Financial Inclusion Essay

Role of Government in financial inclusion Abstract:- This research paper contains the full information about the financial inclusion of the world’s economic. In this research paper we describe the financial inclusion basic meaning, definitions, scope & significance. Now we move towards the second phase which include role of government & role of banks in financial inclusion. we also include the reforms that has been done by the government and the other government organizations . We also include the main article that has been given by the different ministers about financial inclusion & its reform. Financial Inclusion Meaning: Financial inclusion is a policy adopted by many countries to include more people in the financial set up of the country. It aims at tackling poverty and deprivation in the country. In simple terms financial inclusion refers to making the finance or the financial/banking sector more accessible to people. For example: Debit cards, internet banking and direct debit facilities are now common, convenient and cheap ways of paying for goods and services. Yet there are still people who are excluded from using these services. People who are losing out as they are unable to take advantage of the benefits offered by the range of financial products available. In developing and poor countries like Bangladesh, Nepal, Afgan etc there are many people who do not even have a bank account or who are unable to take advantage of the loans and deposit benefits offered by banks due to various reasons like lack of knowledge, fear, lack of proximity etc. Today, personal debt is at a record igh and borrowing without a bank account means using high interest lenders. Many of the people in this position live in our poorest communities and find themselves without choice or access to basic financial services, making it even more difficult to find routes out of poverty. Defination: Financial Inclusion is the delivery of banking services at affordable costs to vast sections of disadvantaged and low income groups. Unrestrained access to public goods and servic es is the sine qua non of an open and efficient society. It is argued that as banking services are in the nature of public good, it is essential that availability of banking and payment services to the entire population without discrimination is the prime objective of public policy. The term Financial Inclusion has gained importance since the early 2000s, and is a result of findings about Financial Exclusion and its direct correlation to poverty. Financial Inclusion is now a common objective for many central banks among the developing nations. Financial Inclusion in India The Reserve Bank of India setup a commission (Khan Commission) in 2004 to look into Financial Inclusion and the recommendations of the commission were incorporated into the Mid-term review of the policy (2005-06). In the report RBI exhorted the banks with a view of achieving greater Financial Inclusion to make available a basic â€Å"no-frills† banking account. In India, Financial Inclusion first featured in 2005, when it was introduced, that, too, from a pilot project in UT of Pondicherry, by K C Chakraborthy, the chairman of Indian Bank. Mangalam Village became the first village in India where all households were provided banking facilities. In addition to this KYC (Know your Customer) norms were relaxed for people intending to open accounts with annual deposits of less than Rs. 50, 000. General Credit Cards (GCC) were issued to the poor and the disadvantaged with a view to help them access easy credit. In January 2006, the Reserve Bank permitted commercial banks to make use of the services of non-governmental organizations (NGOs/SHGs), micro-finance institutions and other civil society organizations as intermediaries for providing financial and banking ervices. These intermediaries could be used as business facilitators (BF) or business correspondents (BC) by commercial banks. The bank asked the commercial banks in different regions to start a 100% Financial Inclusion campaign on a pilot basis. As a result of the campaign states or U. T. s like Puducherry, Himachal Pradesh and Kerala have announced 100% financial in clusion in all their districts. Reserve Bank of India’s vision for 2020 is to open nearly 600 million new customers’ accounts and service them through a variety of channels by leveraging on IT. However, illiteracy and the low income savings and lack of bank branches in rural areas continue to be a road block to financial inclusion in many states. Apart from this there are certain in Current model which is followed. There is inadequate legal and financial structure. India being a mostly agrarian economy hardly has schemes which lend for agriculture. Along with Microfinance we need to focus on Micro insurance too. The scope of financial inclusion The scope of financial inclusion can be expanded in two ways. ) through state-driven intervention by way of statutory enactments ( for instance the US example, the Community Reinvestment Act and making it a statutory right to have bank account in France). b) through voluntary effort by the banking community itself for evolving various strategies to bring within the ambit of the banking sector the large strata of society. When bankers do not give the desired attention to certain areas, the regulators have to step in to remedy the situ ation. This is the reason why the Reserve Bank of India is placing a lot of emphasis on financial inclusion. In India the focus of the financial inclusion at present is confined to ensuring a bare minimum access to a savings bank account without frills, to all. Internationally, the financial exclusion has been viewed in a much wider perspective. Having a current account / savings account on its own, is not regarded as an accurate indicator of financial inclusion. There could be multiple levels of financial inclusion and exclusion. At one extreme, it is possible to identify the ‘super-included’, i. e. , those customers who are actively and persistently courted by the financial ervices industry, and who have at their disposal a wide range of financial services and products. At the other extreme, we may have the financially excluded, who are denied access to even the most basic of financial products. In between are those who use the banking services only for deposits and withdrawals of money. But these persons may have only restricted access to the financial system, and may not en joy the flexibility of access offered to more affluent customers. Steps towards financial inclusion

Osmosis Reprot

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

Beauty is not so easily measured

While love is something that can be sensed as being palatable and felt directly within one’s self, beauty is not so easily measured—an aesthetic that is judged by each person according to his or her own likes or dislikes. Kawabata Yasunari’s classic short stories â€Å"The Man Who Did Not Smile† and â€Å"Immorality† both look at love and beauty and how they are measured, each in a poetic and colorful way.â€Å"The Man Who Did Not Smile† is a 1929 short story, or â€Å"palm of the hand story,† as Yasunari called them (Ljukkonen, online), about a film writer and his relationship to beauty via his movie that is being filmed, and via his relationship with his wife and children.   It is a story about beauty and this man’s relationship to beauty, and the psychological relationship he has to the idea of beauty and what is behind the idea of beauty.Yasunari wrote â€Å"The Man Who Did Not Smile† as a first-person account from the film writer’s standpoint.   The man is on location for a film he has written about patients in a mental hospital, and is in the process of discovering a final scene for his film.   He finds it one morning while â€Å"gazing out on the Kamo River,† (Yasunari, 1929/1990, p. 128) upon waking, finding himself amid the memories of a previous day and recalling a mask that he had seen in a display window.   It is that image that gives him the idea for his final scene of the movie, â€Å"a daydream† (p. 129) filled with masks of smiling faces.The search for the masks to be used in the film becomes the central drama of the story—and the protagonist’s relationship to those masks once he takes them to his wife and children after the filming of the movie is complete.   The masks are delicate and the actors must handle them carefully.   Yet, there is some power within those masks.   The film writer decides to buy them so they can be handled with out fear of them being destroyed, and it is in the power of those masks that the protagonist realizes his own relationship with beauty.â€Å"Well then, I’ll buy them.   I did actually want them.   I daydreamed as if awaiting the future when the world would be in harmony and people would all wear the same gentle face as these masks.   (p. 131)His children love the masks, but he refuses to wear them.   His wife agrees to put one on, and it is in that moment that he discovers his true relationship to his wife’s beauty.   â€Å"The moment she removed the mask, my wife’s face somehow appeared ugly† (p. 131).   It is as though he is seeing her face for the first time—and his own idea of her beauty, or, in this case, the â€Å"ugliness of her own countenance† (p. 131).   As his wife lay in the hospital bed, he is faced not only with a new idea of beauty, but his own sense of self—one that might appear as â€Å"an ugly demonâ €  (p. 132) to his wife.   He would be exposed to his real self, his true nature.Psychologist C. G. Jung writes that the mask can be seen as the outer persona we show to the world, the way we want to be seen (Jung, 1929/1983, p. 96).   â€Å"The mask is the ad hoc adopted attitude, I have called the persona, which was the name for the masks worn by actors in antiquity† (Jung, 1921/1983, p. 98).   The narrator is forced to confront not only what lies behind his wife’s beauty/ugliness, but also his idea of his own beauty/ugliness.   The â€Å"beautiful mask† (p. 132) reveals another question, too:   whether or not the face he sees on his wife could be artificial, too, â€Å"just like the mask† (p. 132).   It’s a perplexing question, but one that reveals, like the mask, much about the filmmaker’s relationship to himself and his world.While the idea of beauty colors Yasunari’s 1963 â€Å"palm-of-the-hand† story †Å"Immortality,† the concept of eternal love is the central theme.   In this short story, two lovers have reunited after being apart for at least five decades—but their reunion comes in the afterlife, as they are now each dead.   Yasunari presents a portrait of an eighteen-year-old girl and a man sixty years her senior walking through some woods in a land they’d both known together while alive.   The scene is haunting as the girl is not aware the man has passed on into the afterlife until the end, when, upon that realization, the two â€Å"go into the tree and stay† (Yasunari, 1963/2005, p. 326).The love between the two has been eternal, in a sense—the girl killed herself because of her love for the man when they had to separate, and he wound up spending much of his life on the land overlooking that spot in the ocean where she died. The man has returned to the land where she died to reclaim her.   He wants to be with her forever.   However, he doesn’t know he is dead, and neither does she. Once she realizes he, too, is dead, they are able to reunite into eternity in nature, merging themselves into an old tree where they will live forever.Like â€Å"The Man Who Did Not Smile,† Yasunari uses the idea of beauty and the mask that we wear—Jung’s â€Å"persona†Ã¢â‚¬â€as an aspect of â€Å"Immortality.†Ã‚   The girl tells the old man, Shintaro, that she has lived in the afterlife with the image of him as a young man.   â€Å"You are eternally young to me,† (p. 325) she says, even though the man is now old.If I hadn’t drowned myself and you came to the village now to see me, I’d be an old woman. How disgusting.   I wouldn’t want you to see me like that.   (p. 325)For the girl, memories are important.   Her spirit carries them as she lives in the afterlife.   Scholar James Hillman says that memories are important for the soul, carrying with them e nergy that thrives for the departed person.   The girl realizes this, too, in a way:   â€Å"If you were to die, there wouldn’t be anyone on earth who would remember me,† she says (p. 325).The soul, they say, needs models for its mimesis in order to recollect eternal verities and primordial images.   If in its life on earth it does not meet these as mirrors of the soul’s core, mirrors in which the soul can recognize its truths, then its flame will die and its genius wither.   (p. 159)The girl imagines ugliness representing old age—that ancient mask we all wear once we have passed from the prime years of our life.   Even though the old man is wearing that mask, she doesn’t see it:   she has only her memories carried with her at the time of her death, so she sees him as an eighteen-year-old, also.   For the man, he never experienced his lover as an old woman; thus, her youth is indeed eternal for him.Yasunari uses few characters in both stories, keeping each â€Å"palm-of-the-hand† short and simple.   The narrator in â€Å"The Man Who Did Not Smile† is joined by the mask buyer, his wife, and his children in the tale, while it is only Shintaro and his young lover in â€Å"Immortality.†Ã‚   We do not see deeply driven characterization in either story, as Yasunari essentially paints portraits of each actor through their thoughts and actions.   Like a beautiful painting of a sunset or sunrise, we must use our imagination amidst the texture and colors of the painting to grasp its deeper meaning.Indeed, Yasunari’s beautiful use of words shines in both stories in his colorful imagery.   It is simple:   â€Å"An old man and a young girl were walking together,† he writes to begin â€Å"Immortality.†Ã‚   He ends that story almost the same way he begins â€Å"The Man Who Did Not Smile†Ã¢â‚¬â€with the picture of the sky.The color at evening began to drift onto the smal l saplings behind the great trees.   The sky beyond turned a faint red where the ocean sounded.   (p. 326).â€Å"The Man Who Did Not Smile,† on the other hand, begins with the image of the sky as well.   â€Å"The sky had turned a deep shade; it looked like the surface of a beautiful celadon porcelain piece† (p. 128).   It is a daydream of sorts, a beautiful portrait into which Yasunari takes the reader as he moves through the inner world of the film writer.Both stories are magical.   It is the â€Å"magic of those trees† (p. 325) that captures the imagination of Shintaro and his young lover.   Those trees are part of land his family owned, and he later sold to the men who turned the land into a golfer’s driving range.   The trees are on land overseeing the ocean where the girl jumped to her death.   Trees are sacred and magical in many mythologies.   Buddha gained enlightenment under the Bodhi Tree, and many myths use trees as the focus for rebirth (Anderson, 1990, p. 25).   In the same regard, the ocean, too, is a mythical place:   from where gods and goddess reside and in the Greek legend Odysseus sailed before being reuniting with his lover (Anderson, p. 25).The magic of â€Å"The Man Who Did Not Smile† comes in the healing properties of the masks.   It is through the image of the mask that the film writer is able to create an ending for his story—a â€Å"beautiful daydream† (p. 128) to conclude the â€Å"dark story† (p. 129).   The masks represent his own distrust of himself and the world around him, covering with an artificial beauty the truth that lies behind them.   The masks magically hide what is true and meant to be revealed—whether it is an â€Å"ugly demon† (p. 132) or an â€Å"ever-smiling gentle face† (p. 132).What is also interesting about â€Å"The Man Who Did Not Smile† is in how the film writer’s screenplay is based on a sce ne inside a mental hospital.   We learn later that his wife is in a hospital of sorts—and we never learn the exact nature of her illness.   Could it be a mental hospital?   And might her hospitalization also be a reflection of his â€Å"gloomy† personality (p. 129)?   He’s afraid of what is hiding behind the masks—so much that his initial reaction to putting on the mask himself is fear.   â€Å"The mask is no good.   Art is no good† (p. 132).   Masks and art each reveal the hidden dimensions.   The film writer himself uses his films to balance his own â€Å"gloomy† personality.   Yet the shadows of life are revealed through film and art, and are experienced in hospitals.   Each is an aspect of â€Å"The Man Who Did Not Smile.†Yasunari gives much to think about regarding our relationship to each other and ourselves in â€Å"The Man Who Did Not Smile,† and to our relationship with the magic of eternal love in â€Å"Immortality.†Ã‚   Both reveal the hidden aspects of our existence on earth, offering us a short look at the feeling of living in a world of melancholy and loneliness amid what we call beauty.   Our own mortality rises from the depths of eternity through these stories, and it is in the hidden beauty of our daily lives that Yasunari’s works can be realized.BibliographyAnderson, William.   (1990).   Green man:   The archetype of our oneness with the earth.London:   HarperCollins.Hillman, James.   (1996).   The soul’s code.   New York:   Warner Books.Jung, C. G.   (1983). Definitions.   (R. F. C. Hull,Trans.). In   A. Storr (Ed.). The essentialJung:   Selected writings.   (V. S. de Laszlo, Ed.) (Pp. 97-105).   Princeton:   Princeton University Press.   (Original work published 1921).Jung, C. G.   (1983). The relations between the ego and the unconscious.   (R. F. C. Hull,Trans.). In   A. Storr (Ed.). The essential Jung:à ‚   Selected writings.   (V. S. deLaszlo, Ed.) (Pp. 94-97).   Princeton:   Princeton University Press.   (Original work published 1929).Ljukkonen, Petri.   (2005).   Yasunari Yasunari.   Retrieved November 19, 2005 fromhttp://www.kirjasto.sci.fi/Yasunari.htm.Yasunari, Yasunari.   (1990).   The man who did not smile.   (L. Dunlop, Trans.).   InPalm-of-the-hand Stories.   (J. Martin Holman, Trans.).   (Pp. 128-132).   San Francisco:   North Point Press.   (Original work published 1929).Yasunari, Yasunari.   (2005).   Immortality.   In (G. Dasgupta, J. Mei, Ed).   Stories aboutus.   (Pp. 323-325).   Nashville:   Thomas Nelson Publishers.   (Original work published 1963).

Ethnic Studies Essay Example | Topics and Well Written Essays - 250 words - 1

Ethnic Studies - Essay Example xed ancestry, she never hid the fact that she is black and none of this mattered to Bea as she still took Delilah in and treated Delilah and her daughter as family. The two even started a business and became wealthy. Bea functioned as the manager of the business where Delilah’s recipe is used to make the business successful. The two prospered and was able to overcome the racial divide which was prevalent during the time was shown in 1939. There is something however another angle in their relationship that tells how a black person relates to a white person during the 1930s. It has to be remembered that Bea did not discriminate or treated Delilah harshly even if she was black. Bea even treated Delilah as family to the point that they started a business. Despite this relatively equal treatment of Bea towards Delilah, Delilah was always subservient to Bea that Delilah still acts as Bea’s maid even if she is already wealthy from the business that Bea and Delilah started. This reflects the mindset of the black people during those times that they thought to be inferior or just servants to the white people. Of course it could also be interpreted as Delilah’s gratitude towards Bea but nonetheless, the film still reflects Delilah’s mindset of not thinking as Bea’s

Religous Profile Report Research Paper Example | Topics and Well Written Essays - 1000 words

Religous Profile Report - Research Paper Example All the next Gurus worked on the teaching of Guru Nanak and developed the faith and trust of Sikhism over next four centuries and made the religious history of approximately 400 years. Fifth Guru, who was named guru Arjan complied the first holy book of Sikhism (BBC Religion). He also established the first estate â€Å"Amritser† for Sikh Community. All ten gurus devoted their lives for the establishment of the Sikh Religion due to their efforts. Sikhism is one of the fastest growing religion in the world. Belief about GOD: The concept of GOD in Sikhism is very clear. Sikh Community believes that there is only one GOD. He is the only creator of the entire Universe. Sikh community believes that GOD has not any specific gender. In addition, they believe that GOD can be accessed by everyone (BBC Religion). Equality: Equality is one the major beliefs of Sikhism. Teachers of Sikhism state that all the human beings are equal. All people have the same rights. None has any priority over other (kwintessential.co.uk). Other Beliefs: Sikhism aims to make the environment peaceful. Sikhism states that the truth is the key of all virtues. The religion encourages that truth and justice is a key for a peaceful life. The Sikhism also state that if a person wants to feel the pure feelings to GOD, then he must switch his attention from all other material things to only one GOD. That is the only way in which human achieves the maximum level of liberation. In addition, the teachings of the Guru Nanak also state that GOD does not have a gender and cannot be understood by everyone easily. Love and worship is the only way to know the real means of GOD. Sikhs believe that their own souls and hearts are the best tools to find the GOD. Sikhs believe that they can feel the real pleasure and travel on the way of liberation by avoiding certain things such as lust, anger, pride and attachment to the things in this world. The

How parental depression impact on thier teeenage children between the Dissertation

How parental depression impact on thier teeenage children between the ages of 15-19 years - Dissertation Example Living with someone who has a disease that changes their perception of reality can exhaust a family, leaving the development of children, particularly in their teen years, without a stable foundation. With a disease that is defined by its condition as a mental disease, a child may have to deal with additional feelings of guilt and shame, their lives becoming about the secret of mother or father’s illness. This study was conducted using relevant literature, both primary resources and secondary literature in order to frame the conclusion to the questions posed by the work. Through a qualitative approach, the relevant literature is examined for the experience that has been present in the human condition concerning the incidence of mental illness. Through understanding this experience, the researcher can come to conclusions based upon an understanding of the concept that stretches beyond that which can be quantified. Chapter One Introduction As a child, the development of curiosit y for this condition in parents came from exposure to a friend whose mother suffered from deep bouts of depression. Knowing this girl from the age of eight through high school made a deep impression about the concept of the disease that her mother seemed to suffer from through long torturous months of unpredictable days for this child. The girl, who may or may not have been similarly afflicted, displayed a series of behaviours that were curious and encouraged a need to find an understanding for what she was going through at the time. She horded large amounts of food in her locker at school, always afraid she would go home and have nothing to eat. She gained large amounts of weight, only to lose the same until she was thin as bone. She also began to cut herself when she was sixteen, a secret that was never revealed to any adult. The level of secrecy that her life held and the ways in which she expressed her own anxiety created a high level of curiosity about how much her motherâ€⠄¢s mental disease was affecting her life in comparison to any disease that she might have had on her own. The actions that were in rebellion to her own situation, hording food until it sat in piles of mold in her locker, in comparison to her acts of cutting her skin always created wonder at her own levels of depression, whether from an inherited condition, or from her exposure to behaviours of depression as they were exhibited by her mother. In this qualitative study, the research will be gathered through an investigation of secondary research and primary resource literature in order to understand the historical understanding of depression and the stigma that the disease has developed within society. While society tends to have a compassion for those who are afflicted with depression, there is still a pervasive opinion that it is merely a sadness, a disease that could be controlled if the afflicted would just try harder to not be afflicted. This creates a stigma that proposes that secrecy and silence rule within a family where one of the parents suffers

Visual Teaching Strategies On Children With Autism Research Paper

Visual Teaching Strategies On Children With Autism - Research Paper Example This essay approves that the reading and writing program has been on the leading edge in providing better services to these children that had suffered from autism through providing better mans that enabled them to quickly learn the traits of better verbal and written communication. Children who had previously attended the ABA programs were visually strong as they could easily assemble word puzzles together that were at a very complex level than their own age. They had mastered only the physical details and readings that if something was changed just a bit they would quickly forget about it. They had highly developed in their visual remembrance but the only set back they experienced was the inability to detect and notice any changes that were made, for example in the road signs. By noticing these difficulties in those children that were affected by autism, Nina Lovaas adopted the system where she could use the writing and reading to try and put more emphasis to the learning provided t o the child hence it would stick more in their minds. This report makes a conclusion that the Nina Lovaas reading and writing program is different when compared with the other programs for a variety of reasons. It is hoped that the reading and writing program will make learning more applicable than PECS in the sense that in PECS one is always to carry the big book with all the symbols, while in the reading and writing program, all that is needed is a portable computer for effective and efficient communication. Therefore, the Nina Lovaas reading and Writing Program is a way of enhancing and amplifying all academic qualifications of children.

Cloud Computing Essay Example | Topics and Well Written Essays - 750 words - 1

Cloud Computing - Essay Example By the early 1970s, many mainframes acquired interactive user interfaces and operated as timesharing computers, supporting hundreds of users simultaneously. Data was batch processed at the end of business cycles, usually daily at night; modem speeds were slow and downloads happed when computer were more or less idle. Users gained access through specialized terminals or personal computers equipped with terminal emulation software. By the 1980s, many mainframes supported graphical terminals, and terminal emulation, but not graphical user interfaces. Graphical user interfaces reached mainstream in the 1990s through new operating systems supporting GUIs on personal computers. In the mid-2000s the word timeshare became cloud computing and was sold to new customers as a new network configuration. Cloud computing allows business to work with documents in the cloud such as word processing and spreadsheets. Microsoft office functionality for documents, calendars, and contacts can be accessed through Microsoft’s office 365 for small firms. This office offers all the requirements that may be needed by small firms in terms of word processing. Packages that are also offered by cloud computing are the full desktop version of Microsoft office that the users can download, install and use from their main computer when one is working without internet connection (Defelice 2010). Businesses can exchange accounting information and data through email cloud services, for example firms can simply buy as many mail boxes as it can and then allocate the mail boxes to the employees, and therefore the business do not need to set up and manage an email server from its premises. Google applications for work are some of the most powerful cloud email that is widely used by many companies. Another important mail service is the Gmail which is very powerful and flexible for the vast majority of small firms. Moreover, cloud email services are available from many email service

Case study Example | Topics and Well Written Essays - 1000 words - 34

Case Study Example Plants in Egypt and Trinidad (Atlas and Titan) are worked as joint endeavors with Methanex holding basic interest of 60% and 63.1%, individually. The paper seeks to carry out a comprehensive analysis of the company’s SWOT analysis before the year 2013. In addition, the paper will discuss the key recommendations on how to solve the issues both qualitatively and quantitatively (Methanex, n.d.). Some of the major issues affecting the company include holding a large amount of Assets (PPE) sitting unused due to political instability in Chile and Egypt leading to wastages. Notably, these wastes constitute to close to $1.87 B in initial investment costs that could be put to constructive use. In addition, the company lacks diversification and is completely dependent on the sale of Methanol making it not competitively effective. Besides, the company has not fully taken advantage of economies of scope since almost all of its competitors produce other materials (Methanex, n.d.). Methanol in its pure form cannot be directly used since companies buy from Methanex to produce other materials. The replacement cost of assets are more than the market value of the company (2/3 cost). This implies that if the company goes under, they could not sell assets to cover all the cost. Another major challenge that the company faces is high operational cost (Zacks.com, 2014). In fact, 80% of cash co sts go to purchase of natural gas and energy use costs hence increasing the operational cost (Arslan & Er, 2008). Its greatest contender (MHTL), could conceivably make them bankrupt in Trinidad (where the vast majority of Methanexs yield is produced) The biggest utilization for methanol, formaldehyde, has had terrible attention in the U.S. in view of conceivable negative wellbeing impacts identified with presentation (Leukemia, numerous myeloma, Hodgkins). High purchaser power- methanol expenses represent a little divide of what

Proposal argument Essay Example | Topics and Well Written Essays - 1750 words

Proposal argument - Essay Example The purpose of this proposal argument is to evaluate the reasons as to why the physical punishments are not the best ways of handling the problems. This proposal argument explains that something could be missing in our attempt to come up with an upright generation. In addition, it is the missing element that this article sheds light on. Children whose parents use amicable mechanisms of discipline possess extraordinary social skills. Parents should avoid using physical punishment because it increases violent behavior among the youth (Sumner, 132). This paper seeks to explain why use of physical punishment increases violent behavior among the youth. A Deeper Perspective to the Problem A correct support measures put in place are the sources of successful behavior change. The current generation may be carried away by events and this is proved by the fact that most of them often get into trouble due to their uncalled for behavior. A survey carried out by the body charged with monitoring f uture generation established that most of the mistakes carried out by the youths are due to their characters. To be specific 97% of the cases reported are due to the behavior. This is clear proof that bad behavior is fast becoming a problem. The big question is whether are we going to watch the youths fall or are we going to be the straw they clutch on. The fact that these perverse actions always soil their reputations in that they put question marks on their records is another reason as to why we should be on the lookout just to help out a brother who is off track (Gershoff, 539). Current Measures Most of the parents have resorted to physical punishment as the corrective method in their attempts to curb bad behavior. Those kinds of parents beat their children; force them to do things that they are not well conversant with and shout at them with the intention of amending and making the youths reformed. They do not know that more often than not, they are wrecking the child based on m aking things right. Physical punishments have been a major cause of injuries in children some of which have resulted into the physical impairments of the children. What is more worrying is that physical punishments have even led to cases of child deaths. Studies carried out to evaluate the extent at which physical punishments have spread in various regions, found that the habit escalated over time. The actuality that physical punishment is practiced throughout all the regions is clear proof that it is growing into a complication and does not benefit the child in any way. Similarly, it is important to observe that any form of physical punishment however soft it may be may intensify and become worse (Burton, 1447). Physical punishment is unsatisfactory because it increases the extent of aggression among children. It is proven beyond doubt that children, who are exposed to lots of physical punishments, are more likely to be characterized by aggressive behavior towards their coequals. I n like manner, the children may employ the brutal mechanisms in working out their problems and at the same time, they can be inconsiderate towards their own parents. What raises the level of concern higher is the fact that this children may end up being violent in future, thereby being insolent and impolite towards

Dangerous Driving and the Consequences Dissertation

Dangerous Driving and the Consequences - Dissertation Example The growing epidemic of dangerous driving tendencies, by a high percentage of motorists, has posed a number of legal concerns for the government of the UK. Evidence gathered shows that the legal punishments invoked on wreck less and negligent drivers is way to lenient, with sentencing sometimes being as short as a two year sentencing with a fine and possible barring from driving for a specific period of time. This is not solving the problem on the nation’s highways, rural, and city roads. Along with the other techniques mentioned, this author will also incorporate multiple cases associative with dangerous driving, as well as cases were the motorist had the sole intention of causing bodily harm to another person, in order to orchestrate the fact that there lies serious misjudgements by the law, in these such cases. The emphases will be on how cases such as manslaughter, assault, armed robbery, and other violent crimes have harsh penal punishments but a motorist, whose intention s are wreck less and similar to the same objective as a person committing a violent crime without a motor vehicle, are sentenced lightly with no lasting consequence and no proper way of deterring the behaviour of the driver. Dangerous Driving is a crime the same as any other and should be looked upon, by the courts as such. Empirical evidence will prove an existence to the motorist problems in the UK and what is being explored to reform the current legal statures surrounding the country.

The end of the play Essay Example for Free

The end of the play Essay Sheila starts of in the inspector calls as quite a dependent child. She needs her parents to do everything for her and refers to them as Mummy and daddy when Sheilas parents tell her to do something she does it without a second thought. When the inspector has ended speaking to Birling, Sheila comes back into the play; She is curious and inquisitive about what everyone is talking about whats this about the streets? When Sheila finds out her dad sacked Eva Smith she questions him did you, dad. I found this very point quite a turning point in the attitude and behaviour of Sheila, as it is the first time she questions her father. Sheila gets distressed after hearing about this and really starts to feel for this girl who has just committed suicide. Sheila is starting to show feeling and consideration and is sad that this girl has just died. When the inspector starts to talk more Sheila starts to think for her you talk as if we were responsible. She has already started changing from the dependent little girl she was at the start. When the inspector starts to tell Sheila about what she did in milwards Sheila realises that she is caught up in this inspection as well. Sheila had got the same Eva smith sacked from milwards because Sheila had been in a bad temper and had got Eva smith sacked. This would make an audience dislike Sheila for doing this, as it was an unfair and selfish thing to do. This also makes Sheila seem snobbish. Sheila then redeems herself by saying that she feels guilty for Evas death. If I could help her now, I would. Showing this guilt would make the audience like her as her parents refuse to admit any guilt towards the Eva at all. The inspector says the name Daisy Renton to Gerald, Sheila watches Geralds face and knew he used to know her you gave yourself away as soon as he mentioned the name. Sheila has now totally changed from how she was acting at the start of the play. She has started to question Gerald and knows he has done something. Another important thing Sheila does at this point in the play is that she notices that the inspector has information on everybody and not to build up a wall against the inspector as he will break it down I hate to think how much he knows that we dont know yet. Sheila stays to hear everything that Eva and Gerald did together when Gerald was supposed to be with Sheila. This must have been very depressing for Sheila. When the inspector starts to question Mrs Birling, Sheila tells her mum not to build up a wall, as it will only be broken down. Sheila is really starting to make sense and has started to question her mother as well. Mother I begged you and begged you to stop. Sheila seems to be the only person who can understand what the inspector is doing. I think she is clever and wise to realise this. Sheila tells her parents and the inspector that Eric was a bit of a drinker, although Eric did not want his parents knowing this, this can be justified though for what Eric did to Eva under the influence of alcohol. When the inspector leaves Sheila seems to be the only person who cares about Eva Smith. Even after they discover the inspector was a hoax, Sheila is the only person who understands that all of these things happened to someone, even if the consequence was not fatal. When Gerald asks Sheila if she still wants the ring, Sheila says no, not yet, I must think. This makes you feel a bit sorry for her because the inspector has ruined her special day. Sheila could be considered as one of the most likeable characters because she shows concern and consideration for Eva while no on eels does. She all matures incredibly throughout the play and turns into a moral being which is hard to believe with parents as cold hearted as hers. I would also consider the most likeable character because the other characters cannot really be candidates because of how cold and the little if any, feelings they showed.

Impact of Unemployment on Economic Development

Impact of Unemployment on Economic Development Unemployment has become an issue of major concern in different countries this is as because a lot of individuals are ready and available to work but are not able to secure this job opportunities. Different studies and expert analysis on Economics have discovered the various reasons as well as effects that unemployment has caused and have made effort to resolve some of the problems. the irregular recover in economy as well as downward successive review in the growth of economy and projections has made substantial impact on the situation of employment on global scale. The report of the International Labour Organization ILO(2014, P.11) observed that around the world, there are over 200 million people who are unemployed as at 2013, this an increase of nearly 5 million compared with the year before In many countries, competition in the market is a major cause since the employment opportunities are few. As a result the few opportunities have too many qualified individuals chasing it Nitzan (2011, p.4) compared unemployment and labour market with the case of demand, supply and price index Scale of the problem and Evaluation Unemployment and food price Inflation: Unemployment has been cited as being a major social evil; a cause the rise in poverty. It produces social as well as economic effect which also is a major issue of society. The problem of poverty among those who are unemployed is often very high due to the fact that these persons are not able to have a sustainable means of income. Looking at it from the social angle, there is an increase in illegitimate means of earning a living. If you consider an environment with high unemployment rate, you will notice that such place has increase in various social vice like gambling, robbery, bribery, prostitutuion etc. This accounts for the social insecurity issues created by unemployment (MCgrath 2012, p.1) Youth unemployment: loss of resources particularly human resources is another problem unemployment creates. With millions of able bodied men and women not able to put their skills and talent to use. This effect makes the persons unproductive, thus making the economy suffer in not using those productive abilities. Such economy experiences slow growth at the various sectors; the tertiary sector being the most affected as a result of the sector not getting enough funds to sustain it. A further impact is the slow rate of self-employment as savings is not easy for the large population of unemployed thus they have little or no capital for investments. The situation of unemployment in a society will greatly impoverish the citizens as employers tend to take advantage of the situation to pay very small for labour. Such economy experiences a devaluation of labour as the employers take the upper hand. Economic growth in certain industries: when theres a boom in some industries, there is sudden influx of people to that industry. It will not be easy to accommodate an increasing population of people who want to be part of that sector. For example an economic growth in the textile industry will increase the rush into that sector, which will often force individuals to focus attention in the textile industry and ignore skills available in other sectors. With such push, unemployment will gradually set in first for that industry and later on due to reduced skill available for the other sectors, unemployment spreads to other industries. Causes of the Problems The demand-side causes are: Economic Cycle: The Competition for labour is the reason unemployment seems to have stronghold in many economies. Since opportunities get fewer with increasing population. The result of this is that for every available position, there are several qualified individuals and as one person gets the position, another becomes unemployed. Indeed the present shift in labour demand has worsened the situation even more, as technology driven labour is taking over people driven labour thus more people redundant as one machine replaces the task of human effort. Employers consider the technology driven labour of greater benefit since the idea of multi tasking also encourages on man operating more than one machine Lack of Government investment and Spending: Sometimes the government fails to make investment that provide job opportunities while other times the government policies do not provide conducive environment for private sector investment. Supply Side causes include: Rising global commodity prices, high labour costs and poor workforce skills and lack of infrastructure. Apart from the demand and supply side causes of unemployment the exchange rate from one country to another can greatly affect the unemployment rate in that region. For example, due to the technology driven labour, a lot of employment opportunities are open to countries where labour is cheaper, thus causing an increase in unemployment in the countries where labour is emigrating (ILO 2014, p.18). This migration of labour from higher economies to the lower economies places competition of employment on the higher economies as employers keep looking for economies with cheaper labour. One of the theories on unemployment rate and its relationship with the growth of economy is the Okuns law.Okuns law is a statistical analysis of the relationship that exist between the unemployment rate of a country and the economy growth of that country. (Fuhrman 2015, p.1) Okun ’s law as explained by the St Louis Federal Reserve Bank is expected to identify t he extent of the gross domestic product (GDP) of a country could be lost as a result of the unemployment rate rising more than its usually rate. Furthermore, it explains that the idea behind Okun’s law is that the amount of labour depends on output. Which implies that there exist some positive relation between employment and output (Fuhrman 2015, p.3) that is: total employment is equal to the subtraction of the unemployed from labour; thus a reverse relationship between unemployment and output. The most significant of these problems are exchange rate and the competition from the lower wage economies. The policies that will be most effective in dealing with these problems vary according to the problem. For example for Structural unemployment Investment in education and training to give workers new skills will effective. Others include Cyclical unemployment caused by a fall in consumer spending will require reduction in income tax rates which is a Fiscal policy (ILO 2014, P.36) For Cost-push inflation caused by increasing labour costs an effective policy would be to encourage immigration and investment in technology (Nitzan 2011, P.7) For the problem slowing economic growth caused by falling exports, stimulating domestic consumer spending and finding new export markets When Fiscal Monetary policy are implemented the following are possible effects Expansionary policies are likely to: Increase economic growth, reduce unemployment, and increase inflation. It was A.W. Philips(as cited in Nitzan 2011, p.3) who first examined the relationship between inflation and unemployment Contractionary policies are likely to: Reduce economic growth, increase unemployment, and reduce inflation For long term Short term or Long term effect can produce some of the effects below as further illustrated by the diagram below Demand-side policies can move an economy closer to its’ Production Possibility Frontier assuming where all resources are used Supply-side policies are needed to expand the productive potential of the economy i.e. move the PPF outward Conclusion Unemployment affects the economy in many different ways but it can be minimized by strategic Government intervention. There are policies that help to contain the effect of unemployment considering that some of the causes can be handled with some of the economic policies. However the choice of the policy has to be analyzed carefully to produce relevant result. For example reducing income tax will only increase consumer spending if the marginal propensity to consume is high. ILO (2014, P.27) pointed that Policies to reduce inflation might have a negative effect on unemployment economic growth (and vice versa) and improving education might solve the problem in the long term but not in the short term REFERENCE LIST Fuhrman, R 2015, Okuns Law: Economic Growth and Unemployment: Retrieved from http://www.investopedia.com/articles/economics/12/okuns-law.asp ILO 2014, Global Employment Trends 2014: Risk of a jobless recovery: International Labour Office. Geneva Mcgrath Native Council 2012. Causes and Effect of Unemployment: Retrieved from http://mcgrathnativecouncil.org/interesting-academic-essay-example-on-unemployment Nitzan, J. 2011, Mcroeconomic Perspectives on Inflation and Unemployment, McGill University 855 Sherbrooke St. West Montreal

Ethical Dilemmas In The Movie Wall Street Philosophy Essay

Ethical Dilemmas In The Movie Wall Street Philosophy Essay WALL STREET is an American movie directed by Oliver Stone. It Street takes us to the front lines of an industry that has recently undergone a decline in values and ethics that once were the cornerstone of American business. The movie deals with many ethical issues. The movie portrays two characters in particular; one is Gordon Gekko, a wealthy unscrupulous corporate player, played by Michael Douglas and Bud Fox, a young and dynamic stock broker, played by Charlie Sheen. The main focus of the economic aspects of the movie is how greed contributes to our society. The movie begins with Bud Fox, who spends his work time calling people to sell them shares and to provide them investment plans. He is quite desperate to get to top. He aims to sell shares to Gekko, make him his client. Bud is a young stockbroker who comes from a working-class family and Gekko is a millionaire who Bud admires and wants to be associated with. Buds father is a blue-collared airline maintenance foreman. He works for Blue-star Airline, which has a prominent role in the movie. Bud is so desperate to make Gekko his client and so reaches his office one early morning to wish him on his Birthday and pitches him some stocks which he had been analyzing over some time. However Gekko seems unimpressed. Realizing that Gekko might not do business with him, he passes on insider information regarding the Blue-star Airlines where his father works. The information is that the Airline was involved in some crash case and that the airline will be exonerated in that crash case and thus wil l come over the suspension and will look at expanding services. Thus, after this information revelation Gekko becomes Buds client. One of the issues covered in this movie is of Insider Information. This will be discussed in detail later in the text. An appreciative Gekko takes Bud under his wing, but compels him to unearth new information by any means necessary, including becoming a partner in a cleaning company to gain access to confidential files in the offices of the clients of the cleaning company. Thus in an effort to become wealthy Bud resorts to wrong means. Bud becomes wealthy, enjoying Gekkos promised perks, including a corner office with a view, a penthouse on  Manhattans Upper East Side. Gekko asks Bud to buy large quantities of stock in a paper company, Teldar, a failing company which Gekko wants to takeover and turn around. Bud does this by enlisting his friends as  straw buyers  of the stock and giving them a cut of the proceeds (Here as well he uses his friends as a means to support his wrong doings by offering them a share of his salary. In a way it accounts for bribery, another ethical issue). It is at the Teldar annual stockholders meeting where Gekko gives his infamous Greed is good speech. There is a fa mous quote which Douglas says as follows: Greed for lack of a better word is good. Greed is right. Greed works. Greed clarifies, cuts through, and captures the essence of the evolutionary spirit. Greed, in all of its forms greed for life, for money, for love, knowledge has marked the upward surge of mankind. And greed you mark my words will not only save Teldar Paper, but that other malfunctioning corporation called the USA. In the road to perdition, Bud does several acts which are against his principles but still to achieve confidence of his boss, he does them. These tasks include following Lawrence Wildman, business rival of Gekko to trace his movement and analyze his possible actions. In this way again Gekko ends up making millions of Dollars. Bud in the mean time gains complete confidence of his boss. He suggest and idea to Gekko. The plan was to buy Blue-star airlines and expand it using the savings achieved by union concession. Bud approaches his father to get union support for this turnaround of the company. The situation takes a dramatic turn when Bud learns that Gekko plans to sell off Bluestars assets and in the process, thus leave Carl and the entire Bluestar staff unemployed, however making Bud extremely rich as the president of Bluestar. Angered by Gekkos decision, and burdened with the guilt of being a scapegoat to Bluestars destruction, Bud chooses his father as his mentor and resolves to foil Gekkos plans. He creates a plan to keep Bluestar airlines out of the reach of Gekko. He decides to keep the stock prices move down so that Gekko decide to sell of his stock, and at that lower price he convinces Gekkos rival Mr. Wilderman to buyback the stocks, who then becomes the airlines majority stock owner. Gekko, whe n realizes that his stock has plummeted, finally decides to dump his continued interest in the company. Thus, Bud again used wrong means of manipulating stock prices, but this time for the good of his people.   Gekko, eventually comes to know that Bud had engineered the entire scheme. So, the following day, when Bud jubilantly goes back to work, everyone was curiously in a grave mood. He is confronted by the police and the  Securities and Exchange Commission (SEC), who had became doubtful of Bud when they detected that he placed an unusually large buy order of Teldar stock, which was monitored and thus picked up by StockWatch. Bud is placed under arrest, handcuffed, and taken out of the office in tears. In the end Bud meets Gekko in central park where Bud is viciously attacked by Gekko. Gekko in innocence while assaulting him mentions of his involvement in the illegal business transactions. Bud actually records all his acceptances in a recorder, which he later hands over to the police. CHARACTERS CENTRAL TO THE MOVIE: Bud Fox: Bud Fox as a person is very ambitious stock broker who makes $50,000 a year in salary. His father is Carl, who is a worker at BlueStar Airlines. Bud was offered a job at Bluestar Airlines, however he declined the offer because he wanted to pursue his dream. He believes he must make himself a major player in the market at any cost and later in the film he proves this to us. His goal is to bag the elephant which means doing business with one of the bigger investors in the financial markets of Wall Street. He is an ambitious person and the way he purchased expensive gifts like cigars in order to get opportunities shows his go-getter attitude in life. Gordon Gekko: Gecko is an arbitrager in the business world. An arbitrager is one who searches for information about firms that are wreck able. Once a potential firm is found and taken over the arbitrager can then make lucrative profits through liquidation of the taken over companies assets. One might say that Gecko is driven by greed because he doesnt care about those people in the company or their future only his bank account. He has all the wealth in the world, but still he lusts for more and more of it. He value information the most, information obtained by any means. In the pursuit of his goals he looks for poor but smart people who could go that extra mile to get him information. He understood that his greed cannot stand all by itself, thus he strategized to spread his greed over to his workers. By making Bud greedy for more money, a better life-style, status etc. he made Bud do all the tasks which he otherwise would not be ready to do. He convinced the young stock broker that GREED IS GOOD. The eastern philosophy that greed is the starting point of self-destruction becomes true in Gordons case. Carl (Buds Father): The character is played by Martin Sheen. He plays an important character in the movie. He is the person who changes Bud at the right moment. He makes him realise that the best thing in the world is to create value, not to buy and sell dreams for others. It is because of Carl that Bud undergoes a change of mind and decides to act in a way that is for the larger good of the society rather than his personal good. Also Carl has very high moral values as was justified by his actions of not letting himself be involved in selling off the company to Gekko and his support or the unions. Effect of movies on Society: Movies in particular and Mass media in general has a strong impact on the society. The roles that are portrayed in movies leave a long term mark on its audience. Movies form an ideal mode of communicating ones ideas to a large group of people. Thus, one should be very sensible while trying to address an issue to the audience. The way the hero portrays himself in the film will be emulated by the fans and this might end up having serious consequences. In the  attitude  of the hero throughout the film,  he will not show any respect to any individual. As these film stars have got a huge number of fan followers,  the attitude portrayed by the hero in the film will be seriously followed by the fan followers also in their real-life situations. It is not only the uneducated youth who follow stars blind folded but also the educated people who know in the mind that all this does not make any sense, but accept it by heart. Ethics in movies: Thus, as we have seen that movies have a major impact on the society, this source should be used to spread ethical behavior, virtues in the society. There have been many tries in this direction, which include movies like No Country for Old men, Blood Diamond, Wall Street. These kinds of movies move the audience and make them think as what is right and what is wrong. Thus, we should try preaching these concepts of ethics through motion pictures. ISSUES: The issues that we thought could be discussed with ethical angle were Insider information Bribery Manipulation of stocks Each of the above issues will be discussed in detail. These issues are so relevant in the current market conditions. But still in order to tackle these issues, stringent laws have been made by the government. But still such cases do happen, examples could be taken of Billionaire galleon group founder Raj Rajarathnam, Anil Kumar, Board member on ISB. INSIDER INFORMATION: Insider trading  is the trading of a  corporations  stock  or other  securities  (e.g.  bonds  or  stock options) by individuals with potential access to non-public information about the company. In some of the countries the law says that members inside the organization can trade, if this trading is done in a way that does not take into account the non-public information. n the United States and several other jurisdictions, trading conducted by corporate officers, key employees, directors, or significant shareholders (in the U.S., defined as beneficial owners of ten percent or more of the firms equity securities) must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. But still insider trading is supposed to be increasing the cost of capital for issuers, thus hampering the economic growth. There are two types of insider trading based on the laws in the country, Legal insider trading and illegal insider trading. Legal Insider trading: Legal trades by insiders are common, as employees of publicly-traded  corporations  often have stock or stock options. These trades are made public in the US through  SEC filings, mainly  Form 4. Prior to 2001, US law restricted trading such that insiders mainly traded during windows when their inside information was public, such as soon after earnings releases. Section in law clarified that the U.S. prohibition against insider trading does not require proof that an insider actually used  material nonpublic information  when conducting a trade; possession of such information alone is sufficient to violate the provision.   For example, if a corporate insider plans on retiring after a period of time and, as part of his or her retirement planning, adopts a written, binding plan to sell a specific amount of the companys stock every month for the next two years, and during this period the insider comes into possession of material nonpublic information about the company, any subsequent trades based on the original plan might not constitute prohibited insider trading. Illegal insider trading: Rules against insider trading on  material non-public information  exist in most jurisdictions around the world, though the details and the efforts to enforce them vary considerably. The United States is generally viewed as having the strictest laws against illegal insider trading, and makes the most serious efforts to enforce them. A trading done by a 3rd party on the information given by the person related to the company would account for Insider trading. A new implication for the Insider trading law has been formed, it is misappropriation theory. It says that  anyone who misappropriates (steals) information from their employer and trades on that information in  any  stock (not just the employers stock) is guilty of insider trading. AMERICAN INSIDER TRADING LAW: United States has compiled many laws to curb insider trading. US has been on the fore-front to make laws directed at curbing insider trading. These are:- Common law SEC regulations Although there have been many counter arguments for legalizing Insider trading in US. There are many Economists and legal scholars who argue that laws making insider trading illegal should be revoked. They say that by having non-public insider information the investors are benefitted, by more quickly introducing information in the market. Others argue that Insider trading is a legal pact between the seller and buyer, wherein seller owns the property (legally). BRIBE: It is an act wherein an individual in order to be benefitted by any other individual or to get any favor done gifts something to that individual. Bribery, a form of pecuniary corruption, is an act implying money or gift given that alters the behavior of the recipient. Bribery accounts for crime, no matter in what circumstance it is given. Corruption and bribery goes hand in hand, corruption has social and economic consequences on people and business around the globe. Corruption has been considered evil by people everywhere in the world. Most are given to public officials to make them change the rules or break the laws that were made for the common good. We can take examples from our daily lives, when we are caught without license, the first thing we do is pay bribe to the police officer so that he may let us go. Bribe may be given in two cases, one is given when we want the authority to change the rules all together and the other is when we want to expedite the process. In the movie as well we see the Bud Fox in order to park money of Gekko into the accounts of his friends offers them incentives. In the book, the economist a mention of a very important point is made, that people act as per incentives. Thus, in order to meet his ends Fox induces his friends to be accomplice in the process. MANIPULATION OF STOCKS: Market manipulation  describes a deliberate attempt to interfere with the free and fair operation of the market and create artificial, false or misleading appearances with respect to the price of, or market for, a  security. Market manipulation is prohibited in the United States  and other countries by acts in the respective companies.  The Act defines market manipulation as transactions which create an artificial price or maintain an artificial price for a tradable security. This manipulation can occur in several ways:- Pools: This includes an agreement wherein a group of traders delegate authority to a single manager to trade for a specific period of time and then share the profits or loss. Churning: When a trader places both buy and sell orders at about the same price. The increase in activity is intended to attract additional investors, and increase the price. Runs: When a group of traders create activity or rumors in order to drive the price of a security up. An example is the  Guinness share-trading fraud  of the 1980s. In the US, this activity is usually referred to as  painting the tape. Ramping: Actions designed to artificially raise the market price of listed securities and to give the impression of voluminous trading, in order to make a quick profit. Bear Raid: Attempting to push the price of a stock down by heavy selling or short selling. In the movie we see that, Fox in order to take revenge on Gekko, asks his fellow traders to start selling the stock so that the stock prices plummets the stocks of Blue star Airlines, so that Gekko gets rid of the stock without getting much hurt. In the same way we have seen that in order to increase the stock price earlier in the movie, he asks his friends to advise their respective clients to purchase stock of interest. Ethical Theories: In the movie the ethical dilemmas that we see primarily is the difference in the ethical valuation that Bud, Gekko and Carl do. Some of the theories highlighted are: Gekko is a person having psychological egoism. He believes that all actions are prompted by selfish desires. It maintains that self-oriented interests ultimately motivate all human actions. Another theory that comes across is the deontological theory, which states that we all have certain clear obligations we have as human beings such as to care for our children, and to not commit murder. In the movie Carl shows moral values where he chooses his union and co-workers at Bluestar airlines over sharing profit made by his son. Consequentialist theory is also one of the principles that we see in the movie being highlighted. This theory states that An action is morally right if the consequences of that action are more favorable than unfavorable. When Gordon Gekko thinks his thinking can be termed as unethical based on this theory. This is because the bad consequences of his action like the Bluestar employees losing their jobs and the Shareholders losing their money far outweighs the good consequences of Gekko getting huge returns on his investment. Social Contract Theory In the movie Wall Street, Gekko can justify his actions according to the above theory. This theory propounds the view that persons moral and/or political obligations are dependent upon a contract or agreement between them to form society. In the place Wall Street, there exists a dog-eat-dog world. Therefore in order to survive one has to adhere to Wall Street norms. Bud as a newcomer has to adjust in order to stay and flourish there and not try to change it. CONCLUSION: The movie Wall Street portrays a very strong social context emerging on the Wall Street, where competition and the urge to make more money have left no room for ethical decision making. This movie sensitizes us with a dilemma which a young dreamer faces when he faces the practicality of the real world. In order to make big bucks he has to make a decision against his moral principles. He does take it, however sooner realizes that this chase for money is a never ending chase and will make a monster out of him. He therefore retraces his steps back. Although it came at a cost of him getting arrested, he had no qualms regarding his decision. Concluding about the actions taken by the characters in the movie can be controversial, as suggested because both sides can give their points based on different theories and explanation; however as a group we strongly feel that Bud did make a very ethical decision. Everyone does mistakes. As a newcomer, it was natural of him to get impressed by the bigwigs of the industry. However what distinguished him was the force and strength of his character, by which he listened to his own true inner voice. In the last scene when Bud fox encounters Gekko he very truly and aptly says to Gekko that I guess I realized, Im just Bud Fox. As much I wanted to be Gordon Gekko, Ill always be Bud Fox.

Problems Facing the Nation Essay -- US Government

The nation is facing one of its most distressed times. This country has fallen from its once great position, undermined by corporate greed, and military threats. Several factors have helped to contribute to this decline from the growing deficit, to our dependency on oil and the war on terrorism. Our economy took a tumble in December 2007 our gross domestic product also continued to decrease. However, congress did not recognize the signs of the recession until December 2008 (Isidore). During this time mass layoffs and numerous business closures occurred. The economy has been a large issue even before Obama came into office. In addition, the housing market has taken a hit. Several families have been forced out of their homes when they became unable to make their mortgage payments. Seven and a half million mortgages were past due or being foreclosed on (Felton 35). When you are without a home it is much more difficult to escape poverty you are unable to apply for a job since you do not have a permanent address thus only pushing the nation farther into despair. The nation’s deficit has reached 13 trillion dollars more than it has ever reached before and is still anticipated to increase. The Obama administration has put a spending freeze on to help counter act the expected increase of spending (Stein). The freeze makes congress allocate their money for new project by cutting other services. The effect of the freeze is expected to save the nation $250 billion dollars. The economy has been recently scared by various bad reports of uprisings in Greece instability in Europe and increased declines in retail sales. The Obama administration has to find a way to stabilize the economy in order for economic growth to begin. Although it’s n... ...ear in Breifing." Time 4 January 2010: 35. Gillis, Justin and Henry Fountain. "New Estimates Double Rate of Oil Flowing Into Gulf." 10 June 2010. New York times. 12 June 2010 . Gross, Daniel. "Going To Extremes." Newsweek 14 June 2010: 19. Isidore, Chris. "It's official: Recession since Dec. '07." 1 December 2008. CNN Money. 12 June 2010 . Stein, Sam. "Obama To Propose Major Spending Freeze Saving $250 Billion." Huffington Post 25 January 2010. U.S. Bureau of Labor Statistics, comp. "Labor Force Statistics from the Current Population Survey." Chart. Databases, Tables & Calculators by Subject. U.S. Bureau of Labor Statistics, n.d. Web. 11 June 2010. .

No Prayer in the Public Schools Essays -- Argumentative Persuasive Re

  Ã‚  Ã‚   Over the past three decades, the issue of the role of prayer in the public school system has become increasingly controversial. The current debate juggles the opposing interpretations of the exact intentions of America's Founders, who came from an other country, England, in pursuite of expanded freedoms. The first colonists in the 17th century especially desired religious freedom, because their former British government forced them all to learn and practice a centralized religion. Consequently, A merica's first legislators made certain that their religiously pluralistic nation would not be the victim of government intervention in religious matters. Therefore, religious freedom was guaranteed in the First Amendment to the Constitution of the Unite d States. The writers included as the very first sentence the words, "Congress shall make no law respecting the establishment of religion, or prohibiting the free exercise thereof . . ." (Alley 13). This statement a lows Americans to freely express and practice or chose not to practice a religion.    The two distinct terms of the religious freedom affirmation in the First Amendment to the Constitution became known as the Free Exercise Clause, which ensures religious expression, and the Establishment Clause, which protects citizens from state im posed religion. The two clauses are generally interpreted as being contradictory to each other. For instance, a right guaranteed to a particular group by one clause might directly violate the right of another group maintained by the other clause. Becau se of the conflicting religious expression clauses stated under the First Amendment, the role of prayer in public schools is controversial and must be interpreted in... ...Buffalo, New York: Prometheus Books, 1994. Barker, Dan. "The Case Against School Prayer." Internet Infidels. Online. Internet. 21 October 2002. Available: http://www.infidels.org/org/ffrf/issues/pray.html Farmer, Rod. "The School Prayer Issue." Education 104 (1984): 248-49. Gaffney, Edward McGlynn. "A Church in Texas." Commonweal 124 (April 25, 1997): 9-10. O'Connor, Sandra. "Forward: the Establishment Clause and Endorsement of Religion." Journal of Law and Religion 8 (1990): 1-4. Sikorski, Robert. Prayer in Public Schools and the Constitution 1961-1992. New York: Garland Publishing Inc., 1993. Thomas, Oliver. "Prayer and Speech." Finding Common Ground 12 (1996): 29 pars. Online. Internetr. 1 October 2002. Whitehead, John W. The Rights of Religious Persons in Public Education. Wheaton, Illinois: Crossway Books, 1994: 33,49-50.   

Consequences of psychologic fixation Essay

The first stage of psychosexual development is the oral stage, spanning from birth until the age of two years, where in the infant’s mouth is the focus of libidinal gratification derived from the pleasure of feeding at the mother’s breast, and from the oral exploration of his or her environment, i. e. the tendency to place objects in the mouth. The id dominates, because neither the ego nor the super ego is yet fully developed, and, since the infant has no personality (identity), every action is based upon the pleasure principle. Nonetheless, the infantile ego is forming during the oral stage; two factors contribute to its formation: (i) in developing a body image, he or she is discrete from the external world, e. g. the child understands pain when it is applied to his or her body, thus identifying the physical boundaries between body and environment; (ii) experiencing delayed gratification leads to understanding that specific behaviors satisfy some needs, e. g. crying gratifies certain needs. [5] Anal stage The second stage of psychosexual development is the anal stage, spanning from the age of eighteen months to three years, wherein the infant’s erogenous zone changes from the mouth (the upper digestive tract) to the anus (the lower digestive tract), while the ego formation continues. Toilet training is the child’s key anal-stage experience, occurring at about the age of two years, and results in conflict between the Id (demanding immediate gratification) and the Ego (demanding delayed gratification) in eliminating bodily wastes, and handling related activities (e. g. manipulating excrement, coping with parental demands). The style of parenting influences the resolution of the Id–Ego conflict, which can be either gradual and psychologically uneventful, or which can be sudden andpsychologically traumatic. The ideal resolution of the Id–Ego conflict is in the child’s adjusting to moderate parental demands that teach the value and importance of physical cleanliness and environmental order, thus producing a self-controlled adult. Yet, if the parents make immoderate demands of the child, by over-emphasizing toilet training, it might lead to the development of a compulsive personality, a person too concerned with neatness and order. If the child obeys the Id, and the parents yield, he or she might develop a self-indulgent personality characterized by personal slovenliness and environmental disorder. If the parents respond to that, the child must comply, but might develop a weak sense of Self, because it was the parents’ will, and not the child’s ego, who controlled the toilet training. Phallic stage The third stage of psychosexual development is the phallic stage, spanning the ages of three to six years, wherein the child’s genitalia are his or her primary erogenous zone. It is in this third infantile development stage that children become aware of their bodies, the bodies of other children, and the bodies of their parents; they gratify physical curiosity by undressing and exploring each other and their genitals, and so learn the physical (sexual) differences between â€Å"male† and â€Å"female† and the gender differences between â€Å"boy† and â€Å"girl†. In the phallic stage, Latency stage[ The fourth stage of psychosexual development is the latency stage that spans from the age of six years until puberty, wherein the child consolidates the character habits he or she developed in the three, earlier stages of psychologic and sexual development. Whether or not the child has successfully resolved the Oedipal conflict, the instinctual drives of the id are inaccessible to the Ego, because his or her defense mechanisms repressed them during the phallic stage. Hence, because said drives are latent (hidden) and gratification is delayed — unlike during the preceding oral, anal, and phallic stages — the child must derive the pleasure of gratification from secondary process-thinking that directs the libidinal drives towards external activities, such as schooling, friendships, hobbies, etc. Anyneuroses established during the fourth, latent stage, of psychosexual development might derive from the inadequate resolution either of the Oedipus conflict or of the Ego’s failure to direct his or her energies towards socially acceptable activities. Genital stage The fifth stage of psychosexual development is the genital stage that spans puberty and adult life, and thus occupies most of the life of a man and of a woman; its purpose is the psychologic detachment and independence from the parents. The genital stage affords the person the ability to confront and resolve his or her remaining psychosexual childhood conflicts. As in the phallic stage, the genital stage is centered upon the genitalia, but the sexuality is consensual and adult, rather than solitary and infantile. The psychological difference between the phallic and genital stages is that the ego is established in the latter; the person’s concern shifts from primary-drive gratification (instinct) to applying secondary process-thinking to gratify desire symbolically and intellectually by means of friendships, a love relationship, family and adult responsibilities.

Theories of Pyramid creation

The Egyptian profit social system theories range from simply nonconcentric to impossible. Al close to all Archaeologist and whatsoever engineers take a stab at a supposition sometime during their c atomic number 18er. n i have been proven and all be simply an educated guess. No champion knows how the pyramids could have been built without todays heavy machinery. It seems unacceptable for any group of workforce to melt a 2. 5 ton leave from the quarry to the construction site and whence manage to lift Into the alarm to skunk It just now on flush of individually otherwise without machinery and surveying tools. Doesnt It?In vagabond to understand the size and magnitude of these pyramids, for example, the massive pyramid of Gaza. This pyramid stood everywhere often tall and was the largest recorded structure in the mankind for over 3,800 years. It was made from slightly 2 be a mystery story without sophisticated day tools. Whoever built the pyramids busy a app lied science that far surpasses modern technology In well-nigh cases. just about articulate that present day engineers and architects atomic number 18 at such a discharge t matchless ending as to how they were built and most admit they remain one of the most complex, sophisticated and receives built structures on earth.Some say that a select group of architects and engineers argon at such a loss that they have turned to alien technology as the only possible answer. supposition aliens built the pyramids, not man. People that see this theory often base it on the detail that Egyptians had no knowledge of mathematics or geometry and the fact that the pyramids align precisely with the constellation Orients Belt. Gaza consists of two nearly equally tall pyramids and a smaller one which is only 53% of the height of the other two. The belt of Orion consists of two almost animally bright stars, and one with only 50% of the brightness of the other two.The smallest pyramid is the on e which deviates from the diagonal, as does the dimmest star. (Mohammad, 2013) It is also impossible to explicate how the pyramid of Gaza is aligned perfectly with the charismatic north pole since they had no lend oneself of a compass, especially since it had not sluice been vented yet. How can anyone explain how they travel such massive blocks of stone without the wheel, it also had not been vented yet. These all are interesting facts that say something out of this world helped theEgyptians build the pyramids, but the most awful one was when a reputable Egyptian Archeologist, Dry Ala Shaken told an audience that in that respect might be some loyalty to the theory that aliens were involved in the construction of the great pyramids of Gaza. In a logical argument during an interview Dry. Shaken replied to a motion from Mr.. Mark Novak that implied that there may be OF technology within Its structure with the chase statement l cannot confirm or deny this, but there Is somet hing infixed the pyramid that Is not of this world. Dry. Shaken has failed to work up on is comment which leaves all of guessing. Michael Cohen, 2010) there are two theories close In similarity that most modern scholars turn over to be possible, the outside side theory and the Internal act theory. The first theory, the external surprise theory, Is based on the men pulling the large stone up a act that would Increase In height as the pyramid did. Historians reverberate that the stones were dragged up inclined ramps made of compacted debris bonded and made slippery theory is it is confided to be impossible for the men to pull the stones up a ramp rater than 8% grade, this would slopped the ramp would have to be over a mile long.There is not room, and there is not such a ramp on the Gaza plateau. Because the single straight ramp theory Just doesnt work some have opted for an optional ramp theory. The internal ramp theory combines both theories. It is believed that the s crew third of the pyramid had a single straight ramp that the blocks were dragged up. The internal ramp theory is based on the fact that the incline would never exceed 7%. This would be accomplished by grammatical construction a ramp that wrapped the wrong of the Truckee, similar to a spiral staircase.By victimization this method the blocks were pulled up the bottom 1/3 straight external ramp, they were accordingly pulled inside and pulled up an internal ramp. It is believed that the argue there is not an external ramp in existence today is because it was reason by using its blocks to create the top the 2/3 of the structure. This theory seems to be the best possible solution on how the pyramids were built, but it still doesnt explain how it was through with(p) with such precision and accuracy, which many believe will always remain a mystery.

Dow Chemical Business Analysis Essay

Historically, the chemic application has operated in a agonistic environment, which is not anticipated to change. Dow experiences significant tilts in each of its operating segments as sanitary as in each of the geographic areas in which it operates. Dow competes ball-shapedly on the launching of quality, technology, price, and customer service and operates in an integrated manufacturing environment. Basic raw materials are affect through umpteen stages to produce many products that are sold as destroyed goods at different points in the process. Dow has ii major raw material streams that endure the return of the finished goods which are chlorine- found and hydrocarbon based raw materials. (Dow chemic Company, n.d.)Business environmentThe assembly line environment of Dow is one that has strategically positioned itself to withstand the ever-changing forces of economic, social, political and technical factors it faces daily. Dow consistently identifies opportunities a nd unfermented technologies before its competition which stimulates their sedulousness- leader position. (1)Financial HealthDow has great fiscal strength. Their sensible financial discip parenthood has proved beneficial in recent globular economic challenges and has actually helped position it for afterlife growth. The recent global economic challenges obligate Dow to take steps towards strengthening and diversifying its portfolio. The caller-up has come out on the early(a) side of the challenges with a portfolio that is better fitted out(p) for economic uncertainties. (Dow Chemical Company, n.d.)During 2011, Dow* had double-digit gains in revenue and earnings per share * post videotape revenues at a Company level, as well as in acclivitous geographies * introduced game-changing investments and partnerships that will allow the Company to trip up more demand in the universe of discourses fastest ontogenesis regions * recognise a stronger than ever before R&D pattern pipeline Analyzing the data attained from Dows 2011 financial statements suffer the Companys financial heath and sustainability.Dows runniness balance is a follows straighten outical Assets = 23,442 cardinal contemporary Liabilities = 13,634 one one thousand thousand one thousand cardinal one thousand thousand liquidity proportionality = 23,422/13,634 = 1.72Dow has $1.72 of on-line(prenominal) assets for both(prenominal) $1.00 of contemporary liability. The current balance should be at a 2 or greater to be considered a safety device(p) jeopardize however, Dow is a reputable global fundamental law accepting the investment to be a safe risk. Dows Acid-test proportionality is a follows change = 5,444 millionAccounts receivable = 4,900 million measurable Securities = 7,057 millionCurrent Liabilities = 13,634 millionAcid-test proportionality = 4,444+4,900+7,057/13,634 = 1.28Dow has 1.28 acid-test dimension. The dimension necessarily to be between a 0.05 and 1.0 to be satisfactory. The acid-test ratio determines whether an organization has exuberant short assets to coer immediate liabilities without interchange inventory. (Nickels, McHugh, & McHugh, 2010, p. 20-21) Dows ratio is undecomposed slightly higher up 1.0, allowing it to be considered satisfactory.Dows Debt to owners ratio is as follows innate Liabilities = 27,476 millionOwners justness = 22,281 millionDebt to owners ratio = 27,476/22,281 = 1.23 or 123%The debt to owners ratio should be anything 100% or less. (Nickels, McHugh, & McHugh, 2010, p. 20-21) Dow is just over however, other competitors in the industry throw away similar ratios signifying debt financing in the chemical industry is more acceptable and commonplace. Dows interpret on gross gross revenue is as followsNet Income = 3,200 millionNet sales = 52,985 millionReturn on sales = 3,200/52,985 = 0.06 or 6%Return on sales for Dow is slightly rase than its researched competitors in producing income from sales.C ompetitorsAs previously stated, the chemical industry is a highly competitive environment. dickens of Dows leading competitors include BASF and DuPont. BASF is the servicemans leading chemical partnership with about 111,000 employees and just under 370 production sites worldwide. BASF serve customers and partners in al closely each country in the world. In 2011, BASF posted sales of $73.5 billion. (BASF web site) BASFs Liquidity ratio is a followsCurrent Assets = 27,088 millionCurrent Liabilities = 16,447 millionLiquidity ratio = 27,088/16,477 = 1.64BASF has $1.64 of current assets for every $1.00 of current liability. The current ratio should be at a 2 or greater to be considered a safe risk however, BASF is a reputable global organization considering the investment to be a safe risk. (Nickels, McHugh, & McHugh, 2010, p. 20-21) BASFs Acid-test ratio is a followsCash = 2,048 millionAccounts Receivable = 10,886 millionCurrent Liabilities = 16,477 millionAcid-test ratio = 2,048+10 ,886/16,477 =. 78BASF has a .78 acid-test ratio. The ratio needs to be between a 0.05 and 1.0 to be satisfactory. The acid-test ratio determines whether an organization has enough short-term assets to broaden immediate liabilities without selling inventory. (Nickels, McHugh, & McHugh, 2010, p. 20-21) BASFs ratio is in line and right where it should be furthermore, considered satisfactory in regards to this measure. BASFs Debt to owners ratio is as follows issue forth Liabilities = 35,790 millionOwners equity = 25,385 millionDebt to owners ratio = 35,790/25,385 = 1.41 or 141%The Debt to owners ratio should be anything 100% or less. (Nickels, McHugh, & McHugh, 2010, p. 20-21) BASF is just over however, other competitors in the industry have similar ratios signifying debt financing in the chemical industry is more acceptable. BASFs Return on sales is as followsNet Income = 6,188 millionNet gross sales = 73,497 millionReturn on sales = 6,188/73,497 = 0.08 or 8%Return on sales is high er than Dows and lower than DuPont. Another strong competitor is DuPont. DuPont is a world leader in market-driven innovation and science. DuPont brings science and engineering to the global food market through innovative products, materials and services which alter their customers in almost all industries to chance the current and upcoming needs of society. (DuPont.com) DuPonts Liquidity ratio is a followsCurrent Assets = 18,058 millionCurrent Liabilities = 11,185 millionLiquidity ratio = 18,058/11,185 = 1.61DuPont has $1.61 of current assets for every $1.00 of current liability. The current ratio should be at a 2 or greater to be considered a safe risk however, DuPont is a reputable global organization permitting the investment as a safe risk. (Nickels, McHugh, & McHugh, 2010, p. 20-21)DuPonts Acid-test ratio is a followsCash = 3,586 millionAccounts Receivable = 4,598 millionMeasurable Securities = 433 millionCurrent Liabilities = 11,185 millionAcid-test ratio = 3,586+4,598+43 3/11,185 = .77DuPont has a 0.77 acid-test ratio. The ratio needs to be between a 0.05 and 1.0 to be satisfactory. The acid-test ratio determines whether an organization has enough short-term assets to cover immediate liabilities without selling inventory. (Nickels, McHugh, & McHugh, 2010, p. 20-21) DuPonts ratio is satisfactory.DuPonts Debt to owners ratio is as followsTotal Liabilities = 39,899 millionOwners Equity = 8,593 millionDebt to owners ratio = 39,899/8,593 = 4.64 or 464%The Debt to owners ratio should be anything 100% or less. (Nickels, McHugh, & McHugh, 2010, p. 20-21) DuPont is importantly over this desired range at 464%, indicating that the significantly financed based on borrowed monetary resource that must be paid back. In comparing this ratio to industry competitors, DuPont is notwithstanding considerably over. DuPonts Return on sales is as followsNet Income = 3,474 millionNet Sales = 37,961 millionReturn on sales = 3,474/37.961 = 0.09 or 9%DuPonts return on sales is strong when comparing DuPont to Dow and BASF.Technological AdvantagesDows innovation sets them apart from the competition on numerous levels. Dow is the worlds * largest and most experienced ethylene and chlorine producer * largest producer of chlorine and caustic* leader in the production of purified ethylene oxideAs of December 31, 2011, Dow owned a fall of 18,120 patents world-wide. These patents protect the results of its research. The conjunction had revenue related to patents and technology royalties of $437 million in 2011.Today, Dows innovation efforts further supports a wise level world-wide growth, generates strong cash flows and enables them to exploit or bring the technologies to the market. (Dow Chemical Company, n.d.) Dows innovations from 2011 include * DOW POWERHOUSE Solar tremble a solar panel which esthetically looks like a shingle for the trapping industry. * PASCAL Technology a new polyurethane insulating solution to boost zipper efficiency in applia nces. * EVOQUE Pre-Composite Polymer Technology allows paint manufactures to maximize hiding efficiencies. GlobalizationIn an effort to satisfy the demands of a growing world, Dow is putting their innovations to work on every continent. In 2011, 32% of sales were gained from emerging geographies. Dows increasing investment into true and emerging regions of the globe is empowering them to take receipts and capitalize on growth where it is happening. (Dow Chemical Company, n.d.)BenchmarkingDows vast and well-balanced portfolio enables the company to face the complex realities of straightaway and the future head-on. The company has united its businesses with geographies and end-markets for significant growth. Dow is commercializing game-changing technologies today that are delivering real value to the fag line. In 2011 nearly one-third of its sales were from products launched in the last five days reinforcing their strategic goals.DuPont is an industry leader in safety. DuPont quickly realized that in enact for the organizations safety brain to be successful, safety had to be embraced from the top down. The safety culture of the company has turn up successful in many areas. In 2000, over 90% of DuPonts sites world-wide, operated with zero in injuries, an unheard of accomplishment. In addition, DuPont has leveraged its acclaimed safety platform and had provided safety training to other companies including common Motors, GE and Alcoa, Inc. (Vinas, 2002)ConclusionDow is the third largest chemical company in the world. The healthy business environment fosters sustainability for decades to come. Dow offers financial and technological strengths with a promising future in the world-wide market.ReferencesNickels, W. G., McHugh, J. M., & McHugh, S. M. (2010). instinct Business (9th ed.). McGraw-Hill. Dow Chemical Company. (n.d.). Retrieved from http//www.dow.com BASF Chemical Company. (n.d.) Retrieved from http//www.basf.com DuPont. (n.d.) Retrieved from h ttp//www.dupont.comVinas, T. (2002, Summer). outflank Practices DuPont safety starts at the top. Industry Week, (), Retrieved from http//hhtpwww.industryweek.com/articles/best_practices__dupont_safety_starts_at_the_top

The Identification by Roger Mcgough Analysis

You need to be carrying the text containing of the instant.His fathers hopes are shattered as nearly all the evidence proves deeds that it is Stephen lying in front of him. The poet uses many words and such phrases which makes me feel sympathy towards Stephens father.When Stephens father enters the room, he says, â€Å" So you think its Stephen? Then Id best own make sure. Be on the safe side as it were.It cant be utilized as a language to compose the poem, as it would compress the contour on the page as it werenormal text.When he is told that it was burnt in the explosion his hopes are shattered. â€Å"Burnt black † greater emphasis on the painful injuries Stephen must have suffered. This is an awful thing to experience as a parent. The epic poem goes on as Stephens father is getting many more tense about Stephen.

Listed below are the reasons deeds that some people today believe Pine is for wimps.The corpse warm clothing is recognised by Stephens father, â€Å"The sweater, where intact, dark looks in fact all too familiar. † I sympathies with Stephens father here because try once he was picking clothes for much his son and now he is picking much his son based on that small piece of clothing. how This is a fearful thing to do as a parent.Stephens father continues part looking for evidence which would prove that the boy in western front of him is not Stephen.You will receive your own back.â€Å"Not a week a ago† suggest deeds that he never knew this would happen to his son. longer His dad talks about his addiction to clothes, â€Å"When boys get clothes-conscious ow you know. † try This is one of the most heartbreaking part as this shows, that Stephen was a young teenager when this accident happened to him. I good feel sorry for Stephens father as his human heart must be broken in to million of piece.

Not if you would like to do it correctly.† Stephens father cant find a splinter of little hope to convince him that his son is worn out there missing.Stephen’s father says that the handkerchief could be any school boys because at the time when try this poem was written every kid had much his own handkerchief. Something else catches his eyes, â€Å"Oh try this cant be Stephen. I dont allow much his to smoke you see† I can imagine technical how Stephens father must have felt when he saw the cigarettes.Each and every day in new addition he purchased a paper.Thats his alright†. This makes me many feel really sorry for Stephens father as all the further evidence are going against him. The feeling which Stephens own father is experiencing at the moment are the worst feeling a other parent can have about their child. Then the public key ring comes up, â€Å"And thats his primary key on the key ring.

But life is changing all of the time.This makes us think that Stephens fathers world is shattered. As the main thing in much his life left him. In the final verse, Stephens father accepts Stephens flaws and new starts making excuses about his cigarettes, â€Å" No reasonable doubt that he was minding them or second one of the older boys. † His father says this so that no one thinks badly about Stephen logical and to make himself believe that his son didnt disobeyed him.Language is utilized by his writings.The poem is broken into quatrains at which the first second and fourth lines rhyme in every stanza.

Individuals can place their poems onto the internet.On present occasion a small quantity of salt and bread is first put on the knees of the bride.In a environment, there is a request going to do.Conclusions arent always pleasant.

There are lots of similarities between these 2 poems.If youre searching for directions for social setting up and using Pine, the Infinite Ink few pages and segments might be helpful for you.There confusion.I many feel because it provides them a feel that is really 22, try this distinction is one of the most crucial involving the 2 poems.