The development of new reproductive technologies Essay Example for Free

The advancement of new regenerative innovations Essay Clarify a portion of the strict and good issues applicable to the advancement of new regenerative innovations. [35] The advancement of new conceptive advances have altered the manner in which society sees barrenness. In any case, many article to strategies, for example, IVF, cloning, ICSI and PGD for good and strict reasons. In analyzing these issues, a decent spot to begin is IVF. IVF †in vitro treatment †is one of the most generally utilized conceptive innovations. This strategy sidesteps the requirement for intercourse to consider; undeveloped organisms are rather made in a lab and embedded into a mother. It can either utilize gametes from two guardians, or on account of a gay couple a portion of the material will be given. From a human-rights point of view everybody has the privilege to a family life, which some decipher to mean a privilege to IVF. Notwithstanding, even from an absolutely common perspective there are good issues with IVF. For instance, the new ICSI technique sidesteps huge numbers of the bodys regular resistances for getting rid of unfit sperm and in this manner the kid is at a higher danger of hereditary variations from the norm. Furthermore, a few women's activists see regenerative innovation with doubt. Women's activists allude to a 'master natalist belief system predominant in Western culture, whereby ladies are urged to accept that their satisfaction and joy relies on their having the option to hold up under kids. They dread ladies might be constrained into IVF. The fundamental issue that Christians would have with IVF is that numerous incipient organisms are made and afterward wrecked. More undeveloped organisms are delivered so as to build the odds of fruitful implantation, however in the UK you can't utilize multiple incipient organisms per IVF cycle. This makes save undeveloped organisms that are disposed of, tested upon or solidified for sometime in the future. Most of Christians accept that life and personhood are interlaced, and both start at origination. Christians put stock in the holiness of life, implying that all human life is made in God’s picture and has inherent worth. The most significant refrain they go to is a piece of the Decalogue: â€Å"do not kill.† Moreover, Psalm 139 says, â€Å"you weave me together in my mother’s womb.† Therefore the disposing of extra undeveloped organisms is murder of a blameless life. Similarly as with any issue, denominational feelings vary. The Roman Catholic Church guards customary family structures and view IVF as unnatural. They distributed a record in 1987called Respect for Human Life in its Origin and the Dignity of Procreation. This underscored the standards concerning the holiness of life set down a lot before in the Papal Encyclical, Humanae Vitae of 1968. In outline it asserted that kids were a blessing from God and not an item, and the best possible spot for kids is inside marriage. The congregation has communicated fears that IVF trivializes intercourse. Protestant holy places will in general take a progressively permissive view. For instance, the Free Presbyterian Church acknowledges IVF given that the couple are hitched, save incipient organisms are not made and no benefactors are utilized. Both the Methodist Church and the Church of England are very positive pretty much all types of IVF and even grant look into on save incipient organisms as long as 14 days old since it tends to be of incredible assistance to specialists inquiring about hereditary illnesses, despite the fact that undeveloped organisms ought not be made exclusively for this reason. Other progressively uncommon types of regenerative innovation represent a more concerning issue for the houses of worship. The effective cloning of Dolly the Sheep opened up a discussion on the capability of human cloning and guardian angel kin. Conceptive cloning would debase uniqueness and result in antagonistic mental impacts in the cloned individual. Cloned creatures will in general have a shorter life expectancy and there is a certified dread that a sub-class of people could be delivered all together for their organs to be gathered. This commodification of life seems like sci-fi, yet as indicated by Paul Ramsey it is a genuine danger. Cloning additionally expels the requirement for a male. On account of Dolly, she had three ‘mothers’: one gave the egg, another the DNA and a third conveyed the cloned incipient organism to term. The incipient organism was given an electric stun so as to start the division procedure. For Christians this disturbs God’s structure for propagation and parenthood. The main type of cloning that a few houses of worship would allow is helpful cloning, when a person’s undeveloped cells can be utilized to deliver organs that are a definite match. Mary Seller, an individual from the Church of Englands Board of Social Responsibility, states, Cloning, similar to all science, must be utilized mindfully. Cloning people isn't desirable.† Besides, another key type of conceptive innovation is PGD pre-implantation hereditary determination. This procedure can take out hereditary ailments by determination (negative treatment) and can likewise adjust the qualities to ‘improve’ an incipient organism (positive treatment). It very well may be utilized to forestall languishing over both the youngster and guardians. Moral articles are raised on the grounds that, much the same as IVF, negative treatment includes preparing a few undeveloped organisms with the expectation of devastating those with the illness. This is dehumanizing to handicapped individuals, since it proposes that society would be in an ideal situation without them. Positive treatment takes it to another level, and could bring about a class of people that are hereditarily altered for most extreme wellbeing, knowledge and appearance. This decimates independence and Christians allude to it as, â€Å"playing God.† According to the Free Presbyteria n Church, â€Å"remember that each time cells are gathered for the treatment of somebody who is wiped out, another and sacrosanct life is unfeelingly ended.† Proceeding onward, regenerative innovation can be assessed by conventional moral standards. Beginning with Utilitarianism, Patrick Steptoe is cited as expressing that It is a reality that there is a natural want to reproduce.† If this is the situation, at that point the most extreme measure of satisfaction for the best measure of individuals will be accomplished in the event that they can duplicate, regardless of whether they need IVF or different intercessions. Since effective IVF treatment will bring a huge measure of joy utilitarians are in concurrence with such medicines. On account of a barren couple the utilitarian will take a gander at the choices accessible and endeavor towards to objective of origination. In like manner, if PGD and cloning can help reduce human enduring it will be upheld by utilitarians. Circumstance morals bases the profound quality of an activity on the conditions that encompass it. The main fundamental rule is that we ought to consistently pick the most adoring strategy, and there is no supreme profound quality. Regardless of whether a fruitless couple ought to approach IVF depends totally on their individual circumstance. Normal law, then again, isn't so tolerating. It is like the view the Roman Catholic Church takes. IVF and different advances are unnatural and in this manner indecent. Some condemn this hypothesis since they guarantee that it is not any more unnatural then the incalculable different types of human mediation, for example, when we have an activity. At last, conceptive innovation makes us reconsider our perspectives on family, marriage, sex and what makes a mother. Notwithstanding their perspectives, Christians ought to be merciful towards those experiencing the impacts of barrenness. You can't comprehend their circumstance except if you have encountered it by and by.

20 Tourism Research Paper Topics and Ideas

20 Tourism Research Paper Topics and Ideas These days, the travel industry seems, by all accounts, to be one of the most creating sciences to research and study. Throughout the most recent decades, the industry of movement and the travel industry has advanced essentially, expanding its pace of normal improvement step by step. Likewise, it shows guarantee for the development in the closest future also, giving the current expert and vocation areas inside the control with significant potential. Consequently, today, the travel industry incorporates travel for business, travel for joy, visiting and its hypothetical and reasonable standards, and business identified with sightseers, their drawing in and engaging. Additionally, the travel industry has a direct connection to the matter of creating and working different visits and visitor courses, including both nearby and global regions. In this manner, you may locate an incredible number of the travel industry examine paper points and thoughts to lead inquire about. To locate a spellbinding point and form it into an instructive and significant the travel industry investigate paper, you may peruse related research papers and other abstract works, glance through particular diaries, and visit libraries. On the off chance that there are a few guidelines for picking a travel industry look into paper subject gave by the teacher, it is important to tail them carefully. Also, a few teachers furnish their understudies with a rundown of themes to look over. Along these lines, you should peruse this rundown mindfully and get the most dazzling subject to inquire about. Theme and Ideas for Tourism Research Paper Beneath you can discover instances of subjects for Tourism Research Paper: 1. Hypothetical and Methodological Signs of Progress in Social Media and Their Influence on Tourism These days, internet based life impacts global society. An incredible assortment of utilizations and related projects showed up as of late and altered the methods of leading the travel industry business as an ever increasing number of individuals pick a goal point web based, establishing on the data gave by various individuals via web-based networking media stages. In addition, individuals can associate web based, making huge gatherings and travel together, after the courses of the expert voyagers gave on various web assets. Along these lines, trip reports, posts on voyaging, or individual audits affect the travel industry by and large. Consequently, it is conceivable to express that web based life assumes a significant job in the improvement of hypothetical and methodological procedures in various circles identified with residential and universal the travel industry that likewise incorporate the travel industry conduct and collaboration among neighborhood and global markets. The exa mination on the point might be founded on a scope of past research papers, late investigations, and related factual realities. 2. Pony Tourism in the USA An incredible assortment of recreational exercises remembers correspondence with creatures and ponies for specific. In this manner, correspondence with ponies causes individuals to improve their enthusiastic prosperity and acquire another positive experience of open air amusement. Accordingly, horse the travel industry is one of the creating circles that incorporate the administration of visitors, different host exercises, and improvement of nearby homesteads. What's more, you may look into related vacationer organizations on the domain of the nation and their monetary and social effect on the nearby networks. 3. Enterprise and Its Development in a Sphere of Tourism Since enterprise is related with critical chances, advancements, and acknowledgment, the subject of organizations personal conduct standards in the travel industry gives a great deal of spellbinding raw numbers to investigate and assess. Today, business enterprise in the travel industry has a clear connection to social issues and their answers, presenting significant advancements, and opening new financial viewpoints to various districts. Accordingly, you may ground your examination on business enterprise standards of conduct in the travel industry and different circles and assess the impact of the enterprise on the improvement of neighborhood networks, furnishing the crowd with the steady realities and bits of proof. 4. Natural life Activities in Tourism Natural life exercises become increasingly more well known among voyagers from all around the world. Individuals like to be in contact with the indigenous habitat and find new wonderful spots. What is fascinating, the most well known of these exercises are angling and chasing. Since these exercises will in general create, they give significant ground to the travel industry inquire about paper. To direct great research, you may utilize measurable realities, talk about famous natural life exercises and programs, and assess their impact on the travel industry in the area. 5. Nordic Tourism and Its Distinctive Features Nordic the travel industry is a unique classification of the travel industry famous among individuals who love nature and are not terrified of extraordinary climate conditions. Nordic the travel industry is totally unique in relation to the travel industry in sumptuous lodgings, furnishing individuals with the chance to concentrate more on the dynamic rest. Therefore, in this examination paper, you may talk about and assess likenesses and one of a kind highlights of Nordic the travel industry to the travel industry in Europe or Asia and furnish analogies with the advancement of the travel industry in different nations, which are well known among voyagers. 6. Legacy Tourism in Europe In this examination paper, you may assess the improvement of legacy the travel industry in various European nations. Without a doubt, it is critical to talk about the most alluring spots for legacy the travel industry in these nations and assess the effect of this kind of the travel industry on the monetary and social circles inside these regions. The point of this paper might be to maintain the attention on the stylish element of legacy the travel industry and find some potential connections among aesthetical and commitment parts of the specific authentic spots. 7. The Development of Sustainable Tourism Supportable the travel industry has been creating at a quick pace, drawing in an ever increasing number of sightseers to take part in it. Mindful thought spoke to by related the travel industry organizations towards the regular habitat fulfills the need for natural the travel industry, permitting individuals to assess difficulties brought about by noteworthy atmosphere changes. Along these lines, in this exploration paper, you may talk about interest points of view on economical the travel industry and give a hypothetical and viable assessment of its commitments to the nearby and worldwide networks. 8. Wild Tourism and Its Influence on the Economy of Different Regions Wild regions pull in an incredible assortment of visitors and help to create residential the travel industry in numerous areas. Since the progression of vacationer affects the improvement of the economy of these areas, this theme is extraordinary for a travel industry look into paper. By directing this exploration, you may concentrate on the supportability of this sort of the travel industry, the executives of the wild domains, and the impact of the wild the travel industry on the improvement of specific locales. 9. Serious Features in Tourism In this exploration paper, you may talk about the primary patterns of the seriousness in the travel industry and assess the related issues. Today, the travel industry organizations present an ever increasing number of new ways to deal with pull in customers from everywhere throughout the world, grow new courses, and abatement head out expenses to the least conceivable level. Along these lines, the fundamental serious highlights are an association with specialists, enhancement of the sites and related online journals, and impressive interests in ads and video promoting. The data for this examination paper might be found in specific books and diary articles. 10. Wellbeing Tourism, Its Development, and Current Trends In this exploration paper, you may examine the fast development of private wellbeing networks, clinical the travel industry in Asian nations, world norms of care and neighborliness, and their impact on the improvement on the wellbeing the travel industry by and large. In addition, it is imperative to talk about the fast development and improvement of the most recent clinical advances and their impact on the advancement of wellbeing the travel industry specifically nations. 11. Patterns in the Tourism Sector in Asian Countries Since Asian nations are renowned for their inclination and various attractions, they are as yet mainstream among vacationers from everywhere throughout the world. Thusly, you may look into monetary chances of various Asian locales and their connection to the progression of voyagers and assess future extension in movements. All the important data might be found in particular financial and the travel industry diaries and books. 12. Nature of Hotels as the Most Decisive Factor in Attracting Tourists in the United Kingdom In this paper, you may examine the nature of lodgings as one of the most persuasive factors on the advancement of the travel industry in various districts of the UK. To direct this examination, it is important to gather the related data throughout the previous quite a long while, assess it completely, and make an end upheld with raw numbers taken from legitimate reports and concentrated articles. 13. Ecological Factors That Influence Tourist Decisions This theme requires the analyst to examine such ecological elements that impact visitor choices as regular assets, indigenous habitat, settings for relaxations and sports exercises, and general and steady foundations. Likewise, it is imperative to assess such factors as social condition and the travel industry administrations, and offices as they give off an impression of being definitive for countless vacationers from various nations. 14. Ecotourism and Its Advantages to the Local Businesses Ecotourism has been grown quickly for ongoing years. In view of the fast development, it gives huge financial chances to the nearby organizations, along these lines, drawing in speculations, expanding the progression of voyagers, and furnishing individuals with employments. Moreover, ecotourism permits neighborhood organizations to build up their creation of eco items and improve steady framework. A great deal o

Ending Your Essay the Natural Way - Using A Conclusion Sample For Third Person Essay Writing

Ending Your Essay the Natural Way - Using A Conclusion Sample For Third Person Essay WritingThe use of conclusion samples for third person essay writing is a fine method to show the reader what you intend for the ending of your essay. You may not use them in your short essay, but when you want to get a point across, they are sure to impress the reader. How?When the reader reads your essay, the beginning and the end don't work well together. They don't work well together because you cannot write an ending if the beginning has no sense. With a conclusion sample for third person essay writing, you are able to use one of the most powerful tools for the end of your essay.A first sentence could be powerful if it connects the writer creates the feelings that he wants to express with his paragraph. It does not matter whether the feelings are personal or some abstract or sometimes something more concrete like fear or love.When you have written the first sentence, the rest of the paragraphs ca n be put into the feeling you created in the beginning. When you turn to the conclusion sample for third person essay writing, you are creating your own feelings or emotions about the subject at hand and presenting it to the reader.There are many reasons to use a conclusion sample for third person essay writing. Some writers don't know how to end an essay and just try to explain everything they have to say. In this case, the ending is done for you just have to place it in the appropriate paragraph in your essay.Another writer knows how to make a closing and the opening do work together, but he needs the main point to set up the conclusion so that it becomes a part of the whole essay. This requires you to use a summary of your essay, showing that you've said what you needed to say and concluded the purpose of your essay. The summary is simply a summary of your essay that will provide the reader a little bit of understanding. If you really want to close your essay, the use of a summar y is an excellent way to make the most of the ending.

Ethical Issues Of A Group Counseling Session - 2301 Words

This research paper will explore the various ethical issues that arise during a group counseling session. There are certain ethical standards that a counselor should uphold in group counseling session, from the initial stages of forming a group, to the working stage of a counseling group, a group leader should uphold definitive ethical moral codes. This paper will also enlighten the various ways that a group counselor should act in the midst of conflict as well as confidentiality within the group. Later we will conclude the reasons why a counselor would choose group counseling settings over individual counseling. The topics listed above will be addressed in the research paper to follow.Ethics in Groups Group counseling consist of a psychiatric care in which several patients meet together with one or more therapist at a time. Every group might have a different topic that they want to address to the group but the reason for joining together is the same. They all wish and hope for perso nal growth (Jacobs, Masson, Harvill, Schimmel, 2012). Jacobs (2012) makes a distinct depiction of the financial issue that individual counseling can create. â€Å"Although there is still a in a community agency for individual counseling, limiting the delivery of services to this model is no longer practical, especially in these tight financial times. Not only do groups let practitioners work with more clients, but the group process is a unique l earning advantages†(Jacobs, 2012, p.3). ETHICS INShow MoreRelatedEthical Issues Unique For Group Therapy And Individual Counseling921 Words   |  4 PagesEthical Issues Unique to Group Therapy and Individual Counseling Clients and therapists now have the options between individual and group counseling as methods to help to work through life changes and cope with issues in relationships, addictions, feelings, grief, stress and many others. 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Thesis Statement In Hursts Short Story The Scarlet Ibis

The Scarlet Ibis James Hurst Part I Thesis Statement Thesis Statement In Hursts short story, The Scarlet Ibis, the narrator emerges from a arrogant, self-indulgent individual to an affectionate, knowledgeable young adult by experiencing the trauma of losing his brother because of his own selfish desires. I began to weep, and the tear-blurred vision in red before me looked very familiar. Doodle! I screamed above the pounding storm, and threw my body to the earth above his. For a long, long time, it seemed forever, I lay there crying, sheltering my fallen scarlet ibis from the heresy of rain. (Page 354). Quote Quote It was bad enough having an invalid brother, but having one who possibly was not all there was unbearable, so I began†¦show more content†¦Because the story is told in first person, the audience experiences the narrators fluctuation from resentment to love through the diction used to show the narrators spite for his brother include invalid, unbearable, kill, and smothering which reveal an hostile tone by showing that he is still a young boy who is bewildered about his brother. The Diction in the second paragraph such as kindest reveals more of a lighthearted and affectionate tone that shows the narrator has changed into a more devoted brother. Because the author tells the story in first person, the diction used by the narrator - hopeless, miracle, pride, proud, wonderful, terrible, and life and death - allows the reader to perceive a reflective tone and that the narrator has attained the knowledge of the benefits and handicaps of pride which can be th e burden of life or death. (Page 347). (Page 345). his brother. Diction Example: Heresy The word heresy shows that the narrator has realized the reason Doodle died was because he let his pride triumph his love for his brother. The use of first person point of view allowed the reader to be a part and experience what the reader was going through and his thoughts and actions. When the narrator threw his body to the Earth above his the audience felt like

Operating Financial Performance A Company â€Myassignmenthelp.Com

Question: Discuss About The Operating Financial Performance A Company? Answer: Introduction Ratio analysis is a quantitative approach to analysing the financial performance of a company. The ratios are calculated from the financial statements including income statement, balance sheet and cash flow statement. Ratio analysis helps in identifying the operating and financial performance of a company for a specific period (Bajkowski, 1999) Ratio analysis helps in comparison between two companies and also helps in identifying trends in a company by comparing the year over year performance. In the report, a ratio analysis of Gelato industries has been conducted to evaluate its financial performance for the years 2014 and 2015 and also comparing the ratios with the industry standards. Ratio analysis The ratios categorized into profitability, liquidity, asset management efficiency and capital structure are presented below: Ratio 2015 2014 Industry Average Profitability Ratio Operating profit margin 10.5% 9.6% 10% Return on assets 11.7% 6.1% 11.4% Return on equity 30.3% 12.2% 9.5% Liquidity Ratio Current Ratio 0.9 1.8 2 Quick Ratio 0.2 0.8 0.8 Interest coverage ratio 4.62 3.15 3.8 Asset Management Efficiency Ratio Average collection period 18.5 days 29.7 days 37 days Inventory turnover 4.06 3.10 2.5 Total assets turnover 2.05 1.33 1.14 Fixed assets turnover 3.50 2.42 1.4 Capital Structure Ratio Debt ratio 47% 41% 58% Gelatos financial position at end of 2014 The companys profitability is a little low as compared to the industry average in 2014. The operating profit margin is near to industry standards but the return on assets is very low as compared to the industry. This means the company is not utilizing its assets efficiently to generate revenue. The return on equity is higher than the industry average. This means the wealth of the shareholders is growing. The liquidity is also very near to the industry average. The current ratio is a little below 2, the quick ratio is as good as the industry average and the interest coverage ratio is also very near to the industry average. The current ratio of more than 1 means that the company has more current assets than current liabilities and can easily pay for its current obligations. The quick ratio has decreased to 0.8 implying a lot of funds tied up in inventory. But this is ok as it is the nature of the industry in which the company operates. The interest coverage ratio also shows company has 4 times more operating profits to pay for its interest expenses. Thus the liquidity of the company is good. The asset management efficiency is also better than the industry standards. All ratios except average collection period are more than the industry average. The company is managing its inventory well with turnover of 3 which means inventory is rotated 3 times in a year to generate sales. The company is using its fixed assets and total assets efficiently as compared to the industry to generate sales. The overall efficiency of working capital management is good. The debt ratio is less than the industry standard which means the company is using less debt to finance its business operations and investment. This makes the company less risky and thus solvent. Gelatos capital structure ratio in 2015 The capital structure ratios in 2015 are as follows: Ratios 2015 EPS 1.72 Price-earnings ratio 8.72 Market to book ratio 1.07 Analysis of financial condition and Performance of Gelato Industries The profitability of the company has improved in 2015 as compared to 2014. The operating profit margin is as per the industry standards now as a result of increase in sales and the return on equity has improved drastically to 30% due to increase in net profits. The liquidity is very low in 2015 and is even below the industry standards. This is because the companys short term liabilities have increased due to short term debt and payables. The current ratio is below 1 which means the current assets are not sufficient to pay for the current liabilities. The quick ratio is at 0.2 which means the immediate liquidity is extremely low. The interest coverage ratio has improved due to increase in profit margins. The asset management efficiency has improved in 2015. All the turnovers are above the industry average. The average collection period has reduced to only 18 days which means a very good operating cycle. The company is managing its assets very efficiently to generate sales. The debt ra tio has also improved to 47% and is below the industry average which means the company has leveraged itself but to an extent that it remains solvent. Conclusion From the above we can conclude that Gelato Industries financial performance has been satisfactory and has improved in 2015 over the previous year. The companys performance in terms of profitability, asset management efficiency and capital structure stability is better as per the industry average. However, only the liquidity has become low in 2015 over 2014 and is below the industry standards. The company has lot of funds invested in inventory which makes its immediate liquidity low. Overall the company is performing well. Warren Buffet Warren Buffet is known as the Oracle of Omaha and he is the chairman of Berkshire Hathaway, an investment company based on Omaha, Nebraska (Bloomeberg). He is one of the most successful investors and made his first investment at the age of 11. He believes in giving most of his fortune to charity. He launched The Giving Pledge which encourages billionaires to donate their wealth in partnership with Bill Gates (Forbes). The total wealth of Warren Buffet was $75.5 billion as of February, 2017. He was awarded the U.S. Presidential Medal of Freedom in 2011. Investing Techniques by Warren Buffet According to Warren Buffet, an investor should invest in a company based on its intrinsic value and when the price is at its low. The risk can be reduced by holding a few shares rather than large number of them. 75% of Berkshire holdings are comprised of five securities (Hagstrom, 2005). He suggests a stock should be bought when the company is having a temporary problem leading to a decrease in price or when the stock market is declining. One of the best examples is that of Coca Cola. Warren Buffet bought the stocks of Coca Cola in 1988 when the company was a cash cow and its shares were trading at a discount as compared to its intrinsic value. Having considered the brand as one with great future prospects he bought stocks worth $1 billion and till date he has made great profits from it (Crippen, 2007). One should invest in stocks that they can understand. Like Warren Buffet never invested in tech companies as he did not understand how they made. According to him, it is not necessary to research 1000 of companies, rather search for the ones you can understand and invest in a few of them. One should study the company facts and look at its future outlook. One must invest in a company with a long term perspective and not for short term gains. Like Warren Buffet mentioned he purchased the shares of Wrigleys chewing gum because chewing gum will remain in the market for a very long time and no technology can replace it (Elkins, 2015). Warren Buffet also emphasises on investing on oneself which means investing in education. One should work towards improving their talents and make them more valuable (Kirkham, 2015). To sum up we can say Warren Buffet believes in long term investing of valuable stocks with high intrinsic value and the portfolio should comprise of only a few good stocks. References Bajkowski, J. (1999). Financial Ratio Analysis: Putting the Numbers to Work. AAII Journal. Bloomeberg. (n.d.). Warren Buffest: Overview. Retrieved September 10, 2017, from Bloomeberg: https://www.bloomberg.com/billionaires/profiles/warren-e-buffett/ Crippen, A. (2007, July 19). History Lesson: Warren Buffet's Crazy Coca Cola Bargain Buy. Retrieved September 11, 2017, from CNBC: https://www.cnbc.com/id/19851070 Elkins, K. (2015, June 24). How Warren Buffet Chooses a Great Stock in 4 Steps. Business Insider. Forbes. (n.d.). Warren Buffet. Retrieved September 10, 2017, from Forbes: https://www.forbes.com/profile/warren-buffett/ Hagstrom, R. (2005). The Warren Buffet Way. New Jersy: John Wiley Sons,Inc. Kirkham, E. (2015, December 16). 10 Best Money Tips From Warren Buffett of All Time. Retrieved September 11, 2017, from The Motley Fool: https://www.fool.com/investing/general/2015/12/16/10-best-money-tips-from-warren-buffett-of-all-time.asp

Strawberry Dna Lab Report free essay sample

Data Processing and Presentation: In this experiment we extracted DNA from two strawberries. First, we made a solution consisting of 450 ml of water, 50 ml of dish soap, and 1 tablespoon of salt and mixed it in a beaker. The solution was mostly clear, but a little frothy and yellow from the soap. Then, in a plastic bag we mashed two of our strawberries with 40 ml of our solution. It became a pink, foamy puree with a few chunks of strawberry. Next, we filtered our strawberry mix into a test tube. It filtered very slowly because our mixture was so thick. Never the less, we got enough to continue on. We finally measured out 5 ml of isopropyl alcohol and added it to our test tube. The end result was pretty fascinating. The red strawberry mixture mostly stayed under the clear isopropyl alcohol in two layers. Then, little translucent strands, the DNA, floated up into the alcohol from the strawberry mix. We will write a custom essay sample on Strawberry Dna Lab Report or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page There it froze in a clump. Conclusion and Evaluation: This was a very successful experiment for my group. We extracted a lot of DNA from the strawberries. I found it fascinating how the isopropyl alcohol separated from the strawberry mixture and the DNA floated u p into it. However, I’m not exactly clear on why the DNA did that. I think it would be fun to try this experiment on other types of fruit and see if it was possible to collect their DNA as well. Overall, this was an exciting experiment and I now have a more realistic idea of what plant DNA looks like.

Free Essays on T.S. Eliots “The Wasteland“ And Sept 11th

The events of September 11 have forever changed America and on a smaller scale, the way in which I view T.S. Eliot’s poem, â€Å"The Wasteland.† Suddenly, a seemingly dark and distant poem about death and destruction evokes images of everyday men and women leaping from buildings and running for their lives, and creates an unsettling feeling that it could have been us. The first section of â€Å"The Wasteland,† The Burial of the Dead connected to my feelings and thoughts of current events the most. Death, the most final result of all evils is expressed with little subtlety or compassion. The tone is sorrowful and helpless, just as many felt when the terrorists attacked. If it snowed in New York today, we may feel an unconscious relief of our worries, just as Eliot suggested. â€Å"Winter kept us warm, covering earth in forgetful snow,† (Line 5-6) as the snow blanketed the rubble and physical destruction, sheltering our eyes from the horrific images. We are chilled by fear now, and are reminded of our possible fate every time we see the remains of the World Trade Center. The paradoxical image of winter keeping us warm is actually not that implausible, as our hearts find time to heal from the tragedies that occurred. America’s struggle to relax, watch a movie, or listen to music are supported by Eliot’s form of relaxation, â€Å"we stopped†¦ and went on in the sunlight†¦ and drank coffee, and talked for an hour.† (Lines 9-11) His tone about those activities seems calm, and peaceful, and it can most likely be assumed that the conversation was enjoyable, why else would one talk to someone for an hour? Eliot reflects about more innocent and carefree days, â€Å"My cousin’s, he took me out on a sled, and I was frightened. He said, Marie, Marie, hold on tight. And down we went.† (Lines 14-16) The narrator seems to long for a time like this, just as I long for innocence and untroubled days. He imagines a time when his biggest fear was... Free Essays on T.S. Eliot's â€Å"The Wastelandâ€Å" And Sept 11th Free Essays on T.S. Eliot's â€Å"The Wastelandâ€Å" And Sept 11th The events of September 11 have forever changed America and on a smaller scale, the way in which I view T.S. Eliot’s poem, â€Å"The Wasteland.† Suddenly, a seemingly dark and distant poem about death and destruction evokes images of everyday men and women leaping from buildings and running for their lives, and creates an unsettling feeling that it could have been us. The first section of â€Å"The Wasteland,† The Burial of the Dead connected to my feelings and thoughts of current events the most. Death, the most final result of all evils is expressed with little subtlety or compassion. The tone is sorrowful and helpless, just as many felt when the terrorists attacked. If it snowed in New York today, we may feel an unconscious relief of our worries, just as Eliot suggested. â€Å"Winter kept us warm, covering earth in forgetful snow,† (Line 5-6) as the snow blanketed the rubble and physical destruction, sheltering our eyes from the horrific images. We are chilled by fear now, and are reminded of our possible fate every time we see the remains of the World Trade Center. The paradoxical image of winter keeping us warm is actually not that implausible, as our hearts find time to heal from the tragedies that occurred. America’s struggle to relax, watch a movie, or listen to music are supported by Eliot’s form of relaxation, â€Å"we stopped†¦ and went on in the sunlight†¦ and drank coffee, and talked for an hour.† (Lines 9-11) His tone about those activities seems calm, and peaceful, and it can most likely be assumed that the conversation was enjoyable, why else would one talk to someone for an hour? Eliot reflects about more innocent and carefree days, â€Å"My cousin’s, he took me out on a sled, and I was frightened. He said, Marie, Marie, hold on tight. And down we went.† (Lines 14-16) The narrator seems to long for a time like this, just as I long for innocence and untroubled days. He imagines a time when his biggest fear was...

Active Listening

* We listen to understand. * We listen for enjoyment. * We listen to learn. Given all this listening we do, you would think we’d be good at it! In fact most of us are not, and research suggests that we remember between 25 percent and 50 percent of what we hear. That means that when you talk to your boss, colleagues, customers or spouse for 10 minutes, they pay attention to less than half of the conversation. This is dismal! Turn it around and it reveals that when you are receiving directions or being presented with information, you aren’t hearing the whole message either. You hope the important parts are captured in your 25-50 percent, but what if they’re not? Clearly, listening is a skill that we can all benefit from improving. By becoming a better listener, you will improve your productivity, as well as your ability to influence, persuade and negotiate. What’s more, you’ll avoid conflict and misunderstandings. All of these are necessary for workplace success! Good communication skills require a high level of self-awareness. By understanding your personal style of communicating, you will go a long way towards creating good and lasting impressions with others. About Active Listening The way to become a better listener is to practice â€Å"active listening. † This is where you make a conscious effort to hear not only the words that another person is saying but, more importantly, try to understand the complete message being sent. In order to do this you must pay attention to the other person very carefully. You cannot allow yourself to become distracted by whatever else may be going on around you, or by forming counter arguments that you’ll make when the other person stops speaking. Nor can you allow yourself to get bored, and lose focus on what the other person is saying. All of these contribute to a lack of listening and understanding. If you’re finding it particularly difficult to concentrate on what someone is saying, try repeating their words mentally as they say them – this will reinforce their message and help you stay focused. To enhance your listening skills, you need to let the other person know that you are listening to what he or she is saying. To understand the importance of this, ask yourself if you’ve ever been engaged in a conversation when you wondered if the other person was listening to what you were saying. You wonder if your message is getting across, or if it’s even worthwhile continuing to speak. It feels like talking to a brick wall and it’s something you want to avoid. Acknowledgement can be something as simple as a nod of the head or a simple â€Å"uh huh. You aren’t necessarily agreeing with the person, you are simply indicating that you are listening. Using body language and other signs to acknowledge you are listening also reminds you to pay attention and not let your mind wander. You should also try to respond to the speaker in a way that will both encourage him or her to continue speaking, so that you can get the information if you need. While nodding and â€Å"uh huhing† says you’re interested, an occasional question or comment to recap what has been said communicates that you understand the message as well. Becoming an Active Listener There are five key elements of active listening. They all help you ensure that you hear the other person, and that the other person knows you are hearing what they say. 1. Pay Attention Give the speaker your undivided attention, and acknowledge the message. Recognize that non-verbal communication also â€Å"speaks† loudly. * Look at the speaker directly. * Put aside distracting thoughts. * Don’t mentally prepare a rebuttal! * Avoid being distracted by environmental factors. For example, side conversations. â€Å"Listen† to the speaker’s body language. 2. Show That You’re Listening Use your own body language and gestures to convey your attention. * Nod occasionally. * Smile and use other facial expressions. * Note your posture and make sure it is open and inviting. * Encourage the speaker to continue with small verbal comments like yes, and uh huh. 3. Provide Feedback Our personal filters, assumptions, judgments, and belie fs can distort what we hear. As a listener, your role is to understand what is being said. This may require you to reflect what is being said and ask questions. * Reflect what has been said by paraphrasing. â€Å"What I’m hearing is,† and â€Å"Sounds like you are saying,† are great ways to reflect back. * Ask questions to clarify certain points. â€Å"What do you mean when you say. † â€Å"Is this what you mean? † * Summarize the speaker’s comments periodically. If you find yourself responding emotionally to what someone said, say so, and ask for more information: â€Å"I may not be understanding you correctly, and I find myself taking what you said personally. What I thought you just said is XXX; is that what you meant? † 4. Defer Judgment Interrupting is a waste of time. It frustrates the speaker and limits full understanding of the message. * Allow the speaker to finish each point before asking questions. * Don’t interrupt with counter arguments. 5. Respond Appropriately Active listening is a model for respect and understanding. You are gaining information and perspective. You add nothing by attacking the speaker or otherwise putting him or her down. * Be candid, open, and honest in your response. Assert your opinions respectfully. Treat the other person in a way that you think he or she would want to be treated. Listening is the ability to accurately receive messages in the communication process. Listening is key to all effective communication, without the ability to listen effectively messages are easily misunderstood – communication breaks down and the sender of the message can easily become frustrated or irritated . Listening is so important that many top employers give regular listening skills training for their employees. This is not surprising when you consider that  good listening skills can lead to: better customer satisfaction, greater productivity with fewer mistakes, increased sharing of information that in turn can lead to more creative and innovative work. Good listening skills also have benefits in our personal lives, including: a greater number of friends and social networks, improved self-esteem and confidence, higher grades in academic work and increased health and wellbeing. Studies have shown that, whereas speaking raises blood pressure, listening brings it down. Listening is not the same as hearing. Hearing refers to the sounds that you hear, whereas listening requires more than that: it requires focus. Listening means paying attention not only to the story, but how it is told, the use of language and voice, and how the other person uses his or her body. In other words, it means being aware of both verbal and non-verbal messages. Your ability to listen effectively depends on the degree to which you perceive and understand these messages. â€Å"The most basic and powerful way to connect to another person is to listen. Just listen. Perhaps the most important thing we ever give each other is our attention. † Rachel Naomi Remen We spend a lot of our time listening Adults spend an average of 70% of their time engaged in some sort of communication, of this an average of 45% is spent listening compared to 30% speaking, 16% reading and 9% writing. (Adler, R. et al. 2001). 10 Principles of Listening A good listener will listen not only to what is being said, but also to what is left unsaid or only partially said. Listening involves observing body language and noticing inconsistencies between verbal and non-verbal messages. For example, if someone tells you that they are happy with their life but through gritted teeth or with tears filling their eyes, you should consider that the verbal and non-verbal messages are in conflict, they maybe don’t mean what they say. Listening requires you to concentrate and use your other senses in addition to simply hearing the words spoken. Listening is not the same as hearing and in order to listen effectively you need to use more than just your ears. 1. Stop Talking â€Å"If we were supposed to talk more than we listen, we would have two tongues and one ear. † Mark Twain. Don’t talk, listen. When somebody else is talking listen to what they are saying, do not interrupt, talk over them or finish their sentences for them. Stop, just listen. When the other person has finished talking you may need to clarify to ensure you have received their message accurately. 2. Prepare Yourself to Listen Relax. Focus on the speaker. Put other things out of mind. The human mind is easily distracted by other thoughts – what’s for lunch, what time do I need to leave to catch my train, is it going to rain – try to put other thoughts out of mind and concentrate on the messages that are being communicated. 3. Put the Speaker at Ease Help the speaker to feel free to speak. Remember their needs and concerns. Nod or use other gestures or words to encourage them to continue. Maintain eye contact but don’t stare – show you are listening and understanding what is being said. 4. Remove Distractions Focus on what is being said: don’t doodle, shuffle papers, look out the window, pick your fingernails or similar. Avoid unnecessary interruptions. These behaviours disrupt the listening process and send messages to the speaker that you are bored or distracted. 5. Empathize Try to understand the other person’s point of view. Look at issues from their perspective. Let go of preconceived ideas. By having an open mind we can more fully empathise with the speaker. If the speaker says something that you disagree with then wait and construct an argument to counter what is said but keep an open mind to the views and opinions of others. (See our page:  What is Empathy? ) 6. Be Patient A pause, even a long pause, does not necessarily mean that the speaker has finished. Be patient and let the speaker continue in their own time, sometimes it takes time to formulate what to say and how to say it. Never interrupt or finish a sentence for someone. 7. Avoid Personal Prejudice Try to be impartial. Don’t become irritated and don’t let the person’s habits or mannerisms distract you from what they are really saying. Everybody has a different way of speaking – some people are for example more nervous or shy than others, some have regional accents or make excessive arm movements, some people like to pace whilst talking – others like to sit still. Focus on what is being said and try to ignore styles of delivery. 8. Listen to the Tone Volume and tone both add to what someone is saying. A good speaker will use both volume and tone to their advantage to keep an audience attentive; everybody will use pitch, tone and volume of voice in certain situations – let these help you to understand the emphasis of what is being said. 9. Listen for Ideas – Not Just Words You need to get the whole picture, not just isolated bits and pieces. Maybe one of the most difficult aspects of listening is the ability to link together pieces of information to reveal the ideas of others. With proper concentration, letting go of distractions, and focus this becomes easier. 10. Wait and Watch for Non-Verbal Communication Gestures, facial expressions, and eye-movements can all be important. We don’t just listen with our ears but also with our eyes – watch and pick up the additional information being transmitted via non-verbal communication. Do not jump to conclusions about what you see and hear. You should always seek clarification to ensure that your understanding is correct. Active Listening * We listen to understand. * We listen for enjoyment. * We listen to learn. Given all this listening we do, you would think we’d be good at it! In fact most of us are not, and research suggests that we remember between 25 percent and 50 percent of what we hear. That means that when you talk to your boss, colleagues, customers or spouse for 10 minutes, they pay attention to less than half of the conversation. This is dismal! Turn it around and it reveals that when you are receiving directions or being presented with information, you aren’t hearing the whole message either. You hope the important parts are captured in your 25-50 percent, but what if they’re not? Clearly, listening is a skill that we can all benefit from improving. By becoming a better listener, you will improve your productivity, as well as your ability to influence, persuade and negotiate. What’s more, you’ll avoid conflict and misunderstandings. All of these are necessary for workplace success! Good communication skills require a high level of self-awareness. By understanding your personal style of communicating, you will go a long way towards creating good and lasting impressions with others. About Active Listening The way to become a better listener is to practice â€Å"active listening. † This is where you make a conscious effort to hear not only the words that another person is saying but, more importantly, try to understand the complete message being sent. In order to do this you must pay attention to the other person very carefully. You cannot allow yourself to become distracted by whatever else may be going on around you, or by forming counter arguments that you’ll make when the other person stops speaking. Nor can you allow yourself to get bored, and lose focus on what the other person is saying. All of these contribute to a lack of listening and understanding. If you’re finding it particularly difficult to concentrate on what someone is saying, try repeating their words mentally as they say them – this will reinforce their message and help you stay focused. To enhance your listening skills, you need to let the other person know that you are listening to what he or she is saying. To understand the importance of this, ask yourself if you’ve ever been engaged in a conversation when you wondered if the other person was listening to what you were saying. You wonder if your message is getting across, or if it’s even worthwhile continuing to speak. It feels like talking to a brick wall and it’s something you want to avoid. Acknowledgement can be something as simple as a nod of the head or a simple â€Å"uh huh. You aren’t necessarily agreeing with the person, you are simply indicating that you are listening. Using body language and other signs to acknowledge you are listening also reminds you to pay attention and not let your mind wander. You should also try to respond to the speaker in a way that will both encourage him or her to continue speaking, so that you can get the information if you need. While nodding and â€Å"uh huhing† says you’re interested, an occasional question or comment to recap what has been said communicates that you understand the message as well. Becoming an Active Listener There are five key elements of active listening. They all help you ensure that you hear the other person, and that the other person knows you are hearing what they say. 1. Pay Attention Give the speaker your undivided attention, and acknowledge the message. Recognize that non-verbal communication also â€Å"speaks† loudly. * Look at the speaker directly. * Put aside distracting thoughts. * Don’t mentally prepare a rebuttal! * Avoid being distracted by environmental factors. For example, side conversations. â€Å"Listen† to the speaker’s body language. 2. Show That You’re Listening Use your own body language and gestures to convey your attention. * Nod occasionally. * Smile and use other facial expressions. * Note your posture and make sure it is open and inviting. * Encourage the speaker to continue with small verbal comments like yes, and uh huh. 3. Provide Feedback Our personal filters, assumptions, judgments, and belie fs can distort what we hear. As a listener, your role is to understand what is being said. This may require you to reflect what is being said and ask questions. * Reflect what has been said by paraphrasing. â€Å"What I’m hearing is,† and â€Å"Sounds like you are saying,† are great ways to reflect back. * Ask questions to clarify certain points. â€Å"What do you mean when you say. † â€Å"Is this what you mean? † * Summarize the speaker’s comments periodically. If you find yourself responding emotionally to what someone said, say so, and ask for more information: â€Å"I may not be understanding you correctly, and I find myself taking what you said personally. What I thought you just said is XXX; is that what you meant? † 4. Defer Judgment Interrupting is a waste of time. It frustrates the speaker and limits full understanding of the message. * Allow the speaker to finish each point before asking questions. * Don’t interrupt with counter arguments. 5. Respond Appropriately Active listening is a model for respect and understanding. You are gaining information and perspective. You add nothing by attacking the speaker or otherwise putting him or her down. * Be candid, open, and honest in your response. Assert your opinions respectfully. Treat the other person in a way that you think he or she would want to be treated. Listening is the ability to accurately receive messages in the communication process. Listening is key to all effective communication, without the ability to listen effectively messages are easily misunderstood – communication breaks down and the sender of the message can easily become frustrated or irritated . Listening is so important that many top employers give regular listening skills training for their employees. This is not surprising when you consider that  good listening skills can lead to: better customer satisfaction, greater productivity with fewer mistakes, increased sharing of information that in turn can lead to more creative and innovative work. Good listening skills also have benefits in our personal lives, including: a greater number of friends and social networks, improved self-esteem and confidence, higher grades in academic work and increased health and wellbeing. Studies have shown that, whereas speaking raises blood pressure, listening brings it down. Listening is not the same as hearing. Hearing refers to the sounds that you hear, whereas listening requires more than that: it requires focus. Listening means paying attention not only to the story, but how it is told, the use of language and voice, and how the other person uses his or her body. In other words, it means being aware of both verbal and non-verbal messages. Your ability to listen effectively depends on the degree to which you perceive and understand these messages. â€Å"The most basic and powerful way to connect to another person is to listen. Just listen. Perhaps the most important thing we ever give each other is our attention. † Rachel Naomi Remen We spend a lot of our time listening Adults spend an average of 70% of their time engaged in some sort of communication, of this an average of 45% is spent listening compared to 30% speaking, 16% reading and 9% writing. (Adler, R. et al. 2001). 10 Principles of Listening A good listener will listen not only to what is being said, but also to what is left unsaid or only partially said. Listening involves observing body language and noticing inconsistencies between verbal and non-verbal messages. For example, if someone tells you that they are happy with their life but through gritted teeth or with tears filling their eyes, you should consider that the verbal and non-verbal messages are in conflict, they maybe don’t mean what they say. Listening requires you to concentrate and use your other senses in addition to simply hearing the words spoken. Listening is not the same as hearing and in order to listen effectively you need to use more than just your ears. 1. Stop Talking â€Å"If we were supposed to talk more than we listen, we would have two tongues and one ear. † Mark Twain. Don’t talk, listen. When somebody else is talking listen to what they are saying, do not interrupt, talk over them or finish their sentences for them. Stop, just listen. When the other person has finished talking you may need to clarify to ensure you have received their message accurately. 2. Prepare Yourself to Listen Relax. Focus on the speaker. Put other things out of mind. The human mind is easily distracted by other thoughts – what’s for lunch, what time do I need to leave to catch my train, is it going to rain – try to put other thoughts out of mind and concentrate on the messages that are being communicated. 3. Put the Speaker at Ease Help the speaker to feel free to speak. Remember their needs and concerns. Nod or use other gestures or words to encourage them to continue. Maintain eye contact but don’t stare – show you are listening and understanding what is being said. 4. Remove Distractions Focus on what is being said: don’t doodle, shuffle papers, look out the window, pick your fingernails or similar. Avoid unnecessary interruptions. These behaviours disrupt the listening process and send messages to the speaker that you are bored or distracted. 5. Empathize Try to understand the other person’s point of view. Look at issues from their perspective. Let go of preconceived ideas. By having an open mind we can more fully empathise with the speaker. If the speaker says something that you disagree with then wait and construct an argument to counter what is said but keep an open mind to the views and opinions of others. (See our page:  What is Empathy? ) 6. Be Patient A pause, even a long pause, does not necessarily mean that the speaker has finished. Be patient and let the speaker continue in their own time, sometimes it takes time to formulate what to say and how to say it. Never interrupt or finish a sentence for someone. 7. Avoid Personal Prejudice Try to be impartial. Don’t become irritated and don’t let the person’s habits or mannerisms distract you from what they are really saying. Everybody has a different way of speaking – some people are for example more nervous or shy than others, some have regional accents or make excessive arm movements, some people like to pace whilst talking – others like to sit still. Focus on what is being said and try to ignore styles of delivery. 8. Listen to the Tone Volume and tone both add to what someone is saying. A good speaker will use both volume and tone to their advantage to keep an audience attentive; everybody will use pitch, tone and volume of voice in certain situations – let these help you to understand the emphasis of what is being said. 9. Listen for Ideas – Not Just Words You need to get the whole picture, not just isolated bits and pieces. Maybe one of the most difficult aspects of listening is the ability to link together pieces of information to reveal the ideas of others. With proper concentration, letting go of distractions, and focus this becomes easier. 10. Wait and Watch for Non-Verbal Communication Gestures, facial expressions, and eye-movements can all be important. We don’t just listen with our ears but also with our eyes – watch and pick up the additional information being transmitted via non-verbal communication. Do not jump to conclusions about what you see and hear. You should always seek clarification to ensure that your understanding is correct.

Fashion Brand - FCUK Assignment Example | Topics and Well Written Essays - 2000 words

Fashion Brand - FCUK - Assignment Example The paper "Fashion Brand - FCUK" discusses the cause of FCUK’s current financial crisis and propose methods that can help the company re-strategise their branding and market position. French Connection or popularly known as ‘FCUK’ is a fashion-led clothing retailer and wholesaler business that was founded and based in the United Kingdom. Its retail and wholesale business operates mainly in the UK, in other parts of Europe, in the U.S., and other licensed stores around the world carrying several products such as its own French Connection/FCUK brand, a designer label called Nicole Farhi, a popular UK whole sale brand called Great Plains, and the mail-order business known as Toast. Aside from their clothing lines, French Connection has also expanded its product range by producing what they call ‘complimentary products’ to their fashion collections. These complimentary products are in the form of eyewears and various fragrances. The company was founded in 1972 by its current chairman and chief executive Stephen Marks. FCUK had eventually made its mark in the fashion industry by introducing fashionable clothes at very affordable prices catering primarily to the middle-market customers with ages ranging from 18 to 35 years old (News, 2006). For so many years, FCUK have managed to put up a competitive brand against its High Street counterparts; however, just recently, FCUK had been continuously incurring noticeable decline in its sales and profits. There were actually several reasons. behind this high turnover for the company's revenues, primarily it is due to the soaring up of its prices which seems to have become quite expensive for their High Street target market to afford; another reason would be the company's effort of changing its image - trying to level it with competitors of bigger labels in an attempt to improve its market share and position thus resulting to pricing themselves out of the High Street competition; and finally, the recent advertising tactics of the company simply did not made an impact to its target market, not only in Europe but in other parts of the world as well which even contributed to driving its customers away from the brand. FCUK Current Situation Since 2002, FCUK's annual reports on its sales and profits all over the world have been progressing positively; it only means that the company has been performing well on the High Street market competition. However, due to recent events, it would really be alarming to know that the company this year has been continuously issuing warnings to investors that profits would surely be lower than expected (News, 2006). French Connection has reported a substantial pre-tax loss of 3.6 million in the first half of the year which ended on the 31st of July 2006 compared with the 5.1 million pre-tax loss it incurred the previous year; group revenues had also fallen by 6% from the previous year to 112.2 million (Interim Statement French Connection Group PLC, 2006). The problem of these declining figures originated mainly from a range of smaller problems that the company must resolve in order to hopefully gain back its losses in the future. It was found that one of the problems is that the company gravely needs to rethink of the prices it is setting on the range of their clothing lines in relation to their target market - which is

Fieldwork Assignment Example | Topics and Well Written Essays - 750 words

Fieldwork - Assignment Example They have children programs in which volunteers can interact with kids, and offering direct services to other homeless persons. At the organization, there is always an opportunity that fits well in an individual’s preferences. There are many homeless children all over the city who are in dire need of someone to teach good behavior, and engage them. At BBBS, adults organize museum trips, make adventures in the urban area, or just relax with young residents in their childhood and adolescence stages. With only a residency of New York City, and a dedication of eight hours every month for one year as well as a job in town, one would qualify after a rigorous screening process. Despite the immense benefits, mere volunteer work will not rid most American streets of the homeless populations. This is because, even though many people are destitute, few often think of securing a place in organizations such as BBBS. The insignificant number of the homeless in organizations providing humani tarian services calls for the enactment of more effective laws to curb the menace. According to Swartz, homelessness means an increase in crime rate, and the spread of diseases in the affected towns (407). Voting for a visionary leader who has promised to implement anti-homelessness laws could be the best way to tackle the problem, rather than volunteer work. Swartz indicates that the formulation and enactment of city laws that illegalize homelessness and provide the destitute populations adequate shelter would effectively rid the streets of such people (409). Unlike previous archaic laws which grant law enforcement agencies absolute power to confiscate whatever form of shelter is used by the homeless, the enactment of humane laws, which provide for alternative resettlement programs, would improve security on the streets once and for all. An attempt to cart away the belongings of destitute populations by force only serves to create a bigger problem of exposing the victims to crimina ls and adverse weather conditions According to Swartz, the main problem of homeless populations really is having nowhere to seek refuge. City ordinances ban the erection of temporary structures serving the role of shelter, such as tents, on any piece of land (408). A proper legislation would secure government funding and support for the homeless community. Without the law, most city councils may lack the capacity to intervene appropriately due to budget shortfalls. Owing to the fact that the problem of homelessness is not usually caused by the shortage of housing, but by soaring costs of acquiring and renting one, legislation would enable the government to start affordable housing programs to reduce the number of people on the streets. Once elected into office, a visionary politician would explore the administrative options within his or her power, to press for a change to city bylaws, because by trying to stay on the streets, the victims pay a heavy price. The act is an outright vi olation of the city laws. Ritchie says regardless of the fact that some homeless people are fully aware of the violations of the laws, they opt to camp on the streets anyway (502). In reaction to laws criminalizing camping on the streets, the political leadership can pile pressure on local governments to review discriminatory ordinances favoring unilateral action by police. Without proper laws, volunteering work would

Free Othello Essay: The Disintegration of Othello -- Othello essays

The Disintegration of Othello Shakespeare's Othello is a play with unique characters. One such character is the one for which Shakespeare names his play. In the play, Othello disintegrates from a confident leader to a homicidal murderer. Linguistic changes throughout the play attest to this theory. In the opening scenes, Shakespeare portrays Othello as a noble character. When Brabantio seeks vengeance (for "stealing" his daughter) on Othello, Othello expresses his actions will "tongue out his [Brabantio's] complaints" (1.2.21). Thus he shows his calmness against the verbal slander of Brabantio. Throughout this scene, Othello remains calm and confident. Moreover, he humbly tells the story of his relationship with Desdemona. He does not flaunt the situation over Brabantio but speaks modestly. In the next act, Othello maintains his calm demeanor. He speaks poetically of seeing his "fair warrior" Desdemona (2.1.210). Later in the scene, Cassio fails at his military duties. Even though this deeply hurts Othello, he keeps his calm. He lovin...

Principles of Banking and Finance Essay

What does Sub-Prime Crisis means? Sub Prime lending which is also known as near-prime, non-prime and second chance lending, means lending to people who might have trouble repaying the loan due to income ability or credit ratings which previously would not have been available to them. Credit ratings that might be not favorable to them with the standards set up initially by Financial Institutions slowly dwindle to less strict under-writing of loans. which could also due to an influx of foreign capital making lending easier to these group of people, the investment banks that sold the repackage mortgages to the consumers which is one of the way to fund for capital, and the Housing Urban Development of America policy to ensure that its citizens has access to mortgage loans easily. The cheaper interest rate packaged by the Financial Institutions which seems more affordable for the consumer for the first 1 to 5 years and the thereafter interest rate would have jumped significantly. The loan s here generally referred to mortgage loans. The Crisis started or snowball into what it was in 2007 in my opinion was due to greed. Greed into thinking that the property boom would continue in perpetuity so that the borrowers could cash out more from their current property market valuation, with this cash out in terms of personal loan they could fund or finance their lifestyle be it buying a new property for investment purposes, to flip or for rental. For the luxury in life they choose to enjoy now, spending future money. As the economy slowed, jobs are being taken away from corporation in America to other countries which have a cheaper source of overhead expenses and manpower. People are being retrenched thus causing them to start defaulting on their loan repayments. A statistic done has shown that the American households do not have any savings but was laden with debt instead. The housing bubble burst, the market does not have that much capital as it used to have to continue to push property prices up anymore, thus causing the market to slow overall, foreclosures of their properties was happening. Consumers was also unable to obtain a refinancing which they had planned previously to lower their interest rate again when it went up, as financial institutions feel the pinched and controlled its lending. How did the Financial Institutions played a part in this? In the past banks have financed their mortgage lending activities through the deposits they receive from their customers. This has confined the amount of mortgage lending they could do. In recent years, banks have designed a new model where they repackage these mortgages to be sold to the bond markets. This has made it a lot easier to fund additional borrowing from the investors and interest rate was low. But it has also led to abuses as banks no longer have the incentive to check carefully the mortgages they issue to the lenders. The failure to check and curb lending in return for the possibility of profit was one of the causes. The first sign of the sub-prime crisis was as early as 2007 when HSBC Finance which is part of the banks north American subsidiary has to write off 880 million in sub-prime lending. The business has become unsustainable as borrowers started to default. The new model which we have come to know is known either as Mortgaged backed Assets or Collateral Debts Obl igations. The repackage mortgages are being sold to the bond markets, before they can be sold, credit rating agency will determine and give the model a rating. A credit rating for an issuer takes into consideration the issuer’s credit worthiness example its ability to pay back a loan, and affects the interest rate applied to the particular security being issued. These MBS or CDOs as it has come to know are usually marketed to countries which has a surplus in its balance sheet as it was generally known that Asians believe in savings rather than spending future money thus the products were usually marketed in Asia, It is allege that the rating agencies experienced from conflicts of interest, as they were paid by investment banks and other firms that organize and sell these structured securities to investors. If there are not to give favorable ratings to these products they risk the underwriter of these securities to another rating agency. It would be hard to sell these products if they are not being given a rating to begin with. Once they are sold the banks have in a way diverted part of the risk to the consumers. Investors should not rely too heavily on these ratings agencies opinions but instead carry out their own homework in the safeness of debt level as well as others related securities. Probably the opinions of the agencies enable them to get a conclusion, however based on past decade of event, it can only be consider as off base when it comes to the risk of credit event. Investors should try to put themselves in the shoes of the product pushers, asking themselves very important points like, why do you need to sell these products? Do you own any of these products yourself? If it is as good as you mention have the private investors bought and participated a substantial amount of their savings in it? Perhaps there need to be some form of intermediaries whereby no conflict of interest will affect their opinion and report of these products. A case study in Singapore itself which has made headlines during this crisis was the minibond saga which was being sold in Singapore by a couple of Financial Institutions. The originator of this series of structured products was the now defunct Lehman Brothers. The Minibond was being illustrated to the local consumer as a bond which is not the case it is actually a Collateral Debts Obligations. The relationship managers in banks are eager to sell the product because of the high commission and the consumer who are eager to buy because the returns are much higher than the fixed deposit being offered by the banks. An estimated of 500 million Singapore dollars was purchased for the Minibonds by consumers. It stirred a series of conflicts with the Financial Institutions that sold these products, the consumers cried fouled into being mis-sold of it, some of the consumers managed to get back part of their investment and vowed not to touch these structured products ever again. We can take a look back into the 1990s where one of the policy set up and enforce by the Housing and Urban Development of America, was one of the cause of the sub prime crisis. With the support of the government, HUD has less mortgage restriction requirements on its borrowers. The mandate was that Fannie Mae and Freddie Mac which was regulated by HUD, was to generate up to 8 million more homeowners in America. It was known as the â€Å"National Homeownership Strategy†. No down payment was required, 100% financing for the property was the norm. This was partly possible due to the influx of cheap money in the market, wit h this cheap money consumers speculated with the market, they kept buying new homes thus the good years of where the appreciation of the property keep going up. Financial Institutions dare to lend due to the market confidence that it can only keep going up, borrowers confidence that the market too can only keep going up. A check with HUD official website, apparently the US government is still supporting home ownership program without first addressing a stable income issue. Only with a stable income can a person make regular commitment to his or her housing loan commitment. Kudos to the Singapore government for taking appropriate actions during the last few years when their economy was recovering, the measures taken to prevent over speculation of the property market in Singapore. Homebuyers with the extra cash were snapping up properties, either for owner’s occupation or for investment purposes. The government either learned from the Sub-prime crisis or foreseen that if it continues the way it is going, a market crash might be imminent or the crash will be too fast and hard, no soft landing for the consumers. As they knew that property market have its up and down. Steps was taken, it used to be 90/10. Whereby the buyer have to come up with 10% cash and the remaining 90% can be financed through a financial institutions regardless of the number of property they currently owned. It was changed to 80/20 rule, 20% of which is the owner’s own cash an 80% through financing. Surprisingly it did not deter the consumers, the market still kept soaring. The next rule implemented was the 80/20 rule for first time buyers, meaning buyers without any current mortgage loan, for buyers with an existing mortgage which was not yet paid up; they are only eligible for 60/40. 60% financing for their new property and an increased in the stamp duty to be paid for to the government if it was their 3rd property for Singaporean. The hardest hit was the foreigners who are seeking to invest their money in Singapore properties as they have to pay additional 10% stamp duty which is likely to deter most of them. P rices still kept going up, the latest ruling was much more complex than the previous few. If one is looking at 80% financing one can only borrow up to the age of 65 years old and tenure of not more than 30 years. Which was not the case previously, in previous scenario it was dependent on different Banks guideline in Singapore, they could lend up to the age of 70, 75 or 80. They stepped in and put a cap at 65 as they believe that is the retirement age. If you want to extend your loan tenure your financing amount will drop to either 60% or 40%. I believe the government did this as they knew that the US is going ahead with Quantitative Easing 3, they want to prevent too much hot money from landing in Singapore shore. To sum up, we learned from our mistakes and grow not to make the same mistake twice. A healthy economy is based on real economic goods with value. Hopefully US can still continue to create innovative products like Apple and keep their manufacturing production in US soil, get employment rate up. The citizens have to maintain their expectations in terms of salary wise and spend within their means. Tighten up their way of lending and controlling Banks to a certain extent, a culture that is profit driven but with ethnics. Can heed the investment guru jim roger’s advice to focus on farming as there will be a food shortage in time to come. Induce good saving habits in everyone to save up for a rainy day. http://www.ethicalquote.com/docs/SubprimeMortgageCrisis.pdf http://news.bbc.co.uk/2/hi/business/7073131.stm http://en.wikipedia.org/wiki/Government_policies_and_the_subprime_mortgage_crisis http://www.washingtonpost.com/wp-dyn/content/article/2008/06/09/AR2008060902626.html http://www.thetruthaboutmortgage.com/mortgages-with-no-money-down/ http://www.telegraph.co.uk/finance/markets/2816291/HSBC-hit-by-sub-prime-crisis.html

The Bystander Revolution How Social Media Shapes And...

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