How Globalization Affects small businesses Essay

We Are What We Know :: Culture Death Cultural Essays

We Are What We Know I shouted incongruously from dread and dissatisfaction with respect to my quandary, (Arthur 5), when out of nowhere the word demise became dreary reality. Demise is a nauseating, miserable word that strikes individuals out of the blue. At the point when my grandma gave to time everlasting a couple of days prior, I understood that one of the four connections I had to my social foundation was no more. Regardless of one of the connections being cut off, my social convictions, information and genealogy is clear and critical to me. In spite of the fact that she is gone now, she has shown me, and left me with the information on who I am. Through the steady festival of social traditions, I am all around familiar with my legacy and character. One could just envision a more excellent spot than the one my family and I originate from. With ceaseless blue skies and brilliant grain becoming farther than a natural eye can see, Ukraine is known as the breadbasket of Europe. It extends from the Carpathian Mountains on the west to the Caucasus Mountains on the east, only north of the Black Sea. From the beginning of time numerous Europeans and Asians have attacked Ukraine. They needed to control its rich farmland and mineral assets. Ukraine has withstood fringe questions with other encompassing Slavic nations. Since 1700, the Ukrainians had a place with czarist Russia, and western Ukraine lay in the Austrian Empire. In 1917, czarist Russia fell and Ukrainian attempted to set up their own country. During World War I, Ukraine turned into the battleground for the Poles who together battled the Bolsheviks. Ukraine likewise was the battleground for World War II, with Ukraine falling under the control of Soviet control. It was during th at time that my grandparents and distant grandparents had to desert everything and escape their consuming homes and towns with just their garments on their backs. Arriving up in a Displaced Persons Camp in Germany in 1949, they settled there with others Ukrainian families anticipating host families to support their excursion to America, the home of the free. They may have had just scarcely any belongings with them, yet when our family arrived at a Mennonite ranch in Ohio, they carried with them their ethnic legacy, culture, character. America was a land that acknowledged every single ethnic individuals, allowing the workers the chance to improve an actual existence. My granddad, who was the diligent one, was very little assistance on the ranch.

Essay Topics and Different Types of Essays

Essay Topics and Different Types of EssaysThe essay topic that a student applies for at the end of the semester should be a complex process or some type of trade or manufacturing endeavor. There are numerous essay topics that the student will want to apply for that involving living things, because it is a good idea to highlight their connection to nature and how this impacts on their personal experience.A very well researched essay topic can be used to contrast the qualities of a machine with that of an animal. Even though the essay may seem obvious, it is still worth having an example of a machine that operates by similar principles to the living beings. The essay should not focus on the superiority of a machine, but rather their importance in the natural world.In fact, we tend to judge more harshly humans than we do animals, because of our limited knowledge of the animals' natural environment. For example, although we know the animals swim in pools, the way we swim does not imply t hat we have perfected the art of swimming. This means that we fail to see the quality in human beings that we see in the natural world. It may be more important to consider the quality in humans than it is to consider that we may be savages.The student's assignment for the essay topic should then be to demonstrate why they possess these qualities, which is usually done by going into detail about how we observe, study, and use the processes that make up our animal life. In order to make a convincing argument that you are an animal, you should go into great detail about how you hunt, catch, skin, and even have sex with another living thing.A student has to realize that there is nothing particularly wrong with using an example from the process of the animal life, if they have chosen a unique essay topic. Students need to be aware that when they get their essay topics ready, they may need to work backwards, and ask themselves whether or not they can put together a quality subject matter . Doing so will save the student a lot of frustration in their essays.Good examples of such essay topics can be found on the internet, where they can be searched through. Some of the different websites that have such topics available include animal humans, animal life, animals living in the natural world, and so on. Once the student has the opportunity to see all of the different options they have, they will find that the subject has to be selected carefully.A student should make sure that they understand how the essays they write reflect on them, and how they feel about the topics they choose for their essay topics. For example, choosing a complex process can be very divisive, because it could be taken personally by the student and the rest of the students that they are taking the essay. It is important to avoid saying something that makes the other students feel bad about themselves.In addition, the essay topics should be selected in such a way that the essay is sure to be read by others in the class. One way to achieve this is to choose topics that are controversial, or things that people will easily have an opinion about. While some essay topics may be difficult to write, if the essay is controversial or the student is making a strong argument, it is likely to be read.

Human Rights Abuses Of Fiji Essay - 2466 Words

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American History The Mexican American War - 1363 Words

Throughout American History, started from Jamestown Americans started to settle upon Native American land by wiping them out or forcing them to move west. By 1846 throughout 1848, Americans approach Mexican territory’s land which they were eager to conquer and Manifest Density that was unstoppable and a goal for the United States. The conflict was the Mexicans weren t going to give up their land because of a selfish belief and were provoked to go to war against a stronger nation. A war broke out known as the Mexican-American War. In 1846 throughout 1848, a war to conquer land from Mexico were orders held by James K. Polk. An unjust war is about to occur, In 1846 Texas becomes Independent from Mexico and the United States. To begin with, Mexico approves for the Americans to settle onto Texas with one condition to not bring slaves along with them. During this time period, slavery was one of the most important political concerns and they opposed slavery. The Americans didn’t hold the values of anti-slavery, during this time they valued Manifest Density strongly. Accepting some restrictions from Mexico placed was nothing compared to its own destiny to occur from preventing America to stretch outward towards the Pacific Ocean. The main conflict started with the annexation of Texas, a dispute on the nation’s border, the Mexicans consider the Nueces river to be the border of Texas as for Americans that wasn’t enough land so they consider, Rio Grande the border. A way to aim toShow MoreRelated American History : The Mexican American War Essay1413 Words   |  6 Pagesformation of the United States, war has been a constant factor within the political sphere. From these wars the U.S obtained power, land, and status unseen and unparalleled by any civilization in humankind. One of the earliest wars that allowed the United States to grow into the global power it is today was the Mexican-American war. This war not only shaped American politics for decades, but also fueled the sectional crisis that culminated into the infamous Civil War. Being the new country’s firstRead MoreMexican History : Mexican American War, Cinco De Mayo, And The Mexican Revolution1273 Words   |  6 PagesWithin Mexican history, there are so many major events that occurred to shape Mexico into what it is today. However, there are a few specific events that had more of an impact on Mexico than others. Those events were the Pastry War, the Mexican-American War, Cinco de Mayo, and the Mexican Revol ution. These events were the results of conflicts with the people of France, America, and Mexico itself. Antonio Lopez de Santa Anna, dictator of Mexico at the time, played an immense role in Mexican historyRead MoreThe Mexican American War : An Important Part Of United States History Essay1928 Words   |  8 PagesMany historians consider the Mexican-American war to be an important part of United States’ history. It allowed the young nation to uncover what their true values were and come into its potential as a world power. The Mexican-American war cemented the United States’ role as a world power as the people banded together and put aside differences to secure the supremacy of their way of life. It expanded the values of the American society beyond parochial lives and improved the overall quality of lifeRead MoreThe Mexican-American War Essay870 Words   |  4 Pagesdisregard for the toll a war can take on human lives. When the Alamo was fought back in February 1836, it was about the independence of Texas from Mexico. In retaliation of the death and destruction of hu man life, Sam Houston retaliated in April and killed 630 Mexican soldiers and took General Santa Anna prisoner (Tindall Shi, 2010). This was the start of the independence of Texas and the quest for annexation into the United States, which ultimately led to the Mexican-American War of 1846-1848. ThisRead MoreEssay about The Mexican War by Otis A. Singletary590 Words   |  3 Pagesaspects of the Mexican war. It is a compelling description and concise history of the first successful offensive war in United States military history. The work examines two countries that were unprepared for war. The political intrigues and quarrels in appointing the military commanders, as well as the military operations of the war, are presented and analyzed in detail. The author also analyzes the role that the Mexican War played in bringing on the U.S. Civil War. The Mexican-American War of the 1840sRead MoreEssay The Mexican-American War1216 Words   |  5 PagesThe Mexican-American War. The Mexican-American war was a process of years of battles between the Mexicans and Americans but I think after this informational paper, you’ll seem to know a little bit more knowledge about it. How it all started, well in the beginning, the Americans and Mexicans both wanted to control Texas, but at the time it was a part of the Mexican territory, well soon enough Americans wanted control over it so badly that they started to travel into Texas’s land. Part of the reasonRead MoreEssay about The Mexican War as an Exercise in American Imperialism1152 Words   |  5 PagesThe Mexican War as an Exercise in American Imperialism The US government believed firmly in the doctrine of Manifest destiny, the government argued that they had the right and duty to expand through North American because it was necessary and inevitable. During the 19th century Mexico dominated a large amount of North America which was inhabited by American settlers and the American government aimed to expand the USA from the Atlantic Ocean to the Pacific Ocean and wereRead MoreEssay on The Mexican-American War1466 Words   |  6 PagesThe Mexican-American war determined the destiny of the United States of America, it determined whether or not it would become a world power and it established the size of the United States of America. Perhaps the war was inevitable due to the idea of Manifest Destiny - Americans thought they had the divine right to extend their territory. The Mexican-American War started mainly because of the annexation of the Republic of Texas (established in 1836 after breaking away from Mexico). The United StatesRead MoreThe Mexican American War Essay1223 Words   |  5 PagesUnited States of America has been through many wars, wars concerning many things such as land oil, pride and respect. However, when the United States went to war with Mexico, it was planned over greed. The Mexican- American war was a war provoked by the United States, in efforts to expand the coasts of the country. Mexico was a small under priv ileged country who had previously to the war had already lost part of their country (Texas). Needless to say this war was cut throat and violent, it was howeverRead More The Mexican War Essay711 Words   |  3 PagesThe Mexican War   Ã‚  Ã‚  Ã‚  Ã‚  The factors that started the Mexican War lay heavily on American shoulders. Whether if the factors were created by social, political or economical needs, they have all become the center of attention for the question of being a national interest or disgrace. However, the Americans felt that they existed for â€Å"†¦spreading the blessings of peace.† according to Andrew Jackson. There will always be controversy between the two sides of this matter, the Americans who feel that it

Serial Killer Mind Essay Example For Students

Serial Killer Mind Essay In the last three decades the USA has been troubled by an approaching problem, the serial killer. A serial killer is a person who kills a number of people, usually considered over five, with a cooling off period between each murder, usually one murder at one given time). Two murders at one time occasionally happen and these murders may go on for a period of months or years until the killer is caught. Throughout the last three decades the US serial killer rate has risen 94% and it is estimated that by the next millennium it will claim an average of 11 lives a day. Serial Murder is an epidemic; there are at least 35 serial killers active in the USA today who claim one third of the annual murder rate. The USA has 6% of the worlds population yet it has three quarters of all serial killers. Not only are serial killers appearing in more numbers in the US but also all over the world countries are terrorized by serial killers, which are appearing in more numbers year and year after. KILLER TRAIT: A serial killer is a typical white male, 20-30, and most of them are usually in the USA. Their main motives are sex (even though the act of sex may or may not take place), power, manipulation, domination and control. The sex motive is usually rape for an organized killer and sadism for a disorganized killer. They act in a series of 5 or more murders with a cooling off period between each murder. Serial killers can go on for months and years before they are usually caught. The victim is usually the same for every killer prostitute, hitchhiker etc. Their victims may also have the same or similar attributes in gender, age, race, general look, residence etc. Serial killers also stick by their modus operandi very closely and may change it with experience. Most murders occur by strangulation, suffocation, stabbing etc. Serial killers act by a sex-murder fantasy based with their control, they usually live in this dream world in their teens until they act it out for real when they get into the adult stage. As each murder occurs a serial killer may be disappointed by his murder fantasy and may act it out again to achieve it to there own satisfaction. CHARACTERISTICS OF A SERIAL KILLER: 1. Killings are separate (serial), occurring with greater or less frequency, often escalating over a period of time, sometimes years, and will continue until the killer is taken into custody, dies, or is himself/herself killed. 2. In common with normal homicides, killing tends to be one on one. There are instances however where a serial killer has struck down more than one victim in a single incident. 3. There is no (or very little) previous connection between the perpetrator and the victim; the persons involved rarely being related. 4. Although there may be a pattern or victim trait, individual murders within a series rarely display a clearly defined or rational motive. 5. An increasingly greater spatial mobility (since the advent of the automobile) has enabled killers (if they wish) to move rapidly from one place to another, often before a murder has even been discovered. 6. There is usually a high degree of redundant violence, or an overkill, where the victim is subjected to a disproportionate level of brutality. MOTIVES: These are the motives a serial killer might display (some killers display various motives): Visionaries Acts in response to voices and is instructed by these voices to perform the act of murder. These killers are usually schizophrenic and psychotic. Missionaries They think it is their responsibility to rid society of unwanted elements. Hedonists Kill because murder causes them pleasure. .u4b8e398e7184e0a922a40caed566da71 , .u4b8e398e7184e0a922a40caed566da71 .postImageUrl , .u4b8e398e7184e0a922a40caed566da71 .centered-text-area { min-height: 80px; position: relative; } .u4b8e398e7184e0a922a40caed566da71 , .u4b8e398e7184e0a922a40caed566da71:hover , .u4b8e398e7184e0a922a40caed566da71:visited , .u4b8e398e7184e0a922a40caed566da71:active { border:0!important; } .u4b8e398e7184e0a922a40caed566da71 .clearfix:after { content: ""; display: table; clear: both; } .u4b8e398e7184e0a922a40caed566da71 { display: block; transition: background-color 250ms; webkit-transition: background-color 250ms; width: 100%; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #95A5A6; } .u4b8e398e7184e0a922a40caed566da71:active , .u4b8e398e7184e0a922a40caed566da71:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #2C3E50; } .u4b8e398e7184e0a922a40caed566da71 .centered-text-area { width: 100%; position: relative ; } .u4b8e398e7184e0a922a40caed566da71 .ctaText { border-bottom: 0 solid #fff; color: #2980B9; font-size: 16px; font-weight: bold; margin: 0; padding: 0; text-decoration: underline; } .u4b8e398e7184e0a922a40caed566da71 .postTitle { color: #FFFFFF; font-size: 16px; font-weight: 600; margin: 0; padding: 0; width: 100%; } .u4b8e398e7184e0a922a40caed566da71 .ctaButton { background-color: #7F8C8D!important; color: #2980B9; border: none; border-radius: 3px; box-shadow: none; font-size: 14px; font-weight: bold; line-height: 26px; moz-border-radius: 3px; text-align: center; text-decoration: none; text-shadow: none; width: 80px; min-height: 80px; background: url(https://artscolumbia.org/wp-content/plugins/intelly-related-posts/assets/images/simple-arrow.png)no-repeat; position: absolute; right: 0; top: 0; } .u4b8e398e7184e0a922a40caed566da71:hover .ctaButton { background-color: #34495E!important; } .u4b8e398e7184e0a922a40caed566da71 .centered-text { display: table; height: 80px; padding-left : 18px; top: 0; } .u4b8e398e7184e0a922a40caed566da71 .u4b8e398e7184e0a922a40caed566da71-content { display: table-cell; margin: 0; padding: 0; padding-right: 108px; position: relative; vertical-align: middle; width: 100%; } .u4b8e398e7184e0a922a40caed566da71:after { content: ""; display: block; clear: both; } READ: Solar System Planets Essay Lust Killers Kill for sexual gratification with acts that are usually sadistic. Thrill Killers Kill because of a desire for a thrill or experience. Gain Killers Kill for personal gain. The killer premeditates the act to require financial gain or materialistic goods. While gain is not the main motive in a murder some serial killers have took the opportunity to steal from their victims for their own personal gain. Power Seekers Kill for the desire to have control over the life and death of others. Mobility: These are the classifications for the stable killer and the transient killer: The Stable Killer (eg. Gacy, Dahmer) Lives and works in one location for an extended period. Hunts .

Jamaican Food And Style Essays - Jamaican Culture, Jamaica, Food

Jamaican Food and Style Jamaican Food and Style Jamaica is a beautiful island south of Cuba, between North and South America. The island has a great deal of "rich agricultural land, and although much of the mountainous are is not very fertile, here and there in the hills are pockets of land which can bear abundantly" (Buisseret, 1969, i). Jamaica's uniformities and diversities concerning their food, as well as their unique religious functions, geography, economics, and technology contribute to their distinctive food culture. Most Jamaicans are able to produce their own food, such as sugar crops, bananas, and citrus fruits (Buisseret, 1969, 58). They use these products in trade, as well as for themselves. Also, they grow a great deal of domestic crops, such as "corn, vegetables, fruits, cassave, yam, cocoes, dasheeen, and sweet potatoes" (Bent, 1966, 44). Though rice is an important food to Jamaicans, they are forced to import it from Guyana, mainly (Bent, 1966, 45). Also, beef cattle, pigs, poultry, fish, and sheep are a significant part of the Jamaican food consumption. They raise them themselves, though sheep rearing is a great deal less successful. Most of the meat consumed in Jamaica is imported or grown by a few local livestock owners. Jamaicans buy their goods at markets in the largely populated cities (Bent, 1966, 75-78). Planters are well respected in Jamaican society, since they tend to be more well-off than most (Stewart, 1971, 126). Most food preparation involves pepper and the cook's "special ingredients"; however, much of the cooking of meat is done in small drums on charcoals (Johnson, 1982, 25). Jamaicans are much like Americans concerning their food storage. They keep dried foods in pantries and keep milk, etc. in refrigerators (Johnson, 1982, 84). The act of eating itself is also "modernized just like the United States" (Johnson, 1982, 86). Also, they dispose of food in the generalized dumps, though mainly, food is not wasted in the Jamaican culture. The only unique function of the Jamaican food culture is the drinking that occurs during the reggae concerts. The concerts occur almost everywhere in smaller, more rural areas, and the Jamaicans drink a great deal of rum. Rum is an alternative income for the estates when the sugar production is not good. No religious feasting seems to occur in Jamaica, oddly enough, since a great deal of feasting tends to occur on holidays. Rum consumption is the Jamaican's main way to celebrate a festive occasion (Phillipo, 1975, 115). Geography very obviously influences the Jamaican food ways: bananas, sugar cane, and citrus fruits are the main exports due to the warmer Jamaican climate (Buisseret, 1969, 55). Though the terrain is very rugged, farmers have worked past the scrubby area (Buisseret, 1969, 56). Also, Jamaican economics influence the food ways. Since Jamaica is still considered to be an underdeveloped country, most of the economy revolves around the import and export of food. Though imports are a great deal more expensive, Jamaica export money has increased a great deal in the recent past, making food cheaper and easier to obtain (Johnson, 1982, 96). Jamaican technology has also made it possible to store food more efficiently (Johnson, 1982, 94). Jamaican food culture is an interesting collection of diverse and exotic foods. Their society places a great deal of importance on food due to their importing and exporting. Their food ways are much like America's in their storage and preparation. Though they do not really have much religious association with their foods, alcoholic beverages are a major part of their culture as well. A Jamaican's way of life is defined by the foods and the types of foods they eat. Bent, R.M. (1966). A Complete Geography of Jamaica. London: Collins Clear-Type Press. Buisseret, David. (1969). Historic Jamaica. Barbados: Caribbean Universities Press. Johnson, Alexander W. (1982). Jamaicans. Philadelphia: University Press. Phillipo, James M. (1975). Jamaica. New York, NY: University Press. Stewart, John. (1971). An Account of Jamaica. New York, NY: Library Press.

Hello Dali! Surrealism and Dadaism essays

Hello Dali! Surrealism and Dadaism essays The Dada/Surrealism movement is referred to as an anarchist movement against art, which at the time was considered another representation of bourgeois power. (Gombrich 593-594) The Menaced Assassin reflects two abiding preoccupations of the Surrealists," writes Gablik Magritte. (Gowing 884) (Gowing 885) (Anderson 1170-1172) You must begin to dream. (Gombrich 591) (Gowing 887) Dali's "paranoiac-critical method" gave his work a pseudo-Freudian twist, and his new work became much like the rest of Surrealist art, paintings of "private fetishes." (Gowing 887) Eventually Dali, along with Magritte and the other Dada artists, was excluded. In the end, in Breton's attempt to keep Surrealism out of the fascist, anarchist world and keep it in the world of the Freudian dream state was a failure. Breton actually moved Surrealism into the anarchist's world that Dada's Tzara had created. New York NY: Harper A History of Art. The Harper American Literature, Vol. 2. Dictionary of the Arts. english.upenn.edu/~jenglish/English104/tzara.html Dadaism by Tristan Tzara Surrealism moved the humanity out of the romantic and classical notions of life and creativity into a world of ongoing and escalating anarchy and devastation. Regardless of its enduring influence on art, Surrealism may never have occurred without the founders of the Dada movement. (Varisco) In accord with the Manifesto of Surrealism of 1924 written in collaboration with Andre Breton, companion poet and dramatist Tristan Tzara wrote in the Zurich Chronicle: "Let us destroy let us be good let us create a new force of gravity. NO equals YES. Dada means nothing . . . and I hate good sense." (Varisco 139(10)) This created the basis for artists Salvador Dali, Rene Magritte, Sherman Anderson, and every radical of the early 20th Century. Moreover, although t...

Reporting on Meetings and Conferences in Journalism

Reporting on Meetings and Conferences in Journalism So you’re writing a news story that covers a meeting- maybe a  school board hearing or town hall- for the first time, and aren’t sure where to start as far as the reporting is concerned. Here are some tips to make the process easier.​ Get the Agenda Get a copy of the meeting’s agenda ahead of time. You can usually do this by calling or visiting your local town hall or school board office, or by checking their website. Knowing what they plan to discuss is always better than walking into the meeting cold.​ Pre-Meeting Reporting Once you’ve got the agenda, do a little reporting even before the meeting. Find out about the issues they plan to discuss. You can check the website of your local paper to see if they’ve written about any of the issues coming up, or even call members of the council or board and interview them.​ Find Your Focus Pick a few key issues on the agenda that you will focus on. Look for the issues that are the most newsworthy, controversial or interesting. If you’re not sure what’s newsworthy, ask yourself: which of the issues on the agenda will affect the most people in the community? Chances are, the more people affected by an issue, the more newsworthy it is. For example, if the school board is about to raise property taxes 3 percent, that’s an issue that will affect every homeowner in your town. Newsworthy? Absolutely. Likewise, is the board is debating whether to ban some books from school libraries after being pressured by religious groups, that’s bound to be controversial and newsworthy. On the other hand, if the town council is voting on whether to raise the town clerk’s salary by $2,000, is that newsworthy? Probably not, unless the town’s budget has been slashed so much that pay raises for town officials have become controversial. The only person really affected here is the town clerk, so your readership for that item would probably be an audience of one.​ Report, Report, Report Once the meeting’s underway, be absolutely thorough in your reporting. Obviously, you need to take good notes during the meeting, but that’s not enough. When the meeting has ended, your reporting has just begun. Interview members of the council or board after the meeting for any additional quotes or information you might need, and if the meeting involved soliciting comments from local residents, interview some of them as well. If an issue of some controversy came up, be sure to interview people on both sides of the fence as far as that issue is concerned.​ Get Phone Numbers Get phone numbers and email addresses- and, depending on your style guide, home towns and ages- for everyone you interview. Virtually every reporter who’s ever covered a meeting has had the experience of getting back to the office to write, only to discover there’s another question they need to ask. Having those numbers on hand is invaluable.​ Understand What Happened Remember, to produce solid meeting stories, never leave a meeting without understanding exactly what happened. The goal of your reporting is to understand what exactly happened at the meeting. Too often, beginner reporters will cover a town hall hearing or school board meeting, dutifully taking notes throughout. But in the end, they leave the building without really understanding what they’ve just seen. When they try to write a story, they can’t. You can’t write about something you don’t understand.

A critical study of credit risk management in the first bank of Dissertation

A critical study of credit risk management in the first bank of Nigeria Plc - Dissertation Example Circumstances led to the situation in which the giant loss incurring banks due to subprime crisis have to solely depend on capital flow from Middle East, Chinese and investors from Singapore. Thus major nucleus of these losses has been related to credit risk. Thus the notion of the credit risk management is a grave concern in this world of complex financial milieu and it has become highly essential for the financial institutions to suppress loses arising from credit for sustained long run performance. The obnoxious cases of bank failures, acquisitions, consolidation have steered the focus of management of the financial institutions in restructuring operations, improving asset quality and building loan portfolios with credit risk management as the base structure (Yo & Yusoff, 2009, p.46). Influence of credit risk management on the banks Credit risk management has an overwhelming concern on the financial institutions especially that of a bank. The credit risks in simple language can be defined as the potential which the bank borrower or the counterparty will fail to meet its obligations with various agreed terms. The basic objectives of the credit risk management are directed towards the maximization of the risk adjustment of the bank with the maintenance of the credit risk exposure within the domain of various accepted parameters (which may vary from time to time). The banks basically require managing the credit risk intrinsic in the entire portfolio as well as the risks in the individual credits or the transactions. The banks should be also taking into account the relationships between the credit risk as well as that of the other risks. The effective management of the credit risk can be argued as a crucial component of a comprehensive approach towards risk management and are highly essential to the long-term success of any of the banking organization (Principles for the Management of Credit Risk, 2012, p.1). In the recent decades leading to financial crisis, th e banks have operating in an enhanced competitive market and as an involuntary mechanism being forced in taking more risks for seeking out higher margin actions. Securitization, commercial papers have created the platform where the banks can generate higher margin business by the process of converting the illiquid loans into marketable securities and thus lead to the release of capital for other investment opportunities. Empirical testing reveals that the process of securitization leads to the expansion of credit leading the banks to hold riskier assets (Casu et al, 2010, p.3). From the perspective of the Basel Accord II , securitization exposures the banks have to abide by some norms like that of proper documentation of the objectives, summary of the bank’s policies for securitization and whether there is limitations in the application of sophisticated credit risk management with the securitization method. The credit risk management can be successfully implemented if the ban ks adapt refined techniques for minimizing the risk of the expected losses (Securitization of Credit Exposures: Important Tool of Credit Risk Management under Basel Accord II, 2006, p.598). Technology enhancing the process of credit risk management One of the most important parts in the credit risk management is that of quantifying the risks and it is a very crucial part in the risk management process. From

Inefficiency Within a Stock Market Create Barrier to Fulfilment of its Assignment

Inefficiency Within a Stock Market Create Barrier to Fulfilment of its Main Function - Assignment Example As the paper stresses the main functions of the stock market includes evaluation of the securities those are listed in the stock market which in turn help the companies to get more capital for production, thus the chances of industrial growth increase. The functions of the stock market also includes the marketing of the government securities, also provide safety in the dealings as the companies have to abide by the rules. The stock market is also the index of the economy; the banks also provide loans against the stock market securities. From the above discussion the importance of the stock market can be understood. But when the stock market which is the economical indicator is not performing as it should be then it would be a problem for the community associated with that stock market. This discussion declares that the common people who are the investors of the securities they would face problem as the stock market is not reflecting the right information, they may invest in the wrong place. The foreign investors and the government would not get the right information as the stock market is not efficient, not the actual information is available in the market. The managers of the firms also get it tough to take the right decision in the current situation. May be they are thinking that their firm is performing well but their firm is valued less in the stock market. So it will be tough for them to take the decision as they find it confusing as two different valuations of the firm are in front of them. The paper is an attempt to analyze the effect of the inefficient stock market, how it creates barrier to fulfil the main functions of the stock market and cause difficulties for the managers of the firms for taking a suitable decision. The researcher has taken the help of some theories like efficient market hypothesis and uses some articles for conducting the research. Stock Market Efficiency As per Professor Eugene F. Fama an efficient market fully reflect the information available to the investors. The research of Fama was divided in 3 parts on the basis of the information available. In the weak form of efficiency in the EHM claims that the past prices of the security are reflected in the price of the security today. No one can beat the market by doing the fundamental analysis. The semi strong form of tests implies that all the public information available reflects in the current market price of the stock, no one can beat the market by doing the fundamental analysis or the technical analysis. The other degree of efficiency is the strong form of efficiency which implies that even using the insider information the investor can’t have the advantage (Fama, 1970, p.399-412). The accepted view about the efficient market hypothesis is that when the information is available about a specific company then the information spread fast among the investors of the company

Dad - Original Writing :: Papers

Dad - Original Writing "Hurry up Mark," called Jan, "Paul will be here in a minute." The usual Friday-night scrimmage to get Mark ready for his weekend visit with his Dad was nearly over. "Did you pack my England shirt Mum?" he shouted from the bedroom. "Yes, and I have packed the England flag too." Jan answered. "What are you doing now?" she enquired. "I'm just doing my hair." he yelled back. "Ah, that reminds me, I've also packed a can of red hair spray. Will Jo have time to do it for you tomorrow?" Jan checked. England was playing in the Rugby World Cup Final against Australia and Mark was watching it with his Dad and his step-mum, Jo, at the Rugby Club. Mark wanted a red St George's cross sprayed in his hair. It was an early kick-off and they had a fair journey to get to the club on time. "Yeah, no problem, she'll have time," he replied hurtling down the stairs. As Paul pulled up outside the house he tooted the car horn. "He's here," relayed Jan. "So am I!" Mark answered with a grin. Jan gave him a hug. "Have an excellent weekend, love," she called after him as he raced outside to greet Paul. "And you Mum. See you Sunday afternoon, bye," he replied with a wave. Jan smiled wistfully to herself, wishing that she could share the excitement of tomorrow morning with Mark herself. After all it wasn't often that England made it to the final, and Mark did love his rugby. Never mind, she thought to herself, it's a good thing that Mark now knows his Dad and can spend some time with him after all these years. Mark had only met his Dad just over a year ago. * * * Jan had fallen pregnant with Mark after dating Paul for only a few months. She had decided to have the baby, even though Paul wasn't ready for settling down. It had been a big decision, and some would

Adventures of Huckleberry Finn Chapters 1 to 4 Essay

1. What does Twain accomplish by using Huck as narrator? When Mark Twain uses Huck as narrator, it allows the reader to gain an insight on Huck Finn’s emotions and what his outlook is on a topic. The reader then can learn more about Huckleberry Finn and how he thinks. 2. What is the significance in the encounter with the spider? The significance of the spider is to show the reader that in older times, people were far more superstitious than they are in present ­day. When Huck flings the spider into the candle’s flame, he sees it as a bad omen, which also may foreshadow for the coming conflict in the book. 3. How is Jim introduced? In, ​  The Adventures of Huckleberry Finn​, the slave Jim is first introduced when Huck is sneaking out of the widow’s household with Tom Sawyer and through the garden, Huck trips over a root by the kitchen. Within the kitchen is Jim, one of Miss Watson’s slaves. Jim hears the sound of Huck tripping and he goes to investigate. Tom and Huck then crouch down on the ground to hide. Jim then announces he will stay until he finds out what made the noise, but then eventually falls asleep. 4. What contrast between Huck and Tom is established? In chapter’s 1 ­4, the contrast between Huck and Tom that is established is that Huck is more of an outsider and Tom is popular. During the talk in the cave, Tom is the considered the leader within the group, whereas Huck is more of an outcast since he has no family. 5. What is significant in Jim’s story of the witches? The significance of Jim’s story of the witches is that everyone lies. At the beginning of the first chapter, the reader establishes the fact of how everyone has lied some point or another. When Jim speaks of how witches rode him across the country, it gives the reader an example of how someone lied. 6. What humor is involved in the use of the word â€Å"ransom†? During Tom’s gang’s discussion in the cave, they debate the meaning of the word ‘ransom.’ Since Tom has read robber books, he speaks of holding women in their cave until their ‘ransomed.’ Eventually, the boys come to the conclusion that ransom means death, and that they will keep women in the cave until death. 7. What two aspects of religion are presented? In ​  The Adventures of Huckleberry Finn​, Twain presents satirizes the two different   aspects of hypocrisy and manipulation in religion. 8. What is the meaning of Huck’s remark that rubbing his â€Å"magic† lamp and ring had â€Å"all the marks of a Sunday school†? The meaning of Huck’s remark is that Sunday School was disappointing for him and the â€Å"magic† lamp wasn’t really magical. Since the lamp didn’t have any magic, it disappointed him.

Second-Hand Smoke - 1726 Words

The Effects of Second-Hand Smoke Imagine yourself sitting down to dinner at a restaurant. You are sitting down trying to enjoy your dinner when all you can smell is smoke. Not only are you just breathing in the smoke, it is also damaging your body at the same time. Or imagine yourself at your work place, whether it be a restaurant or office, and you are forced to breathe in second-hand smoke the entire time you are there. In this paper you will be informed of the harmful effects of second-hand smoke, and why smoking should be banned from all public places. When you are a smoker you are making the decision to damage your own body, but little do you know you are also damaging everyone elses body that you are in the room with. John†¦show more content†¦Annually, second-hand smoke or environmental tobacco smoke also known as ETS, kills an estimated 35,000 people from heart disease, 3,000 from lung cancer, and 1,900 from sudden infant death syndrome while being responsible for almost 10,000 low birth weight babies, 400,000 episodes of asthma in children, and 800,000 cases of ear infections. Thats on top of 400,000 deaths in smokers themselves annually in the U.S. (Messmer). Amway4 Dr. Norman H. Edelman, chief medical officer for the American Lung Association says, Second hand smoke disables and kills many people by virtue of its cardiovascular effects and also by virtue of its cardiovascular effects on the lung (Reinberg). Dr. David L. Katz, A clinical professor of public health, and director of the prevention research center at Yale University School of Medicine expresses his opinion on public smoking in the following passage. How can any society allow tobacco smoke to be imposed on innocent bystanders? We have clear, convincing evidence that those who smoke are swinging a big stick indeed at the noses of those of us who dont. While they should have autonomy over their choices, they should not have autonomy over ours. Smoking in public places does not stop where my nose begins, and therefore it should be banned. Not just in some states, but byShow MoreRelatedThe Effects Of Second Hand Smoke On Children843 Words   |  4 PagesSecond Hand Smoke Do people know second hand smoke not only affects the person smoking, but it also affects the people around them? Not everyone is aware of the risks of second hand smoke nor how it can effect their future. Second hand smoke is an issue that affects everyone and everybody around it such as unborn children, children, adults, non-smokers and should be avoided as much as possible. What exactly is second hand smoke? Second hand smoke is a combination of burning tobacco and the exhaledRead More The Effects of Second Hand Smoke Essay1166 Words   |  5 PagesThe Effects of Second Hand Smoke Did you know that 3,000 American non-smokers will die this year from lung cancer? Those deaths are entirely preventable. Their lung cancer is caused by second hand smoke. Second hand smoke is smoke they have breathed in from other peoples cigarettes. It is also known as involuntary or passive smoking. There is nothing passive however about the effects of this smoke. It is lethal and it is dangerous. It may give as many as 300,000 children under the age of oneRead More Second Hand Smoke - Breaths of Death Essay1266 Words   |  6 Pagescigarette smoke engulfs me. Sound familiar? If you are a non-smoking student, this scene reflects everyday life on a smoking campus. Something must be done about this infringement upon non-smokers rights. Is our health so meaningless as to be put at the mercy of carcinogens and toxins? I think not. Though State University provides non-smoking environments within university buildings, the campus itself is void of any means of protecting the well-being o f non-smokers. Because second-hand smoke is so dangerousRead MoreBiological Effects from Exposure to Second-Hand Smoke776 Words   |  3 Pageshas been a lot of up-to-date evidence dealing with biological effects from exposure to second-hand smoke. A lot of people aren’t educated about this topic, but second-hand smoke can harm someone almost as much as someone who actually smokes, depending on how often he/she is around it. Young children are a huge target for this subject because many biological and medical researchers have found second-hand smoke causing lifetime damage, and many other negative effects to children as they grow. SmokingRead MoreCoffee and Cigarettes: Second-Hand Smoke and Smoke Free Law Summary and Questions855 Words   |  4 PagesField, P. (1922, October 10). Coffee and Cigarettes: Second-Hand Smoke and Smoke-Free Laws. National Center for Case Study Teaching in Science. Retrieved October 10, 1927, from www.sciencecases.org/secondhand_smoke/secondhand_s moke.pdf Coffee and Cigarettes: Second-Hand Smoke and Smoke Free Law Summary and Questions Joshua Davenport owned a coffee bar/bistro in the small town of Lackawaxen, Pennsylvania situated on the Delaware River. He wanted to bring the old world elegance to his rural communityRead MoreEssay about The Harmful Effects of Second Hand Smoke1141 Words   |  5 PagesThe Harmful Effects of Second Hand Smoke An Australian courtroom, November 2002, has banned a mother of a ten year old boy from smoking in her household (Watts). This is because of the numerous harmful effects that go along with second hand smoke. The court was protecting the child from these dangers; the mother and grandfather both admitted to smoking approximately 40 cigarettes everyday (Watts). The ruling was done by the anti-smoking lobby, and was a first for this type of caseRead MoreThe Effects of Smoking Bans on Victims of Exposure to Second Hand Smoke800 Words   |  4 PagesThe Effects of Smoking Bans on Victims of Exposure to Second Hand Smoke Exposure to second hand smoke, which for the purposes of this report will be designated SHS, poses extremely detrimental health risks for any and all individuals who consider themselves non-smokers, especially young children and pregnant women. SHS is estimated to contribute to heart attacks in nonsmokers and causes nearly 53,800 deaths in the United States alone on an annual basis.1 According to the United States SurgeonRead MoreTransforming Vain Danger: Second Hand Smoke and the Abject 1854 Words   |  7 PagesSecondhand smoke affects everyone nearby, everyone breathes in those horrible chemicals found in cigarettes. What a smoker does to themselves is a personal matter, but what they do to a non-smoker is different. 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