Relationships Between Grandparents and Grandchildren Essay

The relationships between grandparents and grandchildren vary within every family. Some families develop strong relationships with their grandchildren, while others are seemingly unrecognized by one another. For this interview, I was hoping to come into contact with an individual who has maintained a healthy relationship with his or her descendants. Originally I was going to interview someone outside of my family; however, I realized that if I were to interview my own grandmother, I could demonstrate two different perspectives of the grandparent-grandchild relationship, hers and mine. I chose to conduct an interview with my grandmother (maternal) whom is an 82-year-old Hispanic woman who primarily speaks Spanish. She was born in Texas in 1931 and currently resides at this location. Her socioeconomic status is middle class. My grandmother is a widow. Her husband passed away 10 years ago this month. She is currently unemployed, and resides in the same home that she shared with her husband and children. She has seven children (six females; one male), eleven grandchildren (five females; six males), seven great grandchildren (two females; five males), and one great-great grandchild (female). Considering that my grandmother is the first generation, there are still five active generations on the maternal side of my family. I would have liked to talk about my grandmother’s relationship with the fourth and fifth generations of my family, but they presently live in Georgia and unfortunately there is not much contact between them. The only child currently in the fifth generation, her great-great granddaughter, still has not met the first generation because they live so far apart from each other. Thankfully, due to technological advancements in communication, my grandmother has been able to see pictures and videos of all the family members from all generations. In the interview, I asked her how she would describe her current relationship with her grandchildren. As expected, she said that her relationship with all of her grandchildren was great and there were no problems with any of them. Uncertain about the sincerity of her answer, I then rephrased the question to ask her how she felt about each individual relationship with her grandchildren. I made a list of all her grandchildren and asked her to talk about each one. What I was able to draw from all the individual relationships was that she is proud of all her grandchildren regarding their accomplishments thus far. She did reveal some regretful elements that she has experienced as a grandmother to such a large family. She stated that she is sad that she does not get the opportunity to see or talk to many of her grandchildren as often as she would like. She only has the chance to interact with some of them during special occasions such as Christmas, Thanksgiving, New Years, and other major holidays. Even then, not all of the grandchildren are able to attend those events because the majority of them are already adults and have their own lives and responsibilities that seem to have become priority over family festivities. Another one of my grandmother’s concerns is that not all of her grandchildren are able to communicate with her effectively, because there is a slight language barrier. Although she understands English fairly well and can interpret what her grandchildren are expressing to her, she is unable to speak the language correctly when she is responding to them. Regretfully, many of her grandchildren are not fluent in the Spanish language. She expresses that the reason for this is due to the fact that Spanish is not taught to children while they attend school which never influenced them to learn. Furthermore, since my grandmother has never been employed throughout her life and instead opted to be a housewife, she never felt the need to drive. Since my grandmother never learned how to drive, she never obtained a driver’s license. I asked her what her primary mode of transportation is and she said that one of the perks to having so many grandchildren is that nowadays children learn how to operate a vehicle at an early age. She only has a few grandchildren that live nearby but she is able to get a ride from them to take her to any appointments she may have or to just run errands. Originally her husband would drive her wherever she needed to go but by now he would be about 88 years old. She manages to maintain a strong relationship with one of her granddaughters in particular. Her youngest daughter, along with her granddaughter, currently lives within her household. This would typically make it much easier for her to keep a healthy relationship with her granddaughter who is approximately twelve years old, but her daughter that is 39 years old, went through a divorce about 5 years ago and is currently diagnosed with schizophrenia. Both my grandmother and my cousin must support my aunt with her mental disability. Regretfully, this is taking a toll on everyone in the household. While I was listening to her speak about the situation, I was able to add a follow-up question regarding how the current situation has affected her relationship with her granddaughter. She expressed that the situation has impaired relationships between herself, her daughter, and her granddaughter. She continued talking about how her daughter randomly goes through behavioral outbursts and it is incredibly difficult to calm her down and at times. Sometimes situations can escalate to a point where she and her granddaughter have no choice but to call the authorities because her daughter can be a potential threat to herself or others. My grandmother and her granddaughter work together to keep everything in the household running smoothly but there are times that the tension is too great between everyone in the household. I wanted to go a little more in depth on her thoughts about her daughters divorce and how she feels it affected her relationship with her granddaughter. She said that because of the divorce, she can now have her daughter and granddaughter closer. She was naturally sad that her daughter’s marriage ended in divorce but since her daughter and granddaughter used to live in San Antonio, she didn’t get to see them very often. She enjoys being around her granddaughter all the time and it wouldn’t have been possible if it weren’t for the divorce. I believe my grandmother was very lucky that her daughter is the one that maintained custody over the father. â€Å"A divorce may strengthen bonds between the grandparent and grandchild; especially when grandparents become more involved with caring for their grandchildren. In cases where contact between grandparents and grandchildren decreases or ends, the result can be traumatic and painful for all concerned. (Milne). I then proceeded to ask her about what kind of activities she participates in with her granddaughter. My grandmother takes the time to sit with her granddaughter and talk about school related things, watch movies together, and share ideas & concepts on things that her granddaughter should paint. As I got to this point into the interview and I asked so much about the grandparent-grandchild relationship, I was curious what my grandmother ’s perspective was on being more of a parent than a grandparent. My grandmother feels that she has to be more of a parent to her granddaughter due the fact that her daughter has schizophrenia. She tries her hardest to help her granddaughter with homework and advice but she feels that there are still a lot of things that she cannot do on behalf of her daughter. My final question was based off of one of the chapters that I read in the class assigned textbook. â€Å"Grandchildren whose parents had poor relationships with their own parents saw their grandparents less often and rated the quality of the relationship lower than those whose parents recalled caring relationships. (Quadagno, 2011). With that in mind, I asked if she felt that her granddaughter’s relationship with her was affected by her daughter’s relationship with her. I gave an example such as, â€Å"If your daughter was close to you, then that would make your granddaughter close to you also, and vice versa. † She told me that when her daughter first moved back home, she was still very upset with the divorce and she would lash out at everyone. My grandmother said that since her daughter would treat her badly, her granddaughter wouldn’t have as much respect for her. It took about a year until her granddaughter began to realize that there was something wrong with her mom and began to get closer to her grandmother for comfort and support with handling her mother with schizophrenia. After talking to my grandmother about her perspective on this grandparent-grandchild relationship, I couldn’t help but feel as if she was not being completely truthful with all her answers. I read in an article in USA Today, â€Å"Grandparents may feel that they themselves have failed as parents. They may feel a sense of shame and worry that it says something about the parenting of that (adult) child. â€Å"(Facciolo, 2012). I would have liked to go into more detail regarding her thoughts on her daughters divorce, and how she really feels about it. I believe if I were to have gone too much in depth she would have gotten slightly upset because there are a lot more factors regarding her situation at home. Overall, it was interesting getting insight on the grandparent-grandchild relationship which I never really gave too much thought on.

The Post Human Architectural Body

The PostHuman Architectural Body Visible Hope for the Invisible Re-birth This pronunciamento is a verbal articulation of the airy theory of how the human organic structure, architecture, and creativeness define and prolong one another: It’s an analysis of this radical work by creative persons and designers who want to show the inter-connectedness of advanced architectural design, the poetic procedure, and their philosophical enquiry. It’s the relationship between architecture and the human organic structure. It’s the development of the analogy of the human organic structure and its extrapolation. By prosecuting with the station homo we are constructing on the cardinal measure based on architecture and theory, we are making this analogy between the human organic structure and the architectural being. Some may inquire â€Å"Why is the human organic structure so of import as a mention and a criterion for architecture? † Because the human organic structure it is meant to be a creative activity coming out of imitation of God. The perfect proportions and dimensions should be the contemplation of God’s perfectionism. Perfection of creative activity, flawlessness of nature. Worlds aim is to go such a Godhead as good, as perfect, as God. We might no longer mention to god when it comes to the human organic structure, and at the same clip the architectural organic structure itself, but we still refer to nature, because seemingly worlds can non make something from abrasion, so we use nature, as we still believe that there is batch to larn from naturel. To understand the mechanics of nature, how flowers, organic structures, animate beings work. Nature is still there for us as a large criterion for us to copy to imitate, to larn from, ever through scientific find. Even though th e concluding purpose as human existences is to get the better of nature, we ever base what we do or larn upon nature. We start from this analogy, from the flawlessness of the organic structure as an being and hence the flawlessness of architecture as a contemplation of this relationship to discourse how this relationship is disrupted. In the first topographic point because of the organic structure is disrupted through something occurrence, in this instance through technology’s abuse and maltreatment. What it implied in this undertaking is that in first topographic point the merchandise from now on is non good. Although the thought was that engineering was supposed to supply a merchandise that’s perfect, now we come to see that it’s non. We deconstructed the thought of advancement to see what is incorrect with this advancement. How advancement is impacting back the flawlessness of the organic structure or is impacting back this analogy of the organic structure and architecture? The â€Å"Post human† is about this analysis. Deconstructing the thought of ruling the universe through the thought of eternal additive patterned advance towards the hereafter, because it’s already change by reversaling upon itself. Puting into inquiry even the really rudimentss in architecture which is the analogy of the organic structure. The edifice is supposed to be a perfect integrating of circulation and map. If we are non perfect so why should we construct perfect edifices, perfect universes, for what? For perfect human existences that DO NOT exists? Possibly we need an imperfect universe to suit the imperfectness of what we going to be. These are the philosophical deductions discussed, researched and analyzed within this thesis undertaking. A cogent evidence that architecture is non merely a precipitate of applications taken from another field, but an rational subject look intoing the really kernel of human existences. Who we are, what we will go. Thehistory of architecturetraces the alterations inarchitecturethrough assorted traditions, parts, overarching stylistic tendencies, and day of the months. Time periods and manners flow together, sometimes unifying contradictory thoughts, sometimes contriving new attacks, and frequently re-awakening and re-inventing older motions. Dates are ever approximative: Architecture is a unstable art. Analyzing architecture requires a comprehensive position of the edifice, which is analyzing its historical, spiritual, societal, and functional facets ; for beyond utile intents the building of edifices reflects the scientific, spiritual, societal and philosophical worldview of each period. This is merely an branch of the doctrine of the times, which believed that scientific discipline would repair all the wrongs of the universe. The modern motion celebrated these new engineerings, stressing the simpleness, efficiency and velocity of them. There is ever more information about modern-day civilizations and architectural manners than historical 1s, nevertheless, without critical clip to distance oneself from the present province of personal businesss it is ever difficult to state what the nature of the present truly is. As such, it is of import to maintain an unfastened head – peculiarly about recent developments – and ever see the possibility of radically different hereafter positions. A repetition phenomenon in the history of architecture every bit good as in the history of art is the oscillation between antonyms: betweenrationalismand emotion, the imitation of nature and its absence, ornament andpure signifiers. The intent is to interrupt the built-in structural association among degrees of senses in the organic structure, to foreground the basic function of â€Å" organic structure † in acknowledgment of the universe, and to supply a theoretical footing for the displacement of focal point in architecture from the anomic position of pure ocular public presentation to human organic structure ‘s experiences. Furthermore, it besides opens up a new skyline for the invention with mention to the organic structure ‘s experiences and alterations. This normative organic structure is non an ideal organic structure based on T aesthetic merely values as it does non qualify anybody’s specific organic structure but to a certain extent composes an unapproachable province of regularity. Architecture it is measured within the instant frame of human patterned advance and, it is designed in order to pull strings such an development. In fact, the normative doctrine by taking an idyllic organic structure as an illustration, opposes the thought of the human development. This is precisely where the Post human organic structure comes into treatment, as the following measure of development. Posthuman epoch is already upon us, we are cyborgs: â€Å"not in the simply superficial sense of uniting flesh and wires, but in the more profound sense of being human-technology symbiots: thought and concluding systems whose heads and egos are spread across biological encephalon and non-biological systems† we will co-evolutionate in a future to a great extent populated with unreal agents. We are on a way to altering our genome in profound ways. Extreme human sweetening could ensue in â€Å"posthuman† manners of being. Posthumanism chiefly differentiates from classical humanitarianism in that it restores the stature that had been made of humanity to one of many natural species. Harmonizing to this claim, worlds have no built-in rights to destruct nature or put themselves above it in ethical considerations a priori. Human cognition is besides reduced to a less controlling place, antecedently seen as the specifying facet of the universe. The restrictions and fallibility of human intelligence are confessed, even though it does non connote abandoning the rational tradition of humanitarianism. Posthumanism has a much stronger critical border trying to develop through enactment new apprehensions of the ego and other, kernel, consciousness, intelligence, ground, bureau, familiarity, life, incarnation, individuality and the organic structure. The undertaking seeks to inquiry and research the function of the physical built environment as we move towards what is likely to go an progressively non-physical age. The undertaking explores the relationship between our architectural environments and the dichotomy of the head and organic structure that experiences them ; a inquiry which is peculiarly pertinent in the current epoch where we already inhabit multiple worlds and project our sense of ego into practical environments ; busying multiple locations at the same time through disembodied presence. The end is making a new and better universe through a centrally imposed vision. The human desire to get new capacities is every bit ancient as our species itself. We have ever sought to spread out the boundaries of our being, be it socially, geographically, or mentally. There is a inclination in at least some persons ever to seek for a manner around every obstruction and restriction to human life and felicity. The architecture that we besides consume in a province of indifference, seldom gives us such esthesiss. We therefore need to bring forth a sort of architecture that forces us non much to look up to it from afar, but instead to be engaged with our organic structures, with all our senses. It could, by ask foring us to allow us travel, take our breath off, ensnare us, and drama with our emotions. More significantly, architecture demands to dispute those who approach the architectural object and are about to entree it non merely through their sight, at a distance, but with their ain organic structure. In the postwar epoch, many optimistic futurists who had become leery of jointly orchestrated societal alteration found a new place for their hopes in scientific and technological advancement. Space travel, medical specialty, and computing machines seemed to offer a way to a better universe. The displacement of attending besides reflected the breathtaking gait of development in these Fieldss. Science had begun to catch up with guess. Writers such as Arthur C. Clarke, Isaac Asimov, Robert Heinlein, and Stanislaw Lem explored how technological development could come to deeply change the human status. Although presently a scientific discipline fiction, we – the human race – are on the cusp of human familial technology. Worlds have altered the genomes of species for 1000s of old ages through unreal choice. Over the past 40 old ages scientists have made astonishing technological advancement to better nature’s harvests and mammals through familial alterations ; but at the same clip the opposite occurred every bit good. This engineering did non merely improved the human race but made it worst or made it different, alteration it To modify nature is our nature. In believing through the development of the undertaking I set up a narrative that ties into future aspirations of the metropolis [ Kiev ] , post-human hereafters, and biotechnical amalgamations. The undertaking is trying to accomplish an architecture which would put on climaxing from the amalgamation of biological science and engineering where body/building and biology/technology prostration. Following the development of the staging and the procedures which would take to its building, the programmatic variety meats will be discussed in more item every bit good as its relationship to the human and ecology. The site becomes a dataspace as information within the bing context near the site is recorded and processed leting simulations to be projected in real-time through the ambiance. The site chosen is Kiev-Ukraine, a site with a strong yesteryear, a site that is presently traveling through war, a site which suffered a batch but still manages to maintain its beauty through its agony. The thought is to go to the hereafter. By holding Post-humanism as methodological analysis and construct, I researched and analyzed a site that experienced radiation onslaughts ( Chernobyl ) and War. How the site got over all these and how it looks now ( even how it will in the hereafter ) with the influence of post-humanity and trans-humanism, but most significantly with the influence of human/technology breaks. As human existences drew farther off from the physical they dropped out for a digitally enhanced being. Bodies become non bred but built. Organs, limbs, and memories all replaced, manipulated and hijacked as they faded. A post-human being will be created as organic structure and civilization no longer are recognizable from their ascendant opposite numbers. As human life is prolonged through the replacing of neglecting organic structure parts, alteration is non optional. Peoples begin to populate above the one time vivacious metropoliss in cods that grew like viruses across the metropolis to maintain up with the demand of those willingly stop uping into a web where they could experience a greater connexion with the multitudes plugged in. My work trades with the Ukrainian human status throughout the epoch of my site and the hunt for the roots of what changes the human status in every human being that lived at that place. To understand that alteration, I had to understand what causes it and accept it. The Post-human Body undertaking starts with one of the smallest elements of the human organic structure ; its Deoxyribonucleic acid and in the concluding chapter it reaches the infinite alteration. I progressively felt like a scientist gazing through his microscope, whizzing in closer and closer to bring out the truth and to understand it. This undertaking is sub-divided into 5 chapters. As mentioned above, the first chapter focuses on the Deoxyribonucleic acid and its familial memory. The latter is linked to our hereditary memory. The experiences and memories of our ascendants are hidden in our Deoxyribonucleic acid and now and so they surface in our dreams and real-life minutes. The 2nd chapter focuses on the great metabolisms. Throughout our lives, from the really get downing until we die, we are exposed to exterior influences that continuously shape us into the human existences we are. Choice is an of import factor here, as we can make up one's mind what is good or evil, on what we expose ourselves and what non ( mentally and physically ) , but our milieus can act upon us and our judgement greatly so the boundary between the two becomes diffuse. The following subdivision, chapter 3, has more focal point on the organic structure as a whole than on its Deoxyribonucleic acid. Basically our physical and mental signifiers are two separate universes that merge in this world. Our organic structures are nil more than bubbles of tegument, musculus, bone, variety meats, blood, DNA, etc. Chapter 3 purposes to research profoundly the organic structure from a bantam cell to the whole mass that makes it a organic structure. The 4th chapter focuses on society and faith. Society plays a major function in how we see world and it transforms and shifts the boundary between alterations in the universe and environment we live within every bit good as frequently overcasting our judgement. Greed and control of the multitudes are evidently powerful enticements. But â€Å" alteration † is non ever acceptable by our society and the faith. What makes an visual aspect, a fragment psyche or organic structure, a changed homo being – accepta ble in a society! Who identifies and controls what the word â€Å" Acceptable † stands for. And in conclusion, in the fifth and concluding chapter, we view the hereafter of the human signifier, from outer infinite. Here I strive to go forth the earthly signifier behind and visualise transcendency into something more abstract and beyond human. Making the new â€Å" alteration † and taking it a measure frontward, for the new universe that is about to populate, for the new universe that needs to accept the new changed beauty. 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Persuasive text analysis - Essay Example argues that it has been a historical fact that privileged groups give up their freedoms voluntarily. Luther uses the argument to show wisdom and societal discrimination against the fewer fortunate groups (Gossen 2). Moreover, he reflects back to the historical instances of injustice as he takes the reader on some of the important aspects that used to happen in the past. Besides, justification of his campaigns in Birmingham develops from the statement as he points out freedom of speech to the oppressed in the society. According to the analysis of the text, not only does Luther outline ideas on how historical perspectives have oppressed the present generation, but also tries to show the evolution in the present times, which how the society should be treated with dignity today. The reply discloses facts on how various public groups need to be given the freedom of expression without the influence of historical ideologies. He affects civic life by inciting them on their rights and privileges that they need to fight for without any fear or favor. Luther, in the letter, proceeds to say that natives have waited for more than 340 years for their God-given and constitutional rights realization. He shows that time has passed for more than enough time for notification of their rights and freedom for them to live freely and peacefully. Consequently, he justifies that their protest was the right thing to get involved in, after the abuse of their rights over so many years. Luther emphasizes on time as a justification for their protest and time as an essence factor for changes within a society (Bella 2). On public disclosure, Luther tries to show more than enough time already given, to make changes, but they have failed in their duties (The editors 2). It forces the protestors to seek for change, without any further push. Therefore, their protest was more than necessary and relevant for them to fight for denied rights, for so many years. The arguments and

Digital Economic Essay Example | Topics and Well Written Essays - 1000 words

Digital Economic - Essay Example It is worthwhile to mention that Internet and mobile devices are two separate entities in this global environment of today. Internet is interconnecting the countries and cultures. On the other hand, mobile devices are providing ease of accessibility. Combining the two technologies is having a drastic effect on today’s business houses and their strategies. While developing a 21st century business strategy, strategists are now trying to focus on the nature and behaviour of target audiences or user groups. Today’s users or potential customers are far more agile, informed, and active across the social networks. Websites like Facebook, Top Ten Reviews, etc. have increased the scope of interaction between users and customers in a drastic manner. In such circumstances, a strategist must think in an innovative way, so that he/she can create a positive impression of his/her company all across the Internet. For example, a company can now develop its own app (a very concise form o f software application). This kind of customised software utilities can be easily installed in mobile devices (e.g. a tab or a smartphone). Then, users can easily try or look into the commodities or facilities that are being provided by the company concerned. Besides, websites like Facebook allow business enterprises to create their dedicated pages for publicity. Now Zara is a big retailer of textile and fashion products, which appears to have diverted from the general course of Internet-based business application development and strategic adjustments. It does limited advertising and propaganda. This policy is maintained across the Internet too. Frequency of online advertisements is considerably controlled by Zara. However, this can be noted as a complex influence of Internet/mobile technologies. Since most of the fashion retailers are now overly emphasising on Internet and mobile technologies, Zara possibly wants to look different and reach its loyal

Three important lessons (PLato's Apology) Essay Example | Topics and Well Written Essays - 500 words

Three important lessons (PLato's Apology) - Essay Example In truth, Socrates was imparting a lesson that was central to his work and to his beliefs. His apology was a lecture on the triumph of knowledge over ignorance and he was beseeching his listeners to discard old and traditional beliefs and embrace modern intellectual development. The background of the Apology is that Socrates is being charged with the corruption of the youth and disrespect towards the Gods. He begins by saying that â€Å"The task is not an easy one; I quite understand the nature of it. And so leaving the event with God, in obedience to the law I will now make my defence.† (Plato, quoted in Biffle, 34) He confronts his accuser Meletus and demonstrates exactly why and how the charges against him are false. However, despite his use of logic to defend himself, he is still found guilty and sentenced to die. It is clear throughout the text that Socrates wants to emphasize that he will counter his accuser’s lies and accusations with wisdom. This is the first lesson: the importance of wisdom. He also wishes to emphasize that it is his wisdom and knowledge that make him persecuted, but this wisdom and knowledge will be of much use to the city of Athens. Therefore, instead of using pathos, or arousing pity, he was appealing to the logic of the crowd. Instead of beseeching the people to spare his life, he reasoned with them – making logical and coherent arguments with the end in view of convincing them that they would be better off with him alive than with him dead. To quote: For if you kill me you will not easily find a successor to me, who, if I may use such a ludicrous figure of speech, am a sort of gadfly, given to the state by God; and the state is a great and noble steed who is tardy in his motions owing to his very size, and requires to be stirred into life. I am that gadfly which God has attached to the state, and all day long and in all places am always fastening upon you, arousing and persuading

Risk management at wellfleet bank Essay Example for Free

Risk management at wellfleet bank Essay The 2007-2010 ï ¬ nancial crisis has brought credit risk and default to the forefront of the regulatory and political discussion. This case illustrates risk management in the world of corporate lending which is quite diï ¬â‚¬erent from the retail, subprime, and mortgage lending at the root of the recent banking turmoil. It is also interesting because Wellï ¬â€šeet (actually, Standard Chartered PLC; ticker symbol: STAN) is one of the few banks which successfully weathered the 2007-2009 credit crisis. Chief executive Alastair Dowes has to decide if the risk governance process is adequate to uncover mega-risks in light of the current risk-assessment process and the credit decision regarding a bn loan application. Working for the Chief Credit Oï ¬Æ'cer (CCO) as a senior loan supervisor, you have been asked to assess and review the risks in the proposal and to make a credit recommendation, i.e., whether Wellï ¬â€šeet should accept the loan application or not. At the same time, you are worried about gray-area risk decisions and, in particular, the fact that risk-adjusted performance measurement can rarely be automated. Risk governance requires executives to strike a balance between risk modeling and qualitative business judgment—a holistic (rather than silo-based) view of risks. You are preparing either an executive memo to the CCO and CEO or a presentation to WellFleet’s credit committee. The following questions are meant to guide your analysis: 1. How much credit risk should banks take? What avenues do they have to manage credit risk ex ante and ex post? 2. Research the history of WellFleet = Standard Chartered. How well has Wellï ¬â€šeet performed? Why and how has it avoided major problems in its corporate loan portfolio? Was the bank lucky or smart? 3. Analyze the risk management process at WellFleet Bank. What suggestions might you make to the CEO about improving the process? (a) What are the objectives of loan oï ¬Æ'cers and supervisors, respectively? What about the risk management unit? (b) Are the incentives of line and risk management units aligned? Why or why not? (c) How would you organize origination and risk management activities? 4. What risk factors drive the credit exposure to Gatwick? Analyze what a credit bet on Gatwick really amounts to. (a) Download stock prices for pure gold-mining companies such as Barrick (ticker: ABX) and Newmont (ticker: NEM) as well as a gold prices and the SP 500. Calculate the instantaneous return Rit = ln PPit . it−1 (b) Compute the correlation matrix for the 4 variables. How would you interpret the results? (c) Run a CAPM-type regression of the gold-miner’s return Rit on a constant, the SP 500 return Rmt the gold return Gt by OLS, i.e., estimate the following model: Rit = ÃŽ ± + ÃŽ ²Rmt + ÃŽ ³Gt + ÃŽ µt How would you interpret the results? What does it tell you about the credit exposure? 5. Calculate the Expected Loss, Economic Revenue and Economic Proï ¬ t for both proposals. What would your decision regarding the two credit proposals be? Why? (a) What steps if any could Wellï ¬â€šeet take to reduce its credit exposure to Gatwick? (b) What avenues are open to the bank to manage its credit exposure ex ante (before and in the lending process) and ex post (after the loan went onto its books)? 6. Given Wellï ¬â€šeet’s new focus on large corporate deals and its need to recruit relationship managers from investment banks, what are the challenges for the risk culture of the organization, and its style of risk management in particular?

Social Media Texting And Bad Grammar English Language Essay

Social Media Texting And Bad Grammar English Language Essay LOL and OMG have been the acronyms of the decade becoming a trend in the way people communicate. Social media has expanded so much that people are becoming dependent on the Internet and are creating their own language. Social media is making the generation develop bad grammar. This issue is a problem because it is making society incapable of structuring coherent sentences making the generation dumb. The more hours that are squandered on Facebook, Twitter and other social media outlets, people are spending less time focusing on their education and grammar and the more time is being put into chatting. Social Media and texting is promoting bad grammar because people are adapted to writing slang online and while they text and when they try to write proper, they cannot because they are accustomed to writing colloquially.   Bad grammar has gotten so severe that the news channels have made several appearances talking about Social Media and Bad Grammar. A video that was posted on Channel 19 KYTX that is a local news station in Tyler, Texas that talks about bad  grammar  and how students are trying to use bad grammar not only on Facebook, Twitter and while texting but are trying to use it the classroom in their essays. Living in a Social Media trying to communicate as fast as possible we much keep conversations short, I dont even put periods, question marks or anything. I just type it and go, said Kaylee McPherson. With the generation being based on technology it was bear the happen where people are ending up not just texting in acronyms but also taking them. McPherson states that, Now, they actually start talking it. I hear people talking and Im like you kind of sound dumb. Not only are teenagers using shorthand on scoial media but also in the classroom. Melanie McNeils a High School English teach er says that when she grades papers she sees the lingo in their essays, Ok, this is one I see a lot. B4=before, OMG=oh my, u=you, y=why, said Melanie McNeil. Instead of McNeil giving her students no credit for that type of language used in their essays she also talks to her student about to difference between casual language and academic language and when is it proper to use the two. This Web lingo has increased so much that even the oxford English dictionary has even added the words: Lol, Omg,Tweet, Retweet and even Sext. That there is justification that the world is changing due to Social Media. Ontario Waterloo University in Canada require students to pass and English testing their  English  language skills in order to be accepted into the University and 1/3 are failing and now they are  blaming  social media. Ontario Waterloo is a great example someone trying to do something about the bad grammar problem and thank god it is educational. People should be happy that Univer sities are doing this then maybe at least maybe people will try harder to fix grammar and less on Social Media cites. Bad Grammar and Social Media go hand in hand people are so excited to sent a instant message that they make a shorthand of words and do not use full sentences. This is a server problem that needs to be  addressed  and we need to communicate effectively to change the bad grammar that our generation has developed. Being depend on social media affects one and people stop communicating and it will eventually affect us in the long run when we apply for jobs. Switching from academic to colloquial language is difficult for most getting accustomed to changing the language and it is declining grammar skill. In the article, No LOL matter: Tween texting may lead to poor grammar skills by Pen State Official University News Source this article discuss how  tweens  who are in the age range between nine and fourteen are texting in  acronyms  and according to researches are decline language and   grammar skills(par. 1). Text messaging may be an easy and fast way for one to communicate but according to Drew Cingel who is a Distinguished   Professor of Communications and co-director of the Pen States Media Effects Research Laboratory states that, The use of these shortcuts may hinder a tweens ability to switch between techspeack and normal rules of grammar(par. 5). Teachspeak is when someone uses shortcuts while texting, on a social media site or chatting, such as U for You. Cingel gave middle school children in  Pennsylvania a grammar assessment   test at a 9th grade level to see if everyone up to par she eventually stated after receiving the scores, Overall, there is evidence of a decline in grammar scores based on the number of adaptions in sent text messages(par. 8). The most people text the more they will adapt to that type of style and will not be about to distinguish whether they are writing proper or not. In High School I always experienced teachspeak, when I was in my English class the teacher would tell us to peer review each others essay. I would always notice that in every paper I would peer review I would at least see one or more tachspeak errors where someone would u instead of you .That is why researches have stated that it is affecting childrens  grammar. Some may say that social media has been a way to connect with our lost love ones and some researchers have stated that social media is the downfall of the generation. The Internet is growing rapidly and it and has created many alternative ways from one to get information such as Dictionary.com, where one can look up a definition instead of grabbing a dictionary and instead of reading a book there are books online that you can use on your Ipad or kindle. Social media and texting has have a downfall on our grammar and it is getting harder to multitask. In the article, Yes, People Still Read, But Now Its Social by Steven Johnson it explains how people are reading books on a Kindle but Mr.Carrs who is the author of, The Shallows states, These distraction comes with heavy cost scientific studies show how multitasking harms our concentration(427). Due to social media such as Twitter, Facebook,and YouTube etc. being used all at once people are less likely to be able to focus.  People  w ho multitask more are going to be faced with certain  challenges  in school when they are not able to concentrate in their studies. According to a study they found out that, Heavy multitasking  performed  about about 10 to 20 percent worse on most test than light  multitasking (427). So it is true that Social media is making us dumber, people may read books on Kindle and might be happy that they are reading books but Mr.Carrs concern is that people are not thinking with a high-level mind set and people are reading pages on a screen. I feel like if society is going to depend on the internet eventually people people will stop talking in complete and full sentences and will start using acronyms and that will affect peoples  grammar  when they are trying to write in an educational matter. The statistics for text messages have increased over the years. According to the Chicago Tribute that stated that Pew Research claims, 72% of adults and 87% of teens send and receive text messages(par.2). It is not only the teenagers that are constantly texting but also adults who are texting away. An executive editor of the American Heritage Dictionary named Steve Kleindetr says that when you text you may want to pay close attention to your attention. Kleinder gives us an example, If youre texting a friend who has difficulty with loose grammatical standards, be sure to spell out u (par. 2). This is a great point that Kleinder stated one must always think about the audience if it is either sending a text message or an email. No one will send an email to their boss saying Sup, cant make 2 wrk L8ts and especially if you had a friend who struggles with grammar you would write out everything clearly. Grammar is a huge part of our society and, People will always judge you, so write with that in mind, Kleinedler says. I personally have never wrote in short hand reason being that I struggle in English and I am not a very good speller, and if I were to write colloquialisms I would not help myself. That is why I made a pact with myself to always write in complete sentences if I am either texting on Facebook or Twitter no matter what. This has actually been beneficial to me because I have never written colloquiums in my essays I might still be a bad speller but at least I do not do it on purpose. Our generation will never be the same the Internet will always have some sort of power over us and with the development of technology increasing there is nothing we can do but educate ourselves. Just because everyone is texting and on Facebook sounding illiterate does not mean we have to do it too. We must take a stand and show society that the generation might be powered with technology but we are using it for our education and other beneficial things. Grammar will always be a problem and it can be fixed but with so many Social media outlets using Weblingo there is no way everyone will stop trying to be cool and rebel against it. Some people will not want to do it but they are dumb-ing themselves down. People need to learn how to talk proper and how to communicate instead of through Facebook and over a text. If this issue is not fixed our generation will be destroyed and there will be no way to fix it. Web Cited Austin, Anthony. Special Report: Social Media Bad Grammar. cbs19.tv. Web. 19 Feb. 2013. Hameker, Christian. A Moratorium on Social-Media Grammar?  Rural Telecommunications  31.3 (2012): 8-.  ABI/INFORM Complete.  Web. 20 Feb. 2013. Johnson, Steven. Yes, People Still Read, But Now Its Social. Beyond Words: Cultural Texts for Reading and Writing. Eds. John Ruszkiewicz, Daniel Anderson, and Christry Friend. San Francisco: Pearson. 2010. 427-429. Print. Sunder, S Shyam. No LOL matter: Tween texting may lead to poor grammar skill. Pen State News. 25 July 2012. Pen State. Web. 20 Feb 2013.

Implementing child rights

Implementing child rights Introduction One basic human rights principle laid down in the Universal Declaration of Human Rights, 1948 is that all human beings are born free and equal in dignity and rights (Article 1 UDHR). However, specifically vulnerable groups such as women, indigenous people, and children have been assigned special protection by the UN legal framework (Henry J. Steiner P. Alston, 2000). The UN Convention for the Rights of the Child, 1989 remind us that children, whilst retaining their entitlement to the full range of human rights, are often marginalised or excluded, and represent a special case required additional safeguards (Defence for Children International (ed), 1995). Therefore, the Committee on the Rights of the Child have also adopted about twelve General Comments (in addition to two Optional Protocols) guiding States on specific issues such as HIV/AIDS, the aims of education etc (Committee on the Rights of Child-General Comments). The Committee in 2005 adopted â€Å"General Comment 7 (GC7) on Implementing Child Rights in Early Childhood† (The Committee General Comment 7 of 2005). GC7 recognises that in implementing the UNCROC States parties have often overlooked young children as rights holders (GC7 para.3). The Comment seeks to redress this by clarifying State obligations for UNCROC implementation with respect to all children â€Å"below the age of 8† (GC7 para.4). The UNCROC regards young children as active meaning makers with â€Å"evolving capacities† (Art. 5) requiring age-appropriate guidance and support whom, both as individuals and as a constituency, have a voice which must be given due consideration. Parents/Caregivers and States are reminded to balance control and guidance with respect to evolving capacities of the young child, and of the obligation to facilitate genuine participation of young children in the process affecting their development (The Committee General Comment 7, 2005). In this 21st century, when we Australians are busy counting our economic and political success both at national and international level, still is much needed to be done to improve the status of children in Australia for the coming future (Nyland, 1999). In this essay, I have tried to discuss the role of early childhood settings in enacting and promoting the children rights such as participation, protection and provision and in making these rights available to Australian children. Childrens Rights: Setting Standards Legal conceptions of children The adoption of the Convention on the Rights of the Child marked a fundamental shift away from past conceptions of children and childhood to a new one. Until then, the law had seen a child as property the property of the father to be dealt with and disposed of as he saw fit (Hart et al, 1991). However a conceptual shift took place during the 19th century, based on the perception of children as vulnerable and so in need of protection from poverty, the voices of industrialization, immigration and urban living. In addition, to being considered property, the child began to be considered as a resource to society (Hart et al, 1991). The human rights movement of the 20th century, previously focused for adult rights was extended to children (Hart et al, 1991) though children were still seen as vulnerable and in need of protection but this status was subsumed in a broader understanding of children as full human beings with all the human rights and fundamental freedoms that all human beings have. Their need for protection was transformed into a right to protection. They had a right to be free from exploitation, abuse and neglect of any kind. Seeing children as rights-holders (The Committee GC7, 2005) had implications beyond child protection, however. It meant that, like all human beings, they were also entitled to freedom of speech, freedom of religion and belief, freedom of association, the right to education and to the highest attainable standard of health, and so on. The UN Convention on the Rights of the Child, 1989 The UN Convention on the Rights of the Child is the universal statement of this new conception of rights-holders. The United Nations General Assembly on Nov 20, 1989 adopted the UN Convention on the Rights of the Child (UNCROC). In 1990 Australia ratified the UNCROC and to date 191 countries have ratified the Convention, while US and Somalia have become signatories (Berenice Nyland, 1999). The Convention is considered to the most comprehensive and complete international legal document on childrens rights concerning their protection development and welfare (P. Alston, 1991). The Convention deals with the child-specific needs and rights. It requires that states act in the best interests of the child. The Conventions objective is to protect children from discrimination, neglect and abuse and serves as both a rallying point and a useful tool for civil society and individual people, working to protect and promote childrens rights (Berenice Nyland, 1999). In many ways, it is an innovative instrument. Categories of rights under the UNCROC Greenwood suggests that the rights set out in the Convention fall into three categories (Module 1. Topic 2: The Convention on the Rights of the Child); Provision: this category includes the right to posses, receive or have access to the right to life (Art. 6), a name and a nationality (Art. 7), health care (Art. 24), education (Art. 28), adequate rest and play (Art. 31), special care for disabled children (Art. 23), an adequate standard of living (Art. 27), care after abuse (Art. 39), and respect for the cultures from which the children come (Art. 30). Protection: it grouped the right to be shielded from harmful acts and practices such as; separation from parents (Art. 9), sexual exploitation (Art. 34), and physical abuse and neglect (Art. 19). Participation: this class encompasses the right to be heard in discussion affecting the childs life so that the child has freedom of expression (Art. 13), freedom of thought and religion (Art. 14), and the right to be heard in court (Art. 12). The UNCROC, 1989 formally-agreed standards cover: provision rights (to necessary, not luxury, goods services and resources); protection rights (from neglect, abuse, exploitation and discrimination); and participation rights, when children are respected as active members of their family, community and society, as contributors from their first years (Alderson, P. 2000). The effect of the Convention for Children in Australia Since the ratification of the UNCROC in 1999 by Australia till 2010, we can say that the Convention has realised neither the brightest hopes of its supporters nor the most dire fears of its opponents (Butler, B., 1993). The ratification of an international instrument by Australia, such as the Convention, does not ipso facto make that instrument part of domestic law hence the UNCROC is not part of Australian domestic law. Therefore, it has not revolutionised public policy making for children, nevertheless it has led to many very significant initiatives and reforms (Module 1. Is the Convention enforceable, p 29). It has provided a new basis for examining the situation and treatment of children, bringing a rights focus to what previously were seen as purely welfare issues. The effect of this is that the Convention has been declared an international instrument relating to human rights and freedoms for the purpose of Human Rights and Equal Opportunity Commission Act 1986 (Cth) (Module 1. Is the Convention enforceable, p 29). Consequently, the Convention has provided the legal and conceptual basis for the establishment of childrens commissioners in most Australian jurisdictions. Childrens rights and early childhood settings Early childhood, the period from birth to 6-8 years, is a significant and unique time in the life of every individual. Every child needs and has the right to positive experiences in early childhood. As with every other phase in life, positive supports and adequate resources are necessary for meaningful development. In their everyday lives, children largely stay within and relate to three settings their home, schools and recreational institutions (Rasmusen, K. 2004). These environments have created by adults therefore quality early childhood practice is built upon the unique role of the adult. The competencies, qualifications, dispositions and experience of adults, in addition to their capacity to reflect upon their role, are essential in supporting and ensuring quality experiences for each child (Wyatt, S., 2004). This demanding and central role in the life of the young child needs to be appropriately resourced, supported, and valued. Therefore, quality early childhood care and education must value and support the role of parents (Thorpe, R., Thomson, J., 2003). Open, honest and respectful partnership with parents is essential in promoting the best interests of the child. Mutual partnership contributes to establishing harmony and continuity between the diverse environments the child experienc es in the early years. The development of connections and interactions between the early childhood setting, parents, the extended family and the wider community also adds to the enrichment of early childhood experiences by reflecting the environment in which the child lives and grows (Thorpe, R., Thomson, J., 2003). Basing early childhood services on childrens rights Childrens rights are relevant to early childhood education and care. The Convention on the Rights of the Child is directed towards the well-being of every child and the full development of every child to her or his full potential (Butler, B., 1993). Early childhood education and care shares that direction and commitment. The Convention states that the first objective of education is â€Å"the development of the childs personality, talents and mental and physical abilities to their fullest potential† (Art. 29 (1)). Early childhood education and care contributes to the full personal development of children. Early childhood institutions contribute to implementation of the requirements of the Convention in relation to the childs right to the highest attainable standard of health care (Art. 24), the right to education (Art. 28), the right to protection from exploitation, abuse and neglect (Art. 19), the right to play and recreational activities â€Å"appropriate to the age of the child† and to participate in cultural life (Art. 31). Institutions also have particular regard for the specific needs and rights of particular groups of children specified in the Convention: refugee and asylum seeker children (Art. 22), children with disability (Art. 24), children of ethnic and religious minorities and indigenous children (Art. 30), children placed in alternative care (Art. 20), children who are the victims of abuse and neglect (Art. 39) (Alderson, P., 2000). In Australia, the importance of childrens rights to early childhood care and education is recognised in many of the key documents that express the values and goals of the sector. The first commitment to children in its Code of Ethics is to act in the best interests of the child and the second commitment is a more general one, to â€Å"respect the rights of children as enshrined in the UNCROC and commit to advocating for these rights† (ECA Code of Ethics, 1990). Its policy positions are based on principles that â€Å"reflect adherence and commitment to† the Convention on the Rights of the Child (ECA position statement consulting with young children). They are expressed in rights terms: â€Å"All children have the right to access and participate in early childhood programs and services† (Inclusion of Children). Childrens rights issues for early childhood institutions Early childhood education and care institutions address childrens immediate needs and well-being, that is, childrens lives as children (Rasmusen, K. 2004). They provide children with opportunities for learning, play and socialisation. They provide the foundations for literacy, numeracy, later learning, and future life opportunities. They also focus for addressing the rights of disadvantage and particular groups of children such as indigenous children, refugee and immigrant children, children with disabilities, children from poor families. The way childrens rights are interpreted and acted upon in early childhood institutions it has some cultural/social implications (Berenice Nyland, 1999). For example, when children interact in the complex cultural environment of a day care setting that can provides us with insights into how they construct their views of the world and culture. Therefore as adults we should observe children very closely in order to understand what they are trying to tell us about their surroundings. Mostly caregivers based children developmental activities on observed activities of children focusing mainly on the individual child and areas of development and divide children into developmental areas which is a problem because one area or dimension can not exist by itself. Therefore the practitioners should be motivated to plan for the different areas of development and therefore move away from play-based curriculum since tasks are developed to aid a particular area of development and overlook or neglect the ideal of whole child (Nyland, 1999). Another constraint of current mode of recording children behavioural observation is that we record observed behaviour meaning something already has been done by a child (Nyland, 1999) so we look at the child of yesterday and not at the child potential (Vygotsky) in upcoming future. In a child care centre caregivers can create an environment focusing to strengthen child development in a more holistic way which will give to the caregivers a better understanding of the physical and social settings of children from where they belong. In the child care centre the caregivers can also identify culturally regulated customs and can use it as a culturally niches (Nyland, 1999). The adult/caregivers role in these developmental niches/physical and social settings is one of scaffolding the child experiences (Valsiner, 1987) through an environment that is carefully considered in relation to three metaphorical zones (Cole, 1996). These metaphorical zones make up the developmental niche and consisted of three zones i.e. zone of free movement (ZFM), the zone of promoted activity (ZPA) and the zone of proximal development (ZPD) (Valsiner, 1987). ZFM is understood as the childs access to the environment, objects, events and ways of acting (Cole, 1986). ZPA covers a childs particular action, or response which encouraged him/her to give by a more competent member of the culture or from the same physical environment (Nyland, 1999). But when the ZPA is matched to the childs present development state which guides further development then it is referred as ZPD (Cole, 1996). In early childhood setting the caregivers role is more important and dynamic since s/he can use the metaphorical zones as guide for designing and providing space, objects and interactions. The caregiver own role can be deliberately designed for enhancing the perceived developmental potential in an articulated cultured environment. The cultural activity where development is most likely to occur in a cultured environment is known as leading activity and such activities can be accomplished through manipulation for infants and spontaneous play for children (Bodrova Leong, 1996). For better understanding of the role of early childhood settings for the protection of children rights, Berenice Nyland (1999) in article â€Å"The United Nations Convention on the Rights of the Child: Using a concept of rights as a basis for practice†, quoted a 20 minutes observation period took place in a day care centre between two babies of under two years, with no spoken language. Kallina started the play by putting a nappy on a doll. She was thoroughly engaged and her physical moments were free. She had mental picture of folded nappy because she tried many times to match reality with mental event representation. Another baby Claudia joined the play, took a doll and wrapped a nappy around it. Claudia just matched the nappy and made no effort to fold it or put it on the bottom half of the doll. Similarly Claudia found another undressed doll in the same place and take out a nappy from a nearby clean clothes basket and draped it around it. The observer was asked to put the n appies on to prevent them falling off. Claudia then took a plastic play gym from an immobile baby and placed it to the book corner. She then placed the dolls underneath the play gym, so they ‘could play. The role of caregiver in this exercise is the childrens actions affirmed the suitability of the available environment created by the caregiver relating to the freedom of moments (ZFM) for the babies and they had access to inside and outside. They were having free choice of space and toys, and also access to domestic equipments such as clean clothes basket. The children initiated ZPA by themselves and there was no need of adult intervention or guidance. Scaffolding and learning in the ZPD occurred between children, as they were engaged in intentional goal oriented behaviour hence established their ZPA. Such zones should be dynamic and constantly being renegotiated. This exercise shows that observing children in such expressive way and to see their development within the context of relationships existing in the physical environment of the setting, cultural artifacts, and social interactions gives a comprehensive way of individual child. At one hand it demonstrates a childs competence for understanding changes and on the other hand the early childhood setting as a learning environment. Such an approach moves away from the straitjacket of areas of development and affords the child a voice while giving the caregiver a more meaningful role within the relationship (Berenice Nyland, 1999). Early childhood workers as leaders in childrens rights advocacy We then are needed as advocates for childrens well-being and not only advocates but leaders in advocacy. The basis of our advocacy should be childrens rights, as recognised in the UN Convention on the Rights of the Child. Why we? Because as early childhood professionals, we have responsibilities and opportunities that require we to be advocates. Our responsibilities come from our role as workers with children. We know them and their needs well (Nyland, 1999). We know what promotes their development and their happiness. We know the importance of services for them being of the highest quality. We also know the consequences of children not receiving the services and support they need for their full development and the consequences of poor quality services. Advocacy cannot be left to others when we have so much expertise and experience (Module 4. Topic 1: Advocacy for children. p 5). Conclusion The legal obligations of the Australian government under the UN Convention on the Rights of the Child are still to be realised, almost 20 years after its ratification. We can move beyond frustration, anxiety and despair and embrace the possibility of hope or the audacity of hope, as Barack Obama (Quote for the Hope) calls it if we are willing to do so. Children have few choices. We adults and professionals have many. The challenge is to choose to place ourselves at their service and in the service of their rights. Children have the ability to construct their own images and now its upto the society how seeming it. The early childhood practices, like child study, provide a strategy for listening to the very young. A belief in childrens rights and an understanding of childrens strength and competence can be used as a basis for improving the quality of childrens daily lives (Berenice Nyland, 1999). By this our early childhood institutions would provide to the children with opportunities for learning, play and socialisation. So the emerging vision is one of an actively participating and socially competent young child. This young child is ecologically situated: within family and caregiving environments; in relationship with peers; as part of a community; and as a member of society. This young child is to be considered holistically: as a being whose emotional, social physical and cognitive capacities are evolving in various social and cultural settings (The Committee GC 7). Therefore require us to reconsider young, active, participant children in the broadest possible sense, both as individuals and as a constituency.

The Rural Way of Life in The River Warren :: warren

The Rural Way of Life in The River Warren Anyone who has taken a trip across the midwestern states has seen a different way of life. The River Warren gave the readers a sense of this rural way of life around the Two-Speed semi crash. Corn, wheat, and other agricultural products can be seen for miles and miles in all directions. As you drive through, you can see farmers hard at work, combines, tractors, and bailers all working at full speed, sun up to sun down. It doesn't take long too see how much these farms must work in order to survive. Why must these farmers devote so much of their lives to the profession? The answer to this question can become very complicated. When one sells any product, economics is the dominant factor with regards to price and the quantity of one's particular product. Many external factors play a huge role in the supply and demand of farm products. The focus of this paper is to explore some of the factors that make farming such a hard, volatile business. In the book, the Gruber family is a good example of a small farming family. Leo is the head of the household and, therefore, spends all or most of his time working on the farm. Jeff Gruber, Leo's son, speaks of his father's work in one passage. Leo stated his father's "capacity for work grated on him (76)." This family was always forced to work. At night, the tractor-trailer would come to load cattle. Jeff stated the days were full of "plowing, discing, harrowing, planting, cultivating, harvesting, and feeding the cattle (76)." Growing up in this setting meant work at a young age for the children. Jeff and his younger brother, Chris, are not exceptions. In the story, Chris is killed in a farming accident. Chris's youth and his inexperience with farm equipment were outweighed by the needs of the farm. Unfortunately, this kind of tragedy happens in real life as well. The book describes this way of life in many sections but never answered why life was like this. Why this muc h work was need was never answered. Now we will explore this question. First thing we need to look at are some of the external factors that apply to the family farm.

Dont Forget Working Capital When You Buy a Website :: Sell Websites Buy Websites

Don't Forget Working Capital When You Buy a Website Reprinted with permission of VotanWeb.com If you intend to obtain a loan to buy a website, you should consider how much capital you should have available until the website starts generating income. Believe it or not, many buyers overlook this and wind up in trouble soon after they acquire a website. It is important that you determine the "working capital" requirements of the website before you purchase. This is the amount of money you will need available to fund the website after you take over until it becomes self-sufficient, meaning that there is enough inflow of cash to pay the bills of the website as well as your family. There isn't a standard method to determine working capital requirements, but it is something that you can calculate. Of course, you must keep in mind that every scenario is different. For example, if you acquire a website where clients pay immediately, then you will have an inflow of cash the first day that you take over. On the other hand, if it's a website where you grant payment terms to clients and the average time to collect is 30 days, then at a bare minimum, you will need at least one month of working capital. The other thing to consider is inventory. If you will have to purchase products to sell prior to seeing payments form clients, here too your cash flow will be affected. The best way to approach this for any website is to do a forecast for the first six months after closing. Generally, you should take the average monthly revenue for the past year. Then, factor in any seasonality to the business. For example, if you are buying a website that sells primarily school supplies to college students, then you can certainly expect sales to be far lower in the summer than they will be in September. Once you determine the average sales, then you must calculate all of the fixed costs that you will incur from day one. These are all of the expenses that the business will have that are not related to the sales. For example, your webmaster is a fixed expense. You have to pay this regardless of what the website revenues may be. Other fixed costs include: marketing, advertising, insurance, taxes, etc. Always add a cushion of at least 10% - 15% to cover miscellaneous costs that always arise for new website owners.

Theme Of A Dolls House Essay -- essays research papers

Henrik Ibsen's, A Doll's House is definitely a unique story written by a very intelligent, complicated writer. I believe he intentionally wrote the play in a manner which would lead every reader to draw his own conclusions. He forces us to find our own interpretation of the play in context with our personal lives and experiences with the opposite sex. The theme may be interpreted by many as a study of the moral laws that men and women are required to follow by nature. I believe it is primarily based on the gender stereotypes that determine the role of women in society. During the time in which the play took place, society frowned upon women asserting themselves. Women were expected to play a role in which they supported their husbands, took care of their children, and made sure the house was in perfect order. In Act I, there are many clues that hint at the kind of marriage Nora and Torvald have. It seems that Nora is like a doll controlled by Torvald. She relies on him for everything, from her movements to thoughts, much like a puppet who is dependent on its puppet master for all of its actions. In the beginning of the play, Nora did enact the stereotypical role, which she felt she was required to do. In once instance, Torvald feels that he must reteach Nora how to dance the tarantella. Nora of course pretends that she needs him to teach her every move in order to relearn the dance. In truth, this is an act and proves her submissiveness to her husband. Once he is finished te...

Convergence in Media Essay

Introduction By convergence, I mean the flow of content across multiple media platforms, the cooperation between multiple media industries, and the migratory behaviour of media audiences – (Jenkins 2006) In today’s technology focused world, convergence plays a very important part. It allows us to connect more efficiently between media platforms and technology. Throughout the in depth of study of convergence, it has become evident that convergence greatly affects to the relationship between media technologies and audiences. Technology and its devices are becoming increasingly intelligent and clever everyday, and this is because we as humans are doing the same, which can be linked to the rise to the concept of prosumption. Convergence The relationship between technology and it’s audience is as strong as it’s ever been at the present time, with us as humans constantly surrounding ourselves with it and being so dependant of it. With this growth in convergence, and the clear shift in technology, some concepts and concerns have been raised. This includes the concept of ownership, and copyright issues that so often emerge in the technology world because of the rapidly growing flow of information through channels and platforms. Introduction to Tinder The phone application called Tinder uses this theory of convergence. Tinder was created in September 2012, to originally increase social interaction between students at a University in Southern California (Empson 2013). The application uses it’s audience’s Facebook profiles to collect information such as age and the user’s photos to create a type of online dating profile. The application then uses the user’s GSP device in the phone to track other Tinder users located in a certain range to match. Prosumers As mentioned before, another concept that has arisen because of convergence is â€Å"prosumers†, which plays an important part in the relationship between technologies and their audiences. This concept relates to Tinder relatively closely. Tinder is an example of an application that improves the more that it is used. Alvin Toffler explains the concept of a â€Å"prosumer† to be a common consumer who actively helps improve or design the goods and services of the marketplace, transforming it and their roles as consumers. Within the application of Tinder, changes are constantly being made. This is because with the fast paced market of applications and the demand of new and better-improved technologies that society is showing. Companies such as Tinder need to keep up with the demand of its audience. For example, Tinder will monitor the habits and behaviour of its users, and make it easier and more pleasant for them to continue. This relates back to the importance of the relationship between the audience and the industry, as the main objective for companies such as Tinder is to keep the customer happy and satisfied with the product and service provided. At the same time, the concept of produsage can be included in the use of Tinder. Produsage Produsage is defined as the shift of users from audiences to content creators (Jenkins 2008). This concept is defining technologies such as Tinder, where the audience is technically the producers. What is meant by this is that the content that is on the application, is uploaded by the users of Tinder; photographs, information and profiles. Another aspect of produsage is that the produces of the content, which we distinguished can be the audience, are also the ones who obtain the information or material. Produsage is another aspect that enhances the relationship between technologies and their audiences. Ideologies Tinder has brought many positive aspects and concepts to the dating world of today and this mainly falls under cultural convergence. The traditional idea of â€Å"online dating† has been transformed, and this is all because of the  every changing world we live in. Since around 2002, online dating has originally been restricted to a computer, and users would each have a full profile stating all about their interests and hobbies, as well as pictures. However, on a Tinder profile, each user is allowed a maximum of 500 words to describe themselves, and a limit of 5 photos of their choice. This change in restrictions that Tinder has opted for is a reflection of the ideologies of its audience. The average of Tinder users is 27 (The Weekend Australian Magazine 2014), a clear indication that the market that Tinder is targeting is the younger generation. The creation of this easy to use app really emphasizes the culture so present in the younger generation of today of â€Å"hookups† or â€Å"casual sex†. The want for long-term relationships using online dating is slowly dying, and the demand for quick hookups is becoming increasingly evident. The whole concept of Tinder, simple and shallow has proven to be very popular with the younger generation because of this. Tinder saw a hole in the market for quick hookups, and filled it. Another feature of Tinder that makes it so much more appealing to traditional online dating is the fact that it is a mobile application, and can be used anywhere. This feature works well in the fast paced lifestyle the younger generation seems to live. Security/Surveillance As there have been mentioned, Tinder has bought many positives to the online dating market. However, there are a few issues and concerns that have been brought up about Tinder since it’s been released 2 years ago. A main issue was brought up about the security of the application. Interlude Security are a company who discovered a flaw in Tinder’s production that resulted in user’s being able to locate other people’s almost exact location, information that is supposedly kept a secret in the application (News.com 2014). This discovery caused a lot of panic through many of Tinder’s users, and also members of the general public. The flaw was eventually fixed by Tinder, however concern was still present that another security flaw could easily be found. This whole saga affected the relationship that Tinder had created with its audience and users, which could have easily, in turn, affected the popularity and success of the application. This hole in  Tinder’s system meant that the users location could be seen, which in turn, is potentially putting Tinder user’s safety at risk. As a result of the increase of flow of content within platforms, it’s easy for flaws like this to occur. Another security issue with Tinder is the on going concern about basic online safety. We as a fast paced culture are constantly looking for the fastest and easiest way to do things. Hence why Tinder was so popular so quickly, people were looking for an easier way to date. The simplicity of being able to interact with complete strangers on mobile devices is far too appealing and hence why many security issues arise. The whole idea of â€Å"catfish† has recently been brought to attention in the media recently, with many cases of fake profiles and unsafe meetings occurring from online dating. Again relating back to generational differences, online safety is a much more relaxed issue that it was 3 years ago. The fact that people are willing to allow an application to show their location to complete strangers is an indication of this. Conclusion Convergence is an on going process in today’s society and it will never end. It affects us as the audience, as well as the producers and the technologies we surround ourselves with. Whole platforms are being transformed, for example the dating world, to suit the wants and needs of the audience. Technologies are become increasingly intelligent, as its creators are which can affect us both positively and negative. Convergence will always lead to negative things such as security and copyright issues, but also the positives must be noted. References Jenkins, H 2007, Welcome To Convergence Culture, The Offical Weblog Of Henry Jenkins, weblog, 19 July, viewed 3/6/14, http://henryjenkins.org/2006/06/welcome_to_convergence_culture.html Rouse, M 2005, Definition: Convergence, WhatIs, web page, April, viewed 4/6/14, http://whatis.techtarget.com/definition/convergence Tinder (Application), Wikipedia, web page, viewed 3/6/14, http://en.wikipedia.org/wiki/Tinder_(application_software) Empson, R 2013, Tinder: Finding Traction on Campus, Techcrunch, web article, 3 Jan, viewed 5/6/14, http://techcrunch.com/2013/01/03/tinder-finding-traction-on-campuses-hatch-labs-new-dating-app-makes-it-easy-to-break-the-ice/ Ayers, C 2014, Tinder: the app that’s setting the dating scene on fire, The Australian Magazine, web article, 31 May, viewed 5/6/14, http://www.theaustralian.com.au/news/features/tinder-the-app-thats-setting-the-dating-scene-on-fire/story-e6frg8h6-1226933263450 Moore, C 2014, BCM112 Lectures, viewed 02.06.14 https://moodle.uowplatform.edu.au/pluginfile.php/152352/mod_resource/content/2/6623.pdf Ronald, L 2014, â€Å"LucyRonald†, WordPress, viewed 03.06.14, http://lucyronald.wordpress.com/

Baseball Versus Lacrosse

Baseball Versus Lacrosse Baseball is a sport that is known around the world. Lacrosse is not as popular, but it is still a fun game to play. Although baseball and lacrosse are very different they have some similarities. Baseball is a very fun game to play. While playing the sport the idea is to hit the ball and score a run the more runs you score the better. Baseball is a nine inning game, one inning is when a team hits and plays in the field. When playing baseball try to hit the baseball on offense and on defense try to catch the ball or tag the person out. I know this sounds hard but after a while it gets easier and more fun to play. Baseball and lacrosse have many similarities. Baseball and Lacrosse both involve catching and throwing. These two sports both use a round ball that is thrown to a teammate. These two sports are very fun to play. Lacrosse is a very fun game to play. When playing this sport the idea of this game is to try to score points by throwing the ball into the net. Lacrosse is a sixty minute game, two fifteen minute half’s. While playing this game use the stick and try to throw the ball to a teammate to score or shoot the ball into the net. This game is very dangerous but fun. Baseball and lacrosse have many similarities. Baseball and Lacrosse both involve catching and throwing. These two sports both use a round ball that is thrown to a teammate. These two sports are very fun to play. Baseball and lacrosse are very similar and different. They both involve catching and throwing, but they are played very different. I like baseball more than lacrosse because I have been playing baseball since I was a kid. These two sports are very similar and different

Car Insurance Database

This task is related to creation and update of database which is going to contain the data of an insurance company. The database is developed in MS-Access. In order to create the database in MS-Access, the first step is to create the database from file menu of the MS-Access and provide any suitable name (e. g. the name chosen for this project is vechicle_insurance). The next step is to use the query option and execute the queries one by one (the queries are available in this document).All the queries provided in the document are compatible with MS-Access. Six tables are created by the Data Definition Language (DDL) query and the data is inserted into the table by the insert query or Data Modification Language (DML). In addition to DDL & DML, browse, search and update queries are also provided in this document. In the following section, Data dictionary is provided which is a mapping of the fields with the data type.The Entity-relationship (ER) diagram is provided on a separate documen t which shows the relationship amongst all six table tables and how they are connected to each other. In the ER diagram, Id is primary key for each table. All the tables are normalized to 3rd form of the normalization. Data Dictionary There are six tables in vehicle insurance database. Each table contains certain number of fields. Each field gives the information of related table.

Political Risk in Venezuela

The political climate in Venezuela is very unsettled, this is because of the course of action the president decides to take. However the biggest risk is to industry –type company’s that have major operations in Venezuela. This is exemplified in the operations of foreign oil companies and mining companies with operation in or with Venezuela. The greatest risk in conducting business is straightforward expropriation. Another major risk that foreign companies face while operating in Venezuela is increased income tax. The tax rates tend to be subjective and can change depending on the revenue and size (growth) of the company. The largest risk facing any foreign company such as the proposed from class is converting the local currency (Bolivar) to outside currency. This is mainly because of the bureaucracy involved exchanging the currency, which is governed by the Central Bank of Venezuela and the National Exchange Control Administration. This is especially applicable to the U. S. currency because of current relations. * The additional expenditures accumulate because of time and resources required to transfer money abroad. Venezuela's democracy is broken according to the standards of the OAS Inter-American Democratic Charter. This may mean that changes to the political climate to further burden the operations of business will prove to be futile. Living Conditions Venezuela has a national poverty percentage of 52% according to the World Bank. There is considerable income inequality, especially in densely populated areas. This becomes a concern because Venezuela has had massive economic growth compared to historical percentages. The unemployment rate is 6. 6% at the year-end of 2009. This is considered to be low when factoring in that many people engage in subsistence farming and small-scale trade, which is not considered part of the unemployment count. There is a large gap in income where the population is considerably wealthy or poor to very poor. The population averages out to upper middle class income. The World Bank states that the GNI per capita in Venezuela is $12,370 USD in 2009 (The World Bank). However with 95% literacy rate we can deduce that many Venezuelans are well educated. This widens the market segment for products that involve interaction with the individual. One such example would be exercise products that come with routines by book and/or video. Inner city residents live in apartments, condominiums and small houses, which are in close proximity. The cost of living increases closer to the city center especially in large cities such as Caracas. The inner city residents are mostly middle class to upper middle class. Upper class Venezuelans live outside the city usually in the hills in gated communities. The lower class lives in slums located in the perimeter of the cities and use public transportation to go to the city center. The lower class may also live on estates and work for the upper class in large numbers especially on large farms. Reference http://data.worldbank.org/country/venezuela-rb www.state.gov/r/pa/ei/bgn/35766.htm