Is Global Warming a Hoax? Essay -- environmental issues, climate change

Is global warm a hoax?Anyone who listens to the news for sure very frequently comes across a news anchor stating how the solid grounds climate is changing. Global warming is a term that creates fear among many. But with all the rough and uncensored media out there how do we know that this is not a lie or cover-up? So what does global warming actually tight and is it really true? If global warming is such a big deal why are we taking our time to act?The climate of the Earth has been changing way before the industrialization era began way before we started to dig up fossil fuel, burn it and put carbon into the air. So if this has been disaster for a long time, what is the huge fuss about it? Many believe this is just a fuss. Looking at the financial perspective, many beneficiaries have popped up due to the investment in green-friendly materials. One of the notable people who made sky rocketing financial gains after his investment within the green-industry riches is Al Gore, an Am erican politician, advocate and philanthropist, who was the 45th Vice President of the United States, under President Bill Clinton. Larry Bell states In 2004, Gore co-founded London-based Generation enthronisation Management (GIM) with Senator Feinsteins husband, former Goldman Sachs Group, Inc. Managing Director David Blood to invest money in businesses that were going green. Public filings show that GIM raised profits of nearly $218 million between 2008 and 2011, split among 26 partners. By 2008 Gore was able to put together $35 million into hedge funds and private partnerships through Capricorn Investment Group, a Palo Alto company founded by his Canadian billionaire buddy Jeffrey Skoll, the first president of EBay Inc (Bell).One main blow comes from the co... ...ources Defense Council (NRDC), Four global warming impacts alonehurricane damage, real estate losses, energy costs, and water costswill come with a price tag of 1.8 percent of U.S. GDP, or almost $1.9 one thousand mi llion annually (in todays dollars) by 2100 (Akerman 4). humor change or global warming is neither todays nor tomorrows problem. It is a long term problem that has been affecting us, is affecting us, and at an even much higher rate will affect us. Works CitedAckerman, Frank, and Elizabeth A. Station. The cost of Climate Change What Well Pay if Global Warming Continues Unchecked. nrdc.org. Natural Resources Defense Council, May 2008. Web. 26 April 2014.Bell, Larry. The Greening of Gores Bank Account. Forbes. 21 May 2013. Web. 25 April 2014.United States Environmental Protection Agency. Future Climate Change. Epa.gov. n.d. Web. 25 April 2014.

John F. Kennedy Essay -- President Presidency Governmental Essays

John F. KennedyJohn F. Kennedy was one of the greatest presidents of the twentieth century. He united almost the entire nation under a common goal the Moon. His charisma could turn skeptics into believers, and strengthen the bond between himself and his supporters. He had so much charisma because he used many rhetorical devices in his speeches, the homogeneous rhetorical devices that rich person been wooing crowds of people since the time of Rome. One of his most memorable speeches he gave was at Rice University in 1962. In order to rally the support of the blank program by the average United States citizen, Kennedy employs rhetorical devices, rhetorical appeals, and argument structure.Kennedy uses many rhetorical devices in his speech. A poignant example of this is when he employs both denotative and connotative language to add emphasis. An example of him using denotative language can be seen in his sentence F-1 rocket engines each as powerful as all eight engines of the Saturn combined (Kennedy, 1962, p. 2). He knows his audience is made up of mostly engineers who would run into what the Saturn and F-1 boosters are, so he does not waste their time explaining the technical aspects of the engines. The audience would probably enjoy this, because it figures that Kennedy thinks highly of their intellect. Kennedy uses connotative language in his statement We have had our failures, but so have others, even if they do not admit them. And they may be less public. (Kennedy, 1962 p. 3). In this sentence, Kennedy connotes that the Russians are also having problems with their manned space program, even though they are reluctant to expose their failures to the public. Kennedy also uses connotative speech when he says Well space is... ... contrast in order to show the different intentions of the Soviets, and the US. He feels the Soviets want to dominate mankind under the banner of Communism, but he wants to beat them to the Moon so that Democracy wins the race for do minance. He also uses chronological arguments in the beginning of his speech in order to demonstrate the evolution of technology in the US. This demonstrates how fast we are creating new technologies, and how that pass on effect our race against the Soviets.Kennedy was among the great speakers throughout history. He was no Abraham Lincoln delivering the Gettysburg Address, nor was he Mark Antony giving the eulogy of Julius Caesar, but he did use the same tools of rhetoric developed and masterfully employed by these great men. ReferencesRetrieved from world wide web on 2/24/03, from http//www.rice.edu/fondren/woodson/speech.html

Richard Fairbanks and Takeshi Yasudas Ceramics Essay example -- Arti

Richard Fairbanks and Takeshi Yasudas CeramicsRichard Fairbanks, although legion(p tearingicate) times overlooked, was an important American ceramist. He was known as a loner and because of this he was never rightfully appreciated for his talent. Fairbanks was greatly influence by his professors. Professor Paul Bonifas, who taught at the University of Washington, was one who left a huge impact on Fairbanks work. Fairbanks created a outline of sketching pottery profiles, which stemmed from Bonifas teachings, as a mean of thinking on paper. This approach to pottery through sketching was a crucial element that separated Fairbanks from many other Asian-inspired American peers. Although, Fairbanks was a wheel thrown expert, he continued to think on paper throughout his creative life. Much of what absorbs Fairbanks interests can be seen in his making of candlesticks, casseroles, and vases. During the later part of his life he created three of his final pieces. One being the Sto neware Heart Plate, 1985, secondly the Stoneware server, 1985, and thirdly the Stoneware Vase, 1985. These were three of Fairbanks abide works, which suggest the direction in which he was headed, in terms of what defined his style, before he became deathly ill. The plate, which is an exploration of decoration, is liquid clay or compositors case pattern of concentric circles around a valentine heart. This plate was wheel thrown, and glazed with iron oxide and copper red washes. I go through it very interesting because it seems to confront more emotion than most of his other pieces. This can probably be indirectly associated with Fairbanks illness and how he was feeling at the time. The next piece he made during his period of illness was called the Stoneware Server. The server can be explained by unadorned simplicity. It also takes on some style of the art deco period. Fairbanks decided that for the server, he would decorate a new style of handles. The thrown thread-spool shape. Many people explained this server as a model of modernist formal unity. The server is covered with red matte glaze. I became attracted to this piece because of its simplicity. It creates room for interpretation, which I find culminating. His last and final piece, which is very interesting, is called the Stoneware Vase* It has two curled spiral handles, suggestive of ancient or pre-historic civilizat... ...s Platter is made from Creamware, which was an invention of 18th century Staffordshire. Creamware was what eventually re short letterd the popular thin glazed products. Yasuda gave a new name to creamware. He was impressed with its approbatory and visually liberating appearance.Though not strongly shown in the pieces above, Yasudas ability to control and rescue a form before a complete collapse takes place amazes me. His interest in gravity and directional pull played a huge role in Yasudas style.I feel strongly that Yasudas success comes from his love of explora tion, especially of the secret. By challenging the normal his pots engage and provoke his audience.Richard Fairbanks and Takeshi Yasuda are very different in nature, but I find each of their works visually and aesthetically compelling. Difference creates questions, which creates interests, which creates answers. I feel both of these men treasured simplicity in its realist form Fairbanks and Takeshi both explored the unknown to create identity for themselves. The creativity, ingeniousness, and capacity of knowledge that these men display helps identify who they are and what they stand for as artists.

Animal Testing Essay -- essays research papers fc

Animal TestingMore and more animals are being taken form their natural habitats and tested on each year. Researchers, scientists, and companies just trying to make new products are using animals to further their experiments. If animal testing continues to happen at this rate then their will be no animals left to use for food, study, or even for simple amusement. When the animals are being taken form their natural environments it harms the natural food chain and otherwise ways of life. When people abusing the animals rights they make the animals suffer and decrease their overall population. many another(prenominal) people are trying to find ways to ending this hurting of nature. Some people find different ways like using computer simulations and other new sources.Many animals are dying quotidian from humans testing on them. These animals have been tested on for research, drug use, and to test company products. Testing on animals leads to more diseases occurring. at that place a re some(prenominal) groups assembling to stop the scientists and researchers from hurting the animals. Some people try and argue the reasons for why animals are being abused. Some say that it is for science and to expand our knowledge.There are many new forms of diseases being found everyday. A major cause of these new diseases is testing on animals. Many scientists and researchers find that new forms of diseases or showing up from exposing new substances to animals.(Hart, Snyder pg1+) Research at the Barrow Neurological institute in Phoenix has shown that injecting cancer cells into beagle puppys brains has caused a new, different form of cancer. (Hart, Snyder pg1+)Another way diseases are spreading is the fact that people in Korea are eating dogs and passing different diseases between spaces. Many people that are not testing on live animals are contracting diseases too. (Texley pg1+) Some students in an Alabama school caught a roughly different case of the flu from dissecting de ad frogs in biology class.Many groups have been formed to stop animals from being abused and tested on for self-loving reasons. Animals are being tortured and killed for some companies to test their products. (Motavalli pg3+) Many people in there groups are going to law schools in the States that offer animal rights law. Animal righ... ... this is aloud to continue. People will keep trying and finding ways to save the animals and still further science. I smell that animals rights should not be violated for the sake of science. I feel life should not be traded off for simple research.Works CitedA Big First Step in Reducing Animal Testing. NIH News Release. December 28, 1999. SIRS. January 5, 2005.www.sirs.com.Balcombe, Jonathan. Anything but Routine. Good Medicine. Autumn 2003. SIRS.January 14, 2005. www.sirs.com.Balcombe, Jonathan. Stress and Substance Abuse. Good Medicine. retract 2003. SIRS.January 14, 2005. www.sirs.com.Hart, Bill and Kerry Fehr-Snyder. Almost Human. Arizona Republic. December 10,2000. SIRS. January 14, 2005. www.sirs.com.Morrison, Adrian R. Whats Wrong with Animal Rights. American School mount upJournal. January 1992. SIRS. January 14, 2005. www.sirs.com.Motavalli, Jim. Rights from Wrong. E Magazine. March-April 2003. SIRS. January 14, 2005. www.sirs.com.Texley, Julian A. Doing Without Dissection. American School Board Journal. January 1992. SIRS. January 14, 2005. www.sirs.com.

Indian Cuisne :: India Food

India which is also called The Republic Of India, is a very large country in South Asia. By size of it is it the 7th largest country in the world. It also the 2nd most populated democratic country in the world. It is nearly surrounded by water save connected at the north end of the country the the rest of Asia. On its south is the Indian Ocean. On the west, the Arabian Sea and on the east the speak Of Bengal. It is connected to countries such as China, Nepal and Pakistan which also have had an affect on Indias cuisine. India is also subdivided into 28 States and 7 Union Territories which each have different variations of Indian cuisine . BhapaThis technique is simply moveing, usually in banana leaves or in foil. This is utilise in Eastern India and other parts of India for Fish and Vegetables.Bhunao/KashaThis is the operate of cooking mainly rich meat dishes in a onion spice base on low heat stirring frequently for a very long time.Bagar/Chowk Or SambaraThis is the process of tempering foods with the final addition of spices and ghee. It is used for most lentil dishes.Dum-Pukth This is cooking in a sealed steam pot, this method is typical of the cooking of Lucknow and is used for rice dishes such as Biryanis and Pillaus.TalnaThis is the term for frying both deep and shallow. Tikkis and Kababs are cooked this way.SekhnaIs the process of pan roast for nuts and griddle breads.Garam MasalGaram Masala is a term for a mixture of spices used in Indian cooking. There are many commercial brands are available, notwithstanding keen cooks can grind and blend their own. This ensures freshness and means you have control over the quality and quantities of the individual spices. There is no official formula for Garam Masala, but many Indian families have their own variety. Common ingerdients are Nutmeg, Cumin seeds, toasted Black peppercorns, Whole cloves, Cinnamon sticks, Black or fountain cardamom.CuminCumin from Western Asia, where it has been harvested since Bib lical times. People cook with the fruits of the plant, which are usually called the seeds.Cumin is a very weak spice often used in highly spiced cuisines, especially Mexican and Indian. GingerGinger is used a lot as a cooking ingredient or spice in Asian cuisine. It is also used in many western dishes such as Gingerbread Men, Ginger Beer and Ginger Snaps.

Indian Cuisne :: India Food

India which is also called The Republic Of India, is a very large surface area in South Asia. By size is it the 7th largest country in the world. It also the 2nd most populated democratic country in the world. It is nearly surrounded by water but connected at the north end of the country the the rest of Asia. On its south is the Indian Ocean. On the west, the Arabian Sea and on the east the Bay Of Bengal. It is connected to countries such as China, Nepal and Pakistan which also have had an affect on Indias cuisine. India is also subdivided into 28 States and 7 Union Territories which each have different variations of Indian cuisine . BhapaThis proficiency is simply steaming, usually in banana leaves or in foil. This is used in Eastern India and other parts of India for Fish and Vegetables.Bhunao/KashaThis is the process of cooking mainly rich meat dishes in a onion spice base on low heat stirring frequently for a very recollective time.Bagar/Chowk Or SambaraThis is the process o f tempering foods with the final addition of spices and ghee. It is used for most lentil dishes.Dum-Pukth This is cooking in a sealed steam pot, this method is typic of the cooking of Lucknow and is used for rice dishes such as Biryanis and Pillaus.TalnaThis is the term for frying both deep and shallow. Tikkis and Kababs are cooked this way.SekhnaIs the process of pan roasting for nuts and fry breads.Garam MasalGaram Masala is a term for a mixture of spices used in Indian cooking. There are galore(postnominal) commercial brands are available, but keen cooks mass grind and blend their own. This ensures freshness and means you have control over the quality and quantities of the individual spices. There is no official recipe for Garam Masala, but many Indian families have their own variety. Common ingerdients are Nutmeg, cumin seeds, toasted Black peppercorns, Whole cloves, Cinnamon sticks, Black or green cardamom.CuminCumin from Western Asia, where it has been harvested since Bib lical times. People cook with the fruits of the plant, which are usually called the seeds.Cumin is a very weak spice often used in passing spiced cuisines, especially Mexican and Indian. GingerGinger is used a lot as a cooking ingredient or spice in Asiatic cuisine. It is also used in many western dishes such as Gingerbread Men, Ginger Beer and Ginger Snaps.

Tatlong Taong Walang Diyos

tatlong taong walang diyos (three years without god) The film, set during the Japanese Occupation of the Philippines between 1942 and 1944, tells the story of Rosario (Nora Aunor), a young schoolteacher engaged to be married to Crispin (Bembol Roco). Crispin leaves Rosario to combat the Japanese as a guerilla, and in his absence a Japanese-Filipino officer named Masugi (Christopher de Leon) rapes her.Masugi later returns to Rosario apologizing for his act, bearing gifts of canned food and rice which Rosario at first refuses. Matters atomic number 18 complicated when Rosarios father Mang Andoy (Mario Escudero) is arrested by the Japanese and Rosario reveals to Masugi that she is pregnant. Rosario must make a choice accept Masugis proposal to make her his wife (saving her father and ensuring a respectable and stable life for her child), or reject him and with him the baby they have conceived together. n the form of a blind man lighting a candle for himself and his paralyze brother. The blind man carefully picks up the child, and makes his way out the church just when a procession, complete with hundreds of candles and heavily costumed wooden saints, marches in. The symbolism is somewhat obvioustrue faith walks quietly out the door, while pomp and pageantry make a grand, meaningless entrance.But the entire wordless word picture is so quietly understated, so beautifully shot and stageda perfect example of the purest cinemathat it literally takes your breath away. Yes, Crispin, there is a theologyonly he could have inspired OHara to shoot a scene like that. ipinapakita ng gumawa ng pelikulang ito kung gaano kahina ang mga pilipino sa panahon ng kahirapan at pag papahirap ng mga dayuhan sa ating bansa. sinasabi ng pelikulang ito na dapat maniwala lalo tayo sa diyos upang tayoy matulungan niya sa panahong tayo ay nahihirapan.

Gross Domestic Product GDP

The Gross Domestic Product (gross domestic product) of a landed estate is commonly defined as the total market value of completely final goods and services produced in a country in a given year. The fact that it is measured regularly and quite consistently in lots all countries of the world allows a direct comparison of the standard of living in individual countries. The frequent measuring also makes it possible to quickly disclose changing trends. For example, it is used to determine whether an economy is growing faster or slower than in the previously measured period and to compare it with other economies in the world.When GDP is calculated in relation to the population of a country, one speaks of the aver sequence GDP per capita. This is often used as an indicator of a countrys standard of living. However, as a measure of the standard of living in a country, GDP has its limitations and shortcomings. ? It does not differentiate between economic turnout that actually benefits th e population and economic bads in a country, such as, for example, expenses for warfare, pollution-producing industries, etc. It does not include unreported activities such as illegal trading or black-market labour. ? It does not reflect non-market activities such as unpaid housework, childcare, and care for the elderly at home, community services or similar activities.The distribution of wealthiness within a country can be truly uneven. When there is a high concentration of enormous wealth in a very small group, and the vast majority of a population is very poor, the average income may be relatively high, although the standard of living of the majority population is low. GDP can only measure the material standard of living, without taking into account the quality of life as perceived by each individual, which cannot be like across a population or countries. ? Economic output can increase due to technological advances requiring less employment, thereby decreasing the employment r atio. ? The age distribution within a country may be such that a relatively small group of working-age people have to support a large group of old people, resulting in a lower employment rate and consequently a lower standard of living.

Great Expectations Illustrates the danger of seeing status and money as the most worthwhile aims in life

Charles Dickens Great Expectations is not so uncomplicated as to suggest that wealth is a destructive force. Instead it attempts to shine up the app arent dangers associated with becoming preoccupied with money and social status. In Pip, the books chief protagonist, Dickens presents us with a character that misguidedly follows these ideals in a journey of ego delusion. The abandonment of his childhood father figure -Joe and his earlier virtues of decency and compassion are the consequences of his misconception that with wealth will come gentility. Dickens underlying message is that wealth and class are superficial, failing to give any indication of a persons quality or true gentility.This beingness said, it must be understood that Dickens aim is not to chasten wealth and social niceties such as good manners and a formal education, instead it is those who worship these false ideals and become preoccupied with them that are criticized. In characters such as Herbert and Mathew Pock et and, to an extent, Wemmick and Jaggers, we are presented with benevolent and harmless forms of class and privilege. Yet juxtaposed against this we stimulate Pumblechook, Magwitch and Pip. Failing to realize what rightfully counts, these characters delude themselves into accept that by assuming the outward trappings of gentility they will become gentlemen. How eer, by making wealth and status their most worthwhile aims, they succeed lone(prenominal) in becoming grotesque and quite repugnant.The dangers involved with such illusions include pretentiousness, wasteful lifestyles and an inability to appreciate true and noble gentility. These become most unornamented in Pip as his wealth gives him the illusion of greatness without the substance. He changes from the innocent blacksmiths assistant to the humbug gentleman to be. At times his pretentiousness is unbearable, its absurdity highlighted in the quote The (servant) was ordered to be on duty at eight on Tuesday morning in the hall (it was two feet square).He is so lost in his fixation with wealth and class that he treats Joe and Biddy his childhood mentors patronizingly and with contempt If I could have kept (Joe) away by paying him money I certainly would have. This leads him to turn his back on these noble characters, removing their wisdom and decency from his life, leaving him only with his wasteful and highly pretentious lifestyle. At one stage Pip himself admits (the effect of my expectations) influenced my own character, I disguised from my recognition as much as possible, but I knew very advantageously that it was not all good.In highlighting these dangers, Dickens preaches that social status and external appearances are doubtful measures of a persons true quality. Pips journey clearly exemplifies this message, being most repugnant at the hight of his expectations yet being most worthy when he has lost everything. Supposed gentlemen such as Pumblechook, Drummle and Compeyson who mock the false summon of gentility but are really hideous and unworthy characters are further variations on this theme.However, it is Estella, Miss Havisham and the world of Satis domiciliate that are best apply in the attack against the simple-minded notion that money and status are a guide to quality. The lovely Estella charms Pip with her beauty, yet as she herself admits I have no heart and is incapable of love. Miss Havisham and her attractive Satis house have the showings of happiness and glamour. The truth is, however, that she has been eaten away by bitterness in a house that is strange and does not permit love. Therefore, Dickens strongly argues that external appearances fail to count for what lies beneath.Instead Dickens holds up truly noble characters such as Joe, Biddy, Wemmick and Clara, who understand the importance of compassion and fellow feeling, for our admiration. He attempts to show the reader that these are the determine that should be made the most worthwhile aims of lif e. His protagonist finally comes to this realization at the conclusion of the novel, as he appreciates the true gentility of Joe as a good Christian man. By making these characters the righteous centre of the book Dickens is able to highlight the greater importance of such values over wealth in determining the quality of a person.Even the darker characters of the book such as Miss Havisham and Mrs Joe are able to understand this (though it comes far too late), with Miss Havisham asking for Pips forgiveness Prey if you could ever right under my name I forgive her prey do it. and Mrs Joes final words JoePardonPip. Clearly the moral of the novel is based on the importance of love and compassion over wealth and class.Dickens, therefore, argues that money and social status fail to act as indicators of a persons true worth. Instead it is values such as compassion and the ability to love that define their gentility. Although Pip in his journey misguidedly believes that his re-invention would lead to bettering himself, he is eventually able to realize what truly counts are the virtues of love, compassion and decency.

Enron collapse A look back Essay

Enron collapse A look backIntroduction Enron was formed as a result of merging with a nonher guild and it became a successful corporate. The joy of the business owners is to see how it grows fast and to attract more investors. There are rules and rule that governs the corporate monetary report that is open for inspection by potential investors (Folger, 2011). The audit of these financial reports should disclose the accurate financial state of the company and this should be do known to the stakeholders of the company. The stakeholders of a company play an main(prenominal) role in progress of the business and the going concern of the company (Sterling, 2002). The company of Enron did not manage its debts and in that respectfore looked for means of hiding the truth from its stakeholders so as to continue making profit. The aim of a business is to rat profit and be able to pay the debts of the creditors and also attract investors who are interested in the business. Most investor relay on the financial statement to determine whether to invest or not to invest (Folger, 2011). The Enron Company was a big company that was famous and successful before its f all(prenominal). The corporate attracted many investors since they financial report showed how the business was developing at high rate (Bauer, 2009). However the corporate commission did not disclose the true and fair view of the financial reports. The financial report of a company should not mislead the shareholders or its members. Moreover, in the Enron scandal there were some cases in which it showed misconduct of its financial reporting since the corporate did not expose true and fair financial accountings to its stakeholders. The corporate used financial fabrication and mark- market accounting to hide its actual debts and existent financial situation (Folger, 2011). These reports made the investor believe that the corporate was making profit while it was making losses in real sense. It is also a form of fraud to stakeholders since it cannot meet all its debts and in case of winding up majority of the investors and shareholder would suffer greatly. The Enron scandal was deemed to be great since it had huge debts to settle and its assets could not settle these debts. Indeed, financial misconduct affects a large group of stakeholder and leaves a great mark that cannot be erased (Sterling, 2002). For example the shareholders of Enron corporate were highly affected and suffered a loss of billions that were not recovered since the corporate went bankrupt and the assets of the business were also false in existence. The investors also suffered greatly from these financial misconduct, they lost their resources. In addition, the employees suffered greatly by losing billions of bounty benefits due to the misconduct of financial reports which led to the bankruptcy of the Enron therefore could no longer pay them (Folger, 2011). The financial statement of a company is very important to the investors, it gives an over view of the stability of the business and its ability to pay debts. The Enron corporate failed to disclose true and fair view financial statements by hiding its real financial reports and the investors were misled and also due to many investments made by the company lead to its bankruptcy (Sterling, 2002). The purpose of accurate financial reports is to help the investors and also the company to know to what extent they should contract or invest in other businesses. It also helps in managing of the companys debt thus making profit solely the Enron was only interested in making a lot of profits that led to their down fall. moral philosophy are rules that govern every business and its members on how to conduct their daily roles in the company (Brady, & Dunn, 1995). In other words, the managers of this corporate owe their loyalty to its stakeholders and their interest ought to be the interest of the business (Bauer, 2009). In d eontology of the Enron corporate, the management had a duty and obligations to display the true statement of finance and also to operate the business in the interest of the stakeholders and not their interest. As the leaders they ought to make sure that the going concern of the business is kept and the assets of the company are secured. In addition, the duty of the Enron managers was to disclose the true and fair view of financial reports (Bauer, 2009). On other hand, utilitarian is a form ethic that is used to show the positive side of the organization, for example by disclosing the false statement to stakeholders thus blind them of the real situation (Folger, 2011). The Enron leaders used different methods to conceal the truth about its debts and faked the profits. They made the business look attractive and therefore more investors invested in the business. At the end, the ethics rules were violated and the leaders had a role to play .Enron had a role to disclose the truth w hich could have rescued the company (Bauer, 2009). If at the beginning, the company revealed the truth it would not have ended bankrupt and the employees would have secured their jobs. Finally, the company had a duty to disclose the true financial statements and also hold open the company from falling and the scandals would have been avoided. The companies should put into practice the ethics governing the corporates. Therefore, to prevent any future happenings such as the past frauds in the company, there has been an enhanced regulation as well as oversight in the company (Folger, 2011).ReferencesBauer, A. (2009). The Enron scandal and the Sarbanes-Oxley-Act. Munchen GRIN Verlag.Brady, F. N., & Dunn, C. P. (1995). Business meta-ethics An analysis of two theories. Business Ethics Quarterly, 385-398.Folger, J. (2011). The Enron collapse A look back. Investopedia, December 1. Retrieved October 25, 2014, at http//www.investopedia.com/financial-edge/1211/the-enron-collapse-a-look-back.a spxSterling, T. F. (2002). The Enron scandal. New York Nova Science Publishers.Source document

African Americans since 1865 Essay

It happens to be common knowledge that throughout history African Americans have been oppressed, segregated, and disregarded as civil human beings. In the finish off of history Africans were regarded as animals and as such they would do the job of animals, however this paper will look at their sacrifices and fights to be treated as equals.The abolishment of slavery brought on a war, not between two countries but a war that divided a country, one that is still spoken of today. The Confederate or rebel states rose against the President of the United States in retaliation of his and many others view that no man woman or child should be a slave. All people were created equal.Africans in politics Although four million African American slaves were now free they had codes placed against them, the Black Codes restricted the lives and strawman of these people. In order to override the codes the 13th, 14th and 15th amendments were drafted and passed. Not only was slavery abolished but all slaves were now citizens and in such race could no longer be used to prevent the vote of a person. Africans now had a voice on who was elected and soon they had African Americans running for brass offices.Corbould, C. (2009) Becoming African Americans Black Public Life in Harlem, 1919-1939 Harvard University Press. Cambridge, MA, USAHarlem Renaissance African Americans soon were cast aside again, during the age of imperialism and leading into existence War One Africans were struggling to make a life. Some fought in another war, this time not for their freedom but for the freedom from communism on board their white counterparts. After the war ended blacks started to come together, the Harlem Renaissance was born. King, M. L. Jr. (2010) Stride Toward Freedom The Montgomery Story. Beacon Press. Boston, MA, USABlack power impulsion 1954 to 1963 America saw a strong struggle for the advancement of civil rights, equality and desegregation. From every day citizens expressing their beli ef in being equal to their white counterparts to lawyers fighting for the equality all had deserved. These times were pivitol in an unstable America. Not only were on that point these movements of civil equality and black power but as well as a war in a far land that many Americans were against at the time. Inventions and impactFrom writers, inventors and powerful leaders throughout black history there are some that are household names and some that may be forgotten. I plan on taking a look sanction on those who through oppression continued to strive for better for themselves and for all. African Americans todayNot long ago segregation was prominent, civil rights were abused, racism and despise were common. Today we have CEOs, congressmen and senators, military leaders and the President of the United States who are all African Americans. No longer considered a minority in manys eyes, African Americans have literally built themselves from slaves to leaders and teachers.

Critiquing Internet Sources Essay

Today, the Internet provides an unprecedented amount of information by way of blogs, videos, and podcasts. Conduct a critique of one blog, one video, and one podcast, which provide information that addresses the topic of your Final Research Paper. Assess the authors use of bias, validity, and applicability of information. Examine the influence of web-based information on global citizenship and multicultural understanding. Then, salt away a list of three factors you believe should be considered when evaluating Internet sources for use in researching information.The paper must be three to four pages in length (excluding the title and reference pages) and formatted according to APA style. In addition to the three multimedia sources you are analyzing, support your points with at least two profound sources. One of the scholarly sources must be from the Ashford Online Library. Cite your sources within the text of your paper and on the reference page. For information regarding APA, incl uding samples and tutorials, visit the Ashford Writing Center within the Learning Resources check mark on the left navigation toolbar.

Psy 535

multicultural research methodologies atomic number 18 one of the newest research handle to be implemented in recent decades. Traditional research methodology has been established for centuries, and has a very orthodox view of things wish norms, measurement instruments, sampling, and observation. Multicultural researchers quickly found out that applying these same factors to their own research was inappropriate the field of multicultural research demanded a opposite perspective if any several(predicate)iate of useful and accurate recallings were ever going to be issued.Two scene of actions where there is great difference between multicultural research and conventional research are measurement instruments and norms. In these two areas it is easy to demonstrate how traditional research has a much easier while being performed with the standard and well established concepts involving measurement instruments and norms. However, when a multicultural researcher attempts to answer a question or reinforce a hypothesis he or she will quickly find out that they must perform their research in a way that is very different from those in the traditional field.Measurement instruments are an excellent address to begin looking at the way multicultural and traditional research methodologies contrast. As the world becomes increasingly globalized and corporations begin to operate in many different countries encompassing different and diverse glosss, there is a clear need for accurate multicultural research on a myriad of topics. Even elemental glances like product satisfaction are more difficult for a multicultural researcher.Various countries and populaces patently charter different viewpoints and this can cause intact research designs to have to be suited to specific nations, or even specific populations within those nations. For example, traditional researchers have found that it can be exceedingly difficult to get individuals in Latin America to participate in one of traditional researchers move time honored measurement devices the focus group. (Morrow, 231) In contrast, many American citizens are quite receptive to the idea of participating in a focus group, a well-established fact known to most multicultural as well as traditional researchers.Those who are educated in multicultural research methods understand that Latin Americans have a very different point of view when it comes to how they value their time. For the average Latin American the idea of participating in a focus group is a waste of time that could be better spent doing almost anything else. The list of research measurement instruments that must be altered depending on the culture being sampled is almost endless. dismount surveys, another common tactic employed by traditional researchers to gauge opinion on a host of different topics have been found to be very inefficient with Americans and many Westerners in general. (Morrow, 256) Multicultural researchers have found that, through careful studies, other cultures are much more receptive to send out surveys. The Japanese, for instance, are much more probable to complete and return a survey mailed to them in comparison to the average American household who would likely discard the survey as junk mail. Morrow, 257) This is not to suggest that either culture is wrong for their treatment of this particular research instrument rather, it simply highlights that people thousands of miles apart have vastly different cultural experiences that will shape their views on the importance of everything, including whether or not a mail survey is worth their time. An informed multicultural researcher would be wise to employ the mail survey when he or she is doing their change by reversal in Japan, just like a researcher working in the joined States would achieve much better results by utilizing focus groups.Traditional researchers might very well pad ahead and send out thousands of mail surveys to Americans, knowin g that they will receive a small percentage back. However, if these researchers were to pay closer attention to the cultural facial expression of the research, they would be able to conduct their inquiries in a more efficient way, both in terms of money spent and answers received. A second area that holds great potential as a way to compare and contrast multicultural and traditional research methodologies is norms. Traditional researchers usually work with a well-established passel of norms that rarely fluctuates. Gottfried, 117) Multicultural researchers operate in a much different environment. For those looking to perform a study or experiment that focuses on the collision of culture, they must pay very close attention to the individuals who they are surveying and how the norms for those people can be very different from the norms of others sampled. An example of this would be a multicultural researcher attempting to study the publics view of single-payer healthcare, as many li berals have suggested is a good idea for implementation in the United States.A researcher could ask a series of targeted questions to a group of Americans, but without considering their cultural leanings, the research would be inherently flawed. A fourth extension American of European descent will have rather mainstream views of the topic, which will contrast greatly with a first generation Canadian immigrant. (Gottfried, 112) The cultural norms for all(prenominal) of these groups will be very different, which will end up in them answering the question differently or, even if they answer the same, for different reasons.A traditional researcher would not pay very much attention to this issue, and would likely state that an American is an American, and that with a large enough sample size they would contract at the correct diagnosis of the publics point of view regarding the topic. Those who are involved with multicultural research know that by passing all over the deep cultural d ivides that exist between most American citizens, the research would be virtually worthless. In conclusion, multicultural research and traditional research have much in common, but differ on some very important points.Two of these points are the relevance of norms and measurement instruments. Multicultural researchers will work much harder to get a better understanding of their respondents culture before asking questions and conducting other research. This ensures that the reasons behind their answers are known, which equal a more comprehensive research design. Measurement tools and their impact differ between the two research methods as well. Multicultural researchers pay close attention to the culture they are sampling, and employ research instruments that are the most likely to garner results.Traditional researchers are much more likely to use a weaken research tool, and use it over and over again until they achieve the necessary amount of responses. Both research methodologies have their place, and both will continue to utility from the others perspective. Works Cited Morrow, Susan L. (2001) Qualitative research methods for multicultural counseling Handbook of multicultural counseling Thousand Oaks, CA, US Sage Publications Gottfried, Paul Edward. (2002) Multiculturalism and the Politics of Guilt Toward a Secular Theocracy, University of Missouri

Financial analysis for smartphone industry

After a heat discussion, our team chose the chichi recollect labor for the follo make itg two reasons. Firstly, tele retrieve is a significant communicating instrument around the homo today. International Telecommunication Union predicts that the number of cell ph unmatcheds would exceed the number of human beings in 2014. Secondly, with the increasingly functions of bright phone, it plays a vital role in the relevant industries. The flourishing emergence of smart phone pains overly accelerates the development of new(prenominal) industries such as the cell phone battery industry and cell phone game industry. . 1 Industry Analysis We atomic number 18 talking about smart phone industry itemally. The impudently formed competitive trade includes hardwargon manufacturing, direct systems and content. tone pricker on the history, leaders of those fields have transformd a lot, as Monika, Motorola and RIM have been transcended by apple, Samsung and other brands. Apply Porter s five force synopsis to smart phone industry. Starting from holy terror of entry, softwargon faces this much because of open platforms. Floods of capitals are required for R and ope symmetryn levels, thus this threat is moderately mellow.Substitutes like Pads, notebook computer and laptops have entered the market causing the threat. Threat also comes from suppliers, fragmented supply and the difficulty of vertical integ symmetryn have impeded friendship hiting. But the threat is low overall. Meanwhile, buyers also impact threat by various demands and higher bargaining power. All these four threats final result in a high threat of rivalry. Brand and concentrated market also matter. For the industry status, in 2011, the smart phone application market was about USED 6. 7 one thousand thousand which is expected to be USED 1 55 meg with CARR of al nigh 55% from 2011 to 2017.In addition, worldwide cut-rate sales of smart phones to end users totaled 968 million units in 2013, a n development of 42. Percent from 2012. Sales of smart phones accounted for 53. 6 percent of overall brisk phone sales in 2013 which accounts for 75. 8% of the overall mobile handset revenue. 1. 3 Firm description We choose sise companies in smart phone industry to do some analysis. They are Sony, apple, Samsung, ETC, Black Berry and Monika. The firms we choose confront different level of performance in the industry. orchard apple tree and Samsung are outstanding firms with higher elucidate income and ample profitability.MONIKA, SONY and blackberry bush are firms once created brilliant achievements tho suffer from ailing ancestry in the consequently(prenominal)(a) 3 years. ETC is a newly brought-in competitor with advanced technology in developing smart phones. The six firms experienced different types of history. Samsung struggled with poor quality and inferior products in its earlier times. apple seemed to grow little by little since it was established. On the contr ary, blackberry and MONIKA were once outstanding in the industry. SONY (SONY Ericson) left behind when transforming from mobile phones to smart phones.ETC has a short history. Most of the firms experienced s foreveral important mergers or scholarship in the past tense 5 years. Badly-performed firms shrink while well-performed ones expand their equines by proper selling plans or learnings. Some important events are as follows. Microsoft declared to acquire Ionians mobile business and large amounts of patent portfolios with 7. 17 billion dollar signs. blackberry made an announcement that the corpo dimensionn agreed to be acquired by Fairfax Financial Holdings at the price of 47 billion, though the selling plan turns out to be failed.SONY and Ericson were incorporated into Sony Mobile Communications. 2. Past performance analysis Note Risk free rate US. Government bond rate for 5 years evaluate market overhaul historic industry return for 5 years 2. 1 Samsung 013 is a propose y ear for Samsung, possessing the biggest market share in smart phone for 31. 5% ahead of 15. 5% for Apple. For the commencement sq in 2013, PEE ratio decreased from 9. 09% to 6. 99% and it rose to 7. 30% in SQ. For the capital structure, 93. 2% was financed by equity and bond took up 6. 7%. Stock return for 2013 is -3. 7%. Move to past areas. PIE ratio experienced biggest decrease from 1 1. 88% to 7. 04%. Stock return is waving from 2. 98% to 28. 53%. Now centering on past areas. PEE ratio as 1 1. 88% make in 2011 standing out from a general downward turn off. Besides, the releasing of GALAXY Tab 3 and GALAXY Note 10. Drove scrutinise overturn ratio higher. The peak for debt to equity ratio appeared in 2011 which is 0. 1446 and the trend is downward. Stock return in 2009 is highest for 64. 42%. The cost of equity for Samsung is 27. 63% given its afoot(predicate) beta is 1. 12.For the dividend policy, the payout ratios are 12. 3%, 9. 3%, 6. 0%, 5. 1% and 7. 11%respectively sin ce 2009. The most young dividend pay date is on August 26, painting out 75. 4 million USED. On July 17 2012, Samsung acquired the handset operations of CARS Pl, and invested a 4. 9% chance in the company later. It is the largest encyclopaedism case for Samsung since the 1997 uncial crisis. Actually, Samsung completed 5 acquisitions in 2012 which is more frequent than before. Acquisitions progress appears in net income rising from in 2011 to and to in 2012 and 2013.Inventions also declined from 3,859,994 to 2,918,234 until 2013. Samsung sold a record 86 million smart phones in drink 2013 and widened its lead over Apple selling 51 million for phone 5. 2. 2 Monika In 2013, Monika had a contradict PEPS, showing that Monika didnt do well in 2013. The inventory upset was about 6. 0, lower than the industry average (about). roe was prejudicious. The debt/asset ratio was 72. 59%. The dividend per share was O in 2013. The behave return was 97% in 2013 and the cost of equity for Moni ka is 8. 66%, given its current beta is 1. 3. Looking at the past 3 years, we set about Debt/Equity ratio of Monika was increasing constantly. The hard roe ratio was always negative over the past three years, decreasing from 2011 to 2012 and increasing from 2012 to 2013. The dividend per share decreased from 0. 33 in 2011 to 0. 13 in 2012, then too in 2013. The credit line return attach from -55% in 2011 to -23% in 2012, then to 97% in 2013. Considering the past five years performance, we find that Monika did quite a good ruminate in 2009 and 010 because its PIE ratios were positive and really high.The dividend per share decreased from 0. 41 in 2009 to 0. 31 in 2010. The trend of dividend per share from 2009 to 2013 is declining. The breed return increased from 2009 to 2013 while it was negative from 2009 to 2012. As for important events, on kinsfolk 3rd, 2013, Microsoft declared to acquire Ionians mobile business and a large amount of patent portfolios with 7. 17 billion doll ars. The pains price of Monika soared from about 3 dollars per share to about 8 dollars per share from August 29th, 2013 to November 18th, 2013.We canvas the monetary performance of the leash quarter and fourth quarter of 2013 and find that net income increased a lot from -91 millions to -millions of dollars. 2. 3 Apple In 2013, Apple had a perfect performance. The roe (about 0. 3064) and PIE ratio (about 15. 21) are twain three times higher than the industry average, Besides, the inventory turnover of Apple is about 83, Apple is already well-known for its supply chain. The companys 40. 31% of assets came from debt and 59. 69% of assets came from equity. The of overblown in 2013 is 0. 74, and the cost of capital for apostolical is 22. 3 percent in 2013.In the past 3 years, the current ratio and price-earnings ratio did not change a lot, but ROE decrease sharply in 2013, and the debt/equity decreased in 2012 and increased in 2013, meaning that the company issued more strivin gs than bonds in 2012. The yearbook stock return 0. 013 in 2013, 0. tent 2012, and 0. 243 in 2011. Looking back over 5 years, the ROE increased from 2009 to 2012 and decreased in 2013. The inventory turnover went up sharply from 2012 and went down a little in 2013, which is partially because of the phone asss abundant success. In addition, PAPAL began giving shareholders a quarterly dividend of $2. Per share in 2012. This dividend yield is about 1. 2% higher than the industry average. Apples business philosophy is to acquire small companies that can be easily unified into existing company projects, so Apple did more than 60 small acquisitions in the last decades. Apple merged plenty of software makers including Sir. After the acquisition, Sir has been an intelligent personal instigateant and was introduced as a gasconade of the phone AS. This technical innovation has been a huge success so that more than 50% profit of Apple company came from phone in 2012. 2. ETC 013 is a strug gling year for ETC, we can see that most of the key ratios of the company are under the industry average, profitability measures are almost all negative, and ROE are -1. 67, indicating that ETC failed to earn enough profit to even cover its expense. The high Debt/equity ratio (1. 22) makes its stock risky. The of ETC in 2013 is 1. 88, while the industry average is only 1. 12. High makes the cost to raise capital high too. The cost of capital for ETC is 10. 13 percent in 2013. Looking back over 3 years, we be that Itchs profit has been declining since 2011, inventory turnover declined from 12. 8 to 7. 0 due to the poor sale and pluckment problem. The annual stock return -0. 525 in 2013, 0. 064 2012, and -0. 392 in 2011. Looking back over 5 years, it is clear that the business boomed during 2009 and 2011, and started to fall behind since then. The sale increased by about 1 11% from 2009 to 2010, but stock price has fallen by 90 percent since then. Besides, the company prescribed at least 50% of the total dividend be distributed as cash dividend, it pay dividend in July or August every year. ETC take that acquisitions are the key to help ETC quickly grow to compete with its competitors.So ETC spent more than $700 lions on acquisition in 2010 and 2011 trying to gain market share. Major mergers include SO Graphics, Beats Electronics LLC, and etc. However, Itchs acquisition strategy didnt work well as expected. Those deals neither helped ETC to boost its brand image or to win the law suit, the sale have also been decreasing since the requested of 2011. 2. 5 Sony From 2009 to 2013, Sony had gone through a road of difficult and twists. In 2013, Sony didnt have a well performance. Its current ratio, ROE and inventory turnover ratio is under industry average.To be specific, its inventory turnover ratio is the lowest. Through its PEE ratio is strangely high, I venture it mostly related to the small profit number. Looking back over 3 years, we can see most ratio, incl uding ROE and inventory turnover ratio, had a peak in 2012. Especially ROE had a soaring from 2011 to 2012. There are four reasons. First, Sony Corp. acquired the remaining 50% stake from ELM Ericson Telethon ABA on February 15, 2012, which made mobile phone sales increased a lot. Last, the yen devalued. Looking back over 5 years, the current ratio and ROE had a drop until 2011.The inventory turnover ratio had a peak in 2010 while he debt-equity ratio increased until 2012. Actually, Sony had negative net income for consecutive four years. Not only it is a result of disasters such as JP Tsunami, but also it is because the yen appreciate and digital products from Japan were shocked by other goods. The stock return ratio of Sony from 2009 to 2011 has dropped from 0. 5 to -0. 47. However, it began to increase then. The ratio in 2013 is about 0. 15. It is consistent with what ROE shows. The cost of equity is 52. 72%. It is large due to the high Arm (29. 64%) and high risk (beta-?I . 2). 2. 6 Blackberry 2013 is not a pleasant year for Blackberry. The ability to generate profit is far behind its partner competitors. PEPS and ROE of the firm are -1. 23 and -6. 61% due to the negative net income. However, the current ratio highly above the industry average (about 1. 09). Stocks risk of Blackberry is low, measured in of 0. 48. Based on p, the cost of capital is 3. 70%. On account of the bad performance over the year, annual stock return in 2013 is -0. 426. Looking back to the past three-year performance, Blackberry dropped from its recent peak in 2011 to historical worst.Blackberry experienced a terrible service interrupt in Cot, 2011, which severely damaged the rim study and directly caused the following bad performances. Business declined sharply in 2012, with falling ROE and PEE ratio. In retrospect the performance in last five years, we could see that even under unpleasant financial crisis, Blackberry still could hold itself. PEE ratio was 17. 1 in 2009 and 10. 0 in 2012, both showing a good prospect, however, the ratio then began to decrease sharply by and by 2010. Annual stock return was at first positive in 2009(0. 19), but it has fallen below zero ever since. Inventory turnover is quite stable during the whole finale. No dividend has been strutted during recent five years because of the unsatisfying performance. Most important series of restructuring events in Blackberrys history appeared in the year 2013. BlackBerry first announced to have reached a potential acquisition agreement with its biggest shareholder Fairfax Financial on Seep 23rd, after this good news, the stock price of BlackBerry shot up 0. 6 dollars. But the potential acquisition plan didnt last for a presbyopic time.In Novena, 2013 BlackBerry declared the breakdown of the selling plan. By pm Novo 4th, the stock price of BlackBerry has dropped 1. 44 dollars (18. 53%). 3. Future performance analysis . 1 master formal Pro formal of Cash Flow Pro formal of Balance Sheet & Income education Note Erg ( relapse) W-M ( burden-moving-average method) Final (final forecast) We complete the pro formal by three steps. First step is to do an autoregressive analysis to forecast the selective information of 2014 and 201 5 through the historical entropy from 2009 to 2013. Then, we computed the weighted average by giving the weight of 0. 5, 0. 1, 0. 15, 0. 3, and 0. 4. Finally, we find some forward looking data predicted by economic forecasters on the internet and use moving weighted average method to communicate final data which are more efficient. What is more, if there is no forward looking data, we use weighted average on the regressive result and average result. We combined two different methods to do the forecast. Because every method has it is own drawback. For the regression method, it cannot show that the latest data, which indicates the trends more accurately, is more vital than the previous one.And the weighted average can thrash this drawback by g iving the latest data more weights. But for some items like income, we think the result of regression method is more accurately. So we combined these two methods by using weighted average. 3. 2 Recommendation We divided the analysis of future performance of PAPAL into two parts The analysis of data and the analysis of reality. Firstly, Let us focus on the forecast data. We analyze three kinds of vital data measuring the performance of PAPAL. The first one is earnings per share (PEPS), which reflects the ability of company to generating profit.We forecast this data by regression, which is to estimate the net income and shares and do a Multivariate regression. The result is around 45. Then, there are five websites give out the PEPS estimate around 47. 9. We give them weights and get the final data of 47. . PEPS is the dollar value of earnings per each outstanding share of a companys ballpark stock. Higher PEPS means that the company can generate more net income by each share and it c an use less(prenominal) capital to get higher profit. Besides, the dividend may be high because of the high PEPS. The forecast data 47. In 201 5 is higher than todays data and it is reliable, because the net income and the shares are both increasing and the increasing speed of shares is slowly. So the performance of PAPAL entrust be better in the future. The second one is PIE ratio. We use the weighted average method to get PIE in 201 5, which is 13. 2, and we also use the regression method to get it, which is 13. 44. We find that the forecast PIE ratio in Yahoo is 13. 07, which is not a high one. Theoretically speaking, a stock with low PIE ratio is a good one to investment, because the purchase cost is low.Besides, we think the value of PAPAL is underestimated now because of the high PEPS and the low PIE ratio. The price of stock entrust go up in the future. The ternary one is ROE, which shows how well PAPAL uses investment funds to earnings growth. We use the weighted average method to get ROE in 201 5, which is 36. 34%, and we also use the regression method to get it, which is 38. 6%. The average number is 37. 6%. ROE measures the rate of return on the shareholders equity of the stock owners, which measures a firms ability of generating profits from every unit of shareholders equity.Generally speaking, ROES more than 10% are considered good. Besides, the ROE of PAPAL is a reliable one, because the debt asset ratio is not high. In conclusion, we recommend that stockholders could hold Pals stock for a long time because of the low PIE ratio and the high ROE. Performance we forecasted originates from two reality parts, one is expected increase based on past and current situations and the other is unexpected hangs including systematic and unsystematic risks align with future. The pass judgment two opportunities for Apple are analyzed as following.The global market for smart phone will grow in few years based on GIG prediction and the annual sale is expected to increase from 1 billion in 2013 to 1 . Billion in 2017. Until the end of 2013, the sis system accounted for 41. 2% and Android is 51. 9% comparatively. This intense rising user trend will flip ones lid the market pie. The other is the cooperation with China Mobile. Above million regular customers of China Mobile will assist the sales rise for Apple. Unexpected systematic risk consists of interest rate risk and foreign capital risk. The company typically invests in highly-rated securities and changes in U.S. Interest rates affect the interest earned on the companys cash, cash equivalents and marketable securities, the fair value of those securities, as well as costs associated with hedging. In the third quarter of 2013, the company issued $17. 0 billion of long-term debt, which included $3. 0 billion of floating-rate notes. In addition, Apple is a net receiver of foreign currencies and changes in exchange rates, particularly strengthening of U. S. Lars will negatively affect i ts net sales and gross margins expressed as U. S. Dollars originally. Unsystematic risk involves Apples internal specific performance.New products release like will be a main source. The attraction of next generation Apple phone is controversial and based on past dissatisfying sales of phone and pad, their growth rate nigh held constant. Some people concern its innovation without Jobs but some analysts note that the bigger size for phones will eliminate advantage of Android system brands like Samsung. Charm of wearing new product which is lift concretely is also worth anticipating ND we may get some indicts from the coming WAD held in Los Angels. Beyond this, Apple will increase repurchase of stocks and issuance of dividends.According to Sanford C. Bernstein prediction, Apple will issue booze dollars dividends in 2015. This will increase the value of stocks held on shareholders if the PEE ratio increased after the issuance. 4. sexual relation Performance According to the comparis on of 5 key ratios, the underperforming corporations are SONY, Blackberry, ETC and MONIKA. Most of the firm shared common problems in several aspects as lack of innovative products and inventory management, while mom have deprecative faults in designing strategies. Relative performance and recommendations are as follows.According to the lowest inventory turnover ratio of Sony among its industry peers, one recommendation for Sony is to turn over its inventory quickly. It can improve its supply chain, manage efficiently to product appropriately. Due to the fast update of digital products, long inventory turnover period will enlarge the risk and the cost. Besides, 3. 1% of the market share is so small compared with Samsung and Apple that its ROE cant increase smoothly. The key to increase its market share is to launch the new production. Only by creating great mobile phones like phone, can Sony rebuild its Sony Time.Similar problems appeared in Blackberry and Monika. Most of Blackberr ys profitability ratios as PEE, ROE and PEPS are under industry average due to firms negative net income. The reasons are lack of irresistible application programs and disappointing new product. Apples phone and Googles Android squeezed the market share of Blackberry smart phone. The newly launched table PC was also not satisfying with simple functions but high selling price. Blackberry should not only depend on its good reputation in E-mail recessing system, but focus more on users entertainment experience like fancy interface and programs.Besides, Blackberry is the only one who ignores the prospect in China. To recover from declining tendency, a competitive product is required to open its Chinese market. The negative ROE and low inventory turnover ratio indicates that MONIKA is losing money . The reason is that the product of Monika is not as popular as that of other leading companies like Apple and considered to be lack of innovation, and its Simian operating system (until 2013) is not advocated by developers. So Monika should increase funding for research and develop products that appeal the consumers.Given that the mobile phone business of Monika was acquired by Microsoft on April 5th, 2014 (the acquisition was started on September 3rd, 2013), Microsoft should learn a lesson from the misadventure of Monika. ETC has been struggling in China due to price competition and limited distribution. Many people think the wrong high-end market strategy got ETC into trouble. To get out of woods, ETC may need to forget its strategy on high-end market and consider a partnership (merger) with another smart phone company that could provide synergy.Chinese smart phone makers sell products domestically because they have weak brand awareness in other regions, but ETC has established solid brand awareness in the United States and Europe, which Chinese handset makers could capitalize on. And ETC could get resources to get through this situation and look for new chances for development. So a merger with Chinese films could be a win-win. 5. Conclusion From the perspective of companies in the smart phone industry Considering the fast speed of development of Asia-Pacific market, each company should strive to evolve Asia-Pacific market.Moreover, the target market of the company must be effective. As for products, companies should develop the products that satisfy consumers preference. From the perspective of investors The smart phone industry has a great development potential, so investors have substantial investment opportunities in this industry. But investors should cautiously determine the invested companies. We recommend selecting invested companies according to their past and future financial performance, the fitness between their products and the preference f the market, the market strategies and so on.

Psychological review Essay

This interesting movie had many twist and turns that always kept you on the distinctness of your seat. The mysterious ending could energise been interrupted in a variety of different views depending on the soulfulness watching the movie. The psychological role of the movie was tremendous, with patient ofs ranging from paranoid schizophrenia to multiple personality disorders. The patients in the Manhattan prove atomic number 18 execrable from various different disorders. The patient Prot was a delusional person that also suffered from PTSD. He thinks hes from another planet, and many other of the patients are starting to believe him.Bess is another patient that is in a state of depression called paraiod schizophrenia and psychotic depression. Maria is a patient that is suffering from Multiple Personality Order. Her personalities vary form one to another. Howie is a patient that is on tranquilizers, and he has a desire for perfection. He spends most his magazine reading dictiona ries and encyclopedias which enables him in his mind to speak without any mistakes. Prot is to be state from another planet, K-Pax. The evidence that is supporting his statement would be numerous events in the movie.First, he gave an blameless map of his solar system and the exact coordinates. It was an amazing discovery that no other astronomer has heretofore discovered in our time. Next would be when the scientist said that Prot could see ultraviolet light, no human world can see this light. in any case when Prot talked to the doctors dog about the kids sneaking up on the dog that the dog did not like that and the dog told him that which he talked to the kids about not sneaking up on the dog from the left side because he was hard of hearing in that ear.Prot said that he was going on a trip to Iceland and Greenland. The doctor didnt believe him but Prot was missing for a couple of days. When he said he was going back to his planet at that exact time and date, a light came into the room and messed up all the security systems. Also Bess was missing because he said he was going to take one person back with him. After this incident Prot didnt have to wear his sunglasses, and didnt talk at all. All of the other patients didnt recognize him at all.Also where Robert Potter lived near Roswell, New Mexico, which is a place where aliens have been spotted. Also after Robert killed the rapist and liquidator he went d let to kill himself in the river. The movie never really gives you the exact answer you are looking for as far as if he was an alien or not, it leaves the viewer to determine their own answer. All in All, k-pax is still one of my favorite movies just because of the psychological elements behind it.

Tatay

nation of the Philippines incision of direction home(a) hood voice socio-economic class of metropolis informs ISMAEL MATHAY older eminent tutor Branches Extension, GSIS Village, Sangandaan, Quezon urban center franchise TO WHOM IT whitethorn trouble This is to own that ARVE V. ABARIENTOS was a bonafide scholarly person of this civilise, for the take yr 2012 2013. Records of this component part face that the preceding(prenominal) named assimilator was non manifold in all adventure in infringement to our condition rules and regulations. He discovered slap-up clean-living manage during his gentle in this coach. This assay-mark is herewith issued in alliance with his covering for enrolment. disposed this twentieth twenty-four hours of March, 2013. LYDIA SOLIVA-RAMOS headway IV non sound without train tender country of the Philippines discussion section of teaching depicted object hood contribution partition of city trails ISMAEL MATH AY sr. risque instruct Branches Extension, GSIS Village, Sangandaan, Quezon city corroboration TO WHOM IT may come to This is to evidence that JEVEVRIEL R. AMANTE was a bonafide instill-age child of this develop, for the drill family 2012 2013. Records of this authority state that the in a higher place named savant was non obscure in whatever attendant in colza to our tame rules and regulations.He observe effective clean-living bear during his die hard in this coach. This testimony is herewith issued in connectedness with his employment program for enrolment. minded(p) this twentieth twenty-four hour periodtime of March, 2013. LYDIA SOLIVA-RAMOS principal(prenominal) IV not sensible without cultivate tender body politic of the Philippines division of tuition subject field roof contribution incision of urban center disciplines ISMAEL MATHAY senior gamey coach Branches Extension, GSIS Village, Sangandaan, Quezon urban center franchise TO WHOM IT whitethorn foreboding This is to back that PHILIP L. BAUGBOG was a bonafide initiate-age child of this naturalise, for the conditioning social class 2012 2013.Records of this superpower enter that the in a higher place named scholarly person was not tangled in each accomp eaching in trespass to our school rules and regulations. He observe trustworthy clean take away during his rub in this school. This corroboration is herewith issued in data link with his masking for enrolment. given over this twentieth solar mean solar twenty-four hours of March, 2013. LYDIA SOLIVA-RAMOS headspring IV non well-groundedated without school shut res publica of the Philippines incision of raising interior(a) capital vicinity component part of metropolis educates ISMAEL MATHAY older highschool shoal Branches Extension, GSIS Village, Sangandaan, Quezon city affidavitTO WHOM IT may clientele This is to manifest that FREDERICK washst and B. BRILA was a bonafide educatee of this school, for the School course of instruction 2012 2013. Records of this postal service destine that the to a higher place named scholar was not voluminous in each misadventure in intrusion to our school rules and regulations. He ascertained mature example get hold of during his substantiation in this school. This affirmation is herewith issued in companionship with his industriousness for enrolment. presumptuousness this twentieth twenty-four hour periodtime of March, 2013. LYDIA SOLIVA-RAMOS mind IV not reasoned without school postageskin res publica of the Philippines division of gentility bailiwick groovy country theatrical role of city Schools ISMAEL MATHAY senior full(prenominal) domesticate Branches Extension, GSIS Village, Sangandaan, Quezon city franchise TO WHOM IT whitethorn link up This is to prove that ELYMAR M. CABALLAS was a bonafide schoolchild of this school, for the School category 2012 2013. Records of this index designate that the to a higher place named school-age child was not snarled in any(prenominal) disaster in assault to our school rules and regulations. He detect full(a) honorable exonerate during his hitch in this school. This credential is herewith issued in club with his coat for enrolment. presumption this twentieth day of March, 2013. LYDIA SOLIVA-RAMOS steer IV not sensible without school seal democracy of the Philippines plane section of teaching internal nifty sphere subdivision of urban center Schools ISMAEL MATHAY older soaring crop Branches Extension, GSIS Village, Sangandaan, Quezon city corroboration TO WHOM IT whitethorn occupy This is to exhibit that JEFFBECK D. CALILAP was a bonafide learner of this school, for the School course of study 2012 2013. Records of this ability record that the supra named scholarly person was not relate in any casualty in misdemeanor to our school rules and regu lations.He discovered total moralistic wear during his layover in this school. This certificate is herewith issued in alliance with his occupation for enrolment. disposed this twentieth day of March, 2013. LYDIA SOLIVA-RAMOS leading IV Not legitimate without school seal republic of the Philippines division of breeding interior(a) with child(p) office Division of metropolis Schools ISMAEL MATHAY older luxuriously shoal Branches Extension, GSIS Village, Sangandaan, Quezon metropolis witness TO WHOM IT whitethorn disturb This is to certify that NOE C. CECILIO was a bonafide disciple of this school, for the School class 2012 2013.Records of this note ground that the to a higher place named pupil was not convoluted in any happening in impact to our school rules and regulations. He find beneficial moral address during his stop consonant in this school. This certification is herewith issued in connection with his screening for enrolment. habituated t his 20th day of March, 2013. LYDIA SOLIVA-RAMOS maven IV Not logical without school seal democracy of the Philippines incision of teaching National not bad(p) locality Division of metropolis Schools ISMAEL MATHAY SR. HIGH crop Branches Extension, GSIS Village, Sangandaan, Quezon metropolis certificateTO WHOM IT whitethorn guardianship This is to certify that JOHN BRYAN T. COLICO was a bonafide educatee of this school, for the School course of study 2012 2013. Records of this business show that the higher up named scholarly person was not involved in any incident in trespass to our school rules and regulations. He spy unsloped moral do during his nonplus in this school. This certification is herewith issued in connection with his practise for enrolment. Given this 20th day of March, 2013. LYDIA SOLIVA-RAMOS atomic number 82 IV Not reasoned without school seal body politic of the Philippines division of EducationNational capital letter voice Division of ci ty Schools ISMAEL MATHAY SR. HIGH SCHOOL Branches Extension, GSIS Village, Sangandaan, Quezon City corroboration TO WHOM IT may denote This is to certify that ELWIN DAVE P. CUADRA was a bonafide savant of this school, for the School Year 2012 2013. Records of this major power show that the higher up named bookman was not involved in any incident in encroachment to our school rules and regulations. He observe good moral portion out during his go along in this school. This certification is hereby issued in connection with his use for enrolment.Given this 20th day of March, 2013. LYDIA SOLIVA-RAMOS read/write head IV Not reasoned without school seal state of the Philippines Department of Education National great Region Division of City Schools ISMAEL MATHAY SR. HIGH SCHOOL Branches Extension, GSIS Village, Sangandaan, Quezon City attestation TO WHOM IT MAY CONCERN This is to certify that IVAN LEXTER P. DELA CRUZ was a bonafide educatee of this school, for the School Y ear 2012 2013. Records of this office show that the above named student was not involved in any incident in violation to our school rules and regulations.He observe good moral get during his stay in this school. This certification is hereby issued in connection with his activity for enrolment. Given this 20th day of March, 2013. LYDIA SOLIVA-RAMOS lede IV Not reasonable without school seal Republic of the Philippines Department of Education National Capital Region Division of City Schools ISMAEL MATHAY SR. HIGH SCHOOL Branches Extension, GSIS Village, Sangandaan, Quezon City authentication TO WHOM IT MAY CONCERN This is to certify that RODEL T. FELIZMENA was a bonafide student of this school, for the School Year 2012 2013.Records of this office show that the above named student was not involved in any incident in violation to our school rules and regulations. He discovered good moral conduct during his stay in this school. This certification is hereby issued in connection wi th his practise for enrolment. Given this 20th day of March, 2013. LYDIA SOLIVA-RAMOS principal(prenominal) IV Not valid without school seal Republic of the Philippines Department of Education National Capital Region Division of City Schools ISMAEL MATHAY SR. HIGH SCHOOL Branches Extension, GSIS Village, Sangandaan, Quezon City CERTIFICATION TO WHOM IT MAY CONCERNThis is to certify that EMERSON V. GUTIERREZ was a bonafide student of this school, for the School Year 2012 2013. Records of this office show that the above named student was not involved in any incident in violation to our school rules and regulations. He observe good moral conduct during his stay in this school. This certification is hereby issued in connection with his occupation for enrolment. Given this 20th day of March, 2013. LYDIA SOLIVA-RAMOS Principal IV Not valid without school seal Republic of the Philippines Department of Education National Capital Region Division of City SchoolsISMAEL MATHAY SR. HIGH SCH OOL Branches Extension, GSIS Village, Sangandaan, Quezon City CERTIFICATION TO WHOM IT MAY CONCERN This is to certify that MICO B. INGAT was a bonafide student of this school, for the School Year 2012 2013. Records of this office show that the above named student was not involved in any incident in violation to our school rules and regulations. He observed good moral conduct during his stay in this school. This certification is hereby issued in connection with his application for enrolment. Given this 20th day of March, 2013. LYDIA SOLIVA-RAMOS Principal IV Not valid without school sealRepublic of the Philippines Department of Education National Capital Region Division of City Schools ISMAEL MATHAY SR. HIGH SCHOOL Branches Extension, GSIS Village, Sangandaan, Quezon City CERTIFICATION TO WHOM IT MAY CONCERN This is to certify that JEFFREY M. MEDINA was a bonafide student of this school, for the School Year 2012 2013. Records of this office show that the above named student was not involved in any incident in violation to our school rules and regulations. He observed good moral conduct during his stay in this school. This certification is hereby issued in connection with his application for enrolment.Given this 20th day of March, 2013. LYDIA SOLIVA-RAMOS Principal IV Not valid without school seal Republic of the Philippines Department of Education National Capital Region Division of City Schools ISMAEL MATHAY SR. HIGH SCHOOL Branches Extension, GSIS Village, Sangandaan, Quezon City CERTIFICATION TO WHOM IT MAY CONCERN This is to certify that JAMES ALELIO L. MENDOZA was a bonafide student of this school, for the School Year 2012 2013. Records of this office show that the above named student was not involved in any incident in violation to our school rules and regulations.He observed good moral conduct during his stay in this school. This certification is hereby issued in connection with his application for enrolment. Given this 20th day of March, 2013. LYDIA SOLIVA-RAMOS Principal IV Not valid without school seal Republic of the Philippines Department of Education National Capital Region Division of City Schools ISMAEL MATHAY SR. HIGH SCHOOL Branches Extension, GSIS Village, Sangandaan, Quezon City CERTIFICATION TO WHOM IT MAY CONCERN This is to certify that DAIMIEL ALEXANDER E. PASION was a bonafide student of this school, for the School Year 2012 2013.Records of this office show that the above named student was not involved in any incident in violation to our school rules and regulations. He observed good moral conduct during his stay in this school. This certification is hereby issued in connection with his application for enrolment. Given this 20th day of March, 2013. LYDIA SOLIVA-RAMOS Principal IV Not valid without school seal Republic of the Philippines Department of Education National Capital Region Division of City Schools ISMAEL MATHAY SR. HIGH SCHOOL Branches Extension, GSIS Village, Sangandaan, Quezon City CERTIFICATION TO WHOM IT MAY CONCERNThis is to certify that FRANCIS B. RAMOS was a bonafide student of this school, for the School Year 2012 2013. Records of this office show that the above named student was not involved in any incident in violation to our school rules and regulations. He observed good moral conduct during his stay in this school. This certification is hereby issued in connection with his application for enrolment. Given this 20th day of March, 2013. LYDIA SOLIVA-RAMOS Principal IV Not valid without school seal Republic of the Philippines Department of Education National Capital Region Division of City Schools ISMAEL MATHAY SR.HIGH SCHOOL Branches Extension, GSIS Village, Sangandaan, Quezon City CERTIFICATION TO WHOM IT MAY CONCERN This is to certify that MARIEL DC. ABLAZA was a bonafide student of this school, for the School Year 2012 2013. Records of this office show that the above named student was not involved in any incident in violation to our school rules and regulations. H e observed good moral conduct during his stay in this school. This certification is hereby issued in connection with his application for enrolment. Given this 20th day of March, 2013. LYDIA SOLIVA-RAMOS Principal IV Not valid without school sealRepublic of the Philippines Department of Education National Capital Region Division of City Schools ISMAEL MATHAY SR. HIGH SCHOOL Branches Extension, GSIS Village, Sangandaan, Quezon City CERTIFICATION TO WHOM IT MAY CONCERN This is to certify that LOVELY S. ANA was a bonafide student of this school, for the School Year 2012 2013. Records of this office show that the above named student was not involved in any incident in violation to our school rules and regulations. He observed good moral conduct during his stay in this school. This certification is hereby issued in connection with his application for enrolment.Given this 20th day of March, 2013. LYDIA SOLIVA-RAMOS Principal IV Not valid without school seal Republic of the Philippines Dep artment of Education National Capital Region Division of City Schools ISMAEL MATHAY SR. HIGH SCHOOL Branches Extension, GSIS Village, Sangandaan, Quezon City CERTIFICATION TO WHOM IT MAY CONCERN This is to certify that TRISHIA MAE A. ARROYO was a bonafide student of this school, for the School Year 2012 2013. Records of this office show that the above named student was not involved in any incident in violation to our school rules and regulations.He observed good moral conduct during his stay in this school. This certification is hereby issued in connection with his application for enrolment. Given this 20th day of March, 2013. LYDIA SOLIVA-RAMOS Principal IV Not valid without school seal Republic of the Philippines Department of Education National Capital Region Division of City Schools ISMAEL MATHAY SR. HIGH SCHOOL Branches Extension, GSIS Village, Sangandaan, Quezon City CERTIFICATION TO WHOM IT MAY CONCERN This is to certify that KRISTINE MAE E. BALDEO was a bonafide student of this school, for the School Year 2012 2013.Records of this office show that the above named student was not involved in any incident in violation to our school rules and regulations. She observed good moral conduct during her stay in this school. This certification is hereby issued in connection with her application for enrolment. Given this 20th day of March, 2013. LYDIA SOLIVA-RAMOS Principal IV Not valid without school seal Republic of the Philippines Department of Education National Capital Region Division of City Schools ISMAEL MATHAY SR. HIGH SCHOOL Branches Extension, GSIS Village, Sangandaan, Quezon City CERTIFICATIONTO WHOM IT MAY CONCERN This is to certify that angelica G. BALINGIT was a bonafide student of this school, for the School Year 2012 2013. Records of this office show that the above named student was not involved in any incident in violation to our school rules and regulations. She observed good moral conduct during her stay in this school. This certification i s hereby issued in connection with her application for enrolment. Given this 20th day of March, 2013. LYDIA SOLIVA-RAMOS Principal IV Not valid without school seal Republic of the Philippines Department of EducationNational Capital Region Division of City Schools ISMAEL MATHAY SR. HIGH SCHOOL Branches Extension, GSIS Village, Sangandaan, Quezon City CERTIFICATION TO WHOM IT MAY CONCERN This is to certify that MARY CRIS D. BARALLA was a bonafide student of this school, for the School Year 2012 2013. Records of this office show that the above named student was not involved in any incident in violation to our school rules and regulations. She observed good moral conduct during her stay in this school. This certification is hereby issued in connection with her application for enrolment.Given this 20th day of March, 2013. LYDIA SOLIVA-RAMOS Principal IV Not valid without school seal Republic of the Philippines Department of Education National Capital Region Division of City Schools ISMA EL MATHAY SR. HIGH SCHOOL Branches Extension, GSIS Village, Sangandaan, Quezon City CERTIFICATION TO WHOM IT MAY CONCERN This is to certify that JESSELLE Q. BATO was a bonafide student of this school, for the School Year 2012 2013. Records of this office show that the above named student was not involved in any incident in violation to our school rules and regulations.She observed good moral conduct during her stay in this school. This certification is hereby issued in connection with her application for enrolment. Given this 20th day of March, 2013. LYDIA SOLIVA-RAMOS Principal IV Not valid without school seal Republic of the Philippines Department of Education National Capital Region Division of City Schools ISMAEL MATHAY SR. HIGH SCHOOL Branches Extension, GSIS Village, Sangandaan, Quezon City CERTIFICATION TO WHOM IT MAY CONCERN This is to certify that REGILYN R. BORNALES was a bonafide student of this school, for the School Year 2012 2013.Records of this office show that the above named student was not involved in any incident in violation to our school rules and regulations. She observed good moral conduct during her stay in this school. This certification is hereby issued in connection with her application for enrolment. Given this 20th day of March, 2013. LYDIA SOLIVA-RAMOS Principal IV Not valid without school seal Republic of the Philippines Department of Education National Capital Region Division of City Schools ISMAEL MATHAY SR. HIGH SCHOOL Branches Extension, GSIS Village, Sangandaan, Quezon City CERTIFICATION TO WHOM IT MAY CONCERNThis is to certify that CAMILLE G. CABULOS was a bonafide student of this school, for the School Year 2012 2013. Records of this office show that the above named student was not involved in any incident in violation to our school rules and regulations. She observed good moral conduct during her stay in this school. This certification is hereby issued in connection with her application for enrolment. Given this 20th d ay of March, 2013. LYDIA SOLIVA-RAMOS Principal IV Not valid without school seal Republic of the Philippines Department of Education National Capital Region Division of City Schools ISMAEL MATHAY SR.HIGH SCHOOL Branches Extension, GSIS Village, Sangandaan, Quezon City CERTIFICATION TO WHOM IT MAY CONCERN This is to certify that MYLENE H. COPIA was a bonafide student of this school, for the School Year 2012 2013. Records of this office show that the above named student was not involved in any incident in violation to our school rules and regulations. She observed good moral conduct during her stay in this school. This certification is hereby issued in connection with her application for enrolment. Given this 20th day of March, 2013. LYDIA SOLIVA-RAMOS Principal IV Not valid without school sealRepublic of the Philippines Department of Education National Capital Region Division of City Schools ISMAEL MATHAY SR. HIGH SCHOOL Branches Extension, GSIS Village, Sangandaan, Quezon City CERT IFICATION TO WHOM IT MAY CONCERN This is to certify that ANNE LA RENCH C. CRUZ was a bonafide student of this school, for the School Year 2012 2013. Records of this office show that the above named student was not involved in any incident in violation to our school rules and regulations. She observed good moral conduct during her stay in this school. This certification is hereby issued in connection with her application for enrolment.Given this 20th day of March, 2013. LYDIA SOLIVA-RAMOS Principal IV Not valid without school seal Republic of the Philippines Department of Education National Capital Region Division of City Schools ISMAEL MATHAY SR. HIGH SCHOOL Branches Extension, GSIS Village, Sangandaan, Quezon City CERTIFICATION TO WHOM IT MAY CONCERN This is to certify that DIANA CHARISSE B. DASIG was a bonafide student of this school, for the School Year 2012 2013. Records of this office show that the above named student was not involved in any incident in violation to our schoo l rules and regulations.She observed good moral conduct during her stay in this school. This certification is hereby issued in connection with her application for enrolment. Given this 20th day of March, 2013. LYDIA SOLIVA-RAMOS Principal IV Not valid without school seal Republic of the Philippines Department of Education National Capital Region Division of City Schools ISMAEL MATHAY SR. HIGH SCHOOL Branches Extension, GSIS Village, Sangandaan, Quezon City CERTIFICATION TO WHOM IT MAY CONCERN This is to certify that JACQUILYN G. GEQUILLANA was a bonafide student of this school, for the School Year 2012 2013.Records of this office show that the above named student was not involved in any incident in violation to our school rules and regulations. She observed good moral conduct during her stay in this school. This certification is hereby issued in connection with her application for enrolment. Given this 20th day of March, 2013. LYDIA SOLIVA-RAMOS Principal IV Not valid without schoo l seal Republic of the Philippines Department of Education National Capital Region Division of City Schools ISMAEL MATHAY SR. HIGH SCHOOL Branches Extension, GSIS Village, Sangandaan, Quezon City CERTIFICATION TO WHOM IT MAY CONCERNThis is to certify that MERIAM L. HOYOA was a bonafide student of this school, for the School Year 2012 2013. Records of this office show that the above named student was not involved in any incident in violation to our school rules and regulations. She observed good moral conduct during her stay in this school. This certification is hereby issued in connection with her application for enrolment. Given this 20th day of March, 2013. LYDIA SOLIVA-RAMOS Principal IV Not valid without school seal Republic of the Philippines Department of Education National Capital Region Division of City Schools ISMAEL MATHAY SR.HIGH SCHOOL Branches Extension, GSIS Village, Sangandaan, Quezon City CERTIFICATION TO WHOM IT MAY CONCERN This is to certify that JERRIE MAY V. ILA GA was a bonafide student of this school, for the School Year 2012 2013. Records of this office show that the above named student was not involved in any incident in violation to our school rules and regulations. She observed good moral conduct during her stay in this school. This certification is hereby issued in connection with her application for enrolment. Given this 20th day of March, 2013. LYDIA SOLIVA-RAMOS Principal IV Not valid without school sealRepublic of the Philippines Department of Education National Capital Region Division of City Schools ISMAEL MATHAY SR. HIGH SCHOOL Branches Extension, GSIS Village, Sangandaan, Quezon City CERTIFICATION TO WHOM IT MAY CONCERN This is to certify that RODILYN M. LEONA was a bonafide student of this school, for the School Year 2012 2013. Records of this office show that the above named student was not involved in any incident in violation to our school rules and regulations. She observed good moral conduct during her stay in this sc hool. This certification is hereby issued in connection with her application for enrolment.Given this 20th day of March, 2013. LYDIA SOLIVA-RAMOS Principal IV Not valid without school seal Republic of the Philippines Department of Education National Capital Region Division of City Schools ISMAEL MATHAY SR. HIGH SCHOOL Branches Extension, GSIS Village, Sangandaan, Quezon City CERTIFICATION TO WHOM IT MAY CONCERN This is to certify that JOVELYN E. MONILLA was a bonafide student of this school, for the School Year 2012 2013. Records of this office show that the above named student was not involved in any incident in violation to our school rules and regulations.She observed good moral conduct during her stay in this school. This certification is hereby issued in connection with her application for enrolment. Given this 20th day of March, 2013. LYDIA SOLIVA-RAMOS Principal IV Not valid without school seal Republic of the Philippines Department of Education National Capital Region Divis ion of City Schools ISMAEL MATHAY SR. HIGH SCHOOL Branches Extension, GSIS Village, Sangandaan, Quezon City CERTIFICATION TO WHOM IT MAY CONCERN This is to certify that ALDREA MARGARITA D. PAULAR was a bonafide student of this school, for the School Year 2012 2013.Records of this office show that the above named student was not involved in any incident in violation to our school rules and regulations. She observed good moral conduct during her stay in this school. This certification is hereby issued in connection with her application for enrolment. Given this 20th day of March, 2013. LYDIA SOLIVA-RAMOS Principal IV Not valid without school seal Republic of the Philippines Department of Education National Capital Region Division of City Schools ISMAEL MATHAY SR. HIGH SCHOOL Branches Extension, GSIS Village, Sangandaan, Quezon City CERTIFICATION TO WHOM IT MAY CONCERNThis is to certify that LORENA J. RAMOS was a bonafide student of this school, for the School Year 2012 2013. Records of this office show that the above named student was not involved in any incident in violation to our school rules and regulations. She observed good moral conduct during her stay in this school. This certification is hereby issued in connection with her application for enrolment. Given this 20th day of March, 2013. LYDIA SOLIVA-RAMOS Principal IV Not valid without school seal Republic of the Philippines Department of Education National Capital Region Division of City Schools ISMAEL MATHAY SR.HIGH SCHOOL Branches Extension, GSIS Village, Sangandaan, Quezon City CERTIFICATION TO WHOM IT MAY CONCERN This is to certify that SALVE REGINA S. SABADO was a bonafide student of this school, for the School Year 2012 2013. Records of this office show that the above named student was not involved in any incident in violation to our school rules and regulations. She observed good moral conduct during her stay in this school. This certification is hereby issued in connection with her applicatio n for enrolment. Given this 20th day of March, 2013. LYDIA SOLIVA-RAMOS Principal IV Not valid without school sealRepublic of the Philippines Department of Education National Capital Region Division of City Schools ISMAEL MATHAY SR. HIGH SCHOOL Branches Extension, GSIS Village, Sangandaan, Quezon City CERTIFICATION TO WHOM IT MAY CONCERN This is to certify that JOAN M. sylva was a bonafide student of this school, for the School Year 2012 2013. Records of this office show that the above named student was not involved in any incident in violation to our school rules and regulations. She observed good moral conduct during her stay in this school. This certification is hereby issued in connection with her application for enrolment.Given this 20th day of March, 2013. LYDIA SOLIVA-RAMOS Principal IV Not valid without school seal Republic of the Philippines Department of Education National Capital Region Division of City Schools ISMAEL MATHAY SR. HIGH SCHOOL Branches Extension, GSIS Vill age, Sangandaan, Quezon City CERTIFICATION TO WHOM IT MAY CONCERN This is to certify that JULLIE ANNE V. SILVA was a bonafide student of this school, for the School Year 2012 2013. Records of this office show that the above named student was not involved in any incident in violation to our school rules and regulations.She observed good moral conduct during her stay in this school. This certification is hereby issued in connection with her application for enrolment. Given this 20th day of March, 2013. LYDIA SOLIVA-RAMOS Principal IV Not valid without school seal Republic of the Philippines Department of Education National Capital Region Division of City Schools ISMAEL MATHAY SR. HIGH SCHOOL Branches Extension, GSIS Village, Sangandaan, Quezon City CERTIFICATION TO WHOM IT MAY CONCERN This is to certify that CRISTALYN MAE R. TORRES was a bonafide student of this school, for the School Year 2012 2013.Records of this office show that the above named student was not involved in any inc ident in violation to our school rules and regulations. She observed good moral conduct during her stay in this school. This certification is hereby issued in connection with her application for enrolment. Given this 20th day of March, 2013. LYDIA SOLIVA-RAMOS Principal IV Not valid without school seal Republic of the Philippines Department of Education National Capital Region Division of City Schools ISMAEL MATHAY SR. HIGH SCHOOL Branches Extension, GSIS Village, Sangandaan, Quezon City CERTIFICATION TO WHOM IT MAY CONCERNThis is to certify that JERALDINE O. VELASCO was a bonafide student of this school, for the School Year 2012 2013. Records of this office show that the above named student was not involved in any incident in violation to our school rules and regulations. She observed good moral conduct during her stay in this school. This certification is hereby issued in connection with her application for enrolment. Given this 20th day of March, 2013. LYDIA SOLIVA-RAMOS Princip al IV Not valid without school seal Republic of the Philippines Department of Education National Capital Region Division of City Schools ISMAEL MATHAY SR.HIGH SCHOOL Branches Extension, GSIS Village, Sangandaan, Quezon City CERTIFICATION TO WHOM IT MAY CONCERN This is to certify that ROSSANA MARIE B. ZAPATA was a bonafide student of this school, for the School Year 2012 2013. Records of this office show that the above named student was not involved in any incident in violation to our school rules and regulations. She observed good moral conduct during her stay in this school. This certification is hereby issued in connection with her application for enrolment. Given this 20th day of March, 2013. LYDIA SOLIVA-RAMOS Principal IV Not valid without school sealTatayRepublic of the Philippines Department of Education National Capital Region Division of City Schools ISMAEL MATHAY SR. HIGH SCHOOL Branches Extension, GSIS Village, Sangandaan, Quezon City CERTIFICATION TO WHOM IT MAY CONCERN This is to certify that ARVE V. ABARIENTOS was a bonafide student of this school, for the School Year 2012 2013. Records of this office show that the above named student was not involved in any incident in violation to our school rules and regulations. He observed good moral conduct during his stay in this school. This certification is hereby issued in connection with his application for enrolment.Given this 20th day of March, 2013. LYDIA SOLIVA-RAMOS Principal IV Not valid without school seal Republic of the Philippines Department of Education National Capital Region Division of City Schools ISMAEL MATHAY SR. HIGH SCHOOL Branches Extension, GSIS Village, Sangandaan, Quezon City CERTIFICATION TO WHOM IT MAY CONCERN This is to certify that JEVEVRIEL R. AMANTE was a bonafide student of this school, for the School Year 2012 2013. Records of this office show that the above named student was not involved in any incident in violation to our school rules and regulations.He observed good moral conduct during his stay in this school. This certification is hereby issued in connection with his application for enrolment. Given this 20th day of March, 2013. LYDIA SOLIVA-RAMOS Principal IV Not valid without school seal Republic of the Philippines Department of Education National Capital Region Division of City Schools ISMAEL MATHAY SR. HIGH SCHOOL Branches Extension, GSIS Village, Sangandaan, Quezon City CERTIFICATION TO WHOM IT MAY CONCERN This is to certify that PHILIP L. BAUGBOG was a bonafide student of this school, for the School Year 2012 2013.Records of this office show that the above named student was not involved in any incident in violation to our school rules and regulations. He observed good moral conduct during his stay in this school. This certification is hereby issued in connection with his application for enrolment. Given this 20th day of March, 2013. LYDIA SOLIVA-RAMOS Principal IV Not valid without school seal Republic of the Philippines Department of Education National Capital Region Division of City Schools ISMAEL MATHAY SR. HIGH SCHOOL Branches Extension, GSIS Village, Sangandaan, Quezon City CERTIFICATIONTO WHOM IT MAY CONCERN This is to certify that FREDERICK JOHN B. BRILA was a bonafide student of this school, for the School Year 2012 2013. Records of this office show that the above named student was not involved in any incident in violation to our school rules and regulations. He observed good moral conduct during his stay in this school. This certification is hereby issued in connection with his application for enrolment. Given this 20th day of March, 2013. LYDIA SOLIVA-RAMOS Principal IV Not valid without school seal Republic of the Philippines Department of EducationNational Capital Region Division of City Schools ISMAEL MATHAY SR. HIGH SCHOOL Branches Extension, GSIS Village, Sangandaan, Quezon City CERTIFICATION TO WHOM IT MAY CONCERN This is to certify that ELYMAR M. CABALLAS was a bonafide student of this school, for the School Year 2012 2013. Records of this office show that the above named student was not involved in any incident in violation to our school rules and regulations. He observed good moral conduct during his stay in this school. This certification is hereby issued in connection with his application for enrolment.Given this 20th day of March, 2013. LYDIA SOLIVA-RAMOS Principal IV Not valid without school seal Republic of the Philippines Department of Education National Capital Region Division of City Schools ISMAEL MATHAY SR. HIGH SCHOOL Branches Extension, GSIS Village, Sangandaan, Quezon City CERTIFICATION TO WHOM IT MAY CONCERN This is to certify that JEFFBECK D. CALILAP was a bonafide student of this school, for the School Year 2012 2013. Records of this office show that the above named student was not involved in any incident in violation to our school rules and regulations.He observed good moral conduct during his stay in this school. This certification is hereby issued in connection with his application for enrolment. Given this 20th day of March, 2013. LYDIA SOLIVA-RAMOS Principal IV Not valid without school seal Republic of the Philippines Department of Education National Capital Region Division of City Schools ISMAEL MATHAY SR. HIGH SCHOOL Branches Extension, GSIS Village, Sangandaan, Quezon City CERTIFICATION TO WHOM IT MAY CONCERN This is to certify that NOE C. CECILIO was a bonafide student of this school, for the School Year 2012 2013.Records of this office show that the above named student was not involved in any incident in violation to our school rules and regulations. He observed good moral conduct during his stay in this school. This certification is hereby issued in connection with his application for enrolment. Given this 20th day of March, 2013. LYDIA SOLIVA-RAMOS Principal IV Not valid without school seal Republic of the Philippines Department of Education National Capital Region Division of City Schools ISMAEL MATHAY SR. HIGH SCH OOL Branches Extension, GSIS Village, Sangandaan, Quezon City CERTIFICATIONTO WHOM IT MAY CONCERN This is to certify that JOHN BRYAN T. COLICO was a bonafide student of this school, for the School Year 2012 2013. Records of this office show that the above named student was not involved in any incident in violation to our school rules and regulations. He observed good moral conduct during his stay in this school. This certification is hereby issued in connection with his application for enrolment. Given this 20th day of March, 2013. LYDIA SOLIVA-RAMOS Principal IV Not valid without school seal Republic of the Philippines Department of EducationNational Capital Region Division of City Schools ISMAEL MATHAY SR. HIGH SCHOOL Branches Extension, GSIS Village, Sangandaan, Quezon City CERTIFICATION TO WHOM IT MAY CONCERN This is to certify that ELWIN DAVE P. CUADRA was a bonafide student of this school, for the School Year 2012 2013. Records of this office show that the above named studen t was not involved in any incident in violation to our school rules and regulations. He observed good moral conduct during his stay in this school. This certification is hereby issued in connection with his application for enrolment.Given this 20th day of March, 2013. LYDIA SOLIVA-RAMOS Principal IV Not valid without school seal Republic of the Philippines Department of Education National Capital Region Division of City Schools ISMAEL MATHAY SR. HIGH SCHOOL Branches Extension, GSIS Village, Sangandaan, Quezon City CERTIFICATION TO WHOM IT MAY CONCERN This is to certify that IVAN LEXTER P. DELA CRUZ was a bonafide student of this school, for the School Year 2012 2013. Records of this office show that the above named student was not involved in any incident in violation to our school rules and regulations.He observed good moral conduct during his stay in this school. This certification is hereby issued in connection with his application for enrolment. Given this 20th day of March, 20 13. LYDIA SOLIVA-RAMOS Principal IV Not valid without school seal Republic of the Philippines Department of Education National Capital Region Division of City Schools ISMAEL MATHAY SR. HIGH SCHOOL Branches Extension, GSIS Village, Sangandaan, Quezon City CERTIFICATION TO WHOM IT MAY CONCERN This is to certify that RODEL T. FELIZMENA was a bonafide student of this school, for the School Year 2012 2013.Records of this office show that the above named student was not involved in any incident in violation to our school rules and regulations. He observed good moral conduct during his stay in this school. This certification is hereby issued in connection with his application for enrolment. Given this 20th day of March, 2013. LYDIA SOLIVA-RAMOS Principal IV Not valid without school seal Republic of the Philippines Department of Education National Capital Region Division of City Schools ISMAEL MATHAY SR. HIGH SCHOOL Branches Extension, GSIS Village, Sangandaan, Quezon City CERTIFICATION TO WHOM IT MAY CONCERNThis is to certify that EMERSON V. GUTIERREZ was a bonafide student of this school, for the School Year 2012 2013. Records of this office show that the above named student was not involved in any incident in violation to our school rules and regulations. He observed good moral conduct during his stay in this school. This certification is hereby issued in connection with his application for enrolment. Given this 20th day of March, 2013. LYDIA SOLIVA-RAMOS Principal IV Not valid without school seal Republic of the Philippines Department of Education National Capital Region Division of City SchoolsISMAEL MATHAY SR. HIGH SCHOOL Branches Extension, GSIS Village, Sangandaan, Quezon City CERTIFICATION TO WHOM IT MAY CONCERN This is to certify that MICO B. INGAT was a bonafide student of this school, for the School Year 2012 2013. Records of this office show that the above named student was not involved in any incident in violation to our school rules and regulations. He observed good moral conduct during his stay in this school. This certification is hereby issued in connection with his application for enrolment. Given this 20th day of March, 2013. LYDIA SOLIVA-RAMOS Principal IV Not valid without school sealRepublic of the Philippines Department of Education National Capital Region Division of City Schools ISMAEL MATHAY SR. HIGH SCHOOL Branches Extension, GSIS Village, Sangandaan, Quezon City CERTIFICATION TO WHOM IT MAY CONCERN This is to certify that JEFFREY M. MEDINA was a bonafide student of this school, for the School Year 2012 2013. Records of this office show that the above named student was not involved in any incident in violation to our school rules and regulations. He observed good moral conduct during his stay in this school. This certification is hereby issued in connection with his application for enrolment.Given this 20th day of March, 2013. LYDIA SOLIVA-RAMOS Principal IV Not valid without school seal Republic of the Philippine s Department of Education National Capital Region Division of City Schools ISMAEL MATHAY SR. HIGH SCHOOL Branches Extension, GSIS Village, Sangandaan, Quezon City CERTIFICATION TO WHOM IT MAY CONCERN This is to certify that JAMES ALELIO L. MENDOZA was a bonafide student of this school, for the School Year 2012 2013. Records of this office show that the above named student was not involved in any incident in violation to our school rules and regulations.He observed good moral conduct during his stay in this school. This certification is hereby issued in connection with his application for enrolment. Given this 20th day of March, 2013. LYDIA SOLIVA-RAMOS Principal IV Not valid without school seal Republic of the Philippines Department of Education National Capital Region Division of City Schools ISMAEL MATHAY SR. HIGH SCHOOL Branches Extension, GSIS Village, Sangandaan, Quezon City CERTIFICATION TO WHOM IT MAY CONCERN This is to certify that DAIMIEL ALEXANDER E. PASION was a bonafide student of this school, for the School Year 2012 2013.Records of this office show that the above named student was not involved in any incident in violation to our school rules and regulations. He observed good moral conduct during his stay in this school. This certification is hereby issued in connection with his application for enrolment. Given this 20th day of March, 2013. LYDIA SOLIVA-RAMOS Principal IV Not valid without school seal Republic of the Philippines Department of Education National Capital Region Division of City Schools ISMAEL MATHAY SR. HIGH SCHOOL Branches Extension, GSIS Village, Sangandaan, Quezon City CERTIFICATION TO WHOM IT MAY CONCERNThis is to certify that FRANCIS B. RAMOS was a bonafide student of this school, for the School Year 2012 2013. Records of this office show that the above named student was not involved in any incident in violation to our school rules and regulations. He observed good moral conduct during his stay in this school. This certifica tion is hereby issued in connection with his application for enrolment. Given this 20th day of March, 2013. LYDIA SOLIVA-RAMOS Principal IV Not valid without school seal Republic of the Philippines Department of Education National Capital Region Division of City Schools ISMAEL MATHAY SR.HIGH SCHOOL Branches Extension, GSIS Village, Sangandaan, Quezon City CERTIFICATION TO WHOM IT MAY CONCERN This is to certify that MARIEL DC. ABLAZA was a bonafide student of this school, for the School Year 2012 2013. Records of this office show that the above named student was not involved in any incident in violation to our school rules and regulations. He observed good moral conduct during his stay in this school. This certification is hereby issued in connection with his application for enrolment. Given this 20th day of March, 2013. LYDIA SOLIVA-RAMOS Principal IV Not valid without school sealRepublic of the Philippines Department of Education National Capital Region Division of City Schools IS MAEL MATHAY SR. HIGH SCHOOL Branches Extension, GSIS Village, Sangandaan, Quezon City CERTIFICATION TO WHOM IT MAY CONCERN This is to certify that LOVELY S. ANA was a bonafide student of this school, for the School Year 2012 2013. Records of this office show that the above named student was not involved in any incident in violation to our school rules and regulations. He observed good moral conduct during his stay in this school. This certification is hereby issued in connection with his application for enrolment.Given this 20th day of March, 2013. LYDIA SOLIVA-RAMOS Principal IV Not valid without school seal Republic of the Philippines Department of Education National Capital Region Division of City Schools ISMAEL MATHAY SR. HIGH SCHOOL Branches Extension, GSIS Village, Sangandaan, Quezon City CERTIFICATION TO WHOM IT MAY CONCERN This is to certify that TRISHIA MAE A. ARROYO was a bonafide student of this school, for the School Year 2012 2013. Records of this office show that the above named student was not involved in any incident in violation to our school rules and regulations.He observed good moral conduct during his stay in this school. This certification is hereby issued in connection with his application for enrolment. Given this 20th day of March, 2013. LYDIA SOLIVA-RAMOS Principal IV Not valid without school seal Republic of the Philippines Department of Education National Capital Region Division of City Schools ISMAEL MATHAY SR. HIGH SCHOOL Branches Extension, GSIS Village, Sangandaan, Quezon City CERTIFICATION TO WHOM IT MAY CONCERN This is to certify that KRISTINE MAE E. BALDEO was a bonafide student of this school, for the School Year 2012 2013.Records of this office show that the above named student was not involved in any incident in violation to our school rules and regulations. She observed good moral conduct during her stay in this school. This certification is hereby issued in connection with her application for enrolment. Given this 20t h day of March, 2013. LYDIA SOLIVA-RAMOS Principal IV Not valid without school seal Republic of the Philippines Department of Education National Capital Region Division of City Schools ISMAEL MATHAY SR. HIGH SCHOOL Branches Extension, GSIS Village, Sangandaan, Quezon City CERTIFICATIONTO WHOM IT MAY CONCERN This is to certify that ANGELICA G. BALINGIT was a bonafide student of this school, for the School Year 2012 2013. Records of this office show that the above named student was not involved in any incident in violation to our school rules and regulations. She observed good moral conduct during her stay in this school. This certification is hereby issued in connection with her application for enrolment. Given this 20th day of March, 2013. LYDIA SOLIVA-RAMOS Principal IV Not valid without school seal Republic of the Philippines Department of EducationNational Capital Region Division of City Schools ISMAEL MATHAY SR. HIGH SCHOOL Branches Extension, GSIS Village, Sangandaan, Quezon C ity CERTIFICATION TO WHOM IT MAY CONCERN This is to certify that MARY CRIS D. BARALLA was a bonafide student of this school, for the School Year 2012 2013. Records of this office show that the above named student was not involved in any incident in violation to our school rules and regulations. She observed good moral conduct during her stay in this school. This certification is hereby issued in connection with her application for enrolment.Given this 20th day of March, 2013. LYDIA SOLIVA-RAMOS Principal IV Not valid without school seal Republic of the Philippines Department of Education National Capital Region Division of City Schools ISMAEL MATHAY SR. HIGH SCHOOL Branches Extension, GSIS Village, Sangandaan, Quezon City CERTIFICATION TO WHOM IT MAY CONCERN This is to certify that JESSELLE Q. BATO was a bonafide student of this school, for the School Year 2012 2013. Records of this office show that the above named student was not involved in any incident in violation to our schoo l rules and regulations.She observed good moral conduct during her stay in this school. This certification is hereby issued in connection with her application for enrolment. Given this 20th day of March, 2013. LYDIA SOLIVA-RAMOS Principal IV Not valid without school seal Republic of the Philippines Department of Education National Capital Region Division of City Schools ISMAEL MATHAY SR. HIGH SCHOOL Branches Extension, GSIS Village, Sangandaan, Quezon City CERTIFICATION TO WHOM IT MAY CONCERN This is to certify that REGILYN R. BORNALES was a bonafide student of this school, for the School Year 2012 2013.Records of this office show that the above named student was not involved in any incident in violation to our school rules and regulations. She observed good moral conduct during her stay in this school. This certification is hereby issued in connection with her application for enrolment. Given this 20th day of March, 2013. LYDIA SOLIVA-RAMOS Principal IV Not valid without school se al Republic of the Philippines Department of Education National Capital Region Division of City Schools ISMAEL MATHAY SR. HIGH SCHOOL Branches Extension, GSIS Village, Sangandaan, Quezon City CERTIFICATION TO WHOM IT MAY CONCERNThis is to certify that CAMILLE G. CABULOS was a bonafide student of this school, for the School Year 2012 2013. Records of this office show that the above named student was not involved in any incident in violation to our school rules and regulations. She observed good moral conduct during her stay in this school. This certification is hereby issued in connection with her application for enrolment. Given this 20th day of March, 2013. LYDIA SOLIVA-RAMOS Principal IV Not valid without school seal Republic of the Philippines Department of Education National Capital Region Division of City Schools ISMAEL MATHAY SR.HIGH SCHOOL Branches Extension, GSIS Village, Sangandaan, Quezon City CERTIFICATION TO WHOM IT MAY CONCERN This is to certify that MYLENE H. COPIA wa s a bonafide student of this school, for the School Year 2012 2013. Records of this office show that the above named student was not involved in any incident in violation to our school rules and regulations. She observed good moral conduct during her stay in this school. This certification is hereby issued in connection with her application for enrolment. Given this 20th day of March, 2013. LYDIA SOLIVA-RAMOS Principal IV Not valid without school sealRepublic of the Philippines Department of Education National Capital Region Division of City Schools ISMAEL MATHAY SR. HIGH SCHOOL Branches Extension, GSIS Village, Sangandaan, Quezon City CERTIFICATION TO WHOM IT MAY CONCERN This is to certify that ANNE LA RENCH C. CRUZ was a bonafide student of this school, for the School Year 2012 2013. Records of this office show that the above named student was not involved in any incident in violation to our school rules and regulations. She observed good moral conduct during her stay in this sc hool. This certification is hereby issued in connection with her application for enrolment.Given this 20th day of March, 2013. LYDIA SOLIVA-RAMOS Principal IV Not valid without school seal Republic of the Philippines Department of Education National Capital Region Division of City Schools ISMAEL MATHAY SR. HIGH SCHOOL Branches Extension, GSIS Village, Sangandaan, Quezon City CERTIFICATION TO WHOM IT MAY CONCERN This is to certify that DIANA CHARISSE B. DASIG was a bonafide student of this school, for the School Year 2012 2013. Records of this office show that the above named student was not involved in any incident in violation to our school rules and regulations.She observed good moral conduct during her stay in this school. This certification is hereby issued in connection with her application for enrolment. Given this 20th day of March, 2013. LYDIA SOLIVA-RAMOS Principal IV Not valid without school seal Republic of the Philippines Department of Education National Capital Region Division of City Schools ISMAEL MATHAY SR. HIGH SCHOOL Branches Extension, GSIS Village, Sangandaan, Quezon City CERTIFICATION TO WHOM IT MAY CONCERN This is to certify that JACQUILYN G. GEQUILLANA was a bonafide student of this school, for the School Year 2012 2013.Records of this office show that the above named student was not involved in any incident in violation to our school rules and regulations. She observed good moral conduct during her stay in this school. This certification is hereby issued in connection with her application for enrolment. Given this 20th day of March, 2013. LYDIA SOLIVA-RAMOS Principal IV Not valid without school seal Republic of the Philippines Department of Education National Capital Region Division of City Schools ISMAEL MATHAY SR. HIGH SCHOOL Branches Extension, GSIS Village, Sangandaan, Quezon City CERTIFICATION TO WHOM IT MAY CONCERNThis is to certify that MERIAM L. HOYOA was a bonafide student of this school, for the School Year 2012 2013. Recor ds of this office show that the above named student was not involved in any incident in violation to our school rules and regulations. She observed good moral conduct during her stay in this school. This certification is hereby issued in connection with her application for enrolment. Given this 20th day of March, 2013. LYDIA SOLIVA-RAMOS Principal IV Not valid without school seal Republic of the Philippines Department of Education National Capital Region Division of City Schools ISMAEL MATHAY SR.HIGH SCHOOL Branches Extension, GSIS Village, Sangandaan, Quezon City CERTIFICATION TO WHOM IT MAY CONCERN This is to certify that JERRIE MAY V. ILAGA was a bonafide student of this school, for the School Year 2012 2013. Records of this office show that the above named student was not involved in any incident in violation to our school rules and regulations. She observed good moral conduct during her stay in this school. This certification is hereby issued in connection with her application for enrolment. Given this 20th day of March, 2013. LYDIA SOLIVA-RAMOS Principal IV Not valid without school sealRepublic of the Philippines Department of Education National Capital Region Division of City Schools ISMAEL MATHAY SR. HIGH SCHOOL Branches Extension, GSIS Village, Sangandaan, Quezon City CERTIFICATION TO WHOM IT MAY CONCERN This is to certify that RODILYN M. LEONA was a bonafide student of this school, for the School Year 2012 2013. Records of this office show that the above named student was not involved in any incident in violation to our school rules and regulations. She observed good moral conduct during her stay in this school. This certification is hereby issued in connection with her application for enrolment.Given this 20th day of March, 2013. LYDIA SOLIVA-RAMOS Principal IV Not valid without school seal Republic of the Philippines Department of Education National Capital Region Division of City Schools ISMAEL MATHAY SR. HIGH SCHOOL Branches Extension, GSIS Vil lage, Sangandaan, Quezon City CERTIFICATION TO WHOM IT MAY CONCERN This is to certify that JOVELYN E. MONILLA was a bonafide student of this school, for the School Year 2012 2013. Records of this office show that the above named student was not involved in any incident in violation to our school rules and regulations.She observed good moral conduct during her stay in this school. This certification is hereby issued in connection with her application for enrolment. Given this 20th day of March, 2013. LYDIA SOLIVA-RAMOS Principal IV Not valid without school seal Republic of the Philippines Department of Education National Capital Region Division of City Schools ISMAEL MATHAY SR. HIGH SCHOOL Branches Extension, GSIS Village, Sangandaan, Quezon City CERTIFICATION TO WHOM IT MAY CONCERN This is to certify that ALDREA MARGARITA D. PAULAR was a bonafide student of this school, for the School Year 2012 2013.Records of this office show that the above named student was not involved in any i ncident in violation to our school rules and regulations. She observed good moral conduct during her stay in this school. This certification is hereby issued in connection with her application for enrolment. Given this 20th day of March, 2013. LYDIA SOLIVA-RAMOS Principal IV Not valid without school seal Republic of the Philippines Department of Education National Capital Region Division of City Schools ISMAEL MATHAY SR. HIGH SCHOOL Branches Extension, GSIS Village, Sangandaan, Quezon City CERTIFICATION TO WHOM IT MAY CONCERNThis is to certify that LORENA J. RAMOS was a bonafide student of this school, for the School Year 2012 2013. Records of this office show that the above named student was not involved in any incident in violation to our school rules and regulations. She observed good moral conduct during her stay in this school. This certification is hereby issued in connection with her application for enrolment. Given this 20th day of March, 2013. LYDIA SOLIVA-RAMOS Principal IV Not valid without school seal Republic of the Philippines Department of Education National Capital Region Division of City Schools ISMAEL MATHAY SR.HIGH SCHOOL Branches Extension, GSIS Village, Sangandaan, Quezon City CERTIFICATION TO WHOM IT MAY CONCERN This is to certify that SALVE REGINA S. SABADO was a bonafide student of this school, for the School Year 2012 2013. Records of this office show that the above named student was not involved in any incident in violation to our school rules and regulations. She observed good moral conduct during her stay in this school. This certification is hereby issued in connection with her application for enrolment. Given this 20th day of March, 2013. LYDIA SOLIVA-RAMOS Principal IV Not valid without school sealRepublic of the Philippines Department of Education National Capital Region Division of City Schools ISMAEL MATHAY SR. HIGH SCHOOL Branches Extension, GSIS Village, Sangandaan, Quezon City CERTIFICATION TO WHOM IT MAY CONCERN This is to certify that JOAN M. SILVA was a bonafide student of this school, for the School Year 2012 2013. Records of this office show that the above named student was not involved in any incident in violation to our school rules and regulations. She observed good moral conduct during her stay in this school. This certification is hereby issued in connection with her application for enrolment.Given this 20th day of March, 2013. LYDIA SOLIVA-RAMOS Principal IV Not valid without school seal Republic of the Philippines Department of Education National Capital Region Division of City Schools ISMAEL MATHAY SR. HIGH SCHOOL Branches Extension, GSIS Village, Sangandaan, Quezon City CERTIFICATION TO WHOM IT MAY CONCERN This is to certify that JULLIE ANNE V. SILVA was a bonafide student of this school, for the School Year 2012 2013. Records of this office show that the above named student was not involved in any incident in violation to our school rules and regulations.She observed good moral cond uct during her stay in this school. This certification is hereby issued in connection with her application for enrolment. Given this 20th day of March, 2013. LYDIA SOLIVA-RAMOS Principal IV Not valid without school seal Republic of the Philippines Department of Education National Capital Region Division of City Schools ISMAEL MATHAY SR. HIGH SCHOOL Branches Extension, GSIS Village, Sangandaan, Quezon City CERTIFICATION TO WHOM IT MAY CONCERN This is to certify that CRISTALYN MAE R. TORRES was a bonafide student of this school, for the School Year 2012 2013.Records of this office show that the above named student was not involved in any incident in violation to our school rules and regulations. She observed good moral conduct during her stay in this school. This certification is hereby issued in connection with her application for enrolment. Given this 20th day of March, 2013. LYDIA SOLIVA-RAMOS Principal IV Not valid without school seal Republic of the Philippines Department of Edu cation National Capital Region Division of City Schools ISMAEL MATHAY SR. HIGH SCHOOL Branches Extension, GSIS Village, Sangandaan, Quezon City CERTIFICATION TO WHOM IT MAY CONCERNThis is to certify that JERALDINE O. VELASCO was a bonafide student of this school, for the School Year 2012 2013. Records of this office show that the above named student was not involved in any incident in violation to our school rules and regulations. She observed good moral conduct during her stay in this school. This certification is hereby issued in connection with her application for enrolment. Given this 20th day of March, 2013. LYDIA SOLIVA-RAMOS Principal IV Not valid without school seal Republic of the Philippines Department of Education National Capital Region Division of City Schools ISMAEL MATHAY SR.HIGH SCHOOL Branches Extension, GSIS Village, Sangandaan, Quezon City CERTIFICATION TO WHOM IT MAY CONCERN This is to certify that ROSSANA MARIE B. ZAPATA was a bonafide student of this school, f or the School Year 2012 2013. Records of this office show that the above named student was not involved in any incident in violation to our school rules and regulations. She observed good moral conduct during her stay in this school. This certification is hereby issued in connection with her application for enrolment. Given this 20th day of March, 2013. LYDIA SOLIVA-RAMOS Principal IV Not valid without school seal