George Whashington Essay Example | Topics and Well Written Essays - 1000 words

George Whashington - Essay Example He was brought into the world the second offspring of Augustine and Mary Ball Washington in Westmoreland County Virginia in February 22, 1732 (The White House 4). Like any youngster in his day, he was instructed at home under the constant tutelage of his dad and more established sibling. Being conceived in the group of ranchers, his first advantages are likewise on planting and agribusiness. His habits, good, and training typify that of an eighteenth century Virginia man of honor. Along with this energy, he likewise has two interweaved interests (The White House 6)- military expressions and military extension. He has been recently utilized as an assessor which equipped him with the information on the territory in his country. During 1749, he was selected as assessor of then as of late settled Culpeper County where he got inspired by Ohio Company which wanted to misuse Western Land. From these unassuming occupations, he was authorized a lieutenant colonel in 1754 and battled in the early arrangement of French and Indian war. These exposures furnished him with the essential abilities of fighting and mental fortitude. During the next year, Washington got away from injury albeit four projectiles tore his jacket and two ponies were shot from under him (The White House 7). After his sibling's demise, he acquired part his bequest along with his obligation as the auxiliary in the province. At 20 years old, he became Major Washington and was accused of preparing the lo cal army in the quarter allocated him (George Washington 7). He turned into a Master Mason in Freemasons, a congenial association which had a deep rooted impact in him. Washington served in the military during the seven years of French and Indian war. Between the war, he got to know a widow named Martha Dandridge Custis who in the long run turned into his better half. They got hitched on January 6, 1759 and moved to Mount Vernon where Washington started his profession as a rancher and a political figure. Being hitched to an affluent widow, Washington has been charged of plowing and overseeing a large number of sections of land of land. After his marriage, he has been dedicated to an occupied at this point satisfying life. In any case, he likewise shared the developing worries of his kindred grower. Having been under British guidelines, he likewise felt abused by the British traders due to the uncalled for practices and arrangements. In his journey of liberating himself and different grower of these limitations, he played a functioning job in voicing out their interests (The White House 10). He turned into an innovator in the pilgrim obstruction by acquainting the proposition which called with blacklist imported English products. He was perceived by being a lot of energetic in pushing for his kindred grower's inclinations. At the point when the battling in the American Revolution broke out in 1775, Washington flagged his readiness for war by showing up at the Second Continental Congress in his military uniform. Having the notoriety, the military experience, the charm and military bearing, and the notoriety of a solid loyalist (George Washington 15) he was designated Major General and chose by the congress as Commander-in-Chief. Along these lines, along with his soldiers, he set out on war which went on for a long time. His endeavors paid off on the grounds that in 1781, he

Japan's Soft Power in Australia Research Paper Example | Topics and Well Written Essays - 2000 words

Japan's Soft Power in Australia - Research Paper Example Critical focuses will be featured all through the exploration proposition. A few research addresses will additionally help in edifying the idea of Soft Power and how valuable it tends to be for a nation. The idea of Soft Power has been as of late begat and it can change the fortune of a nation inside actually no time, Japan has profited a great deal from their Soft Power in Australia. The sound participation between the two nations is a solid and commonly subordinate organization. Japan is likewise contending with any semblance of Korea and China for Asian incomparability and ample opportunity has already past for them to develop significantly so as to beat the opposition introduced by their adversaries. This exploration is extremely huge on the grounds that diagrams the way that hard force no longer works viably and so as to boost the increase this idea of Soft Power has been presented. This proposition will primarily manage interesting inquiries that will illuminate this fragile idea and how this is being utilized by a few nations so as to set up themselves all inclusive. The holding among Japan and Australia is obvious and the two nations share an extraordinary relationship be it in business or so far as that is concerned some other field. These two countries have gotten a genuine unrest and the science that they share has been named as a Center relationship by individuals who have taken an obvious notification of the connection between the two nations. This center relationship is tempting in light of the fact that it ensures security; the degree of wellbeing is a lot higher when contrasted with some other Asian country. This paper will expansively introduce Japan's delicate force in Australia; notwithstanding this the paper will likewise illuminate Japanese social, financial and political impact to Australia and belief system particularly after World War Two. There is an extremely sound reliance among Australia and Japan, Australia assumes a crucial job in outfitting Japan with essential assets and vitality security. 22 % of Japan's vitality needs are dealt with by Australia. This association is critical for the two nations so as to keep up a sound connection with the various nations situated in and around the region. Previous Western Australian chief Geoff Gallop, presently a scholarly at Murdoch University, made precisely this point: Our developing connects to China and India [should be] put into the setting of our long haul and as yet creating associations with Japan. In the entirety of our considering Asian commitment we can't overlook the quality of our connections to Japan. We share popularity based qualities, face comparable segment and social difficulties, and share numerous interests for all intents and purpose in regard of provincial and worldwide issues. (Beyond the Mainstream) Technique This exploration will utilize the system of research; principle spotlight will be on the measurements and realities. How Japan and Australia have profited out of this relationship will be demonstrated by the assistance of a few models and in particular spotlight will likewise be on the stuff to build up Soft Power in another nation and what issues the equivalent is equipped for making. Japan's monetary political and other significant angles are vital and they will be considered in this examination. The resurgence of Japan

Respons letter Essay Example | Topics and Well Written Essays - 250 words

Respons letter - Essay Example All things considered, I credit the way Mike Keefe introduced the test of Obesity among Americans. Undoubtedly, as Keefe watches, enormous level of Obesity cases in America are identified with way of life. The â€Å"Higgs Boson† animation setting shows that the American Obesity is altogether owing to the people’s poor taking care of propensity. I don't think so with this presumption in light of the fact that the subject of corpulence is of disputable ramifications thus summed up revelations don't react to its interests successfully. James and John (34), sees that stoutness is brought about by various variables and in reality, a large portion of the components that we sabotage have a significant impact. Shockingly, Keffe ignores connecting Obesity with hereditary scatters. This is an unreasonable perception since James and John (157) recognizes that a significant number of American Obesity cases are hereditary based. In that capacity, we have to inspect the issue of stoutness fundamentally and evade making summed up determinations. The crowd of this letter will be all people who gets to The Denver Post magazine. This is a differing crowd; along these lines, I have utilized blended language to explain my position. I anticipate that my crowd should comprehend the substance of concurring sensible regard for the subject of weight. In any case, I likewise expect that a few perusers may differ with my position ignoring it as

Topics For Sociology Essay

Topics For Sociology EssayThe sociology essays that you have to write include all the best topics to study, whether it is nationalism social problems, or other topics that concern the diversity of society. You have to have the right topic and you also have to write well. Knowing how to write an essay about such topics will help you out a lot in your studies.All the sociology essay topics can be grouped into different categories. Some of the topics are: these are the political, economic, cultural, ethnic, or the cultural as well as the ideological. So, it does not matter which category you want to choose, as long as you have the right one. If you are confused about the topic of your sociology essay, you can always go for the internet for help.Political topics, as the name implies, concerns the national culture and politics. The society is divided into many tribes that have their own political hierarchy. The politicians would always try to keep their tribes happy by making changes in t he political power structure to ensure that they are the first to get what they want.So, when the socialist schools introduced the concept of 'diversity' into the schools, they found it a good idea to make all these tribes happy. That's how the situation went wrong and instead of the whole country getting the benefits, it is the political leaders who are getting them. And so, when the situation of the country worsened, some people started to take the advantage and all the people are taking to the streets now.The topic on economics is another topic that you have to know about. There are some economists who teach economic theories and practice that none can survive without the state. The government is a good source of income for the country.The Asian or the East Asian countries are good examples. They used to be ruled by a certain dynasty and at some point, when the dynasty collapsed, they left it alone. And when the two countries merged into one, the economics were extremely good and so, the people from those countries migrated to the other countries.In fact, this is true in today's society. Because of the worldwide economic crisis, many people from the other countries have gone to the US and if you analyze the situation, you would find that those people were already there. So, if you want to write an essay about the national culture or politics, you should use the right topics.

The Problem of Censorship in the US - 949 Words

Censorship The First Amendment to the Constitution of the United States protects the people of the country from censorship. This document says that people have to be free to say whatever it is that they feel the need to say, even if that statement is controversial. Actually, it is promised that people can say things especially when they are controversial. People who want to censor others do so because they do not agree with what it is that is being said. Only be protecting the First Amendment completely, and by not allowing censorship in any form can we continue to be completely free. Incidences of violence have been occurring more and more rapidly throughout the world and particularly in the United States. Even schools, places where children go to learn and are supposed to be safe, are now the locations of violence and death. After the school shooting which occurred at Columbine High School in Littleton, Colorado, and people blamed the violent music which the two young men listened to (Manson). Surely, the people thought, if it had not been for music which suggested anger and violence, and then the young men would not have done what they did. And so, the people wanted to ban the music and blame the musicians, including Marilyn Manson. This is of course ridiculous. Yes, the boys may have listened to violent and dark music but that does not mean they were brainwashed or hypnotized into action. The sad fact is that the two boys decided on their own to shoot their classmatesShow MoreRelatedImportance Of Censorship In Society1406 Words   |  6 PagesCensorship is be neficial to our nation because it keeps harmful activity out of children’s minds, protects our country, and prevents children from seeing offensive language, while censorship is also harmful to our culture because it invades privacy. I believe censorship is necessary, especially in the social media world we live in today. Censorship is the suppression or prohibition of any parts of books, films, news, etc. that are considered obscene, politically unacceptable, or a threat to securityRead More Internet Censorship Essay802 Words   |  4 PagesInternet Censorship Internet Censorship. What does this mean to us? What is restricted? Censorship is summarily defined as the suppression of objectionable material. That means that material such as pornography, militant information, offensive language, anti-religion, and racism would be restricted in use. Freedom would not only be restricted to material placed on the web, but also what you could access, and where you could explore. Should the right of Freedom of Speech be taken away from us onRead MoreThe Importance Of Media Censorship1013 Words   |  5 Pagesprovided with immediate, accurate and uncensored information. Media censorship has become a greater deal now than it ever was in centuries, because of globalization and the increasing interdependence among other nations has made censorship more harm than any good. Censorship often prevents other perspectives and point of views from being presented and in censorship or censored media and not everyones voices hurt.Media censorship limits a persons understanding, knowledge, and awareness. Which canRead MoreCensorship: How It Would Restrict the Average American from Living the Life They Deserve1099 Words   |  4 PagesIn what ways has censorship played a role in changing the conceptions of the American Dream? First let’s start by clarifying what the American Dream actually is. Deepening the American Dream is a â€Å"project that engenders a rediscovered sense of community in our society and empowers our capacities to receive and relate to those we think of as other† (fetzer.org). Censorship has played way too many roles in messing with the way people think. One way is through the media. Censorship in the media is aRead More Censorship Essay1002 Words   |  5 PagesCensorship The Columbia Encyclopedia defines censorship as the official prohibition or restriction of any type of expression believed to threaten the political, social, or moral order. It is necessarily broad definition. Any type of expression in fact, covers just about everything from clothing to print to movements and even to simply being. George Bernard Shaw described assassination as an extreme form of censorship. It is now omnipresent in society and has been as long as society has existedRead MoreEssay on The Practice of Music Censorship610 Words   |  3 Pages Music censorship has taken many forms in the past, but many forms are overbearing and generally ridiculous. Censorship comes in many forms. The practice of censorship is defined as â€Å"...the act of changing or suppressing speech or writing that is considered subversive of the common good.†(Merriam-Webster). Old forms of censorship included not allowing airplay, refusal of sale, and refusal of publishment. The major issue found with those that oppose censorship, is that they have no real groundsRead MoreTaste And Cultural Opinion On Taste932 Words   |  4 Pagesover the world around us and how we as a society and an audience think, feel and view things we are presented with. Taste is an integral part of modern consumption and can change and evolve over time considerably along with our own personal experiences and opinion. Taste can inexplicably cause conflict due to its fickle nature, this can lead to taste becoming a problem. If something does not conform to society and culture’s taste then it will most likely be subject to censorship, in an effort to makeRead MoreThe Freedom Of Speech Across The World Wide Web1133 Words   |  5 PagesResearch Paper #1 Internet censorship has been a growing issue in America. Many bills like The Stop Online Piracy Act (SOPA) and Preventing Real Online Threats to Economic Creativity and Theft of Intellectual Property Act (PIPA) are trying to be passed that are trying to control the internet. If the internet is censored and controlled by the government we will be losing our freedom of speech across the world-wide web. This is huge issue in other countries where people are jailed and prosecuted forRead MoreCensorship And Its Effect On Society1680 Words   |  7 PagesI. A. Censorship. This single word describes the world’s history of literary sabotage, the idea of rejecting a concept or other medium of propaganda simply because it exhibits a disagreeable or supposedly immorally tepid aspect, then forcibly substituting a more ‘ethical’ ideal. Since King Hammurabi stamped out the first cuneiform laws in Babylon, human society has experienced relentless episodes of chronic censorship. It wasn’t until the Roman Empire however, that the word censor was coined, meaningRead More America Needs Censorship Essay1567 Words   |  7 Pagesdisasters in life begin when you get what you want. For almost a century now, a great many intelligent, well-meaning and articulate people have argued eloquently against any kind of censorship of art and entertainment. Within the past twenty years, courts and legislatures have found these arguments so persuasive that censorship is now a relative rarity in most states. Is there triumphant exhilaration in the land? Hardly. Somehow, things have not worked out as they were supposed to, and many civil-libertarians

Counseling Theory And Theory Of Counseling Essay - 1346 Words

As a counseling student, it is very important to formulate a counseling theory tailored to ones’ own personality and beliefs. A counselor may choose a single theory to model when practicing therapy or pick and choose components and techniques from various theories, otherwise known as eclecticism. No theory is considered right or wrong. Understanding the different therapeutic approaches are important to effective counseling, however, counselors must also understand their own personal value, view of human nature, human behavior, counseling techniques and the purpose and goals of counseling. Understanding these components along with the different theoretical approaches will provide the counselor with a 9 knowledge of their own counseling, orientation and is essential to not only the productivity of counseling but the growth of the counselor as well. View of Human Nature My theoretical orientation gravitates strongly toward a humanistic and goal oriented theory of counseling. I agree with the Freudian psycho-analysis approach in that development happens within the first six years of life and these experiences are what influence our present behavior, however, it is my belief that human behavior is motivated through our conscious and all behavior is goal-oriented and has a desired result. Our social environment and past experiences are what strongly enhances our behavior and the decisions that we make. With this is mind, it is understood that we are in control of our actions,Show MoreRelatedTheories And Theories Of Counseling1051 Words   |  5 PagesTheories in counseling gives future counselors the overall view of theories and why they are important. Theories serve as a guide for counselors and give justification for treatment given. A lack of theory would make it hard for a counselor to connect with their client and know what m ethods to use for a specific client. Theories sets the tone of how a counselor can affect change in their client’s life. As a school counselor you would be dealing with children with different types personalities andRead MoreThe Theory Of Counseling And Therapy Theories6153 Words   |  25 PagesSummary * Influences of Theories--How counseling theories influence your understanding of how to work with consumers with disabilities. The theories we learned provided a broad-based understanding of numerous factors related to the evolution of counseling and therapy theories and practices, along with new counseling and therapy skills. The important premise that underscores one of the central challenges of counseling and psychotherapy is that we are all in the same world, but each of us makes differentRead MoreCounseling Theories2097 Words   |  9 PagesIn this essay I intend to evaluate and analyze Jean Piaget cognitive learning theories to the current educational environment and demonstrate the understanding of the reading assignments, class discussions, my research, and the application of the learning theories to the current educational environment. I believe that Piaget is one of the most influential researchers of all time, and he will always be the greatest theorist by far in the field of psychology, because he was best known for his researchRead MoreHistory And Theories Of Counseling827 Words   |  4 Pag esAmong the many issues that face the counseling profession, counseling culturally diverse clients is one of the most challenging. Becoming culturally competent is a road that all counselors must travel in order to be truly effective. In order to successfully travel that road, counselors must have multicultural training with the intended destination being culturally competency. Cultural competence requires trainees to become aware of their own world views, their assumptions of human behavior, theirRead MoreThe Theory Of Career Counseling1072 Words   |  5 PagesOhler and Levinson (2012) states that John Holland’s theory is the most widely used, respected, and researched theory of career counseling (pg. 148). With research providing a foundation of effectiveness and usefulness, Holland’s theory provides a positive framework for assisting clients achieve career and occupational satisfaction. Holland notes various personality types providing one with insight into t heir interest, traits, and factors that ultimately lead to career happiness. The six personalityRead MoreCounseling Theory Paper3873 Words   |  16 PagesCounseling Theory Julie Meyers Liberty University Abstract This theory focuses on the integration of Biblical principles by combining several aspects of major theories to provide the best treatment for clients. This theory also discusses the nature and need of man as well as the most important factors in determining the health and/or dysfunction of man. This theory provides a detailed process of intervention based on several major theories, while using Scripture as a basis for each method. OverallRead MoreOrientation of Counseling Theory4213 Words   |  17 PagesCourse number : PSYC601D Course title : Counseling Theory and Techniques I Instructor : Dr. Adrian Robert Wang Chi Tong Student name : Tong Lai Ping Rebecca Student number : MAPC080131 DECLARATION I declare that the assignment here submitted is original except for source material explicitly acknowledged, and that the same or related material has not been previously submitted for another course. I also acknowledge that I am aware of Institute policy and regulations on honestly in academicRead MoreThe Theories Of Counseling And Therapy3130 Words   |  13 PagesAccording to Merriam-Webster, theory is defined as an idea or set of ideas that is intended to explain facts or events. In every profession, theories are necessary to help determine if facts are credible. Credible theories are based on ideas, observations, and research. They have been tested in studies to see if they are effective (Gladding, 2005). For a theory to be considered as a good theory, it must meet certain criteria. It must be clear and easy to understand, comprehensive, written in a wayRead MoreA Theory Of Counseling Children1421 Words   |  6 PagesKelly Jean Tucker HPC 5220 Theoretical Paper The following paper describes a theory of counseling children that incorporates aspects of developmental theory, person-centered , reality, and acceptance-commitment therapy (ACT). Main Philosophy: This theory is specifically geared towards working with children in a developmentally appropriate manner. A therapist must assess the developmental/individual needs of the child, the environment, and how the two interact. There are many levels in an environmentRead More The Importance of Counseling Theories Essay590 Words   |  3 Pages It is imperative to study counseling theories when beginning field based work. Counseling theories provide a foundation to be able to learn and develop my own techniques. Some ideas that exemplify the significance of counseling theories are; research, application of theories, and case studies. Research To understand or create a theory, one must first have scientific support. The best way to comprise such support is research. Counseling theories give an extensive basis of data from research

Impact of External Environmental Issues on Business Performance

Question: Discuss about the Impact of External Environmental Issues on Business Performance. Answer: Introduction This report deals with the external factors that are faced by the business organisation. The chosen case study is Aviva. Aviva is a renowned insurance company, which sells both life and general insurance products worldwide. Value added service such as financial services in the form of asset and the company provides pension management. General insurance of Aviva Singapore covers the insurance of car, travel, personal accident and home insurance. Life insurance provided by the company is health insurance, direct purchase insurance and MINDEF MHI Group Insurance (www.aviva.com.sg, 2016). This company mainly deals with direct sales person or insurance agents, who build a bridge between the company and the customers. Aviva has collaboration with banks, independent vendors and other corporate partners in the business operation. Key priority of Aviva is to stay financially strong and to keep strategic partnership with the shareholders. Both demand side and supply side factors are discussed in the study. Demand for insurance comes from risk and uncertainty faced by individual. The natures of people are divided into three categories such as risk averse, risk neutral and risk lover person. Demand for insurance is mostly comes from the risk-averse person, who wants to hedge the risk (Clarke, 2016). The demand aspects of insurance companies are analysed through expected utility theory. The supply side effects are also highlighted considering external environment. Pricing is the important dimension that affects the supply of insurance products. Insurance premium is the price of the mentioned product (Zweifel Eisen, 2011). Insurance supply is the function of expected profit. Supply of insurance is positively associated with the risk bearing capacities. Two external factors affecting business environment such as natural and technological environment have been considered in this study. Climate change has effect on health o f insurance and hence has effect on demand for health insurance. Technological factor has influence on the performance of Aviva and supply of insurance. Demand factors The market analyst Moody has rated Aviva A1, which signifies as stability of the business operation of Aviva. SP has also rated this company A1. Stable insurance business increases its demand for products to the customers. Demand for insurance mainly comes from the risk averse person, who wants to diversify the risks to the third party. Demand for insurance is less from the risk loving or risk neutral individual. As stated by Outreville (2015), risk has positive relation with the return as higher risk is associated with higher return, as there is no certainty of money received. As discussed by Haseltine (2013), demand for insurance product depends on their prices such as insurance premium, expected return, individual preferences and budget constraint. As concluded by De Janvry, Dequiedt Sadoult (2014), demand for life insurance in Singapore depends upon level of education, development of social security pension, child dependency ratio, elderly dependency ratio. Premium and inflatio n rate affects the non life insurance. There is no specific theory on insurance product. Demand for insurance product of Aviva is thus depend on the characteristics of the industry and the behaviour of the households. In the view of Jaeger et al. (2013), the determining factors of demand for insurance product are financial development, market structure; characteristics of households, expected price, social security retirements and survivor benefits are the determining factors of the demand for insurance products and services. However, as discussed by Haseltine (2013), affect of climate change or natural disaster is significant to influence demand for insurance product. In this report, the two factors namely human behaviour and climate change has been considered as the two components generating the demand for insurance in Singapore. Influence of Human Behaviour on Demand: Human behaviour plays a significant role in generating the demand for insurance within a nation (Ramesh, 2016). Every miniscule decision taken up by a human being involves a complex procedure of decision-making taking into consideration several factors within and outside the economy. The decision to invest on any insurance policy also includes this complex procedure. It has already been stated that people are categorised as risk lover, risk neutral and risk averse. This behaviour in turn is dependent on peoples thirst for gaining utility (Benard et al., 2015). Figure 1: Utility and Risk Measurement Source: As Created by the Author According to Arrow-Pratt measure, the blue line indicates risk neutral, the brown line indicates the utility curve of risk averse and the green line indicates risk-lover person. The risk averse person faces diminishing MU curve whereas the risk lover person has an increasing MU curve (Traeger 2014). This indicates that with increase in wealth, the MU of people increases. For a risk-averse person the opposite scenario happens. These risk-averse persons generate the demand for insurance. They are often guided by their intuition that they might face hardships in their daily life or be facing life risk. Usually demand for insurance from an risk averse person not only comes from the fact that he might be facing difficulties in his own life but also from the fact that he might want to secure the life of other members in his family (Embrechts Hofert, 2014). A consumer usually takes the help of the concept of inter-temporal budget while considering their decision to invest in any situation. Their decision-making process involves their present income and consumption, their expected future income and their expected future consumption. After taking into consideration of the inter-temporal choice and income as a constraint, people opt for insurance as it acts as lowering the costs of financial distress that they might face (Bakker Knoben, 2014). It is not only individual person who creates demand for insurance but also the business organizations create a demand in insurance sector. Often business organization opts for a wide range of insurance, starting from insuring their assets against theft, fire and other mishaps. In fact big firms do invest a lot of money in insuring their company depending on the potential vulnerability they expect to face. The decision of firms to secure their business through insurance is a part of coalition of multiple human behaviours and their collusive decision. Influence of Climatic Condition on Demand: This report is based on Aviva operating in Singapore. Though the country is situated near Equator, it experiences tropical climate with high level of humidity, moderate temperature and abundant rainfall. Climatic condition also plays a major role in generating the demand for insurance at individual as well as on mass level. On individual level the demand for health insurance increases with degrading climatic condition and on mass level, any organization is expected to generate demand for more insurance of their property and capital. According to a report published in Wall Street Journal (2016), Singapore has been facing air pollution the level of which increased to great extent during the past few months. The forest-fire of Indonesia has been the main reason for the sudden rise in air pollution in the nation. According to the National Environmental Agency the people has been advised to avoid staying outdoor for a prolonged time (www.wsj.com, 2016). This high level of pollution result s in severe health issues starting with acute asthma. Other than that the people also faces issues like wheezing, eye irritation, prone to cancer and skin diseases. As a result, people opt for more of health insurance in Singapore. In addition, areas that are prone to natural calamities generate more demand of insurance (Lee, Lee Chiu, 2013). Hence, it can be said that since the Singaporean economy faces so much issues in their climatic condition due increased level of pollution, therefore, Aviva can expect a high level of demand in insurance market. Supply Factors: As stated by Kunreuther, Pauly and McMorrow (2013), the supply of insurance depends heavily on the expected profit levels. In general the demand and supply of insurance are considered together to understand the market scenario. Supply alone has minimum or no significance in the market. If the supply changes with the demand being unchanged, the equilibrium quantity and price will deviate from its original situation. However, people will not be bothered by the change. For example, if the demand remains unchanged and the supply increases, the price will fall. The general definition of demand states that the fall in price will be followed by increased demand. Nevertheless, in reality, the demand of insurance depends heavily on the psychology of people. If the consumers perspective towards insurance remains unchanged, the increased supply of insurance will have no significant effect on the consumers. There are many factors that affect the supply side of the insurance market. Among these the natural changes and technological changes are considered in the study. The supply of insurance is positively related to the risk bearing capacity of the market agents. This risk bearing capacity depends highly on the insurer capital and surplus. If the surplus is significantly low with low amount of insurer capital, the risk bearing capacity will shrink. This trait will affect the supply side of the insurance market negatively. To understand the supply side of this industry the theory of cycles can be incorporated. It states that the capacity of risk bearing depends on the total capital that the investors are ready to put at risk. The degree of the risk also plays a vital role in determining the supply of the insurance. The process is self sufficient in a way that even if capacity crisis hits the market the inefficiency in the market will raise the price and profits in the market. This will in crease the amount of the capital under insurance. Eventually the transaction between the supply and demand in the market will become smooth. In general, the presence of foreign insurance companies enhances the market capacity. The risk and negativity in the market are distributed across the borders. The process is similar to the way the assets and liabilities are distributed. The technological factor affects the insurance supply the most. As a country or economys technology improves it has a trickledown effect to all the sectors. The technological improvement will increase the level of capital in the country. It will require more insurance. The technological improvement will also increase the supplies of insurance. The cost of production will reduce for the insurance companies operating in the country like Aviva. According to the ideas given by Chang, Lee and Chang (2014), it will provide the insurance companies to supply more insurance at the same price as the cost has gone down. Moreover, it will ensure that the profit level will be the same or increase. The technological improvements also help the insurance companies l ike Aviva in reducing the risks in a deal. With new technology being introduced to the medical industry, recognizing a disease will be easier for the organization. This way the organization Aviva can charge the consumers more accurately. It will help the organization in calculating the risk of a life insurance. Aviva will be able to charge the consumers a premium, which will cover the risks properly. Technological improvements also can help the organization with general insurance. As stated by Mhlnickel and Wei (2015), the improvements often result in reducing the risks that can be caused by inferior technology. Again, the level of supply of premium also depends on the level of premium that the companies like Aviva can charge. An older person has to pay more premium than a young person does, as the life expectancy significantly determines the premium level for the consumer and the organization. According to the views given by Liu, Zeng and Yao (2017) technological changes often play an important role in increasing the life expectancy, in which case the premium level will fall. The premium level also depends on the fitness of the customer. The level of premium the customers are willing to pay determines how much the organization will supply. The insurance industry of Singapore is globally recognized. Since the global financial crisis of 2007 hit the export industry of Singapore the insurance industry has witnessed uncomfortable and rough patches over the last couple of years. As stated by Jinghua (2015), the economic crises have the potential to disrupt the demand and of the insurance industry that once used to thrive. The low interest rate set by the government to get the economy back on track has affected the market badly. The capital requirements have also changed the market dynamics for the insurance companies like Aviva. The government authorities in the country have tightened the regulatory capital requirements as the economy is facing further risks. This phenomenon has reduced the supply of insurance in the country significantly, which negatively affects the organizations like Aviva. Analysis: Following the views of Huat and Kuen-Chor (2014), it can be said that, the insurance industry of Singapore is constantly changing due to external factors like economic, environmental, technological, and others. The economy of Singapore is highly affected by the overall Asian market. The economy of Singapore largely depended on the export to the western world. The global financial crisis of 2007 has shaken the world economy, which affected the export industry of Singapore. It reduced the size of the market. Such a crash has created a hollow place in the capital generation process. As stated by Klumpes, Kumar and Dubey (2014), it reduced the demand for insurance. The life insurance in the country comes with high premium rates because of the unhealthy environment of living. The air pollution in the country has reduced the quality of life and life expectancy. Although the medical instruments and technologies in the country are one of the best in the world, the unfavourable environment is the reason the quality of life in Singapore is such low. As stated by Gaganis, Hasan and Pasiouras (2013), this increases the demand for the insurance products that the organizations like Aviva are offering to their customers. It also presents immense opportunity for the organization to capture a large share of the market. However, to increase the market share, the organization has to be able to increase the supply. According to the ideas of Brokeov, Pastorkov and Ondruka (2014), the global financial crisis left the Singaporean economy in a tough spot. The government of the country has decreased the rate of interest to increase investment. The low interest rate has reduced the return from the long term insurances. The demand for the insurances has thus fallen significantly. As new capitals are entering the market, there are new opportunities in the market. Following the views of Ellis, Chen and Luscombe (2014), it can be said that, the increase in the demand is thus forecasted by several surveys. With the change in the market-dimensions, there are new opportunities in the market for Aviva. The organization can focus more on product designing and development. Customer specific product development will help the organization to grab the attention of the consumers and increase its sales. The organization can use the time while the market is trying to get back on the track. It can offer new policies, which will bring the organization more clients. Following the views of Lesle et al. (2014), the market of Singapore cannot get rid of the fact that the market is in a place, which has unhealthy environment. The air pollution in the country has risen to such high that after the global financial crisis, the Singaporean government is looking at increasing output but very cautiously as too much emission can break the balance of the nature of the county. It has made the health insurances a must for every person. Moreover, it increased the rate of the premium. At this high level of premium people are not being able to afford insurance. To address those people Aviva needs personalized insurance products and packages. It will help the organization in employing skilled personnel for creating the policies. It will also help the organization to capture a better portion of the market share. The competition in the market is currently high as all the organizations are trying to take advantage of the financial crisis that it has been through rec ently. Foreign MNCs with more capital are increasing the prices by pushing the equilibrium higher. It is reducing the amount of products that were available at the same price before. Asia as a whole is more prone to natural catastrophes. In last few years, Asian countries like Singapore are responsible for more than forty percent of the total loss by natural catastrophes. Of the total losses in the country, around thirty percent of property was only insured. It raises the question of answering the low rate of using insurances in the country. One of the prime causes behind the low usage of insurance is the high premium rate, which is nearly unavoidable by the organization. According to the ideas given by Xian, Bo and Zhide (2015), the government policies also play a huge role in determining the equilibrium between the demand and supply of the insurance market. The government of Singapore has to make even distribution of resources to create a development all over the industries. Otherwise, the income inequality in the country will rise rapidly. The demand for insurances is more dependable on the thought process of the customers. If they are more risk averse, the demand for insurance will rise. The supply depends on the how much the organization can provide given the purchasing power of the consumers. Recommendation Conclusion: Throughout the report, the impact of environment on the demand and supply of insurance along with human behaviour has been focused. After analysing, the demand and supply factors influencing the insurance sector few areas have been highlighted which possess a hindrance in the growth of Aviva and insurance sector in general. The things problems and recommendations are as follows: It has already been mentioned that pollution and climate is an important component that generates demand for insurance. At the same time premium is an important component determining the supply of insurance. Whenever there is high level of pollution in the environment, it obviously causes health problems. Following the basic logic of business, it is going to be a risk for Aviva to provide insurance to unhealthy person. Henceforth, Aviva and any other insurance company would automatically have to bear the risk of paying back more amount of money to the affected person and so they keep the premium very high. But this has adverse impact on the consumers. Hence, it is recommended that Aviva must try to keep their premium low even while catering to the needs of unhealthy person. They may add extra clause in their terms and condition for payback to avoid the risk of paying more to their clients than actually earned by the company. Singaporean economy is under re-construction after the global financial crises of 2007-08. It has seen high growth in their economy and henceforth it is recommended that Aviva as the insurance company must try to design different kinds of policies to attract more clients. It has been observed that Aviva still do not offer policies that safeguards the Singaporeans from natural calamities and disaster. However, this is not much required given the statistics related to the events of natural calamities in Singapore, but still bringing new policies might help Aviva to get more clients in their companys portfolio. Recently, the government has reduced the interest rate. This is going to have adverse effect on people who opt for the long-term insurance and specially life insurance. Hence, it is recommended that Aviva and other life insurance company should approach to Singaporean government can ask to revive or find some ways through which the people do not become loser and decline from taking up insurance. This report can be wrapped up by stating that there are several factors that amalgamate to form the workings entire demand and supply. However through this report it has been tried to focus on the influence of human behaviour and climatic changes on the demand for insurance. The report also tried to highlight the ways in which technological up-gradation and premium quoted helps in deciding the total supply of the insurance in the market. The economy is recovering from the shock of financial crises. However, if Aviva can follow the recommendations of diversifying their products, collaborating with government and reducing the premium rate it can expect to grab a large share of market in Singapore. References Aviva Singapore. (2016). Aviva Singapore. Retrieved February 7, 2017, from https://www.aviva.com.sg/ Bakker, R. M., Knoben, J. (2014). Built to last or meant to end: Intertemporal choice in strategic alliance portfolios.Organization Science,26(1), 256-276. Bernard, C., He, X., Yan, J. A., Zhou, X. Y. (2015). Optimal Insurance Design Under Rank?Dependent Expected Utility.Mathematical Finance,25(1), 154-186. Botzen, W. W. (2013).Managing extreme climate change risks through insurance. Cambridge University Press. Brokeov, Z., Pastorkov, E., Ondruka, T. (2014). Determinants of Insurance Industry Development in Transition Economies: Empirical Analysis of Visegrad Group Data. The Geneva Papers on Risk and Insurance Issues and Practice, 39(3), 471-492. Chang, T., Lee, C. C., Chang, C. H. (2014). Does insurance activity promote economic growth? Further evidence based on bootstrap panel Granger causality test. The European Journal of Finance, 20(12), 1187-1210. Clarke, D. J. (2016). A theory of rational demand for index insurance.American Economic Journal: Microeconomics,8(1), 283-306. De Janvry, A., Dequiedt, V., Sadoulet, E. (2014). The demand for insurance against common shocks.Journal of Development Economics,106, 227-238. Ellis, R. P., Chen, T., Luscombe, C. E. (2014). Comparisons of Health Insurance Systems in Developed Countries. Encyclopedia of Health Economics, 1-22. Embrechts, P., Hofert, M. (2014). Statistics and quantitative risk management for banking and insurance.Annual Review of Statistics and Its Application,1, 493-514. Gaganis, C., Hasan, I., Pasiouras, F. (2013). Efficiency and stock returns: evidence from the insurance industry. Journal of Productivity Analysis, 40(3), 429-442. Haseltine, W. A. (2013).Affordable excellence: the Singapore healthcare story. Brookings Institution Press. Huat, T. C., Kuen-Chor, K. (Eds.). (2014). Handbook of SingaporeMalaysian Corporate Finance. Butterworth-Heinemann. Jaeger, C. C., Webler, T., Rosa, E. A., Renn, O. (2013).Risk, uncertainty and rational action. Routledge. Jinghua, L. (2015). Pension Reform in Singapore and Its Enlightenment of China. Southeast Asian and South Asian Studies, 2, 016. Klumpes, P., Kumar, A., Dubey, R. (2014). Investigating risk reporting practices in the global insurance industry. British Actuarial Journal, 19(03), 692-727. Kunreuther, H. C., Pauly, M. V., McMorrow, S. (2013). Insurance and behavioral economics: improving decisions in the most misunderstood industry. Cambridge University Press. Le Lesle, M. V., Ohnsorge, F., Kim, M., Seshadri, S. (2014). Why complementarity matters for stabilityHong Kong SAR and Singapore as Asian financial centers (No. 14-119). International Monetary Fund. Lee, C. C., Lee, C. C., Chiu, Y. B. (2013). The link between life insurance activities and economic growth: Some new evidence.Journal of International Money and Finance,32, 405-427. Liu, W., Zeng, X., Yao, L. (2017). An Analysis of the Impact of Medical Insurance Policies on Treatment Selection Among Kidney Disease Patients via System Dynamics. In Proceedings of the Tenth International Conference on Management Science and Engineering Management (pp. 737-744). Springer Singapore. Mhlnickel, J., Wei, G. N. (2015). Consolidation and systemic risk in the international insurance industry. Journal of Financial Stability, 18, 187-202. Outreville, J. F. (2015). The relationship between relative risk aversion and the level of education: a survey and implications for the demand for life insurance.Journal of Economic Surveys,29(1), 97-111. Ramesh, M. (2016). Funds in Malaysia and Singapore.Transforming the Developmental Welfare State in East Asia, 191. Traeger, C. P. (2014). Why uncertainty matters: discounting under intertemporal risk aversion and ambiguity.Economic Theory,56(3), 627-664 Venkat, P. Watts, J. (2016). Singapores Air Quality Plummets as Haze Returns. WSJ. Retrieved February 7, 2017, from https://www.wsj.com/articles/singapores-air-quality-plummets-as-haze-returns-1472187305 Xian, X., Bo, D., Zhide, F. (2015). Offshore Insurance in Singapore and Its Experiences for China. Asia-pacific Economic Review, 3, 013. Zweifel, P. Eisen, R. (2011). The Supply of Insurance.

Langston Hughes And Harlem Renaissance Essays - Harlem Renaissance

Langston Hughes And Harlem Renaissance The Harlem Renaissance brought about many great changes. It was a time for expressing the African-American culture. Many famous people began their writing or gained their recognition during this time. The Harlem Renaissance took place during the 1920's and 1930's. Many things came about during the Harlem Renaissance; things such as jazz and blues, poetry, dance, and musical theater. The African-American way of life became the "thing." Many white people came to discover this newest art, dancing, music, and literature. The Great Migration of African-American people from the rural South to the North, and many into Harlem was the cause of this phenomenon. Harlem was originally a Dutch settlement. Harlem became one of the largest African- American communities in the United States, and during the Harlem Renaissance became a center for art and literature. Many great writers came about during this time, one of which was Langston Hughes. Hughes was born in 1902 with the name James Langston Hughes, and died in 1967. He lived most of his adult life in Harlem. He grew up without a stable family environment. His father moved to Mexico, and he never really saw much of him. Hughes was often referred to as "Harlem's poet" (Haskins 174). Hughes had and still has a great influence on poetry. Hughes poetry was a reflection of the African-American culture and Harlem. He wrote many poems, and continued to write even after the Harlem Renaissance. He loved Harlem that was his home. He watched it decline with the onset of the Great Depression. He saw Harlem turn into a place to be feared by many. It was a sad and dangerous place to be, after the depression. Hughes described the impact of the Great Depression upon African-Americans, "The depression brought everyone down a peg or two. And the Negro had but a few pegs to fall" (Haskins 174). Langston Hughes valued the teaching of children. Many of his poems are children's poems. He often traveled to schools and read his poetry. His first published works were in a children's magazine during the 1920's. He published a book of ABC's called The Sweet and Sour Animal Book. He wanted to inspire the youth, and make them feel good about themselves. He did not only write poetry, but that is what he is famous for. Much of his poetry talks of the hardships, poverty, inequality, etc. of the African-American people. His work has inspired many people, and is read by many students and scholars. He is a great positive role model. I personally love his poetry. It describes these problems within our society that still have yet to be resolved. It opens the reader's eyes to the many disadvantages that many people have suffered through and are still trying to overcome. Hughes writes about how the African-American people have been all over the world. In "The Negro Speaks of Rivers" he talks about them bathing in the Euphrates, building huts by the Congo, and singing of the Mississippi. I think that this poem is showing how these people are everywhere. That in America we act as if they are subordinate, but he is saying to the white people, look at all my race has accomplished. "We" built the pyramids, and we have been around as long as these rivers. This is a positive poem. It does not talk directly about racism nor puts down the white race for being prejudiced (Lauter 1612-13). In the poem, "I, Too" he describes how he is also part of what America is. Even if he is sent to eat in the kitchen, he is as much a part as anyone else. One day he will not be made to hide and eat in the kitchen. One day people will see that African-Americans are beautiful people, and will be ashamed of how they were treated. This poem gives hope to the black community. It makes them yearn for the day when equality will come and racism will end. Too bad that the day has still not yet come in this century (Lauter 1618). In his poem, "Harlem" this is addressed. He wonders what happens to dreams that are deferred. How long must one still dream of something that seems like it will never come. The African-American people have been waiting to be seen as equal for many years, yet it still seems so out of reach. His poetry seems to address this over and over again (Lauter 1619). In "The Negro Artist and the Racial Mountain," a

Free Essays on Map Vs. Ohio

MAPP vs. OHIO The Mapp Vs Ohio Supreme Court Case was a turning point in our nation's history. It changed our legal system by forming the exclusionary rule, which in turn changed the way prosecution of a criminal is performed. On May 23, 1957, three Cleveland police officers arrived at Dolly Mapp’s home. They had reason to believe that a fugitive and paraphernalia, of a recent bombing, had been hiding out there. The officers asked if they could search the home without a search warrant, with the advice of her attorney, she refused. Three hours later, four more police officers arrived at the scene. They knocked on the door but Ms. Mapp did not respond immediately. The officers then forcibly entered the home by knocking down the door. Ms. Mapp demanded to see a warrant; but an officer showed her a blank piece of paper that he claimed to be the warrant. Ms. Mapp’s attorney arrived at the house and the police would not let him speak to his client or enter the home. Aggravated with the situation, Ms. Mapp took the warrant and put it down her bosom. The officers arrested her an account she was â€Å"belligerent.† While Ms. Mapp was in handcuffs, the police conducted an extremely though sear ch of the house by breaking things and search through private drawers and desk. They found no evidence of a fugitive and of anything bomb related, however they did find some lewd, and vulgar reading materials that were illegal in Ohio. Ms. Mapp was ultimately convicted in the Supreme Court of Ohio on account of her possession of the pornography. The search was illegal according to a previous ruling in Wolf vs. Colorado; but Ms. Mapp appealed claiming it violated due process of law. In 1949, the Court ruled in Wolf vs. Colorado, claming that the due process clause of the fourteenth amendment did not incorporate the 9th and 10th amendments. Suggesting that the due process did not protect non-specified rights or was due process permanently defined w... Free Essays on Map Vs. Ohio Free Essays on Map Vs. Ohio MAPP vs. OHIO The Mapp Vs Ohio Supreme Court Case was a turning point in our nation's history. It changed our legal system by forming the exclusionary rule, which in turn changed the way prosecution of a criminal is performed. On May 23, 1957, three Cleveland police officers arrived at Dolly Mapp’s home. They had reason to believe that a fugitive and paraphernalia, of a recent bombing, had been hiding out there. The officers asked if they could search the home without a search warrant, with the advice of her attorney, she refused. Three hours later, four more police officers arrived at the scene. They knocked on the door but Ms. Mapp did not respond immediately. The officers then forcibly entered the home by knocking down the door. Ms. Mapp demanded to see a warrant; but an officer showed her a blank piece of paper that he claimed to be the warrant. Ms. Mapp’s attorney arrived at the house and the police would not let him speak to his client or enter the home. Aggravated with the situation, Ms. Mapp took the warrant and put it down her bosom. The officers arrested her an account she was â€Å"belligerent.† While Ms. Mapp was in handcuffs, the police conducted an extremely though sear ch of the house by breaking things and search through private drawers and desk. They found no evidence of a fugitive and of anything bomb related, however they did find some lewd, and vulgar reading materials that were illegal in Ohio. Ms. Mapp was ultimately convicted in the Supreme Court of Ohio on account of her possession of the pornography. The search was illegal according to a previous ruling in Wolf vs. Colorado; but Ms. Mapp appealed claiming it violated due process of law. In 1949, the Court ruled in Wolf vs. Colorado, claming that the due process clause of the fourteenth amendment did not incorporate the 9th and 10th amendments. Suggesting that the due process did not protect non-specified rights or was due process permanently defined w...

P3725 case 21 Essay Example | Topics and Well Written Essays - 1000 words

P3725 case 21 - Essay Example On the other hand, untreated periodontitis can lead to early tooth loss. According to Ere and Genco (2007), â€Å"periodontal disease is highly prevalent in older adults, affecting 34% of the American population ages greater than 30 years and it is severe in 13% .† Patient with certain genetic traits or systemic diseases such as diabetes, smokers, stress, medication, clenching, or grinding teeth suffer from increase susceptibility. Reducing gingivitis and destructive periodontal diseases among adults is one of the important oral health objectives since it entails proving good oral preventive instruction care. As a student, I want to contribute to the efforts aimed at decreasing prenatal disease care particularly with respect to the case of Mr. B. I have seen a number of patients with some periodontal disease. Such encounters have been very fundamental in broadening my knowledge and understanding on care related to such infections, a move that would be very critical in helping such patients. One of such cases is that of Mr. B who is 48 year-old male, divorced, and works 3-4 days a week far from home. Currently, he is serving as a salesperson. He happens to have been complaining of the appearance of the yellowing and stains teeth. Over the last three years, he has been to a dental specialist after every 4 months for checkups and cleaning. This patient clenches and grinds the teeth in the daytime and night. He does not floss and regularly uses hard tooth brush 3 times a week for approximately one minute with hydrogen peroxide and baking soda tooth paste. He has been smoking two packets of cigarettes per day and has not plan to quite any time soon. Also, he consumes four cups of coffee daily. The patient has type II diabetes und er control with medication. The last physician visit was for hyperthyroidism thyroid gland with medication. He strives to reach a

Significance Of Teamwork In Organizational Competitiveness Case Study - 1

Significance Of Teamwork In Organizational Competitiveness - Case Study Example Members of the teams benefit from knowledge sharing, which is important in career development and workplace learning. Teams may or may not be effective depending on their formation and leadership. Successful teamwork is characterized by a high team spirit in which every member is contented and willing to take part in accomplishing the tasks. Moreover, the employees working in a successful team tend to be enthusiastic about identifying with it. They also demonstrate loyalty to its leadership as well as among each other, as well as a willingness to work together. Everyone is usually focused on the accomplishment of a shared vision and owns the goals of the team. For this reason, organizations that promote strong teamwork are able to maintain competitiveness by offering effective services to the customers. Beardwell & Holden (2001) observe that customers are attracted to an organization in which they are served in a similar manner regardless of the staff member that deals with them. This paper presents a critique of the view that teamwork is always positive. It highlights U.S and UK organizations that exhibit teamwork in the workforce. It also compares these organizations with others that operate in the international markets Many organizations engage in projects targeted at particular target segments in the market and hence the strategies for the accomplishment of particular organizational goals need to be understood by all the people involved among the workforce. For example, if an organization has engaged 12 people as marketing representatives, it is important for them to work as a marketing team that is composed of employees with similar objectives.

Ellie Enterprises - Deloitte Audit Case Essay Example for Free

Ellie Enterprises Deloitte Audit Case Essay Alternative Investments Among the five funds, three of the funds, Cloudy Retirement 500 Index, Cloudy High-Yield Hedge Strategies, and Cloudy Real Estate All starts, are alternative investments. Those three funds, as the case states, are not registered under the Investment Company Act of 1940 or under the Securities Act of 1933. Thus, they are not offered to the investing public or are not been required to offer significant information to public. Moreover, the investment product held by Cloudy High-Yield Hedge Strategies is hedge fund. It is not traditional investment, such as stock or bonds, and is difficult to determine the current market value. Existence of the investments The confirmation did not provide sufficient competent audit evidences to support the existence of the investments; therefore, the engagement team must perform additional procedures. AU Session 332 states, â€Å"Confirmation of the holdings on a security-by-security basis typically would constitute adequate audit evidence with respect to the existence assertion.† The confirmation Union provided, which is on fund-by-fund basis, is not detail enough to typically be considered as adequate audit evidence. Moreover, the audited financial statement of the alternative investment, which could provide significant audit evidence, is not available before the issuance date of the auditors’ report on Ellie’s consolidated financial statements. This fact further proves that the engagement team needs to conduct substantive procedures. To assess the existence of the investments, following procedures can be performed. First, the engagement team can request transactions involved in each five of funds during the funds’ fiscal years. Actual transactions prove that Ellie’s investments have been held in those five different funds. Second, as the case states, the Committee periodically review plan performance and assets allocation. Therefore, the Committee must kept reports and memos regarding their plan performance or discussions with Union. The engagement team can collect documents related to Ellie’s investments in those five funds from Ellie and Union. Documents from the investor entity and trustee entity can prove the existence of investment activities. Moreover, by comparing those documents, the engagement team can test whether Union’s investment behavior has aligned with the strategies or  any adjustments made to the Ellie’s investments. An example can further illustrate. For example, the Committee decided to change the investment allocation. It is expected to see Union held documents which contain details showing the change of the strategy, specific investment that Union made, and the performance after adjustments. Such documents are sufficient evidence to prove that Ellie’s investments are in the funds and being appropriately management by Union. Lastly but no lease, obtaining related information directly from a third party may also be helpful in this case. The engagement team can directly contact five fund managers and inquire them whether Ellie’s investments were held in the funds. Value of the investments Simply confirming investments in the aggregate neither prove the existence of the investments, nor support the valuation of the investments. Furthermore, there is a time lag in reporting between the date of the financial statements of the funds and the date of the auditor’s report on Ellie’s consolidated financial statements; thus, the engagement team should perform additional procedures. Cloudy Retirement intermediate-Term U.S. Treasury To check the accuracy of the amount of share held by Ellie, the engagement team could request the fund manager to provide documents stating the amount of shares held by Ellie. This fund is registered with the SEC under the Investment Company Act of 1940 and under the Securities Act of 1933. Normally quoted market prices for such funds are available from sources such as financial publications, the exchanges, or NASDAQ. The engagement team could obtain the quoted market prices of the fund and check the prices with those on the confirmation. Cloudy High-Yield Hedge Strategies Since this fund is not registered with SEC under the Investment Company Act of 1940 or under the Securities Act of 1933, the engagement team is unable to get quoted market prices and compare with numbers on the confirmation. However, the engagement team could request a more detailed confirmation providing information of the underlying investments. Next step the engagement team can take is to evaluate the underlying investment and the reasonableness of the assumptions used in fair value calculation. Since  evaluation may involve a lot of specialized knowledge and techniques, the engagement team could employ a specialist. Under the situation that the engagement team did not receive a detailed confirmation of the underlying investments, there are several procedures can help with the assessment. First, the engagement team can collect previously audited financial statement for the funds to compare information the team obtains for this year. If Ellie didn’t make a lot of change on its investments and the performance of funds held by Ellie are stable in recent years, but investment balance of this year is very different from ones of previous years, the engagement team need to increase the risk and take a closer look at the evaluation of Ellie’s investment of this year. Other than previously audited financial statement for the funds, meeting minutes, memos, or summaries that document valuation or judgments made during managing the investment are evidence that auditor should collect and review to help assessment. Second, the engagement team can call or visit the auditors of Union to ask their opinion about the valuation of the investments that Union managed. Besides, the engagement team also could pick some sample transactions and then test the fair value measuremen t involved in those transactions to see whether the fair value measurement are reasonable or comply with industry standard. Last but not least, the auditing team can directly contact the five fund managers to check out Ellie’s balance.

Analysis of Gandhi Quote :: Mohandas Gandhi Essays

Revenge spreads like wild fire in the United States. It?s all one big chain reaction. One person says something about another person. The other retaliates. It?s a never ending cycle. ?An eye for an eye only makes the world blind? says Mohandas Gandhi. People are blinded by there own personal compulsions to seek revenge that they don?t see that they are perpetuating the hatred. An eye for an eye, you punch me ill punch you. You hurt my feelings ill hurt your feelings. Makes the world blind, the spell binding reaction keeps going until there is nothing left to fight for. Gangs in the inner cities are continuously attacking each other and seeking revenge. I?m blind and you?re blind. My friends are gone and your friends are gone. Not stopping the vicious cycle can only cause more harm. A former gang member who killed four people was put to death last night in California calling up the notions of retribution and redemption. How sad for those families whose loved ones died horrific deaths. And how sad for our society that we killed a man last night as well. Death is death. I have not walked in those family member's shoes. I don't know what it feels like to lose a loved one to violent murder. I cannot imagine their lives. I feel such sadness for their loss. The terrible truth is that five people have been killed. And now what do we do? If we keep killing each other what will that do?(Crossleft.org). There needs to be some one to start a new reaction. Some one who is the bigger person. Some one like Gandhi. Gandhi never resorted to violence as a solution. He used his mind and his words to fight his battles. Gandhi was arrested many times for his protest against violence(kamat.

A Passing of the Torch; Europe from 1500-1800

A Passing of the Torch; Europe from 1500-1800 When you step back and observe history from afar you’re missing part of the story. Observing the rise of Europe, you cannot simply take into account it happened. To understand the past you need to look into past, in documents and first-hand accounts to observe the underlining issues. To best explain the major shift in energy from the Indian Ocean Basin to the North Atlantic in 1500 to 1800 you have to observe the world and the people in context. Europe is an underdog to rise to the top.Having just experiencing the worst of the Black Death wiping out a majority of its populations, a tragedy in all senses, turned into a blessing. It sparked the scientific revolution; inspiring the Europeans to shift their views towards knowledge and discovery (Reilly, 434) . Sprinting ahead, Europe took the world by surprise. With their footing in a ‘new world’ the opportunities were endless. Exhausting their colonies at its full potenti al, with the cash crop, sugar they were able to revolutionize commerce into a representative model of modern trade.The Europeans weren’t the only ones making radical changes in the era. The Confucian Scholars were forcing Chinese to push inward and were eliminating commerce (Kristof, 551). Shifting of energy from the Indian Ocean to the Atlantic Ocean; Europe gained power in the era through two main triggers, the scientific revolution and the developments of the sugar plantations in the new world. To better understand what’s happening with Europe in the 1500’s and later you need to also look back at the past and see where they have been and the events leading up to the beginning of a new era in European success and discovery.When you examine Europe today they are one of the world’s leaders, less than a thousand years ago the now prominent country was spiraling down, on the brink of demise. In the mid-fourteenth century the Bubonic Plague, also known as th e Black Death, originated somewhere in Asia and progressively spread though out Europe, the Near East and North Africa. Without doubt it became the greatest health disaster to date; mass graves were being dug to compensate for the dead. The Plague spread like wildfire wiping out an estimated one-fourth to one-third of the population (Reilly, 436).With no known source of treatment available or why the disease was spreading the Europeans turned to what they knew best, Religion. The Christian consensus was that God had bestowed the plague as a devastating judgment with the meaning of punishing the inflicted for his sins. People tried anything to avoid their seeming inevitable deaths, from walking around with incense to mask the wreaking stench of death, fleeing from their homes to find unaffiliated areas, or most commonly turning to God. The priest with the duty of serving the people, considered holy and without sin, were the main care takers of the stricken.Unsurprisingly, they too ne eded to be cared for, for they as well, contracted the disease joining their following to the death beds. We know today that the Black Death was not a punishment from god, but at the time, they had only to believe what the church told them (Reilly, 460). As priest died alongside the commoners their belief system was shattered. It was common of the time to believe what the church had told them and take it as true. For instance the church stated that the earth was the center of the universe, and it was heresy to state otherwise.With the church being proven wrong, people began to look outward for new knowledge. â€Å"Without visiting a deep ravine, one cannot understand how deep the earth is†¦ ,† just like Emperor Taizong said Europe began looking at the world to discover the truths; what is now known as the Scientific Revolution and the beginning of their restoration. Today, it is impossible to think about Modern Times and the way we live without thinking about science. We have pushed the scientific front to our limits, and now reap the benefits, from cars, phones, to healthcare. The scientific revolution truly lives up to its name.It truly was revolutionary, the standard of knowledge in the Modern world. The revolution can be traced back to Europe in a dispirit search for new understanding. Looking outward for answers from other countries such as the Muslim world and China, who already had beginnings of scientific thought, a sense of discovery and development; inspired the Europeans. In the year 1492, sailing in search of new discovery, specifically a new trade route to China, Columbus had stumbled on a seemingly endless supply of natural resources, land, and opportunity. It was called America.Entirely changing the way the ancient Greeks had depicted the world, helping enlighten the people that common knowledge was wrong (Goldstone 715-716). The Scientific Revolution and the desire to reach for new understanding that came with it pushed the European s. Now doubting all they had been taught before tested the fabrics of their society, the discovery of America was the most significant aspect of the shift of energy into the Atlantic Ocean. This was exactly what Europe needed. Now having the mass amounts of resources, to utilize the discovery they required manpower.Slaves were the perfect tool for procuring the workforces they required. Where better to look than Africa? Packed with able bodied men, the African tribes lacking in the ability to retaliate, found their freedom relinquished; crammed into unsanitary, overcrowded slave ships (Mintz, 47). Martinique, a sugar plantation located on the island Lesser Antilles located in the Caribbean Sea, is an example of where they could have landed (Martinique, 628). In the drawing, Field Gang, you can see the sugar plantation, a large field being worked by a multitude of black workers and one controlling master watching over them, the multitude of slaves.To compensate for the disparity in t he work force, the plantation owners had revolutionized the process in which they operated their plantations. Specialized tasks were given to each worker to increase efficiency. This specialization resembled the earliest forms of assembly line. However, instead of the machines we have today, they had an agro energy focus. This means that the plantations shifted toward the use of human energy over the use of machinery (In Class).Unknowingly the systems used on plantations translated directly to the factories which began to pop up in the urban cities. At the end of the Black Death, Europe was a country in chaotic state. They were looking for a change and this desire paved the way. With a lack of populous, the lords of the current system, serfdom collapsed with little to no one to work the fields. Unlike their competitors Europe moved into the cities in search of opportunity (In Class). Drawing from their experiences in the sugar plantation, and the slave trade the Europeans became the frontier in production.Springing up in the industrial cities, factories played a large part of the shifting of energy to Europe, with them, goods and services could be provided with a significantly lower cost and at more efficient rates. This without a doubt gave them an edge over the competition. With the coming times, Europe in the sense of the world scope began to break into the picture. The Transatlantic Trade, shipping of goods between Europe and its colonies, set the stage for the shift of energy to the Atlantic Ocean. Allowed access to the resources in the ‘New World’ causality benefited the colonizers with the cheapest production of desirables.It also set for a sense of manifest destiny for the country (In Class). In conclusion this marked the beginnings of modern society developing. The question of the era is why Europe? A country stricken by plague, the collapse of feudalism, and lacking in internal stability in the form of natural resources or people; happen s to be the perfect candidate. The desire for knowledge and their desire to look outward fit the bill perfectly. To make the circumstances even more perfect China lost its edge in the commerce propelling Europe ahead.David Christian writes in his essay World History in Context â€Å"One of the aims of world history is to see the history of human beings as a single, coherent story, rather than as a collection of the particular stories of different communities. † When looking at the rise of Europe as a superpower in the world, you can’t focus on the singular efforts and happenings of Europe. The rest of the world had an influence on the future. The shift in energy wasn’t only accountable to the success of Europe, notably looking at China you can see the ties between the two. For Centuries China had been a leader in commerce and trade.They assembled the largest fleet known to date consisting of over 3500 ships which had the capabilities to sail across the Pacific e nabling the most secure and cost efficient form of trade. The Merchants of this era were prospering but all good things have to come to an end. After the death of the Yongle Empire in 1424, a struggle for power out broke internally. Under suspicious circumstances the successor to the empire who was selected to rule the country died. The Confusion Scholars ceased control of the country introducing new policy and deep-rooted idealisms of their ancestors.Trying to turn the focus of the country inward by 1500 they dissembled the entire fleet, destroyed the records, and made it illegal for any ship to be constructed with more than two masts. By 1525 any ocean going ship had to be destroyed. Along with the disappearance of a great Chinese fleet the ports in India, it marked one of history’s biggest lost opportunities. Without the ability of merchants to export their goods, they fell from their former glory. To add burden to this the Scholars viewed them as â€Å"necessary evils at best† (Kristoff, 555-556).Also their country already vastly spread out over thousands of miles of land, contained almost all the necessary natural resources to self-sustain itself and found no need to search elsewhere for goods. Europe on the other hand, lacked in many natural resources, which cause the need for colonization and expansion of their limits. China’s unwillingness to become a global market, unlike Europe, hurt their chances of being at the top of the era (In Class). Instigating the shift in power during the era in question, the scientific revolution and developments made in the New World, lead to a drastic change in history.Imagine if Europe had not been affected by the Bubonic Plague. We might never have explored outwards to the Americas leaving the Native population to expand. It serves evidence to the fact that changing parts of the past would alter the future. If it wasn’t for the fact that Europe had rose to power. It is not irrational to assum e many of the discoveries made in this time would differ. We live in the world we do today, because the shift in energy brought about from the scientific revolution and the developments with the sugar plantations, lead to the passing of the torch from China to Europe.

The Internal and External Conflicts of Willy Loman Essay

Individuals explore their responses to conditions of internal and external conflicts throughout literature. Going in depth to a character allows the reader to better understand that character’s internal and external conflicts. Arthur Miller uses this technique in several of his plays, including Death of a Salesman. Miller portrays the character of Willy Loman in Death of a Salesman through his internal and external conflicts. The internal conflict begins with Willy’s expectations for his sons and The Woman. Willy struggles throughout the play with having extremely high expectations for his sons, Happy and Biff. Happy and Willy get along well because they are most alike of the two sons. Happy has the same materialistic mindset as†¦show more content†¦The reader can see this when The Woman says, â€Å"I’ll put you right through to the buyers,† (Miller 39). Thus, Willy has multiple expectations for his sons and The Woman. The internal conflict continues with Willy’s dreams. The beginning of the play tells us that it is about dreams (Eisinger 2). Willy dreams of the American dream and family dreams. Willy characterizes the American dream as success, which creates conflict within himself. Willy longs for the dream so much that he focuses solely on achieving this goal that he loses desire for anything less. Willy interprets his desire for success when he defines Dave Singleton: And he was eighty-four years old and he’d drummed merchandise in thirty-one states. And old Dave he’d go up to his room, y’understand, put on his green velvet slippers – I’ll never forget – and pick up his phone and call the buyers, and without ever leaving his room at the age of eighty-four, he made his living. And when I saw that, I realized that selling was the greatest career a man could want. (Miller 81) Dave Singleton is a model for Willy because he shows that a salesman can be remembered, loved, and helped in many different places in the country (Eisinger 4). The success of Dave is the American dream that Willy desires. The American dream of having everything one wants. Because Willy wants this corrupt dream so much, he longs for his family to have the same dream. Happy does however,Show MoreRelated Willy Loman, Jay Gatsby, and the Pursuit of the American Dream798 Words   |  4 PagesWilly Loman, Jay Gatsby, and the Pursuit of the American Dream Scott Fitzgerald, author of The Great Gatsby, and Arthur Miller, author of Death of a Salesman, both tell the stories of men in the costly pursuit of the American dream. As a result of several conflicts, both external and internal, both characters experience an extinction of the one thing that they have set their sights on.... The American Dream. 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