DECAY AND DRTERIORATION OF BUILDINGS CAUSES OF OCCURANCE OF CRACKS The important causes responsible for occurrence of cracks in buildings‚ are as under: 1) Cracks due to moisture changes. 2) Cracks due to temperature variation. 3) Cracks due to elastic deformation and creep. 4) Cracks due to effect of chemical reaction. 5) Cracks due to movements of ground. 6) Cracks due to vegetation. The various causes of formation of cracks and measures adopted to prevent them are described
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My interest in life is going to college and to become a Chemical Engineer. Chemical Engineers is the combination of chemistry‚ math‚ and physics to design and operate the manufacturing processes. I want to major in engineering because ever since I was a child I realized that I am asking myself the same questions‚ how do things work‚ what do they do‚ and how can I do something better about the environment. I have always enjoyed challenging myself mentally‚ construct new things‚ and math is my best
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Cancer and debts‚ struggle and inconvenient There are many diseases that make people get into debts that most of the time cannot be paid. This usually happens because these diseases are with the patients for long periods of time‚ sometimes until death. Cancer is one of these diseases. As this is a disease that has many times there is a chance that the patient fully recovers or lives under treatment for a long time. Then‚ if it is already difficult to imagine a person’s fight when this has cancer and
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their survey‚ they found that 49% of companies do not have a policy on body decorations‚ and 98% of people have not been fired or punished because of having body decorations (2007 Vault Employee 6-7). Another reason people do not think body decorations affect your health or well being is from a lack of evidence. As said in an article tattooing and its health risks‚ "because of other public health priorities and a previous lack of evidence of safety concerns‚ FDA has not traditionally regulated tattoo
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Pledgee’ as follows: i. They must be capable of taking responsibility ii. They must not prohibited from dealing with their properties iii. No coercion is exerted on them c. Obligation or right to a claim (debt) i. A debt must have been established ii. The debt must be known d. Pledge (property pledge) iii. Anything that can be bought and sold can be pledge. iv. It must exist (can be perceived by sense of touch v. It must be of use according to the
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overall market. It has $913.3m of assets of which tobacco accounts for 54.5%. The net income for UST has been growing at 11% compounded annual growth rate (CAGR) for the past 10 years‚ while the cash flows have been relatively stable and growing at 12% CAGR for 10 years. This can all be ascribed to UST’s dominance of the moist smokeless market‚ well-built brand name and premium products that command a high price. Therefore‚ we can deduce that the products are inelastic in demand. UST has also been named
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“quick and dirty” formula for estimating the bias generated by using the YTM as an approximation of the expected return on debt. The assumptions: 1. Debt is perpetual 2. probability of default is δ in each period. The probability is the same in every period 3. If default occurs‚ bondholders receive ρ fraction of the face (principal) value of the bond plus accrued interest. 4. Bond is sold at par‚ i.e.‚ the bonds initial price equals its principal value. 5. If the bond does not default‚ the bondholders
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Understanding Interest Rates 4.1 Measuring Interest Rates 1) The concept of ________ is based on the common-sense notion that a dollar paid to you in the future is less valuable to you than a dollar today. A) present value B) future value C) interest D) deflation Answer: A 2) The present value of an expected future payment ________ as the interest rate increases. A) falls B) rises C) is constant D) is unaffected Answer: A 3) An increase in the time to the promised future
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“Interest Free Banking” is a fundamental concept derived from the Islamic form of banking. It operates with the primitive professional and ethical standards that exclude the “Muslims” from paying or receiving any kind of interest. This certainly does not mean that the revenue generating activities or money raving businesses are not encouraged. All of these business forms are greatly appreciated as far as they do not involve interest in any kind. There are a lot of financial tools introduced by the
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Old School Modular construction has been around since the early 1900’s in the form of prefabrication but the way it is used has changed. Modular construction uses many trades to build a portion of the entire construct off site‚ such as complete walls with insulation‚ sheet rock and electrical compared to the traditional prefabrication that utilized only one trade. Due to the repetitive nature in commercial buildings‚ these are the most desired for this form of construction. Based on a survey of
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