Official Gmail Blog: A new mobile Gmail experience for iPhone and Android

02

Official Gmail Blog: A new mobile Gmail experience for iPhone and Android

Modals of Obligation: must, have to, have got to, need, will, shall, is to, was to

02

easyenglish lesson

Modals
Modals may seem confusing to non-English speakers. Study the chart below.
You will see that several different modals can express a single mood.
And several different moods can be expressed by a single modal.
Below, you will find an example of each modal as it expresses each mood.
Go to the lessons to learn more.

LESSON  MOOD   MUST HAVE TO GOT TO NEED WOULD WILL SHALL SHOULD OUGHT MAY MIGHT COULD CAN ABLE TO DOES DID IS
01infer  inference/conclusion must have to got to  would will       cannot    
02oblig  obligation  must have to got to need  will shall          is to
03advice recommendation/advice    need    should ought        
04suggst suggestion        shall    might could can    
05expect expectation         should ought        
06probab probability           may might      
07permit permission/concession          may might could can    
08reques request       would will     might could can    
09offer  offer        will     might could can    
10possib possibility             could can able to   
11abilit ability/capacity     would will      could can able to does did 
12predic prediction       will shall        does  is

01infer: inference/conclusion:
must  He must know about the second world war because he was born in Germany.
must not They must not have gotten my message because they haven't called.
have to  If she is English she has to have drunk tea at least once.
got to  With those brightly colored shorts and sunglasses, they've got to be tourists.
would  A tall steel tower in the center of Paris? Ah, that would be the Eiffel Tower.
will  Behind every successful man, you will find a woman.
will  When the cat's away, the mice will play.
can't  If she's tall and thin, it can't be Mary.

02oblig: obligation:
must  All the soldiers must report back to their commanding officer at least once a day.
must  If two ride on a horse, one must ride behind.
must not If you are feeling sick, you must not go out in the rain.
have to  To become a doctor you have to study for many years.
don't have to In America, all citizens should vote, but they don't have to.
got to  You've got to change the oil in your car every once in a while, or the engine will blow up.
need  To get your passport, you need to go to the government office.
will  You will do exactly as I tell you to do.
shall  Thou shalt not steal.
is to  Phillip and Joey are to buy all the drinks for the party.

03advice: recommendation/advice
need  If you want to go hiking in the Rocky Mountains, you need to get a good raincoat.
should  To learn English really well, you should travel in America or Ireland.
ought  You ought to call Catherine if you are thinking of not going.

04suggst: suggestion
shall  Shall I come back later?
might  If you can't find the phone number in the yellow pages you might try directory assistance.
could  You could try a different shampoo if your hair is too dry.
can  They can ask Uncle Peter for help if they don't understand.
let  Let nature take her course.

05expect: expectation
should  Suzanne should be getting home any minute.
ought  The movie ought to start at about eight o'clock.

06probab: probability
may  Bring a pic-nic lunch because there may not be a restaurant at the beach.
might  If you explain your problem to Elizabeth, she might have some suggestions.

07permit: permission/concession
may  The guard said we may not take pictures in the museum.
may  You may be a college graduate, but you're a lousy poker player.
may  A man may work from sun to sun but a woman's work is never done.
might  The World Cup might be the biggest sports event in the world, but I think it's boring.
could  Mom said we could play outside after dinner.
can  I'm sorry, only employees can use the office telephone.

08reques: request
would  Would you please be quiet?
will  Will you open that door for me please?
might  Might I have a try at your computer game?
could  Could I see the rest of your house?
can  Can Pamela use the bathroom?

09offer:  offer
will  I'll take care of the flight reservations.
might  We might help out with the cooking if you like.
could  Mohammed could explain the details to everyone.
can  Kamal can take the car and go get Tanaka at the swimming pool.

10possib: possibility
could  At this hour, the library could be closed.
can  You can take a boy out of the country, but you can't take the country out of the boy.
can  Women: you can't live with 'em and you can't live without 'em.
can  You can't lose what you never had.
can  You can't buy happiness.
able to  We went to the concert, but we weren't able to meet the musicians.

11abilit: ability/capacity
would  When this car was new, it would go 170 kilometers per hour.
will  All of these clothes will not fit in your suitcase.
could  When I first came to Italy, I couldn't understand anything.
can  Veronica can't swim and she can't drive a car, but she can sing really well!
can  Those who can, do; those who can't, teach.
able to  I won't be able to speak Chinese well until I've had many more lessons.
does  Junko is very strong; she runs 10 kilometers every day.
did  When I knew Richard in Japan, he spoke Japanese very well.

12predic: prediction
will  What will people think?
will  Time will heal all wounds.
shall  We shall meet him at the train station.
shall  Blessed are the meek for they shall inherit the earth.
shall  As you sow, so shall you reap.
does  The train gets in at eight thirty.
is  Tomorrow is Christmas.

Web Learn English

02

Learn English Links

EslDepot.com - software, games and books for learning or teaching English

Learn English:

EnglishClub.com:
ESL Learning Centre - ESL Clubhouse - ESL Teachers Lounge - ESL World

Grammar - Vocabulary - Pronunciation - Listening - Speaking - Reading - Writing
ESL Help - ESL Games - ESL Quizzes - ESL Forums - ESL Chat Room
Business English - English for Work - Young Learners - ESL Exams - ESL Jokes - ESL Articles

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Teach English:

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Teacher Training - TEFL Courses - ESL Jobs - Teacher Forums - ESL Lesson Plans - ESL Administration

eslAdmin.com

Online English Tests 01

02

1. Choose the CORRECT RESPONSE:

What is the windiest month?

______

A: March is windiest month of the year.

B: The windiest month to the year is March.

C: The windiest month is Aprel.

D: November is the windiest month.

E: November is the windier month.

---

2. Choose the CORRECT RESPONSE:

Where are you going?

______

A: I am going to my mother's house.

B: I going at work.

C: I are going home.

D: I go to the store.

E: I am going to Johns house.

---

3. Choose the CORRECT RESPONSE:

Do you have any money?

______

A: No, I have none.

B: Yes, I has some.

C: No, I don't have many.

D: Yes, I have any.

E: No, I does not.

---

4. Fill in the blank:

The milk is ______ the refrigerator.

A: to

B: of

C: at

D: in

E: from

---

5. Choose the CORRECT RESPONSE:

What color are John's eyes?

______

A: Are brown.

B: The eyes of John's color is brown.

C: The color of the eyes of John is brown.

D: John's eyes are brown.

E: John's eyes' color is brown.

---

6. Change the (noun) to singular:

The (dogs) are digging up the garden.

---

7. Fill in the blank:

Never look directly ______ the sun. It is bad for your eyes.

A: to

B: for

C: through

D: of

E: at

---

8. Fill in the blank:

Junko will be late. She must drive ______ Kobe to Tokyo.

A: to

B: of

C: towards

D: onto

E: from

---

9. Fill in the blank:

______ the war, most Italians were farmers.

A: To

B: From

C: While

D: Before

E: When

---

10. Fill in the blank:

______ you like?

I like grapes and figs.

A: What kind of fruit

B: How many fruit do

C: Types of fruit do

D: What type of fruit do

E: What kind fruit do

---

11. CHANGE this verb TO PAST TENSE:

say

A: said

B: sayen

C: sayed

D: sain

E: saying

---

12. Change the (verb) to the past tense:

They (go) to the Baptist church.

---

13. Fill in the blank:

What hours ______?

From nine to five, Monday through Friday.

A: work you normally

B: are you normally working

C: you work normally

D: do you normally work

E: are working

---

14. Fill in the blank:

______ is vacation?

It's in August.

A: Who

B: Why

C: When

D: Where

E: How

---

15. Put the phrases in the CORRECT ORDER:

wonderfully professor intelligent a old

A. wonderfully

B. professor

C. intelligent

D. a

E. old

(For example, type in the box.)

---

16. Fill in the blank:

You can have ice cream ______ you finish your dinner.

A: when

B: but

C: and

D: or

E: while

---

17. Fill in the blank:

We get good grades ______ we study.

A: but

B: except

C: or

D: during

E: because

---

18. Fill in the blank:

I can't see anything in this ______.

A: darken

B: dark

C: darker

D: darkening

E: darkness

---

19. Change the (verb) to INFINITIVE or GERUND:

Peter doesn't know how (ride) a bicycle.

---

20. Choose the CORRECT RESPONSE:

Hello, how are you?

______

A: Oh man, I's beat!

B: I'm fine, thanks.

C: I am doing finely.

D: Very well, and how you are?

E: I'm doing great, thanks. Are you?

easyenglish lesson

02

easyenglish lesson

Modals
Modals may seem confusing to non-English speakers. Study the chart below.
You will see that several different modals can express a single mood.
And several different moods can be expressed by a single modal.
Below, you will find an example of each modal as it expresses each mood.
Go to the lessons to learn more.

LESSON  MOOD   MUST HAVE TO GOT TO NEED WOULD WILL SHALL SHOULD OUGHT MAY MIGHT COULD CAN ABLE TO DOES DID IS
01infer  inference/conclusion must have to got to  would will       cannot    
02oblig  obligation  must have to got to need  will shall          is to
03advice recommendation/advice    need    should ought        
04suggst suggestion        shall    might could can    
05expect expectation         should ought        
06probab probability           may might      
07permit permission/concession          may might could can    
08reques request       would will     might could can    
09offer  offer        will     might could can    
10possib possibility             could can able to   
11abilit ability/capacity     would will      could can able to does did 
12predic prediction       will shall        does  is

01infer: inference/conclusion:
must  He must know about the second world war because he was born in Germany.
must not They must not have gotten my message because they haven't called.
have to  If she is English she has to have drunk tea at least once.
got to  With those brightly colored shorts and sunglasses, they've got to be tourists.
would  A tall steel tower in the center of Paris? Ah, that would be the Eiffel Tower.
will  Behind every successful man, you will find a woman.
will  When the cat's away, the mice will play.
can't  If she's tall and thin, it can't be Mary.

02oblig: obligation:
must  All the soldiers must report back to their commanding officer at least once a day.
must  If two ride on a horse, one must ride behind.
must not If you are feeling sick, you must not go out in the rain.
have to  To become a doctor you have to study for many years.
don't have to In America, all citizens should vote, but they don't have to.
got to  You've got to change the oil in your car every once in a while, or the engine will blow up.
need  To get your passport, you need to go to the government office.
will  You will do exactly as I tell you to do.
shall  Thou shalt not steal.
is to  Phillip and Joey are to buy all the drinks for the party.

03advice: recommendation/advice
need  If you want to go hiking in the Rocky Mountains, you need to get a good raincoat.
should  To learn English really well, you should travel in America or Ireland.
ought  You ought to call Catherine if you are thinking of not going.

04suggst: suggestion
shall  Shall I come back later?
might  If you can't find the phone number in the yellow pages you might try directory assistance.
could  You could try a different shampoo if your hair is too dry.
can  They can ask Uncle Peter for help if they don't understand.
let  Let nature take her course.

05expect: expectation
should  Suzanne should be getting home any minute.
ought  The movie ought to start at about eight o'clock.

06probab: probability
may  Bring a pic-nic lunch because there may not be a restaurant at the beach.
might  If you explain your problem to Elizabeth, she might have some suggestions.

07permit: permission/concession
may  The guard said we may not take pictures in the museum.
may  You may be a college graduate, but you're a lousy poker player.
may  A man may work from sun to sun but a woman's work is never done.
might  The World Cup might be the biggest sports event in the world, but I think it's boring.
could  Mom said we could play outside after dinner.
can  I'm sorry, only employees can use the office telephone.

08reques: request
would  Would you please be quiet?
will  Will you open that door for me please?
might  Might I have a try at your computer game?
could  Could I see the rest of your house?
can  Can Pamela use the bathroom?

09offer:  offer
will  I'll take care of the flight reservations.
might  We might help out with the cooking if you like.
could  Mohammed could explain the details to everyone.
can  Kamal can take the car and go get Tanaka at the swimming pool.

10possib: possibility
could  At this hour, the library could be closed.
can  You can take a boy out of the country, but you can't take the country out of the boy.
can  Women: you can't live with 'em and you can't live without 'em.
can  You can't lose what you never had.
can  You can't buy happiness.
able to  We went to the concert, but we weren't able to meet the musicians.

11abilit: ability/capacity
would  When this car was new, it would go 170 kilometers per hour.
will  All of these clothes will not fit in your suitcase.
could  When I first came to Italy, I couldn't understand anything.
can  Veronica can't swim and she can't drive a car, but she can sing really well!
can  Those who can, do; those who can't, teach.
able to  I won't be able to speak Chinese well until I've had many more lessons.
does  Junko is very strong; she runs 10 kilometers every day.
did  When I knew Richard in Japan, he spoke Japanese very well.

12predic: prediction
will  What will people think?
will  Time will heal all wounds.
shall  We shall meet him at the train station.
shall  Blessed are the meek for they shall inherit the earth.
shall  As you sow, so shall you reap.
does  The train gets in at eight thirty.
is  Tomorrow is Christmas.

It’s necessary to filter foreign portfolio investment: officials (21/03)

02

It’s necessary to filter foreign portfolio investment: officials (21/03)

Responding to the violent criticism about the strict measures to be applied to control the foreign capital flow, state management authorities affirmed that it was necessary to filter the capital flow into the market. Investors once breathed a sigh of relief when the Government announced it would not apply measures to control foreign portfolio investment flow in the stock market. However, the market has become stirred up again by the news that the Government will enact the regulation of monitoring securities companies, investment funds and fund management companies through many restrictions. The draft regulation has been facing strong opposition from the Vietnam Association of Financial Investors (VAFI), which said that 80% of investment funds would withdraw from Vietnam if the draft regulation was enacted. Phung Khac Ke, Deputy Governor of the State Bank of Vietnam (SBV), said that every country applies certain technical barriers to monitor the market and make it develop on the right track or the way the Government wants. Every country wants to seek prestigious and capable investors, which can ensure the sustainable growth of the market. “These are technical barriers, not policy barriers,” Mr Ke stressed. When asked if the majority of the investment funds would withdraw from the market, Mr Ke said that the regulation, if enacted, would not be retroactive, which means that the operational funds that cannot meet the new regulations would still be allowed to operate in Vietnam. “Only the investment funds to be set up after the regulation is enacted would have to meet the requirements. I think that the State Securities Commission (SSC) also thinks this way,” Mr Ke said. He added that the principle of non-retroactive effect would be suitable in this case, as investors have come to Vietnam in the early days of the stock market. Truong Van Phuoc, Director of the State Bank of Vietnam’s Transaction Centre, said that the question that policy makers always raise when compiling regulations is which goals the policies aim to. “If Vietnam wants to attract stable capital flow which can serve long-term development, it must have a suitable mechanism to filter capital. We have to, as Vietnamese people always say, pick our company,” Mr Phuoc said. However, Mr Phuoc said that state management authorities should consider carefully the measures to be applied, adding that administrative orders sometimes do not bring the desired effects. “The market should be controlled by economic measures rather than administrative orders,” he said. Source: VietnamNet

Free Excel Spreadsheets

02

Free Excel Spreadsheets

1. Top Five Capital Budgeting Analysis (xls) - Basic program for doing capital budgeting analysis with inclusion of opportunity costs, working capital requirements, etc. - Aswath Damodaran
2. Rating Calculation (xls) - Estimates a rating and cost of debt based on the coverage of debt by an organization - Aswath Damodaran
3. LBO Valuation (xls) - Analyzes the value of equity in a leverage buyout (LBO) - Aswath Damodaran
4. Synergy (xls) - Estimates the value of synergy in a merger and acquisition - Aswath Damodaran
5. Valuation Models (xls) - Rough calculation for choosing the correct valuation model - Aswath Damodaran
6. Risk Premium (xls) - Calculates the implied risk premium in a market. (uses macro's) - Aswath Damodaran
7. FCFE Valuation 1 (xls) - Free Cash Flow to Equity (FCFE) Valuation Model for organizations with stable growth rates - Aswath Damodaran
8. FCFE Valuation 2 (xls) - Free Cash Flow to Equity (FCFE) Valuation Model for organizations with two periods of growth, high growth initially and then stable growth - Aswath Damodaran
9. FCFE Valuation 3 (xls) - Free Cash Flow to Equity (FCFE) Valuation Model for organizations with three stages of growth, high growth initially, decline in growth, and then stable growth - Aswath Damodaran
10. FCFF Valuation 1 (xls) - Free Cash Flow to Firm (FCFF) Valuation Model for organizations with stable growth rates - Aswath Damodaran
11. FCFF Valuation 2 (xls) - Free Cash Flow to Firm (FCFF) Valuation Model for organizations with two periods of growth, high growth initially and then stable growth - Aswath Damodaran
12. Time Value (xls) - Introduction to time value concepts, such as present value, internal rate of return, etc.
13. Lease or Buy a Car (xls) - Basic spreadsheet for deciding to buy or lease a car.
14. Top Five NPV & IRR (xls) - Explains Internal Rate of Return, compares projects, etc.
15. Real Rates (xls) - Demonstrates inflation and real rates of return.
16. Template (xls) - Template spreadsheet for project evaluation & capital budgeting.
17. Top Five Free Cash Flow (xls) - Cash flow worksheets - subsidized and unsubsidized.
18. Capital Structure (xls) - Spreadsheet for calculating optimal capital structures using different percents of debt.
19. WACC (xls) - Calculation of Weighted Average Cost of Capital using beta's for equity.
20. Statements (xls) - Generate a set of financial statements using two input sheets - operational data and financial data.
21. Bond Valuation (zip) - Calculates the value or price of a 25 year bond with semi-annual interest payments.
22. Buyout (zip) - Analyzes the effects of combining two companies.
23. Cash Flow Valuation (zip) - Walks through a valuation of cash flows under three models- capital cash flows, equity cash flows, and free cash flows.
24. Financial Projections (zip) - Spreadsheet model for generating projected financials along with valuation based on WACC.
25. Leverage (zip) - Shows the effects on Net Income from using debt (leverage).
26. Ratio Calculator (zip) - Calculates a standard set of ratios based on input of financial data.
27. Stock Value (zip) - Calculates expected return on stock and value based on no growth, growth, and variable growth.
28. CFROI (xls) - Simplified Cash Flow Return on Investment Model.
29. Financial Charting (zip) - Add on tool for Excel 97, consists of 6 files.
30. Risk Analysis (exe) - Analysis and simulation add on for excel, self extracting exe file.
31. Black Scholes Option Pricing (zip) - Excel add on for the pricing of options.
32. Cash Flow Matrix - Basic cash flow model.
33. Business Financial Analysis Template for start-up businesses from Small Business Technology Center
34. Forex (zip) - Foreign market exchange simulation for Excel
35. Hamlin (zip) - Financial function add-on's for Excel
36. Tanly (zip) - Suite of technical analysis models for Excel
37. Financial History Pivot Table - Microsoft Financials
38. Income Statement What If Analysis
39. Breakeven Analysis (zip) - Pricing and breakeven analysis for optimal pricing - Biz Pep.
40. SLG Ratio Master (exe) - Excel workbook for creating 25 key performance ratios.
41. DCF - Menu driven Excel program (must enable macros) for Discounted Cash Flow Analysis from the book Analysis for Financial Management by Robert C. Higgins - Analysis for Financial Management
42. History - Menu driven Excel program (must enable macros) for Historical Financial Statements from the book Analysis for Financial Management by Robert C. Higgins - Analysis for Financial Management
43. Proforma - Menu driven Excel program (must enable macros) for Pro-forma Financial Statements from the book Analysis for Financial Management by Robert C. Higgins - Analysis for Financial Management
44. Business Valuation Model (zip) - Set of tabbed worksheets for generating forecast / valuation outputs. Includes instruction sheet. Bizpep
45. LBO Model - Excel model for leveraged buy-outs
46. Comparable Companies - Excel valuation model comparing companies
47. Combination Model - Excel valuation model for combining companies
48. Top Five Balanced Scorecard - Set of templates for building a balanced scorecard.
49. Cash Model - Template for calculating projected financials from CFO Connection
50. Techniques of Financial Analysis - Workbook of 11 templates (breakeven, valuation, forecasting, etc.) from ModernSoft
51. Ratio Reminder (zip) - Simple worksheet of comparative financials and corresponding ratios from Agilicor
52. Risk Analysis IT - Template for assessing risk of Information Technology - Audit Net
53. Risk Analysis DW - Template for assessing risk of Data Warehousing - Audit Net
54. Top Five Excel Workbook 1-2 - Set of worksheets for evaluating financial performance and forecasting - Supplemental Material for Short Course 1 and 2 on this website.
55. Rule Maker Essentials - Excel Template for scoring a company by entering financial data - The Motley Fool
56. Rule Maker Ranker - Excel Template for scoring a company by entering comparable data - The Motley Fool
57. IPO Timeline - Excel program for Initial Public Offerings (must enable macros)
58. Assessment Templates - Set of templates for assessing an organization based on the Malcolm Baldrige Quality Model.
59. Cash Gap in Days - Spreadsheet for calculating number of days required for short-term financing.
60. Cash Flow Template - Simple cash flow model with explanations of each cash flow component - Arkansas Small Business Development Center.
61. Six Solver Workbook (zip) - Set of various spreadsheets for solving different business problems (inventory ordering, labor scheduling, working capital, etc.).
62. Free Cash Flow Valuation - Basic Spreadsheet Valuation Model
63. Finance Examples - Seven examples in Business Finance - Solver
64. Capital Budgeting Workbook - Several examples of capital budgeting analysis, including the use of Solver to select optimal projects.
65. Present Value Tables (rtf) - Set of present value tables written in rich text format, compatible with most word processors. Includes examples of how to use present value tables.
66. Investment Valuation Model (zip) - Valuation model of companies (must enable macros) - Excel Business Tools
67. Cash Flow Sensitivity (xlt) - Sensitivity analysis spreadsheet - Small Business Store
68. What If Analysis - Set of templates for sensitivity analysis using financial inputs.
69. Risk Return Optimization - Optimal project selection (must enable macro's) - Metin Kilic
70. CI - Basics #1 - Basic spreadsheet illustrating competitive analysis - Business Tools Templates.
71. CI - Basics #2 - Basic spreadsheet illustrating competitive analysis - Business Tools Templates.
72. External Assessment - Assessment questions for organizational assessment (must enable macros).
73. Internal Assessment - Assessment questions for organizational assessment (must enable macros).
74. Formal Scorecard - Formal Balanced Scorecard Spreadsheet Model (3.65 MB / must enable macros) - Madison Area Quality Improvement Network.
75. Project Plan - Project Scheduling Template currently setup for a Balanced Scorecard Project.
76. Gantt Chart - Gantt chart for project management with work plan - Jim Chapman's Web Site
77. E O Q Model - Simple Inventory Models for calculating Economic Order Quantity.
78. Inventory Simulation Control Model - Formal model for simulating inventory shortages, delivery times, costs, backorders, and optimal inventory levels - John McClain
79. Financial Projections Model - A comprehensive financial model for forecasting a complete set of financials with breakeven and valuation tabs developed by Frank Moyes and Stephen Lawrence at Leeds School of Business.
80. Option Trading Workbook - Educational toolkit for using Excel for Options - Option Trading Tips
81. Financial Model - A nice clean financial model driven by different calculators (such as Company, Market, Subscribers, etc.) developed by Bill Snow.
82. Forecasting Model - Step by step financial model for forecasting financials created by Sam Gui
83. Economic Evaluation - Step by step workbook for evaluating the economics of a system investment - Automated Concepts

Note: Most of the spreadsheets on this web page are from different sources. Where possible, a link has been provided back to the source. If you have questions, please contact the source. Only four spreadsheets were created by Matt H. Evans (No's 48, 54, 58, 64). If you need other spreadsheets not listed above, then please refer to the many links listed below for additional help.
Top Five - Five most popular files downloaded from this web page।

(http://www.exinfm.com/free_spreadsheets.html)

Foreign investors not keen on Vietnam’s agriculture

02

Foreign investors not keen on Vietnam’s agriculture

Vietnam has attracted US$63.7 billion of registered capital from foreign investors and $30 billion has been disbursed; only $3.78 billion (5.6% of the total) and $1.9 billion are the respective figures for agriculture.

The lack of a long-term FDI drawing strategy, poor rural infrastructure, low labour skills, high risks are still big barriers preventing foreign investors from accessing Vietnam’s agricultural sector.
Unattractive agriculture

The country currently has 758 foreign-invested projects in agriculture, which bring the annual turnover of around $312 million, including over $100 million from exports.

However, experts have said that investments in this sector have to face many latent risks from weather, market, low profit, and dependence on the growing periods of plants and animals.

As a result, foreign investors focus their money on projects that allow them to quickly recover their investment, such as producing animal feed and processing agricultural products instead of developing bio-technology in agriculture, creating new plant varieties by cross-breeding. Specifically, foreign investment in plantations, agricultural and animal feed processing projects accounts for 76% of the total foreign investment in agriculture.

Additionally, agricultural projects are often carried out in rural areas, where the supportive resources for investors are poor, resulting in the dissolution of up to 30% of projects.

Some investors need to use vast areas of land for their projects but provinces have allocated their land to farmers already. Agglomerating land to have a large production area is a decisive factor to attract foreign investment in agriculture but this is really a very difficult task for local governments because of the lack of a clear policy on compensation, tariff, and investment incentives.

A strategy for agriculture

The agricultural sector still lacks a strategy to lure foreign investment so one of the most important points of the “Strategy to attract and raise the effectiveness of foreign investment in agriculture”, which is being compiled by some state agencies, is defining the role of foreign investment in the needs of development investment of this sector, key projects that need foreign investment.

Accordingly, solutions to attract foreign investment in agriculture will include three major groups: raising the effectiveness and quality of planning tasks and development plans of each agricultural branch; making complete mechanisms and policies on encouraging foreign investment in agriculture; promoting foreign investment in agriculture.

Official development assistance (ODA) capital will be used to develop rural infrastructure, implement vocational training programmes for farmers, scientific research, and technology transfer in agriculture.

Foreign investors will be encouraged to invest in ago-forestry processing, afforestation-wood processing, animal husbandry and animal feed production.

This month the Ministry of Agriculture and Rural Development will issue the strategy and plan for the use of foreign investment to 2010. The government will approve and issue new policies to lure foreign investment into agriculture and forestry sectors. All of the moves aim to raise US$1.5 billion of foreign capital for the agricultural sector from now to 2010.

Source: VietnamNet

Banks look overseas

02

Under the approval of the State Bank of Vietnam (SBV), Sacombank has become the first commercial bank of Vietnam to have a representative office abroad. This move proves that Vietnamese banks now are not only focusing on competition in the home market but aspiring to go abroad.

Looking for foreign markets

A mission of Sacombank has gone to China to perform formalities to open the bank’s representative office in Nanning city, Guangxi province.

Chinese authorities have agreed in principle and the office will be put into operation later this year. At the same time, Sacombank has applied to open branches in Laos and Cambodia. The bank’s rep. office in China will survey the economic, finance and banking, monetary, and credit situation in China to seek business opportunities for Sacombank.

By opening this rep. office in Guangxi, Sacombank has become the first commercial bank of Vietnam having an overseas rep. office.

Opening rep. offices or branches is not a new thing for the Bank for Foreign Trade of Vietnam (Vietcombank). Several years ago, this bank had a plan to open a branch in the US but owing to many reasons, Vietcombank couldn’t enter this finance-banking centre.

In 1970, Vietcombank had a financial company in Hong Kong, the Vietnam Finance Company. At that time, the role of this company was great when international payment in Vietnam faced many difficulties. But now, as means of payment are diverse, Vietcombank needs to have a branch with many more functions.

With its potentials, Vietcombank could open branches in neighbouring countries but the bank has a bigger dream in wanting to set up a branch in the US.

“The first move abroad shows that we not only know how to take defensive measures but also attack,” said Dang Van Thanh, Chairman of Sacombank Board of Directors.

The prestige of banks

A banking expert raised concerns about a regulation which could hinder the operations of banks. Once he went to the My Xuyen Commercial Joint Stock Bank in the southern province of An Giang to exchange US$1,000 into Vietnam dong. The bank’s staff said that as a rural bank, My Xuyen didn’t have a licence to exchange foreign currencies and they told him to go to a gold shop next door.

“Why can a gold shop exchange foreign currencies but a bank with capital of VND500 billion (US$31.250 million) is not licenced to do so?” he asked. This shows that banks are being restricted by irregular rules.

Recently, three banks, the HCM City Housing Development Bank, Phuong Nam Bank and Saigon Bank, have been licenced to trade gold on foreign accounts, raising the number of banks permitted to do so to ten. The Southeast Asia Bank is permitted to perform payment factoring service.

The above expert said that these were high-class services that could increase the prestige of banks. “With those tools, banks can get nearer to people and enterprises,” he said.

Source: Sài Gòn Tiếp thị

Agribank joins parade of banks selling insurance

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Agribank joins parade of banks selling insurance

The Bank for Agriculture and Rural Development of Viet Nam (Agribank) yesterday launched Agriculture Bank Insurance Joint Stock Corp (ABIC), which will operate non-life insurance services.

The corporation has VND160 billion (US$10 million) in chartered capital, of which Agribank holds a ruling stake of 47.81 per cent, Viet Nam Reinsurance Joint Stock Co holds 10 per cent and Agribank Leasing I&II companies hold 11.12 per cent.

At the launch ceremony, Agribank signed a contract to provide IT solutions to ABIC. At the same time, ABIC also signed two other contracts to supply insurance services to TMT Motor Joint Stock Co and Long Hai Technologies Applying and Transferring Joint Stock Co. Financial terms of the three contracts have not been released.

"With a very large operational network, the company will provide special insurance services to support remote rural areas. Our network coverage will be considered as our main advantage over competitors," said Chief Executive Officer of ABIC Nguyen Huu Luong.

The corporation would also try to achieve targets ratified by the Prime Minister so that by 2010, revenues from insurance services in rural areas will reach VND9 trillion ($562.5 million), equivalent to 4.2 per cent of GDP, he added.

"We are keen to encourage competition in this sector. It is likely to heat up rapidly among domestic insurance enterprises in such areas as quality, operational network capacity and human resources," said Director of the Insurance Department under the Ministry of Finance Trinh Thanh Hoan.

In the first half of this year, revenues from the non-life insurance services fetched nearly VND4 trillion ($250 million), an increase of 38 per cent compared with the same period last year. And the total revenue in this sector increased to over VND8.3 trillion ($518 million).

According to Phung Dac Loc, chairman of the Viet Nam Insurance Association, the nation’s entry into the World Trade Organisation was expected to open more opportunities for enterprises but the competitive pressures on the market would also significantly increase.

Insurance enterprises are also getting ready to compete with other diversified financial institutions such as banks, securities firms and real estate investments.

Agribank is the third state-owned bank to join this sector and ABIC is the corporation with biggest charter capital among existing domestic insurance enterprises.

Early this year, Vietcombank announced a new partnership designed to help the bank break into the insurance market, signing a VND140 billion ($8.75 million) deal with Cardiff, the insurance provider for BNP Paribas Assurance, and the Southeast Asian Bank (SeABank), to create VCB Cardiff Life Insurance ltd.

Following this event, Bank for Investment and Development of Viet Nam (BIDV) bought interests in Australia QBE Insurance Co and in the Viet Nam-Australia Insurance Joint Venture. The bank founded the Bank Insurance Co with capital of VND80 billion ($5 million).

HSBC has also opened a representative office for HSBC Life International ltd in Ha Noi. The office will serve as spearhead for the bank to penetrate the domestic life insurance market.

Source: Vietnam News

What standards to be applied for coffee exports?

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What standards to be applied for coffee exports?

Coffee exporters cannot sign export contracts at this moment, as they do not know what standards will be applied for the exports, while the new coffee crop 2007-2008 is only one month away. Most refused coffee sourced from Vietnam The International Coffee Organisation (ICO), of which Vietnam is a member, has recently announced that the volume of refused coffee of Vietnam in the 2006-2007 crop kept increasing, according to the statistics of LIFFE. Among the refused 708,300 coffee bags (60 kg for each), Vietnamese products accounted for 88%, or 37,000 tonnes, an increase of 19% over the previous crop. Van Thanh Huy, Chairman of Vicofa (the Vietnam Coffee and Cocoa Association), said that most local coffee exporters still applied TCVN 4193:1993 standard, set in 1993, out of date compared to international standards. Currently, most exporters apply R2 standard for robusta. Every year, Vietnam exports 800-900,000 tonnes of coffee with 1% of impurities, and 8-9,000 tonnes are refused. Though having good aromatic flavour, Vietnam-made coffee is always ranked as 3rd or 4th class products due to impurities and broken beans. Many coffee exporters in Dak Lak said that they were capable of making coffee which could meet R1 standard, which is $30-40/tonne more expensive than R2 standard products. However, the application of R2 standard is the habit of enterprises. One coffee dealer related that he wanted to sell R1 coffee, but the buyers all wanted to buy R2 products, and he had to add ‘some more things’ to turn R1 into R2 coffee. Which one: previous or new standard to be applied? The 2007-2008 crop will begin in October, or just one more month. Normally, enterprises make deals and sign export contracts with foreign partners several months before the crop begins. However, coffee cannot do that this year, because they don’t know if the TCVN 4193:2005 will be applied this year. In May 2007, the Ministry of Trade, now the Ministry of Industry and Trade, sent a dispatch to coffee exporters, saying that the new standard TCVN 4193:2005 would be applied this year in order to upgrade the export quality. After that, the Ministries of Trade and Agriculture and Rural Development both sent dispatches to the Ministry of Science and Technology (MST) requesting that the ministry promulgate the regulations on examining coffee exports in accordance with TCVN 4193:2005, commencing from October 1, 2007. However, MST has not made any move. TCVN 4193:2005 has been recognised by ICO which wants Vietnam to apply it soon. However, problems still exist. Mr Huy from Vicofa, on one hand, thought that the new standard should be applied, on the other hand, said that the tardiness in enacting legal documents would put difficulties on exporters. In order to apply the new standard, enterprises need more time to upgrade the processing line and purchase more equipment. Nguyen Thanh Bien, Deputy Minister of Industry and Trade, has warned that once the new standard was applied, several tens of thousands of tons of lower quality coffee would be weeded out. Do Ha Nam, Director of Intimex, the biggest coffee exporter in Vietnam, said that farmers would need more time to change their habits of harvesting and drying; therefore, the new standard should not be applied right this year. “This would put hard pressure on tens of thousands of farmers who grow coffee nationwide,” Mr Nam said, adding that it was necessary to draw up a roadmap for the application of the new standard, while it could not be implemented immediately. Vietnam exported 893,000 tonnes of coffee in the first seven months of the year, earning $1.32bil of the targeted $1.46bil worth of coffee export turnover for the whole year of 2007.

Source: Thời báo Kinh tế Sài Gòn

Vietnam Maps

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Vietnam Maps

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The following maps were produced by the U.S. Central Intelligence Agency, unless otherwise indicated. Country Maps

• Vietnam (Political) 2001 (208K) and pdf format (214K)
• Vietnam (Political) 1992 (189K)and pdf format (202K)
• Vietnam (Shaded Relief) 2001 (258K) and pdf format (261K)
• Vietnam (Shaded Relief) 1992 (233K) nd pdf format (241K)
• Vietnam (Shaded Relief) 1985 (296K) pdf format (299K)
• Vietnam (Small Map) 2007 (21K)
• Vietnam: Administrative Divisions 2001 (187K) nd pdf format (194K)
• Vietnam: Administrative Divisions 1992 (139K)nd pdf format (142K)

Regional Maps

• Indochina (Shaded Relief) 1985 (342K)
• South China Sea (Islands) 1988 (229K)
• Spratly and Paracel Islands 1988 (229K)
• Spratly Islands 1995 (218K)
• Spratly Islands 1988 (223K)
• Spratly Islands (Small Map) 2007 (9K)

Historical Maps

• Indo-China 1886 "Map of Indo-China showing proposed Burma-Siam-China Railway" from the Scottish Geographical Magazine. Published by the Scottish Geographical Society and edited by Hugh A. Webster and Arthur Silva White. Volume II, 1886. (533K)
• Indochina and Thailand, Series L506 (Topographic Maps) 1:250,000, U.S. Army Map Service, 1954-
• Indochina Atlas 1970

Thematic Maps

• Indochina Atlas 1970
• Indochina Ethnolinguistic Groups From Indochina Atlas, 1970 (654K)
• Vietnam [South] - Economic Activity from Map No. 500874 1972 (140K)
• Vietnam [South] - Ethnic Groups from Map No. 500874 1972 (174K)
• Vietnam [South] - Land Utilization and Vegetation from Map No. 500874 1972 (174K)
• Vietnam [South] - Population from Map No. 500874 1972 (146K)

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Maps on Other Web Sites

• City Maps
• Country Maps
  

(http://www.lib.utexas.edu/maps/)

Vietnam Google Satellite Map

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Vietnam Google Satellite Map

Welcome to google maps Vietnam locations list, welcome to the place where google maps sightseeing make sense! With comprehensive destination gazetteer, maplandia।com enables to explore Vietnam through detailed satellite imagery — fast and easy as never before. Browse the list of administrative regions below and follow the navigation through administrative regions to find populated place you are interested in. You can also take advantage of our two following search bars. Your Vietnam google satellite map sightseeing
स्टार्ट

browse Vietnam google maps gazetteer

Browse the most comprehensive and up-to-date online directory of administrative regions in Vietnam. Regions are sorted in alphabetical order from level 1 to level 2 and eventually up to level 3 regions.

An Giang - Yen Bai

• An Giang - Can Tho
• Cao Bang - Ha Giang
• Ha Noi - Hoa Binh
• Khanh Hoa - Lao Cai

• Long An - Phu Yen
• Quang Binh - Son La
• Song Be - Tuyen Quang
• Vinh Long - Yen Bai

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Vietnam and neighbouring countries

• Cambodia
• China
• Laos

Vietnam in Google Earth

Explore Vietnam in Google Earth: use the regional directory or search form above to find your Google Earth location in Vietnam. We do not provide Google Earth links at the country or regional level, however each populated place page (at the last level of above directory) links directly to Google Earth. So don't wait. Explore the world now!

recommend this page

If you would like to recommend this Vietnam map page to a friend, or if you just want to send yourself a reminder, here is the easy way to do it. Simply fill in the e-mail address and name of the people you wish to tell about Maplandia.com, your name and e-mail address (so they can reply to you with gracious thanks), and click the recommend button। The URL of this site will be included automatically. You may also enter an additional message that will be also included in the e-mail.

Vietnam google satellite maps link options

link to us:

There are several options how to link to our maps — including no elsewhere to find free google maps gazetteer search, ready to use on your website। Please choose in the list below and simply copy & paste mentioned HTML code into your page source code। Thank you for all links!

IMPORTANT NOTE: The map search box code must be pasted directly into web pages without modification। You are not allowed to alter any portion of the link code or change the layout or targeting for any reason.

(http://www.maplandia.com/vietnam/)

Track Google AdSense Clicks via Google Analytics - Free AdSense Tracker

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Track Google AdSense Clicks via Google Analytics - Free AdSense Tracker

There have been 3rd party javascripts that track adsense clicks out for a while, but no free ones to my knowledge that track clicks on Firefox. Until now.

This free script integrates with Google Analytics to allow you to track your adsense clicks.

This tracking is done through "Goals". A goal is a way of tracking when a website visitor does something you want - Buy an item, submit a contact form, or in our case click an adsense ad.

Create a goal: To create a goal you assign it a URL. This url doesn't have to exist, as the javascript will trigger it.
In the Goal URL field, enter "/asclick" and "AdClick" for the goal name.

Adding the javscript to your page: Copy the astrack.js to your website server and add the following to the footer of your website. This has to come after all adsense code.

Testing it: DON'T! There is no way to test that this works as it tracks adsense clicks, and you can't click your own adsense. You'll just have to trust me that works :)

After some time you should start seeing goal tracking appearing in your stats.
For example, here is source conversion. Note that the percentages are based on Visitors, not Pageviews, so they do not compare to CTR.

So from that graphic we can see that out of 11 visitors that came from MSN, 54% of then clicked on an adsense ad over the course of their visit.

Below many graphs in Google Analytics is a list with round arrows. If you click the arrows on almost any item you see an option for "To-date Lifetime value".

Click this and you see the Goal conversion for that item. For example here is the Coversion rate for DSL users.

Once you have Google Analytics tracking your clicks, you can cross segment that data to almost any other data Google Analytics shows। It becomes a very powerful way of optimising your site, not just for CTR, but for the type of visitors that click adsense.

http://www.seobook.com/archives/001370.shtml

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