Financial Management Assignment Example | Topics and Well Written Essays - 2000 words

Financial Management - Assignment Example The analysis of the data present in the financial statements helps the top level management of the organization to take a correct decision. The decisions taken after proper analysis of the financial statements are appropriate having reduced chances of flaws. The financial statement is known as the raw form of data which cannot be utilized by anyone without proper knowledge. In such case implementation of different types of analysis tools bring accuracy in the analysis process. Ratio analysis is one such important analysis tool which helps in the analysis of the financial performance of an organization. Ratio Analysis Any sustainable business needs effective financial planning. Ratio Analysis is an essential management tool which helps in improving the financial performance of an organization over time along with providing key indicators associated with the organizational performance (Siddiqui, 2006). The managers use ratio analysis for assessing the strengths and weaknesses of the or ganization based upon which new strategies can be evaluated. ... s financial performance, the financial ratios act as an indicator indicating the places where the company requires rectification for achieving competitive advantage. Moreover when the ratios are far above or below the industry standards then it indicate that the company needs to change its existing strategies for bringing their ratio values close to the industry average. There are mainly four types of ratios: 1) Liquidity ratio 2) Profitability Ratio 3) Solvency Ratio 4) Efficiency ratio Liquidity Ratio The liquidity ratios help in finding out whether a company is able in repaying its short term debt in a proper manner. This ratio is very significant because if any company fails in meeting its short term liabilities then it may even lead to bankruptcy (Gallagher and Andrew, 2007; Hitchner and Mard, 2011). High liquidity ratios signify that the organization is performing in an efficient manner for meeting the short term liabilities. In the context of liquidity ratio, two ratios of Kin gfisher Plc have been calculated. The first is the current ratio and the second is the quick ratio. Current Ratio Current Ratio is measured as: Current Ratio = Current Assets/ Current liabilities Calculation of Current ratio As on 1.1.2012 As on 1.1.2013 Current assets 2989 3068 Current liabilities 3050 2870 Current Ratio 0.98 1.07 The current ratio will help in finding out whether Kingfisher Plc is performing in an appropriate manner in order to meet the short term liabilities or not (Kuppapally, 2008). The current ratio of the company has increased from the year 2012 to 2013. This implies that the inventory value of the company has increased significantly. Kingfisher Plc is utilising the current assets in efficient manner for meeting the current liabilities. Quick Ratio Calculation of

Interpersonal Relationships in the Work Place Essay Example for Free

Interpersonal Relationships in the Work Place Essay In todays world, there is a need for work to be done as quickly as possible. And for this purpose, working professionals need to have good relations between each other. Healthy professional relations can be maintained by effective workplace communication and teamwork. Interpersonal relationships at work gradually develop with good team participation and communication with other members. You can say that everything at the office depends on good relationships between employees and the management. Interpersonal relationships at work are absolutely essential, as they help workers to have a mutual understanding between themselves. I believe that that strong interpersonal relationships at work lead to motivation among employees. The main benefit of having interpersonal relationships at work is that they work in a team. If there are healthy interpersonal relationships in the team members, they certainly tend to work collectively towards the prescribed goal. Teamwork also contributes a lot to a healthy work environment. Employees feel good to work if there is a favorable environment at the workplace. If employees have a mutual understanding with each other, there are very less chances of any kind of workplace conflicts. Communication is one of the most crucial interpersonal skills to be practiced at the workplace. Without effective interpersonal communication, there will not be a smooth and clear flow of ideas, resulting in confusion. A true professional will always talk to other executives, with looking directly into the eyes. Always smile when you speak with others, in a face to face talk or even on the phone. The smile will make others comfortable and it will also be apparent in the tone while on the phone. I believe that an effective supervisor needs to refrain from showing favoritism; make difficult, sometimes unpopular, decisions; show concern for subordinates without appearing to pry; and avoid misusing supervisorial power. Supervisors need to strike the right note in their interpersonal relations with workers. About three month ago there was an incident at my place of employment. My manager pulled me into her office and closed the door. Immediately I replied did I do something wrong? She replied no you actually did something so right. She said one of our patient’s family members over heard a conversation that you and another employee had. I knew exactly what she was talking about. A coworker of mines came up to me while I was in a patient’s room and yelled out â€Å"why didn’t you sign off the water log yesterday. I politely said im sorry but it may have been a mistake. If you give me a minute to finish what I am doing here I will come over and take care of it. She said â€Å"what ever, we will see†. The visitor looked at me and said that was very rude but you handled that professionally. With a smile on my face I said thank you very much and left the room. I immediately went to my coworker and politely explained how rude and disrespectful she was to the patient and her visitors. She understood what I was saying, she then apologized to me the patient and the visitors. My manager knows how rude my coworker can be on a daily basis. So she then pulled her in the office and asked us both how us we work the incident out. We both gave our side of the story and we both told the truth. My manager then presented me with a Starbucks gift card for being employee of the week. When communicating with other employees, it is fine if you add a bit of humor to the scene, just to release the stress and tension involved. Make sure you do not get involved in the blame game. Always ensure that you stick to what you said. It is a good idea to share what you recently accomplished and found out. This creates a feeling of openness among the team members.

The Media: Does It Shape Societies View on Femininity? :: essays research papers

The Media: Does It Shape Society's View of Femininity? The question answers itself. Yes, the media definitely influences today's society via messages through the television, radio, magazines, and billboards. It seems that in today's day and age to even be â€Å"noticed† as a woman one must be tall, skinny, blonde, and countless other things that the â€Å"average woman† could only hope for. Today, if one is not comfortable with who or what they are, they may encounter many dilemmas. I found three convincing reasons to support my claim: the rise of eating disorders throughout history, percentages and statistics, and my own personal experience. The Rise of Eating Disorders Throughout History As far back as the 18th century, women began dieting. They submitted themselves to food deprivation, enemas, and purging. In order to achieve that â€Å"hourglass† figure, some women went as far as having their lower ribs surgically removed.(Collins 199) In the 1940s and '50s, full figure females were popularized by movie stars like Ava Gardner, Jane Russell, and Marlyn Monroe, but they were, however, short lived. With the introduction of Playboy ®, Vogue ®, and Cosmopolitan ®, eating disorders have quickly taken over our society. The great majority of American women are culturally conditioned to strive for a slender figure. Advertising, television, films, and the fashion industry relentlessly drive home the message, and women who don't â€Å" naturally† fit the mold often respond by dieting or even surgery. Percentages and Statistics According to the National Eating Disorders Association, â€Å" Media images that help to create a cultural definition of beauty and attractiveness are often acknowledged as being among those factors contributing to the rise of eating disorders†(165). Media messages screaming â€Å"thin is in† may not cause eating disorders but help to create a context in which people learn to put a value on their body. The media's power over our development of self-esteem and body image can be incredibly strong. According to a recent survey of adolescent girls, the media is their main source on women's health issues ( Common Wealth Fund 348) , and researchers estimate that 60% of middle school girls read at least one fashion magazine regularly (Levine 1997). Another study of mass media magazines discovered that Women's magazines had 10.5 times more advertisements and articles promoting weight loss than men's magazines did (ctd. in Guillen & Barr 465). There was a study of 4,294 network television commercials which revealed that one out of every 3.8 commercials send some sort of â€Å"attractiveness† message, telling

Developmental economics Essay

Brain drain which is also known as the human capital flight, which can simply be defined mass migration of technically skilled people from one country to another country. In more simple words brain drain refers to the departure of skilled and educated people, like doctors, engineers, accountants, economists, scientists from one country to another to seek better life opportunities. Developing nations like Pakistan is badly suffering from brain drain. According to official estimates of Pakistan’s Overseas Employment Corporation, close to 36,000 professionals, including doctors, engineers and teachers, have migrated to other countries in the last 30 years. This report is based on the brain drain which has taken Pakistan aback, because of the very mass migration in the last few years. The background is given first which explains what brain drain really is. Then further the introduction is given which tells which parts of the world are affected by the brain drain and which ones are benefited by the brain gain. In the literature review part, different articles are summarized which gives us the detailed information about the current situation of brain drain in Pakistan and other developing countries. The last but the important part is the analysis in which all the articles are analyzed and then suggestions are given. Introduction: In the history there are many examples of brain drain. The brain drain initially started in 1492 when Jews were expelled after the catholic re conquest of Spain. As the Jews were dominating financial services in the country, so their migration caused future economic problems in Spain. This was the first brain drain which happened in the history. In 1685 we get an example of a huge brain drain with estimates ranging from 200,000 to 1000,000 in France, where the king Louis XIV forced the Protestants to walk out of the country. The migration of Protestants, who were technically skilled, was a huge loss from which the kingdom could not recover for many years. In 1930’s the law in Europe caused the migration of many scientists to US. Albert Einstein was one of the migrating ones, who permanently migrated to us from Germany in 1933. Brain drain is common among developing Asian nations: India, Pakistan, Middle East countries like Iran and Iraq, African countries etc. In contrast developed countries like USA, Canada, and UK etc have brain gain from this happening. Brain drain usually affects the developing or under developing countries due to mass migration of technically skilled people to developed countries, which in turn are benefited by the brain gain. In the recent years, developing country Pakistan has suffered a lot from the brain drain. Philip Bonosky, who writes in his book ‘Washington secret war against Afghanistan† that Pakistan, is the only country who has suffered from the brain drain to a great extent. The graduates migrate in order to get jobs, because nearly 3000 fresh graduates are jobless yearly. Number of Pakistanis migrating to different countries is increasing every year, and most of the migrating people are educated, either doctors, engineers, or other professionals who has no hope of better career in Pakistan. Not only the professionals but also the workers and labor also want to go abroad for higher pays. The brain drain is usually a problem in the poor countries like Pakistan, with very unstable economic situations. Poor people usually suffers because they do not earn enough to serve their families, which eventually leads to migrate to the developed countries, who offers them incentives and higher pays which can improve their living standards. Literature review: According to Dodani and Laporte’s article, the health care migrations to the developed countries are from the developing countries, especially south Asia. This migration is a growing concern in the developing countries because such an outflow of medical doctors from these countries has an adverse affect on health of the population of home countries of the migrants. Dodani and Laporte also points out that the developing countries are working hard to apply such policies which can slow down the migrations, but they say that this might not be possible because of unstable economic and political situations of the home country. Dodani and Laporte also claim that the main cause of the migration is the huge difference in the pays that the doctors receive in the source country and the destination country. According to the article the Pakistani doctorates are not awarded for their good performance, which make them migrate to developed countries. Dodani and Laporte suggests that the developed countries needs to find out the major reasons behind the mass migration and needs to resolve their security problems and provide the doctorates with opportunities in future. According to the research paper by Jenkins R, Kydd R, Mullen P, Thomson K, Sculley J, et al, huge numbers of psychiatrists who are working in the developed countries are from the poor or developing countries, including Pakistan. They mentioned a survey conducted by World Psychiatric Association Taskforce on brain drain regarding the reason for the migration of psychiatrists, and the survey showed that the main reason was the lack of multidisciplinary approach and the poor treatment conditions of the patients. The researchers also pointed out that the health workers also have the right to lead a better life, give proper education to their children. The lack of the economic and political stability and the lack of better living conditions the health workers have no other option other then migration. The researcher mentioned the frequent argument done regarding brain drain that the poor countries also gain form the remittance that the migrants send back to the source countries. So the researchers argue hat the loss of one health worker is much larger then the gain of remittance, which is not given to the poor people of the country, rather is sent to the family which is already better off. According to Mullen, MD’s article, the Indian subcontinent which includes Pakistan is the main source of physician for the recipient countries. According to the article, International medical graduates constitute between 23 and 28 percent of the physician workforces of the recipient countries, with lower-income countries contributing between 40. 0 percent (in Australia) and 75. 2 percent (in the United Kingdom) of the international medical graduates in recipient countries Mullen claims that the subcontinent, which is India and Pakistan is badly affected by the brain drain, Mullen argues that, although the source country is benefited from the payments that the migrants send to their country but yet it adversely affects the situation back in their country. It affects their own nation’s ability to survive due to lack of physicians in their country. According to Saracen’s article, the labor in developing nations are paid less because of the majority being unskilled, due to which the skilled labor also suffers by getting lower pays which makes them migrate to other countries in order to get higher pays and better standards of living. According to the article, the brain drain has an adverse affect because the home country spends a lot on educating and training the individuals, who then migrate and benefit the developed countries that have not spent a penny on their education. Saracen’s argues that the Developing countries, such as Pakistan suffers from brain drain due to lack of infrastructure, whereas the Developed Countries benefits from the process. Saracen’s suggests that the government should make future planning regarding the improvement of living standards and properly allocate the societies abilities.

Osmosis Reprot

OSMOSIS REPROT Introduction: Osmosis is the result of diffusion across a semi-permeable membrane. If two solutions of different concentration are separated by a semi-permeable membrane, then the solvent will tend to diffuse across the membrane from the less concentrated to the more concentrated solution. This process is called osmosis. This leads me to my question, how do different concentrations of sucrose affect the rate of osmosis? My hypothesis is if sucrose concentration increases in the selectively-permeable baggies then, the rate of osmosis will also increase. Materials and Method: To conduct this experiment the materials needed are 3 different concentrated sucrose solutions, . 25 M, . 5 M, . 75 M. It will also require 4 beakers containing water from the sink. 4 pieces of dialysis tubing along with 8 pieces of string. An electronic balance to weigh the solutions. Makers and labeling type to label the different solutions. Paper towels needed to dry off any excess water. This experiment should be conducted in a group of 3. Step 1. Fill four separate beakers three-fourths full with deionized water. Step 2. Label the beakers to identify each different sucrose concentration later on. Step 3. Fill up the four baggies each with a different sucrose concentration, and the final bag fill up with deionized water. Step 4. Tie the bags with the string and rinse off each bag with di-H20 to wash away any spilt sugar. Step 5. Weigh the solutions to determine the bag weight and then wait 35 minutes and repeat the weigh-in to get the final weight of the solutions. Results: The initial weight gain was figured by weighing the baggie with the Sucrose solution before putting it into the beaker with the deionized water, and after the baggies were in the beaker of deionized water for 35 minutes, then the baggies were weighed again. After the initial weight and the final weight was done, the final weight was divided by the initial weight and multiplied by 100 to get percentage of initial weight gain. Sucrose Concentration (M)| Group 1| Group 2| Group 3| Group 4| Group 5| Group 6| Group Avg| 0| 100| 100| 100| 100| 100| 100| 100| . 25| 104| 106| 108| 102| 106| 108| 105. 6667| 0. 5| 110| 107| 112| 113| 110| 112| 110. 3733| 0. 75| 115| 99| 122| 120| 121| 119| 116| This is the table of the class raw data in % of initial weight gain. Discussion: The hypothesis that I made earlier if sucrose concentration increases in the selectively permeable baggies, then osmosis would increase with it, was validated by this experiment. Different concentrations of sucrose changed the rate of osmosis. The final weight prove to be a significant gain. The line graph shows the greater the concentration of sucrose in the solution, the greater the weight gain. The weight gain also increases directly with the increase of sucrose in the solution which demonstrates osmosis. Even though my hypothesis was proven correct, there could have been a few lab errors that might of threw the initial and final weight gain off by an insignificant number. The baggies may not have been filled up exactly half way and things of that nature. In any case, the experiment proved a success as we got to see osmosis taking place and results that occur from diffusion.

buy custom American Education vs. Foreign essay

buy custom American Education vs. Foreign essay Public education is in the United States of America is universally available for all. It is provided by three public sectors usually funded by the federal government, the individual state and the locals. However, a majority of American students of up to 70% lack financial resources to pay up their tuition fees in our schools. These students rely on students loans for their universities, the federal government or a private lender. However, a few charity institutions cover the tuition fees although scholarships are widely available. This puts into question the seriousness worlds superpower on its stand for knowledge transmission to its populace especially the youth (Warren and Eugene 1983, pp. 379). However, the US schools lag behind compared to others of the developed countries not mentioning the third world nations in the fields of science, mathematics, and reading. The USA is ranked 37th in the world in education spending as a percentage of GDP yet it has the largest and the most technologically driven economy in the world with per capita GDP of $47, 400. With this then, why cant education be fully funded by the federal government and leave alone the individual states and the locals to make America an equal opportunity land? This is because of the tax variation in the various states (Warren and Eugene 1983, pp. 379). Moreover, foreign students in the US rarely get fully funded by the state. They get their funding from their families and only about 20% receive their academic funding from their colleges or universities. International student scholarships in the USA are very competitive with annual undergraduate tuition varying from state to state. It is worth noting that private schools tuition is much higher than public schools as they are highly specialized technical institutes. This again poses the question of equality. Is American education bridging the gap between the rich and the poorbecause sophisticated education facilities are becoming a preserve for the higher class who can afford high tuition in private schools for their children? This is not in the spirit of the American togetherness. The funding of education in the USA is a complex process but the controversy arises much from the no child is left behind act which gives the department of education the USA the right to with holding funding if it believes a school , a district or even a state is not complying and is making no effort to comply. This is denies the universality of education for all and promoting the no spirit of liberalism (Rowena, November 2009). Compared to the French education system, the French education system is highly centralized, organized and ramified with the striking feature of small size and multiplicity of establishments in more or less broad spectrum of disciplines. Higher education in France, compared to America is state funded with very low tuition fees depending on the university and the different level of education (Rowena, November 2009). Contrary to another nation like Cuba where following the 1959 revolution, the Castro government liberalized all the education institutions creating a system entirely controlled by the central government with the government expenditures on education receiving the highest priority in funding the education sector. According to UNESCO Cuba allocates 10% of its annual budget to education compared to the 2% by the US government funding and the 4% funding by the United Kingdom. This is ironical to the worlds super power laying low tentacles on education sector. Irrespective of your class, income and your hoods, in Cuba, education is free for all at all levels. School uniforms and meals are provided for free with schools opening for close to 12 hours. There are also mobile teachers deployed to homes with children who are unable to attend schools. Over half of teachhers in Cuban primary schools have masters degrees. This has created literacy campaigns leading to Cuba being the highest in literate levels in the world. Students and volunteers go to rural areas to teach other country men to read and provide information on current Cuban politics as rural women receive job training and schooling outside agriculture. About 85% of parents send their children to public schools largely because of the funding. One tenth of the students are enrolled in primary schools with tax burdens by district schools varying from area to area. However parents may choose to educate their children from home with only 1.7% of the children educated in this manner. The high tax burden in schools has led to high school drop outs especially for African American male students. Do you still believe that America is still holding on as a land of opportunities for all with this inequality in education sector? No wonder in 2010, according to a report by organization for economic cooperation, American students were down in performance edging in17th rank worldwide majorly due to low end in socioeconomic scales leading to this low level of achievement (Rowena, November 2009). The USA government has done little in education to encourage high achieving in education. The low level productivity evaluations in the academics, allowing for low comparisons in the world is per se not amusing; the USA students average scores in international comparisons have been below average of the developed countries. This is a slap on the flamboyant America. We need to invest in our future generations, the legacy and the love for our nation, our dream and the future. America has all it takes ahead of other nations of the world as a land of heritage to invest highly in the education sector with full funding of our education system to make this not only the bets security hub and land of opportunities but also an academic bandwagon. Buy custom American Education vs. Foreign essay

The 6 Best Pandora Stations for Studying

The 6 Best Pandora Stations for Studying According to Nick Perham, a researcher published in Applied Cognitive Psychology, the best music for studying is none at all. He recommends complete quiet or ambient noise, like a soft conversation or muted traffic to make the most of your study time. However, there are many of you out there who like to listen to tunes while studying. So, what do you do? The absolute best songs to listen to while studying have no lyrics, like those provided by these Pandora stations below. Why? So your brain is not confused about which information to keep – the lyrics or your study materials. Lyric-Free Music for Studying by Artist When you log into Pandora, you can search by genre, song or artist. If you type in Justin Timberlake, for instance, youre going to hear pop/RB music from him and other various artists that resemble his style. The same is true for finding artists that happen to make music thats lyric-free. Since many of you students out there are more into music with words, you may not have heard of these next six artists and the stations that go along with them. But, when studying time comes along, youd better believe these names will come in handy. Paul Cardall Radio This station is for those of you in love with jazz piano, although Cardall does play a variety of other types of music. Other artists on this station, like Yiruma, David Nevue, and Chis Rice, delve into contemporary jazz and popular songs without the words, too. Much of the music on here is piano with bass, violin, or guitar accompaniment. Dntel Radio Jimmy Tamborello, or Dntel as he goes by, creates lyric-free electro-pop at its finest. The beats on this Pandora station from similar artists like Ersatz, Ladytron and Crystal Castles are hypnotic with rhythmic, driving beats and repetitious measures. And since the music is fast-paced, you will absolutely not fall asleep in your textbook while youre trying to study. Impossible. Ratatat Radio The name of this duo kind of says it all. The onomatopoeia perfectly describes the rhythm of Mike Shroud, who plays synthesizer, guitar, melodica, and percussion, and his partner, Evan Mast, who is on bass, synthesizers, and percussion. Its kind of a hip-hoppy, electronica, rock mash-up. Ratatat offers some brilliant hip-hop remixes, too, so expect some of that thrown in there, along with the music from similar artists like The Glitch Mob, Martin Jones and more. This is lyric-free music for studying youre going to want to listen to even when youre not hitting the books. The Bad Plus Radio Im just going to go ahead and describe this lyric-free music for studying from The Bad Plus as jazz with nods to pop and rock. The trio, made up of pianist Ethan Iverson, bassist Reid Anderson, and drummer Dave King go  at it on their various instruments, putting together explosive harmonies which can, ironically, soothe a disquieted mind. Sound strange? It can be. But its addictive. Other artists on their station are Avishai Cohen, Brad Mehldau, and E.S.T. Explosions in the Sky Radio Youve probably heard of Explosions in the Sky before if youve ever ventured into lyric-free music at all. Theyre huge! This group, comprised of Mark Smith, Michael James, Munaf Rayani, and Chris Hrasky, play lyric-free concerts all over the globe to much acclaim. They stick with electric guitars, synthesizers, and a drum kit, providing other-worldly soulful beats and inspirational rock, too. Other artists on this station, like Mogwai, Daft Punk, and Hybrid stick to a similar sound. Tune in if you have test-taking anxiety about that test coming up! RJD2 Radio This is where instrumental meets hip-hop in a perfectly syncopated groove. Ramble John RJ Krohn, is a music producer and musician who has masterfully conquered lyric-free music. His rhythms make you want to move, which is fantastic if youre drowsy while studying. Other artists on this station are Wax Tailor, The Xx, J-Walk, and even Ratatat.

SHAW Surname Meaning and Family History

SHAW Surname Meaning and Family History The Shaw surname means thicket, small wood, or clearing in the trees from the Middle English s(c)hage, s(c)hawe (Old English sceaga). It is also an English or Scottish topographic surname for someone who lived near a copse or thicket. Shaw may also have derived as an English form of any of the Gaelic surnames derived from the personal name Sitheach, meaning wolf, or similar sounding Irish surnames such as OShea or Shee. Surname Origin: English,  Scottish Alternate Surname Spellings:  SHEACH Famous People with the SHAW  Surname George Bernard Shaw – Irish author and playwrightArtie Shaw  Ã¢â‚¬â€œÃ‚  American songwriter, best known as a 1930s and 1940s jazz bandleader and clarinetistSam Shaw  Ã¢â‚¬â€œÃ‚  American photographer; best known for his iconic images of stars such as Marilyn Monroe and Marlon BrandoAnna Howard Shaw  Ã¢â‚¬â€œ Born in England,  Anna Howard Shaw was the first female minister in the Methodist Protestant Church and very active in womens suffrage.Robert Shaw –  American conductor Where Is the SHAW  Surname Most Common? The Shaw surname, according to surname distribution information from Forebears, is the 820th most common surname in the world. It is most prevalent today in India, but is used by the greatest percentage of the population in countries such as England (ranked 63rd), New Zealand (62nd), Scotland (91st), and Australia (93rd). WorldNames PublicProfiler indicates the Shaw surname is especially common in the United Kingdom, found most frequently in the northern England regions of North West, East Midlands and Yorkshire and Humberside. It is also fairly common in Scotland and Northern Ireland. Within North America, individuals named Shaw are found most commonly in Maine and Nova Scotia.   Genealogy Resources for the Surname SHAW Shaw Surname DNA Project: Over 300 members have joined this Y-DNA project to work together to use DNA testing along with traditional genealogy research to help determine Shaw origins and distinguish between various Shaw lines.SHAW  Family Genealogy Forum: This free message board is focused on descendants of Shaw  ancestors around the world. Search the forum for posts about your Shaw ancestors, or join the forum and post your own queries.  FamilySearch - SHAW Genealogy: Explore over 4.4 million  results from digitized  historical records and lineage-linked family trees related to the Shaw surname on this free website hosted by the Church of Jesus Christ of Latter-day Saints.GeneaNet - Shaw Records: GeneaNet includes archival records, family trees, and other resources for individuals with the Shaw  surname, with a concentration on records and families from France and other European countries. Resources and Further Reading Cottle, Basil.  Penguin Dictionary of Surnames. Baltimore, MD: Penguin Books, 1967.Dorward, David.  Scottish Surnames. Collins Celtic (Pocket edition), 1998.Fucilla, Joseph.  Our Italian Surnames. Genealogical Publishing Company, 2003.Hanks, Patrick and Flavia Hodges.  A Dictionary of Surnames. Oxford University Press, 1989.Hanks, Patrick.  Dictionary of American Family Names. Oxford University Press, 2003.Reaney, P.H.  A Dictionary of English Surnames. Oxford University Press, 1997.Smith, Elsdon C.  American Surnames. Genealogical Publishing Company, 1997.

BUSINESS ACCOUNTING Assignment Example | Topics and Well Written Essays - 1750 words

BUSINESS ACCOUNTING - Assignment Example by, the requirement for a central global standard for accounting has emerged in order to close the gaps that exist among the many national standardization bodies. The IASB was therefore formed in 2001 as a way to consolidate the worlds accounting standards with the intention to make them more accommodative of all firms regardless of where they operate from. Accounting standardization are every important in not only allowing the generation of standard accounting and financial reports but also in increasing transparency (Needles, 2012). Accounting and financial report play a big role in the economy in that they are used to make useful economic decision both by the managers of a particular firm and by many other stakeholders who are not directly involved in the management of the firm. Standards make it easy for outside stakeholders to access this information in a form that they can understand and also have faith in such reports. Lack of such standards can lead to disaster. A good example is the Enron firm which was an energy generation firm that was based in Texas. Prior to its bankruptcy in 2001, the firm had been using unfair and substandard accounting methods to make its book look good and therefore attract many investors (Sterling, 2002). Enron was able to use this method to lure so many investors, fool the analysts at the NYSE and al so to fool the regulators. In fact, Enron management was the main supporters of the mark to market method of accounting which came to be seen as an unrealistic way to do accounting. It used this as a way to book future (prospective) profits from assets. Because it was performing so well (at least based on its fabricated accounting books), it was able to push for this kind of accounting, to the point of even pressuring the IASB to accept this as a standard of accounting. This later led to disaster and the firm had to finally collapse. The IASB was founded as an attempt to create accounting standards with which firms can generate

Criminal Law Prosecutors Perspective Research Paper

Criminal Law Prosecutors Perspective - Research Paper Example Accordingly, this brief essay will examine the moral and ethical ramifications, as well as unique perspectives, that the prosecuting attorney faces with relation to the many different cases that are brought before him/her. The fact of the matter is that the role of the prosecuting attorney is oftentimes equally ethically grey as that of the defense attorney. This is due to a number of reasons which will be detailed in the following analysis. Furthermore, the underlying motives of the prosecutor will be analyzed along with commonly held misconceptions regarding the nature of their work and the type of justice that they are tasked with upholding. Firstly, a prosecuting attorney is encouraged to obtain convictions; regardless of the level of guilt. This encourages a situation in which many individuals are punished for crimes they either did not commit or did not commit to the degree that the State is interested in punishing them for. Furthermore, the drive to obtain convictions oftentimes dulls the sense of justice that the State should ultimately be pursuing. As prosecuting attorneys are interested in increasing their overall conviction tally, they are oftentimes oblivious to the legality and/or legitimacy of the cases that they prosecute. A further complication of the role and perspective of a prosecutor is the fact that they are often encouraged to disregard the moral standard in which a certain crime is prescribed to be punished. What is meant by this is that the prosecuting attorney is intimately aware of the penalty for infraction of a given law; however, this penalty is not always upheld when it comes time to prosecute the crime (Silbert 1718). The reason for this can be any number of things from the fact that the criminal has agreed to cooperate with the prosecution, another party involved has chosen to inform the authorities as to the specific details and nature of

No child left behind Essay Example | Topics and Well Written Essays - 250 words

No child left behind - Essay Example Until 2008, all students who are in elementary through high school will be required to take a science exam. Second, based on test results, there are many students who didnt receive good grades on their tests. As such, the school must do everything in their power to improve these grades. If the students dont do well, the school must reduce the number of teachers, which would make class sizes larger. Also, the government will reduce the number of supplies that the school gets. Third, if a teacher cannot improve the students’ grades three years in a row, then the government can fire the teacher. The educational process should be evaluated because it has become a big problem. Children with disabilities are excluded from schools, and therefore proper education, and teachers can also conduct problems, which affects the way that students learn. Furthermore, assessments for children with disabilities need specific adjustments that modify the line of achievement goals, regardless of a child’s disability, that can be applied to all students. There greatest problem with this is that many disabled children are unable to learn at the same pace as other students, and they may not have the same capacity for retaining knowledge. It would be unfair to judge disabled kids with abled kids, and vice versa. However, some people agree with this policy. Even those who made the education policy mandates on assessments by the execution of educational research and policy, as well as the annual math and reading tests to follow the students learning progress, believe that there is a lot to b e argued about No Child Left Behind. Most schools do not want want to accept this law and many people, including experts, feel that the entire legislation should be

Commercial Law Research Paper Example | Topics and Well Written Essays - 3250 words

Commercial Law - Research Paper Example On the other hand, there are cases in United Kingdom and Singapore that similarly dealt with your situation. In view to this, the following discussion will deal on these cases, and ostensible authority in the United Kingdom to further your knowledge on your current situation. Facts As an overview, Cheng-Han Tan cited that the agency relationship occurs when a principal allows an agent to represent itself, wherein the agent also agrees with the representation. There is a mutual agreement between the principal and the agent in the agency relationship, even in instances that either one disclaims or does not pronounce the mutual agreement. Also, the agent can be given authority, which is granted by the principal to enter within a contract with a third party. However, if the contract entered by the agent with the third party is not authorised by the principal, then the principal is not committed to the contract. Moreover, ostensible authority appears only in specific circumstances. Ostens ible authority comes in view when the agent surpasses the authority given by the principal, when the agent is no longer recognised as an agent of the principal, or when a person, never been recognised as the agent is then permitted to be the agent.1 In addition, Steyn LJ cited that ostensible authority or apparent authority is used in two main parts. ... However, in this case, Mr Pierce Hawthorne is not recognised as an agent but only as a Finance Manager of Blogon Breweries Pty Ltd. In this manner, we can cite the similarities of Mr Hawthorne to Chia in the Skandinaviska Enskilda Banken AB (Publ), Singapore Branch v Asia Pacific Breweries (Singapore) Pte Ltd and another appeal [2011] SGCA 22, where Chia was also a Finance Manager which has lesser authority when compared to the general manager. Also, Asia Breweries Limited (APBL) was a large corporation which has higher appointed officials. In the current case and the above statement may be supported with Armagas that ‘In the commonly encountered case, the ostensible authority is general in character, arising when the principal has placed the agent in a position, which in the outside world, is generally regarded as carrying authority to enter into transactions of the kind in question.3 In contrary to the First Energy (UK) Ltd v Hungarian International Bank, Ltd [1993] B.C.C. 53 3 (‘First Energy’), Mr Croft had negotiated and directly discussed with Mr Jamison who was the Senior Manager of Manchester office of HIB. He has ostensible authority because his position allowed him to ‘sanction large credit transactions together with another senior employee. Like many merchant banks and trading banks, HIB drew a distinction between internal authority to sanction a credit transaction and authority to sign a facility letter.’ As a support statement on the status of authority of Mr Hawthorne in the Blogon Breweries Pty Ltd, in the Skandinaviska Enskilda Banken AB (Publ), Singapore Branch v Asia Pacific Breweries (Singapore) Pte Ltd and another appeal [2011] SGCA 22, Chia as the Finance

1. What is the purpose of the poem2. What does the poem mean and how Essay

1. What is the purpose of the poem2. What does the poem mean and how does it reveal that meaning3. Which is more important for the poem, form or content Why is this question a concern at all for the reader - Essay Example was simply based on making a description of a wreath being given to someone, who the author indicated as most familiar of his ways, as a token of appreciation and praise. Upon closer evaluation, one could establish that the one being referred to by the author, who is acknowledged as â€Å"Of praise deservà ¨d, unto Thee I give† (Herbert 2nd line) could possibly be God, the all omniscient and all knowing. Accordingly, one concludes that the purpose of the poem was to give honor and praise, possibly to God, who is all knowing and worthy of being glorified through the garland of flowers. The author seems to be expressing a problem in living his life. Through the verses: â€Å"My crooked winding ways, wherein I live,— Wherein I die, not live† (Herbert 4th and 5th lines) indicate a predicament faced by the author in disclosing that he exhibited living in crooked and winding ways; contrary to the general expectations of people to live in straight or supposedly righteous ways. This fact was again evaluated using the following lines: â€Å"for life is straight, Straight as a line, and ever tends to Thee† (Herbert 5th and 6th lines). Finally, one arrived at the conclusion that the author could be sending the message to God through the following verses: â€Å"Give me simplicity, that I may live, So live and like, that I may know Thy ways† (Herbert 9th and 10th lines) – for who else could have the power to enable one to provide a simpler life than the omnipotent God and who else is most mysterious that God that people who sometimes express the need to know more of His ways to understand Him better. The poem was effectively structured by using words that are repetitive to give emphasis to the message being relayed. As one would observe, the last words in the most of the lines in the poem are used as starting words for the next lines: In rhetorical analysis, this is called anadiplosis, which means â€Å"a rhetorical term for the repetition of the last word of one line or

Portfolio Theory and Investment Analysis Assignment

Portfolio Theory and Investment Analysis - Assignment Example A good investment strategy is one that earns the investor an expected return that is at least equal to or higher than what comparable investments would earn (Sharpe, 1991). The goal of any investment strategy is to maximize the value of the investment by getting the highest possible expected return for a given level of risk. Every investment involves risk, which is the possibility of losing money if the investment decision turns out to be a wrong one. According to normal human behavior, the higher the risk, the higher should be the expected return. Different investments have different levels of risk. For the UK charity, the safest investment, which also gives the lowest return, is to buy UK government bonds because the government always pays its debt obligations. Other investments, such as metals, a start-up business, or equities have higher levels of risk, and according to studies such as one by Barclays (2007), equities have consistently given higher returns compared to bonds or metals. Thus, investing in equities is a good first step in the  Ã‚  Ã‚  The risk level of investments in equities is measured by beta (Black, 1993), which shows how the val ue of the investment moves compared to the FTSE All Share Index, a composite number that represents the investment return of the UK equities market. The Index measures the daily values of all shares traded in the London Stock Exchange. If this index went up from 6,131.50 to 6,554.90 in the last 52 weeks, then the return on an investment, also called the market return, in all the shares included in the index would be 6.91% and a 10,000 investment 52 weeks ago would now be worth 10,691 excluding fees and commissions (Economist, 2007). A beta of 1.03 means that the value of the investment portfolio moves very close to the market but is slightly riskier than the market and therefore gives a slightly higher return compared to the market. Thus, if the market returned 6.91% in the last 52 weeks, the portfolio returned 1.3 x 6.91% = 7.12%. A 10,000 investment would be 10,712 or better than the market. However, higher risk also means a higher loss than the market if the Index dropped. The correlation coefficient measures how the prices of the stocks in the portfolio move against each other. The figure is always between +1 (perfect correlation) and -1 (negative correlation) or zero (independent correlation). Perfect correlation means all stocks go up or down together; negative correlation means that some stocks go down when others go down, and zero or independent correlation means that the stock prices move independently of each other.   

1. What is the purpose of the poem2. What does the poem mean and how Essay

1. What is the purpose of the poem2. What does the poem mean and how does it reveal that meaning3. Which is more important for the poem, form or content Why is this question a concern at all for the reader - Essay Example was simply based on making a description of a wreath being given to someone, who the author indicated as most familiar of his ways, as a token of appreciation and praise. Upon closer evaluation, one could establish that the one being referred to by the author, who is acknowledged as â€Å"Of praise deservà ¨d, unto Thee I give† (Herbert 2nd line) could possibly be God, the all omniscient and all knowing. Accordingly, one concludes that the purpose of the poem was to give honor and praise, possibly to God, who is all knowing and worthy of being glorified through the garland of flowers. The author seems to be expressing a problem in living his life. Through the verses: â€Å"My crooked winding ways, wherein I live,— Wherein I die, not live† (Herbert 4th and 5th lines) indicate a predicament faced by the author in disclosing that he exhibited living in crooked and winding ways; contrary to the general expectations of people to live in straight or supposedly righteous ways. This fact was again evaluated using the following lines: â€Å"for life is straight, Straight as a line, and ever tends to Thee† (Herbert 5th and 6th lines). Finally, one arrived at the conclusion that the author could be sending the message to God through the following verses: â€Å"Give me simplicity, that I may live, So live and like, that I may know Thy ways† (Herbert 9th and 10th lines) – for who else could have the power to enable one to provide a simpler life than the omnipotent God and who else is most mysterious that God that people who sometimes express the need to know more of His ways to understand Him better. The poem was effectively structured by using words that are repetitive to give emphasis to the message being relayed. As one would observe, the last words in the most of the lines in the poem are used as starting words for the next lines: In rhetorical analysis, this is called anadiplosis, which means â€Å"a rhetorical term for the repetition of the last word of one line or

My personal Faith journey as a Roman catholic utilizing Fowler's Essay

My personal Faith journey as a Roman catholic utilizing Fowler's Stages of Faith as related to my life - Essay Example For days I believed that I had tainted my soul, for which I needed to beg forgiveness from God. During my childhood days the Church services were very traditional. I still remember that at that time the Mass was said in Latin. I attended the Mass more out of an allegiance to family practices, without really understanding as to what was being said. The Church fascinated me and I listened to the Jesus stories with rapt attention and interest. I very soon realized that there existed different approaches to faith such as the Catholics and the Protestants. However, my grandparents being from Ireland often spoke unfavorably of Protestants. So in a way I preferred to imitate their views regarding religion by holding that there was only one true approach towards faith as espoused by the Roman Catholic Church. I must say I experienced an exposure to different religions not until my teens. Most of my friends were Catholics and we avidly participated in the activities organized by CYO (Catholic Youth Organization). At the age of 13 I felt a strong desire to devote my life to the service of God and humanity. I aspired for a meaningful social identity through selfless service. To learn more, I actively corresponded with the nursing nuns serving in Pennsylvania. During my high school years, I aspired to be a nursing nun after my graduation. This is the time I affiliated to Fowler’s third stage of faith that is Synthetic-Conventional Faith. I felt so happy and confident that I was going to lead a meaningful life, serving the Church and the faithful. My course was almost set when; surprisingly I graduated to Fowler’s fourth stage of Faith, the individuative-projective faith. With the passage of time as I came across people from different faiths, I felt an innate need to question my beliefs. I realized that my focus was quiet narrow, which didn’t allow for understanding and appreciating people who were not Catholics. Somewhere I also started to believe that as God was

Hamlet Speech Draft Essay Example for Free

Hamlet Speech Draft Essay In Shakespeares famous play Hamlet, Hamlet reveals the duality of human nature as he is the hero of one plot whilst a villain in the other. Hamlet portrays the heroic characteristics through bravery and fearlessness. On the other hand, he is a villain because he is a coward, disrespectful and he would do anything to achieve and benefit for himself. But Hamlet is neither a complete hero nor a complete villain. He is both, and this contributes to Shakespeares message concerning the duality of human nature. The following paragraphs will elaborate on Hamlets 3 different types of personalities. Hamlet being a hero of a plot is a major theme in the play. This is shown by through his actions of avenging his fathers death by killing the current king Claudius, Hamlets uncle. Hamlet demonstrates the quality of braveness by following the ghost ignoring the fears of his friend for him strong enough to break the restraining hold and follows the horrible illusion not knowing what could happen to him. [Hamlet-Shakespeare Act 1, Scene 4, 88 95] Hold off your hands, My fate cries out and makes each petty artery in this body as hardy as the Nemean lions nerve. Still am I called.- Unhand me, gentleman. By heaven, Ill make a ghost of him that lets me! I say, away. -Go on. Ill follow thee. Hamlet does this because he is in desperate urge of wanting to discover how his father died and that he truly loves his father. The final reason for Hamlet being a hero is because he is not afraid of facing a politically superior man. This means that hamlet is not afraid to face the king; a person more powerful than him and tell everyone the truth about what happened to his father. Hamlet demonstrates the quality of fearlessness when is ready to fight the king. This is proven when he says [Hamlet-Shakespeare Act 5, Scene2 198 -200] I am constant to my purpose, they follow the Kings pleasure. If his fitness speaks, mine is ready. Now or whensoever, provided I be so able as now These words show that Hamlets fearlessness quality and that he is not afraid of facing a person much more powerful than him. Hamlet shows his bravery, fearlessness and determination through his action and speech and those are the qualities of a hero. Although Hamlet has many great Heroic qualities, he also has numerous villain characteristics shown through his actions and speech. He may be seen as a villain because he caused the death to the whole royal family including Polonius, Ophelia and even himself. One of his villain characteristics is portrayed when Hamlet said some harsh words to his mother making her feel threatened. [Hamlet-Shakespeare, Act 3, Scene 4, 21-23] Come, come, and sit you down. You shall not budge. You go not till I set you up a glass Where you may see the inmost part of you. These words illustrate one of Hamlets villain characteristics of being disrespectful. In addition to that, he broke Ophelias heart, as well as killing her father which caused her to become insane and lead her to commit suiciding. He also lied to his friends Rosencrantz and Guildenstern changing the letter making them the suspect of execution. Hamlet says [Hamlet-Shakespeare Act 5, Scene 2, 61-66] Why, man, they did make love to this employment. They are not near my conscience. Their defeat does by their own insinuation grow. Tis dangerous when the baser nature comes between the pass and fell incensed points of mighty opposites. This shows that Hamlet is a coward, not facing execution himself but had to make his innocent friends face execution for him. These evidences proves that Hamlet is a villain because the death of the king Claudius, Gertrude, Ophelia, Laertes, Polonius, Rosencrantz, Guildenstern and himself is caused by him either directly or indirectly. Shakespeare uses the characters in the play Hamlet, especially the protagonist Hamlet to imitate the duality of human nature. Hamlet is a perfect example of a duality because he is both noble and immoral at the same time. An example of this is at the beginning when he is shocked over his father death and his mothers quick remarriage to his uncle. This is shown in the text when Hamlet says [Hamlet-Shakespeare Act 1, Scene 2, 151-158] even she O, God, a beast, that wants discourse of reason would have mourned longer married with my uncle, my fathers brother, but no more like my father than I to Hercules. Within a month, ere yet the salt of most unrighteous tears had left the flushing in her galled eyes, She married. He then changes when he soon discovers about how his father was murdered and desires to seek revenge. Another example of a duality is that Hamlet exposes the noble side of himself. This is when he grieves for his father and despises the situation that his mother has left him in. He says [Hamlet-Shakespeare Act 1, Scene 2, 85-88] These indeed seem, for they are actions that a man might play. But I have that within which passes show these but the trappings and the suits of woe. This makes the reader feel that he dislikes his mother but on the contrary he still loves her even though she has left him in a miserable situation. These examples portray the duality of human nature from the character Hamlet. Hamlet can be both the hero due to the bravery and fearlessness he has shown through his actions. Although he shows heroic qualities, he can still be a villain through his coward, disrespectful and immoral actions. Hamlet is often noticed that he has more than one side to his personality at the same time and this is revealed through the play when he stands for what he believes in and takes avenge for his fathers death but in the contrary not only did he kill Claudius, he was involved in everyones death including Ophelia, Polonius, Gertrude, Laertes, Rosencrantz and Guildenstern and that he would do anything to achieve and benefit for himself. Through these actions, Hamlet portrays the qualities of the duality of human nature.

Emily Dickinson’s Because I Could Not Stop For Death Essay -- Because

Emily Dickinson’s â€Å"Because I could not stop for Death† is a remarkable masterpiece that exercises thought between the known and the unknown. Critics call Emily Dickinson’s poem a masterpiece with strange â€Å"haunting power.† In Dickinson’s poem, â€Å"Because I could not stop for Death,† there is much impression in the tone, in symbols, and in the use of imagery that exudes creativity. One might undoubtedly agree to an eerie, haunting, if not frightening, tone in Dickinson’s poem. Dickinson uses controlling adjectives—â€Å"slowly† and â€Å"passed†Ã¢â‚¬â€to create a tone that seems rather placid. For example, â€Å"We slowly drove—He knew no haste / †¦We passed the School †¦ / We passed the Setting Sun—,† sets a slow, quiet, calm, and dreamy atmosphere (5, 9, 11, 12). â€Å"One thing that impresses us,† one author wrote, â€Å"is the remarkable placidity, or composure, of its tone† (Greenberg 128). The tone in Dickinson’s poem will put its readers’ ideas on a unifying track heading towards a boggling atmosphere. Dickinson’s masterpiece lives on complex ideas that are evoked through symbols, which carry her readers through her poem. Besides the literal significance of —the â€Å"School,† â€Å"Gazing Grain,† â€Å"Setting Sun,† and the â€Å"Ring†Ã¢â‚¬â€much is gathered to complete the poem’s central idea. Emily brought to light the mysteriousness of life’s cycle. Ungraspable to many, the cycle of one’s life, as symbolized by Dickinson, has three stages and then a final stage of eternity. These three stages are recognized by Mary N. ...

Comedy in Benignis Life Is Beautiful Essay -- essays research papers

Roberto Benigni's moving film, Life is Beautiful, is a film that is set in a concentration camp and combines comedy with the seriousness of the extermination of the Jews in Nazi Germany during the Holocaust. In Life is Beautiful, the real purpose of the film, is a love story on many levels. It is a tale about a man and his â€Å"principessa†, a man and his son, a man and his life. It is a tale about choosing how to exist and choosing how to die. The movie was primarily made for entertainment, using the Holocaust as its setting. Despite the film’s failed attempt to really capture the seriousness of the Holocaust, certain details still appear to be accurate. The removal of clothing at the arrival at the concentration camp, the showers, the separating of the families, the lack of food, and the unnecessary gassing of hundreds of Jews, are clearly shown throughout the movie just as it occurred years before. Guido, the main character, is sent to part from his beloved wife, and taken to the other side of the camp with his son. Wanting to keep the truth away from his son, he explains...

How Do We Define Climate Change Environmental Sciences Essay

Global clime alteration comprises alterations in long-term norms of twenty-four hours by twenty-four hours atmospheric status. Likewise long-term planetary clime alterations, in that regard are shorter status clime discrepancies. These climatically discrepancy may be comprised by cyclic or periodical interchanges attach toing, eruptions, or extra displacements in the planetary agreement. Concisely, clime follows long-term form of conditions status in a specific part. A few work forces of scientific discipline define climate the average atmospheric status for a specific portion and period of clip, by and large appropriated 30-years. It is truly a just attack form of atmospheric status for a curious country. As work forces of scientific discipline discuss clime, they are sing mean out of precipitation, temperature, humidity, sunshine, weaving speed, phenomena such as mist, freezing, and herald violent storms, and excess measurings of the conditions status that fall out across by clip period in a primary mark. For case, later sing rain pot information, lake and unreal lake grades, and orbiter informations, work forces of scientific discipline can state whenever during a summertime, a part represented drier than ordinary status. If it stays drier across the way of several summer times, than it would expected to demo a convert in the clime. Harmonizing to Encarta dictionary fluctuation in planetal conditions status forms: A long-term alteration in worldwide conditions figures, peculiarly growings in temperature and violent storm action, looked upon an expected result of the greenhouse event.Literature ReviewIPCC ( International Panel for Climate Change ) says unequivocally that the positions of technological idea represents that universe clime is being bore upon by human actions. Human Acts of the Apostless are altering the denseness of atmospherically factors that occupy or disperse bright energy. Almost the noticed warming up across the reasoning 50 ages comprises the increase in nursery emanation densenesss. Policy-makers and the mediums, particularly in the U.S.A, Oftentimes insist that clime scientific subject represents extremely doubtful. A few clasp this for a argument versus geting unobtrusive Numberss to cut back nursery emanation. Numerous inside information virtually on clime cardinal interactions are non we ll realized, and there are plentiful cause for go oning enquiry to supply a finer foundation for recognizing clime dynamicss. ( Oreskes, 2004 ) .Climate:Harmonizing to the lexicon, clime is defined as: â€Å" The complex or by and large predominating upwind conditions of a part, as temperature, air force per unit area, humidness, precipitation, sunlight, cloud cover, and air currents, throughout the twelvemonth, averaged over a series of old ages † .Weather:Whereas, conditions can be defined as: â€Å" The province of the ambiance at a given clip and topographic point, with regard to variables such as temperature, wet, air current speed, and barometric force per unit area † .Global Heating:Harmonizing to Botkin and Kelle R ( 2007 ) , Global Warming can be defined as: â€Å" Addition in mean planetary temperature † or â€Å" Global heating is when the Earth heats up ( the temperature rises ) . It happens when nursery gases ( C dioxide, H2O vapour, azotic oxide, and methane ) trap heat and visible radiation from the Sun in the Earth ‘s ambiance, which increase s the temperature † . This contributes to the assorted environmental job and it does hold positive facets excessively. These all are discussed in later in the argument on both sides of the issues.Green House Consequence:Another natural procedure is the green house consequence. Greenhouse consequence is good every bit long as it is go oning at its moderate degree. But when the bound of Green House Effect increases, it is toxic for the human existences.Global Dimming:Mobile pinpoints in the air, discharged since the beginning of the technological revolution, think of lower sunlight contacts the orbiter aboveground. These microscopic pinpoints reflect the sunlight heat back off to distance – planetary dimming. Manufacturing units like industries and conveyance are cutting down discharges, which is amending air quality. This could cut down the worldwide darkening result, and intend planetary heating might go on faster and be more terrible.Events Of worldwide darkeningThe impacts of worldwide darkening are tragical. It has already defeated bing beings on heavy grade. The reflective back up of heat energy has converted the organic structure of H2O of northern cerebral hemisphere colder. With organic structures of H2O temperature depressing lower rainfall is rendered and the demanded step of rainfall is ran out to carry through The Sahel, northwards Africa. It is at present discovered that the composite famine ‘s of 1970s and 1980s were stimulated by the lower sum of rains down. The BBC docudrama movie reasoned out that the smoke looking from human dynamos and pipages of northern U.S.A. and Europe is responsible for the devastation of 1000000s of populate in Africa although constructing the life of more than 50 million multitudes which were hapless. It is figured that one million millions of multitudes in Asia will be impacted by the worldwide blackening. The monsoon rain of Asia supply rain to virtually one-half of the earths population. If world-wide blackening will be capable to decrease the sum of rainfalls so one-half of the humanistic disciplines ( around three billion people ) will be hungering.Positive consequence of Global DimmingThe advantageous position of worldwide darkening comprises that it compensates the forceful results of worldwide warming. It is anticipated by the planetary clime alteration examples that the temperature of land will derive by five points by the undermentioned century. The affair has soon underrated the effect of worldwide warming. The most critical mark in that discourse is the world that if thrusts are made up to look into worldwide darkening than world-wide warming will be in turn disclosed. The beams of visible radiation of Sun can be recalled upon Earth by runing the discharge from diligences but it will be directed to increasingly worldwide warming as the nursery emanations are on manus in abundance in the air. To unclutter up on the instance let us reexamine the case of Europe in 2003. Europe drives to do clean the ambiance from pollutants without bearing in head the overweening measure of nursery emanations. As an result, the sum of harmful pinpoints came down where the figure of nursery emanations stayed indistinguishable. It without uncertainty reduced the strength of feminine in Sahel by turning the figure of rainfalls but it besides produced the awful heat energy axial rotation in 2003 that shot down 1000s of multitudes in Portugal and France and affected the celibate with a figure of extra events. Small nomadic molecules ( aerosols ) from natural roots, such as blowholes, wildfires, dust, sea-salt sprayer and desert littorals every bit good hold a chilling system consequence on the planet so deducing the affect of wholly all instances of aerosols on the clime is important.Argument on clime alterationThere are fundamentally two types of positions when it comes to the grounds of the planetary heating. The first position is that planetary heating is happening of course and has nil to make with human ingestion and activities. Whereas, the 2nd position is that Human activity causes planetary heating. Largely, groundss are on the side that human activity causes planetary heating. As, NASA says in the universe book that most of the scientists who are climatologists, they believe that human activity causes planetary heating. The anthropogenetic activity causes planetary warming in such a manner that the increased usage of fossil fuels and deforestation leads to the increased green hou se consequence which finally leads to the planetary heating, The combustion of fossil fuels create C dioxide which is a green house gas. This C dioxide so goes into the ambiance and lead to the green house consequence. In the same manner, glade of trees from land besides leads to the accretion of C dioxide in the ambiance and contributes to planetary heating. The other position provinces that addition in the sum of green house gases is non that massive that it leads to planetary heating. This procedure has occurred of course as the sum of heat emitted by Sun is increased. This natural phenomenon can be the ground of planetary heating, the scientists against this construct says that increased in the radiation of Sun has lead to the recent warming non planetary heating. Furthermore, in the clime argument of â€Å" what ‘s warming us up? Human Activity or Mother Nature † on scientific discipline day-to-day intelligence, there are no protagonists of merely one side, instead bulk in the Inter-governmental International Panel on Climate Change IPCC and Non-governmental International Panel on Climate Change ( NIPCC ) are the protagonists of both scenarios. They say that human ingestion and natural warming both wholly are the grounds of the planetary heating and non merely one alone can be the ground of planetary heating. The argument can be farther categorized by the information in favour of clime alteration and against the clime alteration.Information in favour of clime alterationA Paper was issued by United Nations in february that grounds out that worldwide warming is traveling on and will transport on since 100s. The article likewise expressed with big certain thing that the human activities has followed the basic ground of accelerative temperatures during the past old ages, on those coatings and the findings of other work forces of scientific discipline that worldwide warming up is present and will transport on into the predictable clip to come. ( Rosenberg, 2010 ) . A more distinguished works life development and gentler clime is assumed by scientists in Arctic, Antarctic, Siberia, and extra glacial parts of universe as a effect of planetary clime alteration. It is similarly pretended that the undermentioned glacial period perchance be kept from taking topographic point. Climate convert succeeds energy outgo to a lesser extent to warm up cold points. Cold conditions status makes less deceasing or injuries when equated to ramping atmospheric status. Warm conditions conditions consequences in enhanced agrarian output in some localised parts. Hot conditions bring in mountains gain in height because of runing down glaciers, traveling more high as they bounce versus the dropping weight of the ice. Global clime alteration sets an terminal to Boundary challenges between provinces across lowland islands. ( Rosenberg, 2010 ) . Numerous multitudes think that human-caused discharges of nursery emanation will direct to more high-pitched temperatures and exaggerated precipitation during the 21st 100. Likewise, it is conceived that these displacements might bear an invasion on economical public assistance. Newly geographic expedition or findings cast off current visible radiation with unitary important position. It is seen that changes in temperatures and precipitation prefigure by the acceptable forms of planetary clime alteration will in world do good to agribusiness in U.S.A.. They discover that the drawn-out developing times of twelvemonth and contributed precipitation entailed by the virtually quoted world-wide clime interchange will be given to step-up agriculture end products and thereby raise the favorableness of agribusiness. The forms of planetary clime alteration anticipate that, ordinary temperatures will originate from about 50F and precipitation will eventually average out around eight inches much yearly. Using these prediction, aggregated with the effects of agone hesitations in temperature and precipitation, it is reasoned out that farming productivity in the United States is in all chance to go up slightly around 4 per centum referable to climate alteration, bring forthing profitable net incomes. ( Benjamin, 2007 ) . A Modern examines by Spiegel searches the favourable chances of worldwide warming. Following are a few inside informations which will bear informant that worldwide warming will do northwards intellectual hemisphere more light-green: The effect of age long study by work forces of scientific discipline discovers the world that the flora in northern cerebral hemisphere gets expanded 8 to 12 per centum over in the North America and Eurasia. This demonstrates that at the continent-wide ordered series, atmospherical C dioxide, temperature, and precipitation reply for for 49 % , 31 % , and 13 % of the growing ingrowing clip of twelvemonth. Brought up dumbness of C dioxide heightens fertilisation consequence, that will work wonders upon workss that employ wholly three of the taking bio chemic piece of lands of photosynthesis The productivity of herbs can be supercharged about a 3rd in reaction to a 300ppm growing in the air ‘s C dioxide substance. Contrarily, ligneous works will exhibit an add-on in development of 50 % . A study carried by National Aeronautics and Space Administration scientists on equatorial forests in Africa, Asia, and the Amazon exposed that the new displacements in atmospherical C dioxide and clime advanced planetal gross. Worldwide warming up ballads out with opportunities and takes exclusion.Information Against Climate ChangeClimate alteration leads to defy Ocean circulation which causes unidentified results on universe clime. Greater low-lying caputs to overruning of low-lying evidences and devastations and disease from downpour and riddance takes topographic point. Deserts acquire dry go forthing to increased desertification. Transportations to farming end product that can head to alimentary deficits. Climate alteration causes H2O supply dearths in already water-scarce countries Famishment, malnutrition, and enhanced deceasing ascribable to alimentary and harvest shortages. More utmost conditions and an increased frequence of terrible and ruinous storms is the result of such a planetary alteration. It leads to raised disease in human existences and other life animals. Enhanced deaths from heating moving ridges are caused. Extinction of more species o f animals and works life. Want of animate being and works life place evidences are good seen. More frequent exile of those from lower lands move to more flush to seek better or non-deadly fortunes. It requires a auxiliary exercising of energy resourcefulness for temperature decrease. Raised air taint is one of its effects.Expanded allergic reaction and bronchial asthma gaits ascribable to earliest blossoming. Dissolving of permafrost foliages to desolation of societal construction, landslides, and axial rotations down have become a day-to-day portion of Earth ‘s change. It induces enduring want of glaciers. Increased sourness in rainfall to great extents which have truly worst effects on environment. Destruction of woods leads to heighten forest Burnss in sizing and impregnation. ( Rosenberg, 2010 ) . Climate alteration addresses the diffuse of disease. As northern countries warm up, disease keeping worms transmigrate north, presenting harass and disease with them. So a few work forces of scientific discipline conceive that it is because of worldwide warming that malaria has n't eliminated. Warm clime gets heater organic structures of H2O and legion hurricanes for the temperature of seas comes up, hence will the opportunity of more regular hurricanes gets increased. This leads to spread out chance and volume of drouths and heat flourishes and some part s will endure serious drouths and heat moving ridges. Harmonizing to the Intergovernmental Panel on Climate Change, worldwide warming will decline the footings and forced wars between parts. Worldly issues of the results of anthropogenetic planetary heating wo n't be good. Hurricanes tend to pass one million millions of dollars in equipment casualty, diseases cost gross to procedure and laterality and conflicts worsen wholly the who le. ( Simmons, 2010 ) . â€Å" The evidences for a warming orbiter is supported by lessons of prevailing eruptions in a part called the Siberian Traps. While the orbiter warmed up, heavy measures of glacial methane gas below the sea might hold been discharged to trip off flight greenhouse warming † , Ward said. Ward said. â€Å" It got hotter and hotter until it reached a critical point and everything died, † . â€Å" It was a double-whammy of heater temperatures and low O, and most life could n't cover with it † . † More than 90 per centum of all species were wiped out † . ( Brit, 2005 ) .Discussion And DecisionSo we have seen assorted facets of planetary clime alteration both in favour and against it. These are backed up by surveies of different people and scientists. In my position the disadvantages or drawbacks of planetary clime alteration are more of worth to detect the environmental effects so does the advantages of such alteration. Several points have been mentioned by Rosinberg, Simmons and Brit like diseases, inundations, starvations, sick nutriments, ozone depletion and deceases of life animals, which I think are more of import in a large image of environmental alterations which tend to harm the environment at most. Hence I will reason my research study as planetary heating or planetary clime alteration have inauspicious effects on the nature and life beings. The jobs are more in figure and at extremes than the advantages of planetary clime alteration.

Comfort Zone

Comfort Zone Brian Tracy, one of the top success speakers and authors in the world, has once said, â€Å"Move out of your comfort zone. You can only grow if you are willing to feel awkward and uncomfortable when you try something new. † His point is that, when one steps out of her comfort zone it will be strange, difficult, or painful. However, one will only grow or learn from the experience if they accept the embarrassment, difficulties, and the awkwardness that come with trying something new. I agree with Brian Tracy because of my experience becoming a soccer player.It started in middle school when I decided to join my school’s soccer team. I would watch soccer matches with my family and I was comfortable with the idea of watching it, never playing it. Until eighth grade, when I decided to step out of my â€Å"comfort zone. † Growing up, I wasn’t the healthiest child and I knew that I needed to change my habits. Therefore, in middle school, I decided to join my school’s soccer team. I knew a majority of the rules and how to play different positions despite not knowing how to dribble a soccer ball.When I attended the soccer meeting, that’s when it hit me that there’s a huge difference between watching soccer on TV and actually playing. The other players on the team had played soccer since the age of four, and there I was, without soccer experience. After signing up for the team, I felt foolish, scared, and distraught because I didn’t want the other players to judge me. I didn’t want them to make fun of me because I couldn’t dribble or kick a soccer ball, but my inner voice was still telling me, â€Å" Don’t quit! Let the judging motivate you! Who cares if I can’t kick a ball, I will learn! My comfort zone was watching soccer whereas, trying to play soccer was me, stepping out of my comfort zone. During warm-ups in the first practice, I felt as if I was going to die! My legs fe lt horrible, and there were 2 hours left of practice. I wanted to quit, I was uncomfortable and embarrassed because I fell during an easy drill, was the slowest runner, and tired in the first 20 minutes. In the back of my mind I knew that I shouldn’t quit, I did soccer for me, to benefit my health and feed my anxiety and curiosity about the sport. On the other hand, if I were to quit, I knew I would be unhappy and disappointed with myself.Therefore, I stayed with soccer and I’m happy with my decision because I’ve made the greatest friendships and came out of my comfort zone. My middle school soccer experience has changed me in the greatest way, it helped me realize that I will face problems where at times I won’t feel comfortable and that I shouldn’t quit, no matter how difficult, strange, or painful. After playing soccer in the eighth grade, I decided to continue to play in high school; I wanted to continue my new healthy habits and my friendships that I made in middle school.From freshman year to senior year, I have played soccer for my high school team, junior varsity for my freshman year and varsity for my sophomore, junior, and senior year, and during all my embarrassing falls, crazy drills, and â€Å"psycho† coaches, I realized I love playing. Such a shift in my own paradigm was one of the hardest things for me to do however, I learned what it means to play with heart and passion, a team is a family, and new healthy habits. I grew because I was willing to feel awkward and embarrassed and as Kristen Wiig has once said, â€Å"When you go out of your comfort zone and it works there’s nothing more satisfying. †

Statement of Purpose for the Masters Degree

Statement of purpose for the Masters Degree The information included herewith in my writing would elaborate on the reasons that motivate me to study at the University of Reading, prestigious Henley business school, and will further elaborate the causes for the selection of the specific path of study. Further in the latter part of my discussion I would like to explain the reasons for me to apply for a scholarship at the benevolence of a sponsor.Having earned a BSc (Accounting) Special (Hons) degree with a first class standing from University of Sri Jayewardenepura which is reputed as the faculty with the highest demand for management study in Sri Lanka and earning continuous professional development in PricewaterhouseCoopers for over three years, initially at a trainee level and then as a Senior Associate, I have shown an overwhelming interest on the field of financial reporting.The performance grades earned by me in PwC is fascinating since I was rated as â€Å"1† once and â⠂¬Å"2† twice, which denotes â€Å"Outstanding† and â€Å"Exceeding expectations† respectively, being the only one in the peer group to make such an achievement and these ratings consolidated my position further as a resource person in PwC on financial reporting and assurance services. I believe both the professional experience excellence and the academic excellence on the field of accounting and financial reporting have raised a knowledge hungry, enthusiastic to learn individual.Along with the real accounting problems faced by companies, learning advanced Accounting theory from reputed professors in Sri Lanka, enhanced my skills on the practice and sharpened me with my ability to think accounting problems in the practical context. Further to that, presentation skill was enhanced during the course of study and training and during the learning and development sessions held by PwC. Further to the above I pursued Chartered Accountancy professional course conducted by the Institute of Chartered Accountants of Sri Lanka and in pursue I won four prizes in all first three levels.This made me to be ranked among one of the very few achievers in Sri Lankan history on both the professional and academic qualifications. Currently I am pursuing the final level of the said course. The prizes (Highest Marks in the country for the exam) I won include Foundation level quantitative methods for decision making and second in Order of Merit for overall performance. In the intermediate level I won the prize of Second in Order of Merit for overall performance in that exam. Then I won the prize for excellence in business systems in the Final-1 level exam.These achievements coupled with the very special achievement that I was 8th in the island (Sri Lanka) in Advanced Level examination held in 2006 made me a prospective resource person in Sri Lanka in the field of financial reporting, and depicted the special interest shown by me on the specific sphere from the childh ood. Having seen the caliber of certain academics and professionals in the field of accounting and financial reporting I believe I have to further learn sophisticated areas on these subjects.One of the reasons I want to study further is to reach at least the same level of intuitiveness and panoramic view of the subject as my teachers and the professionals I have met have developed. However all these achievements were made by me in spite of very many economic difficulties since my family’s bread earner is only my father who is a retired lowest level government servant (His designation was Village Officer).I have a brother who still studies in the school for his A/L s and I worked in part time jobs during my all the time said achievements were made by me. I am a hard-working and determined person, and I am ready for a new leap in my business career. I am solely in a quest towards more knowledge and excellent competitive learning environment, with state of the art facilities. Th e only reasonable decision for me was to aim for such a place. All this gives me the motivation to apply to University of Reading, Henley Business School.

Environmental Scanning Assignment Example | Topics and Well Written Essays - 250 words - 1

Environmental Scanning - Assignment Example Strategic partners are now tasked with the duty of revisiting the policies that they have established to fight bullying and taunting both on the field, and out of the field by its players. This is more so because the report sanctioned by the league in February showed that Martin had been bullied and taunted by his teammates in multiple instances (Associated Press, 2014). Though the Miami Dolphins are on the spot, they are not the only club which has been involved in cases of bullying and taunting. Other teams also have to keenly go through their policies as well, to ensure that all their players maintain proper behaviour that does not discriminate against any other players they are in contact with. As the Wall Street Journal reported in February, League executives are in agreement that steps need to be taken to ensure that similar incidences are curbed, and change the culture of football (Associated Press, 2014). Stakeholders in the sport have had to re-evaluate the efforts they have in position to mitigate the form of violence that bullying and taunting is. As a football club, Miami Dolphins needs to enforce stricter measures in order for the players in their club to feel safer while they play the game. Legal constraints and protections would help other players who might be sourced after to join the club. Stricter measures will also give their players better chances of advancing their careers since they will not be stigmatized as a team that tolerates violent

Palestine Crisis Essay Example | Topics and Well Written Essays - 1750 words

Palestine Crisis - Essay Example Moreover, the Arabs argued that Israel without rhyme or reason had denied them access to their religious worship sites which were on the region. This included the Al-Assa Mosque and the Dome of the Rock (Brynen & El-Rifai, 2007). The notion spread abroad and some Jews living abroad developed a feeling that they were being excluded from specific parts in the society because of the presence of anti-Semitism forms in their midst. In addition, they believed that equality could not exist between them and the other European tribes since tribes which were not theirs were totally not interested in the issues that were affecting them. They, therefore, considered themselves to be second class citizens compared to other citizens coming from other European States. The hatred they felt amongst themselves drove them to form a political apparatus where they could freely stand up for their civil rights. Their intentions and ideologies in the begging were pure with secular connotations, but when reli gious Zionism was introduced, they joined as one and changed their ideology with their sole intention geared towards provoking conflict in the land. However, Zionism was strongly opposed by many for different purposes. Their objective was to acquire land for the Jews to be considered as country and they used different approaches to make this a success. Initially, the Zionist tried to figure out different ways to make the Jews leave the country for them. They knew that by constructing a building in the land of Israel, the Jews would be quickly attracted to the region and they partially succeeded in this because some Jews had started to purchase... This essay stresses that the Jewish at the time were very spiritual and they considered Israel, which is currently a nation to be a sacred place for worshipping God. They were further promoted by the biblical writings which argued that Jerusalem was a city of God. They believed that this land was promised to them by God and that the land was them as an eternal gift from God. Therefore, they did not take it lightly when strangers visited the land or possessed possession within it (Selby, 2003). Even after they came out of the country, many amongst them always longed to return to the land. The idea is still being nurtured by a sect amongst the Jewish like the religious Zionist who view the current resettlement process as part of God’s wider plan to see it become a reality. This paper makes a conclusion that the Palestine crisis has led to untold suffering amongst individuals who have kept the past to stick to their hearts. Finding a solution to the on going crisis will bring to an end the hatred that is felt by both conflicting sides and will lead to peace in the conflict torn region. The numerous peace negotiations between the two conflicting sides are symbol of hope for peace as different issues are addressed in these negotiations. In my opinion, because of the numerous challenges faced by the two sides in their attempts to find solutions, all sides should place an intense effort and should have an open and realistic mind during the negotiation process to find a peaceful solution for both Israel and Palestine.

Architectural theory Essay Example | Topics and Well Written Essays - 2500 words

Architectural theory - Essay Example This has been accelerated by the technological advancements in the field that has further led to the expansion of knowledge of the design theory of architecture. When looking at the design theory in architecture it is vital we consider the newly founded styles of architecture that is; contemporary, post-modernism and modernism Looking at architectural style of modernism, it is a style that was founded in the early years of the twentieth century. The roots and good qualities of modernist architecture have been safe guarded and are displayed in Marseilles, France at Le Corbusier's iconic Unite d'Habitation. The modernist architects were against the ways of their predecessors who had ornamental architectural designs. These modernist architects were of a rather different perspective of architecture whereby their interest laid creating space and structure exactly the way it’s needed. The design of a simple structure that had a structure of the natural world that surrounded them is a good example of how modernist architects thought. ... This era came in the early 1970s. Postmodernism was more of a blend between modernism and the era that was before modernism. This was due to the fact postmodernist architects had decorative and ornamental features and additions to their designs of buildings. This architecture was therefore an improvement of their predecessors although it had decorations and unplanned angles. Over the years with the advancement in technology, the discovery of new architectural ideas and concepts and ultimately the expansion of the architectural field, post-modernist architecture has come to be more modifiable and also more sculptural. These properties of post-modernist architecture are a response to the prior modernist architectural look, design and movement. The post-modernist architecture has over time transformed into a more profound, less rigid and sculptural form of architecture for example: the work of famous post-modernist architect Richard Rogers which was design of the Centre Georges Pompidou museum in Paris, France and also the work of another famous post-modernist architect Frank Gehry which was design of the Guggenheim Museum in Bilbao, Spain. When we talk about contemporary architecture we basically mean all the architecture that was developed in the 1980s. However this architecture has evolved over time due to the advancement in technology, the discovery of new architectural ideas and concepts and ultimately the expansion of the architectural field. Computer advancements have made it possible the simulation of architectural designs which has shed light into conceptual thinking and architectural styles. These computer advancements have taken the theoretical thinking and insight into recent architectural styles to new heights and have brought up a

Response Journal Essay Example | Topics and Well Written Essays - 250 words

Response Journal - Essay Example He jumps to safety and despite losing consciousness due to blood loss, he somehow gets back tom the train safely and to the doctor who takes him to Sherlock’s home. We discover later that the machine was actually a press used in the counterfeiting of coins by the criminals that had tried to end his life. This story is starts off with some rather tempting proposition which gets us thinking is it right for the engineer to accept the job despite the man acting as suspicious as he did? The engineer we can say acted in good faith and also was ethical enough in promising not to talk about the job to anyone. According to the code of ethics for engineers from the National Society of Professional Engineers, section II rules of practice sub section c states that, â€Å"Engineers shall not reveal facts, data, or information without the prior consent of the client or employer except as authorized or required by law or this Code.† So he actually acted ethically here. There is the question of how willing was the engineer to be beguiled in his haste to make quick money after his long stay without a client. Was he a bit greedy for the money promised? In part 8 of Doyle’s ‘The Adventure of The Engineers Thumb’ the engineer actually points out â€Å""I thought of the fifty guineas, and of how very useful they would be to me. He then proceeds to tell the man ‘Not at all, I shall be very happy to accommodate myself to your wishes.† This makes him easy to cheat and use for the crooks. The very first questions asked by the thin man should have put the engineer on guard as they are very telling in themselves. He enquires if the engineer is an orphan and if he has no wife or dependants. This already shows the thin man planned to kill him after his work as his disappearance would be easy to cover having no one to look for him. This should have been telling questions or was the engineer too concerned with

Starting a Business Essay Example | Topics and Well Written Essays - 3000 words

Starting a Business - Essay Example   From the onset, it was important for him to start thinking about the long-term plans of the business. Franchising or independent action was also considered in the business. Franchising was that where he was to work close when starting the business and taking it to the point where it is needed when running the business becomes easy and profitable in advantage. There was finding that once he became established and secure financially, franchising was a great disadvantage to the business (Bukar and Timothy, 2013). He chose the business as he wanted to manage it and choose the opportunity that has proven to be successful for those that had done the business before. He did not want to gamble on the development of new system. Franchising system that he used enabled him to provide a degree of marketing support. This is mainly an area of national advertising and recognition of name. In the long run, he considered investing in a far less money operating system as an independent service tha n as part of the franchise. He was also not tied to any formula that had been established as he operated independently. This is both an advantage to the business and also a drawback. The drawback that he had here was that there are no guidelines that he was to follow in accessing the services that he offered to the customers. All that he carried out was out of trial and error. As an independent owner, he had to research on every aspect of the business. This was both during and before the lifetime of the business.

Mcbride Financial Services Marketing Plan Essay Example for Free

Mcbride Financial Services Marketing Plan Essay The firm will specialize in conventional, FHA, and VA loans for home purchasing and refinancing. The company intends to expand its operations into Wyoming, Montana, North Dakota and South Dakota. † (McBride Financial Services website, 2003) According to their intranet site, McBride’s target market is: 1. Professionals purchasing either a primary or secondary residence. 2. Retirees purchasing a primary or secondary residence. 3. Families and/or individuals purchasing recreational properties. This document will review McBride Financial Services’ existing marketing approach and offer suggestions for focusing market research and what types of media to use. Additionally a review will be made of McBride’s target market and how the existing strategy relates to the marketing principles of the 4Ps and SIVA. Target Market McBride’s target market is professionals and retirees purchasing a primary of secondary residence as well as individuals or families looking to purchase recreational properties. They service the following states: Idaho, Wyoming, Montana and North and South Dakota. In addition, McBride is focusing on using state of the art technology in order to be able to offer their low cost mortgage services which means that the target market must also be willing and able to conduct are large portion of the mortgage application transaction using electronic means, i. e. Internet and email. Media types McBride’s current marketing plan, as listed on their intranet site, includes the use of the following media types: localized TV ads, newspapers, radio and realtors in addition to informational handouts available at airports and major tourist attractions. McBride’s annual advertising budget is $80,000. Given that McBride utilizes technology to reduce the cost of the mortgage application process, it is surprising that the existing marketing plan does not include an online advertising strategy. 4Ps The 4Ps are product, price, promotion and place. McBride’s product is low cost conventional, FHA and VA mortgages. The price for a credit report, the mortgage application, an inspection and appraisal is fixed at $1,500. Promotions are created through the above mentioned media types of TV, radio, newspapers and realtors and through informational handouts at the airports and at tourist attractions. The placement for the application process is via McBride’s website. Marketing Strategy The SIVA marketing methodology is defined as solution, information, value and access. According to Dev and Schultz (2005) this approach to marketing starts with understanding the market and the customers based on true and deep customer insights and then identify and clarify what customer’s value. Market research needs to be focused on identifying customer’s core wants and needs from a mortgage lender so that targeted value propositions can be created. McBride needs to adjust or change their services to align with the marketing research results. Additionally, McBride needs to focus on gaining insight from existing customers as to how to improve their services as well as potentially tapping that customer base for referral, perhaps by creating an incentive for existing customer’s to bring in new clients. Put another way, the market research should investigate McBride’s target market of professionals, retirees, individuals and families to create a solution (S) based on what those customer’s value. That solution can in turn be used to create multiple targeted value propositions (I) highlighting how McBride’s services address the needs and wants of their customers. McBride then delivers on the value proposition as determined by customer needs and wants gained in the research (V). The value is measured through both market research on potential customers and through feedback loops from existing customer’s so that solutions can continually evolve to better meet the needs of the target markets.