Wednesday, October 30, 2019

Cultural Activity Report Essay Example | Topics and Well Written Essays - 500 words

Cultural Activity Report - Essay Example Inside the book, there were different directions to various sections within the museum. In addition, it had a brief history of the museum. As I was walking, I noticed that the people who were attending the museum, were people from different ethnic background. Although, most of them were Americans and Chinese. Just like any other museum, they were dressed in casual clothes. The Museum has different sections: anthropology, archaeology, arms gallery, art, numistics, educational activities, botany, zoology, geology, children museum, and various laboratories. However, after visiting all the sections within the museum, there were two sections which caught my attention. This were the archaeology and the anthropology sections. The anthropology section, is basically concerned with preserving data about evolution of man and the activities that they were involved with. It is in this section that I managed to see the first computer that was built in 1930. The computer was about a half tonne and 10 meters long. The curator told me that it was slow, and it could not store information for more than twenty four hours. I also realised that up to today the way the Egypt pyramids were built, have not been understood. In fact, most researchers believe that the technique that the Egyptians used to build the pyramid is very advanced, and this therefore means that in terms of building technology, the earlier man may have been advanced than us. While, the archaeology section contained ancient Egypt pieces of arts, the protestant reformation arts, the ancient Chinese culture arts etc. Some of the ancient Egypt pieces of art which I saw were, the lion hunting cup, drachma, cow nursing its calf, and horse shaped drinking vessel; as well as images of kings. While, some of the ancient Chinese pieces of art I saw were, the travellers among mountains and streams by Fan Ku’an, and the three coloured ceramics (Tang Dynasty) by San Cai. Out of these arts, the

Monday, October 28, 2019

Personal Finance Plan Worksheet Essay Example for Free

Personal Finance Plan Worksheet Essay The process of creating a detailed plan to meet your financial needs and prepare for the future is called b. personal financial planning. 2. Which of the following is not one of the five major steps of the financial planning process? c. collect and organize your financial information 3. Which phase in life is commonly associated with focus on marriage, family, purchasing a home, and career development? c. ate 20’s through your 40’s 4. Which of the following is a benefit of having a college degree that can affect your financial planning? d. all the above 5. Which of the following elements of a comprehensive financial plan involves analyzing future needs, such as saving for retirement or college funding for dependents? d. protecting wealth and dependents Directions Respond to the following short-answer questions in 50-to 100-words: 6. People have different styles when it comes to handling their money. List the two things that affect your personal beliefs and opinions about financial planning. How well do you feel you manage your money? Can you spot areas for improvement in your money management style, and if so, where/how? a. Two things that affect my personal beliefs about financial planning are: my family composition and values. I want my family to be comfortable and I also save but not as much and often as I should. Making sure I save for hard time and my family stability is a must. Setting up a budget is a main topic in my household. b. I can do better and stop tapping into my savings. I do have a savings account that is linked to my account. Everytime I spend something a dollar is sent to my savings, so that also help me balance my account as well. I also need to focus on our needs and not what we want. c. Yes I could stop spending more money and save more which is hard because we just moved and we are buying the house we are renting. Im putting money into the house but bills still have to be paid. We are starting to do a budget to eliminate the how, who, when, and where. 7. Which element of the comprehensive financial plan focuses on your housing needs, setting aside money for emergencies, and establishing a career path? Consider your own finances. Do currectly own a vehicle and/or home? If yes, how well do you manage monthly home and auto expenses? How well do you save for unforeseen expenses? a. Securing basic needs b. I own two vehicles and purchasing a home. We pay our mortgage at the beginning of the month in which we split, we pay the bills as soon as we get the bills and we split those as well, then the car notes are split up, and at the end of the month our car insurance is due. c. We have a savings account that pulls money from our checking whenever we spend money nd then we literally have what I call a piggy bank and we save change as well. There is nothing wrong about saving change because it does add up. 8. The economy is unpredictable and can affect your personal financial planning. List one factor in economic conditions that may affect your financial future. How could you reduce the impact of that factor on your finances? a. Inflation b. To reduce the affect of inflation is to save and go on a budget. You can also shop smarter by shopping cheaper, like generic brands. Also using coupons and your rewards card to reduce the cost of groceries and gas. You can shop around for the cheapest prices and most of the time if you buy in bulk its cheaper. 9. Which step in the five-step financial planning process requires you to organize your financial information, create personal financial statements, and evaluate your current financial position? Have you ever completed this step? If so, is it still applicable to your current financial situation? If not, do you plan to do this soon? Why or why not? a. Step1: Analyze your current financial position. b. Yes I have done it before, but now we just moved and we are now creating a new budget. Since the bills have changed we have to do a new budget and gather our bank statements, bills, and calculater our income to be more financially stable and save more money. We are currently going over a new budget as we speak. 10. Step Five in the five-step financial planning process discusses the importance of regularly reevaluating and revising your plan because personal circumstances often change. List two life changes that may require you to update your financial plan. Have you recently experienced a change that requires you to reevaluate your financial plan? If so, what was it and how have you accommodated it? (Please share only what you are comfortable sharing) a. Marriage and children b. I just recently got married and we’re just purchasing a home. My husband just received social security and 100% in military disability and I work. This make it a little easier for us to make it. I do have children and one is disabled so its tough but we make it. We split everything down the middle so no one person would be overwhelmed with paying all the bills on their own. We try to do a budget and stick to it. We do bargin shop and try to limit where we go due to high gas prices. We also put money to the side for different things we want to do whether its go out to eat, go to the movies, or date night. We also put money back for food and gas. We include everything we do and everything that can happen in our budget and daily life.

Saturday, October 26, 2019

Reality in Wallace Stevens’ The Man with the Blue Guitar Essay

Reality in Wallace Stevens’ The Man with the Blue Guitar For Wallace Stevens, reality is an abstraction with many perspective possibilities. As a poet, Stevens struggles to create original perspectives of reality. Wallace Stevens creates a new, modern reality in his poetry. Actually, Stevens decreates reality in his poetry. In The Necessary Angel, Stevens paraphrases Simone Weil’s coinage of decreation as the change from created to uncreated or from created to nothingness. Stevens then defines modern reality as, â€Å"a reality of decreation, in which our revelations are not the revelations of belief, but the precious portents of our own powers†(750). Stevens relates, through poetry, a destruction of traditional reality leading to a realization that the meaning of a poem is not truth, always recognizing that the poem is the poets perception of reality. This perception of reality is based on experience, historical context, and poetic skill, among others. â€Å"The Man with the Blue Guitar† is a long poem that al lows Stevens to change perspectives and create abstract realities. Parataxis in such a long poem allows for the decreation of reality and the relation of imagination. In his book, The long poems of Wallace Stevens: An interpretive study, Rajeev S. Patke describes varied progression within â€Å"The Man with the Blue Guitar† as â€Å"an indefinite improvisatory series. In such a series the unitary sections lose their independent status as poems, and their masks and metaphors become stages in the continual play of metamorphosis which is the true life of Stevens’s poetry†(241). Imbedded in Patke’s description of â€Å"the true life of Stevens’s poetry†, is the parataxis that a sectioned poem provides. Each movement from section t... ...ique and presentation of Stevens’s concepts may be confusing and/or contradicting, but the overall presentation allows for the full realization of different perceptions and their comparison and contrast all lead back to Stevens’s purpose for poetry. This purpose being to relate experience while recognizing that each experience/perception/reality/dream is unique and insightful. In a long poem with many sections, an overall theme or fiction may not be attainable or seen as contradictory. The value of this poem lies in the realization and acknowledgment of different perspectives, and the acceptance an evolving world. Work Cited Patke, Rajeev. The Long Poems of Wallace Stevens: An interpretive study. Cambridge: Cambridge University Press. 1985. Stevens, Wallace. Collected Poetry and Prose. New York: Literary Classics of the United States, Inc. 1997.

Thursday, October 24, 2019

Essay --

Genocides of the World: Armenia â€Å"Armed roundups began on the evening of April 24, 1915, as 300 Armenian political leaders, educators, writers, clergy and dignitaries in Constantinople (present day Istanbul) were taken from their homes, briefly jailed and tortured, then hanged or shot (United Human Rights Council).† That was the ending of some of the thousands upon thousands of lives lost during the Armenian genocide. Some say this genocide never was an actual genocide, but when that many people die I don’t know how it can’t be considered one. Some of the deaths where slow and dragged on until the victim’s body could no longer take it, while others where quick and easy. This is the Armenian Genocide. We decide our future, and we must not let anger get the best of us. The Ottoman Empire was angered by the Armenians, and now is responsible for the horrible attacks and murders towards the Armenian people. Now, all they can do is pretend it didn’t happen. At its peak, The Ottoman Empire consisted of most of Southeast Europe, North Africa, and almost all of the Middle East (United Human Ri...

Wednesday, October 23, 2019

Martin Luther King Jr. Ethos, Pathos, and Logos Essay

On August 28, 1963 Martin Luther King delivered his speech to all of America. Martin Luther’s opening line to his speech was, â€Å"I am happy to join with you today in what will go down in history as the greatest demonstration for freedom in the history of our nation.† In Martin Luther King Jr.’s speech â€Å"I Have a dream†, he uses all three of these forms of rhetoric in order to persuade to his audience that racism and segregation is not the plan for the future of America. As he delivered his speech, Martin Luther King states, â€Å"Five score years ago, a great American, in whose symbolic shadow we stand today, signed the emancipation proclamation.† His use of Lincoln brought authority into his speech. Martin Luther King is bringing attention to the authority of Lincoln and his view on civil rights. This is providing a strong ethos appeal and establishing credibility with his audience. He also uses the Declaration of Independence to bring authority into his speech. He quotes, â€Å"unalienable Rights† of â€Å"Life, Liberty and the pursuit of happiness†. His use of this quote is to use a supreme authority as being on his side. He is saying that the American government has ignored their duty to all of the American people. He is setting up his own credibility by referring to authority of a great American and our constitution. Martin Luther King’s use of pathos is astonishing as he appeals emotionally to both races of people. His use of the bible verse ‘â€Å"And the glory of the Lord shall be revealed and all flesh shall see it together,† emotionally draws his audience. He is using the bible as common interest among his crowd and to build a connection between the different races. He appeals to freedom throughout his speech to keep his audience engaged in his fight for freedom. He states, â€Å"And so even though we face the difficulties of today and tomorrow, I still have a dream. It is a dream deeply rooted in the American dream.† He uses the American dream to appeal to all Americans. He is saying that his dream is part of the American dream that we all deserve to have the freedom to dream. He also uses the appeal that he is a father and that he wants more for his children. â€Å"I have a dream that my four little children will one day live in a nation where they will not be judged by the color of their skin but the content of their character.† This is allowing the listener to relate to him as a father and the aspirations we hold for our children. It provides a human appeal and demonstrates pathos. Martin Luther King also uses logos in his analogies. He states, â€Å"America has given the Negro people a bad check, a check which has come back marked ‘insufficient funds.’† His analogy is using logic as a form of reasoning. He reasons is that everyone understands money and that the listener is able to relate to being handed a bad check. Martin Luther King’s skillful and articulate use of rhetoric in his â€Å"I Have a Dream† speech was a major turning point in American history and represented a firm stand for equal rights. He spoke out to confront the issues of racism in our nation. This speech was a remarkable moment in the fight for equal rights of everyone. â€Å"When all of God’s children, black men and white men, Jews and Gentiles, Protestants and Catholics, will be able to join hands and sing,† â€Å"Free at last! Free at last!†

Tuesday, October 22, 2019

Still More Words That Turn on the Root Vert

Still More Words That Turn on the Root Vert Still More Words That Turn on the Root Vert Still More Words That Turn on the Root Vert By Mark Nichol Two recent posts (here and here) dealt with many of the English words based on the Latin verb vertere, meaning â€Å"turn,† focusing on those based on the root vert. This follow-up post defines some additional words in the vertere family: those with the root vers. Versus (abbreviated vs. or, in legal contexts, v.) comes directly from the Latin adverb meaning â€Å"so as to face† and means â€Å"against† or â€Å"in contrast to.† As a Latin noun, versus meant â€Å"furrow† or â€Å"row,† alluding to how a plow was turned at the end of each row, and later acquired the sense of a line and a line of writing, hence verse. That word pertains to a line of metrical writing, a poem in particular or poetry in general, a stanza (one of two or more sections of a poem) or a similar segment of a song, or a brief division of the Bible. Interestingly, an antonym of verse in the sense of â€Å"poetry,† prose, which refers to more loosely structured forms of writing that resemble speech- and to ordinary written and spoken language or, pejoratively, something dull or ordinary (described with the adjective prosaic and the adverb prosaically)- is a contraction of proversus, meaning â€Å"turned forward.† Prose itself functions also as an adjective (as in â€Å"prose poem,† referring to a hybrid form of writing) and as a verb. Verso (â€Å"the page being turned†) means â€Å"left-hand page† or â€Å"reverse side of a page.† (The opposite term is recto.) â€Å"Vice versa,† taken directly from Latin, means â€Å"with the order turned.† Versatile (from versatilis, meaning â€Å"able to or capable of turning† or â€Å"operated by turning†) usually describes being able to turn from one thing to another, such as two distinct skills, or having variability or various applications; such a quality is called versatility. In biology, it describes free movement of an appendage or segment of an animal or plant. Version, borrowed directly from the medieval Latin verb meaning â€Å"act of turning,† refers to a variation of a description of something or a type of something, and in medicine pertains to an organ of the body turned from its normal position or to the turning of a fetus during childbirth to facilitate delivery. Anniversary literally means â€Å"year turning† and describes a recurrence of a date, whether annual or on some other scale, or refers to a celebration of such a date. Adverse, which literally means â€Å"turn against,† refers to an action or attitude that is harmful, hostile, or unfavorable; an adversary is an enemy or opponent. Malversation, literally â€Å"bad turn,† pertains to corruption or a corrupt government administration. Obverse (literally, â€Å"turned toward†) means â€Å"facing† or â€Å"opposite† but also describes something wider at the top than at the base. Transverse means â€Å"placed across† or pertains to something so positioned, while traverse means â€Å"travel across or over,† â€Å"move or pass along or through,† â€Å"examine,† or â€Å"survey†; in legal contexts, it means â€Å"deny† or â€Å"oppose.† As a noun, it describes a course or crossing or other movement, or an obstacle or something that crosses. Universe, from universus, meaning â€Å"whole,† describes, in contexts ranging from astronomy to philosophy, the entirety of existence or experience, or something similarly comprehensive or of great quantity; the adjectival form is universal, and the noun describing the quality or state of comprehensiveness is universality. The related term university, derived from the Latin phrase universitas magistrorum et scholarium (essentially, â€Å"community of teachers and scholars†), refers to an institution of higher learning, often composed of several colleges, schools, or other divisions. Want to improve your English in five minutes a day? Get a subscription and start receiving our writing tips and exercises daily! Keep learning! Browse the Vocabulary category, check our popular posts, or choose a related post below:70 "Home" Idioms and ExpressionsCapitalization Rules for Names of Historical Periods and MovementsIs "Number" Singular or Plural?

Monday, October 21, 2019

MAC Cosmetic Strategic Plan

MAC Cosmetic Strategic Plan Executive Summary This paper analyzes the business Strategic Plan of MAC Cosmetic to establish how it is affected by the external factors like the societal expectation, status of the economy, law and the political environment. The needs and expectations of different stakeholders in the company have also been highlighted. In addition, the major changes in the environment of the business and their impact on the business have also been reviewed.Advertising We will write a custom case study sample on MAC Cosmetic Strategic Plan specifically for you for only $16.05 $11/page Learn More Furthermore, the business plan of the company has been analyzed to help determine the position of the company in the current market. Finally, a Swot analysis was done to establish the company’s competitive strengths and weaknesses. Introduction MAC Cosmetics is a global company that deals with beauty products, fashion, film, TV, music and photography. The name MAC is derived from the initials Make-up, Art and Cosmetics. It has previously focussed its strategic plan on a specific market niche; the professionals. Its strategy now has shifted to individual consumers, trying to meet the needs of each consumer as much as possible. This has resulted in the company sales sky-rocketing and actually hitting the â€Å"121 million dollar mark. MAC CEO is John Dempsey. Historical Background MAC Cosmetics was found in 1984 in Toronto by two men, Frank Angelo and Frank Toskan. It opened its first shop in the US in 1991 in New York. It currently has 108 branches with over 50 of this in the UK. Since its inception in 1985, it has marketed its products through the word of mouth and through different sponsorships. It has however avoided the conventional methods of advertisement. Its success is based solidly on researching the consumer needs and going out to satisfy it. â€Å"The best advertisement is through testimony of those who have used a product† (Jaharveb, 2011, p.121). Mac cosmetics’ philosophy is captured in its mission statement; â€Å"All Races, All Sexes, All Ages†.Advertising Looking for case study on business economics? Let's see if we can help you! Get your first paper with 15% OFF Learn More The first factor that an organization must consider is the social factor. â€Å"The general behavior, attitudes and customs of the market affects the business organization† (Ravi, 2011, p.218). The changes envisaged in the business strategic plan should not be fundamentally in conflict to the target market. They advocate green principles by encouraging back-to-mac programme. The company has recently focused on the fight against Aids through the Viva Glam celebrity fund. Secondly, the strategy of Mac Cosmetics must be in line with the prevailing legal framework with regard to employment laws. The company strategy might need to accommodate the new employees that will be hired. The business must also operate within the confines of the law. Thirdly, the prevailing economic environment is not very favorable for a company dealing with non-essential commodities like cosmetics. However, the strategy of the company not to invest heavily on advertisement but depend on the word of mouth will work in its favor especially for its target market. In addition, the company has established its Corporate Social Responsibility (CSR) through several charities including Kids for kids and Viva Glam celebrity Aids fund (Andersen 2000, p. 186 ). Finally, business is driven by technology and it will be necessary to review the technology adopted by the company viz a viz its competitors. Stakeholders in a business organisation like MAC Cosmetics are the people that the organisation serves. Their relationships with the organisation is mutually symbiotic since they both depend on each other for survival.Advertising We will write a custom case study sample on MAC Cosmetic Strategic Plan specif ically for you for only $16.05 $11/page Learn More Firstly, the shareholders are more concerned with the dividends they receive on their investment. The need to expand the business will mean that they dig deeper into their resources to provide capital for the envisaged expansion. Secondly, employees’ benefits from job design that increases satisfaction enhanced working surrounding and, safety standards. The company has a retention rate of 80%, far much better than the average for the industry at 30% (Shahbaz et al 2011). Thirdly, customers are interested in safe products that meet their needs and value of money. They are also keen on the cause that the organization focuses on and will support any cause that benefits the society. Fourthly, suppliers expect prompt payment of their money following delivery of goods and being subjected to fair terms of trade. The also need the organization to be financially stable in order to receive future supplies. Fifthly, th e society expects the organization to sponsor local events and offer job opportunities to people living in the community. The society also expects that the organization will follow all the rules and regulations that relate to the standard of the products they produce and environmental regulation. The consumer needs are not static. The business must prepare to meet the changing needs when and as they arise. The business cannot just focus on the niche market of professional, but must change to accommodate all people as stated in its mission statement. When new competitors enter a market, the strategy of the company will have to focus on the differentiation of the business product so that it stands out from its competitors’ product.Advertising Looking for case study on business economics? Let's see if we can help you! Get your first paper with 15% OFF Learn More New laws introduced by the government also affect the company and its strategy. The company must always strive to operate within regulations. A case in point is its non-cruelty policy aimed at protecting animal rights. In order to compete with the many small business rivals, the company will have to practice target marketing so that they meet the specific people they intend to meet. On the other hand, the company must also be ready to face the challenge posed by the few large rival firms. There is also need for the company to adopt new technologies and give consumers products that meet their expectations. This way, they will be able to gain competitive advantage over their competitors. MAC is currently spreading its wings in the cosmetics business globally. It has plans to expand its stations to more countries in Europe, Asia and the Far East. The company’s business plan is influenced by the following views: Financial Perspective The business plan needs to anticipate the reve nue growth. There is likely to be an increase in profitability. Due to its expansion, there will be no cash flow since money is held up. The business must strive to ensure that the cost of production is reduced even as the quality of the product is improved (Hamel, 1989, par.3). Customer Perspective The business must strive to understand what the customers needs are. This means that the key features of the product must be highlighted in their marketing. The value of the product to the consumers can be measured by how well the product is doing in the market in comparison to its competitors. In addition, the rate of acquisition, retention and satisfaction by the customer will be an indication of how well the product is doing in the market (Hamel, 1989, par.7). Internal Business Process Perspective This emphasizes productivity, quality cost and delivery characteristics of the production process. It also includes internal mechanism of handling customer dissatisfaction e.g. meeting regul atory requirements and after-sale service. Learning Growth Perspective This area focuses on the employee needs. The fact that the company has an employee retention rate of 80% at a time when that of the industry is 30%. A swot analysis of MAC cosmetics business strategy reveals that the company has strengths in their products like Heart to soul and their recycling policy dabbed Back-to-Mac recycling. It is also empowered by the fact that the prices of its products are comparatively cheap. This is attributed to the fact that the company does not invest heavily in conventional advertising like its competitors since it relies on the word of mouth advertisement. Its major weakness lies in the fact that their distribution does not include drugstores and therefore unnecessarily losing an available market. One major opportunity available for Mac cosmetics especially now is a joint venture with the second largest company in the US The company needs to explore Far East countries. The major t hreat for the company lies in the fact that its competitors are aggressively distributing their products in major US drugstores while they are not. Recommendation The MAC cosmetic business strategic plan must incorporate internet sale to capture the market outside the US. This is more so considering that the brand distribution does not include drugstores but in select cosmetic stores that have been mandated by the company to sell its products. Conclusion This paper has analyzed the strategic plan of MAC cosmetic business to establish how it relates to external business factors. The paper has also investigated how the businesses plan to meet the need and expectations of the different stakeholders. The major changes taking place in the environment of the company have also been highlighted. The business plan of MAC cosmetic was also subjected to test in order to establish the position of the business in the market. A swot analysis was also done to determine the comparative strength and weaknesses of the business. Reference List Andersen, T 2000, ‘Strategic planning, autonomous actions and corporate performance.’ Long Range Planning, [Online] 33, pp 184-199. https://www.journals.elsevier.com/long-range-planning/. Hamel, G Prahalad, CK 1989, Strategic intent, Harvard Business Review. https://hbr.org/2009/03/four-fatal-flaws-of-strategic.html. Jaharveb, S. Bakhliar A 2011, ‘Idea Generation: A catalyst for productivity and innovation in advertising.’ International Journal of Contemporary Business Studies, vol.3, no. 2, pp. 118-30. Web. Ravi, K., Anupam, S 2011, Corporate Social Responsibility: A corporate vision, International Journal of Contemporary Business Studies, vol.3, no. 2, pp.216-36. Web. Shahbaz, K., Majeed, R., Zio-ur, R 2011, Role of training to Improve employee efficiency (A study of SPEL packaging Industry (Lahore), International Journal of Contemporary Business Studies, vol.2, no.1, pp.233-54. Web.

Sunday, October 20, 2019

How to Manage and Identify American Beautyberry

How to Manage and Identify American Beautyberry Introduction: American beautyberry has colorful berries that last long into winter and are eaten by a variety of wildlife. Beautyberry has proven to be an attractive plant for wildlife within its native range.Birds - including robins, catbirds, cardinals, mockingbirds, brown thrashers, finches and towhees - are favorite consumers of both the fresh berries and shriveled raisins. The fruit is heavily used by white-tailed deer and will be eaten well into late November. Specifics: Scientific name: Callicarpa americanaPronunciation: kallee-CAR-pa ameri-KON-aCommon name(s): American beautyberry, beauty berry, French mulberry,USDA hardiness zones: 6 through 10Origin: native from Maryland to Florida an west through Tennessee, Arkansas and Texas.Uses: natural garden specimen; wildlife food; spring flowersAvailability: somewhat available, may have to go out of the region to find the tree. American Beautyberrys Ecology: Beautyberry commonly occurs on a wide variety of sites - moist to dry, open to shady. A favorite place for the American beautyberry is under open stands of pines. It is a pioneer and grows in newly disturbed forests, along forest margins and along fencerows. It is somewhat fire tolerant and increases in abundance after burns. Birds will readily spread seeds. Description: Leaf: Opposite, deciduous, ovate to broadly lanceolate, 6 to 10 inches long, margins coarsely serrate to crenate except near base and hairy beneath with prominent veins.Flower: Dense axillary clusters with lavender-pink cymes on short stalks.Trunk/bark/branches: Multi-trunked, shade tolerant and with spreading branches. Stems ascending and spreading, opposite branched and young twigs light green. Fruit: The berry is a drupe, purple to violet and particularly attractive in September and October. The showy fruit clusters encircle the entire stem at regular intervals starting in late summer and persist to early winter. Propagation: As I have mentioned, seeds are bird-dispersed and this seeding is a major way the plant spreads. You can also propagate using semi-hardwood cuttings. This shrub often volunteers within its range, sometimes with such vigor that the species can be considered a pest. What the Experts Say!: Dr. Mike Dirr, Professor of Horticulture, University of Georgia: It is a great thrill to experience the plant in the wild, particularly in September and October when the fruit are at their best. This shrub thrives with neglect.Dr. Charles Bryson, Mississippi Botanist:My grandfather would cut branches with the leaves still on them and crush the leaves, then he and his brothers would stick the branches between the harness and the horse to keep deerflies, horseflies and mosquitoes away. In Depth: American beautyberry has a coarse habit, large toothed green to yellow-green oval-shaped leaves that turn chartreuse in the fall. Small lilac flowers appear in late summer, and for the next several months, the fruit, which grow in clusters around the stem, ripen to a vibrant purple color. This woody shrub reaches 3-8 tall and is native to the southeast, where it will grow best in moist areas but can also withstand drought.In the landscape, you can prune Amercian beautyberry if it grows too lanky. Pruning actually makes a very pretty plant. Cut it back to within 4-6 of the ground in early spring as it flowers and fruits on new wood. To make more beautyberries, take softwood cuttings, place them in sand and keep moist. Cuttings should root in one to two weeks.This plant can tolerate extremes of heat and cold, it is very rarely bothered by insects or diseases and will live in most soils. Beautyberry can stand partial shade but is at its best in full sun if provided ample moisture. It wi ll also be denser and more fruitful in sun. American Beautyberry looks best planted in masses and is especially beautiful under pine trees or placed in a shrub border.By late summer and autumn the flowers give rise to berry-like drupes in striking metallic shades of magenta and violet in the fall. The beautyberries are packed tightly together in clusters that encircle the stem. A variety called lactea has white fruits.

Saturday, October 19, 2019

Managing Organisational Change Essay Example | Topics and Well Written Essays - 1500 words

Managing Organisational Change - Essay Example A very important factor to note however is that, organizational changes should not affect the successful running of organizations in any way. In situations where a major organizational change causes adverse effect on the successful running of an organization, we say the organizational change was not well managed (Palmer, Dunford, & Akin, 2008). This brings then to discussion, the issue of managing organizational change. Management of organizational change concerns the factors that organizational leaders put in place in the event of the implementation of any organizational change. Building on this, organizational change has been â€Å"defined as change that has significant effects on the way work is performed† (University of Western Australia, 2010). This means that in the event of putting in place any change that will have significant effect on the way work is performed, organizational leaders involved must be in the position to put in place factors that will ensure the succes sful implementation of these changes. Three major forms of organizational change have been identified by Koduah (2009). According to Koduah (2006), organizational change may be human, technical or financial. Human changes concerns all forms of change that involve the movement, placement or replacement of human resource. This means that organizational activities such as promotion, recruitment, dismissal and retirement all constitute human organizational changes. Human organizational changes may involve massive shake ups, where almost every person in the organization may be affected. It could also be mild whereby only few people get affected at a time. Technical changes involve changes that affect facilities and infrastructure. This does not call for the change in portfolios but may influence how work is done in the organization. If an organization purchases and fixes a new generator plant,

Friday, October 18, 2019

Economics for Hospitality, Tourism and Leisure Essay

Economics for Hospitality, Tourism and Leisure - Essay Example The popularity of Guam as a tourist spot among Japanese could be attributed to the former’s location as well as alignment to East Asian culture. However, recently the set of Japanese tourists has been changed from the traditional set of middle-aged tourists; Guam is recently being viewed as a favorite weekend spot by the Japanese youth (Dougan, 2007). Given the tourism revenues which come from Japan, Guam thus needs to devise new strategies of attracting and retaining the new set of tourists. Marketing decisions are important in the tourism sector which is featured by a high degree of competition (Dasgupta, 2011). In the present case, marketing decisions are necessary to adopt by the Guamanian government to ensure that the Japanese prefer no other destination as a vacation spot. One important strategy they might adopt is to frame new tourism packages for the new set of tourists. In the era of globalization, youth generally are fonder of a culture inclined more towards the West, unlike the middle-aged population. Hence, Guam could pay greater attention to features which are more Western than Asian in order to retain their new set of visitors. It can easily gain the assistance of USA – of which Guam is a territory, in this regard. Simultaneously, they may not neglect their older features as well since such a step might bar the middle-aged population. Guam is more popular as a weekend spot which is why they might not need to hold back upon their traditional culture, as a method to attract the historical tourist. In addition to marketing decisions, the national administration needs to stay alert about the supply side factors as well in order to attract tourists. Supply decisions primarily include the method in which tour operators cater to the needs of visitors to the nation (Shaw & Williams, 2004). In this regard, the national administration could induce tour operators to enter into pacts with hotels so as to make the rates more

Comprehensively describe Cicero's On the republic, Marcus Aurelius Essay

Comprehensively describe Cicero's On the republic, Marcus Aurelius Meditations, Job from The Hoy Scriptures, and St. Augustine's the city of god - Essay Example General structure of the treatise is the following: it consists of six books – each two books are dedicated to each day of conversation. Every day is devoted to the discussion of a certain question: books I and II debate over the best state system , reveal the development of constitution, and give outline of Roman history. Books III and IV discuss philosophical justification of concept of the state (proceeding from idea of justice). And, at last, books of V and VI question the qualities of the best statesman. Extensive parts of the text were lost, only fragments have remained from books V and VI. The treatise comes to an end with a certain deification – a dream vision of Scipio Aemilianus in which he meets Scipio Africanus. The last predicts brilliant fortune to the adopted grandsonand, at the same time, explains to him that people who truly serve the fatherland, deserve immortality and eternal pleasure. This part of the whole treatise became the most famous due to the fact that it was commented by Macrobius who excreted the large parties.Cicero speaks about such sources, as Plato, Aristotle, Theophrastos (and in general the school of peripatetics) besides repeated name of Plato, it is possible to find references on Polibio. â€Å"Meditations† of Marcus Aurelius can be considered the culmination of ancient philosophy with its constant reflections about the nature of human soul, God, and destiny. Marcus Aurelius, one of the greatest Roman Emperors, had passion for philosophy, which, in his opinion, allowed revealing the sense of real life. His famous work was written in the last days of his life in continuous process of thinking, and has a form of personal notebook. There is no particular order of the entries, and occasional groups of quotes are used randomly. The topics of reflections may simply be repeated throughout the book. Therefore, taking into account that

Thursday, October 17, 2019

Causes and Solutions for Groundwater Pollution in Australia Essay

Causes and Solutions for Groundwater Pollution in Australia - Essay Example However, if salinity is too high as a result of existing salt in the materials around the aquifer, then, it is not usable for consumption. If too much water is extracted from aquifers, then, the viability of a variety of ecosystems is at risk. Groundwater provides hydration for areas such as wetlands, streams and even some lakes. Even though the two intermingle, in Australia, the government has managed surface water and groundwater resources as two separate categories. In the country, there are currently 442 groundwater management units, or GMU’s, designated to manage the groundwater inside their territories. Each of these units was selected because the groundwater goes to areas with environmental sensitivity, or because the groundwater was low in salinity. Each GMU has its own aquifer – typically only one, unless there is a series that is connected. GMU’s end at the state and provincial boundaries since the prevailing authority for groundwater comes at the state /provincial level (Ball). For example, four different GMU’s cover the Great Artesian Basin, because it lies under parts of four different states in Australia. When it comes to sustainable yield, the good news is that Australia’s current groundwater yield is more than adequate for the country’s current needs. ... However, extraction is higher in some parts of the country than others. In Victoria and Queensland, for example, almost two-thirds of the sustainable yield is used on an annual basis. The Great Artesian Basin, with around 500 GL in annual sustainable yield, is the largest source of groundwater in the country, containing 11 different aquifers. However, because 570 GL is extracted each year, the current trend is not sustainable (Ball). At present, the most positive signs are the government's commitment to testing aquifers near the coast rigorously to monitor salinity invasion. Also, the testing of river water can indicate the safety of some groundwater sources. However, many rivers do not have any groundwater as a source, so this is an incomplete method of testing. Current Risks While current use of groundwater is within allowable parameters, given the annual available yield, the only reason that groundwater is necessary for extraction is that surface water is being used to excess. The re are many ways to encourage reductions in water consumption, from rebates on low-flow shower heads to the declaration of different stages in water reduction protocols for municipalities. Water consumption is a by-product of social behaviors that are, by and large, out of the government's hands to control, without instituting layers of usage control. Education is an essential strategy; many people just do not know the number of gallons they let flow down the drain each day, during something as straightforward as a morning shower in addition to activities such as running loads of laundry that are not full but using a full load's worth of water, not fixing a leaky toilet or outdoor spigot as well as letting hot water run constantly while shaving. All these are behaviors that do not

Hardware Infrastructure in Any Big Business or Federal Organization Research Paper

Hardware Infrastructure in Any Big Business or Federal Organization - Research Paper Example Project Objective: The project’s objective involves the identification of several needs and difficulties encountered during the process of managing information and Technology infrastructure basing on several factors. This involves the scope of the project together with the assigned deliverables. Factors to consider include technology comparison, financial budgeting, inventory assessment, and associated costs. Deliverables: 1. Determine efficiency of an organization’s resources 2. Determination of the reliability of an organization’s current assists 3. Determine the cost of infrastructure upgrade Milestones: The completion of the project has to take place before 2016. According to Chambers (2015), the instantaneous events associated with the IT project include; 1. Permits Approved- 20th October 2015 2. Assets inventory Taking – 20th October 2015 3. Determination of costs involved in supporting and maintaining hardware – 20th November 2015 4. Evaluation of probably available technology – 30th November 2015 5. Making of the financial budget – 5th December 2015 6. Final Inspection – 30th December 2015 Technical Requirements: The project considers many technical issues so as t successfully attain the desired objectives. The technical aspects touch on the availability, reliability, and the performance of the project (Ambler, 2004). 1. Determine the challenges of changing old/Obsolete Information Technology hardware infrastructure 2. Renew the IT infrastructure with an organizations budget

Wednesday, October 16, 2019

Causes and Solutions for Groundwater Pollution in Australia Essay

Causes and Solutions for Groundwater Pollution in Australia - Essay Example However, if salinity is too high as a result of existing salt in the materials around the aquifer, then, it is not usable for consumption. If too much water is extracted from aquifers, then, the viability of a variety of ecosystems is at risk. Groundwater provides hydration for areas such as wetlands, streams and even some lakes. Even though the two intermingle, in Australia, the government has managed surface water and groundwater resources as two separate categories. In the country, there are currently 442 groundwater management units, or GMU’s, designated to manage the groundwater inside their territories. Each of these units was selected because the groundwater goes to areas with environmental sensitivity, or because the groundwater was low in salinity. Each GMU has its own aquifer – typically only one, unless there is a series that is connected. GMU’s end at the state and provincial boundaries since the prevailing authority for groundwater comes at the state /provincial level (Ball). For example, four different GMU’s cover the Great Artesian Basin, because it lies under parts of four different states in Australia. When it comes to sustainable yield, the good news is that Australia’s current groundwater yield is more than adequate for the country’s current needs. ... However, extraction is higher in some parts of the country than others. In Victoria and Queensland, for example, almost two-thirds of the sustainable yield is used on an annual basis. The Great Artesian Basin, with around 500 GL in annual sustainable yield, is the largest source of groundwater in the country, containing 11 different aquifers. However, because 570 GL is extracted each year, the current trend is not sustainable (Ball). At present, the most positive signs are the government's commitment to testing aquifers near the coast rigorously to monitor salinity invasion. Also, the testing of river water can indicate the safety of some groundwater sources. However, many rivers do not have any groundwater as a source, so this is an incomplete method of testing. Current Risks While current use of groundwater is within allowable parameters, given the annual available yield, the only reason that groundwater is necessary for extraction is that surface water is being used to excess. The re are many ways to encourage reductions in water consumption, from rebates on low-flow shower heads to the declaration of different stages in water reduction protocols for municipalities. Water consumption is a by-product of social behaviors that are, by and large, out of the government's hands to control, without instituting layers of usage control. Education is an essential strategy; many people just do not know the number of gallons they let flow down the drain each day, during something as straightforward as a morning shower in addition to activities such as running loads of laundry that are not full but using a full load's worth of water, not fixing a leaky toilet or outdoor spigot as well as letting hot water run constantly while shaving. All these are behaviors that do not

Tuesday, October 15, 2019

Innovation and Enterprise Buisness plan Essay Example | Topics and Well Written Essays - 2000 words

Innovation and Enterprise Buisness plan - Essay Example ......................4 3.2 Opportunity specification indicating costs and payback.......................5 3.3 Staffing of the proposal.........................................................................7 3.4 Application of the proposal to future planning......................................8 4. Conclusion...................................................................................................9 References...............................................................................................................10 1. EXECUTIVE SUMMARY Competition is a characteristic of every market and thus, businesses have to come up with ways that they can use to deal with the competition in their market. In the sector of petroleum engineering, the competition is high since the number of businesses dealing in exploration and sale of oil and gas products is very high. The report aims at giving one strategy that can be used by a business to increase its customer base. The strategy d iscussed in the report is introduction of new products in the market through exploration. Chevron is petroleum engineering Coorporation based in California, which mainly deals with exploration and sale of crude oil, natural gas, and other petroleum products. The report gives the details that the company will follow in its proposal of exploring a new petroleum reservoir in UK. Therefore, the report will analyse such issues as the staffs required, the financial analysis, and the use of the proposal in future planning of the company. 2. INTRODUCTION Chevron Company was started in the year 1879 as Pacific Coast Oil Copmany. It is in the year 1984 that its name was changed to Chevron, after a merger with a company referred to as Gulf Oil Corporation. The company explores, produces and transports crude oil and natural gas. In addition, the company also manufactures and transports petroleum products. Over the years, it has also managed to generate power and produce renewable energy sources such as geothermal energy. Chevron Corporation is recognized as one of the leading energy companies in the world due to its high capacity fuel production. For instance, the company produces over 2.5 million barrels of oil per day. Despite this high production, the company still desires to explore more oil in order to meet the increasing energy demands of the world. Therefore, the company is planning a project that will aid in aid in exploration of a certain identified oil reservoir. The major objective of the exploration is to assist the company to increase its production capacity. The products manufactured thereafter will also widen the market of the company since; customers will have a variety of petroleum products from which to choose. In addition, the company will be able to meet customers demand for energy. 3. PROJECT DESCRIPTION 3.0 Goals and Objectives The key goals and objectives of the project are to ensure increased and diversified variety of energy sources in the company (Kahn,  2006, 5). In addition, the project also aims at increasing the number of customers served by the company. On the other hand, other factors such as competition and increased demand for petroleum products have also caused the company to consider exploring the new oil reservoir. This is because; the company will be more competitive in the market if it serves more variety of products than its competitors do. The company also has a goal of meeting the customers’ needs that have not yet been met. For instance, some customers

Pride and Prejudice by Jane Austin Essay Example for Free

Pride and Prejudice by Jane Austin Essay Contrast and compare the two marriage proposals made to Elizabeth Bennet in the novel: Mr Collins proposal to Elizabeth and Darcys proposal to Elizabeth Jane Austen lived in a mercenary world and this is reflected in her novel. In Pride and Prejudice no secret is made of the need to marry for money. Jane Austen reflects different types of marriage in her novel. There is mercenary marriage, brought about solely for economic reasons. Such would have been the marriage between Mr Collins and Elizabeth. Mr Collins proposal was fuelled by his own economic motives, desire to please the aristocratic Lady Catherine and by Mrs Bennets economic fears that Elizabeth will inherit little money when her father dies: not real feelings or any aspect of love. Contrasting this is the ideal marriage. Marriages rationally founded, based on, excellent understanding, and, general similarity of feeling and taste, (Chapter 55) Such is the marriage between Darcy and Elizabeth. Although Elizabeth refused Darcys first proposal, it was ultimately made because of true emotional feelings, respect and admiration for Elizabeth. The main reason for Mr Collins selection of a wife in Elizabeth is economic convenience. Her farthers house is entailed to him. By marrying Mr Collins, Elizabeths family will not be left without a home. Many aspects of Mr Collinss proposal reflect his lack of feeling. The first being how the proposal comes about. He comes to Hertfordshire, with the design of selecting a wife, and he ironically feels that his choosing one from Longbourn was, disinterested on his own part, due to the estate being entailed to him. Any lady form Longbourn will suffice. Elizabeth was not even his first choice, but Jane was believed to be soon united with Mr Bingley. He admits to Elizabeth that the house is a motive for his choice, proving that his proposal is dominated by economic convenience not love. His proposal was far from a spontaneous act of love. It was planned and his choice designed with Mrs Bennet. Elizabeth was clearly aware of his intentions, and tries desperately to avoid being put in a position where they can come out. However once forced to by her mother, Elizabeth wishes  to, get it over as soon and quietly as possible. Elizabeth obviously does not have feelings for Mr Collins and takes no pleasure in his proposal. There is a sense that Mr Collins talking through a set of words throughout his proposal. He addresses Mrs Bennet with great formality, it gives a sense that he has pre-designed his address to her. Mr Collins is following the rules, saying what he is supposed to say; not what he feels. His whole proposal to Elizabeth gives a sense of an order of service, with a script that could be applied to any character. The speech is very impersonal. Mr Collins talks of, young ladies, your sex. There is exceedingly little mention of Elizabeths character or Mr Collinss admiration for it. It feels as though Mr Collins could apply his speech to anybody, and later does with Charlotte. The content of Mr Collinss dialogue throughout his proposal is very explicit in its lack of feeling. He begins by stating his reasons for marriage. His first reason it that he feels he should, Sick Equation the example of matrimony. he believes marriage will add to his happiness, and Lady Catherine told him, Mr Collins, you must marry. A clergyman like you must marry. Mr Collins wants a good little wife to use as a tool to improve his public image. He talks of how a marriage will please him. He does not talk bout how the union between him and Elizabeth will bring him great happiness. It does not matter who his bride is, as all he wants is a wife, to improve his status and please Lady Catherine; he does not have to have feelings for her. It could be said that Mr Collinss greatest incentive to marry is to please Lady Catherine. He is being forced into a proposal by another woman, not true feelings. Although there is a mention of his feelings, Mr Collins talks of how, the violence,; of his affections would overlook the downside to marrying Elizabeth . Not how violently he respects and admires her. Darcys proposal is a complete contrast in its emotional conflict. The whole proposal is much more dynamic and there are clearly strong emotions and feelings involved. Darcy immediately tells Elizabeth he loves her. Wards are used such as, and agitated manner, the color rose, became pale with anger, painfully greater, these clearly demonstrate dynamic, strong feelings. They illustrate the greater depth of feeling felt throughout  Darcys proposal than in that of Mr Collins. Mr Collins proposal was mainly fueled by the great convenience in Elizabeth marrying Mr Collins. However Darcys proposal is very far from convenient. Although technically in the same class, Darcy is viewed to be much above Elizabeth in society and a marriage between them would not be viewed as idea. Mr Collins is following the rules in his proposal; talking to Mrs Bennet, saying what he is supposed to and attempting to please Lady Catherine. In contrast Darcy is compelled by his feelings to break the rules, by not doing what society expects of him. Mr Collins proposal was greatly fueled by Lady Catherine and his desire to improve his standing in society. However Darcy is fueled by his feelings to go against society and potentially decrease his social standing. Darcys true love for Elizabeth overcomes all the sociable reasons for not marrying E. Darcy is a very strong character, however he struggled, in vain, to overcome his feelings. Darcys feelings managed to overcome him. Showing their strength and power. Their proposals act as a great insight into the character of Mr Collins and Darcy. Mr Collins proposal greatly shows what is important to him. The thing of greatest importance to him, seems to be money and connections. His public persona is very important, he was to marry to improve it and please Lady Catherine. Mr Collins sees money and high connections with people such as Lady Catherine as reasons for happiness and why Elizabeth should marry him. He does not appear to realize that not everyone is as materialistic as him. Mr Collins is driven into his proposal by economic reasons and Lady Catherine, which seem more important to him than love. The importance of high standing people such as Lady Catherine to Mr Collins is also very apparent in his proposal. He is clearly obsessed by her high social status. He wants to marry because Lady Catherine tells him, A clergyman like you must marry. He allows her to choose what type of woman he should marry, a woman, active and useful, not brought up high, but able to make a small income go a good way. Lady Catherine tells Mr Collins to choose a woman with these characters, not just for Mr Collins sake but for her own. Mr Collins allows another womans wishes to dominate his choice in  a wife. Perhaps Lady Catherines feelings are more important to him than his own or his potential wife. One of the greatest things Mr Collins can offer seems to be Lady Catherine. He says to Elizabeth, I do not reckon the notice and kindness of Lady Catherine as among the least of the advantages in my power to offer. This again demonstrates Mr Collins lack of recognition of the fact that not every one feels high connection and money to be the greatest importance in life. As well as money and connections Mr Collins believes Lady Catherine to be more important than love. Mr Collins personality traits are also portrayed very well in his proposals. He is unmoved by Elizabeths refusal and continually refuses to accept it. His first reaction is to dismiss the refusal, with a formal wave of the hand. He believes, it is usual with young ladies to reject the addresses of the man whom they secretly mean to accept. He then goes on to say, ; give me leave to flatter myself,; theat he believes Elizabeths refusal, is merely words of course. he clearly has an extremely high opinions and an over confidence in himself and his situation in life; he simply cannot believe why anyone would not wish to be a part of that. Despite great efforts from Elizabeth to convince him otherwise, Mr Collins still leaves his encounter iwth Elizabeth, believing, his proposals will not fail of being acceptable.; it is greatly apparent that Mr Collins is too conceited to accept Elizabeths strong refusal. He is deluded enough to believe himself and Lady Catherine as irresistible to Elizabeth, and will not believe it when she manages to revisit them. He goes as far as too view the refusal as encouragement. There are further aspects of his proposal exposing Mr Collins character. He explains his second reason for marrying as being to add very greatly to my happiness. This add to the partial of him as selfish and self obsessed. He does not make any secret of his motives for marrying as being Lady Catherine and the convenience of a marriage between him and a lady from Longbourn. He is again too deluded to see that saying this would not impress Elizabeth and says, I flatter myself it will not sink me in your esteem. There is a sense that he has such a high opinion of himself, he feels that it does not matter what he says, Elizabeth will want to marry him. He is even deluded  enough to believe Elizabeth should be grateful for his proposal he speaks to Elizabeth with great contempt and fails to realize that this may displease her; not encourage her to marry him. He tells Elizabeth that her, with and vivacity, will be, tempered with the silence and respect which her rank will inevitably excite, when talking about Lady Cather. Implying that Elizabeth should be extremely intimidated by someone such as Lady Cather. He later goes on to denigrate Elizabeth by telling her, Your portion is unhappily so small that it will in all likelihood undo the effects of your loveliness and amiable qualifications.; he is clearly too deluded and foolish to realize insults are not the way to a womans heart. Much of Darcy character is also revealed in his proposal. He is clearly not used to feeling the way that he feels. He first, sat down for a few moments, then walked about the room. He is seemingly unaware of how to deal with this situation. He came toward Elizabeth, in an agitated manner. Darcy is far form his usual character of cool composure. He has clearly been moved by visible feelings; unlike Mr Collins. Darcy shows that money and status are important to him as well. He says, In vain I have struggled; and in spite of all his endeavors,; Darcy cannot overcome his feelings and must express them to E. Unlike Mr Collins Darcy talks of his great affections for Elizabeth. However just as Mr Collins Darcy also talks of money and connections. His speech is described as being, not more eloquent on the subject of tenderness than of pride.; although money and status are undoubtedly very important to Darcy, unlike Mr Collins, he proves that love and happiness are more important to him. Darcy is portrayed as being very honest. He gives Elizabeth the full story of his affections; the good and the bad. He makes not attempt to deny his actions in trying to separate Mr Bingly from Elizabeths sister, even though he must be aware that it will damage Elizabeths opinion of him. The fact that Darcy is willing to give Elizabeth the full story, reflects the openness and extent of Darcys feelings for Elizabeth. Darcy is much more realistic and down to earth than Mr Collins. He is not too  deluded to realize that the insults of Elizabeths family will damage her pride and upset her. However Darcy respects Elizabeth, and feels it better to give her the full story. Darcy is not too conceited to hear Elizabeths refusal. He accepts it and is clearly moved by it. His, complexion became pale with anger, and he struggles, for the appearance of composure. He stops Elizabeth and, hastily left the room. Despite his higher status than Mr Collins, Darcy is not too self absorbed as to not believe Elizabeths rejection as being real. Darcy his giving everything to E. He gives her the full story. He shows her all his feelings; and vulnerably puts his entire self out on the line. By exposing himself so openly, he wants the great gift of love and happiness. However Mr Collins proposal in comparison is very superficial. He is not searching for lover or a joyous union between man and wife, but selfishly, and improved social standing for himself. As well as contrasts some similarities can be found between eh two proposals. Both Mr Collins and Darcy assume a positive outcome to their proposal and an acceptance of their offer. It is apparent that Mr Collins is so ceratin of acceptance, as he is os greatly conceited and believes that what he can offer will be unavoidably tempting to Elizabeth; she will not be able to refuse. However there is a sense that Darcys assumption is based on other reasons. It feels as though, Darcys feelings are so strong and have been so overpowering that he has not thought of refusal. Perhaps he feels that it would not be possible for him to feel so strongly for her, if Elizabeth did not feel the same. Although he assumes acceptance, when Darcy is faced with refusal he accepts it very quickly, unlike Mr Collins. In their proposals both Mr Collins and Darcy inflict pain on Elizabeths pride by reminding her of her vulnerable social situation. Mr Collins is willing to over look Elizabeths poor fortune. Darcy has been forced by his true love to overcome his question about Elizabeths social standing. Mr Collins sees economic reasons, his high connections, his ability to improve, Elizabeths social standing, and his opportunity to improve his social status by obtaining a wife, as reasons for marriage, not the opportunity of  love and happiness. Darcy however does not try to use his ability to improve Elizabeths economic situation as reasons for her accepting his hand. Darcy sees the questionable economic and social situation as a reason for not marrying Elizabeth . In contrast to Mr Collins he sees the potential for love and happiness as the fuel for marriage, not money. It is because of this that he is able to overcome his pride and propose. We can also obtain many aspects of Elizabeths character, from her behavior during and reaction to the two different proposals. Elizabeth is clearly very sensible. When Mr Collins presses for time alone with Elizabeth she immediately knows what is going on, and tries desperately to avoid it. Unlike maybe some of her younger sisters she is not naive, and does not simply desire for male company. Elizabeth later goes on to asset the sense of her character, by responding to Mr Collins ridiculous assumptions that Elizabeths refusals is just part of a game that many young women play, by saying, I do assure you that I am not one of those young ladies, (if such young ladies that are) who are so daring as to risk there happiness on the chance of being asked a second time. Elizabeth is clearly too sensible to play such games. She is not so stupid as to risk true love and happiness, and maybe too sensible to see how anyone could be so insensible as to do so. As well as sensible Elizabeth comes across as very civil and level headed. She does not cause a scene, does not loudly refuse Mr Collins and revoke his insults. In stead she wishes to finish the ordeal as quickly and, as quietly as possible. At first Mr Collins declaration of his love makes Elizabeth, so near laughing that she could not use the short pause he allowed in any attempt to stop him farther. this reflects Elizabeths light spirited character and good sense of humor. Despite Mr Collins constant disbelieve of the reality of Elizabeths refusal, Elizabeth still remains calm and civil. She does not appear as ill-tempered and is perhaps sensible enough to realize that becoming upset and excited will not help the situation. She attempts to blame her refusal on herself and lack of ability to please Lady Catherine. She says to Mr Collins. were your friend Lady Catherine to know me, I am persuaded she would find me in every respect ill qualified. She does not personally insult Mr Co llins, but instead attempts  to find excuse for her denying his proposal. This again reflects her civil character. It seems as though Elizabeth does not like insulting confrontations with people. She is desperate to leave her encounter with Mr Collins under good conditions. However Mr Collins continues to persist in his proposal. Despite attempts to remain civil, as Mr Collins continues to reuses the reality of her refusal Elizabeth becomes more agitated. She cries to Mr Collins, with some warmth, your puzzle me exceedingly, Elizabeth is seemingly too sensible for such foolishness and silly games; and they clearly agitate her. However instead of insults, Elizabeth reverts to her trade mark irony as she becomes more angry. It is a reflection on her good nature a strength that she remains so calm during such an infuriating ordeal. Elizabeths connection in intellect and sense with her father is revealed at the end of the proposal. Elizabeth acknowledges that she will not be able to convince Mr Collins and immediately thinks of her father. Sh knows that his character is just as sensible as her own, and unlike her mother, her father will not make her marry such an obsurd man. Many of the aspect of Elizabeths character are also revealed in Darcys proposal. As with Mr Collins Elizabeth did not want to see Md. However this is due to her dislike of his character; not even her sense could foresee this proposal. After Darcy beings his proposal, he views Elizabeths silence as, sufficient encouragement, to continue. This agin reflects Elizabeths strength of character. She is clearly recognized by Darcy as a woman with strong mind and opinions. Elizabeth was at first sorry for the pain he was to receive. This shows that Elizabeth is a compassionate character. Although she deeply dislikes Darcy; she is not so spiteful as to wish to inflict any pain on him. Elizabeth evidently feels much more emotion throughout Darcys proposals. Phrases are used such as, color rose into her cheeks, she was roused to resentments, she lost all compassion in anger. However despite heightened emotions, Elizabeth still tries to remain patients and composed. It is clear  the Elizabeth feels much more for Darcy. She is much more personal in her responses to him. She Darcy, I have never desired you good opinion. She makes no secret of her dislike for him. She informs Darcy that it is not only his proposal on which her, dislike was founded. Elizabeth is clearly very passionate about Darcy, even if she does not like him. She is insulted by him, and cannot remains so civil as with Mr Collins. She cannot brush away Darcys insults as she can with Mr Collins. This is all because she feels for Darcy and does not for Mr Collins. Elizabeth clearly cares deeply for her family, as she particularly struggles for composure, after Darcy confirms his actions causing hurt to Elizabeths sister Jane. As well as the creditable aspects of her character, Elizabeths greatest fault is also displayed. Her fault being prejudice. She bases her deep, deep dislike of Darcy, on the opinions she formed of him after their first meeting. In her final dialogue of Darcys proposal Elizabeth says, from the first moment I may almost say, of my acquaintance with you, your manners impressing me with the fullest belief of your arrogance, your conceit, and your selfish disdain. Because of this opinion Elizabeth automatically believes Wickhams story. The believe of his story, inflated Elizabeths bad opinion of Darcy, and greatly fueled her dislike. Elizabeth does not even think to consider her view of Darcy may be incorrect. She does not hesitate in firing her insults at him and shows great prejudice towards him. Elizabeth does not acknowledge the feelings of either of the men proposing to her. She knows she will not make Mr Collins happy. Elizabeth believes that after Darcy has exposed his love to Elizabeth he, can have little difficulty in overcoming it. Elizabeth appears completely ignorant to the stir she has cause in d. The reflects her modesty. She does not have an over inflated image of herself and is too sensible to feel that men should always fall in love with her. Throughout both proposals, despite being annoyed, angered and hurt, Elizabeth always tries to retains her composure. Although this is a merit to her strength of character, it could also be interpreted in a different way. Perhaps Elizabeth tries to remains calm because she cares aobut what others  think of her. She does not want to be viewed as ill-tempered or hot headed. Instead as the civil sensible character, that she is. I feel the greatest tribute to Elizabeths strength of character, is her refusal of both proposals. She proves herself to be, much wiser and much more confident than Charlotte Lucas, who accept Mr Collins proposal. Elizabeth will not just marry for convince and the safe entail of Longbourn. Elizabeth shows that she is too strong to be swayed into acceptance, by a rich husband and a lavish existence. Unlike Mr Collins, Mrs Bennet and Charlotte Lucas, Elizabeth proves that love and happiness are the most important thing to her, not economy and status; love will be the only reason why she will marry. Typically, Mrs Bennet is reflected very badly in her attempt of match making. In discussion with Mr Collins, Mrs Bennett assumes that Elizabeth will accept Mr Collins proposals. This shows that both feel money and connections are suitable reasons for accepting a marriage. The both assume that Elizabeth also views status as more important than love. Mrs Bennett does not think to consider the feelings of her daughter. She overlooks Elizabeths discomfort and vexation, and continues to pressure Elizabeth into time alone with Mr Collins. This implies that to Mrs Bennett improved social connections, the secure knowledge that her house will remain in her family, are more important than the feelings of her family. This is later supported by Mrs Bennetts reaction to Elizabeths refusal. She refuses to talk to Elizabeth for what she has done. This probes that Mrs Bennett attaches a greater value to status, than to love and enjoyment of her family. There is a sense that she wishes to be the boss. Whatever she tells her children to do is right and must be done. However she does not have the wit or intellect to command such control. Instead, just as a child, she sulks when her authority is not followed. Elizabeth maintenance of a civil manner throughout the proposals, shows that she is more sociably acceptable than her mother. Despite Mrs Bennetts constant attempts to improve her social standing. One of the Jane Austens greatest tricks, is her ability to adapt her script  to influence the reader into feeling what she wants them to feel. This is very apparent in the two proposals. For Mr Collins proposals, Jane Austen includes the full dialogue of his declaration. This has great effect. By including the full script of Mr Collins dialogue it enhances the effect that Mr Collins is talking through a script. You get the full flavor of his pre-designed speech; and the extent of his lack of feeling. Jane Austen uses the opposiet tactic achieving an opposite effect for Darcys proposal. She does not write the full dialogue of Darcys proposal. Instead she depicts the events in a narrative form. This helps to maintain the reader like towards d. Elizabeths fault is prejudice and Darcy is pride. Due to his nature and the society hie lives in Darcy will inevitably damage Elizabeths pride with insults towards her status. However these are not included in the dialogue. So the reader comes to respect Darcy for telling a true story of his love; but without disliking him for rude conceited remarks, as with Mr Collins. There is a further effect form the authorial comments. The ending to Mr Collins proposal, leaves a definite finality to the situation. Although Mr Collins leaves convinced they will marry, Elizabeth knows otherwise. She will apply to her father, who will make no doubt of the fact that Elizabeth does not wish to accept Mr Collinss proposals. Elizabeth does not reflect on his proposal; and there is no question that she does not feel for Mr Collins. However with Darcy it is different. Elizabeth is definitely moved by his proposal. She sat down and cried for half and hour. She considered her meeting with Darcy, in very agitated reflections until the sound of Lady Catherines carriage. There is no sense of finality to Darcys proposal or Elizabeths feelings. As the reader is aware that Elizabeths passionate hatred is founded on prejudice, you cannot help but wonder that if she were to over come her fault, her passion towards Darcy might change. It is clear through the proposals that women did not always have a very high standing. For some women were simply interchangeable. For example when Mr Collins finds that Jane is taken he immediately move his marital interests to Elizabeth. It appears that women did not always have a high enough  standing to even choose their partner in marriage. Some women were forced into marriage not by love or choice, but by family and the pressure to increase or maintain a social reputation. For example Mrs Bennett attempts to force Elizabeth into marrying Mr Collins.. It is not all women who have Elizabeths strength of character not to be pushed, for example Charlotte did not. It appears that women could sometimes be the victim of emotional blackmail. For example Mr Collins tires to convince Elizabeth to marry him by telling her that it is unlikely any one else will offer, as her, portion is unhappily so small. Mr Collins proposal also suggests that what women said in reply to a proposal did not always matter. Mr Collins finally resigns himself to saying that even if Elizabeth continues to refuse, her mother will ensure a marriage. However Darcys proposal contradicts this. Darcy takes note and respects Elizabeths refusal. He make no attempts to bribe or pressure her as he realises she does not love him. Both proposals reflect the great importance of money and class when it comes to marriage. Mr Collins proposal was fueled by economic and social reasons. It appears that to some these are substantial enough reasons for marriage. Mr Collins tells, your portions is unhappily so small that it will in all likelihood undo the effects of your loveliness and amiable qualifications. This implies that many would feel, class many would feel, class, money and connections to be more important than admiration of the other, when in search of a bride. Even Darcy who feels genuine love for Elizabeth, must mention money. In the society of the time, money and class are such important issues that Darcy cannot let them escape when proposing. Although it is revealed that money is very important when it comes to marriage, it is also apparent that true gentlemen such a Mr Darcy will not befall to snobbery, they can overcome economic situations, because they have the correct moral understand to know that lov e is most important.

Monday, October 14, 2019

Analysing Risk Management In Holiday And Hospitality Industries Tourism Essay

Analysing Risk Management In Holiday And Hospitality Industries Tourism Essay Loyalty of guests and tourists is created only by strong relationships where the guest feels special and important. Generally, people go to a hotel or plan for a trip on an emotional feeling. The feeling should be good, risk free, safe, and effective and even to increase their confidence. Almost all guests go to a hotel for the same reason. If the hotel gives them a homely feeling then they will come over there again and again. But, if the hotel is not making them feel important or special, they will buy it somewhere else. The loyalty of customers is totally dependent upon how safe they feel at hotel. They should feel important and special. They should get proper attention by the hotel they dealing with. The hotel should believe that the guests coming to the hotel are an important part of servicing customer needs. In order to make a loyal guest, we need to go ahead of their expectations from the hotel. The WTO (World Tourism Organization) had conducted a research on tourism all across the world. They have provided some of the critical and interesting facts on the contribution of Tourism and Hospitality Industry to the whole world. The Average Annual Increase is 4.0 %. But his sector is also facing a number of risks and we are trying to manage those risks! The main aim of the risk management process is to increase the prospects and opportunities and decrease the consequences of a risk event. During the whole process, there are common conventional stressors, but our reaction to those stressors differs from person to person as we are all unique persons. The anxiety and confusion that come from not knowing what lies ahead can create stress. People used to utilize basic defenses when high degree of uncertainty arises. In this state of vagueness, generally people easily way out to disbelieve, removal and self-defense. Individuals are told that the ways used in old days are no longer functioning and often this note becomes modified that they are not appreciated. We need to work hard to manage any kind of risk successfully. When everything is planned carefully, the proper foundation is being built, launching a product becomes much easier, and we can improve the chances of success. If we are too impatient, and if we expect too many results too soon, our plans for change are more likely to fail. It is therefore of critical importance that the present tourism systems should be considerably made stronger to give comfort to the tourists from all across the world. www.gov.ab.ca/edt/tda/abstats.htm B.C. Visitor Study Highlights; Tourism British Columbia. Today the Hospitality and Tourist Industry is facing the following type of risks: Safety Risks Technology Risk Political Risk Business Risks Financial Risks Following is the process of Risk Management: The big Picture; 1997-98; Vol. 41, Travel Industry World Yearbook. METHODOLOGY Online research data has been taken from different web sites, articles, and theoretical studies from different books. We have used the methodology of collecting information from both the sources. And these sources include personal interaction with experts which is the primary source of information and information collected from websites is the secondary one. LIMITATIONS Following are some of the limitations which the Hospitality Tourist Industry is facing: Incorporation of appropriate planning and implementation process. There should always be a planned and prepared safety measures for the tourists. Consideration of core principles and limits of suitable change recognition and protection of major assets including both cultural and natural, while authorized access to hospitality and tourism. There should always be a control of tourists/tourism that is completely different each year/season. There should be a clear specific definition of education and limits to both tourists and locals. Ministry of Small Business, Tourism and Culture, Tourism Highlights 1992; by Industry Research BODY OF REPORT Tourism Hospitality Industry is facing followings types of risks: While planning g a trip for a hilly area, conditions at site may go beyond control. Entrepreneur/management/tourist industry Lack of understanding between Contractor and owner. Generally, frequent changes in designs/planning/execution instructions etc lead to misunderstandings. Economical and financial risk- Unavailability of funds, Inflation, Change in orders etc. Environnemental conditions, natural restraints and contraints, RÃ ©habilitation. X factor Natural calamities such as, Earthquake, Flood, Fire, Cyclone, Unknown factor. International or local market conditions. Political risks- Changes in rules and regulations, War or political uncertainty. In order to meet with the above risks, following services should be provided by the tourism industry for their tourists: The tourism industry should make the trip THE BEST and THE SAFEST by providing different kinds of advanced life-enhancing amenities and should also provide vital support to the tourists. They always need to keep coming up with new products that are specially developed for older age and physically challenged people, and which will be quite helpful in their trip. Provide advice and information through their help lines, publications and online at all times. Fund pioneering research into all aspects of trips. Join forces that will ensure more of their funds go where theyre needed. The main aim of developing customer service standards is to continuously change and make periodical updating desirable. For this reason the company offers a feedback form in electronic format. To perform the task of updating, it would welcome getting relevant feedbacks and requests from guests to further improve the service. www.tourism.gov.au/publications. Whenever a guest coming to the hotel he/she will be asked to fill up the following table: Activities Service levels Actions How do you find the environment? Friendly or Boring What changes guest wants? Do you think u get proper attention from the hotel staffs? Yes or No Where is the gap? What you liked and what you would you like to change about the following: Services, Spectrum of facilities available What kind of change you want? Any references? Yes or No Name of the references In the hotel, the following form is used for recording informal comments by guests. The following feedback form should be received by the respective hotel staffs. Guest Feedback Form Date: __________________________________________________ Guests name: ________________________________________ Room No: ____________________________________ Phone: ________________ Email: ___________________________ Rate the following factors on a scale of 1 to 5 (5 being the best) The hotel has provided clear information about what kind of services are available. 1 2 3 4 5 Before the start of service, goals and expectations were jointly identified. 1 2 3 4 5 The hotel staff has conducted a needs assessment to identify your specific needs for happy and safe stay 1 2 3 4 5 The hotel staff was able to support all your needs at the hotel 1 2 3 4 5 The hotel staff provided you with sample list of facilities prior to stay. 1 2 3 4 5 The hotel staff keeps you aware of any changes in availability of the rooms. 1 2 3 4 5 The hotel staff provides feedback every activity. 1 2 3 4 5 The hotel staff provides recommendations about future stay. 1 2 3 4 5 Following strategies should be implemented: The main aim the strategy should be to ensure guests feel safe, supported and have access to appropriate services. To achieve this, they are keen to explore ideas for working in partnership across government as well as with business and the community. The law in Australia is developing a whole-of-government loom for the way they support tourism into the future. The strategy is going to identify priority areas for action with an emphasis on making positive changes in tourism industry. Social isolation is one of the main reasons behind severe health problems. Basically, the meaning of social isolation is a small interaction of people with others mixed with the feeling and experience of loneliness. It has become a serious problem for people who are into this situation because it is giving a very adverse impact on health and wellbeing of people. Even though the most of the people are not isolated socially, the number of individuals at risk of societal separation is expected to rise with the ageing of the people. And these kinds of individuals are either retired, physically handicapped and suffering from ill health or death of a partner. So, in order to help this particular section of population, Tourism and Hospitality Industry is taking a number of different measures (as motioned below). The Vancouver Sun; June 1998, Tourism Tops in Job Creation Study. Improving conditions: In order to improve the condition of the Tourism, the governenmnet of Australia is coming up with the following services: Rates of the hotels should be decreased and should provide proper services. The hotels should always be kept clean and hygienic. To keep the place clean and hygienic there should be a well managed house keeping department. As we know that the success any organization is totally dependent upon the employees of the organization. If the employees are getting their job satisfaction then only they give their 100% to the organization. So, If the emplyees of the hotels are not satisfied with their salary, then they should be paid competitively. So the salaries should be competitive (In comparison to other organizations). Hence, agency should always do Salary survey, to settle this grievance of the Employees. Employees nature of the job should be demanding and challenging at every stage but not so complex that it comes out completely impossible. It should not be boring, hence, set challenging goals for the employees of the hotels. Upward/Downward flow of communication should always be ensured. Management of the agency should be highly effective. All the employees of the hotels should feel the sense of belongingness with the kind of work they do. Doctors (In case of emergency during the trip) should always play the role of counselors and mentors in the hotel industry. At all times, the hotels should identify the need of the Employees as well of the diseased people and should decide the motivation strategy. If the social work agencies are facing difficulties in reaching the place, then the government should also provide transportation to them. In order to promote its marketing plan, the hotels should arrange a presentation to make the people aware of the changes to be implemented and has planned to establish a regular schedule of meeting with the partners. One of the hotels in Australia has described its promotional strategy in the following chart: Ability to meet challenges Hospitality Tourism is one of the most vibrant international industry hubs. The industry always enhances its service abilities to meet continuously changing demands of market and particular requirements of the customers. Currently, there are many stimulating growths have taken place in this industry. Their ruthless expansion is in complete move. Tourism British Columbia.B.C, Visitor Study, The Report on Visitors to B.C. Rockies tourism Region 1998. CONCLUSION Based on the reputation of royal chain of hotels one can say that there will not be any compromise to the royal and luxurious services of the hotel. This royal chain of hotels has been known to generate maximum revenue in Hotel business; it has some of the best marketing minds and would definitely come up with plans to attract maximum guests. Going on the reputation of the management it is pretty sure it would sort out all the issues which are there in design, planning of the hotel. Hospitality and Tourism Industry has great prospects and is good for any kind of investment. RECOMMENDATIONS (Adction Plan) Their vision should see a world in which people flourish. Their mission should be to give the best service to the people. They should make a real difference to the stay of people. They should create one united team that will be stronger and more influential than ever before. They should develop excellent and sustainable services that enhance peoples stay. They should deliver transformational and sustainable change through their research, policy and influencing. They should always provide definitive services tailored specifically for people staying there. They should maximize their reach through proper advertisement. They should create a powerful and a compelling sector. They should create an effective partnership with their national and regional networks. The building layout should be arranged in such a manner that it will suit each and every kinds of guests. Major part of labor force will be replaced by technology. It will be more profit oriented. The hospitality industry should provide some sort of corporate discounts. The hotels must revisit the rates plan for the rooms and suites in comparison to other hotels in the city. It would be more effective and revenue earning if the distribution would be in decreasing order where the rates are in increasing order. The Tourism Industry should ensure that guides of the tourists prior to commencement of new assignments have received adequate training and information enabling them to understand the hazards of work and to protect their health from hazardous ambient factors that may be present. The training must adequately cover: a) Knowledge of equipment, materials, and tools; b) Known hazards in the operations and how they can be controlled; c) Potential risks to health; d) Precautions to prevent exposure; e) Hygiene requirements; f) Use of protective clothing and transport and; g) Appropriate response to operation extremes, incidents and accidents.

Saturday, October 12, 2019

Images of Blood in Faulkners Light in August Essays -- Faulkner Light

Images of Blood in Faulkner's Light in August      Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   "Blood" is considered by many to be one of the most important ties between human beings; it is therefore frequently used as an image that defines a character or a relationship between characters in a novel. For example, a prince might be defined by his "royal blood," or a weak man described as having "thin blood." Close friends may be "blood brothers," or families may have a "blood feud." In William Faulkner's Light in August, the image of blood permeates the themes of sexuality, race, and religion. Blood is common to all of these themes: it is evident in reproductive cycles and births, it is a medium for the genetic passage of race from one generation to the next, and it serves as a symbol of life or death in many religions. Faulkner centers these powerful images of blood around Joe Christmas, the main character, whose blood, as a force giving him the will to live, is strong despite his sins. Christmas associates physical blood with his impressions of women, defines races and genders by the smell of their blood, and is guilty and damned because of the darkness in his "black blood." Christmas's view of the world and of issues Faulkner intimately relates to him, in particular sexuality, race, and religion, is tinted by the images of blood revolving around him.    Blood is one of the most important elements in Christmas's view of sexuality. He has a twisted perception of women and his sexual role due to his traumatic first exposure to sexuality at the age of five, in which he perceived the sex act as violent and disgusting. Christmas overheard a sexual ... ...ng him lifeless both physically and spiritually, though his influence lasts beyond his years. Christmas's "mixed" blood and mixed ethnicity provide imagery for the themes of race and religion; his conception of himself and the world is strongly impacted by his confusion over these two issues. His ideals are further affected by the connections he draws between blood and sexuality: he views blood as an inherent part of femininity, and he sees sex as a violent struggle for dominance. Whether it is a definition of race, a definition of sin or godliness, or a definition of the essence of females, the image of blood influences Christmas's perception of the world around him.    Works Cited Faulkner, William. Light in August. 1932. Notes Joseph Blotner, Editor's note Noel Polk. New York: Vintage Books, 1990

Friday, October 11, 2019

Countrywide Financial

Countrywide Financial: The Subprime Meltdown Course:| MAN3065| | Team or Group #:| 8| Date submitted:| 02/27/13| Reference#:| 726077| | Term:| 2012-2| | Days:| M & W| | Time:| 7:05pm – 8:20pm| | Prof: | Hoa N. Burrows, CPA| Countrywide Financial: The Subprime Meltdown Questions: 1. Are subprime loans an unethical financial instrument, or are they ethical tools that were misused? We believed subprime loans are ethical tools that were misused.Subprime loans involve â€Å"lending to borrowers, generally people who would not qualify for traditional loans, at a rate higher than the prime rate† (Ferrell et al 385) meaning that it is a financial instrument in which borrowers benefit from accessing capital that otherwise would have been denied to them, and financial institutions benefit from charging a higher interest. What made subprime loans so attractive was the fact that it enabled low-income individuals and minorities (no qualifies for regular loans) to have access to home ownership.In the right hands, in the right time, a subprime loan could signify an important tool for different minorities to improve the quality of their lives by obtaining financing for more than just home mortgages but also school tuition, for example (Iacono). However, as the Countrywide Financial case illustrates, there is wide misuse of this tool by institutions that engage in indiscriminate lending for the sake of short-term profits at the risk of major financial downturn, as in the 2008-2009 financial crisis. Ferrell et al 388) Moreover, while lending money to low-income and minority families justifies a higher interest rate due to the risk of debt default, lending money to families that would very unlikely be in the capacity to fully repay their mortgage is a threat to both the financial institution – who would had lost the invested money – and the borrowers who would be forced to face foreclosure; but even more threatening were the endless securities backed on these subprime loans, whose real risk were only known by Countrywide Financial.By deciding to lend money indiscriminately, this company ended up misusing a financial instrument that would have otherwise brought on progress for its customers and the company itself. 2. Discuss the ethical issues that caused the downfall of Countrywide Financial Different ethical issues caused the downfall of Countrywide Financial including unethical actions of both the company and the borrowers. Firstly, Countrywide Financial misused the adjustable rate mortgage (ARM): Borrowers were told that they would not get negatively affected with an increasing interest rate as the value of their property would increase accordingly.Nonetheless, when the recession came many of these borrowers discovered they were unable to pay. (Ferrell et al 386). Secondly, between many of the accusations against Countrywide, two of the main ones were that â€Å"real estate appraisers began to inflate the value of homes to ens ure that loans would go through. † (Ferrell et al 387), and that they had a special VIP discount mortgage programs for high-end well qualified individuals who had no need for discounts, called â€Å"Friends of Angelo†, Angelo Mozilo’s – Countrywide Financial CEO -friends including Senator Charles E. Schumer and Representative Henry A.Waxman. (Ferrell et al 390) Fourthly, Countrywide Financial was negligent in knowingly â€Å"giving out highly risky loans to people who could not afford them for the sake of quick profit† (Ferrell et al 389) which also brought out the question of whether the company was also involved in predatory lending – misleading its borrowers. (Ferrell et al 389) On the other hand, borrower’s actions were also unethical as it was proven they were dishonest in their loan applications: â€Å"90% of liar loan applicants knowingly overstated their income, with three out of five overstating it by at least 50%. However th is fact only seems to prove that Countrywide was helping borrowers falsifying information in order to secure the loan. (Ferrell et al 389) 3. How should Bank of America deal with potential ethical and legal misconduct discovered at Countrywide Having acquired Countrywide Financial’s debt and bad reputation, Bank of America should focus on disconnecting itself from previous affiliates that were a part of the former company during their financial meltdown, such as ex CEO Angelo Mozilo, ex COO David Sambol, and ex CFO Sieracki (Ferrell et al 392).In addition to this they should make sure that the required information is being promptly provided to pertaining authorities. Moreover, Bank of America should ensure that a proper risk management policy is set up, continuing as well with programs to ease loan terms and prevent borrowers from losing their homes, such as the Countrywide Comprehensive Home Preservation Program which helped consumers refinance their debt. Ferrell et al 388) In conclusion, Bank of America should continue with their current actions whilst making sure the authorities are getting the information necessary to reach the bottom of what really happened at Countrywide Financial, and thus prevent this situation from ever happening again. . Works Cited Ferrell, O. C. , John Fraedrich and Linda Ferrell. Business Ethics: Ethical Decision Making and Cases. Mason: South-Western, 2011. Iacono, Tim. â€Å"Iacono Research†. One-Third of Student Loans Are Subprime Loans. 04 02 2013. 22 02 2013 .