Research Paper Mark Twain Free Essays

Isabella Thomaz Donna Hunter †Period 2 Research Paper †Mark Twain October 26, 2012 MARK TWAIN: A REMARKABLE MAN WHO PAINTED THE WORLD â€Å"Classic’ †a book which individuals acclaim and don’t read. † When Samuel L. Clemens (all the more frequently alluded to as Mark Twain) said this, he implied it from a diverting perspective, however he additionally needed individuals to comprehend it’s meaning. We will compose a custom article test on Examination Paper Mark Twain or then again any comparable subject just for you Request Now Individuals call books like Huck Finn and Gatsby works of art, yet the possibility that these books are really perused by everybody isn’t so. Twain isn’t only a traditional author since we consider him along these lines, he is given that title for the political impact he figured out how to present to his perusers. He needed to show that the possibility of sentimentalism was solid for little youngsters except if utilized unreasonably. He communicated this point by making Tom Sawyer, a kid who loved sentimentalism; a development in human expressions and writing that started in the late eighteenth century, underlining motivation, subjectivity, and the supremacy of the person. Furthermore, to have an adjusting inverse, Huckleberry Finn was included into the condition †a kid who had no instruction however grew up both intellectually and truly rapidly on account of his destitution. Twain’s thought of this political impact was a significant effect on the individuals in his time as a result of the isolation of the whites and blacks †which was such a major issue in that time with fights and such †thus his perspectives were law based. We despite everything esteem his impact today, due to the subjection issue as well as on account of the debate between sentimental strength and quiet insight, sentimentalism having an increasingly inventive impact and insight striking your insight and building it on realities. That is the reason The Adventures of Tom Sawyer and The Adventures of Huckleberry Finn are intended for various matured perusers †to affect a specific impact at a more youthful age when you read Tom’s story which is generally increasingly innovative, and to see the difference in Twain’s endeavor to express what is on his mind of sentimentalism being undesirable for individuals like Tom in Huck’s story. Toward the start of Huck’s story, there is a robber’s scene where the two young men and their companions attempt to make a situation, for example, in a wild west book and it is told in both boys’ viewpoints, anyway they are seen or seen totally in an unexpected way. William F. Byrne descbribes it as an adjustment in Huck and Tom’s characters from the Adventures of Tom Sawyer to the Adventures of Huckleberry Finn since where Tom depicts them, â€Å"We ain’t thieves. That ain’t no kind of style. We are outlaws. We stop stages and carriages out and about, with veils on, and murder the individuals and take their watches and cash. † (Adventures of Huckleberry Finn: 26-28) Huck decides to call themselves burglars, and wipe out the creative mind by saying that they don’t murder individuals and that he was distinctly in it for the benefit, to which he discovered none. And afterward as Byrne brings up, â€Å" In the previous book Huck was the oddball on issues of the creative mind; different young men invited the chance to share Tom’s dreams. For this situation, in any case, we are informed that all the young men surrendered; it is Tom who is the oddball. Different young men are maybe becoming unreasonably old for this sort of innovative play, however not Tom. Only he stays resolved to re-sanction the sorts of sensational occasions he has found out about in fiction. † (Byrne, William F. Things have changed in the young men life and this is the way Twain starts to uncover his questionable clashes with sentimental creative mind in both Tom and Huck’s stories. A further showing of Twain’s political ramifications is Huck’s reaction to both Tom’s and the ‘duke’ and ‘dauphin’s’ (two men who happen to jump onto Huck’s pontoon with Jim, a got away from slave) predominance of being in control. Huck, so as to forestall fights and look after harmony. He permits them to assume responsibility and does whatever they state. The main distinction between Tom’s predominance and the two men who bounce on Jim and Huck’s pontoon is that Huck just follows Tom since he offered the destitution stricken kid companionship. Likewise Tom’s interest with sentimental minds engages Huck since it is the main piece of innocent quality he can accomplish. The ‘duke’ and ‘dauphin’ have a feeling of charge to the point that Huck really has nothing to do with the issue on the grounds that despite the fact that he has grown up and hungers for additional to the comprehension of true issues, he is nevertheless a kid and Jim is a gotten away from slave. Be that as it may, there is something more Twain included to Huck’s conduct, and this is a direct result of his father’s physical predominance, he has withered into a sheep. He normally permits himself to be put underneath another person. â€Å"The quiet statement that nothing is going on which reasonable and insightful men know about and are locked in by their obligation to attempt to stop. † (Mark Twain) Twain’s words depict Huck’s type of character just and this is an entrancing thought that Twain uses to recognize Huck’s authenticity to Tom’s sentimentalism psychological reasoning. Twain shows how individuals have become quite a lot more associated with sentimentalism creative mind without knowing it. The innovative advances in the public arena drive man to a progressively predominant perspective and that men esteem their take a stab at prevailing accomplishment over things like a family member’s passing. He utilizes the Grangerfords and Shepherdsons, two families and neighbors with a progressing fight that causes clashes with the relatives who need nothing to do with it, quarrel to communicate this for instance when one from every family subtly gets hitched and this causes a fight that definitely slaughters Huck’s companion, Buck. This is a compelling theme more to introduce day society than from his time in light of the fact that wherever you look, humankind is battling with one another and we tenaciously respect what ought to be esteemed over cash and political issues †our family’s prosperity and to check out our disintegrating society that must be reproduced by everybody dropping their arms and helping each other out to get one with harmony without yielding to a predominant power as Huck Finn has permitted to be done to him. There is unquestionably an old style sense about Mark Twain, however it isn't on the grounds that somebody just says ‘Oh hello this person is a great writer,’ it is a striking sense since he has an extremely amazing and political impact that was seen both in his time and our own, particularly with his books Tom Saywer and Huck Finn. Regardless of whether they are unique. I accept his impact will keep on endeavoring forward supposing that it’s one thing he made unmistakable, a piece of humankind will consistently take a stab at strength and the individuals who see it and need to take care of genuine issues will probably be the sheep made by truly overwhelmed men like Huckleberry Finn. In any case, they won’t be separated from everyone else. Since as Twain impact arrives at increasingly more sheep, they will end up being the lions and end the prevailing endeavor and will keep up harmony through balance. Works Cited: †Marshall, Donald G. â€Å"Twain, Mark. † World Book Student. World Book, 2012. Web. 28 Oct. 2012. †Foner, Eric, and John A. Garraty. â€Å"Twain, Mark. † The Reader’s Companion to American History. Dec. 1 1991: n. p. SIRS Issues Researcher. Web. 28 Oct 2012. †â€Å"Mark Twain. † Wikipedia. Wikimedia Foundation, 28 Oct. 012. Web. 28 Oct. 2012. . †â€Å"Twain, Mark (1835-1910). † The Hutchinson Unabridged Encyclopedia with Atlas and Weather guide. Abington: Helicon, 2010. Philosophy Reference. Web. 28 October 2012. †Byrne, William F,. â€Å"Realism, Romanticism, and Politics in Mark Twain. † Realism, Romanticism, and Politics in Mark Twain. National Humanities Institute, 1 Nov. 199 9. Web. 28 Oct. 2012. . †Twain, Mark. â€Å"Chapter 4. † Adventures of Huckleberry Finn. New York: Random House, 1996. 26-28. Print. Instructions to refer to Research Paper Mark Twain, Essays

Career As Accounting Manager At Coca Cola †Myassignmenthelp.Com

Question: Talk About The Career As Accounting Manager At Coca Cola? Answer: Presentation: It is critical to pick a profession where an individual has enthusiasm for and has the certainty to thrive. A woman who is quite disposed towards being HR could never prevail in deals or in monetary issues of the organization. It is critical to begin arranging early and accomplish the degree that would enable that person to get into that field of employment where it is significant. A people information and expertise assumes a significant job in deciding the part he would no doubt be working in future. This paper would consider the things that an individual requires to act in being bookkeeping administrator and the manners in which he can be effective in it. The essentialness of bookkeeping director is enormous to the authoritative achievement. He is the individual who is at risk for the arranging, sorting out, staffing and organizing the general exercises identified with budgetary issues of an organization. The basic size of the bookkeeping capacity, the bookkeeping administrator connects with a significant area in the administration chain of command of the bookkeeping affiliation. Nonetheless, the position and the impact of the bookkeeping director basically rely upon the element of the association (Johnston Marshall, 2016). In littler associations, the general fund director accomplishes the utility of the bookkeeping supervisor. In the greater part of the large and medium measured associations, the bookkeeping director surmises the job of the chairman for offering normalized headings and gearshifts for the fruitful usage of the budgetary arrangement. A budgetary administrator is commonly utilized by the top administration authorities and is responsible to them. In greater associations, fund administrators are being employed for completing the essential obligations and duties in productive way (Dmitrieva et al., 2014). Despite the fact that they are being known by differing suggestions like the business official, executive of deals, promoting director, and the team lead is expressed to be the coordinating and dynamic power inside the business office. The compelling exhibition of the division of deals mostly relies upon the capable administration of the director of deals (Dimon, 2013). The money supervisor works under enhanced work condition, distressing and requiring to deal with outrageous circumstances the vast majority of the occasions. Fund or Accounting chiefs need to gain the outcomes from the tem they manage. The champion factor for the bookkeeping chiefs has consistently been their capacity in having the option to work under tension. They need to keep up the uplifting demeanor and intensity even the group is experiencing an unpleasant stage and the going is extreme. The fund administrator would be responsible for the support of the bookkeeping standards alongside the creating of the equivalent, practices and procedures for guaranteeing careful and proper fiscal reports (Venter, Wright Dibb, 2015). Fund chief are prone to work in different businesses in which they escort a the money related issues of the organization. A level of single guy may end up being adequate for this specific occupation, yet managers seem to support a certificate in aces as a rule the one that is applicable to their industry. Different things that businesses consider are the outcome arranged understanding of the one going after the job (Bolander, Bonney Satornino, 2014). An individual ought to have solid relational abilities alongside exceptional composed and verbal correspondence aptitude, systematic abilities. He ought to likewise have the fitness of performing multiple tasks, complying with time constraints when required alongside client assistance abilities. Managers likewise search for people having nature with the investigation of information and revealing of the equivalent. More than everything else, an uplifting disposition is what is required in account administrators (Tavitiyaman, Weerakit Ryan , 2014). The irreplaceable abilities required for the bookkeeping administrator are business mindfulness, all around familiar with the innovation, cooperation, data conveyance and setting up of a model. For having general aptitudes in business, alongside legitimate information and comprehension of the manners in which associations and enterprises have been chipping away at entirety. The bookkeeping chief needs to comprehend the manners in which the business is being run. For the mechanical angle, it isn't just constrained to announcing of the MS Excel or programming, yet additionally having the option to suggest innovation for computerizing the procedure that have been traditionally done physically. A bookkeeping supervisor if can accelerate the activities while managing quality, it increases the value of the association (Fischer Karlan, 2015). A fund administrator ought to have the option to exhibit the aptitudes of a cooperative person while working inside his group or collaborating with his seniors. A bookkeeping chief ought to have the option to gather information in fast way and in generally exact of ways, one ought to have the option to pass on recognizing data to the crowd it is proposed for. This is huge while conveying reports to the top administration. The bookkeeping administrator ought to likewise have the option to empower and persuade others about the criticalness of the money related pedals and procedures. The characteristics required by the bookkeeping administrator are the cooperation, the executives, correspondence, precision and productivity. Bookkeeping chiefs ought to have great logical aptitudes, with the capacity to understand money related information and making suggestions dependent on the information. Bookkeeping supervisors do require great feeling of controlling things. Their brisk ID of the plausible issues in things like income or spending upsets could hazard the budgetary situation of the organization. (Tsou Hsu, 2015). An extraordinary bookkeeping supervisor would consistently be energetic in helping other people succeed, getting a charge out of the time they put resources into others and the craving to educate them. For mindfulness, a bookkeeping chief ought to have the inclination in unloading their procedure of financing and having a more profound comprehension of the things that work and what doesn't. The work of team leads are anticipated to develop by 3 percent from the period going from 2017 to 2024, as quick as different occupations normal. The development of their work would for the most part rely upon the strengthening or narrowing of the businesses that have been utilizing them. According to May 2017, the normal yearly compensation for the bookkeeping supervisors has been $ 108,980. This area would manage a predefined business and that employer5 has been taken as Coca Cola. Coca Cola is a major organization and presents open doors for project leads to exhibit their abilities and gifts. Coca Cola is a global drink organization and the maker and retailer of non-mixed refreshment. It is an organization that has its reality wherever on the planet. Its size can be all around perceived with the US $87.280 billion it has been holding according to 2016 alongside the overall gain of US $6.527 billion. This organization sprung up in 1886, when a man by the name of Dr. John S. Pembertons interest drove him in making an eccentric tasting milder beverage to be sold at the soft drink wellsprings. The organization from that point forward has made some amazing progress to be the worldwide pioneer in the area of refreshment and non-mixed beverages. The worldwide idea of the business arrangement of Coca Cola has the most extreme standards and procedures in guaranteeing trustworth y quality over the whole worth chain of the organization. Coca cola has faith in conveying more secure, reviving and more excellent refreshments and flourishes hard in fulfilling the right guidelines of item quality and wellbeing (coca-colacompany.com, 2017). For accomplishing customary quality and wellbeing, Coca cola has solid acts of administration set up and work steadily in guaranteeing congruity with fitting guidelines and principles. The Coca Cola Company understands the way that the divisional course of action gives the association best possibility in responding to the adjustments in its uncertain condition, yet in addition encouraging it in keeping up the soundness level. The multidivisional structure is important for the association for various reasons. The division is for the most part dependent on the geographic districts encouraging certain highlights of the tasks of the organization to be adjusted inside an individual market. Markets are extraordinary and the multidivisional structure encourages the divisional directors in taking care of customary tasks while the corporate supervisors are free in concentrating on the arranging of long haul. Anyway there are sure issues with this structure. In the event that the organization ahs been making divisional finishing, coordination more then likely would diminish as every one of the division would need to have an advantage over every other person. Correspondence i ssues may likewise exist as data may be undefined when it is being required to go here and there in high chains of importance (Roderick, 2017). Coca Colas culture is basically centered around seven fundamental beliefs which are energy, initiative, honesty, assorted variety, coordinated effort, responsibility and quality. At Coca Cola they put stock in reviving the world in body, mind, and moving the snapshots of lightness, making esteems and making a uniqueness. Coca Colas assorted variety work environment approach considers the projects for drawing in, holding and building up the enhanced ability, offering emotionally supportive networks for the gatherings having broadened foundations. The representative of the organization buckles down in guaranteeing reasonable work air for all the partners, every one of them experiencing broad decent variety preparing on standard premise. The crucial coca cola has consistently been to revive the entire world, making esteems that have any kind of effect (Coca-Cola Hellenic Customers., 2017). The clients of Coca Cola are consistently looking towards diminishing of costs, improving the deals and benefits, and conveying better quality. In the year 2003, an advertising group at Coca Cola having their bases in North America set out in compensating the associations generally steadfast of clients and b

Get Your Mariners Safety Training Certification

Get Your Mariners Safety Training Certification In the event that you are searching for a vocation in a sea field, you may consider acquiring your Standards for Training Certification and Watchkeeping (STCW) accreditation. This confirmation is an essential security preparing yet it tends to be a significant venturing stone to finding your fantasy work. Stage 1: Determine How You Will Use Your Training Your definitive objective will decide the best way to your STCW accreditation. On the off chance that youre not secure with the specific occupation you need that is alright in light of the fact that the greater part of the accompanying advances apply to everybody looking for this essential wellbeing preparing. The two fundamental exemptions are boss explicit courses like those intended for voyage ships and post-military work force who need to move their abilities to regular citizen affirmations. Regardless of whether you can be categorized as one of these classes there are points of interest to following these means. Stage 2: Determine the Job Requirements for Your Goal Position On the off chance that you have an objective manager and occupation it ought to be exceptionally simple to find a new line of work portrayal in addition to insignificant and favored prerequisites. STCW affirmation is perceived globally and shifts little from the first IMO show. Few out of every odd activity will have a composed portrayal of necessities and some may basically embrace a normalized depiction from an outsider or government office. In the event that you are all alone in this experience, at that point it will take more work to discover what you have to do. Well utilize a typical case of group on a private vessel. Recreational Boating is a typical passage point into the business side of the business. Numerous situations for team are offered every year and some in fascinating goals can be a fantastic method to travel and still produce pay. Practically these group positions require STCW accreditation at any rate. So as to diminish protection costs and guarantee the security of the vessel and travelers everybody working on board should be STCW ensured. The abilities of STCW are the very nuts and bolts yet bargain probably the most significant preparing a mariner will get in their profession. On the off chance that you can't figure out what the specific capabilities are required for the activity search for some proportional vessels and look at least capabilities. Schools can offer some counsel as well. Stage 3: Identify a Training Location This is simple since there is just a single choice nowadays. Previously, a STCW confirmation could be picked up on experience alone. Today the inverse is valid, the entirety of the preparation happens in the study hall and periodically showed in the field. In the event that you are new to pontoons you might need to search for a course that is hands-on and offers some time on the water. Hands-on courses are progressively costly yet justified, despite all the trouble on the off chance that you dont have noteworthy down to earth understanding. For certain businesses, a course with certifiable conditions may replace some ocean hours. The expense of any of these courses is huge and in places like the United States, the expense to get a few affirmations is significantly higher because of additional safety efforts. Glance around, comprehend what kind of item you are looking for, read audits, converse with potential bosses; you may need to travel however that can be remembered for costs on the off chance that you are accepting budgetary guide. Money related guide can be utilized for oceanic instruction and most schools make that procedure as simple as workable for potential understudies. Stage Four: Obtain Experience This is the most significant advance of all. There are numerous alumni of STCW programs that have no professional training and miracle why they cannot land that position in the Mediterranean. Straightforward, those employments go to tried STCW graduates. Land any position you can that gives you some time on the water that can be recorded. Possibly your territory just has a short traveler season and neighborhood occupations produce hardly any hours consistently. Take those couple of hours, have your boss archive them, and remember them for your resume or CV.

Strategic Audit of Wal-Mart and Kmart Case Study

Key Audit of Wal-Mart and Kmart - Case Study Example It was begun in the year 1962 in Rogers, Arkansas, by Sam Walton. It took far to arrive at a yearly deals turnover of $1 billion. Continuously 2002, Wal-Mart turned into the world's biggest retail goliath with deals of $218 billions. In the underlying long periods of beginning the business, Wal-Mart planned a system to manufacture enormous rebate stores in country zones. Wal-Mart utilized the system of selling marked items at a low cost. At first, the administration of the firm chose to build up the firm as a one-stop limited departmental chain store with a tremendous assortment of general product merchandise to be offered to the clients that too at a low cost. The administration's underlying spotlight was on its buy choices. The firm centered around investigating every single open door that helped when all is said in done product merchandise. The two significant results of the whole Wal-Mart product offering on which the firm laid a solid accentuation were wellbeing items and magnificence items. The stores used to keep up a high supply of these items. When the firma got fruitful in opening in excess of 279 stores before the year's over 1979, the following spotlight was on planning methodologies for extending the firm forcefully. Conversely, to the next retail locations who fabricated product houses so as to serve the previously existing outlets, Wal-Mart used to initially assemble dissemination focuses and later began stores around the circulation places. This methodology of Wal-Mart helped the firm in pooling the promoting and dissemination overheads. The firm additionally centered around the transportation time required for a client to arrive at the outlet. The procedure of forceful extension ended up being a major achievement in light of the fact that Wal-Mart turned into the biggest retailer and markdown stores in United States before the year's over 1991 which had just about 1,573 Wal-Mart outlets in 35 states. When the firm achieved the situation of national markdown retail chain, it planned its outlets so that they gave a one-quit shopping to its clients. The outlets were intended to have 40 distinct offices like clothing, wellbeing items, magnificence items, toys and so on. Wal-Mart was exacting on not spending tremendous sum on exceptional advancements and publicizing methodologies and so forth. It rather worked its outlets on an idea of ordinary low costs. It was a confidence in each client that the Wal-Mart stores would give them an amicable, perfect and an exceptionally charming encounter each time they shop.The year 2001 was a genuine testing period not exclusively to the retail business yet additionally for some different enterprises. The purpose behind this resembling a year that finished with a most exceedingly awful Christmas season i.e end of 2000, vitality emergency, the ascent in the joblessness factor, the spending of the shoppers got drowsy and to wrap things up - psycholog ical oppressor impacts of the WTO on September11, 2001. In spite of the fact that the firm got fruitful in pretty much every methodology planned, it didn't disregard to concentrate on the outside market condition simultaneously. The firm unequivocally accepted that their business in the prospective year would be influenced by the outer market condition. The outer variables would likewise impact the monetary figures in the organizations' parity

Essay Topics For Essay Topics

Essay Topics For Essay TopicsLearning about topics to be included in your college essay is one of the most important parts of writing your assignment. Topics for essays have always been given a lot of thought and consideration by students. In fact, you may need to study your topic carefully in order to determine what will fit your specific writing style and situation.The number of courses that are covered may vary. There are many different categories and many different areas within each category. Some of the more popular types of topics are current events, leadership, marketing, and business. This article will take a look at the main categories as well as some of the different options that you have to include with your writing assignment.Current Events: These topics are always included with essays due to the history and discussion of current events. This can be hard to write for some students, especially those that are very skeptical about what is going on in the world around them. S tudents that are able to write about current events tend to be in control and knowledgeable about current events.Leadership: This is another subject that is very important when writing for essay topics. Although this is not as prevalent as other topics, it is one that can be difficult to write about if you do not know the topic well. The best way to go about researching and writing a leadership essay is to find someone who has done this before and ask for their help.Customer Service: If you are a customer service type of person, this would be an excellent topic to choose. You will learn a lot from your customers. Many times your customers will give you tips on how to improve your customer service. This is a very important topic to include in your assignment.Business: In order to research topics, you may want to consider how businesses function in your area. There are many different types of businesses and you will want to find out what types of businesses there are that your school offers classes. These may include office supply stores, small retailers, and big retail companies. The key to finding topics that you can use for your essay is to look at things that are common in these types of businesses.Marketing: A great way to learn about the future of your school, your city, or your country is by researching about different types of businesses and what they offer. Businesses that are successful will have a lot of different marketing ideas that they can use to make their business look as professional as possible. When creating your marketing essay, you will want to stay on the up.These are some of the most common essay topics that you will encounter throughout your college years. Make sure that you stay on top of the current trends in this area of study. You will also want to understand the best ways to research on each of these topics in order to create a comprehensive report.

College apps! Who cares

Okay, just kidding. I don't actually meant to not care about your future education. But there are so many people who almost exclusively worry about their extra-curricular activities and their grades. I’ve heard many people in the clubs I join almost boastingly declare that they only join so they have something to put on their college applications. While planning ahead is great and all, don't you think there should be a little more to high school than college applications? Don't get me wrong, of course it's important. I know how PRECISELY how important it is. I hear practically EVERY DAY about how important it is. But I hate that it's making people do what they think is right rather than what they want to do or what they could develop into a serious interest. Here are a few examples of some clubs and a few things I think are worth mentioning. Key Club "I need the volunteer hours." I actually love Key Club. I get to help out in my community, which I actually ADORE, because I kn ow a lot of the people in Los Altos and I get to interact with them more often than I normally would. Contributing to the community is a common college app explanation, but to me it's more than that. It's getting a lot out of it, too. Green Team "Save the earth! Hang out with friends!" Perhaps the hanging out with friends part only really applies to my school, but there is always that one (or two, or three) clubs on campus that's dominated by certain friend groups. This is an absolutely atrocious thing to do, because one, it makes others feel excluded and discourages interest in the club, and two, it drags friends into the cause and uses up time they could be doing something that they truly love... Though, I guess it’s a good deal. Friends, volunteer opps, and great college essay topics? Why isn’t it more popular The go-to college app explanation for this would most likely be something about not decimating the earth and undoing the damage that's been done by past gene rations. For me, I wasn't even aware of the issue until I visited the country I grew up in and realized that I couldn't breathe without choking on the haze. Fresh air was only found in air-conditioned mega-malls, and there was no sign anywhere of the familiar blue bins I have since grown to love. As a bonus, I got my family in on it too! National Honors Society This one is purely for college applications. I can’t disagree. California Scholarship Federation ...No contest here either. The list is short, but you get the gist. Students should join clubs because they truly believe in what it stands for, not because it gives them more to write about on their college applications. The activities and the qualities they demonstrate really shouldn't be as important as how they use those activities to build their character and discover what they love. And guess what? Colleges love that! They love to see that you’ve found something you are truly interested. They love to see th at you know the difference between well-rounded and well-strained. And I bet you’ll love to see that too.

The Problem Of Gender Inequality - 950 Words

Gender inequality is a serious problem in our community. Since childhood I saw my mom work long hours in order to bring food to our table. Unfortunately for me, I never got to see my dad since he left my mom before I was born. I grew up in Monticello, New York, a place known for its poverty and violence. Monticello featured woman working in grocery stores and men seen selling and abusing drugs on the streets. Whenever an expensive car would drive by, men would stare and express verbal signs of hatred towards the owner. Since this was the lifestyle I grew up around, I had to make a choice whether to stay here, sell drugs or go to college and pursue a healthier life. An important factor that contributed to my decision, was a recent encounter I had with gender expectations. I understood why our perception, state of mind, was a key factor that determined gender inequality, how it determined who gets hired, who contributes most to his or her work and why this was such a problem. At age 15, I decided to apply for a job in my local Mc Donald’s. I had waited almost a month for this job and although no past experience was required, I still had a great deal of fast-food understanding on my resume. After my interview was over, I was confident that I would be hired, even the manager assured me since I was the most intelligent applicant out of all applicants, I would be given more priority. To my surprise another person had applied for the same position, was hired by the manager on theShow MoreRelatedThe Problem Of Gender Inequality1041 Words   |  5 Pagesopportunity to have an education due to the lack of belief in the value of education for women in. In addition to that, women have certain regulations and laws to abide by regarding legal and political rights. Furthermore, there is the problem of gender inequality in the workplace for women as they face discrimination. Women face injustice to be considered equal to men in third world countries. 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The Flat World And Education - 848 Words

In line with Hammond’s assertion in her book The Flat World and Education that we only spend ten thousand dollars a year per student to educate our students, but we would and have spent in some cases thirty thousand to incarcerate them (2010). What if we took that forty thousand dollar combined total and split it up evenly? So that we spend twenty thousand on our students and twenty thousand on those we convict and sentence to incarceration. Because while education of those not in prison is important, I find that education of those who are institutionalized (to include those in prison) especially if their term of institutionalization or incarceration is to find an end. Whether it is only for things like behavior mitigation (Alcoholics Anonymous, Anger Management, and Al Anon†¦ Etc). If we ever expect to slow down the flow in and out of prison. Flow as it relates to a prison population are the total number of prison admissions and releases, as they relate to the â€Å"sto ck† prison population which is the number of citizens being incarcerated in total at any given point in time. Also, of importance I think to realize is that the time has passed to debate whether or not incarceration works as an absolute as compared to deterrence. If my memory serves me correctly I argued in Dr. Lowery’s week three discussion on the matter that we as a nation could only effect the stock population of inmates if we focus on better application of deterrence and Incarceration as a method to improveShow MoreRelatedThe Flat World And Education1716 Words   |  7 Pages In their novels The Flat World and Education: How America s Commitment to Equity Will Determine Our Future and Education and Opportunity, both Hammond and McShane offer expert insight and solutions to repair America’s broken educational system. 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The Microfinance Profile Growth In India Finance Essay - Free Essay Example

Sample details Pages: 12 Words: 3726 Downloads: 5 Date added: 2017/06/26 Category Finance Essay Type Research paper Did you like this example? Microfinance has emerged as an important sector in many countries for providing financial services such as savings, credit, insurance and remittance services to the poor. Microfinance has become a global phenomenon. Governments, central banks, donors, practitioners, and other development agencies promoting microfinance are increasingly involved in the developing suitable policy initiative for meeting local needs. Don’t waste time! Our writers will create an original "The Microfinance Profile Growth In India Finance Essay" essay for you Create order In India, a range of institutions in the public sector as well as the primary sector, offers microfinance services. These can be broadly categorized into two categories namely, formal institutions. The formal category comprises apex development financial institutions, commercial banks, regional rural banks, and cooperative banks that provide microfinance services in addition to their general banking activities and are referred as to as microfinance service providers. On the other hand, semi-formal institutions that undertake microfinance services as their main activity are generally referred to as microfinance institutions (MFI). While both private and public ownership are found in the case of formal financial institutions offering microfinance services, the MFI are mainly in the private sector. Microfinance service providers Microfinance service providers include apex institutions like National Bank for Agriculture and Rural Development (NABARD), Small Industries Development Bank of India (SIDBI), and Rashtriya Mahila Kosh (RMK). At the retail level, commercial banks, regional rural banks (RRBs) and cooperative banks provide microfinance services. Today, there are about , over 60000 retail credit outlets of the formal banking sector in the rural areas comprising 12000 branches of district level cooperative banks, over 14000 branches of the regional rural banks (RRBs) and over 30000 rural and semi-urban branches of commercial banks besides over 90000 cooperative credit societies at the village level. On an average, physical reaching out to the far -flung areas of the country to provide savings, credit and other banking services to rural society in general, is un-paralled achievement of the Indian banking system. However, discussion on microfinance through formal banking institutions are excluded attempt made to deal with various aspects relating to emergence of the private microfinance industry in the context of prevailing legal and regulatory environment for private sector rural and microfinance operators. Emergence of Private Microfinance Industry The microfinance initiative in the private sector can be traced to the initiative undertaken by Ela Bhatt for providing banking services to the poor women employed in the unorganized sector in Ahmedabad, Gujarat. Shri Mahila SEWA (Self Employed Womens Association) Sahakari Bank was set up in 1974 by registering it as an urban cooperative bank. Since then, the bank has been providing banking services to poor self-employed women working as hawkers, vendors, domestic servants, and so on. In the midst of the apparent inadequacies of the formal financial system to cater to the financial needs of the rural poor, NABARD sponsored an action research project in 1987 through an NGO called MYRADA. For this purpose a grant of Rs 1 million was provided to MYRADA for an RD programme relates to credit groups. Encouraged by the results of the field level experiment in group- based approach for lending to the poor, NABARD launched a pilot project in 1991-92 In partnership with non-governmenta l organization for promotion and grooming self help groups of homogeneous members and keeping savings with existing banks and within the existing legal framework. MFI AND LEGAL FORMS Legal form of MFI in India Types of MFI Estimated Number* Legal Acts under which Registered Not for Profit MFI a.) NGO MFI 400 to 500 Societies Registration Act, 1860 or similar Provincial Acts Indian Trust Act, 1882 b.) Non-profit Companies 10 Section 25 of the Companies Act, 1956 Mutual Benefit MFI Mutually Aided Cooperative Societies (MACS) and similarly set up institutions 318 Mutually Aided Cooperative Societies Act enacted by State Government For Profit MFI Non-Banking Financial Companies (NBFCs) 6 Indian Companies Act, 1956 Reserve Bank of India Act, 1934 NGO MFI: There are a large number of NGOs that have undertaken the task of financial intermediation. Majority of these NGOs are registered as Trust or Society. Many NGOs have also helped SHGs to organize themselves into federations and these federations are registered as Trusts or Societies. Many of these federations are performing non-financial and financial functions like social and capacity building activities, facilitate training of SHGs, undertake internal audit, promote new groups, and some of these federations are engaged in financial intermediation. The NGO MFI vary significantly in there size, philosophy and approach. Therefore these NGOs are structurally not the right type of institutions for undertaking financial intermediation activities, as the byelaws of these institutions are generally restrictive in allowing any commercial operations. These organiza tions by there charter are nonprofit organizations and as a result face several problems in borrowing funds from higher financial institutions. The NGO MFI, which are large in number, are still outside the purview of any financial regulation. Non-Profit Companies as MFI: (Non-Profit Section 25 NBFC-MFI) Many NGOs felt that combining financial intermediation with there core competency activity of social intermediation is not the right path. It was felt that a financial institution including a company set up for this purpose better does banking function. Further, if MFI are to demonstrate that banking with the poor is indeed profitable and sustainable, it has to function as a distinct institution so that cross subsidization can be avoided. On account of these factors, NGO MFI are of late setting up a separate Non-Profit Companies for there micro finance operations. MFI is prohibited form paying dividend to its member. Mutual Benefit MFI: Several State Governments therefore enact ed the Mutually Aided Co-operative Societies (MACS) Act for enabling promotion of self-reliant and vibrant co-operative Societies based on thrift and self-help. MACS enjoy the advantages of operational freedom and virtually no interference from government because of the provision in the Act that societies under the Act cannot accept share capital or loan from the State Government. Many of the SHG federations, promoted by NGOs and development agencies of the State Government, have been registered as MACS. Reserve Bank of India, even though they may be providing financial service to its members, does not regulate MACS. For Profit MFI: Non Banking Financial Companies (NBFC) are companies registered under Companies Act, 1956 and regulated by Reserve Bank of India. Earlier, NBFCs were not regulated by RBI but in 1997 it was made obligatory for NBFCs to apply to RBI for a certificate of registration and for this certificate NBFCs were to have minimum Net Owned Funds of Rs 25 lakhs and this amount has been gradually increased. RBI introduced a new regulatory framework for those NBFCs who want to accept public deposits. All the NBFCs accepting public deposits are subjected to capital adequacy requirements and prudential norms. There are only a few MFI in the country that are registered as NBFCs CAPITAL REQUIREMENTS NGO-MFI, non-profit section 25 company mFI, and cooperative MFI are regulates by specific Act under which they are registered and not by the Reserve Bank of India. These are therefore not subjected to minimal capital requirements or prudential norms. These MFI desiring to become NBFCs are required to have a minimum entry capital requirement of Rs 2 Crore. As regards prudential norms, NBFCs are required to achieve capital adequacy of 12 per cent and maintain liquid assets of 15 per cent on public deposits. FOREIGN INVESTMENT Foreign investment by way if equity is permitted in NBFC-MFI subjected to a minimum investment of US$ 500,000. INTEREST RATES Interest rates are deregulated not only for private MFI but also for the formal banking sector. In the context of softening of the interest rate s in the formal banking sector, the comparatively higher interest rate (12 to 26 per cent per annum) charged by the MFI has become a contentious issue. The high interest rate collected by MFI from their poor clients is being perceived as exploitative. It is argued that raising interest rates too high could undermine the social and economic impact on poor clients. As most MFI have lower business volumes their transactions costs are far higher than those of formal banking channels, the high-cot structure of MFI could affect their sustainability in the long run. COLLATERAL REQUIREMENTS All legal forms of MFI can waive physical collateral requirements from their clients. The credit guideline of the RBI allow even banks to wave any type of collateral and margin requirement for loans up to Rs 50000. Current status 2009-2010 The Indian microfinance sector presents a strong growth story. Its growth performance was impressively sustained through the liquidity crunch and continued at an increased rate in the second half of 2009. As of March 2009, the MFI in India reported a client base of 22.6 million with an outstanding portfolio of more than $2 billion. Over the past five years, the sector has delivered a CAGR of 86% in the number of borrowers and 96% in portfolio outstanding. In the 12 months from March 2008 to March 2009, the microfinance industry experienced a 59% growth in its client base from 14.2 million to 22.6 million and 52% growth in its portfolio outstanding which increased from $1.5 billion to $2.3 billion.8 this reflects a 14% increase in the absolute growth in portfolio outstanding and 33% increase in the absolute growth in the number of borrowers from 2008 to 2009. Table 1.1 Past trend of loan to SHG. Year Ending March 31st 2004 2005 2006 2007 2008 2009 Outstanding Portfolio($ million) $80 $252 $496 $824 $1,535 $2,346 Growth Rate 215.00% 96.80% 66.10% 86.30% 52.80% Borrowers (million) 1 2.3 4.9 7.9 14.2 22.6 Growth Rate 130.00% 113.00% 61.20% 79.80% 59.20% Source: Microfinance India State of the Sector Report 2009 National Bank for Agriculture and Rural Development (NABARD) NABARD is the apex financial institution for agriculture and rural development. We examine the role of NABARD in microfinance later. But the linkage between banks and NABARD is worth a discussion. NABARD is expected to re-finance the rural portfolio of the banks and cooperatives. With the falling interest rates, banks do not find it attractive to borrow from NABARD. The other role that NABARD performs is to manage the Rural Infrastructure Development Fund (RIDF). In case the banks are unable to achieve the priority sector lending targets for agriculture, the banks are expected to deposit the shortfall with NABARD under the RIDF. This fund is used by NABARD to fund rural infrastructure projects. While the banks falling short of there targets have been depositing the amounts with NABARD, NABARD has not deployed these funds effectively. NABARD has disbursed only around Rs.13,000 crores out of the total corpus Rs. 23,000 crores available under various phases of RIDF. Therefore the amou nt that should have rightfully reached the rural economy has not reached them, either directly or indirectly. Policy Support Given the governments pledge to economic reforms with a human face, it is not surprising that the current finance minister is generally considered to be supportive of microfinance. The states commitment to combating poverty is hardly a new phenomenon. Over the last forty years, the Reserve Bank of India (RBI) has encouraged a significant expansion of bank branches in rural areas in order to extend credit services to disadvantaged groups, including small and marginal farmers, rural artisans, and other small borrowers. RBI has also required commercial banks to direct 40 percent of there lending to poorer members of society and to priority sectors such as agriculture. The governments 1982 Integrated Rural Development Program (IRDP) was one of the largest poverty alleviation programs to include a microfinance component. Today, national development banks play a crucial role in the growth of microfinance. Despite general support for microfinance, there appears to be a tension between promotion of the sector and client protection. RBI has thus forbidden MFI from taking public savings that would reduce there cost of capital. A similar tension exists at the state level as well, though some states are more active in microfinance than others. Andhra Pradeshs (AP) Mutually Aided Cooperative Societies Act, which is being replicated in other parts of the country, greatly simplifies the formation and supervision of groups that can access microfinance services on behalf of there members. APs populist mandate, however, sometimes serves to undermine credit, as is exemplified by the decision that farmers need not repay the principle on a loan for the first six months, unless they are borrowing from a bank. MARKET TRENDS As the Indian microfinance sector matures, c expects the year-on-year growth rate to decline to still high, but more sustainable levels. Over the next four years, Lok Capital projects the number of borrowers to grow at 34%, which is 60% less than the historical 5-year CAGR of 86% and the portfolio outstanding to grow at 40%, which is 58% less than the historical 5-year CAGR of 96%. Even with these cautious assumptions, Lok Capital expects MFI borrowers to increase from 22.6 million to 64 million and portfolio outstanding to increase from $2 billion to $8 billion by 2012. With maturity, MFIs will have to begin reassessing and re-engineering their growth strategies in a couple of years. They will have to take into account market opportunities and risks and adjust their geographical exposure, client base and product offering to remain competitive. Hints of market conditions that MFIs will have to navigate in the coming years are present even today, and MFIs are beginning to recognize these factors as they continue to grow. Below we explore the changing market dynamics in terms geographical spread of microfinance, client profile and product offerings and evaluate how MFIs might respond. Despite the rapid expansion of microfinance, large areas of India continue to be underserved. Lok Capital estimates that the penetration potential of the existing microfinance model is between approximately 43 million and 52 million households, out of which 22.6 million are existing customers. This implies an unaddressed demand of 20million to 29 million customers. Currently, as many as 54% of all microfinance clients are concentrated in the Southern States: Andhra Pradesh, Karnataka, Kerala and Tamil Nadu.15 Alternatively, there is an extremely limited microfinance presence in the North and North-east. MFIs are beginning to realize, however, that the South is becoming overly saturated and there is a commercial need to expand to newer geographies to ensure continued growth and mai ntain the quality of their portfolio. It has become imperative that MFIs diversify their operational base and limit overexposure to heavily serviced areas and clients. The Karnataka episode (detailed below) has demonstrated the urgent need to re-engineer expansion strategies to avoid over-lending to a cluster of clients and hedge against regional disturbances, economic, political and social. 54% of all microfinance clients are concentrated in the Southern States: Andhra Pradesh, Karnataka, Kerala and Tamil Nadu.15 Alternatively, there is an extremely limited microfinance presence in the North and North-east. MFIs are beginning to realize, however, that the South is becoming overly saturated and there is a commercial need to expand to newer geographies to ensure continued growth an maintain the quality of their portfolio. It has become imperative that MFIs diversify their operational base and limit overexposure to heavily serviced areas and clients. The Karnataka episode (detailed be low) has demonstrated the urgent need to re-engineer expansion strategies to avoid over-lending to a cluster of clients and hedge against regional disturbances, economic, political and social. CLIENT PROFILE We have begun to see greater microfinance activity in states such as Maharashtra and Madhya Pradesh, but MFIs are approaching the North and North-east with more caution and hesitancy because these areas present a very different type of client base compared to South or Central India. Nonetheless, the trend toward expanding in uncharted territories will continue, albeit slowly. In addition, MFIs are trying to start tapping different portions of the low income segment. Thus far, a very narrow band of the low-income population segment has been served through microfinance. There is an ultra-poor segment as well as a wealthier one which have drastically different needs and capacities from the segment currently being served. Small efforts are underway to explore these segments needs and capacities and evaluate what kind of products and services would allow them to be brought under the financial inclusion umbrella. For example, with help from Lok Foundation, Ujjivan is currently participat ing in a pilot program for the urban ultra poor which seeks to equip them with knowledge and skills that will allow them to eventually avail microfinance services. Moreover, the government has also of late turned its focus toward financial inclusion. This means that policy and regulatory attention on microfinance has increased with the government constituting two high-level committees to provide suggestions on how to improve the financial inclusion scenario in India. This new trend will provide impetus to devise strategies for more inclusive growth that makes commercial as well as social sense. PRODUCT OFFERING Thus far, microfinance institutions have largely limited their product and service offering even within the confines of financial inclusion. In fact, their product innovation has been limited to credit which is intended to serve a variety of needs as shown by the box below. The limited product innovation is understandable given the sectors primary focus has been on refining its business model and gaining scale to become financially sustainable. Despite following a single-product model, the sector has experienced remarkable growth. This growth can only be expected to continue as product innovation and diversified service offerings attract and retain greater number of customers with a variety of needs. The very same clients that the sector currently serves have a plethora of alternate needs for basic products and services, financial and non-financial which can affect sustainable, long-term achievements in their quality of life. Fortunately, recognizing this pent-up demand, mature MFI s are beginning to take concrete steps toward expanding their product basket, at least within the context of financial services. Along with credit, MFIs are heavily exploring the possibility of providing savings/deposit services, micro-insurance and remittance services. SAVINGS Access to a savings mechanism, like that which is available through commercial banks, is usually held by the microfinance industry to be the most urgent need to enhance the economic security of the poor. Due to RBI regulations, Non Banking Microfinance Company (NBFC) MFIs cannot currently accept interest-bearing deposits, unless they provide the service through a Section 25 Business Correspondent conduit. This structure prohibits the conduit from charging any fees to execute this function and limits its reach within a limited radius of the bank branch. MFIs are lobbying the RBI to relax these regulations to allow NBFCs to operate as business correspondents, charge an extra fee for the deposit-taking service and delimit the geographical reach of their operations. These changes would not only make deposits a viable commercial product, but also allow MFIs to offer it to a broader set of clients. INSURANCE While credit can serve to enhance a households income, insurance can serve to cushion the negative economic impact in the event of an emergency. Without insurance, a single incident can often impoverish a household, even with access to micro-credit, especially if the emergency affects the main earning members. A number of MFIs already offer micro-insurance products to their clients. The most basic products insure against health and accidental death. Companies such as Satin and BASIX usually tie the insurance products to their credit products, which makes the availability of credit contingent on the client availing insurance. The rationale behind packaging the loan and insurance together is that often clients do not understand the importance or benefit of insurance until they face an emergency. From a commercial viewpoint, the MFI is in effect insuring its loan against a crisis in the clients household, since insurance hedges against total financial collapse and thus ensures repayme nt of the loan, albeit in a delayed fashion. Similar to customers, BASIX also links livestock loans to livestock insurance for a similar reason it cushions the financial blow and increases the likelihood of a successful loan recovery. We can expect the number of insurance products available to increase as MFIs expand beyond their core credit product and clients become more aware of the benefits of insurance. REMITTANCE Domestic labor migration has a long history in India and is on the rise given disparities in growth across states migrants need a fast, low-cost, convenient, safe and widely accessible money transfer service. In India, remittance services can be enabled by the provision of savings and thus need to be provided in tie ups with banks and post offices. In some cases, MFIs provide remittance services by establishing their presence in a migrant destination to channel remittances back to the community in the migrants area of origin or by establishing a tie-up with another MFI, bank or money transfer company in the area of origin. Going forward, the role of technology will become more important in facilitating the development of alternative channels and payment mechanisms. NON-FINANCIAL PRODUCTS Within product offerings, MFIs are considering expanding their activities beyond the realm of financial services since this can provide synergies linked to future expansion. Microfinance clients have myriads of unmet needs such as healthcare and education as well as livelihood requirements which can enhance their income, employment potential or quality of life. Given MFIs existing relationships with this population segment, they would be an ideal channel to provide these services. While MFIs may not want to delve into product lines that are fundamentally different from their core business, they could easily act as conduits to allow other agents to deliver these services to their customers. The microfinance industry as a whole is now experimenting with a wide variety of potential models that could be used to deliver non-financial services. For example, BASIX offers a host of alternative services to its clients. Beyond the basket of credit and other financial products and services, B ASIX also provides low income customers with livelihood services, including agricultural and business development consulting services, to help microfinance clients use their loans more effectively. BASIX offers these alternative services to its clients through different entities housed under one umbrella. These groups have tremendous synergy and contribute to each others growth and prosperity. The credit business enables customer acquisition, while the insurance business mitigates risk, and agricultural and business development service enables customer retention. The consulting and IT business enhances BASIXs revenues, while the social businesses enable research and development which contribute to BASIXs strategy development. In addition to livelihood services, several MFIs are examining the feasibility of providing critical basic services to deliver low cost healthcare, education and vocational training. For example, Spandana is currently developing a comprehensive low cost heal thcare delivery model focused on the healthcare needs of women and children. BASIX has launched a vocational training academy to impart education in rural development and management to potential job seekers from low income communities. These participants would be deployed in the rural/semi urban areas with BASIX or other organizations offering financial services to the poor. In addition to being important avenues for productive utilization of credit by MFI clients, these types of services have a strong potential.

Domestic Violence in Canada - 1662 Words

Violence has become prevalent within society; it is something the western world has learned to accept. With every minute that passes Canadians come face to face with certain acts of violence they may not have previously encountered (citation). Although, violence is not a subject that one can escape, women and children have unfortunately become the prime victims of violent acts. The media glorifies violence in other countries around the world it fails to address the presence of violence within Canada. Although violence is usually associated with gangs and guns, Canada experiences more violence related to bullying, sexual, verbal, cyber and domestic abuse (citation). Amidst the changing societal views towards treating women equally and†¦show more content†¦In some case, however, isolation is involuntary on the woman’s part as it is caused by the abuser himself. A number of abused women are told to stay at home or be subjected to harsher abuse; the obvious choice in this situation is to stay. While adhering to such demands and psychological strain, women are knowingly subjecting themselves to isolation that negatively affects their relationships with family and friends and ultimately causes irreparable damage to the victim. Although, domestic abuse mainly targets women, the negative affects of this epidemic also affects the lives of children who experience or witness it on a daily basis. Children are recognized as the future of modern society as the population continues to grow old. Therefore, each and every child has the right to be nurtured in a safe environment (Geffner, 2000). A home riddled with domestic violence is the complete opposite of what Geffner described in her book, Children exposed to domestic violence. According to the 2003 Canadian Incidence Study of Reported Child Abuse and Neglect (CIS), almost 250 000 homes across Canada failed to provide an ideal living environment for their children (citation). Most of the damage comes at the hands of a parent or other relative, and the damage can last a lifetime. An abused child is 35% more likely to end up in violent or abusive relationships as an adult (citation). As stated by the statistic above, the likelihoodShow MoreRelated Domestic Violence Against Women in Canada Essay2257 Words   |  10 PagesIntroduction Intimate partner violence has been a significant issue for centuries in all countries. Since 1974, nearly 2,600 spousal homicides have been recorded in Canada (Bunge, 2002). Of these homicides, more than three-quarters have been against women. 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It is defined by the University of Michigan as situation that occurs â€Å"when a person uses physical violence, coercion, threats, intimidation, isolation, stalking, emotional abuse, sexual abuse or economic abuse to control another partner in a relationship† (â€Å"Understanding Abuse†). This includes any kind of behaviour that might make the other person feel scared, threatened and fearful for their safety. AccordingRead MoreDomestic Violence Against Immigrant And Refugee Women1050 Words   |  5 Pages4. How can Canada protect and welcome refugees and newcomers? How can domestic violence against immigrant and refugee women be prevented? Some of the ways Canada can protect and welcome and protect refugees by; Making the status in Canada secure- This means that Canada should make permanent residency open to all including migrant workers. They should not restrict the Permanent Residency to only those coming for high wage jobs. There should be a legislation and enforcement to protect them effectivelyRead MoreNational Intelligence Analysis1531 Words   |  7 Pagesillicit drugs in Canada (NIA et al., 2010). Asian, Latin American, and West African organized crime groups, functioning in Canada as well as in foreign countries, remained to be participants in smuggling and transporting heroin in Canada (NIA et al., 2010). That is not to say that Canadian organized crime groups were not participants in the heroin market; Canadian organized crime groups took part in the heroin trade as well (NIA et al., 2010). Heroin importation, however, Canada through differentRead MoreDomestic Abuse1347 Words   |  6 PagesDomestic violence has been an ongoing issue among couples in society. This violence is n ot something that is new; it has been around for a long time. Domestic violence, can range from physical, mental, and emotional. When a couple is in an intimate relationship or married, one of the individuals in the relationship tries to dominate the other partner by trying to control them. This is commonly called domestic violence. A vast majority of domestic violence cases go unreported each year. This couldRead MoreThe Status Of Women Can Be Related When Observing The Economic, Social, And Political Aspects Of A961 Words   |  4 Pagesof a first or third world country. When a country has a good economic position in terms of infrastructure, labor and education, we can relate how much power or social equality will be distributed for each individual. In a first world country like Canada women earned in 2013 approximately a total income of $30, 100 whereas men earned $47,000 (Williams, 2010, p.7). Even though the economic gap proofs to have a wage disparities, this has helped wome n to gain power, voice, and rights for their fightRead MoreThe Relationship Between Gender and Domestic Violence1010 Words   |  5 PagesRelationship Between Gender and Domestic Violence Summary: This article discusses the relationship between gender and domestic violence. For many reasons, people commonly believe that domestic violence is more likely equal to wife abuse or woman abuse. But this prejudice is erroneous. On the one hand, because of the definition of domestic violence including dating or cohabitation and modern research finds that husbands as well as wives may be victims, domestic violence is not more likely equal to wifeRead MoreEssay on Violence733 Words   |  3 PagesViolence is one of the most problematic issues society faces today, and it has been increasing day after day, in the streets of our cities. The most common description of what violence really is can be given as negativity towards something or someone either through physical or verbal actions, which often causes the victim to suffer pain. The different types of violence that exist in our multi-cultural society are out-numbered, but the most evident ones are domestic, gang, sexual, and r acial violenceRead MoreIntimate Partner Violence And Sexual Relationships1379 Words   |  6 PagesIntimate Partner Violence One of the biggest problems that have been happening in some households over the last numbers of years is intimate partner violence (IPV). IPV has been identified as a world-wide public health concern (Kulwicki and Miller, 1999). The term intimate partner violence has been defined as the physical, emotional, verbal, or sexual abuse between a person and their spouse, this includes cohabitation and marriage. This type of violence will usually involve harm/control from one

The Dust Bowl The Most Extremely Horrible Man Made...

The Dust Bowl was the most exceedingly awful man made environmental disaster in American history. The term Dust Bowl was a term instituted by the general population who lived in the dry spell stricken southern Great Plains amid the Great Depression. The Great Plains were opened to cultivating by new gadgets, for example, the steel furrow. The appearance of tractors empowered much more serious cultivating. World War I in particular encouraged agriculturists to build creation. After the War there was dejection in rustic regions notwithstanding during the Roaring 20s. Agriculturists did not, however utilize required soil protection measures. Incomprehensible ranges of area had been changed over to homestead arrive on the Great Plains. This had evacuated the normal vegetation which held the top soil set up. A scope of cultivating practices in this way made ranches on the fields helpless. This and unfavourable climate conditions, amplified dry spell, brought about the catastrophe of the Dust Bowl. The as of now declining markets were exacerbated by the Dust Bowl. Agriculturists literally watched their ranches, the valuable top soil blow away. The Dust Bowl had both common and man-made reasons. The Plains were liable to wide intermittent movements in precipitation. This was not completely comprehended at the time as the time of concentrated development was moderately short. What s more, the reasons for regular precipitation cycles were not comprehended by any stretch of theShow MoreRelatedThe Effects Of Drought And Its Effects On The Environment1934 Words   |  8 Pagesmoved into the 21st century, the condition of global environment is one of the most popular topics, and it created many controversies. Those topics are wide ranged, from the natural disasters like earthquake, tornado or volcano eruption; to the man-made disasters like nuclear war or air / water / sound pollutions. As a student, I too am interested and have some concerns for the planet that we are l iving in. Among the disasters, drought is the one that I want to learn more about it. So what is droughtRead MoreEssay on Fall of Asclepius95354 Words   |  382 Pagesour understanding! Geez, there were many names given to these undead. Some called them demons, others called them lost souls. With all these names, I found only one that was truly worthy; Zombies. It was a simple word. At the same time it was the most complicated word to enter any human language. I mean just think about it... You say that word to anyone before the outbreak and what would they think of? They would, think of those horror movies or comic books where, for no reason what so ever, zombiesRead MoreStephen P. Robbins Timothy A. Judge (2011) Organizational Behaviour 15th Edition New Jersey: Prentice Hall393164 Words   |  1573 PagesComing Attractions: Developing an OB Model 23 An Overview 23 †¢ Inputs 24 †¢ Processes 25 †¢ Outcomes 25 Summary and Implications for Managers 30 S A L Self-Assessment Library How Much Do I Know About Organizational Behavior? 4 Myth or Science? â€Å"Most Acts of Workplace Bullying Are Men Attacking Women† 12 An Ethical Choice Can You Learn from Failure? 24 glOBalization! Does National Culture Affect Organizational Practices? 30 Point/Counterpoint Lost in Translation? 31 Questions for Review 32 Experiential

OJT Compilation free essay sample

Brief History/Background of the Company/Company Profile The Philippine American Life and General Company is the largest and the most diversified insurance company in the Philippines and the undisputed market leader for over fifty years. With more than a million individual and group policy holders, Philamlife maintains the most extensive network of more than 200 offices and sales agencies nationwide, over 8,000 sales adents and 1,000 employees. It offers the most comprehensive range of insurance products and services and diversified financial services philamlife is a member company of American International Group, Inc. (AIG), the world’s leading U. S-based international insurance and financial organization. Backed by the financial strength and guidance of AIG, Philamlife has earned a reputation for trustworthiness and reliability by helping thousands of families face tomorrow with hope and confidence. To continue gratified as was then to respond to the call for pudlic service Mr.Jose L. Cuisia, Jr. (Son of Mr. Another is when I was assigned to the releasing of passport our superior gave me a permission to explain to the applicants why there passport was delayed for almost 1 month. At first, I was really nervous and I don’t know how to explain them to make them understand the situation. But then I have to overcome it and gain more courage and strength to faced them without any hesitations while explaining everything if why their passport are still delayed. Problems met/encountered and the solutions offered A simple problem has a simple solution itself. The problem occurred when a bundle of passports had arrived and we let them handle it. The problem is we don’t know on how to manage well those passports and how to make our work done much easier. At first we do really think if what would be the best solutions that we are going to apply for that problem. So we came up for our better solutions and we worked as a team to make our product would accurate to the given instructions. After checking the received passport we are now going to encode passport information to the database system and after that we need to segregate first passports according to their bundle number so that it’s easy for us to put passport into the personal record’s bundle. With these steps we easily finished our work and put things at the right place. The Contributions of the program to the cooperating agency OJT or intern provides additional manpower for a lesser labor cost than a regular employee. Employers can use this internship strategy as a method in recruiting new employees. Since the trainer or the supervisor can follow the trainees’ progress, he can gauge based on performance, behavior and attitude if the trainee will make a good recruit after the completion of his internship. OJT’s can bring fresh ideas into the organization. Given the opportunity to speak their minds freely and without fear, they may be able to contribute significantly in brainstorming sessions or research and eventually help improve the organizations productivity. While training the interns, employers are in fact also teaching their employees to process of guiding the trainees stretches their patience, develops teaching skills and makes them more sensitive to the needs and mind set of the younger generation. Hence, the internship also becomes an avenue in training for future managers of the company. Accommodating on-the-job trainees can truly be beneficial not only to the trainees but also to the companies that provide opportunities for this type of learning. Such training can be an investment that will be valuable to the company later on. Competence Gained The training inside the company is learning experience each day. I have learned to appreciate the lessons studied in school. I was able to realized the importance of theories and formulas that was discussed inside the classroom. And also to understand that everything that was thought inside the school can be a tool that can be used in future career. I’ve learned to become a hard-working person. I also learned to follow the instructions as what the superiors said and to accept opinion that they suggested. Lastly, I have known that on-the-job training is not just only a subject to be passed or a requirement to be completed but on-the-job training is an opportunity to show what skills, talents and techniques that the student learned from the school and also an opportunity to experience the life outside the campus; serving companies like a professional on the field of the students’ specialization. Project output Supposedly, Mr. Elmor Maglunsod an IT Personnel will give us a project which is website making for DFA RCO XII but it didn’t happen. We are so excited about this project because we can help their office to be known and can serve more to their society in terms of online issues. The reason why he didn’t pursue this project it is because they need us to help their other employees in minimizing their work. We are always in the frontline and serve as a public servant to the people. But we’re still grateful to them because they gave us with this kind of opportunity. Impact to Field of Specialization The training served as the stepping stone of the trainees to the real world. It served as the beginning of the real life of being an employee. I have realized that learning is a lifetime commitment that is continues even you already have a job. The training gave me more initiative to my chosen career. It inspired me to enhance my skills and knowledge in the field of computer studies. It had given me some ideas what could be the feeling or situation of being an employee. It enriched my individuality as a beginner and created the foundation of being a good worker. The best thing that I have gained inside the company was the good orientation of the person having the higher positions. More importantly, the OJT made me realize the importance of the course that I am taking.

Children Are the Future free essay sample

Ones vital possession is their children because that Is what people leave behind In this world. This person has 2 children that he will be leaving behind and 1 child that he will be reuniting with, when he leaves. Our children are our future and we should cherish and love them as much as we can. Teaching them right from wrong and bestowing them with core values to keep them on the right track. The oldest of the three children Is a boy about 5 years In age. He looks Just Like his father and Just as ornery. The middle child Is a precious little girl who can light up a room but at the same time bring tears to the people that she Is around. The youngest is the most beautiful little girl that he ever laid eyes on. Unfortunately, he did not have a chance to get to know her. God had plans for her as an angel and one day he knows he will be with her again. We will write a custom essay sample on Children Are the Future or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page This father of three little children is teaching them the difference of right from wrong and core values that makes him who he is. So, his children will grow up and teach their children and in essence keeping the cycle, of who the children are, alive and growing. We as parents love our children unconditionally and know they are our future. The reason why they are crucial to this person is they are what he leaves behind and at the same time he will live on through them.

Why U-M - Book Review - The Essay Sample

Why U-M - Book Review - The Essay SampleAn essay sample is the most common material for a student to ask about in his or her admissions essay. An admissions essay is one of the most important parts of the college application. In order to make your essay appealing, you have to focus on the topic that will compel the reader to read more. The material that you use should reflect on your personality and your thinking.For this, you have to emphasize on what your personal background has been. You can write about your interests, hobbies, as well as educational achievements. Remember that the essays are meant to capture the attention of the readers.So, in order to start, you have to start writing about your personal background and how you learned about it. How did you come up with the question or the answer?In this essay, you can always start by giving an explanation for the question that you are asking. Write a personal explanation, which can serve as a test for the reader. Most of the time s, an admissions student asks the reason for their question.What better way to show your individuality and make it interesting than to show your personal introduction? The reason for asking this question must be something unique, which will draw the attention of the reader to it.What type of life do you lead? Where do you live? These are important questions for a college admissions essay.Keep the personal and the academic topics separate in a college essay. A student may already be enrolled in a specific program, which might make them reluctant to share their personal life.

Developing the Cultural Diversity at the Workplace

Human Growth Journal Entries

Human Growth Journal Entries Gender Role Socialization The construction of roles based on one’s sex through socialization in the family setting has shaped up the understanding of gender in the society (Else-Quest et al. 947). Gender socialization concerns the process through which children of varying sexes acquire the norms and customs that portray their gender roles (Berns 49).Advertising We will write a custom assessment sample on Human Growth Journal Entries specifically for you for only $16.05 $11/page Learn More In this case, interviewing a parent on the activities that demonstrate the socialization of gender roles in their children would provide valid insights into understanding human growth and development. Evidently, from the interview, parents play various roles that influence the child in a manner that inculcates the roles expected of their sex. Parents, in their caregiving roles, expose children to what it implies to be a boy or a girl early in their life. The differen t treatment experienced by boys and girls from their parents has a significant impact on gender socialization at a very young age. For instance, differentiated dressing according to gender particular colors introduces children to their gender roles. Further, parents influence children’s internalization of messages pertaining role differences early in their life thereby they generate stereotypes at a young age. In this case, for instance, children understand that men have an edge in negotiating compared to women and thus, start stereotyping the two sexes. Further, participating in sex-type games like housekeeping and doll playing fosters gender socialization. The aspects of femininity and masculinity instilled through gender socialization influence the educational outcomes of both boys and girls. Overall, boys achieve better results in the natural sciences as compared to girls while the latter excels in arts and social sciences. Therefore, the influence of the parent that inst ills a sense of stereotype in children affects their educational performance and career choices later in life as boys pursue the technical and natural sciences while girls prefer the humanities career path. Peer Influence The school setting provides a thriving environment for peer influence as children between the age of 6 and 11 years seek to establish a sense of identity (Stewart 182). Particularly, observing school-going boys in their peer groups demonstrate aspects of development in their cognitive, physical, social, emotional, and language use aspects of growth. In this concern, the behaviors depicted in their interactions uncover the level through which they influence each other’s undertakings thereby affecting their academic performance. Notably, the children relied on each other more as compared to their parents, thus demonstrating their confidence. Additionally, the boys know what tallies as â€Å"appropriate† for them as they mostly interacted with fellows of the same sex and played games considered boyish.Advertising Looking for assessment on psychology? Let's see if we can help you! Get your first paper with 15% OFF Learn More Further, the boys’ self-esteem is influenced by the perceptions of their peers about them thereby determines their behavior and attitude in the school setting. Additionally, peer influence determines the child’s perceptions regarding ethical behavior and moral understanding. As such, the rebellious and conforming behaviors portrayed by the boys reveals their approach to ethics and authority. Instructors should consider the impacts of peer influence among school-aged children to tailor the curricula in a way that facilitates their steady growth and development. In this case, the teacher could plan the lesson with the aim of inculcating the essence of upholding ethical behavior as children interact with their peers. Further, engaging the peers in group assignments would also e nhance their cognitive development collectively thereby boost their educational performance. Moreover, upholding the significance of inclusion in the learning activities of children would further foster their academic success. Challenges in Adolescence The adolescence phase of an individual’s process of growth and development presents various challenges that could affect them considerably. The onset of adolescence subjects teens to changes that pose adjustment difficulties, and thus they struggle with the unfamiliar issues occurring to them (Garcia 168). The interview with the adolescent revealed that they experience stress from family life, the school setting, to the global social issues. As such, the stressors required the consideration of various coping strategies that would facilitate the restoration of emotional equilibrium amid the inevitability of the changes. The adolescent interviewee identified the school, family members, and friends as the key stressors challenging them. Mainly, the increasing pressure pertaining academic excellence, conflict with siblings and parents, peer pressure, and problems associated with romantic relationships affected them significantly. In response to counter the stressors, adolescents embrace adaptive mechanisms of coping that include emotion- and problem-focused approaches. The emotion-centered coping strategies entailed relaxation, seeking distractions, helplessness, withdrawal, and escape. Moreover, the adolescent embraced the problem-centered aspects of coping including seeking support and solving problems.Advertising We will write a custom assessment sample on Human Growth Journal Entries specifically for you for only $16.05 $11/page Learn More Comparing the interviewee’s experiences to my own during adolescence, I could identify some similarities with respect to the stressors and coping mechanisms. Specifically, I experienced more stress from the school setting as pressure for academic success piled up and the issues associated with romantic relationships. The support offered by my older brother reduced the stress emanating from the family setting and thus, helped me to cope with the academic and romantic relationship stressors. In this regard, the environment plays a significant role in determining an adolescent’s stressors and coping mechanisms as seen in the comparison between the interviewee’s and my experiences during the transition. Employment Caregiving Balance Striking a balance between employment commitments and caregiving has been challenging thereby influencing the growth and development course of the child besides causing stress to the parent (Hilbrecht et al. 460). Since upholding quality parenting holds relevance, career demands could jeopardize the successful development of the child’s emotional, cognitive, physical, and social life aspects of growth. Creating adequate time for realizing equilibrium in handling the emp loyment and caregiving obligations posed a great challenge as per the interviewee’s situation. In this concern, the working caregiver needs to develop strategies that would create time for the fulfillment of their caregiving obligations (McPherson et al. 194). The interviewee said that she would talk to the Human Resources manager in a bid to make them understand her situation and options. Therefore, altering the working hours allowed her to attend to her parenting responsibilities in the mornings as she reported to work in the afternoon or evening schedules. Further, she could also take leave to achieve a balance between employment and caregiving duties. Full-time employment endeavors of the caregiver before the first birthday of the child could affect their development to a significant degree. As such, poor caregiving patterns subject children to weak cognitive development thereby undermine their intellectual capabilities, thus undesirable performance at school. Additionall y, poor parenting due to employment commitments could induce behavioral problems in the children resulting in unethical practices at school thereby affecting their academic achievement negatively.Advertising Looking for assessment on psychology? Let's see if we can help you! Get your first paper with 15% OFF Learn More Therefore, when the caregiver engages in full-time work commitments when the child is still an infant, a period considered crucial for emotional attachment and cognitive growth, the likelihood of the child performing poorly in academics heightens. Berns, Roberta. Child, Family, School, Community: Socialization and Support, Scarborough: Nelson Education, 2012. Print. Else-Quest, Nicole, Ashley Higgins, Carlie Allison, and Lindsay Morton. Gender Differences in Self-Conscious Emotional Experience: A Meta-Analysis. Psychological bulletin 138.5 (2012): 947-54. Print. Garcia, Carolyn. Conceptualization and Measurement of Coping during Adolescence: A Review of the Literature. Journal of Nursing Scholarship 42.2 (2010): 166-185. Print. Hilbrecht, Margo, Susan Shaw, Laura Johnson, and Jean Andrey. ‘Im Home for the Kids’: Contradictory Implications for Work–Life Balance of Teleworking Mothers. Gender, Work Organization 15.5 (2008): 454-476. Print. McPherson, Christine, K eith Wilson, Livia Chyurlia, and Charles Lecrerc. The Balance of Give And Take in Caregiver–Partner Relationships: An Examination of Self-Perceived Burden, Relationship Equity, and Quality Of Life from the Perspective of Care Recipients Following Stroke. Rehabilitation Psychology 55.2 (2010): 194-198. Print. Stewart, Endya. School Structural Characteristics, Student Effort, Peer Associations, and Parental Involvement the Influence of School-and Individual-Level Factors on Academic Achievement. Education and Urban Society 40.2 (2008): 179-204. Print.