Cause and Effect Paper for School

In the past three months Ruth Disselkoen, has cut her breaks short to complete her work, complains of being tired, and twice a month requires overtime hours, which causes the company an additional $200. 00 a month; on the other hand, Frank Daley, has complained about the her poor work quality. Whereas, Jack Snyder seems to have little work to do, he arrive late twice a week, he takes extra breaks; although his work is always professionally completed. Even though, nothing has changed in their personal lives.I would like to have interpersonal meeting with both Jack Snyder, and Ruth Disselkoen to investigate the root of the problem, so I can determine my next course of action, and if I have the authority to implement any of the changes necessary that will eventually stop costing the company and extra $200. 00 monthly. Since Jessica Hilo’s is out on a Leave of Absence and her work assignments have been split up amongst Jack and Ruth. Jessica Hilo is one of Jack Snyder’s bos ses so; it is only fair that Jack is responsible for Jessica Hilo’s work load, and not Ruth Disselkoen.I have noticed that this entire problem began three months ago when Jessica Hilo’s took a Leave of absence and some of her work load was reassigned to Ruth Disselkoen. I believe that Jessica Hilo’s, work is causing Ruth to cut her breaks short and work overtime twice a month. Therefore, I will discuss this with the Human Resources Director, Liz, Jakowski, and I will present the idea of giving Jessica Hilo’s, entire work load to Jack Snyder, and this course of action will eliminate the monetary expenditure of $200. 00 that the company is paying monthly for overtime. I will wait for Liz Jakowski, response to determine my next course of action.

Principles of Conditioning

Needs and drives, what exactly are they and what do they have to do with dogs/dog training? A need or drive is a type of motivation that describes the behaviors dogs show during training. Needs can be something as obvious as water or food, all the way to behaviors that serve no clear physical need at all (ex play behavior). Dog training is all about arranging matters so the dog’s yearnings are met when they perform the desired action. Before any of this can take place you must ensure all of the dog’s primary needs are met. The dog needs to be in a healthy state, be happy, and have a good emotional connection to the trainer, also known as rapport. There are two types of drives, primary and secondary. Primary drives are the drives that are a necessity for ensuring your dog stays alive and healthy (i. e. thirst and hunger). If these drives are not met it can lead to injury or death. Secondary drives include all of the motivations that make a dog behave the way it does. They are not as necessary for the life and health of a dog, but are still very important. 1) Primary drives: ) Oxygen: i) Quite simply, the dog needs oxygen to survive. Many things your dog does increase the oxygen that they consume, which results in panting. Panting is also a way that your dog expels excess heat. Heavy panting can interfere with the sense of smell (olfactory). b) Thirst: ii) The need for water. It’s important to maintain your dog’s hydration level so it does not interfere with training. Also water cannot be u sed as a reward for the dog. c) Hunger: iii) Just like oxygen and water, food is also a very important part in keeping your dog happy and healthy. Though, unlike water food can be used as a reward, normally in the form of a treat. The dog should not eat if it has recently been doing intense physical activity, particularly in hot conditions. d) Drive to avoid pain and discomfort: iv) Dogs are a very intelligent species and learn very quickly, especially when there is a pain factor involved. They will avoid performing actions that they have learned cause them pain. Thus why handlers will inflict a type of discomfort when the dog disobeys or performs an action incorrectly. I. e. f you command the dog to sit but they ignore, or perform an incorrect action the handler will give a physical correction (command avoidance) that inflict pain upon the dog. In this process the dog is learning that if it does not sit like it has been taught it will be corrected (punished). Before you can use this type of training you must ensure that the dog knows the desired response. 2) Secondary drives: e) Socialization: v) This is basically the same as the dogs pack drive. One of the dog’s strongest drives is to have a social relationship with other dogs or humans. It needs to be a stable relationship in which the dog trusts or has affection for it’s companion. Though this is not an instantly created bond, it is extremely important for the handler to build rapport with the dog. Walking, feeding, grooming, or just playing with the dog for a period of time can build this relationship. Building rapport is very important to the successfulness of the team. Socialization is made up of two sub-types, alpha and beta. (1) Alpha is what the dog initially wants to be. It’s instinct for dogs to want to have supremacy or dominance in a relationship. 2) Beta is when the dog is submissive, and allows others to be in control and dominant. This is what you want your dog to be as a handler. This is because the dog will show willingness or motivation to please the handler by completing actions that the handler commands. f) Play socialization: vi) Play socialization does not clearly serve any important needs, but it is important to incorporate fun pl ay into the relationship between handler and dog. g) Prey drive: vii) This is the dog’s natural instinct to attack, bite, and carry anything the dog sees as prey. This can be another animal or object. What a dog would do to a rabbit, can be initiated by throwing a ball in most circumstances. This predatory instinct is very important in dog training, especially in controlled aggression. h) Aggression: viii) This includes any behaviors such as biting, growling, and fighting when used to compete with others for resources (food/water) or to protect them selves when felt threatened. Dominant, defensive, and pain-elicited aggression are all a vital role in motivating dogs in patrol training or rewarding them with a bite.

C-Difficile

In my family, the â€Å"Family Business† is nursing. My mother is a nurse, and an associate professor at NMSU, as well as the chairperson for their CNA program. One of my sisters just finished her nursing program and is studying for her NCLEX and my other sister is an ER nurse just starting her DNP program. So when they each, independently, gave me the following advice, I took it to heart, but assumed they were being facetious, and using humor to help me remember a very important health care worker concept: â€Å"Pretend everything around you is covered in sh*t. † After reading this article, I realize they were not kidding! C-Difficile is a bacteria found in the intestines of a small number of people. Not all bacteria are bad, particularly when the bacteria are where they are supposed to be. C-Difficile becomes a â€Å"bad† bacteria when it overpopulates the intestine, causing stomach cramping and diarrhea. The overpopulation occurs when antibiotics are used to fight the original infection a patient has, and that antibiotic kills off the normal flora living in the intestines. Once that happens, C-Diff is able to make its way out of the intestines and onto health care workers hands, clothing, surfaces (such as call lights and bed rails) and the skin of the patient. It is transmitted via the fecal-oral route, simply meaning that infected feces made its way into someone’s mouth, causing an infection. An infected person can spread the bacteria by having a bout of diarrhea, not washing their hands with soap and water, and then touching an object, leaving spores on it. Another person comes along, touches the same object, and picks the spores up. That second person (with unwashed hands) then touches their face, mouth or prepares food, and ingests the spores, introducing the bacteria into their body. C-Diff is able to lay dormant on surfaces for a very long time because it is both anaerobic and spore forming; meaning it does not need oxygen to live, and it forms a spore, protecting itself from being destroyed by typical cleaning measures. However, a bleach and water solution has been effective in killing the spores. It has been found that it takes ingestion of as few as two spores to infect a person. The spores are extremely hearty and upon ingestion, are able to withstand the gastric acids, passing all the way through to the intestines unharmed. Once they reach the intestines and they are exposed to the bile acids they emit two toxins. Those two toxins are responsible for the damage to the colon, and that damage ultimately causes the symptoms of C-Diff. Namely, in mild cases, abdominal cramping and diarrhea, all the way to severe damage such as pseudomembranous colitis (an illness that’s symptoms mimic colitis). In the most severe cases, fatalities have even occurred in as high as 80% of the cases. The most effective way to prevent the spread of C-Diff is using proper hand-washing techniques. However, it should be noted that hand-washing does not kill the spores; it simply removes the spores from the hands so that they are not carried to another location. Soap and water is a must, as the alcohol-gel based hand sanitizers do not kill the spores. A CNA should don PPE’s (gowns and gloves) when assisting patients/residents who have C-Diff. This will prevent the CNA from carrying the spores on their clothes to another person. Again, the number one prevention that a CNA can utilize is properly washing their hands, especially when travelling from one patient to another.

Architectural Science in the UK Assignment Example | Topics and Well Written Essays - 2500 words

Architectural Science in the UK - Assignment Example This requires effective consideration of particular features of the dwelling in order to enhance the use of green energy thereby containing the runaway pollution experienced in particular parts of the world as the discussion below portrays. Designing and developing a dwelling requires effective utilization of space, which is often the most important feature. Consumers continually demand larger homes spaces beside several other features that make homes habitable (Evers & Koln, 2006). This thus influences the selection of a construction location often considering the elements of nature. The selection of a construction site must minimize conflicts between humans and other animals occupying the ecosystem. Peaceful coexistence between humans and other wild animals is essential in the construction of sustainable dwelling since such help minimize any conflicts that may arise. Cases of insect bites in different parts of the world such as Australia typify the nature of the conflicts. In such cases, the humans spend millions of pounds in seeking medication for the different bites with the country reporting a high number of deaths arising from insect bites. The topography of the location is a major factor that architectures consider when designing a dwelling. Such factors as the stability of the structure rely on the nature of the topography of the land thereby validating the consideration. Effective utilization of space dictates that a dwelling must permit easy access to the housing units. The housing units must safeguard the safety features that arise from the placement of rooms among other aspects of the house thereby enhancing the accommodation of families of varying sizes. The manipulation of the space contributes to the sustainability of a dwelling beside contributing to the safety of the structure.  

Capital Funding in School Districts Research Paper

Capital Funding in School Districts - Research Paper Example Replacing old buildings with new buildings, repairing old buildings, incorporating more facilities to the existing building etc are expensive acts. It is difficult for the school management or the authorities to find funds for the renovation or replacement of the school buildings from the tuition fees alone. According to a rough estimate done by the 2003 State Auditors Office report, statewide need is around $4.7 billion for the school building replacement or renovation (Colorado Department of Treasury, 2010). In short capital funding is necessary for the American schools to ensure the safety of the existing school buildings or to make new buildings. This paper briefly analyses various aspects of capital funding in schools. Capital funding or bonds in schools are the funds allocated to the schools by the government for the modernization of the school buildings according to locally agreed priorities established in the Schools Asset Management Plan. The government wants to raise the standards of education in schools and for that purpose, ample infrastructure facilities are necessary in the school compound. Capital funding is given to the individual schools by the authorities based on the requirements estimated by the school authorities and the local authorities. In UK, school capital funding is intended for the â€Å"standards focused projects which contribute to achieving government targets for educational improvement. Projects must have a minimum value of 500,000 of which 20% of the funding must be met from Local Authority/local sources† (Capital Funding for School Buildings, 2010) â€Å"It is important that school districts have the resources to help schools recover from unexpected natural damage. As a result of this capital funding, students in School District can focus their attention on the business of learning, and not the condition of their school†(Governor Quinn Highlights $4.3 Million in Capital Funds for New Belleville Elementary School). Transfer

Globalisation in China Assignment Example | Topics and Well Written Essays - 4000 words

Globalisation in China - Assignment Example From this study it is clear that the developing countries are said to be beneficial from the international trade as they undertake technological innovation in the process of competing with the developed countries. The trade driven globalization process has created new opportunities for many countries due to poverty reduction and increase in economic growth. However, despite all the advantages of globalization there are certain disadvantages of globalization such as the domestic firms lose their power in the local market with the emergence of foreign competition. There has been integration among the nations that is both qualitative as well as quantitative integration in the international trading system. However, globalisation has offered a lot of opportunities in China. As the paper outlines the globalisation in China has led to an increase in FDI and foreign trade that has further raised the opportunity of FDI inflow and outflow in China. The country’s dependence on foreign tr ade has increased rapidly and China started participating in international trade due to the exchange of goods and services. As a result of globalisation, China has received a lot of fund for carrying out the production activities and there has been technological development as well as establishing new industries. The study suggests that China has become the third largest trading nation after the United States and Germany.  

How is the AIS (automatic identification system) effective in Kuwait Thesis

How is the AIS (automatic identification system) effective in Kuwait coast guard operation - Thesis Example These systems, particularly the AIS Class A, have provided a wide range of benefits such as effective vessel identification and the provision of accurate information to national security forces and the Vessel Traffic Management Systems, or VTMS. Moreover, the application of ship-to-ship AIS has become an increasingly valuable option for mariners to be used as an efficient instrument that will improve situational awareness (Norris 2006). Regulations to utilise AIS in all vessels fall under the international standards of improving the safety and security among maritime transporters through the provision of information regarding locations and vessel identities. Aside from national security, the AIS can also make its contribution to environmental protections and procedures that require the rescue of vessels vulnerable to threats or attacks (Norris 2006). 1.2 The Role of Kuwaiti Coast Guard Kuwait remains to be a small country that holds a strategic position, increasing its vulnerability. It is surrounded by Iran, Iraq, and Saudi Arabia and is easily within a short distance of missile range from its three major neighbors (CS 2010). Due to Kuwait’s considerable wealth and large oil reserves as well as a lack of safe and secured routes for oil exports, it has become a target for the surrounding countries. Maritime boundaries with Saudi Arabia, Iran, and Iraq have been an important concern for Kuwait, with the country encountering numerous maritime attacks over the years, particularly from Iran and Iraq (Knights 2005). Despite perceiving the hostility of Iraq and other neighboring countries, in 2008, the Kuwait’s naval forces signed the Khawr Abd Allah Protocols, or the KAA Protocols, which referred to a maritime bilateral military agreement for the coordinated use of the KAA waterway and acquire security and stability. Although Kuwait has established defense agreements with United Nations Security Council members and has utilised procurement programmes i n reinforcing these associations, the security of Kuwait has highly relied upon the US and has received from $3 million annually as financial assistance to combat terrorist attacks and meet other security objectives, with the Navy and its coast guards as part of such sanctions. This has allowed units to develop technologies through research and development programmes such as the detection and identification of incoming maritime irregularities (CS 2010). The Kuwaiti Navy includes an estimate of 2,700 personnel including 500 coast guards with its limited naval forces focusing on the protection of their coastline, support of customs, and implementation of missions against infiltration. The Kuwaiti Navy had been established immediately after Kuwait became fully independent from Britain (CSIS 2006). During the Persian Gulf War, the country’s military defenses were highly dependent on foreign contractors to provide their training, logistics, maintenance, and actual operations; cons equently, the readiness of the Navy and the rest of Kuwait’s defenses were at a poor level. At present, their equipment includes fast attack crafts, support ships, special operations patrol boats, interceptor crafts, diving support vessels, hydrographic support vessels and harbor tugs (CIA 2006). Tracking methods have also been emphasized to provide geographical information along

The Doctrine of Precedent can be considered both a Blessing and a Essay

The Doctrine of Precedent can be considered both a Blessing and a Curse - Essay Example At the beginning of the thirteenth century, the concept of common law began to emerge. An internal system of courts was set up, with each community sharing the same laws. Judges traveled to the communities and followed the same rules, therefore making the laws enforced throughout common to all. To provide consistency between the communities, if a judge was making a decision about a case, and there was a case of the same nature that had been decided by a judge before it, they would be resolved in the same way, with the same ruling. That meant that the first judge to make a ruling on a particular case had made a law that judges in following cases (which were of the same nature) were obliged to follow. This still applies within the Australian legal system today. Courts are bound (within prescribed limits) by prior decisions of superior courts within the same State or Federal hierarchy. This is collectively known as the 'Doctrine of Precedent'. Judicial law is a large part of the Doctrine of Precedent. It is named judicial law because it is a law made by judges, which is to be followed by judges in subsequent cases. Whether or not a case is binding, is determined by two things; whether the preceding decision comes from a judge that is in an equal or higher rank than the judge deciding the case (this given the Latin term stare decisis, which means 'stand by decided'), and whether the relevant legal principles of the preceding case are the same or similar to the case in question. When dealing with precedent, judges and lawyers have to be able to break previous judicial decisions into two parts; the relevant legal principles that are binding, and the rest that is not binding. The part that is binding is given the Latin term ratio decidendi, which means 'reason for deciding' and the part of a judges decision that is not binding is given the Latin term the obiter dicta, which means 'incidental things said' and only has an incidental bearing on the case. The Doctrine of Precedent gives judges the power both to reuse past decisions and rephrase past decisions. As a consequence of these powers, new laws can be made. An example of a judicial precedent is the case Donoghue v Stevenson (1932). (Tufal, 1996) In which a decomposing snail was found in the bottom of a ginger beer bottle. The House of Lords found that a manufacturer owes a duty of care to the consumer to provide products that are safe. This case set a huge precedent for common law that is still relevant today, and the context of the word 'product' has been used not only in food products but also in cases including motorcycles and underwear. There have always been, and still, are many critics who do not believe that judges should have the power to make laws. There are many convincing arguments both for and against the use of the Doctrine of Precedent in Australia.

Emotions In Film Essay Example | Topics and Well Written Essays - 750 words

Emotions In Film - Essay Example Orientalism, as it was known by Napoleon, was based on just such knowledge – that is knowledge about the Orient projected upon it by the Western world. This idea of the Orient, as it was expressed among the Western scholars – overrode the true Orient. Observers entering the true Orient were already convinced of what they knew regarding an unchanging and already defined system, locking everything labeled Orient into a passive, unresisting object for study. Comparable linguistics were the basis for many of these assumptions (Said, 1979). This had, and continues to have, a negative effect upon the Western world’s perception, understanding and appreciation of a multitude of cultures that were erroneously grouped into a single identity. Philosophers continue to argue that reality, as it is presented within films and on tv, is not reflective of our ‘everyday’ reality, yet their arguments are based on water as there is as yet no true definition or conceptio n of what actual reality might be. In his book â€Å"What is Philosophy?† (1960), Jose Ortega y Gasset discusses several key defining aspects of philosophy, including a discussion regarding a definition of the focus of philosophy as a science. While earlier philosophers tended to identify philosophy by the tagline ‘the study of knowledge,’ Ortega points out that nowhere in these texts do any of the philosophers who came before him work to define what the empirical concept of knowledge is and therefore reach an understanding of what is ‘everyday reality.’ Although Ortega does not necessarily phrase his point in this exact terminology, his discussions regarding the nature of knowledge, the nature of science, and the nature of reality perception as it exists within the very human context of time make it abundantly clear that Ortega at least does not feel we will ever completely understand the world around us. To begin with, Ortega brings into clarity the idea that time

An Observation Report Of A Tutor Essay Example | Topics and Well Written Essays - 750 words

An Observation Report Of A Tutor - Essay Example   Reading the class participation notes allowed the teacher to get a better understanding of how much was understood by each student in the lesson and if all the students were listening to the lecture portion of the class. This became an interesting portion of our English as a Second Language class.   Reading the class participation notes allowed the teacher to get a better understanding of how much was understood by each student in the lesson and if all the students were listening to the lecture portion of the class. This became an interesting portion of our English as a Second Language class because the teacher allowed each student to tell his or her own story.  Ã‚  The teaching techniques that the teacher used made the class very enjoyable since it encouraged the students to talk about what makes our individual experiences different and how our cultures vary from one another. The teacher made sure to coax the students into listening to one another by encouraging the students to make comments and statements about one another are shared stories.  Ã‚  I noticed that the teacher paid particular attention to the way the classroom goals and objectives were achieved in the class. Ensuring that each student gave the proper amount of time and attention to the rudimentary English communication skills.  The teacher always found the time to work one on one with the students to improve their basic skills such as grammar listening, writing, reading, and phonetics.

Benefits and Challenges Essay Example for Free

Benefits and Challenges Essay Using your text and the article, Family Involvement in Early Childhood Education, give four examples of the benefits and challenges of a Family-Centered Approach. Each of the four examples should include the child, the family, and the teacher’s perspective. Benefits: The child: One huge benefit is emotional security. Some children entering an early childhood program have separation anxiety, they feel stressed and overwhelmed when their parents leave them at school. If the childs parent(s) are with them at school they can concentrate on learning and new discoveries at school. The child strengths and needs are also better understood in the class with the family present. Children also benefit by seeing the family and teacher interacting with each other in an adult manner by talking and sometimes having disagreements and resolving their issues as well. Children see teachers and parents developing positive, healthy relationships. Modeling good behavior is the best way for a child to learn. The Family: It is healthy for the family to be involved with their children at school, not only for the child but for the family as well. Families can feel alone at time if they have nobody around so the school can act as another family unit. Families need to be involved and aware of what their children are learning in school to see if it meets up to their family needs and if they are present they can see and hear what is being taught. It is also important to see how the child interacts with peers in a different setting rather than at home. Parents can learn from the teacher a better aspect of what the teacher is doing with the child during the day. The Teacher: The teacher can better accommodate the child if he/she has a better understanding of the family life as a whole. Families can help the teachers gain better strategies and guidance when working and observing different cultural backgrounds. Developing a strong partnership between the teacher and family will be beneficial to everyone. Parents can learn new things about their children by watching them with the teachers. Challenges: The Child: The child may torn and overwhelmed when the teacher is developing their emotional and social side when the parents want the child to learn at all times. If both parents work or if it is a single parent household, the child may look around at the other children with their families and feel sad that the he/she doesnt have his/her family. The teacher and parent may not agree on teaching methods and interfere with the childs learning. The Family: The family may have different views that can cause conflict with the teacher. Sometimes people just do not get along and if this is the case with the childs teacher and family it may have a negative effect on the childs learning. The family may not have the time to help the child out at school because of work. The Teacher: A teacher can easily judge a family, they need to be very cautious of this and stop it before it happens. Teachers can be more knowledgeable with their children and make the families aware of this and this may offend some of the families. It is difficult for the teacher to know every cultural background of the students. The teacher may get a lot of grief and disagreements if the family does not approve of the teaching method.

Tax and Share Holders Essay Example for Free

Tax and Share Holders Essay †¢LIABILITY-You are liable for payment of any debts incurred that cannot be paid for by the profits from the company. Also if you have personal debts that have gone to collections a creditor can be awarded business profits and or business assets to offset these debts. You are also liable for any injuries that may occur due to your company. †¢INCOME TAXES-The business is not taxed separately. All business income must be reported on the owners personal income tax return. †¢LONGEVITY/CONTINUITY-Sole proprietorships are dissolved when the owner dies. †¢CONTROL-The owner of a sole proprietorship is in complete control over every aspect of the business †¢PROFIT RETENTION-All income is the owners who may do with it as he pleases. †¢LOCATION-Sole proprietors are able to conduct business from home, office, or internet. There isnt really any regulations that limit the location. †¢CONVENIENCE/BURDEN-Sole proprietorships are extremely simple and cheap to start. Depending on your city or county you may need to register for a business license or tax registration certificate. If have employees you may also need an employer identification number from the IRS, a zoning permit, or a sellers license from your state. General Partnership-A company that is jointly formed by two or more individuals †¢LIABILITY-Each partner is liable for all debts of the company to include any contracts entered into by other partners. †¢INCOME TAXES-General partnerships do not pay income taxes directly to the IRS. Partners include any revenue and expenses on their personal income tax returns. †¢LONGEVITY/CONTINUITY-Since all funding comes from the owners assets they have a limited longevity and a harder time expanding. †¢CONTROL-Normally each partner has an equal amount of control. †¢PROFIT RETENTION-Profits are split between partners. †¢LOCATION-General Partnerships are able to conduct business from home, office, or internet. There isnt really any regulations that limit the location. Some counties or states may require a Doing Business As certificate †¢CONVENIENCE/BURDEN-All partners are held liable for any actions  of other partners and can be held accountable. Funding is easier to come by do to the fact that one person isnt solely responsible. Limited Partnership-A company that is formed by two or more individuals where certain individuals play a more managerial role †¢LIABILITY-There is no personal liability protection for the general partners but limited partners are protected. †¢INCOME TAXES-Profits are reported on the personal income taxes of the partners †¢LONGEVITY/CONTINUITY-Normlly funding comes from the limited partner and longevity depends on the terms of the limited partnership agreement. †¢CONTROL-Majority of the control is given to the general partners with the limited partners having little or no control. †¢PROFIT RETENTION-Nornally based on the amount of the money the limited partner invests and the level of control the general partners have, this would be detailed in the limited partnership agreement †¢LOCATION-Limited Partnerships are able to conduct business from home, office, or internet. There isnt really any regulations that limit the location. Depending on the county or state ordinances certain documents may be required to be filed with the relevant registration offices. †¢CONVENIENCE/BURDEN-This is a good model for the individual that is just wanting to invest but have the day to day activities handled by others. The major burden falls on the general partners, they are liable for anything that occurs. C-Corporation-Is an independent entity that is owned by share holders who elect a board of directors to oversee policies and make business decisions. †¢LIABILITY-Share holders have a limited liability towards business debts. †¢INCOME TAXES-Profits are taxed separately under subchapter C of the IRS Code from the share holders. Then the share holders are also taxed on their profits. †¢LONGEVITY/CONTINUITY-They have a longer life span than other models do to the fact that funding is easily acquire through the sale of its shares and or outside investments. The corporation does not dissolve upon the loss of an owner. †¢CONTROL-Control is left to the board of directors who are elected by the share holders. †¢PROFIT RETENTION-All profits are retained by the company. †¢LOCATION-A C-corporation must be registered with the secretary of state in the state it is operating out of.  Ã¢â‚¬ ¢CONVENIENCE/BURDEN-It is easy for a C-corporation to raise money with the issuance of stocks. Double taxation is a major burden and takes a significant amount of profit from the shareholders. The business and the owners are two separate entities. The shareholders have no personal obligations for any debt incurred by the company. Business losses are not deductible by the corporation. S-Corporation-Profits and losses are shared with the share holders and has the benefits of limited liability †¢LIABILITY-They offer limited liability where income and expenses are given to the share holders tax returns. Only the actual investment by the shareholders is at risk. †¢INCOME TAXES-Shareholders report profits and losses on their personal tax returns and pay at their individual income tax rates. †¢LONGEVITY/CONTINUITY-Same as a C-corporation, the sale of shares gives the S-corporation a longer life span. †¢CONTROL-Control is left to a board of directors that is elected by the share holders. †¢PROFIT RETENTION-All profits and losses are passed through to the shareholders who are then taxed at their individual tax rates. †¢LOCATION-An S-corporation must be registered with the secretary of state in the state it is operating out of. †¢CONVENIENCE/BURDEN-There are many regulations that an S-corporation needs to meet which is a disadvantage. Limited Liability(LLC)-This is similar to an S-corporation in that it offers limited liability but has the tax advantages of a partnership †¢LIABILITY-The only thing at risk is the money the member invests, personal assets are protected. †¢INCOME TAXES-Income is passed on to the share holders who then have to pay taxes at their individual tax rate. †¢LONGEVITY/CONTINUITY-Shares can be transferred by members without any restrictions giving a LLC an indefinite life span. †¢CONTROL-Also managed by a board of directors that is elected by the share holders. †¢PROFIT RETENTION- All profits and losses are passed through to its share holders who then must pay taxes at their individual tax rate. †¢LOCATION-A LLC must be registered with the secretary of state in the state it is operating out of. †¢CONVENIENCE/BURDEN-An LLC also has many regulations that it must meet, perhaps its greatest burden is meeting the varying requirements and restrictions from state to state. To: Owner of the Wood Manufacturing Company From: Ben Woltering Re: Business Organization Recommendation Date: January 4, 2013 There are many different options to look at when considering a change in organizational structure. Currently you are setup as a Sole Proprietorship which leaves you exposed to any and all debts or injuries, plus leaves you open for lawsuits. If you brought in a partner and formed either a General or Limited partnership you would still be liable as stated above to any debts, injuries or lawsuits, but you would have the added capital of your partners for expansion and all profits belong to the owners. A C-Corporation would give you personal limited liability and is generally easy to obtain business capital through the sale of stocks you do run into the issue of double taxation where the company pays taxes on profits as do the owners on their dividends. There is also an accumulated earnings tax on profits in excess of $250,000. An S- Corporation offers the same limited liability as the C-Corporation but does not pay Federal taxes. All earnings and losses are passed through to the share holders. The company will not dissolve if you were to leave or die. An LLC has both the tax advantages of a partnership and the limited liability of a corporation. There is no continuity of life as in a regular corporation, the LLC will dissolve if the owner leaves, but some formal agreement can overcome this. Legal assistance is recomended to make sure all of the correct paper work is completed for your state and any you are  planning to expand to. Due to its ease off setup, limited liability protection, no federal taxed and all earnings and losses are passed through to the share holders I recommend that you structure your company as an S-Corporation. Before moving forward I recommend that you contact your attorney and accountant to find out what the local requirements are for starting an S-Corporation. Thank you for your time and please let me know if you have any more questions.

Strategic Human Resources Management Practices In Business

Strategic Human Resources Management Practices In Business Strategic human resource management is to ensure that human resource management is fully integrated into strategic planning that human resource policies cohere both across hierarchies and that HRM policies are accepted and used by line managers as a part of their every day work Integrating human resource management strategies and systems to achieve the overall mission, strategies, and success of the firm while meeting the needs of employees and other stakeholders. Source: Herman Schwind, Hari Das and Terry Wagar, Human Resource Management: A Strategic Approach. Strategic HRM has four meanings: The use of planning. A coherent approach to the design and management of personnel systems based on an employment policy and manpower strategy and often underpinned by a philosophy. Matching HRM activities and policies to some explicit business strategy. Seeing the people of the organization as a strategic resource for the achievement of competitive advantage. HUMAN RESOURCE PLANNING: According to Terry L. Leap and Michael D.crino Human resource planning is a process of determining and assuming that organization will have an adequate number of qualified persons, available at the proper times, performing jobs which meet the needs of enterprise and which provide satisfaction for the individual involved. Overall we can say HRP is a process of anticipating and making provision for the flow of people into, within, and out of an organization. STRATEGIC HUMAN RESOURCE PLANNING: Strategic HR planning is an important component of strategic HR management. It links HR management directly to the strategic plan of your organization. Based on the strategic plan, an organization can develop a strategic HR plan that will allow making HR management decisions now to support the future direction of the organization. A comprehensive HR Strategy will also support other specific strategic objectives undertaken by the marketing, financial, operational and technology departments. An HR strategy planning provides overall direction for the way in which HR activities will be developed and managed to gain competitive advantage in an organizational performance. The HR planning enables the organization to implement policies that enhance the skills and competencies of the people Strategic human resource planning consists of a number of objectives, but all the objectives must be closely aligned to overall business goals in order to be effective. Even a large human resources department is not a revenue-generating section of the organization. Therefore, human resources executives must demonstrate the employers return on investment through strategic activities. Strategic activities are forward-thinking processes that support business growth through recognition of the value of human capital . Strategic HR Planning Today In these times of great economic changes, the importance of human resource planning is more apparent than ever. A short-sighted lay-off, intended to temporarily reduce overhead, can result in much heavier long-term costs. Organizations have to spend more money and time for recruiting training new employees if they couldnt retain the old experience, skilled employees in right time. In the recent scenario of globalization and faster communication, a smart human resources plan encourages the organization to keep a longer view of things and retain talent so that, once this economic upheaval has calmed down, itll have a committed team intact. The overall purpose of strategic HR planning is to: Ensure adequate human resources to meet the strategic goals and operational plans of your organization the right people with the right skills at the right time Keep up with social, economic, legislative and technological trends that impact on human resources in your area and in the sector Remain flexible so that your organization can manage change if the future is different than anticipated STRATEGIC HUMAN RESOURCE PLANNING PROCESS: The strategic HR planning process has the following steps, Mission , Vision Value Strategic Analysis Strategic Formulation Strategic Implementation Strategic Evaluation Assessment A. Mission, Vision Value Mission The basic purpose of the organization as well as its scope of operations. Strategic Vision A statement about where the company is going and what it can become in the future; clarifies the long-term direction of the company and its strategic intent. Core Values The strong and enduring beliefs and principles that the company uses as a foundation for its decisions. B. Strategic Analysis It deals with scanning Internal and external environment as well as competencies (i.e. knowledge, skills abilities) of the organization and forecasting human resource demand accordingly. The following will define these terms broadly. External environments The major external forces influencing the organization as follows , Economic factors: general and regional conditions Competitive trends: new processes, services, and innovations Technological changes: robotics and office automation Political and legislative issues: laws and administrative rulings Social concerns: child care and educational priorities Demographic trends: age, composition, and literacy Internal environment The Internal environment consists of the followings, Core Competencies : Integral knowledge, competitive advantages through people Organisational culture: The culture and quality of work life in an organization. The human capital architecture of the firm: core knowledge workers, traditional job-based employees, contract based employees, partners etc. Human Resource Forecasting This is a critical element of planning especially in strategic human resource planning which deal with mostly long term HR strategy of the organization. We can say this can be of as following, Demand for Human capital Demand forecasting of employees has both qualitative and quantitative approach. The qualitatively we can use management forecasting or Delphi techniques where as quantitative we can use trend analysis to study the demand. Supply of Human Capital Forecasting the Supply of human capital can be done through obtaining the Staffing Charts which shows graphical representations of all organizational jobs, along with the numbers of employees currently occupying those jobs and future employment requirements, with the information from the personnel files of employees and their replacement succession planning details and their individual development plans. Gap Analysis This is a tool that helps an organization to compare its actual performance with its potential performance. I strategic human resource planning it means the study of the gasp between the demand and supply of competencies of human capital with reference to the business objectives and strategies. This can be of Performance Gap Analysis ,Training Development Gap Analysis ,Skills Gap Analysis Or Competence Gap Analysis. C. Strategic Formulation In this stage HR professionals need to develop a logical practical course of action to use the strengths of the organization to capitalize on opportunities, counteract threats, and remove internal weaknesses. These action plans has to be formulated in all levels of a business organization i.e. corporate strategy, business strategy and functional strategy. Corporate strategies deal with the policies and procedures involved in mergers or acquisition, business alliances, joint venture or any future intent for growth and diversification. Business level strategy deals with value creation for the organization as well as keeping an eye on low cost productivity and overall efficiency to make it competitive and profitable. Functional strategy plays a vital role. The HR professional has to align the business objectives and the HR initiatives, policies and practices both internally and externally. Some of the examples are Training Development Strategy, recruitment strategy, IR strategies, Retention strategy etc. D. Strategic Implementation This stage is the time to take actions on all the strategies and plans made. First , we have to balance the demand and supply of human capital by forecasting business activities or trends and also by maintaining a record of all the applicants of past, present and future. Secondly, as per above plan out the attrition /retention strategies, downsizing or lay off techniques have to be made. Then need to work on the training development of employees with other reward, incentive or welfare practices. E. Strategic Evaluation Assessment Now we need to assess the HR function, the work force with comparing the organizations processes and practices with those of other companies. Here the HR professional has to take the help of few metrics or mapping or scorecard techniques for the evaluation. In addition, the HR strategy can add value is by ensuring that, in all its other plans, the organization takes account of and plans for changes in the wider environment, which are likely to have a major impact on the organization HR PROFESSIONALS AND THE MODERN BUSINESS ORGANISATIONS In the modern context, Strategic human resource planning is a planning about the nature of the present future work demand labor supply for both short term long term that serves to achieve the strategy objective of the firm. The role of human resource management is changing is changing very fast, to help companies achieve their goals. HRM has gone through many phases from hiring firing to relationship building, from there to legislation role, now its role is shifting from protector screener to strategic partner as a change agent. Today, to create value and deliver better results, HR professionals have begin not by focusing on the work activities or work of HR but by defining the deliverables of that work. So as the planning is not to set goals but also to make sure to achieve them. According to Richard Chang, author of The Passion Plan at Work, HRM focuses mainly on HR Research and Information Systems, Union/Labor Relations, Employee Assistance, and Employee Compensation/Benefits where as Human Resource Development, according to Chang, includes Career Development (helping individuals align their career planning), Organizational Development (helping groups initiate and manage change), and Training and Development (designing / developing, and delivering training to ensure people are equipped to do their jobs). But SHRP as a part of SHRM involves both area and creates an overlap between them in todays HR functions. Mostly all of the HR leaders and professionals in large international organizations are participating in SHRP by giving strong contribution in decision making and strategic teams. But in small and medium size companies there is a lack of contribution of HR professionals due to their non-involvement in organizational or functional strategic planning and the stereotypical negative views of HR functions. Most of the Top management teams till now consider HR functions as a compliance function or more of a consultative service and HR professionals are involve d in implementing a strategy only after the strategy is decided. To gain its position in the strategic decision team, HR have to Know and understand the business strategies, processes its objectives Understand how the various organizational components interact and the process of business and what the long-term implications of HR decisions are. The impact of HR decisions must be thoroughly researched and analyzed before changes are implemented. Understand the five major non-HR components of any business: finance, marketing, sales, operations and accounting. Align HR strategy to organizations Mission Statement and objectives. Strategies can range from functional strategy and capability strategy to results strategy. HR professional face lot difficulties while applying the SHRP in reality. As various functional stages they face different challenges. So they have to overcome them as follows , Selection Staffing: If HR knows in the firsthand the clear direction and requirement of the company, it will easy to place right people at right place in right time which will save both time and money of the organization. But in many organizations only few leaders have that access. The HR officers are not aware of this. So to cope of with the pace of today globalization and expansion of business all level of professionals has to be well versed with these requirements. Training Development: Training and development are most important in view of the strategic growth process of a company. So the knowledge , skill and competence of employees has to be accessed strictly by HR professionals without any interference of the higher authority or being biased by any sort of favoritism. In reality this is not 100% successful yet because of lack of HR interest and also lack of tools to evaluate these. If HR people can be equipped with all the new tools techniques to perform these tasks they would be able to speak instantly to any issues, and possibly provide input that could help a company achieve its goals faster. Organizational Development Change Management: In long term strategy always change has a critical role in different processes of the workplace. Each department is known to these changes of their related departments. if these will be timely intimated to the HR departments , they will be able to take care of the organizational development issues with unique solution and make sure of t he positive impact of the change on overall process. this is only possible when there will be proper chart or data available with proper maintenance for which HR department has to take necessary required steps. CONCLUSION The ultimate goal of strategic planning is the identification of opportunities along with some risks by aligning objectives and activities of an organization with proper allocation of available resource to produce the desired profit for it. In these processes HR has should play an important role at every step for successful achievement of the various strategies plantings process which will also increase the value of HR professionals and HR functions globally. So we can conclude on that HR is not only for employee welfare or personnel management or any compliance issues but also deserve a strong position in t he strategy making process with the top management. If organizations take HR professionals and their suggestion during strategy planning process , it will gain more than as expected by adopting a suitable SHRP to the organizations strategies and goals. Especially , at this stage of rapid globalization where demand of specific skilled persons in and from different locations aremore required to help the organizations to gain a huge amount of profit in less time and optimum utilization of resources, SHRP and the participation of HR managers to create strategies along with the top management is most necessary step to do for further progress in business.

United States vs Microsoft :: United States v. Microsoft

â€Å"United States v. Microsoft was a court case filed against Microsoft Corporation on May 18, 1998 by the United States Department of Justice and twenty U.S. states. The plaintiff’s alleged that Microsoft abused monopoly power in its handling of operating system sales and web browser sales†. (Wikipedia 1) Basically this means that Microsoft Corporation was accused of forming a monopoly against all other software corporations because Microsoft was selling its computers with Internet Explorer already installed on it. This way customers were getting a web browser for free almost and therefore. Microsoft sold more computers. This is known as bundling. Bundling them together is what gave Microsoft the victory in the so called â€Å"browser wars† because e very Windows user had a version of Internet Explorer installed on their computer upon purchase. Because of this advantage it was alleged to be unfair to other web browsers because it unfairly restricted the competing web browser market. The trial started in May 1998 with the US Justice Department and the Attorneys General of twenty US states suing Microsoft for illegally hindering competition in order to protect and extend its software monopoly. They were later sued because they were forcing computer makers to install IE onto the computers they sold. They threatened PC manufacturers with revoking their license to distribute Windows if they removed the IE icon from the initial desktop. (WIkipedia) Videotapes were submitted as evidence during court procedures. Among these tapes was one that demonstrated that removing IE from Microsoft Windows caused slowdowns and malfunctions. Viewers noticed that the tape had been altered because certain desktop icons would be present in once shot and then not present in another shot. Microsoft later submitted another tape which turned up to be faulty as well. The government produced its own tape of downloading other browsers onto the PC. This process was slow and the icon was not placed on the

Sai Baba :: essays research papers

On November 23, 1926, in a remote village in southern India, Sai Baba was born and given the family name of Satyanarayana Raju. He was one of the person born for success. Many stories began that after Sathya was born, strange "miracles" were beginning to occur. His was different from the children around him, and his actions and behaviors were obviously very strange. He was a vegetarian, unlike the rest of his family. He lived opposite his parents in a way that his life was nothing like theirs. At the age of 13, Sathya received some sort of pain in his foot. He was unconscious for a day, and when he awoke, his behavior had awkwardly changed. People believed that he was possessed by an evil spirit. In 1940, people began to call Sathya an incarnation of God. Sathya corrected this accusation easily by telling his father that he wasn't an incarnation of God, but of a Moslem holy man, named Sai Baba of Shirdi. He had passed away in 1918, eight years before Sathya's birth. Sathya's fame was widely spread when the stories of his "miracles" were passed on. He was known to heal the sick, and the blind. He also protected those who needed help. Sathya has physically appeared in two places at the same time and he has raised several people from the dead. The way Sathya's miracle stories have been passed on, reminds me of how Jesus' stories were passed on, and easily believed. They both healed the blind, the sick, helped the needy. But it is obvious that Sathya could never be compared to Jesus. Sathya's teachings have influenced many people, and have caused more than 10, 000 service organizations throughout the world. There are thousands of followers that have lived by the words and teachings of Sathya.

Brookshire Grocery Company :: essays research papers

  Ã‚  Ã‚  Ã‚  Ã‚  Brookshire Grocery Company, known for its commitment to excellent customer service, was established in 1938. The company began with one store in downtown Tyler, Texas under the name Brookshire Brothers. Soon after, the company changed its name to Brookshire Grocery Company and expanded to four stores in Tyler and Longview, Texas, which included the first air-conditioned store in East Texas (brookshires.com). Over the years, the Brookshire Grocery Company chain has grown to more than 150 stores throughout Texas, Louisiana, Arkansas and, most recently, Mississippi.   Ã‚  Ã‚  Ã‚  Ã‚  The firm began to open â€Å"warehouse-style stores under the trade name Super 1 Foods and 1 ’superstore’ under the trade name Brookshire’s Supercenter† in the 1980’s offering people other ways to save money (tsha.utexas.edu). Brookshire Grocery Company is also currently operating grocery store in Plano, Texas under the name Ole Foods to try to appeal to the Hispanic population in the community. The company’s manufacturing facilities include a bakery plant, dairy plant, ice cream plant, ice plant and water plant near Tyler, Texas (Brookshire Briefs).   Ã‚  Ã‚  Ã‚  Ã‚  Brookshire’s offers a variety of specialty departments in many of its stores. Among these are bakeries, pharmacies delicatessens, floral departments, in-store film processing departments, and video rentals (tsha.utexas.edu). â€Å"In 1977, Brookshire’s established the World of Wildlife and Country Store Museum in the corporate complex† featuring activities for children (tsha.utexas.edu).   Ã‚  Ã‚  Ã‚  Ã‚  Due to recent acquisitions, employment in the company has exceeded 12,000 employees (Brookshire Briefs). Brookshire’s has placed a heavy emphasis on replacing, expanding, and modernizing stores where needed in order to meet customer demands and better serve them. The firm has recently â€Å"purchased and opened 17 former Winn-Dixie stores in North-central, Texas and four former Albertsons stores in the Jackson, Mississippi area† (Tribune Business News).   Ã‚  Ã‚  Ã‚  Ã‚     Ã‚  Ã‚  Ã‚  Ã‚  Brookshire Grocery Company also introduced a low-carbohydrate, low-sugar frozen dessert called LeCarb in 2001 proving the firm to contribute to creativity and innovation as well as providing options to health-conscious consumers. By May of 2002, the product was distributed nationwide as the first product available of its kind (Tribune Business News).   Ã‚  Ã‚  Ã‚  Ã‚  The grocery market is highly competitive. Brookshire’s has found that superior customer service is the key to success. Consumers who are familiar with the Brookshire’s personnel know that they will be greeted with a friendly smile and helpful attitude. Employee meetings and up-beat newsletters from the corporate office are excellent ways of reminding the employees of the significance of making customer satisfaction the most important part of their jobs.

Hot Wet Equatorial Climate

THE HOT, WET EQUATORIAL CLIMATE Distribution -Is found between 5 ° and 10 °N and S of the equator. Its greatest extent is found in the lowlands of the Amazon, Congo D. R, Malaysia and the East Indies. -Further away from the equator, the influence on the on-shore Trade Winds gives rise to a modified type of equatorial climate with the Monsoon influences. -Within the tropics, the equatorial highlands have a distinctively cooler climate, modified by altitude such as the Cameron highlands, northern Andes and Kenyan highlands in East AfricaMap CLIMATE 1. Temperature – The most outstanding feature of an equatorial climate is its great uniformity of temperature through out the year – The mean annual temperatures are always around 27 °C with very little variation. -there is no winter. -cloudiness and precipitation help to moderate the daily temperature so that even at the equator itself the climate is bearable. -regular land and sea breezes also assist in maintaining a tr uly equable climate. -the diurnal range is small and so is the annual range.Figures below illustrate the rhythm of climate experienced in two different equatorial regions, one on lowland (Kuala Lumpur) and the other on the highland (Bogota). Kuala Lumpur Month JFMAMJJASOND Temp( °C)262627272727262626262627 Rainfall (mm)170170236279216127104157185274257231 Annual precipitation 2 413mm Annual temperature range 1 °C (27 °C – 26 °C) Bogota Month JFMAMJJASOND Temp( °C)141415151414141414141414 Rainfall (mm)948912424416581668474213224142 Annual precipitation 1 610mm Annual temperature range 1 °C (15 °C – 14 °C) 2. Rainfall – Rainfall is heavy, between 1 524mm and 2 540mm and well distributed throughout the year. There is no month without rain. There are two periods of maximum rainfall, April and October which occur shortly after the equinoxes. The double rainfall peaks coinciding with the equinoxes are a characteristic feature of equatorial climates not found in any other type of climate. -Due to great heat in the equatorial belt mornings are bright and sunny. There is much evaporation and convection air currents are set up, followed by heavy downpours of convectional rains in the afternoon from the towering cumulonimbus clouds. -Besides the convectional rainfall, mountainous regions also experience much Orographic or relief rainfall.In addition, there are some intermittent showers from cyclonic atmospheric disturbances caused by the convergence of air currents in the doldrums. -The relative humidity is constantly high (over80%) making one feel sticky and uncomfortable. NATURAL VEGETATION -Equatorial region support a luxuriant type of dense vegetation –the tropical rain forest- because of heavy rainfall and uniform temperature. -In the Amazon lowlands, the forest is so dense and so complete that a special term ‘Selvas’ is used. 1. A great variety of vegetation -The equatorial vegetation comprises a multitude of evergreen trees that yield tropical hardwood e. . mahogany, ebony, greenheart, cabinet woods and dyewoods. -There are smaller palm trees, climbing plants like lianas or rattan which may be hundred of metres long and epiphytic and parasitic plants that live on other plants. -Under the trees grow a wide variety of creepers, ferns, orchids and lalang 2. A distinct layer arrangement .-From the air, the tropical rain forest appears like a thick canopy of foliage. All plants struggle upwards for sunlight resulting in a peculiar later arrangement. -The tallest trees attain a height of 45m with dense undergrowth that can tolerate shade. 3. Multiple species Trees of equatorial rainforest are not found in pure stands of a single species like in the temperate where forests where only a few species occur in a particular area. This has made timber exploitation to be difficult. 4. Forest clearings -Many parts of the virgin tropical rainforests have been cleared either for lumbering or shifting c ultivation. When these clearings are abandoned, less luxuriant secondary forests, called belukar in Malaysia, spring up. -These are characterised by short trees and very dense undergrowth. Mangrove forests thrive in the coastal areas and brackish swamps. LIFE AND DEVELOPMENTThe equatorial regions are generally sparsely populated. In the forests most primitive people live as hunters and collectors and the more advanced ones practice shifting cultivation. Food is so abundant in such a habitat that many people worry very little the life of the next day. There are numerous animals, birds and reptiles and can be hunted to serve the needs of the community. Crops grown include manioc (tapioca), yams, maize, bananas and groundnuts. Plantation agriculture is also practised widely with the outstanding crop, rubber. Malaysia and Indonesia are the leading producers of rubber.Another tropical crop is cocoa, which is more extensively cultivated in West Africa in Ghana and Ivory Coast. Other crops include oil palm, cocoanuts, coffee, tea, tobacco, spices, bananas, pineapples, etc. FACTORS AFFECTING DEVELOPMENT †¢Equatorial climate and health: excessive heat and humidity expose human beings to sunstroke and to such diseases as malaria and yellow fever. †¢Prevalence of bacteria and insect pests. †¢Jungle hinders development and maintenance. †¢Rapid deterioration of tropical soil. †¢Difficulties in lumbering and live stock farming. †¢Poor pasture.

Compare the presentation and content of the article in the Mirror and the article in the Guardian

‘Communities in Britain aren't used to gun culture'. However, what is gun culture? Although gun crime is increasing, is it the so-called glamorous ‘culture' that is fuelling it? On the other hand, is it the society we live in and our failure to instil morals and principles in our children? In this essay I am going to compare how a tabloid and the website of a broadsheet presents and reports this issue. I shall be looking at the different presentational devices and visual images used, language and the structure and context of the material. Firstly, the difference in media is immediately clear. The Mirror, a tabloid paper, has a big picture of Ice Cube the rap artist spread across two pages as its main focal point with the heading ‘Don't let music take the rap'. In contrast, the Guardian's website has very little in the way of pictures and has the text as the main focal point with a small heading. As this is a broadsheet, I would expect it to be much the same in the actual paper. On the other hand, both papers have used puns in their headings. The Mirror uses ‘Don't let music take the rap' and the Guardian uses ‘Bullet points'. Both headlines are used for the same reason- to catch the reader's attention and to inform the reader what the article is about. Furthermore, in the tabloid paper the picture of Ice Cube holding a gun promoting his film is very similar to the one of Trevor Nelson in the main article, since they are both wearing black leather jackets and black hats. Implying that both of them are involved in the same sort of lifestyle. The Guardian does not use such presentational devices to make the article more appealing to the reader but it does have a small picture with the words ‘Gun violence in Britain' on a red back ground suggesting blood. Both papers have a number of articles relating to the main subject but have them displayed in very different ways. The Mirror has a number of small columns relating to the main editorial, which are spread around the outside of the two pages, Dealing with various aspects of gun culture, so as to hold the readers attention the info has been broken down into digestible ‘bites'. On the other hand, it may distract the reader's attention from the main article. However, the Guardian has a number of hyperlinks to related articles so there are no other actual pieces on the same page as the ‘Bullet points' article. This once again shows the difference in media and how the two papers are able to present their articles. At the bottom of the main article in the Mirror there is a section asking the public to write in if gang life has affected them. Here the Mirror is inviting readership participation, much as TV shows such as Jerry Springer and Oprah, this invites an on going discussion, which may provide the paper with a good story. They are also probably expecting sensationalist replies. The Guardian does not use this since its editorship probably thinks its readers have the confidence to write in anyway. Since the presentation of the two articles is so different and the fact that one paper is a tabloid and the other is a broadsheet, you would expect the content of the two articles to be very different. First of all, the difference in paragraph sizes is immediately clear. The Trevor Nelson piece in the Mirror is mostly single sentence paragraphs. On the other hand, the paragraphs in the Guardian are slightly longer with three to four sentences in a paragraph. Apart from this, the articles are not very different, both articles are against blaming music for gun crime, ‘†¦it is wrong to blame gun crime and violence on music', and ‘To blame gun violence on music is to simplify and distort the problem.' This in the Mirror's case is contradictory to the picture of a rap star holding a gun. The Mirrors main article is supposed to be Trevor Nelson's views on the subject written by a reporter. On the other hand, Willber Willberforce, a programs editor at ‘1Xtra', expressing his views on the subject, writes the Guardian's main piece: Both articles are mainly opinion and have little or no facts in them; this is a sentence from the Mirror's article. ‘All a kid has to do to prove he is the baddest boy in the area is to get a rumour going he's got a gun.' This is a sentence from the Guardian's piece. ‘Music is in everybody's house, in everybody's car, but does not dictate peoples morals.' Furthermore, the language in both articles is quite informal; ‘†¦if you pardon the pun, would be not to give them any ammunition.' since the Guardian is a broadsheet, a more formal approach to the subject would have been expected. Moreover, the difference in the level of vocabulary used by both papers is little or none; this is an extract from The Guardian: ‘†¦It is a social problem that has lots of contributing factors. To blame gun violence on music is to distort and oversimplify the problem.' In contrast, here is a sentence from the Mirror: ‘Nelson is adamant that it is wrong to blame gun crime and violence on music and says the fault lies in the heart of society.' Here you can see that the level of vocabulary is the same. Although, both papers use people in the music industry to write their articles the way two papers choose to do this is very different. The Mirror does this by getting a reporter to interview Trevor Nelson and then write an article expressing his views. On the other hand, The Guardian gets the Programmes editor at 1xtra to write his own article expressing his views this enables him to speak directly to the reader rather than through the filter of a reporter. Moreover, the way the two pieces are structured is very different; The ‘Bullet points' article starts of by talking about how gun crime has got worse, ‘gun violence has undoubtedly got worse'. Then goes on to discussing the reasons why people feel the need to carry guns, and then it blames the media for the way they portray urban musicians, ‘Megaman visits a hospital, but that's not newsworthy.' Finally, the writer chooses to end the piece talking about how most popular urban artists don't actually talk about guns and violence in their songs, ‘†¦the biggest selling urban acts today†¦ are basically singing love songs.' In contrast, the Trevor Nelson article in the Mirror begins by talking about how music is not to blame for gun crime and violence but society, ‘†¦the fault lies at the heart of society.' Then the article goes on to talk about how what is happening with urban music is no different to football hooliganism: ‘But this is no different to the hooligan days when yobs used football as vehicle for their aggression.' Lastly, the article ends talking about Trevor Nelson's first hand experience of gun crime at a club he was DJ-ing at. ‘I was devastated. To know someone got killed at a party where I was DJ-ing†¦' I think the Trevor Nelson article makes its points most effectively it is better structured and is well thought out. Moreover, Nelson has more credibility because he has given an MBE for bringing urban music to the UK, whereas Wilberforce is less well known. On the other hand, due to the readership of both papers it is not very lightly that the readers will know who either Nelson or willberforce are. The ‘Bullet Points' article in the Guardian did not have a main point on why not to blame music, it seemed to push the blame to the media. In addition, it said that the most popular urban artists sing love songs, in spite of the fact that Eminem is one of the biggest selling urban acts and one of the most controversial due to the nature of his lyrics. Furthermore, in this piece there are a number of questions asked by the writer that are left unanswered: ‘If there were no records glorifying guns, would they still feel they needed to carry a gun?' Or ‘Where do the influences on peoples behaviour begin and end?' In conclusion, the way in which the two papers covered the issue was very different from each other, although surprisingly they did have their similarities in vocabulary and language. Moreover, there were clearly some advantages and disadvantages in the medium chosen to report the subject, such as; for the Guardian, the internet enabled them to use a number of hyperlinks to satellite article but the reader would have to know the web address to get to their site first. In contrast the Mirror could guarantee that the reader would at least glance at each article whether they chose to read it or not but because they were using paper they had a limited amount of space available for articles.

Reflections on the Black Race Essay

That the issue of Obama’s racial background is much talked about in terms of his fitness for the US presidency only proves this: that we Americans have a long way to go in our pursuit of adherence to the ideals of our declaration of independence. After all the document held the fundamental equality of people, and everyman’s inalienable rights, to life, liberty, and the pursuit of happiness. The declaration did not favor any race in the universality of its coverage. So how come some people have raised the specter of doom for America once the black mestizo Obama wins the US presidency? How come a Democrat lawyer is doggedly pursuing, ostensibly as a matter of principle—that Barack Obma is not a â€Å"natural born American† and is therefore unqualified to run for the presidency of the United States. The Democrat lawyer claimed his motivation was his loyalty to the US constitution. (Refer to the You Tube citation in the reference below for this item). But Surname 2 one can sense a certain ferocity in his campaign that didn’t seem to jibe with his claimed adherence. The dramatic performance of this Democrat lawyer complete with reciting his monologue with the Philadelphia edifice in his background is obviously a public relations stunt of a deeply rooted racist. This theatrics however considerably lost its mantle after a considered US statesman and former Secretary of State—the full-blooded Republican Mr. Powell— endorsed Mr. Obama, making sure he stood for principle in supporting Mr. Obama. Mr. Powell was also bothered by the way his own Republican camp was hitting the dirt in their campaign of hatred against the black American Democratic candidate. (Refer again to the You Tube citation in the reference. ) Mr. Powell finally called for â€Å"a generational change†, and coming as it did from a senior Republican – for a long time, an unprecedented bipartisanship– Mr Powell raised a very important gesture of statesmanship and concern for American welfare. (You Tube). . In his book Dreams from my Father, Obama in the first 20 pages described a life that started as a young mind, clueless on the lifetime struggle that was to be on his shoulders as a black mestizo. He described Kansas, as â€Å"the dab-smack, landlocked center of the country, a place where decency and endurance and the pioneer spirit were joined at the hip with conformity and suspicion and the potential for unblinking cruelty. † (p. 13). Take note of his analogy of the metaphorical duality of his environment when he described Kansas as a place of decency, endurance, and (pioneering) spirit on the upper side, joined in the hip with such negative traits as conformity, suspicion, and the potential for Surname 3 unblinking cruelty†¦ This fairly balanced assessment of his origins recognized the fundamental decency of the American people , but also noted the attitudinal duality to racial origins in his country of birth. In this book Obama explored the pervasive racial issues that he encountered in life, from childhood, to college, — and by now he must have realized—to the present, when as the Democrat candidates, he stood on the threshold of American presidency. Despite this stature, he was still grappling with the race issue. As a young man, Obama was unmindful of the thought â€Å"(that )my father looked nothing like the people around me — that he was black as pitch, my mother white as milk. † (p. 16) It was an infinitely harder life for the common blacks. In Obama’s case he only started to become aware of the weight of his racial identity as he grew up. Obama as a black did not come from the underprivileged, but from a relatively middle class environment. Compared to what Obama went through, Brent Staples now tells us that ordinary blacks suffered even harsher environments. Consoling blacks, he reminded them of the historical movement toward their freedom. They came from a country that barely a few decades ago was absolutely racist, a virtual apartheid which situation started to collapse only after World War II. Staples said that only after the collapse did blacks start to move out of their sequestered world and into colleges, jobs, and walks of life that had been closed to them until then. Surname 4 Still, black Americans who came from successful, suburban and upwardly mobile families were regularly dismissed as white or inauthentic . In other words, Brent Staples also blamed blacks for wanting to further marginalize themselves and to inflict on themselves a marginalized status. â€Å"The authentic black experience, it was said at the time, was limited to the hard-core, impoverished upbringing that black people often chose to brag about, even when they had actually grown up with private prep schools in the lap of luxury,† was Brent’s assessment of the black mentality of the 60s. In other words, even Obama was unacceptable to these blacks because he was not authentically â€Å"black† in the poverty side of the issue. But another Republican Alan Keyes dished out another execrable crap when he opposed Mr. Obama in the Illinois Senate race back in 2004 saying Mr. Obama was not black because â€Å"he was not descended from slaves. † Clearly both black and whites think of blacks as having to be miserable in order to qualify for this racial group. The self-image of this group seems to be one that perpetually deprecates itself as always coming from the bottom. Mr. Obama himself, a would-be president of the United States has experienced the existential problem of how it is to be black in the world’s most prosperous country. In his book Obama disclosed how he coped with life as a black in a society dominated by whites. As Staples explains it: â€Å"He stumbled onto the mysteries of race in his own good time and pursued them in his own way. His quest took him to an impoverished community on the South Surname 5 Side of Chicago, where he worked as an organizer in an infamous public housing project before discovering his vocation as a politician. † And Staples sees hope that this division would soon be resolved with a greater understanding of the multiplicity of experiences among marginalized peoples in any society. Said he: â€Å"†¦ The hue and cry over Barack Obama’s identity stems from a failure by black traditionalists to recognize multiracial versions of themselves. Soon enough, perhaps by year’s end, however, the Obama story, which seems so exotic to so many people now, will have found its place among all the other stories of the sprawling black diaspora. † Surname 6 Works Cited Obama, Barack. Dreams of My Father. US: Three River Press, 1995,pp. 1-20. Staples, Brent. Decoding the Debate Over the Blackness of Barack Obama. (2007) The Editorial Observer. Retrieved October 19. 2008 from: http://files. meetup. com/427541/Blackness%20of%20Barack%20Obama%20. doc You Tube campaign against Obama . Retrieved Oct. 21, 2008. http://sayanythingblog. com/entry/a_video_that_could_change_the_election/

Criminal Justice Research Paper

1. Fred is drunk and driving his dad's car. Fred is a 21 year old student at Columbia College. Fred rams into a parked car at 10th and Rogers. Thinking no one saw him; Fred moves his car and parks it on an adjacent lot. He sprints to his dorm room in Miller Hall. A neighbor saw the wreck and Fred running to the dorm. Police are called and they arrive ten minutes after the wreck. The officers see several empty beer cans and a bottle of tequila (half full) in the front seat. The tags are traced to Fred's dad, who is called by police. Dad says that Fred is a student at Columbia College.Police run Fred's record and determine that he has two prior DWIs within the past five years. The third DWI in 10 years is a felony. Police contact Columbia College security who leads them to Fred's dorm. Fred is passed out, so security lets them in. The officers smell intoxicants, give Fred some Field Sobriety tests (he fails) and confirm that he was driving the car. Fred is arrested for DWI. It is his t hird offense, a felony under Missouri law. Fred is given a breath test, which registers at . 13 on the scale. During the processing of his arrest paperwork, the officers searchFred's possessions which he brought to the station, and a small quantity of cocaine is found in Fred's pocket. Fred is charged with DWI, leaving the scene, and possession of cocaine. What issues do you see? How should they be resolved? (50 points) First of all this, is a legal arrest. A neighbor saw the wreck and Fred running to the dorm. That is sufficient in itself to establish probable cause to arrest Fred for leaving the scene of an accident. The follow-up police investigation added more factors to establish probable cause to arrest for DUI and leaving the scene.A prosecuting ttorney will present evidence that a) Fred has no alibi for the time and date the crime occurred, b) he left evidence at the scene and in his vehicle, c) he failed the Field Sobriety Tests, d) he blew a . 13 on the breathalyzer, e) an d he has past records of DWI, and f) he was found to have possession of cocaine. The prosecuting attorney uses this series of specific examples to prove Fred committed the crimes. There would be an issue of whether it was legal for the security guard to give access to Fred's room. This issue would be resolved because it is totally legal for security uard to give access due to exigent circumstances. . Cole County deputies obtain a search warrant for Mike's trailer for controlled substances. The warrant was based upon information provided by an informant, some officer corroboration, and the fact that Mike has a past record for drug offenses. The deputies execute the warrant. As it turns out, Mike has no past record for drugs, the court clerk made an error. This means the warrant will be found lacking in probable cause by the appellate court. While executing the warrant, they observe large quantities of controlled substances, which they seize. While they are executing the warrant a man drives up and knocks on the door.The officers detain the man during the search. The dog accompanying the officers begins to bark at the man's trunk. The officers open the trunk and see large trash bags with a substance which smells and looks like marijuana. This man (Larry) is arrested for possession ot marijuana. Mike is charged witn possession ot a controlled substance. Are the drugs admissible in Court against Mike? Why or why not? What about Larrys case, are the drugs admissible? Why or why not? (50 points) Whether this search is legal or not depends on the exact circumstances under which it was conducted.In a situation like this, the police have the authority to stop and detain anyone coming to or leaving the residence as they arrive to execute the search warrant. Once you are lawfully detained, they have the right to conduct at least a pat down search for officer safety purposes. If the drugs were found as a result of the pat down search, there is no doubt that it was a legal search and seizure. Whether they could go further than a simple pat down would depend on other factors, such as conversation between the cops and the etainee, as well as other activity in the immediate vicinity and possibly even statements by other people at the scene.Determining for sure whether there are grounds to object to the search and seizure requires review of all of the reports regarding the case. Depending on the nature and quantity of the drugs seized, this could possibly be a serious case. In any event, the person involved should consult with a criminal defense attorney or, if he cannot afford private counsel, with the public defender if he is charged. Officer had probable cause to affect a traffic stop after he observed defendant ollowing too closely.Defendant's and passenger's behavior after stop provided reasonable suspicion to expand the detention, and a positive drug dog sniff provided basis for search of vehicle. I'm not aware of reason that the interpretation of the 4th Amendment would be any different in Oklahoma than it is in any other state. All states have to follow the US Supreme Court's decisions on 4th Amendment issues. It would be true that once an officer has conducted a pat down search and determined that there are no weapons, he is not allowed to go further in searching without either consent or a warrant.On the other hand, it is not the law anywhere that such a search must be limited to the feel of a gun. Any object which might possibly be used as a weapon can be retrieved during a pat down search. Whether retrieval of a bag of dope from the suspect's pocket would go beyond the allowable scope of the pat-down search would still depend on the totality of the circumstances, including what the bag of dope felt like (for example, was it a hard object that could be a weapon or a soft plastic baggie). There is another issue, as well.If this person is leaving a place for which a search arrant has been issued, the police already have a reasonable suspicion of involvement in criminal activity which would Justity a detention beyond a simple pat- down and identification. What else is said and done by others at the scene (cops and suspects) and what is found in the search may Justify extending the detention of the person who was leaving as a possible suspect in drug sales or possession. The search you asked about occurred under similarly exigent circumstances, the evidence was easily disposable and the intrusion was very limited.So, it seems to e, the evidence seized under the circumstances you described would still be admissible. 3. Kyle and Mel are detectives in the property crimes unit. They are investigating a case of leaving the scene of an accident. The victim's car suggested an impact on the right front bumper of victim's car. While canvassing a neighborhood on another matter, Mel sees a car parked in a garage. The garage is attached to the house, but the door is open. The car shows physical damage to the left rear quarter panel with smudges similar to those on victim's car.

Capital Budgeting

Are there any similarities between a firm’s capital budgeting decisions and an individual’s investment decisions? Capital budgeting is the process of analyzing potential additions to fixed assets. Capital budgeting is very important to firm’s future because of the fixed asset investment decisions chart a company’s course for the future. The firm’s capital budgeting process is very much same as those of individual’s investment decisions. There are some steps involved. First, estimate the cash flows such as interest and maturity value or dividends in the case of bonds and stocks, operating cash flows in the case of capital projects. Second is to assess the riskiness of the cash flows. Next, determine the appropriate discount rate, based on the riskiness of the cash flows and the general level of interest rates. This is called project’s required rate of return or cost of capital in capital budgeting. Then, find the PV of expected cash flows and the asset’s rate of return. If the PV of the inflows is greater than PV of outflows (NPV is positive), or if the calculated rate of return (IRR) is higher than the project cost of capital, accept the project. Question b What is the difference between independent and mutually exclusive projects? Between normal and non-normal projects? Independent projects mean a company can select one or both of the projects as long as they meet minimum profitability. This is because the projects do not compete with the firm’s resources. Projects are independent if the cash flows of one are not affected by the acceptance of the other. Mutually exclusive projects mean if acceptance of one impacts adversely the cash flows of the other which is firm can select one or another project but not both. This is because projects investments that compete in some way for a company’s resources. When projects are mutually exclusive it means that they do the same job. Normal projects have outflows, or costs, in the first year (or years) followed by a series of inflows. Non-normal projects have one or more outflows after the inflow stream has begun. So, we can conclude that the lower the WACC, the higher the value of NPV. Question d 1) Define the term internal rate of return (IRR). What is each project’s IRR? Internal rate of return (IRR) is the discount rate that will equate the present value of the outflows with the present value of the inflows. The IRR is the intrinsic rate of return. By using financial calculator, the IRR for project L is 18. 13% while the IRR for project S is 23. 56%. 2) How is the IRR on a project related to the YTM on a bond? A project’s IRR is the discount rate that forces the PV of the inflows to equal the cost. This is equivalent to forcing the NPV to equal zero. The IRR is the estimate of the project’s rate of return, and it is comparable to the YTM on a bond. 3) What is the logic behind IRR method? According to IRR, which project should be accepted if they are independent? Mutually exclusive? The logic behind IRR method is; if the IRR is more than WACC, the project will be accepted, but the project would be rejected if the NPV is less than WACC. IRR that equal to WACC means it is technically indifference whether we accept or not the project, will not gain any benefit or loss. According to IRR, both projects can be accepted if they are independent because the IRR for both project have percentage more than the percentage of WACC. But, if they are mutually exclusive, only one project that should be accepted that is project S. This is because the IRR for project S is 23. 56% and it is higher compared to the IRR for project L which only 18. 13%. 4) Would the projects’ IRR change if the WACC changed? No, the IRR would not change if the WACC changed. Question e 1) What is the underlying cause of ranking conflicts between NPV and IRR? In the normal project for the NPV profiles to cross one project must have both a higher vertical axis intercept and a steeper slope than the other. A project’s vertical axis typically depends on the size of the project and the size and timing pattern of the cash flows. For example, for the large projects and with large distant cash flows would expect to have relatively high vertical axis intercepts. The slope of the NPV profile depends entirely on the timing pattern of the cash flows. The long-term projects have steeper NPV profiles compared with short-term projects. So, NPV can only cross in two situations which is when mutually exclusive projects differ in scale or size and when the projects’ cash flows differ in terms of the timing pattern of their cash flows (Project L and S). 2) What is the â€Å"reinvestment rate assumption†, and how does it affect the NPV versus IRR conflict? The underlying cause of ranking conflict is the reinvestment rate assumption. All DCF methods assume that cash flows can be reinvested at some rate. This applies to Project L and S. When we calculated their NPV, we discounted at WACC, 10% which means that we assuming that their cash flows could be reinvested at 10%. IRR assumes that cash flows are reinvested at the IRR. Discounting is the reverse of compounding. Compounding assumes reinvestment and also for the discounting. NPV and IRR are both found by discounting, so they both assume some discount rate. NPV calculation is the assumption that cash flows can be reinvested at the project’s cost of capital while the IRR calculation assumes reinvestment at the IRR rate. 3) Which method is the best? Why? The NPV tells us how much a project contributes to shareholder wealth. The larger the NPV, the more value the project adds, and added value means a higher stock price. Thus NPV is the best selection criteria. A project IRR is the discount rate that forces the PV of the inflows to equal the cost. This is equivalent to forcing the NPV to equal zero. However, NPV or IRR give better ranking is depends on which has the better reinvestment rate assumption. NPV is selected because it used as a substitutes for outside capital hence save the firm cost of outside capital. For most firms, assuming reinvestment at the WACC is more reasonable for the following reasons. If a firm has reasonably good access to the capital markets, it can raise all the capital it needs at the going rate, which in our example is 10%. Since the firm can obtain capital at 10%, if it have investment opportunities with positive NPV, it should take them on and it can finance them at a 10% cost. If a firm uses internally generated cash flows from past periods rather than external capital, this will save it the 10% cost of capital. Thus, 10% is the opportunity cost of the cash flows, and that is the effective return on reinvested funds. However, NPV and IRR usually give the same results to accept or reject the project for independent project. NPV and IRR occurs conflict only when mutually exclusive projects are involved. Question f 1) What is the difference between the regular and discounted payback methods? Payback period is defined as the number of years required to recover the funds invested in a project from its operating cash flows. Discounted payback is the length of time required for an investment’s cash flows, discounted at the investment’s cost of capital to cover its cost. Actually, discounted payback is similar to regular payback except that discounted rather than the raw cash flows are used. 2) What are the two main disadvantages of discounted payback? Is the payback method of any real usefulness in capital budgeting decisions? Discounted payback does consider the time value of money, but it still disregard cash flows beyond the payback period, which is a serious flaw. For example, if mutually exclusive projects vary in size, both payback method can conflict with the NPV, which might lead to a poor choice. However, many firms still use the payback to do the capital budgeting decisions. Payback and discounted payback used as a measure of project’s liquidity and risk. The shorter the payback, other things held constant, the greatest the project’s liquidity. This factor is important for smaller firms that do not have really access to the capital markets. Cash flows expected in the distant future are generally riskier than near-term cash flows, so the payback is used as one risk indicators.

Analytical Framework Essay Example | Topics and Well Written Essays - 750 words

Analytical Framework - Essay Example The third component of analytical framework is the social assessment matrix model. Every component of the social assessment system is vital in identifying various aspects of articles. Posner develops an article that discusses the current issue within the US of treating financial consumers as consenting adults. Identifying whether Posner’s article meets the criteria of establishing social problems as well as solving them is only attainable through assessing the article using the various steps in social assessment process. The following is a step by step analysis of Posner’s article. Step-by-step analysis of Posner’s Article 1. Identification of the key social issues of interest to the business While conducting an article social assessment the first step is to identify some of the key social issues directly linked to the business, which the author has listed. In this step, all issues that affect operations of business are included while those that are too large or systematic for the business to cause a meaningful influence are excluded. Posner identifies varies social issues that directly affects operations of business. The first issue identified by Posner is consumer behavior. Consumer behavior is a vital concept in understanding how consumers purchase or consumer certain commodities. Posner’s identification of consumer behavior is based on financial products. ... Authenticity of articles is measured from the various sources of information that a researcher applied in compiling the information. Posner, in his attempt to develop an authentic, valid, and reliable article obtains data and information from different sources. For instance, Posner uses the Treasury Department as one of the source of information in developing the article. According to the author, Treasury Department’s assertion that there should be application of actual data about how people make financial decisions to develop oversight consumer finance is a vital source of information that helps in developing an authentic article. In addition, Posner uses utterances and assertions from, prominent persons such as Elizabeth Warren, Richard Thaler, and Robert Shiller. Other sources include previously done articles such as the Journal of Economic Perspective and National Bureau of Economic Research Paper. 3. Preliminary Classification and Prioritization of Issues This step requir es reducing the number of issues to manageable size. After identifying consumer behavior in respect to purchasing financial products as well as savings, Posner narrows down the discussion to consumers’ behavior towards purchasing financial products. Narrowing down to this social issue provides ample time and space to provide a critical evaluation of the same. 4. Measuring Current Performance Relative to Key Social Issues In attempts to solve problems or social issues identified, it is of significance when the researcher measures the current performance relative to the key social issues. While employing direct method of measurements, Posner identifies the fact that currently there has been poor consumption of financial product due to insufficient