Sunday, February 23, 2020
Homeless teens in Dallas Texas - Essay Example For this program to start I would need to ask the teenagers themselves what they want the next step to be. Do they want to continue living alone? Do they need help talking to their parents? I would also need to speak to the parents and explain the situation to them. This way, once reunited the teenager would not have the impulse to run away again. Moreover, I would need to look for backers who would be willing to take in the independent homeless teens as apprentices or part-time workers. This way, this group of homeless teenagers would be able to make an honest living and live independently. I believe the cost for the program is very minimal and feasible. Expenses would primarily be transportation and initial housing or rental fee for those who want to continue living alone. I could send letters to philanthropists asking for funds. Also, I could approach large business to make donations for the program. This would be good for them because it could be a tax
Thursday, February 6, 2020
The Managerial Functions in a Commercial Bank - Assignment Example This ensures that issues of money laundering do not occur in the bank. The capital adequacy management refers to the bankÃ¢â¬â¢s managerial function that ensures that a bank has sufficient capital to carry out all its operations. It involves a number of activities and process. First, the bank through its manager must decide the amount of capital the bank must keep. This is done by identifying the needs of the bank and the central bank regulation policy on bank reserves. Second, once bank capital needs are identified, adequate policies are formulated to ensure that the capital adequacy level is not exceeded. Third, the bank through it managers mobilize the necessary capital and manage it to conform to policies that ensure that it is sufficient and quality bank assets at any given time. The asset-risk management refers to protecting banks assets from all risks associated with the asset and ensuring that they are performing appropriately. Asset-risk management involves keeping complete records of all the assets. The information that needs to be included in the asset register includes asset type, date and purchase price at acquisition, warranty information, spare parts, repair facilities and dates as well as service contracts (Collier 146). Banks management must ensure that all preventive maintenance is carried out and all planned inspection must be carried to ensure that the asset is functioning appropriately. In addition, all assets must conform to the industry regulatory standards. The above functions would ensure that banks assets are reliable and performing as required. Risk structure of interest rates is comprised of all risks associated with changes in interest rates as well as defaults that may occur when a client take a loan and fail to honour his or her financial obligations. Bonds duration is usually used to measure the interest rate risk. On the other hand, Term structure of interest rates is defined as a way in which interest rates on bonds with varying maturity terms are related. It has been estimated that interest rates on bonds of varying term maturities move together with time.Ã Ã
Tuesday, January 28, 2020
Beer Market Analysis Essay Brewing industry is a global business, consisting of several leading multinational companies and many small local producers. Regardless of beer consumption been affected by the economic crisis, expected growth at a CAGR globally for years 2009-2014 is 1. 8%, with Africa, Asia-Pacific and Middle East becoming the leaders of beer consumption. Moreover, the industryÃ¢â¬â¢s further growth is expected due to increasing beer consumption in China. But at the same time, expected CAGR for North America is only 0,5%, and Western Europe is supposed to have marginal decline. Leaders of the market, with 50% of sales, are Anheuser-Busch InBev, SABMiller, Heineken NV and Carlsberg A/S. From the Ã¢â¬Å"Leading global beer brandsÃ¢â¬ graph we can see that category of lagers holds leading position in industry. According to SUBMiller report, there are 3 trends, which had anticipated the increase drive in beer market value by 2012, and those are: * Consumer upgrading to better beer quality due to increase purchasing power * Growing beer-consumer population base * Marketing and promotional activities aimed on differentiation From the other side, there are several threats for both local and global beer producers. Some of them are: increased competition from other alcoholic beverages (mainly, wine in Europe and spirits in the US), or the smoking ban in public places, which has negatively affected the the number of orders of beer in restaurants and bars. Moreover, it is forecasted that due to increasing health consciousness, customers may switch to alternatives like dry wine, which also would retard the beer consumption. All these trends and numbers made beer brewers to improve their brand image in order to increase sales and grab global market share. For that many leading brewer companies focused on innovative packaging and labeling concepts, which would help to inform clients about innovations in health, following the sustainability trends and increase in premiumisation. For example, one of largest beer producers in the world, Carlsberg, in order to double profits by 2015, had to revamp branding, ingredients used and to widen the distribution. Carlsberg launched their Ã¢â¬Å"That calls for CarlsbergÃ¢â¬ campaign in over 140 markets, to adopt a single global brand positioning and to relate brand to global consumers.
Monday, January 20, 2020
In the Romantic period, many authors make references to different social concerns. This enabled the authors to hint towards different concerns in their writing, but not come directly out and state their concerns. Three great examples of authors like this include: William Blake, Robert Burns, and Anna Laetitia Barbauld. Each of these authors had unique concerns that they were able to get across in their own way. Ã Ã Ã Ã Ã Blake wrote two poems with entitled Ã¢â¬Å"Chimney Sweeper.Ã¢â¬ One version was found in his Ã¢â¬ËSongs of InnocenceÃ¢â¬â¢ and the other was found in Ã¢â¬ËSongs of Experience.Ã¢â¬â¢ Although the first was told with a child almost in mind, and the second was told in a darker, colder point-of-view, they both contain the same concern. This concern is having very young children working as chimney sweepers. Blake talks about how you boys are almost forced into this career Ã Ã Ã Ã Ã Ã¢â¬Å"When my mother died I was very young, Ã Ã Ã Ã Ã And my father sold me while yet my tongue, Ã Ã Ã Ã Ã Could scarcely cry Ã¢â¬Å"Ã¢â¬â¢weep! Ã¢â¬Ëweep! Ã¢â¬Ëweep! Ã¢â¬Ëweep! Ã Ã Ã Ã Ã So your chimneyÃ¢â¬â¢s I sweep and in soot I sleepÃ¢â¬ This was a horrible was to live, yet hundreds and hundreds of little children do this work on a daily basis. Ã Ã Ã Ã Ã Another author that alluded to social concerns in his writing is Robert Burns. His poem, Ã¢â¬Å"To a MouseÃ¢â¬ makes references to different classes and the effects of social order on them. The poem tells a simple story of a mouse who builds a house to with-hold winter, only to have it knocked down by a man with his plow. Now although its house is gone, the mouse doesnÃ¢â¬â¢t seem horribly bothered by it. In the more complex story, the mouse represents the lower class, and the former with the plow represents the upper class. To the lower class material possessions do not surround their life as they do in the lives of the upper class. Ã Ã Ã Ã Ã Ã¢â¬Å"The Best-laid schemes oÃ¢â¬â¢ mice anÃ¢â¬â¢ men Ã Ã Ã Ã Ã Ã Ã Ã Ã Ã Gong aft a-gley, Ã Ã Ã Ã Ã AnÃ¢â¬â¢ leaÃ¢â¬â¢ us naught but grief anÃ¢â¬â¢ pain, Ã Ã Ã Ã Ã Ã Ã Ã Ã Ã For promised Joy.Ã¢â¬ Burns starts out life in the lower class, but due to the high success of his poems he ends up more in the middle class. This poem is a way for him to show how he feels life was better when he was in the lower class, because he didnÃ¢â¬â¢t have to worry about the things he worries about in the upper middle class. Ã Ã Ã Ã Ã Barbauld tried to get across some of the responsibilities of women in the nineteenth century through her poem, Ã¢â¬ËWashing-Day.
Sunday, January 12, 2020
The Enduring Appeal of Agatha Christie is an enthralling essay written precisely and effectively about the powerful author. The introduction to the essay is brief, yet very informative, giving the reader a bit of background information. It refers to popular literature abounds such as Stephen King and Edgar Allen Poe. I personally have never heard of Agatha Christie, therefore the information contained regarding other legends aided in my understanding of how popular and legendary she truly is. In addition to this, the thesis statement is succinct and presents the authorÃ¢â¬â¢s opinion regarding Agatha ChristieÃ¢â¬â¢s brilliance clearly. This was very helpful, as I was informed almost immediately as to what I was going to read about. Overall, the introductory paragraph gave me a great ordeal of background information, as well as three concise topics concerning the writing legacy, Agatha Christie, and her writing intelligence. This essay is effectively written as it has a rational flow of ideas and is very cohesive. Each paragraph begins with an enthralling topic sentence, giving myself, the reader, an appealing fact followed by the main idea of the writing. A great example of this can be viewed in the opening sentence of the first body paragraph which reads, Ã¢â¬Å"[n]ext to Sherlock Holmes, Hercule Poiret and Miss Jane Marple are two of the most recognizable detectives in fiction because of their distinctive attributes.Ã¢â¬ Although this is an engaging topic sentence, the author did not include all of the points he/she wished to include in the actually body paragraph as Ariadne Oliver was excluded. On an opposing note, however, I do feel that points of each body paragraph are not strong enough to fully support the thesis statement. For example, in paragraph one the reader is suddenly bombarded with names of ChristieÃ¢â¬â¢s characters without an explanation of who they are, or what novels they come f rom. It was slightly confusing for myself as I needed to do a bit of research in order to figure out who Hercule Poirot, Miss Jane Marple, Ariadne Oliver were. Therefore, it would have been more effective if the author had included a bit of brief, background information as this would make for a greater understanding of the body paragraphs and thesis. Similarly, I feel that the arguments of the essay are not in appropriateÃ order in terms of strength. I believe that the second paragraph should lead the essay as it provides more background knowledge of AgathaÃ¢â¬â¢s characters, novels and is an overall stronger argument. Moreover, the second body paragraph needs to be introduced with a more refined topic sentence that reflects upon the thesis of the essay. The thesis states that Agatha Christie engages the audience with her interesting settings, but the topic sentence of this paragraph is, once again, talking about various characters. Also, the supporting arguments in this paragraph are not written in the same order as the introductory sentence, which is an issue that ultimately leads to perplexity. On the contrary, the passage uses connective words which aided in signalling changes and movement in the text.. Aside from the minor glitches, the three body paragraphs work as a unified whole; for example, they contain links between and within all sentences and paragraphs. Basically, it is easy to follow and uses appropriate language to maintain the argumentÃ¢â¬â¢s focus and to direct the reader. All three of the paragraphs are detailed and legitimate- clearly referring back to each idea throughout the text. For example, in paragraph two of the essay Agatha writes, Ã¢â¬Å"Ã¢â¬ ¦[d]espite their varied locales, the common element that runs through ChristieÃ¢â¬â¢s novels is the Ã¢â¬Å"closedÃ¢â¬ society. These worlds are cut off culturally, economically, or physically, as in the case of Ten Little Indians, which is set on an island off the Devon coast.Ã¢â¬ The author clearly states his/her point and follows this by a strong example of Margaret ChristieÃ¢â¬â¢s work. Overall, the body paragraphs follow a structural pattern and present ideas in an efficient manner which actually enhance the reading material. Finally, the conclusion does a great job summing up all of the information contained throughout the entire essay. The author begins by restating the thesis and summarizing the three argumentative topics (ChristieÃ¢â¬â¢s morality, her settings and characters) .The application of ChristieÃ¢â¬â¢s opinions and morality in comparison todayÃ¢â¬â¢s society really makes one think about what life would be like if her Ã¢â¬Ëworld of moral certaintyÃ¢â¬â¢ truly existed. Aside from the structural accuracy, the content and comparison to the present day is what truly captivated myself as a reader and made the essay effective.
Saturday, January 4, 2020
Abstract Gender differences have been recorded by researches from single neurons in the cell to system level processes (Cahill 2006), and certain scientists proposed that sex hormones influence the development of prefrontal cortex, and this is supposed to be the cause of the differences in working memory performance (Duff Hampson, 2001). This study further investigated the existence and nature of this gender difference. A sample of 497 Monash University psychology undergraduates (385 females and 112 males; ages 18 Ã¢â¬â 64) were recruited for this study. Working memory performance was tested with online spatial working memory test, and 2D:4D finger length ratio was used as an indirect measure of sex hormone levels. The results revealed no sex differences in the working memory performance, but variance in 2D:4D ratio Ã¢â¬â females had a larger ratio than males. Memory reaction time was negatively correlated with 2D:4D ratio, thus, females had a quicker reaction time. Introduction Differences related to gender in spatial memory are most widely described and studied of cognitive sex differences. In 1974 Maccoby and Jacklin established that males usually perform better than females in measures of spatial performance, and this discovery has been constantly replicated in multiple studies covering various developmental stages (McGivern et al. 1997; Lewin et al. 2001) and spatial tasks (Dabbs Jr. et al. 1998; Driscoll et al. 2005). While many researches proved theShow MoreRelatedThe Research Theories Of Biosocial Criminology1177 Words Ã |Ã 5 Pagesand Evolutionary. Biochemistry Biochemical conditions influence behavior by altering brain functions due to an abnormal amount of hormones, chemicals, and nutrients within the body. It has been found in multiple studies that high levels of androgens, male sex hormones, are indicative to higher rates of crime compared to those with average or low amounts of the hormone. It have been observed that androgen production and violence both peak in adolescent males, as well as populations of inmates whoRead MoreDevelopment Of The Human Brain1414 Words Ã |Ã 6 PagesDevelopment of the brain The human brain is the most complex structure in the universe. We are still unsure of its complexity today. The human brain begins forming very early in prenatal life ( just three weeks after conception), but in many ways, brain development is a lifelong project. That is because the same events that shape the brain during development are also responsible for storing information, new skills and memories throughout life. (Zerotothree.org). Thesis statement (what is your paperRead MoreThe Human Brain Is The Most Complex Structure Of The Universe1410 Words Ã |Ã 6 Pagesbrain begins forming very early in prenatal life (just three weeks after conception), but in many ways, brain development is a lifelong project. That is because the same events that shape the brain during development are also responsible for storing information, new skills and memories throughout life (Zerotothree.org). Thesis statement (what is your paper going to discuss) Development all starts the moment of conception. According to the information provided by Modern mom, By the time you are threeRead MoreAdolescent Physical Growth And Development1055 Words Ã |Ã 5 Pagesgrowth and development. The aim is to give a brief, coherent overview of the expected areas of of growth and development during adolescence, the factors that can interfere that growth and the ways in which physical growth can be promoted. Physical Development Many physical developments during adolescence are initiated by hormone signals from the brain during the onset of puberty. In males, hormone signals tell the testes to begin producing sperm and testosterone. In females, hormones signal theRead MoreThe Effect Of Drugs And Alcohol994 Words Ã |Ã 4 PagesAn Adolescent Brain: The Effects of Drugs and Alcohol An adolescentÃ¢â¬â¢s brain is not fully grown until approximately 25 years of age. Utilizing functional magnetic resonance imaging (f MRI), scientific studies, expose that during adolescence every facet of the brain experiences dramatic changes, These changes are not just genetically determined, though are vastly affected by the environment and experiences. The environment affects the development of brain cells, regulates the wiring of these cellsRead MoreThe Brain And Its Effect On Brain Development1335 Words Ã |Ã 6 PagesTeenagers are susceptible to engaging in risky behaviors such as, unprotected sex, drug abuse, and unhealthy lifestyles because of the natural sequence of our brain development. Myelination and maturation of the neurons in the brain work from the back of the brain towards the front. This is important because the prefrontal cortex is located at the front of the brain and is responsible for problem solving, processing complex thoughts, a decision making. The lim bic system is at the base of the brainRead MoreCUMS-induced Increase in ERÃ ±/ERÃ ² Expression Is Associated with Dendritic Remodelling and Anxiety- and Depression-related Behaviour in Young Male Mice556 Words Ã |Ã 2 Pagesto cope with consequent crisis. However, due to prolonged or chronic stress, these neuroendocrine responses turn maladaptive and contribute to a phenomenon known as allostatic load . These stressful events act as predisposing factors in the development of psychiatric disorders and anxiety- and depression-associated behavioural alterations in susceptible individuals [3, 4]. Initially developed as a model to screen antidepressant drugs, chronic unpredictable mild stress (CUMS) is increasingly usedRead MorePathophysiology Final Paper : Pathophysiology1077 Words Ã |Ã 5 Pagesthousand participants ages eighteen to thirty Ã¢â¬âthree, more than half of this population reported receiving minimal to no support in coping with the stress (Sifferlin, 2013). Most of the young adults reported that a single source contributed to the development of their anxiety. Sifferlin went on to discuss how the major concern for these young adults was the lack of support and poor stress management strategies, which would ultimately lead to several health problems. Some of the conditions that were mentionedRead MoreThe Effects Of Sleep Deprivation On Children1994 Words Ã |Ã 8 PagesThe Effect Of Sleep Deprivation Sleep deprivation has been an increasing problem with people of all age, specifically young adults. Many young adults in todayÃ¢â¬â¢s society fights to stay awake and consume in cups of coffee. Sleep deprivation has not only affected many young adults life-style, but also their health. Some research shows that sleep deprivation Ã¢â¬Å"affect onesÃ¢â¬â¢ cognitive performanceÃ¢â¬ (Grundgeiger et al). People with sleep deprivation performance are lower with the more resource-demanding prospectiveRead MoreHow Parents Affect Their Children s Behaviors, Reactions, And Thoughts Essay1806 Words Ã |Ã 8 Pagesbrakes (the prefrontal cortex).Ã¢â¬ (National Institute on Drug Abuse, 2014, p.8) While adolescents are individuals with their own minds and ability to control their actions, parents and peers influence adolescent behavior and thought in a multitude of different ways, from gender roles they are expected to fill, showing them how temperament affects behavior and interaction wi th peers and authority figures, and risky behaviors such as drinking and driving, using drugs, and having unprotected sex. Lev
Friday, December 27, 2019
MID TERM ASSIGNMENT BANKING FINANCE LAW Name: Tran Cong Hieu Student ID: 15402543 Word count: 986 ISSUES Can Fantastic Landscapes Pty. Ltd. have the right to sue Red Bank to claim $50,000 which Minnie has stolen? Can Fantastic Landscapes Pty. Ltd. sue Red Bank for compensation for the $10,000 penalty fee? Can Fantastic Landscapes Pty. Ltd. seek compensation from BLB? RULES Firstly, who is the customer? Secondly, content of the contact at (2.65) states that: the contact between the bank and the customer is ongoing one. It exists until terminated pursuant to contractual principles, which could include agreement of the parties or breach of the condition entitling the innocent party to terminate. Thirdly, the bankÃ¢â¬â¢s dutyÃ¢â¬ ¦show more contentÃ¢â¬ ¦Therefore, Ben or Fantastic Landscapes could not claim back $50000. When apply to combination of account, the Fantastic Landscapes has won in this lawsuit. The Red Bank has combined overdraft account and Account No 2 without any notice because they hear that this company has just lot a large landscaping contract and not working any more. Moreover, Red Bank has agreed Fantastic Landscapes to borrow maximum $100000, so they can not combine account without any notice to this company even though its overdraft account has reached to $100000. Therefore, Red Bank has to pay $10000 penalty fee for Fantastic Landscapes to the finance company. According to duty of the banker, the BLB (Big Lender Bank) does not have any duty to Fantastic Landscapes because in this case, its customer Minnie just is its client. Therefore, BLB do not have any duty to her company although she is a director in that company and she has committed fraud. Moreover, BLB do not care about how Minnie paid off her debt because Minnie did not withdraw money in the trust account. In addition, according to Thomson v Clydesdale Bank Ltd (1893) AC 282. BLB does not need to care about its customer detail particularly. Hence, the chances forShow MoreRelatedLaws Providing For Parallel Islamic Banking Systems: In most jurisdictions where Islamic banks1000 Words Ã |Ã 4 PagesLaws Providing For Parallel Islamic Banking Systems: In most jurisdictions where Islamic banks operate, they have to compete with conventional banks involved in interest-based borrowing and lending. The legal framework governing the licensing of banks and their regulation was designed primarily for conventional instituÃ ¬tions, not least as there were no Islamic banks in existence in most cases when the banking laws were drafted. Three choices therefore arise: firstly, whether Islamic banks can beRead MoreIslamic Law And Islamic Banking1299 Words Ã |Ã 6 PagesForty years ago, the Islamic banking industry was created, on a modest scale, to fill a gap in a banking system that was not listening to the fervent Muslim believers. 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