Unbroken Essay Essay Example

Solid Essay Paper Solid Essay Unbroken is a verifiable book composed by Laura Hildebrand. Whole is about Lieu Simpering, an Italian American that lives in Torrance, California, destined to be an Olympic miler and bombardier of the flying corps. He was conceived in January 26, 1 917, at 5 years of age, Lieu would smoke cigarettes while strolling to kindergarten, and at 8 years of age he would begin drinking. He had an extremely problematic adolescence; he would take around his neighborhood and would eat whatever was palatable. He would be harassed on the grounds that he was a little child hen his father showed him how to battle thus, at that point he began starting quarrel yet he generally appreciated his more seasoned sibling Pete. One day when Lieu was discovered sneaking individuals in to a ball game by utilizing his home key (he discovered theres a 1/50 possibility of a fitting a key to any bolt), was later nearly suspended by the head and was not, at this point ready to take part in any game or school action. Pete asked to the rule to let Lieu take an interest in a game wherein later Pete persuaded Lieu to join track and discovered he was acceptable at running yet Lieu didnt like running along these lines, he did it for the praise. Pete began instructing Lieu and he started to break records and earned the moniker Torrance Tornado. Lieu took an interest in an Olympic 5000 qualifier and lost however in spite of the misfortune he got welcome to the last of the Olympic in NY. He had the option to contend in the Berlin Olympics of 1936 despite the fact that he put in second spot in the finals in a completion so close, Lieu later stated, you couldnt put a hair be;men us. We will compose a custom exposition test on Unbroken Essay explicitly for you for just $16.38 $13.9/page Request now We will compose a custom exposition test on Unbroken Essay explicitly for you FOR ONLY $16.38 $13.9/page Recruit Writer We will compose a custom exposition test on Unbroken Essay explicitly for you FOR ONLY $16.38 $13.9/page Recruit Writer While missing seventh spot he intrigues the crowd and meets Hitler who says, Ah, youre the kid with the quick completion. What was so amazing was his sat lap which broke record his last time, 14:46. 8, was by a long shot the quickest 5000 run by any American in 1 936, just about 12 seconds quicker than Lashs best for the year. Lieu got in a tough situation with the Nazis when he needed to accept the Nazi banner as a trinket and later answered that he needed a gift of the glad time he had in excellent Germany so they let him proceed to let him take the banner. At the point when the press needed to find out about Louses experience he had 2 renditions of how he got the banner in one adaptation, Hitler himself had permitted him to keep the banner. In another, Lieu had disguised the banner so astutely that it was rarely found. He had done everything, went the story, to win the core of a young lady. After the Olympics were done the Olympic Village was changed into a military garisson huts. Returning from the Olympics Lieu went to the University of Southern California, befriending Jimmie Assai, who was later discovered as a Japanese government operative/war criminal whose endeavors to go as an understudy were clearly an intricate ploy. Lieu was anticipating the following Olympics yet was later dropped as a result of World War II. In 1941, Lieu joined the Army Corps, however drops out later on. Be that as it may, Lieu doesnt read the papers Of renunciation from the Air corps to discover later in the wake of marking he had consented to rejoin them so he turned into a bombardier. Mites aircrew was comprised of Phillips, transitory co-pilot net, Simpering, Mitchell, Douglas, Pillsbury, Clansman, Monster, Lambert, and Brooked. They were a gifted group and their first crucial was additionally fruitful was on Wake Atoll. After the clash of Naira, a portion of the men endure an assault on their base on Funfair. Their first plane was called superman yet was later unfit to work after contact by somewhere in the range of zeros where 2 crew members kicked the bucket from seeping in the skull and another from being shot. Their plane after Superman was Green Hornet which wasnt airworthy, had new group individuals and had motor disappointments more than 200 miles from base and made them crash and subsequently just Lieu, Mac, and Phil endure. They floated in the Pacific Ocean for 46 days. The main day Mac froze and ate the entirety of the food proportions. They made due on the flying creatures to use as lure and at times food when they didnt get any pilot fish. When biting the dust of thirst Lieu implored god and guaranteed, If god would extinguish their thirst, he promised, hed devote his life to him. Downpour would fall the following day. Before arriving at land Mac kicked the bucket and the Japanese Ana caught them. The Japanese didnt illuminate America regarding the catch of Lieu. They let Lieu and Phillip recuperate in a medical clinic then they Were moved to a detainee camp where they thought they would be executed. Since Lieu was a popular Olympic sprinter, he was given brutal treatment by the gatekeepers. He was sent to a camp in Tokyo where he got custom treatment from Mouthier Wattage a. K. A The Bird. A Japanese disseminator needed to utilize Lieu to make genius Japanese communicates to America at that point was rebuffed for won't. The men were totally cut off from updates on the war until the watchmen let them go when the war was finished. Lieu was sent to an emergency clinic to acknowledge later that he could never run again. At the point when Lieu at long last returned home their family were elated to see their once little Lieu was well alive yet didn't know about his OPTS until during a homecoming he began having flashbacks and spit at any individual that looked Japanese. He had bad dreams when the Bird was beating him. In the wake of meeting Cynthia for about fourteen days he chose to approach her for marriage. Lieu turned into a hard consumer and tragically Cynthia needed a separation. Cynthia has a strict arousing and chooses to not document a separation subsequent to meeting Billy Graham. Cynthia figured out how to persuade Lieu to go to a Billy Grahams message. Lieu recalls the day with Phillip where he vows to god, on the off chance that he spared them, he would serve god until the end of time. Lieu quits drinking, quits having bad dreams, excuses The Bird, began giving talks and showing up to tell his undertakings.

The overview of Last In/First Out and First In/Last Ou Free Essays

The diagram of Last In/First Out and First In/Last Out is presently finished for your preferred date and time to talk about the organization matters. The data from a month ago is was finished toward the month's end and the present is kept current on an every day base as the board should be cutting-edge of the stock and budgetary degrees of the organization. Diminishing government and state salary corporate charges are significant as this may permit the organization to see a lessening in costs over the time. We will compose a custom paper test on The review of Last In/First Out and First In/Last Ou or on the other hand any comparative theme just for you Request Now Taking a gander at the costs of the organization and survey the wages of the workers will permit the organization to settle on the choice as to Last In/First Out or First In/Last Out to spare the organization funds. Albeit taking a gander at the stock will permit the administration to see the Last In/First Out and First In/Last Out regarding the planning of the stock development. Utilizing First In/Last Out will permit the organization to even now develop as the stock increments and the organization will in any case benefit. Utilizing Last In/First Out will permit the organization to be at an outlook and no increments are made. Understanding the choice that is caused must to be conclusive, this data will be seen and kept on being forward-thinking for any budgetary issues that may emerge when the gathering and choices are made. By taking a gander at the short and long haul on Cost of Goods Sold this will permit you to make the judgment of the Last In/First Out and First In/Last Out and it shows the benefit for the organization before and permit you to foresee what's to come. Good karma with your choice and I remain by you on the decision that is made. Instructions to refer to The outline of Last In/First Out and First In/Last Ou, Essay models

Fresh Ink New Books Out Today April 23, 2013

Fresh Ink New Books Out Today April 23, 2013 Food! Fiction! Humor! Self-help! Get some variety in your  reading life with todays new releases. Cooked: A Natural History of Transformation by Michael Pollan (The Penguin Press) In a departure from his philosophy-of-eating motif, Michael Pollan recounts his own culinary education and attempts to master classic recipes based on the four classical elementsearth, air, fire, and water. Along the way, he discovers that the cook occupies a special place in the world, standing squarely between nature and culture. Both realms are transformed by cooking, and so, in the process, is the cook. That sounds intriguing to memore so than Pollans previous offerings, which I have to confess Ive avoided (but yes, I do know that I should eat food, not too much, mostly plants). Im more interested in thinking and learning about food than in being told what or how to eat, so Im looking forward to meeting Pollan on that middle ground and maybe, just maybe, dripping some coffee or spaghetti sauce onto this pages as I go. Dear Lucy by Julie Sarkissian (Simon Schuster) Okay, so you can be a fan of an author, and a fan of a publisher or imprint, but what about being a fan of an editor? Its not a thing I hear about very often, but I am a die-hard fan of Simon Schusters Sarah Knight, who edits a wide variety of fiction and creative nonfiction, and its always good. Dead Lucy found its way into my mailbox not too long ago, and Ive been saving it for a sunny day when I can gobble it down whole. I love a novel with a unique narrative voice, and this opening bit from the synopsis has me all kinds of excited: Lucy is a young woman with an uncommon voice and unusual way of looking at the world. She would tell you that she is “missing too many words,” but despite her limitations she has a boundless zest for discovery and a deep desire to connect with those around her. Lets Explore Diabetes With Owls by David Sedaris (Little, Brown and Company) Fellow Rioter Emily included this new Sedaris essay collection in her list of 5  books to watch for in April, declaring Sedaris back from the slump that was Squirrel Seeks Chipmunk, and HOO BOY was she right. Sedaris takes us back into his childhood in North Carolina, telling stories about his father (who took off his pants before coming to the dinner table) and the shenanigans he and his siblings had. He takes us to Paris and Beijing and on a book tour across the U.S., and he does it all with his signature humor and wry, occasionally biting observations about human behavior and  American culture. A nice return to classic Sedaris, and if youve never read him, a good entry point! This Is How: Surviving What You Think You Cant by Augusten Burroughs (Picador) You could have knocked me over with a feather when I found out Augusten Burroughs new book wasnt another memoir of dysfunction but instead a self-help title. But it sort of makes sense, you know? His childhood, recounted in  Running With Scissors, was all kinds of horrifying, but Burroughs survived. He became an alcoholic, but he dried out and wrote a book about his experience in rehab (Dry). I am equal parts genuinely interested about how he did this and looky-loo curious about what advice hell be sharing. Im not sure Im ready to take advice from Burroughs, but I sure do want to kno what itll be. _________________________ Sign up for our newsletter to have the best of Book Riot delivered straight to your inbox every two weeks. No spam. We promise. To keep up with Book Riot on a daily basis, follow us on Twitter or like us on Facebook. So much bookish goodnessall day, every day. Sign up to Unusual Suspects to receive news and recommendations for mystery/thriller readers. Thank you for signing up! Keep an eye on your inbox.

Fresh Ink New Books Out Today April 23, 2013

Fresh Ink New Books Out Today April 23, 2013 Food! Fiction! Humor! Self-help! Get some variety in your  reading life with todays new releases. Cooked: A Natural History of Transformation by Michael Pollan (The Penguin Press) In a departure from his philosophy-of-eating motif, Michael Pollan recounts his own culinary education and attempts to master classic recipes based on the four classical elementsearth, air, fire, and water. Along the way, he discovers that the cook occupies a special place in the world, standing squarely between nature and culture. Both realms are transformed by cooking, and so, in the process, is the cook. That sounds intriguing to memore so than Pollans previous offerings, which I have to confess Ive avoided (but yes, I do know that I should eat food, not too much, mostly plants). Im more interested in thinking and learning about food than in being told what or how to eat, so Im looking forward to meeting Pollan on that middle ground and maybe, just maybe, dripping some coffee or spaghetti sauce onto this pages as I go. Dear Lucy by Julie Sarkissian (Simon Schuster) Okay, so you can be a fan of an author, and a fan of a publisher or imprint, but what about being a fan of an editor? Its not a thing I hear about very often, but I am a die-hard fan of Simon Schusters Sarah Knight, who edits a wide variety of fiction and creative nonfiction, and its always good. Dead Lucy found its way into my mailbox not too long ago, and Ive been saving it for a sunny day when I can gobble it down whole. I love a novel with a unique narrative voice, and this opening bit from the synopsis has me all kinds of excited: Lucy is a young woman with an uncommon voice and unusual way of looking at the world. She would tell you that she is “missing too many words,” but despite her limitations she has a boundless zest for discovery and a deep desire to connect with those around her. Lets Explore Diabetes With Owls by David Sedaris (Little, Brown and Company) Fellow Rioter Emily included this new Sedaris essay collection in her list of 5  books to watch for in April, declaring Sedaris back from the slump that was Squirrel Seeks Chipmunk, and HOO BOY was she right. Sedaris takes us back into his childhood in North Carolina, telling stories about his father (who took off his pants before coming to the dinner table) and the shenanigans he and his siblings had. He takes us to Paris and Beijing and on a book tour across the U.S., and he does it all with his signature humor and wry, occasionally biting observations about human behavior and  American culture. A nice return to classic Sedaris, and if youve never read him, a good entry point! This Is How: Surviving What You Think You Cant by Augusten Burroughs (Picador) You could have knocked me over with a feather when I found out Augusten Burroughs new book wasnt another memoir of dysfunction but instead a self-help title. But it sort of makes sense, you know? His childhood, recounted in  Running With Scissors, was all kinds of horrifying, but Burroughs survived. He became an alcoholic, but he dried out and wrote a book about his experience in rehab (Dry). I am equal parts genuinely interested about how he did this and looky-loo curious about what advice hell be sharing. Im not sure Im ready to take advice from Burroughs, but I sure do want to kno what itll be. _________________________ Sign up for our newsletter to have the best of Book Riot delivered straight to your inbox every two weeks. No spam. We promise. To keep up with Book Riot on a daily basis, follow us on Twitter or like us on Facebook. So much bookish goodnessall day, every day. Sign up to Unusual Suspects to receive news and recommendations for mystery/thriller readers. Thank you for signing up! Keep an eye on your inbox.

The Great Gatsby By F. Scott Fitzgerald - 1546 Words

The idea of the American Dream is where individuality of hard work and enthusiasm are shown. The novel The Great Gatsby by Scott Fitzgerald demonstrates many themes; however the most noteworthy one relates to the breach of the American dream. The American Dream is defined as someone who is preliminary on the economic rank, and sticking it out until they achieve full prosperity. By having money, cars, houses, nice clothes and a happy family this illustrates the American dream. This dream also stands for that public no matter who he or she is, can surface into someone thriving in life by his or her own commission. The desire to tackle for what one wants can be proficient if they work hard as much as necessary. The dream is corresponded by the ideas of an autonomous man or woman, who works hard to attain a goal to become triumphant. The Great Gatsby shows what The American Dream comes about to be in the 1920’s, which is a time period when the dream becomes tarnished for countless reasons. The American dream not only causes corruption but has caused destruction. Myrtle, Gatsby and Daisy have all been tainted and damaged by the dream. The craving for a lush life is what tempts Myrtle into having an affair with Tom. This choice harms her marriage with George, which leads to her fatality and defeat of true happiness. Myrtle has the optimism and want for an ideal, flush and prominent type life. She takes pleasure in reading gossip magazines which embodies her optimism for the lifeShow MoreRelatedThe Great Gatsby by F. Scott Fitzgerald1393 Words   |  6 PagesF. Scott Fitzgerald was the model of the American image in the nineteen twenties. He had wealth, fame, a beautiful wife, and an adorable daughter; all seemed perfect. Beneath the gilded faà §ade, however, was an author who struggled with domestic and physical difficulties that plagued his personal life and career throughout its short span. This author helped to launch the theme that is so prevalent in his work; the human instinct to yearn for more, into the forefront of American literature, where itRead MoreThe Great Gatsby By F. Scott Fitzgerald1343 Words   |  6 PagesHonors English 10 Shugart 18 Decemeber 2014 The Great Gatsby F. Scott Fitzgerald s 1925 novel The Great Gatsby is a tragic love story, a mystery, and a social commentary on American life. The Great Gatsby is about the lives of four wealthy characters observed by the narrator, Nick Carroway. Throughout the novel a mysterious man named Jay Gatsby throws immaculate parties every Saturday night in hope to impress his lost lover, Daisy Buchanan. Gatsby lives in a mansion on West Egg across from DaisyRead MoreThe Great Gatsby By F. Scott Fitzgerald1155 Words   |  5 PagesThe Great Gatsby The Jazz Age was an era where everything and anything seemed possible. It started with the beginning of a new age with America coming out of World War I as the most powerful nation in the world (Novel reflections on, 2007). As a result, the nation soon faced a culture-shock of material prosperity during the 1920’s. Also known as the â€Å"roaring twenties†, it was a time where life consisted of prodigality and extravagant parties. Writing based on his personal experiences, author F. ScottRead MoreThe Great Gatsby By F. Scott Fitzgerald1166 Words   |  5 Pagesin the Haze F. Scott Fitzgerald lived in a time that was characterized by an unbelievable lack of substance. After the tragedy and horrors of WWI, people were focused on anything that they could that would distract from the emptiness that had swallowed them. Tangible greed tied with extreme materialism left many, by the end of this time period, disenchanted. The usage of the literary theories of both Biographical and Historical lenses provide a unique interpretation of the Great Gatsby centered aroundRead MoreThe Great Gatsby by F. Scott Fitzgerald845 Words   |  3 PagesIn F. Scott Fitzgerald’s novel, The Great Gatsby, colors represent a variety of symbols that relate back to the American Dream. The dream of being pure, innocent and perfect is frequently associated with the reality of corruption, violence, and affairs. Gatsby’s desire for achieving the American Dream is sought for through corruption (Schneider). The American Dream in the 1920s was perceived as a desire of w ealth and social standings. Social class is represented through the East Egg, the WestRead MoreThe Great Gatsby By F. Scott Fitzgerald Essay970 Words   |  4 Pagesrespecting and valuing Fitzgerald work in the twenty-first century? Fitzgerald had a hard time to profiting from his writing, but he was not successful after his first novel. There are three major point of this essay are: the background history of Fitzgerald life, the comparisons between Fitzgerald and the Gatsby from his number one book in America The Great Gatsby, and the Fitzgerald got influences of behind the writing and being a writer. From childhood to adulthood, Fitzgerald faced many good andRead MoreThe Great Gatsby By F. Scott Fitzgerald2099 Words   |  9 Pagesauthor to mirror his life in his book. In his previous novels F. Scott Fitzgerald drew from his life experiences. He said that his next novel, The Great Gatsby, would be different. He said, â€Å"In my new novel I’m thrown directly on purely creative work† (F. Scott Fitzgerald). He did not realize or did not want it to appear that he was taking his own story and intertwining it within his new novel. In The Great Gatsby, by F. Scott Fitzgerald, he imitates his lifestyle through the Buchanan family to demonstrateRead MoreThe Great Gatsby By F. Scott Fitzgerald1607 Words   |  7 Pages The Great Gatsby is an American novel written in 1925 by F. Scott Fitzgerald. One of the themes of the book is the American Dream. The American Dream is an idea in which Americans believe through hard work they can achieve success and prosperity in the free world. In F. Scott Fitzgerald s novel, The Great Gatsby, the American Dream leads to popularity, extreme jealousy and false happiness. Jay Gatsby’s recent fortune and wealthiness helped him earn a high social position and become one of the mostRead MoreThe Great Gatsby By F. Scott Fitzgerald1592 Words   |  7 PagesMcGowan English 11A, Period 4 9 January 2014 The Great Gatsby Individuals who approach life with an optimistic mindset generally have their goals established as their main priority. Driven by ambition, they are determined to fulfill their desires; without reluctance. These strong-minded individuals refuse to be influenced by negative reinforcements, and rely on hope in order to achieve their dreams. As a man of persistence, the wealthy Jay Gatsby continuously strives to reclaim the love of hisRead MoreThe Great Gatsby By F. Scott Fitzgerald1646 Words   |  7 PagesThe 1920s witnessed the death of the American Dream, a message immortalized in F. Scott Fitzgerald’s The Great Gatsby. Initially, the American Dream represented the outcome of American ideals, that everyone has the freedom and opportunity to achieve their dreams provided they perform honest hard work. During the 1920s, the United States experienced massive economic prosperity making the American Dream seem alive and strong. However, in Fitzgerald’s eyes, the new Am erican culture build around that

What is Bismillah - Free Essay Example

Sample details Pages: 6 Words: 1793 Downloads: 10 Date added: 2019/10/10 Category Religion Essay Level High school Tags: Islam Essay Did you like this example? Bismillah al rahman al rahim The Arabic words presented over is pronounced as Bismillah ir-Rahman ir-Rahim, as well as is a wonderfully poetic key phrase which uses both deep idea as well as fantastic inspiration. It has actually commonly been actually mentioned that the phrase Bismillah ir-Rahman ir-Rahim has truth spirit of the entire Qur an, and also real essence of all faiths.. Don’t waste time! Our writers will create an original "What is Bismillah?" essay for you Create order Muslims often state this words when getting started on any notable endeavor, and the phrase is actually considered through some to become a significant pillar of Islam. This articulation is actually so magnificent consequently to the point that almost one chapter of the Qur a begins along with words Bismillah ir-Rahman ir-Rahim. The common translation: In the name of God, most Gracious, most Compassionate. fails to record either real intensity of meaning or the inspirational message of this gorgeous expression. So, permits appear much deeper right into the definition of these excellent phrases. Source and also Spelling: Every phase of the Qur an (other than the ninth phase) starts along with the Arabic key phrase: However, there are actually lots of differing perspectives on just how this key phrase need to be transliterated making use of the English alphabet, as properly as contrasting perspectives on whether or certainly not to consist of several of the Arabic regulations of syntax. As a result, one might experience a variety of various transliterations of the remarkable phrase, consisting of: bismillahi al r-rahmani al r-rahim bismillahi al rahman al rahim bismillah al rahman al rahim bismi Allah al rahman al rahim bismillahi-r rahmani-r rahim bismillaah ir rahmaan ir raheem bismillah ir rahman ir rahim Having said that, no matter just how one might pick compose the English transliteration of the original Arabic, it is not either the writing of the terms nor their pronunciation which is vital, however somewhat our company shall each be compensated depending on to what remains in our heart as well as how our company act on the planet. Those that claim these words along with notions of self-aggrandizement, or self-indulgent gains, or even self-indulgent vain earnings anyway, will certainly receive their just incentive suffering, pain and also confusion. Also, those who definitely commit every action of their life to the glory as well as solution of the Ever-present One will additionally get their just benefit love, passion and also charm. This words is truly a best to be actually shown from the soul, an excellent to be conveyed along with miraculous truthfulness, an ideal which leads us towards sacred objective, the objective for which we have been actually given life. Permits examine the deeper significance of each word of this particular glorious key phrase: bismillah The usual translation for bismillah is actually In the title of Allah, which is really an idiom, an articulation that actually does not make a lot feeling on a literal word-by-word manner. The words In the title of is actually an expression possessing the association of with the true blessings of, under the administration of, as a guitar of, in dedication to, in love of, in behalf of, along with the assistance of, or even for the glory of. In each of these scenarios, the expression By suggests that one is accepting, honoring or even proclaiming that which is actually referred to. Now, permits take a deeper explore the Arabic origins of this particular stunning word bismillah. The term bismillah, is actually a mix of three terms: 1. The bit bi which can imply by, for, along with the aid of, with or through as well as ideas towards that which occurs following. 2. The upcoming term within this key phrase is ism, based upon the origin otherwise disclosed to be actually s-m-w or even a-s-m, which indicates the methods whereby one thing is actually identified, whether by utilize of a pinpointing score, or even by being raised up high to ensure that it might be distinguished, as well as would certainly include a name, track record, light or vibration, as well as points towards the really essence of one thing, the integral qualities and also signs of the life of something, the underlying reality of something. 3. The ending of the phrase is the phrase Allah, which is the Arabic title of the One. The Semitic roots of the term Allah extend back many 1000 years to the Canaanite Elat, Hebrew El and Elohim, as well as Aramaic Alaha. These roots direct towards uniformity, whole, the everlasting electrical power that includes each one of existence and of non-existence. In modern-day English this will normally be actually translated as God (which is aged English, very likely based upon the Sanskrit term hu, suggesting that which is venerated, recognized or really liked). Making use of these simple roots, the condition bismillah could be translated as: By methods of the quite significance of God For the glory of our Creator With the illumination of the One With the support of The Divine As a tool of the One In consistency with Divine Presence The central tip listed here is that whatever our experts carry out, every step that our team take, every breath that our team inhale, is actually performed for, due to, as well as through the significance of, the One that has actually generated us. It is not our company that carries out the job, it is actually certainly not us that creates possibilities appear, it is certainly not our team that creates fruits coming from every activity. We alone are actually defenseless. The Creator has offered us life and also has actually given us the capacity to move and presume and also really feel, however our company are actually completely reliant upon the Creator for the incredibly spirit of lifestyle on its own. Therefore, this attractive phrase bismillah is actually an impressive tip of our relationship to our Creator as well as our partnership to each of totality. In one straightforward phrase bismillah shows our miracle, wonder and gratitude while it likewise shares our inner request that our team might possess the good thing of an additional breath, one more second of life, as well as that our experts may walk on a road of truth and also understanding. To point out bismillah is actually to submissively supply ones personal as an automobile for the magnificence and also grandeur of The One. ir rahman ir rahim These pair of phrases rahman and also rahim pertain to features of the One. While they are frequently converted merely as Merciful and Compassionate, the roots of words suggest a deeper meaning. Both rahman and also rahim are actually stemmed from the Semitic origin r-h-m which shows one thing of miraculous pain which delivers defense and also nutrients, which where every one of development is brought in to being. And also undoubtedly, the root rhm possesses significances of tummy, affinity, partnership, loving-kindness, grace, sympathy, and nourishing-tenderness. Thereby, both rahman and rahim factor toward that which arises coming from the resource of all development, while also sharing a feeling of pain, loving-kindness, defense and sustenance. The condition rahman is actually an incredibly emphatic claim, and also then the view is reflected through being right away adhered to due to the usage of one more form of the same root-word. Such repeating is actually a joyous event of this Divine feature, similar as stating The One who is actually the Supreme Loving-Kindness, oh such Loving-Kindness. These pair of words, rahman and rahim, likewise reveal a little various variants of definition, as explained in the complying with paragraphs. rahman: The term rahman describes that part of the source of all creation which is actually endlessly radiating, endlessly nourishing, no matter that or what is receiving the limitless flow of benefits. Rahman shares the suggestion of volume as well as extensiveness, suggesting the terrific premium of love and also mercy which swallows up each one of development regardless any sort of effort or demand on our part. Depending On to Ibn Qayyum (1350 ADVERTISEMENT), rahman defines the quality of being all around Grace which is actually belonging to and also indivisible coming from the Almighty. rahim: On the other hand, the term rahim describes that component of the resource which is appeared forth just in response to the activities and also actions of the recipient. It is in this fashion that God takes ten steps towards our company when our experts take also a single action towards God. Rahim shares the idea of continual renewal as well as offering unsparing incentive in response to the high quality of our actions and also thought and feelings. Depending On to Ibn Qayyum (1350 ADVERTISEMENT), rahim reveals the continuous manifestation of the Grace in our lifestyles as well as its result upon our company due to our personal activities. ir rahman ir rahim: Rahman aspects towards the Beneficent One whose limitless cascade of love and also grace are actually continuously bathed upon each one of creation, while Rahim factors towards the Merciful One whose love and also grace appear during that which is acquired as the effect of ones records. So, the words ir rahman ir rahim is an awareness and also honoring of the extremely resource of all life, the resource of all good things, the resource of all concern, the resource of all mercy that offers endlessly to us and also who likewise reacts depending on to our ethical honesty, our consistency along with each one of production and also our passion of Allah. Metrical Renderings: There is no technique for any kind of one interpretation to catch the numerous facets of the attractive key phrase Bismillah ir-Rahman ir-Rahim. Below are actually some poetic renderings that try to grab some facets of the definition without being actually actual translations: Along with every breath that we breathe, may our experts be actually follow up on account of the Divine Presence, the Source of all that our company obtain. With every measure that our company take, may our company be tools of the One Light which quick guides our company, the Source and also Nourisher of all of production. Every second of this particular lifestyle is filled up with your timeless radiance my Beloved, You are actually the Beneficent One that endlessly downpours all of creation along with nutrients as well as benefits, as well as the One that nicely awards those that reside in consistency along with Your Divine Will. Calligraphy: Words Bismillah ir-Rahman ir-Rahim are actually therefore magnificent, so impressive, therefore wonderful that they have lengthy attracted the hand of calligraphers that have used marker as well as ink to deliver this expression to lifestyle. The samples of calligraphy on this page are all renderings of the wonderful phrases Bismillah ir-Rahman ir-Rahim.

Cultural Competency And Awareness, Organization, And Skills

It is important to first define cultural competency, as the ability for health professionals to work in situations where their personal culture may not be identical to that of the patient they are interacting with (Blackburn, 2015). Unfortunately, there is no definitive definition utilized across professions (Suarez-Balcazar et al., 2011). This can make it difficult to pursue in both teaching it and evaluating it. In fact, this study will only touch on one method of evaluating cultural competence with three subscores: awareness, organization, and skills (Suarez-Balcazar et al., 2011). This is not the only way to interpret and evaluate the particular realm of competence however, as there was yet another method of evaluation using five subsets: awareness/sensitivity, behaviors, patient-centered communication, practice orientation, and self-assessment (Schwarze, Witte, Sellers, Luzadis, Weiner, Domingo-Snyder, Page Jr., 2015). This poses a solution to the lack of cultural competency an d awareness; however the discord between methods of evaluation can also pose a problem with consistency. Cultural competency is a growing need in the United States as well as an important ethical aspect of health care. Given its importance, it is crucial to understand if it is being utilized and taught effectively. In order to establish if something is being understood, there must be a test capable of evaluating the cultural competency of individuals. This test is called the CulturalShow MoreRelatedCultural diversity is defined as the cultural variety and cultural differences that exist in the600 Words   |  3 PagesCultural diversity is defined as the cultural variety and cultural differences that exist in the world, a society, or an institution and or the inclusion of diverse people in a group or organization. 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Watch the Throne by Kanye free essay sample

Watch the Throne Music has taken a turn downhill in recent years. The main focus in the biggest music transition, has been maimed more so towards rap. Two of the hardest and most credible artists by the name of Kanye West and Jay Z have formed a collaboration to open the eyes of their audience, and take themselves past the charts. â€Å"Watch the Throne,† does not only take listeners into a different world of music, but takes them through the eyes of the artists for a brief moment. Despite negative critical acclaim given to both artists in their past work, they have taken those negative statements a counter attack with an album that truly is a game changer. The album goes in depth of the lives and problems of each rapper and releases their take on life conflicts. The album takes a series of events that both rappers have experienced, and their verses seem as if they take a form of play. We will write a custom essay sample on Watch the Throne by Kanye or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page The language and tone used form-perfected transitions from voice to track. To top everything off, both artists throw in a mix of various beats to form the perfect ear channeled brain manipulation. There is no doubt in my mind that Kanye West and Jay Z have surpassed outside expectations, and their own standards. A competing collaboration would need to be a masterpiece to be considered on the category â€Å"Watch the Thorne† has ripped out of. I highly recommend this album to those listeners who take music to further maturity, and that can recognize and respect good music when bestowed upon them.

Talent Shows Dream or Nightmare Essay Example

Talent Shows Dream or Nightmare? Essay The past few years talents shows has invaded your television screen. You been filled up whit; broken dreams, cracked ambitions, family tragedies, tone-deaf girl and sometimes even real talent. You may love- or hate it, but one thing is for sure, you cant certainly ignore it. It’s appearing everywhere; in the radio, newspaper and magazines. Even when you are shopping in the supermarket, you cant avoid them. But what was it that made Talent shows so incredible large? You, or more exact the audience your a part of. Because as we all know, the Talent show industry isnt run by the will of for fill small little girls dreams or giving and old man a extra shoot in show business, but by the money its making on the audience. So as the audience that basically runs the industry, shouldnt we have some kind of responsibility for it? Of course we should, but sadly enough I think that not even half of us gives it a though. I think it has become a part of our culture, and there for widely accepted. Its just recently it appeared in the public debate. We will write a custom essay sample on Talent Shows Dream or Nightmare? specifically for you for only $16.38 $13.9/page Order now We will write a custom essay sample on Talent Shows Dream or Nightmare? specifically for you FOR ONLY $16.38 $13.9/page Hire Writer We will write a custom essay sample on Talent Shows Dream or Nightmare? specifically for you FOR ONLY $16.38 $13.9/page Hire Writer The main question there is, whether the concept is a dream or nightmare. If you ask me, I would say it is in-between. It depends on which perspective you see it from. If your point of view comes from the producers, the industry is like one of does dreams, which is to good to be truth. They can earn tons of money easy and fast. But if you see it more from the humane view, you start to notice some cracks in the dream. The shows lay an enormously press on the competition, which sometimes leads to nervous breakdown or other mental uncomfortable things. Last year DR1 employed a psychologist to see if the competitions was ready for the pressure, but still there was people who broke down on national television. When I saw a girl crying, after her dream had been crushed, I found myself asking, why do we even se those kinds of shows? The answer is easy. Its entertainment on a very high level. You get the whole in one, the winners and the losers. It wouldnt be fun if you take away tone-deaf girls who think they are the new Britney Spears, but then again if you only showed them, it would be a show of pure evilness. Offshore that the show is something that the whole family can gather around every single Friday evening. Something especial rare in these days. But it also gives us something to talk about at work, in class or/and in the supermarket. No matter which part of our country you are from, you probably saw the same talent show last Friday, and that gives us something in common. Something to bring us together in these days. Whether it is the right thing to gather around is a whole different discussion.

Japanese Recession Essays - Age Of Enlightenment, Free Essays

Japanese Recession Essays - Age Of Enlightenment, Free Essays Japanese Recession Thomas Paine Thomas Paine For many years Thomas Paine was the epitome of American histories greatest drawback. In American history there is always that one detail that doesnt make it into popular curriculum. Whether it be the point of view from the loosing side of a war, to the secret dalliances of a popular politician, to the truth of a times social opinion- the American student is taught only so much. The most proper, popular material makes it in; along with any major facts too commonly known to ignore. Anything else is liable to fall to the wayside without enough support from historians or academia. There is always room for the improvement of materials taught; so said, it would seem there is much more to know about Thomas Paine then is currently taught. Within the last twenty years there has been a resurgence of interest in both Thomas Paine and his work. The new social consciousness is more in tune with his writings, and his underdog status appeals to many. His blunt style of speech has earne d him admiration in many corners; in fact one of President Ronald Regans more clever speech writers took to adding exerpts from Paines writings into the Presidents major addresses. Paine has lately been heralded as Americas first modern intellectual, and is the subject of numerous books which have come out within the last four years. Common knowledge of Paine includes his birth in 1737 in Thetford, England, his writing of the Common Sense pamphlet in 1776, and his involvement in the American Revolution. Less common knowledge is his other writings: The Crisis, Rights of War and The Age of Reason; along with his role in the French Revolution. Even further down the path into the obscure is his brief French citizenship, his time in a French prison, and the short period of fourteen months which elapsed between his arrival in the Americas, and the publication of Common Sense. Paine is nothing if not the son of both perseverance and necessity. His financial woes are the stuff on which youn g loan sharks are weaned. He grew up the soon of a poor corset maker, and knew only poverty most of his life. His employment track is littered with miss-starts in many fields, including stints as a teacher, a seaman, a tobacco shop owner and at various times a excise man. None of these were to be successful positions for Paine, giving him the start of a grudge towards England and its economy. After surviving one wife and separating from another, Paine was near his perceived end. Yet on the recommendation of a new acquaintance from America he decided to head west to the colonies, in hope of escaping the misery hed endured in England. With nothing to his name but letters of recommendation (from the American whom hed met in London), he arrived in Philadelphia, America in 1774. This American happened to be none other then Benjamin Franklin, and the prominence of Paines recommender gained him the position of editor of the newly founded Pennsylvanian Magazine. Here, Paine established hims elf as a radical thinker, a person unafraid to enter into the independence furor. Remembering the hardships he had faced in England, Paine became he ideal American patriot. In 1776 Paine published the Common Sense pamphlet without signing his name to it. Demanding independence from England and the establishment of a strong American union, the pamphlet found overwhelming support and approval with American colonists. With the revelation of its author the pamphlet continued its wave of success, drawing commendation from George Washington and Thomas Jefferson. In one of the most perfectly timed releases in history, Common Sense was unleashed to a public hungry for direction, and touched upon a raw nerve the size of a revolution. Paine quickly followed up in December of that year with the first in a series of pamphlets entitled The Crisis. It began, These are the times that try mens souls...Tyranny, like hell, is not easily conquered. These lines were read aloud to Washingtons men as the y lay shivering in the winter cold. From that point on Paine looked to figure prominently in the American revolution. Thomas Paine served in the

Excel and word Assignment Example | Topics and Well Written Essays - 1000 words

Excel and word - Assignment Example 4: Frequency distribution for labour hours Bin Frequency 0-1000 0 1001-1100 5 1101-1200 1 1201-1300 2 1301-1400 4 1401-1500 3 1501-1600 6 1601-1700 2 1701-1800 1 1801-1900 0 More 0 Graph 1: Histogram for labour hours The frequency distribution table and the histogram confirms dispersion of observed values on the variables and the slight skewedness. Section B Graphical representation of variables is one of the strategies for identifying their correlation. The following graph shows consistency in changes among all the variables across the considered months. Graph 2: Comparative graph of the variables across the considered months The observed consistency in the variables’ trend suggests possible association among them. A more clear causal effect relationship can be observed from correletion coefficientthat is shown in the following table. Table 5: Correletion coefficients    Overhead costs Direct labour hours Machine hours No. Of set ups Overhead costs 1 Direct labour hours 0.7 03705 1 Machine hours 0.74701 0.680397 1 No. Of set ups 0.555748 0.321948 0.333965 1 The table identifies the strongest association between overhead costs and direct labor hours and machine hours because of the highest coefficient, 0.74701, as compared to coefficients for the other overhead cost drivers. Analysis of variance however offers the most accurate causal effects relationship and the tables bellow shows the regression analysis results. Table 6: ANOVA table for multiple regression analysis ANOVA    df SS MS F Significance F Regression 3 5284.197 1761.399 16.63454 1.17E-05 Residual 20 2117.761 105.8881 Total 23 7401.958          The low significance value, 1.17E-05 that is lower than 0.05, means that the null hypothesis is rejected to the effect that the cost drivers have significant... Advantages and disadvantages of using a spreadsheet package to compile statistical calculations Operating spreadsheets in calculations has both advantages and disadvantages with which users interact. One of the associated advantages is the ease with which an individual can learn about spreadsheet features and apply the features in analysis. Readily available functions for calculations facilitates these as users can easily identify the functions’ locations and use them at the click of a tab. Spreadsheet functions are also organized into categories with distinct features and this allows users to predict, with ease, location of a function for use. The overall display of input values also offer references to facilitate learning of spreadsheet operations. Another identified advantage with spreadsheets is the ability to develop them within a short period and with significant ease. Users’ ability to design and develop spreadsheet also means that the data analysis tools are cheap. Spreadsheets are also flexible to handle both simple and complex data analysis and this make s them applicable to diversified users and professions. Programmed features of spreadsheets with â€Å"built-in capabilities, functions, and tools† also offer an advantage of spreadsheet and empower users in data analysis (Lau and Gugden 2011, p. 247). Most spreadsheets are also readily available with operation systems and from vendors and the accessibility promote training on the spreadsheet applications and familiarity with different spreadsheet features (Tennent and Friend 2011, n.p.). Spreadsheets also allows for multiple representation of data through â€Å"numerical, graphical, and algebraic representations† (Stacey, Chick and Kendal 2004, p. 107).

Use of social networks for financial and performance reporting Research Paper

Use of social networks for financial and performance reporting - Research Paper Example This research analyses how the financial reporting and organizations performance have improved for the past few years because of increased use of social networking. Inescapabilty and popularity of the social network has largely created awareness and improved the relationship between the business and the stakeholders by introducing a new way in which financial information is disseminated and eventually consumed. Companies primarily use the social media to report their performances so that the information can reach larger audience who may be interested. Information that was previously released in news releases, conference calls and presentations are revealed through twitter because of its ability to swiftly and efficiently receive and share information from a trusted source. There are live tweets of companies’ earning call enabling shareholders who are physically absent during call to receive live information. According to Scott (2013), â€Å"Of Facebook’s nearly one billion strong users, approximately 200 million are mobile only.† On the other hand, YouTube, and Flickr may be utilized in providing videos regarding earning calls, do presentations thus engaging investors with the business financial reports as well as sharing information such as crucial business transactions that include merger and acquisition. It is worth noting that the social network has the ability to reach even remote communities thus enabling the company to operate in distant and remote places while raising awareness about them. There are many reasons justifying the use of social media in financial reporting and performance. Social media’s ability to reach a huge audience makes it the best communication channels for businesses compared to the conventional methods that are inaccessible to some people. According to Scott (2013), â€Å"Statistical research has revealed that more than 95 per cent of  Facebook users log into their account every day. The same number

Should Druthers Forming Limited Be Given The Loan?

Should Druthers Forming Limited Be Given The Loan? DRUTHERS FORMING LIMITED Should Druthers Forming Limited be given the loan? Druthers Forming Limited that was founded in 1987 by Mr. Garrett and Norm Sheppard have requested on July 30, 2007 an amount of $350,000 loan from Mr. Brad Mac Dougall, account manager at the Canadian Commercial Bank (CCB). To know whether or not this amount needs to be passed depends on several factors thus for this purpose there are several questions that are needed to be answered before this decision can be made, thus in this report we will find out the answers to Mr. Brads questions. To make any decision we first need to assess the past financial performance using the statement of cash flow and ratio analysis. If we take a look at the cash flow statement 2007 for the first thing that we can notice is the Net Income which for this year was $-12,100. This means that Druthers Forming Limited for that year have made a loss which is not good for any kind of bank that is giving a loan worth $350,000, even so if we take a look at the Net Cash Flow from Operations we can see that even with a loss the company can easily cover it with cash. In terms of Financial Activities the net cash flow is $-15,212 which again means that the company already has long term loan and is already affecting the cash flow in a negative way. If we go further to Investing Activities we can clearly see again that the net cash flow for this as well is $-68,204 which again is impacting the cash flow in a negative way but the cause for this is that they have a lot of money invested in land and construction, which in due course could come in a form of return and thus will boast the cash flow. The net cash flow after calculation is only $45,974 and with an addition of beginning cash the ending cash is only $118,550 but as mentioned before there is a possibility that some of the negative net cash flow could turn to positive cash flow. The cash flow has given us an idea of the situation of the cash in the company but now we need to go even deeper with finding out what affect the company has on its ratios. The first and the most important ratios for any company is the Liquidity Ratios which include Current Ratio, Acid Test/Quick Ratio and Cash Ratio. To begin with lets look at the Current Ratio which for 2007 is 3.14:1 and for any bank this is good as this assures that the company will easily is able to pay the loan but in term of the company itself it may not be a good sign as this means that they have more than 3 times the current asset to their current liability which will for sure affect the companies interests and thus will affect the Income Statement at a future stage. If we look at the Acid Test Ratio which for 2007 is 3.01:1 we can come to the same conclusion as before with the Current Ration that it is really good for a bank to offer loan to this company. As for Cash Ratio for 2007 it is 1.38:1 which is really good for any company to have a ratio above 1 is very good and this means that they are managing their cash well and will for sure help them to get their loans easily as this assures banks that they will have enough funds to pay the loan in the future. Another ratio that will help us to understand the situation is the Total Debt Ratio which is total asset minus total equity upon total asset. For the year 2007 the total asset was $423,504 and total equity is $302,115 which is equal to 28.6%. This is not bad for any company but considering the Banks point of view it would be a lot better if it was higher that 30%. The second question requests us to project two years financial statements which are the Statement of Income and Balance Sheet for the year 2008 and 2009. This has been shown in the tables below: The next question that was presented is to consider the working capital requirements, including performing a sensitivity analysis on the days of accounts receivable, inventory and/or accounts payable. As given in the working capital for the year 2007 is $183,129 which compared to previous years has fallen drastically. This means that the financial health of the company is deteriorating and this will keep on happening until the company improves it working capital. In terms of Accounts Receivable, Inventory and/or Accounts Payable the age period is 157 days, 12 days and 57 days respectively. The best way to calculate this is to use ratios and for this purpose we will first look into the Days Sales in Inventory which is 365 / Inventory Turnover which is given as 12 days. This means that the company will receive their inventory 30.4 times in 365 days which is very good for the companys cash flow and will thus benefit the bank as well. As for Accounts Receivable we need to take a look at the ratio called Days Sales in Receivables which is 365 / Receivables Turnover. This is also given to us as 157 days which means that it will take 2.32 times for the company to cover its accounts receivable and in comparison if we look at Accounts Payable the number of days mentioned is only 57 days to 150 days because 85% of the yearly purchase were made from May to September which means that the accounts are payable 2.63 times. We can clearly see in the earlier mentioned figures that the company receives the payment much slower that the number of times it pays which is not the best choice for any company as every company should try and keep its accounts receivable and payable as equal as they can. For example if Druthers Forming Limited changed their receiving period from 157 days to 120 days this will increase the receivable time period to 3.04 times which is a lot better and on the other hand if they try to increase the payable period to 70 days this will mean that the company will need to pay only 2.1 times which is much closer than to their actual state. To be a lot serious the better option for the company is to try to reduce the receivable period to 60 days and increase their payable period to 90 days this will mean that it will take 6.08 times and 4.05 times for the company to receive and pay respectively. This would be the best situation for the company as this means that they will receive cash a lot sooner that paying it. In terms of Inventory that was discussed previously we could consider that 12 days in 365 days is not bad but what if the inventory turnover is changed to 20 days. In this case the company will be selling its inventory 18.3 times a year which will impact the cash flow and the balance sheet thus we can come to a conclusion that it would be better to try and keep the inventory turnover to 12 days and if possible to try to reduce it a little if possible. Thus we could say that due to the difference in receivables to the payables the working capital will keep on decreasing until some changes are done. The next question that is put in front of us is to determine the loan amount needed, and decide on the type and terms of the loan. For this purpose we will consider that the loan has been given and we take it as $350,000 as the amount that will be given as loan. There are mainly two types of loan these are secured and non-secured loans. Secured loans is when a bank gives a loan based on an asset as a guarantee and non secured asset is when there is no asset taken as a guarantee but instead it is given based on the bank balance. In this case the type of loan that we will consider is secure loan and thus the terms of the loan will be based on that the building purchased will be considered as a guarantee for it. The other terms will be that the repayment period for the loan will not exceed 10 years and the interest on the loan every year shall be 5.8%. In case of failure to pay the bank will be eligible to claim the property. The loan will be distributed equally through the 10 year span and the interest every year would be $20300. The question that we then need to consider next is the analysis the risk associated with the loan using the four Cs of credit. To begin with this we first need to know what are the four Cs of credit which are character, capacity, capital and collateral. Character refers to the financial history of the borrower (Murray(a)); this means that we need to access the financial data of the company. Druthers Forming Limited gets between 30% and 70% of their sales from Sheppard Homes which is basically one of their family businesses. Due to this reason most of the other builders in the market are very reluctant to give the company any business. Most of Druthers suppliers offered them 30 to 60 day credit term and they did the same as well but the problem with this as mentioned before in the earlier section is that they still ended up paying their creditors before the received any cash from the debtors. This also means that the company has always paid their creditors and even if we take a look at the long term debt of the company they have been paying their debts at a consistent pace. Capacity refers to the ability of the business to generate revenues in order to pay back the loan (Murray(b)). As mentioned before the company did make a loss in the year 2007 and the sales of the company has fallen drastically in a span of three years. This is not the only problem they are having as the cash flow is also not doing very well and unless some changes are done they will keep on having bad cash flow. Capital refers to the capital assets of the business such as machinery and equipment, etc. (Murray(c)) If we look at the balance sheet for the year 2007, we can see that the fixed asset consists of only land and construction in progress which is not much compared to what normally the companys fixed assets tend to be. Collateral is the cash and assets a business owner pledges owner pledges to secure a loan (Murray(d)). As mentioned before the company has not much fixed assets and this means that they do not have any asset to give as security for the loan but as we already know that the company needs the money to purchase a building we can consider it as a guarantee for the loan. Now we need to evaluate several options (deny the loan, grant the request or defer the request) available to the lender to determine which option is the best for this decision. As mentioned in the question we need to consider three options the first option is to deny the loan which considering the companies past would be a better choice as the company has made a loss in 2007, in addition they do not have a good cash flow and last but not the least they have no assets to offer as security which is imposible for a bank to give a loan without a security. The second option to grant the request as mentioned would not be wise but there is some hope in terms of this as we could consider the building that will be purchased as security so that in case of any failure to pay, we could consider the building as payment for the loan but by the looks of things the company has never really failed to pay their long term loans and this is a good sign for any bank. The last option to defer the loan and this may actually be the best option as the company does not have enough funds to pay the bank plus they have no security to properly cover the loan. The best thing would be ei ther to wait for another six months to a year to see the status of the companys finance and then the company could put in another request. The last question that was asked to us was as Mac Dougall, to decide whether to lend funds and to provide supporting rationale for this decision. After giving a lot of thinking to this it seems that it would be better that instead of actually giving the whole amount we can come to an agreement that the bank will give a loan of $200,000 for the first year with an interest of 5.8% per year which is $11,600 per year for a span of 10 years and in case the situation of the company is better after six months or a year, we could offer another $150,000 with the same conditions as above but the company will need to give 60% of the ownership of the building to the bank as security for this loan incase of failure to pay. This may not be the best option for Druthers Forming Limited but considering their week cash flow and balance sheet it would be difficult for any bank to offer the total amount of loan without being fully sure that the company can pay the loan and interest. Bibliography Murray, J. (n.d.). The 4 Cs of Credit for Business Loan. Retrieved August 8, 2010, from About.com: http://biztaxlaw.about.com/od/financingyourstartup/a/4csofcredit.htm Murray, J. (n.d.). The 4 Cs of Credit for Business Loan. Retrieved August 8, 2010, from About.com: http://biztaxlaw.about.com/od/financingyourstartup/a/4csofcredit.htm Murray, J. (n.d.). The 4 Cs of Credit for Business Loans. Retrieved August 8, 2010, from About.com: http://biztaxlaw.about.com/od/financingyourstartup/a/4csofcredit.htm Murray, J. (n.d.). The 4 Cs of Credit for Business Loans . Retrieved August 8, 2010, from About.com: http://biztaxlaw.about.com/od/financingyourstartup/a/4csofcredit.htm

The Yellow Wallpaper -- English Literature

The yellow wallpaper The Yellow Wall-Paper,† by Charlotte Gilman Perkins, can be read as a simple story of a young woman suffering from postpartum depression. Her husband is unsympathetic to her needs, her doctor refuses to acknowledge her serious illness, and her emotional state declines as a result of being forced to stay inside her room in the middle of her vacation with no company except the yellow wallpaper. But, on a deeper level, it is this room and the wallpaper that is pasted all over it that is symbolic and allows the narrator to materialize her depression and slowly decline into insanity. In the beginning of the story, the narrator describes herself as having â€Å"temporary nervous depression -- a slight hysterical tendency.† (169) The narrator is well aware of her condition, and it is apparent that she is also aware of what her condition may lead to. But, if it weren’t for certain imprisoning aspects of her environment, her condition might have never progressed to complete insanity. For example, the windows of the narrator’s room become a materialization of the world that squeezes her into the tiny jail of her own mind, and the wallpaper represents this state of that mind. The room was once used as a nursery, and thus its environment makes the narrator feel like a child, like a being who is taken less seriously than she should be. She is in a room where â€Å"the windows are barred for little children, and there are rings and things in the walls.† (170) The protective bars on the windows are symbolic of the protectiveness of her husband, John, and his well-meaning but ultimately unhelpful suggestions. The narrator is a prisoner in her place of rest, and her husband is but the jailer, watching over ... ...per as I did?† (180) She believes that by locking herself in her symbolic physical prison and tearing off the wall-paper that is symbolic of her mental state, she is releasing herself from all of the expectations of her husband and all the depression she felt throughout the story. The narrator’s physical environment and the symbolism it contained allowed her to materialize her depression and descend into insanity. It is clear that it is possible to view the wallpaper as a reflection of the narrators state of mind and the fact that she took on the character of the woman in the wallpaper to allow herself to break free of the ties that bound her. The confinement of the barred room and the disturbingly vivid wallpaper proved not only to be complimentary to the story, but also to foreshadow the narrator’s escape from depression into a new sphere of insanity.

Alpen Bank: Launching the Credit Card in Romania

Alpen Bank: Launching the Credit Card in Romania Written Analysis of Case Presented to: Miss Tania Hassan Presented by: * Case Overview: Alpen bank has to make a crucial decision whether or not they should launch the credit card business in Romania. The bank had to come up with a market strategy that can generate at least â‚ ¬5 million in profit within 2 years. Prior to introduction of the credit card in the market the Bank has to analyze whether an opportunity exists for the launch of the credit card. It has to further decide how to position the card in the market, what should be the target audience for the service.The bank has currently established a premium image by targeting the affluent class. Core Problem: Whether to launch credit card if it adds â‚ ¬ 5million profit to consumer bank segment within 2 years. The Alpen Bank seems hesitant to launch the credit card due to the existence of following problems: * Low per-capita income levels. * The population seemed inexperienc e with the usage of credit card. Consumer spending was cash based and merchant acceptance of card payments was low. Analysis: Opportunity: Considering the economic and market conditions as explained in the case, Alpen Bank should launch a credit card.It seems that Alpen Bank has an opportunity as economic environment in Romania had changed from 2006 after it joined European Union. The economy there was developing; a growing trends of luxury purchasing emerged, there was also an increasing likeliness of using card instead of cash and lastly other competitors had already taken similar strategies in the market. The credit and debit card market of Romania is also seen to grow at a good pace of 35% in 2006 and about 9. 5million cards were being used in the market. Apart from certain positives there are certain problems in credit card market too.People use cards generally for withdrawing cash rather than for buying products or services so there is less revenue driven from transactions. Ev en merchants are still ignorant in accepting credit cards and prefer payments through cash Thus it shows that Alpen has an opportunity to cash on the credit card but it would require efforts especially in marketing the card. Positioning: Alpen Bank has established a premium image and reputation of serving the affluent clientele. The bank should focus on its current strength rather than penetrating into a new customer base.The affluent class represents the top 10% of population which has about 24% of wealth. They are priced less sensitive and thus positioning the card on high end would be beneficial for the bank. They are career oriented; active professionals who would like to use their cards frequently for making purchases Moreover, for countries like Romania, it is seen that credit cards are somewhat  stickier as compared to the developed countries. This shows that if Alpen positions its card as a high end product, it will gain a share of market which would stick to its card. The middle class is also a potential market for the credit card.The middle class also has a huge potential especially in terms of the size of  market however they are more price-focused and would only welcome this new credit card if  the interest rates are low. They also have a  monthly income which supports them to have a credit card. Based on the attitudes of customers in other emerging economies it can be said that customers in middle-income class have a lower actual utilization rate when compared  with affluent class. If Alpen Bank currently emphasize on Affluent class it would be safer for it rather than it focuses on middle class. As today’s middle class may become affluent class of tomorrow.The decision whether to target affluent class or middle class depends on the revenue they generate solely or combined. The final objective of the analysis is to identify the profit generated if Alpen Bank serves Affluent class solely or it serves both. For this purpose we have analyzed the financial data provided to us in the case. Target Segment| Annual Income| %age of Potential Card Holders| Potential Card Holders| Annual Revenue| Total Revenue| Middle Class| 3,000-4500| 18. 2%| 3385200| 60. 63| 205244676| Affluent| 4500-6000| 15%| 2790000| 123. 38| 344230200| Most Affluent| 6000+| 12. 9%| 2399400| 209. 5| 503274150| Total| | | 8574600| | 1052749026| Total Population Qualify for credit Card = 18. 6million Revenue Per Card Holder (all three classes) = 122. 78 Revenue Per Card Holder ( Affluent+ Most Affluent)=163. 31 In the above scenario we have first calculated the value of each segment. Given in the case is that the population of Cardholders is 18. 6 million. Through exhibit 5 we determine the percentage of potential cardholder for each segment give in the above table column 3. Through that we determine the Potential card holder. After that we multiply the population of each segment with that of annual revenue.After summing up the total revenue we div ide once it with the population of combine three segments to derive Revenue Per card holder, and once with the population of Affluent + Most affluent to derive at the value of Revenue per card holder of affluent and most affluent. Customer Acquisition for All Customers | Unit Cost| Prospect Reached| ResponseRate| Qualification Rate| Conversion Rate| No. of Customer| Total Cost| Cost per Customer| Direct Mail| 0. 50| 2500000| 3%| 60%| 85%| 38250| 1250000| 32. 68| Take One| 0. 10| 2000000| 2. 5%| 30%| 85%| 12750| 200000| 15. 69| FSIs| 0. 05| 3500000| 1. %| 30%| 85%| 13388| 175000| 13. 07| Direct Sales| 3000/rep| 60000| 25%| 60%| 85%| 7650| 3000| 3. 92| Branch Cross-Sell| 1| 50000| 50%| 90%| 85%| 19125| 50000| 2. 61| | | | | | | 91163| 1710000| 18. 75| No. of Customer= 2500000 * 0. 03 *0. 60* 0. 85 In case of Affluent Class the Number of Customer will be reduced by 50% for Direct Mail, Take One and FSIs so the cost per customer for Affluent class will be 18. 31 Profit Calculation All C ustomers| 50,000| | 100,000| Revenue( 122. 78)| 6,139,000| Revenue( 122. 78)| 12,278,000| Acquisition Cost(18. 75)| (937,500)| Acquisition Cost(18. 5)| (1,875,000)| Direct Cost (20)| (1,000,000)| Direct Cost (17. 5)| (875,000)| Revenue| 4,201,500| Revenue| 9528000| Less| | Less| | Fixed Cost| 5,000,000| Fixed Cost| 5,750,000| Advertising Expense| 2,000,000| Advertising Expense| 2,000,000| Total Profit/( Loss)| (2,798,500)| Total Profit/( Loss)| 1,778,000| Through the above calculation of profit we can identify that Breakeven is occurring in between 50,000 and 100,000 customers. So now we calculate the breakeven. X in the following formulae is assumed to be additional customers. 122. 78 ( X+ 50,000) – ( 5,750,000+2,000,000) – ( 50,000*17. 5 + 36. 5*X) =0 X= 28,758 Break Even = 50,000+ 28,758= 78,758 At 150,000 customers we are generating revenue of greater than 5million so to identify the no. customer at which we get 5million profit we develop the following formulae 122 . 78( X+100,000)- ( 650,000+2,000,000) – ( 100,000*15 + 33. 75*Y) = 5,000,000 No. Of Customer =130,574 We apply the same process to the affluent class. Break Even: 163. 31( X+ 50,000) – ( 5,750,000 + 2,000,000) – ( 50000* 17. 5 + 35. 81* X) = 0 X= 3,604 Break Even = 53,604 Revenue Analysis: 163. 31 ( X+50,000) – ( 6,500,000 + 2,000,000) – ( 15*100,000 + 35. 81* X)= 5,000,000 X=42,820No. of Customer = 92,820 Recommendations: After doing the further breakeven and revenue analysis we recommend ALPEN bank to launch credit Card. The Bank is able to generate the profit as required. The bank should Position Credit Card as a high-end premium product in the initial stages. Firstly it is easy for bank to cater the need of the existing customers. By positioning the product in the affluent class the Bank is able to reach breakeven point in less number of customers. After getting a strong foothold in the market the Bank should focus of targeting the middle clas s as they are affluent class of tomorrow.

The Uniform Crime Reporting System Essay - 1525 Words

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