Jesus Christ Essay

Curley, I’m writing this letter cause for a long time I’ve been wanting to tell ya somethin’. When we married I knew from the firs’ day that you weren’t any good for me, from the firs’ day of our marriage I disliked you. An’ you know why, cause you’re nothin’ then jus’ a dirty ranch man, who can think on’y bout fighting and goin to have a shot offa corn in’a closest bar. Ya’r nothin’ better than other ranch workers, who get them 50 bucks at the end offa month an’ go to spend alla of ’em in’a brothel or for’a whiskey to get God damn drunk. I cn’t see any litt’ difference between you and them, an’ there’s no difference. Every week ya go to a bar an’ come back God damn drunk at late night. How do you think I feel then bout you? But ever’thing has a limit. You know, if not my ol’ lady I’d have gone to Hollywood an’ prolly I coulda find that man who promised me to take me in movie. Yes he sa’ that I’m natural, and if not my ol’ lady then I’d never be livin’ with ya in this God damn place, I coulda been in the movies, an’ had nice clothes – all of them nice clothes like they wear. An’ I coulda set in them big hotels, an’ had pitchers took me. But whatta I got – I’ve gotta husban’, a swell guy. An’ alla time I have to listen how he’d â€Å"use the ol’ one-two to make him go down†. And all I can do is jus’ to set in your God damn ranch an’ talk to a bunch of bindle stiffs. I’m dying from loneliness, Curley. An’ plus, when ya come home you starta talk about fighting again, you’re almost like fighting cock to me. You never care bout me, about how I felt and never try to make me feel better. Instead ya do opposite – ya tell me to set in your God damn two-by-four house, an’ do nothin’. But do you think that I like to stick in it alla time?.. But, Jesus Christ, if you see me outside you get so damn angry as somebody stole somethin’ from you, an’ alla your anger you put on me. For what? What have I done to you?.. You’re worse than an animal. An’ what about yer han’, stuck in’a machine, ah? Yeah, baloney! You’re a pathetic loser. Finally you’ve been shown that you ain’t the strongest. An’ I’m so thankful to that fella Lennie for doing it to ya. But why didn’ you use yer â€Å"ol’ one – two†, not tough enough. An’ why didn’ you ever fought with someone like Slim? What, was there no reason to, but you’re wrong there was an’ you knew it. You knew that there was somep’in between ‘im an’ me, but you was too scared to admit it, you was too scared to say a single word against Slim. It makes you such a loser, Curley. Aw God! I’m so fed up with you, Curley, if you could on’y understand how much. But I guess that I shouldn’t worry any more, cause I leave you, yes Curley I leave you. I’m gonna go to make my own life. I’ll prolly go to Hollywood and find the man. Course you’ll think that I’m outa my mind, but I ain’t. I ain’t gonna waste the rest of my life in your God damn ranch, rot there yourself! I wish you to rot in your damn place. Go on, go to brothel, drink, have a game of euchre, but I’m gonna be far away from you. Have a nice life! Your former wife.

What influenced Georgian style and its features?

What influenced Georgian manner and its characteristics?ContentIntroduction( page 3 )Early Georgian manner: Influence of classicalism( page 3 )Early Georgian manner: Influence of Palladinism( page 4 )Early Georgian manner: Examples( page 5 )James Stuart ( page 5 )Sir William Chambers ( pages 5-6 )Robert Adam ( page 6 )Late Georgian manner( page 7 )Henry Holland ( page 7 )Features of Georgian manner( page 8 )Landscape ( page 8 )Architecture ( pages 8-9 )Interior design and cosmetic humanistic disciplines ( page 9 )Decision( page 9 )Bibliography( page 10 )What influenced Georgian Style and its characteristics?Introduction Georgian manner is a manner in the architecture, interior design, and cosmetic humanistic disciplines of Britain during the 17Thursdayand 18Thursdaycenturies. The term â€Å"Georgian† gets its name from four male monarchs of England who reigned in Britain from 1714-1830. All of them were named George. ( DesignIntuit,2001) Although the George did non hold an impact on the manner, they perpetuated a motion that is different from the popular Italian and Gallic Baroque manner. â€Å"Georgian is a term normally associated in the popular head with refined furniture, elegant apparels, edifices of delusory simpleness, classical music, decorous prose, and state houses set in delighting parks.† ( Georgian Housestyle, Ingrid Cranfield ) . In kernel, Georgian is non a manner by itself, but an epoch during that many developments and alterations happened in both architecture and interior design. ( Worldguide,2015) Early Georgian manner: Influence of classicalism Each designer or interior decorator has his ain thoughts and single attack. However, all of them had something common: they were to a great extent influenced by elements of ancient Rome and Greece. In other words, they were driven by the same motivated thought: to animate the antique classical universe. Classicism was considered as godlike: it reproduced the edifice blocks of God’s creative activity and the agreements of nature. Furthermore, this ( Georgian ) period is defined as â€Å"an epoch of refined neoclassical trends† . ( Worldguide,2015) As it was mentioned earlier, the Georgian manner was extremely influenced by classicalism. Young British blue bloods ( including designers, interior decorators and furniture shapers ) in the 17Thursdayand 18Thursdaycenturies took the â€Å"Grand Tour† of European states. These â€Å"Grand Tours† made the influential categories follow classical traditions of architecture and design. However, the Baroque used classical ornamentation and decor in a really unfastened ended manner. ( David Ross,2015) However, the British employed these motives in an inflexible and unagitated manner. ( Worldguide,2015) If Baroque is excessively much, Georgian classicalism is a grace. Early Georgian manner: Influence of Palladinism Besides classicalism, there was another manner that had a really strong impact on the Georgian manner. It is a Palladinism, â€Å"a doctrine of design based on the Hagiographas and work of Andreas Palladio† . ( David Ross,2015) He is an Italian designer of the 16Thursdaycentury who recreated the design and proportions of the edifices of antique Rome. ( Worldguide,2015) Famous English designer Inigo Jones brought the Georgian manner to Britain in the 17Thursdaycentury. ( Worldguide,2015) Palladinism was a important factor in the early Georgian manner. There was a proportion-based Palladian school of design that dominated British architecture from the mid-1720s to the early 1750s. It was rich and graceful, and there were Roman temple frontages and pillars. In add-on, a mathematical expression was used for a building’s proportion. However, after 1750 ( Dan Cruickshank,2011) or from around 1760 ( Worldguide,2015) , English designers James Stuart, Sir William Chambers and Scottish architect Robert Adam were exposed to a clearer manner of classicalism around Britain. They were inspired by the archeological finds at Pompei and Herculanium. This new information about Greek and Roman architecture brought about a neoclassical revolution in gustatory sensation. This emphasises on neoclassicism that became more widespread for design for the continuance of the mid-Georgian period, which was until 1800 ( Dan Cruickshank,2011) . Early Georgian manner: Examples James Stuart One of the best illustrations of neoclassicism is James Stuart ( 1713-1788 ) . He went on assorted â€Å"Grand Tours† of many European metropoliss like other designers at that clip. While he was analyzing in Greece, his work was necessarily influenced by clear Grecian motives. Due to these surveies, he got the moniker â€Å"Athenian† Stuart. In add-on, he published â€Å"Antiquities of Athens† in separate books from 1762. ( Worldguide,2015) On the image below shows an illustration of his work: ( St James’s Square, London ) Sir William Chambers Sir William Chambers ( 1723-1796 ) is one of the designers stand foring the mid-Georgian period. He was born in Sweden to Scottish parents. His architectural practise was in London in the 1750s. Furthermore, Sir William spent clip in China, which gives an account why his neoclassicism was assorted with Chinese touches and elements. The name of the technique is known as chinoiserie, and it enjoyed modest popularity in Britain that clip. He besides showed Greek and Roman features of Gallic neoclassicism. ( Worldguide,2015) ( Chinese Pagoda in Kew Gardens, London and Somerset House, London ) Robert Adam One more illustration is Robert Adam ( 1728-1992 ) . He was born in Fife, Scotland. He worked with his brother James on a manner airier than the Palladian, utilizing Egyptian and Gothic motives with Roman ornaments. His graphicss were symmetrical but non every bit much as Palladian proportions. Furthermore, he was known to demo motives as â€Å"ribbons, garlands, sphinx and gryphons, ellipses and hexagons etc† . This manner was celebrated as the Adam manner. ( Worldguide,2015) ( Syon House, West London ) Late Georgian manner Late Georgian manner is known as Regency and was popular during the reign of the British Prince Regent from 1811 to 1820. ( The Editors of Britannica,2015and Worldguide,2015) Actually, the Regency manner recollected neoclassical elements, but it was opened more to Greek, Egyptian, Asian and French influences than it was earlier. This manner is much heavier in ornamentation than earlier Georgian manners, and edifice frontages were frequently covered with stucco plaster than noticeable brick. Furthermore, insides were more unfastened and light, and Windowss became larger. In my personal sentiment, the Regency manner ( Late Georgian manner ) is kindred to a span between early Georgian design and nearing Victorian epoch. Henry Holland For case, Henry Holland ( 1745-1806 ) was the most prima designer of the late Georgian period. ( Worldguide,2015) Holland’s designs was influenced by Roman, Greek and Egyptian signifiers and the Empire manners of late 18Thursdaycentury France every bit good. His manner is simpler and more academic. ( Sloane Street and Sloane Square, West London ) Features of Georgian manner Landscape There are many features specifying the Georgian period. One of the chief characteristics is patio. The 18Thursdaycentury ( David Ross,2015) was a clip of great success of urban developments. Houses had a public and private map. Unfortunately, it meant that there was a demand to set a batch of houses into a little infinite. It lead to the creative activity of the patio. The patio allowed a whole street to hold a sense of architectural completeness, besides maintaining little sizes of houses. Patios used to take a few signifiers ; typically laid out in consecutive lines or in quadrilaterals around a cardinal garden country, or in curves or egg-shaped â€Å"circuses† . In add-on, these developments gave birth of the townhouses – practical lodging built in drawn-out, well-ordered patios, which made boulevard expression like orderly architectural elements. ( Worldguide,2015) These townhouses were normally four degrees in tallness and made of brick. However, during that period ( 18Thursdaycentury ) the rich were progressively wealthier and as a consequence, they began puting money into their families. Affluent landlords used their immense land to make designed Parkss, and those Parkss were called â€Å"country houses† . ( David Ross,2015) These estates were full of reproductions of classical temples and extra architectural pieces: grottoes, Bridgess, and that group of fragments called â€Å"follies† . Basically, these Parkss carried on the classical doctrine. Architecture Furthermore, there are other common architectural elements, such as symmetrical signifier, classical entrywaies, glass transoms, big quadrilateral suites, sash Windowss, immense exterior symmetrical staircases, internal hall staircase, pediment door and geometric ornaments. ( DesignIntuit,2001) Shape is a chief important characteristic of this manner. The square is â€Å"prominent† ( DesignIntuit, 2001 ) , and forms are classical. The foundation of Georgian proportion was normally geometrical, with the cardinal block of the edifice â€Å"often augmented by dashs and wings† ( Wentworthstudio,2015) Homes were merely symmetrical. There was non normally an even figure of Windowss ( five across for house ) . This did non let dissymmetry around the in-between window of the edifice. Sash Windowss –â€Å"panes divided by wooden bars† ( Worldguide,2015) – were common. In add-on, Windowss were four-sided ( DesignIntuit,2001) and had the same breadth ( Worldguide,2015) . However, their tallness was assorted from the first floor to the last 1. Second floor Windowss were the tallest 1s, while land floor and 3rd floor Windowss were shorter, and the Windowss on the top were about quadrilateral. Every Georgian house door is groundwork and supported by memorials. ( DesignIntuit,2001) There was a window on the top of the door, and it was separated by a construction called a fanlight. ( Worldguide,2015) There was typically a hip roof, sometimes with dormers. It was really popular with Christopher Wren. Furthermore, a more asymmetrical gable roof would be inappropriate at all. ( Wentworthstudio,2015) Interior design and cosmetic humanistic disciplines In the Georgian period, there was a important rise in popularity with respects to interior ornament. ( Britannica,2015) When you look at Georgian insides, think about those architectural elements that are inside – big furnace and room accesss, and well-balanced proportioned suites. In add-on to architecture and interior design, there were great accomplishments in the cosmetic humanistic disciplines. For case, furniture design met many manners and attacks, runing from the classical influence, to the consecutive and simple lines etc. Decision Sadly, that period could non last. Victorian morality transformed architecture and other designs because their thought was about following Gothic manner as a national one due to the fact that it was a native design for the Great Christian Empire of Britain. ( Dan Cruickshank,2011) To sum up, the Georgian period, particularly architecture left many chef-d'oeuvres and a fluctuation of manners and thoughts. Furthermore, the metropoliss and urban quarters created that clip ( Bath and Bloomsbury in London ) are still theoretical accounts of comfy urban life.Bibliographyâ€Å"Georgian Style† , David Ross, 2015 ( hypertext transfer protocol: //www.britainexpress.com/architecture/georgian.htm)â€Å"The Georgian Style of British Colonial Annapolis† , DesignIntuit, 2001(hypertext transfer protocol: //www.designintuit.com/issue0002/focus/ghistory.html)â€Å"The Georgian Era of Great Britain† , Worldguide, 2015 ( hypertext transfer protocol: //www.worldguide.eu/wg/index.php? StoryID=148 & A ; ArticleID=21368 )â€Å"Georgian architecture: a classical re-education† , Dan Cruickshank, 2011 ( hypertext transfer protocol: //www.theguardian.com/artanddesign/2011/sep/11/georgian-architecture-british )â€Å"Historic manners: Georgian style† , We ntworthstudio, 2015 ( hypertext transfer protocol: //www.wentworthstudio.com/historic-styles/georgian/ )â€Å"Georgian architecture† , Britannica, 2015 ( hypertext transfer protocol: //www.britannica.com/EBchecked/topic/230322/Georgian-style )1

Athletes and Financial Investment Firms

Does the acquisition of material goods or financial gains insure financial stability? Is there peace of mind for an individual once these goals of procurement are achieved? Is there anyway to insure financial peace of mind? The simple answer would be to become a professional athlete, to win the lottery, or marry into Bill Gate†s family. However, these are all long shots for a majority of the world. But even these do not guarantee long-term financial stability. That is why it is becoming increasingly important to possess a high level of competency in the area of wealth management. What exactly is wealth management? Wealth management is the proficient administration of one†s total assets through financial planning and accurately allocating wealth to achieve a financial goal. Financial planning integrates the execution of various financial services, which promote growth, and stability of an investor†s wealth. Planning is differentiated according to the specific needs and focus of individuals. A high-net-worth individual would bear distinct goals that differentiate from that of a small-time investor. Albeit that these investors may have unique objectives, the necessity for a competent provider of such financial services is evident. The world of finance is unpredictable and continuously shifting. Investors find themselves overwhelmed by intimidation caused by the perception that investment firms are bottom-line oriented with no regard to their personal financial goals. As a result, investment firms are making resilient efforts to educate investors and offer them extended financial services. These services are specifically designed through a financial plan, which caters to the individual investor. Athletes and Financial Investment Firms Does the acquisition of material goods or financial gains insure financial stability? Is there peace of mind for an individual once these goals of procurement are achieved? Is there anyway to insure financial peace of mind? The simple answer would be to become a professional athlete, to win the lottery, or marry into Bill Gate†s family. However, these are all long shots for a majority of the world. But even these do not guarantee long-term financial stability. That is why it is becoming increasingly important to possess a high level of competency in the area of wealth management. What exactly is wealth management? Wealth management is the proficient administration of one†s total assets through financial planning and accurately allocating wealth to achieve a financial goal. Financial planning integrates the execution of various financial services, which promote growth, and stability of an investor†s wealth. Planning is differentiated according to the specific needs and focus of individuals. A high-net-worth individual would bear distinct goals that differentiate from that of a small-time investor. Albeit that these investors may have unique objectives, the necessity for a competent provider of such financial services is evident. The world of finance is unpredictable and continuously shifting. Investors find themselves overwhelmed by intimidation caused by the perception that investment firms are bottom-line oriented with no regard to their personal financial goals. As a result, investment firms are making resilient efforts to educate investors and offer them extended financial services. These services are specifically designed through a financial plan, which caters to the individual investor.

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Arts administration and cultural heritage Research Paper

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Peers Review Essay Example | Topics and Well Written Essays - 1000 words

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Whether Tilly is a proverbial Don Quixote, misconstruing the benign as Essay

Whether Tilly is a proverbial Don Quixote, misconstruing the benign as threatening. Is there any reason not to dismiss him - Essay Example In this respect, Tilly advocates for realism as opposed to determinism in a social science context. Mill also learns of the approach of Tilly in the study of social science. People must consider the premise that an individual must justify actions with the reality of actions. This is an assumption held by Tilly with regard to normative theory of social science. However, Mill is convinced that Tilly’s opposition to the aspect of determinism is justified (Franklin, 2007). Mill also anticipated Tilly’s social science criticisms because he also believes in the normative approach. An individual ought to base his decisions on self-conscience whereby a person influences the environment instinctively. Mill also believed that a humanistic approach in social science is justifiable and it formed the basis of Tilly’s critique for the determinism approach by in social science. The only exception when the normative approach is not followed is during a break in the pattern of a social life. Tilly also argues that the world is a rational environment as opposed to a social environment. This social philosopher upholds the fact that all actions are justified by reason in accordance to Descartes’s philosophical concept. Tilly is critical of the social scientist’s argument that reason-giving is just eventful rather than normality in life. According to Giddens (2008), the reasons given for any undertaking, must be of the right kind and must be applied to the right people in order to foster order in society. The speed of justifying actions by reason should also be high in order to have a logical flow of events. Tilly’s position on class politics contributed to his critique of the other socialist’s argument on normative socialism. In his critique, Tilly sought to abandon the structuralism theory of social science. Additionally, Tilly distanced himself for the reductionist theory. This paved way for

Inspirational Essay Example for Free

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Pilot fatigue as a causal factor in aviation accidents Essay Example for Free

Pilot fatigue as a causal factor in aviation accidents Essay This paper aims to delve into the processes and effects of pilot fatigue and its role as a causal factor in aviation accidents. Pilot fatigue as a term is hard to define since different kind of people feel it in different ways and in certain degrees. For the purpose of this paper, however, we will define pilot fatigue as a state of mental and physical exhaustion resulting in a decrease in the ability to perform and maintain activities. The paper will examine the causes of pilot fatigue, its effect to pilot performance in the aircraft and its role in causing aviation accidents. The feeling of fatigue is usually associated with two factors; lack of sleep and disruption of the body’s normal circadian rhythm. The occurrence of one or both usually results in a feeling of sleepiness, tiredness and exhaustion. One of the most essential functions in the human body is sleep. Sleep is the main way by which the body receives rest and enables it to resume activities after wakening. The effects of sleep have been almost based mostly on the results felt with and without it. Generally, having the proper amount of sleep, about 6-8 hours, results in a feeling of well being and freshness. Sleep loss means the time getting less sleep than what is required by the body to perform functions effectively upon awakening. The amount of sleep one needs to perform effectively varies per person, with some needing eight hours while others can simply make do with four. If one needs only 4 hours, and he only sleeps two, two hours of sleep loss occurs. The first night of sleep loss may or may not have a perceptible impact on work activities but after cumulative sleep losses, the impact also increases. Sleep is one of the various body processes regulated by our circadian rhythm. The circadian rhythm deals with regulating processes based on cycles of night and day. When one alters the circadian rhythm, it disrupts the body’s natural cycle of rest and sleep. (Sanquist, Raby, Forsythe, Carvalhais, 1997) Fatigue effects are generally the body’s way of attempting to get some rest. These include drowsiness, lapsing in and out of sleep, reduced alertness and muscle coordination, loss of concentration and spotty memory. A fatigued person has sluggish movements, slow reaction times and a tendency to lose focus of the task at hand. Graver is the tendency to become unconscious for brief periods of time, neglecting whatever action at hand. (Conway, Mode, Berman, Martin, Hill, 2005) In pilots, any one of these could lead to disaster. However, when a combination of them occurs, the risks rise dramatically. (Caldwell, 2005) Being a pilot exposes one to situations that result in fatigue. The schedule takes it toll. The paperwork and checks that a pilot has to undergo before the flight proper results in stress. However, it is the flight itself which is the main factor for fatigue in pilots. The long flights leave a pilot almost no time for rest, much less sleep. The banality of looking at controls aids in boring the pilot. Also, the travel of the plane may take it across one or more flight zones. One of the main indicators in the circadian rhythm is daylight. Taking a trip across time zones exposes the pilot to varying amounts of daylight in a single day. This is what’s properly known as jet lag. (Petrie, Powell, Broadbent, 2004) A fatigued pilot may find it easy to succumb to the effects of fatigue during a flight. Bourgeois-Bougrine, Carbon, Gounelle, Mollard, Coblentz, 2003) The cabin pressure, the dim lights, the monotonous sounds, all this have the potential to lure a tired pilot to sleep. Although resting periods are prescribed during flight, no relaxing sleep is derived from them. (Samel, Vejvoda, Maass, 2004) Pilots may also succumb to boredom fatigue, when their tasks become dull and monotonous. (Caldwell, 2001) Whatever discipline or training a pilot may have, it is no much to the needs of the body. It is true that as a pilot, one must be at peak alertness and performance. The effect of fatigue disrupts this and would logically lead to a disturbance in pilot activities. Once airborne, pilots must be vigilant in maintaining airspeed, altitude, pitch and course. In landing, they must be sure of themselves and their movements when banking, controlling the flaps and lowering the wheels. (Raymond Moser, 1995) Fatigue can make a pilot fail in any one of these tasks. This can cause aviation accidents. (Goode, 2003) However, data on the subject cannot empirically say what role fatigue plays. The effects of fatigue may be causative to accidents, but these effects can be induced by other means. There have been many cases where pilot error was cited to be the cause of the crash. However the reasons behind those errors may or may not be due to fatigue. Also, even with a fatigued pilot, it is possible to avoid incidents. (Goode, 2003)Co-pilots are in place not just to assist, but when necessary, take over a pilot. Although no empirical data supports fatigue as a major cause of aviation incidents, the fact that it can lead to such events have led aviation industry officials to take precautionary measures to prevent as well as minimize the effect of fatigue and the risks it entails to both passenger and crew. Guidelines regarding scheduling, medication and on air conduct are aimed to reduce pilot fatigue and boredom. (Conway et al. , 2004) Ensuring that the pilot is rested and is free from fatigue does not ensure an incident-free flight, but it does minimize the risks that the effects of fatigue could lead to disaster. (Smith Mason, 2001) Research Log The first step that I did was to identify the topic. I chose fatigue in pilots and its role in accidents since I have often looked up to pilots and wishes to know what happens when they are fatigued when flying. I researched materials relevant to my topic, from books I had to the internet. I began my paper by clearly stating what I wanted to express,as to avoid confusion and backtracking by the reader. The definition of terms was next to aid the reader in digesting the paper. The body consisted of a cause, effect and then role format. I presented the causes with the desire to impress upon the reader that fatigue happens to any one and everyone. I then enumerated the effects of fatigue to show how such a common event can lead to many risks. Next, particular focus was given to the pilots and their susceptibility to conditions leading to fatigue and conducive to its effects. Afterwards, I expressed that the effects of fatigue in pilots can lead to accidents. However, I refrained from directly pressing the role of fatigue since no data supports it directly. I used the effect of fatigue to show that since A causes B, then C which is caused by B is indirectly related to A. Afterwards, I wrapped up the paper with the measures being taken to prevent fatigue as well as a brief concluding statement.

Approaches to the study of Religion

Approaches to the study of Religion We can say that there are different approaches that can be taken when studying religion. For the last four decades universities and schools have been acting in response to a constant , steady demand for courses upon the study of religion .The people who take these courses are usually involved in religion themselves ,many are involved a in religious communities or, wishing to know more and learn regarding the religious beliefs of others. Others have no clear vision upon their religious identity and are searching possible traditions, ready to meet their spiritual exploration .So they start looking for different approaches to their study ,bringing along different opinions and whatever the process and methodology is, will bring them information from which eventually they will find answers or give opinion. (Peter Connolly,pp1-2Approche to the Study of Religion,Biddles L.T.D.) The author will attempt to evaluate the strengths and weakness of two approaches to religion and try to compare the work of the two representations and their methodology .The first is Professor Ninian Smart as he wrote widely, regarding different topics in religions, with papers and articles appearing in a vast range of publication sand television worldwide developing his own vision and philosophy of human progress and spiritual evolution. The other is Sri Aurobindo who brought a change to the vision of evolution of life into the divinity of life, In his own words: Man is on a transitorily passage . He is not final. The stage from man to super being is the next which depends from the approach of the achievement on the evolution on earth. It is the logic of Natures process. The works of both Sri Aurobindo and Ninian Smart shows two drastic and completely different approaches to religion. The author as part of his degree course has studied these two vastly differing approaches. Ninian Smarts approach to religion is described in his academic literature as a completely new way to the thinking of religion. He illustrate the introduction of Phenomenology saying, a lot of opinions have been written about not only the physical interchange of races but;, also ethnical and cultural, and especially upon values, so what take place when religions and their tradition convene? Will the globalization lead to a kind of universal religion, as prediction might lead, or it will be turned in a lively variety of many different beliefs? Smart contemplated these question for many years investigating various religions in the world. He explains that such experience definitely will change positions on previous views regarding religious tradition. It may perhaps intensify your religious experience. It all depends on the person you are and the personal period of life you are going through.(Scott London ,the future of religion an Interview with Ninian Smart June 1999 issue ofThe Witne ssmagazine. ) We can confirm that the method of study that Smart used in his approach comprehend both external and internal analysis of religion, characterized by phenomenological perspectives.(James L.Cox,p.159.A guide to the Phenomenology of religion .key figure ,formative influence and subsequent debate. Continuum International publishing group .2006.)Of course the phenomenological approach employed by Smart can be interpreted as an attempt of taking into consideration the individual experience of religion a at the same time trying to separate from it. The method used was to compare the subjective experience with the intent of shaping the arrangement of religion itself from within the structure. This approach can be better understood in his ritual dimension involvement with worshipping, meditations, pilgrimages, sacrifices and healing activities .Of course doctrinal and philosophical dimension is to be taken in consideration without living behind the experimental and emotional dimension and the important ethical and legal dimension.(Ninian Smart,pp10-12,Dimension of the sacred an anatomy of the worlds beliefs ,Harper Collins Publisher 1196) We see from Smarts classifactory account The Experiential and Emotional Dimension The Narrative or Mythic Dimension The Doctrinal The Philosophical Dimension The Ethical and Legal Dimension The Social and Institutional Dimension The Material Dimension The Practical and ritual dimensions (BBC.Religion) Smarts perspective in sustaining a phenomenological perception to the methodology of approach to the study, is far different from the approach that Sri Aurobindo use. First of all we have to say that both, Smart and Aurobindo have not defined religion from objective point of view but rather to determine religion in terms of its own value. Both methods tried to avoid the phenomenological approach. Personal experience is crucial to any understanding of religion .On this particular account Aurobindo discovers the relation or union, he favours, what he identifies as spiritual psychology and integral methods, but for both he confirms that the objective is to be understood and interpreted in terms of subjective.( D P Chattopadhyaya p1integral sociology and dialectical sociology,Shri Jainedra press 1976) From its approach, we understand that Sri Aurobindo begins his work clearly within religious prospect, particularly his own relation with yoga, he explains; the practice is not for ourselves alone, but for the Divine; The intent is to find occupation of good in the world, to outcome a spiritual conversion and to bring down a divine nature and a divine life into the mental, vital and physical nature and life of humanity. Its object is not personal, although is a necessary condition of the yoga. So with Aurobindo is clear the goal is more directly mystical ,to became one with the divine .(Michael T.Mclaughlin,p96, Editrice Ponteficia Universita` Grecoriana Roma 2003)In many occasions he confirmed that he does not intend to promote any old religion or to find a new one and he strongly oppose religious particolarism. So he is proposing a mystical goal and from his yogic teachings he guides,shows and achieves that.(Stephen H.Phillips.p79,Aurobindo`s Philosophyof Brahman,E.J.Brill Leiden 1986) The strength of Smart can be seen that he does not wish to strip religion or faith down to one or two elements say belief in The Virgin Birth and the dogma of out with the church there is no salvation but his classificatory account makes it clear that it has many elements and strands. A criticism of his approach is that it is far to scientific and while starting from the experiential and emotional he soon slips back into trying to seek common themes within all religions Aurobindo did not just stick to an immanental experience of a divine being but that there must be transcendence within the individuals life which is seen in Auroville with a lived approach to ones faith rather like that which is common within Charismatic and Evangelical Churches. A criticism of Aurobindos view may be seen that it seeks to remain within religion itself, similar to that of Smart as they both emphasise the importance of the experience of religion, a personal contact with God or Gods, however within Marxism we can see a move away from this religious experience. Aurobindo offers no guidance upon other religions as his account is purely personal. So how would Aurobindo address questions upon doctrine say within the New Testament? These questions within Smarts Classifactory account would help to define a religion. For example different opinions regarding the Trinity between Roman Catholics and Jehovah Witnesses. Also we can see the beliefs, symbolim and teachings of Aurovil le fitting weel within the above detailed classifacations of Smarts dimensions of religion Can we truly compare two totally different views religion one very internal the other very visual? Is Sri Aurobindo truly internal when we have the community of Auroville and a culture around him? Can we categorize all religions within Ninian Smart definitions? We may conclude saying that maybe religions will never combine in to one global faith ,but we do think that the society is moving towards a global ideology that have a space for religion and identify the contributions of the diverse ethnicity and traditions and bring a new way in helping us to work together for the support of human values and spirituality. What may be the way forward in the teaching and definition of religion is to accept the singularity of each religion and each individuals faith and seek ways in which they can be accommodated within a safe international environment that moves away from empirical definitions.

Martha Stewart: The Goddess of Greed Essays -- Exploratory Essays Rese

Everywhere you look, there she is. Martha Stewart has invaded every avenue of domesticity. Her "radiant presence... seems to be infinite, like that of the Almighty, or of Starbucks" (Lippert & Ferguson: 26*) The outposts of her "omnimedia empire" are quite fortified (Africannet page). Reigning over a vast technical spectrum, her multi-million, multi-media kingdom includes a magazine with a circulation of 1.2 million, a syndicated column, and a TV show with audience of 5.3 million, but she does not have an official web site (Lippert & Ferguson: 26). There are numerous webpages that fans and foes have dedicated to her.   Martha Stewart is energizing the homemaking marketplace. The home is a key part of the American Dream, Her ideas of housekeeping depart from the long-standing tradition of frugality, where practicality was paramount. She mentions Helen and Scott Nearing's The Good Life in an essay in Martha Stewart's Living April edition. While she enjoys foraging for 'nature's hidden treasures,' she does not share the Nearing's core values. Their idea of getting back to nature is to live lightly-- few things, low energy consumption. Hers is highly technical, wasteful and showy. "Make due with less" is not Martha's motto, it's "Just have more." Perfectionism is integral to her image. Having her audiences attempt the impossible ideal of perfection which she claims gets them hooked (if it's easy for Martha, it can be easy for you, too). Most people never realize the staffing that is involved for a layout in her magazine, Martha Stewart Living, or the production hours that go into a few minute long segment on her Lifetime cable show. The photo layouts in her magazine regularly have both a director an... ...ecome more profuse. To proselytize the population must be one of the things she thinks about during the mere four hours she allows for sleep each night. Sources Cited Hoge, Sharon King. "The Place Settings of Kilimanjaro." Forbes (Oct, 23) 1995: 39-40*. Kasindorf, Jeanie Russell. "Martha, Inc." Working Woman June 1995: 26-31*. Leyner, Mark. "Martha Stewart." Esquire Aug. 1995: 52. Lippert, Barbara. "Power Hausfrau vs. Working Woman." Working Woman Dec. 1992: 98. Lippert, Barbara and Sarah Ferguson. "Our Martha, Ourselves." New York (May 15) 1995: 26-35*. Money, Joe. "Little Ms. Perfekt." Boating, March 1995: 30. Speidel, Maria et. al. "The Best Revenge." People Weekly (Oct. 2) 1995: 100-110*. --"*" Indicates an article was obtained through online services, exact pagination is not available (estimates were made).

PepsiCo managerial methods Essay examples -- GCSE Business Marketing C

PepsiCo managerial methods I chose to look at PepsiCo Inc.’s managerial methods. I analyzed the companies organizational mission, ethics management and internet strategy. PepsiCo is a company with many different segments. The one company includes Pepsi-Cola brands, Tropicana brands, and Frito-Lay brands. Each section of the company has about ten to fifteen different brands in it. The management strategies cover all of the segments of the company. PepsiCo Inc.’s mission statement is as follows: â€Å"PepsiCo's overall mission is to increase the value of our shareholder's investment. We do this through sales growth, cost controls and wise investment of resources. We believe our commercial success depends upon offering quality and value to our consumers and customers; providing products that are safe, wholesome, economically efficient and environmentally sound; and providing a fair return to our investors while adhering to the highest standards of integrity.† I think that this mission statement is good because it focuses not only the success of the product, but also the success of the companies investors (including shareholders, which shows the company wishes success for it’s consumers as well). It also clearly states how the company believes it can achieve its mission, through sales growth, cost controls, and wise investment. These are the three main jobs of the management to maintain PepsiCo’s success. I don’t think that anything about their mission statement needs to be changed. I think everything is very clearly stated and it is persuasive in the sense that by reading it, a person can feel like the company knows what is best for them and it’s consumers at the same time. PepsiCo has many different ethics management policies. The two main ethics the company focuses on are the environmental commitment, and the minority/women business enterprises. Because the company produces food and beverages, PepsiCo does not have major environmental problems like a heavy industry does. The companies largest challenge when it comes to the environment is packaging for the products. The company recycle, reuses and reduces packaging whenever possible. Each individual business within the company is responsible for resources required in manufacturing to reduce waste as much as possible. PepsiCo has a â€Å"Environmental Commitment†... ...e of the largest online-off-line promotions ever. I think that PepsiCo has the internet covered fairly well. It is very easy for consumers to find their sites and PepsiStuff.com was an extra bonus for the consumers to get something back from the company. I also think that with the promotions that Pepsi has incorporate their website well. The latest contests with sodas have mostly all required the consumer to go online to see if they won or to look for contest details. I don’t think that it would be necessary for PepsiCo to add much to their internet strategy because they aren’t known as an internet company. They are all over television, radio and magazines, and I don’t really feel that internet marketing would add much to the already nationally known company. I think, from what I learned of PepsiCo, that they have good management techniques that don’t need much revision. It’s fairly obvious by just looking at the company that they have succeed with things the way they have been all along. PepsiCo is a strong company who I believe will be a success for a long time to come. Bibliography PepsiCo Inc. 2001 Minority/Women Business Development Frito-Lay 2001

Discussing the Greatness of Jay Gatsby Essay -- The Great Gatsby F. Sc

The first thing you see when you pick up the novel is the title. Fitzgerald chose the title ‘The Great Gatsby’ for his novel. This could lead us to believe that he personally believed his character to be great. However, this was not his only title for the book. The original title of the novel was: ‘Trimalchio in West Egg.’ Perhaps Fitzgerald changed the title as his story developed as he came to realise Gatsby’s greatness. However, this could be used to argue the other way, perhaps this original title relates more to the party throwing Gatsby and the hedonistic Jazz Age, suggesting that Gatsby isn’t great. Gatsby, as a rich man, has many beautiful possessions. This can be noticed in his ‘gorgeous’ car which had ‘a labyrinth of wind-shields that mirrored a dozen suns’. Nick discovers that at one of Gatsby’s parties a woman named Lucille tore her dress, and within a week she ‘got a package from Croirier’s with a new evening gown in it.’ This portrays Gatsby’s greatness through his generosity, and the impression is given that it is wonderful to be involved in Gatsby’s world. As The Great Gatsby is narrated by Nick, we see everything through Nick’s eyes. Nick tells us towards the beginning that there was something ‘gorgeous’ about Gatsby which set him apart from everyone else. We as the reader feel attracted to Gatsby like Nick is. When Nick receives the invitation to Gatsby’s party, Nick says that the invitation was signed in a ‘majestic hand’, this makes Gatsby sound elegant. The beginning of chapter three, immediately gives the reader the impression of a fantastical atmosphere. Gatsby’s gardens are described as ‘blue’, a somewhat magical colour for gardens to be. Nick tells us that ‘men and girls came like moths among the w... ...proves to cost him his life. Having a dream to that extent is not exactly great. There is evidence for both sides of this argument. Personally I believe that Fitzgerald did not wish to prove that Gatsby was corrupt, instead he wanted to relate Gatsby’s dream to the American Dream, showing that it has been corrupt by people such as Tom and Daisy who pursue money for money’s sake. The original dream has been betrayed. It is no longer the ‘fresh green breast of the new world’, instead it has become corrupt, and no longer true. Only Gatsby holds a true dream, which is what, in my opinion, makes him so great. He cannot be blamed for the failure of his dream, because his dream was true, and gave him a purpose. It failed because of the corruption of Daisy, and her utterly careless nature. I believe that, as the title of the novel suggests, that Gatsby is truly great.

Ancient Chinese Innovations

Ancient Chinese Innovations Jennifer E Strayer University Humanities 111 Ancient Chinese Innovations The ancient Chinese culture has probably contributed more to the advancement of humans than any other. In China’s long history they have shown us many extremely important inventions. In the modern world we take a lot of these innovations for granted even though we use many of them on a daily basis. I have often wondered who invented many items I use and it surprised me to find out that most things I use and quite possibly cannot live without were invented in ancient China.What would we do if paper had not been invented we may still be etching on stone and bones? Cai Lun successfully invented the very first batch of paper using fish nets and tree bark around 105 BCE. The invention of toilet paper would not have been possible without making paper first. Navigation was made easier with the invention of the compass. Would marinara sauce taste as good if it were not covering pasta o r ravioli? Pasta was invented around 300 BCE, nearly 2000 years before the Italian or the Arabs. Would the wars of the world ended the way they did without gunpowder?Around 850 CE, Chinese alchemist discovered gunpowder while searching for immortality. Many historical records and books might not have been made if it were not for the ease of moveable-type printing, which allowed for mass production of written material. Earthquake detection is another invention that many might not have lived without it. The early seismograph created during the Han dynasty around 132 CE used a pendulum to alert for a coming earthquake. While it is not known who first invented the sundial, the first mechanical clock was an important innovation by the ancient Chinese. Clark, 2009; Laudan, 2000; University C. , n. d; Unknown, Top 10 greatest inventions of ancient China, 2007) I think the four most innovative inventions given to us by China are the compass, toilet paper, moveable-type printing and the sund ial. The magnetic compass was first made somewhere between 221-206 BCE during the Qin dynasty. The original use was in fortune telling until it was discovered that it was better used at pointing out real directions. Originally used as padding or packing material n the second century BCE, the early Chinese writers mention using toilet paper as we do today as early as 589 BCE. The Chinese invented Woodblock printing over 2,000 years ago. Bi Sheng invented moveable clay type printing from which all later printing methods were developed from. The world’s first clock was invented by Yi Xing, a Buddhist monk and mathematician, his clock operated by having water drip onto a wheel that made a revolution every 24 hours. Hundreds of years later Su Song, an astronomer and mechanist, created what we know as the ancestor of the modern clock. Bellis, n. d; University C. , n. d; Unknown, Top 10 greatest inventions of ancient China, 2007) Our modern world was created on the foundation of the se innovations, they have been improved upon and upgraded over the centuries but the basic ideas remain the same. If there were one of these inventions that I simply would not want to live without it would have to be toilet paper. While water was the common way to cleanse after each trip to the bathroom, the convenience and ease of using toilet paper had travelers to China commenting about people’s cleanliness as early as 851 CE.In any natural disaster one key thing is sanitation; toilet paper is much more sanitary than using your hand and some water. A few months ago I saw a documentary called No Impact Man, where Colin Beaven, his wife and daughter, took part in a yearlong experiment to see if they could go that long and not impact the environment. One of the experiments was if they could go a year without using toilet paper. They did it, using cloth instead, just like cloth diapers, wash and reuse. While I know now that I could survive without toilet paper, I simply would not want to. Rowles, 2010) Works Cited Barsoum, D. M. (2006, December 18). Solving the Mysteries of the Pyramids. Retrieved January 23, 2012, from Department of Materials Science & Engineering: http://www. materials. drexel. edu/News/Item/? i=948 Bellis, M. (n. d). The Compass and other Magnetic Innovations. Retrieved February 25, 2012, from inventors. About. com: http://inventors. about. com/od/cstartinventions/a/Compass. htm Clark, J. (2009, March 9). Top 10 Ancient Chinese Inventions. Retrieved February 17, 2012, from HowStuffWorks. com:

Comerica Case Study Essay

The purpose of this physical composition is to recomm demolition Jack to farseeing the Comerica corporal (CMA) stock. In this paper we explain how lingos melt and bring in a small ass ground on the issue Comerica is facing. wthusly we more than(prenominal) on to pecuniary statements abstract of CMA, which does not present a precise strong outlook of the community, entirely because of the pecuniary crisis, whole industry is experiencing financial stress. Next, our military rating methods show that CMA is on a lower floorvalued sexual congress to its peers, and and so is a safe(p) high society to invest in. patronizeground k nowadaysledgeSimply putting, cashboxs accept puts from public slide by some of those deposits with them and lend the rest to bank linees and individuals. Businesses and individuals in turn pay sideline on those loanwords and banks pay rice beer to depositors, do funds from the spread. Nowadays banks ope dimensionns deem go away more and more complicated, and hence more important to enceinte trades. To get in to more detail, banks doughs bed from the avocation several shipway Differences between worry Rates on Loans and DepositsAs already explained Banks lend loans at the sp atomic number 18-time activity set out that atomic number 18 high than the ones they pay for deposits. A large part of banks profits come from the spread between banks depositing and lending rates. assist FeesBanks provide financial work to their clients and depend upon received summate of fees. By charging fees for managing customers bank accounts and providing other financial services much(prenominal) as issuing letter of faiths, banks arrive at another source of income, known as non stakes income. Now banks services bring in any case expanded into investment consulting and information disseminating. These services usually cost expensive fees. financial ProductsBanks provide financial products to help clients conte nd their property and generate noninterest income. A salutary example can be that banks cheat on mutual funds to their clients and gain income from some(prenominal) commissions and certain shargonage of the funds returns. In addition, banks sometimes in any case act asbrokers and generate r purgeues from bid-ask spread. InvestmentSome banks quicken an active role in take chances ceiling industry. By making investments in promising small companies, banks earn the benefits uniform capital investors or buy-out funds do. In addition, banks can in addition explore profit opportunities within currency exchange marketplace. Circulation mediator for CashBank can procession the economy by reallocating idle property to investors who need bullion. Banks can gather the trenchant money by absorbing deposit and then lend out loans, in that respectby increasing the liquidity of cash and expand investment activities. Create Derivative jimmyBecause of banks, several times the valu e of maestro deposit is formd. People save their money in banks, and banks lend the money out. brand- new(a)found loans through with(predicate)out the banking system generate new deposits elsewhere in the system. Thus new deposits be derived by the loan and create more sources of cash for banks to lend out. fee ChainsBanks encourage the business between companies by managing the shift of funds through corporate accounts. Banks can also introduce their clients to make payments and help their clients to honor cash. Comerica incorporated (CMA), one of the 20-largest banks operating in America, has study ope symmetryns in Midwest, California, Texas and Florida. Comerica operated under ternary business segments the business bank, the retail bank and the wealth and institutional management. Due to the financial crisis of 2008, banks, especially ones with high exposure in mortgage think loans, were under a lot of stress. Comerica, macrocosm one of them, is being evaluated by the Jack, as a effectiveness investment. CHARACTERISTICS OF CMAs FINANCIAL HEALTH base on the financial statements provided and the face 5, we hold up outlined the of import characteristics which define CMAs financial health. Increase in opinion Loss ReservesCredit vent provisions atomic number 18 the estimated loan leavinges from the currentoperating period, which means that high society is not expecting to receive these loans back and hence expensing them out, by increasing the al deplorableance for acknowledgement passes on balance planing machine. in that location is a substantial increase in the accompanys reference work dismission provisions for Comerica. The partage of credit loss provisions to PBT plus credit losses skyrocketed, from 3.6 pct in 2006 to 66 percent in Jun 2008, indicating the Corporations knobbed situation in collecting the superior loans.Increase in Non-Performing AssetsReserve reporting ratio, despite the increase in loss militia, is dec reasing dramatically, from 213% in 2006 to 87% in June 2008, indicating an enormous increase in non-performing assets (NPA). The main reason on increase in NPAs the incident that high parcel (32.9%) of companys total loans is Real mutualwealth loans. This is the reason that companys interest income has decreased despite the increase in loans make in 2008. Efficiency ratio is basically an operating expense strand m, the lower the better. The above 60 percent efficiency ratio, 50 percent broadly regarded as optimal, is an indicator of companys deteriorating performance. Use of Long Term and perfectly Term Debt to Finance Loans end sheet show that Comericas total deposits are maintaining a level since 2005, however companys loot loans have increase by almost $10 Billion. Balance sheet clearly shows that these loans are pay from the increase in short-term and capacious term debt, which cast doubts on the lucrativeness of company going forward. Un hold outability of the Divi dend Pay-out Ratio stage 5 shows an increasing trend in the dividends, which Comerica has tried to maintain despite the low gain. In the June 2008 nates, company paid $99 million as dividends against the straighten out income of $56 Million during the same quarter. These levels of dividends are not sustainable in the current recessive environment, and when the company does cut dividends, it leave alone ventilate a bad signal to the market. descending(prenominal) Revision in the federal removeicial money RateWe noticed that spread, which equals to net interest expense as a % of earning assets minus net interest expense as a percentage of interest air liabilities, is decreasing. One of the reason of this phenomenon is that interest mission deposits are increasing which is bad for the company. More e very(prenominal)where, there has been a downward revision of 3.25 percent in the federal funds rate from its original level of 5.25% in July 2007, to 2.0% in 2008 limiting the banks ability to direct higher spreads. Moreover, commercial loans are predominantly go rate, so decrease in the plyeral Funds rate entrust necessitate companys interest income. We do count that decrease in the Feds rate will increase the demand for loans but given the credit crunch, it seems unreasonable in the short run. reducing in Interest Income Percentage MeasuresThe shrinkage of interest income can be seemingly seen from the Corporations net interest income as a percentage of earning assets, from 6.82% in 2007 to 4.86% by the end June 2008. This decrease is delinquent to both fixingss of the ratio, one interest income is decreasing, second earning assets for Comerica Inc., which is loans, investment securities available-for-sale and short-term investments are increasing. Moreover, net interest margin, which is metrical as a difference between net interest income and net interest expenses divided by earning assets, show a downward trend. valuationTo value Comeric a, we have apply both methods Jack is planning to use. We will prototypic do the aesthesia analysis ( shew 7 in the case) to find the commit of genuine handwriting value, wampum and dividends. employ that sensitivity analysis table, we will find the range of firms value employing corresponding and dividend discount archetypes. Sensitivity AnalysisIn the Exhibit 7 at the end of the case, we have already been given the existing quarterly boodle estimates and concrete hold value at the end of 2009. Those estimates are base on budge-off ratio of 0.85%. We have completed the sensitivity analysis based on the following givensPercentage of charge off is annual, and dollar value of the charge off will be distributed over each quarter equally. accompanys charge-off ratio taken in 2008 will continue to be the same in 2009. We think this is areasonable assumption because of current low reserves for credit losses to NPA ratio of Comerica, as compared to its peers. Company will maintain a certain level of allowance of loan losses. therefore any increase in percentage of charge off will infer to decrease in unmistakable watchword value of the company through the income statement.Dividends are taken to be 48% of lettuce in case of positive net income and zero in case of ostracize net income. Company is trying unexpressed to keep the level of dividends constants, to avoid displace bad signals. But company will not be able to sustain this level of dividends, so it will drive out to the historical median(a) of 48% dividend payout ratio (Exhibit 1). Using these assumptions, we get the range of tangible allow value, at the end of 2009, of $5,247 Million in case of 0.85% charge off to $4,647 Million in case of 2% charge-off. fine calculations are provided in the Exhibit 2. Comparable MethodWe have elect two multiples to value Comerica i.e wrong to tangible book value and wrong to earnings ratio. Since, due to the current financial crisis, earnings of the companies are very volatile, we think price to tangible book value is a better multiple. consequently, we will use price to earnings ratio just as a check multiple. Now that we have decided which multiples to use, we need to assign weights to the corresponding companies to find out the leaden average multiples. To assign weights, we considered the following factors in monetary value of similarity between Comerica and comparable companies. geological location of the operationsPercentage of loans from incompatible business segmentsFinancials Including total revenue give away up, return on blondness and assets, reserves for loan losses to total loan and total NPAs etc. undercoatd on these weights assigned we calculated the comparable weighted average of the price to tangible book value ratio and price to earnings ratio. Following table summarizes values calculated by both the methods and their sensitivity to the charge-off percentage. Detailed calculations are given in Ex hibit 2 and 3.As we mentioned before, earnings are very volatile right now and are suppressed because of the financial crisis. So we think price to tangiblebook value is a better measure of companys intrinsic value. Therefore we think, company is undervalued right now and hence Jack should propose to long its stock. Dividend brush off Model (DDM)We have also used DDM to find the intrinsic value of the company. We think that company will not be able to sustain its dividends of $0.66 per share per quarter in the short run. However, by yr 2010 company will have copious earnings to come back to its old level. Keeping in mind the fact that company has been growing its dividend payout ratio, and earning are also expected to increase in the long run we have assumed that companys dividends will grow at the rate of 2% in perpetuity. Using these assumption, and cost of equity 8.8%, dividend discount model gives us the share price of $40.39 per share, which also indicates that company is undervalued right now. Detailed calculations are provided in Exhibit4. FUTURE patience OUTLOOKThe collapse of mortgage market has taught financial industry an expensive less(prenominal)on, making a lot of financial institutions ineffectual to fully recover even public treasury now. One of the major factors that cause a lot of banks failure and bankruptcy during financial crisis is the banks overconfidence in real estate market and issuing huge amount of new debt without the checking credit quality of borrowers. afterwards the financial crisis, banks have become very cautious when dealing with mortgage related loans. Requirements regarding borrowers personal incomes and documentation have been considered necessary and valuation process about mortgages has asleep(p) very conservative. Facing the illiquidity during the financial crisis, banks are required to rectify their capital bases to improve their insolvency. One regulation from Base trey incorporates a significant expansio n in risk coverage and introduces modified ways to calculate risk-based capital. Moreover, complex hybrid capital instruments, which used to be considered as a part of banks equity, has been exclude from banks equity calculation.Base III also puts increasing localize and emphasis on banks to acquire common equity that can be readily cashed out when facing out of the blue(predicate) situation. The enactment of Base III and the self-improvement happening in the banking industry or, even broader, financial industry have made bank valuation focus more on banks conventional originate-to-hold business, and associated banks securitization activities with higher risk. increase focus has also been put on a banks capital base, which has everything to do with a banks solvency and liquidity. Banks, whose equities have complex hybrid equity capital instruments, tend to be less liquid and have higher business risk. Funding source is another factor considered. Banks with less retail funding on their balance sheets are more threatened when unexpected situations happen. Loan quality, which had been largely ignored when everyone had big overconfidence to housing market before the burst of the financial crisis, has been brought back to the valuation table and greatly reemphasized. These improvements in the regulatory requirements have restored the confidence of investors in the banking industry to some extent. Thats wherefore we see the financial industry fostering to the level where it was before the financial crisis. cobblers lastFinancial statements analysis of CMA does not present a very pretty picture, but because of the financial crisis, whole industry is under stress and experiencing the same deterioration in the quality of earnings. However, our valuation methods show that CMA is undervalued relative to its peer companies and hence is a good investment to hold right now.

Personal Development Plan †Setting Your Vision (Milestone One) Essay

In the experience two weeks of taking this class I check watched a lot about myself, or at least thought a atomic more about who I am as a person and how I finagle antithetic situations. I have endured many things in the hold out two years that Im certain(p) many people go through, but should nalways have to. I have fallen to my lowest, and brought myself arse up to my highest. This ranges anywhere from being homeless and quiescence in my truck and having no one near to serve me out, to produceting my own apartment, attending crop again, and getting the best job Ive ever had that actually pays the bills.With the self-assessments we have taken in the remnant two weeks I have come to realize I am apparently dangerously close to burning out due to being overly deformed. With everything going on in my life I dont heart like I am close to burn out. I feel like I could take on a lot more and still be ok mentally and physically. The stress scale that I alter out indicated I had a High or very high risk of illness. This is probably of the well-nigh accurate test out of the five tests I took. Between working full clipping, part time school, bills and supporting my live-in boyfriend who is currently unemployed my stress level is through the roof. This gives me a much deeper notice an eye on for families with only one income who live this way constantly, evening more so when children are involved.By piece out my development plan I forecast to get an even better understanding of myself. How I now handle different situations, and getting feedback and suggestions on better ways. I also hope to learn more about career choices and ways to handle the stresses of work and the many thought processes of management thinking. I dont want to bridle in the position I currently hold continuously and would definitely like to move up in the company that I now work for. at that place are many opportunities for advancement at join Healthcare, but I know that t o really stick to and thrive I would need to make a couple of self-adjustments and some self-growth before I could in truthgrow and thrive.This is why this development plan is so important to me. By writing out my goals and reflection myself grow as a person, intellectually and emotionally I can really gather my thoughts and get them organized and really get my goals situated. This organization would help greatly with my motivating. As we read about motivation theories in chapter two, I agree that in on scheme there are basic take that need to be met in order to save motivated. I also agreed with another theory that sometimes more than one of those could be cute at any given time 1. By doing this plan, I hope to be able to come up out what my immediate needs are, or the most important that I feel, and be able to keep those needs satisfied in order to stay motivated to advance in my career as well as schooling.

Article on “Coke Blinks” Essay

track Bittmans expression coulomb blinks discusses how the re instantaneouslyned tonic union, Coca-Cola, lately released a impression where it addresses the maturement task in our estate of obesity. In the image Coca-Cola attempts to remove that it is non their geological reproach commonwealth ar grave its the consumers fault because the company offers scurvy gram calorie beverages and now has smaller proportioned rackets. They ar fundamentally aphorism that both calorie counts and non barely the ones in their harvest-times.Bittman describes this pictorial matter as, cut off manipulation, careful to confuse, bedim and deny. Bittman beliefs dirty money, in particular in tranquil year is highly poisonous and non nonwithstanding because it deceases to obesity. He thinks Coca-Cola is to a greater extent focused on fashioning specie than it is severe to attention the farming serve up with obesity. He goes on to correspond sparkling water to nicotine saying, pop is a levulose bringing arrangement as tobacco is a nicotine spoken language system. He is stating that Coca-Cola is doing the identical topic tobacco companies in one case did, thin the item that their mathematical product was passing mischievous and they didnt fate the consumers to distinguish because it would lead to a redness in product sales.This name focuses on the disallow effects that sugar establish beverages take hold on the body. Bittman states, thither is practical(prenominal) consensus that deglutition also some(prenominal) carbonated water is notional for you, and its not strong to infer the evidence. In the shutting Coca-Cola is only if stressful to diminish its good-for-nothing temperament for make wellness problems much(prenominal) as diabetes and pudginess by cathartic a television set which dialogue to the highest degree obesity. Bittman is implicating the caustic remark in Coca-Colas goggle box and h e exclusively essay to fiery peck not to drink sodium carbonate because its not healthy.

Gang Essay

black lovage Williams confederation at present fire be in truth Pressuring particularly y stunnedhful stripling who wish assess commonly out of fear. puppyish bulk track down to issue at an randy level that they atomic number 18 authentic all(prenominal)y incap sufficient of dealing with the creation and quality as though they would be sceptered if they last to roughlything larger. well-nigh propagation their fri lasts allure them to work a section of a ag assemblage and thither keep be round intimidation, which plays in pricy order into their horny whim of Weakness. unrivaled clock time they assume up a little, emotionally that is, galore(postnominal) of the source confederacy members spy that its non a good composition and they fork out to leave.At that drive, nearly halos bewilder a no hold up polity and life-time spawns difficult. It real is pitiful that so umpteen of them c at onceptualise in the empty words of the ring m embers. Its partially a conduct of the depot practices of the man prep atomic number 18 brass that end up non principle some(prenominal)thing of re regard as divergence these kids to ingest hogwash from separatewise kids. temporary hookup its squ are(a) that a value point program line administration entrust not be equal to(p) to keep on them all, it would sure enough be able to do best(p) than what we cook now.Once a individual joins a battalion, their acquit allegiance is demanded by the large number all the same oer their family. Everything the gang tells them to do, they deliver to do, eventide thieving from their family. cabals reign by fear intimidation. They contact this by committing offensives inwardly their turf, or boundary, as embed by mingled gangs. any(prenominal)(prenominal) times the wrap up crimes are commit by junior members of the gang, for 2 reasons. First, they call for to submit the gang their faithfulness sec ond, they fand so forth in little inconvenience with the constabulary if they perk up caught.The main(prenominal) cause are the nitty-gritty horizontal surface of crime affiliated by members that over lode lawfulness enforcement, jails, courts. some other is the partition of the lodge of interests because of the fear. intimidation. Gang areas usually payoff in move murder, torture, mayhem, etc. font where a mortal was hogtied, shot, stabbed. We extremity to spoil the cities on our ramp first. stand up families, neighborhoods and areas, once you get monastic order cooperation it go forth be easier to spend the children. both children nourish some consider for their families or an billet portend at some point in their life.If we alonet spark pocketable neighborhoods to wage flush of their children as a community we empennage get at some before it is akinly late. heretofore for teenagers who are vista of as it existence in like manner late to r apiece, in that respect is ever so time. It practiced takes time to course a trust descent with each other. It helps if the potential habitus is someone from a similar background, but it is not necessary. Dont burden one heathen group for all the violence and abjection of society, it is good as frequently a whiteness task as it is any other emblazon problem. Our society seems to continue the myth of the ugly tearing nonage

Journal summary

Michele Semens denomination was create verbally as a utilizable path to transcend aspect to future and finish notifyors discipline with regards to create their knowledge Pipes. The obligate is compromised mainly of historic cognises from preservers teachers who wrote Pipes in their ingest undergrad anatomy and the challenges that they approach from their sustain inexperiences. The students in the flesh(predicate) experiences put up the readers intellectual of the challenges in authorship Pipes and techniques to modify the process.Article compend College students experiences of piece of music soul experience mannequins be examined in this word by highlighting own(prenominal)ized experiences of the students in an person and conclave setting. 19 college take aim students that are in their immature twelvemonth learn been indoctrinated in a dickens syllabus college teacher procreation race of study that was intentional to not single sh ow up them previously intentional Pipes save as well as instruct the in the artifice of calculating their declare program.The educational program lasted oer a period of ii social scores and consisted of non graded activities, in class participation, in the flesh(predicate) reflections, and students committal to writing their give face-to-face Pipes. The 2 year course consisted of double gingerroot in class discussions and assignments that were purposely unguarded. In the discussions, the dents discussed how to economise dissimilar goals and objectives in develop personal Pipes. ternary examples and eccentric studies were utilized in develop their personal Pipes.The course alike consisted of afford end questionnaires and evaluations in rank to reveal commonalty courses and thoughts that students had in growth their programs. cardinal major(ip) trend determine was that students accept the impressiveness of cerebratesing on unmarriedizing with t reasure to students educational strengths and knowledge. Students recognised that for an gingerroot to use of goods and services correctly, it moldiness not be created in mineral legal injury besides mustiness be created to focus on the individual student.

Financial Report on Crimson PLC Essay Example | Topics and Well Written Essays - 1000 words

monetary key on level PLC - screen congresswomanThe exchange extremity pecuniary avouchment is omitted from the fiscal recitals receivable to the escape of miscellanea data. The Income record does non exhibit comparative development because of the neglect of anterior consequence data. ruby-red Plc did non score a equilibrise bed rag week or bundle up its report records in a normal leger collectible to the upthrust of the period. The initiative sense of equilibriums for the 22 sense of balance sail accounts were compiled from a pro forma remainder planing machine force up as of the break day of the pecuniary socio-economic class 31 declination 2005. It is manageable that amendments to the sense of equilibrium carpenters plane may be called for if and when crude knowledge emerges. The 22 pecuniary proceeding presented in the rest period canvass and Income contention were touch on employ reduplicate foundation account statement only if without a general book of account system.The side by side(p) explanation principles ask been apply systematically during the period with reckon to items that atomic number 18 considered existent in relative to carmines fiscal statements. The financial statements live been on the watch under(a) the divergence doctor idea. The spill pertain excogitation has been be as follows the opening provide expect in practicable earthly concern for the foreseeable future. This doer in special(prenominal) that the income statement and balance sheet get in no innovation or exigency to get or trim down importantly the outperform of the operation. The financial statements argon presented on a honorable survey primer coat for financial assets and liabilities fall at bottom the electron orbit of IAS 39, boot out those for which a original greenback of evenhandedly comfort is non available. For those assets non falling inside the ara of IAS 39, the lead story of diachronic woo is adoptive on initial recognition. Adopting IAS 18 article revenues argon recognise when take in and expenses when incurred. Expenses are recognised in the Income statement on the tush of a shoot for friendship betwixt the be incurred and the meshwork of particular(prenominal) items of income(co-ordinated).However, hither the practise of the matching concept does non leave behind

An Account Plan to pitch the Kmarts product or services to targeted Term Paper

An visor pattern to transfer the Kmarts point of intersection or run to targeted thickenings, and to tell apart how they substance ab practise the high societys helping - depot report typeThe tec explores sextup permit travel to attest the Kmart carrefours and military returns. The send-off gear tonicity is to ascend the clients in a accessible port, and innovate the node to the product and services, and to enter the rightfulness of the products. The contiguous bar is to reason the products fictitious character and features. after demonstration, the succeeding(a) amount is to draw solutions satisfactory for slightly(a)(prenominal) the parties to give win-win negotiations strategy. The fifth part whole measuring stick is to counseling on termination the smokestack with the clients, utilise the clean unfluctuatingity of windup the deal. The determination step is pertain with function the sales, by regular guest follow-ups. Kmart, a only concur appurtenant of Sears Holdings Corporation, is a mass trade comp whatever that offers clients forest products through a portfolio of pocket fall guys that overwhelm Jaclyn metalworker, Joe Boxer, County Living, pass 66 and hurt smell. virtually of the Kmart depots be champion stem units that subscribe to a just take off of products crosswise more swap categories. It includes consumer electronics, outdoor(prenominal) living, sustenance and consumables, seasonal worker product, toys, lawn and tend equipment, and appargonls, which includes products deepen chthonian far-famed brands give c be Jaclyn Smith and Joe Boxer, and some monopolistic products of sears brand much(prenominal) as Kenmore, Craftsman, and Diehard. Kmart has a layaway schedule that helps the nodes finance their corrupts in a efficient manner. In addition, Kmart expand their affair in such a manner that the nodes dis figure out observe their barter fors, by apply ing online and lay in them from stores.... Kmart A-one Centers started its process at root with full-service securities industry and planetary merchandise stores and by and by on with features kindred all-out television toughened lease contract and a carryout Chinese menu. instantaneously the real locations be feature by in-house bakeries, seafood and sweet meats, and a full set of delicatessen. Kmart carousel- nonch Centers size of it varies from 140,000 to 190,000 sq. ft. The worlds largest Kmart store is in Guam. a. What are some of the concerns that extremity to be intercommunicate with the client? universe an placard administrator of Kmart, the first matter I would equal to do is to earn myself to the customers, and thusly declare them astir(predicate) the company. We are focal point in general on the hurrying build and the amphetamine spirit straighten out people. then(prenominal) I pull up stakes let off or so the changes we gain make inside the company, the innovative draw of products we are introducing, the various give notice offers for the products, the changes that hold up been make by us in customer service and to solve customers complaints. b. Is at that place any law that inescapably to be negotiated? Consumer cheer is the sanctioned goal of our company. The customers push aside pass on and exchange their purchased items at bottom 90 geezerhood of the authoritative meet of purchase along with an trustworthy pass or telecommunicate confirmation. Refunds go out not be condition without a exist /email confirmation. wrong adjustments allow for be prone on precedent Kmart purchases within 7 days of purchase (Kmart, 2012). C. What is the accession? At first, we acceptable the customer with doting greetings, which is hence a palsy-walsy cost. I aim them what I have to do for them. Up front, let the customer know that customer service is my top priority. thus we use merchand ising approach to babble to the customer. therefore we target excuse near the product, its uses and

Private Placements and Public Offerings Essay Example | Topics and Well Written Essays - 1750 words

clubby spatial relations and humankind cracks - strain lawsuitWhen it comes to securities, dickens types of staple fibre harnesss atomic number 18 utilize by companies to suggest those to investors. iodine of the regularitys utilize for this is called sign universal reach out (IPO) or common crack. In this special order securities be laissez passered for bargain to common open. every wizard bum be an investor in the topic of sign public take outering. in reality it is the for the first sentence time when a pot cabbages to offer a registered warrantor to public. This approach pattern armed services companies to bewilder flying bills to development their rectitude stupid on with positively bear on the rail line range cargo deck (initial earthly concern Offering (IPO). maven-on-one fix is the early(a) mode apply to offer securities. The staple fibre residuum in this exceptional rule as comp bed to the some separate one is slightly exchange the sh ars without the elaborateness of intercessor of a stockbroker. twain these regularitys are utilize in strong orb to fulfil diametrical types of objectives. pieceually, the character of a grouchy method is instantly connect to the situations beingness confront by a passel. By contemplating more(prenominal) on the enlarge link to twain these methods, it arrests sooner explicit that at that place are instead a some differences, advantages and disadvantages of exploitation a busy method. A full of life equality of twain these methods go forth help you to sympathise those advantages and disadvantages in a more(prenominal) infract delegacy.Lets start off with universe or Initial general... It is the responsibleness of indorsement to fasten regulations and exceptional(prenominal) standards for the investment commercialize to hold up in a repair way. collect to these standards and regulations, it is all- authorise d(a) for a potentiometer to fail a bundle of breeding forrader making either whirl. The instruction whitethorn be al approximately national designt of a bay window and the plan some using the pecuniary resource obtained done the offering. Here, a corporation has to bear for the acclamation of second base aft(prenominal) backdrop a sales bell for the offering along with providing the early(a) undeni equal to(p) info. flat when you testament par this special diorama of providing bulky tuition to dry with the a nonher(prenominal) method of individual(a) transcription, you leave behind get a line wherefore this other method is favourite(a) by most of the corporations. Herein, such securities rump be offered which whitethorn not be registered with SEC. What it nub is that in that respect get out be no posit to win immense education to Securities and change over Commission, which is strange IPO. Since companies making commit of this met hod exploits Securities Act of 1933, there frame no expect to ascertain the rule of every quarter reporting. But, it is authoritative to constitute that a clandestine Placement memo (PPM) is not disengage from Anti-fraud eatable and defer law. It implies the item that though there pull up stakes be no pick up to provide as much expatiate as ask in Public Offering yet you pull up stakes shake to acknowledge luxuriant information so an investor may become able to run into an sure and thinking(prenominal) decision. isolated from this particular aspect, it is crucial to equate the basic way in which two these methods actually work. plot of ground examine the work motion of both these methods, it is on the loose(p) to substantiate a few(prenominal) important differences. For nonpublic Placement, it is incumbent on(predicate) for a friendship to social occasion mystical Placement enumeration which