CIBN Essay Example | Topics and Well Written Essays - 250 words

CIBN - Essay Example Admitting the importance of negotiability, the convention has made a difference between the statuses of holder based on the limitation of his rights. Hence, the rights of a protected holder are freed from claims and defences to a greater extent. The article 45 of the convention gives warranty for an instrument in the case of transfer that it does not bear any unauthorized signature and it has not been materially altered. The convention introduces many beneficial provisions. It permits an instrument to bear an interest at a variable rate in accordance with the provisions mentioned in the instrument and in relation to reference rates published. However, Uniform Commercial Code does not insist payment of interest unless it is an interest-bearing instrument. It also allows reference to a foreign exchange rate such as a bank exchange rate at a certain date in a certain place. The convention also allows payment in installments at successive dates. The convention has a provision to make pay ments in unit of value other than the currency.

The law of media publicity contempt is obviously broken. The problem Essay

The law of media publicity contempt is obviously broken. The problem is that there is no better system that might reasonably su - Essay Example A strict implementation of prohibition laws such as the 1987 Act tend to clash, however, with certain basic human rights such as freedom of the press and the right to information. On top of this, advances in communication technology and the advent of globalisation make it doubly hard for authorities to fully impose sanctions on recalcitrant press and bloggers. Nonetheless, it would be wrong to say that the UK law on media publicity contempt is totally broken and that there is nothing that can be done about it. On the contrary, the UK media publicity contempt system has proven to be comparatively effective than those of other jurisdictions and the present state of the law presents a more mature approach in balancing between freedoms and obligations. State of the Law Media Publicity Contempt English media publicity contempt is governed primarily by the Contempt of Court Act 1981. It is a strict liability rule that does not take into consideration intent as an element in finding a verdi ct of guilt or absence of it and applies to publications, which include speech, writing and all other form of communications, addressed to the public. The strict liability rule applies only in the following cases: when publications create substantial risk in the obstruction or prejudice of judicial proceedings, and; the proceedings are active, as defined in Schedule 1 of said law. Schedule 1 describes an active proceeding, whether criminal or appellate, as the period from the time of a proceeding’s initial steps to the time of its conclusion, with initial steps including the arrest of the accused without warrant, the issuance of a warrant of arrest, the issuance of summons, the service of indictment or similar documents or oral charge. The conclusion stage of a proceeding includes the acquittal or any other verdict, which ends the proceeding or the discontinuance of the proceeding or by operation of law.1 The British law on media publicity contempt arose out of the 1820 case of R v Clement 2 where the Observer newspaper was fined ?500 for featuring a series of report on an ongoing trial. The case involved the trials of Cato Street conspirators who were then charged of treason for conspiring to kill members of the British Cabinet. The Observer was faithfully detailing the trials to the chagrin of the Government who was trying to conceal its substantive and procedural lapses. The newspaper’s editor was charged and tried in absentia for contempt for disregarding a court gag order. His subsequent appeal, which was also heard by almost the same judges who decided against him in the lower court contrary to the principle of natural justice, was dismissed.3 Since 1931, however, a â€Å"scandalising the court† case, or a case where the charge involves bringing down the authority of the judge or court through an act or publication, has not been successful in this jurisdiction.4 The 1981 Act came about as a result of the European Court of Human Right s (ECHR) decision in the case of The Sunday Times v United Kingdom5 where the newspaper featured a series of reports about the drug thalidomide that caused women to give birth to deformed babies during the pendency of the negotiations of settlement between

Helen Of Troy Analysis

Helen Of Troy Analysis In this essay, we analyze and compare the icon of beauty, Helen of Troy in one historical source as well as one contemporary source. More specifically, we refer to William Butler Yeats poem, No second Troy and Wolfgang Petersens movie Troy. We compare the symbol of Helen in these two sources in terms of intertextuality, polyphony and ideology. In the following part of the essay, we first give a brief background of the ancient myth of Helen; then we compare the poem No Second Troy and the film Troy in three aspects; finally, we give a conclusion of our analysis and comparison. Background Helen, also known as Helen of Troy and Helen of Sparta, is a mythological figure in ancient Greece. Her myth finds its origin in the Mycenaean age and the name Helen was first shown in Homers poem. According to most prehistoric myths (e.g., Iliad and Odyssey), She was born in Sparta and was the daughter of Leda, queen of Sparta, and Zeus. Ovids Heroides indicates that Helen spent her youth in Sparta and had the classical physical education, such as practicing arms and hunting. When Helen came to her marry age, a number of kings and princes all over the world were enchanted by her beauty and sent in precious gifts to court her. In order to select an ideal husband for Helen without offending other suitors, Odysseus suggested to let all the suitors swear not to retaliate the chose one. In the end, Menelaus became Helens husband. After several years of their marriage, the young Trojan prince, Paris, came to Sparta for diplomatic reasons. Previously, Zeus asked Paris to claim the most bea utiful goodness and Aphrodite promised him the most beautiful woman. Paris then chose Helen of Sparta. Some historical sources state that Helen was abducted by Paris to Troy, while others claim that she was willing to follow Paris and to leave Menelaus. The abduction of Helen became the direct cause of the war between the Trojan and the Greek. The English dramatist Christopher Marlowe depicted Helen as having a face that launched a thousand ships. In Iliad, Helen actually regretted to run away and gradually discovered that her lover Paris was not as brave and capable as his brother Hector at all. The descriptions of Helen in the Trojan War were ambiguous and usually conflict each other. After the fall of Troy, Helen returned to Sparta and was back to live with Menelaus, as stated in Odyssey. Yet in the play Orestes, Helen left the mortal world and was taken to Olympus. William Butler Yeats (1865 C 1939) was an Irish poet, who was awarded the Nobel Prize in Literature in 1923. Yeats met Maud Gonne, an Irish nationalist in 1889 and ever since then, she became a major subject in Yeats poems. No Second Troy was approximately written around 1908 and it indeed refers to Maud Gonne. Troy, the epic war film directed by Wolfgang Petersen in 2004, was adapted from Homers great poem The Iliad. The film basically follows the story line in Iliad and re-presents the grand scenes in the Trojan War. It mainly features the characters of Achilles, Hector, Paris, Agamemnon, Menelaus and Helen. Analysis and Comparison Intertextuality Intertextuality refers to the relationship of one text to other similar texts, which shows the interaction among different sources. Both the film Troy and the poem No Second Troy are mainly based on the description of the Trojan War in ancient Greek myths and Homers Iliad, yet they all make adaptations to express different emotions. Yeats used the story of Helen as a background of his poem. The content of the poem is consistent to the mythology history in terms of its literal description that beauty causes a crucial war (Have taught to ignorant men most violent ways, With beauty like a tightened bow). However, in the original story, Helen was involved in the Trojan War and she regretted her decision when seeing so much death and sadness caused by the war. Since Yeats intended to compare the symbol Helen to Maud Gonne, Helens character in his poem was changed to fit in with Maud Gonnes personality. In Yeats poem, Helen takes initiative in the war and uses her beauty to her advantage ( Was there another Troy for her to burn?). The readers can clearly feel her determination and perseverance (Being high and solitary and most stern). Troys plot also has several obvious deviations from the book. Firstly, the Gods are not introduced into the film. While in Homers writing, the Gods actually played a key role in the Trojan War. For example, Poseidon supported the Greeks and Aphrodite was on the Trojan side to protect Paris. The omission of Gods makes the characters look more realistic thus become closer to our life and easier to understand; but on the other hand it cannot present a clear origin and history of each character. Secondly, in Iliad, later Helen discovered Paris cowardice when he dared not to fight to death with Menelaus and disgusted his behavior; while in Troy, the love between Helen and Paris was pure and sweet all the time. Indeed, Helen was even glad that Paris gave up fighting to save his life. Such adaptation is common in the context of intertextuality. These texts are built upon each other but they each serve different purpose and convey complex feelings. In our case, Yeats changed Helens character to show his sorrow caused by Maud Gonnes rejection and nationalism; Wolfgang changed Helens feeling for Paris to makes his character as well as their love more pleasant to the audience. Polyphony In music, polyphony refers to music consisting of different independent melodic voices. Borrowing this concept to literature, we define a text as polyphony if it organizes diverse points of view and voices. In No Second Troy, Yeats expressed both praise and criticism for Maud Gonne in the name of Helen. Before the poem was written, he had proposed to Maud for four times in total, starting from 1891, then 1899, 1900, and finally in 1901. Unfortunately, she refused to marry Yeats repeatedly. While Yeats was in deep sorrow because of his unfruitful love, he understood such behavior was rooted in Mauds nationalism and feminism (Why should I blame her that she filled my days / With misery, or that she would of late). Maud Gonne was a famous female revolutionist in Ireland. She wanted to resist British colonization and liberate Ireland; in order to achieve this goal, Maud took active part in campaigning for nationalism in Ireland. Maud is an unusual woman who does not want to enjoy in a pe aceful life with husband and children; she devoted herself to revolutionary activities in Ireland. It is her beauty as well as her determined character that attracted Yeats (That is not natural in an age like this, / Being high and solitary and most stern?), but her ardency in revolution also resulted in their lasting turbulent relationship, the source of Yeats sorrow. In the film Troy, the Trojan people, especially Priam and his royal families had mixed feelings for Helen as well. When Helen was first brought to the palace, Priam looked very kind and welcomed her warmly. Nevertheless, when later he was alone with Hector, he blamed him for allowing Paris to take her home. We can see that on one hand, as a father, he was glad to have such a gorgeous daughter-in-law; on the other hand, as the king of Troy, he did not want to see his country involved into a war. When they got married, the Trojan people gathered around to have a look at their beautiful princess; but later when the war b egan, Helen was blamed for all the subsequent death and sufferings. In reality, people usually do not have a pure and definite feeling for a person or some things, thus in literature, some works do not maintain a single voice and express opinions in several different angles. Helen is undoubtedly an icon of beauty, yet at the same time there are sins underlying such beauty; people also remember the tragedies induced by her. Ideology Ideology is one of the most important concepts in cultural studies. It represents a system of beliefs, and influence the way people think. Ideology forms the political and social relation in a society. The two sources in this essay show different ideologies in two distinct periods and places in human history. To understand Maud Gonne/Helens character in No Second Troy, first we need to review the dominant ideology in Irish society, which is based on conservative, capitalistic Christianity. Therefore, womens traditional role is defined as mothers and wives. They play a minor role in political and social activities, such as social reforming and the Irish revolution. Under this circumstances, Maud was an unusual women in her time (That is not natural in an age like this) and always bore a mind of resurrection; she was not controlled by the tradition in her society, but persisted in fighting for the freedom of Ireland and tried to stimulate high spirits among Irishmen. She cofounded the nationalist organization, Daughters of Erin and after turning down Yeats proposal several times, she married a fellow activist, Maj. John MacBride. In the movie Troy, the story of Helen happens in ancient Greek and Sparta. Its social ideology is indeed similar to that of Mauds society in terms of womens role. In the gender-stratified society at that time, women were usually powerless and can only subordinate to men. Helen, as an especially beautiful woman, was put in an even more disadvantageous situation, since her beauty was used by men and became her burden. Being a possession of men, she had no control over herself. In the movie, we can see that Helens destiny is much bound with the man she was with. In Sparta, Agamemnons rule resulted in a loose alliance since Achilles held a different ideology which is conflict to the dominant one and he always wanted to fight for his own. Under this fragile regime, Helen had a weak character and lacked conviction, thus she was easily persuade d by Paris to run away her husband and country. In Troy, Priams rule represents a good dominant ideology. People live in a harmonious society. During the war, Prince Hector encouraged his people to focus on the future of Troy instead of personal interests. In Priams family, Helen felt warmth, saw sacrifice and gradually she learnt to care for others. In history, womens personality is often defined by the political affairs at that time. In No Second Troy, Helen initiated the war and had clear aims; in Troy, Helen was involved in the war and failed to prevent the tragedy. Conclusion The two sources No Second Troy and Troy are both based on Iliad and other Greek myths about the Trojan War. The major story line is the same in both materials, with subtle changes tailoring to the audience and purpose of the material. The two works also show a mixed feeling for the character Helen. People admire and love her beauty but also regard her as the source a trouble in the terrible war. In addition, the figure Helen in Yeats poem and the film represents two opposite characters. In No Second Troy, Helen / Maud Gonne has a strong personality. She is open-minded, resistant, and unwilling to obey the tradition. In Troy, Helen is described as a subordinate to the men loved her. She is weak, following the flow and cannot take responsibilities. The two disparate personalities are mainly formed by the social and political status at that time. Although in both No Second Troy and Troy, women play a minor role in forming the trend of the society, Helen in Troy did not realize the right s of women and was totally helpless among mens politics and wars, while Helen in No Second Troy is not content to follow mens order and act as a good lady. Instead, she took her steps and fight for freedom for her people and country.

Buffalo Bill Essays -- essays research papers

Buffalo Bill   Ã‚  Ã‚  Ã‚  Ã‚  William Frederick Cody, also known as Buffalo Bill, was born into an anti-slavery family. He had a rough childhood, but despite this hardship he grew up to be an adventurous wild west showman, and achieve many historical goals.   Ã‚  Ã‚  Ã‚  Ã‚  On February 26, 1846, near the small town of LeClair, Iowa, William F. Cody was born to Isacc and Marry Ann Cody. At the time William had two sisters, Martha and Julia, and a brother, Samuel. But he ended up with three more sisters, Eliza, Helen, and May, and another brother, Charlie. In the first eight years of his childhood, William grew up on a farm his father owned and worked. During this time, William had plenty of space on the Plains to play with his brother Sam and his black dog, Turk. William also had some young Indian friends he met while on a picnic with his sisters. The Indians were trying to steal the Cody's lunch, but Bill stopped them and became friends with them. Besides picnics, young Will also enjoyed riding horses, having pretend Indian fights with Sam, and hunting in the woods. Sadly, Samuel died when he was thrown from his horse. Because of this, William not only lost a brother but he lost a very good friend.   Ã‚  Ã‚  Ã‚  Ã‚  In 1854 William, along with his anti-slavery family, moved near the city of Leavenworth, Kansas. This was not an easy move for the Cody family seeing how most of that part of Kansas was pro slavery. They were worried about this because earlier in Iowa a dispute about slavery between Isacc and his brother Elijah, led to Elijah stabbing Isacc. Luckily, he survived and nothing like this happened in Kansas. While in Iowa, Bill had received no education. After moving to Kansas he attended several sessions of country school organized by his father. In the two and a half months he attended, Bill learned to read and write which would help him in his future careers.   Ã‚  Ã‚  Ã‚  Ã‚  In order to help his family after his father's death in 1857, William took his first job working for the firm, Russel Majors & Waddel, making wagon- train trips across the Plains. It was rough, but William enjoyed these frequent trips. Later, Will road for the Pony Express when it was established in 1860, and was a scout and guide for the Union Army.   Ã‚  Ã‚  Ã‚  Ã‚  When the Civil War started in 1863, Bill... ...g buffalo in his show and raising them on his ranch, Bill helped save them from possible extinction. Buffalo Bill's Wild West Show also offered Indians employment at a time when their opportunities were few, and many of them, for the first time thus learned of a world beyond the limits of their villages.   Ã‚  Ã‚  Ã‚  Ã‚  After 1894 Cody lived on a ranch in the Bighorn Basin in northwestern Wyoming where he raised buffalo. He also founded the town of Cody where he built the Irma Hotel, named after his daughter, which still stands today.   Ã‚  Ã‚  Ã‚  Ã‚  On January 10, 1917, near Denver, Colorado, the wild west legend, Buffalo Bill Cody, died. His grave is located on Lookout Mountain, near the town of Golden, Colorado, and can be seen by tourists.   Ã‚  Ã‚  Ã‚  Ã‚  Buffalo Bill Cody was very important to the west. Even though he made the mistake of killing thousands of buffalo, he realized this and made up for it by repopulating and raising buffalo. Cody was lucky in some aspects; one was living in the wide open Plains. William Frederick Cody should be remembered as a wild west legend who showed what life was like in The Great Plains of America.

Biography of Nelson Mandela

Nelson Mandela was a very influential man in the South African society. Throughout his life he had his ups and downs. He went from being in jail for life, to being the president of South Africa. In his life he had one dream and goal, which he never gave up on, even when he was faced with extreme adversity. Rolihlahla Mandela was born on July 18, 1918 in a village near Mthatha in the Transkei, called Mvezo, to Nonqaphi Nosekeni and Henry Mgadla Mandela. When his father died in 1927, Rolihlahla became the ward of Jogintaba Dalindyebo, the Paramount Chief, to be made to assume high office. Rolihlahla dreamed of playing his own part in the freedom struggle oh his people from hearing the elder’s stories of his ancestor’s valour during the wars of resistance. Soon he was going to school to get an education at a local mission school, and soon he was given the name Nelson. Soon he was sent through many schools through the years and enrolled at the University College of Fort Hare, and there he got his Bachelor of Arts Degree. At the end of Nelson’s first year at college, he started to become involved in a Students’ Representative Council boycott against the university’s policies, and soon he was told to leave Fort Hare and to not come back unless he accepted election to the SRC. Nelson Mandela grew up in a system of Apartheid. The whites were treated as the best race of all. Also the white are the ones who led the government. In South Africa, whites were considered a minority. Throughout Nelson’s life, the black people were treated worse than everyone else. Growing up Nelson Mandela could only go to schools for the blacks. Apartheid was developed after World War II by the Afrikaner-dominated National Party. The racial groups were classified into four, Native, Asian, coloured, and white, and residential places were segregated, sometimes by means of force. The government segregated, medical care, beaches, education, and other public services, and the government gave the blacks worse services and the whites better services. Nelson spent his whole life trying to change this racial segregation. Nelson was in a group of 60 people called the African National Congress. He was a leader with William Nkomo, Sisulu, Oliver R Tambo, Ashby P Mda. The group set themselves to the task of creating this group into a mass movement. Soon they formed the African National Congress Youth League. Nelson impressed everyone with his hard work and was elected as the league’s National secretary. The group soon set out to try to change how the government was working and the laws of apartheid it was putting on the people. The African National Congress launched a campaign for the Defiance of Unjust Laws. Nelson was elected Volunteer-in-Chief, and travelled the country organizing resistance to discriminatory legislation. This Campaign was determined as defiance and Nelson and 19 others were brought to trial. Nelson was charged of contravening the Suppression of Communism Act and given a suspended prison sentence. Soon after the end of the campaign, Nelson was also not allowed to attend gathering and had to stay in Johannesburg for six months. Nelson still led resistance movements, against the government. During all of the ‘50s, Mandela was victim of many forms of repression. He was arrested, imprisoned, and banner. On March 1956 a five year banning order was enforced against him. During the whole of the ‘50s, Mr Mandela was the victim of various forms of repression. He was banned, arrested and imprisoned. A five year banning order was enforced against him in March 1956. The government was paying a lot of attention to Nelson and had to move from place to place to not be detected by the all of the informants that the government had and all the police spies. To evade detection Nelson had to have a number of disguises ranging from a laborer, to a chauffer. Nelson soon spent some time abroad for several months. When he returned to South Africa, he was charged with illegal exit of the country, and incitement to strike. Nelson decided to be his own defense in his trial. One thing he said in the trial was, â€Å"I detest racialism, because I regard it as a barbaric thing, whether it comes from a black man or a white man. † He lost his trial and was sentenced to five years in prison. When Nelson was brought back to Pretoria in July 1963 he encountered Thomas Mashifane. He then knew that their hide out had been discovered by the authorities. Nelson and ten other were then charged with sabotage. The trial in court for them lasted for 8 months. At the end of Nelson’s statement he said, â€Å"I have fought against white domination, and I have fought against black domination. I have cherished the ideal of a democratic and free society in which all persons live together in harmony and with equal opportunities. It is an ideal which I hope to live for and to achieve. But if needs be, it is an ideal for which I am prepared to die. † All but to of the accused people were sentenced to life in prison. There Nelson was faced with many prisoners and prison warders who influenced him, and he also influenced them. While he was in prison, Nelson rejected all the offers made by his jailers for a shortened sentence as long as he accepted the Bantustan policy by recognizing the independence of the Transkei and agreeing to live there. Nelson was released on February 11, 1990. He then set out wholeheartedly, wanting to complete the goals he and other tried to do years ago. After being banned for decades the African National Congress had its first national conference. Nelson was elected president while his great friend Oliver Tambo was elected as the organizations National Chairperson. Nelson Mandela was awarded the Nobel Peace Prize on 1993, after his life that symbolizes the triumph of the human spirit. He was awarded this on behalf of all South Africans who suffered and sacrificed so much to bring peace to South Africa. The era of Apartheid ended on April 27, 1994. Nelson voted for the first time in his life then. After all his ups and downs, and all the adversity he faced, Nelson Mandela was inaugurated as President of South Africa.

Financial Management for Young Adults Essay

High credit card debt and student loan repayment have been seen to cause inconveniences to the young adults just because of lack of proper preparedness and awareness, when it comes to dealing with such matters of financial management. (Giuseppe, 2012) tells us that mental health professions perceive money to be corrupting people and that it is not right to have too much of it. With adequate management skills, this statement could be turned around such that the available money is used to help the young adults in managing their finances, however little or much and getting out of the hook of high credit debts and other similar situations. Kapoor, 2011) explains how appropriate knowledge, skills and decision making abilities are key essentials in managing finances. Starting from a tender age, matters of money management can be taught at school and the students will tend to learn more as they proceed to other higher grades. Influence from parents is also seen to be important as it can be a determinant factor in wooing the children to managing their finances correctly. Other innovative activities can also be used to make sure that these young adults know how to go about money issues. We see how awareness can help improve the situation of our young adults as it helps them to be well equipped in dealing with any of such debt issues. Other loan repayment organizations such as America’s Debt Help Organization have played an important role in helping young adults deal with debts and loan repayments. All that one needs to do is to register with such organizations and table your urgency to them. The better part is that, they are available online and anyone can connect to them from any part of the world. Understanding Financial Management  Financial management is the planning, organizing, directing and monitoring the manner in which you use your finances. The elements of financial capability and how it impacts on life successes especially on young adults are based on certain conditions as reported by Soyeon & Joyce (2011) (i) Financial socialization whereby parents are the determinant factor in helping their children to being financially capable adults. The young adults tend to listen to their parents more than even how they pay attention to their teachers at school. Every child believes that their parents are always right and they cannot instill in them something of no value but will strive to give them the best. Once they buy the idea, then they would start looking at financial management positively and this will continue to uplift their awareness regarding finances. (ii) Cumulative education which emphasizes on the ongoing learning education at school. This can impact financial management skills to the young adults who are still at school and enable them to know more about finances. This will also reduce the chances of incurring unnecessary credit card debt, but increase their knowledge in money savings. With this, they will be aware of the benefits of accessing basic necessities like rental housing, savings accounts and other important needs in life. Starting to teach these young students as early as possible will help them grow with the information at heart and even influence how they will manage their finances later on in life and throughout their lives. Starting early also gives them ample time to grow and know more about finances as they develop from stage to stage. Soyeon & Joyce (2011) explains that if young adults are exposed to ongoing financial education, then they gain more financial knowledge and this is found to increase their financial responsibility and behavior when still young, thereby shaping them to be responsible adults later on in life. All these aim to raise self awareness and positive behaviors towards financial management for the young adults. Recent studies have proved that if key financial education concepts are introduced early in school, then that foundation continues to be built consistently (Mansfield & Pinto, 2008). Opportunities where young adults practice how to manage their money could also be done through innovative learning and this could serve as a platform to start financial management skills. With this, they would have learnt physically and be in a position to handle any concepts while still at school. Concepts like simulation would enable students interact with various financial products and services and this in turns sharpens their decision making skills due to effectiveness and improved retention. Parents also play an important role in mentoring these young adults and hence discussion topics on finance management should be encouraged at home, to enable them fully understand these concepts. Parents are more influential as a resent research from Arizona Pathways to Success for University Students found out. The nature of relationship between parents and children are becoming peer-like and that, the value of their relationship continues to grow as a result of this (Serido, 2012). Parents are active in supporting their children in other academic projects and learning in general. This attitude should be extended to help nature these children in matters of financial management such that even as they grow, they know that finances is part of them. Personal financial management is one area that needs planning especially for young adults who are still in school and even for those who have just completed schooling. If personal finances are well planned, it leads to accomplished goals such as settling school loan repayment. Distinguish between the short and long term personal financial goals and know which one to prioritize (Madura, 2010). School loan repayment plan could be categorized as long term as compared to setting an emergency fund. With an estimate of how much you expect to save, you will be getting clearer perception of your financial goals. (Madura, 2010), Financial goals should be realistic. Don’t deceive yourself or be over optimistic as this may lead to disappointment. Or rather, dream of what is within your reach as a young adult and work hard, in order to achieve it. You can even be involved in part time employment where you can get small savings and later plan with it. Determine the type of action you take in setting up your financial goals. Kapoor (2011) says students have many different financial goals, but none are more important than having a basic understanding of financial issues and peace of mind with regard to their decisions. The ultimate goal of Focus on Personal Finance is to get students to this point as a first step to achieving the many financial goals they have set for themselves. Once these goals are set, you will be able to manage yourself such that if you want to reduce credit card debt, you automatically reduce the use of credit and this, will help lessen the burden of unnecessary debts. Everything set within a time frame will also help one achieve his or her goals as planned. Working with time enables one to be on his or her toes and limits prolonged loan repayment, which could accrue more interest as compared to limited time frames. Causes of poor Financial Management Lack of proper financial skills and knowledge are the major causes of poor financial management among the young adults. (Torabi, 2010) guides the young professionals to take control of their money in order to learn how to live independently with more comfort. Schools do not teach young people about personal finance. Therefore, if respective organizations could come out and take this matter into their hands, then the young could have direction about personal finance. As regard to parents, they do not know how to enlighten their young adults about money and managing finances. This has been the major cause of financial management problem because these young adults do not get substantial training and skills concerning money issues. The other problem results from more complex financial marketplace, because most of the young adults do not know where to turn to when looking for savings providers and other financial products and services. As explained by Mansfield & Pinto (2008) that financial literacy of high school students is very low as neither parents nor teachers are showing them the way on how to manage their finances. This puts the young adults at a difficult point when need arises and they have to settle their debts by themselves. More so, when one is starting his or her own life, it turns out that they are not sure of what to do whenever they are faced with challenging budgets. Organizations which deal with issues of money management should work hard towards providing guidelines and enough resources on financial decisions, to help boost their knowledge on financial management. Various lessons can be used to help the young adults be able to utilize their finances in a more effective manner, in order to evade the high degree of debts which at times are not easy to pay off. Solutions As a worrying trend, it is necessary to involve students at school into programs that can help them deal with financial obligations, so that the issue of coupling with high debts is minimized. Mansfield & Pinto (2008) explain credit card knowledge and how many students do not know the concept of their credit cards. Several precautions can be taken to enable these young adults manage their credit cards and avoid unnecessary debts. Keeping a credit card active will help you score numerous points. It is reported that, registering for mobile alerts helps one to monitor his or her credit card transactions and helps one to have the necessary information when need arises. (Madura, 2010). Dealing with debt is not so comfortable especially for the young adults. It would therefore be advisable to always use a debit card if one wants to avoid debts. This will enable one to get used to using a debit card which is the better option, in respect to handling their finances well without getting into unnecessary debts. It is advisable to be involved with debts only if you have clear means and plans of refunding it back without too much strain. Otherwise, it is a wise idea to operate without debts so as to limit the chances of overspending. Savings is another solution which the young adults can opt for, as Torabi (2010) encourages the young to be realistic and prepare for risks which occur from time to time. These savings are crucial in cases of emergencies, especially for young adults who want to start life and live independently. By this, they will have an easy time in managing their finances and taking control of the unexpected. Saving is also regarded as the first step into investments because it gives you the chance to keep some money aside to be used for emergencies, or for other better things other than the usual spending. One can either have the option of operating a savings account or money market account. These enables one to access money whenever he or she needs it and at the same time, earns interest. This is a cheaper option as there are usually no fees if you decide to keep a minimum balance which keeps it in operation. Partnering with certain banks is another solution to curb the rise of financial management illiteracy among the young adults. In here, collaboration of schools with credit unions and banks have seen the young take a positive stand at working out their financial obligations while managing such accounts (Giuseppe, 2012). They learn more from school financial education and become more conversant with financial products and services, as they would have known and learnt financial skills from a more practical point of view. Joining non school based learning also enables these young adults to have ample time for financial discussion, whose norm is taken away from the normal setup of a classroom. These groups have continued to enlighten the young adults and encourage them on matters of managing personal finances (Mansfield & Pinto, 2008). Financial to the youth has now been made possible and understandable, especially through tailored programs and other means of learning which can are easily accessed by students. Financial entertainment through online is the next criteria in dealing with financial management illiteracy. This has provided a chance for the young adults to participate in online training, mobile gaming and other interesting methods through the network. Young adults can also settle for loan repayment programs which will help in eliminating some or all of the student loans. This move could see young adults start their independence lives with less burden and debts. Unfortunately, many graduates are not aware of such schemes as explained by Giuseppe (2012) and this is the point where respective organizations should come in to help elevate the burden of school loan repayments and debts. These programs give additional funds to the young adults, which they can then use to resettle their school loans in good time. Young adults do not have to wait until they are through with school to start looking for employment. There are part time jobs that can help subsidize these loans to avoid having a huge junk when you are through with schooling. Several researchers have explained how there are a rise in students who work part time in order to meet their financial obligations, as compared to the previous years when almost every student was a full time based student. This explains why young adults must quickly develop financial decision making skills to manage other responsibilities that arise from today’s changing economic landscape, as we are told by Serido (2012). Working and studying at the same time may not be easy but what matters is the long term financial gains that result from it. This trend however, can help in clearing your school loan faster enough and get time to start your independent life once you are through with schooling. If everything works out as planned, within the stipulated time frame, then it is worth the effort of studying and working all at the same time. In such a scenario, we find out that time is well utilized and at the same time, one moves on quite quickly as compared to studying, then looking for employment later on. For those who want to start living independently, and are in dire need of various assets, could go for a compensation package at their workplace. It was realized that some companies cannot pay huge salaries but just offer low wages in exchange for your loan repayment (Torabi, 2010). In this way, you as an employee will benefit as your loan will eventually be paid while you get some salary as well. The employer also benefits as he or she spends less in salary payments. This idea works best when brought up during salary negotiations so that, the employer is well informed and knows that you will be committed at the work place for as long as there is an exchange for your student loan payment. Conclusion As reported by Soyeon & Joyce (2011) that today’s youth financial security rests on one’s own shoulder. This implies that it is personal responsibility for the young adults to make sure that their financial practices bring forth better results for tomorrow. This process is gradual and the earlier one starts to organize him or herself, the better. Awareness has been a hidden tool for most of the young adults but with more light on the table, these people are being enlightened on ways to manage their finances and know how to handle tough cases like debts. Parents are not to be left out in the entire process of preparing their children to be good managers of personal finance. Information is the key and the more these young adults keep on searching for information about money matters, the more they learn how to deal with personal finance management and how to avoid unnecessary debts and the like. It is our obligation as policy makers, teachers, parents and the rest to know the value of financial management and how it influences our daily life. A recent study by CFPB office of financial education policy, April 2013, encourages states to consider adding to the list, experiential learning to help equip our young ones with proper management skills, so as to enable them be better managers of their own personal finances. Understanding financial options should be another priority in trying to evade high paying loans. Less expensive loans could give these young adults an easy time in paying back, as compared to private or alternative student loans. A longer duration of payment could also enable these young adults to offset their debts as they will be able to budget with the little they have, instead of paying huge chunks of cash and being left with nothing to support themselves. Literacy to students alone may not bring the kind of impact that is needed. Having to extend financial literacy education to the students’ parents could help the society reach higher grounds, in matters concerning loan schemes and repayment. Campuses may not want to consider financial management education sessions for both incoming students and their parents during orientation. Resources which are available online could serve as a great tool in helping the parents understand and learn what they need to know about financial management and its impact on their children. Both online and class-room based learning have enabled the young from far and near, to learn more about finances and even choose their convenient time. This impact has been felt and even the degree of awareness has started to rise, as many young ones now have a hint on how to manage their finances.

labor demand essays

labor demand essays In light of the limits that have been placed on this answer I will only focus my comments on the demand for labor and on the other hand the supply of labor. First the demand for labor. This is to me by far the most interesting aspect of the course. Labor demand is derived from the firms desire to maximize profits. This is a basic assumption of labor demand. Will the firms continually try to make changes that will improve the profitability of the firm? We assume that yes they will. Firms are basically price takers. Now their main decision is what quantity of their product to produce. This is because as they hire more people they basically increase output so the decision hire more people and the decision to produce more are basically the same decision. The optimal output will equate marginal revenue with marginal cost. Marginal revenue is the product price in a purely competitive market. Marginal cost is therefore the cost to produce that unit. MPl is the change in output of the firm. What happens when a firm decides to produce more? They must hire more labor assuming that capital remains constant. If a firm could continuously hire more peole and increase their MRP then we would live in a utopian society with no unemployment and peace and happiness everywhere. But alas we live in a world with diminishing returns and as the firm highers more people it reaches a pont where each new person costs a little more when compared with their output then the person hired before them. A good example of this is digging a hole 4 feet by 8feet by 6feet . One person would do it in about half the time that two people could do it. But three people would not do it in one third of the time. This loss in efficiency is what I am talking about. In fact soon you couldnt fit all of he people into the hole and it would be so cramped that it would atually take longer to finish the hole. If this happened then they would have a negative ...

Custom Essay Paper Writing (Page 17)

Custom Essay Paper Writing (Page 17) Report Writing Help is Here for You Report writing is an integral part of studying process of any person, and unfortunately, this task is not simple to accomplish. In order to fulfill this task, you have to possess definite writing skills. If it is not difficult for you to write the report, you are a lucky person; however, far not all the people have such a talent. Writing the report is a real torment for the majority of students, and at this point, report writing help is here to save their Continue reading Psychology Papers Psychology Papers: How to Make Them Good? There may be different kinds of psychology papers that you may be provided with if you study psychology. 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What Is a GED Should You Get One

What Is a GED Should You Get One SAT / ACT Prep Online Guides and Tips If you don't have a traditional high school diploma, you can still earn an equivalent credential by getting your GED. But what is a GED? Basically, it's a credential that can subsitute for a high school diploma. Since most employers (and all colleges) will require you to have graduated fromhigh school, it's usually a good idea to get aGED if you don't complete high school. Doing so helps to ensure thatyou'll have access to more opportunities later in life. In this article, I'll go through what GED stands for, the advantages this credentialcan give you, and how to get your GED. What Is a GED? How Is It Different From a High School Diploma? GED is an acronym that refers to the General Educational Development Test. The test measureswhether students possess the academic skills equivalent to those of graduating high school seniors. People who dropped out of high school initially, but are concerned about their prospects without a diploma, often take the GED Test. The four content areas that comprise the GED Test correspond to the four most prominent core subjects in high school: Reasoning Through Language Arts Mathematical Reasoning Social Studies Science This is a recent change instituted in 2014 (there used to be five subject areas, with Reading and Writing as separate tests).The test has been updated from the 2002 version to require a deeper understanding of the material and more advanced reasoning skills. If you pass the GED Test, you will earn a GED credential, which may be a diploma or certificate depending on the state.A GED certificate or diploma is technically considered just as valid as a regular high school diploma.However, some employers and colleges will favor students with high school diplomas over those with GEDs because of the skills each measures.Since you can earn your GED by taking one test (well, a series of tests, but I'll get to that later), it may not be seen as an indication of your academic perseverance on par with a traditional high school education. If you’re still young enough (usually under the age of 20, although policies differ across states) that you have the opportunity to go back to high school rather than get yourGED, I would strongly recommend trying to complete your course of study so you can earn a regular diploma.Still, it’s better to have a GED than no degree at all, and with recent changes to the test to make it more rigorous, it might be viewed differently in the future. Who can tell what the future holds for any of us? Does free will exist? Is life just a circular hallway where all exits lead to the unfeeling void of eternity? Ok, back to the GED, sorry. Will You Be Able to Get Into College With a GED? According to the College Board, 95 percent of U.S. colleges and universities will accept GED graduates who meet their other qualifications for admission. Some examples of the few colleges that don't accept GEDs include Fairfield University, Sewanee – University of the South, and Bowdoin College.Keep in mind, though, that many colleges require students to submit results from the SAT or ACT, and they are looking for a well-rounded application that includes a good GPA.If you dropped out of high school relatively early, you might not have a ton of information to put on your application.For this reason, many people who earn GEDs start out at community colleges or technical schools and transition to four-year colleges after a year or two. It can also be tough for students with GEDs to acquire the study skills needed for success in college because the test doesn’t prepare them for more in-depth assignments and long-term projects.If you had problems keeping up with assignments when you were in high school, you might want tothink about how you can revise any bad study habits you had in the past before you enroll in any competitive college programs. You should also know that college financial aid is just as readily available for students who have earned their GED as it is for traditional high school graduates, depending on your needs. You could benefit from using a planner in college if you're not the organized type (although personally I'm so disorganized that I forget to write things in planners, so that might be a problem). How Can You Earn YourGED? You must be at least 16 years old to take the GED Test, and you must not be enrolled in high school.You should also meet state eligibility requirements for the amount of time you’ve been out of high school.In some states, you have to be out of high school for at least 60 consecutive days before you’re allowed to take the test. Contact the program administrator in your state for more details. You must pass all four subject tests in the GED battery of tests, which means scoring at least a 150 on each test (scores range from 100 to 200 on the 2014 version).A score of 170 on each test is the benchmark for college and career readiness, and you will receive an Honors distinction if you reach this score.The four tests take seven and a half hours total and are administered by computer. You don't have to take them all on the same day, but some states enforce specific time frames for completing the tests.All questions are multiple choice except for one essay question on the Reading Through Language Arts test, one essay question on the Social Studies test, and two short answer questions on the Science test. If you don’t pass a test the first time around, you can retake it,although different states have different requirements for people who need to retake GED tests (such as additional fees or proof of attending a preparation class).Testing accommodations are available for those with disabilities; you can sign up for them through your online account after you register.You usually have to pay to sign up for the tests, but the cost varies from state to state. After you take each test, you willreceive your scores within24 hours.Here are some more details about the score report. Once you complete all four tests, you'll earn your GED in an elaborate ceremony where you must construct a giant pie chart that symbolizes your accomplishments. How Can You Prepare for the GED Test? You can call 800-62-MYGED (800-626-9433) to get referrals to local GED prep programs and testing sites along with more information and study materials.You can also sign up for an account on the GED website to register for the test and get access to practice tests and other materials that will help you prepare. Make sure to do some review if you’ve been out of school for a while and you think your skills might be rusty.Here’s a link to some free practice tests in both English and Spanish that you can take right away.According to the information on the GED site, most people manage to pass the test and earn their GED certificate or diploma within three months, so it doesn’t have to be a super long process! Should You Get Your GED? You still may be wondering whether it's really worth it to get your GED as compared to other options. In comparison to no diploma at all, it's a good idea to earn a GED. As I've mentioned, you'll have access to many more opportunities in life, and you may be able to continue your education further.You could also get your HSED or High School Equivalency Diploma, or you could choose to go back to high school if you're still young enough. In comparison to a regular high school diploma, a GED will make you look slightly less qualified to some employers and colleges. If you have the ability and opportunity to do so, I strongly recommend going back to school and finishing your courses. If this isn't an option for you, you could also consider earning a High School Equivalency Diploma instead of a GED. The HSED has a couple of additional requirements, but you'll still have to take the same tests as you would for the GED in most states. The HSED is accepted by a slightly larger range of employers and colleges, although it probably won't make a huge difference in your prospects as compared to a GED. A high school education is vital if you want to be eligible for most professional jobs and all colleges. Even if you didn't finish high school as planned, earning your GED will show that you are as qualified as other high school graduates for a wide range of opportunities in the future. Put up a new road sign on a highway called YOUR LIFE. What's Next? Are you concerned about the costs of higher education? Read our practical guide detailing the best ways to save money for college. If you or someone you know is juggling a college education and the responsibilities of raising a child, you should check out this list of great scholarships for moms and single mothers. You also might qualify for a federal Pell Grant if you need help managingthe costs of college. Find out if you're eligible here. Want to improve your SAT score by 160 points or your ACT score by 4 points?We've written a guide for each test about the top 5 strategies you must be using to have a shot at improving your score. Download it for free now:

The Divergence of U.S. and UK Takeover Regulation Essay

The Divergence of U.S. and UK Takeover Regulation - Essay Example In the article, there is a big difference in takeover regulation of companies in UK and US. The law of Delaware in the United States provides a peaceful condition in which the ruling board is given the mandate in the decision making of the type of tender to be issued. On the other side, United Kingdom uses a defensive tactic by targeting the ruling board. This tactic prohibits the management from interacting with other management in a peaceful manner. However, during the takeover regulation in the US, the court usually decides over tender and offers the rules concerning it. On the contrary, UK lawyers disappears when the hostile bidders launches their bids. By the use of this tactic, the UK were able to private their regime through the institutional inventors of which their counterparts could not. Though both the American and English system of corporate governance has different features, they share ownership. The hostile tactic of takeover gives priority to function as a disciplinary instrument undertaken by the management. Nevertheless, both possess different rules and regulations governing the takeover battle. Finally, the difference in approach between US and UK is relevant as it provides education leading to enhancement of the economy of the entire

Teenage pregnancy Research Paper Example | Topics and Well Written Essays - 1500 words

Teenage pregnancy - Research Paper Example Previously it was believed that teen pregnancies are usually because of socio-economic factors, lack of sex related services and decreased contraception but nowadays this view is challenged by many as all these aspects have been overcome by the growing society (Kost et al 2010). It is a belief that the economic burden that is passed unto teenagers who become pregnant can put a significant strain on the possibility of a brighter future. Moreover, it could be argued that abortion can help alleviate a cycle of poverty in women who themselves are the result of teenage pregnancy. Therefore, abortions are the answer for a pregnant teenager in view of her health, future and career. Different Views on Abortion Smith (2001) carries out a study to explore the negative and adverse effects of teenage pregnancy in the form of premature delivery and stillbirth. The study is carried out in order to understand the adverse perinatal outcomes in teenage pregnancy cases. Teenagers are at a lower risk o f unhealthy outcomes when given 1st birth. Moreover, the risk of caesarean is also loweramong teenage mothers in the first delivery. However, Smith (2001) reveals that second delivery of a teenage mother is highly risky in terms of caesarean and premature or still birth. There is an increase in the teenage pregnancies between the years 2005 and 2006 by 3% (Lewin 2010). The teenage abortion rate has also been increased by approximately 1 percent from 2005 to 2006. These increasing rates are related to the struggles made by government in order to curb this issue. The "abstinence-only programs" supported by Clinton's government are called into question. However, the pregnancy rates are significantly lower in 2005 at 69.5 as compared to 116.9 in 1990. The only issue that is gaining increasing attention from the opposition is the increased rate in 2007 of 71.5 in 2006. Lewin (2010) forms an opinion that Blacks, Hispanics and Whites are all showing increasing trends on teenage pregnancies in the recent years. Teen pregnancy is generally believed to be harmful by many for not only the pregnant woman but also for the baby. Teenage pregnancy can pose health risks to the baby because the teenager woman would not be capable enough to take care of the baby at such a tender age. Similarly the teenager woman would also not be able to support her child financially and thus this would disrupt safety and life plans for the baby. The only way out of these issues to teenagers is abortion. This interruption in pregnancy leads to increased risk of breast cancer among the teenagers (Melbye et al. 1997). The study suggests that the breast cells are proliferated quickly without following the normal procedure which protects the health of the woman. There are certain positive aspects of teenage pregnancy and motherhood which keep the trend going. Seamark (2004) provides a valuable study in this regard by interviewing teenage mothers to evaluate their experiences of having children at a n early age. The responses were quite positive as the teenage mothers tend to be positive in their perceptions, goals and feel more motivated towards their aims by the responsibility of their children. They show a positive attitude towards the busy yet ambitious life to protect and help the children grow healthy and contented (Seamark 2004). The teenage pregnan

Juvenile Delinquency and Justice Assignment Example | Topics and Well Written Essays - 750 words

Juvenile Delinquency and Justice - Assignment Example Some of the defining movements and legislation in the 20th century were aptly presented in the National Criminal Justice Reference Service (NCJRS) online published report that enumerated the following: firm conformity of the Parens Patriae which claimed that â€Å"the State has both a right and a responsibility to intervene in family life and assume the task of rearing a child if the family is unable to do so. It has roots in English Poor Laws, which empowered the State to separate poor children from their families and place them in apprenticeships†; Parental Delinquency Laws which holds parents liable for apparently being significantly contributory to the delinquency of their children; institution of Due Process; and conditions and stipulations explicitly outlining Exceptions to Due Process. Likewise, also during the 20th century was the Juvenile Delinquency Prevention and Control Act (JDPCA) of 1968 instituted to propose handling on non-criminal juvenile cases out of courts; while the Juvenile Justice and Delinquency Prevention Act of 1974 was designed to deinstitutionalize â€Å"status offenders and nonoffenders as well as the separation of juvenile delinquents from adult offenders''. Likewise, there was the need to create the dependency court to ensure that juveniles are protected from being maltreated. It was likewise emphasized that â€Å"as juvenile court legislation was transformed in the delinquency context to provide procedures to satisfy the Gault requirements, the dependency court was left to continue its parens patriae jurisdiction over children and families†.

Legal & Ethical Case Studies - elementary school Study

Legal & Ethical Studies - elementary school - Case Study Example A principal is not allowed by the law to terminate a contract without the evidence of wrong activities that prompted them to terminate the teacher’s contract. These activities include insubordination against educational rules, moral misconduct and insufficiency, and incompetence at work (Manos, 2006). In the case where by the principal and district officers terminate a contract, they should provide a written document detailed with reasons for termination in a period more than six months before the termination date. They should also conduct an impartial hearing before the board and school’s panel. In this case, the teacher was proactive and used advanced teaching methods but the principal dislikes these methods. In accordance to leadership ethics, the termination was not important (Manos, 2006). Question # 2 Conflicts do arise in school premises among students especially in the urban life where alcoholism, sexual harassment, and drugs among other misconducts take place. When a student is badly injured like in a case where a student lost his front teeth with the teacher and classmates witnessing the act, legal measures should take place. The action by the principal in sending the perpetrator out of the school was correct, but it was not enough punishment. The student ought to have been charged with felony violation or fines at the juvenile court. This extended punishment would have acted, as a lesson to other students to adhere to the zero-tolerance policy (Manos, 2006). Question # 3 Discussing question three, I agree with the parents view on the judgment about the teacher’s supervision. The fact that the teacher was in the duty of care for students in the field guarantees the injured student’s parent a right to sue this teacher. The reasons to this according to legal and ethical background for in which the teacher was supposed to supervise instruct and provide safety care to students. However, the court may justify that the injury was not foreseeable; therefore, the teacher would not have to be answerable to the court. In this case, the teacher was students’ favorite but she did not give much attention to her duty as an overseer. The standard of care to the student was not her priority. Nevertheless, her negligence may be objected due to her involvement in students’ tasks of which this has earned a chance to be their favorite teacher (Manos, 2006). Question # 4 Child abuse is a critical issues to those around the victims especially a teacher. Suspicion that a child is a victim of child abuse has to be reported to authorities. Failure to report a case in child abuse is considered misdemeanor or felony case. Serious injuries resulting from maltreatment requires a caregiver or teacher to be keen and to show interest in extracting more information about the life of the child at home. The teacher in this case did not follow the guidelines provided for suspicion of child abuse. Therefore, the teacher sho uld have faced legal liability. The court should assess the situation in an exceptional manner to bring to justice the child abusers who should face a bigger penalty, unlike the teacher. The court should consider the teacher as a third party law violator of which charges are dependent on the substantial evidence that; indeed, the teacher waited for a bigger harm to occur to the child (Manos, 2006). Qu

Online Consumer Engagement Essay Example | Topics and Well Written Essays - 2500 words

Online Consumer Engagement - Essay Example Customer engagement is one such strategy that can significantly improve customer satisfaction. As the name suggests customer engagement is the commitment of the customer with the company or the product. As Mc Ewen suggests, "if you don't make a connection with your customers then satisfaction is worthless" (Mc Ewen, Fleming, 2003). Regardless of how high a company's customer satisfaction level may be, if their customers are not able emotionally connect with the company or their products to high levels of customer satisfaction of no use. Internet today is playing a very crucial role in affecting consumer behavior. Most companies have identified that starting B2B and B2C. channels over the Internet not only reduces costs in terms of paperwork, front desk time, personnel time etc., it also gives the customers the freedom to view previous products at the comfort of their homes get reviews about the products talk about it online to other customers and then make a well-informed decision. O nline Publishers Association presented their finding that the Internet is the most dominant source for initial awareness, further learning, deciding where to buy and purchases when compared to any other media (Online Publishers Association, 2007). Thus, today customer engagement is essential not only in the physical store but also over the Internet. This is referred to as online customer engagement. The following sections aim at identifying the various nuances associated with online customer engagement. Online Consumer Behavior What drives customers from one website to another What makes the customers stay longer on a particular website when compared to others What influences the customers to buy the same product on one website when compared to another Please, and many other such relevant questions can be answered by understanding consumer behavior on the Internet. Brynjolfsson and Smith called Internet as "the great equalizer" because the technology capabilities of the Internet medium reduce buyer search and switching costs and eliminate spacial competitive advantages that retailers would enjoy the physical marketplace (Brynjolfsson and Smith, 2000). In 1999, a research carried out by International Data Corporation and RelevantKnowledge showed that users are not loyal to one web portal. At that time, it did show that Yahoo had a higher loyalty rate than others; however, no other portal had a substantial loyalty rate (Spring, 1999). Spring analyzed that the reason for this lack of loyalty at that time was d ue to the fact that not every portal realized the importance of building "closer and tighter relationships with consumers". Several researchers over time have analyzed the various factors that affect Online Consumer Behavior. An inclusive, but by no means exhaustive list is presented below. Usability: The definition of usability as stated by ISO is "a set of attributes of software which bear on the effort needed for use and on the individual assessment of such use ..." (ISO, 1991b). With respect to e commerce, it is the set of characteristics of the website that make online engagement of the consumer a good experience.

Problem solving exercise (Home Banking) Essay Example | Topics and Well Written Essays - 500 words - 1

Problem solving exercise (Home Banking) - Essay Example Intuit opted for its multiplatform Quicken software with its high functionality. Microsoft promoted its product Money targeting Windows users only. 3. Bankers’ concerns about possible customer retention problems arising from home banking are valid. In a worse case scenario, if something goes wrong with the third party system, it could mean a bank’s information security could be compromised and it’s connectivity with it severed. One way to deal with this threat is to manage information locally. That way, banks never have to rely on a third party for information security. 4. Competition for home-banking customers will change over time. The market for such services will eventually achieve equilibrium. When that happens â€Å"home banking† services will be expected by customers with each account. As such, the costs to the customer will become low or free, but they will still probably still have to pay for certain premium functionality. 2. Nevertheless, Delta is also weak by comparison of certain other aspects. These weaknesses include the third largest sales force, average MRO services, and only 10% market share for the line one product. 1. Noxell might consider certain changes for its advertising objectives. Instead of 25% brand awareness in the target market and 15% superiority perception, a 20% goal for each may be a more balanced goal. 2. There may be certain suggestions for Noxell’s advertising agency with respect to its message. â€Å"Clean and healthful† is good but perhaps not enough. Don’t most people expect to be clean after using soap and isn’t cleanliness akin to health? Perhaps, additional messages should be included such as â€Å"moisturizing† or â€Å"won’t clog pores† or some other such benefit in addition to the expected â€Å"clean and healthful† approach. 3. If the advertising budget was allotted, it should be spent at about that stated in the proposal with one major

Online Consumer Engagement Essay Example | Topics and Well Written Essays - 2500 words

Online Consumer Engagement - Essay Example Customer engagement is one such strategy that can significantly improve customer satisfaction. As the name suggests customer engagement is the commitment of the customer with the company or the product. As Mc Ewen suggests, "if you don't make a connection with your customers then satisfaction is worthless" (Mc Ewen, Fleming, 2003). Regardless of how high a company's customer satisfaction level may be, if their customers are not able emotionally connect with the company or their products to high levels of customer satisfaction of no use. Internet today is playing a very crucial role in affecting consumer behavior. Most companies have identified that starting B2B and B2C. channels over the Internet not only reduces costs in terms of paperwork, front desk time, personnel time etc., it also gives the customers the freedom to view previous products at the comfort of their homes get reviews about the products talk about it online to other customers and then make a well-informed decision. O nline Publishers Association presented their finding that the Internet is the most dominant source for initial awareness, further learning, deciding where to buy and purchases when compared to any other media (Online Publishers Association, 2007). Thus, today customer engagement is essential not only in the physical store but also over the Internet. This is referred to as online customer engagement. The following sections aim at identifying the various nuances associated with online customer engagement. Online Consumer Behavior What drives customers from one website to another What makes the customers stay longer on a particular website when compared to others What influences the customers to buy the same product on one website when compared to another Please, and many other such relevant questions can be answered by understanding consumer behavior on the Internet. Brynjolfsson and Smith called Internet as "the great equalizer" because the technology capabilities of the Internet medium reduce buyer search and switching costs and eliminate spacial competitive advantages that retailers would enjoy the physical marketplace (Brynjolfsson and Smith, 2000). In 1999, a research carried out by International Data Corporation and RelevantKnowledge showed that users are not loyal to one web portal. At that time, it did show that Yahoo had a higher loyalty rate than others; however, no other portal had a substantial loyalty rate (Spring, 1999). Spring analyzed that the reason for this lack of loyalty at that time was d ue to the fact that not every portal realized the importance of building "closer and tighter relationships with consumers". Several researchers over time have analyzed the various factors that affect Online Consumer Behavior. An inclusive, but by no means exhaustive list is presented below. Usability: The definition of usability as stated by ISO is "a set of attributes of software which bear on the effort needed for use and on the individual assessment of such use ..." (ISO, 1991b). With respect to e commerce, it is the set of characteristics of the website that make online engagement of the consumer a good experience.

Human hand catching an object Essay Example for Free

Human hand catching an object Essay ANALYSING From this experiment I have found out that there are different factors that affect the resistance of a wire. The factors that I have investigated are the length and thickness of a wire. In the experiment, as the wire got shorter, the resistance decreased, and if the wire were increased then the resistance would increase too. If the thickness of a wire were to be changed then the thicker the wire, the less resistance and the thinner the wire the more resistance it will have. I have also found out that the resistance is calculated by dividing the voltage by the current. This calculation was used in my experiment and showed that the resistance is roughly constant. If some odd results were obtained, it was because at a low voltage the power packs are inaccurate and at a high current, we might gain a heating effect. Ohms law can be proved by the graph due to the fact that the graph has a straight line; therefore it has a constant gradient, meaning a constant resistance whatever current is passing through it, providing the temperature is constant. If the graph were a curved, then that would mean that the resistance was changing. If that were the case the resistance could be found for any point by taking the pair of values (V, I) from the graph and sticking them in the formula R= V/I. (Information obtained from physics revision guide. ) That would be disobeying Ohms law. In my opinion, the resistance of the 32- copper wire seemed odd since the thinnest wire is supposed to have the highest resistance. However a good conductor, which is what copper is, will allow current to flow through it easily. Therefore thats why the ammeter reading for the copper wire, which measures the current, was very high, compared to the reading of the other types of wire. A nichrome wire would have more resistance than a copper wire of the same size, because less current flows through it, making it not such a good conductor. We can also conclude that the thickest wire, type 26, had the highest resistance because less current could flow through it. EVALUATING: This investigation was conducted following the method above. By following those steps, I managed to obtain more than enough readings to plot a graph with and I managed to obtain accurate results, until the wire reached 30cm (TABLE 1). However my previous readings were fairly accurate, which were more enough for me to plot a graph with. I had seven readings when only 6 are needed to plot a graph. The results of the first experiment my group conducted, (TABLE 2) were much more accurate than the second one (TABLE 1). The resistance was very constant, however we did not complete the experiment. We planned to carry it on the next lesson, but it would not have been a fair test because we used a different power pack and the voltage was not the same. We found out that we were getting odd results to our previous ones; therefore we had to start the whole thing again. We made sure we finished that experiment and even had time to conduct another: an investigation to find out whether the thickness of a wire would affect the resistance. Since I only had to investigate five different wires, obtaining five results, this investigation was easier to conduct because there were fewer to do and I knew exactly what I was doing. It took me less time to set up the circuit and it was definitely a fair test. However when it came to the 32-copper wire the resistance was very high. I expected it to be high because it was one of the thinnest wires, however not that high. I suspect I either recorded the wrong reading or because at low voltage the power pack was inaccurate and at high current there was a heating effect. However, as I mentioned in the analysing section, there was a simpler explanation. From previous work, I remembered copper is a very good conductor, therefore the high current reading. In future if I conduct another similar experiment to this one there are some improvements that could be made: I could compare my results with other people to see if they got the same or near enough results. That way I would know whether I was on the right tracks. If I am stuck on connecting the circuit, I could draw a diagram first and follow that. I should finish every experiment the same day; so that I get more accurate results and can compare the results to the results of another experiment, on the same subject and would not have waste time having to start the same experiment again. I could have done some further research and find out what and if there are any other factors that affect the resistance of a wire and then I could have conducted an experiment.

Implementing Legal Requirements for Working with Children

Implementing Legal Requirements for Working with Children Nichola Chapman Summarise the current legal requirements for those working with children. This should include reference to the 6 learning goals and how they could be implemented in a child care setting. Every child deserves the best possible start in life and the support that enables them to fulfil their potential. Children develop quickly in the early years and a child’s experiences between birth and age five have a major impact on their future life chances. A secure, safe and happy childhood is important in its own right. Good parenting and high quality early learning together provide the foundation children need to make the most of their abilities and talents as they grow up. The childcare Act 2006 was introduced as a key piece of legislation concerned with children falling into the Early Years age bracket (which spans from birth to the 31st August that falls after the child’s 5th birthday) this means that pre-school childcare providers, along with reception classes in primary schools, are governed by the contents of this act. The Early Years Foundation Stage (EYFS) sets the standards that all early year’s providers must meet to ensure that children learn and develop well and are kept healthy and safe. It promotes teaching and learning to ensure children’s ‘school readiness’ and gives children the broad range of knowledge and skills that provide the right foundation for good future progress through school and life. â€Å"Maslows (1968) hierarchy of needs theory has made a major contribution to teaching and classroom management in schools. Rather than reducing behaviour to a response in the environment, Maslow (1970) adopts a holistic approach to education and learning. Maslow looks at the entire physical, emotional, social, and intellectual qualities of an individual and how they impact on learning†. There are 6 learning goals that need to be applied to every child, as set out in the Early Year’s Framework. Personal, Social and Emotional Development Gaining self-awareness is extremely important in a child. These activities explore their emotional boundaries, and help your child to feel safe and secure, and helping them to recognise their own personal characteristics and preferences. This activity Right and wrong, teaches your child about right and wrong, and what the consequences of certain actions might be, this can be achieved by simple activities such as, reading a story in which some characters break the rules. E.g. The Tale of Peter Rabbit by Beatrix Potter, or The rabbit that belongs to Emily Brown by Cressida Cowell. Discuss what happens to them because of their actions. Make a list of things that are right and things that are wrong. For example, stealing something that is not yours, giving something back that doesn’t belong to you. Understanding the world This activity will help your child develop their knowledge of the world around them. Cat and mouse helps your child to explore the space around them, whilst moving their whole body to show excitement, interest and amusement. You can create an activity to help the child understand. Tell the toddler that she/he is a cat and she is going to chase you, as you are a little mouse. Crawl quickly around furniture and in other rooms encouraging the child to chase you. When he/she understands the game then you can swap roles. Physical Development Physical development helps fine tune both your child’s gross, and fine motor skills. It is also very important in strengthening muscles, controlling the body and co-ordination. This activity Catching and throwing, helps your child increase their control over an object, and allows them to practice these skills by playing games. Provide your child with a large soft ball or beach ball. Get them to throw the ball to you. Catch it and throw it back. Get them to catch the ball. Talk about throwing and catching. Start to introduce a movement vocabulary such as stretch, copy, high, low. As they get more confident move further away when you throw. Mathematics This EYFS Mathematics activity focuses on teaching your child to use mathematical language in every day vocabulary. During a cooking activity or when working with your child in the kitchen compare the weight of some of the ingredients and try to use words such as lighter, heavier etc. Put some stones or weights into two bags. Ask your child which is heavier. Make two piles of sand the same size. Ask your child to make one smaller or bigger. You could also try this out with some water in a plastic see through container. Encourage your child to use comparison words during their role play. This would be particularly useful during pretend cooking or when they are playing in a pretend shop or cafà ©. Literacy This is a good activity and can incorporate mathematics aswell, this will help the child to gage with you and express their own views and opinion. Get a variety of fruit, choose different shapes, sizes and colours such as an apple, pear, banana, pineapple, avocado, strawberries. Let your child feel each fruit. Talk about how they feel, what colour they are and how they are different. Then cut up each fruit into pieces. Encourage your child to count how many pieces there are for each fruit. Then encourage them to try each fruit, talking about how each one tastes and how they are different. Write a label for each fruit and encourage them to read the labels. You could also ask them to draw a picture of the fruits. Expressive Arts and Design Encourage your child to create an autumn collage. Encourage them to explore the materials, talk about how they feel and what colours they are. Depending on their age, encourage them to cut the papers and use paintbrushes and crayons. This will help them to learn how to handle small tools. Try writing the names of colours down on the collage. Talk about what you see in autumn and encourage them to create this on their collage. 2) Explain what is meant by respecting and valuing individuality, and devise a plan of how this can be implemented in the child care setting. A table format may be used for this task. It is important to value individuality because it is an important aspect of teaching a person dignity and respect. It is crucial to see someone as an individual with his or her own unique qualities, character, skill and personality. Respect is a key step in building strong relationships. When it is absent or lacking, conflict or relationship breakdown often occurs. Absence or lack of respect can lead to problems for a child. Parents and care givers play an important role in assisting children and young people to build self-respect, and then through the childs personal understanding of that experience they develop the values and skills needed to express respect to others. This interactional process becomes a continuous cycle, as children with strong self-respect engage in constructive positive behaviours towards themselves and others, attracting praise and reinforcement, and build further self-respect and further facilitating the capacity to demonstrate respect for others. I have devised two charts which I feel would ensure a child is shown all aspects of respect and valuing individuality, it also integrates rewards, and punishment if necessary. Childs Name Respect shown in Group or Individually? How They Showed respect? What activity was they doing? Reward Activity Set? †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦. Group or Individual Explain what activity the child was doing, how they showed respect Write on the child’s reward chart (These should be individual to the child) Set an activity by where the following can be adapted to show -Learning to share role play interaction Lunch together -Solve problems -Short talk on something they achieved. Name Of Child How they feel? Shown respect? How? Outcome? For example: Joe Smith Very quiet and reserved today, spent day not interacting with others. No (Lacks self-respect) Asked Joe if there was anything the matter, emphasised that he has friends here that he can play with. Asked if he would like to join in with music instruments, as he has shown great interest in this previously. Another example: Katy Nicholls Very excitable, happy as going on holiday tomorrow. Yes has told her friend that she is going to miss her. Also tried to get another child to come in the garden with her to play as he was on his own. Rewarded for showing empathy towards child. (the child should have a reward chart in place to show when they have been good and be rewarded for positive behaviour) Watson believed that all individual differences in behaviour were due to different experiences of learning. He famously said: Give me a dozen healthy infants, well-formed, and my own specified world to bring them up in and Ill guarantee to take any one at random and train him to become any type of specialist I might select doctor, lawyer, artist, merchant-chief and, yes, even beggar-man and thief, regardless of his talents, penchants, tendencies, abilities, vocations and the race of his ancestors† (Watson, 1924, p. 104). This is why it is so important to install respect and individuality, as it is learnt behaviour from a young age that becomes part of us later on in life, we all as children learn in different ways but it is the foundations that are taught to us that stay, encouraging respect and individuality, learning different cultures, religions as a child makes us respect different ways of living early on. Evaluate the benefits of consistency with regard to positive and negative behaviour, and identify strategies that can be used to encourage positive behaviour in the child care setting. Consistency is vital to managing positive and negative behaviour in children, and this is learnt from a very early age. Children need strict boundaries in order to establish right and wrong and without these, things become confusing for the child. For example: A child hit another child at school and was asked to sit on the mat on their own and reflect on what they had done until he/she was ready to apologise for hurting another child. They then do this at home however this time it’s allowed, they then become confused as to what is right and what is not. It may be beneficial to access a copy of the care givers ‘behaviour policy’ this will then give parents an insight into what types of behaviour models are being followed which then can easily be replicated at home to ensure the consistency the child needs. If the child displays challenging behaviour then speak to the care giver to ask for strategies they use on their child if displayed at nursery/school. If your child is displaying challenging behaviour, then at times it can be difficult to remain focussed, especially if the behaviour is causing you upset/anxiety. Positive feedback is the best and most effective way to promote positive behaviour and minimise challenging behaviour and/or situations. Positive feedback and praise encourages the development of self-confidence and self-esteem. Children need to know they are getting it right by their parents using: positive and warm body language tone of voice physical touch praise and compliments encouragement attention Treats, rewards and privileges. When children are praised and rewarded for positive behaviour they are more likely to repeat the appropriate behaviour again and eventually it will become habitual. Sometimes it’s easy to focus on the negative behaviour rather than the positive. Although negative behaviour cannot just be ignored especially if they put themselves in danger. If they are regularly reprimanded for his/her behaviour, a child begins to feel they can never do anything right, and as a consequence can have a greater negative impact on their behaviour, as they know regardless of what they do they are told off. Trying not to use ‘NO’ when they are presenting negative behaviour, explain why you have said no, this helps the child to understand why you say no. 4) Describe the process involved in managing conflict between children and adults. You should refer to at least one behavioural theorist in your answer. Parents face many challenges in raising their children to be safe, happy, well-adjusted and able to deal with conflict and frustrations in non-violent and effective ways. Many parents are concerned about the amount of violence children are exposed to – at school, on the television, in video games, and in their communities. There is a risk that certain types and amounts of aggression have come to be accepted and expected as the solution to a problem. A common concern for parents is how to help their children deal with violence, and how to prevent their children from resorting to aggression or being involved in violence themselves. There are many causes of conflict in children, Needs that are not being met, children display a craving for attention due to unmet social, emotional, physical or intellectual need, and this can result in the form of conflict. This can simply be met by attending to all needs of this child. Selfish Behaviour at a young age, is quite common especially for families of only one child, to overcome this attending groups for mum and children, and express the importance of sharing. This will stop conflict later on in life. Other common conflicts are: Lack of Social Skills Lack of suitable role models Tiredness/Hunger Im Now going to explain the importance of teaching your child how to deal with certain conflicts, this does fall on the shoulders of parents and care givers/providers to teach and make our children understand the above common conflicts. Sigmund Freud believed that if we are in constant conflict at a young age (due to the above) this can then result in us being fixated at this stage, and unable to move on to the next stage. The Role of Conflict Each of the psychosexual stages is associated with a particular conflict that must be resolved before the individual can successfully advance to the next stage. The resolution of each of these conflicts requires the expenditure of sexual energy and the more energy that is expended at a particular stage the more the important characteristics of that stage remain with the individual as he/she matures psychologically. To explain this Freud suggested the analogy of military troops on the march. As the troops advance they are met by opposition or conflict. If they are highly successful in winning the battle (resolving the conflict) then most of the troops (libido) will be able to move on to the next battle (stage). But the greater the difficulty encountered at any particular point the greater the need for troops to remain behind to fight and then the fewer that will be able to go on to the next confrontation. Freuds theory of psychosexual development is one of the best known, but also one of the most controversial. Freud believed that personality develops through a series of childhood stages during which the pleasure-seeking energies of the id become focused on certain erogenous areas. This psychosexual energy, or libido, was described as the driving force behind behaviour. If these psychosexual stages are completed successfully, the result is a healthy personality. If certain issues are not resolved at the appropriate stage, fixation can occur. A fixation is a persistent focus on an earlier psychosexual stage. Until this conflict is resolved, the individual will remain stuck in this stage. For example, a person who is fixated at the oral stage may be over-dependent on others and may seek oral stimulation through smoking, drinking, or eating. Now there were other theories that criticised this theory of conflict, but the foundations of his findings are quite accurate, and has helped many children and parents to overcome common conflicts in children, as a result has helped them move on to next psychosexual stages. References: http://www.simplypsychology.org/psychosexual.html#fix. 2008. Simply Psychology. [ONLINE] Available at: http://www.simplypsychology.org/psychosexual.html#fix. [Accessed 27 August 14]. http://www.simplypsychology.org/naturevsnurture.html. 2007. Nurture v Nature. [ONLINE] Available at: http://www.simplypsychology.org/naturevsnurture.html. [Accessed 27 August 14]. http://eqi.org/respect.htm. 2010. Respect. [ONLINE] Available at: http://eqi.org/respect.htm. [Accessed 29 August 14]. http://www.kidshelp.com.au/grownups/news-research/hot-topics/respectful-relationships.php. 2011. KidsHelpline. [ONLINE] Available at: http://www.kidshelp.com.au/grownups/news-research/hot-topics/respectful-relationships.php. [Accessed 29 August 14]. http://www.foundationyears.org.uk/eyfs-statutory-framework/. 2008. FoundationYears. [ONLINE] Available at: http://www.foundationyears.org.uk/eyfs-statutory-framework/. [Accessed 28 August 14].