The Kinetic Energy Essay Example

The Kinetic Energy Paper The point of this bit of work is to examine the variables that influence how quick a marble/metal roller ventures once it has gone down the shade rail. Variables: There are 5 fundamental factors that influence the speed of the marble/metal roller once it hits the ground subsequent to going down a window ornament rail.â The surface may well change as it changes from the blind rail to the floor. It could be smoother or more unpleasant. On the off chance that its more unpleasant the ball will hinder its speed very fast because of erosion while in the event that it were smoother it would travel a further separation since it will have a higher speed. It will be simpler to disregard the surface on the off chance that it is smooth. The marble/metal roller itself could be of significance. Its weight and breadth could influence the speed. The greater and heavier the ball the shorter the separation it will travel in light of the fact that the speed will be more slow than with a little light ball which will travel faster.â Another point would be the stature of the start of the track from the floor. The higher the track the quicker the ball will travel when it falls off the end. Notwithstanding, if the track is near the floor the marble/metal ball won't get much of anywhere because of low speed. We will compose a custom paper test on The Kinetic Energy explicitly for you for just $16.38 $13.9/page Request now We will compose a custom article test on The Kinetic Energy explicitly for you FOR ONLY $16.38 $13.9/page Recruit Writer We will compose a custom article test on The Kinetic Energy explicitly for you FOR ONLY $16.38 $13.9/page Recruit Writer This is the most significant factor since it pretty much decides the speed the marble/metal roller is going to travel and how far it is going to travel.â Air opposition may have a minor impact in the speed of the marble/metal ball. There is almost consistently air opposition thusly it could back the ball off a minuscule fraction.â The length of the track could have an enormous influence. The more drawn out the track the quicker the marble/metal roller needs to go to get a more drawn out separation. On the off chance that it is a short track the metal roller will be at a higher speed as it arrives at the floor since it hasnt had a lot of time to back off. Reasonable Test For this to be a reasonable test everything must be done similarly. On the off chance that you choose to pick the tallness of the track to be the most compelling component then that is the main thing we should change. A similar ball must be utilized for each test. If not the size of the ball could accelerate or hinder the normal speed of a similar ball. A similar track must be utilized each time. If not the various tracks could have a more unpleasant or smoother surface from one another and this may influence the speed of the marble/metal ball once arrived at the floor. Before timing each test the separation estimated and planned toward the finish of the blind rail must be the equivalent each time you do it. It should likewise be done in a similar spot to ensure that the air opposition is the equivalent. Every one of these angles must be experienced for it to be a fruitful investigation. Predication and Scientific Knowledge My expectation is that the higher the shade rail toward the start the quicker the marble/metal roller will go along the floor and the further it will go along the floor. The lower the drape toward the start the more slow the ball will travel in light of the fact that there isnt as much gravity driving it along the rail. On a rollercoaster for instance there is Gravitational Potential Energy at the highest point of a drop which changes over into Kinetic Energy when it arrives at the base of the drop and eases back down. Gravitational = mass x stature x gravitational Field Strength Potential Energy Kinetic Energy = 1/2 x mass x speed 2 There is likewise moved into heat vitality and sound vitality. Be that as it may, at that point on the off chance that we disregard the laws of erosion and the vitality emitted from grinding both Gravitational Potential Energy and Kinetic can be equivalent. On the off chance that the tallness changes on one the speed will changes to be equivalent too. Technique: To discover the speed of the marble/metal roller going along the floor it should be planned over a specific separation. The separation ought to be exact and sensible to have the option to get a decent time in. It ought to be 2 or 3 meters. Ideally 3. It ought to be estimated from five statures and coordinated on every one. This ought to be done at any rate multiple times to get a decent normal and set of results that you can work with. The scope of statures should be similarly separate. For this situation it ought to be 10cm, 20cm, 30cm, 40cm, and 50cm. The occasions should be recorded from when the ball leaves the window ornament rail to where the 3 meters is done. All outcomes must be recorded. Fundamental Experiment: In our starter explore we found that Gravitational Potential Energy changes over into Kinetic Energy once at the base. The marble/metal ball step by step eased back down as it went along the floor. Something else on the starter tests was that once the ball had tumbled down the base and up the opposite side of the drapery rail and switched in couldnt arrive at a similar stature as the beginning in light of the fact that the marble/metal roller has lost a large portion of its Gravitational Potential Energy and in this manner cannot transform it into Kinetic Energy any longer. The Obtaining.

Coca Cola Company Operations And Strategies Business Essay

Coca Cola Company Operations And Strategies Business Essay Coca Cola was designed by Doctor John Pemberton a drug specialist from Atlanta, Georgia in May, 1886. John Pemberton developed the Coca Cola equation in a three legged metal pot in his terrace. The name was a proposal given by John Pembertons accountant Frank Robinson. The soda was first offered to people in general at the soft drink wellspring in Jacobs Pharmacy in Atlanta on May 8, 1886. Around nine servings of the soda pop were sold every day. Deals for that first year indicated an aggregate of about $50. Be that as it may, it cost John Pemberton over $70 in territories, so the primary year of deals were a misfortune. Until 1905, the soda pop, promoted as a tonic, contained concentrates of cocaine just as the caffeine-rich kola nut. In 1887, another Atlanta drug specialist and representative, Asa Candler purchased the equation for Coca Cola from designer John Pemberton for $2,300. By the late 1890s, Coca Cola was one of Americas most well known wellspring drinks, to a great extent because of Candlers forceful showcasing of the item. With Asa Candler, presently in charge, the Coca Cola Company expanded syrup deals by over 40% somewhere in the range of 1890 and 1900. On April 23, 1985, the prized formula New Coke recipe was discharged. Today, results of the Company are devoured at the pace of more than one billion beverages for each day. Presently organization creates in excess of 300 drink brands. The corporate central command are in Atlanta, with nearby activities in more than 200 nations around the globe. In excess of 70 percent of the salary originates from outside the U.S, yet the genuine explanation they are a really worldwide organization is that the items meet the fluctuated taste inclinations of customers all over. Yet, the Company has a few issues that impact its benefits and position in the market. For example, despite everything delivering its Coca Cola Classic item, which contains elevated levels of sugar and caffeine which is adversely sway costumers health.â And it might decrease the interest for a portion of their items and effect clients trust or dedication.  The subsequent one is prohibited deals of Coke in its cafeteria by the Indian parliament. At the point when coca cola was tried, it was discovered that it incorporates high convergences of pesticides and bug sprays, including lindane, DDT, malathion and chlorpyrifos. A few examples tried demonstrated the nearness of these poisons to be in excess of multiple times the standard permitted by the European Union. In any case, similar beverages were seen as sheltered in US. The third issue is blacklist against the companys utilizing colossal measure of water from the normal groundwater source. What's more, because of its activities the rare water has been contaminated by Coca Cola (contextual analysis Coca Colas technique, www.thecoca-colacompany.com). Crucial Vision Statement Statement of purpose Coca Cola Companys statement of purpose is to boost shareowner esteem after some time. So as to accomplish this crucial, are making an incentive for their buyers, bottlers, and their networks. The Coca Cola Company makes an incentive by executing complete business procedures (crucial qualities, (2009) www.thecoca-colacompany.com). Vision Statement To accomplish feasible development, Coca cola has set up a dream with clear objectives: Benefit: Maximizing come back to investors; Individuals: Creating incredible work environment where individuals are motivated to be as well as can be expected be. Thomson, Gamble, and Strickland (2006) recommend that Coca Cola accepts a notoriety for workforce decent variety makes selecting representatives simpler (gifted workers from assorted foundations regularly search out such organization); Portfolio: Bringing to the world an arrangement of refreshment marks that envision and fulfill people groups wants and needs; Accomplices: Nurturing a triumphant system of accomplices and building common reliability; Planet: Being a mindful worldwide resident that has any kind of effect (crucial qualities, (2009) www.thecoca-colacompany.com). Companys Strategies Brand improvement Strategy. P.Kotler and K.L.Keller (2009) propose that brands signal a specific degree of value with the goal that fulfilled purchasers can without much of a stretch pick the item once more. So Coca Cola Company to far reach and to oversee staying in the spotlight it made Brand improvement technique. This methodology is compelling as it has had the option to build, oversee just as keep up its image picture since yesteryears. As Kotler et. al., (2009) contend, brand dependability gives consistency and security of interest for the organization and makes obstructions to section that make it for different firms to enter the market. The brand unwaveringness is the instrumental in keeping up companys brand picture. Throughout the years, Coca Cola has finished a few assessments of brand improvement and the organization makes it a point that the items under the pennant Coca Cola keep on attacking the brains of the buyers. It includes 4000 clients to test 20 brand characteris tics consistently. As to the brand advancement of Coca Cola Zero, the organization came out with a notice, which was very not quite the same as the regular ones. In such manner, (no calorie refreshment), it has dished out three kinds of items: Coca Cola Classic; Diet Coke; Coca Cola Zero. There are barely any specialists who accept that when Coca Cola had the slogan of The Real Thing, it was actually that yet with the creation of different classifications of coke, the genuine article changes to numerous things, and the first flavor is generally lost. Henceforth, the brand building methodologies ought to be to such an extent that it doesn't confound individuals and can hold buyers in spite of the way that few new non mixed drink firms are on the (improvement system of Coca Cola, finance.mapsofworld.com). Business Intelligence Strategy. So as to comprehend what buyers favor it means to utilize Information innovation (IT) to screen the beat of its customers.â â According to Information Week article titled Cokes RFID-Based Dispensers Redefine Business Intelligence, Coke intends to reveal the Freestyle drink allocator across the country which is taking the idea of client decision higher than ever, and the most intriguing perspective is the innovation its based on. As per Rainer and Turban (2009), business knowledge (BI) is applications and advancements for solidifying, investigating and giving access to huge measures of information to assist clients with settling on better business and key choices. Free-form will become Cokes bleeding edge automated armed force for BI, sending huge measures of utilization information back to the refreshment companys Atlanta central station. The distributors gather information on what clients are drinking and how a lot, and transmit that data every nig ht over a private Verizon remote system to Cokes SAP information stockroom framework in Atlanta. One of a kind side-effect of this BI empowered allocator is that Coke can evaluate new flavors and get back practically constant criticism on the reasonability of its success.â  With an upper hand this way, I think its a smart thought Coke store its IT subtleties to build up its formula equation. Value technique. Now and then Coca Cola Company changes their item costs as indicated by the season. Summer should be a decent season for refreshment industry in Pakistan. So in winter they diminish their costs to keep up their deals and benefit. In any case, regularly they diminish the costs of their pet containers or 1 litter glass bottle. Advancement methodology. They get or buy retires in enormous departmental stores and show their items in those racks in that style which show their item more clear and progressively alluring for the shoppers (Coca colas business insight methodology, www.itstrategyblog.com). SWOT Analysis Qualities: 1. Brand value 2. Item circulation and overall system 3. Strong money related execution 4. One of the universes most perceived brand. 5. Development Shortcomings: 1. FICO assessment 2. Client focus, especially in the US (Wal-Mart represents over 10% of Coca Colas business in the US) 3. Hates the main situation in India, Pakistan. Openings: 1. Conceivable developing interest. 2. Extension arriving at all portions. 3. Globalization 4. Obliging Health Consciousness of People 5. Filtered water development Dangers: 1. Wellbeing Drinks Fruit Juice Companies 2. Key contenders (Pepsi, and so forth) 3. Item costs development 4. Picture discernment in specific pieces of the world (contextual analysis Coca Colas procedure, www.thecoca-colacompan). Main thrusts I think the principal main thrust for the organization is client request. In the event that there is no interest it is significance in creating the item. So for the Coca Cola, main thrust is client request. The subsequent one is development. These days organizations must have the option to endure and develop in an ever-evolving market. So as to accomplish these they ought to methodicallly improve and convey new products.â According to Companys late 90s income development of 15-20% every year, turned in three straight long periods of falling profits.â It was clear that the market was changingâ and for keeping up these changes, Coca-Cola needed to move from a solitary center item to an absolute drink company.â This was a significant change on the grounds that their past progress was base on having one effective center product. Now Coca-Cola offers almost 400 unique items in is despite everything overwhelming the refreshment industry.â The third main impetus is globalization. Todays enormous business happens on a worldwide scale, and Coca-Cola is no exception.â Technology is ceaselessly evolving business, and these steady changes have been making it increasingly plausible and beneficial for organizations to extend their tasks comprehensively so as to serve every unique sort of differing markets around the world.â Coca-Cola is making the most of the huge income openings made conceivable by taking an interest in a worldwide market and now offers items in 200 nations around the world.â Issues As I would like to think the principle issue of the Coca Cola Company is as yet creating its Coca Cola Classic item, which contains elevated levels of sugar and caffeine is creating an ongoing scene on

Modern pricing models Essay Example | Topics and Well Written Essays - 2500 words - 1

Present day valuing models - Essay Example This work included ascertaining a subordinate to quantify how the rebate pace of a warrant shifts with time and stock cost. The consequence of this computation held a striking similarity to a notable warmth move condition. Not long after this disclosure, Myron Scholes joined Black and the consequence of their work is a startlingly precise choice estimating model. The Blackâ€Scholes model was first distributed in their 1973 paper, The Pricing of Options and Corporate Liabilities, distributed in the Journal of Political Economy (Black and Scholes, 1973). Robert Merton was the first to distribute a paper growing the numerical comprehension of the choices estimating model, and instituted the expression Blackâ€Scholes alternatives valuing model (Merton, 1973). Merton and Scholes got the 1997 Nobel Prise in Economics for their work. Dark was referenced as a benefactor by the Swedish Academy however ineligible for the prize as a result of his passing in 1995. Dark and Scholes cannot assume all acknowledgment for their work, in reality their model is really an improved form of a past model created by A. James Boness in his Ph.D. exposition at the University of Chicago (). Dark and Scholes enhancements for the Boness model come as a proof that the hazard free loan cost is the right markdown factor, and with the nonappearance of presumptions in regards to financial specialists chance inclinations. The Blackâ€Scholes model expect that the market comprises of in any event one unsafe resource, generally called the stock, and one riskless resource, as a rule called the currency market, money, or security. The key thought is to support the alternative by purchasing and selling the hidden resource in the perfect route and, as a result, to wipe out hazard. (irregular walk) The prompt log returns of the stock cost is a microscopic arbitrary stroll with float; all the more definitely, it is a geometric Brown movement, and we will expect its float and unpredictability

The Significance of Symbols in Literary Works by Jackson and Behr - Literature Essay Samples

A symbol in the story is like a souvenir from a travel destination. It holds meaning beyond what is actually being seen. Every author has their own deft way to instill thematic meaning into a seemingly inanimate object, which then grows to become a powerful symbol. In horrific stories about reality such as The Lottery, Jackson uses the black box as a strong representation of tradition, whereas in books inspired by sociocultural situations such as The Smell of Apples, Behr successfully uses apples and whales to portray child-like innocence. The more we start comparing and contrasting these works to one another, the more interesting and real the conclusions we derive become. To begin, Jacksons Box symbolizes the fear of change. We read that the box is so broken and worn out that it had to be reconstructed into a newer one by its old parts. Still, the villagers have been using it since decades even though its opening rituals have been forgotten due to the increase in population with every passing generation. This fact clearly states that the most prominent elements of the past, according to the villagers, must be preserved as much as possible despite of the dark, ugly and defective aspects. Evidently, the Box plays quite a significant role in maintaining the traditions of the village. Similarly, Behr uses apples as a symbolic means to remember the heroic past. The apples were brought to South Africa by the Afrikaaners hundreds of years ago when they invaded the country into pieces in order to rebuild it, with their own systems and set of rules for everyone to blindly obey. Over the years, it became a typical symbol of their accomplishments and dominance over the native land. However, the the same apples, which present-day Afrikaaners are so proud of, get a stain of Afrikaaner brutality when Johan Erasmus’ semen is transferred onto their skin via Frikkie. As one of the most militarily important people in the government, Johan serves as a reflection of white supremacist thought prevailing within the Afrikaaner community as a whole. By raping an innocent child, he tarnishes that heroic historical image for the readers. Thus, apples illustrate how contaminated Afrikaaners are, and were when they set foot on South Africa to victimize the innocent citizens. Unlike the apples, the black box is only showcased to the public for two hours every year. During these hours, all villagers try their best to keep their distance from it because they are- like normal humans- afraid of death. This clearly foreshadows the future conflict. Yet, certain aged villagers like Mr. Summers confidently take the responsibility of keeping the special box with them for the rest of the year. It is soon realized that the old men play the biggest role in controlling and implementing such a tradition. They take advantage of the fact that this tradition leaves most villagers unscathed, In order to make it last. This points to the power of tradition as it is perpetuated by those in charge. In contrast to how the box is cherished by the powerful, the whales in the smell of apples characterizes weak victims dwelling fearfully in Cape Town’s apartheid era. The whales are being caught and killed in massive numbers annually for no fair reason. This is analogous to the conflict regarding an end to social righteousness. For instance, the discrimination against the the Coloreds by the whites. Furthermore, it emphasizes the growth of unjust power in the hands of cruel people. Nevertheless, Behr introduces a Christian symbol of knowledge and maturity, that juxtaposes this concept of innocence, in the previously-discussed apples. Frikkie examines them and becomes curious about their smell. He unknowingly uses a euphemism for Johan’s inhumanity: rotten apples. Although he never discloses the abuse to Marnus, Marnus ultimately figures out where the smell originated from; and this origin becomes painfully clear to the reader himself. Therefore, it is the apples that symbolize realization and coming-of-age of both the readers and the characters by the end of the novel. In conclusion, Jackson cleverly chooses her box to evince the the invariable sense of power and fear throughout her short story whilst Behr develops his symbols to characterize tarnished naivety. However, both taint their symbols to criticize the influence of tradition. The indirect messages conveyed by both is unfortunately very relevant and relatable, not only to the present world but also to international relations, childhood and human nature.

The Lewis And Clark Expedition - 1433 Words

The Lewis and Clark expedition was a truth that was to become the crowning accomplishment in the lifetime of the brilliant thinker, inventor, and founding father, Thomas Jefferson . It has become a profounding turning point throughout America’s history. Investigating the recently obtained Louisiana Territory, which nearly doubled the size of the country, arranged Jefferson the opportunity to widen the boundaries of the United States to include both the Atlantic and Pacific oceans. The threat of the unknown lay ahead for Lewis and Clark’s team. The explorers had no idea what they would e be confronted with on their journey, but still they advanced into the unknown area that could officially be called part of America. Thanks to the addition of Lewis, Clark, their essential guide Sacajawea, and the many men that traveled with them America was able to expose land as well as providing important information about the topography, the biological studies, the ecology, and the st udies of the American Indian as they discovered the mysteries of the Louisiana Purchase. Although it was a treacherous and costly journey, the Lewis and Clark expedition was the most important exploration in American history. In the beginning explorations of North America, European adventurers headed into the interior of the continent, within various decades of the first coastal expeditions of this â€Å"New World†. Adventurers ,or even daredevil is the fitting word here, for more tentative men would haveShow MoreRelatedThe Lewis And Clark Expedition1333 Words   |  6 PagesMeriwether Lewis. Lewis turned for assistance and invited the U.S soldier and experienced outdoorsman, William Clark, to share command of this legendary expedition. The explorers marched to the unexpected challenges and experiences that laid within the unfamiliar land. Their contributions to the extraordinary expedition provided valuable information regarding the topography and ecology the Louisiana territory had to offer. Appointed for the Position The Lewis and Clark Expedition coveredRead MoreLewis and Clark Expedition1018 Words   |  4 PagesJames Jang William and Meriwether, better known as Lewis and Clark, were hired by the U.S. president Thomas Jefferson to explore the newly bought Louisiana Purchase. The Louisiana Purchase was bought from France in 1803. Lewis and Clark started their expedition in 1804 near St. Louis. The group of explorers called themselves the corps of discovery. In the first winter they were helped by a Shoshone Indian named Sacagawea. Their journey was full of trouble and challenges but in the end led to a greatRead MoreThe Lewis And Clark Expedition1415 Words   |  6 PagesCaptain Meriwether Lewis and William Clark put their lives on the line only to return with information regarding the Pacific Northwest of the United States territory. Their reasons behind this journey, being to expand the United States to the West, involved the entire nation but debatably, their accomplishments and the reaction of others became a major part of today’s history. The foremost reason behind the Lewis and Clark expedition was all based on Thomas Jefferson’s, president at the time, interestRead MoreThe Expedition Of Lewis And Clark1270 Words   |  6 PagesWithout the expedition of Lewis and Clark, the American history that people know would be completely different changing the accomplishments in history. The background and experience Lewis and Clark already developed prior to the expedition would be very beneficial and help make the journey easier. The development of the mission played a key part in the expedition itself because if the development did not play out exactly how Jefferson planned, then the expedition may not have been as successful.Read MoreThe Lewis And Clark Expedition1405 Words   |  6 Pages Sacajawea is a renowned Native American woman who played a significant role in the Lewis and Clark Expedition. As stated by Brown, â€Å"She turned to dreaming of the future, of what it might hold for Pomp (her son), as she had dreamed of what might lie ahead for her when she had learned she was to be going on the expedition. But it was no dream that she had become a part of history† (110). Although most of her history is unclear, one thing is definite - without the help of Sacajawea, the United StatesRead MoreThe Lewis And Clark Expedition1424 Words   |  6 Pages On May 14, 1804 in the eastern city of Saint Louis, William Clark and Merry-weather Lewis set of on the westward adventure that would change America as we know it today. Their journey began on the Mississippi River, those rapids would propel Lewis and Clark into the Corps of Discovery. Across the vast land that these men would soon travel lived the many native-american tribes. The Native people hunted freely across their western lands, lived their life as one with the ground they so carefullyRead MoreThe Expedition of Lewis and Clark581 Words   |  2 PagesThis report is on Lewis and Clarks adventure through the United States. On May 14,1803 William Clark and nearly four dozen other men met up with Meriwether Lewis on May 20. The Lewis and Clark Expeditio,n The Corps of Discovery began making its way up the †¢. \\?\ \? Missouri on a †¢ss-toot-long ship and two smaller boats. As they traveled,Clark spent most of his time on the ship journaling the course and making maps. Lewis wa s often on the shore, studying the rock formations, soil,animalsRead MoreThe Expedition Of Lewis And Clark1522 Words   |  7 PagesMany people in America know of the historical expedition of Lewis and Clark, but only a few know of the expedition to California led by Jedediah Smith. This expedition took place after Thomas Jefferson signed the papers to acquire a huge region in the west through the Louisiana Purchase. After this expansion many people were eager to explore the west and among those was Jedediah Smith. From his childhood, Smith dreamed one day of exploring the unknown west part of the United States. He once saidRead MoreLewis And Clark Expedition : The Great Expedition2140 Words   |  9 Pages Lewis and Clark Expedition The Lewis and Clark expedition was amongst one of the first major American expeditions. This expedition helped the United States advance in science, land as well as gaining many valuable resources. The Lewis and Clark expedition is also an amazing American story. Lewis and Clark went through extraordinary situations to expedite Americas growth and science. They accomplished this expedition with strenuous encounters with the NativeRead MoreLewis and Clark Expedition Essay926 Words   |  4 PagesThis paper will explain why Lewis and Clark are two of the greatest explorers in American history. Some of the distinguishing factors of these explorers and the three main points in this paper are their exploration of the uncharted west by way of the Missouri river, the many discoveries made along the way, and the effect they had on the westward expansion of the United States. In January 1803, Thomas Jefferson sent a confidential message to Congress asking for approval and funding of the exploration

Argumentative Reflection - 934 Words

Argumentative Essay Reflection One of my central struggles throughout high school has been writing essays and reports for all classes not just english. I was a little worried when I signed up to take this course, since it counted as a college credit. Even though I was worried about taking this course, but I am thankful that I did. The main reason behind my decision to take this course is because I thought it would better prepare me for college. This argumentative essay was one of the hardest essay that I have written. I have never written in this style before this essay. Even though, I have never been the best writer, I have always got good grades. After receiving my first rough draft I knew this class was not going to be easy. The part†¦show more content†¦One of the areas of my writing where I was struggling in using my voice. Granite, there were parts of my essay where I successfully integrated quotes within my voice, but for the most part that was my weakest area. For e xample of one of my better integrated quotes, in my third paragraph when I say, â€Å"Today, consumers rely on social media for everything, whether it is communicating with old friends, finding new friends, shopping, researching, and staying informed with the latest news. Daniel adds that, â€Å"‘Americans who take part in political activities on social networking sites also tend to be highly active in other areas of political or civic life’† (29), which insinuates that people rely on social media more today than we have in the past†. This was one of my better examples because I further explain and analyze the quote in my voice instead of just ending the sentence after the quote. One of my poor examples is, â€Å"Many people who suffer from depression care a lot about what others think about them. That is why many of those people tend to turn to social media as an outlet to express their feelings†. I made a bold statement and did not back up what I said with my voice I just ended that sentence and moved on. Instead of moving on I should have explained it further and told them why people tend to turn to social media to express their feelings. One of the areas of my writing where I wasShow MoreRelatedLearning New Vocabulary At Parkview Middle School972 Words   |  4 Pageschromebooks) and student reflections on strategies based on a Likert scale (administered on on Google forums on Google classroom using student s chromebooks) All data was kept anonymous except for the vocabulary quiz which was counted as a grade. Method I examined my student’s preconceptions about their ability to learn new words. I taught seven content area words (argument, counter-argument, cite, inference, evidence, introduction and conclusion, these words were part of a argumentative writing unit) overRead MoreWhy I Am A Doctor1334 Words   |  6 Pagespractically throughout the whole article. 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I do not believe that my account reflects my shy, well-mannered public self as I am more vocal when I comes to my Facebook profile. Looking t hrough the posts and comments I have made, it seems to be very clear that I have no worries about an employer going through my profile as I believe the decision of whether to hire or not should not depend on one’s social media account. It is a poor reflection of how one will be at work becauseRead MoreReflection Paper About Movie Review1058 Words   |  5 PagesReflection Paper The course of Academic Writing has been a long process of writing, editing, and making sure I develop enough writing skills since I will always use them no matter what career path I choose to take. Throughout this semester I wrote papers in a different genre and how each genre needs special requirements. As a writer, I must think about the appropriate language, the audience, and the content of my paper. 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The terms thesis statement, elaboration and analysis all sounded foreign to me and I struggled to grasp the basic understanding of an argumentative essay. To make it worse, I was required to write an argumentative essay immediately after learning the format to check our understanding. I had never struggled in translating my ideas on my paper

12 Main Known Types of Maritime Accidents free essay sample

Commercial Fishing Mishaps:  Even fishing for commercial purposes can lead to fatal incidents being caused. Inexperienced fishermen – sometimes even experienced ones – can fall overboard. Harsh weather conditions can also could severe damages to a commercial fishing expedition.   Accidents on Tugboats:  Tugboats  are those which help move huge ships to enter docks. They are small in nature but are powerful to ensure that the large vessels are handled safely. But sometimes because of the blockage of the visibility of tugboats by the larger vessels, maritime accidents occur. Also human error on the part of the pilot of the tugboat can also lead to unwanted and unexpected tugboat mishaps.. Accidents on Crude Oil Tankers and Cargo Ships:  The major cause of accidents on  cargo tankers  is explosions. Since the very nature of the materials these tankers transport is dangerous and highly flammable, even the most minor of  explosions  can cause enormous losses. According to statistics, one of the main reasons for oil tanker accidents occurring is because of workers’ negligence – nearly 84-88%

Teenagers and Students Essay Example

Teenagers and Students Essay People in this group are young children that are still at compulsory education which means they will not need any big loans from bank to pay off any expenses e.g. University fees, although their parents might want to set up a savings account for them for when they grow up. Their parents and guardians will also support them so they should be responsible for any of their financial needs. Teenagers and Students (17-22) Teenagers and students from the age of 17 to 22 are quite different from the school age youth. This is because they are no longer at compulsory education and their financial needs have increased so their parents or guardians may support them less financially, because they will be expected to get a job. This means they will need to open a bank account so that when they do get in to the world of work their salary can be paid directly to the account. There are lots of financial services available to teenagers and students e.g. credit cards, but they might not be open to all of the major credit card companies e.g. (Master card, Visa, American express) because they do not have any credit history so they will need to start off with a student credit card. We will write a custom essay sample on Teenagers and Students specifically for you for only $16.38 $13.9/page Order now We will write a custom essay sample on Teenagers and Students specifically for you FOR ONLY $16.38 $13.9/page Hire Writer We will write a custom essay sample on Teenagers and Students specifically for you FOR ONLY $16.38 $13.9/page Hire Writer Some people in this group will be finishing 6th form / college and be looking to go University and take their education to a next level but this in not cheap so they may need a bank loan to pay for the University fees. Post-education / pre-families (23-30) People in this group are young adults that have just finished university and looking to start a family. So this means that their financial needs will be quite great. This is because people in this group will be paying off student loans for their university fees. They might also want to get a mortgage to buy a house just to start off a family. The parents may perhaps open up a bank account to start saving for their childrens future university fees. Established families (40-50) Established families will be still paying off their mortgages and other financial debts. Parents in this stage will still be at work to keep on supporting their family financially. Their kids will be close to the time of leaving their house so there parents will be saving money for their kids university fees, if they decide to go on to further education. In addition they might also want to start thinking about starting life insurance Mature household (50-60) People in the mature household sector are at the stage of their life where there children will be moving out of the house and going on to further education at university, this means that the parents may be saving for their childrens university fees. At this time of their life they should have paid off or be close to paying off their mortgages and financial debts, but this all depends on how high their income is. Parents in this life stage will be thinking about life insurance so they will need to pay money in to their life insurance. Retired pensioners (60+) At this stage of their life they should have paid off their mortgages and other financial services. Pensioners are at a stage in their life where they do not have any big financial responsibilities. They will only be paying for personal needs E.g. clothes and food. This is because at this time of their life their children will be definitely moved out of the house. Pensioners are being supported financial by the government. Task 3 Introduction In task 3 I have been asked to design and create a fact sheet that explains three different banking services available to two people at different life stages, the people I am going to choose are Students and young families. Bank Services available for Students from Royal bank of Scotland and Barclays Bank Graduate current account A current account is used to hold funds for an individual. The benefit of having a current account is that it is an easy way of adding interest to the money that is in the account. Students will need a current account for many reasons, like salaries and benefits can be paid in and paying bills can be made a lot easier. This is because money can automatically put in and the bill will be automatically paid via direct debit. The account will also give interest on the balance will help their money grow. The graduate royalties account is available for 3 years and comes with an interest free overdraft up à ¯Ã‚ ¿Ã‚ ½2000. An overdraft is a service that enables the account holder to withdraw over and above what they actually have in the account. Overdrafts are only available to people over the age of 18. This service will be appropriate for teenagers because it is flexibility on those occasions when you might need to spend before your money is paid in. This is also a preparation for teenagers to handle loans and credit cards because it is the banks money they are handling on a small scale. Student Credit from The royal Bank of Scotland A credit card allows customers to purchase goods on credit. This means that the customer will not have to pay for the good at the time of the transaction. The banks loans the customer money by a credit card. This loan is interest free for a short period time (after which the APR is usually quite high). The student Credit Card is designed for student life. It is a big breakthrough for students when they need all their essential needs. Food, clothes and books. When you add up all the expenses of student living it comes at a big price. On the student credit card there is up to 56 days interest free credit and this should come as good news (if the customer pays the balance in full and one time and have paid the previous months balance in full and on time) If not the interest rates will apply. The card is very flexible because it can be managed online from a computer or MAC to check balances etc. Graduate loan from Barclays Bank A loan is when a bank lends a customer money for a long term period. Interest rates vary depending on the sum of money taken out and the time taken to pay it back The graduate loan from Barclays bank is designed for students at university that are reaching their peek at university and getting ready to graduate. At this point in their life they are not really financial blessed so the graduate loan will help the individual settle down in their new life. The customer can borrow up à ¯Ã‚ ¿Ã‚ ½10,000 and can apply for repayment terms up to 60 months so this is really good and flexible for the individual. Fixed interest rates so monthly repayments never change. Loan Amount Representative APR Repayment Term* Monthly Repayment Total Payable à ¯Ã‚ ¿Ã‚ ½3,000 8.4% 60 months à ¯Ã‚ ¿Ã‚ ½62.38 à ¯Ã‚ ¿Ã‚ ½3,742.80 à ¯Ã‚ ¿Ã‚ ½5,000 8.4% 60 months à ¯Ã‚ ¿Ã‚ ½103.97 à ¯Ã‚ ¿Ã‚ ½6,238.20 à ¯Ã‚ ¿Ã‚ ½10,000 8.4% 60 months à ¯Ã‚ ¿Ã‚ ½207.93 à ¯Ã‚ ¿Ã‚ ½12,475.80 Bank Services available for Young Families at HSBC First time buyer mortgage from Barclays bank A mortgage is the transfer of an interest in property (or in law the equivalent a charge) to a lender as a security for a debt usually a loan of money. While a mortgage in itself is not a debt, it is lenders security for a debt. It is a transfer of an interest in land (or the equivalent), from the owner to the mortgage lender, on the condition that this interest will be returned to the owner of the real estate when the terms of the mortgage have been satisfied or performed. In other words, the mortgage is a security for the loan that the lender makes to the borrower. The first time buyer mortgage from Barclays bank is designed for people who are looking to buy their first home. So the first time buyer mortgage is designed to make this easy for the customer. There is a 2 year fixed rate mortgage so the customer can budget better at the start of their mortgage. Mortgage Interest rate Application fee What can I borrow? Early Repayment Charge 2-year fixed rate 6.49% until 31/01/2010, then for the remaining term BBBR + 0.95% currently 6.45%. The overall cost for comparison is 6.8% APR à ¯Ã‚ ¿Ã‚ ½995 Up to 95% of the value of your home 3% of the balance repaid until 31/01/2010 2-year fixed rate 6.79% until 31/01/2010, then for the remaining term BBBR + 0.95% currently 6.45%. The overall cost for comparison is 6.8% APR None Up to 95% of the value of your home 3% of the balance repaid until 31/01/2010 BBBR = Barclays Bank Base Rate. Homeowner loan from Barclays bank The homeowner loan is simply made for people that own a home and need to borrow between à ¯Ã‚ ¿Ã‚ ½5000 and à ¯Ã‚ ¿Ã‚ ½100,000. The payments can be paid over 25 years and the monthly outgoings could be reduced by 50% this is achieved by spreading your new loan over a longer term. By doing this, your overall interest payments will increase. Platinum Credit Card from the royal bank of Scotland The platinum credit card from the royal bank of Scotland is designed for people that are over 25 and earn more than à ¯Ã‚ ¿Ã‚ ½25,000 a year. This is clear the key charteristcs of an individual in the young families life stage. The customer can get 0% interest for 13 months from when they open their account and also pay 0% interest on balance transfers. Summary Box The information contained in this table summarises key product features and is not intended to replace any terms and conditions. APR Typical 13.9% APR (variable) Other Interest Rates Introductory Rate Monthly Rate Annual Rate Simple Effective Purchases 0% for 3 months 1.094% 13.128% p.a. 13.947% p.a. Balance Transfers 0% for 13 months 1.094% 13.128% p.a. 13.947% p.a. Cash Advances N/A 1.873% 22.476% p.a. 24.942% p.a. Money Transfers N/A 1.094% 13.128% p.a. 13.947% p.a. Interest Free Period Maximum 56 days for purchases if you pay your balance in full and on time, and have paid the previous months balance in full and on time no interest free period on cash advances or money transfers. Interest free period on balance transfers only applies to the introductory period. Interest Charging Information The periods over which interest is charged are as follows: From Until Purchases transaction date repaid in full Balance transfers transaction date repaid in full Cash advances transaction date repaid in full Money transfers date debited to your account repaid in full Allocation of Payments We will apply payments we receive to your account in the following order: Interest on special offers Other interest, any fee and charges Special offers Purchases and balance transfers Cash advances and money transfers See section 2(D) (b) of your Credit Card Agreement for full details. Minimum repayment Greater of 2.25% of your balance (rounded down to the nearest pound) or à ¯Ã‚ ¿Ã‚ ½5 each month. Please note: we do not recommend that you only ever make your minimum payment. Amount of credit Minimum initial credit limit is à ¯Ã‚ ¿Ã‚ ½300 and maximum is à ¯Ã‚ ¿Ã‚ ½20,000. All other credit limits (including the maximum available) are subject to status. Fees No Annual Fee. Charges Cash advances (except gambling transactions) subject to a handling fee of 2.5% with a minimum of à ¯Ã‚ ¿Ã‚ ½2.50; Balance transfers subject to a fee of 2.5% (min à ¯Ã‚ ¿Ã‚ ½5) during the first three months from account opening unless you qualify for exemption from that fee or are notified of a different fee under the terms of a special offer we make in connection with your application; Foreign exchange transactions subject to conversion fee of 2.75% (including purchase of foreign currency and travellers cheques); Copies of statements are subject to a fee of à ¯Ã‚ ¿Ã‚ ½3. Default charges Late payment and over limit fees are à ¯Ã‚ ¿Ã‚ ½12; administration fee of à ¯Ã‚ ¿Ã‚ ½10 to process dishonoured cheque or direct debit; administration fee of à ¯Ã‚ ¿Ã‚ ½12 to return unpaid promotional cheque to prevent you going over your limit. This is the rates and fees from the platinum credit card from the rbs (http://www.rbs.co.uk/personal/credit-cards/g1/platinum.ashx#tabs=section2) Task 4 Introduction: In task 4 I have been asked to explain the distinctive features of two selected retail banking services that render them suitable for two contrasting customers. 7.9% APR typical on Barclays bank personal loan. Annual percentage rate (APR) is the simplified counterpart to the effective interest rate the borrower will pay on a loan. In many countries and jurisdictions, lenders (such as banks) are required to disclose the cost of borrowing in some standardized way as a form of consumer protection. APR is intended to make it easier to compare lenders and loan options. The APR is likely to differ from the note rate or headline rate advertised by the lender, due to the addition of other fees that may need to be included in the APR. However the APR can be found simply by asking the lender, or reading the section about APR in your contract. Typical: The typical part of the annual percentage rate means that the percentage rate may not be the same as the advertisements. The changes are made due to the position of the applicant, depending on how much dept they are in, the level of income they are having etc. People in all life stages will be looking for the lowest Annual percentage rate. 5.25% AER on e saving reward from Barclays bank. Annual Equivalent Rate is a notional rate thats generally quoted on interest paid on savings and investments. It purports to demonstrate what interest return would be if the interest was compounded and paid annually instead of monthly (or any other period). If an account pays interest more than once a year, say, for example, monthly or quarterly, then the AER is calculated by adding each interest payment to the deposit and then calculating the next interest payment, compounding the interest. Thus, on accounts where interest is paid quarterly, the AER will be slightly higher than the quoted gross rate because of the compound interest earned on the interest paid during the year[T1]. Task 5 Introduction: In task 5 I have been asked to describe two retail banking providers that might be considered appropriate to the likely financial needs of two contrasting customers. I will be explaining for is post education / pre families and established families. I will use Barclays bank and the post office Barclays bank will be appropriate for a senior student in university finishing their degree and preparing to have a family. This is because they will be looking for a retail bank to offer them a basic current account to enable them to manage their bills and other finances. People in this life stage will not want to focus on saving or investing although they might want to leave some money aside. Barclays also provides saving products. So if a senior student wants to invest or save large amounts they have a wide range of saving facilities to choose from such as long term savings plans or short term saving plans. This can be managed via online banking so it will make it very easy and save time for the customer. Barclays offers insurance products for all kind of possessions. Such as life, care, home and travel. This will be appropriate for someone in this life stage because they will have lots of important things that will need to be insured. Post office will be appropriate for people in the established family life stage this is because it is more about saving and investments. This will be good because it will help them save for the future whether it is for their children or just for the future. The post office provides the instant saver service, witch has a great rate of 3.75% AER. There is great access to their service because they have over 13000 branches across the uk. Plus over 60000 ATMs across the uk. In addition the account can be managed via online banking. The instant saver offers a double interest guarantee. The first guarantee is to pass on any rise in the bank of England base for 2 years. The second guarantee is that the customers interest rate will never be more that 1% below the bank of England base rate for the life of the account. All interest is paid in annually. The post office also provides a child trust fund. This will be very suitable for people in the established life stage because their life will be comfortable and established so the will be in a good position to want to save for the future and for their children. The child trust fund is a stake holder account. Which means it has strict standards that must be met by the government, and one of these standards is that some of the money must be invested in shares. Task 6 Introduction In this task I have been asked to describe three savings products which will be considered appropriate to the financial needs of two contrasting customers at a given life stage and the customers that I am going to do are people in mature house holds and young families. Savings Builder from Barclays bank The savings builder is for people who have at least à ¯Ã‚ ¿Ã‚ ½10,000 to save, and wants a great rate of interest with easy access to their account via the Internet and telephone. These will be key characteristics of an adult in a mature household. Interest is calculated on the daily statement balance of the account and is payable monthly on the first working day of the month. The rates of interest depend on the account balance and whether any withdrawals have been made from the account in the previous calendar month. Where no withdrawals have been made interest is calculated at the higher range of rates applicable to the account balance. On the other hand when or more withdraws have been made the interest is calculated at the lower range of rates applicable to the account balance. So this will encourage the customer to save. The Saving builders from Barclays Bank will be appropriate for people in an established family as well. Established families should be able to have at least à ¯Ã‚ ¿Ã‚ ½10,000 if they would like to use the service. The rates of interest depend on the account balance and whether any withdrawals have been made from the account in the previous calendar month. Where no withdrawals have been made interest is calculated at the higher range of rates applicable to the account balance. On the other hand when or more withdraws have been made the interest is calculated at the lower range of rates applicable to the account balance. So this will encourage the customer to save. Day to Day Savings Account from Barclays Bank The Day to Day savings account is designed for someone who will need immediate access to their money for unplanned expenses or special treats, which will be part of a universitys students life style. The customer doesnt have to be a regular saver and it is cheap to open with just à ¯Ã‚ ¿Ã‚ ½1 which will be great for the customer. Plus a cash card is available allowing the customer to withdraw up to à ¯Ã‚ ¿Ã‚ ½300. Day to Day Savings Open from à ¯Ã‚ ¿Ã‚ ½1 Maximum deposit N/A Interest rate 4.26% AER (4.18% gross pa)à ¯Ã‚ ¿Ã‚ ½ Access Instant Interest paid (frequency) Monthly Account management Branch, phone, cash card and online (if registered this for Online Banking) The day to day savings account will be appropriate for established families. This is because established families will be settled in their homes heading towards paying off their mortgage, so this means that they will be able to afford to take money out on a day to day basis. In addition believe that adults in this life stage will have unexpected things to pay for like birthdays and day to day maintenance of their child. High Interest Deposit Bond from HSBC Bonds are usually referred to as risk-free bonds, because the government can raise taxes or simply print more money to redeem the bond at maturity. Some counter examples do exist where a government has defaulted on its domestic currency debt, such as Russia in 1998 (the ruble crisis), though this is very rare. The high interest deposit bond is designed for people in the established families life stage. This is because it is designed for people who have between à ¯Ã‚ ¿Ã‚ ½2000 and à ¯Ã‚ ¿Ã‚ ½50000 in savings and concerned about falling interest rates and looking to change the rate of their savings. 5.75% AER /gross. Adults living in this lifestyle will have this kind of amount in savings so it will definitely be appropriate for them. The savings can be over 1, 2 or 3 years and the interested can be added on a monthly or annual basis. Effective Date Term Net % Gross % AER % High Interest Deposit Bond Monthly interest (Fixed Rate) 01.09.08 6 months 4.29 5.37 5.50 12 months 4.48 5.60 5.75 24 months 4.10 5.13 5.25 36 months 4.10 5.13 5.25 High Interest Deposit Bond from HSBC will also be suitable for people in the teenager and student lifestyle this is because students at university or post graduate students will be looking into saving money in high interest. There are a lot of different time scales they can invest for jus to suite them, whether it is 6 months or 3 years. This will be very appropriate because it will enable them to have a lot of money saved in the bank for when they leave university and preparing to start their own family. Task 8 Introduction In this task I have been asked to describe and explain in detail two investment products that will be considered appropriate for two contrasting customers at a given life stage. This will be people in teenager and student life stage and young families. Income Bonds from National Savings and Investments. Income Bonds provide the customer with a monthly income at a competitive variable interest rate, with no risk to their capital. Income Bonds from national savings and investments will be very suitable for young families because the people in this life stage will be doing post graduate work or finishing university. It will be very helpful because the income bonds will provide them with an additional monthly income. This will enable them to help out with your household outgoings, or to contribute to a few of lifes little luxuries. It is very convenient because they can choose to withdraw money when ever they want with no notice and no penalties. Income Bonds from national savings and investments will also be very appropriate for people in the teenager and students life stage. This is because people in this life style will be provided with an additional monthly income which will be very supportive for their day to day needs. It will be able to support them if their student loan has not been activated. It will also be very helpful for when they are about to leave university and preparing to live by themselves. Interest Rates Total Investment Gross rate pa AER Under à ¯Ã‚ ¿Ã‚ ½25000 4.45% 4.54% à ¯Ã‚ ¿Ã‚ ½25,000 + 4.70% 4.80% Gross is the taxable rate of interest without the deduction of UK Income Tax. AER (Annual Equivalent Rate) is a notional rate that illustrates what the annual rate of interest would be if the interest was compounded each time it was paid. Where interest is paid annually, the quoted rate and the AER are the same. The Baby Bond CTF account from The Childrens mutual The baby bond ctf account is stakeholder account for parents to save and invest their money for their kids for the later future in the governments way. This will definitely be the key characteristics of adults in the young family life stage. So that there is a chance for more potential growth, the baby bond account will be in a share-based fund. There are risks in doing this because the value of shares can go up and down, but the baby bond account is a long-term investment of 18 years so a big amount will be made despite the continuous change in the value to the shares. The minimum amount that can be paid in to start the account is à ¯Ã‚ ¿Ã‚ ½10 so it is easy and cheap to get started, and with all other contributions there could be a potential sum of up to à ¯Ã‚ ¿Ã‚ ½1200 and that is on top of the governments addition. The childs account is increased of its value by 1.5% The baby bond ctf account will be very suitable adults in the student life stage because it will be a great step to preparing for their childrens future it is a long-term investment of 18 years so a big amount will be made despite the continuous change in the value to the shares. The minimum amount that can be paid in to start the account is à ¯Ã‚ ¿Ã‚ ½10 so it is easy and cheap to get started, and with all other contributions there could be a potential sum of up to à ¯Ã‚ ¿Ã‚ ½1200 and that is on top of the governments addition. The childs account is increased of its value by 1.5% Total amount paid in (including à ¯Ã‚ ¿Ã‚ ½250 voucher and à ¯Ã‚ ¿Ã‚ ½250 at age 7) Possible value of Baby Bond(r) Stakeholder account in 18 years time Based on 5% growth each year Based on 7% growth each year Based on 9% growth each year à ¯Ã‚ ¿Ã‚ ½0 à ¯Ã‚ ¿Ã‚ ½500 à ¯Ã‚ ¿Ã‚ ½821 à ¯Ã‚ ¿Ã‚ ½1,090 à ¯Ã‚ ¿Ã‚ ½1,440 à ¯Ã‚ ¿Ã‚ ½10 à ¯Ã‚ ¿Ã‚ ½2,660 à ¯Ã‚ ¿Ã‚ ½3,790 à ¯Ã‚ ¿Ã‚ ½4,690 à ¯Ã‚ ¿Ã‚ ½5,840 à ¯Ã‚ ¿Ã‚ ½25 à ¯Ã‚ ¿Ã‚ ½5,900 à ¯Ã‚ ¿Ã‚ ½8,260 à ¯Ã‚ ¿Ã‚ ½10,100 à ¯Ã‚ ¿Ã‚ ½12,400 à ¯Ã‚ ¿Ã‚ ½50 à ¯Ã‚ ¿Ã‚ ½11,300 à ¯Ã‚ ¿Ã‚ ½15,700 à ¯Ã‚ ¿Ã‚ ½19,100 à ¯Ã‚ ¿Ã‚ ½23,400 à ¯Ã‚ ¿Ã‚ ½100 à ¯Ã‚ ¿Ã‚ ½22,100 à ¯Ã‚ ¿Ã‚ ½30,500 à ¯Ã‚ ¿Ã‚ ½37,100 à ¯Ã‚ ¿Ã‚ ½45,400 Task 9 Introduction In this task I have been asked to describe and explain three other financial services which might be appropriate to the likely financial needs of two contrasting customers. Income Protection from Royal Bank of Scotland Income protection is designed as a safety net to keep people financially healthy just in case of a long- term illness or accidental injury which could play havoc on peoples finances. I believe that this will be very appropriate for people in the mature household life stage. Simply because their life is moving at its peak so they will definitely need some sort of back up if something was to go wrong. It could help maintain your familys standard of living, providing a monthly income to help pay your mortgage, other debts or household bills. The plan is very flexible they can decide on how long they want their income to be paid if they are off work. It can be until any age from 50 to 65. The monthly income they receive under the plan is guaranteed until they are fit enough to back to work or until the plan end for example if they intend retirement age. Income protection will also be suitable and appropriate for people in the post education and pre families life stage. This is because they will be on the way up to starting their life on their own. So it will be vital for them to have some sort of safety net. This is because if there is no form of financial back up it will leave the individual in a very critical position. Travel Insurance from The Royal Bank Of Scotland Travel Insurance is designed to cover medical expenses, money invested in non-refundable pre- payments, and other losses that happen while travelling either within ones country, or internationally. The royal bank of Scotland will be very suitable insurance company for someone to choose because it is one of the biggest travel insurance companies in the UK so they have a big reputation to give their customers confidence in them. Travel insurance will be suitable for people in all life stages simply because everyone should be insured when they are away on holiday. But I think this will suite people in Mature households more because they will probably have the most expensive assets because they are one of the most families settled in their life. Travel insurance will be very suitable for people in post graduate and pre families life stage because people in this life stage are very active and tend to travel a lot so it will be very important for them to be insured whilst on holiday. Car Insurance from The Royal Bank Of Scotland Car insurance is insurance purchased for cars, trucks, and other vehicles. Its primary use is to provide protection against losses incurred as a result of traffic accidents and against liability that could be incurred in an accident. Car insurance from The Royal Bank Of Scotland is very good. They provide a courtesy car for the customer when there car is being repaired. If the customer has home insurance with the royal bank of Scotland they will save 15%. Although car insurance is vital for people in all life stages, this service will be very appropriate for people in mature household because of all the benefits that come with it such as the 15% discount that comes with the insurance. That is only available to people with home insurance, and that will be something that mature households will have. [T1] I do not know how to work out an example

102 Frankenstein Analysis Professor Ramos Blog

102 Frankenstein Analysis Frankenstein Quick Write What has been your greatest achievement? Think about why you did it? We are not gonna share, I just want you to think about this, we will get back to it later. Frankenstein We watched the lecture on Frankenstein:  Frankenstein: Defining the Monster. Mary Shelley’s  Frankenstein, or the Modern Prometheus What does the title of the book mean? Frankenstein is the name of the Doctor that is telling us the story. What about the second part? What or who is Prometheus? What do you know about him? Victor Frankenstein: The Narrator, Doctor, creator Prometheus: ? What does modern Prometheus mean then? The Question The question I want to consider now is: What does it mean to be human? Arguably, literary texts in charting human actions and emotions and so on, reflect back at us what makes us who we are? What makes us tick? By looking at the monsters we create, we can learn what is means to be human and/or to be humane. I want to focus on a passage from Chapter 5. Let’s return now to the quick write. What was Dr. Frankenstein’s greatest achievement? Most would say it is the monster. Chapter 5 It was on a dreary night of November that I beheld the accomplishment of my toils. With an anxiety that almost amounted to agony, I collected the instruments of life around me, that I might infuse a spark of being into the lifeless thing that lay at my feet. It was already one in the morning; the rain pattered dismally against the panes, and my candle was nearly burnt out, when, by the glimmer of the half-extinguished light, I saw the dull yellow eye of the creature open; it breathed hard, and a convulsive motion agitated its limbs. How can I describe my emotions at this catastrophe, or how delineate the wretch whom with such infinite pains and care I had endeavoured to form? His limbs were in proportion, and I had selected his features as beautiful. Beautiful! Great God! His yellow skin scarcely covered the work of muscles and arteries beneath; his hair was of a lustrous black, and flowing; his teeth of a pearly whiteness; but these luxuriances only formed a more horrid contrast with his watery eyes, that seemed almost of the same colour as the dun-white sockets in which they were set, his shrivelled complexion and straight black lips. The different accidents of life are not so changeable as the feelings of human nature. I had worked hard for nearly two years, for the sole purpose of infusing life into an inanimate body. For this I had deprived myself of rest and health. I had desired it with an ardour that far exceeded moderation; but now that I had finished, the beauty of the dream vanished, and breathless horror and disgust filled my heart. Unable to endure the aspect of the being I had created, I rushed out of the room and continued a long time traversing my bed-chamber, unable to compose my mind to sleep. At length lassitude succeeded to the tumult I had before endured, and I threw myself on the bed in my clothes, endeavouring to seek a few moments of forgetfulness. But it was in vain; I slept, indeed, but I was disturbed by the wildest dreams. I thought I saw Elizabeth, in the bloom of health, walking in the streets of Ingolstadt. Delighted and surprised, I embraced her, but as I imprinted the first kiss on h er lips, they became livid with the hue of death; her features appeared to change, and I thought that I held the corpse of my dead mother in my arms; a shroud enveloped her form, and I saw the grave-worms crawling in the folds of the flannel. I started from my sleep with horror; a cold dew covered my forehead, my teeth chattered, and every limb became convulsed; when, by the dim and yellow light of the moon, as it forced its way through the window shutters, I beheld the wretch- the miserable monster whom I had created. He held up the curtain of the bed; and his eyes, if eyes they may be called, were fixed on me. His jaws opened, and he muttered some inarticulate sounds, while a grin wrinkled his cheeks. He might have spoken, but I did not hear; one hand was stretched out, seemingly to detain me, but I escaped and rushed downstairs. I took refuge in the courtyard belonging to the house which I inhabited, where I remained during the rest of the night, walking up and down in the greate st agitation, listening attentively, catching and fearing each sound as if it were to announce the approach of the demoniacal corpse to which I had so miserably given life. Oh! No mortal could support the horror of that countenance. A mummy again endued with animation could not be so hideous as that wretch. I had gazed on him while unfinished; he was ugly then, but when those muscles and joints were rendered capable of motion, it became a thing such as even Dante could not have conceived. I passed the night wretchedly. Sometimes my pulse beat so quickly and hardly that I felt the palpitation of every artery; at others, I nearly sank to the ground through languor and extreme weakness. Mingled with this horror, I felt the bitterness of disappointment; dreams that had been my food and pleasant rest for so long a space were now become a hell to me; and the change was so rapid, the overthrow so complete! Let’s return now to the quick write. What was Dr. Frankenstein’s greatest achievement? Most would say it is the monster. The Creation Scene Dr. Frankenstein is trying to do a great thing: he wants to save human lives. Why then is his greatest achievement, life, an abomination, a creature, a monster? Why does he turn his back on the monster? What theory from Cohen would help us understand why the creation is a monster? Who then is the monster? If you had a baby that was born with a physical or mental handicap, would you turn your back? Would you be horrified? Monster Theory and Frankenstein In small groups, look at the seven theories to see which apply to Frankenstein and his Monster.

East Asian Studies Essay Example | Topics and Well Written Essays - 750 words

East Asian Studies - Essay Example Confusian teachings often concentrated on the development of the intellect rather than innovation and this ensured that many Chinese chose to remain in an almost static state (Confucious 13). Because of the influence of Confucianism, it became the norm for many of the Chinese people to want their lives to remain the same. The system of government of the land did not change because despite there having been many dynasties which ruled China from the ancient to the modern period. One will find that despite these numerous dynastic changes, none of the administarative rituals nor the system of governance was significantly changes to encourage the growth of the society (Holcombe 6). The elite consisting of the imperial family and the nobility, remained the same and it is these who competely dominated all matters of importance in the society. It was in the interests of these individuals to ensure that everything remained the same because it is the established system which ensured that their power was secure (He and Warren 272). It is possible that it is the elite which fostered the static nature of Chinese society since it allowed them to remain dominant while at the same time keeping the lower classes of the society subservient to their interests. The other reason why China was not able to achieve a powerful status on the global state which would have spurred its modernisation was its aversion to matters concerning the military. The Chinese society frowned upon the development of the military because the latter was considered to be a cause of instability rather than a guarantor of security (Ebrey 478; Paludan 136). Consequently, the military was extremely underfunded and its main role in the society was essentially ceremonial. It is possible that aversion to the military was based on the history of the nation where at the end of certain dynasties, the

Second Generation Essay Example | Topics and Well Written Essays - 750 words

Second Generation - Essay Example It depicts the Asian community differently from the way we know it. It has themes such as authentic lives of Asians, British Asian underground music and romance amongst teenagers. The writer Neil Biswas wanted to give a picture of Asian community as it really is, as opposed to how it is perceived on TV. The director Jon Sen sought to address the world’s fascination of Bollywood as it has packaged their culture as a fashion with celebration and vigor (Sandhu, 1). With this production, they depict the seriousness of their Hindu and Islam religions, as the West does not understand the seriousness of it. The epic drama serves to inform and educate its audience, while opening doors to the lives of teenagers in Whitechapel (Sandhu, 1). The main character, Sam, a young boy rapper uses his own money to start up a record label to promote raw talent in the hope that his music will elevate him. His friends however, contact other record labels and turn the music into something commercial. The teenagers in the streets use music to express their feelings of anger and rebellion (Sandhu, 1). The stars in the drama are distinguished actors and actresses, well known to the Asian community and have a list of big productions under their belt. The drama unlike others is not about problems of assimilation, but of position and influence (Sandhu, 1). The article describes the misleading fallacy that has existed for a long time concerning Asian women. In episode 1 of Second Generation, Heer is depicted as an independent woman living with her fiance as opposed to the Asian home portrayed by other media. She is however forced back into her family life when her father falls into a coma. Heere is Sam Khan’s first love and their romance is rekindled after they reconnect. The themes of this episode are love and family. In many Asian stories that have been told in the past, the subject of love and romance is always never brought up. Mostly, they shy away from showing such topics and we as the viewer have concluded that it’s not a topic for dinner time discussion (Channel 4). The article describes an area that is not common in Asian programs or dramas. It is safe to say that it is a result of multiculturalism. It gives us an impression of a black neighborhood with the underground music scenes. Furthermore, there are aspects of multiculturalism that the second-generation teenagers have adopted, different from their predecessors such as music, especially rap (Sandhu, 1). Minority media and diasporic media represent media of a minor community found in a greater region. Their role is to keep the identity of the minority within the new community. Older generations have a problem with recognition as the amalgamation of people and culture fosters aspects such as mixed marriages. Therefore, there is fragmentation of the original culture and a rise of multicultural democracies. The British Asians of the Second Generation drama have adopted a new culture and p lace a risk of fading away of their original culture. The author, Eugenia Siaperain in her book, Cultural Diversity and Global Media: The Meditation of Difference looks into media production and the role the internet has played in diasporic communication. The internet has opened up a new world of communication (Sandhu, 1). According to the article, Second generation has tried to describe Asians in their true form. In episode 1, we see aspects of love and family which are not different from any other

A Good Teacher Essay Example for Free

A Good Teacher Essay Plants are shaped by cultivation and men by education. We are born weak, we need strength; we are born totally unprovided, we need aid; we are born stupid, we need judgement. Everything we do not have at our birth and which we need when we are grown is given to us by education. (Jean Jacques Rousseau) It can be seen that education is one of the most important factor of our life. It is the tool that shapes us intellectually, socially, emotionally and personally. The kind of education that we receive depends highly on the educators that we encounter. A positive or negative encounter can impact our entire life. Therefore, if it is intended for today’s students to be responsible citizens of tomorrow’s society, then all teachers should emulate the roles of a â€Å"good teacher†. A good teacher is one who is knowledgeable of learners and their development, knowledgeable of subject matter and curriculum goals, creates a good learning environment and†¦Ã¢â‚¬ ¦. It can be noted that from the interview conducted, Teacher X exemplifies most of the features of a â€Å"good teacher† and is therefore considered as one. Before entering in a classroom, a â€Å"good teacher† should be highly knowledgeable of the subject area they will be teaching and have a clear understanding of how to organize the curriculum in order to meet the need of the students and the objectives of the school. The interview highlighted that Teacher X is one of the chief writers of the curriculum for the examination body of her institution. It will be ones belief that a personnel would not have been bestowed such privilege if she was not competent in her subject area. She also outlined that her learning objectives are based on the knowledge, ability and skill of the students. This further exemplifies her since Darlington-Hammond and Baratz-Snowden (2005) states that based on the learning needs of their students, teachers must make a wide variety of curriculum decisions, ranging from the evaluation and selection of materials to the design and sequencing of tasks, assignments and activities to the assessment of learning to guide further teaching. The development of the curriculum in light of the students’ interest fosters intrinsic motivation and stimulates the students’ passion for learning a specific subject area. If given the opportunity for input, students’ will generate ideas and set goals that even the teacher had not thought of. At this point teachers should embrace the fact that they do not know everything and should be willing to learn from their students’ in the process. A â€Å"good teacher† must take the time to know her students. Know not only their names or facial representations, but their readiness level, learning styles and interest. Students are all individuals who learn at different rates and in different ways. Tomlinson (2001) outlines that students learn better if tasks are a close match for their skills and understanding of a topic (readiness), if tasks ignite curiosity or passion in a student (interest) and if the assignment encourages students to work in a preferred manner (learning style). The classrooms of our society can be extremely diverse, so teachers must be able to differentiate intrsuctions to meet the individual needs of each student.

Quality Control :: essays research papers fc

Topics in Liberal Arts Math. Quality Control Quality control, as described through the Encarta Dictionary, is a system used in many companies, departments, and businesses for achieving or maintaining a desired level of quality in a manufactured product by inspecting samples and assessing what changes may be needed in the manufacturing process. To do this inspectors are hired and made to look over every step of the manufacturing process to make sure the product is as the company’s standards want it to be. There are many businesses that use this technique, but one in particular which hinges its success on the quality of its product is the food industry. In no other industry is quality control more important than in this field. If the quality is not checked in all products it can spell disaster for a food processing company. Not only can poorly processed food taste bad, but, in some instances it can lead to sickness, leaving the industry in a very difficult and possibly legally responsible situation. So, to prevent this, th e food industry, as well as many others, chose to use quality control in the form of sampling, to make sure their products go on the market not only tasting good, but being safe as well.   Ã‚  Ã‚  Ã‚  Ã‚  In the food industry, quality control is used to make sure that only the tastiest product goes on the market, and in order to do this, only the best ingredients must be chosen for a company’s product. Take for example tomato paste. The most vital ingredient in tomato paste is just that, tomato. Therefore, a company specializing in tomato paste must first check and guarantee that all the tomato’s meet there specifications. The first step in this process would then have to be creating quality specifications. The most popular method amongst the food industry for creating this is checking the food product through what they call â€Å"food attributes†. In the case of a tomato this can be anything from color, size, shape, any damage on the tomato, and the hardness of the fruit. Once this is completed and agreed upon, inspectors are hired to overview and test a representative sample of the food, in this case tomatoes, to make sure the batch meets the specifications set out by the company.

Current Ethical Issues Essay

Organizations must deal with moral and ethical issues that can include dishonesty, theft, and employee drug use. However, companies that have ethical guidelines and train their employees in ethical behavior will have exceptional employees. Therefore, organizations that create ethical policies and provide ethical training will encourage ethical standards in the company. Therefore, I will profile the Taylor Ambulance Company, Inc located in Kelsey. The Taylor Ambulance company has serviced Kelsey for 10 years and they are responsible for transporting individuals who needs emergency medical care and transport them to local hospitals. The ambulance company will also transport non-emergency patients to rehabilitation centers. Taylor Ambulance is dispatched by the Kelsey’s Fire Department and the city’s emergency transport contractor. Currently the Taylor Ambulance company has 70 paramedics and emergency medical technicians and has a fleet of 26 ambulances. The company receives emergency calls through the 911 system of Kelsey. The Taylor Ambulance company’s mission statement is â€Å"We will provide the people of Kelsey with quick and professional emergency medical care†. Donna Taylor and Phillip Embry formed the Taylor Ambulance company in 2000. The company started out small; however, the company grew over the years and as of 2009 the company staffs 95 employees. Also in 2009 the Taylor Ambulance company provided 57,000 ambulance transports for the city of Kelsey. Moreover, in 2009 Taylor Ambulance had a profit of $870,668. Furthermore, the Taylor Ambulance company receives their revenue sources from emergency and non-emergency transports and government subsidies. Additionally, Taylor Ambulance Company has an 8 year contract with the city of Kelsey which runs from March 1, 2008 until February 28, 2016. The Taylor Ambulance company provides an excellent service to the community and the company is very profitable. However, most businesses will face moral and ethical issues with their staff and employees. Some of the moral or ethical issues faced by the Taylor Ambulance company can include; †¢Dishonesty †¢Lack of Confidentiality †¢Privacy issues †¢Drug or alcohol abuse †¢Lack of patient sensitivity or compassion †¢With holding medical care †¢Don’t honor patients medical directives such as, Do Not Resuscitate †¢Patient Neglect Therefore, it is very important that the Taylor Ambulance company has an overall ethics program. The Taylor Ambulance company’s human resource department will assume the responsibility in developing an ethics standard policy. The ethics policy will include all moral and ethical issues that could present itself in the medical field. Therefore, the Taylor Ambulance ethics policy guideline will include how to act ethically in; †¢Honesty †¢Patient confidentiality †¢Patient sensitivity and compassion †¢Patient privacy laws †¢Drug and alcohol training †¢Patient medical care †¢Respective patients medical directives †¢Patient neglect Additionally, when the ethics policy is completed by the human resource manager the manager will work with the training supervisor to set up ethical training for the employees and staff. The ethics training will be supervised by the training supervisor who will document and perform the training. The initial ethics training will coincide with an employee’s new hire orientation. Therefore, after the employees new hire orientation they will be required to complete 8 hour ethics training. Moreover, after the ethics training the new employee will be required to take a short quiz to make sure they understand the company’s ethical guidelines. Once the employee receives their ethics training they will receive a certificate of training. Furthermore, the employee will be required to sign for a copy of the ethics policy for insertion into their employee file. Whereas, it is important to receive ethics training it is also important to monitor employees for un-ethical behavior. Therefore, during employment with the Taylor Ambulance company the employees will be monitored by their organizations supervisor or manager for un-ethical behavior. However, ethical behavior should be enforced by the company. Therefore, if an employee of the Taylor Ambulance company is reported as being un-ethical the employee will be sent to the human resource department to speak with the human resource manager. If the human resource manager believes the employee was acting un-ethical per policy guidelines the employee may receive a disciplinary action. Finally, the Taylor Ambulance company will encourage ethical standards by creating written ethics policy and provide employee ethical training. Therefore, the Taylor Ambulance company will utilize their human resource department to create the ethics policy and the training supervisor will conduct and certify the ethics training. Also the employee supervisor or manager will monitor the ethical behavior of their employees. Moreover, if an employee is acting un-ethical the human resource manager will manage the disciplinary actions. Therefore, creating a written ethics policy is essential for creating an honest work environment for the staff and employees.

How US Territories, Like Puerto Rico, Obtain Statehood

The process by which U.S. territories attain full statehood is, at best, an inexact art. While Article IV, Section 3 of the U.S. Constitution empowers the U.S. Congress to grant statehood, the process for doing so is not specified. Key Takeaways: U.S. Statehood Process The U.S. Constitution gives Congress the power to grant statehood but does not establish the process for doing so. Congress is free to determine the conditions of statehood on a case-by-case basis.According to the Constitution, a new state cannot be created by splitting or merging existing states unless both the U.S. Congress and the legislatures of the states involved approve.In most past cases, Congress has required that the people of the territory seeking statehood vote in a free referendum election, then petition the U.S. government for statehood. The Constitution merely declares that new states cannot be created by merging or splitting existing states without the approval of both the U.S. Congress and the states legislatures. Otherwise, Congress is given the authority to determine the conditions for statehood. The Congress shall have Power to dispose of and make all needful Rules and Regulations respecting the Territory or other Property belonging to the United States†¦ — U.S. Constitution, Article IV, Section 3, clause 2. Congress typically requires the territory applying for statehood to have a certain minimum population. In addition, Congress requires the territory to provide evidence that a majority of its residents favor statehood. Congress is under no constitutional obligation, however, to grant statehood, even in those territories whose population expresses a desire for statehood. The Typical Process Historically, Congress has applied the following general procedure when granting territories statehood: The territory holds a referendum vote to determine the peoples desire for or against statehood.Should a majority vote to seek statehood, the territory petitions the U.S. Congress for statehood.The territory, if it has not already done so, is required to adopt a form of government and constitution that are in compliance with the U.S. Constitution.The U.S. Congress—both House and Senate—pass, by a simple majority vote, a joint resolution accepting the territory as a state.The President of the United States signs the joint resolution and the territory is acknowledged as a U.S. state. The process of attaining statehood can literally take decades. For example, consider the case of Puerto Rico and its attempt to become the 51st state. Puerto Rico Statehood Process Puerto Rico became a U.S. territory in 1898 and people born in Puerto Rico have automatically been granted full U.S. citizenship since 1917 by an act of Congress. In 1950, the U.S. Congress authorized Puerto Rico to draft a local constitution. In 1951, a constitutional convention was held in Puerto Rico to draft the constitution.In 1952, Puerto Rico ratified its territorial constitution establishing a republican form of government, which was approved by the U.S. Congress as being â€Å"not repugnant† to the U.S. Constitution and the functional equivalent of a valid state constitution. Then things like the Cold War, Vietnam, September 11, 2001, the Wars on Terror, the great recession and lots of politics put Puerto Rico’s statehood petition on Congress’ back burner for over 60 years.   On November 6, 2012, the territorial government of Puerto Rico held a two-question public referendum vote on petitioning for U.S. statehood. The first question asked voters whether Puerto Rico should continue to be a U.S. territory. The second question asked voters to choose from among the three possible alternatives to territorial status—statehood, independence, and nationhood in free association with the United States. In the vote count, 61% of the voters chose statehood, while only 54% voted to retain territorial status.In August 2013, a U.S. Senate committee heard testimony on Puerto Rico’s 2012 statehood referendum vote and acknowledged that the majority of the Puerto Rican people had â€Å"expressed their opposition to continuing the current territorial status.†On February 4, 2015, Puerto Rico’s Resident Commissioner in the U.S. House of Representatives Pedro Pierluisi, introduced the Puerto Rico Statehood Admission Process Act (H.R. 727). The bill a uthorizes Puerto Rico’s State Elections Commission to hold a vote on Puerto Ricos admission into the Union as a state within one year after the Acts enactment. If a majority of the votes cast are for Puerto Ricos admission as a state, the bill requires the president of the United States to issue a proclamation to begin the transition process that will result in Puerto Ricos admission as a state effective January 1, 2021.On June 11, 2017, the people of Puerto Rico voted for U.S. statehood in a nonbinding referendum. Preliminary results showed that almost 500,000 ballots were cast for statehood, more than 7,600 for free association-independence, and almost 6,700 for retaining the current territorial status. Only about 23% of the island’s approximately 2.26 million registered voters cast ballots, leading to statehood opponents to doubt the validity of the result. The vote, however, did not appear to be divided along party lines.Note: While Puerto Rico’s resident co mmissioners to the House are allowed to introduce legislation and take part in debates and committee hearings, they are not allowed to actually vote on legislation. Similarly, nonvoting resident commissioners from the other U.S territories of American Samoa, the District of Columbia (a federal district), Guam and the U.S. Virgin Islands also serve in the House. So if the U.S. legislative process eventually smiles on the Puerto Rico Statehood Admission Process Act, the entire process of transition from U.S. territory to U.S. state will have taken the Puerto Rican people over 71 years.   While some territories have significantly delayed petitioning for statehood, including Alaska (92 years) and Oklahoma (104 years), no valid petition for statehood has ever been denied by the U.S. Congress. Powers and Duties of All US States Once a territory has been granted statehood, it has all the rights, powers and duties established by the U.S. Constitution. The new state is required to elect delegates to the U.S. House of Representatives and the Senate.The new state has the right to adopt a state constitution.The new state is required to form legislative, executive, and state judicial branches as necessary to effectively govern the state.The new state is granted all of those governmental powers not reserved to the federal government under the 10th Amendment to the U.S. Constitution.