Customer Insight

CDWP Competency Framework for the Customer Insight Profession Delivering a Professional Service Delivers a professional service that contributes to organisational effectiveness by: Delivering a Customer Focused Service Develops and delivers customer-led services by: Analysing, Improving and Changing Analyses and uses evidence to inform improvement and deliver change by: Managing People and Performance Manages people and resources, and applies project and programme management techniques, to achieve high performance and value for money by: Building Capability LeadingBuilds capability to meet current and future business needs through continuous learning and by communicating in ways that support productive working relationships by: Developing Knowledge and Skills Develops knowledge and skills to meet current and future business needs. Leads by example to deliver business results by: Knowing the Business Understands the organisation and its customers and how customer insight can contribut e to improved services for customers. Responding to Customer Needs Seeks to understand customer requirements and deliver services that are responsive to diverse customer needs.Providing Excellent Customer Service Meets customer needs through excellent customer service. Analysing and using Evidence Uses information to understand performance and make decisions. Deploying People and Resources Effectively Uses resources flexibly and creatively in ways that promote diversity and support the principles of sustainable development. Delivering Results Manages performance to deliver business objectives and meet performance standards. Managing Finance Monitors and manages finances to ensure value for money.Demonstrating Integrity Demonstrates integrity at all times. Demonstrating Customer Insight Expertise Understands customer insight tools and techniques and uses them to generate insights which lead to an improved service and experience for DWP customers. Improving Performance Continuously Se eks and implements ways of improving performance. Working Collaboratively Works collaboratively in ways that value diversity and add to efficiency. Providing Direction Provides and communicates clear direction to achieve DWP strategic objectives.Building Customer Insight Capability Establishes effective stakeholder relationships and contributes to an increasing capability across the organisation for insight generation and application. Engaging with Change Implements change in support of DWP strategic objectives. Communicating with Impact Communicates in ways that promote understanding and maintain confidentiality. DWP Competency Framework for the Customer Insight Profession Delivering a Professional Service Knowing the BusinessUnderstands the organisation and its customers and contributes to its success by: †¢ Performing in a way that demonstrates understanding of their role within customer insight; †¢ Working in ways that supports the aims, visions and values of the organ isation in being an exemplar of customer service; †¢ Understand what’s most important to DWP customers and the role customer insight plays in developing the customers’ service experience; †¢ Working in ways that support learning from customer feedback; †¢ Working in ways that meet the requirements of the DWP Customer Charter.LEVEL Analysing, Improving and Changing Analysing and Using Evidence Delivering a Customer Focused Service Responding to Customer Needs Investigates, understands and responds to the needs of customers – internal and external – by: †¢ Using appropriate questioning techniques; †¢ Building and maintaining excellent relationships with customers; †¢ Responding to customer feedback; †¢ Treating all customers fairly and with regard to diverse needs.Uses information to assess progress and make decisions by: †¢ Identifying and interpreting relevant sources of information; †¢ Organising information i n a way that helps analysis; †¢ Extracting and presenting information appropriately. 1 Demonstrating Customer Insight Expertise Demonstrates expertise by: †¢ Maintains awareness of relevant customer insight tools and techniques; †¢ Giving colleagues and customers a positive impression of themselves and the organisation; †¢ Using information to inform customer insight decisions and making improvements within their area of ork; †¢ Providing soundly based advice to inform actions in response to customer issues, such as complaint handling/ redress. Providing Excellent Customer Service Delivers excellent customer service by: †¢ Using skills and resources to deliver the best possible service; †¢ Dealing with customer requests, queries and problems; †¢ Meeting customer service standards and requirements. Improving Performance ContinuouslyLooks for better ways of working to improve performance of self and team by: †¢ Reviewing own performance to identify areas for improvement; †¢ Considering a range of approaches when determining how to do things better. Building Customer Insight Capability Builds trust with stakeholders by: †¢ Maintaining a working knowledge of relevant customer insight activity being conducted; †¢ Maintaining a working knowledge of complaints handling/redress policy; †¢ Taking pride in their work, the service they offer and the benefits for the customer; †¢ Demonstrating a proven track record for customer service, delivery and capability.Engaging with Change Helps make changes work by: †¢ Seeking clarification if unsure about reasons for change; †¢ Supporting the implementation of change by making constructive suggestions; †¢ Helping others during times of change and respecting their rights to different views and ideas. DWP Competency Framework for the Customer Insight Profession Managing People and Performance Delivering ResultsKnows what is required in their day t o day work and takes responsibility for working to a consistently high standard by: †¢ Agreeing role requirements with those they report to and work with; †¢ Planning and managing day-to-day workload to meet agreed targets and deadlines; †¢ Consistently applying policies and procedures that are relevant to the role; †¢ Recognising and reporting risks to the successful completion of work; †¢ Making best use of the available technology and ensuring security of personal and other official information.LEVEL Leading Demonstrating Integrity Building Capability Developing Knowledge and Skills Develops the knowledge and skills needed to meet the requirements of the job and the objectives of the team by: †¢ Understanding their own strengths and development needs, taking into account feedback from others; †¢ Seeking new and better learning and development opportunities, including those available as part of their daily work activity; †¢ Applying and shar ing skills and knowledge learned; †¢ Giving constructive feedback to colleagues. Displays integrity and honesty by: †¢ Keeping promises and fulfilling commitments; †¢ Being able to admit when they have made a mistake; †¢ Building relationships which balance achieving the task with an appreciation of others’ needs. Deploying People and Resources Effectively Makes best use of own time and other resources by: †¢ Monitoring how their time is used and proposing more efficient ways of working; †¢ Reducing wastage and encouraging others to do the same; †¢ Considering the environmental impact of their actions.Working Collaboratively Adopts a business-like approach to working relationships that respects diversity and contributes to effective team working by: †¢ Listening and responding positively to people with differing views and opinions; †¢ Providing honest and constructive feedback and challenging negative behaviours; †¢ Working wi th others to achieve team objectives; †¢ Responding appropriately to diverse needs of others. Managing FinanceHelps to achieve value for money by: †¢ Applying relevant financial and procurement procedures; †¢ Considering value for money of all their actions; †¢ Raising relevant queries on financial reporting. Communicating with Impact Communicates clearly taking account of individual need by: †¢ Adapting communication style to the needs of the audience; †¢ Presenting own views clearly and building on the views of others; †¢ Safeguarding personal and other sensitive, official information.

Compare and Contrast Walter Mitty with Rip Van Winkle Essay

â€Å"May Day! May Day! We’re going down!† Right before impact you are awaken suddenly by a tapping on your shoulder by your teacher and a class full of laughing peers. It happens to everyone at one point or another. Every high school student has been succumbed to a wild daydreaming adventure. In the short story, â€Å"The secret life of Walter Mitty† by James Thurber, a man by the name of Walter Mitty can hardly tell reality from his vivid imaginary dreams which undertake him spontaneously as he feuds with his nagging wife. In a very similar short story, â€Å"Rip Van Winkle† by Washington Irving, the main character Rip Van Winkle slips away from his domestic problems with his wife to a place of serenity where he can sleep in the peace and quiet of the Catskill Mountains. These two stories possess many striking similarities yet there are many differences between them which make them unique. Similarities run wild between these two stories. The most noticeable trait in which both stories possess heavily is the portrayal of the wife. In â€Å"Rip Van Winkle†, Rip’s wife is a nagging, mean old hag who gets her kicks out of bossing him around and taking him away from his fun with the neighborhood children and his dog. An extremely strong connection can be made from the wife of Rip to the wife of Walter Mitty. Mitty’s wife is obviously a control freq who always has to have things her way, and if things fail to lean in her favor then all havoc breaks loose. â€Å"Not so fast! You’re driving too fast!† said Mrs. Mitty. â€Å"What are you driving so fast for? (Thurber 2)† Another large similarity between Walter and Rip are their overwhelming tendencies to avoid any form of laborous activity pertaining to their own benefit by choosing to do something a little more exciting and fun. In Rip’s case, he simply leaves his wife and his h ouse with his dog, Wolf, to escape all of the responsibilities his wife imposes on him to be in the peace of the forest where he can relax for awhile. â€Å"Rip Van Winkle, however, was one of those happy mortals, of foolish, well-oiled dispositions, who take the world easy, eat white bread or brown, whichever can be got with least thought or trouble, and would rather starve on a penny than work for a pound. (Irving 4)† Walter Mitty is sidetracked every time he is told to do something by falling into a new daydream. His wife often has to tell him to do a particular activity multiple times before Mitty makes a formidable attempt at completing it. â€Å"When he came out into the street again, with the  overshoes in a box under his arm, Walter Mitty began to wonder what the other thing was his wife had told him to get. She had told him, twice before they set out from their house for Waterbury. (Thurber 5)† These two characters go hand-in-hand with one another, yet there are still significant details about each one which make them unique. Although very similar, these stories possess many distinct differences which separate them from one another. The first and foremost is the time in which each takes place. â€Å"Rip Van Winkle† is set in the colonial days from pre-Revolution to post-Revolution while â€Å"The Secret Life of Walter Mitty† is set in the roaring ’20s of the 20th century. The main characters also have their own unique attributes as well which helps to distinguish them from each other. Walter Mitty is more of a dreamer and oddball, and uses his dreams to escape from his troubles and worries of the day. Rip Van Winkle is more of a playful, joyous person who just outright despises his home. He works extremely hard for other people and is always there to help others out yet he refuses to make any tangible efforts to get things done around the house. â€Å"In a word Rip was ready to attend to anybody’s business but his own; but as to doing family duty, and keeping his farm in order, he found it impossible. (Irving 3)† Obviously another significant detail which separates these stories is how Rip Van Winkle falls asleep for 20 years and sleeps through the Revolution, waking up only to find that everything he had once known is gone for the most part. He awakes to learn that his wife has died and this actually made him happy. Walter Mitty does not despise his wife in the same way. Mainly, Walter Mitty is just slightly annoyed by her antics and her need for control. This detail probably poses the biggest separation between plots of the two stories. Differences are noticeably large and significant when comparing these short tales. Though very similar indeed, these two stories are in fact very different from one another. The main characters of the two run parallel in description and action yet the plots seem to stray away from one another. â€Å"Rip Van Winkle† and â€Å"The Secret Life of Walter Mitty† are two very unique and priceless pieces of American literature.

Fashion Blogging Essay Example | Topics and Well Written Essays - 1250 words

Fashion Blogging - Essay Example This research will begin with the statement that in this highly competitive globalized world fashion has become an integral part of our lives. Fashion is no more a personal choice for one’s own happiness but knowledge of fashion to some extent has become a requirement in workplaces, universities, social gatherings etc. This increased following and interest in fashion has led to newer ways of searching latest knowledge about ever changing fashion. This has led to the emergence of the phenomenon of fashion blogging. A vague and somewhat loose definition of blogging is the practice of posting information on the website. It is a medium where a strong view point, a differing view or just an attempt to â€Å"be yourself† is employed to engage the audience. Personal blogs are the most common where personal affairs of a person are discussed that are of interest to their friends. However the popular type of blog is the topical blog. In topical blogs a topic of interest is discus sed and hence it has wider audience. Fashion blog is a kind of topical blog. Fashion blog provides the platform for the creation of an ideal self with one’s online identity. Fashion blog provides the intersection of this self created ideal self and the off line consumer. There are different types of communities of practice created from â€Å"top down† i.e. by the fashion industry itself and the â€Å"bottom up† i.e. by the women who are interested in fashion.... Another type of fashion blog is like a fashion magazine that gives a glimpse of the season’s offering at the comfort of your home. While some focuses on finding our own style instead of spending a lot of money trying to keep pace with the ever changing fashion. An example of it is Bargain Queen. Another type of blogs only focuses on some of the fashion items such as shoes, hand bags and other fashion accessories. Generally speaking a shopping blog shows realistically priced things affordable by many as well as some aspirational items which are admired by many but affordable by very few (Leung, 2008). The Rise of Fashion Blogs The role and importance of fashion blogging has increased so much that fashion bloggers are now an integral part of the elitist and the most exclusive of fashion functions which were previously reserved for fashion schools and fashion magazines. Fashion blogs has such profound influence over the people that the British fashion blogger Susanna Lau has beco me a minor celebrity of UK fashion with her blog Style Bubble. Her blog attracts more than 10,000 visitors per day. Same is true for the popularity of other fashion blogs such as BryanBoy, Fashiontoast, SomethingNavy, and TheBlondeSalad. The popularity of these fashion blogs has turned them into an effective marketing tool. This increased importance not only enhanced the number of bloggers on the web but also their role. Now the bloggers are not just satisfied with being invited at fashion parties but they have a professional role to play. Some of the bloggers are now becoming a part of the branded network that is conducted by web Media Company. However their role is different from online magazines because they are

Compression Tests on Surrogate Bone Materials Essay

Compression Tests on Surrogate Bone Materials - Essay Example The core objectives of undertaking this experiment is to compare both high and low densities of bone water when subjected to strain rate of 5, 10, 50, and 100 percent. Through the use of wet or dry bone materials, this experiment will attempt to determine the quantitative differences between elastic modulus of both the wet and dry forms at the different rates of strain. The experiment will also compare experimental and statistical analyses. Finally, the experiment will aim at creating a spring dashpot model for the simulation of the experiment. The test will show that higher elastic modulus will result provided that higher density bone wet foam and dry foams are used. Additionally the experiment will show that strain rate increase results correspondingly increase stiffness while at the same time the material shows viscoelastic tendencies. During the test preparation stage of the experiment in which the creation of mathematical model, formulate the compressed block-equilibrium with the application of FBD. The dimensions of each block were measured, rate of strain calculated, soaking samples in water for the wet form, and calculation of displacement measures. The testing protocol applied in the collection of data included the placement of each sample on the MTS. Time-based intervals were taken into account in applying various rates of strain to each sample. Finally, each sample was subjected to varying rates of strain per second. Among the applied rates included 5, 10, 50, and 100 percent. According to the output table of the experiment, dimensions were taken into consideration that differed from one material to another. However, despite the almost identical dimensions for height, width, and length, it is shown that the dimensional differences are reflected on the results. For the strain rates applied, the results in displacement show that under 100% rate, the displacement was equal to the block height in all cases.

Ethics in Business. The analyse of the case study Essay

Ethics in Business. The analyse of the case study - Essay Example It is agreeable to say that by conviction and not through interest, we should treat others the very same way we would want them to treat us (Cory 2004:1). When adhered to, such moral values enhance the performance and profitability of the firm since it attracts and maintains customers together with their trust in the products or services offered by the business. The companies’ basic moral principles according to Cory (2004:2) â€Å"†¦are honesty, acting in good faith and in an equitable and just manner without betraying the trust of the stakeholders and by treating them as equals, practicing reciprocity, avoiding the exploitation of others, and acting from your own free will without forcing your will on your partners†. It is virtues like honesty and acting in good faith that in our case study we see Steffan, in his capacity as the project manager violating deliberately. There is need for business to develop and faithfully practice these moral values for purposes of well societal being. Unfortunately they fail to do that. Incidentally it is the managers and the CEOs who often are accused of violation of core values of the society like in the case of Steffan Larson who disregards Lauren’s advice. They are usually morally blind and instead throw their focus on profit making. This is largely so because of shareholders’ pressure for profit generation and the capitalistic economic arena in which they operate. But this notion is disputable since even in non-profit making organizations there is open deviation from set rules and regulation. They therefore do business without caring about people’s lives, the environmental, political, social, and moral values. International corporations also want to be exempted from certain core values of a given place if in their view the values will conflict with their set objects, a theory Bowie (2002: 3) calls relativism. He says that the international corporations want to

Text in Context Essay Example | Topics and Well Written Essays - 1000 words

Text in Context - Essay Example I came up with the discussion concerning generation gaps because it is a vice responsible for massive alienation among families in the western countries following the growing multiculturalism. Generation differences have been an issue for years, but it has reached intolerable levels in this postmodern period. Most areas affected by this change are music tastes, politics, culture, and fashion. The discussion regarding generation differences is common in both the film and the article as we can see some difference between parents and their children after a long period of separation. The film Tiny Furniture is a film examining the issue concerning generation gaps in families. This results from differing communication lines; â€Å"Aura thinks things may be turning around for her† (Manohla 2). The film revolves around a case where a girl leaves home and comes back after four years of schooling. The family welcomes her, which is a tradition in every community after a long period of s eparation. During this period, it is obvious that the girl assumed the culture among other ways of doing things in her previous destination. It becomes difficult to hides ones identity in this situation having in mind that she has already reached maturity age. One of the challenging issues after her arrival is concerning the time to wake up. It is common sense that after dawn, one should rise and start attending to his or her duties or even plan one or the other. However, it is not also detrimental to fail to wake up early as far as you are not ignoring your duties. This is not understandable by most parents, as they want to build their children in a spirit of hard work. The abstract between the parties is communication, as this will create a basis where they will understand each other. Most campus students find going out being part and parcel of their life. This is quite different in relation with the interpretation from parents. They view out going as an immoral activity, which sh ould be discouraged under all cost; â€Å"she goes to a party and reconnects with Charlotte† (Manohla 1). They fail to understand or interpret it from a young generation view, where they view it as a way of socializing and relaxing after a long week of schoolwork among other commitments. In reference with the film, this idea kills her morale as it vied as a vice; it immensely disappoints her and alienates her spirit. In these instances, people find themselves confused as far as doing justice to different parties is concerned. However, this maybe a difficult task as it will be hiding one’s identity. The best solution to breaking communication differences, as this will enhance a healthy relationship despite cultural differences between parties; if Aura in the film had open communication lines with the mother, there would be no conflicts as far as different practices are concerned. The article, Generations is about the two generations that exist in America because of immi gration. The first generation consists of the immigrants who entered America from â€Å"Europe, Asia, Africa and Latin Americans† while the second generation consists of their children who were born in America (George & Trimbur 42). The two generations share biological relationships together with other older generations. However, there is a gap in the way of life or the culture of the two generations. The difference comes in terms of the commitment of the two generations towards the traditions and customs set by their ancestors. It is common for individuals

Country Cultural Briefing for Business Associates Assignment

Country Cultural Briefing for Business Associates - Assignment Example There have been many sites that have been excavated the reversal the history of the country as a home of Australopithecus. The country was inhabited by Bantu speaking people who were originally iron smelters, agriculturalist and herdsmen. The country was discovered by Portuguese in 1487. Bartlomeu Dias was the first Europeans to the reach the region and he named it as the Cape of Storms from the stormy conditions that were prevalent in the area but his sponsor renamed it as Cape of Good Hope. This is because it gave a promise of viable sea route to India the Portuguese were desperately seeking for. (Thompson, 2001) From the discovery of the region, the Dutch settlers followed and colonized the country. It became an important slave trade center for the region and Dutch settlement expanded. But it was the British who made an impact on colonization of the region when they annexed the cape colony in 1806. The Britons found the country ideal for slave trade. The discovery of diamond and gold in 1867 and 1884 respectively was perhaps the beginning of serious trade in the region. This was followed by mass settlement of whites in the country. South Africa carries the history of one of the worst form of racial discrimination in the world by the name apartheid. Under apartheid, there were different settlement and different public facilities for the white and the blacks. The was followed by a long history of struggle for freedom which was led by Nelson Mandela, a renown world figure, and the ANC party. Eventually Mandela was released after serving 27 years in Robin Island and the country was granted independence in 1994. (Kalley, 1999) Business wise, the history spins since the aforementioned discovery of Gold and diamond in the country. This led to establishment of commercial centers and large white farms that supported the trade. Since then the country has grown its economy to become the largest in Africa. Size South Africa has an area of around 470,979 Sq mi which is approximately 1,219,912 km2 which makes the 25th largest country in the world. It has a coast line that stretches fro more than 2,500 kilometers across the Atlantic and Indian Ocean. The country is made up of nine provinces with 52 districts. It has 6 metropolitan and 46 municipalities. These municipalities hold about 231 local municipalities. South Africa has a population of about 44,819,768 people which is one of the highest populations in Africa. Political System South Africa has a peculiar political system in the sense that it is the only country in the world that has three capitals. Cape Town which is the largest capital in the country is the center for legislative. Pretoria is the centre for administrative while Bloemfontein is the judicial capital. This is a peculiar political arrangement in the world but which has been planned to give the country a kind of equal representation in the political and legal matters. The country has a bicameral parliament with ninety members forming the upper house. These members form the National Council of Provinces. There are other 400 members who make the lower house or the national assemble. These members are elected directed by the people and their representation is based on population basis. Ten members are elected to represent each province in the National council of provinces but which is not

M.A. in Humanities in the 21st Century Essay Example | Topics and Well Written Essays - 500 words

M.A. in Humanities in the 21st Century - Essay Example 1984:10). Humanities subjects inundate students with "a deluge of readings and ivory tower philosophizing" (Shulman, 2006) and have been traditionally used to transmit the values cherished by generations (McGrory, 2007). Located at the core of the university, Humanities have long been deeply embedded with concerns about life, wisdom, survival, transformation, and interaction (Brown, Boyer, de Bary & Fajans, 2006). The overall benefit to society is that they have the responsibility of keeping the other disciplines honest, and this function of being a watchdog needs to be preserved (Chipman, 1995). Humanities provides general literacy that includes language skills such as grammar, spelling and the proper use of words; information gathering such as how to take notes and summarize material; thinking skills such as how to criticize an argument and how to develop arguments; and writing skills such as how to present arguments with clarity and intelligence (Hart,1990). These are the basic skills that prepare workers to meet the world of work (Drewes, 2002). A degree in Humanities is not a business degree, not a science degree nor a technical certificate. Yet, the coursework done and the skills developed can be applied to virtually any profession.

English Lit Essay Example | Topics and Well Written Essays - 2000 words

English Lit - Essay Example The absence of any kind of fundamental economic, social or political rights, like right to property, freedom of speech and expression, right to vote or even the right to seek justice was the bane of the nineteenth and twentieth century woman. These social ills are reflected in the lives of these two women as they struggle to give sound to the incessant chatter of the inner voice throughout the novels. In the post-war world, when everything and everyone was coming to terms with the trauma of new beginnings; the emergence of a new genre of writing in English signaled the onset of yet another revolution. Writers like Kate Chopin and her women characters were a living example of a colonized race that sought redemption by a deviation from reality, thus, pushing them further into the maws of self-doubt and loathing; furthering them still from the ‘freedom’ of their being. Books like The Awakening portrayed the psychological journey of its female protagonist Edna Pontellier; pre-empting and skillfully projecting the image of the ‘war-torn’ inner self of an American woman in the wake of a new century. Another novel of tangential equivalence in terms of character-depiction is Vile Bodies by Evelyn Waugh. The female protagonist in this novel Nina Blount is, among the other characters, a depiction of the loss of objective and purpose and the epitome of portrayal of the war-cradled ‘lost generation’. Interestingly, despite having non-intersecting personalities, the women characters in these novels like Nina, Agatha, Edna achieve a ‘vile’ and ‘ridiculous’ status of living because of their loose social conventions. The fallen angels like Chastity are the effeminate-degenerate as they break free from moral restraint, so cleverly put across in the lines â€Å"Chastity didn’t feel well, Mrs. Ape. She went below† (VB, 8). The so-called

Logbook Essay Example | Topics and Well Written Essays - 2000 words

Logbook - Essay Example For initial understanding of the term terrorism, I got the U.S. Law definition of terrorism which means â€Å" pre-meditated, politically motivated violence perpetrated against noncombatant targets by subnational groups or clandestine agents†. Then I gathered materials from the internet regarding its concepts and the September 11 attacks and related information. After knowing and understanding the broader meaning and description of terrorism, I gathered the needed information: the who’s, what, why, how and the results and impact of the said attacks. Likewise, I saw the need to have an overview of the Middle East to have a better understanding of the said tragic incident. Basically the Middle East is a region rich in oil. The politics and issues stemming from the region have mostly revolved around oil and Israel. With this major energy reserves which helped support western economies many superpowers have been involved in the Middle East such as the US, Britain, Soviet Un ion, and France and also because of its location in the map. In contemporary times, foreign interest in the region had mostly been credited yo the oil reserves and its strategic position. After the first week , I gained a deeper insight of the September 11 attacks and had a better understanding of the whole incident taking special attention on the details on who are its perpetrators and their background, the root cause, why it happened, how it happened and the resulting actions especially from the US Administration headed by former Pres. George W. Bush. I really did not have much knowledge before of the whole incident and the plan of action of Pres. Bush after the incident particularly on the war against terror declared on the 22nd of September and other major changes relative to his efforts against terrorism (e.g. U.S. Patriot Act in October 2007). I have gained sufficient understanding of the perpetrators referred to as Osama Bin Laden through his Al-Qaida terrorist organization , and their aims which are to inflict terror on the people and authorities governing the most powerful nation in the world as they do not agree with the actions and ideologies of the US. This helped me developed a logical researching skills. It also helped me understand the September 11 attacks by gathering an overview of the Middle East which was quite easy for me to accomplish. After gathering all the information on the background of this world-acclaimed phenomenon through the internet and library materials, I am prepared to write chapter 1 of my dissertation. The major sources which I used included the following: America Attacked 9 11 by attacked911.tripod.com/, September 11,2001- washington.com. The parts of Chapter 1 which I considered challenging are the perpetrators and their background, the reasons for doing the attacks and the plans of former Pres. Bush after the attacks. I developed a logical researching skill by understanding the motivations of the perpetrators and their b ackground. As I went on with my research I began to develop critical thinking skills. This requires that I analyze and evaluate all the information I gathered to select which are most relevant and appropriate for the discussion of every issue in the topic of 9/11 attacks. Indeed it was tough and difficult to choose the best information for a thorough and complete discussion of the issues like the war against terror and the alleged implication of Iraq in the 9/11 attacks.

Credit appraisel literature review Essay Example for Free

Credit appraisel literature review Essay This chapter is an elucidation of literature relating to the flow of credit from various organised and unorganised sources of housing and real estate finance. The aim of such a perusal is to have a birds eye view of the concurrent and corresponding issues and problems related to the present study. The first part deals with the flow of credit from organised institutions to various sectors like manufacturing industry, private corporate sector and various other industrial concerns. Studies on the institutional flow of credit in Kerala are also discussed. The unorganised sector consisting of indigenous financial agencies is enumerated in the next part. Understanding the operation of and the potential for housing finance is important, since in many developing countries housing policy is about establishing new and more innovative finance policies. 4. 1. 1 The banking system in India comprises of the Reserve Bank of India, Commercial banks and cooperative banks and credit societies. The commercial banks are the premier institutional structure of the 104 banking system. The principal function of these institutions is to satisfy simultaneously the portfolio preferences of the borrowers on one side and the lenders on the other. They mobilise resources from the savers in the form of deposits and extend credit facilities to borrowers in the form of loans, advances and securities. Loans and advances provided by these institutions can be categorised into short-term funds and long-term funds. The latter are advanced for purchase of plant and machinery while the former are provided for purchase of raw materials, stores, spare parts and the like. However following the traditional British banking practice, commercial banks provide more short term funds to the investors in industry and trade than long term loans. The pattern of credit disbursement has undergone substantial changes since 1950. 4. 1. 2 Commercial banks extended credit to commerce and trade to a larger extend than to manufacturing industry until 1958. Since the commencement of the second five Year Plan, which laid emphasis on rapid industrialisation, the pattern of credit flow took a new turn in favour of medium and large industry. As a result, the share of industry, in public and private sectors in total bank credit increased from 34. 8% to 67. 5% during the period 1954 to 1968. Since nationalisation of 14 major commercial banks in July 1969, the Government of India assigned new priorities to commercial banks with regard to the flow of credit to hitherto neglected sectors, called 105 priority sectors. The emphasis thus shifted from industry to the priority sectors. Further the supply of credit was controlled through statutory regulations and monetary regulations. On the other hand the demand for bank credit has also  undergone substantial increase. Factors such as, large growth in the number of industrial units, diversification of existing units, increase in industrial and agricultural production, increasing needs of short and long-term funds to maintain the increased levels of production, pushed up the demand for bank credit. 4. 1. 4 ~ u ~ t and ~ m b e ~ e o k aobserved that the use of funds from a r* banks by the private corporate sector had exceeded its inventory formation. Gupta, has argued that a small portion of such finance should have gone to meet fixed investment. Further, he found the growth rate of physical assets to be more directly and closely related to security issues than bank credit. Hence, he argued that the fast growing firms relied heavily on security issues than the use of bank credit. Arnbegeokar found that the rate of rise in bank credit exceeded that of inventory, sales and output. Further he observed 1 L . S . Gupta (1969). Changing Structure of Industrial Finance in India, The Impoct ojlnstitutional Finance, Clarendon Press: Oxford. 2 N. Ambegaokar (1969). Working Capital Requirement and Availability o f Bank Credit: Indian Processing and Manufacturing Industries, Reserve Bank of India Bulletin Vol XXIII. No:lO. 106 that its dependence on banks for working capital had increased, accompanied by a decline in reliance on other financial institutions. 4. 2 shetty3 assessed the dimensional changes in credit deployment during the first five years of nationalisation in relation to changes in output and prices. The rationale for his analysis was the fact that, in any accepted model of demand for money, one common variable is the gross national product or some other  variant of it in real terms. Consequently, he hypothesised that credit for any sector or industry over a period has to have some relationship with its performance in real terms, particularly output. He observed a declining trend in the credit extended by banks to industries since nationalisation, though it was higher than other sectors. On finding that the share of manufacturing sector in bank credit is higher than its share in Net Domestic Product (NDP) he concludes that increase in bank credit has occurred far in excess of increase in output during the years 1968169 to 1973174. In his other paper, shetty4 observed that the share of medium and large industry in total bank credit had declined due to priority S . L . Shetty (1976). Deployment of Commercial Bank and other lnstitutio~lalCredit: A note on Structure changes. Economic and Political Weekly, Vol XI No: 11, M a y 8th . pp. 696-705. S L Shetty (1978). Performance of Con~mercial Banks since N a t ~ o n a l ~ s a t ~ofn Major Banks: Promises and Realty. Economic and Political o Weekly, Vol. XI1 No. 31, 32 34, August, pp. 1407-1451. sector lending. Another observation in line with his earlier finding was that growth in bank credit had always been disproportionate to growth of their physical output, especially in industries like cotton textiles. His observation particularly for the years 1975-76 and 1976-77 revealed: (a) Increase in average bank credit had been higher than the growth of NDP originating in registered manufacturing sector even at current prices (b) An appreciable increase in the rate of short-term bank credit to inventories; and (c) Relatively higher reliance on trade credit. In line with these observations, he suggested policies to scrutinise credit claims vigorously and relate credit to the genuine production requirements so that funds are not tied up with these large borrowers. 4. 2. 2 K. S. R. ~ a o carried out an econometric exercise on the determinants of demand for bank credit of some selected industries for the period between 1970-71 and 1984-85. He observed that output of these industries was the most important factor in determining its demand for bank credit whereas, interest rate of K S . R . Rao (1988). Demand for Commercial Bank Credit 1970-71 t o A Study Thiruvananthapuram 1984-85: of Selected Indian Industries. M. Phil Thesis, CDS 108 banks and relative rate of interest of other sources of borrowing played only a secondary role. Price of output was also found to have affected the demand for credit significantly. The relative interest rate variable was significant with respect to industries like textiles, engineering and total manufacturing, while it was not significant for industries like sugar and other food products and chemicals. Divatia and shankar6 in their paper discussed the role of  internal and external sources of funds and their components in financing capital formation of the private corporate sector. The study was based on the RBI company finance studies relating to medium and large public and private limited companies and covered the period 1961-76. They also discussed the trends and patterns of financing for four individual industries, viz, cotton textiles, jute, sugar and cement. 4. 4 S. ~ d v e had some interesting findings in his article Financial Practices in Indian Corporate Sector, based on the RBI company finance data. He underlined the rising dependence on borrowed capital in relation to the total capital employed in the 6 V. V. Divat~a a1 (1979). Capital Formation and its Financing in the et Private Corporate Sector 1961-62 t o 1975-76. The Journal of Income ; Wealth, April 118-152. 7 S. Adve (1980). Financial Practices in Indian Corporate Sector, Inter-Group and Inter-Size Differences, Economic and Political Weekly, Feb. 23. 109 Indian corporate sector. Trade credit was pointed out to be important sources of capital when the bank credit was squeezed. Making an industry-wise analysis, the author came to  the conclusion that the industries with large profit margins and those with large depreciation and development rebate reserves had a relatively lower order of overall indebtedness and many of them also had a lower order of bank borrowings in relation to overall indebtedness. Industries with high profit margin such as silk and rayon textiles, aluminium, basic industrial chemicals and medicine and pharmaceutical preparations had lower proportion of borrowed funds as compared to the average of the medium and large public Ltd. companies. The extensive study viewed that the growth  from of institutional finance emerged in lndia due to structural change for industrial financing system with wide change of socio-political situations in lndia. He attempted to measure overall impact of financial institutions on capital formation in the organised private sector as also the allocative efficiency of financial system. He observed that during the first pla? financial assistance rendered by special institutions represented only 4. 1 per cent of gross fixed investment in private industry, which rose to 7. 9 per cent in the second plan and further to 18.1% in the third plan period. He also 8 L . S . Gupta ( 1 9 6 9 ) . Changing Structure of Industrial Finance in Indra, The Impacr ~flnstrtutronalFinance, Clarendon Press: Oxford. 110 found that commercial banks remained the most important single agency for financing the private corporate industry and LIC was the single largest purchaser of industrial securities and the underwriter of new issues of large and established companies. 4. 6 M. S. ~ o s h examined the role of financial intermediaries in i~ providing finance to large-scale industries in the private sector. After analysing the contribution of each important intermediary towards industrial development in India, he estimated that these intermediaries have participated with 17% of investment in various industries against 39% in share capital of public Ltd. companies. 4. 7 Studies on Institutional Credit in Kerala Among the studies on the state of Kerala, few have looked at the inter regional development of banking. The study conducted by the Travancore-Cochin banking enquiry c ~ r n m i t t e ewas the first of ~ its kind in the post-Independence era. The report traced the development of banking in the two regions of Travancore and Cochin. It noted that in terms of the average number of people per bank office, they had the smallest figure in the whole of lndia. It was noted that the expansion of commercial banks in the rural areas is more pronounced than in any other state. 9 M. S. Joshi (1965). Financial Intermediaries in India. Makhanlal ; Sons Pvt. Ltd, Bombay. 10 Gok (Various Years) Kerala Economic Review, Thimvananthapuram. 111 4. 7. 1 M. A. Oornrnenl historically reviewed the expansion of commercial banking in the Travancore-Cochin region prior to the period of planning. He noted some of the salient features of banking in Kerala: their community or sectarian origin and ownership, the rural areas bias, over extension of credit and predominance of small accounts. He noted the presence of a special concentration of banking in Tiruvalla and Trichur. 4. 7. 2 The Kerala Planning Board (1982) too made an effort to understand the performance of commercial banks in Kerala after nationalisation. This study was confined only to a quantitative assessment of the performance of nationalised banks and looked at the mobilisation of deposits, trend in credit expansion and the sectoral distribution of bank advances. Even though the number of bank offices in the state is more than that of other states, some districts like Malappuram and ldukki lacked banking infrastructure. Ernakulam was found to be the best-banked district in the state followed closely by Trivandrum. It accounted for 22 per cent of the deposits and 30 per cent of the credit disbursed in the state. Idukki, Malapuram and Palghat were way behind. ~-. II M A . Oommen (1976). Rise and Growth of Banking In Kerala. Social . Scieflt~. sl. Vol 5 . 8 0 3 112 4. 7. 3 Among the more recent studies, Sunandas study of institutional agricultural credit in Kerala highlights the inter district disparity. She reviews the socio-economic background for the origin and growth of banks in Kerala (performance of commercial banks and co-operatives only) and concentrates on the agricultural credit disbursed by them. In credit per hectare, Ernakulam and Trichur stood highest while Palghat ranked the lowest. Regional disparity of agricultural credit from commercial banks decreased between 1974175 and 1985186 while that of co-operatives increased. She has used Principal Component Analysis to explain the variation. Three sets of variables are used for explaining the variation of credit co-operatives viz, per hectare from commercial banks and Banking variables, Asset variables and Productivity variables. 4. 7. 4 The book Reminiscences, written by Shri. K. C. Mammen ~ a ~ ~ i throws ~ l a i some light on the banking developments that took place in Kerala prior to independence and also the role played by the Christian community in developing the banking system in the state. It also contains the history of the National Quilon Bank, which was the premier bank at that time and explains the reasons for its failure. S. Sunanda (1991). Institutional Credit for Agriculture in Kerala-A Disaggregated Analysis, M. Phil dissertation, CDS, Thiruvananthapuram. K. C. Mammen Mappilai (1959). Reminiscences, Malayala Manorama Printing and Publishing Co. Kottayam, Kerala. 113 4. 7. 5 Shri. A. K. Seshadris A Swadeshi Bank from South lndial4 gives an account of the banking crisis that occurred in the state in 1930 due to the failure of the National Quilon Bank and that in 1960 consequent upon the liquidation of the Palai central Bank, Palai. 4. 7. 6 The Indian Banks ~ s s o c i a t i o n ~ , Bombay published a book Keralas Banking Profile in 1987. This book contains a quick review on the banking and the economic scenario in Kerala from 1969 to 1987 and also has dealt with the impact of the non-banking private financial institutions on the banking system in the state. It also contains a quick analysis of the role of the NRI sector in the growth of the commercial banks in Kerala. Though the book contains information regarding deposits, advances, number of branches, net state domestic product, per capita income, per capita deposits etc, it does not make any attempt to analyse these factors and to find out whether any relation exists between these factors. In 1992 Canara Bank, the convener of State Level Bankers Committee Kerala had brought out a brochure on Keralas banking profile. This book contains a review of the district and state wise performance of the commercial banks during the 3 year period from 1989 to 1992. But this does not contain certain vital information like I4 AK Seshadrl (1982). A Swadeshi Bank,from South India, Indian Bank, Madras. I I n d ~ a nBanks Association (1987). Kerala: A Banking Profile, Bombay. 114 classification of deposits and advances according to population group wise, a review on the productivity of banks in Kerala etc. Indigenous Financial Agencies The availability of literature on indigenous financial system is scarce. The Central and Provincial Banking Enquiry Committee Reports give comprehensive information regarding the working of the agencies. But even such information appears to have become outdated in many respects as the enquiry was conducted more than 55 years ago. The Rural credit survey and Central banking Enquiry Committee attempted to obtain quantitative information, including capital invested in the business from the agencies but failed in their task. Hence as far as the quantitative aspect is concerned, i t is impossible to collect correct information from these agencies as their nature of business is selective and also as their exact number is not known. 4. 8. 1 G. ~ a r k a l brings out some of the problems of indigenous banking in India in the present context of economic development. He attempts a scientific definition of the term agencies and points out how the earlier definitions were defective. Karkals book estimates the magnitude of capital involved in the unorganised G Karkal ( 1 967). Unorganised Money Market in India. Lalvani Publishing House Bombay. 115 market through the help of data regarding Hundi sales. With the help of available data the study points out the nature of the interest rate in the various rural-urban regions. It indicates the trend of and effect of the contact between the two markets viz. , the organised money market and unorganised financial sector. Again the study discusses the methods of strengthening the Agencies. Here it pleads for the recognition of the hundi as a liquid asset at least in the case of trusted indigenous bankers, thereby giving an impetus to the unorganised sector to encourage the bill business. Provides an interesting account of the functioning of private financing firms in Kerala. The study based on a survey of the private financing firms in Trichur town seeks to examine the factors, which contributed to the emergence of these institutions, the method of their functioning and their importance as a parallel banking system. However he is silent on questions such as types of borrowers, total amount of uncounted money generated by the private financing firms, safety of depositors money and so on. 4. 8. 3 D. ~ a j a s e k h a r based on a survey of 8 private financing  firms in Bellary town in Karnataka tries to probe the factors B A Prakash (1984). Private Financing firms in Kerala, Economic and Political Weekly. Vol X I X . Dec. 15. D Rajasckhar (1988). Private Financing Firms in Karnataka: A boom for tax dodgcrs W o r k ~ n g Paper No: 228. CDS, Thil-uvananthapuram. 116 responsible for the growth of private financing firms. It also documents and analyses the functioning of private financing firms and critically examines the type of borrowers, the use pattern of the borrowings and also tries to estimate the black money generated by the private financing firms. 4. 9 H o u s i n g Finance A strong relationship between levels of urbanisation and wealth has been demonstrated both theoretically and empirically in numerous s t u d i e ~ . Traditionally, faced with other development ~,~~ priorities, governments and international agencies have been reluctant to encourage investment in housing, which has often been seen as an item of consumption (UNCHS 1991). ~Moreover, many of the first waves of housing finance institutions were poorly managed and contributed to macro-economic disruption. Even by the late 1980s en and^^ was able to observe that few aspects S . Malpezz~ (1990). Urban Housing and financial markets: Some ~nternationnlCo~iiparisons,(Jrhnn Studies, 27, 6 : 971-1022. World Bank (1993). Housing: Enabling Markets t o Work, W o r l d Bank iolic), Pnper Washtngton D C : World Bank. U n ~ t e d Nations Centrc for Human Settlements (1991). Integrating Housing Finance into the National Finance Systems of Developing Countries: Exploring the Potentials and the Problems, Nairobi: UNCHS. R. M. Buckley er a / . (1989). Housi~ig policy in developing economies: evaluating thc macroeconomic impacts, Review uf Urban ; Regional llevelopmenr Studies. 2: 27-47. B. Renand (1987). Financing Shelter in L. Rodwin (ed) Shelter, Settlement nnd I l e v e i o p m e n f Boston: Allen and Unwin. 117 of economic development remain as unexplored and poorly analysed as the potential to induce financial development and ways to improve the financing of housing. These practical and conceptual difficulties notwithstanding, during the 1990s housing finance moved to the top of the urban agenda. Under pressure to reform urban management, governments have made important legislative and institutional reforms to enable private institutions and non-governmental organisations (NGOS) to have a greater role in the provision of housing finance. The lead of the World Bank has been especially important in making the shift from housing projects towards the delivery of housing financez4 from 1983 to 1988. Bank lending for housing finance exceeded the total for sites and services from 1972 to 1988, and by 1989 almost one-half of all Bank urban lending was for housing finance programmes. z5This reorientation went beyond the need to deliver more and better housing, to make urban policy compatible with macro-economic management, particularly in the context of structural adjustment programmes in which control of foreign exchange risks and fiscal policy have been paramount. World Bank (1993). The Housing Indicators program: Preliminary Result, Washington, DC World Bank. R. M. Buckley el a ! . (1989). Housing policy in developing economies: evaluating the macroeconomic impacts, Review of Urban d; Regional llevelopment S t u d i e . ~2: 2 7 4 7 . . 4. 9. 1 S. chantz6;K. ~ a t t a and ~ i r a f f a b argue that formal finance ~ institutions are rarely willing to assist with the purchase of land, especially where the tenure, is insecure, to provide assistance with improvements to the rental housing stock or to support nonconventional household arrangements such as sharing of multiplefamily  compounds. These limitations have implicit gendered consequences, as rental and shared housing are of particular importance to low income women who often lack the means to become homeowners. 4. 9. 2 M. M. valeneaZ9summarizes the conditions of Brazils housing finance system by the 1980s as one of crisis, chaos and apathy. Notoriously inadequate fund collection and loan enforcement rates exemplified housing these finance conditions. This condition of public-sector institutions accentuated by was political manipulations that passed these institutions from one ministry to another at short intervals. Valenea points out that as the economic crisis of the 1980s deepened, the fall in the real value of payroll S Chant ( 1997). Women headed Households: Diversity and Dynamics in [he l l e v e l o p i n ~ i+orld. Basingstoke: Macmillan. K. ~ a t t a (1995). Strategies for urban survival? ; Women landlords in Gabocomc Bots ana, Habitat International, 19,1: 1 12. 2X F. Miraftab (1994). Housing Preferences of Female headed Households of Low Income Families in Guadalajara, Mexico: paper presented a t the International semlnar on Gender, Urbanisation and the Environment, Nairobi. The inevitable crisis of the Brazilian housing finance s!. stem. IJrhan Sttrdies, 29,1:39-56. 119 deductions with rising unemployment, the diversion of revenue sources to fund higher priority areas of the government budget and the withdrawal of savings from negative interest rate bearing accounts left many public sector housing finance institutions short of capital. 4. 9. 3 David lsaac3 provides an introduction to property finance, bringing together the professional disciplines related to finance and property investment and development. The book establishes the basic concept of finance, examines the applications of these concepts in practice and gives an overview of the market, its history and position as of 1993. 4. 9. 4 R . M . ~ u c k l e ~ ~ ; ~ i m and N. ~ u n j e have pointed out K. H. ~ e ~ ~ that the declining effectiveness of housing finance institutions coupled with economic and fiscal crises, have made governments more aware of the need to promote savings, reduce subsidies and mobilize domestic resources and motivate the involvement of 3, David Isaac (1994): Property Finance, Macmillan Press Ltd. , London. R . M . Buckley (1996). Housing Finance in Developing Countries. Bas~ngstokc. Macmillan. K. H. Kim (1997). Housing finance and urban infrastructure finance, Urban . stl~d~r. s. 10: 1597-620. 34, 11 N Munjec (1994). Housing finance in development: is there an cmerglng paradigm for developing countries in Asia: Housing Finance I n t e r n a t i o n n l . 8. 4 6-10 11 120 private financial institutions. Many of the most restrictive practices operating in housing finance markets, such as institutional entry requirements and liquidity limits, have been lowered, loanlvalue ratio made more flexible and a wider definition given to the terms of collateral. The optimistic view was that private institutions would be able to deliver larger quantities of finance more efficiently and with a greater chance of sustainability. 4. 9. 5 T. H. ~ a l i argues that even though new private finance c ~ ~ companies have been set up, a few lower-income households qualify for loans because the eligibility criteria require proof of five years full employment, imposing a start-up fee equivalent to three months salary and taxes to approximately 25% of the loan value. Similarly US AID^^ points out that in Eastern Europe despite the establishment of DIMS i n Poland, building certificates in Russia and indexed credit systems in Bulgaria, the bottom 80 per cent of the income profile has not been reached. T. H. Malik (1994). Recent development in housing finance policy in Pakistan paper presented at 2nd symposium Housing for the Urban Poor, Birmingham. Ull~tcd States Agency for International Development (USAID) (1997). Building on progress: The Future of Housing Finance in Poland. Warsaw: USAID. 121 4. 9. 6 Thomas Klak and Marlen Economy explore Housing of the Formal Sector organisation Trust in their article. The Political (NHT), the and Housing Finance performance  states main of in Jamaica the National housing agency in distributing finance in the context of the struggle for basic needs such as shelter, state socio-economic interventions. By examining the NHTs funding base, expenditures and beneficiaries they outline the scale of the financial resource diversions that effectively restrict low-income households from obtaining NHT housing assistance. They point out that a greater share of NHTs massive financial assets could be directed towards serving the housing needs of lowincome people if the Trust were organised differently.

Greenhouse gases Essay Example for Free

Greenhouse gases Essay â€Å"Gases that trap heat in the atmosphere are often called greenhouse gases† (Environmental Protection Agency, 1). Some greenhouse gases, such as carbon dioxide, occur naturally and are emitted into the air through natural processes and human activity. Other greenhouse gases are emitted only through human activity. These include â€Å"carbon dioxide, methane, nitrous oxide and fluorinated gases† (Environmental Protection Agency, 1). Carbon dioxide is emitted through the burning of fossil fuels as well as through solid waste and tree and wood products. Methane is emitted during the transport of coal, natural gas and oil. Nitrous oxide is emitted during agricultural and industrial activities. Fluorinated gases are emitted through a variety of industrial processes (Environmental Protection Agency, 1). These are all dangerous emissions that have a serious impact on the integrity of the environment. However, there are many natural processes that can cause an emission of greenhouse gases and these get far less attention than those associated with human activity. â€Å"Cattle numbers have more than tripled in the last ten years† (Hao, et al, 376). An analysis of the greenhouse gas emissions of these increasing cattle herds as compared to automobiles and planes is offered. The Problem with Cattle â€Å"Associated with intensification of livestock operations in an increased amount of feedlot manure produced each year† (Hao, et al, 376). Typically, cattle manure is disposed of by applying it directly to fields. â€Å"However, this has created environmental concerns† (Hao, et al, 376). Composting manure before applying it to fields has been suggested as an alternative because it â€Å"reduces odor, pathogens, weeds and fly breeding potential† (Hao, et al, 376). However, it has also been shown that composting the manure before application â€Å"contributes to emissions of greenhouse gases† (Hao, et al, 376). The process of composting the manure results in an increase in several different gases including methane and carbon dioxide. As the manure is composted, â€Å"heat is generated and the temperature of the compost increases. † As the temperature increases, greenhouse gas emissions also increase (Hao, et al, 384). Finally, â€Å"composted manure can be trucked further distances† which also adds to the overall greenhouse gas emissions associated with cattle manure (Hao, et al, 376). It is the by products of the cattle that cause a large part of the overall greenhouse gas emissions related to the livestock trade. The chemical composition of the by products are what contribute to an increase in greenhouse gases. Therefore, as cattle herds increase so does their by products which, in turn, increases gas emissions. â€Å"Globally, methane emissions from cattle are five to six percent of total emissions while nitrogen emissions are seven percent of total emissions† (Hao, et al, 37). As the cattle herds grow the amount of manure that is produces also grows and this results in an increase in overall greenhouse gas emissions over time. When manure is composted it is required to remain in one place over a long period of time. As the manure composts its temperature increases which only adds to the greenhouse gas emissions that comes from the manure Therefore, it can be shown that greenhouse gas emissions from cattle are larger than greenhouse gas emissions from automobiles and planes, particularly as the global number of cattle herds increases so does global output of methane and nitrogen. These greenhouse gas emissions are far more dangerous than the emissions from automobiles and planes. While sustainable development has received global attention it has â€Å"limited influence on the transportation sector† (Bartle, 214). While people all over the world are attempting to reduce greenhouse gas emissions by also reducing their driving and/or purchasing more efficient vehicles, the United States air industry â€Å"is unsustainable and forecasted trends suggest that this problem will get worse† (Bartle, 214). Current pollution control policies do not adequately address the issues associated with greenhouse gas emissions and airplane use. However, there are many reforms and new policies being considered in order to make air travel more sustainable while also reducing total greenhouse gas emissions during flying. While automobile and airplane travel have the capacity and ability to find new and innovative ways to reduce their overall greenhouse gas emissions, this is much more difficult for the cattle industry given the rapid increases in cattle herd size as well as manure output. Further, livestock are a leading source of greenhouse gas emissions but much more emphasis is placed on how to reduce emissions from automobiles and airplanes and much less focus is placed on how to reduce emissions within the livestock field (LA Times, 1). The cattle and livestock industry contributes more â€Å"silent and deadly emissions† than the â€Å"entire world transportation sector† (LA Times, 1). Many politicians and environmentalists do not realize the enormous problem that cattle emissions really are and often scoff at how much greenhouse gas they emit â€Å"but livestock emissions are no joke† (LA Times, 1). Further, much of the focus is placed on carbon dioxide and the majority of people do not realize the negative implications of methane and nitrous oxide – two major emissions from cattle. These two gases are more efficient at trapping heat in the environment than carbon dioxide is. Methane has â€Å"twenty-one times the potential for heat generation than carbon dioxide† does and cows can produce up to â€Å"one hundred thirty gallons† of methane per cow per day (LA Times, 1). Environmentalists tend to focus more on the greenhouse gas emissions from automobiles and planes which downplays the role of the livestock industry. At the same time, the public is not aware of the problem. Livestock, particularly cattle, are responsible for â€Å"eighteen percent of greenhouse gases worldwide – more than all the planes, trains and automobiles on the planet† (LA Times, 1). The problem appears to be getting worse. As previously mentioned the cattle herd sizes are increasing. Similarly, as living standards across the globe increase so does â€Å"a fondness for meat and dairy† (LA Times, 1). For example, meat consumption in the developing world doubled between 1980 and 2002 and it is expected to double again by 2050. â€Å"That means the environmental damage of ranching would have to be cut in half just to keep emissions at their current, dangerous level† (LA Times, 1). As more emphasis continues to be placed on the transportation sector, less emphasis is placed on the danger that the cattle emissions pose to the overall integrity of the environment. â€Å"The global livestock sector is growing faster than any other agricultural sub sector† (Food and Agriculture Organization of the United Nations, 1). â€Å"It provides livelihoods to about 1. 3 billion people and contributes about 40 percent to global agricultural output and is an important â€Å"source of renewable energy (Food and Agriculture Organization of the United Nations, 1). While this type of growth is certainly good for farmers and their bottom line, it has negative implications with regards to the overall integrity of the planet’s environment. As cattle herds continue to grow larger the problem is only going to get worse. Therefore, it is essential that the livestock industry be made aware of their contribution to greenhouse gas emissions so they are able to research and implement solutions that will help reduce their impact on the planet. Recommendations As mentioned previously, â€Å"the environmental costs per unit of livestock production must be cut by one half, just to avoid the level of damage worsening beyond its present level† (Food and Agriculture Organization of the United Nations, 1). Manure is the primary source of greenhouse gas emissions, specifically methane and nitrous oxide. The cattle industry â€Å"generates sixty-five percent of human related nitrous oxide† which has â€Å"two hundred ninety-six times the Global Warming Potential than carbon dioxide† (Food and Agriculture Organization of the United Nations, 1). The cattle industry also accounts for â€Å"thirty-seven percent of all human induced methane† which has â€Å"twenty-three times the Global Warming Potential than carbon dioxide† (Food and Agriculture Organization of the United Nations, 1). These high levels of greenhouse gas emissions from the cattle industry prove the importance of changes in order to reduce the impact that cattle has on the environment. The problem also takes much of the emphasis off of carbon dioxide and places it on methane and nitrous oxide since they have much more capability for damage. One suggestion is for human beings to begin â€Å"cutting back on read meat† as this would reduce the high demand for cattle and lower overall greenhouse gas emissions (LA Times, 1). A similar effect would be reached through a reduction in overall dairy consumption. However, for health reasons this is not a popular or feasible recommendation the way that reducing red meat consumption is. Further, politicians and lobbyists are reluctant to take on the cattle industry because â€Å"it is extremely hazardous for politicians to take on the U. S. beef industry† (LA Times, 1). Therefore, researchers are being forced to develop ways to reduce greenhouse gas emissions even as the demand for meat and dairy continues to increase. Cows have â€Å"four stomachs† and the â€Å"first stomach is called the rumen† and this is where the methane problem lies (LA Times, 1). â€Å"The bacteria in the rumen produce methane† that is released through both ends of the cow (LA Times, 1). Scientists are currently working on a type of feed that are more â€Å"energy efficient and generate less methane† as well as experimenting in order to â€Å"produce a less gassy breed of cattle† (LA Times, 1). As mentioned in the beginning of the paper, researchers are also scrambling to devise ways to reduce the contribution of manure to the overall greenhouse gas emission problem such as â€Å"storage methods and temperature† (LA Times, 1). This correlates with the research studies presented in the beginning of the paper because this research supports the notion that finding better storage methods and controlling the overall temperature of the manure can have a positive effect on the reduction of greenhouse gas emissions. Conclusions The majority of attention has been placed on the role that automobiles and airplanes play in degrading the integrity of the environment. However, few people realize the negative impact that the livestock industry has on the overall quality of the environment. It is much harder to place blame on human activity associated with driving and flying and ignoring the impact that human activity with regards to eating has on the environment. As the demand for quality beef and dairy products continues to increase so will the greenhouse gases emitted by increasing numbers of cattle herds. Humans can help reduce this impact by cutting their red meat consumption and making more sustainable choices with regards to their eating habits. This can go a long way towards improving the situation while scientists work diligently towards creating a solution that will ensure that beef demands be met while also reducing overall impact on the earth. Bartle, John R. â€Å"The Sustainable Development of U. S. Air Travel. † Public Works Management and Policy 10. 3 (2006): 214 – 224. Environmental Protection Agency. â€Å"Greenhouse Gas Emissions. † 2009. 27 April 2009 http://www. epa. gov/climatechange/emissions/index. html. Food and Agriculture Organization of the United Nations. â€Å"Livestock a Major Threat to Environment. 29 Nov 2006. 27 April 2009 http://www. fao. org/newsroom/en/news/2006/1000448/index. html. Hao, Xiying; Chang, Chi; Larney, Francis J. â€Å"Carbon, Nitrogen Balances and Greenhouse Gas Emission During Cattle Feedlot Manure Composting. † Journal of Environmental Quality 33. 1 (2004): 37 – 45. Hao, Xiying; Chang, Chi; Larney, Francis J. Travis, Greg R. â€Å"Greenhouse Gas Emissions during Cattle Feedlot Manure Composting. † Journal of Environmental Quality 30. 2 (2001): 376 – 387. LA Times. â€Å"Killer Cow Emissions. † LA Times 15 Oct 2007. 27 April 2009 http://articles. latimes. com/2007/oct/15/opinion/ed-methane15.

Effective Pedagogy for Early Childhood

Effective Pedagogy for Early Childhood For the purpose of this study an activity has been planned by the author and introduced within the authors own work setting. Any learning intentions will be evaluated and consideration given to any learning opportunities offered to establish the successfulness of implementation of the activity. All planning will be developed using the guidance of the Early Years Foundation Stage (DCFS, 2008), consideration given to the differentiation of children`s needs and variety of pedagogical approaches required. Research will be undertaken to establish the considerations given in planning to the Early Years Foundation Stage Principles, themes and commitments supported by relevant theory and research findings . Research will be undertaken into different theorists and how their findings may influence current practice within the workplace. A video recording will be made to capture all interactions and opportunities utilised for shared, sustained thinking. Opportunities for the development of language, and diversity of learning will be evaluated and assessed with the help and guidance of the settings manager. The Early Years Setting The area used for the planned activity is within the main room of a Foundation Unit which caters for children who are aged three to five years old. The area chosen is within the creative part of the setting allowing access to all materials and equipment available. The area has been prepared for the activity, all resources have been prepared and organised adhering to the health and safety guidance of the setting. The aim of the activity is to establish a child`s ability to handle tools and objects safely and effectively, this has been achieved through the provision of a variety of equipment and materials supported through the interaction of the early years practitioner. Planning has been differentiated allowing for children of lower abilities to be included within the activity, and different strategies implemented in order to cater for individual developmental needs. This is in line with the aims and principles of the EYFS approach to learning. Good planning is important for effective practice in order to give a varied and progressive approach to learning. It enables practitioners to build on their own personal skills and knowledge and enhance development within practice. The EYFS (DCSF, 2008) recognises the significance of planning and observation as a method to inform practitioners, building on experiences of children and enhancement of any learning opportunities. Activity `Bubble Balloons (Appendix a) Planning implemented to develop an activity that would support the existing theme of work within the setting ` Transport; In the Air , and previous week`s observations was developed . Consideration was given to the development of different levels of learning ,with the inclusion of a lesson plan to support the original theme. A copy of the lesson plan was then given to the manager who will observe the activity and make notes which will evaluate the success of implementation, development of language and any other relevant information . This activity was planned for implementation within the main room of the setting. A mixture of six children aged three to five years old were invited to participate. The children were given aprons to protect their clothes and the activity introduced by the practitioner. Different techniques, materials and processes were modelled, and encouragement given to make independent choices. The purpose of the activity was explained, describing any learning intentions and relevance of the activity to the settings main theme. An example of a finished product was shown to aid visual awareness of children present. Opportunities to discuss the activity allowed the children to establish clarity of the adult`s expectations. Following safety guidelines a cup and jug of water were placed on top of the table and each child given a straw. Children were asked to initially blow through a straw into a cup of water to establish their ability to blow and not suck. Following this assessment the practitioner was able to ascertain which children required the alternative strategies for the activity. The differentiation of planning enabled less able children to access finger paints and decorate balloon templates instead of bubble painting. It is the responsibility of early years providers to focus on each child`s individually learning development through the differentiation of planning and ensuring positive attitudes to diversity, as stated in the EYFS Statutory Framework (DCSF, 2008). The children were encouraged to experiment by individually blowing through the straws into pots of coloured paints, pressing a blank paper balloon template onto the pot observing the various patterns created. This process was then repeated building up the density of paint onto the paper. This is an activity that is supported by the EYFS Early Learning goals for Knowledge and Understanding (DCSF, 2008), which encourage children to explore and investigate materials using all their senses as appropriate. Opportunities for the practitioner to observe the childrens reactions to the stimuli and note any `wow moments enabled evidence to be collected and reflect on the outcome of the activity. Throughout the activity encouragement was given to talk about changes of textures, colours and different techniques used. When finished, children offered ideas and suggestions to what they could do next to improve or extend the activity. Guidance and support of the practitioner was offered when required, enabling children to input their own ideas encouraging independent thinking, confidence and development of cognitive skills. Following this discussion the children began to independently decorate square pieces of card using a variety of materials of their own choice. With support from the adult the children attached the balloon template to the `basket with a variety of methods of their choice. Opportunities at the end of the activity were given to discuss as a whole the different methods used, and opportunities given for the children to share their finished `balloon. This allowed the children to share in their own creativity, thoughts, feelings and ideas with their peer group. This activity was observed, recorded and assessed throughout by the manager of the setting. Notes were made of actual interactions for accurate study. Use of appropriate language and expansion of language was recorded and suggestions made to alter or support the pedagogical approaches used. An opportunity to discuss the findings with the manager at a later date allowed a collaboration of ideas to be shared, and any advice given to be built upon and implemented in future practice. Pedagogical Approaches Throughout the activity consideration was given to the language used and opportunities for children to interact freely through exploration and experimentation. An introduction to the activity giving clear, positive instructions and expectations helped the children to follow a clear guideline of the task ahead. This` modelling is identified in the Effective Early Learning (EEL) Project (Pascal and Bertram, 2001) in the three key parts of adult interaction which impact directly in a child`s learning; effective interactions, sensitivity and freedom to learn and explore independently. The introduction of a finished product gave the children a visual aid to illustrate what was required. Visual aids illustrates a different approach that will support communication together with the spoken word. Bruner(1983) describes the relationship between adult scaffolding, learning and a child`s level of language development. However Trevarthan (1998) describes that without a child`s own desire to learn or participate, progress will be impaired requiring practitioners to develop an awareness into supporting these needs, giving opportunities for children to freely express their individual intentions. Visual aids, body language, sharing and communication all illustrate a holistic approach to learning and is encouraged within the main principles of the EYFS Framework (DCFS, 2008). This is shown in the differentiating of planning for the activity for children who have identified barriers to learning and whom may require more adult support . Through utilising a mixed and multi-sensory approach to learning, various pedagogical approaches have been illustrated. Using visual, auditory and tactile resources allow the children to fully participate in the activity in a calm, safe and structured environment. This can be shown through the child`s enthusiasm and interest illustrated. This process is described as `VAK; Visual, Auditory and Kinaesthetic aids. (DfES , 2004) Evaluation Of Manager (Appendix b) As shown in appendix b, the manager has bullet pointed many positive aspects for competent teaching and an ability to deliver a clear, precise but informative lesson was identified. The delivery of the lesson was highlighted and described as fun and exciting, with children eager to learn and participate. The use of this type of communication is described as `conversational scaffolding, the importance of the practitioners role in supporting and motivating the children is reinforced through stimulating the children`s interests and empathy shown to their feelings and interactions. A belief illustrated in the Effective Early Learning (EEL) project (2001). The manager was able to identify that a deep understanding into the methods and resources for the activity had been achieved through the introduction of the lesson plan, resources and ability to deliver a clear, but informative introduction to the activity. The use of different techniques and skills introduced to the children were identified allowing the children to explore freely within their own creativity. Language was used to expand the children`s ideas and children given encouragement to experiment at their own level of learning through adult scaffolding, and open- ended questions. The targets identified to improve pedagogical approaches within practice were to give the children more freedom to answer, using their peers to discuss their work and during this discussion to focus more on the questions given to the children in order to allow more child led learning. Reflective Evaluation Following this activity I was able to stand back and reflect on my professional capabilities and approach to the pedagogical methods used. I feel that I had successfully researched data, implementing my own learning skills and knowledge into the lesson plan. The EYFS guidelines (DCFS, 2008) were followed during the planning process, and developmental guidance taken into the provision of age related targets for planning. A deep understanding of any learning intentions was acquired in order to plan accordingly for a child`s individual developmental needs by following the EYFS framework. Through discussion with colleagues the effectiveness of the activity was evaluated and different pedagogical approaches discussed in order to develop professionally with the workplace. Throughout the activity an holistic approach to learning ensured that all the children could freely communicate, think about their intentions and enhance any physical skills through their own creativity. Support and guidance was given when required encouraging the children`s own experimentation. This is a theory supported by Erikson (1963) whom believed that children would reach their full physical and intellectual potential allowing a balance of learning opportunities and adult intervention. Whereas Bruce (1991) identifies the importance of free play to enable a child to be in control without restrictions. I feel that through the provision of adult support and opportunities for experimentation, a happy, safe and secure medium has been achieved within this activity. The aims and objectives intended for the activity were reached effectively, the children competently handled all the necessary tools and materials safely. A diversity of learning was achieved through the differentiation of planning, complying with the principles identified in the National Curriculum (DFEE,1989) overcoming potential barriers to learning by responding and planning according to a child`s individual learning with the inclusion of suitable but achievable learning challenges. I found that the activity was successful, all health and safety issues were taken into consideration, children were individually assessed to ascertain developmental capabilities, and differentiation in planning enabled all children to participate in the activity according to individual levels of development. The activity seemed to flow along without any major alterations and I was able to respond and support all language and skills required. I have established that the process of planning, ability to identify certain developmental areas in need of focus, observation within practice, group collaboration and reflection vital to my own professional development. This method of reflection is described by Schon (1983) as reflection- in- action. Conclusion Pedagogical approaches in the Early Years are essential in the provision of effective practice. In order to promote pedagogy, a practitioner must be able to demonstrate a good knowledge and understanding into the principles, aims and content of the EYFS framework and successfully implement them within practice. Planning, observations and assessments are all influenced through the ability to adapt intentions according to the holistic approach encouraged by the EYFS. An ability to understand a child`s individual developmental needs and focus on appropriate learning objectives aid in the provision of appropriate pedagogical resources, activities and interaction within the setting . Different theorists and government legislations have influenced the delivery of the EYFS; the Effective Early Learning (EEL) Project (Pascal and Bertram, 2001), National Curriculum (DCFS, 1989) have impacted on the role of an early years practitioner through their different approaches to a child`s learning and development. A need for on- going development ensures that all early year practitioners need to be aware of current policies and procedures that may impact on practice within the workplace. It has been established that through collaboration with colleagues a better understanding into different strategies would improve practice within the workplace and steps to improve these factors will enhance any further professional development. Word Count; 2,200 References Department for Children, Schools and Families (2008) Practice Guidance for the Early Years Foundation Stage. Nottingham : DCFS Publications. Department for Children, Schools and Families (2008) Statutory Guidance for the Early Years Foundation Stage. Nottingham: DCFS Publications. Bruner,(1983) in Pound, L (2005) How Children Learn. London: Step Forward Publishing Ltd. Department for Education and Employment (1989) The National Curriculum. London: HMSO. Department for Education and Science (2004) Primary National Strategy Excellence and Enjoyment: Learning and Teaching in the Primary Years: Section 3- Diverse Learning Needs. London: DfES. Erikson, E (1963) Childhood and Society. Harmondsworth: Penguin. Pascal, C and Bertram, A (2001) The Effective Early Learning ( EEL) Project: Achievements and Reflections. London: House of Commons. Schon, DA(1983) The Reflective Practitioner: How Professionals Think In Action. New York: Basic Books. Trevarthan, C. (1998) The Child`s need to learn a culture in, Woodhead, M., Faulkner, D. And Littleton, K. Cultural Worlds of Early Childhood. London: Routledge/ Open University Press.

Opposites Attract :: essays research papers

Opposites Attract On November 17, 1998, I walked into the halls of Towers High School for the very first time. Nervous and afraid, I was introduced to the eight grade class president, John Hamilton. John was both charismatic and charming. He was the type of guy everyone wanted to be around because he gave off a feeling of security and warmth. When I first met Him, John made me feel welcomed. He opened his heart to me and from that day on, I looked for friends willing to do the same. As I grew older, I met two of the most converse individuals in the world. When I was first introduced to Chris and Desmond, I did not know what to think. Everyone said that they were best friends, but for some strange reason I just could not understand why. As time passed we became closer and we grew fonder of each other. We did just about everything together. Then finally, after all the years of questioning their relationship, it finally hit me, opposites attract. Chris grew up in a stable home with a mother, a father, a sister, and an older brother. He learned how to live life very differently than anyone I’ve every met because he had to learn how to provide and to survive on his own. Even though he had both a mother and a father living with him, they still did not have enough money to provide everything for him immediately after his birth. He learned how to be independent and that has made him the person he is today. When he was fourteen, his family moved from a low income neighborhood to an upper middle class neighborhood. From rages to riches, some people might say, but that was not the case. Chris was still the same cheap guy. Chris has the type of personality that I absolutely hated when I first met him. He said things that were true, but uncalled for at the time. He just told the truth no matter what or who might got hurt. I honestly could not stand him for that. As we became closer I began to understand that was a very outspoken individual, who never held back. And now I really appreciate that about his character. Chris is my balance in life. Whenever I’m on cloud nine, he always brings me back to reality. Desmond is also my best friend.

Sichuan, China: An Earthquake that Brought Together Local, National, an

The Sichuan province in mainland china has had a long history of seismic activity. On May 12th, 2008 the village of Wenchuan County located in Sichuan province was struck by an 8.0 magnitude earthquake. According to the State Council Information Office, the causalities from this disaster were approximately 70,000, with approximately 10,000 confirmed to have been school children, whose deaths resulted from 7,000 collapsed classrooms and 18,000 more individuals, were reported missing (Teets, 330). The earthquake which struck Wenchuan County resulted in bringing together relief efforts from local, national, and international communities. A few examples are: Non-Governmental Organizations (NGOs), Volunteer crews, Military efforts, Sichuan airlines, Red-Cross and many donations from international communities. These relief efforts, a result of strong government communication also, led to strengthening the devastated village and the nation of China. The involvement in recovery effor ts strengthens civil society’s individual capacity through mass networks of volunteers and donors, learning new skills in project management, and demonstrating to the government potentially positive roles the community can do. Relief efforts by groups help to build trust and connect potential volunteers and donors on behalf of foreign governing institutions. This essay aims to discuss these efforts in greater detail and provide numerous examples of successful recovery projects in Sichuan province. The earthquake which devastated Wenchuan County was a result of stress built up between the colliding Indian plate and Eurasian plate tectonics. This disaster left more than 4.8 million residents homeless in this village, ironically the 2008 Beijing Summ... ...struction efforts: the emergence of civil society in China?." The China Quarterly 198 (2009): 330-347. Vià ±a, Andrà ©s, et al. "Effects Of Natural Disasters On Conservation Policies: The Case Of The 2008 Wenchuan Earthquake, China." AMBIO - A Journal Of The Human Environment 40.3 (2011): 274-284. Academic Search Complete. Web. 31 Mar. 2014. Ying, Liang, and Wang Xiukun. "Developing A New Perspective To Study The Health Of Survivors Of Sichuan Earthquakes In China: A Study On The Effect Of Post-Earthquake Rescue Policies On Survivors' Health-Related Quality Of Life." Health Research Policy & Systems 11.1 (2013): 1-21. Academic Search Complete. Web. 31 Mar. 2014 Zhang, Xia, et al. "The NHV rehabilitation services program improves long-term physical functioning in survivors of the 2008 Sichuan earthquake: a longitudinal quasi experiment." PloS one 8.1 (2013): e53995.

Simplicity in a Clean Well Lighted Place Essay -- essays research pa

Ernest Hemingway is known as one of the best writers of our time. He has a unique writing style in which he manipulates the English language to use the minimum amount of words and maximize the impression on the reader. A Clean, Well-Lighted Place is a prime example of this. Here, Ernest Hemingway uses his writing style to reinforce the theme of â€Å"Nada†. The setting is simple, the characters are plain, and the dialogues among them are short and to the point. It is with the absence of similes and metaphors that the reader is able to appreciate the work for what it is. Ernest Hemingway does not feel the need to give much detail on the setting. The reader knows that it is late and that these men are in a cafà ©. The main character is sitting in the shadow and he is drinking brandy. Hemingway leaves out details from the setting but does make it clear that this cafà © is, like the title suggest, clean and well-lighted. He only states important aspects of the setting demonstrating that details are nothing: nada. Through his writing Hemingway implies that this old man feels that little details in the world mean nothing. When the older waiter asks the younger waiter why this drunken man had tried to commit suicide a week before, the younger waiter simply answers â€Å"Nothing. He has plenty of money.† In the young waiters mind this old man has everything. Obviously, this old man feels that things like money are nothing and thus not worth living over. Ernest Hemingway, through the lack of deta...

Speech Summary

Hannah Smith 30 December 2012 Clinton Speech Summary The main idea of William J. Clinton’s speech â€Å"Remarks to the Convocation of the Church of God in Christ† is that the United States is becoming more violent every day, many innocent children are dying every day, and that he wants the American people to start doing something about it. In his speech Clinton spoke at the church where Martin Luther King Jr. last delivered a sermon about freedom. Clinton used the opportunity to address issues of crime, violence, and family as he launches his plans to make America safer for future generations.He addressed many stories where young kids were being killed and being violent towards others. Clinton’s main argument is that the people of America need to lower the crime rate in the United States and make health care available for everyone. In his speech, Clinton claims in lines 62 and 63 that a hundred and sixty thousand children stay home from school every day because t hey are scared they will be hurt in their school. Clinton is saying that violence and crime is affecting many of the children here in America. In line 19, Clinton claims that the American family is being destroyed.Clinton is claiming this as he is reenacting what Martin Luther King would say if he was still present on this Earth. In line 58, Clinton backs up his argument that we need to lower the crime rate by stating a statistic that more than 37,000 people die from gunshot wounds in this country every year. He also says in line 20 that gunfire is the leading cause of death in young men. The audience of this speech is the people of America, the members of the church that Clinton is speaking at, and anyone that is willing to make a change in America.For example in the speech Clinton specifically mentions â€Å"so I say to you today, my fellow Americans, you gave me this job, and we’re making progress on the things you hired me to do†. In lines 147 to 149, Clinton talks about how the people of the church should stand up for what is right because they are filed with the spirit of God. Towards the end of Clinton’s speech he talks a lot about the things he would like the audience to do and accomplish. In lines 149 and 152, he says that he wants the church to make a partnership.He also says that he wants America to be there to give structure, discipline, and love to the children of America. In the last two paragraphs of the speech Clinton talks about how he wants the audience to recognize that the ravages of crime and violence are due to the breakdown of families, communities, and the disappearance of jobs. Clinton also tells the people to honor the life and work of Martin Luther King and to honor the meaning of the church. He wants the people to replace guns with books, give the children a future, take away despair and give hope, and rebuild families, neighborhoods, and communities.

Comprehensive Problem: Service Industry Essay

Objectives award application of accounting concepts pertaining to a serving company, including the followingselection of credit line form, ledgerization and broad public opinion poll of daily transactions,creation of unadjusted ladder balance,adjustment of the accounts to properly report changes in balances, creation of financial statements,completion of the completion process with appropriate closing entries and observation to T accounts, determination of book measure for fixed as desexualises, anddiscussion of companys financial position.As you work through this problem please refer to the Penn asseverate rules regarding Academic Integrity. It is very important that you aver your sources.Part 1 5% of duty assignment GradeMonica door guard loves photography and wants to lower her own company. She is single, 26 years old, and lives in an apartment in Nicetown. She has a employment as a clerk in a grocery store that shortly pays her living expenses. Her dream is to be a portrait photographer specializing in events such as weddings, birthdays, graduations, etc. She has saved $10,000 to get weaving this endeavor. She knows nothing about accounting and has hired you to provide her with accounting services as well as guidance in starting this business. This first task is to shape which business organization entity she should choose. Please formulate the different business formats and which one you would signal for her business, which will be named Portraits by Porter (PBP).Part 2 85% of assigning GradeMonica has followed your advice and on January 11, 2012, she deposited $10,000 into a business bank account for PBP and started pursuing her dream. It has been a hectic year, and in June Monica contacts you to ask your advice in helping her to determine whether she can withdraw from the grocery store and work the photography business full time. She provides you with a listen of the things that have happened during the past 6 months. She has util ise for a small business bring of $25,000 and has been told by her banker that sheneeds a set of books (whatever that means) and financial statements (?) along with a leaning of her fixed assets at book value. The banker told her that the books should be closed for the year as end June 30, 2012, with corresponding financial statements.1. grow the daybook for the transactions and post these to the T accounts (45 pts).2. piss the unadjusted trial balance (5 pts).3. get to the necessary adjusted journal entries (6 pts).4. Create the adjusted trial balance (5 pts).5. perpetrate the financial statements income statement, retained earnings, and balance sheet (15 pts).6. Close the books using appropriate journal entries with T accounts (5 pts).7. Determine the BV of the fixed assets (4 pts). situation 3 10% of assignment denounceDiscuss the economic position of BPB and what you would project Monica concerning her job at the grocery store.