Wednesday, December 4, 2019
Ephesians 2 Essay Once we are dead, doomed forever because of your many sins. You use to live like the rest of the world, ful of sin, obeying Satan, the mighty prince of the power of the air. He is the spirit at work in the hearts of those who refuse to obey God. All of us use to live that way, following the passions of our desires of our evil nature. We were born with an evil nature, and we were under Gods anger just like everyone else. But God is so rich in mecy and he loved us so very much, that even while we were dead because of our sins, he gave us life when he raised Christ from the dead. (It is only because of Gods special favor that you have been saved!) For he raised us from the dead along with Christ, and we are seated with hima in heavenlt realms-all because we are one with Christ Jesus. Ang so God can always point to us as examples of the incredible wealthof his favor and kindness toward us, in shown for all he has done for us in Christ Jesus. God saved us in his special favor when you bel ieved. And your cant take credit for this; It is a gift from God. Salvation is not a reward for all the good things we have done, so none of us can boast about it. For we are Gods masterpiece. He has created us anew in Christ Hesus, so that we can do the good things he has planned for us long ago.
Posted by Unknown at 9:14 AM
Thursday, November 28, 2019
10 Companies Where Part-Time Jobs Can Mean Full-Time Benefits Need to work part time, but donÃ¢â¬â¢t want to have to work all the jobs in order to scrape together health insurance and other necessary benefits? ItÃ¢â¬â¢s not a great time to be in your position, given that a lot of companies are making their benefits threshold 30+ hours per week- often 40+ for retirement benefits, but there are still a lot of great companies that offer competitive benefits to folks working fewer than 30 hours per week. Here are some of the best.1. Whole FoodsIf you log 20 hours per week, youÃ¢â¬â¢re eligible for their full medical, dental, and vision coverage, once youÃ¢â¬â¢ve hit 400 hours total. These arenÃ¢â¬â¢t fixed or guaranteed- and management has the right to rescind, but they are out there. YouÃ¢â¬â¢ll also be eligible for a 20% purchase discount in-store, as well as subsidized life insurance, paid sick and vacation time, stock options, and a 401(k). They also give bonuses to rank-and-file employees out of the unused leftovers of their annual labor budget.2. StarbucksAt Starbucks, youÃ¢â¬â¢re not an employee, youÃ¢â¬â¢re a Ã¢â¬Å"partner.Ã¢â¬ And if you average 20 hours per week, youÃ¢â¬â¢re eligible for competitive base pay plus health care. You might even get equity in the form of Ã¢â¬Å"Bean Stock.Ã¢â¬ YouÃ¢â¬â¢ll also get PTO, a 401(k), and a 30% store discount. And their health benefits are pretty sweet, covering 100% of preventative care and womenÃ¢â¬â¢s preventative health, as well as 70% of premium costs.3. Allegis GroupThe company formerly known as Aerotek employs nearly 10 times as many contractors and temp workers as it does full-timers. At 20+ hours per week, youÃ¢â¬â¢re immediately eligible for medical, dental, and vision, plus a matching 401(k) program, possible profit-sharing bonuses, disability insurance, a 529 college savings plan, and PTO.4. LandsÃ¢â¬â¢ EndDepending on your job, and your department, you might be eligible for dental, vision, and life insurance, plus access to the on- site medical clinic, fitness center, and day care. And, if youÃ¢â¬â¢re a seasonal employee willing to commit to the following year, your benefits might be extended.5. CostcoWork more than 24 hours per week, for a total of at least 180, and youÃ¢â¬â¢ll be eligible for their Choice Plus health plan, plus low-cost dental, a cheap in-house prescription plan, a 401(k), and an FSA, stock purchase options, disability, life, and long-term care insurance. ThereÃ¢â¬â¢s also the Care Network, providing free mental health counseling, and referrals to debt counselors and lawyers.6. LowesLowes offers part-time employees a limited medical plan, plus basic dental and vision- with no minimum hourly threshold. You pay full blast the first year, then Lowes subsidizes your coverage the next. There are also stock purchase options, a 401(k), and PTO available after 180 days.7. Trader JoesWork 30+ hours a week and get health coverage. Plus free basic dental and vision (at only 15+ hours per week!).8 . U-HaulPart time U-Haul employees donÃ¢â¬â¢t receive paid holidays or sick leave, or educational assistance, BUT part time workers do have access to limited medical, dental, 401(k), and stock ownership plans. Plus travel discounts through U-Haul and other companies.9. REIYou canÃ¢â¬â¢t do much better than REI. Average 20 hours per week, and the company will give you medical benefits, plus they pay the full cost of disability and life coverage. And thereÃ¢â¬â¢s a sweet employee incentive plan available to all employees.10. UPSYou might need to wait a year for your full benefits to kick in, but you can get medical, dental, tuition assistance, adoption assistance, and smoking cessation support. The tuition assistance is immediately available to all new hires.
Posted by Unknown at 1:18 AM
Sunday, November 24, 2019
SAT Make-Up Exam on February 20 Here's What to Do SAT / ACT Prep Online Guides and Tips Winter has come inthe form of Storm Jonas, affecting much of the East Coast. Governors of Delaware, Georgia, Kentucky, Maryland, New York, New Jersey, North Carolina, Virginia, Pennsylvania, Tennessee, West Virginia, and Washington DC declared a state of emergency, and hundreds of SAT test centers closed. DidYOUR January 23rd SAT test center get closedbecause of the storm? How do you maximize your score up until your February 20 makeup exam? Find out here. (Image credit: Weather Channel) By now, the storm and test date have both passed, so if you're reading this you likely had your Jan 23rd SAT canceled. You're in good company. By our count, 837 test centers closed across 22 states - one of the most severe test disruptions we've ever seen.The College Board is planning for a makeup exam to be administered on February 20, 2016. We'll have the final list of test centers that closed as you scroll down, but more importantly,how do you spend your time until the Feb 20 SAT to increase your score?We'll give you the best resources we have to do last minute prep. Want to improve your SAT score by 160 points?We've written a guide about the top 5 strategies you must be using to have a shot at improving your score. Download it for free now: What to Do After Your SAT GotCanceled So is the Jan 23rd SAT cancellation GOODor BADnews? Some students were understandably rejoicing: So so so so so happy SAT's got cancelled for the day and I got to sleep in Ã°Å¸ËÅ Ã°Å¸ËÅ Ã°Å¸ËÅ Ã°Å¸ËÅ - lexiii (@lexiiweberr) January 23, 2016 I literally started crying tears of joy when I found out my sat was cancelled today :-) - meagan (@meaganbatjer) January 23, 2016 Personally, though, I would HATE for my SAT to be canceled. I treat tests like I'm a boxing match. Throughout the weeks leading up to the test,I build myself up to the pinnacle of my testing ability. I regulate my sleep and diet to make sure I'm at peak performance on Saturday morning. I review my weaknesses the nights before so everything's preloaded in my head. I wake up Saturday morning primed to take on the stupid College Board. If the test gets canceled, that means I have to do this all over again. That sucks. But the great news is, you now have a whole extra month to continue working on your weaknesses. Feeling like you're not at your testing peak yet? Now's your chance to hone in on your weaknesses. We've written the best guides anywhere to get you to maximize your potential. Here are ourmust-read guides to start you off: How to Get a Perfect SAT Score, by a Perfect Scorer Aiming for a high SAT score? I wrote this popular guide to talk you through the strategies and study habits you need to max out your SAT score. How to Get 800 in SAT Reading | SAT Math | SAT Writing I dive more deeply into each SAT section and teach you how to get a perfect score in each of Reading, Math, and Writing. The Best 30-Day SAT Prep Program Available At PrepScholar, we've created the best SAT prep program available. To prove it, we have the only 160 point guarantee - finish the program, and if you don't improve your SAT score by 160 points, you'll get all your money back. PrepScholar customizes to your weaknesses, so it's perfect for the month you have until your SAT makeup in February. In your extra month, work hard, and you canimprove your SAT score by 160 points or more. How to Write an SAT Essay, Step by Step Want a step by step plan to write a strong SAT Writing essay? Here's a guide you can follow to write a winning essay for every single SAT esay prompt. The Ultimate SAT Reading Prep GuideThe Ultimate SAT Math Prep GuideThe Ultimate SAT Writing Prep Guide Here are our most complete SAT prep guides for every section. Feeling week on Reading, Math, or Writing? We've got you covered with the best strategy guides and content available anywhere. Want to improve your SAT score by 160 points in 30 days?We have the industry's leading SAT prep program. Built by Harvard grads and SAT full scorers, the program learns your strengths and weaknesses through advanced statistics, then customizes your prep program to you so you get the most effective prep possible. Check out our 5-day free trial today: Which SATTest Centers WereClosed on Jan 23? Here's theupdated complete list of testing centers that were canceled.At the final tally, 837 testing centers were closed! This is a huge fraction of the country, disrupting many thousands of students. These states were hit the hardest: Connecticut, Delaware, Georgia, Kentucky, Maryland, New Jersey, New York, North Carolina, Pennsylvania, South Carolina, Tennessee, Virginia, and West Virginia. STATE CITY SCHOOL ID Alabama Huntsville Randolph School #01173 Alabama Huntsville The Univ Of Alabama In Huntsville #01174 Alabama Madison Bob Jones High School #01182 Alabama Muscle Shoals Northwest-Shoals Cc #01218 Arksansas Conway University Of Central Arkansas #04239 Arksansas Little Rock Hall HS #04190 Connecticut Ansonia Ansonia HS #07103 Connecticut Bloomfield Bloomfield HS #07120 Connecticut Bridgeport Central Magnet HS #07138 Connecticut Bristol Eastern HS #07145 Connecticut Danbury Danbury HS #07165 Connecticut Darien Darien HS #07180 Connecticut East Haven East Haven HS #07200 Connecticut East Lyme East Lyme HS #07201 Connecticut Greenwich Greenwich HS #07260 Connecticut Groton Robert E Fitch Sr HS #07265 Connecticut Guilford Guilford HS #07266 Connecticut Hamden Hamden HS #07275 Connecticut Hartford Bulkeley HS #07280 Connecticut Meriden Platt HS #07340 Connecticut Middlebury Westover Sch #07345 Connecticut Naugatuck Naugatuck HS #07380 Connecticut New Haven Hillhouse HS #07400 Connecticut New Haven Wilbur Cross HS #07420 Connecticut New Milford New Milford HS #07435 Connecticut Oakdale Saint Thomas More Sch #07477 Connecticut Orange Hope Acad #07487 Connecticut Orange Southern Connecticut Hebrew Academy (Sunday Test Center) #07485 Connecticut Pawcatuck Stonington HS #07490 Connecticut Stamford Stamford High School #07565 Connecticut Stamford Westhill HS #07570 Connecticut Stamford Bi-Cultural Day School (Sunday Test Center) #07555 Connecticut Trumbull Trumbull HS #07605 Connecticut Weston Weston HS #07666 Connecticut Willimantic Windham HS #07705 Connecticut Wilton Wilton HS #07710 Dc Washington Anacostia High School #09160 Dc Washington Friendship Collegiate Acad #09129 Delaware Bear Red Lion Christian Academy #08080 Delaware Laurel Laurel Sr High School #08118 Delaware Middletown Appoquinimink High School #08124 Delaware Middletown St. Andrew'S Sch #08122 Delaware Milford Milford High School #08125 Delaware Newark Newark Sr HS #08135 Delaware Wilmington Sarah Pyle Academy #08171 Delaware Wilmington Brandywine HS #08150 Delaware Wilmington Tower Hill School #08175 Georgia Acworth Frederick J Furtah Prep Sch #11553 Georgia Athens Cedar Shoals HS #11205 Georgia Athens U Of Georgia #11120 Georgia Atlanta Georgia State U #11155 Georgia Atlanta Marist Sch #11170 Georgia Atlanta Atlanta Metropolitan State Coll #11226 Georgia Atlanta Benjamin Mays HS #11125 Georgia Atlanta Cross Keys HS #11129 Georgia Atlanta North Atlanta HS #11180 Georgia Atlanta S. Atlanta Sch Of Health/Medical Sci #11195 Georgia Atlanta St Pius X Catholic HS #11190 Georgia Atlanta The Lovett Sch #11200 Georgia Atlanta Westminster Schs #11220 Georgia Augusta John S Davidson Fine Arts Magnet Sch #11232 Georgia Augusta Acad Of Richmond County #11225 Georgia Augusta Butler HS #11235 Georgia Augusta Georgia Regents U #11221 Georgia Augusta Westside HS #11230 Georgia Austell South Cobb HS #11237 Georgia Buford Buford High Sch #11267 Georgia Calhoun Sonoraville High School #11296 Georgia Calhoun Calhoun HS #11275 Georgia Canton Sequoyah HS #11291 Georgia Carrollton Carrollton HS #11293 Georgia Carrollton U Of West Ga #11295 Georgia Chatsworth Murray County HS #11606 Georgia Chatsworth North Murray HS #11607 Georgia College Park Benjamin Banneker HS #11317 Georgia College Park Hapeville Charter Career Acad #11674 Georgia College Park Woodward Acad Mid Sch #11315 Georgia Commerce Commerce High School #11332 Georgia Commerce East Jackson Comp High School #11333 Georgia 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High School #11571 Georgia Monroe Monroe Area HS #11565 Georgia Mount Airy Habersham Ctrl High School #11345 Georgia Newnan Newnan HS #11585 Georgia Norcross Meadowcreek HS #11124 Georgia Peachtree Corners Wesleyan Sch #11122 Georgia Rome Rome HS #11595 Georgia Rome Shorter U #11604 Georgia Rome Darlington Sch #11593 Georgia Roswell Roswell HS #11601 Georgia Sharpsburg East Coweta HS #11647 Georgia Smyrna Campbell HS #11633 Georgia Snellville Shiloh HS #11573 Georgia Sparta Hancock Central HS #11648 Georgia Stockbridge Stockbridge HS #11653 Georgia Stone Mountain Stone Mountain HS #11655 Georgia Suwanee Lambert HS #11202 Georgia Suwanee Peachtree Ridge HS #11156 Georgia Suwanee Collins Hill HS #11117 Georgia Suwanee North Gwinnett HS #11112 Georgia Tiger Rabun County HS #11680 Georgia Toccoa Stephens County High School #11685 Georgia Trion Trion HS #11687 Georgia Tucker Tucker High School #11056 Georgia Villa Rica Villa Rica HS #11922 Georgia Watkinsville Oconee County HS #11707 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Baltimore Archbishop Curley High School #21110 Maryland Baltimore Baltimore Poly Inst #21115 Maryland Baltimore Digital Harbor HS #21102 Maryland Baltimore Gilman Sch #21125 Maryland Baltimore Parkville HS #21144 Maryland Baltimore St Frances Acad #21148 Maryland Baltimore Woodlawn High School #21158 Maryland Baltimore Beth Tfiloh High School (Sunday Test Center) #21167 Maryland Bel Air Bel Air HS #21165 Maryland Bel Air C Milton Wright HS #21168 Maryland Beltsville High Point HS #21175 Maryland Berlin Stephen Decatur HS #21171 Maryland Bethesda Bethesda-Chevy Chase High School #21180 Maryland Bethesda Holton-Arms School #21185 Maryland Bethesda Walt Whitman HS #21195 Maryland Brandywine Gwynn Park Sr HS #21215 Maryland Cambridge Cambridge-South Dorchester High School #21230 Maryland Clarksburg Clarksburg High School #21253 Maryland Columbia Wilde Lake HS #21247 Maryland Cumberland Allegany High School #21260 Maryland Damascus Damascus High School #21264 Maryland Easton Easton High School #21265 Maryland Edgewater South River High School #21267 Maryland Eldersburg Liberty High School #21268 Maryland Elkton Elkton High School #21270 Maryland Essex Our Lady Of Mt Carmel High School #21112 Maryland Federalsburg Colonel Richardson HS #21683 Maryland Forestville Bishop Mcnamara HS #21291 Maryland Forestville Forestville HS #21289 Maryland Forestville Suitland Sr HS #21285 Maryland Fort Meade Meade Sr High School #21128 Maryland Frederick Gov Thomas Johnson HS #21290 Maryland Gambrills Arundel High School #21300 Maryland Germantown Northwest High School #21298 Maryland Glen Burnie Glen Burnie HS #21310 Maryland Great Mills Great Mills High School #21320 Maryland Hagerstown South Hagerstown High School #21329 Maryland Hagerstown St James Sch #21455 Maryland Hagerstown Highland View Academy (Sunday Test Center) #21283 Maryland Harwood Southern High School #21333 Maryland Ijamsville Urbana HS #21258 Maryland Kensington Einstein High School #21335 Maryland La Plata Coll Of S Maryland #21340 Maryland Lanham Duval High School #21345 Maryland Laurel Laurel HS #21346 Maryland Laurel St. Vincent Pallotti High School #21348 Maryland Leonardtown Leonardtown HS #21355 Maryland Olney Our Lady Of Good Counsel High School #21495 Maryland Owings Mills Mcdonogh Sch #21360 Maryland Oxon Hill Oxon Hill HS #21375 Maryland Parkton Hereford HS #21380 Maryland Prince Frederick Calvert HS #21390 Maryland Randallstown Randallstown Sr HS #21395 Maryland Reisterstown Franklin HS #21400 Maryland Rockville Montgomery Coll #21403 Maryland Rockville Thomas S Wootton High School #21420 Maryland Rockville Charles E Smith Jewish Day School (Sunday Test Center) #21410 Maryland Salisbury Salisbury Middle School #21432 Maryland Salisbury Salisbury Middle School (Sunday Test Center) #21431 Maryland Severna Park Severna Park Sr HS #21435 Maryland Silver Spring Montgomery Blair High School #21440 Maryland Timonium Dulaney High School #21470 Maryland Towson Loyola Blakefield HS #21480 Maryland Upper Marlboro Largo High School #21492 Maryland Waldorf Westlake High School #21216 Maryland Westminster Westminster High School #21490 Maryland Williamsport Williamsport HS #21503 Massachusetts New Bedford New Bedford Regl Voc Tech Sch #22565 Massachusetts Waltham Waltham Senior HS (Sunday Test Center) #22830 Mississippi Olive Branch Olive Branch High School #25162 Mississippi Tupelo Tupelo HS #25176 Missouri Poplar Bluff Poplar Bluff Sr HS #26210 New Jersey Allentown Allentown High School #31105 New Jersey Asbury Park Asbury Park High School #31112 New Jersey Atlantic City Atlantic City HS #31118 New Jersey Audubon Audubon High School #31119 New Jersey Basking Ridge Pingry School #310315 New Jersey Blairstown Blair Academy #31145 New Jersey Bloomfield Bloomfield High School #31148 New Jersey Bricktown Bricktown Memorial HS #31166 New Jersey Bridgeton Cumberland Regl High School #31757 New Jersey Bridgewater Bridgewater-Raritan High School #31170 New Jersey Burlington 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Long Branch HS #31454 New Jersey Manahawkin Southern Regl HS #31466 New Jersey Maplewood Columbia High School #310750 New Jersey Marlboro Marlboro High School #31475 New Jersey Marlton Cherokee High School North #31490 New Jersey Matawan Old Bridge High School #31616 New Jersey Middletown Middletown High School North #31502 New Jersey Monmouth Junction South Brunswick High School #31517 New Jersey Montclair Montclair High School #31520 New Jersey Moorestown Moorestown HS #31529 New Jersey Morris Plains Parsippany Hills High School #31641 New Jersey Morristown Morristown High School #31532 New Jersey Mount Holly Rancocas Valley Regl High School #31535 New Jersey Mountainside Cornerstone Day School #31783 New Jersey Neptune Neptune High School #31541 New Jersey New Brunswick New Brunswick High School #31544 New Jersey Newark Barringer High School #31556 New Jersey Newark Malcolm X Shabazz High School #31562 New Jersey Newark North Star Academy Prep HS #31566 New Jersey Newark St 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Red Bank Catholic High School #31721 New Jersey Richland Saint Augustine Preparatory #31302 New Jersey Ridgewood Ridgewood HS #31727 New Jersey Robbinsville Robbinsville High School #311326 New Jersey Rockaway Morris Hills Regl HS #31733 New Jersey Runnemede Triton Regl High School #31745 New Jersey Saddle Brook Saddle Brook HS #31751 New Jersey Salem Salem High School #31750 New Jersey Skillman Montgomery HS #31759 New Jersey Somerset Franklin HS #31763 New Jersey Somerville Somerville HS #31766 New Jersey South River South River High School #31778 New Jersey Succasunna Roxbury HS #31787 New Jersey Sussex High Point Regional HS #31795 New Jersey Teaneck Teaneck HS #31793 New Jersey Toms River Toms River High School East #31806 New Jersey Toms River Toms River HS S #31805 New Jersey Trenton Trenton Central High School West #31824 New Jersey Union City Union City High School #31832 New Jersey Vernon Glen Meadow Mid School #31837 New Jersey Vineland Vineland High School #31841 New Jersey 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For Info, Research Tech #33394 New York Flushing The Windsor School #33405 New York Flushing Francis Lewis HS #33406 New York Forest Hills Forest Hills HS #33412 New York Franklin Square H Frank Carey HS #33418 New York Freeport Freeport HS #33424 New York Great Neck Great Neck S HS #33458 New York Great Neck Miller-N Sr HS #33456 New York Hampton Bays Hampton Bays High School #33478 New York Hempstead Hempstead HS #33490 New York Huntington Station Walt Whitman HS #33510 New York Jamaica Hillcrest HS #33522 New York Levittown Island Trees High School #33552 New York Lido Beach Long Beach Senior High School #332885 New York Long Island City Evangel Christian School #33567 New York Long Island City W C Bryant HS #33568 New York Manhasset Manhasset HS #33584 New York Massapequa Massapequa HS #33598 New York Medford Patchogue-Medford HS #33602 New York Merrick Sanford H Calhoun HS #33606 New York Middletown Middletown High School #33614 New York Miller Place Miller Place HS #33618 New York Mt Vernon Mt Vernon HS #33624 New York New Rochelle New Rochelle HS #33642 New York New York A Philip Randolph Campus HS #33265 New York New York Eleanor Roosevelt HS #33668 New York New York Life Sciences Sec Sch #33016 New York New York Northeastern Academy (Sunday Test Center) #33672 New York New York Promise Academy Charter High School #33678 New York New York Washington Irving High School #33690 New York New York Leman Manhattan Preparatory School #33677 New York New York P35/Manhattan High School #33168 New York New York Park West HS #33676 New York New York Thurgood Marshall Academy #33686 New York Newburgh Newburgh Free Acad #33698 New York North Babylon North Babylon HS #33704 New York Oceanside Oceanside HS #33724 New York Old Westbury Westbury HS #33982 New York Peekskill Peekskill HS #33754 New York Ridgewood Grover Cleveland High School #33800 New York Rockville Centre South Side HS #33822 New York Roosevelt Roosevelt Jr-Sr HS #33826 New York Scarsdale Edgemont HS 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#34135 North Carolina Bladenboro West Bladen High School #34103 North Carolina Bryson City Swain County High School #34171 North Carolina Buies Creek Campbell U #34175 North Carolina Chapel Hill Chapel Hill Sr High School #34205 North Carolina Charlotte Phillip O'Berry Acad #34246 North Carolina Charlotte E Mecklenburg HS #34215 North Carolina Charlotte Garinger Campus Of Schools #34220 North Carolina Charlotte Hawthorne High School #34659 North Carolina Charlotte Mallard Creek HS #34231 North Carolina Charlotte Myers Park HS #34235 North Carolina Charlotte Providence Day Sch #34237 North Carolina Charlotte Providence HS #34236 North Carolina Charlotte S Mecklenburg High School #34640 North Carolina Charlotte Victory Christian Ctr Sch #34234 North Carolina Charlotte W Charlotte High School #34240 North Carolina Charlotte Hawthorne HS (Sunday Test Center) #34697 North Carolina China Grove Jesse C. Carson High School #34868 North Carolina Columbia Columbia HS #34243 North Carolina Concord Ctrl Cabarrus High School #34250 North Carolina Cornelius William Amos Hough HS #34248 North Carolina Dudley Southern Wayne High School #34273 North Carolina Durham Nc School Science Math #34294 North Carolina Durham North Carolina Ctrl U #34295 North Carolina Durham City Of Medicine Acad #34292 North Carolina Durham Jordan HS #34290 North Carolina Elizabethtown East Bladen HS #34325 North Carolina Elon Western High School #34340 North Carolina Fayetteville Cape Fear HS #34693 North Carolina Fayetteville Douglas Byrd Sr HS #34350 North Carolina Fayetteville Terry Sanford HS #34360 North Carolina Franklin Franklin High School #34375 North Carolina Gastonia Hunter Huss High School #34390 North Carolina Gibsonville Eastern Guilford High School #34691 North Carolina Goldsboro Goldsboro HS #34400 North Carolina Graham Graham High School #34405 North Carolina Greensboro Ben Smith Sr High School #34415 North Carolina Greensboro Grimsley HS #34430 North Carolina Greensboro Southern Guilford High School #34468 North Carolina Greensboro The Academy At Smith #34449 North Carolina Greensboro W H Page High School #34435 North Carolina Greensboro The Academy At Smith (Sunday Test Center) #34749 North Carolina Greensboro Grimsley HS-Auditorium (Sunday Test Center) #34425 North Carolina Harrisburg Hickory Ridge High School #34591 North Carolina Hayesville Hayesville HS #34447 North Carolina Hendersonville Hendersonville High School #34455 North Carolina Hickory Lenoir-Rhyne Univ #34465 North Carolina High Point High Point Ctrl HS #34470 North Carolina Hillsborough Cedar Ridge High School #34476 North Carolina Hillsborough Orange High School #34475 North Carolina Hope Mills South View HS #34672 North Carolina Huntersville N Mecklenburg HS #34485 North Carolina Huntersville Lake Norman Charter Sch #34486 North Carolina Indian Trail Porter Ridge HS #34639 North Carolina Jamestown Ragsdale High School #34500 North Carolina Kenansville James Sprunt Comm Coll #34515 North Carolina Kenly North Johnston HS #34896 North Carolina Kernersville E Forsyth High School #34520 North Carolina King West Stokes HS #34534 North Carolina Kings Mtn Kings Mountain High School #34811 North Carolina Laurinburg Scotland HS #34540 North Carolina Lenoir W Caldwell High School #34550 North Carolina Lexington Central Davidson Sr High School #34564 North Carolina Lexington Lexington Sr High School #34560 North Carolina Lincolnton W Lincoln High School #34272 North Carolina Louisburg Louisburg Coll #34569 North Carolina Lumberton Lumberton High School #34570 North Carolina Mcleansville Northeast High School #34571 North Carolina Mint Hill Rocky River HS #34583 North Carolina Monroe Sun Valley High School #34779 North Carolina Monroe Union Academy Charter Sch #34607 North Carolina Mooresville Lake Norman HS #34604 North Carolina Mooresville Mooresville HS #34603 North Carolina Newton Grove Hobbton HS #34625 North Carolina Oak Ridge Oak Ridge Military Acad #34622 North Carolina Oxford J F Webb High School #34630 North Carolina Pembroke Purnell Swett High School #34633 North Carolina Plymouth Plymouth HS #34645 North Carolina Raleigh Broughton High School (Sunday Test Center) #34658 North Carolina Raleigh Athens Drive HS #34666 North Carolina Raleigh Enloe HS W #34670 North Carolina Raleigh Leesville Road HS #34056 North Carolina Raleigh Needham Broughton HS #34665 North Carolina Raleigh Saint Augustine'S Coll #34664 North Carolina Raleigh Shaw U #34662 North Carolina Raleigh Vernon Malone College/Career Ctr #34050 North Carolina Raleigh Wake Christian Acad #34677 North Carolina Red Springs Red Springs High School #34673 North Carolina Rocky Mount Nash Central HS #34701 North Carolina Rocky Mount Northern Nash HS #34695 North Carolina Roxboro Person High School #34705 North Carolina Salisbury Salisbury High School #34725 North Carolina Shelby Crest High School #34740 North Carolina Shelby Shelby High School #34735 North Carolina Siler City Jordan-Matthews High School #34734 North Carolina Smithfield Smithfield-Selma Sr High School #34750 North Carolina Southern Pines Pinecrest HS #34755 North Carolina Southern Pines O'Neal High School #34754 North Carolina Statesville Statesville HS #34765 North Carolina Tabor City South Columbus HS #34781 North Carolina Thomasville Thomasville Sr High School #34790 North Carolina Trenton Jones Sr High School #34772 North Carolina Wadesboro Anson Sr High School #34795 North Carolina Wake Forest Heritage HS #34874 North Carolina Washington Washington HS #34805 North Carolina Whiteville Whiteville HS #34820 North Carolina Wilkesboro Wilkes Ctrl High School #34825 North Carolina Wilson R L Fike Sr High School #34845 North Carolina Windsor Bertie High School #34850 North Carolina Winston-Salem Mount Tabor HS #34866 North Carolina Winston-Salem North Carolina School Of The Arts #34858 North Carolina Winston-Salem Parkland High School #34855 Ohio Chillicothe Chillicothe High School #36170 Ohio Cincinnati Lasalle HS #36180 Ohio Hamilton Stephen T Badin HS #36390 Ohio Marietta Marietta High School #36444 Pennsylvania Abington Abington Sr HS #39100 Pennsylvania Allentown Jewish Day Sch (Sunday Test Center) #39108 Pennsylvania Allentown Louis E. Dieruff HS #39101 Pennsylvania Allentown Wm Allen HS #39112 Pennsylvania Allentown Roberto Clemente Charter Sch #39115 Pennsylvania Altoona Altoona Area HS #39116 Pennsylvania Belle Vernon Belle Vernon Area HS #39141 Pennsylvania Bensalem Bensalem HS #39142 Pennsylvania Berwick Berwick Sr HS #39144 Pennsylvania Berwyn Conestoga High School #39146 Pennsylvania Bethlehem Liberty HS #39152 Pennsylvania Boswell North Star HS #39153 Pennsylvania Brownsville Brownsville Area HS #39161 Pennsylvania Camp Hill Camp Hill High School #39170 Pennsylvania Carlisle Carlisle Sr High School #39182 Pennsylvania Chester Chester High School #39192 Pennsylvania Coal Township Shamokin Area Ms/HS #39644 Pennsylvania Coatesville Coatesville Area Sr High School #39206 Pennsylvania Connellsville Connellsville Area High School #39210 Pennsylvania Cresson Penn Cambria Sr H S #39219 Pennsylvania Drexel Hill Msgr Bonner Arch. Prendergast HS #39230 Pennsylvania Easton Easton Area HS #39238 Pennsylvania Elliottsburg W Perry HS #39243 Pennsylvania Exeter Wyoming Area HS #39262 Pennsylvania Fairless Hills Pennsbury HS-E #39264 Pennsylvania Fort Washington Germantown Acad #39274 Pennsylvania Freeland Mmi Prep Sch #39497 Pennsylvania Greensburg Greensburg Salem HS #39288 Pennsylvania Harrisburg Silver Academy (Sunday Test Center) #39308 Pennsylvania Hazle Township Hazleton Area HS #39318 Pennsylvania Hershey Hershey HS #39322 Pennsylvania Holland Council Rock HS-S #39469 Pennsylvania Imperial West Allegheny HS #39335 Pennsylvania Johnstown U Of Pittsburgh At Johnstown #39342 Pennsylvania King Of Prussia Upper Merion Area HS #39348 Pennsylvania Kingston Wyoming Seminary #39354 Pennsylvania Lancaster J P Mccaskey High School #39365 Pennsylvania Landisville Hempfield High School #39366 Pennsylvania Langhorne Neshaminy HS #39368 Pennsylvania Lansdale North Penn HS #39370 Pennsylvania Lansdowne Penn Wood Sr HS #39372 Pennsylvania Lewisburg Lewisburg Area High School #39384 Pennsylvania Malvern Malvern Prep Sch #39396 Pennsylvania Mckees Rocks Montour HS #39404 Pennsylvania Mckeesport Mckeesport Area Sr HS #39406 Pennsylvania Mill Hall Ctrl Mtn HS #39425 Pennsylvania Monongahela Ringgold High School #39434 Pennsylvania Monroeville Gateway Sr HS #39436 Pennsylvania New Oxford New Oxford High School #39531 Pennsylvania Newtown Council Rock HS N #39468 Pennsylvania Newtown George Sch #39470 Pennsylvania Newtown Square Delaware Co Christian Sch #39471 Pennsylvania Newtown Square Marple Newtown High School #39472 Pennsylvania Norristown Norristown Area HS #39474 Pennsylvania Philadelphia University Of Pennsylvania (Sunday Test Center) #39532 Pennsylvania Philadelphia Archbishop Ryan High School N #39502 Pennsylvania Philadelphia Franklin Towne Charter HS #39540 Pennsylvania Philadelphia J W Hallahan Girls' High School #39495 Pennsylvania Philadelphia Samuel S Fels HS #39519 Pennsylvania Philadelphia St Josephigh School Prep Sch #39522 Pennsylvania Philadelphia West Philadelphia High School #39538 Pennsylvania Philadelphia World Communications Charter Sch #39599 Pennsylvania Pine Forge Pine Forge Academy (Sunday Test Center) #39548 Pennsylvania Pittsburgh Mt. Lebanon High School #39442 Pennsylvania Pittsburgh Penn Hills HS #39574 Pennsylvania Pittsburgh Plum Sr HS #39576 Pennsylvania Pittsburgh Seton-La Salle Regl HS #39578 Pennsylvania Pittsburgh Taylor Allderdice HS #39563 Pennsylvania Plains Coughlin HS-Rpt To Soloman Plains HS #39728 Pennsylvania Plymouth Meeting Plymouth-Whitemarsh High School #39592 Pennsylvania Pocono Summit Pocono Mountain West High School #39685 Pennsylvania Pottstown Owen J Roberts HS #39596 Pennsylvania Pottstown The Hill School #39594 Pennsylvania Pottsville Pottsville Area High School #39600 Pennsylvania Radnor Radnor Sr High School #39612 Pennsylvania Reading Reading Sr High School #39616 Pennsylvania Royersford Pope John Paul Ii High School #39629 Pennsylvania Royersford Spring-Ford High School #39628 Pennsylvania Scranton Scranton HS #39640 Pennsylvania Shillington Governor Mifflin HS #39652 Pennsylvania Shippensburg Shippensburg Area Sr HS #39654 Pennsylvania Springfield Cardinal O'Hara HS #39662 Pennsylvania State College State College Area HS #39670 Pennsylvania Tunkhannock Tunkhannock Area HS #39682 Pennsylvania Tyrone Tyrone Area HS #39688 Pennsylvania Uniontown Uniontown Area Sr High School #39690 Pennsylvania Wallingford Strath Haven High School #39700 Pennsylvania Warrington Central Bucks High School South #39718 Pennsylvania Washington Trinity HS #39709 Pennsylvania West Chester West Chester E High School #39721 Pennsylvania West Chester Westtown School #39726 Pennsylvania West Lawn Wilson Sr HS #39722 Pennsylvania Wyomissing Wyomissing Area HS #39738 Pennsylvania Yardley New Hope Academy #394997 Pennsylvania York Wm Penn Sr HS #39742 Rhode Island Providence New England Academy Of Torah (Sunday Test Center) #40205 Rhode Island Westerly Westerly HS #40255 South Carolina Anderson T L Hanna HS #41105 South Carolina Batesburg Batesburg-Leesville HS #41306 South Carolina Bishopville Lee Central High School #41154 South Carolina Central D W Daniel High School #41125 South Carolina Cheraw Cheraw High School #41165 South Carolina Columbia Ben Lippen School #410501 South Carolina Columbia A C Flora HS #41175 South Carolina Columbia Dreher HS #41190 South Carolina Columbia Eau Claire HS #41211 South Carolina Columbia Ridge View HS #41202 South Carolina Columbia Spring Valley HS #41196 South Carolina Cordova Edisto High School #41214 South Carolina Florence West Florence High School #41220 South Carolina Fort Mill Indian Land HS #41401 South Carolina Gaffney Gaffney Sr HS #41230 South Carolina Greenville Berea HS #41240 South Carolina Greenville Greenville Technical Coll #41244 South Carolina Greenwood Greenwood HS #41260 South Carolina North Augusta North Augusta Sr HS #41325 South Carolina Pickens Pickens HS #41999 South Carolina Prosperity Mid Carolina HS #41322 South Carolina Rock Hill Northwestern HS #41335 South Carolina Rock Hill Rock Hill HS #41550 South Carolina Rock Hill Winthrop U #41337 South Carolina Roebuck Dorman HS #41345 South Carolina Simpsonville Hillcrest HS #41340 South Carolina Simpsonville Southside Christian Sch #41209 South Carolina Spartanburg Broome HS #41351 South Carolina Spartanburg Spartanburg HS #41350 South Carolina West Columbia Midlands Technical Coll #41198 South Carolina Westminster West-Oak HS #41375 South Carolina Woodruff Woodruff HS #41377 Tennessee Antioch Cane Ridge High School #43101 Tennessee Brentwood Brentwood HS #43104 Tennessee Chattanooga Mccallie Sch #43115 Tennessee Chattanooga U Of Tennessee #43117 Tennessee Franklin Centennial HS #43131 Tennessee Hendersonville Pope John Paul Ii HS #43188 Tennessee Jackson Uu Center For Continuing Studies #43145 Tennessee Johnson City East Tennessee State University (Sunday Test Center) #43151 Tennessee Kingsport Dobyns-Bennett High School #43155 Tennessee Knoxville U Of Tennessee #43146 Tennessee Lebanon Friendship Christian School #43171 Tennessee Livingston Livingston Acad #43175 Tennessee Nashville Hume-Fogg Academic HS #43221 Tennessee Nashville Lipscomb U #43210 Tennessee Nashville U Sch Of Nashville #43222 Tennessee Oak Ridge Oak Ridge HS #43225 Tennessee Sewanee St Andrew'S-Sewanee Sch #43230 Tennessee Seymour The King'S Acad #43108 Tennessee Smyrna Smyrna HS #43500 Virginia Abingdon Virginia Highlands Comm Coll #47101 Virginia Alexandria Hayfield Sec Sch #47112 Virginia Alexandria Mt Vernon High School #47110 Virginia Alexandria T C Williams High School #47115 Virginia Alexandria W Potomac High School #47105 Virginia Arlington Wakefield High School #47140 Virginia Arlington Yorktown HS #47150 Virginia Bassett Bassett HS #47152 Virginia Berryville Clarke County HS #47156 Virginia Buckingham Buckingham County High School #47169 Virginia Chantilly Chantilly HS #47180 Virginia Chantilly Westfield HS #47179 Virginia Charlottesville Charlottesville HS #47195 Virginia Chatham Chatham High School #47208 Virginia Chester Thomas Dale High School #47220 Virginia Chesterfield Matoaca High School #47057 Virginia Christiansburg Christiansburg High School #47168 Virginia Courtland Southampton High School #47235 Virginia Culpeper Eastern View High School #47250 Virginia Daleville Lord Botetourt High School #47253 Virginia Danville George Washington High School #47255 Virginia Dendron Surry County HS #47526 Virginia Emporia Greensville County HS #47275 Virginia Fairfax J W Robinson Sec Sch #47295 Virginia Falls Church Stuart High School #47315 Virginia Floyd Floyd County High School #47328 Virginia Fredericksburg Massaponax HS #47299 Virginia Front Royal Skyline High School #47348 Virginia Galax Galax High School #47350 Virginia Hampton Bethel High School #47371 Virginia Hampton Hampton HS #47375 Virginia Harrisonburg Harrisonburg High School #47385 Virginia Henrico Hermitage High School #47575 Virginia Henrico Henrico High School #47591 Virginia Henrico Varina High School #47188 Virginia Herndon Herndon High School #47395 Virginia Highland Springs Highland Springs High School #47400 Virginia King George King George High School #47376 Virginia Lorton South County High School #47428 Virginia Lynchburg E C Glass High School #47435 Virginia Lynchburg Heritage High School #47440 Virginia Lynchburg Liberty University #47431 Virginia Lynchburg Virginia Episcopal School #47445 Virginia Manassas Stonewall Jackson High School #47451 Virginia Martinsville Martinsville High School #47460 Virginia Mclean Mclean High School #47463 Virginia Mechanicsville Hanover High School #47468 Virginia Mechanicsville Lee-Davis High School #47466 Virginia Midlothian Manchester High School #47222 Virginia Mineral Louisa County High School #47226 Virginia Montross Washington Lee High School #47228 Virginia N. Chesterfield Monacan High School #47595 Virginia Newport News Denbigh High School #47480 Virginia Newport News Heritage High School #47488 Virginia Nokesville Brentsville District High School #47489 Virginia Nokesville Patriot High School #47494 Virginia Onley Nandua High School #47515 Virginia Petersburg Richard Bland Coll #47525 Virginia Petersburg Virginia State University #47530 Virginia Powhatan Powhatan High School #47500 Virginia Purcellville Loudoun Valley High School #47659 Virginia Richmond Virginia Union University #47593 Virginia Richmond John Marshall High School #47585 Virginia Richmond Thomas Jefferson High School #47605 Virginia Richmond Thomas Jefferson High School (Sunday Test Center) #47606 Virginia Roanoke Patrick Henry High School #47615 Virginia Roanoke William Fleming High School #47608 Virginia Springfield Robert E Lee High School #47650 Virginia St George Blue Ridge Sch #47656 Virginia Stafford Colonial Forge High School #47629 Virginia Stafford Mountain View High School #47000 Virginia Stafford North Stafford High School #47628 Virginia Staunton Robert E Lee High School #47660 Virginia Suffolk King'S Fork High School #47686 Virginia Suffolk Lakeland High School #47678 Virginia Tangier Tangier High School #47690 Virginia Tappahannock St Margarets School #47695 Virginia Tazewell Tazewell High School #47700 Virginia Victoria Central High School #47900 Virginia Williamsburg Lafayette HS #47745 Virginia Winchester Millbrook High School #47776 Virginia Wise University Of Va At Wise #47760 Virginia Woodbridge C D Hylton Sr High School #47778 Virginia Woodbridge Forest Pk High School #47773 Virginia Woodbridge Garfield High School #47775 Virginia Woodstock Massanutten Mil Acad #47781 Virginia Yorktown Grafton High School #47791 West Virginia Bluefield Bluefield High School #49105 West Virginia Charleston U Of Charleston #49115 West Virginia Glenville Glenville State College #49122 West Virginia Hedgesville Hedgesville HS #49116 West Virginia Logan Logan Senior HS #49134 West Virginia Morgantown West Virginia University #49135 West Virginia Ona Cabell Midland HS #49137 West Virginia Pt. 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Posted by Unknown at 8:52 AM
Thursday, November 21, 2019
The subÃ¢â¬ prime crisis - Essay Example taking their toll on the modern economies however with prudent monetary policy and effective risk management practices, the future episodes of such nature may be avoided. Getting consumer credit through various financial institutions especially banks requires consumers to maintain a certain degree of credit rating in order to qualify for those loans. Unlike large corporate companies, consumers or rather individuals pose a different challenge and dynamics to financial institutions to cater their needs for credit and formal funding requirements of these individuals. It is because of this reason that various banks and financial institutions have developed their internal rating methodologies which they assign to various consumers asking for credit. Banks than through their internal as well external credit scores or ratings decide to whom they should provide the credit. These criteria of credit rating often are designed to be tough since Banks in order to avoid defaults, tighten their criteria to extend the credit to these customers. However, due to increasing needs of those customers, whose credit history or their credit ratings do not fall under the cri teria laid down by the banks, banks try to accommodate them also. Sub-prime lending is the part of that phenomenon. Ã¢â¬Å"Sub-Prime lending typically has been characterized as lending at relatively costly interest rates and fees to credit impaired or otherwise high risk borrowers.Ã¢â¬ Error: Reference source not found. Subprime loans are among the newly popular mortgage products, such as interest-only loans, for people with strained budgets, including first-time buyers. Homeowners increasingly use them to refinance and consolidate household debts when their credit scores fall in the wake of bankruptcy, high medical bills, or other setbacks.Error: Reference source not found. It is generally believed that the subprime borrowers emerge due to lack of the good credit history on their back and since there number grew
Posted by Unknown at 7:01 AM
Wednesday, November 20, 2019
SWOT Analysis of Apple - Research Paper Example It could not be denied that this name has assisted them in becoming better pioneers of quality product and high-end service in the field of technological developments. As noted earlier in the discussion, Apple is a well-known brand worldwide. It is undeniable that this brand has naturally grown among the other brands that introduced high-end quality to the market. As an established brand, it could be observed that Apple Computer Corporation is already a well-known name in the industry that the market would likely be able to readily trust. (Carlton, 2000, 33) IT is also noticeable how the pioneering status of the organization was able to carry out its name in the field of global trade. Certainly, through this status, Apple has no problem penetrating any outside market besides the United States and the United Kingdom Territories. (Deutschmann, 2000, 43)From this particular fact, it could be observed that it is an essential asset of the corporation to take great concern of the fact that they were already able to establish the right kind of reputation for their carrier brand to make a great impact in the world market. Marketing the said brand to the worldwide number of target purchasers would become much easier to handle since the reputation of the organization has already been trusted within the global market. The proof for this fact had been continuously presented through the level of sales that the corporation annually makes worldwide. The level of profit that is set for the Weaknesses One particular mater that is serving as a weakness on the part of the business strategies adapted by Apple Corporation, as their primary asset against global competition, is that of loosing their contract with that of IBM and replacing their processor with Intel. This particular approach to change may cause a lot of troubles on the part of the confusion of the people as to what particular brand they are supposed to trust. Of course, both Intel and IBM have their own reputations in the industry. Over the years, there are some percentage of the major customers trusting Apple Computers simply because they trust IBM as a quality producer and distributor of processors. Hence, with the sudden change of provider, some of the customers may make different decisions when it comes to purchasing the products that they are offering today. OUTSOURCING is also one issue that may serve the Apple Corporation both the best and worst results of business. It could be noted that as the company began to outsource from China, India and Taiwan, the cost of expenses on the part of the company has decreased, giving them better chances of decreasing the rate of their products as offered to the market. However, it is also through this particular fact that some of the major clients of the organization may be lost simply upon knowing that the other parts of the gadgets distributed by the company was not made from the United States or UK. This situation cannot be controlled simply by saying that the works from other countries where the company outsourcers its programs and hardware parts from are of high-edge quality. Some consumers could not be robbed off from their belief on the brand and manufacturer that they trust. Opportunities With the growing number of technological gadgets released in the market every now and then, it could be
Posted by Unknown at 8:08 AM
Sunday, November 17, 2019
The Peculiarities of Literacy Education - Essay Example With computer technology text messages and images can move around the screen, produce music and movements, can freeze and navigate images and therefore in this way readers not only adopt the visual image but transform it, in this way, therefore, young people are using computers to construct their own meanings and also adapting to new forms.3 However print text is also important in developing the children's burgeoning development of literacy, there are certain prescribed practices that accompany each type of text, there is a rule that is embedded in each type of text and that the most important thing is to isolate and understand the different practices and the tacit understanding of the children in different subject, hence we must not concentrate purely on the linguistic but also on the multimodal. Children are dealing with greater network of meaning and the literacy curriculum need to match that in order for them to be set for the future, there is a difference between the literacy's children are learning at home and at the literacy class, this differences must be learnt and explored because children feel the differences between the literacy classes and the plugin technology and therefore there is need to help them accept the different literacy experiences in their lives. The text children enjoy at home are electronic, therefore the choice of text in the literacy class need to reflect the multimodality seen in websites by the children in order to appeal their reading behaviour, this would include novels, biographies, columns and poems from best writers that enrich the lives of our students. Further, the texts that touch on the emotional and intellect of readers are likely to move them into a greater depth of understanding. The use of technology, therefore, need to be viewed as the way in which students gain more knowledge and become literate, there is need to incorporate technology and using texts that appeal the reading habits of students, there is also the need to match the differences between the literacy classes and the plug-in technology. Teachers need to redefine reading in a way that it will embrace the interest and the needs of students, Booth outlined twelve steps in which teachers need to revolutionize the way they encourage children to read and this include; redefining what reading means, including comics and magazines in reading programs, including stories in programs because a story is the heart of literacy, helping the students through building strong reading muscles, valuing the responses of students, viewing writing as literacy, recognising the different stage and ages of students, focusing on literacy in every subject, welcoming young people into literacy culture, exploring how words work, understanding that technology is part of literacy and finally turning printed texts into active learning.Ã Ã
Posted by Unknown at 10:36 PM
Friday, November 15, 2019
Empowering Women Entrepreneurs To Drive Growth The term Entrepreneur covers individuals who have vision and skill and are capable of converting vision in to action for the good of the society. Due to changes in demand in the Market, there is a scope for a class of people on large-scale who can convert the available resources into good of society, called Entrepreneurs. So, a person who possess skill, initiative and innovative ideas for high achievements in business, and important qualities of an Entrepreneurship is taking the risk and making the necessary investments under the conditions of uncertainty. Entrepreneurship is a process of understanding opportunities in the environment, with respect to one`s own abilities, with a view to create wealth for oneself through a legal entity. A close relationship exists between opportunity and individual needs. To be an Entrepreneurial opportunity, a prospect must meet two tests: it must represent a desirable future state, involving growth or at least change and the individual must believe it is possible to reach that state. So, Entrepreneurship is understood by, being innovative, risk taking, dynamic, flexible, growth-oriented, creative, starting and operating new ventures. Now is the time for Women to venture into the Entrepreneurial world. Women owned businesses are highly increasing in the economies of almost all countries. The hidden entrepreneurial potentials of women have gradually been changing with the growing sensitivity to the role and economic status in the society. Skill, Knowledge and adaptability in business are the main reasons for women to emerge into business ventures. Women Entrepreneur is a person who accepts challenging role to meet her personal needs and become economically independent. A strong desire to do something positive is an inbuilt quality of entrepreneurial women, who is capable of contributing values in both family and social life. With the advent of media, women are aware of their own traits, indulged in every line of business from pappad to power cables. The challenges and opportunities provided to the women are women of digital era are growing rapidly that the job seekers are turning into job creators. They are flouris hing as designers, interior decorators, exporters, publishers, garment manufacturers and still exploring new avenues of economic participation. In India although women constitute the majority of the total population, the entrepreneurial world is still a male dominated one. Women in advanced nations are recognised and are more prominent in the business world. 2010 was the first time ever there were more women in the work force than men. In terms of women-owned businesses, between 1997 and 2011 there was a 50% increase, while male owned business only grew 25% (According to American Express Report). Why Women make excellent Entrepreneurs in the Digital Age? How Women are dominating the entrepreneurs landscape and are using their skills to succeed. As times are tough for everyone, more families are moving towards dual-income households. Also technology advancements are making a virtual workplace attainable for women, who are looking to balance family and their career. In the digital landscape, women tend to possess certain skills that create a competitive advantage. Strong Communication Skills Social Intelligence. Good Listeners. Collaborative. Prefer Lower Risk. A dynamic Entrepreneurship sector is one of the various factors for prosperity of economy which is necessary to leverage the wealth and innovation capacity of the developed countries. This conceptual paper indicates and emphasizes the Women Entrepreneurs as the potentially emerging human resources in the 21st century to overcome the economic challenges in global perspective. Key Words: Entrepreneur: Individual holding vision for creating opportunity for economic growth. Challenges: Impediments on the way towards achievement of final goal. Opportunities: Chances for developing professionally or personally. Methodology: This is a concept paper and the researcher has adopted the method of reviewing different research articles, research journals and case studies to collect data about entrepreneurship and women entrepreneurship which is consequently incorporated as a concept paper drafted by the researcher. ******* INTRODUCTION TO ENTREPRENEUR/ENTREPRENEURSHIP: Entrepreneurship is often associated with a person who starts his own, new and small business, like manufacturing, transport, trade and all other self-employed vocations in the service sector. But not every new small business is Entrepreneurial or represents Entrepreneurship. In the early 1th century, the Frenchmen, who organised and led military expeditions were offered to ad Entrepreneur. Around 1700 A.D. the term was used for architects and contractors of public work. The term Entrepreneur was applied to business initially in the 18th century by the French Economist, Cantillon, who was designated as a dealer who purchases the means of production for combining them into marketable products. Another Frenchman, J.B. Say expanded Cantillon`s idea and conceptualized the Entrepreneur as a organizer of business firm, central to its distributive and productive functions. According to J.B Say, An Entrepreneur is the economic agent who unites all means of production, the labour force of the one and the capital or land of the others and who finds in the value of the produces which results from their employment, the reconstitution of the entire capital that he utilizes and the value of wages the interest and the rent which he pays as well as profits belonging to himself. According to current thinking, Entrepreneurship is the ability of a person who detects and evaluates a new situation in his environment and directs the making of such adjustment in the economic system as he deems necessary. The term Entrepreneur covers individuals who have vision and skill and are capable of converting vision in to action for the good of the society. Due to changes in demand in the market there is a scope for a class of people on large-scale who can convert the available resources into good of society, called Entrepreneurs. During the above process, the Entrepreneur nee ds to discharge several functions to succeed in his activities like, innovation, risk bearing, decision making, planning, controlling..etc. and should possess entrepreneurial skills like technical skills, managerial skills and personal skills. In India, the Entrepreneurial development programmes are taking place to develop entrepreneurs, like, sharpening individual behaviour and traits, guidance on project planning and development of business opportunities that come in the way, and developing managerial and operational capabilities. These activities are very important in the economic growth of the country. Since, the small-scale Industries are forming a major part of the economic growth of the country, the importance of the Entrepreneur is gaining momentum and they are the need of the hour to have a rapid economic growth. Entrepreneurship is not just confined to any one gender now rather due to multi-faceted economic pressures women have turned up and realized that the survival of their families their own potential lies only in working side by side with men. Marlow, (2002). Education of woman have no doubt given them immense confidence encouragement to serve discover new business avenues. However the ground realities do differ to a great extent as far as geographical boundaries are concerned. Globally women are considered as weaker gender physically and emotionally, therefore prospects open for them to develop into business professionals is an area still quite unexplored and needs attention. Wennekers, (1999). Overcoming the challenges of business world are no doubt more treacherous for women than their male counterparts, therefore they undergo various impediments to achieve their business success. Allen and truman, (1993). Fortunately due to technological advancement means of communication the world has turned into a global community which has created new channels opened up avenues for women to explore not only their potential aptitudes rather search for better business opportunities. Carter, (2001). ENTREPRENUERSHIP FOR WOMEN: A question arises here that what Entrepreneurship means for a woman? How a women conceives the idea of Entrepreneurship? Definition: An enterprise owned and controlled by women having a minimum financial interest of 51% of capital and giving at least 51% of employment generated in the enterprise to women. Women who think of a business enterprise, initiate it, organize and combine the factors of production, operate the enterprise and undertake risk and handle economic uncertainty involved in running a business enterprise. Why do Women Take-up Employment? Push Factors Death of bread winner Sudden fall in family income Permanent inadequacy in income of the family Pull Factors Women`s desire to evaluate their talent To utilize their free time or education Need and perception of Women`s Liberation, Equity etc. To gain recognition, importance and social status. To get economic independence Third category Illiterate women Financially week Involved in family business such as Agriculture, Horticulture, Animal Husbandry, Dairy, Fisheries, Agro Forestry, Handloom, Power loom etc. INDIAN SCENARIO: The Indian woman play very many roles, pure, supreme or virtues to vice or downtrodden. Constantly, the role is also undergoing several changes. While playing their role, Indian Women are confronted with contradictions. Because of these contradictions, they are unable to identify themselves with the society. The attitude, perceptions, roles..etc of Indian Women look like an assembly of diverse fragments. This perplexed situation of Indian women has made it very difficult to define their roles and they cannot identify their roles for themselves. Because of this plain truth assuming the role of entrepreneur and leadership for an Indian Women was a difficult task. But still times have changed. The present society is freeing the Indian Women from the chains and shackles of centuries. This is slow but definitely shift over is happening for the following reasons: The concept of Globalization is accepted in a big way. The sudden emerging trend in information technology and its percolation to every segment of life. Adoption of diversified culture in the Indian society due to globalization and other inherent ethos of Indian society. Unexpected happenings around the world and their impact on Indian society. Change in socio-cultural context due to increased education for women since independence. Change in political ideology and governance of the country. But, In India, the role of Women Entrepreneur is no less significant. Nearly 9% of total Entrepreneurs in small industries are women entrepreneurs. State-wise distribution shows a wide variation between different states. Punjab accounts for 3%, Gujarat occupies the top position with 15%. The areas chosen by women are retail trade, restaurants, hotels, education, cultural, cleaning, insurance and manufacturing. GROWTH PATH: Women owned businesses are highly increasing in the economies of almost all countries. The hidden entrepreneurial potentials of women have gradually been changing with the growing sensitivity to the role and economic status in the society. Skill, knowledge and adaptability in business are the main reasons for women to emerge into business ventures. Women Entrepreneur is a person who accepts challenging role to meet her personal needs and become economically independent. A strong desire to do something positive is an inbuilt quality of entrepreneurial women, who is capable of contributing values in both family and social life. With the advent of media, women are aware of their own traits, rights and also the work situations. The glass ceilings are shattered and women are found indulged in every line of business from pappad to power cables. The challenges and opportunities provided to the women of digital era are growing rapidly that the job seekers are turning into job creators. They are flourishing as designers, interior decorators, exporters, publishers, garment manufacturers and still exploring new avenues of economic participation. In India, although women constitute the majority of the total population, the entrepreneurial world is still a male dominated one. Women in advanced nations are recognized and are more prominent in the business world. In nineteen seventies, Women entrepreneurship began in is real sense. By this time, the first generation after Independence had completed their education. Educated women to fulfil their aspirations and ambitions began opting for self-employment. This was an active step not taken out of compulsions or helplessness, but with zeal to make a better life. In this decade, women were in transition period. They could not come out fully from traditional activities of looking after home, their in-laws, parents, husbands and children. A t the same time they has to get into autonomous economic activities. This was a challenge. Eighties and Nineties saw a sea change in women entrepreneurship domain. These were the decades of the breakthrough for women to become entrepreneurs in many fields. They developed courage to make new beginnings. Parents also developed a new thinking. The traditional practice of making only progeny as a business partner in family owned businesses, (law of Inheritance supporting this), parents started their own consultancy houses, providing different types of technical services. Parents started taking their female children as partners in their businesses. Government also supported this new thinking by making amendments to Succession Act. Legislations said that both male and female have equal rights in the inherited property. This coupled with professional education made young ladies to get into self employment. Many became partners in their family owned business. Good number of lady doctors opened their own clinics. Engineering graduated started their own consultancy houses, providing different types of technical services. They also got into service areas like CA, Advocates, Hospitality business and good number opened secretarial offices. Good percentage of women took to small business activities. Today we can see many women entrepreneurs in small business. In earlier Five year plans, women entrepreneurship concept was not significantly considered. Only in recent plans, particularly after Eight Five Year Plan, Women Empowerment concept came to lime light. From this plan onwards, women started working on new frontiers. The new generation of women did not think on the lines of their mothers. They stated developing independent activities. They had aspirations and ambitions. Taking to self-employment was not out of compulsion or helplessness. It became a desired choice of many ladies to design and develop their own enterprise. Women started thinking that self-employment as an integral aspect of their life. They started thinking on the lines selecting their own careers. Adopting own occupation for income generation without deviating much from the social system is becoming a key factor in a woman`s life. Besides having home and children, women have started thinking to have an independent occupation. While accepting the traditional people behaviour, from older generation, women today expect understanding and support from their husbands and children to have their occupational choice. As entrepreneurs, women want their voice to be heard as leaders, as they are capable of contributing to the growth and success of their enterprise. But the Indian women entrepreneurs are facing some major constraints like a) Lack of confidence: In general, women lack confidence in their strength and competence. The family members and the society are reluctant to stand beside their entrepreneurial growth. To a certain extent, this situation is changing among Indian women and yet to face a tremendous change to increase the rate of growth in entrepreneurship. b) Socio-cultural barriers: Womens family and personal obligations are sometimes a great barrier for succeeding in business career. Only few women are able to manage both home and business efficiently, devoting enough time to perform all their responsibilities in priority. c) Market-oriented risks: Stiff competition in the market and lack of mobility of women make the dependence of women entrepreneurs on middleman indispensable. Many business women find it difficult to capture the market and make their products popular. They are not fully aware of the changing market conditions and hence can effectively utilize the services of media and internet. d) Motivational factors: Self motivation can be realized through a mind set for a successful business, attitude to take up risk and behaviour towards the business society by shouldering the social responsibilities. Other factors are family support, Government policies, financial assistance from public and private institutions and also the environment suitable for women to establish business units. e) Knowledge in Business Administration: Women must be educated and trained constantly to acquire the skills and knowledge in all the functional areas of business management. This can facilitate women to excel in decision making process and develop a good business network. f) Awareness about the financial assistance: Various institutions in the financial sector extend their maximum support in the form of incentives, loans, schemes etc. Even then every woman entrepreneur may not be aware of all the assistance provided by the institutions. So the sincere efforts taken towards women entrepreneurs may not reach the entrepreneurs in rural and backward areas. g) Exposed to the training programs: Training programs and workshops for every type of entrepreneur is available through the social and welfare associations, based on duration, skill and the purpose of the training program. Such programs are really useful to new, rural and young entrepreneurs who want to set up a small and medium scale unit on their own. h) Identifying the available resources: Women are hesitant to find out the access to cater their needs in the financial and marketing areas. In spite of the mushrooming growth of associations, institutions, and the schemes from the government side, women are not enterprising and dynamic to optimize the resources in the form of reserves, assets mankind or business volunteers. Highly educated, technically sound and professionally qualified women should be encouraged for managing their own business, rather than dependent on wage employment outlets. The unexplored talents of young women can be identified, trained and used for various types of industries to increase the productivity in the industrial sector. A desirable environment is necessary for every woman to inculcate entrepreneurial values and involve greatly in business dealings. The additional business opportunities that are recently approaching for women entrepreneurs are: Ã ¢Ã¢â ¬Ã ¢ Eco-friendly technology Ã ¢Ã¢â ¬Ã ¢ Bio-technology Ã ¢Ã¢â ¬Ã ¢ IT enabled enterprises Ã ¢Ã¢â ¬Ã ¢ Event Management Ã ¢Ã¢â ¬Ã ¢ Tourism industry Ã ¢Ã¢â ¬Ã ¢ Telecommunication Ã ¢Ã¢â ¬Ã ¢ Plastic materials Ã ¢Ã¢â ¬Ã ¢ Vermin-culture Ã ¢Ã¢â ¬Ã ¢ Mineral water Ã ¢Ã¢â ¬Ã ¢ Sericulture Ã ¢Ã¢â ¬Ã ¢ Floriculture Ã ¢Ã¢â ¬Ã ¢ Herbal health care Ã ¢Ã¢â ¬Ã ¢ Food, fruits vegetable processing Empowering women entrepreneurs is essential for achieving the goals of sustainable development and the bottlenecks hindering their growth must be eradicated to entitle full participation in the business. Apart from training programs, Newsletters, mentoring, trade fairs and exhibitions also can be a source for entrepreneurial development. As a result, the desired outcomes of the business are quickly achieved and more of remunerative business opportunities are found. Henceforth, promoting entrepreneurship among women is certainly a short-cut to rapid economic growth and development. Let us try to eliminate all forms of gender discrimination and thus allow women to be an entrepreneur at par with men. Women Entrepreneurs in the Digital Age: Why Women Make Excellent Entrepreneurs in the Digital Age 2010 was the first time ever there were more women in the work force than men. In terms of women-owned businesses, between 1997 and 2011 there was a 50% increase, while male-owned business only grew by 25% ( American Express report). Women are dominating the entrepreneur landscape and are using their skills to succeed. HOW.WHY ? As times are tough for everyone, more families are moving towards dual-income households.(as briefed above with push and pull factors) Also, technology advancements are making a virtual workplace attainable for women, who are looking to balance family and their career. By creating a more mobile environment, flexibility is achievable . Womens Competitive Edge: In the digital landscape, there is a stronger growth in women entrepreneurs than men, they could use these skills, many naturally possess, to achieve success. The studies conducted by many scholars with reference to Women competitive edge, believes women tend to possess certain skills that create a competitive advantage like, Strong Communication Skills Social Intelligence Good Listeners Ambitious Enthusiastic Patience Determination to Excel Collaborative Prefer Lower Risk Do womens strong communication and social skills make them more equipped to thrive in our post-industrial digital age? In short, do women have specific skills whether the result of biology or social conditioning that can help them succeed as entrepreneurs? The review of literature reveals, helping entrepreneurs and small business owners launch their brands, It is strongly believed there are several traditionally feminine leadership qualities that are more significant now than ever. 5 reasons why women make great entrepreneurs in the digital era: Is todays business environment more aspiring for female entrepreneurs? Take a look at the points below and let us know whether you think theyre true or not. 1. Women possess strong communication skills and social intelligence. The digital economy requires these skills, and women enjoy a slight edge over their male counterparts (according to numerous studies). 2. Women make good listeners. Whether due to biology or cultural conditioning, women tend to be better listeners and are stronger at drawing people into conversation. This translates to several advantages for the entrepreneur, who can better attune herself to customer needs and build more effective teams of employees, contractors and partners. In fact, many women entrepreneurs often describe building their business as building a team. 3. Women collaborate. Women have worked well together since the earliest female enterprises, whether dividing grains in the village or working in quilting bees. Even some of todays cultural stereotypes have legs, for instance, womens joint trips to the restroom! A 2009 Time magazine article by Claire Shipman and Katty Kay says, [Women are] consensus builders, conciliators and collaborators, and they employ what is called a transformational leadership style heavily engaged, motivational, extremely well suited for the emerging, less hierarchical workplace. The article, entitled Women Will Rule Business, cited projections from the Chartered Management Institute in the UK. Looking ahead to 2018, CMI believes the work world will be more fluid and virtual, and the demand for female management skills will be stronger than ever. 4.Women prefer lower risk. Researchers have begun focusing on the relationship between testosterone and excessive risk, thus evaluating whether groups of men spur each other toward reckless decisions. Whether testosterone influences decision-making or not, research shows that, as a whole, women prefer lower risk opportunities and are willing to settle for lower returns. Virtual workplaces and digitally mobile lifestyles give aspiring women entrepreneurs the flexibility to achieve the balance between work and family. Digital tools mean that women can now build a business from home and create unique work schedules. Risk aversion may go hand-in-hand with motivations for starting a business. A 2007 study from the Small Business Administration (Are Male and Female Entrepreneurs Really That Different?) observes the differences between male and female entrepreneurs in the U.S. The results found that male owners are more likely to start a business to make money, and have higher expectations for their business. Women are more likely to prioritize that business and personal lives work in harmony. The digital age offers a wealth of low-risk opportunities. Ventures like blogging, web-based services, e-commerce and software development require smaller upstart costs than manufacturing-based, brick and mortar type businesses. Cloud-based tools and virtual workforces further lower the cost of entry, making the idea of starting a business more feasible and/or palatable for risk-averse entrepreneurs. But a strength can also be a weakness. Yes, the tendency to minimize risk can lead to higher success rates for female entrepreneurs. However, risk-phobia can also mean women are more likely to limit the size of their businesses, and less likely pursue outside funding from investors to fuel growth. On an average, men-owned firms are larger than women-owned firms. Its up to each individual business owner to define the goals of his or her business. If a woman chooses to pursue a smaller business venture that lets her balance her business and personal life in more harmony, more power to her. For now, I think we should celebrate the growth in women entrepreneurs, but also wonder if woman-owned high growth startups are an under-utilized resource in our economy. Its time we made space for the underdog if that term even applies anymore. What do you want to say? Click here to cancel reply. Next generation of female entrepreneurs at heart of business The next generation of entrepreneurs bucking the economic trend by putting values back at the heart of business. And women are giving men a run for their money. The successful female social entrepreneurs as role models for women in business and aspiring female entrepreneurs. Unlike the private sector, women who set up and run a business with a social or community purpose are as widespread as their male counterparts. At the risk of generalizing, women have a real advantage in leadership that might be a great advantage in the business world. They can act and lead while staying tuned into their colleagues. Being confident enough to use that is crucial. Women leaders shouldnt try to be one of the guys. They can use their natural gifts to their advantage. Sam Baumber, Business Development Manager at the Social Enterprise Academy says that female social entrepreneurs are the role models for business leaders in the current economic climate. Women who are leading successful social enterprises are role models for women thinking about setting up their own business. In the current climate social enterprise is thriving and these inspiring women prove that values of team work and emotional intelligence that women often bring as leaders can help build successful and resilient businesses. Many of our graduates who started with an idea and burning passion and have developed into leading female social entrepreneurs in India and we hope their success stories will help others with an idea to make it happen.Ã « Fewer matches Ã « Fewer matches Ã « Fewer matches Ã « Fewer matches Women in Business Challenge 2013: Empowering Women Entrepreneurs to Drive Growth-some success stories: 1st Successful Women Entrepreneur: Priyanka Malhotra. Priyanka Malhotra is successful women entrepreneur in India. She is operating the business of book publishing and also devotes her time in cafe business. She did graduated in printing and publishing from London college of publishing. She also holda the degree of M.Sc in media and communication field. After this, she came to India and became successful business women in Delhi. Priyanka thinks differently about the idea of scaling her businesses. 2nd Successful Women Entrepreneur- Bhawana Kakkar: Bhawana Kakkar is young graduate women in painting and arts. She did also postgraduate in Art history from Baroda University. She has huge experience in fashion designing in India and she opened Art gallery. She is also publishing magazine named Take-Simple Black. 3rd Successful Women Entrepreneur Manju Bharatram: Mr. Manju Bharatram was a simple child for whom school wasn`t happy experience. Just like many other. And the day she saw her own children feeling the same as well, she became a social entrepreneur. 4th Successful Women Entrepreneur Rajashree Birla: Rajashree Birla is a successful women entrepreneur and chairperson of Aditya Birla Centre for Community and rural development. Her focus is on the all-round development of the communities around our plants located mostly in distanct rural and tribal belts. All our group companies, Grasim, Hindalco, Aditya Birla NMuvo, Indo Gulf and Ultra Tech have Rural Development Cells which are the implementation bodies. 5th Successful Women Entreprenuer-Shruti: Shruti is a degree holder in Chemistry from University of Pennsylvania and she did worked with Merrill Lynch. She came back India after in USA and started her own hotel business and became a successful women entrepreneur in India. Ã « Fewer matches Ã « Fewer matches Ã « Fewer matches Ã « Fewer matches Conclusion Entrepreneurship is presently the most discussed and encouraged concept all over the world to overcome economic challenges. Women being the vital gender of the overall population have great capacity and potential to be the contributor in the overall economic development of any nation. Therefore, programs and policies need to be customized to not just encourage entrepreneurship as well as implement strategies which can help support entrepreneurial culture among youth. Media has the potential to play the most vital role in entrepreneurial development by creating and highlighting all such platforms which can bring out the creativity and innovation among the women and men to grow entrepreneurship culture in society. Developing countries are definitely in dire need to encourage women entrepreneurship as women workforce is promptly available to exploit the unexplored dimensions of business ventures. Developed nations should primarily focus on entrepreneurial educational programs in order t o develop women entrepreneurs.
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