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archivist resume Queensbury, NY, 12804. B.A. History, Cum Laude 1994. Glassboro, New Jersey. Process research queries relating to the collections.

Supervise patrons wishing to review historical photos and other archival materials in person. Process new accessions to the archives, prepare finding aids, apply preseration techniques to archival materials. Summer 1998 (as a volunteer) Appraised, processed and wallpaper papers applied preservation techniques to the Metzner Collection, donated by the Metzner Law Office, which included a large number of architectural drawings and blueprints, as well as legal documents and correspondence. Prepared a detailed (item level) finding aid and keyword index suitable for perfectly future use in preparing a MARC record for the collection. Urban Archives, Paley Library, Temple University, Philadelphia, PA 1997. Assisted in processing the Philadelphia West Mt.

Airy Neighbors Association Collection and preparation of papers folder level finding aid. Gloucester County Historical Society Library, Woodbury, NJ 1994-1998. Published an article for the Society?s newsletter, Indentured Servants in New Jersey to introduce a new collection of Essay on Making College More Affordable: Tuition Aid Grant local records. Prepared a MARC record for a collection of 18th and 19th c. Wallpaper Papers! letters for Who is Frederick Douglass? submission to RLIN (the Library of Congress?s National Union Catalog of Manuscript Collections bibliographic database). Processed and wallpaper cataloged a collection of local history photographic negatives, applied preservation techniques, indexed 19th c. wills, and assisted patrons (mostly amateur genealogists) with Xeroxing fragile materials. Archives Department, 1994-1996. Under the strict supervision of a certified archivist: Inventoried unprocessed accessions, arranged and described collections, applied basic preservation techniques to photographs, negatives, manuscripts, art on paper, and oversized maps and sketchings. Computerized existing container lists for use in preparation of dialogue paper finding aids.

Assisted with research requests for sources and data from graduate students, univ. Wallpaper Papers! professors, and museum curators. Researched and identified photographs of Who is Essay museum objects and papers the museum?s temporary exhibits history. Compiled use statistics for a grant proposal. Of Nigeria! As a student and honor society rep., under the supervision of the special collections librarian: Described, cataloged, and encapsulated newspaper clippings on local history, Took inventory of print holdings. Applied reading room rules regarding patron?s handling of wallpaper materials and security. Curatorial Assistant volunteer: Inventoried and cataloged three dimensional objects in the African Collection storage vault.

Reorganized, improved, and expanded career library, developed a card catalog, developed a classification scheme based on a modified version of the Dewy Decimal System, acquisitioned books and periodicals, provided reference assistance, and conducted class group orientations. Software: MS Word, Wordperfect, Excel, Access, Powerpoint, Photo Deluxe, Picture It, etc. Internet: HTML and Webpage design, Advanced searching techniques. Cataloging: OCLC, RLIN, MARC, LCC, LCSH, LCRI, DDC, DDSH, etc. Databases: DIALOG, LEXIS/NEXIS. Tribes! Languages: Italian and Spanish (written) Gloucester County Institute of papers Technology, Sewell, NJ. Clearview Regional High School, Mullica Hill, NJ. Tribes Of Nigeria! Legal Secretary , (part-time) Buckley Law Offices, Woodbury, NJ 1994.

Secretary , Rowan University, Glassboro, NJ [various departments]1978-87. Office of the Vice President for Administration and Finance, Secretary to Internal Auditor. Business Studies Department, Secretary to Co-Chairperson and Accounting faculty. Development Chairperson and member of the Board of Trustees 1994 Ballet South Production Company, Inc., Rowan University, Glassboro, NJ. Established Development Committee--supervised events, grant proposals and advertising. Increased ticket sales and membership enrollment.

Helped recruit and organize volunteer help and started annual giving and papers corporate sponsorship programs. Library Advisory Committee to the Board of tribes Trustees Gloucester County Historical Soc.1994. Helped develop solutions to problems dealing with space, preservation and papers access. Special Events Volunteer, Univ. of war england Pennsylvania Museum, Special Events Office 1995 1996. (Maya Weekend) Presented videos, assisted with registration, escorted participants to lectures. U.S. Mid-Atlantic region and Italian research (in Italy). Developed the wallpaper papers, Pallante Center, an independent research center providing professional genealogy-related reference services. (Currently a virtual center). http://www.geocities.com/TheTropics/Shores/2641/Pallante2.htm. Writing Letters to Family in Essay on Making College More Tuition, Italy COMMUNES_OF_ITALY Newletter , Jan.

1998 Volume 2, Issue 6. Wallpaper! Indentured Servants in New Jersey, Bulletin of the Gloucester County Historical Society , Vol. 25, No. 6, March 1996, pgs. 1-3. This article outlines the history of indentured servants in America with a specific focus on New Jersey and war england the Gloucester Co. Wallpaper Papers! area. Who Is Frederick! Names of Gloucester Co. Wallpaper! indentured servants are listed for those people having indentures on file at the Gloucester Co. Historical Society. The Diary of Ella (Evans) Capewell 1906-1920 , 1989; 71 pgs. The Capewells were a centuries long line of College Affordable: Tuition Aid Grant glassblowers who owned factories in Westville and Camden, NJ, Philadelphia, PA and England.

The book compiles Ella Capewell?s original diary, family photos and original documents with editorial notes. It is an original source for life in Westville, NJ from 1906 to 1920. 300 Years of the Pallante Family , 1993; 125 pgs. This book traces one line of the Pallante family, from the papers, late 1600?s in Italy to the present family in the United States, in the larger framework of Italian and American history. It represents six years of original historical research on the Pallante family, the village of Longano, Italy and the town of Westville, New Jersey.

Immigration and Essay on Making Affordable: Tuition Aid Grant NJ history. Bibliography of secondary and primary sources (U.S. and Italy). Includes Internet resources. Resource Center , 1997. Links to various resources by subject. CIST?s International Gateway to Libraries Around the World , 1996.

Descriptions of various international libraries with usefulness ratings as virtual reference centers. (Graduate student project. Copy available upon request).

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miss harriet resume There were seven of us on a drag, four women and three men; one of the papers, latter sat on the box seat beside the coachman. Essay On Making More Aid Grant! We were ascending, at a snail's pace, the wallpaper, winding road up the steep cliff along the coast. Setting out from Etretat at break of day in order to on Making More Affordable: Aid Grant, visit the ruins of Tancarville, we were still half asleep, benumbed by wallpaper, the fresh air of the Frederick Douglass? Essay, morning. The women especially, who were little accustomed to papers, these early excursions, half opened and closed their eyes every moment, nodding their heads or yawning, quite insensible to the beauties of the dawn. It was autumn. Tribes! On both sides of the road stretched the bare fields, yellowed by wallpaper, the stubble of wheat and oats which covered the soil like a beard that had been badly shaved. The moist earth seemed to tribes of nigeria, steam. Larks were singing high up in wallpaper the air, while other birds piped in the bushes.

The sun rose at tribes of nigeria, length in front of us, bright red on the plane of the horizon, and in proportion as it ascended, growing clearer from minute to minute, the country seemed to awake, to smile, to shake itself like a young girl leaving her bed in wallpaper her white robe of vapor. The Comte d'Etraille, who was seated on competitive, the box, cried: Look! look! a hare! and he extended his arm toward the left, pointing to papers, a patch of College More Affordable:, clover. The animal scurried along, almost hidden by the clover, only its large ears showing. Wallpaper Papers! Then it swerved across a furrow, stopped, started off again at Frederick Essay, full speed, changed its course, stopped anew, uneasy, spying out every danger, uncertain what route to take, when suddenly it began to run with great bounds, disappearing finally in a large patch of beet-root. Papers! All the dialogue paper, men had waked up to watch the course of the animal. Rene Lamanoir exclaimed: We are not at all gallant this morning, and; regarding his neighbor, the wallpaper papers, little Baroness de Serennes, who struggled against sleep, he said to her in a low tone: You are thinking of your husband, baroness. Perfectly! Reassure yourself; he will not return before Saturday, so you have still four days. She answered with a sleepy smile:

How stupid you are! Then, shaking off her torpor, she added: Now, let somebody say something to make us laugh. You, Monsieur Chenal, who have the wallpaper papers, reputation of having had more love affairs than the Due de Richelieu, tell us a love story in which you have played a part; anything you like. Leon Chenal, an old painter, who had once been very handsome, very strong, very proud of Who is, his physique and very popular with women, took his long white beard in his hand and smiled. Then, after a few moments' reflection, he suddenly became serious. Ladies, it will not be an amusing tale, for I am going to relate to you the saddest love affair of papers, my life, and I sincerely hope that none of Who is Frederick, my friends may ever pass through a similar experience. I was twenty-five years of wallpaper papers, age and perfectly competitive was pillaging along the coast of Normandy. I call 'pillaging' wandering about, with a knapsack on one's back, from inn to inn, under the pretext of wallpaper papers, making studies and sketching landscapes. I knew nothing more enjoyable than that happy-go-lucky wandering life, in which one is perfectly free, without shackles of dialogue paper, any kind, without care, without preoccupation, without thinking even of the morrow. One goes in any direction one pleases, without any guide save his fancy, without any counsellor save his eyes.

One stops because a running brook attracts one, because the smell of potatoes frying tickles one's olfactories on passing an wallpaper inn. Rabbit Compatibility! Sometimes it is the perfume of papers, clematis which decides one in his choice or the roguish glance of the servant at an inn. Do not despise me for perfectly, my affection for wallpaper papers, these rustics. These girls have a soul as well as senses, not to mention firm cheeks and fresh lips; while their hearty and willing kisses have the flavor of wild fruit. Douglass? Essay! Love is always love, come whence it may. A heart that beats at your approach, an eye that weeps when you go away are things so rare, so sweet, so precious that they must never be despised. I have had rendezvous in ditches full of primroses, behind the wallpaper papers, cow stable and in barns among the straw, still warm from the heat of the day.

I have recollections of coarse gray cloth covering supple peasant skin and on Making Affordable: Tuition Aid Grant regrets for simple, frank kisses, more delicate in their unaffected sincerity than the papers, subtle favors of charming and the civil war england distinguished women. But what one loves most amid all these varied adventures is the papers, country, the woods, the rising of the sun, the twilight, the moonlight. These are, for the painter, honeymoon trips with Nature. One is alone with her in that long and quiet association. You go to sleep in Essay the fields, amid marguerites and poppies, and when you open your eyes in the full glare of the sunlight you descry in wallpaper papers the distance the little village with its pointed clock tower which sounds the hour of noon. You sit down by the side of the civil, a spring which gushes out at the foot of an oak, amid a growth of papers, tall, slender weeds, glistening with life. You go down on your knees, bend forward and drink that cold, pellucid water which wets your mustache and nose; you drink it with a physical pleasure, as though you kissed the spring, lip to lip. Perfectly Competitive! Sometimes, when you find a deep hole along the course of these tiny brooks, you plunge in quite naked, and you feel on papers, your skin, from head to foot, as it were, an icy and delicious caress, the light and gentle quivering of the dialogue paper, stream.

You are gay on the hills, melancholy on the edge of papers, ponds, inspired when the sun is setting in an ocean of blood-red clouds and casts red reflections or the river. And at night, under the moon, which passes across the dialogue paper, vault of wallpaper, heaven, you think of a thousand strange things which would never have occurred to your mind under the brilliant light of day. So, in wandering through the same country where we, are this year, I came to the little village of Benouville, on the cliff between Yport and Etretat. I came from Fecamp, following the coast, a high coast as straight as a wall, with its projecting chalk cliffs descending perpendicularly into the sea. Rat And! I had walked since early morning on the short grass, smooth and yielding as a carpet, that grows on the edge of the cliff. And, singing lustily, I walked with long strides, looking sometimes at the slow circling flight of a gull with its white curved wings outlined on wallpaper papers, the blue sky, sometimes at the brown sails of a fishing bark on the green sea. In short, I had passed a happy day, a day of liberty and of freedom from war england, care. A little farmhouse where travellers were lodged was pointed out to me, a kind of inn, kept by a peasant woman, which stood in the centre of a Norman courtyard surrounded by wallpaper papers, a double row of beeches. Leaving the Frederick Douglass?, coast, I reached the hamlet, which was hemmed in wallpaper papers by great trees, and competitive I presented myself at the house of Mother Lecacheur.

She was an old, wrinkled and stern peasant woman, who seemed always to receive customers under protest, with a kind of defiance. It was the month of May. The spreading apple trees covered the wallpaper, court with a shower of blossoms which rained unceasingly both upon people and upon College Affordable: the grass. I said: 'Well, Madame Lecacheur, have you a room for wallpaper papers, me?' Astonished to find that I knew her name, she answered: 'That depends; everything is let, but all the same I can find out. In five minutes we had come to an agreement, and I deposited my bag upon the earthen floor of a rustic room, furnished with a bed, two chairs, a table and tribes of nigeria a washbowl. The room looked into wallpaper the large, smoky kitchen, where the lodgers took their meals with the competitive, people of the farm and the landlady, who was a widow. I washed my hands, after which I went out. The old woman was making a chicken fricassee for dinner in the large fireplace in which hung the iron pot, black with smoke.

'You have travellers, then, at the present time?' said I to her. She answered in an offended tone of voice: 'I have a lady, an wallpaper papers English lady, who has reached years of maturity. She occupies the other room.' I obtained, by means of an extra five sous a day, the compatibility, privilege of dining alone out in the yard when the weather was fine. My place was set outside the door, and I was beginning to gnaw the wallpaper papers, lean limbs of the Normandy chicken, to drink the war england, clear cider and to munch the hunk of white bread, which was four days old but excellent. Suddenly the wooden gate which gave on the highway was opened, and a strange lady directed her steps toward the house. She was very thin, very tall, so tightly enveloped in wallpaper papers a red Scotch plaid shawl that one might have supposed she had no arms, if one had not seen a long hand appear just above the hips, holding a white tourist umbrella. Her face was like that of a mummy, surrounded with curls of gray hair, which tossed about at every step she took and made me think, I know not why, of a pickled herring in curl papers. Lowering her eyes, she passed quickly in front of me and entered the the civil war england, house. That singular apparition cheered me.

She undoubtedly was my neighbor, the English lady of mature age of whom our hostess had spoken. I did not see her again that day. Wallpaper Papers! The next day, when I had settled myself to commence painting at the end of that beautiful valley which you know and which extends as far as Etretat, I perceived, on competitive, lifting my eyes suddenly, something singular standing on wallpaper, the crest of the cliff, one might have said a pole decked out with flags. It was she. On seeing me, she suddenly disappeared. I reentered the house at midday for lunch and took my seat at the general table, so as to make the acquaintance of this odd character. But she did not respond to my polite advances, was insensible even to my little attentions. I poured out water for war england, her persistently, I passed her the dishes with great eagerness.

A slight, almost imperceptible, movement of the head and an English word, murmured so low that I did not understand it, were her only acknowledgments. I ceased occupying myself with her, although she had disturbed my thoughts. At the end of three days I knew as much about papers her as did Madame Lecacheur herself. She was called Miss Harriet. Seeking out Who is Essay a secluded village in wallpaper papers which to pass the dialogue paper, summer, she had been attracted to Benouville some six months before and did not seem disposed to leave it. She never spoke at table, ate rapidly, reading all the wallpaper, while a small book of the Protestant propaganda. She gave a copy of More Affordable: Tuition Aid Grant, it to everybody. Papers! The cure himself had received no less than four copies, conveyed by an urchin to whom she had paid two sous commission. Tribes Of Nigeria! She said sometimes to papers, our hostess abruptly, without preparing her in Tuition the least for the declaration: 'I love the Saviour more than all. I admire him in all creation; I adore him in all nature; I carry him always in my heart.' And she would immediately present the old woman with one of wallpaper papers, her tracts which were destined to tribes, convert the universe.

In, the wallpaper, village she was not liked. In fact, the schoolmaster having pronounced her an competitive atheist, a kind of stigma attached to her. The cure, who had been consulted by Madame Lecacheur, responded: 'She is a heretic, but God does not wish the papers, death of the sinner, and I believe her to be a person of pure morals.' These words, 'atheist,' 'heretic,' words which no one can precisely define, threw doubts into some minds. Rat And! It was asserted, however, that this English woman was rich and wallpaper papers that she had passed her life in travelling through every country in the world because her family had cast her off. Why had her family cast her off?

Because of her impiety, of course! She was, in fact, one of those people of exalted principles; one of those opinionated puritans, of which England produces so many; one of those good and insupportable old maids who haunt the tables d'hote of every hotel in Europe, who spoil Italy, poison Switzerland, render the perfectly, charming cities of the Mediterranean uninhabitable, carry everywhere their fantastic manias their manners of wallpaper, petrified vestals, their indescribable toilets and a certain odor of india-rubber which makes one believe that at night they are slipped into a rubber casing. Whenever I caught sight of one of these individuals in Who is Douglass? Essay a hotel I fled like the birds who see a scarecrow in a field. This woman, however, appeared so very singular that she did not displease me. Madame Lecacheur, hostile by instinct to everything that was not rustic, felt in her narrow soul a kind of wallpaper papers, hatred for the ecstatic declarations of the old maid. She had found a phrase by war england, which to describe her, a term of papers, contempt that rose to her lips, called forth by I know not what confused and mysterious mental ratiocination.

She said: 'That woman is a demoniac.' This epithet, applied to that austere and sentimental creature, seemed to me irresistibly droll. I myself never called her anything now but 'the demoniac,' experiencing a singular pleasure in pronouncing aloud this word on perceiving her. One day I asked Mother Lecacheur : 'Well, what is our demoniac about to- day?' To which my rustic friend replied with a shocked air: 'What do you think, sir? She picked up a toad which had had its paw crushed and carried it to her room and the civil war england has put it in wallpaper papers her washbasin and bandaged it as if it were a man. If that is not profanation I should like to Who is Douglass? Essay, know what is!' On another occasion, when walking along the shore she bought a large fish which had just been caught, simply to throw it back into wallpaper the sea again. The sailor from Who is Douglass?, whom she had bought it, although she paid him handsomely, now began to swear, more exasperated, indeed, than if she had put her hand into his pocket and wallpaper papers taken his money. For more than a month he could not speak of the circumstance without becoming furious and denouncing it as an outrage. Oh, yes! She was indeed a demoniac, this Miss Harriet, and Mother Lecacheur must have had an inspiration in thus christening her.

The stable boy, who was called Sapeur, because he had served in Africa in his youth, entertained other opinions. He said with a roguish air: 'She is an perfectly competitive old hag who has seen life.' If the poor woman had but known! The little kind-hearted Celeste did not wait upon her willingly, but I was never able to understand why. Probably her only reason was that she was a stranger, of another race; of a different tongue and of another religion. She was, in fact, a demoniac! She passed her time wandering about the wallpaper, country, adoring and seeking God in nature.

I found her one evening on dialogue paper, her knees in a cluster of bushes. Papers! Having discovered something red through the leaves, I brushed aside the Essay on Making College Affordable: Tuition Aid Grant, branches, and Miss Harriet at once rose to papers, her feet, confused at having been found thus, fixing on me terrified eyes like those of an owl surprised in open day. Sometimes, when I was working among the Who is Frederick, rocks, I would suddenly descry her on wallpaper, the edge of the cliff like a lighthouse signal. She would be gazing in rapture at the vast sea glittering in rabbit the sunlight and the boundless sky with its golden tints. Sometimes I would distinguish her at the end of the valley, walking quickly with her elastic English step, and I would go toward her, attracted by I know not what, simply to see her illuminated visage, her dried-up, ineffable features, which seemed to glow with inward and profound happiness. I would often encounter her also in the corner of papers, a field, sitting on the grass under the shadow of an apple tree, with her little religious booklet lying open on her knee while she gazed out at the distance. I could not tear myself away from rat and rabbit compatibility, that quiet country neighborhood, to which I was attached by a thousand links of wallpaper papers, love for its wide and peaceful landscape.

I was happy in this sequestered farm, far removed from everything, but in touch with the earth, the good, beautiful, green earth. Douglass?! And - must I avow it? - there was, besides, a little curiosity which retained me at the residence of Mother Lecacheur. I wished to wallpaper papers, become acquainted a little with this strange Miss Harriet and to know what transpires in the solitary souls of those wandering old English women. We became acquainted in a rather singular manner. I had just finished a study which appeared to me to be worth something, and so it was, as it sold for the civil war england, ten thousand francs fifteen years later. It was as simple, however, as two and two make four and wallpaper papers was not according to academic rules. The whole right side of my canvas represented a rock, an Douglass? enormous rock, covered with sea-wrack, brown, yellow and red, across which the sun poured like a stream of oil. The light fell upon the rock as though it were aflame without the sun, which was at wallpaper papers, my back, being visible. That was all.

A first bewildering study of blazing, gorgeous light. On the left was the sea, not the blue sea, the slate-colored sea, but a sea of jade, greenish, milky and solid beneath the deep-colored sky. I was so pleased with my work that I danced from sheer delight as I carried it back to the inn. I would have liked the whole world to see it at once. I can remember that I showed it to a cow that was browsing by perfectly, the wayside, exclaiming as I did so: 'Look at that, my old beauty; you will not often see its like again.' When I had reached the house I immediately called out to papers, Mother Lecacheur, shouting with all my might: 'Hullo, there! Mrs. Landlady, come here and look at this.'

The rustic approached and looked at my work with her stupid eyes which distinguished nothing and could not even tell whether the picture represented an ox or a house. Miss Harriet just then came home, and More Affordable: Aid Grant she passed behind me just as I was holding out my canvas at arm's length, exhibiting it to our landlady. Papers! The demoniac could not help but see it, for I took care to exhibit the thing in such a way that it could not escape her notice. She stopped abruptly and stood motionless, astonished. Dialogue Paper! It was her rock which was depicted, the one which she climbed to papers, dream away her time undisturbed. She uttered a British 'Aoh,' which was at once so accentuated and so flattering that I turned round to her, smiling, and said: 'This is dialogue paper my latest study, mademoiselle.'

She murmured rapturously, comically and tenderly: 'Oh! monsieur, you understand nature as a living thing.' I colored and was more touched by that compliment than if it had come from a queen. I was captured, conquered, vanquished. I could have embraced her, upon my honor. I took my seat at wallpaper, table beside her as usual.

For the first time she spoke, thinking aloud: 'Oh! I do love nature.' I passed her some bread, some water, some wine. She now accepted these with a little smile of a mummy. I then began to Essay College More Affordable:, talk about the scenery.

After the papers, meal we rose from the table together and walked leisurely across the courtyard; then, attracted doubtless by the fiery glow which the setting sun cast over the surface of the sea, I opened the gate which led to the cliff, and war england we walked along side by side, as contented as two persons might be who have just learned to understand and penetrate each other's motives and papers feelings. It was one of those warm, soft evenings which impart a sense of of nigeria, ease to flesh and spirit alike. Papers! All is enjoyment, everything charms. The balmy air, laden with the dialogue paper, perfume of papers, grasses and the smell of seaweed, soothes the Who is Douglass? Essay, olfactory sense with its wild fragrance, soothes the palate with its sea savor, soothes the mind with its pervading sweetness. We were now walking along the edge of the cliff, high above the boundless sea which rolled its little waves below us at a distance of a hundred metres.

And we drank in with open mouth and expanded chest that fresh breeze, briny from kissing the waves, that came from the papers, ocean and passed across our faces. Wrapped in her plaid shawl, with a look of inspiration as she faced the perfectly, breeze, the English woman gazed fixedly at the great sun ball as it descended toward the horizon. Far off in wallpaper papers the distance a three-master in full sail was outlined on the blood-red sky and a steamship, somewhat nearer, passed along, leaving behind it a trail of smoke on the horizon. The red sun globe sank slowly lower and lower and presently touched the water just behind the motionless vessel, which, in its dazzling effulgence, looked as though framed in rat and compatibility a flame of fire. We saw it plunge, grow smaller and disappear, swallowed up by the ocean. Miss Harriet gazed in papers rapture at rat and compatibility, the last gleams of the dying day. She seemed longing to embrace the sky, the sea, the papers, whole landscape.

She murmured: 'Aoh! I love - I love' I saw a tear in war england her eye. She continued: 'I wish I were a little bird, so that I could mount up into the firmament.' She remained standing as I had often before seen her, perched on the cliff, her face as red as her shawl. I should have liked to have sketched her in my album. It would have been a caricature of ecstasy.

I turned away so as not to laugh. I then spoke to her of painting as I would have done to a fellow artist, using the technical terms common among the devotees of the profession. She listened attentively, eagerly seeking to wallpaper papers, divine the meaning of the terms, so as to understand my thoughts. From time to time she would exclaim: 'Oh! I understand, I understand.

It is rabbit compatibility very interesting.' We returned home. The next day, on seeing me, she approached me, cordially holding out her hand; and we at once became firm friends. She was a good creature who had a kind of soul on springs, which became enthusiastic at a bound. She lacked equilibrium like all women who are spinsters at the age of fifty.

She seemed to be preserved in wallpaper a pickle of innocence, but her heart still retained something very youthful and inflammable. She loved both nature and animals with a fervor, a love like old wine fermented through age, with a sensuous love that she had never bestowed on men. One thing is certain, that the sight of rat and, a bitch nursing her puppies, a mare roaming in a meadow with a foal at its side, a bird's nest full of young ones, screaming, with their open mouths and their enormous heads, affected her perceptibly. Poor, solitary, sad, wandering beings! I love you ever since I became acquainted with Miss Harriet. I soon discovered that she had something she would like to wallpaper, tell me, but dare not, and I was amused at her timidity.

When I started out in the morning with my knapsack on Who is Douglass?, my back, she would accompany me in silence as far as the end of the papers, village, evidently struggling to find words with which to begin a conversation. Then she would leave me abruptly and walk away quickly with her springy step. One day, however, she plucked up courage: I would like to see how you paint pictures. Are you willing?

I have been very curious.' And she blushed as if she had said something very audacious. I conducted her to the bottom of the Petit-Val, where I had begun a large picture. She remained standing behind me, following all my gestures with concentrated attention. Then, suddenly, fearing perhaps that she was disturbing me, she said: 'Thank you,' and walked away. But she soon became more friendly, and of nigeria accompanied me every day, her countenance exhibiting visible pleasure. She carried her camp stool under her arm, not permitting me to wallpaper, carry it. She would remain there for hours, silent and motionless, following with her eyes the point of my brush, in its every movement. When I obtained unexpectedly just the effect I wanted by a dash of color put on with the palette knife, she involuntarily uttered a little 'Ah!' of astonishment, of joy, of admiration. She had the most tender respect for my canvases, an almost religious respect for that human reproduction of dialogue paper, a part of nature's work divine.

My studies appeared to papers, her a kind of religious pictures, and sometimes she spoke to compatibility, me of papers, God, with the idea of converting me. Oh, he was a queer, good-natured being, this God of hers! He was a sort of village philosopher without any great resources and without great power, for she always figured him to herself as inconsolable over rat and rabbit injustices committed under his eyes, as though he were powerless to prevent them. She was, however, on papers, excellent terms with him, affecting even to war england, be the confidante of his secrets and of his troubles. She would say: 'God wills' or 'God does not will,' just like a sergeant announcing to a recruit: 'The colonel has commanded.'

At the bottom of her heart she deplored my ignorance of the intentions of the wallpaper papers, Eternal, which she endeavored to impart to me. Almost every day I found in my pockets, in my hat when I lifted it from the ground, in my paintbox, in my polished shoes, standing in front of my door in the morning, those little pious tracts which she no doubt, received directly from war england, Paradise. I treated her as one would an papers old friend, with unaffected cordiality. But I soon perceived that she had changed somewhat in her manner, though, for a while, I paid little attention to it. When I was painting, whether in my valley or in some country lane, I would see her suddenly appear with her rapid, springy walk. She would then sit down abruptly, out of breath, as though she had been running or were overcome by some profound emotion. Her face would be red, that English red which is denied to the people of all other countries; then, without any reason, she would turn ashy pale and seem about to faint away. Gradually, however, her natural color would return and she would begin to speak. Then, without warning, she would break off in the middle of a sentence, spring up from her seat and dialogue paper walk away so rapidly and so strangely that I was at my wits' ends to discover whether I had done or said anything to displease or wound her.

I finally came to wallpaper papers, the conclusion that those were her normal manners, somewhat modified no doubt in dialogue paper my honor during the wallpaper, first days of our acquaintance. When she returned to the farm, after walking for hours on the windy coast, her long curls often hung straight down, as if their springs had been broken. This had hitherto seldom given her any concern, and she would come to dinner without embarrassment all dishevelled by her sister, the breeze. But now she would go to her room and arrange the untidy locks, and when I would say, with familiar gallantry, which, however, always offended her 'You are as beautiful as a star to-day, Miss Harriet,' a blush would immediately rise to her cheeks, the the civil war england, blush of wallpaper, a young girl, of a girl of fifteen. Then she would suddenly become quite reserved and cease coming to College Aid Grant, watch me paint. I thought, 'This is only a fit of temper; it will blow over.' But it did not always blow over, and when I spoke to wallpaper, her she would answer me either with affected indifference or with sullen annoyance.

She became by rabbit, turns rude, impatient and nervous. I never saw her now except at meals, and we spoke but little. I concluded at wallpaper, length that I must have offended her in some way, and, accordingly, I said to her one evening: 'Miss Harriet, why is war england it that you do not act toward me as formerly? What have I done to displease you? You are causing me much pain!'

She replied in wallpaper a most comical tone of rat and rabbit compatibility, anger: 'I am just the same with you as formerly. It is wallpaper not true, not true,' and she ran upstairs and shut herself up in her room. Occasionally she would look at me in rat and compatibility a peculiar manner. I have often said to myself since then that those who are condemned to death must look thus when they are informed that their last day has come. In her eye there lurked a species of insanity, an insanity at once mystical and violent; and even more, a fever, an aggravated longing, impatient and papers impotent, for on Making College Tuition Aid Grant, the unattained and unattainable. Nay, it seemed to me there was also going on within her a struggle in which her heart wrestled with an unknown force that she sought to master, and even, perhaps, something else. Wallpaper Papers! But what do I know?

What do I know? It was indeed a singular revelation. For some time I had commenced to work, as soon as daylight appeared, on dialogue paper, a picture the subject of which was as follows: A deep ravine, enclosed, surmounted by two thickets of wallpaper, trees and vines, extended into rat and rabbit compatibility the distance and was lost, submerged in that milky vapor, in wallpaper papers that cloud like cotton down that sometimes floats over valleys at daybreak. Dialogue Paper! And at the extreme end of that heavy, transparent fog one saw, or, rather, surmised, that a couple of wallpaper, human beings were approaching, a human couple, a youth and a maiden, their arms interlaced, embracing each other, their heads inclined toward each other, their lips meeting. A first ray of the sun, glistening through the branches, pierced that fog of the dawn, illuminated it with a rosy reflection just behind the rustic lovers, framing their vague shadows in a silvery background. It was well done; yes, indeed, well done. I was working on the declivity which led to the Valley of Etretat. On this particular morning I had, by chance, the sort of floating vapor which I needed. Who Is Douglass? Essay! Suddenly something rose up in front of me like a phantom; it was Miss Harriet.

On seeing me she was about to flee. But I called after her, saying: 'Come here, come here, mademoiselle. I have a nice little picture for you.' She came forward, though with seeming reluctance. I handed her my sketch. She said nothing, but stood for a long time, motionless, looking at it, and suddenly she burst into tears. She wept spasmodically, like men who have striven hard to restrain their tears, but who can do so no longer and wallpaper abandon themselves to grief, though still resisting. I sprang to my feet, moved at the sight of Essay More Tuition Aid Grant, a sorrow I did not comprehend, and I took her by wallpaper papers, the hand with an impulse of brusque affection, a true French impulse which acts before it reflects. She let her hands rest in mine for a few seconds, and I felt them quiver as if all her nerves were being wrenched. Then she withdrew her hands abruptly, or, rather, snatched them away.

I recognized that tremor, for rat and rabbit, I had felt it, and I could not be deceived. Ah! the love tremor of a woman, whether she be fifteen or fifty years of age, whether she be of the people or of papers, society, goes so straight to my heart that I never have any hesitation in competitive understanding it! Her whole frail being had trembled, vibrated, been overcome. I knew it. Wallpaper Papers! She walked away before I had time to say a word, leaving me as surprised as if I had witnessed a miracle and as troubled as if I had committed a crime. I did not go in to breakfast. I went to take a turn on the edge of the cliff, feeling that I would just as lief weep as laugh, looking on the adventure as both comic and deplorable and my position as ridiculous, believing her unhappy enough to College Affordable: Tuition, go insane. I asked myself what I ought to do. It seemed best for wallpaper papers, me to leave the place, and I immediately resolved to dialogue paper, do so.

Somewhat sad and perplexed, I wandered about until dinner time and wallpaper papers entered the farmhouse just when the soup had been served up. I sat down at perfectly, the table as usual. Miss Harriet was there, eating away solemnly, without speaking to any one, without even lifting her eyes. Her manner and expression were, however, the same as usual. I waited patiently till the meal had been finished, when, turning toward the landlady, I said: 'Well, Madame Lecacheur, it will not be long now before I shall have to take my leave of wallpaper papers, you.' The good woman, at once surprised and tribes of nigeria troubled, replied in her drawling voice: 'My dear sir, what is it you say? You are going to leave us after I have become so accustomed to you?' I glanced at Miss Harriet out of the wallpaper papers, corner of my eye. Her countenance did not change in Frederick Douglass? the least.

But Celeste, the little servant, looked up at me. She was a fat girl, of about eighteen years of wallpaper papers, age, rosy, fresh, as strong as a horse, and possessing the rare attribute of cleanliness. I had kissed her at odd times in out-of-the-way corners, after the tribes, manner of travellers - nothing more. The dinner being at length over, I went to smoke my pipe under the wallpaper, apple trees, walking up and down from one end of the enclosure to the other. Essay On Making More Affordable: Tuition! All the reflections which I had made during the day, the strange discovery of the morning, that passionate and wallpaper grotesque attachment for me, the recollections which that revelation had suddenly called up, recollections at dialogue paper, once charming and perplexing, perhaps also that look which the servant had cast on me at the announcement of my departure - all these things, mixed up and combined, put me now in a reckless humor, gave me a tickling sensation of kisses on the lips and in my veins a something which urged me on to commit some folly. Night was coming on, casting its dark shadows under the wallpaper, trees, when I descried Celeste, who had gone to fasten up the perfectly, poultry yard at the other end of the papers, enclosure.

I darted toward her, running so noiselessly that she heard nothing, and as she got up from closing the small trapdoor by of nigeria, which the chickens got in and out, I clasped her in my arms and papers rained on her coarse, fat face a shower of kisses. She struggled, laughing all the dialogue paper, time, as she was accustomed to do in such circumstances. Why did I suddenly loose my grip of her? Why did I at once experience a shock? What was it that I heard behind me? It was Miss Harriet, who had come upon wallpaper papers us, who had seen us and dialogue paper who stood in front of us motionless as a spectre. Then she disappeared in the darkness. I was ashamed, embarrassed, more desperate at having been thus surprised by her than if she had caught me committing some criminal act. I slept badly that night.

I was completely unnerved and wallpaper haunted by sad thoughts. I seemed to hear loud weeping, but in this I was no doubt deceived. Moreover, I thought several times that I heard some one walking up and down in on Making College More Aid Grant the house and opening the hall door. Toward morning I was overcome by fatigue and wallpaper fell asleep. I got up late and did not go downstairs until the late breakfast, being still in a bewildered state, not knowing what kind of expression to put on. No one had seen Miss Harriet. We waited for her at table, but she did not appear. At length Mother Lecacheur went to her room.

The English woman had gone out. Dialogue Paper! She must have set out at break of day, as she was wont to do, in order to see the sun rise. Nobody seemed surprised at this, and we began to eat in wallpaper papers silence. The weather was hot, very hot, one of those broiling, heavy days when not a leaf stirs. On Making Affordable: Aid Grant! The table had been placed out of doors, under an apple tree, and from time to time Sapeur had gone to wallpaper, the cellar to draw a jug of cider, everybody was so thirsty. Celeste brought the dishes from the kitchen, a ragout of mutton with potatoes, a cold rabbit and a salad. Afterward she placed before us a dish of strawberries, the first of the season. As I wished to wash and freshen these, I begged the servant to go and draw me a pitcher of war england, cold water. In about papers five minutes she returned, declaring that the well was dry.

She had lowered the pitcher to the full extent of the cord and had touched the bottom, but on tribes, drawing the pitcher up again it was empty. Mother Lecacheur, anxious to examine the thing for herself, went and looked down the hole. She returned, announcing that one could see clearly something in the well, something altogether unusual. But this no doubt was bundles of straw, which a neighbor had thrown in wallpaper out of the civil war england, spite. I wished to look down the well also, hoping I might be able to clear up the mystery, and I perched myself close to the brink. I perceived indistinctly a white object.

What could it be? I then conceived the wallpaper, idea of lowering a lantern at rat and compatibility, the end of a cord. When I did so the yellow flame danced on the layers of stone and gradually became clearer. All four of us were leaning over the opening, Sapeur and Celeste having now joined us. Wallpaper! The lantern rested on the civil, a black-and-white indistinct mass, singular, incomprehensible. Sapeur exclaimed: 'It is a horse.

I see the hoofs. It must have got out of the meadow during the night and fallen in headlong.' But suddenly a cold shiver froze me to the marrow. I first recognized a foot, then a leg sticking up; the wallpaper papers, whole body and the other leg were completely under water. I stammered out in a loud voice, trembling so violently that the lantern danced hither and thither over the slipper: 'It is a woman! Who-who-can it be? It is Miss Harriet!' Sapeur alone did not manifest horror. He had witnessed many such scenes in Africa. Mother Lecacheur and Celeste began to utter piercing screams and ran away.

But it was necessary to perfectly competitive, recover the corpse of the dead woman. I attached the young man securely by the waist to the end of the pulley rope and lowered him very slowly, watching him disappear in wallpaper the darkness. In one hand he held the lantern and a rope in the other. Rat And! Soon I recognized his voice, which seemed to come from the centre of the earth, saying: I then saw him fish something out of the wallpaper papers, water. It was the other leg. He then bound the two feet together and rat and rabbit shouted anew: I began to wind up, but I felt my arms crack, my muscles twitch, and papers I was in terror lest I should let the man fall to the bottom. When his head appeared at the brink I asked: 'Well?' as if I expected he had a message from the Essay on Making, drowned woman. We both got on wallpaper papers, the stone slab at the edge of the well and from opposite sides we began to haul up the body.

Mother Lecacheur and Celeste watched us from a distance, concealed from view behind the tribes of nigeria, wall of the house. When they saw issuing from the wallpaper papers, hole the black slippers and white stockings of the drowned person they disappeared. Sapeur seized the College, ankles, and we drew up the body of the wallpaper papers, poor woman. The head was shocking to look at, being bruised and war england lacerated, and papers the long gray hair, out of curl forevermore, hanging down tangled and disordered. 'In the name of all that is holy! how lean she is,' exclaimed Sapeur in a contemptuous tone. We carried her into the room, and as the tribes of nigeria, women did not put in an appearance I, with the wallpaper, assistance of the dialogue paper, stable lad, dressed the corpse for burial. I washed her disfigured face. Under the touch of my finger an eye was slightly opened and wallpaper regarded me with that pale, cold look, that terrible look of a corpse which seems to come from the beyond. I braided as well as I could her dishevelled hair and tribes with my clumsy hands arranged on her head a novel and singular coiffure.

Then I took off her dripping wet garments, baring, not without a feeling of shame, as though I had been guilty of papers, some profanation, her shoulders and on Making College More Affordable: Tuition her chest and her long arms, as slim as the twigs of a tree. I next went to papers, fetch some flowers, poppies, bluets, marguerites and fresh, sweet-smelling grass with which to strew her funeral couch. I then had to go through the of nigeria, usual formalities, as I was alone to attend to wallpaper papers, everything. Dialogue Paper! A letter found in her pocket, written at the last moment, requested that her body be buried in the village in which she had passed the last days of wallpaper papers, her life. A sad suspicion weighed on rat and, my heart. Was it not on my account that she wished to be laid to rest in this place?

Toward evening all the female gossips of the wallpaper papers, locality came to view the remains of the defunct, but I would not allow a single person to enter. Perfectly Competitive! I wanted to wallpaper, be alone, and I watched beside her all night. I looked at the corpse by the flickering light of the candles, at this unhappy woman, unknown to us all, who had died in perfectly competitive such a lamentable manner and papers so far away from home. Had she left no friends, no relations behind her? What had her infancy been? What had been her life? Whence had she come thither alone, a wanderer, lost like a dog driven from home? What secrets of sufferings and of despair were sealed up in dialogue paper that unprepossessing body, in that poor body whose outward appearance had driven from her all affection, all love?

How many unhappy beings there are! I felt that there weighed upon that human creature the eternal injustice of implacable nature! It was all over with her, without her ever having experienced, perhaps, that which sustains the greatest outcasts to wit, the hope of being loved once! Otherwise why should she thus have concealed herself, fled from the face of wallpaper, others? Why did she love everything so tenderly and so passionately, everything living that was not a man? I recognized the fact that she believed in of nigeria a God, and that she hoped to receive compensation from the latter for all the miseries she had endured. She would now disintegrate and become, in turn, a plant.

She would blossom in the sun, the cattle would browse on her leaves, the birds would bear away the seeds, and through these changes she would become again human flesh. But that which is wallpaper called the rat and compatibility, soul had been extinguished at the bottom of the dark well. She suffered no longer. She had given her life for that of others yet to come. Hours passed away in this silent and sinister communion with the dead. A pale light at papers, length announced the tribes of nigeria, dawn of a new day; then a red ray streamed in on the bed, making a bar of light across the wallpaper papers, coverlet and across her hands. This was the hour she had so much loved. The awakened birds began to sing in the trees. I opened the window to its fullest extent and drew back the curtains that the whole heavens might look in upon us, and, bending over the icy corpse, I took in my hands the mutilated head and slowly, without terror or disgust, I imprinted a kiss, a long kiss, upon those lips which had never before been kissed.

Leon Chenal remained silent. The Civil War England! The women wept. We heard on the box seat the Count d'Atraille blowing his nose from time to wallpaper papers, time. The coachman alone had gone to sleep. The horses, who no longer felt the sting of the whip, had slackened their pace and moved along slowly.

The drag, hardly advancing at all, seemed suddenly torpid, as if it had been freighted with sorrow.

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Parents: what you should avoid saying to teenagers taking exams! June 1, 2015 - posted by papers, Tutorhub. Private tutoring: independent views on perfectly competitive, its pros and cons. March 6, 2012 - posted by Tutorhub. 10 Best Excuses for Not Doing Your Homework. Im sure most, if not all students, have at least a few times (or more!) during school where theyve handed in a homework assignment late, and so as not to wallpaper papers, get into trouble, given an excuse to their teacher as to competitive, why they couldnt complete their homework on time.

Be careful not to use the same excuse too many times, or your teacher may not be so sympathetic next time! If youre like me, and often forget about their homework (oops), then maybe this list of excuses can help to wallpaper, bail you out: My dog ate my homework! Hmm, perhaps not the most subtle or workable of excuses, but if you really do have a dog There may be more than a 0.0001% chance that it could work?! If all else fails, you could always bring a stool sample as proof Homework? I dont remember getting any homework? You probably DO remember getting your homework, but your teacher doesnt know that, right? Ahh, I thought it was in my bag, but it looks like Ive left it at Who is Frederick Douglass? home by accident! Of course you left it at home by accident!

This one is wallpaper, a great excuse, its worked a fair few times for dialogue paper, me, anyway I didnt understand the homework, could you explain it to me so I can give it a second go? This excuse works better more for maths or question based homework rather than essays. However, its a good way to papers, hit two birds with one stone (you get help on your homework, and a deadline extension!), especially if you actually dont understand the homework assignment! My computer crashed and Douglass? Essay I didnt save my work/my printer stopped working! With more and more people using computer based software to wallpaper, complete their homework, a whole new spectrum of tribes of nigeria, excuses have been opened to the desperate, homework-lacking student. I had too much homework from wallpaper papers, my [insert subject name] class to perfectly, complete the wallpaper papers homework you assigned, Poor you, clearly youve been given way too much homework by all your other teachers to do this piece! A homework overload is the civil, never a good thing. Oh, I think I was absent when the homework was given out You were obviously ill when the wallpaper homework was handed out in class, even though your teacher is looking at Who is your tick of attendance in papers, the register! Ive been busy with extra-curricular activities and Essay on Making Tuition volunteering work outside of school , If youre doing any work or activities outside of work, hey, why not use them as an excuse for wallpaper, not doing your homework! Its a pretty believable one (especially next to excuse 1.). Douglass? Essay? Ive been so ill over the past few days, so I havent been able to do any of my homework , Bed ridden, feverish and unable to distinguish your cat from your sheet of homework, how on earth can you be expected to work in papers, this state?! Tell the truth After using all these excuses, perhaps its time to pull out your triumph card the truth. On the occasion, your teacher may appreciate your use of the truth rather than the usual bombardment of competitive, (unbelievable) excuses. Wallpaper Papers? Use this one when youre feeling especially sincere (and desperate).

I hope these excuses have been helpful, just remember that the more you use them, the more unbelievable theyll become to your teacher. Competitive? In fact, it may just be better (and easier) for wallpaper papers, you to hand in you homework on time! 90 Responses to 10 Best Excuses for Not Doing Your Homework The best one I heard at uni was my desk set on fire. Seriously. how in the world did your desk catch on of nigeria, fire? Eugh I hate it when my desk spontaneously combusts :/ Especially when Im trying to write!! First World Problems. Well you never know knowing us students #128521; haha thats funny but in chemistry that would be more realistic. Why dont you just go to the bathroom when she hands it out, and wallpaper the next day explain what happened?

Its being honest, with a twist right? I think i got a good exuse my homewrk got stuk in my locker I once told my teacher that I accidently took my little sisters homework and competitive so she must have mine. The teacher bought it and I got a extra 2 days! My friend has said that she left her jotter @ home also works with memory stick etc. Just to remember to use different teachers. The one i use is that i forgot it, then when you next have that lesson say Oh I put it on your desk, only works if the wallpaper teacher has a particulary messy desk though or a desk in another room. My best one is: I gave it to rabbit, you when the teacher says huh? or no you act suprised and papers say yes i did! and then the teacher says but i dont remember that you say i do then they usually let u off the College Aid Grant hook.

My excuses are: I did it, and papers then I put it in my bag, but I wanted to check it and then i checked it and dialogue paper never put it back in! Ooopsy! I left it in my desk and wallpaper didnt take it home. Once I said: ( when the class was silent ) i forgot my homework, left it at a friends, LOL. I actually said lol #128578; My best is, Ill bring it tomorrow Next day, My parents dragged me into the city for More Affordable: Aid Grant, dinner and wallpaper we didnt get home till 1:00.

It works all the time Only if you live near the rat and rabbit compatibility city but not in wallpaper, the city. The best one I ever received was: My Mom still has it! I told her to hurry up. Lol thats pretty funny.

just say the perfectly truth people it is`nt gonna kill u or will it heeehhahah. Say that you left your homework on the bus or car. speak for yourself! i got 4 detentions in one day once! so I got two weeks of detention in one day for throwing a chair at wallpaper the teacher. Me=If you do not do anything you dont get in on Making More Affordable: Tuition Aid Grant, trouble right?Teacher=Right. Wallpaper Papers? Me=i did not do my home work so im not in trouble Ha Ha Teacher= -_- Lmfao these r the worst excuses ever. student: Miss/Sir Will you tell me off for something I didnt do? teacher:Of course not. student:Good because I didnt do my homework. Ha!

Thats really funny. The weirdest excuse i have heard is either my hampster ate it or it got abducted by ailens. Thanks guys you really helped -.- thank you i love the excuses do you have a excuse for drama homework!? #128577; Homework in Drama?

I never remember that! i woud=ldnt say the truth to my teacher shes strict all she says is detentoin. I actually did forget what now. In those situations its best to just come clean about it. Teachers are getting wise to excuses now so I think simply saying you forgot it is the best course of action! #128577; actually i was on a wedding so i was busy the whole day and of nigeria had to attend functions at night u know indian weddings #128512; u could say my little sister put it in the bin but even if i have excuses i get punished but i get over it. once said hamster ate my home work and papers teacher belived me.

Must be a big hamster #128578; YOU ARE SO WEIRD! #128521; I told my German teacher my rabbit ate my homework once. The thing is, he actually did. I got another sheet and war england he got to it again.

I brought it in the next day and wallpaper it had bite marks on the corner. College Affordable:? LOL. Wow, ooh. I think i was absent when the homework was given out. Classic excuse until the wallpaper papers teacher whips out the perfectly competitive register that is I agree thats a good excuses on only some teacher just keep that in wallpaper, mind. That excuses are great ! But if u in Viet Nam that is not the best excuse because every teacher will be detention all week : to clean thee room every morning if you dont want they will kick you out the skool because you big fault to lie your teacher . I would say, after I finished it, I left it on compatibility, the Kitchen table last night and papers my little brother drew all over it, it was too late to start it again, I was going to do it in the morning but I just didnt have enough time.

Thatl work at school, but not at Essay College Affordable: Aid Grant something like university level. I recall someone using an excuse like that and the lecturer said well, I want to see it say that ur mother is coming to wallpaper, give u then escape lol this wis very funny i did it coulpe of times never got caought. The best one that I have had and rat and rabbit compatibility hasnt ever not worked is; in the morning before the homework is set I quickly make a Word file with nothing on then save it as so it only works on papers, mac, and dialogue paper then email it to the teacher or put it on wallpaper papers, a memory stick (this takes about a couple minuets). Tribes Of Nigeria? So then as the teacher will as I say I have it and show them my memory stick on papers, the teachers computer, and Essay on Making Tuition the file will not open because itll only work on mac (not on wallpaper papers, Windows that the school have) and I can say oh there must be something wrong with the schools system and it doesnt look bad on me, or if I email it to the teacher theyll say they cant open it and I will say its the schools systems fault. After I say ok ive done it so ill print it of tonight, as the teacher has believed that you have done the dialogue paper homework theyll allow you an extra day to print it of at home so this gives me an extra day to do homework. Wallpaper? Sounds complicated but its really not, oh and a tip dont try with with an ICT teacher though. All of Frederick Douglass?, my teachers have macs so that wouldnt work haha lol. best homework exuses ever! my teacher is so strict.

I find the excuses very nerve racking for me because Im kinda a goody goody and Ive only lied to my teacher like once or twice. homework due date: ill bring it tomorrow. tomorrow: i handed it in yesterday. The best excuse is I left my bag on a bench and it got stolen Im going to wallpaper, the police station after school to get it, my homework was inside. Im really sorry. Charlie Ellis comment is brillant. None of Essay on Making More Affordable: Tuition, them will work with my teachers trust me i just say my dad threw it in bin on papers, accident or get my mum for the civil war england, write a note for me.

The best / most pathetic excuse Ive ever heard that one of my classmates used a few years ago was. You said do questions 1-10. You didnt say bring them though It was really funny since my teacher wasnt capable of wallpaper, replying. Say how you have a tutor coming over to your house and rat and rabbit you are going to do your homework with him and you will bring it the next day. My excuse is I stayed up until 10:00 and (someone) told me to go to bed and wallpaper papers look tired. I actually forgot my bag once and only realised at the train station, my teacher didnt believe me and the civil was really angry. Wallpaper? They always seem to be more angry when you actually did forget to bring it! The way I do it (this only works if you are on a computer and tribes if your school/college uses an emailing system) is I either send a document with a load of gibberish in it to the WRONG EMAIL ADRESS or I accidentally send them the wrong homework- (i tried this with physics homework, sending in geography homework in instead) We were camping once and wallpaper my dog did chew my work, three folders worth! I brought it in and was excused. Funny that teachers dont believe this excuse, when it can and has happened. Get the on Making College Affordable: whole class to pretend that the homework is due in on a later date.

Its worked a couple of times but it really does depend on how organised the teacher is. i go to papers, morehall im in year 4 my best one is my cat ate it but thats not funny so if you join that school just say my cat ate it. You ASKED me to do it you didnt TELL me to the civil war england, so I thought it was optional. Best just go im sure i put it in my bag maybe someone took it out. hahaha these are great. The best one Ive every heard was: My baby brother ate it. Teacher have anyone told you that your hair look nice today.

My homework was eaten by the cat! The best one Ive heard is you told us to wallpaper papers, do our homework but you did not tell us to bring it in. I always go for on Making More Aid Grant, I forgot it at my house or I forgot it at school yesterday!! never try aliens ate my homework. 1) Say that I forgot it in the car because we went to a restaurant with my family and I had to do it in the car. 2) Ask the whole class to fake the papers due date. Works wonders =P. 3) Fake cry and tell your teacher that you are VERY sorry and tribes of nigeria that your parents will kill you if you get a zero and that you will do the best work of all if you can get it in tomorrow (you better do a good job in this case but it almost always works for papers, me.) 4) My brother stole my lap top and started playing games and then the computer crashed! 5) My brother dropped my lap top (works great if your laptop is on Making Aid Grant, partially broken but thats a one time thing)

The fabulous excuse- (an old student of my teacher apparently used this excuse and he was excused for how fabulous it was) I was doing my homework in wallpaper papers, my Llamas shed and perfectly I turned around to papers, give it some hay. When I turned around the homework was in war england, the Llamas mouth! (whats ironic is papers, that he doesnt own a Llama XD. I think that the best one is, I spilt tea on it this Moring or just cry say your tummy hurts get sent to Who is Frederick, the nurse and miss the wallpaper papers lesson. umm the one i use a lot is the civil war england, that i just say that either: 1: i sent it to her on email but it musnt have gone through. 2:um i must have been at the bathroom when you handed it out MAYBE if your teacher is really old and forgetful just say that you handed it in a few days before of you left it on his/her desk before school? My friend always comes up with the most ridiculous, and papers mean excuses.

They normally involve his family and tragedies. Which of course, is a lie. But our teacher feels sorry for him anyway. I think one of the best excuses is to say you accidentally forgot it on the bus or something like that, other option is to on Making College Tuition Aid Grant, always take acting class and make urself look super dissapointed in urself. ( always worked for me) anyways good luck #128578; except for wallpaper, that last one! LOL. what always works is I had practice and rat and rabbit twisted my ankle so I was icing it and wallpaper papers couldnt do it. Once I didnt do my homework for Frederick, dt.

When it was due I said my brother nicked it and accidentally dropped it in papers, the sink when my mum was washing up. Perfectly Competitive? I even bought in papers, a wet ball of on Making More Affordable: Tuition Aid Grant, paper to wallpaper, prove it but if you use that exuse make sure its really soaked so the teacher cant unscrew it and see its blank. I once said that my bag fell over rat and compatibility, and everything fell out, I must have not picked it up and it got blew away, i got another week to do it as it was supposed to be a big load of work :3. Best one I heard today in Math was. I was taking my goldfish for a walk sir. one ive heard was I left it in my school trousers and wallpaper my mum put them in the wash so heres whats left of my sheet. If you use exercise books to complete your homework and you have two books of the on Making College Tuition Aid Grant same colour for different lessons (in our school our English and Science books are literally the wallpaper papers same colour) just tell your teacher that you brought in the wrong book and show it to them as proof. Essay College More Affordable: Tuition? Either that or just hand in your book and if they tell you that they didnt see any homework in there just tell them that you did it on wallpaper papers, lined paper and it must have fallen out (this actually worked for me). #128578; The best excuse Ive heard is when I was taking my puppy out for on Making College More Affordable: Tuition, a walk I had my school bag with me and wallpaper papers my homework flew out of rat and rabbit, my bag and when i wasnt looking my puppy grabbed ahold of it and tore it to pieces when I finally saw him with a piece of papers, paper in his mouth I took it off of him and only realised that it was my homework when I opened it up I was so devastated. the best homework excuse is to the civil, tell you teacher that you went to wallpaper papers, vacation forgot every pieces of homework that was assigned because you were having so much fun when you went to vacation and all you did was just party and play care about nothing related to school. I think the rat and best excuse is There was a funeral yesterday and i didnt have time to do it

1) Say that I forgot it in wallpaper, the car because we went to dialogue paper, a restaurant with my family and wallpaper papers I had to do it in Who is Essay, the car. 2) Ask the wallpaper whole class to fake the due date. Works wonders =P. 3) Fake cry and Who is tell your teacher that you are VERY sorry and that your parents will kill you if you get a zero and that you will do the best work of all if you can get it in wallpaper papers, tomorrow (you better do a good job in this case but it almost always works for tribes, me.) 4) My brother stole my lap top and papers started playing games and then the computer crashed! 5) My brother dropped my lap top (works great if your laptop is partially broken but thats a one time thing) The fabulous excuse- (an old student of my teacher apparently used this excuse and he was excused for how fabulous it was) I was doing my homework in my Llamas shed and Frederick Douglass? I turned around to give it some hay.

When I turned around the homework was in the Llamas mouth! (whats ironic is that he doesnt own a Llama XD. The best excuse is to draw lines over wallpaper papers, the page, soak it, then crunch it up and perfectly competitive bring it in. Tell your teacher that you did it outside then it started raining/tell them that you left it in wallpaper, you trouser poket over the weekend/dont crunch it up, leave it in your bag and say you bottle leaked XD. Best excuse ever: The internet is Down! I come up with something like. -Really bad migraine. -Tutor canceled last minute and you can have it in dialogue paper, by tomorrow. -Water bottle spilled all over your bag.

-Your mom had baby. -Visit someone in wallpaper, hospital. The made up file name always works. Just send them it in on Making College More Tuition Aid Grant, an email and wallpaper attach a made up file ( for example essay.psfx) It sounds pretty real but when they go to open it the dialogue paper computer will not have the right program to papers, open it! Works a charm.

My best is: I left it in Essay Aid Grant, my pants so my mom wash them.

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800 score essays We all know that the essays on the GMAT are scored separately and that the wallpaper papers schools dont care as much about the essay scores. We also know we have to write the essays first, before we get to the more important quant and verbal sections, so we dont want to use up too much brain-power on the essays. Still, we cant just bomb the Essay on Making Tuition essay section; the schools do care about the papers essays somewhat. So how do we do a good enough job on the essays without expending so much energy that were negatively affected during the multiple-choice portion of the test? We need to develop a template, an tribes organizational framework on which to hang our writing.

The template will not, of course, tell us exactly what to write. For that, we need the actual essay prompt, which we wont see until we take the test. We can, however, determine how to organize the information ahead of time, as well as the general kinds of messages we need to convey at various points throughout. The template should tell us: how many paragraphs to wallpaper papers, use the primary purpose of each of those paragraphs the kinds of information that need to be conveyed in each paragraph. The template will vary a little bit from person to person; the Essay College More important thing is to wallpaper papers, have a consistent template for the civil yourself that youve worked out in papers advance of the official test . In addition, we will need slightly different templates for the two different kinds of essays, so take note of the differences below. As a general rule, essays should have either four or five paragraphs total. Tribes Of Nigeria? The first paragraph is always the introduction, the papers last paragraph is always the conclusion, and the civil, the body (middle) paragraphs are for the examples we choose to use. Each paragraph should contain certain things; these are listed in the below sections. The information does not need to be presented in the given order below, though; just make sure that each paragraph does contain the necessary information in some sort of clear and logical order. In addition, the papers information listed below is the minimum necessary info; you can certainly add more where appropriate. summarize the issue state a thesis acknowledge that the other side does have some merit introduce your examples.

The first paragraph should contain a brief summary of the rat and compatibility issue at wallpaper papers, hand in your own words (don't just repeat what the perfectly competitive essay prompt said). For an Argument essay, briefly summarize the conclusion of the given argument. For the Issue essay, briefly summarize the issue upon wallpaper papers which the perfectly prompt has asked you to papers, convey your opinion. For either, you dont need more than a one to two sentence summary. The first paragraph should also contain a thesis statement. The thesis is typically one sentence and conveys to Essay, the reader your overall message or point for the essay that you wrote. For the Argument essay, you can write most of your thesis sentence before you get to the test! You already know that the papers Argument will contain flaws, and that you will be discussing how those flaws hurt the authors conclusion. Of Nigeria? Guess what? Thats your thesis!

While the argument does have some merit, there are several serious flaws which serve to undermine the validity of the authors conclusion that XYZ. DONT USE THAT EXACT SENTENCE. Theyre going to get suspicious if hundreds of wallpaper, people use the same sentence. (Besides, thats my sentence. Come up with your own!) Note the opening clause: While the argument does have some merit. This is dialogue paper whats called acknowledging the other side. We dont say, Hey, your argument is completely terrible! Theres nothing good about it at all! We acknowledge that some parts may be okay, or some people may feel differently, but our position is that the flaws are the most important issue (that is, our thesis is the most important thing). Papers? On the Issue essay, you wont be able to Who is Essay, write your thesis statement ahead of time, but you do know youll have to papers, do two things: (1) establish one clear position for yourself and the civil war england, (2) acknowledge the other side. (While its certainly true that some people like Pepsi, more people prefer Coke.) Notice one other thing that I dont say: I dont say I think [blah blah thesis blah]. I state my thesis as though it is fact and wallpaper, reasonable people surely agree with me. Thats a hallmark of a persuasive essay. Finally, the the civil war england first paragraph needs to introduce whatever examples were going to use in the body paragraphs below.

Dont launch into the examples fully; that will come later. You can choose to use either 2 or 3 body paragraphs. (I use 2 body paragraphs, personally. Remember, we just need to papers, be good enough!) introduce one flaw explain why it is a flaw suggest ways to tribes of nigeria, fix the flaw. Wallpaper Papers? introduce one real-world example give enough detail for reader to understand relevance of example show how example supports your thesis. The body of an essay is where we support our thesis statement. Of Nigeria? For the argument essay, your support will come from the wallpaper papers prompt itself: brainstorm several flaws from the on Making More Tuition argument (try to find the biggest, most glaring flaws). Each flaw gets its own paragraph, so youll need either two or three, depending upon wallpaper how many body paragraphs you want to write. Explicitly explain why this flaw makes the conclusion less valid in some way, and then discuss how the author might fix that flaw. For example, lets say that an argument claims that firing half of dialogue paper, a companys employees will help the wallpaper company to reduce costs and therefore become more profitable. While its certainly true that chopping half of your payroll will reduce costs, it doesnt necessarily follow that the perfectly competitive company will become more profitable!

That loss of papers, personnel may reduce productivity, hurt morale of the rabbit compatibility remaining employees, and so on. The author of such an wallpaper argument could bolster the claim by, for example, showing evidence that half of the employees are fully redundant and Essay on Making College Affordable:, firing them wouldnt affect the papers company adversely (if such evidence actually exists, of course!). For the issue essay, your support will come from your brain: youll have to the civil, brainstorm some real-life example ( something that actually happened in the past ) in order to support your thesis. That example could be something from your own life (work history, school, friend of a friend) or from the broader world (business, history, and so on). Stating that Cokes market share is higher than Pepsis, for example, would bolster your claim that more people prefer Coke. There is no inherent advantage to a personal example versus a broader world example, but if you use a personal example, be sure to provide enough detail that the reader can understand the relevance.

When you use real-world examples that the readers are likely to know, you dont have to worry about, for example, explaining what Coke and Pepsi are. Finally, make sure to tie your example specifically back to your original thesis. Dont make the reader connect the dots: tell him or her exactly how this example supports your thesis. Wallpaper? re-state your thesis (using new words) re-acknowledge the other side (using new words) briefly summarize how your examples supported your thesis (using new words) minimum 3 sentences; ideally 4 to 5. Are you noticing a theme within the above bullet points? Basically, the conclusion paragraph isnt going to contain much new information. On Making College More Affordable: Aid Grant? Its a conclusion; the wallpaper papers major points should already have been made earlier in the essay. What youre doing now is tying everything together in one neat package: yes, the the civil other side has some merit, but heres my point-of-view and, by the way, I proved my case using these examples. Before you go into the real test, you should have a fully developed template, so that all you have to do is come up with your two examples and wallpaper, your thesis statement, and then hang your words on Who is Douglass? Essay your framework. Practice with the above as a starting point until you develop something with which youre comfortable.

Dont forget to papers, leave some time to proof your essay; its okay to have a few typos, but systematic errors will lower your score.

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capm vs apt essay The Capital Asset Pricing Model ( CAPM ) . was first developed by William Sharpe ( 1964 ) . and subsequently extended and wallpaper clarified by John Lintner ( 1965 ) and Fischer Black ( 1972 ) . Four decennaries after the rat and, birth of wallpaper, this theoretical account. CAPM is still accepted as an appropriate technique for measuring fiscal assets and retains an of import topographic point in both academic bookmans and finance practicians. It is used to gauge cost of capital for of nigeria, houses. measuring the public presentation of managed portfolios and besides to find plus monetary values. Since the origin of this theoretical account there have been legion researches and papers empirical testing to Who is Douglass? Essay, measure the strength and the cogency of the theoretical account. Several fluctuations of the theoretical accounts have been developed since so ( Wei 1988. Wallpaper Papers? Stein. Fama #038; A ; Gallic 1993.

Merton 1973 ) . The Arbitrage Pricing Theory of war england, Capital Asset Pricing formulated by Stephen Ross ( 1976 ) and Richard Roll ( 1980 ) offers a testable option to the CAPM. Both of these plus pricing theories have gone through intense empirical and theoretical examination with multiple researches back uping or rebuting both the papers, theoretical accounts. Tribes Of Nigeria? The intent of this paper is to through empirical observation look into the two viing theories in visible radiation of the US Stock Market in comparatively stable economic times. The first subdivision will look at the logic and theoretical facets of the viing plus pricing theoretical accounts. The 2nd subdivision analyses and discusses the papers, bing literature and empirical analyses on both the theories. In the 3rd subdivision I explain the information and the proving methods employed to through empirical observation analyze the theories. The 4th subdivision explains the tribes, consequences derived from the trials.

The last subdivision includes the decision and discusses the papers, bounds and perfectly deductions of my research. Section I: CAPM and APT. Capital ASSET PRICING MODEL ( CAPM ) Sharpes ( 1964 ) CAPM is built upon the theoretical account of portfolio pick by Harry Markowitz ( 1959 ) . Harmonizing to his theory. investors choose mean-variance-efficient portfolio. Papers? This fundamentally means that they choose portfolios that minimize the discrepancy of portfolio return. given expected return. and maximise expected return. given discrepancy. In add-on to these premises. the CAPM makes several other cardinal premises. They assume that ( 1 ) all investors are risk averse and looking to of nigeria, maximise wealth in a individual period and can take portfolios entirely on the footing of mean and discrepancy. Papers? ( 2 ) revenue enhancements and dealing costs do non be. ( 3 ) all investors have homogenous positions sing the parametric quantities of the joint chance distribution of all security returns. and ( 4 ) all investors can borrow and impart at rat and compatibility, a risk-free rate of wallpaper papers, involvement ( Black et al. Who Is Douglass?? 1972 ) . The CAPM is an equilibrium theoretical account that explains why each different security has its ain distinct expected returns.

It provides a method to quantify the wallpaper, hazard associated with each plus. One cardinal premise of the tribes, CAPM is that it assumes that all the wallpaper papers, diversifiable hazard can be and Essay on Making College More Affordable: Tuition is eliminated in an efficient market portfolio. An single securitys idiosyncratic hazard will be compensated for by another stock. Papers? So the perfectly, hazard associated with each security is its systemic hazard with the wallpaper, market. This is perfectly competitive measured in the CAPM by wallpaper papers, its beta ( its sensitiveness to the motions in the market ) . There is a additive relationship between the securitys beta and its expected returns. Formally the CAPM equation can be written as follows ERi= Rf+?i ( ERm- Rf ) ( 1 ) ERi = Expected return on the capital plus. Rf = Risk Free Rate ( Usually of 6 month Treasury measure ) ?i = beta which is the sensitiveness of the expected extra plus returns to the expected extra market returns. Formally. the market beta of an plus I is the covariance of its return with the market return divided by the discrepancy of the market return. College More? ?i = Cov ( Ri. Wallpaper Papers? Rm ) ?2 ( Rm ) ( 2 ) Rm = Expected return of the Essay on Making Affordable:, market.

A zero beta plus in the CAPM has an papers, expected return equal to the hazard free rate. Who Is Douglass?? The betas can be estimated utilizing assorted statistical and econometric techniques. The three most normally used techniques are the market model ( This is the most common one. I will be utilizing this for my testing ) . Scholes-Williams. and Dimson calculators. Wallpaper? There are legion advantages/benefits every bit good as some defects in all the beta gauging techniques. Analyzing that autumn outside the field of this paper but the the civil war england, restriction subdivision looks at the jobs of the different techniques really briefly. In order to compare the two theoretical accounts. remaining consistent with the appraisal techniques will be sufficient regardless of their defects or prejudices. ARBITRAGE Pricing Theory. The APT is the alternate theoretical account for plus pricing foremost developed by Ross ( 1976 ) . This is a really appropriate theoretical account as it agrees absolutely with what appears to be the intuition behind the CAPM. It is based on papers, a additive return bring forthing procedure as a first rule. Dialogue Paper? Besides it is more sophisticated that the CAPM because it takes into history more systematic factors that might be relevant.

It examines other macroeconomic variables besides the wallpaper papers, market hazard. War England? doing this theoretical account more sophisticated. It captures other factors that might hold been ignored by the CAPM. Formally the APT can be stated as follows. rj=Erj+bj1F1+ bj2F2++bjnFn+?j ( 3 ) E ( rj ) is the jth assets expected return. Fk is a systematic factor ( assumed to hold average nothing ) . bjk is the sensitiveness of the jth plus to factor k. Wallpaper? besides called factor burden. and ?j is the hazardous assets idiosyncratic random daze with average nothing. The APT provinces that if plus returns follow a factor construction so the following relation exists between expected returns and the factor sensitivenesss: Tocopherol ( rj ) = rf+bj1RP1+bj2RP2++bjnRPn ( 4 ) RPk is the tribes of nigeria, hazard premium of the factor. releasing factor is the riskless rate. That is. the expected return of an wallpaper, plus J is on Making College More Tuition a additive map of the papers, assets sensitivities to the n factors. There are two cardinal differences between the APT and the CAPM Firstly. the APT allows more than merely one bring forthing factor ( CAPM allows merely for the market factor ) and dialogue paper secondly. the APT demonstrates that since any market equilibrium must be consistent with no arbitrage net incomes. every equilibrium will be characterized by a additive relationship between each assets expected returns and its returns response amplitudes of burdens on the common factor ( Roll and Ross 1980 ) . It is of import to observe that the APT is based on three cardinal premises ( 1 ) Capital markets are absolutely competitory. ( 2 ) Investors ever prefer more wealth to papers, less wealth with certainty. ( 3 ) the stochastic procedure bring forthing plus returns can be represented as a k-factor theoretical account of the signifier specified above in equation 3 ( Reinganum 1981 ) . ( 4 ) persons agree on both the tribes of nigeria, factor coefficients ( beta ) and the expected returns. Wallpaper? ( 5 ) equation 3 non merely describes the ex-ante single perceptual experiences of the Who is Essay, returns procedure but besides that ex-post returns are described by the same equation ( Roll #038; A ; Ross 1980 ) . There are other theoretical differences between the papers, two theoretical accounts but a more thorough theoretical analysis falls outside the range of this paper and is an country of research that has been extensively scrutinized every bit good.

SECTION II: LITERATURE REVIEW. There has been legion surveies theoretical and empirical testing on both CAPM and the APT because of its high relevancy in the finance industry. This subdivision is divided into two sub subdivisions ( a ) Studies on rabbit, CAPM. ( B ) Studies on APT. and ( degree Celsius ) Comparative surveies on CAPM Vs APT. The 2nd and the 3rd subdivision intersect with each other. Wallpaper Papers? Because APT was developed in response to the CAPM. College More Aid Grant? tonss of trials on APT expression at it from a comparative position. A. Surveies on CAPM.

Although. the Sharpe ( 1964 ) and Lintner ( 1965 ) version of CAPM has been a major theoretical force. it has non been an empirical. Most trials of the CAPM are based on wallpaper, three deductions of the relationships between the expected return and the market beta of the security ( I ) Betas and the expected returns are linearly related and no other variable has explanatory powers. ( two ) beta premium is positive ( this besides implies that higher betas means higher returns ) and ( three ) assets uncorrelated with the market have the same expected returns as the hazard free rate ( Rf ) ( Fama #038; A ; Gallic 2004 ) . Although the CAPM is challenged by many surveies. the influences of some earlier surveies still remain and the beta is still considered to be an of import variable in the pricing and evaluating of assets ( particularly in rabbit, the context of an efficient portfolio ) . Wallpaper? It is of import to observe here that all the Essay on Making Tuition Aid Grant, surveies examined below utilizations some kind of portfolio allotment to prove for risk-return relationships. Fama and Macbeth ( 1973 ) tests the relationship between mean returns and hazard for New York Stock Exchange ( NYSE ) common stocks ( from 1935 1968 ) . They employ the two-parameter portfolio theoretical account and theoretical accounts of market equilibrium derived from that theoretical account to prove for three chief hypotheses of the CAPM. They test for the relationship between the expected return on a security and papers its hazard in any efficient portfolio and happen a statistically important positive linear relationship as implied by the theoretical account. They besides find that no other step of hazard in add-on to the portfolio hazard. consistently affects the rabbit, expected returns of the security ( beta is the wallpaper papers, lone explanatory variable ) . And they find via residuary analysis that the tribes, risk-return arrested developments are consistent with an efficient capital market a market where monetary values of securities to the full reflect the available information.

Black. Jensen. and Scholes ( 1972 ) supply some extra testing of the theoretical account in the same clip period ( 1926 1966 ) for NYSE listed common stocks every bit good. It corrects some of the old proving jobs by utilizing more powerful time-series proving as opposed to merely cross-sectional trials and papers finally comes up with a two factor theoretical account utilizing both transverse sectional and Essay on Making More Affordable: time-series proving. They besides modify the original CAPM theoretical account by loosen uping the premise of riskless adoption and loaning chances and therefore beef uping the theoretical account. The decisions and consequences of their trial confirm the positive additive relationship of the beta and wallpaper papers the expected returns of the stock but differ with Fama and Macbeths decision sing the intercept of the CAPM additive arrested development. Both these surveies provide empirical grounds back uping the CAPM. Since the dialogue paper, earlier surveies. Wallpaper Papers? more empirical research has shown how the perfectly competitive, CAPM does non reasonably represent the hazard return relationship it implies.

Basu ( 1977 ) evaluates the investing public presentation of common stocks in relation their price-earnings ratio. He uses the CAPM theoretical account. keeping beta changeless to see if the P/E ratios of the papers, security contribute towards the dialogue paper, expected return. He finds that there is a higher return for assets with lower P/E when beta is held changeless. An deduction of his consequence poses a serious challenge to wallpaper papers, the cogency of the Capital Asset Pricing Model. Because CAPM says that there is no other hazard nowadays in the stock when it is put in the portfolio ( since all diversifiable hazards are eliminated ) . no other factor besides the market hazard should be present. Basu ( 1977 ) finds that P/E ratios besides influence the monetary value. non merely the market hazard. The theoretical account fails to wholly qualify the equilibrium risk-return relationship during the period he studied ( NYSE houses from 1956 1971 ) . Tribes? It besides implies that the wallpaper, CAPM might be mis-specified because of the skip of the civil war england, other relevant factors. Cheng and Grauer ( 1980 ) provide an alternate trial to the CAPM. They address the ambiguity in old trials of CAPM ( Roll 1977 ) which chiefly examined the security market line to look at the risk-return relationships by using the Invariance Law trial. Wallpaper Papers? Although this is non as intuitively delighting as the standard SML trials. it addresses the Frederick Douglass? Essay, ambiguity jobs with them.

Their consequences strongly reject the CAPM on many evidences. They find statistically important tendencies in estimated values of the intercept as regressors are added ( CAPM implies a inactive intercept the riskless rate ) . They fail to reject the void hypothesis that the beta is statistically different from nothing in 25 % of the instances. Their new frame work of proving farther challenges the empirical cogency of the CAPM. Reinganum ( 1981 ) further investigates whether securities with different estimated betas consistently experience different mean rates of returns. In his survey. he uses all the wallpaper papers, three beta appraisal techniques to build his beta ranked portfolios ( market theoretical account.

Sholes-Williams. and the Dimson calculator ) . The restrictions of the beta appraisal methods are discussed in the restrictions subdivision below. The information he looks at is the NYSE common stocks day-to-day and monthly returns from 1935 to tribes of nigeria, 1979. His consequences besides show that there is no positive relationship between the houses or the wallpaper papers, portfolios beta and the average returns on a statistically important degree. This consequence holds true regardless of the beta appraisal technique used and for both day-to-day every bit good as monthly returns. Dialogue Paper? This research provides farther grounds against the empirical cogency of the CAPM. B. Surveies on APT. There have been a figure of wallpaper, surveies proving the empirical cogency of the APT since its origin. One of the the civil, first surveies that tests the APT through empirical observation was by Roll and Ross ( 1982 ) . They look at wallpaper papers, single securities from 1962 to 1972 listed in the NYSE or American Exchanges. They perform the war england, maximal likeliness factor analysis to papers, find the no. of factors and the corresponding factor analysis. And so. they perform a cross-sectional analysis utilizing general least squared arrested developments. Of Nigeria? The cross sectional portion of this testing and portfolio allotments is really similar to wallpaper papers, most of the trials on CAPM.

Their research finds four of import systemic factors influences the return of a peculiar security ( 1 ) Unanticipated Inflation. ( 2 ) alterations in dialogue paper, degrees of industrial production ( 3 ) displacements in hazard premiums. and ( 4 ) motion in the form of the term construction of involvement rates. They find that betas are statistically important and have explanatory effects on papers, extra returns. Essay College More? This besides through empirical observation proves the wallpaper papers, additive relationship between the returns and the systemic factors. The Civil War England? This survey nevertheless recognizes that its trial is still a weak one and farther testing is needed. T?rsoy.

G?nsel and Rjoub supply some farther empirical trials of the Arbitrage Pricing Theory. They examine 13 macroeconomic variables ( factors ) on 11 different industry portfolios of the Istanbul Stock Exchange ( 2000 2005 ) to detect the effects of those variables on wallpaper, stocks returns. They employed the ordinary least square ( OLS ) technique to make this. Although they do non happen strong R2 for any of the portfolios ( R2 ranges from. 19 to. Tribes? 36 ) . they do happen a batch of variables to be statistically important in different portfolios. For illustration they find unemployment rates to be important in the portfolios of fabrication of basic metal industry. wood production and furniture. fabric metal merchandises. Papers? transit and communicating.

Because of the the civil war england, big no. of variables employed and the incompatibilities in statistical significance of the different betas in different portfolios. this does non state us much about the strength of the APT. Poon and papers Taylor ( 1991 ) use the same methods employed by Chen. Roll and Ross ( 1986 ) to reconsider their consequences and war england besides to see if their consequences were applicable to the UK Stocks. They find that variables similar to those of the Roll and Ross trials do non impact portion monetary values in the UK in wallpaper papers, the mode described. They conclude that it could be that other macroeconomic variables are at work or the methodological analysis of the trials employed by Ross and Ross is tribes unequal for observing such pricing relationships. They besides note some of import unfavorable judgment about the methodological analysis used by Ross and Roll. Wallpaper? First. it challenges the premise that market monetary values assets in a precise. systematic. additive mode even though the exposure of the stock returns to the civil war england, the macroeconomic factors might non be statistically important. Second. it notes that the wallpaper, two measure arrested development analysis is sensitive to rat and rabbit compatibility, the figure of independent variables in the arrested development adding more variables consequences in wallpaper papers, loss of statistical significance of old betas. Third. it notes that Ross and Roll did non see any lead/lag relationships between the plus pricing and the macroeconomic public presentation.

Fourthly. Rat And Compatibility? Roll and wallpaper Ross fail to take any seasonality associated with associated with the tribes of nigeria, industrial production series. This survey provides some empirical grounds that invalidates the wallpaper, Arbitrage Pricing Theory by the civil, demoing how the factors found to wallpaper papers, be relevant and rat and influential in wallpaper papers, Ross and Rolls ( 1980 ) survey are non statistically important when applied to the UK Stocks the dialogue paper, betas associated with those macroeconomic factors are statistically undistinguished. Reinganum ( 1980 ) supply some more empirical consequences of the Arbitrage Pricing Theory. He argues that a minimal demand for an alternate theoretical account of capital plus pricing ( CAPM ) should be that it explains the empirical anomalousnesss which arise within the wallpaper, sample CAPM. One such anomaly he observes is when portfolios are formed on Who is Frederick Essay, the footing of house size ; little houses consistently experience mean rates of returns about 20 % more per twelvemonth than those of wallpaper, big houses. He looks at the stock informations ( NYSE and American Exchanges ) from 1962 to 1978 to look into rat and, whether an APT theoretical account can account for the differences in the mean returns between little houses and big houses. Wallpaper? He uses a three. four and Essay on Making Affordable: a five factor theoretical account of APT to carry on these trials and finds that none of those theoretical accounts histories for the empirical anomalousnesss that arise within the CAPM. However. he does indicate out that although the consequences do non back up the APT. the beginning of mistake can be attributed to other factors. Regardless of that. his trials show that APT is non an equal theoretical account to find the wallpaper, risk-return equilibrium in a statistically important degree. C. Comparative Studies on APT Vs CAPM.

Bower. Bower #038; A ; Logue ( 1984 ) expression at the public-service corporation stocks in the NYSE and American Stock exchanges from 1971 to 1979. They used Ross #038; A ; Rolls four factors as its systematic influences. They performed time-series analysis and cross sectional arrested developments to happen the betas and the hazard premium sassociated with each factor to finally come up with a multiple arrested development additive theoretical account reflecting the risk-return relationship. They besides find the market beta and the security market line for dialogue paper, the same securities ( CAPM risk-return equation ) . They find two really contrasting sets of consequences from the two theoretical accounts. They found that APT to be a better theoretical account than the CAPM.

The R2 for the APT was higher for all the portfolios when indiscriminately grouped. when grouped by industry and when grouped by wallpaper papers, market beta every bit good. The unexplained discrepancies were higher for CAPM in all the portfolios every bit good. They besides perform a weak Theils U2 and happen the APTs U2 to competitive, be much lower than CAPM ( the lower the wallpaper, U2. the better predictor the theoretical account is ) . This paper provides strong empirical grounds in favour of APT when compared to the CAPM theoretical account. SECTION III: Methodology. The information I look are all United States informations from 1980 1997 ( monthly ) . Perfectly Competitive? I chose this clip period because there were no important long term dazes in the market or the economic system during this clip. The stock market clang of 19th October 1987 is an exclusion but the market recovered comparatively fast and there were no important long term macroeconomic alterations. Besides. I chose this clip period because it is the most recent period sing comparative stableness in the fiscal markets. There was the point com bubble 1997. recession after 9/11 in 2001 and the fiscal crisis at 2008. A expression at the S #038; A ; P graph below ( figure 1 ) shall show that.

Figure 1: S #038; A ; P 500 Index ( 1975-2006 ) I looked at wallpaper papers, monthly monetary values and dialogue paper returns for wallpaper, 160 companies from the S #038; A ; P 500. I use the adjusted information for this intent. I chose adjusted shutting monetary values and non the nominal shutting monetary values because the adjusted shutting monetary value histories for Essay Affordable:, any corporate actions that might alter the monetary value dramatically. For illustration a 2:1 stock split would half the monetary value of the stock in a twenty-four hours and later falsify my consequences. Wallpaper? 16 companies were chosen indiscriminately from each industry groups.

The industry groups were Energy. IT. Industrials. Materials. Utilities. Consumer Discretionary. Compatibility? Consumer Staples. Financials. Telecommunication. and Healthcare. The other variables were rising prices. Wallpaper Papers? alterations in the term construction of involvement rates. Essay College Aid Grant? overall industrial production. and hazard premiums for the same clip period.

Change in wallpaper, the term construction of involvement rates was the difference between the 10 twelvemonth Treasury Bond and the civil the 6 month T Bill rates. The Hazard Premium was the difference between monthly S #038; A ; P 500 returns and papers the 6 month T Bill returns. The beginning of the informations for tribes of nigeria, each variable is wallpaper papers listed in table 1. I employ three portfolio allotments to prove and analyze each theoretical account. The first allotment method will prove the CAPM theoretical account merely. 9 portfolios are constructed harmonizing to the beta. I calculate the war england, market beta for wallpaper, each company utilizing the OLS arrested development method and so rank the companies harmonizing to their beta.

Portfolio 1 has the lowest beta and Portfolio 9 has the highest beta. The mean betas for dialogue paper, each portfolio can be seen in Table 2. Table 2: Portfolio Allotment I Harmonizing to CAPM. securities with different betas consistently experience different mean returns. Higher betas would give higher norm returns ( Reinganum. 1981 ) . This is the relationship I will be proving in the Portfolio Allocation I. I would anticipate to happen a statistically important positive relationship between beta degrees of the portfolio and the mean returns. The first allotment will non be proving the APT. In Portfolio Allocation II.

I constructed 10s industry portfolios. There are 16 companies in each portfolio. I perform an OLS trial for each portfolio to wallpaper, happen the market betas ( for CAPM ) and betas for the 4 factors of Frederick Essay, APT. Papers? The four factors I chose are rising prices. hazard premium. industrial production and alterations in term construction of the involvement rate. I chose these factors because they were the most influential factor Roll and Who is Frederick Essay Ross ( 1980 ) found in papers, their factor analysis. I looked at the statistical significance of the betas of the civil, each factor to see how valid APT was. Finding statistical important betas for APT implies that CAPM is non equal. Papers? This is because harmonizing to CAPM. there is no other systemic hazard besides the market hazard. Or in other words. no other systematic factors affect the monetary values and later the returns of the stock.

I besides looked at R squares for dialogue paper, both the theoretical accounts to analyze which theoretical account was a better tantrum or which theoretical account explained the discrepancy better. In Portfolio Allocation III. I constructed 10 random portfolios. Each security was given assigned a random figure and so sorted consequently. I performed the same sorts of proving employed in Portfolio Allocation II and looked at the same variables. This method would assist extinguish any systematic prejudice the industry that the stock belonged to would hold on the stock returns.

This method of portfolio allotment is used in wallpaper papers, many surveies analyzing the two theoretical accounts ( Reinganum ( 1981 ) . Dhankar ( 2005 ) . Tursoy. Gunsel. Rjoub ( 2008 ) . Black. Jensen. and Scholes ( 1972 ) ) . Rabbit Compatibility? Section IV: Consequence. A. Portfolio Allocation I Results. Table 3: Beta Vs. Returns. The consequences for wallpaper papers, the Portfolio Allocation I are displayed in Table 3. 4 and rabbit figure 2. Consequences from the papers, arrested development analyzing the relationship between beta and returns are shown in Table 4. Looking at the assorted returns for the portfolios. there is no peculiar relation between the beta and tribes the returns at first expression.

Portfolio 1. which has the lowest beta. has a higher return than Portfolio 8 ( 2nd highest beta ) . This goes against the logic of CAPM. Table 4: Beta vs Return Regression. Table 4: Beta Vs Returns Regression. The arrested development besides goes on to demo that there is non statistically important relationship between the beta and papers their returns as advocated by CAPM. A expression at a simple spread secret plan ( Figure 2 ) besides shows how there is no existent trend/relationship between the beta and the return and if there is one. it is a negative 1. The first portfolio allotment trial shows that CAPMs market beta does non find the returns that the security will see. Figure 2: Beta vs. Returns Scatter Plot.

B. Portfolio Allocation II Results. Consequences for perfectly competitive, Portfolio Allocation II are as follows. Table 5 displays the arrested development consequences for APT. Wallpaper Papers? Table 6 displays the arrested development consequences for CAPM and Table 7 displays the R squares for both the theoretical accounts. Table 5: CAPM Consequences for Industry Portfolios. The CAPM Coefficients ( Betas ) for all the industry are extremely statistically important ( at a 99 % assurance ) . This shows that market has a really important influence on the returns of the stocks. These consequences support the CAPM and turn out compatibility, that CAPM passes the empirical trial. However. CAPM besides implies that no other variables should hold a important explanatory consequence because any other systematic hazard would be eliminated through variegation of the portfolio. An illustration here would be helpful to derive an intuitive apprehension of how the diversifiable hazard is papers eliminated.

If a peculiar stock has a strong positive relationship with industrial production ( for e. g. a steel company ) . one can happen another stock that has a negative relationship with industrial production ( unemployment insurance company etc ) . This will call off out the systemic influence that industrial production might hold on the plus of the monetary value of a peculiar security when it is grouped in the individual portfolio. Essay On Making College Affordable: Tuition Aid Grant? Looking at the APT consequences ( Table 6 ) . we find that there is in fact other variables that statistically influences the returns of the stocks. Table 6: Apt Consequences for Industry Portfolios. For the IT portfolio. the betas for the hazard premium and the industrial production factors are important. This means that those variables have explanatory effects on the stock returns. Wallpaper? For the on Making More Aid Grant, Consumer Staples portfolio. all the factors except rising prices have a statistically important explanatory consequence. A expression at the consequences will demo industrial production has a important coefficient in all 10 portfolios. hazard premium in all 10 portfolios every bit good.

Changes in term construction have a statistically important coefficient in wallpaper, eight out of the 10 portfolios and rising prices in four out of the 10 portfolios. These consequences provide empirical grounds for the cogency of APT. It shows how different macro economic factors have a statistically important influence on the returns of the stock. An deduction of this consequence is that CAPM is non equal since it finds that there are other sorts of rat and, hazard besides the market hazard. I looked at the R squares of the two theoretical accounts to see which theoretical account does a better occupation explicating or accounting for the discrepancies in the return. Table 7 lists the R squared for the different portfolios. Table 7: Roentgen Squares for CAPM and APT Models. Industry Portfolios The R squares are higher with the CAPM theoretical account for most of the portfolios. This shows that market hazard does capture more hazards built-in in the portfolio than other macro economic variables that were tested. Looking at the R squares by itself would take you to believe that CAPM is a better theoretical account. However since other macroeconomic variables do hold a important consequence on the returns.

CAPM is proven to be unequal. Further deductions of these consequences are discussed in Section V. C. Portfolio Allocation III Results. Consequences for Portfolio Allocation III are as follows. Papers? Table 8 displays the CAPM consequences for all 10 portfolios ( portfolios are indiscriminately constructed ) . Table 9 expressions at the APT consequences for perfectly, the same set of portfolios and Table 10 shows the wallpaper, R squares utilizing CAPM and APT for all the dialogue paper, portfolios. Table 8: CAPM Consequences for Random Portfolio Allocation. The consequences from the CAPM arrested developments for all 10 portfolios are statistically important at a really high degree ( 99 % ) . These consequences are similar to wallpaper papers, the 1s found in the industry portfolios. It provides farther grounds that market betas are important even when the industry prejudice is removed. Dialogue Paper? In other words. market hazard is reflected in the returns of the portfolios.

However for CAPM to keep land based on wallpaper, empirical grounds. Dialogue Paper? APT should be shown as statistically undistinguished. There should be no other explanatory variable or no other systematic hazard that affects the returns of the wallpaper, portfolio. The Apt consequences are shown below. Table 9: Apt Results for Random Portfolio. Allocation The consequences indicate that industrial production. hazard premium and alterations in term construction have statistically important betas in war england, all the portfolios. The beta for wallpaper, rising prices is statistically important in four out tribes of nigeria, of the wallpaper papers, 10 portfolios.

These consequences provide empirical grounds for the cogency of the APT. It besides implies that CAPM is non equal as it fails to take into history some of the other macroeconomic hazards. War England? These consequence shows that market hazard is non the wallpaper, lone variable that influences returns as implied by the CAPM. Table 10: Roentgen Squares for perfectly, CAPM and APT Models. Random Portfolio Allocation The R squared is somewhat higher when CAPM is employed as opposed to the APT. This consequence is once more congruous with the 1s found in the industrial portfolios.

It shows how the market overall explains the discrepancies better than other macroeconomic factor. Looking at wallpaper, the R squares might demo that CAPM is a better theoretical account. However. as mentioned earlier. R squares do non capture the whole image. Deductions of these consequences are discussed below. Section V: IMPLICATIONS. LIMITATIONS. AND CONCLUSION. The consequences shown above demonstrate a twosome of things about each theoretical account. The first consequences from portfolio allotment prove that beta does non find the returns.

It provides empirical grounds rebuting the CAPM theory. Although CAPM is falsified in the first trial. the other two trials ( Portfolio Allocation I and II ) show that market hazard is significantly reflected in the plus returns. The proving for Who is Frederick Douglass?, APT in these two trials shows that other macroeconomic hazards are besides reflected in the stock return. The two theoretical accounts can non both be right because CAPM says that merely market hazard is apparent in the plus and no other systematic hazard variable exists. Statistically important betas for APT in both the portfolio allotment trials show that there are other macroeconomic variables that account for papers, the returns of the security. On Making More Tuition? turn outing CAPM inadequate. The better R squares for CAPM shows that market hazards and motions explain the wallpaper, discrepancy in the stock returns better than all the perfectly, macroeconomic factors in the APT theoretical account. Wallpaper? Although it explains the discrepancy better. it ignores other important hazards present in the stock returns. This can be debatable when ciphering the stock monetary value and doing investing determinations.

These consequences show that the APT might hold a little border over the CAPM merely because it is non falsified and the consequences for it were statistically important. Rat And Rabbit Compatibility? However its weaker R squared values ( although non significantly weaker ) show that it can non explicate the discrepancies in the returns every bit good as the CAPM can. Fiscal practicians should utilize both the theoretical accounts in papers, junction and non take one over the other. Although my consequences show APT is perfectly competitive stronger and CAPM is wallpaper papers unequal. Essay More? CAPMs better R sq. and the statistical significance of its betas should non be ignored. B. Wallpaper Papers? Restrictions. There are some restrictions in this whole research 1 must maintain in Douglass?, head. Get the better ofing these restrictions will beef up the papers, research but the consequences of the trials I have done are still valid and supply insightful empirical grounds that has serious and meaningful deductions. The Civil? The first large restriction of this paper is the deficiency of econometric edification. Wallpaper Papers? For illustration the usage of more complicated theoretical account than the OLS arrested development theoretical account like the GARCH would give more accurate consequences. It would account for the noise nowadays in the fiscal information.

Besides for my APT testing. The Civil? I use Ross #038; A ; Rolls ( 1980 ) factors. I could execute my ain factor analysis to come up with the macroeconomic variables relevant for my informations which would beef up my APT consequences. Again. due to deficiency of my edification in econometrics and wallpaper papers Stata. I could non utilize this measure. However. Of Nigeria? these macroeconomic factors ( rising prices. industrial production. alterations in wallpaper, term construction. hazard premiums ) are used in other surveies excessively ( Poon #038; A ; Taylor. 1991 ) and still present valid grounds for the strength of the theoretical account. Another restriction of my paper is the beta appraisal technique I use. specially for the CAPM theoretical accounts.

I use the clip series OLS arrested development to gauge betas ( this is the market theoretical account ) . Rabbit? Using the market theoretical account calculator might be debatable for day-to-day returns of unsynchronized trading jobs. And if nontrading is a serious job this might take to prejudices in the appraisal which would impact the consequences ( Reinganum. 1981 ) . Other two appraisal methods are However. even the Scholes Williams calculator might be biased and inconsistent if nontrading is wallpaper papers a serious sufficiency job harmonizing to the civil, Dimson. Using all three appraisal techniques would hold led me to come to a conclusive reply ; my reply is limited merely to the market theoretical account. The prejudice evident in the market theoretical account gauging technique is wallpaper present in my consequences and should be eliminated by utilizing these other appraisal method. Dialogue Paper? On a broader position. my research looks at stock market informations for a really specific clip period. Papers? The external cogency of this research is merely application to developed stock markets during times of stableness.

The findings of this paper would non be applicable to developing stock markets or when the stock market demonstrates utmost volatility or experiences other sorts of exogenic or endogenous dazes. In the existent universe. markets experience these fluctuations. hence ballads my biggest restriction. There has non been adequate testing of these theoretical accounts for times of crisis and dazes in war england, the fiscal markets. This is an country where more empirical analysis and proving are warranted. C. Papers? Concluding Remarks. The consequences have shown that both theoretical accounts are non perfect. APT is the civil war england better because it takes into papers, history systematic hazards other than the market hazard as opposed to the CAPM which merely histories for the market hazard. The empirical cogency of the APT refutes the the civil war england, adequateness of CAPM as an plus pricing theoretical account. But the greater R squared demonstrated by the CAPM should non be forgotten every bit good.

The hazard averse and the rational investor would profit utilizing both theoretical accounts and coming to the most sound determination. Market hazards should non be ignored but neither should other macroeconomic hazards. Further research in more realistic market status is papers needed to see which theoretical account is better for changing market conditions. The pick of the theoretical accounts will hold serious effects for the investor every bit good as for the market as a whole. Possibly. there will be a theoretical account that incorporates the dialogue paper, strength of papers, both these theoretical accounts and eliminates the failings. but until so both theoretical accounts should be used in concurrence for the best consequences. Recognitions. I would wish to competitive, thank Professor Tymoigne for supplying my some valuable beginnings and wallpaper papers steering me through the procedure of this research. Professor Schleef for assisting me insight.

Dilara Zhamakayeva. Merica Shrestha and Lame Ungwang ( Undergraduate Economics Students ) for assisting me cod and assemble the immense sums of informations. 1. Basu. Rabbit? S. Papers? . Investment Performance of perfectly, Common Stocks in Relation to wallpaper, Their. Price-Earning Ratios: A Trials of the Efficient Market Hypothesis. The Journal of Finance 32. no. 3 ( 1977 ) : 663-682. 2. Black. Fischer. Rat And Compatibility? Michael Jensen. and Myron Scholes. The Capital Asset Pricing Model: Some Empirical Trials by Michael Jensen. Fischer Black ( deceased ) . Myron Scholes. Traveling to seek. hypertext transfer protocol: //papers. ssrn. com/sol3/papers. Papers? cfm? abstract_id=908569 #038; A ; rec=1 #038; A ; srcabs=350100 ( accessed December 4. 2010 ) . 3. Bower. Dorothy H. . Richard S. Bower. and Frederick Dennis E. Logue. Arbitrage Pricing Theory and Utility Stock returns. The Journal of Finance 39. no.

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Return. and Equilibrium: Empirical Trials. The Journal of Political Economy 81. no. 3 ( 1973 ) : 607-636. 7. Fama. Eugene F. . and wallpaper Kenneth R. French. The Capital Asset Pricing Model: Theory and Evidence by Essay College More Affordable: Aid Grant, Eugene Fama. Kenneth French. SSRN. Wallpaper Papers? hypertext transfer protocol: //papers. ssrn. Rat And? com/sol3/papers. cfm? abstract_id=440920 #038; A ; rec=1 #038; A ; srcabs=2358 ( accessed December 4. 2010 ) . 8. Wallpaper? Febrian.

Erie. and Aldrin Herwany. The Performance of Asset Pricing Models Before. During. and rat and rabbit After an Emerging Market Financial Crisi: Evidence from Indonesia. The International Journal of Business and Finance Research 4. no. 1 ( 2010 ) : 85-97. 9. Wallpaper? Huberman. Gur. and Zhenyu Wang. Arbitrage Pricing Theory. Columbia University. hypertext transfer protocol: //www0. gsb. Columbia. Perfectly Competitive? edu/faculty/ghuberman/APT-Huberman-Wang. pdf ( accessed November 1. 2010 ) . 10. Poon.

S. . and S. J. Taylor. Macroeconomic Factors and the UK Stock Market. Journal of Business Finance #038; A ; Accounting 18. no. 5 ( 1991 ) : 619-636. Wallpaper? 11. Reinganum. Marc R. . The Arbitrage Pricing Theory: Some Empirical Results. The Journal of the civil war england, Finance 36. no. 2 ( 1980 ) : 313-321. 12. Reinganum. Marc R. . A New Empirical Perspective on the CAPM. Wallpaper Papers? diary of fiscal and Essay quantitative analysis 16. no. 4 ( 1981 ) : 439-462. 13.

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