Twains Effective Strategies Essays - Geography Of The United States

Twain's viable procedures Imprint Twain's Life on the Mississippi is a story that follows a sequential request from start to finish. The primary section of the book starts with the authentic foundation of the Mississippi River, which is the fundamental focal point of the story. The purpose behind giving the foundation data of the waterway is to let the peruser have a superior comprehension of Twain's pleasure and wonder that gets his creative mind. In addition, Twain utilizes successful procedures, for example, itemized portrayal, verbal incongruity, and near gadgets to relate his own understanding on the Mississippi River to the crowd. All through the story Twain catches the peruser's eye through his point by point portrayal of the various encounters that happen on the waterway. In part four, Twain portrays a town when the steamer shows up. The white towns drowsing in the daylight of a mid year's morning; the roads unfilled, or pretty almost so; a couple of assistants sitting before the Water Street stores, with their brace bottomed seats inclined back against the walls?.but no one to tune in to the quiet lapping of the wavelets against them; the incomparable Mississippi, the great, the brilliant Mississippi?(21). Twain's utilization of careful depiction gives the peruser numerous insights regarding the scene. The reason for the subtleties is to include the progression of the sentence, subsequently empowering the peruser to look like a solid picture as far as they could tell. Later on in the section the depiction radically changes when the steamer moves closer to the dock. By and by a film of dim smoke shows up over one of those remote 'focuses'; immediately a negro drayman, popular for this snappy eye and tremendous voice, lifts up the cry, 'Steamer a coming' and the scene changes. The town lush mixes, the representatives wake up, an enraged clack of carts follows, each house and store spills out a human commitment, and all in a shimmering the dead town is alive and moving (22). At the point when the scene changes from a without a care in the world morning to wild eyed fervor, not exclusively does the portrayal changes, however the sentence structure changes too. The depiction of the steamer showing up to the town contains more subjects and action words; along these lines this makes the sentences more rough and compact instead of long and streaming point by point portrayals. The shorter sentences have an unexpected reason in comparison to the more extended sentences. The shorter sentences portray the move that is making place and simultaneously, it additionally draws out the air and the power the town individuals are experiencing. Then again, the more drawn out sentences depict more inside and out of the landscape and the individuals in the town. The distinctive sentence structure gadgets change the scene, and push it an ahead way. This change permits the peruser to intellectually picture Twain's encounters. In the start of the story, Twain describes the chronicled foundation of the Mississippi and the various travelers during the timespan. So as to re-tell history, Twain utilizes verbal incongruity and cleverness in part four to divert the peruser. La Salle himself sued for certain high benefits, and they were benevolently agreed him by Louis XIV of expanded memory. Boss among them was the benefit to investigate, far and wide, and construct posts, and stake out landmasses, and hand the equivalent over to the ruler, and pay the costs himself; getting, consequently, some little points of interest of some sort; among them the syndication of wild ox stows away (6). Truth be told, all around, religion was in a curiously sprouting condition: the Council of Trent was being called; the Spanish Inquisition was cooking, and racking, and consuming, with a free hand; somewhere else on the Continent the countries were being convinced to heavenly living by the blade and fire...(4). This section is loaded up with Twain's diverting depictions of lords, religions, and wayfarers. So as to make the dull history all the more energizing, Twain utilizes his mind to help up the recorded foundation of the content. His procedure permits the peruser to grin at his dull and amusing diversion. Twain's amusingness is viewed as unexpected in light of the parody he uses to compose the history. At the point when the peruser hears the recorded realities of the Spanish Inquisition being depicted as simmering and racking and

Free Essays on Morality And Kant

Profound quality According to Kant â€Å"All judicious information is either material, and concerns some article, or formal, and is involved uniquely with the type of comprehension and reason itself and with the all inclusive guidelines of speculation, regardless of qualifications among objects†(page 3). Kant utilizes these considerations all through the entirety of his works; the entirety of his remarks, musings, and perspectives relate back to this standard. Kant communicates his perspectives on profound quality, obligation, positive attitude, and good obligation all through the â€Å"Foundations of the Metaphysics of Morals.† I concur with a large number of Kant’s perspectives on these standards, and yet can't help contradicting the limits he takes in attempting to convince the peruser. The primary â€Å"proposition of morality† is that you must have planned something for accomplish moral worth. On page 14, Kant says that activity done out of â€Å"vanity or selfishness† isn't correct good worth. Kant utilizes the case of a troubled man. Despite the fact that this man is miserable, he despite everything helped other people around him. While helping other people, he was unable to acknowledge compassion from them since he was so engrossed with his own distresses. He doesn’t get anything as a byproduct of his assistance; presently, since he isn't getting anything for his assistance, he has done this demonstration with â€Å"genuine moral worth.† He is helping other people without monitoring the impact he is having on them. On page 16 it states, â€Å"An activity carried out from responsibility doesn't have its ethical worth in the reason which is to be accomplished through it however in the proverb whereby it is determined.† This stat ement is Kant’s second suggestion of profound quality. Kant’s second recommendation is a great deal like the first. I think what Kant is attempting to state that when somebody accomplishes something, not to profit oneself, it is accomplished for â€Å"duty.† When I read this I thought of legislators. At the point when a lawmaker is crusading he guarantees â€Å"lower taxes† and â€Å"better wellbeing benefits.† Although he may really attempt to accomplish these ... Free Essays on Morality And Kant Free Essays on Morality And Kant Ethical quality According to Kant â€Å"All discerning information is either material, and concerns some item, or formal, and is involved uniquely with the type of comprehension and reason itself and with the general guidelines of speculation, regardless of differentiations among objects†(page 3). Kant utilizes these musings all through the entirety of his works; the entirety of his remarks, contemplations, and perspectives relate back to this guideline. Kant communicates his perspectives on ethical quality, obligation, positive attitude, and good obligation all through the â€Å"Foundations of the Metaphysics of Morals.† I concur with a significant number of Kant’s perspectives on these standards, and yet can't help contradicting the limits he takes in attempting to convince the peruser. The main â€Å"proposition of morality† is that you must have planned something for accomplish moral worth. On page 14, Kant says that activity done out of â€Å"vanity or selfishness† isn't accurate good worth. Kant utilizes the case of a miserable man. In spite of the fact that this man is troubled, he despite everything helped other people around him. While helping other people, he was unable to acknowledge compassion from them since he was so engrossed with his own distresses. He doesn’t get anything as a byproduct of his assistance; presently, since he isn't getting anything for his assistance, he has done this demonstration with â€Å"genuine moral worth.† He is helping other people without monitoring the impact he is having on them. On page 16 it states, â€Å"An activity carried out from responsibility doesn't have its ethical worth in the reason which is to be accomplished through it yet in the adage whereby it is determined.† This statemen t is Kant’s second recommendation of profound quality. Kant’s second recommendation is a ton like the first. I think what Kant is attempting to state that when somebody accomplishes something, not to profit oneself, it is accomplished for â€Å"duty.† When I read this I thought of legislators. At the point when a legislator is battling he guarantees â€Å"lower taxes† and â€Å"better wellbeing benefits.† Although he may really attempt to accomplish these ...

Blog Archive MBA Career Advice Stop Talking About Work at Networking Events

Blog Archive MBA Career Advice Stop Talking About Work at Networking Events In this weekly series, our friends at MBA Career Coaches will be dispensing invaluable advice to help you actively manage your career. Topics include building your network, learning from mistakes and setbacks, perfecting your written communication, and mastering even the toughest interviews. For more information or to sign up for a free career consultation, visit  www.mbacareercoaches.com. We have this silly idea that when we meet people at networking events we should be talking about work. We are there to forward our career after all, so it stands to reason that the conversation should focus on what outstanding professionals we are, right? Wrong!!! A networking event is not an interview, and you should stop treating it that way. What matters in making that first connection with someone is whether or not they like you, whether they want to talk to you again, whether they could imagine enjoying coffee or a drink with you after work. Networking events are social more than they are professional. You don’t want people to be impressed by you. You want them to relate to you. You could call this a common interest or common ground, but it is not simply a surface-level shared passion for, say football, travel, or crime novels. Being relatable is a function of sharing something real about yourself, quite the opposite of what you would say if you were trying to impress someone with your professional accomplishments. Since in general people prefer positive emotions to negative ones, here are some ideas for things to talk about that make you relatable while focusing on the positive. Something you love. Anything. Do we need to remind you to avoid inappropriate or hot button issues such as sex, politics, or religion? Probably not. But anything else is fair game. Movies, nature, food, magazines, your niece, your trip to Jordan, your favorite laundry detergent, anything that you love to talk about. Something recent. Vivid details make the discussion more real. So talk about something current. Did you just see an incredible film last week? Talk about that. Enjoyed some Cuban tacos at a new joint on Broadway? Go there. Just got back from a trip to Scandinavia? Use that. Something you are thinking about. Questioning is relatable. Are you trying to figure something out? Engage others in a dialogue about it. Not sure where to take your mom for her birthday dinner? Ask the person next to you. Struggling to stay motivated to go to the gym at lunch every week? Ask the group what they do. Looking for a great resource on career advancement? Get the advice of the people you are speaking to. Importantly, do not make the conversation a transaction. Keep the conversation focused here and now. That will give you the best chance to make a genuine connection with the people you meet. You can worry about what you have to offer each other later. That’s what follow up conversations are for! Share ThisTweet MBA Career Advice

The Incarceration Of The Juvenile Justice System - 2790 Words

The Juvenile Justice System was created as a separate network from the Criminal Justice System so that juveniles could be treated differently from adults but still be held accountable for their crimes. This system takes more of a rehabilitative approach to help the juvenile offenders rather than to simply punish them because the goal is to keep the youth on the right path and prevent them from becoming lifelong criminals. While the goal remains the same, different states have different laws in place and other methods when it comes to rehabilitation as well as punishment. Punishment for juveniles always sparks debate because many people argue that punishments such as the death penalty and life in prison should not apply to the youth because of their age. Others argue that without this kind of punishment there would be no fear for juveniles in committing serious crimes which would lead to an unfair practice of justice. An unfair practice of justice occurs across the juvenile justice sy stem already in which race, gender, and ethnicity plays a huge role in determining how far into the system a youth goes. Changes have to be made to this system in order for improvement to be seen but it has to start from the beginning where the juveniles first come into contact with the system. In New York, juvenile jurisdiction starts with the youths that are over 7 and under 16 years old, but with extended jurisdiction it could last through age 20. Extended Jurisdiction is the power of theShow MoreRelatedThe Incarceration Of The Juvenile Justice System1601 Words   |  7 PagesWhen most people think about the American criminal justice system some of the first things that come to mind is corruption of officers and courts, or jails with prisoners. One of the last things that come to mind is the juvenile justice system. Nevertheless, nothing is more important than the juvenile justice system because the juveniles within the system are the future working class and citizens of America. Therefore, it is important that they receive the necessary punishment and rehabilitationRead MoreIncarceration Of Youth And Its Effects On Reducing Crime Essay1750 Words   |  7 PagesIncarceration of Youth The United States leads the world in the incarceration of young people, there are over 100,000 youth placed in jail each year. Locking up youth has shown very little positive impact on reducing crime. Incarcerating youth have posed greater problems such as expenses, limited education, lack of employment, and effect on juveniles’ mental and physical well-being. In today’s society there has been an increase in the crimes committed by juveniles. Most juveniles have underliningRead MoreThe High Incarceration Rate Of Juveniles1748 Words   |  7 PagesThe high incarceration rate of juveniles is a significant social problem that affects society as a whole as well as the youth’s individual welfare and developmental trajectory. Adolescents who are incarcerated in the juvenile justice system face a multitude of negative lifelong implications. The history of incarcerating youth in residential facilities such as juvenile halls, camps, ranches or group homes as a consequence for committing crimes has a deep-rooted history in the United States. â€Å"For moreRead MoreThe Total Effects Of Boot Camps That House Juveniles847 Words   |  4 PagesThe Total Effects of Boot Camps That House Juveniles: A Systematic Review of the Evidence. In the 1980s the first shock incarceration programs or boot camp was introduced for the adult’s correctional system. Since than it have rapidly grown, and widely adopted across the fields of corrections and juvenile justice. The attraction towards the shock incarceration program originated from the instinctive belief that military methods promote honorable behavior. However, for others, it is the effectRead MoreJunenile Justice System Should Focus on Rehabilitation Essay1729 Words   |  7 PagesJuvenile Justice System Should Focus on Rehabilitation University of Phoenix Juvenile Justice System Should Focus on Rehabilitation Rehabilitation over Punishment, why one is better or more effective than the other, in order to answer this questions one must understand what each means. Punishment is a consequence of doing something that is unacceptable, it is meant to be unpleasant, the problem with punishment is it does nothing to address the social or mental processes that maybe contributingRead MoreThe Juvenile Justice System Is Not Reflective Of Their National Population1612 Words   |  7 Pagesare roughly 79,000 adolescents held at juvenile facilities all across the United States (Sickmund Puzzanchera, 2014). Of that population, Latino and African American youth represent the majority of those in confinement. This is a problem because the overrepresentation of minorities within the juvenile justice system is not reflective of their national population percentages. Nationally, Latino and African American youth only comprise 38% of the total juvenile population combined, while CaucasianRead MoreSynthe sis Essay- Juvenile Incarceration Into Adult Prisons1414 Words   |  6 PagesBoettcher 10/21/15 Pd.3 Synthesis Essay- Juvenile Incarceration into Adult Prisons Childhood is a time in which memories are created, adventures are explored and social awareness begins to develop. The events that occur during childhood are pivotal in the development of a healthy and substantial life. However, what if those experiences were taken from a child? What would the outcome be if a child could not experience what it is like to be young? Juvenile incarceration strips a person of their childhoodRead MoreThe Criminal Justice System Is Complex1201 Words   |  5 PagesOverview: The criminal justice system is complex and in need of several types of reforms, this is especially true in the juvenile justice system. In 2012, there were 1,319,700 arrests of juveniles in the United States (OJJDP) and this includes both violent and non-violent offenses committed by those under the age of 18. Policy reforms can offer alternatives to the incarceration of young offenders, by providing mental health, or addiction rehabs for those that are in need of it rather than lockin gRead MoreJuvenile Sentencing974 Words   |  4 PagesJuvenile courts have a wide range of sentencing options (usually called disposition orders) that they can impose on juveniles or youth offenders who are found to be delinquent (that is, finding that the minor violated a criminal law). Typically, disposition options fall into two camps: incarceration and non-incarceration. One non-incarceration option in particular -- probation -- forms the backbone of the juvenile justice system. Read on to learn about the different kinds of sentencing optionsRead MoreCompare And Contrast Juvenile Delinquency Prevention979 Words   |  4 Pagesadolescents require a special system thru which be processed because they are â€Å"youth who are in a transitional stage of development†¦young offenders that are neither innocent children nor mature adults†¦Ã¢â‚¬  (Nelson, 2012). Because juveniles are in a process of constant development sociologically, psychologically and physiologically, th e juvenile court system focuses on alternative sentences and the creation of programs that will offer them rehabilitation instead of incarceration. However, in cases of extraordinary

Environmental Justice Is The Fair Treatment And...

Environmental Justice is the fair treatment and involvement of people of all races, national origin, or income regarding the construction, implementation, and enforcing of environmental regulations and policies (EPA). No single group of people should carry the full burden of pollution produced by industry or commercial operations in their vicinity. The discourse on environmental justice cannot proceed without mentioning environmental racism. According to the EPA, environmental racism is the targeting of non-white communities when locating harmful facilities, where racial minorities are not a part of the decision-making process. Environmental racism is one manifestation of environmental injustice reinforced by economic and political institutions (Bullard, 559). Above all, Environmental Justice has its roots in Warren County, North Carolina. In 1982, demonstrations by community members with the NAACP in Warren County opposed the decision to place a PCB landfill in an African American majority neighborhood. It resulted in over hundreds of arrests but put environmental justice on national headlines. Furthermore, the protests led the United Church of Christ to undertake a study entitled, â€Å"Toxic Wastes and Race in the United States†. This seminal study analyzed the connection between the placement of waste sites and race in the country. It found race to be the most confounding determinant in siting hazardous waste facilities in certain communities. Furthermore, the studyShow MoreRelatedKeystone Xl Pipeline Vs. Standing Rock Sioux Tribe Essay1307 Words   |  6 Pages Environmental Justice Case study: Keystone XL Pipeline vs. Standing Rock Sioux Tribe Introduction Throughout this paper I will try to prove that the proposed establishment of the Keystone XL Pipeline is a direct infringement upon the human rights of the Standing Rock Sioux Tribe of North and South Dakota. In order to make this claim I shall directly address three elements: First, the evidence of possible inequality of this situation, secondly the explanatory progress of how and why this situationRead MoreThe United States Environmental Protection Act1034 Words   |  5 PagesThe United States Environmental Protection Act (hereinafter referred to as EPA) defines environmental justice as ‘’the fair treatment and meaningful involvement of all people, regardless of race, colour, national origin or income with respect to the development, implementation and enforcement of environmental laws, regulations, and policies’’ (Bullard 2005, 4). Throughout the world, poor people and people of colour, who have the least political power and who are the most marginaliz ed, are selectivelyRead MoreEnvironmental Issues Of Environmental Justice1746 Words   |  7 PagesEnvironmental justice is a term coined in the United States that usually deals with two different things. One is the fair treatment and meaningful involvement of all people regardless of race, color, national origin, or income with respect to the development, implementation, and enforcement of environmental laws, regulations, and policies. The other is a mixed body of social science literature pertaining to anything from environmental laws to political ecology. Primarily based around the conceptRead MoreAnalysis Of The Clean Air Act ( Caa ) Essay845 Words   |  4 Pagesmeet federal air quality standards for 8-hour ozone and particle matter. 2. Environmental Air Quality Issue The Clean Air Act (CAA) was amended in 1990 to include the National Ambient Air Quality Standards (NAAQS) for pollutants considered harmful to public health and the environment (U.S. Environmental Protection Agency [EPA], 2014). Fairfax County and the DC metropolitan area are designated by the U.S. Environmental Protection Agency (EPA) as a moderate non-attainment area for the eight-hourRead MoreHow Asthma Fit Into The Healthy People 20201170 Words   |  5 PagesIn people with asthma, their airway becomes constricted with swelling and excessive mucous. This constriction or narrowing of the airway makes it difficult for the person with asthma to breath (Massachusetts Department of Public Health, 2009). If asthma is left uncontrolled, it leads to further wheezing, coughing, shortness of breath, tiredness, and stress. (Massachusetts Department of Public Health, 2009). How does asthma fit into the Healthy People 2020? As it is stated in Health People 2020Read MoreEnvironmental Sociology And The Environmental Justice Movement1618 Words   |  7 PagesEnvironmental sociology began to emerge in conjunction with the environmental justice movement. Environmental sociology can be defined as the study of how human societies interact with their environment. One important individual, Dr. Robert Bullard, acted as a key person throughout the environmental justice movement. He served as a technical advisor on civil right lawsuits and is now a professor at Texas Southern University. Because of his research dedicated to environmental issues pertaining theRead MoreA Brief Note On Environmental Racism Of Los Angeles1623 Words   |  7 PagesMihaela D. Vincze 07/15/15 Davidson Geog 350 Environmental Racism in Los Angeles Racism consists of philosophies and ideologies that aim to cause the unequal distribution of privileges, goods or rights amongst different racial groups. Our society’s forebearers planted the seeds of discrimination into our consciousness, as racism stems back into the middle ages. Many of our citizens are classified as second class, being disadvantaged in areas that other citizens are not. There is not a senseRead MoreEnvironmental Justice Is The Fair Treatment1671 Words   |  7 Pages Everything about environmental justice is supposed to give the environment and the world the treatment it deserves, people have spent a lifetime trashing it with pollutants, smog, and cutting down its trees, but at the same time the people who live on the Earth have been treated with injustice as well, â€Å"Environmental justice is the fair treatment and meaningful involvement of all people regardless of race, color, national origin, or income, with respect to the development, implementat ion, and enforcementRead MoreA Cleaner Community2064 Words   |  9 Pagesin environmental practices, such as growing human population, increased natural resource consumption, and the effluent discharges of manufacturing. These factors have resulted in a significant negative impact on world ecosystems (Dietz, Ostrom, and Stern 1907). What ties social equity and environmental stewardship together is the definition of environmental justice. Environmental justice is defined by the Environmental Protection Agency (EPA) as â€Å"the fair treatment and meaningful involvement of allRead MoreReview : On Working Class Environmentalism : A Historical And Transnational Overview Essay1859 Words   |  8 Pagesof environmental Justice in US and Brazil, in regards to the problem of the working class struggle in promoting Environmental Justice. In here, I believe that the Environmental Justice will be achieved if the government concern more into the welfare of the society, especially the workin g class. The actions should be taken to ensure that the interest of several stakeholders will not disadvantage the environment and the life of other people (working class). The problem of Environmental Justice itself

The Morality And Social Ethics - 1331 Words

Modest Ambiguity The Afterlife, a concept almost controversial enough we ought to legalize the option to transcend after death (just incase). The belief in an afterlife makes not only scientific but also idealistic sense. Though there are many different versions of the after life, this author supports re-incarnation from a Buddhist perspective. The belief of an afterlife is incredibly important to the human psych. Living with the belief of an impending death and after life that relies on your actions in this lifetime keeps people’s morality and social ethics at their highest not to mention providing many with hope and meaning in life. Without an afterlife, there is no point in being a good person, other than for self-fulfillment, or even living at all. From a scientific perspective there are several different â€Å"experiences† of the afterlife that people have. These experiences are classified as Verdical NDE’S (vertical near death experiences), Peak in the Dari en, Mediumship, and death bed phenomena. While Verdical NDE’S are the most commonly experienced they are also the most easily explained. As Greg Taylor says â€Å"†¦the heavenly visions of the NDE to be simply hallucinations brought on by the various physical and psychological burdens put on the brain by its imminent demise†. Anyone not familiar with the Verdical NDE phenomena, an adequate example would be Eben Alexander’s experience. Eben Alexander is a neurosurgeon, whom I might add is still practicing,Show MoreRelatedEssay on The Death Penalty:Social Ethics: Morality and Social Policy1737 Words   |  7 Pagesonly be rational and just to offer aid to the innocent than â€Å"to those who are guilty of squandering aid† (Mappes, Zembaty, and DeGrazia 141). Works Cited Mappes, Thomas A., Jane S. Zembaty, and David DeGrazia. The Death Penalty. Social Ethics: Morality and Social Policy. 8th ed. New York: McGraw-Hill, 2012. 105-53. Print. Read MoreThe Ethical Concepts Of Kantian Ethics Essay1043 Words   |  5 PagesMorality in Reasons, not Consequences Introduction The philosophy of Kant has become a turning point in the development of the Western thinking and worldview. His innovative and progressive ideas have strongly contributed to the formation of a new paradigm of the universe and role of humans in it. A great role in Kant’s studies belongs to the analysis of ethics, morality and law as the main regulators of the human behavior in the society Kant is known as the founder of the deontological ethics (Kantianism)Read MoreEthics : Ethics And Morality1476 Words   |  6 Pagesuniversal on ethics and morality. Ethics among different cultures is so vast, even though every culture does have a standard for ethics which they live by. Although ethics is a broad human universal, there is no specific universal ethic. Each world religion holds a different ethic as their highest ethic; it is always a case by case basis. Theory: Ethics serve as an adaptive function in modern environment, more than ever. As society evolves, the standard of ethics also increases. Ethics is a traitRead MoreHenry : What Are You Doing? Essay976 Words   |  4 Pagesdifference between ethic and morality. This matter has been bothering me and I want to know your view about it. Henry: Socrates do you think there is any difference between ethics and morality? Socrates: Yes, but it seems the same to me my dear friend. Henry: â€Å"The most common way of defining ethics are norms for conduct that distinguish between acceptable and unacceptable behavior (Resnik, 2015).† It is doing unto others what you want them to do to you. It is the principle that guides morality. It helpsRead MoreEvolution Of Society s Social Values925 Words   |  4 PagesMoral Decline â€Å"†¦Any animal whatever, endowed with well-marked social instincts, would inevitably acquire a moral sense or conscience, as soon as its intellectual powers had become as well developed†¦Ã¢â‚¬  (Wiker). Ten million years ago, the first single cell organism was formed and millions of years later it evolved into a complex, multi-cellular organism. Evolution is one of Man’s greatest assets; it has enabled us to survive the harshest environments and provided us with the abilities to beat theRead MoreEthics: Moral Absolutes Essay1180 Words   |  5 PagesEthics 3.1 1. Why are Christian ethics and theology inseparable? What did Francis Schaeffer mean when he said that not all things are the same to God? Christian ethics is inseparable from theology because it is grounded in the character of God. Francis Schaeffer said that not all things are the same to God and means that God exists and has a character, but not all things are the same to him. Some things conform to His character, and some are opposed to his character. 2. What did Schaeffer concludeRead MoreThe Ethics Of Confucian Business Ethics1172 Words   |  5 PagesEDMP: An Analysis in Support of Confucian Business Ethics in Harmony of the Business Environment (160)Issue: The one question brought forth by Lagan (2006) is the conflict between harmony in the business environment and the competition of capitalistic markets in the ethical debate on the efficacy of Confucian business ethics. Lagan’s (2006) case study effectively defines the overarching harmony of universal mandates defined by Confucius, which argued against the pro-capitalist interpretationsRead MoreEthics And Principles Of Ethics991 Words   |  4 Pages Ethics is a system basic moral principals and concepts of civilized human conduct. it helps us develop ideas about what is moral, right from wrong and dictates of conscience. Ethics also helps to distinguish between honest and dishonest characteristics in people. In business, ethics is something that is essential to one’s moral compass. It is something that is taught through the child rearing process and into a child’s formative years. Ethics requires knowledge. Fundamentally this suggests thatRead MoreReligion And Morality On The Hunt Of Finding The Author Of What We Know As Social Norms952 Words   |  4 PagesGod as Author of Morality There is always controversy around when we bring any topic related to religion to the table and it is not different when we talk about morality. This paper will explore the controversial side that plays religion and morality in the hunt of finding the author of what we know as social norms. In this philosophy paper, we will discuss the origin and evolution of the Divine Command Theory and we will analyze an objections against this theory cited by Plato (Atenas, 427 - 347Read MoreAmerican Culture : The People s Way Of Life Essay1747 Words   |  7 Pagesstruggles with ethics and morality. Evidence suggests that the American culture somewhat favors the members who are well placed within it and ignores those, the lower class. The problem of segregating people in according to their status looks like a global phenomenon and seems normal. It somehow appears like society is naturally kinder to the â€Å"haves† than the â€Å"have-nots†. American culture shows that the more st ake a person has in this culture the less he or she cares about ethics and morality. And the

Commercial Banking Real Interest Rates

Question: Discuss about theCommercial Bankingfor Real Interest Rates. Answer: Evaluating the Interest Sensitivity Report and Depicting its Shortcomings: The evaluation of interest rate sensitivity report of Keystone National bank mainly states the difference in interest change of the assets and liabilities conducted by the company. In addition, the duration of interest rate gap mainly analyses the difference in asset and liabilities for different time group. In this context, Moessner, de Jansen (2014) mentioned that interest sensitivity report is mainly helpful in detecting the overall change in gap between assets and liabilities accumulated by the company. In addition, Keystone National Bank for has effectively depicted their sensitivity report regarding the excess accumulation of liabilities that is been conducted from the duration of 8 to 365 days. However, the bank has accumulated higher assets in the end. Choi, Richardson Whitelaw (2016) stated that change in interest rate accumulation could effectively help the investors in determining the authenticity of the banks profitability and market value equity. In addition, the evaluation of interest rate sensitivity report mainly depicted that the objectivity of maximising the interest income is not achieved by the bank. Furthermore, the cumulative GAP as percent of assets is relatively negative, which is in turn decrease the overall asset accumulation of the company. In addition, the time bucket depicted in exhibit report mainly portrays that 7-18 as period has positive gap. However, the other time series have a negative interest rate sensitivity gap, which indicates that a fall in interest rates could help the company to achieve higher profits. In this context, Janssen Morhs (2015) mentioned that most of the gap analyst fails to detect the variability in interest and non-interest revenue or expenses, which reduce the valuation of interest sensitivity risk. However, Swanson Williams (2014) argued that the gap analysis mainly omits the spreads that could come from market interest rate changes. Providing Effective Recommendations to Keystone National Bank for Improving their Earnings Performance and Financial Strength: The overall satiation that is been depicted in the exhibit 6 mainly indicates the rinsing loan demand is currently possible and a decrees in interest rate could be considered. This rising demand in loans and decrease in short-term interest rate payment might mainly have a positive effect for Keystone National Bank. Trujillo (2013) stated that banks with the help of declining short-term interest rates are able to generate higher income from long-term loan. On the contrary, Dell?Ariccia, Laeven Marquez (2014) criticises that during an economic crises the overall demand for loans decreases, which in turn hamper the revenue generation capacity of the company. Improvement in Income: The rising demand from loans among potential business could be accumulated by Keystone National Bank, which in turn might help in improving the overall revenue. In addition, the long-term loans that have high interest rates could be provided to electronics, automotive, accessories manufacturing and building material companies. In addition, the recession that might incur in short term could help in reducing the funding cost of the company. Increased Accumulation of Loans: Furthermore, the increased demand of loans, which might be generated from business, could help the company to gather high interest yielding loans. In addition, during the recession period the company might gather short-term loans at low interest rate and provide long-term loans to business are higher long-term interest rate. The accumulation of loan based on this strategy could help Keystone national bank to improve their overall financial position and in generate higher revenue. In addition, the competitive deposit rate, which could also help in high cash accumulation that might be conducted by the company. Furthermore, the accusation that is been done in the recession period will only be conducted on low deposit rate, which might help the company to reduce its overall cost of financing and improve its expense structure. Moreover, the fall in 200 basis point of short-term interest rate and an increase in only 100 or 50 basis points could help the company in gathering capital in short term interest rates. However, the main operations of the bank are to borrow capital in short term basis and lend it on long-term basis. Thus, the rising loans demand and recession augmentations could help the company in borrowing the required capital in short-term low interest rate. Moreover, the gathered capital might effectively be lent to the business, which require fund on long-term high interest rate basis. This structure might mainly help the company to improve the financial position and in turn reduce its overall expenditure on capital accumulation. Reference: Choi, J., Richardson, M. P., Whitelaw, R. (2016). On the Interest Rate Sensitivity of Corporate Securities: Implications at the Firm and Index Level. Dell?Ariccia, G., Laeven, L., Marquez, R. (2014). Real interest rates, leverage, and bank risk-taking.Journal of Economic Theory,149, 65-99. Janssen, R., Morhs, R. (2015).The interest rate sensitivity of Luxembourg bond funds: results from a time-varying model(No. 98). Central Bank of Luxembourg. Moessner, R., de Haan, J., Jansen, D. J. (2014). The effect of the zero lower bound, forward guidance and unconventional monetary policy on interest rate sensitivity to economic news in Sweden. Swanson, E. T., Williams, J. C. (2014). Measuring the effect of the zero lower bound on medium-and longer-term interest rates.The American Economic Review,104(10), 3154-3185. Trujillo-Ponce, A. (2013). What determines the profitability of banks? Evidence from Spain.Accounting Finance,53(2), 561-586.

The Sharpe Ratio and the Information Ratio Essay Example

The Sharpe Ratio and the Information Ratio Essay The article, â€Å"The Sharpe Ratio and the Information Ratio†, by Deborah Kidd is about the original risk-adjusted performance measure and they are Sharpe ratio and the Information Ratio. William Sharpe designed the first performance metric to insolate excess return per unit of total risk taken. The Sharpe ratio shows whether a portfolios returns  are due to smart investment decisions or a result of excess risk. The Sharpe ratio measure dividends average portfolio excess return over the sample period by the standard deviation of returns over that period. It measures the reward to volatility trade-off. The Information Ratio is a ratio of portfolio returns  above the  returns  of a benchmark to the volatility of those returns. The information ratio divides the alpha of the portfolio by the nonsystematic risk of the portfolio. It measures abnormal return per unit of risk that in principle could be diversified away by holding a market index portfolio. There are two key points that the author was communicating to its’ readers. The first key point relates to the advantages and disadvantages of the Shape ratio. The second key point relates to the advantages and disadvantages of the Information Ratio. The first key point is the advantages and disadvantages of the Sharpe ratio. A disadvantage of the Sharpe is that it is expressed as a raw number and the higher the Sharpe ratio is the better. Another disadvantage is that the Sharpe ratio only uses standard deviation when calculating the risk. So it would be awkward when calculating the Ratio for asymmetric returns. Another disadvantages of Sharpe’s ratio is that Sharpe ratio should not be used as a measure to compare portfolios because when there is a negative Sharpe ratio the risk increases. We will write a custom essay sample on The Sharpe Ratio and the Information Ratio specifically for you for only $16.38 $13.9/page Order now We will write a custom essay sample on The Sharpe Ratio and the Information Ratio specifically for you FOR ONLY $16.38 $13.9/page Hire Writer We will write a custom essay sample on The Sharpe Ratio and the Information Ratio specifically for you FOR ONLY $16.38 $13.9/page Hire Writer An advantage of the Sharpe ratio is that it can be easily calculated without needing any additional data regarding the asset’s profitability. Another advantage is that people can tell the returns without any extra information about the source of profitability. Kidd stated, â€Å"The Sharpe ratio is the industry standard for measuring risk adjusted returns†, (Kidd, p. 3, 2011). This means that the Sharpe ratio is used to evaluate the performance of a portfolio. The second key point is the advantages and disadvantages of the Information ratio. An advantage of an Information ratio is that it measures the extra return people can obtain from security analysis compared to the firm specific risk. Another advantage is that information ratio’s are best used for measuring active managers against a passive benchmark. A disadvantage of the Information ratio is that it does not necessarily provide consistent assessments of performances. Another disadvantage is that information ratios can evaluate portfolios with normal expected return, but do not apply to such asymmetric return strategies. Kidd says, â€Å"The information ratios is often referred to as a variation or generalized version of the Sharpe ratio† (Kidd, p. 2, 2011), which means they are similar, but the Information ratios branches off. That is because information ratio has been doing better than stocks on a risk-adjusted basis on higher return. When used correctly, the Sharpe ratio and the information ratio can be valuable tools. These ratios are most useful for evaluating portfolios with normal expected return distributions, (Kidd, 2011). However, these ratios could potentially be misleading if used naively. Both the Sharpe ratio and the Information ratio, does not take into account dynamic correlations between asset classes. As it relates to investors, it is important for them to be mindful that long periods may increase a portfolio’s Sharpe ratio due to lower volatility for long periods. As far as the information ratios, they are based on longer periods, which results for them being more valuable because they are persistent in manager skill. References Kidd, D. (2011). The sharpe ratio and the information ratio. Investment Performance Measurement, 1-3.

The Relevance of Journal Articles in the Management of Organizations

The Relevance of Journal Articles in the Management of Organizations Introduction Studies are very significant for the development of any organization. Articles published in journals are usually excellent on organizational development. Scholarly articles in journals usually are as a result of rigorous research carried out. Such articles bring to light emerging issues and offers solutions to such issues and therefore they are very relevant in the management of organizations. This paper will briefly discuss the relevance of journal articles in the management of organizations.Advertising We will write a custom essay sample on The Relevance of Journal Articles in the Management of Organizations specifically for you for only $16.05 $11/page Learn More Information is Power An old saying claims that information is power. This is very true of journal articles as they can be viewed as an empowerment to organizations. It is worth noting that journal article goes through rigorous process before being approved for publishing. Their authe nticity is proved before being accepted. It is worth noting that the authors of journal article are authorities in the field that they write about and therefore they are usually well versed with the relevant and current knowledge on whatever topic they write about. In most cases journal article will an emerging issue in a particular industry (Cofrin 2010, p. 1). According to the editor of Academy of Management Journals Ireland (2010), the following are the characteristics that qualify the publishing of an article in the journal: â€Å"theory, literature review, method, integration, contribution, and citations† (Ireland 2010, p. 1). Theory A reviewed journal article is one which positively answers the following questions, â€Å"Does the paper test, create, or extend management theory in a meaningful way? Does the study inform or improve our understanding of prior theory? Are major concepts clearly defined?† (Ireland 2010, p. 1) Management theories are meant for the mana gement of organizations and therefore anything which will make the concept clear and relevant will imply enhance better management of organizations. Literature Review For an article to qualify for review it has to have used the correct literature in arriving at its arguments. This ensures that the arguments made and evidence cited can be relied on by the readers. Reliable information is of great significance especially if the concepts argued therein are to be put into practical application. By ensuring that such information is reliable the articles can then be used as managerial guides. Methodology A reviewed article is one that ensures the following questions are answered satisfactorily, Do the sample, measures, methods, observations, procedures, and statistical analyses ensure internal and external validity? Are the statistical procedures used correctly and appropriately? Are the major assumptions of the statistical techniques reasonably well met (i.e., no major violations)? (Irel and, 2010, p. 1)Advertising Looking for essay on business economics? Let's see if we can help you! Get your first paper with 15% OFF Learn More The review team ensures that the correct methodology is used as a precautionary measure in ensuring that the arguments made are sound and relevant. Proper methodology is significant for the purpose of reliability. Integration and Contribution A reviewed article is one that provides â€Å"a new and meaningful contribution to the management literature in terms of theory, empirical knowledge, and management practice† (Ireland, 2010, p. 1). it is also noted that a reviewed article â€Å"makes a new and meaningful contribution to the management literature in terms of theory, empirical knowledge, and management practice† (Ireland, 2010, p. 1). Integration and contribution therefore beyond any doubt makes an article quite relevant for application in the real world of organizations. It is also worth noting that the articles in journals usually try to solve real problems which touch on real life problems (Richard and Arie, 2008, p. 1). Conclusion Reviewed articles take a lot of measures to prepare. They are specific and relevant to the world of organizations as they tackle real problems that arise from the management of these organizations. The researches carried out when these articles are being written are based on the issues touching on the organizations. Therefore it is very correct to claim that reviewed articles are very relevant for use in organizations. References Cofrin, D. (2010). Street Gangs in America. Cofrin Library. Web. Ireland, D. (2010). Important-Attention AMJ reviewers. Academy Management Journal. Web. Richard, D and Arie, L. (2008). Rigor and relevance in organization studies: idea migration and academic journal evolution. HighBeam Business. Web.Advertising We will write a custom essay sample on The Relevance of Journal Articles in the Management of Organizatio ns specifically for you for only $16.05 $11/page Learn More Appendix The following articles were the award winning articles as per the vetting of the Academy of Journal Management Team. List of Articles 2008 Michael L. Barnett and Andrew A. King. â€Å"Good Fences Make Good Neighbors: A Longitudinal Analysis of an Industry Self-Regulatory Institution.† 51(6): 1150-1170. 2007 Donde Ashmos Plowman, Lakami T. Baker, Tammy E. Beck, Mukta Kulkarni, Stephanie Thomas Solansky and Deandra Villarreal Travis. Radical Change Accidentally: The Emergence and Amplification of Small Change. 50(3): 515-543. 2006 Royston Greenwood Roy Suddaby. Institutional Entrepreneurship in Mature Fields: The Big Five Accounting Firms. 49(1): 27-48. 2005 Ewan Ferlie, Louise Fitzgerald, Martin Wood Chris Hawkins. The Nonspread of Innovations: The Mediating Role of Professionals. 48(1): 117-134. Clark G. Gilbert. Unbundling the Structure of Inertia: Resource versus Routine Rigidity. 48(5 ): 741-763. 2004 Rajshree Agarwal, Raj Echambadi, April Franco and MB Sarkar, Knowledge Transfer through Inheritance: Spin-out Generation, Development, and Survival. 47(4): 501 522. 2003 Kimberly D. Elsbach and Roderick M. Kramer, Assessing Creativity in Hollywood Pitch Meetings: Evidence for a Dual-Process Model of Creativity Judgments. 46(3): 283-301.Advertising Looking for essay on business economics? Let's see if we can help you! Get your first paper with 15% OFF Learn More 2002 Peter Sherer and Kyungmook Lee, Institutional Change in Large Law Firms: A Resource Dependency and Institutional Perspective, 45(1): 102-119. 2001 Scott E. Seibert, Maria L. Kraimer, and Robert C. Liden, A Social Capital Theory of Career Success, 44(2): 219-237 . 2000 Shaker A. Zahra, R. Duane Ireland, and Michael A. Hitt, International Expansion by New Venture Firms: International Diversity, Model of Market Entry, Technological Learning, and Performance, 43(5): 925-950. 1999 Walter J. Ferrier, Ken G. Smith, and Curtis M. Grimm,   The Role of Competitive Action in Market Share Erosion and Industry Dethronement: A Study of Industry Leaders and Challengers, 42(4): 372-388. 1998 Harry G Barkema and Freek Vermeulen, International Expansion through Start-up or Acquisition:   A Learning Perspective, 41(1): 7-26 1997 Anne S. Tsui, Jone L. Pearce, Lyman W. Porter, and Angela M. Tripoli, Alternative Approaches to the Employee-Organization Relationship: Does Investment in Employees P ay Off? 40(5): 1089-1121 1996 Danny Miller and Jamal Shamsie, The Resource-Based View Of The Firm In Two Environments : The Hollywood Film Studios From 1936 To 1965, 39(3): 519-543. 1995 Mark Huselid, The Impact of Human Resource Management Practices on Turnover, Productivity, and Corporate Financial Performance, 38(3): 635-672. 1994 Eric Abrahamson and Choelsoon Park, Concealment of Negative Organizational Outcomes: An Agency Theory Perspective, 37(5): 1302-1334. 1993 D. Harold Doty, William H. Glick, and George P. Huber, Fit Equifinality, and Organizational Effectiveness: A Test of Two Configurational Theories, 36(6): 1196-1250. 1992 Luis R. Gomez-Mejia and David B. Balkin, Determinants of Faculty Pay: An Agency Theory Perspective, 35(5): 921-955. 1991 Jane E. Dutton and Janet M. Dukerich, Keeping an Eye on the Mirror : Image and Identity in Organizational Adaptation, 34(3): 517-554. 1990 Lynn A. Isabella, Evolving Interpretation as a Change Unfolds: How Managers Construe Key Or ganizational Events, 33(1): 7-41.

Reuseable bag Essay Example | Topics and Well Written Essays - 750 words

Reuseable bag - Essay Example The children also helped me distribute the bags so that reduced the amount of emissions created by machines and automobiles normally used in these processes. To further my attempt to convey the concept that we need to take better care of our environment, I used a poem by Chika Ogbonna to help decorate the bag and provide a marketing theme for my project. The poem is called â€Å"The Land is Green† and it talks all about the importance of taking care of the earth. Through the entire poem, this Chinese poet talks about the importance of remaining focused on the idea that the land is green, before any colors of political affiliation come into play. We need to stop worrying about politics and just start taking care of what’s really important, the green that feeds us all – the plants we eat as well as the animals that fulfill the rest of our energy needs. I felt the poem was very appropriate for this project because I wanted to emphasize that every stage of the process, including the product and its disposal needed to be conscious of how it affected the earth and try to take care of it. The way I used this poem was to pri nt lines from it, particularly the ones that talk about the color and idea of ‘green’ living, on the bags. It was important that I used a Chinese poet for this project because I planned to distribute my reusable bags among a mostly Chinese population. When my bags were ready for distribution, myself and the children went to Chinatown in San Francisco to distribute them in shopping areas where people usually used plastic. There were many reasons why I choose this as an appropriate distribution point. The first factor for this choice was that it was possible for me to get here without the burning of fossil fuels by using the city’s electric transportation channels. This was an important aspect of

Trade commission Essay Example | Topics and Well Written Essays - 1000 words

Trade commission - Essay Example Mr. Clark is tied down by his Ph.D. studies. His quality time given to accomplish assigned tasks is reduced. Further, Mr. Clark has trouble prioritizing his job responsibilities. Mr. Clark prioritizes the Economics seminars over his responsibility in the company. He prioritizes making and attending arrangement of the Economists’ Association. Consequently, he cancels meetings with the Consul-General. Mr. Clark should be held accountable for his actions. Delegation does not absolve Mr. Clark of his responsibilities, as superior (Rees & Porter 116). Mr. Clark does not resolve Mr. Allen’s overburdened job responsibilities. One reason for the excess job responsibilities is Mr. Allen’s marriage to a local resident. Mr. Allen’s expertise in the local language gives Mr. Allen an added advantage. Because of Mr. Allen’s mastery of the local language, Mr. Clark assigns Mr. Allen to handle all local enquiries. Consequently, Mr. Allen communicates and enters int o agreements with all business contacts. Further, Mr. Allen helps Mr. Briggs craft reports to the Ministry of Commerce, during the first few months of Mr. Briggs arrival in the country. Mr. Clark should be made accountable for the effects of Mr. Allen’s overburdened responsibilities. Mr. Allen’s work overload results to delays and poor quality work outputs. Mr. Allen actually handled Mr. Briggs’ work, a new employee. Mr. ... Many very important persons and businessmen with significant relationships were invited. However, the original list of visitors was reduced from 50 to 30 invited guests. Miscommunication will trigger dissent among peers. Second, Mr. Clark should be made accountable for not involving his assistants in the transfer design of the whole government office (including the Consul-General’s staff) to a modern commercial building. When Mr. Clark was away for a two-week holiday, nobody could follow up important business matters because neither Mr. Allen nor Mr. Briggs knew what kind of wood and carpet colour Mr. Clark preferred. Consequently, the office decoration work was stopped until Mr. Clark returned for work. Third, Mr. Clark should be made accountable for the confusion cropping up regarding the use of the company’s official car. The Commission has a Mercedes Benz, which both Mr. Allen and Mr. Briggs is also entitled to use. However, Mr. Clark likes to ask the driver to wait for him at l0.00 am every day where Mr. Clark resides. This meant that either the Assistant Trade Commissioners also have to wait inside the official car for him or they have to proceed to the Commission by other means of transport. Both Mr. Allen and Mr. Briggs felt that they were refused some of their entitled benefits. Further, Mr. Clark must be accountable for abuse of official time. Mr. Clark wrongly prioritised the Minister’s needs over official needs. When the Minister’s family visited the city, Mr. Clark put aside his work. He spent two days accompanying them shopping around. Occasionally, when Mr. Briggs calculated the balance of the Commission’s account, he found that Mr. Clark had bought meals for his friends and family and debited

Case study of alzheimers disease

Case study of alzheimers disease My first administrative position in mental health was working on a Geriatric Psychiatric unit of the local hospital. Many of the patients were elderly patients with Alzheimers. This was my first experience with Alzheimers disease and the effects it has on their families. Alzheimers is the most common type of dementia and is incurable, degenerative, and terminal (Wikipedia) . Symptoms of Alzheimers begin slowly and become worse until they interfere with daily life and patients are unable to even carry on conversations. Families become caregivers for their loved ones who dont know who they are any more. The prognosis is not good for patients afflicted with this type of dementia but researchers continue to look for new treatments and possible preventions. A few of the Alzheimers patients I worked with on the Geriatric unit are very memorable. There was a gentleman who was in the moderate to severe stage of the disease. His job for most of his life was that of a hospital administrator. M y office door was always open and some patients would wonder in time and again. My office must have triggered something in him because he would come in and need to sign papers. He would sit in my office for hours and sign papers. Another patient was a woman who had 12 children. She was always wondering the unit looking for her babies. The nurses bought her a baby doll and she carried it everywhere and it also calmed her down. Another aspect of Alzheimers is sundowners syndrome. Many of the Alzheimers patients would start to get agitated between 4:00 and 5:00 p.m. They would become more aggressive, oppositional and agitated. Sundowners syndrome is an increased time of memory loss, confusion, agitation, and even anger. For family members who care for Alzheimers patients, witnessing an increase in their loved ones symptoms of dementia at sunset can be nothing short of troubling, if not also painful, frightening, and exhausting (Sundowners Syndrome). Alzheimers is not a new disease. Alz heimers was first described by German psychiatrist and neuropathologist Alois Alzheimer in 1906. In 1901, Alzheimer observed a patient at the Frankfurt Asylum named Mrs. Auguste Deter. The 51-year-old patient had strange behavioral symptoms, including a loss of short-term memory. This patient would become his obsession over the coming years. In April 1906, Mrs. Deter died and Alzheimer had the patient records and the brain brought to Munich where he was working at Kraepelins lab. Together with two Italian physicians, he would use the staining techniques to identify amyloid plaques and neurofibrillary tangles (Wikipedia). Amyloid plagues are extracellular deposits that consist of a dense core of a protein known as B-amyloid, surrounded by degenerating axons and dendrites, along with activated microglia and reactive astrocytes, cells that are involved in destruction of damaged cells. Neurofibrillary tangles consist of dying neurons that contain intracellular accumulations of twisted f ilaments of hyperphosphorylated tau protein (Carlson, 2008). These abnormal structures are also found in brains of patients with Down syndrome. Unlike Down syndrome, Alzheimers is a progressive degenerative disease that gradually destroys a persons memory and daily functioning. Currently Alzheimers is diagnosed by symptoms, and only confirmed by brain examination after death. There are warning sides of Alzheimers disease that include memory loss that disrupts daily life. Challenges in planning or solving problems when there were no problems before. Difficulty completing familiar tasks or leisure activities they a person used to do. Confusion with time and place, which is what most people know about Alzheimers. This is when family members forget where they are going or days of activities. Trouble understanding visual images and spatial relationships or new problems with words speaking or writing. Misplacing things and the inability to retrace steps. Decreased or poor judgment and wit hdrawal from work and social activities. Changes in mood and personality, which is another warning sign that most people are also familiar with from media, etc. Grandma turns from sweet to irritable (Stages and Warning Signs of Alzheimers). The Alzheimers Association is a strong national organization that supports and funds Alzheimers research. Their website has a vast amount of information on symptoms, treatment, prevention and research of this disease. Taken from their website there are seven stages of Alzheimers. They include: Stage 1 where there is no impairment. Stage 2 there is very mild decline. Stage three there is mild decline. Stage four there is moderate decline. Stage five there is moderately severe decline and stage six and stage seven there is severe decline and very severe decline (Stages and Warning Signs of Alzheimers). The current major treatment for Alzheimers is medication management and each stage of Alzheimers requires a different medication. Mild to moderate A lzheimers is treated with cholinesterase inhibitors. These types of medications are prescribed because they may help delay or prevent the symptoms from becoming worse for a time and also help manage behaviors. The medications include: Razadyne (galantamine), Exelon (rivastigmine), and Aricept (donepezil). Another drug, Cognex (tacrine), was the first approved cholinesterase inhibitor but is rarely prescribed today due to safety concerns (Alzheimers Disease Medications Fact Sheet, 2010). Most people have heard of Aricept because is used often and advertised on the media more so than others. Moderate to severe Alzheimers is treated with a drug that regulates glutamate, an important brain chemical. The medication known as Namenda (memantine), an N-methyl D-aspartate (NMDA) antagonist. Aricept has also been approved by the FDA to treat moderate to severe Alzheimers. These drugs main effect is to delay progression of some of the symptoms and they may allow patients to maintain certain da ily functions a little longer than they would without the medication. The medication may help a patient in the later stages of the disease maintain his or her ability to use the bathroom independently for several more months, a benefit for both patients and caregivers (Alzheimers Disease Medications Fact Sheet, 2010). There is research going on to provide diagnosis by a simple blood test, this was reported by American researchers just last month. Also, other researchers have shown spinal fluid tests, which require a spinal tap, can detect early changes that signal the onset of Alzheimers. Imaging companies such as privately held Avid Radiopharmaceuticals, General Electrics GE Healthcare and Germanys Bayer are racing to finish clinical trials on new agents that can make brain lesions called plaques visible on positron emission tomography or PET scanners (Anonymous, 2010). Researchers also are looking at any possible prevention or slow down of the disease. Currently at Rush University is leading a nationwide clinical trial of a nutritional drink to determine whether it can improve cognitive performance in people with mild to moderate Alzheimers. The study follows recently released results from an earlier trial conducted in Europe showing that the drink, called Souvenaid, improved verbal recall in people with mild disease who were followed for three months (Anonymous., 2010). Alzheimers affects approximately 10 percent of the population above the age of 65 and almost 50 percent of people over the age of 85 years (Carlson, 2008). The number of Americans age 65 and older who have this condition will increase from the 5.1 million today to 13.5 million by mid-century. A recent report from the Alzheimers Association states that the cost of Alzheimers to the United States will be $20 trillion over the next 40 years. Changing the Trajectory of Alzheimers Disease: A National Imperative shows that in the absence of disease-modifying treatments, the cumulative costs of car e for people with Alzheimers from 2010 to 2050 will exceed $20 trillion, in todays dollars (Report: Alzheimers disease to cost United States $20 trillion over next 40 years, 2010). Statistics taken from the Alzheimers Association break it down as follows; Alzheimers disease costs business $24.6 billion in health care. In the US 7 out of 10 people with Alzheimers live at home where 75% of costs are absorbed by the family. The remaining 25% of care costs cost an average $19,000 a year. It is estimated that Alzheimers caregivers cost business $36.5 billion. This includes the costs of absenteeism and lost productivity. The average cost of a nursing home in the US is $42,000 a year. However in some areas those costs can be at least $70,000. Medicare costs for beneficiaries with Alzheimers disease were $91 billion in 2005. Medicare costs are expected to increase by 75% to $160 billion in 2010. Medicaid expenditures on residential dementia care were $21 billion in 2005. These costs are est imated to rise by 14% to $24 billion in 2010( (Kennard, 2010). The stress of caregivers for loved ones with Alzheimers is high. The frustration and challenges of caring for an adult who no longer complies with reasonable requests is a daily consequence of a loved one with Alzheimers. There are many support groups and resources for caregivers. Some tips for managing an Alzheimers patient is to have patience, be flexible, reduce frustration, reduce choices, reduce distractions to create a safe environment (Research, 1998-2010). Patience and flexibility are easy to figure out. Patience because a patient with Alzheimers will be oppositional at times, will not know their caregiver at times as well as not remember family members. The Alzheimer patients mood and reactions to daily tasks will change sometimes daily as the disease progresses. Flexibility with caring for Alzheimers patients is tied into their changing needs and abilities from day to day. Reducing frustration, choices and dist ractions would be like raising a toddler. Not too many choices or distractions for them to be overwhelmed with. A safe environment is pretty clear and we hear about Alzheimers patients wandering off reported on the news more often. Alzheimers patients who have been left in an unsecured house or got into a unlocked car. Doors should always be locked so the Alzheimers patient is unable open or figure out how to open. The car is easy to figure out, keep it locked! Take the car keys are keep them on you or hidden. There was a poem on the Geriatric unit wall where I worked. The author is unknown and it is taken from Coach Frank Broyles Playbook for Alzheimers Caregivers. The poem is a good reminder of what Alzheimers is all about and a good conclusion to this report. Do not ask me to remember. Dont try to make me understand. Let me rest and know youre with me. Kiss my cheek and hold my hand. Im confused beyond your concept. I am sad and sick and lost. All I know is that I need you, to be with me at all cost. Do not lose your patience with me. Do not scold or curse or cry. I cant help the way Im acting, cant be different though I try. Just remember that I need you, that the best of me is gone. Please dont fail to stand beside me, love me till my life is done.

Family Structure in Eating Disorders Essay -- Relationships Health Pap

Family Structure in Eating Disorders We are all genetically and socially affected by our families. Families serve as the matrix of our identity. It is through interactions within the family that we develop a sense of who we are and how we fit in (Minuchin, Rosman & Baker, 1978). Parents serve as role models, providing examples for attitudes, coping skills, and eating habits, as well as setting standards for perfection, ambition and acceptance (Hall & Cohn, 1992). Many researchers claim that family dynamics are at the root of eating disorders such as anorexia nervosa. The role of dysfunctional family interactions in the pathogenesis of anorexia nervosa has been given a prominent place in the research field. Evidence for a specific family constellation in this disorder, however, has been conflicting. While the majority of studies argue for a specific family interaction style, further studies must be conducted to identify distinguishing characteristics of anorexic subtypes and to determine whether these characteristics are of a causal or consequential nature (Minuchin, Rosman & Baker, 1978). Family focused treatments for anorexia nervosa have been developed based on accounts in family therapy literature of the "typical" anorexic or "psychosomatic" family (Weme & Yalom, 1996). Anorexic families may appear to have a perfect or ideal environment on the surface, but upon close observation little expression of affection or warmth is seen. Members of these families seldom take specific stands on issues, and conflict is avoided at all costs. Underlying dissatisfaction and tension is often present within the parental dyad. It has been suggested that parents of anorexic offspring put high expectations on their children to over-com... ...oanalysis and Eatiniz Disorders. Guilford Press: New York. Blinder, B.J., Chaitin, B.F., & Goldstein, R.S. (1988) The Eating Disorders. PMA Publishing: New York. Broberg, A. (1993). The anorectic family--an old-fashioned concept. Lakartidningen, 5@O 4550-4553. Hall, L., & Cohn, L. (1992). Bulimia, A Guide To Recovory Gurze Books: CA. Le Grange, D.C., & Rutherford, J. (1994). Redefining the psychosomatic family; family processes of 26 eating disorder families. International Journal of Eating Disorders. 3, 211-226. Minuchin, S., Rosman, B.L., & Baker, L. (1978). PYchosomatic Families. Harvard University Press: Mass. Weiss, L., Katzman, M., & Wolchik, S. (1985). Treating Bulimia. A Psychoeducational Approach. Pergamon Press: New York. Weme, J., & Yalom, J.D. (1996). Treating Eating Disorders. Jossey-Bass Publishers: San Francisco.

Interpersonal conflict in the movie “Hitch Essay

Conflict between people is a part of life and it is not necessarily a bad thing. I believe a relationship with frequent conflict may be healthier than one that seems to completely perfect or does not have any observable conflict. Conflicts can occur at many different levels of interaction, work, among friends, family members, and intimate relationships. When conflict occurs a relationship can be weakened or strengthened depending on the conflict and its resolution. Thus, conflict is a very critical event in the course of any relationship. Conflict can cause resentment, hostility, and perhaps end a relationship if it is handled poorly. However, conflict can be productive, lead to deeper understanding, mutual respect and closeness if it is handled well. I believe that the determination of whether a relationship is healthy or unhealthy does not depend on the number of conflicts between people, but on how the conflicts are handled and resolved. In the movie Hitch (Mordaunt & Tadross, 2005) I noticed the interpersonal conflict of lack of communication between the character Alex (Hitch) and Sara. In the movie they started to date and really got to like each other however, they both failed to disclose some very personal and important facts about one another. The most important thing in a healthy relationship is good communication and self –disclosure which both parties failed to do effectively. Both parties were dodging around the true aspects of their jobs. However, they were both very cautious about what they told each other and this eventually created a big problem in their relationship. The conflict actually started when a friend of Sara’s fills like she was dumped by her boyfriend due to the advice of a date specialist known as the â€Å"Date Doctor†. Sara later finds out that the man that she has a relationship with (Hitch) is the â€Å"date doctor†. Sara confronts Hitch and ask him if he is  indeed the â€Å"date doctor† he confirms that he is and tries to explain to her what he does. She refuses to listen and the fight begins. When she calms down and tries to talk to him he blows her off and refuses to listen. Finally, in the end they work things out. I believe that if Sara had been more open and really disclosed what she was trying to do they could have avoided the conflict that happened between them. Hitch could have been more open about what his job really consisted of and this may have given her more understanding on what he tries to do for people. The conflict may have been avoided if after Sara found out that he was the â€Å"date doctor† she had given time to explain and may have been reassured he was not trying to hurt people but make love connections. Instead they both chose to be stubborn and not communicate with other causing a lot of hurt and misunderstanding in their relationship. It is our interest to maintain relationships that are smooth, flexible, and mutually enhancing. The problem occurs when we fail to use cooperative approaches in our dealings with others. People do not create conflict intentionally. It sometimes happens because we are not aware of how our own behavior contributes to interpersonal problems. Sometimes we feel so exasperated that we focus on our own needs at expense of others. Then we find ourselves in conflict within our relationships. To prevent conflict from happening it is important to identify the ways in which we contribute to the disagreement and work on how you say things. Have a discussion (listen) to understand both sides of the problem and try to resolve it. In a relationship a person should be ready, willing and able to communicate their inner thoughts and feelings to one another. Communication is a key role in any healthy relationship, whether it is platonic, or intimate. RESOURCES www.livestrong.com/article/157478 www.drbalternatives.com/articles/cc2.html Mordaunt, W. Tadross, M. (Executive Producers), & Tennant, A. (Director). (2005). Hitch [Film]. Los Angeles: Sony Pictures

Hire Purchase Evolution Of Credit Finance Essay - Free Essay Example

Sample details Pages: 8 Words: 2333 Downloads: 2 Date added: 2017/06/26 Category Finance Essay Type Research paper Did you like this example? Business has evolved since the ancient times from barter, business, commercial venture, general manufacturing to specialized manufacturing today. Initially, only the seller and buyer were parties to a business transaction. The title to the asset is given by bill or invoice. Bill is used for consumables or low value assets that are usually purchased in cash. Invoice is used to specify durables or high value assets that are purchased on credit. Sales can be in either cash or credit. The two tasks for the seller are to sell and to monitor credit. Credit/ loan were evolved to bridge the gap between the purchasing power and demand. Over time credit organizations differentiated into sales and finance organizations. Today, three parties are involved in business transactions: seller, buyer and financier. Don’t waste time! Our writers will create an original "Hire Purchase Evolution Of Credit Finance Essay" essay for you Create order Advantages of credit Higher purchasing power Working capital is retained, increasing liquidity levels in the business Tax shield on interest expense Credit sales can be differentiated into Loan/Hypothecation Hire Purchase Leasing HISTORY OF HIRE PURCHASE Hire purchase originated in England and is now unique to former British colonies. The financier purchases the asset and lets it on hire to the user. The user exercises an option to purchase the asset at the end of the contract after paying all the dues. HP is a transaction in which the purchaser of goods pays an initial deposit and takes possession. Subsequent installments are made over a specified time after which ownership passes to the purchaser. The parties to the contract are Owner (financier) and Hirer (purchaser / user). The installments are called Hire Money. If there is a default in the payment of any installment, the financier retains the right to repossess the asset from the purchaser without any refund. Sundaram Finance is one of the first hire purchase companies in India. In fact, they were instrumental in the creation of the Hire Purchase Act of 1972. ELEMENTS OF HIRE PURCHASE AGREEMENT To be a valid hire purchase agreement, the following elements must be clearly specified in writing and signed by the hirer as well as the financier: Identifying attributes of the asset, such as chassis number, engine number etc. Cash price of the goods i.e. price at which the goods may be purchased Hire purchase price, which is the amount payable by the hirer under the agreement Down payment or initial hire payable by the hirer Number, amount and date of each installment payable by the hirer Date of commencement of hire purchase agreement Rate of interest charged by financier COMPARISON OF LOAN, HIRE PURCHASE AND LEASE Table 2.1 Comparison of Loan, Hire Purchase and Lease Criteria Hypothecation Hire Purchase Lease Sale of asset Sold to borrower, hypothecated to financier Sold to financier, financier hires to buyer (hirer) Sold to financier (lessor), financier leases to lessee Initial payment Margin money Initial hire Lease deposit Ownership Title is with borrower from the beginning At the end of the contract, title transfer to buyer is done Title remains with lessor throughout the life of the asset Cash flow to seller Loan value of the asset is paid by financier, balance amount by borrower 100% of asset cost is paid by financier 100% of asset cost is paid by lessor In case of default Money is the consideration Court intervention is necessary POA* is obtained to bypass court intervention Asset can be taken away by financier Court intervention is not necessary since the financier is the owner of the asset Asset can be taken away by lessee Court intervention is not necessary since the lessee is the owner of the asset *- POA is Power of Attorney. The lender/financier reserves the right to repossess the asset without court intervention, to save time and resources. PROCESS OF A HIRE PURCHASE TRANSACTION Eligibility to avail hire purchase The field officers approach a prospective client and explain the terms of the hire purchase deal. Generally, assets with a high rate of depreciation are financed through hire purchase. The following entities can avail finance: Persons of contractual capacity i.e. of age greater than 18 years (as verified by birth certificate), sound mind Partnership firms Proprietary organizations Companies Public limited companies Quasi- Governments Governments POA holders Natural Guardians Under Hindu Law, the partys father is preferred as natural guardian. Only by way of practice/ convenience the mother is accepted as guardian. Under Christian Law, either father or mother can be accepted as guardian. Under Muslim Law, there is no guardianship. Further, ladies behind purdah cannot be signatories to a hire-purchase agreement. Proposal Analysis Before entering into a contract with an applicant for a hire-purchase financing, field investigation is a must. The following aspects of a client are verified through field analysis: Place of residence (applicant should have resided in the place for a minimum of 2 years) Standard of life Character of applicant (determining willingness to pay) Income details Source of income Property owned by applicant Expenses Credit rating of the individual This is a strictly subjective judgment performed by the branch office and sent to the head office for verification. At Sundaram Finance, the applicants income and monthly commitment alone are considered. In case of salaried professionals, latest salary slip and annual tax returns or Form 16 have to be submitted. This is used to determine the gross salary, from which statutory deductions and total borrowings are reduced, arriving at net salary. This is the basis for capacity determination. In case of businesspeople, the companys balance sheet and PL account are scrutinized to determine the cash profit i.e. net profit after tax plus depreciation from PL account. Net annual income should be equal to or greater than twice the annual commitment of the contract. This is called cash flow cover. Amount Commitment is the sum of all the Equal Monthly Installments paid in a year i.e. [EMI] x 12. Calculation of EMI The total amount repayable is the sum of the principal (cost price of the asset) and interest (cost of funds). EMI = Amount repayable / Number of installments The interest component is given by Interest = Principal * Flat rate of interest * Number of years Flat Rate of Interest Simple Rate of Interest This is generally used for computing the EMI manually, easily and easy understanding of a monthly commitment. This rate of interest is used for the purpose of accounting and banking. The EMI is initially fixed and the hirer has to pay this fixed amount for all the installments. The EMI charges payable by the consumers vary for every installment when calculated using simple rate of interest and hence it is confusing. The amount contributed towards the interest and principle varies with installments. Interest amount is calculated for every month with respect to the principal remaining. At Sundaram Finance, hire purchase contracts normally exist for a period of between 12 months and 60 months, in multiples of 6 months. Operations The asset is purchased according to the hirers specifications. The engine number and chassis number specified in the invoice are noted in the contract. These details should be identical in the RC book, contract and invoice for the agreement to be legal. The date of the agreement and the invoice should be identical in a hire purchase contract, since the asset comes into existence on that date. However, this is not mandatory in hypothecation. The following documents are collected to process a hire purchase application: 1. Income proof Salary slip Form 16 Latest IT return PL A/C, balance sheet (audited) 2. Identity proof Passport Photo credit card Pan card Driving license Voter id Ration card Partnership deed Trust deed Certificate of incorporation 3. Location proof Ration card Telephone bill House tax challan Driving license Electricity bill 4. Asset proof House tax challan Copy of sale deed Wealth tax assessment Housing cooperation society bill 5. Signature verification Passport Photo credit card Pan card Driving license Voter ID card Signature verification from bank 6. Bank statement 7. Photograph Serving debt In hire purchase, debt need not be served in full. The buyer or renter is free to return the asset at any period in the agreement, and no further installments need to be paid. This is why 100% financing is never performed in a hire purchase transaction. At Sundaram Finance, the dates of payment are fixed as 3rd, 10th, 17th and 22nd of every month. Post dated cheques are collected. In event of default Default or non-payment of installments is defined as For car 2 months lapse in payment. For commercial vehicle 90 days lapse in payment. The following procedure is followed by the financier for repossession of asset in the event of payment default: Figure 2.1 Procedure to deal with payment default Contract termination At the end of the hire purchase contract Re. 1 is collected as option money to terminate the contract. Form 35 is issued. Financier endorses the RC book with no dues enabling title transfer to the hirer / purchaser. In a hypothecation, Form 35 is issued to terminate the contract. OTHER ASPECTS PERTAINING TO HIRE PURCHASE Motor Vehicles Act Any vehicle plying on a public road must be registered. Form 20 application to register a new vehicle Form 34 to register a new vehicle Form 29 30 transfer of ownership (If there is an endorsement in the RC book by a financier, title cannot be transferred unless a NOC No Objection Certificate is gained.) Form 35 termination or extension of contract Insurance Insurance can be defined as a lot of people sharing the burden of one deprived man. Motor Vehicle insurance does not specify a limit on the value of claims that can be made. It can be differentiated into comprehensive and third-party insurance. Third-party insurance merely compensates damages caused to third party by the actions of the vehicle user provided valid drivers license is present. Any vehicle plying on the road must have third party insurance. Comprehensive insurance also compensates for damage to the vehicle and owner, in addition to third party damage. Any vehicle under finance must compulsorily have comprehensive insurance. Insurance does not cover war war-like activities, nuclear reactions and acts of terrorism. CREDIT POLICY Credit policy aids the financier in preparing the terms of a hire purchase contract. It is merely a guideline for conducting the business. At Sundaram Finance the first written credit policy was established in 2000 when the volume of business crossed Rs. 2 crore. It is now reviewed every year, and is subject to change based on economic and other market conditions. Credit policy has an effect on three main variables: Percentage of funding Repayment period Interest rate Percentage of funding In hire purchase, 100% of asset value is never financed. The loan to value ratio varies according to the type of asset and the credit risk. The ratio is always calculated on the ex-invoice price less discount. Loan to Value ratio, or LTV, can increase if market expands or delinquencies decrease. Higher LTV means that a higher portion of the asset price is funded by the financier, with lesser initial hire amount. This is fixed according to the company policy and reviewed periodically. Interest rate The interest rate is inclusive of the internal return rate or profit margin for the financier. This is variable based on Return on Investment RBI regulations Economic reforms Market conditions Presently, the IRR cannot vary during the term of a contract. It has to be fixed at the time of drawing up the contract. Repayment Period This is almost always constant for a given type of asset and class of customer, owing to the depreciation of asset with time. ASSETS FINANCED THROUGH HIRE PURCHASE Sundaram Finance extends finance through hire purchase for Cars Commercial vehicles Cars are an expense, while commercial vehicles are an income generating asset. For financing a car, past income is considered, while for commercial vehicle, predicted future income flows are considered. Presently the market share of Sundaram Finance in hire purchase finance of cars is about 7 16%, with up to 24% in some pockets such as Vellore district. Credit Classification of Cars Table 2.2 Classification of Cars CLASSIFICATION NAME VALUE OF ASSET (in Rs. lakhs) A Small Car 3-4 B Medium Car 4-7.5 C Large Car 7.5-15 D Luxury Car 15 Table 2.3 LTV Funded for Cars and Jeeps SALARIED BUSINESS Small 90% 85% Medium 85% 85% luxury 80% 75% Repayment period for A B class cars, for salaried class, is 60 months. For others, it is 48 months. In the event of gifting a car acquired through hire purchase, third party guarantee with evidence must be present. Credit Classification of Commercial Vehicle Any vehicle that runs on the road for remuneration is a Commercial Vehicle. They can be classified as load carrying or passenger carrying vehicles stage carriage or contract carriage vehicles LCV, MCV, HCV or multi-axle vehicles Stage carriage is on a fixed route, with fixed timings and fixed fare. Ex. Public buses. Contract carriage is where every aspect route, timings and fare is customized according to individual customer needs. Ex. Autorickshaw. Table 2.4 Classification of Commercial Vehicles ABBREVIATION CLASSIFICATION GROSS LOAD WEIGHT (in tons) LCV Light Commercial Vehicle 5 MCV Medium Commercial Vehicle 5-10 HCV Heavy Commercial Vehicle 10-15 Multi Axle Vehicle 15 Table 2.5 LTV Funded for Commercial Vehicles TRUCK BUS LCV Experience (in years) 3 3 3 Tenure (in months) 48 48 36 LTV of total chassis cost 95% 90% 85% LTV of total body cost 90% 90% 85% Repayment period for LCVs alone is 36 months as they depreciate faster and earn less revenue. For other classes the period is 60 months. For used commercial vehicles, the following are the credit norms applicable at Sundaram Finance: Table 2.6 Credit Policy for Hire Purchase Finance of Used Commercial Vehicles CREDIT POLICY NEW CUSTOMER EXISTING CUSTOMER Age of vehicle at closure of contract = 8 years = 8 years Maximum tenure (in months) 36 36 LTV (on basis of market value) 60% 60% Paper cash cover (times net income) 1.5 1.5 Assessed cash cover (times net income) 2.0 2.0 Exposure limit (in Rs. Lakhs) 10 10(if not fixed by HO/RO) Age (in years) at the closure of contract 65 65 Years in business 2 2 Years in location 3 3 Eligibility criteria Should own one free and road-worthy vehicle Previous closed contract to be not greater than 12 months ago