Assignment 4 - Investment Portfolio Management

4 - Investment Portfolio Management - Assignment Example on while a value of 4 suggests greater risk aversion Therefore, in this case the utility adjusted return needs to be calculated which is actually the market risk premium expected by the investor. The formula for calculating the utility adjusted return is as follows: Putting the values in the formula, the utility adjusted return is obtained to be 5.52% which is greater than the risk free rate. This return is adjusted for the risk borne by the investor and therefore is the expected market risk premium required by the investor. ii) The allocation between stocks and risk free assists will have to be done on the basis of the risk aversion coefficient of the investor. In this case, the investor has a risk aversion score of A = 4; which suggest that the investor is more risk averse and thus will always choose to invest the majority proportion of the funds in less risky assets. Putting the values given above in the aforementioned formula we obtained the expected return of the portfolio to be 13.81% (refer to excel sheet for calculation). The standard deviation was calculated using the standard deviation formula in excel which provided a value of 0.034 for the current portfolio of the investor. iii) The underlying reason behind the inclusion of fund C is the fact that it has the highest expected return with the same standard deviation. This suggests that an investor investing in fund C will realize greater returns by assuming the same degree of risk borne by an investor who invests in fund A. In addition, the correlation of returns with the current portfolio for fund C is the highest. This suggests that fund C best compliments the investor’s current portfolio. Therefore inclusion of fund C within the current portfolio would be an optimal choice. iv.) In order to calculate the expected portfolio return and standard deviation value of the newly formed portfolio which includes the index fund C alongside the previous stocks, the same formula that was applied while

Shakespeare Essay Example | Topics and Well Written Essays - 1500 words

Shakespeare - Essay Example Two well known film interpretations are Roman Polanski’s 1971 classic and Geoffrey Wright’s 2007 modern version. These two films have been made with contrasting values and attitudes, yet are true to the original text. Wright’s version is however more suitable for a younger audience than Polanski’s classic version as Wright has set it in a contemporary context. The movie’s fast paced narration, its theme of underground Melbourne gang and trendy costumes make it far more appealing to young viewers than Polanski’s seventeenth century approach. Polanski has made one of the grittiest Shakespeare films with some realistic period costuming of Zeffirelli and a cold and clammy castle set for a location. Director Geoffrey Wright in his version attempts to make Macbeth contemporary by setting it in the contemporary Melbourne underworld. Here swords are substituted by guns and royalty by gangsters. Wright’s Macbeth is gritty, violent but critically flawed at times. Roman Polanski has set his play in the middle Ages whereas Geoffrey Wright moves the action into the present with an Australian background. Luxus und Dekadenz sind geradezu spà ¼rbar.Wright’s movie portrays luxury and corruption. The actors are stylish, always fashionable dressed whereas Polanski replicates the Middle Ages with some realistic costuming by Zeffirelli. Fitting a play which was written hundreds of years ago into a modern film with a contemporary setting is difficult, but Wright has done it extremely well. The original play is about Kings, Lo rds and Ladies. Wright modernises this by transforming King Duncan into the Drug Baron and the Lords as members of his gang. The weapons are also replaced by machine guns and the horses and carriages by Audis and dirt-bikes. Technology too is evident in the movie. Macbeth’s house is equipped with security cameras and monitors. This makes the audience feel that the

Terror Management Account of Conspicuous Consumption

Terror Management Account of Conspicuous Consumption Abstract The motivation behind this part is to clarify the mental underpinnings of the obvious utilization from the viewpoint of dread administration hypothesis. Our fundamental proposal is that prominent utilization is an immediate consequence of the extraordinary human consciousness of mortality and the quest for self-esteem and passing amazing quality that this mindfulness causes. In spite of the fact that it is anything but difficult to study contemporary American cases of avarice and indulgence, given the long and broad mankinds history of unwarranted utilization, we cant credit it to the impact of present-day private enterprise or corporate culture; rather, it is a result of essential all inclusive needs. Without a doubt, we contend that if contemporary people are all the more extremely inefficient, it is fundamentally as a result of present day innovation instead of due to any new social or mental improvements. We exhibit authentic and observational confirmation in support of our dread administration clarification of consumerism. At last, we consider what may be done to encourage life-maintaining utilization, stripped of the harmful, psychopathological craving for endless measures of pointless stuff that undermines human bliss and debilitates the very presence of the human species by contaminating and exhausting the regular assets whereupon our survival, at last, depends on. A TERROR MANAGEMENT ACCOUNT OF CONSPICUOUS CONSUMPTION Modern man is drinking and drugging himself out of awareness, or he spends his time shopping, which is the same thing †¢ Ernest Becker, The Denial of Death Authors main claim? The Authors main claim is that the human awareness of death and the potentially overwhelming existential anxiety, it engenders motivates people to imbue life with meaning and derive self-esteem from cultural beliefs about the nature of reality. That concern about mortality play a pervasive role in human affairs, and suggests that people construct cultural worldviews in order to manage the terror engendered by the human awareness of death. What are the reasons the author gives for his/her main claim? 1. The virtues of materialistic consumption are deeply woven into the very fabric of human culture. 2. The human desire for money and materials indicates that rationality is not the sole factor that drives consumption behavior. What evidence does the author give for each claim you identified above? Evidence might include examples, statistical data, interview responses, or theoretical application. Evidence 1 : Business communities worried, because of the magnitude and impact of the terror attack on sep 11, that the incident would initiate a recession in the United States.Americans bought homes and cars in record quantities. They also snapped up appliances, furniture, and electronic gadgets. From October through December, consumption soared at 6% annual rate.Although exercising ones credit cards in the wake of these catastrophic reminders of vulnerability and mortality may in some ways seem surprising, such behavior follows predictably from the perspective of terror management theory. Evidence 2 : Spending eternity in a heavenly afterlife is a quaint and attractive prospect (e.g., Islamic Jihads Sheik Abdulla Shamnis 1995 [reported by Abu-Nasr, 1995, p. 1A] descrip ­tion of heaven as a world of castles, flowing rivers, and lush fields where the blessed can eat the most delicious food, the most luscious fruits and the tenderest cuts of meat), but ultimately intangible and empirically uncertain, whereas large piles of gold, enormous mounds of possessions, and lavish con ­sumption is ineluctably real and symbolically indicative of immortal power. The notion that the urge to splurge is fundamentally a defensive death denial above and beyond the quite legitimate pursuit of material comfort and aes ­thetic pleasure is supported by both the historical record and contemporary empirical research. Evidence 3: Roheim (1934) found that the primary motive for acquiring money and possessions in virtually all known tribal cultures is ulti ¬mately symbolic and ceremonial, in the service of gaining and maintaining prestige, and has little to do with money as a rational medium of exchange of goods and services. Do you agree with the author? Why or why not? Explain in 4-6 sentences. Yes, I agree with the author because in this world human behavior is directly or indirectly related to consumption ,yet our consumption behavior is not based solely on our physical survival needs despite it takes lot of time and effort to make money to be extravagant and lavish and you hardly find any time to think of death and practice measures to deny it. References Solomon, S., Greenberg, J. Pyszczynski, T.A. (2003). Lethal consumption: Death-denying materialism http://www.sciencedirect.com/science/article/pii/S1877042811019999 https://www.scribd.com/document/197728014/LETHAL-CONSUMPTION-DEATH-DENYING-MATERIALISM https://bradleyallsop2.wordpress.com/2015/01/22/death-denying-our-defining-feature/

The Cycle of Evil in Shakespeares Hamlet :: GCSE English Literature Coursework

The Cycle of Evil in Hamlet In the play Hamlet, William Shakespeare illustrates how revenge can ravage one’s mind. Revenge, put in simple terms, is an act of inflicting harm or injury in return for a wrong. [Obvious?] Both Hamlet and Laertes vowed to seek revenge for the murders of their fathers. In doing so, they weren’t making right what was once wrong, but instead they were returning the same evil that had been inflicted upon them. Revenge isn’t good or sweet when it is in fact evil continuing to repeat itself. William Shakespeare helps bring this point to the forefront by using the Ghost of King Hamlet as a foil to Hamlet. The Ghost is used to give Hamlet someone to talk to in order to understand him more. These two characters both express their revulsion of Gertrude’s marriage to Claudius. [You need to cite from the text here, particularly for the Ghost.] Also, both King Hamlet and Hamlet were brought to their deaths at the hands of poison, although King Hamlet had the poison poured in his ear by Claudius while sleeping. On the other hand, Hamlet was poisoned with the point of Laertes’s rapier during their duel. The Ghost brings about two different perspectives of Hamlet. First, Hamlet can be viewed as a loyal son. Hamlet is prepared to avenge his father’s murder before the identity of the murderer was made. [He is?] After the Ghost reveals Claudius as his murderer, he demands that Hamlet does not punish Gertrude in seeking revenge against Claudius. Hamlet doesn’t get revenge against Claudius until his mother dies after drinking the poison in the cup that was originally intended for Hamlet to drink. [Ergo, does he get revenge for his father, or for his mother?] On the other hand, Hamlet doesn’t necessarily fulfill his father’s wishes. Although unintended, Hamlet â€Å"punishes† Gertrude by slaying Polonius before her eyes. Thus evil deeds were to continue to repeat themselves. [I don't see the repetition here.Which "evil deeds" are you referring to?] Another character used as a foil to Hamlet was Laertes. Both Hamlet and Laertes had endured the lose [loss] of their fathers at the hands of a murderer. Both character[s] sought revenge for these murders. Laertes immediately wanted to kill Hamlet for his crime, expressing how he would cut his throat in the church. The Cycle of Evil in Shakespeare's Hamlet :: GCSE English Literature Coursework The Cycle of Evil in Hamlet In the play Hamlet, William Shakespeare illustrates how revenge can ravage one’s mind. Revenge, put in simple terms, is an act of inflicting harm or injury in return for a wrong. [Obvious?] Both Hamlet and Laertes vowed to seek revenge for the murders of their fathers. In doing so, they weren’t making right what was once wrong, but instead they were returning the same evil that had been inflicted upon them. Revenge isn’t good or sweet when it is in fact evil continuing to repeat itself. William Shakespeare helps bring this point to the forefront by using the Ghost of King Hamlet as a foil to Hamlet. The Ghost is used to give Hamlet someone to talk to in order to understand him more. These two characters both express their revulsion of Gertrude’s marriage to Claudius. [You need to cite from the text here, particularly for the Ghost.] Also, both King Hamlet and Hamlet were brought to their deaths at the hands of poison, although King Hamlet had the poison poured in his ear by Claudius while sleeping. On the other hand, Hamlet was poisoned with the point of Laertes’s rapier during their duel. The Ghost brings about two different perspectives of Hamlet. First, Hamlet can be viewed as a loyal son. Hamlet is prepared to avenge his father’s murder before the identity of the murderer was made. [He is?] After the Ghost reveals Claudius as his murderer, he demands that Hamlet does not punish Gertrude in seeking revenge against Claudius. Hamlet doesn’t get revenge against Claudius until his mother dies after drinking the poison in the cup that was originally intended for Hamlet to drink. [Ergo, does he get revenge for his father, or for his mother?] On the other hand, Hamlet doesn’t necessarily fulfill his father’s wishes. Although unintended, Hamlet â€Å"punishes† Gertrude by slaying Polonius before her eyes. Thus evil deeds were to continue to repeat themselves. [I don't see the repetition here.Which "evil deeds" are you referring to?] Another character used as a foil to Hamlet was Laertes. Both Hamlet and Laertes had endured the lose [loss] of their fathers at the hands of a murderer. Both character[s] sought revenge for these murders. Laertes immediately wanted to kill Hamlet for his crime, expressing how he would cut his throat in the church.

Overpopulation of Animals

Millions of companion animals are being euthanized by animal shelters each year nationwide. One might ask why this is. Is there any one person or persons that is responsible for the over population of animals going to our local shelters? These are all questions that need to be answered. If we as the general public want to start tackling these problems, we need to gain further understanding of how and why these problems are created in the first place. As with every topic there are always two sides to every story. This topic is no different. The different voices and opinions vary as much as the different types of breeds of animals. First you have the authority group, like that of your local animal shelters and humane societies. These groups agree primarily on the idea that yes, animal over population is a huge problem, and that spaying and neutering is the number one way to stop domesticated animals from creating more and more offspring. The second solution that many of the authority groups share is the fact that pet owners are not always as informed as they should be about the amount of time, attention, and money it actually takes to properly care for an animal. While speaking with Dr. Joseph Hoelzle, a local veterinarian of 32 years in Cave Junction, OR, he definitely agrees that animal over population is a HUGE problem. He is presented daily with animals that have been lost or abandoned. Dr. Joe and his staff only have a small facility, so when they do receive dogs and cats at their door step, they are very limited in the options they have. If an animal is very sick or injured they have the legal right to euthanize. Otherwise if the animal in question is a dog they have to call the local animal shelter, as they do not have the facilities to facilitate dogs. Cats on the other hand, they can do more with. Dr. Joe and his staff can house them longer and try and find homes for them. When asked his opinion on whether or not he thought the public is lacking in education on the actual amount of responsibility it takes to take care of animals, his response was yes, definitely. Take horses for example, people see horses and how pretty they are and decided to bring one home. If you have never owned a horse before, or have never even been exposed to horses and how to take care of them, then you have no clue how much work it actually takes to maintain one. † Dr. Joe went on to say that the average size dog that is in good health takes approximately $10,000 a year to properly care for them. The first step when making any decis ions on obtaining an animal, no matter what type or breed, is always research. Research how big they will be, what types of health problems are prone to those specific animals, do they require a lot of maintenance, are they high in energy, and so forth. Another interview that was conducted was with Marci, from the Josephine County Animal Shelter in Grants Pass, OR. Not knowing how far out the animal shelter was from my location, I made sure to leave with plenty of time to find the shelter as well as be early for the actual interview its self. As I was sitting out front of the animal shelter waiting for my interview to be had, I can hear all the barking and howling of all the dogs. Through their sad cries you can hear the yearning in their voices to just be loved. This is just one of the many reasons I absolutely love dogs. Although they are locked in â€Å"jail† not know what their final destination might be, they still greet everyone with a smile, and a wagging tail, faithful to the end. The first question to break the ice that I asked Marci was, do you like your job. Marci says she absolutely loves her job and would not change anything she does daily that she is somewhat of an adrenalin junkie. This job is a very rewarding job, frustrating at times but very rewarding. You get the chance to make a difference, a difference with not only the animals that you receive or rescue, but also with the community. † Life as an officer of the animal shelter can be very challenging at times. Some of the challenges they face on a regular basis is a lack of support, a huge lack in funding, lack of man power, and a lack of the proper equipment. They do not have all the fancy equipment that is seen in magazines, or on the popular TV. show on Animal Planet, Animal Police. Marci goes on to state, â€Å"We do not even have the proper funding right now to obtain something as simple as ramps for our trucks. † According to Brad Tally, the animal control supervisor for the Josephine County Animal Shelter, there Annual budget is $400,000. The shelter only receives a total of $75,000 from general funding. The shelter themselves are responsible for raising the remaining balance of $325,000 themselves. They do this through fundraising, donations and the funds they receive from pet owners licensing their pets. Marci explains that it is an Oregon state law that a dog is licensed. Oregon does not recognize cats. If an animal control officer is called out to a residence for something like a disturbance call, and they realize that the dog is not licensed, the owner can be fined for the cost of the original license plus an added thirty dollar penalty fee. If the owner is still not compliant within 30 days of the citation, they can be fined again with a $360 dollar citation. â€Å"We would rather not issue citations; we would rather try and cut the owners a break by giving them a verbal warning. Marci’s thoughts on animal overpopulation and a productive method of reducing the number of animals producing offspring’s that potentially have no homes to go to, are similar to those of Dr. Joe. She says that the overpopulation of domesticated animals can be stopped by spaying and neutering. That there are a lot of programs out there that can and will help with the cost of the procedures. â€Å"If every pet owner decided to get their animals spayed or neutered, the number of animals being picked up and dropped off would decrease significantly. One incentive that is already in place statewide is that, if a pet owner does get there dogs fixed the cost of the licensing is also reduced. The cost goes from thirty five dollars down to eighteen dollars. Another issue Marci raised that contributes to the overpopulation problem was the fact that there are â€Å"back yard† breeders that breed dogs for money. â€Å"They are not breeding their pure bred with another type of pure bred to better the breed; they are breeding these dogs just to gain money. They have no actual intention on ever doing anything with these dogs; they merely do this out of pure greed. An opposing view point to this statement taken from CQ Researcher: America’s Pampered Pets, By Mary H. Cooper Volume 6, issue 48, Para. 29 states that: AKC breeders argue that because their dogs are healthy a nd properly groomed, their rights to bred animals should not be taken away. When Marci was asked about the disturbing fact that millions of animals are being euthanized each year in American shelters and whether or not this was true, her response was actually rather positive. She was able to leave a since of hope, in my now saddened realities. Marci stated that their rates of euthanasia have dropped considerably. That the shelter has started looking for other means of dealing with their animals other than turning directly to euthanizing. Each year animal shelters nationwide receive what is known as â€Å"throw away pets†. What exactly are throw away pets? Picture this; you’re out one day driving around with the family, and all of a sudden you see one of those handmade signs that read â€Å"Free Puppies†. So you decided to pull over†¦ you walk up to see all the adorable puppies, wagging their tails and looking at you with those big innocent eyes. You and the family take one home, not really knowing much about the puppy, let alone its breed. And before you know it, this cute little adorable puppy has turned out to be way more work than you or your family had initially anticipated. So with not wanting to continue to keep up with the daily responsibilities of owning the dog, you decided to take it to the local animal shelter in hopes that it will find a â€Å"better home†. This is where the term â€Å"throw away† dogs comes from. Sadly enough, this is what Marci and the others at the Animal shelter see on a daily basis. The general procedure that is followed when a new animal is received differs from cats to dogs. The first step is the initial paperwork that is involved, getting them â€Å"logged into jail†. After they have done the paper work one of the first things they do is scan the animal in hopes to find a microchip. (Microchips are tiny chips surgically implanted into a dog or cats skin that contains all of the owners contact information. ) If there is not a microchip present and the dog does not have any type of licensing information on them, then the dog is held for seventy two hours. During the holding period the dog is kept in the back kennels away from potential adoptees. A lost and found book is gone through to make sure that the dog in question has not already been called in as lost. If in the seventy two hour period the dog is still not claimed, they perform a temperament test. If the dog passes the temperament test, then they are eligible for adoption. The other means of handling stray dogs other than euthanasia, mentioned earlier in the paper, that the shelter turns to are working with other programs as well as other counties. Some of the programs they work with are PAWS and Dogs for the Deaf. The other county they work with to place dogs into forever homes is Jackson County. PAWS is a non-profit animal shelter located in West Linn, Oregon. According to their website located at www. pawsanimalshelter. org, Since we opened our doors on June 6, 1999, we have found homes for over 1,000 cats, 45 dogs, 1 rabbit, 2 turtles, 1 pigeon, and a miniature horse. According to the website www. dogsforthedeaf. org, Dogs for the Deaf rescue dogs from animal shelters throughout Oregon, Washington, Idaho, and California. We choose dogs that are people friendly, confident, and motivated by toys, treats, and affection. We rescue, train, and place 30-40 dogs annually. The dogs are trained with positive reinforcement and lots of love. When asked Marci’s opinion on the lack of public information, and whether or not this could be one of the factors that is contributing to the overpopulation of animals in animal shelters, her response was, â€Å"As far as public information, that is something we do, but with the lack of man power and time we have, this is something that we cannot do enough of. There are only two actual officers working out of the Josephine County Animal Shelter, Marci and her partner Bill. Between the two of them they are expected to answer to every single call placed out of Josephine County. This area is roughly from the California border, to the Glendale off ramp, out to the Applegate area. This is where the lack of man power comes into play. An article in the Journal of Applied Animal Welfare Science, (Beyond Overpopulation: A comment on Zawistowski et al. and Salman et al. By: Fehell, Lee Anne, 1999 Vol. , Issue 3. Para. 24) Brings up yet another reason as to why animals start to stack up in animal shelters. â€Å"The general public more times than not are detoured away from their local animal shelters due to the common knowledge that pets is killed at the site. They do not want to be made feel guilty or responsible for that animal’s life if they do not pick that certain one to bring home. † Getting a new animal is and welcoming that animal into your home is supposed to be an exciting joyous event, not something that is associated with death or defeat. Although there is a majority of people who would rather obtain a dog or cat from someone they know rather than going to a shelter and possibly taking home an animal that they were not a hundred percent set on, there is also a large majority of people who feel the complete opposite. They would rather go to the local animal shelter and possibly save that cat or dogs life. This in my opinion gives these individuals a sense of accomplishment. Here is a poem about just that.

Promote Equality & Inclusion Essay

Explain what is meant by Diversity Diversity means differences between individuals according to their nationality, age, culture, ability, race, sexual preference and religion Equality Equality means fairness and justness of individual rights, giving choices and opportunities in respect of individual needs Inclusion Inclusion means involving everybody, empowering individuals, encouraging choice and providing opportunities according to need What are the potential effects of discrimination on individuals Discrimination could potentially damage a service users self-esteem and their ability to develop and maintain a sense of their own identity How would you challenge discrimination if you discovered it in your care setting If I discovered discriminatory behaviour, I would question the person discriminating against the service user and suggest ways in which the service user could be included in the activity. If this did not work, I know how to report my concerns and trust my manager to rev iew and develop policies and procedures accordingly. How does inclusive practice Promote equality If you are including the person in whatever you are doing, you are treating them as a person, a unique being and not letting their disability preclude them from joining in with every activity that they are able to do, within their capabilities. Support diversity Allow people to be individuals and value their differences. Activity 2 (2.1, 2.2,) For each of the terms below Equality Diversity Discrimination Name the legislation that relates to this subject All of the above are now covered by the Equality Act which came into force on the 1st of October 2010. This combines lots of separate pieces of legislation into one single Act and provides a legal framework to protect the rights of individuals and promote equality of opportunity for all. They are also covered by the Human Rights Act 1998, most provisions of which came into force on 2 October 2000. This guarantees the following rights The right to life. The right to freedom from torture and inhuman or degrading treatment or punishment. The right to freedom from slavery, servitude and forced or compulsory labour. The right to liberty and security of person. The right to a fair and public trial within a reasonable time. The right to freedom from retrospective criminal law and no punishment without law. The right to respect for private and  family life, home and correspondence. The right to freedom of thought, conscience and religion. The right to freedom of expression. The right to freedom of assembly and association. The right to marry and found a family. The prohibition of discrimination in the enjoyment of convention rights. The right to peaceful enjoyment of possessions and protection of property. The right of access to an education. The right of free elections. The right not to be subjected to the death penalty. Identify the code of practice that covers this area The Code of Practice for Health and Social Care Workers covers this area, the principles of which are Commitment to equality, diversity and human rights values. Promoting equality, diversity and human rights in decision making. Advancement of equality, diversity and human rights. Monitoring equality, diversity and human rights performance. Commitment to equal access and open standards. Give an example from your organisational policy of how you apply the code in practice We do not have a specific Policy on Equality, Diversity or Discrimination, but the principles of these are embedded in all our Policies and Procedures. For example, our Policy on Maintaining Privacy and Dignity recognises that most interactions between employees and their service users demonstrate some form of dependence upon the employee, obligations exist therefore to ensure that a code of conduct is observed which ensures that all actions undertaken are the express wishes of the service user are conducted in such a way that the service user does not feel undervalued or inadequate protect privacy and dignity promote respect between the employee and the service user Service users Rights must be respected at all times. Service users have the right to Have their needs properly assessed and to have those needs met on a consistent basis, and to a defined level of quality Receive written information about the care they are receiving, together with its cost Exercise an appropriate degree of control over their lives Make informed choices and take decisions Make a complaint about any aspect of the service they are receiving Receive care, a ttention and services on an equal basis with all others Be protected from any abuse or conduct which is detrimental to their well-being and health Privacy Be treated in a manner which promotes dignity, well-being and understanding. Our Policy states that We will make every effort to ensure that the rights defined above are met on a consistent basis, that employees are adequately trained in, for example,  Protection of Vulnerable Adults (POVA), and will include representative Quality Statements in its Quality Assurance Programme. Our Handover Policy states that all records will be factual, accurate, jargon-free and non-judgemental in their reporting. How does it affect your work role We look at the client as an individual and do not treat her any differently to any other person. We will also protect her from discrimination by others according to the principles outlined in the Human Rights Act. Case Study Using the following situation, describe how you would put the service users interests at the centre of care. A service user has recently been admitted to the care home where you work. She originates from Bangladesh, but has lived locally with her son and his wife for several years. She does not speak or understand much English, as she has never felt the need or had the opportunity to learn the language. She is in the early stages of dementia, and is unable to understand what is happening to her. She lacks awareness of why she cannot live with her son any more. He feels he can no longer cope with her at his ho use and feels guilty because she is now in a residential home. His cultural background is one where there is an expectation on the oldest son to look after his family, which he is unable to fulfil. He comes on a regular basis to see his mother, but when he is not there she will not eat, drink or let anyone do anything for her. How can you ensure that She is not discriminated against She is treated equally All her needs are met I would treat her the same as everyone else, so that she does not feel discriminated against. In the above scenario, it would be important to learn some key words in her own language to help her to understand what is being requested of her so that she does not feel so isolated. We would need to ensure that her needs are met according to her cultural background, this may involve asking for help from her family to ascertain what support is required and how staff can make her feel more at home and also to find out if she has a particular faith and maybe invite the faith leader and members of the congregation to spend some time with her. We would need to make sure that she still has full access to her family. If there is a member of staff that she can relate to, ensure that she has some time with her. Ask the family to attend as often as practicable and maybe invite some of her friends in to spend some time with her. Ascertain whether she has any favourite foods that she will eat. Try to involve her  in the activities of the home and ensure she is included, whilst recognising that she is different ensure she has the same opportunities as everyone else.

The Soviet Socialist Leader essays

The Soviet Socialist Leader essays Vladimir Ilich Ulyanov, more popularly known as Lenin, is arguably the greatest leader in Russian and Soviet Union History. Lenin inspired and led the Bolshevik (Communist) Revolution of 1917, and was the architect and first head of the recently dismantled United Soviet Socialist Republic. I would also argue that the Bolshevik Revolution is the most significant political event of the 20th century, and Lenin must for good or ill be regarded as the century's most significant political leader. Not only in the scholarly circles of the former Soviet Union but even among many non-Communist scholars, he has been regarded as both the greatest revolutionary leader and revolutionary statesman in history, as well as the greatest revolutionary thinker since Lenins considerable leadership power stemmed primarily from his visions and the passionate manners in which he conveyed them. This was never more evident than during the Communist Revolution. Lenin did not have a great military mind, nor his generals and advisors, and thus he created some of the more serious military blunders of the century. However, Lenin was able to continually inspire the Bolshevik army despite their many defeats. Outnumbered, outgunned, starving, freezing, and exhausted, Lenins motivated army defeated the Mensheviks in 1918 and seized Adding to the amazement of his leadership ability, Lenin controlled the Bolshevik revolution from another country. Lenin fled to Switzerland for the greater portion of the 1917 Revolution to escape possible capture and execution. While in Switzerland, he authored many idealist works, including Imperialism, The Highest Stage of Capitalism (1916). In this book, Lenin argued that the world war was an inevitable outcome of Western capitalism and imperialism, whereby the capitalist states of Europe had come to rely upon aggressive foreign expansi ...

Free Essays on Heraclitus - Permanent Flux

Permanent Flux It is said that every great journey begins with one step. This is not true. A more accurate saying would be, â€Å"every great journey begins with the idea of the journey†, thus leading to the idea of the step, and so on. The steps will surly follow an idea, but nevertheless the ideas will always precede any action. Once one gets an idea in one’s head, one must either forget it, or act on it. Such as the case with the first Philosophers, known now as the Pre-Socratics. The Pre-Socratics, which started around 600 B.C.E., formed ideas of a journey to enlightenment of their society. Instead of dismissing this idea, they thrived off it and took the first steps toward teaching an entirely new way of thinking. These first thinkers of philosophy, which has an appropriate meaning of the love of wisdom, wanted to know more about life, earth, the stars and most importantly, the â€Å"being† of it all. Though not the first of the original thinkers, Heraclitus of Ep hesus, was among this group of lovers of wisdom and revolutionized the world with his idea of â€Å"being† and allowed mankind to follow in his steps. The Pre-Socratics are known for creating philosophy by searching for a rational order to their world and their being. Prior to the philosophers, man simply accepted the mythological stories and supernatural concepts. The philosophers, however, approached questions to by observing their surroundings. This was the world they could touch and feel, therefore making it an ideal foundation to their quires. The first of the Pre-Socratics examined the natural world and assumed the â€Å"stuff† that made all things â€Å"be† came from the natural surroundings around them. For example, by an early scientific and rational approach, the Pre-Socratics took the four elements of the world, as they knew them to be (water, air, earth, and fire), and studied them. Some deduced water to be the â€Å"stuff†, while others looked to... Free Essays on Heraclitus - Permanent Flux Free Essays on Heraclitus - Permanent Flux Permanent Flux It is said that every great journey begins with one step. This is not true. A more accurate saying would be, â€Å"every great journey begins with the idea of the journey†, thus leading to the idea of the step, and so on. The steps will surly follow an idea, but nevertheless the ideas will always precede any action. Once one gets an idea in one’s head, one must either forget it, or act on it. Such as the case with the first Philosophers, known now as the Pre-Socratics. The Pre-Socratics, which started around 600 B.C.E., formed ideas of a journey to enlightenment of their society. Instead of dismissing this idea, they thrived off it and took the first steps toward teaching an entirely new way of thinking. These first thinkers of philosophy, which has an appropriate meaning of the love of wisdom, wanted to know more about life, earth, the stars and most importantly, the â€Å"being† of it all. Though not the first of the original thinkers, Heraclitus of Ep hesus, was among this group of lovers of wisdom and revolutionized the world with his idea of â€Å"being† and allowed mankind to follow in his steps. The Pre-Socratics are known for creating philosophy by searching for a rational order to their world and their being. Prior to the philosophers, man simply accepted the mythological stories and supernatural concepts. The philosophers, however, approached questions to by observing their surroundings. This was the world they could touch and feel, therefore making it an ideal foundation to their quires. The first of the Pre-Socratics examined the natural world and assumed the â€Å"stuff† that made all things â€Å"be† came from the natural surroundings around them. For example, by an early scientific and rational approach, the Pre-Socratics took the four elements of the world, as they knew them to be (water, air, earth, and fire), and studied them. Some deduced water to be the â€Å"stuff†, while others looked to...

What Is Net Worth Complete Guide

What Is Net Worth Complete Guide SAT / ACT Prep Online Guides and Tips If you’ve ever analyzed your personal finances, you may have come across the term â€Å"net worth.† Simply put, your net worth is what you have minus what you owe. While net worth is a useful way to evaluate your financial situation, it also has some major flaws. Let’s define the concept of net worth, and then look at some key adjustments you can make to assess your finances and plan for the future even better. What Is Net Worth? A Hard Definition You just read a simple definition of net worth: what you have minus what you owe. Let’s rename â€Å"what you have† as assets and â€Å"what you owe† as liabilities. Let’s say your major asset is a $10 lemonade stand. Your major liability? The $4 you owe to your mom for sugar and lemons. Overall, your net worth is $6. Not bad for a 7-year-old budding entrepreneur. Twenty-five years later, your assets and liabilities probably look a little different. You lost the lemonade stand, but you collected other assets, like a savings and checking account, a car, a sweet road bike, and several rare Beanie Babies that you had the foresight to save. While you’ve paid off that $4 debt to mom, you’ve amassed some other liabilities: namely a hefty car loan and an even heftier student loan. Your net worth is the total value of all your assets minus the total value of all your liabilities. Using this example, let’s break down the steps to calculating your net worth. Calculating Net Worth: An Example Considering our 32-year-old friend who, sadly, did not grow up to run a lemonade stand empire (let’s call him Joe) we can list out all his assets and liabilities. Next to each one, we assign their current market worth. All of Joe’s assets together add up to $27,000. Again, these values represent the current market worth; who knows what the volatile Beanie Baby market is going to look like tomorrow? His liabilities total $35,000. The chart below shows the breakdown of Joe’s assets and liabilities beside their current values. Assets Current Market Worth Liabilities Current Market Worth Checking account $2,000 Car loan $5,000 Savings account $6,500 Student loan $30,000 Car $15,000 Road bike $1,000 Beanie Babies $2,500 Total: $27,000 $35,000 Net worth = assets - liabilities = $27,000 - $35,000 = - $8,000 After subtracting his liabilities from his assets, Joe is left with a negative net worth totaling $8,000 in debt. While ending up with a negative net worth isn’t ideal, it’s not actually unusual or even necessarily a bad thing, especially at certain points in life. In fact, Joe looks like he’s in a pretty good financial spot, especially if he keeps making consistent payments toward his car and student loans. So how can you calculate your own net worth? Read on for each step of the process. How to Calculate Your Net Worth: 6 Steps To calculate your own net worth, you need to go through the same process as Joe. There are six steps: Step 1: List Out All of Your Assets These could be tangible things like houses, cars, motorcycles, bicycles, land, pleasure yachts, baseball cards, rare coin collections, Basquiat paintings, fur stoles, gemstone-encrusted goblets...you know, the usual. They could also be intangibles, like stocks or other investments. Step 2: Determine Current Market Worth Once you’ve identified your assets, determine their current market worth. Don’t value your car at the amount for which you bought it, for example. Instead, find out what you could sell it for now. Step 3: List All Your Liabilities These could be student loans, personal loans, car loans, mortgages, or credit card debt that you amassed paying for all those pleasure yachts. Step 4: Determine Your Debts As you did with your assets, assign the amount of money that you currently owe to each liability. Step 5: Subtract Assets from Liabilities Figuring out your net worth is a simple subtraction problem: total value of assets minus total value of liabilities. Then you have your net worth! If you end up with a negative net worth like our friend Joe, it isn’t necessarily a bad thing. Lots of recent graduates, for instance, will be in this position thanks to ever-growing student loans. Your net worth doesn’t account for changes in your earning and spending over time, which is one of its major limitations. I’ll discuss the pros and cons of net worth in more detail below, so if you’re only interested in the hard definition of net worth, you should stop reading here. If you want to know how to make a more realistic assessment of your finances in both the short and long term, though, then you should keep scrolling. Before getting deeper into net worth, a quick note about my background in finance and economics. My Background in Finance and Economics I’ve invested my higher educational life to studying the ins and outs of economics. At Harvard, I got my Bachelor’s in Math, Master’s in Statistics, and Ph.D. in Economics. Eager to put theory to good use, I started a personal finance circle in my community to help struggling neighbors get on the path to financial independence. Along the way, I’ve deftly managed my business PrepScholar’s cash flow and my own personal finances. For many of us, school teaches us a lot about critical thinking, but very little about how to manage our money. With my background, I sincerely hope to assist others in developing solid financial planning skills. Now that you know a little about me, let’s return to the topic at hand: net worth, why it’s a useful metric for understanding your personal finances, and where it falls short. Why Is Net Worth Useful? 2 Main Reasons Calculating your net worth is a traditional approach to measuring your financial standing. It’s relatively easy to calculate, and it shows you the balance between your assets and your debts. If you calculate your net worth several times throughout the year, then it also suggests a pattern in your financial worth. Let’s take a closer look at the two main uses for this framework of net worth. Reason #1: Net Worth Reveals Your Current Financial Standing Net worth gives you a big picture view of your financial profile at a specific point in time. It makes you take stock of what you have and what you owe. If you were to sell off everything you owned and put it all toward paying off what you owe, you’d have your net worth left over- whether it’s cash in your pocket or remaining debt. Realistically, you’re probably not going to trade in all of your earthly positions, move into a log cabin, and pull a Henry David Thoreau, but you do know what your safety net looks like if you were to experience a big financial change, like getting laid off. Calculating net worth gets you to identify your assets and liabilities, connect the dots between them, and understand your financial standing at a particular moment in time. Reason #2: Net Worth Shows Patterns Over Time A one-time calculation of net worth only tells you about the present, but comparing your net worth over time reveals patterns in your earning, saving, and spending. If you were to determine your net worth three times over a year, then you could see how it changes. Imagine your net worth as a see-saw with assets at one end and liabilities at the other. If the see-saw tilts down toward debts, then you can consider ways to level it off over time, perhaps by reducing your monthly spending. If it’s starting on the upswing toward assets, then you can strategize about how to keep that progress going. By calculating your net worth several times over a set period, you can identify patterns in your finances. As a result, you can think about lifestyle changes that would help you yield a higher net worth the next time you sit down with your calculator. All that being said, there are also some major flaws in the concept of net worth. It contains some big blind spots, and it’s important to know what these are so you don’t miss the forest for the trees. Read on to learn how net worth paints the big picture, but overlooks some of its most important details. How Is Net Worth Limited? 3 Major Flaws The idea of net worth misses a few major parts of your life. When it talks about assets and liabilities, for instance, it misses a pretty major one: you! Net worth completely overlooks all the money that you’re making and spending now and in the future. By focusing solely on assets and liabilities, it fails to take into account the human element. Net worth also doesn’t distinguish between types of assets. Some assets get more valuable over time, while others are like a slowly sinking pleasure yacht. Let’s take a closer look at net worth’s three major flaws, and then discuss some excellent ways to fix them. Flaw #1: Net Worth Misses One Huge Asset Don’t take it personally, but net worth completely overlooks you as an asset. It focuses on things that you possess, but it ignores your labor income now and in the future. Let’s say you make $30K a year. If you maintain that income, then you’ll bring in $300K over the next ten years. Realistically, you’ll probably bring in even more as your skills, experience, and earning potential grow over time. Net worth overlooks all of this income. Consider a second example. Alex has $10k saved and no debt. Britney, though, is $100K in debt. According to the traditional net worth definition, Britney is in a way worse financial position than Alex. However, Alex makes $20K a year, while Britney, who’s in debt because she went to medical school, just got a guaranteed $200K per year job! It’s Britney, ultimately, who’s in the superior financial position. The traditional net worth formula, though, doesn’t show it. For many people, especially those in their 20s and 30s, labor income is their primary asset and thus the most important metric when analyzing personal finances. I don’t have a wide array of tangible assets, like a collection of antique motorcycles or Renaissance art. My human capital is, by far, the most relevant asset when assessing my financial standing. If I only used the traditional equation of net worth to measure my finances, I would be overlooking my most important asset. Flaw #2: Net Worth Doesn’t Include Baseline Spending Just as net worth ignores you as an asset, it also overlooks you as a liability (no offense). Your basic consumption- groceries, shopping, climbing gym membership- accounts for major drains on your budget. If you need $20k of baseline spending per year, then you’ll be spending $200k over ten years. Like your income, your basic consumption has a huge influence on your finances. Net worth takes into account big liabilities, like mortgages, student loans, and credit card debts, but it doesn’t acknowledge smaller ones that add up over time. It doesn’t incorporate your baseline spending, which might be a much more relevant metric to lots of people than, say, a bulky mortgage on a farmhouse in upstate New York. Flaw #3: Net Worth Doesn’t Distinguish Between Types of Assets Finally, net worth is a static measure that doesn’t account for the fluctuating values of your assets. Let’s say you have a $20K yacht and $20K in a stock index. When calculating your net worth, these two assets look exactly the same. If you sold everything off that day, both would give you $20K each in your pocket. If you’re trying to make a realistic and forward-thinking assessment of your finances, though, should these two assets really be considered on an equal level? I would answer with a hard no. The boat costs $4K a year to maintain. Your investment is likely to get $1K or more in returns. Since it’s sapping money and losing value over time, the boat is a consumption asset. The investment, on the other hand, is a productive asset. Distinguishing between consumption and productive assets is one way to fix this flaw in the net worth system. Read on for a full breakdown of how to calculate net worth in a way that’s more realistic and useful for your long-term planning. How to Calculate Your Net Worth Better Now that I’ve exposed net worth’s flaws, let’s talk solutions. There are two main adjustments you can make to improve this assessment, the â€Å"Total Net Asset† fix and the â€Å"Productive Net Worth† fix. Let’s look at both in more detail. Fix #1: Total Net Asset Fix As you read above, the standard analysis overlooks you completely. It doesn’t account for the two largest levers to improve yourself: increasing your earning power and decreasing your spending habit, two important topics that I’ll explore in other articles. To fix this oversight, you should estimate the next 10 years of your earnings and baseline spending. Ten years is long enough to give you a good idea of your finances, while short enough that you can make a realistic prediction. If you make somewhere in the range of $40K a year, then you could estimate that your income over the next ten years will add up to $400K. If your annual baseline spending adds up to $20K, then you’ll be spending at least $200K over the next decade. Of course, changes in your income and spending will happen; that’s the whole point. This long-term projection lets you take control of your personal and professional choices, because it reveals just how much a raise in salary or cut in spending could affect your long-term net worth. The Total Net Asset fix gives you better insight into your finances, and it lets you think in a more forward-thinking way about your choices. You can play around with a few estimates to see how changes, both small and big, could increase your worth over time. Fix #2: Productive Net Worth Fix The second solution, which I’m calling the Productive Net Worth fix, helps distinguish between productive assets that gain value over time and consumption assets that lose value over time. I would suggest a somewhat radical departure from the traditional net worth equation. Instead of counting all of your assets, only count your productive assets. These might be money in your bank accounts, cash, stocks, and any investment properties. The consumption assets you’d leave out include a house, car, or boat. The way you use these consumption assets on a day-to-day basis (to live, drive, or throw lavish pirate-themed parties, respectively) is their primary value. Since they both cost money and depreciate over time, they should be left out of the net worth equation. (Side note: you might wonder if a house should be counted as a productive asset. Robert Kiyosaki, author of Rich Dad, Poor Dad, gives a convincing argument on the house-as-liability side. According to Kiyosaki, a liability is â€Å"anything that takes money out of your pocket.† Because of all the upkeep and repairs they require, houses can often be considered a consumption, rather than a productive, asset.) Now that we’ve gone over both adjustments, the Total Net Asset and Productive Net Worth fix, let’s put both of them together to see how you can make the most realistic assessment of your financial worth both now and in the years to come. Measuring Net Worth: A More Realistic Assessment Let’s bid farewell to Joe and consider a new exemplar, Stacy. Stacy has a $20K car, $10K in savings, a $5K student loan, and a $1K personal loan. Here’s her list of assets and liabilities alongside their current market values: Assets Current Market Value Liabilities Current Market Value Car $20,000 Student loan $5,000 Savings $10,000 Personal loan $1,000 Total: $30,000 $6,000 Using the traditional calculation, Stacy has a net worth of $24,000 ($30K - $6K). Based purely on the hard definition of net worth, Stacy could theoretically raise her net worth by upgrading her car. Since we now know that a car is a consumption asset that both costs money and loses value over time, this approach would be a questionable one. The traditional definition of net worth is trying to lead Stacy astray! Let’s fix that. Using our Productive Net Worth fix, let’s eliminate the car completely from our assessment. Then we’ll apply the Total Net Asset fix and add in Stacy’s projected income and baseline spending over the next ten years. We estimate that her income will be $300K, and her spending will add up to $200K. Assets Current Market Value Liabilities Current Market Value Savings $10,000 Student loan $5,000 Projected income $300,000 Personal loan $1,000 Projected baseline spending $200,000 Total: $310,000 $206,000 Stacy’s new net worth over 10 years is $104K. Rather than giving her a one time balance of her assets and liabilities, this â€Å"fixed† net worth assessment helps Stacy figure out her finances over the long-term while incorporating her most important asset and liability, her own labor income and spending. With this estimate, Stacy can begin to think more realistically about her long-term value and how to improve her position. What can she do to yield a net worth higher than $104K over the next ten years? Some strategies for increasing net worth over the long-term are all fodder for another article, but a few key ones include, Improving her earning potential through education and skills training, Making cuts to baseline costs, Eliminating debts, and Avoiding the purchase of consumption assets. Sorry, Stacy, but you probably shouldn’t buy that state-of-the-art Jetski with your current balance of $24K; it’s only going to eat away at your long-term net worth. In closing, let’s review the key points you need to remember about net worth, its traditional definition, and the adjustments you can make to get an even more realistic assessment of your long-term financial profile. Calculating Your Net Worth: What You Need to Remember The concept of net worth helps you balance your assets and debts and evaluate your financial standing. The traditional formula has you simply subtract the sum of your debts from the sum of your assets. While this approach has some uses, it’s not nuanced enough to truly help individuals with their personal finances. Nor does it apply to lots of people whose primary asset is their own labor income. In fact, the net worth formula is a vestige of corporate accounting and much more relevant to businesses than to you or me. By making a few adjustments- namely, by estimating future cash flow and distinguishing between consumption and productive assets- we can make the net worth formula work much better for us. Then we can use this analysis to inform our financial choices. Rather than solely looking at little-picture changes, like cutting out morning lattes at Starbucks, we can focus on big-picture changes that have a great long-term effect, e.g. increasing our earning potential with a new degree, paying off high-interest credit card debt, and resisting the urge to buy a boat. With a couple key fixes to the traditional formula of net worth, we can look outside the present moment and gain a long-term idea of our economic worth. The result? Smart financial choices now that will benefit us substantially in years to come.

Compare and Contrast Essay Example | Topics and Well Written Essays - 1250 words - 9

Compare and Contrast - Essay Example Dillard’s mother was fluent in English and taught her children many English phrases. The kids learned about the â€Å"Tamiami Trail† from their mother when they visited Florida. Tampa was on one side of the coast and Miami on the other. The road that connected the two was the one named Tamiami Trail. Her mother told them the struggles people had to through to build the trail. The road took fourteen years to be complete. Dillard’s family was speaking the wrong English. Her father had no problem with her English, but her mom was always correcting her by using the wrong words in a sentence (Dillard 354). Dillard’s mother had many jokes and joked on many occasion, from the supermarket cashier to the surgeon doing her surgery to the couple she did not know. Dillard’s mother was an intelligent woman with much energy. She got bored quickly and did not like focusing on a single thing for a long time. Dillard had two other sisters. The children plus their father were worried when their mother had a difficult time figuring out to do things or why certain things are in existence. It is a story told by White about his childhood experiences at the lake with his father. White then takes his son to the lake again after years. Lake Maine was a family vacation site for White’s family. They always visited the lake on summer holidays (White 1). White took his son for the first time to experience the life at the lakeside. White brings the audience down memory lane and ways he grew up going to the lake often. White reflects on how similar he is to his father. The relationship between him and his son is the same as the one he had with his father at the lake. The whole essay is about that fact. The fact that the lake has not changed a little from the time he was a kid until he had his child. His son reminds him of how he was when he went to the lake with his father. Family values are traditional values: values passed from one generation to

Adolescence in anthropology Assignment Example | Topics and Well Written Essays - 750 words

Adolescence in anthropology - Assignment Example According to our Week 2 lecture from Dr. Tanya Mueller, the female body form is, at times, considered the default body form.The lack of the Y-chromosome is responsible for the development of female anatomy while in utero A person becomes a male or female while in utero, which is after conception but before birth and puberty. All embryos are identical in external appearance for the first eight weeks of gestation, and then several factors nudge the infant toward male or female development. In the seventh week, the embryo has both male and female primordial ducts. In the normal female fetus, the millerian duct system then develops into oviducts and a uterus. In the normal male fetus, the wolferian duct system on each side develops into the epididymis and vas deferens. The external genitalia are similarly bipotential until the eighth week (The reproductive organs and genitals associated with "female" or "male" arise from the same initial (fetal) tissue). Thereafter, the urogenital slit d isappears and male genitalia formed or alternatively, it remains open, and female genitalia is formed. If the egg was fertilized with the x chromosome then the female structures continue to mature, the default system. However if the y chromosome fertilized the egg then a hormonal switch happens; two genes are activated and the female structures are completely dissolved and destroyed and the male organs take their place. Hormones play an overwhelming role in determining sexuality right from conception to puberty. The increased production of sex hormone like estrogen is responsible for changes like breast growth, changes in the walls of the uterus and vagina, and changes in the pelvic structure. Hormones like prolactin and lactogenic stimulates milk production and also helps maintain normal ovarian cycle. Follicile-stimulating hormone stimulates egg production in female while sperm production in males. Luteinizing hormone stimulates ovulation in females while the hormone oxytocin caus es uterus to contract and the breasts to release milk, thus lending female characteristics. On the other hand, hormones like testosterone stimulate development of male reproductive tract and male secondary sexual characteristics. Being a female, from the biological point of view, is determined on the basis of distribution of body hair, patterns of fat deposit, higher voice etc. A major characteristic is the establishment of the menstrual cycle. This involves the periodic growth and shedding of the lining of the uterus. Being a male again can be identified by definite body features and distribution of hair and fat etc., besides in the production of sperm and ejaculation. Also, males and females have different behavior patterns. Some behavioral differences are learned (patterns of dress, use of facial make-up), whereas others appear to be less dependent on culture (degree of aggressiveness, frequency of sexual thought). 2. Several lectures discussed the establishment of adolescence as a distinct life history stage. When do you think we see this occurring? In other words, even though there is no doubt mammals, monkeys, apes, and fossil hominids experience puberty (age at alpha) or reproductive maturation, do these qualify as a â€Å"distinct life history stage†? Why or why not? The sexual development of puberty has a typical pattern I both boys and girls, with a generally predictable line of changes taking place. The onset of puberty in most girls is marked by the development of breasts, which happens at an average age of 11 years. This is followed by the growth of pubic hair, and then hairs in the armpit. However, it has been found that a minority of girls have pubic hair coming out before their breasts begin to grow. Menstruation takes place usually two and a half years after the onset of puberty. A regular pattern of ovulation corresponding to achievement of fertility usually develops rapidly after a girl begins having menstrual cycles. However studies have shown that one half of adolescent

Hollywood's irrational allergy to 'black' films Essay

Hollywood's irrational allergy to 'black' films - Essay Example The author initially described the prevailing racial prejudice that continue to pervade Hollywood by disclosing that even George Lucas, the world renowned producer of blockbuster films, had faced outright rejection when â€Å"Red Tails† was proposed. Using logical structure and presentation, Martin eventually presented an enumeration of facts to dispute the allegation that supposed â€Å"black films† could not be possibly effectively marketed. By intending to use persuasion to emotionally appeal to the audience that more African-Americans have made legendary marks and accomplishments in contemporary American society, Martin used appeal to pathos as a convincing element. Eventual discourse focused on the culture of Hollywood through narrating and disclosing that it is a â€Å"close-minded society where it's hard to find African-Americans in positions of true power†. As such, through analysis, readers would deduce that without sufficient backing, representation and support from any significant leader or senior management with approving power, films with predominantly black actors were deemed a complete debacle. Further, Martin contended that there is an eminent dilemma in Hollywood that typecasts films with predominantly black casts as â€Å"black† films and therefore render them unmarketable with significantly low global audience appeal. By providing vivid examples through citing famous personalities, the author ensured that increased understanding is rendered to the readers, as intended.

Facebook as a New Media Home and Distance Assignment

Facebook as a New Media Home and Distance - Assignment Example The paper posits that in the virtual space, Facebook has overcome the friction of distance. In reality, however, the medium has increased the social distance between its users. My Facebook community is significant. First, there are members of family and relatives. While a significant number of them are present on Facebook, I still prefer to communicate with them through more formal channels such as phone and email. For this category of participants, the virtual distance remains large, although socially we are close. Then there is an entire array of â€Å"friends† from elementary and high schools, classmates in college, and friends and acquaintances from church. Then, of course, there are â€Å"friends† of these â€Å"friends†. I communicate with this category of â€Å"friends† a lot via Facebook. Thus, the virtual distance between us is very short(Chen 1212). However, for close friends with whom I have had a long history, I preserve more serious talk on the phone and face-to-face conversations. For a physical house, the boundaries are quite clear. In most cases, there is a fence that demarcates the boundaries of the house. Usually, a person will not walk into the house unless they are a member or have been invited. This order ensures privacy for the inhabitants of the house. For the media house that is Facebook, the boundaries of friendships are quite blurred (Chen 1214). In fact, it appears that there is no limit to the chain of friends one can â€Å"invite† or receive invitations from. This scenario virtually erodes privacy on Facebook. Often, I receive "friend requests" from total strangers. In all cases, my reaction is to turn them down. On my part, I only â€Å"invite† people I know personally and whom I believe would be pleased to receive the invitation. There is a hierarchy of my Facebook â€Å"friends†(Chen 1213). At the top of the pyramid are family and friends. So serious am I about this category of friends that I limit my Facebook communications to greetings.  Ã‚  

Business Ethics In Financial Institutions Essay

Business Ethics In Financial Institutions - Essay Example There is also damage to the business, as well as the employees and consumers who rely on that organization for their livelihood (Fisman & Miguel, 2008). Business ethics have become part of an organization’s foundation. Presently, managers are now well-prepared to deal with and handle situations that come about as a result of moral issues and principles that are part of the financial sector. During the course of everyday life, everybody; consumers to executives, may be affected by business ethics. It is this line of thinking that makes business ethics a crucial element in the handling of everyday business. The code of ethics in every financial sector demands honesty, integrity, and transparency (Huevel et al., 2009). Business ethics are crucial in communicating the core values that are tantamount in the growth and development of society and organizations. Dealing with numbers on a large scale, especially in large corporations, there is always pressure to perform. This may make individuals to try and engage in some unscrupulous activities just to please the organization and stakeholders of the organization. Business ethics, in this case, steps in to ensure that members of an organization have what it takes to handle the pressure and protect the organization’s integrity, and at the same time, offer transparency to the internal and external members of the organization. In truth, business ethics may act as an outside source of guidance, even as there is pressure to perform from every angle in the business spectrum. Ethics may also act as boundaries when it comes to the organization’s culture. When dealing with finances, it becomes rather tricky to always be on the right track. This means that it is a daunting task to protect... These policies act as guides as they contain specific requirements and identify the organization’s expectations of the employees throughout the working process. This leads to a better awareness of the benefits and advantages of having moral principles in everyday business dealings. The environmental factors that surround an organization can also be monitored to ensure that unethical conditions are reduced. A case in point would be the over-competitive nature that people in the organization are exposed to that may lead to unethical behavior. Monitoring such an environment could be of benefit to the growth of ethical standards in the organizations. In conclusion, if firms or organizations are keen on operating a certain way, it is crucial for them to write down moral codes. They need to follow these principles and rules so that they can protect the integrity and honesty of the financial sector. Money is not evil. Rather, it is something that is used to run commercial activities between individuals and organizations. It should not be the cause of all the squabbles and disagreements that are seen on most financial fronts in the world. It may be alright to make a lot of money provided individuals conform to the rules and regulations of the law and society. The disconnection between a firm’s code of ethics and its activities needs to be bridged. This makes it easier to handle the organization’s members, society, and stakeholders as they strive to conquer the international business market.

Critically evaluate the role and effectiveness of the Environment Essay

Critically evaluate the role and effectiveness of the Environment Agency (UK) in improving air quality in the United Kingdom - Essay Example The organisation plays a regulative role in reducing the emission of air pollutants into the atmosphere from huge industrial processes and thereby improving the air quality in the country. Recently, the agency has planned to extent its operational area to large scale agricultural activities too while giving exception to some agricultural activities that cause release of air pollutants. This paper will critically evaluate the role and effectiveness of UK’s Environmental Agency in promoting air quality in the country. Air pollution in UK Air pollution is a drastically growing issue in the United Kingdom at both local and national levels. Although the air pollution in UK has been better improved over the last decade, it still struggles with air quality issues. Official data indicate that CO2 emissions significantly contribute to the UK’s pollution issue. The UK Air Quality Strategy gives specific focus on emission of air pollutants including benzene, 1,3-butadiene, lead, o zone, carbon monoxide, and nitrogen oxides (DEFRA, 2012). Road transport, fuel combustion, and industrial emissions are some of the major sources of air pollution in UK. Historically, the UK has been greatly suffering from sulphur dioxide and smoke emissions. Nowadays, traffic emissions are growing to be a potential impediment to the UK’s air pollution control efforts. Combustion of fossil fuels has an increasing impact on the UK’s urban air quality. As we mentioned above, air pollution has a range of negative effects on both health and environment. Even though moderate levels of air pollution are not likely to have any serious effect on a normal individual, continuous and long term exposure to air pollution may result in threatening health conditions including inflammatory and respiratory system failures. Air pollution more severely affects the long term sustainability of the environment. Emission of air pollutants like CO2 causes depletion of ozone layer and allows i nfrared and other harmful rays to enter the earth’s atmosphere. Such rays are dangerous to a number of ecosystems and therefore cause to destroy the balance of ecology. Researchers argue that air pollution can have devastating impacts on biodiversity and crop yields. In UK, several studies are being conducted to accurately explore the effects of air pollution on vegetation. Primarily, the UK has started its response to air pollution by the middle of the 20th century when issues like urban smog, black smoke, and sulphur dioxide had begun to threaten the country’s environmental safety. The United Kingdom started to monitor its air pollution issues on a national scale in 1961 (UK Air Pollution, 2003). In the strength of such initiatives, the country could notably reduce coal burning emissions to a great extent. When the country focused more on the reduction of combustion related emissions, transport sector grew to be the most potential source of air pollution in most regi ons of the UK. In order to effectively address this historic change, the UK government’s focus has progressively turned to traffic pollutants including ozone, fine particular matter, and nitrogen dioxide. Some data indicate that UK’s air monitoring networks have noticeably developed over the last two decades; but, this growth did not much contribute to air quality level improvement. Increasing awareness of environmental sustainability, UK’

Business Ethics In Financial Institutions Essay

Business Ethics In Financial Institutions - Essay Example There is also damage to the business, as well as the employees and consumers who rely on that organization for their livelihood (Fisman & Miguel, 2008). Business ethics have become part of an organization’s foundation. Presently, managers are now well-prepared to deal with and handle situations that come about as a result of moral issues and principles that are part of the financial sector. During the course of everyday life, everybody; consumers to executives, may be affected by business ethics. It is this line of thinking that makes business ethics a crucial element in the handling of everyday business. The code of ethics in every financial sector demands honesty, integrity, and transparency (Huevel et al., 2009). Business ethics are crucial in communicating the core values that are tantamount in the growth and development of society and organizations. Dealing with numbers on a large scale, especially in large corporations, there is always pressure to perform. This may make individuals to try and engage in some unscrupulous activities just to please the organization and stakeholders of the organization. Business ethics, in this case, steps in to ensure that members of an organization have what it takes to handle the pressure and protect the organization’s integrity, and at the same time, offer transparency to the internal and external members of the organization. In truth, business ethics may act as an outside source of guidance, even as there is pressure to perform from every angle in the business spectrum. Ethics may also act as boundaries when it comes to the organization’s culture. When dealing with finances, it becomes rather tricky to always be on the right track. This means that it is a daunting task to protect... These policies act as guides as they contain specific requirements and identify the organization’s expectations of the employees throughout the working process. This leads to a better awareness of the benefits and advantages of having moral principles in everyday business dealings. The environmental factors that surround an organization can also be monitored to ensure that unethical conditions are reduced. A case in point would be the over-competitive nature that people in the organization are exposed to that may lead to unethical behavior. Monitoring such an environment could be of benefit to the growth of ethical standards in the organizations. In conclusion, if firms or organizations are keen on operating a certain way, it is crucial for them to write down moral codes. They need to follow these principles and rules so that they can protect the integrity and honesty of the financial sector. Money is not evil. Rather, it is something that is used to run commercial activities between individuals and organizations. It should not be the cause of all the squabbles and disagreements that are seen on most financial fronts in the world. It may be alright to make a lot of money provided individuals conform to the rules and regulations of the law and society. The disconnection between a firm’s code of ethics and its activities needs to be bridged. This makes it easier to handle the organization’s members, society, and stakeholders as they strive to conquer the international business market.

Language and its relation with apes Essay Example for Free

Language and its relation with apes Essay When we talk about language it means the language that we use for communication. Humans have used different types of language in past for communication and the language that we speak today has been eventually achieved after lots of changes. It has been said that using language for communication has differentiated humans from other animals on this earth. Talking about language includes sign language, spoken language and other languages used for communication. Language should be differentiated with speech because speech involves production of sound from the voice box whereas anguage means a way commonly used for communication and to express one with each other in society. All animals use some form of communication or other but researchers don’t classify it as language. But it has been seen that some of the animals like dolphins, apes, chimpanzees etc. can communicate using the language used by humans. Dolphins are even found calling each other by names. As far as apes are concerned great ape language has even evolved by the researchers while teaching gorillas, orangutans and chimpanzees. It is seen that they communicate with each other using sign language or physical tokens. These usages of different types of tools to communicate indicate their ability to use language. When we go back into the past we find that in the beginning the language was not related to speech and can be said to be a type of sign language. Many researchers have made studies and have come to the conclusion that apes can understand sign language and can easily communicate with humans if trained to do so. A chimpanzee was caught in the wild and was named Washoe. When she was ten months old, she was handed over to a husband and wife involved with the researcher’s team. It is a fact that chimpanzees are fully dependent till two years of age and semi dependent up to four years of age. They made the environment like a deaf parent would make for their child and then started experiment on Washoe. There was at least one of the researchers with her when she was awake and tried a lot of techniques in order to teach her sign language and how to communicate with humans. Before project Washoe, attempts to teach animals the voice language had failed so the researchers tried to teach her the American Sign language in which they succeeded to a far extent. While teaching Washoe, when she used to learn any language properly she was rewarded so that it encouraged her and initially she was even taught to bring her hands together and touch her fingertips. Then the couple started teaching her to be more precise with her hands’ movements. In the first couple of years the couple were not sure whether she was really catching the language or not because sometimes she did not react to that but when she was shown the object she would make the correct sign for that. It was also seen that some of the things she used to name in her own way and continuously did the same. This also shows that chimpanzees applied their own wish and brain and not just copied what they were taught. It was concluded by the researchers that when humans started to communicate with the help of speech, their vocal tract developed and it eventually brought changes in the human brain too. The language that we use today to communicate can be found back 200,000 years ago where we find similarities in the language. But it was almost 50,000 years back from when sophistication of language started. The first step must have been the use of grammar in the language and the basis of today’s language must have eveloped. But it is still a matter of debate whether it developed gradually or suddenly because researchers have no proof for any of the two. Language is said to be unique human quality and researchers have found evidence that suggests that a sudden change took place somewhere in Africa around 50,000 years back. This brought some changes in human brain and some of the scientists have concluded that a group of Africans left and proceeded to colonize other parts of the world. This way similar language pattern spread and is now found in most parts of the world. There are ome researchers who believe that the language of today has eventually been achieved and has gone through different stages and the modern linguistics must have evolved since late eighteenth century. It depends upon the circumstances and surroundings and it has been proved by the researchers that chimpanzees when kept in supporting environment can learn and communicate in sign language with humans. The richness of our language for communication is considered as distinctive achievement because it provides us with the ways to express our feelings and emotions to others. Each and every achievement of umans can be credited to language because without it nothing could have been possible in the field of science and technology, philosophy, art and culture or any of the fields. There is language diversity found in this world and even market of language technology is also growing. Language has helped a lot in expanding different types of businesses throughout the world. Exchange of ideas and views become very important when it comes to business or any field that is concerned with the whole world. The use of computer and Internet has also brought the whole world quite close and even the diversity f languages can be bridged with the help of latest technology. Translations are done with the help of software and although they are less accurate than the work done by humans, they are cheap and easily accessible. It can almost be considered as revolution and this has been spreading widely through the help of computer. Initially language was thought to be a unique human quality and that must be because it gave every human to articulate and communicate easily with each other. Understand each other in a better way, which was a great achievement for humans and this helped them to ravel and know about different cultures and livings. Language is the base of all the developments and achievements in this world. If there were no collectiveness due to common language, there would have been nothing possible. All the developments either technical or in the art world are seen and enjoyed today just because a group of people were able to communicate and discuss on some point and then after a lot of studies and experiments were able to reach where we are today. Communication has also helped to pass on the ideas of one generation to other and in this way development has eventually eached and is further heading in future. The most important thing needed for communication is language as it is the base and without which it would have not been possible to communicate. It happens at many levels and in various ways but need of language is must. Language becomes the means that helps to communicate within the working team and thus helps achieve targets and success. Man is a social animal and he needs to communicate in order to remain attached to the society and every member of the society has his or her share in its development. Many scholars have given instances and tried to explain the importance of communication and its relation with language. Just to prove the significance of language there had been so many projects to teach languages to animals and men have succeeded in it. Some of the animals can understand and communicate in sign languages if taught in perfect age like chimpanzees and some can even speak too like parrots if taught at an early age can communicate with vocal expressions. Dolphins are found to call each other by names and they also communicate with their human companions and understand their instructions. Dolphins are found to respond to music too. Language is an organized form of communication, which can be conveyed through voice, signals, and gestures or written symbols. But just communication or its ways are not considered as language and this is the reason why the communication of animals is not considered as language. Humans speak and write language as a system of symbols and grammars or rules with the help of which the symbols are manipulated. Most of humans use sounds or gestures as communication tools and language is considered to be exclusively as mode of communication for humans only.

Special interest tourism

Special interest tourism Abstract Tourism is included in the most dynamic and propulsive activities, with complex and multiple effects. It supplies tourism with strong driving force in wide range of activities and includes it more and more into priorities of economic development of numerous receptive countries and their particular parts. Wealth, preservation and appeal of natural resources, large number of traditional agricultural households, gradual increase in domestic population living standard, as well as increasing interest of international market for performances of special interest tourism, make solid framework for development of this branch of tourism in Serbia, where required conditions exist. The development of other, accompanying activities is emphasized also in order to enrich the content that this particular branch of tourism has to offer. The intention of the authors in this paper is to, whit particular retrospective on conditions in Croatia and Serbia, answer to some developmental questions of tourism progress, depending on natural, economic and social facts, recognition of geographic aspects of terrain and determination by human factor in enhancing special interest tourism with all of its following content, through its work and activities. Key words: special interest tourism, comparative analysis, market, accommodation capacities, education. Introduction Based on key factors of success analysis, apparent is that both destinations have relatively good potential for developmental and international commercialization of tourism product. The fact is, that this product is based on preserved natural resources, to the larges extent, which both countries are abundant with, which enables them to define, develop and supply international market with attractive product palette of special tourism services. Natural and economic resources of special interest tourism in Istrian Regoin and Kolubara District Istrian Region by its geographic and natural landmarks has significant advantage, amongst others, in development of special interest tourism. This is justified by numerous data that evidence Istrian precedence in degree of quality supply, as well as the visit, when it comes to tourism in general. To comprehend completely essential vantages for tourism development of special interest places, parallel review of basic characteristics of each region is given, Istrian Region and Kolubara District, that also disposes with numerous natural attributes and potential possibilities. Additional assurance of special interest tourism prosperity on both locations, what can be seen from previous table is attractive relief that includes water areas, mountains, numerous gouges, caves and other. Segments of product Starting with a fact that special interest product is compounded of large number of market niches, the easiest way to segregate it is following: Mild or soft activities that include camping, hiking, bike riding, rafting, 44 driving, in-nature activities, horse riding, fishing, etc. Some of these activities, for example animal chase are being largely commercialized in Istria and Serbia, while some are being included in maps and catalogues of specialized operators, more in Istria then in Kolubara District. It is good to keep in mind that particular niches of special interest products, can represent an included part of product group Mountains and Lakes as additional activities while vacationing. Rich offer of activities represents a base for development of these products throughout the year, not only during high season. Rough or hard activities, that refer to canoeing or kayaking down river streams, exploring canyons, caves, mountain biking, cross country skiing, alpinism, free climbing, paragliding, jeep safari and similar. All of these activities, can in long-term, be presented as independent product on the market, particularly because their organization and popularization need more investment in promotion, standard formation and similar. Cultural resources activities, gastro interests, monastery tours, places of importance heritage tours, archeological journeys and similar. Market special interest products ought to be introduced to domestic market, as well as to foreign emissive markets of special interest like Germany, Great Britain, France, Netherlands, Italy etc. Competitive strategy of special interest tourism development in Serbia Taking into consideration complexity of the product, it is hard to determine unique developmental strategy. Each creative and professional destination, with its management on behalf, will determine its own competitive strategy. Regarding that Serbia is taking smaller steps in tourism supply and in its representation on foreign markets, in comparison to Istria, it must specially focus on these production segments which accompanied with reasonable prices and low costs make its biggest potential. On the other hand, Serbia must directly approach communication among its strategic benefits in special interest product, even more because of the fact that these products development and their international popularization do not require large financial investment. Although the special interest product is of mostly seasonal character, vast resource base provides Serbia with possibility of organizing activities in this domain, throughout the year. Aiming for faster popularization of special interest product, needed is to stimulate development of destination management companies, who have programs for preparation and development of different product segments. Special interest product are usually promoted by specialized brochures of foreign tour-operators, presentations on specialized fairs and especially by direct marketing and internet. To enhance international promotion of this product in Serbia, special internet platform should be established, connected to powerful international internet providers. Accommodation facilities are essential and characteristic features of tourism area, which implies that their space and quality in significant part determine range of tourism circulation; their types, forms and quality directly affect types and forms of tourism and therefore tourisms economy effects. In continental Istria possibilities of hotel, camp, private accommodation and family agricultural households prevail. In Kolubara District domestic country tourism is developed, which could contribute to tourism development of that particular part of Serbia in total, but its still being conducted slowly and poorly organized. Models of development Considering special interest product as mainly reposing on natural resources preservation, both in Istrian Region and Kolubara District, there is a big chance for this product to develop, define itself and offer itself to international market. Special interest product can in medium term develop on low cost strategy, with small investments and reasonable prices, considering wealth of resources. In medium and long term, Serbia must raise general competitiveness level in field of infrastructure development, particularly road accessibility, which open numerous opportunities for special interests products development, what characterizes majority of even vaguely developed tourist countries. Besides, both regions have traditional and cultural heritage and conditions that facilitates them to attract tourists interest, what enables tourists to, while on vacation, use their leisure time to get to know the people and surroundings, where they temporarily reside in (to see the museums, galleries, special collections and similar). Cultural manifestations also have strong ability to attract tourists, supplying with enrichment of contents, higher value to an area or a place and enable higher cost budget. Naturally, high emphasis is put on distinguished conditions for rural tourism development in agro-tourism oasis of Istria and Kolubara. Global market potential of special interest product significantly overcomes possibilities of Serbia and Istria to develop and popularize this product, exceptionally in short and medium term. Therefore, intensifying global communication of this product by mediation with present global internet portals is of great importance. Simultaneously, creation of sales orientated internet portal and other common steps of advanced popularization with preceding unification of special interest product leading organizations. Conclusion Development and popularization of special interests do not require high investment. Therefore, the emphasis is on management of activities that are much less favored in Istrian Region and Kolubara District. Following this context, developmental model of this product should be based on following activities: Location of coordination responsibility for development and popularization of special interest product, especially because of large number of small individual organizations activities (for example fishing and animal chase) lacking in joint effort for serious popularization, on behalf of the region or whole country. Identification and creation of unique data base of activity organizations and special interest supply. Creation of greatest worlds tour-operators data base in field of special interests. Support and financial stimulation for private personae when forming new companies for destination management. Additional regulation of activities description for these companies, that make the most important link in chain of product value. Drawing initiative for general preservation and sustainable development of mountains, rivers and lakes, together with successive formation of infrastructure favorable for special interests development. Program of incorporation of specialized and scientific workers and education of tourist guides for various cultural and scientific contents in field of this product. Formation of special quality systems in field of special interest products. Seminary organization by qualified companies in all tourism clusters. Organization of special tours for those engaged in this field. Support of specialized magazines and publication launching in this field. Educational program for specialized guides Consumer protection program and other competitiveness programs in general. References DFV, Nachhaltige Entwicklung: Tourismus und Umwelt, 2008 Hamovic, V. „Quality of service and consumer protection in tourism, Besjeda, Banja Luka,RS, 2004 Horner, S., Swarbrook, J. International cases in tourism management, Elsevier, London, England, 2004 htt://www.wttc.org/reports/wttc99ver1.3doc Kripendorf, J. „Traveling Mankind, Zavod za istraÃ…Â ¾ivanje trÃ…Â ¾iÃ… ¡ta, Zagreb, Croatia, 1986 Ph. Kotler, Keller K. Marketing management, Data status, Belgrade, Serbia, 2006; Weaver, D., Lawton, L. „Tourism mangement, Data status, Belgrade, Serbia, 2008; Strategija razvoja turizma Srbije do 2015.godine; MagaÃ… ¡, D., „Management in touris organization and destinations, Adamic, Rijeka, Croatia, 2003; MaruÃ… ¡ic, M., PrebeÃ…Â ¾ac, D. „Tourist market research, ADECO, Zagreb, Croatia, 2004; BuleÃ… ¡ic, E. „Rural tourism in Istria, University in Rijeka, Business department Pula, Croatia, 2004. Golja, S. „Opportunities for tourism development in rural area of Istrian Region University in Rijeka, Business department Pula, 2008. This article represents a part of the Project no. 149007 D research results Multifunctional Agriculture and Rural Development Aimed at EU Integration of Serbia, financed by the Serbian Ministry of Science and and project Competitiveness and Comparative sustainable rural development of Istra and Kolubara region, within the program of scientific-technical cooperation of R.Serbia and R.Croatia. Both projects are financed by the Ministry of Science and Technological Development of the Republic of Serbia.