Profitable Ratio Analysis of Thorntons Plc

Profitablity Ratio Analysis This investigation proportion dependent on FAME report and yearly report of Thortons (PLC) from 2007 to 2010. 1. Net Profit Margin During period 2007-2010, Thorntons was accomplished the most elevated gross overall revenue in 2007. It was expanded the business/income 5. 3% (from ? 176. 60m to 186. 00 m). In 2008 the deals was expanded 11. 9% (from ? 186. 00m to 208. 12 m) anyway the gross net revenue was diminished because of the significant expense of good deals contrast with earlier year which was expanded 19. 7%. In budgetary report 2009, the gross benefit was declined from 105. 05 m to 104. 969m and declined of gross overall revenue from 50. 5% to 48. 87$. In 2010, there was expanded in net revenue however the deals was diminished from the earlier year. As far as execution against its rivals in comparable industry, the presentation of Thortons is generally higher during period 2007-2010 (Figure. 1). The exhibition of different contenders, Dunhills, jus t could accomplish the 42. 16% in 2010. Contrast with its rivals , it was shown that Thorntons has high gross overall revenue, implying that Thortons has high creation efficiency.Having High gross net revenue, Thorntons could pay its working cost, charge , representative advantages and so on 2. Working Profit Margin In perspective on its Operating Profit Margin, Thorntons execution was expanded in two back to back a very long time from 2007 to 2008 with proportion 3. 81 % and 4. 03%. This expansion in working edge was trailed by declining in two continuous years 2009 and 2010 with proportion 3. 77% and 2. 86%. These declined of working overall revenue because of expanded in the costs, particularly in representative advantage and inventories costs which consistently rose from 2007 to 2010.In expansion the technique of organization to present numerous new items, expanded our multi-channel offer and put huge wholes in new retail location frameworks and production line mechanization has expanded the expense. Moreover the monetary downturn from 2009-2010 was constrained the organization to accomplish better pay. Contrast with the Thorntons’s contenders, the exhibition of working edge is not exactly Dunhills which accomplished working edge normal in four years 16. 8% far above Thorntons and Farrero. The diminished of working edge was occurred with Cadbury which tumble from 2007-2008. . Profit For SHAREHOLDER FUND (ROSF) ROSF measures the benefit against all out value contributes by investor. In such manner, the figuring of benefit is utilizing benefit before charge while other count, utilizing benefit after expense. Thorntons has steadiness execution in the center range to restoring the investor assets from 2007 up to 2009 contrast with its rivals. Anyway the ROSF was diminished in 2010 because of abatement in benefit before charge 2. 4% from 2009 to 2010. On the otherhand, Thorntons despite everything accomplished Basic income per share which expanded by 20. % to 6. 5p (2009: 5. 4p) and its Board was suggested a last profit of 4. 10p (2009: 4. 85p), making the all out profit for the year 6. 05p (2009: 6. 0) Compare to its rivals, the proportion of ROSF of Thorntons is in the center level and moderately steady. The organization created benefit in constantly 4 years with elevated level accomplished in 2009 with benefit owing to investor ? 6. 068 m. Cadbury was droop down in 2008 yet it was accomplished the high ROSF in 2009 practically 90% of different contenders with benefit owing to investor ? 68. 55 m . 4. Profit For CAPITAL EMPLOYED(ROCE) Return on Capital Employed (ROCE) is estimated the working benefit produced against the drawn out capital in the business. ROCE proportion of Thorntons was expanded from 2007 to 2008, and diminished from 2008 to 2010. Despite the fact that Thorntons has effectively paid off the Net obligation since 2008 to 2010 , anyway the low accomplishment is affected by diminishing in working benefit from 2008 t o 2010. Contrast with its rivals, the ROCE proportion of Thorntons was in the center accomplishment lower than Cadbury in 2009 to 2010.Cadbury was in the negative ROCE in 2008. Dunhills has moderately steady in its ROCE proportion and near Thorntons in ROCE proportion. On the off chance that it is additionally looked into the two Thorntons and Dunhill has close in normal working benefit during period 2007-2010. RECOMENDATION Considering assessment and examination of productivity proportions of Thorntons during period 2007-2010 and think about its exhibition against the rivals in its industry , coming up next is rundown of suggestion that could be considered by Thorntons: 1.Since the Revenue (deals) throughout the years is moderately level and higher contrast with its rival, it is prescribed to diminished the expense of good deals to expand the gross benefit by recognizing the likelihood to lessen the expense from its gracefully chain activities from securing crude materials, decreas ing number of inventories, improvement in line creation and merchandise stock, inspecting the systems selling and model of distribution.It is shown and may be high chance to pick up deals income by putting right model of agreement deals to envision the occasional conditions. 2. To expand the Operating benefit, it is prescribed that Thortons to decrease the organization costs or stripped particularly in outlet which is demonstrated unbeneficial and spotlight on the ideal selling and appropriation model. 3.Increase income by ceaselessly grow new creative item to produce separation from its rivals and keep up the control of piece of the overall industry. Reference: FAME Report http://speculators. thorntons. co. uk/download/pdf/annual_report_Final_sep_2010. pdf http://speculators. thorntons. co. uk/download/pdf/ar09. pdf http://financial specialists. thorntons. co. uk/download/pdf/Thorntons_AR2008. pdf http://financial specialists. thorntons. co. uk/download/pdf/Thorntons_AR07. pdf

The Effects of Violent Video Games on Children Essay

The Effects of Violent Video Games on Children - Essay Example This has many negative consequences for the person which is uncovered; paying little mind to age. One of the parts of the negative impact a lot of time spent playing vicious computer games has been appeared to impact adversely upon a scope of medical problems inside such gatherings. Despite the fact that the negative wellbeing influences have been a subject of much ongoing conversation, the communicated motivation behind this exploration examination will be to draw a degree of induction upon the manner by which viciousness spoke to inside computer games influences the brains, viewpoint, brain science, and world-see understanding of the juvenile review crowd. Likewise, it will be the express motivation behind this short examination to stand firm concerning the effects that computer game savagery has upon the young people of the present period just as look to determine a degree of culpability with respect to the activities taken by teenagers that have been impacted by viciousness in co mputer games. It is the expectation of this writer that by giving a pugnacious article key components of research from a wide range of sources that the peruser will have the option to reach an increasingly educated resolution with respect to the general effects that computer game brutality manages upon teenagers and upon society all in all. In spite of the fact that savagery has consistently been a discernable and noticeable piece of the human experience, the multiplication of viciousness in computer games has given a change in outlook in the way that the investor, in particular young people, draw in with a comprehension of this portrayal inside the truth of culture and diversion that such a medium speaks to. At last, the degree and level of the savagery that is spoken to alongside the expanded all out review/playing hours that teenagers inside society are connecting with implies that the level and degree to which this viciousness is spoken to has expanded exponentially after some t ime. Notwithstanding, before diving further into the idea of savagery and its impact as spoke to inside computer games, it is critical to qualify that paying little heed such that viciousness inside media could have on the individual, it can't and ought not be accused for all surviving brutality that exists because of the way that savagery and its portrayal inside human culture has far originated before the primary presentation of TV or computer games as a rule. To put it plainly, this exponential development makes an extraordinary dynamic with respect to in general effect and request that whatever hypothesis which is utilized to characterize this is completely mindful and mindful of the exponential size of viciousness which is being talked about. One of the most significant parts of the impacts of the media on the pre-adult brain is the manner by which it causes a level of introduction and acknowledgment of vicious activities as a sensible and anticipated methods for compromise. Nu merous examinations have investigated the blast of outrage and animosity gives that have been spoken to of late and made persuading connections and equals to the degree to which the portrayal of savagery inside media, and explicitly computer games, have added to the ascent in the pervasiveness of these issues. In any case, paying little heed to the specific investigation that has been broke down, most creators and specialists have concurred that youngsters and immature presentation to savagery has an indispensable influence in a definitive articulation of vicious conduct; or at any rate incorporates a comprehension among the investor that rough articulation is a satisfactory methods for struggle

For Career Advancement, Find Out Why Many MBAs Swear by their Degrees

For Career Advancement, Find Out Why Many MBAs Swear by their Degrees Whether you are at the beginning of your studies or you are just reaching the finish line, the question â€" “what now?” must have come to your mind at least once.Or it might be that you have already finished your bachelor studies and are currently working or looking for a job opportunity.In whichever profile you fit in, one thing is sure â€" while considering your next step, the idea of doing an MBA must have crossed your mind.Now you might be thinking â€" is it worth studying for two extra years, is it better to do masters or MBA, how do I know if Im a fit for doing an MBA,… and so on.Questions are countless and, needless to say, important as they are the matter of your future, and we understand the level of pressure you are feeling currently, as well as the need to make the right decision.Worry no more â€" we’ll cover all the pros and cons of doing an MBA and answer all of the questions (even those you didn’t know you’ve had) so you can be sure in your choice and excel in it!WHAT IS MBA?Hey mum, what is MBA? Believe it or not, there is a high possibility that the kid in primary school will one day ask their parents about MBA.It has become a widely-known thing and people from all around the globe show respect to those who finish the MBA.Even though a lot of people still dont understand what an MBA is and why it is important, somehow they know that it is respect -worthy.Not to live in the blur anymore, well demystify MBA once and for all, and help you understand completely its benefits.The acronym MBA stands for the Master of Business Administration. The master of business administration (widely known as MBA) is an internationally-acknowledged degree aiming to educate and equip students with all necessary knowledge and skills in the field of business and management.Above is the easiest and shortest definition you will find. If you are not looking for a career in business or management, the definition shouldn’t discourage you from reading the text further.On the contrary, if you are seeking for professional development in fields of the public sector, private industry, government and many more â€" MBA might be the key for your success.As mentioned previously, the MBA helps you develop managerial skills, but those skills can be applied in different areas, which gives MBA such value.The majority of MBA programs (and there are a lot of them! But more about that later) are designed in a way that students choose their majors, similar to bachelor studies.There are some essential subjects you have to take in order to get an MBA â€" economics, marketing, operations, and accounting. In the end, it is called the Master in Business administrations, and all these subjects are necessary for you to become an expert in this field.However, you still have huge flexibility and you can choose from a variety of subjects, based on your interests, needs, wishes or thing you find most profitable.Again, it is your choice!Many students adore the progr am exactly because of this freedom to choose additional subjects.Another interesting thing that is necessary for almost every MBA program is that there is an obligatory internship that each student has to complete in a specific company, startup or organization.Not only that you get practical experience while still studying, but you also get a high chance of finding a job easy after finishing an MBA if you prove yourself during your internship.If you are still in your bachelors, make sure you understand this now â€" most of the business academies will require you to have at least a couple of years of experience in your professional field before the start of your MBA program.Is it really necessary? In most of the cases, yes â€"you need to have relevant professional experience.Does my experience in serving coffee at Starbucks count?Sorry buddy, only if during the time you served coffee in Starbucks the sales in that shop grew disruptively and it is tightly connected to you working ther e, this experience will count.If not, you will have to start looking for an opportunity that will be more related to your field of studies.As for the other documents, in order to get into MBA program, youll have to prepare a Graduate Management Admission Test (GMAT if you prefer) or Graduate Record Examinations (GRE shortly) scores, letters of reference, academic transcripts and a motivational letter (in a form of an essay or statement of purpose) explaining why you want to do an MBA and what drives your motivation.Bear in mind that if you are not a native English speaker, passing language exams that prove your English skills such as TOEFL or IELTS will be necessary for you to gain an ability to start MBA.All courses are delivered in English and therefore this skill is essential.If you’ve finished your bachelor studies in English, it might be useful to highlight that on your application â€" it might happen that they’ll free you from taking English exams.The first line with the k id asking his mum about the MBA was not a joke. This program has been the number one choice for all young people worldwide for many years now.It is no surprise that even at a young age children hear about MBA and learn that is the most popular professional degree in the world. Translated to their language â€" the school you go to if you want to be successful!And kids have the right. The MBA program started its raising career in the last century and its origins are in the United States.Even though it hasn’t been long since the start, now there are more than 2500 MBA programs at universities at each corner of the world.Most of them are delivered in English which broadens the opportunity to many ambitious people.As the time, economics and industry have changed, so did the MBA program. Nowadays, besides the old-fashioned two-year MBA program, you can choose a one-year program or even a part-time and online MBA.You dont have to miss out on getting an MBA just because you are full time employed or have some other obligations that require your full attention, you can simply choose between these adjusted programs.There is even a special program called Executive Master of Business Administration (EMBA) specially designed as a part-time program for professionals who have broad experience behind them â€" meaning a couple of years working in business or management.In whichever category you feel you belong, one is sure â€" there is an MBA program for you and you can gain so much from it.WHY DOING MBA IS SO IMPORTANT?If you are thinking about going abroad and starting the international career, youll be thankful to yourself for finishing an MBA.If not, youll still have plenty of reasons to be thankful. Lets check the most popular ones.1. The TitleIt might sound ridiculous and funny, but allow yourself to think about it for a second. Although this might not be the main reason you choose to do an MBA, it might be the most beneficial one.Take a look into any business surround ings and you’ll see how people treat differently those who have letters MBA right behind their names.So if you are looking for a better position, up scaling your business or gaining the respect of your colleagues you are on the right track.MBA is a proven program that shapes a countless number of experts each year and at each corner of the world, making them the most desirable employees and colleagues.Just by letting people know you have finished MBA, you will leave the good first impression. And that is an excellent starting point both professionally and personally.Having only the title itself won’t help you much, but will definitely open a lot of doors for you.Then it will be time for you to prove yourself and apply everything you’ve learned through your MBA. Use this advantage wisely and get the best out of it. After all, you’ve studied really hard to get it!2. Business KnowledgeIf you remember correctly from the beginning of this article, we explained that an MBA is not only for people persuading a career in management in business but also in any other expertise. Additional subjects let you choose your interests and gain skills in the desired areas.However, no matter what your profession or interests are, if you finish an MBA you will definitely gain knowledge in business, which many people lack.Lets say that you are kicking it in the IT area and that you are seeking for career advancement.If there is a colleague with the same IT expertise as you and the only difference is that you also have business knowledge and skills, who would get a promotion, what do you think?Most probably you. By completing MBA, you are equipping yourself for a broad number of positions and increase your chances of getting a promotion, as in higher places it is necessary to possess management, accounting, economics, marketing, and similar skills, which you would gain through the program.If on the other hand, you are a freelancer or an entrepreneur that has other companies, startups or organizations as clients, with MBA you will understand your clients better and therefore provide them with a better service.If you are thinking about starting your own enterprise,3. Increasing Your Chances for a Better JobYou have to admit that the competition is strong and that each year we have more and more educated people and with globalization, the competition became even bigger.Thats what puts companies in a position to demand longer working experience or advanced management training when opening positions.And who could fill out all these requirements? Thats right, an MBA graduate. MBA programs put you through different courses such as management, business, accounting, finances, and etc. all with the aim of you getting all the required skills and knowledge, alongside with experience.Dont forget that many MBA programs include an obligatory internship in a company, startup or an organization which then combines advanced business training with relevant professional ex perience. Bingo!The history of hiring MBA graduates that turn out to be excellent employees, managers and colleagues are what gives you and any other future MBA-er a chance to get amazing job opportunity even at the beginning of your career.The fact that you’ll be attending classes for additional two years (or at least one) might sound boring, but when you take into consideration what kind of classes there are, which fields you get to study and how much relevant practical experience you get â€" it seems to be worthy.We’ll mention it once again as it is a common thing. If you prove yourself as a hard-working, educated and ready to learn more interns, you have a high chance of getting a job in that company once your internship ends.And again, amazing job opportunity (you didn’t even have to look for) thanks to the MBA program. 4. Higher IncomeWow, we probably don’t even have to explain this and tell you why it’s better to earn more.Everybody in the world knows it, wants it a nd in most cases fails to have it.So how exactly can enrolling into MBA program help you have a higher income?Getting an education is like investing in yourself. Literally and also in any other context.By getting a higher education, attending courses, seminars and training, interning in a company and working on your personal and professional development, you increase your value.Companies know how to recognize this value and reward it equally.Thats why they choose to invest in their top employees and pay those with finished an MBA more than average employees. It is as simple as that.From one perspective it might sound unfair to others â€" we are doing almost the same job and one of us is getting paid way more than the other just because he or she went to another school.True, but if you look at the facts and all the knowledge, skills and expertise a person got from finishing MBA and how much a company can prosper from it â€" it is only fair for that person to be paid more.If you look at the statistics, you’ll find it all there. Even the starting salaries at almost every job are higher if you have an MBA.If it happens that a company doesnt value an MBA, well, maybe its time you consider choosing another company for your future career. Just a bit of friendly advice.5. Getting an Important RoleThis one goes kind of without saying but still we will mention it as nothing is to be blindly considered.For all of you who feel in your bones that you are ambitious and want to have an important role, MBA will help you climb that ladder.Not only that it will help you get the desired job, but will also help you prosper and move up in the hierarchy.By finishing the MBA and proving yourself at your workplace, you increase your chances of getting a more important role, all thanks to your previous experience and all managerial and business skills you have previously gained.If you know that you wouldnt be satisfied with the same job until the end of your career, researches show that with an MBA comes a higher job satisfaction. Sit down, think about your goals and priorities and if this is one of them â€" think about getting an MBA degree.6. Acknowledged ExpertiseNothing says more Im an expert than taking additional time, money and effort and putting it into getting that expertise through programs such as MBA.MBA shows how passionate and devoted you are to your career meaning that you most probably have high expertise in your field.By no circumstances can you compare a person with a bachelor degree with a person who has finished an MBA.By investing in yourself and putting additional resources in order to develop, you show how serious, professional and dedicated you are, which is something that each company appreciates in its employees.7. Personal DevelopmentWe’ve talked pretty much about professional development â€" the knowledge you gain, the skills you develop, the experience you get to live. But what about personal development?Benefits of enrolling int o the MBA program are more than clear now, but just before sending your application bear this in your mind â€" it is by no means easy to finish an MBA.Finishing the MBA program successfully requires people to give up on their free time, savings and often sleep (as sleeping time can turn into the study or working hours). And what does this mean to your personal development?It means that you will develop, a lot. By facing constant challenges, you will become more organized, focused and start learning quickly and easily.Not to mention all the simulations and exercises you get through the actual MBA program that helps you develop your soft skills even further.So after you finish your MBA you will proudly write those letters behind your name and walk into the office with your head high, giving yourself the best present ever â€" confidence in a working place.8. NetworkingNetworking has a high tendency to become the most wanted skill in the 21st century. Nothing becomes as valuable as cont acts you gain and the network you develop.So can you imagine a better network than that consisting of MBA graduates?By enrolling into MBA you surround yourself with people who are as passionate and as devoted as you are and that will most probably have amazing careers in their field of expertise.Those kinds of people you want to have on your side, in case you want to start your own business, look for recommendation, start a cooperation, etc. for anything you need in your business, people and contacts you collect are the most precious and can help you succeed, or hold you down â€" if you lack them.These are only some of the benefits you gain from finishing an MBA.What is most beneficial to you depends only on your preferences and career plans and goals.Focus on them and realize what is the most important thing you want to get out of MBA experience.FAQsYou probably still have some questions, so we’re going to go ahead and answer some frequently asked questions.1. How much does MBA c ost?According to the Poets Quants website, an MBA from a top school can cost upwards of $200,000 â€" over $400,000 if one cares to include lost job income.That is a lot, we completely agree. There is no misunderstanding â€" MBA costs a lot, it is a fact.Don’t feel discouraged, as you might find a cheaper option. Just remember â€" it is about your education and in the end, future.Don’t save money on that, invest in yourself. If you do well, it will pay off more than you can imagine.Also, you can check and look for some scholarships or funding. There are a lot of companies, organizations and even government that want to invest in your education.2. Should I do an MBA if I have more than 10 years of experience?Most probably not. There is no correct answer, but our advice is to focus on some other things rather than doing an MBA.If you are so far in your career you have probably gained all the knowledge and experience you would through an MBA so it wont bring any value to you.3. Whe re can I do my MBA?As mentioned previously there are more than 2500 universities offering MBA programs. That gives you a broad specter of options.You can do it locally in your home town, or you can choose a country in which you would like to work and apply for MBA there. It will probably be a good starting point for you.4. What are my chances of getting into an MBA?We have covered some basics regarding requirements for applying to the MBA program, but well highlight them again.The most important and mandatory ones are work experience (at least two or three years), GMAT or GRE score and bachelor degree with a good GPA. If you have any extracurricular or volunteering experiences, it might be helpful to you.Also, if you are not a native English speaker, you’ll have to dome tests to prove your language skills. Your level of English should enable you to listen and learn in this language as it’s your mother tongue.5. What is the difference between Master program and MBA?A Master progr am is a chance for each undergraduate to upscale their knowledge in their field and learns something additional in their expertise.MBA is a type of master program, but focuses mostly on business and management and equipping you with all skills and knowledge that will help you become a successful businessman in your area of expertise. FINAL WORDWhether you are at the beginning or end of your undergraduate studies, already working or looking for a job, it is a high time you start considering an MBA.If you are looking for a dynamic career and opportunities for prospering, an MBA might be your helping tool.Whatever you decide and whichever path you choose, we wish you good luck and know that as long as you keep on working on yourself, you are going to get to where you want to be!

The Greek and Roman Influence over Modern America

The Greek and Roman Influence over Modern America The Greeks and the Romans were among the most influential societies in the history of the world. Evidence of Greek or Roman influence can be found in almost every culture or country that has ever existed. Though both cultures were different in practice and incredibly competitive with one another, their politics and their beliefs set the stage for future civilizations, including those of the modern world. In particular, the values and practices of Greek and Roman citizenship and politics, more than any other cultures, influences American policies today in terms of values, government, and self-image. The Greek civilization was one of the first organized and well-structured societies in†¦show more content†¦In Greece we see a similar emphasis in moving away from the human rejection of intelligence. In Plato’s The Allegory of the Cave, he tells a story focused around the view that most people live in a world of ignorance a nd need to go against the norm and to seek intelligence. This Greek philosopher dictated these ideas that are still used in theory in modern America. Although Americans and Greeks are not exactly alike, they share many similar traits, reflecting the Greek influence on America. Romans were a civilization that originated after the Greek culture. They, like Greeks, saw an extreme significance in the idea of a love for one’s country and loyalty. The Romans, however, were more concerned with public affairs such as education, sanitation, and health. They held a strong connection with their ancestors and wished to imitate what the ancient Romans did. Although Romans rejected the idea of a Rex, or king, they favored the common hero. They wanted a leader who a â€Å"regular Joe†, someone who was average and could still led an average life after doing extraordinary things. The Romans also had a very defined government that was broken into consuls, senate, and assembly. There w ere two consuls who served in place of the king as the leaders of the Roman Empire. Next in succession was the senate, comprised only of patricians who debated and passed legislation. Finally, there was the assembly made for the plebeians to approve laws.Show MoreRelatedAmerica Is The Melting Pot Of The World848 Words   |  4 Pagesdifferent influences on the world that we live in today, especially in America. America is the melting pot of the world. People from all over the world come here to live, so we have adapted to different cultures all around the world. One of the biggest influences in our society today is Greece and Rome. They influenced our alphabet, language, entertainment, laws, architect, religion, and calendar. 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Predatory Lending in the Housing Industry Essay - 2965 Words

The Ethics of Predatory Lending in the Housing Industry nbsp;nbsp;nbsp;nbsp;nbsp;The real estate industry is thriving with approximately sixty-eight percent of all Americans being homeowners. With low interest rates, 1st time home buyer down payment assistance programs, and government funded educational opportunities (i.e. the Home Ownership Center of Greater Cincinnati), the real estate and mortgage lending industries will continue to flourish. However, there are some unethical lending practices that are threatening the housing industry as a whole. nbsp;nbsp;nbsp;nbsp;nbsp;Those involved in the mortgage lending process have some duty to the borrower. They are expected to perform their specific duties in an ethical manner and†¦show more content†¦Mortgage Insurance Companies: Mortgage insurance companies are generally used if the borrowers down payment are less than twenty percent of the purchase price of the home. This is called PMI (Private Mortgage Insurance). The cost of private mortgage insurance is included in a buyer’s monthly payment. nbsp;nbsp;nbsp;nbsp;nbsp;What is happening is that there are some unethical lending practices that are threatening the housing industry as a whole. The concern involves the practices of some sub-prime lenders. These practices are considered to be â€Å"predatory† on consumers. Sub-prime lenders offer home loans (Equity Loans amp; 1st Time Home Purchase Loans) to moderate to lower income families. These clients are considered to be high credit risk borrowers, also know as B-C-D credit clients. Interest rates and other loan terms generally cost more than those paid by clients served by prime lenders with better credit records (A credit clients). Sub-prime borrowers end up paying more simply because the risk of loan repayment is fundamentally higher than that of a prime market borrower. These predatory practices include, but are not limited to: †¢nbsp;nbsp;nbsp;nbsp;nbsp;Extremely high interest rates, discount points, closing costs, and broker fees. †¢nbsp;nbsp;nbsp;nbsp;nbsp;Borrowers with inadequate income, receiving loans that they will defaultShow MoreRelatedPredatory Lending in the Housing Industry3062 Words   |  13 PagesThe Ethics of Predatory Lending in the Housing Industry The real estate industry is thriving with approximately sixty-eight percent of all Americans being homeowners. With low interest rates, 1st time home buyer down payment assistance programs, and government funded educational opportunities (i.e. the Home Ownership Center of Greater Cincinnati), the real estate and mortgage lending industries will continue to flourish. However, there are some unethical lending practices that are threateningRead MoreSocial Policy Related to Individuals in a Rural Setting1611 Words   |  6 Pagessocial policy. 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My Research over Seminole Wars Free Essays

The Seminole Wars U. S. History 1301. We will write a custom essay sample on My Research over Seminole Wars or any similar topic only for you Order Now 046 Carissa Farley Professor Rumanuk April 3, 2013 The Seminole Wars was one of many wars fought during our nation’s history. Some of the wars in our history were fought over Indian Removal. According to Ron Soodalter, â€Å"The Second Seminole War erupted over broken treaties that repeatedly changed the boundaries of the Seminole reservation and finally sought to push the Seminoles out of Florida altogether†. That sounds a little harsh to try and control the land of the Indian tribes. However that is just the way things were back then. Back then the Indians were considered one of the United States biggest enemies. â€Å"The U. S Army and the Seminoles fought three wars between 1816 and 1858. † One of these wars that were fought was the Second Seminole War. The war was fought for seven years. But the Second Seminole War, fought from 1835-1842 cost upward of 530 million-more than the annual federal budget at the time-and resulted in the deaths of nearly 1,500 soldiers (mostly from disease), the forced removal from Florida of between 3,000 and 4,000 Seminoles, and the deaths of countless others. † Some wonder why all these deaths happened and it all comes down to the military strategy and stopping the spread of disease. There were people who opposed the relocation of the Seminole Indians. Two important people that opposed the relocation were two Seminole chiefs named Osceola and Micanopy. They both planned the effort against relocation but were defeated by a U. S commander by the name of Thomas Sidney Jesup. Jesup’s tactics wore down the Seminoles and in the end helped the United States drive the Seminoles out of Florida. The people who didn’t oppose the removal of Indians included President Andrew Jackson, Zachary Taylor, Thomas Jesup, Duncan Clinch, and most of the United States. The war was started due to a â€Å"conflict that was the direct result of the nation’s unbridled desire for territorial expansion, and of President Andrew Jackson’s Indian removal policy. According to the constitution of the United States all men are created equal. So shouldn’t that include Indians? Seeing as how we are treating them as the enemy, I don’t think that the Indians were included as part of the all men are created equal line of the constitution. However some people would say that the Indians are the enemy and should be treated horribly. â€Å"Jackson believed Indians posed a threat to the peace and tranquility of the American nation and should be relocated or eliminated. He formalized his policy in 1830, selling his concept to Congress, which passed the Indian Removal Act by the narrowest of margins. Over the next few years Jackson continued his campaign to remove the â€Å"Five Civilized Tribes†- the Cherokee, Chickasaw, Choctaw, Creek, and Seminole- and drive them west of the Mississippi. † The Indians were divided in what to do. Some chose to use non-violence while others decided to go to the Supreme Courts and let the Courts decide what to do. The courts ruled in favor of the Indians and that caused a problem for Georgia. Georgia went to Jackson and Jackson told Georgia to ignore the ruling. Georgia and Jackson decided to ignore the court’s ruling. Because of this the Cherokee Indians were removed in an event called the Trail of Tears. In 1834 Jackson had his sights set on Florida and the Seminoles. â€Å"Eleven years earlier the Treaty of Moultrie Creek had directed the Seminoles to surrender all land claims in the territory and move to a 4-million-acre reservation in central Florida. It also bound them to remain peaceful and to apprehend all runaway black slaves and other fugitives for the government. For its part the government would provide cattle and hogs, an animal annuity of $5,000, an interpreter, a blacksmith, and an Indian agent, and keep all whites from encroaching on Indian Land- the latter an unenforceable provision. The agreement came with a 20-year shelf life. † Unfortunately Jackson broke the agreement and signed another agreement that would force the Seminoles to move to the Arkansas territory within a three year period and surrender all black runaway slaves. I feel like this is violating laws. It is violating treaty laws but making a previous treaty not being upheld. On the other hand it makes the United States gain more land. I don’t agree with President Jackson’s way of removing Indians and taking all the slaves back but to be fair â€Å"Jackson harbored a personal resentment towards the Seminoles for their practice of sheltering and adopting runaway slaves into the tribe. † However his resentment is violating a person’s right to having the freedom to make their own decisions. â€Å"According to several Army officers present at the treaty negotiations, the Indians had been â€Å"wheedled and bullied into signing†Ã¢â‚¬ . The government tried to justify why they did what they did to the Indians ut the truth is they violated civil freedoms. A turning point in the war happened in late 1835 when â€Å"the hawkish Seminoles judged one chief who had agreed to relocate one traitor to the tribe, and Osceola killed him. It soon became clear war would come-and soon. † Unfortunately Osceola killed the Indian agen t on December 28 and anyone in the cabin. He then took treasure from the agent’s cabin. To me this looks like Osceola is out for blood but he isn’t. He is trying to protect his tribe from suffering having to move away from their homes. The agent’s death was avenged by Jesup. Osceola died from Malaria in prison. The war went on in a bloody fashion until it was finally ended by all of the Seminoles going to Arkansas and Florida being given to the United States. Jackson’s prejudice towards the Indians didn’t help. â€Å"In the midst of the War of 1812, Jackson, then in charge of the Tennessee militia, was sent into southern Alabama, where he ruthlessly put down an uprising of Creek Indians. The Creeks soon ceded two-thirds of their land to the United States. Jackson later routed bands of Seminoles from their sanctuaries in Spanish owned Florida. Bibliography SOODALTER, RON. â€Å"ON REMOVING SEMINOLES. † Military History 29, no. 2 (July 2012): 62-69. Academic Search Complete, EBSCOhost (accessed April 2, 2013). â€Å"Outline of the United States History† ——————————————– [ 1 ]. 1 SOODALTER, RON. â€Å"ON REMOVING SEMINOLES. à ¢â‚¬  Military History 29, no. 2 (July 2012): 63. Academic Search Complete, EBSCOhost (accessed April 2, 2013). [ 2 ]. SOODALTER, RON. â€Å"ON REMOVING SEMINOLES. † Military History 29, no. 2 (July 2012): 64. Academic Search Complete, EBSCOhost (accessed April 2, 2013). 3 ]. SOODALTER, RON. â€Å"ON REMOVING SEMINOLES. † Military History 29, no. 2 (July 2012): 64. Academic Search Complete, EBSCOhost (accessed April 2, 2013). [ 4 ]. SOODALTER, RON. â€Å"ON REMOVING SEMINOLES. † Military History 29, no. 2 (July 2012): 64. Academic Search Complete, EBSCOhost (accessed April 2, 2013). [ 5 ]. SOODALTER, RON. â€Å"ON REMOVING SEMINOLES. † Military History 29, no. 2 (July 2012): 64. Academic Search Complete, EBSCOhost (accessed April 2, 2013). [ 6 ]. SOODALTER, RON. â€Å"ON REMOVING SEMINOLES. † Military History 29, no. 2 (July 2012): 65. Academic Search Complete, EBSCOhost (accessed April 2, 2013). [ 7 ]. SOODALTER, RON. â€Å"ON REMOVING SEMINOLES. † Military History 29, no. 2 (July 2012): 65. Academic Search Complete, EBSCOhost (accessed April 2, 2013). [ 8 ]. SOODALTER, RON. â€Å"ON REMOVING SEMINOLES. † Military History 29, no. 2 (July 2012): 65. Academic Search Complete, EBSCOhost (accessed April 2, 2013). [ 9 ]. SOODALTER, RON. â€Å"ON REMOVING SEMINOLES. † Military History 29, no. 2 (July 2012): 66. Academic Search Complete, EBSCOhost (accessed April 2, 2013). [ 10 ]. â€Å"Outline of the United States History† (Unknown dates and author) How to cite My Research over Seminole Wars, Essays

Is There A Meaning To Life Essays - Philosophy, Meaning Of Life

Is There A Meaning To Life? Is there a meaning to life? First, to clear up any misunderstandings in the next few paragraphs you are about to read, I shall explain a few things. I am not talking about the individual people in our lives, that mean so much to us, or individual lives. That is a whole other matter. What I mean by the meaning of life, is the greater picture. There are people all over the world, doing their own thing, living their own lives, in their own areas. Is there a point to this? The people themselves, benefit from learning and having experiences while they're alive, but then they die, and all they have accomplished, ends. Then the process begins all over again with the next generation. So one purpose for life is established. We are here to reproduce. It has been genetically coded into us, and with little prompting, we continue to produce tiny versions of ourselves. But, is there a POINT to this? Well, I solemnly believe not. Some people say the point of life, is to have fun and make others happy. Righto then. Sure, that's a good thing to do, I don't disagree with that. But in terms of the big picture, what does it exactly accomplish? A person lives their life, has fun, and perhaps has the knack of making lots of other people happy in the process, then that person dies. And so eventually, do all the other people they brought happiness to. And through different generations come people who have the same philosophy....same thing, just happening later in time, with different people. Nothing has been accomplished...So, this obviously cannot be the point of life, unless it's inventor has the same intellect as that of pond scum. I would like to think otherwise, so I am interested in finding another answer. Other people believe that God is the point of life. God gives us a booklet of rules and regulations, for us to be eligible to receive his personal 'attention'. We respect his wishes and act accordingly, as to how we believe he would like us to act. Then, it is thought, he looks after us and takes care of us. I find this theory hard to grasp...God, usually, is seen as this great celestial being, that is far more advanced and powerful than any person here on Earth. He has these 'talents' and powers by simply...not being one of us. So, there's God....Way up there, looking down upon us. Earth must seem like a little ant farm to him. If he's up there, looking down and watching over us, how is it so many horrible things happen in the world? Some of you may say it's because the people that these things happened to, weren't behaving how they should have been, how God would have liked them to. Or that God allows us to make choices, good or bad. Ok, then that would mean to me that God is an un forgiving and unsympathetic, celestial meanie. Why should he watch us create misery, see wars break out, while he remains aloof, superior and more powerful than us? I say that's unfair. Perhaps one reason for him would be, because it's more 'fun' to us be so 'handicapped' in the celestial scheme of things. It provides more entertainment, more adventure, and it's harder. And because it's harder, he knows there will be more rewards for us when we succeed in being good. Something is obviously amiss with this plan, since we continue to do the same things over and over again through the generations, and centuries. We just do not learn this particular philosophy of his. Perhaps he could have let us work the controls? Do you think God has been GOOD at it? Heck no. Look at the world's history...It hasn't exactly been a bed full of roses. Sure, God tried. But while the footy game was on tv, he forgot to cut some of the thorns off the roses when he was preparing Earth's future. You reckon we could do any worse? I don't think so. Seems to me we'd all have just as much luck, even more so, at running a world, than