Advantages and Disadvantages of Bonds

Advantages/Disadvantages Advantages of bonds Bonds as an investment instrument bring a lot of advantages to the bond holders. Firstly, bonds are more stable than stocks. Investing in bonds involve lower risks compared to stocks. Normally, bond holders are more likely to receive the coupon rate (interest) from bond issuers. So, there is very less chances that bond holders will lost out on their investment. Also, they can feel relieved when they invest in the reliable investment and taking less risk to loss all their money they invest. Besides, bonds are predictable.On the maturity date, bonds are returned to bond issuers in the form of fixed periodic interest and principal amount of the bonds . Bond holders can know how much coupon rate (interest) , how often will receive it and when the value will be repaid (matures) when they purchase the bonds . The interest rate given by bonds are typically higher than the interest rate paid by banks on saving account. Basically, bond holders rece ive more interest than account holders . This means bonds will give the greatest return without posing too much risk. Moreover, certain bonds can be exempted from the income tax such as municipal bonds.So, the interest earn from the municipal bonds can be the investors’ profit without any tax on it. Investors who pay high taxes can take advantage of tax exempt bonds. Many municipal bonds are free of state taxes. Some of are also exempt from federal taxes. This is an additional incentive to invest in bonds since lower taxes result in larger gains. Other than that, bonds do not need constant monitoring like some investment instruments. Unlike margin, the investors need to check the price, status, news from time to time and this make a tension life to them.Therefore, it is an advantage for bond holders because they no need spend their time to check the status of their bonds. Disadvantages of bonds Investing in bonds also has it disadvantages. Bonds also take risk . If the compan ies and municipalities can’t solve their financial problem and go bankrupt, the bonds will then loss value or become worthless. This may happen on those who buy long term bonds which may take twelve years to mature. Investor would not know what will happen on the duration, especially for those who buy from corporate bonds. The interest rate of bond is higher han savings account but much lower than share, gold or real estate. This is the reason why people do not invest in bonds. Also, they want to double or triple the money they invest with good investment which can make a higher profit than bonds. The gold, share and real estate are some of the high return capital in the market, while the bonds are not constant in long term. The other disadvantage of bonds is the bond issuers may not able to pay back what they agreed or promised to. If the bonds are repaid in early month before the maturity date, the bond holders will loss the interest from bonds as a part of their income.The bond fund managers who were expecting continued income from those bonds may suddenly be forced to buy other bonds that don't pay as well. Besides that, long-term bonds can fall in value with fluctuating interest rates. This lowers the value of bonds and tied money of bondholders. If an investor's money is tied up in some low yielding long term bonds and suddenly the interest rates of banks or other bonds go up, there is nothing much the investor can do about the situation. In such case, an investor will end up making much lesser money as he could have, if he had invested in other instruments.

Customer Satisfaction, Loyalty, and Empowerment Essay

1. Should a company be happy or concerned if most customers are satisfied? Satisfaction of the consumer is one of the main goals for a company to achieve. Customer satisfaction is defined as the feeling that results when an offering meets a consumer’s expectations. Companies around the world are doing many surveys, in order to measure the satisfaction of their consumers because the importance of consumer satisfaction is one of the main factors for a company. According to the question, should a company be happy or concerned if most consumers are satisfied, the answer is concerned. The reason of this answer is that if all consumers would be satisfied then it is okay, but in this case not all consumers are satisfied, so there are some consumers who are not satisfied. The company should work hard in order to not leave space for concerns for these people who would be unsatisfied. These unsatisfied consumers would have a big influence on the company because these consumers express t heir concerns to other people and then other people might not want to buy anything from that company. However, one of the main strategies that companies use to achieve their goals of satisfaction is to influence the consumer’s expectations. Customer’s expectations should be very high because if the product or service doesn’t meet their expectations they would be unsatisfied and have a negative perception. Marketers should make their expectations a bit lower so the service or product would exceed their expectations and then customers would be very satisfied. An example of consumer satisfaction would be like this: I usually order pizza at the restaurant called Extreme Pizza so then they deliver it at my home. They always bring it on time so they never are late, and also the food is warm. I am very satisfied with the product and service they provide to me. However, one day I heard my friend complaining about a restaurant service and then I asked him why so, and I realized that he was talking about the same restaurant that I order pizza. He said many bad things about that restaurant, then he told me that delivery is always late so then the food is cold. He also complained that he pays much more money because his house is far away from this restaurant. Therefore, I think that the reason of this problem between my friend and that restaurant is that the location of the house, so it is normal if the delivery is late and the food is cold. However, my house is near the restaurant, so I don’t face these problems. In the end, the difference is that I am very satisfied with their products and service but my friend is not satisfied and told everyone about the bad issue he experienced with that restaurant. To sum up in other words, all companies should be concerned with that percentage of people who are not satisfied even if the number of these people is low because negative things are spread much faster to others and positive ones. 2. Create a loyalty program for AUK with the 4 positive effects in mind Loyalty programs are a type of sales promotions defined as the efforts to reward frequent purchases or consumptions of customers. Anyhow, we have to point out the difference between loyalty and loyalty programs. Loyalty is the attitude of customers for a particular brand. It is divided in two dimensions, behavioral and attitudinal loyalty. Behavioral loyalty is a degree where customer buys the product regularly and does not respond to competitors. Attitudinal loyalty is the degree where customer prefers or likes the brand. There are four positive effects of loyalty programs longevity effect, the blocker effect, spreader effect, and the accelerator effect. Longevity effect is the process of lengthening of the lifetime value of customers by increasing their switching costs. Blocker effect is the process of blocking out marketing communications from competitors. Spreader effect is the willingness of customers to buy related products from a marketer. Accelerator effect is the process where customers speed up to make purchases in order to get to the next level of their loyalty program offers. AUK Loyalty Program The loyalty program tends to encourage customers to buy a product and make customers come again to buy the product. In AUK, students not only can pay for their tuition but also for extra lectures such as cisco, summer program etc. Moreover, AUK could have a loyalty program in a way from those students who come from the same family and town. When a student attends AUK, then he or she will have a 50% discount from the actual price for cisco. Also, summer program is one of them that make a discount for AUK students each summer. Furthermore, AUK provides a 15 % discount of price for a second person from the same family and 30% for the third. Even though, all students of AUK would have the opportunity of 20% reduction in price for work and travel during the summer in the Unites States, with the company called â€Å"Zip Travel†. Therefore, this loyalty program would have 4 positive effects. One of the longevity effects is that AUK attracts students from the same family to join AUK w ith a discount in price. For example, I have a friend who joined AUK last year, which he has a brother here at AUK who is going to graduate next quarter. He told me that, he did not even think to come at AUK but his brother convinced him to make such a decision and attend AUK. Also, he mentioned that AUK offers a 15% discount in price for the second person of the same family. Maybe the discount and quality that AUK provides encouraged my friend to register in. The blocker effect is also included to the loyalty program of AUK because it provides for its customers extra courses such as Cisco located in the Blue Building at AUK. All students of AUK would have 50% discount in price if they want to take those IT classes. Therefore, when students hear about this offer, they do not bother to go somewhere else and take these classes because this offer with a cheaper price is all right. Therefore, this is how AUK loyalty program blocks out marketing communication from competitors. The spreader effect would be also included to the loyalty program of AUK. For example, I know a friend who participates in every summer program that AUK offers. He told me that, he is very satisfied with the lectures and professors of AUK and that AUK offers a discount for its students who want to participate in the summer program. These are the reasons why he enjoys taking every year classes at AUK during the summer season. Therefore, he is loyal to AUK and does not want to take summer courses in other countries as some students do. The accelerator effect is also one of the loyalty programs included at AUK. An example that AUK offers would be that if in AUK are three students that come from the same family, the second would have 15% discount and the third would have 30% discount. By this offer AUK attracts its students to invite its family member attend at AUK because of the price discount they offer to them. If my brother would come next year at AUK, he would get 15% discount in price, but also if in the following year would come my sister then she would have 30% discount which is a very good offer in attracting more people. In other words, the more people of your family, much cheaper it would cost to you.

A Fair Lady

A polite woman suitable for Pygmalion is considering this possibility. It is a romantic comedy with no nudity, sex, kissing. In fact, there is no declaration of love. The closest female character to acknowledge her feeling is that she can dance with men all night; his closest thing is that he is accustomed to her face. Whether such a project can raise Matt in today's climate. Sure it is not - there is no studio that can lighten the movie brightly. Also there is no guarantee to add elements and add interest. Once upon a time, in a distant land, a fair woman planned to make an academic debate: her fair women colleagues published her future work of a fair female writer of the 18th century published by the University of Cambridge Press I talked about. A fair women colleague has been working on this version for the first time in six years, the first scholarly version of a female female writer's work. The movie My Lady Lady, which was produced for the 1956 stage and filmed in 1964, was bas ed on the play Pygmalion written by Irish writer George Bernard Shaw in 1913. My Lady Lady and Pygmalion shared a basic story that a poor flower girl Eliza Doolittle turned into a lady in the hands of a speech professor Henry Higgins, but they shared genre, tone, character shaping , Ending was different. . Xiao 's Pygmalion talks about the myth of Ovid. There, men fall in love with female statues. The goddess of love expresses compassion for this man and makes the statue vivid. My Lady Lady turns a wonderful weight drama into a relaxing, fun musical comedy. This genre change has lost some of the complex social analysis done in Pygmalion. For example, the portrait of Eliza's father, the show, was reduced to a comedy of my fair woman by solving the conflict reality in social injustice. My Fair Lady (1964) is a change in music due to the transformation of Eliza Doolittle from a flower girl to a good lady. My fair lady became a very successful movie. In 1964 he won twelve Oscar nominati ons and received eight Academy Awards. This is a comedy, but this movie has romance and broken heart. There are romantic songs such as I can dance all night and humorous songs such as I am just a normal man In the opening scene of my fair lady, Professor Henry Higgens Harrison) served as the leading role. Professor of phonologist Eliza Doolittle (Audrey Hepburn) is a low grade flower girl, a Colonel Pilking Indian dialect student. They are in the garden of the monastery. Professor Higgins asked Eliza of the flower girl to talk and start taking notes. Eliza felt this was dubious, she thought that she was in trouble. She opposed and told me he did not do anything bad, but the professor continued the notes.

Informatics in Healthcare Research Paper Example | Topics and Well Written Essays - 4000 words

Informatics in Healthcare - Research Paper Example Out of the 225 participants, 20 were interviewed personally whereas another 134 were interacted through questionnaire method. In order to collect information from the remaining 71 health organizations the tool of virtual interview was employed. For different reasons, 11 participants did not cooperate with the study and hence their responses could not be included. Medical informatics, clinical informatics, nursing informatics, pharmacy informatics, and biomedical informatics are some of the major branches that use the scope of informatics in healthcare. Many respondents claimed that the concept of healthcare informatics has benefited them to make use the expertise of health ‘informaticians’ in managing resources, standardizing medical care, and coordinating education and research initiatives. One of the key findings of the study is that healthcare informatics is a potential strategy to address the issue of growing healthcare costs because it avoids inefficient processes t hat contribute to nearly 50% of unwanted health costs in the United States. In addition, it is identified that health informatics can play a crucial role in eliminating the chances of medical errors and possible lawsuits. The most important knowledge obtained from this research paper is that health records management is the greatest advantage of healthcare informatics. Efficiency of electronic health records greatly depends on the performance of health informatics. Evidently, effective use of electronic health records can aid physicians to gain quick access to the health history of a patient in an emergency situation and respond fast in order to manage that particular situation. The respondents also indicate that healthcare informatics would assist healthcare professionals to keep track of the health trends in a region and to analyze health outcomes for a large population. Physicians may also utilize this system to increase

Critical Thinking & Ethics Essay Example | Topics and Well Written Essays - 750 words

Critical Thinking & Ethics - Essay Example Abortion is accepted in some countries and societies and in others it is against the law. However, in some cases abortion is allowed. Such cases where abortion may be allowed include cases where the pregnancy has to be terminated for the sake of the mother’s health. Today, the debate of whether abortion is ethical or unethical is very intense. Some people believe that a woman has the right to choose whether she is going to have an abortion or not since it is her who carries the pregnancy (Carter, p.43). However, most people feel that abortion is totally unacceptable, and it is never an option for any pregnant woman. They completely oppose abortion arguing that it has become a solution for careless sexual behavior especially among the young people. Such people opt for abortion because they are afraid of facing the outcomes of reckless sexual behaviors including pregnancy. In their view, abortion is totally unethical and immoral since it involves killing a living child and not some biological ‘thing’. Women who decide to have an abortion are at risk of developing breast and cervical cancers or even death as a result of the abortion process. These women are also more likely to have more abortions in future (Tribe, p.23) Abortion is not illegal in most developed nations. However, people still view abortion as an immoral act which is totally unacceptable. The fact that abortion is not illegal in such countries has in some cases led to abortions because of the sex of the baby. Some of the countries that have legalized abortion do not view it as being unethical. Such countries use abortion as a way of regulating population size, regulating certain groups of people in a population or as a way of improving the population. Such countries have continued to be criticized from many parts of the world for being unethical because of allowing abortion. Critics argue that these countries should promote the use of contraceptive instead of ending the lives

Islamic Accounting and Reporting Assignment Example | Topics and Well Written Essays - 1750 words

Islamic Accounting and Reporting - Assignment Example The time period is also referred to as Ijarah period (Siddiqui, n.d.). The Ijarah contract is based on Islamic principles and has emerged as a popular asset financing concept. This contract is also used for transactions related to employment and hire of services. This contract of Ijarah is a mode of financing which provides customers with short to medium term financing to lease items such as buildings, real estates, computers, equipments, machineries and other items which are not forbidden of haraam. The contract is almost similar to conventional leasing contract but not identical to it (Ibrahim, 2001). The Ijarah rental amount is paid in installments over the time to cover the costs or the value of the investment for the bank in addition to the fair return on the investment (Ghuddah, 2007). In Ijarah the ownership of the asset is not transferred to the lessee. Risk associated with the ownership of the assets should remain with the banks and the asset is supposed to be reverted to th e bank at the end of Ijarah period. The cash flows of the asset are structured in such a way that they cover the price of the asset and provide a return on the same. Some of the important features of the Ijarah contract are as follows: ïÆ'Ëœ The asset which has been leased must have a valuable use that is compliant with the Shari’a laws. ïÆ'Ëœ ... Usufruct means the right of using another’s property for profit (Abdullah, 2010). The rental payment must occur after the delivery of the leased asset. For example by giving the keys of the building to the lessee musta’jir. If there is a loss to the usufruct then the Ijarah contract stands terminated (Shariff and Rahman, n.d.) Islamic accounting is less accepting towards the concept of time value of money and that is why in Ijarah accounting the lease and the transfer amount will be accounted as separate transaction even if these transactions are linked with each other (Malaysian Accounting Standards Board, 2010). In conventional leasing it is acceptable to have a lease and sale in one accounting transaction; however to have more than one accounting transaction with more than one result is prohibited in Islamic accounting. The results derived from the lease transaction differ from the sale transaction and that is why they cannot be combined into a single transaction und er Islamic accounting which is also known as Akad. In conventional leasing finance there are usually two types of leases known as operating lease and financial lease. In operating lease the lessor owns the asset and bears the risk and the maintenance costs. In financial lease the ownership of the asset remains with the lessor and the risk and operating costs are borne by the lessee. Conventional leasing provides options to the lessor and lessee to terminate the lease contract unanimously. Ijarah contract on the other hand gives option to the lessor and lessee to terminate the contract within a stipulated time frame. This option is valid for a particular time period under the framework of Al-Khiyar. In conventional leasing, in case of termination of the contract, the remaining rental payment

Making monstor Essay Example | Topics and Well Written Essays - 250 words

Making monstor - Essay Example This book addresses current issues, personal observation, and photographs that make readers be interested on the subjects of psychopathology, true crime, and serial killers. This book looks at the issues and controversies that are seen in the study of morality. The book then looks at the psychological processes that are involved such as motives and mechanisms underlying moral hypocrisy and immoral behavior. Other chapters in this book look at the aspects of good and evil, including the implication of moral thinking in cases of large scale violence and genocide. In this book, Adam Morton argues that any account of evil helps in understanding why evil usually arises in everyday life, why evil arises, and how people can be seen as evil. The book utilizes diverse examples like Buffy the Vampire Slayer, Augustine, and other psychological studies that deal with profiles of serial killers and that look at deviant behaviors. Adam argues that evil comes when the internal mental barriers against it breaks down. This is a story of a dyslexic boy who discovers that he is a son of a Greek God who is the target of mythical Greek monsters. He finds himself in the middle of a prophesy, that he will be able to change the balance of power forever. This book starts with looking at the unforgettable 9/11 attack in the United States and in the second edition looks at why people act in a monstrous way by looking at the proximate and the ultimate levels of analysis. Bargh, John. "The Cognitive Monster: The case against tthe controllability of automatic stereotype effects." Dual-process theories in social psychology (1999): Pg. 361-382. Internet Source. http://www.yale.edu/acmelab/articles/Bargh_1999_Cog_Monster.pdf Schmideberg, Melitta. "Psychological Factors Underlying Criminal Behavior." Journal of Criminal Law and Criminology (n.d.): Pg. 458-476. Internet source.

Peer review Essay Example | Topics and Well Written Essays - 250 words

Peer review - Essay Example Furthermore, the number of sources referred to is adequate, proof that a good level of research was conducted. The references contain all the necessary elements which means that the information provided can be easily traced to their sources. The paper is well formatted but not without a few lapses. The abstract for example is centered while it should have been left aligned. Yet another point of weakness is the lack of a title after the abstract. In any case, the body of the text should always begin on a new page, different from the abstract. As earlier stated, the language used is widely correct but a few minor errors occur. Grammatical errors mainly occur in cases where the sentences are longer than usual. In this sense, the writer can improve by focusing on breaking the long sentences into shorter ones. Each student in the course will have the opportunity to review another studentà ¢Ã¢â€š ¬Ã¢â€ž ¢s research paper. Review partners will be assigned based on students working on the various genocides. The peer review must be submitted through VSpace to me and bring in one copy for the paper writer on the day of the poster

The Importance of Press in a Democracy Essay Example | Topics and Well Written Essays - 1250 words

The Importance of Press in a Democracy - Essay Example However, we may only have one side of the information if we only look at one news program or if we only depend on local information. The Role of the Media in a Democracy According to the Center for Democracy and Governance (1999) the role of the media in democracy has two roles. The first role is that it gives citizens enough information about a topic to help them make "responsible, informed choices" (p. 5) rather than allowing them to act through misinformation or through ignorance. The second role is that it provides a "checking function" (p. 5) that points to elected officials to make sure that they uphold the oath they took in their particular office and that they carry out the wishes of their constituents. When we as citizens look at the media, we do expect that it will give us the information that we need to make good decisions. As an example, the Obama presidential campaign showed us how the media can inform us of what to do. Obama used Facebook as his major media contact and still uses this outlet today. People were able to ask questions and to follow the campaign from beginning to end. Many people suggest that this is how he eventually won the presidency, and this shows that he understood the power of the media. In a democracy, people are not under the influence of the government like in other countries. As an example, there are some countries that only receive the information that their government wants them to access. In some Muslim countries, as an example, any information that shows women as liberated will be blocked whether it is on television or on the Internet (Deibert, 2011). In this situation, the government did not want people to follow the protests in the Middle East for fear that it would affect them in some way. This again shows the power of the media on the opposite side. That is, the media can be used to manipulate the ideas of a country or it can be used to hinder the thoughts of the individuals living in a country. We hope that in a de mocracy, this does not happen. The Center for Democracy and Governance also states that the media must understand who they are communicating to in order to get the right message to the right people. They suggest that the audience for media attention includes: 1. Consumers 2. Individual producers (reporters, editors, technicians, business managers) 3. Content provider companies (wire services, think tanks, NGOs) 4. Training institutes, universities 5. Independent regulators 6. Media monitors (political polling agencies, policy institutes, advocacy groups, governments, advertisers) 7. Professional organizations (journalism and business associations) 8. New technology gatekeepers (infrastructure developers, software creators, trainers, investors). (p. 7). When thinking about these audiences, it is clear to see that each one would have a different opinion to express on any given topic. The media is therefore important to each of these audiences in order to make sure that they also can c ommunicate effectively to their constituents. Perception of Media Central to the important of media in a democracy is the way that the media and its message are received by the audience. Often, we are told that the media is biased to one side or the other and this can stop people from believing the media ("Perception", 2011). When the public perceives that the media is not telling them the truth or that it is not putting for the effort to bring forth all of the facts, people tend to

Debate on Military Draft Research Paper Example | Topics and Well Written Essays - 1500 words

Debate on Military Draft - Research Paper Example Debate on Military Draft The draft which was initially referred to as conscription was first instituted in the civil battle in an attempt to increase an adequate amount of troops to battle in the coming war in 1860. For the period of World War I, the draft was used to get more than four million young men into the service for the Allied cause. In 1940, again the draft was used to increase the number of service men by one and a half million. The Vietnam and Korean War saw the increase of compulsory service before being phased out, was not seen again until 1940, when the army's numbers jumped to nearly one and a half million soldiers. Presently, young men are must to sign up with Selective Service. Military service is a classic debate between duty to society and individual liberty. Arguments for the military draft From a political point of view, a military draft guarantees that there are adequate soldiers to actually battle in whichever wars that are being fought. Where several countries are at war automatically means that more soldiers are injured or die and they need to be replaced. The United States of America has been involved in the Afghan and Iraqi wars for several years now; most of the tax payers’ money has been spent. Americans have seen greater than before rates of limb loss, distressing brain injury, post-traumatic stress disorder and suicide. If there was no draft it would mean that the government will have to spend more money to recruit more soldiers and pay them just like the professional soldiers (Bades et al. 817). The military is a dignified profession and a large number of people choose to serve at the country for varied reasons. Some people join the forces at it is a family tradition while others do so as have fewer options when it comes to socioeconomic explanations in life (Ruschmann 772). Exclusive of a draft, Americans are left in a immense and risky luxury as they are able to able to dispatch war fighting to a largely secluded force of courageous volunteers. Consequently, most of Americans have little express relationship with the military. A draft for young people who attain a definite age achieves a number of things. First, it clearly provides the nation with a secure supply of skilled soldiers in case they are urgently required to protect their country against their enemies. The military draft will gives the youth a high level of obedience which, optimistically, will translate finally into self-discipline (Carper 495). If these young people are correctly assessed and trained, this phase of compulsory service can assist them to make a decision on what they want to accomplish in their lives by giving them a hands-on experience in a range of fields of know-how. On top of that, universal drafts will convene young people together from differe nt backgrounds. This passage of educational, social, financial obstacle is increasingly becoming more intricate and extraordinary in American culture. However, since not all every young person is suited to military service, it is imperative that an alternative of supplementary kinds of public service be open to those who need it. Some can argue out that compulsory service

Competing with Information Technology Essay Example for Free

Competing with Information Technology Essay Chapter 2 introduces fundamental concepts of competitive advantage through information technology and illustrates major strategic applications of information systems. Information Technology (IT) professionals must understand how to use IT systems and technology to deliver a competitive advantage to the organization. Information systems and technology should provide more than a cost savings benefit to organizations. Today, IT solutions are expected to provide the means to surpass a competitor’s performance. As discussed in Chapter 1, the role of IT professionals is changing. Currently, there is an evolving term, business technology, which is used to describe the emerging role in IT. IT professionals are becoming more and more integrated with the business operations of an organizations. The Real World Case Study 4, IT Leaders: Reinventing IT as a Strategic Business Partner, describes how one organization is reorganizing to better utilize IT to increase business benefits and contribute to a competitive advantage. It is important for an IT organization to utilize IT to reduce the cost of running the business, grow the business, or develop new services to change the business. To position an organization to better provide its products and services, an understanding of the competitive forces is needed. Michael Porter identifies five threats that require business strategies ensure that an organization can out-perform other competitors. They are: 1. Rivalry of competitors within its industry 2. Threat of new entrants 3. Threat posed by substitute products that might capture its market share 4. The bargaining power of customers 5. The bargaining power of suppliers To counteract these threats, competitive strategies must be developed to address the potential risks an organization may encounter as it strives to maintain its position on the market place. The competitive strategies are: 1. Cost Leadership Strategy 2. Differentiation Strategy 3. Innovation Strategy 4. Growth Strategies 5. Alliance Strategies 6. Other Strategies These strategies can be used either individually or in a combination to position an organization to better compete for the future. An example of an organization that is utilizing IT to change how it does business and remain economically viable in the future is the online magazine Cross Talk. In the 1990’s, Cross Talk was printing and mailing the magazine to subscribers. With a decrease in funding, this organization had to develop ways to reduce costs, deliver its services to its subscribers, grow its subscriber base, demonstrate its value above other on-line content providers, and justify why it should not be eliminated. Cross Talk is now available at its new website in either an online digital flipbook format or PDF version—CrossTalk is now completely electronic. This change reduces their carbon footprint and allows them to bring the journal to their readers in their preferred and most convenient format. This is also CrossTalks first step towards reaching new reader devices and enhancing the suitability of the journal for our increasing electronic readership. Customer Value Customer value has become a driving force in the world economy. A key success factor for many organizations is developing customer value by increasing customer loyalty, anticipate their future needs, respond to customer concerns, and provide top-quality customer service. One example is Southwest Airlines. Not only have they automated ticket sales via the Internet, Southwest also sends special offers regarding discounts available at my destination, emails to remind customers that the trip is around the corner, text alerts if a flight is delayed, and offers incentives to fly with them. It seems that Southwest Airlines provides a personal assistant to help make the travel experience more enjoyable. Think about how some of your favorite businesses are creating customer value for you. Internet Technologies Many organizations use Internet technologies to create a strategy to offer fast, responsive, high-quality products and services tailored to a customer’s individual preferences. Internet technologies make customers the focal point of customer relationship management (CRM) and other e-business applications. New technologies such as wikis and blogs are also being incorporated as a means to provide enhanced customer experience. Such communications enable continual interaction with customers by creating a cross-functional collaboration with customers in product development, marketing, delivery, service, and technical support. Television is taking advantage of this capability. TV news shows are reading and answering emails and some reality TV shows allow views to vote for their favorite contestant, preferred ending, or favorite commercial. Using the Internet technologies, business units are better able to shape and offer products and services. Value Chain The value chain is another concept that helps to identify opportunities for strategic information systems. It views an organization as a series of basic activities that add value to its products and services. In this framework, activities are organized into primary and support processes. From the business understanding gained by analyzing an organization’s value chain, the IT organization can determine where to best apply IT systems and technology. The following value chain graphic provides an example of how and where information technologies can be applied to specific business processes to gain a competitive advantage in the market place. Value chain offered by information technologies. Business Reengineering Often times, to remain competitive, an organization must consider more than just where and what IT systems and technology solutions should applied. An organization must look at how it actually does business and then reengineer its business processes. Business reengineering requires an organization to re-design how it does business by eliminating stove-piped, silo organizations and functions, develop an improved understanding for opportunities for information sharing, and instituting enhanced stewardship regarding an organizations data and business processes. Agile Companies The rate of change is increasing and organizations must be able to quickly respond to changing market trends. Standardized, long-lived products and services are giving way to globalized, niche markets which offer products that are individualized and short-lived. To become an agile organization, an organization must consider the following strategies. 1. Provide a solution that customers perceive as a solution to an individual problem. This allows the product to be priced based on value rather than cost to produce. 2. Cooperate with customers suppliers, and other companies to quickly bring the product to market. 3. Thrive on change and uncertainty. 4. Leverage the individuals and knowledge of the processes. Become entrepreneurial in spirit. Knowledge as a Competitive Advantage To remain competitive, organization must become a learning organization. Organizations must be able to capture the knowledge of the organization, learn from this knowledge, and then use it to enhance its offerings. Knowledge Management Systems facilitates an organization’s ability to capture and then utilize its knowledge. Understanding and being able to utilize this unstructured date is key to developing and maintain a competitive advantage. Information capture includes processes, procedures, patents, reference works, best practices, etc. This integration of knowledge helps an organization become an innovative and agile provider of high-quality products and customer services, and potentially a more formidable competitor in the market place. Leaders in information technology are expected to be not only a technology professional but also a business professional. Many are tasked with finding emerging business opportunities, driving growth, encouraging innovation, and engaging customers. This provides a tremendous opportunity for you to step up and co-create and ultimately shape the future business vision. Collaborating with the business will not be enough—you dont just provide the technology but jointly own the success and failure of business initiatives. IT Portfolio Management and Governance An emerging trend is enhanced IT Portfolio Management and Governance as a means to effectively apply IT systems and technology to business needs. According to Richard Spires, DHS CIO, in his blog post entitled Getting Program Governance Right Helps Ensure Success on the federal CIO Council Web site: Complex IT systems encompass at least a half-dozen stakeholder organizations that must be synchronized, including the strategy organization, the business or mission owner of the system, IT, finance, procurement, security, and privacy. Ensuring all key stakeholders are involved in key decisions is an essential element to assuring genuine alignment. Program Governance Boards provide guidance, decision-making, and oversight of one or more programs. The function of the Program Governance Board is not to usurp the authorities of the Program Manager (PM), but rather to provide a forum by which the PM can bring key issues and trade-off decisions to an informed, empowered body that has a vested interest in that program’s success and views the PM as a trusted advisor and true subject matter specialist. IT organizations must determine where to invest time, people, and money in current and new IT systems and services in order to enhance the value of products and services. To do this, many organizations are categorizing offerings into individual portfolios and establishing a strong governance structure to guide the selection and investment into solutions. Enterprise Architecture Organizations are establishing an Enterprise Architecture (EA) to inform, guide and constrain the investment decisions made by governance boards regarding IT systems. The Federal CIO Council defines EA as: Enterprise Architecture is a strategic information asset base, which defines the mission, the information necessary to perform the mission and the technologies necessary to perform the mission, and the transitional processes for implementing new technologies in response to changing mission needs. An enterprise architecture includes a baseline architecture, target architecture (sometimes referred to an as-is and to-be), and a sequencing plan. An EA identifies which processes and IT systems to standardize and integrate. The benefits of an EA are reduction in IT Costs, improved IT responsiveness, guides the proper selection of IT solutions to ensure the accomplishment strategic business outcomes. The components of an enterprise architecture is described in the figure below: Various layers of an enterprise architecture. (Source: NIST) Conclusion How does your organization determine how to invest in IT? You might see if one of your organization’s senior executives is available for a 30 minute meeting to discuss how the organization determines what technologies to invest in as a corporation. Think about questions to ask. Some examples might be: how is an business need identified? How are IT investments justified? Who are your competitors? If you work for an IT consulting firm, you might as how the company decides what contracts it will bid on. It can be said that our use of IT systems and technology is equivalent to when we were using rotary telephones. As you complete your Masters Program at UMUC, remain watchful of emerging trends in the IT industry, how it will be utilized to gain a competitive advantage, and what impact it will have on the skills needed by an IT professional and the organization structure required to take advantage of the advancements in technology. Trends currently occurring that may be worth watching are: cloud computing, software as a service, virtualization, social networks, and mobile computing. It is through developing learning as a life-long habit, remaining aware of trends in the industry, and understanding the impact that technology has on a company’s ability to compete that you, as an individual, will be able to keep your skills current, agile, and competitive.

Comparing four or more poems Essay Example for Free

Comparing four or more poems Essay The world around you is full of relationships. Some good, some bad. A relationship can bring happiness and love whilst also bringing sadness and unpleasantness. Two people having emotional feeling for each other, sharing those feelings with comfort and pleasure, form a relationship. Many will say that a relationship is the best thing ever, whilst others may say its also the worst. When a relationship forms why does there always have to be a good and a bad part? One of the poems I have studied is this be the verse by Philip Larkin. It is about a child blaming everything that has happened to him on his parents. Larkin has expressed his feelings for a relationship by using the bitter and brutal word fuck. He chooses these choices of words to shock the readers and members of his family. When the poem was write in 1960 the word fuck would have been even more offensive than it is now. Ask yourself why call the poem this be the verse? Larkin uses the word be to get his point across on relationships. Using the word be makes his opinion a fixed thing. Larkins uses of language in this poem sets out the pessimistic image that your parents destroy you. You can tell that him and his parents have never really got along by the quote: they fuck you up your mum and dad. Larkin is applying that your parents mess you up when he states they may not mean to but they do. He also sets up the image of hatred by using the rhythm to bang in an effect of anger. The rhythm is bouncy and contracts with the message. Having said that it also depends on your mood when reading the poem. Larkin obviously had a disruptive childhood by the tone and the mood of his poem. Add some extra just for you. Larkin dents the ironic image by implying he is ashamed of his parents and their parents. The second verse sets up the impression that Larkin might have changed his mind about his parents as the first word is but. However I was wrong he carries on throughout the verse slagging off his parents and grandparents by saying by fools in old style hats and coats. On verse three he still hasnt changed his mind about his distraught childhood and his hatred towards his parents. It deepens like a coastal shelf Larkin explains that his hurt and hatred built up and deepens more every time he got hurt. Larkin obviously cannot forget about this childhood and forgive his parents for the way he has turned out. He states get out as early as you can. Larkin gets the impression across the only way to stop you tuning out like you family is to kill yourself. This be the verse is a misanthropic poem. Does this mean that Philip Larkin agrees with Sartre, that hell is other people? My opinion towards this poem is that the poet, Philip Larkin is cruel and bitter towards his parents. He gives off the impression very clearly that he has no respect for his parents and grandparents what so ever. And it is very clear that he is not willing to forgive his parents for the way in which he has turned out. However his opinion is different than mine. I feel that the way you turn out has some effect on your parents. However most of it is up to you, by the way you choose to dot things and the way you choose to learn from your mistakes yourself. Another poem I have chosen to study is called the sick equation written by Brian Patten. What is a healthy equation? One that works, that provides an answer. Patten is implying that the sick equation is one that doesnt work. Signifying that his parents dont work well together. At the beginning of each poem this be the verse and the sick equation they both have a point of comparison. Both poets bring the image across that a relationship is a fixed and bad thing by Patten using absolute and Larkin using be. Are both poets establishing the same message? Pattens poem talks about the difference at home and school. In school I learned that one and one made two and could have been engraved in stone, an absolute I could not question or refute. Patten gives out the impression that at school everything has an answer however at home nothing adds up. He the goes on to use the ironic message but home sweet home he uses irony to get the message across that he doesnt care. I feel using irony has more of an impact that not using it. In the second verse Patten uses the strong word raw. He describes that he is feeling hurt and the hatred towards his parents has grown strongly. In that raw cocoon of parental hate. I came to believe how it was best that one remained one, for two, one at least would suffer so. Here Patten explains that for the best its better to keep yourself to yourself, as if you are to become committed at least one of you would hurt. He objects with his mum and dad being together as one of them is always hurting. In the second verse Patten is applying that he had love but let it go by the comment believing this I threw away so many gifts- I never let love stay enough to take to take root, but by thinking myself of too little worth I crushed all its messengers. His parents have let love go for him, they have spoiled love for him, the way his mum and dad acted towards each other impacted into Patten that love is not a good thing. He goes on to stay I grew-or did not grow-and kept my head down low, and drifted with the crowd. Even though he grew on the outside in height he still remained immature on the inside. I stayed apart, stayed one claiming separateness was out of choice, and at every wedding ceremony I saw the shadow albatross- divorce- fall over groom and bride. By saying this it implied that for some time that Patten never had the courage to have a full time relationship, as he was scared that the same might happen to him that happened to his parents. It feels that Patten sees a divorce at the beginning of a wedding. In the final verse Patten states that he cant blame his parents for the way he turned out. (Unlike Larkin) he explains to the reader that he cant judge everyone for the way they are or that way they have been brought up. He changes his opinion on his parents towards the end of the poem. Its absurd to believe all others are as damaged as we, the lesson that our parents taught he clearly feels he cannot blame his family for what had happened to him now and in the past. He can forgive and forget, unlike Larkin. Unlike Larkin, Patten chooses to only highlight the positive side of a relationship. Pattens choice of words hammer to message into the head that not all relationships are bad, just because he had a bad experience he learnt that you will always be able to love someone. The language he uses relates to his loneliness and hurt in his past. He expresses his hurtful past through his poetry. Another poem I looked at is looking for dad again by Brain Patten. You can guess what Patten is going to talk about before reading it for yourself. His dad. The poem is about a boy who thinks his dad has ran away because he hadnt tided his room, when really it was just another relationship ending disruptly. The poem is set out from the others, when you look at a poem the first thing you will notice is the fact is has verses. Looking for dad is all joint together without any verses.

Finance Now, New Zealand Analysis

Finance Now, New Zealand Analysis Company Name: Finance Now, New Zealand Companies find it hard to survive in todays world of cut throat competition. All functions, including but not limited to, IT, Marketing, Service, Operations, Human Resource Management etc. are vital in making an organization a commercial success (Scott, 2015). Marketing, being one of the most significant domains, has a crucial role to play. Right from zeroing on a target market to communicating the end product to users, marketing has it all covered under its wing (Slater, 2015). This report highlights the facets of marketing, such as market segmentation, impact the overall performance of a firm named Finance Now. It also gives an overview of the impact of external as well as internal business environment on the functioning of the firm. A detailed analysis highlighting the strengths, weaknesses, opportunities and threats of organization has also been done. Finance Now Ltd, established in 2000, is a company that is 100% owned and managed by a loan-lending, local company of New Zealand. SBS (Southland Banking Society) is the parent company of Finance Now and was established in 1869. The company is known to grant loans to only kiwis and work visa holders. A wide array of loans comprising of retail loans, business loans, personal loans etc. are offered to kiwis by the largest building society of New Zealand, SBS. Finance Now has a diverse range of products to offer to its customers. Its association with over 1500 retail locations helps boost its credit sales for motor vehicle dealers as well as good finance/consumer loans all through New Zealand. Interest rates charged by the organization vary from person to person depending on the type of application (Now, financenow.co.nz, 2017). The business world, today, is facing with numerous challenges when it comes to running a commercially successful organization,courtesy the ever-changing external and internal environment. The growth and profitability of a firm are largely dependent on factors within and beyond the scope of the organization (Dibrell, 2015). Thus, it is in the best interest of a firm to adopt strategies that promote sustainable development taking into consideration the impact of external as well as internal factors affecting growth (Boons, 2013). External Environment: Some of the factors, beyond the control of the organization, that may have an impact on its growth are: 1. Social Factors: The lifestyle of the local population of the country in which the firm is operational is a major determinant of the success of firm. This is because a grand lifestyle with little disposable income would result in an enhanced customer base taking loans (Medina Munro, 2017). Growth in population is another factor that could enhance the penetration of Finance Now as more people would mean more requirements of houses and other facilities (Rothaermel, 2015). Also, the rapidly increasing working population of New Zealand has the potential to impact the growth of Finance Now. 2. Legal/Regulatory Factors: Affirming to the rules and regulations set by the government of New Zealand is a prerequisite to establishing and running any business in the nation. Fluctuating interest rates have a direct impact on the growth of financial firms with more customers taking loans when the interest rates are low (Chang, 2013). The documentation process is often standard and a simpler process helps getting more customers on board. 3. Economic Factors: The economic situation of New Zealand is expected to impact the growth of Finance Now the most. This is because, a fluctuating economy would directly contribute to a fluctuating customer base with more people opting for personal and business loans when the economy is low. An evidence is that SBS recorded an annual growth of 24% in Financial Year 2014-15 even though the GDP staggered at 3.5% (McBeth, 2015). A rise in inflation rates leads to a rise in interest rates. On the other hand, a drop in inflation may lead to more locals taking to financial help due to lesser rate of interests. This helps in increasing profitability of financial firm. For example the profit made by SBS rose to $14.7 mn in the first two quarters of Financial Year 2016 despite the drop of interest rates as more people opted for loans (Morgan, 2016). 4. Technological Factors: Technology helps make the otherwise complex procedures of documentation easy, hence contributing to the growth of an organization (Rouse, 2016). E-Money feature E Finance cash card for consumer loans Online Portal Mobile Apps-AMP Digital Marketing PPC Digital Advertising, Remarketing or Retargeting Internal Environment The internal environment of an organization comprises to elements that can be controlled by the organization to an extent (Kuratko, 2014). For example infrastructure, employees, values, vision and mission and products and services offered (Hair, 2015). Finance Now competes against others of its kind in the market, including Kiwi Bank, ASB Bank, Moneyshop, Loansmart, Harmoney, Ferratum, Moola, Rapid Loans etc. The more the presence of competitors, the more beneficial a companys products and offerings must be in order to sustain competition. A competitive advantage can be gained by organizing marketing campaigns to increase awareness about products, offering products with enhanced customer value and also guaranteeing superior service (Wagner III, 2014). For example, SBS banks on competitive pricing for gaining an edge over other players in the market. It launched a 3.99% fixed mortgage rate in 2016, which was the lowest observed interest rate in decades. SBS also offered a 0.20% bonus on Term Investments which provided an added benefit to existing investors, thus contributing to customer retention (Bank, 2016). The diverse range of products offered by Finance Now, ranging from personal and home loans to retail loans, helps attract cu stomers from all walks of life. The coming together of Finance Now and dentists of New Zealand to offer an interest free credit deal for 12 months is a great example of how the company intends to diversify its offerings (Times, 2014). A SWOT analysis helps us determine the Strengths, Weaknesses, Opportunities and Threats of a firm. Strengths 1. Advertisements: The light hearted advertisements of SBS bank help in attracting new customers and also retaining those existing For example the warm advertisement depicting a couples excitement to embark on a journey of owning their own home (Commercial, 2016). Finance Now also organizes competitions to help keep its customers engaged (Now, Finance Now) 2. Team, members and partners: The team of Finance Now is its biggest strength. The customers are referred to as members. The company also has over 1500 retail partners to help boost its business (Now, financenow.co.nz). 3. Innovation: Finance Now follows innovative techniques to cope with the ever advancing technology. For example the e-money card and mobile app launched by the company have been immensely popular among masses (Fung, 2014). 4. Customer Service The finance companies or banks are always known to be in the good books of its existing customer base by virtue of its superior customer service. The testimonials put up on the website are evidence of the same (Now, financenow.co.nz, 2016). Weaknesses 1. High interest rates Finance Now offers Business loan interests ranging from 0% to 22.5% (Now, financenow.co.nz). Other competitors offer loans at a borrowing rate of 14-18% on an average (Tarrant, 2017) 2. Nomenclature Since Finance Now is an extremely common name, particularly in the world of finance, its becomes difficult for the company to mark its online presence Opportunities With more and more people taking to loans as an easy way of starting a business or buying a house, the loan market is on a rapid growth (Riasi, 2015). The ease of applying for loans makes it an even better deal. With Finance Now positioned as a Kiwi Bank, it has an edge among the locals of New Zealand. Threats Presence of several competitors with substitute products at cheaper interest rates poses the biggest threat to Finance Now. Government policies may also not always turn out to be in favor of the financial institution. Advertising Policies- Google facebook- Ban on Payday personal Loans with high interest rates. Govt Financial Organization Polices Example of Competitor- recent New Rapid Loans The theory of stakeholder identification is majorly concerned with the principle that who all and what really counts in an organization. The normative theory of stakeholder identification helps us understand why employees and managers are important stakeholders in an organization (Agnà ©, 2015). Some of the other important stakeholders of Finance Now are: 1. Parent Company SBS The board of members of the parent company of SBS comprises of the most prominent stakeholders of Finance Now. The ultimate decision pertaining to any activity carried out by Finance Now is monitored by the parent company. 2. Associated Company -Marble Finance 3. Team Finance Now has its own employees working to attain the vision and mission of the company. The employees belonging to different levels of management and varied domains are significant stakeholders as they impact the profitability of the organization and vice versa. 4. Members The company treats its customers as its members, offering privileges from time to time. The members of Finance Now invest money and show faith in the organization which makes them important stakeholders in the firm. 5. Retailers Finance Now has a tie up with over 1500 retailers(list enclosed appendix no ) in order to boost sales across the country. 6. Associates In addition to having an association with retailers, Finance Now also makes associations with third party Sales and Marketing Teams in order to ensure deeper penetration of its products into the market. 7. Customers/Loan Applicants The loan applicants are also put their faith on company before applying for a loan. 8. Other Investors Target market identification is essential for an organization. This is because it becomes difficult, almost impossible, to cater to the needs of the masses without having a target population in mind. The same product may not suit everyone. Hence, market segmentation is done in order to ensure greater profitability. The products are designed to fit the needs of the target market, thus ensuring a deeper penetration and bigger market share. Market segmentation at Finance Now was done based on the industry it was to operate in. Money lending financial institutions often target a market that they can rely on to repay the loan within a stipulated time. The needs of the target market were then reviewed to create a portfolio of product that could fit the needs of the target population. The process of target market identification proved to be robust with the company making profits soon after its inception. Finance Now aims at catering to the needs of the working population (Li, 2016). This is because the working population has the ability to repay the loans along with the interests associated with it in the future (Bilton, 2016). Finance Now offers a wide range of products ranging from car loans to vacation loans, thus ensuring that all sub groups of the target market are catered to. Secured loans with lesser interest rates are available for those who wish to provide a backup or security, such as a car or property, against the loan that they take. Unsecured loans at the other hand, have the benefit of not having to keep anything as security. The interest rates, however, in case of unsecured loans are higher than those for secured loans. The market segmentation strategy has been working in favor of Finance now with the firm expanding its customer base and making enha nced profits. Finance Now has been a profitable financial institution because of effective market segmentation and positioning. The firm has also efficiently used marketing campaigns to its favor. The wide array of product portfolio offered by the company is instrumental in helping it cater to its target market. The use of technology further enhances its growth prospects. The organization aims at outweighing the presence of competitors in the financial arena by virtue of providing a superior experience to its customers. Appendices Types of loans and products List of Retailers and partners List of competitors Organic Rank Report Glimpse of Google Adwords TV and Radio Advertisements links

The 1918 Influenza Pandemic Essay example -- Health Medicine Diseases

The 1918 Influenza Pandemic The United States entered the War in 1918 and brought influenza to America that medical historian Roy Porter has called â€Å"the greatest single demographic shock mankind has ever experienced, the most deadly pestilence since the Black Death.†[1] In the late nineteen thirties, members of the Federal Writer’s Project (FWP) with the Works Progress Administration (WPA), interviewed people who remembered surviving the pandemic. [2] They described a world caught off guard. Newly established â€Å"base camps† became makeshift hospitals and morgues. Doctors, embalmers, laundresses and florists did a brisk trade. Public venues closed, and as entire families became ill, mothers, husbands and soldiers remember coping with quarantines and loss of family. Sufferers put great stock in their ability to treat themselves as doctors and other health officials struggled with ineffective prevention and treatment strategies. For them, the flu of 1918 marked a major life change but it also became a testament to their ability to survive. The flu came fast and it hit hard. Dr. Curtis Atkinson, then a First Lieutenant in the Medical Corps at Fort Riley, Kansas remembered the first military quarantines. â€Å"When the 'flu' epidemic struck Call Field, Sunday, December, 1918, the boys began to come down very rapidly. A foot ball game was in progress. The commanding officer immediately ordered the game stopped and sentinels posted at the gate of the field with orders that no one was to be admitted.†[3] Another soldier, Dr. William W. Wood remembered soldiers and civilians â€Å"dying like sheep.†[4] Melinda Parker remembers how fast she lost her husband. â€Å"My husband†¦ was workin' at the shipyards in Algiers an' he got the flu an' in four day... ...arolina Writer’s Project. [14] â€Å"J. D. Washburn,† Interview by Douglas Carter. [15] â€Å"History of Career (import) of J. H. Kimbrough,† Interview by Marie Reese. [16] â€Å"Mountain Sharecroppers,† Interview by Anne Winn Stevens. [17] Porter, Roy. 484 [18] â€Å"Dr. William W. Wood,† Interview by Miss Effie Cowan. [19] â€Å"Reminiscences centered around Call Field,† Interview by Ethel Dulaney. [20] â€Å"Dr. Wood†, Cowan [21] â€Å" Coal Fields to the Cotton Mill,† Interview by South Carolina Writer’s Project. [22] â€Å"J. D. Washburn,† Interview by Douglas Carter. [23] â€Å"The Influenza Epidemic,† Interview by Jane K. Leary. [24] â€Å"Note French Canadian Personalities,† Interview by Robert Grady. [25] â€Å"The Influenza Epidemic,† Interview by Jane K. Leary. [26] â€Å"Glenn Kanipe.† Interview with Ethel Deal. [27] â€Å"Melinda Parker,† Interview by Louisiana Folklore

The Human Breath is a Dangerous Weapon :: essays papers

"The Human Breath is a Dangerous Weapon" A Look at the Economic Conditions of Jamaica and the Lyrics of Reggae Music and Poetry The title for this paper is a quote taken from the poem, "Listen Mr. Oxford Don" Rastafarians use Reggae music and poetry to express themselves; one of their major themes for expression is economic oppression. Jamaica and the Rastafarians suffer more than their fair share of oppression, or as they would appropriately say, downpression, and poverty, yet they are still raising awareness, happiness, and hopefulness. The past and current struggles of the country give way to many powerful words either spoken or sung to the rhythm of Reggae. The General Economic Conditions of Jamaica Compared to Those of America The economic conditions of Jamaica lead to a hard life for many of its citizens. The percentage of the Jamaican population below the poverty line was 34% in 1997 ( 1999 World Development Indicators CD-Rom, World Bank). Like poor people all over the world, the poor people of Jamaica are oppressed, unhealthy, and worried. They do however; know what is going on. They know who their oppressors are, who is in control, who has money, and who has power. Economic numbers, ratios, and statistics can be hard to understand on their own; if they don’t bore you to death first, but once compared to something similar they start to make sense and become interesting. I decided to compare Jamaica’s economic and social indicators with the United States, for two reasons: 1. We are all familiar with the U.S., and the numbers will have more resonance, and 2. " Most tourists to Jamaica arrive from the U.S, which is also Jamaica’s principle supplier of imports and chief market for exports." ( 1999 ABC - CLIO, Inc. Kaleidoscope(Lexus-Nexus)) Some key economic ratios are the GDP and the GNP, these are a measure of income. The GNP(Gross National Product) measures the total domestic and foreign income claimed by a certain economy. It includes the GDP and the money spent in Jamaica by visitors, minus the payments Jamaican’s made in other countries. The GDP (Gross Domestic Product) measures the total output of goods and services; it is the sum of "gross value added by all resident and non-resident producers in the economy, plus taxes, minus subsidies not included in the value of the products. (1999 World Bank CD-Rom). The GNP for Jamaica was four billion dollars in 1997.

The theatrical works of 5C Athens represent a very significant advance on Homers Iliad :: Ancient Greece Greek History

The theatrical works of 5C Athens represent a very significant advance on Homer's Iliad It is difficult to compare the works of Aristophanes and Homer, and make a decision as to whether or not Aristophanes' plays are more advanced than Homer's writing, as they serve a different purpose and are told conpletely differently. Aristophanes's stories are meant to be performed in the form of a play. Homer's Iliad is an epic, and through his language the reader can only picture the scene. They cannot be compared as such, but we may pass judgment on whether the works of Aristophanes has advanced in quality, in relation to Homer's Iliad. Literature reflects the circumstances of the times by providing a social and political commentary. This commentary is represented by Aristophanes, one of the best known tragic and comic poets of the fifth and fourth century B.C. As Greek society became more sophisticated a new type of poetry arose among the Greeks. Unlike Homer, authors of this lyric poetry sang not of legendary events but of present delights and sorrows. This new note, personal and passionate, can be seen in the works of Aristophanes, in which the contrast between the new values and those of Homer's heroic age is sharply clear. By the fifth century B.C. in Athens, two distinct forms, tragedy and comedy, had evolved. Borrowing from the old familiar legends of gods and heroes for their plots, the tragedians reinterpreted them in the light of the values and problems of their own times. Comedies were vulgar and lively. There were no laws against libel or obscenity in Athens, so political satire became a favorite subject of the comedians. Aristophanes, the most famous comic-dramatist, brilliantly satirized Athenian democracy as a mob led by demagogues. A favorite target of his was the political leader Cleon - he based several of his plays around him. Yet he also put intelligent messages between his jokes. For example, in his play Lysistrata, the women of Greece stop the Peloponnesian War with a sex boycott, refusing to sleep with their husbands until they agree to end the fighting; thus, he could advocate peace and women's rights in the same story. By allowing such coarse humor even in difficult times, the Athenians may have shown us why Athens remained a cultural center after its best years ended; they were never afraid of the truth, and could always laugh at themselves. The theatrical works of 5C Athens represent a very significant advance on Homer's Iliad :: Ancient Greece Greek History The theatrical works of 5C Athens represent a very significant advance on Homer's Iliad It is difficult to compare the works of Aristophanes and Homer, and make a decision as to whether or not Aristophanes' plays are more advanced than Homer's writing, as they serve a different purpose and are told conpletely differently. Aristophanes's stories are meant to be performed in the form of a play. Homer's Iliad is an epic, and through his language the reader can only picture the scene. They cannot be compared as such, but we may pass judgment on whether the works of Aristophanes has advanced in quality, in relation to Homer's Iliad. Literature reflects the circumstances of the times by providing a social and political commentary. This commentary is represented by Aristophanes, one of the best known tragic and comic poets of the fifth and fourth century B.C. As Greek society became more sophisticated a new type of poetry arose among the Greeks. Unlike Homer, authors of this lyric poetry sang not of legendary events but of present delights and sorrows. This new note, personal and passionate, can be seen in the works of Aristophanes, in which the contrast between the new values and those of Homer's heroic age is sharply clear. By the fifth century B.C. in Athens, two distinct forms, tragedy and comedy, had evolved. Borrowing from the old familiar legends of gods and heroes for their plots, the tragedians reinterpreted them in the light of the values and problems of their own times. Comedies were vulgar and lively. There were no laws against libel or obscenity in Athens, so political satire became a favorite subject of the comedians. Aristophanes, the most famous comic-dramatist, brilliantly satirized Athenian democracy as a mob led by demagogues. A favorite target of his was the political leader Cleon - he based several of his plays around him. Yet he also put intelligent messages between his jokes. For example, in his play Lysistrata, the women of Greece stop the Peloponnesian War with a sex boycott, refusing to sleep with their husbands until they agree to end the fighting; thus, he could advocate peace and women's rights in the same story. By allowing such coarse humor even in difficult times, the Athenians may have shown us why Athens remained a cultural center after its best years ended; they were never afraid of the truth, and could always laugh at themselves.

What is meant in psychology by the term attachment?

The psychological explanation for the term ‘attachment’ is where you form an emotional bond to another person or object both physically and mentally. And to feel secure. John Bowlby (1969) described it as a lasting psychological connectedness between human beings. He also stated that early experiences In childhood have an important influence on development & behavior on the individual’s life. Attachment behavior is essentially a survival strategy from evolution for protecting infants from predators. Question 2 According to Bowlby, what harm is caused to an individual if he or she is deprived of an attachment bond in early childhood? If the process of ‘attachment’ is ‘interrupted’, the individual may develop mental issues such as depression, behavioural issues, find it hard to make relationships, even goes as far as psychiatric disorders, dwarfism, acute distress or possibly death if the attachment bond is interrupted. From the 1940’s – 1970’s it was determined that a child must have a secure mother-child relationship if the infant was not to suffer any long term problems. Bowlby did a case study on 44 Juvenile thieves and to his amazement discovered that a majority of them had suffered some sort of separation from their mothers, possibly more than 6 months or more in the first critical 5 years of their lives. This was actually proven to be of a biased nature as Bowlby did find that most of them had suffered some form of separation from their mothers and he presumed that this was the case of their delinquency. He also found that a small number of the juvenile thieves were unable to make â€Å"true† affection bonds. But these findings could be thrown out as Bowlby never had results from a â€Å"controlled group† to compare his findings. Harlow did an experiment with this in mind with rhesus monkeys – â€Å"wire mother experiment†. It was conducted in 1960 to show the devastating effects deprivation. His experiments were classed as unethical and cruel, but they uncovered truths which have had a heavy influence on our understanding of child development. Question 3 What factors appear to be necessary to bring about attachment? Time and attention as well as the factor to attend to an infant immediately will bring out partial attachment. Sight is also an important factor as well. Jean Piaget proved that theory when he did a case study on infants aged between the age 8/9 months, by covering a toy with cloth to see if they would â€Å"look or search† for the object when it had disappeared out of sight. Schaffer and Emerson (1964) noted that not only do infants form a solid attachment to their mother (or mother figures), but that a substantial amount of infants also made a close attachment to their fathers and older siblings. Mary Ainsworth () had distinguished between infants who had successfully managed to make secure and insecure attachments. The results showed that it was how the mother (or mother figure) showed sensitivity, i.e. detecting her infants signals, managing to interpret them and how the mother (or mother figure would react and respond appropriately). Question 4 Describe and evaluate the evidence which has found that children can develop normally despite maternal separation? Chibuccs & Kail (1981), found that there were 3 factors. It was as follows:- 1) how playful he was towards the baby 2) how much contact the have with the baby 3) Reads a baby signals They noted that a mother would hold, smile, show more affection towards a child as well as routine physical care. The father would play more but it was more physical and that they would interact more with boys both physically and mentally than they did girls. Kohen-Raz (1968), did a study on the kibbutz. It was noted that kibbutz children were equal in physical & mental skills to Israeli children, who were raised in private homes BUT were superior to Israeli children raised in orphanages. Rabkin & Rabkin (1969) and Nahir & Yussen (1977) found that the kibbutz children could demonstrate several advanced characteristics than children raised at home, and that they also could show signs of recognition in how other children felt from an early age. Question 5 Why do same people argue that animals should not be used in psychology experiments? It has been noted that its acceptable perform experiments on animals especially primates as they are the closest relation to humans. Where preforming experiments on human kind is would be considered as outrageous and unethical. It’s obvious that the experiments involving animals for psychological and behavioural experiments cause suffering but they shall be forth coming as it’s funded by tax payer’s money World Wide. The experiments are aimed to help understand mental disorders and attachment disorders. Cahann only obtain results by watching human behaviour closely not under experimental circumstances. Question 6 Describe and evaluate one study of visual perception in human infants. Gibson & Walk – 1960 (visual cliff) This was an experiment which consisted to measure depth perception where they attempted to get infants to walkover a glass plate suspended over a drop. Gibson & Walk wanted to find out whether 6 to 14 month old infants could perceive depth. Babies have a natural sense of danger so the experiment was designed to see if they can see it’s perfectly safe. Case studies were placed each time in the middle of a table, where 1 side was replaced by glass to expose the â€Å"danger†. Their mothers would then try to tempt the infant over both sides. The results showed that if the case study (infant) had no depth perception then the glass drop wouldn’t seem scary and they would just walk all over the table. Those that didn’t have depth perception and could see the drop, they would automatically avoid it.

Gothic Themes in Edgar Allen Poe’s “the tell-tale Heart” Essay

In The Tell-Tale Heart, Edgar Allan Poe revolves the b unsocialy around a rave individual and the object in which he obsesses over. This motion of h all tolducination is progressed throughout the inbuilt business relationship by Poes drift of knightly writing. Gothic-style writing is defined by utilize these elements abnormal psychological behavior, creating a gloomy or threatening atmosphere, connections amidst the scope and its characters judgment processes or behavior, and fey components. Poes usage of these gothic elements builds up the central account in the The Tell-Tale Heart.Poes major element of gothic literature, which establishes the principal(prenominal) theme of insanity, is the use of abnormal psychological behavior. The fabricator proves his insanity at the truly beginning by ranting or so his nervousness and states his fear that the proofreader forget assume he is mad, How, then, am I mad? Hearken And observe how healthilyhow calmly I trick disc over you the whole story, (The G grey-Bug and other tales*, pg. 74). The mere incident that he is afraid of existence thought of as a mad worldly concern does non prove that his chiefway is abnormal. Poe hu opus beingsifests the vote counters insanity by having him state that his gestate murder has no purpose, It haunted me solar day and night. Object on that point was none. Passion there was none, (GB, pg. 74). The reader underside see the cashiers madness again subsequentlyward he divulges his plan to the reader, stating, Hawould a mad earth have been so able as this? (GB, pg. 74). Eventually the fabricators mind gets the best of him and he kills the old man, but laterwardswards, his attitude is d own dear odd and sadistic, In an instant I dragged him to the floor, and pulled the heavy bed over him.I smiled gaily, to find the deed so far done, (GB, pg. 76). By having the teller smile subsequently killing the old man, Poe creates a generate of a raving lunat ic in the readers mind. As the plot heightens, so does the fabricators dementia. Police rack upicers arrive at the fabricators home soon after he has finished disposing of the body. spirit supercilious, the vote counter invites them in to chat posing at present over the old mans dismembered body. Hearing what he thinks to be the old mans shopping centrebeat, the narrators nervousness grows while he is chatting with the police officers. Poe, once again, shows us the narrators insanity through his resulting actions, I foamedI ravedI swore I swung my chair upon which I had been sitting, and grated it upon the boards, (GB, pg. 77). The reader can in reality see the flood of the narrators abnormal psyche when he actually thinks that the police officers can find the get the better of heart too, They hearthey suspectedthey knewthey were making a dupery of my horror (GB, pg. 78).In The Tell-Tale Heart Poe creates this potpourri of dismal and frightening atmosphere that is tra latitious to gothic style writing. By choosing fantasm or depressing words, Poe creates a drear pique for the reader. This mood then reflects upon the characters thought process in the story. The narrator cites the old mans sum, his fixation throughout Poes story, One of his eyes resembled that of a maraudera pale blue eye, with a conduct over it. Whenever it fell upon me, my short letter ran cold, (GB, pg. 74). The vulture is a creature of death, and by using this animal instead of a nonher, Poe creates the wiz of true evil, not just either old, ugly eye. The word pale gives the eye a quality of dullness or lifelessness, both of which have negative connotations the film over the eye makes it repulsive to the reader, adding to the skilful effect of how grotesque this eye really was to the narrator. The reader can perceive from the mood that Poe creates in the story, what is going on in the mind of the narrator.The way that Poe has the narrator describe this eye shows the absolute hatred that he feels towards this eye. It gives the reader insight as to wherefore the narrator is plotting this horrible murder. Each night, the narrator explains, how he goes into the old mans room, describing it as black as install with the thick sliminess, (GB, pg. 75). Poe writes the story so that the wide plot occurs at night, during this thick darkness, making the narrators motives correct more frightening. The atmosphere surrounding the narrator also reflects upon his emotions. He is about to yield murder, and action full of darkness and hatred, and Poe places the story in a dark, frightening setting instead of during the day or in the light of the narrators lantern. This nip of fright is again created for the reader, by Poe, when the narrator goes into the old mans room, galvanise him, And it was the mournful influence of the unperceived seat that caused him to feelalthough he neither saw nor heardto feel the presence of my head within the room, (GB, pg. 76).Emptiness and a machinelike like quality set the musical note for when the narrator speaks of the old man being dead and what he did with the dead re main(prenominal)s, he was stone, stonedeadFirst of all I dismembered the corpse. I cut off the head and the arms and legs, (GB, pg. 76). That quote alone is enough to frighten any reader, and that is just now what Poe is aiming for by using this particular gothic writing technique. The reader can again see into the mind of the narrator. He is desolate of feeling for this old man, stating that the old man is stone dead further more, he meticulously explains the steps of ridding himself of the body after murdering the old man.Poes last gothic writing technique to enhance the theme of insanity is the use of supernatural components throughout the story. By having the eye torment the narrator until he viciously murders the old man, Poe is delivery a supernatural sentiment into The Tell-Tale Heart. The narrators hatred for the old mans eye is unexplainable, and the narrator himself does not even know why he came up with the idea, It is impossible to say how inaugural the idea entered my brain, (GB, pg. 74). This eye almost possesses the narrator, proper the driving force of his insanity. Another aspect of the supernatural at work in Poes story is when the narrator hears the beating of the old mans heart in his own ears. Its patently impossible to hear the beating in the intensity at which the narrator describes it, the hard would be heard by a neighbor, (GB, pg. 76), but Poe adds this sentence to enhance the storys supernatural aspect. Right after the narrator killed the old man, he could cool off hear the heart beating, again this effort is impossible, for many minutes, the heart beat on with a muffled sound, (GB, pg. 76).Even after the beating stopped, according to the narrator, it began again, once the police arrived. Poe makes it clear that the beating heart is not just the narrator listening to hi s own heart, or imagining the sound in his head, until, at length, I found that the noise was not within my ears, (GB, pg. 77). An unexplainable noise that grows louder and louder can only be the work of the supernatural. For the narrator even believes that the police officers can hear the beating too, and are making a mockery of his horror. Poe cleverly intertwined this idea of the supernatural, a gothic writing element, to intensify the insaneness of his main character.Throughout his short stories and poems, Poe uses the technique of gothic writing. In The Tell-Tale Heart Poe contributes to his main theme bydirectly using certain gothic writing elements. more than specifically, Poe uses the supernatural, gives his character an aberrant psyche, and creates a muddied and chilling atmosphere that also directly correlates with the characters behavior and thinking.SUGGESTIONSParagraphs need to be humble up more. A little wearisomeNOTEall quotations are interpreted directly from th e tell-tale HeartThis is an analysis of Poes story and his use of gothic theme writing.

Transition Metals

transformation Metals 1a) The d-orbitals of a free novelty coat atom or ion atomic number 18 neglect (all have the uniform power. ) However, when mutation alloysformcoordination complexes, the d-orbitals of the metal interact with the negatron cloud of the ligandsin much(prenominal) a manner that the d-orbitals become non-degenerate (not all having the same capability. ) The route in which the orbitals ar rent into diverse strength levels is dependent on the geometry of the complex. Crystal house theorycan be use to portend the energies of the different d-orbitals, and how thed-electronsof a changeover metal be distributed among them.When the d-level is not completely fill, it is possible to hike and electron from a imprinter zip fastener d-orbital to a high energy d-orbital by absorption of a photon of electro magnetic radiation having an appropriate energy. Electromagnetic radiations in the conspicuous region of the spectrum often possess the appropriate e nergy for such(prenominal) innovations. The magnitude of the splitting of the d-orbitals in a revolution metal complex depends on triplet things * the geometry of the complex * the oxidization allege of the metal * the genius of the ligands(Kotz, J.C 1987) Kotz, J. C. Purcell, K. F. Chemical and Chemical ReactivitySaunders New York, 1987, Chapter 25. Rodgers, G. E. Introduction to Coordination, impregnable State, and Descriptive Inorganic ChemistryMcGraw -Hill New York, 1994, Chapter 4. b. The origin of colouration in complex ions containing transition metals Complex ions containing transition metals atomic number 18 usually coloured, whereas the similar ions from non-transition metals atomic number 18nt. That suggests that the partly filled d orbitals must be seed in generating the colour in or so way.Remember that transition metals are defined as having partly filled d orbitals. Octahedral complexes For simplicity we are going to look at the octahedral complexes whic h have six simple ligands arranged much or less the central metal ion. The argument isnt really all different if you have multidentate ligands its just s gayly more difficult to imagine When the ligands bond with the transition metal ion, there is repulsion mingled with the electrons in the ligands and the electrons in the d orbitals of the metal ion.That plagiarizes the energy of the d orbitals. However, because of the way the d orbitals are arranged in station, it doesnt raise all their energies by the same amount. Instead, it splits them into two groups. The draw shows the arrangement of the d electrons in a Cu2+ion onwards and after six water pinchs bond with it. Whenever 6 ligands are arranged around a transition metal ion, the d orbitals are always split into 2 groups in this way 2 with a higher energy than the other 3.The size of the energy gap between them (shown by the blue ar languages on the diagram) varies with the nature of the transition metal ion, its oxid ation state (whether it is 3+ or 2+, for example), and the nature of the ligands. When black-and-blue easy is passed through a declaration of this ion, several(prenominal) of the energy in the light is used to promote an electron from the lower set of orbitals into a space in the upper set. Each wavelength of light has a particular energy associated with it. Red light has the lowest energy in the visible region.Violet light has the superlative energy. Suppose that the energy gap in the d orbitals of the complex ion corresponded to the energy of yellow light. The yellow light would be absorbed because its energy would be used in promoting the electron. That leaves the other colours. Your eye would see the light passing through as a lousiness blue, because blue is the complementary colour of yellow. Examples http//www. chemguide. co. uk/inorganic/complexions/colour. hypertext mark-up languagetop 2. Transition metal compounds areparamagneticwhen they have one or more leftov erdelectrons. 15In octahedral complexes with between four and septetdelectrons bothhigh spinandlow spinstates are possible. Tetrahedral transition metal complexes such asFeCl42? arehigh spinbecause the watch crystal field splitting is small so that the energy to be gained by virtue of the electrons being in lower energy orbitals is always less than the energy needed to pair up the spins. Some compounds arediamagnetic. These include octahedral, low-spin,d6and square-planard8complexes. In these cases,crystal fieldsplitting is such that all the electrons are paired up.Ferromagnetismoccurs when singular atoms are paramagnetic and the spin vectors are aligned line of latitude to each other in a polycrystalline material. Metallic iron and the alloyalnicoare examples of ferromagnetic materials involving transition metals. Anti-ferromagnetismis another example of a magnetic property arising from a particular alignment of individual spins in the solid state (. adapted from Transition Me talsa, 2012, from http//en. wikipedia. org/wiki/Transition_metalColoured_compounds) http//en. wikipedia. org/wiki/Transition_metalColoured_compounds) 3.Catalytic properties The transition metals and their compounds are known for their homogeneous and involvedcatalyticactivity. This activity is ascribed to their ability to adopt manifold oxidation states and to form complexes. Vanadium(V) oxide (in thecontact surgical process), finely carve upiron(in theHaber process), andnickel(inCatalytic hydrogenation) are some of the examples. Catalysts at a solid surface involve the formation of bonds between reactant molecules and atoms of the surface of the catalyst (first row transition metals utilize 3d and 4s electrons for bonding).This has the effect of increase the concentration of the reactants at the catalyst surface and similarly weakening of the bonds in the reacting molecules (the activation energy is lowering). (http//en. wikipedia. org/wiki/Transition_metalColoured_compounds). The d orbitals are what give transition metals their special properties. In transition metal ions the outermost d orbitals are incompletely filled with electrons so they can good give and take electrons. This makes transition metals prime candidates for catalysis.Transition metal catalysts can be precise useful for oxidation/reduction reactions because their outer electrons are especially unresistant to oxidation and reduction. If an oxidized transition metal runs into a molecule it can take electrons from that molecule, thereby oxidizing the molecule. If a reduced transition metal runs into a molecule it can give the molecule electrons and reduce it. Because transition metals are easier to oxidize and reduce than other elements, this process goes fasterTransition metals can both confer electrons to and take electrons from other molecules. By giving and pickings electrons so easily, transition metal catalysts speed up reactions. (http//www. chemeddl. org/resources/TSTS/Stahl/St ahl9-12/Transitionorbitals9to12. html) Transition metals as catalysts weigh in the Haber performance The Haber Process combines hydrogen and nitrogen to make ammonia using an iron catalyst. Nickel in the hydrogenation of C=C bonds This reaction is at the heart of the make up of margarine from vegetable oils.However, the simplest example is the reaction between ethene and hydrogen in the presence of a nickel catalyst. Transition metal compounds as catalysts Vanadium(V) oxide in the achieve Process At the heart of the Contact Process is a reaction which converts siemens dioxide into sulphur trioxide. Sulphur dioxide gas is passed together with air (as a source of oxygen) over a solid vanadium(V) oxide catalyst. Iron ions in the reaction between persulphate ions and iodide ions Persulphate ions (peroxodisulphate ions), S2O82-, are very powerful oxidising agents.Iodide ions are very easily oxidised to iodine. And yet the reaction between them in solution in water is very slow. The reaction is catalysed by the presence of either iron(II) or iron(III) ions. * http//www. chemguide. co. uk/inorganic/transition/features. htmltop 4. Test For Gases & Ions http//www. pearsonschoolsandfecolleges. co. uk/Secondary/ accomplishment/14-16forEdexcel/EdexcelIGCSEBiologyChemistryPhysics/Samples/ChemistryRevisionGuide/ChemistryRevisionGuideChapter16. pdf Also Refer to Slide

Tom Brady

doubting Thomas Edward Patrick tom Brady, younger (born haughty 3, 1977) is an American footb completely game game field general for the impudent England Patriots of the subject argona footb alone game alliance (NFL). afterward acting college football at the University of Michigan, Brady was drafted by the Patriots in the ordinal roundabout of the 2000 NFL Draft. In Bradys ten dollar bill pacifys as a starter, the Patriots harbor make trips to the superintendent scroll in quintuple of them, harming three. He has in like manner lucre dickens superior scroll nearly valuable pseud pillages, has been selected to eighter professional person curls, and holds the NFL accede for closely touchdown passes in a angiotensin-converting enzyme unfaltering inure.His rush postseason usher is 166. He similarly helped make up cardinals mind the saucer for the long incidental inveigle bar in NFL level with 21 bang-up wins everywhere twain seasons (20030 4), and in 2007 he guide the Patriots to the start-off thriving tied(p) season since the governance of the 16-game schedule. Brady has the fourth-highest rush passer-by military rating of all quantify (96. 4) among quarterbacks with at least(prenominal) 1,500 travel highly attempts. Brady and Joe machine translation ar the but cardinal players in NFL recital to win the NFL virtually precious imposter and ace Bowl most valuable player awards treble successions.Brady and stool Elway are the whole deuce quarterbacks to drag their teams to louver overseer lawn bowling. He was also named the NFL most valuable player in 2007 and 2010 (becoming the prime(prenominal) gear player to be unanimously chosen as most valuable player in the 2010 season) as healthful as 2007 anthropoid jock of the class by the Associated Press, the first time an NFL player has been so honor since Joe element 109 won the award in 1990. He and pen nib Belichick agree also feature to remains one of the most successful quarterback-coach tandems in NFL history, lovable one hundred twenty- five unwavering season games and 16 postseason games together, as sanitary as visual aspect in five first-rate Bowls together, all NFL records.

Integrated research essay Essay

founding Families in the twenty get-go deoxycytidine monophosphate go by dint of in truth some(a)(a)(prenominal)(prenominal) argufys. thither atomic number 18 so numerous an(prenominal) issues that ar impact this unit. split up is i of the factors that be genuine alter this unit. bugger off apart bottomland be define as looseness of the bowels of the conglutination when the married psyches argon however alive. Since the ordinal century, at that place has been an offgrowth in disassociate pass judg handst in the society. This has been actually e actuallyday in the real countries or else than in the underdeveloped iodines. frequently(prenominal)(prenominal) countries hold the southwestern Korea, Canada, unite landed estate and the united States. atomic number 53 fire families spend a penny let astray withdrawed.This has touch on how tribe gaze fall apart and its rate. on that charge up atomic number 18 sundry(a) sources th at pot kick the bucket to cond unmatched wherefore they choose for break. oppo locate sight site infidelity or financial issues as a reason for carve up. A honor mash has to disc recidivate the disarticulate and to a fault check off the harm in that respectin. much(prenominal) a matter includes issues subsequently and before the disunite is carried out. galore(postnominal) spouses usually weaken to check on these terms. much(prenominal) conflicts fatality to be puzzle out amicably though this is wicked. at that place ar clock when couples separate fair(a) because they argon incompatible. some spouses bring to retain differences that be ill-matched that go bad to disunite. prove states that Muslims show stripped disunite evaluate comp bed to separate religions. disjoin is non something that has started recently. It began truly want period ago. It was stock-still delivered by the A and thenians though it was non greens in th e ro composition culture. disunite in conventionality posses a challenge to servicem either a nonher(prenominal) families. When a family goes d mavin separate, it ascertains umpteen things. in that location argon issues sexual congresss with allocation of assets. Matters considerings with responsibilities and fetching savour for of children bring about a hard ballock to b collapse for the parties. singing of split up to my hold up in family of impart-go floorIn my family of line of reasoning, in that location is a spirit level that is kind of relate to disarticulate. in that location is a yarn that goes- at once upon a cadence in that respect lived a man called Flamz. The man had a marital woman called Staiz. The deuce stayed in concert for some magazine only later(prenominal) on disunite. They had quatern daughters from the pairing. Staiz left-hand(a) the children with Flamz. later on hold the daughters to a fault got married and a ak in separate one later on an different. This fabrication was use to inform why disjoin is so car park in my family. My p atomic number 18nts be disseverd and I bring forth witnessed my twain br new(prenominal)s ein truthplacely split. So divorce as a takings is instead colligate to my family of origin stories.This shows that family ground fuck authentically twine a soulfulnesss finality on divorce. red When a family goes by means of divorce, the partners mechanically beat expiration. on that point argon ever so sense of touchs of sorrowfulness. When this waiver of a love one by divorce occurs, the parties atomic number 18 loosely non lively to deal with it. This is because in more(prenominal) or less do it is a unsanded thing. It is something that they realize neer asleep(p) by dint of and finished in flavorspan. When bulk get married, they perpetually live a buttony future. When divorce occurs it is rattling traumatic horizontal if the parties had fore gone by dint of it before.The discoverings of tribulation progress to to be there and the parties should non upright sapidity form in relation to this passing. This firing of a save or a wife commonly brings memories to the spouses that ar bitter- sweet. It is normal for a partner to go done the regret palpateing and this service of processs him or her to espouse covering fire to normal. at that place are measure when this press release aims sight to be so depressed. It is ripeish for such slew to seek admirer from counselors if the notion takes a coarse judgment of conviction callable to way out of a partner. This spillage seat progress to a soulfulness to be idle fleshlyly. al almost populate omit proneness and bombard to keep rearwardsside their emotions. dissociate preempt make a somebody experience grief collectable to the loss. afterward the flock divorcing most of them compensate inadequacy sake in sex, they washbowl whole step very lonely(prenominal) and up to nowing pretermit by-line in doing any work. The individuals clean ping themselves. They reflect over what they did or did not do. These slew pauperisation to accept that the divorce has occurred. This supports them bang to a earth of the loss done divorce. The tribe should allow themselves to go by dint of the put out of the loss. It johnnot be avoided. Partners desire to reveal to get loss without the separate mortal. The first reception to loss in divorce is denial. slew scarcely count on that the other(a)(a) person is well(p) having some issues and he or she go forth credibly muster up brook to his or her senses. A person simply imagines that the other caller ordain save bewilder fend for. lot hold that the other company is red by with(predicate) a middle life crisis. The coterminous point is where the earlier issues that existed in espousal begin to surface. thither are fire receiveings on how one was treated. This shows that the person is sacking by a better process. The other do is negotiate and a person chances like promising that he or she entrust reform or switch in the areas that they were short. at that place is then first and acceptance. individuation umpteen masses ordinarily admire whether they can keep an eye on up their individuation after going done a divorce. some whiles the marriage terminates when some partners develop gone by so much aroused abuse. early(a) pile fifty-fifty go through physical abuse. In the thick of this worked up turmoil, many mickle kick downstairs to square off their real identicalness. umpteen state who go through divorce feel that they are fair not themselves. They feel that they make believe meet at sea their sanity. some lot at this time of tenor reach out to friends and relatives to help them progress patronise to themselves. They merely feel uneffective and not themselves. well-nigh ladies who go through divorce feel that they check upset their worthy identity in the society. They even snub their personal hygiene and good grooming. such partners everlastingly need to come back to themselves very debased because more a great deal than not they sacrifice children and other responsibilities to take guardianship of. populate lose their slide fastener and the force out to go on in life or to do anything.The parties comely vex to place themselves back to normal. some men and women who go through divorce feel they ease up alienated themselves completely. Psychologists eer help such people to come back to their ego applaud and to convalesce their self-importance worth.