#...if there is no goal where you have earned unconditional respect and security what is there to do?

[uncanny-tranny]

r u chill w non transitioning ppl?

Why wouldn't I be? At one point, every trans person who is transitioning was once someone who wasn't (whether or not that was a choice or their need is a separate discussion).

Hatred of any kind of trans person is not a Righteous or Good Thing - every single trans person has their place, their entitlement to safety, community, and respect of who they are

[spicynbachili1]

Win a Switch key for Windjammers

Discs of fury

Today’s contest is totally tubular! I think. Win a Switch copy of Windjammers.

I know summer just ended, but why leave the beaches behind? Thanks to Windjammers, you don’t have to!

So pull those thongs between your cheeks and stuff yourself into your Speedos, because we’re giving away some Switch keys of this bodacious disc attack game!

Windjammers is the hot new competitive disc throwing game that’s actually like 25 years old and not new at all. But it’s still pretty hot! Use your bulging ’90s muscles to hurl flying discs at your enemies’ goal to rack up points and earn the win. It’s a weirdly perfect mix of a sports game and a fighting game — one of those things that probably shouldn’t work but actually does. Like peanut butter and celery. It’s competitive, it’s addictive, and gosh darn it, it’s actually pretty damn good.

Also totally ’90s, which is rad.

To enter for your chance to win, give us your favorite ’90s memory. If you’re not old enough to remember the ’90s, tell us one thing that strikes you as totally ’90s. I remember when the first kid in our school got a pager, and the rest of us thought he was the most important person on the face of the planet. A pager. Damn, that’s the ’90s.

We have five Switch keys to give out to some totally awesome winners. Our keys are for North American eShop accounts only. Make sure to comment using a Dtoid account that has your current email address on file. If I can’t email you, I’ll have to page you your key. Don’t make me stoop to that level.

Windjammers is available now on Switch, PS4, PS Vita, Wii Virtual Console, Neo Geo CD, Neo Geo, and arcades.

You are logged out. Login | Sign up

      Official Rules

No Purchase Required to Enter or Win

1. Eligibility: destructoid.com contests are usually provided by sponsors who, due to customs and shipping costs (yay budgets), often limit participation to individuals who are legal residents of the fifty (50) United States (unless otherwise stated) and are at least 12 years of age. We encourage our overseas friends to be super sneaky and make a friend in the United States who can receive your prize, and then you two figure out the customs/logistics. Be cautious about who you trust, obviously. Employees of destructoid.com, their advertising or promotion agencies, those involved in the production, development, implementation or handling of Contests, any agents acting for, or on behalf of the above entities, their respective parent companies, officers, directors, subsidiaries, affiliates, licensees, service providers, prize suppliers any other person or entity associated with the Contests (collectively “Contest Entities”) and/or the immediate family (spouse, parents, siblings and children) and household members (whether related or not) of each such employee, are *not* eligible and will be fired and publicly beaten if are caught participating. All U.S., federal, state and local and regulations apply.

2. Agreement to Official Rules: Participation in the Contest constitutes entrant’s full and unconditional agreement to and acceptance of these Official Rules and the decisions of the Sponsor, which are final and binding. Winning a prize is contingent upon fulfilling all requirements set forth herein.

3. Entry Period: The start and end dates/times of each Contest (the “Entry Period”) will be posted on the applicable Contest site.

4. Entry: To enter a Contest, follow the instructions on the Contest site. Submission will result in one (1) entry. The number of times you can enter the Contest will be posted on the applicable Contest site. The use of any agencies or automated software to submit entries will void all entries submitted by that person, with the exception of patron members who may enter contests by logging into their ‘perks’ page.

5. Drawing: Unless otherwise specified in the contest details above, we will select the names of the potential winners in a random drawing of all eligible entries received during each Entry Period. The number of winners to be selected in a specific Contest will be posted on the applicable Contest site. The odds of being selected as a potential winner depend on the number of eligible entries received during the Entry Period. Potential winners will be contacted via email and will be asked to provide their full name, age and mailing address within a specified time period. If a potential winner does not respond within the timeframe stated in the notification email, we may select an alternate potential winner in his/her place at random from all entries received during the Entry Period. Limit one (1) prize per household per Contest.

6. Requirements of the Potential Winners: Winners will be notified by the e-mail address associated with their account on destructoid.com and/or receive a Private Message on destructoid.com or through a Twitter Direct Message/Facebook message. Winners have five (5) days from the original message alerting them of their winnings to respond and claim their prize. If no winner comes forward within five business days, the prize will be forfeited and raffled again where destructoid’s hardcore fans are most active (social media).

7. Prize(s): The prize(s) (including each prize’s approximate retail value) available to be won in a specific Contest will be posted on the Contest site. No cash or other substitution may be made, except by the Sponsor, who reserves the right to substitute a prize with another prize of equal or greater value if the prize is not available for any reason as determined by the Sponsor in its sole discretion. The winners are responsible for any taxes and fees associated with receipt or use of a prize. Prizes will be mailed between 1 to 45 business days after winners have replied with their required info.

8. General Conditions: In the event that the operation, security, or administration of the Contest is impaired in any way for any reason, including, but not limited to fraud, virus, or other technical problem, the Sponsor may, in its sole discretion, either: (a) suspend the Contest to address the impairment and then resume the Contest in a manner that best conforms to the spirit of these Official Rules; or (b) award the prizes at random from among the eligible entries received up to the time of the impairment. The Sponsor reserves the right in its sole discretion to disqualify any individual it finds to be tampering with the entry process or the operation of the Contest or to be acting in violation of these Official Rules or in an unsportsmanlike or disruptive manner. Any attempt by any person to undermine the legitimate operation of the Contest may be a violation of criminal and civil law, and, should such an attempt be made, the Sponsor reserves the right to seek damages from any such person to the fullest extent permitted by law. The Sponsor’s failure to enforce any term of these Official Rules shall not constitute a waiver of that provision. In case of a dispute as to the owner of an entry, entry will be deemed to have been submitted by the authorized account holder of the screen name from which the entry is made. The authorized account holder is defined as the natural person who is assigned to an e-mail address by an Internet access provider, online service provider, or other organization responsible for assigning e-mail addresses for the domain associated with the submitted e-mail address.

9.Release and Limitations of Liability: By participating in the Contest, entrants agree to release and hold harmless the Contest Entities from and against any claim or cause of action arising out of participation in the Contest or receipt or use of any prize, including, but not limited to: (a) unauthorized human intervention in the Contest; (b) technical errors related to computers, servers, providers, or telephone or network lines; © printing errors; (d) lost, late, postage-due, misdirected, or undeliverable mail; (e) errors in the administration of the Contest or the processing of entries; or (f) injury or damage to persons or property which may be caused, directly or indirectly, in whole or in part, from entrant’s participation in the Contest or receipt of any prize. Entrant further agrees that in any cause of action, the Contest Entities’ liability will be limited to the cost of entering and participating in the Contest, and in no event shall the Contest Entities be liable for attorney’s fees. Entrant waives the right to claim any damages whatsoever, including, but not limited to, punitive, consequential, direct, or indirect damages.

10. Disputes: Except where prohibited, entrant agrees that any and all disputes, claims and causes of action arising out of, or connected with, the Contest or any prize awarded shall be resolved individually, without resort to any form of class action. All issues and questions concerning the construction, validity, interpretation and enforceability of these Official Rules, entrant’s rights and obligations, or the rights and obligations of the Sponsors in connection with the Contest, shall be governed by, and construed in accordance with, the laws of the Commonwealth of Virginia, without giving effect to any choice of law or conflict of law rules (whether of the Commonwealth of Virginia or any other jurisdiction), which would cause the application of the laws of any jurisdiction other than the Commonwealth of Virginia.

11. Contest Results: To enter the contest without needing to buy/sell anything or request a written copy of the name of the winners, send a self-addressed stamped envelope (stating the specific Contest you are requesting the winners for) to destructoid.com Contest Winners, 548 Market Street #59757, San Francisco, CA 94104 USA. We run many contests, so please be specific in what you are requesting. Winner requests must be received within thirty (30) days from the end date of the applicable contest (they’re always posted on our site though). Winners are usually posted the day following the contest on our contest section.

Lastly, destructoid has the right to kick your ass and take away your prize if you are a total dick, so be cool and don’t kick any puppies on your way to victory. Have fun with our contests and be a good sport when you win or lose. Remember: First you get the power, then you get the money, then get the baby.

      from SpicyNBAChili.com http://spicymoviechili.spicynbachili.com/win-a-switch-key-for-windjammers/

[solarpunk-gnome]

(via Why we should all have a basic income – World Economic Forum – Medium)

Consider for a moment that from this day forward, on the first day of every month, around $1,000 is deposited into your bank account — because you are a citizen. This income is independent of every other source of income and guarantees you a monthly starting salary above the poverty line for the rest of your life.

What do you do? Possibly of more importance, what don’t you do? How does this firm foundation of economic security and positive freedom affect your present and future decisions, from the work you choose to the relationships you maintain, to the risks you take?

The idea is called unconditional or universal basic income, or UBI. It’s like social security for all, and it’s taking root within minds around the world and across the entire political spectrum, for a multitude of converging reasons. Rising inequality, decades of stagnant wages, the transformation of lifelong careers into sub-hourly tasks, exponentially advancing technology like robots and deep neural networks increasingly capable of replacing potentially half of all human labour, world-changing events like Brexit and the election of Donald Trump — all of these and more are pointing to the need to start permanently guaranteeing everyone at least some income.

A promise of equal opportunity

“Basic income” would be an amount sufficient to secure basic needs as a permanent earnings floor no one could fall beneath, and would replace many of today’s temporary benefits, which are given only in case of emergency, and/or only to those who successfully pass the applied qualification tests. UBI would be a promise of equal opportunity, not equal outcome, a new starting line set above the poverty line.

It may surprise you to learn that a partial UBI has already existed in Alaska since 1982, and that a version of basic income was experimentally tested in the United States in the 1970s. The same is true in Canada, where the town of Dauphin managed to eliminate poverty for five years. Full UBI experiments have been done more recently in places such as Namibia, Indiaand Brazil. Other countries are following suit: Finland, the Netherlands and Canada are carrying out government-funded experiments to compare against existing programmes. Organizations like Y Combinator and GiveDirectly have launched privately funded experiments in the US and East Africa respectively.

I know what you’re thinking. It’s the same thing most people think when they’re new to the idea. Giving money to everyone for doing nothing? That sounds both incredibly expensive and a great way to encourage people to do nothing. Well, it may sound counter-intuitive, but the exact opposite is true on both accounts. What’s incredibly expensive is not having basic income, and what really motivates people to work is, on one hand, not taking money away from them for working, and on the other hand, not actually about money at all.

Basic income in numbers

What tends to go unrealized about the idea of basic income, and this is true even of many economists — but not all — is that it represents a net transfer. In the same way it does not cost $20 to give someone $20 in exchange for $10, it does not cost $3 trillion to give every adult citizen $12,000 and every child $4,000, when every household will be paying varying amounts of taxes in exchange for their UBI. Instead it will cost around 30% of that, or about $900 billion, and that’s before the full or partial consolidation of other programmes and tax credits immediately made redundant by the new transfer. In other words, for someone whose taxes go up $4,000 to pay for $12,000 in UBI, the cost to give that person UBI is $8,000, not $12,000, and it’s coming from someone else whose taxes went up $20,000 to pay for their own $12,000. However, even that’s not entirely accurate, because the consolidation of the safety net and tax code UBI allows could drive the total price even lower.

Now, this idea of replacing existing programmes can scare some just as it appeals to others, but the choice is not all or nothing: partial consolidation is possible. As an example of partial consolidation, because most seniors already effectively have a basic income through social security, they could either choose between the two, or a percentage of their social security could be converted into basic income. Either way, no senior would earn a penny less than now in total, and yet the UBI price tag could be reduced by about $220 billion. Meanwhile, just a few examples of existing revenue that could and arguably should be fully consolidated into UBI would likely be food and nutrition assistance ($108 billion), wage subsidies ($72 billion), child tax credits ($56 billion), temporary assistance for needy families ($17 billion), and the home mortgage interest deduction (which mostly benefits the wealthy anyway, at a cost of at least $70 billion per year). That’s $543 billion spent on UBI instead of all the above, which represents only a fraction of the full list, none of which need be healthcare or education.

So what’s the true cost?

The true net cost of UBI in the US is therefore closer to an additional tax revenue requirement of a few hundred billion dollars — or less — depending on the many design choices made, and there exists a variety of ideas out there for crossing such a funding gap in a way that many people might prefer, that would also treat citizens like the shareholders they are (virtually all basic research is taxpayer funded), and that could even reduce taxes on labour by focusing more on capital, consumption, and externalities instead of wages and salaries. Additionally, we could eliminate the $540 billion in tax expenditures currently being provided disproportionately to the wealthiest, and also some of the $850 billion spent on defence.

Universal basic income is thus entirely affordable and essentially Milton Friedman’s negative income tax in net outcome (and he himself knew this), where those earning below a certain point are given additional income, and those earning above a certain point are taxed additional income. UBI does not exist outside the tax system unless it’s provided through pure monetary expansion or extra-governmental means. In other words, yes, Bill Gates will get $12,000 too but as one of the world’s wealthiest billionaires he will pay far more than $12,000 in new taxes to pay for it. That however is not similarly true for the bottom 80% of all US households, who will pay the same or less in total taxes.

To some, this may sound wasteful. Why give someone money they don’t need, and then tax their other income? Think of it this way: is it wasteful to put seat belts in every car instead of only in the cars of those who have gotten into accidents thus demonstrating their need for seat belts? Good drivers never get into accidents, right? So it might seem wasteful. But it’s not because we recognize the absurd costs of determining who would and wouldn’t need seat belts, and the immeasurable costs of being wrong. We also recognize that accidents don’t only happen to “bad” drivers. They can happen to anyone, at any time, purely due to random chance. As a result, seat belts for everyone.

The truth is that the costs of people having insufficient incomes are many and collectively massive. It burdens the healthcare system. It burdens the criminal justice system. It burdens the education system. It burdens would-be entrepreneurs, it burdens both productivity and consumer buying power and therefore entire economies. The total cost of all of these burdens well exceeds $1 trillion annually, and so the few hundred billion net additional cost of UBI pays for itself many times over. That’s the big-picture maths.

The real effects on motivation

But what about people then choosing not to work? Isn’t that a huge burden too? Well that’s where things get really interesting. For one, conditional welfare assistance creates a disincentive to work through removal of benefits in response to paid work. If accepting any amount of paid work will leave someone on welfare barely better off, or even worse off, what’s the point? With basic income, all income from paid work (after taxes) is earned as additional income so that everyone is always better off in terms of total income through any amount of employment — whether full time, part time or gig. Thus basic income does not introduce a disincentive to work. It removes the existing disincentive to work that conditional welfare creates.

Fascinatingly, improved incentives are where basic income really shines. Studies of motivation reveal that rewarding activities with money is a good motivator for mechanistic work but a poor motivator for creative work. Combine that with the fact that creative work is to be what’s left after most mechanistic work is handed off to machines, and we’re looking at a future where increasingly the work that’s left for humans is not best motivated extrinsically with money, but intrinsically out of the pursuit of more important goals. It’s the difference between doing meaningless work for money, and using money to do meaningful work.

Basic income thus enables the future of work, and even recognizes all the unpaid intrinsically motivated work currently going on that could be amplified, for example in the form of the $700 billion in unpaid workperformed by informal caregivers in the US every year, and all the work in the free/open source software movement (FOSSM) that’s absolutely integral to the internet.

There is also another way basic income could affect work incentives that is rarely mentioned and somewhat more theoretical. UBI has the potential to better match workers to jobs, dramatically increase engagement, and even transform jobs themselves through the power UBI provides to refuse them.

A truly free market for labour

How many people are unhappy with their jobs? According to Gallup, worldwide, only 13% of those with jobs feel engaged with them. In the US, 70% of workers are not engaged or actively disengaged, the cost of which is a productivity loss of around $500 billion per year. Poor engagement is even associated with a disinclination to donate money, volunteer or help others. It measurably erodes social cohesion.

At the same time, there are those among the unemployed who would like to be employed, but the jobs are taken by those who don’t really want to be there. This is an inevitable result of requiring jobs in order to live. With no real choice, people do work they don’t wish to do in exchange for money that may be insufficient — but that’s still better than nothing — and then cling to that paid work despite being the “working poor” and/or disengaged. It’s a mess.

Basic income — in 100 people

Take an economy without UBI. We’ll call it Nation A. For every 100 working-age adults there are 80 jobs. Half the work force is not engaged by their jobs, and half again as many are unemployed with half of them really wanting to be employed, but, as in a game of musical chairs, they’re left without a chair.

Basic income fundamentally alters this reality. By unconditionally providing income outside of employment, people can refuse to do the jobs that aren’t engaging them. This in turn opens up those jobs to the unemployed who would be engaged by them. It also creates the bargaining power for everyone to negotiate better terms. How many jobs would become more attractive if they paid more money or required fewer hours? How would this reorganizing of the labour supply affect productivity if the percentage of disengaged workers plummeted? How much more prosperity would that create?

Consider now an economy with basic income. Let’s call it Nation B. For every 100 working age adults there are still 80 jobs, at least to begin with. The disengaged workforce says “no thanks” to the labour market as is, enabling all 50 people who want to work to do the jobs they want. To attract those who demand more compensation or shorter work weeks, some employers raise their wages. Others reduce the required hours. The result is a transformed labour market of more engaged, more employed, better paid, more productive workers. Fewer people are excluded, and there’s perhaps more scope for all workers to become self-employed entrepreneurs.

Simply put, a basic income improves the market for labour by making it optional. The transformation from a coercive market to a free market means that employers must attract employees with better pay and more flexible hours. It also means a more productive work force that potentially obviates the need for market-distorting minimum wage laws. Friction might even be reduced, so that people can move more easily from job to job, or from job to education/retraining to job, or even from job to entrepreneur, all thanks to more individual liquidity and the elimination of counter-productive bureaucracy and conditions.

Perhaps best of all, the automation of low-demand jobs becomes further incentivized through the rising of wages. The work that people refuse to do for less than a machine would cost to do it becomes a job for machines. And thanks to those replaced workers having a basic income, they aren’t just left standing in the cold in the job market’s ongoing game of musical chairs. They are instead better enabled to find new work, paid or unpaid, full-time or part-time, that works best for them.

Like a game of musical chairs — with robots

The tip of a big iceberg

The idea of basic income is deceivingly simple sounding, but in reality it’s like an iceberg with far more to be revealed as you dive deeper. Its big picture price tag in the form of investing in human capital for far greater returns, and its effects on what truly motivates us are but glimpses of these depths. There are many more. Some are already known, like the positive effects on social cohesion and physical and mental health as seen in the 42% drop in crime in Namibia and the 8.5% reduction in hospitalizations in Dauphin, Manitoba. Debts tend to fall. Entrepreneurship tends to grow. Other effects have yet to be discovered by further experiments. But the growing body of evidence behind cash transfers in general point to basic income as something far more transformative to the future of work than even its long history of consideration has imagined.

It’s like a game of Monopoly where the winning teams have rewritten the rules so players no longer collect money for passing Go. The rule change functions to exclude people from markets. Basic income corrects this. But it’s more than just a tool for improving markets by making them more inclusive; there’s something more fundamental going on.

Humans need security to thrive, and basic income is a secure economic base — the new foundation on which to transform the precarious present, and build a more solid future. That’s not to say it’s a silver bullet. It’s that our problems are not impossible to solve. Poverty is not a supernatural foe, nor is extreme inequality or the threat of mass income loss due to automation. They are all just choices. And at any point, we can choose to make new ones.

Based on the evidence we already have and will likely continue to build, I firmly believe one of those choices should be unconditional basic income as a new equal starting point for all.

Originally published at weforum.org.

[marcusssanderson]

Michelle Obama Quotes To Inspire More Love and Humanity

Looking for inspirational Michelle Obama Quotes? Here ya go!

Michelle Obama is an American lawyer, university administrator, and writer who’s also the wife of former U.S. President Barack Obama.  She was the First Lady of the United States from 2009 to 2017, becoming the first African-American to serve the role.

During her tenure as First Lady, Obama played a key role in advocating for poverty awareness, education, health, and women empowerment.  As an educated, intelligent, and independent-minded woman, she served as a role model for women and is also considered a fashion icon.

Born in 1964 in Chicago, Illinois, Obama is a graduate of Princeton University and Harvard Law School. Following her graduation from law school, she worked as an associate in the Chicago branch of the firm Sidley Austin, where she met Barack Obama. She married Barack in 1992 and the couple has two daughters.

Michelle played a major role in her husband’s presidential bid, scaling down her own professional work to attend to campaign obligations.

In 2018, Michelle published “Becoming”, her autobiographical memoir where she writes about how experiences from her childhood in Chicago helped guide her life path. The inspirational book quickly became one of the hottest titles of the decade.

A successful lawyer who juggled the roles of being a wife, mother and a professional, Obama has clearly tapped into her Everyday Power. In that respect, here are some powerful inspirational Michelle Obama quotes.

Watch first lady Michelle Obama’s final White House speech

Michelle Obama quotes from her speeches and interviews about life, success, love, and education

1.) “Being president doesn’t change who you are – it reveals who you are.” – Michelle Obama

2.) “How hard you work matters more than how much you make.” – Michelle Obama

3.) “Success doesn’t count unless you earn it fair and square.” – Michelle Obama

4.) “We need to fix our souls. Our souls are broken in this nation. We have lost our way. And it begins with inspiration. It begins with leadership.” – Michelle Obama

5.) “You can’t make decisions based on fear and the possibility of what might happen.”  – Michelle Obama

6.) “My most important title is still “mom-in-chief.” My daughters are still the heart of my heart and the center of my world.”  – Michelle Obama

7.) “Together, we can help make sure that every family that walks into a restaurant can make an easy, healthy choice.” – Michelle Obama

8.) “I hate diversity workshops. “Real change comes from having enough comfort to be really honest and say something very uncomfortable.”  – Michelle Obama

9.) “I think that people are tired. They’re tired of the same old kind of politics. People want a new tone to politics.” – Michelle Obama

10.) “I am so tired of fear. And I don’t want my girls to live in a country, in a world, based on fear.” – Michelle Obama

More Michelle Obama quotes about life, America and our future

11.) “You see, our glorious diversity—our diversity of faiths, and colors and creeds―that is not a threat to who we are, it makes us who we are.” – Michelle Obama

12.) “If you are a person of faith, know that religious diversity is a great American tradition, too. In fact, that’s why people first came to this country: to worship freely. And whether you are Muslim, Christian, Jewish, Hindu, Sikh―these religions are teaching our young people about justice, and compassion, and honesty. So I want our young people to continue to learn and practice those values with pride.” – Michelle Obama

13.) “Do not bring people in your life who weigh you down, and trust your instincts. Good relationships feel good. They feel right. They don’t hurt. They’re not painful. That’s not just with somebody you want to marry, but it’s with the friends you choose. It’s with the people you surround yourself with.”  – Michelle Obama

14.) “We should always have three friends in our lives. One who walks ahead who we look up to and follow; one who walks beside us, who is with us every step of our journey; and then, one who we reach back for and bring along after we’ve cleared the way.”  – Michelle Obama

15.) “My father’s life is a testament to that basic American promise that no matter who you are or how you started out, if you work hard you can build a decent life for yourself and an even better life for your kids.” – Michelle Obama

16.) “To the young people here, and the young people out there: do not ever let anyone ever make you feel like you don’t matter, or like you don’t have a place in our American story—because you do. And you have a right to be exactly who you are. But I also want to be very clear: this right isn’t just handed to you. No, this right has to be earned every single day. You cannot take your freedoms for granted.” – Michelle Obama

17.) “When you are struggling, and you start thinking about giving up, I want you to remember something that my husband and I have talked about since we first started this journey nearly a decade ago—something that has carried us through every moment in this White House and every moment of our lives—and that is the power of hope. The belief that something better is always possible if you’re willing to work for it and fight for it.” – Michelle Obama

Michelle Obama quotes about the American dream

18.) “It is our fundamental belief in the power of hope that has allowed us to rise above the voices of doubt and division, of anger and fear that we have faced in our own lives and in the life of this country. Our hope that if we work hard enough and believe in ourselves, then we can be whatever we dream, regardless of the limitations that others may place on us.” – Michelle Obama

19.) “It’s the hopes of folks like my dad, who got up every day, do his job at the city water plant; the hope that one day his kids would go to college and have opportunities he never dreamed of. That’s the kind of hope that every single one of us—politicians, parents, preachers, all of us—need to be providing for our young people. Because that is what moves this country forward every single day: our hope for the future and the hard work that hope inspires. So that’s my final message to young people as First Lady. It is simple.” – Michelle Obama

20.) “I want our young people to know that they matter. That they belong. So don’t be afraid. Do you hear me? Young people, don’t be afraid. Be focused. Be determined. Be hopeful. Be empowered. Empower yourselves with a good education. Then get out there and use that education to build a country worthy of your boundless promise. Lead by example with hope, never fear, and know that I will be with you, rooting for you and working to support you for the rest of my life.” – Michelle Obama

21.) “For all the young people in this room and those who are watching, know that this country belongs to you—to all of you, from every background and walk of life. If you or your parents are immigrants, know that you are part of a proud American tradition—the infusion of new cultures, talents and ideas, generation after generation, that has made us the greatest country on earth.” – Michelle Obama

22.) “I love that for Barack, there is no such thing as “us” and “them” – he doesn’t care whether you’re a Democrat, a Republican, or none of the above…he knows that we all love our country…and he’s always ready to listen to good ideas…he’s always looking for the very best in everyone he meets.” – Michelle Obama

23.) “Make no mistake about it, whether it’s health care, the economy, education or foreign policy, the choice we make in this election will determine nothing less than who we are as a country — but more importantly, who we want to be. Will we be a country that tells folks who have done everything right but are still struggling to get by, “tough luck, you’re on your own”? Is that who we are?… Or will we honor that fundamental American belief that I am my brother’s keeper, I am my sister’s keeper and if one of us is hurting then we’re all hurting? Who are we? That’s what this election is about.” – Michelle Obama

24.) “Barack and I were both raised by families who didn’t have much in the way of money or material possessions but who had given us something far more valuable – their unconditional love, their unflinching sacrifice, and the chance to go places they had never imagined for themselves.” – Michelle Obama

25.) “We’re here because we believe that everyone in this country should do their fair share, plain and simple. Which means that teachers and firefighters shouldn’t pay higher taxes than millionaires and billionaires. Not in America. We believe that if you work hard, you shouldn’t go bankrupt because someone gets sick. You shouldn’t lose your home because someone loses a job. Not in America. And after a lifetime of hard work, you should be able to retire with some dignity and some security. That’s what we believe.” – Michelle Obama

Michelle Obama quotes about success

26.) “We have this window of opportunity; we have a chance to make something real happen. Something possible happen, to live beyond our fear — think about that, and help us. Help lift us up, help us fight this fight to change — transform — this country in a fundamental way…. This chance won’t come around again.” – Michelle Obama

27.) “You may not always have a comfortable life and you will not always be able to solve all of the world’s problems at once but don’t ever underestimate the importance you can have because history has shown us that courage can be contagious and hope can take on a life of its own.” – Michelle Obama

28.) “One of the lessons that I grew up with was to always stay true to yourself and never let what somebody else says distract you from your goals. And so when I hear about negative and false attacks, I really don’t invest any energy in them, because I know who I am.”  – Michelle Obama

29.) “The arts are not just a nice thing to have or to do if there is free time or if one can afford it. Rather, paintings and poetry, music and fashion, design and dialogue, they all define who we are as a people and provide an account of our history for the next generation.”  – Michelle Obama

30.) “If your family doesn’t have much money, I want you to remember that in this country, plenty of folks, including me and my husband. We started out with very little. But with a lot of hard work and a good education, anything is possible—even becoming President. That’s what the American Dream is all about.” – Michelle Obama

Michelle Obama quotes about education

31.) “Changing the big picture takes time.. and the best things to do is focus on the things that we can make in our lives if we’re doing all that. That becomes the collage of real change”  – Michelle Obama

32.) “It’s easier to hold onto your own stereotypes and misconceptions, it makes you feel justified in your own ignorance. That’s America. So the challenge for us is, are we ready for change?”  – Michelle Obama

33.) “Studying in countries like China isn’t only about your prospects in the global marketplace. It’s not just about whether you can compete with your peers in other countries to make America stronger. It’s also about whether you can come together and work together with them to make our world stronger. It’s about the friendships you make, the bonds of trust you establish and the image of America that you project to the rest of the world.”  – Michelle Obama

34.) “The truth is, in order to get things like universal health care and a revamped education system, then someone is going to have to give up a piece of their pie so that someone else can have more.”  – Michelle Obama

35.) “Women in particular need to keep an eye on their physical and mental health, because if we’re scurrying to and from appointments and errands, we don’t have a lot of time to take care of ourselves. We need to do a better job of putting ourselves higher on our own ‘to do’ list.”  – Michelle Obama

36.) “Barack and I were raised with so many of the same values, like you work hard for what you want in life. That your word is your bond; that you do what you say you’re going to do. That you treat people with dignity and respect, even if you don’t know them and even if you don’t agree with them.”  – Michelle Obama

37.) “I come here tonight as a sister, blessed with a brother who is my mentor, my protector and my lifelong friend. And I come here as a wife who loves my husband and believes he will be an extraordinary president.” – Michelle Obama

38.) “Although the circumstances of our lives may seem very disengaged, with me standing here as the First Lady of the United States of America and you just getting through school, I want you to know we have very much in common. For nothing in my life ever would have predicted that I would be standing here as the first African-American First Lady.” – Michelle Obama

39.) “Being your First Lady has been the greatest honor of my life, and I hope I’ve made you proud.” – Michelle Obama

Michelle Obama quotes from her memoir, Becoming

40.) “My job, I realized, was to be myself, to speak as myself. And so I did.”– Michelle Obama

41.) “Your story is what you have, what you will always have. It is something to own.”– Michelle Obama

42.) “If you don’t get out there and define yourself, you’ll be quickly and inaccurately defined by others.”– Michelle Obama

43.) “This may be the fundamental problem with caring a lot about what others think: It can put you on the established path.”– Michelle Obama

44.) “Am I good enough? Yes I am.”– Michelle Obama

45.) “We needed now to be resolute, to keep our feet pointed in the direction of progress.”– Michelle Obama

46.) “Everyone on Earth, they’d tell us, was carrying around an unseen history, and that alone deserved some tolerance.”– Michelle Obama

47.) “Time, as far as my father was concerned, was a gift you gave to other people.”– Michelle Obama

48.) “The easiest way to disregard a woman’s voice is to package her as a scold.” ― Michelle Obama

49.) “Failure is a feeling long before it becomes an actual result” ― Michelle Obama

50.) “No one, I realized, was going to look out for me unless I pushed for it.” ― Michelle Obama

Which inspirational Michelle Obama quote was your favorite? What other Michelle Obama quotes would you add to the list?

Michelle Obama is a strong and intelligent woman. During her husband’s presidential bid, Michelle diligently campaigned on his behalf, traveling across the country, giving talks and making public appearances.

Besides, Obama offered her support for Hillary Clinton during the later’s 2016 presidential campaign. She made several high-profile speeches in favo

[quyenchonnhiphan-ggbinary-blog]

21 câu nói hay nhất của doanh nhân huyền thoại Brian Tracy

>>.>> Đăng ký Trade miễn phí TẠI ĐÂY

1. Tài sản lớn nhất của bạn là khả năng kiếm tiền. Tài nguyên lớn nhất của bạn là thời gian. Your greatest asset is your earning ability. Your greatest resource is your time.

2. Những người thành công luôn luôn tìm kiếm cơ hội để giúp đỡ người khác. Những người không thành công luôn luôn hỏi, “Tôi được lợi gì?” Successful people are always looking for opportunities to help others. Unsuccessful people are always asking, “What’s in it for me?”

3. Chìa khóa thành công là tập trung lý trí của chúng ta vào những điều chúng ta muốn chứ không phải những điều chúng ta sợ. The key to success is to focus our conscious mind on things we desire not things we fear.

4. Tất cả những người đàn ông và phụ nữ thành công đều là những người mơ mộng. Họ mơ mộng v��� tương lai của họ, lý tưởng trên mọi phương diện, và rồi họ lao động mỗi ngày hướng về viễn cảnh xa xôi ấy, mục tiêu hay cái đích đó. All successful people men and women are big dreamers. They imagine what their future could be, ideal in every respect, and then they work every day toward their distant vision, that goal or purpose.

5. Ngay bây giờ bạn đã có trong mình mọi thứ bạn cần để đối phó với bất kỳ điều gì mà thế giới ném vào bạn. You have within you right now, everything you need to deal with whatever the world can throw at you.

6. Đừng bao giờ nói về mình những điều mình không muốn trở thành hiện thực. Never say anything about yourself you do not want to come true.

7. Món quà lớn nhất mà bạn có thể trao cho người khác là món quà của tình yêu và sự chấp nhận vô điều kiện. The greatest gift that you can give to others is the gift of unconditional love and acceptance.

8. Bạn càng tìm kiếm sự bảo đảm, bạn càng ít có nó. Nhưng bạn càng tìm kiếm cơ hội, bạn càng có thể đạt được sự bảo đảm mà mình muốn. The more you seek security, the less of it you have. But the more you seek opportunity, the more likely it is that you will achieve the security that you desire.

9. Bạn từ đâu tới không quan trọng. Tất cả những gì quan trọng là bạn đang đi đâu. It doesn’t matter where you are coming from. All that matters is where you are going.

10. Giao tiếp là một kỹ năng bạn có thể học. Nó cũng giống như đi xe đạp hay tập đánh máy. Nếu bạn sẵn sàng nhọc công vì nó, bạn có thể nhanh chóng cải thiện chất lượng của mọi phần trong cuộc sống của mình. Communication is a skill that you can learn. It’s like riding a bicycle or typing. If you’re willing to work at it, you can rapidly improve the quality of every part of your life.

11. Tài sản giá trị nhất của công ty bạn chính là cách mà khách hàng biết đến nó. Your company’s most valuable asset is how it is known to its customers.

12. Bạn phải thực hiện rất nhiều, rất nhiều những nỗ lực nhỏ nhoi mà không ai thấy hay tán thưởng trước khi bạn đạt được thành quả đáng giá. You have to put in many, many, many tiny efforts that nobody sees or appreciates before you achieve anything worthwhile.

13. Bạn không thể điều khiển những gì xảy đến với mình, nhưng bạn có thể điều khiển thái độ đối với những gì xảy đến với mình, và như vậy, bạn sẽ chi phối sự ngẫu nhiên hơn là để nó chi phối bạn. You cannot control what happens to you, but you can control your attitude toward what happens to you, and in that, you will be mastering change rather than allowing it to master you.

14. Không ai sống đủ lâu để học mọi thứ mình cần phải học từ điểm đầu tiên. Để thành công, chúng ta tuyệt đối phải tích cực đi tìm những người đã trả giá để học những điều chúng ta cần nhằm đạt được mục tiêu của mình. No one lives long enough to learn everything they need to learn starting from scratch. To be successful, we absolutely, positively have to find people who have already paid the price to learn the things that we need to learn to achieve our goals.

15. Hãy đầu tư ba phần trăm thu nhập của bạn vào chính bạn (tự phát triển bản thân), để bảo đảm tương lai của mình. Invest three percent of your income in yourself (self-development) in order to guarantee your future.

16. Quyết đoán là một tính cách của những người đàn ông và phụ nữ năng động. Quyết định nào cũng hơn là không có quyết định. Decisiveness is a characteristic of high-performing men and women. Almost any decision is better than no decision at all.

17. Mục tiêu cho phép bạn điều khiển hướng đi của thay đổi theo chiều có lợi cho mình. Goals allow you to control the direction of change in your favor.

18. Tôi phát hiện ra may mắn có thể dự đoán được khá tốt. Nếu bạn muốn may mắn nhiều hơn, hãy chấp nhận nhiều cơ hội hơn. Hãy chủ động hơn. Xuất hiện nhiều hơn. I’ve found that luck is quite predictable. If you want more luck, take more chances. Be more active. Show up more often.

19. Hãy bước ra khỏi không gian an toàn của mình. Bạn chỉ có thể phát triển nếu bạn sẵn sàng cảm thấy kỳ cục và không thoải mái khi thử điều gì đó mới mẻ. Move out of your comfort zone. You can only grow if you are willing to feel awkward and uncomfortable when you try something new.

20. Nếu điều bạn đang làm không đưa bạn đi về phía mục tiêu của bạn, thì nó đang đưa bạn xa rời khỏi mục tiêu. If what you are doing is not moving you towards your goals, then it’s moving you away from your goals.

21. Khả năng hoạt động nhóm quan trọng đến mức bạn gần như không thể vươn tới đỉnh cao khả năng của mình hay kiếm tiền như mình muốn mà không trở nên thông thạo nó. Teamwork is so important that it is virtually impossible for you to reach the heights of your capabilities or make the money that you want without becoming very good at it

>>.>> Đăng ký Trade miễn phí TẠI ĐÂY

[tutorsof]

HW-2106 Semester Exam - 5 subjects - PASS

C09V : Principles of Finance

Question-1

Of the following, which is NOT one of the four main areas of finance?

International finance

Corporate finance

Investments

All are considered main areas of finance.

  Question-2

_______ is a major disadvantage of the corporate form of business.

Double taxation

Unlimited liability

Lack of ability to raise capital

Transfer of ownership

  Question-3

Everything else equal, an industry with more leverage will have a:

higher return on assets.

higher return on equity.

lower return on equity.

Both A & B

  Question-4

If you can earn 5.25% per year on your investments, how long will it take to double your money?

6.31 years

19.05 years

13.55 years

There is not enough information to answer this question.

  Question-5

Travis bought a share of stock for $31.50 that paid a dividend of $.85 and sold six months later for $27.65. What was his dollar profit or loss and holding period return?

-$3.00, -9.52%

-$3.85, -12.22%

-$.85, -2.70%

-$3.85, -9.52%

  Question-6

If you were required to estimate the average return for one category of securities for the coming year, history tells us that you should have the greatest degree of confidence estimating which of the following?

Long-term government bonds

3-month U.S. Treasury bills

Small-company stocks

Large-company stocks

  Question-7

Which of the following are not considered a part of the firm's capital structure?

Long-term debt

Retained earnings

Inventory

Preferred stock

  Question-8

Which of the following choices lists the least to most aggressive actions in the pursuit of overdue debt?

1) a collection agency, 2) court action, 3) a letter requesting overdue payment

1) court action, 2) a collection agency, 3) a letter requesting overdue payment

1) a letter requesting overdue payment, 2) court action, 3) a collection agency

1) a letter requesting overdue payment, 2) a collection agency, 3) court action

  Question-9

John is in a high income-tax bracket and wishes to minimize current taxes payable. He also has a sizeable current income and prefers high growth rates to significant annual cash flow from his equity investments. Which of the following dividend polices would John most likely prefer if we assume that the dividend policy has no impact on the value of the firm and that the capital gains tax rate is lower than the ordinary tax rate?

High-dividend-payout policy

No-dividend-payout policy

Low-dividend-payout policy

John would be indifferent to all of the dividend policies.

  Question-10

Which of the following would NOT be considered a cost of debt financing?

The required return on a bank loan

The required return on preferred stock

The yield-to-maturity of a bond issue

The required return on money borrowed from a venture capitalist

    A03V : Principles of Accounting II

Question-1

Issued stock is:

authorized shares of stock that can be sold.

stock only sold to another company.

shares sold and in stockholders' possession.

stock sold to stockholders.

  Question-2

In the statement of cash flows, which event would cause net income to be increased?

A decrease in Inventory

An increase in Prepaid Insurance

A decrease in Accounts Payable

An increase in Accounts Receivable

  Question-3

Finished Goods Inventory appears on which of the following statements on the worksheet?

Statement of cost of goods manufactured and income statement

Statement of cost of goods manufactured and balance sheet

Income statement and balance sheet

Income statement and cost of goods sold statement

  Question-4

One reason a corporation might issue bonds rather than sell stock is that :

bond interest is a tax-deductible expense.

interest rates are high.

dividends will lower the amount of tax due.

bondholders have claims at liquidation.

  Question-5

For a corporation, bond interest :

is treated the same as dividends for tax purposes.

has no effect on earnings and therefore has no effect on income taxes.

reduces income tax by reducing earnings.

None of the above.

  Question-6

Dividends paid to stockholders are:

taxable to the recipient stockholder.

taxable to the corporation.

treated the same as bond interest.

None of the above.

  Question-7

If beginning and ending inventories are $20,000 and $30,000, respectively, and cost of goods sold is $400,000, what is the inventory turnover ratio?

18

16

15.5

15

  Question-8

Declaration of a cash dividend causes:

an increase in stockholders' equity.

an increase in cash.

an increase in liabilities.

None of the above.

  Question-9

The current ratio is:

quick assets divided by current liabilities.

assets divided by liabilities.

current assets divided by current liabilities.

net sales divided by current liabilities.

  Question-10

When the contract rate of interest on bonds is equal to the market rate of interest, bonds sell at:

a premium.

their face value.

their maturity rate.

a discount.

  C13V : Microeconomics

Question-1

Which of the following is NOT demonstrated by a production possibility curve?

Scarcity

Opportunity cost

Necessity for choice due to scarcity

Price

  Question-2

The market price __________ the equilibrium price.

can be higher than, but never lower than

can be lower than, but never higher than

can be higher than, or lower than

is always equal to

  Question-3

The poverty line is set:

by the U.S. Bureau of the Census (based on family food budgets).

at the same income level right now as it's been since 1982.

so high that over 30% of all Americans are officially poor.

by the United Nations for every country in the world.

  Question-4

If a monopolist has a straight-line demand curve, then its marginal revenue curve will:

be the same as the demand curve.

fall twice as quickly as the demand curve.

lie below the demand curve at all points.

cross the demand curve.

  Question-5

As long as total utility is increasing, we know that marginal utility is:

positive.

decreasing.

increasing.

negative.

  Question-6

A key reason that our gasoline prices elevated rapidly from 2006 to 2008 was:

tight global supplies and high prices.

the war in the Middle East.

greed by oil exporting countries.

inflation.

  Question-7

In order for real wages to grow:

productivity must grow.

productivity must fall.

money wages must grow.

money wages must fall.

  Question-8

The substitution effect and the output effect work in the:

same direction some of the time.

same direction all of the time.

opposite direction some of the time.

opposite direction all of the time.

  Question-9

The law of demand holds for:

individuals, but not for markets.

markets, but not for individuals.

both individuals and for markets.

neither individuals nor for markets.

  Question-10

A firm will maximize its profits or minimize its loss at the output where:

the difference between price and marginal cost is at its maximum.

total cost equals total revenue.

marginal cost equals marginal revenue.

total revenue equals variable cost.

  M03V : Organizational Behavior

Question-1

_________ summarize the statistical relationships between variables.

Data

Correlations

Observations

Collections

  Question-2

Which of these involves maintaining a good attitude with coworkers, even when they have done something annoying or when the unit is going through tough times?

Helping

Courtesy

Sportsmanship

Civic virtue

  Question-3

Which of these is defined as a psychological response to demands for which there is something at stake and coping with those demands taxes or exceeds a person's capacity or resources?

Moods

Lethargy

Burnout

Stress

  Question-4

The belief that successful performance will result in some outcomes is known as:

instrumentality.

valence.

complexity.

expectancy.

  Question-5

If Sandy comes to the group meeting late and you feel that she is coming late because she has a low motivation for work, it could reflect a(n):

self-serving bias.

fundamental attribution error.

anchoring error.

illusion of control error.

  Question-6

Critical, selfish, and rude are opposite traits for which dimension of the Big Five?

Conscientiousness

Extraversion

Agreeableness

Openness

  Question-7

During which stage of team development do members realize that they need to work together to accomplish team goals and begin to cooperate, and build solidarity?

Performing

Forming

Norming

Warming

  Question-8

Which of the following factors is included in the time-driven model of leadership?

Intellectual stimulation

Shared objectives

Idealized influence

Individual personality

  Question-9

At ABC Manufacturing, only the top managers have the authority to make final decisions on just about everything. ABC can be described as a highly __________ structure.

wide

localized

moderate

centralized

  Question-10

ABC International recently published its vision statement. This is an example of:

observable artifacts.

stories.

basic underlying assumptions.

espoused values.

  C12V : Business Law

Question-1

Ordinances are codified laws that are issued by:

the President.

state legislature.

Supreme Court judges.

local government bodies.

  Question-2

Libel and slander constitute:

the tort of outrage.

defamation of character.

the tort of appropriation.

intentional misrepresentation.

  Question-3

The fraudulent creation or alteration of a written document that affects the legal liability of another person is called:

extortion.

larceny.

embezzlement.

forgery.

  Question-4

Which of the following must a promissory note contain to make it negotiable?

Acknowledgement of debt

Implied promise to pay

Unconditional affirmative to pay

Promise to negotiate

  Question-5

What is the employer's advantage in offering workers' compensation?

The employer need not pay for workers' compensation insurance.

The employer is exempt from having to offer paid medical leave.

The employer can avoid a lawsuit from an injured worker.

The employer can offer lower basic pay to workers.

  Question-6

__________ discrimination occurs when an employer discriminates against an entire protected class.

Disparate treatment

Disparate impact

Favored treatment

Unfair impact

  Question-7

Which of the following happens when a general partner withdraws from a limited partnership?

The partnership must be sold.

The partnership is transferred.

The partnership is dissolved.

The partnership operates normally.

  Question-8

Which of the following is true regarding FDA regulations for cosmetics?

There is no law in the United States against animal testing for cosmetics.

All substances and preparations for cosmetic use are chemically proven to be free from carcinogens before sale by the FDA.

Ordinary household soap is evaluated in terms of its quality and safety as a cosmetic good under the FDA.

New cosmetics are released on the market only if they have the "CRUELTY-FREE" label on their package.

  Question-9

A merger between two or more companies that compete in the same business and geographical market is known as a(n):

horizontal merger.

vertical merger.

market extension merger.

conglomerate merger.

  Question-10

The legal rights that an owner has to possess, use, and enjoy his or her property are known as:

future interests.

estate in land.

easement rights.

estoppel by deed

[blogduchung]

21 câu nói hay nhất của Brian Tracy cùng bạn đi đến thành công Bạn phải thực hiện rất nhiều, rất nhiều những nỗ lực nhỏ nhoi mà không ai thấy hay tán thưởng trước khi bạn đạt được thành quả đáng giá. Ngày đăng: 23-10-2015 1,312 lượt xem Brian Tracy (sinh tại Vancouver, Canada vào 5/1/1944) là một tác giả viết về chủ đề tự giúp bản thân. Sinh ra và lớn lên trong một gia đình nghèo ở Canada, thuở nhỏ, Bryan Tracy phải mặc quần áo từ các cửa hàng từ thiện. Ông nghỉ học trước khi tốt nghiệp phổ thông và bắt đầu làm các công việc lao động chân tay thời vụ ở Canada và khắp nước Mỹ. Brian Tracy là một cái tên gắn liền với việc phát triển tiềm năng con người, gắn với các thương hiệu nổi tiếng như IBM, FedEx, Hewlet-Packard, Wal-Mart, Ford cùng nhiều công ty hàng đầu thế giới khác, đạt được mục tiêu cá nhân và mục tiêu doanh nghiệp nhanh hơn và dễ dàng hơn họ từng nghĩ. Ông đã thu nhiều tác phẩm của mình dưới dạng sách thu thanh. Các buổi thuyết trình và thảo luận chủ đề của ông thường về khả năng lãnh đạo, bán hàng, quản lý hữu hiệu và chiến lược kinh doanh. Ông hiện là Chủ tịch của công ty Brian Tracy International, một công ty tài nguyên nhân lực đặt tại Solana Beach, California, với chi nhánh trải khắp nước Mỹ và ba mươi mốt nước khác. 1. Tài sản lớn nhất của bạn là khả năng kiếm tiền. Tài nguyên lớn nhất của bạn là thời gian. Your greatest asset is your earning ability. Your greatest resource is your time. 2. Những người thành công luôn luôn tìm kiếm cơ hội để giúp đỡ người khác. Những người không thành công luôn luôn hỏi, "Tôi được lợi gì?" Successful people are always looking for opportunities to help others. Unsuccessful people are always asking, "What's in it for me?" 3. Chìa khóa thành công là tập trung lý trí của chúng ta vào những điều chúng ta muốn chứ không phải những điều chúng ta sợ. The key to success is to focus our conscious mind on things we desire not things we fear. 4. Tất cả những người đàn ông và phụ nữ thành công đều là những người mơ mộng. Họ mơ mộng về tương lai của họ, lý tưởng trên mọi phương diện, và rồi họ lao động mỗi ngày hướng về viễn cảnh xa xôi ấy, mục tiêu hay cái đích đó. All successful people men and women are big dreamers. They imagine what their future could be, ideal in every respect, and then they work every day toward their distant vision, that goal or purpose. 5. Ngay bây giờ bạn đã có trong mình mọi thứ bạn cần để đối phó với bất kỳ điều gì mà thế giới ném vào bạn. You have within you right now, everything you need to deal with whatever the world can throw at you. Những câu nói hay nhất của Brian Tracy Những câu nói hay nhất của Brian Tracy 6. Đừng bao giờ nói về mình những điều mình không muốn trở thành hiện thực. Never say anything about yourself you do not want to come true. 7. Món quà lớn nhất mà bạn có thể trao cho người khác là món quà của tình yêu và sự chấp nhận vô điều kiện. The greatest gift that you can give to others is the gift of unconditional love and acceptance. 8. Bạn càng tìm kiếm sự bảo đảm, bạn càng ít có nó. Nhưng bạn càng tìm kiếm cơ hội, bạn càng có thể đạt được sự bảo đảm mà mình muốn. The more you seek security, the less of it you have. But the more you seek opportunity, the more likely it is that you will achieve the security that you desire. 9. Bạn từ đâu tới không quan trọng. Tất cả những gì quan trọng là bạn đang đi đâu. It doesn't matter where you are coming from. All that matters is where you are going. 10. Giao tiếp là một kỹ năng bạn có thể học. Nó cũng giống như đi xe đạp hay tập đánh máy. Nếu bạn sẵn sàng nhọc công vì nó, bạn có thể nhanh chóng cải thiện chất lượng của mọi phần trong cuộc sống của mình. Communication is a skill that you can learn. It's like riding a bicycle or typing. If you're willing to work at it, you can rapidly improve the quality of every part of your life. Những câu nói hay nhất của Brian Tracy Những câu nói hay nhất của Brian Tracy 11. Tài sản giá trị nhất của công ty bạn chính là cách mà khách hàng biết đến nó. Your company's most valuable asset is how it is known to its customers. 12. Bạn phải thực hiện rất nhiều, rất nhiều những nỗ lực nhỏ nhoi mà không ai thấy hay tán thưởng trước khi bạn đạt được thành quả đáng giá. You have to put in many, many, many tiny efforts that nobody sees or appreciates before you achieve anything worthwhile. 13. Bạn không thể điều khiển những gì xảy đến với mình, nhưng bạn có thể điều khiển thái độ đối với những gì xảy đến với mình, và như vậy, bạn sẽ chi phối sự ngẫu nhiên hơn là để nó chi phối bạn. You cannot control what happens to you, but you can control your attitude toward what happens to you, and in that, you will be mastering change rather than allowing it to master you. 14. Không ai sống đủ lâu để học mọi thứ mình cần phải học từ điểm đầu tiên. Để thành công, chúng ta tuyệt đối phải tích cực đi tìm những người đã trả giá để học những điều chúng ta cần nhằm đạt được mục tiêu của mình. No one lives long enough to learn everything they need to learn starting from scratch. To be successful, we absolutely, positively have to find people who have already paid the price to learn the things that we need to learn to achieve our goals. 15. Hãy đầu tư ba phần trăm thu nhập của bạn vào chính bạn (tự phát triển bản thân), để bảo đảm tương lai của mình. Invest three percent of your income in yourself (self-development) in order to guarantee your future. 16. Quyết đoán là một tính cách của những người đàn ông và phụ nữ năng động. Quyết định nào cũng hơn là không có quyết định. Decisiveness is a characteristic of high-performing men and women. Almost any decision is better than no decision at all. Những câu nói hay nhất của Brian Tracy Những câu nói hay nhất của Brian Tracy 17. Mục tiêu cho phép bạn điều khiển hướng đi của thay đổi theo chiều có lợi cho mình. Goals allow you to control the direction of change in your favor. 18. Tôi phát hiện ra may mắn có thể dự đoán được khá tốt. Nếu bạn muốn may mắn nhiều hơn, hãy chấp nhận nhiều cơ hội hơn. Hãy chủ động hơn. Xuất hiện nhiều hơn. I've found that luck is quite predictable. If you want more luck, take more chances. Be more active. Show up more often. 19. Hãy bước ra khỏi không gian an toàn của mình. Bạn chỉ có thể phát triển nếu bạn sẵn sàng cảm thấy kỳ cục và không thoải mái khi thử điều gì đó mới mẻ. Move out of your comfort zone. You can only grow if you are willing to feel awkward and uncomfortable when you try something new. 20. Nếu điều bạn đang làm không đưa bạn đi về phía mục tiêu của bạn, thì nó đang đưa bạn xa rời khỏi mục tiêu. If what you are doing is not moving you towards your goals, then it's moving you away from your goals. 21. Khả năng hoạt động nhóm quan trọng đến mức bạn gần như không thể vươn tới đỉnh cao khả năng của mình hay kiếm tiền như mình muốn mà không trở nên thông thạo nó. Teamwork is so important that it is virtually impossible for you to reach the heights of your capabilities or make the money that you want without becoming very good at it. Những câu nói hay nhất của Brian Tracy Những câu nói hay nhất của Brian Tracy

[tutorsof]

HW-2106 Semester Exam - 5 subjects - PASS

C09V : Principles of Finance

Question-1

Of the following, which is NOT one of the four main areas of finance?

International finance

Corporate finance

Investments

All are considered main areas of finance.

  Question-2

_______ is a major disadvantage of the corporate form of business.

Double taxation

Unlimited liability

Lack of ability to raise capital

Transfer of ownership

  Question-3

Everything else equal, an industry with more leverage will have a:

higher return on assets.

higher return on equity.

lower return on equity.

Both A & B

  Question-4

If you can earn 5.25% per year on your investments, how long will it take to double your money?

6.31 years

19.05 years

13.55 years

There is not enough information to answer this question.

  Question-5

Travis bought a share of stock for $31.50 that paid a dividend of $.85 and sold six months later for $27.65. What was his dollar profit or loss and holding period return?

-$3.00, -9.52%

-$3.85, -12.22%

-$.85, -2.70%

-$3.85, -9.52%

  Question-6

If you were required to estimate the average return for one category of securities for the coming year, history tells us that you should have the greatest degree of confidence estimating which of the following?

Long-term government bonds

3-month U.S. Treasury bills

Small-company stocks

Large-company stocks

  Question-7

Which of the following are not considered a part of the firm's capital structure?

Long-term debt

Retained earnings

Inventory

Preferred stock

  Question-8

Which of the following choices lists the least to most aggressive actions in the pursuit of overdue debt?

1) a collection agency, 2) court action, 3) a letter requesting overdue payment

1) court action, 2) a collection agency, 3) a letter requesting overdue payment

1) a letter requesting overdue payment, 2) court action, 3) a collection agency

1) a letter requesting overdue payment, 2) a collection agency, 3) court action

  Question-9

John is in a high income-tax bracket and wishes to minimize current taxes payable. He also has a sizeable current income and prefers high growth rates to significant annual cash flow from his equity investments. Which of the following dividend polices would John most likely prefer if we assume that the dividend policy has no impact on the value of the firm and that the capital gains tax rate is lower than the ordinary tax rate?

High-dividend-payout policy

No-dividend-payout policy

Low-dividend-payout policy

John would be indifferent to all of the dividend policies.

  Question-10

Which of the following would NOT be considered a cost of debt financing?

The required return on a bank loan

The required return on preferred stock

The yield-to-maturity of a bond issue

The required return on money borrowed from a venture capitalist

    A03V : Principles of Accounting II

Question-1

Issued stock is:

authorized shares of stock that can be sold.

stock only sold to another company.

shares sold and in stockholders' possession.

stock sold to stockholders.

  Question-2

In the statement of cash flows, which event would cause net income to be increased?

A decrease in Inventory

An increase in Prepaid Insurance

A decrease in Accounts Payable

An increase in Accounts Receivable

  Question-3

Finished Goods Inventory appears on which of the following statements on the worksheet?

Statement of cost of goods manufactured and income statement

Statement of cost of goods manufactured and balance sheet

Income statement and balance sheet

Income statement and cost of goods sold statement

  Question-4

One reason a corporation might issue bonds rather than sell stock is that :

bond interest is a tax-deductible expense.

interest rates are high.

dividends will lower the amount of tax due.

bondholders have claims at liquidation.

  Question-5

For a corporation, bond interest :

is treated the same as dividends for tax purposes.

has no effect on earnings and therefore has no effect on income taxes.

reduces income tax by reducing earnings.

None of the above.

  Question-6

Dividends paid to stockholders are:

taxable to the recipient stockholder.

taxable to the corporation.

treated the same as bond interest.

None of the above.

  Question-7

If beginning and ending inventories are $20,000 and $30,000, respectively, and cost of goods sold is $400,000, what is the inventory turnover ratio?

18

16

15.5

15

  Question-8

Declaration of a cash dividend causes:

an increase in stockholders' equity.

an increase in cash.

an increase in liabilities.

None of the above.

  Question-9

The current ratio is:

quick assets divided by current liabilities.

assets divided by liabilities.

current assets divided by current liabilities.

net sales divided by current liabilities.

  Question-10

When the contract rate of interest on bonds is equal to the market rate of interest, bonds sell at:

a premium.

their face value.

their maturity rate.

a discount.

  C13V : Microeconomics

Question-1

Which of the following is NOT demonstrated by a production possibility curve?

Scarcity

Opportunity cost

Necessity for choice due to scarcity

Price

  Question-2

The market price __________ the equilibrium price.

can be higher than, but never lower than

can be lower than, but never higher than

can be higher than, or lower than

is always equal to

  Question-3

The poverty line is set:

by the U.S. Bureau of the Census (based on family food budgets).

at the same income level right now as it's been since 1982.

so high that over 30% of all Americans are officially poor.

by the United Nations for every country in the world.

  Question-4

If a monopolist has a straight-line demand curve, then its marginal revenue curve will:

be the same as the demand curve.

fall twice as quickly as the demand curve.

lie below the demand curve at all points.

cross the demand curve.

  Question-5

As long as total utility is increasing, we know that marginal utility is:

positive.

decreasing.

increasing.

negative.

  Question-6

A key reason that our gasoline prices elevated rapidly from 2006 to 2008 was:

tight global supplies and high prices.

the war in the Middle East.

greed by oil exporting countries.

inflation.

  Question-7

In order for real wages to grow:

productivity must grow.

productivity must fall.

money wages must grow.

money wages must fall.

  Question-8

The substitution effect and the output effect work in the:

same direction some of the time.

same direction all of the time.

opposite direction some of the time.

opposite direction all of the time.

  Question-9

The law of demand holds for:

individuals, but not for markets.

markets, but not for individuals.

both individuals and for markets.

neither individuals nor for markets.

  Question-10

A firm will maximize its profits or minimize its loss at the output where:

the difference between price and marginal cost is at its maximum.

total cost equals total revenue.

marginal cost equals marginal revenue.

total revenue equals variable cost.

  M03V : Organizational Behavior

Question-1

_________ summarize the statistical relationships between variables.

Data

Correlations

Observations

Collections

  Question-2

Which of these involves maintaining a good attitude with coworkers, even when they have done something annoying or when the unit is going through tough times?

Helping

Courtesy

Sportsmanship

Civic virtue

  Question-3

Which of these is defined as a psychological response to demands for which there is something at stake and coping with those demands taxes or exceeds a person's capacity or resources?

Moods

Lethargy

Burnout

Stress

  Question-4

The belief that successful performance will result in some outcomes is known as:

instrumentality.

valence.

complexity.

expectancy.

  Question-5

If Sandy comes to the group meeting late and you feel that she is coming late because she has a low motivation for work, it could reflect a(n):

self-serving bias.

fundamental attribution error.

anchoring error.

illusion of control error.

  Question-6

Critical, selfish, and rude are opposite traits for which dimension of the Big Five?

Conscientiousness

Extraversion

Agreeableness

Openness

  Question-7

During which stage of team development do members realize that they need to work together to accomplish team goals and begin to cooperate, and build solidarity?

Performing

Forming

Norming

Warming

  Question-8

Which of the following factors is included in the time-driven model of leadership?

Intellectual stimulation

Shared objectives

Idealized influence

Individual personality

  Question-9

At ABC Manufacturing, only the top managers have the authority to make final decisions on just about everything. ABC can be described as a highly __________ structure.

wide

localized

moderate

centralized

  Question-10

ABC International recently published its vision statement. This is an example of:

observable artifacts.

stories.

basic underlying assumptions.

espoused values.

  C12V : Business Law

Question-1

Ordinances are codified laws that are issued by:

the President.

state legislature.

Supreme Court judges.

local government bodies.

  Question-2

Libel and slander constitute:

the tort of outrage.

defamation of character.

the tort of appropriation.

intentional misrepresentation.

  Question-3

The fraudulent creation or alteration of a written document that affects the legal liability of another person is called:

extortion.

larceny.

embezzlement.

forgery.

  Question-4

Which of the following must a promissory note contain to make it negotiable?

Acknowledgement of debt

Implied promise to pay

Unconditional affirmative to pay

Promise to negotiate

  Question-5

What is the employer's advantage in offering workers' compensation?

The employer need not pay for workers' compensation insurance.

The employer is exempt from having to offer paid medical leave.

The employer can avoid a lawsuit from an injured worker.

The employer can offer lower basic pay to workers.

  Question-6

__________ discrimination occurs when an employer discriminates against an entire protected class.

Disparate treatment

Disparate impact

Favored treatment

Unfair impact

  Question-7

Which of the following happens when a general partner withdraws from a limited partnership?

The partnership must be sold.

The partnership is transferred.

The partnership is dissolved.

The partnership operates normally.

  Question-8

Which of the following is true regarding FDA regulations for cosmetics?

There is no law in the United States against animal testing for cosmetics.

All substances and preparations for cosmetic use are chemically proven to be free from carcinogens before sale by the FDA.

Ordinary household soap is evaluated in terms of its quality and safety as a cosmetic good under the FDA.

New cosmetics are released on the market only if they have the "CRUELTY-FREE" label on their package.

  Question-9

A merger between two or more companies that compete in the same business and geographical market is known as a(n):

horizontal merger.

vertical merger.

market extension merger.

conglomerate merger.

  Question-10

The legal rights that an owner has to possess, use, and enjoy his or her property are known as:

future interests.

estate in land.

easement rights.

estoppel by deed