Our ideas must be conveyed in a strategic manner by catching the attention of the listeners. So, words become very important and their power is enhanced by their denotation and connotation. Denotation or the explicit meaning, the dictionary definition helps for a better understanding of words...

At the core of all our activities is the continuous striving to fulfill ourselves, to build and maintain a deeper satisfaction, consistent with our often unsaid wishes and hopes; there will always be a goal and this must represent an appropriate challenge. In everything we do as we are all...

Visual vocabulary or visual language is a set of symbols used to describe a system or a process; it refers to all graphical representations that supplement a brand image, a logo, and build a brand identity that is bound to remain invariable even when the sign undergoes fundamental changes. The...

This article presents the results of an experiment conducted on two distinct groups of students attending our ESP classes in the academic year 2009-2010. The first group was formed of second year students majoring in business and the second group first year students majoring in computer science....

Throughout one’s life time each individual is required to find solutions to different problems by carrying out new operations, by combining the data and knowledge available, or by joining together disparate pieces of information. The students’ creative potential must be formed through...

When we speak about communication it is imperative to consider it as being cultural — it draws on ways we have learned to speak and give nonverbal messages. We do not always communicate the same way from day to day, since there are factors like context, individual personality, and mood...

Longevity risk has become a major challenge for governments, individuals, and annuity providers in most countries, and especially its aggregate form, i.e. the risk of unsystematic changes to general mortality patterns, bears a large potential for accumulative losses for insurers. As obvious risk...

Applicants for any given job are more or less suited to fill it, and the firm will select the best among them. Increasing the wage offer attracts more applicants and makes it possible to raise the hiring standard and improve the productivity of the staff. Wages that optimize on the trade-off...

This paper empirically analyzes a particular type of notes observed in securitization transactions: combination notes. Combination notes are formed by combining parts of two or more tranches of securitization transactions, where one part usually consists of a share of the first loss piece. It is...