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Kalbėjimas anglų pamokai "The ways of spending free time for young people". Įvertintas 10.
Anglų kalba  Kalbėjimo temos   (1 psl., 9,77 kB)
Išsamus pristatymas apie Šilutės miestą anglų kalba.
Anglų kalba  Projektai   (25 psl., 2,29 MB)
English-speaking country. Travel. Cycling. Attractions of Lithuania.
Anglų kalba  Kalbėjimo temos   (1 psl., 8,48 kB)
information....
2011-03-20
anglu rasinys
Anglų kalba  Rašiniai   (1 psl., 6,5 kB)
Turizmas yra viena svarbiausių aktyvaus poilsio rūšių ir viena veiksmingiausių žmogaus rekreacinių poreikių tenkinimo priemonių. Žodis „turizmas“ kilęs iš lotynų kalbos(„turn“- sukimas, sukutis – vilkutis), reiškiantis kelionę iš vienos vietovės į kitą, tačiau grįžtant į pirmąją. Turizmas gali būti suprantamas kaip geografinis reiškinys, nes žmonės keliauja iš savo gyvenamosios vietos pro šalį arba į užsienį. Lankomos vietos pasižymi gražiais unikaliais peizažais, istoriniais bei kultūriniais paminklais bei savita tautos kultūra. Tačiau turizmo plėtotei reikalingi geografiniai tyrimai. Šalyse, priimančiose keliautojus, atliekamas regiono funkcinis tyrimas, reljefo sandaros įvertinimas ir jo panaudojimo turizmui galimybės.
Geografija  Kursiniai darbai   (27 psl., 2,98 MB)
Birštonas
2010-08-10
LR teritorijos bendrajame plane pagal arealų patrauklumo kategorijas Birštonas laikomas didelio potencialo regioninės svarbos rekreacijos centru, kuriame skatintinas plėtoti ne tik kurortinis gydymas, bet ir poilsis gamtoje bei pažintinis turizmas. Visa Nemuno slėnio juosta (Druskininkai – Kaunas – Nemuno delta) išskirta kaip viena svarbiausiu vietos ir užsienio turizmo zonų. Dėl archeologijos (piliakalnių, senovės gyvenviečių), architektūros ir urbanistikos paveldo vertės ir išsidėstymo Birštonas laikomas antru pagal svarbą apskrities kultūros vertybių bei rekreacijos arealu, dalimi vientiso Panemunių regiono.
Geografija  Referatai   (20 psl., 1,28 MB)
63 anglų topikai
2010-05-31
BALANCED DIET, CINEMA, CRIME, ENVIRONMENT, EUROPEAN UNION & NATO, FOREIGN LANGUAGES, HISTORY OF CHRISTMAS, JUNK FOOD, LITHUANIA IN 50 YEARS’ TIME, MASS MEDIA, PROFILE EDUCATION, SMOKING & DRUGS, SPORT,TECHNOLOGY DEVELOPMENT, TRANSPORT....
Anglų kalba  Kalbėjimo temos   (42 psl., 53,24 kB)
Panemunė džiugina lėta ramybe, tarsi sustingusia istorija ir vaikystę primenančiais vaizdais. Šiandien Panemunė tokia pati, kaip ir prieš daugelį metų, ir tuo pačiu – kitokia. Vaizdingos pilys, ūksmingi parkai, Nemuno terasose nusidriekę miesteliai išsaugojo laikui nepavaldų grožį ir vis labiau dabinasi, laukdami užsienio turistų ar tėviškės nebepažįstančių tautiečių. Panemunė atgimsta. Pasirinkau šį kelionės maršrutą, nes manau, kad jis tiktų užsienio turistams, kuriems įdomu Lietuvos istorija, gamta. Beveik visos kelionės autobusu metu lydi ispūdingi gamtos vaizdai.
Geografija  Projektai   (27 psl., 2,06 MB)
“ABOUT... PEOPLE and TRIPS”
Anglų kalba  Referatai   (5 psl., 9,7 kB)
Pagal ją klientai vietinėse parduotuvėse už smulkius pirkinius atsiskaitydavo kreditiniais rašteliais, kuriuos parduotuvė pateikdavo bankui, o pastarasis apmokėdavo juos iš pirkėjų sąskaitų. Tai pirmoji klasikinė kreditinų kortelių veikimo sistema, kurios principai išliko iki šių dienų. Kiek vėliau tarp kliento ir komercinės kompanijos siūlančios ne tik prekes bet ir paslaugas atsiranda organizacija tarpininkė, kuri imasi tvarkyti atsiskaitymo reikalus. Klasikinis pavyzdys yra “Diners Club” atsiradęs JAV apie 1949m. Alfred Bliumingdeil stambių univermagų tinnlo įkūrėjo anūkas ir Frencis Maknamara, vienos financinės kompanijos vadovas iškėlė idėją, kad galima sukurti kompaniją, kuri už tam tikrą mokestį, galėtų kredituoti smulkius pirkimus bei paslaugas tam tikrame Niujorko rajone. Jie paklausė vieno restorano savininko kiek jis mokėtų už naujų klientų pritraukimą, jei kitais keliais jis pats šių klientų neprisiviliotų, jis atsakė: 7 procentai. Ir šis skaičius apie 2 dešimtmečius dominavo kreditinių kortelių rinkoje. Žymiai vėliau restorano savininkas buvo paklaustas iš kur jis ištraukė šį skaičių. Jis paaiškino: kelionų agentūros agentas už naujų klientų priviliojimą būtų paprašęs 10. Prie šių žmonių prisijungė Maknamaros juristas Sneiders, ir kadangi jų ofisas buvo Empire State Bilding jie pradėjo platinti reklaminius lapelius aplinkiniuose ofisuose, kviesdami su jų kreditinėmis kortelėmis papietauti aplinkiniuose 10-12 restoranų. Mokestis už kreditinę kortelę nebuvo imamas, o klientų finansinę būklė nebuvo tikrinama. Užteko padoriai atrodyti ir patvirtinti, kad jis dirba šitame pastate. Per pirmą mėnesį apyvarta pasiekė 2000 dolerių, o pelnas 140 dolerių. Vėliau apyvarta pradėjo sparčiai augti todėl Bliumingdeil Los Angele pradėjo tokia pat veiklą pagal analogišką schemą, pavadintą “Dine and Sign”, jam pavyko pritraukti 25 restoranus ir mėnesio apyvartą padidinti iki 150 tukstančių, o jo kompanionai Niujorke pasiekė 250 tukst. men. apyvartą. Vėliau apjungus Los Angelo ir Niujorko padalinių veiklą atsirado nauja kompanija pavadinta “Diners Club”. Po metų ši kompanija turėjo kontraktus su 285 komerciniais taškais ir buvo išleidusi 35 tukst. kreditinių kortelių. Kiekvienas kortelės turėtojas klubui per metus mokėjo 3 dolerius. 1951 m. “Diners Club” apyvarta siekė 6,2 mljn. dolerių, o grynas pelnas 61 tukstantį. Ilgus metus “Diners Club” buvo monopolistas šioje kreditinų kortelių rinkoje. 1958 metais buvo sukurta Kart Blanš sistema kuri prieš tai buvo Hilton viešbučių korporacijos privati kortelė. 1958 metų spalio 1 dieną buvo išleista pirmoji “American Express”. Po metų ji įsigijo “Universal Travel Card”, kurias leido JAV viešbučių asociacija. Dėl išvystyto tarptautinio kortelių aptarnavimo tinklo ir didelių finansinių išteklių, skirtų klientų kreditavimui, jau 1960 metų pradžioje “American Express” turėjo sudariusi sutartis su 32 000 komercinių taškų ir išleidusi virš 475 000 kortelių. Tuo pat metu daugiau kaip 100 JAV bankų pradėjo realizuoti savas kreditinių kortelių programas. Tačiau greitai bankai susidūrė su problema - per siauros savų kortelių aptarnavimo rinkos. Todėl 1966 metais Bank of America, kuris leido BankAmericCard korteles pradėjo išdavinėti licenzijas kitiems bankams, šių kortelių leidimui. Bank of America konkurentai 1969 metais susijungė į asocijaciją ICA (Interbank Card Association) ir nusipirko teisę iš vakarinių valstijų bankų leisti “Master Charge” korteles. Bankai kurie leido “BankAmericCard” 1970 metais susijungė į NBI (National BankAmericCard Incorporation). Tuo būdu 1970 metų pradžioje universalių banko kortelių rinkoje atsirado 2 stambūs konkurentai. Tuo pat metu universaliosios kortelės buvo skirstomos į korteles skirtas kelionėms ir pramogoms (Travel & Entertainment) kurias leido “Diners Club”, “American Express”, ”Cart Blansh” ir kurios buvo skirtos apmokėti už paslaugas viešbučiuose, restoranuose ir grynai bankines korteles. Dabartiniu metu šis skirtumas beveik išnykęs ir šis suskirstymas yra gana sąliginis. Apie 1976 metus prasidėjo atskirų NBI ir ICA padalinių susijungimas. Apie 1951 metus Britanijos viešbučių ir restoranų asociacija pradėjo leisti Europoje universalias BHR kreditines korteles. 1965 metais ji susijungė su savo Švedijos konkurentu “Rikskort”, kurios savininkai buvo Valenbergų šeima, ir įkūrė kompaniją “Eurocard International”. Septinto dešimtmečio pradžioje ICA ir NBI pradėjo skverbtis į Europos rinką, dėl šios priežasties 1976 metais NBI pakeitė savo kortelės “BankAmericard” pavadinimą į europiečiams labiau priimtiną “Visa”, o ICA į “Master Charge” į “Master Card”. 1992 metais susiliejo Eurocard International su mokėjimų sistema Euro Check, ko pasekoje gimė “Europay International”. Japonijos rinkoje dominuoja JCB kortelės. Funkcionavimo principai. Pats paprasčiausias kreditinės kortelės funkcionavimo pavyzdys yra kai ją išleidžia 1 firma. Tokioje sistemoje atsiskaitymas negrynais vyksta tarp 3 dalyvių: kortelės eminento, kortelės savininko ir aptarnavimo punkto. Aptarnavimo punktu gali būti ne tik viešbutis ir parduotuvė, bet ir banko skyrius išduodantis kortelės sąvininkui pinigus grynais. Klientas pateikęs kortelę gauna prekę arba paslaugą, mainais į kvitą vadinamą slipu. Kuriame fiksuojamas kortelės numeris aptarnavimo punkto kodas ir koordinatės, paslaugos arba prekės suma, operacijos data. Slipą pasirašo kortelės sąvininkas bei pardavėjas. Aptarnavimo punktas slipą pateikia kortelės eminentui, o pastarasis perveda pinigus į nurodytą sąskaitą. Eminetas pateikia kortelės sąvininkui sąskaitą ir jį kredituoja, po kurio laiko gaudamas šias lėšas atgal iš kortelės savininko. Daugelyje apmokėjimo schemų eminentas automatiškai nurašo nuo kortelės savininko sąskaitos reikalingą sumą, pagal išankstinį susitarimą. Tačiau šiuolaikinėje kreditinių kortelių sistemoje visas mechanizmas veikia žymiai sudėtingiau, dėl sekančių priežasčių: 1.Kortelių biznis susideda iš 2 tarpusavyje susietų dalių: kortelių savininkų ir komercinio tinklo, kuriame šios kortelės funkcionuoja. Šioje situacijoje naudingesnėje padėtyje atsiduria bankai, kurie turi ir viena ir kitą. 2.Net ir labai stambūs bankai nepajėgūs sukurti didelės konkurentiškos sistemos. Todėl jiem naudingiau jungtis tarpusavyje. Šitoje bankų asociacijoje atsiranda reikalas turėti jungiamąją grandį, kuri atliktų atsiskaitymus tarp atskirų eminentų, nes vieno banko klientas su kreditine kortele gali ateiti į parduotuvę, kurią aptarnauja kitas bankas. Todėl ir reikalingas centras apdorojantis operacijas, t. y. atliekantis procesingą. Šita centrinė procesinginė kompanija gali atlikti ir kitas funkcijas: autorizacija (aptarnavimo punktas gali užklausti ar klientas yra pajėgus apsimokėti už paslaugas arba prekes). Paprastai autorizacijos centras patvirtina arba nepatvirtina kliento mokumą, nenurodydamas jo sąskaitos dydžio, kliento pavardės. Tuo būdu šiuolaikinę atsiskaitymų sistemą sudaro: 1. Kortelių bankai - eminentai; 2. Bankai - ekvaireriai (bankai valdantys komercinį tinklą, t. y. tiesiogiai aptarnaujantys viešbučius parduotuves ir panašiai); 3. Parduotuvės ir kiti komerciniai taškai; 4. Atsiskaitomieji bankai; 5. Procesingo kompanijos, kurios apdoroja finansines operacijas; Kortelės savininkas iš parduotuvės ar kito komercinio taško gauna prekę arba paslaugą kreditan, komercinis taškas pateikęs slipą gauna nuo savo banko ekvairerio piniginę kompensaciją už kortelės savininko pirkinį. Bankas ekvaireris šiuos pinigus atsiima kreipdamasis į banką eminentą, tiesiogiai arba per tarpinį atsiskaitomąji banką. Ir pagaliau bankas eminentas atsiskaito su klientu per jo saskaitą. Praktikoje bankas ekvaireris gauto iš komercinio taško slipo duomenis paverčia į elektroninę formą (failą) kuris siunčiamas į procesingo kompaniją. Ši kompanija per dieną gautus failus kaupia, rūšiuoja ir persiunčia bankui eminentui. Šitas sumarinis dokumentas yra pagrindas bankui ekvaireriui gauti iš banko eminento išeikvotas lėšas, o pastarasis šių elektroninių duomenų pagrindu vykdo kortelės savininko sąskaitos kreditavimą arba debitavimą. Pagal šitą schemą vyksta netik kliento lėšų judėjimas bet juda ir komisiniai pinigai, kuriuos išsidalina šioje grandinėlėje dalyvaujančios įstaigos, nes jų darbas paremtas komercijos pagrindais. Komisinių pinigų išskaičiavimas yra visiškai skirtingas kai kortelės savininkas perka prekę parduotuvėje ir kai jis nori paimti pinigus grynais jį aptarnaujančiame banke. Bankas išduodantis kortelės savininkui grynus pinigus faktiškai jį kredituoja, ir tarptautinėse sistemose ši operacija vadinama”kasos avansu”. Todėl kortelės savininkas gaudamas pinigus grynais turi papildomai apmokėti komisinius už kreditavimą (Lentelė Nr.2). Jei kortelės savininkas perka prekę, į šią parduotuvėję atliekamą operaciją įtraukiamas mokestis už mainus (Interchange fee). Jos tikslas kompensuoti bankui eminentui išlaidas, kol iš kortelės savininko kreditinės sąskaitos pervesti pinigai į parduotuvę sugrįš atgal bankui eminentui. Šiuo atveju komisinius apmoka parduotuvė. Kai kuriuose Rytų Europos šalyse tame tarpe ir Lietuvoje gali būti nukrypimų nuo šitos pasaulyje pripažintos schemos (Lentelė Nr.3). Smart cart Viskas kas buvo paminėta tinka kortelėms su magnetine juosta, kurios sudaro daugumą kortelių funkcionuojančių šiandieną pasaulio rinkoje. Kortelėms su įmontuotomis mikroschemomis arba Smart-kortelėmis taikomi kitokie funkcionavimo principai. Patentą išleisti pirmas korteles su mikroschema 1974 metais gavo prancūzų inžinierius Rolan Moreno, tam tikslui sukūręs firmą “INNOVATRON INGENIERIE”. Pagrindinis smart kortelių pranašumas lyginant su kortelėmis magnetinės juostos pagrindu yra jų daugiafunkcionalumas, saugumas ir patikimumas, o taip pat ir autorizacijos galimybė režime Off-line. Dažniausia smart kortelės panaudojamos organizacijoms atsiskaitymui negrynais, telefonų kortelėms, korporacijoms ir įstaigoms, atsiskaitymams konkretaus subjekto viduje. Visos Smart kortelės yra apsaugotos PIN-kodu (personal indentification number). Šios kortelės turi dvigubą apsaugos sistemą: kiekvienoje atsiskaitymų negrynais sistemoje dalyvauja 3 subjektai-kortelės savininkas, bankas išdavęs kortelę ir komercinis taškas. Informaciją kortelėje gali keisti arba banko tarnautojas arba prekybos taško darbuotojas. T.y. kredito srytyje turi dirbti banko atstovas, o debito prekybininkas, jei kortelė turi tik 1 atminties apsaugos zoną su debito ir kredito srytimis gali dirbti tiek prekybininkas tiek bankininkas, o tai sudaro sąlygas nesąžiningumui ir sukčiavimui. Smart - kortelėse yra 2 atminties apsaugos lygiai ir joje realizuojamos specialio komandos tokios kaip “atidaryti sąskaitą”, “kredituoti sąskaitą”, “nuskaityti likutį” ir pan. Pvz.: prekybininkui prieinama tik komanda debituoti saskaitą. Priimant mokėjimus pagal smart korteles naudojami 2 tipų įrenginiai: mokėjimo terminalai arba kasos registratoriai. Mokėjimo terminalas tai specilizuotas mikrokompiuteris. Dėl nedidelės operatyvinės atminties, šitie terminalai negali sukaupti daug informacijos ir dažniausia naudojami vieno eminento klientams aptarnauti. Kasos registratoriai sukurti ir dirba IBM PC bazėje. Jie leidžia priimti visas mokėjimo rūšis ir turi visus kasos aparato atributus. Programinės įrangos išplėtimo galimybė leidžia sukurti daugiaeminentines sistemas, šitos kasos yra aprūpintos Cart reader su PIN klaviatūra. Universali elektroninė mokėjimo sistema (U.E.P.S.). Ji skirta atlikti atsiskaitymus ne grynais pagal mikroprocesorines korteles U.E.P.S. Ji sukurta pranzūzų firmos NET1 International ir nuo 1991 metų įdiegta eilėje šalių. (jau taikoma ir Vilniaus banke). Pagrindinis šios sistemos privalumas yra tas, kad visas mokėjimos TRANZAKCIJAS galima atlikti režime Off-line betarpiškai bendraujant 2 kortelėm, daugialaipsnė kortelių emisijos sistema ir visiškai nėra slaptos informacijos prekybinių terminalų atmintyje. Kortelės savininko gauti pinigai randasi banke atskiroje sąskaitoje (Holding Account) ir banko panaudojami kaip laisvos kreditinės lėšos. Parduotuvės terminalas turi 2 readerius smart kortelėms. Darbo pradžioje į vieną iš jų įstatoma parduotuvės kortelė. Į laisva readerį įstatoma pirkėjo smart kortelė atsiskaitant už prekes. Tuo metu pirkinio kaina nuskaitoma nuo kliento kortelės į parduotuvės kortelę, kartu su kortelės numeriu, data ir kita reikalinga informacija. Visa šita informacija užrašoma į terminalo atmintį. Pasibaigus darbui parduotuvės terminalas inkasuojamas ir duomenis pervedami į banko eminento einamąją sąskaitą. Panašiai darbas vyksta jei kortelės savininkas nori gauti grynus pinigus bankomate. Vykstant dialogui tarp 2 kortelių visa informacija yra šifruojama specialiais raktais ir yra unikali kiekvienam ryšio seansui. Bankas eminentas gavęs informaciją iš komercinio taško dešifruoja informaciją savais raktais. Jeigu klientas kortelę gavęs šiame banke nuo jo sąskaitos nurašoma reikiama suma ir atitinkama suma pervedama į parduotuvės sąskaitą. Jeigu klientas gavo kortelę kitame banke formuojamas mokėjimo pranešimas ir siunčiamas per emisijos centrą reikąlingam bankui. Šis bankas gavęs pranešimą atlieka ankščiau minėtas operacijas. Kortelių rūšys Egzistuoja daug kortelių klasifikavimo rūšių: 1. Pagal medžiagą iš kurios ji padaryta: a)popierinės, b)plastikinės, c)metalinės. Pastaruoju metu daugiausia naudojama plastikinės kortelės. Kai kur dar naudojamos popierinės (kartoninės) laminuotos kortelės, kurios yra pigios tačiau nepatikimos padirbimo požiūriu. 2. Pagal informacijos užrašymo pobūdį a)grafinis užrašas, b)embosiravimas (įspaudimas), c)šrich-kodavimas, d)kodavimas magnetinėje juostoje, e)kodavimas čipsuose, f)lazeriniai įrašai. Grafiniai užrašai buvo naudojami pirmosiose kortelėse, tačiau ir dabar kiekviena kortelė turi grafinius vaizdus pagal kuriuos identifikuojamas bankas ar kompanija išleidusi konkrečią kortelę. Kartais kreditinėse kortelėse yra įspaudžiami (embosiruojami) kortelės sąvininko duomenys (vardas, pavardė). Štrich kodavimas buvo naudojamas iki tol, kol neatsirado įrašai magnetinėse juostose. Štrich kodai buvo panašūs į tuos kurie yra ant prekių. Jie buvo populiarūs dėl savo pigumo, kiek vėliau štrich kodai buvo dengiami nepermatomo plastiko sluoksniu ir nuskaitomi infra raudonaisiais spinduliais. Kredito kortelių sistemoje įvyko revoliucija 6 dešimtmetyje, kai ant kortelės pradėta klijuoti magnetinė juosta ir joje užkoduotu būdu buvo įrašomas kortelės numeris jos galiojimo laikas ir kita informacija. Šios kortelės ir šiandien yra pačios populiariausios pasaulyje, bet praėjus 20 metų nuo jų panaudojimo pradžios tapo aišku, kad jos negali užtikrinti pakankamos informacijos apsaugos. Todėl 1974 Moreno pasiūlė tam tikslui panaudoti čipą arba mikroschemą. O tokias korteles pavadino Smart - card. Kortelės paplito Prancūzijoje, PAR ir kitose šalyse, tačiau pilną išplitimą pasaulyję stabdo palyginti aukšta šių kortelių gamybos kaina. Tik paskutiniais metais, kai pasaulinėje atsiskaitymų sistemoje kortelėmis su magnetine juosta pastebima vis daugiau sukčiavimo atvejų, Smart kortelės pradėtos dažniau diegti į praktiką. 1981 metais John Dreksler išrado optinę kortelę kur įrašas lazeriniu prietaisu daroma į specialų lazerinį diską, įlietą į kortelę ir atitinkamai lazerio pagalba jis nuskaitomas. Šių kortelių privalumas tas, kad galima įrašyti didelės apimties informaciją. Nežiūrint to bankiniuose atsiskaitymuose šios kortelės nėra plačiai taikomos. 3. Pagal eminentus a)bankines(universalios) kortelės, kurias leidžia bankai ir finansinės kompanijos; b)kortelės, kurias išleidžia komercinės kompanijos atsiskaitymams šios kompanijos tinkle; 4. Pagal aptarnaujamų klientų kategoriją: a)paprasta kortelė; b)sidabrinė kortelė; c)auksinė kortelė; d)elektroninė kortelė. Paprasta kortelė yra skirta eiliniam klientui. Tai “Classic Visa” ir “Mass (Standard) Eurocard / Master Card”. Sidabrinė kortelė, dar vadinama “Busisness Card” skirta organizacijų, kompanijų darbuotojams, kurie yra įgalioti tam tikrose ribose naudotis savo kompanijos lėšomis. Auksinė kortelė skirta garbingiems ir labai turtingiems klientams. Be viso to “Visa” ir “Europay” turi korteles, kurios skirtos tik bankomatams, gauti grynus pinigus specialiuose elektroniniuose terminaluose “Electron Visa”, “Cirrus / Maestro”. 5. Pagal mokėjimo schemą: a)kreditinės, b)atsiskaitomosios, c)debitinės. Kreditinė schema numato nulinį išeitinį likutį kredito sąskaitoje. Visos operacijos užrašomos kreditan, o kortelės savininkas privalo atsiskaityti pagal aptartas sąlygas. Pateikiama pavyzdinė vakaruose priimta schema. Pirmų 25 kalendorinių dienų laikotarpyje, nuo kredito sumos bankai neskaičiuoja procentų, bet kortelės savininkas turi sumokėti 10 procentų skolos. Praėjus šiam laikotarpiui nuo likusios neapmokėtos skolos dalies bankai kiekvieną dieną skaičiuoja 20 procentų metinių palūkanų. Apmokant prekių ir paslaugų kainą, kortelės sąvininkas komisinių nemoka. Išimant grynus pinigus klientas moka 2 procentus nuo išgrynintos sumos. Už pačią kortelę klientas moka 25 dolerių metinį mokestį. Paprastai kredito dydis yra limituojamas atsižvelgiant į kliento turtingumą, jo kasmėnesinių pajamų dydį. JAV “Visa” ir”Master Card” dirba pagal kreditinę schemą ir procentai gaunami už kreditavimą sudaro didžiausią pajamų dalį. Kaip rašo spec. leidiniai nemažai klientų stengiasi atsiskaityti per 25 dienas su banku. Ir pastarasis negauna numatytų pajamų. Tuo būdu mes turime reikalą faktiškai su atsiskaitomąja schema, kuri numato atsiskaityti per mėnesį visą išleistą pinigų sumą per numatytą laikotarpį. Todėl “American Express” korteles, kurios turi vieną emitentą, daug kas vadina atsiskaitomosiomis. Principiniai nuo kreditinių skiriasi debitinės kortelės. Atsiskaitant pagal debitines kortele nurodyta suma tą pačią dieną nurašoma (debetuojama) nuo kliento banko sąskaitos. Jeigu suma viršija kliento saskaitos likutį tai atsiskaitymo operacija blokuojama. Debitinėm kortelėm reikalinga autorizacija atliekant kiekvieną operaciją. Paprastai siekiant apsaugoti kliento kortelę nuo vagystės pametimo atveju, klientas gauna PIN kodą, kurį žino jis vienas. Tam pačiam tikslui skirtas ir susitarimas tarp kliento ir banko, kuris limituoja panaudojamų pinigų sumą per dieną.
Ekonomika  Konspektai   (15,01 kB)
Travelling
2009-12-22
To start with I think you agree with me that a big part of our most joyful and impressive moments are from holidays. Then our mood is in high spirit, we have lots of time to do everything we want. In addition, it is the way to relax and escape from your daily problems. A long days of holidays encourage us to start on a journey. Maybe you always have wanted to see acropolis in Greece or to dive into Mediterranean in Egypt? Holiday is the best time to do this. However, so many men so many minds. Different people prefer different ways to spend their holidays. Somebody prefers flights to journeys by bus, because you can see clouds, ocean or earth below you without any hindrance, furthermore it is a good way quickly to reach the place. Besides the plane other choose a traditional type of traveling by car. When the wind scatters your hair and you could feel like hero from “The Road” by Jack Keruack . As far as I can see young people give preference to hitch-hiking. Firstly, it takes them unusual experience, because such type of traveling is always full of unexpected situations. And secondly, it`s the cheapest way to travel. However, in my opinion it`s quite dangerous, especially for girls. This is the reason why I have never try such traveling. In spite of this I like traveling. It gives an opportunity to communicate with different types of people, to know yourself better and to know your friends inside out, because travel is a good way to unfold the true face of person. And the main reason why people every year over and over visit other countries is that travel gives an opportunity to know more about unique that country`s traditions and cultural identity. Furthermore it helps to expand our horizon. In conclusion, I would like to say that it is up to every person’s taste which type of travelling to choose.
Anglų kalba  Rašiniai   (4,04 kB)
The Son of the Wolf
2009-12-22
'I never saw a dog with a highfalutin' name that ever was worth a rap,' he said, as he concluded his task and shoved her aside. 'They just fade away and die under the responsibility. Did ye ever see one go wrong with a sensible name like Cassiar, Siwash, or Husky? No, sir! Take a look at Shookum here, he's Snap! The lean brute flashed up, the white teeth just missing Mason's throat. 'Ye will, will ye?' A shrewd clout behind the ear with the butt of the dog whip stretched the animal in the snow, quivering softly, a yellow slaver dripping from its fangs. 'As I was saying, just look at Shookum here- he's got the spirit. Bet ye he eats Carmen before the week's out.' 'I'll bank another proposition against that,' replied Malemute Kid, reversing the frozen bread placed before the fire to thaw. 'We'll eat Shookum before the trip is over. What d'ye say, Ruth?' The Indian woman settled the coffee with a piece of ice, glanced from Malemute Kid to her husband, then at the dogs, but vouchsafed no reply. It was such a palpable truism that none was necessary. Two hundred miles of unbroken trail in prospect, with a scant six days' grub for themselves and none for the dogs, could admit no other alternative. The two men and the woman grouped about the fire and began their meager meal. The dogs lay in their harnesses for it was a midday halt, and watched each mouthful enviously. 'No more lunches after today,' said Malemute Kid. 'And we've got to keep a close eye on the dogs- they're getting vicious. They'd just as soon pull a fellow down as not, if they get a chance.' 'And I was president of an Epworth once, and taught in the Sunday school.' Having irrelevantly delivered himself of this, Mason fell into a dreamy contemplation of his steaming moccasins, but was aroused by Ruth filling his cup. 'Thank God, we've got slathers of tea! I've seen it growing, down in Tennessee. What wouldn't I give for a hot corn pone just now! Never mind, Ruth; you won't starve much longer, nor wear moccasins either.' The woman threw off her gloom at this, and in her eyes welled up a great love for her white lord- the first white man she had ever seen- the first man whom she had known to treat a woman as something better than a mere animal or beast of burden. 'Yes, Ruth,' continued her husband, having recourse to the macaronic jargon in which it was alone possible for them to understand each other; 'wait till we clean up and pull for the Outside. We'll take the White Man's canoe and go to the Salt Water. Yes, bad water, rough water- great mountains dance up and down all the time. And so big, so far, so far away- you travel ten sleep, twenty sleep, forty sleep'- he graphically enumerated the days on his fingers- 'all the time water, bad water. Then you come to great village, plenty people, just the same mosquitoes next summer. Wigwams oh, so high- ten, twenty pines. Hi-yu skookum!'
Social motives
2009-12-22
Hormonal control At puberty – roughly ages 11 to 14 – hormone changes produce the bodily changes that serve to distinguish males from females. The general idea is that endocrine glands manufacture hormones (chemical messengers), which travel through the bloodstream to target organs. The basic scheme is simple: by way of hormones, the hypothalamus directs the pituitary, which in turn directs the gonads – the ovaries and the testes. The hormones produced by the gonads – estrogen, progesterone, and androgen – are called sex hormones. These hormones are responsible for the body changes at puberty. In girls, estrogen causes the development of breasts, the changes in the distribution of body fat that results in a more feminine form, and the maturation of the female genitals. In boys, testosterone (a kind of androgen) is responsible for the sudden growth of facial, underarm, and pubic hair; it also causes a deepening of the voice, the development of muscles that lead to a more masculine form, and the growth of the external genitals. In other species, sexual arousal is closely tied to variations in hormonal levels; in humans, however, hormones play less of a role. Neural Control In humans, some of the neural mechanisms involved are at the level of spinal cord. But the organ most responsible for the regulation of sexual arousal and behavior is the brain. Early Experiences Experience has little influence on the mating behavior of lower mammals – inexperienced rats will copulate as efficiently as experienced ones – but it is a major determinant of the sexual behavior of higher mammals. Monkeys raised in partial isolation (in separate wire cages, where they can see other monkeys but cannot have contact with them) are usually unable to copulate at maturity. These monkeys have social or affectional problems: even in nonsexual situations, they are unable to relate to other monkeys. Apparently, normal heterosexual behavior in primates depends also on an affectional bond between two members of the opposite sex. Clinical observations of human infants suggest certain parallels. They develop their first feelings of trust and affection through a loving relationship with the mother. This basic trust is a prerequisite for satisfactory interactions with peers. And affectionate relationship with other youngsters of both sexes lay the groundwork for the intimacy required for the intimacy for sexual relationships among adults. Cultural Influences Unlike that of other primates, human sexual behavior is strongly determined by culture. Every society places some restrictions on sexual behavior. Incest (sexual relations within the family), for example, is prohibited by almost all cultures. Sexual activity among children, homosexuality, masturbation, premarital sex – are permitted in varying degrees by different societies. Although western society is becoming increasingly permissive about premarital sex, men and women still differ in their attitudes toward sex (the majority of women need emotional involvement). Homosexuality Someone is considered homosexual if they are sexually attracted primarily to members of the same sex. Sexual interactions with members of the same sex are not uncommon during childhood, but only a small percentage of people become exclusively homosexual as adults. Extensive interviews with homosexuals suggest that they do not differ from heterosexuals with regard to their identifications with parents of the opposite sex, or with regard to the nature of their first sexual encounter. For exclusive homosexuals, there may be a biological predisposition (hypothesis that homosexuals and heterosexuals may differ with respect to the hormones they were exposed to while still in the womb). EARLY SEXUAL DEVELOPMENT One needs to develop an appropriate gender identity - males need to think of themselves as males, and females as females. This development is quite complex and begins in the womb. Prenatal hormones For the first couple of months after conception, both sexes are identical in appearance. Between 2 and 3 months, a primitive gonad develops into testes (if XY) or into ovaries (if XX). They start producing sex hormones, which then control the development of internal reproduction structures and the external genitals. The critical hormone in genital development is androgen. If enough androgen is produced, the newborn will have male genitals; if there is insufficient androgen, the newborn will have female genitals, even if it is genetically male. After the genitals, androgen begins to masculinize the brain. Hormones versus Environment In cases in which hormonal imbalances result in hermaphrodites (individuals born with both male and female tissue), the assigned label and the sex role in which the individual is raised seem to have greater influence on gender identity than do the individual’s genes and hormones.
Profession
2009-12-22
Everyone needs at least one profession in his life. So when you begin spending sleepless nights, thinking about a job and money, when you think of the plans for the future it's no doubt about it you're ready to choose most suitable career for you. So in the world there are a lot of different professions: you can work with people as a doctor, lawyer, receptionist, teacher; on the enterprise, bank, school or state institution. And what kind of a profession you choose is mainly depend on yourself. And I think it's very difficult task for everybody. And now there is such situation in the life that it is very difficult to find some worthy job especially suitable for you. So if you want some-how to get a job, you can make plans for the future when you study still at school or university. It's a good idea to take different factors into account: job satisfaction - your future job must satisfy you; money - it's important that your future profession must be well-paid or you must have a high salary to support the family, good conditions; training; traveling, the place of work -in the office, from home, in the open area or abroad. For example I'm still not sure about my workplace and conditions because I know the fact that my future career will be my central part of my future life. Everybody wants to breathe fresh air, and even I want to locate myself in a clean place. I don't want to work in a city because there are so many problems like heavy traffic and population. If I have a chance to choose a place where I prefer, I would choose a quiet and peaceful place near the Baltic sea. I think the "working condition" should fit and care about my lifestyle. I have seen several people who get stresses from their jobs. If I always have bad moods and get so much stresses from my work, I would rather be unemployed than be a worker. I would like to make enough money to provide myself and my family. Sometimes, I have felt I'm greediness because I want to have so many things such as a big house, a nice car, and many others. So nowadays more and more students are trying to find a part-time job. There are a lot of reasons for it, but the common one – lack of money. It maybe a bad economical situation of a whole family or teenagers just need money for their entertainments. Starting a part-time job, not every young person thinks about pros or cons of this decision. On the positive side, extra incomes improve economical situation of the family. If students earn money for their needs, they also help parents – don`t ask them for additional pocket money. What is more, young people become more independent among their friends. On the other hand, part-time job can become harmful for studies at school on in another educational institution. Students can skip courses, motivating that their job and money they earn are much more significant, then studies. To sum up, it`s obvious that working and studying at the same time is a very complicated task. In my opinion, not everybody can manage to do all things perfectly depend only on person`s qualities. So nowadays more and more people are very busy with work and other activity. Never before in the history of the world have businessmen traveled so much as they do today. It is not surprising because we are living in a world of growing international trade and expanding economic and technical cooperation. Fascinating though it is for tourist travelling, however, has become the most tiring of all the occupations for many businessmen and experts. Nowadays people who go on business mostly travel by air as it is the fastest means of travelling.
Anglų kalba  Rašiniai   (6,13 kB)
1. a choice of sth 2. a combination of sth 3. alien to sb 4. a limit on/to sth 5. all in all 6. at midnight 7. at noon 8. at regular times 9. at the right moment 10. from one place to another 11. in action 12. in any weather 13. in a sense 14. in danger of sth 15. in detail 16. in disbelief 17. in September 18. in the streets 19. it‘s typical of sb 20. mile after mile 21. on average 22. on/by request 23. on my own 24. on 25th April [on the 25th of April] 25. the loss of sb/sth 26. to arrive at the office 27. to arrive in a city 28. to ask about sth (enquire) 29. to ask for sth (request) 30. to be an example of sth 31. to be associated with sb/sth 32. to be at risk 33. to be attractive to sb 34. to be aware of sth 35. to be behind bars 36. to be bored with/by sb/sth 37. to be confined to a place 38. to be dependent on sth/sb 39. to be far away sth from sth 40. to be fed up with sb/sth 41. to be high in calories 42. to be ideal for sb/sth 43. to be important to sb/sth 44. to be in search of sth 45. to be in taxi 46. to lacking in sth 47. to be married to sb (but: to marry sb) 48. to be on a bike 49. to be on a plane 50. to be on display 51. to be on the train 52. to be pleased with/by sb/sth 53. to be popular with sb 54. to be proud of sb/sth 55. to be responsible for sth/sb 56. to be restricted to an area 57. to be serious about sth 58. to be suitable for sb/sth 59. to be terrified of sth 60. to be the key to sth 61. to be threatened with extinction 62. to be transformed into/by sth 63. to be unsure of/about sth 64. to be well-known for sth 65. to be worried about sb/sth 66. to blame sb for sth 67. to blame sth on sb/sth 68. to boast about/of sth 69. to care about sb/sth 70. to care for sb/sth (to like/look after) 71. to cater for sth/sb 72. to cling to sb 73. to combine sth with sth else 74. to compete with sb 75. to complain about sb/sth 76. to concentrate on sth 77. to deal with sb/sth 78. to decide on sth 79. to depend on sb/sth 80. to discuss sth with sb 81. to dream about sth 82. to dream of sth (imagine) 83. to fall in love with sb 84. to feed sb with sth 85. to fight for sth 86. to get rid of sth 87. to go on a trip 88. to go on foot 89. to graduate from sth 90. to have a variety of sth 91. to head for somewhere 92. to hear about sb/sth (to be told about sb) 93. to hear from sb (have news) 94. to invest in sth 95. to laugh at sb/sth 96. to lead to sth 97. to live with sb 98. to miss out on sth 99. to occur to sb 100. to participate in sth 101. to pay for sth 102. to prefer sb/sth to sb/sth else 103. to plevent sb from doing sth 104. to plunge into sth 105. to protect sb from sb else/sth 106. to provide for sth 107. to put the blame on sb/sth 108. to rely on sth/sb 109. to remind sb of sth 110. to result in sth 111. to search for sth 112. to share sth with sb 113. to socialise with people 114. to succeed with/in sth 115. to suffer from sth 116. to take a photo of sb/sth 117. to test sb on sth 118. to think of/about sb/sth 119. to travel by plane 120. to travel by taxi 121. to wander through 122. to warn sb about sb 123. without any difficulty
Prepositions
2009-12-22
1. a choice of sth 2. a combination of sth 3. alien to sb 4. a limit on/to sth 5. all in all 6. at midnight 7. at noon 8. at regular times 9. at the right moment 10. from one place to another 11. in action 12. in any weather 13. in a sense 14. in danger of sth 15. in detail 16. in disbelief 17. in September 18. in the streets 19. it‘s typical of sb 20. mile after mile 21. on average 22. on/by request 23. on my own 24. on 25th April [on the 25th of April] 25. the loss of sb/sth 26. to arrive at the office 27. to arrive in a city 28. to ask about sth (enquire) 29. to ask for sth (request) 30. to be an example of sth 31. to be associated with sb/sth 32. to be at risk 33. to be attractive to sb 34. to be aware of sth 35. to be behind bars 36. to be bored with/by sb/sth 37. to be confined to a place 38. to be dependent on sth/sb 39. to be far away sth from sth 40. to be fed up with sb/sth 41. to be high in calories 42. to be ideal for sb/sth 43. to be important to sb/sth 44. to be in search of sth 45. to be in taxi 46. to lacking in sth 47. to be married to sb (but: to marry sb) 48. to be on a bike 49. to be on a plane 50. to be on display 51. to be on the train 52. to be pleased with/by sb/sth 53. to be popular with sb 54. to be proud of sb/sth 55. to be responsible for sth/sb 56. to be restricted to an area 57. to be serious about sth 58. to be suitable for sb/sth 59. to be terrified of sth 60. to be the key to sth 61. to be threatened with extinction 62. to be transformed into/by sth 63. to be unsure of/about sth 64. to be well-known for sth 65. to be worried about sb/sth 66. to blame sb for sth 67. to blame sth on sb/sth 68. to boast about/of sth 69. to care about sb/sth 70. to care for sb/sth (to like/look after) 71. to cater for sth/sb 72. to cling to sb 73. to combine sth with sth else 74. to compete with sb 75. to complain about sb/sth 76. to concentrate on sth 77. to deal with sb/sth 78. to decide on sth 79. to depend on sb/sth 80. to discuss sth with sb 81. to dream about sth 82. to dream of sth (imagine) 83. to fall in love with sb 84. to feed sb with sth 85. to fight for sth 86. to get rid of sth 87. to go on a trip 88. to go on foot 89. to graduate from sth 90. to have a variety of sth 91. to head for somewhere 92. to hear about sb/sth (to be told about sb) 93. to hear from sb (have news) 94. to invest in sth 95. to laugh at sb/sth 96. to lead to sth 97. to live with sb 98. to miss out on sth 99. to occur to sb 100. to participate in sth 101. to pay for sth 102. to prefer sb/sth to sb/sth else 103. to plevent sb from doing sth 104. to plunge into sth 105. to protect sb from sb else/sth 106. to provide for sth 107. to put the blame on sb/sth 108. to rely on sth/sb 109. to remind sb of sth 110. to result in sth 111. to search for sth 112. to share sth with sb 113. to socialise with people 114. to succeed with/in sth 115. to suffer from sth 116. to take a photo of sb/sth 117. to test sb on sth 118. to think of/about sb/sth 119. to travel by plane 120. to travel by taxi 121. to wander through 122. to warn sb about sb 123. without any difficulty
Anglų kalba  Konspektai   (8,35 kB)
One of my favourite thing is poetry which helps me to understand the outside world, brings to my mind the strength of the human spirit, the beauty of man. Poetry helps me to educate myself. When I have some spare time I create poems too. I’m going to publish my creative work in the future. But I know I must work very hard if I want to charm my readers. I wont to appeal to people’s hearts & minds of people, to their feeling & ideals. I’m also interested in architecture so I like to visit the places where I can see how people lived in the past, old buildings, castles. I like Gediminas castle, which foundation is guarded by the “Iron wolf” legend, in Vilnius. The vaults Of Vilnius cathedral attract me too. The castle of Grand Duke Kęstutis in Trakai admires me very much. If you want to visit the places of interest you have to travel. And I like travelling with my family during our holidays & on weekends. We visit a lot of places in the countryside by our bikes. I think biking is even better than riding in a car because you can follow narrow trails in the fields & in the woods where there are no roads. I like ride a bike because I can hear birds sing, listen to the sounds of nature & enjoy the fresh air then. I’m interested in photography too. I always take my camera with me when I’m on holiday. I keep a photograph record of family events. I like to correspond. I have a lot of pen-friends in all over the world. I have a pen-friend in Greece & I have been corresponding for 3 years. I like listen to the radio. My favourite radio station is “Radio centras” . In my opinion this station is for people of all ages, interests & tastes. I like listening comments & discussions on current affairs, interviews with various people. I like different kind of music. The programs of “Radio centras” are followed by music, & that’s why it interests me. TV is very popular in my life. I like to watch TV in the evenings. Entertainment programs are my favourite. I like : “Šou bulvaras”, “Dviračio Šou”, “Taip & Ne”. Very often I watch films too. I don’t go to the cinema because today we can see a lot of interesting films at home. Today cinema attendance fall because many people have video recorders at home. But I like to go to the theatre because it helps me to get back my energy. It’s one of the ways of getting out of depression. In my opinion entertainment makes our life more beautiful.
Speciality The new thing that this store has is minimal inventory. Most probably many have said this before but they all still work under the old idea that all the records have to physically be in the store when the customers want to buy them. By taking the model of Apple's iTunes Store and moving it out of the home and onto the streets we can achieve a much lower inventory than is possible with a traditional musicstore. All the music would be stored on computer drives in full quality and when the customer wants to buy an album he simply requests it from the salesman who burns the album on a cd which the customer then takes with him. With this comes a much higher computer cost but that is more than balanced out by less inventory and less requirements for the store's size plus we get the added bonus of a potentially strong online presence. The stock-reducing feature of this store can be described so that no cd´s will be bought from the publishers except those that have already been sold. It would work similar to when one orders a cd from a traditional music store. The process then is that they put in an order for that particular cd which is then sent to them in the next shipment. Since they already can sell it when it comes to the store no cost of stock needs to be accredited to that particular cd and it will not degrade in value, as it remains unsold in the store. Market In all probability it will be easier to get smaller independent labels to accept this new arrangement since they are often less concerned about piracy and illegal distribution of their music. When Apple introduced its online record store with the possibility of burning song to cd it may have broken the ice for big publishers who may see this opportunity for what it really is, a big chance for them to regain some control over music distribution. According to the financial calculations presented in Appendix C we need to sell 22 cd's per day 30 days a month to get just above the break even point. That should be a reachable goal as we see with the following logic. For a store in central Reykjavik we can assume that the market size is 1800 customers. That is 10% of the population between 15 and 30. So in order to reach the breakeven point every customer needs to buy 4.4 cd’s per year, a goal that is easily within reach considering usual spending habits of young people in Iceland. A threat to this is of course the Internet and illegal downloads of music. Market size is furthermore considered under three circumstances, low, medium and high with the sales numbers 10, 40 and 100 respectively. The probability for each demand is 0.6, 0.3 and 0.1. A great factor in why low market size is thought to be most probable is the Internet and the still growing popularity of illegal downloads. Setup For a breakdown and projection of Setup cost see Appendix A. The setup for such a store is more like what one would expect from an ISP rather than a record store because servers and large data storage facilities will be prominent factors of the startup cost. Another aspect is the cost expected to be needed to ensure proper license agreements with publishers. That amount is expected to be needed for travel expenses and other costs excluding legal expenses that will arise from negotiating with the publishers about this new form of sales. Legal expenses are marked as a special cost category because of the difference in tax issues between these two factors in Iceland. Special programs will be needed in the modern store while traditional stock and bookkeeping software can be used in the traditional store. Among this special software is cd burning software, server maintenance and control as well as possible software to report sales of cd´s to the publishers but that will depend on the deals made with them, i.e. if they want secure data directly from the computer system without human interaction or if they simply want a report based on honesty for their billing purposes. In the financial calculation it has been assumed that just about all startup expenses will be covered by loans and that those loans will be fully repaid in three years. This is done to provide a horizon for the comparison. Operating Cost Operating cost projections are presented in Appendix B Operating cost for the two stores is calculated without considering inflation because it is not customary to consider inflation in such calculations. It is assumed that any change in costs will be carried directly into the prices and therefor effectively negating all consequences. The expected sale used in Replenishment of stock is 10% of the stock. This is below the breakeven point but since the breakeven analysis with NPV uses the sales as a variable this has no effect on that. The main objective with the operating cost sheet is to get a rough idea of what forms the operating expenses and approximate the amount. Legal expenses and publishing are assumed to be evenly distributed over the period while in fact they would be discrete and uneven amounts. For this preliminary analysis the even distribution is accurate enough. Payments of loans are expected to be every three months and the interest rate is 6% per year. The payments are assumed to be equal payments. Break Even Analysis When NPV is calculated it is assumed that the business is worthless at the end of three years and therefor we get no return at the end of that period. Interest rate is set to approximately 25% per year or exactly 2% per month. This interest rate is our interest demand, that is the interest we expect to be able to get if we invest differently. When establishing the Break Even point NPV analysis is used with the Goal seek option in Excel. The NPV is set to 0 and Goal seek adjusts the sales to find the corresponding amount. This is different from finding the breakeven for individual months or the sum of the period in general because this takes into account the possible earning of the money if it was invested differently. The Break Even analysis is presented in Appendix C. Results After examining the numbers we see that the modern store has a definite advantage over the traditional approach. By arranging the decision matrix and using the Maximax or MiniMax methods to determine the best possibility we get the same results, the modern store has better potential than the traditional one with regards to the NPV calculations. Furthermore if we use Expected Return, that is multiply the probabilities and return and then taking the maximum of that we get the same result. In the market section we saw a logical induction for the market share reaching and probably overtaking the breakeven point of 22cd's for modern store. The breakeven for a traditional is 59cd's and that amount we can not expect without a high demand which is considered improbable. Recommendations It is necessary before making any commitments regarding the store to first look for further information about the Apple deal. That information might be found on Internet rumor pages or magazines and newspapers covering the iTunes store. What we need to find out is any conditions that publishers put forth and the problems encountered on the way as well as how much Apple needs to pay the publishers for every song they sell, that should establish a baseline for the prices because it is unlikely that a small store like this would get a better deal than an industry giant with a phenomenal track record. A market analysis needs to be conducted. It can be as simple as sitting outside a competing record store and counting the number of people coming out of it with a bag in their hand or it can be a full third party analysis of the market. But making some kind of market research is important for further establishing the estimates of market size. With respect to the expected market size it is needed to determine the amount of cd writing equipment is needed. This is a variable with no counterpart in the traditional store but the potential of being quite expensive depending on the expectations of the stores client with regard to speed of service. It is necessary to examine many possible solutions ranging from cheap personal cd writers to more advanced professional equipment. Another such issue is the servers that store the music. They need to be able to store large amounts of data and need to serve all the data to the cd writers when it is requested. That should actually not be a big problem since modern servers have a very high bandwidth. Another issue that needs to be considered is the financial aspect. It is not very wise to finance the preparation expenses with loans, one should rather try to get venture capital or finance it in other ways. A loan can be a big burden to bear if it turns out that publishers are not willing to allow this form of store but the venture capital would simply be lost without much consequence. With venture capital the control of the store is in lost to some extent but that could be more feasible than to be stuck with payments of a loan that generated zero income.
Anglų kalba  Referatai   (46,53 kB)
About languages (apie kalbas) My native language is Lithuania. So he must know its history, grammar, literature spelling. When I was on the fourth form I began to learn the English language. From the very first days I understood that it is very difficult to learn. English, as it has different pronunciation and spelling. If you want to learn new words, grammar, how to form the sentence. It is necessary to know the history, culture, traditions of the country which language, you study. It is very difficult to learn any foreign language when you do not hear it in the street at house. The film which we see on TV are translated into native language and we can’t hear the English language. The English language is very popular in the world and what country you visit you can communicate in England. The role of the foreign languageshas inereased in the last years, as Lithuanian keeps good relations with other European countries and is going to biome a member of European Union and NATO. So every young person must think about his future and the use of the foreign language. The European Union(apie europos sąjungą) The European Union is the European supranational organization dedicated to increasing economic integration and strengthening co-operation among its member states. The European Union was established on November one, nineteen ninety three. The treaty on European Union was ratified by the twelve members of the European community. They were Belgium, Denmark, France, Germany, Great Britain, Greece, Ireland, Italy, Luxemburg, the Netherlands, Portugal and Spain. The citizen of the European Union countries received the right to immigrate From owe country to another and they got a greater freedom to live, work or study in any of the member states and there were no borders to travel from are European Union State to another. The main body of the European Union is the European Parliament, which is elected by the citizens of the European Union States. The main body works in Strasburg, but most work of its committee is done in Brussels. Finland, Austria and Sweden joined the European Union in nineteen ninety five. In this year May first day Lithuania, Estonia and Latvia will become the members of the European Union. There are seven other countries which will become the members of the European union. They are: Poland, Cheek, Cyprus, Malta, Hungary, Slovakia, and Slovenia. About myself(apie save) My name is Justina and surname is Šaučiūnaitė. I live in Anykščiai in Stoties street No eleven. I was born on the fiveof march nineteen eighty six in Anykščiai. I am eighteen, I am the citizen of Lithuania. I am a schoolgirl and I learn in the twelve form of Antanas Baranauskas secandary school. So I am a school-leaver.I live with my family: father, mather, I have one sister and one brother. All my Familymembers are cathalics.We the memders of our family are very friendly. We celebrate all Lithuanian holidays together. My favourite group is B‘avarija. My favourite singer is Andrius Mamontovas and also every yang person has a favourite pop graup.
Anglų kalba  Rašiniai   (17,09 kB)
Parduos tave kaip lėlę-tai frazė, kuri visom merginom kelia šiurpą, o kai kurioms ir pačius skaudžiausius jausmus, išgyvenimus, neviltį. Ši frazė primena mums, kad kažkur pasaulyje yra tūkstančiai verkiančių sielų, sugadintų protų, išnaudotų kūnų. Taip, kalbėsiu apie vieną iš skaudžiausių šių dienų temų-merginų pardavinėjimą bei jo priežastis.
Lietuvių kalba  Rašiniai   (2 psl., 6,55 kB)
UAB „West Express“ – tai turizmo agentūra, kuri užima lyderio pozicijas Lietuvos turizmo verslo rinkoje. Tai kompanija, kurioje dirba lanksti, nuolat tobulėjanti bei nebijanti iššūkių komanda, pasižyminti savo profesionalumu, aptarnavimo kokybe bei noru būti geriausiais. Įmonė vertina savo darbuotojų žinias, sugebėjimus bei savybes, padedančias žengti į priekį bei plėtoti ilgalaikius santykius su verslo partneriais ir klientais.
Rinkodara  Kursiniai darbai   (13 psl., 47,93 kB)
Praktikos analizė
2009-11-09
Įmonės charakteristika. Įmonės verslo sritis. Įmonės tikslai. Prekės ir paslaugos. Palyginimas su konkurentais. Rinka. Konkurencija Lietuvos Turizmo rinkoje. Marketingas. Reklama. Kainų politika ir kainos. Įmonės valdymas. Darbuotojų kvalifikacija ir išsilavinimas. Finansai. Vadybininkų veikla. Kontrolės mastas.
Vadyba  Analizės   (15 psl., 25,68 kB)
Prepositions
2009-10-22
Prielinksniai.
Anglų kalba  Paruoštukės   (1 psl., 8,34 kB)
My dream house
2009-10-17
To start with as I know many people usually dream about the castle on the bank of the sea with many huge rooms and bathrooms. But I don’t. My dream house is quite different.
Anglų kalba  Namų darbai   (1 psl., 2,81 kB)
15 anglų kalbos tekstų kalbėjimui.
Anglų kalba  Namų darbai   (5 psl., 15,04 kB)
Located between the continents of North America, South America, Asia, Antarctica and Australia the Pacific Ocean is the largest of the world's four oceans. It covers approximately one-third of the surface of the earth, more surface area than all the continents combined. It is commonly divided at the Equator into the North Pacific and the South Pacific.
Geografija  Pagalbinė medžiaga   (1 psl., 32,34 kB)
The Indian Ocean is the third largest ocean. It is surrounded by southern Asia, the Arabian Peninsula, Africa, the Malay Peninsula, the Sunda Islands, Australia and Antartica. The 20° E meridian divides it from the Atlantic and the 147° E meridian divides it from the Pacific below Australia.
Geografija  Pagalbinė medžiaga   (1 psl., 18,05 kB)
Acid rain" is a general name for many phenomena including acid fog, acid sleet, and acid snow. Although we associate the acid threat with rainy days, acid deposition occurs all the time, even on sunny days. Something is acidic if it has a low pH. The pH of a liquid is measured on a scale which ranges from 0 to 14 with 7.0 being neutral. Anything with a pH value lower than 7.0 is acidic, and anything higher than 7.0 is basic.
Geografija  Pagalbinė medžiaga   (3 psl., 6,71 kB)
Pasirinktos įmonės marketingo komplekso įvertinimas . Įmonės statuso apibudinimas, jos teikiamos paslaugos,asortimentas. Vartotojas (tikslinė rinka) ir vartotojų elgsena,veiksniai turintys įtakos įmonės vartotojo pirkimams sprendimai. Kainų politika. Paskirstymo politika. Rėmimo politika. Išvados ir pasiūlymai. Marketingo padalinys įmonėje. Marketingo padalinio vieta ir reikšmė įmonės organizacinėje valdymo struktūroje . Marketingo padalinio darbuotojų funkcijos. Marketingo padalinio veikla įmonėje. Rinkos tyrimas ir įvertinimas. Verslo aplinkos įvertinimas. Konkurentų analizė.
Rinkodara  Tyrimai   (40 psl., 56,14 kB)
Any examination of the history of the EV inevitably asks the question: "Why were they overtaken in popularity by gasoline -powered vehicles?" Let me take a few paragraphs to give you my opinion as to why electric vehicles have lost the war of numbers to their petrol - powered cousins and get this question out of the way. There is no one simple answer, but many facts contributed to the rise of the internal combustion engine and decline of the electric motor for the primacy of driving on road transportation.
Anglų kalba  Rašiniai   (6 psl., 23 kB)
Gramatikos taisyklės: Types of Questions, Writing a Letter, Modal Verbs, Writing a Paragraph, the English Tenses in the Active Voice, the English Tenses in the Passive Voice, a Letter of Complaint, the Usage of the Article in English, the Adjective, the Noun, Linking Words/Phrases, Conditional Sentences, Wishes, the Gerund.
Anglų kalba  Pagalbinė medžiaga   (19 psl., 32,46 kB)
Travelling
2009-07-16
Anglų kalbos kalbėjimo tema.
Anglų kalba  Pagalbinė medžiaga   (1 psl., 3,59 kB)
"[W]e find that testing students who participate in extracurricular activities is a reasonably effective means of addressing the School District’s legitimate concerns in preventing, deterring, and detecting drug use." Justice Clarence Thomas U.S. Supreme Court JUNE 27, 2002 Board of Education of Independent School District No. 92 of Pottawatomie County v. Earls Foreword In June 2002, the U.S. Supreme Court broadened the authority of public schools to test students for illegal drugs.
Anglų kalba  Referatai   (5,03 kB)
Present Unreal Conditional If I have time, I study English. (Sometimes I have time.) If I had time, I would study English. (I don't have time.) Past Real Conditional Past Unreal Conditional If I had time, I studied English. (Somtimes I had time.) If I had had time, I would have studied English. (I didn't have time.) Future Real Conditional Future Unreal Conditional If I have time, I will study English. If I have time, I am going to study English. (I don't know if I will have time or not.
Anglų kalba  Konspektai   (3 kB)
Nightclub is a business that is open at least twice a week and provides some type of regularly scheduled entertainment. It usually has an area for dancing if it is a dance club or a stage where patrons may observe entertainment such as live bands, comedy, magic, exotic dancers, etc. Most clubs serve alcoholic beverages and may or may not have dining. Night clubs have become the new fad in town!
Anglų kalba  Namų darbai   (4,84 kB)
Foreign languages
2009-07-09
Nowadays it is truly important to learn languages. To begin with, knowing foreign languages broadens one‘s outlook and develops mentality. The more languages we know the more intelligent we are. Moreover, knowing foreign languages gives us an oppurtunity to socialize and correspond with people from other countries. For intance, we can travel abroad and communicate with other people easily which gives us great satisfaction. It also helps to understand traditions and customs of the country better.
Anglų kalba  Rašiniai   (0,91 kB)
Dejavu
2009-07-09
The term déją vu is French and means, literally, "already seen." Those who have experienced the feeling describe it as an overwhelming sense of familiarity with something that shouldn't be familiar at all. Say, for example, you are traveling to England for the first time. You are touring a cathedral, and suddenly it seems as if you have been in that very spot before. Or maybe you are having dinner with a group of friends, discussing some current political topic, and you have the feeling that you've already experienced this very thing -- same friends, same dinner, same topic.
Anglų kalba  Konspektai   (4,71 kB)
Did you know that the can opener was invented 48 years after cans were introduced? Cans were opened with a hammer and chisel before the advent of can openers. A Londoner, Peter Durand, invented the tin canister, or can, in 1810 for preserving food. There were no can openers yet, and the products labels would read: "cut around on the top near to outer edge with a chisel and hammer." The first can opener was invented in 1858 by American Ezra Warned. The well-known wheel-style opener was invented in 1925. Beer in a can was launched in 1935.
Anglų kalba  Konspektai   (6,59 kB)
Signs of the Zodiac
2009-07-09
Aries (March 21-April 19) Element: Fire Modality: Cardinal Ruling Planet: Mars, Pluto Part of Body: Head, skull sinuses, jaws. Herbs: Pepper, garlic, hemp, poppy, holly, thistle, onion, fern, mustard. Stones: Bloodstone, ocher, diamond, ruby. Keywords: Self, ego, imitative, action, courageous, pioneering, adventurous, freedom-loving, independent. Business Types: Exploration, design, engineering, athletics. Aries starts off the Zodiac, and it is self-motivation that is the hallmark of this sign.
Anglų kalba  Konspektai   (5,35 kB)
Volcanism
2009-07-09
The World Organization of Volcano Observatories was established as the result of a meeting of representatives from world-wide volcano observatories, held in Guadeloupe in 1981. WOVO became International Association of Volcanology and Chemistry of the Earth's Interior Commission in the following year.
Anglų kalba  Konspektai   (4,7 kB)
Planets
2009-07-09
For over fifty years, a number of nations have been involved in the exploration of outer space. This research is very costly. Has this money been well-spent or wasted? Some people believe that most space research should be eliminated because of its expense. These people point out the fact that it costs billions of dollars to send astronauts to the moon, but all they bring are some worthless rocks. These people say that the money wasted in outer space could be spent on more important projects on earth, such as providing housing for homeless people, improving the education system, saving the environment, finding cures for diseases.
Anglų kalba  Konspektai   (4,82 kB)
London
2009-07-09
The capital of the United Kingdom can be divided into three distinct parts. The main commercial area is around The City, where Roman London was founded and where the medieval township grew up, dominated by the massive fortress of the Tower of London. Further west along the Thames lays Westminster, the centre of government and administration. The West End—running west from Covent Garden to Oxford Street—is the main shopping and entertainment area. Surrounding this core are districts such as Kensington, Chelsea, and Marylebone, that joined London in the 18th century, but retain a separate identity.
Anglų kalba  Rašiniai   (8,57 kB)
Modal Verbs
2009-07-09
The great German poet Goethe once said, “He, who knows no foreign language, doesn’t know his own once”. Today English language is the language of the world. English is not only the national or official language of some thirty states that represent different cultures, but it is also the major international language of communication in such areas as science, technology, business and mass entertainment. It is also the major language of diplomacy. No doubt that we must know English very well.
Many historians think that Sir Ernest Shackleton was a hero and a great patriot of Great Britain; others think that Shakleton’s delusions and ambitions to make a fortune or to win fame brought 28 men to the South Pole in 1914; whereas the majority most likely has never heard anything about Shakleton. However, Shakleton and his attempt to cross the South Pole on foot can be rationalized in many ways. Shackleton was a patriot.
About languages
2009-07-09
My native language is Lithuania. So he must know its fourth form I began to learn the English language. From history, grammar, literature spelling. When I was on the the very first days I understood that it is very difficult to learn. English, as it has different pronunciation and spelling. If you want to learn new words, grammar, how to form the sentence. It is necessary to know the history, culture, traditions of the country which language, you study.
Public services is a term usually used to mean services provided by government to its citizens, either directly (through the public sector) or by financing private provision of services. The term is associated with a social consensus (usually expressed through democratic elections) that certain services should be available to all, regardless of income. Even where public services are neither publicly provided nor publicly financed, for social and political reasons they are usually subject to regulation going beyond that applying to most economic sectors.
Anglų kalba  Referatai   (8,51 kB)
Paukščiai
2009-07-09
Moose Class: Mammalia: Mammals Diet: Plants Order: Artiodactyla: Even-toed Ungulates Size: body: 2.5 - 3 m (8 1/4 - 9 3/4 ft), tail: 5 - 7.5 cm (2 - 3 in) Family: Cervidae: Deer Conservation Status: Non-threatened. Scientific Name: Alces alces Habitat: coniferous forest, often near lakes and rivers Range: Northern Europe and Asia: Scandinavia to Siberia; Alaska, Canada, Northern U.S.A.; introduced in New Zealand. The largest of the deer, the moose is identified by its size, its broad, overhanging muzzle and the flap of skin, known as the bell, hanging from its throat.
Anglų kalba  Referatai   (5,01 kB)
The major basketball team Statyba was established in 1964 in the Soviet Union. That team managed to win Bronze medals in 1979 at the Soviet Union championship. In 1997 it was renamed Lietuvos Rytas Statyba, then just Lietuvos Rytas as the club was bought by major Lithuanian newspaper Lietuvos Rytas. Investitions made the club to be one of two best clubs of Lithuania, the other being BC Žalgiris from second largest city Kaunas.
Anglų kalba  Referatai   (3,81 kB)
Feast of St.John
2009-07-09
From ancient times people marked the time of the return of the sun, the shortest and longest night. In olden times it was called the Feast of the DEWS, [ a.k.a. RASOS ]. When Christianity was established in Lithuania, the name was changed to Feast of St. John, according to agrarian folk calendar, the start of haying. The rituals of the longest day were closely related to agrarian ideas and notions.
Anglų kalba  Namų darbai   (8,08 kB)
Foreign languages
2009-07-09
First of all I’d like to say that learning foreign languages is especially important in nowadays. Some people learn languages because they need them in their work, others travel abroad. Many people go to different countries as tourists or to work every year. They may not understand that countries language, therefore they have to know English, the language of international communication.
Anglų kalba  Namų darbai   (1,16 kB)
Turizmas
2009-07-09
People on our planet can’t live without travel now. Tourism has become a highly developed business. There are express trains, cars and jet-air liners all of that provide you with comfort and security. What choice to make? It’s up to you to decide. There are great varieties of choices available for you. If you travel for pleasure you would like by all means to enjoy picturesque places you are passing through, you would like seeing the places of interest, enjoying to sight seeing of the cities, towns and countries.
Anglų kalba  Konspektai   (1,63 kB)
Spartų turizmo augimą sąlygoja keletas veiksnių: globalizacija, demografiniai pokyčiai ir transporto raida. Įvairūs tyrimai konstatuoja, kad pagal apsilankiusių turistų skaičių Europa užima pirmaujančias pozicijas. Turizmas svarbus daugelio Europos regionų plėtrai. Pasaulinės turizmo plėtros tyrimai rodo, kad per pastaruosius metus kruizinio turizmo poreikis padidėjo. Tyrimuose minima, kad kruizų skaičius nuolat auga ir matomos jo galimybės dar augti.
Geografija  Kursiniai darbai   (23,56 kB)
Introduce myself
2009-07-09
First of all I would like to introduce myself. I am Andrius Narbutas student A. I am studying in the fourth A class of gymnasium. It means that this year I am the school-leaver. Talking about my personal characteristics I would like to say that I am frank, obstinate, persistent, good-tempered and sometimes moody. In my opinion it is very important to mention that I am studying English for nine years and now you have a chance to grade my English knowledge.
Marketingas – tai ne tik rinkos tyrimo priemonių sistema, bet ir įmonės bei jos tarpininkų gamybinės ir komercinės veiklos valdymo filosofija, strategija ir taktika, nukreipta į atskirų vartotojų ir vartotojų grupių poreikių tenkinimą. Tai poreikių išsiaiškinimo ir jų tenkinimui reikalingų sprendimų priėmimo bei įgyvendinimo procesas, padedantis siekti žmonių ir įmonės tikslų. Kiekvienas verslas yra susijęs su sprendimų priėmimu ir veiklos rezultatų fiksavimu.
Rinkodara  Kursiniai darbai   (17,2 kB)
Anglų kalbos temos
2009-07-09
Personal identification I’m Darius. I was born in 1978 on the 21th of February in Kaunas. I don’t remember anything about the weather that day, but I know that it was about 2:30 p.m. I was the first child in the family. Our family is not very big, I have a brother. When I was a child I can't say, that I was a good boy. My parents always want me to be a good man, and now I'm very thankful for that.
Anglų kalba  Rašiniai   (15,57 kB)
Įvairių dalykų pliusai ir minusai, gali praversti rašiniams, kalbėjimo įskaitai. Access a lot of information, do some jobs very quickly, communicate very quickly, word processors make it easier to write letters and reports, and to do work for school, make learning more exciting, large amount of information can be stored.
Anglų kalba  Rašiniai   (2,31 kB)
We love nature so much as it gives us that change we need: cold winter gives way to charming spring that turns to generous summer and romantic autumn. I like spring. After winter with its nasty drizzle, melting snow, dark gloomy sky spring comes. It gets warmer and warmer every day.
Anglų kalba  Rašiniai   (2,47 kB)
Computers
2009-07-09
Channels of communication What are ‘telecommunications’? This term refers to the transmission of information over long distances using the telephone system, radio, TV satellite or computer links. Examples are two people speaking on the phone, a sales department sending a fax to a client or someone reading the teletext pages on TV But in the modern world, telecommunications mainly means transferring information from one PC to another via modem and phone lines (or fibre-optic cables).
Tourism impacts
2009-07-09
Anglų kursinis. Įvertintas 8, nes trūko vienos dalies, o šiaip gan neblogas. For a tourism-based economy to sustain itself in local communities, the residents must be willing partners in the process. Their attitudes toward tourism and perceptions of its impact on community life must be continually assessed.
Hotels provide the vast majority of the accommodation for those traveling on business, atending conferences and exibitions or perticipating in incentives trips. In the UK hotels and guset hauses between them account for two – thirds of all business tourism accomodation. Only universities ( mainly for conferences ) and friends and family provide any other significant forms of accommodation.
Internet
2009-07-09
The Internet is a worldwide, publicly accessible series of interconnected computer networks that transmit data by packet switching using the standard Internet Protocol (IP). It is a "network of networks" that consists of millions of smaller domestic, academic, business, and government networks, which together carry various information and services, such as electronic mail, online chat, file transfer, and the interlinked web pages and other resources of the World Wide Web (WWW).
Anglų kalba  Kursiniai darbai   (15,94 kB)
Danger of terrorism
2009-07-09
This topic concerns wide aspect of crimes, because definition of terrorism isn’t unanimous concept.
Anglų kalba  Referatai   (8 kB)
Dialogai
2009-07-09
Dialogai, kuriuos tenka kalbėti įskaitos metu, temos iš egzaminų programos.
Anglų kalba  Namų darbai   (3,48 kB)
An industry is a group of businesses or corporations that produce a product or service for the profit. Because of the billions of dollars it generates, travel can certainly be categorized as an industry.
Anglų kalba  Konspektai   (7,78 kB)
Ar kompiuteris reikalingas klasėse...Čia tinka anglų kalbos pokalbiui. 50 years ago people didn't even heard of computers, and today we cannot imagine life without them. Computer technology is the fastest-growing industry in the world. The first computer was the size of a minibus and weighed a ton. Today, its job can be done by a chip the size of a pin head. And the revolution is still going on. Very soon we'll have computers that we'll wear on our wrists or even in our glasses and earrings.
Anglų kalba  Konspektai   (0,97 kB)
The Adventures of Huckleberry Finn, by Mark Twain, is about a young boy, Huck, in search of freedom and adventure.
Anglų kalba  Konspektai   (11,73 kB)
Transport
2009-07-09
Express your opinion on having a car. Is it a dream or a reality? What is the advantages and disadvantages (including environment) of having a car? gali prireikti ruosiantis valstybiniam anglu kalbos egzaminui. Įvertintas 10.
The Advantages of Lithuania’s Integration into the European UnionThe integration into the European Union is one of the most crucial objectives of the Lithuania’s foreign policy. Beginning with 1989-1990, when the decision of the Baltic States to restore independence manifested itself, the largest Western states became interested in Lithuania, Latvia, and Estonia.
Literature genres
2009-07-09
Literatūros žanrai. Haiku is a mode of Japanese poetry, the late 19th century revision by Masaoka Shiki of the older hokku. The traditional haiku consisted of a pattern of 5, 7, 5 on. The Japanese word on, meaning "sound". Haiku usually combine three different lines, with a distinct grammatical break, called kireji, usually placed at the end of either the first five or second seven morae.
Anglų kalba  Konspektai   (6,38 kB)
How telephone works
2009-07-09
Trumpai ir aiškiai anglų kalba apie telefono aparato veikimo principą. The telephone operates on simple principles. A telephone mouthpiece contains a thin metallic coating separated from an electrode by a thin barrier (today we use plastic) which connects to a wire carrying an electric current. When a person speaks into the mouthpiece, the acoustic vibrations from her speech push the metallic coating slightly closer to the electrode, resulting in variations in voltage and therefore a speedy conversion from acoustic to electric energy.
Anglų kalba  Konspektai   (0,82 kB)
31-na anglų tema
2009-07-09
The United States of America. Australia. Great Britan. Russia. Sports in Great Britan. Education. The educational system of Great Britain. British education. Education in Russia. My favorite painter. My future profession. Mass media. Leasure time. The...
Apie turizmo agentūras. The year 2003 was successful for Lithuanian travel agencies. Most of them have increased their sales and the number of tourists. There is a tendency of amalgamation and strengthening of the largest agencies. Travel agencies “Novaturas” and “Omnituras” would be the best examples of this successful cooperation.
Anglų kalba  Analizės   (2,96 kB)
In ancient times, commercial and political campaign displays have been found in the ruins of Pompeii. Egyptians used papyrus to create sales messages and wall posters.
Anglų kalba  Analizės   (20,72 kB)
Great Britain
2009-06-10
London. Wales. Windsor castle. London was not built as a city in the same way as Paris or New York. It began life as a Roman fortification at a place where it was possible to cross the River Thames. A wall was built around the town for defence, but during the long period of peace which followed the Norman Conquest, people built outside the walls. This building continued over the years, especially to the west of the city. In 1665 there was a terrible plague in London, so many people left the city and escaped to the villages in the surrounding countryside. In 1666 the Great Fire of London ended the plague, but it also destroyed much of the city.
Anglų kalba  Referatai   (8 psl., 18,63 kB)
Types of travelling
2009-06-07
Crossing: a journey by boat to the other side of the sea. Cruise: a holidau spent on a large ship wich visits a number of places. Expedition: an organized journey that is made for a particular purpose such as exploration.
Anglų kalba  Pagalbinė medžiaga   (1 psl., 2,55 kB)
Travelling
2009-06-06
I like to spend my holidays when I'm travelling. There are various means of travel. We can travel by train, ship, air-plane, and finally we can travel on foot. For me there is no travel so fine as by aircraft. There are many things that make this travel fascination for me. We can see clouds , ocean or earth below you without any hindrance. I like it very much. On the air voyage you can feel how little you are in the globe or in the ocean. And of course this transport is very fast and useful .
Anglų kalba  Pagalbinė medžiaga   (1 psl., 2,74 kB)
Wales
2009-06-06
Wales is approximately 150miles (242 km.) from north to south. About two - thirds of the total population of 2.8 million people live in the South Wales coastal area, where the three biggest towns are located: Swansea, Cardiff and Newport. The Welsh are very proud of their language and culture. These are best preserved in the north and west of the country, for in the south and east they have been more challenged by industrialization. The west coast, mid Wales and North Wales are wild and beautiful.
Anglų kalba  Referatai   (4 psl., 4,99 kB)
Simla agreement
2009-06-02
This agreement on Bilateral Relations between India and Pakistan was signed after the 1971 India-Pakistan War, in which Pakistan was defeated conclusively and which resulted in the creation of Bangladesh. India refrained from attacking or finishing off Pakistan and signed this agreement with the hope that henceforth the countries in the region would be able to live in peace with each other. The then Pakistani Prime Minister, Zulfiqar Ali Bhutto, also promised the then Indian Prime Minister, Mrs Indira Gandhi, that his country would accept the Line of Control (LOC) in the state of J&K as the de facto border and would not try ot de-stabilise it. This was not formally entered in the agreement because Bhutto said it would cause domestic problems for him at this juncture. Mrs Gandhi magnanimously accepted his promise and did not formalise that part of the agreement. But Pakistan, as later events were to prove, never kept its part of the deal.
Politologija  Pagalbinė medžiaga   (2 psl., 4,92 kB)
Topics
2009-05-20
Education. Health and body care. Free time, entertainment. Services. Shopping. Everybody has a right to education in Lithuania. The secondary education is compulsory. Nowadays the life in our country is very difficult and a lot of young people don’t go to school, they haven’t even got secondary education. There are a lot of young people, children especially in big town’s streets.
Anglų kalba  Rašiniai   (1 psl., 10,95 kB)
The European Union (EU) is a political and economic union of 27 member states, located primarily in Europe. Date of foundation: 1st November, 1993...
Anglų kalba  Pateiktys   (9 psl., 24,51 kB)
Charles Chaplin. Galileo. The elderly in America. A camping trip. Tips for travellers. Charles Spencer Chaplin was the comedian, the greatest film comic in the history of mankind. The actor was born in 1889 in the London East End. Sydney was his brother, fuor years older than Charles. Chaplin’s parents were actors. Two children adored their mother for her blue eyes and long light brown hair. Littlle Charlie cuoldn’t remember his father. Mother told him that he was a very good artist.
Anglų kalba  Referatai   (5 psl., 10,1 kB)
Judaism
2009-05-18
Judaism is the oldest of the monotheistic faiths. It affirms the existence of one God, Yahweh, who entered into covenant with the descendants of Abraham, God's chosen people. Judaism's holy writings reveal how God has been present with them throughout their history. These writings are known as the Torah, specifically the five books of Moses, but most broadly conceived as the Hebrew Scriptures (traditionally called the Old Testament by Christians) and the compilation of oral tradition known as the Talmud (which includes the Mishnah, the oral law).
Teologija  Pagalbinė medžiaga   (2 psl., 6,17 kB)
Entertainment
2009-05-03
One of my favourite thing is poetry which helps me to understand the outside world, brings to my mind the strength of the human spirit, the beauty of man. Poetry helps me to educate myself. When I have some spare time I create poems too. I’m going to publish my creative work in the future. But I know I must work very hard if I want to charm my readers. I wont to appeal to people’s hearts & minds of people, to their feeling & ideals. I’m also interested in architecture so I like to visit the places where I can see how people lived in the past, old buildings, castles. I like Gediminas castle, which foundation is guarded by the “Iron wolf” legend.
Anglų kalba  Rašiniai   (3 psl., 8,08 kB)
Euro - disadvantages and advantages. Millenium. Vilnius – european capital of culture 2009. Politics. Olympic games. National parks.
Anglų kalba  Pagalbinė medžiaga   (5 psl., 22,23 kB)
2008 metų anglų kalbėjimo įskaitos konspektas "Alcohol and teenagers". Pati rašiau, gavau 10. tikiuosi, kam nors pravers.
Anglų kalba  Konspektai   (1 psl., 7,94 kB)
Topic about reading
2008-11-06
Pagalba ruošiantis anglų kalbos egzamino kalbėjimo daliai.
Lietuvių kalba  Pagalbinė medžiaga   (2 psl., 44,81 kB)
Pagalba ruošiantis anglų kalbos egzamino kalbėjimo daliai.
Lietuvių kalba  Pagalbinė medžiaga   (8 psl., 19,36 kB)