Monday, August 24, 2020

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

Saturday, August 22, 2020

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

Monday, July 20, 2020

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!

Thursday, May 21, 2020

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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Greek mythology was and still is one of the most widely known cultural history due to its influence and switching stands on a patriarchal and matriarchal rule and worship. It is also better known because they thrived in every aspect of a community that one could expect from such an old civilization. The way the Greeks depicted mythology taught

Wednesday, May 6, 2020

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. Introduction Individuals in rural areas face adversity and challenges that are different than faced in other settings. Specifically, these challenges are related to employment, transportation, access to health care, and access to housing that is energy efficient. The work of Friedman (2003) reports that while a great part of the debate on welfare reform is focused on the urban poor nearly 20 percent of welfare recipients reside outside of central cities and metropolitan areas. TheyRead MoreThe Subprime Loan Blog Assignment And References Of Resources Researched Essay1390 Words   |  6 Pagesof the page to review the posts. First Post There were many culprits in the subprime loan debacle in the United States starting somewhere around the middle of 2006. Gilbert (2011) state many levels of contributors participated in this mortgage lending crisis. Gilbert (2011) portends some of these included loan applicants, mortgage brokers, lenders, individual mortgage packagers, agencies that rate mortgages, investment brokers, and advisers, and purchasers of the collateralized mortgage obligationsRead MoreThe Mortgage Crisi- Cause and Effect1167 Words   |  5 Pageswhy can start with the hap-hazards lending practices of subprime lenders. Subprime lending coupled with Wall Street’s greediness is the catalyst to the current mortgage crisis. The crisis is a symptom of capitalism failure that has influence the undermining of the country’s financial structure which is pushing America into an era of uncertainty and reform. From 2000-2005 the housing /mortgage industry increased rapidly. A housing bubble is an increase in housing prices based on demand and the conceptRead MoreThe Great Recession Of 20081388 Words   |  6 PagesRecession is considered the second worst economic crisis in American history, behind the Great Depression. The Recession of 2008 was caused by two major faults: the use of subprime lending and changes in banking culture leaning towards self interest within the banking industry. There is no doubt that subprime lending was a major cause of the Recession. It was a tactic used by investment banks in order to get more money from unsuspecting homeowners. However, lenders found out that most of the peopleRead MoreEssay on The Subprime Mortgage Crisis1374 Words   |  6 Pagesargument over who is at fault for the housing market collapse has been a heated issue amongst government, politicians, banking institutions, and mortgage lenders. The subprime mortgage crisis is an ongoing financial issue and real estate nightmare for the United States economy. A dramatic increase in mortgage delinquencies and foreclosures has caused a significant adverse effect on banking institutions and financial markets. Due to this mortgage crisis, the housing market subsequently has crumbled resultingRead MoreSolving the Foreclosure Crisis Essay1092 Words   |  5 Pageseconomy. As one can imagine, many individuals and families are currently hurting as a result of this foreclosure cri sis. High unemployment rates and lack of job creation leave very few options for already struggling homeowners. Because the housing industry composes such a large part of the American economy and affects so many Americans, it is necessary for the federal government to be directly involved in a solution to the foreclosure problem. Like the New Deal programs during the worst economicRead MoreThe Housing Crisis Of 20081563 Words   |  7 PagesDuring the early 2000 s, the United States housing market experienced growth at an unprecedented rate, leading to historical highs in home ownership. This surge in home buying was the result of multiple illusory financial circumstances which reduced the apparent risk of both lending and receiving loans. However, in 2007, when the upward trend in home values could no longer continue and began to reverse itself, homeowners found themselves owing more than the value of their properties, a trend whichRead More Legislation and Predatory Lending in the Mortgage Industry Essay1898 Words   |  8 PagesLegislation and Predatory Lending in the Mortgage Industry The American Dream has been one of this nations most enduring ideals of the past half-century. Presumably, every young couple, low-income family, and incoming immigrant hopes to one day produce 1.7 kids, obtain 1.3 cars, and of course purchase the house with the white picket fence. But fulfilling these goals costs money; and the aforementioned groups are among the least financially stable in the country. These peoples need forRead MoreHow to Solve the Foreclosure Crisis Essay2252 Words   |  10 Pages Within the past three to four years, the United States has seen the dramatic collapse of the housing market. The housing bubble spurred by ill-advised loans to individuals who could not afford a mortgage, complicated contracts which had interest rates and payments changing without reason, and the mass purchasing of bad loans by lending superpowers, had popped. The rapid increase in the value of homes across the country for the previous decade, had been a falsity, in which billions of dollars funded

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

Sunday, April 26, 2020

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

Wednesday, March 18, 2020

How to Become a Nuclear Medicine Technologist

How to Become a Nuclear Medicine Technologist When you hear the word â€Å"nuclear,† it might conjure up images of power plants and/or Homer Simpson hard at work. But did you also know that nuclear medicine is a cutting-edge Allied Health specialty that uses trace amounts of radioactive material to diagnose and treat patients?The Day-to-DayNuclear medicine technologists are highly skilled professionals who prepare radioactive drugs for patients, then use imaging equipment like computerized tomography (CT) scanners and magnetic resonance imaging (MRI) scanners to see how those radioactive elements respond in the patient’s organs and tissues, and diagnose diseases like cancer. The radioactive drugs, known as radionuclides, are administered safely, and the technologist is responsible for walking patients through every step of the process. Technologists also help explain test results to patients, and work with doctors to analyze the images and determine an official diagnosis.Nuclear medicine technologists typically wor k in hospitals, clinics, diagnostic laboratories, or physicians’ offices. The work week is a standard 40-hour one, although technologists (especially ones who work in hospitals) may be on call during off-hours.For more on nuclear medicine and what it’s like to be a technologist, check out these videos:Nuclear Medicine TWhat is Nuclear Medicine? An Illustrated IntroductionBecoming a Nuclear Medicine TechnologistThe RequirementsNuclear medicine technologists typically have an associate’s or bachelor’s degree, particularly from an accredited nuclear medicine program. And in fact, the American Registry of Radiologic Technologists only recognizes programs at an associate level or higher, as of 2015. About half of U.S. states require additional licensing for nuclear medical technologists, so be sure to check your own state’s regulations.The SkillsThe respiratory therapy field calls for a number of special skills and knowledge bases, including:Attention t o detailMath and science (particularly chemistry, physics, and biology)Critical thinkingPatient evaluationAnatomy and physiologyDisease managementMedical technologyThe PayPer the U.S. Bureau of Labor Statistics (BLS), the median salary for nuclear medicine technologists is $72,100, or $34.66 per hour. In addition, the field offers a lot of fulfillment for its members. According to a survey conducted by PayScale, the average nuclear medicine technologist gives extremely high marks for job satisfaction.The OutlookThis is a highly specialized field, and doesn’t necessary experience the same growth as some Allied Health careers, but the BLS predicts that the nuclear medicine technologist field will expand by at least 2% in the coming years.Interested? APPLY HERE

Monday, March 2, 2020

The First Dinosaurs

The First Dinosaurs About 230 million years agogive or take a few million yearsthe first dinosaurs evolved from a population of archosaurs, the ruling lizards that shared the earth with a host of other reptiles, including therapsids and pelycosaurs. As a group, dinosaurs were defined by a set of (mostly obscure) anatomical features, but to simplify matters a bit, the main thing that distinguished them from their archosaur forebears was their erect posture (either bipedal or quadrupedal), as evidenced by the shape and arrangement of their hip and leg bones. (See also What Is the Definition of a Dinosaur?, How Did Dinosaurs Evolve?, and a gallery of early dinosaur pictures and profiles.) As with all such evolutionary transitions, its impossible to identify the exact moment when the first true dinosaur walked the earth and left its archosaur ancestors in the dust. For example, the two-legged archosaur Marasuchus (sometimes identified as Lagosuchus) looked remarkably like an early dinosaur, and along with Saltopus and Procompsognathus inhabited that in-between shadow zone between these two forms of life. Further confusing matters, the recent discovery of a new genus of archosaur, Asilisaurus, may push back the roots of the dinosaur family tree to 240 million years ago; there are also controversial dinosaur-like footprints in Europe dating to as far back as 250 million years. Its important to bear in mind that archosaurs didnt disappear when they evolved into dinosaursthey went on living side-by-side with their eventual successors for the remainder of the Triassic period, at least 20 million years. And, to make things worse, around this same time, other populations of archosaurs went on to spawn the very first pterosaurs and the very first prehistoric crocodilesmeaning that for 20 million or so years, the late Triassic South American landscape was littered with similar-looking archosaurs, pterosaurs, two-legged crocodyliforms, and early dinosaurs. South America: Land of the First Dinosaurs As far as paleontologists can tell, the earliest dinosaurs lived in the region of the supercontinent Pangea corresponding to modern-day South America. Until recently, the most famous of these creatures were the relatively large (about 400 pounds) Herrerasaurus and the medium-sized (about 75 pounds) Staurikosaurus, both of which date to about 230 million years ago. Much of the buzz has now shifted to Eoraptor, discovered in 1991, a tiny (about 20 pounds) South American dinosaur whose plain-vanilla appearance would have made it a perfect template for later specialization (by some accounts, Eoraptor may have been ancestral to lumbering, four-footed sauropods rather than agile, two-legged theropods). A recent discovery may overturn our thinking about the South American origin of the first dinosaurs. In December of 2012, paleontologists announced the discovery of Nyasasaurus, which lived in a region of Pangaea corresponding to present-day Tanzania, in Africa. Shockingly, this slim dinosaur dates to 243 million years ago, or about 10 million years before the putative first South American dinosaurs. Still, it may yet turn out that Nyasasaurus and its relatives represented a short-lived offshoot of the early dinosaur family tree, or that it was technically an archosaur rather than a dinosaur; its now classified, somewhat unhelpfully, as a dinosauriform. These early dinosaurs spawned a hardy breed that quickly (at least in evolutionary terms) radiated out to other continents. The first dinosaurs quickly made their way into the region of Pangea corresponding to North America (the prime example is Coelophysis, thousands of fossils of which have been discovered at Ghost Ranch in New Mexico, and a recent discovery, Tawa, has been adduced as further evidence for the South American origin of dinosaurs). Small to medium-sized carnivores like Podokesaurus soon made their way to eastern North America, then onward to Africa and Eurasia (a latter example being the western European Liliensternus). The Specialization of the First Dinosaurs The first dinosaurs existed on pretty much an equal footing with their archosaur, crocodile and pterosaur cousins; if you traveled back to the late Triassic period, you would never have guessed that these reptiles, above and beyond all the others, were fated to inherit the earth. That all changed with the still-mysterious (and little-known) Triassic-Jurassic Extinction Event, which wiped out the majority of archosaurs and therapsids (mammal-like reptiles) but spared the dinosaurs. No one knows exactly why; it may have had something to do with the upright posture of the first dinosaurs or perhaps their slightly more sophisticated lungs. By the start of the Jurassic period, dinosaurs had already started to diversify into the ecological niches left abandoned by their doomed cousinsthe most important such event being the late Triassic split between saurischian (lizard-hipped) and ornithischian (bird-hipped) dinosaurs. Most of the very first dinosaurs can be considered saurischians, as can the sauropodomorphs into which some of these early dinosaurs evolvedslender, two-legged herbivores and omnivores that eventually evolved into the giant prosauropods of the early Jurassic period and the even bigger sauropods and titanosaurs of the later Mesozoic Era. As far as we can tell, ornithischian dinosaurswhich included ornithopods, hadrosaurs, ankylosaurs, and ceratopsians, among other familiescould trace their ancestry all the way back to Eocursor, a small, two-legged dinosaur of late Triassic South Africa. Eocursor itself would have ultimately derived from an equally small South American dinosaur, most likely Eoraptor, that lived 20 million or so years earlieran object lesson in how such a vast diversity of dinosaurs could have originated from such a humble progenitor.

Saturday, February 15, 2020

Discuss why and in what ways young people have been treated Essay - 2

Discuss why and in what ways young people have been treated differently in the criminal justice system - Essay Example There are several reasons for treating younger people differently by the court of law. According to a leading researcher of United States National Institute of Mental Health; Jay Giedd, during adolescence the brain is not completely developed for making any kind of organizational or strategic decision making processes. Hence it is unfair to expect juveniles having adult levels of decision making or organizational skills. Human brains do not develop completely before 18 years. According to latest researches, it has been observed that teenagers are susceptible to surroundings. It is very clear that younger people have a sharp brain and they have the potential to learn things quickly compared to other age group people. Northern Ireland has a different and separate justice system for children between age group 10 to 17. Similarly many other countries have separate jurisdiction system for children and young people. It is believed that children and teenagers can obtain proper correction in rehab centres than in prison. Researchers have also mentioned that if young children are put to prison with adult criminals either they will become the victims in prison or else they will become worse depending on the surroundings they are exposed. This essay will discuss about the difference of criminal justice system and the reasons with respect to children. The public prosecution system and the police; both play important role during the execution of a criminal justice system. Police and prosecution system are responsible for providing substantial evidence before the court in order to prove whether a convict is guilty. In case of children the system and the procedure remains same however the liberty is more compared to adults. In many countries it has been observed that children and young convicts are allowed to speak in order to know their intentions. After the diversionary youth conference and the decision from PSNI in the year 2003, PPS have been given the

Sunday, February 2, 2020

Devolution - British Government Essay Example | Topics and Well Written Essays - 1000 words

Devolution - British Government - Essay Example Devolution is operated in United Kingdom in the very same manner i.e. the power and decision making authorities of its Parliament are transferred to the three main states of Scottish parliament, the National Assembly for Wales and the Northern Ireland Assembly. This came into being after a series of issues that started arising in early 1970s in the United Kingdom (Britannica n.d.). The people of Scotland and Wales demanded a separate parliament to run their states and policies. Therefore, a referendum was held by the Labour Party government and parties of Scotland and Wales i.e. Scottish National Party and Plaid Cymru, respectively (Britannica n.d.). Initially, this referendum was rejected but during 1980s and 1990s its need was aroused once more. And finally, the Labour government of Tony Blair proposed a devolution scheme in 1998 which offered the following authorities to both Scotland and Wales: A Scottish Parliament that will have hold on setting its own rules and policies and ta xation rates (Britannica n.d.). ... (HM Government 2013). was approved by both and hence both Scottish Parliament and Welsh Assembly came into being in 1999. Moreover, Northern Ireland Parliament was also implemented later on. In this way, the present states of Scotland, Wales and rest of United Kingdom shows granting of real â€Å"say over their own affairs† after this devolution (BBC 1998). This enables them to run their local affairs more effectively within strong Britain government. The effect of devolution on Scotland and rest of United Kingdom can be well explained by examining its consequences and relation of Scotland and United Kingdom after the devolution act. The devolution assigns certain reserved provisions which can only be administered by UK government. They are â€Å"U.K. Constitution, foreign policy, national security, fiscal policy, international trade policy, nuclear safety, social security, employment policy and health policy (Young 2001)†. Similarly, it assigns several devolved provisi ons which can only be administered by Scottish Parliament. They are â€Å"education, local government, housing, tourism, civil and criminal law, emergency services, economic development, agriculture, and sports (Young 2001)†. According to HM Government (n.d.), the state of United Kingdom provides devolution in such a way that the Scottish parliament is authorized to take charge and control its policy, health and educational needs. It grants full freedom to Scotland to devolve their policies reflecting their preferences (Devolution n.d.). In addition to this, devolution also provides mutual decision making in which Scottish Parliament and UK government makes decision by full collaboration. This results in better welfare of the people and society. It helps in providing

Saturday, January 25, 2020

civics :: essays research papers

What is Civnet? Civnet is a website of Civitas International for civic education practitioners (teachers, teacher trainers, curriculum designers), as well as scholars, policymakers, civic-minded journalists, and non-governmental organizations (NGOs) promoting civic education all over the world. Objective Any healthy, fully functioning democracy requires a political culture composed of active participants who understand what it means to be democratic citizens. Though there may be free and fair elections in new and emerging democracies, there might not yet exist a democratic culture; i.e., people may be unaccustomed to voting, running for elective office, understanding how their government works, seeking out different sources of information to make informed choices, forming advocacy and public-interest groups to influence political outcomes in a consensus-building, non-coercive political system, and creating voluntary organizations to meet societal needs not met by government or the commercial sector. "Civil society" may be thought of as the third sector, and a foundation on which free, non-coercive, democratic polities must rest. Moreover, well-established democracies often witness increased apathy, atomization, and a dilution in citizen participation and civic behavior, as civic values are not properly reinforced and are allowed to go stale. Therefore, civic education at the pre-collegiate and collegiate levels is vital both to newer and older democracies, to ensure that future generations of citizens understand the values, mechanisms, and skills necessary to develop and maintain a democratic political system. Accordingly, an international coalition of concerned academics and representatives of non-governmental and governmental organizations formed Civitas International association and helped establish Civnet to address these needs by raising the profile of civic education, promoting civic education on the agendas of government policymakers throughout the world, enriching the debate on teaching methodology, establishing teacher-training programs, creating and distributing civics lesson plans, syllabi, curricula, text books, and teaching materials, and enabling civic education practitioners to network and share information, ideas, and resources. In addition to teachers, educators, and policymakers, many believe that journalists also have a role to play in highlighting solutions and citizen success stories, rather than merely reporting on societal problems. While Civitas International has many activities to achieve these aims, Civnet is unique in that it provides an international electronic resource where teachers may instantly receive and download teaching resources, scholars may read articles of thought and opinion, and use Civnet's links to find a world of other civic Web resources, and civic educators may read what their colleagues are up to in Civnet news, network with their counterparts in other organizations, and learn about upcoming civic events on the Civnet calendar.

Thursday, January 16, 2020

Examine the Conditions Essay

Although one could easily isolate several specific variables that aided the parties rise, such as the failure of the GMD (Nationalist Party) or even The May 4th Movement, one must look at it more broadly to understand the bigger picture of the circumstances. When looking at this bigger picture, one can identify many key conditions under the political, social and economic aspects of the circumstances. Political may perhaps be the most abundant area of conditions for this particular analysis, as it contains the most aspects and conditions, and can be analyzed through a sort of timeline or chain of events. For example, one of the aspects prior even to the rivalry between the CCP and the GMD was the weakness of the previous government. Two examples can be seen here, both when the government failed to address the poverty and situation of the peasants (the huge lower class) as well as when the â€Å"Imperial government in China†¦ introduced a series of reforms†¦but they wielded too little political power† (IB Packet, 62). This goes to show the downfall of the previous government, which then lead to the 1911 Revolution. This revolution, also called the â€Å"Revolution of the Double Tenth,† was caused mainly by the scholar’s disappointment in the failed reforms, the â€Å"severe flooding and harvest failure in the south† (IB Packet, 62) and just general revolutionary conspiracy by the army. In 1912, this resulted in Dr. Sun Yatsen’s ruling of the newly created Republic of China. â€Å"On December 25, Dr. Sun was elected the provisional president of the Republic of China† (Leung, 52). The Warlord Era†, in turn, followed this, between 1916-1927. Yuan Shikai became president after Dr. Sun resigned, only to die 4 years later (1912-1916 was his rule), and â€Å"After Yuan died, the nation disintegrated into warlord groups and territories† (Leung, 59). During this time period is when the May Fourth Movement emerged, where 5000 students â€Å"held a huge demonstration against the decision†¦ to accept Japanese control of the former German concessionsâ₠¬ ¦Ã¢â‚¬  (Leung, 65). This movement was a huge success in that gradually, people no longer bought Japanese goods, Cao Rulin resigned, and no Chinese representatives signed the Treaty of Versailles. According to Chinese today’s historians, the movement was a â€Å"turning point between the modern and contemporary history of their country† (Leung, 67). Again during the Warlord Era was the â€Å"First United Front†, during which the GMD and the CCP fought together against the Japanese invader, only to see Chiang Kaishek (leader of GMD) â€Å"order a massacre of thousands of CCP members† (IB Packet, 64) in 1927. Manchuria, being a Chinese region, was full of agricultural products, opportunities and even mineral/natural resources. Ergo, Japan wanted to capture it, and this conflict led to a larger scale war, and by the end, â€Å"The war with Japan had left China exhausted and weak† (Leung, 99). Thus, this gave the possibility to the CCP (because they took more advantage of it) to rise and take power over the GMD. Thus, the social and economic aspects of China in the time period also had a rather large effect on China becoming ruled by a single party rule governed by Mao. In conclusion, political, social and economic conditions in China were altogether very responsible for the rise of the CCP. From the civil war (political) to the runaway inflation (economic) and even to the bad relations between the GMD and scholars (social), all these aspects make up what was to become Mao Zedong’s rule. Failures, mainly from the part of the GMD, also helped the CCP rise, such as the non-acknowledgment of the peasantry or even the failure to wipe out the CCP during the White Terror.

Wednesday, January 8, 2020

I Have A Dream Speech By Martin Luther King Jr. Essay

Activist and leader in the Africa American Civil Rights Movement, Martin Luther King Jr, speaks at the Lincoln Memorial to more than 200,000 people where he gives his famous â€Å"I have a Dream† speech, where he calls for the need of equal rights between blacks and whites. King’s purpose is to convince the American people that segregation is wrong and should be changed for future generations, encourage all African Americans into fighting until the end, and that segregation is wrong. He effectively achieves this through the use of many rhetoric’s to provide evidence that segregation and racism is not what America was built on. The 1950s through the 1970s were very harsh times for African-Americans due to the fact that they were not treated equally, just because of their skin color. During this time even laws protected these actions against African-Americans,for this reason Martin Luther King gave his I have a dream speech where he calls for unity and equality f or all African Americans. King begins his speech by comparing today as a day which will be remembered and will be known as the â€Å"greatest demonstration for freedom† (Para.1). He appeals to this comparison to get the audience excited, which worked, because there was applauses after King stated this. King uses historical documents like President Lincolns Gettysburg Address, and the Emancipation Proclamation, as well as the Constitution and the Declaration of Independence where he begins by stating that â€Å"Five yearsShow MoreRelated`` I Have A Dream Speech `` By Martin Luther King Jr.2027 Words   |  9 Pagescitizens to have equality. In 1863, the United States of America joined other nations by emancipating those in bondage. Slavery had begun it’s way out in the modern world. 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Martin Luther King Jr.’s I Have a Dream speech was very effective due to the use of metaphorsRead MoreAnalysis of Dr. Martin Luther King, Jr.s I Have A Dream Speech619 Words   |  3 Pages28, 1963, Dr. Martin Luther King Jr. delivered one of the most famous speeches of all time to an audience of more than 200,000 civil rights supporters on the steps of the Lincoln Memorial. In his, â€Å"I have a dream† speech, King addressed his encouragement of white and black people working together to achieve racial peace and harmony. He especially wanted to teach the young blacks that equality could be gained through the use of non-violence. The main reason King used nonviolenceRead MoreObservations On The s I Have A Dream Speech By Dr. Martin Luther King Jr.881 Words   |  4 Pages5 years ago, Martin Luther King, Jr. delivered his I Have a Dream Speech on the Washington Mall 47 years ago, and Mother Teresa was born a century ago. Monday: Katrina; Tuesday: I Have a Dream; Today: Mother Teresa After spending a great deal of time on and devoting a good deal of space to the two previous subjects in this series on recent anniversaries, 2005 s devastating Hurricane Katrina and the world-changing 1963 I Have a Dream speech by Dr. Martin Luther King, Jr., I had looked forward