Spongebob

1. Sloth-Patrick Sloth is the sin of laziness, or unwillingess to act. Obviously this is Patrick. He lays under a rock all the time and doesn't really do anything. In fact in the episode â€Å"Big Pink Loser† he got an award for doing nothing the longest. 2. Wrath-Squidward Wrath involves feelings of hatred and anger. Squidward hates his life, usually hates SpongeBob, and is pretty much angry most of the time. 3. Greed-Mr. Krabs Obviously Mr. Krabs is greedy and desires money. How could Greed not be Krabs? He actually sang about the power of greed in â€Å"Selling Out†. 4. Envy-Plankton Plankton is envious of Mr.Krabs because The Krusty Krab is a success while The Chum Bucket is a failure. His envy drives him to try to steal the Krabby Patty secret formula. 5. Glutony-Gary I actually think this one is pretty funny. Did you ever notice the running gag in Spongebob where they say â€Å"don't forget to feed Gary† or Sponge says â€Å"I gotta go feed Gary†. Ga ry even ran away that time when SpongeBob forgot to feed him. Glutony usually refers to the overindulgence of food so I'm guessing this one fits him pretty well. 6. Pride-Sandy Sandy takes a lot of pride in who she is and where she comes from.She takes pride in the fact that she is from Texas and likes to let everyone know it. She also takes pride in the fact that she is a mammal and a land creature, like in the episode â€Å"Pressure† where she tried to prove land critters were better than sea critters. 7. Lust-SpongeBob Ok, I know what your thinking. It does seem a little weird and curious at first but I have given it a lot of thought. Lust in one definition is â€Å"excessive love of others†. I think this one works best for Spongebob. He shows his love of others with his overeagerness to do good and help people.If anything is true about SpongeBob its that he loves everyone around him, even if they don't exactly love him back. 1. Greed (Mr. Krabs) – this is by far the most obvious comparison that can be made. The avarice of Eugene Krabs is made painfully clear throughout the series. He is constantly thinking of ways to turn a profit, even if it involves taking advantage of his friends or putting them in harmful situations! In one episode, he sings a song called â€Å"If I Could Talk to Money†Ã¢â‚¬ ¦ and there’s even a wiki page devoted to compiling all of his greedy plans! 2. Envy (Plankton) – another no brainer.With all of Krabs’ wealth and good fortune, there has been an equal amount of hard luck and failure for his archrival, Sheldon Plankton. Plankton owns a struggling restaurant called â€Å"The Chum Bucket† and is consumed with the desire to achieve the success of his adversary. His life’s goal is to steal the Krabby Patty formula from his Krabs and drive his primary competitor out of business. 3. Sloth (Patrick) – the guy lives under a rock for crying out loud! If that isn’t enough to convince you, in the episode â€Å"Big Pink Loser†Patrick is given an award for ‘doing absolutely nothing longer than anyone else’.He then proceeds go back under his rock to protect his title. 4. Pride (Sandy) – the fact that Sandy Cheeks is from Texas alone should almost suffice for this one. She is a squirrel that is very proud of her heritage, so much so that in one episode she nearly moved back home! Sandy also takes a great deal of satisfaction in being the only land critter living down in Bikini Bottom among all the fishy folk. Though generally a good-natured individual, Sandy is quick to spout off about the greatness of the Lone Star state or to show off her athleticism in a karate match or a weightlifting contest. . Wrath (Squidward) – Squidward Tentacles has no qualms about expressing his negative outlook on life, whether it be by describing how much he hates his job at the Krusty Krab or through outward disdain for his two obnoxi ous neighbors. He is portrayed as a general failure who refuses to acknowledge his own personal flaws. This constant self-denial manifests itself in a sarcastic sense of humor and resentment toward the society that doesn’t ‘appreciate’ his creativity and clarinet†¦ erm†¦ †skills†. 6. Gluttony (Gary) – now this one’s a bit trickier.Those who have watched a great deal of the series will have noticed a number of jokes about Spongebob having to remember to feed his pet snail. To be honest, Gary doesn’t do a whole lot besides eating and meowing, and the meowing is often due to the fact that he is hungry. Once when Spongebob hadn’t fed his pet, Gary is shown eating parts of their couch! In another episode, Gary runs away from home because Spongebob forgot to feed him for a while. Another time when Spongebob had amnesia, Gary ate a year’s supply of snail food and became morbidly obese!This proves beyond a doubt th at when left to his own devices, Gary would rather do nothing but eat. 7. Lust (Spongebob) – our final analogy is probably the least apparent because we typically think of ‘lust’ in a sexual sense. However, the alternative definition for lust is simply â€Å"a passionate desire for something†. In this sense of the word, it cannot be denied that our absorbent yellow friend is an extremely lustful creature. Spongebob has a lust for life that is incomparable to most other cartoon characters – he yearns for the affections of both friend and foe alike, is eager to please, and will often stop at nothing to complete a task.

Sexual Harassment in the Military

1. The topic I would like to focus on is woman in the armed forces, and the issue of sexual harassment in the military. 2. The specific issue I would like to focus on is how a great number of women are sexually assaulted and raped, and there is not much they can do for justice within the majorly masculine realm of the military. I believe this is an appropriate research problem because I am being specific to women in the armed forces and even more specific on the experiences of sexual harassment nearly every woman receives in the military. I would like to expose the issues of vulnerability of women in the military. The steps I have taken was that first I had decided my topic was going to be about women in the military, then the specific issue is sexual harassment in the military and how it affect them 3. The only pitfall I can think of currently is that it may be too specific, although there are many examples and issues of this throughout the years. Otherwise I do think it will be a great topic to use for the HA and advocacy essays. 4. I intend to use multiple online databases researching for journal entries or feministic-militarism centered articles. 5. Lorraine Dowler: The Hidden War: The ‘Risk’ to Female Soldiers in the US Military Dowler, Lorraine. The Hidden War: The â€Å"Risk† to Female Soldiers in the US Military. â€Å"Reconstructing Conflict: Integrating War and Post-war Geographies. By Scott Kirsch and Colin Flint. Aldershot: Ashgate Pub. , 2011. 295-314. Print. Dowler, a professor of Women Studies, Gender, and militarization at the Pennsylvania State University, writes that, woman that are in the U. S. armed forces are immersed in an overwhelmingly masculine environment, and the woman is seen as a foreign body to most men, and are thus subject to harassment. This is important to my research because this chapter outlines the vulnerability of women in the armed forces and the easons of that vulnerability and how it affects the woman of the military. Sandra Via: Gender, War, and Militarism: Feminist Perspectives Sandra Via, has a doctorate in political science and teaches at ferrum college. Her chapter in the book is credible since the sources she had used for her chapter were from scholarly journals and articles and other people with high credentials. She talks about mainly militarization a nd globalization and the role of the woman in arms. T. S. Nelson: For Love of Country: Confronting Rape and Sexual Harassment in the U. S. Military

Protected Designation Of Origin Essay Example | Topics and Well Written Essays - 2750 words

Protected Designation Of Origin - Essay Example In order for a product to be registered and the producers offered the rights that accompany registration, there must be a formal application made to the Department of the environment, food and rural affairs (Defra). The application must be accompanied by supporting documentation which indicates that the food product is produced, processed and prepared within a geographic area and by virtue of this, the product has inherent characteristics that derive from the geographic area. The application is then examined by the staff of Defra and any pertinent questions may be raised and correspondence incited between the applicant and the Defra officials. If the application proves to have some merit after the Defra investigation, it is then passed on to the European Commission for further investigation. When the application reaches the European Commission, the Commission is afforded up to six months to determine the validity of the claim. In so doing, the Commission is free to seek the assistanc e of the Scientific Committee which is established solely for this purpose. In offering assistance, the Scientific Committee can conduct tests and offer the expert opinion with regards to the geographic origin of the product. If after consulting with the Scientific Committee, the Commission is satisfied that the product warrants PDO registration, a summary sheet of the product is published in the Official Journal of the European Community. At this point, the registration is open for objections for the next six months.

Why I am ready to return to Monroe Essay Example | Topics and Well Written Essays - 250 words

Why I am ready to return to Monroe - Essay Example It has made me realize as well the value of spending time wisely on each aspect of the course and of being trained to possess moral character in terms of discipline, respect, and integrity. Moreover, I find it reasonable to attend classes in Monroe College once again for its capacity to engage students in appreciative learning. Through the school’s intelligent and encouraging faculty staff and up-to-date academic resources, I had received great help in developing interest in several areas of relevant study. It would also be wonderful to reconnect with old friends and certain lower class fellows under a different field yet whose influence led me to find delight in reading classical literature and world history. Subjects as these, I recall, are taught in Monroe College with such enthusiasm and manner that inspires students to be critical in thought and creative in imagination. I am further drawn to believe that I am ready to resume my scholastic life with Monroe knowing that it has the most conducive facilities I could possibly ask

Development Appraisal, Project Cost Control Assignment

Development Appraisal, Project Cost Control - Assignment Example The building and construction sector includes contractors who build buildings for residential, industrial and commercial purposes. SECTION-A Question 1 This is a case whereby companies operating in the construction industry need to develop, differentiate,  defend and communicate the development  contribution  they  make to their host country   in just the same way as they manage the value they delivered to customers. Taking a case of buildings:   There are various aspects that defines these statement ‘‘Development value’’ in a more scientific way. ... 2. Four methods of valuation and their illustration using appropriate examples These methods include; DCF valuation LBO valuation Comparable companies’ valuation Precedent transaction valuation A DCF (Discounted cash flow) valuation is a valuation method where future cash flows are discounted to present value. The valuation approach is widely used within the investment banking and private equity industry. In a DCF valuation, one has tom obtain data which includes; historical financial information, working capital, make future projections and calculate unlevered cash free flow, determine capital structure, WACC, present value of free cash flow, enterprise value and finally come up with a DCF sensitivity analysis which now shows the valuation changes with different assumptions and changes in input (Notman, 1998). A LBO (Leveraged Buyout Analysis), valuation is the acquisition of another company using a significant amount  of borrowed money (bonds or loans) to meet the cost of an acquisition. It is used to determine an implied valuation range for a given target in a potential LBO sale based on achieving acceptable returns (O'Sullivan & Sheffrin, 2003). In this kind of valuation the following is taken into account; deal value, historical financials, forecast period, results and output. A comparable company’s analysis is always used in company valuations and is a relative valuation method (Notman, 1998). The method indicates the value of similar companies in relation to different key ratios that is later compared to your business. Common key ratios are: EV/EBITDA and EV/SALES. For this to be successful, one needs to select the multiples of companies, locate the necessary financial information, and spread key statistics ratios and trading multiples benchmark

Assignment 4 Example | Topics and Well Written Essays - 500 words - 4

4 - Assignment Example So far, the quantities have lagged behind the quantities expected. Meeting the cellulosic mandate faces considerable challenges (O.E.C.D et al, 2012). The fuel consumption increased by 28.63% in 15 years. This was because the population in 15 years increased. In addition, the number of people owning vehicles increased thus increasing the amount of fuel consumed. Even though the prices of fuel increased, people cannot stop fuelling their cars. The increased percentage is insignificant. The consumption of gasoline does not decrease with an increase in price. Other factors affect the reduction in consumption. This is because from 2005-2007, the consumption increased with a higher price but in 2008, the consumption decreased while the price was the same like the one in 2005-2007. Thus, other factors must have affected the decrease in consumption. Bullis, K. (2007). Will Cellulosic Ethanol Take Off? Fuel from grass and wood chips could be big in the next 10 years–if the government helps. Retrieved from http://www.technologyreview.com/news/407365/will-cellulosic-ethanol-take-off/Bottom of

Business Environment Assignment Example | Topics and Well Written Essays - 1500 words

Business Environment - Assignment Example Fred Smith was the founder of the company. Recently it has been converted into Public Limited Company. The subsequent part of the project would be dealing with the changes that have taken place in the business environment of the computer industry in the form of an informational report. Purpose The main purpose of the organizations like Smith Electronics is offering quality products to the customers so that they can assemble the computer according to their own wish. The company facilitates the customers by offering them a wide range of quality products. These products are manufactured by taking into consideration three main factors: a) Cost Effectiveness, b) Modularity and c) Maximum Reliability. The company aims at achieving customer satisfaction by means of efficient and proficient personnel. The company’s team of professionals has good understanding of the industrial necessities which would help them in upholding the managerial works in an excellent manner. The purpose of th e organization is making consistent performance by manufacturing quality products so that it supports Smith Electronics in having huge acceptance throughout the UK market and European Union. The company plans to perform its functions along with maintenance of smooth cooperation with the valued customers. The latest technologies which are user friendly are implemented within the products in order to increase the demand as well as the customer satisfaction. The goal of the organization is to make the experience of the customers highly satisfactory and convenient. This enables making long term relationship with them. The professionals in the company are employed after proper testing of their skills. In order to provide excellent experience to the customers, the employees are trained specially about how to interact with the customers. The success of an organization depends to a great extent upon the demand of its products and services in the operational market. Smith Electronics focuses on increasing the annual demand of its products which might help it in achieving a global recognition. The organization is committed towards bringing excellent computing experience to the customers in United Kingdom and European Union. The goal of the company would stimulate its performance by guiding the operational activities. However, Smith Electronics holds good position in the computer industry of United Kingdom and European Union in aspects of the customer service, product quality and the store’s design. The extent to which Smith Electronics meets the objectives of the stakeholders The business objectives are those ends which the organizations set out for achieving. The organizations plan for strategies in order to achieve these objectives. The stakeholders are important part of the organization (Phillips 6). The objectives of Smith Electronics are set by balancing the demands of the stakeholders in the organization as maintenance of cordial relationship with them is v ery important (Svendsen 2). The objectives of the organization have been established after blending the interests of all the stakeholders. The stakeholders of Smith Electronics always have an influence in its actions or operations. The major stakeholders include the shareholders, employees, creditors, bondholders and customers (â€Å"American Institutes for Research Capstone Project†

How intercountry differences affect Human Resource Management Research Paper

How intercountry differences affect Human Resource Management - Research Paper Example Thus, for them the human resource should be given higher priority in order for the entire business operation to succeed. In the case of handling global human resources for those international companies, challenges are always at hand. This is due to the fact that each country has different business environment which includes differences in cultural, political, social, economic, technological aspects and more (Rao par. 2-9). In the following section, the proponent tries to include intercountry differences for working hours, holidays, recruiting, selection, appraising, training, minimum wage and compensation. These differences point out how they affect Human Resource Management in detail. Working hours The other part of the globe right at this moment is plunging into deep sleep while the other side is widely awake and is responding in unison to the busy schedule of the day. In the case of global companies such as call centers, they have companies instituted right at the Pacific Rim or a t the other side of the world. Working hours therefore should differ between countries especially those with 12-hours differences. This means that employees in Asia working in a call center should be awake all night long when it is daytime in the US, Europe or in other parts of the world. This created an impact among global companies in their HR management and one of the best options that they should do is to motivate or encourage employees to work for them considering the nature and required working hours of the offered jobs. Holidays Mostly, international companies adhere to the required holiday in a country and this means they have to inform their international counterparts so as to ensure continuity of their business operation without creating any unnecessary interruptions. For this reason, an international organization is influenced by the prevailing political and cultural system in a certain country. Recruiting Recruiting activity may also differ from each country considering the nature of prevailing political, cultural and social background and orientation of an individual. An international company should therefore consider following the policies and procedures implemented in a certain country regarding with the right recruiting activity. Part of this is to remarkably explain to job applicants the nature of the jobs they are applying for and the specific tasks expected of them to perform. Selection In the selection process, an international company needs to be transparent about the required qualification of an employee they are looking for in a certain job so as to eliminate discrimination in the process. Discrimination has to be essentially eliminated especially in countries that are giving too much value on their cultural orientation. This means that an international company needs to be sensitive in dealing with cultural background of an employee especially in the selection process. Appraising The American standard may differ from that of those countr ies in Asia and in other countries. This means that an international company coming from the United States may have significant influence from its country and will tend to impose it to its counterparts in other countries. However, appraising should be clearly explained to each employee so as to prevent potential thought about biases and partiality. This is to ensure that each employee should be able to agree with their level of

Strategic and Financial Decision-making Essay Example | Topics and Well Written Essays - 2250 words

Strategic and Financial Decision-making - Essay Example Both the companies are listed under FTSE 100. Under CAPM the calculation of cost of capital depends on the principle that the rate of return required on a security is equal to the risk-free rate of interest plus a risk premium, based on the following formula- Therefore the beta of Sage Group as per calculations is less than the beta that has been published in Bloomberg site and the beta of Diageo Plc as per calculations is also less than that has been published in this site. There can be many reasons for this difference. Like in the case of data like beta that is reported by a site the calculations are more extensive. For the purpose of the calculations, the monthly returns relating to the last twenty four months only has been taken. But the beta estimation in Bloomberg is based on either daily returns or quarterly returns over a long span of time. Some sites base their calculations on the data since the stock inception. As the beta calculated by these sites is based on a longer span of time therefore they are more reliable as it covers a larger number of data points. So the difference in ‘time frame’ can result in different beta estimates. Some of the financial services use weekly observations while others use monthly obser vations whereas others base their calculations on the last day of trading. Another reason for the varying beta is that they are calculated using different indices in the market. Some sources use Standard & Poor 500 as the benchmark index, some use Russell 1000, 2000 and others use Value Line Index. In such situations the best way is to choose which provides the beta for most of the companies in the guideline (Pratt & Niculita, 2007, pp.211) It may be possible that the fundamentals of the company have changed over time in that case the beta that is calculated based on a recent period is more reliable (Pratt & Grabowski, 2008, pp.141). Based on this it can be said that the beta based on the recent period is more reliable as

Nerwork Security Essay Example for Free

Nerwork Security Essay SCENARIO 1 According to scenario 1, the followings are the threads and security measure to control it. THREADS SECURITY MEASURE 1.Fire outbreaks, begins just outside the data center. The attack is an internal and active attack caused by a disgruntled employee or worker i.e an unhappy or a dissatisfied employee I. Availability of fire department center II. Implementation of well programmed sprinkler system III. Building has been evacuated to prevent loss of lives SUGGESTIONS 1.Figure out the worker by investigating and either dismiss him/her or by compensating him/her by treating him right or well. 2. This can also be controlled by enforcing the physical security of the company i.e by installing cctv camera in every hook and corner of the company this will monitor all the employees activities within the vicinity of the company; of which any employee that engages in such a destructive act can be fished out easily by replaying the record. 3. RFID can also be deployed to monitor the in and out of every employee. 2.Anthrax box was detected by an employee in the lobby I. Evacuation of building has be done again to prevent loss of lives II. Health department is on scene to investigate the issues and treat people III. The sprinkler system has been implemented which caused the email and web server to stop working. SUGGESTIONS 1. Employees and visitors should be properly screened and be checked thoroughly before entering the organization or company so as to avoid them bringing in potentially dangerous object in to the company. 2. Foreign object detector technology should be deployed and implemented in the company to ensure proper screening of the people i.e visitors and employees moving in and out of the company. 3. Call the attention of crime investigators so  as to confirm the doer of the crime ; finger print test will done the box . 3.E-mail server and Web server are down I. The sprinkler system was programmed to turned off the web and email server down in case of any emergency so as to prevent data loss , explosion and destruction of the server SUGGESTION 1.E-mail and web server should always be kept in a safer area where it cannot be easily accessed by an intruders and free from disasters like thunder storm, lightening and flooding i.eit should be kept In a water proof data room around the middle level of a building. 2. There should always be an alternative stand-by server kept In another location to replace in case a server is down so ensure the proper functioning of the company e-commerce websites 3. call the right personnel i.e network security engineer to figure out the proper place servers should be kept against disaster when planning to design a network 4. The e-mail and web server should either switched on be repaired or replaced immediately to ensure the proper functioning of the company e-commerce sites so as to prevent lossof customers 4.Customer cannot place order at the company sites since the servers were down I. The company has provided an alternative call center at another location against emergency for customers who cannot place order at the company’s site. 5.Employees are afraid to resume work I. The police department intervened SCENARIO 2 According to scenario 2, the followings are the threads and control measure was taken. THREADS CONTROL MEASURES 1.Explosion occurs at a chemical plant i. They took a precautionary measures by building the headquarters two (2) miles away from the chemical plant so as to loss of lives and properties. ii. Officials took control measure by trying to confirm amount of  potentially dangerous and deadly toxins that have released to the air so as to alert people to evacuate the area if the rate were high or if the area will not fit for lives to survive 2. people were experiencing Breathing difficulties i. Public health officials took a security measure by encouraging people living in the city to â€Å"shelter in place† i.e the use of a structure and its indoor atmosphere to temporarily separate individuals from a hazardous outdoor atmosphere. 3. Company tells the employee not to leave the building i. Employees took a precautionary measure by leaving the building since they were not sure about what they were hearing and that they needs to get home to take care of their families. ii. The security also took a control measure ,by knowing what tell people so as not to create unnecessary or false alarm to the who want to take shelter in company’s lobby. 4. Authority says the explosion was an occupational hazard i.e an accident. i. Several employees were hospitalized for quality treatment People are upset that cafeteria did not have more supply at hand. i. Due to the explosion, company took a security measure by closing the cafeteria for while pending the time that the immediate danger passes. SCENARIO 3 According to scenario 3, the followings are the threads and security measure to control it. THREADS SECURITY MEASURE 1.Pandemic flu outbreaks starts in Hongkong i. The company took a precautionary measure by telling the employees to have traveled to hongkong not to return to work until they see a doctor so as to prevent the spread of the flu within the organization since it is communicable disease ii. As a precautionary measure, the company decided having security at the front door to interrogate visitors whether they have been to hongkong for the past three weeks so as to prevent the spread of disease SUGGESTTIONS i. A quarantine system should also be implemented i.e the isolation of infected animals and people from the normal people. ii. Dust mask should always be used within the company vicinity till the flu suppresses . 2. Few people were diagnosed with the flue i.e infected i. Students took a security measure by absenting from school so as not to contact the flu. ii. As a precautionary measure, some employees did not do to work because they afraid to go out in public so as not to be infected with the deadly flu . 3.The disease spreads i. Employees are demanding for vaccinations and dust mask so as to cure and minimize the spread of the flu disease. ii. As a precautionary measure, managers consider letting crucial staff volunteer for a lock down i.e restricted to a confined area so as to prevent the spread of the disease. iii. They consider directing work to another location or calling retired workers to help out in order to prevent the spread of the disease within the organization 4.The has peaked. i. As a precautionary measure , employees were not whether to return to work so as not contact the deadly flu disease.

Challenges faced by Colgate-Palmolive Company

Challenges faced by Colgate-Palmolive Company Nowadays business is like a war that has every things seem fair, but as a human being we need to kept in mind that all the ethical and moral issues that pertain to all the stake holders. Issues and problems are the ingredient of every business and life, but the only successful business man are the true fighter of all internal and external forces those create obstacle / hindrance in the success ladder. This report contain all the aspect of challenges faced by the contemporary business man in running his / her business, and all those issues that he / she has to face in his / her daily routine. This report contain four part in the first part we have discussed the portfolio of the business, secondly PEST analysis, third we discussed the current issues of business and in the last we have conclude all the above stated issue and formerly recommendation. COMPANY BACKGROUND INFORMATION Colgate-Palmolive Company (NYSE: CL) This is an American corporation that has the focused on the distribution, production, personal products, provision of household and health care such as detergents, soaps, toothpaste and toothbrushes (oral hygiene products). History William Colgate, a candle and soap maker opened up a starch, soap, and candle factory located on Dutch Street with the name of William Colgate Company in New York City in 1806. The firm in the initial years began to sell individual bars but later on in 1857, after the death of William the company started reorganized as Colgate Company operated by his son. In the starting of the year 1872, company introduced a perfumed soap with name of Cashmere Bouquet. Colgate sold the first toothpaste in 1896 with the brand name of Colgate Ribbon Dental Cream but after the success of this brand, company started mass selling in 1908 (Wikipedia 2010). Colgate people have built a reputation as a successful company that has the highest ethical standards. Through living the values of Global Teamwork, Caring, Continuous Improvement, and adhering to the principles of honor, integrity and concern for the environment, as the company seeks to: Provide quality products of value to customers Opportunities for professional growth to all company people Fulfill CSR as a member of the international community Increase shareholder value (Wikipedia 2010) Factors affecting the Business: Government Factors: Government does not have much influence on the FMCG industry in terms of regulations. There are consumer protection laws but they are not implemented as they should be. There are not much regulations involved in this industry (Krutz 2004). (P)olitical factors: Political factors are influencing this industry because the recent and order conditions have affected the whole economy which in turn affected the industry. Many of the factories of the big companies were burnt after the assassination of Benazir (Krutz 2004). (E)conomic factors: The overall economy of the country is showing a stable growth. Therefore this industry is also showing a growth of 10%. But the inflation is growing rapidly which is not a good sign for the new entrants. Change in the interest rate also affects the industry. Hence the new entrants are also threatened by the increasing interest rates (Wikipedia 2010). (S)ocial trends: The social trends are in favor of this industry. Mass awareness is created through media. So people are shifting from their traditional methods of washing clothes, skin care etc to the modern methods. This is a good sign for the new entrants. People have become more educated and health conscious. High population growth is another opportunity for the new entrants (Muravchik 2004). (T)echnological change: The technology can support this industry well. If the whole system can be automated from the import of raw material to the finished goods then it would save time and money. This is a good sign for the new entrants. But in this industry technology does not play a major role because the traditional formulae of soap or toothpaste are not that much complicated (Louviere 2001). Colgate-Palmolives Mission Statement Company mission statement focusing on the following factors Caring Every Company has claims cares about people but the Colgate Company has original care for its business partners, people, shareholders and customers. Colgate is dedicated to act with empathy, integrity and candor in all circumstances, to pay attention to customer according to the value differences and others. Similarly the Company is committed to defend the universal environment and to augment the communities where Colgate people are alive and work (Wikipedia 2010). Global Teamwork All Colgate employees are part of a worldwide squad, devoted to working together across countries and all through the world. Only by allocation ideas, technologies and talents can the Company accomplish and maintain profitable growth. Continuous Improvement Colgate is dedicated to getting improved every day in all it does, as persons and as teams. By better sympathetic consumers potential and incessantly working to improve and innovation in services, processes and products Colgate can be the best. (Wikipedia 2010) INTRODUCTION Every management has to face difficulties in every step of business development and Effective management is the main ingredients for the establishment / growth and success of the business. The success of the management is to examine the marketplace, background and create employment. In order to make profit opportunities that give the financial viability and potential growth for the business. Beside that the importance of management is usually misunderstood and wrongly interprets because people are giving more focus on the result somewhat than the course of management (Laroche, Michel,ÂÂ  Zhou and Kim 1996). Concurrently with the increase in demand about quality, business man attracted the attention of customers. A sudden wave of successful entrepreneurs looks as if to render earlier management concepts obsolete while ignoring the marketing / organizing talents of the success full business man / entrepreneur (Griffin and Pustay 2009). Planning is critical for developing a firms potential. This view tended to short term enhances profits, however created along term dysfunctional business environment. However, many small businesses do not distinguish the need for long-term plans, for the reason that the miniature no of people concerned in working the business involves equal conscientiousness in the decision making and planning processes (Gauzente and Ranchhod 2002). Critical issue/problem for today business: Every new day bring the challenge for any business person, because to stay alive in the market you need to fight efficiently and smartly, as the world moving; complexity in every aspect of life is increase though technology has improved along but as much we belong to technology we get more depended. Following are the hot buttons for today business, and every business men more or less facing and struggling Political instability and involvement: Every government is eager to impose taxes to earn more and more profit, due to recent shock of recession most of the industries are move toward bankruptcy or liquidate just because of high taxes and less benefit given by the government. It is common these day small business or large organization owners to be unaware of current legal issues that can hit them because continuous changes in the business policies and implication by the governments put them in trouble. The problem is that legal trouble can cost them. It can even cost you your business. After 9/11 money laundering and other compliance issues are more dealt in the organization standard operating procedure (Wikipedia 2010) Poverty and inequality of income: Due to high inflation and high unemployment rate continuously hitting the poverty level to increase, and that all because of inequality of income, contrary as the inflation increase the cost of business will also increase that thing put the pressure on the business man to reduce the prices because consumer start searching for alternative. In Pakistan micro finance is getting importance as an effective tool for social mobilization poverty alleviation. Currently in Pakistan, a variety of institution including micro finance banks Others ranging from NGOs to private Government sponsored ruler support programs are delivering services to the poor, who dont have access to or neglected by the commercial banks. Micro finance aims at empowering individuals to earn a reasonable income through micro credits. Micro finance caters the needs of borrowers and usually focuses on the segment of the population whose economic status falls below poverty level (Krutz 2004) Ethical issues in business: Ethics and moral compulsion are something that we all come across at one time or another. All persons have to act in a way that would support the society in a proficient setting. In every business there are own policy of individuals and ethics within the particular business have adhere the compliance of the code conduct most of the organization investing lot of resource in order to maintain the ethic and code of conduct within the organization, even though regulatory bodies also penalized the organization if in case of non compliance (Krutz 2004) Constantly Changing Economic Environment: Dynamic economic environment is a night mare for the Contemporary business, because already exist giant in the market is a serious threat for them, because most of them have made cartel and create obstacle for the new business men to enter in the market or survival. Economical changes like inflation , Balance of payment, unemployment and poverty is also hindrance for the growth of business, for the fighting against all these indicators, entrepreneur need specific skill and knowledge, because without that he / she cannot be able to run the business smoothly (Griffin and Pustay 2009) Risk Management: Every organization is vulnerable of low chances events that could have a potentially appalling effect. Every single step has creating question for the organization success, and organization has to fight not only with external factor but has to manage the internal factor of the organization. All around us we find some people / object / substances that are working against the organization and the entire factor is consist of those indicators that need to be monitored. Theft of property Breach of laws Computer crimes Fraud Weather related damage In order to determine the variance between the expected and achieving results company has to determine the specific road map and checklist of the indicator which plays are major role in the indicator (Cateora and Graham 2007). Developing and Mentoring Employees: Managing the employees / labor is the critical issue for the business men in these days because as the dynamic environment is coming around, for competing with that we need to keep our staff in the phase of learning, and continuous training is required to make them up to date.. The actual problem comes when the employee / labor are unwilling to change and create hindrance in the way, so fighting with this problem is the main issue for the entrepreneurs. Negotiating and Managing Critical Relationships with stake holders: Developing / maintaining the relationship with all the stake holders is the important thing for the entrepreneurs because each and every one has its own importance, and without making good relation with them survival is difficult, for all the building relationship entrepreneurs need to have the negotiation and communication skills (Wikipedia 2010). Every day we have noticed that lots of entrepreneurs were lost their businesses just because they are lack with these skills and for understanding the critical relation with the stakeholders we must need to understand the importance, if we neglect the customers, so we lose business, if we neglect the good supplier so we lose the quality, if we neglect the distributor so we lose the perfection is services, and finally if we neglect the Government so we have to ready for the sanctions and implication / charges / penalties. Managing global operation: While organizations turn into global they frequently end up paying a intense price in requisites of managing complex challenges and issues. Host Country Norms and Customs. Workforce management Host country languages Unfamiliar laws and regulations. Unexpected Cost mix. Globalization has exaggerated most of business tremendously. Multinational Corporations are functioning and operating in almost every part of the world. It is significant to expend time in considerate how globalization formulates it pertinent and necessary for a MNC to scatter and spread its capacity and meaning of Operation. It would be correct if attempt to know the philosophy of Multinational Companies are not operating in any certain regions or countries. Similarly, the western worlds describe these shortcomings of Globalization, if a business decides to close up its business and depart from a host company. The general disadvantages which direct to a Multi National Company forgoing globalization include (Gauzente and Ranchhod 2002). Proprietary Technology to host countries. Poor Employee skills. Political risks. Customer response time is slow. Effective communication Common reasons why organization Fail: We can identify certain familiar reasons why Organizations fail to achieve a competitive advantage and end up losing out to their competitors. These reasons are universal in nature and find the same footing in Pakistan as well as any other place in the world. http://smallbiztrends.com/category/current-issues Too much emphasis on short-term financial performance. Quite often, cost cutting, profit maximizing at the cost of social responsibility or employee motivation is a failed strategy pursued by organizations, which just hastens their status to oblivion. Failing to take advantage of strengths and opportunities. This is in reality failing to hold on to proven successful strategies or core competencies. Sometimes a change in leadership leads to change in strategy, where just for the sake of glory and high profits, organizations forget their core competence and opt for strategies and tactic which cause their downfall. Failing to recognize competitive threats. This reason is the exact opposite of failure to make use of the organizations strengths. Quite often organizations decide to pursue status quo and ends up bringing no new product or service or even no innovation in its existing product or service line leading to lack of customer satisfaction, decline in profits and finally being declared a failure. Neglecting operations strategy. This is definitely the most important reason of failure; organizations often end up employing non productive techniques which lead to inconsistent and failed operations. Too much emphasis in product and service design and not enough on improvement. Differentiation in terms of service and product, American companies in 1980s did that they never introduced incremental refinements rather went for big changes and thus lost to Japanese competitors. Neglecting investments in capital and human resources: A total disregard to use the best resource. Capital and human resources in the long run make or break an organization. Conclusion: Successful management is founded on the mastery of a multitude of details and the success of the business is depended on the efficient management from the available resources and decision making for best purpose. While management teach the significance of focusing attention on main issues affect the business, managers realize the main issues are the variety form the business. The small mistake to the business is unrecoverable bankruptcy, in a progressively more controlled society, inattentiveness to one slight detail cans consequence in considerable commotion of the business. Above mentioned problems is not the only problem faced by the entereprenurers but also every day they faced some sort of problem and hazard in conducting operations and meeting the standards, internal and external players of the market are the main indicator that need to be monitored and effectively organized.

Methods For Studying Cells In The Lab :: essays research papers

Methods for studying cells in the lab Centrifugation A centrifuge is a device for separating particles from a solution according to their size, shape, density, viscosity of the medium and rotor speed. Centrifugation can be used to separate cells from one culture or to isolate an organelle from the rest of the cell. The process relies on speed; the faster and longer the particle is centrifuged, the smaller the particles are that will be separated. Separation occurs by causing the larger particles to separate to the bottom as a particle or pellet, and the smaller will remain suspended in the liquid, or supernatant. Due to smaller particles separating out first, centrifugation is often done in small steps so that the supernatant takes off all larger unwanted cells first. The basic process of centrifugation: 1) The tissue must be homogenized to allow it to separate. 2) A salt solution is added to the sample and together they are placed in the centrifuge. 3) The centrifuge is run once for every group of cellular bodies that need to be separated and the pellet is removed. 4) This supernatant is removed after each centrifuge until the time and speed that you need to remove your specific product is obtained. The last centrifuge done will remove specific products that are wanted specifically. The speed determines this, and all of the lager products must be centrifuged out first. The pellet contains what the researcher wants to study, and contains progressively smaller particles as it is separated out. The supernatant becomes progressively clearer until virtually all of the particles are removed. Density Centrifugation Although simple centrifugation removes most cell particles separately, at certain speeds particles with similar densities and particle size will all be removed at once. A different method is needed to remove these. Density centrifugation removes particles according to their density rather than their approximate size. Density centrifugation is much like normal centrifugation other than the re-suspended pellet is placed in a test tube containing at least 10 layers of glucose.

Three Different Types of Human Memory Essay example -- Human Mind, Bra

"Memory is the diary we all carry about with us," Oscar Wilde once said. Now for a second imagine a life without any memories! One wouldn't be able to remember his/her name, how to look after themselves or to even recognize their own friends and family. It would be impossible to live happily without ones memories. That is why our memories are such vital points in our lives. They are the building blocks of our current selves. Due to those reasons it is very useful to find as much information regarding it as possible. For that very purpose this research paper has been written. The purpose of this research is to uncover the truth regarding how the human brain stores and retrieve memories. Throughout this research, topics such as definition of memory, types of memory, diseases resulting in difficulties with memory, as well as the most known phenomena dà ©jà  vu which is caused by a certain type of memory process will be discussed. The word memory can be defined in many ways depending on the field that the term memory is used in. To start of, the most commonly used definition for the term memory is the name given to the human’s ability to encode, store, retain and subsequently recall information and past experiences in the brain. It is a sum of what we remember in total and it enables us to learn and adapt from previous experiences and to build relationships. Etymologically, the modern English word memory has originated from the passed down Latin word memoria and memor which means mindful and remembering. In neurological and psychological terms memory is simply classified as a set of encoded neural connections in the brain. Since the development of the computer in the 1940s, the word memory is also used to describe the ability of a compu... ...althcommunities.com/parkinsons-disease/symptoms.shtml Mastin (2010). The Human Memory. Retrieved January 26, 2014, from http://www.human-memory.net/types.html Memory of Time May Be Factor in Parkinson's (vol.21). (1996). Retrieved from Columbia University Record website: http://www.columbia.edu/cu/record/archives/vol21/vol21_iss22/record2122.15.html University of Toronto (2004, May 7). Scientists Uncover How Brain Retrieves And Stores Older Memories. Science Daily. What makes the human brain unique? (n.d.). Retrieved January 26, 2014, from http://www.sciencemuseum.org.uk/WhoAmI/FindOutMore/Yourbrain/Howdoesyourbrainwork/Whatarethepartsofyourbrain/Whatmakesthehumanbrainunique.aspx When deja vu is more than just an odd feeling. (2006, February 13). Retrieved from http://www.canada.com/ottawacitizen/news/story.html?id=2c4f7afd-5a3a-4e52-a2fb-bc729692bfb4&k=48785

Mechanomyography (MMG) :: essays research papers

MMG simply stated, is the sound that resonates from the muscle during a stimulated contraction. The act of pulling on a taught string and letting go has been related to model the sound generated by the muscle. This sound can be caused by the cycling of the actin myosin cross bridges, or perhaps by the gross lateral shift of the muscle, or maybe even the brief shock generated by the thickening of several active muscle fibers. These are three of the hypothesis that try to account for the sound emitted from the muscle. The exact cause of mechanomyography is yet to be determined, but there are a few attributes that can be spoken for. It is understood that ‘the muscle sound is related to muscle activity and its properties are related to the properties of the contraction.’ (8) The main frequency of MMG is 25 Hertz, British physicist, chemist, and physician William Wollaston determined this. This can possibly be attributed to the ATP turnover rate. ATP can hydrolyze and refurb ished at a rate of about 40msec, which translates into 25Hertz. (8,10)   Ã‚  Ã‚  Ã‚  Ã‚  The MMG signal can be recorded using a variety of transducers. One is the piezoelectric crystal contact sensor (microphone). Some researchers have used a hydrophone in studies when the muscle was submerged in water in vivo, others have used condensers.(11) It will be discussed later some of the differences between the types.   Ã‚  Ã‚  Ã‚  Ã‚  Factors that influence the MMG signal can include stiffness of the muscle, fluid in an around the muscle, temperature of the tissue, fiber type, gender, technique and equipment used, type of contraction performed, amount of fatigue, and cross talk between muscles.   Ã‚  Ã‚  Ã‚  Ã‚  Stiffness can alter the MMG by lowering the amplitude. As the muscle produces a greater force the stiffness of the muscle increases linearly with the force increase. When subject reaches 80 – 100% of MVC this stiffness can cause the amplitude of the signal to decrease due to the fusion of motor unit twitches, which will limit the oscillation.(2) This stiffness can also be attributed when talking about the different types of contraction.   Ã‚  Ã‚  Ã‚  Ã‚  Types of contraction have been shown to provoke different amounts of peak torque. Eccentric forms of contraction elicit greater force production than that of concentric. This could cause a greater stiffness in the muscle during eccentric contractions, which could lower the MMG. Also there is the mechanism behind the contraction that could be the factor.

Outline H&M’s product strategy Essay

Nobody immediately considers Sweden as a country well known for its fashion, but its Hennes & Mauritz retailer has profitably dominated the globe, with almost 1,000 stores in 20 countries. It is now Europe’s foremost clothing merchant, and at present appears resistant from the anguish confronting other sellers. Even though Europe is the chain’s domination, H&M is one of the few fashion retailers to have created a flourishing hold in the US market, with additional outlets by the end of the year, and more planned thereafter. A large deal of H&M’s accomplishment can be accredited to the aptitude of its internal designers, examples of piggy-backer style, swiftly acknowledging trends then acting on it, and being able to turn out patterns that look very much like what other expensive designers are creating. This might appear a little immoral from a fashion standpoint, but H&M supporters don’t care. In fact, they some what are pleased in thinking they got one up on the head honchos of fashion. Another important draw of H&M’s retail strategy is the stores get new merchandise daily. Much of the new stock comes through a rotation system between stores experiencing runs on certain lines. Sources report that H&M â€Å"turns over its entire inventory a whopping eight times a year.† Furthermore, they are recognized to have one of the best rotation cycles in the business, turning â€Å"merchandise from drawing board to store shelves in as little as three weeks.† As mentioned before, H&M’s success is its ability to quickly recognize fashion trends and get them into its product line. Its merchandise is designed by an in-house staff of more than 60 designers and is sold under more than 20 H&M labels. However, H&M doesn’t own any real estate. Instead, the company believes it should concentrate all its resources on retailing. This could be problematic if the owner of the property finds a higher bidder; this could force the retailer to move its business outside of a ‘prime’ area. Another concern is that the company does not have any manufacturing facilities of its own; the clothes are made in Bangladesh, China, and Turkey. Some European countries that have been known in the past  to have sweatshops filled with children laboring for hours. Once this company drives full force into the United States, it only takes one environmentalist to get wind of the manufacturing plants to begin detrimental allegations. The company wo uld most likely deny such an accusation and might be innocent, but often â€Å"corporations involved are unaware because they buy from suppliers or brokers.† Aside from these possible threats, H&M persists to make the journey across the Atlantic. However, the United States in general, and New York City specifically, can be harsh terrain for European merchants, as viewed by the 1994 departure of Galeries Layfayette , the French department store chain. It is not like jumping across the line into a different European country, where the merchant can depend on its previously developed stock network and its reputation with patrons; in the states, H&M is gripping to a tiny association and is far from home. H&M will need to splurge millions of dollars to make its name identification, particularly if it anticipates competing in a city by now overflowing with discounted fashion. H&M will discover itself contending with many American retailers. To compete productively, the company will have to start by importing large amounts of inventory to create an impression on the consumers. In the long run, considerable development will be necessary. They will want to attain some pretty serious scale. Other challenges exclusive to the U.S. retail market include customers’ obsession to marked-down merchandise; H&M may discover it has to open stores in factory outlet centers to move unsold products at low prices. Any of these are possibly opportunities or threats for H&M and none of it will be a small task in itself for the company as it makes its voyage across the ocean. The U.S. financial decline is certain to suppress H&M’s numbers for the immediate future, although, as a discount chain, it should progress better than many, as well as its competitors. In reality, reduction in spending practices may create the exact sort of client H&M aspires to allure; those looking to look as good as they looked in the boom years without the boom. www.heraldonline.com â€Å"H&M Marketing Strategy.† â€Å"Best Managers†; Business Week; Stefan Persson, Hennes & Mauritz; New York; Jan. 13 2003, pg. 63 www.rachel.org Rachel’s Environmental Health News. â€Å"Assessing Business Impacts.† July 1994 www.hoover.com â€Å"Companies that couldn’t make the voyage.†

Inspiration

However, security, trust and convenience are among the major contending factors affecting the adoption of e-payment systems in Nigeria. This paper presents issues on the factors necessary to facilitate the development of PEPS Niger a and devise ways to enhance its adoption by users. Keywords: electronic payment system, e-money, and e-payment, Internet. 1. Introduction The worldwide proliferation of the Internet has led to the recent birth of electronic payment system : a payment service solution-software that enables monetary value to be transferred digitally.Today, electronic payment system s flourishing due to the openness, speed, anonymity, digitization, and global accessibility characteristics of the Internet [1 2], which has facilitated real-time payment transactions and the r business activities. In this paper, we considered some critical examinations on the existing payment structure in Nigeria. AY so reviewed, was different related literatures on e-payment system, and data fr om research reports. T chemical Journals, newspapers, and magazines were likewise examined.. 2.A Brief Review of the General Payment System in Nigeria In a country like Nigeria, where almost eighty percent of TTS population rely on physical cash rather than electronic payment, it is not so simple Just for people and employers of labor, to consider and decide on the basis of cost and benefit of using e-payment systems [2]. In the course of preparing this research, we had the opportunity of visiting few/remote places to find out the perception of the people about electronic money. It was observed that most people have no common knowledge about the Internet, let alone the existence of e-payments.People are quite far from all the CIT developments take Eng place in banking. What people know about banking is the use of physical cash for opposite and payment, but not electronic payments. The existing structure of the Nigerian payment system is fully based on traditional payment instruments of cash and cheeses [18]. Even for large-value payments, like sale and purchase of land and building, people prefer physical cash rather than receiving any other form of payment. This also applies to the general popular Zion. In businesses, people prefer using cheeses and drafts.Thus, Apex Bank (Central Bank of Nigeria – CAB) operates a clearing house, with many network centers for performing queue clearing throughout the country. The clearing house renders revives to the member banks and financial institutions only. Generally, all the banks and financial institutions are members of the clearing house. 2. 1 Electronic Payment Initiative in Nigeria Electronic Payment initiative began recently in Nigeria. Not all the banks and FL uncial institutions are participating in the e-payment system [11]. Although to date, most of the commercial I banks have engaged in providing some form of e-banking services.It is to be noted that not all of these institutions extend their e- banking facilities to their entire branch network. The e- payment services are mostly provided in the capital city ND some bigger cities nationwide. As mentioned, the e-payment facilities available in Nigeria are Automated Teller Machine (ATM) service, debit card, credit card, mobile banking and Internet banking [5]. Intertwines Nigeria Ltd provides the switching and settlement facilities for trans actions performed on ATM; and transact Nigh. Ltd provides mobile e-payment solutions switching and service provider.Banks purchased their software from different vendors to provide all these services to their customers. Authenticity, inter-operability, validity and confidence solely depend on the supplier of hat software [3]. However, the central bank of Nigeria and the supervisory authority of the Nigerian financial system, has thus initiated steps towards the regulation of electronic payment cyst ms in Nigeria [2]. Electronic payment system has also experienced a lot of setback in recent years due to limited availability of ATM services [5].These machines are only made available to few bank branches and clients, while the demand for the card is higher than the services provided. Infrastructure and Information Technology (IT) constraints also contributed to some of the setbacks experienced (such as: gig cost of internet connectivity, energy challenges, banks not fully automated, banks not ready for electronic payment services, and contentedness of people with the existing system because of lack of awareness on the benefit of the new technology [11]. CICS. Reapers/locals-9-2-1-462-467. Dif Facilitating the adoption of e-payment systems: theoretical constructs and empirical analysis Document Information: Title: analysis Author(s): Gives Г ¶azans, (Middle East Technical University, Ankara, Turkey), Guyana Binaural, (Brunet University, Submerged, I-J), Ray Hackney, (Brunet University, Submerged, I-J) Citation: Gives Г ¶azans, Guyana Binaural, Ray Hackney, (2010) à ¢â‚¬Å"Facilitating the adoption of e- payment systems: theoretical constructs and empirical analysis†, Journal of Enterprise Information Management, Volvo. 23 Sis: 3, up. 05 – 325 Keywords: Electronic commerce, Payments, Risk, Trust Article type: Research paper DOE 10. 1108/17410391011036085 (Permanent URL) Publisher: Emerald Group Publishing Limited Abstract: Purpose – The emergence of online transactions, enabled through internet media, has led to an increase in the availability of electronic payment (e-payment) systems. This research aims to investigate, through theoretical constructs (technology acceptance model, theory of reasoned action) and an empirical analysis, the critical factors that may ensure consumer adoption of these facilities.Design/methodology/ approach – This research study mainly uses the deductive approach to consider secondary sources and primary data, where hypotheses have been developed in order to demonstrate the findings. An init ial literature review revealed six issues that are considered critical for e-payment considerations. An anonymous and self- administered survey based on the research model was developed and e-mailed to he respondents. A total of 1 55 questionnaires were coded and analyses using SAPS to analyses the hypotheses.Advances in information technology and changes in laws, institutions and regulations in some countries have encouraged the emergence of new payment instruments as well as the delivery and processing arrangements for small and large value, time critical payments. With e commerce now in the mainstream of economic activities, we can therefore expect more major changes in the payment systems worldwide in the next five years than we have in the last five decades. Obviously, the e Philippines cannot escape from this sea change.This paper discusses key operational concepts involved in a payment system and describes the emerging payment systems in industrialized countries. This gives d eveloping countries, like the Philippines, a preview of the likely evolution of their payment systems in the next few years as they deepen the integration of their economies with the rest of the world. The paper gives a detailed description of the existing payment system in the Philippines and disc uses innovations in payments media, especially noncoms payment instruments, and facilities for the clearing and settlement of payments.Areas for improving the efficiency and reducing risks in existing payment system have been identified. Developments in the payment system have implications for the conduct of monetary policy. The second to the last section of this paper, therefore, deals with this issue. In particular, it discusses specific payment system innovations, such as the switch to ARTS system m and use of electronic payments media, that can enhance or attenuate the effectiveness of traditional monetary tools. The last section presents some recommendations.Key words: payment system ; electronic payment system; credit transfer; debit transfer; electronic money; transmission mechanism; seignior; queue clearing. President, Philippine Institute for Development Studies (PITS). The author wishes to thank Dry. Vaccine Alden's, Jar. , member of the Monetary Board, and Mr.. Francisco P. Yap, Jar. , President of the Philippine Clearing House Corporation, for their insightful comments on the first draft of this paper. Thanks are also due to Mr.. Gill Olivarez Lime, Mr.. Francis vela, Mr.. Jerome A. Archangel, Mr.. Alton Offering, Ms. Carlisle Scintilla, and Mr..Joel A. Ramose for sharing their insights on how the payment system in the Philippines operates. The author s grateful to Ms. Sharon Theta Vital, Ms. Merle Galvan and Ms. Juanita Deletion for their excellent assistance in preparing this paper. The usual disclaimer applies. 2 INTRODUCTION It is commonly known that a country's infrastructure system determines to a large extent the efficiency of the economy. In a mod ern economy, the payment system I s a major component of the country's infrastructure system. Indeed, no country nowadays can afford to take its payment system for granted.Firms pay wages to their employees and purchase raw materials from their suppliers. In turn, they receive payments for the sale of their rodents and services. Consumers make payment transactions several times in a day. Needless to say, value is transferred among participants in the economy every minute of the day, and it increases as the economy grows. The country ‘s payment system, therefore, must be efficient so that funds can quickly move among market participants for productive use, thereby promoting more activities in the economy. According to Humphrey et al. 2000), the resource cost of a nation's payment sys tem can account for 3 percent of its GAP. Modernizing a country's payment system can certainly reduce that resource cost. Thus, while the country continues to spend on roads, bridges, power supply, etc. , it must not neglect to invest in its payment system m to improve the efficiency of economy, in general, and the financial system, in particular. Through the years, payment systems have considerably changed as forms of payment have evolved from precious metals to currency and checks and recently to electro ionic payments.These changes have been made because of the need to facilitate voluminous transactions occurring in rapidly growing and increasingly more sophisticated economies. Customers naturally seek the most efficient payment teeth, while providers of payment services normally seek the most profitable payments system. Advances in information technology and changes in laws, institutions and regulations in some countries have encouraged the emergence of new payment instruments as well as the delivery and processing arrangements for small and large value, time critical payments.With commerce now in the mainstream of economic activities, we can therefore expect more 3 major changes in the payment systems worldwide in the next five years than we have I n the last five decades. Obviously, the Philippines cannot escape from this sea change. Developments in the payment system have implications for the conduct of monetary policy. Well functioning financial markets can improve the effectiveness of Indore CT instruments of monetary policy because it is through these markets that the signal of monetary policy is transmitted to the intermediate and ultimate targets of the policy Monsoons et al. 998). The effective functioning of the financial market is, in turn, affected by the extent of the efficiency of the country's payment system. Also, rapid innovations taking place in the country's payment system can unpredictably alter the emend for and supply of money, thereby affecting the effectiveness of convene national monetary tools. Monetary authorities, therefore, cannot afford to be indifferent to the rapid innovations taking place in the payment system.A coun try's payment system, no matter how advanced and sophisticated, is not immune to risks. One part y in a payment transaction may not be able to receive or use the funds at a time when she needs them for another transaction for one reason or another (e. G. , fraud, bank closure, clearing and settlement failures, etc). More importantly, failure of one par captain to settle one large payment transaction could quickly spread to other transactions and institutions involved in the payment system, causing disruptions to the entire payment system.Systemic failure of the payment system can inevitably undermine t he effectiveness of monetary policy and adversely affect the real sector of the economy. The monetary authorities, therefore, have great interest in promoting efficient and sound payment system and in seeking ways to minimize systemic risk in the payment system because it has important implications for the conduct of monetary policy, the soundness of the uncial institutions and the fu nctioning of the economy as a whole (Baling et al. 996). Recently, the Committee on Payment and Settlement Systems (CAP AS) of the Bank for International Settlements (IBIS) has developed core principles for systematically 4 important payment systems (see Table 1 These are certainly relevant to emerging market and transition economies especially since they are in the process s of improving their payment systems in order to better handle the growing payment flows within and across their borders.The development of these core principles clearly demonstrates he amount of attention currently given by developed as well as develop ins economies in modernizing payment system in light of increasing financial market integration worldwide. This paper in general attempts to assess the efficiency of the existing payment system in the Philippines and its implications for the conduct of MO notary policy. Section II discusses key operational concepts involved in a payment system. This provides a gen eral background to the issues discussed in the subsequent sections.Section II discusses emerging payment systems in industrialized countries. Modern payment systems have evolved in industrialized countries and rapidly spread to developing countries, especially to those that have already substantially liberalized their financial markets. This evolution has continued in response to the growing v illume and complexity of the transactions and as new technologies emerge. Thus, the emerging payment systems in industrialized countries provide developing countries, like the Philippines, a preview of the likely evolution of their payment systems.Socio n IV describes and makes an assessment of the existing payment system in the Philippines. Section V assesses the implications of the existing and likely evolution of the country's payment system for the implementation of monetary policy. The last section presents some recommendations. The IBIS is an international organization, which fosters coo peration among central banks and other agencies in pursuit of monetary and financial sat ability and serves as the central bank of central banks.Its head office is in Basel, Switzerland and its representative office for Asia and the Pacific is in Hong Kong. 5 Economic transactions involve the rangers of goods and services and the corresponding transfer of value . As illustrated in Figure 1 , these transfers flow in opposite direction. A pa Yemen system, which is indicated in the lower part of is a method of transferring value between buyers (payers) and sellers (payees). In reality, a payment system is much more complex than what is suggested in the figure above. 1998) provides the following comprehensive description of a payment system: â€Å"A payment system encompasses a set of instruments and means generally acceptable in making payments; the institutional and organizational framework overdoing such payments (including prudential regulation); and the operating procedures and co mmunications network used to initiate and transmit payment information from payer to payee and to settle payments. † This section discusses the functions, types of risks and payment instruments in a payment system.A. Functions of a Payment System Any payment transaction has essentially two parts: the flow of information providing payment instructions and the flow of funds . Both flows may have different timing and direction. Each payment trans action requires some form of payment instrument o convey the information about the transactions, which may include the face value of the payment, the identity of the parties (I. E. , the payer and the payee) and their intermediaries, the transaction date, ND the value or settlement date.Regardless of the type of payment instrument used to effect payment, the payment system's functions of clearing and settlement occur. Clearing is the process of transmitting, reconciling and in some cases confirming Payne NT orders or security transfer in structions prior to settlement, possibly including netting of instructions and the establishment of final positions for settlement. This will be clarified further below. 6 Settlement is the act of transferring â€Å"good and final funds† between two parties.A Payne NT is settled with finality when the payer can no longer revoke the transfer of funds to the payee and the funds have been delivered unconditionally to the payee. This is the ultimate objective of a payment system. B. Various Types of Risk in a Payment S http://drips. Pits. Gob. PH/iris/PDF/peptidase's. PDF Retail Electronic Payments Systems for Va lee Transfers in the Developing World Bill Manure Department of Anthropology University of California, Irvine [email  protected] Deed Work in Progress This is a draft concept paper.You are welcome to cite or quote, but please do not do so without the author's perm session. Comments welcome. Summary A new â€Å"payments space† has emerged in the past five to ten years that promises to bring access to funds transfer, banking and financial SE revives to millions of unbaked people in developing countries and in the diasporas that remit funds to them. This payments space is characterized by the I innovative use of new information and communications technologies. This paper summarizes the expel irenic to date of us chi new electronic payments systems.

Entertainment History Essay

Within this essay it describes the popular and most common entertainment in Britain, from radio to the movies, in the beginning of the 1930’s. It reveals key feature of entertainment in the early 1930’s, for instance how it started, what were their intentions and what they involved. The radio plays a huge amount in our lives that’s why when it first began it was a phenomenon for the public and became a big success for the nation. It was formed on 18th October 1922, by a group of leading wireless manufactures. Its founder, John Reith, believed that the BBC should educate, inform and entertain the public, he states this when he says ‘Broadcasting should bring †¦ all that is best in every department of human knowledge, endeavour and achievement’. Reith enforced many regulations for instance; rude jokes were not allowed; he banned light entertainment on Sundays; and presenters had to speak properly so accents or dialects were not allowed. He felt that the BBC should provide popular programmes, however he also wanted BBC to be educational and enlightening experience. Which the BBC accomplished, it broadcast all over the U. K and was able to entertain and inform those in their own home, which brought families together. Though the radio had its rivals such as newspapers, and magazines it managed to overcome this by reaching out to all types of the public for example male, female, all classes, the educated and the illiterate. It became even more popular when the new wireless sets were invented; this was a great delight to all homes in Britain, it was very accessible in letting families enjoy listening to the radio. As well as putting across the news around the world the BBC also aired other kinds of interest such as dance music and comedy. This was a great improvement for singers and band leaders because it made them a vast amount of recognitions by the public because it caused their sales of their records to increase hugely. Band leaders such as Jack Payne and Henry Hall were very popular also common programs for example ‘Bandwagon’ went unmissed. As a result, radio was a family orientated source of entertainment and became a way of spending the night in, whilst enjoying yourself, rather than spending your night out. Another big source of entertainment was the cinema. Just as the radio allowed families coming together the so did the cinema, though it was more a family outing. The film industry grew rapidly, however at first the British film industry couldn’t compete with the American film industry. It wasn’t as technically advanced as the American films and the British public preferred to watch more films from America which didn’t created a bigger obstacle for the British film industry. Consequently in 1927 the government passed an act ensuring that at least 5% of the total number of films should be shown in cinemas had to be British. And during that year sound movies was introduced this was a set back for the British film industry economically the silent movies were no match to the ‘talkies’. Such film like ‘The Jazz Singer’ starring Al Jolson was the first sound movie to be shown though the first ten minutes of the film really had sound. Sound became a sensation; people were able to engage in the films for low prices. This was a way of bringing many forms of relationships together such as, couples, friends and families. It was seen as a safe, comfortable and relaxing environment for everyone to enjoy an evening and because one ticket could be used for the whole day, people could spend the entire day in the cinema. Also Tennis became very popular, tennis clubs emerged increasingly and tennis courts were built in public parks by the local council. Though tennis was very popular it was quite expensive therefore it mainly attracted the middle and the upper class. Also because of its uniform it generally appeals to women, there dresses were shorter and movable as a result women could play much more comfortably. Cricket was a further type of entertainment that attracted the middle and upper class. This was an extremely popular sport, it grabbed a lot of attention especially the men. Matches were filled with people mostly the men. And the success of Don Bradman, who was the one who sailed through nearly every match, initiated cricket hitting headlines. Football was a tremendously popular sport that was also male dominated, however it generally drew the attention of the working class. Because this was a new sport, and the prices were very cheap crowds of 50,000 to 60,000 attended the first division matches. It was so crowded people were literally on the field, although during the early 1930’s, since this was a fresh new sport the men weren’t as rowdy and uncontrollable as the men are today. Even football pools were produced, this suggests the popularity of football and how the people of the 1930’s were influenced by this sport. In contrast to these sports greyhound racing was very popular as well though it weren’t as positive as the others. It attracted the working class and made them spend money to get money, although it didn’t work like that for the majority of people; it increased gambling; dept and led to addiction. The unemployed gambled as much as the working class but just spent less money, all of this reflected the fact of entertainment rising in the early 1930’s. Music halls were an additional strong type of entertainment in the early 1930’s, however as grey hound racing was a negative type of sport so was music halls. It was where a selection of entertainment was staged in a large hall with tables at which drinks were served. It presented a variety of entertainment involving a mixture of popular songs, performing animals, acrobats, male/female impersonators, and comedians. It also assists in many acts becoming popular such as Flanagan and Allen, Gracie Fields, Max Miller, and George Formby. The halls mostly attracted the working class because of its cheap prices; it was a place to socialize; and the availability of alcohol was one of the music hall’s attractions. People really came to music halls to unwind and have a lively time. Therefore, because the hall encouraged heavy drinking among both men and women, it didn’t appeal to families seeing as it wasn’t a place for children. Music halls went into a gradual decline after the introduction of talking films, Jazz, Swing, Big Band dance music and cinema. It’s restriction on the range of audience, which limited their customers, was another reason of their failure. Musicals were similar to the music halls as they were both centered on music and performances; however because of the two different audiences it was incredibly different as well. Because of it sophistication musicals mainly attracted the middle and upper classes, the result of this meant that there was no competition. Therefore they carried on being successful. To conclude entertainment was a break through in allowing people to overcome to effects of the depression. Therefore it gave a rise to the upcoming of entertainment and how it affects our lives today.

Diversity in America

The information I have interpreted from the United States about diversity has not help me to better over stand the, and relate to other different from the past. I would say that the diversity issue in this country has made me very aware that we as a country have a long way to go when it comes to diversity. The information I have processed and have been taught about diversity in this nation is how to effectively base upon other beliefs and upbringing to deal with biases.The information I have learned in this course that’s been the most insightful were the discussion question and the mix array of answer and point of views was expressed about various topics. This allowed me the opportunity to see first and the differences of opinions and reality. I have learned a great deal about the various struggles of my ethnic group and other ethnic groups during my studies in this class.It’s easy to get polarized in one’s own thought process and experiences without seeking over standing form others experiences who have suffered and victimized by prejudices and discrimination throughout history as well. Such as the Native American and the American Asian, are a small group of minorities who have experience in justice and a lack of acceptances in main stream American. I believe by the year 2050 the United States will have changed look and feel where immigration and demographics are concern. American will have changed significantly whites will no longer be in the majority.The U. S. minority population, currently 30 percent, is expected to exceed 50 percent before 2050. No other advanced country will see such diversity; most of America’s population growth will be among its minorities, as well as in a growing mixed-race population. Latino and Asian populations are expected to nearly triple, and the children of immigrants will become more prominent. Currently in the United States, about 25% of children under age 5 are Hispanic; it is estimated that by 205 0, that percentage will be almost 40 percent.Changing patterns of immigration have put the United States on a short road to a population diversity never before experienced by any nation—a population in which all races and ethnicities are part of minority groups that make up a complex whole. Bearing in mind that this nation at the same time, will be growing older; the aging population of baby boomers who are concerned about running out of money before they run out of life and about the increasing cost of health care will have a large impact of the future trends of America.These demographic trends will play out differently in different states and regions, with some areas seeing exploding populations while others experience declining based upon current studies. As America continues to grow more diverse; a huge challenge to overcome is the acceptance and over standing of each individual race and culture that makes up that’s great nation. It’s sad to see, that even t oday the lines of separation are far divided by hate and a lack of over standing. This lack will have a direct effect on our future and how will communicate and exist with each other.Diversity helps society to grow as individuals and open our minds to different ways of life. When we are exposed to different ways to live, we see how other cultures carry on we are no longer closed to the idea that we are indeed all different in some way, and those differences are beneficial to our changing world. Diversity also promotes more tolerance allowing people the opportunity to see other as a lesson of growth help us to accept other cultures, and even adapt some of their ways within our society.The differences that we have between us can be used to strengthen society as we know it. Diversity allows us the opportunity to learn, grow, understand new ways of living, and experience life to the fullest. Without diversity, we are closed off in our own worlds. But with it, we expand our knowledge and we are no longer ignorant. When you are aware of the differences and embrace them, then you have taken the blind fold off to living differently and you are a better person for it.The key is exposure and using what you learned to increase more tolerance and decrease things such as racism. Moving forward America can foster an environment and commitment of pluralism; teaching through acceptance and engaging with other from who are different. Without any engagement or relationship with one another pluralism can be achieve. We key way to see this happening is through the media. Because the media is known for polarizing people of color in a negative light they could start to report news fairly and accurately.Also changing their advertising and programming approach; without stereotypes and outlandish perceptions. Engagement with other creates a common society for all, diversity as a whole is pluralism plain and simple embracing each other for our differences. Yes, there are some people wh o still feel threatened by diversity, or even hostile to it. Throughout America history there have been groups that have expressed prejudice and intolerance toward people of color and cultures however as we grow as a nation we need to look forward to the day when all these differences fade away.The United States faces many challenges in diversity of its many people, and there is still a large percent of the population that supports racism and bigotry. If we don’t make these changes we will not be able to move forward in the United States racially and culturally; this is not just a problem with white people, it is a problem facing all the different cultures in the world because racism has many colors, fearing of something new scaring everybody, but with it comes change and I hope that we all could get along in this world and every one occupies.The world and United States has come a long way in battling this war on racism, but it is still has many miles to move ahead before peo ple could see that although different we are all people. The more diverse we become racially and ethnically, the more important it is that we learn to tolerate differences; and also to celebrate what we all have in common. Whether we came to the United States voluntarily or involuntarily, we all choose to live here now. And more people want to live here than anywhere else in the world.

ENVIRONMENTAL AWARENESS Essay Example | Topics and Well Written Essays - 3500 words

ENVIRONMENTAL AWARENESS - Essay Example Environmental components Environment cycle is another component and refers to a natural process that makes it possible for particular elements to be continuously cycled within the environmental compartments such s the soil, air and water. By the help of various environmental cycles it becomes possible for balance to be provided and enhanced to the environment as a whole. Environment cycles exist in a perfect state of unbalance and it’s only through interference by various elements that a state of instability becomes present thus leading to an endangering of both abiotic and biotic components within its existence (Elizabeth, 2012). A cycle in the environment basically refers to an act of transfer of a particular atom that follows another in a cycle and in the process waste products is eliminated thus leading to environmental stability. There are various environmental cycles that are present in the environment that include: carbon cycle –with carbon being the fourth most abundant element of the gaseous package of the environment. Carbon cycles take place through the ocean, land, atmosphere and the earth’s interior. ... Through decomposition of biological wastes by the involvement of microbes it also becomes possible for nitrogen to be released into the atmosphere. Human activity mainly involves the use of nitrogen as fertilizers (Gardner, 2011). Phosphorous cycle refers to the uptake of phosphorous by organisms. Rocks through the weathering process are that main producers of phosphorous in the environment and is mainly used by humans as fertilizers for their farm lands. Additionally water cycle simply refers to a process that makes it possible for water to be transferred from the atmosphere through condensation and its movement to the earth through precipitation after which it’s transferred to the normal atmosphere using basically the process of evaporation. In the first part of the report I will look at a more detailed understanding of the water cycle and focus on how human activities impact the process of water cycle in the environment (Elizabeth, 2010). Methodology The research will answe r the question of how the environmental process of the water cycle is impacted by various human activities. My research will involve the use of secondary data sources which will be through a review of literature on this topic from books, peer reviewed sources and electronic sources. Discussion Understanding the water cycle The water cycle is also commonly referred to as the hydrologic cycle to describe the transitional stages and processes that relate to the movement of water in the environment. Generally the global water cycle can be understood through a deeper review of nine major processes that form a basis for its movement. As a cycle, the water cycle has no start or conclusion and is basically referred to as an infinite continuous process. Water cycle takes into

Mechanical properties and acoustic behaviour of screed Essay

Mechanical properties and acoustic behaviour of screed - Essay Example The topping thus made is a layer of high strength concrete, with better mechanical properties than other finishing matrial used ordinarily on the surface bases........(1) However, due to the poor surface finishes available at sites, it is advisable to use screed adequately while making correct leveling for the laying of screed to get the required smooth finish. Proper tools like trowels are used for this purpose. The general guidelines for laying a screed layer provide that there should not be any deviation of more than 3mm over a length of 3 meters, to get the smooth and level floor of good quality. The figure shows the deviation curve for the screed layer on a concrete surface over a 3-meter length, with datum level as reference point...........(2) There are mainly two types of screeds, bonded and monolithic screeds. The difference lies in their application. While bonded screed is applied to a hardened concrete floor surface, monolithic screed is applied at the time of laying the concrete flooring itself. This type of screed is applicable only on strong and hardened concrete that has a characteristic strength of more than 20MPa, as the bonding of adhesive is not possible for screed with weak concrete. Moreover, the screed layer cannot fill any cracks on the base floor and therefore the crack will show up over a period. The base concrete surface should be smooth and level to allow a screed layer of approximately 25 mm. thickness, being in the range of 15 to 40 mm.. The preparation of base concrete should be such that it is hardened uniformly, free of oil or dirt, If there is a presence of any earlier screed layers, then same need to be removed by scrapping allover, as the cleaning at edges or pecking at intervals will not be sufficient. The surface should be vacuum cleaned with high air pressure to free it of all dust particles. For this purpose, a mixture of sand and cement should be

Your father runs a small auto body shop. He has decided to computerize Essay

Your father runs a small auto body shop. He has decided to computerize his records and has asked you to explain the basics of accounting - Essay Example Assets in the balance sheets include money, financial records, notes receivable, catalog, prepaid operating cost, office materials, equipment, apparatus, vehicles, structures, and real estate. The law for asset accounts shows that they ought to augment with a debit entry and reduce with a credit entry. The standard balance for an asset account is debit. The standard balance of any financial credit is the entry type, debit, or credit. This augments the account when saving transactions in the periodicals and redistributing to the ledger. Liabilities, on the other hand, include debts and obligations, which may include accrued expenses, salaries payable and sales tax payable in the balance sheet. For the equation to balance, recording of the liability account increases in an opposite way of the assets. Stakeholders’ equity is the net assets after deductions have been made. The deductions depend on the company. Depending on spending, the stakeholders’ equity either increases or decreases. Income statements reflect on revenue expense activity. In the balance sheet, retained earnings make part of the stakeholders’ equity. These earnings remain after deductions have been made on all the expenses and net income. Journal entries that would affect the balance sheet are any item that is related to assets, owner’s income, and liability. Examples are machinery, creditors, and stakeholders income. Journal entries that would affect the income statement are any expenses, and revenues. Assumptions that have done include entity concepts, principle of reliability, principle of cost, principle of going-concern and the concept of stable-monetary unit (Agtarap-San,

The Professional Studies 2 Task Research excercise Essay

The Professional Studies 2 Task Research excercise - Essay Example Michael Gurian, author of The Minds of Boys. Saving Our Sons from Falling Behind in School and Life, and founder of the Gurian Institute has concluded, after 20 years of research (Gurian 2005, p. 9), that there is a "crisis that many boys experience in our educational culture today" (Gurian 2005, p..9). Gurian's scientific research shows that boys learn differently than girls in five significant ways. They learn through sensory-tactile experiences, by attaching learning to physical movement, by chunking or attacking one task at a time, by organizing information into groups, lists or sub-groups, and by exercising their need to physically move between tasks (Gurian 2005, p. 48). I intend to address one of the gender-based differences through an action research proposal which asks the question: Can Art be effectively incorporated into cross-curricular foundation subjects as outlined by the National Strategy, to increase oral communication and literacy skills in boys. Gurian's research indicates that "girls have, in general, stronger neural connectors in their temporal lobes than boys do; these stronger connectors appear to facilitate more sensorially detailed memory storage and better listening, especially for tones of voice. Boys in general pick up less of what is aurally going on around them, especially when it is said in words, and need more sensory-tactile experience than girls in order for their brains to light up with learning." (Gurian 2005, p.48). Boys should be offered the option of communicating through art and oral communication first. Once they have formulated their thoughts, through art and talk, they can commit their well-formulated ideas to paper. "For boys, the arts provide a vehicle for making meaning visible, allowing them to "see" the story as it unfolds. Through the arts, boys can express and explore emotion in a safe context. Both of these factors have been found to increase boys' understanding and enjoyment of the texts the y read." (Ontario Education 2004, p.22). We aren't asking boys to replace writing skills with oral and visual communication. We see them struggle with formulating abstract thought. Because all thinking moves from concrete to the abstract, from the visible to the invisible, we're allowing our boys a more boy-friendly way of putting things down on paper. I choose action research as the preferred method for attaining information because its methods are ideally suited to classroom investigation and it allows for continued Action Research 3 professional development, not only throughout the research period, but also in a continuous manner thereafter. Cohen and Manion describe it as "an on-the-spot procedure designed to deal with a concrete problem located in an immediate situation. This means that ideally, the step-by-step process is constantly monitored over varying periods of time and by a variety of mechanisms (questionnaires, diaries, interviews and case studies, for example) so that the ensuing feedback may be translated into modifications, adjustments, directional changes, redefinitions, as necessary, so as to bring about lasting benefit to the ongoing process itself rather than to some future occasion" (Cohen and Manion 1994, p.