Soils report Lab Example | Topics and Well Written Essays - 1250 words

Soils - Lab Report Example The dampness content at the limit is regularly characterized as the water content at which the two parts of the dirt cake will stream together for a separation of about half inch. The versatility record then again is the numerical distinction between as far as possible and as far as possible and this number is regularly dimensionless (Day, 2005). Both the fluid and as far as possible are utilized to communicate the dampness content in the dirt. The pliancy list is the distinction between as far as possible and as far as possible. For the union test, the weight void relationship in the dirt can be resolved. This information is significant in the assurance of the pressure file of the dirt and the pre-solidification pressure (Day, 2005). Furthermore, this information can be utilized o decide the coefficient of union of the dirt. The sifter test is completed to decide the level of the various grains that are contained in the dirt. The mechanical sifter investigation is done to decide the appropriation of the coarse and the medium grained grains. It must be directed inside the ASTM D 422 - Standard Test Method for Particle-Size Analysis of Soils. The dirt example is gauged and recorded. The extents of the particles are resolved on a size with various sizes of the sifter gaps. The dirt is dried on a broiler at a temperature of about 1050C - 1100C. The heaviness of the dry soil is estimated and recorded. A similar method is rehashed for the medium grained soil particles and the coarse grained particles for correlation. An example of soil is taken and moved to a glass plate. Water is added to the dirt example and blended to for a glue. The dirt glue is then positioned in a sealed shut holder. Utilizing the infiltration cone, the top surface of the dirt is contacted to and utilized as the beginning stage for the estimations. The dial measure is then brought down to interface the cone shaft and the perusing on the dial check is

What would you get rid of to improve life Free Essays

What might you dispose of to improve life in the 21 st century? BY Anna3201 In today’s world, there are numerous things that we are distraught. The entire time we grumble about something, what stresses us. Notwithstanding, when a decent consider it, we see that we ruin ourselves this world. We will compose a custom paper test on What might you dispose of to improve life or on the other hand any comparative theme just for you Request Now Regularly, the developments and difficult exertion assume responsibility for everything around you. The inquiry is: what might I dispose of to improve life in the 21st century? For me the most noticeably awful things on the planet are brutality so that is the principal thing which I would dispose of to improve life. Viciousness is all over: at home, at school, at work. It is conduct that belittles restricted opportunity, damages the rights and causes mental and physical enduring of someone else. Temporary worker makes it a delight. Why? How might you get fulfillment from watching someone’s agony and dread? How strange tear brings Joy? Is it human? No! Such an individual ought not be called human. The physical and mental brutality we face each day. Here and there we don't understand when we are its observers. Reflecting for a second, we can perceive how frequently we see that somebody is tormented, prodded. In some cases basically unsavory word for somebody can cause him to endure. The individual most wronged nobody to go to because of a paranoid fear of disparagement. Physical maltreatment regularly influences the most helpless, who don't adhere to a specific gathering, since they are simpler to hurt them. The culprits realize that they go unpunished, so regularly for an exceptionally extensive stretch of time mistreat individuals. Physical maltreatment has numerous structures from prodding to genuine or even beat kicks. This makes physical agony. I think it merits thinking about whether similarly it harms mental viciousness? , For this situation the casualties are more vulnerable, yet they can likewise be acceptable understudies, and conventional individuals are bashful. Effectively to heart them due to their tendency they annot protect itself against such hostility. Psychological mistreatment regularly appears as verbally abusing, deride. In my view, the two types of brutality hurt a similar way. One subverts the body †one at the top of the priority list. Both are Just as hurtful as the other individual deprived of nobility. In this manner, we generally respond seeing the hurt the other individual. No excuses the brutality and consider how we would feel on the off chance that somebody carried on correspondingly comparable to us. Individual who was tormented and prodded as a kid can have psychological well-being issues in a current life. Individuals, who have encountered savagery in adolescence, frequently do something very similar with your kids or others in beneficiary present life. Viciousness is initial step to a wrongdoing; individuals who use brutality feel themselves unpunished and feel themselves accept they can do anything. This leads them to next violations. Without savagery on the planet there would be no wrongdoing on the planet. Brutality and guiltiness prompts the way that individuals are getting increasingly forceful so it prompts the wars on the planet. We know, for instance, that Hitler had as a kid was manhandled, mortified and ridiculed by his dad, without the scarcest assurance from the mother. The genuine wellspring of his disdain in this manner gets self-evident. Be that as it may, lso numerous different despots, for example, Mao, Stalin, or Ceausescu have encountered savagery in their adolescence. So without viciousness would not to be wars on the world. Viciousness is the start of all shrewdness on the planet. ne thing which I would get free otto improve light is energizers There are numerous sorts of energizers; they are liquor, tobacco (cigarettes), medicates, and even espresso, tea, cola, and chocolate. In the last four, there can be no evident physical reliance. These substances, in any case, work on the delight places in the mind, which can cause halfway reliance on them, however commonly men tal. The most hazardous of energizers are positively medicates. The most widely recognized of these are: normal weed, hashish and cocaine or manufactured amphetamine, LSD, happiness, heroin. For these heavier medications dependence can happen considerably after a solitary ingestion. Medication use frequently has a negative impact, prompts deadly fender benders, beatings, murders or suicides. Medications harm inside organs and frameworks, particularly the sensory system. This prompts the degeneration of physical and mental body. Fixation can't perform fundamental exercises of day by day living and diminished to the steady quest for the following part of timulants. The issue of medication addicts is additionally moving HIV causes AIDS, a deadly sickness. Liquor abuse is one of the most widely recognized addictions. He is viewed as the malady. Hitting the bottle hard altogether diminishes mental and physical. In outrageous cases prompts harm to the liver, heart and stomach just as mental illnesses. Liquor abuse is a difficult issue in neurotic families. Youngsters from such homes frequently have wretchedness and mental injury. Another notable tobacco is a medication contained in cigarettes. Grown-ups go after the cigarettes to be de-stress, unwind or essentially out of fatigue or for the organization. In the wake of smoking a cigarette, some vibe a recuperation and improves their focus. These emotions, be that as it may, are fleeting. Ceaseless cigarette smoking is the purpose behind various infections, incorporating lung malignant growth which as a rule prompts demise. As should be obvious, solid energizers like medications, yet these are less destructive to people. I believe that brutality and energizers are the most noticeably awful things in our reality and it’s Just I might want to be rejected from the 21st century. Brutality and energizers are the start of all insidiousness on the planet. Without those things our life would be better. World would be increasingly wonderful. The most effective method to refer to What might you dispose of to improve life, Papers

Bio

Bio In my past entry, a few students commented with the request that I post a biography of myself. I wrote a list of things I do and dont like (Amelie style) on my old blog in August 2004, but its pretty hard to find, so heres a revised version: Here goes: Im Mitra, class of 2007, course 14; I was born and raised in New Jersey (no jokes, please), but I moved to Northern California in 2000, just in time for warm weather and a power crisis. My family still lives in the Bay Area, so I am racking up frequent flyer miles like nobodys business. Those are probably some of the most important things about me, but Ill tell you more. (I know, just try and contain your excitement.) When I was younger, I thought Brownian motion was actually brownie in motion and laptop was labtop you know, like a computer you put on top of a lab table. Revolving doors freak me out, and I really dont like it when people bring more carry-on items than airlines allow. I find The Daily Shows Jon Stewart and American Idols Simon Cowell really entertaining. To be honest, Im in love with Simon. 2006 update: Simon has been really mean this season, so my love for him has been displaced. general likes: orange juice with pulp, lilies, Daria, 5.12: organic chemistry, Colin Firth, people who stop at yellow lights, sums of squares, Craig Armstrong, navy blue, efficiency, brown paper packages tied up with strings, pomegranates, integration by parts, the word apparently, David Sedaris, the Eudora noise, M.C. Escher, dorky pick-up lines general dislikes: the green line, split infinitives, racism, tardiness, power outages, soft rock, fire alarms (ah, home sweet home), shrimp, public bathrooms, when the dog bites, when the bee stings, when Im feeling sad, Arial (the font), the spelling of the word vacuum, the fact that I use parantheses very frequently, non-dorky pick-up lines Heres a picture from one of my favorite websites: (Note: The odds of achieving this are a little greater when you attend MIT: read. Seriously, read it.) Original entry up here. - So yeah, thats me. I am surprised and intrigued by the speculation about my background. Shouldnt you people be busy working on scholarship applications?

French Expression Explained Au Contraire

The French expression Au contraire translates  to on the contrary or   just the opposite. It has a normal  register. Explanation and Examples The French expression au contraire is used not only to deny what someone just said but also to proclaim that the very opposite is true.   Ã‚  Ã‚  Je nai pas besoin dassistance  ; au contraire, je suis ici pour vous aider.  Ã‚  Ã‚  I dont need help; on the contrary, Im here to help you.  Ã‚  Ã‚  Non, je ne me moque pas de toi. Au contraire, jadmire ce que tu as fait.  Ã‚  Ã‚  No, Im not making fun of you. On the contrary, I admire what youve done.Note that au contraire can also used be in English with the same meaning, as can an emphatic variation: au contraire mon frà ¨re - on the contrary, my brother. In French, you can only use mon frà ¨re if you are actually talking to your brother, but in English, the rhyme seems to make fraternal considerations unnecessary. In French, au contraire can be modified with bien or tout, to make the contradiction that much stronger.  Ã‚  Ã‚  Il ne dà ©teste pas les langues, tout au contraire.  Ã‚  Ã‚  He doesnt hate languages, just the opposite.  Ã‚  Ã‚  - Es-tu fà ¢chà © ?  Ã‚  Ã‚  - Bien au contraire !  Ã‚  Ã‚  - Are you angry?  Ã‚  Ã‚  - Just the opposite! Quite the reverse! Anything but!In the above examples, au contraire is a stand-alone interjection or conjunction. But it can also be used with the preposition de followed by a noun or clause to mean contrary to. (Synonym: à   lencontre de)  Ã‚  Ã‚  Au contraire de votre analyse, nous allons perdre beaucoup dargent.  Ã‚  Ã‚  Contrary to your analysis, were going to lose a lot of money.  Ã‚  Ã‚  Au contraire de ce quil pense, à   mon avis nous devons....  Ã‚  Ã‚  Contrary to what he thinks, in my opinion, we have to...

How has the development of the Internet affected media regulation - Free Essay Example

Sample details Pages: 7 Words: 2035 Downloads: 2 Date added: 2017/06/26 Category Media Essay Type Analytical essay Did you like this example? Media regulation is defined as the guidance or control of mass media by watchdogs and government via procedures, rules and laws in order to protect the public interest (Feintuck Varney, 2006). It is commonly associated with print and broadcast news sources but the parameters of regulation have been continuously tested in recent years as a direct result of the development and exponential growth of the Internet and the new media that has emerged from it. Traditionally regulation of the media has occurred within a framework that incorporates models of self-regulation and government policy whilst maintaining the idea that freedom of expression is a fundamental human right that should be respected and even nurtured by the media in democratic nations (Fourie, 2010). Don’t waste time! Our writers will create an original "How has the development of the Internet affected media regulation?" essay for you Create order However, the development of the Internet has raised questions of this particular framework, such as its relevance to new media and its ability to govern an international rather than domestic entity, by adding another highly modern element to a diverse and increasingly colourful media. This essay will examine how the development of the Internet has affected media regulation by examining the theory concerning media regulation, the practical regulation and policy in place and how adequate it is for the Internet, and finally the arguments in favour of further development of regulation because of the development of the Internet and new media. This will be done with a view to concluding that the Internet has affected media regulation in that it has created a need for change in existing regulation, which has actually changed very little in terms of its practical application and is simply not sufficient enough to meet the challenges that the global and open nature of the Internet poses. M edia theory incorporates ideas concerning policy, regulation and accountability and is vital in facilitating the identification of points at which the development of the Internet fits into or challenges the current regulatory framework. For example, although his work was published prior to the advent of the Internet, Habermass (1992) theory of discourse principle assumes that procedure may be linked with context so that all individuals can participate in a free and rational discourse that is legitimate and formative in terms of creating a consensus. Although relatively general in nature, this particular element of theory identifies the need for freedom for the media to provide disparate expressions and enduring debate on specific issues. This theory is applicable to the Internet as well as the media in general and this suggests that its remit fits into the applicable democratic media regulatory framework. Furthermore, Kogut (2004) places the development of the Internet firmly in the economic sphere and suggests that its rapid growth was a direct result of the globalisation of finance, trade and corporate governance. This implies that its role as a media platform was a secondary outcome of its development and therefore offers some explanation as to why a regulatory framework was not established from the outset. Both of these theoretical perspectives, or the application of the theory in the case of Habermas, acknowledge that the growth of the Internet was not anticipated and has not impacted upon ideas of what media regulation should be. The theory also explains a lack of immediate regulation to accommodate the changing nature of communication. However, it is necessary to look at the regulation and ideas in place in order to assess these points further. Some critics and academics draw parallels with media regulation and Internet regulation, thus suggesting that the development of the latter has not impacted upon regulation to any great degree but instead has provoked slight changes to accommodate the new medium. For example, Price and Verhulst (2004) acknowledge that there was a negotiation between self-regulatory bodies and government in the early years of the Internet, which suggests that the patterns of media regulation have changed very little if at all. They go on to note that the Internet does actively limit the ability of self-regulation and government to be effective and so it is necessary for the application of both to be pursued to ensure that the new global form of communication adheres to the issue of public interest to the greatest possible extent (Price Verhulst, 2004). Tambini et al (2008) concur, noting that the application of the classic model of self-regulation works in much the same way as it does in other sectors of the media with the same debates over accountability, responsibility and liberty. Although they go on to argue that the continued development of the Internet does incorporate significant public interest a nd policy issues that necessitate closer control than would be possible with slight tweaks in existing government policy and self-regulation (Tambini et al, 2008). These perspectives are based upon the idea that self-regulation is adequate despite the fact that electronic media is so different to traditional media platforms. The fact that these arguments so extensively discuss self-regulation demonstrates that media regulation as a whole has actually changed very little, with only slight shifts occurring between the balance of self-regulation and government policy to cover matters of public interest. However, despite the fact that there are extensive debates as to the extent that self-regulation should be operational within the new media sphere, Mitra (2001, p. 415) has noted that the development of the Internet has had a tangible impact on media regulation: the regulatory landscape in which the Internet will develop is vastly different from the one that nurtured broadcast and cable television. Instead of providing a check on economic forces, regulations will largely open the door to them. This is because the rationales used by the Supreme Court in upholding electronic media regulations are largely inapplicable in the context of the Internet. The inadequacy of the media policy and regulation in place has also given rise to arguments in favour of enhancement of the regulatory framework of the media. For example, prior to the development of the Internet, policy and regulation was based upon certain issues that provided concern to the media and its impact upon society as a whole. These fell into two distinct categories à ¢Ã¢â€š ¬Ã¢â‚¬Å" public and private. Issues of public concern include the maintenance of public order and the promotion of the public interest whilst private concerns include protecting individual and property rights as well as avoiding personal harm (Iosifidis, 2013). Building upon this, there are voluntary codes of conduct that journal ists adhere to in terms of their work in print and that placed online but Lambert (2005, p. 170) stresses that these codes are not adopted by all bloggers online: Standard journalistic practice, for example, requires facts to be double checked and gives people who are criticised by a story a right to reply. Blogs have no such standards. Indeed, there is very little policy to govern conduct in advance; there is only legal recourse should an individual, company or collective feel slighted after the event. In essence, media regulation has not evolved to adequately cover the public interest and private protection of individual rights by compelling all publishers of news content, or other content that falls within the media sphere, to adhere to ethical ideals to the extent that journalists affiliated with publications or media outlets have to. As the existing regulation does not provide sufficient coverage there is a deficit that has yet to be addressed domestically and internationally. As the components of the media are perceived as national institutions rather than global entities, which is a major principle that the development of the Internet challenges as a result of the expanding reach of online media sources, there is a distinct absence of international systems of control (Weber, 2010; Drezner, 2008). In fact, there are no international laws or established bodies that oversee global governance of the media as a whole. Instead, there are multiple bodies, like the World Trade Organisation, the World Intellectual Property Organisation and the European Commission, that have authority in specific mediums, geographical contexts or as an extension of an economic interest but can do little to regulate the global exchange of information that the Internet facilitates (Siochru, Girard Mahan, 2002). In this respect, the impact of the Internet on media regulation in a global context has been incredibly limited and it appears that this may remain the case in immediate future. There are disparities between media regulations in various countries that pose a major problem in encouraging international law to tackle the global nature of the Internet and the content posted on it. For example, in China there has been the vigorous pursuit of Internet regulation via extensive blocking and censorship in order to limit democratic freedoms and enhance the power of the authoritarian regime (Tai, 2013). In the United States, on the other hand, the First Amendment of the Constitution ensures freedom of speech and so little has been done to regulate online communications either via policy or via legal challenge through the Supreme Court (Fetzer Yoo, 2013). These two nations occupy opposing ends of the domestic regulatory spectrum and so the likelihood of mediating the two positions in an international context is low. As such, despite the need for international regulation, the development of the Internet has not encouraged comprehensive international media regu lation. In conclusion, the analysis of the impact that the development of the Internet has had on media regulation raises two clear points. The first is that there has been very little in terms of practical regulatory changes aside from recommendations to enhance regulation on a domestic and an international level. Many of the policies that deal with regulation of the media are domestic in nature and so do not have the reach to address pages that appear on the Internet from different countries. There are also voluntary codes of conduct that journalists in other mediums abide by but are ignored by individuals online. Despite this, there have been very few new measures implemented to regulate the media despite the development of the Internet. The second point is that there is a definite need for regulation given the challenges that the nature of the Internet poses to the existing framework. Although theories that suggest self-regulation is sufficient may be effective in some sectio ns of the media, the need to provide oversight in a global environment with few restrictions is extensive and beyond current parameters. Self-regulation may work with the ethical code accepted by journalists and professionals who work within the media industry, with some notable exceptions in recent years, but it is not sufficient to constrain individuals who have access to the Internet and the ability to post content at will. In this respect, the Internet has undoubtedly created a need for a fundamental change within the existing regulatory framework as that is simply not able to meet the challenges that the global and open nature of the Internet poses. There is a need to tackle the regulation of new media and this may need to be done via international law or policy. However, there is absolutely no doubt that the development of the Internet has affected media regulation to a great extent. Bibliography Drezner, D., (2008). All Politics is Global: Explaining International Regulatory Regimes. Princeton: Princeton University Press. Feintuck, M. Varney, M., (2006). Media Regulation, Public Interest and the Law. Edinburgh: Edinburgh University Press. Fetzer, T. Yoo, C., (2013). New Technologies and Constitutional Law. In M. Tushnet, T. Fleiner C. Saunders eds. Routledge Handbook of Constitutional Law. London: Routledge, pp. 485-494. Fourie, P., (2010). Media Studies: Policy, Management and Media Representation. Cape Town: Juta. Green, L., (2010). The Internet: An Introduction to New Media. New York: Berg. Habermas, J., (1992). Between Facts and Norms. Boston: MIT Press. Iosifidis, P., (2013). Global Media and Communication Policy: An International Perspective. Basingstoke: Palgrave Macmillan. Kogut, B., (2004). The Global Internet Economy. Boston: MIT Press. Lambert, L., (2005). The Internet. London: ABC-CLIO. Mitra, S., (2001). The Death of Media Regulat ion in the Age of the Internet. Legislation and Public Policy, 4:415, pp. 415-438. Price, M. Verhulst, S., (2004). Self-Regulation and the Internet. The Hague: Kluwer Law International. Siochru, S., Girard, B. Mahan, A., (2002). Global Media Governance. Lanham: Rowman Littlefield. Tai, Z., (2013). The Internet in China: Cyberspace and Civil Society. London: Routledge. Tambini, D., Leonardi, D. Marsden, C., (2008). Codifying Cyberspace: Communications Self-regulation in the Age of Internet Convergence. Abingdon: Routledge. Weber, R., (2010). Shaping Internet Governance: Regulatory Challenges. Dordrecht: Springer.

TKAM Free Essays

A hero is a person who carries divergent qualities and abilities and is admired by others for his achievements and his brave deeds. In the book To Kill a Mockingbird by Harper Lee, Tactics Finch is exhibited as man who stuck with his morals, values, beliefs and ethics regarding all situations he was put through throughout the novel. He stood on his ground, making a luminous understanding to the people of Macomb that nothing would affect his thinking. We will write a custom essay sample on TKAM or any similar topic only for you Order Now Finch is a hero through his effectuation that are underscored right through the evolve and his abilities that were demonstrated and explained through other characters in the novel. Despite all Finch took the challenge of defending a â€Å"colored† man in the time of when slavery was abolished but black people were thought to be lower than white people. In life, one is taught and influenced by many of how to approach, and solve problems. One should be capable of standing strong in his/her beliefs despite what others might not say. Tactics Finch was a man who believed in what was right as cliche as it might sound he did not believe in the popular convictions because according to him success was not in winning in fact he did not mind loosing as long as he put his best in the situation. Often in life, one confronts situations where they have to make a decision, a decision that will lead them to the right path and having only one chance of doing so. Sometimes in failure was where one would find their victory. Tactics Finch, a successful lawyer in Macomb, Alabama, was authorized to take up the case of defending a black or â€Å"colored† man as referred in the novel regardless of the â€Å"usual Macomb disease† that conquered the whole town. Finch’s kids, Jean Louis offered as Scout and Gem, were being bullied in school for their father defending a black man that is wrong no matter what the circumstances are. They were being questioned and they questioned their father about why Finch would defend a black when it is not accepted or considered good in the people of Macomb. Tactics Finch was a well respected man of the town, he always knew what to do and what not to do. When the kids questioned he simply answered â€Å"l am simply defending a Necrosis name’s Tom Robinson† (Lee 75). Tactics Finch was a man of his words, once said he put all his strength to accomplish the task. His confidence and dignity made him a heroic figure for the people in town, in fact many people looked up to him. Once the word was spread of him taking Robinsons case, the citizens knew that he might Just have s chance of being Justified. On the day of the Robinson Trial, when Tactics entered the court room people stood up for him as respect. Reverend Sykes had even demanded for Scout to stand up when her father entered the courtroom. Considering the fact that Sykes was black, all the â€Å"colored† groups stood up as well. California, a black woman who worker in Finch’s home, took Gem and Scout to her lack people church where they were not disrespected or kicked out rather was welcomed warmly. If Tactics had denied to take up Robinsons case than the situation would have been different because than the kids could have been treated the complete opposite. However, the black people completely aware that Tactics definitely possessed the traits to handle such a complicated case in a such a difficult situation which Just made them respect him and his family more. Not Just taking up the Robinsons case made Finch a hero but it was throughout how he helped others in need. Finch was known as the â€Å"One-Shot Finch† as he was the best shooter in the whole town and got his work done in one gun-shot, no more than one. Finch had been successful in saving the town from a â€Å"mad dog† by shooting at it with one shot. This was a new side to Finch that his kids were not aware of, and when witnessed it, it left them stumped. Miss Maude, a woman who always spoke with a reason, seemed to know Tactics pretty well, she told Gem and Finch, when younger Finch was known as the â€Å"01†² One Shot† (98 Lee). That had left the kids a bit confused since they were strangers to this news about their father. Miss Maude cleared their confusion that their father was capable of performing everything. Miss Maude told them that Tactics Finch was the best checker player and had knowledge in playing Jews harp. Tactics once said muff never really know a man until you stand in his shoes and walk around in them† and to Scout â€Å"As Tactics advised me to, I tried to climb into Gem’s skin and walk in it† were two clear examples of showing how his kids followed his suggestions (Lee 57). Because for Gem and Scout he was a true hero in their eyes; they were so sure that Tactics Finch would give it his best regardless of how implicated the situation is. Their father was who they looked up to and knew that he was always correct. Not did he only defend a black male, but remained respectful to everyone in the town including Mrs.. Dubos. Mrs.. Dubos remained grouchy and mean all the time to everyone, Tactics always tried to ignore her ignorance and talk to her in a cheerful- attitude†Ã¢â‚¬ ¦ You look like a picture this evening†(Lee 100). Mrs.. Dubos was not the only one that Tactics tolerated, but his sister, Alexandra also gave him, the kids and mainly California a really difficult time. Tactics and the kids thought of California as their Emily member; however, Aunt Alexandra never appreciated their presence. Also, as Tactics said † †¦ Scaloppini’s not leaving this house until she wants to. She’s a faithful member of this family†¦ † (Lee 137). Tactics is a major influence to others especially when he is clearly highlighted that courage and believing in one self helps to overcome any obstacle that comes in ones way. Tactics stated in the book that you must fight despite you seeing chances of loosing more than winning. He did not believe racism existed as he was the one who went out in the courtroom to defend a black despite seeing no chances of him inning. He was well aware that no matter how strong his case would be racism would always come in the way and prevent from him wining; however, that did not discourage in fact it Just made him work harder on his case and presented exceptionally well which even left the audience in the courtroom stumped. Finch believed in equality, and no matter what race you are humanity should always exist no matter what the circumstances become. He fought till the very end, from risking his life for Robinson to making a solid and strong speech which was mind blowing end to the case. Finch protected his family well which he also took pride in; ergo, he never got egotistical about it because often he doubted himself not to be a good father despite him trying so hard to be a good. He was able to give his children advice on what they were struggling on. Finch was a strong, determined man who did not tolerate any kind of nonsense and only went through decisions of his own that he thought were correct in is eyes Often in life, one confronts situations where they have to make a decision, a decision that will lead them to the right path and having only one chance of doing so. How to cite TKAM, Papers

Donald Trumps Refugee Ban

Question: Discuss about the Donald Trumps Refugee Ban. Answer: Introduction Americas recently imposed ban on accepting refugee population in the country along with immigrants from seven selected Muslim nations has caused a general outrage in those countries as well as all over the world. The American President, Trumps executive order force bans Muslim population acceptance in the country for 90 days and any refugee immigrants for 120 days (Sieff, 2017). This sudden decision is likely to increase the sufferings of the refugees and especially those who come to the U.S intending to avail first-class medical treatment (Townsend Walters, 2017). Sources The sources of opinion that is to be discussed in the report are a CNN report by Madison Park and Ray Sanchez dated 30 January 2017, article published in American Renaissance by Kevin Sieff dated the same and an online article by Elizabeth Ringler-Jayanthan dated January 31, 2017. Why Trumps Decision is Detrimental However, this order passed by Trump has been subjected to lawsuits in America only and has raised the concerns of socialists largely. The major reason why this decision is being criticized vehemently is that the population who have been banned for a certain period from entering into America belong to the most vulnerable section of society; either the people in medical emergency or those from the war-devastated countries needing social and political protection (Sanchez Park, 2017). Now, as the article by Kevin Sieff cites examples from real life medical emergency of nine years old boy from Ethiopia with inborn heart disease or the one year old boy afflicted with cancer from Sudan, these cases cannot be put on hold as they demand immediate medical attention (Sieff, 2017). Statistics shows that the alarming numbers of refugees, over 80,000 are stuck in sub-Saharan Africa due to this complication in the refugee resettlement process among 20,000 of who have been identified as most vulner able seeking urgent attention from the U.S government (Ringler-Jayanthan, 2017). It has also been the case that many immigrants have faced undue situation just after landing from the flights because of the overnight implemented decision. Reaction to Trumps Decision The decision has attracted criticism from all over the world; the International Organization for Migration and the refugee agency of U.N have together come in front to counter this ban, as they strongly believe the refugees to be entitled to receive equal treatment for opportunities, assistance and protection (Sanchez Park, 2017). On the other hand, the American-Arab Anti-Discrimination Committee mentioned this hasty action as synonymous to discrimination against Muslims (Illing, 2017). There have been numerous lawsuits filed against this decision and the American court has positively done justice by putting the decision on hold. Barring all the political and judicial views, if only the view of common American citizens is to be considered, it also reflects the same idea that Trumps decision has shattered the welcoming image of America to the world (Orchard, 2017). Views Supporting the Ban While Trumps decision has mostly invited condemnation from varied sources, Americas homeland security and secretaries of state also have supported it as a decision taken in the national interest. They have fortified this view with the statistics showing that over 43% of the refugee admittance in America in the last fiscal year belonged to the seven nations primarily Muslim and the restrictions have been imposed only to resist ISIS from exploiting this refugee population entering the country (Sieff, 2017). The Presidents suggested ban is temporary to ensure Americas security from terror. However, the National Iranian American Council has strongly opposed the ban grounded on national origin stating this discrimination will not help in the said objective of the President (Sanchez Park, 2017). Benefits of Having Refugee Population U.S has always being known as one of the most refugee welcoming nations since the time of World War II. The apparently excessive immigrant population in the U.S has had several advantages for American community as well as on the economy of the nation. From the economic point of view, refugees tend to start their new business in the country with an entrepreneurial spirit; while from the social perspective, refugees contribute to adding population in many of the American cities, where population is either aged or on the verge of being lost (Ringler-Jayanthan, 2017). How to Support the Refugee Resettlement Since America is considered to be the epitome of democracy, the best way to bolster the claim of initiating refugee resettlement in the country is to spread this opinions to the elected representatives with protesting marches or using the social media (Ringler-Jayanthan, 2017). Another way to support the cause in individual capacity is to come forward with aid and assistance to the refugee communities and the resettlement agencies. Conclusion The written report on the three chosen source articles highlights all the significant aspects covered by different media on a single issue. Having discussed all the aspects it has been concluded that the same issue is being projected differently by different news media though three of them have been quite sympathetic towards the plight of the common refugee population. Since it is an utterly political issue, any responsible media should highlight both the perspective of the government as well as of the refugees. However, it has to be admitted that none of the articles have given the due prominence to the reason of the government to issue such an order in haste. References: Illing, S. (2017). Why Trump's "Muslim ban" is a moral failure, explained by a political theorist. Vox. Retrieved 17 April 2017, from https://www.vox.com/conversations/2017/1/30/14438326/donald-trump-syria-executive-order-immigration-ban-isis-terrorism Orchard, P. (2017). Trump's ban will have lasting and damaging effects on refugees. ABC News. Retrieved 17 April 2017, from https://www.abc.net.au/news/2017-01-30/donald-trumps-ban-lasting-damaging-effects-on-refugees/8223054 Ringler-Jayanthan, E. (2017). What Can We Do to Help Support Refugee Resettlement in the United States? - Social Work Helper. Social Work Helper. Retrieved 17 April 2017, from https://www.socialworkhelper.com/2017/01/31/can-help-support-refugee-resettlement-united-states/ Sanchez, R., Park, M. (2017). Trump's refugee restrictions: What to know. CNN. Retrieved 17 April 2017, from https://edition.cnn.com/2017/01/28/politics/trump-immigration-refugees-visa-policy/index.html Sieff, K. (2017). Trumps Refugee Ban Is a Matter of Life and Death for Some - American Renaissance. American Renaissance. Retrieved 17 April 2017, from https://www.amren.com/news/2017/02/trumps-refugee-ban-matter-life-death/ Townsend, M., Walters, J. (2017). Global fury as Donald Trumps ban on migrants takes effect. the Guardian. Retrieved 17 April 2017, from https://www.theguardian.com/us-news/2017/jan/29/global-fury-donal-trump-us-ban-immigration-muslim-countries

Franchising in Kazakhstan

5 Instances When Interracial Dating Is a Problem

5 Instances When Interracial Dating Is a Problem Interracial dating isnt without its problems, but today interracial relationships enjoy more support in the United States than they have at any point in history. While two decades ago, fewer than half of Americans approved of interracial marriage, now 65 percent of all Americans support such relationships, and 85 percent of young people do. Attitudes toward interracial marriage are so progressive that some people prefer to exclusively date interracially. But are they doing so for the wrong reasons? There are a number of reasons not to date interracially, including for social status, because it’s trendy or to remedy a rocky love life. Dating interracially with misguided motives will inevitably lead to problems. To End the Losing Streak in Your Love Life You’ve dated a long line of losers- deadbeats, cheaters, manipulators. They all belonged to your racial group, so you figure you’ll have better luck dating someone of a different race. That’s because deadbeats, cheaters and manipulators only come in one color, right? If only things were that simple. The reality is that you’ll have to do much more than land a love interest with a different skin tone from yours to end destructive dating patterns. The answer to your romance problems isn’t crossing the color line but examining why you’re drawn to inappropriate partners. To Gain Status The idea of dating interracially to gain social status may seem peculiar. After all, interracial couples face discrimination that may lead to distinct disadvantages. Because the United States remains racially stratified, however, it’s considered advantageous for members of oppressed groups to pair up with those of more powerful groups. From the Antebellum Era on, such partnerships have allowed people of color to gain access to a quality of life that likely would’ve eluded them otherwise. Although today racial minorities can largely succeed in society on their own, some elite people of color may feel the need to score a spouse from another race to boost their image or better fit into the corporate landscape. As noted in the short story collection You Are Free, â€Å"The world out there insisted as soon as a black man made it, he should marry a white woman. As soon as a black woman made it, she should marry a white man.† No one should date interracially due to external pressures. If Barack Obama won his presidential campaign with a black woman at his side, it’s certainly not necessary for, say, a businessman to date interracially for the purpose of upward mobility. In an ideal world, people wouldn’t enter romantic relationships for what they stand to gain from their partners. This isn’t to say that every successful minority who dates or marries interracially does so with ulterior motives. But just as some high-powered men pursue trophy wives, some members of minority groups pursue mates from the dominant culture for status. Everyone Else Doing It Wherever you look, you see interracial couples. Your friends, colleagues and relatives are all dating interracially or have in the past. Given this, you decide to take the plunge as well. After all, you don’t want to be the odd one out or, even worse, the boring one. Soon, you’re visiting interracial dating websites, and prospective dates from a variety of racial groups lie at your fingertips. Why isn’t this a wise move? The race of your date shouldn’t be the main draw for you nor should your dating patterns be influenced by what’s trendy now. The common interests and chemistry you have with a person should be the driving force for your decision to pursue a relationship. Interracial couples face real challenges. The person who becomes part of such pair because it’s hip or trendy won’t be prepared to deal with them. Rebellion Many parents tell children outright which racial groups they approve of them dating and which racial groups they forbid them to date. Actress Diane Farr is a case in point. Now married to a Korean-American man, Farr had been told growing up that her boyfriends could only be German, Irish, French or Jewish. No blacks and no Puerto Ricans, though, or you are out of my house, Farr recalled her mother saying. Farr did go on to date black and Puerto Rican men, however, and her parents came around. Farr defied her parents’ dating rules because she formed genuine connections with men from minority backgrounds. Some people, in contrast, flout their parents’ wishes simply to rebel. No child should feel pressured to go along with their parents’ racist beliefs. At the same time, it’s irresponsible to seek out partners you know your parents would disapprove of just to rebel against them. The mates you seek out certainly won’t appreciate being used as fodder in the war with your parents. If you disagree with your parents’ views on race, challenge them directly by broaching discussions about the issue with them. And if you and your parents have other problems, don’t try to hurt them by dating interracially. You’ll only end up hurting your date and yourself for behaving so insensitively. You Feel Inferior It’s no secret that society fosters a sense of inferiority in certain racial groups. This leads some members of minority groups to experience self-hatred. Such people are not only ashamed of their culture but of the physical features they have that reflect that culture. If they could erase every trait that singles them out as belonging to their minority group, they would. Since that’s impossible, they settle for seemingly second best- coupling up with someone from a different race to make them feel better about themselves or to produce children without their telltale ethnic features. A person this insecure is unlikely to make a good partner. As the old saying goes, you can’t love someone until you love yourself. Rather than dating across ethnic lines for validation, such people need to learn how to feel better about who they are. Seeking therapy, reading up on their cultural background and surrounding themselves with positive images related to their ethnic group may help.

Roles of presidency in the United States Essay Example | Topics and Well Written Essays - 1000 words

Roles of presidency in the United States - Essay Example Thus, the first power that is vested in the presidency of the United States is the position of the commander in Chief of the Army and the Navy of the United States (Reagan, 7). Under this power, the presidency can direct that the USA enters into war with another country through commanding the army and the navy to invade the territory, although after the approval of the congress. The presidency is also the commander of the militia under different states, on the event that such militias have been called upon to the service of the United States. Under the powers vested in the presidency of the United Sates, the occupant of that position has the powers to pardon any offence against the United States, except under the case of impeachment (Grant, 47). The other power vested in the presidency in the United States is the powers to constitute a government and to spearhead the implementation of the government agendas. Thus, under these powers, the presidency plays the role of appointing the to p government officials who include the ministers responsible for different departments, as well as the appointment of the judge of the Supreme Court and the different ambassadors to various regions of the world, with the approval of two-thirds of the senate (Bumiller, 132). The presidency is also responsible for entering into treaties with different nations and other relevant authorities and organizations globally, backed by the consent of two-thirds of the senate.

Research In Business Management Essay Example | Topics and Well Written Essays - 1500 words

Research In Business Management - Essay Example In this literature review, various works of literature on racism in the retail industry of the United Kingdom shall be critically reviewed. The aim of the researcher shall be to analyze the opinion of various reviewers on what racism is and how it started, laws that protect people against racism and discrimination, effects of racial discrimination on the growth of the United Kingdom retail industry and how racism in the retail industry of the United Kingdom can be stopped. Racism explained Several reviewers see and explain racism just from a perspective of ethic or racial background. To this effect, they make the discrimination against people based on their skin color as the major definition of racism. In this function, Ellis-Christensen (2011) explains racism as the discrimination against people based on their race after explaining that â€Å"commonly, but not always, people are categorized into one of five races: White, Black, Latino or Hispanic, Asian, and Indigenous or Native.â €  Racism however goes beyond the discrimination of people based on their race or ethic background. In fact, limiting racism to discrimination against people based on their race would mean that racism cannot take place among two people belonging to one of the six sects mentioned by Ellis-Christensen (2011). ... With his explanation, it can established that two people may be of the same skin colour or race but by the mere fact that one is from a different national or ethic origin can result in one of the fellows showing acts of racism against the other. Laws guiding against racial discrimination at the workplace Since racial discrimination is a human rights issue, various countries have laws that guides against it. In the United Kingdom, there are national laws that guide against racial discrimination at the workplace. These laws are very necessary because as noted by the Chartered Institute of Personnel and Development (2011), â€Å"everyone should have a right to equal access to employment and when employed should have equal pay and equal access to training and development.† In this regard, Section 1 of The Race Relations Act 1976 (Amendment) Regulations 2003 gives emphatic scenarios that constitute racial discrimination at the workplace and by extension in the retail sector. As a l aw, the breach of the binding rules comes with daring consequences to offenders (The National Archives, 2003). The researcher is however concerned with the implementation of the laws as the provisions of the law can never be enough if enforcement is not ensured thereof. In 2005 for instance the Abercrombie & Fitch lawsuits sent â€Å"award checks to the over ten thousand class members who submitted valid claim forms in accordance with the process set forth by the Court in the April 2005 settlement order†, most of which had to do with racial discrimination (Alvarez, 2005). This not withstanding, Barmes and Ashtiany (2003) report of how various retail companies have their own laws and regulations that guides against racial discrimination. Effects of racial discrimination on the UK retail industry

Importance of Risk Management in Banking

Importance of Risk Management in Banking The fall of Lehman Brothers and Bean Stearns triggered the financial crisis from 2007 to 2008. In the case of Lehman Brothers, which was one of the largest investment banks with old history in United States, illustrated the importance of appropriate internal risk management with control. Self-interview threat occurred and was leading to the bankruptcy. In the event of lacking enough bank reserve for withdrawal, Bank of East Asia (BEA) chose to enter mass of capital and welcome the public to take freely from the account balance. It would like to increase the stakeholder confidence and is finally success and solve the problem. It is obvious that risk management plays an important role in the financial institutions. Risk management is the management of identification, assessment and prioritization of risks to assess the effectiveness and efficiency of the internal control system and reduce the impact of unexpected events. (ISO 31000, 2009) Without proper risk management, banks are diffi cult to operate with financial difficulties and survive during the financial crisis. An effective risk management also improves Corporate Governance procedures that help to increase investor confidence, transparency and accountability that helps institutions operate efficiently. If any error or missing occurs in the process of risk management, it causes a failure of corporate governance and may result in operating difficulty. In United Kingdom (UK), the Financial Services Authority (FSA) provides framework of risk management (Arrow), risk assessment framework and financial risk outlook (FRO) for financial institutions to understand the major risks. In addition, Turnbull provides a guidance of good internal control with implication of UK corporate governance code that focuses on the quality and extent of risk management disclosures in an organization and thus reduces the impacts. Combined Code (1998) requires the board of director (BoD) to maintain a good internal control system that includes risk management that safeguarding the tangible and intangible asset and ensure the effectiveness of system. In United States (US), the Sarbanes-Oxley Act (SOX) 2002 requires that both management and auditor to maintain a sound internal control system. Section 302 requires management to certify the periodic financial reports and disclose significant internal control deficiencies and section 404 requires management to provide assessment of the internal control and auditors to provide opinion on that assessment. And the generally accepted accounting principles (GAAP) set accounting rules that corporations need to follow, i.e. they need to prepare, present and report the financial statements. In Hong Kong, the international banking regulation Basel III is applicable to banks. And HKMA regulates the economic stability in banking industry. Many large banks, like the Hong Kong and Shanghai Banking Corporation Limited (HSBC), also implement the SOX act, New York Stock Exchange (NYSE) corporate governance rules and USA PATRIOT act of the other countries in the Hong Kong. Internal control plays an important role in enterprise risk management (COSO, 2004 Pagano, 2001) Woods (2008) states the relationship between an effective and efficiently internal control linking with enterprise risk management (ERM). It also claims that management-based internal control includes conflicts of interest for internal auditors, is extremely risky for the financial institution. Harker and Stvros (1998) shows the efficiency of risk management significantly affect financial performance of financial institutions. Without effective risk management, auditing of financial statement and expense of audit may be affected and cause unreliable reports. In the financial crisis from 2007 to 2009, many corporations include banks liquated due to a weak internal control system without an effective risk management. Therefore, a good risk management programme is important to the firm in the Hong Kong banking industry. Hong Kong and Shanghai Banking Corporation Limited (HSBC) is one of the worldà ¢Ã¢â€š ¬Ã¢â€ž ¢s largest financial institutions and thus its risk management will be identified, analyzed and compared with its competitors. Banking regulations and frameworks will be reviewed and key elements of risk management will be identified and compared. The debates will be reviewed and the strength and weakness of internal control of HSBC will be identified. In addition, recommendations for future improvement in effective risk management will be drawn. Aim and objectives of study The aims of the study are to illustrate the importance of maintaining a good risk management programme in the Hong Kong banks and to draw recommendations for the improvement of weaken risk management. To achieve this aim, the objectives have been established: To review banking regulations and framework (Basel III) apply to Hong Kong banking industry To compare and examine the risk management of internal control systems in HSBC and its competitors To review different comments given by its stakeholders during financial crisis (2008) and era To identify the strengths and weakness of an HSBCà ¢Ã¢â€š ¬Ã¢â€ž ¢s risk management To provide conclusions and recommendations for future improvement in effective risk management in financial institutions 1.3 Proposed Chapter Headings: Introduction Importance of Risk management Background The aim and objectives of the study Structure of the dissertation Literature Review Introduction of risk management Kinds of bank risks Credit risk Liquidity riskà ¢Ã¢â€š ¬Ã¢â‚¬  funding risk Interest rate risk Mismatch risk Market liquidityà ¢Ã¢â€š ¬Ã¢â‚¬  market price risk Market risk Foreign exchange risk Regulations framework Benefit of risk management Weaknesses of risk management Causes of business failure Stress Testing Example of banks: Hong Kong and Shanghai Banking Corporation Limited (HSBC), Bank of China (BOC) Government and authority intervention Conclusion An effective internal audit function of an successful case in Hong Kong The weakness of internal control system cause influence and failure of business performance Research Methods Statistical analysis of annual reports of different corporations to compare their differences with internal control systems Data findings Profile of respondents Data analysis Conclusion Recommendation Research direction Recommendations and Conclusions Summary of the actual findings Recommendations for an effective internal control system and risk management Limitations of Corporate Governance Chapter 2 Literature Review 2.1 Introduction of risk management The uncertainty environment leads to financial services products have become more complex and also increase the accountability of regulation. (Collier, 2009) Doyle (2007) shows that there are common material weaknesses in the risk management of complex and rapidly growing. Krishnan (2005) states limited scope of research leads to insufficient disclosure of internal control. Internal control plays an important role in enterprise risk management (COSO, 2004 Pagano, 2001) It includes 4 stages: risk identification, quantitative or qualitative assessment of risks, risk prioritization and response planning. Role of risk management Collier (2009) ALARM 2.2 Kinds of bank risks COSO (2004) defines enterprise risk management as a process applied with strategies to identify and manage potential risks and thus providing reasonable assurance of achieving corporate objectives. Basel I (1999) states banks should use measurement techniques based on robust data. Eccles et al (2001) reviews the US GAAP and SEC and illustrates 4 major risks: market risk, credit risk, operational risk and accounting risk. Then, Fell Devine (2003) demonstrate operational risk should be separated as liquidity risk, insurance risk and group risk. Further, De Wit (2007) recognizes that risks also include legal risk, concentration risk and reputation risk in financial institutions. There is legal risk of possibility of court cases. If they are well-known of providing good service about criminal, more companies would like to create financial relationship them that concentration risk arises. Also, negative publicity, which is uncontrollable and unpredictable, often lead to reputation risk in money laundering case. Collier (2009) states there are many ways of classification of risks. Recently, Besis (2010) states there are 7 major types of risks in banks: credit risk; liquidity risk (funding risk); interest rate risk; mismatch risk; market liquidity (market price risk ) and foreign exchange risk. 2.2.1 Credit risk Credit risk, which is risk of financial loss that creditors fail to execute their obligation of payment, is the main risk in banking industry that potential loss due to counterparty fail to execute payment obligation. (Besis, 2010) Collier (2009) mentioned that credit risk increases the impact of default as it can be transferred to third parties by using securitization. 2.2.2 Liquidity riskà ¢Ã¢â€š ¬Ã¢â‚¬  funding risk 2.2.3 Interest rate risk 2.2.4 Mismatch risk 2.2.5 Market liquidityà ¢Ã¢â€š ¬Ã¢â‚¬  market price risk 2.2.6 Market risk 2.2.7 Foreign exchange risk 2.3 Role of governing bodies in risk management and control International Federation of Accountants Committee (IFAC) concludes the role of governing bodies in risk management and control in public sector. (International Federation of Accountants, 2001, cited in Collier, 2009, p.37) They should ensure to establish an effective risk management in the framework of control. Also, ensuring effective internal audit function includes in that framework. Moreover, they should ensure a framework of internal control is well established with practice and the statement of effectiveness is included in the annual report. Lastly, they should form an audit committee that involves non-executive independent members to provide independent review of the framework of control and external audit process. 2.3 Regulations framework 2.3.1 Basel Basel III is a set of international banking regulations developed by the Basel Committee on banking supervision. It revises Basel I and II that requires a higher level of capital. Basel II, which improves the weakness of Basel I, considers regulatory capital with risks. (Glantz Mun, 2008) Basel II provides three approaches for calculation of risk. A standardized approach is commonly used that requires banks to use standard risk assessment to calculate the risk weightings. Next, internal ratings-based (IRB) foundation approach that is based on internal assessment in probability of default from counterparty (PD), quantified estimates of exposure at default (EAD) and loss given default (LGD) can be applicable. And the third approach is called IRB advanced approach, which is based on own internal assessment in PD, EAD and LGD. 2.3.2 Benefit of risk management Weaknesses of risk management Causes of business failure Fight (2004) states that many industry surveys analysed 5 top causes of business failure. First of all, it states cyclical decline in demand is at the top of the five causes. Recession is not the main factor of failure but the element that helps to show the weakness of risk management in firms. It mentions some examples of weakness, such as poor competitive position, problem in internal control of quality and financial and weak capital and liquidity ratios. With these weaknesses, firms lost competitive advantages and cannot fulfill customer needs and also lead to decline in demand. Next, poor top management is followed. Thirdly, lacking of centralized financial control Fourthly, bad acquisition or inadequate integration strategy. The fifth is inappropriate product or market strategy Except the cyclical decline in demand, the other four causes are related to management. It is showed that management of firms plays an important role of survival in economic downturns. Regarding to the case of Lehman Brothers, the creditor fail to execute their obligation of payment that the demand of mortgage or loan was dropped. 2.5 Stress Test 2.6 Example of banks 2.6.1 Hong Kong and Shanghai Banking Corporation Limited (HSBC) Hong Kong and Shanghai Banking Corporation Limited (HSBC) is a world-wide diversified banking group that involves in different business and activities since 2005. It takes conventional strategy in its entities in different areas, such as Europe, Hong Kong, Rest of Asia Pacific, Middle East, North America and Latin America. HSBC Holdings plc (2009) mentions that there are many factors vary the risks in HSBC, such as environment change. vary the degrees, measurement, evaluation of its risk management. mentions there are 4 main types of risks: credit risk, counterparty credit risk, market risk and operational risk in its business. Its credit risks arise from failure of receiving payment by customers or counterparties in its business, such as direct lending, trade finance, leasing business, guarantees, derivatives and debt securities. It applies 3 approaches in Basel international banking regulations to calculate the counterparty credit risk and determine exposure values. The three approaches are standardized, mark-to-market and internal model method (IMM). HSBC adopt the standardized approach and mainly adopt the IRB advanced approach to eliminate the credit risk. In addition, counterparty credit risk is risk of economic loss that counterparty may default in transactions arises from offer-the-counter (OTC) derivatives and securities financing transactions. HSBC uses the mark-to-market and IMM approaches to reduce the counterparty credit risk. Market risk is the risk of lower income or portfolio value with market risk factors, including foreign exchange rates and commodity prices, interest rates, credit spreads and equity prices. To get rid of it, HSBC applied standard rules of financial services authority (FSA) and value at risk (VAR) models. Lastly, operational risk is a risk of potential loss by imperfect internal processes and systems or external events. Actually, it also includes technological and legal risks. HSBC employed the standardized approach to determine its operational risk in group. To control risks in the IT area, 3 ways is implemented. First, it uses risk bases project management (RBPM) and a global HSBC tool that is called clarity tool to control the software development life cycle and ensure the consistency and efficiency of management. Second, a disaster recovery plan (DRP) is implemented. For example, it is used to recover system in the case of disasters to ensure the continuity of system. Third, it maintains a secure and reliable governance structure to control and response to the technological risk in different departments. For instance, senior management committees are responsible for managing the risk. The committees consist of HTS Steering Committee, Risk Management Committee (RMC), Operational Risk and Internal Control Committee (ORICC). In the way of managing legal risk, HSBC concerns with contractual, litigation, legislative or regulatory, reputation and non-contractual rights. In addition, it established policies and procedures, estimates potential losses from the judicial or administrative resolutions, disclose the relevant information. Moreover, it established policies and procedures for the identification, measurement of legal risk to eliminate or reduce the possible loss due to the non-performance of the norms and avoid adverse resolutions. 2.6.2 Bank of China (BOC) Bank of China applied the stress testing. 2.7 Government and authority intervention Woods et al (2009) states without perfect credit risk management, the survival of numerous financial institutions in the financial crisis relies on financial support or taking-over by government. In United States, Lehman Brothers, Bear Stearns and Merrill Lynch collapsed because of no financial support to continue the business. On the contrary, United Kingdom mortgage providers, Northern Rock and Bradford and Bingley, survive in financial crisis as had been taken over by government. In addition, Derbyshire Building Society and the Cheshire Building Society faced substantial problems and then survived as it had been taken over by the Nationwide, a large mortgage lender with a stronger capital base. Starting from summer 2007, accumulating losses on sub-prime mortgage triggered financial tsunami in the global financial system. The paper analyzes that banks and mortgage providers using special purpose entities (SPE), collateralized mortgage obligations (CMOs) or collateralised debt oblig ations (CDOs) and illiquidity as the problems Financial Services Authority (FSA) provides operating framework (Arrow II), risk assessment framework and regulations for financial institutions. 2.8 Conclusion Chapter 3à ¢Ã¢â€š ¬Ã¢â‚¬ Research method The research is mainly based on quantitative research by obtaining statistical data, such as complaints or commercial crimes, and related to annual reports and financial statement. Reports from Hong Kong Monetary Authority (HKMA) and Securities and Futures Commission (SFC) will be a part of source to analyze the data as it is easily assessed and convenient in obtaining data. In addition, the risk management system of 10-15 limited companies will be examined and compared. It helps to define the strength and weakness between different risk management systems under sudden events. It supplements questionnaires collection and theoretical research. Questionnaires collection is also used as an instrument in obtaining useful information. To obtain relevant information from stakeholders, questionnaires about satisfaction of financial institutions will be collected and some samples will be further conducted by face-to-face survey. And theoretical research is taken place on reviewing information of theories and practices about an effective internal control system with suitable risk management from academic journals and textbooks. 3.2Limitation: It is difficult to assess information because the internal information is not related to the operation that source is limited and limited samples are not be sufficient to conclude subject to risk management. In other words, recommendations are not be sufficient for the whole banking industry. In addition, the online questionnaires do not have a large number of respondents as the respondent rate is limited due to many reasons. For example, some people do not interest in filling questionnaire and some people feel trouble to complete the questionnaire. Chapter 4 Profile of the respondents A survey was conducted in late 2010, from October to November. Online questionnaires were collected from 30 respondents to understand their confidence level of banks in Hong Kong whether it is influenced by the occurrence of financial crisis and also obtain recommendations of risk management in Hong Kong banks for improvement. There are 25 questions in a questionnaire (see appendix) and it is formed as 3 parts: Personal Details; Before Financial Crisis (2007 -2008); After Financial Crisis (2007 -2008). The first 5 questions are about à ¢Ã¢â€š ¬Ã…“personal detailsà ¢Ã¢â€š ¬?. For question 6 to 8, questions are part of à ¢Ã¢â€š ¬Ã…“before financial crisisà ¢Ã¢â€š ¬?. And questions 9 to 25 are focused on à ¢Ã¢â€š ¬Ã…“after financial crisisà ¢Ã¢â€š ¬? that shows present. The major findings drew from the questionnaires are concluded as below. Personal Details Question 1: What is your gender? Female Male Total 16 14 30 In the online questionnaires, there were 30 respondents that slightly more than half of them are Female while slightly less than half of them are male. Question 2: What is the range of your age? From the questionnaires, it was found that the respondents are mainly youngsters which are most (26 in 30 respondents) in the range of 18 to 29 years old. And there are a small number of respondents (2 in 30 respondents) in the range 30 to 39 years old and (2 in 30 respondents) the range of 40 to 49 years old. Question 3: What is your education level? According to results of questionnaires, no respondents are educated under primary level. Three fifths of respondents achieve the degree education whereas the minority of them, 2 in 30 respondents, reach the master or above education level. And the other two sixths of respondents completed secondary to diploma education. Question 4: What is the range of your monthly salary? It is showed that half of the respondents have monthly income less than $5000 while one fifth of them have over $5000 but lower than $10000 and the other one fifth have monthly income between $10000 and $19999. The minority of respondents got income more than $20000 each month that one respondent got more than $20000 but less than $30000 and two respondents got more than $30000. Question 5: What is your role in bank? The respondents are mainly customers in banks that there are over 90% of them, 28 in 30 respondents, as the role of customers and less than 10%, 2 in 30 respondents, of them as the role of employees in bank. Before Financial Crisis(2007-2008) Question 6: Before financial crisis (2007 2008), what was the percentage of your salary you spend on saving in a bank each month? Before financial crisis (2007 2008), almost two fifth (37%) of respondents expressed that they had habit of saving. Only a few of them spent their salaries mostly on saving while a minority spent much more on saving every month. And one in six respondents spent almost half of salary on saving. In the meanwhile, three fifths of them spent fewer while a few respondents spent slightly fewer or none on saving. Question 7: Before financial crisis (2007-2008), did you invest in stock of Hong Kong banks, such as HSBC? Over 70% of respondents, 73%, said that they had habit of investment in Hong Kong stock before financial crisis (2007-2008) while slightly less than 30%, 27%, had not invested. Question 8: Before financial crisis (2007-2008), what was the percentage of your salary you spend on investment each month? Before financial crisis (2007-2008), most of respondents had habit of investment. Three fifths of respondents had spent much more and majority or all of salary on investments each month. For example, less than half of them, 43%, had spent the majority and almost all of salary (80% 100%) on investment while one sixth had spent 60% to nearly 80% of salary. And a small number of them, 10%, had spent almost half of salary (40% 59.99%) on investment while nearly one quarter (23%) of them had spent fewer (25% 39.99) on investment. But, few respondents, 7%, said that they had not invested or spent slightly fewer on investment. Question 9: Did you have habit of checking your balance in your current accounts /investment accounts in banks? And how often did you check your balance each month? Before financial crisis (2007-2008), none of the respondents never check their current account or investment account balance. One in three respondents showed that they seldom (1 to 7 times per month) checked their balance in accounts while half of them often checked their accounts over once a week and nearly once per two days (8-15 times per month). And one in five respondents usually checked their accounts (16-30 times per month). After Financial Crisis (Present) Question 10: Do you own any current accounts for saving in banks? How many banks do you own current account? All respondents have current accounts for saving in banks in Hong Kong. One-fifth of respondents reported that they only owned current account in one bank while almost most of them, 77%, said that they owned current accounts in from two to four banks. In addition, only one respondent responded that hold current accounts in more than five banks. Question 11: What is the percentage of your salary you spend in saving each month? It is showed that most of the respondents have habit of saving. Almost a quarter of them, 23%, spend much more on saving while about two fifths of them, 41%, spent majority or almost all on it. Also, no respondents spend almost half of salary (40%-59.99%) while a minority of them reported they spent fewer and nearly a quarter of them reported they spent slightly fewer and almost none on saving. Question 12: Do you invest in stock Hong Kong banks, such as HSBC? After financial crisis (2007-2008), three fifths of respondents said that they had habit of investment in stock of Hong Kong banks while two fifths did not invest. Question 13: Do you own any investment accounts in banks? How many banks do you own current account? Most of the respondents own investment accounts in Hong Kong banks. For illustrate, more than half of respondents, 73%, only own investment accounts in a bank while 1 in 10 respondents own an investment account in two to four banks. And one-sixth of them, 17%, do not own any investment account and. However, no respondent hold investment accounts in more than five banks. Question 14: What is the percentage of your salary you spend on investment each month? More than half of respondents reported that they spent their salaries less on investment. One third of them spent slightly few and almost none of their salary on investment while one fifth spent fewer as well as the other one fifth almost spent half of it on investment. On the other hand, a small number of them, 10%, responded that they spent much more while 1 in 6 respondents spent most and almost all on investment. Question 15: Do you have habit of checking your balance in your current accounts/ investment accounts in banks? And how often do you check your balance each month? After financial crisis, none of the respondents never check their current account balance. Nearly three fifths of respondents,57%, reported that they seldom (1 to 7 times per month) checked their balance in account while one fifth of them often checked their accounts over once a week and nearly once per two days (8-15 times per month). In addition, about a quarter of them checked their accounts frequently (16-30 times per month). Question 16: After financial crisis (2007-2008), what do you pay attention to the bank before investment in it? (Answers can be chosen more than one.) The table shows the issues about bank whether respondents pay attention to before investment or not. After financial crisis (2007-2008), the respondents mainly pay attention to the news about the bank and also the banking industry before investment. Nearly three quarters of them, 73%, pay attention to the news about the bank and banking industry to concern about their investment. In addition, one-fifth of them pay attention to the risk management of the bank to concern whether risks are minimized and properly controlled. And the other one fifth also pay attention to relevant court cases while three in ten respondents focus on the changes in its share price. However, only a minority pay attention to the big issues, such as big loss or financial difficulties. Question 17: What element(s) do you think it is important in risk management? The table illustrates that importance of elements in risk management respondents revealed. Regarding to questionnaires, almost two fifths of the respondents thought identification of risk was important in risk management while about two thirds of them did not. About assessment of risks, nearly third fifths (57%) of them agreed it was an important element while more than two fifths of them (43%) disagreed. In addition one third of respondents expressed that internal control is an important element in risk management. However, only a minority of respondents, 4%, totally agreed that identification, assessment, and prioritization of risks and the internal control are important in risk management. Question 18: Do you trust the risk management of bank can ensure steadily operation with lower risks to prevent bankruptcy? Two thirds of respondents reflected they trusted the risk management of bank that can ensure it operating steadily with lower risks and prevent bankruptcy while one third said that they did not trust it. Question 19: What is the level you rely on the risk management of bank? After financial crisis (2007-2008), a small number (10%) of respondents reflected that they extremely relied on the risk management of bank while one fifth said that they more relied on it. Half of them remained neutral whereas a minority less relied and a few respondent never rely on the risk management of the bank. Question 20: After financial crisis (2007-2008), have your confidence in bank been cracked? About two fifths of respondents, 37%, thought their confidence in bank had not be cracked after financial crisis (2007- 2008). Nevertheless, half of them reflected their confidence were partly impaired while a minority (13%) revealed that their confidence were mostly damaged. Question 21: What is (are) the issue(s) that impair your confidence in the bank and make you think that it has weak risk management? The chart illustrates the issues whether it can impair their confidence of respondents and affect their investment decision in the bank. According to the responds, a majority of respondents, 90%, thought occurring liquidity problem and big loss can impair their confidence in the bank. And 70% of them expressed that weaken defense of risks and without experience of facing financial crisis can lead to bank have a weak risk management and also impair their confidence. Besides, slightly more than a quarter of them, 27%, considered human resources problem was one of the elements of weak risk management. For example, improper authorization and delegation policies lead to conflict of interest exists in the bank. Moreover, nearly one-fifth thought operating without following regulation, such as Basel framework, is more likely to maintain weak risk management. Finally, only a few of them, 7%, responded that involving in court case impair their confidence in bank and they might think it had we ak risk management Question 22: Do you read the annual report of bank to understand its risk management before investment? The above chart shows that one third of respondents responded that they saw annual report of the bank before investment to understand its risk management. However, two thirds of them expressed that they did not. Question 23: Do you think these banks have good risk management? In five Hong Kong banks, respondents expressed which banks they think have good risk management. As a result, most of them commented HSBC had a good risk management while only one third thought Bank of China had a good risk management. Also, half of them expressed that Hangseng Bank had good risk management while the other half disagreed that. Concerning to standard chartered bank, only one fifth thought its risk management was good. Moreover, slightly less than twenty percent of them reflected that Citibank had good risk management. Question 24: What rank do you give for the risk management of HSBC? (Please rank from 1to 5: 1 is weakest; 5 is best) Rank of HSBC Number of respondents

coping with death :: essays research papers

Coping with Death People cope with the loss of a loved one in many ways. For some, the experience may lead to personal growth, even though it is a difficult and trying time. There is no right way of coping with death. The way a person grieves depends on the personality of that person and the relationship with the person who has died. How a person copes with grief is affected by the person's cultural and religious background, coping skills, mental history, support systems, and the person's social and financial status. The definition of coping is described in the text as the â€Å"constantly changing (dynamic) cognitive and behavioral efforts to manage internal and/or external demands exceeding the resources of the person. This emphasizes that coping behaviors go beyond routine, adaptive behaviors.   Ã‚  Ã‚  Ã‚  Ã‚  In 1990, my aunt Ann started experiencing heart-problems. My family was very close to Ann because she lived only a block away. Aunt Ann would walk over to our house everyday for a visit. During this particular summer, Ann noticed that she was becoming increasingly out of breath from just the short walk. The entire family strongly urged that she see a doctor as soon as possible.   Ã‚  Ã‚  Ã‚  Ã‚  After her doctor’s visit that she reluctantly went to, she announced to the family that she was suffering from a damaged heart valve. We were all terrified about what would happen to her, but she assured us that the doctor said it could be fixed with a minimal risk.   Ã‚  Ã‚  Ã‚  Ã‚  When she went into surgery in St. John’s Medical Center in St. Louis, we were all there and confidant that everything would go as planned. The doctors came out about one hour into the surgery to inform us that the damage was much worse than they initially thought. They told us that they would keep us updated on her progress. Two hours later they came out to tell us that her heart stopped beating and they tried everything they could to revive her, but she had died.   Ã‚  Ã‚  Ã‚  Ã‚  Through the next couple of days our family went through some of the coping stages. We experienced anger because we did not know the severity of the damage, we were depressed and then we had to come to accept God’s will. Ann was a devout Christian and we found comfort of knowing where she was going to.

Old habits die hard Essay

When I heard that one of the quotes for today’s essay was â€Å"old habits die hard † some of Mick Jagger’s lyrics came to mind â€Å"I’m not an addict ,it’s just a habit†. It takes a long time to develop a bad habit and as much or longer to stay away from it . We start developing bad habits at an early age because of inexperience .We reinforce those habits day by day and step by step in our everyday life by repetition. Old habits die hard because us as people allow ourselves to get into bad habits sometimes socially and sometimes unintentionally. One of the bad habits that people in general have is nail biting . I see people biting their nails all the time .I would love to say that I am not one of those people but I would be lying .If I am waiting on line at a store for a long time ,I start to get frustrated and I bite my nails. Another reason I fall into the habit of biting my nails is nervousness. Once I was waiting for a job interview , I noticed that my nails where getting shorter and shorter without my intention. In general as people we are programmed from young age to do things .We do not realize that some of those things can be bad until they have happened repetitiously. I have worked on ways to stop biting my nails ,and it is working for now .I noticed that I can break this old habit by painting my nails with a base coat nail polish that taste very bad if I bite my nails . In this essay I would like to bring to the reader’s attention two bad habits that influence our health such smoking ,drinking. When someone smokes he/she is inhaling approximately 7000 chemicals inside their lungs , 250 of which are poisonous and 70 carcinogenic. These chemicals are not only damaging the lungs, but also traveling through the body and causing several diseases . Smoking increases the chance of COPD, Coronary heart disease, stroke and lung cancer (www.about.com).Alchol is very present in today’s society .Having class of wine once in a while is acceptable and healthy some might say ,but too many glasses can affect your judgment and direct you to bad decision making . Alcohol abuse can lead to alcoholism ,or alcohol addiction ,to a point which a person becomes physically and  psychologically dependent to it so much that people cannot function without it .Alcohol abuse can lead to disruptive behavior such as driving under the influence and domestic violence . Both smoking and drinking are addictive but also habits that could be broken . Gambling is also a habit that is very hard to overcome .It is a compulsion and the end result can be very devastating for the gambler and also for their family. Gambling can have a big impact on someone’s economical state . For example a gambler can lose all their saving in one night .They borrow money to play more hoping to win back what they lost. The person who is the gambler is not the only person that suffer from this situation ,their families are too. Often times the family has to deal with threading phone calls from creditors and bill collectors. Most of the time relationships and marriages fail do to gambling .When disgusting about gambling it is important to realize the affect it can have on people economically ,socially ,physically and psychologically. Gambling can lead to loss of job ,depression ,anti-social personality disorder, and direction towards alcohol and drug use. Gambling is one of the worst habits to break but it can be accomplished with determination and support by the their families. I would like to conclude this essay with another verse in the from Mick Jaggers’ lyrics † You walk through my walls like a ghost â€Å".It is true that we all have bad habits ,for some it is easy to stay from them because of the way their lifestyle is .But for other’s bad habits are always on the back of their mind as they struggle to stay away from the ghost on their wall.

`` The Yellow Wallpaper `` And `` It s A Girl ``

Cheris Kramarae, a theorist involved with the idea of the Muted Group Theory, which investigates unbalanced power – related conflicts in society, said â€Å"The emotional, sexual, and psychological stereotyping of females begins when the doctor says, ‘It’s a girl’†. These are extremely powerful words as they concisely point out the secularization that women face even before they are born. Women of all ages, culture, and religion face this injustice. Every once in the while, in a field of trampled flowers, one robust plant stands and over time grows into a strong tree that protects the other mangled flowers, helping them flourish. In the 19th century, one of these strong plants was Charlotte Perkins Gilmans, who wrote â€Å"The Yellow Wallpaper† to challenge the ideals of society and their treatment towards women. Gilman, faced with the discriminatory and prejudiced challenges of her gender, her childhood shadowed and pelted on with poverty, a nd her mind plagued with the constant, deafening humming of nervous postpartum depression, unambiguously determined that she was going to raise her voice against constant chattering of chauvinist values. â€Å"The Yellow Wallpaper† is a direct echo of Gilman’s contest with the rest cure and the stifling confinement associated with it that drove her to the edge of falling into a chasm of madness. â€Å"The Yellow Wallpaper† revolves around Jane, a woman who is forced to live in solitary confinement as a way to cure her depression by her husband. She isShow MoreRelatedThe Yellow Wallpaper By Charlotte Perkins Gilman936 Words   |  4 PagesIn the short story The Yellow Wallpaper, the author Charlotte Perkins Gilman uses this story give a voice to the women that were dealing with oppression from men. Women during the time when this story was written were almost exclusively under the dominance of males. They were mainly house wives, and did what the male forced them to do. Many women were working in the house, and not allowed to leave, consequently making them lonely and depressed. Because of this, women were not as educated as menRead MoreSummary Of The Yellow Wallpaper And A P1484 Words   |  6 PagesT In both, The Yellow Wallpaper by Charlotte Perkins Gilman and AP by John Updike, there are similarities and differences between the common themes and symbols in the stories. Furthermore, through the stories you can see the development of the characters. In general, The Yellow Wallpaper, the main character is about a young, middle-class, newlywed, and a new mother, that is undergoing depression. In the story, the narrator tells the story through a strict first person point of view. In which theRead More Gender Roles in The Yellow Wallpaper1447 Words   |  6 PagesGender Roles in The Yellow Wallpaper  Ã‚        Ã‚  Ã‚   In Charlotte Perkins Gilmans short story The Yellow Wallpaper, the reader is treated to an intimate portrait of developing insanity. At the same time, the storys first person narrator provides insight into the social attitudes of the storys late Victorian time period. The story sets up a sense of gradually increasing distrust between the narrator and her husband, John, a doctor, which suggests that gender roles were strictly defined; howeverRead MoreThe Yellow Wallpaper913 Words   |  4 Pagesâ€Å"The Yellow Wallpaper† For quite a long time before the past century, the female gender had been a race characterized by limited opportunity and the widespread belief of inferiority to the male gender. It was not until the women’s rights movement took off in the 1920’s that women began to enjoy having the same opportunities as men and playing an active role in society. Before that time, women were perceived as being inferior to their male counterparts and received less respect than men. This resultedRead MoreThe Yellow Wallpaper Analysis872 Words   |  4 Pages  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚     The Yellow Wallpaper by Charlotte Perkins Gilman The story â€Å"The Yellow Wallpaper†   is written and told in the first person and is in the form of a journal. The story itself is told from a narrator who remains nameless, and her husband John that have come to vacation in a large house after the birth of their daughter. It seems as though john believes that this getaway would be good for our   narrator, as she has been suffering from hysterical postpartum behaviorsRead MoreAnalysis Of `` Mirror `` By Sylvia Plath And `` The Yellow Wallpaper ``1193 Words   |  5 Pages In my ENGL220 class, we have been reading a different kind of literature works. Different literature stories have struck a responsive chord in readers’ hearts. Two of literature works â€Å" Mirror † by Sylvia Plath and short story â€Å" The Yellow Wallpaper† by Charlotte Perkins Gilman both shows female’s oppressive living in patriarchal society and control by men. In the poemâ€Å" Mirror†, in the 20 century, the society influence women should care about how they look and they feel sad aboutRead MoreThe Status Of Women Should Be At Home Raising Children And Looking After Their Husbands855 Words   |  4 Pagesexample of life for girls in countries like Pakistan. â€Å"Under Boko Haram s version of Sharia law, women should be at home raising children and looking after their husbands, not at school learning to read and write† (â€Å"The Threat of Girls’ Education†). In another country, Ghana, the †2002 Population and Housing Census in Ghana indicates that 54.3 percent of female aged 15 years and over, have never been to school† (Sossou). Although education is not legally restricted for girls in countries such asRead MoreThe Yellow Wallpaper By Charlotte Perkins Gilman1547 Words   |  7 PagesCharlotte Perkins Gilman s career as a leading feminists and social activist translated into her writi ng as did her personal life. Gilman s treatment for her severe depression and feelings of confinement in her marriage were paralleled by the narrator in her shorty story, The Yellow Wallpaper. Charlotte Perkins Gilman was born in 1860 in Hartford, Connecticut. Her parents, Mary Fitch Perkins and Fredrick Beecher Perkins, divorced in 1869. Her dad, a distinguished librarian and magazine editorRead MoreThe Yellow Wallpaper And Gilmans Vital Symbolism1624 Words   |  7 Pages The Yellow Wallpaper Gilman’s Vital Symbolism â€Å"The Yellow Wallpaper† is a short story by Charlotte Perkins Gilman in which she describes the treatment of a woman diagnosed with a nervous disorder by her doctor and is prescribed the â€Å"rest cure.† The story describes the submissive, childlike obedience of women to men that was considered typical at the beginning of the twentieth century. In the story, there are many symbols that highlight women’s infantilization within marriage and a sexist societyRead MoreThe Yellow Wallpaper, By Susan Glaspell968 Words   |  4 Pageswhen it came to making decisions all the decision making were usually left to the men especially in relationships. The short story â€Å"The Yellow Wallpaper† by Charlotte Perkins Gilman and Play â€Å"Trifles† by Susan Glaspell are two pieces of fictional literature that exhibit the roles of women in a marriage during the period. In the short story â€Å"The Yellow Wallpaper† the reader reads about a woman who has been in a room for the summer to cure her sickness of nervous depression by her husband who is a