Renovating existing buildings

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  • “ We believe that sustainability, environmental quality, and resource consumption present risks that should be managed by the same structure and process as are other risks. as a leader in the real estate industry, we are dedicated to increasing building performance throughout our portfolio of properties.”

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  • For example, take the claim that many poor households will pay high interest rates without flinching, and the related claim that the existence of moneylenders implies the insensitivity of most borrowers to interest rates. Moneylender loans are often taken for short periods of less than a month, however, and are often used as a short-term patch to meet pressing consumption needs--while microfinance loans are typically held for several months at minimum and are targeted at business investment. The standard Grameen Bank loan, for example, had a one-year term.

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  • When interest rates fall steadily and continuously, corporations may be able to save money by refunding their existing bond issues. According to Boyce and Kalotay [2], the accepted wisdom is to refund a bond issue when interest rates fall 1% below the coupon rate on the existing bond. However, the refunding decision is in reality a complicated one.

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  • The NI test engineering team has developed and implemented a common test software and hardware platform that can be scaled across multiple product lines. The strategy was to create and maintain a standard test development software environment with flexible capabilities that engineers can use to focus on developing tests rather than reinventing their own, unique test frameworks.

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  • As a first step, simple but vital process changes that impact customers by bringing in more simplicity and convenience, with greater efficiency and efficacy for transactions, can be undertaken. These will serve as a precursor to the positive changes to come and help customers view the bank’ s transformation journey in a positive light. With customers using multiple channels to interact with their banks, it is critical that they are minimally disturbed and are impacted by no loss of existed functionality.

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  • By learning how to “dial for dollars,” you can transform the telephone that’s already sitting on your desk into a virtual money-making machine with unlimited potential. Throughout this book, the terms telemarketing and telesales are used interchangeably. However, some people define telemarketing as the use of the telephone to make contact with prospects, whereas telesales involves actually moving the pros- pect further down the sales cycle or sales pipeline. The skills required of a telemarketer and/or telesales professional, as you’ll soon see, are identical....

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  • Education. The adult literacy rate in Afghanistan is estimated to be 36%, while for adult women it is estimated at 21%2 (2001). A significant leap in school enrollment has taken place during the last couple of years, and more than four million children are now in school, one-third of them girls, but this still represents only a little more than half of school-age children and 40% of girls. These figures hide dramatic regional disparities, with girls representing less than 15% of the total enrollment in nine provinces in the east and south.

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  • As in the United States, rents vary widely depending on the quality and location of the lodging and on the amenities provided. Paris has the highest average monthly rents in France. International students who are staying in France for at least three months are eligible for financial assistance for housing [21]. It’s important to be well informed about what to expect when signing a rental agreement [7] before signing any documents.

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  • There was complete agreement among two independent raters in classifying 327 reproductive messages out of a total of 362 references taken from a representative sample of the opera and art songs, which represents an inter-rater agreement of over 90%. Figure 4 depicts the results. A t-test failed to demonstrate a significant difference in the number of reproductive categories between the opera and art songs, t(104) = .6098, p = .5433.

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  • The success of IFRS as a high-quality set of global accounting standards depends upon the IASB functioning as a truly independent standard-setting body that enjoys the confidence of market participants around the world. To assure that confidence, the IASB needs to have a secure, stable funding mechanism, expert staffing and appropriate governance structure to ensure the standard-setting process is free from undue influence from various constituents.

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  • Employing this methodology, there has been a growing literature showing strong influence of macroeconomic variables and stock markets, mostly for industrialized countries (see, for example, Hondroyiannis and Papapetrou, 2001; Muradoglu et al. 2001; Fifield et al. 2000; Lovatt and Ashok 2000; and Nasseh and Strauss 2000). Additionally, researchers have begun to turn their attention to examining similar relationships in developing countries, particularly those in the growth engines of Asia (for example, Maysami and Sims 2002, Maysami and Koh 2000).

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  • Tham khảo tài liệu '"crisis" versus aesthetic in the copernican revolution', văn hoá - nghệ thuật phục vụ nhu cầu học tập, nghiên cứu và làm việc hiệu quả

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  • This magnification of credit risk for preferred stocks occurs essentially because of their payoff structure. If the firm is liquidated at a low value, all other debt holders are paid first and only then are the preferred holders paid. This credit risk is not rewarded with participation in the firm’s upside as it is for common equity holders. Hence, when firm value becomes low, preferred stocks are more acutely exposed to credit risk than common stocks holders.

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  • Congress has recognized the importance of respiratory health and has em- barked on programs to make a difference. From 1998–2003, Congress doubled the budget of the National Institutes of Health. We have strengthened the Centers for Disease Control and Prevention, granted the Food and Drug Administration the ability to regulate tobacco, improved pollution control through the Environmental Protection Agency, and funded tuberculosis programs throughout the world because we realize that in order to control tuberculosis at home, we need to control it worldwide.

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  • Each laboratory that uses this method is required to operate a formal quality control program. The minimum requirements of this program consist of an initial demonstration of laboratory capability and an ongoing analysis of spiked samples to evaluate and document data quality. The laboratory must maintain records to document the quality of data that is generated. Ongoing data quality checks are compared with established performance criteria to determine if the results of analyses meet the performance characteristics of the method.

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  • Direct marketing is a marketing strategy where companies promote their products to potential customers via a direct channel of communication, such as telephone or mail. Unlike mass marketing, companies employing direct marketing target only a selected group of customers. For instance, a bank may decide to directly promote their first-time home buyer mortgage program to only newlywed customers. In accordance with the general principle of marketing, a direct marketing campaign strikes for the maximum net profit.

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  • This study also aims to offer a more complete view of the many necessary measures to achieve global and coherent actions from donor countries. However, it must be pointed out that just as the choice of measures contained in the MDGs can be arbitrary, so can the selection of variables and economic policies included in this document.

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  • It is often ignored that imprisoning women has greater social cost to family and community than does imprisoning most men prisoners. Family breakdown, long-term problems among children taken into care and a loss of community spirit and cohesion can push the social costs of women’s imprisonment considerably higher than for men’s imprisonment. This is a background paper for the Kyiv Declaration on Women’s Health in Prison, which was discussed and adopted during the WHO International Conference on Prison Health in November 2008.

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  • Hamilton and Clemens (1999) have provided estimates of genuine saving in a number of countries. Among the resources that make up natural capital, only forests, oil and minerals, and pollution were included (not included were such vital resources as water). So there is an undercount. Moreover, the accounting prices used to value natural capital were crudely estimated. Nevertheless, one has to start somewhere.

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  • The threat is real and immediate. Essentially, every week there are news reports of some company or organization that has had data stolen – from the Department of Defense to, increasingly, small businesses. Most incidents, of course, are never made public. The potential damage, as we will discuss, involves far more than stolen or damaged data. Cyber is connected to our economy and job creation. It is not just national security information that is being stolen from databases in the U.S. All kinds of intellectual property are targeted. Information stolen from...

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