About Negativity Essay Example for Free

About Negativity Essay Also, you gaze at it occur, as it happens directly before you, and state no. Simply, no. It cannot work out this way. Its shouldn't end this way. In what sort of messed up story does the trouble maker win? In what sort of story does the casualty end up in dismay that she never got the equity she merited. That is the point at which you understand youre the scalawag. However, no, different people not honest either, theyre the scoundrel as well. Theyre more regrettable than you, yet youre still the lowlife, since you let it arrive in such a state. Everythings your issue. What's more, you despise everybody. What's more, you detest yourself. What's more, you abhor everything. What's more, your so loaded up with despise that you simply need to end everything. And afterward you understand that in the event that you do that, youll be despised considerably more, and that acknowledgment makes you abhor them more, and theres just so much screwing loathe and no real way to end it. What's more, that loathe transforms into distress and disarray and pointlessness, and its unending truly. Furthermore, its as gruff as I simply put it since theres no other method to communicate melodiously when youre that agitated. Furthermore, in all the despise you feel murderous, self-destructive, neurotic, and appalling. Also, theres no chance to get out. See more: Examples of parody in undertakings of huckfinn article What's more, theres nobody to support you, in light of the fact that youre too humiliated to even think about sharing these terrible sentiments with anybody however yourself. What's more, youre your solitary friend, however it doesnt matter on the grounds that youre accustomed to it being that way. What's more, youre shaking, shuddering, wailing in your forlornness, not feeling frustrated about yourself like your blamed for however detesting yourself. No. It cannot be this way, the miscreant doesnt feel along these lines. Yet, the casualty doesnt loathe along these lines. What's more, you discover the fallen angels in your considerations, and youre only a casualty of yourself. Also, the pattern of contempt it begins once more.

How to Draw a Lewis Structure

The most effective method to Draw a Lewis Structure A Lewis structure is a realistic portrayal of the electron circulation around particles. The explanation behind figuring out how to attract Lewis structures is to anticipate the number and sort of bonds that might be conformed to a molecule. A Lewis structure additionally assists with making a forecast about the geometry of a particle. Science understudies are frequently confounded by the models, yet drawing Lewis structures can be a direct procedure if the best possible advances are followed. Know there are a few distinct procedures for developing Lewis structures. These directions diagram the Kelter technique to draw Lewis structures for particles. Stage 1: Find the Total Number of Valence Electrons In this progression, include the absolute number of valence electrons from all the iotas in the atom. Stage 2: Find the Number of ElectronsNeeded to Make the Atoms Upbeat A particle is viewed as glad if the molecules external electron shell is filled. Components up to period four on the occasional table need eight electrons to fill their external electron shell. This property is regularly known as the octet rule. Stage 3: Determine the quantity of bonds in the atom Covalent bonds are framed when one electron from every iota shapes an electron pair. Stage 2 tells what number of electrons are required and Step 1 is what number of electrons you have. Deducting the number in Step 1 from the number in Step 2 gives you the quantity of electrons expected to finish the octets. Each bond shaped requires two electrons, so the quantity of bonds is a large portion of the quantity of electrons required, or: (Stage 2 - Step 1)/2 Stage 4: Choose a Central Atom The focal particle of a particle is generally the least electronegative iota or the molecule with the most noteworthy valence. To discover electronegativity, either depend on intermittent table patterns or, in all likelihood counsel a table that rundowns electronegativity esteems. Electronegativity diminishes descending a gathering on the occasional table and will in general increment moving from left to directly over a period. Hydrogen and halogen iotas will in general show up outwardly of the particle and are once in a while the focal molecule. Stage 5: Draw a Skeletal Structure Associate the iotas to the focal particle with a straight line speaking to a bond between the two molecules. The focal particle can have up to four different iotas associated with it. Stage 6: Place Electrons Around Outside Atoms Complete the octets around every one of the external particles. In the event that there are insufficient electrons to finish the octets, the skeletal structure from stage 5 is mistaken. Attempt an alternate game plan. At first, this may require some preliminary a mistake. As you gain understanding, it will get simpler to anticipate skeletal structures. Stage 7: Place Remaining Electrons Around the Central Atom Complete the octet for the focal molecule with the rest of the electrons. On the off chance that there are any bonds left over from Step 3, make twofold bonds with solitary combines on outside particles. A twofold bond is spoken to by two strong lines drawn between a couple of molecules. In the event that there are in excess of eight electrons on the focal particle and the molecule isn't one of the special cases to the octet rule, the quantity of valence iotas in Step 1 may have been tallied inaccurately. This will finish the Lewis dab structure for the atom. Lewis Structures versus Real Molecules While Lewis structures are valuable, particularly when youre finding out about valence, oxidation states, and holding, there are numerous special cases to the guidelines in reality. Particles look to fill or half-fill their valence electron shell. In any case, iotas can and do shape particles that are not preferably steady. Sometimes, the focal particle can shape more than different molecules associated with it. Likewise, the quantity of valence electrons can surpass 8, particularly for higher nuclear numbers. Lewis structures are useful for light components however less valuable for change metals, including lanthanides and actinides. Understudies are advised to recollect Lewis structures are an important apparatus for finding out about and foreseeing the conduct of particles in atoms, however they are blemished portrayals of genuine electron movement.

Circus Mirror Effect Social Anxiety and Friendships

Circus Mirror Effect Social Anxiety and Friendships Social Anxiety Disorder Coping Print The Circus Mirror Effect: Social Anxiety and Friendships By Arlin Cuncic Arlin Cuncic, MA, is the author of Therapy in Focus: What to Expect from CBT for Social Anxiety Disorder and 7 Weeks to Reduce Anxiety. Learn about our editorial policy Arlin Cuncic Updated on March 23, 2018 Social Anxiety Disorder Overview Symptoms & Diagnosis Causes Treatment Living With In Children Colin Andersen/Getty Images Over a lifetime, most people have experienced looking at themselves in a fun-house mirror. Perhaps you looked really tall, really fat, maybe you were all zig-zaggy. But you knew that it was just an optical illusion and that when you stepped outside the fun-house, you were back to your normal self. What if that fun-house effect lasted 4 hours a day? What if you actually thought that was the way that you looked? A November 2014 study published in the Journal of Abnormal Psychology suggests that people with social anxiety disorder are stuck with those fun-house misperceptions 24 hours a day when it comes to how they view their friendships. The researchers were interested to examine perceptions of friendships both by people with social anxiety and their friends because we know that those with SAD tend to be biased in how they perceive situations. In other words, they tend to always view themselves in a negative light. They examined these issues among 77 people diagnosed with SAD, and 63 people from the community, and looked at both friendships in general, and specific friendships. Results of the study suggested that social anxiety disorder negatively affects self-perceptions of the quality of specific friendships, but that friends of people with SAD dont see the friendships in such a negative light. The effects of having SAD were most evident for younger people and those with shorter duration friendships. Were are there any differences reported by friends of people with SAD? Yes. They said they were less dominant in the friendship and less well-adjusted. Overall, these findings are consistent with what we know about SAD; it does affect friendships, but those with the disorder tend to blow those effects out of proportion. In other words, yes people think you are a little quiet and perhaps a little anxious, but they still enjoy having you as a friend! Digging a bit into some related research, we find that indeed these effects of SAD on friendships are supported. In another November 2014 study published in Anxiety Stress Coping, researchers found that among children aged 7 to 13 years, those with social anxiety disorder and their friends reported lower overall friendship quality than those with other types of anxiety disorders. In other words, while those with SAD may have blown-out-of-proportion negative perceptions of their friendships, there is indeed some unique impact of having SAD on these friendships, that doesnt occur with other types of anxiety. This makes sense, from the perspective that social anxiety is all about the fear of being around people! In a June 2014 study published in the Journal of Anxiety Disorders, researchers found that among children aged 7 to 12 years, children who gave a verbal presentation in an anxious manner versus a confident one were liked more when they acted confidently. However, this finding was significantly greater among those who did not have SAD than those who did. In other words, kids who were socially anxious were more understanding when other kids acted in an anxious manner, than were kids who didnt suffer from SAD. What does all of this mean if you experience social anxiety? Its possible other people like you more than you realize. However, you probably do have some impairments in your friendships that wouldnt be present if you had a different type of anxiety disorder. And, if you know other people with social anxiety, they probably understand you (and perhaps accept you) in a way that people without the disorder might not. Not to say that your friendships with non-anxious people arent good. In fact, they are probably much better than you realize. What can we do to improve friendships among people with SAD? In an August 2014 study published in Community Practice, a 12-week group intervention called FUN FRIENDS was shown to enable children aged 4 to 7 with symptoms of anxiety to become more self-sufficient, and in turn, develop greater emotional and social skills. From the FUN FRIENDS  website, the program helps kids to: normalize feelings of anxietylearn skills to cope with stress, challenges, and changeincrease emotional resilience and problem-solvingbuild friendships and support networksbuild confidence and self-esteem Through the program, children learn the importance of being a good friend to themselves (when they are feeling anxious) and how having friends can be of support when needed. The program is tailored for ages 4 to 16 and is delivered by teachers and other adult figures. If you have a child with social anxiety, you may wish to look into having this program implemented in your school. If you are an adult with social anxiety, you can use other strategies to work on the areas described above. For example, acceptance and commitment therapy may help you to normalize feelings of anxiety, while mindfulness meditation may help to increase your emotional resilience. When it comes to the importance of friendship and building social support networks, you may consider joining a support group specifically geared toward those with social anxiety. As described previously, those are the people are likely to be most understanding of the struggles that you face. The 7 Best Online Anxiety Support Groups

Circus Mirror Effect Social Anxiety and Friendships

Circus Mirror Effect Social Anxiety and Friendships Social Anxiety Disorder Coping Print The Circus Mirror Effect: Social Anxiety and Friendships By Arlin Cuncic Arlin Cuncic, MA, is the author of Therapy in Focus: What to Expect from CBT for Social Anxiety Disorder and 7 Weeks to Reduce Anxiety. Learn about our editorial policy Arlin Cuncic Updated on March 23, 2018 Social Anxiety Disorder Overview Symptoms & Diagnosis Causes Treatment Living With In Children Colin Andersen/Getty Images Over a lifetime, most people have experienced looking at themselves in a fun-house mirror. Perhaps you looked really tall, really fat, maybe you were all zig-zaggy. But you knew that it was just an optical illusion and that when you stepped outside the fun-house, you were back to your normal self. What if that fun-house effect lasted 4 hours a day? What if you actually thought that was the way that you looked? A November 2014 study published in the Journal of Abnormal Psychology suggests that people with social anxiety disorder are stuck with those fun-house misperceptions 24 hours a day when it comes to how they view their friendships. The researchers were interested to examine perceptions of friendships both by people with social anxiety and their friends because we know that those with SAD tend to be biased in how they perceive situations. In other words, they tend to always view themselves in a negative light. They examined these issues among 77 people diagnosed with SAD, and 63 people from the community, and looked at both friendships in general, and specific friendships. Results of the study suggested that social anxiety disorder negatively affects self-perceptions of the quality of specific friendships, but that friends of people with SAD dont see the friendships in such a negative light. The effects of having SAD were most evident for younger people and those with shorter duration friendships. Were are there any differences reported by friends of people with SAD? Yes. They said they were less dominant in the friendship and less well-adjusted. Overall, these findings are consistent with what we know about SAD; it does affect friendships, but those with the disorder tend to blow those effects out of proportion. In other words, yes people think you are a little quiet and perhaps a little anxious, but they still enjoy having you as a friend! Digging a bit into some related research, we find that indeed these effects of SAD on friendships are supported. In another November 2014 study published in Anxiety Stress Coping, researchers found that among children aged 7 to 13 years, those with social anxiety disorder and their friends reported lower overall friendship quality than those with other types of anxiety disorders. In other words, while those with SAD may have blown-out-of-proportion negative perceptions of their friendships, there is indeed some unique impact of having SAD on these friendships, that doesnt occur with other types of anxiety. This makes sense, from the perspective that social anxiety is all about the fear of being around people! In a June 2014 study published in the Journal of Anxiety Disorders, researchers found that among children aged 7 to 12 years, children who gave a verbal presentation in an anxious manner versus a confident one were liked more when they acted confidently. However, this finding was significantly greater among those who did not have SAD than those who did. In other words, kids who were socially anxious were more understanding when other kids acted in an anxious manner, than were kids who didnt suffer from SAD. What does all of this mean if you experience social anxiety? Its possible other people like you more than you realize. However, you probably do have some impairments in your friendships that wouldnt be present if you had a different type of anxiety disorder. And, if you know other people with social anxiety, they probably understand you (and perhaps accept you) in a way that people without the disorder might not. Not to say that your friendships with non-anxious people arent good. In fact, they are probably much better than you realize. What can we do to improve friendships among people with SAD? In an August 2014 study published in Community Practice, a 12-week group intervention called FUN FRIENDS was shown to enable children aged 4 to 7 with symptoms of anxiety to become more self-sufficient, and in turn, develop greater emotional and social skills. From the FUN FRIENDS  website, the program helps kids to: normalize feelings of anxietylearn skills to cope with stress, challenges, and changeincrease emotional resilience and problem-solvingbuild friendships and support networksbuild confidence and self-esteem Through the program, children learn the importance of being a good friend to themselves (when they are feeling anxious) and how having friends can be of support when needed. The program is tailored for ages 4 to 16 and is delivered by teachers and other adult figures. If you have a child with social anxiety, you may wish to look into having this program implemented in your school. If you are an adult with social anxiety, you can use other strategies to work on the areas described above. For example, acceptance and commitment therapy may help you to normalize feelings of anxiety, while mindfulness meditation may help to increase your emotional resilience. When it comes to the importance of friendship and building social support networks, you may consider joining a support group specifically geared toward those with social anxiety. As described previously, those are the people are likely to be most understanding of the struggles that you face. The 7 Best Online Anxiety Support Groups

Discrimination in the Criminal Justice System Essay

When you think of the criminal justice system, you think of justice being served to those who wish to threaten it. The criminal justice system is a very powerful system that protects our society but like society, it is not perfect. The justice system runs off of discrimination against race and gender It is believed that African Americans are the criminals, Caucasians are the victims, and women are too weak to even be in the system. Is this information accurate? I believe that crime should not be totally focused on minorities, although the media seems to portray it that way. There have been a lot of crime where a Caucasian was the mastermind and its workers who are African American get punished for those crimes. Society notices minorities†¦show more content†¦Criminals with no money, often minorities, cannot hire the lawyers needed to defend them so they will most likely be found guilty of the crime they committed. (http://www.law.umkc.edu/faculty/projects/ftrials/lapd/kingchronology.html) - summary Statistics have been made to show what races are linked to certain types of crime. The Uniform Crime Report has been made to show these types of information. However, these reports only show information about offenders that the crime was resulted in an arrest. This presents many issues because there are a lot of crimes committed that were not reported. Also, the UCR only shows crime reports linked to only four racial groups, Caucasian, African American, Native American, and Asian. There is also discrimination in the police force. According to Women and the Criminal Justice System, women are discriminated against when seeking a job in the police force (Wormer and Bartollas, 2007). Society and men who are already on the police force believes that women are too weak to carry out law and unable to capture criminals. This is an example of men being the dominant group over women. In society, women are known to be soft-hearted, loving, emotional and supportive. These characteristics make women look weak as a police officer. However, studies have shown that women are just as effective policeShow MoreRelatedDiscrimination And The Criminal Justice System1297 Words   |  6 PagesDiscrimination is a known concept that happens everywhere, yet police and prosecutors are blind to it. Their ways of preventing crime are discriminatory in every sense of the word and they categorize people based on their skin color and where they reside. The disproportionate minority contact w ith the stop and frisk method is one of the ways that discrimination can be seen. â€Å"Code of the Street† and â€Å"Law and Disorder in Philadelphia† help dissect why discrimination is not seen by police and theirRead MoreRacial Discrimination And The Criminal Justice System1725 Words   |  7 PagesRacial discrimination is defines as racism that implicates the credence in racial differences, which acts as a justification for non-equal treatment of members of that race. Also, this paper will be focusing on the race industry within the criminal justice system in all level law enforcement, courts and court system. Racial discrimination can be researched back in history its leading enablers take it as undisputable that the African American community has the highest number of incarceration ratesRead MoreRacial Discrimination And The Criminal Justice System1512 Words   |  7 PagesAlthough saying the criminal justice system is racist is a controversial statement, there is evidence and statistics that prove it to be true. Research and evidence validate the issue of racism to be undeniable. Equality and justice are out of reach with the racism that takes place in our criminal justice system and our country. Racial discrimination is prevalent amongst the African American culture in issues regarding drug use, and incarceration which creates unfair inequality for this race. I willRead MorePolice Discrimination And Disregard For The Criminal Justice System Essay1501 Words   |  7 PagesI believe that police discrimination and disregard for the Criminal Justice System is on the rise due to the fact the crime is on the rise and people wish to have an excuse to get away with it. One of the biggest cases of discrimination in the United States of America is discrimination against our police officers and our Criminal Justice System. In this paper, I hope to refute accusations against our officers and the criminal justice system and to call people to have a greater appreciation and supportiveRead MoreRacial Discrimination Within The Criminal Justice System1271 Words   |  6 PagesRacial discrimination is where an employer commits race discrimination when it makes job decisions based on race or when it adopts seemingly neutral job policies that disproportionately affect members of a particular race. Federal and most state laws prohibit workplace race discrimination. Title VII -- the federal law that prohibits racial discrimination of the U.S. Constitution and the Civil Rights Act of 1964 work in concert to ensure that each resident’s chances in the pursuit of happiness areRead MoreWhy Is Discrimination Within The United States Criminal Justice System1539 Words   |  7 PagesWhy is discrimination present in the United States criminal justice system? How is the system setup for people of color to fail? This social problem is interesting for many reasons. Many people believe that racism is still a key factor in today’s s ociety. The justice system, which should stand for equality and peace, in reality does spread the public’s beliefs of racism and an unfair justice system. 74.0% of blacks do not agree that the justice system treats people fairly and equally(Hurwitz andRead MoreCases And Labeling Theory : Case Analysis971 Words   |  4 Pagesagainst capital punishment which has pertained to an African American in the equal justice†(Baldus Study,2015). Another important case in our court system is the McCleskey v. Kemp. McCleskey was presumably charged with the murder of an officer in Kemp, which the cop was white and McCleskey was black. During this trail the court had argued that there has been observed to be discriminated in various cases throughout our system. Thanks to the evaluation of David Baldus in his study, we can see the positiveRead MoreDisparity and Discrimination Essay790 Words   |  4 PagesMany different situations occur within the criminal justice system. The situ ations that will be discussed in this essay are Pseudospeciation, bigotry vs. racism, hegemony, social construction, and disparity vs. discrimination. There will be definition on these terms. After defining the all terms, I will apply these terms to the criminal justice system using examples to illustrate the understanding of the definitions. Pseudospeciation Pseudospeciation begins with the fact that cultural differencesRead MoreRacial Inequality919 Words   |  4 Pagesdiscussed in the American criminal justice system. Although racial discrimination is present in the criminal justice system, some people use the words inequality, discrimination, racism, and profiling loosely and do not understand how truly complex it is to prove that there actually is racial inequality present in the criminal justice system. Daniel P Mears, Joshua C. Cochran, and Andrea M. Lindsey article Offending and Racial and Ethnic Disparities in Criminal Justice: A Conceptual Framework forRead More Is The Criminal Justice System Racially Biased? Essay1743 Words   |  7 Pages Is the Criminal Justice System Racially Biased? Most criminologist use two sources of criminal justice data in the United States: the Uniform Crime Reports (UCR) and the National Crime Victimization Surveys (NCVS). The URC data is made from law enforcement agencies and include crime incidents reported to or obtained by the police. NCVS data is obtained from a very complex national survey of a sample of homes and provide information about crime incidents and victims for both reported and unreported

Market Structure And Competition In The Banking Sector Finance Essay - Free Essay Example

Sample details Pages: 10 Words: 3090 Downloads: 6 Date added: 2017/06/26 Category Finance Essay Type Research paper Did you like this example? The rapid economic convergence of Spain in the European Union in the last decade has been mirrored by an equally rapid expansion of its banking industry the Spanish banking sectors total assets over GDP expanded from 70 to 80 percent of the EU average. At the end of 2007, total assets held by the banking sector amounted to 280 percent of GDP; 110 percentage points higher than in 1997. Don’t waste time! Our writers will create an original "Market Structure And Competition In The Banking Sector Finance Essay" essay for you Create order The Spanish banking sector comprises four types of institutions: (Bank of Spain, data available at 13 April 2010) ÃÆ' ¢Ãƒ ¢Ã¢â‚¬Å¡Ã‚ ¬Ãƒâ€šÃ‚ ¢ Commercial banks 154 entities, accounting for 54 percent of total credit institutions assets, of which 53 are Spanish-owned, 17 are subsidiaries and 80 are branches of foreign institutions. Domestic banks are generally market-traded entities mostly engaged in retail banking; ÃÆ' ¢Ãƒ ¢Ã¢â‚¬Å¡Ã‚ ¬Ãƒâ€šÃ‚ ¢ Savings banks (Cajas) -46 entities, with a market share of 40 percent. They are not for profit foundations with strong local government and/or autonomous communities participation. They are not listed or traded in the stock market. ÃÆ' ¢Ãƒ ¢Ã¢â‚¬Å¡Ã‚ ¬Ãƒâ€šÃ‚ ¢ Cooperative banks 83 entities, with a market share of 4 percent. They are organized under the umbrella of Banco Cooperativo Espaol. They provide services based on membership, but can also offer some financial services to third parties as do other credit institutions. ÃÆ' ¢Ãƒ ¢Ã¢â‚¬Å¡Ã‚ ¬Ãƒâ€šÃ‚ ¢ Specialized credit institutions (SCIs) 69 entitites, with a market share of 2 percent. Although carrying out most of the activities of credit institutions, they are prohibited from receiving repayable funds from the public in the form of deposits, loans, temporary assignment of financial assets, or other comparable instruments. Mergers of savings banks, or cajas, are subject to respective regional governments approval. Cajas cannot be purchased by private individuals or institutions due to their legal nature, but they can acquire other companies and credit institutions. Nevertheless, cajas assets and branches can be purchased by individuals, private companies and commercial banks. For more details, see FSAP (2006) Technical Note on Regulation, Supervision, and Governance of Spanish Cajas, (IMF Country Report No. 06/215). September 2010 European central bank Market structure indicators, such as the Herfindahl Index or the share of total assets of the five largest institutions, indicate that the d concentration in Spain, albeit increasing, has remained one of the lowest in the EU (Table ÃÆ' ¢Ãƒ ¢Ã¢â‚¬Å¡Ã‚ ¬Ãƒâ€šÃ‚ ¦.). A number of studies have investigated banking competition in Spain and results tend to indicate that, on average, banking competition in Spain is intense, including in comparison with that in peer countries. 51. Alongside commercial banks, savings banks have been a major force in extending services and in fostering competition. Since reforms in late 1970s, savings banks have gradually reduced their regional specificity and expanded their range of activities.53 Many medium-sized savings banks have strengthened their national presence becoming solid competitors to commercial banks. Their market share has steadily increased from 35 percent in 1999 to 40 percent in 2007. 52. With the exception of the two largest players, the Spanish banking system remains essentially domestic (Table 3). After building up franchises in Latin America, Santander and BBVA have expanded in other markets as well. Santander is now a significant player in the U.K. (Abbey National PLC and Alliance Leicester PLC),54 in pan-European consumer finance, and a smaller participant in the US (Sovereign Bank). BBVA has a non-negligible presence in the U.S., mainly through Compass Bankshare. Foreign activities are estimated to account for nearly half of both institutions earnings in 2008. Other banks have small subsidiaries outside Spain, such as Banco Popular (Portugal and Florida), Caja Madrid (Mexico), and Banco de Sabadell S.A. (Mexico and Florida), while La Caixa (caja from Catalonia) has expanded internationally with acquisitions of Mexicos Grupo Financiero Inbursa and Hong-Kong based Bank of East Asia. B. Main Trends 53. Convergence associated with EMU entry spurred a credit boom that abruptly ended with the outbreak of the global financial crisis in mid-2007. Interest rate convergence, both in anticipation of and since EMU membership, fueled domestic credit growth (Figure 4). Over the period 1997-2007, credit to the non-financial private sector has increased at an average of 17 percent; about two-and-half times nominal GDP growth. 54. Credit expansion was especially pronounced in the construction and real estate market. Bank activity has gradually shifted away from interbank lending and lending to the government and the manufacturing sector, to financing construction and real estate activities (Figure 5). As of end-June 2008 exposure to real estate financing amounted to 60 percent of total credit to the nonfinancial private sector, compared to 40 percent in 1997. While savings banks have the highest exposure, commercial banks are those that most significantly reoriented their domestic activity. Increased competition for lending to real estate developers has led some institutions to take on added risks by forming joint ventures with real estate developers-banks granting loans and sometimes taking an equity stake. It is estimated that this type of lending exceeds the equivalent of 5 percent of Tier 1 capital on average, and can reach as high as 80 percent of Tier 1 in specific cases.55 53 As part of the deregulation process, savings banks were allowed to carry out universal banking activities starting in 1977. 54 Amid the U.K. banking crisis, Santander also bought the branches and deposits of Bradford Bingley. 39 55. Since growth in customer deposits has not kept pace with domestic credit expansion, banks have increasingly tapped international capital markets. Between 1997 and end-2007, domestic deposits grew at an average rate of 12 percent, thus financing only part of the credit expansion of 17 percent. As a result, the loan-to-deposit ratio climbed well above the Euro-area average. Securitization facilitated access by credit institutions to foreign savings (Figure 6). Credit institutions have established securitization funds, which in turn have issued their own securitization bonds, mainly covered mortgage bonds (cdulas hipotecarias, CH). Given the soundness of the issuer, the quality and size of the mortgage portfolio, and the level of over-collateralization, resulting from sound regulation, these securities were attractive to foreign investors.56 Outstanding balances of Spanish 55 Moodys April 2008. 56 The new Mortgage Law (Law 41/2007) further strengthens the regulatory framework of CH; in particular: (1) it creates a special register for all mortgage loans and credits forming the collateral; (2) it reduces the loan-to-value ratio for commercial mortgage loans from 70 to 60 percent while keeping the one for housing loans at 80 percent (both ceilings may rise respectively to 80 and 95 percent if there are appropriate and sufficient additional guarantees); (3) it increases the minimum legally required over-collateralization from 11 to 25 percent; and (4) it provides for the possibility of including specific liquid and low-risk assets in the pool of collateral underlying the CH issue (up to 5 percent). from ÃÆ' ¢Ãƒ ¢Ã¢â€š ¬Ã… ¡Ãƒâ€šÃ‚ ¬18 billion (3 percent of GDP) in 2000 to ÃÆ' ¢Ãƒ ¢Ã¢â€š ¬Ã… ¡Ãƒâ€šÃ‚ ¬350 billion (33 percent of GDP) in 2007.57 Spanish CHs currently represent the second biggest Jumbo segment in European covered bonds after the German pfandbriefe.58 56. In recent years, the Spanish banking industry has enjoyed significantly higher profitability than EU peers, despite lower leverage (Figure 7). While high volumes of intermediation have contributed to this result, higher trading and fee income as well as enduring cuts in operating costs have been important drivers. 57 It is important to note that the Bank of Spain has adopted stringent criteria regarding risk transfer and control of special purpose entities. Both steps have reduced drastically the incentives for off-balance sheet securitization and the resulting capital relief opportunities. 58 Jumbo issues amount to at least a billion euros. 57. To gauge the contribution of different factors, an algebraic breakdown of banks return on equity (ROE) has been undertaken (Box 2, Figure 8). The results indicate that while savings banks financial strength (net income over net operating income) has remained broadly unchanged, commercial banks and cooperatives have experienced some decline in this indicator in the last years, mainly reflecting provisioning expenses and write-downs. In the case of commercial banks, this development has been partially compensated by continuous improvements in cost efficiency whereas savings banks and cooperatives have witnessed some increase in the burden of their administrative expenses, consistent with the expansion of their branch networks. While increasing leverage ratios may have weighed on credit institutions vulnerability to shocks, improving (or undiminished) risk-adjusted asset productivity, more prudent risk strategies (as indicated by declining risk-weighted to total the impact of the ongoing global financial turmoil 59. The outbreak of the financial crisis in summer 2007 has severely affected the operating model of the Spanish banks. With wholesale funding drying up, Spanish banks have started restructuring their balance sheets. On the asset side, credit institutions have slowed lending growth and tightened credit standards. On the liability side, they have tapped more extensively ECB refinancing facilities by doubling access from ÃÆ' ¢Ãƒ ¢Ã¢â€š ¬Ã… ¡Ãƒâ€šÃ‚ ¬22 billion in the pre-crisis period to ÃÆ' ¢Ãƒ ¢Ã¢â€š ¬Ã… ¡Ãƒâ€šÃ‚ ¬49 billion recently. Since other banking systems also expanded their recourse to the ECB, Spain access has remained broadly in line with that of Euro-area total assets (Figure 11). Banks have also competed fiercely for customer deposits, largely at the cost of redemptions from mutual funds. 60. Banks operating environment has deteriorated more rapidly and severely than expected. Given their retail-oriented nature, Spanish banks have not been directly affected by the US subprime crisis and its ramifications.60 Nevertheless, they have to face with the bleak economic situation. Domestic economic slowdown and banks deleveraging have been mutually reinforcing. Households and the corporate sector are highly indebted. Unemployment is rising. The housing market is rapidly cooling off. The corporate sector is facing increasing cash-flow and liquidity problems. Several large real estate developers have filed for bankruptcy. Against this environment, NPLs have increased rapidly but from a very 60 Spanish banks total direct gross exposure to Lehman was estimated at US$700 million, with BBVA having the largest exposure with US$100 million. However, both Santander and BBVA were caught off guard by the Madoff fraud scandal. While Santanders direct exposure was reportedly minimal (ÃÆ' ¢Ãƒ ¢Ã¢â€š ¬Ã… ¡Ãƒâ€šÃ‚ ¬17 million), Santanders clients who invested in the banks Optimal Strategic hedge fund, had an exposure of ÃÆ' ¢Ãƒ ¢Ã¢â€š ¬Ã… ¡Ãƒâ€šÃ‚ ¬2.3 billion. BBVA reported ÃÆ' ¢Ãƒ ¢Ã¢â€š ¬Ã… ¡Ãƒâ€šÃ‚ ¬ 300 million losses from its activities related to Madoff Investment Securities. low base.61 Loans to the construction and real estate sectors have witnessed the most marked deterioration (Figure 12). As a result, savings banks have been most affected owing to their large exposure to the real estate sector. While banks provisions are still at a comfortable level, the extra cushion provided by dynamic provisioning is falling rapidly. 61. As a consequence, and despite broadly positive results in 2008, market sentiment on Spanish banks has turned mixed. While Santander and BBVA continued to record high net income in line with market expectations, their stock prices have declined significantly, reflecting generalized market risk aversion and in anticipation of very difficult market conditions yet to come (Figure 13). When the financial turmoil heightened in the autumn, their CDS spreads trended above those of (retail) peers (investment banks fared much worse), 61 As of end-2007, NPLs amounted to less than 1 percent of total loans; half of the EU average. mainly owing to the sharp deterioration in the Spanish economic outlook and their large exposures to emerging markets, especially in Latin America. Since then, however, CDS spreads have returned in line with those of retail peers, in part helped by the two institutions successful market-based capital increases.62 Small banks and savings banks have been 62. Like other European countries, the Spanish government has taken a number of exceptional measures to shore up confidence in the financial system (Box 3). As part of the package, the Spanish government established a ÃÆ' ¢Ãƒ ¢Ã¢â€š ¬Ã… ¡Ãƒâ€šÃ‚ ¬30 billion fund (which may be raised to ÃÆ' ¢Ãƒ ¢Ã¢â€š ¬Ã… ¡Ãƒâ€šÃ‚ ¬50 billion)-Fondo para la Adquisicin de Activos Financieros (FAAF)-to provide liquidity to the banking sector by purchasing, on an outright or temporary basis, high quality bank liabilities (asset-backed securities with 3-5 year maturity). Box 3. Spanish Government Assistance to Banks Following the common framework agreed by euro-area countries, the Spanish government has taken the following exceptional measures: ÃÆ' ¢Ãƒ ¢Ã¢â‚¬Å¡Ã‚ ¬Ãƒâ€šÃ‚ ¢ The limit of the deposit guarantee was raised from ÃÆ' ¢Ãƒ ¢Ã¢â€š ¬Ã… ¡Ãƒâ€šÃ‚ ¬ 20,000 to ÃÆ' ¢Ãƒ ¢Ã¢â€š ¬Ã… ¡Ãƒâ€šÃ‚ ¬ 100,000.1/ ÃÆ' ¢Ãƒ ¢Ã¢â‚¬Å¡Ã‚ ¬Ãƒâ€šÃ‚ ¢ A ÃÆ' ¢Ãƒ ¢Ã¢â€š ¬Ã… ¡Ãƒâ€šÃ‚ ¬ 30 billion fund (which may be raised to ÃÆ' ¢Ãƒ ¢Ã¢â€š ¬Ã… ¡Ãƒâ€šÃ‚ ¬ 50 billion) was established to purchase high quality asset-backed securities issued by credit institutions: the FAAF.2/ The operations can take the form of outright purchases or long-term swap operations (12 months or longer). Asset eligibility is slightly different in the two cases. In particular, outright purchases can be carried out for CHs and securities backed by CHs issued before October 10, 2008, traded (or in the process of being traded) in a regulated market, carrying a triple-A rating, and with a maturity no longer than the one specified in the auction. In the case of swap operations eligible assets comprise CHs and securities backed by CHs, or credit to individuals or non-financial companies and institutions provided that these securities have been issued after August 1, 2007, meet the ECBs eligibility requirements, and carry at least a rating of double-A. The FAAF consists of two separate portfolios; one for each type of operations. To safeguard a sufficient diversification, the FAAF cannot allocate more than 10 percent of its resources in each portfolio to a single entity. The FAAFs operations are conducted through an American-Type Auction; a fraction may also be allocated through non-competitive auctions. In each auction, individual allotments cannot exceed the lowest between the above-mentioned 10 percent limit of FAAFs portfolio and the result of the product between 2.5 times a credit institutions share in total credit to the domestic non-financial private sector and the amount offered. ÃÆ' ¢Ãƒ ¢Ã¢â‚¬Å¡Ã‚ ¬Ãƒâ€šÃ‚ ¢ Government guarantee may be provided for credit institutions new debt issues. The amount of the scheme approved in 2008 is ÃÆ' ¢Ãƒ ¢Ã¢â€š ¬Ã… ¡Ãƒâ€šÃ‚ ¬ 100 billion to be used by mid-December 2009.3/ A possible additional ÃÆ' ¢Ãƒ ¢Ã¢â€š ¬Ã… ¡Ãƒâ€šÃ‚ ¬ 100 billion might be allotted in 2009 if market conditions do not improve. As agreed within the EU, the pricing depends on debt maturity, CDS spreads, and rating of the originators: Table 4. Spain: Pricing of the Government Guarantee Maturity Commission Fee Less or equal to 1 year Flat fee of 50 bp. Greater than 1 year Flat fee of 50 bp plus: ÃÆ' ¢Ãƒ ¢Ã¢â‚¬Å¡Ã‚ ¬Ãƒâ€šÃ‚ ¢ For beneficiary institutions with CDS data; the lowest between: 1) the median of the 5 year CDS spreads calculated over the period January 1,2007 August 31, 2008; 2) 36.5 bp for institutions with AA rating; 3) 44.8 bp for institutions with A rating. ÃÆ' ¢Ãƒ ¢Ã¢â‚¬Å¡Ã‚ ¬Ãƒâ€šÃ‚ ¢ For beneficiary institutions without CDS data, or without representative CDS data, but with a credit rating: 1) 36.5 bp for institutions with AA rating; 2) 44.8 bp for institutions with A rating. For beneficiary institutions that are not comprised in the previous two categories, 44.8 bp plus a supplementary annual fee of 10 bp. ÃÆ' ¢Ãƒ ¢Ã¢â‚¬Å¡Ã‚ ¬Ãƒâ€šÃ‚ ¢ If necessary, credit institutions re-capitalization may be carried out through the governments acquisition of non-diluting instruments such as preference shares.3/ - 1/ Royal Decree 1642/2008, October 10, 2008. 2/ Royal Decree Law 6/2008, October 10, 2008. 3/ Royal Decree Law 7/2008, October 13, 2008. The impact of the credit system The real estate crisis has had an inevitable impact on the banking system. At the end of 2009, loans to this sector were classified as a bad debt of 9.6% of loans (ÃÆ' ¢Ãƒ ¢Ã¢â€š ¬Ã… ¡Ãƒâ€šÃ‚ ¬ 43 billion), but still far from a high incidence reached 13% in 1993. A special investigation by the Central Bank, however, stressed that to have a complete picture of the situation must also add to the suffering of ÃÆ' ¢Ãƒ ¢Ã¢â€š ¬Ã… ¡Ãƒâ€šÃ‚ ¬ 59 billion of other loans uncertain recovery, ÃÆ' ¢Ãƒ ¢Ã¢â€š ¬Ã… ¡Ãƒâ€šÃ‚ ¬ 60 billion of real estate acquired by banks in payment for loans in the past and ÃÆ' ¢Ãƒ ¢Ã¢â€š ¬Ã… ¡Ãƒâ€šÃ‚ ¬ 4 billion of loans already written off entirely (write-offs). In short, the downturn in the property sector is thus weigh on the banking sector to ÃÆ' ¢Ãƒ ¢Ã¢â€š ¬Ã… ¡Ãƒâ€šÃ‚ ¬ 165 billion, 37% of total loans to this sector. Although this is a significant amount, it should not result in system-wide problems of stability since the specific provisions cove ring these loans to 26%, rising to 35% if you add the general provisions available. The Bank of Spain also estimated that the overall coverage may be increased to 70% if the operating income in 2010 was only equal to that of the previous year. With the exception of finance companies in the real estate sector (about 18% of the loan portfolio), the quality of the portfolio of Spanish banks as a whole appears reasonable given the severity of the economic situation. A crisis manageable According to the research department of BNL, the situation of Spanish banks is attracting too much attention, perhaps especially when compared with the weakness shown by other European banking systems, such as is the case of Germany. Despite an increase of 65% of provisions, the Spanish banking system ended 2009 with net profits (nearly ÃÆ' ¢Ãƒ ¢Ã¢â€š ¬Ã… ¡Ãƒâ€šÃ‚ ¬ 20 billion) in limited flexion (-20%), achieving a non-marginal increase of the two main indicators patrimonalizzazione (tier 1 to 9.7% an increase of 1.3 percentage points to 8.1% core tier 1 an increase of 1 percentage point). Detail is not secondary, the increase of these two reports is due entirely to increase the number (net worth +13%) compared to a denominator (risk-weighted assets) remains unchanged. Even the effect of this increase, ROE (Return on Equity) fell by almost three percentage points, ranking still 9%, the highest level in Europe (3.6% in the case of Italy). crisi edilizia Le ripercussioni sul sistema creditizio La crisi del settore immobiliare ha avuto un inevitabile impatto sul sistema creditizio. A fine 2009 i prestiti a questo settore classificati in sofferenza risultavano pari al 9,6% dei prestiti erogati (ÃÆ' ¢Ãƒ ¢Ã¢â€š ¬Ã… ¡Ãƒâ€šÃ‚ ¬ 43 mld), unincidenza elevata ma comunque lontana dal 13% toccato nel 1993. Una apposita indagine della Banca Centrale, tuttavia, ha messo in rilievo che per avere una completa rappresentazione della situazione bisogna aggiungere alle sofferenze anche ÃÆ' ¢Ãƒ ¢Ã¢â€š ¬Ã… ¡Ãƒâ€šÃ‚ ¬ 59 mld di altri prestiti di incerto recupero, ÃÆ' ¢Ãƒ ¢Ã¢â€š ¬Ã… ¡Ãƒâ€šÃ‚ ¬ 60 mld di propriet immobiliari acquisite dalle banche in pagamento per prestiti concessi in passato e ÃÆ' ¢Ãƒ ¢Ã¢â€š ¬Ã… ¡Ãƒâ€šÃ‚ ¬ 4 mld di prestiti gi interamente svalutati (write-offs). In definitiva, la sfavorevole congiuntura del settore immobiliare risulta cos pesare sul settore bancario per ÃÆ' ¢Ãƒ ¢Ã¢â€š ¬Ã… ¡Ãƒâ€šÃ‚ ¬ 165 mld, il 37% del totale dei finanziamenti a questo settore. S eppure si tratti di un importo rilevante, non ne dovrebbero derivare a livello di sistema problemi di stabilit considerato che gli accantonamenti specifici coprono questi prestiti al 26%, percentuale che sale al 35% se si aggiungono gli accantonamenti generici a disposizione. La Banca di Spagna, inoltre, calcola che la copertura complessiva potrebbe essere portata al 70% se nel 2010 il risultato operativo fosse solo pari a quello dellanno precedente. Se si escludono i finanziamenti alle societ del settore immobiliare (il 18% circa del portafoglio prestiti), la qualit del portafoglio delle banche spagnole appare nel complesso discreta considerata la gravit dellattuale congiuntura economica. Una crisi gestibile Secondo lufficio studi di Bnl la situazione delle banche spagnole sta attirando unattenzione forse eccessiva soprattutto se confrontata con la fragilit evidenziata da altri sistemi bancari europei, come ad esempio il caso della Germania. Malgrado una crescita del 65% degli accantonamenti, il sistema bancario spagnolo ha chiuso il 2009 con un utile netto (quasi ÃÆ' ¢Ãƒ ¢Ã¢â€š ¬Ã… ¡Ãƒâ€šÃ‚ ¬ 20 mld) in limitata flessione (-20%), conseguendo anche un aumento non marginale dei due principali indicatori di patrimonalizzazione (tier 1 al 9,7% in aumento di 1,3 punti percentuali e core tier 1 a 8,1% in aumento di 1 punto percentuale). Dettaglio non secondario, laumento di questi due rapporti dovuto interamente allaumento del numeratore (risorse patrimoniali +13%) a fronte di un denominatore (attivit ponderate per il rischio) rimasto sostanzialmente invariato. Anche per effetto di questo incremento, il RoE (Return on Equity) sceso di quasi tre punti percentuali, posizionandosi comunque al 9%, livello tra i pi alti in Europa (3,6% nel caso dellItalia).

Exploring Young People s Literacy Practices Across...

Ecologies of Transmedia Use: Exploring Young People’s Literacy Practices across Corporate and User-Produced Platforms Abstract In this article we explore young people’s literacy practices as embedded in ecologies of multimodal and transmedia use. Unlike approaches grounded in distinct online locations, such as affinity spaces, specific websites, particular video games, or other media platforms, a focus on transmedia ecologies encourages us to look beyond spatial and structural boundaries to understand how flows of corporate and user-produced artefacts can shape, constrain, and expand young people’s literate repertoires. Introduction (Contemporary Transmedia Contexts) In the turn away from viewing literacy as a purely cognitive†¦show more content†¦An ecological perspective asks us to consider a variety of learning contexts, comprised of activities, resources, relationships, and interactions among these (see. Barron, 2006). A focus on interactions between modes, activities, resources, and relationships allows us to stay attuned to the moving parts of literate development without losing context. Consider the lone gamer who, while tapping away at her controller, is simultaneously chatting with other gamers on the same platform, using printed commercial game guides to select gear, consulting player-produced walkthroughs on Youtube, posting live updates on her progress through a level of the game, and writing fan fiction based on her avatar’s exploits. Rather than viewing the aforementioned gamer’s practices as grounded in a particular context (e.g., a living room or a video game or an affinity space), focused on a particular activity (e.g., writing or watching a video), ortied to a particular modality (e.g., print, digital), it is possible to conceptualize such practices as part of a transmedia ecology in which participation in literate practice is distributed across time, space, and media platform, and coheres around a particular storyworld. A traditional storyworld is a fictional universe with invented characters, settings, and characteristics that has been

Jason Medea free essay sample

How do Jasons feelings at the end of the play differ from those revealed in other encounters? In their first encounter, Jason appears to be trying to make himself feel as if he is better than Medea, and as if he is the bigger person than she, mfou no doubt hate me: but I could never bear ill-will to you implies that he is a better person for helping her even though she hates him and that even after all thats happened and all she has said he still could never bear ill-will. He continues to try and defend his actions, claiming it was for social status, that he didnt marry for love, but for the fact hat he wants to know they will have a good life and not be poor; also, as he marries the Kings daughter, his sons with Medea will be half-brothers to any children Jason may have with Glauce, therefore improving their status on becoming a king of Corinth. We will write a custom essay sample on Jason Medea or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page Their second encounter is after Medea has decided her exact plan; she knows how she will kill the princess and the king, and has then also planned to kill her sons. She asks for Jason to attend, and he does, at which point she acts like a stereotypical wife of the time, admitting that she was wrong for all the feelings she had, and that verything that had happened was her fault, that she overreacted because she knew Jason was only doing it for the good of their family. It would seem to be a friendly conversation on Jasons part, he shows no kind of hostility towards Medea when she speaks to him, and openly accepts her apology, and states when he first speaks to her that he is ready to listen. However, later in this meeting he, again, demeens women, Only naturally a woman is angry when her husband marries a second wife. perhaps this is true in a sense, however I think anyone would be angry if their significant ther decided to marry someone else; not Just a woman. After this it could be said that Medea plays up to this, as when he mentions his sons growing up and being strong, she weeps. This may be because she knows her sons will never go, or she believes crying will make Jason pity her. In this encounter he also mentions sexual jealousy, implying that Medea is simply angry because of the fact that Jason is now sleeping with someone else, rather than her this is because he doesnt understand her anger, and therefore infers that it is because of this, rather than the fact that he eft her to marry another. Later in this passage, he also refers to Medea as a foolish woman when she tries to send the Coronet and dress to Glauce, and this theme of sexism is carried out a few lines later If my wife values me at all she will yield to me more than to costly presents, I am sure of that; again, the attitude of the ancient Greek time was that women were to do what they were told, rather than what they wanted. They were to be obedient, and not break any rules. In the third and final encounter, at the end of the play, it appears Jason has reached is peripeteia, his downfall. Medea, at this point, has killed their two sons and it is clear he loses complete control of his emotions, and he begins wildly insulting Medea, calling ner an abomination. It is also earlier in this pa rt that ne calls ner the woman I will kill. at the beginning of the play, he was supposedly in love with her, whilst at the end, he wants nothing more than her to be dead. It becomes obvious that Jason has realised what Medea is truly like, how manipulative and cunning she is; and how she tricked him, in certain parts, at least, into believing she as Just an obedient wife to him. He claims he wants the gods to blast her life, and during the time in which most, if not all, people believed that these gods were real and had impact on their lives, this would be one of the worst things to wish upon someone else. Again, Jason also mentions her sexual Jealousy, blaming this for the murder of their children out of mere sexual Jealousy, you murder them! At the complete end of the play, Jason is on the ground, whilst Medea is in a chariot (pulled by dragons) on the roof; this could be a representation of the fact that, in the eginning, Jason was of a higher standing than Medea, however at the end she had gotten (in a sense) what she wanted, and that she was now on top her enemies not able to laugh at her. He asks Medea to let him bury the children, a request which she declines, so he then asks if he could hold them one last time. She responds with now you have kisses for them, as previously Jason had appeared to be more than happy to let his sons be exiled even if he did state in previous encounters that he had married the princess not for Just his social standing, but also his sons.

This Dead Butcher And His Fiend Like Queen, Is The Way In Which Malcol

"This dead butcher and his fiend like queen", is the way in which Malcolm describes Macbeth and Lady Macbeth. Describe the way in which these two characters changed during the course of the play. At the beginning of the play Macbeth is seen as a courageous soldier who is loyal to the King but is corrupted from the witches prophecies and by his and Lady Macbeth's ambition. This is because of the weakness of Macbeth's character and the strong power of Lady Macbeth and how she is easily able to influence him. Her strength motivates him at the start but after he realises what he has done it is himself that continues in his murderous, bloody path. At the beginning of the play Lady Macbeth appears as a kind wife of Macbeth's but underneath lies a scheming and treacherous woman. In the beginning of the play Macbeth is a strong soldier who fights for the King without mercy but his strive for ambition and his curious nature leads him to the witches who give him a prophecy. Banquo realises that there must be a trick hidden in the witches prophecies somewhere but Macbeth refuses to accept that, and when Lady Macbeth finds out about the witches her strong desire for ambition and her cold nature leads Macbeth astray. Macbeth is a little ambitious at first, but Lady Macbeth's far exceeds his and so she is able to get Macbeth to agree with her to kill King Duncan. Macbeth still has a conscience at this stage because he is very hesitant about killing the King but his weak nature over comes him. He has a conscience throughout the entire play as this is seen by the hallucinations of the dagger and the ghost of Banquo and his vivid imagination and his constant worry also provokes him. This is also evident in his terrible dreams which gives the solid theme that he has in deed "murdered sleep". Throughout the play we see the character of Macbeth change not from just the way he thinks and what we hear from the play, but from the actions he takes in the play, from killing Banquo, then having Lady Macduff and her children murdered, shows the insecurity that was present in Macbeth. After the murder of Duncan Macbeth becomes paranoid and his first step of killing the guards is one of many that Macbeth takes to secure himself. Macbeth is also very superstitious and this is shown when he believes the prophecy the witches told him that Banquo's offspring would become Kings. Towards the end of the play when Macbeth's wife has died and the battle is drawing closer Macbeth shows some good which may have been. He wishes for a normal life for which he would have lived to an honourable age but he recognises that he has denied himself of this. Even when Macbeth hears that the prophecy has become true of Birnam Wood coming to Dunsinane, he rejects this idea and fights on until he realises that Macduff wasn't born in a natural birth but instead was "Untimely ripped" from his mother's womb. When Macbeth hears of this he realises what he has done and how he has been tricked by the witches but instead he realises that it is useless and so he fights on only to be slain. Macbeth can be summarised into a character although strong physically he is very weak mentally and it is this weakness which causes the downfall and change of Macbeth. Other factors do however also contribute to this change such as his wife whose ambition is very strong at first and is much more stronger mentally than Macbeth but it is also Macbeth's ambition and his trust in the witches which ultimately change him. Lady Macbeth seems to be almost opposite compared to that of Macbeth in physical and mental power. Lady Macbeth is the person who is able to persuade Macbeth into killing Duncan, assuring Macbeth that it will succeed, as Lady Macbeth's ambition is far greater than that of Macbeth. This change in the character of Lady Macbeth is apparent after she reads the letter from Macbeth as she goes and talks to the evil spirits to make herself evil

Free Essays on Writing An Essay

How many people do you know that can write a good, organized essay? Writing an essay can be either easy or hard. Ultimately, it all depends on one’s approach. Some students simply cannot write a good essay, which is why they hate it. The writing of a good essay is a very simple process that is often made harder than it is. If one does not know how to write an essay, there are several steps that to follow. The three basic steps to writing an essay are as follows: discovering a topic, supporting the thesis, and editing the essay. Through these steps, you can write an effective and clear essay. First of all, you need to get some information and materials to discover a thesis and a topic sentence. For example, you can use freewriting, listing, and questioning. The freewriting technique is to help you write sentences or phrases without worrying about spelling or grammar mistakes. Freewriting is a good way to overcome mental blocks about writing. You can also learn the habit of thinking how to start writing a rough draft. Another helpful technique is making a list, also known as brainstorming. You start writing ideas and details that relate to your subject. Brainstorming can help you put the ideas in chronological order. Questioning is also a good method to find ideas and details. For example, a person may question themselves as to who, what, when, where, and why. Asking these questions can be an effective way of getting yourself to think about specific topics. The next step is supporting the thesis statement. Usually, you need three supporting paragraphs and those can be the body parts of the essay. You should organize adequate and specific details. Supporting paragraphs consist of the information which a person has gathered about their subject. Each paragraph has the importance of making the essay more complete. The thesis statement provides a person with the outline of the essay body. Then you may choose to a... Free Essays on Writing An Essay Free Essays on Writing An Essay How many people do you know that can write a good, organized essay? Writing an essay can be either easy or hard. Ultimately, it all depends on one’s approach. Some students simply cannot write a good essay, which is why they hate it. The writing of a good essay is a very simple process that is often made harder than it is. If one does not know how to write an essay, there are several steps that to follow. The three basic steps to writing an essay are as follows: discovering a topic, supporting the thesis, and editing the essay. Through these steps, you can write an effective and clear essay. First of all, you need to get some information and materials to discover a thesis and a topic sentence. For example, you can use freewriting, listing, and questioning. The freewriting technique is to help you write sentences or phrases without worrying about spelling or grammar mistakes. Freewriting is a good way to overcome mental blocks about writing. You can also learn the habit of thinking how to start writing a rough draft. Another helpful technique is making a list, also known as brainstorming. You start writing ideas and details that relate to your subject. Brainstorming can help you put the ideas in chronological order. Questioning is also a good method to find ideas and details. For example, a person may question themselves as to who, what, when, where, and why. Asking these questions can be an effective way of getting yourself to think about specific topics. The next step is supporting the thesis statement. Usually, you need three supporting paragraphs and those can be the body parts of the essay. You should organize adequate and specific details. Supporting paragraphs consist of the information which a person has gathered about their subject. Each paragraph has the importance of making the essay more complete. The thesis statement provides a person with the outline of the essay body. Then you may choose to a...

AC2650 cw2 Essay Example | Topics and Well Written Essays - 2250 words

AC2650 cw2 - Essay Example Every investment comes with different types of risk associated with it. Investors may think that making investments according to the advice of the financial experts are free of risk. But this is not true, as it also comes with various risks. Investors need to understand that to generate wealth over a period of time it needs to accept a high amount of risks. Stock market always fluctuates and it depends on several factors like profitability and performance of the company, political and social factors, and govt. decisions. Share prices of a company always fluctuate due two types of risks – systematic and unsystematic risk. Systematic risks are the market risks and can be measured by beta. On the other side unsystematic risks are those risks which arise from the internal problem of the company like labor problem, problem in managerial decisions and problems in other code of conduct of the company. Unsystematic risks can be measured by alpha. Now we need to consider the various ty pes of risks that are associated with investing in the stock market. There are several types of unreasonable risks that are faced by the investors in the stock market. Evaluating and analyzing the risk that are involved in any investment is very complex. According to the risk taking ability the investors can be differentiated into different category. Risk taking ability of an investor is known as risk portfolio of the investor. There are several types of investors like high risk potential investor, medium risk potential investor and low risk potential investor. Risk tolerance level of an investor depends upon several factors like the age of the investor, objectives of investment, aim of the investment and future goals in life. Thus to discuss about the unreasonable risks we need to consider the several types of risks that can affect the performance of the investors in the stock market. Market risk includes a wider picture which means if an investor wants to

When Volunteerism Isn't Noble Essay Example | Topics and Well Written Essays - 750 words

When Volunteerism Isn't Noble - Essay Example 58-61). The Liberty High school board demanded that all its students undertake community service. All students were required to demonstrate that they have undertaken at least 60 hours of community service or other volunteerism work, failure to which they would not obtain their high school diploma (Steirer Par. 2). This requirement baffled Lynn and disturbed her immensely as she saw it as contradictory and going against the spirit of volunteerism, which should be explicitly voluntary. Lynn perceived the move as diminishing, rather than promoting the spirit of volunteerism. These decisions by the board presented Lynn with a dilemma: should she subscribe to  the program, or stay true to her principles, which itself is civil disobedience (Steirer Par. 3). For Lynn, volunteerism had always been a cherished attribute demonstrated for her extensive service as an aide in Meals on Wheels, Girl Scout, and other charity activities. The hundreds of hours she committed to the community were out of her own initiative rather than an obligation. Lynn undertook her community service but failed to submit her hours for credit, a decision that denied her a diploma. According to her, staying true to her values was more fulfilling (Steirer Par. 6). Lynn and her parent believed that the requirement for volunteerism inculcates the wrong values, besides being unconstitutional. Lynn Steirer claimed that mandatory community service for high schools infringes on students’ rights and vitiates the notion of volunteerism by twisting it into an â€Å"involuntary servitude,† an affront on freedom. Mandatory Community service is a privilege to volunteer and students bear a responsibility to contribute their talent, time, and energies towards the welfare of all, and give back part of the numerous concessions given by the community. First, communities gain significantly from the intelligence and the resourceful energies of high school students (Salamon 510).

Market Segmentation In The Dessert Food Service Industry Marketing Essay

Market Segmentation In The Dessert Food Service Industry Marketing Essay The Sweet House will be located in the Mid Valley shopping centre, the cafà © will are created for customer to rejuvenate, relax and relate with friends. Besides that, our business type of desserts will divided three main variety, which are Asian dessert Western dessert and Custom dessert. Asian dessert is more suitable to middle-age people and Chinese people. For example, Pak Kor Fu Chuk, Longan Xue Yee, Kacang Merah, Bubur Cha Cha and so on. The Western dessert is more suitable to the young man or young age people, because Western desserts are more colorful and more variety to attract the young people. For example, Mango Lolo, Honey Dew Lolo, Durian Cendol, Cendol Pulut and so on. Custom dessert is let customer choose their need of variety taste, such as Mango and Kiwi Lolo, Yam Sweet Corn, Sea Coconut Fruit Cocktail, Mix Fruit Lolo and etcà ¢Ã¢â€š ¬Ã‚ ¦As a result, our business will sold these three main types of variety to our customer target. Financing: Our business is established from a partnership. So I and my partner will put a total of RM 80,000 into startup of the business. The remaining RM 40,000 is the amount that we are requesting for bank financing. This is because; our business needed quite more equipment such as, machinery, furniture, fixtures and so on. So, we are requesting for bank financing for our business. Executive Summary Sweet House is a shop outlet dessert inside the Mid Valley. In the dessert industry, our competitive advantage, is that our goods all is 100% organic and come from farm ourselves. Besides that, our business will use coal cook system to maintain 100% taste. Sweet House target market is the young man adults, PMEB (Professional, Manager, Executive, and Businessman) and tourist. Our business also will create a special price for customer when starting lunch time. Television and radio advertising is used to increase customer awareness of Sweet House. Our business will create a web site to customer for join our member know our news or information. This Web Site also provides a discussion board or feedback where customers can post a suggestion or respond to their needs. Finally, our business also has provided some training program to our employee. For example, management skill, communication skill and customer services seminar and so on. Our business operation time will begin at 10.30am until 9.00pm and open 7 days a week business time. 3.0 Market Segmentation in the Dessert Food Service Industry The Dessert Industry can be broken down into two major segments based on customer characteristic and price. Price is one of more important factors in determining market segmentation, as it influences the consumer to buy the goods. Customers have come to demand reasonable of price what they pay for. It is important to note that the majority of customers look for value, which is a key component of Sweet Houses mission. Second factor which will influences market segmentation is age of the customer. The age range of the dessert industry is quite large, ranging from young man to old men, and different marketing strategies will attract a variety of patrons. For example, Sweet Temptation fulfill demand of the young man, because the Sweet Temptation will sold the dessert such as AisKacang dessert, ABC dessert and smoothie dessert. Besides that, Jonker Sweet Dessert is different between the Sweet Temptation, because their sold the products are suitable to the old people and middle-age people. For example, KacangMerah dessert, Bubur Cha Cha dessert and etcà ¢Ã¢â€š ¬Ã‚ ¦So they will feel this will more healthy than the ABC dessert. Nowadays desserts are most competitive industry in worldwide, because different dessert has different characteristics. This type of dessert industrial is more liquidity, for example is Cendol dessert, there is convenience to family-style. So the customer no needs to go outlet to purchase the goods. Besides that, Independence stall will set in shopping center middle or beside, the independence stall the place will smaller, and not enough facilities, the product price will cheaper than shop outlet, the independence stall sell product is limited but there have a special thing, for example Petaling street air matakucingmoutak ding this is a independence stall their sell the special thing can achieve health, detoxifying feature. This kind of stall is self-services, so that the customer will feel not satisfy for this customer services. Finally, shop outlet also one type of dessert industry. Shop outlet will give customer comfortable environment place to eat dessert, because will better than the first two dessert industrial. For example is Sweet Temptation, not only sell the dessert, they also have sold smoothie dessert. So different desserts have different customers will purchase the goods. 4.0 The Target Market Sweet House target market is the young man and PMEB (Professional, Manager, Executive, and Businessman). Our will believe that this an important segment, as a young man will more consumer our goods, because sometimes they will have gathering, party, dating and so on. PMEB people also will buy our goods, because when lunch time, they have enough purchasing power to purchase our goods. Besides that, they also will feel more relax and dont have working stress. 5.0 Competitive Sectors 5.1Type of dessert industrial Now a day dessert industrial have many type, but the major type of dessert are separate three major type, 1)Mobile vendors, 2)Independent stall 3) Dessert specially outlet. Mobile Vendors The mobile vendors sell their dessert on van have given more customer convenience, for example is mat tou you dessert, there is convenience to family-style. Family no need go to dessert restaurant. The product price also will cheaper than shop outlet and more attracting the customer to purchase, because they allow the customer to customize their like the favor food to add in dessert based on price. For example is RM3.80 will give 5 favor to customize, RM5.90 will give 8 favors to customize, etcà ¢Ã¢â€š ¬Ã‚ ¦. Due to this, some mobile vendors have differentiated themselves and positioned in the customers mind. Independent Stalls Independence stall will set in shopping centre middle or beside, the independence stall the place will smaller, and not enough facilities, the product price will cheaper than shop outlet, the independence stall sell product is limited. Independent stalls attract large crowd based on location and some have developed strong reputation. For example Petaling street air mata kucing mou tak ding this is a independence stall their sell the special thing can achieve health, detoxifying feature. They use publicity in newspaper to promote their special thing, tell the people after eat can achieve health and detoxifying. Specially Dessert Outlets Shop outlet will give customer comfortable environment place to eat dessert, this is shop outlet advantage. For example, koong woh tong, not only sell the dessert, their also have sell health food like kui ling gao this food can coupling to dessert and then can achieve detoxifying feature, and every day have sell the limited special dessert, because the price is more cheaper. Some dessert outlets operate on a franchise or chain. They have do advertisement for their product, so their reputation will increase by advertisement. 6.0 Competitive Advantage Sweet House differentiates itself from other competition through 100% organic, traditions cooking process and price. Our raw material of the dessert is 100% organic, such as yam, sweet potato, sweet corn, red bean, and etcà ¢Ã¢â€š ¬Ã‚ ¦. For example, yam and sweet potato form the Bubur Cha Cha, this will planted the raw material by our farm. That as would be expected, that organic crop, do contain higher levels of trace minerals, vitamin C, and antioxidant phytonutrients. Besides this, there do not have any insecticides and any chemicals to influence our raw material. This is because; our raw material is fresh and 100% natural. So when our produced it, which is 100% organic and fresh for send into our business. Besides that, our also use traditions cooking process. Every dessert also cook by the coal, normally is using gas to cooking dessert, but this not enough ¼Ã…’because gas cannot cook 100 percent taste, but use coal can attain the 100 percent taste. So this is our advantage of the dessert process, which will more attract the customer to purchase our goods. 7.0 Description of Venture Sweet House is shop outlet in the Mid-Valley, so I will designed a natural organic environment for our shop outlet, that will let our customer relax and no more working stress to enjoy our desserts. For example, Purple Cane Chinese Tea is designed a purple color environment, let customer feel particular and relax to enjoy their Chinese tea. So that will attract more customer to purchases our dessert. Besides that, I will also establish the E-Commerce in our business. We create a Web Site in which customers are join our member can search and browsers or order our goods. Once a customer logs in with his or her username and password, a customer will be able to order our goods and search what the customer needs. The Web Site also provides a discussion board or feedback where customers can post a suggestion or respond to their needs. 8.0 Operation Plan When the customer comes to our Sweet House, he or she will able to order the dessert, as well as have the option to custom their own dessert. Furthermore, our Sweet House can give customer order first. So the customer no need spend more time to waiting our goods preparation. Therefore, most dessert will be prepared on the premises. Our employees will be designed for the high standard of sanitary efficiency and cleaned daily. For example, our cleaner will clean by two shift, morning shift and night shift. So we will give customers a comfortable environment to enjoy the dessert. Besides that, our Sweet House Dessert operation time will begin at 10.30am until 9.00pm and open 7 days a week business time. So our business will closed by Chinese New Year and 31 Aug National Day. Our businesses also have provided some training program to our employee, like customer services courses, communication courses and so on. The employee will be trained out not only in our specific operations duties i n the philosophy and application of our concept. So our employee will provide high standard of services to serve the customer of demands. Our Sweet House dessert distributes inside the Mid Valley shopping Centre is a 2400 square foot space. Besides that, our facilities have tables, chairs, bars, and counters, refrigerator and machine or requirement of equipment. A big emphasis is being placed on extensive research into to quality of our purity dessert price and inventory control will be handled by our system and checked daily by management. Our Sweet House has a lot employee, but the qualification of employee minimum is SPM level. So that we can provide some training for improve their skill and knowledge. Finally, we plan for establishing services, attitudes and policies. We will provide 100 percent good service and encourage customer give our feedback. Feedback can help our improved and make better. 8.1 Floor layout 9.0 Marketing Plan Goals and Objectives Sweet House will be a full services dessert kiosk. Our financial goal is to attain of $100,000 sales in the first year. Sales will increase 50 percent sales in the second year and third year another 30 percent. Based on the first two goals, continue want to expand to two stores by the third year of the business, after expand to two stores, we want to plan increase patronage by 30 percent per year and increase Sweet House restaurants popularity as a dessert Sweet House objective is to provide high quality dessert in a comfortable atmosphere. We also need to make enough profit to generate a fair return for investors and to finance continued growth, to enhance development in quality products, we also maintain a friendly, fair and creative work environment, which respects diversity, new ideas and hard work. Sweet House include 1) give back to the community we can sales for charity in any charity event and we also can provide dessert to orphanage children, because our dont have present children after try our dessert can feeling the happiness 2) ongoing employee education and recognition programs, we have provide employee some training programs to improve employee knowledge 3) Dedication to the finest quality ingredients, we dont use any pigment and Preservative in our dessert 4) Produced raw material by ourselves, our raw material is make it ourselves, so that we dont use the pesticide in to raw material, we use the Organic fertilizer, so that our raw material is 100 percent natural. Strengths and weaknesses Sweet House strengths are 100 percent natural material, because we dont use pigment, preservative and pesticide, so that our dessert use has a health body traditional Chinese medicine add in our dessert, so that can achieve health, detoxifying and pretty, special thing is cook by coal, give customer fair product price and enjoy the high quality dessert. The main weaknesses are our distribution is limited stores, and very insufficient money for start-up business and limited expansion, we also face the employee training problem, the last is time and cost, because we want spend more time to manage business and the cost budget issue must be manage properly. Opportunities and Threats Nowadays, all family also dun like eat in home. So they will like consume more outside food. This is because; they feel not convenience and feel food cooking by family in home so weary. So they will more come to consume outside food. Our business also has provided the training program and seminar about organic food for our employees. This is because, nowadays the education level is very high, and so our business will provide the about the organic food of seminar or speech to our employees. As a result, our employees can easily to communicate or solve from our customers who have the problems. Our desserts are come from our farm, so all raw materials are 100% natural organic. So that is our desserts of advantages. However, in Dessert Industry, our business has quite high competitors in the market. For example, mobile vendors, independent stalls and specially dessert outlet shop. So, our business should be come out a new product and win the customers of loyalty. Besides this, our stocks are limited keeping fresh, this is a big problem we should be faced, because our stock if not fresh, then that stocks are cant sold to the customer. Finally, after 2010, government taxes rate will increase, so a lot of customer will feel the government taxes of fee is quite high then will decrease the customer purchasing power. . 9.1 Product Sweet House desserts will divide three main product lines, which are Asian dessert Western dessert and Customized dessert. Asian desserts include Pak Kor Fu Chuk, Longan Xue Yee, Kacang Merah, Bubur Cha Cha and so on. That is targeted to Chinese and middle-aged. Chinese are more like to consume the Asian dessert, because the Asian dessert has some traditional culture for the Chinese people. The Western desserts are Mango Lolo, Honey Dew Lolo, and so on. Target of Western desserts are male and female. That is because, Western desserts are more colorful and more specially to attract the young age customer to purchases it. Finally, custom dessert is let customer choose their need of variety taste, such as Mango and Kiwi Lolo, Yam Sweet Corn, Sea Coconut Fruit Cocktail, Mix Fruit Lolo and etcà ¢Ã¢â€š ¬Ã‚ ¦. of our dessert. For example, Mix Fruit Lolo have 3 three types of custom ways, the first is three favor of variety is RM 5.90, four favor of variety is RM 6.90 and five favor of va riety is RM 7.90 to give more choices to our customer. 9.2 Promotion Pull Strategy Sweet House desserts will use pull promotional strategy that attracts consumers on advertising to buy or demand for desserts. So our business will advertise more advertisement to satisfy the customer needs. As a result, consumers will receive directly information from the media on newspapers, radio and Internet. Advertising We will use advertising to communicate to consumers. Moreover, it classifies its segmentation to communicate directly to young man and middle-age people. Sweet House will use the TV to promote the desserts, because all people will watch Astro channel, Astro channel advertising will give all customer information. Besides that, our business will use celebrity (Fish Leong) to promote the dessert, that will increase our business brand name and reputation. TV advertising of advantage is: 1) customer will easy to get information 2) country-wide coverage. That can increase awareness of Sweet House brand name and the reputation and build traffic. Moreover, we can also use newspaper advertising and magazine, such as newspaper can promote dessert to attract PMEB (Professional, Manager, Executive, and Businessman) to buy. Nowadays they very like read magazine, so that also can promote our dessert in the magazine. So we will apply the newspaper inserts to advertise all dessert in the newspaper. Besides that, we will also advertising into the City Foam magazines to promote the dessert. Public relationship Corporate social responsibility is public relationship. To give back to the community, we will hold some activity with the local humane society. So our dessert also have provide free to Cheras orphanage inside the orphan and poor families on during the every holiday season. Moreover, average for food columnist to review our shop. Sales Promotion Sweet House has promoted its product through different sale promotional strategies. We will use catalogue promotion to make sales promotion, because customer can clear to read what the desserts are got promotion, discount and voucher. Sales promotion will make discount to customer, so the price will cheaper than normal price and promotion will also special price. For example is Honey drew Lolo and Durian Lolo will discount to 20% so the normal price is RM 5.90 will discount to RM4.70. This kind of the discount, customer should be apply our member then can get this amount of the discount. At the non-member also will discount by 10%, so the normal price is RM5.90 will discount to RM 5.00. Besides that, we will make some promotion for non-pease time. That also can to attract customers to consume the desserts. For example, Kiwi Lolo is RM 5.90, and then within in sale promotion 3pm-5pm, the price will decrease like RM 4.90. Advertising our dessert on online catalog Sweet House also will advertise on the online catalog, such as banner, forum and create a web site to promote and given some news and update new information for the customer. So customer can read its information more clearly before consuming. We also will used the social networking to attract the customer for Sweet House, such as Facebook pays for Sweet House and we will apply a membership club to customer joined our membership. 9.3 Price In general will our price level be lower than competitor. So we will used penetration pricing strategies to attract customer to consume the dessert. Optional product pricing We will make a Dessert top-up package, so who customers will purchases of Western Dessert RM5.90 but top-up RM1 will refreshment (yam cake). For example, Kiwi Lolo is RM 5.90, if customer top-up RM1, he or she will get a yam cake. So, the total price is RM6.90. If customer didnt top-up RM1, the Kiwi Lolo will sold back the normal price (RM6.90). Buddle pricing We will make a few packages for customer; those are A2+1 package and W2+1 package. A2+1 package are who customer purchases of three Asian desserts such as Bubur Cha Cha RM3.90, Kacang Merah RM3.50 and Pak Kor Fu Chuk RM 3.50, total prices of customer purchases are RM 10.9. So the customer will get the nice package price is RM9.50. W2+1 package are who customer purchases of three Western desserts such as Kiwi Lolo RM5.90; Honey drew Lolo RM5.90 and Mango Lolo RM5.90, so customer will get from Sweet Houses W2+1 package is RM 15.00. Promotion Pricing For example is Honey drew Lolo and Durian Lolo will discount to 20% so the normal price is RM 5.90 will discount to RM4.70. This kind of the discount, are only entitled for members. At the non-member also will discount by 10%, so the normal price is RM5.90 will discount to RM 5.00. 9.4 Distribution Sweet House is a retail outlet which direct to sold to customer. Our business of raw materials are manufacturing by ourself, so that we no need supply material by supplies. We have many raw material need required to use. For example, yam, sweet potato, kiwi, honey drew, durian, strawberry, corn and mango. All raw material is come from our farm.So, we are backward integrated to operate our dessert shop. The raw matearial will delivery everyday into our shop.That can save more cost transportation fee and the cost of the raw material. Our shop outlet will build into the Mid Valley, because Mid Valley is a major Shopping Centre in KL so that we can attract more customers. 10.0 Organizational Plan Sweet House will be established as a partnership. The principal shareholders will each assume an equal stake in the business. A cooperative relationship between people or groups who agree to share responsibility for achieving some specific goal; effective language learning is a partnership between school, teacher and student; the action teams worked in partnership with the government. In the contract between two or more persons who agree to pool talent and money and share profits or losses. Management Team Background Wong Yok Lung- President Wong Yok Lung was born in Malaysia, Kuala Lumpur and graduated near of his class at Kuala Lumpur High School. He is currently a fresh graduated Degree in marketing and management at the New Era College. Besides this, he also is earning a supervisor at Target Fashion Sdn. Bhd. Wong Yok Lung will run monthly meetings with Board and the vice presidents. Ng Hai Loon-Finance Manager Ng Hai Loon was born in Malaysia, Selangor and graduated of his class at Kampar High School. He is currently a fresh graduated Degree in finance and accounting at Help College. Besides this, he also is earning an accountant at certain company. He will be in charge of the financial statement and be responsible in choosing an appropriate accounting firm. Lee Mei Yee-Marketing Manager Lee Mei Yee was born in Selangor, Kajang and graduated of her class at Kajang High School. She is currently a fresh graduated Diploma in marketing at New Era College. She will be responsible for creating promotional activities, monitoring sales, and performing the necessary market research to determine how best to improve the Companys awareness. Yim Ye Wen-Chef Yim Ye Wen was born in Malaysia, Seremban and graduated of her class at Kajang High School. She is currently a fresh graduated Diploma in Hotel Management at Nilai College. She will be responsible for meal preparation. She will have to prepare everything needed for dessert on any given day. This includes mixing dessert, estimating the amount of different raw materials need for the given day, and making the dessert. When closing cook, she will also be responsible for cleaning the kitchen so that the Sweet House will be ready for the next days business. 10.1 Organizational Chart 10.2 Board of Advisors A board of advisors is a small group of people which meets periodically to offer advice and direction to a company. Members of the board of advisors do not usually have a share in the company, and they do not bear legal responsibilities for the companys actions. Generally, small and startup firms use a board of advisors so that they get a firm footing in their market, and people on the board are chosen on the base of expertise and prestige. The Board of Advisors includes: Ms. Chan Kuan Thye- She is professor in the marketing department of New Era College. Her expertise in the field of knowledge is much needed by the Company. Mr. Alan Ng- He is professor in the management skill department of Utar College. His expertise in the field of knowledge is much needed by the Company. Mr. Henry Chua- He is general manager working will Six Happiness Holdings Sdn Bhd. His experience in the field of knowledge is much needed by the Company. 11.0 Assessment of Risk Dessert shop set to open a suitable price is not easy, when sugar prices increase, this will directly affect the price of dessert. Higher price than the competitors, our customers will be reduced, thus reducing sales volume. If dessert costs are too high, this will also increase the risk of business. In addition, if competitors dessert or dessert shops continue to increase, which also allows us to bring some pressure and risk, we must continue to improve, or innovative the desserts to meet the competition in this area, otherwise, our customers are gradually reduced. We have to kept the business improvement, because now the consumers not only want quality requirements, they will be because of the service good or bad to choose their dessert, keep on follow the old scale, consumers will feel no fresh and unhappy, customer reviews on our business image is very important, once the reviews are bad, the customer to patronize the frequency will fall. Cost and profit we also have to control well, the cost cannot be higher than the profits, costs and profits, because we are open a new dessert shop, if handled badly percent rate will eventually lead to business failure. Because we are just only sell the desserts for dessert stores, we do not have a lot of other option, so we have to face with strong competitors, and other conditions are good to compare, that why we must find a way to make our products more outstanding, and try to reduce risk of this area. Financial Plan: SWEET HOUSE PRO FORMA INCOME STATEMENT THREE-YEAR SUMMARY (RM) à £Ã¢â€š ¬Ã¢â€š ¬ Year 1 year 2 year 3 SALES 187300 241525 256950 LESS: COGS 32375 47232 50000 GROSS PROFIT 154925 194293 206950 à £Ã¢â€š ¬Ã¢â€š ¬ à £Ã¢â€š ¬Ã¢â€š ¬ à £Ã¢â€š ¬Ã¢â€š ¬ à £Ã¢â€š ¬Ã¢â€š ¬ OPERATING EXPENSES: à £Ã¢â€š ¬Ã¢â€š ¬ à £Ã¢â€š ¬Ã¢â€š ¬ à £Ã¢â€š ¬Ã¢â€š ¬ SELLING EXPENSES 3300 3700 3900 SALARIES WAGES 67200 69000 70000 OFFICE SUPPLIES 2400 3000 3100 RENT 60000 60000 60000 UTILITIES 6000 6500 6700 INSURANCE 2400 2600 2600 DEPRECITION 2400 2600 2800 ADVERTISING EXPENSES 2000 2200 2500 à £Ã¢â€š ¬Ã¢â€š ¬ à £Ã¢â€š ¬Ã¢â€š ¬ à £Ã¢â€š ¬Ã¢â€š ¬ à £Ã¢â€š ¬Ã¢â€š ¬ TOTAL OPERATING EXPENSES 145700 149600 151600 PROFIT (LOSS)BEFORE TAXES 9225 44693 55350 TAXES (20%) 1845 8939 11070 NET PROFIT (LOSS) 7380 35754 44280 This is a sweet house three year pro forma income statement result, we can see this result have a successful opening in the first three year, first year sales is RM187300, the second year sales is RM241525 and the third year sales is RM256950 so that sweet house after first year have successful. The net profit in the first year is RM7380, but second year will build up to RM35754, so that this result is increase 4.8 times. But the third year net profit is RM 44280. The result is increase 6 times SWEET HOUSE PRO FORMA INCOME STATEMENT FIRST-YEAR BY MONTH à £Ã¢â€š ¬Ã¢â€š ¬ JAN FEB MAR APR MAY JUNE JULY AUG SEPT OCT NOV DEC SALES 14300 15000 14200 18000 18000 19000 19100 14500 14100 9500 13700 17900 LESS: COGS 2745 2745 2745 2800 2800 3000 3000 2600 2715 1780 2655 2790 GROSS PROFIT 11555 12255 11455 15200 15200 16000 16100 11900 11385 7720 11045 15110 à £Ã¢â€š ¬Ã¢â€š ¬ à £Ã¢â€š ¬Ã¢â€š ¬ à £Ã¢â€š ¬Ã¢â€š ¬ à £Ã¢â€š ¬Ã¢â€š ¬ à £Ã¢â€š ¬Ã¢â€š ¬ à £Ã¢â€š ¬Ã¢â€š ¬ à £Ã¢â€š ¬Ã¢â€š ¬ à £Ã¢â€š ¬Ã¢â€š ¬ à £Ã¢â€š ¬Ã¢â€š ¬ à £Ã¢â€š ¬Ã¢â€š ¬ à £Ã¢â€š ¬Ã¢â€š ¬ à £Ã¢â€š ¬Ã¢â€š ¬ à £Ã¢â€š ¬Ã¢â€š ¬ OPERATING EXPENSES: à £Ã¢â€š ¬Ã¢â€š ¬ à £Ã¢â€š ¬Ã¢â€š ¬ à £Ã¢â€š ¬Ã¢â€š ¬ à £Ã¢â€š ¬Ã¢â€š ¬ à £Ã¢â€š ¬Ã¢â€š ¬ à £Ã¢â€š ¬Ã¢â€š ¬ à £Ã¢â€š ¬Ã¢â€š ¬ à £Ã¢â€š ¬Ã¢â€š ¬ à £Ã¢â€š ¬Ã¢â€š ¬ à £Ã¢â€š ¬Ã¢â€š ¬ à £Ã¢â€š ¬Ã¢â€š ¬ à £Ã¢â€š ¬Ã¢â€š ¬ SELLING EXPENSES 1000 100 100 200 200 300 500 100 100 100 100 500 SALARIES WAGES 5400 5400 5400 6000 6000 6000 6000 5400 5400 5400 5400 5400 OFFICE SUPPLIES 200 200 200 200 200 200 200 200 200 200 200 200 RENT 5000 5000 5000 5000 5000 5000 5000 5000 5000 5000 5000 5000 UTILITIES 500 500 500 500 500 500 500 500 500 500 500 500 INSURANCE 200 200 200 200 200 200 200 200 200 200 200 200 DEPRECITION 200 200 200 200 200 200 200 200 200 200 200 200 ADVERTISING EXPENSES 150 150 150 200 200 200 200 150 150 150 150 150 à £Ã¢â€š ¬Ã¢â€š ¬ à £Ã¢â€š ¬Ã¢â€š ¬ à £Ã¢â€š ¬Ã¢â€š ¬ à £Ã¢â€š ¬Ã¢â€š ¬ à £Ã¢â€š ¬Ã¢â€š ¬ à £Ã¢â€š ¬Ã¢â€š ¬ à £Ã¢â€š ¬Ã¢â€š ¬ à £Ã¢â€š ¬Ã¢â€š ¬ à £Ã¢â€š ¬Ã¢â€š ¬ à £Ã¢â€š ¬Ã¢â€š ¬ à £Ã¢â€š ¬Ã¢â€š ¬ à £Ã¢â€š ¬Ã¢â€š ¬ à £Ã¢â€š ¬Ã¢â€š ¬ TOTAL OPERATING EXPENSES 12650 11750 11750 12500 12500 12600 12800 11750 11750 11750 11750 12150 PROFIT (LOSS)BEFORE TAXES (1095) 505 (295) 2

No Love Lost Essay -- Literary Analysis, A Doll’s House

For a play about marriage A Doll’s House does not have much love in it. All of the characters claim to love each other, but are really concealing other emotions. The expectations of society have forced them into love that they do not feel. This false love is what causes them to fall apart in the end. The play is riddled with marriages that are born out of convenience or expectation rather than love. Every character only loves in ways that they are expected to, and only continue to love for convenience’s sake. There is no love in A Doll’s House. Torvald treats Nora as a child, not an equal; he is not really in love with her. The most glaring examples of this are his pet names for her. He likes to think of her as a small, delicate creature that needs saving and protecting. Although this may seem like normal fare for a loving marriage, he takes it too far. Nora is not the type of woman that appreciates this sort of treatment, so it turns from affectionate to demeaning. He thinks that demeaning his wife is not only acceptable, but normal for a relationship saying â€Å"I wouldn’t be a man if your feminine vulnerability didn’t make you doubly attractive to me†(82). This is not a good base for their relationship, as it prevents him from giving Nora the kind of attention that she needs. She does not need the kind of doting attention that he gives her, she wants to talk as an equal. She want to be â€Å"bothered †¦ with all sorts of problems [she] couldn’t possibly helped [him] to cope with† (84) as that would allow her to help her with his life, and give them the kind of relationship that Nora needs to survive. He does not love her, he loves treating her this way. As a matter of fact, Nora describes his relationship with her best, when she says... ... â€Å"[he’ll] be able to find a way to redeem [himself] in people’s eyes†(69). He does not love her, he needs the social support. They have found each other after having being lost for many years, but it is not a romantic reunion. It is a calculation on both of their parts for their own greater individual happiness. A Doll’s House contains many relationships, but all of them are bad. From convenience to infatuation, Ibsen’s work seems to be a manual on bad reasons to love someone. Every single character has some personalized version of love, and none of them seem to bear any resemblance to real love. Whether they find it convenient to love for respect or because love was their only choice at the time, none of them know real love. It is as though Ibsen wanted to show how some of the many reasons for love at the time were wrong and would lead to problems later in life.