Macroeconomic Objectives and their Importance to UK Economy Essay

Macroeconomic Objectives and their Importance to UK Economy - Essay Example Low Inflation The emerging objectives and macroeconomic framework has is expected to deal with challenges that come from inflation and economic uncertainty. The inflation is the United Kingdom stood at 2.4 percent at the beginning of 2013. This has been occasioned by a fall in price of diesel and petrol. The price seems to have temporarily stabilized. The energy costs have declined. This includes housing, recreation and culture goods. The macroeconomic framework is based on transparency, responsibility and accountability. The aim is to ensure that the government works through clear objectives for fiscal and monetary policy. The government of UK believes that constrained discretion can help in meeting long term macroeconomic grows. Under this framework, the government of United Kingdom is expected to meet the objectives simultaneously (Greener 2001). This approach is boosted by the fact that some of the objectives and complementary and interdependent with each other. Balance of Paymen t This occurs when an induced balance of payment transactions is zero. In this case, the government of the UK is responsible for influencing the exchange rates. The government is determined to ensure that the imports to not exceed the exports. This is done through avoiding fixed exchange rates and promoting a culture that is more productive that consumptive. The government hopes to control the exchange movement given the exchange rates is flexible. This might prevent the sterling from depreciating further. Balancing is payment equilibrium affects the holding of foreign exchange with affects the local economy. The government is developing a policy that ensures maintenance... This essay is one of the best examples of analysis of the main directions of the macroeconomic policy, carried out by UK government. Macroeconomics refers to aggregate activities carried out by government, individuals or the government. Objectives are the aims of the policy being used by the government. The government of the United Kingdom targets a consumer index of over 2 percent. The government also intends to ensure sustainable growth through maintaining low inflation and ensuring proper control on the environmental growth. The UK government has an objective of ensuring high levels of employment through increasing opportunities for full employment. The government is developing a grand macroeconomic policy framework that defines the roles of the major economy sector and how they can strengthen the competitiveness of the UK economy. The sectors include financial and housing. The policy intends to manage consumption. After the consumption boom, the domestic market created a strong demand that caused the UK exports not to grow as fast as expected. The State is acknowledging its failure in having a reformed policy. The plan by the government to develop a comprehensive macroeconomic framework states when and how the objectives are going to be achieved. It is possible to achieve the objectives if the steering committee remains flexible and responsive to economic dynamics. The macroeconomic policy framework intends to use better metrics and real median incomes in assessing the economic policies and objectives.

Negative effect of video games on children Essay Example for Free

Negative effect of video games on children Essay The Negtive Effects of Video Gaming on Children Children don’t have to buy an expensive gaming system to play video games anymore, than can simply log onto the internet through their home computer or their handheld devices and they have an array of videogames to choose from. Every time a child pops a role playing videogame into their gaming console or logs onto the internet to play so called interactive video games, they enter a virtual world where there are no real consequences for their actions. While playing violent video games children can choose to play the violent roles of either car thieves or killers. The more time a child spends playing video games the less time they spend engaged in normal social activities with their friends. When a child is allowed to spend hours a day playing video games, especially violent role playing games, they can cause them to become violent, socially isolated, and depressed. First person role playing games allow children to identify with their character (Harding). The more time children spend as killing machines in the false reality of the video gaming world, the more desensitized they become to death and killing in the real world. Studies have shown the more time children spend playing violent video games, the more likely they are to respond to real world situations with aggression and violence (Gordon). A 2004 study published in the Journal of Adolescence found children, particularly teens, who played violent video games are more likely to become aggressive, confrontational, and see a decline in their academic performance (Harding). Allowing children to play violent video games is not worth the risk they pose! Children are exposed to enough violence through television without the help of violent games offered to them over the internet and through popular video gaming systems. Video games do not only expose children to violence they allow them to engage in it through the violent roles they allow them to play. Many of the roles children play over the internet or through their game consoles simulate real world situations where they can steal and murder with no consequences. Parents should not need to read the results of a study for them to realize that allowing their child to play violent roles in video games, where they kill and steal, will encourage violent behavior from them in the real world. During September 2009 in Ohio a sixteen year old boy named Daniel Petric was forbidden by his father from buying the new version of the violent video game Halo that he was obsessed with. After being forbidden from buying the new version of the violent game Daniel snuck out of his house and bought it anyway. When Daniel’s father discovered he had disobeyed him, and bought the game, he took it away from him and locked it in his lockbox where he kept his gun. Later that same night, sixteen year old Daniel unlocked his father’s lockbox to retrieve his game and found his father’s gun. After finding the gun Daniel went into his parent’s bedroom and shot both his father and mother in the killing them (Gordon). No one can say with absolute certainty that the video game Halo caused the boy to shoot his parents. One thing is obvious, if the boy’s account of events are to be believed, the game played a huge factor in his descion to murder his parents that evening. Violent behavior unfortunately is not the only negative effect from children playing video games to often. A recent study by Douglas A Gentile, an associate professor of psychology at Iowa State University found that children who spend several hours a day playing video games are at risk to become addicted to them. Once a child becomes addicted to their video game, their addiction can cause them to become depressed, anxious, and have social problems including social isolation (Gilmore). If a child is spending several hours a day gaming they can very easily become depressed. When a child spends most of their day playing video games they do not engage in normal healthy physical activity with their friends. It makes sense that the more time a child spends isolated playing video games the more likely they are to become depressed. Children need to spend time interacting with their friends in order to develop normal social skills. When children isolate themselves playing videogames alone all day, they begin to lose their friends and social skills. Studies show that the depression caused from children pathologically playing video games can be easily lifted when they simply stop playing them (Frontelera). Douglas Gentile said, â€Å"We found in children who started playing pathologically anxiety and depression got worse. And, when they stopped gaming the depression lifted† (qtd. in Gilmore). The idea that allowing a child to play his or her favorite video game for a couple hours a day can lead them to social isolation may sound farfetched, unfortunately it is not. The more time a child spends playing video games the less desire they have for one on one human contact. Although, children have the ability to interact with other players including their friends through the internet, their friends become part of the game itself and there is no real contact. Children need to spend time in social environments with their peers in order to learn and maintain the social skills they need to navigate through life. When a child loses his or her social skills they quickly become isolated and depressed. Their isolation and depression can lead them to identify themselves more with the character they are playing in their videogame than their own real life. First person role playing games allow children to identify with their character. Studies have shown the more time teenagers spend playing violent videogames at home the more likely they are to respond to real world situations with aggression and violence. A child’s imagination is amazing and sometimes limitless, unfortunately it can become dangerous when they begin to imagine themselves stealing cars and murdering people while playing first person role playing Videogames allow children to become kings and queens, or car thieves and murderers. Children can become so entranced by the different roles they play in the virtual worlds created for them through videogames that the line between the real world and the virtual one depicted in the video games they are playing becomes blurred. . Violent video games rewarded children for things like stealing cars and killing people.

Can War Ever Be Eradicated?

Can War Ever Be Eradicated? Our world is inherently inconsistent; it is constructed on the eternal conflict, on constant contradictions. Knowingly there black and white, the north and the south, right and left exist. Each conflict eventually expands until the time when the person cannot supervise it any more. Frequently it also leads to revolutions, wars, intestine conflicts. Throughout all world history, the person has lived for only a few years without war, he has constantly fought for the right to exist, for the freedom, land, power etc. Together with the development of the humankind, this fight became more and more rigid. At the same time, the weapon, which gradually bore more and more destructions, also developed, which made the fight crueler. War inherently does not know any winners. To some extent, everyone in it is a looser, because each side bears an enormous amount of losses: human lives, money, and territory. The conflict of individuals is an everyday occurrence in a modern life; war covers bigger am ount of people. More often it arises because of the requirement of the person to operate, and brings much more global destructions and does not influence separate people any more, but the whole society. War, as a phenomenon, cannot be eradicated, because modern processes of globalization, development of terrorism and desire of the power promote the development of war. Modern process of globalization as process of increasing influence of various factors of the international value on the social validity in the separate countries is one of the reasons why war cannot be eradicated. (Reference) Globalization became real aspect of the modern world system, one of the most influential forces defining the further process of our civilization. Globalization process opens new possibilities, but it is also fraught with negative consequences. Globalization influences formation of potential conflicts in the conditions of a competition. Unfair distribution of the blessings creates threat of conflicts at regional, national and international levels. Globalization causes defined amount of problems. One of them is connected with a question who appears in a prize from this globalization. Most often basic part of advantages is received by the rich countries. The second problem is connected with potential regional or global instability because of interdependence of nati onal economies at world level. Local economic fluctuations or crises in one country can have regional or even global consequences. Such possibility carries not only theoretical character, and is quite real. That can be confirmed with a financial crisis in Asia, which have begun in the summer of 1997 in Thailand, and then threw on other countries of South East Asia, having reached South Korea, too. The similar phenomenon testifies the big vulnerability of the interconnected economy. World recession or depression is capable to cause appeals to break off an interconnection and the dependences created during globalization, just as it and has occurred at the time of Great depression of 1930ies in the USA. The economic conflict with a threat of transformation into economic war or even military collision can become the result. So, globalization, which is very actual nowadays, provokes conflicts between the countries, frequently even military ones. Development of the international terrorism as the certificate of violence against citizens or objects for the purpose of destabilization of a public order in the country or complication of the international relations, also does not allow eradicating war. (Reference) If in the middle of XX century the terrorism was considered as the local phenomenon, but already to the beginning of the third millennium, it has captured the most part of the world. Now there does not remain a place on the earth, where the terrorism has not got in. Terrorism acts have already taken place practically on each continent, but struggle against this terrorism cannot be won in a way of only defeating separate terrorist organizations, because everywhere in the Islamic world there are people supporting Sacred war, especially against the USA. The vivid example of it is an act of terrorism on September 11, 2001 in New York, which caused retaliatory measures of protection from the USA side. The First World War has b egun with murder of the successor of an Austro-Hungarian throne, which also can be considered as an act of terrorism. In addition, for today fears that acts of international terrorism and retaliatory measures of the states can end with one more world war are expressed more and more often. Events of the year 2006 in the Near East have shown how real the threat of the world war world war is. Though acts of terrorism have caused only the war on the local level, only between two countries, it is impossible to forget that the world community was on a hair from other counties retraction in war, Syria, Iran and the USA in the first place. In addition, proceeding from the statistical data, the quantity of acts of terrorism in 2005 exceeded the amount of 13.000. Such considerable quantity of acts of terrorism puts the world on the side of a war. That means that the international terrorism is a cause of war, but also that presence of the international terrorism means presence of constant wars . One of the main reasons for almost every war in the history of mankind were and still are a capture of territories, desire of a profit, but only this purpose has been disguised à ¢Ãƒ ¢Ã¢â‚¬Å¡Ã‚ ¬ under the pretext of belief, democracy etc. Each country separately thirsts for the new markets, resources, money, i.e. everyone wants to predominate over the others. Moreover, there will always be the state, which will be dissatisfied with its present position, which finally will start the conflict. Zones of economic influence of Great Britain, Japan and Russia have narrowed for last 15 years. Thus, those zones have essentially extended at the republic of South Africa and Germany. Influence of China on a state of economic affairs promptly amplifies. Zones of economic influence of the USA, Italy and France have undergone less considerable changes. Struggle for spheres of economic influence has led to the situation that on a part of territories there was a collision of economic interests at the several states at once, rivalry between which has in certain cases taken the form of a confrontation. Unfortunately, the human is greedy à ¢Ãƒ ¢Ã¢â‚¬Å¡Ã‚ ¬ the higher is his post, the stronger is a desire of the power. There are antidemocratic countries, such as Iran, Iraq, the North Korea in the modern world, for which the main aim is capture of territories and imposing of their opinion. Absence of democracy in the separate countries is a war cloud, one of its possible preconditions. The history knows several ethnic, international conflicts, which, in fact, were caused by motives that are more religious. In 20 century, ethnic wars started to carry more global character. Having begun with the fascism, which has proclaimed destruction of Jews and Slavs, their number increases in a geometrical progression, messages on them fill screens of TVs and the press. International divisions have also concerned outwardly safe Europe: Czechs and Slovaks, Scots and English; the Canadian Frenc h and English, Arabs and Jews. The government always had a choice. World problems could be solved peacefully, without applying physical strength, but it would mean loss of the power over the others that is unacceptable for the psychology of the person. Each competitive country wishes to own the greatest influence and the most productive way à ¢Ãƒ ¢Ã¢â‚¬Å¡Ã‚ ¬ war (i.e. while globalization develops, the states will choose war for achievement political, economic, etc. the purposes). Moreover, force has always been called upon because it is an ultimate method by which peoples, whether individually or in national groups, have been able to achieve their desires. Based on the set forth above it can be said that war cannot be eradicated as the processes of globalization, terrorism and humanà ¢Ãƒ ¢Ã¢â‚¬Å¡Ã‚ ¬Ãƒ ¢Ã¢â‚¬Å¾Ã‚ ¢s desire of power promote the occurrence of military conflicts, and as these processes are deep-rooted, war will never be eradicated.

Shuffling in the Age of Computers :: Technology Electronics Essays

Shuffling in the Age of Computers Whether learnt from a Hollywood movie or some crude rendition of â€Å"Dogs Playing Poker" everyone has some mental picture of the American card-playing experience: the hazy cloud of cigar smoke hovering just above the table; the half-empty bottle of whiskey lying conspicuously closest to the smallest stack of money; the grizzled middle-aged man struggling to intermix a deck of cards. And yet despite this universal imagery, nothing could be further from the truth. I recently spent a weekend at Canterbury Park in Minnesota, a card-club just south of the Twin Cities. Having arrived there at around three in the morning, I became aware that smoking was not allowed at the tables, that drinks were no longer being served, and that even the once immutable middle-aged man had been replaced by an electronic shuffling machine. Of course I realize the hazards of second-hand smoke; I can even find compromise with temperance; however, to replace the shuffle, the game's manifestation of trust and mistrust, was to me unacceptable. Realizing immediately that poker was forever ruined, I returned to Iowa distraught and inconsolable. Why would a card-room want to use a machine to sort cards in a deck? Could the benefits of such a machine really be worth the costs? Is it possible to find happiness in the sullen world of mechanized random? Presently there are three prevailing technologies for card-shuffling: the cutting-edge computerized shufflers used in casinos, the battery-operated home game models, and the archaic, yet ever popular, human hand. Shuffling, of course, is the process of randomizing a deck of cards so that order is unknown. This sounds pretty straight-forward, but considering there are over 8.06x10^67 permutations of a 52-card deck the task of finding a good method becomes slightly more daunting. For example, in hand shuffling, mathematicians question the reliability of common methods to produce all of these known combinations. Two of the most common hand shuffling techniques are the riffle shuffle (mixing two halves of a deck; the standard bridge shuffle) and Monge’s shuffle (moving cards from one half alternatively to the top and bottom of the other half; see picture above). Although superficially a deck may appear to be rearranged using these shuffles, close examination of the deck tends to show high serial correlation—simply a large probability that patterns exist and can be detected.

Anthropology-The Tuareg Group

The Tuareg are nomadic pastoralist people who initially inhabited the Saharan dessert in north of Africa. Presently they are mostly found in West and Northern African countries.Their settlement spreads in the countries; Mali, Niger, Algeria, Libya and Burkina Faso. They no longer practice long distance nomadisim as they did before mainly because of the independence of the country. The Toureg group currently faces many problems due to different changes in environment, political and cultural issues that have forced them to change their way of living (Rodd, 1966).Problems and Threats facing the TuaregsThe Tuareg face threat of their culture being completely extinct. Tuareg are losing their culture as they interact and get assimilated into other cultures. The Tuareg way of life has been disrupted by political changes where their territories have been split and brought under different governance by different independent countries in North Africa. The Tuareg for example can no longer freel y practice nomadism or the long Trans – Saharan trade they used to practice before.They have to adhere to the rules and regulations set up by the different countries that occupy the territories that were once theirs (Ghoubeid, Prasse & Mohamed, 2003).Tuaregs can no longer use their way of governance that was characterised by an assembly of chiefs who made rules, solved problems and generally governed the community. They have to adhere to the modern forms of governance used by the country in which they live. The fact that they can no longer do things the way they used to threatens the survival of their culture.Competition for resources with other West and North African groups resulting into conflicts is a major problem facing the Tuareg. These conflicts are intense in the Sahel region which is a less arid savannah belt that has greener pastures and more water as compared to the other parts of the Sahara Dessert.The fact that they can no longer practice pastoralism and nomadism as it has been restricted by the independent countries has made their life so difficult that they have to look for alternative sources of income (Mortimore,  Ã‚   1972).Desertification is a threat to the Tuaregs. This activity which is enhanced by human activities such as logging of trees to meet the firewood and charcoal needs of individuals in the society has greatly affected the Tuaregs (Keenan, 1973).It has made pastures and water more scarce making the lives of these individuals hard. Constant occurrence of draughts and famines which usually leave the livestock of the Tuaregs dead is a threat as they depend most on livestock for their living (Ghoubeid, Prasse & Mohamed, 2003).The Tuaregs have had to take farming or try look for jobs in cities so as to earn some income that will enhance their survival.The independence of Mali and Niger has led to several uprisings that put the Touregs against the governmental officials in these countries. The Tuaregs have been fighting for th eir independence as the Mali and Niger regimes have been very repressive to them.This resulted to the Touregs moving towards urban centres and to other neighbouring countries where they became refugees. Return to their countries has always been met with hostility and violence which pushed the Turaegs into arming themselves against these oppressive regimes.The war between this group and the government military has resulted to loss of lives, destruction of property (in this case livestock for the Tuaregs) and left many wounded (Geels, 2006). The Turaegs who went back to their countries have been severally arrested by the police and put under constant surveillance. The two governments basically treat these individuals with a lot of discrimination.The Tuaregs also face the problem of being ignored by the international community. They never receive international aid and no one seems to be addressing their needs and plight. In 1992, the Tuaregs were declared the most threatened group in t he world as thousands had died as a result of desertification and repression yet no international aid had been availed to them. This was reported by the Humanitarian Organization Mà ©decins Sans Frontià ¨res.

Fast Food Essay Essay

Life is developing more and more, people are getting busier and busier. The modern people do not have enough time to cook meal themselves so the advent of fast food helps them so much. Most of people people – especially students – prefer to eat fast food, such as hamburgers, pizza, fried food†¦ Fast food is becoming popular recently all over the world because of its benefits. It is quite cheap, quick and convenience to those who have a busy life. The busy life is one of the top reasons of eating fast food the modern. Students who have a busy schedule usually do not have time to cook at home, as a result, they prefer to eat at restaurants or cafes, because it is a simple option. Nowadays time is one of the most important things in a person’s life, and fast food is served very quickly. For example, McDonalds, Burger King, KFC and others fast food restaurants, have drive through windows, so people do not even have to get out of their bikes to get food. Beside that efforts of fast food restaurant companies to improve their delivery service also make more convenience for students who live away from their family and very lazy to make a traditional home-cook meal. Equally important is the economy. One of the primary reasons students frequent fast food restaurants is the price. Finding inexpensive places to eat is important to many students, which make up a large percentage of fast food customers. Many chains offer value meals or items for less than a home-cook meal, counting on customers with budget sensitivity to be attracted to these options. And with the students, who still not have a job to earn money and depend on their family, the cheaper choice when eating fast food is one of best way for they can save money. In conclusion, fast food attracts students more than home-made food does. It is known as the food that they do not have to prepare. Fast food is more common because students are always busy, and in a hurry, so they head towards fast food restaurants to save their time and also because of cheaper than home-made food is making fast food more popular with students.

Pygmalion essays

Pygmalion essays I chose the archetype The prostitute with a heart of gold. An archetype is defined as a universal idea that can take many forms, appearing spontaneously, at any time, at any place, and without any outside influence (Pygmalions Word Play, Carl Jung, p. 82). When present in the unconscious, an archetype shapes thoughts, feelings, moods, speech, and actions. The prostitute with a heart of gold originated in early Greek mythology as the story of Pygmalion. Next, a more modern version called My Fair Lady was written and performed in the 1950s. Then in the 1980s the movie Pretty Woman came out, which has the same story line as the other two, although it is a lot more modernized and the theme of a prostitute with a heart of gold is much more evident than in of its predecessors. Although the oldest profession was just as large a factor in society in 1912 when George Bernard Shaws Pygmalion play was released as it is today, it was talked about much less freely and the idea of reforming street girl was not as feasible as it is today. My Fair Lady was one of the first versions of a poor street girl metamorphasizing into an elegant, proper lady. Pretty Woman can closely trace its roots back to My Fair Lady, because both women reform to a better life that they never dreamed was possible, the most striking difference being that Pretty Woman is a more modernized version and the evidence of prostitution is much more evident. In the story of Pygmalion, he wanted a wife, yet he saw too much corruption in women and always doubted their true motives. He was a very talented sculptor, and one day he began sculpting an ivory maiden statue. No woman was physically comparable to this statue, not the most perfect naturally created woman. His art was so good that it caught him in his own w...

The Connotations of 30 Synonyms for Cheat and Fool

The Connotations of 30 Synonyms for Cheat and Fool The Connotations of 30 Synonyms for Cheat and Fool The Connotations of 30 Synonyms for Cheat and Fool By Mark Nichol Numerous terms, many of them derived from colorful underworld slang, exist to refer to the action of cheating or fooling someone. This post describes the connotation inherent in some of these words and phrases. 1–2. The implication of the nonsense words bamboozle and hornswoggle is that the perpetrator sets out to confuse the mark, or victim. 3. Beguile suggests that the mark is lulled into a false sense of security. 4. Bluff implies that the perpetrator is boasting or making false claims, as someone would to gain an advantage in a card game. 5. Buffalo alludes to the stolid strength of an animal, appropriate to refer to the perpetrator’s efforts to overcome the mark’s caution or reluctance by sheer determination. 6–7. Bleed suggests slowly draining the mark of his or her wealth; squeeze has the same implication. 8. Burn implies that the mark has been damaged by the perpetrator, as if exposed to flame. 9. Chisel suggests that the perpetrator is whittling away at the mark’s defenses to achieve the desired outcome. 10. Con, a truncation of confidence, alludes to the perpetrator’s efforts to gain the mark’s trust so that the person is vulnerable to the persuasion necessary to cheat him or her. 11. Cozen suggests coaxing or trickery. 12. Euchre refers to the act of preventing someone from winning in the game of that name and, by extension, means â€Å"cheat† or, because the game rounds are called tricks, â€Å"trick.† 13–14. Fleece and skin allude to the idea of being deprived of one’s protection. 15. The origins of gaff are obscure, but the word was once slang for a music hall or theater, so the implication may allude to the deceitful promise of an entertainment that was falsely advertised as being worth the admission price. 16–17. Game- and gammon, perhaps derived in Middle English from game- connote both the playful and strategic aspects of cheating, as if the perpetrator is not only toying with the mark but has also carefully planned the ruse. 18. Gyp derives from the widespread association of the nomadic Romani people, long called gypsies (from the mistaken belief that they originated in Egypt, though the ethnic origins of the Romani are in India), with deceitfulness and thievery. (The terms are now widely considered offensive.) 19. Hoodwink originally meant â€Å"blindfold,† so the connotation is of the perpetrator blinding the mark about the truth. 20. Hoax implies an elaborate scheme to persuade the mark that something false is true. 21. Hustle conjures an image of someone being pushed and prodded along toward an outcome advantageous to the perpetrator and detrimental to the mark. 22. Juggle suggests manipulating the mark by constantly keeping him or her off balance as if the mark were being thrown about without a chance to ground himself or herself. 23. Mulct originally meant â€Å"fine,† but its meaning was extended to â€Å"defraud.† 24. Shortchange refers to the literal act of giving someone less money than he or she is owed. 25. Snooker may come from the name of the variation of the game of pool, perhaps from the notion that the mark is tricked into betting that he or she can defeat the perpetrator. 26. Snow compares the perpetrator’s effort to the blinding quality of a snowstorm, preventing the mark from seeing the trick. 27–28. Stick and sting, like burn, allude to the pain that the deception causes the mark. 29. â€Å"String along† implies that the mark is being led to perform an action that will be to his or her detriment. The perpetrator figurative pulls the mark along, but not so heavy-handedly that the mark is dragged; the suggestion is that the leading occurs subtly, little by little, encouraging the mark to do what the perpetrator wants of his or her own volition, with a minimum of provocation. 30. Swindle, which comes from a German word meaning â€Å"dizzy,† connotes disorientation of the mark. Want to improve your English in five minutes a day? Get a subscription and start receiving our writing tips and exercises daily! Keep learning! Browse the Vocabulary category, check our popular posts, or choose a related post below:50 Redundant Phrases to Avoid50 Diminutive Suffixes (and a Cute Little Prefix)Bail Out vs. Bale Out

Module 5 Case Assignment Example | Topics and Well Written Essays - 750 words

Module 5 Case - Assignment Example (Drury, 2004) These divisions are obligated to transact amongst themselves, the costs are decided by using a transfer. Even though the transfer prices may not differ much from the market prices, one of the divisions or the company as a whole in such a transaction go at a loss The buying divisions may buy for more than the principal market price or the selling division can sell below the market price, hence affecting their performance. This can either result into a loss or gain in any or all of the divisions. The company can also make a profit or a loss (Tully, 2012) Table1 of Supply Division C Quantity Manufactured Quantity supplied Current supply Price per unit Total Cost Proposed supply Price per unit Total Cost Supplier C part 101 2,000 3,000 $900 $2,700,000 2,000 $900 $1,800,000 Supplier C part 201 500 1,000 $900 $900,000 500 $1,900 $950,000 From the table 1: Division C will experience a loss, since it, supply of Part 101 reduces from a volume of $2,700,000 to $1,800,000. The tra nsfer price is $2,000 while the market price for this part 101 is $900. Even though the total volume of supply of part 201 to Division B indicates a slight drop from the transfer price. The overall transaction for this division is a loss. Table2 for Buying Division A Quantity Bought Current purchase Price per unit Total Cost Proposed Purchases Price per unit Total Cost Supplier C part 101 3,000 $900 $2,700,000 2,000 $900 $1,800,000 External Supplier part 101 1,000 $900 $900,000 2,000 $900 $1,800,000 The buying division A will be in profit, because the price for the part A is $900. This price is less than the transfer price of $1,000. Even though the quantity supplied by Division C has reduced, they have increased their purchase volume from the external supply from 1,000 units to 2,000 units Table three for buying division B Quantity Bought Current Purchases Price per unit Total Cost Proposed Purchase Price per unit Total Cost Supplier C part 201 1,000 $900 $900,000 2,000 $900 $1,800 ,000 External Supplier part 201 1,000 $900 $900,000 1,500 $1,900 $2,850,000 Division B is a buying division will be in profit if the proposal is implemented. This is driven by two factors: they will have to buy more units both from division C and Externally at a price less than the transfer price. The transfer price is put at $2,000 while the market price for part 201 is $1,900. Profit will be $4,650,000-$1,800,000 =$3,250,000 Table 4 External Supplier Current supply Price per unit Total Cost Proposed supply Price per unit Total Cost Supplier part 101 to A 3,000 $900 $2,700,000 2,000 $900 $1,800,000 Supplier part 201 to B 1,000 $900 $900,000 1,500 $1,900 $2,850,000 From the above data, the company will make a loss since the overall increase in the external supply of both parts. The internal supplier namely the division C is disadvantaged in the new proposal. The total supply by this division will be a total 2,500 units, while external supplier will bring in 3,500 units. Division A: Buying division or downstream Part 101 Transfer cost = $1,000 Current Operation Units bought currently = (3,000 units from supplier C + 1,000 units from External supplier) = 4,000 units Unit cost = $ 900 Total cost = $ 900 X 4,000 = $36,000

T cellB cell collaboration in the immune response to infection Essay

T cellB cell collaboration in the immune response to infection - Essay Example It is referred to as "non-specific" because it generally attempts to stop the spread of all types of invaders. (Kuby, 1996) The latter type consists of two categories: cell-mediated immunity and antibody-mediated (humoral) immunity. It is the stronger one of the two types but takes several hours or even days to become fully activated. It is referred to as "specific" because it responds differently to every other foreign pathogen. (Hariharan, 2006) Lymphocytes, a class of White Blood Cells, are a vital part of the acquired immune system, being responsible for the whole reaction. They are produced in the primary lymphoid organs and then migrate to the secondary lymphoid organs where they recognize antigens of foreign bodies by the help of membrane receptors specific to the antigens. Two major classes of lymphocytes take part in the acquired immunity: B-Cells (B lymphocytes) and T-Cells (T lymphocytes). (Alberts, Bray, Lewis, Raff, Roberts, Watson, 1994), (Linnemeyer, 1993) Precursors of T-cells originate in the foetal liver and yolk sac during the embryonic life, and migrate to the bone marrow after birth. The stem cells then enter the thymus by chemo taxis and develop into T-cells which are later specialized into CD4+ (helper) cells or CD8+ (cytotoxic) cells. (UNC-SOM, 2004) Maturation On entering the thymus, T-cell precursors (prothymocytes) develop into T-cells that indicate both CD4 and CD8 molecules on their membranes and then later continue to indicate either CD4 or CD8 molecules. The cells having antigen receptors for self proteins are destroyed by aptosis (programmed cell death). This prevents autoimmunity. On the other hand, the cells having antigen receptors that do not react with self MHC proteins are also killed as this causes the definite selection of T-cells that do react with MHC proteins. (Stadnyk, 2007) Functions of the MHC proteins include positive selection of T-cells as well as presentation of foreign body antigens to them. (NIAID, 2003) General Function The Helper T-cells activate lymphocytes called macrophages and other T-cells involved in the immune response, and aid B-cells in producing antibodies by alerting them and determining the type of antibody to be produced. (NIAID, 2003) 2) B-Cells: Origin Precursors of B-cells migrate from the foetal liver to the bone marrow where they remain and undergo maturation throughout the adult life. They do not require thymus for their development. (Levinson, 2004) Maturation Development of B-cells takes place in two phases: antigen-independent phase & antigen-dependent phase. In the 1st phase, stem cells of the marrow differentiate into B-lineage and progenitor B-cells. The progenitor B-cells proliferate into precursor B-cells which requires the microenvironment supplied by the surrounding stroma. Cells of the stroma release numerous cytokines, most importantly IL-7, which help in the maturation process. Further

A raisin in the sun Essay Example | Topics and Well Written Essays - 1250 words

A raisin in the sun - Essay Example African-Americans suffered racial discrimination, which was present, since the times of slavery where they were subjected to inhumane acts by White people. The play, by Lorraine Hansberry, depicts the battles that African-Americans had to go through in the early 1900s in the fight for equality in society. Discrimination was promoted by White American supremacists who advocated for segregation of minority races in society. The black African-American population bore the greatest blunt of racial discrimination in the American society. Segregation was effected in all sectors of life in schools, public transport, jobs and housing. The play highlights the Young family’s struggle with racial discrimination, and the hardship they went through for buying a house from a white man in a white neighbourhood. The play has a cast that is composed of Walter Lee who is unhappy with his current job and dreams of becoming an entrepreneur. He is a dreamer who believes that money can solve all of the family’s problems and buy them happiness. Ruth is a character who is depicted battling poverty and domestic troubles frequently. She is also depicted as a peacemaker who is willing to do anything to protect her family. Beneatha is a character who displays feminist perspectives in the play. ... She thinks that money is not something that makes a family happy. She is depicted as a nurturing mother and stands firm in her beliefs. As the head of the family, she demands that members of her family respect one another as well as take pride in their dreams. Linder is the only white character in the play who acts as the representative for the white community. He goes to great lengths to keep black African-Americans out of the white neighbourhood. His actions are best depicted when he offers the Young family a deal to reconsider moving into his all-white neighbourhood. This shows his determination in ensuring that his neighbourhood is free from ‘blacks’ who are perceived as pariahs in society (Loos 213). The play addresses themes of the essence of dreams as a supposition that was famously proposed in a poem wrote by Langston Hughes. He wrote about dreams that were neglected or postponed and ponders if those aspirations wither like raisins in the sun. This is illustrated by Walter’s desire to have money so that he can afford to cater for his family. The display of dreams and aspirations for a better life is not confined to one race, but it can be recognised in people of all backgrounds. The underlying motivation to yearn for a better life is universal irrespective of race, and it varies in different people. Walter’s notion of the American dream is the ideology of materialism which places much emphasis on the importance of money and the things it can acquire. In play, Hansberry shows how Walter envies Charlie Atkin’s dry cleaning business because it makes an annual income of $100, 000. Walter is blinded by his desire to acquire riches and partners with people of questionable characters who end escaping with all of

Starbucks has not paid UK corporation tax Case Study

Starbucks has not paid UK corporation tax - Case Study Example The legitimacy theory is also associated with social perceptions directed towards organizations in regard to their responsibility to meet societal expectations and social rules. In some instances, when these institutions do not meet social, legal as well as environmental benchmarks of operations, they may be exposed to sanctions and or even being barred from operations. Starbucks is one of the current companies that have shown a violation of the requirements of the Legitimacy theory. The Company is currently facing a court case in London. Starbucks is a major restaurant in Britain, the Company has been facing a serious allegations in regard to tax avoidance. Additionally, the Company has been controversies in regard to the information that it has been providing to the Investors. Apparently, a recent publication by a local newspaper in Britain indicated that the Company has been informing investors that it is making profits while in the real sense it has been experiencing losses. This has been perceived as controversial owing to the fact that the company has been providing different sets of information to its investors and taxmen. Research has indicated that over the last three years, the company has not made any profit and has also been avoiding taxes. This has created a negative image on the company, especially among the local British populace. The Company’s problem emerged from the issue of tax avoidance coupled with provision of controversial information to its investors as well as the taxman. From the year 2008, the company is reported to have made losses amounting to 26 million Britain Pounds. On the other hand, the Company’s Chief Financial Officer was providing controversial information to its investors as well as other members of the public. The research also indicated that the Company had not paid any taxes for a period

Shift manager report Essay Example | Topics and Well Written Essays - 500 words

Shift manager report - Essay Example At the restaurant, planning plays a vital role in ensuring that there should not be a deficit of either services or anything important. A manager should make sure that the staff has roles to ensure specialization. Specialization helps in ensuring each department does not stroll behind. Specific people have specific duties. Specialization is the process in which certain group people produce certain goods and services only. Specialization at the restaurant improved quality services offered and saved more time. Problem solver A good manager should be a problem solver. Managing a restaurant contains problems that are hard to solve as sometimes subordinates engage in an argument with a customer. It brings the dilemma to the manager as either to favor the staff or the customer. Favoring either of the parties results in disagreement or loss. When the manager favors the staff, then the customer gets a negative opinion about the restaurant and leaves never to come back. However, favoring the customer, bring about disagreements between the manager and the staff. A good manager should be able to bring the two parties together. A good manager should command respect A manager should not beg for respect from the subordinate staff or the customers at the restaurant. The working methods and decisions undertaken by the manager should be enough to demand respect from both parties. The manager should be serious in his or her work to show his commitment and great efforts in the restaurant.

Tort Law Essay Example | Topics and Well Written Essays - 2000 words - 1

Tort Law - Essay Example In essence, tort law is applicable in circumstances where an individual’s or a group’s negligence, carelessness, and/or failure to take precautionary actions results in other parties’ to incurring pain, losses, discomfort, harm, incapacitation and/or death3. Although they may cause losses and pain to their victims and their loved ones, it should be clear from the onset that not all tort cases are criminal acts. It is therefore imperative that the victim of another’s negligence or carelessness seeks compensation for the loss or pain suffered. In case a victim dies, his/her loved ones or beneficiaries should follow up with the justice system for compensation. An example of a tort case law in the UK is the Hughes versus Lord Advocate of 1963. In this case, workmen from the Post Office had gone for a 5pm tea break leaving an open but protected manhole on Russell Road unattended. A ten-year old child walking on the road with his uncle meddled with the manhole a nd the equipment. He even went down the manhole. On coming out, the appellant tripped and the lamp fell back into the manhole. Its fuel leaked and it exploded making the child to sustain rather serious injuries. The tort case was thus formed on the basis of negligence by the Post Office employees who left the site unattended despite the dangers it posed to the public. Among the issues that came up in the case was whether the accident was foreseeable in nature and if it occurred due to the Post Office employees’ negligence. To properly follow up and be compensated for the losses and pain suffered, tort victims and any other parties ought to know their rights and liabilities. One of the rights of victims of tort is entitlement to receive financial damages from those responsible. Among the accidents for which damages may be paid once categorized as legal injuries include physical and emotional injuries, reputation damages, violation of privacy, constitutional rights violation an d economic injuries that affect a person’s economic stability4. This paper advises parties to an accident scene on their rights and liabilities in tort by apportioning liabilities and identifying predictability, proximity, negligence, liability and reasonability. The Liabilities First and foremost, it is vital that the basic principles and implication of tort lawsuits is known. In such a lawsuit, the appellant or the victim of a loss or harm seeks to make someone else responsible for the problem at hand. Thus, tort is a civil lawsuit in which the victim, who prosecutes instead of the state, seeks not for the defendant to be imprisoned but to be forced to compensate for the loss or injury suffered5. Therefore, tort lawsuits are unlike criminal lawsuits in which are prosecuted by the state and the defendant is punished. Instead, the judgment is in form of a liability, mainly financial payments. That is, all the legally-recognized costs suffered by the victim or his/her families are shifted to the defendant if the latter is found liable. Besides, financial liabilities, defendants may be barred by a court of law from interfering with the plaintiff’s life or wellbeing6. Thus, in some instances, a plaintiff could be awarded disciplinary damages besides the compensation given. However, the plaintiff only stands to be compensated only if the defendant has a legal duty

Starbucks has not paid UK corporation tax Case Study

Starbucks has not paid UK corporation tax - Case Study Example The legitimacy theory is also associated with social perceptions directed towards organizations in regard to their responsibility to meet societal expectations and social rules. In some instances, when these institutions do not meet social, legal as well as environmental benchmarks of operations, they may be exposed to sanctions and or even being barred from operations. Starbucks is one of the current companies that have shown a violation of the requirements of the Legitimacy theory. The Company is currently facing a court case in London. Starbucks is a major restaurant in Britain, the Company has been facing a serious allegations in regard to tax avoidance. Additionally, the Company has been controversies in regard to the information that it has been providing to the Investors. Apparently, a recent publication by a local newspaper in Britain indicated that the Company has been informing investors that it is making profits while in the real sense it has been experiencing losses. This has been perceived as controversial owing to the fact that the company has been providing different sets of information to its investors and taxmen. Research has indicated that over the last three years, the company has not made any profit and has also been avoiding taxes. This has created a negative image on the company, especially among the local British populace. The Company’s problem emerged from the issue of tax avoidance coupled with provision of controversial information to its investors as well as the taxman. From the year 2008, the company is reported to have made losses amounting to 26 million Britain Pounds. On the other hand, the Company’s Chief Financial Officer was providing controversial information to its investors as well as other members of the public. The research also indicated that the Company had not paid any taxes for a period

Tort Law Essay Example | Topics and Well Written Essays - 2000 words - 1

Tort Law - Essay Example In essence, tort law is applicable in circumstances where an individual’s or a group’s negligence, carelessness, and/or failure to take precautionary actions results in other parties’ to incurring pain, losses, discomfort, harm, incapacitation and/or death3. Although they may cause losses and pain to their victims and their loved ones, it should be clear from the onset that not all tort cases are criminal acts. It is therefore imperative that the victim of another’s negligence or carelessness seeks compensation for the loss or pain suffered. In case a victim dies, his/her loved ones or beneficiaries should follow up with the justice system for compensation. An example of a tort case law in the UK is the Hughes versus Lord Advocate of 1963. In this case, workmen from the Post Office had gone for a 5pm tea break leaving an open but protected manhole on Russell Road unattended. A ten-year old child walking on the road with his uncle meddled with the manhole a nd the equipment. He even went down the manhole. On coming out, the appellant tripped and the lamp fell back into the manhole. Its fuel leaked and it exploded making the child to sustain rather serious injuries. The tort case was thus formed on the basis of negligence by the Post Office employees who left the site unattended despite the dangers it posed to the public. Among the issues that came up in the case was whether the accident was foreseeable in nature and if it occurred due to the Post Office employees’ negligence. To properly follow up and be compensated for the losses and pain suffered, tort victims and any other parties ought to know their rights and liabilities. One of the rights of victims of tort is entitlement to receive financial damages from those responsible. Among the accidents for which damages may be paid once categorized as legal injuries include physical and emotional injuries, reputation damages, violation of privacy, constitutional rights violation an d economic injuries that affect a person’s economic stability4. This paper advises parties to an accident scene on their rights and liabilities in tort by apportioning liabilities and identifying predictability, proximity, negligence, liability and reasonability. The Liabilities First and foremost, it is vital that the basic principles and implication of tort lawsuits is known. In such a lawsuit, the appellant or the victim of a loss or harm seeks to make someone else responsible for the problem at hand. Thus, tort is a civil lawsuit in which the victim, who prosecutes instead of the state, seeks not for the defendant to be imprisoned but to be forced to compensate for the loss or injury suffered5. Therefore, tort lawsuits are unlike criminal lawsuits in which are prosecuted by the state and the defendant is punished. Instead, the judgment is in form of a liability, mainly financial payments. That is, all the legally-recognized costs suffered by the victim or his/her families are shifted to the defendant if the latter is found liable. Besides, financial liabilities, defendants may be barred by a court of law from interfering with the plaintiff’s life or wellbeing6. Thus, in some instances, a plaintiff could be awarded disciplinary damages besides the compensation given. However, the plaintiff only stands to be compensated only if the defendant has a legal duty

An Embarrassing Moment Essay Example for Free

An Embarrassing Moment Essay One day my friend and I where getting ready to go out of town; to Houston, Texas where we would be attending a Southern Football game. We where so excited about leaving because it was the only time that we actual go somewhere without our parents always around us. While packing our things we decided that we need a new outfit and a new pair of shoes. First we made sure to finish packing all the small; but necessary items like toothbrush, comb, toothpaste, and comb. Then we borrowed my sister car to go hunting for I new outfits and shoes. Our first stop was Gonzales to this little strip mall that we like to shop at; but we didn’t have any luck finding what we were looking for that day. So we made our way to Cortana mall and look around in a few stores; my friend found some shoes that she purchased and I have found a shirt that I purchased. After leaving Cortana my friend still needed an outfit and I need to complete my outfit and get some shoes. We took a break from shopping and got some lunch to eat. Then we then decided to go to the Mall of Louisiana to continuing looking for our new things. Upon arrive at the Mall of Louisiana we stopped a Dillard’s to check out there selection of shoe; leaving Dillard’s we saw these two amazing looking guys. We decided to follow them to get a better look; us trying to follow them with out it being obvious. They stopped in this urban wear store where they where looking at so throwback jerseys. We were acting like we were looking at the throwback dresses next to the men’s jerseys that they were looking at. I looked away for a minute; to look at the dress my friend had in her hand and they were gone. My friend turned around to look in the mirror and bumped the mannequin; it fell right on me and I fell to the ground. The two guys were standing behind us and started cracking up laughing. The salesperson in the store helped me up and fixed the mannequin back the way it was suppose to be. I was so embarrassing will never go to the mall with her again.

The Business Ethics In Advertising Outline Media Essay

The Business Ethics In Advertising Outline Media Essay The importance of advertising has been on a steady rise in the past few decades with a strong social impact in modern world. Advertising through social media forums is a pervasive, strong force that defines the attitudes and behaviors of a majority of the population who are impacted by it (Berger, 2007: 178). In the 21st century, advertising has a profound impact in the way people view life, the entire world and even how they perceive themselves. Usually, advertising is twofold because it impacts people in both positive and negative ways. This creates ethical dilemmas which will be later discussed in this study. This study will analyze business ethics in advertising as the study of organizations situations, decisions and advertising activities in matters relating to what is right or wrong. The definition of what is right or wrong primarily relates to what is morally right or wrong as opposed to what the organization may deem commercially, strategically or financially right or wrong. In addition, this study will not only be exclusive to commercial enterprises but also governmental agencies, pressure groups, non governmental organizations, non profit organizations, charities and other institutions. Benefits of Advertising Economic Advertising can be potentially useful in any society that abides by moral principles and caters to the authenticity of humanity (Fernando, 2009: 335). Modern market economies are practically difficult to operate without advertising; which in developed economies is more developed as compared to developing economies (Fernando, 2009). Currently advertising is perceived as the most cost efficient way of utilizing an organizations resources while at the same time responding to the socio-economic needs of the society, provided they conform to moral standard set upon the goodwill of human development and moral good (Hackley, 2010b). In this context, advertising is an effective tool in fostering moral, healthy competition within organizations and at the same time, help in contributing to human development (Hackley, 2010b). Hackley (2010a) looks at this aspect in the context of the fulfillment and growth of the consumers ability to be effectively productive and at the same time, on the increasingly large relationship network existing between people or different social groups. In this regard, he is in support of advertisement as a wholesome and efficient tool in helping consumers and the general public. Advertising is able to accomplish this goal through information by making consumers and the general public aware of existing goods and services and any new product improvements (Hackley, 2010a: 244). This then aids consumers in making informed and prudent decisions that will eventually add up to the realization of efficiency and reduced costs. In the same regard, economic progress is likely stimulated in this manner through the increase of business and general trade (Hackley, 2010b: 225). Advertisements therefore have the potential of covering the costs of publication, programming and production of any type of organization; including provision of entertainment, availability of information and the inspiration of people around the globe (Jeurissen, 2007: 150). Cultural Advertisements have a strong impact on social media because of its strong ability to generate revenue (Jeurissen, 2007). In the same regard, advertising has the potential to instill media discipline in social media and create a positive impact on crucial decisions regarding the content of media (Malachowski, 2001). Advertising is able to achieve this through the support of materials that have a high intellectual, aesthetic and moral content which is focused on the consideration of public interests. This is especially true when adverts are tailored towards possible media presentation and with consideration to the need of the minorities which may otherwise go unnoticed (Malachowski, 2001). Advertising can also aid in the general betterment of the society by inspiring and uplifting both consumers and the general population through the inducement of behaviors that benefit advertising companies and other stakeholders (Malachowski, 2001). Simply, by witty advertisement campaigns, advertising has the potential to be tasteful and entertaining at the same time. Advertisement campaigns also contain some elements or creative artistry through the uniqueness of their vivacity (Marlin, 2002: 175). Moral Social institutions like churches and other benevolent organizations incorporate advertising in passing messages to their members (Marlin, 2002). Advertising can be used to communicate messages of tolerance, compassion or encouragement of neighbourly elements of humanity. Most nonprofit and nongovernmental organizations have been clear examples of positive moral advertising because they have undertaken advertisement campaigns which are tailored towards sensitizing charity for the needy; with a focus on health and education needs. Most of the adverts have the ability to educate the general public through constructive and helpful contents that motivate people in a number of ways, beneficial towards the common cause of humanity (Marlin, 2002: 175). Though much still needs to be done, many such initiatives of this nature are already in progress. In direct reference to advertising, the Catholic Church established that institutions and organizations should follow with careful understanding the development of modern techniques in order to take advantage of existing opportunities to spread messages of goodwill in ways that seek to answer questions that plague the needs of the contemporary person (Wilkins, 2005: 115). Introduction Abuse of Advertising Intrinsically, there is no beneficial or damaging element to advertising (Wilkins, 2005). Advertising is nothing more than a tool or simply an instrument which can either be used beneficially or destructively (Phillips, 1997). If goods or services of a harmful nature are touted to the general public; this is a clear abuse of advertising (Phillips, 1997). In the same way, if goods or services are not clearly asserted in the advertisement campaigns; it is a clear violation of advertising. Advertising companies responsible for such misdemeanors usually forfeit their credibility or their good brand names in light of these developments (Phillips, 1997). Moreover, unremitting pressures from advertising companies can drive up the need to purchase goods or services which one doesnt necessarily need. This can be openly illustrated in the rampant purchase of luxury goods or services by most households at the expense of basic goods and services for the families. Some advertisement campaigns have been noted to explore sexual instincts from commercial reasons or to tap into the subconscious mind of an individual, thereby compromising his/her independence in making a conscious decision (Vatican online Ethics in advertising 1997). Economic Effects Some companies can abuse the important role of advertising in the provision of information by withholding crucial information which could be material in the decision making of a consumer (Reichert, 2003). As a deviation from the informative function of advertising, advertisers have now adopted the tendency to persuade or motivate customers to adopt certain spending habits (Marlin, 2002). This is the major platform to which advertising is deemed unethical. The use of brand advertising is also not easy because it may create many legal problems for companies. This is clearly evident in Tobacco companies, Alcohol pops companies trying to motivate more users to get addicted to there products. To curb this problem, governmental authorities should be vigilant in persecuting offenders who disregard copyrights or other intellectual properties attributed to specific companies. It is an eminent fact that many brands are closely interlinked and often look similar. Advertising can therefore motivate people to make irrational decisions in the purchase of goods and services based on these misconceptions as opposed to brand or price differentiations (which are the rational ways of going about it). Consumers should beware of such malpractices in advertising through sensitization by government and the media. In this manner, if such acts are noted, such companies and advertising agencies engaged such activities are likely to face public rejection. A large number of companies use sporting event to advertise there products even though this is deemed unethical sporting organization agree to sponsorship deals as the money being offered is in such large amounts. Culture Corruption of culture or general cultural effects can be partially attributed to advertising. More specifically, such damages are observed in developing countries because developed countries have been on a war path against traditional or indigenous cultural practices (Reichert, 2003: 105). This is some sort of domination over the target population and a manipulation of the cultural heritage of various population groups. This happens because of the high capability of adverts to impact on the revenues of social media companies. Communicators then find themselves in these ethical dilemmas because there is a rush to attract large audiences and deliver them to advertising agencies. In this regard, communicators are also observed to ignore the social and educational needs of the specific segments of the general public such as different age groups who dont conform to the demographic patterns of the advertisers. The establishment of a written code of ethics would go a long way in ensuring communicators are not faced with such dilemmas. However, Reichert (2003) is of the opinion that these codes should be formulated by every stakeholder because their effectiveness depends on the ability of every stakeholder to abide by them. Advertisers have also contributed to the development of certain social stereotypes which pit others as more superior or inferior to others. The blatant abuse of women in or by advertising campaigns is a clear deplorable abuse on gender affiliation (Reichert, 2003). Advertising campaigns have been known to portray women as objects for satisfaction of the desire for pleasure or power (Reichert, 2003). Not much can be done by either government or other stakeholders in controlling such perceptions in the society, though governments can moderately regulate such advertisements; but advertisers should be majorly sensitized from perpetrating such social segregations in society. In addition, consumer sensitization through social forums like churches would also help the general population understand that such ideologies depicted in adverts are not necessarily the ideal situation. Moral Though advertising can conform to moral principles and is sometimes inspiring, it can be vulgar and immoral (Crane Matten, 2007). Often, the appeal to such motives stems from attributes such as envy, lust or status symbol (Vatican online Ethics in advertising 1997). Advertisers still use pornographic materials and other inappropriate materials to date (Reichert, 2003). The media has also helped in facilitating this cause by making such advertising campaigns accessible to the general population, including children. Such activities were majorly observed to be common in developed countries but the same trend has been observed to pick in developing countries. The best approach to cover such kind of unethical practices would be the regulation of media content by governments. Conclusion Guarantors of ethical, moral behavior are the conscious advertising professionals who are not only focused on their duty to please those who commission or bankroll their work but also uphold the rights and interests of the general population in fulfillment of a common human good. Many people who have been engaged in advertising normally have a high ethical conscious but the nature of the competitive work and companies who bankroll them often exert irresistible pressure on them, compromising on their ethical standards. Advertising companies have also been noted to pursue commercial objectives at the expense of ethical practices without any regard to societal values or the impact of their advertising campaigns on the general population. This therefore necessitates a number of measures that need to be religiously followed and implemented to ensure such unethical practices are prevented. Some of the measures to cover this menace rest in the advertising agencies while some rests on the go vernment, media and society in general. A lot needs to be done to ensure ethical practices are observed in advertising. One such structure to ensure this is achieved is through the establishment of ethical codes. The effectiveness of this approach however depends on the willingness to abide by such codes. Public authorities also have a major role to play in regulating social media, such that they dont air materials that are unethical or morally incorrect. Their involvement should however be moderate. The public should also be sensitized against the negative effects of advertising to reduce the negative impact of advertising on the population. Nonetheless, observance of ethical advertising needs to be observed by advertising agencies themselves.

The Awakening :: Personal Narrative Essays

The Awakening As I strolled through the door of the old stone building of the Danish Folk High School in Sønderborg, Denmark, I had no inclination of what I was supposed to be thinking. From the moment when we arrived in Copenhagen, the concept of the Folk High School was thrown at us in many different ways and I, maybe still in a wary state of jetlag, never grasped it. When we first arrived, I could not fathom the concept of a high school student finishing their studies and, en-lieu of moving on to college, chooses instead to give up a precious year of his or her life to go to a folk high school. "A school with no grades?" I balked back at a professor of mine who was telling us of the origins of the schools, "why would anyone want to waste their time going to one of them?" It was with this preconceived stereotype of mine that I reluctantly entered the building. "Bizarre," I remember as the first word spoken from my lips to a friend of mine as we were gathered in a large group together in the school's auditorium for the opening lecture. "This place reminds me of the YMCA back in my home town," I added, trying to make a common ground with something I was very familiar with in my life. It was not that I was trying to put the school down on a first judgment, for the place did in fact remind me a great deal of my local Y. With it's small, cramped dorm-rooms, musty pool and locker-room facilities, and tiny, hardwood floor gyms, it's a wonder I did not break down in a fit of home-sickness. Through the entirety of the Principal's speech, I remember wondering back to my original thought of why a high-school graduate would want to go to one of these schools. The Principal only touched upon this pressing issue of mine from a very distant perspective. He noted how the Folk High School we were currently visiting had a sports oriented curriculum, and thus most of students went on to work as a trainer or a head coach of a particular sport. I was not that naïve to believe that of the ninety plus students currently enrolled in the school, all ninety would go on to a sports related job in their future.

Math Coursework - The Fencing Problem :: Math Coursework Mathematics

The Fencing Problem A farmer has 1000m of fencing and wants to fence off a plot of level land. She is not concerned about the shape of plot, but it must have a perimeter of 1000m. So it could be: [IMAGE] Or anything else with a perimeter (or circumference) of 1000m. She wishes to fence of the plot of land with the polygon with the biggest area. To find this I will find whether irregular shapes are larger than regular ones or visa versa. To do this I will find the area of irregular triangles and a regular triangle, irregular quadrilaterals and a regular square, this will prove whether irregular polygons are larger that regular polygons. Area of an isosceles irregular triangle: ======================================== (Note: I found there is not a right angle triangle with the perimeter of exactly 1000m, the closest I got to it is on the results table below.) To find the area of an isosceles triangle I will need to use the formula 1/2base*height. But I will first need to find the height. To do this I will use Pythagoras theorem which is a2 + b2 = h2. [IMAGE] [IMAGE] First I will half the triangle so I get a right angle triangle with the base as 100m and the hypotenuse as 400m. Now I will find the height: a2 + b2= h2 a2 + 1002 = 4002 a2 = 4002 - 1002 a2 = 160000 - 10000 a2 = 150000 a = 387.298m Now I will find the area: 100*387.298 = 3872.983m2 My table shows the areas of other irregular triangles, but to prove that regular shapes have a larger area I will show the area of a regular triangle: Area of a regular triangle: Tan30= 166.6666667/x X= 166.666667/Tan30 X= 288.675m 288.675*166.6666667 = 48112.5224m2 This shows clearly that the regular triangle's area is larger than the

Body Image vs Self Esteem Essay

According to Merriam Webster’s Dictionary, diet is food and drink regularly provided or consumed. It is also defined as the regimen of eating and drinking sparingly so as to reduce one’s weight. The latter definition will be the one used for this research paper. Currently, up to fifty percent of women have tried dieting at some point in their lives and at least 90 percent of teenagers diet regularly. Due to this, the â€Å"diet fad† is worth billions with its government, pharmaceutical, and weight loss agencies funding it. see more:a handout that explains the link between identity self image and self esteem Americans alone spend more money on weight loss programs and products than any other nation. People go on diets for a number of reasons. One reason is their concern for their health. Many people who live a healthier life are geared towards a restricted diet and lifestyle due to medical reasons. Second reason and probably the most common is to achieve a better body image. Body Image is how people perceive their physical appearance due to self-observation and the reaction of peers. It is how people see themselves and how comfortable they feel about their physical appearances. Even though it is more of a personal evaluation there are several factors that can influence how we perceive our bodies. One factor that can shape one’s body image is culture. Different cultures have different definitions of what they consider beautiful or ugly. For example, a culture would consider a girl with many tattoos as beautiful which could then bring about a positive body image. On the other hand, other cultures would label women with tattoos as impure. Another factor would be the influence of the media on body image. It can either heighten positive body image or aggravate it. Standards of beauty are often defined by what we see on magazines and televisions. People are often exposed to images of â€Å"perfection† that it sends messages that this is how men and women should look. The pressure to achieve â€Å"physical perfection† causes people to be unsatisfied with how they look. Due to this, teenagers often go on â€Å"fad diets’ to improve their negative body image. Teenagers would normally compare themselves to models which contributes to low self-esteem and heightens body image issues. This could eventually lead to depression, loss of self-esteem and eating disorders. A negative body image develops when the person feels that he/she doesn’t match up to society’s or even his/her personal standards of beauty. This causes people with negative body image to be often dissatisfied with how they look. According to Kathryn Yarborough (2009), â€Å"there are two main types of body image disturbances: distortion and dissatisfaction. † Distortion is when we have inaccurate visual perception of ourselves. For example, anorexic people still feel fat despite being underweight. People get dissatisfied when they cannot find contentment with how they look. These body image disturbances are what affect emotional and mental thinking. Victims of negative body image always feel self-conscious with no self-confidence at all. This causes their self-esteem to be naturally low. With this in mind, we want to evaluate the relationship on how body image affects the self-esteem of people. Self-esteem is defined as how a person values him/herself. This is more concerned on your personal opinion and how you respect yourself. Good self-esteem enables a person to exude a more positive outlook in life. According to Yarborough (2009), â€Å"studies indicate that regardless of actual attractiveness, the better the person feels about him/herself the higher his/her self-esteem will be and vice versa. † Self-esteem may also be defined as a ratio of a person’s success against his/her failures. When success gets the majority of the ratio, a person feels good about him/herself. A poor body image is classified under failures. In turn, self-esteem is hindered greatly by poor body image. There is a thin line between body image and self-esteem but one greatly affects the other. Body image becomes a major factor in having a high or low self-esteem. In improving your body image, you are unconsciously creating an â€Å"ideal self. † According to Brennecke (1978), â€Å"as we gain more experience with life, we begin to develop an image of what we wish to be: our ideal self. † He also stated that this is largely affected by culture, family, friends and media. In many cases, our ideal self can be unrealistic and hard to attain. These high expectations cause people to fall short on their image. As stated above, people usually prefer dieting as their key solution to improve their body image. Based on personal interviews, people are not always happy with the results of their dieting. Most of them are tempted by the food they try to avoid. Some of them don’t get contented with the results because it wasn’t what they were aiming for. This is because dieting is tricky. At the start, their metabolism slows down and during this transition, they lose weight easily. Once their bodies are used to the new di et pattern, losing weight will be difficult. Going back to their old eating habits, they gain weight easily because their bodies got used to eating little amounts. In conclusion, diet may or may not help a person’s body image. Whether we know it or not, having a positive image is crucial in developing a healthy mental, physical and emotional attitude. But we strongly advise people to improve their body image with methods other than dieting. According to Kienlen (2007), â€Å"Different people will find different tips helpful when it comes to building a healthy body image. Focusing on their positive qualities is one of these tips. Building a better body image means dwelling on your strengths. Another tip is to not spend too much time thinking about the flaws that peers point out. Sometimes it causes them to overlook their positive qualities. Lastly, being comfortable is always the best tip. People can put aside all their negatives when they are carefree. † This can fall under cognitive therapy where the person can restructure his/her thoughts to alter the negatives. As the author mentioned, one good way to treat body disturbances is to highlight and bring about the positive image of every individual. Strengths are under success. Its magnitude can be magnified by focusing on these strengths and in doing so; the success versus failure ratio might favor the success more. This rule also applies for people’s negatives, which goes under failure. By not pondering upon them, they are not magnified to favor the failures. According to Brennecke (1978), â€Å"your evaluation of your own self-worth is dependent on how close you come to your ideal self. If you’re meeting that image, you will experience self-esteem- that is, you’ll feel good about yourself. † In response to this, Judy Lightstone (1999) suggests that people should also be realistic about their ideal self that taking in mind genetic and environmental history. Apart from the mental aspect, it is important to take into consideration the physical aspect as well. Having a healthy diet and exercising regularly is also one step in achieving a positive body image. Research shows that while we exercise, our body releases endorphins—the body’s feel good chemicals. It boosts up our mood and improves how we tackle daily tasks. Exercise and endorphins are strongly linked to good mental health as well. To sum it all up, there are a number of ways to change how we think and perceive ourselves. It is dependent on the person and if he/she chooses to improve his well-being. Most of the discussions aforementioned are geared towards improving body images. The improvement of body image is key in achieving a healthy outlook in life, mentally, physically and emotionally. It is important because, as emphasized, it is closely related to self-esteem. Based on psychological tests, self-esteem greatly affects behavior, development and a person’s capability to make decisions. According to a study made by the Indiana University Medicine Media relations, statistics show that 40 percent of girls with low self-esteem versus 18 percent of girls with high self-esteem have tried sexual intercourse even before ninth grade. Hayers and Fors’ study (1998) report that low self-esteem is a common precedent to premarital sexual relationships which then could lead to unplanned pregnancies. They also found that as self-esteem decreases, sexual behavior becomes more prominent. Another test based on Candito (1996) concluded that those who were classified as â€Å"recovered alcoholics† pointed out that they have suffered from low self-esteem and marked it as their most significant problem. Kaplan (1975) conducted studies on 7,000 seventh graders and found that violence and crime holds a close link to low self-esteem as well. There are far more intriguing studies about the effects of self-esteem to oneself but based from the studies mentioned above, we can all see how pressing the issue of low self-esteem is. It is alarming and it is definitely something that should be acted upon immediately. In conclusion, we believe that one step in improving low self-esteem and avoiding all its bad effects is to first improve body image. It is through correcting how we see ourselves and choosing to improve our wellbeing will we then live out a happier and more fruitful life.

Reaction Order and Rate Law Essay

Data, Calculations, and Questions A. Calculate the initial and final concentrations as needed to complete Tables 1 and 2. Data Table 1: Varying the Concentration of 1.0 M HCl | | | | |Concentrations | | |# Drops |# Drops |# Drops |Initial | |# Drops |# Drops |# Drops |Initial |Initial |Final |Final |Reaction Time (sec) |Reaction | |Well # |HCl |Water |Na2S2O3 |HCl |Na2S2O3 |HCl |Na2S2O3 |Trial 1 |Trial 2 |Avg |Rate (sec-1) | |1 |8 |0 |12 |1 M |0.3 M |0.4 |0.18 |18.4 |16.3 |17.35 |0.0576 | |2 |8 |6 |6 |1 M |0.15 |0.4 |0.0045 |37.1 |37.9 |37.5 |0.0267 | |3 |8 |8 |4 |1 M |0.1 |0.4 |0.02 |107.2 |106.6 |106.9 |0.0093 | | B. Calculate the average reaction time for each reaction by adding the times for the two trials and dividing by 2. C. Calculate the reaction rate by taking the inverse of the average reaction time, i.e., 1 divided by the average reaction time. 1. Use table 1 to determine the reaction order for HCl. 2. Use table 2 to determine the reaction order for Na2S2O3. Remember, you want to see what happens to the reaction rate when you double the concentration of one reactant while the second reactant remains unchanged. In Part 1, we varied the concentration of HCl while we kept the concentration of Na2S2O3 the same. In Part 2 we varied the concentration of Na2S2O3 while keeping the concentration of HCl the same. These are  experimental data and results will be different from some of the nice, even numbers you saw on textbook problems. For example, in this experiment you may double the concentration of a reactant but the reaction rate may increase anywhere from 1.7 times to 2.4 times. This still means an approximate doubling of the reaction rate. On the other hand, if you double a reactant concentration and the reaction rate increases by 0.7 to 1.3 times that probably means that the reaction rate multiplier is one (1). D. Write the rate law for the reaction. E. Using the rate law, the rate, and the appropriate concentration(s) from one (or more) of your experiments calculate k. F. What are the potential errors in this experiment? ———————– Laura Titus Done in the table Time average=time trial 1+time trial 2/2 HCl reaction is 1.36 Na2S2O3 reaction is 0.84 Rate law = k[HCl]^1.36[Na2S2O3]^0.84 Rate law=k[0.024]^1.36[0.0576]^0.84 Rate law= k[.03264][.048384] K=1/.00158 K= 632.9? Me not fully sure if my numbers are correct or not. Rounding correctly, documenting at right time.

Afghan-war prisoners Essay Example for Free

Afghan-war prisoners Essay American Civil War (234) , Prisoner (26) company About StudyMoose Contact Careers Help Center Donate a Paper Legal Terms & Conditions Privacy Policy Complaints ? Some insurgents’ failed attempt on an US military convoy was provocation enough for them to gun down 16 civilians, leaving another 25 severely wounded. The groups – dead and alive, contained woman and children. It is an event of March 4, 2007, took place in Iraq, on the Jalalabad highway in eastern Nangarhar province. The day next US army again responded the terrorist attack by 2000-pound aerial bombing in the civilian area, killing five women and three children. This happened at the Kapisa outpost. These are regular features in Iraq; between January 2006 till date, more than thousands of civilians were killed by US attack. Back home, US authorities are no less active under the ‘anti-terrorism’ movement. Ahmed Alenany, an Egyptian physician, was picked up from the road of New York City and was detained for five months, charged with overstaying, in spite of his valid ground of filing for its extension well before the expiry. His fault was that the police found two pictures of WTO in his car and he held a roadmap when arrested. That was one bubble on the sea. The United States securely took away 650 Afghan-war prisoners to their military base at Guantanamo Bay, Cuba, where they are reportedly passing their days in small single-person cells. India: On July 2005, four Kashmiri youths went to attend a wedding in Vilgam, Kupwara, and while out in the open at night for smoking away from the disapproving adults, three of them were gunned down by the Indian army all on a sudden. Later army admitted its mistake and wanted to compensate, though there was enough effort to suppress this news. India is also experiencing zero tolerance in counter-terrorism, especially after the militant attack on its parliament on December, 2001. They have even created a special law, â€Å"POTA† , which is capable of detaining anyone under the slightest suspicion on any ground of terrorism, that would later arrest 131 Muslims for the Godhra carnage of Hindus in 2002, who later retaliated with the killings of 2000 Muslims throughout the Gujrat state, were mostly able to slip past this law. China: Charged for â€Å"crimes of terror† and â€Å"incitement to separatism†, the popular religious leader Tenzin Delek Rinpoche was arrested in Sichuan on a night in December 2002 and sentenced to death. He was linked to the series of bombings. Same fate met his co-defendant Lobsang Dhondup, even quicker as he was executed. Now the open secret was that the authorities were up against his activities all the time, as he was a known supporter of the Dalai Lama. Egypt: This country has a track record of arresting hundreds of people either for their proximity to the Muslims, or for possessing â€Å"suspicious† literature. In a known case, 94 such victims, allegedly belonging to an â€Å"Islamic Group† though none heard about its name), were arrested in May, 2001. It was before the September 11 attack and after the attack, they were charged additionally for plotting to kill the government officials! The hapless victims belong to almost all rank and file – Doctors, engineers, professors, to name a few. They were dragged into the military courts whose norms, understandably conform to the trial standards set internationally. Accordingly, 51 were convicted! Georgia: Armed by the US support Georgian authorities have targeted the Chechens at Pankisi Gorge, a place which Russia also labelled as a â€Å"haven for the terrorists†. Here the governmental approach to the human rights violations is indicative of non-caring, as it is echoed by the words of its President Eduard Shevarnadze, who, right after extraditing five Chechens to Russia (October 5, 2002) without holding any court, said, â€Å"International human rights commitments might become pale in comparison with the importance of the anti-terrorist campaign† Afghan-war prisoners. (2017, Apr 25).

Monetary policy Research Paper Example | Topics and Well Written Essays - 1750 words

Monetary policy - Research Paper Example It lays a vital role in opening up the financial market of a country. It also has supervisory powers, aimed at limiting banks and financial intermediaries from reckless behaviour. In developed nations Central banks are independent so that they operate under rules made to help them operate in a political free management (Kurgan and Wells 387). Therefore, this paper aims at obtaining a deep analysis on the role of central bank in use and implementation of monetary policy to stabilize the economy. This will be with respect to the great depression of 1929 to early 1940s. Monetary policy is the mean through which the monetary tools of a country control the flow of money. It mostly focuses on the rate of interest with an aim of promoting economic growth and stability. It is key role is to sustain, stable prices and maintain low levels of unemployment. Monetary policy can either be expansionary of contractionary. Expansionary policies increase the supply of money in the economy while the co ntractionary measurers reduce the total money supply to the economy (Bofinger, Reischle and Schachter 123). Expansionary policy is theoretically used to control unemployment in a recession by lowering interest rates in the view that easy credit will motivate businesses into expanding. Contractionary policy is intended to slow inflation in a view of curbing the resulting deterioration and distortions of asset values. The Monetary policies advocated by the central bank helps in fostering the growth of financial market by encouraging open market operations. It is the most used tool by the central bank of each country to correct any economic disorder or to set the pace of a country economic growth (Bofinger, Reischle and Schachter 170). Economic depression is an economic slowdown where the gross domestic product is expected to decline at around 10%. To give rise to greet economic depression, the gross domestic product was believed to have declined by at least 33% per annum. This is the worst in history so far. Economic depression is characterized by; reduced consumption by individuals and the government, increased liquidation of the banking system or narrowing of financial market to the extent that it cannot allocate capital inflow to various sectors of the economy, high levels of unemployment expressed in two digits, insolvency of economic driving companies, a reduction in the wage rate for example, during the great economic depression it reduced sixty percent and acute shortage of money supply in the economy. Thus, depression can be defined as a recession that lasts longer and has a massive decline in business activity thus a slowdown in economic growth (Bofinger, Reischle and Schachter 213). Central bank and monetary policy with respect to the great depression of 1929 to early 1940s can be analyzed from different views. The great depression lasted for 10 years. This occurred when the shares traded in a day tripled followed by a drastic fall in price by about 24 %. The great economic depression was characterized by an increased rate in unemployment which increased by 22% of the total country workforce. The total gross domestic product reduced by half as the price fell by 10%. The depression also caused farmers to lose their farms, and this made them together with the unemployed to move to urban areas in search of daily earnings, this lead to development of shanties thus creation more problems. There were massive bank failures and

International Relations Essay Example | Topics and Well Written Essays - 1500 words - 4

International Relations - Essay Example The Great Debate of Realism vs. Idealism: The North Korea Nuclear Problem Since the introduction of International Relations Theory during the World War I era, two conflicting arguments have helped to shape and guide the United States' foreign policy. Realists advocated seeing the world as it is; a conglomeration of self-interested states where military might and economic strength produce positive results. In contrast to the realists, the school of idealism advocated a foreign policy based on what the world could become; a cooperative system of member states and an international code based on freedom and order. US foreign policy in the last 100 years has ebbed and waned in and out of realism as a second World War, a Cold War, and a post-Cold War period challenged the State Department for a coherent policy theory. Nuclear capability in the hands of rouge nations has made it even more difficult to define the two theories. The North Korea nuclear problem is a product of the US's dual nature of realism and idealism. Since the Clinton administration, the US government has taken a hard line against the North Korean nuclear capability. The US was not working to persuade North Korea to become democratic or hold free elections. In addition, there have been few credible attempts to bring North Korea out of isolation, with the exception of South Korea's unification policies.

In Defense of Masks by Kenneth Gergen Essay Example | Topics and Well Written Essays - 1000 words

In Defense of Masks by Kenneth Gergen - Essay Example It is evidently clear from the discussion that  it is impossible to live through life without putting on or developing masks. Masks are a vital part of human society. Masks act as a source of fostering relationships and understandability between various groups in society.  People portray different forms of their real selves. They adorn masks to masks to achieve various objectives in their lives, but it is a fake characterization of their true beliefs and attitudes of a person. Everybody has a motivation towards hiding their identities. Whether it is to get accepted, loved, ignored, inflict fear or hide from shame. This urge to wear masks is true to human form. The urge for survival in a tough and competitive world makes people act in a manner that is not true to self. For example, it is common for an employee to appear subtle in front of his/her boss just to appease them and look well-mannered or cultured. The employee may in the actual sense not be cultured or well-mannered. He or she may be a loudmouth or someone that ridicules fellow coworkers at the workplace. But because the employee is in the presence of their boss and he or she hopes to get noticed for a promotion or favor, they hide their true identity in front of the boss. The boss would thus pick up a fake attitude or behavior from the employee. The motivation to get promoted or noticed makes the employee wear a mask that hides their real identity.  Society has also forced human beings to wear masks. Societal pressures make people act in ways that are not true to their selves. In a world that is full of standards and demands, people act to please others and not themselves (Gergen 138). Friends, enemies, and relatives may force individuals to behave in certain ways.  

Financial Planning Master Essay Example | Topics and Well Written Essays - 5000 words

Financial Planning Master - Essay Example This is done keeping in view the non deductible outcome regarding the superannuation funds at the age of sixty. They are advised to take Total permanent disability insurance that covers both life and disability insurance. In case of disability it will provide minimum possible income and the lump sum of amount mentioned as life cover. Along with the insurance cover, they are advised to opt for income protection scheme that replaces the 75 percent of the income and 15 percent of superannuation funds. The advice for Gavin and Joanne was given keeping their aggressive nature of investing. As they have enough cash after expenses including school fees they have enough opportunities to invest. Nevertheless, they are advised to invest with the equity of their immovable property and a limited investment in income protections and insurance schemes. This is due to the fact to keep the cash for the next next financial year for new government decisions regarding superannuation and income protecti on scheme policies. After two years of superannuation changes there is a chance of bringing changes in them and the surplus of cash in the hand can help in utilizing the new opportunities put forward by the government. 2.1 Mode of planning: The holistic approach to plan the financial future is known as financial planning. Setting short and long term goals are involved in it. Strategies are planned to achieve these goals. Financial back ground, current financial position, insurance position and the financial goals and aims. The planning should be done by developing a strategy taking into account all the factors that outline the work towards the financial goals. The investment plan will be with relevant investment vehicles and asset mixes that are been identified with the client. The financial planning depends on the following1. Setting life style goals 2. Budgeting cash flow planning 3. Structural advice 4. Wealth protection and contingency planning 5. Retirement planning and savings 6. Investment planning 7. Retirement planning and income streams 8. Estate planning 9. Product recommendations 1 2.2 Needs of the client: The needs of any client are about setting life style goals. To set a goal better than now and to sustain it. Clients Gavin and Joanne have a kid going to school and soon enter college. They have two homes one for each and a loan to repay. This makes them compulsory to plan the regular income to pay for the college of their kid in the future and to pay the bank loan on the home they own without disturbing the superannuation outcomes. This requires contingency planning with the available income. For this purpose, the incomes of Gavin and Joanne should be taken into consideration. This requires new investment in the superannuation, income protection and insurance schemes. It is better to have returns by the time of their son entering college to make him enable to study without working part time. 2.3 Superannuation ending at June 2007: They are trying to contribute superannuation to escape tax paying. By the year ending with June