1. Contoh Essay Demokrasi
Pancasila
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Contoh Essay Demokrasi PancasilaContoh Essay Demokrasi Pancasila
3. Chotacredit Case Study Essay
Background: For years since the rise of microfinance in the contemporary discourse of development,
Chotacredit, a nationwide Microfinance institution, has been playing a leading role in the XXX
region in providing accessible finance to low income households as a catalyst for employment
creation, poverty reduction, and genderequality. However, in recent practice, Chotacredit has found
that the current loan signing rule which requires co signature by spouse may potentially limit female
participation in the microloan program and program impact. A few valid assumptions have been
made: 1. As currently, a loan contract must be co signed by both husband and wife, and a significant
share of the husbands of our female clients are truck drivers, the... Show more content on
Helpwriting.net ...
Designing survey questionnaire. The survey will be conducted at individual level among current
and former (within past 3 months) female participants of the Chotacredit s microloan program. It
should include questions representing as much as variables of the study s interest, including but not
limited to, demographic variables (such as age, education), household conditions, income details,
assets and expenditure details, indebtedness, if have previous or current loan default, savings and
insurance details. Specifically: a. it should incorporate a number of questions representing the
outcome variables of our interest. Particularly, it should have a question on if the respondent is
still in the program (dummy variable, 1=in the program, 0=already quit the program); a question
on if the respondent has taken up loan in time as specified in the contract (dummy variable, 1= yes,
0=no); a few questions representing variables that measure the respondent s economic performance
utilizing the microloan, such as income, expenditure, consumption, if have arrears. b. it should also
incorporate questions representing variables that measure the husband s role in current loan
signing rule, which are impact variables , such as if the husband is a truck driver (dummy
variable), if the husband intervenes with the wife s financial activities (dummy variable), and
possibly more. In this study, our main interest is to explore the effect of impact variables on
outcome variables . Once
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4. Difference Between Punk And Pop Punk
American musician and singer songwriter of the Ramones, Jeffrey Ross Hyman, known to the
public as Joey Ramone, once said To me, punk is about being an individual and going against the
grain and standing up and saying This is who I am (BrainyQuote). Punk has been present in music
since the 1960s, where it was starting to form in the garages of starting out musicians that did not
have any regulations to follow, simply because of the fact they didn t know the rules of music.
Most of this early punk music was unadulterated and often political, showing the thoughts and
feelings of the writer (Cooper). Meanwhile, about a decade later in the 1970s, a new style of punk
was forming. Combining elements of punk and mainstream music styles established a new genre of
music, commonly known today as pop punk(B.). While pop punk music branched off of punk, they
both have their distinct features of what makes them unique. Although the two genres share the
same artists, there is a distinct difference between the styles. Songwriter, actor, and singer and
guitarist of Green Daytweeted in late December of 2015, my mission for 2016? to destroy the
phrase pop punk forever [sic] (Armstrong). Armstrong, like many other punk band members,
dislikes being referred to as pop punk . This phrase can be considered insulting to specific artists
that do not want to be known for upbeat and preppy music. They want to be strictly known for
more original music that does not fit certain criteria
... Get more on HelpWriting.net ...
5. Flag and Cross Burning as Free Speech Issues Essay
The first ten amendments to the Constitution better known as The Bill of Rights were developed
by the Founding Fathers in order to protect specific rights of the people of that time. The First
Amendment protected speech, religion and expression. The First Amendment was most probably
protecting scientific discourse, music, literature and the arts of elite white males. In 1791, there
was no protection implied or otherwise for women or black slaves. The cross burning of the Ku
Klux Klanor flag burning of American citizens was not a consideration of the Founding Fathers.
The First Amendment has evolved over many years into the protector it is for the citizens of the
United States.
Forty seven states in the United States have laws ... Show more content on Helpwriting.net ...
The notion of cross burning has been a form of terror used to intimidate blacks and other
minorities for over a century. Cross burning started in Scotland in the 14th Century used as a
signal to their armies. In the United States, it was used by the Ku Klux Klan to signal impending
violence against blacks in the late 1800 s to the present day. The Supreme Court has dealt with
the matter of cross burning two times. In 1992 in R. A. V. v. City of St. Paul, the court struck
down an ordinance that criminalized the display of certain symbols (burning crosses, swastikas,
etc.) for arousing anger on the basis of race, color, creed, religion or gender . Again, in 2003 the
court revisited this issue in Virginia v Black this decision was a bit more specific and was a 5 4
decision. The Supreme Court upheld the Virginia Court decision upholding the unconstitutionality
of the Virginia law but added that a state has a right to ban cross burning when there is the intent to
intimidate but stopped short of banning cross burning of all types . What the Supreme Court did
was set a road map for future laws banning cross burning.
Civil liberties concern private actions that are protected by rules about what the government cannot
do, a way to prevent excessive governmental intrusion into ones life. Civil rights primarily concern
citizens as civic and political actors. They concern equality and the things the government must
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6. Magna Carta Advantages
The rights of English citizens were strengthened from Magna Carta in 1215, by the Parliament in
1265, and in 1689 with the English Bill of Rights. In 1215, Magna Carta Came along where The
English people had won the right to participate in their government only after a long struggle, the
key victory to this struggle being the signing of Magna Carta, or Great Charter, by King John in
1215 which established the idea that the power of the monarch, or ruler, was limited. Not even the
king was above the law. (Ch. 4, Section 3). This evidence from the text states how the English
people won their right to participate in the government. In the text, it says The next major victory
was the founding of Parliament in 1265. The Parliament was
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7. Milebug Essay
GOOGLEDRIVE
Google Drive is a free cloud based secondary file storage space for your computer which is also
used to share files with others and to create and edit various office documents which can be
download from wherever you are.
Google Drive s significant features include: 15 GB of free cloud storage, larger cloud storage is
available for a fee, ability to save email attachments from Gmail, can store back up photos from
Google photos, ability to share files and documents with others, creating presentations and
spreadsheets while collaborating with other users, Google Form which allows users to run a
survey or to create simple forms online, Google Drawing app which creates flowcharts and can
layout diagrams, which can easily be added to ... Show more content on Helpwriting.net ...
Milebug s significant features include: option to track your full path using GPS and map display,
option to choose kilometers or miles, reports can be email to your computer at home, option to save
information for frequently visited destinations, option to export data for easy tax deduction, IRS
mileage rate for current year included in application, option to track other business related expenses
such as hotel.
Milebug could be useful in the workplace when using mileage data to complete your company
mileage reimbursement form. Milebug could also be used by an employee to gather data for other
business related expenses such as lodging for reimbursement.
Milebug is a free smartphone application which can be used as a GPS and to track both business
related and personal mileage with additional features available for a fee. Milebug would be
beneficial to me to track my personal and business related travel for my part time self employment
and to facilitate my tax deductions while preparing my
... Get more on HelpWriting.net ...
8. Making Better Decisions on Environmental Issues
Intro to GIS and environmental management
GIS (Geographic Information System) is a new geographical research technology since the 1960s,
which is a powerful software that allows a virtually unlimited amount of information to be linked to
a geographic location. The more and more extensive environmental causes, abundant data resources
from scientific researches, as well as the continuous improvement of the computer and GIS
technology, all call for wider and deeper application of GIS in the environment field, such as the
environmental management, environmental impact assessment, pollution monitoring, environmental
graphics, etc. In ArcGIS, one well known product of ESRI, various analytical tools are used to help
people make better decisions on environmental issues.
GIS is an interdisciplinary technology, integrated by computer science, geography, surveying,
cartography and stuff. Generally, GIS includes computer hardware and software systems and
processes that are used to solve complex planning and management problems, supports spatial data
collection, management, operation, analysis and simulation. Main functions of GIS include the
input, storage, processing and output of geographic data collected from map vectorization, remote
sensing data, GPS, etc. GIS s characteristics are: strong system of spatial data management; vivid
and intuitive user interface; powerful spatial analysis capability.
Environmental management refers to using economic, legal, technical, administrative,
... Get more on HelpWriting.net ...
9. Oral Tradition Paper
It was the intention of this paper to situate The Oral Tradition Workshop for Educators and other
intercultural programs in Esmeraldas into the greater context of intercultural educational programs
globally. First, it aimed to illustrate that intercultural education is often a response to long standing
historical, political, and economic marginalization of one group by the dominate culture. For Afro
Ecuadorians, as in the cases of Europe and Latin America, the focus on intercultural education
emerged as a response to historical marginalization after the amendment to the constitution in 1998
calling for expanded collective rights of indigenous groups and Afro Ecuadorian. At the heart of
intercultural education programs is the assumption that the school and its key actors (students,
educators, administrators) play a critical role in eradicating inequality and negotiating spaces
between cultures (Aikman, 1997). This belief is evident in all of the cases presented in the paper as
well as the intercultural education programs in... Show more content on Helpwriting.net ...
These policies have left Afro Ecuadorians disproportionally poorer and less educated than other
groups in Ecuador. Thus, policy leaders intended to improve these conditions through inclusive
education policies that recognize the significance of the contributions of Afro Ecuadorians in the
national discourse.
The TTOA workshop is an example of this initiative. The decision to use the TTOA workshop to
explore the development of intercultural programs in the region is due to the fact that, in many
ways, the program is a replica of other intercultural education initiatives in the region. First, Juan
Garcia, a pioneer of Afro Ecuadorian educational programs, created it. It also aimed to emphasize
the historically, political, and economic significance of Afro Ecuadorians in the larger context of
... Get more on HelpWriting.net ...
10. Whitney Houston Research Paper
Do you know what it s like to be loved and always loved? Whitney Houston sings about how she
will always love you. Whitney Houston s music represents R and B that has its fair share of love
songs. Love is the most important thing in order for relationships to survive. As shown in her
music, Whitney Houston, and others in her music genre, have had love experiences that help them
make music.
Whitney Houston was born August 9, 1963 in Newark, New Jersey. Whitney Houston lived in
New Jersey as a child. Whitney dropped her first album at the age of 22 on February 14, 1985,
she also dropped her second album on April 27, 1987. The album made Whitney became the first
female artist to debut atop the US billboard 200 album chart, a position she held
... Get more on HelpWriting.net ...
11. Argumentative Essay On The Benefits Of Physician Surgery
One large plausible influence on a physician s marginal revenue product is surgery. In our textbook
it lists four broad specialty categories detailing physicians lifetime earnings, which are, Primary care
($3,000,527), Surgery ($4,588,249), Internal Medicine and Pediatric Specialties (4,100,183), and
other (3,761,930), for forty one subspecialties.(Health Economics Textbook) Out of these four
categories, surgery makes the most revenue for the physicianfor multiple different factors. I
believe this is mainly because surgery is an expensive procedure to perform, but also a very
experienced and knowledged physician is needed to be able to perform the surgery. Depending on
what needs to be operated on a patient may seek care from specialized
... Get more on HelpWriting.net ...
12. Book Classification Final Exam
713 Final Exam
Part 1
Question 1. c
Question 2. d
Question 3. d
Part 2
The book, Ceremonial songs of the Creek and Yuchi Indians is unique because it fits comfortably
under classifications of history as well as music. For example, the provided Library of Congress
Classification number shows it categorized with folk music from the American Indians and the
Dewey Decimal Classification makes no reference to the musical aspect instead emphasizing the
ties to the Creek Indians. This is problematic because if someone is not aware of the full topic or
title and is seeking the book, they may disregard the music and be unable to locate the book in
their search. Retrieval requires solid metadata, especially in these instances where one subject or
classification is not enough to adequately describe the aboutness of the work. This is one
argument in favor of increasing the reach of the semantic web and Linked Data to alleviate some
of these problems. As seen in Part 1, achieving coextensivity is not easy when there can only be
one DDC or LCC call number, but multiple LCSH headings assigned.
Part 3 The assignments for this course were certainly eye opening for someone who intends to do
cataloging and classifying work in the future. I naively assumed going in that there would be some
ultimate form of classifying, but it seems the true winning combo is a combination of multiple,
whether that be LCC, LCSH, DCC, folksonomy, or other ontologies. This work is integral to
... Get more on HelpWriting.net ...
13. Nicaraguan Freedom Fighter Essay
The United States government has been caught doing nefarious acts against other countries for
years, from selling WMDs to Saddam Hussein or nuking Japan with the atom bomb. One of these
acts was the support of the Nicaraguan Freedom Fighters . The Freedom Fighters or the Contras,
were a group who rebelled against the Nicaraguan government, which was lead by a Communist
named Daniel Ortega, and were supported by the Reagan administration. Because of the debacle
with the Nicaraguan Freedom Fighters , the United Statesgovernment lost credibility with other
nations of the world.
The United States government was caught lying to the public. According to Doyle McManus, a
Los Angeles Times writer, Congress cut off U.S. aid to the Contras entirely from mid 1984 until
late 1985. During that period, the rebels ... Show more content on Helpwriting.net ...
The United States sold weapons of mass destruction to Iran through Israel to raise money for the
Contras in Nicaragua and to get prisoners out of Iran, also known as negotiating with terrorists
something the Reagan administration was heavily against. After the affair and trial, fourteen
people were charged with criminal charges. Four of them were felonies, seven of them pleaded to
charges of felonies and misdemeanor, one case was dismissed for a lack of evidence, and two
were granted pardons by President H. W. Bush. While there were many negatives from the United
States getting involved in the Nicaraguan Revolution, one of the most profound negatives was the
tarnishment of the United States government s image. Another result in more recent times was in
2007 when Daniel Ortega, the Communist leader from the 80s, was re elected to be the leader of
Nicaragua. The only positive that came out of this act for the United States is that is helped with
the downfall of the threat of
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14. Policy Failures Essay
Policy failures Immediate reaction to the Great Recession could have assumed that it was an
intelligence failure perpetrated by the failure to understand and anticipate the risk in the economy.
Or perhaps there was too much noise to be able to pick out clear indicators of the pending
economic turmoil. However, to do so dismisses the culture of deregulation that existed throughout
the 1990s and early 2000s. It also dismisses the political nature of financial policymaking. Thus, at
its core, the Great Recession occurred as a result domestic and foreign policy.
In the early 2000s, the Federal Reserve lowered interest rates to combat deflation following the
burst of the dot com bubble. By 2003, the Fed dropped the rate to 1%, traditionally ... Show more
content on Helpwriting.net ...
Some financial institutions got bailed out. Some merged with others. Others were nationalized by
the USG. But the USG chose not to bail out Lehman Brothers in September, instead allowing the
bank to fail. That would become perhaps the biggest failed decision of the entire crisis, because it
injected a lack of confidence into the markets. It caused a run on repos, similar to the bank runs
traditionally seen in prior financial crises (Gorton and Metrick 279). However, the bank run came
in the form of large banks concerned with the failure of other large banks, which had not
traditionally occurred. Accordingly, the stock market crashed as the last remaining shreds of
confidence exited the markets and a herd mentality ensued globally.
From foreign policy makers perspective, the most significant failure was to not understand the
tight coupling between the US and the rest of the developed world. Figure 4 demonstrates the
prevalence of financial crises across the world and the number of countries involved. A cursory
glance demonstrates the drastic increases following 1970. Evidence existed that coupling in global
finance was increasing systemic risk. However, policy makers globally failed to heed the evidence
and make meaningful action towards protecting against systemic risk. Thus, policy makers failed to
make any meaningful developments in increasing shock absorption capabilities.
Application to the literature Policy making in the financial sector is complex and
... Get more on HelpWriting.net ...
15. Frank Lloyd Wright s Fallingwater And Wim Delvoye
Visual art and construction can be integrated within one another through different mediums. Frank
Lloyd Wright shows this in the building, Fallingwater, while Wim Delvoye presents it in his piece,
Caterpillar 5bis. These two men have very unique and different styles but in the end they both relate
to art and construction. Whether it be art in construction or construction in art there is no doubt that
the two have crossed paths. Frank Lloyd Wrightis an architect who lets art influence his
construction. In some of his pieces Wright lets the artistic beauty of surroundings and nature
influence and be a part of his buildings. Wright addressed the issue of boundaries in architecture, he
had unique ideas and concepts and brought them to life.... Show more content on Helpwriting.net ...
Many of his pieces involve a backhoe, dump truck, or other construction vehicle that are 3
dimensionally built in a gothic architectural style out of sheet metal. His art solves the issue of
relating two items that are generally unrelated, construction equipment and gothic style
architecture. His art is not just exclusive to the commercial art world but is available for the
public to see in certain parks. His art influences most certainly influences the world around it. As
people walk by these magnificent pieces they begin asking questions becoming curious and more
creative. His art is not really for education but more of for creativity, inventiveness, and shock
... Get more on HelpWriting.net ...
16. Infant Observations
The reading Some Remarks on Infant Observation, A. Freud , was very interesting as it was based
on the observation of newborns/infants and mother and infant relationship by students who are
training to be physicians and psychotherapist. The field of human development from a new born
baby throughout childhooddevelopment is focused on changing the way we think about children s
mind. The core of Ana Freud s theory is to gain solid understanding of what is normal in the
newborn infantperiod. Through observations the students were able to understand the mental life of
the baby and the exchanges of thoughts and feelings between infants and their mother.
I never worked with newborn/infants however, has a mother I can relate with the theory. As
... Get more on HelpWriting.net ...
17. What Type of Ipo Should Avaya Use
Course Number: FIN501
Module 1 Case Assignment
Introduction
Upon deciding to go public, a company looks into preparing an initial public offering (IPO).
There are two IPOs with which a company can utilize: a traditional IPO or the relatively new
Auction based IPO that was made popular by Google. Avaya is currently planning for IPO. Avaya
is a global leader in business communications systems. The company provides unified
communications, contact centers, data solutions and related services directly and through its
channel partners to leading businesses and organizations around the world (Avaya.com, 2011).
Avaya s current plan of an IPO valued at approximately $1 billion (Klassen, 2011) needs to consider
whether to go with a ... Show more content on Helpwriting.net ...
Once this process has finished, the investment bank is paid a percentage of the sale as commission
as well as fees for the underwriting process. Due to the discount of the IPO from the estimate of
the market value, traditional IPOs normally trade much higher than the initial price (Clinton,
2011). Being a long used and well known process, traditional IPOs allow for more choices of
underwriters. Using an investment bank with experience in traditional IPOs allows for the road
show to give the high profile investors a greater idea of the value of the company, and since the
allocation of shares is done during this process they can avoid over valuing the company.
Nayantara Hensel writes that underwriters who do less than three IPOs a year will average a
first day price increase of 10%. On the other hand Hensel also tells us that the average first day
price increase for all traditional IPOs is 38%, meaning a loss in the potential capitol for the
company. The investment bank underwriting for a traditional IPO normally gets a 7% underwriting
fee of the amount earned or more, bringing the potential money lost to 45 50%.
Auction Based IPO An auction based IPO uses the Internet to open a company s IPO stock for
purchase to more potential investors. This process allows a company to spend less on their
underwrite fees. The company
... Get more on HelpWriting.net ...
18. Comparing Bradstreet s Poems To My Dear And Loving Husband
Anne Bradstreet Reading Questions
Choose two of the following five questions and write a well developed essay response to each.
Look for ways to compare the poems that you choose to write about, and offer transitions that
indicate your comparison of the works. Use MLA format to document quotes from the text.
2. How do you see Bradstreet s Puritan beliefs regarding love illustrated in To My Dear and
Loving Husband? Consider the Puritan attitude towards earthly rewards versus heavenly rewards.
What is her ultimate reward for loving her husband as she describes in the poem? Compare her
attitude towards love in this poem with one other poem we have read this week. Consider the
different types of love and ways of expressing it.
Bradstreet s poem, To My Dear and Loving Husband demonstrates a strong confirmation to the
value placed on love and marriage, If ever two were one, then surely we (226). For a Puritan
woman, loving her husband and children and caring for their needs would have been her main
concern. She considers the ... Show more content on Helpwriting.net ...
In the first line of the poem she refers to the published collection of her work as an ill formed
offspring of my feeble brain (225). It is hard to discern if she was ashamed of her work or was
simply making excuses in advance in case her work was highly criticized. Either way she refers
to her work as her child in that she refers to herself as the mother . Her child has been snatched
from her hands and publically displayed, Till snatched from thence by friends...exposed to public
view, thereby exposing her and her innermost thoughts for all to read (225). She is very critical of
her work and refers to it as unfit for light (225). Furthermore, her words convey that the more she
looks at it, the more flaws she discovers, using the words blemish, spot, and homespun
... Get more on HelpWriting.net ...
19. Disability Essay
In today s society men have an attraction towards skinny women. The most gorgeous super
models are thin and when other girls look at them, they get jealous. Many girls see this, and
view themselves as being overweight and have a complex and a desire, which is to be skinny,
this disease is called Anorexia. Anorexia is a disease, which affects mostly women and sometimes
men. Anorexia is when you think you are fat, and you deprive yourself of food in order to be skinny
. They see themselves as being fat and want to strive to be better than the quot;norm quot;, and by
that, being as skinny as possible. The glamorous women are skinny and we see this everywhere in
movies, fashion shows, television, magazines etc...
Lennard Davis describes ... Show more content on Helpwriting.net ...
This, as we have seen, is in contrast to societies with the concept of an ideal, in which all people
have a non ideal status quot; (Davis, p29)
Davis is saying that there are many people who are considered normal and want to be better than
that. Anorexia deals with this because girls feel they have to be skinny in order to be beautiful.
Beautiful as in being prettier than quot;average quot; women are. They want to be the ideal but
then they stray away from it as they get into the extremes cases of anorexic they go toward the non
ideal situation.
Ideology plays a big part in this because with anorexia the girls strive to be skinny, and this is
their quot;ideal quot; situation. With anorexia they get to their ideal stage and still have a
complex of thinking they are fat. They go far beyond they ideal stage and then the disease takes
them far beyond their desired state and get into an acute situation. In my sister s situation it
became so severe that she had to put in a hospital and had to be fed intravenously. She weighed 97
pounds and was 5 10 quot; at her worst.
Anorexia is also caused by a stigma. We ask why does a person become Anorexic? One way a
person may become anorexic is by them being alienated, or mentally abused due to their obesity.
Having a stigma hurts a lot and sometimes people must take extreme measures in order to fight the
stigma and get on with their normal life. As
... Get more on HelpWriting.net ...
20. Bleachers Character Analysis
Pulling Through Benjamin Franklin once said, Players must remember that the best victory
was not over the opponent but over oneself. In Bleachers, Reverend Collis Suggs plays a minor
role by not appearing in the novel until the last few pages while presenting his eulogy. In this
eulogy, Collis Suggs offers many situations that help him find victory in himself. He shows how
he personally overcame segregation from his youth along with how Rake helps him to become
a better person and how he helps others resolve their problems. As a high school boy, Collis
Suggs lives through a period of time in Messina as the town is beginning to become integrated.
He and other classmates are unenrolled at their old school to go to an all white school. As he
says, We were intimidated, but we knew we had to be brave (Grisham, 212). Through this time,
Collis has to deal with this intimidation along with Rake s rough football practices, yet he
manages to be brave and strong each day. At the end of a football game, it is not if he and his team
win or lose that matters. It is if he goes home feeling confident about being who he is where he is.
Collis is able to prevail over the speculation of racial conflict, and he, as a person, is able to relax....
Show more content on Helpwriting.net ...
Rake shows him that he is a part of a team no matter what color he is. He teaches him that if you
re not going to give it your best then there is no sense being on the field (215). Rake impacts
Collis with his perspective of how no person as the right to mistreat another. Rake s sensitivity to
the suffering of others seems to touch Collis. This helps him to become a better person and have
a victory over himself in a way. Rake shows Collis that he has to fix himself before he tries to aid
others fix
... Get more on HelpWriting.net ...
21. A Strategy Behind The Oil Price
Oil companies have struggled since the oil price rout started in 2014. Cost cutting has been the
norm for most companies and for many cost cuts included dividends. Some companies have refused
to put dividends on the chopping block and in the face of plunging valuations have maintained or
even increased dividends.
It may seem counter intuitive but there is a strategy behind the decision to maintain dividends
despite falling oil prices. The oil price collapse has hammered many companies stock values, and
when stock values plunge companies need to do what they can to attract investors. Dividends are a
method to attract new investors, and keep the current ones happy. Even as stock values fall, a
monthly, quarterly, or annual bonus appeals to many investors. Not all companies have the luxury
of pursuing this strategy.
Evaluating Dividends
Dividends are a per share payment, distributed to shareholders on a monthly, quarterly, or annual
basis. The per share payment is easy for investors to understand when it comes to getting their
dividend checks, but it is hard to analyze the total return for the amount of money invested in the
company s stock by looking at per share dividend payment alone. To properly evaluate dividends,
look to the [dividend yield].
A dividend yield is the amount of dividends a company pays relative to its stock price. It is
calculated by dividing dividends paid per share by stock price. For an investor, this gives an idea of
how much dividend payment
... Get more on HelpWriting.net ...
22. Grant s Strategy For Union Victory Over Frederick The...
without concert, like a balky team, no two ever pulling together. Further, Grant wrote, that Union
forces had seventeen distinct commanders. Before this time these various armies had acted
separately and independently of each other, giving the enemy an opportunity often of depleting
one command, not pressed, to reinforce another more actively engaged. I determined to stop
this. Grant then immediately provided for a coordinated simultaneous advance of all forces with
the main armies strengthened as much as possible by reducing subsidiary forces previously
cordoned for defensive purposes. While he may not have been intentionally channeling Jominian
ideas, Grant s strategy for Union victory has been compared by historians with the Jominian
prescription for victory over Frederick the Great. Since the Confederates were vigorous in
applying the principle of concentration on successive lines of operations in order to defeat Union
forces, Grant s strategy had to be directed to preventing these Confederate concentrations. Grant s
strategy was founded on nullifying the South s principal means of defense, the Jominian shifting
of forces successively from one line of operations to another. Grant, in fact, was applying Jomini s
prescription for victory by Daun over Frederick coordination, and an invasion into the heart of his
states. Grant s plans concentrated on two lines of operations, Virginia and Georgia, and looked for
success on only one of them. To prevent Lee
... Get more on HelpWriting.net ...
24. Ancient Documents
Chapter 13
AFTER TAX COST OF CALLING BOND ISSUE
|Total call premium per bond |x x x |
|Less: (1 Tax rate) per bond |(xx) |
|After tax cost of calling bond issue |xxx |
A13 2.After tax cost of calling bond issue = Total call premium ( (1 Tax rate)
| |Call Premium |Total Call |After Tax Cost |
|Bond |per Bond |Premium |of Calling Issue |
|A |$50 |$ 600,000 |$ 360,000 |
|B |30 |600,000 ... Show more content on Helpwriting.net ...
Find the net present value of refunding decision.
A13 5.Steps in bond refunding decision: (1) Calculate the initial investment required to call the old
bond issue and float the new one; (2) Find the annual cash flow savings from the new versus old
bond issue; and, (3) Find the net present value of refunding decision. Answers to parts (a) (f) of this
problem will be determined with this procedure.
(1) Finding the Initial Investment for the Bond Refunding Decision
(a)Call premium before tax [($1,090 $1,000) ( 50,000 bonds]$4,500,000 Less: Taxes (0.40 (
$4,200,000)(1,800,000) After tax cost of call premium$2,700,000
(b)Floatation cost of new bond(500,000)
(c)Overlapping interest on old bond (none)0 (d)Tax savings from unamortized discount on old bond
(The old bonds were issued at par, so no unamortized discount)0
(e)Tax savings from unamortized floatation of old bond (15 Г· 20 ( $350,000 ( 0.40)(105,000)
Initial investment$2,095,000
(2) Finding the Annual Cash Flow Savings for the Bond Refunding Decision
Old bond
(a)Interest cost Before tax (0.09 ( $50,000,000)$4,500,000 Less: Taxes (0.40 (
$4,500,000)(1,800,000) After tax interest cost$2,700,000
25. (b)Tax savings from amortization of discount
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26. The Importance Of Privacy Laws In The United States
The United States privacy laws deal with some legal issues, among which is the invasion of
privacy. In the line of this discussion, an affected party is allowed to file a suit against a person
who invades his or her personal space unlawfully against their own will. This law usually
disregards activities that may be of public interest such as celebrity lives or participation in events
that may make news headlines. Violation an individual s right to privacy can be the cause of a
lawsuit against the violator. The Fourth Amendment protects citizens from unwarranted search or
seizure. This, in turn, brings up the question, Do policeinvade one s privacy in their daily activities
to uphold the law?
The answer is yes, especially regarding the cases
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27. Anabolic Strokes
According to the World Health Organization (WHO), the term referred to as a stroke is defined
as a cerebrovascular accident. This occurs when the blood vessel has a disturbance in its normal
flow of blood, usually caused by a clot or rupture in the blood vessel. Following this sudden
blockage in the arteries, the brain first starts to lose the exchange of oxygen, nutrients, and vital
components which keep it performing optimally, thus leading to death of brain cells (World Health
Organization, 2014). Strokes differ in cause and severity. An ischemic strokeis caused by an artery
that is totally blocked meaning the brains bloodsupply is completely cut off. A hemorrhagic stroke
is caused by a leaking or ruptured vessel to the brain meaning... Show more content on
Helpwriting.net ...
If a patient displayed dizziness, difficulty understanding or responding to voice commands,
blurry vision, sudden headaches, or droopiness on one side of their face, one is to presume that
the patient could be in the beginning stages of having a cerebrovascular accident
(Cerebrovascular Accident, 2013). The length and severity of the signs vary from patient to
patient but symptoms may appear quickly and unexpected, which is why a health care
professional must be trained to act quickly and effectively when an individual exhibits these
symptoms. A quick method of assessing whether a patient to suffering from a stroke is to use
the FAST method. F: face drooping ; ask the patient to smile and see if it is uneven or if one side
is drooping. A: arm weakness ; is one arm weaker than the other? S: speech difficulty ; ask the
patient to speak at the best of their abilities and determine whether speech is slurred. T: time to
call 9 1 1 ; at this point in the assessment, a higher level health care provider should be involved
(Impact of Stroke,
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28. Personal Vehicle Observation Report
On June 25, 2015, my personal vehicle was damaged while I attended Trivia Night at R Macs
Tavern between the hours of 2100 and 0000 that evening. The tavern is located at 110 White
Horse Pike in Oaklyn, NJ and my vehicle was parked legally and unattended in the parking lot
when the incident occurred. The damage to my vehicle s driver s side front fender (crushed) and
side mirror (broken) was noticed the next morning in the daylight before reporting to day patrol.
During the morning hours, I recalled that I parked under one of the business outside security
cameras. I placed a call to the tavern and spoke to Jack Fister, the morning maintenance person.
Jack informed me that the security system is very antiquated and would work sporadically,
however he would check. A short time later, Jack called and related that he observed three males in
their early twenties horse playing next to my truck. While... Show more content on Helpwriting.net
...
I chose Elmer s based upon previous vehicle repair and that the facility is extremely close to my
residence. The estimate was written by Don C. for $1533.73 as attached. At 0900 hours, I met
with Byron in front of his residence with my vehicle and gave him a copy of the estimate. I
informed Byron the repairs were going to take 5 7 days and that I was not seeking a rental car.
Bryon briefly looked over the estimate, agreed to the cost and related that he needed a week to
gather his portion ($500.00) of the total cost. I also informed Byron that once all the funds were
collected between his friends, to take the funds to Elmer s. Approximately one hour later, I
received a call from Don, the co owner of Elmer s. Don related that Linda Sheehan (co owner)
received a call from Byron. During this call, Byron used foul language and screamed at Linda,
questioning the cost of the repairs. Don then took over the called and received the same treatment. I
did not call Byron and this
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29. Paul Revere Research Papers
Paul Revere was conceived January 1, 1735, in Boston, Massachusetts. He was the child of
Apollos Rivoire, a French worker who had come to America at 13 years old, and the little girl of
Deborah Hichborn a craftsman family. Apollos, who changed his name to the more English
sounding Paul not long after in the wake of landing in America, was a craftsman himself. After a
long apprenticeship with a goldsmith, the senior Revere set up his very own shop in the
occasionally harsh North End area of Boston. When he was mature enough, his child Paul most
seasoned of seven youngsters, apprenticed with him. From every angle, the youthful Paul Revere
was a genuine and submitted craftsman. When he was 19, disaster struck when Revere s dad
passed on,
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30. Essay on Dealing with Loss in Killing the Bear
Dealing with Loss in Killing the Bear
Often things that we experience as children have lasting affects on us that creep up when we least
expect them. In Judith Minty s story Killing the Bear , a woman finds herself in just such a
situation. She finally deals with something that happened to her as a young child that she probably
never even realized was bothering her. In this story the central character painfully comes to grips
with a major loss of security from her childhood.
Throughout Killing the Bear the author flips back and forth from the story at hand and seemingly
only loosely related anecdotes about the main character and bears. One of the first of these side
stories is about the ... Show more content on Helpwriting.net ...
The bear represented safety and comfort to her and its loss suddenly plunges her into a world of
fear, isolation, and anger. She feels as though she has been abandoned by the bear, even if she
realizes that it did not choose to abandon her. The picture of the woman that we are shown by the
author, is one of an adult who still hasn t come to terms with these feelings of loss.
The woman in this story is in the woods and alone. The woods illustrate her fears and insecurities.
She is very isolated. Even her faithful dog has died and left her, which is another past experience
that shows her abandonment. She is shown to be very afraid of the bear in the woods. She still has
not come to terms with her own fears and the loss of her safety and comfort. The bear represents
many things to her, some bad and some good. She is aware that the bear seems dangerous and
can hurt her, but she seems unaware of how she pictures the bear. In her mind, bears are
supposed to be protection, like her teddy bear was. She relates the real bear in the woods and the
danger that he poses to her with her lost teddy bear and the feeling of isolation that his loss gave
her. The images given by the author of bears are very contradictory. Some of the images are ones
of almost human creatures that are far from harming people, but others are pictures of vicious,
cold blooded killers. In the woman s mind, these concepts of bears are all jumbled up. She doesn t
know exactly what she thinks of
... Get more on HelpWriting.net ...
31. Case Study Of Genting Malaysia Berhad
Genting Malaysia Berhad ( Genting Malaysia http://www.gentingmalaysia.com/profile.htm) is the
leading provider of leisure and entertainment services in Malaysia. Genting Malaysia is one of the
subsidiaries of Genting Berhad, the investment holding and management company of Genting
Group founded by the late Tan Sri (Dr.) Lim Goh Tong
in 1965. Starting up as a private company
limited by shares in 1980, Genting Malaysia acquired Genting Berhad s entire gaming, hoteland
resort related operations and was listed on Bursa Malaysia s Main Market in 1989. The company
aims to be the leading integrated resort operator in the world by providing the most delightful and
memorable experiences to their customers and generating sustainable growth and profits... Show
more content on Helpwriting.net ...
This programme has a membership base of over 3.4 million members across Malaysia, with over 50
participating merchants and 1k merchants outlets. Resort World Genting has implemented
numerous acquisition campaigns which emphasize on current trends and events to attract the
younger market. This strategy has received an overwhelming response and expanded the
membership base with more than 200k new recruitments.
Besides promotion for hotel rooms such as the Genting Rewards Room Fair which allows GRC
members to get a hotel room with as low as 1 Genting Point (GP), Resort World Genting also offers
some of the best entertainment throughout the year by inviting regional and international world
class entertainers. For example, the resort had invited Peter Marvey, a multi award winning
illusionist from Switzerland, who showcased his signature Dream Flying illusion at Genting
International Showroom ( GIS ) as one of the resident shows for the year. The resort also brought to
life the famous fictional lane Sesame Street through a Broadway style musical production the
Sesame Street Live where young children and families sung along with the iconic characters Elmo
Makes
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32. Ap World History
1) According to Jared Diamond, the factor that allowed Europeans to develop the forces necessary
to conquer vast portions of the world was the geography of the land Europeans lived on.
2) The Europeans who settled in the South African cape were very successful. One reason this
happened was because the African cape and Europe sit at a similar distance from the equator. This
means the climate of the two areas were similar, allowing for crops and domesticated animals from
Europe to survive in the South African cape. Another reason the Europeans were successful was
because of germs. The Africans did not have the same immunity as the Europeans to diseases that
originated from European domesticated animals. Because of this African population were
demolished and the Europeans were able to ... Show more content on Helpwriting.net ...
These germs caused diseases that killed many Europeans and their imported animals. Thousands of
Europeans died because of tropical infections and diseases, such as malaria.
5) Native Americans protected themselves from the germs that cause diseases such as smallpox
and malaria by developing ways of vaccinations against certain diseases. They also lived in dry
locations to avoid mosquitos, which spread the deadly disease, malaria.
6) The colonization of Africa created countries riddled with disease. Because areas were
colonized, villages and crowded communities were established, eliminating the spread out, mostly
disease free, settlements. In Zambia especially, densely populated areas act as a breeding ground
for deadly diseases, like malaria.
7) The number one public health problem in Zambia is the disease known as malaria. Malaria
mainly affects children under five years of age.
8) Disease has contributed to the poverty in many African countries, such as Zambia. This has
occurred because the welfare of the people is low, therefore productivity is low, resulting in a poor
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33. True Grit By Mattie Ross
1. Rooster Cogburn is also a man with true grit. Throughout this book True grit, Mattie Ross was
told that Rooster was one the goodies marshals for the job to go after Tom Chaney. He was
known as the meanest and show no merciless in his job and fear is not something in his thinking.
He well loves shot if he has to that something that he loves to do. He brings his men s alive and
also believes that even the worst should have a say in court.(pg. 25) That is the self esteem he
has to motivated him to achieve his duty in getting keeping bad guys away. Rooster was a man
that believe that seeking justices, which is doing the right thing was always Rooster motive. Also,
Rooster has this attention or regard well doing his job is also make Rooster a stronger... Show more
content on Helpwriting.net ...
2. Mattie was a young girl with grit throughout the book, True Grit. She had grit in when she
wanted to find Tom Chaney and bring him back to Froth Smith to get justice for her father. She
did not think fear nor she did have any attention in not going with to make sure Tom Chaney is
brought back or killed. She also wants to Tom Chaney, the man who shot and kill her father. She
is going do what she can to get him and this is something that she sure will get done. She had
also had found a man for the job which was Rooster Cogburn, who she was told her true grit. She
wants him to help her find Tom Chaney. When Rooster asks Mattie about the gun she had, she told
him that belong to her father and Mattie also let Rooster Cogburn know that she intend to kill Tom
Chaney with this gun if the law fails.(pg60) Mattie shows that she have strong intention in getting
justice and paying a price is something that she was willing to pay to make sure what happened to
Tom Chaney is done the way she wants it done. Mattie is also fearless. Mattie also makes sure she
let everyone know her attention
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34. Questions On Using The Surface Concentration Of Water
The Scientific Method in Action
Using The Surface Tension of Water
Izzy Sunby Pd. 6
Question: What is the question your class will be testing?
How many drops of room temperature water can we put on a penny?
Hypothesis: It is a prediction of what you believe will happen in an experiment. Based on the
variable that you are testing, write down a simple hypothesis of what you expect to see during your
experiment.
Example: If we lower the temperature of the penny, it will have more drops.
If we test the tail side of the penny, with room temperature water, then we will be able to fit over
20 drops of water on the penny.
Now you are ready to conduct your experiment. Remember in a good experiment we want only one
variable ... Show more content on Helpwriting.net ...
An eyedropper
3. A flat, stable surface
4. A cup/ beaker to hold water
5. Room Temperature Water
6. Paper towel
7. Chromebook
Write your procedure below so that you know what to do for your experiment: Use as many steps
as you need. You do not need to use all 25 lines.
1.Gather the materials that are listed above.
2. Mark a place on your flat, stable surface to designate where you will always be putting your
penny.
35. 3. Place your penny tail side up on your designated spot on your flat surface.
4. Dip your eye dropper into your beaker of water and pinch the top, then release it to collect water
in your dropper.
5. Hold the eyedropper perpendicular to the flat surface (at a 90 degree angle), about 1 cm over the
penny.
6. One by one, pinch the top of the eyedropper to let a drop of water out of the bottom and onto the
penny. Count how many drops you can fit onto the penny until it spills over onto your flat surface.
7. Using paper towel, dry up any water that might have spilt on the table.
8. Using your chromebook, record the number of drops you fit onto the penny on your data table in
the observation section of this document.
9. Repeat tasks three through eight for as many trials as time
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36. Age Of Discovery Research Paper
The discovery of the New World was a wonder to the existing world during the 15th century. As
the Age of Discovery drew curious minds toward the high seas, people wanted to find a
northwest passage to the Indies and other parts of Asia for easier access to their silks and spices.
Little did they know that this new foreign land was soon about to become one of the most
tremendous and controversial discoveries of all, and how worlds will soon collide. As Europewas
going through a rebirth, this transformation was known as the Renaissance. It was a period of time
where intellectual and philosophical interest sparked new innovative ideas. It was also the
beginning of the motivations for exploration. Studier ships and new technology, such as the
... Get more on HelpWriting.net ...
37. Stage Dance Research Paper
Stage Fright
Alright, now we will be moving on to our Teen Elite division! Next up, we have entry number one
hundred and thirty six, Billie Jean!
Run through your choreography one last time. Make mom proud. Even more importantly, make
Miss Maria proud. You can t mess up, there are so many people watching. These are all things
racing through my mind as I make my way to being only inches away from one of the most
terrifying moments of my life: Performing my first ever solo on a stage in front of three judges
and hundreds of people. Don t forget to hold eight counts first. I cannot believe I m actually about
to do this. Don t stress yourself out. You ll do fine.
The music starts. I hold my first eight counts. Moonwalk backwards for four. Slap heel step heel
step heel toe hop, and repeat. Move on to the next set of choreography. I start out strong, my
chest lifted and my smile bright and beaming like the sun. I continue to perform the choreography,
only making a few minor mistakes along the way. Coming up is the most difficult task of all:
getting up onto my light up platform while tapping. I approach the box from behind, step up onto
it, and BAM!, It lights up right on cue. The crowd does not expect this, and neither do the judges.
The audience goes nuts, and the judges throw up their hands as if they were on a roller ... Show
more content on Helpwriting.net ...
I learned many things about competing, and because I did those solo performances, I m a better
dancer in small group and large group ensemble performances. Receiving critiques on tape from
the judges helped me to feel more comfortable on stage during my following competitions, when I
wasn t very comfortable at all at this one. The judges give lots of encouragement in the critiques,
and getting hardly any actual critiques is very reassuring. Competitions are now less intimidating,
and It s a lot easier for me to just go out and dance and not having to
... Get more on HelpWriting.net ...
38. Why Is Job Shadowing Important In High School
Why high school does not prepare one for life?
In high school teachers do not prepare you for the things that the real world has. Life lessons
should be taught in high school, young people get out into the real not knowing life lesson
skills. However, most students are not prepared when they get out in the real world. Job shadowing
your career pathway is a good way that you could be prepared for the real world. Job shadowing
your career pathways gives you knowledge about the career field that you re going to be in.
However, job shadowing your career field in high school should be mandatory, so you know what
you are going to expect when you get out in the real world. Job shadowing is a life lesson skill
that you will need when you get out in ... Show more content on Helpwriting.net ...
Applying for jobs are important, it ties in with job shadowing. Most people are not taught how to
apply for jobs, because they usually learn in on their own. Teaching you in schoolhow to fill out
applications for a job should be more likely a bigger deal than what it is. Filling out applications
prepares you for a job, which a job is something you need to survive in the real world, however
there are aspects that come with applying for jobs. Applying for a job should be a class or a
taught lesson while you re in high school. For instance, what you should wear? How to approach
the people that are interviewing you? How to dress? These are important aspects that are not
taught before people enter the real world. However, some people come to interviews dressed any
kind of way and saying what sup instead of greeting them in the proper way, if this was
mandatory to learn in high school he or she would have been more likely prepared and knew
what would come up at the interview and would know how to approach the situation in a
mannerly way. Applying for a job and filling out applications are important life lessons that should
be taught before you get out in the real world and will help you be successful in
... Get more on HelpWriting.net ...
39. Borrys Monologue
playing cricket outside. I pitched the ball to Borys, with a loud crack the ball went soaring.
Roman was a much better pitcher than I, but still I was not bad. Borys was the best hitter of us
all, and he made it known. He always made a point to make actions when he was up like the
people The once so clear and blue sky was filled with ashes and smoke. The bright shining sun
was covered by a sheet of grey. The warmth that radiated from the sun moments ago came so
much more from the blazing fire now. As the buildings were devoured by flames the cloud of
smoke grew ever more. The grey shadowed the city and swallowed the light.
This is all I could think about as I lay in this hospital bed. I tug at my spotted blue gown as the
doctor explains ... Show more content on Helpwriting.net ...
The boys talked about cricket and friends, which wasn t unusual. My mom said something about
being grateful for her amazing kids. Probably for us more than her. A lot of the time she would
say little things around us but I d hear her talking to him more later. That night when my mother
thought I had already gone to sleep I heard her up, talking to him. This was pretty normal but
that night my mother sounded more frantic than usual. She was babbling about some drill at the
power plant the next day. My mother worked at the big power plant in our city. Now I suppose
that big power plant is all anyone even remembers about where I lived. Before the accident
though, our town thrived. People were constantly walking on the streets, visiting the beach and
my favorite, riding the ferris wheel. We lived in the city of Chernobyl. My mother went on about
how one of the reactors in the plant didn t seem right to her. She was worried about the test
tomorrow. She said she had tried to express her worries to some of her colleagues but they
wouldn t listen. No matter how smart or how talented or how right my mother was, she was still a
woman. In fact she was one of the only women that worked at that power
... Get more on HelpWriting.net ...
40. Social Concentration Theory Analysis
The social penetration theory asserts that as a relationship develops it can develop a person s
communication from superficial to deeply personal topics, and it can slowly penetrate the
communicators public persona to reach their core personality or sense of self. A person can
allow others to penetrate their public self when they disclose personal information. The decision
to disclose is based on the perceived rewards the person will gain if he or she will disclose. Altman
and Dalmas used ideas from the social exchangetheory to develop the idea of regulating closeness
with rewards and cost. The rewards must out weight the cost in any relationship. Altman and
Dalmas compare people to onions due to the deception of the multilayered structure of
personality. The outer layer is the public layer, and we peel back the layers to the deeper, more
vulnerable, and private thoughts, beliefs, and values. In order for these layers to be penetrated, one
has to go through self disclosure. Self disclosure is voluntary sharing that leads to reciprocity;
reciprocity is the openness in one person that leads to openness in others. Also, within self
disclosure is depth and breadth, the... Show more content on Helpwriting.net ...
However, there are major differences between their basic assumptions. Symbolic interactionism is
more of a sociological perspective on self and society; the central theme of the theory is that human
life is lived in the symbolic domain, but most importantly, we live through the notion of the looking
glass self. In contrast, the social penetration theory focuses on how a relationship begins between
two people; as the relationship develops the interpersonal communication moves from being
shallow to a more intimate level. The symbolic interactionism theory and social penetration theory
have major differences within their basic assumptions and
... Get more on HelpWriting.net ...
41. Marketing Mix in the Technology Industry
Marketing Mix in Technology Industry
Celina Kopp
BSc (Hons) Business Management
Contents
TOC o 1 3 h z u HYPERLINK l _Toc323986502 Executive Summary PAGEREF _Toc323986502 h
3
HYPERLINK l _Toc323986503 Chapter 1 Introduction PAGEREF _Toc323986503 h 4
HYPERLINK l _Toc323986504 1.1 Background PAGEREF _Toc323986504 h 4
HYPERLINK l _Toc323986505 1.2 Objectives PAGEREF _Toc323986505 h 4
HYPERLINK l _Toc323986506 1.3 Aim PAGEREF _Toc323986506 h 5
HYPERLINK l _Toc323986507 1.4 Personal Statement PAGEREF _Toc323986507 h 5
HYPERLINK l _Toc323986508 1.5 Research Purpose PAGEREF _Toc323986508 h 8
HYPERLINK l _Toc323986509 1.6 Research Questions PAGEREF _Toc323986509 h 8
HYPERLINK l _Toc323986510 1.7 Significance of the Study PAGEREF _Toc323986510 h 9
HYPERLINK l _Toc323986511 Chapter 2 Literature Review PAGEREF _Toc323986511 h 10
HYPERLINK l _Toc323986512 2.1 Marketing Mix Elements PAGEREF _Toc323986512 h 10
HYPERLINK l _Toc323986513 2.1.1 Product PAGEREF _Toc323986513 h 11
HYPERLINK l _Toc323986514 2.1.1.1 Element Implemented PAGEREF _Toc323986514 h 12
HYPERLINK l _Toc323986515 2.1.2 Place PAGEREF _Toc323986515 h 12
HYPERLINK l _Toc323986516 2.1.2.1 Place Element Influence on Marketing Strategy PAGEREF
_Toc323986516 h 12
HYPERLINK l _Toc323986517 2.1.2.2 Element Implemented PAGEREF _Toc323986517 h 13
HYPERLINK l _Toc323986518 2.1.3 Promotions PAGEREF _Toc323986518 h 13
HYPERLINK l _Toc323986519 2.1.3.1 Promotion Element Influence on Marketing
... Get more on HelpWriting.net ...
42. U.s. National Bureau Of Economic Research
In December of 2007 the Great Recession hit not only the american but the world s economy.
According to the U.S. National Bureau of Economic Research (NBER) the struggle didn t end
in the United States until June 2009, and therefore had a duration of about 18 months. This
global crisis ranks fourth in terms of the weighted sum of countries suffering it (NBER).
Consumers, who had been the engine of the economy for the past several decades, suffered the
loss of their jobs. Between 2008 and 2009, the U.S. labor market lost 8.4 million jobs, or 6.1% of
all payroll employment (State of Working America). This resulted in the most sever consumer
spending decline since World War II and the worst employment contraction since the Great
Depression, reaching a peak of 10% of all the workforce on October 2009 (BLS). The economy
was already faltering in the banking sector, but it finally crashed with the dearth of credit. As a
heart distributes the blood throughout the human body, even reaching the limbs, allowing the
body to work properly, the banking sector pumps credit, reaching every business in every sector.
When the banking sector stops giving credit, the whole economy freezes since businesses don t
have means to pay their bills. There are reasons why the banks stopped the flow of credit, and they
could have been avoided if the government had corrected the bad manners to which the banking
sector was getting used, all driven by the ambition to generate more revenue. The
... Get more on HelpWriting.net ...
43. Environmental Issues Affecting The Exploitation Of...
1 INTRODUCTION There is an increasing energy demands worldwide towards the exploitation
of renewable resources from agricultural and forest remnant. The major components of these
remains are cellulose, lignin and pectin. These materials have paid more interest as an
alternative feedstock and energy source, since they are abundantly obtainable. Large quantities
of wastes are produced every year from the industrial treatment of agricultural raw materials.
Most of these wastes are used as animal feed or burned as alternative for removal. However, such
wastes usually have a composition rich in sugars, minerals and proteins, and therefore, they
should not be considered wastes but raw materials for other industrial processes(Mussatto et al.,
2012) (2). Using of residues from agro industrial sources in bio processes has aroused the interest
of the scientific community lately. Ecological issues and concerns aimed to reducing pollution
have boosted the search for clean Technologies to be used in the production of commodities of
importance to chemical, energy and food industries. This idea makes use of alternative materials,
requires less energy, and minimizes pollutants in industrial effluents, as well as being more
economically useful due to its reduced costs (Martins et al., 2011) (1). Agro industrial wastes are at
most composed of complex polysaccharides that might serve as nutrients for microbial growth and
production of enzymes, several microorganisms are capable of using
... Get more on HelpWriting.net ...
44. What Leadership Means Essay
What Leadership Means
Leadership is the behaviour of an individual when he is directing the activities of a group towards
a shared goal . (Hemphill and Coons,
1957, p.7)
A leader is interpreted as someone who sets direction in an effort and influences people to follow
that direction. How they set that direction and influence people depends on a variety of factors. To
really comprehend the territory of leadership, one should briefly scan some of the major theories,
notice various styles of leadership and review some of the suggested traits and characteristics that
leaders should have.
There are many leadership theories. Arthur G. Jago (1982) proposed a framework that organizes
leadership theories based on each theory s ... Show more content on Helpwriting.net ...
Initiating structure: Initiating structure, also known as job oriented behaviour, refers to leadership
behaviour that is aimed at careful supervision of employee work methods and performance levels.
Some research indicates that those leaders that were high in consideration would be more effective
than those who were high in initiating structure, particularly in regard to maintaining employee
satisfaction and performance and reducing turnover and absenteeism.
Subsequent research argued that being high in both dimensions was necessary for effective
leadership.
As the early researchers ran out of steam in their search for traits, they turned to what leaders did
how they behaved (especially towards followers). They moved from leaders to leadership and this
became the dominant way of approaching leadership within organizations in the
1950s and early 1960s. Different patterns of behaviour were grouped together and labelled as
styles. This became a very popular activity within management training ? perhaps the best known
being Blake and
Mouton?s Managerial Grid (1964; 1978). Various schemes appeared, designed to diagnose and
develop people?s style of working. Despite different names, the basic ideas were very similar. The
four main styles that appear are:
Concern for task / production.
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45. Blindness And Photosynthesis
The fact that the camouflage prey stimulated a lower predation rate compared to the non
camouflage prey indicated that camouflage, body coloration has a significant effect on an
organism in a specific environment. In addition, having camouflage features not only reduced the
predation rate, but influenced a better survival rate. Those who were able to become invisible to
their prey were able to live longer compared to those who were easily identified. Similar results
were evident in an experiment comparing the effects of background color of chameleons on birds
and snakes. Stuart (2008) did an experimental study that showed a greater response to birds rather
than snakes, due to slight color blindness. Poor color discrimination limited the snakes to determine
the location of their prey, the chameleons, compared to the birds (Stuart 2008). Overall, camouflage
advanced the tested chameleons ability to survive.... Show more content on Helpwriting.net ...
Eyes are used to see and observe and without them, there is an introduction to blindness. If
something is easily visible, then it will draw the attention of the eyes and tend to focus greatly on
that specific object/thing. However, if the object/thing is hidden by the ability to camouflage, then
what is not seen is not detected. Although the results were accurate, certain factor could have
influenced the significant difference between the camouflage and non camouflage prey. These
factors include: the environment, different methods to finding the prey, and improper mixing
within the environment causing one feature to appear better than the other. Overall, further study is
needed to determine the effects of camouflage on the predation rate of other
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46. Analyzing Dante s The Divine Comedy
Part 1 How does Dante use metaphors/allegories as mechanisms for articulating his vision of
Christian ethos? Consider how the work is structured and how punishment is meted out and his use
of contrapasso.
Durante degli Alighieri, usually referred to as Dante (1265 1321), was an Italian poet, moral
philosophers, and political thinker best known for his epic poem La divina commedia. Essentially,
The Divine Comedy describes Dante s journey through Hell, Purgatory, and Paradise guided at first
by the Roman poet Virgil, and then by Beatrice, the subject of his undying love. In many ways,
though, the poem is both a literary story of a journey and a commentary about the political and
moral issues of the time; Christianity, royalty, privilege, class, and most certainly the concept of
sin and the Devil. Besides being a treatise on the socio political climate of the time, Dante used
the concept of Hell and Satan to explain human imperfection and a way to see another
organization within the temporal world. Dante parodies the Trinity in the three parts of Satan, but
also paints a mythology that became truth for many, and certainly part and parcel of modern
popular culture. Satan in Dante s works is quite familiar to the mModern individual: demonic,
able to possess a human s free will, lizard like but able to pretend, a liar, thief of sould, and the
archenemy of God and all that is good in the universe (Anderson, 2010, 365 75).
As a poem, The Divine Comedy uses metaphors quite
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47. The Bluest Eye By Jacqueline Woodson
Although written decades apart, Jacqueline Woodson s Another Brooklyn and Toni Morrison s The
Bluest Eye both explore the trials and tribulations that young black girls must endure as they begin
to step into womanhood. While the burdens that the protagonists in each of these texts differ in
some key ways, one of the most interesting things that both Woodson and Morrison depicted was a
sense of difficulty in coping with these changes, and rather than having any semblance of mastery
over their circumstances, these young protagonists would instead project their emotions onto
something else as they try to discover what causes their suffering. Morrison s The Bluest Eye, for
example, features this prominently throughout the text as Pecola sets... Show more content on
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Junior, Geraldine s son, loathes this cat, as the text states, [as Junior] grew older, he learned how
to direct his hatred of his mother to the cat, and spent some happy moments watching it suffer
(Morrison 86). This section not only serves as another example of projection from a developing,
young, black character, but more importantly, it also sets up the expectation for this cat to be
loved. Later in the text, Pecola finally goes to Junior s home to see the cat, and Junior promptly
throws the cat in her face and locks them both in a room (89 90). But as Pecola stays in the
sealed room, something odd begins to happen. She looks down at the cat, and the text gives us a
description of the cat as black all over, deep silky black, and his eyes, pointing down toward his
nose, were bluish green (90). Originally, then, the cat s eyes are described as bluish green until
Pecola sees the light hit them in a certain way, then they shift to blue. The text continues, The light
made them shine like blue ice. Pecola rubbed the cat s head; he whined, his tongue flicking with
pleasure. The blue eyes in the black face held her (90). Notably, the moment that the light changes
the eyes of the cat to blue, Pecola begins to show it affection, and the cat begins to show signs of
happiness. Notably, past this point in the text, at least for the remainder of when the cat is
mentioned, he is always given the description of having blue eyes rather
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48. Why There Are Wrinkles Essay
Why there are wrinkles?
Why there are wrinkles Today we ll talk that there are wrinkles in the face, why, and what reasons
they will learn how to fall |
Not necessarily be due to aging or age wrinkles | or your skin younger women are not aware of and
do not care, it may have wrinkles on their faces |
Pollution, dust, stress, sun and run about innumerable things, our skin is exposed to | so do not take
proper care in time before the age of wrinkles fade | If the face and body skin care, if the aliphatic
and bonny face will remain for years |
Why there are wrinkles?
1. The natural oils of the skin begin to deteriorate over time and dryness in the skin seems to
come | Skin rashes can become surly with the crust | Lack of moisture and smoothness to the skin
becomes | which also causes skin and eye ridges emerge around began to thrive | Leads to wrinkles
on the neck and cheeks | ... Show more content on Helpwriting.net ...
Bright rays of the sun are the enemy of the skin | the health of the body to receive vitamin D
from sunlight is necessary, but the soft skin of the face must be protected from the sun s strong
rays is | Might otherwise face scorched | UVA and UVB rays faster than the risk of skin cancer and
skin |
3. Skin every moment, in every season changes | as example, in an atmosphere of happiness, laugh
extra time in our skin glow and brighten | When we are sad and disconsolate in the atmosphere or
mood that is our skin droops |
4. Being less active oil glands in the skin becomes callousness | Skin dryness is the victim of rude,
causing early wrinkles
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49. The Importance Of Professional Development
Engaging teachers in a learning community, fosters professional growth by developing relationships
among peers (Schramm, 2006). Learning communities provide professional development that is
implemented to improve the learning of students and professionalism of teachers. Teachers within
learning communities are organized in order to collaborate on addressing goals that are aligned
with expected school and district outcomes. Effective leadership is a key factor in effective
implementation of professional development within a school (Schramm, 2006). In order to
maximize the benefits of professional development opportunities, school leaders need to provide
staff development that is focused on improving the learning of students. Focused professional
development requires skillful school leaders who are knowledgeable and capable of guiding
teachers and the school in continuous instructional improvement. Providing teachers with access to
resources that support the strategies learned during professional development is imperative for
effective implementation (Schramm, 2006). Increasing teacher exposure to educational resources,
benefits both the teacher and the student. However, in order for resources to adequately meet the
need of the teacher and student, professional development must be provided on effective use and
implementation. Professional development that provides teachers with the tools and knowledge to
effectively use data is necessary for improving student outcomes
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50. Financial Crisis Of A Single Country
Table of Contents
Summary2
Financial crisis3
Impact of financial crisis4
Effect of financial crisis on different on the economies of different countries 5
Mathematical problems6
Conclusiom8
References
..................................................................................................................................................9
Summary
Financial crisis has long been a part of global economic recession throughout the history. Here, the
purpose of this assignment is to identify the possible reasons for financial crisis and provide
implications of the crisis in the context of US sub prime mortgage crisis.
The paper also explains how the financial crisis of a single country can have a multiple effects in
other country that can be turned into a global crisis. Some pracrical examples are given here to
have a better understanding of the aftermath situation of a financial crisis.
In the latter part of this assignment some business valuation models are used to identify the
expected return from ordinary shares and preference shares, cost of debt, market value of assets
and then weighted average cost of capital are also calculalted.
Financial crisis:
Financial crisis is a global phenomenon nowadays and especially it has come to focus on after the
worldwide financial crisis of 2007 2008. It s a situation followed by economic downturn or
recession caused by banking panics, internal and external shocks, stock market crisis or some other
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51. Drug Smoking And Drug Trafficking In The World
If I have another day like I did today, I m going to scream until they take me away to the funny
farm and feed me meds twenty four seven.
For ten years I ve stuffed circuit boards at the High Cats International Corporation and at noon, a
thousand federal agents, which included, the FBI, ICE, Homeland Security, and local police,
raided the place and arrested the owner of High Cats and fifty high ranking employees.
According to what I overheard the Federal agents had confiscated 800 pounds of cocaine, 400
ounces of meth, 200 ounces of heroin, 9, 00 ounces of marijuana and a shit load of prescription
pills. As well as, 560 high powered rifles and over 600 thousand dollars, stuffed in paper bags. How
was I to know that drug trafficking and weapons smuggling were taking place, right under my nose?
Needless to say, the Feds padlocked the front door and now I m jobless
When I arrived home, I found a note from my wife informing me, she had cleaned out both the
saving and checking accounts, and ran off with a travelling salesman, twenty minutes later the
bank foreclosed on the house and right after that the repo man drove away in my truck. With no
money in my wallet, I packed a duffle bag and found a park bench down by the river and spent the
night.
Sometime around sunrise I felt a tug on my foot. When I opened my eyes there stood a man about
the age of my great grandfather, who resemble Gandalf the Gray or maybe Albus Dumbledore, but
not as elegant. Thou his white hair hung down to his waist, it lacked luster, his cloak appeared
tattered and his walking stick was nothing more than a broken branch from a nearby tree.
As I jumped to my feet he says, with an air of sincerity and a hint of genteelness, Dear sir, I
apologize for startling you, but would it be an inconvenience upon you, if we share this park bench
for it s the only one that offers a hint of shade.
He had an air about him that lighten my heart, so I say, Yes, please, of course, by all means, sit
Thank you, he graciously countered as he sat down, leaned back and slightly sighs.
I sit down and offer him a firm handshake, a heartfelt smile, and say, Good morning, sir, I m Fred
Johnson, It is an honor to meet you, Fred Johnson, he said
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52. Unemployment In The Us Economy Essay
The U.S. economy has many elements of markets that had seen either an increase or decrease from
activity or production. Beside these other markets (such as gasoline, or airplane seats) there has
been a steady growth of the Real Estate market. Due to these slight increases in the housing market,
there can now be other positive effect throughout the U.S. Firstly, with the steady increase within
the housing market, there s a better chance of an economic growth. Secondly, the unemployment
rate will steadily continue to decline from housing sales. Thirdly, there will be more work
opportunities offered. According to Lam, the housing market has seen and continue to see healthy
gains (Lam). Home prices to continue to rise at a 4 to 5 percent annual rates, two to three times the
rate of inflation (Lam). Sales of existing homes are expected to... Show more content on
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economy can now see a steady decrease in the percentage rate of unemployment. With slight
improvements in /to/on the housing market , the unemployment rate has fallen to a four years
low in/on 7.7 percent...which was at 8.7 percent a year earlier and peaked at 10 percent in
October 2009 , four months after the recession ended ( Home Sales , Values Probably Increased:
U.S. Economy Preview ) . Now that the housing market is slowly strengthening, the
unemployment rate is slowly declining. And with this, we can notice steady increases in job
growth rather than unemployment. Plus, more and more workers can now feel a sense of
confident or security about their own economic prospects such as buying a home and buying an
automobile. Though, with steady job growth many local businesses may seem to take advantage.
For example , Home builders such as KB Home are benefitting from increasing demand after a
one point drop in the jobless rate of / for the past year helped shore up consumer sentiment and
record low mortgage rates made buying more affordable ( Home Sales, Values Probably Increased:
U.S. Economy Preview )
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53. Rough Play As A Rough Play
Rough Play is known as One of The Most Difficult Behaviors
Many people feel that rough play is one of the most difficult behaviors within small children.
However, young children love this type of physical play. This type of play is usually strong, fierce,
and rugged. This play may be known as the big body play rugged and tumbled play, violent
manner, or play fighting. These forms of play can be seen with other children, they are called by
different names such as King of Mountain, Red Rover, Freeze Tag, Steal the Bacon, Duck Duck
Goose and many more names. Infant children use their bodies to learn. Some of the things infant
children do is roll back and forth, kick their legs, and wave their arms, sometimes when they are
alone or sometimes when they are beside another baby. Another thing that infants do is crawling on
top of each other. When infants get bigger, they use their bodies to stand up, push off, and move
themselves forward and backward. The toddlers yank each other firmly, and shove each other down.
When children reach the preschooler ages, the demonstrate physical ways of connecting and
learning to go after a foreseeable influence of characteristics such as running, casing, fleeing, and
dropping to the ground on top of each other. The young children body play is sometimes lonely.
However, the preschooler finds enjoyment by running around, dancing, and spinning, rolling over
the floor and on the ground, and or hopping and skipping by themselves. There are some
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54. Juvenile Crime Theories
Although juvenile crime tends to go unrecognized, it is a major issue in America and happens to
go unrecognized. There once was a time when society did not place emphasis on the special needs
of juveniles. In most cases children were taking on adult roles to help their families survived, which
caused them to struggle with identifying themselves in society. They were also subject to the same
consequences that adults received when they did something that was considered morally wrong,
forcing them to grow up before their time. There are multiple theories that are used when
considering the consequences for an adult offender. However, I personally feel that we should not
use the same theories for juvenile crimeunless the crime committed is a Mala In Se Crime, which is
considered wrong and inherently evil immoral.Studies have shown that our brains continue to
develop into our twenties, which confirms that the thought process that a child and an adult goes
through is completely different. A juvenile is not mentally of physically developed enough to
handle the severe consequences that an adult can. Just because someone makes... Show more
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While conducting my research, I learned about a young man named Kalief Browder. Kalief was
sent to Rikers Island at the age of 16 for being accused of stealing a backpack. He served three
years at Rikers Island although he did have a trial or was found guilty of committing a crime.
While serving his time he was often beaten by the guards and locked in his cell for long periods
throughout the day. When he was released from prison he was completely traumatized. He would
lock himself in his bedroom for long periods of time and feared being around large groups of
prison. Because he was treated as an adult for a minor crime, he was left mentally unstable at the
age of 22. Consequently, Kalief committed suicide due to his experience at Rikers
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55. Height And Distance Lab
Purpose The purpose of this lab is to find the mathematical relationship between the height from
which a round object is dropped, and the speed at which it travels when it reaches the ground. This
experiment will achieve the goal by measuring the height at which a sphere will be released on a
ramp, and recording the time and distance the sphere will travel when it reaches the ground. By
analyzing and projecting the quantitative data on a graph, and finding the best fit line will indicate
the existing relationship between the two variables, height and speed. Background The experiment
will require the measurement of height, time, and distance. Height is measured as the amount of
elevation from the ground and up to the point where the ball will be released. Time is the... Show
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To set up the photogates, click on the Open folder icon that is located at the top left corner. Select
the Probes sensors folder. Then, select the folder labeled photogates . Thereafter, click on Pulse
time two gates . Make a data table to record the variables of height in centimeters, time in seconds,
and distance in centimeters. Complete the data table with a total of six different heights, and three
time trials for each height. Include the height of zero centimeters in the data table. Have one
experimenter stand next to the ramp. The other experimenter at the end of the runway to catch the
ball after it passes through the last photogate. Find the 20 centimeter mark on the meter stick next
to the ramp, and transfer that same height to where it would be on the ramp, and hold the ball on
the ramp at the height of 20 centimeters above ground. Click on the green collect button on the
logger pro program to begin recording. Release the ball from that height, and allow it to travel down
the ramp, under the first photogate, and then under the second photogate. Once it passes the second
photogate, immediately stop and catch the
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56. Swot Analysis Of Al Qahwa
Executive Summary
This report focuses on marketing plan audit of the company Al Farooq Foods and the brand of
coffee product it manufactures known as Omani Qahwa, a unique Arabic coffee originating from
Oman. Various analysis such as PESTEL, SWOT and competitor analysis were performed to
critically assess the company on various aspects in the MENA region.
The results proved that the coffee industry is one of the fastest booming industries in the MENA
region. Coupled with the strong economic development and the rich traditions of brewing and
serving in most of the Arab countries, Qahwa has a huge potential in the Arab market. Although,
Qahwa is yet to penetrate completely into the Arab market compared to the coffee company giants
such as Starbucks and Costa coffee, it does possess a huge potential, given the fact ... Show more
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Competitor Analysis
This section analyzes the competitors of the coffee industry in the MENA region. Starbucks coffee
and Costa coffee are two international brands of coffee analyzed in this report.
5.1 Starbucks coffee
Starbucks story began in 1971 with a single outlet in Seattle, USA. From the onset, Starbucks set
out to be pioneer in coffee industry and it offered one of the finest roasted coffee beans. Now,
Starbucks operates in 67 countries and has opened over 22,000 stores. Currently, it is the largest
coffeehouse chain in the world. It is estimated to have an operating income of $3 billion and
employees around 191,000 people around the world. (Starbucks Company Profile | Starbucks
Coffee Company, n.d.)
5.2 Costa coffee
Costa coffee was founded in 1971 and is headquartered at Bedfordshire, England. It has over 3000
stores around the globe spread across 30 countries. Costa coffee is the second largest coffeehouse
chain in the world behind Starbucks as of now. It reports an operating income of $1.4 billion and
has overtaken Starbucks in the UK in terms of market share, which stands at 54% currently.
(History Costa Coffee, n.d.)
6.Positioning
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57. The Federal Emergency Management Agency
The Rise and Fall of Legitimacy: A Review of the Federal Emergency Management Agency
(FEMA) from 1979 to 2005
Introduction
Legitimacy is the lifeblood of an organization. With conflict and competition a clear winner is
considered legitimate. Cooperation, however, offers the potential for legitimacy for multiple
parties. A legitimate organization has authority based on being representative, accountable,
responsible, effectiveness, efficiency, minimal interference from political pressure, and established
rules. Rules provide a rational foundation for procedures and operations. Administrative decisions
grounded in established rules are the basis of a legal rational authority and ensure that decisions are
not biased or influenced. Weber (1922) and Stillman (1998) identify the application of established,
impersonal rules and procedures as an important characteristic of an organization and crucial to a
legitimate authority. The Federal Emergency Management Agency(FEMA) has seen a rise and fall
regarding its view of legitimacy between the years of 1979 and 2005. FEMA carried a reputation
for a lack of legitimacy for nearly two decades. Strong leadership and a new approach led to an
increased respect and view of legitimacy by the public. However, this was short lived. This paper
will discuss the significant contributing factor leading to FEMA s return to a lack of legitimacy in
the response to Hurricane Katrina.
The Early Years
In 1979 The Federal Emergency Management Agency
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58. United Airlines 811
On February 24th, 1989 United Airlines 811 (UA811) took off from Honolulu International
Airport, Hawaii (HNL) for a regularly scheduled 8 hour flight to Auckland, New Zealand. The
routine flight aboard the Boeing 747 122 had left Los Angeles, California enroute to Sydney,
Australia, but made a scheduled intermediate stop in Honolulu and would make one more in
Auckland (NTSB, 1992, p. 1). UA811 departed Gate 10, at HNL, 3 minutes late with 3 flight
crew, 15 flight attendants and 337 passengers onboard (NTSB, 1992, p. 1). The flight took place
in the aftermath of Lockerby and additional boarding procedures were in place adding to an
extended passenger boarding process. The second officer noted that all cabin and cargo door
lights were out prior to departing the gate (NTSB, 1992, p. 2). The captain was at the controls
for the takeoff from HNL runway 8R at 0152:49 HST (NTSB, 1992, p. 2). The flightcrew
reported the airplane s operation to be normal during the take off and during the initial and
intermediate segments of the climb (NTSB, 1992, p. 2). Due to thunderstorms enroute the
flightcrew elected to deviate left of course and the captain left the passenger seat belt sign on .
When climbing between 22,000 feet and 23,000 feet at 300 knots the flightcrew... Show more
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In military aviation the entire crew is aware of any faults with the aircraft and can therefore speak
up if something does not look right or sound right. Though this may not be possible in commercial
transport aviation I believe that the ground personnel and flight crew could have been better
educated on what to look for when completing their inspection. This would not have prevented the
accident, but would have been a first step in making more flight crew, support and maintenance
personnel aware of the
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59. An Exhibition Of First Class Art Performance Dance And...
Holidays, Ceremonies and Goodies! New Years Day Music, dancing, food, fireworks, and street
parties make up the start of the new year taking place on the first day on January. Sun Festival On
February 25, celebration of the Mayan New Year takes place by hosting a fire ceremony to
promote solar power. International Arts Festival An exhibition of first class art performance dance
and theatre. Held during the first week of March. 
Fruits Festival Celebration and appreciation
of the myriad of fruits the island/country offers. An array of all the most exotic fruits are offered
to people for free on June 1st! Easter Easter eggs, egg hunts, food, gifts, and treats are a way of
celebrating the resurrection of Jesus Christ in the month of April International Beach Clean Up
Day To honour what the land has to offer, visitors and locals gather to clean up beaches in the
month of September. Christmas Decorations, festivities, gifts, food, and gatherings are a way of
celebrating and appreciating one s own surroundings as well as the birth of Jesus Christ. Labor
Day National holiday where most of the country takes a day off work in honour of working
people. Parade Week A week of non stop parade and festivities offering street food, bullfighting,
fireworks, dancing, and live music! Streets are transformed into retail markets where people can
sell food, jewellery, souvenirs, clothing, and more. Ayahuasca Pura Vida Ceremonies Provides
retreats to help
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