Ch7 - reflectional journal Essay Example | Topics and Well Written Essays - 250 words

Ch7 - reflectional diary - Essay Example The benefits of addressing in learning show that addresses trigger disparate reasoning, energize reflection, construct internal comprehension, advance authentic information, and sustain focalized thinking. When addressing, instructors ought to consider the structure of addressing with the goal that they can adjust the propriety of the inquiries in the educating and learning process. Instructor reactions impact viable learning process and are indispensable in light of the fact that the educator must consider the appropriate responses given by the students in an empowering way so the student can feel spurred. Moreover, the instructor ought to react in a broad manner whereby he/she extends the student’s answer for better comprehension of the substance being inquired. Development of a student’s reaction supports and spurs the student as in the student accomplishes a feeling of gratefulness and inside the correct way to finding the correct solution. At long last, the instructor ought to likewise test when addressing to leaners questions; this is whereby the educator addresses further the appropriate responses given by the student. This strategy tests whether the student has comprehended the idea being found out. In summation, the creator focuses that instructors ought to embrace a suitable method of addressing and replying during the educating and learning process with the goal that the targets of the exercise are remarkably met making the educating successful. In summation, the creator focuses that educators ought to embrace a proper method of addressing and replying during the instructing and learning process with the goal that the targets of the exercise are extraordinarily met making the educating

The American Dream Negative and Positive Aspects

The American Dream Negative and Positive Aspects Presentation The American dream is one of the most loved beliefs of the country and it has become a piece of the American national personality. This national way of thinking states that the United States of America is a place where there is fresh chances to succeed and each individual has equivalent chance, paying little heed to their financial foundation, for thriving and achievement on the off chance that they utilize their abilities and buckle down. Definitely, the American Dream has affected ages of residents who look to get more extravagant and better lives as per the dream.Advertising We will compose a custom article test on The American Dream: Negative and Positive Aspects explicitly for you for just $16.05 $11/page Learn More However, the US has encountered huge disparity and neediness even as more individuals seek after this fantasy. These issues have prompted inquiries with respect to whether the American Dream is a decent or an awful thing for the visionary and the general public. This paper will contend that the American Dream is terrible in light of the fact that it disregards the developing disparities, advances independence and supports realism by the American individuals. The American Dream: A Bad Philosophy The American Dream makes a fantasy of balance while actually influence and riches impact the financial results of a person in the United States. The recognition that the US offers equivalent open doors for was previously enunciated in the Declaration of Independence. In this archive, Thomas Jefferson confirmed the perfect of equivalent rights and open doors for all by pronouncing, All men are made equivalent (376). This perfect is reverberated by Lincoln in the Gettysburg Address where he weights on the significance of freedom and balance in the arrangement of the United States (1). Accordingly, the American Dream suggests that every individual has equivalent open door in the US despite their experiences. Accordingly, even a kid conceived an d raised in neediness has a chance to accomplish incredible riches in the nation. Be that as it may, this isn't the situation and a person’s financial roots enormously decide their future success. This announcement is fortified by the way that the countries riches is moved in the possession of a couple of well off people and the hole between the rich and the poor is ever augmenting in the nation. The Dream is in this manner a terrible thing since it makes light of the truth that the US is where influence and riches impact a ton. The American Dream empowers independence and an absence of worry for the more unfortunate individuals from the general public. The goals advance the ethos of individual accomplishment through difficult work. Since the fantasy attests that everybody has equivalent chance and can thrive in the event that they buckle down, the countries washouts are accused for their issues. The defenders of this fantasy recommend that any individual can succeed on the o ff chance that they change themselves and utilize their ability in this place where there is fresh chances to succeed. From the presumption that everybody has equivalent chances to flourish, all people are relied upon to make progress in the event that they work hard.Advertising Looking for article on sociologies? We should check whether we can support you! Get your first paper with 15% OFF Learn More Such a viewpoint overlooks the absence of chances that people from poor foundations frequently face. Since neglecting to be effective is accused on the individual and not the framework set up, the administration and other network individuals are not slanted to successfully cure the circumstance. Individuals are just worried about their prosperity in this way making a general public that couldn't care less for its less blessed. The goals of the American Dream wrongly liken financial flourishing with bliss. The American Dream depends on the beliefs of making an increasingly effective lif e by trying sincerely and winning more cash. It proposes that once one makes progress, financial extension, and social portability, he/she will encounter satisfaction and happiness. The fantasy urges realism above everything else and this might be unsafe for the general public. The American Dream has become a bad dream truly since empathy for individuals has everything except vanished as more individuals become engrossed with getting more cash. In Fitzgeralds Winter Dreams, the youthful sure and persevering Dexter Green is committed to picking up riches and status, well in accordance with the American Dream. He is persuaded that accomplishing this will give him delight and fulfillment. Be that as it may, when Dexter accomplishes his objectives of riches and influence, he understands that his fantasies are fanciful and he will never get the joy he looks for through accomplishing riches and status (Fitzgerald 23). The American Dream has been utilized as a defense for sketchy direct by people who are attempting to accomplish a few objectives or desire that are in accordance with the goals of the fantasy. The Dream is anything but a very much characterized idea and it has been extended and adjusted to fit a wide range of individuals and chronicled conditions. The fantasy has suited migrants, street pharmacists, just as aggressive young people longing to improve a life for themselves. The conspicuous Civil Rights Activist figure Martin Luther King utilized the American Dream to legitimize the common rebellion that he was upholding (608). From these models, plainly the American Dream can be utilized to legitimize both respectable and sketchy causes. Positive Aspects of the Dream On the positive side, the American Dream has been utilized as a device for progress and the advancement of solidarity. The possibility of the American Dream was instrumental in the foundation of the United States as a nation free from Britain. The American Dream was a basic topic in the Decl aration of Independence that is connected to opportunity of the American individuals (Jefferson 377). The fantasy likewise filled in as an instrument to conquer servitude in the eighteenth century.Advertising We will compose a custom article test on The American Dream: Negative and Positive Aspects explicitly for you for just $16.05 $11/page Learn More Because the fantasy expressed that fairness and opportunity were requirements for all Americans, the abolitionists utilized the American Dream to advocate the liberation of the slaves. President Lincoln referenced the American Dream in his endeavor to bring together the warring residents and advise them that they all battled for the goals it spoke to. The American Dream has likewise filled in as motivation for individuals to battle for their privileges and advance equity in the general public. This is best exemplified by Martin Luther King who battled for the fantasy of uniformity. Lord accepted that all individuals in the US ought to have indistinguishable rights and openings from it is conceded in the Declaration of Independence (622). With such a profound conviction, he had the option to assemble individuals and in the end accomplish the social liberties for the African-American populace in the US. The American dream in this manner roused individuals to battle for their privileges in the nation. The American Dream has advanced the free enterprise monetary framework, which is the most great framework for financial development and improvement. The fantasy advances the goals of Capitalism where every individual is compensated dependent on their endeavors. Individuals are in this way urged to try sincerely and their endeavors are compensated through better compensation as well as professional success. The American Dream hence adds to the development of the country’s economy since when people seek after and accomplish their fantasies; the monetary results of the nation are improved. Conversation and Conclus ion Despite being the most extravagant nation on the planet, there is noteworthy neediness and financial imbalance in the US. This circumstance can mostly be accused on the American Dream. The American Dream isn't one dream yet a lot of standards that have been created after some time. While the fantasy establishes a wide scope of thoughts, they are completely founded on accomplishing succeeding, achievement, and carrying on with a decent life. This Dream isn't feasible since people will consistently need more than what they have and consequently end up in a condition of discontent. Also, the fantasy decreases social attachment since it empowers independence and an overemphasis on material belongings. The industrialist framework advanced by the American Dream favors the minority capital patrons to the detriment of the regular workers. Private enterprise additionally empowers misuse of others so as to make more money.Advertising Searching for paper on sociologies? How about we check whether we can support you! Get your first paper with 15% OFF Find out More This paper set out to contend that the American Dream is awful for the individual and the general public all in all. To this end, it set out to feature the negative results of the fantasy. The American dream makes a misguided feeling of uniformity and advances independence. This paper has exhibited that the American Dream has wandered off-track and is today far off for most Americans. The United States is a place that is known for fresh chances to succeed and freedom, however these open doors are not accessible similarly. Rather than advancing the all inclusive success and equity, it accept to maintain, the American dream includes energized enormous imbalance inside this incredible country. References Fitzgerald, Scott. Winter Dreams. The Blair Reader: Exploring Issues and Ideas. Ed. Kirszner, Laurie and Mandell, Stephen. Vancouver, Prentice Hall, 2010. Print. Jefferson Thomas The statement of Independence. The Blair Reader: Exploring Issues and Ideas. Ed. Kirszner, Laurie and Mandel l, Stephen. Vancouver, Prentice Hall, 2010. 375-378. Print. Ruler, Luther. Letter from a Birmingham Jail. The Blair Reader: Exploring Issues and Ideas. Ed. Kirszner, Laurie and Mandell, Stephen. Vancouver, Prentice Hall, 2010. 608-622. Print. Lincoln, Abraham. The Gettysburg address. 19. Nov. 1863. Web. abrahamlincolnonline.org/lincoln/addresses/gettysburg.htm

Organizing a Sports Event in Australia-Free-Samples for Student

Question: Talk about abouts the Attraction and Event Management. Answer: Presentation The principle kinds of the occasion mulled over have been seen with arranging a game in Australia. The fundamental thought has been seen in arranging a cricket occasion in Sydney Cricket Ground. The principle attractions have been seen with players from Swanbourne Cricket Club. Structure or Content As a rule Sports and the social occasions are believed to be expanding mainstream in nature and the arranging of such an occasion primarily mulls over the fitting reverberation of the onlookers. In Australia sporsts apparently serves the primary reason for the establishment. The sorting out of the cricket occasion in Sydney Cricket Ground has been arranged under significant occasions. Henceforth, this occasion has the capacity of pulling in critical monetary advantage and media inclusion (Beech, Kaiser . also, Kaspar 2014). The commercialization procedure of the games and the adjustments popular in for the cricket occasions have prompted need productive administration of the games. Notwithstanding this the expanded interest the requirement for game administration has expanded (Masterman 2014). Area and Size Sydney Cricket Ground (SCG) and the Sports Ground are perceived for overseeing of Australias sports settings to be specific Sydney Cricket Ground and Allianz Stadium. The arena has been additionally recognized as the focal area for the universal games and has about 100 games and the shows each year. This area has had the option to demonstrate as the perfect area for facilitating the cricket occasion dependent on the fame of the taking part clubs (Sydneycricketground.com.au. 2017). During the underlying opening of the arena in 1988, it had a limit of 44,000 seats anyway later on it was expanded to 48000 seats. The area of the arena has been believed to be perfect as it will have the option to incorporate an all out assessed limit of 17000 seats (Tyson 2016) Spending Consideration Occasion Budget - Cricket Tournament Spending Summary Rundown of Expenses and Income All out Expenses Costs $247,905.00 Area $75,000 All out Actual Income Occasion $128,850 $278,260.00 Food Drink $11,180 Equalization Supplies $20,000 $30,355.00 Other $12,875 All out $247,905 Costs Depiction Classification Amount Unit cost Sum Arena Rental Area 1 75,000.00 75,000.00 Ground Staff Occasion 200 300.00 60,000.00 Suppers Food Drink 260 43.00 11,180.00 Changing area Supplies 4 5,000.00 20,000.00 Shirts Other 45 15.00 675.00 Player Fees Occasion 56 1,200.00 67,200.00 Grants and Gifts Other 4 2,500.00 10,000.00 Umpire Fees Occasion 3 550.00 1,650.00 Cleaning Staff Other 10 220.00 2,200.00 Complete Expenses $ 247,905.00 Salary/Funding Portrayal Unit Cost Gauge Qty Gauge Amt Real Qty Real Amount Ticket Sales 10.00 17000 170,000.00 18600 186,000.00 Jersey's 30.00 800 24,000.00 622 18,660.00 Enlistment 25.00 3200 80,000.00 2800 70,000.00 Patrons 400.00 6 2,400.00 9 3,600.00 Complete $ 276,400.00 Complete $ 278,260.00 Number of Participants The primary members of the occasion have been found in type of the investment of four significant Australian cricket clubs to be specific Perth Cricket Club, Kenilworth Cricket Club, Melbourne Cricket Club and Swanbourne Cricket Club. The principle hosts of the occasion have been related to the players having a place with the Swanbourne Cricket Club. Perth Cricket Club is viewed as the significant cricket club in the Western Australia locale, Kenilworth Cricket Club is viewed as the fundamental cricket club from Adelaide (South Australia), Melbourne Cricket Club from southeastern Australia and Swanbourne Cricket Club Western Australia (Supovitz 2013). The principle members of the arena have been additionally distinguished as far as the Ground Staff (200), Players (56), Umpires (3) and cleaning staff (10). Occasion Stakeholders and their inclusion The partners commitment has been essentially delineated with the different kinds of the supporters of the occasion. The headliner backer for the occasion has been found as far as Kookaburra. It is was set up in 1890 and distinguished as 100% Australian family possessed business driving in athletic gear perceived universally. A portion of the items incorporate assembling of supplies, for example, cricket and field hockey things (Kookaburra.biz 2017).The contribution of a portion of different backers has been additionally observed on terms of AIME, Black Dog Institute, CARE Australia, Greening Australia, OzHarvest. AIME has in excess of 5000 college understudies with biggest volunteer development of the Students from the University understudies situated in Australia. It has been additionally observed that the inclusion of the different kinds of the patrons has been capable help the occasion costs and the media inclusion (Smith et al. 2013). End The report has been helpful in comprehension of the occasion life pattern of the occasion the executives. The different sorts of the parts of the occasion has been encircled as far as occasion thought, plausibility, offering of crusade, scene ground breaking strategy, occasion marking technique, occasion facilitating and spending estimation. A portion of different contemplations have demonstrated the contribution of the members of the occasion. References Kookaburra.biz. (2017).Kookaburra Cricket Hockey About Us | Site India. [online] Available at: https://www.kookaburra.biz/en-in/about/[Accessed 8 Aug. 2017]. Masterman, G., 2014.Strategic game administration. Routledge. Smith, K., Holmes, K., Storer, C., Lockstone-Binney, L. what's more, Baum, T., 2013. Models of game administration and volunteer motivation.CAUTHE 2013: Tourism and Global Change: On the Edge of Something Big, p.761. Supovitz, F., 2013.The game administration and promoting playbook. Wiley Global Education. Sydneycricketground.com.au. (2017).Sydney Cricket Sports Ground Trust - About Us. [online] Available at: https://www.sydneycricketground.com.au/about-us/[Accessed 8 Aug. 2017]. Tyson, B., 2016.Sports Event Management. Routledge.

Environment Essay Example | Topics and Well Written Essays - 500 words - 4

Condition - Essay Example As far as the earth, thorium is a superior item rather than uranium. In the response procedure, the majority of the thorium is combusted such that the greater part of the thorium is spent. This implies a lower measure of waste is delivered. In the long run, there are less unsafe squanders in the environmental factors. This contention favors thorium reactors since its protection from emergencies is more noteworthy. This implies it is more secure, in spite of the fact that there is consistently the chance of some harmfulness. It is toxic for the time being, yet almost innocuous in the long haul in contrast with uranium. Albeit them two are atomic reactors, they utilize different parting responses. Basically, this implies there are various items and properties that emerge from the responses. While uranium can't be effortlessly utilized with thorium, thorium can be blended in with other uranium extricates. This implies its utilization doesn't imply that uranium would be outdated. They can be utilized together to shape greater and progressively intense mixes. In any case, logical research shows that the get together of thorium isn't as tranquil as that of uranium. Deductively, thorium isn't fissile. While uranium can part to frame an atomic chain response, thorium can't part. All things being equal, it very well may be made fissile through the siege of various synthetic responses. Aside from that, the harm caused in the Fukushima debacle confirms how unpredictable uranium can be. In actuality, thorium doesn't show such responses, and it can't be utilized in making weaponries. If there should arise an occurrence of a calamity, a thorium response can be halted on the grounds that it isn't fissile. As far as thickness, thorium is around multiple times heavier than uranium and other lead items. Thorium is maybe superior to uranium as an atomic reactor. In the fundamental, it is a superior substitute when compared to uranium. Be that as it may, there still exists a few difficulties in the utilization of thorium, basically in view of individual government aides. Throughout the years, the utilization of uranium has shaped a

Tips For Writing College Essay Papers

Tips For Writing College Essay PapersWriting college essay papers can be very difficult for an average student. However, it doesn't have to be a process that you dread! With some tips and tricks that you can apply, your essay will be finished on time and with a high quality final draft.There are a few tips and tricks that you should know about when it comes to writing your college essay. These tips are simple and can really help you write the perfect college essay. This is not only good for students to be aware of but also for those that need some extra help with their essay.The first main tip that you need to know about is that it's important to get it all organized in your head before you start writing. You need to start out with an idea of what you want your essay to accomplish. Then, start organizing your thoughts and ideas so that you can use your critical thinking skills to come up with a well-written and concise conclusion to your essay.As you are doing this, make sure that yo u get it down on paper so that you can keep your writing organized and flowing smoothly. You can use words and sentences from other essays or articles that you have read, or even make up new sentences. Try to be creative, but remember that this should be a relatively short essay.Remember that if you're going to write the essay, you'll need to go ahead and invest the time that it takes to make it as professional as possible. This may mean investing time into your writing process in order to make it as complete as possible. You don't have to be ashamed to spend your own time on your work, as long as you are sure that you are capable of finishing the project on time.Another tip that you should keep in mind when writing your college essay is to just write. In fact, as long as you give yourself enough time to come up with a well-crafted thesis statement, you should be able to easily come up with a cohesive, organized structure for your essay. You don't have to stress over a certain type of paper to be written - you just have to make sure that you've put enough thought into the writing that you can write it as quickly as possible.Writing college essay papers is a process, and it can take a lot of time. However, you shouldn't let the time you spent worrying about how to go about it affect your overall success as a student. You have to do your best and write your essay well - not worry about the process, but instead focus on writing the best essay that you can.If you want to write a great essay, remember to do a first draft, then edit it, and then revise it. It can take time, but once you understand what you want to say and the best way to organize your thoughts, you will have a better chance of putting together the most polished final draft that you can. Don't underestimate the amount of work that is required to write well and to make sure that your essay is well written and well organized.

These Books About Social Media Influencers Are Better Than Instagram

These Books About Social Media Influencers Are Better Than Instagram The internet has changed the world in meaningful ways. It stands to reason that the internet would change our books too. And I dont just mean how we  read  them, either. Im talking about the literal content of our books, which is constantly shifting to capture current web culture. Lately,  Ive been interested in reading books about social media influencers. Particularly, fiction in which influencers are a central part of the narration, though nonfiction written by people who make a living on Instagram and YouTube is fascinating too. Here are 13 great reads that focus on social media influencers and their role in an ever-evolving society. Fiction About Social Media Influencers 1. The Circle by Dave Eggers If youre looking for an excuse to quit the internet and become a woods-dwelling hermit,  The Circle  is it. This is an absolutely chilling novel about a woman named Mae Holland who goes to work for a powerful (think: Google) Silicon Valley company that quickly takes over her life. And I mean, her entire  life.  Its all about the things we give up for the sake of convenience and digital connectivity. 2. Follow Me Back by A.V. Geiger Tessa Hart is agoraphobic, but on Twitter shes @TessaHeartsEric, one of the preeminent members of the fandom for pop star Eric Thorn. When one of her posts goes viral, she catches the object of her affections attention…however, maybe not for the reasons she hoped. There are mixed reviews on Amazon and Goodreads about the agoraphobia representation in this book, so maybe read a few reader responses before you dive in. 3. An Absolutely Remarkable Thing by Hank Green This is a thoroughly modern exploration of what it means to find viral fame on the internet. April May, a normal twentysomething with a corporate graphic design job, is first to discover and document a mysterious statue that appears on the streets of Manhattan. Her video catapults her to international notoriety literally overnight as these statues, dubbed the Carls, appear in cities all over the world. April has to balance her new reality as a public figure with the mystery of the Carls. 4. Dont Call Me Baby by Gwendolyn Heasley Mommy bloggers are endlessly fascinating and its about time we got some fiction about them. Imogene grew up in the spotlight thanks to her mother documenting every milestone on her popular parenting website. As a teenager, she finally gets the opportunity to tell her side of the story  thanks to a school project. 5. Surveys  by Natasha Stagg Like Hank Greens April May, the main character of  Surveys is a young woman who somewhat accidentally finds fame as an influencer. Like most young influencers, she moves to Los Angeles and falls in love. However, nothing quite goes according to plan. Its a satirical coming-of-age novel that sounds perfect for fans of the movie  Ingrid Goes West. 6. #FashionVictim by Amina Akhtar Akhtars debut novel is about a fashion editor with a to-die-for social media presence. Shes so eager to be on top of her game shes willing to do anything to get there. Described on the blurb as Dexter  meets  The Devil Wears Prada, this is a deliciously wild ride. 7. Eliza and Her Monsters by Francesca Zappia Shy Eliza Mirks is reserved at school and popular on the internet. Online, she illustrates the webcomic Monstrous Sea  for her millions of subscribers. Then Wallace Warland moves to town. He draws her out of her shell and threatens to upend the careful balance between Elizas two lives. The book also uses mixed-media to tell the story. 6. Snotgirl Vol. 1: Green Hair Dont Care by Bryan Lee OMalley and Leslie Hung The creator of  Scott Pilgrim  brings us this graphic novel about fashion blogger Lottie Person. Lee OMalley brilliantly parodies the stereotypical Los Angeles social media star lifestyle. Leslie Hungs gorgeous illustrations bring the story to life. Influencers lend themselves well to comic books. Both rely heavily on aesthetics, after all. Also, I love the gross title contrasted with the glam cover. 8. #Murdertrending by Gretchen McNeil This books takes place in a near-future world where public executions are once again a thing…on an app called The Postman. In other words, its a pretty grim take on social media mob mentality. 9. Internet Famous by Danika Stone The title is a little on-the-nose, but  Internet Famous  is a charming romance. Madison Nakama is a social media star whose flirtation with a commenter catches the attention of a relentless  troll. 11. Ripper  by Isabel Allende A modern take on Jack the Ripper featuring an online mystery game and a teenage detective? Sign me up! Its the perfect internet book for thriller fans. Non-fiction About Social Media Influencers 12. Capture Your Style by Aimee Song In Capture Your Style,  Song of Styles Aimee Song shows the work that goes into creating the perfect Instagram. She uses pictures from her own social media profiles to illustrate her photography, style, and editing tips. Youll learn how to take professional-quality images using only your iPhone and a few apps. 13.  Trick Mirror: Reflections on Self-Delusion  by Jia Tolentino This isnt about influencers the same way other books on this list are. But New Yorker  staff writer Jia Tolentino is an essential voice on the topic of internet culture. Several of these essays indeed do focus on the nightmare social internet, as the official blurb puts it, and how its changing us, for worse or for better. Happy scrolling!

Quirky Scholarships Just as Good as Traditional

Here's one way to make a dent in your college bill: Shoot a video depicting the destruction of your flashcards. Sound odd? It is. But it's also a $500 scholarship offered by SimpleLeap Software, an Atlanta-based firm specializing in education applications. Like many college scholarships that aren't based on need or academics, SimpleLeap's scholarship is best described as unusual. And while Kalman Chany, author of "Paying for College Without Going Broke," estimates that such scholarships make up only 2 percent of the total dollars out there, many experts say they are a good way for students to fill in the gaps to cover books, meals and other expenses. Where to look If you're looking for unusual college scholarships, the first place to go is online, says Joe Orsolini, president of College Aid Planners in Glen Ellyn, Ill. Fastweb.com boasts 1.3 million traditional as well as unusual scholarships, totaling more than $3 billion per year. Fastweb.com and Scholarships.com are among the best sites to research, according to Orsolini. But many people are using these sites, increasing the competition for scholarships, he cautions. If you know what you want to study, industry trade associations are good places to look, says Steve Loflin, executive director of The National Society of Collegiate Scholars in Washington, D.C. According to Loflin, many trade groups offer scholarships to students interested in a particular field. For example, Loflin points to the William L. Cullison Scholarship offered by the Norcross, Ga.-based Technical Association of the Pulp and Paper Industry, which awards up to $4,000 to students planning to attend an accredited school to study pulp and paper science. Even if you aren't sure about your major, trade groups may still reward your passion if you're willing to put in some work. For example, The Englewood, Colo.-based National Beef Ambassador Program, a project sponsored by the cattle industry, offers students $1,000 to become beef ambassadors. The application process includes a presentation on beef and an interview, and winners represent the industry at various events throughout the year. It's also advisable to check with your school, which may offer scholarships that aren't listed elsewhere. Improve your search When you're looking for scholarship money from unlikely sources based on unusual criteria, conducting an effective search can be a real challenge, especially when you're working with a large database of offerings. One important first step is to do a self-examination. "Before searching, map out your personal strengths and unique talents," Loflin says. "Many of these unusual scholarships are not related to academics. Do you have an uncommon last name? Are you over 6 feet tall? Do you play the bassoon? Analyze your favorite hobbies and extracurricular activities and seek organizations that promote them." Loflin suggests it's also a good idea to think about yourself in a demographic or geographic sense because some scholarships may be based on factors like ethnicity, religion or your hometown. Before you cash the check When you're trying to pay for college, you might think that any money is good money. But before you cash that scholarship check, you'll want to make sure it won't make a dent in the financial aid you get through your school. According to Orsolini, offsets vary by school, so it makes sense to check with your college financial aid office. Some schools do a dollar-for-dollar offset, meaning that a $500 outside scholarship will result in a $500 deduction from the financial aid package. Of course, that might still be a good deal if you're reducing your amount of student loans. Other schools deduct a percentage of the money that students receive from outside scholarships. Still, others let you keep the entire amount if it's under a specified threshold. Taxes For the most part, grants and scholarships don't trigger a taxable event. "The general rule of thumb is if you are a degree candidate and the funds go to pay for tuition, books, fees or equipment, the funds are tax-free," says Orsolini. A tax issue may arise if the terms of the scholarship require that it be used for other purposes such as room and board, or specify that it cannot be used for tuition or course-related expenses. Orsolini says even if the money is subject to taxation, most college students don't earn enough income to reach the threshold to pay taxes anyway. Avoid scams While pursuing unusual scholarships can be a good way to find extra cash for college, Peter Ratzan, co-founder of College Planning Specialists of Florida, cautions that students need to search with their guard up. According to Ratzan, applicants should never pay a fee to compete for a scholarship, nor should they pay a "processing fee" for a scholarship the student has won. Similarly, the Federal Trade Commission warns against applying for scholarships that advertise money-back guarantees or ask for credit card or bank information. The FTC also says to avoid services that claim to offer information you can't get anywhere else and to ignore letters or calls informing you that you've been selected for a scholarship you never sought. Posted June 25, 2010 Here's one way to make a dent in your college bill: Shoot a video depicting the destruction of your flashcards. Sound odd? It is. But it's also a $500 scholarship offered by SimpleLeap Software, an Atlanta-based firm specializing in education applications. Like many college scholarships that aren't based on need or academics, SimpleLeap's scholarship is best described as unusual. And while Kalman Chany, author of "Paying for College Without Going Broke," estimates that such scholarships make up only 2 percent of the total dollars out there, many experts say they are a good way for students to fill in the gaps to cover books, meals and other expenses. Where to look If you're looking for unusual college scholarships, the first place to go is online, says Joe Orsolini, president of College Aid Planners in Glen Ellyn, Ill. Fastweb.com boasts 1.3 million traditional as well as unusual scholarships, totaling more than $3 billion per year. Fastweb.com and Scholarships.com are among the best sites to research, according to Orsolini. But many people are using these sites, increasing the competition for scholarships, he cautions. If you know what you want to study, industry trade associations are good places to look, says Steve Loflin, executive director of The National Society of Collegiate Scholars in Washington, D.C. According to Loflin, many trade groups offer scholarships to students interested in a particular field. For example, Loflin points to the William L. Cullison Scholarship offered by the Norcross, Ga.-based Technical Association of the Pulp and Paper Industry, which awards up to $4,000 to students planning to attend an accredited school to study pulp and paper science. Even if you aren't sure about your major, trade groups may still reward your passion if you're willing to put in some work. For example, The Englewood, Colo.-based National Beef Ambassador Program, a project sponsored by the cattle industry, offers students $1,000 to become beef ambassadors. The application process includes a presentation on beef and an interview, and winners represent the industry at various events throughout the year. It's also advisable to check with your school, which may offer scholarships that aren't listed elsewhere. Improve your search When you're looking for scholarship money from unlikely sources based on unusual criteria, conducting an effective search can be a real challenge, especially when you're working with a large database of offerings. One important first step is to do a self-examination. "Before searching, map out your personal strengths and unique talents," Loflin says. "Many of these unusual scholarships are not related to academics. Do you have an uncommon last name? Are you over 6 feet tall? Do you play the bassoon? Analyze your favorite hobbies and extracurricular activities and seek organizations that promote them." Loflin suggests it's also a good idea to think about yourself in a demographic or geographic sense because some scholarships may be based on factors like ethnicity, religion or your hometown. Before you cash the check When you're trying to pay for college, you might think that any money is good money. But before you cash that scholarship check, you'll want to make sure it won't make a dent in the financial aid you get through your school. According to Orsolini, offsets vary by school, so it makes sense to check with your college financial aid office. Some schools do a dollar-for-dollar offset, meaning that a $500 outside scholarship will result in a $500 deduction from the financial aid package. Of course, that might still be a good deal if you're reducing your amount of student loans. Other schools deduct a percentage of the money that students receive from outside scholarships. Still, others let you keep the entire amount if it's under a specified threshold. Taxes For the most part, grants and scholarships don't trigger a taxable event. "The general rule of thumb is if you are a degree candidate and the funds go to pay for tuition, books, fees or equipment, the funds are tax-free," says Orsolini. A tax issue may arise if the terms of the scholarship require that it be used for other purposes such as room and board, or specify that it cannot be used for tuition or course-related expenses. Orsolini says even if the money is subject to taxation, most college students don't earn enough income to reach the threshold to pay taxes anyway. Avoid scams While pursuing unusual scholarships can be a good way to find extra cash for college, Peter Ratzan, co-founder of College Planning Specialists of Florida, cautions that students need to search with their guard up. According to Ratzan, applicants should never pay a fee to compete for a scholarship, nor should they pay a "processing fee" for a scholarship the student has won. Similarly, the Federal Trade Commission warns against applying for scholarships that advertise money-back guarantees or ask for credit card or bank information. The FTC also says to avoid services that claim to offer information you can't get anywhere else and to ignore letters or calls informing you that you've been selected for a scholarship you never sought. Posted June 25, 2010

The Advantages and Disadvantages of Telecommuting for the Employee and the Firm Free Essay Example, 2750 words

One of the main disadvantages experienced by employers is that they cannot supervise the performance of their employees the way they would like to do. There is also a problem which implies the fact that an employer may not be able to contact an employee promptly, especially when deliverables are required. As a result, the client might be burdened with a delay in services. Another issue that may possibly be faced by the company as a result of telecommuting lies within the framework of security. There is the possibility that the information and secret data used by the telecommuter can be hacked and the same may also fall into the hands of a third person, even without hacking (Swati, 2008). It has been suggested that in order to deal with the problems mentioned above, employers should take notes from other companies that practice telecommuting. There is also a need to sufficiently provide the telecommuter with materials and resources that would aid him/her in carrying out the tasks eff ectively and efficiently. Such resources can include a phone, fax machine and other gadgets that would not only help the telecommuter in doing the job but also the company because these enable the employer to keep in touch with the employee (Ahmadi et al. , 2000). We will write a custom essay sample on The Advantages and Disadvantages of Telecommuting for the Employee and the Firm or any topic specifically for you Only $17.96 $11.86/pageorder now With regards to the problem of lack of supervision, the employer should be focusing on the results delivered by the telecommuter instead of focusing on time spent by the latter to get his/her work done. It is easier said than done. Managing telecommuters is challenging to the employer because there is a need to conduct certain measures in order to accommodate the telecommuter. This means that policies, rules, and regulations should be modified. Supervision can indeed be frustrating on the part of the employer, but there is a way to make the situation less frustrating or challenging. To avoid a situation where there is a complete lack of management and the progress of the work to be done deteriorates because of this, it is advised that telecommuters should meet with their employers face to face in order to report to them, and discuss other matters whether in relation to work or the life of the telecommuter as an employee.

Changes in Japanese Culture - 825 Words

Throughout â€Å"Hiroshima† by John Heresy, the readers are gradually exposed to Japanese culture through each of the six survivors, regardless of the survivors nationality, as they stitch their lives back together after the atomic bombing of Hiroshima on August 9, 1945. Japanese-style hospitals are quite different in comparison to other hospitals, gradually reforming through the book. As a Japanese, you were happy to die for your Emperor and country as shown in Tanimotos letter to an American and in the survivors. Japanese had a resistance toward foreigners due to the war, however, after the bombing, the Japanese accepted those they rejected. Through these Japanese customs, the audience gains further understanding of the influence the†¦show more content†¦The Emperor in Japan is â€Å"the symbol of the State and of the unity of the people,† which the Japanese give their obligation to as seen in Kiyoshi Tanimoto’s letter to an American and in the six sur vivors despite their nationality. When the bomb was dropped onto Hiroshima, many perished in the ruins created by the bomb. When Dr Y. Hiraiwa and his son were trapped under rubbles of their burning â€Å"two-story house,† they decided that they could do nothing but devote their lives to their country. The father and son chanted â€Å"Tenno-heika, Banzai, Banzai, Bazai,† encouraging the emperor to live long. This chanting allows the father to feel at peace and contented that he was able to taste â€Å"a beautiful spirit,† which in context is when he â€Å"decided to die for† the Emperor. Kayoko Nobutoki was walking home from school with her classmates. They rested against a â€Å"heavy fence of the Buddhist Temple,† which fell on them as the atomic bomb was dropped. â€Å"One of the girls began to sing Kimi ga yo, national anthem, and others followed in chorus and died.† Even in the midst of dying from no oxygen, the girls knew they were dyi ng for their country, singing their national anthem even when they could barely breathe due to the heavy smoke. The foreigners in Japan during the period of rebuilding the country experienced many new feelings and emotions due to the atomic bomb. 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Impact Of Interest Rate Changes On Banks Profitability Finance Essay - Free Essay Example

Sample details Pages: 9 Words: 2630 Downloads: 10 Date added: 2017/06/26 Category Finance Essay Type Narrative essay Did you like this example? Use of more than one independent variable in the analysis may cause of multicollinearity problem. The multicollinearity is measured by tolerance and variance of inflation factor (VIF). Tolerance is the proportion of variation in the dependent variable not explained by the model. The tolerance and VIF value showed that there is not much multicollinearity problem among independent variables. Which showed that overall model is good. 4.2: Multiple Regression Analysis Assumptions 4.2.1: Normality of error term distribution The normality is checked by normal probability plots. In the method, the normal distribution made a 45 degree straight line, and plotted residual are compared with the diagonal. As presented in the figure 4.1 the values of the residual fall along the straight line with not much difference. The figure concludes that the residual structure is normal. Don’t waste time! Our writers will create an original "Impact Of Interest Rate Changes On Banks Profitability Finance Essay" essay for you Create order Figure 4.1: Normal P-P Plot of Regression Standardized Residual Another method used to check the normality by histogram. The shape of the histogram in figure 4.2 showed that the figure closed to the shape of normal curve. Figure 4.2: Histogram 4.2.2: Linearity of the phenomenon measured The linearity of the relationship between dependent variable and independent variable represented the degree to which the change in the dependent variable is associated with independent variable. The figure 4.3 did not reflect any nonlinear pattern to the residual. Which shown that the overall relationship between variables is linear. Figure 4.3: Scatter Plot Interest Income Figure 4.4: Partial Regression Plot Interest Income and Interest Rate Figure 4.5: Partial Regression Plot Interest Income, Loan and Advances 4.2.3: Constant variance of error term The residual plots also showed that the presence of equal variance. This fulfilled the assumption of multiple regression model. 5.2.4: Independent of the error terms In regression each predicted value was independent of any other prediction. There were no sequenced by any variable from residual plot. 4.3: Reliability and Validity 4.3.1: Reliability The reliability is defined as the degree to which the observed values measure the true values, error free and consistent. The overall results were in line with the practices applicable in Pakistan. But the difference is appeared when the results of Pakistan compared with international practices. In high interest rate environment Pakistan banking getting high returns on the other hand the at global level interest rate were low. That clearly indicates the major differences in returns at Pakistan and international level. 4.3.2: Validity The validity is defined as the degree to which the measure is accurately represents what it is supposed to. The instrument has been used to predict the variation explained by the independent variable in interest income. The regression model used in the analysis and all the assumption has been fulfilled. 4.4: Hypothesis Testing H1: There is a significant and positive impact of interest rate on interest income. Result: Since the significant value of interest rate is 0.000, which was less than 0.050 and regression coefficient value 852.617 was also positive. That means interest rate had a significant and positive impact on interest income. That accepts the hypothesis H1. The reason for significant and positive impact was that rate increases and interest income increases. H2: There is a significant and positive impact of balances with other banks deposit accounts on interest income. Result: Since the significant value of balances with other banks- deposit accounts is 0.209, which was greater than 0.050 and regression coefficient value 0.057 was also negative. That means balances with other banks deposit accounts had no significant and positive impact on interest income. That rejects the hypothesis H2. The reason for no significant and positive impact was balances with other banks cover only the small portion of the banks earning assets. H3: There is a significant and positive impact of lending to financial institution on interest income. Result: Since the significant value of lending to financial institution is 0.917, which was greater than 0.050 and regression coefficient value 0.003 was also negative. That means lending to financial institution had no significant and positive impact on interest income. That rejects the hypothesis H3. The reason for no significant and positive impact was lending to financial institution cover only the small portion of the banks earning assets. H4: There is a significant and positive impact of investments on interest income. Result: Since the significant value of investments is 0.186, which was greater than 0.050 and regression coefficient value 0.079 was also positive. That means investment have no significant but had positive impact on interest income. That rejects the hypothesis H4. The reason for no significant but positive impact was that interest income not much dependent on investment. If the investment increases then interest income also increases but in small proportion. H5: There is a significant and positive impact of loan and advances on interest income. Result: Since the significant value of loan and advances is 0.000, which was less than 0.050 and regression coefficient value 0.118 was also positive. That means loan and advances have a significant and positive impact on interest income. That accepts the hypothesis H5. The reason for significant and positive impact was that as the portfolio increases the interest income increases. Table 4.6: Hypothesis Assessment Summary Hypothesis Independent Variables t value sig. Comments There is a significant and positive impact of interest rate on interest income. Interest Rate 6.474 0.000 Accepted since there was a significant and positive impact of interest rate on interest income. There is a significant and positive impact of balances with other banks deposit accounts on interest income. Balances with other banks deposit accounts -1.270 0.209 Rejected since there was an insignificant and negative impact of balances with other banks- deposit accounts on interest income. There is a significant and positive impact of lending to financial institutions on interest income. Lending to Financial Institution -0.105 0.917 Rejected since there was an insignificant and negative impact of lending to financial institutions on interest income. There is a significant and positive impact of investments on interest income. Investments 1.338 0.186 Rejected since there was an insignificant and positive impact of investments on interest income. There is a significant and positive impact of loan and advances on interest income. Loan and Advances 28.368 0.000 Accepted since there was a significant and positive impact of loan and advances on interest income. Dependent Variable : Interest Income Sig. Value: (0.05) 4.5: Chapter Summary The chapter included the results, interpretation, assumption in the multiple regression and hypothesis tested. The overall results are positive and significant. CHAPTER FIVE DISCUSSIONS, IMPLICATIONS, FUTURE RESEARCH AND CONCLUSIONS 5.1: Conclusion The objective of the study was to evaluate the impact of interest rate changes on banks profitability. The interest rate and loan and advances had a significant and positive impact on interest income. In the context of Pakistan interest rate and loan and advances had major impact on the banks interest income. The other significantly important variable was the loan and advances. As the portfolio of the loan and advances increases the banks interest income increases. Both the independent variable was directly related to interest income. The statistical result also showed that both the variable has significant and positive impact on the banks interest income. The regression technique also proved these findings. That means that profitability of bank dependant on interest rate, loan and advances. Specifically, in a higher interest rate environment, an increase in lending rates usually larger than the increase in deposit rates, which result in pushing up the bank, spreads. On the other side, in a lower loan and advances scenario, the opposite likely to be happen. When interest rate increases, lending rates tend to adjust more quickly as compare to deposit rates. While, in a declining situation deposit rates adjust faster then lending rates. Banks were more sensitive to interest rat risk as compare to the other financial institution. It is feared that further increase in the interest rate would slow the growth of advances and increase in the bad debts. Short term interest rate changes was a serious issue among shareholders, managers and analysts and most of the banks represent no serious threat on long term interest rate. That would affect the performance and credit rating of financial institution. The Paid up capital requirement of Rs. 7 billion until 2010 by the SBP also encourage further consolidation in the banking sector. It used for decrease the impact of risk, conservative growth in advances and deposits, bringing downward advances to deposits ratio. But the major concern was the interest rate movement which damaging in great deal. It would be very difficult for individual to save money and made investment in the economy. The findings clearly suggested that main determinant of banks profitability are interest rate, loan and advances. The only way to increase banks profitability by way of having good quality portfolio in terms of assets, check and balance system developed to monitor closely such default risk and interest rate risk. Usually Banks have different polices in place to monitor the customer credit worthness in the form of KYC, AML, watch list, credit rating and electronic credit information bearue (ECIB). Banking was about how to managing its risk and return. Success in banking system is dependent on how well organization manages its risk and return. The nature of banks business was to identify, evaluate and manage risk effective and efficiently. 5.2: Discussions and limitations There were some limitations in the research. Such as; The basis for calculation of interest income was KIBOR rate. The Pakistan banking system started practicing KIBOR rate as benchmark from 2002 onward. Therefore, the study period is 2003 2008. The sample size consists of ten major banks in Pakistan. That covered 76% market share of the Pakistan banking industry. 5.3: Implications and Recommendation 5.3.1: Implications The mechanism of monetary policy was to bring discipline and efficiency in the financial sector and developing a favorable environment for economic growth. The central bank pursued a tight monetary policy from past few years. There are several objective of monetary policy to control inflation, government borrowing and interest rate. In Pakistan, rising inflation and interest rate was the most common phenomenon. Rising lending rates harms the economy and consumer. It is a fact that high lending rates are regularly linked to high inflation. The changes in interest rates affect consumption and savings decisions of households, corporate level and also affect the output and investment decision throughout the economy. The central bank set the interest rate at which bank lends money to financial institutions and consumer. This measure will help in controlling the monetary pressure associated with the economy. 5.3.1.1: Decrease in interest rates As a general rule, the decrease in interest rate is best for the economic environment. When consumer can afford to borrow funds because customers dont have to pay high interest rate on borrow funds. Interest rate used as a tool for controlling the economic growth. When the economy grows rapid pace then it will experience inflation. Prices rise to a high level and no one can afford changes in real interest rate. That affects the public demand for goods and services due to altering the availability of bank loans. A low real interest rate decreases the borrowing cost that leads to the investment spending and encourage people to spend in various forms consumer durables. Low interest rate provide corporate level opportunity to take new capital investment spending and increase the firm confidence by making heavy investment in growing sector and generating heavy revenue. That result in stabilizing the economy and providing employment opportunities. The other aspect of low interest rate was that it will decrease the default risk of counter party. It means that people have more disposable income to pay their borrow funds and take saving decisions. Cause depreciation in the exchange rate and increase demand for domestic producers those who sell goods and services global markets. The rise in the growth of exports would increase the aggregate demand. 5.3.1.2: Increase in interest rates The increased in rate will increase the cost of property. Conversely, fall in the interest rate increase the demand and increase pressure on mortgage prices. That would increase the spending associated with mortgage buying and increase in prices had increase the total wealth. The increase in interest rate opens the door for increasing non performing loans. Despite the fact that heavy amount of provisioned made by the banks. Inefficient and corrupt borrowers try to find out an easy exit way to avoid repayment. That problem was going to be worsted due to low recovery rate of bad debts. 5.3.2: Recommendations The banks can decrease their risk with out involvement of funds by developing their focus on non interest income. Bank must take conscious measure about capital adequacy ratio and abrupt changes in the interest rate. The central bank should play their role in standardization of interest spreads. There has been a gap of 5 to 8 percent between what the banks in Pakistan were paying to the deposit holders and what charging to borrowers, which was not in line with the international level. Banks management should required to logically focus on improving the quality of their banks profitability by providing better return to depositors and charge less interest rate to borrowers for the development of economy. APPENDICES Appendix A Data Sheet Period 2003 2004 2005 2006 2007 2008 Interest Rate 2.4588 3.3384 8.1853 9.9159 10.1640 12.8018 S.No Bank Year Interest Income Balances with Other Banks Deposit Accounts Lending to FIs Investments Loan and Advances 01 ABL 2003 4,984.607 1,607.460 15,361.240 40,972.690 49,986.980 02 ABL 2004 5,244.710 1,183.920 16,175.000 57,631.300 69,948.840 03 ABL 2005 9,846.657 2,329.190 5,777.380 45,068.120 119,506.010 04 ABL 2006 17,215.507 460.830 19,050.240 47,274.640 151,705.420 05 ABL 2007 21,201.422 18,419.240 84,209.830 178,524.360 06 ABL 2008 30,570.540 15,793.180 86,560.780 223,639.780 07 AB 2003 4,373.715 2,370.460 5,770.840 20,421.220 46,341.070 08 AB 2004 4,487.206 4,194.420 2,324.840 16,602.370 71,718.490 09 AB 2005 8,780.698 4,949.270 10,172.240 24,447.030 88,395.860 10 AB 2006 12,596.921 6,019.030 8,392.950 27,094.960 102,724.880 11 AB 2007 15,143.241 2,697.120 14,444.140 39,196.290 108,188.770 12 AB 2008 18,393.313 2,847.660 4,479.750 37,077.250 139,830.970 13 BAF 2003 4,033.380 138.920 7,437.730 28,603.260 50,372.330 14 BAF 2004 5,620.203 1,195.210 35,346.540 90,291.460 15 BAF 2005 12,246.811 7,714.610 27,050.490 57,445.250 120,416.990 16 BAF 2006 21,191.470 9,929.260 12,456.650 57,152.550 152,235.780 17 BAF 2007 25,783.871 14,695.660 3,452.060 88,568.460 175,678.810 S.No Bank Year Interest Income Balances with Other Banks Deposit Accounts Lending to FIs Investments Loan and Advances 18 BAF 2008 31,046.583 12,815.470 3,315.500 77,655.480 198,811.850 19 BAH 2003 2,403.489 303.650 469.630 14,109.220 35,543.980 20 BAH 2004 2,432.106 3,952.270 2,471.000 14,413.790 47,536.980 21 BAH 2005 4,935.626 377.170 3,352.750 19,502.320 55,526.000 22 BAH 2006 7,857.745 536.820 6,578.800 20,949.460 71,036.210 23 BAH 2007 9,945.872 262.700 4,112.430 35,240.220 79,446.700 24 BAH 2008 14,604.237 2,513.210 295.400 48,360.340 101,422.780 25 HBL 2003 19,049.914 17,049.800 22,595.490 158,870.810 216,380.740 26 HBL 2004 18,198.725 28,962.540 3,755.040 132,354.980 292,398.010 27 HBL 2005 32,343.206 27,558.480 12,272.250 107,678.120 350,424.900 28 HBL 2006 43,685.740 29,301.390 6,550.130 120,077.020 371,364.540 29 HBL 2007 50,481.021 22,865.310 1,628.130 178,463.740 403,478.900 30 HBL 2008 63,305.033 35,810.250 6,193.790 146,668.940 484,451.900 31 HMB 2003 2,684.887 195.090 3,896.280 17,958.900 32,637.090 32 HMB 2004 2,783.812 1,695.490 4,132.230 15,559.830 40,599.290 33 HMB 2005 4,358.556 381.790 5,462.580 22,003.310 44,039.160 34 HMB 2006 7,289.123 4,665.010 5,447.110 39,252.460 84,142.090 35 HMB 2007 11,983.551 2,175.450 3,989.250 61,656.770 91,044.060 36 HMB 2008 15,873.445 1,537.310 98.180 55,347.780 110,391.360 37 MCB 2003 10,569.994 290.360 10,430.450 125,635.810 104,011.100 38 MCB 2004 9,083.863 3,972.120 10,965.300 66,220.990 144,010.170 39 MCB 2005 17,756.232 548.150 9,998.830 68,261.030 188,139.680 40 MCB 2006 25,778.061 2,531.000 21,081.800 62,178.080 206,847.500 S.No Bank Year Interest Income Balances with Other Banks Deposit Accounts Lending to FIs Investments Loan and Advances 41 MCB 2007 31,786.595 571.810 1,051.370 111,816.630 229,732.870 42 MCB 2008 40,043.824 696.010 4,100.080 102,168.650 273,222.330 43 NBP 2003 19,452.317 19,979.670 29,937.860 168,280.530 188,958.770 44 NBP 2004 20,947.333 47,412.390 10,511.320 146,984.970 250,494.740 45 NBP 2005 33,692.665 28,068.920 16,282.940 120,471.490 299,422.810 46 NBP 2006 43,788.628 39,662.610 23,012.730 114,093.350 348,370.460 47 NBP 2007 50,569.481 30,356.200 21,464.600 180,431.770 374,732.030 48 NBP 2008 60,942.798 35,021.680 17,176.030 167,708.330 457,828.030 49 NIB 2003 172.372 347.580 951.960 6,791.960 50 NIB 2004 803.542 118.860 1,812.910 1,329.410 12,349.390 51 NIB 2005 1,716.917 1,400.000 2,270.000 5,205.170 20,181.320 52 NIB 2006 3,499.278 1,100.000 2,600.000 6,677.110 31,874.850 53 NIB 2007 6,999.888 535.720 4,753.110 40,593.510 92,586.340 54 NIB 2008 15,201.691 12,459.620 37,663.870 97,322.480 55 UBL 2003 9,269.494 17,959.120 23,096.030 53,841.740 114,897.000 56 UBL 2004 9,660.563 22,801.880 16,262.500 52,906.600 166,488.950 57 UBL 2005 20,687.373 13,262.180 17,867.550 61,236.540 239,613.350 58 UBL 2006 33,627.533 18,164.960 29,572.070 65,571.650 282,322.910 59 UBL 2007 41,045.543 2,583.690 24,781.720 115,967.140 334,120.160 60 UBL 2008 52,253.361 3,056.020 22,805.340 126,129.800 410,665.880 Appendix B Banks included in the study with legend S.No Legend Bank 1 AB Askari Bank Limited 2 ABL Allied Bank Limited 3 BAF Bank Al Falah Limited 4 BAH Bank Al Habib Limited 5 HBL Habib Bank Limited 6 HMB Habib Metropolitan Bank Limited 7 MCB MCB Bank Limited 8 NBP National Bank of Pakistan 9 NIB NIB Bank Limited 10 UBL United Bank Limited Appendix C SPSS Results Table 4.1: Descriptive Statistics Mean Std. Deviation N Interest Income 18,772.105 16,092.870 60 Interest Rate 7.811 3.766 60 Deposits with other Banks 9,089.759 12,244.525 60 Lending to FIs 10,296.928 8,376.489 60 Investments 68,035.369 49,741.048 60 Loan and Advances 165,419.474 122,548.000 60 Table 4.2: Correlations Interest Income Interest Rate Deposits with other Banks Lending to FIs Investments Loan and Advances Pearson Correlation Interest Income 1.000 0.581 0.617 0.363 0.811 0.961 Interest Rate 0.581 1.000 0.031 0.024 0.201 0.436 Deposits with other Banks 0.617 0.031 1.000 0.318 0.703 0.723 Lending to FIs 0.363 0.024 0.318 1.000 0.431 0.412 Investments 0.811 0.201 0.703 0.431 1.000 0.862 Loan and Advances 0.961 0.436 0.723 0.412 0.862 1.000 Sig. (1-tailed) Interest Income . 0.000 0.000 0.002 0.000 0.000 Interest Rate 0.000 . 0.408 0.429 0.062 0.000 Deposits with other Banks 0.000 0.408 . 0.007 0.000 0.000 Lending to FIs 0.002 0.429 0.007 . 0.000 0.001 Investments 0.000 0.062 0.000 0.000 . 0.000 Loan and Advances 0.000 0.000 0.000 0.001 0.000 . N Interest Income 60 60 60 60 60 60 Interest Rate 60 60 60 60 60 60 Deposits with other Banks 60 60 60 60 60 60 Lending to FIs 60 60 60 60 60 60 Investments 60 60 60 60 60 60 Loan and Advances 60 60 60 60 60 60 Table 4.3: Model Summary Model R R Square Adjusted R Square Std. Error of the Estimate 1 .961a 0.924 0.923 4,477.355 2 .978b 0.956 0.955 3,428.556 Table 4.4: ANOVA Model Sum of Squares df Mean Square F Sig. 1 Regression 14,120,000,000 1 14,120,000,000 704 .000a Residual 1,163,000,000 58 20,050,000 Total 15,280,000,000 59 2 Regression 14,610,000,000 2 7,305,000,000 621 .000b Residual 670,000,000 57 11,750,000 Total 15,280,000,000 59 Table 4.5: Interest Income Model Unstandardized Coefficients Standardized Coefficients t Sig. Collinearity Statistics B Std. Error Beta Tolerance VIF 1 (Constant) -2107.823 976.321 -2.159 0.035 Loan and Advances 0.126 0.005 0.961 26.537 0.000 1.000 1.000 2 (Constant) -6878.423 1049.738 -6.553 0.000 Loan and Advances 0.115 0.004 0.874 28.368 0.000 0.810 1.235 Interest Rate 852.617 131.700 0.200 6.474 0.000 0.810 1.235 Table 4.6: Excluded Variables Model Beta In t Sig. Partial Correlation Collinearity Statistics Tolerance VIF Minimum Tolerance 1 Interest Rate .200a 6.474 0.000 0.651 0.810 1.235 0.810 Deposits with other Banks -.164a -3.404 0.001 -0.411 0.477 2.096 0.477 Lending to FIs -.041a -1.024 0.310 -0.134 0.830 1.205 0.830 Investments -.068a -0.957 0.343 -0.126 0.258 3.883 0.258 2 Deposits with other Banks -.057b -1.270 0.209 -0.167 0.377 2.652 0.306 Lending to FIs -.003b -0.105 0.917 -0.014 0.800 1.250 0.648 Investments .079b 1.338 0.186 0.176 0.220 4.549 0.186 Figure 4.1: Normal P-P Plot of Regression Standardized Residual Figure 4.2: Histogram Figure 4.3: Scatter Plot Interest Income Figure 4.4: Partial Regression Plot Interest Income and Interest Rate Figure 4.5: Partial Regression Plot Interest Income, Loan and Advances

Altruism, By Charles Darwin - 1463 Words

Altruism is the practice of selfless concern for the well-being of others, or the behavior of an animal that benefits another at its own expense. Evidence shows that the act of altruism is unique in the world of animals. The interaction between those who are selfish and those who are altruistic is vital to human cooperation. A small group of altruistic people can give enough motivation to a large number of egotistical to move a mountain. Just as a large number of selfish people could push a small group of charitable people to change the world. It is the interaction between both that make this world go around (Nature). The world we live in is a big machine, and those who help others are the ones who keep it running effectively. People who†¦show more content†¦Survival of the fittest is a concept that is widely known across the idea of evolution. The study done by Haldane concluded that genetic altruism would show some advances in population numbers, which is overall increasi ng the spread of genes. The increased number of altruistic individuals in the society would overall increase the group fitness, or number of genes spread due to the group benefitting behavior. Altruism can be known for the cause of all charitable behavior, but there is the argument that all charity is directly tied in with egoism. This happens when a person taking part in the charity helps with the idea that someday his own self will be in need of the same charity. This concludes that all altruistic events make just be a part of a long cycle of egoism. If so, then altruistic people are essentially just an egoist in a twisted way. The world overall is a selfish, conceit place. Some say that charitable work, also known as altruistic behavior is all part of a social contract. If the egoist breaks the contract in any way, then there is a change that another person in the future will also break the contract. Maybe that time the contract is broken it will be the egoist who needs the help and will not receive it. It is all a vicious cycle that ends up revolving around one s own self interests (Hammond 115-116). Altruism can be a concept of both social and moral psychology. In Medicine, it is currently arguedShow MoreRelatedThe Origin Of Moral Sense By Charles Darwin1529 Words   |  7 PagesCharles Darwin is famous for his theories regarding evolution and natural selection. In his 1871 book, Charles Darwin explains the origin of morality through studying the behavior of various species. In his essay, â€Å"Origin of the Moral Sense† Charles Darwin uses his theory of evolution to explain the origin of morality through the study of animals, specifically mammals. 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The importance of communication in care settings Free Essays

string(54) " that they were fearful, feeling angry or aggressive\." Communication is not just what you say. It is the tone of voice that you are using and the way you portray how you are feeling, for instance the way that you are standing will indicate how you are feeling towards whoever was with you if you were relaxed and open you would be standing with your head up and arms relaxed. If you were upset or didn’t want to talk then you’d be stood there with your head down and arms folded across your chest. We will write a custom essay sample on The importance of communication in care settings or any similar topic only for you Order Now Eye contact is important and in the UK the majority of people look at each other for 70% of the conversation whereas in Japan they only look at one another for 50% of the time. Your confidence is shown in your eye contact if you are walking down a street with your head held high and briefly meet others eyes it shows that you are confident in yourself and what you are doing. Only a small part of communication is what you are actually saying this can make it complicated when you are communicating with others as what you are saying will mean perfect sense to you but it may be interpreted to mean something completely different. In most cases the tone of your voice is either taken for granted or perceived unconsciously. The tone of how you say something is 38% of the way that you communicate. 55% is non verbal communication and what you say is only 7%. This shows that awareness of the appropriate tone and good voice control this is important for all care workers. Communication skills are a vital and necessary to have in any care setting. If you have good communication skills you can make sure that you get every thing done as efficiently and effetely as possible. Also when you are dealing with people in a social care environment you will need to make sure that they understand what you are saying or meaning, you have to build a trusting relationship with your clients and make sure that they are at ease, this is because you might be dealing with vulnerable people, the elderly or people with learning difficulties. Sentence and Verbal Communication iframe class="wp-embedded-content" sandbox="allow-scripts" security="restricted" style="position: absolute; clip: rect(1px, 1px, 1px, 1px);" src="https://phdessay.com/sentence-and-verbal-communication/embed/#?secret=22mzhBkla9" data-secret="22mzhBkla9" width="500" height="282" title="#8220;Sentence and Verbal Communication#8221; #8212; Free Essays - PhDessay.com" frameborder="0" marginwidth="0" marginheight="0" scrolling="no"/iframe To meet you client’s needs you would help with housing, washing, shopping or with anything else that the individual may need. Some of the elderly clients may be suffering with dementia. This may result in them acting in an unpredictable way. The medical side is different although communication is just as fundamental, as you may have to find something important out quickly to prevent further distress to the patient. When you go and visit you doctor you only have a 10 minute time slot and in them 10 minutes your GP has to find out what is wrong explain and give you treatment. This would not happen if you and your doctor could not communicate properly. Your patients will be aware of your body language so you need to show them that you are comfortable and that you want to hear what they have to say; also you need to show them that what they are saying is important. So eye contact and openness is vital. You don’t want to be sat typing away at your computer when your patient arrives as that automatically says you have something more important to do other then greeting them. Also when people are in pain or ill they tend to become emotional and anxious. Then as the health professional it is your job to make sure that you have the situation under control. A GP or any other health professional needs to make sure that they use the correct type of tone this is make sure that the patient feels comfor table and valued also by using the appropriate tone you can make yourself sound interested, caring and encouraging. Effective communication is central to a good working practice of all early years’ professionals and relationships with children and their families/carers may be impaired without it. Communication involves a successful exchange of information from one person to another. When working with the early years you have to take in to account of their age and their understanding level. You can not expect a child of 3 to understand eye contact or subtle body language. You need to make sure that you are communicating to them on their understanding level not yours. You will also have to compromise for their lack of speech and their unpredictability when they cant communicate with you. So for communication to be successful it needs to meat the needs of both speakers and any breakdown will result in a lack of communication taking place ADD COMMUNICATION CYCLE? Ask Teresa Oral communication would be one of the most important ways of communicating in the social, medical and early years setting, as within these settings you have to build up a trusting professional relationship. That advantage to oral communication is that you can exchange information quickly. The service provider can explain situations and answer any questions that may arise. When speaking with someone you can make sure that whoever you are communicating with understand what you are saying. Also if necessary and appropriate you can comfort if what you are saying is distressing. In a social setting oral communication is vital for a nurse as she not only has to be able to communicate efficiently and for the best of her clients she has to be able to hand over their information correctly to the next shift of nurses if she was to get this wrong it may jeopardise the patient. Also with oral communication you can nominally tell how your clients are feeling if they have a quite tone then it may be that they are depressed, feeling sad or passiveness. If they had a loud or excited tone this could mean that they were fearful, feeling angry or aggressive. You read "The importance of communication in care settings" in category "Papers" Skilled care workers can pick this up and act appropriately. It is an important role of a care worker to be able to understand, relay and gather information not just with the patients but also with her work team. On a typical day a nurse would have to record what medication was given, the amount and the time it was administered she would do this so she could pass it on to other nurses so they are aware of the medication that, the patient has had. Communication can fail if there is a lack of knowledge this could leave the people involved feeling inadequate. Communicating orally in an early year’s environment can be demanding and frustrating. You not only have to build up trusting relationship and understanding with the children you also need to do this with their parents/carers and the rest of your team. When communicating with young children they may not always understand what you are saying to them but the can hear your tone of voice and the tone of voice used conveys a message to the child which at times be the wrong message. For example. To ask a child â€Å"what are you doing† may be interpreted by a child as a negative question if the tone of voice is wrong. When you are talking to young children and are asking questions or giving guidance you need to do so in a clear voice and in bite size pieces. Like â€Å"go and get your shoes† not â€Å"go out the hall into the shoe area find your shoes and put them on. Then come back to me† this is because their understanding level is lower then yours and the short term memory only last for 30 seconds and by the time they have left the room they would have forgotten. When talking to parent/carer you need to establish whether they would prefer you to communicate with them in an informal or formal way. This is the register of language. Some parents and most certainly the children will prefer you to great them in an informal way as this may put them at ease. Within a medical setting you need to remember to use the correct type of language (register of language) formal language would be better unless requested from the patient. If a medical receptionist was informal then the patient may think that are being disrespected. As a GP you will communicate aurally most of the time to you patients this mean that the GP has the advantage that the tone of voice can betray how the patient is feeling emotionally and if relevant the GP may be able to help or refer them to another source. This is the GP taking care of his patient’s emotional and physical wellbeing. As a GP you will have to work and communicate with people that have different styles of speaking such as ethic groups and people that come from different work and culture settings. Verbal communication for a nurse at A+E is about buliding a relationship quickly with all types of people from all walks of life they have to be calm so she needs to have gained their trust. Also they have to exchange information to one another. Nurses and paramedics use a pain scale asking how bad the pain is from 1 to 10 this is especially good for children as they cant always describe what pain they are in. Written communication in any organised setting is one of the most important factors. This is because of keeping records. Getting the right support for your clients. Without written communication you would not be able to do this. In social care setting it may not be the choice of some of your clients. If you have clients that are profoundly deaf or very hard of hearing it would be more appropriate and polite to send them a letter rather then ringing them. There would be little point of finding out effective way to communicate with a client and then not making an accurate record so that other people can also communicate with that person. The type of things that you would record as a care worker would be what problems your clients have how it affects them both emotionally and physically. What action should be taken by yourself and others. Always add the date and whether you administered medication, and any other day to day things that you do. Most of the written communication will be between you and your colleges on a professional basis. You will mainly communicate with your clients in a more informal way When working in an early year’s environment it is important to keep parents well informed. You need to pass information through ways that parents can access. The easiest way to do this is by written communication. This can be in many ways such as news letters once a month with general information in them, home and setting books so that you can keep in contact with the parents that way this is a good way for people that have child care so they know what is going on a daily basis, notice boards so that you can display reminders and notices and displays of the children’s work throughout the setting so that the parents can see for them selves that their child is doing constructive things while at the setting When working with early years children it is easier sometimes to use visual pictures as aids so that a child can associate a picture with a meaning or a word. For example you may put their picture on their coat per and a picture of a coat above them. Children respond and understand picture writing rather then just the written word. Staff in the early years setting will also do reports on the children’s development and what aspects they need to improve on. This is to accommodate their social, physical, emotional and intellectual wellbeing and prepare them for school. The types of medical written information that you would get would be letters and reminders about appointments whether at your GP’s clinic, medical centre or local hospitals. You may get test results or letters about your tests and the results. You may also get formal letters indicating a change of location. Every doctor has his patient’s notes and information this is to see what illness and treatments that you have had in the past and whether you are allergic to anything. He keeps them as records nowadays stored on a computer so no matter where you are they can locate your files. As a patient you may get extra correspondence from your GP regarding any medical check ups that you need GP’s and other health professionals use written communication to refer patients to one other service providers. Being an employee in any care setting you will come across people with hearing and visual impairments there are a number of ways to carry on or start communicating with your clients. Communication between hearing and deaf people is not always straight forward. Quite often the response of a hearing person is to either talk more loudly or over emphasise lip patterns, this will actually cause more difficulty. However the ability and awareness of how to communicate clearly can solve many day to day issues. Makaton is a type of system that uses speech, signs and symbols to help people with learning difficulties to communicate, and to develop their language skills. People that speak Makaton will use speech as well as body language they don’t just silent sign. Makaton is a form of augmentative and alterative communication (AAC). Makaton is used with both children and adults who are unable to speak or whose speech is difficult to understand. Makaton is a key word signing system that aims to provide a basic means of communication and encourage language development. When using Makaton the key words will still be spoken as well as signed. If you have a client in your care it is bested advised to try and learn some of their preferred way of communication, although you will pick up some meanings. Braille is a type of communication that instead or words are raised marks that can be felt wit the fingers. This provides a type of written communication that can be used by people with limited or no sight. Braille is usually taught to those who are totally blind from youth. Moon is usually taught to people who loose their sight in later life. Both moon and Braille are raised symbols that correspond to the alphabet. British sign language is a visual/spatial language which is governed by its own grammatical rules using shapes, hand movements and facial expressions to convey meaning leading to successful communication. There are 9,000,000 deaf or hard of hearing people in the UK, with distinct differences in the way that they wish to communicate. Approximately 80,000 people sign language as their first language. Electrical aids have made communication much easier. Information displays on computer screens such as information kiosks ands bulletin boards are increasingly being used for public communication. Other then e-mails and telephone and the internet there are loads of other ways to communicate using modern technology. Technology can be made friendly and accessible to people that are blind or have low vision for example:- you have voice synthesisers can be installed to read out loud the text on the screen. There is also Braille and other tactile symbols can be embossed on the buttons used on the display. You can also get special scanners to convert text into a read out which is relayed to the user by voice synthesisers or convert the words on a printed page into very large sized text on the computer screen. Communication via computers has enabled society to be able to communicate efficiently, accurately and quickly. Within a hospital and emergency environment to communicate the correct information and quickly you need computerised communication. For example somebody comes into A+E with a suspected broken arm they get sent to the Department to have an x-ray. After taking the photos they send them back to A+E. this saves time and money. It is efficient and it is to the best of the patients as treatment can be administered more quickly. In effect it’s taking care of their physical and emotional wellbeing. This is not the only benefit that computerised communication has, at the scene of an accident the paramedics will contact the hospital to let them know who is coming in and why their age and any other infomation that they have on them. This is to ensure that upon their arrival the correct treatment can be administered, Especially if it is a life threatening situation. Even though the need of speed may be vital they also have to be accurate, clear and understandable as its about somebodys care. How to cite The importance of communication in care settings, Papers