How to Conjugate Utiliser (to Use) in French

In French, the verb  utiliser  means to use. This is pretty easy to remember because it looks and sounds like the English word utilize. French students will be happy to know that the conjugations are almost as easy. Thats because its a regular verb, so transforming  utiliser  into the French for using or used follows a very common rule. This lesson will explain everything you need to know. The Basic Conjugations of  Utiliser French verb conjugations are a bit of a challenge because you have to memorize a new verb for every tense as well as every subject pronoun within that tense. This gives you five extra words to study, but  utiliser  is a  regular -er verb. It uses the same infinitive endings as the majority of French verbs, making each new one easier to memorize. The indicative mood is where we find the basic present, future, and imperfect past tenses. These should be your top priority when studying  utiliser. Using the stem (or radical)  utilis-  and the chart, match the subject pronoun to the appropriate tense to find the proper ending. For instance, I am using is  jutilise  and we will use is  nous utiliserons. If you practice these in context using short sentences it will help you learn them faster. Luckily,  utiliser  is such a useful word that youll have endless opportunities to use it. Present Future Imperfect j utilise utiliserai utilisais tu utilises utiliseras utilisais il utilise utilisera utilisait nous utilisons utiliserons utilisions vous utilisez utiliserez utilisiez ils utilisent utiliseront utilisaient The Present Participle of Utiliser The  present participle  of  utiliser  is  utilisant. This was created by simply adding -ant  to the verb stem. Thats another rule you can keep in mind that works for almost every verb ending in -er. Utiliser  in the Compound Past Tense When it comes to the past tense, you have the choice between the imperfect or a compound known as the passà © composà ©. This one requires a quick construction using the auxiliary verb avoir and the past participle utilisà ©. When forming the passà © composà ©, conjugate  avoir  into the present tense appropriate to the subject. Then, attach the past participle, which indicates the act of using already happened. For example, I used is  jai utilisà ©Ã‚  and we used is  nous avons utilisà ©. More Simple Conjugations of Utiliser Among the other useful and equally simple conjugations of  utiliser  that you may need are  the subjunctive  and  the conditional. Where the subjunctive questions that the action will take place, the conditional says that its dependent on something else. While its not a bad idea to add the  the passà © simple  or  imperfect subjunctive  to your vocabulary, its often not a necessity. These are used only on occasion, but you should be able to at least recognize each as a form of  utiliser. Subjunctive Conditional Pass Simple Imperfect Subjunctive j utilise utiliserais utilisai utilisasse tu utilises utiliserais utilisas utilisasses il utilise utiliserait utilisa utilist nous utilisions utiliserions utilismes utilisassions vous utilisiez utiliseriez utilistes utilisassiez ils utilisent utiliseraient utilisrent utilisassent The one conjugation that does not require the subject pronoun is the imperative. For this, you can simplify your sentence from tu utilise to utilise. Imperative (tu) utilise (nous) utilisons (vous) utilisez

The Tool Fear, Some People Are Ignorant Against Their...

Lily Kelly-Jervis Mrs. DiBella Language A MYP 5 3 November 2015 The Tool: Fear Some people are ignorant against their will, others know better. In the dystopian novel Fahrenheit 451 by Ray Bradbury, society has lost all sense of uniqueness and independence. Most people in the world of Fahrenheit 451 have conformed to their society because of the fear that taunts them. Those who are in charge, enforce the rules through perpetuating ideals using technology, the burning of books, and creating fear. A common theme throughout Fahrenheit 451 is that the people use technology as a way to occupy themselves. They are always busying themselves with meaningless things to do. The sole purpose of technology in this time is to occupy their brains, so that they have no time to think about anything other than what they’re doing in that moment, which prevents them from realizing what is happening in their society and prevents them from caring about what’s happening. In the book Mildred, the wife of the main character, is constantly watching what is called parlor walls. Parlor walls are the equivalent to TV in today s society. They recently installed another one, and not two months later she talks about installing another. Mildred uses the parlor walls as a way to escape from her reality. She chooses, and at the same time is forced, to be oblivious to the fact that she is never present in hers and her husband s life, â€Å"‘Will you turn the parlour off?’ he asked. ‘That s my family’† (BradburyShow MoreRelatedDifferences Between The And Of A Single Group1613 Words   |  7 PagesHuman views of difference as solely a separating factor in our humanity simplifies our understanding of each other as complex beings with complex identities. Focusing on human differences rather than similarities has lead to the simplification of a human identity to a single, superficial trait, dividing humanity rather than unifying it. 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Managing Consumer Markets for Accountancy - MyAssignmenthelp.

Question: Discuss about theManaging Consumer Markets for Accountancy. Answer: Introduction VENDOR app is the name of the application, the primary objective of the application is to connect buyers and sellers on an ideal and classified platform to negotiate and do the transaction by creating a secure and a comprehensive market platform. With an expected 200 companies and about 500 individual to utilize the application on their commercial activities, for the first two months of the application launch. With the number expected to increase over time. The application will be a free to download application either for Android or iOS users (Wen, et al. (2014). The Benefits of the Application The application will mostly target sales people in the mainstream industries like care sales, computers, and electronics, real estate business, land agencies, phone and much more. With a personal or individual platform also available. In which the users will post their products according to the categorization provided by the application. Location, time and price will all be a categorizing aspect of making help buyers have easy access to the products on the selling list(Bowerman, DeLorme, (2014). The app is unique from other online classified application as it utilizes the visual aspect on a deferent level. This is achieved, through the execution of a video call ability, where the interested party is able to video call the seller direct. Also, there will be a free video posting for the various products sold where the seller can record a video and post it along with the details of the item, with is acting as a supplement to the picture post of the product. This will performance as an advertisement platform where the video can incorporate audio aspects. The app will also consist of the electronic money platform where the transactions can take place within the network instead of other deferent avenues. That are prone to Insecurity and lack of assured privacy in terms of personal financial information. With all the features programmed in a secure way to avoid and mischiefs activates as the background staff members will also be monitoring the processes on a 24-hour basis. The application will be a free to download the app, with compatibility with on the android and windows operating system. With a modified software for the computers also available (Drew, (2013). The company will be taking a 30% cut of every transaction made on the platform as a pay and also 5% for every money withdrawal done using the vendor app electronic wallet. The app is expected to have monthly maintenance as an inclusive way for any updates in terms of adding new features, improving on security measures and developing the application according to the users requirements or preference in case of any. The Applications main Goal to Address The primary problem that the app intends to eliminate is the fraud in the online market. This is because in recent times more and more issues of cyber security are on the rise. With the problem lowering online business. For instance, most people have been conned by individuals posting fake items, and after negotiating the item price with the interested party and some amount of money transferred by the name down payment, the seller happens to close all communication avenues. Or in the case where after proper negotiations for the product and both parties meet for the transaction processes. The seller turns to a thief, to which they extort the money and take away the sale item too. Through high-tech firewalls which will be updated according to the changes and improvements in the technology industry (Christopher, et al. (1991). A highly secured database that will be linked to some of the security databases, for example, the credit burial so as to avoid any blacklisted persons from the ap plication platform. The application will also require credible documents from all users so as to monitor their transactions and as well as keep reliable records of each user. With an active anti-virus fitted to verify all the posts from the public. Another measure is that money will be posted by the buyer if they are content with the pricing of the item on sale. The after full delivery and efficient verification of the product. The customer will authorize the managing team to transfer the agreed amount to the sellers account. This move will help to increase, validation practice and appreciation of the products bought from the app and also enhance the safety of the transactions held (Sheth, Parvatlyar, (1995). User Guide The application will be available on the play store site for all interested users to download for free. After installation, the user will specify their main activity based on either; they are a company or individual. This will be followed the specification of either; the user is only a seller a buyer or both of them. This is because the interface between the vendor and the customer are not the same regarding the arrangements of the icons and their accessibility which depends on how quickly the user utilizes them, for instance, the take a video icon will not be visible for the buyer only user. Sellers Once the application is downloaded, installed and filled in the specifications. The seller will include their physical location the company or individual name, picture, followed by their contacts and a description of the kind of business they deal with, which will be accompanied by an advertising message of why they are the best to transact with them. That sort of information is what will act as their profile on the buyer's interface. Buyer The user will also specify their name, address, and contacts. After which the will verify their e-wallet information. From this step, they will be able to see all the current posts on their gadgets. And if any specific requirements are needed, the app provides a text box where they can write their interested items. Once the posted products are displayed, which will vary depending on the specifications on the search icon. In terms of location, price, and condition, the buyer will click the on the negotiation icon, which will link both the seller and buyer. And if they agree on their negotiation the buyer will release the amount to the application manager platform. The Application Monitoring Team After the negotiations are done, and every detail monitored, the managing team will delete the item from the selling platform and post it on the buyers negotiation platform. After which they will wait for an agreement notice so as to release the money to the seller. And if there will be any disagreement the both of them will send a disappointment notice where the item will be displayed back to the selling list and the money forwarded back to the buyer. At such a case the management team will investigate on whose flat it was. Then if validated the accused person will have a compensation fee of 5% of the item price to the other party. This kind of measures and penalties are implemented to increase effectiveness and credibility of the application and its users at large (Schmitz, et al. (2016). Conclusion The VENDOR app will act as a middle man in all the transactions carried out on the application platform. The app will provide what other classified applications dont manage. That is the security and a surety of the transactions to the users. By this, the app is expected to receive positive remarks from the target market, so as to help achieve the objective number of users. With future implementations an actual goal, such as, providing a mobile money transfer network that is not restricted by country or region boundaries as the current market provides. Reference Drew, J. (2013). How to develop and publish a mobile app. Journal of Accountancy, 215(2), and 24. Sheth, J. N., Parvatlyar, A. (1995). Relationship marketing in consumer markets: antecedents and consequences. Journal of the Academy of Marketing Science, 23(4), 255-271. Christopher, M., Payne, A., Ballantyne, D. (1991). Relationship marketing: bringing quality customer service and marketing together. Wen, D. M. H., Chang, D. J. W., Lin, Y. T., Liang, C. W., Yang, S. Y. (2014, June). Gamification design for increasing customer purchase intention in a mobile marketing campaign app. In International Conference on HCI in Business (pp. 440-448). Springer International Publishing. Schmitz, C., Bartsch, S., Meyer, A. (2016). Mobile App Usage and its Implications for Service ManagementEmpirical Findings from German Public Transport. Procedia-Social and Behavioral Sciences, 224, 230-237. Bowerman, K., DeLorme, D. E. (2014). Boaters perceptions of a mobile app for a marine conservation social marketing campaign. Social Marketing Quarterly, 20(1), 47-65.

Personal Finance Essay Sample free essay sample

To assist the Brittens choose the best investing option for their $ 40. 000 nest eggs. we will compare the returns of the assorted recommended investings options by ciphering their after revenue enhancement outputs. The assorted investing options and their after revenue enhancement outputs are shown in the undermentioned tabular array The condominium The mortgage company requires $ 10000 as the down payment for the condominium. The $ 10000 down payment will be deposited in an history which is traveling to gain involvement on top. The involvement will off-set some of the mortgage costs. The premise made here is that the mortgage investing option is the most cost effectual and therefore low-cost. Another premise is that the house is non for sale and therefore no revenue enhancement on the capital grasp. Municipal bonds Are issued by province. metropolis or local authorities. Interest received from municipal bonds are exempt from federal revenue enhancement. exempt from province revenue enhancement if brought by occupants of that province and exempt from local revenue enhancement if bought by occupant of the vicinity where the bond was issued By and large is a signifier of revenue enhancement nest eggs by people who have big revenue enhancement loads. We will write a custom essay sample on Personal Finance Essay Sample or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page Outputs are much lower than corporate bonds. Corporate stock Stockss represent equity ownership in a company therefore one owns a piece of the company. Because of the high returns of stock. they are ever high hazard. The dividend received and capital additions are nonexempt. Assume no capital grasp of corporate stocks Salvaging history Offered by most commercial Bankss. There are fundamentally two types of history in the market Basic nest eggs account-the involvement offered in these type of history is normally really low but the client can be able to retreat the money if they so wish. The involvement from this history is nonexempt Money Market account-the involvement offered in this type of history is comparatively high compared to other savings histories. The lone drawback with this sort of history is that you can non freely retreat the money. The money market history involvement is non nonexempt hence presents a revenue enhancement economy High growing common stocks Common stock represents equity ownership in the company investor therefore is portion proprietor of the company. Stocks normally have high returns and therefore are high hazard besides. The capital additions and dividend. received are taxed. There are no dividends in this instance but the capital additions is 10 % Recommendation The sum of nest eggs that the Britten’s have is $ 40000. We can infer from the computation of the person after revenue enhancement outputs of each of the available investings that the first option that the Britten’s should put in is the Condominium. The condominium requires $ 10000 and has the highest return. From the tabular array above we can see that it has an after revenue enhancement output of 10 % . This investing option should rank as the first blackball any other factors e. g. mortgage rates. continuance and flexibleness. The 2nd investing option should theoretically be the High giving up common stocks. This is because it has the 2nd best after revenue enhancement output of 5. 76 % . However this could alter due to the hazard profile of the Britten’s. If they are willing to take a high hazard since stocks are high hazard investings so they can put in this option. If they are risk averse. so the Municipal Bonds option is the manner to travel for the Britten’s. This investing option has a return of 5 % after revenue enhancement. Another most obvious advantage of this sort of investing is that it is revenue enhancement free and hence revenue enhancement nest eggs. The overall investing advice is that ; Invest in the Condominium as the first option ( $ 10000 ) and so depending on the hazard profile. if hazard takers ; put the staying $ 30000 in the High Yielding Common Stocks. If hazard averse. put in the revenue enhancement free Municipal Bonds Notice here that the nest eggs history is non considered because it has much lower after revenue enhancement output. Part II Page 2 Credit card finance charges are calculated utilizing different methods by the issuer. Therefore. the recognition card holder should be able to understand how each method works therefore enabling him/her to take cheaper beginning of recognition. There are three methods of ciphering recognition card finance charges Average day-to-day balance This method calculates involvement based on the outstanding balance at the terminal of each twenty-four hours. The outstanding balance is tracked each twenty-four hours by seting for any purchases and payments made. The involvement can be compounded monthly or day-to-day depending on the footings of the recognition card. If the involvement is compounded daily the involvement is calculated on the day-to-day balance and added to the gap balance the undermentioned twenty-four hours ( Street Authority: 2008 ) . Premise: involvement compounded daily Dayopening balancepurchasespaymentsshutting bal.finance charge 1 600 – – 600 0. 27 2 600. 27 – – 600. 27 0. 27 3 600. 54 – – 600. 54 0. 27 4 600. 81 – – 600. 81 0. 27 5 601. 08 80 – 681. 08 0. 30 6 681. 38 – – 681. 38 0. 30 7 681. 68 – – 681. 68 0. 30 8 681. 98 – – 681. 98 0. 30 9 682. 58 – – 682. 28 0. 30 10 682. 58 – ( 200 ) 482. 79 0. 21 11 482. 79 – – 482. 79 0. 21 12 483. 00 – – 483. 21 0. 21 13 483. 21 – – 483. 21 0. 21 14 483. 42 – – 483. 42 0. 21 15 483. 63 100 – 583. 63 0. 26 16 583. 89 – – 583. 89 0. 26 17 584. 15 – – 584. 15 0. 26 18 584. 41 – – 584. 15 0. 26 19 584. 67 – – 584. 67 0. 26 20 584. 93 – – 584. 93 0. 26 21 585. 19 – – 585. 45 0. 26 22 585. 45 – – 585. 71 0. 26 23 585. 71 – – 585. 71 0. 26 24 585. 97 – – 586. 97 0. 26 25 586. 49 – – 586. 49 0. 26 26 586. 49 – – 586. 49 0. 26 27 586. 75 – – 586. 75 0. 26 28 587. 01 – – 587. 01 0. 26 29 587. 27 – – 587. 27 0. 26 30 587. 53 50 – 637. 270. 28 Entire finance charge 8. 10 Interest daily = 16 % ?12 ?30 = 4. 4-4 Previous balance method This method calculated the finance charges based on the balance owed at the terminal of the last charge rhythm. This in kernel agencies that it does non see the current period’s payments. purchases and merely credits. The monthly involvement = 16 % ? 12 = 1. 33 % Previous balance = $ 600 Therefore finance charge = 600 ten 1. 33 % = $ 8 The draw back of this method is that the publishing company can bear down the recognition card holder involvement on balances already repaid. Adjusted balance methods This method of ciphering recognition card finance charge considers all the minutess that place during the charge rhythm. This means that purchases are added. payments subtracted and credits added to the gap balance in order to get at the shutting balance in which the finance charge is calculated on ( Learn Money: 2008 ) . This method is the most good to recognition card holder in footings of lower finance charges. Previous rhythm balance /opening balance ( current period ) = 600 Nov. 1 Attention deficit disorder: purchase 80 Nov. 5 100 Nov. 15 50 Nov. 30 Less: payments( 200 )Nov. 5 630 Monthly involvement rates = 16 % ?12 = 1. 333 % Finance charge = $ 630 x 1. 333 % = $ 8. 4 Best beginning of recognition From the above computations. it is apparent that the cheapest beginning of recognition is old balance method. But this is the instance merely because Nancy made merely one payment while bear downing more. Otherwise the best method for the recognition card holder is the adjusted balance method in that it considers all payment. credits and purchases. Therefore. if Nancy had made more payments. her finance charge would be much lower under adjusted balance method. This method works best if the recognition card holds repays more. The ideal method if the recognition card holders wish to increase the outstanding balance is the old balance method. this is because the current finance charge is calculated on the old balance which would be lower than current balance. Part III Page 3 Advice on fiscal troubles It is non unusual that a individual can hold fiscal jobs. which can ensue in his inability to refund the duties. If a individual is unable to run into his current and long term duties. so. he can register for bankruptcy under Chapter 13-Wage Earner Plan or Chapter 7- Straight Bankruptcy. Chapter 13-Wage Earner Plan This bankruptcy program is fundamentally a rearranging of debitors fundss. which consequences in to a prepayment agenda for the debts owed while at the same clip screening the debitor from foreclosure. garnishment and levies. It is non filed by corporations and partnerships. For a debitor to measure up to register Chapter 13 bankruptcy. he must demo agencies of refunding past debts every bit good as have incomes more than cost of life. Debtors must besides seek advice of recognition counsellor within six months before make fulling for bankruptcy. The debitor must besides go to money direction categories paid by them before being granted the bankruptcy order. After the order has been issued. it will be reported in the books for up to 10 old ages. The benefit of this method is that the debitor will derive from fiscal advice. This type of bankruptcy leads to a refund program of the debts owed. A Chapter 13 bankruptcy allows the debitor to maintain the assets while refunding the debts as compared to Chapter 7. which allows settlement of some assets. Bankruptcy orders safeguards the estate by signifier of an automatic stay. which prohibits repossession without orders of bankruptcy tribunals. The debitor formulates his refund program which if approved by the tribunal. a legal guardian is appointed ( who charges for the services ) and takes over the estate for the period of refund. Chapter 7-Straight bankruptcy This signifier of bankruptcy extinguishes the debts in the terminal with some assets being disposed off to pay the debts. Chapter 7 bankruptcy is non possible for debitors who can register under Chapter 13 or have been discharged from a bankruptcy during the last 6-8 old ages. The debitor must besides go to recognition direction categories and reding Bankruptcy allows the debitors to hold an automatic stay where the creditors can non â€Å"touch† the estate without the permission of bankruptcy tribunal. A legal guardian is besides appointed to supervise the direction of the assets with the purpose of paying off the debts owed. The legal guardian sells-off non-exempt assets to pay off the creditors. Exempt assets are largely personal effects. family. pensions. life insurance. unpaid earned rewards. public benefits. portion equity on abode and motor vehicles. A creditors meeting is called by the legal guardian to discourse the bankruptcy. Secured debts creditors can reclaim the collateral provided. All the debts are cleared except debts such as child support. revenue enhancement debts and pupil loans or deceitful debts. Any reception from heritage. insurance. divorce colonies with 180 yearss of registering for must be declared to the tribunal. Therefore if a individual can non comfortably run into their current or future duties they can choose to register for bankruptcy under Chapter 7 or 13 depending on their position ( legal ) and their fiscal place. Mention FindLaw ( 2008 ) .An Overview of Chapter 7 Bankruptcy. Retrieved on 28/2/2008 from hypertext transfer protocol: //bankruptcy. findlaw. com/bankruptcy/bankruptcy-chapter-7/bankruptcy-overview-chapter-7 ( 3 ) . hypertext markup language Larson R ( 2008 ) .Chapter 13 Bankruptcy-Wage Earner Bankruptcy. Retrieved on 28/2/2008 from hypertext transfer protocol: //www. expertlaw. com/library/bankruptcy/chapter_13_bankruptcy. hypertext markup language Learn Money ( 2008 ) .Financing Ratess.Geting Technical with Interest Calculation. Retrieved on 26/2/2008 from hypertext transfer protocol: //www. learnmoney. co. uk/credit-cards/financing-3. hypertext markup language Street Authority ( 2008 ) .Average Daily Balance Method. Retrieved on 26/2/2008 from hypertext transfer protocol: //www. streetauthority. com/terms/a/average-daily-balance-method. asp