102 Things YouNeed to KnowBefore You FileBankruptcyWritten and Published byVictoria Ring, Bankruptcy ParalegalColumbus, Ohio USAemail: bankruptcy@columbus.rr.comwebsite: http://www.victoriaring.com/bankruptcy/ An Important Message to the Readers:This free ebook provides information and general advice about the law from the knowledge andviewpoint of a bankruptcy paralegal. However, laws and procedures change frequently, andthey can be interpreted differently by different people. For specific advice geared to your par-ticular financial situation, consult an expert. No book, software, or other published material is asubstitute for personalized advice from a knowledgeable attorney licensed to practice law inyour state.Copyright © January 2001 by Victoria Ring. ALL RIGHTS RESERVED. 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TABLE OF CONTENTSPageBankruptcy To Go Kit . aOverview aFree Forms Included bPaid Services . bGuidelines 1How Filing Bankruptcy Even when the last thing you want to is to forgive Even when the last thing you want to is to forgive Bởi: Joe Tye “If we cannot forgive, we end up crucifying ourselves on the very cross we construct for our scapegoats Our hate will be the hatred in ourselves that we have repressed, and that hatred of others masking our own self-hatred will continue to crucify us in their name.” Michael H Crosby: The Seven Last Words I’ve spent many an evening with support groups I’m always inspired by the sharing of hope and courage that so often turns out to have been nothing less than planting the seeds of future miracles The one exception was an evening I spent with a support group for parents whose children had been murdered Most of these crimes remained unsolved I don’t think I’ve ever seen so much hatred and latent violence in one place There is no doubt in my mind that, had one of the murderers been dragged into that room, those angry parents would have beaten him to death right then and there I’m also certain that a month later they all would have felt immeasurably more miserable for having taken out their vengeance One man remarked that neither he nor his wife had enjoyed a single a moment of peace in the years since their daughter’s battered body had been found in the trunk of a car His wife nodded in agreement I wanted to ask them what their daughter would say if she could return to Earth for just one minute Would she say: “Mom and Dad, I want to thank you for honoring my memory by allowing your lives to have been ruined by my death.” Or would it more likely have been: “Please, Mom and Dad, let go of the anger and hatred that have turned your souls to ice I have long since forgiven the person who took my life Can’t you find it in your hearts to the same? Not because he deserves to be forgiven, but because you need to forgive.” When God told Job to pray for his friends, I believe He was telling him to forgive them Though they were undoubtedly trying to be helpful, they had in effect been telling Job that it was all his own fault In so many words, they said that because of his past deeds, Job was guilty of causing the deaths of his children and his servants Had Job not been a terrible person who had done terrible things, they implied, God would never have 1/2 Even when the last thing you want to is to forgive allowed these bad things to have happened to him Job was clearly angered by these accusations By instructing Job to pray for his friends, the way Vern told me to pray for the man who’d fired me, God was also telling him to forgive them Mahatma Gandhi said that only the strong can forgive The quality of our lives, and the nature of the world that we pass on to our children, will be profoundly influenced by whether or not we have the courage and the strength to heed that call 2/2 Job Interview Answer: Why Do You Want to Work Here? A typical interview question, asked to ensure that you are seriously interested in the job and the company, and to find out how much you know about the company, is "Why do you want to work here?" The best way to answer this question is, first of all, to be prepared and knowledgeable about the company. Spend some time researching the company (the About Us section of the web site is a good place to start) so you can talk about the benefits of working for this employer. Compare your goals with objectives of the company and the position, then reiterate why you would be an asset to the employer. Let the interviewer know what you can do for the company, if you get a job offer. Even though the question is about why you want to work here, you still need to convince the interviewer that hiring you will benefit the company. 1 So, you want to go to grad school in Economics? A practical guide of the first years (for outsiders) from insiders Ceyhun Elgin Mario Solis-Garcia University of Minnesota April 2007 2 Introduction You may be wondering about our intentions in writing this document. A bit of background information may be useful here. We, along with many other young, bright students across the U.S. and other countries, were fascinated with the idea of enrolling in a Ph.D. program in economics, but were missing the big picture of the process, as well of the outcome! For our case, it is true that we are still working for the degree, but after one year and a half in the program (as of December 2006), we think that the experience may not be for everyone (but may be more exciting for some than for others!). This document is intended to provide, to the best of our knowledge, an accurate picture of the life before and during a Ph.D. program in economics. Our hope is that potentially interested students may benefit from our experience. As could be expected from a theme such as this one, a usual disclaimer arises. The conclusions expressed within are based from our experience in the economics program at the University of Minnesota; we expect many of the features discussed below to be fairly similar among schools. However, the experience might be different in other programs, within the U.S. or across the world! Our paper first will discuss what you should do before going to the Ph.D. Then we will try to give you some flavor of the life in the first year of the program, followed by our conclusion. So you’ve decided to go for a Ph.D. program Getting a Ph.D. degree is easier said than done. Your undergraduate or master’s advisor is right: It’s going to be difficult. In fact, we can agree and go even further: It’s going to be the most difficult experience of your life. However, should you decide to go for it, the rewards are easily greater than the costs. The first moral of the story: Think twice before you decide! 3 In our view, graduate work in economics (or in any other discipline, for that matter) is an exercise in discipline, endurance, hard work, and patience. It is not so easy having all 4 at the same time… but you’ll get used to it. The early work: tests So, suppose you are really decided to go on the adventure of a Ph.D. program. Congratulations! But now you have to get to work. You should have heard from everyone: “Take the GRE test.” Well, we’ll also say it: Take the GRE test. And take it early. Even though most universities suggest taking the test no later than the December before the year to enter the program, we suggest taking it no later than June or July of the year before entering the program. Why? For starters, bad luck happens. You can take special courses, study for a couple of months, score 800s on your practice tests, but it all comes down to one particular test. And here’s where the bad luck comes into play. If you don’t get the score you expect, you WHEN TELLING THE WORLD WHAT YOU WANT TO ACHIEVE CAN BE COUNTERPRODUCTIVE YU-CHEN HUNG NATIONAL UNIVERSITY OF SINGAPORE 2013 WHEN TELLING THE WORLD WHAT YOU WANT TO ACHIEVE CAN BE COUNTERPRODUCTIVE YU-CHEN HUNG (B.B.A. International Business & B.S. Psychology, National Taiwan University) A THESIS SUBMITTED FOR THE DEGREE OF DOCTOR OF PHILOSOPHY DEPARTMENT OF MARKETING BUSINESS SCHOOL NATIONAL UNIVERSITY OF SINGAPORE 2013 DECLARATION I hereby declare that this thesis is my original work and it has been written by me in its entirety. I have duly acknowledged all the sources of information which have been used in the thesis. This thesis has also not been submitted for any degree in any university previously. _______________________ Yu-chen Hung 11 Oct 2013 i ACKNOWLEGEMENTS I would like to express my sincere gratitude to my supervisors, Associate Professors Catherine Yeung and Xiuping Li, for their suppport, encouragment and guidance throughout my doctoral study at the National University of Singapore. I have been inspired by their dedication to scholary pursuit, and their valuable feedbacks have shaped the thesis for better. I am indebted to the participants in the brownbag at the NUS for their thoughtful suggestions, and I wish to thank the examiners for their insightful comments. I would also like to thank my fellow PhD students for their warm support and companionship. Special thanks go to Masia Jiang, Sun Li, Tanmay Satpthy, Song Liang, Wei Jie, Wang Yue, Xiu Weiwei, and Zhang Xing. My appreciation also goes to my special friends, Mohammed Hosseini and Katlin Liu. I also wish to express my deepest appreciation to my family for their support during my pursuit of this PhD. ii TABLE OF CONTENTS SUMMARY v LIST OF TABLES . vi LIST OF FIGURES vii CHAPTER INTRODUCTION 1 1.1 RESEARCH MOTIVATION FOR THE IMPACT OF GOAL PUBLICITY ON BEHAVIOR . 1 1.2 RESEARCH FRAMEWORK AND CONTRIBUTION 3 CHAPTER LITERATURE REVIEW AND HYPOTHESIS DEVELOPMENT 4 2.1 PAST RESEARCH ON THE EFFECT OF GOAL PUBLICITY 4 2.1.1 The Facilitative Effect of Goal Publicity 4 2.1.2 The Counterproductive Effect of Goal Publicity 6 2.1.3 Factors that Might Drive the Diverging Effects of Goal Publicity 8 2.2 GOAL-SYSTEMS THEORY AND THE ASSOCIATION BETWEEN A GOAL AND THE IDEAL SELF 9 2.2.1 Possible Association between Self-Concepts and Goals 11 2.3 SELF-EXPRESSION ORIENTATION 13 2.4 MAIN HYPOTHESIS AND EXPERIMENT OVERVIEW 15 CHAPTER EXPERIMENTS . 18 3.1 EXPERIMENT 18 3.1.1 Overview 18 3.1.2 Design and Procedure . 19 3.1.3 Results and Discussion . 21 3.2 EXPERIMENT 22 3.2.1 Overview 22 3.2.2 Design and Procedure . 23 3.2.3 Results and Discussion . 24 3.3 EXPERIMENT 26 iii 3.3.1 Overview 26 3.3.2 Design and Procedure . 26 3.3.3 Results 28 3.3.3.1 Confound Check 28 3.3.3.2 Time Spent on Reading Goal-Relevant Information . 28 3.3.3.3 Mediating Role of Perceived Goal Progress on Reading Time . 29 3.3.3.4 Number of Correct Answers WHAT TO LOOK FOR WHEN YOU WANT TO INVEST IN A COMPANY BY GEOFFREY BYRUCH INTRO ON INVESTING • Whether you are investing in a friend’s company or in a stock of a company, it is incredibly important that you your due diligence before making any type of commitment • Investing in private companies is not easy • When you buy stock or invest your own money into a company, you are not simply getting a piece of paper Rather you are becoming part owner of that company DO YOUR HOMEWORK • Now before you invest in a company, it is vital that you your homework • When I talk about homework, I am talking about the history and financial status of the company you are thinking about investing in DO YOUR HOMEWORK • But what if you didn’t your due diligence? What if you decided to go on a whim? • Imagine investing in stock from an unknown company All you know is that your best friend’s cousin highly recommended it • Like anyone in finance, this is incredibly risky move • At one end, you could be lucking out and have invested in a company whose profits grew throughout the year At the other end, you could have invested in a company that does poorly over the next few months and lose a majority of your investment • Don’t find yourself in that risk! DO YOUR HOMEWORK! THE RISK • One thing you want to keep in mind is that there is no such thing as a sure thing • Investing in a private company has many risks, especially when you are talking about your life savings or long term investments • My best advice is to a lot of the work upfront to increase your odds of success OVERVIEW • Below, I have outlined a variety of topics to research so that you can make the best wellinformed decision RESEARCH THE CHIEF EXECUTIVE OFFICER • The Chief Executive Officer (CEO) is the most senior corporate administrator or executive in charge of managing the overall organization Making sure there is a strong leader behind the company is incredibly important • Ask yourself various questions on whether or not the CEO is a strong representative of the company If they are not, then not invest If they are, then continue your research Certain questions you want to ask are: • Do you share the same vision and goals of the CEO of the Company? • Do you believe in the values and direction the CEO is pushing for the company? • Does the CEO have the right experience to run the company for the next 5, 10, 20 years? ANALYZE THE COMPANY’S BUSINESS MODEL • A business model is an abstract representation of an organization The overall model should essentially break down the strategy that a company will use to maximize its profits in its industry or field • you want to ask specific questions to make sure that the company is going in the right direction • In addition, research the overall company and try and find specific trends • this does give you the holistic view and history that your company was in specific situation NET INCOME, REVENUE, COST, PROFIT MARGINS • Net Income, Revenue, Cost, Profit Margins • This is by far one of the most important steps you can take in holistically viewing your company on a financial basis NET INCOME, REVENUE, COST, PROFIT MARGINS • Begin by analyzing this in parts Start off by analyzing the revenue Revenue is simply the raw amount of money the company made from sales of its products or services • Cost is the value of money that has been used up to produce the company’s product and services This can range from main expenses such as salary or material or miscellaneous expenses such as snacks and office supplies • • When viewing this, you want to see that the company is utilizing its funding properly Looking at its annual history of its net income and profit margins will be a sufficient amount of information to make your decision to invest TALK TO A LAWYER OR FINANCIAL ADVISOR • If you were still weary of making an investment even after doing all of this thorough research, I would best advise you to seek professional expertise on this situation • Financial .. .Even when the last thing you want to is to forgive allowed these bad things to have happened to him Job was clearly angered by these accusations By instructing Job to pray for his friends, the. .. Vern told me to pray for the man who’d fired me, God was also telling him to forgive them Mahatma Gandhi said that only the strong can forgive The quality of our lives, and the nature of the world... and the nature of the world that we pass on to our children, will be profoundly influenced by whether or not we have the courage and the strength to heed that call 2/2