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Managed currencies attract money to frontier markets Frontier markets with managed exchange rates from Dubai to Vietnam are luring equity investors fleeing the currency turmoil in larger developing economies. Funds that buy shares in the less-developed nations posted inflows of $407 million in the first six weeks of 2014, while $21 billion was pulled from emerging markets, EPFR Global data show. A gain of about 3 percent in the MSCI Frontier Market Index this year pushed stocks to a 2008 high Feb. 19, even as slower China growth and the Federal Reserve’s plan to trim bond buying weighed on developing and developed-nation gauges.
The Koyal Group Insurance Compliance (Corrects headline to show probe is over legal compliance) March 3 (Reuters) - A federal grand jury is probing Citigroup Inc, including its Banamex USA affiliate, over compliance with the U.S. Bank Secrecy Act and anti-money laundering requirements, the company said. In an annual filing on Monday with the U.S. Securities and Exchange Commission, the company said the probe includes subpoenas from the U.S. Attorney's Office for the District of Massachusetts. The company also said Banamex USA had received a subpoena from the U.S. Federal Deposit Insurance Corp. While the U.S. attorney may bring criminal charges, the FDIC is a civil agency. The criminal probe follows other problems that have surfaced with Banamex, which operates Citigroup's largest single consumer bank outside of the United States and has been portrayed by the company as a model of its global strategy.
Reading and understanding centrifugal pump curves is key to proper pump selection, and to their reliable and efficient operation. This Tech Brief examines how pump curves can provide data about a pump’s ability to produce flow against certain head, shows how to read a typical centrifugal pump curve, and provides information about pump efficiency and brake horsepower. Pumps are the workhorses of any drinking water distribution or wastewater collection system. They operate 24 hours a day, 365 days a year getting water to homes and business, and removing wastewater from them. A correctly sized pump will work efficiently for many years, saving a system money and energy. An incorrectly sized pump can fail if it’s too small or result in unnecessary expense if it’s too big. Pump curves provide a way to see the correct size a pump should be for specific conditions. Pump Terminology Before discussing specific details, it helps to understand typical terms associated with pump curves: Impeller—the moving element in a pump that drives the liquid. Volute—the spiral-shaped casing surrounding a pump impeller that collects the liquid discharged by the impeller. Head—a measure of the pressure or force exerted by water expressed in feet. Centrifugal pump curves show pressure as head, which is the equivalent height of water with specific gravity = 1. Static Head—the vertical height difference from the surface of a water source to the centerline of the impeller. The vertical height difference from the centerline of the impeller to the discharge point is called discharge static head, while the vertical height difference from the surface of the water source to the discharge point is known as total static head. Total Head / Total Dynamic Head—the total height difference (total static head) plus friction losses and demand pressure from nozzles etc. (total discharge head) = total dynamic head. Capacity/Flow—the rate of liquid flow that can be carried, typically measured in gallons per minute (gpm). Net Positive Suction Head—how much suction lift a pump can achieve by creating a partial vacuum. Atmospheric pressure then pushes liquid into pump. A method of calculating if the pump will work or not. Cavitation—cavities or voids in liquid. Bubbles take up space leading to a drop in pump capacity. Collapsing bubbles can damage the impeller and volute, making cavitation a problem for both the pump and the mechanical seal. Specific Gravity—the weight of liquid in comparison to water at approximately 20° C (SG = 1). Specific Speed—a measure of the function of pump flow, head, and efficiency. Vapor Pressure—the force exerted by the gas released by a liquid in a closed space. If the vapor pressure of a liquid is greater than the surrounding air pressure, the liquid will boil. Viscosity—a measure of a liquid’s resistance to flow (i.e., how thick it is). The viscosity determines the type of pump used, how fast it can run, and with gear pumps, the internal clearances required. Friction Loss—the amount of pressure / head required to force liquid through pipes and fittings.
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Lose Weight and Still Eat Your Cake! FREE! 5 sessions of weight loss secrets... and the strategy behind making it permanent. It's 2014 and we're offering you some solutions for permanent weight loss. Feel better and look better by learning how to achieve healthy results NOW! Losing weight should be simple – and I’m NOT asking you to give up any of your pleasure foods to do it. There are easier ways to accomplish health and permanent weight loss and I am going to show you how. Each session will progressively build on the last. In these 5 sessions you will learn: Easy lifestyle strategies to keep your weight balanced. 5 nutritional supplements that support a revving metabolism. The secret to cooking and eating for your ideal weight. The simplest way to add 10 years to your life. How to customize your workouts to personally increase your metabolism. When: Thursday evenings, January 9 - February 6, 2014 7:00 - 8:00 pm Where: Village Green Apothecary Offices 5411 W. Cedar Lane Suite 202A Bethesda, MD 20814 Registration for this class series is limited to 10 people. Participants must pre-qualify to attend and must be available to come to each session in order to maintain the integrity of the group. Please email your interest and contact information to: email@example.com and briefly explain why you think these sessions will benefit you. Get ready to be the envy of your friends as you comfortably drop pounds in no time! RESERVE YOUR SPACE NOW! Presenter: Heather Gunn, MS, CNS, LDN Heather is a clinical herbalist, licensed nutritionist and fitness consultant. Her special interests are in supporting overall health, weight loss, hormone balance and stress management. Contact: firstname.lastname@example.org · 301-530-0800 x1019
Fit and Fat? Yes, you can be fit and overweight within reason. The trick is to control your weight so you can be physically active. There are plenty of people who get regular physical activity, yet they are overweight. A recent study showed people who are fit and carrying extra pounds may not be at increased risk of developing or dying from heart disease or cancer when compared to people of healthy weight.1 Likewise, thin people are not necessarily healthy if they carry excess belly fat. What matters more than weight is the amount and type of body fat. Studies show that fat around the midsection or belly fat may be more harmful than fat elsewhere on the body.2 Why? Belly or visceral fat embedded into muscles and around vital organs can have a metabolic impact compared to subcutaneous fat, which is the type of fat that simply sits beneath the skin like on your hips. Abdominal fat is also a predictor of risk for obesity-related diseases such as Type 2 diabetes, elevated cholesterol, high blood pressure and heart disease. Generally ladies should strive for a waist circumference below 35 inches and men, 40 inches according to the National Heart, Lung and Blood Institute. Eat Whatever You Want As Long You Exercise It might sound logical that if you work out, you can eat whatever you want, but this is usually not the most effective way to lose weight. Believe it or not, it is easier not to eat the chocolate cake than it is to burn it off. One slice of decadent chocolate cake could contain as many as 500 calories and require up to five miles of jogging to burn it off. Losing weight occurs when you create a calorie deficit either by eating fewer calories, burning calories through exercise or a combination of both. Diet plans that include cutting calories and regular physical activity tend to be the most successful and sustainable. Further, the quality of the food you consume and regular physical activity are important to overall health, regardless of weight. So the next time you want to indulge in a calorie-rich food or beverage, enjoy a smaller portion and account for it in your daily calorie budget. Health Only Improves When You Lose Lots of Weight Seeking to reach your healthy weight is an excellent goal in support of good health. However, you may benefit from losing as little as 5-10 percent of your body weight. Studies show that even small amounts of weight loss may improve blood cholesterol levels, blood sugar levels, blood pressure and lower risk for heart disease. Celebrate small victories on your journey toward a healthier weight. The payoff – people who lose weight slowly are more likely to keep it off. Skipping Breakfast Slashes Calories Studies show that breakfast eaters have healthier weights compared to breakfast skippers. Skipping breakfast or any meal usually results in overeating later in the day. Enjoying a nutritious meal in the morning sets the stage for the day. A breakfast that contains protein and fiber may keep blood sugar levels stable and hunger at bay until lunchtime. Your blood sugar and energy levels are low when you wake up in the morning. To get your body moving and energized after a long night’s rest, you need fuel in the form of a healthy breakfast. Another benefit, people who eat breakfast tend to have healthier diets overall, ones that are higher in nutrients. Breakfast may help you keep the weight off. We have learned from successful losers, the National Weight Control Registry of those who have lost weight and kept it off, make eating breakfast a daily habit. Reconsider where you slash calories in your diet and keep in mind you may save calories if you start your day the healthy way with a nutritious and delicious breakfast.
Let’s get started Press the power button to start up your MacBook Pro, and Setup Assistant guides you through a few simple steps to get you up and running quickly. It walks you through connecting to your Wi-Fi network and creating a user account for your Mac. And it can even transfer your documents, email, photos, music, and movies to your new Mac from another Mac or PC. You can sign in with your Apple ID in Setup Assistant. This automatically sets up your account in the Mac App Store and the iTunes Store, and in apps like Messages and FaceTime, so they’re ready the first time you open them. It also sets up iCloud, so apps such as Mail, Contacts, Calendar, and Safari have all your latest information waiting for you. If you don’t have an Apple ID, you can create one in Setup Assistant. To learn more about transferring files to your new Mac, go to support.apple.com/kb/HT4889. ... Quick Start Guide Welcome to your new MacBook Pro. Let us show you around. This guide shows you what’s on your Mac, helps you set it up, and gets you up and running with tips for the apps you’ll use every day. Your battery is charged and ready to go, so you can start using your Mac right out of the box. When you do recharge the battery, you’ll know it’s fully charged when the orange light on your power connector turns green. SDXC Transfer photos from your camera’s memory card HDMI Connect to your HDTV USB 3 Charge devices, connect external storage, and more MagSafe 2 Magnetically attach the power cord Thunderbolt 2 Connect external displays and high-performance devices FaceTime HD camera Make video calls, capture HD video, and take snapshots To learn more about ports and connectors, go to support.apple.com/kb/HT2494. AC plug Power adapter MagSafe 2 power connector Power button Multi-Touch trackpad To learn more about the battery, go to www.apple.com/batteries. AC power cord
Forex is actually the short form of the word Foreign Exchange. It refers to the simultaneous buying and selling of a currency pair. In Forex, currencies are always traded against one another and quoted in pairs. For example, USD/JPY refers to the US Dollar and Japanese Yen pair. Some of the major currencies being traded on the Forex market are the Swiss Franc (CHF), the Euro (EUR), the British Pound (GBP) and the Japanese Yen (JPY). All of these currencies are traded against the US Dollar (USD). Currency Pairs All currencies are traded in pairs. Within the pair itself, the first currency is known as the base currency, while the second currency is known as the quote or counter currency. All quotes in Forex are made in terms of the base currency. When you ask for a currency quote, you will be given two prices, the Bid price and the Ask price. The Bid price is the price that you will get for selling a currency while the Ask price is the price that you will get for buying a currency. Both of these prices are expressed in terms of the base currency. Let us say that the exchange rate for the USD/CHF currency pair is 0.9579. This means that one Dollar is equivalent to 0.9579Swiss Francs. A particular currency pair actually reflects the rate by which two currencies can be exchanged for each other. In our previous example for the EUR/USD, this pair denotes how much one Euro can be exchanged for US Dollars. Regardless of whether the market is moving up or down, a trader is able to profit from the market situation depending on whether he undertakes a “Short” or “Long” position. When you take a “short position”, you are assuming that the price of the trading product is going to fall. When you take a “long position”, you are assuming that the price is going to go up. The majority of Forex brokers provide margin trading accounts for their clients. This allows traders to leverage their trading by much higher ratios. Advantages of the Forex Market Highly Liquid Market Over $4 trillion dollars’ worth of currency are traded daily on the Forex market, where market orders are executed almost immediately. This means that the market is too large for any single individual or institution to control.
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BAHASA INGGRIS : XII IPA/IPS : 90 menit Mata Pelajaran Kelas/ Program Waktu Choose A, B, C, D, or E for the correct answer. Listening Section In this section of the test, you will have the chance to show how well you understand spoken English. There are three parts to this section with special directions for each part. Part I Questions 1 to 5 Directions: In this part of the test, you will hear some dialogues or questions spoken in English. The dialogues or questions will be spoken two times. They will not be printed in your test book so you must listen carefully to understand what the speakers say. After you hear a dialogue and the question about it, read the five possible answers and decide which one would be the best answer to the question you have heard. Now listen to a sample question. You will hear: Man : How about exercising tomorrow morning? Woman : Alright. Pick me up at 6. You will also hear: Narrator : What will the man do? You will read in your test book: a. Do exercise at 6. b. Go with six women. c. Take exercise alone. d. Leave the woman alone. e. come to the woman’s house. The best answer to the question is “Come to the woman’s house.” Therefore, you should choose answer (e). 1. a. She cut herself quite badly. b. She wasn’t given any help. c. She cried while slicing onions. d. She sliced the onions hurriedly. e. She was going to make fried rice. 2. a. Do his assignment b. See a book fair. c. Buy a history book. d. Offer the woman a book. e. Go to the woman’s house. 3. a. To buy a novel. b. To read a novel. c. To lend a novel. d. To go to a bookstore. e. To finish reading a novel. 4. a.1 b.2 c.3 d.4 e.5 Latihan Soal UN dan Ujian SNMPTN /PTS 2012/2013 1 5. a.1 b.2 c.3 d.4 e.5 PART II Questions 6 to 10 Directions: In this part of the test, you will hear a statement or a question spoken in English, foolowed by four responses, also spoken in English. The statement or question and the responses will be spoken two times. They will not be printed in your test book, so you must listen carefully to understand what the speakers say. You have to choose the best response to each statement or question. Now listen to a sample question: You will hear: Woman : Good morning, John. How are you? Man : …… You will also hear: a. I am fine, thank you. c. Let me introduce myself. b. I am in the living room. d. My name is John Travolta. 6. 7. 8. 9. 10. The best answer to the question “How are you?” is choice (a), “I’m fine, thank you.” Therefore, you should choose answer (a). Mark your answer on your answer sheet. Mark your answer on your answer sheet. Mark your answer on your answer sheet. Mark your answer on your answer sheet. Mark your answer on your answer sheet. Part III Questions 11 to 15 Directions: In this part of the test, you will hear several monologues. Each monologue will be spoken two times. They will not be printed in your test book so you must listen carefully to understand what the speakers say. After you hear a monologue and the questions about it, read the five possible answers and decide which one would be the best answer to the questions you have heard. 11. a. b. c. Goose hunting An unfaithful dog An unusual accident d. A mathematics teacher e. Chambers Country Policeman 12. a. b. c. Arthur Houston Labrador d. Perry Price e. Joe LaRive Latihan Soal UN dan Ujian SNMPTN /PTS 2012/2013 2 13. a. b. c. It lies on high land. It is densely populated. It lies on a flat low plain area. d. The climate is hot and humid. e. It is at the mouth of the Ciliwung River. 14. a. b. c. James’ pet dog Muggs’ characteristics Muggs’ strange behavior d. The night when Muggs died e. Browny, the Cocker Spaniel 15. a. b. c. Andre Muggs James d. Browny e. George This is the end of the listening section Reading Section Text 1 is for number 16 Miss Ratu, I’m going to have a business trip to Surabaya and Jakarta. I’d like to go by train from here to Surabaya this afternoon and spend two days there. Then I’d like to fly to Jakarta and stay there for three nights. 1. Please book an executive class train ticket and seat reservation to Surabaya. 2. Please book single room with bath for three nights (Wed 1, Thurs 2, Fri 3) at Sulthan Hotel, Jakarta Selatan. Thanks, Raja 16. What is the message about? A. B. C. D. E. Mr. Raja’s request to his secretary. Ratu’s plan to Surabaya. A business trip to Surabaya. Mr. Raja’s schedule to Jakarta. A reservation for a train ticket. Text 2 is for number 17 Hi, Guys! 78 shs will hold a Fund Raising Activity next month. It is intended to help victims of earthquake in several areas in Aceh. Everyone who is interested in this activity, please join us. You are also invited to donor your used clothes. For further information, please contact Teuku as the chief program cocoordinator at his office or to the following numbers: 021- 7996070 081318777056 17. What is the activity for? A. Collecting used clothes B. Helping their raising activity C. Joining fund raising activity D. Helping victims of earthquakes E. Inviting neighbor to donor used clothes Text 3 is for number 18 The University of Australia The University of Australia has an international reputation for educational professionals and applied research. It is Australia’s largest university, with six campuses, including a specialized technology campus. The university places particular importance on the quality of its teaching and learning programs, and on its working links with industry, business and government. 18. Which information is NOT TRUE about the University of Australia? Latihan Soal UN dan Ujian SNMPTN /PTS 2012/2013 3 A. B. C. D. E. It has an international educational reputation It also has a specialized technology campus It has six technology campuses It is Australia’s largest university It has good relation with industry Text 4 is for number 19 and 20 Quake Rocks Southern Philippines Philippines: A 5,3-magnitude earthquake struck the southern Philippines on Thursday, the U.S. Geological Survey said, but there were no reports of casualties or damage. The undersea quake struck at 11:20 a.m. (03200 GMT) around 96 kilometers south east of the southern city of General Santos on the island of Mindanao, the U.S. agency said. The quake was felt in various cities in Mindanao but was not large enough to cause any major damage or panic, said the Philippine Institute of Volcanology and Seismology (Phivolcs). The archipelago nation, made up of more than 7,000 islands, sits on the Pacific “Ring of fire” where continental plates collide, causing frequent seismic and volcanic activity. (Adapted from the Jakarta Post, December 2008) 19. How do we know that the quake was not considered as a big one? Because .... A. It was an undersea quake B. There was no victims or damage C. The quake was less than 5,3 magnitute D. The distance was deep down the sea E. The quake rocked the center of Mindanao, ...