Consider the role and influence shop stewards and union activists in Essay

Consider the job and impact shop stewards and association activists in Contemporary UK mechanical relations - Essay Example In the enormous modern plants, where heaps of individuals from various associations had been utilized, there it was discovered that at any rate twenty stewards were speaking to different divisions (Glascott, 19710). Salamon’s explanation is likewise indispensable in this regard. He expressed â€Å"The job would in general move away from being an inactive watchman of the union’s aggregate understandings haggled at the national level to one of direct dealings with management.† The expression alludes to the British Winter of 1978-79. After 1926, this period has been set apart as the biggest stoppage of work because of the far reaching strikes. A frightful condition won in the nation around then as there was a lack of food. It had an incredible social and political effect. It prompted declining impact of the worker's organization. The enrollment of worker's guild was split. This period caused ascent of ‘Militant Tendency’. The assembling base of the Britain has been severely influenced. During this period, the base of the old work power had decreased and another workforce was developing (Conservapedia, n.d.). The root of the presence of the worker's guilds can be followed to the eighteenth century. During the period, a quick extension occurred in the mechanical society. As a result of such changes, loads of ladies, rustic specialists and kids had been associated with the workforce. The majority of them were un-gifted or semi-talented work. This pool of works unexpectedly sorted out and at the later stage created and established worker's guilds. As per Smith, associations were not lawful in the greater part of the nations. For endeavoring to sort out and create associations, the pioneers confronted extreme punishments. Notwithstanding this, the associations were shaped to secure political forces. It brought about assortment of work law which not just classified the relationship between the representatives and businesses yet in addition legitimized the sorting out exertion. In this regard it is important to make reference to that the Universal Declaration of Human

Setback, Determination, and Recovery free essay sample

I have arrived at my senior year at Culver and I have one significant objective, which appears to develop progressively troublesome as the year unfurls. To give some backround: the previous summer I worked at a polo ranch, dealing with ponies and working an outbuilding so I could get some extra an ideal opportunity to play polo. I needed to improve my riding and hammer abilities to help CB (the best player in our group), as a partner this season. I would likewise have the option to step in for him in the event that I were required. To accomplish this objective, it was dependent upon me to manufacture and improve my riding abilities on the off chance that I sought to turn into an extraordinary player at Culver. I understood this would not be simple, yet I accepted that working all late spring would have the effect. Shockingly destiny crossed my way with obliterating news for my polo profession and my expectations. Late in the mid year I participate on a pleasant polo match-up whose re ason for existing was to practice the ponies, I was there in a matter of moments since I took advantage of each lucky break to play. We will compose a custom article test on Difficulty, Determination, and Recovery or on the other hand any comparable theme explicitly for you Don't WasteYour Time Recruit WRITER Just 13.90/page Partially through this game I was pushed off my pony and had a significant merciless fall that would take into account no leniency on my body. Well things being what they are, in the wake of completing the mid year at the homestead, I would come back to Cleveland with many back torments which I knew had originated from my fall over the mid year. Well I had come to discover, after what appeared a huge number of x-beams, I had built up a pressure break in my L4 vertebrate which was undesirable for somebody of my age to have. So since I need to wear a defensive support on my back for the following couple of months, I had lost trust in my polo vocation, however in the wake of conversing with my companions who just gave consolation and my mentors who recognized what I was experiencing, I had started to recover trust in my circumstance and realized that possibly in the end I could be ready to take care of business, assisting CB on the field. I have gone to the exercise center and begun doi ng active recuperation for my back and realized that in the event that I buckle down enough at it, I could possibly I could accelerate the procedure of this entire back issue. Despite the fact that individuals have revealed to me that it couldn’t’ occur, who are they to remove my expectation, how might they put themselves in that position to pass judgment on my status and stamp a â€Å"done† on my fore head. I realized that as long as I could ingrain trust in myself, at that point there was nothing that I couldn’t do. It is currently December and the specialist said that on the off chance that I keep on wearing the support and on the off chance that I keep on working with the physical advisor, at that point I could be mended by January third, which unintentionally is my birthday, so I am seeking after this to be probably the best present. I make a stride fresh and look in on my circumstance, and I realize that my chances are not extraordinary for me to mend as quick as the specialist stated, yet I realize that there is that opportunity, and with it I will do completely everything that I can. I have heard such a significant number of expectation stories and I regularly ponder internally â€Å"why couldn’t that happen to me?† and that is what is keeping my on target and concentrated on this procedure of redeveloping my back quality and turning into that polo player that I imagined over the late spring.

Should all organisations consider their brand as an employer Essay - 1

Should all associations think about their image as a business - Essay Example to build up brand as a business as such practices upgrade the incentive of the business that is reflected in their business activities (Kashyap and Rangnekar, 2014). So as to support visit monetary and budgetary unrest in the unpredictable business condition, an association needs to have applicable human resources with innovative and social capabilities. As the procedure of business marking includes broad research of inner and outside condition to comprehend the specific situation of the business in the market, deciding further essential activity plan for satisfying the hole in the apparent picture of the business among the objective gathering gets simpler (Newell, 2005). Consequently, the association gets a chance to convey its employers’ offer (EVP) and territories of progress as indicated by the exploration bring about the market portion to be seen as one of the particular managers in its zone of tasks (Edwards, 2012). With a journey to be a piece of good hierarchical condition, which is extremely rare in the corporate world, potential applicants are happy to put less accentuation on fiscal advantages in the event that they see long haul vocation possibilities, sound qualities and social practices in an association (Saini, Rai and Chaudhary, 2014). Thus, appropriation of manager marking serves business condition in two different ways. The association gets a simple access to aptitude improved pool of contender for filling the hierarchical need in an effective way and the competitors likewise gets a chance to practice their current gifts in the authoritative structure (Grã ¼newã ¤lder, 2008). Additionally, universal portability of gifted workforce and age-old aptitudes of the maturing faculty has likewise required associations to make a business brand to hold and draw in the best abilities for improving business execution in the up and coming future (Kupfernagel, 2009). Scientists have demonstrated that practically 69% of the Americans like to be

Ragtime Essays - Ragtime, Harry Houdini, Makers, Escapology

Jazz In the great E.L. Doctorow tale, Ragtime, we see the juxtaposition of numerous themes to speak to Doctorow's perspective on the early century. By consolidating history and fiction Doctorow permits himself to compose a semi-precise understanding of the mid 1900's while likewise having the option to firmly communicate his own predispositions and assessments of the time. The greatest, and maybe most significant subject Doctorow applies in the novel is social pressure, or the clash of the rich versus poor people. Other significant topics incorporate resurrection, racial strain, and high haphazardness of occasions. By utilizing these subjects and others, film producers made a film, which they accept best speaks to Doctorow's perspectives. It is evident that Doctorow obviously favors poor people, lower class, in their battle for monetary and social versatility against the couple of, rich, privileged residents. Doctorow's considerations are best delineated through the novel's characters. Tateh, Coalhouse Walker and Sarah are for the most part characters who are depicted as ?acceptable'. These characters, while speaking to a wide scope of financial achievement, all represent socially tested people. All through the novel, Doctorow consistently picks these or comparative sorts of characters to be the heroes. Doctorow needs the peruser to feel for Coalhouse's circumstance. He needs the peruser to trust that Willie Conklin is hurt and the Model T Ford is fixed. Then again, Doctorow tells an alternate story for the financial first class, more elite class of society, spoke to by J.P. Morgan and Henry Ford. Morgan is introduced as a grandiose elderly person, who consistently gets his direction, and we should feel no regret for him when his exhibition hall is broken int! o. We, the perusers, are slanted to concur with Doctorow's sentiment simply because that is the manner in which he arranged it. Doctorow didn't address any negative parts of Coalhouse Walker's activities, for example, honest fire fighters that he executed, and their families, maybe, in light of the fact that this may influence the peruser's conviction with respect to Coalhouse's blamelessness. The film, Ragtime, supports Doctorow's social pressure convictions, anyway it leaves more things open for the peruser to choose. For instance the book gives the feeling that Coalhouse is executing the bigot terrible fire fighters. The film gives him shooting and exploding fire fighters, who maybe could be ?acceptable' individuals. The idea of resurrection is utilized generously by Doctorow. Doctorow generally has a character experience a significant transmogrification, or resurrection. This resurrection usually happens while moving starting with one social class then onto the next. Tateh, Houdini, Coalhouse, and mother's more youthful sibling and unmistakably are instances of these resurrections. When Tateh goes from being a poor road vendor to a rich film producer, he experiences a change. Tateh begins dressing and acting a ton in an unexpected way, maybe additionally overlooking his Jewish legacy and 5000 years of mistreatment. Houdini's adjustment is more noteworthy than Tateh's. Houdini goes from a not all that wealthy family to a rich and well known slick person. Through this social change, Houdini changes his Jewish name Erich Weiss to a progressively fitting Christian name of Harry Houdini. Just as changing his name, Houdini likewise appeared to overlook his experience. In any case, later in the novel w e discover that Houdini did in truth not overlook his legacy. He just cha! nged his name as a lifelong move. Coalhouse Walker's resurrection is substantially more emotional and quick than Tateh's or Houdini's. Coalhouse goes from a fine upstanding resident to a disappointed man, got toward the finish of a bigot trick, and out for retribution. At a certain point, He plunked down with a sheet behind him and allowed one of the youngsters to shave his head and his perfect mustache. The adjustment in him was striking, (). This emblematic and genuine resurrection happens as Coalhouse moves from being a well off noticeable performer to an outlaw on the run. Mother's more youthful sibling additionally experiences a resurrection. His resurrection includes going from a well off family to an outlaw group. In light of this social change, Doctorow has mother's more youthful sibling experience a resurrection also. This was as him placing dark cosmetics all over to fit in with Coalhouse's dark group. Every one of the four of these models express Doctorow's supposition tha t so as to experience a social change, one must go

buy custom Contract Law essay

purchase custom Contract Law exposition Question 1 (Martinas defective racquet strings) In contract law, the issue of the merchant selling an inadequate thing with clear aim is culpable through the person in question paying for the harms to the customer. Martina confided in the racquets master that he will offer her phenomenal strings to empower her play and dominate the match. In any case, after some time, the strings broke during the time spent playing making her not to arrive at the finals. All supports worth $20000 left in light of flawed racquet strings. Under inferred warrant in contract law, there is an express view to forestall or moderate double dealing and misrepresentation to cause people to be reasonable in their dealings, frankly, and to be upstanding in the entirety of their exchanges. Matrina entered in to a unique agreement with the racquets master in Melbourne that she ought to be given top notch strings for her racquet, however she later perceived that the strings never had characteristics she needed. As per contract law, if regardless the unique agreement has been practiced for the deal and additionally acquisition of products of specific highlights, quality and depiction, and that specific great doesn't depict a similar portrayal as those specified by the seller, or anticipated, or consented to be sold, the purchaser has a privilege to restore the flawed gear, yet to be given remuneration concerning the issue of being sold a defective hardware. All the remuneration expressed for this situation isn't constrained to the cost of the thing the individual purchased, however it should, be comprehensive of the considerable number of costs the purchaser collected in meeting the buy and those expenses and costs, which straightforwardly connection to the acquisition of that item. Matrina should be made up for her movement costs, her relinquished token, the settlement costs, preparing for title expenses and loss of support charges, and disillusionment expenses. On the off chance that the buyer, notwithstanding, fails to restore the flawed items she has purchased inside the specified period, another agreement will emerge by the full ramifications of law, very surprising from, and absolutely autonomous of, the past understanding, and the individual who has gotten and willing completely holds that merchandise is straightforwardly subject upon what is known as a quantum meruit to pay for the assumed worth of the great. In the event that Matrina remains with the merchandise (racquet strings) after the seller has neglected to play out his agreement, she may recoup the estimation of these things upon the new agreement and the possible guarantee that the law at that point applies from the changed circumstance and outcomes of the gatherings. In all deals or acquisition of items, the law specifies an endeavor or a due guarantee from the vender that at no time did a terrible deal, and that he had no commitment to make the agreement of offer he had purport to make. Peto versus Sharp edges case shows that if the dealer purposely or deliberately sold flawed merchandise, he is qualified for reimburse the purchaser against the harm he had just continued. This harm is comprehensive of loss of underwriting expenses, disillusionment and misery, voyaging expenses and convenience costs. On the off chance that Matrina was perceptive of the imperfection in the strings, really lessening the estimation of the said thing, the low has a commitment to complete a divulgence thereof to the planned purchaser, and advising peacefully the reality of substance, which required in most extreme great confidence be made known, and is proportional, parents in law consideration to a legitimate express portrayal or even guarantee (Hill versus Gary). On the off chance that for instance, a taverner sold wine realizing that the wine is degenerate, to a purchaser as a decent wine, in spite of the fact that he impliedly communicated to warrant it all things considered, yet a specific activity indicated that he lied, he is legally necessary to repay the purchaser. Additionally, if the dealer offers a bit of fabric to the purchaser, realizing that the material isn't in acceptable condition, he is liable for remunerating the purchaser (Atkinson versus Chime ). To legitimize that Matrina is at risk for full pay, we think about the instance of Southern versus Howe. It expresses that if an individual sold a pony with no eye, no legitimate activity against him since the purchaser previously saw that the pony needed one eye. Yet, on the off chance that the merchant fixes a fake eye to draw the purchaser in to accepting that the pony has the two eyes and later discovers that undoubtedly the other eye is fake, the dealer is at risk to remunerate the purchaser for such activities. In this manner, the racquet master in Melbourne has a commitment to repay Matrina to the degree of having suggested with the states of the agreement. A few times it is feasible for the purchaser to whine that he never knew about the imperfections presence. He should, in this way, evidence what he did was not purposeful by uncovering different deals of similar things he had offered to different customers, that in fact they were not imperfect. In the event that Matrina consents to in the long run take the deal issues with all issues, there exists a ramifications of one piece of the racquet vendor to depend on no gadget or probability to cover any abandon. The merchant ought to uncover that to be sure he sold inadequate strings and that he is subject to properly repay the purchaser. The condition to be taken comprehensive everything being equal and fakes, don't completely imply that the thing to be embraced with every single existing extortion, and henceforth, the dealer won't be permitted to introduce himself of it on the off chance that he chooses to depend on any cunning, or utilizes bogus portrayal, with the expectation of persua ding the buyer to disregard the agreement of offer. Inadequate things sold have unfriendly ramifications, which will cost the purchaser a great deal, subsequently, all the weight of pay lies straightforwardly on the merchant who sold the damaged merchandise. Question 2 (The instance of Jilna and Lee) On the off chance that an agreement has been made and on account of some explanation, the other party can't play out their commitment, at that point this establishes dissatisfaction. Jilna appears not to have perused the rent understanding letter appropriately, as she feels that the rent was just running for one year, yet the letter demonstrated it was running for a long time. This baffles Lee such a great amount of as a result of the complexity with the agreement. Jilna considers it to be not, at this point workable for her to proceed with her bike producing business as a result of street blockage, which has made gracefully of materials to her processing plant deadened. Moreover, the streets division has disclosed to her that it will take three months for all the trees obstructing the street to be evacuated. Thusly, she won't have the option to produce her bikes, inferring that she won't have the option to make any deal. This could be justifiable that she wont have the option to pay any lease, however the agreement she made is official. Disappointment concerns the resulting inconceivability. In the event that the agreement seemed, by all accounts, to be incomprehensible from the beginning, the issue will be the mix-up however not comprising disappointment. Jilna should, in any case, set up with respect to whether the current circumstance has been explicitly appeared in the agreement the rent contract. This arrangement is regularly called power majeure condition. For instance , an agreement of assembling bikes utilizing Lees production line premises may state, if an industrial facility breakdown, or the outside debacles that will adversely influence the presentation of your business and henceforth, making you unfit to pay the month to month lease, occur, at that point this will happen This condition should be finished and ought to specify explicit risk(s). Since there is no power majeure provision in Jilna and Lees contract, there are different disappointments that are built up in the event that laws. Happening wrong doing specifies that promptly the agreement was made, another law or another event has made it illicit for the agreement to be completed. The best case of the case law is Avery versus Bowden (1856), in which a specific boat should get some particular freight at port of Odessa. With the occurance of the Crimean war, the legislature passed a standard that is illicit to stack the boat at the adversaries port. Subsequently, the boat couldn't attempt its agreement without having overstepped the law. Consequently, the agreement was disappointed. At the point when the storm fell on the land and fell the trees that obstruct the street prompting Jilnas processing plant, Jilna couldn't complete her business subsequently, baffling the agreement she made with Lee. The presentation of the agreement under this situation of happening lawlessness won't occur or will be unthinkable. The explanation is a direct result of the inevitable obliteration of the topic (production line premises). Jilna, for instance will say, I consent to pay you month to month lease, however the way to the industrial facility get blocked. This muddles the perfomance of the agreement they have both marked, however Jilna never took as much time as is needed to know to what degree the understanding was authoritative. The idea of legally binding commitment may likewise make the agreement not to act in the specified manner. An excellent model is the situation of royal celebration of King Edward VII in 1901 where the crowning ritual procedure fizzled on the grounds that the lord was sick. One individual had recruited a level so as to see the crowning ordinance however would not pay the days lease, since the current agreement had been disappointed. The court said that he was in r eality right: the entire thought of employing a room was uniquely to watch the royal celebration function, and since the service never occurred, at that point there was no need of recruiting the said room ( Krell v Henry). In any case, an agreement isn't baffled just barely in light of the fact that it has gotten extravagant or uneconomical to perform. This sort of hazard happens quickly when one goes into an agreement. The happening even, be that as it may, must be past the capacity of the two gatherings to control. Neither Jilna couldn't have had the option to keep storm from going close to her processing plant, nor was Lee ready to advise Jilna ahead of time that there could be a tropical storm cruising by, so she could be educated. As search the occasion (storm) was unforeseeable by the two gatherings (Jilna and Lee). The legitimate impacts of this dissatisfaction by the custom-based law turns into the agreement which was made naturally come

global insurance industry - Free Essay Example

1. Industry analysis This section provides a summary firstly, of the insurance industry including its long history and secondly, what is insurance and why do we need it. Thirdly, a description of the insurance industry globally including its size by value, the competitive landscape, challenges the industry faces, the regulatory environment, and the role technology plays and finally, a summary of the insurance industry in New Zealand. 3.1 What is insurance? 3.1.1 An abbreviated history Literature and indeed history dates the concept of insurance as far back as the early to middle Bronze Age, 3rd millennium BC. Chinese merchants would spread their cargo across a number of ships to limit the loss due to any single ship capsizing. Then about 2250 B.C., Hammurabi the King of Babylon, developed a system called the Code of Hammurabi, where a merchant received a loan to fund his shipment; he would also pay the lender a further amount in exchange for the lenders promise to cancel the loan if his shipment was stolen (C F Trenerry, 1926; King, 2004; Wikipedia, 2009). Sometime around 600 A.D. the Greeks and Romans introduced the concept of health and life insurance. This was through the establishment of benevolent societies whose purpose was to care for families and funeral expenses of its members on death. In 1688 Edward Lloyd opened a coffee house with the express purpose of providing a reliable source of shipping news. This became later named Lloyds of London, the pla ce where underwriters wrote insurance policies thereby starting the modern concept that we now understand of insuring risk. 3.1.2 Definition of insurance Insurance is a form of protection against financial loss which arises from unexpected events. Insurance companies collect premiums to provide for this protection. By paying a sum of money it safeguards you financially from regrettable events. (Getmeinsure, 2008; Investopedia ULC., 2008; My Insurance Guide, 2008; State, 2009) In New Zealand, the Insurance Council website states that Insurance hedges against the unknown and random events (ICNZ, 2009a). Depending on the company and the type of insurance required, insurance is defined as a contract between insurers (Insurance Reinsurance companies) who undertake in exchange for premiums, to pay the insured (Insurance companies and their customers) a fixed amount of money if certain events happen (Investment Savings Insurance Association, 2009; Investopedia ULC., 2008). The type of insurance cover required to help protect varies from company to company but may include: Boat Car Caravan and trailer Commercial Health Home Life Motorcycle Reinsurance Travel This case study refers to reinsurance as the way in which insurance companies protect or insure themselves with other larger insurance companies against the risk of loss caused by major catastrophes such as hurricanes, earthquakes, class action lawsuits, collisions (significant in size such as between ships or trains), extensive diseases or sickness and death caused by pandemics.(Investment Savings Insurance Association, 2009; Swiss Re, 2004) 3.2 The insurance industry, globally 3.2.1 Sector size To measure the enormity of the insurance sector, in 2004, globally insurance premiums totalled in excess of USD$3,300 billion for both life and non-life insurance (Figure 7: Global multi-line insurance market value). With annual growth rates ranging between 2 and 10% (Stanley St Labs., 2009). Multi-line insurers, those with diversified interests in life, health, property medical insurance, in 2008 accounted for premiums of USD$3,888.6 billion making insurance one of the largest financial sectors (Figure 8: Global multi-line insurance market). The major insurance markets are in the US, Europe, Japan, and South Korea with a growing number of emerging markets that include India, China, and Latin America. As a result, the four major markets, comprising 7% of the worlds population, accounted for almost two-thirds of premiums for 2004, while remaining or emerging markets, 85% of the worlds population, accounted for only 10% of all premiums (Figure 9: Global multi-line insurance marke t) (Insurance Information Institute, 2008). 3.2.2 Competitive landscape Most industrialised countries recognise that markets operate best under competitive conditions. When markets are left to their own destiny, failure may occur due to personal interest and personal advantage, as much as diverse market conditions. In the United States the Sherman Act of 1890 was enacted to enhance antitrust laws. This has been amended over the last 120 year but still maintains the principles it was founded on. Most countries are now reproducing the United States law and developing similar antitrust legislation to prevent monopolistic practices, though attitudes differ in East Asia where it is well known that Hong Kong and Singapore support monopolies (Nissan, 2003; Round, 2002). The number of products and services on offer has never been better for consumers whether they are mum and dad protecting what they have built up during their lifetime to shareholders wanting to preserve their investments. Each has its own risk but isnt that what insurance is about; managing risk. The insurance information is consumed not only by the consumers wanting to understand their risk but includes industry advisors, strategists, business owners, governance boards and shareholders, who all have a need for information or facts to support decisions they take. Since the end of 2007 the world economy has suffered from a recession; recession being a fall in Gross Domestic Product (GDP) for at least two consecutive quarters (Amadeo, 2009; BBC News, 2008). It has been debated that either in the United States where higher mortgage rates coupled with declining house prices caught out homeowners (Amadeo, 2009; Stanley St Labs., 2009) or global triple digit oil prices are to blame (Hamilton, 2009; Rubin Buchanan, 2008; Schneider, 2008). Higher mortgage rates coupled with declining house prices forced banks to reassess their risks and stopped lending to each other. This in turn led to significant government bailouts, bankruptcies or government nationalisation o f Bear Stearns, AIG, Fannie Mae, Freddie Mac, IndyMac Bank, and Washington Mutual. As a result employment in the US was declining faster than in the recession of 2001 (Amadeo, 2009). On the other side, ongoing crisis in the financial markets are masking what is taking place in the oil industry. Oil stocks have risen uncontrollably, in some case over 500% since 1973, which caused the recession in the 1980s (Rubin Buchanan, 2008; Schneider, 2008). Figure 10: US long leading index below is a cyclical indicator of US business cycles. The indicator is used to anticipate and monitor economic consistently. It is made up of by measuring a combination of employment, manufacturing, services, construction, trade balance, imports, exports, and future inflation (Banerji Hiris, 2001). Whichever is the cause of the current recession, the world has been suffering two significant problems since 2007; global recession and a global credit crisis. Given these circumstances, insurance tren ds are on the increase due in part to greater take-up of high-speed communication between companies and individuals. Consumers of products are now able to purchase insurance and financial products not only through traditional means but online and over the phone from almost anywhere in the world. Increasing affluence, especially in developing countries, and a rising understanding of the need to protect wealth and human capital has led to significant growth in the insurance industry. (Stanley St Labs., 2009) 3.2.3 Challenges for the insurance industry The insurance industry has faced and continues to faces numerous challenges (Deloitte, 2008, 2009). The share variety of challenges makes it difficult to include all challenges in this case study. The following sections highlight key challenges facing the insurance industry where technology particularly IdM has an impact. Malware/phishing/identity thief Organised crime is using sophisticated malware attacks to write malicious code on systems to watch and record users personal information (Huntington, 2006; Seltsikas, 2005). Crime syndicates using elaborate toolkits conduct phishing attacks (identity thief) and keyboard logging attacks using both hardware and software devices at the same time. Huntington recommends nine levels of defence that form a layered identity strategy to mitigate risk of attack. Appendix 6: Challenges in insurance. IdM will be the key to legitimate data access providing, at every point, strong underlying infrastructure (Bosworth, et al., 2005; Seltsikas, 2005). Money laundering The Societys Audit Manager indicated that possibly the next big conspiracy in the insurance industry was money laundering. This he bases on the terrorism threat to economies such as New Zealand where it may seem easier in a small country to get away moving money between accounts. The practice of IdM, in particular identity verification, is one technique used to monitor exactly who is accessing an account and could tell if those on watch lists for suspicious financial activities have assess to your systems. Reports using watch lists provide organisations such as Interpol with information to help monitor the activities of known terrorist. Preceding and next generations As new generations enter the work force they bring with it new challenges that are undoubtedly different from previous generations (Nana, 2009). There is also a change in the control of power shifting from employer to employee. As an example, The Chubb Corporation offered staff flexible work schedules. The outcome was 18% increase in the number of casualty claims, 4% increase in payments processed within 24 hours, 40% decrease in overtime hours. In a number of cases IdM concepts were responsible Chubbs increases. Flexible working arrangements meant that staff were able to work from home, hot desk at a branch or in the Head Office, and link to authorised systems. Chubbs IdM system provisioned/de-provisioned staff, provided role-based access to systems, and provided self management for minor IT issues such as password resets and system lockouts. Privacy security Famous psychologist Abraham Maslow termed the phrase next to survival comes safety and security' (Vishakeb, 2008). In 2008 the Lloyds bank introduced follow me technology which provides the ability for employees to print from any technical device with enhanced security. This was due to Lloyds Corporation ID pass which released print jobs once their identity was verified (Lloyds, 2008). Sarbanes-Oxley Act A United States federal law enacted on July 30 2002 as a reaction to a number of major corporate and accounting scandals As companies exhibit tighter control over their practices, IdM elements play a key role in providing companies with greater auditing capabilities through ensuring security policies are built into the IdM solution, reduce risk through automation, strengthen system access by way of identity verification, and the provisioning and de-provisioning of users accounts. This last point ensures each identity is provisioned the right access, to the right system, at the right time. Working within regulatory and compliance frameworks Insurance for long periods has been self-regulating but negative events over the last 25-30 years, such as fraud, money laundering, and poor standards and ethics, have evoked governments to regulate the industry to the point that the industry must now work within stringent regulatory and compliance frameworks. Auditors often cannot take into account all aspects to the business, unless significant issues are prevalent, and rely on the company to be honest and disclose areas of potential risk. IdM plays a significant role in providing Auditors additional reporting tools to examine transaction logging in applications and systems. 3.2.4 Regulatory environment There are good reasons that insurance has, historically, been subject to regulation. The most obvious one is that a consumer pays money today for a promise that may not be deliverable for years. That promise must be secured from many threats, including insolvency and dishonesty. (Hunter, 2003) Each country has their own range of regulations, standards and guidelines for insurance companies. International regulations are becoming more commonplace as insurance companies open international subsidiaries to leverage their competitive products and services. Two recent additions to regulatory compliance within the European Union (EU) over the last 5 years have been Solvency II, an updated regulatory requirement for insurance companies operating in the EU, is designed to facilitate developing a single-market for insurance across Europe. From a United States standpoint, changes to accounting practices through International Financial Reporting Standards (IFRS) are designed to develo p international standards for financial reporting (IFRS, 2008a, 2008b). These two standards have caused insurance companies to question the validity and assumption that the new standards undermine business profitability. 3.2.5 The role of technology One of the greatest technological impacts and challenges to the insurance industry over the past 15 years has been the adoption of the Internet, and in particular e-commerce. Market forces dictate that every insurance business should an online presence. In the Internets infancy customers accepted that brochureware websites gave all the necessary information without the ability to purchase products or services. That has significantly challenged insurance companies in recent years to the point that if they cannot provide what now are the basics, online forms, calculators, detailed and comparative information, then customers turn to the next company that can support their need for information (Aarabi Bromideh, 2006; Yao, 2004). Technologies and innovative approaches to business are moving at such a pace that companies are finding it difficult to keep up with legal implications. For example, nanotechnology and the risks posed by it remains unpredictable (Lloyds, 2008). Its not j ust the use of information that insurance companies find difficult to maintain, but the risks placed on the information technology infrastructure remains key in most companys minds. With the amount of data, companies are moving to leasing or building their own large-scale datacentres and warehouses to support their capacity concerns for storage. For most insurance companies the industry is very much reliant on manual processes. Automation and expert systems play a significant role for larger companies where premiums can cover the cost of developing these complex systems by relying on statistical accuracy, particularly in the field of underwriting. For small to medium sized companies (SME) automation is less attractive as the returns in most cases do not cover the costs (Kelly, 2002; Whitney, 2001). The role of technology is not only consumed by companies but in itself can lead to large claims as Lloyds state in their 2008 report for 2007. there was a series of single event losses that were significant in size and frequency. Man-made and technological catastrophes caused around US$7bn in insured losses last year, some 46% higher than the annual average of US$4.8bn. Nineteen events across 11 countries resulted in insured losses ranging from US$80m to nearly US$2bn each. (Lloyds, 2008) Weve identified a small number of technologies that play a role and have an impact in the insurance industry. This by no means rules out other technologies as each plays their role in defining and providing a competitive edge for insurance companies. In saying that, employees will not replace technology anytime soon for two reasons. The majority of the market still want some level of human interaction where purchasing a product or service, and secondly, most commercial products, at this time, are too complex to be sold without an advisor or broker (Kelly, 2002). 3.3 The insurance industry, locally In New Zealand, MED (Ministry of Economic Development, 2009a) depicts the industry as being a small market by world standards dominated by international subsidiaries for life and general, with mainly local companies for health insurance with Southern Cross, the largest of these, holding 70% of the market. As at October 2007 there were 42 life insurance companies offering policies in New Zealand and 134 registered Non Life Insurance Companies, Brokers and Captives with total gross premiums of nearly $4 billion to October 2007. These companies are regulated under New Zealand laws and depending on the types of insurances sold comply with a number of acts: Life Insurance Act 1908 Insurance Companies Deposits Act 1953 Insurance (Ratings Inspections) Act 1994 Superannuation Schemes Act 1989 Accident Insurance Act 1998 Financial Reporting Act 1993 Insurance Companies Deposits Act 1953 Friendly Societies and Credit Unions Act 1982 Securities Act 1978 Since 2008, disaster and general insurers offering policies in New Zealand have been required to be rated by one of the following three agencies; AM Best, Standard Poors and Fitch Ratings. This rating is designed to provide a measure of a companys ability to meet its claims payment obligations to customers. 3.3.1 Competitive landscape New Zealand insurance and finance industry, in which the Society operates, are currently experiencing a recession of such enormity not felt since the Great Depression of 1938. Some of the more experienced and long-standing organisations with large customer-bases are finding it difficult to weather the recession if it last much longer as they experience a drop-off in premiums and a surge in claims. As a result reinsures are charging more to cover the affects. New Zealand companies role in the insurance industry globally is less significant than with larger nations, but it still plays a major role to support the local market. In the Tower Market Review (2008, p. 1) to the end of Dec 2008 stated that: 2008 will go down in history as one of the most dramatic years the markets have ever experienced. By the end of the year, turmoil in the credit and equity markets was feeding through to the real economy, with authorities worldwide trying to avert a prolonged recession. 3.3.2 Challenges New Zealand faces many of the same challenges as other countries do due to the fact that all major insurance companies operating here are international subsidiaries. The challenges for smaller companies is maintaining their customer base as most smaller companies target specific niche markets such as the Society and medical professionals. 3.3.3 Regulatory environment Insurance companies are not immune to facing regulations that protect but the cost to comply ends up costing the consumer. New Zealand is one of the less regulated counties in the world when it comes to insurance and finance. This is due in part to the New Zealand Insurance Council and its self-regulatory framework (Table 6: Insurance Councils self-regulatory framework) and self-developed guidelines (ICNZ, 2009b). This seems to work in New Zealand as our cultural differences, compared to most other countries, relies on companies being fair and providing that helping hand due to our small population size and geographic location. With the work ICNZ undertakes, bear in mind the government acts identified previously. IFRS (International Financial Reporting Standards) will become a requirement for all New Zealand reporting entities, including insurance companies, with financial years commencing on or after 1 January 2007 (KPMG, 2009). Joanna Perry, KPMG Partner and Chairman of the Financial Reporting Standards Board states that: The transition of New Zealand business to International Financial Reporting Standards is without doubt one of the most significant accounting events in our countrys history. The impact of IFRS on New Zealand insurance companies means customers should see transparency in companies reporting results, providing greater levels of confidence. For insurance companies this means increased complexity with greater care to be taken when providing advice and being transparent to customers. 3.3.4 The role of technology As described in 3.2.5, the role of technology, New Zealand is not immune from those observations. There impact is felt in New Zealand probably more so given our physical remoteness in the world relative to international markets. New Zealand is strongly dependent on its communication technology links such as the Southern Cross Cable for access to compete with the rest of the world without significant time delay or restrictions that other modes of communication possess. New Zealand is more likely to be able to compete successfully in global markets by developing strengths in the weightless economy the weightless economy includes adding more knowledge-based value (Skilling, 2009) As the Internet has developed and expanded globally, New Zealand has attempted to make the most of it by incorporating new business models accorded by the Internet into mainstream business (Skilling, 2007; Skilling Boven, 2007). This has allowed for greater competition and influence from intern ational insurance companies, which once may have ignored New Zealand due to its remoteness, to deal directly with rather than through 3rd party brokers and advisors. The governments broadband investment proposal, in which ultra-fast broadband is to be rolled-out to 75% of New Zealanders over the next six years, has been accepted as an extremely positive move (Ministry of Economic Development, 2009b; The New Zealand Institute, 2009). This affords New Zealand insurance companies the ability to compete, be more innovative, and provide technology solutions to customers yet to be discovered. In parts of Asia, Europe and the United States, broadband connectivity is so fast that the time for customers to get the right information to make informed decisions has shortened allowing those insurance companies with innovative solutions to attract the customer before lesser insurance companies. 3.4 Summary Technology plays an extremely important role within the insurance industry. The examples contained within this chapter contain a narrow view into what others are doing at this time. The ability for New Zealand insurance companies to compete in these markets requires them to adapt solutions, business models, technology and to innovate to the point where it still may not make that big a difference to policy holders. What will make the difference is being able to offer targeted products and services to consumers. New Zealand has the potential to select the best products and services based on experiences from other insurance companies; it can rely to a larger extent on the diversification of global companies to leverage and find the best for its consumers. This requires knowing the its environment which markets offer the best rage of solutions (rates, product and technical expertise), regulatory opportunities to ensure New Zealand companies do not suffer from monolithic pract ices or legal infringements, industry and financial trends that provide realistic views in forecasting for harder times, and the myriad of other challenges that the industry faces.

Short Article Reveals the Undeniable Facts About Narrative Descriptive Essay Samples and How It Can Affect You

Short Article Reveals the Undeniable Facts About Narrative Descriptive Essay Samples and How It Can Affect You Lies You've Been Told About Narrative Descriptive Essay Samples You don't want your reader picking up the dictionary every 2 seconds to look at the significance of an intricate word thereby missing from the attractiveness of the job. The usage of hyperbole creates an exaggeration and on occasion a comic relief. There are various kinds of words. Sarcasm is an intriguing technique only the most suitable selection of words can bring to life. The conclusion is just as vital as the other sections. You may also consider introducing the experience in the very first paragraph but delaying your expression of the importance of the experience until the close of the essay. Also, it's the last phase of the writing. By comparison, the very first person has been frowned upon in academic writing. Every time that you are requested to tell a story you're predicted to develop new, fresh ideas. With good work of imagination, it's quite easy to produce plot ideas. You simply sit and can't come up with the concept of what things to write. The principal idea of all of the criticism is to give an opinion both of positive or negative implication. Subsequently, essay was defined in a number of ways. Essays are available in many forms. The essay defines a particular perspective. Ultimately, always make certain to edit your own personal narrative essay before you submit it! Narratives are geared toward telling about yourself. Narrative essays serve broad array of purposes. They are actually pretty fun to write. Completing a paper may be a time-consuming practice. Students are requested to explain, comment on, or assess a subject of study in the shape of an essay. You only ought to describe the events and other details that may help your reader get a complete comprehension of your idea. When you disclose information at the start, your audience will get to realize the central idea deeper. Try to keep in mind that the information that you present is the sole information your readers have about the experiences. Essentially, a plot is all the big events of a story working with each other to give it a point. Consider the sequence of events and don't forget, no detail is too tiny. Remember you should use vivid and specific particulars. The beginning details offer a framework to turn your storytelling powerful and meaningful. Narrative Descriptive Essay Samples - What Is It? When you compose a narrative essay, you're telling a story. Telling a story isn't always simple and telling a terrific story is even harder. All the details relate to the principal point the writer is trying to make. The writer is religious and her very best friend died. Narrative essays are told from a defined point of view, frequently the author's, therefore there's feeling together with specific and frequently sensory details given to find the reader involved with the elements and sequence of the story. The thought of a compelling first-person narration isn't the just one. Try to remember that although the major part of a narrative is the story, details have to be carefully selected to support, explain, and boost the story. One of the primary determinants of whether or not a story will be engaging to its readers is the caliber of detail given by the author. The Argument About Narrative Descriptive Essay Samples The principal purpose is to return permanently to regular life and standard well-being. Make certain you didn't miss any vital points. Students should determine the method by which the story begins, what the results are in the middle (where the majority of the action will take place) and the way the story ends.

Mosquito Bite Protection 10 Tips for the Forest User

There is a risk of mosquito bite every time you enter a forest or work in and around the woods. In addition to being uncomfortable, mosquito bites can cause illnesses which include several types of encephalitis, dengue and yellow fever, malaria, and West Nile virus. The actual bite comes from the female who feeds in the evening and at night. Late summertime is usually peak mosquito season but can happen any time conditions become optimal. Wet weather and high humidity during a period of warm weather rapidly increase  mosquito populations, especially where there are standing pools of water. Obviously, more insects generate more bites and a greater likelihood of the spread of disease.Annual West Nile virus outbreaks are associated with large populations of mosquitos. You do need to be aware of potential health issues in your location and be able to prevent mosquito bites. But dont worry too much. In reality, according to mosquito expert Dr. Andrew Spielman, your chances of getting a disease is one in a million. So the good news is that human illness from West Nile virus and other diseases are rare in North America, even in areas where the virus has been reported. The chance that any one person is going to become ill from a mosquito bite is low. The bad news is  if you work or play in the woods your chances for bites go up which increases your exposure to mosquito-borne disease. 10 Mosquito Bite Protection Tips Here are ten tips to help you reduce the risk of mosquito bites: Apply insect repellent containing DEET (N,N-diethyl-meta-toluamide) when youre outdoors.Wear loose fitting clothes to help prevent mosquitoes from reaching the skin and to retain less heat.Whenever possible, wear long-sleeved clothes, socks and long pants.In a forest, wear clothing that helps you blend in with the background. Mosquitoes hone in on color contrast and movement.Treat your clothes with permethrin repellents. Do not use permethrins on your skin!Avoid perfumes, colognes, fragrant hair sprays, lotions and soaps which attract mosquitoes.Reduce your risk of exposure by staying indoors during peak mosquito feeding hours (from dusk until dawn).Avoid lingering in places where mosquitoes lay their eggs. Usually, this is around standing water.Spray a pyrethrin into the air when confined to a certain outside area.Taking vitamin B, garlic, eating bananas, constructing bat houses and hanging insect zappers are not effective against mosquitoes. Natural Mosquito Repellents Some of these tips are heavily dependent on using chemicals that have been safety tested and approved for human use. Still, there are times you might prefer to use natural mosquito repellents and practices that limit insect exposure. Avoid outside activities that increase skin temperature, skin moisture, and sweating. Also avoid strong fruity or floral fragrances and clothing with extreme color contrasts. Consider using natural volatile plant oils. Oils in this category include citrus, cedar, eucalyptus and citronella. These oils can be used safely both on the skin or released as a smoke. They can be enhanced when several are used at the same time.

Should College Be The Worst Schooling Essay - 919 Words

Have you ever heard someone say The more you say something, the more people will believe it.? My dad is infamous for this quote. When we are young we hear our influences reason that college is the worst schooling we will ever have to face. The more we hear it, the more we believe it. Eventually, as we grow up, we have friends who go off to college, and they explain it s not as bad as we had imagined it to be, but the bad we’ve heard throughout our life outweighs the bit of good we might hear in the last year or two before we ourselves go off to college. We then go to college with the bad stuck in our mind. Not only that, but in attempting to protect ourselves, we close ourselves out, avoiding things that present themselves as challenges. We re in a strange place with people we don t know, concepts we don t understand, and new experiences to be had. We are afraid of how we will be accepted by those around us, we are unsure if we will be able to comprehend what it is we re bei ng told, and we feel this new ordeal is unfathomable. It s a huge difference going from high school to college, and more so as a homeschooler. My past experience in a school-like setting involved a group of us meeting once a week having our parents teach us in a small classroom setting. There were eleven total students enrolled in the high school program, and not everybody had been enrolled in the same class. The largest class consisted of eight students, and the smallest class, four. IShow MoreRelatedCollege Is An Exciting And Wonderful Time1164 Words   |  5 PagesGoing to college is an exciting and wonderful time. Not only does it teach us many things but there it has a lot to offer. Going to college is a very different experience and the challenges that go with being a college student can affect you. College is a huge step in life and many say that college will either make or break you. I believe this statement because college isn’t something that isn’t taken lig htly, this is very serious and crucial to your future and education. While there may be fun adventuresRead MoreShould College Athletes Be Paid?971 Words   |  4 PagesShould? Or Should Not? In college sports today there is an occurring issue on whether or not college athletes should be paid to play. This issue has been disputed since the NCAA was established in 1906. These athletes have made money for everybody involved with these schools, but they themselves have made nothing. The main reason these players have not acquired pay is because of the NCAA and their rules and regulations. College athletes should get paid because they are the main source of revenueRead MoreSurvival Of The Fittest : Winston Churchill1649 Words   |  7 Pagescontinue that counts.† For most students fresh out of high school, college may seem strenuous and intimidating, but by looking at it from different perspectives, it can also be one of the best learning experiences in life. By students realizing the differences between high school and college, managing their time, and staying motivated, they can be successful and prevent the worst case scenario of dropping out. Surviving college is not an easy task, but in the long run it will benefit students andRead MoreDisadvantages Of Homeschooling1426 Words   |  6 PagesHomeschooling should be considered as a viable option for educating children K-12 along with public schooling and private schooling. Homeschooling can be chosen for negative reasons, such as sheltering children or providing an easier opportunity for parental abuse. It is somewhat controversial both legally and socially with stigmas attached to it that are not always true. However, homeschooling is a form of education that has many benefits. It can provide a safe environment and be a worthwhileRead MoreEducation Empowers, Schooling Stifles Essay1307 Words   |  6 PagesEducation Empowers, Schooling Stifles Education has been the subject of some of the most heated discussions in American history. It is a key point in political platforms. It has been subject to countless attempts at reform, most recently No Child Left Behind and Common Core. Ardent supporters of institutional schools say that schools provide access to quality education that will allow the youth of our country to gain necessary skills to succeed in life. Critics take a far more cynical view. TheRead MoreEarly Classes Are Good For You881 Words   |  4 Pagesthing is early classes are good for you, especially if you are awake. early classes are good for you because they enhance productivity, the brain focuses better at an early time, and keeps the test scores peaking. Early classes seem to be the worst time for college freshman to take a class such as foreign language, but it is better for them at that time verses at a later time. The earliness of the class is what is dreaded most about the eight A.M. Many feel they would function better if they had classRead MoreWhat Makes A Good?1403 Words   |  6 Pages When going through any type of schooling everyone will experience what they will define as a â€Å"good† and a â€Å"bad† teacher. Though the definitions vary from person to person the guidelines on each seem to stay pretty consistent. It is seen throughout daily life that teachers that are experienced in real life are vastly different from what people see in all forms of media. In these medias teachers can be glamorized into something that is unachievable. Even if teachers cannot measure up to this perfectRead MoreMy Schooling Experiences Formed A Positive Outlook On American Education1666 Words   |  7 Pages My schooling experiences formed a positive outlook on American education. Throughout my schooling, I was fortunate to have the most influential teachers that assisted me into becoming who I am today. I was a student who struggled until the 8th grade. Luckily, my teachers took their time to tutor me one on one after and before school. One teacher, in particu lar, had the greatest impact on my education and is the reason why I did not give on learning. Reading and writing were my worst subjectsRead MoreCareer Paths That I Have Interest Essay1145 Words   |  5 Pageswhat is referred to as a Postsecondary teacher. A Postsecondary teacher is a teacher that is able to focus on a specific vocational subject, i.e. law Enforcement (Police Academy). This is an important factor in some types of careers, because no college course will give a person enough knowledge and understanding on how to be a successfully functioning Police Officer. The role of the Postsecondary Teacher in this career path is highly required for the success of the student, as there is no safetyRead MoreOnline Learning Is Not The Next Big Thing1279 Words   |  6 PagesThere is a continuous dispute about the true advantages of online education. Not only with college students, but younger K-12 kids too. Editor of Training and Development Magazine, Donna J Abernathy, wrote , â€Å"Online Learning is not the next big thing, it is the now big thing† (Pappas). She is referring to the advancements in technology that are here in the present, that are here to help, and are here to teach. More frequently these days, K-12 students are using online-based work. Some say submerging

Capitalism Good or Evil Essay - 1871 Words

INTRODUCTION: Along with the advance and development of the society, capitalism is acquired by lots of countries among the world. But in the meantime, an increasing number of problems are brought to our attention, one of which is the pros and cons of capitalism. As to whether it is a blessing or a curse, people take different attitudes. Capitalism can be traced back to the Middle Ages in Europe, and this economic system has been contributing to the whole human race for centuries. However, people are attaching more importance to what capitalism is really doing to us, and they start wondering if another world is possible. My paper will focus on the question â€Å"Is capitalism good or evil†, and discuss different views about it. Capitalism†¦show more content†¦American philosopher Jonathan Korman claims in his article that â€Å"Capitalism is an appealing way to try to provide for peoples essential needs because it tends to generate a lot of wealth† (Korman, Apr. 15 2005), and for capitalists, capitalism seems to be just right for them to accumulate as much profit and build their world of prosperity. But then again, Korman also indicates the dilemma that â€Å"It also tends to distribute that wealth so unevenly that you have a number of people who dont get their needs met† (Korman, Apr. 15 2005). Thus, whether capitalism is really positively influencing our society or not needs to be considered carefully. Personally, I side with the latter opinion – it is to some extent problematic. Hence, I want to start with some thoughts of David McNally. In an article of McNally called â€Å"The Invisible Hand is a Closed Fist†, he makes the statement that there has been something wrong inside capitalism in the market economy. Inequality, alienation, degradation of the environment and conflicts between individual rights and public interests are all factors that will potentially make a capitalist society unstable. And his article gives a thorough analysis on these points. Through an economic scope, McNally expounds the concept of â€Å"commodification† which is a part of globalization, and explains the fact that the process of capitalism is turning things that were originally out of a market into commodities, for instance, laborShow MoreRelatedMarxism : A Structural Conflict Theory1718 Words   |  7 Pagesbourgeoisie oppression under capitalism to a socialist and ultimately classless society. There are varying types of economic exchange that all vary dependant on the type of society and economic system the country is in. Namely these are barter, which is the exchange of gods and commodities; merchandise, bartering through the intermediary of money, and capitalism, that uses commodities in order to increase money. For Marx, the latter type of economic exchange (capitalism) is one that is based uponRead MoreThe Jungle by Upton Sinclair The story â€Å"The Jungle† by Upton Sinclair is somewhat of a declaration900 Words   |  4 PagesThe Jungle by Upton Sinclair The story â€Å"The Jungle† by Upton Sinclair is somewhat of a declaration of attention towards the matters of sociopolitical issues, capitalism, political corruption, and the depravedness of corporate personnel, corporatism, and industrialism; it inspires progressivism in its strong and thought-provoking messages and lives by its title. The story is about a recently married Lithuanian couple – Jurgis and Ona, and their ten other siblings who all come to America, as immigrantsRead MoreAnalyze Native American Societies1482 Words   |  6 Pagesholistic Native American beliefs versus dualistic world views, and in so discussing we will illuminate the reader’s knowledge about the differences in views of purity and salvation. The second important aspect is that of the economic ethic: American Capitalism versus Native American subsistence labor ethic. The reasons why these two aspects are so important in explaining change or the lack of change in Native American communities is because everything is linked to religion and the ceremonies that ensueRead MoreThe Societies Of The World1133 Words   |  5 Pagesbe hopeless and have no part in the global economy. Ultimately, Wolf understands that non-Western societies are just as intertwined into the workings of global processes and that they significantly contri bute to history and the global economy. Capitalism has been allowed to emerge as a dominant mode of production, however, Wolf challenges the notion that non-Western cultures and people were isolated and static entities before the advent of European colonialism and imperialism. Before active colonizationRead MoreAnalysis : The Tonic Of The Wilderness 911 Words   |  4 Pagesof seeing the wilderness as an essential value of the Earth is Gladys Swan. Swan clarifies Crà ¨vecÅ“ur’s message about men perceived as plants by analyzing how men have adapted and encapsulated the need of capitalism when coming to America. This need has shifted American Puritans focus on capitalism and has lost hope in valuing the land of Earth. Swan later expressing her reasoning’s through an article â€Å"The Tonic of the Wilderness† supporting that people living in the wilderness adapt to a slower paceRead MoreCapitalism Essay1175 Words   |  5 PagesCapitalism Throughout my duration in college, business has been my major area of concentration. Capitalism is the most central and consequential topic which has to do with business. The ideals of capitalism, over time, have faced much scrutiny. Many great minds within the past two centuries have discredited capitalism, for the virtues of socialism and the whole of society. It is my intent to put forth a moral justification of the ideals behind capitalism. Ayn Rand said â€Å"TheRead MoreCapitalism: A Love Story Essay1063 Words   |  5 Pagespromotes capitalism enables businesses to gain wealth at the expense of the consumer’s wealth. Ultimately this becomes a question of morality as these corporations reap the money from hardworking citizens for the purpose of greed and exploitation of the free market economy. In the film, Capitalism: A love story, the film makers use conventions and point of view to show that capitalism in America is an evil that is better replaced by democracy. Michael Moore warns everyone that promoting capitalism willRead MoreEssay on The Evil of Capitalism1061 Words   |  5 PagesThe Evil of Capitalism An obsession of any kind is usually unhealthy, but obsession with money can destroy the soul. Karl Marx believed that human activity is paralyzed by the capitalist system. To be sure, the all-encompassing passion for wealth and power is unchristian, but is all capitalism evil? If the answer were yes, then abandoning capitalism, with its central goal of profit, would seem to be an obvious solution to the social ills of mankind. Of course, eliminating capitalism isRead More Marx and the Communist Movement Essay922 Words   |  4 Pagescontroversial of stages, is known as capitalism. Here, private or corporate ownership of capital goods is determined by private decisions rather than the state. Price, production and the distribution of goods are determined mainly by competing in a free market. Lastly, the forth stage of human development, is referred to as Communism. This is a final stage of society in Marxist theory in which the state and private ownership is demolished, and econo mic goods are owned and distributed equally. InRead MoreThe Jungle By Upton Sinclair1525 Words   |  7 PagesThey poured themselves into working under the most horrendous conditions only to make a few pennies an hour and fall victims to the evil schemes of business owners and city officials. Eventually the story turns to what I believe is the most central idea of the novel. Sinclair wanted his readers to believe that socialism was the solution for the injustices of capitalism, which was to blame for the struggle of Jurgis Rudkus and so many other working-class families of the era. The remainder of this essay

John Diefenbaker The Last Old Tory Essay - 2229 Words

John Diefenbaker was the last â€Å"old Tory† to be the Prime Minister of Canada. He was a member of the Conservative Party with deep values as well as being a British loyalist who supported the Queen. Diefenbaker was also a man that was well known for not supporting anything he thought was anti- British. This sentiment was most evident when Diefenbaker criticized the Liberal’s refusal to support Britain in the Suez Canal crisis and sided with the Americans. This loyalty the Diefenbaker had to the British Commonwealth would not serve him well as Prime Minister of Canada. In 1958, Diefenbaker would win the largest majority government in Canadian history upsetting the new leader of the Liberal Party, Lester B. Pearson, who had taken over for St.†¦show more content†¦Kennedy, the President of the United States of America, which made it difficult for Canada and the United States to work together on different policies. These major events, which John Diefenbaker did not deal with effectively, caused the Prime Minister to lose the biggest majority government in Canadian history in 1963. In 1957, John Diefenbaker took the spot of the Official Opposition leader against the Liberal party who at the time was lead by St. Laurent. Diefenbaker did not support the new budget which was presented. This forced Parliament to dissolve in April of that year and have an election on June 10th. St. Laurent was extremely confident about winning the election as the Liberals had been in power since 1948. St. Laurent’s confidence was such that he did not even bother to make any recommendations to the Governor General to fill the 16 vacancies in the Senate before dissolving the government. During the election campaign Diefenbaker was portrayed to the country as a people’s person, who was honest with small town values. He was popular in the Prairie Provinces as he connected with the people. He had grown up in Saskatchewan and understood the culture o f the prairies. Three months before the election took place a census of how Canadians would vote was conducted. It showed that 46.8% of Canadians planned to vote for the Liberal party and only 38% for the Conservatives. In the next three months this would change considerably because of aShow MoreRelatedEssay on The Four Political Parties Of Canada4255 Words   |  18 Pages What is particularly interesting is that none of the latter three parties compose Her Majestys Official Opposition in the House of Commons. The Bloc Quebecois, a Quebec separatist party who only ran candidates in the province of Quebec in the last federal election in 1993, won 54 seats in that province, and claimed the title of Her Majestys Loyal Opposition over the Reform Party, who garnered only 52 seats. Because the Bloc ran candidates only in Quebec, it would be difficult to think of

Analysis of the Use of M&A Strategy

Question: ExplainAnalysis of the Use of MA Strategy. Answer: Introduction In order to gain the profitability and competitive advantages, every organisation engages in the different strategies and plans. These plans and strategies help the firms to compete in the market and develop supportive relationship with the different stakeholders to generate positive corporate image (Dor, Dynkin and Hyman, 2011). In this, the merger and acquisition strategies are effective to generate values to the organisations, which also enable them to generate more profits from the collective operations. Acquisition strategies offer various benefits to the companies such as cost cutting, large insights of market, improving in performance and creating market access for product (Lacity and Willcocks, 2015). In this concern, this report critically analyses the merger and acquisition strategy that are used by the companies in energy sector during the oil price drop of 21014 to 2016. With the help of appropriate academic models, this report also discusses the challenges and benefits of merger and acquisition strategy with the examples of energy sector companies. Analysis of the Use of MA Strategy In recent years, the strategy of merger and acquisition has gained lot of popularity in order to capture the market of other companies in the respective fields. It is analysed that in the energy sector, there are many companies that use this strategy to meet the needs and demands of customers and achieve profitability and growth. During the oil price drop of 2014 to 2016, the energy companies used MA strategies to strengthen their competitive position. It is because due to drop in oil price, merger companies enabled to not to overpay the money at the time of merger and acquisition activity (Deloitte, 2016). It helped the companies to save their money on merger. It is found that in the global energy sector, the volatility in the oil price levels influenced most of the aspects of industrys performance. It is because due to volatility in oil price, the actual profitability figures of oil and gas companies has come, which made the MA activities more effective during the oil price drop of 2014 to 2016 (Bertocco, Keuer and Milisavljevic, 2015). For example, in the merger and acquisition between Sabine Oil gas and Forest Oil Corporation, Sabine Oil and Gas Company merged with Forest Oil Corporation. It helped both the firms to capture the market area as well as assets to increase the profitability. Through this, both the organisations have also enabled to develop the internal strengths to capture new market opportunities in effective ways (Business Wire, 2014). It is analysed that during the year of 2104 to 2106, the low oil price distressed the oil and gas companies. It also generated the wave of merger and acquisition as most of the companies wants to recover their price due to loss by the low price of oil. In this, the merger and acquisition strategy helped the oil and gas companies to provide benefits to the shareholders and enhance the effectiveness and success of merger in the energy sector (Scheck and Raice, 2014). Along with this, it is also identified that merger firms effectively used the merger and acquisition strategy during the oil price drop of 2014 and 2016 in terms of establishing defensive mergers. As per the PEST model, there are various factors that influence the merger strategies of oil and gas companies. In this economic factor is one of the external factors that affect the merger strategies (Chorafas, 2016). For example, during the low oil price of 2014 to 2106, in the merger between Shell and BG Group, due to demonstration of decreasing in oil price, the firm decreased the value of its oil and gas assets by nearly 6bn. At the same time, Shell also announced to cut its spending by approx 10bn for the next three years (BBC News, 2015). It helped the new merger to gain effective profits and remain competitive in the crisis situation. In support of this, it is also identified that during the low oil price of 2014 to 2016, the oil and gas companies also used the MA strategies to develop the strength in terms of enhancing the product and service portfolio. Through this, the companies also enabled to provide greater values to the customers that also supported them to increase profitability during the low oil price period (Gomes, Weberand Brown, 2011). On the other hand, it is also analysed that at the time of sharp decline in the oil price, the weaknesses of oil and gas companies in merger and acquisition also has emerged in terms of managing the stress of balance sheet. It is because decline in the oil price negatively affected the profitability of the merged firms that also impacted on the relationship and created a reason of merger failure (Hotten, 2014). But, at the time of low oil price in the market, mergers and acquisitions were increasingly recognised as an effective way of spreading risks in both upstream and downstream functions. It also helped the companies to cut their costs and achieve economies of scale (Dor, Dynkin and Hyman, 2011). For example, at the time of depressed oil price, the merger of BP and Amoco helped the oil industry to provide more effective products and services. In this, the firm announced to operate in all the industry segments, manage more than 130 business units in more than 100 countries. It also helped the merger to achieve profits and competitive advantages (Gomes, Weber and Brown, 2011). According to Chon (2012), the growth strategy model indicates that strategic acquisition is effective for the companies to follow the strategy of transformation. Due to this, the companies are also enabled to mitigate the challenges that they face during the crisis situations. It also helps the firms to achieve comp etitive advantages over their competitors. In similar ways, it is analysed that during the low oil price of 2014 to 2016, the oil and gas companies effectively used the merger and acquisition strategy to mitigate the gaps and access the financial resources of each other to meet the organisational goals and objectives. For example, in the case of BP and Amoco merger, BP effectively used the resources of Amoco, which enabled the firm to hold a stronger market position in different countries that also supported the firm to achieve competitive advantages in the depressed oil price situations (Lacity and Willcocks, 2015). At the same time, the fall in oil price also helped the oil and gas companies to develop their relationship with the same sector companies. As per the SWOT analysis model, it is found that due to sharp fall in the oil price, global energy companies received the opportunities to expend their market in the developing countries like India and Indonesia by developing strategic partnership with the local companies. It is because expanding market in developing countries enabled the global energy companies to save their cost on RD as well as establishment of plant to explore the oil and gas from the resources (Lacalle and Parrilla, 2015). On the other hand, in the energy sector, the oil and gas companies also used the merger and acquisition strategy in order to mitigate the cash flow problems. For example, the consideration of merger of Salamander Energy by Ophir Energy was based on the cash flow problems. In this merger, corporate purchase has taken place at the bargain price, which helped the firm to force investors to exit their investment quickly and realise cash at any price (Armstrong, 2014). Due to this, the Ophir effectively resolved the cash flow problems due to fall in the global oil price. Challenges and Benefit of MA Challenges In order to accomplish merger and acquisition in the energy sector, a company faces various challenges and problems to make it successful. In the merger and acquisition process, it is the difficult task to analyse which company will stay and which will go out (Belyi, 2013). It is a major and concerning decision for the companies board of members and their equity shareholder. It is not possible for a company to go out from the market, which continuously earning good profit as well as it is also not possible for the debt bringing company to stay much time in the market. Along with this, it is also a challenging aspect to identify the proper reason behind the communication of merger and acquisition. It is because; it is difficult for a company to find out actual interest of another company behind the MA activities (Campbell and Wstmann, 2013). During the time of oil price drop of 2014 to 2016, most of the merger and acquisition companies faced the challenges related to the finance. It is because due to fall in the oil price, the companies unable to generate much finance to pay to the investors their money. It also created issues related to the failure merger strategies adopted by several companies such as AOL and Time Warner Company. According to the SWOT analysis, energy sector has many opportunities such as favourable government policies, earn high profit, minimum competition, etc. (Cartwright and Cooper, 2012). So, capital is required to take the benefits of various opportunities. In the oil and gas industry, sometimes challenges can arise in the marketing of the petroleum product, pipelines of petroleum product. An acquiring company also faces the challenges in comparing the benefits, compensation, culture, dividend, taxation, HR policies of both companies because every company have different policies regarding them. AOL and Time Warner merger is failed due to the lack fulfilment of the commitment from each side (Fu and Zhang, 2011). It is the main challenge in the merger and acquisition to complete the pre-determined commitment. It is difficult for a company to create value after the MA in the energy sector. It is because; MA activities can break the price of the oil and gas at extent level because it is possible that financial debt amount of transferred from acquired company to acquiring company (Holburn and Vanden, 2014). If the amount of debt is much higher compared to profit earning per year that time, it is difficult for an acquiring company to make the profit and overcome from debt. Often, it has been seen during the merger and acquisition, companies fail to achieve the predetermined targets. It is because; a company cannot focus on the business objective until the deal has closed. Sometimes, mismanagement also becomes the reason of the missed targets. It is difficult for the management team to manage two companies activities at the initial stage. Merger and acquisition bring up the problem of the loss of the key people in the organization. At the time of the deal, the company requires the renormalization the organizational structure and delegation of the leadership (Inkpen and Moffett, 2011). The delegation of the authority is also a critical aspect for the firm due to there is the requirement of concentration on both companies candidate. Benefits A successful MA is that which involves the focus on the both operational and cost effectiveness of the companies involved in the deal. It is an interesting aspect for the reader to enhance the knowledge on the benefits of the merger and acquisition in the energy sector. Merger and acquisition activities provide various types of benefits for the both acquired and acquiring companies. Through the MA activity an oil and gas company can pay their debt in the time of crude oil are collapsing (LaMattina, 2011). As per the SWOT analysis, it is stated that merger and acquisition provide different types of strengths to the energy sector namely strong technology development, quality human resource and large market share (Campbell and Wstmann, 2013). Similarly, during the oil price drop, the MA strategies helped the companies to receive these benefits by developing greater relationship with each other. The taxation is also a benefit for the acquiring company in the merger and acquisition activi ties. It is because, the government provides taxation reduction in the merger and acquisition activities that leads to the decline in the tax liabilities. In the energy sector, if a company acquires another country companies that time acquiring company, which helps the companies to save their costs. During the oil price drop, the MA in the oil and gas industry also helped the firms to achieve economic of scale. A major example of the economies of scale involves Sabine Oil gas and Forest Oil Corporation in which the new merger enabled to reduce the cost of its production by using the valuable resources of both the companies. Acquiring a company in the same industry is increased the production level with more efficiency in the production. In the energy sector, MA is a most appropriate way of the expanding their business at the large scale (Rothaermel, 2015). Through the merger and acquisition, a firm can take advantage of the market opportunities. It also reduces the competition in the market and helpful for a company that wants to enter the new market. Merger and acquisition provide higher market share to an oil and gas industry for conducting business activities. In the case of oil price drop, a strong financial company purchases smaller company that provides the benefits to the stronger financial company to achieve customer base as well as resources of that company Due to this, firm is also benefited in terms of cost-efficient and time consuming (Wstenhagen and Wuebker, 2011). Shell and BG group merger provided to organic growth to the acquiring company. The decision of Shell to acquisition in the same sector helped in reducing the operational cost of organization as well as increasing the revenue of the firm. It is also beneficial in terms of increasing the supply chain and pricing power. Thus, the combination of the two companies in the energy sector enables to enhance the work performance and strength of business network by improving market reach (Belyi, 2013). Conclusion From the above discussion, it can be concluded that during the oil price drop of 2014 to 2016, the merger and acquisition strategy is one of the effective strategies that adopted by the energy sector companies to reduce the negative effects of low oil price. It also helped the companies to expand their businesses in new markets as well as provide better and effective services to increase the customer base in the crisis situations. The energy sector companies also used the merger and acquisition strategies to provide the benefits to the investors in terms of giving better returns on their investments. At the same time, it can also be concluded that the oil and gas companies also used the merger and acquisition strategy to manage the balance sheet stress and cash flow problems significantly. It also helped the oil and gas firms to meet the needs of cash and provide profitability by establishing a strategic relationship with the other companies in the different countries. References Armstrong, A. (2014) Ophir agrees 314m takeover of Salamander. [Online]. Available at https://www.telegraph.co.uk/finance/newsbysector/energy/11249706/Ophir-agrees-314m-takeover-of-Salamander.html [Accessed: 8 July 2016]. BBC News (2015) Royal Dutch Shell to buy BG Group in 47bn deal. [Online]. Available at https://www.bbc.com/news/business-32213341 [Accessed: 8 July 2016]. Belyi, A.V. (2013) Institutional trends in Russias oil and gas sectors. The Journal of World Energy Law Business, 5(6), pp.39-45 . Bertocco, R., Keuer, W. and Milisavljevic, M. (2015) Preparing for the Coming Wave of Consolidation in Midstream Oil and Gas. [Online]. Available at https://www.bain.com/publications/articles/preparing-for-the-coming-wave-of-consolidation-in-midstream-oil-and-gas.aspx [Accessed: 6 July 2016]. Business Wire (2014) Sabine Oil Gas and Forest Oil Announce Definitive Merger Agreement. [Online]. Available at https://www.businesswire.com/news/home/20140506005979/en/Sabine-Oil-Gas-Forest-Oil-Announce-Definitive [Accessed: 6 July 2016]. Campbell, C.J. and Wstmann, A. (2013) Campbell's atlas of oil and gas depletion. UK: Springer. Cartwright, S. and Cooper, C.L. (2012) Managing Mergers Acquisitions and Strategic Alliances. UK: Routledge. Chon, K. S. (2012) The Growth Strategies of Hotel Chains: Best Business Practices by Leading Companies. UK: Routledge. Chorafas, D. N. (2016) Energy, Environment, Natural Resources and Business Competitiveness: The Fragility of Interdependence. USA: CRC Press. Deloitte (2016) The impact of plummeting crude oil prices on company finances. [Online]. Available at https://www2.deloitte.com/ng/en/pages/energy-and-resources/articles/crude-awakening-the-impact-of-plummeting-crude-oil-prices-on-company-finances.html# [Accessed: 6 July 2016]. Dor, A. B., Dynkin, L. and Hyman, J. (2011) Quantitative Credit Portfolio Management: Practical Innovations for Measuring and Controlling Liquidity, Spread, and Issuer Concentration Risk. USA: John Wiley Sons. Fu, X. and Zhang, J. (2011) Technology transfer, indigenous innovation and leapfrogging in green technology: the solar-PV industry in China and India. Journal of Chinese Economic and Business Studies, 9(4), pp.329-347. Gomes, E., Weber, Y. and Brown, C. (2011) Mergers, Acquisitions and Strategic Alliances: Understanding the Process. UK: Palgrave Macmillan. Holburn, G.L. and Vanden Bergh, R.G. (2014) Integrated market and nonmarket strategies: Political campaign contributions around merger and acquisition events in the energy sector. Strategic Management Journal, 35(3), pp.450-460. Hotten, R. (2014) Falling oil prices threaten to transform the industry. [Online]. Available at https://www.bbc.com/news/business-30393690 [Accessed: 8 July 2016]. Inkpen, A.C. and Moffett, M.H. (2011) The Global Oil Gas Industry: Management, Strategy Finance. UK: PennWell Books. Lacalle, D. and Parrilla, D. (2015) The Energy World is Flat: Opportunities from the End of Peak Oil. USA: John Wiley Sons. Lacity, M. and Willcocks, L. (2015) Nine Keys to World-Class Business Process Outsourcing. UK: Bloomsbury Publishing. LaMattina, J.L. (2011) The impact of mergers on pharmaceutical RD. Nature Reviews Drug Discovery, 10(8), pp.559-560. Rothaermel, F.T. (2015) Strategic management. USA: McGraw-Hill. Scheck, J. and Raice, S. (2014) Will Cheap Oil Lead to Big Mergers?. [Online]. Available at https://www.wsj.com/articles/will-cheap-oil-lead-to-big-mergers-1417750974 [Accessed: 8 July 2016]. Wstenhagen, R. and Wuebker, R. eds. (2011) The Handbook of Research on Energy Entrepreneurship. USA: Edward Elgar Publishing.

The Smallest One was Madeline free essay sample

â€Å"In an old house in Paris that was covered with vines, lived twelve little girls in two straight lines. They left the house at half past nine the smallest one was Madeline.† When I was a child, I would sit on my mothers lap as she read to me. The books we chose ranged from those telling the tales of princes and princesses and woodland creatures to stories of ghosts and ghouls. However, the books I remember the best are the ones with bright illustrations and bold white print on the covers; the books that told the story of Madeline. Orphaned at a young age, the little girl lived in a French boarding school with her eleven classmates and their school mistress, Miss Clavel. Considered to be the trouble maker of the class, Madeline was always the most daring and lovably mischievous. Most of all, no matter what anyone else thought of her, Madeline was never afraid to speak her mind or defend what she believed to be right. We will write a custom essay sample on The Smallest One was Madeline or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page Looking back, I believe it was these qualities that drew me to Madeline and made me want to be like her—to the point of cutting my curly, waist-length hair into a short bob. Her intrepid boldness and spunk taught me that its okay to be myself, no matter what; if Madeline hadn’t been tucked in between dashing princes and innocent princesses, who knows if I’d be any of the things I am today. One of the most valuable lessons I learned from Madeline was that of leadership. For example, I am currently serving my second term as Student Council president and my third year as a section leader in our schools marching band. As Student Council president, I interact not only with the student body and our adviser, but also with our principal and members of the community. I am also directly responsible for the outcomes of certain school events such as our blood drives and Homecoming dance. As a section leader, I help new band members become better musicians and, in some ways , better human beings. I, along with the other section leaders, teach them to do everything with passion and intensity and to convey those feelings to the audience. This job, above any other that I have held, requires patience, understanding, a willingness to push oneself and a willingness to have fun. As a leader in marching band, I must force myself to stay positive—in the same way Madeline would—to help the underclassmen and new members exert the same kind of energy as we rehearse. Holding such highly regarded positions, I am required to possess superior leadership skills—ones that I may never have learned if my mother had introduced to Madeline. We are living in a special time in history—one in which women are openly and strongly accepted as leaders. And as a young woman and a leader, I believe that all young girls should read or be read the stories of Madeline. Like she taught me, she can teach them that it is alright to be smart and strong in a world where women are still—in some places, at least—expected to be naive and fragile. In fact, as a leader with in my school, I like to believe that my peers and my teachers have placed me in the most esteemed positions not because of my naivete or fragility, but because of my candidness, tenacity and drive to succeed. I also like to believe that a little, red-headed girl in a blue coat and yellow hat had something to do with it as well.

Christmas Carol Essay Example

Christmas Carol Essay Charles Dickens, 1812 1870, wrote A Christmas Carol, published in 1843 and it is one of Dickens most loved works. It is a heart warming story which was very popular at the time of publication. The novel aims to educate and enlighten the reader, as well as entertain, with the story of a cold, grasping man, by the name of-Ebenezer Scrooge. Scrooge is certainly a bad employer and Bob Cratchit, his clerk, would know. He is a poor-family man; time off for the Christmas holiday isnt an issue, especially when you work for Ebenezer Scrooge. As Christmas Eve approaches so does the ghost of Marley, who was dead to begin with! Marley warns Scrooge of three ghostly visits. The ghosts show Scrooge his past, present and a frightening future without love, not to mention disaster for the Cratchits. The purpose of the ghost is to teach Scrooge a lesson in order for him to become a better person. The ending of the novel shows Scrooge can change, pennies are given to charity and certainly the Cratchit familys spirits are lifted as Scrooge gives generously. Charles Dickens wanted his novel to have an important message. He wanted to show that no one should be as selfish and money grasping as Ebenezer Scrooge because if they are they will die lonely and their meanness hurts others. Dickens teaches us that in society the rich people can ease the lives of the poor and make things better for them even with simple acts and gestures! However, we see that characters like Scrooge are unprepared to do so. Life in Victorian England was very difficult, if you were a poor person. Industrialization had bought factories, but unfortunately the working conditions were awful. The poor who worked there didnt get paid a lot at all and would really struggle. If you didnt get employment, then the work houses would be a last resort. This was better than being in prison though and was a warm shelter for Britain. Charles Dickens saw what conditions in the work houses were like and wrote about this in his famous novel Oliver Twist. Dickens was very aware of the poor conditions around, when he moved down to London. He realised (and was shocked at) how badly the rich treated the poor. He was determined to do something about it. We will write a custom essay sample on Christmas Carol specifically for you for only $16.38 $13.9/page Order now We will write a custom essay sample on Christmas Carol specifically for you FOR ONLY $16.38 $13.9/page Hire Writer We will write a custom essay sample on Christmas Carol specifically for you FOR ONLY $16.38 $13.9/page Hire Writer By writing about London society and the conditions in which the poor lived, even though these characters were fictional, Dickens was able to raise awareness of poverty and injustice. Dickens wanted to show that rich people should be charitable and help the poor. These charities could make a difference. This relates to A Christmas Carol as Ebenezer Scrooge is a tight fisted and an uncharitable man. The workhouses during Dickens time were in bad condition; they were a last resort to families. Indeed the charity workers inform us that, Many cant go there and many would rather die. This reveals the plight of the poor. Scrooge has money and if he gave to charity he could make a difference and perhaps save a family from the work house. We can see from the changes he goes through and learning from the ghosts, that by the end of the novel he can help save a life by being thoughtful of others and charitable; he can make a difference. In the first scene of A Christmas Carol Dickens gives the readers an impression of Scrooge in just the first few lines. We are told about Scrooges business, the firm was known as Scrooge and Marley and that Scrooge, Answered to both names. This tells us that Scrooge is just a business not a person who lives a proper life. The text states that Scrooge is tight fisted which gives the impression that scrooge is a mean and hard person. The simile hard and sharp as flint tells us that Scrooge is cold and brittle with no warmth in him at all. Flint was used to spark up a fire but theres no fire or warmth in Scrooge! Dickens says from which no steel had ever struck out generous fire. We see how Scrooge lives on his own and enjoys this when Dickens uses the simile, solitary as an oyster. This is odd because oysters make beautiful pearls but there is nothing lovely about Scrooge!

Argumentative Philosophy Essay Topics

Argumentative Philosophy Essay TopicsArgumentative philosophy essay topics are great for helping students prepare for philosophical debate. The number of arguments that can be made is limited by the topic you select. When you select a topic that is not very complex, you can easily discuss the basic facts and whether the arguments are coherent.There are a variety of argumentative philosophy essay topics available to you. You will need to know what these topics are and how they are used in the argumentative philosophy essay. A brief introduction to the topic will help you choose a different argumentative philosophy essay topic each time you plan to write your essay. This will keep the topics interesting to students.Students must learn how to form their own opinions about a given topic if they wish to write an argumentative essay on the subject. Students should spend time researching the topic to be written on. There are many books and websites that offer information about the topic and the experts who specialize in that subject. Students should research the topic before they begin their essay.You should also look for essay topics that are usually seen in textbooks. These topics are usually presented as actual research findings. Students may want to read these essays if they want to learn more about the topic and what really goes on in a philosophical argument. You should make sure that your students read these arguments so that they understand how the experts base their research.It is important that you check with your professor or tutor before you write an argumentative philosophy essay topics. They may ask you to come up with a topic on their own. When you do this, it is important that you give them all of the facts that you have gathered about the topic. They may be able to help you make a good topic choice if they want to.Argumentative essay topics are normally referred to as criticisms. They may be given against the view of someone else. A critic will presen t their views against someone else's view. The focus will be on the strengths and weaknesses of the argument.Different historians will give a lot of information about certain philosophers or religion based philosophers. There will be times when you have to deal with opposing opinions, the opinions of the opposing side, and other related things. You will need to show how a person came to their conclusions and how they reacted to various arguments. If your essay topic deals with this topic, you will need to include your opinion and analysis of the topic.The best argumentative essay topics will be written on your own initiative. You can use the essay topics that other people have written, but you should also write your own essay. You should show your strength of opinion as well as demonstrate the strength of your argument.