W. H Auden: The Unknown Citizen

The marble monument erected by the state or town is usually of a hometown hero. The person is almost always someone who did well for the country and originated from a certain town. The statue is almost never of someone who is just an ordinary man living life just like everyone else around him. This man is the model citizen; one who never causes a stir, goes to war when asked, and does everything to serve the common good. He is a conformist, a person whom the government holds high and promotes for others to strive toward becoming. The monument covers everything from his job record to his health history, all documented parts of his life, showing the reader exactly what the â€Å"State† is concerned with. Looking at the poem’s structure, use of sound, and the style we see that the man is celebrated because â€Å"he served the Greater Community† (Auden 5) in everything he did and never questioned the government. The narrative structure of the poem represents a speech by the local representative. The statue only has a reference number JS/07/M/378 because to the government the behavior is more important the man himself. While the speaker calls this man, â€Å"in the modern sense of an old-fashioned word, he was a saint† (4), he only knows this because of the research prior to the event. The representative decides to talk about how the man performed all t he correct tasks throughout his life. The state hardly cares whether or not the man â€Å"was popular with his mates and liked a drink† (13) so long as he â€Å"wasn't a scab or odd in his views† (9). It is also important to note that â€Å"he held the proper opinions for the time of year† (23) than if he was â€Å"free† and â€Å"happy† (28). The use of sound reveals that the Unknown Citizen lived an ordinary life. The speaker consistently uses a simple rhyming scheme- â€Å"Our report on his Union shows it was sound/ And our Social Psychology workers found† (11-12) to show the man’s existence. The reader learns that the citizen â€Å"was fully insured† (16) and that â€Å"he was once in hospital but left it cured† (17). The fact that the rhyme scheme is hardly tampered with suggests that the citizen's life was consistently regular and ordinary. The most significant use of sound comes at the end of the poem, when the speaker asks, â€Å"Was he free? Was he happy? The question is absurd:† (28). Here, the speaker reinforces the state's power over the individual and dismisses any notion that happiness and freedom are part of the state's plan. It also forces the reader to acknowledge the state's total control over its citizens and how the man's passive life was led according to the government's will, not his own. Looking at the style and the use of language in The Unknown Citizen it reveals that the man served the state in every aspect of his life and was rewarded to show other people the benefit of doing the same. The poem states that â€Å"there was no official complaint† (2) against this model man and it goes so far as to saying â€Å"he was a saint (4). The speaker describes more of the man's qualities in order to show the people what a model citizen should be like. Thus, he explains that the man â€Å"never got fired, / but satisfied his employers† (7-8) and â€Å"paid his dues† (10) on time. By doing this, the citizen â€Å"had everything necessary to the Modern Man, / a phonograph, a radio, a car and a frigidaire. † (20-21). The man even had the state in mind when he had a family of five children, for he had â€Å"the right number for a parent of his generation† according to the government's â€Å"Eugenist† (26). For those citizens who may have doubted whether the man's existence was an ideal one, the speaker explains that questioning whether or not the citizen was happy â€Å"is absurd† (28) because only the man's servitude to the state is important. The overall theme of the poem can be viewed as a symbol as a whole, as it is a symbol of how the government treats conformists versus individuals. A symbol can be found in the line â€Å"Our researchers into Public Opinion are content / That he held the proper opinions for the time of year;† (22-23). â€Å"Public Opinion,† which is capitalized, is very important to the â€Å"State,† as they feel if they can control opinion, they can control people, because most people will just go with the flow. It is through these subtle symbols that Auden is able to reveal how he feels about conforming to government xpectations, as most writers stray from conform. Yet despite the state's assurances, the Unknown Citizen's monument is still dedicated to a reference number instead of an actual name. Being a model citizen does not amount to much in a country where one's freedom and liberty are nonexistent and one's entire life is planned by the state. Indeed, the man's inscription illustrates this point: â€Å"To JS/07/M/378 / This Marble Monument is Erected by the State† follows the familiar rhyme scheme that marked the man's passive life.

Article †Loricia Skin Care’s Home Spa Line

Enjoy the benefits of a private and luxurious spa treatment in which all resources exist solely for you and all attention is focused directly on your needs. This is the treatment you receive with Loricia Skin Care’s Home Spa Line, specially designed to cater to the African American woman’s skin. In fact, this product is designed to fit the varied skin types that exist, and choosing Loricia’s home spa products means choosing the service that is tailored to suit the needs of your particular skin type. We have a combination for every skin type. Choose from Mature Skin Care, Oily Combination Skin Care, Normal Combination Skin Care and Dry Skin Care products that are designed to improve all skin conditions and bring out the best in your skin. The Mature Skin Care formula will pamper your skin, cleansing it from all impurities and restoring it to its natural beauty. Your inner glow will shine through with the use of Ginseng Toner and Marine Moisturizer to bring out the health and beauty of your skin. The Combination Skin Care treatment uses gentle exfoliating cleansers, Ginseng Toners, and Sage & Citrus moisturizers to remove oil, blemishes and fortify your skin against harmful grease and grime. Normal Combination Skin Care uses a unique blend of Borage Leaf and other minerals to give your skin that extra healthy glow. It also uses Restorative Marine Moisturizer to restore your skin to the glorious splendor of youth. For Dry Skin Care, trust our revitalizing Chamomile Cleansing Lotion together with Ginseng Toner and Marine Moisturizer to remove dry, flaky skin and protect your face from wind and cold elements that dry it out. Be pampered, indulged and spoiled by our unique Home Spa products that treat you as special, as though you were the only woman in the world. Made especially for the African American skin, you will be enveloped in a warm, fresh and aromatic cocoon of lavish gratification that shows in the elegance and beauty of the skin you present to the world every day. Â   Â  

Ideal Student Essay

Quote: I realized that the only purpose to revolution is to be able to love who you want, how you want, when you want and where you want†¦ Idle student: An ideal student is someone who is thirsty for knowledge. Such a student will not be distracted in class. After all that is what every teacher desires. This thirst for knowledge will ensure that she is attentive and is committed to learn all that she can about a particular subject so that she can understand it fully. An ideal student will also have certain other distinguishing qualities. She will have well – defined goals in life and her effort will be to do whatever it takes to achieve these goals. For instance, if you ask her what she aspires to be, she will have a ready answer. And she will have a good reason for what she aspires to be. She will also have a clear vision of what is necessary to attain her goal. An ideal student will respect her teachers but will not be afraid of them. She will have the courage to admit her ignorance and ask for advice and direction if she needs it. She will not be the kind of person who accepts  things blindly and learns by rote. She will try to grasp concepts and if she finds it difficult, will have the confidence to approach her teachers for more information. She will be active in many things for she understands that one should have a well – rounded personality. She will have character more than anything else for it is character that makes a person’s destiny. She will compete only with herself and if someone seeks her help in class, will show no hesitation in giving it. An ideal student will observe discipline. She will be punctual and properly dressed. She will not absent herself from class for silly reasons and will do her homework daily. She will be neat and tidy and observe decorum in class. Children are the wealth of a nation. A Nation that produces a generation of talented and hardworking youth marches ahead on the path of progress. However creating quality citizens is no easy task and cannot be achieved overnight. The first step for that is to produce ideal students in our schools. These ideal students would go on to become ideal citizens. Who is an ideal student.? There isn’t one definite answer to that because there are many qualities that together define an ideal student. The most important quality of an ideal student is that for him. the foremost duty of his school life is to study. He studies regularly and works hard to improve his performance in each exam. But his objective of studying is not to only score good marks or secure a high rank. Beyond that he has a thirst for knowledge , an interest to learn more about everything he observes. Apart from studies, an ideal student actively gets involves in other activities. He is good in arts and sports and regularly participates in intra and inter school events. He is an active member of various clubs in the school and helps in organizing events. But participating in competitions and winning events is not the only big thing in life, and an ideal student knows that very well. Virtues like kindness, compassion,respect , sincerity, honesty, politeness are equally important in todays world, and these qualities are found in abundance in an ideal student. He treats his parents, teachers and elders with respect, and speaks politely to everybody. In times of crisis for his friends, he is the first person to stand by them. He never boasts of his achievements and never gets depressed by his failures. He is always cheerful and maintains a positive approach to life. He spreads hope and happiness wherever he goes. In short his conduct is admired by everyone. An ideal student is a voracious reader. He reads the newspaper regularly and is well aware about the events and happenings in various parts of the world. He also reads magazines, noels and short stories. he has an excellent grasp of the language and is very good at  communicating things to others. Last but not the least, an ideal student loves his parents and family members very much and does as much as he can to help them and to keep them happy. He never wastes his parents’ hard-earned money and believes that knowledge is the biggest wealth he can acquire. An ideal students grows up to be an asset to his family, his society and the country. If only all our schools couls produce more and more ideal students, our country could achieve tremendous progress and become the envy of the whole world..

The impact of scraping of the retirement age on the management of HR Essay - 1

The impact of scraping of the retirement age on the management of HR in Organisations - Essay Example (Age UK, 2010). The decision on this ground shows growing need of service from the Britons to carry on working, only if they are fit and healthy and continue their work. This move of the government was welcomed by personnel groups but the business leaders notified in a form of warning that this measure might leave the employers blank with regards to their planning for future. This is because they would not know about the exact timing of retirement of their employees so that they can prepare the succession plan (Beckford & Peacock, 2010). The following literature review has been prepared to provide empirical evidence of the impact of such policy of the government to scrap the age of retirement. The evidence of this literature review has been collected from different articles and journals basically through secondary sources. According to Cadler (2010), scrapping or removal of the DRA will be one among the biggest alterations to employment law when it would come into being in the year of 2011. The author says that this reform will leave a number of unresolved problems for the employers. This is because the rules regarding this policy will be very unclear to all the employees along with the employers. At the same time, it will be unclear to all the stakeholders of the organisation (Cadler, 2010). Skirbekk (2004) stated that recognizing the profiles of age-productivity, is a significant factor of the economic world at present. The government recognised this factor and thus the issue gained importance. Government focuses on the demographic and economic factors of the country that are changing. Life expectancy is an important demographic indicator of the affect on economic growth of a country. This indicator influences the age structure of an economy. The government took the decision to scrap the retirement age because it is believed that individual productivity rises to its peak level at later stages of working life.

Living Together Before Marriage as a Controversial Topic Research Paper - 7

Living Together Before Marriage as a Controversial Topic - Research Paper Example The people who strongly oppose couples living together prior to marriage stress the significance of adhering to traditional beliefs in the sacrament of marriage. The previous generation has always supported the need for marriage before their children could live with a person not yet considered one’s spouse. The belief marriage is more than a mutual agreement, but more so, a sacrament blessed by Divine Power is prevalent in major religions. Those couples who decide to get married have their unions blessed and are therefore believed to endure challenges and trials ‘until death do them part’. On the contrary, supporters of those who believe that living together is an agreement that is more beneficial indicate that disagreement from various sectors is not fully justified. Although the majority of people believe that living together is, in fact, going against the norm by asserting that â€Å"cohabitors are partially rejecting society's dominant value system. Those peo ple who enter cohabitation relationships tend to perceive social rules in flexible terms† (Cohabitation, par. 11). A glimpse on the research on contemporary generation has proven that â€Å"young couples are most accepting of cohabitation, and it is likely that it will become increasingly popular over time† (Barlow, Duncan, James, and Park, 1). In this regard, there are lesser social pressures or stigma associated with couples who opt to live together prior to marriage. Living together before marriage gives more benefits as long as the couples are physical, emotionally, economically mature to acknowledge the responsibilities and accountabilities that go with the agreement.

Compare and critically analyze the UK marketing strategies of Domino's Essay

Compare and critically analyze the UK marketing strategies of Domino's Pizza and Pizza Hut - Essay Example This paper will compare and critically analyse their business objectives will be made, followed by further comparisons and analyses of their marketing mix, marketing segmentation, and positioning in the UK market. The main priority for Domino’s Pizza is to provide timely and customer friendly service, which is reflected in its marketing objectives. For example, Domino’s considered the time when customers place and receive pizza orders as a great opportunity to connect with their customers. To do this, Domino’s offers their customer’s real time updates on order confirmation and delivery time to improve their delivery service. On the other hand, Pizza Hut’s main marketing objective is to engage with its customers by identifying their characteristics in order to provide them with relevant and timely offers. Moreover, Pizza Hut wishes to grow and retain its present customer base through the use of various promotion campaigns. Both Pizza Hut and Domino’s Pizza also seek to build their brand names to become household names in the UK, while also building customer loyalty through the provision of excellent and quality foods and quick service (Yohn, 2014). The basic product offered by Pizza Hut is dining experience, although they also provide food (Yohn, 2014: p1). The main product offering for Domino’s Pizza is their food, while their excellent delivery services that promise pizza in 30 minutes flat also counts as part of the product offering. As a result, customers whose basic need is food may visit Domino’s for a pizza or order for pizza from the comfort of their residence expecting good taste and hot pizza. The main difference between Pizza Hut and Domino’s is that Pizza Hut is mainly concerned with the dining experience because they run a restaurant operation, unlike Domino’s that mainly offers a home delivery service (Yohn, 2014). With

Business Report Essay Example | Topics and Well Written Essays - 1000 words

Business Report - Essay Example The emerging consumer concerns are likely to corner the operations and business prospect of the company if the necessary actions are not taken. In order to survive the economic downturn and counter the emerging challenges in its business line, Nature Foods Ltd has to effectively and efficiently manage changes within its business. 1. Terms of Reference Nature Foods Ltd UK markets Manufacturing and packaging Consumer concerns Raw food Retailers Imports and importation Competition Breakfast cereals Snack bars Dried fruits and nuts Food industry trends Environment Global business Low food mileage Natural and artificial ingredients Economic downturn Business operations and performance Business change management Economic future Contemporary times Purpose of research 2. Procedure Research aiding the compilation of this report was conducted on observation basis, focusing on the food industry in the UK and its players. Secondary research was specifically employed, using both primary and secon dary sources of information. References are cited accordingly throughout this report. 3. Findings 3.1. UK Food Markets Environment The UK food markets environment is highly competitive, characterized by manufacturers, wholesalers, and retailers (Fox, 2005, p.19). Nature Foods Ltd is a retailing firm that engages in processing imported raw food. The company’s product line deals with breakfast cereals, snack bars, and dried fruits and nuts. Food markets in the UK food industry depict as aspect of the need to design, redesign, and integrate change in business operations to ensure that consumer needs are met and that consumer concerns are timely addressed (Jack, 2009, p.201). Economic downturn combined with a number of consumer concerns, tastes and preferences have posed substantial operational challenges to Nature Foods limited. The economic downturn has significantly influenced the business portfolio of the firm. Consumers’ preference to go local in terms of product cons umption threatens the company’s business continuity due to the fact the company only manufactures and packages its products after importing raw food from foreign countries. Note that this aspect is also influenced by global business trends both locally and internationally. Advocacy for low food mileage has increasingly become prominent as consumer shift to relatively less transported food. This has necessitated the need for change management in manufacturing and packaging procedures, thereby influencing business operations and performance (Coles & Kirwan, 2011, p.167). In this respect, the performance and success of an enterprise is influenced by the strategic plans adapted to suit the operations of the firm. Natural and artificial food ingredients have also been put to test. The tastes and preferences of the consumers are increasingly becoming oriented towards natural ingredients as opposed to artificial ingredients. In the light of these findings, Nature Foods Ltd has to re -evaluate and restructure its business processes. 3.2. Impacts on the Business Consumers have increasingly become cautious about environmental issues, resulting in preference of locally produced products to those imported from foreign countries. This concern directly cuts into the operations and product line of Nature Foods Ltd. Most importantly,

SMITHFIELD STREET BRIDGE (PA) Research Paper Example | Topics and Well Written Essays - 3000 words

SMITHFIELD STREET BRIDGE (PA) - Research Paper Example Pittsburgh’s huge need for bridges presented a good opportunity for the engineers to showcase their knowledge and talent .The only form of transport within the town and some sections of the river banks in the early 19th century was the use of skiffs or canoes. As the community developed people realized that it was mandatory to build a ferry service and in 1818 the Jone’s Ferry service was established, in order to improve their business oriented culture. The ferry operated between southern bank of Monongahela and the base of Liberty Street. Stock and goods were carried by boats while passengers were carried by skiffs. In 1840, a more advanced horse ferry was developed which used blind horses as motive power. The blind horses were fitted in horizontal wheels when then propelled the boats (Von 77). A few years later a steam ferry was established by Captain Erwin on the southern bank of Ohio near the section where the rivers formed a confluence. Sadly, the ferry project col lapsed a few years later together with the Jones ferry project.Leaving just one operational steam ferry which operated from Penn Street to Saw Mill Run.The essay will deal with the three bridges elected at the Smithfield Street and how their construction revolutionized the bridge construction technology in the 19th century when civilization was developing at a remarkable speed The first bridge among the Pittsburghs highway bridges was known as the Monongahela Bridge. A bill was passed In Pennsylvania by the state legislative council allowing two bridges to be built at Pittsburg. One would be built over the Allegheny and the other one over Monongahela. Judge Findley, a member of the legislative council was given the task of calculating the overall cost of the structures. His calculations indicated that approximately 1200 feet of the river required chains that were 1590 feet long and four other iron chains weighing 64

Letter Annotated Bibliography Example | Topics and Well Written Essays - 500 words

Letter - Annotated Bibliography Example Such, we would like to know if it would be possible for your company to deliver those microwave ovens by August 15. We intend to order by quantity. Since we are operating on a budget, we would be particularly interested if you can give discounts if we order in bulk. Please send us a quotation of your discounted price for us to seriously consider. We would also like to know the specification of your microwave ovens to determine it ease of use. We hope that you will respond to our inquiry as soon as possible because we have to decide soon which seller we would order our microwave oven requirements. The information you will provide us will tremendously help us in considering your company with our requirement for microwave ovens. As our valuable client, we would like to inform you that we took the initiative to update your ledger so that it would reflect the correct transactions of your company. As an accounting firm, we understand how important it is to have a correct accounting record because the figures in your books will be used by your company in its decision making. The necessary adjustment in your company’s ledger however was not part of the quotation that Accountants For All had quoted for this year’s services. The service, although it required manual review and adjustment of the receipts and ledger, cost only $500 which will be added to the previously quoted amount for this year’s tax services. We hope that you understand the necessity why we have to manually adjust your ledger. As a valuable client, we would like to ensure that your books are correct and updated. Such, we took the initiative of proactively updating it before any issue would

EMR Essay Example | Topics and Well Written Essays - 2000 words

EMR - Essay Example With this in mind, it can be said that organizational change is an ongoing process that goes hand in hand with the introduction of new technologies to the market (Chemuturi, 2010). Choosing to ignore the onset of these new software products will only serve to hold an organization back with regard to its self improvement and as a result halt the growth of such a company leaving it to be overtaken by its competitors (Apostolou et al, 2010). This is an issue that any establishment has to consider be profit or non profit as being left behind in a world that is changing on a daily basis will more than likely lead to the relevance of that particular organization rapidly decreasing resulting in its extinction form existence in the end. The Organizational Change As mentioned earlier, the health sector has not been left behind in the technological revolution and the change product that has been nominated for implementation in this project are the patients records that are kept in storage. The implementation constitutes of changing the nature of the records from paper form to a more up to date soft copy format that will be stored within an electronic computer data base (Apostolou et al, 2010). This will mean that the records will no longer be stored in physical form consisting of files archived in a particular part of the building but instead will be retrievable from a computer by any individual who has been given authorized access (Chemuturi, 2010). It should be noted that the information on the patients records will remain the same and the only change involved will be the manner in which it is stored and can be retrieved. In technical terms, it can be said that the records will be transformed from a hard copy version (that is, physical files and documents containing the patients’ information) to a soft copy format (that is, electronic files that are stored and accessed from a computer hard drive) thus the only difference coming about is where the files can be re trieved from (Chemuturi, 2010). This organizational change can be described as a technological advancement due to the nature of the processes that will be involved. The health facility will be taking a step forward moving from the traditional methods of storing information to more advanced ways that have entered the market thanks to the introduction of technology to the information sector. The files that will be stored in this new format can be referred to as e records (electronic records) and serve as the new wave of data storage that has taken over the more traditional means. Switching from physical storage of the patients records to a soft copy format will ensure that any needed information will be accessible to the doctor or whoever it may concern will be accessible from any location provided that an individual has a computer or any other electronic device with access to the internet such as an I pad or smart phone. The switch will also prove to be a good way of storing large am ounts of data/information in an easier manner as the issue of physical space does not arise with this type of record keeping (Chemuturi, 2010).

The division of labour Essay Example for Free

The division of labour Essay But with five men specializing in their respective trades, they are not only able to provide sufficient pins for themselves, but also a surplus is generated from the mass production of the pin. As a result, manufacturers are able to keep up with the demands of a populated society. The division of labour clearly serves as an advantage to the economy. Smith reasons that the division of labour originates from mans tendency to barter (317). Smiths saying, Give me that which I want, and you shall have this which you want (318), accurately expresses mans method of attaining his needs. Man trades in self-interest but depends on others co-operation and assistance (318) to do so. The more man trades, the more wealth he acquires. Since the division on labour allows man to produce large amounts of surplus, he has the advantage to trade his surplus for a wealth of personal items. For example, a farmer who cultivates an excess amount of apples trades part of the surplus to a baker who in turn, provides the farmer with fresh bread. He also trades a large amount of the surplus to a grocer who pays him back with a large sum of money. The farmer becomes wealthy. The quantities produced through the division of labour multiply exponentially. According to Karl Marx, the division of labour occurs between the bourgeois and the proletarian. The bourgeois are a wealthy, dominant class interested in the trade of markets. European colonization during the Middle Ages allowed new markets (like Chinas gunpowder market or East Indias salt market) for the bourgeois to trade with. In Europe, the dominance of the Modern Industry caused the demands of the population ever rising (449). Consequently, the markets kept ever growing (449). The bourgeois, experienced in international trade, were able to handle the growing European economy. Wealthy from their international trades, the bourgeois set up giant factories using proletarians, low class workers, for the manual labour of the production of goods. The large amount of accumulated labour allowed the bourgeois to keep up with the populations growing demand. The influence of the modern industry forces the proletarians to work with machinery, [obliterating] all distinctions of labour, and nearly everywhere reduces the wages to the same low level (454). To the bourgeois, the poor labourers who must sell themselves piece-meal, are a commodity (452). Due to the low wages paid by the bourgeois, the proletarians can only support their existence. Neither luxuries nor freedom are affordable. For example, culture-a luxury-is a proletarians loss which he laments (459). Without it, these labourers without option are forced to act as a machine (459). While the bourgeois have independence because of their wealth, the poor proletarians are dependent and [have] no individuality (458). With their freedom denied by the bourgeois, the proletarians congregate nation-wide into a Trade Union to revolt against the selfish bourgeois-The abolition of bourgeois individuality, bourgeois independence, and bourgeois freedom is undoubtedly aimed at (458). The bourgeois, threatened by the proletarians, have no choice but to grant them better living conditions. From the division of labour between the proletarians and the bourgeois, various characteristics of human nature are illustrated. A main characteristic is the dependence which humans have for one another, no matter their societal status. In Communist Manifesto, we witness the bourgeois depend on the proletarians. The proletarians in turn depend on the bourgeois for a source of income. Another characteristic is the greed shown by the bourgeois. In an attempt to accumulate as much wealth as possible, the bourgeois pay the proletarians a smaller amount of what they deserve. The bourgeois care only for the proletarians existence because they provide the bourgeois with wealth. Humans also need freedom to live. The consequences of denying freedom are dangerous, as witnessed with the proletarians-they destroy imported wares that compete with their labour, the smash to pieces machinery, they set factories ablaze until they restore by force the vanished status of the workman of the Middle Ages (453). Dependence, greed, and freedom are characteristics of human nature. If these characteristics are manipulated or ignored, destructive events could occur, as described by Marx in Communist Manifesto. The men, in search of an effective ideology, present their different views on human nature. Human nature is the basis upon which the men reason the causes of the division of labour. Since their perspectives are not identical, their reasons of the causes of the division of labour also are not identical. Rousseau sees human nature as progressive. From basic instincts come the ability to reason, and from reason comes the division of society. The inequality in the division then leads to the slow corruption of the society. Smith, on the other hand, sees the division of labour as an advantage to the economy because it stems from an innate tendency to trade. Marx sees the presence of the division of labour due to the innate vices that plague society. Out of greed, the bourgeois gain from the poor proletarians whom they depend on. But the proletarians retaliate and regain their essential freedom. While the men fail to seek a suitable ideology that gladly accommodates the vices of human nature, we witness the true power of its vices as it persists to plague man. Work Cited Cohen, Mitchell and Nicole Fermon, ed. Princeton Readings in Political Thought. Princeton, New Jersey: Princeton University Press, 1996.

Tuition reimbursement Essay Example for Free

Tuition reimbursement Essay Introduction According to (Hall, 2000. 30-31), tuition reimbursement refers to a study program for adult learners which involve provision of financial help to meet the cost of education of the adult learners. The organizations for which the adult learners work for are required to meet the educational costs as part of employees’ benefits and growth and development strategy. According to (Hall, 2000. 30-31) tuition reimbursement has several benefits to an organization. First of all, tuition reimbursement increases productivity of the organization in that, with the acquisition of new skills, employees are empowered to perform more complex tasks faster and more efficiently than it is the case whereby employees lack important skills and training.    The second direct advantage of the tuition reimbursement program is the fact that, employees given the opportunity to study become more loyal to the organization and feel more close to the organization and therefore are less likely to quit their jobs. In this way, tuition reimbursement greatly puts employee turnover very low to the advantage of the organization’s growth.   Therefore tuition reimbursement leads to improved employee retention and clearly minimizes the costs associated with the staffing process. This increases profits for the organization. For the organization, tuition reimbursement qualifies the given organization to tax benefits in accordance to the revenues act of 1978 (Rocchi, 1997.87-90). This is beneficial to both the organization and the employees in that, the organization saves a lot in terms of taxes payable to the government, the tuition reimbursement is crucial to the employees in that, they stand to gain promotions easily than their counterparts who may not poses such skills and knowledge.   Tuition reimbursement are important to an organization in that, employees become more skilled and as a result, the organization ends up with a more united work force which is not only effective but also efficient since there is a general feeling of security for the employees and a feeling of being appreciated. Tuition reimbursement is very important to organizations in that it gives a chance to those who missed the opportunity while young but have the willingness and the desire to achieve high academic standards.   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Human resources form the engine of an organization. An organization, which wants to achieve its goals and objectives, should invest in knowledge management as it is the heart of empowering employees as well as mentoring their talents. Any organization, which does not take into consideration, the learning needs of employees is bound to fail in its objectives. The greatest challenge facing organizations as far as career growth and development of employee are concerned is increased costs associated with funding employee adult learning courses.   It is approximated that, organizations spent about $1800 to train a single employee annually something which is quite tasking on part of the organization (Spooner, 1999.12-43). Such a huge amount of money evidently causes financial constraints and if managers do not appreciate the importance of career development, it is hard for organizations to sponsor adult learning programs on basis of the huge associated costs. Adult learning has very many advantages in that it determines job performance and the success of a given organization. The fact that learners have had a considerable exposure to job aspects, challenges and real issues implies that, given an opportunity to study, the adult learners stands a great chance of taking theories and concepts to real life issues (Schwartz, 1992.56-98). Adult learners can easily link concepts to issues at work something which implies that, given an opportunity to learn, adult learners can even outperform fresh graduates in terms of connecting class lesson to practicals work situations and are therefore likely to overcome barriers in the work place. While fresh recruits find it hard to link class theories to work situations and challenges, and learners easily associate into work situations what they study in school. When adult when adult learners go into college, they go there with a vision. Perhaps, having seen challenging tasks, which need some knowledge they lacked, they proceed to college with a dream, with some expectations and a clear focus of what to gain in the studies. Usually it is very tough for adult learners to go back to class considering that, they have financial burdens such as families to fend for and many other financial commitments. This implies that, by the time an adult makes the decision to go back to class, the motivation is very high, the expectations are realistic and the drive is genuine. While young learners may end up in schools for a number of different reasons, different sources of motivation, it is rare to get the same case being true for the adults. This is the reason why human resources managers should come up with tuition reimbursement programs for adult learners willing to go back to studies. The company has a moral obligation to nurture the talent in the employees not withstanding the employers’ gains achieved after they have invested in the studies of their employees. Usually employees who are sponsored to schools would rarely quit a job soon after the training something which implies that, the new skills and knowledge learnt in school is likely to benefit the company considering the wealth of evidence linking training to increased job performance. If employees are given the necessary support in terms of sponsorship to attain their academic goals, this is to the employees; a form of empowerment is likely to boost their morale making them to improve their job performance.   Employees who decide to go back for studies after a while and after having a contact with the job environment are more likely to appreciate what education means to their lives and they are also more likely to have the right attitude towards studies (Andrieu, St. John, 1993.44-79). The above implies that the outcome of tuition reimbursement is that; the organization will have focused and knowledgeable human resources. For the organization, it also implies that, they can promote such employees to managerial positions instead of recruiting from outside the organization whenever they need to fill senior job vacancies.   This to the organization is beneficial in that, employees who have been with the organization for longer periods understand the organizations’ environment, external and internal processes in a better way. This are an advantage to the organization in that, the organization will not have to incur the expenses associated with debriefing new employees who carry on organizational cultures from their previous organization to their new organization. Normally, no organization operates in similar manner like any other given organization and therefore employees who are recruited on the strength of their past experience usually face challenges in adjusting to the new organization’s culture. These difficulties in adjusting to new environment may some time take long periods of time and therefore negatively affect job performance in the organization. Tuition reimbursements are the best solution to the prevention of inconveniences and uncertainties of having to recruit certain skills outside the organization. Conclusion Tuition reimbursement programs if well utilized can be beneficial to an organization. The program is however faced with great challenges considering that it can be open to abuse by employers who may use the program as a bait to woo employees in to remaining with the organization against their wishes. However, if well utilized, the program greatly improves productivity, employee motivation and saves the company a lot in terms of tax benefits such organizations enjoy from the government. There is a need for all organization to implement the program so that, any willing employee can enjoy the benefits associated with tuition reimbursement schemes. References Andrieu, S. St. John. E. (1993.44-79). The Influence of Prices on Graduate Student Persistence. Research in Higher Education, Vol. 34, No. 4, pp. 399-425. Hall, K. (2000. 30-31). Distance Education: An Insider’s View. AALL Spectrum. Rocchi, B. (1997.87-90). Nine Reasons Why You Should Go To Professional Conferences. NetNexus. 3. Schwartz, A. (1992.56-98) How to Handle Conflict Between Employees. Supervisory Management (37) Spooner, F. (1999.12-43) Student Rating of Instruction in Distance Learning and On-Campus Classes. Journal of Educational Research. (92)

Homeless veterans in the US

Homeless veterans in the US WHO ARE HOMELESS VETERANS? Abstract It ought to be evident at this point that destitute veterans are not being served well by any means. On the off chance that the destitute veterans were legitimately looked after by our nation, the aggregate destitute populace would fall by more than forty percent over night. Destitute administrations would then have adequate subsidizing to move huge numbers of whatever is left of the destitute off the roads into transitional lodging with administrations that bring them again into the working populace. It would be a fantasy works out. If our nation would venture up to the plate, vagrancy in our nation would be essentially disposed of. Vagrancy among veterans is a real issue in United States. There are projects and administrations to help veterans, yet these endeavors are insufficient to viably address the emergency. This paper characterizes destitute veterans, analyzes their conditions, distinguishes current projects that address the issue, presents contentions for business as usual, presents contentions against the norm, and afterward closes with an ethical position. Thesis statement Destitute veterans are a real social issue confronting our general public today. Vagrancy among United States veterans are of specific concern to the general public in light of the fact that everybody sees a percentage of the weights confronting vets after coming back to regular citizen life. Who are homeless veterans then? The U.S. Division of Veterans Affairs (VA) states that the nations dejected veterans are male, with around 7.5 percent being female. The larger parts are single; live in urban zones; and experience the evil impacts of passionate insecurity, alcohol and/or substance sick utilization, or co-incident issue. Background Information The specialists accept that destitute veterans make up around 11 percent of the United States destitute populace. Veterans encountering long haul vagrancy are more inclined to be white to have a poor job history, to have side effects of mental and substance ill-use issue, and to have weaker social backing (Applewhite, 1997). Ladies veterans and those with handicaps including post-traumatic anxiety issue and traumatic mind harm are more prone to end up destitute, and a higher rate of veterans coming back from the present clashes in Afghanistan and Iraq have these attributes. Prepared volunteers with the 100,000 Homes Campaign overviewed more than 23,000 destitute Americans in 47 groups the nation over and discovered that veterans have a tendency to be destitute longer than non-veterans. Indeed, destitute veterans reported a normal of about six years destitute, contrasted with four years among non-veterans. The researchers acknowledge that desperate veterans make up around 11 percent of the United States down and out masses, which are around 31 penniless veterans for every ten thousand veterans. This figure is much higher than the rate of vagrancy in the overall population (Peterson, 1987). Veterans experiencing long term vagrancy are more disposed to be white to have a poor occupation history, to have reactions of mental and substance sick utilization issue, and to have weaker social support. There is stress over whats to come. Women veterans and those with debilitations including post-traumatic uneasiness issue and traumatic personality damage are more inclined to wind up dejected and a higher rate of veterans returning from the present conflicts in Afghanistan and Iraq has these traits (Bascetta, 2005). Arranged volunteers with the 100,000 Homes Campaign diagramed more than 23,000 down and out Americans in 47 gatherings the country over and found that veterans tend to be penniless longer than non-veterans. Undoubtedly, penniless veterans reported an ordinary of around six years down and out, appeared differently in relation to four years among non-veterans. The Main Body Veterans are 50% more inclined to end up destitute than different Americans because of neediness, absence of bolster systems, and grim living conditions in packed or substandard lodging. Around 1.5 million veterans are considered at-danger of vagrancy. At danger is characterized as being beneath the neediness level and paying more than 50% of family unit salary on rent. It additionally incorporates families with a part who has a handicap, an individual living alone, and the individuals who are not in the work power (Baumohl, 1996). Exploration demonstrates that the most serious danger components for vagrancy are absence of bolster and social detachment after release. Veterans have low marriage rates and high separate rates; and, at present, 1 in 5 veterans is living alone. Informal organizations are especially essential for the individuals who have an emergency or need interim help. Without this help, they are at high hazard for vagrancy (Jasper, 2009). Ladies veterans face challenges that could add to their dangers of vagrancy. They are more prone to have encountered sexual injury than ladies in the overall public and are more probable than male veterans to be single folks. Truly, couple of destitute projects for veterans has had the offices to give separate housing to ladies and ladies with youngsters. How do Veterans get to be destitute? Our Veterans, the ones who serve in the United States Military, have battled for our nation and others. They have served us well by deserting their families and wandering off into obscure terrains like Iraq and Afghanistan to do right by us of them. We call them Heroes until they return home. Our Heroes return securely home from death and annihilation just to be made mindful that they are the same as any other person. Well if our Veterans are dealt with more any other individual than vagrancy wont separate. Our Heroes get back home excited to see their families and to begin a so call ordinary regular citizen life. Their psyches are loaded with recollections of seeing companions kick the bucket or recollections of taking an individuals life. The Veteran are faced with issues ranging from managing trials, tribulations and dissatisfactions of unemployment in view of absence of abilities and preparing which prompts exorbitant lodging to look after dep endability (McNamara, 2008). Vagrancy happens among families with youngsters and single people, in provincial groups and in addition vast urban communities, and for differing times of time. Contingent upon circumstances, times of vagrancy may differ from days to years. Transitionally vagrants are the individuals who have one short stay in a destitute asylum before coming back to changeless lodging. The individuals who are verbosely destitute every now and again move all through vagrancy however dont stay destitute for drawn out stretches of time. Chronically destitute people are the individuals who are destitute ceaselessly for a time of one year or have no less than four scenes of vagrancy in three years. Chronically destitute people frequently experience the ill effects of maladjustment and/or substance utilization issue (Nchv.org, 2015). Destitute veterans started to go to the consideration of general society while vagrancy for the most part was getting to be more normal. News records chronicled the predicament of veterans who had served their nation yet were living and kicking the bucket in the city. The usually held idea that the military experience furnishes youngsters with occupation preparing, instructive and different advantages, and in addition the development required for a profitable life, clashed with the vicinity of veterans among the destitute populace. With a specific end goal to fit the bill for support under the destitute veteran projects administered by Title 38 of the U.S. Code, veterans must meet the meaning of destitute veteran. Declining wages and increasing expenses of lodging have confused veteran vagrancy and have put lasting lodging out of scope for a few veterans. Giving these veterans Section 8 vouchers, or other comparative lodging vouchers, are viable approaches to get the veterans off the lanes (Peterson, 1987). Both male and female Veterans are more inclined to be destitute than their non-veteran partners in the same age companions. Rates of dysfunctional behavior and substance misuse and wellbeing issues, for example, HIV/AIDS, and hypertension may be higher among destitute Veterans. Conclusion Reasons for vagrancy among Veterans are like reasons for vagrancy among non-Veterans interrelated monetary and individual variables and lack of reasonable lodging. About a large portion of a million Veterans pay more than a large portion of their pay for rent. Dominant part of destitute Veterans are single; social disengagement is connected with higher danger of vagrancy (Rosenheck Koegel, 1993). Destitute veterans are a real social issue confronting our general public today. Vagrancy among United States veterans are of specific concern to the general public in light of the fact that everybody sees a percentage of the weights confronting vets after coming back to non-military personnel life. Genuine measures need to be taken to spare the fallen troopers from the hazards of a frantic life in the city of America. We should first comprehend the life of destitute vets to draw profitable knowledge into why customary endeavors at fathoming this issue are unprofitable. The general public needs to bring possession in living up to expectations with State and Federal Government to execute effective arrangements which create positive results in wiping out vagrancy among our veterans. Destitute female vets are frequently disregarded in current techniques and we have to contemplate this and create suitable answers for the overlooked sexual orientation. At long last, restoring vets to a ga inful part in the public arena is a continuous process and requires more than putting a transitional rooftop over their heads and rotating entryway recovery treatment (Sweet, 1987). Other psychological well-being issues that may bring about subjective disabilities challenges with focus or recalling errands, troubles in social connections or controlling temper or motivations, or different impacts that may make boundaries to business and stable connections. Veterans have a tendency to be more youthful and are more prone to have youngsters. Contrasted with destitute male Veterans, ladies Veterans are more inclined to have a background marked by sexual injury or genuine maladjustment, and less inclined to have genuine substance misuse issues(McNamara, 2008). Bibliography Apple white, S. (1997). Homeless Veterans: Perspectives on Social Services Use. Social Work, 42(1), 19-30. Bascetta, C. (2005). Homeless veterans. [Washington, D.C.]: U.S. Government Accountability Office. Baumohl, J. (1996). Homelessness in America. Phoenix, Ariz.: Oryx Press. Jasper, M. (2009). Veterans rights and benefits. New York: Oceana. McNamara, R. (2008). Homelessness in America. Westport, CT: Praeger. Peterson, M. (1987). Homeless Veterans, Continued. PS, 38(7), 774-775. Rosenheck, R., Koegel, P. (1993). Characteristics of Veterans and Nonveterans in Three Samples of Homeless Men. PS, 44(9), 858-863. Sweet, M. (1987). Homeless Veterans. PS, 38(1), 78-79. doi:10.1176/ps.38.1.78

Genetic Engineering: Our Key to a Better World Essay -- Genetic Engine

What is genetic engineering one might ask and why is there so much moral controversy surrounding the topic? Genetic engineering as defined by Pete Moore, "is the name given to a wide variety of techniques that have one thing in common: they all allow the biologist to take a gene from one cell and insert it into another" (SS1). Such techniques included in genetic engineering (both "good" and "bad") are, genetic screening both during the fetal stage and later in life, gene therapy, sex selection in fetuses, and cloning. Because of many ethical, religious, and safety concerns, genetic engineering is the source of much debate and argument. Many people, even scientists, have raised strong questions concerning the issue. In his article Moore raises such questions as, "Could the technology get out of control and damage human health or the environment? Who will decide which of the many uses are safe and permissible, and which should be banned? How can we assess the safety of genetic enginee ring?" (SS1) These questions and similar ones raised by the opposition do hold valid moral and ethical considerations. However, the vast benefits of regulated genetic engineering techniques could greatly improve human health, the environment, and agriculture, and must be allowed to be explored by responsible scientists. Simply put, genetic engineering offers a possible brighter future for our world and everyone in it and it must be pursued in a restricted manner so the positive effects can be obtained. The first point that must be made when arguing for the use of genetic engineering is stressing that genetic engineering must be highly controlled to avoid possible catastrophe. In his book, The Ethics of Genetic Control, Joseph Fletcher describes ... ...seases would also be eliminated. It is obvious that both sides of the genetic engineering debate have very valid arguments based on their beliefs. However, from the scientist standpoint the banning of genetic engineering research and techniques would be a rash mistake. For how can we know what might have been if we never try? And how can with move our world into the future without exploring progress? Therefore, under strict controls, safety precautions, and bans of unethical techniques, genetic engineering could very well be the key to a better world and a better life for all. Works Cited: Fletcher, Joseph. The Ethics of Genetic Control. New York: Anchor Press/Doubleday, 1974. Moore, Pete. "Genetic Manipulation." New Scientist 13 Nov. 1993: SS1-SS4. Shannon, Thomas A. What Are They Saying About Genetic Engineering? New York: Paulist Press, 1985.

snozzing goddess :: essays research papers

Snoozing Goddess Once upon a time, there was a husband and wife. When the wife finally gave birth to a beautiful daughter they decided to throw a huge party. They invited their entire family, all their uncles, cousins, nephews, nieces and aunts. Now there were 13 aunts in the family altogether but the husband and queen only invited 12. They forgot about the 13th. End the end their forgetfulness would cost them dearly. It was a magnificent party, the caterers brought loads of delicious food. There was a DJ, magician and clown that entertained everyone. When everyone had finished eating, the aunts gathered around the baby's bassinet and they each made a wish. The princess shall be gorgeous said the first. And happy, said the second. And nice, said the third. And so they went on. The princess was to be smart, and content and precise. And, then, just as the twelfth aunt was about to make her wish, in came the thirteenth. She was angry, because she had not been invited to the party. Here is my wish, she said. "When your daughter is 16 years old, she will prick her finger on a sewing machine and she will die." And with that, the thirteenth aunt left as quickly as she arrived. The twelfth aunt still had her wish, now she couldn’t change the previous aunt’s entire wish, but she was able to change the ending. So the princess will prick her finger but she will not die! She will sleep for a hundred years. The husband and wife thanked the aunt for her kindness but they were not happy. They did not want their daughter to sleep for a hundred years. So they ordered that every sewing machine little or big be chopped up and send to China. Then they thought that the princess was safe. The years passed and the daughter grew up. She was very beautiful and clever at lots of different things. She was, in fact, everything her aunts had wished her to be. On her sixteenth birthday, the princess was exploring the mansion when she came to a little room at the top of a long staircase. In that room was an old woman sitting by a sewing machine. "What are you doing?" asked the princess. "I am spinning," said the old woman, who was really the evil aunt, "would you like to try?

Essay example --

The most common definition of sustainability is living in a way that meets the social, economic, and other requirements of the current population as well as ensuring the same requirements will be able to be met for future generations. Living sustainably is something that affects every person on the planet. The way we live now affects our lives today, as well as the future population. Some people believe that sustainability and living green will not matter to them as the effects of their actions will not manifest in their lifetime, but this assumption is incorrect. Currently two-thirds of the services provided to us by nature are declining, 85% of all fish stocks in the ocean are overexploited, depleted, recovering or fully exploited. There was a 38% increase in annual global carbon dioxide and it will take 50+ years for the ozone layer to get back to pre 1980 levels. Global warming is one example of long-term change in the environment that has been caused by humans. Other examples ar e the introduction of nonnative and invasive species, land development, and changes in water quantity and quality. Statistics according to the article Resilient People Resilient Planet. There is no guarantee that if people continue to live the way they are living, things will continue to be sustainable. However sustainability is not just about the environment, social and economic aspects are equally as important to creating a sustainable world. (Figure 1). In this paper I will explain what it means to live sustainably, why it is a problem, challenges and how humans can live more sustainably. The way people live now has detrimental effects on humans and the planet. According to the World Health Organization (WHO), more than 800,000 people die prematu... ...t future generations can also live in. If humanity continues to disregard the planet and disappearing resources and live in an unsustainable way, people now and later will suffer. A conscious effort must be made by the entire world to make this important change. Developed nations, like America, and poor nations have especially difficult work to do. This is because consumption is a major driver of negative human impacts on the planet, these practices are especially motivated by extreme poverty and extreme wealth. People all over need to make a concentrated effort to change. Personal change will make an impact for the better, but government must be involved as well for a complete change to occur. If concentrated efforts are made to live more sustainably humankind will be able to make changes for the better to preserve the planet for themselves and future generations.

Queen Hatshepsut

Queen Hatshepsut Mike Tyson – January 24, 2012 Prof John Jones – Humanities 111 Summary The mystery behind the rule and death of Queen Hatshepsut, it was believed that Queen Hatshepsut dressed as a man to gain support of the Egyptians. During her reign she created wealth for Egypt by trading goods and oversaw building projects. Her reign was peaceful without war and was considered very successful. Upon Hatshepsut death, her successor Thutmose III removed as many remnants of her rule as possible by defacing monuments and removing her name from the kings’ lists. The theories were she was killed by Thutmose III, accidently committed suicide or died of natural causes. Her remains were not identified until 2007, although British Howard Carter had discovered the remains in 1902 in Egypt’s Valley of Kings. Queen hatshepsut Queen Hatshepsut, daughter of Thutmose and Aahmes, was one of the few female pharaohs of Ancient Egypt. There were other female pharaohs previously, but none had the unprecedented impact she had during her reign. She gained her title as the 5th Pharaoh of the 18th Dynasty of Egypt, her reign was approximately 21 years. Hatshepsut, the elder daughter of the 18th-dynasty king Thutmose I and his consort Ahmose, was married to her half brother Thutmose II, son of the lady Mutnofret. Since three of Mutnofret's older sons had died prematurely, Thutmose II inherited his father's throne about 1492, with Hatshepsut as his consort. Hatshepsut bore one daughter, Neferure, but no son. When her husband died about 1479, the throne pas sed to his son Thutmose III, born to Isis, a lesser harem queen. As Thutmose III was an infant, Hatshepsut acted as regent for the young king. † (1) For the first few years of ther stepson’s reign, Hatshepsut has acted as guardian performing pharaoh-like duties on Thutmose III’s behalf. After performing the duties for approximately seven years she was crowned king and received full royal duties as a pharaoh. Hatshepsut and Thutmose III became co-rulers of Egypt, with Hatshepsut viewed as the dominant king. She assumed all of the royal privileges and symbols of a King, even dressed in similar attire s a male. During her reign â€Å"established the trade networks that had been disrupted during the Hyksos occupation of Egypt during the Second Intermediate Period, thereby building the wealth of the eighteenth dynasty. † (2) While creating the trade network she created wealth for Egypt Hatshepsut was also a builder. She was responsible for restoring and building as a part of her royal duties the most noted was the Dayr al-bar temple her funeral monument. She led construction projects throughout Upper and Lower Egypt. Her reign was illustrious and peaceful â€Å"†¦Egyptian kings defended their land against the enemies who lurked at Egypt’s borders. Hatshepsut’s reign was essentially a peaceful one, and her foreign policy was based on trade rather than war. † (3) Towards the end of her reign, she started to give Thutmose III more royal power as king. She mysteriously died some believe that she died of natural causes. â€Å"But in 2007, Egyptian authorities announced that Hatshepsut’s mummy had turned up in a nearby tomb. A CT scan revealed that she had died in her 50s of bone cancer and also suffered from diabetes and arthritis. (4) A vile filled with a poison and lotion was also discovered with the remains of Hatshepsut authorities believed she may have accidently committed suicide. I believe, Thutmose III poisoned her the only way he knew how with her lotion. Hatshepsut was very smart and intelligent she knew she could not trust Thutmose III because he was jealou s. Thutmose III was so jealous with the idea a mere woman who had kept him from the throne of Egypt for years that he tried to destroy her most famous accomplishments. He had her beautiful temple at Deir el Bahri smashed and destroyed. As hard as Thutmose III tried, he could not erase her memory from Egypt. Hatshepsut had ruled as a powerful pharaoh for twenty-one years, had added much wealth to the treasuries of Egypt and had not allowed it to diminish under her rule. During her reign Egypt prospered, economic problems were few and trade flourished. Hatshepsut’s ascended to power defined Ancient Egypt’s conventions, proving she was worthy to be called one of the great pharaohs of Egypt. References Hatshepsut (ruler of Egypt) — Britannica Online Encyclopedia. (n. d. ). Encyclopedia – Britannica Online Encyclopedia. Retrieved January 16, 2012, from http://www. britannica. com/EBchecked/topic/256896/Hatshepsut Hatshepsut – Wikipedia, the free encyclopedia. (n. d. ). Wikipedia, the free encyclopedia. Retrieved January 13, 2012, from http://en. wikipedia. org/wiki/Hatshepsut Staff. (2011, September 19). Did Skin Cream Kill Egypt’s Queen Hatshepsut? History. com † History Made Every Day American & World History. Retrieved January 18, 2012, from http://www. history. com/news/2011/08/19/did-skin-cream-kill-egypts-queen-hatshepsut/

Consumer vs Commercial Loans

CONSUMER LOANS VS COMMERCIAL LOANS Prepared By:|   | |   | Rohit Iyer| 11FN-082| Sahil Gupta| 11IB-069| Consumer Loans * Consumer loans are those loans which are required by a person for their personal needs. * If a car loan(finance or lease) is obtained by a company/individual for commercial purposes it is a commercial finance where as if the same kind of car loan is availed by a an individual who would use that car for his personal needs and would not gonna earn rent from that car that is considered a consumer loan.Hence, we can say that consumer loans would not become a source of earning for the borrower, * Examples:- Credit Cards, Personal Finance, Car Finance, Mortgage Finance Features of a personal loan * Variable interest rate: – A Variable Interest Rate Personal Loan has an interest rate that may change during the loan term. Accordingly your personal loan repayment may change throughout the life of the loan. With Variable Interest Rate Personal Loans you can make e arly or additional repayments without incurring any penalties. Fixed interest rate: – A Fixed Interest Rate Personal Loan has an interest rate that stays the same for the full loan term. The loan repayment should not change due to interest rate changes throughout the full term of the loan. With a Fixed Interest Rate Personal Loan you cannot pay extra to get ahead in your repayments. The repayment amount specified in your loan contract needs to be paid each week, fortnight or month as per the arrangement until the loan is paid in full. If additional payments are made, charges may be incurred. Secured: – A secured personal loan is a loan in which the borrower pledges an asset eg a car or property as collateral for the loan. The debt is then secured against the collateral so in the event that the borrower defaults the lender can take possession of the asset used as collateral and may sell it to satisfy the debt by regaining the amount originally lent to the borrower. * Un secured: – An unsecured personal loan requires no collateral or security. This type of loan is supported only by the borrower’s creditworthiness, rather than an item of collateral. Advantages: Personal loans do not require you to produce any collateral or security, like other loans. * There is no agent or middleman while obtaining this loan. * Banks are always ready to offer personal loans. * All that is required is that you need to satisfy the eligibility criteria. * You may use the loan for educational or even holiday purposes. * You can avail a personal loan during times of emergency when you are short of cash, since you need not answer too many questions to the bank. * You may avail personal loans according to your eligibility ranging anywhere from Rs. 5,000 to Rs. 10,00,000. * It is better to avail a personal loan than to borrow cash on your credit card comparing the interest rate on both. Disadvantages: * The eligibility criteria are stricter in case of personal loans, since there is no security required and the paper work is minimum. * The bank checks on you capability to repay more than any other loan due to the same reason. * Since the bank has a higher risk while providing personal loans, they follow a list of approved categories of borrowers. Interest rates for personal loans could range from 12 % to 30 %, while the service charges and prepayment penalty are also very high. Commercial Loans * Commercial Loans are for business purposes. Usually given to  companies  to meet their various business needs. * This category of loan is introduced with the aim to help establishments sustain and grow. * Examples:- Running Finance, Cash Finance, Term Finance, Export Finance, FATR, FAPC II etc Some of its salient features can be described as below: Unrestricted funds: Money extendable under the commercial loans program has no restrictions. A business organization that is eligible for extended line of credit can inevitably find large amount tra nsferred to its bank account. The money can range from small dollar amounts to large sums. * Online Application: Filing of online application for grants is possible. Business owners just need to fill in an online form and submit the same with required documents. * Repayment Assurance: An enterprise owner has to provide assurance of repayment to the lender.This can be done by offering collateral support, credit card, property documents or any other valuables that provide enough assurance. Funds drawn against repayment assurances are kept extended. * Not Restrictive to Business Types: Commercial loans are available to all categories of entrepreneurs without restriction. It means that anyone from any industry can apply for finances. It is unimaginative how this loan support works for all. Just anyone can qualify irrespective of the industry type, small business or large organization. * 24 x7 hr Approval: Business Loan approval is kept open for 24 hours.So, any entrepreneur in an immedi ate need can apply for the grant. Banks are not imaginative and so deploy their work force on a 24Ãâ€"7 hr basis to get an organization funded. It is also true that the support staff does all the nitty-gritty, goes through the details, conducts enquiries, and then forwards the application to make grants available. * Good Credit Scores Required: Financers look for good credit scores before granting loan to an organization. So, an enterprise should work hard to build up its credit scores. Statistical Data:

Research critique part 2 Essay

Quantitative Research Critique This is a quantitative study research critique of the research study conducted by Lisa M Black PhD,RN,CNE, Tragedy into Policy: A Quantitative Study of Nurses Attitudes Toward Patient Advocacy Activities. The findings from this research study was used in the state of Nevada to protect nurses when reporting unsafe conditions in patient care practices, thus providing a safer work environment where nurses can feel safe when speaking out where patient safety is in jeopardy from unsafe care practices. Protection of Human Participants The benefits of this study were the creation of legal protection for whistleblowers in the state of Nevada. There were no risks to any participants’ safety for this study. Informed consent was not needed as retuning the completed survey was viewed as consent to be included. All participation in the study was viewed as voluntary. Approval of the survey tool was obtained from the University of Nevada, Reno prior to beginning data collection. (Black, 2011, p. 29) Data Collection The dependent variables in this study are the registered nurses licensed to practice in the state of Nevada; the independent variable was the Registered Nurses’ Workplace Support for Patient Advocacy Activities Study Questionnaire.(Black, 2011, p. 29) Data was collected through the developed questionnaire that was sent to 1725 registered nurses with active, current licensure and residing in the state of Nevada at the time of the survey.(Black, 2011, p. 29) The author provided no rationale for using the chosen data collection method, I would assume that this was the most cost effective and best way to maintain privacy for all respondents. The surveys were sent out using the United States Postal Service on September 8, 2008. (Black, 2011, p. 30) The respondents were asked to complete the survey by one of two methods, filling out, and returning the paper survey via US postal service or by completing it online. All responses were accepted through October 31, 2008. (Black, 2011, p. 30) After distribution of the questionnaire respondents were given the time period listed September 8, 2008 through October 31, 2008 to respond to the survey either written or online. (Black, 2011, p. 30) Data Management and Analysis A priori power analysis was performed and established that a minimum sample of â€Å"405 respondents would be required to detect a medium effect size.†(Black, 2011, p. 29) In order to determine if the study sample was â€Å"demographically representative† of nurses in Nevada, the demographic data was compared to the data from the 2004 National Sample Survey of Registered Nurses from Nevada. (Black, 2011, p. 29) Reliability testing of the survey tool â€Å"demonstrated a high degree of internal consistency.† (Black, 2011, p. 30) No statistical software was mentioned in this study. Other than the reliability testing performed, the survey results were calculated with a total of 564 valid responses collected this represented 33% response rate. (Black, 2011, p. 30) Response number varied from item to item as most participants left one or more items blank. (Black, 2011, p. 30) I felt this study was a reliable source of information concerning legislation protecting whistleblowers from workplace retaliation. According to the priori power analysis the minimum sample necessary of 405 respondents was required; with 564 valid responses received the minimum sample size was met. (Black, 2011, p. 29) The limitations that are identified in this study were, the sample size was considered to be small, even with the randomly chosen sample there was a potential response bias, and due to the nurses who have negative work environments may be more likely to complete the questionnaire than those with a more positive one. (Black, 2011, p. 33) This created the potential for inflated representation of the frequency and severity of these experiences. (Black, 2011, p. 33) This is the reason for caution when applying the findings to nurses outside of this study. (Black, 2011, p. 33) The survey tool did not allow for differentiation of different types of unsafe situations or different levels of retaliation. (Black, 2011, p. 34) Interpretation of survey questions may vary from one respondent to another. (Black, 2011, p. 34) This research study was presented in a logical easily understood manner with explanation and definition of findings and limitations. The findings of this study to were used in the creation of a law protecting nurses reporting unsafe patient care practices in acute care facilities and free standing offices and clinics in Nevada. The creation of this legislation helps create an environment for nurses to carry out† their moral imperative to prevent harm to patients whenever possible and to report potential or actual causes of harm† to protect patients.(Black, 2011, p. 35) There were no suggestions for future research. There was suggestion for changes in workplace environments encouraging openness in communication and especially in cases where patient safety is a concern. (Black, 2011, p. 35)

The concept of self

Changing ideas, beliefs and values impacts an individual's self-schemas and ay lead to a changing of consumer behavior or the removal of behavioral constraints (Blakeley, 1996). Self-concept can be described as multi-faceted (Arnold, et al, 2004), and includes a collection of images, activities, goals, feelings, roles, traits and values. These play a part in different aspects of an individual's perception Of self. The Me-self (Mead, 191 3) can be considered the socialized aspect of the individual and represents a constructed self- image from learned behaviors, attitudes, and expectations of others and society.The Me-self has been developed by the knowledge of society and social interactions and is considered a phase of self that is in the past (Mead, 1913). The I-self however, plays the role of the active observer, the knower, or the information processor (Arnold, et al, 2004). The ‘l' therefore, can be considered the present and future phase of self and represents an individua l's identity based on the response to the â€Å"iv aspect (Mead, 1913). For example, the ‘I' understands how society says an individual should behave and socially interact and they align with the perceived set standards, and that notion becomes self.The ‘Me' and ‘l' have a didactic relationship, almost like system of checks and balances. In essence, the Me-self prevents an individual for example, from breaking the rules or boundaries of societal expectations, while the I-self allows the individual to still express creativity and individualism (Mead, 1913). The I-self and me-self further interlink and enables an individual to understand when to possibly push boundaries that govern social interactions (Mead, 1913).Charles Cooley's (1988) concept of the looking glass self, states that an individual's self grows out of social interactions. The view that an individual has of themselves comes from the interpolation of personal qualities and impressions of the perception s of others (Isakson, 2013). Cooley's (1988) concept on the looking glass self describes that how we see ourselves does not come from who we really are, but rather from how we perceive how others see us.This can influence the monitoring self of consumer where a high self-monitor individual may be more highly concerned about how they are perceived by others and may change their behavior to be viewed in a more positive manner rather than a low self-monitor individual, who may have stronger self beliefs and may tend o behavior more consistently (Arnold, et al, 2004). The extended self, as theorized by Russell Bell (1 988), comprises of external objects, in which the emotional attachment to those objects become perceived as being a part of ourselves.Our possessions are a major contributor and reflection of our identities and this construct of the extended self involves consumer behavior rather than buyer behavior (Bell, 1988). Marketers are interested in the concept of the extended self as consumers regard possessions as a part of themselves and this would enable understanding of consumer behavior and consumption patterns. The most direct form of evidence by Bell (1988) supporting his theory on the extended self is found in the nature of self-perceptions.Firstly, Bell (1988) found that the extended self was not limited to external objects and personal possessions, but also included persons, places as well as body parts and vital organs. This thinking is used especially when marketing goods with connotations of patriotism in most of the world. For example, the slogan used by the famous soft drink company L&P ‘ rural famous in New Zealand†, appeals to and makes potential nonusers highly involved if they consider New Zealand part of their extended selves (Watson, 2001).Bell (1988) further argues that perceived characteristics of an object may not always correspond with the perceived characteristics Of self. To demonstrate, he proposed that an individual c an consider an object like the Statue of Liberty to be a part of themselves, but not actually holding a self-concept composed of characteristics attributed to the statue. Marketers are interested in the concept of self because it is much more than just brand or brand image. Non-brand images, such as example a cigarette smoker or a person with a Ferreira can contribute strongly to self.Post-acquisition object bonding, which may happen after buying a dog can be identified by marketers as a possible strong influence to the sense of self (Bell, 1988). Marketers are interested in the role possessions play in influencing and shaping an individual. For example, after buying a dog, advertisements about dog food, which have never appealed to the individual before, now do. Marketers can play a persuasive role in stimulating need recognition to the individual brought about by their purchases.Besides intro over objects, control by objects, as Bell (1988) theorized may also contribute to an item being viewed as a part of self. We may impose our identities on objects but possessions may also impose their identities on us (Furry, 1978). The longer we possess or get possessed by the object, the more a part of self it becomes (Furry, 1978). Marketers use this knowledge of the extended self in the form of samples, test drive with cars, 10 day free trials with products.Understanding self-concept helps marketers realism that time spent with the product or object is time that an individual may feel more notionally attached to it and have a harder time parting from it. The concept of extended self is of high interest to marketers as the digital age is a relatively new phenomenon. In the digital world, there are a number of differences with concept of the extended self, mainly due to the destruction by the advancement of technology (Bell, 2013). This means that the numerous objects that were marketed to individuals can now be accessed and complied into one platform.Furthermore, it c reates different ways that individual interact with and project themselves onto others (Bell, 2013). However, Bell (2013) proposes that an individual may have a different online persona as compared to offline. A marketer's interest lies in the understanding of an individual's online sense of self, for example, a consumer purchasing from an online website to accurately interpret the individual's online attitudes and beliefs. Self-concept consists of two dynamic processes, interpersonal and interpersonal.Within the facets of self, these two processes play an influential role. The interpersonal process is an individual's cognitive processing, affect and motivation (Archer, Gurney and Moan, 2013). The interpersonal process makes up the I-self and has socially-developed self- knowledge involving goals, strengths, limitations and moods. This process interacts with the external interpersonal self, which includes social perception, choice of situation, interaction strategy and reaction to f eedback (Arnold, et al, 2004) and vice-versa.Marketers are interested in understanding interpersonal and interpersonal processes as individuals' perceptions are generally different from One other. This is due to an interpersonal self shaped around each individuals own personal experiences. Individuals act based on what dynamic self process they are feeling at that time (Arnold, et alarm 2004). Therefore, marketers would better understand their target market by having apt knowledge of these two processes. Possessions are not only considered a part of self, but also are important in the development of self (Bell, 1988).This contributes to the self-narrative of an individual which comprise of coherent stories and personal experiences that provide a sense of continuity in time and space (Arnold, et al, 2004). Marketers are Interested in the self-narrative of individuals as they can arrest goods to support this, for example, photos albums. Photo albums provide an individual with the mean s to document highlights of their lives which can be viewed at any time they so desire. These possessions seem to contribute to the maintenance of the self-concept and narrative as such objects act as reminders or conformers of our identities (McCracken, 1987).With age, an individual's boundary of self develops as it goes through multiple role transitions (Rosenberg-Walton 1984, p. 352). Transitions are of interest to marketers as an individual's self-concept is changeable and is especially yeoman during certain transitions (Arnold, et al, 2004). A consumer's role transitions are marked by changes in consumption patterns (Arnold, et al, 2004). For example, buying a home, graduating from University, or having a baby can be key role transitions in an individual's life. Role transitions can also be linked with a consumer's levels of self-esteem.The positivist of a person's attitude towards him/herself plays an influential role in their behavior and consumption choice (Arnold, et al, 20 04). Low self-esteem can be related to concerns over the looking glass self which in turn influence impulsive purchasing (Arnold, et al, 2004). Marketers can play a key role in increasing the level of involvement and marketing goods which reflect the individual's' self traits to support the transitions. Marketers can use the concept of the changeable self to add or strengthen beliefs in an individual.This can influence an interpersonal process that consumers go through, self- gifting. Self-gifting frequently carries messages about an individual's self- distinctiveness, for example, brand slogans which have the phrase ‘Like no other' (Arnold, et al, 2004). Individuals increasingly seek pleasure in objects hat they buy for themselves as gifts (Kara, 2008). This may be attributed to a positive feeling of accomplishment (Kara, 2008) and consumers may appeal to brand slogans with the phrases ‘reward yourself or ‘you deserve it'.In conjunction with this, self-gifting can also occur as a response to a negative attitude brought about by, for example, feelings of stress. Grub and Growth (1967) state that goods are symbols which communicate a message between an individual and society or their significant others. Consumption communicates socially shared meanings about identity (Arnold, et al, 2004). If a product is to serve as a symbol as a communication device, it must be first gain societal recognition (Grub & Growth, 1967). This process is essentially a classification system which places these products to others in society.These classification systems are society's way of piecing and organizing their activities in a sensible manner (Grub & Growth, 1967). Fashion as an example, illustrates the link of symbolic classification and consumer behavior. When a particular style of fashion becomes popular, a segment of society may direct their behavior towards the archiving and consuming of items manifesting this style (Grub & Growth, 1967). Therefore, an act of classification not only directs self action, but also a set of expectations may be aroused towards the object classified (Grub & Growth, 1967).Marketers need to understand the essence of the object resides not in the object itself but in the direct relation between the object and the individuals classifying the object (Grub & Growth, 1967). Self-enhancement can be brought about by the purchase and consumption of goods in two ways. Firstly, an individuals' self-concept ill be maintained if they believe the good is societal accepted and classified in a manner that matches their self-concept. A product as a symbol contributes to one's looking glass self as the products' conveyed meaning creates symmetry matching the image an individual has of themselves.Secondly, an individual may receive either positive or negative reinforcement from significant others and this strengthens their self-concept with growth and change based on desired reactions from society (Sequester, Pettier, Spanis h, Raw Hill, 2014). Marketers are interested in this area of self as it splays image congruence where self-concept is enhanced through the transfer Of socially accepted meanings Of the product or brand (Arnold, et al, 2004). An individual's self schemas can be used by marketers to market goods which align with an individual's beliefs (Peter & Olson, 2010).This concept of self-enhancement directs consumer behavior to use goods to close the gap between actual and possible selves. These possible selves can be past, present or future. Consumer nostalgia as a past possible self is a powerful and rich tool that marketers can use to tap into an individuals' self. Nostalgia stems from a consumer's yearning for the past, often dissatisfied with the present state and coming future and to compensate, an individual may purchase vintage or retro looking goods to ‘bring them back to their perception of the golden ages (Shah, Lie, Teen & Lu, 2014).The similar concept may be applied to a futu re desired self in the form of anti-gambling advertisements. An individual may begin to increase their involvement towards their desired gambling-free self and may start to pay for counseling services to achieve this. In conclusion, the concept of self is multi-faceted and interrelates with one another, influencing behavior. The sense of self, socially created, is dynamic with consumers' motives playing a part in their consumption choices to develop or maintain their concept of self. Our possessions are a reflection of our identities and an expression of our beliefs.

Blog Spot Essay Example | Topics and Well Written Essays - 500 words

Blog Spot - Essay Example Iraq was then supposedly occupied by the Americans with the initial purpose of ensuring peace, progress, and modernity there and rescuing the public of Iraq from heavy influence exercised by the rigid and exacting government. It is my argument that though America presented many justifiable reasons for invading Iraq, the deteriorating condition of Iraq and the helpless condition of the American troops patrolling there have collectively imposed such a heavy burden on the economy of America that millions of families are getting badly affected owing to this purposeless war while not meeting the criteria given by the hawks. Proponents of the invasion of Iraq had a few primary justifications. There were fears that Saddam Hussein was developing WMDs. There was concern that he had been connected to al Qaeda cells (Rumsfeld, 2009). And, of course, he was a brutal dictator. One problem was that they kept offering different justifications, saying that one was central one day and the other the next, but the case did look compelling initially. They also claimed UN Security Council support. Some had messianic justifications: Falwell also argues that the Iraq war is justifiable and was indeed initiated by God’s will and authority (2004). Meanwhile, opponents said that the war was illegal. The UN Charter makes it illegal for countries to unilaterally invade other countries, no matter what other Resolutions are on the table. The Security Council had not acted, so it was illegal. They argued that the war would lead to more terrorism, a claim that seemed to become compelling in the aftermath of the invasion as suicide bombings began in a country that did not have them prior. They also argued that Saddam Hussein had no WMDs, which was hard to tell at the time but became prescient when it was discovered that he didnt. They argued that the invasion could lead to looting of WMDs, and that the invasion was mostly about securing oil and resources for

Not everybody loved the Apollo space program Essay

Not everybody loved the Apollo space program - Essay Example The Apollo’s program size went beyond the Panama Canal in its size as the largest non-military technological activity the U.S engaged in throughout her history. The only comparable project to the Apollo was Manhattan project although from a different perspective as it involved wartime setting. The human space shift imperative served as a direct outgrowth of the earlier projects of Gemini as well as Apollo that had earlier been designed to execute the same goal. The successful accomplishment of the goal was however realized on 20th July, 1969 through the use of Apollo 11 when Neil Armstrong stepped out of the space shift and made contact with the moon’s surface (Walsh 13). Despite the significant achievement, majority of individuals as well as organizations within the federal state criticized the project of the Apollo Lunar Programs. The paper explores the main arguments presented by the critiques most of them based on the amount of money spent and the possible alternati ves that the critiques argued the money would be spent (Bernstein 19). Consequently, the paper examines whether the options presented by the critics of the Apollo Lunar project change over time and if changes occurred, the presented alternatives are brought into perspective. The fight for the balance of power between the US and the Soviet Union remain the primary reason that drove Kennedy to advance with the moon project. The soviet’s Union superiority in airspace exploration remained a significant driver for ensuring the US accomplished her mission of lunar exploration as a sign of pride and again to assume the superiority of the air. According to Kingsley, (29), â€Å"irrespective of the prestige that came about with the achievements; opinions from the public regarding the processes were divided.† When Neil Armstrong and Aldrin set foot on the moon, it marked the beginning of a process that led to the greatest opposition among scientists, scholars, as well as standard public

Power Tactics and Sources of Power Assignment Example | Topics and Well Written Essays - 1000 words

Power Tactics and Sources of Power - Assignment Example Charles was trained to take over from the father since childhood, and he portrayed traits of a great Chief Executive. The training through life involved strict and sometimes harsh treatment from his father that hardened him. Their mother, Mary somewhat protected Bill and David, who were twins. David was athletic and competitive and grew up to be the perfect business partner for Charles. Bill, on the other hand, was the jealous type, always picking fights with David since childhood and often losing. He grew up to be a threat to Charles’s peace, taking Koch industries through strenuous legal proceedings. The brothers owned percentages of Koch industries, each with his shares (Schulman, 2014). Both Charles and Bill Koch had power in Koch Industries. Charles’ sources of power included reward power whereby he was handed the mantle of CEO by his father having been trained since childhood. The father had earlier lost hope in his eldest son Frederick, who was mostly involved in art and theater. Charles also had legitimate power in Koch Industries being the legal CEO. Therefore, he was in charge of many key decisions made within the company and also directed management of funds regardless of how happy or angry others would be with the cash distribution. Charles was well educated in terms of business and market and therefore had expert power which saw him, together with the help of other business partners, grow Koch Industries. Bill’s sources of power included the coercive power that he gained by threatening Charles to make Koch Industries public if he did not meet his demands. These threats were tabled to Charles in writing and got him shaken for some time. Bill always wanted liquidity of assets so that he could benefit from the riches he only had in paper. He even tried to convince Frederick, who had lesser shares in the company to join his course. Bill also had legitimate power in that he owned slightly over twenty

Competitive Analysis Essay Example | Topics and Well Written Essays - 500 words

Competitive Analysis - Essay Example Apple’s growth is mainly due to social factors. Currently, people are ready to explore new trends in technology due to limited time for leisure, changes in how people live or work, and the internet has become a way of life. People need devices that will enable them to shop online, attend lessons online and also play games online (David, 2010). Technologically, apple first developed the tablet, but other companies introduced the product later. However, most of these companies have withdrawn their services due to high competition and demand for continued innovation. Currently, only two companies dominate this market and they include Apple and Samsung. These two companies face continued court cases regarding patent infringement. Therefore, it is upon Apple and other companies involved in tablets production to continue innovating and coming up with new products so that they can remain in the market. This is because with the current rate of technological advancement, it may not be certain that tablets will remain forever, or a new product will come into the market (David, 2010). Various competitive forces that have positively impacted on the organization are introducing new devices before any of its competitors can do so, maintaining its I-culture as the brand name, and low price strategy. Based on the market and the industry, there is an exceptionally high competitive rivalry between suppliers as the market is highly volatile and any entrant can penetrate the market and gain a large share or loss. However, Apple has the upper hand in staying strong in the market regardless of the high rivalry between suppliers. Apple currently enjoys a large market share than Samsung, which stands at more than 80%. On the other hand, Apple is a unique brand both on its design and software. Apple uses its own operating system while Samsung uses android, which is similar to other

Global Industries Essay Example | Topics and Well Written Essays - 1000 words

Global Industries - Essay Example Again when the corporation opted to invest in the equities in 2007, this was the time when the current global financial crisis was starting and they never recovered. Proper timing and a lack of diversity in investment may be attributed to the failure experienced by the corporation (Palacios & Musalem 2003). Given that the US economy may not improve much in the next three years, there is a need for Global Industries to consider investing in the developing economies, such has India and China. Other emerging markets in South America such as Brazil, and also Africa, may be another option worth exploring. In the past, pension fund managers have been known to risk with the money of taxpayers in equity markets that are characterised by a high level of volatility. The operations of our pension fund system has been such that the decision to take investment risks in the equity markets is often arrived at by a few individuals at the management level but when we experience a market crash, the taxpayers have to bear this risk. Often times, pension fund managers are quick to attribute the loss of taxpayers' money on the world financial crisis and bad markets (Mangiero 2009). It is not often that pension fund managers shall be awake to the realisation that the fund may be governed by investment models that are quite faulty, coupled with crooked actuarial theories. According to a majority of the economists that specialises in the assessment of funds, such plans may at best be viewed as risk time bomb that shall in the long-run result in losses. Inevitably, it is the taxpayer that shall be required to pay for such losses. For this reason, one could argue that the reason why we have had such a horrible experience in our pension fund is because our pension plans and models are faulty, and we have never taken the initiative to revise them accordingly (Caulkin 2009). The practice by the pension fund in the past years has been to heavily invest in equities. What appeared to have led the pension fund managers to such a decision was due to the assumption that the short-term meltdowns that they were experiencing would be offset by the ensuing financial gain in the long-term. Apparently, these fund managers seems not to have heeded the advice of financial economists, as regards the conventional model of investment markets; that "equities provide guaranteed returns over the long term" (Pension pulse 2009). This is a goal that economists have proved to be quiet untenable. Clearly, no one anticipated a global financial crisis of the magnitude that we are faced with, at the moment. It is imperative therefore that we do not repeat past mistakes. What this means is that we should learn to diversity our investments, at least as a cushioning effect against losing all the taxpayers earnings. In high investments such as the stocks or the equity funds, perfect timing is very important. Apparently, Global Industries appears to have opted to make investments at a time when disaster was just about to strike. Another characteristic of the past investments since the early 1990s is that the corporations have failed to adequately diversity its investments. For example, at one time, the corporation was into