How to Get a Fit Body

Stop moaning about being overweight and get moving! Everyone cares about their health but to be fit lots of hard work is required. To approve your aim, you must follow three difficult but necessary steps. Willpower, eating less and excercising daily are the most important things that you can do for ensure beautiful body. Belief in yourself is the first step to be fit. As we know doing nothing and just stupidly dreaming can’t help you with your plans. And of course you will waste your time. Firstly what you can do is to be confident that you will fulfill your aim. And of course if you begin to doubt you must submit all the advantages which could help you to support your body in balance. After all if you don’t do that it will be hard to continue your right way to be healthy and refuse to eat the sweets. One of the main responsibilities on diet is to restrict yourself from fatty food and sweets. The menu must be followed in all cases because you might not have another chance to make it up. Make sure you eat right and systematically because your body has adapt this kind of regime it is important for your health especially for strength. And if by any chance you still seem to be lazy to do that, then just shut your mouth. If you eat a lot, it certainly will be very dangerous and very difficult to lose weight by sport. The most effective way of burning calories is by excercising daily. By this man removes all shortcomings from the different part of body. You can have strengthen muscles, long beautiful legs and of course six or eight packs. That’s sounds great! Don’t lie front of the TV, don’t be so lazy and gloomy everything is possible to change in our world. Healthy diet is the best way to be fit. It is very important in our life because today people have a lot of different illnesses which can lead to death. It is very pity everyone can cure himself but not everyone can care about it. You need just think about. These advices will help you to be more satisfied and happy. Just belief yourself, eat more fruits and vegetables and do some sport. That’s all you need for perfect life. Take care!

Summary of Management Consultancy

CHAPTER 1: OVERVIEW OF MANAGEMENT CONSULTANCY SERVICES BY CPAs Introduction to the World of Consulting * Consultants are not all CPAs. Anyone can be a consultant. However, to prosper in consultancy, one has to have the expertise. The most compelling nonmonetary reasons people enter the consulting field are: 1. Sharing their knowledge to help their clients. 2. Building business network and take a step up in one’s corporate career. 3. Having no boss, being independent and making their own decisions. 4. No fear of being laid off. 5. Having a flexible source of income. 6. A means of giving back to the community by providing expertise and assistance in community-based projects. Evolution of MAS The primary factors that contributed to the emergence and growth of management consultancy are: 1. Growth in size and complexity of business. 2. Difficulty in conducting and managing a business. 3. Greater competition among businesses so that new management techniques will have to be applied. 4. Recognition of the importance of accurate and timely information in decision-making. 5. Inability to have a complete line-up of professional management. Developing Trends Management consultancy now specializes in information systems, automated offices, financial analysis and modeling budgeting and cost controls, organization structures, personnel compensation, strategic planning and a host of other areas. * Another trend has been the improvement of business education. * The quality undergraduate and graduate programs in business are producing better-trained entrants into the ranks of management consulting profession. As a result of this infusion, management consulting is becoming a catalyst for advancement of better management concepts and techniques. Technological developments have occurred at a breathtaking pace in such areas as information sciences and decision sciences. * Computer hardware and software, together with data communication and robotics represent powerful tools for business management. Future Prospects A veteran management consultant makes the following predictions: 1. Management consulting will become even more specialized. 2. The consultant’s orientation will be towards being an insight-provider, creator and sharer of information. 3. Management consulting firms will tend either to remain small or to become quite large. Small firma will prosper by focusing upon narrow areas of specialization while large firms will have to develop and offer a wide range of services to sustain their high costs of operations. 4. As consultants grow in number, they will develop more sophisticated means of marketing their services. 5. Bright graduates of accounting, management and business schools will continue to be attracted to careers in management consulting. The Consulting Industry Most definitions of consultancy would include: . Information technology 2. Consulting and system integration 3. Corporate strategy 4. Operations management 5. Human resources management 6. Outsourcing The Main Types of Consultant Firms 1. IT Firms (for example, IBM’s purchase of PwC Consulting) – to increase revenue 2. Accounting firms offering consultancy 3. Major Consulting Only Firms 4. Independents Professional bodies such as PICPA off er professional training and accreditation and provide a forum for all-important networking. Career in Consulting Firms (in ascending order of seniority) 1. Analyst – responsible for gathering information and processing it for the consulting team. 2. Consultants – undertake the evaluation of the client business and make recommendations on its behalf. 3. Senior Consultant or Managers – more experienced consultants that have the responsibility of leading a consulting team. – would typically have 3-5 years of consulting experience. – would be more involved in dealing with members of the client team. 4. Business Development Managers – are responsible for developing the firm’s products and building its relationship with clients. would be involved in some large, complex consulting projects at a strategic level. – most would have 5-10 years of consulting experience. 5. Directors (or Partners) – are the most experienced consultants, who take on responsibility for the development of the organization as a whole and who lead its strategic development. – would maintain contacts wi th senior personnel in the client companies and would have overall responsibility for projects. – would have 10+ years of consulting experience. Nature of MAS by Independent Accounting Firms Management Advisory Services (MAS) by independent accounting firms can be described as the function of providing professional advisory (consulting) services, the primary purpose of which is to improve the client’s use of its capabilities and resources to achieve the objectives of the organization. Management Consultancy can also be described as an independent and objective advisory service provided by qualified persons to clients in order to help them identify and analyze management problems and opportunities. 2 types of encounters with clients: . Consultation- providing advice and information during a short time frame. The advice will be definitive when the consultant is fully aware of the situation and possesses sufficient expertise to require more intensive study or investigation. 2. Engagement- consists of that form of management advisory or consulting service in which an analytical approach and process is applied in a study or project. This approach typically involves: a. Ascertaining the pertinent facts and circumstances b. Seeking and identifying objectives c. Defining the problem or opportunity for improvement d. Evaluating and determining the possible solutions e. Present findings and recommendations f. Implementing the solution, if appropriate And following the client’s decisions to proceed, the independent accounting firm may also be involved in: a. Planning and scheduling actions to achieve the desired results, and b. Advising and providing technical assistance in implementing In combination with knowledge and experience in such areas as: a. Organization and management methods b. Office and management functions c. Systems and procedures d. Data processing methods e. Quantitative methods f. Financial management To produce solutions such as: * A management information system * A sales reporting system * A cost accounting system * A work measurement program * Improved production control * An organization plan with statements of duties and responsibilities, or * An electronic data processing system Rationale of Using Management Consultants A management consultant is hired for at least four valuable reasons: 1. Independent Viewpoint This enables him to see the true nature of the problems and distinguish between feasible and infeasible solutions. Since, he is not involved in the internal policies of his clients, his suggestions are considered unbiased. 2. Professional Advisor and Counselor Business firms generally prefer CPA consultants because of their academic training and examination requirement for the CPA certificate. 3. Temporary Professional Service The use of consultants will be probably less expensive to the company than hiring new managers or employees to provide professional advisory services. . Agent of Change In providing solutions to the client’s problem, changes may have to be made to the organizational structures, to procedures and to job responsibilities. Independent Accounting Firm’s Role in MAS â€Å"To provide advice and technical assistance which should provide for client participation in the analytical approach and process. Specifying this as the proper role recognizes both th e appropriate place of MAS and the realities of practice. This is the only basis on which the work should permit it to be done. * The accounting firm should avoid making management decisions or taking positions that might impair the firm’s objectivity. CPA’s Objective in Engaging in MAS â€Å"To utilize the essential qualifications it has available to provide advice and technical assistance which will enable client management to conduct its affairs more effectively. † Essential Qualifications: 1. Technical competence 2. Familiarity with the client’s finance and control systems and his business problems. 3. Analytical ability and experience in problem solving. 4. Professional independence, objectivity and integrity.

Breathing Underwater by Alex Flinn Essay

Review: Breathing Underwater by Alex Flinn Breathing UnderwaterBreathing Underwater by Alex Flinn is written as a series of journal entries. The journal is written by Nick as an assignment from the judge who also sends him to anger management after the girlfriend he beat up finally presses charges. The book was published in 2001, before the recent increase in dating violence novels, and it tells a story often overlooked, that of the abuser instead of the abused. It’s a delicate subject. And it tells a hard story. Because while Nick is (obviously) not without his faults, he most certainly has his good points as well. And as I read I found myself feeling†¦ not sympathetic, exactly, but definitely feeling something, more than I thought I would. Initially, Nick is angry at being forced into these group anger management classes and he hates the idea of having to keep a journal. He doesn’t think he has a problem, thinks he just needs to pretend to clean up a little so he can get Caitlin back, get the courts out of his face and everything can be perfect again. Because we are reading Nick’s journal, we are privy to his thoughts, his perceptions and misconceptions. But we are also able to read between the lines and recognize that we are missing things, both because Nick is leaving them out and because Nick simply doesn’t see them. The initial entries into the journal are very sarcastic and emotionless. It’s clear that Nick doesn’t want to be bothered with a journal and that he thinks it’s stupid. But as Nick’s story progresses, more and more emotions leak onto the pages until Nick is really keeping a journal and using it as a way to organize his thoughts and face up to painful memories and truths. This is a book with astounding character growth. We learn enough about Nick throughout the course of the story to know that his life is not as easy or golden as his school friends always believed it to be. And Caitlin knew this, which is perhaps the reason that she stayed with him for so long, forgave him so many times. But, even though Flinn offers up Nick’s back story, allowing us to get to know who he is and what life experiences have shaped him, she never excuses or justifies his behavior, and ultimately Nick is not allowed that either. The group anger management class ends up being the best thing that ever happened to Nick, both because of the sympathetic and understanding instructor, and because Nick can see himself in the actions of some of the other members of the class and he doesn’t like what he sees. For such self-assessment to come from a 16 year old who then takes it and applies it to making himself better is amazing. Nick really grows as a person and while I don’t think Caitlin should ever take him back, I also think that he would not easily allow himself to fall back into the patterns of an abusive relationship. He really gets it. This is a story that needed to be told and needs to be read by more people. I don’t think enough people know about this book and I don’t think it’s one that should be missed. It’s painfully hard to read at times. Nick doesn’t hide the nasty things he said to Caitlin, because in the beginning, he doesn’t think there is anything wrong with what he’s done. And then, as he begins to recognize what was wrong with his actions, he starts to expose more of his internal motivations for being so cruel and the thought to action correlation begins to make more sense. Flinn is brave for taking an oft told story and telling the unspoken side of things. It would be easy, in a novel about an abuser to make him either evil and terrible or to justify his behaviors to the point of absolution. But abuse is not a misunderstanding and it’s rarely so simple as to be the actions of the truly evil. And Flinn has captured that beautifully. Nick is human. He is flawed and over time, he begins to accept that and work toward a change. THIS is what Contemporary is all about. Finding these novels that capture a moment in the human experience and open your eyes to it, make you recognize it for what it is, make you learn and grow as a person and help to open windows of understanding into subjects otherwise closed to us. Every side has two stories and it is a brave writer who can so masterfully tell the unpopular one.

Ecosystem toxic chemical threat Research Paper Example | Topics and Well Written Essays - 1250 words

Ecosystem toxic chemical threat - Research Paper Example The environment is vulnerable to dioxins. Plants, animals and human beings are all vulnerable to dioxins. Unlike animals, human beings do not appear to be susceptible to fatal effects of dioxin. In Vietnam, dioxin-based pesticides were sprayed in the 1970’s. Consequently, chronic and acute health effects were observed in military personnel as and in the population of Vietnam. Therefore, this environmental threat is both chronic and acute depending on the genetic makeup of the organism. The severity of potential exposure to dioxins ranges from cancer to noncancer effects. Some of the noncancer effects are endocrine disruption, neurological effects, suppression of the immune system and effects on reproductive and sexual development. 95% of human exposure comes from food especially dairy products, fish and eggs. This is because of dioxins bioaccumulate in body fat of higher organisms. This chemical threat is systemic because it affects all living organisms in the environment. The se threaten the well-being of human beings, rodents, aquatic life and vegetation. The presence of dioxins in vegetation is indicated by wilting or color change in leaves. The methods of eliminating dioxins in the environment are not highly effective. This is due to the complex nature of the dioxin structure. This structure is hard to break down making it difficult to eliminate it from the environmentÃ'Ž The activities that I undertake determine what environmental, chemical threats I contribute to the environment. For an example, driving a gasoline car leads to carbon emission, which is a threat to the environment. Carbon emission also occurs when burning firewood, which is detrimental to the environment. Burning firewood especially in the presence of chlorine leads to emission of dioxins which are chemical threats to the environment. In order to mitigate the threat of dioxins to the environment, institutions such as Environmental Protection Agency (EPA) should regulate dioxin emission by outlining rules that govern the disposal of waste

Inside Job by Charles Ferguson Movie Review Example | Topics and Well Written Essays - 750 words - 1

Inside Job by Charles Ferguson - Movie Review Example Another power montage is put together towards the middle of the film as images of the Hamptons are placed on the screen. The film makes great use of visual imagery and music to create a sense of on screen irony that cleverly demonstrates the devious absurdity of the situation and financial crisis. As the film progresses, it explores a number of experimental visual and narrative techniques. One such narrative technique is the split screen format. This allow the filmmakers to implement an almost cubist like the articulation of a protest rally, giving the viewer a more complex picture of the actual occurrence. There is a continued understanding that the verbal narrative can only be fully grasped through adequate visual components. For instance, after Matt Damon discusses the drastic unemployment rate, the film cuts to empty buildings with a slower and more somber editing pace. While the buildings may not even be located in the region that is being talked about, they have a sophisticated and visually appealing architecture that adds to the film’s overall narrative appeal. The film’s actual narrative is told in a highly engaging and effect way. The filmmakers implement the narrative star power of Matt Damon to relay the story in-between interviews with witnesses and field experts. Indeed, it’s been noted that â€Å"This film is as gripping as any thriller. Aided by some fascinating interviews, Ferguson lays out an awful story†.The film also indicates that the same individuals that started the crisis are still in power.

Australia info Essay Example | Topics and Well Written Essays - 500 words

Australia info - Essay Example Australia has very high scores for both ‘starting a business’ and â€Å"Getting credit† (World Bank). Australia has the world’s 12th largest economy, sustained by a relatively low population of just 23,608,400 people, most of whom are concentrated in a few, highly developed urban centers. Their comparatively geographically isolated location and a small domestic market means that the Australian government is concerned about their future economic growth and local businesses are increasingly looking towards international markets for business prospects (World Business Culture). Australia’s culture has been influenced by their history as a British colony and the lifestyle, language and social ethics of Caucasian migrants who eventually settled in the area. As a group, Australian’s are considered to be down-to-earth people, who appreciate hard work and do not give much regard to a person’s status or position. Modesty, sincerity and authenticity are important in the workplace as well as in personal interaction. There is a sense of humor in their interactions, the humor is often directed at themselves but may be too caustic for someone not used to the Australian culture (Kwintessential). Even though the English is the primary language in use in the country, for outsiders the local dialect and slang language may also be a difficult to grasp as it is uniquely Australian. For business relations, Australians focus on efficient and effective communication which emphasizes punctuality and practicality. It is a low-context culture so negotiations and business meetings are straight forward, with a very low emphasis on building long term, informal relationships between business partners on any kind. However, the brusque manner of business may be unsuitable as an international strategy given cultural differences between Australia

Major Depression Disorder Case Study Example | Topics and Well Written Essays - 3000 words

Major Depression Disorder - Case Study Example The negative effects of MDD are often manifested in the patient’s inability to function normally in a personal and social capacity. Given her other pre-existing conditions, many of the symptoms are enhanced and result in a series of clinical manifestations discussed herein.Mrs. X’s subjective manifestation was initially evident when she has begun to shun speech and the company of others, she spends a lot of time by herself and the few time she speaks she is cynical and very pessimistic. When the social worker asked her if she wanted to go to talk to a doctor, she said he would only try to poison her again and refused anything to do with hospitals. She also contemplated suicide a lot and she would sometimes be heard muttering that God should not take away her health and her ability to â€Å"escape it all†. Her language was generally soft spoken but she displayed some latency in speech, tending to speak slowly and hesitantly and sometimes seeming to lose her stream of thought and wondering of the course of the conversation. On admission, her MMSE (mini mental examination) score was 25/30, he thought the content was low in tempo and the logical coherence was at times challenging. However, after she had undergone medication and two courses of ECT, her speech improved becoming more engaging and she was able to come up with more constructive and logical thought; in the short run, ECT tends to produce more immediate results than antidepressants, however, it negatively affected her short term memory albeit temporally.

Self-Control Theory of Crime Evaluation Essay Example | Topics and Well Written Essays - 1500 words

Self-Control Theory of Crime Evaluation - Essay Example   The social control theory addresses issues that enhance social order and compliance. It analyzes factors that determine whether certain activities are against the law. The theory states that the concepts that one perceives as norms are implied behavioral rules. This means that social stability relies on people’s responsibilities for others based on courtesy and etiquette. Violation of norms leads to punishment that varies depending on the prevalence of the norm. This theory emphasizes the effects of parental influence on crime rate. Positive reinforcement, as understood in the theory, may lead to a safe and happy community. This is because it enhances motivational factors that may foster acceptable behaviors. One of the motivational factors is love. For example, a person who feels loved is likely to love other individuals and become a peaceful person. However, a person who feels unloved is likely to be dangerous like the persons who are abused by the community (Burfeind & Bartusch, 2011). An additional advantage of the theory is its ability to foster social morality. This leads to social order that eventually becomes part of societal processes. This is because moral values become intrinsic features. Additionally, the theory emphasizes the promotion of appropriate behaviors through the development of social consciousness enhanced by attachment. It is fundamental to acknowledge that attachment is the bond that exists between a person, his or her family, and the entire community. The attachment is vital in the maintenance of social order because it encourages deference for authority and acceptance of the norm through commitment. Lack of commitment increases the occurrence of crime in a community, while commitment makes people look for ways of meeting their needs lawfully. Sociologists believe that such involvement discourages unlawful actions. For example, young individuals who are strongly attached to their parents are unlikely to engage in unexpected behaviors compared to persons who are distant from their parents. This is because attachment enhances direct control of children, reducing the probability of engaging in deviant behaviors. Positive reinforcement leads the formation of self-image.   Sociologists posit that one forms one’s self-image during one’s childhood, and this self-image is carried forward to the adulthood. Positive reinforcements can lead to the formation of a good self-image that makes an individual perceive himself or herself as a good person. Individuals with good images do not commit crimes because their conscience cannot allow them. For example, children who perceive themselves as good can resist peer pressure that lead to delinquencies. This is especially the case in places where crime rates are high, especially in informal settlements. People with poor images of themselves are likely to commit crimes because they are bitter (Burfeind & Bartusch, 2011). Additionally, positive reinforcement can enhance moral beliefs. These beliefs allow people to embrace the society’s moral concepts and hinder their involvement in unlawful behaviors. For example, if a child grows up believing that drugs can kill, he or she will not take the drugs (Hirschi, 2001). Negative reinforcement, as understood in the social control theory, increases crime. Factors that lead to negative reinforcem

Comparing Senator Kelly Ayotte and Senator Joe Donnelly Essay

Comparing Senator Kelly Ayotte and Senator Joe Donnelly - Essay Example Ayotte and Donnelly have different leadership traits and hold different political ideologies. There approaches on national matters take a different dimension. Ayotte develops her approach based on bipartisan approaches while Donnelly concentrates on advocating for his party’s political and economic stands. This indicates the two develops their arguments and public agenda. Ayotte advocates for national agendas on grounds that there need to be a sober mind when it comes to security and economic policies (Appendix I). Ayotte being a republican, she has played an important role in sponsoring security and economical related bills in the senate. This indicates her concern on matters affecting the public. Donnelly on the other hand concentrated on his party’s policy in that most of his statements are geared towards driving the Democrat’s stands on key national issues. The two differ in the way they present their agenda top the public. Ayotte has been actively involved in senate debates compared to Donnelly. She has been involved in more senate committees than Donnelly. She represents the change advocated by Thomas and Wilcox (2014) in the 21st century. There active roles in politics and public administration. The subordinate roles played in previous administration and transformed into active members in society. The role played Ayotte surpasses Donnelly’s role in 2015 senate and house committees.

Management Research Paper Example | Topics and Well Written Essays - 250 words

Management - Research Paper Example If keeping a dog soothes him to the extent that he can overcome his daily anxiety at work, it will not only improve his performance manifolds, but will also encourage him to work harder since he would realize that I, being the employer, respected his feelings. Furthermore, I do not think it would be a matter of big concern for Karla since she works at the top floor while Poochey Pie will remain in the basement of the building. However, I shall tell Harry to be specially cautious about not bringing the dog ever in front of Karla. Unions, today, are majorly facing a decline all over the world. (Kochan and Verma, 2010). This concept basically strengthens as more workers are moving to the foreign countries for job. (Weisenthal, 2007). Despite the fact that the role of union has somewhat recessed as more organized management has been emphasized upon globally to lead the organizations, unions today can play an important role in solving workers’ issues. They can practically develop a better link with workers in the present age by making use of the information

Vincor and the new World of wine Essay Example for Free

Vincor and the new World of wine Essay Global Wine Industry new world: U. S. , Australia, Chile, Argentina old world: France, Italy, Spain Australia leader of new world wine exporting Top 10 wine exporters accounted for 90% of total exporting France world leader in wine production and 2nd in exporting Italy old and established industry like France relied on appellation to control quality like France 2nd in wine production, leader in exporting Australia good quality wine, costs low since the 1860’s industry was born, mature 6th for production, 4th in exporting (5. 5% market share in exporting). Chile developed 1979 (new) 10th largest producer, has 4. 5% market share in exporting (ranked 5th) Argentina low quality wine, but long history 5th highest producer but not in top 10 for exporting cannot export (ship) brands that could compete in the higher price classes (more then $100 per bottle) All other countries could compete in shipping the higher price class wine Major World Market growing industry, rose 2. 2% in 2001, estimated to rise 1. 2% in 2002, and projected to expand by 120 million cases by 2010. Most growth expected to come from major wine consuming nations, US, UK, Australia, South Africa, China, Russia (latter 2 were less developed but expected to grow) Half the value of all imports was purchased by three biggest importers: UK, US, Germany France and Italy, top two in the world for per capita consumption, Italy had a small market for imported wines Import market size for France is 12. 4% compared to 2. 4% in Italy UK wine market â€Å"crucible†, small domestic wine production and good relations with wine producers around the world UK number 7 for wine consumption but growing trend, usually dominated by Old world but new world imports had grown as Australia wines replaced French as number 1 import Canada was ranked 30th in world for per capita consumption with increasing trend Japan send steady increase in size of imported wine market Asia presented great opportunity since very populated and untapped The U. S. Wine Industry high quality of wine because of California. US 4th largest wine producer, California wines accounting for 90% of production volume Top states are California, New York, Washington, Oregon Big gains in exporting, 6th in world, biggest markets include: UK, Canada, Japan represent 66% of total export 3rd largest consuming market half for new world, half old world imports represented 25% of market share California wines dominated domestic market with 67% market share Premium wine account for 30% of market and 62% of revenues, growing trend since increased 8% in 2001 Value wines grew by only 1. 5% in volume Largest producer EJ supply 30% of market, no other producer has more then 15% Distribution system of producers to wholesalers to grocery stores/ liquor store/ restaurants Wineries may sell directly to customer Role of distribution channel was growing and taking on greater strategic importance as the trend towards international and domestic consolidation grew The Canadian Wine Industry success in production of high quality wine only dates back quarter century (new) making wines for more then two centuries. VQA launched to make sure leader of Ontario’s wine industry made quality wine Canadian began to recognize when while wineries grew of importance of having the VQA medallion Canadians demonstrated that grape varieties in cooler growing conditions could make good quality wine compared to warmer growing regions (different not worse) Sales of Canadian quality wines were increasing as consumers moved up the quality and price scale Canadian quality wines began to capture both domestic and international recognition not only in sales but also by garnering impressing list of significant awards 1989 award for its icewine in France market exposure for Canadian wines by icewine in European market and expanding market opportunities in US and Asia The Australian. Wine Industry delivers large quantities of high quality branded wine to worlds market, at costs less than many of Old World and New World competitors small domestic market since population only 17 million only way to grow is by going international expected to continue to gain market share in export largest exporter to UK, where 7/10 top 10 wine brands were Australian Exports to North America grew by 27% in volume. Consumption of Australian wine in Canada grew by 24% and in US by 35% Growth trend expected to continue growth driven by sales of premium red wine which accounted for 53% of exports domestic growth rate of 4% annually industry unregulated where wineries allowed to have own retail outlets and sell directly to retailers and on premise customers 7,500 of retail outlets accounted for 56% of sales 28,000 on premise outlets accounted for 44% of sales 4 major wineries accounted for 80% of production (1300 wineries total). Trends in the Global Wine Industry hottest sales category was Australian wines, showing double digit growth rates North American market growth of 3%, growing trend of red wines and premium wines************* Vincor International Inc. in operation since 1989 (new) risk of going to the US was that wine is an agricultural industry and susceptible to changing weather conditions Mission Statement: To become one of the world top 10 wine companies, producing Vincon-owned New World, premium branded wines, which are marketed and sold through Vincor-controlled sales and distribution systems in all major premium wine consuming regions. Where were the big markets largest market of New World sale in US (already there) 10 billion, UK and Australia at 3. 7 billion each, then Canada and rest of Europe at 700 million to be world player needs to be in 5-6 markets international strategy to develop new geographic markets for core brands (icewine) which gave world recognition icewine (Inniskillin) was luxury product in terms of pricing and margins good experience in Asia (one of top five wine brands in select Asian duty free stores) and good experience in US from 2001 launch placed in 1,850 high end restaurants to 2002 sold in 3,300 European launch of Inniskillin in 2002.

Reservoirs of Infection Essay Example for Free

Reservoirs of Infection Essay Nasal carriage is the principal reservoir, and nasal colonization of the individual patient is the harbinger of subsequent infection. Healthcare workers are propounded to be potential reservoirs. Hand carriage and nasal carriage both are responsible, and they can be transient or persistent. For healthcare workers, the environment of care may function as a reservoir of colonization and infection. The body sites of the patients in the care units may specifically colonize bacteria. These include respiratory tract, any site on the skin such as surgical sites, burns, pressure sores, tracheotomy sites, sites of other foreign bodies, and normal skin, and the perineum and the rectum. In these settings, nasal swabs are inadequate, and culture of the wounds, tracheostomy sites, and sputum may be useful. Environmental contamination in a hospital has been known reservoirs, and virtually any surface, appliance, and instruments in the care setting may be suspected, but they seem to play insignificant roles in transmission of infection (Graffunder, E.M. and Venezia, R. A. , 2002). Modes of Transmission: The principal mode of transmission within an institution is from one colonized or infected patient to another via the hands of the healthcare workers, even though he or she is transiently colonized. Hospital acquired pneumonia that happens with MRSA is thought to be transmitted through air-borne infection (Graffunder, E. M. and Venezia, R. A. , 2002). Control: Handwashing is a time-honoured principle of routine infection prevention and control and is considered to be effective in eliminating transient hand contamination with MRSA and other pathogens acquired from patients or the environment. A simple 10-second hand wash with soap and water can ascertain absence of the bacteria from the contaminated hands in most of the cases. However, povidone iodine or alcohol is better washing agent (Graffunder, E. M. and Venezia, R. A. , 2002). Prescription: Decreasing broad-spectrum antibiotic therapy can reduce the risk of MRSA. Nursing workloads need to be maintained as reasonable level so as to maintain standard hygiene that reduces chances of infection. Drugs, such as, vancomycin is indicated in uncomplicated cases of MRSA. The other antibiotics that are recommended are tetracyclines or cotrimoxazole. Minocycline is also active against MRSA. Linezolid is recommended in skin and soft tissue infections caused by MRSA. Clindamycin is also an effective antibiotic, and a combination of rifampicin and fusidic acid and daptomycin have been found to be effective in such cases (Gemmell, C. G. et al. , 2006), (French, G. L. , (2006). Conclusion: MRSA is a threat, and this threat has been caused by the genetic make up of the bacteria and iatrogenic reasons. Strict hygienic measures in the healthcare facilities, awareness of this threat by the healthcare professionals, and appropriate management of MRSA infection along with surveillance still can reduce the spread and epidemic nature of these infections. References Brown, D. B. J. et al. , (2005).Guidelines for the laboratory diagnosis and susceptibility testing of methicillin-resistant Staphylococcus aureus (MRSA) on behalf of the Joint Working Party of the British Society for Antimicrobial Chemotherapy, Hospital Infection Society and Infection Control Nurses Association. J. Antimicrob. Chemother. ; 56: 1000 1018. Enright, M. C. et al. , (2002). The evolutionary history of methicillin-resistant Staphylococcus aureus (MRSA). PNAS,; 99: 7687 7692. French, G. L. , (2006). Bactericidal agents in the treatment of MRSA infections—the potential role of daptomycin. J. Antimicrob. Chemother. ; 58: 1107 1117. Gemmell, C. G. et al. , (2006). Guidelines for the prophylaxis and treatment of methicillin-resistant Staphylococcus aureus (MRSA) infections in the UK on behalf of the Joint Working Party of the British Society for Antimicrobial Chemotherapy, Hospital Infection Society and Infection Control Nurses Association. J. Antimicrob. Chemother. ; 57: 589 608. Graffunder, E. M. and Venezia, R. A. , (2002). Risk factors associated with nosocomial methicillin-resistant Staphylococcus aureus (MRSA) infection including previous use of antimicrobials. J. Antimicrob. Chemother. ; 49: 999 1005. Huang, H. et al. , (2006). Comparisons of Community-Associated Methicillin-Resistant Staphylococcus aureus (MRSA) and Hospital-Associated MSRA Infections in Sacramento, California. J. Clin. Microbiol. ; 44: 2423 2427. Johnson, A. P. , Pearson, A. , and Duckworth, G. , (2005). Surveillance and epidemiology of MRSA bacteraemia in the UK. J. Antimicrob. Chemother. ; 56: 455 462. Millar, B. C. , Prendergast, B. D. , and Moore, J. E. , (2008). Community-associated MRSA (CA-MRSA): an emerging pathogen in infective endocarditis. J. Antimicrob. Chemother. ; 61: 1 7.

Study of alberto Giacometti

Study of alberto Giacometti When working on Units 1 and 2 I was drawn to the human body and this was shown in my work. The human body has always been an interest so this is why I decided to study portraits for Unit 3. There were several things about portraits that interested me. First of all the idea of drawing/painting a portrait of someone and getting it to resemble that person was an exciting idea for me. At a younger age I was interested in getting a likeness of the models I would draw. I wanted to develop that ability. In the past when I had drawn from life I had only used pencil. By choosing this as my theme I knew this would give me the chance to draw portraits using other media. The first artist who helped me start this project was Pablo Picasso. I spent much time studying Picasso by looking at his different periods. I started with his African inspired work. However it wasnt until I studied his Rose and Blue Period that I really became interested in portraits. It was this era of his work that inspired me to study portraits. His works in the Blue Period captured my imagination. I feel they are powerful in capturing mood and emotion through Picassos use of colour, realism etc. This was something that pushed me in the direction of portraiture. I wanted to capture mood and emotion in my portraits. He was the inspiration that led me to study other artists including Giacometti and Lucian Freud. I studied artists which had relevance to my work and to the themes I wanted to explore. Alberto Giacometti: The first artist which I studied was Giacometti. The son of a painter, Alberto Giacometti was born in Stampa on October 10th 1901. He began to draw and model at an early age and in 1919 he enrolled at the École des Arts-et-Mà ©tiers in Geneva. He travelled in Italy in 1920-1921. He studied with the sculptor Émile Antoine Bourdelle at the Acadà ©mie de la Grande Chaumià ©re in Paris from 1922-1925. After sharing a studio in Paris with his brother Diego from 1925-1927, Giacometti set up his own. He would often use his brother Diego as a model. I studied his portrait of Jean Genet. Giacomettis technique with line drawing and gesture was something I wanted to explore through my own work. Another painting which reminded me of his style was a portrait of Giacometti. I chose this portrait because of the artists style in gesture drawing. I was interested by his ability to capture his models expressions through line and gesture drawing. I used this technique in my initial sketches in order to feel my way around the subject. Something that I found very interesting was choice in colour. The colours he uses in this particular portrait are all very warm (consisting of different shades of browns). They give a feeling of warmth and comfort yet the expression on the models face appears quite sad and cold. I found this to be somewhat of a paradox. This use of expressive colour I found very exciting and was a concept that led to more research for my project. I decided to paint a self portrait keeping these paints in mind. It led to the creation of a self portrait in this style using similar colours too. One technique the artist has used that I tried to show in my work was the layering of paint thickly. I felt this added volume and history to the portrait. Giacometti uses strong and thick layers of paint in order to emphasise the contrast between light and dark. He paints a dark figure on light background. I found the texture of the brush strokes very interesting but also hard to create in my own work. Giacometti usually focused on sculptures of the human body and for one of many portraits he created, this one shows how skilful he was at creating figures. I think the main aspect, of his paintings I have studied, that captures my interest is his style of painting. He uses free brush strokes and brush strokes which are applied like the crosshatching pencil strokes in a drawing. The shapes he creates with these brush strokes I think are most effective. I have tried to use mark making in my own work in this way. Francis Bacon: Having completed my self portrait I began to feel that it would be a good idea to try and capture expression in my work. I was interested in Francis Bacons expressions that he created in his models faces. Often distorting the faces, Bacons portraits and self portraits push the boundaries in portrait painting. The mood in his paintings is often sombre. Bacon uses dark colours such as dark green, blue and black. Much of his work conveys feelings of suffering and despair. His work is similar to that of cubist style painting and reminds me of Picassos work, such as the Demoiselles dAvignon, in particular the facial expressions of the figures. I studied The Screaming Pope. Bacon completed this painting after being inspired by Velazquezs portrait of Pope Innocent X in 1953. Bacon creates a claustrophobic and nightmarish scene. The figure of the pope is ghost-like. He looks dead or like he is dying. There is a haunted feel about the painting. The screaming face of the pope and the strokes down the painting adds to the horror of the image. One can almost hear his cries. I am not sure why Bacon decided to create such a horrific image of a religious figure who is seen by many as someone holy and graceful. Bacon may be expressing his feeling toward religion or to the concept of the pope. The fact that Bacon was a catholic who later came out as homosexual, perhaps he was suffering from quiet retribution. He may also have been challenging the status of the pope, shocking the public. Bacon had asthma as well as allergies to horses and dogs. During his attacks, he was given morphine, a strong drug, which may explain some of the creative expression in his work which have the quality of drug hallucinations. I am interested in this portrait; the colours convey a sense of horror. The use of purple and gold compliment each other very well but also signify riches and royalty. The black shadows in the background may represent growing shadows around the figure. The use of these colours and the dark aggressive feeling Bacon creates are very effective. When looking at the painting one can almost feel shivers down ones spine. The fact that you can see through the figures robes and that no legs are visible adds to the horror of this painting. After studying this painting I felt compelled to create a piece aiming to capture emotion in a similar way. I wanted to capture the expression in my portrait as Bacon did. I did another self portrait however this one differed from the first. I used different shades of blue acrylic paint. I did not however paint the whole face. Focusing from the nose down to the neck I painted a piece in which my mouth was wide open. I did this to try and capture a similar atmosphere which Bacon captured in The Screaming Pope. By focussing on the shapes created by the lips and cheeks, I was pleased with the result. However I think that perhaps the texture of the hardboard breaks up the brush strokes and makes the brush marks difficult to see. Lucian Freud: When it came to studying Lucian Freud I was amazed by the way he creates skin texture. One of his finest pieces of work was his self portrait entitled Reflection. Portraits and nudes are Freuds specialties and with this piece it is clear to see why. The thing I found most fascinating about this piece of art is the texture of the flesh. Freud seems to capture the raw and ugly nature of the human flesh. In this self portrait Freud has successfully captured every wrinkle and crevice on the face. He uses strong contrast in shadow and highlights and this is something I took into consideration with future paintings. His brushstrokes are carefully applied to create an accurate portrait, whereas Giacomettis portraits and figure drawings have a more abstract quality. Lucian Freuds portraits are so realistic that they become almost surreal. Freud captures every shadow and highlight in a meticulous manner and I was interested in achieving something similar in my own work. There is a strong significance about the colours and paint he uses: I want paint to work as flesh my portraits to be of people, not like them. Not having the look of the sitter, being them as far as I am concerned the paint is the person. I want it to work for me just as flesh does. www.about.com/painting Freud uses a granular pigment called cremnitz white to achieve his unique painting of the flesh. I mixed sand with paint to give more texture to my paint to imitate the texture. I thoroughly enjoyed working with it. I felt it added character to the portrait and made the texture of the skin far more interesting. I found the texture of the hair quite intriguing. I liked the rough and coarse look Freud creates and it was an option to try and achieve a similar look when painting my models hair. However the hair was probably the thing I had most trouble with. I struggled with texture and colour. Perhaps I should have spent more time studying how artists paint hair put it into practice before applying it to a large portrait. The expression in Freuds self portrait is interesting in relation to what it is I am trying to achieve in my work. I have looked closely at the forehead: the lines created from the artists frown. This was something else that I wanted to achieve in my own work. Final Pieces Self Portrait: This portrait was inspired by the portrait of Giacometti which I studied. Using similar colours I attempted to get that similarity to his work. For a first attempt I do not believe I achieved this. I did however succeed in getting a self portrait to actually look like me. This was a great boost of confidence for a first self portrait. From this piece I learned that I should create the background and plan it at the early stages of the portrait. I learned that the background is just as important as the face when creating mood or atmosphere. Oil Pastels on Brown Paper: This was the first time I used oil pastels for a large piece. My aim was to try and set a mood of strong emotion, so I went for feelings of anger and rage. This idea was inspired from paintings from artists such as Picasso and Bacon who use colour to manipulate the mood of their work. I used a strong red to achieve this, combined with black for shadows, orange for mediums and yellow and white for highlights. I drew from life. While looking in a mirror I tried to draw myself with an expression of anger. From this piece I learned how effective colour is in a portrait. For example I could have used a different colour other than red and a different feeling of emotion may have been evoked. Open Mouth Acrylic on hardboard: The aim with this piece was to capture emotion, a feeling of pain, fear or shock. I thought the use of different shades of blue would emphasise these feelings. This was influenced by works from Francis Bacon. The emotion in some of his paintings such as The Screaming Pope appealed to me and I wanted to portray that emotion through my work. However, I decided to take a different approach. Rather than painting my whole face I focused only on the bottom half, from the end of the nose down to the chin. My intention was to capture the emotion from just the open mouth, as I felt that is where most of the strong feelings of emotion exist in Bacons The Screaming Pope. Eyes can often show a persons true feelings, so I wanted achieve this without painting the eyes. The recycling of the hardboard was chosen to give myself experience working with other material. I used the rough side of the board to add texture and to give the piece some more character. In all I felt I had successfully created feelings such as pain and fear through not just my use of a cold colour like blue, but by focusing on the wide open mouth. Portrait of Brother: On A3 paper, I drew a portrait of my brother in pencil, from life. Before this I had practiced drawing portraits in pencil from photographs. This was to prepare me for drawing from life. I wanted to get an idea of shading, proportion, texture, etc. It was a challenge drawing from life as I was quite comfortable with drawing from photographs, however I needed to take that step in order to develop my skills in drawing portraits. Looking at the portrait now I see it lacks in volume. An obvious problem was that I only had a 4B and 6B pencil, so I learned the importance of having different grades of pencils. The portrait required more time in capturing the highlights and shadows. I also had a slight problem with measurements, as the eyes were a little out of proportion. I learned to spend more time in studying shading and to be stricter with my measurements. After drawing this portrait I then photocopied it. Working with the photocopies I tried to capture mood atmosphere by adding colour. I used blue oil pastels in the picture which ultimately led to a colder mood. I also tried to get a different effect. After colouring the picture I scrunched up the paper into a ball and dampened it with water. This then led to cracks on the page which I felt added to the mood, perhaps suggesting a mood of feeling cold and broken, etc. I then used a photocopy to draw it in a larger scale and with different material. Drawing on a sheet of brown paper larger than A2 I used chalk pastels with colours like orange, yellow and blue to try and get different effects. However I soon learned that there is a right way and a wrong way to use brown paper. I used the smoother side of the sheet which led to problems. It proved very difficult to work with as the chalk did not stick well. Portrait of Mother Pencil Charcoal: with this piece I drew my mother from life at a profile view. This was the first time I had drew someone at this angle, so I was interested to see how it would compare with my previous portraits. I used pencils grading from 2B up to 6B. I also used a rubber for the strong highlights that appeared on her hair. I found it challenging doing a profile view. I found that I had to be much more aware of the measurements from the ear to the eye and from the eye to the bridge of the nose. This was quite a challenge but I feel I was quite successful in getting the measurements quite accurate. I achieved a likeness in the drawing to my mothers face so this I felt was an achievement. I then moved on to a bigger piece using this drawing as a guide. On A2 grey card, I created a charcoal copy of the drawing. First however, because of our schools lack of resources, I was restricted to using a sheet of card, which was of poor quality. It had a shiny texture that did no agree with the charcoal. To solve this problem I mixed grey paint with sand. This changed the colour of the sheet but also made it rougher to allow the charcoal to stick. My measurements were a little off this time leading to a failure in getting a likeness to the model. I used the black of the charcoal for the dark shadings, the grey pain acted as a medium and I used white chalk for the highlights. From this I learned that it is possible to create better textures with the use of substances such as sand mixed with paint. I also learned that I have to be even stricter with my measurements as the charcoal piece was less accurate in comparison to the pencil drawing. Portrait of Tom: I drew a classmate from life using charcoal. When drawing this I wanted to explore different effects from light. I did it in a dark room with one office lamp. I feel I was quite successful in getting a likeness. My proportion has become more accurate. I then painted a final piece from this charcoal drawing. This I found a challenge as it is the largest portrait I have done yet. My aim was to get a Lucian Freud look and feel to it. I painted on the background first as I had learned from the past that it was easier to work in this progression. I painted thick brush strokes to create texture. I used shades of cream and pink for the skin colour. Then for the highlights I mixed sand with paint to give more texture to my paint to imitate the texture of Freuds cremnitz. I enjoyed working with this as it created an unusual and interesting texture. It proved to be effective in contrasting the highlights with shadows. The size was important as I wanted to experience with working on something large scale also I felt it would have a larger impact.

How To Surf The Internet :: essays research papers

How to Surf the Internet The term "Internet," or "The Net" as it is commonly in known in the computer business, is best described as an assortment of over one thousand computer networks with each using a common set of technical transfers to create a worldwide communications medium. The Internet is changing, most profoundly, the way people conduct research and will in the near future be the chief source of mass information. No longer will a student have to rely on the local library to finish a research essay - anybody with a computer, a modem, and an Internet Service Provider can find a wealth of information on the Net. Anybody with a disease or illness and who has access to the Internet can obtain the vital information they are in need of. And, most importantly, businesses are flourishing at this present day because of the great potential the Internet holds. First of all, for a person to even consider doing research on the Internet privately they must own a computer. A computer that is fast, reliable, and one that has a great deal of memory is greatly beneficial. A person also needs a modem (a device that transmits data from a network on the Internet to the user's computer). A modem's quality and speed are measured as something called a baud rate (how fast the modem transmits data in bits and kilobits - similar to grams and kilograms). A kilobit is a term simply used to describe the speed of a modem. For example, if somebody was to go out and purchase a 2400 baud modem, they would be buying a modem that transmits data 2400 kilobits per second which is definitely not the speed of a modem you want if your thinking of getting onto the Internet. The speeds of modems then double in the amount of kilobits that can be transmitted per second going from 4800 baud to 9600 baud and so on eventually getting up to 28800 baud (which is the fastest modem on the market right now). To surf the Internet successfully, a person will have to own a 9600 baud or higher, and with recent advancements the Internet has offered, the recommended speed is a 14400 kilobytes per second modem. A modem ranges in price, depending on the type of modem you want, the speed you need, and if it is an external or internal type, modems range from as low as $20 to as high as $300. If a person is unequipped with a computer most local libraries and nonprofit organizations provide Internet access where research can be done freely.

T.S. Eliots The Waste Land and Yulisa Maddy’s No Past No Present No Future :: Eliot Wasteland Maddy Future Present Past Essays

Death and Dying in T.S. Eliot's The Waste Land and Yulisa Maddy’s No Past No Present No Future I am immortal. Although I realize that I will die, I don’t believe it. The fear of death motivates me to ignore my mortality and, in motivating me to ignore, allows me to live a jaded, happy life. If death were a predominant thought, then appreciating life would seem difficult—unless of course I changed my name to Harold. Everyone confronts the idea of death sooner or later; different people just deal with death in different ways. Death or the fear of death can create a greater appreciation of life. I once heard a story about a monk. This monk was on a walk through the woods one day when a bear or a lion or a reasonable facsimile thereof appeared as if from nowhere. The monk’s ‘fight, fly, or hit the fence’ mechanics kicked in, and he was off. He was chased to the face of a cliff, so he began to climb it. Now the cliff was a vertical wall, and the monk was unable to climb very high. He clinged to the smallest of cracks in this wall. When he looked down, there were more of whatever had chased him there, but when he looked back up, he noticed a strawberry growing on the face of this cliff. He ate the strawberry—it was perfect. The strawberry was far from perfect, but because death was ten feet below him, it tasted better than any meal he had ever had. Death created a greater appreciation of life in the monk. Life should be lived out at every moment; death creates immediacy in living li fe to the fullest. As T. S. Eliot put it, "I will show you fear in a handful of dust." Eliot’s The Waste Land is the portrait of a society whose culture and infrastructure is dying. The post-WWI-era saw Europe decaying. The massive destruction to its cities combined with the incredible loss of life created disillusion in Europe. But The Waste Land is not merely a picture of European society dying; it is Eliot’s commentary on his society, and his attempt to save it. Tiresias is the only main character in The Waste Land. He rarely has an active role in the poem, though. He serves as an onlooker—a reporter—to and a narrator of this waste land: Unreal City, Under the brown fog of a winter dawn, T.S. Eliot's The Waste Land and Yulisa Maddy’s No Past No Present No Future :: Eliot Wasteland Maddy Future Present Past Essays Death and Dying in T.S. Eliot's The Waste Land and Yulisa Maddy’s No Past No Present No Future I am immortal. Although I realize that I will die, I don’t believe it. The fear of death motivates me to ignore my mortality and, in motivating me to ignore, allows me to live a jaded, happy life. If death were a predominant thought, then appreciating life would seem difficult—unless of course I changed my name to Harold. Everyone confronts the idea of death sooner or later; different people just deal with death in different ways. Death or the fear of death can create a greater appreciation of life. I once heard a story about a monk. This monk was on a walk through the woods one day when a bear or a lion or a reasonable facsimile thereof appeared as if from nowhere. The monk’s ‘fight, fly, or hit the fence’ mechanics kicked in, and he was off. He was chased to the face of a cliff, so he began to climb it. Now the cliff was a vertical wall, and the monk was unable to climb very high. He clinged to the smallest of cracks in this wall. When he looked down, there were more of whatever had chased him there, but when he looked back up, he noticed a strawberry growing on the face of this cliff. He ate the strawberry—it was perfect. The strawberry was far from perfect, but because death was ten feet below him, it tasted better than any meal he had ever had. Death created a greater appreciation of life in the monk. Life should be lived out at every moment; death creates immediacy in living li fe to the fullest. As T. S. Eliot put it, "I will show you fear in a handful of dust." Eliot’s The Waste Land is the portrait of a society whose culture and infrastructure is dying. The post-WWI-era saw Europe decaying. The massive destruction to its cities combined with the incredible loss of life created disillusion in Europe. But The Waste Land is not merely a picture of European society dying; it is Eliot’s commentary on his society, and his attempt to save it. Tiresias is the only main character in The Waste Land. He rarely has an active role in the poem, though. He serves as an onlooker—a reporter—to and a narrator of this waste land: Unreal City, Under the brown fog of a winter dawn,

Behind The Lines: Spies In The Civil War :: essays research papers fc

Behind the Lines: Spies in the Civil War   Ã‚  Ã‚  Ã‚  Ã‚  The Civil War was the bloodiest, most devestating war that has ever been fought on American soil. It began on April 12, 1861, at 4:30 in the morning. The main reason that the war was fought was because Southern states believed that they should have the right to use African-Americans as slaves, and the Northern States opposed that belief.   Ã‚  Ã‚  Ã‚  Ã‚  Millions of American men and women fought against each other in this war, and more than half a million died. Yes, that is a fact. The men were usually soldiers. Women tended to be nurses, aides, or doctors, although some of them posed as men in order to be able to fight in the war. Some of these men and women, though, were spies. Instead of fighting with guns and ammunition, these people fought through secrets and sabotage. These tactics turned out to be essential. Battle could be won or lost depending on information aquired from spies.   Ã‚  Ã‚  Ã‚  Ã‚  Back then, spying was hardly the same as it is today, with all of our high-tech gadgets and well-organised secret agent groups. However, most of the things that spies do today were done in the nineteenth century just as effectively. On thing that spies did was send messages, which were usually about the enemy's plans and movements, their troop size, their supplies, and the placement or strength of their forts. Many used coded messages with words that stood for different words. Some had different symbols for letters and numbers. Some spies even used inivisible ink. The spies also had ways of concealing the messages that they had to deliver. Messages were often hidden in articles of clothing. People had to write on silk, that was then sewn into clothing, and spies could also hide information in large metal buttons. Women's clothing was ideal for hiding things in. Sometimes, they would even hide people under their hoop skirts!   Ã‚  Ã‚  Ã‚  Ã‚  Two other things that spies did often were interceptin gmilitary dispatches and sending supplies. Supplies were often hidden in the same places that messages were hidden. It was also common practice for Confederate spies to hide morphine in the heads of dolls to smuggle it in from the North, as morphine was a painkiller that was desperately needed in Confederate hospitals.   Ã‚  Ã‚  Ã‚  Ã‚  If a spy was caught, they were usually treated just like common criminals. The penalty for being a spy was most often death by a public hanging, although many spies begged to be shot to death, which was considered to be a more honorable way to go.

Chapter 2 Review Questions †Information Systems Essay

1. When determining the appropriate hardware components of a new information system, what role must the user of the system play? a. People involved in selecting their organization ´s computer hardware must clearly understand current and future business requirements so they can make informed acquisition decisions. 2. Identify two characteristics of RAM and ROM. a. Random Access Memory is temporary and volatile. Read-Only-Memory is nonvolatile and permanent. 3. What is RFID technology? How does it work? a. Radio Frequency Identification is a technology that employs a microchip with an antenna to broadcast its unique identifier and location to receivers. The purpose of the system is to transmit data by a mobile device, called a tag, which is read by an RFID reader and processed according to the needs of an information system program. 4. Identify the three components of the CPU and explain the role of each. a. The arithmetic/logic unit (ALU): The part of the CPU that performs the mathematical calculations and makes logical comparisons. b. Control Unit: The part of the CPU that sequentially accesses program instructions, decodes them, and coordinates the flow of data in and out of the ALU, the registers: the primary storage, and even secondary storage and various output devices. c. Register storage area: special, high-speed area within the CPU; temporary storage area. It works under the control of the control unit. 5. What is Solid State Storage technology? What advantages does it offer? a. A flash drive is an example of SS technologies. It stores data in memory chips rather than magnetic or optical media. b. Memory chips need less power and provide faster data access, and have only few moving parts, so that they are less fragile.

Thermodynamics of the Dissolution of Borax

CHEM 212 Laboratory – Dissolution of Borax Formal Lab Report Instructions Title Page: Experiment title, your name and partner name, course and section number, date, Signed honor code statement, and abstract. I (your name here) pledge that this assignment has been completed with accordance to the George Mason University Honor Policy as well as the policy set by the course. This work is my own and bears no resemblance to any other student's work (past or present). x__(Signature)______ Purpose Reference Materials and Chemicals Reaction: Procedure Results: Raw Downloaded Data Calculated Data for each temperature: oles of HCl moles of borax concentration of borax Ksp ?G- using both equations (A and B! ) Sample calculations – calculations of your data alone for all of the items listed above ? Graph lnK vs 1/T Show a trendline and provide the R2 value Determine ? H (kJ/mol) and ? S (J/mol K) from the graph SHOW HOW YOU DO THIS!! Printing Tables: ? Large tables should be printe d in the landscape mode and sometimes it might be necessary to go to â€Å"page setup† and select â€Å"Fit to 1 page† to make the page fit on one page. ? Include column and row headings on the printout so that the instructor can more easily understand equations used.This can be done by going to File > Page Setup > Sheet tab > Select â€Å"Row and Column Headings†. Discussion: In your discussion section address the following questions: ? Why is it unnecessary to precisely measure the amount of solid borax used? (This answer should be greater than 3 sentences in length! ) ? Should Ksp vary with temperature? Does it? Why or why not? ? Does the graph of ln (Ksp) v. 1/T have any deviating values? If so why? What could be the sources for these errors? ? Discuss the logic behind the determination of ? H and ? S.

ABC company’s Risk Profile Essay

ABC Company Risk Profile The ABC company is a manufacturing firm that specializes in making cedar roofing and siding shingles, with recent sales at $1.2 million, the company wants to reach the $3 million mark over the next 3 years. As a newly hired Corporate Controller for this company, I have been assigned the task of developing and overlooking a new plan made by the CEO that will use some of the shingle scrap materials to build cedar houses. The newly develop plan will certainly bring new challenges for the company on the form of increased cost and labor; However it will also provide additional revenue and gross profit to help reach the growth targets. On this paper I would go over the details of the report made for the CEO that includes information on the overall risk profile based on actual market conditions, a current company cash flow, the product cost and any potential investments that might accelerate profits. See more:  The Story of an Hour Literary Analysis Essay The Risk profile for this company includes several different factors that are mostly due to current market conditions, and the level of risk the company will face by adding extra inventory and expenses. Unfortunately risk is a reality of doing business, whether the company is large or small, public or private, risk will always be present since nothing on the business world warrants a guarantee. Some of the key risk points are: Inventory represents a big portion of the cash flow, therefore having extra inventory on hand will have an impact on the company’s future cash flow; payroll is also directly related to the cash flow since it takes a big portion of the monthly budget, therefore increasing the manufacturing capabilities of the factory as well as adding a new line of production will increase the payroll thus having an impact on cash flow reports; Economic downturn, that might affect prices of inventory to be purchased, therefore affecting the potential growth as well as hav ing an impact on reaching  forecasted company goals.

Law of Tresspass

LAW OF TORT LAW2002-N 20011/12 Lectures 3 and 4: Trespass to the Person Lectures 5 – 12:Negligence TRESPASS TO THE PERSON Reading: Steele Chap 2 to page 81; Street Chap 3; Winfield Chap 4. ASSAULT AND BATTERY Introduction Battery: intentional application of force to another person. Assault: act of the defendant which causes to the claimant reasonable apprehension of the infliction of an immediate battery on him by the defendant. Battery 1. The character of the act of D a)It must be a positive act. b)D must have control over what he is doing. c)There must be force and contact. Collins v Wilcock [1984] All ER 374Wilson v Pringle [1987] QB 237. In Re F (Mental Patient: Sterilization) [1990] 2 AC 1 2. State of Mind ie. the relationship between trespass and negligence. Letang v Cooper [1965] 1 QB 232; [1964] 3 WLR 573; [1964] 2 All ER 929; [1964] 2 Lloyd's Rep. 339. Note that since Fowler v Lanning [1959] 1 QB 426; [1959] 2 WLR 241; [1959] 1 All ER 290. C must prove that D acted in tentionally or negligently. 3. Livingstone v Ministry of Defence (1984) 15 NIJB – transferred malice 4. No consent by C and the burden is on C to prove it. Freeman v Home Office (No 2) [1984] QB 524 5. No damage need be proved. Assault 1.This means the act of putting another person in reasonable fear or apprehension of immediate battery. eg. pointing loaded gun shaking one's fist under C's nose. But not shaking fist from window of departing train. Thomas v NUM [1985] 2 All ER 1, 24 2. Mere words are not assault however menacing: there must be threatening acts Meade's Case (1823) 1 Lew CC 184 â€Å"No words or singing are equivalent to assault†. cf. R v Wilson [1955] 1 WLR 493 However a)There is no clear authority on this rule. b)In the nature of things threatening words are usually accompanied by threatening gestures. c)Words accompanying a menacing gesture may negative ts being an assault. Turbervell v Savadge (1669) 1 Mod. Rep. 3; 2 Keb 545; NoteStreet says that it i s preferable to treat this statement as merely an illustration of the principle that D must have caused C to apprehend an immediate contact rather than to make it a separate rule. A case to be distinguished is where there is a conditional threat: Ansell v Thomas [1974] Crim LR 31 See also Read v Coker (1853) 13 C. B. 850 3. Pointing a loaded pistol is obviously an assault. What if it is unloaded but C does not know this? There is one criminal case where it was the ratio that to point an unloaded gun at P is an assaultR v St George (1840) 9 C&P 483, 492. 4. If D's blow is intercepted by a third party this will still be an assault. Stephens v Myers (1830) 4 C 349; 34 R. R. 811. 5. The act of D need not produce actual fear just reasonable apprehension. 6. There can be battery without assault. FALSE IMPRISONMENT Definition:The infliction of bodily restraint which is not expressly or impliedly authorised by the law. – Winfield. State of Mind This tort normally involves an intentio nal act in the sense that D must intend to do act which is at least substantially certain to effect the confinement.It is, however, a tort of strict liability in that there need be no intention to act unlawfully – R v Governors of Brockhill Prison ex parte Evans No. 2 [2001] 2 A. C. 19 Malice is irrelevant. On principle negligence ought to be enough. â€Å"Accordingly, if a person locks a door being negligently unaware of the presence of somebody in the room, this should be false imprisonment. †: Street â€Å"False† – wrongful. â€Å"Imprisonment† – â€Å"Every confinement of the person is an imprisonment, whether it be in a common prison, or in a private house, or in the stocks, or even by forcibly detaining one in the public streets† – Blackstone.The character of D's act 1. There need be no actual incarceration. 2. Physical force is not necessary. Meering v Graham – White Aviation Co 122 LT 44 3. The area of confinemen t may be very large. 4. Restraint must be complete. Bird v Jones (1845) 7 QB 742; 9 Jur 87; 66 RR 564. 5. If a person has the means of escape, but does not know it, it is submitted by Winfield that his detention is nevertheless false imprisonment unless any reasonable man would have realised that he had an available outlet. 6. Act must be direct. 7. There must normally be a positive act rather than an omission.Herd v Weardale Steel, Coke and Coal Co [1915] AC 67; 111 LT 660. Knowledge of C Herring v Boyle (1834) 1 CM&R; 6 Car&P; 4 Tyr 801; 3 LJ Ex 344 cfMeering v Grahame – White Aviation Co (Supra) Murray v Minister of Defence [1985] 1 WLR 692 No proof of actual damage is necessary. INTENTIONAL PHYSICAL HARM OTHER THAN TRESPASS TO THE PERSON: The Rule in Wilkinson v Downton An act wilfully done which is calculated to cause, and does cause, physical harm to a person is a tort, although it may not be trespass to the person or other specific tort. This principle was laid down by WRIGHT, J. in Wilkinson v Downton [1897] 2 QB 57; 76 LT 493.Upheld by C. A in Janvier v Sweeney [1919] 2 KB 316; 121 LT 179. In Wainwright v Home Office [2002] 3 WLR all three judges in CA held the view that either actual intention or objective recklessness would suffice. Protection from Harassment Act 1997 But see also Hunter v Canary Wharf [1997] AC 655 DEFENCES TO AN ACTION FOR TRESPASS TO THE PERSON Self Defence Main question is whether force used by D was reasonable in the circumstances. Prevention of trespass to land or ejection of trespassers from land Note that unless the trespasser is entering by force, D must ask him to leave before using force against him.Volenti Burden is on C to establish lack of consent. Parental or other authority Inevitable accident Not relevant as a defence. Since Fowler v Lanning (supra) the burden has been on C to prove that D's act was intentional or negligent. Failure by C to fulfil a reasonable condition This is a defence to false imprisonment . Note:Robinson v Balmain Ferry [1910] AC 295 Herd v Weardale (supra) D acting in support of the law Dallison v Caffery [1965] 1 QB 348; [1964] 3 WLR 385; [1964] 2 All E 610 cfHogg v Ward (1858) 27 LJ Ex 443.

Ancient Indian Mathematics

There are opposing views prevalent regarding the prominence of mathematics in ancient India. One, there are those who make excessive claims for the antiquity of Indian mathematics with the motive of emphasizing the uniqueness of Indian mathematical achievements. Whereas, the other conflicting views denies the existence of any ‘real’ Indian mathematics before A. D. 500. This view is the result of deeply entrenched Euro centrism that does not negotiate with the idea of independent developments in early Indian mathematics. Whereas mathematics grew out of philosophy in ancient Greece, it was an outcome of linguistic developments in India. In fact the algebraic character of ancient Indian mathematics is but a byproduct of the well-established linguistic tradition of representing numbers by words. ? Around 800 B. C. Vedic mathematics declined and Jains School of mathematics gradually which was to do notable work in the field. ? From about 200 B. C. was period of instability and fragmentation due to foreign invasions but also of useful cross cultural contacts. Probably the only piece of existing mathematical evidence from this period is the Bakhshali manuscript. ? This period ranges from 3rd to 12th centuries and is referred to as the classical period of Indian civilization. Mathematical activities reached a climax with the appearance of the famous quartet: Brahmagupta, Mahvika and Bhaskracharya. Indian work on astronomy and mathematics spread westward, reaching the Islamic world where it was absorbed, refined and augmented before being transmitted to Europe. This last period described as the medieval period of Indian history, saw the migration of astronomy and mathematics from the north to south. Particularly in present day state of Kerala, this was a period marked by remarkable studies of infinite series and mathematical analysis that predated similar works in Europe by about three hundred years. Harappan society was a highly organized society. There is every possibility that the town dwellers were skilled in mensuration and practical ar ithmetic of a bid similar to what was practiced in Egypt and Mesopotamia. Archaeological findings from that period provide the following indications of the numerate culture of that society: ? It shows uniformity of weights over such a wide area and time which is quite unusual in the history of metrology. Taking 27. 584 grams as a standard, representing 1, the other weights form a series of 0. 05, 0. 1, 0. 2, 0. 5, 2, 5, 10, 20, 50, 100, 200 and 500. Such standardization and durability is a strong indication of a numerate culture with wellestablished, centralized system of weights and measures. Scales and instruments for measuring length have also been discovered with remarkably high accuracy. A notable feature of Harappan culture was its extensive use of kiln-fired bricks and the advanced level of its brick-making technology. These bricks are exceptionally well baked and of excellent quality and may still be used over and over again provided some care is taken in removing them in the first place. Fifteen different sizes of Harappan bricks have been identif ied with standard ratio of the three dimensions as 4:2:1. It was thought until recently that from them evolved first the Bakhshali Number system and then the Gwalior system which is recognizably close to our present day number system. In both Bakshati and Gwalior number systems, ten symbols were used to represent 1 to 9 and zero. With them it became possible to express any number, irrespective of its largeness, by a decimal place value system. Long lists of number- names for powers of 10 are found in various early sources. In the Ramayana, it is reported that Rama had an army of 1010 +1014 +1020 +1024 +1030 +1034 +1040 +1044 +1052 +1057 +1062 +5 men. The very existence of names for powers of ten up to sixty two indicates that the Vedic Indians were quite at home with very large numbers. This is to be compared with ancient Greeks, who had no words for numbers above the myriad (104). The Jains who came after the Vedic Indians were particularly fascinated by even larger numbers which were intimately tied up with their philosophy of time and space. For units of measuring time, the Jains suggested following relationship: 1 purvis = 756 * 1011 days 1 shirsa prahelika = (8,400,000)28 purvis The last number contains 194 digits! The word numeral system was the logical outcome of proceeding by the multiples of 10. Such a system presupposes a scientifically based vocabulary of number names in which the principles of addition, subtraction and multiplication are used. Â  Due to oral mode of preserving and disseminating knowledge, the wordnumeral system persisted in India. As a replacement to this, a new concrete system was devised to help versification and memory, known as bhutasamkhya, wherein numbers were indicated by well-known objects or ideas.

Student Experiences with Diversity at Liberal Arts Colleges Research Paper

Student Experiences with Diversity at Liberal Arts Colleges - Research Paper Example While larger college campuses have the draw to pull a large body of minority students, smaller liberal arts colleges typically have fewer students, less diversity and fewer resources to offer this same environment, yet they still manage to provide their students with many of these benefits. It has not yet been established why or how these smaller colleges manage to give their students this type of experience. Therefore, this study was designed to answer primarily three questions: How do students at liberal arts colleges compare with their counterparts at other types of institutions in terms of their diversity-related experiences; what organizational factors and conditions are related to diversity experiences at liberal arts colleges; and what are the relationships between diversity experiences at liberal arts colleges and other educationally purposeful activities and outcomes? One of the questions explored by this study is whether or not students at the smaller liberal arts colleges experience the same, the less or greater degree of diversity than those students attending larger university campuses with greater inherent diversity among its student population.   This is relevant both in determining whether students at smaller institutions are receiving the type of education desired in terms of being able to meet ‘real-world’ challenges as well as whether true diversity in student population is necessary to provide students with this education.   The study also begins to formulate ideas regarding which programs, activities, curriculum or other factors contribute to an effective experience.

History Essay Example | Topics and Well Written Essays - 1250 words - 17

History - Essay Example n the widening of the gap between the haves and the have-nots, which in turn results to an increase in levels of crime in the form of drug trafficking and abuse, and theft and burglary among other criminal activities. Politically, oil affects society as the ruling elite strive to acquire and sustain control of oil wells or the oil business, and make political decisions in such a way that the supply of oil would not be affected negatively. This essay reviews the role of oil in determining the social, political and economic history of the United States over the years since the 1970s to the present. In 1973, the United States government decided to supply the Israeli military with artillery and other war requirements during the Yom Kippur war. This stirred a response by the Arab country members of the OPEC who withdrew from the organisation that was the primary oil producer at the time (Pelletià ¨re 140). The United States took the blame for disrupting oil supply and creating the possibility of high prices of oil and a possible recession, which resulted in tensed relationship with other countries. These countries included some European countries and Japan, all of whom took measures that could have cut ties with the United States. Moreover, Regan lost the presidency to Bush owing to his poor policies when the country needed him, especially by opting to commit resources to fight communism instead of fighting poverty back home. This shortage of oil had an economic role in the stock market crash of 1973 to 1974, which resulted in loss of investments in the stock market. When the Arab countries realised the impact that oil shortage had on the world, they decided to practise price control measures, which resulted in a sustained increases of prices in the United States over the years. This resulted in an increasing price of goods and services, and resulted to deterioration of living standards in the United States, which mostly affected the poor and minorities with the

Human Error in Aviation Annotated Bibliography Example | Topics and Well Written Essays - 1000 words

Human Error in Aviation - Annotated Bibliography Example The source is a journal, which means it is peer-reviewed and thus credible. In addition, the study is based on analysis of post-accident data, and not assumptions, which makes it reliable and credible. Moreover, the chances of biases associated with personal view of the authors are limited since the results are based on actual data. In addition, the study is relevant in the study of the influence of human error on aviation accidents. Regarding authors’ credentials, Douglas is an associate professor who has undertaken several researches on human factors and flight safety. On the other hand, Dr. Scott Shappel is a Department Chair of Human Factors and Systems. Furthermore, Shappel is an author of several publications and has participated in various researches related to human factors and aviation. Therefore, given their backgrounds on human factors in aviation accidents, the information presented in this article is credible and reliable. This article is helpful in my research because it analyzes the main ideas of human errors that contribute to aircraft accidents. The information from this source helps in the description, classification, and understanding of the concept of human errors. It also relates to the rest of my chosen bibliography in its main ideas and focus. The study analyzes error classification methods that explain the causes of human error. The author analyzes the errors made by reviewing error assumptions and proposing alternative solutions. The purpose of classifying human errors is to help people concerned with Human factors in aviation apply practical explanations to their accounts of human errors. The author argues that the major reasons behind his classification of errors are to identify a simple error principle that goes beyond superficial errors. The author’s main points revolve around the deeper understanding of classification of errors and the ways in which analysts

Characteristics of unplanned economies Essay Example | Topics and Well Written Essays - 250 words

Characteristics of unplanned economies - Essay Example Market/unplanned economy and command/planned economies occupy the two polar extremes in the economic activity organization. The main difference is found in mechanisms used to determine prices and labor division or production factors. The market economy activity is unplanned, that is, it has no organization from the central authority and gets determined by the goods’ demand and the supply services. On the contrary, the command economy gets organized by the officials of the government who also direct and win the production factors (Meade, 2013). Currently, all modern economies are mostly pragmatic economies. The economies reject the thought function of representing, describing or mirrorring reality, but instead, they consider it as an instrument, action for problem solving. The two views of confrontation of the modern capitalism; state and neoliberal capitalism, will identify the economy of the social market that creates a new future pragmatism. Therefore, pragmatism is an indispensable and fundamental way of a rational economic management (Daniels & VanHoose,

She pitied men always as if they lacked something. How does Woolf Essay

She pitied men always as if they lacked something. How does Woolf contrast masculine and feminine in To the Lighthouse - Essay Example Ramsay. The sentence is thought by Lily Briscoe in the novel and the whole sentence is This sentence clearly shows that the novel, â€Å"To the Lighthouse† is written with feminist theme in which, the writer wants to depict that men are naturally lacking while on the other hand, women have some power. Mr. Ramsay, who is Mrs. Ramsay’s husband, is a philosopher who has a good reputation on the basis of his knowledge but in the whole novel, he is shown dependent on Mrs. Ramsay. Mr. Ramsay is shown worried about the existence of his work as he thinks at one juncture, â€Å"and his fame lasts how long? It is permissible even for a dying hero to think before he dies how men will speak of him hereafter. His fame lasts perhaps two thousand years. And what are two thousand years? (asked Mr. Ramsay ironically, staring at the hedge).† These lines by Mr. Ramsay indicate towards his doubts about the remembrance of his work and himself. All his doubts about his existence and being remembered receive a sense of satisfaction because of Mrs. Ramsay who is always there to help his husband. He while talking to Mrs. Ramsay informs her about his doubts about his work being forgotten and he gets encouraging responses and back up from his wife. Mrs. Ramsay is not shown as a perfect woman but she is always ready to support men and while helping them, she sympathizes with them and tries to find solution to their problems. With Mrs. Ramsay, every character of the novel feels relaxed and comfortable because of her complacent and supportive attitude. She is like a source of support to the other characters of the novel including her husband, who looks a strong person but appears to be very weak before her wife. Mr. Ramsay appears wholly dependent on Mrs. Ramsay for confidence and encouragement. Woolf portrays Mr. Ramsay as a person and a man, who feels himself incomplete without Mrs. Ramsay. Woolf tries

Islamic economy Essay Example | Topics and Well Written Essays - 1000 words

Islamic economy - Essay Example Throughout the Muslim nations, the comprehension was nothing was lawful about banks (Thomas 4). The modern setting of Islamic banking began in the 1960s in Egypt; nevertheless, this attempt was unfruitful and limited to certain contemporary setting. There were two events that triggered and spread the development of Islamic economy. The first event was the OPEC oil crisis as it was referred to in the west; however, unlike in the west, quotas and increased oil prices resulted in increased GDP per capita in the oil-producing Islamic nations. This resulted in increase of gross savings, consumption and most significantly demand for a banking system fit with Islamic regulations for devout Muslims. The second trigger was the Islamic revolution in Iran because it inspired the Iranian government to require a banking system that complies with Islamic sharia’a laws (Thomas 55). Recognition of non-western economic thought remedied the prevailing ignorance in the west regarding contributio n of Arab-Muslim thinkers in economics. Islamic economists criticized the assumptions upon which conventional economics based and their policies. Islam emphasizes communal responsibility and harmony of the Muslim nations or Muslim community. Islamic economists associated utilitarian to hedonism, which they considered as a replacement of the moral values. Unlike Marxist approach to remuneration that considers labor as a source of value; Islamic economists identify the legitimacy of rental income together with profits. With inbuilt deepness and breadth of Islamic commercial law, current jurists find realistic and hypothetical jurisprudence upon which to draw solution when confronted with disputes of the contemporary marketplace. The initial few decades of modern Islamic economy was a period of revival and the last decade has been an era of significant innovation. Modern Muslim jurist provide sharia’a-compliant solutions to the expanding spectrum of needs. Toward the end of the 1980s, the situation began to change with Islamic and banking and economy growing beyond the expectations of Islamic economy supporters. Since then, Islamic finance has become a growth industry with several multinational banks and asset management companies taking interest in the development of Islamic economy (Thomas 5). Within the banking and finance industry significant developments began with the significant reason being the progress made by Muslim jurisprudence to, understanding the modern business of commerce and applying sharia’a principles. An additional reason was the development of facilities by sharia’a boards with normal contracts allowing Islamic economies to be at ease with the novel organization. The renewal of Islamic commercial energy led to the development of cooperation and helpful interactions between Muslims and people with different religious backgrounds. Acceptance of sharia’a in Islamic economies does not lead to rejection of tools necess ary for economic analysis; rather, it implies evaluation of economic policy with moral perspective according to religious teachings (Thomas 8). Apart from oil and gas-rich states, many Muslim economies are either low or middle-income developing nations, where often

Planning for Long Term Wealth Creation Essay Example | Topics and Well Written Essays - 1000 words

Planning for Long Term Wealth Creation - Essay Example Before borrowing to invest in the stock market, Albert and Nancy should first build an investment plan that clearly documents their retirement goals of savings and income. After identifying the level of income and savings that they require for their retirement goals, the couple can then develop several investment strategies that are potentially adequate in achieving these goals over time, using the principles of risk management to differentiate the advantages and disadvantages of each strategy. In summary, the couple should schedule meetings with a number of financial professionals and discuss the investment options available for achieving their retirement goals to compare advice and strategies in different stocks, bonds, and commodity investments. Once this information has been gathered, they should study each recommendation given by the financial advisors and make a final decision on an investment plan they are comfortable with dedicating their income to over the next 20 years. One serious concern that the couple must consider when contemplating taking a home equity loan for investment in a retirement fund is the rate of interest that they will pay on the initial sum and how that rate compares to expected stock market returns. For example, HSBC and UBank are both offering home equity loans at a 6.79% interest rate in Australia currently. (InfoChoice, 2011) The consumer inflation rate has average between 3.33% and 3.6% in Australia in 2011. (RateInflation, 2011) Therefore, Albert and Nancy would have to average over 10% returns in the stock market every year just to cover the costs of the loan repayment plus inflation. While $125,000 is a strong deposit into an initial self-managed superfund account, the couple will need to understand that upon investment in a single company or diversified portfolio of stock holdings, there is no guarantee that future returns will match or exceed the rate of interest plus inflation. Nevertheless, the home equity investment can be seen as beneficial for the couple if they can easily afford the home payment over time without significant stress in the household budget. Since the couple is paying a higher rate of interest on the car, personal loan, and credit cards than on the home equity loan, at a comparison of 15.5% to 17% vs. 6.79%, the best initial use of the home equity loan would be to clear the personal debt. Then, the income that was previously being dedicated to loan and credit card payments can be set aside for investment each month in equities, bonds, and precious metals. Thus, the couple would do best by first retiring the personal debt at a sum of $32,000, and then keeping the credit card purchases at a minimal level. In this manner, the couple should be able to free up $900 to $1000 each month to invest into their self-managed super-annuity fund. In dedicating $32,000 of the $125,000 home equity loan to clearing the personal debt, the couple established a means to dedicate an extra $900 to $10 00 every month to their retirement fund. However, when compared to their retirement goals of achieving self-sufficient income in old age, even an initial investment of $93,000 in the self-managed super-annuity fund plus the monthly contributions at the rate of $900 to $1000 per month would not be sufficient to meet their goals. Part of the reason for this is inflation, which operates in the manner of compounded interest. Considering the couple has a $100,000

Cold environments Case Study- Alaska Essay Example for Free

Cold environments Case Study- Alaska Essay Location * State in the United States-international boundary with Canada to the east, arctic ocean to the north * Largest state in United States by area, however least densely populated Economy * GDP in 2007: $64,333 * Per capita personal income : $40,042, rank :15th in nation * Oil and gas industry dominates the Alaskan economy * More than 80% of states revenues derived from petroleum extraction * Main export : seafood , agriculture represent only fraction of economy * Largest employers: * Providence health and services : 4000+ av. Monthly employment in 2010 * Walmart: 3000-3259 av .monthly employment 2010 History * First oil claims in Alaska made in the 1890, noted oil sea pages on iniskin bay and cold bay- not pursued by Russians * 1898- first Alaskan wells drilled in Iniskin Peninsula * Alaskas first productive oil drilling operation was at Katalla, on the Gulf of Alaska, south of the Copper River delta * In 1911 several new wells in the district began to produce significant oil, costs not big enough to justify extraction * In 1960, following the statehood of Alaska and the creation of the state natural resources agencies, oil companies bought exploration leases for work in Cook Inlet * The boom in economic development and population growth after the discovery of oil was immediate and still continues Types of Development in Alaska * Oil and Gas industry- major oil fields developed along central north slope * Oil production accounts for 93% of Alaska’s unrestricted general fund revenues. * Since statehood, Alaska has received $164 billion in revenues from oil * Development in the fishing industry- sea provides endless harvest worth billions of pounds. Over 3 million lakes, 3000 rivers and 34 000 miles coastline- bountiful fishing regions in the world * Salmon fishing industry- worth $11 billion a year * Provide thousands of jobs, long term economic engine * Pollock fishery- 1,252,000 million metric tons- 2.7 billion ponds annum * Seafood- top export commodity. 2009- 1.6 b dollars. Accounted for 50% states total exports. * Seafood processing accounts 71% of manufacturing jobs in ALK. * Fishing industry- generated 54 000 jobs- short seasonal * Mining- historically a cornerstone of alaska’s economy. Today, mining industry brings broad range of benefits- offering highest paid jobs in the state. * Produces zinc, lead, copper , gold, silver, coal * Alaska’s 7 largest mines Provided more than 2,250 full time jobs of 9500 total mining ind jobs in state * Mining creates public revenue by paying state and local taxes * Help support local economies in both urban and rural Alaska. * Issues: spent $300 million on exploration last year * drilling costs and fuel expenses have risen sharply * Facts and economic impact-cumulative value of mining industry: $4.4 bil. 2011 * Minerals are the states second largest export commodity. Accounted for 31% of states export total- zinc and lead from Red Dog mine * Approximately 200 placer mines produced 70,000 ounces of gold, as well as platinum, in Alaska in 2011. In addition to Alaska’s active precious-metals mining industry, there were more than 120 active rock quarries, and sand and gravel operations throughout the state. Pressures on Cold Environment * Alaska is unique state- economic development in it’s remote, petroleum based economy- resembles oil rich developing nations than other US states * Realtively small size of the Alaskan economy can discourage production for local use. * Geography wise- their location is at a disadvantage. Difficult to transport oil to other countries * Trans Alaska pipeline * Pipeline flows through natural biomes, upsets animal trails, carries potential of a devastating leak * Woodland destroyed- also people’s homes affected