Net Present Value - 1958 Words

Critics to DCF methods Ducht an UK companies * However, it is found inappropriate to use DCF methods for investments that have got strategic implications. * There are various reasons for the use of open approach. Since the outcomes of these projects are highly unforeseen, according one interviewee, the application of quantitative tools is not plausible. Therefore, companies tend to apply the rule of thumb methods rather than standardized quantitative models. The justification for not applying quantitative models is some times attributed to the nature of a project. Capital inv appraisal of new technologies: Problems, misconceptions and research directions * Specifically, it has been alleged that the traditional appraisal†¦show more content†¦The missapplication of capital investment appraisal techniques * Surveys of capital budgeting practices in the UK and USA reveal a trend towards the increased use of more sophisticated investment appraisals requiring the application of discounted cash flow (DCF) techniques. Several writers, however, have claimed that companies are underinvesting because they misapply ormisinterpret DCF techniques. * the only justification we can think of for using the accounting rate of return method is because top management believe that reported profits have an impact on how financial markets evaluate a company. This is further reinforced in many companies by linking management rewards to short-term financial accounting measures. Thus a project’s impact on the financial accounting measures used by financial markets would appear to be a factor that is taken into account within the decision-mak ing process. * Dimson and Marsh (1994) have expressed concern that many UK companies may be using excessively high discount rates to appraise investments and, as a result, these companies are in danger of underinvesting. In the USA it has also been alleged that firms use discount rates to evaluate investment projects that are higher than their estimated cost of capital (Porter, 1992). Conclusions: Ducht an UK companies * All the UKShow MoreRelatedNet Present Value1157 Words   |  5 Pagesobtained and that authorised capital spending was not exceeded. Investment appraisal method; There are four methods which we can use to evaluate the investments. 1) The Payback period 2) The accounting rate of return 3) The net present value method 4) The internal rate of return method A. The Payback period; The payback period is the number of years it takes to recover its initial investment. This method assists with the project risk and liquidity. The projects with theRead MoreNet Present Value1875 Words   |  8 Pagesyear and reported the following information. The company had current assets of $153,413, net fixed assets of $ 412,331, and other assets of $83,552. The firm also has current liabilities worth $65,314, long-term debt of $178,334, and common stock of $162,000. How much retained earnings does the firm have? a. $ 405,648 b. $243,648 c. $167,918 d. $573,566 6.) Tre-Bien Bakeries generated net income of $233,412 this year. At year end, the company had accounts receivables of $47,199Read MoreNet Present Value/Present Value Index2559 Words   |  11 PagesNet Present Value/Present Value Index The management team at Savage Corporation is evaluating two alternative capital investment opportunities. The first alternative, modernizing the company’s current machinery, costs $45,000. Management estimates the modernization project will reduce annual net cash outflows by $12,500 per year for the next five years. The second alternative, purchasing a new machine, costs $56,500. The new machine is expected to have a five-year useful life and a $4,000Read MoreNet Present Value and Salvage Value1144 Words   |  5 Pages------------------------------------------------- FINC5001 Capital Market and Corporate Finance ------------------------------------------------- Workshop 5 – Capital Budgeting II 1. Basic Concepts Review a) In applying Net Present Value, what factors do we include, and what factors do we ignore? Use cash flows not accounting income Ignore * sunk costs * financing costs Include * opportunity costs * side effects * working capital * taxation * inflation Read MoreNet Present Value Essay940 Words   |  4 Pagesgrow. Although, this is true it much more valuable to know about the value and benefit of the investment. Selecting the best investment choice will ensure growth in the future and will generate value. The problem typically arises when trying to utilize capital budgeting skills in determining different tasks with the same risk. There are many ways to determine the correct return gained from investments. The (NPV) Net Present Value has proven to be the best method for organizations to use. NPV givesRead MoreNet Present Value Essay603 Words   |  3 Pages1. Basic present value calculations Calculate the present value of the following cash flows, rounding to the nearest dollar: a. A single cash inflow of $12,000 in five years, discounted at a 12% rate of return. b. An annual receipt of $16,000 over the next 12 years, discounted at a 14% rate of return. c. A single receipt of $15,000 at the end of Year 1 followed by a single receipt of $10,000 at the end of Year 3. The company has a 10% rate of return. d. An annual receipt of $8,000 for threeRead MoreNotes On The Net Present Value1462 Words   |  6 PagesQuestion C [1] The Net Present Value [NPV] is the total sum of the present values of all the expected cash flows. For a project with a normal cash flows, this would mean that the NPV is the present value of expected cash flows minus the initial cost of the project. The formula is as such; NPV = -CF0 + CF1 (1+k)-1 + CF2 (1+k)-2 + †¦ + CFn (1+k)-n where; CF0 is the initial investment outlay, or cash outflow CFt is the after-taxed cash inflows at time t k is the required rate of return for the projectRead MoreNet Present Value ( Npv )1530 Words   |  7 PagesNet present value (NPV) is a discounted cash flow technique used to determine the overall value of a project or a succession of cash flows (Blocher et al, 2008). See Appendix 1 for a simplified calculation. Belli (2001) argues that NPV is more suitably applied to mutually exclusive projects; these types of projects are those that if accepted, prevent other contending projects to be approved (Mowen et al, 2009). NPV is understood to be an absolute measure, therefore when selecting between mutuallyRead MoreNet Present Value and Project3264 Words   |  14 Pagesbe 13.487% and a Weighted Average Cost of Capital (WACC) to be at a value of 9.70%. Factoring in the WACC into our projections we found that if the demand maintains at an average rate the project will be at a positive Net Present Value of $5,997,505.31 with an IRR of 13.21%, a profitability index of 8.84, and an approx imate payback period of 6.84 years. Please see Exhibits below for a snapshot of the capital budget and NPV values. This information seemed to be very promising for the project inRead MoreNet Present Value and Question5593 Words   |  23 Pagesof capital. C) If you are unsure of your cost of capital estimate, it is important to determine how sensitive your analysis is to errors in this estimate. D) If the cost of capital estimate is more than the internal rate of return (IRR), the net present value (NPV) will be positive. Question 2 If it is feasible to undertake a project irrespective of the decision concerning the acceptance of another, the two projects are said to be: A) independent. B) dependent. C) mutually exclusive. D) none of

The Structure Of A Federal Government - 1591 Words

Intro: With the structure of a Federal government, a ruling Parliament and a written constitution, the country of Xlandia will now be served at its best, now and over time. By restricting, both, the government and the citizens from too much power, the base of this system will be provided by individuals with enough knowledge and insight for Xlandia to be successful. This will also allow the people speak their own opinions through free, fair, and relatively frequent elections. With ample representation for the citizens of Xlandia through popular vote and elections, the government cannot run against the population. -- Edited by Loveleen and Gigi 1st Body Paragraph : A written constitution to rely on is best for a country who is new to†¦show more content†¦Xlandia is a country that needs a new backbone, and a written constitution gives far more stability and structure than an unwritten constitution. --Jaapyman wrote this =D Gigi edited, Re-Edited by Vinh ( Í ¡Ã‚ ° ÍÅ"Êâ€" Í ¡Ã‚ °) Edited Again By -Loveleen 2nd Body Paragraph: The central civilian government should command the military. The Military’s purpose is to defend the Xlandia’s people and government. It should not be a political entity, which does whatever it wants. This makes sure that the armed forces do not do anything unseen, as an autonomous uncontrolled army can cause all manner of issues like refusing to defend certain peoples or ignoring civilian rights just because it feels like it. Therefore the military must go for Parliamentary approval for large troop deployments, policy, and budget. The national armed forces will also send an representative to recommend military options to the head of state, so that the civilian leaders don’t make tactical mistakes. The police and local militia shall be independant from the military, under county and district control. This makes sure that one branch of defense does not take all the funding from the other branches. This separation also makes it harder for any b ranch of defense to stage a coup or rebel against the government. -- Edited by Loveleen ( kind of ) 3rd Body Paragraph: Our parliamentary system perfectly fits the needs of both the wealthy and the commoners. Since

Nen perfoming loan in banks Free Essays

string(115) " to get the defaulted borrowers’ to conduct interview with them to know their likely causes of loan default\." Banks exist to provide financial Intermediation services while at the same time endeavor to maximize profit share holders value. Availing credit to borrowers is one means by which banks maximize their profit. Loans are the dominant asset represent 50-75 percent of total amount of most banks, generate the largest share of operating Income represent the banks greater risk exposure (Mac Donald Koch, 2006). We will write a custom essay sample on Nen perfoming loan in banks or any similar topic only for you Order Now Managing loan in a proper way is not only has a positive effect on the banks performance but on borrowers firms and the country as a whole. Failure to manage moans, which make up the largest share of banks assets, would likely lead to the episode of high level of NP. According to MIFF (MIFF, 2009), a non performing loan is any loan which interest and principal payments are more than 90 days over due ; or more than 90 days worth of interest has been refinanced. Under the Ethiopians banking business directives (N.B., 2008), non performing loans are defined as â€Å"Loans and Advances whose credit quality has deteriorated such that full collection of principal and/or interest in accordance with the contractual repayment of term loans or advances in question†. Theoretically, there are so many reasons why loans fail to perform. Some of this includes, depressed economic conditions, high real Interest rate, Inflation, lenient terms of credit, high credit growth risk appetite and poor credit monitoring are among the others. Forestall (2002) categorize non performing loans to bank specific and macro economic conditions. Accordingly, this study is focused on assessing factors that contributed for nonperforming loans of Awash International Bank mainly targeting on bank specific determinants of non performing loans. 1. 2 Statement of the problem An efficient and well functioning of financial sector is essential for the development of any economy. Loan qualities are one of the indicators of financial sectors soundness. A sound financial system among other things requires maintenance of low non performing loans. In Ethiopians context. The banks In the country are required to maintain ratio of their non performing loans below five percent (N.B., 2008). The data obtained from the 2011/12 2012/13 annual progress report of BIB shows that the ratio of non performing loan of the bank was below the threshold for both years. Despite the fact, the non performing loan of the bank was Increased from Birr 98 million in 201 1/12 to Birr 1 77 million in 2012/13, showing an increments of Birr 108. 9 million (104%). Similarly, the bank’s non performing loan ratio was increased from 1. 9% to 2. 8% during the same period. Even, this ratio was above ten percent in some branches of BIB. This fact raises the issue of what causes this non performing loan Increment. Accordingly, two research questions were drawn to investigate this Issue. What does the tends of loans and NP looks like in BIB? Defaulted? What are the main causes for these defaulted loans? 3 Objectives of the Study The general objective of the study is to review the non performing loan of BIB and to identify its causes. Side by side, the study was assessed the following issues. Reviewed Loans NP trends of BIB? 0 Indemnify which loan category, loan purpose economic sectors more defaulted. Searched the main causes of NP in BIB in general identify those branches that were highly contributed for this NP. Assessed the credit assessment follow up practice of other commercial banks. 0 Recommended some remedial actions to be taken to reduce these non performing loans. 1. 4. Methodology Research Design: A sample survey was carried out to seek the characteristics of defaulted loan files and to identify likely causes for their loan default. Survey Population: 25- Branches were recorded NP as of June 30, 2013, comprising about 74 defaulted loan files. Sampling Design: Using random sampling method, seventeen branches and 43 defaulted loan files were taken for this study purpose. Table 1. 1: NP Recorded Branches Profile Branches Total NP recorded branches Sampled NP Branches % GE Responded branches Total NP files Sampled NP files % city 119 829 31 21 68 outlying 148 578 432251 Total 25 176017744358 Data Sources: To achieve the stated objective, both primary and secondary data were utilized. The primary data was collected by interviewing Selected Alba’s Credit Directorate staffs, Compliance Risk Management Department staffs that are on supervisory position. Questionnaires were also distributed to selected branches incurred loan default. Secondary data was utilized from various documents of BIB, mainly from Annual progress report of BIB, credit policies procedures of the bank, NP action plan report and other related documents. Various published and unpublished literatures were also utilized from different sources grading the subject. Data Analysis Presentation: After collection, the data was organized, analyzed interpreted using both quantitative qualitative descriptive analysis methods mainly tables, percentages, charts etc. 1. 5 Scope Limitations of the study Scope of the study The study was reviewed factors that contributed for non performing loan of BIB and it was focus on bank specific determinants of non performing loan. The spectrum of the study, therefore, includes: Examinations of loans NP of BIB by loan category individual economic sectors. – An in depth analysis of the loan file characteristics of the defaulted rowers with special reference to their likely causes for their loan default. – An in depth analysis Credit analysis follow up practice of BIB with special reference to identification of their limitations that contributed for the banks non performing loans. – Suggestions of relevant non performing loan reduction strategies based on The respondents were busy and usually uncooperative. Particularly, some branch managers were unwilling to fill the questionnaire by themselves and order other officers to fill the questionnaire. As a result, the researcher had called phone many times to branches before getting a fulfilled questionnaire. In addition it was difficult to obtain some of the required data’s from credit directorates since some of the data’s were not compiled properly and regularly. Similarly, it was difficult to get the defaulted borrowers’ to conduct interview with them to know their likely causes of loan default. You read "Nen perfoming loan in banks" in category "Papers" Accordingly, the researcher was forced to see the likely causes of their loan default from the analysis of their loan files and interview conducted with staff members. Despite this limitation, the result of the research provided a meaningful basis for filling the gap and made recommendations that can be used by the management to improve performance of loan portfolio in BIB. 2. Literature Review 2. 1 Theoretical Review of Non- Performing Loans Loans and advances are the most profitable of all the assets of a bank. These assets constitute the primary source of income by banks. As a business institution, a bank aims at making a huge profit. Since loans and advances are more profitable than any other assets, it is willing to lend as much of its funds as possible. But banks have to be careful about the safety of such advances. In the words of Dry. Leaf, the banker â€Å"has to tamper liberty with caution. If he is too liberal, he may easily impair his profits by bad debts, and if he is too timed, he may fail to obtain an adequate return on the funds which are confided to him for use. It is by his capacity in lending that a bank manager is Judged. A bank needs to be careful in giving loans as there is a greater risk which follows it in a situation where the loan defaults. Loan loss or defaulted loans puts a bank in a difficult situation especially when they are in greatest amount. Banks gives loans with uncertainty whether they are returned or not though they may hold some security. In assessing any proposal for n advance or a loan, the banker has to satisfy himself/herself regarding the period for which the advance is required and the prospects of its repayment at the end of the period. He/she should not be carried away by the soundness of the security offered to him/her or the rate of interest. Profitability should be given only a sound consideration. He/she should also satisfy himself [herself about the purpose for which the advance is required. He/she is expected to discriminate against and discourage speculative advances. As a matter of fact most bank failures may be traced to faulty policies in respect of loans and advances. From the point of safety and liquidity, loan and advances are poor assets. The risk mostly ensues when loans become non- performing. Allocating loans has always been one of the central pillars of the banking business. Traditionally this marked the start of a long term relationship with the client, which would continue at least until the maturity of the loan. With the growth of deposits, banks are supposed to increase the lending. However, when Non-performing Loans (Naps) are high, the willingness to expand loan reduces. This relationship will be distorted under high NP condition. In any lending recess, there is inherent risk of loans being defaulted which leads to the concept of non- performing loans. The concept of non-performing loans has been defined in performing loans are defined as defaulted loans which banks are unable to profit from. They are loans which cannot be recovered within stipulated time that is governed by the laws of a country. The criterion for identifying non performing loans also varies in Africa. Some countries use quantitative criteria to distinguish between â€Å"good† and â€Å"bad† loans (e. G. , number of days of overdue schedule payments), while others rely on qualitative arms (such as the availability of information about the client’s financial status, and perspectives about future payments). However, the Basel II Commission emphasizes the need to evolve toward a standardized and internal rating-based approach. Accordingly, the Basel committee puts non performing loans as loans left unpaid for a period of 90 days. Under the Ethiopians banking business directive, non-performing loans are defined as â€Å"loans or advances whose credit quality has deteriorated such that full collection of principal and/or interest in accordance with the contractual payment terms of the loan or advances in question† It further provides that: . moans or advances with pre established repayment programs are nonperforming when principal and/ or interest is due and uncollected for 90 (ninety) consecutive days or more beyond the scheduled payment date or maturity. In addition to the above mentioned category of non- performing loans, the following are also considered as non- performing. Overdrafts and loans or advances that do not have re-established repayment program shall be non-performing when: – The debt remains outstanding for 90 (ninety) consecutive days or more beyond the scheduled payment date or maturity; – The debt exceeds the borrower’s approved limit for 90 (ninety) consecutive days or more; – Interest is due and uncollected for 90 (ninety) consecutive days and more; or – For the overdrafts, (I) the account has been inactive for 90 (ninety) consecutive days or deposits are insufficient to cover the interest capitalized during 90 (ninety) consecutive days or (it) the account fails to show the following debit balance at least once over 360 days preceding the date of loan review: 1 . 20% of approved limit or less 2. 5 % or less This is in accordance with the Basel rules. If a loan is past due 90 consecutive days, it will be regarded as non- performing. The criteria used in Ethiopians banking business to identify non- performing loan is a quantitative criteria based on the number of days passed from loan being due. 2. 2 Classification of Loans Advances The National bank of Ethiopia supervision of banking directives classifies loans and advances as follows. Pass loan: loans and advances in this category are fully protected by the current financial and paying capacity of borrower and are not subject to criticism. In general loans and advances, which are fully secured both as to ironical interest by cash or cash substitutes are classified under this category regardless of past due status or other adverse credit factor. Special Mention: Any loan or advance past due 30 days or more, but less than 90 days is classified under this category. Substandard: Non performing loans or advances past due 90 days or more but less than 180 days is classified under this category. Doubtful: Non classified as doubtful. Loss: Non performing loans or advances past due 360 is classified as loss. As per the directive the provision for impairment losses is determined as follows Loan Category Pass loan Mention Extent of provision required 1% of outstanding loan balances Special 3% of outstanding loan balances Substandard 20% of the net loan balance Doubtful balance Loss Non-performing Loans 65% of the net loan 100% of net loan balance 2. 3 Causes of Default culture is not a new dimension in the arena of investment. Rather in the present economic structure, it is an established culture. The redundancy of unusual happening becomes so frequent that it seems people prefer to be declared as defaulters. Basically, the non- performing loans are a result of the compromise of the objectivity of credit appraisal and assessment. The problem is aggravated by the weakness in the accounting, disclosure and grant of additional loans. In the assessment of the status of current loans, the borrower’s credit worthiness and the market value of collateral are not taken into account thereby rendering it difficult to spot bad loans. The causes for loan default vary in different countries. It extends from borrower’s specific act to banks weak regulatory mechanism in advancing loans and monitoring procedures. Generally, in developing and underdeveloped countries, the reasons for default have a multi dimensional aspect. Various researchers have concluded various reasons for loan default. A. Reduced Attention to Borrowers Few of the loan defaults that make trouble for banks can be blamed on reduced attention to borrowers. Borrowers give better attention to the loans that they borrowed when they have the perception that better attention is given to them. Lending officers of institutions should try to keep up with their loans, visiting the borrower’s premises at least once a year or up to a half a dozen times a year on larger loans. Banks rarely lose money solely because the initial decision to lend was wrong. Even where there are greater risks that the banks recognize, they only cause a loss after giving a warning sign. More banks lose money because they do not monitor their borrower’s property, and fail to recognize warning signs early enough. When banks fail to give due attention to the borrowers and what they are doing with the money, then they will fail to see the risk of loss. The objective of supervising a loan is to verify, first, whether the basis on which the lending decision was taken continues to hold good. And second whether the loan funds are being properly utilized for the purpose they were granted. . Macroeconomic Instability Macroeconomic stability and banking soundness are inexorably linked. Both economic theory and empirical evidence strongly indicate that instability in the macro economy is associated with instability in banking and financial markets and instability in these sectors is associated with instability in the macro economy. Most problems of poor loan quality faced by banks were compounded by macroeconomic rate also makes loan appraisal more difficult for the bank, because the viability of potential borrowers depends upon unpredictable development in the overall rate of inflation, its individual components, exchange rates and interest rates. Moreover, asset prices are also likely to be highly volatile under such conditions. Hence, the future real value of loan security is also very uncertain. Banks do poorly both when product and asset price inflation accelerate unexpectedly and when inflation decelerates unexpectedly, unemployment increases, and/or aggregate output and income decline unexpectedly. Unexpected accelerations in inflation adversely affect banks that, on average, lend longer term at fixed-rates than they borrow because nominal interest rates will rise more than expected. This will increase their cost of deposits more than their revenues from loans. Decelerations in inflation and, in particular, bursting of asset prices harm banks because the value of their asset collateral is likely to decline below the value of the associated loans and fuel defaults and losses. Indeed, probably the greatest threat to banking stability in almost all countries is increasing asset price. C. Unsound Assessment Mechanism and Weak Risk Consciousness Risk, and the ways, in which it can be identified, quantified and minimized, is key concerns for a banks management and its auditors when they are engendering the need to provide for bad and doubtful loans. No loan is entirely without risk. Every loan, no matter how well it is secured, and no matter who is the borrower, has the potential to generate loss for the lender. It is the degree of risk to which a loan is susceptible and the probability of loss that vary; these should normally be reflected in the interest margin and other terms set at the inception of the loan. A bank, in considering whether to lend or not, takes into account the quality of a borrower which is reflected in, inter alai, its past and projected profit reference, the strength of its balance sheet (for example, capital and liquidity) the nature of and market for its product, economic and political conditions in the country in which it is based, the quality and stability of its management and its general reputation and standing. It is important for the bank to know the purpose of the loan, to assess its validity and to determine how the funds required for the payment of interest and the repayment of capital will be regenerated. D. Lack of Strict Admittance policies and no active exit Under the influence of idea of pursuing market share excessively, banks do not establish detailed and strict market admittance policies, which undermine the first risk to prevent gate and weaken the orientation effect of admittance policies to market. During pre-loan investigation, some relationship managers put little emphasis on authenticity and integrally review on related materials. They haven’t clarified the true intended usage of the loan (especially when extending short-termed credit) and the review is too optimistic, which does not analyze the potential influence of changes in related factors. There is also no deep review on the market, no enough understanding on enterprises’ operation management situation, no horrors risk revaluation; inaccurate assessment, the risk of loans is not fully covered and the risk on group customers and affiliated enterprises are not identified effectively. The factors above damage the loans at the early stage. 2. Debt Recovery Processes interest comprises a banks principal source of revenue, and therefore, of profit. Accordingly, from a banks perspective it is essential that its borrowers keep their contractual commitments and repay interest and capital as scheduled. Defaults are inevitable, but when they occur a bank should take appropriate remedial action, or ailing that, recover the outstanding interest and capital promptly. Ethiopians Banks adopt different ways of recovering non- performing loans. These methods are one or the combination of the following: Settlement – This engages both the lender and the borrower in negotiation to settle through collection of cash. Reschedule/Renewal – this method is used whenever a bank believes that the Naps can be regulated in favorable terms and conditions through negotiation (term loans) and renewals (overdrafts). This is not without limitation. National Bank Directive No. SUB/43/2008 states a bank shall not reschedule restructure or negotiate worth or medium term loan to a borrower for more than three periods. Before rescheduling, restructuring or renegotiating a short or a medium term loan, a bank shall collect in cash full amount of interest thereof and the following principal amounts: a. A minimum of 25% of outstanding principal balance in case of rescheduling, restructuring or renegotiating for the second time. How to cite Nen perfoming loan in banks, Papers

Shakespeares time Essay Example For Students

Shakespeares time Essay Alonso: Good boatswain, have care. Wheres the master? Play the men.  Boatswain: I pray now, keep below.  We can see the Boatswain tries to maintain the respect that ought to be kept with a king in a diplomatic manner.  Antonio: Where is the master, boatswain?  Boatswain: Do you not hear him? You mar our labour-keep your cabins. You do assist the storm.  We can see that soon the Boatswains tolerance will run out.  Gonzalo: Nay, good, be patient.  Boatswain: When the sea is. Hence! What cares these roarers for the name of king? To cabin. Silence! Trouble us not. Finally his patience has snapped. He says when the sea is in response to Gonzalos request for him to be patient, meaning that he will become more tolerant when the storm has also become more tolerant.  The way that different productions of The Tempest stage the scene varies. For example sometimes it is presented on a bare stage but then others have large models of a ship or the elements of a shipwreck strewn about the stage, such as a frayed mast. I think that a production with modern technology would have a better effect of a realistic storm, but only if its well done. For example if the staging is particularly shabby and the quality of the technology is bad then obviously so is the effect it has on the audience. A bare stage can be very successful, but only if the actors are very good as well. In Shakespeares time the sound of thunder could be made with rolling cannon balls and drums. Usually squibs were used in scenes like this, which could give off a great amount of noise. If I were to use modern technology I would probably use the sounds of thunder and dark, dingy lighting to create an effect of a black sky. I might cover the stage floor with dry ice or a smoke machine in order to create the illusion of a boat rather than just a bare stage. This effect and the actors movements could make the swaying of the ship or violent rocking motion more believable if it is hard to tell where the stage floor is. I might just have large bits of wood scattered about the stage with a couple of wooden poles standing with white cloth draped over them to create an effect of a decrepit state. To create an illusion of rain I might use the sound of rain and actors entering the stage with wet clothes and wet hair. What I have also noticed in other productions of The Tempest is that although Ariel conjures up the storm he is never present in the first scene. I think that this is because the impact that this scene would have would be considerably lessened. The reason for this is that I think that the storm is meant to be realistic; with an airy spirit flying around the mast I think that the intensity of the scene would be lost, as I found out with a production that I took part in. I have found that with some productions of The Tempest people have cut out most of the scene completely. Taking Dereck Jarmans The Tempest, the first scene is of Prospero sleeping but with a very disturbed sleep, full of nightmares. There are quick shots of footage of a storm, then back to Prosperos face, as if we are looking at parts of his dreams. I think that this was very ineffective because it lacked the dramatic impact that the first scene would have had if it were included and there was no show of the power struggles, no introduction to characters. The second production I have seen of The Tempest is by John Gorrie. Although the acting was very bad, the scene took place on a proper ship and incorporated the full scene. There were realistic sounds and special effects such as the rocking of the ship and rain. I also felt more of a sense that this was something very exciting and that hopefully the rest of the production would be too. I also saw an entirely different form of The Tempest in Peter Greenaways adaptation, Prosperos Books. It starts off with an old man speaking of his books, what powers they possess, what they are called. Echoes can start to be heard of the dialogue from the storm sequence. .u0df410086bd99a29cdb046ea5f0535b8 , .u0df410086bd99a29cdb046ea5f0535b8 .postImageUrl , .u0df410086bd99a29cdb046ea5f0535b8 .centered-text-area { min-height: 80px; position: relative; } .u0df410086bd99a29cdb046ea5f0535b8 , .u0df410086bd99a29cdb046ea5f0535b8:hover , .u0df410086bd99a29cdb046ea5f0535b8:visited , .u0df410086bd99a29cdb046ea5f0535b8:active { border:0!important; } .u0df410086bd99a29cdb046ea5f0535b8 .clearfix:after { content: ""; display: table; clear: both; } .u0df410086bd99a29cdb046ea5f0535b8 { display: block; transition: background-color 250ms; webkit-transition: background-color 250ms; width: 100%; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #95A5A6; } .u0df410086bd99a29cdb046ea5f0535b8:active , .u0df410086bd99a29cdb046ea5f0535b8:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #2C3E50; } .u0df410086bd99a29cdb046ea5f0535b8 .centered-text-area { width: 100%; position: relative ; } .u0df410086bd99a29cdb046ea5f0535b8 .ctaText { border-bottom: 0 solid #fff; color: #2980B9; font-size: 16px; font-weight: bold; margin: 0; padding: 0; text-decoration: underline; } .u0df410086bd99a29cdb046ea5f0535b8 .postTitle { color: #FFFFFF; font-size: 16px; font-weight: 600; margin: 0; padding: 0; width: 100%; } .u0df410086bd99a29cdb046ea5f0535b8 .ctaButton { background-color: #7F8C8D!important; color: #2980B9; border: none; border-radius: 3px; box-shadow: none; font-size: 14px; font-weight: bold; line-height: 26px; moz-border-radius: 3px; text-align: center; text-decoration: none; text-shadow: none; width: 80px; min-height: 80px; background: url(https://artscolumbia.org/wp-content/plugins/intelly-related-posts/assets/images/simple-arrow.png)no-repeat; position: absolute; right: 0; top: 0; } .u0df410086bd99a29cdb046ea5f0535b8:hover .ctaButton { background-color: #34495E!important; } .u0df410086bd99a29cdb046ea5f0535b8 .centered-text { display: table; height: 80px; padding-left : 18px; top: 0; } .u0df410086bd99a29cdb046ea5f0535b8 .u0df410086bd99a29cdb046ea5f0535b8-content { display: table-cell; margin: 0; padding: 0; padding-right: 108px; position: relative; vertical-align: middle; width: 100%; } .u0df410086bd99a29cdb046ea5f0535b8:after { content: ""; display: block; clear: both; } READ: Just-in- Time in Kalamazoo EssayWe see the old man writing some of the dialogue as it is being said. Some footage of raindrops is inserted between shots. The setting of the scene suddenly changes to what looks like a Turkish bath with the old man bathing in it. We soon see a child swinging on a swing above. The dialogue of the storm sequence was still echoing around while the child (playing Ariel) continued to urinate on a toy ship in the middle of the bath, to represent Ariels construction of the storm. The intention of this production may have been symbolic but I found it all rather confusing and much less dramatic than the BBC production, which had a lower quality of ac ting and probably not as much to spend in the way of the setting and special effects.

Renaissance Essays (365 words) - Philosophical Movements, Philosophy

Renaissance The renaissance first appeared in the Italian city states because of the similarity between their language and the Latin language. Humanism used classical works to improve speaking and writing skills; therefore the Italians had a great advantage. More manuscripts were made available for the Italians, which led to the production of more intellectual leaders. The writing and speaking skills of humanism was soon demanded at the princely courts. Humanism transformed art, literature and political and social values. Eastern scholars were invited by the Italians to join the West, to bring more Greek manuscripts and to help regain command of the Greek language. The Italian states differed from other states in that they were the leaders of the renaissance, with the chancellor of Florence, Coluccio Salutati, and a group of humanists Italy collected the ancient manuscripts. They were called the civic humanists, since they felt that an active life was essential for full development. Two scholars from Italy, Guarino de Verona and Vittorino de Feltre transformed education. They used the ideas of humanism to establish a curriculum that spread to Europe. The Florentine Neoplatonists led the way towards a new exploration of grand ideals of truth and perfection. Ficino and Pico were both gifted Neoplatonists, and with their philosophy they had a major influence on artists and thinkers for the next two centuries. The Italian humanism left a deep imprint on European thought and education. The Italian city states stimulated the development of the Renaissance, since the movement first took place in Florence. Another advantage was that Florence was famous for its art, since the greatest artists of the 1200s and 1300s, Giotto and Cimabue, were identified with the city. The Florentine citizens were wealthy and ready to patronize art and the city had an excellent design of luxury goods, such as silk and gold. Humanist ideas eventually spread to Northern Europe because of the need for better educated laity and the tension and violence in the society. Writers and artists were also seemed to have little grasp on reality and displayed deep emotional instability. The knights were becoming less important in battle and despite this the nobles pretended to act as if the knights were more important. There was also the instability of the religions, with the interest in death and trial of witches. Printing aided the spread of humanism.

Ffrankenstein essays

Ffrankenstein essays Frankenstein is a novel consisted of many different parts and narrators. The reader reads the novel from the perspectives of Robert Walton, Victor Frankenstein, and the monster. Walton exhibits emotions expected from someone hearing such a fantastic story, Victor sets the main plot of the novel, and the monster gives a story of pain as well as suffering for which the reader can sympathize with. The story as a whole is a large culmination of themes and characters, which are influenced by the Romantic movement. The novel is written by Romantic author Mary Shelley. The early nineteenth century was not a good time to be a female writer particularly if one was a novelist like Mary Shelley. Contemporary wisdom held that no one would be willing to read the work of a woman; the fantastic success of Mary Wollstonecraft Shelley's Frankenstein served to thoroughly disprove this rather asinine theory. (Worldonline) Frankenstein established Shelley as a woman of letters when such a thing was believed to be a contradiction. She was the daughter of the British philosopher William Godwin and the British author and feminist Mary Wollstonecraft Godwin; she was born in London, and privately educated. She met the young poet Percy Bysshe Shelley in May 1814, and two months later left England with him. When Shelley's first wife died in December 1816, he married Mary. In 1818, her first and most important work, the novel Frankenstein, was published. (Encarta 99) A remarkable accomplishment for a 20-year-old, the work was an immediate critical and popular suc cess. This tale of Frankenstein, a student of the occult, and the subhuman monster he assembles from parts of human corpses added a new word to the English language: A "Frankenstein" is any creation that ultimately destroys its creator. (Worldonline) No other work by Mary Shelley achieved the popularity or excellence of this first work. Frankenstein is part of the Gothic movement in litera...

Conflict Resolution Term Paper Example | Topics and Well Written Essays - 2000 words

Conflict Resolution - Term Paper Example Two or more parties are involved in a conflict. This world runs on dualities—pair of opposites as it is known from the philosophical point of view. In the parlance of modern management techniques, issues can be resolved by negotiations, across the table. The destructive element, the negative thinking that gives rise to conflicts can be dealt with constructively. The day to day life is full of conflicts. Some of the striking conflicts that have the bearing on the social and economic aspect of the life of individuals are trade union issues, protest of farmers against the forced acquisition of their agricultural lands for construction of shopping centers, nations engaged in disputes related to boundaries etc. The enlightened ones rely on an appropriate mechanism to deal with such conflicts constructively with an open mind, without further aggravating the contentious points involved in the conflict. The popular saying goes, ‘Where there is a will, there is a say.’ A d ynamic approach to solve the conflict averts destructive situations The purpose of this paper is to understand the root cause of the conflicts and how conflict resolution is possible with a constructive approach and arrive at creative solutions, without leaving the trace of bitterness. This paper outlines theoretical and practical approaches of conflict resolution. The specific objective of this paper is to give comment on one current example in the field of conflict management, to draw some practical conceptual conclusions relating to this conflict with particular reference to capacity building initiatives, integration of responses to contemporary conflict, the links between civil society building and conflict management, importance of non-official agencies in conflict resolution, post-conflict reconstruction, sharing of concern by parties that are not directly related to the conflict, and democratization of conflict

The moment have changed my life Essay Example | Topics and Well Written Essays - 500 words - 1

The moment have changed my life - Essay Example It was fascinating to learn that computers could be used to deliver an entire mathematical lesson with ease of comprehension. This was following a computer simulation that showed the different angles and perspectives of an object that was smiley complicated to understand with only the imagination that I had. It was from this moment that I was drawn to computers and thought of my previous ignorance and withdrawal from them as an act of rebellion, towards my parents in an attempt to be unique from the rest of the family. Simulations were the first part that got my attention, especially with what could be done to achieve works of art with exceptional detail to aesthetics and concept delivery. The idea of changing abstract concepts into ones that a learner can easily fathom was strangely fascinating, and drew me into joining the computer club in the school and even sought the help of my family. Their skills were exceptional but not in programming for simulations let alone academic content for schoolwork. However, they helped a lot in honing my new interest and even providing me with information concerning on programming and comprehension of code generation, as well as generation of scripts. Therefore, because of the new simulations that the computer club and I generated, we enabled the mathematics teacher to explain the content in improved ways to us; and for that reason our grades kept improving. Understanding was better as so were the incentives we received, as well as the credits we received in ext ra credit classes. This allowed me to do more content delivery systems for other subjects such as geography and physics with the help of my family and friends. Together we generated scripts and simulations on projections for statistical methods in geography and math and coded projectiles for physics classes. Extra credit classes and recognition followed as this utterly changed my perspective on school life, and how much time I had wasted hating computers. I

CPA or a Contract Specialist Assignment Example | Topics and Well Written Essays - 1000 words

CPA or a Contract Specialist - Assignment Example There are two occupational areas I would like to pursue, and these are: to be a Certified Public Accountant (CPA) or a Contract Specialist for the government. Let me tackle each profession separately so I can present them individually and in greater detail. I’d like to be a CPA because the demand for this type of job has not diminished in the last 5 to 10 years. I also find this profession challenging and very interesting, and this career also offers a lot of possible options on the lateral level, and as you go up the occupational ladder.The educational requirements to be a CPA varies dependent on the State you are applying to. For some, a baccalaureate degree in Accounting would suffice. However, in others, additional Accounting courses in the graduate level would have to be taken and some other exams have to be passed. Still others require a Master’s Degree in Accounting or Business Administration.. Accountants deal with numbers a lot. Every company is usually depende nt on the accounting department for their financial statements, tax computations, salaries and wages among other things. CPAs are usually hired by private companies as full-time or part-time consultant, or are employed full-time in Accounting and Auditing Firms. From this end, accountants make great use of their time and talent in assisting individuals, corporations, government and private corporations in trying to make sense of all the figures which affect the company in more ways than one. Consequently, the ever-increasing requirement for CPAs is further intensified.

Roles Of Women In The Fourth Gospel Religion Essay

Roles Of Women In The Fourth Gospel Religion Essay The voice of Raymond E. Brown concerning the Gospels, and especially the Fourth Gospel is an authoritative one. His bold and un-conventional opinions regarding the Gospels and Gospel studies have already made controversies chiefly among the conservative scholars. This article, Roles of Women in the Fourth Gospel is another study of Brown which touches a hot contemporary debate about the role of women in the Church and about the possibility of ordaining women to the priesthood. Though thirty six years have been passed after the publication of this article, still this is a contemporary debate in the Catholic Church, though the Magisterium has infallibly declared the impossibility of womens ordination since it is founded on the written Word of God, and from the beginning constantly preserved and applied in the tradition of the Church. Brown begins his article stating the possibility of different approaches concerning the biblical evidences in this particular debate. One approach that he mentions is a general discussion of first-century ecclesiology found in the NT texts. But he asks whether such evidence about the foundation of the Church and the institution of the sacramentsà ¢Ã¢â€š ¬Ã‚ ¦..is culturally conditioned? The second approach he points out is the discussion of the explicit texts that refer respectively to the equality and the subordination of women in society and cult. He bluntly states that he is not convinced of this discussion, since each text has a counter-text to support or deny. A third approach, that he wishes to follow is considering the general picture of women in the fourth Gospel, and in Johannine community. Before beginning the study he gives a general introduction to the Evangelist and his community. He highlights the peculiarity of the Johannine community, namely the importance given to t he following of Christ and obeying his word, rather than having special ecclesiastical charism from God. Brown starts his discussion saying that we do not have much information about church offices in the fourth Gospel, and about women in church offices. But he says the text of Martha serving at the table (diakonein) has a significance in the historical context (in the 90s) when such a service had been already become a ministry of an ordained person. Except for this one passage, Brown reminds, our discussion will be on the general position of women in the Johannine community. The story of the Samaritan woman is the first one to be discussed. Samaritan woman who perceives Jesus as Christ testifies this to others. The Evangelists comment that the Samaritan villagers believe because of the womans word (4,39. 42: dia ton logon pisteuein), says Brown, is noteworthy because it occurs again in the priestly prayer of Jesus for his disciples: I do not ask in behalf of these alone, but for those also who believe in Me through their word (17,20). Brown writes that the Evangelist can describe both a woman and disciples at he Last Supper as bearing witness to Jesus through preaching and thus bringing people to believe in him on the strength of their word. Then the author deals with the dialogue between Jesus and the disciples soon after the leaving of the Samaritan woman and just before the coming of the Samaritans to Jesus because of what the woman has told them. The important terms like apostellein, to sow, and to reap in this passage are clear proof of the real mis sionary function of the Samaritan woman, Brown states. The story explicates that the woman has sown the seed and thus prepared for the apostolic harvest. Chapter 20 is another example given by Brown to explain that the evangelist gives a quasi-apostolic role to a woman. Seeing the risen Christ is considered to be an integral part of the apostolate (1 Cor 9,1-2; Gal 1,11-16; 1 Cor 15,5; Lk 24,34). In the Fourth Gospel, it is a woman, Mary Magdalene who sees the risen Lord for the first time and is sent by the Lord himself to give the message to his brothers. Brown notes that what she proclaims is the standard apostolic announcement of the Resurrection: I have seen the Lord. She is the apostle to the apostles. In the story of Lazarus, Mary and Martha, the confession of Martha: You are the Christ, the Son of God (11,27) substitutes the supreme confession of Peter which is found in other gospels. Considering the place of women in Johannine patterns, Brown makes another interesting observation. He notes that discipleship is the primary Christian category for John, and the disciple par excellence is the Disciple whom Jesus loved. But in 11,5 we see Now Jesus loved Martha and her sister and Lazarus. Another proof is given from Chapter 20 again, where Mary Magdalene recognizes the voice of her master. In an allegorical parable (10,3-5) a disciple is like a sheep who recognizes the voice of its shepherd. Since the sheep are his own (twice in 11,3-5), it is clear that even woman can be in the same category of relationship to Jesus as the Twelve. The second part of the article is dedicated to another important woman in the fourth Gospel, who is none other than the mother of Jesus. After explaining the tradition behind the miracle at Cana in detail, Brown indicates that the evangelist understands the role of the mother in relation to discipleship. This point is clear from the second scene where she appears at the foot of the cross (19,25-27). There are two great symbolic figures whose personal names are never mentioned in the Gospel. The reason, says Brown, is that their primary (not sole) importance is in their symbolism for discipleship rather than in their historical careers. The women, in this Gospel, are first-class disciples by telling that Jesus loved Martha and Mary and that Mary Magdalene was one of his own sheep. The mother of Jesus is given a further important role. She shares with the Beloved Discipleship an equal plane as part of Jesus true family. Brown is sure, after researching the evidence of the fourth Gospel, that the Johannine community valued the following of Christ and there was no difference male and female in that. To end the article, Raymond Brown writes: but even John has left us with one curious note of incompleteness: the disciples, surprised at Jesus openness with a woman, still did not dare to ask him, What do you want of a woman? (4:27). That may well be a question whose time has come in the Church of Jesus Christ. The Magisterium has closed any discussion on the possibility of ordaining women. But this article of Raymond E. Brown convinces his readers that there is still possibility of a discussion about the role of women in the Church as real missionaries and apostles to testify the risen Lord to the whole world. I may end my overview of this article with the words of Brown which he puts in one of his footnotes: At a time when we are engaged in a necessary debate as to who among the baptized can be ordained to priesthood or bishopric, it may be useful to remind ourselves that it remains more important to be baptized than to be ordained, more important to be a Christian than to be a priest, bishop, or pope.

Feasibility Study of Starting a New Business :: GCSE Business Marketing Coursework

Feasibility Study of Starting a New Business Introduction This investigation will carry out a study to see if it would be feasible to open a new nightclub, 'Sinners' in Maidenhead town centre. Maidenhead is a small town in the southeast of England, located in the county Berkshire. The nearest major city is London, which is located twenty-five miles east of the town. The reason I have chose to investigate this type of business venture is because I take an interest in this type of business as I would like to look into it in the future, and also feel Maidenhead possesses the qualities, and provides a great opportunity to start up a business of this nature and for it to be successful. To find out whether this business venture would be feasible, a feasibility study needs to be carried out covering all aspects relating to starting up a new business. Several tools will have to implemented to do so. There are two main types of tools that will be used; these include research tools and analysis tools. Firstly the primary research will include interviews and questionnaires, and from this the information needed such as demand levels and financial information will be analysed to help with the final decision of the study. For secondary research company account will be used, along with books, maps, and Internet sites. All these sources will allow me to find out about the local area of Maidenhead such as demographic information and statistics. All this research will aid me in being able to make my location decision. There are several analytical tools that will be implemented, and these will be marketing tools such as PEST analysis and SWOT analysis, financial tools such as cash flow forecast and break-even analysis. Then the final part of the report will be the analysis and conclusion, to actually see if it is viable to open a nightclub as a business venture in Maidenhead. Secondary Research Objectives and methodology Objective 1 The first is to decide where in Maidenhead Sinners is going to be located. Research on the infrastructure and rent values in maidenhead needs to be carried out so information can be gained on some of my start up costs. Locations of direct competition (other nightclubs), and indirect competitors (public houses/bars), which are located in the area will be researched, so the best possible location can be chosen in Maidenhead for Sinners. Method To find out information on land values in and around Maidenhead I will visit the local town hall and pick up some local information booklets. To find out about the local infrastructure and competitors of Maidenhead, I will use the local Windsor and Maidenhead borough

Development across

The important is that leaders who stand by their president should understand leadership styles and other factors such as cultural change, enumeration gaps, different reporting leaderships, wellness and effective communication principles that shape how they interact with other people. Our leadership development in this seminar is not for just to know about the History of the Presidents but also applying strategies in leadership. Not only that but also the values that we gain physically, mentally, socially, and spiritually.Review of related literature According to Brenda British, Knick Martin, Amy Sticking, Betray Tomato and Patti Tuck on their study â€Å"Literacy in Aftershock Programs† that one of heir goal is to build local capacity rich academic content through engaging and challenging activities, defined for purpose as academic enrichment. It is our belief that aftershock programs should not simply duplicate or extend the school day, but offer high-interest alternatives th at supplement school- day learning in a variety of ways.To do this successfully, aftershock programs must first consider the range of factors that contribute to providing effective academic enrichment to participants' . Et al â€Å"Literacy in Aftershock Programs†, 2005. The Impact of After School Programs That Promote Personal and Social Skills† by Joseph A. Durbar and Roger P. Heisenberg also studies about the impact of after-school programs.On the negative side, the unsupervised time puts youth at risk for such negative outcomes as academic and behavioral problems, drug use and other types of risky behavior (Hessian & Cottonseeds, 2001 On the positive side, young people benefit when they spend time engaged in structured pursuits that offer opportunities for positive interactions with adults and peers, encourage them to contribute and aka initiative, and contain challenging and engaging tasks that help them develop and apply new skills and personal talents (American Y outh Policy Forum, 2006; Carnegie Corporation, 1992; Larson & Verna, 1999; National Research Council & Institute of Medicine, 2002) . T al ‘The Impact of After- School Programs That Promote Personal and Social Skills†, 2007. â€Å"After-School Programs in the 21 SST Century† of Harvard Family Research Project. According to them, the country is now engaged in public discussions about how to best expand time and opportunities for children and youth in ND out of school in order to actively and effectively support their learning and development across the day, throughout the year, and from kindergarten through high school. Debate continues about the range of academic, social, and other types of knowledge and skills that children and youth will need to succeed as workers, citizens, and family and community members in a global world.However, most would agree that this list of knowledge and skills includes the kinds of outcomes that research suggests can be achieved thro ugh sustained participation in well-structured and well implemented after school programs and activities. Well-implemented programs can have a positive impact on a range of academic, social, prevention, and other outcomes, particularly for disadvantaged children and youth. .Et al #after; School Programs in the 21 SST Century†, 2008. Theoretical Framework According to George Herbert Mead's â€Å"symbolic interactions perspective† or â€Å"symbolic interactions†, we act towards people or things with regards to the definition we give to it.With the use of language we are giving meaning to people or things to communicate or to better understand each other. Symbolic interpretation is the way that we interpret things around us. In the way we understand symbols are modified through our thoughts. Minding/ inner conversation is a reflective pause or the two seconds halt our brain does when we are constructing what to reply. In the seminar we have encountered, we symbolize s the Presidents of the Philippines in we tackle their lives and what they have do or what they have contribute to the Philippines. It was also a successful way to present the present the Presidents of the Philippines that we have interpret them. Conceptual Framework Independent VariableProgram â€Å"MGM Dawdling Lagan, Racial Is President† Dependent Variable Attitudes Values Behavior This study was conducted to determine the impact of the program â€Å"MGM Taking Lagan, Racial Is My President' on the attitudes, values and behavior of the teacher education students of LISPS-SC from year 2012-2014. This study serves as a means of source to be use by all students in holding a seminar and to be a guide for them. There will be a result in conducting this result. Figure 1: Independent and Dependent Variable Statement of the Problem 1 . What is the profile of the respondents in terms of: . 1 Age 1. 2 Gender 1. 3 Year level 2. What are the outcomes of school programs? 2. 1 Opportun ities for skill building 2. 2 Conflict resolution 2. 3 Moral and character development 3.What is the impact of the program to the students? 4. What would be the result of this study when it is finished? Hypothesis The program â€Å"MGM Taking Lagan, Racial Is My President† has no impact on the attitudes, values and behavior of the teacher education students of L SPUN- SC from year 2012-2014. Significance of the study A seminar is a small group discussion in a formal setting with clear agenda. The agenda to be discussed is about â€Å"MGM Taking Lagan: Racial is my President† is a kind off Leadership program which helps us to provides a new kind of work and frequently a new kind of skill. Lessons from the past often help us to prepare for the future.It is imperative that this activity acquire the totality of the information and qualities of education through instructions and training which maximize the development of an individual physically, mentally and morally. For t he goal of the Seminar this kind of program is not only to find out if it is well done but instead, it seeks to find out what it achieved and if it is worth the expenses. Am finding that these skills are not only important for good leadership but life as well. Scope and Limitation of the Study This study will be done at the Laguna State Polytechnic University with the corresponding respondents which are the students of College of Teacher Education from 1st to 4th year. We will interview every two students in every year level to collect the information we must have for this study.

women and shopping essays

women and shopping essays There has always been a lot of interest in what actually goes on at an Ann Summers Party. Particularly by men... I wonder why? Well, its really no big secret. You organise for a bunch of women to be sitting comfortably in a friends home, with a glass of wine in one hand and a bowl of nibbles in the other, and you go out of your way to make sure that all these women have a good girly night in! My parties usually last about two to two and a half hours long, Brilliant for a Friday or Saturday night because you have your party booked to start at around 8pm and by 10.30pm you and all your mates are in the pub or the nightclub having already had a few drinks and well in the mood for a good night out! Well contrary to popular belief, your Ann Summers Party Organiser is not there to make complete fools out of you all (although the odd faked orgasm doesnt go amiss). Our aim is to entertain you and give you the option to look at and purchase items that you wouldnt normally browse in a shop for. We will usually start off with introductions, and run through all the things you need to know about payments; delivery dates; guarantees etc, and then we will loosen things up with a couple of party games. How risqu the games are is entirely up to the guests at the party, you can choose whether to be completely mad and make fools out of your friends or just to have a bit of a giggle, there is something for everyone! After the games we will start with the demonstration. This usually takes about an hour and you will be shown a selection of underwear, novelties, and sex toys! After the demonstration your organiser will encourage you to try on items of lingerie that you like, and will be on hand for you to approach with any questions you may have about the products. There will usually be a raffle during the evening where you will get the chance to win Ann Summ ...

Police Abuse misc essays

Police Abuse misc essays In recent years, police actions, particularly police abuse, has come into view of a wide, public and critical eye. While citizens worry about protecting themselves from criminals, it has now been shown that they must also keep a watchful eye on those who are supposed to protect and serve. This paper will discuss the types of police abuse prevalent today, including the use of firearms and receipt of private information. I will also discuss what and how citizens' rights are taken advantage of by police. For these problems, solutions will be discussed, focusing on political reform, education, and citizen review boards. These measures are necessary to protect ourselves from police taking advantage of their positions as law enforcement officers with greater permissive rights than private citizens. Because of this significant differential, all citizens must take affirmative action from physical brutality, rights violations, and information abuse. Problems arise, however, when one side is t old what to do by another, as there is bound to be conflicting viewpoints. In regard to police abuse, there will be many officers who feel that their job of fighting escalating street crime, gangs, narcotics violations, and other violent crimes is difficult already, and that worrying about excessive policy for abusive behavior will only further decrease their ability to fight crime effectively, efficiently, and safely. Citizens, however, have been caught up in this gung-ho attitude, and police are more and more often crossing the line of investigation and interrogation with abusive behavior. This abuse must be monitored so that police do not forget who they are servingnot themselves, but the public. This means that even the criminals, who are a part of the public, have certain rights, particularly, civil rights. All citizens must be aware of these rights to protect themselves against over-aggressive officers who take advantage of their position as badg...

How to prevent identity theft Speech or Presentation

How to prevent identity theft - Speech or Presentation Example While such crimes are easy to commit, their complexity makes them hard to investigate and prosecute them. It calls for each of us to identify-smart and make sure such crimes are stopped from spreading. It is a challenging task, but easy to win. What simply needs to be done is to follow the tips given by the experts, exercise extra care and we shall all be ahead of these identity thieves by a big step. It is a responsibility of each of us to rise to the occasion to prevent identity theft. But before we are ready to take up the task, we need to be informed of what identity theft mean. This paper is a presentation of how to prevent an identity thief. Identity theft, or identity fraud, according to the United States Department of Justice, are terms that are used when referring to all forms of crime in which an individual wrongfully obtains and makes use of personal data of that other person in some way involving deception typically for personal, economic gains (National Crime Prevention Council, 2005). Research has shown that by 2004, there were on average twenty million incidents involving identity theft in the U.S alone (Joseph, 2005). How this happens with all the securities in place, is a question everyone would want to know its exact answer. However, according to a study that was released by two research bodies (Better Business Bureau and Javelin Strategy), in early January 2005, most of the theft do take place offline, which is quite opposite of what majority of people might think (Joseph, 2005). The study found out that online information theft only accounts for about 11.6% of the total identity fraud cases. This, in essence, implies that limiting your use of own computer does not help much. Nonetheless, rushing into grabbing headline scandal that involve theft of thousands of personal records, coupled with the advent of pharming and phishing these involved in the theft might go a long way to the above figures dramatically. The findings of these studies, on the other hand, are extremely troubling. These studies indicate that almost half of the identity thefts are often committed by those people known to the victims. One other study in 2004, reported that on average 655,000 complaints that were registered with the agency, 60 percent were to do with fraud and 40 percent involving complaints of theft identity. Basing on the figures released by this study, the predominant form of identity theft was that of Credit card fraud that accounts for 30 percent of the theft reported. Utilities fraud was ranked second accounting for 20 percent of the identity theft. This was followed by Bank fraud that account for 17percent of identity theft. The FTC, as well conducted some study concerning theft committed on the internet, and it came up with 206,568 as a figure for the internet identity theft. It was also noted that about 89 percent of the victims said they suffered a financial loss, which was averaged at $1,440. Basing on these study Phoenix-Mesa- Scottsdale, Bernardino-Ontario, Las Vegas-paradise, and Riverside-San reported the highest number of identity theft. The FTC found out that of all that reported having been victimized in the U.S 8 percent aged 60 years and above with the largest number, 30 percent, falling in the range between 18 to 30 age group (Joseph, 2005). Following those figures, it becomes clear that identity theft is real and

QuaityEnhancemet Plan (QEP) Essay Example | Topics and Well Written Essays - 1000 words

QuaityEnhancemet Plan (QEP) - Essay Example The basic question raised and explored in the work, about human nature are, why human attitude undergoes change according to situations, and why the realization of fact does not help individuals to rectify their mistakes. The author makes use of the central character and his family members to expose human nature. For instance, Gregor knows that he is the backbone of his family. But when he is entangled in a problem, his family members desert him. This fact reveals that utility is the building block of relationships. On the other side, realization of this fact does not help Gregor to rectify his mistakes because it is too late to do anything. The story (say, novella) shares/explores general assumptions that a family must be a safe haven to its members, and must be a social institution. One can see that individuals consider their families as a safe haven, away from the mainstream society. Besides, the mainstream society considers family as an institution, controlled by breadwinners. The story explores the possibilities of family’s role in protecting the members from external and internal problems. In addition, the writer tires to follow the feelings of the central character (Gregor), who is deserted by his family. Still, this negative attitude towards the function of a family is the main reason behind the conflict in the novella. Besides, the author proves that human beings ignore the moral aspects of relationships. One can see that the main character’s metamorphosis alienated his family from the mainstream society. To be specific, the other members were forced to undertake the responsibility of their family. For instance, financial problems forced his father to do work. On the other side, his sister gives up her dream and decides to work as a salesgirl. Besides, his mother was forced to be under emotional turmoil, originating from her motherly attitude towards her son and practicality. Gregor