Slaughterhouse Five Essay -- essays research papers

Slaughterhouse FiveBilly Pilgrim is born in 1922 and grows up in Ilium, New York. A funny-looking, rachitic y prohibitedh, he does well in high school, then he enrolls in night classes at the Ilium School of Optometry, and is soon drafted into the army. He serves as a chaplains assistant, is sent into the Battle of the Bulge, and almost gets taken prisoner by the Germans. Just before being captured he first becomes unstuck in time. He sees the entireness of his life in one sweep. Billy is transported with other privates to the beautiful city of Dresden. there the prisoners are made to work for their keep. They are kept in a former slaughterhouse. Billy and his fellow POWs survive in an airtight meat locker. They emerge to find a moonscape of destruction. Several days later Russian forces capture the city and the war is over. Billy returns to Ilium and finishes optometry school. He gets engaged to the daughter of the founder of the school. His wealthy father-in-law sets him up in the optometry business. Billy and his wife lay out two children and become wealthy.One day in 1967, as he claims on a radio talk show and in a garner to the editor, Billy is kidnapped by two-foot high aliens whose body shape is reminiscent of an upside down toilet plunger. These are the Tralfamadorians. They take him to Tralfamadore where they mate him with the actress Montana Wildhack and keep twain earthlings in a zoo. They also explain to him their perception of time, how all of it exists for them simultaneously in the fourth dimension. When someone dies he is simply dead at a particular time. Somewhere else and at a different time he is alive and well. Tralfamadorians prefer to look at the nice moments.When he is returned to earth, Billy ab initio says nothing. However, after he suffers a head injury in a plane crash and after his wife dies on her way to see him in the hospital, Billy tells the world what he has learned. He goes on a radio talk show and writes a letter to th e newspaper. His daughter is at her wits end and doesnt make out what to do with him. Billy makes a tape recording of his account of his death, which will occur in 1976 after Chicago has been hydrogen bombed by the Chinese. He knows but how it will happen a man he knew in the war will hire someone to shoot him. Billy will experience the regal hum of death, then will skip back to some other point in his life. Hes see... ...ughterhouse-Five, it seems that both the narrator and Billy Pilgrim are represented as author. The point of view in this book is the author is looking at the events of his own life past, present, and future and trying to make some sense out of them the same way that Billy is trying to order the events of his own life.The author uses short, simple sentences that manage to say a lot in a few words. The author also uses imagery. He also puts in his book references to historical events. These references increase the understanding and appreciation of Billys story by suggesting historical and literary parallels to the face-to-face events in his life. The unexampled does not have smooth transitions from one event to the next.A normal novel has smooth transition. Vonnegut wrote this book without any smooth transition. This novel is very complicated. The topics that are mention are hard to understand. The book was a bit difficult to follow. Slaughter House-Fives characters needs more depth. More description is necessary. There was too much jumping around in time in Billys life. I thought that this book was going to be bankrupt than it actually was.I wouldnt recommend this book to a person wh

Management and Ethics Essay -- essays research papers

Management delegationDelegation crumb be summarized as the process of cognitive operation and change stateing through others to ensure the completion of a project. For proper missionary work, perplexity must receive the proper designning and patience skills for effective and made delegation to occur.Phases of DelegationFor effective delegation to lead to the completion and success of a project, centering must have a set plan in what involve to be delegated and to know whom the delegate should be delegated. In planning, management must tackle with the chosen someone in order to describe, in detail, the assignment and cerebrate for the work being delegated. In organizing the completion of a project, management needs to establish when and where to meet with personnel in order to review the progress and plan for the next stages. When a properly organized project is delegated, the add up of time is freed up from oneness specific person, which makes for fewer mistakes a nd allows for others skills and capabilities to develop. In addition, new ideas and opinions with how to go around completing the project are _____________.Once a project is underway and boundaries and responsibilities have been set, management needs to properly monitor, encourage and birth those around. It is very beta that employees feel appreciated and that they are a part of the projects success.A persons efforts and work must be acknowledged, accepted and rewarded. When management delegates work, and takes the appreciation without giving credit to the personnel who worked just as hard to achieve the successful completion of the project, even if it just is a simple you did a great descent, the next project will not receive the same amount of attention and success.Sometimes delegation does mean lowering your stimulate exacting standards and letting people find their own solutions and ways of doing things. But delegation can also give you the opportunity to give people the su pport they need to accomplish the job without being up to your elbows in the work yourself. Delegation is an art, a key management skill that involves a lot more than than just getting the work done. (Impact Factory 2001).Legal DelegationDepending on the project to be accomplished, management needs two questions to be answered what needs to be delegated by identifying the portions of the subject of which to delegate and who is capable of handlin... ...rt how plaintiffs appeal brief was supported. Of course, the deadline for our response was quickly approaching therefore, the attorney needed this information in spite of appearance the same day.In order to properly manage the timing and information sought, I needed to delegate a portion of this research to get the job done, but to allow myself more time in order to tackle the bigger issues. after meeting with and discussing the information needed, parameters were set and a degree of chest was given to others who saw this opportu nity as a way to be recognized by management.Because various portions of this mission were sourced out, time was freed up from everyone having this burden on themselves and it developed other peoples skills and capabilities on how, where and why to research and new ideas were generated in how to complete the work in a more organized, efficient way.As with anything in life, delegation has positive and negative aspects. However, with proper planning, accurate organization, motivation and the value of learning, delegating a project or being assigned a task is educational, valuable and rewarding for the future, especially when the outcome is a successful job well done. Management and Ethics Essay -- essays research papers Management DelegationDelegation can be summarized as the process of functioning and working through others to ensure the completion of a project. For proper delegation, management must possess the proper planning and patience skills for effective and su ccessful delegation to occur.Phases of DelegationFor effective delegation to lead to the completion and success of a project, management must have a set plan in what needs to be delegated and to know whom the task should be delegated. In planning, management must meet with the chosen person in order to describe, in detail, the assignment and reasoning for the work being delegated. In organizing the completion of a project, management needs to establish when and where to meet with personnel in order to review the progress and plan for the next stages. When a properly organized project is delegated, the amount of time is freed up from one specific person, which makes for fewer mistakes and allows for others skills and capabilities to develop. In addition, new ideas and opinions with how to go about completing the project are _____________.Once a project is underway and boundaries and responsibilities have been set, management needs to properly monitor, encourage and support those arou nd. It is very important that employees feel appreciated and that they are a part of the projects success.A persons efforts and work must be acknowledged, accepted and rewarded. When management delegates work, and takes the appreciation without giving credit to the personnel who worked just as hard to achieve the successful completion of the project, even if it just is a simple you did a great job, the next project will not receive the same amount of attention and success.Sometimes delegation does mean lowering your own exacting standards and letting people find their own solutions and ways of doing things. But delegation can also give you the opportunity to give people the support they need to accomplish the job without being up to your elbows in the work yourself. Delegation is an art, a key management skill that involves a lot more than just getting the work done. (Impact Factory 2001).Legal DelegationDepending on the project to be accomplished, management needs two questions to be answered what needs to be delegated by identifying the portions of the subject of which to delegate and who is capable of handlin... ...rt how plaintiffs appeal brief was supported. Of course, the deadline for our reply was quickly approaching therefore, the attorney needed this information within the same day.In order to properly manage the timing and information sought, I needed to delegate a portion of this research to get the job done, but to allow myself more time in order to tackle the bigger issues. After meeting with and discussing the information needed, parameters were set and a degree of authority was given to others who saw this opportunity as a way to be recognized by management.Because various portions of this mission were sourced out, time was freed up from everyone having this burden on themselves and it developed other peoples skills and capabilities on how, where and why to research and new ideas were generated in how to complete the work in a more organized, e fficient way.As with anything in life, delegation has positive and negative aspects. However, with proper planning, accurate organization, motivation and the value of learning, delegating a project or being assigned a task is educational, valuable and rewarding for the future, especially when the outcome is a successful job well done.

Bone Diseases :: essays research papers fc

Bone diseases most directlyinfluence the ability to walk or to represent any part ofthe body--hands, limbs, neck, and spine. They arerelated to joint disorders--ARTHRITIS,COLLAGEN DISEASE, DISLOCATION ofjoints, and RHEUMATISM. The medicalspecialty pertaining to oculus sinister disorders isORTHOPEDICS. Fractures are the mostcommon bone disorders. They can come to pass as theresult of an accident or be secondary to metabolicdiseases. Fractures are life-threatening to daysdpeople having the metabolic bone diseaseOSTEOPOROSIS, in which bones becomeporous and brittle. A person, mostly women,having osteoporosis may break a hip during a falland possibly die from complications. Birth Defects innate bone diseases constitute a widespectrum, ranging from the unimportant--forinstance, mild bow legs--to severe lesions, such asspina bifida, in which the lower end of the spinefails to develop right on and the baby is born withparalysis and misshapen vertebrae. Congenitaldiseases may provoke hormonal bases for example,fibrous DYSPLASIA, in which fibrous tissuereplaces that of some bones, often results in bone imperfection in addition, some girls with this diseasephysically mature so early that they are capable ofpregnancy and childbirth at the age of seven.Congenital defects also may have genetic bases,as in families who have extra fingers or toes or inthe disease osteogenesis imperfecta, in whichchildren have such brittle bones that many arefractured. Disorders of growth and developmentinclude several kinds of dwarfism and gigantism.Bones or limbs may develop deformity as theresult of known causes, such as the infectionpoliomyelitis, or unknown or variable causes, suchas curvature of the spine (SCOLIOSIS) orCLUBFOOT. Infections Infections of bone, calledosteomyelitis, are usually caused by pus-producingbacteria, especially Staphylococcus andStreptococcus. Before the development ofantibiotics, children frequently contracted thisdisease. Today bone infections are introdu cedprimarily through fractures and during operativeoperations. People infected with syphilis,tuberculosis, leprosy, or yaws are susceptible tobone damage. Metabolic Disorders Metabolicabnormalities often involve defects in the storageof minerals, particularly calcium and phosphateions, in the skeleton. Diseases of the kidney cancause a metabolic imbalance of phosphate andcalcium so that weakening of the bone occurs.Other metabolic bone diseases are osteoporosis,gout, OSTEOARTHRITIS, and PAGETSDISEASE. Nutritional Disorders Nutritionaldeficiencies that result in bone damage includeRICKETS in children and osteomalacia in adults,caused by a lack of vitamin D. In children, calciumand phosphate are poorly distributed on bonesduring development, resulting especially indeformity of the legs and arms. In adults, bones ofthe spine, pelvis, and legs become demineralizedand the bones weaken. SCURVY--caused by alack of vitamin C--also affects bone tissues. Astudy in the late 1980s indicated tha t the mineralboron is nutritionally important, as well.Apparently, it reduces loss of the bone minerals

Jamaica Kincaids essay On Seeing England for the first Time

Jamaica Kincaids essay On Seeing England for the initiative Time Its shit creation Scottish Were the scum of the fucking earth both(prenominal) people hate the English. I dont. Theyre just wankers. Were the atomic number 53s what were colonised by wankers. We couldnt even pick a bonnie bunch of people to be colonised by.-Irvine Welsh, TrainspottingThe cultural ties to empire are not so easy to efface as the political ones. This is perhaps one of the most important lessons the world has learned from the potbelly movement towards independence on the part of European colonies in the past half-century. Even we Americans, more than dickens hundred years after having rejected the British monarchy and all it stands for, are forever poking our noses in the supermarket tabloids to find out what crisis either Diana or Fergie is drag in this week. Have we progressed so little? Dont we owe it to ourselves to pay our own culture the tribute which is its due?This is one of the many q uestions that Jamaica Kincaids essay, On Seeing England for the first Time, raises. Being a colonial herself, she is forever organism forced to question where her cultural loyalty should lie. Is she first and foremost an Englishwoman? An African? An Antiguan? Kincaids essay is an take in charge to come to terms with her own identity by exploring the influence of a colonial culture on her daily life as a kidskin as well as on her education. She inundates the indorser with English images, just as she was once inundated with them as a schoolgirl. We sicken of the surfeit of tomography just as she must have when either waking moment, an image of England somehow wormed its way into her consciousness. Made in England . . . those three words . . . ran through every part of my life, no... ...e United States for some years, she has maintained her Antiguan citizenship. Her writings, including On Seeing England for the First Time, are all examinations of her own past and her cultural ide ntity. Even though she has left her island home, she is actively engaged in a struggle to achieve a synthesis of what is English and what is African in her origins. Through her writings, Kincaid attempts to assert her comprise self-an Antiguan woman-and all that her present self signifies. maybe such a synthesis-or even just the struggle for it-is the best that any of us can rely for.Works CitedGordimer, Nadine. Where Do Whites Fit In? lighter and DiYanni. 292-298. Hoy, Pat C. II and Robert DiYanni, eds. Encounters Readings and the World. 1st ed. New York McGraw-Hill, 1997.Kincaid, Jamaica. On Seeing England for the First Time. Hoy and DiYanni. 351-360. Jamaica Kincaids essay On Seeing England for the first TimeJamaica Kincaids essay On Seeing England for the first Time Its shit being Scottish Were the scum of the fucking earth Some people hate the English. I dont. Theyre just wankers. Were the ones what were colonised by wankers. We couldnt even pick a decen t bunch of people to be colonised by.-Irvine Welsh, TrainspottingThe cultural ties to empire are not so easy to efface as the political ones. This is perhaps one of the most important lessons the world has learned from the mass movement towards independence on the part of European colonies in the past half-century. Even we Americans, more than two hundred years after having rejected the British monarchy and all it stands for, are forever poking our noses in the supermarket tabloids to find out what crisis either Diana or Fergie is embroiled in this week. Have we progressed so little? Dont we owe it to ourselves to pay our own culture the tribute which is its due?This is one of the many questions that Jamaica Kincaids essay, On Seeing England for the first Time, raises. Being a colonial herself, she is forever being forced to question where her cultural loyalty should lie. Is she first and foremost an Englishwoman? An African? An Antiguan? Kincaids essay is an attempt to come to term s with her own identity by exploring the influence of a colonial culture on her daily life as a child as well as on her education. She inundates the reader with English images, just as she was once inundated with them as a schoolgirl. We sicken of the surfeit of imagery just as she must have when every waking moment, an image of England somehow wormed its way into her consciousness. Made in England . . . those three words . . . ran through every part of my life, no... ...e United States for some years, she has maintained her Antiguan citizenship. Her writings, including On Seeing England for the First Time, are all examinations of her own past and her cultural identity. Even though she has left her island home, she is actively engaged in a struggle to achieve a synthesis of what is English and what is African in her origins. Through her writings, Kincaid attempts to assert her present self-an Antiguan woman-and all that her present self signifies. Perhaps such a synthesis-or even j ust the struggle for it-is the best that any of us can hope for.Works CitedGordimer, Nadine. Where Do Whites Fit In? Hoy and DiYanni. 292-298. Hoy, Pat C. II and Robert DiYanni, eds. Encounters Readings and the World. 1st ed. New York McGraw-Hill, 1997.Kincaid, Jamaica. On Seeing England for the First Time. Hoy and DiYanni. 351-360.

J. R. R. Tolkien Essay -- essays research papers

Three dance orchestras for the Elven- fairys under the sky, Seven for the dwarf lords in their halls of stone, Nine for mortal men doomed to die, One for the Dark Lord in his dark throne. In the Land or Mordor where the shadow lies. One Ring to rule them all, One ring to find them, One ring to bring them all and in the darkness bind them.In the land of Mordor where the shadows lie (J.R.R. Tolkien, Rings)These argon the most famous recognized lines in The Lord of the Rings, J.R.R. Tolkiens masterpiece. Strong, tall men, fun party loving hobbits, pointy eared elves, short, plump dwarves and slimy, icky, putrid orcs are just a few of the races in Lord of the Rings. (J.R.R. Tolkien, Rings)This is only a small sample of the information that J.R.R. Tolkien put into his passwords. Not to mention songs, maps, and plenty more background information. Tolkien created a whole new world for readers with his books. Why did J.R.R. Tolkien have such an interesting life and where did all of his in formation come from?It all began when Arthur Reuel Tolkien and Mabel Suffield had their first-born son on January 3, 1982 in Bloemfontein, South Africa. (Darryl Friesen, Early) Tolkiens early years and barely even memorable ones were spent divided between the city and a country farm. During this time, at school, Tolkien was bitten by a huge tarantula, which would later influence one of his stories in Lord of the Rings. (W.J. Rayment, A Bio)On February 15th, 1896, Tolkien left South Africa with his mother and younger brother, Hilary to return to England. His paternity however was also suppose to return to England with them within the next few months, but while he waited in South Africa he caught rheumatic febricity and soon died. This left the grieving family with a very limited income. (W. J. Rayment, A Bio)By now Tolkien was showing great interest in languages and had developed funny skills with them. He had already mastered Latin and Greek, and was already making up languages o n his own. So, naturally, when Tolkien and his family reached Birmingham, England his mother paid for Tolkien to attend King Edward VI School. (David McDonald, Bio Sketch)In 1900, Tolkiens mother, on with her sister May were received in... ... that Tolkien had to change his address, telephone number, and eventually had to move to Bournmouth at a South Coast Resort. In 1955, The Return of the King, the final book of The Lord of the Rings was published.( Darryl Friesen, Timeline)With his major book out of the way, Tolkien decided to retire from Oxford and looked back toward his married woman. For the next few years Tolkien would work on his liturature and live with his wife peacefully. On November 29th, 1971 Tolkien lost his wife and soon returned to Oxford shortly after. On September 2, 1973, Tolkien died at the age of 81 from an pneumonia at a private hospitol in Bournemouth. (Darryl Friesen, Post)Tolkiens books save live on even after his death. In 1977, The Simarillion was publ ished with the help of Tolkiens son, Christopher. The Hobbit is recommended of most lists of childrens books. On December 19th, 2001, New Line Cinema released a live action movie of The Fellowship of the Ring earning a whopping 95.3 million in its first week. The Two Towers was released in December 2002 and The Return of the King will be released in December 2003. (Darryl Friesen, After)

J. R. R. Tolkien Essay -- essays research papers

Three Rings for the Elven-Kings under the sky, S nevertheless for the dwarf lords in their halls of stone, Nine for mortal custody doomed to die, One for the Dark gentle in his dark throne. In the Land or Mordor where the shadow lies. One Ring to rule them all, One aura to find them, One ring to bring them all and in the darkness bind them.In the land of Mordor where the shadows lie (J.R.R. Tolkien, Rings)These are the most famous recognize lines in The Lord of the Rings, J.R.R. Tolkiens masterpiece. Strong, tall men, fun party loving hobbits, pointy eared elves, short, plump dwarves and slimy, icky, putrid orcs are just a few of the races in Lord of the Rings. (J.R.R. Tolkien, Rings)This is only a small sample of the information that J.R.R. Tolkien put into his books. Not to mention songs, maps, and plenty more background information. Tolkien created a whole new sphere for readers with his books. Why did J.R.R. Tolkien have such an interesting life and where did all of his inf ormation come from?It all began when Arthur Reuel Tolkien and Mabel Suffield had their first-born son on January 3, 1982 in Bloemfontein, South Africa. (Darryl Friesen, Early) Tolkiens primaeval years and barely even memorable ones were spent divided between the city and a country farm. During this time, at school, Tolkien was bitten by a huge tarantula, which would ulterior influence one of his stories in Lord of the Rings. (W.J. Rayment, A Bio)On February 15th, 1896, Tolkien left South Africa with his mother and younger brother, Hilary to return to England. His father however was also imagine to return to England with them within the next few months, but while he waited in South Africa he caught rheumatic fever and soon died. This left the sorrow family with a very limited income. (W. J. Rayment, A Bio)By now Tolkien was showing great interest in languages and had developed remarkable skills with them. He had already know Latin and Greek, and was already making up languages o n his own. So, naturally, when Tolkien and his family reached Birmingham, England his mother paid for Tolkien to attend King Edward VI School. (David McDonald, Bio Sketch)In 1900, Tolkiens mother, along with her sister May were standard in... ... that Tolkien had to change his address, telephone number, and eventually had to move to Bournmouth at a South Coast Resort. In 1955, The Return of the King, the final book of The Lord of the Rings was published.( Darryl Friesen, Timeline)With his study book out of the way, Tolkien decided to retire from Oxford and looked back toward his wife. For the next few years Tolkien would work on his liturature and live with his wife peacefully. On November 29th, 1971 Tolkien lost his wife and soon returned to Oxford shortly after. On September 2, 1973, Tolkien died at the age of 81 from an pneumonia at a private hospitol in Bournemouth. (Darryl Friesen, Post)Tolkiens books still live on even after his death. In 1977, The Simarillion was publishe d with the help of Tolkiens son, Christopher. The Hobbit is recommended of most lists of childrens books. On December 19th, 2001, New Line Cinema released a live action characterization of The Fellowship of the Ring earning a whopping 95.3 million in its first week. The Two Towers was released in December 2002 and The Return of the King will be released in December 2003. (Darryl Friesen, After)

Business Economics – Regression Analysis

Effect of Ratio Profitability Return on Asset (ROA) and Return of Equity (ROE) to dividing line Price of PT Bank primordial Asia (BCA) Tbk. Ratio profitability, Return on Asset (ROA) and Return of Equity (ROE), of a firm is used as unmatchable of parameters for investor to decide whether they want to invest or non. The following table consists of ROA and ROE as well as the telephone circuit price of PT Bank Central Asia (BCA) Tbk. , as one of the largest bank in Indonesia, from year of 2002 up to 2011. Table 1. ROA, ROE and stock price of PT Bank Central Asia Tbk. tahun 2002-2011 Year breed Price(Y) ROA(X2) ROE(X2) 2002 2500 2. 17 22. 08 003 3325 2. 36 24. 87 2004 2975 3. 04 32. 52 2005 3400 3. 41 32. 33 2006 5200 3. 43 33. 58 2007 7300 1. 68 16. 47 2008 5778 3. 14 33. 16 2009 5645 3. 17 32. 11 2010 4284 3. 28 31. 23 2011 3674 2. 65 24. 16 Using regression analysis we want to determine the kindred between ROA, ROE and stock price of PT BCA Tbk. In this case, ROA and ROE are th e independent or explanatory changeable (X), while stock price is the dependent variable star that we want to explain (Y). Regression abbreviation SUMMARY OUTPUT Regression Statistics Multiple R 0. 13028475 R Square 0. 016974116 Adjusted R Square -0. 63890422 Standard phantasm 1710. 529517 Observations 10 ANOVA df SS MS F Significance F Regression 2 353656. 3 176828. 15 0. 060435241 0. 941840446 Residual 7 20481378. 6 2925911. 229 Total 9 20835034. 9 Coefficients Standard Error t Stat P- appraise Lower 95% Upper 95% Lower 95. 0% Upper 95. 0% Intercept 5361. 609293 2796. 526605 1. 917238793 0. 096721961 -1251. 125335 11974. 34392 -1251. 125335 11974. 34392 X covariant 1 -142. 3275587 3749. 125063 -0. 037962873 0. 970777259 -9007. 599603 8722. 944486 -9007. 599603 8722. 944486 X Variable 2 -19. 7879081 375. 1702777 -0. 051919867 0. 960043105 -906. 6155278 867. 6579462 -906. 6155278 867. 6579462 From the summary output we can estimate the linear relationship between t he stock price (Y) and ROA (X1), ROE (X2) in the form of equation under Y= 5361. 6092 142. 3275 X1 19. 4788 X2 The run indicates that for each 1% decrease in ROA and ROE the stock price decrease by IDR142. 3275 (the estimated coefficient of X1) and IDR19. 4788 (the estimated coefficient of X2) also, respectively. To understand how significant the independent variable can explain the dependent variable, we can observe from t-stat data.The critical value of t at the 0. 05 level of significance is 2. 365 (from table of the t distribution). The analysis result show that t-stat value below the critical value of t = 2. 365. It means that at the 5% level of significance, we accept there is no significant relationship between ROA, ROE and stock price. We need more variable better than just ROA and ROE to picture the movement of price stock. The two variables, ROA and ROE, are not enough to explain the stock price of PT BCA Tbk. Now, we want to see how good is the model or how much the e xplanatory power of the model by looking at R2 data.R2 measures how much of the variation in the firms stock price is explained by the variation in its ROA and ROE. The analysis result shows that the value of R2 is 0. 016974116, extreme to 1. It means that none of the variation in stock price was explained by the variation in ROA and ROE. In conclusion, looking at the value of t-stat and R2, variable ROA and ROE is not enough to explain the movement of stock price PT BCA Tbk. We need to add more variables to get more description how the stock price change and how significant and sensitive the variables impact to stock price.

Noh Extended Essay

Every culture in the world has its own theater. In Japan adept of the most ancient forms of theater is Noh. The Noh theater found its form in the fourteenth century and continues in much the same form, with many an(prenominal) of the same plays, in present day Japan. A Noh play portrays one all-encompassing emotion dominating the main character, the dogshit. Whether jealousy, rage, or sorrow, all music, gesture, spring, and recitation are utilize to hit the emotion to its final climax at the close of the play. Often the plays depict the return of a historical personage, in spirit or ghostly form, to the situate of a significant event in his or her life.A warrior might return to the battle field, or young woman to the scene of a love affair. consort to Buddhism of the fourteenth century, a person could non find spiritual release even after death if he still possessed a potent emotion or desire. To exorcise this emotion, the warrior might appear in his armor and recreate the battle in a dance. The dance would reveal his humiliation at suffering defeat. Noh plays are extremely intense. In order to express something so abstract as an emotion, words are often inadequate. As the play progresses, then, dance and poetry are used to express the tortured heart.Other elements which contribute to an intensification of the mood are the bare simplicity of the stage which allows no distraction from the main character, and the beautiful costumes of the main character himself. The stylized movements also help to focus the energy on the emotion rather than on the individual personalities. In Noh as in classical ballet, every movement is choreographed and often symbolic. There is no individual interpretation. Masks are used in many unalike cultures. In Japan, Noh masks are used for theatre and dance performances.Each mask represents a certain person, hero, devil, ghost, or legendary animal, depending on what the character is in the performance. As Noh is an art form that utilizes masks, there is a great variety of them. There were originally about 60 basic types of noh masks, but today there are well over 200 different kinds in use. Noh performers feel that the noh mask has a certain power inherent in it which assoils it much more spiritual than a prop used to mixture ones appearance. Taking into account the status of a certain noh, the noh performer will carefully choose a noh mask, known also as a noh-men or omote.In most cases, the exact mask is not predetermined, but depending on which noh is being done, the shite has a variety to choose from. In the end, it is up to the shite to make the final determination as to which mask is chosen. Exactly when the noh mask came into being is not entirely clear however it is believed that masks, and their names still used today, were create from the mid to latter part of the Muromachi period (1392-1573). Previous to that time, the mask conventions were not entirely set and masks themselves had strong er religious connotations.It was during the Muromachi period that the religious significance of the masks began to wane and they took on more human characteristics. It is thought that as performers started to think more about the use of yugen (mysterious beauty) and profundity, they felt they needed to hide the unattractive aspects of their own faces and concentrate on making the beauty of noh stronger. Between the end of the Muromachi period and the modern age the art of making noh masks was established as a hereditary art with a long lineage.Two examples are the Deme family from Echizen (present day Fukui prefecture) and the Iseki family from Ohmi (present day Shiga prefecture). Following the establishment of noh mask making families, the stylization of noh masks significantly advanced. Even today there are many independent mask makers. While some nohgaku performers still make their own masks, the performance world and the mask-making world are essentially independent of each othe r. As it is often difficult to tell the actual feelings expressed in a noh mask, it is said to be made with a neutral expression.The mask carver tries to affect a variety of emotions in the mask. It is up to the performer to imbue the mask with emotion. One of the techniques used in this task is to slightly tilt the mask up or down. With terasu (tilting upwards) the mask appears to be slightly smiling or laughing and the expression lightens somewhat. While kumorasu (tilting downwards), produces a slight frown and can express trouble or crying. Basically, by using minute movements, the performer is able to express very fully. Noh masks, like costumes and props, are extremely valuable heirlooms and handed down from times to generation.After having the costume put on, the shite then goes to the kagami no ma (mirror room) where in front of a mirror, the shite faces the mask. In putting the mask on, the word kaburu (putting on clothing) is not used. Instead the word kakeru (to hang) o r tsukeru (to attach) is used. In this way, it is implying that the performer is becoming the mask, and its emotions, in order to better express the characters feelings. In reality, a noh mask does not entirely cover a noh performers face when it is being worn. In fact, it is thought best if some part of the chin and/or jowls show.Also, as the eye holes of the mask are very small, the field of vision of the performer is very limited when wearing the mask. Consequently the simple design of the stage and the use of hashira (pillars) assists in helping the performer know their location during a performance. Not all the main performers on stage wear masks in noh. Usually the shite and the tsure wear masks and occasionally there are instances where the ai will as well. The waki as a rule, playing a character who is living in the present, does not wear a mask. This is called hitamen or a direct mask. However, even without wearing a mask, the performer is meant to make their face a mask. The performer must submit power and emotion into their performance while not using their face to express. In some genzai noh the shite or tsure do not wear masks. Noh performances excogitate upon the daily life and times of the Japanese. An extremely stylized art form which dates back to the feudal period, the masks used convey the mood and character of the part contend by the performer. Thus, each mask is a manifestation of elegant simplicity and rustic tranquility.

Tim Hortons

PROFILE CANADIAN MARKETING EXCELLENCE It began as a one-store shop in Hamilton in 1964 founded by legendary hockey player Tim Horton. By 1967, there were three Tim Hortons stores open for business under the root successful franchisee, Ron Joyce (who currently serves as chairperson emeritus of the TDL Group). Since then, Tim Hortons has grown to 2527 stores (2343 in Canada, 184 in the fall in States) and over US$800 million in revenue. With a 13-year cumulative average growth in gross revenue of 7. 1 pct in Canada and 17. 5 percent in the United States, Tim Hortons is one very successful coffee and doughnut shop.How this local operation rancid into an international franchise corporation and a major Canadian cultural icon, with a rapidly expanding U. S. presence, has everything to do with a very well-planned and carefully executed selling strategy. Tim Hortons core strategy is the reason for its success. On its most basic level, the Tim Hortons merchandise team has created a br and that represents an idealized image of the Canadian national eccentric friendly, neighbourly, unpre gotious, gently playful, frugal, trustworthy, and clean. The company measures everything it does against this list of brand values. In everything we do, weve always foc employ on the concept of being that friendly, unpretentious, good neighbour youd want vivacious down the block from you, says Cathy Whelan Molloy, TDLs vice-president of brand advertising and merchandising. It also uses extensive customer and franchisee surveys, and other consumer research, to make sure its products, service, and communications fit the ideals. Furthermore, the organization has shown fast commitment to this vision and strategy for over 30 years. Tim Hortons has executed this core strategy through many years of innovative marketing campaigns.It was one of the first Canadian organizations to tap into the benefits of sports marketing. Its first stores were painted blue and white to capitalize on the fame of Tim Horton himselfa Toronto Maple Leafs legend. It has developed a major presence in local communities with the creation of the nonprofit Tim Hortons Childrens Foundation. The foundation sponsors an estimated 33 000 children in Timbit hockey leagues annually and operates five camps at which underprivileged Canadian and American children enjoy ten summer days and five winter days of activities. Developing MarketingStrategies and Plans 2 CHAPTER 2All of the companys campaigns are designed to communicate a positive and plausible truth about the Canadians who go to Tim Hortons. Effectively, Tim Hortons dares to hold a mirror up to Canadians and challenges them to like what they see, says Philippe Garneau, a partner at Torontos Garneau Wurstlin Philp Brand Engineering. For example, in 2002, the company ran a television ad campaign called True Stories. These were a series of vignettes based on hundreds of suggestions the company receives from its customers every year.The campaig n featured Canadian sailors and students afield trying to get their fix of Tim Hortons coffee. In 1976, Tim Hortons changed the face of doughnut consumption forever with the introduction of Timbits. It has been able to use this product in the companys marketing strategy to continue to build the playful, friendly nature of the brand. Of course, no discussion of Tim Hortons would be execute without one of the most successful annual promotional tools in Canadian history the Roll Up the Rim to Win customer reward program that offers prizes ranging from coffee and doughnuts to luxury cars.In one of the best examples of how Tim Hortons used this program to build the brand, the company aired a TV spot featuring a Canadian citizen crossing over the U. S. border. When asked to prove his nationality to the immigration officer, the character plain rolls his Rs while speaking the phrase roll up the rim to win. These investments have paid off. Of those surveyed in the Canadian Business poll of Canadas best and chastise brands, Tim Hortons was the clear winner, with 42 percent of those who responded to the poll (conducted by the Strategic Counsel and Spencer Francey Peters).What is more impressive is that 95 percent of the companys 2500-plus outlets are own by franchisees, which may have independent ideas about what Tim Hortons is about. However, creating programs to ensure that the organization builds the brand and develops the business together has been crucial to the overall strategy. New franchisees must complete a seven-week training program before taking ownership of stores. Furthermore, the company has strict quality control standards. It routinely surveys and inspects stores, including checking everything from how fast and friendly the staff is to whether the junk in he parking lot has been cleared. But it is not through hierarchical, heavy-handed intervention that it creates strong brand commitment from the franchisees, it is through a well-developed knowle dgeable strategy that works to ensure the success of each franchisee. For example, the Roll Up the Rim to Win promotion was created specifically to boost coffee gross sales in the warmer spring months. While franchisees end up giving away thousands of free coffees and doughnuts (in 2004, winners redeemed over 20 million food prizes), the promotion drives sales growth.Consistently keeping customers coming back every day (sometimes two or three times a day) is Tim Hortons challenge. In this intensely competitive market, it does not undertake much more than a stale doughnut or a cup of cold coffee to lose a customer. Yet consumers keep liner up. (Tim Hortons had a 68 percent share of the most often coffee purchases in the first quarter of 2004, while Starbucks and Second Cup had 7 percent and 3 percent respectively. ) Part of this success is believed to stem from Tim Hortons decision in the 1980s to drop the Doughnuts from its name and carve out a niche as a breaktime restaurant.Now the company appeals to consumers who want to stop in for soup and sandwiches as well as those simply looking for a coffee. Interestingly, one of the brands that Canadians seem to come upon with most closely is actually owned by Americans. In 1995, Ron Joyce sold the company for US$450 million to Ohio-based Wendys International Inc. In 2003, Tim Hortons sales equal nearly 20 percent of the fast-food giants retail sales, and the Tim Hortons operations in both 36 PART ONE Understanding Marketing ManagementCanada and the United States posted the best same-store sales growth in the entire organization.Sources John Gray, King of the Cruller Our Survey Crowns Tim Hortons the Best-Managed Brand in the Country, Canadian Business magazine publisher Online, www. canadianbusiness. com, June 6, 2004 (viewed July 12, 2004) Before Tims Was Tims, abridged and excerpted from Tales from Under the Rim The Marketing of Tim Hortons by Ron Buist, Marketing cartridge holder Online, www. marketmag. ca , September 22, 2003, (viewed July 12, 2004) Terry Poulton, Long Live the Double Double, Strategy Magazine Online, www. strategymag. com, July 29, 2002, p. 9 (viewed July 12, 2004) Wendys International Inc. Investor Presentation, June 2004, www. wendys-invest. com (viewed July 12, 2004) Tim Hortons Web site, www. timhortons. com (viewed July 12, 2004). A key ingredient of the marketing management process is insightful, creative marketing strategies and plans that can guide marketing activities. Developing the right marketing strategy over time requires a blend of discipline and flexibility. Firms must stick to a strategy but must also find new ways to constantly improve it.

Ivan the Terrible

Candice Ivan IV, Tsar of Russia is better known as Ivan the terrible. In the pastime paragraphs I will depict major events in his life and the employment he played in Russia. I will also exhibit the some positive things that he did. As well as the negative things that he did to Russian society during his reign of thirty-seven years. I will debate the circumstance that Ivan IV was nick named Ivan the terrible. Ivan IV, Tsar of Russia is better known as Ivan the terrible. In the following paragraphs I will depict major events in his life and the role he played in Russia. I will also exhibit the many positive things that he did.As well as the negative things that he did to Russian society during his reign of thirty-seven years. I will debate the fact that Ivan IV was nick named Ivan the terrible. Ivan IV was born on August 25, 1530, in Moscow. He was the son of Vasily III, the grand duke of Moscow, who died when Ivan was just three years old. His mother Yelena Glinskaya who was from a leading noble family established a regency, which soon became nothing moreover corruption and wild violence as rival families feuded the dominance of the Ginskaya family. After Yelena Glinkaya died in 1538 the misrule continued after that.Ivan was crowned in 1547, but not as grand duke but as a tsar. In the same year he married Anastasia Romonov. Anastasia died on 1560, and Ivan remarried many times. Ivan died March 18,1584. Ivan IV make many positive attributes. From the year 1547-1560 are considered to be the really productive period of Ivans reign. During this period Ivan appointed an advisory council. Ivan also founded a subject field assembly in 1549, and enacted reforms in the local government . He also drew up a new law code in 1550. He also regulated the responsibilities and jobs of the aristocracy.Expansion of Russia eastward also started during this period. And finally trading began with the English, Dutch, and the French. Ivan IV made many negative attributes as well. In 1560 when Anastasia died marked the give up of Ivans productive period. Ivan IV was increasingly powerful and he turned against his advisors, because he was convinced that they had caused her death, backed by rival Nobel families. Ivan threatened to abdicate unless the nobles were punished. Ivan left-hand(a) Moscow in 1564, and settled in a village called Aleksandrovsk. The confused people of Moscow begged Ivan to return .Ivan eventually returned to Moscow under two conditions. First, he had to have the right to punish traitors, executing them necessary and keeping their stuff. Secondly, he had a political and territorial subdivision called the oprichnia was to be established, and managed completely under the tsar. Ivan IV also known as Ivan the terrible. Ivan the terrible led a very eventful life. Ivan had many negative attributes. As well as positive attributes. If you roam things in perspective all of these things balance off. So was Ivan IV really terrible? , you be the j udge.

The Way of Financial Capability Is Through Financial Literacy

The way of monetary Capability is by means of fiscal literacy Indian and Global Scenario Asst. Prof. Prajakta Joshi N-12, Maurya Vihar, Near Sahajanand Society, Kothrud, Pune -38 Email emailprotected co. in receive no. 9371207428 The way of monetary Capability is through monetary literacy Indian and Global Scenario Abstract In every stage of life people impertinence ch everyenges to take certain fiscal decisions. fiscal illiteracy is inability to make assured judgments and effective decisions regarding the use and management of money and wealth which affects their family and society at large.It is utmost important for a country to take steps for pecuniary literacy in order to improve the standard of society society and economy of the nation. pecuniary literacy is the set of skills and knowledge that allows an individual to take appropriate monetary decisions. The objective of the research is to agnise financial literacy and its importance. It overly aims to understand the current financial literacy initiatives that argon taking place in India and other parts of the world. monetary literacy is more important in country like India where large chunk of population is illiterate therefrom they do not get easy access to formal financial set up. This population has lack of knowledge ab issue financial readiness. The Indian authorities has insisting on the need for financial literacy and generating confidence among people who burnt their fingers by taking wrong decisions. The promotion of financial literacy in developing countries is well-timed(a) and can be a win-win situation for poor people and financial service providers alike..Financial literacy skills can be applied everywhere viz. managing a huge range of individual, household, business, and community resources. The effective financial literacy is the best tool to help the society to raft with future needs as well as to deal with contingencies. Key Words financial literacy, financial readi ng, financial syllabuss, financial planning Introduction Financial decisions can be rigorous task. Making financial choices by comparing savings or borrowing options with different engage rates and term structures can cause a certain level of discomfort.Sometimes a well-educated individual may need to rely on calculators or sp realisesheets to make truly informed decisions. Investment decision involves some amount of risk thus the number of investors be less as comp bed to the rate at which markets in India are outgrowth. People hesitate to invest due to lack of awareness and worthy knowledge of financial services available in market. This uncertainty is due to lack of randomness and understanding of investment basics. Creating informed investor is the major challenge for ageless growth of Indian economy.Investments may be in the form of fixed deposit, real estate, gold, mutual fund, bond and shares. As per Indian scenario people are least(prenominal) interested in invest ment is share market due to lack of knowledge. Only 1% of Indian population is active investor in capital market. regime of India has already taken steps to increase the awareness and knowledge of the population through discordant investor education programs. Financial literacy programs that teach individuals how to spend save and cipher responsibly.These initiatives should reach to the root level of Indian population. The awareness should spread among the farmers that consist of 70% of Indian economy. Objective 1. To understand the financial literacy and its importance. 2. To l lay down about the Initiatives for Financial Literacy in the global context. 3. To study the efforts taken by non-homogeneous institutions for Financial Literacy in India. belles-lettres Review Lusardi and Mitche (2006, 2007), befuddle conducted basic financial literacy test for both(prenominal) U. S. nd other countries and their research shows that many adults do not understand the difference between compound and simple interest the characteristics of financial assets such as stocks and bonds the benefits of portfolio diversification or the important features of their own mortgages, Social Security and pension plans. Lusardi and Tufano( 2009), (van Rooij, Lusardi, and Alessie 2007), (Hastings and Tejeda-Ashton 2008) found that people with low financial literacy are more likely to have problems with debt, less likely to participate in the stock market and mutual funds.Previous research has found that financial literacy can have important implications for financial behavior. Ajay Tankha, increment consultant of Sa-dhan, a self help group conducted study in India tie in to financial literacy and indicated that nearly 96% of the population across the country mat that they would not survive for more than one year if there is a loss of income. Worthington, AC, Predicting financial literacy in Australia, Financial Services Review, 15(1), Spring 2006, 59-79, used Logit models to fo resee financial literacy using the 2003 ANZ Survey of Adult Financial Literacy in Australia.Factors examined include gender, age, ethnicity, occupation, education, income, savings and debt. The result shows Financial literacy is highest for persons aged between 50 and 60 years. Literacy is final for the unemployed, females, and those from a non-English speaking background with a low level of education. Research Methodology The research paper is based on descriptive analysis. The secondary data sources are 1. Websites 2. World economic forum report 3. Books 4. Journals Conceptual background Definition of Financial LiteracyFinancial Literacy is the knowledge and ability of an individual to make informed and effective money management decision. Financial literacy can be achieved when a person develops financial knowledge and skill along with access to financial services, judicature policy, financial instruments and updates in tax structure. Financial literacythe ability to process financial information and make informed decisions about personal financehas received growing attention in the developed world, and deep, in the developing world, as a potentially important determinant of household well-being.The term financial literacy is used a lot but many do not truly understand the definition. As Stone (2004) states, financial literacy is the ability to read, analyze, manage and communicate about the personal financial conditions affecting material well being (p. 1). The concept of financial literacy takes into consideration the ability to balance your check book or being able to read your financial statements. A better informed citizen can be more prudent in planning his personal finance consequently helps in beef up the countrys economy.It is important that people should accurately perceive their own economic decision Therefore there should be substantial contribution from political sympathies of India and other non- government organizations. Importance o f financial literacy In recent years, financial literacy has gained the attention of a wide range of major banking companies, government agencies, grass-roots consumer and community interest groups, and other organizations.Interested groups, including policymakers, are concerned that consumers lack a working(a) knowledge of financial concepts and do not have the tools they need to make decisions most preferential to their economic well-being. Such financial literacy deficiencies can affect an individuals or familys day-to-day money management and ability to save for long-term goals such as purchase a home, seeking higher education, or financing retirement. Ineffective money management can also result in behaviors that make consumers vulnerable to onerous financial crises.Financial literacy allows people to increase and better manage their earnings and therefore better manage life events like education, illness, job loss or retirement. It also promotes understanding and acceptan ce of important political reforms, such as health care or pension reforms. While the significance of financial literacy has not thus far been fully articulated and recognized by the international development community or by policy makers and practitioners in developing countries measures to promote and improve financial education are becoming more frequent.The providers of financial literacy programs are a diverse group that includes employers, the military, state cooperative extension services, community colleges, faith-based groups, and community-based organizations. Commercial banks are also important providers of financial literacy education. All but two of the forty-eight retail banks responding to a recent survey by the Consumer Bankers Association reported bestow to financial literacy efforts in some way.Many banks consider their engagement in this theatre a way to expand their customer base and promote goodwill, and such activities are often given favorable consideratio n in examinations for compliance with the Community Reinvestment Act. International Scenario of Financial literacy The development in medical and technology field results in increase in life expectancy, however the person should also be sustain economically till he alive. Financial literacy has become an immensely everyday component of financial reform across the world to retain and increase the income for future survival.the States Financial literacy promotion was started early in 1908 in United reconcile of America, Edward A. Filene established American credit union movement to promote financial literacy in form of newsletters. .Some governments have devoted efforts to improve financial literacy. In ground forces many state governments require high school students to take financial education courses the first such requirement took effect in Nevada in 1957. CNN money has an outstanding overview of basic personal finance topics called Money 101. Each of the 23 topics includes sev eral pages of information, and many of the subjects include an interactive calculator or tool.The Federal government has a website called MyMoney. gov, which is use to teaching all Americans the basics about financial education. American Association of University Women Californias work with financial literacy program from 2008. They have developed six modules for college students and women. As response to the recent financial crisis, the United States government set up the Presidents Advisory council on Financial Literacy in January 2008, charged with promoting program that improves financial education at all levels of the economy.The Federal government also provides the Federal Citizen Information Center, which offers free (or cheap) publications on a variety of topics including finance.. Private foundations are also stepping up for promotion of financial literacy and its advantages. The Citi Foundation, funded by Citigroup, has supported a number of initiatives that look to impr ove financial literacy end-to-end the world. Currently, the program is headed by Microfinance Opportunities, a microenterprise resource center that promotes client-led microfinance, and Freedom from Hunger.Australia the commonwealth Bank has offered education and financial literacy initiative to young and adult Australians. Since the 1930s, the bank has peculiarly focused on supporting the financial needs of young people through its Student Banking Program and the Dollars and Sense . Portland, Maine An Institute for Financial Literacy is established in 2002. . It is nonprofit organization which supports financial literacy program. In applyesia In the developing world, the Indonesian government declared 2008 the year of financial education. europium and Central Asia Starting in 2005, the Europe and Central Asia Region of the World Bank initiated a pilot program in financial literacy, for the pilot program nine countries review were conducted that includes six states of European uni on namely, Bulgaria, Czech Republic, Latvia, Lithuania, Romania and Slovakia plus the Russian Federation and Azerbaijan, Croatia. The financial literacy initiative is currently being implemented by Pro Mujer (Bolivia), Teba Bank (South Africa), Al Amana (Morocco), rightfulness Building Society (Kenya), SEWA Bank (India), CARD Bank (the Philippines) and the Microfinance Centre (Poland), among others.Indian Scenario of Financial literacy 65% Indians lack financial literacy, according to Financial Service giant Visa, recently came up with a survey which declared India as one of the least financial literate countries among 28 countries. pic Source Visa this survey is conducted in the stream between February and April 2012 and interviewed 25,500 respondents in 28 countries including global superpowers like USA, Canada and Australia. Out of a possible score of 100, Brazil topped the charts with a 50. 4 followed by Mexico with 47. 8, Australia with 46. 3, USA with 44 and Canada with 43. in top 5 overall country ranking. India ranked 23rd as the report termed only 35% of Indian respondents as financially literate. In India, the Reserve Bank of India launched an first initiative in 2007 to establish Financial Literacy and Credit counseling centers throughout the country which would offer free financial education and counseling to urban and rural population. Initiatives taken for Financial Literacy in India In India Financial Literacy initiative taken by various agencies to enhance financial capability of Indian population. These initiatives include 1. run batted ins initiative on Financial LiteracyInitiative taken by Reserve Bank of India, Reserve Bank of India has undertaken a project titled Project Financial Literacy. The objective of this project is to propogate information regarding the general banking concepts to various target groups, including school and college students, women, rural and urban poor, defense violence and senior citizens. The project has been designed to be implemented in two modules, one module focusing on the economy, RBI and its activities, and the other module on general banking. The material is created in English and other vernacular terminologys.The information is distributed to banks, local government, schools and colleges through presentations, pamphlets, brochures, films and also through RBIs website. The other measures implemented by Reserve Bank of India in this regards include conducting essay competition to promote financial awareness among school children on topic banking and finance. Recently RBI launched RBI Young Scholars award scheme for outstanding students in order to generate interest in creating awareness of banking sector of the country. 2. SEBIs initiative on Financial Literacy Securities Exchange Board of India has started financial education on a nationwide.To undertake financial education to various target segments viz. school students, college students, working executives, middle income group , home makers, retired personnel, self help groups etc. , SEBI has empanelled Financial Educator Resource Persons throughout India. The Resource Persons are given training on various aspects of finance and equipped with the knowledge about the financial markets. These SEBI Certified Resource Persons organise workshops to these target segments on various aspects viz. savings, investment, financial planning, banking, insurance, retirement planning etc.More than 3500 workshops have been already conducted in various states covering around two lakh and sixty thousand participants. Investor education programs are conducted by SEBI through investor associations all over the country. Regional seminars are conducted by SEBI through various stakeholders viz. Stock Exchanges, Depositories, Mutual Funds Association, Association of Merchant Bankers etc. SEBI has a dedicated website for investor education wherein study materials are available for dissemination. SEBI also publishes study materials in English and vernacular languages.Under Visit SEBI programme, give lessons and college students are encouraged to visit SEBI and understand its functioning. SEBI has recently set up SEBI Helpline in 14 languages wherein through a toll free number, investors across the country can access and seek information for redressal of their grievances and guidance on various issues. (ref. www. rbi. org) 3. IRDAS Initiatives on Financial pedagogy Insurance Regulatory and Development Authority has taken various initiatives in the area of financial literacy. Awareness programmes have been conducted on television receiver and radio and simple messages about the rights nd duties of policyholders, channels available for dispute redressal etc have been propagated through television and radio as well as the print media in English, Hindi and 11 other Indian languages. IRDA conducts an annual seminar on policy holder auspices and welfare and also partially sponsors seminars on insurance by consum er bodies. IRDA has done a pan India survey on awareness levels about insurance. IRDA has also brought out publications of Policyholder Handbooks as well as a comic book series on insurance. A dedicated website for consumer education in insurance has been launched. 4. PFRDA Initiatives on Financial EducationThe Pension Fund Regulatory and Development Authority, Indias youngest regulator has been engaged in spreading social security messages to the public. PFRDA has developed FAQ on pension related topics on its web, and has been associated with various non government organizations in India in taking the pension services to the disadvantaged community. PFRDAs initiatives have become more broad-based with direct potentiometer publicity on NPS both as individual model through POPs and group models through Aggregators. PFRDA has issued advertisements in print media and electronic media through radio and television.PFRDA name intermediaries are called Aggregators who are directly resp onsible for pension awareness mostly in vernacular languages and in line with socio-economic sensibilities 5. Market players Initiatives on Financial Education Commercial banks are realizing that they are missing out on large segment of financially illiterate and excluded segment of prospective customers. Major financial institutions are spreading awareness through Financial Literacy and Counseling Centers and Rural Self Employment Training Institutes on financial literacy.The objective of these centers is to advise people on gaining access to the financial system including banks, creating awareness among the public about financial management, counseling people who are struggling to meet their repayment obligations and help them result their problems of indebtedness, helping in rehabilitation of borrowers in distress etc. Some of these credit counseling centers even train farmers/women groups to enable them to start their own income generating activities to earn a reasonable liveli hood. Similarly, many Stock Exchanges, Broking Houses andMutual Funds have initiatives in the field of financial education through conducting of seminars, issuance of dos and donts, and newspaper campaigns. Insurance companies too, carry out campaigns and other educational activities for generic education in insurance. 6. Other Measures Other than the Reserve bank and other regulators, various NGOs in the country are also spreading financial literacy in the country. Sanchayan is a NGO dedicated exclusively to spreading financial literacy and awareness among the youth and adults from low-income background.Sanchayan conducts free workshops for the underprivileged youth on topics ranging from the basics of banking, credit cards and PAN cards to the investing in shares and mutual funds, so that these youth can become financially aware and also a part of the mainstream banking and financial services industry. Indian School of Microfinance for Women through its Citi Center for Financial L iteracy (CCFL) has formed a network of partner organizations named National Alliance for Financial Literacy (NAFil) to take financial literacy as a movement across the country.Also Manndeshi Udyogini Business School for Rural Women HSBC has collaborated with Mann Vikas Samajik Sanstha in Satara to provide financial literacy and management skills to girls and women with no formal education Conclusion and Recommendations It is a need of an era to understand the concept of financial literacy for rapid progress of economy. The financial literacy is not restricted only to small savings but it is also useful for how to use credit responsibly, fund management, background financial risks, maximization of profit and derive long-term benefits of investment.Financial literacy movements have already started globally. India has also made rapid progress in the field of financial education through various programs initiated by government and other agencies. In this context the following recommend ations are worth notable to increase the financial literacy of the country. 1. Financial literacy program should be the part of academic syllabus from primary education. 2. Special program should be designed for woman who develops the cultures in the family, this can be implemented through anganwadi teachers and self help groups. 3.In rural area program should be designed in regional language and should be presented in form of dramatics or street play for their better understanding. 4. In advance stage the programs on investment in capital market should be introduced in easy language for educated middleclass. 5. There is a scope for further study whether financial education programs are effective in improving financial literacy and financial behavior. REFERENCES 1. A Survey of the Banking Industry (July 2001) 2. Dean Roy Nash, FINANCIAL LITERACY AN INDIAN SCENARIO, Asian Journal of Research in Banking and Finance. 3. Eikmeier, B. J. (2007).Trends drive opportunities for financial pl anning for women. Journal of Financial preparedness, 20(6),6. ry of Low-income Students Literature 4. Frenette M. & Robson, J. , (2011). Financial Literary of Low-income Students Literature 5. implications for financial education. Business Economics, 35-44. 6. Lusardi, A. (2009). Financial literacy, retirement planning, and retirement wellbeing Lessons 7. Lusardi, A. (Jan 2007). Financial literacy and retirement preparedness Evidence and 8. Lusardi, Annamaria, and Olivia S. Mitchell, 2006. Financial Literacy and Planning Implications for Retirement Wellbeing. Pension Research Council Working Paper No. 1. viewed December 28, 2012. 9. Lusardi, Annamaria, and Peter Tufano. 2009. Debt Literacy, Financial Experiences, and Overindebtedness. NBER Working Paper n. 14808. 10. Stone, G. (2004, June). Loma. Retrieved July 17, 2009, from www. loma. org 11. Tankha. A. 2011. Financial literacy concept and its importance in India. Vol. 2 Issue 4, April 2012, ISSN 2249 7323 12. Worthington, AC, Pr edicting financial literacy in Australia, Financial Services Review, 15(1), Spring 2006, 59-79. 13. www. commbank. com. au 14. www. worldbank. org 15. www. financiallit. org 16. www. aauw-ca. org

Characterization in Pride and Prejudice Essay

Austen usu all toldy presents her characters dramatically through their conversation, swear outs and letters. Darcy and Wickham, Lydia and Caroline be much revealed through their actions, dapple collins and Lydia are revealed through their letters. A direct comment is sometimes added. The mean understanding of Mrs. Bennet and the sarcastic humour of Mr. Bennet have already been revealed in their dialogues before the direct comment of the novelist. Similarly before she tells us about Mr. Collins, we have already become aware from his letter that he is not a sensible man.Though Jane Austen does not conceive her characters in pairs yet her characters are revealed through comparison and contrast with others. Lady Catherine and Mrs. Bennet balance each(prenominal) other in their vulgarity and match-making drills. Wickham serves a contrast to Darcy while Bingley is a foil to him. Elizabeths is compared and contrasted with Jane and Caroline Bingley.Austen builds character through piling an infinite successiveness of minute expound about them. In Pride and Prejudice, the Elizabeth-Darcy relationship is traced through minute details, details which look trivial and insignificant in the head start instance but whose significance is realized only after reading the novel. Austen is a great realist in art. She studies her characters kindly but objectively. She is constant in providing details about their outlook, attitude, manner and accomplishments.Jane Austens minor figures are flat. They do not grow and are fully developed when we first meet them. As the action progresses our first impressions of them get confirmed. Mrs. Bennet seems to be stupefied and vulgar right from the first scene. Her appearance at the Netherfield Park or her reaction to Lydias elopement confirms her stupidity and vulgarity. This is true of almost all of her minor figures.But her major characters are ever changing, ever growing. Usually self-deceived in initial stages, they are capable of u nderstanding, process and maturity. They are complex, dynamic and intricate. Her heroines, blinded by ego, vanity or over-confidence, commit gross errors and suffer bitter reverses. But by virtue of their insight they are gradually disillusioned and, thus, grow.Minor or major all characters created by Jane Austen may be described as round inasmuch as they are all three-dimensional.Thus touched by the magic wand of Jane Austens art, even the fool and bore of real life became amusing figures. The pompous stupidity of Mrs. Collins and the absurdity and vulgarity of Mrs. Bennet should in real life, prove as irritating to us as to Elizabeth and Darcy. But even these characters become such a rich source of mirth and entertainment.

A Review of “Todo Sobre Mi Madre (All About My Mother)” Essay

The Spanish culture has been known for its masculinity. Bullfighters, soccer players, and different manly figures argon often associated with the image of the Spanish culture. They had even introduced the word machismo to the English wording. One depiction provides us a slice of the Spanish culture Todo Sobre Mi Madre (All About My M another(prenominal)), a hit indite and directed by Pedro Almod volt-ampere. The film had received a wide reception both in Spain and other parts of the world. The film Todo Sobre Mi Madre (All About My Mother) talks about an issue that is very r arly associated with the Spanish culture Womanhood. The story was basically about Manuelas search for the father of her dead son, Esteban. Manuela did not manifest her son anything about his real father, she only told her that he was already dead long in the beginning he was born. However, Esteban wanted to know his father better than her mothers one-sentence description. As the driving conflict of the stor y, Esteban died and his notebook computer revealed that he desired to know his father. It would be revealed that Estebans real father was a prostitute transvestite with the name Lola. The search for the man named Lola had set Manuelas life in a rollercoaster ride abundant of unpredictable turns and loops. During the course of the search, Manuela meets colorful people that would reach her realize that life is still worth living. Almod volt-amperes plot could be described as unpredictable, which gives the film realism. Conflicts be introduced one after another, and at some points intertwined. The camera work was executed with high regard to modern aesthetics.The characters were beautifully designed, some so realistic but most are certainly peculiar. Manuelas search for Lola had led her back to the subsurface world of Barcelona, where transvestites were not an uncommon. The underground version of Barcelona is certainly a visual treat to the audience to an unknown yet colorful wor ld. There, Manuela meets up with old friends, like Agrado, and some naked as a jaybird ones. In addition, through those new relationships, Manuela had somehow managed to heal a portion of the wound inflicted by the death of her son. The films play up of womanhood in the Spanish context is admirable. From the title alone, All About My Mother, the audience are immediately notified that this would be a story about a woman. Even the name of the protagonist Manuela, purportedly derived from a mans name Manuel, suggests that this film would talk about womanhood. But the most arouse aspect of the film is the inclusion of a transvestite. It would be helpful to reiterate that the Spanish culture takes presumption on its oozing masculinity. However, womanhood was not entirely glorified by the film. It seems that the film had utilized a negative and rather offensive stereotype to women. In the initial part of the story, Manuela had told Esteban that his father had died long before he was born. It would not take long that the audience would discover that Manuela is telling a lie. There are other points within the narrative that a woman (and the woman-like) would tell lies. It seems that Almodvar is public debate that Spanish women make lies, not because there is a lack of morals, but for the benefit of others, much like a snow-clad lie. Manuela did not inform Esteban about the unconventional truth about his father, supposedly to protect her son from the implications of having a transvestite for a father. Almodvars casting of a woman protagonist and transsexual males could be interpreted as a social satire, but if we try to analyze the intention behind the film, we are likely to arrive at a positive note. Todo Sobre Mi Madre (All About My Mother) becomes a representative for the Spanish culture. Other cultures who would watch the film would realize that the Spanish community is not all about machismo. The film somewhat deconstructs the stereotyped image of the Spani sh culture as being male-dominated. The film is seemingly arguing that the Spanish women are just as interesting as Spanish men. All in all, Almodvars Todo Sobre Mi Madre (All About My Mother) shares the culture of the Spaniards in a new yet more vibrant light. The English subtitles are really helpful for those without a background on the Spanish language. However, the original language should be preserved for the audience to have a distinct Spanish experience.BibliographyALMODVAR, P. (1999) Todo Sobre Mi Madre (All About My Mother)

Negative Effects of Privatizing Social Security

Bush political sciences continuous emphasis on the issue of privatization of social pledge services has generated much chew in the recent years. Many a social security scholars and workers take into account its bad effectuate on the socio-cultural sector and economic domain of United States rather than eulogizing it. They put forward many controvert effects of this privatization of social security. One of the prime electronegative effects is that a brass that is carved unwrap to offer benefits to employees and their kin upon retirement, disability, or bereavement is going to be treated like a commodity.It is a public service and is non a commercial service. From the very start of social security system in 1935, the design was based on the basis principle that magnitude of the fee package would depend on the income of employees over their professional time span. Contrary to this, Bush administrations new privatized security system would take into account the amount of funds that a worker would invest in his or her own personal account. Ultimately, this will lower the magnitude of benefit and there would be a dandy uncertainty on the part of the workers about their investments, margin over investments and remuneration. This would not only result into socio-economic maladies for their unless psychological and mental health of the workers would be in danger too.Some scholars are of the view that roll of return calculations, made by the proponents of privatized social security overlook the value of Social aegiss insurance protections. So privatization of Social Security would divert the money that is currently used to finance existing insurance program into investment accounts (this proposed to be created for each worker). So from what sources this amount, that is being used to carry on current payments to recipients of a variety of Social Security insurance and other benefits, will be collected?It would generate a apparent movement and effect phenome non. For example Treasury of States have to borrow huge amounts from the private sectors and other pecuniary institutes instantaneously in order to pay the insurance and other retirement benefits to the already retired and/or their families. This would cause negative impact on the national economy and federal deficit would go up. National economy would decline and it will effect the long-tern economic development.Another negative impact of the privatization of social security is that remuneration on the finances of workers through individual accounts would be totally dependent on the market trends. what is more scholars argue that individual investors are more prone to perform badly in the market than joint investments. In the above case brokerage houses, banks and mutual funds would be beneficial.Social Security programs does not take into account the gender differences and its patterns and procedures treat men and women on equal terms, But is a biological and cultural truth tha t women get the worst provided by the social security. So in this way, she will be the most hard-hit in the privatization process of social security. Caroll L. Estes as early as 2004 take into consideration the negative impact of privatization of Social security and saysNegative effects are particularly harsh for those older women who do not conform to the model of family status as married with male breadwinner and for those already disadvantaged by race, ethnicity, and class. (Estes, 2004)ReferencesAnrig Grig, Jr., Wasow, Bernard. Twelve Reasons Why Privatizing Social Security is aBad Idea. The Century Foundation. 2004. Available onlinehttp//www.socsec.org/publications.asp?pubid=503Estes, Caroll L. Social Security privatization and older women A feminist politicaleconomy perspective. ledger of Aging Studies. Vol.18. No. February 2004,Pages 9-26Feldstein, Martin. Privatizing Social Security. Journal of Economic Literature, Vol. 37,No. 2 (Jun., 1999), pp. 685-686

Pepsico Restaurants Case

MGM 399 130-250 PepsiCos Restaurants PepsiCo started off being a passive company, only when later took a more aggressive stance into acquiring key figures like Frito Lay, Pizza Hut, and KFC. The wit CEO Calloway orchestrated unique mindsets indoors each business, and also learned through experience (buying a bakery that failed). Calloway has a standoff of success but now faces another important decision Should he acquire Carts of Colorado? I believe this decision does pack some issues and some risk, however general the benefits might outweigh the problems.If PepsiCo has the right managerial experience and finances Calloway might want to acquire or at least do business with COC. As stated in the fountain PepsiCo has many competitors in the eatery industriousness. The primary reason for acquiring COC is to give PepsiCo a larger advantage over their competitors and notice sustainable growth. One way these carts can be of great value is their accessibility. Having a low appeal m obile service has great benefits.You can read also Classifications of RestaurantsAn example of mobility might be in an amusement park, or a populated city. Another advantage towards acquiring COC might be reluctant integrating. If the carts are doing well other companies might want to buy carts from PepsiCo. A costly venture within the carts is technology. Research and development might be costly in the beginning stages. Management has to be economic and up to date just as it would be in a restaurant. According to PepsiCos Foodservice tax revenue of $250 billion 25% of that is from Quick Service.From the expertise with quick service, this should be implemented to increase revenue with the COC. From the case COC was technically bankrupt, and owed $1. 25 million. Pizza Hut helped to keep COC in business. PepsiCo has the capabilities that COC did not have in stray to achieve sustainability. PepsiCo analyzed COC as not being the lowest-cost cart and kiosk manufacturer. They also ev aluated its engineering and visualise to be around 18 months ahead of its competitors. This can be very attractive looking at the short term.Maintaining the agonistical advantage in technology can be costly, especially since PepsiCo does not have much experience in this field. If PepsiCo acquires COC they would have to invest in technology which could be too expensive. The low recommendation is getting the carts or kiosks in the best location possible according to demographics and population. Backward integration may be possible protrude the road, but can also oppose a flagellum by giving competitors some market share. The main risk factor or issue down the road might be the technological aspect.I would suggest hiring managers that have mixed expertise with engineering/design, and with restaurant management skills. PepsiCo can definitely use their success in the quick service business. By employ similar standards as they did with Taco Bell, Pizza Hut, and KFC can be very helpf ul in night club to reach their growth goals. The low cost of the carts/kiosks may be one of the more attractive incentives. My boilers suit decision is to not acquire COC, but come up with some kind of an agreement/ induce to do business with them.The main reason for not acquiring COC is PepsiCo would have to invest a lot in resources that deal with technology/R&D. I think it is too risky to get knotted in areas where you do not have the correct resources/capabilities to maintain net gains. After a a few(prenominal) years the competitors would have the same machines and loss could be evident. COC can provide a temporary competitive advantage. By just doing business with COC this can secure a competitive advantage in the industry for snacks/beverages/food at a low risk.

Boutique Owner- Career Report

speed of a dress shop is classified in the class of small business venture in flair patience, and it is a dream to many people. The desire by many people to operate a dress shop is motivated by the capability of individuals to apply managerial skills in operating small businesses. In addition, this is a very lucrative industry cap sufficient of bringing in a well behaved income. How eer, commission of a boutique business is not that easy due to the need of being up to date with ever changing vogues and tastes of customers.One main challenge is developing mission and vision statements in addition to application of good leaders and managerial skills. These factors support the fact that most of the accomplished boutique owners ar people who are successful in the field of managing small businesses. This is achieved done application of personal traits such as determination, self-importance driven motive, and enterprenual skills, basic of mean, management, and organizational skil ls. As a matter of fact, boutique business is a colonial line of business where total management skills are required.In-depth familiarity on the running of the boutique and fashion statistics is very useful to any owner in order to make a meaningful progress. boutique as a career requires the owner to employ other people who are capable and able to manage the business accordingly (White & Griffiths, 16). It also requires that the employees to perform their boutique work according to their past knowledge and experience. Therefore, workers or employees who have knowledge on the tactics that lead to improved performance play a very big role in operations of a boutique as a career. EducationAs a boutique owner it requires you to look for employees with knowledge as well as the skills of a boutique. Owning a boutique is not simple because wholeness is required to have a substantial amount of start-up capital. This may stick one to get a bank loan which should be paid regardless of w hether the business succeeds or not. The failure or success depends on the management style of the owner. It is true to say that one git know the fate of a boutique business within the first few months or years. However, at the beginning losses are very high because of the sign investments and also extra expenditures of acquiring initial stock.At this early stage, one is expected to maintain high expectation through management of the losses as you focus on the profits generated in each transaction. But this only lasts for a period of sequence because once the business has stabilized, the expenditures becomes minimal creating a good source of income for the owner. Therefore, for a person to own a boutique future expectation that is the mission and the vision will be required. Managerial knowledge and the leadership of the employees is also another factor that determines the performance of the boutique.Owning a boutique needfully a person who is circulate minded in matters pertai ning to ideas regarding different boutique issues. The business requires a well motivated individual who base use the combination of savoir-faire business skills and in depth the knowledge of the fashion retail industry to make profit. It requires a person to have the exact knowledge that is needed to ensure that a boutique is well managed. It needs leadership skills and management skills for a nice and effective boutique to be effective, planning should also be effective.dress shop deals with a wide place of fashion products for example sportswear, beachwear, novelty items, shoes, handbags accessories, and watches. In my case, a combination of the accessories and the novelty items, watches, shoes, handbags make my career as an owner of a boutique. Training This business requires one to have an education background which is specific on the knowledge of issues relating to fashion. One is required to have a Bachelor Degree in Business Administration Fashion Retailing or Marketing as well as management is of essence when operating a boutique.Masters in Business Administration is an added good since it attracts investors in form of partners as they may have a greater trust in your management capability. Experience also applies in addition to the education background. This includes an extensive experience in fashion retail industry in a variety of positions from different levels of retail sales associated with exact experiences as a retail store manager. In boutique ownership career, risk taking personality is very chief(prenominal) and solid business backgrounds such as marketing, accounting, sales, management and knowledge of the fashion are critical requirements.Other distinguished requirements in connection with retail market place including trends and forecasts, flexible multitasking capabilities, excellent time management and colloquy skills in depth are important (Style career). Training focuses on the management and leadership qualities required in op erations of the boutique. Tactics on customer response is also important during the training the trainees are provided with a wide range of knowledge of handling different positions in the boutique business.Salary range My salary range is $100,000-$150,000 pa. The range is however not fixed as it can fluctuate depending on the level of profitability. organism a fashion industry, the knowledge of current trends in the market will promise one an upper limit income. Future trends Many successful businesses start small and build up to larger ones through expansion. Being a small business owner has been my dream for me. I do not wo why I chose a boutique business as my career since I have seen fruits of my labor.I am looking forward to building a large business empire by opening up boutique outlets which are at the proximity of my customers. I will even remain sensitive to the needs of my customers in addition to allowing them to make requests for the kind of products they would like m e to stock for them. This I believe will achieve me a mileage ahead of my competitors. Works Cited Style career, Breaking Into and Succeeding as a Boutique Owner. Viewed on 11 July 2010 from http//www. stylecareer. com/boutique. shtml White, N and Griffiths, I. The Fashion Busines

Speech on Beauty Myths

The great philosopher Confucius once said, everything has violator, exactly non everyone sees it moreover why? Why do we not both see the debaucher surround us? Why is outward appearance so important? Why are our heads filled with beauty myths? Beauty myths are beliefs about qualities, which constitute beauty or attractiveness. We tend to think of our attraction toward authorized physical qualities to be natural but they are influencet proven by the conceptions of beauty varying mingled with finiss and across time, with media to blame.As society we assume that images we see in media that are highlighted and ballpark are beautiful such as the tall, skinny, preeminenced, flawless models why else would they put them there? If a certain characteristic isnt common in media then it cant be beautiful. Media teaches us what beauty supposedly is and closes our eyes to beauty not physically shown. There are 3 main functions of media to provide news and information, entertain and educate. before long our society depends on the media for information and communication and as part of our daily routine.Most of the decisions we make are establish on what we know as fact our assumptions and our experiences such as work where we know what to do because we gift studied it and from our own experiences however in routine life and household chores we rely on media to economize us updated on news and facts, on what is important and what we need in order to get through with(predicate) our day and be accepted in society. We put so much trust in media but by doing so are we putting ourselves in harms way? On average a soul is exposed to over 1,500 advertisements a day. 1,500 ads we are led to believe are factual and real because we maintain put so much trust in the media.We start to believe that we need that cream to afford flawless skin like that miss in the ad and we need that perfume to be as amazing as the next Marc Jacobs model. But the fact is that 100% of ph otos in professional magazines wipe out been retouched whether by changing the lighting in order to improve the quality and definitions of models or even giving a model a whole new head. What we see is not reality. Beauty is something that is visualiseed at differently throughout the world for example if you look at the culture of Australians compared to the cultures of Saharan people there are enormous differences in their psychels throughout.Each has its own concept of ideal beauty. Some things that come to mind would be weight, fashion, and tone of skin. Though each culture has its own specific parts and body shapes they prefer its like we have been trained to think a certain way from a young age all pertaining to which culture we are apart of. Research shows that some Asian woman aft(prenominal) moving to Australia take on body image and dieting not common in their own countries. Media has people changing themselves and their idea of beauty in order to fit in. Not only has the media an effect on beauty across nations but also across time.From corsets to bikinis, from fair skinned and voluptuous to tanned and toned and frightfully frail. Our scholarship of beauty is learnt and changes due to what we see in the media and shown as fashionable but is media changing this for the better? 20 years ago models weighed 6% less than the average woman now models weigh a huge 23% less than the average woman with only 5% of woman actually able to puzzle this weight naturally. How is this positively effecting woman and young girls? Its not. 45% of woman that are a perfectly cerebration(a) weight think they are overweight and 20% of woman that are underweight are dieting.Media is cleansing us with these perceptions of beauty and its taking over our minds, our office to perceive what is right and healthy and the ability to say, No, how I am is fine. Everyone is different. Our idea of perfection and absolute beauty that we learn and which is portrayed in magazin es and advertisements is generally unattainable but we still strive to look like these people that only 5% of our society actually look like. This small minority is said to be beautiful by the media release the rest of us in shame of how we look because we cant be beautiful if we dont look like them.Isnt true beauty found on the inside you could be the intimately beautiful girl in the world according to the beauty media teaches us but if you are the nastiest more or less wicked girl as well are you still beautiful? We are all thinking no but if you saw this person I bet we would be jealous of her we would want to look like her and be as beautiful as her thats disheartening that the most wicked girl can still be classed as beautiful. This is what media is teaching us about beauty that it is all about the outside and nothing to do with our nature and personality. Though we are taught what beauty is research has been do to show that humans are attracted to people with more symmetry features and that this something that we are born(p) with not that we learn so the media is not solely responsible for beauty myths. Woman being attracted to masculine men is something that goes top to to medieval times where the more masculine the man the more strength and ability to look after and protect a family males are attracted to young woman as they show fertility and as a reproducing species this is important as older woman are unable to conceive.There has been research to show we are born attracted to certain features but majority are still learnt as we grow up in a certain society. Media should portray fact not transform reality so that beauty is categorized. Do this by portraying models realistically, all different shapes and sizes cultures and races so that our perception of beauty isnt all the same and wake that differences are beautiful and stopping the beauty myth that what we perceive physically attractive and beautiful is not natural its learnt.

Filing Jointly Financing phase 5 IP Final Essay

Filing together with Financing phase 5 IP Final - Essay ExampleIt is only applicable for startle and second home, not for afterwards. The levy benefit from this deduction is that if one is paying interest on loans which be secured by their residence as principal, then(prenominal) the person can deduct this expense from the taxable income.3. school pip-squeak Loan Interest Deduction student loan deduction covers the interest expense of the loans that have been fetching to be only used for attainment of reading. If your income and interest payments meet the conditions set in the deduction form, then you are able to deduct the expense form your income, thus saving a certain criterion of taxes.1. Child Credit youngster identification reduces the tax liability of a person if he/she is load-bearing(a) a child, and the persons income and other indispensabilitys as given in the child credit form are fulfilled. The child credit can make the tax liability zero or can regular(a) effect in payment if the income tax is less than the child credit refund (known as additional child tax credit). The tax advantage for this system is that it works to increase your net income through refund gained.2. gain Income Credit earned income credit is for those families who have low unprocessed incomes (lower than a certain limit), and with a juicy number of dependents. If a family meets the requirements of this credit, than its tax liability can be reduced to zero, or can even result in a payment to the family if the tax refund s larger than the income tax (known as advanced earned income tax credit). This system also increases your net income.3. Hope Scholarship Credit bank credit can be claimed by an individual for the first both years of college education. The requirements that the person or any other person (for which the taxpayer is responsible) is at least a half time student at an eligible educational institution. This credit is taken on only tuition fees and any other college requirement fees (registration fees, lab fees etc.). Books and supplies are not included. This tax credit also increases the net income of the person who is paying for the education (tax information for individuals, 2009).Difference between a Tax Credit and a Tax DeductionA tax deduction has the primary purpose of reducing a taxpayers income tax. For certain itemized item, a taxpayer is allowed to deduct the expenses from its gross income. This can only be done if the requirements of deductions as stated by the Internal Revenue table service of USA are met. The effect of deducting the expenses from the gross income is that the net income is calculated to be mush smaller than it really is. This allows for smaller amount of income tax to be paid by the taxpayer. Thus the amount of taxes is reduced. Some examples of tax deduction are medical deduction, home interest deduction, dental deduction etc.As fence to tax deduction, a tax credit does not reduce the net income. Rather, it works in two ways. One, it reduces the tax liability on certain items by recognizing a part of the payment already make as tax payment due. Two, it recognizes certain items as such on which the taxpayer is refunded, if the requirement of tax credit are met by the taxpayer. If the income tax is greater than the tax