RATING SCALES INTRODUCTION Rating scales‚ as the name implies‚ are scales for rating each of the characteristics or activities one is seeking to observe or assess. A rating scale is a set of categories designed to elicit information about a quantitative or qualitative attribute. They enable an observer to systematically and objectively observe a person and record those observations. In the social sciences‚ a common example is the Likert scale in which a person is person selects the rating which
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guarantee their future financial security through responsible borrowing. Responsible borrowing means to make conscientious and educated decisions about how much to money to borrow through student loans. This often means borrowing only what you need‚ rather than taking out the full amount that you are eligible for. Doing so will save you
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Responsible Borrowing Worksheet Many students borrow federal student loans to pay for college. The goal of this assignment is to help you learn how to borrow responsibly‚ which may mean that you do not borrow at all or that you borrow only what you truly need. To borrow responsibly‚ you must understand your options and establish a financial plan for your entire program. With that plan in place‚ you can then focus on your classes and making connections with instructors and other students. Step 1
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MARC and RAM (Credit rating agencies) To know what is RAM and MARC is doing in the financial sector in Malaysia‚ we need to know what is the credit rating first. So‚ credit ratings are forward-looking opinions about credit risk. A credit rating is an opinion of the general creditworthiness of countries‚ companies and individuals. Lower credit ratings result in higher borrowing costs because the borrower is deemed to carry a higher risk of default. So‚ what does the rating agency do? They will
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Borrowings from French language The English language has been shaped by a number of other languages over the centuries‚ and many English speakers know that Latin and German were two of the most important. What many people don’t realize is how much the French language has influenced English. Without going into too much detail‚ I want to give a little bit of background about the other languages which shaped English. It was born out of the dialects of three German tribes (Angles‚ Jutes and Saxons) who
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statistical records of borrowed books‚ and also keeping the book cards. The proposed system spans out towards the library’s book borrowing system. It aims to change the interface of the library’s present manual book borrowing system with a more automated system which is web-based so that students will be able to browse books online‚ and they will be able to know what books are available in the library using the online library catalogue. Students cannot borrow books online‚ but they can reserve the
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HISTORY OF PRESENT ILLNESS: The patient is a 55-year-old African American‚ who speaks French and Chinese‚ presenting with a chief complain of chest pain. He has been having mild chest pain since early autumn‚ but it has been increasing recently‚ especially over the holidays. He has been taking Dyazide for blood pressure and also uses ibuprofen occasionally. On Sunday‚ New Year’s Day‚ he called his insurance company and was referred to South Side Hospital. The patient presented to the emergency
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Americans and can result in substantial morbidity‚ mortality‚ and consumption of medical resources (Krumholz
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Practice Task: BORROWING COST OF ISSUING BANK BILLS In order to fund its short-term operations‚ the Chief Financial Officer (CFO) of Best Company has decided use short-term money market instruments. The CFO has asked you and your team to advise the company of the best course of action. After a lengthy discussion with the CFO‚ it was decided to issue bank-accepted bills of exchange (bank bills). In order to obtain board approval‚ the CFO has asked you and your team to create a simple spreadsheet
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Credit Rating (CR) as financial service‚ has come a long way‚ since John Moody first introduced the concept 1909. In India it started in 1988. Credit rating is has been used to rate debt instrument viz. Fixed Deposit‚ Commercial Paper Credit rating is a technique of credit risk valuation for the corporate debt instruments reflecting borrower’s expected capability and inclination to pay interest and principal in a timely manner. * In evaluation both qualitative and quantitative criteria are
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