History Reflection Paper

The materials and objectives of SUPS History has given me the confidence to feel capable of meeting college standards upon my arrival to a university. The first term paper I was assigned stressed me out! I was so overwhelmed by the thought of having to write at a college level and how my professor, Ms. Kelly, was going to grade us by college standards. Although I was a nervous wreck, I scored a solid 80%. As I reviewed my actions taken towards completing the essay, I realized that I had waited till two days before the due date to start it and I didn't feel confident in my thesis or essay layout.I remember making myself a mental note weeks before it was due to conference with my teacher for reassurance of the deletion of which my essays focus was going however, I mutinously procrastinate and pushed It to the back of mind. When I actually did start It, It was too late to make a conference. From that first essay Eve learned a lot. Procrastination not only escalated my stress levels but hindered myself from performing at its most greatest capability, which could have earned me a higher score.As the year progressed, I adjusted my habit to starting the term paper at least eight days prior to its due date, giving myself plenty of time to review, research, and conference with Ms. Kelly. Although I didn't conference with Ms. Kelly for every essay, I at least had the time to have some other educated person proof-read it. My term paper grade remained a 80% until recently when I was marked a 75%. Although my grades weren't as pretty as I would have liked them to be, I can understand how I mess up and learn from my mistakes.As a maturing student, Eve learned to take criticism against my work respectfully and rather than being offended or Jumping to conclusions, I absorb the side comments and apply them as best as I can the next time around. For my most recent assignment, I only scored so low because of a misread of the directions. But see, I even learned from that so I'll b e sure to clearly comprehend directions from now on! Furthermore, I've also mentally grasped the formatting of in-text citations, citation pages, and title pages along with the significance of research.Effective research comes from reliable sources, such as the books and documents found on the Syracuse library website. It has become a habit of mine to verify information and check source accuracy. For instance, when I'm researching science related topics for my HUBS (Human Body Systems) class, Eve refrained from the typical Coach answers, Yahoo or Wallflowers and directed my attention to the official Mayo Clinic and Webmd site as well as documented experiments and publishing. Something new this year that I never thought I'd enjoy all that much were the group discussions.Normally I hate group discussions because the same two or three people will cut everyone else off just to hear their voice more critical thinking, analytical practices. I felt motivated to Join in and address mentiona ble areas and topics of whichever book it happened to be that we talked about. Experiencing group discussions in Ms. Kelly's class has strengthened my inference in getting involved in debates and group talks with people that aren't necessarily my friends. Eve found that the best way to really interpret meaning and messages within a book is by really discussing with others.While it was uncomfortable at first, Eve learned to appreciate them. Getting to experience SUPS History has honestly changed me as a student in many ways. Eve learned so much from managing my time to the importance of criticism and book discussions. Although the year was challenging and involved much work effort, it was all worth it in the end. I feel stronger as a writer and I am grateful for critiques. Every critique Ms. Kelly has made was made with reason and aided me in my development as a writer, which can help me to continue growing as a student overall.

The Importance of Being on Time

Time is one of the utmost valuable entities that we have while we’re alive. We need time to develop our personal characteristics and talent, understanding relationships. Nothing becomes instantaneous, nor is it happenstance when it comes to understanding the importance of time.Everything in life requires time†¦from simply eating a meal to driving to a remote destination to developing a career. It is only thorough time that we are able to mature and develop wisdom through experiences we participate in as we move along our life’s journey. Time help us to set our priorities. Looking at the importance of time, we find that life is but a whisper—one day we are born, we grow up to experience an array of decision-making events (good and bad), and if we are fortunate to get to a ripe age, we leave this world—hopefully leaving a positive mark on society. In comparison to time, life goes by so fast. Time is one commodity that can be stored up and used for a lat er occasion—everyone has the exact amount of time in a day—24 hours.In fact, time is so essential that there never seems to be enough of it and we tend to believe that if we only had more time we would be able to accomplish great things, or something productive like a develop a relationship, accomplish a project or task, or even just rest for a longer period of time. On the contrary, some believe that they have too much time on their hands and have not discovered a true sense of using time wisely.While the management of time in terms of applying principles, skills tools and systems is essential from a military point of view, I’ve learned that the precision of time is extremely critical when it comes to collaborating operations in order to accomplish satisfactory results. Planning timed events not only does it save lives, but we learn to be an army in sequence and on one accord.Not only have I heard echoed as long as I can remember catch phrases like, ‘time is money’, ‘seize the moment’ or ‘time is of the essence’, but I’ve learned that the consumption of time that is wasted cannot be retrieved and that time must be appreciated. When time is not  cherished, causalities will develop in terms of seizing the perfect moment, taking advantage of the perfect scenario, or lost opportunities. Inappropriate use of time always affects others—it produces a domino effect. It’s gone forever.For centuries, time has left its mark in history and many fallen heroes have paid the ultimate sacrifice because of it. Timing has also allowed us to commemorate victory in liberating countries out of the bondage of hatred and despair.When time is taken more seriously, great accomplishments are made and outstanding memories grace the pages of history for all to know about. While none of us are perfect in any area of our lives, I’ve learned that we should get the most out of each day, and that we sho uld enjoy life to the fullest; which helps us to understand the importance of every moment. Time allows us to recognize triumph and failure†¦especially when it comes down to military strategies. Through a series of strategically planned and comprehensive precisely timed events, which included all components such as the time of day, natural elements, environmental surroundings, scheduled events, and a host of other supportive circumstances, the Allied Airborne Operations during Operation Overlord, otherwise recognized as D-Day, is noted to this day for its historical success.The landings were conducted in two phases and synchronized timing played a major role in this operation. The first landing of an airborne assault consisting of 24,000 British, American, Canadian and Free French airborne troops arrived shortly after midnight, and an amphibious landing of Allied infantry and armored military on the coast of France that started at 6:30 a.m. sharp. The surprise attack was achiev ed thanks to inclement weather and set of comprehensive deception plans implemented many months before the landings. One deception plan, Operation Bodyguard was intentionally launched to distract the German’s attention from the possibility of landings in Normandy.A key success was to convince Adolf Hitler that the landings would actually occur at another location. There were also decoy operations taking place simultaneously with the landings under the code names Operation Glimmer and Operation Taxable to distract the German forces from the real landing areas. These operations  were successful because of timing and operating as an army of one clearly defined goal. Operation Market-Garden on the other hand was considerably an unsuccessful Allied military operation, fought in the Netherlands and Germany in the Second World War.It was the largest airborne operation up to that time. While the beginning parts of the strategy plan were successful; the operation failed miserably be cause of lack of synchronized timing and delays, unforeseen circumstances and inadequate information which caused system breakdowns and total chaos near the end of the carefully strategized operation. The end resulted in severe negligence factors which left our military and allied forces trapped and vulnerable to enemy attacks, and unplanned resources had to be called in to evacuate and help support the initiative.If this operation had been successful, it would have shortened World War II by six months but instead a prolonged war became inevitable. From sunrise to sunset, timing affects everything that we do. Timing should be treated with the upmost respect; because once time is used up†¦it cannot be recovered again. Whether time is wasted, mismanaged or even used wisely, it always has a significant bearing on others. Time can either help or hinder others from their achievements and we must all learn to be considerate of using someone else’s time wisely. Each day, I have decided to be more intentional in planning, and I am not the same person I was a year ago.Within a year timespan I now value time because past experiences have taught me not to take it for granted. One thing that I have learned for sure is that everyone experiences time differently, and I have decided take a conscience approach to use my time wisely.

Human Resource Management and Organizational Behaviour Within a Multinational Leader H&M

Human resource management and organizational behaviour within a multinational leader Hennes & Mauritz is a multinational retail-clothing company operating in 38 countries and employing a total of 87,000 people. It has been founded in 1947 in Sweden and experienced a rapid growth due to international expansion since the 1960’s. H&M’s mission is at the same time one of the reason for its big and fast success; offering fashion and quality at the best price. Customer expactations are supposed to be exceeded at all times as well as customers being satisfied with the company itself. In order to achieve that H&M needs to sustain its very positive brand image and staff that is organized in the best possible way to handle those goals set. In its annual report it is stated that the company’s focus should be on commercial mindset, simplicity, constant improvement, cost consciousness and entrepreneurship. With those aspects in mind, the long term goal being „making fashion available to everyone, giving the customer a fashion experience that strengthens H&M brandâ€Å" should be reached allowing the business to further expand and to enter new markets on the basis of a 10-15% growth per year, funded internally. Over the years, the company has set a strategy which has the three main aspects of price, design and merger &acquisitions. First of all, since H&M always tries to offer their customers the lowest price possible, they need to achieve a competitive advantage to achieve low costs, and sustaining profitability at very low prices. This is achieved through keeping the number of middlemen to a minimum, benefiting of economies of scale, taking advantage of their great experience and selecting suppliers carefully and keeping distribution costs as low as possible. Designing is completly processed inh-house while all of the production is outsorced but its outcome is tested carefully on a regular basis to ensure high quality at all times. Mergers & acquistions have also been one of the company’s major strategy in the past, especially focusing on acquisitions of small design companies to enrich their product portfolio and being able to offer diversified products worldwide which is an essential part of their international expansion strategy. H&M’s corporate strategy is to expand on a continuing basis, and as a consequence, employee strength also increases continuously. For 2009, H&M’s The continous expansion means that there is also an ongoing process of recruitment within the company, as additional staff is needed with every new shop opening. Annual increase in the number of employees for the upcoming years is 5000-10,000 people from all different kinds of backgrounds, mostly recruited locally at the place of store opening. H&M puts a strong emhasis is to maintain their image of being a good employer, which will help them not only to be confronted with a higher number of applicants for job vaccancies, but also reduces staff turnover as well as it increases employee’s satisfaction towards their job and hence, productivity. This also includes making efforts that exceed national requirements of employer’s responsibilities, which are, especially in some of the recently entered asian markets, very low compared to western standards. This objective is summarized by the HR department as following: â€Å"In order to meet people’s expectations of H&M as an attractive employer, the company develops global guide lines on diversity, equal rights and against discrimination† Hennes & Mauritz wants to give every employee the feeling that they are an essential part of the business, constently offering them to develop and giving the positive signals that promotions are within the company are always ahead. The company is very open towards trade unions and is known for its good and close communication on an employee-management level. Represantitves are being elected which frequently discuss possibilities for improvement with managers, representing the employee’s opinions while at the same time managers are encouraged to actively communicate with employees of all levels as well. This creates a strong feeling of trust within the organization, which is excellent at managing diversity. At times of promotions, managers are advised first to look for the best candidate internally in order to gain advantage of the employee’s experience with the company and encouraging others to work hard and being the best andidate for future promotions. However, the companies philosophy is built among a concept which does not award employees with outstanding job titles but instead continiously increasing opportunities and responsibilities. The fast international expansion of course requires high level of training of new staff. As stated before, internal recruitment is one the main objectives, but since the number of staff is growing so fast, new employees need to be introduced to the job quickly. This process is being accelerated by on-the-job training in which new staff in new markets is invited to join a co-workers in an established market to be introduced into the philosophies, practices and day-to-day tasks. One of the main characteristics a H&M employee therefore needs to bring is a sense of entrepreneurship, good communication skills and being open to work in different environments. Once being hired by H&M, the employee is offered a huge range of benefits for which the company is well recognized for (a list of possible benefits is attached in the appendix)

Dissertation (Distance Learning Of MS Access) Essay

Dissertation (Distance Learning Of MS Access) - Essay Example Furthermore, the more technology is applied in right direction, the more distance learning will get popular. This project would be yet another step into that progress. The aim of this project is to develop a database of tutorials for the distant learners. This database tutorial is a web-based tutorial. The user of this database will be provided with the user interface in order to fetch the information through queries and add, edit or delete the tutorials. A reporting module will also be added into the database. The necessity of the vision and plan for the implementation is emphasized in the works of many authors. (Aoki & Pogroszewski, 1998; Hache, 2000; Miller, 1998; Moore, 1994, Richart, 2002; Saba, 2000) Likewise, it is also asserted by many authors like Hache (2000) that various stakeholders of the proposed online distance learning system should bear in mind that when such a system would be implemented, the organizational change is bound to happen. In such scenario the change management strategies of the project executives, project sponsors and other higher managers' change management strategies come into play. The better they are at change management, the higher would be the acceptability of such system. It is so because of the reason that the existing campus based models existing in the universities are not sufficient to accommodate the online distance learning systems. (Miller, 1998; Saba, 2000) Moreover, these models are usually meant to facilitate the on campus students. (Aoki & Po groszewski, 1998; Moore, 1994). It is therefore essential for the system analyst to not only analyze each of the portion

American History Since 1877 Essay Example | Topics and Well Written Essays - 750 words

American History Since 1877 - Essay Example However, challenges still loomed for blacks in the 1870s such as the â€Å"Ku Klux period†1. However, since the 1870s, America has undergone numerous changes to become the modern day world’s super power. This paper examines American history since 1877 to the present date. After the civil war, most of the population in America moved to the west and towards the end of the 19th century, cities begun to expand. During this period, America also witnessed growth contributed by industrial revolution thus opening up more businesses and creating the principle of laissez faire.Further, employment opportunities where created during this period and marked the introduction of wage workers. Regulations such as protective tariff were also introduced on traded commodities and to favor domestic business owners. On the other hand, the whites gained control of the South during this period and denied blacks voting rights. The barring of blacks from voting was made possible by the introduction of new laws and intimidation. Further, the relationship between the Federal government and Native America also suffered during this period where most of the Natives were forced into reservations2. In the early decades of the 20th century, saw the rejection of the principle of the laissez-faire economy emphasized in the Gilded Age. Leaders in America during this era were more progressive in terms of pressing for new changes. An example in this sense, involves pressurizing the government to regulate corporations. Consequently, the Federal government endeavored in breaking up large monopolies in the country. Progressive reformation during this period also saw the introduction of tax on the rich as a means of redistributing wealth to the disadvantaged in the society. This period further marked the transition from a republican federation of states to democracy of national citizens. However,

Managers Responsibility in Setting Tone and Expectations in Hospital Assignment

Managers Responsibility in Setting Tone and Expectations in Hospital Setting - Assignment Example The paper tells that beyond an iota of doubt, the hospital’s success depends on the level of teamwork and participation invested by various stakeholders. The manager, in consideration of the above fact, needs to awaken to his or her duty as the tone-setter for the team. Considering the team, specifically to include nurses, doctors, administrative staff, lab assistants, support staff and other workers in the hospital setting, the hospital manager has a lot to do in respect of setting expectations and the tone. The manager should realize that his/her weaknesses and faults can easily be magnified within the team. Even though the manager should lead by example, this is no guarantee that their staff will behave positively or that performance will automatically be impressive as a result. However, it must be noted that leading by example increases the chances of having positive results and encouraging positive behavior as noted by Schulz and Johnson. The manager should take time to l isten to other people’s views and abstain from being judgmental. Yet again, he/she should honor their commitments and be interested in his staff members. Furthermore, they should be flexible, calm under pressure, effective in addressing issues, and open-minded and flexible. In addition, they should be respectful to others and work toward increasing productivity and meeting deadlines. Honesty, timeliness, optimism, and integrity should be part of the manager’s delights. The manager should be result oriented, be positively interactive and value meetings and other vital events. By setting the tone in this manner, employees are bound to follow suite, in some cases with a few exceptions. Expectations that the Manager should Communicate Understanding what mangers expect from employees is vital for improved performance, good employee relations and employee success. Saville and Higgins (2010) note that without clear work expectations, employees would waste a lot of effort due to lack of or misplaced priorities, endure a lot of stress and waste a lot of time doing unnecessary chores. They also note that when the manger defines clearly job expectations and communicate this to employees, they get to understand what is expected of them. They also understand the reasons why they are doing the work as directed. Furthermore, they get to understand how work progress and realize at the right time when to ask for assistance. This also helps employees in knowing areas where they need to make improvements (Saville and Higgins, 2010). One of the expectations that a hospital manger should

Study Guide Coursework Example | Topics and Well Written Essays - 250 words

Study Guide - Coursework Example His music was mainly politically focused thus being referred to as King of Blues. I agree with Peter Wald, that Josh White had become a leading top blind blue singer in the 1920s, and the first young man to stir a competition in the race record market (Wald 75). During the period of 1920, Josh White was considered the most popular blue stars and could not even be compared to Robert Johnson. Later on in 1930s, he discovered the notorious New York public which occasionally appeared alongside his jazz band making it become popular in the folk world as many of his counterparts referred to him as Mr. Folk. Amidst, all these Josh White struggled to maintain a balance that will keep his career afloat by making a declaration that his main purpose was to unite the communist. In conclusion, Josh White’s outspoken stance on civil rights issues were greatly manifested during the folk revival. This accorded him the opportunity to be renowned as the most popular folksinger enabling him performs in such events like the Martin Luther King’s promotion at glory (Wald

Assessment of the Environmental Impact of Electric Vehicles Coursework

Assessment of the Environmental Impact of Electric Vehicles - Coursework Example Conclusion 18 References 1. Introduction Electric vehicles have become a strong trend in the global market. The benefits of electric vehicles, as analyzed above, compared to the conventional vehicles are often used as a justification for promoting the use of these vehicles worldwide. In this context, the following problem appears: which would be the impact of replacing a conventional internal combustion engine vehicle with an electric vehicle capable of similar duty? The above issue is explored in this paper. The following condition is set† the platform of the vehicle remain the same. For the needs of this paper, an electric car has been chosen as the mode of the vehicle, the use of which will be modified. While exploring this issue it has been necessary to cover a series of other topics, such as the characteristics and the differences of electric vehicles compared to the conventional vehicles. ... In any case, conventional vehicles are more likely to cause severe environmental damages, even if the last years their environmental impact has been effectively controlled (Larminie and Lowry 2003, p.258), a fact that can be used for confronting the negative criticism against the conventional vehicles. It should be noted that the replacement of a conventional vehicle with an electric vehicle is not always unavoidable, since conventional vehicles can also promote sustainability, even at lower levels than the electric vehicles. However, if other benefits are targeted, then such replacement should be based on the rules and the processes presented below. 2. The Impact of Replacing a Conventional Internal Combustion Engine Vehicle with an Electric Vehicle Capable of Similar Duty 2.1 Electric vehicles – Description and Characteristics Electric vehicles are those vehicles that are ‘propelled by one or more electric motors rather by an internal – combustion engine’ (Faiz, Weaver and Walsh 1996, p.227). This is the key difference between the electric vehicles and the conventional vehicles, which are based on an internal combustion engine (Faiz, Weaver and Walsh 1996). The range of electric vehicles can be high; there are electric autos, motorcycles, trains and so on (Faiz, Weaver and Walsh 1996). In fact, any conventional vehicle can become electric under the terms that it is appropriately transformed following a particular process (Faiz, Weaver and Walsh 1996). In practice, there are three different types of electric vehicles: a) the electric vehicles that rely on an external generation system, i.e. a generation system which is not incorporated

SE Research Paper Example | Topics and Well Written Essays - 2000 words

SE - Research Paper Example Introducing learners with disability to second language enables them to have a view of a different culture, thus provides them with a greater level of understanding of cultural experiences. This motivates their self-esteem and makes the educational life less boring. Eventually, having an understanding of an alternative language of communication enables the children to have a competitive edge when they grow up, especially in the multicultural environment where current businesses operate. Children with learning disability will also have better cognitive capacities when they are exposed to a second language (Bucholz and Sheffler 2). This means that second language students are more innovative and superior to their one-language counterparts in terms of solving complicated learning problems (Ren 33). Krasner (29) has argues that second language children perform better than monolingual children on both verbal and written tests of their intelligence quotient tests. This then implies that le arning a second language enables children with learning impairments to achieve a better intellectual flexibility (Ren 35). On the other hand, teaching a second language to children with learning disability can be disadvantageous because it results in language setbacks (Vaknin-Nusbaum, and Miller 520). Learning a second language exerts unnecessary cognitive pressure on the children who are already struggling to cope with normal lessons in their primary language. This strain negatively impacts on the children’s learning than would a normal lesson like Math. According Krasner (34), exposing children with learning impairments to a second language simultaneously with the primary language lowers the quantity of vocabulary that the children can learn within a certain period of time. For instance, if a ‘normal’ toddler’s cognitive ability can withstand learning of an estimated 20 new vocabularies in a month, when he or she is introduced to two languages at the sam e time their learning capacity might reduce by half. A child with learning disability, depending on the gravity of the condition would learn fewer words than what a ‘normal’ child can do (Woodcock and Vialle 27). Apart from fewer input and understanding of new words, children learning second language may experience delays in general learning caused by difficulty in understanding two languages, which often leads to such children being introduced to second language classes later on in life. But this does not help the matters either. Ren (40) argues that starting off language lessons for a child with learning impairment too late can impede the child’s inability to effectively understand the second language. According to Vaknin-Nusbaum and Miller (521), parts of the brain responsible for language development and memory limit one’s own understanding when new sounds are imparted in them. In light of this, children with learning impairments who are introduced to new language later on in their development will develop a weird accent, which might result in misunderstandings and hinder the use of that language in a professional career. Question # 2 Integrating children with learning disabilities into mainstream classrooms in a Jewish school In the current century, children with learning disabilities are entitled to the same treatment as their ‘

Mandatory Drug Testing Assignment Example | Topics and Well Written Essays - 1500 words - 3

Mandatory Drug Testing - Assignment Example The experience of recent years shows that drug spread causes numerous problems for present-day life penetrating into almost every sphere of human activity, starting from school and high educational establishments through job and finding its direct aftereffect in drug misuse in prisons, which in addition very often appear to be an immediate result of personal involvement into drug use or indirect distribution of different substances. One way or another, drugs as pervasive evil touches and destroys people’s life day by day endangering the prosperity of their future as minimum and their physical being and psychological health as maximum. The main reason for this lies in inappropriate control or lack of control in such an essential question as drug use by people of various occupations whether they are teachers, students, employees or inmates. In this regard, mandatory drug testing must be accepted and applied universally in the places that have displayed their engagement into drug consumption. There is a strong belief that any kind of tests related to questions of drug use and applied for clarifying of a situation within the issue may be extremely stressful for persons under test. Moreover, they are able to have a negative impact on the reputation of such persons. As a matter of fact, there are particular disadvantages of mandatory drug testing, which can be found in errors and faults of the procedure itself. The question is that any tests and researches are supposed to have some drawbacks, this is the fact. Still, except people’s intentional misrepresentation of absolute data in the matter of drug use or misuse, there even cannot be evident large errors of mechanic origin, since modern equipment is engineered according to the latest scientific discoveries. This is the particular slightness of the opinion.  

Site Visit Essay Example for Free

Site Visit Essay Human Services is a broad field for workers who assist individuals with various types of issues or problems; whether the assistance is housing, mental health, vocational, or elderly services. These workers are housed throughout many organizations and agencies that have department in which they cater to specific needs. Some organizations have departments and programs that specialize in behavioral and cognitive–behavioral techniques to further address behavioral issues or problems. The Children’s Village (CV) is a non-profit human service organization and their mission is to work in partnership with families to help society’s most vulnerable children so that they become educationally proficient, economically productive, and socially responsible members of their communities (The Children’s Village, 2013. ) The type of families CV caters to are foster care and adoption and therapeutic children. In locating this organization online, I spoke with one on the Masters Social Workers (MSW), Benia E. Thomas who further explained the type of behavioral or cognitive-behavioral therapy they provide for the clients served. The Children’s Village employs group behavioral therapy geared toward behavioral modification to adolescents ages 11-21. The types of behaviors the children display are Attention Deficit Hyperactivity Disorder (ADHD), Obsessive Compulsive Disorder (OCD), and other conduct disorders. According to Understanding ADHD (2013), â€Å"ADHD is one of the most common childhood psychiatric conditions, affecting 9.5% of school-aged children in the United States.† ADHD is a psychiatric disorder as OCD is another disorder affecting children and promoting disruptive behaviors. According to Internal OCD Foundation (2012), â€Å"Obsessive Compulsive Disorder (OCD) is a disorder of the brain and behavior. OCD causes severe anxiety in those affected. OCD involves both obsessions and compulsions (para. 1.) The techniques CV employs at their organization helps change these potentially self-destructing behaviors such as ADHD and OCD. Behavioral therapy is also called behavioral modification or cognitive behavioral therapy. Medical professionals use this type of therapy to replace bad habits with good ones. The therapy also helps you cope with difficult situations (Healthline, 2013.) This type of treatment is used on the children who have faced difficult times within the home with their biological parents and assists them with any behaviors stemmed from removal from one home to the next. In cases like these children can become very angry, blame themselves, academically failing, and act out differently for attention. Foster children often face multiple adversities putting them at risk for problems in social, emotional, and behavioral adjustment. Some of the risks are experienced prior to placement into foster or adoptive care, such as drug exposure, maltreatment, and institutional care (Adoption and Foster Placement, 2008.) In discussing the population this program participates in, the effectiveness of the interventions is measured by the team of therapeutic social workers at CV. Therapy techniques and approaches must be effective so the children can live normal lives in the community and when placed in other homes. The types of interventions used on the clients at CV are used by a number of therapeutic social workers who work hard at achieving long-term goals for the children. For example, if a child displays disruptive behavior in school and is acting in an aggressive manner at his or her home several techniques and interventions are used to eliminate or calm the situation to a minimal. Techniques such as: homework charts, behavior charts, listening, communication, and documentation of the behaviors are implemented by the social worker or therapist to further allow the child to discuss what is bothering him or her (Benia E. Thomas, personal communication, September 27, 2013.) The most effective technique used by the social workers at CV is the behavioral modification chart. According to Bach, PhD and McCraken, PhD, LCSW (n.d) â€Å"Behavioral treatment is concerned with the analysis and change of behaviors. Thorough assessment is an integral part of any behavioral intervention or behavioral assessment.† Examples of behavior modification that can be used to increase positive behaviors are praise and approval, positive reinforcement, awards, and self -monitoring. The technique used in the behavioral therapy seems to work for some of the children, as they display change when they come in for therapy sessions with the social workers. At this current time the CV only uses behavioral therapy as a technique to assist with cognitive behaviors. Children’s Village is a non-profit organization that has not received the adequate funding to support other programs that would be suitable for the organization at this time, but it is something the organization is interested in later on once funded. Although there are not any plans for other programs, play therapy is used for children (ages 2-10). According to Association For Play Therapy (2013), â€Å"Play therapy refers to a large number of treatment methods, all applying the therapeutic benefits of play. Play therapy differs from regular play in that the therapist helps children to address and resolve their own problems† (para. What is play therapy?.) This type of therapy helps the children act of scenarios with playing and using objects such as dolls and coloring to further explain behaviors. The other models and techniques used at Children’s Village are Functional Family Therapy/Child Welfare (FCT-CW) and Multisystemic Therapy (MST). FFT-CW is a family-based prevention program that helps families make positive changes to their households and MST is an evidence-based program that helps families manage out of control children (Preventative Services, 2013). These two types of models are used in CV to better assist the children and the foster parents who require support from the organization. MST and FCT-CW is form of support that the organization implements to their children and foster parents to ensure safety and structure. In conclusion, the Children’s Village is a foster care and adoption agency that employs behavioral therapy to the children they place in homes. The children are 11-21 and have disorders such as ADHD and OCD among other behavior dysfunctions. These techniques used assist the children with the various behaviors they display as a result of removal from biological families and placement into homes of strangers. When the children display these cognitive behaviors in school or the community behavioral modification charts are used to keep track of the behaviors and monitor improvement. When improvement is noticed the social workers reward the children with movie tickets or other praises they find effective for each individual child. Each behavior is treated differently and addresses in a manner where different techniques are used as well. Children’s Village would like to expand their cognitive behavioral depart, but because of funding they are limited. This agency has displayed the use of the methods and techniques used to change behaviors References Adoption and Foster Placement. (2008). Encyclopedia of Infant and Early Childhood Development, 25-31. Retrieved from http://www.sciencedirect.com.ezproxy.apollolibrary.com/science/article/pii/B9780123708779000025 Association for Play Therapy. (2013). Retrieved from http://www.a4pt.org/ps.index.cfm?ID=1653 Bach, PhD, P., McCraken, PhD, LCSW, S. G. (n.d). Best Practice Guidelines for Behavioral Interventions. Behavioral Health Recovery Management Project. Healthline. (2013). Retrieved from http://www.healthline.com/health/behavioral-therapy Preventative services. (2013). Retrieved from http://childrensvillage.org/nyc-based-programs/preventive-services/ The Childrens Village. (2013). Retrieved from http://childrensvillage.org/about/mission/ Understanding ADHD. (2013). Retrieved from http://www.intuniv.com/attention-deficit-hyperactivity disorder/?utm_source=googleutm_medium=cpcutm_term=adhdutm_campaign=condition

W.S. Merwins translation of poem Essay Example for Free

W.S. Merwins translation of poem Essay As I read W.S. Merwins translation of this poem, I feel a sense that the poet was trying to articulate the harmony which exists between humanity and nature. The initial lines of the poem: Into my head rose/the nothings/ my life day after day (Merwin) seemed to indicate a state of disharmony, sadness and banality. The reader immediately wonders: what might be the cause of the poets malaise. Rather than immediately show or evoke the source of sadness and disharmony in the poem, the next lines reveal the antidote to this feeling, which is expressed in motion: but I am leaving the shore/in my skin boat (Merwin) which sets up a metaphor of the body-as-voyage. This feeling moves toward at least a partial explanation,explication of the poets source of malaise and sadness: the world itself, but particularly the world of human ambition and human affairs: and the ache/ that comes from the things/I have to do every day (Merwin) This realization on the part of the poet which is expressed obliquely to the reader allows the second half of the poem to function as a response to or answer to the poets malaise and sadness. By separating the poem into a call and response format, it is easier for the reader to sense the movement of the poem from a state of emotional disharmony to a state of reprieve or even illumination. The most profound aspect of the   call and response motif is that it actually unifies dual idea of the poet speaking to nature or inquiring into it for a panacea against malaise and angst and the poet inquiring into himself for an answer to his emotional distress. By unifying these concepts, the poet expresses that nature and the human soul are actually one.   The concluding lines bring a simultaneous experience of going back to nature and of being reborn. By juxtaposing the idea of introspection with a journey into nature, the poet is able to bring the reader through an emotional arc which begins with feelings of oppression and melancholy and transforms through a vision of a nature and the soul as one, into an image of rebirth which more than adequately disperses the melancholic feelings expressed by the poet and brought to climax in the reader, making a dramatic emotional and psychological reversal from sadness to joy.

The Use Of Market Research Marketing Essay

The Use Of Market Research Marketing Essay Introduction The use of market research is essential to marketers as it is a descriptive and diagnostic tool that allows marketers to understand the complexities of the market. It forms a very important component of market strategy and solving specific market problems. The use of both quantitative and qualitative research methods results in decisions that can take the form of marketing plans and strategies. These results ultimately influence the outcomes of strategic marketing decisions and outcomes that match the marketing goals. The application of these two research methods have different uses as quantitative research methods focuses on statistical data and in which surveys and questionnaires are commonly used. Qualitative research methods focus on the reasons behind behaviours such as why and look to target the attitudes and emotions behind the behaviours that quantitative research often shows ,with focus groups and interviews often being used. The results from these methods are often linked t o the practical use of research methods as results can vary depending on the size, quality, type of method and the skill of the practitioner. The roles of these two research methods and their practical application in finding valid results in market research will be supported below through journal articles and references, which will further show the importance that the effective use of market research methods in various situations is essential in finding valid results that are fundamentally important to marketers today. Overview of research methods and their uses Traditional methods of market research often focused on quantitative results and practices, which although were adequate in finding valid research results, could not adapt well to the changing market and business environments during the 1950s and 60s and in turbulent market situations at the time. It was clear that research methods needed to be improved and as noted in Wilson (1952), The application of qualitative methods would allow a more informed opinion to be gathered on the market, which would be well suited to the changing market situations at the time. Despite the value that qualitative research can bring, there is still a general trend in the dominance of Quantitative methods used by marketers and even in academia where qualitative methods are seen by some with ambivalence and a field with which successful people do not want to be associated with. Ruyter Scholl (1998). Due to this prevailing dominance among marketers, most market research carried out by contemporary organisa tions usually is a triangulation or combination of primarily quantitative techniques with some secondary qualitative methods to complement the research results. Ruyter Scholl (1998). Qualitative methods are best used when conducting exploratory research, when businesses need to understand the behaviour of consumers and formulate ideas and theories as to why consumers think in particular ways. To substantiate qualitative results, Quantitative techniques are used to provide hard evidence behind these ideas and theories and to represent numerically and statistically the resulting research outcomes. Not all marketers however triangulate these techniques and most will only use a methodology which is most appropriate in solving the research problem. Effectiveness in finding valid research results While both these methods have uses in finding valid research results, the variation in defining the research problems throughout various organisations means that the most appropriate methodology and research design should be used to ensure valid results , rather than results that would lack meaning through a bias in using a particular research method. As pointed out in Seymour (1989) , research techniques and their thoughtful application can be the vehicle by which we progress to wisdom. That is, the real worth of a technique is embedded in its ability to produce useful information (i.e., wisdom) in response to a specific problem. Seymour (1989). To ensure that results from market research is valid , a triangulation of methods and techniques should be considered and applied to the research of relevant markets and situations which would ensure results that are both valid, and paint a clear picture of the market environment. This triangulation of methods successful use in finding valid results is seen in Kitchell (1995) where the study conducted attempted to find the links between the importance of a strong corporate culture and the adoption of new technology in conjunction with the issues faced with maintaining a competitive position. This was undertaken with both quantitative and qualitative research techniques. Both methods results were broadly consistent with each other in finding that fostering a stronger corporate culture allowed a more stable innovation and technology adoption which led to long term survival and adaption in market environments. This study has shown insights into how both qualitative and quantitative data can mutually enrich each other in market research as this triangulation of methods allowed valid research outcomes that would not have been seen if only one research method was primarily utilized. The results seen in this study correlate with those undertaken by Deshpande (1983) which explains that more valid results can be seen in market research with a combination of aspects between quantitative and qualitative methodologies. While using a triangulation of methods, the weaknesses and strengths of each technique would be compensated by the strengths of the other method. Deshpande (1983). Although using a triangulation of methods can typically produce valid and meaningful research results, extensive use of these techniques can be limited to firms with considerable budgets than most. To ensure effective results, defining the research problem and identifying the circumstances to which further research is needed is just as important as choosing the most effective methods suited towards the market environment. Outlined in Goodman (1995), the use of Qualitative techniques can be well suited to theory construction and exploratory market research, which can be seen in his subsequent study of small businesses in a changing market environment. In a study of three small businesses facing changing market conditions and extreme price erosion, qualitative research techniques were largely employed to determine achievable market strategies. It found that the exploratory nature of their research conducted through focus groups and depth interviews, allowed them to anticipate changes in customer-value perceptions and benchmark themselves against competitors. This successful use of qualitative techniques in this study shows that this methodological approach was particularly well suited towards finding and generating theories in a changing market environment, which was noted above in early qualitative research literature in Wilson (1952). In finding valid results through various methods, it is clear that marketers must not confine themselves through techniques that are only partially appropriate in solving the research problem. The studies noted above successfully found valid results as a result of their methodologies being used effectively due to the nature of the research problem and their applicability in these situations. However as noted in Cahill (1996) , both qualitative and quantitative methods do not have universal applicability and as such, either method might not be suitable for a variety of situations. This means that marketers who entirely use methods of theory verification (quantitative methods) almost exclusively in situations where theory discovery (qualitative methods) was more appropriate, Deshpande(1983), are limiting the validity and reliability of their results by not applying the most appropriate method in solving the research problem .An effective use of market research techniques would be by triangulating aspects of research methodologies and also the choice of a specific technique on whether a quantitative or qualitative method should be decided by the nature of the management and research problems. Seymour (1989).This would eventuate in valid and meaningful results that serve to help the marketer understand the needs of the consumer and market. Limitations of Research methods While both quantitative and qualitative methods have their established uses among marketers, the limitations of each method in finding valid results can be reflected in the essence of these methods. As the quantitative paradigm is firmly placed within the scientific model, the resulting research outcomes are limited to numerical data that can be quantified and summarized into objective hard data. Results gathered by this particular method emphasise reliability and validity, which makes this a dominant method that marketers commonly use throughout the research process. Because of these factors that make up the essence of quantitative research, the use of this method in finding valid research results is limited to validating established theories and the relationships between variables, but also can substantiate qualitative results through a triangulated methodology. Results accumulated from quantitative research are not suited towards theory generation and gaining insight and as such, marketers solely employing this method will miss out on the value that qualitative methods can bring. However, when involved in research that does not need as much insights or deeper data into defining the research problem, quantitative methods can be effective in analysing large amounts of data as outlined in Montgomery (2001). A successful application of quantitative methods was seen when solving internet marketing problems outlined in this study; however the skill of the practitioner in conducting the research was commonly cited as the factor that allowed valid research outcomes. While this study demonstrated a successful primary use of quantitative methods, the limitations of using qualitative methods in defining the same research problem would not be practical as analysing large swathes of data is not an effective use of qualitative methods. This contrast between both quantitative and qualitative methods, reflect the limitations of solely using one of these methods as the natur e of the results produced from each will be fundamentally different. As discussed in Johansson Nonaka(1987), many Japanese market researchers during the 1980s much preferred research that was hands-on and interactive with consumers , and favoured qualitative data which allowed them to gain a distinctive feel for the market. While these qualitative methods lacked the scientific precision of quantitative methods, Japanese firms still had an unequivocal advantage over western based firms as their exclusively qualitative and hands-on methods allowed them to understand consumer behaviour to the point where they were outstripping rival western based firms. However like most western firms looking to increasingly adopt qualitative methods into their research, the Japanese firms are realising that in order to diversify their product ranges in the market they will need to use quantitative methods to ensure entries into newer markets. Johansson Nonaka (1987). This focus on one methodological approach by the Japanese firms, coupled with their extreme focus on their existing products, can represent limitations into finding valid results as their narrow approach would disallow much confirming or validation of theories attained from their qualitative research, especially when entering new markets. Despite these limitations, it can be argued that the Japanese approach to market research allowed them to understand consumer behaviour in such a way that they were able to achieve valid research results even more reliable than western based quantitative methodologies. The limitations of both methods in finding valid results for marketers, has clearly shown that to overcome the relative weaknesses inherent in each method, an effective use of triangulated research methodologies is essential to finding valid research results. Conclusions As evidenced above, valid results in marketing are commonly seen with a triangulation of methodologies and techniques which pertain to the nature of the research problem. The limitations of both quantitative and qualitative methodologies can be compensated by using a triangulated research process, in which the weakness that is evident in each method will be overcome by the strengths of a triangulated methodology. However, marketers dominant use of quantitative methods in their research to which can be only partially appropriate in solving a research problem, serve to limit the reliability for research results that could otherwise be improved through a triangulated methodology. Likewise, it can be said that the dominant use of qualitative methods by Japanese firms could be further enhanced by the integration of quantitative methods into their research which serves to ease the entry into newer markets. The market environment and the nature of the research problem can also affect resear ch outcomes as the method employed can only be somewhat applicable to the nature of the research problem, in which inadequate results may be seen. Furthermore, it is evident that to ensure valid results in market research, it is recommended that a triangulation of methods be used in the most applicable nature of the research problem and environment.

Herpes-simplex: Type 2 :: essays research papers fc

Herpes-Simplex: Type 2 Herpes is a name that is used to describe several types of skin eruptions that are characterized by formation of blisters. The term embraces primarily two distinct disorders, herpes simplex and herpes zoster, both caused by viruses. Together, these "herpes" viruses are estimated to cause more human illnesses than any other group of viruses. Two types of herpes simplex are known. The first causes cold sores or fever blisters, which is an eruption of blisters that often occurs during the course of or after one of a variety of diseases that eventually cause fever (most commonly average colds, the flu, and pneumonia). The blisters usually appear around the mouth and on the lips (herpes labialis), about the nose, face, and ears, and in the mouth and pharynx. The causative virus has been shown to be present in the cell bodies of the facial nerve in persons who do not have blisters. It is this reservoir of latent virus that is the source of repeated attacks. Except for lotions to relieve pain, itching, or inflammation, no established treatmemt has actually been developed. The second type of the herpes simplex virus, however, is the usual cause of genital herpes. Herpes infections of the genital area have become increasingly common, going along with a rise in general of many sexually transmitted diseases. Sometimes accompanied by headache and fever, the condition usually begins with a mild itching, followed by the development of clusters of blisters that break and crust to form scabs that eventually dry up. The process may last one to three weeks. In many cases new clusters of blisters appear as others heal. When a baby is born to a woman who has active genital herpes lesions, the infant is at high risk of contracting an infection that is often fatal, so these women usually have their babies delivered by a cesarian section. Primary cases of genital herpes can be treated by a drug called acyclovir, which was approved in 1982 and in another form, that is to be taken orally rather than used in an ointment form, in 1984. It also has been proving useful against recurrent attacks. The virus can also invade the central nervous system, or CNS, especially in people who are weakened by other diseases, such as cancer, causing a severe case of encephalitis.

A Raisin in the Sun Essay: Importance of Deferred Dreams

Importance of Deferred Dreams in A Raisin in the Sun      Ã‚   A dream is a hope, a wish, and an aspiration. Young people have dreams about what they want to be when they grow up. Parents have dreams for their children's future. Not all of these dreams come true at the desired moment - these dreams are postponed or "deferred". A deferred dream is put on the "back burner of life"(Jemie 219), and it matures to its full potential, and is waiting when you are "ready to pursue it"(Jemie 219). It is assumed that the deferred event, though later than hoped for, will eventually come true.    Deferred dreams are a significant component of "A Raisin in the Sun"; the word "dream" is used a total of fourteen times throughout the play. Mama, from "A Raisin in the Sun", experienced a "dream deferred" (Hughes). Mamas dreams were for the happiness of her children, and a new house. She and her husband Big Walter put everything they had into getting that house "with a little garden in the back" (Hansberry). When she gets the insurance payment after her husbands death and puts money down on a house in Clybourne Park, she is ecstatic. The dream was deferred many times. She and Big Walter simply didn't have the money to purchase a house and move out of the apartment. "I s... ...ill likely come true.    Works Cited: Hansberry, Lorraine.   A Raisin in the Sun.   New York:   Signet, 1988. Hughes, Langston. "Dream Deferred." Perrine's Literature: Structure, Sound, and Sense. Ed. Thomas R. Arp. Ft. Worth: HBJ, 1998. 637. Jemie, Onwuchekwa. "Langston Hughes." CLC. Vol. 35. Ed. Daniel G. Marowski. Detroit: Gale, 1985. 219-220. King, Martin Luther, Jr. "A Testament of Hope: The Essential Writings and Speeches of Martin Luther King, Jr., ed. James M. Washington. San Francisco: Harper, 1986. Wintz, Gary D. "Langston Hughes." CLC. Vol. 10. Ed. Dedria Bryfonski. Detroit: Gale, 1979. 279-280.

Negative Effects of High Fructose Corn Syrup on the Human Body Essay

The Negative Effects of High Fructose Corn Syrup on the Human Body Excluding Obesity, Diabetes and Kidney Failure Abstract: This research paper investigates the effects of high fructose corn syrup on the body without discussing obesity and diabetes. While obesity and diabetes are two major consequences of an unhealthy consumption of high fructose corn syrup, they tell only a fraction of the story. Many of the lesser-known effects of high fructose corn syrup are the result of a trickle down effect. When high fructose corn syrup changes the balance of nutrients, it also can lead problems with vitamin and mineral deficiency. The most noticeable effects of high fructose corn syrup include problems with the liver disease, heart failure, minerals, osteoporosis, micronutrients, accelerated aging, and copper deficiency. One of the organs that is most affected by high fructose corn syrup is the liver. High fructose corn syrup is composed of 55 percent fructose and 45 percent glucose. This differs from table sugar which is 50 percent fructose and 50 percent glucose. Researchers have found that high fructose has the same effect on the liver as non-alcoholic fatty liver disease. As fructose is absorbed by the second part of the small intestine, the jejunum, the liver has the task of converting the fructose to triglycerides which is easier than converting glucose into triglycerides. Elevated levels of triglycerides lead to an increased risk of heart disease. A study conducted by the University of Minnesota published by the American Journal of Clinical Nutrition in 2000 concluded that "men, but not in women, fructose â€Å"yielded significantly higher blood levels" than did glucose. The researchers found that "diets high in added fructose may b... ...06, from Osteoporosis: A debilitating disease that can be prevented and treated. Web site: http://www.nof.org/osteoporosis/index.htm (2006, July 30). American Heart Association. Retrieved July 30, 2006, from Understanding Heart Failure Web site: http://www.americanheart.org/presenter.jhtml?identifier=1593 Beyer , PL, Caviar, EM, & McCallum, RW Fructose intake at current levels in the United States may cause gastrointestinal distress in normal adults. PubMed, Retrieved July 23, Retrieve&dopt=AbstractPlus&list_uids=16183355&query_hl=2&itool=pubmed_docsum. Sanda, Bill (2004, February 19). The Double Danger of High fructose Corn Syrup. Retrieved July 24, 2006, from The Double Danger of High Fructose Corn Syrup Web site: http://www.westonaprice.org/modernfood/highfructose.html Squires, Sally Sweet but Not So Innocent. (2003, March 11). The Washington Post, p. HE01.

Wage vs Salary

Introduction: Wage and salary are the two important elements for designing compensation package for any organization. Often, we mistake considering the wage and salary as synonymous. But there are some substantial differences between them. In order to get higher productivity, it is much more important to know the different between wage and salary. Before comparison, try to penetrate the insights of them. Wage: Wages are generally paid per hour. This means that you have to be present and working in order to get paid. Most of the time, wage jobs are not as inclusive when it comes to things like paid vacations, or paid sick days. Wage earners often have to give up pay for leaving early, coming in late, missing a day, or taking a vacation. Historically, we often refer to manual labor jobs as wage jobs, and positions. Wage earners are more likely to be found in positions with high turnover, while salaries are often assigned for positions with low turnover Wages are more likely to be added up into additional payments. If you work 50 hours in one week, you may receive your first 40 hours at the regular pay rate, and the additional 10 hours at 1 Â ½ times your normal pay rate. Depending on the structure and traditions of different economies around the world, wage rates are either the product of market forces (supply and demand), as is common in the United States, or wage rates may be influenced by other factors such as tradition, social structure and seniority, as in Japan. Salary: A salary is an amount paid for a particular job, regardless of hours worked, in a package payment system. Salary refers to how much you get paid every year. Salary earners rarely have to punch a time clock, or keep an accurate account of their hours, because they get paid for performance rather than by the hour. Salaried workers are much more likely to have paid sick days and paid vacations, and are not docked pay for being late or leaving early from time to time. Salary can also be counted in terms other than money. Some companies consider reimbursement for things like medical insurance as part of your salary. You can even find some companies blending education and retirement contributions as part of your salary package. Professional jobs are salaried jobs and it has low turnover compare to wage jobs. It might include a base salary, pension, fringe benefit, bonuses, stock options and so on.

Corporation and all other organizational forms Essay

1-1. What is the most important difference between a corporation and all other organizational forms? Owners of a corporation are not liable for obligations the corporation enters into because a corporation is defined as a legal entity separate from its owners. 1-2. What does the phrase limited liability mean in a corporate context? Limited liability means that owners/investors are solely liable for the amounts they invested in the company; and owners/investors are not responsible for any debts, delinquent funds, or collections incurred by the company. 1-3. Which organizational forms give their owners limited liability? Corporations give owners limited liability and limited partnerships give limited liability to the limited partners, not the general partners. 1-4. What are the main advantages and disadvantages of organizing a firm as a corporation? The main advantages of an organization are they offer limited liability to the owners, greater liquidity and life span due to an unlimited number of potential owners investing funds into the firm. The main disadvantages of an organization are their double taxation of profits/dividends and the separation between ownership and control of the firm. 1-5. Explain the difference between an S corporation and a C corporation. The difference between a C corporation and S corporation is a C corporation pays corporate income taxes on profits and then the profits are distributed to the owners, whom are responsible for paying income taxes on these earnings. S corporations do not pay corporate taxes on profits, but they pass the entire tax liability onto the owners. The owners of an S corporation are limited to no more than 100 U.S. citizens. 1-6. You are a shareholder in a C corporation. The corporation earns $2 per  share before taxes. Once it has paid taxes it will distribute the rest of its earnings to you as a dividend. The corporate tax rate is 40% and the personal tax rate on (both dividend and non-dividend) income is 30%. How much is left for you after all taxes are paid? Dividend available after corporate taxes: $2 x (1-0.4) = $1.20 Dividend available after personal taxes: $1.20 x (1-0.3) = $0.84 After taxes are paid, a dividend of $0.84 per share is available for distribution. 1-7. Repeat Problem 6 assuming the corporation is an S corporation. Dividend available after corporate taxes: $2, S corporations are not subject to corporate taxes. Dividend available after personal taxes: $2 x (1-0.3) = $1.40 After taxes are paid, a dividend of $1.40 per share is available for distribution. 2.8 In early 2009, General Electric (GE) had a book value of equity of $105 billion, 10.5 billion shares outstanding, and a market price of $10.80 per share. GE also had cash of $48 billion, and total debt of $524 billion. Three years later, in early 2012, GE had a book value of equity of $116 billion, 10.6 billion shares outstanding with a market price of $17 per share, cash of $84 billion, and total debt of $410 billion. Over this period, what was the change in GE’s: a. market capitalization? Market Value of Equity = Shares outstanding Ãâ€" Market price per share 2009: 10.5 billion shares x $10.80 per share = $113.4 billion 2012: 10.6 billion shares x $17 per share = $180.2 billion The change in market capitalization between 2009 and 2012 is: $180.2 billion – $113.4 billion = $66.8 billion. b. market-to-book ratio? 2009: $113.4 / $105 = 1.08 2012: $180.2/ $116 = 1.55 The change in market-to-book ratio between 2009 and 2012 is: 1.55 – 1.08 = 0.47 c. enterprise value? Enterprise Value = Market Value of Equity + Debt − Cash 2009: $113.4 + 524 – 48 = $589.4 billion 2012: $180.2 + 410 – 84 = $506.2 billion The change in enterprise value between 2009 and 2012 is: $506.2 billion – $589.4 billion = -$83.2 billion 2-11. Suppose that in 2013, Global launches  an aggressive marketing campaign that boosts sales by 15%. However, their operating margin falls from 5.57% to 4.50%. Suppose that they have no other income, interest expenses are unchanged, and taxes are the same percentage of pretax income as in 2012. a. What is Global’s EBIT in 2013? 2013 Revenues: $186.7 million x 1.15 = $214.705 million EBIT = $214.705 million x 0.045 = $9.66 million b. What is Global’s net income in 2013? Net income = EBIT – Interest Expenses – Taxes 2013 Net income: ($9.66 million – $7.7 million) x (1-0.26) = $1.45 million c. If Global’s P/E ratio and number of shares outstanding remains unchanged, what is Global’s share price in 2013? 2013 P/E ratio: 2012 share price/earnings per share = $14/$0.556 = 25.17 2013 EPS: 2013 Net income/shares outstanding = $1.45 million/3.6 million shares = $0.403 2013 Share price = 25.17 x $0.403 = $10.14 per share 2-24. Suppose your firm receives a $5 million order on the last day of the year. You fill the order with $2 million worth of inventory. The customer picks up the entire order the same day and pays $1 million upfront in cash; you also issue a bill for the customer to pay the remaining balance of $4 million in 30 days. Suppose your firm’s tax rate is 0% (i.e., ignore taxes). Determine the consequences of this transaction for each of the following: a. Revenues = Increase by $5 million b. Earnings = Increase by $ 3 million c. Receivables = Increase by 4 million d. Inventory = Decrease by $2 million e. Cash = Increase by $1 million ($3 million earnings + $2 million inventory – $4 million receivables)

Chem Lab Mixtures Essay

In this lab, a mixture of naphthalene (C10H8), common table salt (NaCl), and sea sand (SiO2) will be separated using the separation techniques in order to demonstrate the properties of mixtures and their ability to be separated by physical means. INTRODUCTION: This lab was based on the separation of the components of a mixture. A mixture can be defined as a physical combination of two or more pure substances. Separation techniques are used to separate components that are not chemically combined. All of these techniques involve changes in the physical state of a chemical compound rather than chemical changes. The three objectives in this lab were 1. Learn the different separation techniques which include; sublimation, extraction, decantation, filtration and evaporation. 2. Separate three components in a mixture using the separation techniques learned. 3. Determine the mass percentages of each of the three components present in a mixture. The 5 separation techniques are†¦Ã¢â‚¬ ¦ 1) Sublimation: involves the heating of a solid that passes directly from the solid phase into the gaseous phase. The reverse process where a gas goes into the solid phase is called deposition or condensation. 2) Extraction: involves using a solvent that selectively dissolve one or more components from a solid mixture. 3) Decantation: involves the separation of a liquid from insoluble solid sediment by carefully pouring the liquid from the solid without disturbing the solid. 4) Filtration: involves separating a solid from a liquid through the use of a porous material such as filter paper. The porous material allows the liquid to pass through it but not the solid. 5) Evaporation: involves the process of heating a mixture in order to separate a volatile liquid in the form of a vapor, while the remaining component dry. The mixtures that will be separated are naphthalene, common table salt, and sea sand. The separation of this mixture involves three steps which are heating the mixture to sublime the naphthalene, then dissolving the table salt with water to extract and evaporating water to recover dry NaCl and sand. To determine the percentage of each component in the mixture, this formula can be used. % component= grams of component isolated grams of initial sample PROCEDURE: A. Preliminary Steps 1. Obtain a clean, dry 150-mL beaker and weigh it to the nearest .001g. 2. Obtain a sample of the mixture from your instructor and carefully transfer 2g of the mixture into the beaker. 3. Record the weight of the beaker with the mixture inside to nearest .001g and calculate the exact weight of the mixture by subtraction. B. Sublimation of Naphthalene 1. Set up and do the sublimation in the hood. 2. Place an evaporating dish with some ice on top of the beaker containing the mixture and place the beaker on a wire gauze with an iron ring and ring stand assembly. 3. Carefully heat the beaker with a Bunsen burner until vapors appear in the beaker. A solid should collect on the underside of the evaporating dish. Continue heating for 10 minutes. 4. After 10 minutes, remove the Bunsen burner from under the beaker and then remove the evaporating disk from the beaker and collect the solid by scrapping it off the dish with a spatula onto a weighing paper. 5. Stir the contents of the beaker with a glass rod. Return the evaporating disk to the beaker and apply the heat again. Continue heating and scraping off solid until no more solid collects. 6. Weigh all the naphthalene collected and record it on the Report sheet to the nearest .001g. 7. Allow the beaker to cool and then weigh the beaker with the contained solid. Record the weight of the naphthalene sublimed by subtracting the weight of the beaker with remaining solid after sublimation from the weight of beaker 1 with original mixture. C. Separation of the Water Insoluble Solid 1. Add 25mL of distilled water to the solid in the beaker. Heat gently and stir continuously for 5 min. 2. Weigh a second clean, dry 150-mL beaker with 2 or 3 boiling stones to nearest .001g and record its mass onto the data sheet. 3. Assemble the apparatus for gravity filtration as shown in Figure 3.4 4. Fold a piece of filter paper according to the technique in Figure 3.5. 5. Wet the filter paper with water and adjust the paper so that it lies flat on the glass of the funnel. 6. Position beaker 2 under the funnel and pour the mixture through the filter, first decanting most of the liquid into beaker 2 and then transferring the wet solid into the funnel. Collect all the liquid in beaker 2. 7. Rinse beaker 1 with 5-10-mL of water, pour over the residue in the funnel and add the liquid to the filtrate. *Repeat this step once more. 8. Place beaker 2 on the wire gauze with an iron ring and ring stand and heat using the Bunsen burner. As the volume of liquid is reduced, sodium chloride will appear. When the liquid is fully evaporated, allow the beaker to cool d own. 9. Weigh the beaker, stones, and the solid residue to the nearest .001g. Calculate the weight of the recovered NaCl by subtraction. D. Drying the Sea Sand 1. Weigh a third dry 150-mL beaker and transfer the sand from the filter paper to beaker 3. 2. Place beaker 3 with the sea sand on the wire gauze with an iron ring and ring stand and heat the sand to dryness. When dried, the sand should be freely flowing. 3. Allow the sand to cool to room temperature. 4. Weigh the beaker and the sand to the nearest .001g. 5. Calculate the weight of the recovered sand by subtraction. Results and Discussions: In this lab certain separation techniques were used and learned. When measuring the different amounts of the three components of the mixture, all measurements were based on significant figures. Thus, each certain digit plus one uncertain digit was included in all measurements. First, the sublimation of naphthalene was done by heating the mixture. The original weight of the naphthalene collected was .070g and after sublimation the weight of naphthalene was .095g. Next, extraction was observed in separation of the water insoluble solid. The NaCl was separated from the SiO2 because of the solubility of NaCl in water and the insolubility of SiO2 in water. Solubility is the ability of a substance to dissolve when in the presence of a certain solvent. The NaCl was said to dissolve leaving only the insoluble sea sand in the beaker with the water. Filtration was also observed in this experiment when the piece of filter paper was wetted and used for gravity filtration. The NaCl dissolved in the water, and by decantation, the process of separating a liquid from a solid by gently pouring the liquid from the solid so as not to disturb the solid, the NaCl solution was separated from the SiO2. Heating can cause substances to evaporate, which represents a change in state, so the water was evaporated from the NaCl, which left behind the solid NaCl. The amount of NaCl in the experiment was measured to be 0.822g, but the origi nal sample with the weight of the beaker included actually weighed 65.001g. Then, the remaining component of the mixture, SiO2, was measured to be .927g once it had dried out. Originally the weight of the beaker and SiO2 was 67.078g. The comparison between the measured masses of the three different substances in the mixture and the actual masses of the components proved that the substances of mixtures are able to separated, yet still retain their chemical and physical properties. After the components of the original sample were successfully separated, their weights were added together. The measured total weight of the three separate components of the recovered solids was 1.844g. The percentage yield and percentage of all the substances was found. The percent yield was found by dividing the mass of the recovered solids by the mass of the mixture, then multiplying the answer by 100. The percentage yield for this experiment was 88.314%. The makeup of that 88.314% is divided between naphthalene at 4.550%, NaCl at 39.368%, and sea sand at 44.397%. Sources of Error: Ideally, the total percentage should have been 100%, because substances are neither created nor destroyed during these physical separation methods but due to minor errors such as incorrect measurements, could have caused this slight deviation from the actual total. One possible lab error that may have affected this outcome is that some amount of naphthalene may have been lost to the air, thus resulting in a lower calculated mass. or because there was not enough ice on top. It can also be possible that accurate weighting measurements of the mixtures were not taken. Sample Calculations Weight of naphthalene after sublimation =(weight of beaker 1 and mixture) – ( weight of beaker 1 and solid after sublimation) (68.239)-(68.144)= .095g Percentage yield= (grams of solid recovered/grams of initial sample) x 100 Percentage of naphthalene: (1.844/2.088)x100= 88.314% Conclusions: The main concept I learned that was being applied and studied in this lab was that mixtures can be separated into their components by physical means. The purpose of the lab is to become familiar with the methods of separating substances from one another using decantation, extraction, and sublimation techniques. Mixtures occur in everyday life in materials that are not uniform in composition. It is a combination of two or more substances. Mixtures are characterized by the fact that each of the substances in the mixture retains its chemical integrity, and that mixtures are separable into these components by physical means. In this lab, the starting point was a mixture of naphthalene, NaCl (sodium chloride), and SiO2 (sand). In the lab, it was determined that naphthalene can be sublimed from the mixture without having an effect on the other substances. It was also realized that NaCl is water soluble, while SiO2 is not water soluble. Since the SiO2 is not water soluble, is would remain a fter the water with NaCl was decanted.

Hitory Elective Notes: Chapter 6

Tanjong Katong Secondary School Secondary FourHistory Elective Chapter 6: War in EuropeHow was Germany responsible for the outbreak of WWII? Hitler’s foreign policy aims:   Hitler wanted to make Germany ____ again by having a _________ and regaining the ____ lost by TOV. †¢ Wanted all German- speaking people to live together in one country called _____________. †¢ Felt that Germany’s growing population needed more room to live and grow food. He called this ___________ (living space). †¢ He could get his lebensraum by __________ lands east of Germany. Hated the _____________ ideology and wanted to conquer the Soviet Union to destroy _____________. †¢ SU had vast lands and Hitler believed that the Germans could use the lands for _________. Steps taken by Hitler: †¢ 1933: Hitler pulled Germany out of the ________________ organised by the League of Nations, announcing that she will disarm only if other nations did so as well. †¢ 1933: Pulled Germany out of ____________________. †¢ 1934: Increased the size of his ____ from 100, 000 to 300,000 men. (conscription) †¢ 1935: Increased the size of the army to 550,000 men & reintroduced ___________________________ for all male citizens. Re-militarisation of ______________: †¢ TOV stated that no ________________ were to be in Rhineland after Allied troops had withdrawn. †¢ 1936: Ordered troops into ______________________________. †¢ Britain and France took no action against Germany. †¢ British claim: Germany was only ‘marching into its own backyard’. †¢ France unwilling to take action without Britain’s support. Anschluss with _______ †¢ TOV stated that there should be no ____________ (anschluss) between Germany and Austria. †¢ Hitler tried to take control of Austria. †¢ Hitler threatened Austrian Chancellor Schushnigg that he would send in his army. March 1938: German troops marched into Austria, which then became a _________ of Germany. How was the League of Nations responsible for the outbreak of WWII? Weaknesses of LON: †¢ An exclusive club for __________ of WWI. †¢ Germany was not treated well. †¢ By not treating all its members with _______________, it failed to win the _________ from members. †¢ Richest and most powerful member of the world – ______- not in the League => weak. †¢ Britain and France were the unofficial leaders of LON but only took action when it served their own ________. Poor leadership -> members ______________ for the League. Members of the League were supposed to ________ each other through the use of __________________, but this was never applied. †¢ When League did not punish Japan when it attacked Manchuria, Italy and Germany went ahead with their attacks ________ that the League could not stop them. †¢ Did not have an ____ of its own, thus not in a position to _______ a country from ________. Failure to curb Italian aggression in ___________, 1936: †¢ Action: Benito _________ (Fascist leader of Italy) wanted to increase Italian influence in Abyssinia (today’s Ethiopia) and made plans to ______ it. Response: LON only implemented a _________ economic embargo against Italy. But this too was not fully implemented due to fear that any embargo would affect members’ own economies. †¢ LON was not _____ enough to protect countries from attacks by its members. Failure to encourage ___________  : †¢ France: Did not feel ____ from Germany and refused to disarm. †¢ Hitler: If other countries did not disarm, then Germany had the right to build up its armed forces and did so at a ____ pace. †¢ Other European countries: Began to rearm _______ Germany. Failure to preserve ______ of the League: †¢ Britain: Fear that Germany would have a navy ______ than hers. In 1935, signed the ______________________ which allowed Germany to increase the size of its navy to 35% of the British navy, including submarines, which were banned in TOV. †¢ Britain, the unofficial leader of the LON, broke the military terms of the TOV and placed her own interests first. †¢ Other members followed Britain’s example, instead of acting together to _________ the ___ of a ________ strong Germany. Failure to preserve _______________  : Due to ________________, many countries priced their goods more _______ than foreign goods, in an attempt to sell more of their goods overseas. †¢ They also tried to _______ foreign goods from being sold in other countries by raising ______ on the foreign goods. †¢ 1933: LON held international conference to stop countries from increasing tariffs, but none of the countries wanted to _________. †¢ Each country believed that it had to protect its own interest first –> ______ war between countries. How were Britain and France responsible for the outbreak of WWII? Appeasement: __________ war at all costs by _________ to whatever the enemy country asks for. Reasons for appeasement: †¢ WWI, with its great __________ made war an __________ choice. †¢ Economies _______________ by WWI and GD. Needed to _________ economies and could not _____ to fight another war. †¢ Br and Fr needed more ____ to _________ their army. †¢ Many British and French ______ were fighting for their independence. Br and France could not afford to quell these rebellions and fight a major war in Europe at the same time. †¢ Felt that they could not win a war against Germany without the help of USA. USA was following a strict policy of ________ and would not get involved in any war in Europe. †¢ Felt that _________ was a bigger threat than _______. A strong Germany would prevent the spread of Communism from Soviet Russia to other parts of Europe. Example of appeasement: ______________ Crisis, 1938 †¢ Hitler wanted to take over Sudentenland (part of ______________) after Austria. †¢ Despised the Czech people as they were _____ – an ‘_______________’. †¢ Prosperous country ____ in resources. †¢ Over 3 million _________ living in Sudentenland – wanted to make it part of his Greater Germany. Sudetenland important for Czechoslovakia because of its _________ and heavy __________ located there. †¢ Encouraged members of the Sudetenland _____________ to make as much trouble for the Czech government so that it would give up Sudetenland. †¢ Czechoslovakia looked to Britain and France to stop Hitler, since Sudetenland was not a German land which had been taken away by TOV. It had never ___________ to Germany. †¢ Britain and France feared that Europe will be _______ into a war if the crisis was not solved. †¢ Br PM Neville _____________ went to Germany three times in Sept 1938 in and effort to prevent war. 3rd meeting in _______ – Representatives from Br, Fr, Italy, Germany attended, but not ______ or ______. †¢ Munich Agreement: Germany would not be stopped from taking Sudetenland. In exchange, Hitler promised not to take any more land in Europe. †¢ Chamberlain happy that war had been __________. Impact of appeasement: †¢ Policy of appeasement had merely _____________ greater ___________ from Germany, since Hitler was _________ that Britain and France would give in to all his demands/actions, as they did not want to get involved in a bigger war. End of appeasement: March 1939: Hitler invaded ______________. †¢ Invasion convinced Br and Fr that Hitler could no longer be _______ and ended their policy of appeasement. How was Soviet Union responsible for the outbreak of WWII? Stalin’s concerns: †¢ Worried about the rise of Hitler, who openly stated that he ______ Communism. †¢ ________ was Hitler’s next target and it was _________ on USSR’s western front. †¢ 1934: Stalin joined _______________ to gain _____________ for USSR from Germany. †¢ However, he was concerned that the LON will not protect USSR since it took no ______ against Germany when it broke terms of TOV. Believed that Br and Fr wanted to see Communism _____________ too. Nazi-Soviet Pact, 1939: †¢ Pact of _________ between Germany and USSR. †¢ Hitler’s reason: wanted Poland but worried about fighting a war on two ______ – Br and Fr on western border and USSR on eastern border. †¢ Stalin’s reason: To avoid war with Germany. †¢ Terms: USSR would remain _______ if Germany attacked Poland. In exchange, they would ________ Poland between them. †¢ Reaction: Came as a ______ to the world as Hitler hated Communism and USSR. Significance: Gave Hitler _________ to invade Poland, as he would not have to face a two-front war. †¢ On 1 Sept 1939, he ________ Poland, confident that his army would be able to handle a war with Br and Fr, if they responded at all. †¢ The following day, Br and Fr _________ a _________ from Poland or face a war. †¢ Hitler _________. Br and Fr _______________ on Germany. Questions to ponder: Who/what was responsible for the outbreak of WWII and to what extent? What were the long term causes of the war? What were the short term causes of the war? What were the factors which triggered the war?

Assessment Type

The general goal is to introduce and develop the skills needed to conceptualise a problem and a viable research topic. Students will make use of available literature, design a research strategy, evaluate, organise, and integrate relevant data (both existing and new), derive useful solutions, and communicate those solutions in an appropriate form to clients and colleagues. The module will prepare students to continue their own professional education and contribute to the development of the profession as a whole, at a standard commensurate with the current level of knowledge. The module surveys the basic processes of research methodology as practised in the social sciences. Underlying principles of science and logic are emphasised and special attention is directed toward the recognition of common sources of error and bias in the implementation and interpretation of research studies as it affects the outcomes of research utilisation. You are required to submit a research proposal. The content of the document produced by each student is required to cover the specific areas and to be within specific maximum word lengths (marks allocation and word lengths in brackets) as follows: 1. Title and Introduction. Form a clear title of a proposed research. Elaborate on the background of the industry and/or company to be researched as well as the problem or issue identified. Also explain the significance and rationale of the proposed research. (15 marks / 800 words maximum) 2. Research Questions. Construct the questions to be answered in the proposed research. (5 marks / 100 words maximum) 3. Research Objectives and Framework. State the research objectives in terms of the factors or causes identified (independent variables) and their relationships with the identified problem or issue (dependent variable). Following the stated objectives, construct a proposed research model or conceptual framework. (5 marks / 100 words maximum) 4. Literature Review. With reference to various relevant literatures, write a critical review and analysis of both the conceptual/theoretical and practical aspects of the identified problem/issue and factors/causes. (40 marks / 2,000 words maximum) 5. Research Methodology and Design. Elaborate the concept, types and approaches in research. Propose a research design for the research topic selected with detailed explanation on elements such as the sample, sample size, types and sources of information, collection methods and operationalisation or measurement of variables. (15 marks / 800 words maximum) 6. Ethical Considerations. Identify ethical issues involved and steps taken to prevent breach of research ethics. (5 marks / 100 words maximum) 7. Timescale or Gantt Chart. Construct a Gantt Chart in weeks that includes the stages and milestones of the research tasks and their respective time allocations. 5 marks / 100 words maximum) 8. References. Using the Harvard referencing system, provide a comprehensive list of references. (10 marks) Assessment Requirements: †¢ The submission of your work for assessment should be organised and clearly structured in a report format as outlined in 1. 0 to 8. 0 above. †¢ Maximum word length allowed is 4000 words, which includes sections 1. 0 to 7. 0 in the report. The word coun t excludes section 8. 0. †¢ This assignment is worth 100% of the final assessment of the module. Student is required to submit a type-written document in Microsoft Word format with Times New Roman font type, size 12 and line spacing of 1. 5. †¢ The Harvard Style of Referencing system is COMPULSORY. †¢ Indicate the sources of information and literature review by including all the necessary citations and references adopting the Harvard Referencing System. †¢ Students who have been found to have committed acts of Plagiarism are automatically considered to have failed the entire semester. If found to have breached the regulation for the second time, you will be asked to leave the course. Plagiarism involves taking someone else’s words, thoughts, ideas or essays from online essay banks and trying to pass them off as your own. It is a form of cheating which is taken very seriously. Take care of your work and keep it safe. Don’t leave it lying around where your classmates can find it. Malaysian Qualifications Agency Learning Outcomes Module Learning Outcomes: †¢ Demonstrate the skills necessary to assess and interpret existing research as a prelude to carrying out further investigation and the knowledge and understanding of range of research designs and their appropriate utilization. Conceptualise a problem; formulate hypotheses and objectives; design a research strategy, collecting, analyzing, and interpreting both quantitative and qualitative data, including commonly encountered statistical procedures. †¢ Understand the theoretical principles underlying inferential and descriptive statistics. †¢ Integrate the findings of existing research to ask a new research question. †¢ Engage in critical thinking when reading and comprehending research articles. Choose the most appropriate statistical analyses, interpret results, and write up the results accurately and completely. Notes on Plagiarism Harvard Referencing Plagiarism Plagiarism is passing off the work of others as your own. This constitutes academic theft and is a serious matter which is penalised in assignment marking. Plagiarism is the submission of an item of assessment containing elements of work produced by another person(s) in such a way that it could be assumed to be the student’s own work. Examples of plagiarism are: the verbatim copying of another person’s work without acknowledgement †¢ the close paraphrasing of another person’s work by simply changing a few words or altering the order of presentation without acknowledgement †¢ the unacknowledged quotation of phrases from another person’s work and/or the presenta tion of another person’s idea(s) as one’s own. Copying or close paraphrasing with occasional acknowledgement of the source may also be deemed to be plagiarism if the absence of quotation marks implies that the phraseology is the student’s own. Plagiarised work may belong to another student or be from a published source such as a book, report, journal or material available on the internet. Harvard Referencing The structure of a citation under the Harvard referencing system is the author’s surname, year of publication, and page number or range, in parentheses, as illustrated in the Smith example near the top of this article. †¢ The page number or page range is omitted if the entire work is cited. The author’s surname is omitted if it appears in the text. Thus we may say: â€Å"Jones (2001) revolutionized the field of trauma surgery. †¢ Two or three authors are cited using â€Å"and† or â€Å"†: (Deane, Smith, and Jones, 1991) or (Deane, Smith Jones, 1991). More than three authors are cited using et al. (Deane et al. 1992). †¢ An unknown date is cited as no date (Deane n. d. ). A reference to a reprint is cited with the original publication date in square brackets (Marx [1867] 1967 , p. 90). †¢ If an author published two books in 2005, the year of the first (in the alphabetic order of the references) is cited and referenced as 2005a, the second as 2005b. †¢ A citation is placed wherever appropriate in or after the sentence. If it is at the end of a sentence, it is placed before the period, but a citation for an entire block quote immediately follows the period at the end of the block since the citation is not an actual part of the quotation itself. †¢ Complete citations are provided in alphabetical order in a section following the text, usually designated as â€Å"Works cited† or â€Å"References. † The difference between a â€Å"works cited† or â€Å"references† list and a bibliography is that a bibliography may include works not directly cited in the text. †¢ All citations are in the same font as the main text. Examples Examples of book references are: †¢ Smith, J. (2005a). Dutch Citing Practices. The Hague: Holland Research Foundation. †¢ Smith, J. (2005b). Harvard Referencing. London: Jolly Good Publishing. In giving the city of publication, an internationally well-known city (such as London, The Hague, or New York) is referenced as the city alone. If the city is not internationally well known, the country (or state and country if in the U. S. ) are given. An example of a journal reference: †¢ Smith, John Maynard. â€Å"The origin of altruism,† Nature 393, 1998, pp. 639–40. An example of a newspaper reference: †¢ Bowcott, Owen. â€Å"Street Protest†, The Guardian, October 18, 2005, accessed February 7, 2006.

The Sub-prime Mortgage Market and Variable Rate Mortgage Market in the Essay

The Sub-prime Mortgage Market and Variable Rate Mortgage Market in the USA - Essay Example The subprime mortgage market can be considered as an extension of this lending practice prevalent in the housing market. Subprime mortgage loans carry interest rates much higher than the prime loans in order to cover the additional risk exposure of the lenders in extending credit to the borrowers who are considered to have a bad loan track and defaulters in repayments. With the increase in the subprime lending the rate of failures has also considerably increased, as most of the loans have been granted to those who did not have the adequate means to repay the loans. When such failures have reached a greater proportion, "Investors have started scrutinizing subprime loans more carefully and, in turn, lenders have tightened underwriting standard". Certain other measures including credit spreads over subprime securitizations have also been undertaken to control the rate of delinquencies. Different aspects of the subprime mortgage including the variable rate mortgage are discussed in the following sections of the report. The report also details the process of securitization being adopted by the mortgage originators to fund the growth in their mortgage lending. 2.0 What is Subprime Mortgage Although the term 'subprime mortgage' is used to indicate the loans offered to those borrowers whose credibility is doubtful, the term "subprime' does not signify the character of the loan itself but characterizes the borrower meaning the borrower has a substandard credit status. Lack of good credit history and habitual defaults in repayments make the borrowers to get into the status of sub prime borrowers. Subprime lending can take a variety of instruments like... As the report declares the subprime mortgage market can be considered as an extension of this lending practice prevalent in the housing market. Subprime mortgage loans carry interest rates much higher than the prime loans in order to cover the additional risk exposure of the lenders in extending credit to the borrowers who are considered to have a bad loan track and defaulters in repayments. With the increase in the subprime lending the rate of failures has also considerably increased, as most of the loans have been granted to those who did not have the adequate means to repay the loans. When such failures have reached a greater proportion, â€Å"Investors have started scrutinizing subprime loans more carefully and, in turn, lenders have tightened underwriting standard†. This paper stresses that lack of good credit history and habitual defaults in repayments make the borrowers to get into the status of sub prime borrowers. Subprime lending can take a variety of instruments like subprime mortgages, car loans and credit cards. The expansion in the sub-prime mortgage has made the home-ownership possible for those borrowers who otherwise would not be able to qualify for any borrowing. There has been a sharp increase in the subprime mortgage in the recent years. With the increase in the subprime mortgage market, the concerns over the adverse effects of the predatory loans have also increased.