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putting the ball in her court

Shooting the Sacred Cows of Money Putting a bullet in the head of bad financial advice

Shooting the Sacred Cows of Money Putting a bullet in the head of bad financial advice

Quản trị kinh doanh

... Peopledidthink,especially in the hightimeswhen the marketswerehigh,thattheirhousewasanasset.Eveniftheyhad their mortgage paid o, people were borrowing against their house and putting it into the stock market or wherever theywere putting it.So,notonlyweretheygettingcrazymortgages,buttheywerealsotakingmoneyoutagainsttheirhouse ... Learning adapted from Dale, (1969)Doing the Real ThingSimulating the Real ExperienceDoing a Dramatic PresentationGiving a TalkParticipating in a DiscussionSeeing it Done on LocationWatching ... after in ationhasfallen.So the harderpeoplework, the lessthey’remakingbecause the governmentand the FederalReserve, the banking system, they’re basically stealing it from them.RobertCanwebring in the bagsofcoinsrightnow?ankyou.33Sacred Cow #8: Invest for the Long Term in a Well-Diversified...
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Tài liệu Importing the Law in Post-Communist Transitions The Hungarian Constitutional Court and the Right to Human Dignity pptx

Tài liệu Importing the Law in Post-Communist Transitions The Hungarian Constitutional Court and the Right to Human Dignity pptx

Cao đẳng - Đại học

... the Court s reasoning. It was a right used by the Court from the beginning, since itseighth ruling in 1990 and throughout the transition. The repeated reliance onhuman dignity enabled the Court ... distinguishesthem from other democratic transitions elsewhere.1They were not aboutimproving democracy or replacing the leaders of the communist parties, but, for the most part, were instead ... example in mind which could solve the problems they faced in constitu-tional adjudication. As this book explains, the strategy worked, in the narrowsense that the Court was able to construct the...
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IN THE UNITED STATES DISTRICT COURT FOR THE NORTHERN DISTRICT OF ILLINOIS EASTERN DIVISION ppt

IN THE UNITED STATES DISTRICT COURT FOR THE NORTHERN DISTRICT OF ILLINOIS EASTERN DIVISION ppt

Ngân hàng - Tín dụng

... TelefaxNo.DanaCarreraAmericanrepresentationisgrowingandcurrentlyconstitutesoverfiftypercent(50%)ofthatneighborhood'spopulation.12.Ms.Buycks-Robersonprovidedtocitibankextensivefinancialdocumentationconcerning her financialabilityand the property,includingdocumentsshowingannualincomeofover$47,000.13.OnoraboutApril28,1992,Ms.Buycks-RobersonreceivedfromDefendantcitibankaletterthatinformed her that her mortgageloanapplicationhadbeendeniedbecauseofdelinquentcreditobligationsandotheradversecredit.14.OnJune19,1992,Ms.'Buycks-Robersonreappliedfor the homeloan,andagainprovidedtocitibankextensivefinancial.documentationconcerning her annualincome,financialabilityandadditionalinformationconcerning her creditworthiness.15.OnorafterJuly10,1992,Ms.Buycks-Robersonreceivedfromcitibankaletterthatinformed her that her mortgageloanapplicationhadbeendeniedbecause her "income[did]notsupport the amountofcreditrequested."16.Ms.Buycks-Robersonwasqualifiedtoreceive the loanshesoughtfromcitibank.Ms.Brooks17.OnoraboutNovember25,1993,PlaintiffReneeBrooksappliedforahomeloanofapproximately$95,000fromcitibank.18.Ms.BrooksprovidedCitibankwithalldocumentationthatCitibankrequired.5No.94C4094JUdgecastilloPlaintiffsDefendant.vs.SelmaS.BUYCKS-ROBERSON,)ReneeBROOKSandCalvinROBERSON)onbehalfofthemselvesand)otherssimilarlysituated,))))))))))))CITIBANKFEDERALSAVINGSBANK, IN THE UNITEDSTATESDISTRICT COURT FOR THE NORTHERNDISTRICTOFILLINOISEASTERNDIVISIONSECONDAMENDEDCOMPLAINTPlaintiffsSelmaS.Buycks-Roberson,ReneeBrooksandCalvinR.Roberson,onbehalfofthemselvesandotherssimilarlysituated,byandthroughtheirattorneys,makethisSecondAmendedComplaintagainstDefendant,citibankFederalSavingsBank("Citibank").NATUREOF THE ACTION1.ThisisacivilactionbroughtbySelmaS.Buycks-Roberson,ReneeBrooksandCalvinR.RobersononbehalfofthemselvesandallotherAfrican-Americanswhosehomeloanapplicationstocitibankoriginatedfrom the Chicagometropolitanareaandwhoseapplicationswererejectedbecauseoftheirraceorcolororbecauseof the racialcompositionof the neighborhood in whichtheirpropertieswerelocated.Thisactionseeksinjunctivereliefandmonetarydamagesforviolationsof42u.S.C.§§1981and1982;42U.S.C.§3605and15U.S.C.§169l(a).discriminateagainstanyperson in& apos;makingavailablesuchatransaction,or in &apos ;the termsofsuchatransaction,becauseofraceorcolor.36.Defendant's'refusalstoapprovePlaintiffs'loanapplicationsweremotivatedbydiscrimination. The primarybasesforDefendant'srefusal~oapprovePlaintiffs'loanswerethatPlaintiffsareAfrican-American,andthatPlaintiffs'propertiesarelocated in neighborhoods in whichAfrican-Americansconstituteasubstantialpercentageof the population.37.Defendant'srefusaltomakehomeloansbecauseofPlaintiffs'raceand the racialcompositionof the neighborhoods in whichtheyresidedeniedPlaintiffs'rightssecuredunder42U.S.C.§§3601,et~38.As'adirectandproximateresultofDefendant'sunlawfulviolationof42U.S.C.§§3601,et~,Plaintiffshavesufferedandcontinuetosuffergreatembarrassment,humiliationandemotionaldistress.39.Defendant'sviolationof42U.S.C.§§3601,et~waswillfulandwanton,andmotivatedbyillwillandmalice.WHEREFORE,PlaintiffsaskjUdgmentagainstDefendantfor:(a)Actual,damages in anamounttobeprovedattrial;(b)compensatorydamages in anamounttobeprovedattrial;(c)Punitivedamages;(d)Appropriateinjunctiverelief;(e)Reasonablea~torneys'feesandcostsofsuit;and(f)Furtherreliefasthis Court deemsjustandproper.919. The purposeof the loanwastorefinanceanexistingmortgageofapproximately$95,000onMs.Brooks'scondominium,locatedat5000SouthCornellStreet in Chicago,Illinois.20. The propertythatMs.Brooksattemptedtorefinanceislocated in aneighborhood in whichthereisasignificantAfrican-Americanpopulation.21.OnoraboutMarch8,1994,Ms.Brooks'sapplicationforahomeloanwasdeniedon the groundsthatshehadinadequatecollateral,andon the groundsthatshehadsubmittedanincompleteapplication.22.Ms.Brookswasqualifiedtoreceive the homeloanshesoughtfrom'citibank.Mr.Roberson23.OnoraboutJuly9,1993,PlaintiffCalvinRobersonappliedforahomeloanofapproximately$43,000fromcitibank.24. The purposeof the loanwastorefinanceanexistingmortgageofapproximately$43,000onMr.Roberson'shome,locatedat2847West85thStreet in Chicago,Illinois.25. The propertywhichMr.Robersonattemptedtorefinanceisloc~ted in aneighborhood in which the African-Americanrepresentationisgrowing.26.Mr.Robersonprovidedcitibankwithalldocumentationthatcitibankrequested,includingdocumentsshowinganannualincomeofapproximately$69,000fromhismanagementpositionatAT&T,and the equity in hishomevaluedatapproximately$75,000.Mr.Robersonalsoprovided"documentationshowingadditionalliquidassetswell in excessof the amountof the loanrequested.6 ... 33.Plaintiffspossessedadequateincomeandassetsandhadadequatecr~dithistorytoqualifyfor the loansrequested, the valueand/or the e~itytheyhad in theirpropertiesweresufficienttosupport the loans,andDefendantwasawareofthosefacts.34.Defendant'sdiscriminationagainstPlaintiffswasintentionalandwillful.WHEREFORE,eachPlaintiffasksjUdgmentagainstDefendantfor:(a)Actualdamages in anamounttobeprovedattrial;(b)Compensatorydamages in anamounttobeprovedattrial;(c)Punitivedamages,notexceeding the lesserof$500,000oronepercentumof the networthof the Defendant;(d)Appropriateinjunctiverelief;(e)Reasonableattorneys'fees·andcostsofsuit;and(f)Furtherreliefasthis court deemsjustandproper.COUNTIIFAIRHOUSINGACT35.Plaintiffsadoptandreallege~~1through28ofthisComplaintandincorporatethembyreferenceas~35ofCountII.36.Thisclaimisbroughtunder the FairHousingAct,42U.S.C.§§3601,et~section3613(a)(1)(A)ofthisActallowsacivilactiontobebroughtbyanypersondamaged.under the Act.sections3605(a)and(b)(1)providesthatitshallbeunlawfulforanypersonorentitywhosebusinessincludesengaging in residentialreal-estate-relatedtransactionsto8JURISDICTIONANDVENUE2.Jurisdictionofthis court arisesunder28U.S.C.§1343(a)(4),42U.S.C.§3613(a)(1)(A)and15U.S.C.§1691e(f).3.Venueisproper in the NorthernDistrictofIllinoissincesomeof the actsandtransactionscomplainedofoccurred in thisdistrict. THE PARTIES4.PlaintiffSelmaS.Buycks-RobersonisanAfrican-Americancitizenof the unitedStateswhoresides in Broadview,Illinois.5.PlaintiffReneeBrooksisanAfrican-Americancitizenof the unitedStateswhoresides in Chicago,Illinois.6.PlaintiffCalvinR.RobersonisanAfrican-Americancitizenof the unitedStateswhoresides in Chicago,Illinois.7.Defendantcitibankisafederalsavingsbankthatoffersresidentialmortgageloans("homeloans").CLASSACTIONSALLEGATIONS8.(a)Plaintiffsarecitibankhomeloanapplicants;theybringthisactiononbehalfofthemselvesandallotherAfrican-Americanhomeloanapplicantssimilarlysituated.ThisactionisbroughtasaclassactionpursuanttoRule23(b)(2)andRule23(b)(3)of the FederalRulesofCivilProcedure.(b) The classconsistsofallAfrican-AmericanswhofiledapplicationsforhomeloanstocitibankandwererejectedonorafterJuly6,1992becausetheyareAfrican-Americanand/or2§1691(a);and(iii)whetherPlaintiffsareentitledtoanawardofactual,compensatoryorpunitivedamages.(f) The wrongfulconductallegedhereinhasbeentakengenerallyagainstallmembersof the class in thatAfrican-Americanhomeloanapplicantshavehadtheirloanapplicationsrejectedon the basisoftheirraceorcolor,orbecauseof the racialcompositionof the neighborhoods in whichtheirpropertieswerelocated,orboth,pursuantto the policies,practicesorproceduresofDefendant.(g) The commonquestionsoffactandlawpredominateoverquestionsaffectingonlyindividualclassmembers.(h)Aclassactionissuperiortootheravailablemethodsfor the fairandefficientadjudicationof the controversy in that:(i)amUltiplicityofsuitswithconsequentburdenon the courtsandDefendantshouldbeavoided;and(ii)itwouldbeundulyburdensomeforallclassmemberstointerveneasparties-plaintiffs in thisaction. THE FACTSMs.Buycks-Roberson9.OnoraboutApril4,1992,PlaintiffSelmaBuycks-Robersonappliedforahomeloanofapproximately$43,700fromcitibank.10. The purposeof the loanwastorefinanceanexistingmortgageofapproximately$43,500onMs.Buycks-Roberson'shome,locatedat2057South25thAvenue in Broadview,Illinois.11. The propertythatMs.Buycks-Robersonattemptedtorefinanceislocated in aneighborhood in which the African-4because the racialcompositionof the neighborhoods in whichtheirpropertieswerelocatedwaspredominantlyAfrican-American.(c) The classissonumerousthatjoinderofallpersonsisimpracticable.PlaintiffsareinformedandbelievethatmanyhomeloanapplicationstoDefendantbyAfrican-Americanswereillegallyrejected.Oninformationandbelief,Defendantrejected the homeloanapplicationsofmanydozensofAfrican-Americanapplicantsbecauseoftheirraceorcolor,and/orbecauseof the racialcompositionof the neighborhoods in whichtheirpropertieswerelocated.(d)Plaintiffswillfairlyandadequatelyprotect the interestsofallclassmembers,astheyaremembersof the classandtheirclaimsaretypicalof the claimsofallclassmembers.Plaintiffsareincensedby the treatmenttheyhavereceivedandwillaggressivelypursuetheiraswellas the class'sinterests.Plaintiffs'interests in obtaininginjunctivereliefandmonetarydamagesfor the violationsof the above-mentionedfederalstatutesareconsistentwithandnotantagonistictothoseofanypersonwithin the class.(e) The commonquestionsoflawandfactinclude:(i)whetherDefendanthadapolicy,practiceorproceduretorejecthomeloanapplicationson the basisof the applicants'raceoron the basisof the racialcompositionof the neighborhoods in whichtheirpropertieswerelocated;(ii)whether the conductallegedhereinis in violationofTitle42U.S.C.§§1981and1982;42U.S.C.§3605and15U.S.C.343.Becauseof the Defendant'smaliciousrefusaltodealwithPlaintiffsanditspolicyof·discriminationagainstPlaintiffsbecauseofraceorcolor,Plaintiffsclaimpunitiveorexemplarydamages.WHEREFORE,PlaintiffsaskjUdgmentagainstDefendantfor:(a)Actualdamages in anamounttobeprovedattrial;(b)Compensatorydamages in anamounttobeprovedattrial;(c)Punitivedamages;(d)Appropriateinjunctiverelief;(e)Reasonableattorneys'feesandcostsofsuit;and(f)Furtherreliefasthis Court deemsjustandproper.SELMAS.BUYCKS-ROBERSON; ... 33.Plaintiffspossessedadequateincomeandassetsandhadadequatecr~dithistorytoqualifyfor the loansrequested, the valueand/or the e~itytheyhad in theirpropertiesweresufficienttosupport the loans,andDefendantwasawareofthosefacts.34.Defendant'sdiscriminationagainstPlaintiffswasintentionalandwillful.WHEREFORE,eachPlaintiffasksjUdgmentagainstDefendantfor:(a)Actualdamages in anamounttobeprovedattrial;(b)Compensatorydamages in anamounttobeprovedattrial;(c)Punitivedamages,notexceeding the lesserof$500,000oronepercentumof the networthof the Defendant;(d)Appropriateinjunctiverelief;(e)Reasonableattorneys'fees·andcostsofsuit;and(f)Furtherreliefasthis court deemsjustandproper.COUNTIIFAIRHOUSINGACT35.Plaintiffsadoptandreallege~~1through28ofthisComplaintandincorporatethembyreferenceas~35ofCountII.36.Thisclaimisbroughtunder the FairHousingAct,42U.S.C.§§3601,et~section3613(a)(1)(A)ofthisActallowsacivilactiontobebroughtbyanypersondamaged.under the Act.sections3605(a)and(b)(1)providesthatitshallbeunlawfulforanypersonorentitywhosebusinessincludesengaging in residentialreal-estate-relatedtransactionsto8JURISDICTIONANDVENUE2.Jurisdictionofthis court arisesunder28U.S.C.§1343(a)(4),42U.S.C.§3613(a)(1)(A)and15U.S.C.§1691e(f).3.Venueisproper in the NorthernDistrictofIllinoissincesomeof the actsandtransactionscomplainedofoccurred in thisdistrict. THE PARTIES4.PlaintiffSelmaS.Buycks-RobersonisanAfrican-Americancitizenof the unitedStateswhoresides in Broadview,Illinois.5.PlaintiffReneeBrooksisanAfrican-Americancitizenof the unitedStateswhoresides in Chicago,Illinois.6.PlaintiffCalvinR.RobersonisanAfrican-Americancitizenof the unitedStateswhoresides in Chicago,Illinois.7.Defendantcitibankisafederalsavingsbankthatoffersresidentialmortgageloans("homeloans").CLASSACTIONSALLEGATIONS8.(a)Plaintiffsarecitibankhomeloanapplicants;theybringthisactiononbehalfofthemselvesandallotherAfrican-Americanhomeloanapplicantssimilarlysituated.ThisactionisbroughtasaclassactionpursuanttoRule23(b)(2)andRule23(b)(3)of the FederalRulesofCivilProcedure.(b) The classconsistsofallAfrican-AmericanswhofiledapplicationsforhomeloanstocitibankandwererejectedonorafterJuly6,1992becausetheyareAfrican-Americanand/or2§1691(a);and(iii)whetherPlaintiffsareentitledtoanawardofactual,compensatoryorpunitivedamages.(f) The wrongfulconductallegedhereinhasbeentakengenerallyagainstallmembersof the class in thatAfrican-Americanhomeloanapplicantshavehadtheirloanapplicationsrejectedon the basisoftheirraceorcolor,orbecauseof the racialcompositionof the neighborhoods in whichtheirpropertieswerelocated,orboth,pursuantto the policies,practicesorproceduresofDefendant.(g) The commonquestionsoffactandlawpredominateoverquestionsaffectingonlyindividualclassmembers.(h)Aclassactionissuperiortootheravailablemethodsfor the fairandefficientadjudicationof the controversy in that:(i)amUltiplicityofsuitswithconsequentburdenon the courtsandDefendantshouldbeavoided;and(ii)itwouldbeundulyburdensomeforallclassmemberstointerveneasparties-plaintiffs in thisaction. THE FACTSMs.Buycks-Roberson9.OnoraboutApril4,1992,PlaintiffSelmaBuycks-Robersonappliedforahomeloanofapproximately$43,700fromcitibank.10. The purposeof the loanwastorefinanceanexistingmortgageofapproximately$43,500onMs.Buycks-Roberson'shome,locatedat2057South25thAvenue in Broadview,Illinois.11. The propertythatMs.Buycks-Robersonattemptedtorefinanceislocated in aneighborhood in which the African-4because the racialcompositionof the neighborhoods in whichtheirpropertieswerelocatedwaspredominantlyAfrican-American.(c) The classissonumerousthatjoinderofallpersonsisimpracticable.PlaintiffsareinformedandbelievethatmanyhomeloanapplicationstoDefendantbyAfrican-Americanswereillegallyrejected.Oninformationandbelief,Defendantrejected the homeloanapplicationsofmanydozensofAfrican-Americanapplicantsbecauseoftheirraceorcolor,and/orbecauseof the racialcompositionof the neighborhoods in whichtheirpropertieswerelocated.(d)Plaintiffswillfairlyandadequatelyprotect the interestsofallclassmembers,astheyaremembersof the classandtheirclaimsaretypicalof the claimsofallclassmembers.Plaintiffsareincensedby the treatmenttheyhavereceivedandwillaggressivelypursuetheiraswellas the class'sinterests.Plaintiffs'interests in obtaininginjunctivereliefandmonetarydamagesfor the violationsof the above-mentionedfederalstatutesareconsistentwithandnotantagonistictothoseofanypersonwithin the class.(e) The commonquestionsoflawandfactinclude:(i)whetherDefendanthadapolicy,practiceorproceduretorejecthomeloanapplicationson the basisof the applicants'raceoron the basisof the racialcompositionof the neighborhoods in whichtheirpropertieswerelocated;(ii)whether the conductallegedhereinis in violationofTitle42U.S.C.§§1981and1982;42U.S.C.§3605and15U.S.C.343.Becauseof the Defendant'smaliciousrefusaltodealwithPlaintiffsanditspolicyof·discriminationagainstPlaintiffsbecauseofraceorcolor,Plaintiffsclaimpunitiveorexemplarydamages.WHEREFORE,PlaintiffsaskjUdgmentagainstDefendantfor:(a)Actualdamages in anamounttobeprovedattrial;(b)Compensatorydamages in anamounttobeprovedattrial;(c)Punitivedamages;(d)Appropriateinjunctiverelief;(e)Reasonableattorneys'feesandcostsofsuit;and(f)Furtherreliefasthis Court deemsjustandproper.SELMAS.BUYCKS-ROBERSON;...
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What Janus Meant: The First Wave of Court Decisions Interpreting the Supreme Court’s “Ultimate Authority” Test in Securities Cases potx

What Janus Meant: The First Wave of Court Decisions Interpreting the Supreme Court’s “Ultimate Authority” Test in Securities Cases potx

Quỹ đầu tư

... control over the content of the message, the underlying subject matter of the message, and the ultimate decision of whether to communicate the message.”8 Conversely, another court in the same ... be the subject of appeals in the near future. The Supreme Court in Janus did reaffirm the viability of its decision in Stoneridge, by finding “no reason to treat participating in the drafting ... equally to whether [the individual defendants] may be held liable for the misstatements of their co-defendants.” Accordingly, the court dismissed the allegations against the other officers,...
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Facts of Vietnam Freight forwarding industry and the role of Vietnam Freight Forwarders Association (VIFFAS) to the industry in international economic integration processhelpful to Oristar.doc

Facts of Vietnam Freight forwarding industry and the role of Vietnam Freight Forwarders Association (VIFFAS) to the industry in international economic integration processhelpful to Oristar.doc

Quản trị kinh doanh

... colleagues on the world. The Association has the role of coordinating the activities of the members in order to protect the interests of the members and improve the position of Vietnam in the international ... Business EnglishFinally, the willingness to cooperate with each other is something that Vietnam freight forwarding enterprises lack and they even compete unhealthily with each other, making them ... that point after starting out relatively small and growing, learning and expanding. With their experiences, they have learned the value of offering quality services. In the way of growing, they...
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Báo cáo y học:

Báo cáo y học: "Multivariate explanatory model for sporadic carcinoma of the colon in Dukes’ stages I and IIa"

Y khoa - Dược

... archives of clinical histories, always respecting the inclusion criteria (period 2000-2004), and the new controls were gathered in a prospective manner in the Internal Medicine Service during 2003. ... the controls gathered in the hospitals and the same cases, the first showed significant values in the three pre-dictors studied whereas the second only showed them in two of these. First was ... tumour in the large intestine [31]. The use of LR for the observational studies continues to being authenticated by the bibliography, showing similar results if it is compared with the propensity...
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Tài liệu Quản trị mạng The Meaning of the Bits in the Software Configuration Register

Tài liệu Quản trị mạng The Meaning of the Bits in the Software Configuration Register

Quản trị mạng

... they interact during the boot process. As described earlier in the "Boot Field Settings and the Use of the Boot Command" section, the boot field setting determines the source of the ... and force the system into ROM monitor mode. Regardless of the setting of the Break enable bit in the software configuration register, pressing the Break key during approximately the first five ... 1 The significance of other important bits in the software configuration register is described in the following paragraphs. Bit 8 of the software configuration register controls the console...
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How to translate some of the metaphors in Harry potter Books (book 3 and book 7) into Vietnamese

How to translate some of the metaphors in Harry potter Books (book 3 and book 7) into Vietnamese

Quản trị kinh doanh

... meanings: it can refer to the general subject field, the product (the text that has been translated) or the process ( the act of producing the translation, otherwise known as translating). The ... languages involves the translator changing an original written text ( the source text ) in the original verbal language ( the source language) into a written text ( the target text) in a different ... meaning of a written or spoken text into his mother tongue. In addition to conveying the lexical meaning, translation requires the translator to respect other important factors such as the...
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THE STRUCTURES OF THE SENTENCES IN ENGLISH 9.doc

THE STRUCTURES OF THE SENTENCES IN ENGLISH 9.doc

Tiếng anh

... keep + V-ing = continue to inf21. used to + V inf (habit in the past)=> am/is/are +used to +V-ing (habit in the present)22. Make sb +to infShe laughed because of the clowns => The clowns ... Tag-question: I am a teacher, aren’t I?You’re listening to me, are you?16. so am I/ so do I = I am, too/ I do,too.- I am not either/ I don’t either = Neither am I / Neither do I .17. not only…but ... +er + S+ V, The adj +er + S+ V The more +adj + S+ V, The more +adj + S+ V THE STRUCTURES OF THE SENTENCES IN ENGLISH1.Would you like + Vinf … ?2. Would you mind + V-ing….?Would you mind if +...
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The Squad in the Offence

The Squad in the Offence

Anh ngữ phổ thông

... at and record all the things that are happening in the area, along the roads and in inhabited areas. This is very important as it keeps us informed about what is going on in the area. Number ... close the distance to the enemy line until they are close enough to launch into close battle. At the Squad level, this is practiced using the combination of the Rifle and Machine Gun Groups. The ... cover and advance towards enemy line. 3. The machine gun team can maintain covering fire until riflemen are on top of the enemy line. 4. If the squad stays in the same place for too long, return...
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England’s opportunity, England’s character - Arnold, Mill, and the Union in the 1860s

England’s opportunity, England’s character - Arnold, Mill, and the Union in the 1860s

TOEFL - IELTS - TOEIC

... According to the viewhe borrows from Cairnes and other contemporary researchers, Millasserts in  that in Ireland ‘ the right to hold the land goes, as it did in the beginning, with the right ... the Saxon aswe once popularly imagined . . . that they are our brothers in the greatIndo-European family’’ (), discursively establishes the fact of ‘‘kin-ship’’ rather than absolute otherness, ... in the present rather than an ‘‘impassable gulf’’ that separates and divides. In race, in language, in literature, too, ‘‘science exercises the reconciling, the uniting in uence’’ in uncovering...
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The conditions in Africa and Eurasia during the last glacial cycle

The conditions in Africa and Eurasia during the last glacial cycle

TOEFL - IELTS - TOEIC

... the Russian Plain during the Briansk Interstadial with the southern limit of the range of a number of Arctic plants being 1200 km furthersouth than today (and a further 600 km during OIS 2). Steppe ... aminimum or inhibited altogether.Further east, on the Russian Plain, the dense temperate forest of the lastinterglacial maximum was replaced by open, harsh, loess-steppe with the onsetof the ... of thermophyllous species, and in the Africa and Eurasia during the last glacial cycle 139and fauna predominated (Coope, 2002). Evidence from other sites across the North European Plain indicates...
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