I was born Hispanic free essay sample

Describe any experience of cultural difference, positive or negative, you have had or observed. What did you learn from it? â€Å"My girlfriend†¦you know the tall brunette, well she swore he was just a friend†¦ but when†¦Ã¢â‚¬  â€Å"Be quiet, Matt. I’m trying to teach.† Quivering with impatience, the words had absolutely no effect. â€Å"No! Hold on†¦I’m not finished yet.† Returning to his tragic love story, Matt faced me and the rest of the table, his loyal listeners. Yet again the teacher interrupts. â€Å"Matt do we have a problem?† It was more of a threatening command than a concerned questioned. Annoyed, he replies, â€Å"Yeah we do. You won’t let me finish.† â€Å"Come see me after school.† There wasn’t a day when the teacher wasn’t disrespected, talked back to, and simply ignored. This was expected of the Hispanic students; the lack of respect for education, the expectation that the y wouldn’t amount to much in school. We will write a custom essay sample on I was born Hispanic or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page But in Sophomore English those degraded values and flimsy ideas towards education and its impact was almost every kid’s mindset. Each student contributed graying attitudes and negligence that weaved a unique environment. A class culture that impacted me as much as my Hispanic culture did concerning what role education would play in my life. I never was exposed to people who valued education. Of course, I saw Caucasian kids who planned to go to college, but they werewell, they didn’t have an accent. They didn’t have immigrant parents who depending on me for translating. They weren’t expected to be pregnant at sixteen or jumped into a gang. None of it. They had parents who spoke English fluently and who paid them for their grades. They were expected to attend college. They were expected to fulfill the American Dream. Yet, in sophomore English, it didn’t really matter what race, background you were. Everyone there hated English. Despite this common g round, I stayed close to mis amigas. Within my comfort zone, I watched the blond girl sitting next to me bring vodka, usually on Mondays because she was still hung-over from the weekend. I wondered if I should say anything when I saw the homegurl toss marijuana out the class room window to the homeboy waiting outside. Education meant nothing to them at all. Despite being exposed to this, I didn’t perfectly assimilate like the ten other failing students did, but it affected what goals I had. I struggled even seeing myself at community college. At the end of the year, the teacher advised me to take AP Language and Composition as a junior. She also offered it to two of my friends. We agreed. Liars! My friends had dropped the class. Walking into AP English, I felt highlighted in that room. Further into that period, just the way these students talked and acted was already intimidatingly different from last year. They participated in class discussions. They did homework. They frett ed about their grades. Most of them had taken Honors Sophomore English, the one where there weren’t hung-over students bringing vodka. They practice fierce academic vocabulary. Last year they just cussed hella. Isolated both ethnically and intellectually, I wanted to drop the class but stuck it out. This scholarly culture valued education, despite their financial or ethnic background, respected education as their sacred road to rewarding future. During group discussions, I found out that my different perspective as a Hispanic student could also contribute ideas or values or unearth details. Seeing fellow Hispanic students focus academically and succeed in an AP class culture helped me assimilate into obtaining an AP mindset where education is in the limelight. In my Hispanic peers, I watched unfolding success when society foretold failure. I was born Hispanic, but I wasn’t born into a failing stereotype. I embrace my roots, my different yet enlightening perspective, b ut I refuse to tolerate any limitations. I will guard my education, planting it in promising academic soil, an environment rich and diverse where I will be able to grow as I did in my AP Language and Literature class

The Meaning of To a T

The Meaning of To a T The Meaning of To a T The Meaning of To a T By Mark Nichol The expression â€Å"to a T,† as in â€Å"That suits you to a T!† is often mistakenly written or said as â€Å"to the T† (or â€Å"to a tee† or â€Å"to the tee†). This type of alteration occurs often in idiomatic phrases (note â€Å"all of the sudden† and â€Å"for all intensive purposes,† among others). In today’s anarchic publishing environment, writers are free to consciously or unconsciously style such phrases however they choose, but careful writers will preserve prevailing norms. But what, exactly, is a â€Å"T†? None of the various proposed origins of â€Å"to a T† is definitive, but only one makes any sense. The opinion that it refers to how well a T-shirt fits is nonsensical: The term for a collarless, short-sleeved shirt is less than a hundred years old, and the expression dates to the late 1600s. That also disqualifies the more plausible theory that it alludes to the precision a T square, the T-shaped drafting tool, enables; the first attested use in print of the tool’s name postdates the first use of the phrase by nearly a century. And is has nothing to do with the golf implement known as the tee, which has always been spelled as such (though the spelling error â€Å"to a tee† goes back hundreds of years). Most likely, the phrase is descended from the expression â€Å"to a tittle.† A tittle is a small mark used in orthographic details, such as the dot over an i or a j or a diacritical mark such as an accent mark, and the sense is â€Å"to the smallest detail.† But why isn’t the expression styled â€Å"to a t†? That’s because uppercase letters are the default setting when using a letter to represent something. Report cards have As and Bs (but, the recipient hopes, no other capital letters), the force of gravity is expressed as a multiple of Gs (the capital letter is the scientific symbol for gravity), and X, not x, marks the spot. (We also use uppercase letters such as S and V to denote shapes- though, like X as a location marker and the other uses referred to above, they should not be italicized in those contexts, because they do not literally represent letters.) There are a couple of exceptions: The context of â€Å"Dot your i’s and cross your t’s† and â€Å"Mind your p’s and q’s†- if one accepts the contested interpretation that the latter originally referred to easily confused letters- requires lowercase letters. Does teetotaler have any connection? The word for someone who abstains from alcohol goes back nearly two centuries but originally referred merely to intensification of one’s feelings about being totally devoted to something, with tee attached as a form of reduplication. But as the differing spelling indicates, this word has nothing in common with the expression â€Å"to a T.† Want to improve your English in five minutes a day? Get a subscription and start receiving our writing tips and exercises daily! Keep learning! Browse the Expressions category, check our popular posts, or choose a related post below:7 English Grammar Rules You Should Know44 Resume Writing TipsPreposition Mistakes #1: Accused and Excited

PACT analysis and prototype design for an interactive system Coursework

PACT analysis and prototype design for an interactive system - Coursework Example PACT - People, Activities, Contexts, and Technologies- is acknowledged as a beneficial framework for thinking about a design scenario in relation to a very interactive system (Lloyd, 2005). Undertaking a PACT analysis would be valuable for both analysis and design operations; understanding the situation at hand, finding where possible improvements can be done and envisioning situations in future. With PCT analysis one is able to gather all the research on target end users and scope out of the variation of various people, contexts, activities, and technologies possible in context. Depending on the analysis, one can develop concrete and clear scenarios of how target users would be interacting with the Shared Student Shopping System. PACT analysis findings are represented below: The people involved currently in this kind of system are basically students who are on session at various institutions and are being accommodated in institution’s hostels or any of the institution accommodation premises. A part from students, institution workers may not be left out because at times they are found with students purchasing groceries at various kiosks. In as much as the employees can as well benefit from this system, major end users who are to benefit are the students. At times controlling pocket money becomes a problem and a student may be left wondering what next after he or she has spent all the money and still needs to survive. Dedicating a grocer to supply groceries at times is challenging due to consistency issues which may leave the customer unsatisfied and very annoyed (Neeraja, 2011). Coming up with a system that can satisfy both parties can be of great relief since every party would benefit accordingly. An institution normally has students with different abilities; it is within this population that one hardly misses a disable student. Whenever building a system that target particular users, all factors should be considered

UNIT 4 INDIVIDUAL PROJECT Essay Example | Topics and Well Written Essays - 500 words

UNIT 4 INDIVIDUAL PROJECT - Essay Example Anti-Abortionists on the other hand agree in unison that it is pretty much in defiance as laid down in the holy books of God to commit such a heinous act like abortion. The rationale that can be provided here is that if at any point in time it was in defiance with the laws as proposed and put forward by God, then it is between the woman under question and her God and she is the one who will be the recipient of chastisement with regards to the abortion decision that she has taken. A number of people are of the view that abortion can threaten a mother’s life and hence should be deemed as illegal right from the onset. Again there are some opinions which suggest that if the mother does not want to have the baby then it would be best to at least give birth to the newborn and give it to some orphan house so that those women who do not have children in their lives can raise their families in accordance. This seems pretty valid since giving a newborn for the sake of adoption is a good route none the less if a family is against the birth and the eventual raise of the baby. This is due to the fact that at times it has been seen that these children suffer immensely as they sit for ages in the orphanages making them look like unwanted guests in this world. Different people raise different opinions but this is true that each one of us has a responsibility towards the society and thus we should be responsible enough of take it. Indeed abortion is a very sensitive topic that has been shown flames during its discussion in different meetings and seminars. Controversy is one thing that is sure to make rounds of these board room meetings and hospital seminars. Then again, choosing whether one should have an abortion or not is pretty much dependent on the family and more so the mother, if not the father as well. This is said so as to make sure that the society does not have to pay for the unwanted and

Labor Relations in Different Organizations in The United Arab Emirates Essay

Labor Relations in Different Organizations in The United Arab Emirates - Essay Example The following paper analyses, types of work permits, the different categories of violations, and the human rights of laborers in the UAE. A look at the Dubai bank also provides input on the above issues (Allah 1978, p. 78). The beginning of 2011 saw the introduction of work permits in the UAE via the Cabinet Resolution No. 25 of 2010. They include; work transfer, temporary, part-time juvenile persons and personnel sponsored by kin work permits. The work transfer permit covers non-nationals working in the UAE transferred between organizations within the UAE of which must be registered by the Ministry of Labor. Temporary work permits, on the other hand, cover both national and non-national personnel working on a project for less than six months. Part time work permits cover individuals working part time for few hours compared to full time workers who work for extra hours (Allah 1978, p. 156). The number of hours specified by the Ministry of Labor for full time employment includes eight hours excluding lunch breaks; therefore, hours worked less than the outlined eight hours constitute part time employment. This allows both national and non-national personnel to take up more than one job unlike in the past, whereby, people were only allowed to have one job at a time. However, changes of the intricate details of this permit are still underway. This is because various issues keep arising with the encountering of different milestones. Juvenile persons’ permits cover young individuals between 15 to 18 years seeking employment within organizations. Permits for personnel sponsored by their kin cover dependants sought to work for an organization. Meaning expatriates finally have the opportunity to act as their dependants sponsors. This allows their kin to acquire work permits despite them not being eligible for any of the above listed permits (Allah 1978, p. 198). Therefore, the introduction of different types of work permits made it easier for the Dubai Bank Human Resource managers to recruit personnel in an easier way. For example, they were able to capitalize on the permits for personnel sponsored by their kin. This is because; they used these permits as incentive when soliciting the services of expatriates. These permits allow dependants of an expatriate to get employment easily because getting a work permit ceases to be an obstacle. Therefore, Dubai bank officials continue to embrace the gradual changes implemented by the Ministry of Labor (Pawan 2007, p.77). With the recent global recession, violations of labor regulations in the UAE increased dramatically. As a result, the Ministry of Labor came up with policies which sought to address these violations. Companies like the Dubai bank, therefore, readjusted their labor relation policies to accommodate the reevaluated regulations from the Labor Ministry. The Ministry made three categories of violations known to the public. Black points awarded by the Ministry showed the seriousness of the se violations. The more the black points earned by an organization, the severe the penalties imposed. Penalties were either fines or the organization would be downgraded in severe cases. The latter’s imposition occurred when a firm acquired more than 100 black points in any given year (Pawan 2007, p.119).  

Essence Of Decision: Explaining The Cuban Missile Crisis

Essence Of Decision: Explaining The Cuban Missile Crisis Essence of Decision: Explaining the Cuban Missile Crisis, by Graham Allison and Philip Zelikow examines the momentous Cuban Missile Crisis, which was one of the most successful acts of diplomacy during the Cold War. Allison and Zelikow explore through three different conceptual lenses accommodating the reader to look further into common methods of foreign policy analysis. Allison and Zelikow evaluate the events of the thirteen days in October 1962 to demonstrate the models of policy analysis from different perspectives. The authors provide ample historical reviews, evidence and documents of the events, and offers thorough analyses of the crucial time of the nuclear age by also presenting new methods to consider with foreign policy actions. The three conceptual models, which can be used to analyze policy actions; the Rational Actor, Organizational Behavior, and Governmental Politics Models are described and applied to the Cuban Missile Crisis case. Each model demonstrates different fe atures and areas of the fundamental decisions made by both the United States and the Soviet Union during the crisis. Allison and Zelikow clarify that even though there is no whole understanding of the situation as it happened at the time, and it will never be likely, however using these three theoretical lenses it will help gain a closer understanding and more of an awareness of all of the elements and the choices that were made at the time. In this essay I will attempt to draw some understanding of the decisions the United States made towards the Cuban Missile Crisis by using Allisons three conceptual lenses from the Essence of Decision, which is an analysis of the crisis itself and the decision making in the resolution procedure. Graham Allison and Philip Zelikow present Model I as the most commonly used method of evaluating foreign policy actions, this method is titled the Rational Actor Model, also known as RAM. RAM is a way of understanding policy actions taken by states, by considering the country as a rational unitary actor. The rational framework is also the most frequently used method in determining decisions between policy choices in the adoption and evaluation stages of the policy cycle. Whilst analysing an action undertaken by a state towards another state, the RAM presumes the actions taken place are intended, value maximising and strategic. The authors quote for each explanation an act consists of showing what goal the government was pursing when it acted and how the action was a reasonable choice, given the nations objective (Allison Zelikow, 1999, p. 15). This allows us to understand how people go about making decisions, as it is done implicitly, without the person unintentionally realising the y are doing it. The main questions in the Essence of Decision book that were answered in regards to the crisis are; Why did the Soviet Union place offensive missiles in Cuba? Why did the US respond to this action with a blockade around Cuba? And why did the Soviet Union withdraw missiles in response? Looking at the situation in understanding the US decision-making reaction to the actions, the RAM analysis considers after evaluating a number options, and considering Kennedys goals, by assessing the quality of the search for options and their respective outcomes, and check whether the final choice promised to achieve his original goals to the extent that the decision-making process comes close to this ideal model, we can say that it was rational (Allison 1999, p.33), and a blockade would have the best chance of sending the desired message to Moscow without provoking a military response. Allison and Zelikows Rational Actor Model, examines the question of whether we can understand clea rly the move made by a country in the international policy arena as a rational choice? For instance, the concept of bounded rationality appears clearly in foreign policy decision making, even when there is a central decision maker of a state, for example a leader or president who has supreme choice over all courses of action, their rational decision making will be hindered by the fact that they have no idea what the opponent is thinking. This can be referred back to the Cuban Missile Crisis; where President Kennedy and his advisors, the ExComs failed attempts at trying to understand why Khrushchev made certain decisions and actions. Since the international policy arena often deals with competitive oppositional opponents who keep their true intentions hidden as a means of accomplishing what they want (Lindbolm, 1959, p.113-127). President Kennedy becomes the driver of the debate by making sure his team cautiously takes each step of the crisis to probe deeper implications of each opti on and to stretch their imagination (Allison Zelikow, 1999, p. 357) as the mass of diverting nuclear war cascades upon him. Thus helps us understand why the US made a rational decision with the blockade as it had several advantages, one being it did not constitute direct attack, secondly it placed the burden of the next move on Khrushchev, and also kept other options open. This is when the USSR decided to withdraw, that is because it recognised US strategic superiority. The book argues that in fact the USSR backed down in face of US warnings that further actions would follow if the missiles were to become operational. The second Model, Allison and Zelikow presents are the Organisational Model of foreign policy. In this model, it is understood that countries and governments are not unitary actors but are stated as vast conglomerate(s) of loosely allied organisations, each with a substantial life of its own (Allison Zelikow, 1999, p. 143). The authors state that Governments perceive problems through organisational sensorsà ¢Ã¢â€š ¬Ã‚ ¦they define alternatives and estimate consequences as their component organisations. And process information So, the government movements are not so much logical choices decided upon by one central decision maker, but are the productions of many organizations all functioning according to standard patterns of behaviour. The effects to consider with this organisational model illustrate that the importance of looking at governmental actions this way gives us a clear understanding of why the United States made the decisions in this crisis. For example, nearly all govern ment actions in foreign policy are carried out by organizations, whether it is the Forces or the CIA, in this case, the government carrying out the policies are divided with the military and intelligence agencies. Furthermore, organizational actions are also limited and known by standard operating procedures, with what has been done before. The model which the authors present provides us with a curious opportunity to look at the role of bodies that play in foreign policy making in different ways. In Model II, Allison and Zelikow present a way of looking at policy decisions that are completely well ordered by the bureaucracy, although it may not be the government that makes the decision. In understanding the United States decision-making process with Model II, the deliberations of the EX-Com that produced possible alternatives were alternatively answered by the organisations, What specifically, could be done? (Allison Zelikow, 1999, p. 225). President Kennedys actions were limited b y what the military organisations could do, since their actions and decisions made were backed up with experience and previous choices in foreign policy. Essence of Decision illustrates that organisational capacities are fundamental in international policy making. Model II also allows us to understand examples of how organizational behaviours shake the implementation of certain policies. For example, the situation by the Soviet troops lack of camouflage of the missiles in Cuba, and President Kennedy rushing to control with the test flights over Soviet air space. If this occurred after the crisis had begun, there might have started a nuclear war due to wrong interpretation other than a test flight. This example suggests that there is always more to the situation of a rational decision. The authors allow us to look through other lenses to give us more of an understanding of how the US made certain decisions throughout the crisis. The third model that Allison and Zelikow illustrate in the Essence of Decision is the Governmental Politics model also known as the Bureaucratic model. Model III consists of policy actions as a process where state actors bring their personal thoughts, opinions and ideas together to achieve separate goals and decide upon a course of action collectively, which may conflict with each other. In Essence of Decision the authors explain why it is necessary to identify the games and players, to display the coalitions, bargains and compromises, and to convey some feel for the confusion (Allison Zelikow, 1999, p. 257). In this case, various individuals, representing various organisational interests engage in a process to achieve a negotiated group decision, which will represent the policy of a state. During the Crisis all US decisions were created by ExCom, President Kennedys inner circle of advisors that were composed together specifically for the missile crisis. Allison and Zelikow discusse d the Ex-Com members and their ideas, the significance of the Cuban issue to Kennedy, and generally try to illustrate an overall political atmosphere behind the U.S. decisions. Allison proposed in the book that because of the failure of Bay of Pigs invasion, the Republicans in the United States congress made Cuban policy into a major issue for the upcoming congressional elections later in 1962. Therefore President Kennedy decided on a strong response rather than a diplomatic one. Although the majority of ExCom initially favoured air strikes, those closest to the president, (his brother Attorney General, Robert Kennedy and Special Council General Theodore Sorensen) favoured the Blockade. At the same time Kennedy got himself into disputes with supporters of the air strikes, such as Force General Curtis Lemay. After the Bay of Pigs fiasco, Kennedy also distrusted the CIA and their advice. This combination of push and pull led to the implication of a blockade. (Essence of Decision Prese ntation, u.d) Because of the nature of many foreign policy decisions and the ultimate importance of the decisions they attempt to make, the public and congress can generally defer any decision-making powers to the president even if they know the situation. For instance, in Essence of Decision, we see that the president makes his decision very quickly and through complete blankness, where there were no influence from Congress, or the public as they were unaware of the actions until the White House made the statements. Allison and Zelikow mention a few times in Essence of Decision how different the situation of the Missile Crisis would be if it had happened in todays world with the immense public knowledge forcing decisions within hours rather than days. As it was, the president only had to challenge with the rivalry of ideas of his team of advisory. They brought in organizational and political thoughts from the head of agencies such as the military, which all had their own aims and o bjectives within the whole situation. As Wildavsky states, the president can nearly always gain support for his foreign policies, however his problem is to find a viable policy (1966, p. 237). For many parts of the politics Kennedy had to perform, were very limited in comparison to the domestic policy situations that occur. This model in comparison to the first two models may not illustrate an informative policy analysis, however it does offer a strong case in understanding why Kennedy came to the decision of a blockade. With essentially no opinion from the populous, the small governmental group made their decisions that could have meant life or death of millions of people. Thankfully, the Cuban Missile Crisis was settled by USs decisions. Graham and Zelikows Essence of Decision: Explaining the Cuban Missile Crisis helps us understand USs decision-making throughout the thirteen days by allowing us to look through three distinctive conceptual models. The three models shown throughout the book can be used to help understand policies at any level, from domestic to foreign. Looking into actions by governments through a rational, organisational and political lens seems necessary to fully understand the moves that Kennedy took and the game Khrushchev played. I believe we are used to taking a more full approach to accepting domestic and local policy decisions because we are more alert of the aspects going into the decisions. This book helps us understand why Kennedy and ExCom made a rational decision after evaluating options ranging from doing nothing to a full invasion of Cuba, and then finally a blockade was selected because it wouldnt necessarily escalate into war, as well as forcing the Soviets to make the following move. The organisational process model allowed us to understand how Kennedy operated under time and information constraints whilst engaging in satisficing behaviour. Kennedy and Excom never really considered any other options besides the blockade or air strikes, and initially were almost solidly in favour of the air strikes. However, such attacks created huge doubt because of the US Air Force, as they could not guarantee it would disable all nuclear missiles. The blockade felt to be the safest option in that case. The bureaucratic politics model also helped us understand Kennedy and ExComs different level of power based on charisma, personality, skills of persuasion and personal ties to the head of the decision maker. Even whilst sharing the matching goals, the leaders contrast in how they accomplish it because of elements such as personal interests and background. These all have an impact on why the US made certain decision on choosing the blockade. This book constructs us to comprehend why international decisions are made, and helps simplify why rational reasons are behind certain actions. Applying the organisational process model and the governmental model to the foreign policy actions it gives us an insight to the possibilities of miscommunication, misunderstandings and disagreements that can also happen in such situations more than what we believed. Overall, Essence of Decision has helped to an extent with relevant information and evidence to support Allison and Zelikows three conceptual models, with an understanding of why the United States decided to choose the blockade option.

Sudden Infant Death Syndrome (SIDS) Essay -- Crib Death SIDS

Sudden Infant Death Syndrome (SIDS) Many questions about the causes of Sudden Infant Death Syndrome (SIDS), also known as â€Å"crib death,† are still unresolved. The mysterious and elusive nature of SIDS creates problems, doubts, and more questions. This paper will present some of the most commonly asked questions as well as the answers that have been uncovered by scientists after years of research and study. In 1969, researchers agreed to define SIDS as â€Å"the sudden death of an infant or young child, which is unexpected by history, and in which a thorough postmortem examination fails to demonstrate an adequate cause of death† (Bergman, 1970). What Causes SIDS? The cause or causes of SIDS are still unknown. Most researchers now believe that babies who die of SIDS are born with one or more conditions that make them vulnerable to both internal and external stresses that occur in the normal life of an infant. Most deaths from SIDS occur by the end of the sixth month with the greatest number taking place between two and four months of age. A SIDS death occurs quickly and is often associated with sleep, with no signs of suffering. More deaths are reported in the winter months and most victims are boys, with a sixty-to-forty percent male-to-female ratio. How Many Babies Die from SIDS?   Ã‚  Ã‚  Ã‚  Ã‚  From year to year, the number of SIDS deaths tends to remain constant despite fluctuations in the overall number of infant deaths. The National Center for Health Statistics (NCHS) report...

Compare and Contrast: Cinema or Movies at Home Essay

The average American spends about $2,000 a year on entertainment. Many people can conclude that watching a movie in a cinema is very memorable and interesting. Although a cinema doesn’t compare to the privileges you have at home. Then again your home cannot provide you with a huge screen and a big volume. Being at a cinema has its benefits but watching a movie at home easier and inexpensive. In a cinema you get to watch the movie on a huge screen with a comfort volume surround sound system. The graphics are way better than your small box television. When you go to the movies you must be on time. You also have to be courteous to others around you and respectful otherwise you could get thrown out. At the movies you do not have a remote to pause in case you need to go to the restroom or ask what is happening in the movie itself. At the movies you do not get to recline in a comfy chair. You must sit properly and make sure you don’t bother others around you. At the movies you have to whisper if you need to talk. Then when there is a terrifying part you are strained from screaming or you’re at the hilarious part in the whole movie and you have to stifle your laughter. Being in a cinema there are many rules you must go by while at home you may have some rules but not as strict. Then if you don’t like the movie at all it was a waste of time and money plus no refund. There are many disadvantages when going to the movies even with the few pros the cons overpower. Now when you go to the movies you get to choose your time to start the movie. There is no limit as to when you must be in a chair watching the movie. Plus you can skip all the boring previews and get straight with the movie. Then you can add subtitles if you would like where at the movies you don’t have that choice. You get to recline in your personal sofa and you can wear your pajamas! You don’t need to dress like you would if you were in public you can be comfortable in your own home. This also gives you a sense of security and ease. Then this creates a bond with you and whoever you decide to watch the movie with. You could also watch previous movies prior to the new movie you want to watch. You have your own personal marathon with friends and family. The relationship between you and your friends or family builds and is good in the future. Plus at home you can invite anyone you want free of charge and you don’t have to worry if someone will have the money or not. You don’t have to waste so much money on buttered popcorn that is cheaper by the box and you get more than you would in a large bag at the cinema. Then if you feel that you need to go to the bathroom you have a remote to pause the movie. You get to watch the whole movie and you don’t even miss a single part. Also in case you get lost throughout the scenes you can pause and ask those you are watching the movie with what is happening. Then fast forwarding and rewinding are also an option you can do at your home. In addition you do not have to worry about others ruining the movie experience for you. You do not have to refrain from screaming, laughing, crying, sighing, est. during the movie.

Essay Sample on the Reinforcement of Separation Between God and People

Essay Sample on the Reinforcement of Separation Between God and People The separation between God and people was born at the very beginning of the existence of human beings. Chapters 1-3 of the book of Genesis illustrate the famous Creation account where the idea of separation was first established. From this point and further in the Old Testament, this idea was even more reinforced. The strongest proofs of division between God and people are found in the stories about Gods choice of Abraham to form a chosen nation, Gods exclusive defense of his special people in Egypt, Gods support of Israels holy war against the inhabitants of Palestine, and Gods ultimate revenge on Israels enemies at the end of all time. The separation idea is based mostly on division of all the people by God into two groups – â€Å"insiders† (chosen or special) and â€Å"outsiders† (not chosen). In Gen. 4 God likes Abel more than Cain and this is because Abel brought God â€Å"fat portions from some of the firstborn of his flock† (Gen. 4:4) as an offering while Cain brought him some fruits. It follows that God likes fat that is the flesh of an animal. But to get this fat somebody must kill an animal. It means that God needs death and pain (sacrifice). When God showed preference to Abel’s offering, he treated Cain unfairly. This situation created a feeling of jealousy and separation which in its turn served as an incentive for Cain to kill his brother. It looks like God is guilty for everything that happened because he showed a special love. In Gen. 12 God makes a great choice – he chooses Abraham in order to create a chosen nation through him. First God makes Abraham leave his country and people (God separates him from others), then God blesses him and all his descendants, â€Å"I will make you into a great nation, and I will bless you†¦ and all peoples on earth will be blesses through you† (Gen. 12:2-3). Again God shows preference to one person and one nation over others. God doesn’t explain why he likes one people and hates others. It is a sign of his capriciousness and ego. It is very similar to that how people now choose friends to support their ego. God promises Abraham to make his name famous (Gen. 12:2) but the whole sense lies in such words, â€Å"I’ll make your name famous, because you’re going to be my guy. You’ll go to other places and tell about me†. This is exactly how God supports his ego. In Gen. 12:7 God promises that he will give the land of Canaan t o Abraham’s descendants (so that Israel could feel superiority to Canaanites). When Abraham comes to Egypt (Gen 12:14), he says that his wife Sarah is just his sister. Pharaoh takes her in his palace as a wife and Abraham acquires a lot of stuff (Gen 12:16). But God punishes Pharaoh and his household because of Sarah (Gen. 12-17). If to think logically, Pharaoh is not guilty at all. It is only Abraham who is really guilty for this because he himself said that Sarah was just his sister. It follows that God anyway cares about chosen people only, since he punished Pharaoh instead of Abraham. In Gen. 15:18 God makes a covenant with Abraham and promises that his nation will be superior to others, â€Å"To your descendants I give this land, from the Wadi of Egypt to the great river Euphrates – the land of the Kenites, Kenizzites, Kadmonites, Hittites†¦Ã¢â‚¬  Chapter 17 is a priestly account of God’s covenant with Abraham. Here there is one more proof that God chooses favorites to satisfy his ego, â€Å"The whole land of Canaan, where you now reside as a foreigner, I’ll give as an everlasting possession to you and your descendants after you; AND I WILL BE THEIR GOD† (Gen. 17:8). God also establishes a sign of covenant – every man must be circumcised (Gen 17:9-14). Again it proves that God needs pain of sacrifice. Everything involved in pleasure must feel pain. God expects Abraham to do what is right and just (Gen 18:19). It follows that God knows exactly what it means to be just and righteous. So, there is a paradox – justice stands for equal treatment or fairness, but God doesn’t treat all people equally; instead of this he chooses favorites. Chapter 22 illustrates how Abraham is tested by God. At that moment Abraham has two sons – Ishmael (son of Hagar, Egyptian servant) and Isaac (son of Sarah). God promised that the chosen nation will come from Sarah that is from Isaac (Gen 17:16). It means that Isaac is â€Å"inside† a special group while Ishmael is â€Å"outside† (God again makes an exclusive choice and separates people). So, God decides to test Abraham and commands him to sacrifice his son Isaac (Gen 22:2). When Abraham is already about to slaughter Isaac, God stops him (Gen 22:12). God just wanted to see if Abraham FEARS him, â€Å"Now I know that you fear God, because you have not withheld from me your son† (fear creates separation). God doesn’t let Abraham kill his own son, but Abraham sees a ram that was stuck in the bush by its horns (Gen 22:13), so he takes it and sacrifices instead of his son. It follows that something must die anyway because God needs pain. God tested Abrah am because the death of son must have caused guilt, and guilt entails the fear before God. God wanted to see this. It looks like God doesn’t want people to be happy. He just wants to satisfy his ego. As soon as they feel happy, a fear to lose it appears. People think that God is angry at them and they try to smooth his anger by their own pain. That’s why there is an idea that to satisfy God one must take a thing he or she loves the most and destroy it (the same idea is seen in Ex.13:12 – â€Å"every firstborn belongs to God†). Chapter 25 tells about a birth of Isaac’s sons – Esau and Jacob. Esau has a birthright because he is elder son. It means that he is blessed and is â€Å"inside† of a special group, while Jacob believes that he is â€Å"outside†. Jacob wants to obtain blessing in order to get to â€Å"insiders†, that’s why he makes a trick on his brother Esau so that Esau sells Jacob his birthright (Gen 25:29-34). Blessing is based on the fear of being â€Å"outside†. Then Jacob deceives his father in order to take blessing (Gen 27:14-29). Jacob cares neither about respect to God, nor about faith (Gen 27:20). The only thing he cares about is blessing. When Esau realizes that he is cheated and deprived of his blessing, he gets angry at Jacob and decides to kill him: â€Å"The days for mourning for my father are near; then I will kill my brother Jacob (Gen 27:41). It proves again that special love creates jealousy and attack which reinforces the separati on from God. Having being in fear to be killed by Esau, Jacob flees to Laban, his mother’s brother, and gets married to his daughters (Gen 29). Gen. 30:27 points out the idea that Laban thinks that he got blessing only because God blessed Jacob, so it looks like everyone in the story of Jacob wants blessing (to be â€Å"inside†). In Genesis 30:29-43 Jacob fools Laban and gets rich at the expense of Laban’s wealth. Then Jacob flees with all he had to the land of his father (Gen 31:21), but he fears to meet Esau, so, he sends messengers to his brother and instructs them to tell, â€Å"Your servant Jacob says†¦Now I am sending this message to my lord, that I may find favor in your eyes† (Gen. 32:4-5). It contradicts to what Isaac said to Esau in Gen. 27:40, â€Å"†¦you will serve to your brother†. Here Jacob calls himself servant. There is a direct correspondence between attack and fear of attack. Jacob cheated his brother and now expects to be punished. He is in constant fear. Jacob is weak because he is always trying to solve problems for himself (by cheating his brother, father, and brother-in-law). In Gen. 32:22-29 Jacob has a dream as if he was struggling with God (but it probably was the angel of death). In this dream Jacob also needs blessing (Gen. 32:26). In chapter 33 Esau meets Jacob and embraces him. He has already forgiven his younger brother but Jacob continues to fear Esau and waits for attack from him (Gen.33:12-17). This fear of attack creates separation. In Exodus 3 God again makes a choice. He chooses Moses to bring Israelites out of Egyptian slavery (Ex. 3:7-10). God doesn’t want to be as close to his chosen one as previously, he wants to be holy, â€Å"Don’t come any closer. Take off your sandals, for the place where you are standing is holy ground† (Ex. 3:5). There is the idea that God is too perfect to even be close to him. God has never done this to Abraham. Here the separation is even more reinforced. God points out that Israel is his â€Å"firstborn son† (chosen nation which got blessing) (Ex.4:22). He hurts Egyptians with 10 torments (plagues). Moreover, when God is sending plagues on Egypt, he by himself doesn’t let Pharaoh allow Israelites to go: â€Å"But I will harden his heart so that he will not let the people go† (Ex. 4:21). The same idea is found in Exodus 7:3; 9:12; 10:20; 10:27. In Exodus 6:6-8 God stresses that HE is the Lord of his chosen nation, that HE will bring them o ut of Egypt, and that HE will give them a promised land. Other references to this idea can be found in Ex. 7:17; 10:2. God really cares about his ego. In Ex. 8:22 God avowedly makes a distinction between â€Å"his† people and Egyptians: â€Å"But on that day I will deal differently with the land of Goshen, where my people live; no swarms of flies will be there† (the same distinction God makes in Ex. 9:4; 9:26; 10:1). In Ex. 9:13 God calls himself God of Hebrews only. It follows that God sent all the plagues on Egyptians just to show how powerful he is. He himself set up that situation with Pharaoh and plagues to make Israel fear (Ex. 9:30) and exalt him (Ex. 9:16), thus satisfying his ego. All this stands for the idea of separation model. Chapter 11 accounts for the last plague – killing firstborns by Yahweh. Again God divides between Egypt and Israel (Ex. 11:7) and hardens Pharaoh’s heart (Ex. 11:9-10). He commands Israelites to slaughter a lamb and sprinkle its blood on the doorframes of their houses to be protected from God passing by at night and killing firstborns (Ex.12:3-7, 12-13). It means that blood is what God needs to see in order not to kill. God calls this day Lord’s Passover and tells Israel people to commemorate this day (Ex.12:14). If to think more deeply about what Passover actually celebrates, one may conclude that this is the celebration of separation between God and all the mankind. It celebrates the fact that God makes a distinction (separation) between Israel and Egypt (God kills the Egyptian firstborns only but doesn’t touch Israelites), and it also celebrates the separation between God and his people. The second conclusion is based on the fact that God establishes Pa ssover rules and restrictions (laws of separation) that must be kept by Hebrews (Ex. 12:15-20, 43-50). These rules and restrictions entail a due to follow them because in opposite case God might get angry. It follows that as soon as God set up these rules, fear to break them appeared, and fear gives rise to separation. Chapter 13 points out that Hebrews must consecrate all the human and animal firstborn males to God (Ex. 13:2, 12), but it also says that it is possible to sacrifice a lamb instead of other firstborn animal or son. It means that substitution is acceptable but something must die anyway. God needs death. God also wants people to always remember how he brought them out of Egypt (it is the voice of ego) (Ex. 12:14-16). In chapter 14 also there are evidences about complete separation between God and all the people. God wants to gain more glory and hardens Pharaoh’s heart so that Egyptians start pursuing Hebrews (ex. 14:3-9, 17). God saves Israelites and sinks a whole Egyptian army in Red Sea (Ex. 14:21-27). Israelites saw what God did and feared him (Ex. 14:31). God destroyed one nation to save another one (separation between nations) and wanted â€Å"his own† nation to fear and exalt him (the voice of ego – separation with his chosen people). In Ex. 19:4 God again reminds Israel about what he did to them in Egypt. God decides to speak to people by himself. He did it previously in Genesis, but it was completely different: he was walking along the people who were not afraid of God’s presence. Here in Exodus, people must be completely clean just to hear the voice of God (Ex. 19:9-10), and they must not even approach the mountain Sinai that God is going to speak from because even if they only touch it, they should die: â€Å"Whoever touches the mountain is to be put to death† (Ex. 19:12). It looks like God gets a little scare of a big nearly uncontrollable crowd. In Ex. 19:20-24 God points out once more that everyone around the mountain, including priests, must be perfectly clean and must not try to see God’ face. This is how God separates himself from his chosen people. In chapter 20 God gives people the Ten Commandments. First God again reminds Israelites that HE brought them out of Egypt (Ex. 20-2). Tw o first commandments are about the exclusive worship to God, â€Å"You shall have no other gods before me (Ex. 20:3). You shall not make for yourself an image in the form of anything†¦for I, the Lord your God, am a jealous God†¦Ã¢â‚¬  (Ex. 20:4-5). Jealousy is all about exclusive contact. God takes exclusive worship of people, and this is the projection of ego which always gets one to take something of somebody. If the ego is present, there cannot be any unity with God. The idea of Ex. 20:20 is that God came to people to put them into fear and to make them follow the commandments including the exclusive worship. In chapter 32 Israelites created a golden idol in the image of calf, because they saw that â€Å"Moses was so long in coming down from the mountain† (Ex. 32:1). Then God says to Moses: â€Å"Go down, because YOUR people, whom YOU brought up out of Egypt, have become corrupt.† (Ex. 32:7). God always emphasizes that it is he and only he who brought Israel out of Egyptian slavery. It was until Israel had been showing fear before God. As soon as they turned away from God, God turned away from them because this stopped bringing him glory and the exclusive worship went away (it is the projection of ego). Moses comes down of the mountain and finds that only Levites are for God (Ex. 32:26). Then Moses commands them to kill other people in the camp (Ex. 32: 27-28). Levites get blessing in the exchange for death of people who dared to worship somebody else but God (Ex. 32-29). The idea is that everyone who sins against God deserves to death. Here God steps over death of his chose n people just to satisfy his ego. The book of Leviticus is the account of practical separation model in daily life. Leviticus 16 is all about a process of how Israelites must cleanse themselves. The reason why they should do this is that God is perfectly holy, that’s why everyone must be â€Å"holy† as well: â€Å"I’m the Lord, who brought you up out of Egypt TO BE YOUR GOD (ego voice); therefore be holy, because I am holy† (Lev. 11:45) . Exactly the same idea can be found in Lev. 19:2. In Lev. 15:31 there is more clear idea why people must be clean: â€Å"You must keep the Israelites separate from things that make them unclean, so they will not die in their uncleanness for defiling my dwelling place, which is among them†. God’s dwelling place (or Tabernacle) is also called the Most Holy Place because God is present there. So, no one unclean can get to the place of God’s presence because he or she will die for defiling the Most Holy Place of the Most Holy God. Strong s eparation between God and people is felt here. Lev. 16 thoroughly describes all the steps of purification. First it tells that only priest has a right to enter the Most Holy Place. It looks like other people are unworthy of being close to God. A process of purification is based on the sacrifice of animals, â€Å"He [Aaron] must first bring a young bull for a sin offering and a ram for a burnt offering† (Lev. 16:3) and using their blood, â€Å"He shall then slaughter the goat for the sin offering for the people and take its blood behind the curtain and do with it as he did with the bull’s blood: He shall sprinkle it on the atonement cover and in front of it† (Lev. 16:15). In other words, one necessarily must kill something to cleanse oneself. This stands for the idea that God needs to see blood in order not to kill (it is a reference to Passover), namely God needs death (when people think this way, they are separated from God, because real God cannot be that way) . Leviticus 26 and Deuteronomy 4, 5 contain the reasons or incentives for following the law established by God. In Lev. 26 the first incentive for following the law is blessing. It is said that if people keep what God commanded them, they will get a lot of stuff and God will be favorably inclined toward them (Lev. 26:4-13). The second reason for keeping the law is just to stay alive, because God will punish people severely, if they disobey him (Lev 26:14-45). The conclusion is that God keeps people in the state of fear: obey or die! Fear reinforces separation. In Deut. 4: 5-8 God says, â€Å"Observe them [laws] carefully, for this will show your wisdom and understanding to the nations, who will hear about all these decrees and say, â€Å"Surely this great nation is a wise and understanding people.† What other nation is so great as to have their gods near them the way the Lord our God is near us whenever we pray to him?..† It follows that Israelites must follow the law to show how special they are. In other words they must feel special because no other country has such a god as Yahweh. Making such a distinction, God separates himself from other nations. In Deut. 4:15-39 and Deut. 6 God separates himself from the people of Israel. God points out that he needs an exclusive worship (for ex. Deut 4:23, 35 and Deut 6:14-15). To love God here means to fear him (Deut. 6:2, 13, 24), so the incentive to do what God says can be only a desire to stay alive (Deut 6:24). The book of Leviticus conveys the ideas how people should keep themselves clean, and the book of Deuteronomy stresses the importance to keep a whole community of Israel clean of corrupt elements. This cleanness is also referred to the fact that God is perfect (holy) and that’s why everyone must also be perfect (it is the reflection of separation idea). People who break the law of God must be taken out from among righteous Israelites. Purging of evil people is the equivalent to the destruction of these people, so Israel will get afraid of doing detestable things and a whole society can be clean. The references to fact of purging evil are found in Deut. 13:1-5, 6-11; 17:2-7, 8-13; 21:18-21; 22:13-21, 22, 23. Also it is said in Deut. 4:3, â€Å"The Lord your God destroyed from among you everyone who followed the Baal of Peor, but all of you who held fast to the Lord your God are still alive today.† It means that God purged disobedient people from the Israelites. The idea o f purging evil makes people live with their neighbors in a constant state of fear looking for somebody else’s guilt. It also reinforces separation between people and God. In Deut. 7, 13; Joshua 6, 7; and 1 Sam. 15 one can observe how God makes Israel totally destroy the entire nations (â€Å"holy war†). The reason for this is the same idea of cleaning but only outside of Israel (it’s additionally to internal cleaning within the people of Israel). According to such a reasoning, other nations except Israel are unclean and everything that belongs to them is unclean as well (God separates himself from the rest of mankind). Outsiders must be destroyed in order not to contaminate â€Å"chosen people.† Deut. 7:3-6 tells that Israel must show no pity to condemned nations (also in Deut. 13:15, Joshua 6:21, and 1 Sam 15:3) and how exactly they must treat other nations not to get contaminated from them. There is the idea here that everything which is devoted to destruction must not be taken by Israelites because it is detestable and will make them dirty so that they will become subject to destruction as well as their enemies (Deut 7:25-26; J oshua 6:18-19). There is the similar idea of total destruction (Herem), but of Israel towns, is found in Deut. 13:12-18. It means that even if people of any Israel town become corrupt, they are to be destroyed and nothing which belongs to them must be taken. In Joshua 7 Achan, one of the Israelites takes some stuff that belonged to people of Jericho, thus, making Israelites contaminated and liable to destruction (Joshua 7:12). Here God cares about cleanness of his nation (it is again the separation idea) and he will destroy everyone who may contaminate his people (Joshua 7:25). In 1 Sam there is the same situation with Saul who also takes what he must not take, and God rejects him as a king for his disobedience (1 Sam. 15:22). According to OT’s authors, the main purpose of Day of the Lord is REVENGE. This idea comes from the fact that Northern and Southern kingdoms of Israel were destroyed in 722 and 586 BCE respectively by Babylon, and the only thing Israel wanted was to take revenge. When people cannot avenge by themselves, they pray God (Ps. 137). That’s why the main theme of the day of the Lord is that how God avenges his nation. God will come to destroy, â€Å"For the day of the Lord is near; it will come like destruction from the Almighty† (Joel 1:15). But if the nation of Israel returns to God, it will be blessed (Joel 2:18-27; 3:17-21) while other nations will be judged (Joel 3). God will bless and destroy to show that he is God of Israel only (Joel: 2-27; 3:16-17). Even in the day of the Lord, God makes a division between Israel and other nations. The book of Nahum is about that how God will destroy Nineveh, a capital of Assyria, and again God just avenges his chosen nation, à ¢â‚¬Å"Celebrate your festivals, Judah, and fulfill your vows. No more will the wicked invade you; they will be completely destroyed† (Nahum 1:15). In the book of Zephaniah the day of the Lord is presented as DIES IRAE (the day of God’s wrath), â€Å"I will sweep away everything from the face of the earth†¦ (Zephaniah 1:2) I will stretch out my hand against Judah and against all who live in Jerusalem† (Zephaniah 1:4). It follows that God will also destroy Israelites who disobeyed him. He will sweep away all the enemies of Israel (Zephaniah 2:4-15) but will leave some righteous Israelites alive and restore a nation through them (Zephaniah 3:9-20), so God continues to show an exclusive love. In Isaiah 66:15-19 God will be killing so that others could see his glory (ego projection – separation) and in 14 God will become king over the earth (king rules through fear and is separated from people physically and spiritually). The separation model brought a lot of violence in our world. The most vivid example would be World War II during which perished millions of people just because Germany proclaimed itself a chosen nation and decided to invade the whole earth. There is the well-known fact that Germans had been trying to exterminate all Hebrews from every territory they occupied. It was a destruction of one â€Å"chosen nation† by other. This is one of the most dreadful results of separation model which stresses the idea of exclusiveness. The Christian church stands on the ideas which come from the OT. It especially points out the ideas which are the components of separation model. According to church, people must fear God, they must humiliate themselves before God (for ex. a woman must tie a kerchief round her head and must not smile when she is inside a church), they must keep themselves from sexual relations before marriage, etc. Establishing these meaningless laws, a church only puts pressure on society which leads to the fact that nowadays society turns away from real God more and more. Psychologically people don’t want to accept â€Å"God from the OT†, but also they are not trying to find real God. The spiritual result is that they don’t have God inside at all. It means that it is not a mind of God that will accompany people through their life, but a voice of ego. Ego leads to appearance of enemies and feverish fear for one’s body. This in its turn causes violence within and out of so ciety. 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Working Capital Management at Bajaj Auto Ltd. Essays

Working Capital Management at Bajaj Auto Ltd. Essays Working Capital Management at Bajaj Auto Ltd. Essay Working Capital Management at Bajaj Auto Ltd. Essay Creditors conversion Period (ICP): This ratio tells the time taken to make payments to the creditors. Higher the ratio, the better it is, since it means that the company has more time by their side in order to OFF make ten payments to Its creditors. I en analyses snows Tanat Baja] auto Is snowing a insistent performance on a higher note for the last two FYI 2006-07 2007-08 in this parameter as compared to the competitors in the period of the study. It is at par with the industry leader, Hero Honda if not better. The other players like TVS Motors and Yamaha do not show much of a promise in this criterion. The high credit period enjoyed by the company can be attributed to enhanced confidence in the financial of the company due to its better performance over the years. This also reflects the fact that the liquidity position of Baja] Auto is not a matter of concern for its suppliers or creditors. Net Operating Cycle: Throughout the six year period of study the net operating cycle of Baja] Auto is found to be negative which means that the credit period enjoyed by the company from creditors is more than the credit period allowed by the company as well as the lag in payment of expenses and other overheads. This is a good sign for the company because it prevent blockage of capital as well as reduces the working capital requirement considerably. When we compare the net operating cycle of Baja] Auto with Hero Honda, TVS Motors and Yamaha, the three major competitors it is seen that Baja] Auto is better placed than TVS or Yamaha for Hero Honda, there is some scope for improvement notwithstanding the fact that in the last FYI 2007-08, the two companies were placed at par. Net Working Capital: We see that Baja] Auto is having a very volatile net working capital requirement over the course of the study, though remaining on the negative side. The company snouts adopt a netter working capital management policy post demurrer to match the standards of Hero Honda. Due to negative net operating cycle, the cash available to Baja] is high. So it invests this extra cash in short term investments which allow it to earn more profits. Baja] first sells its goods and later on pay its raw material suppliers. In such a situation, it is always in a position to arm-twist the suppliers by taking more credit. Other Liquidity Ratios: Current Ratio: We can see from the graph* that Baja] has maintained a sort of consistency in current ratio for all the years. The ratio has fallen after 2003, indicating that the company has more of current liability as compared to the current asset. While at the same time TVS has a better position in this aspect and Yamaha has higher ratio imparted to others. This position indicates that Baja] Auto may not be having a relatively good short term financial. Quick ratio As seen from the graph*, Baja] Auto shows a volatile pattern for the period. But currently the ratio has fallen to 5 year low of 0. 6 which is higher than Hero Honda. In the recent years it has shown a gradual fall there by indicating that it may be difficult for the company to meet its short term obligations with its most liquid assets. Cash to sales ratio: The graph shows that the company has a lenient credit policy from the past 6 years ND also in the year 2006 and 2007 the ratio shows a negative value which may not be good for the company. If we compare it with the competitors, they have fluctuating values which shows that they follow both strict as well as lenient credit policy depending on the circumstances. Recommendations and conclusion: Monthly Sales Month 2008 2007 September 245,381 232496 October 191,840 278,176 November 159,747 235,797 Given the current condition amidst signals that the economy is heading towards a recession and the decreasing sales figures for the last three months suggest that Baja] Auto may be having difficulties to continue with their negative working capital policy. There is a chance that more money will be kept locked in finished goods inventory. They may be facing a liquidity crunch in near future given the tighter credit policy by banks and other financial institutions. Thus it is advisable to improve their liquidity position now by raising short-term loans or by investing in marketable securities like T-bills or CDC. They may also tie-up with Baja] Finesse, the sister concern post demurrer in 2007-08 to provide easy credit terms to prospective customers, thus boosting sales figures. To put it in a nutshell, Baja] Auto had adopted a nearly perfect working capital policy in previous years but they need to change their outlook in the present situation. ?-?O?Y *Please refer the MS Excel file ? for graphs and charts.

Case study Case Study 6 Essay Example | Topics and Well Written Essays - 750 words

Case study Case Study 6 - Essay Example The trial period of the 59 participants, who at least managed to decide on attempt at quitting, serves to realize ‘quality life’ objective in the sense that this might leave a chance to induce the smoker to consider the application in the future. Quality long life, by all means, appeals to the attention especially of those whose unbreakable chain habit is up to seek serious and thorough remedy. Program experience in its efficiency allows choices to be contemplated upon with enough duration so that each participant’s response to objective through behavior is monitored. There is then a way of determining whether the working objective or goal set is attainable and up to which degree, to enable assessment of the evaluation procedure itself. Reduced insurance cost is rather indirectly pertained to as one of the main targets but while this projected benefit earns returns on savings for the company, it would be able to sustain other areas that facilitate improvement of its services to all employees. Because smoking cessation program promotes health restoration and long life, this affects an individual’s well-being and soundness at work and with any other physical activities outside. Thus, the acquired goal effect once the smoker, on quitting, does not yield to withdrawals until the evaluation is completed, would have him develop consistent patterns of increased productivity and lowered absenteeism. The goal to render smoking workers to establish reversed habit and cure any existing ailments caused by the old vice, in the process, has made the hospital become capable of adjusting with campaign cost given that the expected savings from each participant is a function of age according to published research (Posavac). Gradually thus, the implementation of the program across-the-board realizes unforeseen investments for the company besides the sole aim to lead hazardous frequencies of corporate smoking to cessation and other healthy occasions

MEMO Assignment Example | Topics and Well Written Essays - 1000 words

MEMO - Assignment Example FICO scores are reviewed by almost all lender agencies in America, before they arrive at credit decisions to offer their customers credit. For that reason, through the proper usage and incorporation of the scores, as a banker, you will be able to avoid customers with poor credit history, which will improve the financial performance of Fidelity bank. Overview of the main Fico Scores The FICO scores of customers will take into account, five main information categories that relate to the customer’s credit profile. When using FICO scores to determine the customers that can be offered loans, the chart given below displays the comparative weight offered to the different score areas. The 5 main areas featured in FICO scoring and their relative weight The review of the different ingredients of the FICO scores 1. Payment history The payment history of the customer contributes about 35 percent of their FICO score. The information reflects their information on different financial account s and areas. The different accounts reflected through the information include Credit card worth and standing, for cards like MasterCard, Visa, Discover and American Express. The second accounts featured are retail accounts, where the customer’s financial operations reflect the credit collected from outlets where they do business – showing the credit cards used at departmental stores, and the credit history maintained. The third account reflected is installment loans, where regular reimbursements for loans like mortgages or car loans are reflected. The fourth account reflected through the payment history is finance company records. Additionally, collection items and public records are reflected, giving information on events like foreclosures, bankruptcies, wage attachments, lawsuits, judgment and liens. Lastly, this score area gives information on the accounts that don’t show late payments, and whose financial obligations are met as agreed upon. From the informat ion captured about the different accounts and fields named before, you will use your judgment to verify whether the given customer has shown a history of repaying loans and whether their financial standing warrants the loan they are asking for. Therefore; based on the information captured, you will only offer credit to a customer with a favorable credit history and avoid those with poor payment history, because a poor history shows that they are more likely to give problems when repaying the credit. 2. The second area where you need to pay much attention is the field of the amounts owed. This information reflects about 30 percent of a customer’s FICO scores, which indicates their level of indebtedness. The areas reflected by this variable include the amounts owed for the different accounts held by the customer, the amounts apportioned to different account types, the balances from different account types, the proportion of the credit consumed through credit cards among other c redit accounts and how much the customer is yet to pay, on different loan amounts. Through the review of this score area, as bankers you will determine the level of debt that the customer has collected, which can influence their ability and their pattern of loan repayment. For example, from the case of a customer who has used larger proportions of their