Review The Mortgage Policies Of Hsbc Bank Finance Essay - Free Essay Example

Sample details Pages: 11 Words: 3317 Downloads: 10 Date added: 2017/06/26 Category Finance Essay Type Analytical essay Did you like this example? INTRODUCTION: Home is the need of every human being and having their own home is dream of every human being. In the United Kingdom price of the houses are very high and it is not possible for every citizen to buy their own home without taking financial help from financial organization like banks or building societies. When bank or a building society helps someone financially by providing loan, so that a citizen is able to buy his/her own home is called mortgage. Don’t waste time! Our writers will create an original "Review The Mortgage Policies Of Hsbc Bank Finance Essay" essay for you Create order In other words we can say a mortgage represents a loan on a property or house that has to be paid over a specified period of time. As financial help is always needed for smooth run of oneà ¢Ã¢â€š ¬Ã¢â€ž ¢s life so for the convenience of the people there are many financial organizations such as banks help the people financially, who want to buy their own home and property. So mortgage was introduced by the banks, from which people can get financial help so that one is able to buy his/her own home and property. Mortgage system is very popular among the people of the United Kingdom because this is the only way to buy their own property. As we know that the mortgage is that sum of money which is borrowed from the Bank or Building Society for buying a property and that borrowed amount has to be paid back with principle plus interest within fixed time period. Today mortgage has great importance as it is the only way with the help of which people are able to buy their own property. This dissertation report is based on the theory of research over the mortgage system of HSBC Bank and specifying the various strategies and policies of their mortgage system. The purpose of this report is to critically evaluate the mortgage system of HSBC Bank. Company Background: HSBC Bank has its headquarters in London. HSBC took its name from the Hong Kong and Shanghai Corporation which was founded in 1865 to finance trade between China and Europe. HSBC is one of the largest banking and financial services organization in the world. HSBC has 8,000 offices globally. HSBC Bank is one of the major clearing banks in the United Kingdom having more assets than any other bank. The business ranges from the traditional High Street roles of personal finance and commercial banking, to private banking, consumer finance as well as corporate and investment banking. HSBC is listed on the stock exchanges of London, Hong Kong, New York, Paris having around 220,000 shareholders in 119 countries and territories. HSBC has 1500 branches in United Kingdom. HSBC Bank plc is incorporated in England and Wales and established at 8 Canada Square, London E14 5HQ which is its Registered Office. This bank is regulated by the Financial Services Authority and is registered in the Fina ncial Services Authority Register with the Registration Number: 114216. HSBC Bank is member of the Financial Ombudsman Scheme. Literature Review: à ¢Ã¢â€š ¬Ã…“A mortgage is a conveyance of land or an assignment of chattels as a security for payment of a debt or the discharge of some other obligation for which it is given. This is the idea of a mortgage; and the security is redeemable on the payment or discharge of such debt or obligation, any provision to the contrary notwithstandingà ¢Ã¢â€š ¬? (Stanley Wilde 1899) Per Lindley MR. The mortgage is derived from the two words i.e. mort and gage which means à ¢Ã¢â€š ¬Ã…“dead pledgeà ¢Ã¢â€š ¬?. The mortgage is usually signed by the borrower and agreed before a public notary and is recorded with the County Recorder. In the mortgage system if the mortgagor fails to pay the installment then the lender has right to close out the mortgage and can sale the property to get the payment for future.(Jack P Friedman, 2003 p.173-204) The mortgage is a  loan  to  finance  for the  purchase  of  real estate, with a specified intere st rates and fixed payment time period. The  borrower (mortgagor) gives the  lender  (mortgagee) a  lien  on the property  as  collateral  for the loan. People can borrow money to buy a home and pay interest on the mortgage to the lender (Bank or Building Society). The Lender (Bank) uses borrowerà ¢Ã¢â€š ¬Ã¢â€ž ¢s property as security for the loan. This term means that if the borrower fails to pay the monthly installment then lender (Bank) may repossess property. An individual can apply for mortgage from any bank like HSBC, Lloyds TSB, Barclays, and Santander or from Nationwide (Building Society) or from Islamic Bank of Britain. The mortgage makes very easier to pay the huge amount in the monthly installment for the fixed time depends on the mortgage plan. (Jack Guttentag, 2004). The mortgage which suits you the best depends on many parameters which mainly include your risk enduring capacity, your personal financial g oals and capabilities and your income. In the presence of so many options and offers present in the market it can surely become a daunting task to select the best mortgage option for you. Considering your dilemma we at finance-strategy.com came up with some useful tit bits which when kept in mind can surely help you make a wise decision towards taking a mortgage. An adjustable rate mortgage is perfect for those situations where you have to stay in that house for a short period of time and when the interest rates in the market are low and are expected to stay so too during the coming times. On the other hand a fixed rate mortgage fits those situations where in you decide to won that house for a longer period of time and the interest rates too are very high at the moment with chances of volatility in the near future. A fixed interest cushions you against these turbulent conditions. The advantages and disadvantages of mortgages will surely take us a step closer towards deci ding it for sure if taking a mortgage is the best solution for your situation. Advantages: The most important advantage associated with a mortgage is the fact that it allows us to retain the ownership of our property and at the same time helps us in getting financial aid too. There is no need for one to sell or let go of his property to seek some money in exchange. In a mortgage the lender does not receive any share in the ownership of the property but is only entitled to take back the principal amount and the interest accumulated on the principal amount lent by him to you. the lender can only claim ownership on your property in case you default on the repayment schedule. The other benefit associated with mortgage is the fact that the interest payments on the mortgage are tax free in nature. Since the schedules of repayment are pre fixed and decided it allows you to plan your financials and expenses accordingly thereby simplifying the entire process for you. By availing a mortgage you now have access to cash flow which you were not having in normal conditions an d can now use it to fulfill your needs and requirements. Disadvantages: The need of depositing collateral as security works out to be the biggest drawback of mortgages. It restricts the kind of people who can avail a mortgage as only home owners or other asset owners can do so. Also, in case that you default on your payment the lender has the right to claim the property deposited by you as collateral and then subsequently sell it off to claim back the loaned amount he had given you. You have to ensure while taking the mortgage that there is a clause mentioned therein that on repayment of the mortgage the lender has to release the ownership title submitted to him by you. The lender as per his convenience can define several events which he mat term as a default and generally includes inability to pay back the loan, bankruptcy, insolvency or any breach in the mortgage agreement. Therefore the risk of you ending up losing your property increases substantially. Repayment Of Mortgages There are two methods of repaying mortgage, one can choose from these two methods according to oneà ¢Ã¢â€š ¬Ã¢â€ž ¢s personal circumstances. Capital Repayment: With a capital repayment plan, monthly payment covers the interest charged on mortgage and it also reduces the outstanding balance each month in line with the term selected. With this repayment plan, one can ensure mortgage is fully paid off at the end of the mortgage period. What we get with the repayment option: Interest and capital repaid à ¢Ã¢â€š ¬Ã¢â‚¬Å" monthly payment covers the interest and also reduces the total balance outstanding Secure à ¢Ã¢â€š ¬Ã¢â‚¬Å" providing all payments are made, the mortgage will be repaid in full at the end of the agreed mortgage term Choose your repayment term à ¢Ã¢â€š ¬Ã¢â‚¬Å" up to a maximum of 30 years. Capital repayment is a repayment option on all of our mortgage products à ¢Ã¢â€š ¬Ã¢â‚¬Å" fixed rate, tracker and discount mortgages. Interest only: With an interest only option, monthly payment covers only the interest charged on mortgage, freeing up cash to spend elsewhere or to invest to pay off mortgage at the end of the mortgage term. By repaying only the interest on mortgage, monthly repayments are lower than with an equivalent capital repayment mortgage. What we get with the Interest only option: Interest only à ¢Ã¢â€š ¬Ã¢â‚¬Å" the monthly payment covers just the interest and the original capital amount borrowed remains outstanding throughout the term of the loan Lower monthly payments à ¢Ã¢â€š ¬Ã¢â‚¬Å" because capital is not repayed, monthly payments will be lower than with a capital repayment mortgage Long repayment term à ¢Ã¢â€š ¬Ã¢â‚¬Å" up to a maximum of 40 years Lower borrowing limit à ¢Ã¢â€š ¬Ã¢â‚¬Å" up to a maximum of 75% of the purchase price or the valuation of property (whichever is lower) Availability à ¢Ã¢â€š ¬Ã¢â‚¬Å" Interest only loans are restricted to home buyers or customers re mortgaging from a competitor. Not available to existing customers borrowing further funds. Mortgage products of HSBC Bank Fixed Rate Mortgages: Repayments are fixed for the duration of the fixed term, and because it doesnt vary, monthly repayments remain the same regardless of what happens to interest rates HSBC currently offers fixed-rate mortgages over 2 and 5 year periods. At the end of the period mortgage will revert to the HSBC Variable Rate unless borrower decide to move to another product Feature Fixed Rate Interest Type Fixed Interest Calculated Daily Yes Unlimited over payments without incurring a charge No Early repayment charge Yes Extended tie in period No Exit fee No Can loan can be port if a person move home Yes In Fixed Rate Mortgages early repayment charge applies during the fixed rate period, and if we increase our standard monthly payment by more than 20% or repay, by any other method, the whole or any part of the mortgage, over and above your standard monthly payment during your fixed rate period Tracker Mortgages: The tracker interest we pay is an agreed percentage above the Bank of Englands Base rate. As the base rate rises and falls, the tracker will track these changes, and so rise and fall accordingly. This will affect the monthly payments HSBC Tracker mortgages are Lifetime trackers, in that they track the Base rate for the lifetime of the loan. Therefore we do not have to worry about coming to the end of a deal, and subsequently switching, with the associated costs. Should Base rates rise you can select to move to a fixed rate where booking fees may be payable. Feature Fixed Rate Interest Type Variable Interest Calculated Daily Yes Unlimited over payments without incurring a charge Yes Early repayment charge No Extended tie in period No Exit fee No Can loan can be port if a person move home Yes Discount Mortgages: A discount mortgage is a variable rate mortgage that offers an interest rate that is a discount off the HSBC Variable Rate for an agreed period (e.g. 2 years). With a discount mortgage, monthly payments will go up and down as the HSBC Variable Rate rises and falls. The HSBC Variable Rate is a rate that is internally set by HSBC. An early repayment charge applies during the discounted rate period, and if we increase our standard monthly payment by more than 20% or repay, by any other method, the whole or any part of the mortgage, over and above our standard monthly payment during your discounted rate period. Feature Fixed Rate Interest Type Variable Interest Calculated Daily Yes Unlimited over payments without incurring a charge No Early repayment charge Yes Extended tie in period No Exit fee No Can loan can be port if a person move home Yes GOVT STATISTICS: According to the government statistics the Mortgage Rescue Scheme used to monitor the statistics which usually gives information on the number of householders with having the mortgage difficulties. This scheme has two main elements: Government Mortgage to Rent and à ¢Ã¢â€š ¬Ã‹Å"Shared Equity The figures which are presented by Government Office Region are usually based on this scheme and submitted to Local Government by local authorities and communities. Local authority figures do not contain estimates for missing returns. Information on the local authority response rate is provided alongside the reported figures for each period. Figures for different periods are shown on separate tabs in the workbook. This is under the Ministry of Justice and the council of mortgage lenders. (www.communities.gov.uk/publications/corporate/statistics/mortgagerescuestatistics2010) Mortgage and landlord possession statistics (NS) 13 March 2010 Quarterly National Statistics on possession actions issued in county courts by mortgage lenders and social and private landlords in England and Wales. This is released quarterly by the ministry of justice and in relation with UK statistics authority. Justification: As having the field of banking I am quite interesting in reviewing the different strategies followed by the banks in the various fields. Moreover it is accessible for me to collect the information regarding my topic as my friend is serving for the both banks. From them I can get the required data regarding my dissertation. The reason behind choosing this topic is that I can get a direction for my future perspective by having the detailed study of this topic. RESEARCH QUESTIONS: The most important parts of the research needed to be covered are as follow:- What are the major resemblances among commercial mortgage in the Britain? What are the considerations customers should employ when choosing a mortgage product? RESEARCH OBJECTIVES: The below mentioned aims are set up on the foundation of planned research questions: To study the different mortgage products of HSBC Bank To recognize the important advantages of the HSBC mortgages over the other commercial mortgages system in the country, To discover the suitable measure. RESEARCH METHOD: Research plan is very important the main component of the research method. In this research method we will give the fundamental sketch of complete research scheme. Research method is the basic initiation of the entire research in it will plan that the how and when the research will be completed and what actions are required to accomplish this task.   This section aims to explain the type of research methods that would be used for the analysis of the proposed company. The results of the research would indicate the range of services that need to be offered, and the suitability of these services for the target market.  Moore (2000)  explains how the methods used will be influenced by constraints, such as time and money. It is important to consider all the methods available and choose a method that is most likely to achieve the objective of the research. Inductive and deductive Approach: RESEARCH OPINION: In the research onion is used to define the whole process of research strategy in detail the generic research process à ¢Ã¢â€š ¬Ã‹Å"onionà ¢Ã¢â€š ¬Ã¢â€ž ¢ support the researchers and give them the direction to do work. (Saunders et al, 2000) There are the different layers which represents the following aspects of the Research Methodology. Research Philosophy Research Approach Research Strategy Time Horizons Data Collection Methods Primary and Secondary Research   Primary data is that type of information which is new and that hasnà ¢Ã¢â€š ¬Ã¢â€ž ¢t been used or collected before. On the other hand the secondary data is that information which has been collected earlier, by some other sources for their own purpose and can used by others for their convenience .(Saunders et al. 1997). Secondary research is also very important for the establishment of data and the collection of data for the current issues and this also helps to discover the relevant studies which can be carried in the past time. Advantages and disadvantages of primary and secondary research methods Primary Research Advantages: This can be used by face to face conversation in the form of interviews or by the telephonic interview. This is used by the help of technology by using mobile phones and through internet communication. A large group of people can be cover in many areas. Wider coverage of geographical areas. This method is cheaper one. . Disadvantages: There are problems to prepare it. The Questions put in this are generally easy to answer. Lower response for the historic things. Time consuming. Secondary Research Advantages: This is time saving method. This can be used by any firm for the research. Sometime this depends upon the type of research which has to be conducted, for that case their advantages and disadvantages vary. Probably accurate. Disadvantages The main disadvantage is that there is no up to date and is collected over the time. And there may be changes in that data which has to be updated. Data may be in unsuitable format. The data is free to all and there no competitive advantages the organisation (Ghauri and Gronhaug, 2002) Qualitative and Quantitative Research   The table below outlines the differences between qualitative and quantitative data:  Qualitative Quantitative This research is based on words which are expressed in meaning. Based on derived  from numbers and data. Results collected are non-standardized and data require classification into categories and not in the numerical form. Result of collection is in the numerical form and data is standardized. Conceptualism is used for conduct the analysis. Analysis conducted through there is use   Ãƒâ€šÃ‚  Ãƒâ€šÃ‚  Ãƒâ€šÃ‚  Ãƒâ€šÃ‚  Ãƒâ€šÃ‚  Of diagrams and statistics. (Dey (1993); Healey and Rawlinson (1994), cited in Saunders et al (2003)) SELECTION OF METHOD: As I have the topic of mortgage system it will be suitable for my topic if I will go through mixture of both approaches i.e. both secondary and primary resources. This will be helpful in collecting the relevant data according to the need and will be useful in going to the depth of the research. On my part it is valuable to go through by considering the research onion. Regarding this I will concern both approaches for my research given by (Saunders and Thornhill in 2000). ETHICS: The main source of data collection methods for my research is quantitative method which is useful for collecting the facts and figure for my research. Moreover I have contacts in the both banks for collecting the information. The manager Of HSBC Bank is in contact with me and he agreed to assist me in providing information as per my requirement. In order to make my research more accurate I will use the secondary data and primary data sources as well. By this I can get all the information regarding the mortgage system of the both banks with the required form of data in order to take the comparison of the policies given by the both banks for the mortgage system they provided to their customers. For the guidelines I will do all the work under my supervisor and take suggestion and help of my supervisor time to time to complete my dissertation. SCOPE: The topic of mortgage system has wider scope in the present time as there is a great demand for the mortgage products in the current market position. The theory of my topic is controllable therefore I can do better by keep in mind the wider scope of my study. Even this will help me in future to get the good job in Banking Industry. .

Conflict Within Events And Leisure Organisations Essay

Conflict can be defined in various ways and has no single clear meaning. A broad definition of conflict is a serious disagreement or argument that generally continues for a long period of time, however according to Huczynski and Buchanan (2010) no conflict exists if two or more parties are not aware of any conflict. In terms of conflict within events and leisure organisations, De Dre and Beersma (2005) say that â€Å"conflict is best viewed as a process that begins when an individual or group perceives differences and opposition between him/herself and another individual or group about interests, believes or values that better to him or her.† Within organisations, the management of conflict greatly depends on the personality and characteristic of individual managers. It is â€Å"not possible for all human begins to live in peace and harmony all the time† (Martin, 2005, p.750), therefore conflict within the workplace is inevitable and can arise within events and leisure organisations for many reasons. Personal factors are the main factor contributing to conflict. Differences in values and beliefs can often create conflict, as individuals will have alterations about the underlying purpose of an organisation, and how each other should act toward one another and customers. Unique personalities can also create conflict as it can result in people struggling to get along with one another, and therefore a ‘personality clash’ will occur (Rollinson, 2008, p.418). 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Team Analysis Free Essays

Analysis of Team A Learning teams give individuals an opportunity to work together to achieve a goal or assignment. Our learning team members completed the charter to become familiar with individual strengths, areas they would like to improve and skills they can offer to the team while completing assigned tasks. The expectations we have to be successful are stated in the charter, along with methods to manage conflict if it occurs. We will write a custom essay sample on Team Analysis or any similar topic only for you Order Now Evaluating the team member’s self-assessments along with their contribution to the team charter will provide a basis to improve the performance of Learning Team A. Team Charter Becoming familiar with team members is the primary method to know the best way to manage the performance of a team. Completing the team charter provided the foundation for team members to express their thoughts and processes of an effective team. As a learning team we established some ground rules: necessity of a team leader, checking in with team frequently, expressing problems early on. Overall, the expectations appear to be similar among all team members: encouraging communication with team members, sharing equal responsibility for the assignments, requesting and accepting assistance when needed from other team members in order to complete an assignment on time. When these expectations are not met it could result in conflict. When conflict occurs, professionalism and a direct approach will work best to manage the situation; we agree this will allow the team members to resolve the matter and continue with assignment. Self-assessments We shared our results from the self assessments on trust, listening and personality types. The assessment on trust demonstrated how most of us have trust issues, except Michael appears to be more trusting of others, within the group. This indicates the need for us to ensure we communicate to our fellow team members our intentions and follow through, in order to build trust among each other to maintain adequate performance. Listening skills were also an assessment we performed individually; most of us were surprised to see we were not as good listeners as we thought. The scores were in the mid 40s, indicating we will need to make a concerted effort to listen to team members when communicating. Although, we are communicating in a virtual forum, it is still important for us to be aware of our weaknesses as listeners so when communicating online we avoid potential setbacks in our team performance from miscommunication. As for the Jungian personality type assessment, all the team members felt that it closely depicted them. Being aware of individual attributes or strengths will help to enhance the team’s performance by knowing what they can contribute. Larry is observant, cool, unpretentious and highly motivated. Although, we have not delegated a leader yet, I would choose him to lead our team. His personality will compliment the other personalities within the team and therefore facilitate the work that needs to be done. Michelle and Richard were assessed as problem solvers and highly conceptual, I see them as the team members that can address the problems that might delay completion of an assignment. Possibly, Michelle and Richard can ensure the assignment is broken down or develop a method to complete. Michael appears to have the personality that is out-going and a visionary. These skills compliment those of Michelle and Richard by providing innovative ideas, for instance, preparing presentations. My personality assessment represents a realistic and logical manner in which I deal with situations. This will provide the team some assurance I will keep team members informed of the assignments and progress of our team. Overall, I think we have a balanced group of personalities to ensure optimal performance as a team. Conclusion Learning team A will work together to complete assignments; the team charter defines the methods we will use to improve performance. Relying on the strengths and skills of the team members will improve the efficiency of the team. As a team, we are individuals with different personalities, strengths and weaknesses; How to cite Team Analysis, Papers

Brurrito Essay Research Paper Chris Cronk2nd hour free essay sample

Brurrito Essay, Research Paper Chris Cronk 2nd hr Writing for College Dr. Strauch Burrito Have you of all time been eating a burrito and had its full contents spill all over your apparels? When you were eating that burrito did it gustatory sensation instead bland? Well, allow me state you how we make a burrito the Taco Bell manner! It will alter your position on how you make burritos everlastingly. To do this burrito I am mentioning to, you must first obtain these undermentioned points: 1 bag of 10? -inch burrito shells, 1 can of refried beans, 1 bag of grated Cheddar cheese, 1 caput of boodle, 1 tomato, 1 white onion, 1 bath of rancid pick, ? lb of land chow, and 1 bottle of pacante sauce. ( You will non utilize all of the ingredients if you make merely one burrito. ) You must first happen the proper utensils and a suited topographic point to fix the nutrient. A cutting board would be best for the readying. We will write a custom essay sample on Brurrito Essay Research Paper Chris Cronk2nd hour or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page Besides gather together a frying pan, spatula, spoon, and a crisp knife. All of the ingredients must foremost be cut, cooked, and portioned before the assembly of the finished burrito. Cuting the veggies will be your following measure. Using the knife, take the caput of boodle and shred into little rectangles. Be careful non to cut yourself. Following set aside the boodle and take the tomato and onion. Slit them into centimetre broad balls and be certain non to blend together. If you prefer to hold the tomato and onion into smaller balls, merely cut smaller. Leave these ingredients separated for now, and set aside. It is now tim vitamin E to heat the meat and refried beans. Open your can of beans. Then take the spoon and put the beans in a micro-wavable container. Heat on high for 2-3 proceedingss. Leave in microwave when done so it stays hot. Following grab your frying pan and topographic point it on the range, so turn the range on high. After that, take your thawed land beef and topographic point in the frying pan. With the spatula, knock until it is a thin bed at the underside of the pan. Let sit for a minute, and so stir a small. Continue this procedure until the beef is dark brown. Turn off range and allow sit for the minute. You now have all of the indispensable ingredients needed to do a burrito the same manner as Taco Bell. All there is left to make is to do the burrito. First take a flour tortilla and lay it level on a home base. Spread 1.5oz of beans on the tortilla. Following put 1.5oz of land beef on top of the beans. Pour 1oz of pacante sauce over the center. Using your fingers, pinch about.50oz of boodle. Put the boodle in a line down the center so each bite you take will hold a small of everything. Following spoon onto the burrito.50oz of tomatoes and.50oz of onions. Try non to set them all in one topographic point either. Last of all dispersed.75oz of rancid pick as best you can over the whole thing. Roll the tortilla carefully, doing certain the ingredients wear? t autumn out. Fold the bottom upward. You are officially finished doing your first burrito! It may take a little more clip to do than Taco Bell, but it tastes the same and can be done for much cheaper! Use this formula clip and clip once more and you will ever hold a good burrito. Enjoy!

A Change in Direction free essay sample

â€Å"You’re cut.† These words hit me as if I were frozen in her path. Was she serious? What am I supposed to do now? It took time to sink in. I was confused. I’ve been on varsity for two years, and now I’m cut? I realized something other than volleyball needed to take control. Until this point, volleyball was my life. I know that sounds crazy, but it actually was. It took up every ounce of my free time. In the fall, it was volleyball daily until the end of late October. And in November, it was time for club. I practiced during the week and traveled nationally for weekend tournaments. I had been doing that since I was eleven, so by sixteen, it was normal. But now I was cut. And I didn’t know what to do. I repeatedly asked my parents, â€Å"Am I still supposed to play club?† The reply was always the same: â€Å"It’s up to you. We will write a custom essay sample on A Change in Direction or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page † I knew it was up to me, but I didn’t know what the best direction was. I decided to play club volleyball that November. But as the season went on, I realized it wasn’t as enjoyable as it used to be. The practices seemed longer, the tournaments seemed more frequent, and my free time seemed completely gone. After club season ended, I realized I wanted to do more with my life. I got a job that made me realize I enjoy working with kids. I joined Earth Club—I picked up garbage on the highway and planted trees in my community—and I learned how I can make a difference. I joined track and cross country, and gained a personal record in the 300 meter low hurdles and completed my first 4K. I saw there is a world outside of volleyball—a world I wasn’t exposed to—and I found being cut wasn’t as bad as I thought. The University of Wisconsin-La Crosse has a multitude of opportunities I could partake in. I will find a new job. I will join a club to help the La Crosse community. I will do something different and something other than volleyball. It’s time for me to continue on a new direction in my life, and I believe that UW-Stevens Point is the place to go.

White-collar crime vs. street crime essay

White-collar crime vs. street crime essay White-collar crime vs. street crime essay White-collar crime vs. street crime essayTo start with, both street crime and white-collar crime have the major consequences. Robberies, thefts, and vandalism are considered to be serious crimes committed every day in the streets. Anyone can become the victims of street criminals. Often these crimes are committed under the influence of alcohol or drugs since ‘crime culture consists of a group or groups of individuals who live outside societal norms’ (Lifers, 2004, p. 57). As a result, street crime is one of the most dangerous types of crimes. This is due to the fact that the situation on the streets of big and small settlements creates a psychological climate for the population living here and contributes to the formation of public opinion about the criminal situation in a particular locality, region, country as a favorable or unfavorable impact on the formation of public opinion about the activities of criminal justice and the government as a whole. In this context, it is evident that the study of the regional aspects of street crime often serves as the determinants of specific criminal manifestations.The most typical street crimes are the following:crimes against life and health (murder, bodily injury);crimes against sexual inviolability and sexual freedom (rape);crimes against property (theft, robbery, fraud);crimes against public security and public order (hooliganism, vandalism, illegal possession of weapons;crimes against public health (drug trafficking).In general, it is easier to prepare and to hide the committed crime in the city because the offenders can have more opportunities to use the proceeds of crime and to dissolve into the crowd of people. The development of the concept of ‘street crime’ has not only theoretical, but also practical significance. It is important to define the street boundaries, where the most typical and relatively resistant variants of criminal behavior can be found. Thus, one of the main elements of the scope of a city street is considered to be the predominant anonymity of communication and human behavior. Street criminals are basically young people with anti-social behavior formed on a background of alcohol or drugs, leading a parasitic way of life. Commonly ‘they have their own values, codes, practices, and principles that are oftentimes in direct opposition to the larger society’ (Lifers, 2004, p. 57). As a consequence, typical motives for street crime are to meet the need for purchasing alcoholic beverages or drugs.In addition to the above-mentioned information, it is possible to add that the determination of street crime is characterized by a complex and multi-layered character. In this connection, it is important to address the issues of determination of street crime and pay specific attention to the most important factors, such as the crisis in the economic, cultural, spiritual, legal spheres of today’s society. Consequently, ‘unemployment, rac ism, and discrimination plays in pushing people toward the criminal underclass,’ and thus, leading a parasitic way of life (Lifers, 2004, p. 57-58). As a result, these processes largely determine those currently existing negative social phenomena, such as alcoholism, drug addiction, vagrancy, etc., which are considered to be the major background in relation to the crime phenomenon.Given the above, we can understand street crime as a system of crime (against the person, against property, public safety, public order and public health), which is characterized by weak social controls, the passivity of citizens in regard to the prevention and suppression of criminal manifestations and anonymity of subjects of such relations.Warning street crime can be very effective and efficient when attracting people to prevent this type of crime. The forms of organization of the population may be different: the voluntary militias, which, incidentally, are recreated in most regions of the countr y, student (youth) operational units, community helpers, wardens and others. Attracting people to policing on the streets, the authorities implement a dual function: on the one hand, they increase the level of social control in the streets, and thereby reduce the potential for committing crimes, and on the other hand, they increase the legal awareness of citizens, the extent of their civil liability, form the right social views, and allow the population to feel their involvement in the work of criminal justice system.White-collar crimeTalking about white-collar crime, it is possible to say that in most instances this type of crime is financially more cost.   It is ‘estimated to cost the United States more than $300 billion annually (Berkeley, 2009, p. 201). However, this does not mean that white-collar crime does not cause harm to the individuals. In fact, it can inflict bodily harm upon people. For example, some corporations can be twice as deadly as a street offender, and thus, white collar crime can be even more dangerous than, for instance, street crime.White-collar crime is a type of crime carried out on the basis of belonging to a criminal number of persons acting as the representatives of governments, businesses, officers and officials. It is also widely known as fictitious economy (which is part of the informal economy), which refers to illegal activities employed in the formal economy agents associated with a hidden redistribution of legal income. This type of crime can include fraud, corruption, industrial espionage, tax evasion, false bankruptcy and others. This type of crime is considered to be the one that may do the most economic damage to our modern society among all other types of crimes. Also, white-collar crime is a violation of laws for the protection of the environment, bribery of officials in order to obtain lucrative contracts, and other forms of corruption. The multiple ways to deceive consumers in the production of goods, trade and services can also be understood as the types of white-collar crime. However, white-collar crime only in very rare cases becomes the object of criminal repression.In addition to intentional crimes committed in order to obtain property benefits, ‘white-collar crime’ is characterized by different   offenses related to criminal negligence, incompetence, violation of the technology of production, which can be very destructive to the individuals.The subject of this type of crime must have certain distinct features. The most important feature is one’s professional status, i.e. an official position and the fulfillment of certain administrative functions, as well as a high level of expertise within the field of economic activity. Actually, they are ‘crimes by individuals in prestigious positions’ (Champion, 2011, p. 35). On this basis, we can conclude that the subject of ‘white-collar’ crime is a senior officer or director of a legal entity (a person with some managerial responsibilities). In fact, ‘white-collar criminals have no special personality traits, and argue that these individuals are just ordinary people who view illegal activity as the most reasonable way out of a difficult financial situation’ (Watt, 2012, p. 5). Indeed, those people do not possess special personality patterns or unique characteristics; they are just the ordinary individuals with different prestigious positions and various managerial responsibilities.Hence, the object of this type of crime is the social relations in the sphere of economic activity and the normal functioning of the business. However, the state itself (represented by the authorities) can also serve as the major object of this type of crime. As a result, if the official organs of state power act as the subject of the economic crime, the damage is caused not only to individuals and institutions, but also to the entire system of state bodies in the form of undermin ing their authority.The investigations carried out by the law enforcement authorities usually do not end with the pursuit of practical ends, but on the contrary, perpetrators are brought to administrative responsibility. All the above features make it possible to formulate a clear definition of ‘white-collar’ crime as acquisitive crime being committed by senior officers, directors of legal persons, who possess high social status in the course of one’s occupation and professional activities and aimed at the interests of the state, society, businesses and individuals in the area of ​​economic activity and normal functioning of the business (Berkeley, 2009).Punishment for both types of crimeHence, it is possible to conclude that both street crime and white-collar crime have major consequences. Firstly, white-collar offences are understood ‘as equally serious as street crimes’ (Payne, 2012, p. 53) that have almost the same characteristics. However, their punishments are strongly different in many ways. By its nature, white-collar crime is a lot harder to detect because it takes many hours in order to build a case around it and they usually do not involve serious bodily harms or people’s deaths. In addition, they are ‘†¦difficult to prosecute because the perpetrators have access to sophisticated means to hide their activities and the wrongdoing can be hidden within legitimate economic activity’ (Berkeley, 2009, p. 201). Hence, they are referred to non-violent crimes motivated mainly by financial gain. If we are talking about the priorities, it is necessary to say that the law enforcements agencies are required to focus their particular attention on the violent crimes then, for instance, the property ones. The perfect examples of more violent crimes are street crimes that are understood as more visible. In this case, there are always the victims who have been seriously damaged or wounded. Hence, these crimes are given higher priority to prevent the offenders from committing the same crime again and again. As a result, the need to resolve street crimes and find the perpetrators is of great importance for law enforcement agencies.ConclusionThus, taking the above-mentioned information into consideration, it is possible to draw a conclusion that crime itself that accompanies us everywhere in our everyday lives is one of the main issues, which haunt today’s society. In this case, white-collar crime and street crime are both very serious offences against the individuals and the community as a whole. On a daily basis, people can hear of various rapes, robberies and murders. These particular crimes are called street ones. However, when we are talking about white-collar crime, it is possible to mention about cybercrime, fraud, corruption, false bankruptcy, industrial espionage, tax evasion, and others.   As a result, both crimes have their own victims and the effects of th ese crimes can be very destructive to the community. Both street crime and white-collar crime have major consequences. They both can inflict bodily harm upon people causing harm to the individuals. However, their punishments are strongly different in many ways. In fact, white-collar crime only in very rare cases becomes the object of criminal repression. In return, street crimes are given higher priority to prevent the criminals from committing the same crime again and again. As a result, the need to resolve these particular crimes and find the perpetrators is of great importance for law enforcement agencies.

The Similarities and Differences between Ijarah and Leasing Essay

The Similarities and Differences between Ijarah and Leasing - Essay Example Since the banking crisis around the world, many countries have shifted to an alternate banking system such as the Islamic banking system in which there is a mechanism of sharing profit and loss and using fixed service charges instead of interest charges which eases the pressure on the economy. Some prohibitions and certain guidelines have been drawn by the Shariah law, which makes a clear comparison between the conventional finance system and Islamic finance system. The unlawful charging of the interest, Riba, is the foremost concept that is prohibited by the Islamic Shariah, while it also prohibits gharar, an uncertainty in activities and has made gambling, Maisir, forbidden which makes it to differ from the conventional finance system in which interest is considered to be a common ground. In an Islamic term, Ijarah is an agreement to offer something for a lease, rent, or wage. According to a different meaning in Islamic fiqh, Ijarah is also referred to as a payment offered to a person for the services that were delivered by the same person. However, if the term Ijarah is considered in the setting of Islamic banking, it is referred to as the process of transference of a particular property from one person to another in exchange of a lawful return or rent from the owner. The procedure involves the lawful transference of the asset from the owner to the lessee and ends with the purchase of the leasing object. Ijarah in the context of Islamic banking is known as Ijarah Thumma Al-Bai or Ijarah Muntahia Bittamleek, which is a type of leased contract that can only be ended with the purchase of the leased asset. The paper discusses the two concepts relating to the finance system, the convention form of financing system and the Islamic way of financing. Moreover, the paper will discuss the leased contracts based on Ijarah, which is consistently being used by the Islamic institutions. Furthermore, the study will differentiate between the concept of Ijarah leasing and financial and operating leases. The study will also highlight the accounting systems which have been recommended by the Accounting and Audition Organization for the Islamic Financial Institutions (AAOIFI) and the International Financial Reporting Standards (IFRS). Lastly, the paper will give recommendations to conciliate between these approaches. Lease is defined as a rental agreement between the two parties in which the owner of the asset gives rights to the lessee to use the asset, and it would be the responsibility of the lessee to compensate timely and contractual payments to the lessor (Brealey et al., 2006(. There are many benefits in leasing over obtaining external borrowing or purchasing assets by making full payment, and it can benefit in terms of the saving of the taxes, costs associ ated with the use of assets, and mitigation of risks (Ross, Westerfield and Jaffe, 2005). Leasing can create a positive impact as it reduces the cost of financial distress and minimizes the chances of bankruptcy. Even if the lessee occurs to be a defaulter, the lessee would be given a higher priority than a creditor who just borrows money. Leasing generally helps in the sharing of inflation risk, business risk, and residual value risk. The residual value risk is considered to be the risk associated with the market value of the asset at the maturity date which can be transferred from the lessee to the lessor who has the authority to adjust the lease payments to cover the risk. If the lessor can earn an advantage from the secondary market, the lease payments

The life of Thomas Alva Edison a Historical Look Research Paper

The life of Thomas Alva Edison a Historical Look - Research Paper Example This happened after he was credit with the creation of the first research laboratory for industrial use in Menlo Park (Melosi, 2008). Some of his contribution included the phonograph, electric bulb, telegraph, kinetograph and alkaline storage batteries (Stross, 2007). His work has been remembered since his death in the year 1931. Early life Thomas was born on February 11 the year 1847 in Milan, Ohio. He was the youngest child in his family after his mother had lost two children in their early life. After being one of the first elites in the United States, he has had tremendous contribution to both technical and theoretical works. His life career was a business and inventor (Stout, 2008). He used his inventions to make money since at the time most of the Elites in the United States had started accumulating wealth. Due to their education, they had been respect in the society and most took this advantage to come up with new ideas of wealth creation. His hometown was a very busy one and contributed to his early works as a youth. However, after the railway bypassed Milan, it led to the fading of trade in the area. Trade was the main social activity and source of income. After trade had faded, Thomas and his family moved to Port Huron where they started a new life with hopes of better sources of income. In this new location, Thomas gained most of his early education from his mother who by then was a schoolteacher. Since it was her son’s life, she took great care of him and provided extensive education program. She was highly motivated by his son’s interest in science and external matters. He wanted to know how life was outside the Huron town. Early Career: a historical look At the age of 12, Thomas had some much interest in locomotives and especially due to reason that the railway had passed through his previous hometown. To learn more about the systems, he secured a job with a newspaper company to sell newspapers, novels, and magazines. This also motiv ated him in his reading during his free time. He visited the library several times to read books on science. After a short time selling newspapers, he started publishing his own newspaper known as the Weekly Herald. Due to his focus on railways, the paper featured railroad matters and hence attracted a large number of subscriptions from Grand Trunk. Profits from his newspaper publishing company were used to start a laboratory, which was to be used in science experiments. Unfortunately, he started losing his hearing caused by ear infections while he was a child. On scrutiny, he claimed that it was an asset since he did not have to hear what people told him as he slept. It also helped him during his reading sessions since there were no distractions for the outside. Profits from his newspaper publishing company were used to start a laboratory, which was to be used in science experiments. At the age of 24, he had already started a laboratory and factory across the Hudson River in Newark , New Jersey. He had carried out a research and noted that the people of Newark needed telegraph machines for their businesses to run well. His telegraph business started picking up after he added installations that made relaying of two messages to different lines at the same time possible. To increase the capital base, he made partnerships with the highest available bidders. His company became of Western Union’

Group marketing plan Essay Example | Topics and Well Written Essays - 500 words

Group marketing plan - Essay Example The college students with the state of Oregon will be the ultimate customers as the company seeks and evaluates new ventures. Campaigns that suit the students would be given the highest priority compared to the programs that cater for the general population. The specific actions that the management would take include sponsoring activities at Taylor’s Bar & Grill and Rennie’s Landing and encourage students purchase their products. The activities would include sponsoring a Mr and Miss College in the region, a campaign that would cost an estimate of $3,000 including the planning and awards to the winners. Students and those who would like to follow the event, will be required to purchase Hop Valley Brewing company products as their tickets to the event. This will be a one day event, starting in the morning and ending at night the same day. This event will play a significant role in promoting the company’s products. Organising for a games day will be another viable program to implement the marketing strategy of the company. It is all clear that college students and other young people either working or yet to join colleges have a unique like for games. Sponsoring a one day games events, that would be seasonal, is a great program for implementing the strategy and get the needed results. To participate in the games, students will be required to purchase Hop Valley Brewing company products as their tickets. The winners of the games will be given free products and encourage them to buy more of the products for future chances of participating in the games. There will be different beer stands run by the company’s agents throughout the games. Hop Valley Brewing Company management team will finally participate in a brewing festival, an event that brings thousands of customers together. The event that will be hosted at Portland, Oregon’s

Moving Object Detection Video Images Using Matlab Computer Science Essay

Moving Object Detection Video Images Using Matlab Computer Science Essay Moving object detection is an important research topic of computer vision and video processing areas. Detection of moving objects In video streams is the first relevant step of information extraction in many computer vision applications.. This paper puts forward an improved background subtraction of moving object detection of fixed camera condition. Then combining the adaptive background subtraction with symmetrical differencing obtains the integrity foreground image. Using chromaticity difference to eliminate the shadow of the moving target, effectively distinguishes moving shadow and moving target. The results show that the algorithm could quickly establish the background model and detect integrity moving target rapidly. Moving object detection is an important part of digital image processing techniques and it is the base of the many following sophisticated processing task such as target recognition and tracking, target classification, behavior understanding and analysis .Aside from the intrinsic usefulness of being able to segment video streams into moving and background components, detecting moving objects provides a focus of attention for recognition, classification and activity analysis. The technology has a wide application prospect such as smart monitor, autonomous navigation, human computer interaction, virtual reality and so on. This paper studies the method of obtaining the data of moving object from video images by background extraction. Object detection requires two steps: background extraction and object extraction. Moving object detection needs static background image. Since each frame of video image has moving object then background extraction is necessary. Each frame image subtracting the background image can get the moving object image. This is object extraction. Then the moving object detection can be achieved. This paper firstly introduces two moving object detection algorithms of fixed scenes frame difference method and moving edge method and analyzes their advantages and disadvantages, and then presents a new algorithm based on them, lastly gives the experimental results and analysis Background extraction of moving object Background extraction means that the background, the static scene, is extracted from the video image. Because the camera is fixed, each pixel of the image has a corresponding background value which is basically fixed over a period of time. Well known issues in background extraction include 1)Light changes: background model should adapt to gradual illumination changes. 2)Moving background: background model should include changing background that is not of interest for visual surveillance such as moving trees 3) Cast shadows: the background model should include the shadow cast by the moving objects that apparently behaves itself moving in order to have a more accurate detection of moving object shape. 4)Bootstrapping: the background model should be properly setup even in absence of a complete and static training set at the beginning of the segment 5) Camouflage: moving objects should be detected even if their chromatic features are similar to those of thebackground model. . Calculation of consecutive frames subtraction The method utilizes current two frames or the differences between the current frame and its previous frame to extract a motion region. In this paper, we adopt its improvement methods namely symmetrical differencing, that means image differences of the three current frames. This method can remove effects of unveiling background which is caused by motion, accurately obtain contour of moving targets. In the conventional background subtraction method, a fixed reference background model for the intended surveillance area is constructed in advance. The conventional background subtraction method extracts moving targets based on the difference between the current image and the reference background model. It works well for applications in controlled environments, in which a constant illumination scenario can be achieved artificially. However, for other visual tracking applications such as traffic monitoring and security/surveillance, the illumination conditions change over time so that a fixed reference background model is not realistic and may eventually lead to a detection failure. Consequently, construction and maintenance of a reliable and accurate reference background model is crucial in background subtraction based motion detection approaches. Figure 1 algorithm for background subtraction Typical moving object detection algorithms Frame difference method To detect moving object in the surveillance video captured by immobile camera, the simplest method is the frame difference method for the reason that it has great detection speed, can be implemented on hardware easily and has been used widely. While detecting moving object by frame difference method, in the difference image, the unchanged part is eliminated while the changed part remains. This change is caused by movement or noise, so it calls for a binary process upon the difference image to distinguish the moving objects and noise. Connected component labeling is also needed to acquire the smallest rectangle containing the moving objects. The noise is assumed as Gaussian white noise in calculating the threshold of the binary process. According to the theory of statistics, there is hardly any pixel which has dispersion more than 3 times of standard deviation. Thus the threshold is calculated as following: T â‚ ¬Ã‚ ½Ã¢â€š ¬Ã‚  u â‚ ¬Ã‚ «Ã¢â€š ¬Ã‚  3 ¶ While u is the mean of the difference image  ¶ â‚ ¬Ã‚  is the standard deviation of the difference image. The flow chart of the detecting process by frame method is shown in fig 2 Fig 2 Frame Differencing Method Moving edge method Difference image can be regarded as time gradient, while edge image is space gradient. Moving edge can be defined by the logic AND operation of difference image and the edge image . The advantage of frame difference method is its small calculation, and the disadvantage is that it is sensitive to the noise. If the objects do not move but the brightness of the background changes, the results of frame difference methods may be not accurate enough. Since the edge has no relation with the brightness, moving edge method can overcome the disadvantage of frame difference method. The flow chart of the detecting process by moving edge method is shown in fig 3 Fig 3. Moving edge method Improved Moving object detection algorithm based on frame difference and edge detection Moving edge method can effectively suppress the noise caused by light, but it still has some misjudgments to some other noise. This paper proposes an improved algorithm based on frame difference and edge detection. Upon analysis, the method has better noise suppression and higher detection accuracy. 1. Algorithm introduction The flow chart of the detection process by using the method based on frame difference and edge detection presented in this paper Fig 4. Improved Algorithm The steps of new algorithm presented in this paper are as follows. (1) Get edge images Ek-1 and Ek by edge detection with two continuous frames Fk-1 and Fk by using Canny edge detector. (2) Get edge difference image Dk by difference between Ek and Ek-1. (3) Divide edge difference image Dk into some certain small blocks and count the number of non-zero pixels in the block, and recorded it as Sk. (4) If Sk is larger than the threshold, mark the block is a moving area, otherwise it is a static area. Let 1 presents moving area and 0 presents static area, we can get a matrix M. (5) Do connected components labeling to M, and remove the connected components that are too small. (6) Get the smallest rectangles containing the moving objects. The algorithm has improved both the object Segmentation and object locating. .2 Object segmentation Object segmentation is to divide the image into moving area and static area. The algorithm presented in this paper will get the edge images first,then difference them to get the edge difference image. In thefinal image we get, the pixel value of background area equal to 0 and pixel value of the edge of movingobjects equal to 1. Now we will compare the difference between our algorithm and moving edge method (1) In moving edge method, assume two continuous frames are Fk-1 and Fk, background is B, moving objects are Mk-1 and Mk, and independent white noise is Nk-1 and Nk for two frames each. Then we can have So we can get the difference between two frames: Use Canny edge detection with frames Fk. We can get edge image Ek. Then we can get the result: EMk, ENk are edge images caused by Mk and Nk each. Define signal noise ratio is While SEM is the number of edges caused by moving objects, and SEN is the number of edges caused by noise. Then we know the SNR of the moving edge method is (2) In our method, we first get edge images by edge detector: Then by difference we get Since in the practical system, the difference between two edge images is absolute value of the difference value and the edges of two images are not the same when the objects are moving So actually in the edge difference image we can have the sum of the edges of two frames. Because the noise is independent and two frames are dependent with each other, we can have The SNR in our algorithm is It shows that the SNR in our algorithm is less than the moving edge method. Our method will work more efficiently. 3..Detection of moving cast shadows To prevent the moving shadows being misclassified as moving objects or parts of moving objects, this paper represents an explicit method of detection of moving cast shadows on a dominating scene background. These shadows are generated by objects between a light source and the background. Moving cast shadows cause a frame difference between two succeeding images of a monocular video image sequence. For shadow detection these frame differences are detected and classified into regions covered and regions uncovered by a moving shadow. The detection and classification assume plane background and a non negligible size and intensity of light sources. A cast shadow is detected by temporal integration of the covered background regions while subtracting the covered background regions. The shadow detection method is integrated into an algorithm for 2D shape estimation of moving objects. The extended segmentation algorithm compensates first apparent camera motion. then a spatially adaptive relax ation scheme estimates a change detection mask for two consecutive images. An object mask is derived from the change detection mask by elimination of changes due to background uncovered by moving objects and the elimination of changes due to background covered or uncovered by moving cast shadows. Experimental results and analysis In this paper, an improved moving object detection algorithm based on frame difference and edge detection is brought forward The operating environment is Windows XP. Programming environment is Matlab 8.0. Size of the sequence image is 640ÃÆ'-480. Partial stimulation results are as follows. From the results we can see that the improved moving object detection algorithm based on frame difference and edge detection has much greater recognition rate and higher detection speed than several classical algorithms. This algorithm will appear individual false under more complicated background.There is still room for improvement. V. Conclusion This paper presents an improved moving object detection algorithm based on frame difference and edge detection. This method not only retains the small calculation from frame difference method and the impregnability of light from edge detection method, but also improves in noise restraining. Meanwhile, it divides the image to small blocks to do connected component labeling, significantly speeding up the detection. Experimental results show that the algorithm has great recognition rate, high speed, and will be a good candidate for practical systems Acknowledgment I would like to thank my guide Prof.(Dr).A.P.Dhande the constant encouragement assistance he provided me at every stage of the preparation of this paper. I am very grateful to Mr.Mahesh Khadtare for his valuable suggestions and help during this paper implementation. .

The Excellence Of Women In Shakespearean Tragedy Essay -- William Shak

Excellence, from the root excellent, is the achievement of something extremely good in life. These achievements can be of a literary nature, or a cosmic nature, however the excellence that pertains to the coming essay, is that which is found within the female characters of Shakespearean tragedies. Despite the patriarchal ways of life during Shakespeare's age, he constantly conveys the ladies of his plays with nothing short of "excellent ... beauty, wit, and virtue." [Doran 135] Doran's article "The Idea of Excellence In Shakespeare" is a detailed work, which engages itself in the wide scope of Shakespearean sonnets and all his theatrical work concerning excellence. Doran says very frankly that due to Shakespeare?s representation of women, through his plays, it is very clear that he prides himself with excellence in general. Although Doran brings to our attention the importance, and possible disaster, of over emphasizing glorious attributes, the act of which is known as a hyperbole [134], Shakespearean females, even when denied fancy dialect and metaphors, still are able to expose their virtues of loyalty, honestly, love, and patience in most everything they do. Doran begins his detailed account of specific females with none other than Cordelia, but due to further argument I will pass over his analysis of Lear?s daughter and continue with his depiction of Desdemona. Doran introduces Desdemona by stating, ?[her] virtues are ? independence, honesty, loyal ty, and great generosity.? [147] Within a standard reading of Othello these characteristic are by no means shadowed, they are vividly portrayed in most, if not all, of her actions. Her independence is conveyed by her decision to marry Othello without the good grace of her ... ...ults are that of a divine member, a goddess. To conclude Shakespeare presents all his ladies as self-righteous, independent, loving women who deserve to be noticed. Each woman holds her own sense of excellence with regards to her virtues. In particular, Desdemona and Cordelia, especially rise up to the occasion. Both of these women know who they are, how they got to be who they are, what they want, and how to get what they want, nothing, I repeat nothing, explains the excellence of a women better than that. Work Cited Doran, Madeleine. ?The Idea of Excellence In Shakespeare.? Shakespeare Quarterly 27.2 (1976): 133-149. Greenfield, Thomas A. ?Excellent Things In Women: The Emergence Of Cordelia.? South Alantic Bulletin 24.1 (1977): 44-52. Harding, D.W. ?Women?s Fantasy of Manhood: A Shakespearean Theme.? Shakespeare Quarterly 20.3 (1969): 245-253.

Ezra Pound’s “In a Station of the Metro” Essay

Ezra Pound first published this poem in 1913, at a time when writers of poetry were trying to break from the traditional pentameters associated with their craft. This piece is an excellent example of Imagism, in which poets, instead of describing an image in detail , tried to use a minimal amount of words, and evoke an image by use of a well-written phrase. Pound uses haiku style of poetry in this piece which contains only 14 words- a stark contrast to the 20-30 lines from previous era of Victorianism. Pound once explained that he did not wish the heart of the poem to be in the first or second line- but to be the thought process that connects them. While this is a concept used in Imagism, it is more like the latter form he embraced- Vorticism. This categorization comes from the endeavor of the author to treat the poem as a piece of graphic art. Upon examination of the poem itself, it is interesting to note that no verbs are used in the poem, yet it conveys a sense of movement. His choice of the word â€Å"apparition† automatically makes the reader conjure images of mysticism and spirits, thus he begins his contrasts between the real and the unreal; the beautiful and the ugly; the mundane and the exotic. His contrast of nature versus man-made and the quick transition he makes is very typical of the Japanese haiku style. Interestingly he uses â€Å"petals† instead of flowers, giving it a softer, more feminine quality; thus the dark masculinity of the black bough is doubled. The comparison of these two is simultaneous with what the poet has seen on the railway platform- opposites that not only are extremes but that compliment each other. There is continued debate among scholars as to the true meaning of this poem and what Pound intended to convey when he wrote it. Nevertheless, they all have to agree that he did what he set out to do- transcend traditional form and make an eye-opening statement to his readers. References â€Å"Pound’s ‘In A Station of the Metro’: A Textual Note. † English Language Notes 8. 4 (June 1971). retrieved on June 16, 2009, from http://www. english. illinois. edu/ Maps/poets/m_r/pound/metro. htm Hishikawa, Eiichi â€Å"Ezra Pound† published by Kobe Univesity April 2004 retrieved on June 16, 2009 from http://www. lit. kobe-u. ac. jp/~hishika/pound. htm

Veterans essays

Veterans essays Veterans are those who have served in order to honor and protect their country. As these individuals boldly practiced their beliefs in freedom, they inadvertently rewrote history, and we as Americans honor these patriots who were willing to give the ultimate sacrifice. Veterans Day is the day that we set aside to honor those who served, but one day does not cover all the bloodshed. The day is not enough to show the appreciation which is due to the countless number of heroic men and women. The American people should do more to show respect to their veterans. After the many hard, sweaty days fighting the enemy with your friends dying all around you, the confrontation is finally over. A soldier gets to go home, but others will not be so lucky. This is what it means to be a veteran. Many people would just say it is putting on a uniform and carrying a gun against an enemy, but it is so much more than that. It is serving your country and standing up for what one believes is right. A veterans glory is not appreciated by the majority of the American people, because they do not understand all the heartache and pain that comes with the job. These heroes did not have to be asked to do what was right, or uphold their countries values. True, some were drafted to fight, but not one of these individuals would say it was not a life changing experience for them. The memory, whether happy or painful, will be permanently stuck with them for the rest of their lives. The men and women who helped shape the face of this country through their honor, legacy, and patriotism are those we call veterans. They are our dads, moms, uncles, brothers, and grandfathers. Yet, we constantly overlook their desire and passion for this country. The gratitude that they deserve is not shown towards them, as it should be. The way that the American people think that they sho ...

Architeuthis essays

Architeuthis essays The documentary of Architeuthis was about trying to learn more about these giant squid and also the journey to find one in its natural habitat. No person has ever documented the living existence of the creature. A few people have found washed up corpses of Architeuthis on shorelines. Never has one been found completely intact. The scientists tried to find out breeding habits, the lifespan of the squid, where they live, and so on. They are the archrival of the sperm whale. Many sperm whales have been found with giant gashes in their sides, more then likely from hunting Architeuthis. The program was very interesting, considering I was thinking about becoming a marine biologist. I learned what Architeuthis eats, also that it hunts sperm whale as well as the other way around. No one knows where these squid live and have never encountered a living specimen. So far the largest squid to wash up on shore has been measured sixty feet long, including tentacles. They also may produce millions of young, but the number is not set in stone, only hypothesized according to the size of the creature. Also the eyes of the squid are the largest found in the animal kingdom. The size of the eye is about the same as a human head. The reason for them having huge eyes is because they live in the ocean deep, where little sunlight makes it. Therefore large eyes would held drastically to help find food. The mouth of the squid contains a giant beak. The beak serves as teeth for the squid. The squid must eat constantly to keep up with its rapid growth. The arms of the squid ar e comparably as long as an anaconda. Located on the arms are hundreds of suckers along with teeth around the suckers. Finally the longest part of Architeuthis, are its tentacles. They serve as arms to pull in prey to the arms, which squeeze the prey so; the squid can tear up its prey with the beak. This article gave me a new respect for ocean life. Architeuthis has to...

The relationship between employee rewards and poor motivation in a Essay

The relationship between employee rewards and poor motivation in a Restaurant in the UK - Essay Example Interestingly, the same trend in turnover is also being observed in the United States (US) and in Germany (US Department of Labour, 2010; Endter, 2011). A number of factors were examined in various researches which tackled the issue of employee turnover. Blomme, Tromp, and Van Rheede (2008) suggested that performance rewards may be positive predictors of turnover; whereas, Robinson and Barron (2007) argued that low job satisfaction, not extrinsic rewards, are strongly associated with turnover. Theoretically, however, Jones, et al. (2003) maintained that recognition and appreciation, as well as a system of rewards, are necessary to boost employee motivation. In this regard, Walker and Miller (2010) consider incentive pay, bonuses and even non-monetary rewards to be effective modes of developing motivation, provided that the motivators used are congruent with employees’ needs and desires or that the motivators may be associated to their reasons for working. A look at the motivat or-hygiene or two-factor theory enunciated by Frederick Herzberg in the late 1950s posited that motivating factors are intrinsic elements of a job which lead to the satisfaction of an employee, while hygiene factors are the extrinsic elements of the work setting which cause dissatisfaction of an employee. ... Accordingly, Herzberg’s motivator-hygiene theory considered rewards system (i.e., salary and benefits as job dissatisfier; whereas Jones, et al. (2003) and Walker and Miller (2010) among others, believe otherwise. Moreover, Landy and Conte (2010) underscored the significance of examining the â€Å"level of success with various motivators to know how to increase or maintain work motivation for any individual† (p. 367). It is in the context of Landy and Conte’s assertion that this study is being proposed to investigate the relationship between employee rewards and motivation in a UK restaurant. Informal interviews with several employees in two branches of a restaurant in Bournemouth, UK revealed a prevailing attitude of discontent in their workplace among the staff. The interviewees confided that they are grossly dissatisfied with their pay, but they admitted they can not speak for the others. The series of casual conversations with a few restaurant staff provided the motivation for this proposed study. The research will verify the proponent’s position that there is a significant relationship between employee rewards and motivation among the employees in the two branches of the restaurant from the perspective that there is a positive link between satisfaction with the rewards system and the work motivation of the staff. If this relationship is confirmed, Herzberg’s theory that the rewards system is a hygiene factor and not a motivating factor will be disproved. Consequently, support can be gained for Walker and Miller’s (2010) confident assertion that â€Å"rewards are useful motivators† (p. 196). Staff satisfaction with the performance appraisal system, performance management system and the rewards

Western Site Visit and Paper Essay Example | Topics and Well Written Essays - 1500 words

Western Site Visit and Paper - Essay Example My visit to this mosque was on a Friday. I prepared myself and arrived at about 11.00 a.m. Since I was new, I sorted to get some directions on what is required of me while in the mosque. So I went straight to the offices and I was welcomed warmly by the occupants who were in the office. Mr. Abdul, who introduced himself as a teacher for weekend Islam classes took the pleasure to show me around the mosque and to teach me the basic about Islam. Below is the conversation that followed between me and Mr. Abdul. Abdul: I am very pleased to have you here today. First and foremost, I will start with the basic things that you need to know about this religion. Islam is built on five pillars. The first one is Shahadah, where a believer expresses his commitment and acceptance of Islam. The shahadah is "There is no God but God and Muhammad is the Messenger of God." Abdul: And Prophet Muhammad is his Messenger. And you also go by the next pillars. The second pillar is prayer, commonly known as Salah in Islam. In prayer, a person communicates directly with God. A person is supposed to pray five times in a day and the prayers must be conducted while you are facing Mecca. Abdul: Because is the holiest city in Islam and also God instructed the Prophet Muhammad to pray while facing Qibla which is in Mecca. All Muslims in the world prays while facing Qibla. The third pillar is Zakat which means alms-giving or offering Muslims give to the needy. The fourth pillar is to fast during the holy month of  Ramadan, known as Sawm in Islam. The fifth pillar is visiting Mecca for pilgrimage. In Islam it is called Hajj. Abdul: Okay, the mosque or Masjid is the prayer house. It is a holy place and before entering, one must remove his or her shoes, clean him or herself with water. This act of cleaning is called tawadhah. The mosque is divided into two parts from

Zara Strategy Essay Example | Topics and Well Written Essays - 3250 words

Zara Strategy - Essay Example Economic In spite of the eurozone crisis and economic recession, UK’s GDP has reduced to a mere 0.2 % compared to the overall industry growth, which has dropped by 0.6%.N According to eminent economists, the unemployment rate will increase to 9% in the coming two years. Around two million people will remain unemployed. The retail clothing market of UK is constantly increasing. According to Key Note report (2012), the UK market showed a 3.3% increase in 2011, and sales reached 43.1 billion pounds. Women’s garments were the largest sector in terms of sales revenue followed by men and children’s sector (Chakrabarti, Subramanian, Meka, & Sudershan, 2012). Social There has been a 7% rise in age group which represents the working population. Because of this, more people are now including formal clothing as their daily wear. This means that in future, Zara may also be required to change its portfolio, in order to match the growing needs of this ageing population. Due to the current economic crisis and budget deficit, the purchasing capacity of the consumers has reduced. Now, sustainable and normal living standard has become a challenge for the local people. To get rid of the difficult financial condition, the UK government has taken the policy of managed migration.... Technology Latest technological advances such as RFID, electronic data exchange and ERP, are used by most of the retailers in UK to decrease operation costs and enhance the value chain process (Pettigrew, 2006). According to the Science and Innovation Investment Framework (2013), there has been only 2% increase in investment in technological advances. This has made the investment condition in UK very inflexible Environment In order to meet the environmental norms, set by Kyoto Protocol, the industries need to reduce the percentage of carbon emission to a minimum of 9% from the present rate. According to the government protocol, the foreign countries in UK need to decrease their Carbon footprint to a minimum of 20% in the coming two years (Unfccc, 2013). Thus, in order to sustain in the market, Zara will have to follow the protocol in its value chain. Legal According to the economic freedom journal’s index, UK has been ranked seventh in terms of free economy (Index of Economic Freedom, 2013). It has also been praised by Wall street Journal for its business and economic sustainability. To solve any labour related issues, the country strictly follows the rules and regulations of European Union Labour Law. This indicates a necessary change in the HR policies and regulations of Zara’s business process to comply the EU Guidelines. Porter Analysis The major categories of apparent industry in UK are men’s wear, children’s wear, and women’s wear. The industry value can be calculated by using Retail Selling Price (RSP). Total Revenue of the Industry CAGR Women’s wear Men’s wear Children swear $54,495 million (2011) 2.1% 59.2% 26.9% 13.9% (Source: Marketline, 2012b) Growth potential of

Family and Cousin Essay Example for Free

Family and Cousin Essay Human behavior can be explored by taking a look at the different aspects of a person’s life. These aspects include the biological, psychological, social, cultural and spiritual. These aspects can help social workers better understand the background history of a person’s life and gather information in order to do an accurate assessment of a person. This paper does not intend to make an assessment but it’s rather an informative paper in order to discover and understand the various systems of a person’s life. Furthermore this paper will also focus on how these systems interact with one another. I chose to do this paper on my cousin who just became a mother and she is currently learning how to adapt to her new way of life. I think she is in an interesting stage in her life and that is also why I chose her. My cousin and I are only a year apart in age and she chose a different path from the one that is expected after she graduated from high school. She decided not to go to college and began to work doing random retail jobs until she found a permanent job as a hostess. We are so different now but a few years ago we did get along and had a lot of things in common. Her relationship with her mother has also changed and now that my cousin is a mother, they seem to understand each other better. BIO-PHYSICAL My cousin’s name is Carla Sanchez and she is twenty two years old and the youngest of three. She is 5’5 and before she had the baby she had lost so much weight but now she regained some of that weight back. She has dark long hair and dark brown eyes. Before she became pregnant she fell in love with her baby’s father and lost a lot of weight. During her teenage years she was not as determined to lose weight as she was when she was nineteen when she met her significant other. During her pregnancy her body went through some physical changes. She did not have impulsive cravings and she ate the foods she normally eats but in larger portions. She gained around sixty pounds and now she looks like the way she did before she lost the weight. Her weight when she was a younger child before the teenage years resembles that of her mother. My aunt had an average weight because she was not skinny but she was not overweight either. My cousin’s weight then was average like her mother’s because due to the genes that were passed down to her through her mother. My cousin’s baby is a girl and looks more like her father but she has my cousin’s straight hair. Now that it has been several weeks after childbirth my cousin plans and is determined to lose the weight again. She looks like her mother and both have a healthy mother and daughter relationship. She is very open-minded and very out spoken. Her mother is also an open-minded person. According to the biological determinism theory it is evident that a person’s personality and physical appearance is embedded into a child from birth trough genetics. My cousin’s parents divorced when she was a young child and therefore she has always been close to her mother and that is why my aunt has been able to greatly influence my cousin’s behavior. Most of her life she has been more attached to her mother. PSYCHOLOGICAL According to Erikson’s theories of psychological development my cousin is in the intimacy versus isolation stage. My cousin’s childhood and teenage years have passed by. All that is left of her childhood and teenage years are memories. She began working at restaurants during her high school years and has stayed with that career. She has gone from being a waitress when she was sixteen to a hostess. However she is thinking of going back to school because she was her daughter to look up to her when her daughter is older. My cousin did not get married and she is not living with her boyfriend. She lives at home with her baby and her mother. All her time is devoted to her baby however there have been times when she is overwhelmed with the task of raising a child and her mother helps her so that she can at least have some time to rest. According to Paiget my cousin is at the stage four which is based on formal operations. At this level problems are now approached using logic, reason and combinational thought. Also individuals at this stage with formal operations can think about their own thoughts, feelings and think about thinking. I think that at this point Paiget is focusing on how we can look back at our past and reflect. My cousin is able to do this now and she now reflects on how her mother raised her so that she can raise her daughter the same way. My cousin constantly worries whether or not she is raising her child in a proper way or to the extent that it is expected of a mother to raise her child. She lives with her mother and her mother helps her by giving her advice from how to comfort the child to how to give the baby a bath. My cousin’s friend had her baby before my cousin and when her friend met my cousin’s child she was also giving her advice on hoe to take care of the baby. She is acquiring knowledge on how to raise her child from people such as her mother that have had years of experience raising children. Her friend told her that she worries to whether she is taking care of her baby the right way. My cousin has to endure a psychological as well as physical adaptation. Paiget describes adaptation as the process by which structures of the mind develop over time to achieve a better fit with the environment and external reality. My cousin is still eating food in large portions as she did when she was pregnant but now she is drinking more milk because she chose to breastfeed her baby. Therefore she keeps gaining weight and is also stressed out. As far as her mental state she is stressed and cannot focus on herself because she is constantly thinking about the well-being of her baby. She worries just as much as other mothers do because she wants her baby to be happy. She said that her baby seems to be cranky most of the time and basically she is dedicating all her time to comfort the baby. My cousin had learned to adapt to her new role as a mother and she will need to keep up as the baby goes through different stages of her life. SOCIAL She has not been working since July and her social life is not as it used to be before she had the baby. However she was visited by her godparents and many friends when she brought the baby home. They have showered the baby with gifts and seeing how other people have acted towards the baby makes her happy. My cousin is trying her best to imitate her mother because she loves her mother and wants to follow her advice so that she can raise a happy child. According to the social learning theory behaviors are mediated by thoughts, expectations as well as emotions and stresses the importance of observational learning or modeling. In my cousin’s case she sees her mom as a model mom that she wants to imitate. As far as I know my aunt really sacrificed a lot so that my cousin’s could have a better life than the one she had. I have seen how selfless my aunt has been especially with my cousin Carla because she is the youngest one. My cousin wants the approval of her mother in everything she does because she has been very attached to my aunt. Her brother and sister live far away from them. My cousin has kept in touch with her fellow co-workers and many of them came to visit her when she brought the baby home. One of her friends who is a teacher and brought her a huge box of pampers. He also gave her some parenting advice because he, as a father of three, thinks that he has had enough experience with kids. He was very happy to see the baby and many of her friends came to see the baby as well. Even though my cousin has not gone out since she gave birth in November 30th, she has had her friends come over to her place to see the baby. However her weeks have turned into the same routine of just staying at home to take care of her baby. The baby’s father also visits her but not too often because their relationship is not in good standing. My cousin is trying to be the mother that society expects her to be but most importantly she is trying to imitate her own mother. My aunt is a fervent believer in the Catholic faith and she raised her children in the same faith as she was raised in. All of her three children were baptized, did the communions and attended mass on Sundays. Until this day my aunt does not miss a mass at her local church. Her children however have not been as devoted as my aunt has been. My cousin Carla stop attending church after her teenage years when she graduated from high school and spent her weekends working. However my aunt always tries to make sure that my cousin does not loose her faith. According to James V. Fowler’s theory of faith development my cousin is at the stage 5 which is the individuative-reflective faith. In this stage young adults question the beliefs and stories they have received from family, friends and other social groups. My cousin does not believe everything that my aunt was taught about Catholicism. For example my cousin did not get married and decided to raise a child as a single mother. My aunt did not approve of this because she was taught that a woman must be a virgin until she gets married. Her other daughter moved in with her boyfriend and then got married. My aunt did not approve of this either. My aunt believes that salvation is obtained by following the church’s sacraments but my cousin believes that no one really knows how to obtain salvation. She also thinks that God is everywhere and therefore she does not need to attend mass every Sunday. My aunt was raised in a very religious home and in her native country religion plays an important role in life but her children who were raised in the United States have found a way to practice their religion however way they think is the proper way. My cousin plans to baptize her daughter and she has picked the godparents already. My family is from Ecuador which is in Latin America so that makes us part of the Latino community. My cousin Carla was born in New Jersey. She had to learn about the Ecuadorian culture and the American culture. When she was a kid my aunt would travel with her and her other siblings to Ecuador so that they could visit their grandmother and learn their cultural roots. My cousin had to learn both languages English and Spanish. She now knows them fluently and this has helped her a lot because she was able to make a lot of friends. In Ecuador gender roles are so delineated. Men are expected to work and women are expected to stay at home raising the children. It is not common for females to work outside the home. Most females graduate from high school and after high school they start raising families. My cousin knows both cultures but since she was born and raised in the United States she identifies more with the American culture. When her baby gets older she expects to go back to work and even go back to school so that she can be able to provide a better living for both. She is a single mother but has learned a lot from her mother who got divorced from her husband when my cousin was a young child. In conclusion these several aspects of a person’s life help us understand how each one relates to the other and how they affect human behavior. Human behavior can be affected by the people we associate with and by the culture we are raised in as well as other factors. These several theories described in this paper are very helpful to understand why a person behaves a certain way.