Personal Finance Essay Essai de finances personnelles 427607

Personal Finance Essay 427607 –

Personal Finance Essay 427607. Essai de finances personnelles 427607 Ce papier de 3 pages est une déclaration personnelle pour un étudiant qui souhaite obtenir une place dans un cours de maîtrise en commerce de l'énergie et en finances. Mes élèves de troisième année doivent être capables d’écrire des articles d’opinion sur des sujets ou des textes qui expriment une opinion dans le cadre d’une structure organisationnelle fournissant des raisons étayant l’opinion et fournissant une conclusion. Oh, et ils utilisent mieux les mots et les phrases de transition. Ce sont les mêmes enfants de 8 ans qui ne peuvent toujours pas comprendre que ce n'est pas une bonne idée de mettre vos bottes avant votre pantalon de neige. Compte tenu de tout ce qui précède, le respect de ces normes semblait être une énorme montagne à franchir lorsque je planifiais mon unité d’écriture persuasive il ya quelques semaines. J'ai des étudiants qui ne maîtrisent pas encore la capitalisation et la ponctuation, alors je savais que je devrais décomposer la mécanique de la rédaction d'un énoncé d'opinion en un processus étape par étape pour eux. Cette semaine, je suis heureux de partager avec vous quelques astuces ainsi que les organisateurs graphiques que j'ai créés pour aider mes étudiants à rédiger des articles d'opinion qui m'ont montré que mes étudiants, même s'ils n'étaient pas encore tout à fait là, étaient parfaitement capables de se rendre au sommet. cette montagne. La toute première chose que nous ayons faite lors d’une mini-leçon d’écriture a été de passer en revue le langage d’écriture d’opinion et de dire que certains mots, comme amusants et jolis, sont des indices d’opinion, car bien qu’ils soient vrais pour certaines personnes, ils ne le sont pas pour tout le monde. Nous expliquons également comment d'autres mots, appelés transitions, indiquent à votre lecteur où vous en êtes dans votre écriture: le début, le milieu ou la fin. Après avoir introduit le vocabulaire initial, j’ai demandé à mes élèves de troisième année de chercher des exemples de ces types de mots dans leur lecture quotidienne. Au cours des deux jours suivants, les élèves ont utilisé des notes autocollantes pour ajouter des mots d'opinion ou de transition trouvés dans un tableau d'ancrage affiché sur un mur de la classe. Ensuite, j'ai pris les mots et les ai placés dans un tableau que j'ai copié pour que les étudiants puissent le coller dans les cahiers de leurs auteurs. Si vous souhaitez imprimer votre propre copie, cliquez simplement sur l'image. La plupart de mes élèves de troisième année ont lu une grande variété de genres en troisième année, mais lorsqu'on leur a demandé s'ils avaient déjà lu le «genre d'opinion», ils ont répondu par un «Non!» Retentissant. lisez en fait des articles d’opinion presque chaque semaine dans notre magazine Scholastic News. À ce moment-là, je les ai laissés plonger dans les archives d'anciens articles en ligne et ils ont rapidement été en mesure de trouver des opinions dans plusieurs des numéros que nous avions lus cette année. Les étudiants ont également utilisé la section débat des numéros en ligne. Une fois que les élèves ont lu l'article sur les pièces d'un cent, ils étaient prêts à se faire une opinion. Au tableau, nous avons répertorié certains des articles trouvés par les étudiants dans Scholastic News et contenant des opinions: Dans l’illustration ci-dessous, vous pouvez voir ci-dessous à quel point il était facile pour mes étudiants de trouver les opinions, les motifs à l'appui et des exemples dans la fonction «Débattez». ensemble, nous lisons si l’U. Après avoir discuté du pour et du contre avec des partenaires, la classe a pris parti. Avec les étudiants divisés en deux groupes, ils ont pris part à un débat animé intitulé «Visible Thinking» appelé Tug of War. Après avoir entendu nombre de leurs camarades de classe exprimer leur raisonnement pour conserver ou retirer le sou, les étudiants étaient prêts à commencer à mettre leurs pensées sur papier. A cette époque, j'ai présenté notre organisateur d'écriture graphique OREO. Utiliser le nom d’un cookie populaire est un moyen mnémonique qui aide mes étudiants à se rappeler l’ordre structurel que doivent prendre leurs paragraphes: Opinion, Raison, Exemple, Opinion. Dans notre classe, nous disons que notre écriture est double, parce que deux raisons et deux exemples sont attendus au lieu d'une. Comme il s’agissait de notre première incursion dans l’exemple d’écriture, nous avons travaillé ensemble avec l’organisateur. Mes élèves ont très bien réussi avec l'organisateur initial et nous l'avons utilisé à nouveau pour planifier des articles d'opinion sur l'opportunité d'interdire la luge dans les parcs de la ville. Une fois que les étudiants avaient planifié deux opinions différentes, ils en ont sélectionné une pour en faire un paragraphe complet dans le cahier de leur auteur. Les organisateurs ont simplifié la formulation de leurs réflexions, accompagnées de motifs et d'exemples, pour la plupart des étudiants. Avec chaque pratique que nous faisions, mes étudiants devenaient plus forts et je leur présentais différents organisateurs pour les aider et maintenir leur intérêt élevé. Donner à chaque étudiant un biscuit sandwich à grignoter pendant qu'il travaillait sur ces organisateurs les a aidés à rester enthousiasmés par tout le processus. Après avoir étudié plusieurs articles d’opinion de Scholastic News, mes élèves de troisième année ont également pensé à des questions pertinentes pour leur vie et aux expériences scolaires auxquelles ils souhaitaient écrire, notamment: Au fur et à mesure de la pratique, différents organisateurs ont été présentés. Cliquez simplement sur chaque image pour télécharger et imprimer votre propre copie. L’organisateur ci-dessous est ce que je préfère utiliser une fois que les étudiants se sont familiarisés avec la structure des paragraphes d’opinion. Il établit la structure, mais aide également les étudiants à se rappeler d’utiliser des amorceurs de phrases fondés sur des opinions avec des mots de transition. Vous trouverez ci-dessous un simple organisateur que certains de mes étudiants peuvent également choisir d’utiliser. Scholastic propose de nombreuses ressources pour aider vos étudiants à améliorer leur rédaction d’opinion ou pour les écrivains plus jeunes à comprendre la différence entre un fait et une opinion. Voici un excellent outil à avoir dans votre classe: 12 organisateurs graphiques inscriptibles / effaçables qui développent des compétences rédactionnelles précoces. Il y a beaucoup d'autres feuilles comme celles-ci dans Scholastic Teachables. J'aimerais communiquer avec vous sur Twitter et Pinterest! J'adore utiliser les organisateurs graphiques de mon cours d'écriture de 3e année pour rencontrer le tronc commun. Mes élèves de troisième année doivent être capables d’écrire des articles d’opinion sur des sujets ou des textes qui expriment une opinion dans le cadre d’une structure organisationnelle fournissant des raisons étayant l’opinion et fournissant une conclusion. D'autres enseignants de mon bâtiment utilisent également les ressources correspondant à leur niveau scolaire. Oh, et ils utilisent mieux les mots et les phrases de transition. Ce sont les mêmes enfants de 8 ans qui ne peuvent toujours pas comprendre que ce n'est pas une bonne idée de mettre vos bottes avant votre pantalon de neige. Compte tenu de tout ce qui précède, le respect de ces normes semblait être une énorme montagne à franchir lorsque je planifiais mon unité d’écriture persuasive il ya quelques semaines. J'ai des étudiants qui ne maîtrisent pas encore la capitalisation et la ponctuation, alors je savais que je devrais décomposer la mécanique de la rédaction d'un énoncé d'opinion en un processus étape par étape pour eux. Cette semaine, je suis heureux de partager avec vous quelques astuces ainsi que les organisateurs graphiques que j'ai créés pour aider mes étudiants à rédiger des articles d'opinion qui m'ont montré que mes étudiants, même s'ils n'étaient pas encore tout à fait là, étaient parfaitement capables de se rendre au sommet. cette montagne. La toute première chose que nous ayons faite lors d’une mini-leçon d’écriture a été de passer en revue le langage d’écriture d’opinion et de dire que certains mots, comme amusants et jolis, sont des indices d’opinion, car bien qu’ils soient vrais pour certaines personnes, ils ne le sont pas pour tout le monde. Nous expliquons également comment d'autres mots, appelés transitions, indiquent à votre lecteur où vous en êtes dans votre écriture: le début, le milieu ou la fin. Après avoir introduit le vocabulaire initial, j’ai demandé à mes élèves de troisième année de chercher des exemples de ces types de mots dans leur lecture quotidienne. Au cours des deux jours suivants, les élèves ont utilisé des notes autocollantes pour ajouter des mots d'opinion ou de transition trouvés dans un tableau d'ancrage affiché sur un mur de la classe. Ensuite, j'ai pris les mots et les ai placés dans un tableau que j'ai copié pour que les étudiants puissent le coller dans les cahiers de leurs auteurs. Si vous souhaitez imprimer votre propre copie, cliquez simplement sur l'image. La plupart de mes élèves de troisième année ont lu une grande variété de genres en troisième année, mais lorsqu'on leur a demandé s'ils avaient déjà lu le «genre d'opinion», ils ont répondu par un «Non!» Retentissant. lisez en fait des articles d’opinion presque chaque semaine dans notre magazine Scholastic News. À ce moment-là, je les ai laissés plonger dans les archives d'anciens articles en ligne et ils ont rapidement été en mesure de trouver des opinions dans plusieurs des numéros que nous avions lus cette année. Les étudiants ont également utilisé la section débat des numéros en ligne. Une fois que les élèves ont lu l'article sur les pièces d'un cent, ils étaient prêts à se faire une opinion. Au tableau, nous avons répertorié certains des articles trouvés par les étudiants dans Scholastic News et contenant des opinions: Dans l’illustration ci-dessous, vous pouvez voir ci-dessous à quel point il était facile pour mes étudiants de trouver les opinions, les motifs à l'appui et des exemples dans la fonction «Débattez». ensemble, nous lisons si l’U. Après avoir discuté du pour et du contre avec des partenaires, la classe a pris parti. Avec les étudiants divisés en deux groupes, ils ont pris part à un débat animé intitulé «Visible Thinking» appelé Tug of War. Après avoir entendu nombre de leurs camarades de classe exprimer leur raisonnement pour conserver ou retirer le sou, les étudiants étaient prêts à commencer à mettre leurs pensées sur papier. A cette époque, j'ai présenté notre organisateur d'écriture graphique OREO. Utiliser le nom d’un cookie populaire est un moyen mnémonique qui aide mes étudiants à se rappeler l’ordre structurel que doivent prendre leurs paragraphes: Opinion, Raison, Exemple, Opinion. Dans notre classe, nous disons que notre écriture est double, parce que deux raisons et deux exemples sont attendus au lieu d'une. Comme il s’agissait de notre première incursion dans l’exemple d’écriture, nous avons travaillé ensemble avec l’organisateur. Mes élèves ont très bien réussi avec l'organisateur initial et nous l'avons utilisé à nouveau pour planifier des articles d'opinion sur l'opportunité d'interdire la luge dans les parcs de la ville. Une fois que les étudiants avaient planifié deux opinions différentes, ils en ont sélectionné une pour en faire un paragraphe complet dans le cahier de leur auteur. Les organisateurs ont simplifié la formulation de leurs réflexions, accompagnées de motifs et d'exemples, pour la plupart des étudiants. Avec chaque pratique que nous faisions, mes étudiants devenaient plus forts et je leur présentais différents organisateurs pour les aider et maintenir leur intérêt élevé. Donner à chaque étudiant un biscuit sandwich à grignoter pendant qu'il travaillait sur ces organisateurs les a aidés à rester enthousiasmés par tout le processus. Après avoir étudié plusieurs articles d’opinion de Scholastic News, mes élèves de troisième année ont également pensé à des questions pertinentes pour leur vie et aux expériences scolaires auxquelles ils souhaitaient écrire, notamment: Au fur et à mesure de la pratique, différents organisateurs ont été présentés. Cliquez simplement sur chaque image pour télécharger et imprimer votre propre copie. L’organisateur ci-dessous est ce que je préfère utiliser une fois que les étudiants se sont familiarisés avec la structure des paragraphes d’opinion. Il établit la structure, mais aide également les étudiants à se rappeler d’utiliser des amorceurs de phrases fondés sur des opinions avec des mots de transition. Vous trouverez ci-dessous un simple organisateur que certains de mes étudiants peuvent également choisir d’utiliser. Scholastic propose de nombreuses ressources pour aider vos étudiants à améliorer leur rédaction d’opinion ou pour les écrivains plus jeunes à comprendre la différence entre un fait et une opinion. Voici un excellent outil à avoir dans votre classe: 12 organisateurs graphiques inscriptibles / effaçables qui développent des compétences rédactionnelles précoces. Il y a beaucoup d'autres feuilles comme celles-ci dans Scholastic Teachables. J'aimerais communiquer avec vous sur Twitter et Pinterest! J'adore utiliser les organisateurs graphiques de mon cours d'écriture de 3e année pour rencontrer le tronc commun. D'autres enseignants de mon bâtiment utilisent également les ressources correspondant à leur niveau scolaire.

Arguments en faveur de la littératie financière au secondaire – Collège Champlain

L'éducation aux finances personnelles devrait commencer tôt à la maison et à l'école. En savoir plus sur l'état de la littératie financière. La finance est un domaine qui concerne l’affectation (l’investissement) des actifs et des passifs dans l’espace et dans le temps, souvent dans des conditions de risque ou d’incertitude. La finance peut aussi être définie comme l'art de la gestion de l'argent. Les acteurs du marché visent à évaluer les actifs en fonction de leur niveau de risque, de leur valeur fondamentale et de leur taux de rendement attendu. Les finances peuvent être divisées en trois sous-catégories: finances publiques, finances d'entreprise et finances personnelles. Les finances personnelles peuvent impliquer le paiement de l’éducation, le financement de biens durables tels que l’immobilier et les voitures, l’assurance, par exemple. assurance santé et biens, investissement et épargne pour la retraite. Les finances personnelles peuvent également impliquer le paiement d'un prêt ou des dettes. Les six domaines clés de la planification financière personnelle, suggérés par le Financial Planning Standards Board, sont les suivants: Le financement des entreprises traite des sources de financement et de la structure du capital des sociétés, des mesures prises par les gestionnaires pour accroître la valeur de la société pour les actionnaires, et les outils et analyses utilisés pour allouer les ressources financières. Bien qu’elle soit en principe différente de la finance managériale qui étudie la gestion financière de toutes les entreprises, plutôt que de celle des seules entreprises, les concepts principaux de l’étude de la finance d’entreprise s’appliquent aux problèmes financiers de toutes sortes d’entreprises. Le financement des entreprises implique généralement un équilibre entre risque et rentabilité, tout en cherchant à maximiser les actifs, le flux de trésorerie net entrant et la valeur de son stock, et comprend généralement trois domaines principaux d’allocation des ressources en capital. Dans le premier, "budgétisation du capital", la direction doit choisir les "projets" (le cas échéant) à entreprendre. La discipline de la budgétisation du capital peut utiliser des techniques d’évaluation standard ou même s’étendre à l’évaluation réelle des options; voir Modélisation financière. La deuxième, "sources de capital", concerne la manière dont ces investissements doivent être financés: le capital d’investissement peut être fourni de différentes manières, par exemple par les actionnaires, sous forme de fonds propres (par le biais d’une offre privée ou d’une offre publique initiale), de créanciers, souvent sous forme d'obligations et les activités de l'entreprise (flux de trésorerie). Le financement à court terme ou le fonds de roulement est principalement fourni par les banques qui accordent une marge de crédit. L'équilibre entre ces éléments constitue la structure du capital de la société. La troisième, "la politique en matière de dividendes", impose à la direction de déterminer si tout bénéfice non affecté (excédent de trésorerie) doit être conservé pour les besoins opérationnels futurs / d’investissement, ou plutôt distribué aux actionnaires et, le cas échéant, sous quelle forme. La gestion financière à court terme est souvent appelée "gestion du fonds de roulement" et concerne la gestion de la trésorerie, des stocks et des débiteurs. Le financement des entreprises inclut également dans son périmètre l'évaluation des activités, l'investissement en actions ou la gestion des investissements. Un investissement est une acquisition d'un actif dans l'espoir qu'il maintiendra ou augmentera sa valeur au fil du temps, ce qui, dans l'espoir, rapportera un taux de rendement plus élevé en ce qui concerne le versement de dividendes. Dans la gestion des investissements – dans le choix d'un portefeuille -, il faut utiliser l'analyse financière pour déterminer quoi, combien et quand investir. Pour ce faire, une entreprise doit: James Harris Simons, mathématicien américain, gestionnaire de fonds de couverture et philanthrope. Il est connu en tant qu’investisseur quantitatif et a fondé en 1982 Renaissance Technologies, un hedge fund privé basé à East Setauket, dans l’État de New York. La gestion financière recoupe la fonction financière de la profession comptable. Cependant, la comptabilité financière est la communication d'informations financières historiques, tandis que la gestion financière se préoccupe de l'allocation des ressources en capital pour augmenter la valeur d'une entreprise pour les actionnaires et augmenter le taux de rendement de leurs investissements. La gestion des risques financiers, un élément de la finance d'entreprise, consiste à créer et à protéger une valeur économique dans une entreprise en utilisant des instruments financiers pour gérer l'exposition au risque, en particulier le risque de crédit et le risque de marché. (Les autres types de risque incluent les risques de change, de forme, de volatilité, de secteur, de liquidité, d’inflation, etc.). Il se concentre sur le moment et la manière de se couvrir au moyen d’instruments financiers; dans ce sens, il se confond avec l'ingénierie financière. Semblable à la gestion des risques en général, la gestion des risques financiers nécessite d'identifier ses sources, de les mesurer (voir: Mesure du risque # Exemples) et de formuler des plans pour les résoudre, pouvant être qualitatives et quantitatives. Dans le secteur bancaire mondial, les accords de Bâle sont généralement adoptés par les banques actives au niveau international pour suivre, notifier et exposer les risques opérationnels, de crédit et de marché. Une entité dont le revenu dépasse ses dépenses peut prêter ou investir le revenu excédentaire pour aider ce revenu excédentaire à générer davantage de revenu dans le futur. D'un autre côté, une entité dont le revenu est inférieur à ses dépenses peut mobiliser des capitaux en empruntant ou en vendant des actions, en réduisant ses dépenses ou en augmentant ses revenus. Le prêteur peut trouver un emprunteur – un intermédiaire financier tel qu'une banque – ou acheter des billets ou des obligations (obligations de sociétés, obligations d'État ou obligations mutuelles) sur le marché obligataire. Le prêteur reçoit des intérêts, l'emprunteur verse des intérêts plus élevés que ceux du prêteur et l'intermédiaire financier gagne la différence pour avoir arrangé le prêt. Une banque regroupe les activités de nombreux emprunteurs et prêteurs. Une banque accepte les dépôts des prêteurs sur lesquels elle verse des intérêts. Les banques permettent aux emprunteurs et aux prêteurs, de tailles différentes, de coordonner leurs activités. Les finances sont utilisées par les particuliers (finances personnelles), par les gouvernements (finances publiques), par les entreprises (financement des entreprises) et par une grande variété d’autres organisations telles que les écoles et les organisations à but non lucratif. En général, les objectifs de chacune des activités susmentionnées sont atteints grâce à l’utilisation d’instruments financiers et de méthodologies appropriées, en tenant compte de leur cadre institutionnel. La finance est l’un des aspects les plus importants de la gestion d’entreprise et comprend une analyse liée à l’utilisation et à l’acquisition de fonds pour l’entreprise. En finance d'entreprise, la structure du capital d'une entreprise correspond à l'ensemble des méthodes de financement utilisées pour lever des fonds. Une méthode est le financement par emprunt, qui comprend les emprunts bancaires et les ventes d’obligations. Une autre méthode est le financement par actions – la vente d'actions par une entreprise à des investisseurs, les actionnaires initiaux (ils possèdent une partie de l'entreprise) d'une action. La propriété d’une action confère à l’actionnaire certains droits et pouvoirs contractuels, qui comprennent généralement le droit de recevoir les dividendes déclarés et d’exercer les droits de vote par procuration sur des questions importantes (comme les élections au conseil d’administration). Les propriétaires d'obligations (obligations d'État ou d'entreprises) et d'actions (actions privilégiées ou ordinaires) peuvent être des investisseurs institutionnels – des institutions financières telles que des banques d'investissement et des fonds de pension ou des particuliers, appelés investisseurs privés ou particuliers. Les finances publiques décrivent les finances comme liées aux États souverains et aux entités infranationales (États / provinces, comtés, municipalités, etc.) et aux entités publiques apparentées (par exemple, elles englobent généralement une perspective stratégique à long terme en ce qui concerne les décisions d'investissement affectant les entités publiques. les banques, telles que la Réserve fédérale américaine et la Banque d'Angleterre au Royaume-Uni, jouent un rôle important dans les finances publiques, agissant en tant que prêteurs en dernier ressort, ainsi que de fortes influences sur les conditions monétaires et de crédit de l'économie. , au sens financier, est l’argent qui donne à l’entreprise le pouvoir d’acheter des biens qui serviront à la production d’autres biens ou à l’offre de services (le capital a deux types de sources, l’équité et la dette). le capital est décidé par le budget, ce qui peut inclure l’objectif de l’activité, les objectifs fixés et les résultats financiers, tels que l’objectif de vente, les coûts, la croissance, les investissements nécessaires pour atteindre les ventes prévues et la source de financement de l'investissement. Les budgets à long terme ont un horizon temporel de 5 à 10 ans, ce qui donne une vision à la société. court terme est un budget annuel qui est établi pour contrôler et opérer dans cette année particulière. Les budgets comprendront les besoins en immobilisations proposés et le mode de financement de ces dépenses. Les budgets d'immobilisations sont souvent ajustés chaque année (chaque année) et devraient faire partie d'un plan d'amélioration des immobilisations à plus long terme. Les besoins en fonds de roulement d’une entreprise font l’objet d’un suivi constant afin de s’assurer que les fonds disponibles sont suffisants pour faire face aux dépenses à court terme. Le budget de trésorerie est essentiellement un plan détaillé qui indique toutes les sources et utilisations attendues de l’argent quand il s’agit de le dépenser convenablement. Le budget de caisse comprend les six sections principales suivantes: L'économie financière est la branche des sciences économiques qui étudie l'interdépendance des variables financières, telles que les prix, les taux d'intérêt et les actions, par opposition aux biens et aux services. L'économie financière se concentre sur les influences des variables économiques réelles sur les variables financières, par opposition à la finance pure. Il est axé sur la gestion des risques dans le contexte des marchés financiers et des modèles économiques et financiers en résultant. Il explore essentiellement la manière dont les investisseurs rationnels appliqueraient le risque et reviendraient au problème d’une politique d’investissement. Dans ce cas, la double hypothèse de rationalité et d’efficacité des marchés a conduit à la théorie moderne du portefeuille (le CAPM) et à la théorie de Black-Scholes pour la valorisation des options; il étudie en outre des phénomènes et des modèles où ces hypothèses ne sont pas vérifiées ou sont étendues. "L'économie financière", au moins formellement, considère également l'investissement sous "certitude" (théorème de séparation de Fisher, "théorie de la valeur d'investissement", théorème de Modigliani-Miller) et contribue donc également à la théorie de la finance d'entreprise. L'économétrie financière est la branche de l'économie financière qui utilise des techniques économétriques pour paramétrer les relations suggérées. Bien qu’elles soient étroitement liées, les disciplines de l’économie et de la finance sont distinctes. L '«économie» est une institution sociale qui organise la production, la distribution et la consommation de biens et de services d'une société, qui doivent tous être financés. Les mathématiques financières sont un domaine de mathématiques appliquées, axé sur les marchés financiers. Le sujet entretient des relations étroites avec la discipline de l’économie financière, qui traite en grande partie de la théorie sous-jacente à la mathématique financière. Généralement, la finance mathématique dérive et étend les modèles mathématiques ou numériques suggérés par l'économie financière. Sur le plan pratique, la finance mathématique recoupe également beaucoup le domaine de la finance computationnelle (également connu sous le nom d’ingénierie financière). On peut soutenir que ceux-ci sont en grande partie synonymes, bien que le dernier se concentre sur l'application, tandis que le premier se concentre sur la modélisation et la dérivation (voir: Analyste quantitatif). Le domaine est largement axé sur la modélisation des dérivés, bien que les sous-domaines d’importance comprennent les mathématiques de l’assurance et les problèmes de portefeuille quantitatifs. Voir Schéma de financement: Outils mathématiques; Schéma de financement: tarification des dérivés. La finance expérimentale vise à établir différents contextes et environnements de marché à observer expérimentalement et à fournir un objectif permettant à la science d’analyser le comportement des agents et les caractéristiques résultantes des flux commerciaux, de la diffusion et de l’agrégation d’informations, des mécanismes de fixation des prix et des processus de retour. Les chercheurs en finance expérimentale peuvent étudier dans quelle mesure les théories existantes de l’économie financière font des prédictions valables, et donc les prouver, et tenter de découvrir de nouveaux principes sur lesquels cette théorie peut être étendue et appliquée aux décisions financières futures. La recherche peut être réalisée en effectuant des simulations de trading ou en établissant et en étudiant le comportement et la manière dont ces personnes agissent ou réagissent de personnes se trouvant dans des contextes artificiels de marché concurrentiel. La finance comportementale étudie comment la psychologie des investisseurs ou des gestionnaires influe sur les décisions financières et les marchés lorsqu’elle prend une décision qui peut avoir un impact négatif ou positif sur l’un de leurs domaines. La finance comportementale s'est développée au cours des dernières décennies pour devenir centrale et très importante pour la finance. La finance comportementale a été qualifiée de finance comportementale quantitative, qui utilise une méthodologie mathématique et statistique pour comprendre les biais comportementaux en conjonction avec l'évaluation. Certains de ces efforts ont été dirigés par Gunduz Caginalp (professeur de mathématiques et rédacteur en chef du Journal of Behavioral Finance en 2001-2004) et des collaborateurs tels que Vernon Smith (lauréat du prix Nobel d'économie de 2002), David Porter, Don Balenovich, Vladimira Ilieva, Ahmet Duran. ). Des études menées par Jeff Madura, Ray Sturm et d'autres ont démontré des effets comportementaux importants sur les actions et les fonds négociés en bourse. Parmi d'autres sujets, la finance comportementale quantitative étudie les effets comportementaux ainsi que l'hypothèse non classique du caractère fini des actifs.

Alphabétisation financière personnelle – Section 3 – Écoles publiques NC

Littératie financière. Division de l'enseignement secondaire. Département de l'instruction publique de Caroline du Nord. 2006. 52. Activité des étudiants. Essai de vie de rêve. Écrire un essai. Il fait référence à la gestion dont un individu a besoin pour obtenir, économiser, budgétiser et dépenser ses ressources financières en temps et en ressources, en mettant l'accent sur divers facteurs tels que les événements futurs de la vie et les risques économiques. Notre «aide en matière de planification de finances personnelles» comprend des sujets tels que la planification des investissements, la planification fiscale, la planification successorale, le «plan de réduction de la dette», la planification des assurances, la budgétisation, le réajustement de la dette, le service de la dette, etc. Call Tutors dispose des meilleurs experts pour vous aider. avec les études de cas universitaires et des missions sur la planification financière. Ils vous fournissent les meilleures informations sur l'aide à la planification de finances personnelles dont vous avez besoin. Nous aidons les étudiants à compléter la rédaction universitaire et les devoirs, ainsi que la rédaction d’études de cas avec le plus grand soin et la plus grande attention des experts académiques toujours en ligne pour aider les étudiants qui en ont besoin. La planification financière personnelle a de nombreux types critiques. Nous commençons par un schéma d’un processus d’organisation en six étapes, ce qui nous aidera à vérifier, réexaminer et ajuster les objectifs en fonction de l’évolution des conditions. À ce stade, nous étudions la possibilité de construire les objectifs liés à l’argent en tenant compte des facteurs susceptibles d’avoir une incidence sur ces objectifs et l’évolution de la situation de la vie. Nous terminons ce segment en proposant des règles qui nous permettent de fixer des objectifs raisonnables que vous pouvez atteindre. Étant donné que la planification des finances personnelles n’a pas lieu en vase clos, les domaines suivants sont examinés dans l’impact des éléments économiques standard, notamment un aperçu des forces du marché, de la conjoncture mondiale et des institutions financières, qui ont une incidence majeure sur les objectifs et les plans financiers personnels. Malgré le fait que les coûts de la porte ouverte expliquent la quatrième étape du processus de planification financière personnelle, nos experts soulignent l’importance de la valeur temporelle de l’argent et des coûts d’opportunité financiers. La mécanique de la valeur temporelle et les concepts sont essentiels pour voir comment les valeurs présentes et futures prennent en compte les désirs d'inflation et les taux d'intérêt, ainsi que la réduction des interprétations après un certain temps. Achetez un essai de planification des finances personnelles auprès de Call Tutors. La planification des finances personnelles est la procédure des facteurs fondamentaux identifiés avec le système dynamique de la finance. Cela devrait être possible avec une surveillance standard et évaluer les paramètres des dépenses et des investissements. Ainsi, cela comprend cinq étapes: Les vérifications financières personnelles et compilées au bilan avec les comptes de résultat. Il montre les listes des actifs et des passifs qu'une personne détient. Pour bien comprendre les principes fondamentaux, Call Tutors s’engage à fournir une aide à la planification de la gestion des finances personnelles avec des solutions complètes. Il vous invite à définir divers objectifs associant des objectifs à long terme et à court terme. Dans cette optique, vous pouvez associer des transactions personnelles à une procédure de planification financière. Le plan de finances personnelles aide à atteindre les différents objectifs avec un processus simple. À cet égard, il est essentiel de réduire les coûts inutiles et d’améliorer les connaissances sur la spéculation. Nous offrons une aide suffisante et des capacités créatives pour faciliter le cheminement vers l’apprentissage. Notre aide aux devoirs de planification des finances personnelles incite à faire de la profession d’étudiant une connaissance appropriée de la planification et des finances. De ce point de vue, il est essentiel de s’appuyer sur les différentes parties prenantes et les investisseurs pour s’approvisionner. Après avoir appliqué toutes les méthodes susmentionnées, il est impératif de suivre l’état des échanges financiers personnels afin de changer les conditions. Si l'étudiant participe aux heures de cours, il sera alors difficile de faire preuve de générosité pour accomplir ces tâches. Mais il est également essentiel de rester concentré sur les études. C’est la raison pour laquelle notre affectation personnalisée de planification de finances personnelles permet aux étudiants d’évacuer le fardeau des devoirs. Vous pouvez acheter un essai de planification d'aide à la cession de finances personnelles à nos tuteurs via notre site Web. Les coûts des marchandises et des entreprises sont en grande partie contrôlés par l'activité du marché libre. De la même manière, un appel pour un article acheteur augmente ses coûts, la popularité de l’argent augmente les frais de prêt. Ce coût de l’argent reflète l’offre limitée d’argent et son intérêt. Parfois, le prix d’une chose peut sembler ne pas être affecté par les forces de la demande et de l’offre. Toutefois, dans de telles circonstances, d’autres facteurs financiers peuvent également avoir une incidence sur son coût. Bien que des facteurs tels que les coûts de production et la rivalité aient un impact sur les coûts, les pouvoirs de marché de l'offre et de la demande restent opérationnels. Le marché mondial a également une incidence sur la planification financière personnelle. Notre économie est influencée par les activités économiques de la concurrence étrangère et les investisseurs des sociétés internationales. Les organisations s’opposent aux organisations internationales pour les dépenses des acheteurs. Au moment où le niveau des taxes sur les produits est inférieur à un niveau des marchandises importées, plus de dollars quittent le pays que l'estimation en dollars de l'argent étranger entrant dans le pays. Il diminue les actifs accessibles pour les dépenses et les investissements résidentiels. Au moment où le client épargne et contribue à augmenter l’offre d’argent, les frais de prêt tendent à diminuer. De même, si des organisations extérieures choisissent de ne pas placer l'argent dans l'État, les espèces du ménage seront moins abondantes. Quoi qu’il en soit, en tant qu’acheteur, entreprise, gouvernement et acquisition à distance augmentent l’intérêt pour de l’argent liquide, les coûts de prêt tendent à augmenter. Cette diminution des liquidités pourrait entraîner des coûts de financement plus élevés. Vous pouvez obtenir l’aide en ligne d’Assignation sur les tuteurs d’appel. p La demande globale de produits et services dans l'économie a un impact sur les ouvertures de commerce et le potentiel financier. Au fur et à mesure que l’achat d’acheteur se construit, les actifs financiers des travailleurs actuels et futurs s’étendent. Cette situation améliore la situation financière de nombreuses unités familiales. Inversement, la réduction des dépenses est la cause du chômage, car la diminution du personnel est généralement due à la diminution des actifs monétaires liés à l’organisation. Les difficultés financières du chômage sont un souci notable pour les entreprises, le gouvernement et le travail. The retraining programs, salary help, and employment administrations can enable individuals to change. After achieving all the above methodology, it is imperative to track the status of the personal financial exchanges to change any conditions. If the student engages in the class hours, at that point, this will be anything but challenging to accomplish generous skills to do these assignments. But it is additionally essential to maintain concentration on studies, and this is the reason our Customized Personal Finance Planning Assignment Help enable students to expel the burden of the homework. You can buy personal finance planning essay from our tutors through our website. Our specialized tutors provides customized essays on the different subjects. The field of “Personal Finance Planning” more specializes than before. When our experts get down to writing paper, they incorporate all research material that they have gathered. 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Personal Finance Archives – WAMInvest – Financial Guidance

Posted by gregw on Oct 25, 2017 in Personal Finance 0 comments. As most of you know by now, the credit reporting agency Equifax was the victim of a. Imagine your laying in a hospital hooked up to countless machines. The doctors and nurses are coming in constantly to check up on you while your trying to get what little sleep you can through the pain, fatigue and slow wasting away of your body. On top of that you’re suffering from side effects from countless drugs, constipation, delirium, you can barely breath and you have no appetite because your constantly nauseated or throwing up. The doctors have given you no chance of survival; and death is imminent, it’s just a matter of when? You’ve said your goodbyes; you’ve come to terms with dying and are ready to meet your maker. Now if you had the chance to choose how your life ended would you take advantage of it? Physician assisted suicide should be a legal option for terminally ill patients throughout the United States. This is a humane way for the terminally ill to end their lives with dignity and without the shame and suffering. Three states have lead the way and have allowed physician assisted suicide and I believe that the Nation should follow in their footsteps. Some are probably thinking what exactly is physician assisted suicide? Well as defined by physician assisted suicide is “the voluntary termination of one’s own life by (the) administration of a lethal substance. “ “Physician assisted suicide is the practice of providing a competent patient with a prescription for medication for the patient to use with the primary intention of ending his or her own life.” Basically the doctor provide the means which is usually a barbiturate which provides a sedative like effect to the patient, and the patient is the one that performs the act of ending their life. that have physician assisted suicide laws in place. This is different from euthanasia where the physician is the one who provides and administers the drug that ends the life of the patient with a painful or incurable disease, which is also called a mercy killing. Oregon was the first state to pass a law allowing doctors to help end their terminally ill patient’s lives, with the 1997 Death with Dignity Act. Washington was the second state to follow in 2008, with Initiative Measure No. 1000 also known as the Washington Death with Dignity Act. Oregon and Washington’s Acts both have the same requirements for qualification of Physician assisted Suicide. The first requirement is that the patient is an adult, so they have to be over the age of 18. This requires that the patients physicians, and psychiatrists or the court, have the opinion that the patient can make informed decisions on their own health care. Third, the patient must have a terminal illness as confirmed by their physician. Fourth, they must voluntarily express that they would like medication to end their life. Fifth, they must also make a written request for medication that will help end their life so to be tracked by the state government. Finally they must meet requirements of citizenship for that state. All of these requirements must be met in order to qualify; they do not meet qualifications solely on age and disability. Also the statutes do require that the doctor recommend counseling, have them notifying a family member, and inform them of the risks and probable results as well as feasible alternatives. Montana is the third state that has a physician assisted suicide law. Robert Baxter a marine veteran who suffered from lymphocytic leukemia, along with four doctors with the Compassion and Choice Organization brought suit against Montana seeking the right to die under the states constitution. On December 31, 2009 the Montana Supreme Court ruled that terminally ill residents have the right to die. Sadly Baxter had passed away from his illness before the decision was handed down. Although the residents of Montana have the right to die, the court didn’t hand down any requirements as to who qualifies for physician assisted suicide. So Montana doesn’t have the safeguards in place that Oregon and Washington has in place to prevent potential abuses. John Ciardi, a US poet once said “The Constitution gives every American the inalienable right to make a damn fool of himself.” I love how this quote gives an example of our just one of our many rights under the constitution. Although it is not specifically written in the Constitution that we are given the right to act like a damn fool, we still have the right guaranteed to us. That was the founding fathers intentions, to not limit our freedoms by trying to write down every right we have into a specific list, but rather to leave our rights intact. So since we have these many rights guaranteed to us doesn’t that grant us the freedom to choose how we live our lives? Weather or not we want to end our lives early or let an illness take its course and let us die naturally? If all a doctor is doing is prescribing medication to a terminally ill patient, after they have met the proper requirements and have been given the necessary information to make an informed decision on ending their lives or not. Shouldn’t they be allowed to do so through those guaranteed rights the Constitution gives us? The doctor is not the one who is committing a murder, for they are not the ones administering the drugs to the patient. and euthenasia, because for the longest time I had thought that they were the same things. The patient is the ones who takes them of their own free will, they have decided to end their life with dignity instead of agonizing pain. Another thing I thought was interesting (but I didnt end up putting in my paper) was finding out the reason behind the public policy of not allowing people to kill themselves, and its because in Western Culture people and the government want to protect people from themselves, and believe they must do so for the greater good. ***********Reflective Comment************* In doing the reasearch for this paper I was actually very surprised that there are 3 states that allow for Physician Assisted Suicide, before doing this I had no idea that any states did allow it.

Apps that can help you with homework

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Question 1: Who is qualified to apply for the IPBP program? The IPBP program is open to all American- and foreign-trained pharmacists with a bachelor’s degree or equivalent who wish to progress to the Doctor of Pharmacy (Pharm. Please visit the apply now page for the latest information on application availability and deadlines. D.) degree at the College of Pharmacy, Western University of Health Sciences. Question 3: Why is the application deadline October 1, when the interviews are in March/April? The early deadline will allow timely processing of each application to give each selected applicant enough time to prepare for the Internal Assessment (IA) exam. Also, this deadline will allow us to accommodate changes in the rules of purchase of the IA study guide (see under “Admissions Process Information”). However, you must provide evidence, such as a letter from your school/college, stating that you are on track to graduate prior to the start of classes (July) at Western U. Question 4: I am due to graduate with a BS in Pharmacy this year. All relevant documents must be submitted by the application deadline. Question 5: What is the process for admission into the IPBP program? Once your file is complete, the Admissions office will forward your application to the College of Pharmacy for a preliminary evaluation. The college of Pharmacy faculty will evaluate your file and provide a score, whereupon your application may be selected for an interview and internal assessment (IA) exam. If you are not selected for an interview and IA exam, you will be notified of this decision immediately and your file will be closed for that year. Question 6: How does the October 1st deadline affect the admissions process? All completed applications received by the deadline date will be evaluated by the admissions committee. The applicants selected for interviews will be notified by the end of November. This will allow the selected applicants sufficient time to study for the IA exam. Also, only those applicants selected for the interview and IA exam will be required to purchase the IA study guide (if applicable). Question 7: When will the interview session take place? Question 8: Will the interviews and IA exam take place on the same day? The IA exam is administered in the morning and interviews (including written essays) are conducted in the afternoon, of the same day. This arrangement is more convenient for applicants traveling from out of town. Question 9: What can I expect on the day of the IA exam/interviews? Applicants selected for interviews will be asked to arrive at the campus early in the morning on their assigned interview day. The morning starts with a brief introduction and orientation to the program by the Assistant Dean for Enrollment Management. The IA exam starts immediately after the orientation. Applicants are given four (4) hours to complete the IA exam. During the afternoon session, applicants are separated into two groups to complete the oral interview and the written essay component. Once all activities are completed, applicants are free to leave campus. You may wish to also review our internal assessment (IA) exam FAQ page. Question 10: How are the oral interviews conducted? Usually, a team of two members comprise an interview team consisting of one faculty and one current student of the College of Pharmacy. Each interview session lasts approximately 25-30 minutes during which time the applicant is also given an opportunity to ask questions. Although communication skills are evaluated extensively, the interview team also looks for qualities such as motivation, critical thinking, general knowledge, etc. Overall, every effort is made to keep the interview session friendly. Question 11: How is the written essay session conducted? As one group starts the oral interview session, another group is administered the written essay component. The essays topics are usually of general interest whereby the applicant is encouraged to provide a balanced view of the topic to the best of his/her ability. The writing session lasts approximately 40 minutes. Question 12: Where will the interview sessions be conducted? Interviews will be held at the Western U campus in Pomona, CA. Other sites may be added depending upon the size of the application pool. Question 13: When will I know whether I have been admitted into the program? Admission acceptance letters will be sent out within two-three weeks of completion of the interview/IA process. Question 14: Where can I get the application for admission? Visit the apply now page for detailed instructions on how to apply. Question 1: Am I required to have a Bachelor’s degree in Pharmacy or equivalent? You must provide evidence, such as a letter from your school/college, stating that you are on track to graduate prior to start of classes (July ) at Western U. All relevant documents must be submitted by the application deadline. Visit the view requirements page for a complete list of requirements. Question 2: Are there any requirements to pass the Foreign Pharmacy Graduate Equivalency Examination (FPGEE) for admission into the IPBP program? FPGEE scores are not required or considered for the IPBP program. However, you must obtain a passing grade in the IA exam administered by the College of Pharmacy. Information on pharmacist licensure can be obtained at net especially if you have a BS degree prior to 2003 or graduated from a 5-year pharmacy curriculum. Question 3: Is the Test of English as a Foreign Language (TOEFL) a requirement for admission into the IPBP program? TOEFL is a mandatory requirement for all graduates from non-English speaking countries. A minimum score of 550 (paper-based) or 213 (computer-based) is required for consideration of admission. For students appearing for the TOEFL exam under the new guidelines, a minimum score of 79 (internet-based) is required for consideration of admission. Scores must be submitted by June 1 of the year of admission. Visit the requirements page for a complete list of requirements. The TOEFL exam will be waived for students who have graduated with a confirmed baccalaureate or higher degree from a United States institution. However, the College of Pharmacy places a strong emphasis on communication skills, both oral and written, for all students. Question 4: Is the Test of Spoken English (TSE) a requirement for admission into the IPBP program? We believe that a strong foundation in communication is vital to becoming a competent practitioner of the profession. Good communication skills also facilitate productive interaction with fellow students, faculty, the healthcare team and your patients. The International Post-Baccalaureate Pharm D (IPBP) program offers a unique training opportunity for domestic and international graduates with a bachelor’s degree (or equivalent) in pharmacy. Like most Colleges/Schools of Pharmacy in the United States, Western U requires four years of professional training following a minimum of two years of pre-pharmacy coursework. The International Post-Baccalaureate Pharm D (IPBP) program allows the successful applicant to bypass the first year and enter directly into the second year of the traditional program. IPBP students join the second year of the traditional Pharm. program and complete the remainder of the program within the time frame of 3 years. Thereafter, the program is completed within a three-year duration. D.) degree awarded to the IPBP student is to the same as the degree given to traditional students. Question 3: What are the tuition and other fees for the IPBP program? The tuition and other fees are the same as for our students in the traditional program. Visit the financing my education page for tuition, scholarship and loan information. Please also review the international student financial aid page. Question 4: If I am a foreign student, will you assist me in completing student visa/immigration formalities? The Western U Admissions Office will assist you in completing your immigration formalities. All foreign applicants are required to provide documentation such as financial support no later than the day of the interview/IA to enable the Admissions Office to prepare related paperwork for F-1 visa, should they be admitted. Please see our International Student website for more information regarding requirements for international students. Contact the Admissions Office for additional information. Please remember all required paperwork should be turned in as quickly as possible for the Admissions Office to issue the I-20 form to the student. Question 5: When do classes begin for the IPBP program? Although classes for the traditional Pharm D program students start in early August of each year, the IPBP students will start classes early to mid-July. A three to four-week orientation course, PHRM 5601: Overview of Clinical Practice, is offered (1) to orient the new students to the block system, (2) provide other relevant information provided to traditional Pharm. students during their first year curriculum and (3) prepare IPBP students for the didactic blocks during the upcoming years. PHRM 5601 is a graded course, hence attendance is mandatory. Following the completion of PHRM 5601, all students will be expected to participate in a University orientation session a week before regular classes start in August. More information on this orientation will be provided at a later date. Question 6: Is attendance at the “Overview of Clinical Practice” course a mandatory requirement? This is a graded course based on exams and quizzes. Your grade in this course will be applied towards your overall grade point average (GPA) in the program. Question 7: Am I eligible for employment as a student on an F-1 visa? However, there are certain restrictions on employment. Please visit our F-1 Transfer and Change of Status page for more information on employment and issuance of social security numbers. Please refer to our housing website to view housing options for Pomona and surrounding areas. Question 9: What is your withdrawal/cancellation policy and procedure? The following policy applies only to applicants who have purchased but not accessed the IA study guide: An IPBP withdraw form must be completed and submitted online to the admissions office at least ONE week before the interview/IA exam date indicating clearly that you have decided to withdraw your application from consideration into the IPBP program for that year and that you have not accessed the study guide. (Please note that we can only provide refunds if we have a written official notification from you)Upon receipt of the email or letter to the admissions office, the College of Pharmacy will refund your exam fee according to the following policy: Question 10: Can I visit your campus? Attend Preview Day where we will provide you with detailed information on the curriculum and profession as well as the admissions process. You will also have the opportunity to hear from the dean/upper administration and chat with current Western U students as they tour you through the facilities. Question 1: What is the difference between a physician assistant and a family nurse practitioner? Physician assistants (PA) and nurse practitioners (NP) share many of the duties. However, the primary difference is that a PA is a dependent practitioner that necessitates a relationship with a supervising physician. Question 2: How many applications do you receive, interviews do you grant, and applicants do you accept in an average year? For the 2018 entering class, we received over 2800 applications and interviewed 400 to seat a class of 98. Visit the competitive candidate profile page for additional information. Question 3: What is the board passing rate for your physician assistant students? Our graduates have consistently scored well on the Physician Assistant National Certifying Examination (PANCE) for those taking the test for the first time. Please take a moment to review recent Western U PANCE scores. Question 4: Is it advisable to work while I take classes? Students are not allowed to work while attending the program. Question 5: How can I learn more about your physician assistant program? Join us for Preview Day, an information session, request an information packet be sent by mail, or contact us with your questions. You may also sit in on a class, please call 909-469-5378 to schedule a time. Question 6: Do you have any information sessions/workshops on campus? We host Preview Days and information sessions regularly on campus. We encourage you to view the schedule and RSVP for an upcoming session. These sessions provide an opportunity for you to meet faculty members, learn more about Western U, the physician assistant profession, and the MSPA curriculum. You’ll have the opportunity to hear from students and faculty and tour the facilities. We welcome you to meet our students and enjoy a student-led campus tour during one of our Preview Day events. Visit our Campus Tour Page for upcoming dates and to schedule a tour. Question 8: How can I request an information packet? Submit an electronic information request form and we’ll be happy to mail you a brochure and keep you appraised of the latest developments. However, for the most up-to-date information we encourage you to visit our requirements page. All new applicants selected for the interview/IA exam will be required to submit this mandatory fee to purchase the IA exam study guide. Question 9: How can I learn more about the financial aid available to me? Once this fee is received, electronic access to the study guide will be provided. For more information regarding tuition, scholarships, and loans, please visit the financing my education page. The IA exam is a written test that is graded by the faculty of the Department of Pharmaceutical Sciences at the College of Pharmacy. The IA exam study guide is valid for a period of two consecutive admission cycles from the date of purchase. The two main purposes of the IA exam are as follows: Question 2: Is anyone exempt from taking the IA exam? It is mandatory for all candidates applying for the IPBP program to take the IA exam. Re-applicants selected for the interview/IA exam will not have to purchase the study guide as long as they are within the two consecutive admission cycle guidelines as stated above. (Please note that applicants are no longer required to purchase the study guides in advance of their selection for an on campus interview.)2. All applicants (new and re-applicant) selected for an interview must pay this fee on the day of the interview without exception. Failure to pay this fee will result in the applicant(s) not being allowed to take the IA exam and participate in the interview process. All fees must be paid in installments: the first installment of 0 for IA study guide access (if applicable) will be due after being notified of your selection for an interview; you will be notified approximately a month before your interview day for payment of 0 for the exam. Payments not made before the interview day may result in the delay of his/her application process. Question 4: What happens to my IA Exam Study Guide access fee if I do not get selected for an interview? The IA exam study guide access fee will be applicable only if you have been invited to campus for an interview that year. Applicants selected for an interview/IA exam will be notified by the end of November. Study guides are valid for two consecutive admission cycles from the date of purchase. Question 5: When and where will the IA exam be administered? The date for the IA exam and interview has been set for February 28, 2015. All admission related events including the IA exam will be held on the campus of Western University of Health Sciences, Pomona, California. Please visit our website for directions to the University. An applicant must achieve a score of at least 60% to receive a passing score for the IA exam. Also, if areas of weaknesses are identified, the candidate may be required to take remedial courses prior to being admitted as a student. Question 7: Will my IA exam score make a difference in the overall admission process? IA exam scores are a significant factor in the admissions process. Therefore, a high score in the IA exam will definitely improve your overall chances of being admitted into the program. Upon your selection for an interview/IA exam and subsequent notification from us, you will need to submit your IA study guide access fee (if applicable) to receive online access to an information packet containing study guides, sample exams and a syllabus of review information. In order to obtain the information packet, all prospective students have access to a computer and a valid email address (your email address should be clearly filled out in the application form). All relevant study materials will be placed on the Western University of Health Sciences server. Prospective students will be given “guest student” account access thereby allowing them to download the study material from the server. Detailed instructions will be provided on how to download documents from the Western University of Health Sciences server. Once the study materials are received by the candidate, it will be the responsibility of the candidate to study at his or her own pace and take the IA exam at the designated date and time. The entire examination will consist of approximately 200 multiple-choice questions. The test will be divided into four sections: (A) Pharmaceutics, Pharmacokinetics and Pharmacogenomics (B) Immunological Sciences (C) Pharmacology and (D) Acid-Base Chemistry. Most of the questions for the IA exam will be based on the information provided in the study guides. Question 9: When will the study materials be available for download? Study materials will be available for distribution by November 1st each year. However, applicants would only be allowed to download the study materials if they have been selected for an interview and have paid the study guide access fee (if applicable). This decision will be announced on or before the end of November. Thus, students selected for an interview will have approximately four months to prepare for the IA exam. Question 10: When will the results of the IA exam be announced? Results of the IA exam will be available within two weeks after the exam. All applicants will be notified of their scores by email. Question 11: What is the expiration date on the IA exam score? All passing IA exam scores are valid for 1 year only. Thus, in the event a candidate is not admitted to the program, he/she must retake the IA exam each time the candidate chooses to reapply for the program provided they have been selected for an interview. Question 1: Who is qualified to apply for the IPBP program? The IPBP program is open to all American- and foreign-trained pharmacists with a bachelor’s degree or equivalent who wish to progress to the Doctor of Pharmacy (Pharm. Please visit the apply now page for the latest information on application availability and deadlines. D.) degree at the College of Pharmacy, Western University of Health Sciences. Question 3: Why is the application deadline October 1, when the interviews are in March/April? The early deadline will allow timely processing of each application to give each selected applicant enough time to prepare for the Internal Assessment (IA) exam. Also, this deadline will allow us to accommodate changes in the rules of purchase of the IA study guide (see under “Admissions Process Information”). However, you must provide evidence, such as a letter from your school/college, stating that you are on track to graduate prior to the start of classes (July) at Western U. Question 4: I am due to graduate with a BS in Pharmacy this year. All relevant documents must be submitted by the application deadline. Question 5: What is the process for admission into the IPBP program? Once your file is complete, the Admissions office will forward your application to the College of Pharmacy for a preliminary evaluation. The college of Pharmacy faculty will evaluate your file and provide a score, whereupon your application may be selected for an interview and internal assessment (IA) exam. If you are not selected for an interview and IA exam, you will be notified of this decision immediately and your file will be closed for that year. Question 6: How does the October 1st deadline affect the admissions process? All completed applications received by the deadline date will be evaluated by the admissions committee. The applicants selected for interviews will be notified by the end of November. This will allow the selected applicants sufficient time to study for the IA exam. Also, only those applicants selected for the interview and IA exam will be required to purchase the IA study guide (if applicable). Question 7: When will the interview session take place? Question 8: Will the interviews and IA exam take place on the same day? The IA exam is administered in the morning and interviews (including written essays) are conducted in the afternoon, of the same day. This arrangement is more convenient for applicants traveling from out of town. Question 9: What can I expect on the day of the IA exam/interviews? Applicants selected for interviews will be asked to arrive at the campus early in the morning on their assigned interview day. The morning starts with a brief introduction and orientation to the program by the Assistant Dean for Enrollment Management. The IA exam starts immediately after the orientation. Applicants are given four (4) hours to complete the IA exam. During the afternoon session, applicants are separated into two groups to complete the oral interview and the written essay component. Once all activities are completed, applicants are free to leave campus. You may wish to also review our internal assessment (IA) exam FAQ page. Question 10: How are the oral interviews conducted? Usually, a team of two members comprise an interview team consisting of one faculty and one current student of the College of Pharmacy. Each interview session lasts approximately 25-30 minutes during which time the applicant is also given an opportunity to ask questions. Although communication skills are evaluated extensively, the interview team also looks for qualities such as motivation, critical thinking, general knowledge, etc. Overall, every effort is made to keep the interview session friendly. Question 11: How is the written essay session conducted? As one group starts the oral interview session, another group is administered the written essay component. The essays topics are usually of general interest whereby the applicant is encouraged to provide a balanced view of the topic to the best of his/her ability. The writing session lasts approximately 40 minutes. Question 12: Where will the interview sessions be conducted? Interviews will be held at the Western U campus in Pomona, CA. Other sites may be added depending upon the size of the application pool. Question 13: When will I know whether I have been admitted into the program? Admission acceptance letters will be sent out within two-three weeks of completion of the interview/IA process. Question 14: Where can I get the application for admission? Visit the apply now page for detailed instructions on how to apply. Question 1: Am I required to have a Bachelor’s degree in Pharmacy or equivalent? You must provide evidence, such as a letter from your school/college, stating that you are on track to graduate prior to start of classes (July ) at Western U. All relevant documents must be submitted by the application deadline. Visit the view requirements page for a complete list of requirements. Question 2: Are there any requirements to pass the Foreign Pharmacy Graduate Equivalency Examination (FPGEE) for admission into the IPBP program? FPGEE scores are not required or considered for the IPBP program. However, you must obtain a passing grade in the IA exam administered by the College of Pharmacy. Information on pharmacist licensure can be obtained at net especially if you have a BS degree prior to 2003 or graduated from a 5-year pharmacy curriculum. Question 3: Is the Test of English as a Foreign Language (TOEFL) a requirement for admission into the IPBP program? TOEFL is a mandatory requirement for all graduates from non-English speaking countries. A minimum score of 550 (paper-based) or 213 (computer-based) is required for consideration of admission. For students appearing for the TOEFL exam under the new guidelines, a minimum score of 79 (internet-based) is required for consideration of admission. Scores must be submitted by June 1 of the year of admission. Visit the requirements page for a complete list of requirements. The TOEFL exam will be waived for students who have graduated with a confirmed baccalaureate or higher degree from a United States institution. However, the College of Pharmacy places a strong emphasis on communication skills, both oral and written, for all students. Question 4: Is the Test of Spoken English (TSE) a requirement for admission into the IPBP program? We believe that a strong foundation in communication is vital to becoming a competent practitioner of the profession. Good communication skills also facilitate productive interaction with fellow students, faculty, the healthcare team and your patients. The International Post-Baccalaureate Pharm D (IPBP) program offers a unique training opportunity for domestic and international graduates with a bachelor’s degree (or equivalent) in pharmacy. Like most Colleges/Schools of Pharmacy in the United States, Western U requires four years of professional training following a minimum of two years of pre-pharmacy coursework. The International Post-Baccalaureate Pharm D (IPBP) program allows the successful applicant to bypass the first year and enter directly into the second year of the traditional program. IPBP students join the second year of the traditional Pharm. program and complete the remainder of the program within the time frame of 3 years. Thereafter, the program is completed within a three-year duration. D.) degree awarded to the IPBP student is to the same as the degree given to traditional students. Question 3: What are the tuition and other fees for the IPBP program? The tuition and other fees are the same as for our students in the traditional program. Visit the financing my education page for tuition, scholarship and loan information. Please also review the international student financial aid page. Question 4: If I am a foreign student, will you assist me in completing student visa/immigration formalities? The Western U Admissions Office will assist you in completing your immigration formalities. All foreign applicants are required to provide documentation such as financial support no later than the day of the interview/IA to enable the Admissions Office to prepare related paperwork for F-1 visa, should they be admitted. Please see our International Student website for more information regarding requirements for international students. Contact the Admissions Office for additional information. Please remember all required paperwork should be turned in as quickly as possible for the Admissions Office to issue the I-20 form to the student. Question 5: When do classes begin for the IPBP program? Although classes for the traditional Pharm D program students start in early August of each year, the IPBP students will start classes early to mid-July. A three to four-week orientation course, PHRM 5601: Overview of Clinical Practice, is offered (1) to orient the new students to the block system, (2) provide other relevant information provided to traditional Pharm. students during their first year curriculum and (3) prepare IPBP students for the didactic blocks during the upcoming years. PHRM 5601 is a graded course, hence attendance is mandatory. Following the completion of PHRM 5601, all students will be expected to participate in a University orientation session a week before regular classes start in August. More information on this orientation will be provided at a later date. Question 6: Is attendance at the “Overview of Clinical Practice” course a mandatory requirement? This is a graded course based on exams and quizzes. Your grade in this course will be applied towards your overall grade point average (GPA) in the program. Question 7: Am I eligible for employment as a student on an F-1 visa? However, there are certain restrictions on employment. Please visit our F-1 Transfer and Change of Status page for more information on employment and issuance of social security numbers. Please refer to our housing website to view housing options for Pomona and surrounding areas. Question 9: What is your withdrawal/cancellation policy and procedure? The following policy applies only to applicants who have purchased but not accessed the IA study guide: An IPBP withdraw form must be completed and submitted online to the admissions office at least ONE week before the interview/IA exam date indicating clearly that you have decided to withdraw your application from consideration into the IPBP program for that year and that you have not accessed the study guide. (Please note that we can only provide refunds if we have a written official notification from you)Upon receipt of the email or letter to the admissions office, the College of Pharmacy will refund your exam fee according to the following policy: Question 10: Can I visit your campus? Attend Preview Day where we will provide you with detailed information on the curriculum and profession as well as the admissions process. You will also have the opportunity to hear from the dean/upper administration and chat with current Western U students as they tour you through the facilities. Question 1: What is the difference between a physician assistant and a family nurse practitioner? Physician assistants (PA) and nurse practitioners (NP) share many of the duties. However, the primary difference is that a PA is a dependent practitioner that necessitates a relationship with a supervising physician. Question 2: How many applications do you receive, interviews do you grant, and applicants do you accept in an average year? For the 2018 entering class, we received over 2800 applications and interviewed 400 to seat a class of 98. Visit the competitive candidate profile page for additional information. Question 3: What is the board passing rate for your physician assistant students? Our graduates have consistently scored well on the Physician Assistant National Certifying Examination (PANCE) for those taking the test for the first time. Please take a moment to review recent Western U PANCE scores. Question 4: Is it advisable to work while I take classes? Students are not allowed to work while attending the program. Question 5: How can I learn more about your physician assistant program? Join us for Preview Day, an information session, request an information packet be sent by mail, or contact us with your questions. You may also sit in on a class, please call 909-469-5378 to schedule a time. Question 6: Do you have any information sessions/workshops on campus? We host Preview Days and information sessions regularly on campus. We encourage you to view the schedule and RSVP for an upcoming session. These sessions provide an opportunity for you to meet faculty members, learn more about Western U, the physician assistant profession, and the MSPA curriculum. You’ll have the opportunity to hear from students and faculty and tour the facilities. We welcome you to meet our students and enjoy a student-led campus tour during one of our Preview Day events. Visit our Campus Tour Page for upcoming dates and to schedule a tour. Question 8: How can I request an information packet? Submit an electronic information request form and we’ll be happy to mail you a brochure and keep you appraised of the latest developments. However, for the most up-to-date information we encourage you to visit our requirements page. All new applicants selected for the interview/IA exam will be required to submit this mandatory fee to purchase the IA exam study guide. Question 9: How can I learn more about the financial aid available to me? Once this fee is received, electronic access to the study guide will be provided. For more information regarding tuition, scholarships, and loans, please visit the financing my education page. The IA exam is a written test that is graded by the faculty of the Department of Pharmaceutical Sciences at the College of Pharmacy. The IA exam study guide is valid for a period of two consecutive admission cycles from the date of purchase. The two main purposes of the IA exam are as follows: Question 2: Is anyone exempt from taking the IA exam? It is mandatory for all candidates applying for the IPBP program to take the IA exam. Re-applicants selected for the interview/IA exam will not have to purchase the study guide as long as they are within the two consecutive admission cycle guidelines as stated above. (Please note that applicants are no longer required to purchase the study guides in advance of their selection for an on campus interview.)2. All applicants (new and re-applicant) selected for an interview must pay this fee on the day of the interview without exception. Failure to pay this fee will result in the applicant(s) not being allowed to take the IA exam and participate in the interview process. All fees must be paid in installments: the first installment of 0 for IA study guide access (if applicable) will be due after being notified of your selection for an interview; you will be notified approximately a month before your interview day for payment of 0 for the exam. Payments not made before the interview day may result in the delay of his/her application process. Question 4: What happens to my IA Exam Study Guide access fee if I do not get selected for an interview? The IA exam study guide access fee will be applicable only if you have been invited to campus for an interview that year. Applicants selected for an interview/IA exam will be notified by the end of November. Study guides are valid for two consecutive admission cycles from the date of purchase. Question 5: When and where will the IA exam be administered? The date for the IA exam and interview has been set for February 28, 2015. All admission related events including the IA exam will be held on the campus of Western University of Health Sciences, Pomona, California. Please visit our website for directions to the University. An applicant must achieve a score of at least 60% to receive a passing score for the IA exam. Also, if areas of weaknesses are identified, the candidate may be required to take remedial courses prior to being admitted as a student. Question 7: Will my IA exam score make a difference in the overall admission process? IA exam scores are a significant factor in the admissions process. Therefore, a high score in the IA exam will definitely improve your overall chances of being admitted into the program. Upon your selection for an interview/IA exam and subsequent notification from us, you will need to submit your IA study guide access fee (if applicable) to receive online access to an information packet containing study guides, sample exams and a syllabus of review information. In order to obtain the information packet, all prospective students have access to a computer and a valid email address (your email address should be clearly filled out in the application form). All relevant study materials will be placed on the Western University of Health Sciences server. Prospective students will be given “guest student” account access thereby allowing them to download the study material from the server. Detailed instructions will be provided on how to download documents from the Western University of Health Sciences server. Once the study materials are received by the candidate, it will be the responsibility of the candidate to study at his or her own pace and take the IA exam at the designated date and time. The entire examination will consist of approximately 200 multiple-choice questions. The test will be divided into four sections: (A) Pharmaceutics, Pharmacokinetics and Pharmacogenomics (B) Immunological Sciences (C) Pharmacology and (D) Acid-Base Chemistry. Most of the questions for the IA exam will be based on the information provided in the study guides. Question 9: When will the study materials be available for download? Study materials will be available for distribution by November 1st each year. However, applicants would only be allowed to download the study materials if they have been selected for an interview and have paid the study guide access fee (if applicable). This decision will be announced on or before the end of November. Thus, students selected for an interview will have approximately four months to prepare for the IA exam. Question 10: When will the results of the IA exam be announced? Results of the IA exam will be available within two weeks after the exam. All applicants will be notified of their scores by email. Question 11: What is the expiration date on the IA exam score? All passing IA exam scores are valid for 1 year only. Thus, in the event a candidate is not admitted to the program, he/she must retake the IA exam each time the candidate chooses to reapply for the program provided they have been selected for an interview.

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What if as a student I have an expert to write a paper for me? And what if I can write essays for money as part of my work-study? America’s higher education system is facing a new tendency of bespoke and custom essay writing. This trend calls for all stakeholders involved to strive un-understanding the dynamics and modalities involved. To start with, tuition costs across high schools and universities are rising quite fast. To evade excess debts and fee arrears in the course of their careers, students have to work after classes to handle these rising costs, and such work schedules leave them with little time for studying. Also, statistics show that graduating from high school are ready for colleges. Professors indicate that 80% of students end up using freelance writing services, and with this foundation, they will need help to be able to catch up with the needs for their current level of study. This style of pay to write essay unveils very broad issues in the American education system and our culture because students are now outsourcing problem-solving services to aid in navigating this thorny moral dilemma. Scholars and administrators must figure out the effects of paid essays on both ethics, plagiarism and the quality of instructions teachers give. Before you pay for essays as a student, you need to ask yourself about the consequences of using a third party service and the reasons behind your choices. The notion of students buying customized essays has become more conventional within the broader academic realm. It is widely recognized that most business individuals, athletes, actors and even politicians usually contract uncredited ghostwriters to bring their memoirs alive. Similarly, these forces have transformed the higher education system into a profit-making industry connecting buyers and sellers to exchange goods for money. The logic, therefore, implies that any student who pays a fair price will earn the grade that comes with it. In fact, most of higher education institutions usually remark how busy scholars are able to finish their programs within their tight, daily schedules. Plagiarism and cheating have existed for generations in many different forms. In the past, students who were in a jam often asked friends to write papers for them or used a paper that someone else had already written. More recently, as technology advanced, students began copying and pasting text from websites into their papers and passing it off as their own. As this problem grew, professors became savvy to it and special software emerged to detect this kind of plagiarism. Why, as a student, would I pay someone to write my paper? The definition of plagiarism is “to steal the words or ideas of another and pass them off as your own.” You could make the case that purchasing an essay online meets this definition. However, students that do this are not really stealing anything. They never have enough time at hand to meet the set deadlines, and so they acquire the work fairly by paying for it, and the work they submit is 100% unique and not copied from anyone. These are the same arguments that have been made to dissuade students from cheating for years. The issue of college essays for sale evokes strong emotions on both sides. And let’s face it: passing off someone else’s essay as your own is basically a form of cheating. College professors and school administrators may feel angry and disappointed that their students are looking for other ways to finish their course work. Choosing to pay someone to write your essay instead of doing it yourself is perceived as an unfair workaround. When instructors assign a task, they have specific goals in mind for their students and specific benefits that they will receive from carrying out each step of the process independently. By purchasing essays, you are bypassing that same process your instructor prescribed to help you learn. As a student, multiple reasons can drive you to pay someone for writing your essays. Different students have different motives for circumventing the education system. When you decide to buy essay papers, the questions to ask are: have you carefully thought about what you are doing? Do you, as an individual student, understand the risks involved in submitting papers written by other people? The advantages of using these services are quite evident: You may ask why the university or college would expect you to write so many academic papers and articles with very short deadlines. The simple answer is that writing an essay develops one’s critical thinking and capacity to argue their ideas out coherently. They also help students develop discipline in time management by meeting strict deadlines and acquire skills helpful in furthering their careers and life in general. Writing is also a more efficient tool in mastering concepts than mere reading. If you are able to put down and elaborate on what you learned in class, then most likely you understand the materials. In other cases, if you missed the class, you get a chance to demonstrate your knowledge during the writing process. Therefore, this idea means that having someone write your essays comes along with risks: There are several ways a student can pay for the best-quality essays without risks. A student can opt for using a professor to pay for essays, and then get the citation for their work, as most universities have no clear policy on these types of citations making this method reputable and student friendly. What if I get someone to write me an essay for free? Some students still pay for essays, yet many sites offer free essay help. With the availability of the internet, writing academic articles is quite easy and fast because you have access to information from across the globe. Many students are already using this service and prefer to hire someone to write a paper for them. However, they do not have the knowledge of what it entails buying an essay or placing an order online. After finding out all the pros and cons of online essay service, students have an opportunity to engage online writers to their advantage. When selecting the most professional and reliable service provider that offers writing essays for money, consider the following: Before using this service, consider the risks of your college professor discovering this. If your degree depends on this essay, then you might reconsider the option. student are too high; therefore, freelance writers come in handy to complete their thesis’ and dissertations. However, we envisage a situation where the faculty understands the dynamics surrounding higher education and academic writing. Having a writer help in carrying some of this burden would be a great relief. With a vast number of international students whose primary language is different from the US or UK English, teachers should at least allow students to use the assistance of translators. From the papers the students obtain, they can beef up their writing skills and come up with better papers in the future. Beware though, professors can also be lenient in their grading systems when it comes to these assignments. This will help strike a balance and avoid student victimization when using essay writing companies.

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The typical questions most students ask are: What is the meaning of discursive? This type of paper is usually assigned to college students at the college level. You may be required to write an assignment wherein you have to argue for the issue or against it or present your points of view on both sides, or provide your unprejudiced opinion on that matter (and, of course, you writing should contain no mistakes. It should be clearly presented and followed by reasons and supporting examples. Check out the tips from experts below: First of all, let's figure out what the discursive essay is. You have to think more critically and more in-depth when reviewing all viewpoints and aspects of discursive essay writing. Opinion essay requires author’s opinion on an issue which is stated in the introductory paragraph. Also, this essay paper should contain an opposing argument that comes before the conclusion. The writer must explain to readers why the mentioned argument is considered to be unconvincing. The writer’s opinion should be restated/summarized in conclusion. For and Against Essay provides readers with a thorough debate on the topic with the help of opposing points of view. Each point should be discussed objectively and described in details. The introductory paragraph puts the issue under consideration. The main body of this essay paper should present examples, reasons, and arguments supported by justifications. The author’s own opinion with balanced reflections on the topic should be stated only in conclusion. Essay Suggesting Solution to a Problem discusses problems and finds main solutions. Introduction paragraph explicitly declares a problem and analyses its causes and consequences. The main body of the essay should offer some suggestions for a possible solution to the problem and potential state consequences or expected results. Basic do’s of a discursive essay: Good luck with your discussions and discursive essays! In conclusion, author’s opinion should be distinctly summarized. Be sure to check out the articles on our blog for more academic wisdom. Well, it’s time to talk about the structure of a discursive essay. Your conclusion length should not exceed one paragraph. By the way, on Custom Writing website you may find best essay topics for your academic writing. Like the most of assignments, a discursive paper starts with an introduction and ends with a conclusion: 1. Main body The next step under formal essay writing you should take is to compose the body. Conclusion Well, you’ve almost finished your writing. Keep reading, and you will learn how to write a conclusion for a discursive essay. And don’t forget to share your opinion in comments below. Introduction The first question you may ask is how to start a discursive essay introduction. Give your readers a hook – something that would sound interesting to them. You may use quotations, as well as rhetorical questions. The last section involves the summary of the main points, specified in the body paragraphs. Remember: it should resonate with your evidence stated in the body paragraphs. Show your readers both sides of the arguments and sum up. Is there something I should avoid in my discursive essay introduction?

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A descriptive rhetorical style is one that uses the five senses (touch, taste, sight, sound, smell) and other details to provide the reader with a vivid idea or picture of what is being represented. Your professors may ask you to write short, descriptive essays in some classes, but, most often, you’ll want to add a descriptive style to different types of essays. Narrative essays should generally be quite descriptive, for example. Still, you may encounter assignments in which you are asked to maintain a descriptive style for most of the essay.

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In the last two decades, philosophers have become increasingly aware of the fact that, in spite of significant differences between the contemporary and romantic contexts, romanticism continues to “persist,” and the questions that the romantics raised remain relevant today. The Relevance of Romanticism: Essays on Early German Romantic Philosophy is the first collection of essays that directly considers the reasons why philosophers have recently become deeply interested in romantic thought. Through historical and systematic reconstructions, the volume offers greater understanding of romanticism … More In the last two decades, philosophers have become increasingly aware of the fact that, in spite of significant differences between the contemporary and romantic contexts, romanticism continues to “persist,” and the questions that the romantics raised remain relevant today. The Relevance of Romanticism: Essays on Early German Romantic Philosophy is the first collection of essays that directly considers the reasons why philosophers have recently become deeply interested in romantic thought. Through historical and systematic reconstructions, the volume offers greater understanding of romanticism as a philosophical movement and deeper insight into the role that romantic thought plays—or can play—in contemporary philosophical debates. Sixteen essays by both established and emerging scholars discussing key romantic themes and concerns highlight the diversity within both romantic thought and its contemporary reception. Part 1 consists of the first published encounter between Manfred Frank and Frederick Beiser, in which the two major scholars discuss their differing interpretations of philosophical romanticism. Part 2 draws significant connections between romantic conceptions of history, sociability, hermeneutics, and education and explores the ways in which these views can illuminate questions in contemporary social-political philosophy and theories of interpretation. Part 3 consists in some of the most innovative takes on romantic aesthetics, which seek to bring romantic thought into dialogue, with, for instance, contemporary analytic aesthetics and theories of cognition. Part 4 offers a rare rigorous engagement with romantic conceptions of science, and demonstrates ways in which the romantic view of nature, experimentation, and mathematics need not be relegated to historical curiosities.

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