance what Vietnam has gained in 2010 and focus on developing tourism as a main sector. At the end of the meeting, Both Vietnam and Cambodia expect to promote the corporation between two countries in terms of cultures, sports and tourism as a … [Read more...] about Deputy Minister Ho Anh Tuan greets a group of Committee of Education, Youth and Sports discussing about religion, culture and tourism in Cambodia


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Hi Terence, first off I would like to say that an interesting and thorough review. The fact that you go into so much detail about Funnel hacks, both the pro's and the con's really makes me believe in it and you. It sounds like something I will definitely consider as soon as I get my own product to sell (which I am still working on at the minute). And if it works then it's worth every penny I say.
Their homepage has an interesting graphic. It's the first step of the sales funnel. A branding line similar to Mint.com's, MailChimp's slogan Being yourself makes all the difference really has nothing to do with the tool. That might be a good thing. It's aspirational marketing not unlike Grasshopper above. It's about identity, freedom, and self-expression — ideas that are bigger than a product.
LeadPages is *not* the same thing as your email marketing software, such as Mailchimp, ConvertKit, or Infusionsoft. LeadPages helps you get more subscribers, but does not allow you to send regular emails to your list. So, LeadPages can be used to grow your email list and then you can use another service to communicate with that list. Make sense? In that case, why would someone want to use LeadPages? Because they offer tons of templates to help you make high-converting landing pages and allow you to easily send content upgrades.
The Funnel Hacks webinar is for the serious marketer who wants to use the Click Funnels software and take their business to the highest level with state of the art training. There are several hours of training included in this system, including some of the upsell training (as mentioned above,) and a full 6 month free membership to the Click Funnels Etison software included with this package deal.
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What About Custom Domains? Please Say Unlimited... - YES. Unlimited. Custom. Domains. In summary, it's a pretty massive offering if you think about. Create as many funnels as you want, with as many pages as you want, have as many visitors as you want, unlimited contacts, and all those funnels can have a custom domain (AKA "vanity URL" or "branded URL"). Pretty Suite, right?! (that was lame. Pretty SWEET...get it?). FREE means FREE...And You Can Enjoy a ClickFunnels Trial for 14 Days Before You Pay a Dime. CLICK HERE and Check It Our For Yourself
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That small PDF symbol over the feature image helps set expectations for what format the download will be in. The arrow in front of the subheadline helps further direct your attention to important copy they want visitors to read. Like IMPACT, they also have an auto-checked box to subscribe to their newsletter on their form -- which, if turned into an opt-in check box, is a great way to increase subscribers. All of these small, seemingly insignificant details help bring together a solid, admirable landing page design.
Or, are you a leader, an adventurer or an evangelist? How you position yourself is entirely up to you, but your message must be consistent throughout your entire "pitch" and it needs to be steeped in the truth. Your backstory, and just how you convey that through parables, character flaws and polarity, has much to do with just how well you can "hook" in your prospects to create a mass movement.
Transacted: A sale has transpired when a contract is signed by both parties. From a salesperson's perspective, the fulfillment of the contract is the responsibility of other parts of the organization, and the salesperson can now focus on the next opportunity. In the case of early-stage start-ups, however, frequently the person that sells is also involved in fulfilling the contract. A signed contract can be booked as revenue from an accounting perspective.
This is definitely a great investment to get when you can afford to pay for it. If not, get the Dotcom Secrets and Expert Secrets book for a starter as those cover quite a few things that is inside Funnel Hacks as well, and it is at a much lower cost as well. You'll definitely learn a lot from those books combined with what you learn in Wealthy Affiliate.
The first helps direct attention to the goal of the page -- for you to fill out the form -- in a way that's unobtrusive and feels less like a chore. The second gives this page an SEO boost (search engines will have more content to crawl) and assuages any worry from folks who need to know more about a piece of content before handing over their information, all while not distracting people from the chat window.


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Vacating house is exciting, but leaving your family members and living someplace brand-new can be overwhelming also. Get some suggestions on just how to handle the shift to a brand-new place, including what to do if you're locating things truly challenging.
This can help if:
you're thinking about vacating residence
you're about to leave house for the very first time
you desire help with determining whether or not to move out.
Moving boxes around
Should I remain or should I go?
When you start to intend leaving home, it's a good concept to think through all the important things you require to do to prepare. Things you need to select prior to leaving residence might consist of:
' Do I want to go?'
You might be moving to study, to attempt something new, for job, or to feel more independent. Whatever the reason, make sure that leaving house is the ideal choice for you. If you feel pressured by other people to leave, speak with them regarding why you wish to stay. Perhaps suggest another time in the future to leave, when you'll be better prepared and extra comfy with the suggestion.
' Do I have someplace risk-free to live?'
If you're over 18 and have a secure revenue, you can possibly relocate into shared holiday accommodation with pals, check out renting your own area or sign up with a current share house via a website like Roommate Finders. Nevertheless, if you're under 18, your age may make it hard to lease a house or authorize a lease.
If you're leaving house because of family members dispute or misuse, after that there are refuges and also supported accommodation solutions that may be readily available to you.
' Do I have sufficient money to sustain myself?'
Find out about making a spending plan to see how much loan you'll need weekly to pay the rent and also purchase what you require. If you don't work or are still examining, you might be eligible for social protection payments. Get in touch with your nearest Centrelink office to figure out what benefits you're qualified to obtain.
Dealing with the change
It's difficult to get used to being away from the people you're closest to as well as the settings you're most acquainted with. It's have a peek at these guys regular to feel isolated, lonesome and also bewildered when you move away from family and friends.
Here are some methods to aid you readjust:
Find new methods to interact. Keeping in get in touch with when you relocate far from friends and family takes additional initiative. Facebook, e-mails, messages, Skype and telephone call are all very easy, instant means to keep in touch.
Plan ahead. Plan times in advancement to meet up with the people you've moved away from. It gives you something to look forward to. Suggest a reunion celebration with old close friends, or make a supper appointment for 2 so you as well as a companion can catch up the next time you're in community.
Obtain included. An excellent method to satisfy new people and also make brand-new close friends is to obtain associated with activities in your area that passion you, such as sporting activity, music, community services, and so on
. Produce your own room. Bring a little bit of house to your new residence. Familiar posters, your favorite doona, cherished photos, and so on, will certainly be assuring and make you really feel much more comfy.
Exercise some coping strategies these are one-of-a-kind things that make you really feel much better and a lot more in control. Read more concerning dealing here.
Offer it time. Moving far from friends and family is a huge thing, as well as it takes time to get made use of to. When you're extra acquainted with your new routines and also start to make new close friends, it's most likely that being away will start to really feel easier.
If you're still finding it hard
Talking to people regarding just how you're feeling can be truly practical when you're finding things hard, so raise what's happening with someone you count on, such as a good friend or family member.
- 10 Visitors


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round lodge area rugs rug designs safavieh chelsea leopard black brown indoor handcrafted giant cream next mats toilet ikea outdoor bedroom throw burnt orange kitchen yellow for
The appearance of artificial carpets is not as rich as wool rugs but is considerably more attractive today compared to they were in the past. In eating locations, you'll desire a rug at least 4 feet much longer and also bigger than your table, which would certainly enable diners to press their chairs away from the table without slipping off the rug. In locations where the carpets will serve as an area for feet to relax while resting in discussion locations, choose carpets that are at the very least as large as the open area in front of chairs and also sofas. You could let the size of the carpet identify the dimension and affection of that location or you could place your conversation area/s as you desire and also then get a carpet to fit that room. Carpet pads extend the life of your carpets given that rugs put on from the base up; the pads cushion the carpet from the tough floor listed below.
Develop an intimate discussion area by drawing attention to a certain area of the room, enhancing the focus factor and cosiness of that area by using a lovely round area rug in developing an inviting room.
Grandma's big heirloom rug could go under the bed or be a focal factor in any kind of space. Any kind of area rug could be put on either side of the bed as well as another could be placed in the center of your seating area, ought to your master bedroom have one. Depending on the thickness and also condition of the rug establishes if you make use of a slim waffle clutching pad or thicker felt pad over the hardwood flooring.
A round rug is the best service to visually opening up a tiny area, making small rooms really feel bigger. They are especially great for apartment living. The circular nature normally softens the hard sides of furnishings, producing attractive as well as defined pools of area.
If you are questioning where you can find an excellent wool location carpet, there are plenty of areas on the internet that will certainly aid you find a rug that meets your choice criteria. It is recommended that you look online for a good area rugs as well as compare the costs of the finest carpets that you located online to rugs that you discovered at interior-décor and home-interior shops.
Pads for location carpets comes in many kinds and also have many usages. Some of the offered pads are gripping pads that don't allow the rug skid, felt for added softness (in some areas really felt could make a rug slide or relocate about unless you have a hefty piece of furniture on it), polyurethane, or sponge rubber. Each of these pads has an usage and also reason for this use.
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'Twas the night before Christmas
And all through the house
The children were crying
And so was the mouse.
When all seemed lost
Christmas ruined again
Soft footsteps pad up to you
In all the mayhem
"I love you, Mommy."
Perfect Christmas after all.
Before Thanksgiving we begin to talk about the busy, hectic holiday season. For some of us, it's so bad we don't look forward to the joy of time with family and friends. By the time Christmas Eve is here, we're ready to run away from all of it.
This is not the Christmas we remember, right? When we were children everything seemed to be joyful and flawless. I do remember one year as a child when our family was so busy with an event at our church that we ended up wrapping presents late on Christmas Eve. I'm sure my mom was tired and tense many years. Childhood memories don't recall those days.
It was different even twenty years ago. We didn't feel compelled to take part in every activity or go to every party. There were fewer distractions, such as video games, movies available on T.V., or ever-present mobile device demanding attention.
There was a time when families with small children were somehow exempt from the chaos of holiday events. Now we all feel obligated to do it all. Otherwise we're depriving our child of … of what?
Now, it's the night before Christmas and your house feels like anything but the famed poem. Chaos reigns, children cry, you are cranky. It is possible to change it and reclaim the joy we long for.
· Limit activities. It may be Christmas Eve already, but it's alright to call the neighbor and say your family is tired and needs to skip the hot chocolate, cookie, caroling waiting-for-Santa party.
· Maintain routine. Our little ones thrive on routine. They feel more secure when lunch is about the same time each day and bedtime activities are predictable. While we're talking about it, they and you need their regular bedtime. Don't be afraid to leave the cookie exchange to get those kiddos in bed at their regular time.
· Limit screen time. Every Christmas movie ever made is now available in our living rooms. We don't have to watch them all before Christmas Day. If your family really enjoys It's a Wonderful Life and it calms the little ones or gives you a few moments of relaxation, go for it. If it gets too late, go to bed. You can always watch it after Christmas.
While you're at it, put your phone on silent. Nothing can disrupt the hanging of the stockings more than a little electronic device screaming at you.
· Change expectations. The soft lightning highlighted the tall, full tree with symmetrical decorations. Gifts wrapped in matching paper and ribbon sat beneath. The soft voice of a child recites the Christmas story while the family sits around the glow of a fire.
This is the expectation. When it turns out more like the Griswald family Christmas, we become stressed, cranky, and depressed. We all have visions of a Hallmark Christmas. And it rarely happens. When we lower our expectations everyone in the family relaxes, and there are fewer mishaps. Let's face it, when we don't expect a gloriously brown turkey, the lopsided one won't matter.
One year leading up to the perfect Christmas dinner, I baked numerous pies. A feat of its own; I hate to bake. The next morning, I found that the cat ate out the middle of the pie. After a few moments of terror, I covered the pie with whipped cream and all was well. Perfect pie.
Expectations placed on us by others are harder. When you decide the children's Christmas play at church is more than your family can handle, others can cause guilt. Sometimes other family members have expectations we can't meet. These are the hardest. If it's important to you to meet those expectations, then change something elsewhere.
The final expectation is gifts. Have you always tried to make gifts for all the aunts and uncles? Do they finally get them for Memorial Day? And what about the ever-present push for our children to have every new toy or device? I gave up making gifts after the birth of my second child. I no longer had time to do it and still tend my kiddos.
When you limit television time, your children won't be seeing the ads for all the glittery, must-have new things.
· Create traditions. No presents were put under our tree until the nativity scene was in place. The set used has been in my family for decades. This was one way we combined our family tradition with a longtime tradition. Family traditions are important. They provide a sense of stability and a bond of family. Create your own family traditions.
· Rest. I know this sounds like a pipe dream with excited little ones and cookies to bake. It's important to plan a time to rest for both our little ones and ourselves. If we know there is going to be an unusually late evening, it's doubly important.
As you sit this evening watching family open gifts or attend a special holiday event, take time to cherish your loved ones. This moment will never be again. The memory of a calm pleasant Christmas Eve and not-quite-so-perfect Christmas dinner will be forever.
Susan K. Stewart is known for practical solutions to real-world situations. She has published five books, including the Science in the Kitchen: Fearless Science for All Ages and Preschool: At What Cost?. She also teaches workshops for moms and homeschoolers online and in person. Susan lives in Central Texas with her husband, Bob, three dogs, three cats, nine chickens, and two donkeys. The Stewarts have three children and five grandchildren. You can read more of Susan's practical solutions at http://www.practicalinspirations.com. Join Susan at Harried Homeschoolers Facebook group.


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My friends didn't get tickets so er, not sure I'm going.
Glastonbury 2019
Got through to registration loads but it always crashed at that point. Not a single pal got one though so feel less bad.
Enjoy drinking Costa at Glastonbury.
I hear it's going to be shit anyway and only shit bands will be playing and everyone who goes will definitely shit themselves
Literally one of the worst takes I've ever read but congrats on peak DiS-ing yourself, I guess.
Blimey, if that's the worse take you've read on here, you're doing well
I don't know how I keep lucking out with these ticket sales but I've done it again. Congrats to all those who got tickets.
Anybody who didn't, don't worry, it's overrated, overcrowded, overpriced. Much better festivals in Europe, or just go to Green Man or End Of The Road.
I didn't get past the holding page. First year I've not got tickets. Bummer.
got one, get in
After swearing blind I wasn't going this year, I am.
Glastonbury number 12 on the way. I'd still rather Blue Dot.
Surprising that even after a really muddy one it sells out in record time. I wrongly assumed the mud memories would put some people off. The general 'vibe' of this thread had me thinking it'd be a bit of a harder sell this year. Seems like only recently (the Jay Z year?) it didn't sell out.
The Jay-Z one was 10 years ago!
Last year was nearly-perfect weather which probably helps people's buzz for it.
Yeah that's recently to me, I mean in the last 5-10 years.
Yeah I was forgetting there had been one since Brexit-year.
Failed for the second time running (after 22 years of succeeding).
Enjoying the annual set of hot takes on the festival from people who have never been and have absolutely no idea what it represents.
Enjoy [checks notes] Every single band playing the main stages at EotR and Green Man at The Park stage.
E: also a few on other stages
Managed to get tickets in the end. So glad I won't have to enter Glastonbury into the terrible festivals thread.
Failed for like the 6th time running. Plus coach ticket tries. Plus resale tries. Don't even want to go that much, just get FOMO every year and get roped into trying


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The hexadecimal color code #ab9c32 is a shade of yellow. In the RGB color model #ab9c32 is comprised of 67.06% red, 61.18% green and 19.61% blue. In the HSL color space #ab9c32 has a hue of 53° (degrees), 55% saturation and 43% lightness. This color has an approximate wavelength of 573.41 nm.
A man paints with his brains and not with his hands.

…

I wish they would only take me as I am.

…

I invent nothing, I rediscover.

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Diet Sabya shares the real reason behind deleting its post on Sonam Kapoor's Anamika...
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In case you missed it, we've been on a social media roller coaster with Diet Sabya, Indian fashion industry's biggest watchdog on Instagram. On Friday, the anonymous Instagram account posted side-by-side comparisons of fashion designer Anamika Khanna's "AK-OK" design and Air Jordon sneakers inspired by Vogue editor-in-chief Anna Wintour's "AWOK" signature.
The fashion observer's post featured actor Sonam Kapoor's look from Isha Ambani and Anand Piramal's wedding in Mumbai on December 12. Diet Sabya's Instagram account, boasting more than 1.3 lakh followers, is known for exposing egregious (#gandi) copies in the fashion world.


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Multi-sensor Interactive Systems for Embodied Learning Games
This paper explores the use of modern sensor technologies for physical interaction in educational games and interactive spaces. The paper presents a prototype of an educational game developed using a motion capture controller and two biofeedback sensors (EEG, ECG), proposing a generic architecture for multi-sensor interactive spaces. Target of this research is to study further the potential effect of such technologies on educational interactive games, in two aspects: i) on the involvement of human body and motion in the process of learning, and recall of knowledge, ii) on assisting the development of basic social emotional competencies, through the enhanced social affordances of embodied games.
Keywordsmulti-sensor systems educational games embodied learning physical interaction motion interaction interactive spaces affective interaction biofeedback sensors
Unable to display preview. Download preview PDF.
- 1.Dourish, P.: Where the action is: The foundations of embodied interaction. MIT Press, Cambridge (2001)Google Scholar
- 2.Lindley, S.E., Couteur, J.L., Berthouze, N.L.: Stirring up experience through movement in game play: effects on engagement and social behaviour. In: Proceedings of the Twenty-sixth Annual SIGCHI Conference on Human Factors in Computing Systems (CHI 2008), pp. 511–514. ACM, New York (2008)CrossRefGoogle Scholar
- 3.Johnson-Glenberg, M.C., Birchfield, D., Savvides, P., Megowan-Romanowicz, C.: Semi-virtual Embodied Learning – Real World STEM Assessment. In: Annetta, L., Bronack, S. (eds.) Serious Educational Game Assessment: Practical Methods and Models for Educational Games, Simulations and Virtual Worlds, pp. 225–241. Sense Publications, Rotterdam (2010)Google Scholar


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Clean energy investment in 2018 drops on lower solar costs - BNEFJan 17, 2019 13:29 CEST
January 9 (Renewables Now) – Danish wind turbine manufacturer Vestas Wind Systems A/S (CPH:VWS) today announced it has become the first company to reach 100 GW of installed wind turbines.
The V110-2.0 MW turbine that marked the milestone was installed at end-2018 in Iowa where Vestas has been participating in the long-gestating Wind XI project of US utility MidAmerican Energy Company. The capacity of the wind power complex will reach up to 2 GW. It consist of multiple sites placed into service between 2017 and 2019.
The 100-GW threshold coincides with Vestas celebrating 40 years in business, a journey that started with a V10-30 kW turbine in Denmark in 1979. Four decades later, Vestas has more than 66,000 turbines installed in around 80 countries. It largest onshore wind model today is the V150-4.2 MW.
Clean energy investment in 2018 drops on lower solar costs - BNEFJan 17, 2019 13:29 CEST
PV installs grow to 103 GW in 2018 - EnergyTrendJan 17, 2019 11:42 CEST
INTERVIEW - Floating wind power on the path to maturity, an expert's viewJan 17, 2019 11:27 CEST
FERC data suggest new renewable capacity in US could be 4x greater than fossil fuels by 2021Jan 16, 2019 9:52 CEST
Cuomo proposes greater offshore wind, solar targets for New YorkJan 16, 2019 9:08 CEST
Masdar buying John Laing's interest in 179 MW of US wind farmsJan 16, 2019 8:44 CEST