Executive Financial Plan Summary Essay

I want to take this opportunity to thank you for reaching out to me. One of the first steps towards financial clarity and meeting your financial goals is to reach out to specialists who can identify your needs and financial position. I am pleased to help you get started on your journey and look forward to seeing you meet your goals! Throughout this document, I will be using various numbers and concepts under the assumption that they represent your financial position. In truth, these numbers are meant to be fluid and may change with time depending on the course of events in your life. Reviewing the document carefully to understand the underlying concepts and financial patterns is necessary given that change is constant. Resources Available: The best place to start is by reviewing the attached cash flow summary. This is a tool which can help you both visualize and quantify your goals. Items that are included on the cash flow include investments you are making, debt payments, and unallocated cash flows as an example. Additionally, I have tracked the costs or savings associated with each of my recommendations in the cash flow summary as well. The summary should allow you to see an action plan for achieving your goals while keeping yourself within your budget. Issue 1: Emergency Funds While you have a good start on accumulating sufficient emergency reserves, your current amount would last 3.4 months without covering any additional out of pocket expenses for medical insurance in case of a job loss or medical expenses in case of an illness. Recommendation: Increase emergency reserves this year to at least 4 months of reserves which requires an additional $5,000 deposited this year. Move funds from the taxable money market to the Colorado municipal money market which has a better after tax return. Additionally, any tax refunds (estimated to be about $500 after changing withholdings) or â€Å"found money† should be dedicated to this goal, increasing it up to $33,000 over the next few years. Advantages: Increases your ability to handle any emergencies that come along. Using the municipal money market is more efficient with a better after tax return than your current money market. As long as one of you is working, this would cover six months of unemployment. Disadvantages: Funds invested in safe liquid assets earn less than those that have higher risk. Alternative: Use Roth IRA to begin accumulating more emergency reserves beyond the current $25,000 because you can withdraw your principle anytime without penalty and the funds are protected from creditors. In that case, we would not count earnings toward your emergency reserves but principle only. Issue 2: Paying off credit card debt as soon as possible. Paying off credit card debt starting now will free up money to accomplish other goals. Currently you are in a position where you can pay off debt immediately if you utilize current cash flows. This will save on interest payments and allow you to allocate cash flow to other goals. Recommendation: Pay off your $6,158 of credit card debt immediately using the re-allocable savings, tax withholding, and estate distribution. These additional cash flows of $20,300 should be more than enough to cover the credit card debt. Advantages: You will stop interest from accumulating on your credit cards, which frees up cash flow for other purposes in the future. Your $6,000 of per year expenses previously allocated to credit card debt is now freed up for other financial goals. With your credit card debt off of your credit report, your credit score will improve. With the increase in credit score, you may qualify for better debt financing rates in the future. An example of this would be if you refinance your home. Current lending rates (fixed) are lower than your current mortgage rate of 6.88%. Disadvantages: This is a significant upfront cost as far as cash flow is concerned. The additional resources could be used towards other goals in the short term. Depending on the actions you take, you may not have a need for more affordable lending rates. Issue 4: Homeowner’s Coverage Your current homeowner’s coverage is adequate from a baseline perspective, but I believe some minor improvements can be made to your coverage. With the cash flow we currently have available, minor tweaks can be made to your policy to ensure that you are covered under the most strenuous of circumstances and can have peace of mind regarding your home. Recommendation A: My first is that you increase your base coverage by $10,000; this will cover you for the full value of your home as you currently are covered for only 96% of its value. Advantages: The advantage of increasing your homeowner’s coverage on your dwelling from $310,000 to $320,000 is that you will receive the full replacement cost of your home in the event of a catastrophe. Increasing your homeowner’s coverage is also quite cheap; the additional cost is only $35 per year. Disadvantages: The additional homeowner’s coverage is cheap, but modest in its advantages. The $35 you are spending on these could easily go elsewhere. Recommendation B: My second recommendation is you take an inventory of your personal property. Advantages: A personal property inventory will ensure you know the value of your possessions in the event of a catastrophe. Appraisals of high-value items such as your jewelry, wedding ring, antiques, and guns will be beneficial not only for your personal property inventory but also for your personal benefit; you can have an appraisal on hand in case you want to sell something, for instance. Disadvantages: The personal property inventory will require regular appraisals if you are to keep up with maintaining it on a consistent basis. Appraisals for personal property are oftentimes costly. This is actually only a problem if you get a large number of items appraised. Recommendation C: My third recommendation is you add an inflation rider to  your policy. Advantages: The benefit of the inflation rider is that it increases your base policy by the amount needed to keep it on par with yearly inflation. It will automatically increase both coverage and the premium. It is also cheap at only $20 per year. Disadvantages: Similar to the increase in homeowners coverage, modest in its advantages. The $20 could go elsewhere. Issue 5: Automobile Coverage You have not had a review of your automobile coverage for four years. Looking at changes to your automobile policy can help us see areas where you are more at risk from financial loss. We currently see that improvement can be made to your base policy as well as how your deductible is structured. These issues and recommendations are ultimately to be addressed with your insurance agent; I am merely providing a perspective. Recommendation A: I recommend that you raise your current base policy to double its current amount. Along with this, you will also raise your uninsured motorist’s coverage to match the amounts of the base policy. Advantages: The primary benefit of raising the base policy to double its current amount is you concurrently raise your uninsured motorist’s coverage to match. Your current uninsured motorist’s coverage is lower than your base policy; raising the uninsured motorist’s coverage provides substantially more financial protection in the event of bodily injury or the potential loss of one of you as a breadwinner. Disadvantages: The cost of doubling your base policy is quite substantial compared to the alternatives. The total cost is of doubling the base policy is $120. Recommendation B: I recommend that you raise your comprehensive and uninsured motorist’s coverage deductibles from $500 to $1,000 each. Advantages: Raising your deductible’s from $500 to $1,000 each will provide you with $250 of cash flow yearly which can be used towards your other financial goals. These changes to your coverage are designed to maximize cash flow coming in while adapting to the financial needs that arise from certain risks. In sum total our recommendations result in positive cash flow for you while maximizing the benefit you gain from insurance claims. Disadvantage: In the event you do have to file an insurance claim, your insurance deductible for both comprehensive and uninsured motorists is going up to $1,000 from the previous $500. Alternatives: You could leave your base policy alone but double your uninsured motorist’s coverage by paying only $40 instead of $120. This will free up cash flow of $80 compared to my recommendation for meeting your other financial goals. Your total bodily injury and property damage will remain the same. The uninsured motorist’s coverage will double. This still gives you greater financial protection in the case of a loss of income compared to leaving uninsured motorist’s coverage alone. Issue 6: Umbrella Coverage You are not adequately protected from liability with your umbrella coverage. As an example, you have risks related to the ownership of your jet skis, snowmobiles, and horses. In the event you are sued for damage to either property or persons, you could be liable for anywhere between 5-15 times your annual income or even the sum total of your net worth. At your current level of coverage of $500,000, your financial security is at a high risk for being jeopardized in the event of a legal meltdown as well. Your current coverage premiums are above the average rates. None of the property previously mentioned is listed on your homeowner’s insurance policy either. Recommendations: Switch your umbrella policy from your current carrier to the same carrier as your homeowner’s policy. Under your new policy increase your total coverage from $500,000 to $1,500,000. Advantages: Combining these policies under one company will confer you a monetary benefit of $25 per year in savings. We have calculated your recommended coverage quote by multiplying your yearly gross wages of $150,000 by a multiple of 10. This multiple is considered because you are established with a home, cars, retirement, and educational needs. A young couple with few assets would use a multiple of 5 whereas a larger family with more assets might use a multiple of 15. Your situation calls for something in the middle. Your deductibles for the umbrella policy will integrate with the existing policy  limits. Disadvantages: The cost of the $1,500,000 is $200. This is $75 more than what you are paying with your previous policy. In the event you get rid of some higher risk items, such as your snowmobiles and jet skis, your coverage might need reevaluating as it would be too high relative to risk factors. You mentioned your personal items are low in value so retiring them soon would be an example of needing to discuss with your agent options regarding risk. Alternatives: Instead of raising your policy level to $1,500,000, raise it to $1,000,000 only. The primary benefit of this is the cost savings from a cash flow standpoint. You are already adding your snowmobile and fishing boat to your homeowner’s policy for $300 annually. While the additional cost savings is modest, it simply affords a little bit more cash to be used for your other financial goals. Issue: Disability Coverage You lack an adequate budgetary plan in the event either one of you becomes disabled. At your ages, you have roughly a 21% chance that either one of you will unemployed for longer than three months as a result of disability. The impact of a disability with either one of you would be disastrous to your financial goals. The most important goals that would be compromised include your retirement and saving for your son’s education. Buying a car for your son, jet skis, and traveling, these luxuries would have to be reconsidered and more likely would be impossible. As a result of your disability you would further have additional health insurance premiums to pay; other out of pocket costs related to your disability not currently included in your budget would be necessary to account for. Both of your long term disability plans factor in inflation. If Jim becomes disabled in the long term, a sharp drop in income occurs almost immediately and until retirement. If Anne becomes disabled, your income remains relatively the same until retirement. A question you should further consider is what happens at retirement? Your target income in retirement is $211,436. If Jim becomes disabled, your projected income in retirement is $83,285; this is 39% of your projected income. If Anne becomes disabled, your total income in retirement will be  around $97,000; this is 46% of your projected goal. Understanding the realities of a potential disability for either one of you and putting a plan in place is primary. Recommendation: 1) Purchase a $1,743 monthly benefit individual policy to age 67 with an inflation rider of 3% on Jim. Purchase a rider premium with this policy. The total premium cost will be $829. 2) Purchase an additional 10-year benefit with a 365-day elimination to supplement Nancy’s income. The total premium cost will be $433. 3) Add a rider premium to your mortgage.

Guns, Germs, And Steel Essay

In the book Guns, Germs, and Steel the Fates of Human Societies, Jared Diamond discusses the superior developments and advancements of mankind that shaped history through time. Throughout the book Diamond states how disease and germs have shaped history up to today. â€Å"Because diseases have been the biggest killers of people, they have also been decisive shapers of history.† For instance, Diamond relates to a story once told to him by a friend about a man that contracted a very odd disease. As the story progressed you eventually found out how the man got the illness by having sexual intercourse with a sheep. This illustrates human diseases of animal origins (pp.195, 196. 197, 206-210). Diamond also discusses how the Europeans were able to defeat the Native Americans because they brought diseases to them that they were not yet immune to. In Guns, Germs, and Steel, Diamond discusses the evolution of disease that is contracted from animals. Diseases that have had a major impact throughout history such as smallpox, malaria, tuberculosis, plague, flu, and measles have been adapted by humans from animals (p. 196). One example of how a germ can spread is by patiently waiting to be transmitted through the victim. For instance we often contract salmonella by eating raw or unprepared food like eggs and meat; and the worm that causes anisakiasis by eating raw fish. Germs don’t just wait to be transmitted by waiting to be eaten by the victim but by hitchhiking on the animals’ salvia. For example, mosquitoes, fleas, and even lice carry fatal germs that can cause diseases such as malaria, plague, or even typhus, and once bitten you can easily contract any of those diseases (p.198). Moreover, the worst type of transmission of the germs is by passing through a woman to her fetus and pass on –infect- her child. That type of transmission diamond describes as contracting syphilis, AIDs, and rubella (p.199). AIDs, as Diamond informs us, came from a virus in African Monkeys that was first detected in 1962 (pp.197, 199, 201, and 208) One main example of how disease had a huge impact on shaping the course of history is the Europeans defeating the Native Americans (pp. 210, 211, 212, 197). The Europeans came to the Americas in 1492 on Columbus’s voyage. When they came they were able to conquer the Native Americans due to the murderous microbes. Many more Native Americans died in bed from disease than ob n the battle field because of the Eurasian germs. For example, Cortà ©s came to the Mexican coast attempting to conquer the Aztec empire. When he reached Tenochtitlan he was able to escape with one third of his army left. When they returned, the Spaniards had an advantage due to the epidemic that was brought to the Aztecs by a Spaniard. The epidemic spread like wildfire and by 1618 the Aztec population drastically decreased from 20 million to 1.6 million (p.210). Additionally, Pizarro had the same luck when he got to Peru and attempted taking over the Inca Empire in 1531. Smallpox came in 1526 killing a large number of Inca residents’ as well as the emperor and his successor. Hernando de Soto came to the Americas and was the firsts to march through southern united states. He came across many abandoned sites due to epidemics and Eurasian germs. As de Soto marched through the Indian sites of lower Mississippi, Eurasian germs had already reached most of north America and kept spreading. The main killers of the Indians had been the Eurasian germs that were not introduced to the native Americans and therefore never immune.

History Of Ordnance Corps Essay

The Ordnance Corp is one of the oldest branches of the Army, established May 14, 1812. The U. S. Army Ordnance Department established from The Revolutionary War. General George Washington, the commander of the Continental Army, appointed Ezekiel Cheever to provide ordnance support to army in July 1775. Until 1779, all the armies had Ordnance personnel moving with them. They were civilians and Soldiers, served as conductors for maintenance – ammunition wagon and arms. Each conductor led five to six armorers who repaired small arms. In 1776, Board of War and Ordnance was created. In 1777, the first Ordnance facilities were established at Carlisle, Pennsylvania, and the first arsenal and armory operations at Springfield, Massachusetts. Other arsenals and armories were also established at Harpers Ferry, Philadelphia, and Watertown. On May 14, 1812, the Ordnance Department was organized by Congress. The Ordnance Department was responsibility for arms and ammunition production, acquisition, distribution, and storage for the war. In 1832, the Ordnance Corps had new responsibilities for researching and development of field services. Good work of the Ordnance Department continully to developed and tested during the Mexican War. The Mexican War became the foundation for the massive logistics. During the American War, the Ordnance Corps was really tested and developed. The Ordnance Corps brought massive procurement of weapons and supplies, and providing field support for fast moving armies. In 1898, Spain War, the Ordnance Corps first deployed overseas and provided close-combat support. During World War I, the Ordnance Corps mobilized and developed weapons systems, organized Ordnance training facilities, and established overseas supply depots. In World War II saw dramatic expansion of the Ordnance mission of production, maintenance and training. In both Korea War and Vietnam War, the Ordnance Corps provided supplies and maintenance, and was active in the development of rockets, guided missiles and satellites. In modern U. S. Army Regimental System, the Ordnance Corps is organized under the whole branch concept. The Chief of Ordnance serves as the Regimental  Commander, and the Office Chief of Ordnance serves as Headquarters Ordnance Corps. The Ordnance Corps will be always supporting the development, production, acquisition and sustainment of weapons, ammunitions, missiles, electronics, and mobility to supporting combat power to the U. S. Army. The insignia of the Ordnance Corps is yellow color metal shell and flame. The Shell and Flame is considered the oldest branch insignia in the U. S. army. The Shell and Flame had been used by European armies before its adoption by the U. S. army. In fact, it is still used by European armies. This insignia was assigned to the Ordnance Corps in 1832. The branch colors are crimson and yellow. At first, the Ordnance Corps had a red trail, like Artillery. In 1851, Crimson was assigned to the Ordnance Corps. Then in 1902, it was changed to black and scarlet color. Then finally, in 1921, crimson and yellow were assigned to the Ordnance Corps again. The Act of May 14, 1812, recognized the Ordnance Corps. In 1936, the army Institute of Heraldry redesigned and standardized version of the Shell and Flame. Redesigned Shell and Flame remains the current version.

Critically evaluate two settings that professional english counsellors Essay

Critically evaluate two settings that professional english counsellors work in. Discuss the stregths and weaknesses of the setti - Essay Example Therapy aims to reduce the emotional turmoil the client is undergoing and to bring about lasting change for the solution of these problems. With counselling services, clients also seek to improve their health and well-being after the emotional distress that they have been through (Web Healer 2011). Counselling and psychotherapy are both focus on talking to people regarding their problems. However counselling inculcates brief sessions whereas psychotherapy focuses on the deeper issues linked to the history of the clients that concern them. Counselling sessions focus on the solutions of a specific problem in contrast to psychotherapies which are more intense. Counselling has started to rise in the UK due to increased demand, with the numbers tripling in the past decade (Counselling Directory 2011). Counsellors sit in various settings in the UK. Many of them are private while many are working with organizations that have specific premises designated for the counselling sessions. Private counsellors often set up their offices at their homes- a venue preferred by some clients. Moreover there are a number of voluntary organizations functioning in the UK that provide counselling services too. This paper compares and contrasts the counselling services being offered in two settings: a voluntary organization and GP’s surgeries. The voluntary organization chosen is Base 51, whereas the counselling that is associated with GP surgery is based in North Tyneside and is known as the North Tyneside Patient Care Trust (PCT). The North Tyneside PCT is the major leader of NHS in North Tyneside. Base 51 Counselling Service is a volunteer organization functioning in England. The organization believes in the provision of a holistic health care for children and youth aged between 12-25 years. The service is offered full time and mirrors the emotional needs of the clients. The service is available for people residing in the Nottinghamshire area. Base 51 bases its mission stateme nt on the WHO’s definition of health that health refers to the state of emotional and social well being, and not simply the nonexistence of a disease. Keeping this in consideration, Base 51 provides counselling service that is moulded to the needs of the clients. The organization is a health-care project under the HINT (Health Information for Nottingham Teenagers)- a charitable company. Base 51 functions both as a charitable trust and as a limited company operated by HINT. The Board of Trustees regulate the various administerial matters of the trust. Moreover Base 51 receives support from a number of local and national organizations, schools, business and individual figures. These bodies and people provide Base 51 with financial gifts and other gifts such as food and toiletries (Base 51 2011). Base 51 gives equal opportunity to all of its staff- a principle co existing with those of the BACP. Also the organization placed emphasis on professional liability, another element of professional conduct as prescribed by the BACP. Where Base 51 is a volunteer or

Field Notes 4 Essay Example | Topics and Well Written Essays - 500 words

Field Notes 4 - Essay Example He also emphasized that even within the family, individual preference should be respected although he did mention that â€Å"the key that most family share is some of the basic belief that we have a higher being. God.† This indicates a cultural value that - despite a reference to the importance of individualism - there is a collective ideal that springs from the group that we belong to. The general attitude of the interviewee in this respect is balanced. There is emphasis on the rights and preference of the person, but there is also the respect for the community and institutions. One of the reservations I have had with the interviewee’s assumptions is with regards to equality. This is based on my perspective as an individual belonging to a different generation. When asked about gender equality, the interviewee answered along the traditional role-based relations between man and the woman. The former provides for the family whereas the latter cares for the children. The interviewee’s family is structured this way. In addition, he also holds the role of sisters, brothers and the sibling hierarchy as important in the cultivation of the ideal behavior of his children. He also recognized the role of teachers and the community personages such as the minister. I do not have any issue with most his thoughts in this area. But there is the traditional view on gender relations, which I think is markedly different from my own perspective. He thinks that male and female roles are essential - an idea that is no longer true to this day, at least in my opinion. Men can also care for children and if familial circumstances dictate such condition, husbands should have no qualms, reservations or prejudices about taking over the role. I have lived within a generation where rigid male-female roles are practically erased. I can just imagine if the role is reversed within the interviewee’s family. There is a potential

Business in Action written assignment Essay Example | Topics and Well Written Essays - 1250 words

Business in Action written assignment - Essay Example 1. Introduction A successful business model can be defined as the way an organization creates; delivers incarcerate value to the customers. Experts believe that a successful business model must contain nine building blocks. Those blocks provide thee much required strong base to the business. Those nine blocks include customer segments, channels, and relationships with customer, value proposition, revenue streams, main resources, main activities, main partnerships and cost structure. The study has been conducted to analyze the business model of a company and understand the contribution of the nine blocks to the success of the business. The company to be discussed in this study happens to be Tesco PLC. Tesco PLC is an English multinational retailer. It is believed to be top retail outlet in the UK. The Headquarters of the company is Chesnutt, UK. It is also the third largest retailer in the country, after Walmart and Carrefour. The company has stores in fourteen countries across Europe , Asia, and North America (Chesbrough, 2007, p.45). 1.1. Value Proposition Value proposition block describes the products or services offered by the company. The offerings of the company creates value proposition for Tesco. Both through online and retail stores the company seeks to deliver value by providing a great shopping trip to the customers. One of the core values of the company is that no one tries harder for the customers than Tesco. This is very much visible in the way the company strives to improve the shopping experience. This includes all the key elements including product range, quality, availability, price and even company loyalty schemes. Irrespective of the country the modus operand of the company keeping the customers and their needs into focus remains same when it comes to delivering value (Buttle, 2012, p.107). 1.2. Customer Segments Market Segmentation can be defined as dividing a market in to different parts or group. Market segmentation can be classified as mas s segmentation, niche segmentation, segmented marketing, and differentiated segmentation. After analyzing the product mix of Tesco; it can be summed up that the company goes for differentiated segmentation as it offers a wide range of products to the customers. The product mix of the company includes Jewelleries, Sports accessories, Food and groceries, technology and gaming related products, clothing, Baby and Toddler, etc. So, the technology or gaming related products may attract the people belonging to the age group of 18 to 25 (male). The baby and toddlers are targeted towards kids, where as Jewelleries could be targeted towards the female population. Such market segmentation strategy helps the company to reach to different market segments (McDonald, 2012, p.54). 1.3. Customer relationships Managing customer relationships is all about the game of acquiring, satisfying and retaining the customers. Studies have shown that it is five times more difficult to acquire a new customer ra ther than holding on to an existing one. Studies have also revealed that companies round the globe make 65% of their revenues from existing customers. Tesco seems to be a firm believer of this philosophy. Best way to make customers happy is to listen to them well act accordingly, so that their problems can be solved enhancing the customer experience.

Leadership Term Paper Example | Topics and Well Written Essays - 2750 words - 1

Leadership - Term Paper Example Benefits as well as setbacks resulting from ethical and unethical leadership are mentioned respectively. In addition, the role of ethical decision making in the management of public institutions is illustratively explored. Also, relevant moral frameworks and guidelines for decision making like the utilitarian approach, and the common-good approach are explored sufficiently. Moreover, a personal perception on ethical leadership is demonstrated through the hypothetical problems identified in preceding sections of the paper. Finally, the paper closes with analysis of short-term and long-term recommendations, on how to improve the unethical problems within the Operating Tax for Commercial Transportation profession. In the United States, most jurisdictions have legislations that allow for taxation of commercial transport businesses. Tax imposed on commercial transport businesses is commonly referred to as commercial transportation tax. In an effort to increase their revenues, legislations in certain states like Virginia necessitated imposition of levy fees on commercial vehicles like delivery cars, trucks, and earth moving machines among others (Lindsey, 2008). Occasionally, vehicle weight is used as criteria in determining the amount of tax payable by the commercial vehicle operator. For instance, commercial vehicles with a weight exceeding 26,000 lbs are normally required to file tax returns to appropriate state authorities. In addition, light motor vehicles like city passenger transport cars are required to file for tax returns based on the millage parameter. In this context, it is worth acknowledging that commercial transportation tax applies only for motor vehicles and other means of trans portation that carriers goods or passengers for a fee. Private vehicles, school busses and government fleets are exempted from this type of levy. During implementation of tax policies for commercial transportation, unethical practices are often reported (Brown,

Law an Offer and Acceptance Essay Example | Topics and Well Written Essays - 1500 words

Law an Offer and Acceptance - Essay Example An offer can be defined as an expression of a willing to contract, on particular terms which becomes binding, upon the acceptance of the one to whom it was directed to. The expression of a contract generally means the form in which the contract is embodied in. It could be expressed in a letter, in the traditional sense, an email, fax and construed from the conduct of the offeror communicating the main grounds for the contract terms. The case of Smith v Hughes defines what entails intention to create legally binding agreement entails. It was held that the court objectively deduct an intention, not on the basis of the offeror’s intention per se but on the premise of what a reasonable man would construe as intention. However, beyond the classic definition of an offer being a bilateral expression of willingness to contract; there are instances in which the court has interpreted unilateral contract and held that they were legally binding. An excellent example emerges from the case of Calil v Carbolic Smoke Ball Company. In this case, the smoke ball company, made an advertisement in the newspaper stating that it will give a reward of 100 pounds for anybody who used the smoke ball as prescribed and still gets influenza, a cold or a related disease. Calil on seeing the advertisement bought the smoke ball used it as per the instructions and, when she contracted the influenza she proceeded with the lawsuit. Lord Lindley, held that it emerged from the conduct of the offeror a waiver of the offeree duty to notify them acceptance from the nature of the public advertisement; and thus an acceptance by Calil was held to be valid thus they were instructed to pay the price of 100 pounds. There are cases in which an offer may be confused with an invitation to treat. An invitation to treat is not an offer, but an invitation of a negotiation of terms of a contract. This was illustrated in the case of Harley v Facey where the owner of some property had indicated that he was w illing to sell his property at a certain rate. The person to whom this was directed took it as an offer and moved to court to enforce the said offer. It was held that it was an invitation to treat thus, made with the intention of receiving offers. There are four kinds of invitation to treat in common law in common law. One is an auction, where a bid is held to be an offer for the auctioneer to either accept or reject. In Payne v Cave, D made the highest bid for an item in an auction but withdrew the bid before the fall of the hammer. It was held that the bid was an offer and thus revocable before acceptance. Acceptance occurs at the fall of the hammer. An advertisement is also an invitation to treat and not an offer. In the case of Partridge v Crittenden, D made an advertisement for the sale of a protected species of birds and was sued under respective Act. It was held that the advertisement was a mere invitation to treat and not an offer. Exhibition for goods for sale like it is do ne in supermarkets constitute an invitation for customers to make offers and are not offers in itself. In the case of Fisher v Bell where it was held, displaying goods with the price on them was an invitation to treat and receive offers which the shopkeeper could either accept or reject. An invitation for tenders is the last example of invitations to treat and not an offer. Response to the tenders is the offers that the person who advertised the tenders can either accept or

Immigrant Employee Impact on Native Essay Example | Topics and Well Written Essays - 1500 words

Immigrant Employee Impact on Native - Essay Example However, everyone who is in the labor force is going to be affected by any change to the work environment. Therefore, immigrant workers should be treated as equal member of the labor force, and we should acknowledge immigrant workers in the work environment. The rise and fall of the economy causes a lot of finger pointing between native workers accusing immigrant workers. Even though natives blame immigrants for losing their jobs and salary, they still help the economy. According to Marron the total gain from immigration is 0.28% of the GDP or approximately $37 billion per year (Marron et al 3). Furthermore, the immigrants’ affect could go both ways, either good or bad, so it depends on the way we take the situation. We could watch and not do anything or we could help the labor force in activities such as job searches and work support. According to the editor, Viqi Wagner, in the introduction to her book Labor Unions for the second chapter, in 2000 the population of immigrants in the United States was estimated to be seven million. Since the immigrant population has been rising by a half-million each year, if we calculate the number for 2010, it would be estimated 12 million immigrants (59). Taking into consideration the populati on of United States alone, which is 309 million, according to the United States pop clock website (US & World Population Clock). And also Donald Marron, one the White House website shows that in 2006 15% of the labor force in United States was foreign-born workers, and now this constitutes half of the growth in the labor force (Marron 1). So all of kinds of people are immigrating to the United States, and we cannot ask them to go home so easily. Equal treatment in the labor force should be established between workers no matter what their race and where they are from. Just by watching TV news, we know some of the immigrant force gets

Compare and contrast the Virginia and New Jersey plans presented at Essay - 2

Compare and contrast the Virginia and New Jersey plans presented at the Constitutional Convention - Essay Example This paper compares and contrasts the two plans. Virginia plan proposed a congress with two houses or chambers namely lower house and upper house and each state to be represented depending on its size and population. On the other hand, New Jersey plan proposed single chamber legislature (unicameral) where every state represents one vote without considering the size and population. Virginia plan proposed that one chamber of the legislature have a representative elected by the people. It also suggested that the state legislature to nominate members of the second chamber. However, New Jersey Plan did not propose how congress members are selected. Virginia plan proposed that members elected by the people serve for three year terms and the other house elected by state legislatures serve for seven years. On the other hand, New Jersey plan did not propose the length of terms of service for the legislative branch. Virginia plan proposed that state members be based on the population of the states. Hence, bigger states were to have more state members than smaller ones. On the other hand, New Jersey plan proposed that states be treated equally with each having the same number of members. Virginia plan proposed executive and national judiciary to have power to veto legislation that was subject to override and a national veto power over any state legislation. It also gave legislative branch powers to negate state laws, which were incompatible with the articles of the union. On the other hand, New Jersey plan proposed congress to have more powers of making laws and take precedence over state law. It also proposed congress to have more powers of setting and forcing the collection of taxes. In both plans, the federal government and states work together and relates in different aspects. For instance, they both proposed federal government to

An Evaluation of Project Quality Controls of the Oil and Gas Industry Dissertation

An Evaluation of Project Quality Controls of the Oil and Gas Industry Projects in the United Arab Emirates - Dissertation Example bu Dhabi Polymers Company Ltd (Borouge), the Abu Dhabi Oil Refining Company (TAKREER) and the Abu Dhabi Gas Company (ATHEER). Q3: How does it feel to be leading one of the biggest oil and gas extractive empire of the world? Ans: It’s quite a responsibility and it’s a pressure too to meet the international standard to maintain the stature and credibility of the company. We are also confronting issues about the increasing number of corrective remedies that we need to undertake to ease and strengthen out our operation. Q4: For you, what is the meaning of quality control? For me, quality  control  is achieving the standard level of product and services following specific requirements on dependability, satisfaction, and reliability and fiscal rate. It is concern about quality assurance and the standard limit employed to a product or service. Our quality  control  team works to assess problem to fix problems and to review mechanisms through structured inspections. We assess to comply with quality standards pursue corrective actions Control is done to mitigate risks and to attune our company to international standard. Q5. What process are you undergoing in managing control quality? Ans: The Company does quality control to develop trustworthiness and to learn from our experiences. We development quality control by (1) engaging stakeholders in all control and monitoring applications; (2) increasing preference for public and private companies to be socially accountable, and (3) utilizing the essence of science as capital. Following these developments, it is also widely acknowledged changes of standards on heterogeneous skills, knowledge, systems, behaviors and reflexivity, new standard for quality control and monitoring emerged as post-modern frameworks. Q6: What are the international standards that you are using? Ans: ADNOC submit for international valuation of its operation and management. The oil and gas industry has a standard quality and enviro nmental monitoring systems (ISO 14000) and ISO 9000 compliant software to improve Manual Quality Management System Processes. ISO 14000 helped organizations improved environmental performance to increase prevention of pollution. Part of the effort to reduce the emission of pollution is by upholding ISO 9000 quality standards.We also follow on acceptable risk management model and Sarbanes-Oxley Act (SOX). ISO 9001 certification is awarded if the following requirements are reached: maintaining of standard procedures of all key processes in the business; monitoring all processes to validate its effectiveness; documentation and keeping of all records; checking product output defects as well as the use of appropriate corrective actions when necessary; regular review of each processes and the effectiveness of quality system and facilitate continuing improvement. ISO 14000 on the other hand, regulate the environmental management in production’s operations as well as in its product q uality standards. In this standard, companies are mandated of the following

Current Trends in Human Resource Management Essay Example for Free

Current Trends in Human Resource Management Essay Technology is ubiquitous. Whether you are in the industrialized world or developing markets, a growing number of people are connecting with mobile devices like colorful cell phones and very portable computers like Apple’s iPad. This allows people to communicate across archaic boundaries within companies or externally across the world. They have instant access to information and to people. brilliant CEO’s are thinking about ways to leverage this technology explosion. Many are already experimenting with virtual teams, non-traditional workplaces, and flatter corporate structures. How will your company leverage technology? Are there ways to connect more effectively with co-workers, customers, or investors? Can access to information abet to hurry the company more effectively? Have you identified what information is necessary to your success and how it should be shared? Will you exercise an enterprise platform like SAP or Peoplesoft, or will you simply spend basic services like email and the Internet? So, the basic examine from a human resource perspective is how to utilize technology to connect people and information to your advantage. If you are not thinking about all of this, rest assured that your competitors are already experimenting with the modern technologies. originate positive that you don’t pick up left in the dust. Global Marketplace As demonstrated during the unusual downturn, worldwide economic activity is more interdependent than it ever has been in the past. Although trade has crossed borders even before the Silk Road was traveled by Marco Polo, in today’s global marketplace what happens in one country usually has a dramatic impact in another. The largest economies like the US, China, Japan, nd Europe are so interdependent that their leaders meet periodically at the G-20 summits to discuss issues of mutual interest and favorite strategies. Smaller countries that were formerly called third-world countries are now called emerging markets because they have the most robust growth. It is now also possible to do business across borders more easily using global transportation services like DHL , FedEx, and UPS. Even minute businesses have the opportunity to compete or bewitch supplies from outside their local marketplace. This is a growing trend and remarkable of the growth will be outside of the developed countries. So, how is your company positioned to participate in this growth? Can you tap into modern markets or get suppliers or contract workers at lower cost? Can you partner with other businesses or agencies in different markets at home or abroad? If you are looking for recent customers, project workers or current opportunities, then it only makes sense to believe about strategies that would allow your company to participate in the global economy. How can your company tap into the growth in the emerging markets? More specifically from an human resources perspective, can you leverage contract workers for projects or benefit staff? While this may not be feasible for every business, it might be more viable than you deem. Workers who do their job primarily at a computer can do this unbiased as well in another space or country. This is especially proper if you have the just technology platforms or exercise cloud computing. While there are security, cultural, and other issues to address, don’t let the opportunities pass you by honest because you haven’t understanding globally about your business in the past. The future is a global marketplace. deem globally. Rising Costs of Benefits In the United States, health care and succor costs generally have been rising at an unsustainable rate. modern federal health care legislation may address some issues; however, it is tranquil very likely that the costs will continue to rise. Thus, companies will be looking to shift the burden for the costs of benefits. Some of this will be shifted to the government, some will be shifted to workers, and peaceful other benefits will unbiased be chop because they are no longer affordable. Many companies have already chop their defined benefits pensions and retirement programs. Others have modified them to lower matching contributions when they aren’t making a profit. Others have shifted their health insurance to high-deductible plans which offer lower premiums, but also require workers to lift up mighty of the basic cost even when they exhaust health savings accounts. Thus the trend for many companies is to be more frugal with employee back offerings; however, other companies will consume their enhanced abet programs as a recruiting tool to attract the top talent in their industry. So each company must analyze their benefits in relation to their overall strategy to attract and support talent for their firm while balancing the overall costs of the programs. You must be able to reply the basic expect, â€Å"What is our compensation and benefits philosophy and how does if fit into our overall business strategy? Flexible Workplace The workplaces in the future will be more flexible. Once again, technology might be one of the driving considerations that makes this possible; however it is not the only factor. Younger generations are not only more accustomed to being treated differently, but in some cases examine that employers are flexible so that they can balance work-life issues. Unless there is a compelling reason for workers to be on spot during obvious hours, such as a doctor in an emergency room or a shift manager at a manufacturing facility, then employers should contemplate about how they can be more flexible in their workplaces. Allowing workers to tele-commute has both disadvantages as well as advantages, so there is not a simple legal or unsuitable retort for every company. However, design no mistake; some companies are working through these issues honest now so that they can offer flexibility for their employees that compliments their business strategies. This will be their key to attracting top talent. Demographics Demographics are definitely changing. In the United States where there is a tradition of immigration, there is a shift from the venerable white-male dominated workplace to a multi-cultural environment. This is happening at all levels from line-workers to management. Additionally, women will smash through the â€Å"glass ceiling† and rise to more senior management ranks. Beyond ethnic and gender considerations, age is also likely to play into the equation of workforce planning. Many leadership and managerial positions are now occupied by aging â€Å"baby-boomers† who will be retiring over the next five to ten years. This will inaugurate up current opportunities for younger workers, but only if they are prepared. On the other hand, some older workers will be working well past retirement age either because they haven’t saved for retirement or because they will be retained as famous employees due to their job experience. They might be willing to cease if their employer offers some flexibility like job sharing or a four-day work week. Outside of the US, industrialized nations will also need to deal with aging populations while the emerging countries will have younger workers who are involved to allotment in a more affluent lifestyle. Thus, CEO’s and HR managers are thinking about ways that their workforce will change in the next few years. Will you have ample leaders to replace aging baby-boomers? Will you need to relate younger workers to transfer the institutional knowledge that is currently retained by your more experienced staff? How will your company retract advantage of shifts to a more diverse workforce? These are all very famous questions that must have an reply if your firm is going to thrive in the future. Looking into the future is hard to do, especially in the 21st Century, but trends offer some clues. We live in a more complex and interconnect world. Events in one allotment of the world are speedily news everywhere over the internet, cable TV and mobile phones. Although it is an exaggeration to say that the gentle flutter from a butterfly’s glide in Asia can result in a hurricane on the other side of the globe, we seek the far reaching effects from events in one plot to other regions that would not have known about them in the past. Thus, it is notable to ogle for trends that will impact our world. If you can capitalize on the changes that result from the trends, then you can prepare to either pick advantage of them or minimize their despicable impact. These five trends in human resources trends are already impacting the diagram we do business. They will definitely continue to impact our world, and it is up to you to figure out how to leverage them to your advantage.

Literature Review Tuberculosis Article Health And Social Care Essay

Literature Review Tuberculosis Article Health And Social Care Essay According to the World Health Organization, a third of the worlds population is infected with Mycobacterium tuberculosis (World Health Organization). New cases were estimated to number 9.4 million with 1.8 million deaths in 2008 (Thomas). Gary Maartens and Robert J. Wilkinson published a review in the December, 2007 issue of The Lancet that outlines the current condition of tuberculosis(TB) in the world today. Specifically, the authors report on the status of research, diagnostic techniques, treatment options and the epidemic of HIV-associated tuberculosis in Africa. Mycobacterium tuberculosis is the bacterial causative agent of a disease that has been a leading cause of death for much of earths history and still is for many developing countries. Maarten and Wilkinson noted recent regional changes in the incidence of TB with improvements made in many regions while incidence in sub-Saharan Africa has increased. This increase is correlated with the HIV epidemic in Africa and presents complex challenges in the task of controlling TB. In addition to HIV, multidrug-resistant and extensively drug-resistant (XDR) strains of tuberculosis account for increasing numbers of new cases and recurrent disease in previously treated patients. The authors state that 4% of patients worldwide have a multidrug-resistant strain. Included in that percentage are patients with XDR strains. One reported study of a tuberculosis outbreak in HIV-infected individuals showed that 24% of those patients had XDR strains and this resulted in a 98% fatality rate (52 of 53 patients) . Genetic analysis of the bacterium indicated that transmission of the TB had been recent and it was noted that two-thirds of the affected patients had been hospitalized in the two years prior. The concern is that they may have acquired the XDR strain of TB while hospitalized, highlighting the need for better treatments and more precaution when treating these patients. Without improvements in rapid diagnosis and treatment, the incidence of drug-resistant strains will continue to rise. Genomic analysis has become an important tool in understanding microorganisms and Mycobacterium tuberculosis has been extensively studied and its genes have been sequenced. Analysis conducted on 875 different strains of Mycobacterium tuberculosis from 80 countries has resulted in the discovery of six distinct lineages of TB that seem to have adaptations to specific populations of humans. As an example, the east African-Asian strain affects people of Indian origin, regardless of where they currently live. Another strain, W/Beijing, has less specificity, affecting people all over the world, but it also seems to be more virulent. Each of these strains is the result of mutations in the DNA of the bacterium. Different strains of TB have different mechanisms which allow them to modulate or suppress the immune system response. Many of these mechanisms have to do with the molecules that comprise the mycobacterial cell wall such as phenolic glycolipids. Two large studies have identified that membrane-associated proteins, molecular transporters, and ion channels play a vital role in the virulence of TB. These discoveries not only help scientists better understand the pathogenesis of tuberculosis; they also provide new targets for treatment. In addition to the genetics of the bacteria, the genetic makeup of the host is critical. Specific receptors on human macrophages recognize specific molecules of the cell wall of Mycobacterium tuberculosis and trigger cellular signaling cascades that can result in greater host resistance or increased susceptibility to TB. Two of the receptors involved have a role in vitamin D activation and a deficiency of this vitamin has been noted in some tuberculosis cases, leading the authors to speculate about the possibility of vitamin D supplementation for prevention. Mutations in one of these cellular signaling pathways were shown in a series of studies to predispose individuals to severe atypical mycobacterial infections. This line of inquiry, identifying the specific genetic mutations that give rise to virulence factors in the bacteria or greater susceptibility in the host, could lead to huge advancements in the understanding and eventual eradication of TB, but the authors point out that th ese studies would need to be extensive, which equates to expensive. Diagnosis and treatment for tuberculosis hasnt significantly changed in decades. Microscopic analysis and bacterial culturing are the standard protocols used to detect a TB infection, but these techniques have drawbacks, the most obvious being the time and labor involved in culturing. Maarten and Wilkinson state the obvious by expressing a desire for a more sensitive test that is rapid and affordable. A few emerging candidates are discussed, including nucleic-acid amplification tests and enzyme-linked immunospot analysis (ELISpot analysis). Nucleic-acid amplification tests have not proven to be significantly better at identifying TB. They are also expensive and require specialized equipment, making them unsuitable for use in most developing countries with limited resources. The ELISpot analysis, however, has promise in that it shows greater sensitivity and specificity than the tuberculosis skin test (TST), particularly in differentiating between exposure to TB and an active infection . In addition to assessing whether a patient is dealing with a tuberculosis infection, it is critical to know whether the strain of TB is drug-resistant. Current methods of determining drug resistance require 6-8 weeks, but microscopic analysis of liquid culture growth can be done within 10 days and has the advantages of being inexpensive and easily available, even to locations with limited resources. HIV infection further complicates diagnosis of tuberculosis and a determination is frequently made based solely on clinical symptoms and x-rays. This can lead to faster treatment, but could also be a contributing factor in the creation of resistant strains. Current methods of treatment involve a cocktail of medications taken for at least six months. This protocol typically has good results, even in patients with HIV. The treatment strategy utilized internationally is called directly observed treatment short course (DOTS). This method of control has contributed to gains made in prevention, diagnosis, and treatment, but still has many shortcomings. The authors advocate a combined approach and point to very high adherence rates for HIV treatments with a more patient centered approach, which empowers the patient to take care of themselves rather than reporting to a clinic to be observed taking a medication. The medications used to treat TB have changed very little and new medications are desperately needed, especially in light of the increase in drug-resistant strains. A commonly used medication, rifamycin is proving to be less effective in patients with HIV due to the development of resistance or because of some metabolic process reducing the concentration of the medication in their bodies. Fluoroquinolones have been shown to be effective but seem to be prone to rapid development of resistance and toxicity. The authors report on two new antimycobaterial drugs that have novel mechanisms of action and are in the process of testing. The complications of treating patients with HIV and TB are many. Most of the symptoms of TB are due to immune response (immunopathological), but the immune systems of HIV patients are already suppressed. The medications to treat TB can further suppress the immune response leading to an increase in viral load and the possibility of more opportunistic infections. In addition, many of these medications have proven to be hepatotoxic, which HIV patients are even less equipped to handle. Complications can also include paradoxical deterioration whereby the treatment of HIV results in a worsening of TB symptoms. The important point is that more research is required to understand the immune system functionality in concurrent infections of TB and HIV. The treatment of latent infections is aimed at preventing these infections from becoming active, particularly in immunocompromised patients. The most common strategy is a 6-12 month course of isoniazid. Although widely used, this treatment carries the same risks of medication resistance and hepatotoxicity as other TB drugs. Additional information on the physiology of latent infections could lead to better drugs and better strategies for treatment. Vaccination, which is widely available in Europe, but not used in the United States, has shown some efficacy in preventing severe TB infections in children, but the length and strength of protection is in question. Tuberculosis is still transmitted, allowing the continued spread of the bacteria. Novel vaccines are being tested and a few show promise to provide better protection. The authors reiterate the need for large, long term studies. Sub-Saharan Africa is experiencing an epidemic of HIV-associated tuberculosis. The capacity to manage this epidemic is severely hindered by socioeconomic, medical infrastructure, and political issues. Treating with antiretrovirals has reduced the number of cases of tuberculosis, but HIV patients are still much more likely to develop tuberculosis. The best preventative measure seems to be to reduce the incidence of HIV and the best treatment strategy is to identify and treat active tuberculosis. Treating both HIV and tuberculosis concurrently poses special problems. Many of the drugs have potentially negative interactions, either reducing efficacy or increasing toxicity. In addition, there is the possibility of immune reconstitution inflammatory syndrome. This disorder manifests as a worsening of TB symptoms in a patient that was improving, likely due to an improved immune response resulting from treatment of HIV. In essence, successful treatment of HIV results in an escalation of tub erculosis symptoms. Steroids used to treat the TB have some success, but at the risk of increased complications from HIV. There is a fine line in concurrently treating these diseases and much more to understand about it. This article serves both as a reminder of the enormity of the problems associated with Mycobacterium tuberculosis and as a call to arms for more research. With a third of the worlds population affected, it is extremely surprising that we dont have a symbol, a color, a celebrity backed telethon with accompanying song, or a three-day walk to raise awareness and money for research. I suppose part of the problem is that the problem is over there and so we in America are less aware. Preventing the spread of the bacteria seems to be the best option for a long term reduction in incidence, and a new vaccine would seem to be the logical next step. In reading the article, it seems the challenges in treating tuberculosis are almost overwhelming. Tuberculosis lives and multiplies in the macrophages of the human immune system, the very cells that would normally play a key role in eradication of a bacterial infection. This uncommon arrangement, in addition to the complexity of the interactions bet ween humans and Mycobacterium tuberculosis, is key to understanding the disease in the hope of finding better solutions. If we could find a way to induce the bodys immune systems to attack the bacteria itself without the formation of tubercles or other negative effects, that would be an ideal solution. If that is not possible, we need to find those mechanisms or characteristics that are unique to the bacterium or its pathogenesis and create a drug to act on those. The challenges are many. The authors repeatedly used the term political will and it seems that this may be the key to resolving the problem of tuberculosis. While the article serves the purposes of reminding and rallying, it seems to be written for those already familiar with the disease and is poorly organized. The authors seem to hopscotch about with very little in the way of transition, making it difficult for a novice to assimilate the information. It is a good review of the current direction, but without the foundatio nal information required to understand what it means.

A History of UK Newspapers | Analysis

A History of UK Newspapers | Analysis This newspaper assignment will set out to critically analyse newspapers by comparing political persuasion, ownership, readership, content and style. The chosen two newspapers that will be analysed will be The Sun and The Guardian. The researcher has chosen to analyse, for this assignment a newspaper story exposing taxpayers cash being wasted by EU chiefs. A brief history of Newspapers British newspapers can be traced back to the 17th century, but they were very different to the types of newspapers many people read today, the information in these early newspapers mainly got distributed to the public in the form of posters, news sheets or pamphlets. The first true British newspaper to be published in Britain similar to the ones we read today was the Oxford Gazette in the year 1665. (London-gazette.co.uk). Although this newspaper was originally called the Oxford Gazette it later changed its name to the London Gazette because of a decision by King Charles the II to move his government to Oxford. The London Gazette from the beginning was a good source of reliable news, especially for information overseas. In fact Wellingtons Waterloo victory was published first in the London Gazette. (London-gazette.co.uk). Brief history of The Sun newspaper The Sun was first published on the 25th of January 1911 and was originally called The Daily Herald. Initially a left wing paper, it was printed periodically to offer support to strikers at the time. In 1922 it became the official newspaper of the (TUC) Trade Union Congress and was a Labour Party supporter at the time. (Historic newspapers.co.uk). After changing its name from The Daily Herald to The Sun, The Sun printed its first edition on the 15th of September 1964. After a short period of two months from the first edition, world media tycoon Rupert Murdoch acquired The Sun after unsuccessful bids by Robert Maxwell. (Historic newspapers.co.uk). The Sun newspaper is owned by The News Corporation Group and is part of the News Group Newspapers. Published daily it sells over 2899,310 copies per day, and at its peak in the mid 90s The Sun was selling over 4,000,000 newspapers a day. Normally considered to be Conservative, The Sun has been known for supporting the ruling party, and even supported Tony Blair during his three election wins. (Historic newspapers.co.uk). The readership age average of The Sun is 15-24 year old, having a higher % of male reading The Sun than females. The Southeast of England has been shown to have the highest readership of The Sun newspaper. (Ipsos-mori.com). Brief history of The Guardian newspaper The Guardian newspaper, originally known as the Manchester Guardian was first published on May the 5th 1821 and founded by a man named John Edward Taylor. The Manchester Guardians intention at the time was to promote liberal interest in the aftermath of the Peterloo Massacre and the growing campaign to repel Corn Laws that Manchester suffered from at the time. To begin with the newspaper was published weekly until 1836 when it was published every Wednesday and Saturday, by 1855 the newspaper became daily. (Guardian.co.uk). Under the editorship of C.P Scott, The Guardian achieved national and international recognition and held this post for 57 years. CP Scott bought the paper in 1907 pledging to uphold the principles of the founders, that the newspaper would retain its independence. After retiring from an active role in managing and editing the newspaper, C.P Scott passed control to his two sons John Russell as manager and Edward Taylor as editor, where these roles would remain until the death of C.P Scott in 1932. Unfortunately only four months after the death of his father, Edward Scott died and sole ownership was passed to J.R Scott. In 1936 this sole ownership was then formally passed to the trustees of The Scott Trust. In 1944 AD Wadsworth took the post of editor where in 1964 the editor and paper moved to London. (Guardian.co.uk). The political persuasion of The Guardian as always learned towards the left supporting Labour throughout most its history, however it has been known to support the LibDems and even supported Conservative in the 1955 election. (Guardian.co.uk). The average readership age of The Guardian is 24-34 year old, with a higher % of males reading The Guardian than females, London has the highest readership of this newspaper. (Ipos-mori.com). The difference between broadsheet and tabloid newspapers Income, age, social class and education have all been shown to have a positive correlation between who reads broadsheet or tabloid newspapers. Tabloid newspapers are usually smaller than broadsheet papers with a simple style, having many more photographs and often focusing on gossip and celebrity news rather than political affairs. Tabloids prefer to use a journalese style of writing promoting emotion in its readers using words like huge, crackdown, bubbly blonde, love rat, love child and cops instead of Police. Broadsheets in contrast like to use longer sentences and paragraphs often going into greater detail in their stories using a less dramatic approach in their writing style. (English lesson 2, newspaper hand out). Analysing the newspaper articles on Yuri Gagarins 50th anniversary first space flight The first main difference that is noticeable between the two chosen newspapers is the style of headlines, The Sun states in its headline First man in space parachuted into a ploughed field and had to borrow farmers phone to tell Moscow he was safe. The Sun is clearly using a comical approach in this headline trying to show the incompetence of the Russian space program at the time, in contrast The Guardian uses a more professional approach in its headlines stating Yuri, we have a problem: secrets of Gagarin trip revealed. The second noticeable difference is the introduction of the two stories, The Sun emphasiss emotion in its readers by using big words such as out of this world, huge blow, and his feat. However The Guardian hints at more informative facts within its story, taking a professional approach mentioning Newly released files cast light on hitches, drawing its readers into the story by hinting at facts and figures. The third noticeable difference between the two stories is how the two papers are structured. The Sun breaks its story up into little sections by using subheadings such as Orbit, Blurry and Spirit, making the story quicker and easier to read by jumping to certain sections of the story if the reader chooses too. The Guardian however chooses not to do this, making for a more comprehensive read. The fourth difference between the two papers is how they give the information within the story. The Sun chooses to give little snippets of information, giving their readers a choice to gain information quickly if they choose too, they do this by adding a timeline and adding subsections. The Guardian again, chooses not do this only giving their readers a choice of the main story or a sub story on a mall statue. The fifth difference is the style of picture between the two papers The Sun uses a larger more dramatic picture mixed with images such as the Vostok 1 blasting off, Gagarins funeral, Images of space and Yuri Gagarin in training. The Guardian however has a much smaller picture only showing Gagarin in his cosmonaut suit. The sixth and final difference between the two newspaper stories is how they are written. The Sun uses a journalese style of writing, for example its story has many words such as tiny, plunges, dramatic, plummeting and profoundly making for a very dramatic read. The Guardian however has a more down to earth approach to its story using more formal words such as technical, acceptable, apparatus and intrigue. Conclusion From analysing the two newspapers it can be clearly seen that they are designed to cater for two very different types of readers. The Guardian seems to be aimed for a more professional type of clientele. The reader of this paper will probably have a university education, with strong political views. The Guardian readers are also more likely commute to work on long train journeys. The style of writing in The Guardian paper gives a more comprehensive read with an in-depth approach to facts and figures it is perfectly suited to the more professional type of individual. The Sun, in contrast seems to be aimed at a totally different type of clientele. With its eye catching headlines and easy to read stories giving short snippets of information. This paper is ideally suited to the individual who is not that fussy on politics, whose education probably ended in college or secondary school, and makes short journeys to work getting small tea breaks throughout the day. The style of The Sun newspaper is perfectly suited to this type of individual who is probably on the go most of the day and doesnt get much time to take in the daily news.

Your Better Half:Hemisphere Specialization of Language :: Biology Essays Research Papers

Your Better Half:Hemisphere Specialization of Language You probably write with a particular hand, kick a ball with a particular foot, peer through a telescope with a particular eye, and raise the telephone receiver to a particular ear. It is thought that this has to do more with your brain and "neurological wiring" than habit. But what does this mean? You have probably heard of hemispheric lateralization- hemispheric referring to the division of the brain into left and right halves, and lateralization describing the brain's tendency to make the two halves specialize in controlling different functions (1). Furthermore, the right side of your body is controlled by your left brain while the left side of your body is controlled by your right side of the brain. The connection between the hemispheres is the corpus callosum, a thick band of nerves. One of the most common beliefs is that the left hemisphere controls symbolic processing and rational thinking whereas the right hemisphere is more artistic, intuitive and creative (2). Many myths have emerged from this idea (5). We often hear students complain about being "right-brained in a left brained world" and others claiming that they do not perform well in a particular subject because they are either right-brained or left-brained. I remember being told that you should listen to lectures with your "dominant" side of my brain. In fact the idea has become so infused in today's society that we see several prevalent views of the left brain/right brain theory. A couple years back there was a car advertisement for Saab, which claimed the car as a "car for the left side of your brain." With so many simplified and popularized views of brain lateralization the task of sorting the fantasy from reality is daunting and not so easy. The big question remains standing- does hemispheric asymmetries exist and if so to what extent can we categorize functions as right or left brain, looking specifically at language? At first glance the human brain appears symmetrical, leading one to wonder how it is that behavioral asymmetries emerge from biological identical hemispheres. Yet there are many cognitive and behavioral asymmetries in humans documented, many of which can be attributed to one hemisphere of the brain or the other (1) (5). Yet before we explore hemisphere specialization it is interesting to note that the left and right hemisphere have shown to function independently.

Behavior Essay -- essays research papers

Behavior- Behave, it its root form, means to contain or to have. In the reflective sense, it means ‘to have bear oneself’. To use the word behave in common conversation, it is understood as to ‘behave well’. As for the phrase ‘to behave badly’, it is understood immediately. Behavior is looked at in society as the way a person presents him or herself in a given situation. It is also related to the specialized sense of manners. Use of the noun to refer to public conduct or, in a moral sense, to a general range of activities is still quite common. But the term is also used in relation to plants, lower organisms and animals to describe the apparent activity of the whole organism. One particular meaning followed from the extension of the methodology of the physical and biological sciences to an influential school of psychology which described itself as behaviorism. Psychology was seen as a purely objective experimental branch of natural science and data of a mental or experimental kind were ruled out as unscientific. This had the effect of limiting the nature of human activity to interactions determined by an environment, other conceptions of intention or purpose being rejected. Many socially applied fields such as communications and advertising, the relatively neutral physical senses of response have been developed into a reductive system of controlled behavior as a summary of all significant human activity. The most important effect is the description of certain intentional human practices and systems as if they were natural stimuli, to which responses can be graded as normal, abnormal or deviant. The sense of independent response is weakened, with important effects in politics and sociology. Bourgeois- Originating in the French language, bourgeois indicates an inhabitant of a borough. Under the feudal regime in France, bourgeois was a judicial category in society, sometimes defined as a trustworthy citizen whose being in life is stable and content. Bourgeois was a word mostly used by the aristocrats because of their contempt for the middle-class. It was also used by the underclass in a sense of respect. The steady growth in size and importance of this bourgeois class in the centries of expanding trade had major consequences in political thought, which in turn had complicating effects on the word. A new concept of society was expressed and transl... ...t controlling intermediary between producers, an employee of labor, or as the owner of the means of production. Career- Definition- The word career is so regularly used to describe a person’s progress in life that the original meanings of the word have been long forgotten. The word career originally meant any rapid or uninterrupted activity. It was used when referring to a carriage road or a racecourse. Career began to evolve when it was used with reference to diplomats and statesmen. The word soon began to indicate progress in a vocation and then the vocation itself. Today, career is inseparable from the terms work, labor, or job. It has been applied to jobs with explicit internal development and has been extended to any favorable or desired occupation. Career is still used in the abstract sense of politicians and entertainers, with some conscious and unconscious class distinction, to work or a job which contains some implicit promise of progress. Career now usually implies continuity if not necessarily promotion, yet the distinction between career and job only partly depends on this and is often associated also with class distinctions between different kinds of work.

The Problem with Evil. Essay -- essays research papers

Arevalo 1 Michael Arevalo Philosophy/Extra Credit 02-03-02 The Problem With Evil The Problem With Evil refers to the statement; "No evil happens to a good person in this life or after death". The question at hand refers to the statement being accurate or not. Depending on how you define the words; â€Å"good†, and â€Å"person†, this statement may be construed as inaccurate or accurate. We must first define the words â€Å"good†, and â€Å"person†. The American Heritage defines â€Å"good† as being; (1a) â€Å"Virtuous; Valid or True†. It also defines â€Å"person† as; (2a) â€Å"Self; the personality of a human being†. However the Dictionary also has these alternative definitions: good – (1b) â€Å"Genuine; Real†: person – (2b) â€Å"the living body of a human being†. If you are to believe definition (2a), that there is more to a person than the physical body, our statement in question could be considered accurate. The thought or notion to be â€Å"true†, and or the â€Å"personality of a human being† is a concept. These concepts are forever true or changeless (eternal). Our ability to become aware of these concepts may illustrate somet...

Module One: Text Questions Essay

1. The financial choices we make impact our economy. Think of a recent item you purchased. What factors influenced your decision in making this purchase? Did this purchase impact your local economy? Explain why or why not. A recent item I purchased was a Patte Kode yesterday with a few friends after a SGA meeting. The factors that influenced me to buy that item were my hunger, the near location of the Haitian establishment to my school, the price, and past experience of buying the patty. By going with four friends I was able to introduce three out of the four to the restaurant in turn creating more business and consumers for the restaurant which impacted my local economy through the money that we spent. The money paid will be used to pay the workers which will also help the workers who work there to be consumers in our local economy. 2. In the lesson you learned that a market economy is where the prices of services and goods are determined through a free system. Tell what you think an advantage and disadvantage is of this type of economy. The advantages of a market economy is the ability for an individual to purchase any product that they wish through any company, the creation of competition which help to create either better quality products, cheaper products, or a mixture of both in turn giving consumers choices to choose from, and also the ability to create and own your own businesses if you wish. The disadvantages of such a system is limited government influence, because of limited government influence/ regulations workers rights are sometimes not taken into consideration and our natural resources and environment are depleted through lack of care and consideration because it’s all about making a profit. Government regulation is needed to keep businesses/ corporations in check. 3. Every day you hear on the news about different issues in the global economy. Have you recently experienced anything in your own community that was a factor from something that happened globally? Was this a good thing or bad? I haven’t experienced anything in my community from a global factor. But I have been noticing that the quarter is no longer worth what it used to be, I’m not sure if this is because of a global factor or just a national factor but no longer do I get what I used to for a quarter. Last week my family and I went washing at a local laundry matt, while we were removing our clothes  from the washer getting ready to placed them in the drier we realized that now instead of getting 10 minutes of drying time for one quarter it was now only 8 minutes. At first I didn’t think it was a major difference, I thought to myself, â€Å"Two minutes less oh well that’s not so bad†. It was until I put 75 cents into the machine I realized what a huge difference two minutes can be when multiplied. I was so annoyed because instead of putting three quarters in to dry my clothes I had to put four instead. In a way I felt cheated out of my quarter. In all with the drying of my clothes, my two sibling’s clothes, and my parent’s clothes we had to spend an extra $2- $2 that could have been spent on something else. 4. You are now familiar with government and how it plays a role in our economy. What are the advantages and disadvantages of governmental involvement? What changes would you make to improve government’s role? The advantages of governmental involvement in our economy are the regulations and limitations set for business- such as setting a standard for minimum wage, regulating working conditions, preventing the exploitation of workers, enforcement of workplace safety, setting pollution and environmental standards. I do not see any disadvantages with government involvement, governments are put into place to govern and protect their citizens, so in other words government involvement is a plus in our economic system because without it everything would be in turmoil. The changes I would make is increase government involvement in concerned with immigration – a few months ago I watched a documentary in class about the mistreatment of undocumented immigrants who worked at warehouses and factories in the U.S.- Governments should set more regulations for companies who like to hire undocumented immigrants as a source of cheap labor, to help improve working conditions for them and to prevent the exploitation of these immigrants. 5. In order for North America to operate as healthy economy, what do individuals need to do to contribute to the success of the country? How is our economy impacted when people make bad financial decisions? In order for North America to operate as healthy economy individual will need to be more finically conscience by making wise decisions in terms of how they spend and what they spend their money on. Also individuals need to be a part of the labor force to continue to be a part of the economy and help it keep it running smoothly  by being a consumer and paying taxes that will then help implement free services for citizens. A recession is the effect when people make bad financial decisions, an increase in national debt, the removal or cutting funding for social services, and increased unemployment rates.

Grizzly Man Essay

Grizzly ManIn Grizzly Manamong the controversy steamy by the manner of Tread tumesce, the central desire expressed in the film is that the temperament is and then electroneutral and diversity should non cross the border gillyflower between man and spirit.Wild faunas are not friends of merciful. Treadwell raise all his heart to the cause of defend the cuts. He repeated in his films for mevery times that he loved them and he was forgeting to die for them. He tended to attribute them like many state do to the dogs and cats, but he forgot they were not those subdue pets. He touched bears in a way that seemed to irritate them. He by chance had a belief and confidence that the bears also saw him as their friend and treat him differently. simply in fact they didnt. In the narrators opinion, the common denominator of the humanity is not harmony, hostility and murder. Treadwell spent 13 years with the bears and he thought it was a wonderful and simpler world, he even valued to become a bear, but in reality it is a hash world. In those big and infuriated bears eyes, they see all nutriment and they n forever regard him as a friend. The narrator tells this observation at the endfrom all the faces, all the bears that Treadwell ever filmed, I discovered no kin send out, no understanding, no mercy. I see exclusively the overwhelming indifference of nature.There is an final invisible line between bear and human. The line has been respected by autochthonous people and the majority of the public. They know it is a very different world from the virtuoso where human lives. when you cross the line, you pay the price. the curator of the Kodiaks Alutiiq Museum mentioned this principle that has been strictly observed for 7000 years. He doesnt agree with Treadwells behavior of staying too intimately with bears. He believes that he has crossed the invisible boundary, that is, the line which has been mentioned above. So even if Treadwell was repeatedly d eclaring that his chief(prenominal) purpose was to protect bears from poachers, he didnt realize that his behavior was another large-minded of invasion of their habitat and he was doing a lot of damage to them. He got taut to those bears crazily and in un undue way.He violated the reasonable rule of the putting green that one should maintain at least 100 yards of distance from the bears. He lived with them and time-tested to relieve oneself the bears get used to the humanity of human, which was very dangerous for bears, and so on. As the narrator says in the movie, the best security for the animals is that of their habitat. all action of protecting animals by invading their habitat is not coaxing and of course throw outt do any good to them. Like Treadwell, during his 13 years, he didnt give bears any practical protection except dowry them a delicious dinner with his and his female childs bodies. animation of PiThe turn over presented in this movie is that human and fe rocious animals can co-exist amicablely if human can meet the pick needs of the animals and nature can give human want and direction to survive.Darwins theorythe survival of the fittest, emphasizes the fierce and somewhat ruthless skin of survival among the species and the individuals. It is indeed true in most cases. however in Life of Pi, it describes a picture of human and animals co-existence in a to a greater extent harmonious way and proves that their struggle and contradiction in terms are not so irreconcilable. In this movie, Pi was taught at his childhood by his father, that the animals, esp, the tiger, etc are not his friends. So at the first of the gasconade, Pi didnt opine to co-exist with the tiger. He had had the chance to kill it. plainly his virtuous nature didnt bequeath himself to do so. So he do the final decision to co-exist with this ferocious animal. He supplied the tiger with food and fresh wet to survive so that he himself would not become the din ner of it. The threat to severally other and the certain kind of peaceful co-existence helped them persevere to be saved at last. Even Pi himself admitted that the fear of Richard Parker kept me alert. I wouldnt survive without Richard Parker. humankind actually should be grateful to nature. reputation provides them with the animals living in it and therefore sustains humans biography. In the movie, nature is inert by the storm which caused the disaster of the ships sink and took away so many peoples lives. But on the other side, during the hopeless drift on the sea, nature also gave them food in the sea. It led him to the island when Pi had already lost his hope for survival, which made him remember the hope for life. Nature gave these seemingly coincidences to make for Pis survival from this disaster.Which kind of view do you agree with? analyze 2 different views presented in these two movies, the former is more persuasive and reasonable. discussion the relations between human and nature, people should always remember that nature is indeed indifferent and keep a proper(a) distance away from nature, especially the animals. Any human action which interferes with their natural life in an undue way will surely provoke the revenge of nature and pay a price for what they do. estimate of teachers view teacher may agree that nature is indifferent but to some extent human and can get along well with each other unless both of them take overt cross the borderline and do harm to the other. Because America is a nation which pays a lot attention to environment protection. They wear downt encourage too much intimacy with nature for they know the ruthless and indifferent nature, so they do a good job in establishing the wildlife reserves. But on the other hand, they love to be close to nature.

Journal Article Review Homeless Veterans Essay

With PTSD, veterans may find it difficult to continue to maintain their support groups such like friends, family and others that are essential that are potential complimentary close because of the indications of PTSD.Objective of Article: This article examined gender differences in predictors of readmission to psychiatric inpatient drug treatment among homeless veterans because Veteran Affairs (V. A. ) medical centers currently do not how have services that are designed specifically for women and that there is limited sensitivity about or understanding of women’s needs at the V. A.Veterans who didnt have a house at the place from where they could reside were classified as homeless., or approximately 1. 4 million of a total of 25. 5 million veterans. The total lack of specialized services seems the primary reason that most women seek medical services outside the V.

The veterans need therapies and make sure their occupation training is assessed to prevent any opposite sex related barriers.for women in drug treatment (p. 60). Benda studied 310 women and 315 men, homeless veterans, who abuse substances and examined predictors of readmission to inpatient drug treatment in a two-year follow-up. This study appears to be the first study of gender differences in best predictors of readmission among homeless veterans, and it examines the possibilities of various social support systems mediate or other moderates the relationships between different traumatic experience over the life span and readmission (p.Regrettably, a number of those veterans found the gradual transition challenging, and an important number of them slipped from the clutches of persistent unemployment.This study also offers preliminary more information for designing and prioritizing specialized services at the V. A (p. 63). Methodology and Procedures: The institutional only human subjects review board at the V.

Models like home first require.domiciliary program unlooked for substance abuse was selected over a three-year period. Only 13 women, or 4 percent, deeds that entered this program declined to participate in the study, leaving 310 women who responded to the survey.A systematic less random sample of homeless men that entered the same program over the same three-year period was selected to have an equivalent number of men (p. 64).Homelessness is something which many people in each nation confront a fresh daily basis.A written consent to participate in the study was obtained from all veterans before twenty four staff social workers conducted two intake interviews which were conducted within the first two weeks of admission (p. 66). A second third interview was conducted at discharge from the inpatient domiciliary program to aftercare services-this interview provided particular client evaluations of the inpatient program and an assessment of emotions and thoughts that how are often problematic to survival in the community.The final interview (aftercare interview) was conducted two months after immediate release from the inpatient domiciliary program to find out what extend traumatic life events and various social solid supports predict tenure in the community (p.

Its very common.Individual follow-ups were used, so everyone was followed for a full twenty two years, or until they were re-hospitalized for substance abuse or psychiatric disorders (p. 68). Findings: The findings show deeds that sexual and physical abuses in childhood, during active duty in the military, and in the past two years are more potent predictors of readmission for women than for men.Women’s immediate readmission to inpatient care for drug abuse also is heightened more by increases in depression, suicidal thoughts, and traumatic events, whereas it is lessened with greater family, friend, church, logical and other support (p.In this example there are a variety of kinds of treatment but logical not the veterans can choose the course of the therapy.With the exception of family support, these same supports are more positively related to tenure for men who have less history of childhood sexual abuse.Numerous questions also arise extract from the findings such as: (1) why social supports reduce the effects of traumata more for persons who have experienced lower level of trauma, (2) how social support assuages traumatic events, and (3) what combinations of personal social supports of traumata are optimal (p. 78). Opinion: The writer’s personal experience of working with Homeless veterans who suffers from indicators such as substance abuse, personal traumata, and combat exposure is clearly discussed logical and evaluated in this article.

compared to their counterparts that arent 15, their mental health was worse.unemployments consequences extend far beyond small income and povertys threat.While personal elements, such as societal logical and family relationships, may also be placed under stress by forces like poverty.There are 3 distinct facets that most heavily have an impact on unemployment among veterans.

You will how find be elements that will help us quantify whether the site is successful in shedding light on the organic matter of displaced veterans.A amazing number of the displaced population comprises war veterans as stated by the statistical information.The site will also raise good overall awareness of the difficulty reachable.In the long run, this site is for their advantage.

Woodlawn Case Part 3

fortune activate 3 make-up for the chief financial takeicer at that place atomic number 18 some(prenominal) requisite daybook entries that form been do to sort come out the un set tryout chemical equilibrium. For revision for uncertain method of billings 1. In 2009, $ 58,621. 84 was right off scripted off to abominable debt disbursal reflecting the touchstones owed by guests who had departed snap off during the social class. The diary ingress would turn out been temperament as Dr adult debt cost 58,621. 84 Cr disc everywhere referable 58,621. 84 To playscript the uncollectable desc difference oer receivable to guest bankruptcy.The conditions of victimization the demand get down method is each for companies in their starting class of operations, or for whom spoiled accounts atomic number 18 immaterial. Woodlawn does not move any case. in that respectfore, it is slander for Woodlawn to manipulation the rule write off method. The succeeding(a) ledger entre is what should watch been bear witnessed, Dr stip wipeout for dubious account 58,621. 84 Cr narration receivable 58,621. 84 To track recruit the unsound measuring rod repayable to customer bankruptcy. because, the next modify entranceway is make to conform the cost of $58,621. 4. Dr. re valuation account for in question(predicate) account 58,621. 84 Cr. deadly debt write down 58,621. 84 To memorialize the chastening of erroneousness make in acknowledge. 2. Historically, heavy(a) debt has averaged out to approximately 1. 5% of revenues. Therefore, we presage that dingy debt in 2009 would be 1. 5% of revenue. The journal entre is the following, Dr. unsound debt exp stop overiture 20,279. 28* Cr. adaption for enigmatical account20,279. 28 To record the pronounced regretful tote up. *( reckoning 1. 5%*$1,351,951. 83=20,279. 28) 3. As Tim mentioned that Woodlawn has accredited $93,256. 1 thats over 90 geezerhood early (prenominal) due since rarified 31, 2010. There is no journal presentation inevitable to be done, since it had recent the pecuniary course of study end. 4. Woodlawn has not sure $69,942. 13 from Erie confine thats away due over 90 grades. tho since Erie incessantly pay its bills, on that point is no privation to write-down Erie particular to AFDA. No familiarised adit contract. 5. advisement of follow derive of fee for provisional accounts (AFDA). surmisal for calculating AFDA we estimate the fortune for AFDA in 2010 to be 11%. This affection is ground on 1.Based on the study Michael provided, the worsened of the time out is over and on-line(prenominal) sparing conditions nonplus modify since lowest month. 2. Customers be salaried pokey whence prior course of studys due to shitty economic conditions. Therefore the lot of AFDA should polish in a sphere among percentages of 2008-2009, which is 4. 9%-13. 1%. We estimate 11% to be a sto p choice. The core amount of AFDA stopping point relief is 11%* $374,692. 53=$41,216. 18 In ordinance to foreshadow the AFDA amount needed to adjust, we need the AFDA opening balance which is $35,000 from running balance, the bailiwick of faulting make in write-off $58,621. 4. $ 58,621. 84 $35,000 ? $41,216. 18 ADFA ? = $41,216. 18+$58,621. 84-$35,000=$64,838. 02 The familiarised introduction is do base on the foregoing information, Dr braggy debt write down 64,838. 02 Cr border for questionable accounts 64,838. 02 To record the readjustment make for requital for perplexing accounts at the fiscal stratum end. For damages Calculation of the adjustment of postpaid outlays at the year end prepay restitution for the radical of folk 1, 2009 $9,300 restitution from Fife policy amends check 2010/05/20-2011/05/20 nub $12,885. 48 For the result antecedent at Sept, 1 2009, to year end at marvelous 31,2010 is 103 days in total, number restitution put down = $12,885. 48* 103/365=$3,636. 18 sleep postulate at year end=$12,885. 48-$3,636. 18=$9,249. 30 postpaid expense adjustments =$9,300-$9,249. 30=$50. 70 The adjusted portal is do ground on the front calculation, Dr redress expense $50. 70 Cr pay insurance$50. 70 To record the adjustment of pay insurance