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Many small businesses fail in their first five years. Their failure can be attributed to three main reasons: lack of the right team, lack of market demand and cash flow problems.
The Village Bank brings success to village entrepreneurs because it has the right management focus. Besides, Village Bank constantly respond to customer feedback as a way of identifying and meeting the needs of its users. Finally, Village Bank can manage cash flow well. At the Village Bank, cash is deposited as soon as it is generated and there is a high level of interest in how much it is retained, which helps them achieve 98% loan repayment.
In conclusion, the process of starting a business values and evaluates its financial capacity, especially like the Village Bank, and must not be reckless with risk, but must focus on the quality of your business, the needs of your customers and have sufficient cash flow to operate well.

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S：I want to improve my speaking and listening skills on a deeper level.
M：This semester I need to listen well in class and interact with the teacher. I also need to listen to TED and related speakers outside of class to practice my listening and speaking skills.
A：Pass listening and speaking tests this semester to achieve mid B2 standard in preparation for the future.
R：Watching TED can be improved quickly by calling ‘shadow-following and watching’ each talk at least three times
T：Within this semester

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I think Mark's vocabulary and pronunciation are excellent, I have been working with him for the last term and I think his presentation is improving all the time, his listening is also very good, I think he could improve more on his presentation level and control his speed and fluency more accurately. XD

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Answers for “seminar on learning online versus regular classroom”

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Answers for “seminar on learning online versus regular classroom”

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Seminar on learning online versus regular classroom

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Seminar on learning online versus regular classroom

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Independent study: The Battle at Lake Changjin

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Independent study: The Battle at Lake Changjin

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Set against the backdrop of the Battle of Changjin Lake, Changjin Lake tells the story of Wu Wanli, who follows his older brother Wu Qianli in his fight against the US and supports the North Korea, and grows and transforms during the war. Through the perspective of Wu Wanli, the audience realises the brutality of the war against the US and the perseverance of the volunteer soldiers, and feels the greatness of the spirit of the war against the US and Korea, triggering strong feelings of empathy and resonance. We should read the "triple realm" of spirit in "Changjin Lake" and draw the strength to continue the spirit of anti-American aid.

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My independent studying: Basic music theory 

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My independent studying: Basic music theory 

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I started learning basic music theory during the summer holidays and bought books on the subject. My aim in learning basic music theory was initially to learn aspects related to arranging, as I was listening to some pure music on some music apps and thought it sounded good. So I also wanted to try arranging my own music, and I downloaded ‘ FL studio’ to try arranging my own music, but it was too difficult to get started. That's why I learned basic music theory first. In this book I learn about the composition of tones, such as pitch, loudness. The most difficult part of the book is the meter. The twelve mean meters are easy, but the pure meters are too difficult to understand and I still have to study them in depth.

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My independent studying：Data processing and programming

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My independent studying：Data processing and programming

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This book talks about how to become proficient in excel's VBA skills. It is the foundation of the MIS course. I studied this book to develop my logical thinking and programming skills.
This book has not only allowed me to review some of my knowledge of excel data processing and deepen my grasp of VBA. I know how to analyse a topic and how to choose a better data structure. I was able to move from how to implement a program function to how to complete the program design in less space and less time.
This book has also helped me to understand how to design a program. The general outline of the program is completed in the design, the algorithms and design of the key problems are addressed in the detailed design, and the final fixes to the program are completed in the debugging and analysis. In this way a better program is designed.

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From an economic standpoint, I think that the Industrial Revolution gave a great boost to the economy.
It changed the tools of people's labour, gave a great boost to science and technology, and effectively contributed to the improvement of productivity.
The increase in productivity boosted the economy.
In addition to this, the development of science and technology also led to the upgrading of weapons and the waging of war led to rapid economic development.

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Flynn, Mark

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Flynn, Mark, Ting, Charles

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"[Mark] & [Flynn]'s Discussion on Critical thinking

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"[Mark] & [Flynn]'s Discussion on Critical thinking

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I was learning Cantonese during the summer vacation. The reason why I study it is that I am a Cantonese. At first, I searched for relevant knowledge on a platform called 'Zhihu' to see how they learned from 'zero'. First of all, I bought a textbook called Cantonese course. It has the most basic concept of voice system and many examples. I think it is very useful. What surprised me most was that there were six tones in Cantonese, which was very difficult for me to understand. Because there are only four tones in Chinese, and they are very different. In addition, I downloaded 'Ximalaya', which is an audio radio station. I subscribed to the basic vocabulary and Cantonese course, so as to create a better Cantonese environment and exercise my sense of language. Besides, I also subscribe a public account called ‘Yuezhi one or two’ on WeChat. It will share some Cantonese usage in daily life. I think the learning of a language should be continuous. Not learning for a period of time will make you forget your previous knowledge.Now I haven't reviewed for some time, so I've almost forgotten. I hope I can set aside some time per week to learn Cantonese.

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"[Mark] & [Flynn]'s Discussion on China's Most Sustainable City"

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"[Mark] & [Flynn]'s Discussion on China's Most Sustainable City"

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After watching the squid game in one breath, four things impressed me most: in the game, laborers and doctors can also use their weak authority and ability to sell the bodies of dead competitors as organ resources. Claim: People are not machines, so don't assume you can control them all. 2. The fairness of the game is abused by players with great power, laborers with certain authority, or powerful people who crave excitement. The rules spoken by the host sound like a joke. Conclusion: Don't pin all your hopes on the so-called rules. There will always be people who break them. 3. Cannibalism, friends with benefits, the so-called faith of religious fanatics, contestants can be ugly in the face of life and death. By contrast, when Jiang Xiao and Ji-young face the inevitable death of one of them in the fourth round of the game, they are cool and cool. Desire for life is human instinct, death and life when ugly face is understandable, but we hope is not so hysterical and unscrupulous, should be let it come. Conclusion: Do not test human nature, human nature is evil is not worth testing. 4. The protagonist deceives the old man in order to survive, but accuses his brother of hypocrisy by testing the rigidity of the suspension bridge with glass factory workers in the fifth round. Do not predict the trend of events, like to open the mouth to ask, is blind. Thieves steal from him, but he draws men into his team for his beauty, for licking dogs. The blind sanctimonious lick dog walks out of the game alive and pandering to the audience. Conclusion: more brain, more thinking, don't be old touched, TV drama can be so shot, you can not live so.

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1.The most basic concept of accounting is reconciliation.
2.It is generally believed that the suitable direction of accounting is financial accounting and management accounting.
3.The practical solution to people defaulting on their debts in the statements is bad debts.

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1. UN established on 24th October 1945, had 51 member countries. An important reason for the success of the United Nations is that UN has Security Council. It makes UN much more powerful because it has significant potential military power and great. It has 15 states,including 5 permanent members since 1965.

2. I heard the most interesting thing is UN has substantial power because of the establishment of Security Council. I learn that when an organization or country has strong military power, it will have the right to speak.

3. From my perspective, I assume  the most positive things is the UN actually promote the world peace. The negative things is Security Council hasn't southern hemisphere. No African, no Latin American countries.

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I find my classmate more energetic. What interests me most is that Ting's favorite color is yellow.This represents that his character has become more lively,open personality. Besides, I found Charles had a cool haircut. Ting CSGO has also played well recently, also need to be improved.

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I find my classmate more energetic. What interests me most is that Ting's favorite color is yellow.This represents that his character has become more lively,open personality. Besides, I found Charles had a cool haircut. Ting CSGO has also played well recently, also need to be improved.