Writing Academic Papers

What is your opinion about composing scholarly papers? In the event that you have delighted recorded as a hard copy previously, what did you like about the way toward composing? On the off chance that you have not delighted in it, why not? Did you have any of the confusions about composing talked about in Chapter 1 of the content? What did you realize in the section that you think may be useful to you recorded as a hard copy papers here at Ashford University? I don't care for composing scholastic papers. It is very tedious and some require doing a ton of exploration on the topic.I don’t like compose papers on the grounds that the subject isn't important to me in some cases. I additionally think that its somewhat hard to do a proposal explanation. In perusing Chapter 1, â€Å"many composing specialists recommend keeping an individual diary or a journal to enable you to comprehend what you have perused and to hone your composing skills† (Sole, 2010). I’m going to b egin journaling in any event two times per week to help improve my composing aptitudes. Sole, K. (2010). Basics for College Writing. San Diego, Bridgepoint Education, Inc. ttps://content. ashford. edu After considering the dynamic perusing methodologies in Chapter 2 of the content, read Chapters 1 and 2 and your Instructor’s Guidance for Week One once more, applying the SQ3R procedure as you rehash the materials. Talk about how this perusing procedure is comparable or unique in relation to the manner in which you read the material beforehand. Do you think this procedure improved your understanding of the course materials? Talk about whether the technique will or won't be useful to you in your school courses?SQ3R represents Survey, Question, Read, Recite, and Review. â€Å"Survey intends to skim headings, subheadings, section synopsis, diagrams, and tables in text; Question the headings and subheadings into questions; Read to discover the solutions to your inquiries and recor d the appropriate responses by featuring, underlining, or taking notes; Recite and sum up what you realized by telling another person or recording it; and Review by returning and perusing your notes or data that you featured or underlined to einforce learning and to submit the data to memory† (Sole, 2010). In the wake of perusing Chapters 1, 2, and the Instructor’s Guidance for the subsequent time and applying the SQ3R procedure, I can say that I follow this rule as I’m accomplishing school work. I think it is a decent and accommodating technique to follow and will improve how you appreciate whatever you’ve read. Sole, K. (2010). Fundamentals for College Writing. San Diego, Bridgepoint Education, Inc. https://content. ashford. edu

Short Mothers Day Quotes for Emails or Cards

Short Mothers Day Quotes for Emails or Cards The mother-kid bond is too solid to be in any way dulled by separation. Regardless of whether you are miles from your dear mother, contact her with a mindful message. On the off chance that you have something increasingly expand as a top priority, here are a few thoughts. Why Use Mothers Day Quotes Normally, it isn't too hard to even consider picking a present for moms. Moms are not particular animals. Youd barely meet a mother who might disclose to her child, Honey, Id truly like the perfect silver cutlery I saw at Macys. Despite what might be expected, she would for the most part say something like, Oh, darling, dont waste time with these costly blessings. All I need is to invest energy with you. So heres the insight: Your mom needs you. Your mom, however she merits much more, needs only a tad of your time. In the event that you need to be insightful, write her a couple of Mothers Day statements to cause her to feel exceptional. Offer some upbeat minutes with her, perusing these superb statements about moms. Discussion about your lovely beloved recollections, and watch her eyes go dim with those recollections. That is the means by which you can make your mom the most joyful lady on the planet. Jane SellmanThe express working mother is redundant.Spanish ProverbAn ounce of mother merits a pound of clergy.Bill WattersonMothers are the need of invention.Harriet Beecher StoweMothers are intuitive philosophers.Jewish proverbA mother comprehends what a kid doesn't say.James Russell LowellThat best institute, a moms knee.D. W. WinnicottThe antecedent of the mirror is the moms face.Henry Ward BeecherThe moms heart is the childs school-room.Jill ChurchillThere is no real way to be an ideal mother and a million different ways to be a decent one.William Makepeace ThackerayMother is the name for God in the lips and hearts of little children.George WashingtonAll I am I owe to my mother.Lisa AltherAny mother could play out the employments of a few air-traffic controllers with ease.Ian NelsonMommy mind: when your dim issue transforms into silver hair.Moorish ProverbEvery bug is a gazelle according to its mother.Abraham LincolnAll that I am or ever want to be, I owe to my blessed messenger Mother.The Golden GirlsIts difficult being a mother. On the off chance that it were simple, fathers would do it. J. D. SalingerMothers are all somewhat insane.Ed AsnerRaising a child is part delight and part guerilla warfare.Lin YutangOf all the privileges of ladies, the best is to be a mother.

Holder in Due Course Case Study Example | Topics and Well Written Essays - 1250 words - 47

Holder in Due Course - Case Study Example For the situation study, Talcott sent a check for $5700 on January fifteenth to Guarino, who introduced it to Stuart Any Kind Store for money. For this situation, Guarino was the holder or conveyor of the check. Endless supply of the legitimacy of the check from the cabinet, the check was endorsed for getting the money for of $5700 check. Any Kind liquidated the Guarino’s check in the wake of deducting the administration charge of 3 percent or a worth equal to $171. All together for the holder to qualify as the holder at the appointed time, they more likely than not acquired the instrument in accordance with some basic honesty (Mann and Roberts, 2013). For this situation, Any Kind Store turned into the holder at the appropriate time of the $5700 check in the wake of paying the estimation of the check to the holder. Any Kind Store was the owner of a debatable instrument which they had taken for esteem and in compliance with common decency. They had given a thought comparable to the presumptive worth of the check less a 3% rebate charges to the holder of the check as per the prerequisites for the holder at the appropriate time. When Guarino introduced the second check for liquidating to Any Kind Stores, the bookkeeper called upon the individual who had endorsed the primary check so as to affirm for the installment. They called Talcott the cabinet to affirm the legitimacy of the check. The cabinet endorsed the $5,700 check for installment after which Any Kind got the money for the holder. In such manner, Any Kind turned into the holder at the appropriate time since they had practiced proper consideration to guarantee the check was substantial and without deformity. Nonetheless, they didn't make a request to about the legitimacy of the $10,000 check of which they had just changed for Guarino.

Rebrand Your Company with these 19 Branding Questions

Physics is to Albert Einstein as branding is to David Brier. A walking, talking brand himself, David Brier graced our screens three weeks ago for a webinar that divulged the 19 questions every organization should ask before rebranding. I have to admit, I expected all the clichà © questions: Who is our audience? What is our core strength? Yadda, yadda, yadda. But David proved he isn't a world-renowned rebrand expert for simply stating what I already learned in Marketing 101... he's world-renowned for asking the kind of questions that require intense (organizational) introspection. Questions that actually make you think. Intrigued? Watch the full webinar here and read to follow along. David Brier's draw can probably be attributed to his three decades of branding experience, but on a personal note, I think the bold, in-your-face personality may have a little something to do with it too. Case in point? "I've been compared to a triple-shot espresso." His words, not mine! Now... sit back, relax, and let me take you on a journey through David's mega-marketing mind as I summarize some of the insights we learned during his webinar. And remember, you can always just watch the recorded webinar in full if you'd rather hear it straight from him. Why do companies rebrand? Here's a shocking fact: For some reason, we as marketers can forget this minor detail. Entire populations who were once our brand loyalists don't stay that way forever. They're replaced by an entirely new generation of new human beings with new opinions and needs. Which means you need new messaging. In David's words: "With today's technology, these changes are happening faster than ever. To stay relevant, sometimes the correct strategy is a rebrand." So we embrace the fact that the world constantly changes, we stay relevant, and we resonate with the new generations as they come. Easy, right? Well, as David points out, companies repeatedly struggle to pull off an effective rebrand. It's that wall. No matter how hard you market and how targeted your campaigns are, there still seems to be a disconnect between you and potential customers. The problem? Clichà ©s. David explained how certain phrases like "state of the art," "knowledgable staff," and "caring customer service" (who talks like that, anyway?) can alienate companies from their audience and be too predictable to hold interest. More importantly, clichà ©s distract from good branding. Branding the right way According to David, the definition of good branding is good differentiating. No surprise there, right? Stand out from the competition and potential customers will notice you more. As David reminds us: "Differentiating is not a luxury. You differentiate if you want to survive." You differentiate if you want to survive. Now that's a bold statement. He's got a point, though. The great thing about David is that he doesn't make a bold statement without something to back it up. In this case, that something is a slew of real-world examples. Real brands that had real problems until he swooped in and differentiated the heck out of them. I'll let you discover the intriguing before-and-after brand transformations when you watch webinar in full. The 19 rebranding questions The stage has been set. We understand why companies rebrand, what branding is, and why it matters. Now for the hard part—how to actually go through with a rebrand. It's about time we dive into the 19 questions, isn't it? I'll cover the first five questions here. If you want the remaining 14, I'll let you watch David reveal the rest himself. Rebranding question #1: Why are we doing a rebrand? Seems like an obvious question, but as David points out, many companies make the mistake of rebranding simply to rebrand—to be "prettier" and to change things up. But rebranding is not worth the time and money if it doesn't revolve around strategy and relevancy. Rebranding question #2: What problem are we attempting to solve? Does your packaging get lost on the shelf? Is your product not valuable to customers once they get it? Figure out the problem you are trying to solve, and let rebranding help fix that problem. If you don't have a clear objective to your rebrand, rebranding really won't do you much good. Rebranding question #3: Has there been a change in the competitive landscape that is impacting your growth potential? As much as we'd like to think our brand isn't impacted by the decisions of other brands, it is. No brand exists as an island. You always have to be watching the landscape around you, and be nimble and fluid in response. Rebranding question #4: Has our customer profile changed? Yesterday's innovation becomes today's normal, and new innovations can drastically change our customer profile. Don't blindly base your strategy on information that could have been relevant for your audience five years ago but has no place in your brand today. Rebranding question #5: Are we pigeonholed as something that we (and our customers) have outgrown? Many times, businesses evolve as they grow. They start out with a certain focus, then shift that focus as time goes on. For example, a 25-year-old dance institution that still used a ballet dancer in their logo admitted to David that ballet now accounted for only 15% of their training. It's a prime example of a brand pigeonholing themselves by not keeping up with their own evolution and growth in their branding. As for the last 14 questions, they really are worth reviewing. David's tips are chock-full of insights that get you to fight for your rebranding strategy—to really have a reason for how and why you're doing it. A true rebrand should be hard—it should challenge your fundamental beliefs about your organization and spark new ideas of how to better hone in on the core value it provides. Thinking about a rebrand? If it's time for a brand intervention, you won't want to miss our webinar with branding expert David Brier.

Marketing Of Marketing And Customer Value - 1473 Words

Introduction As the market expands into global size, companies are facing more competitions than before. How can they exceed their competitors becomes important. Under this situation, the marketing plays an important role in leading the companies to correct and effective pathways. In the following part, the concept of the marketing and customer value will be explained in detail and how the relationship between them works. The importance of marketing Marketing is often defined as a series of processes for establishing, communicating and attributing value to customers and for managing customer relationships in order to benefit the organisation and its stakeholders.’ (Kotler, Burton, Deans, Brown Armstrong, 2013) To make the long words short, marketing is a human activity, which aims at satisfying needs and wants through exchange processes (Kotler, Shaw, FitzRoy, Chandler, 1983). Although not all companies hold positive attitudes toward marketing, the majorities of companies are willing to develop marketing as it is extremely vital for the success of the company in promoting the sales, increasing the awareness and building customer trust. Sales can be promoted largely due to the marketing. When people know a company through television or advertisements, they become the potential customers of that company. If the marketing department is doing their job properly, the customer will be persuaded by the advertisement and tends to purchase that company’s products. CompaniesShow MoreRelatedMarketing And Customer Value And Marketing1556 Words   |  7 Pagesof marketing to company, explanation of the concept of customer value and how the connection of customer value and marketing is adopt by the company. In particular this essay will focus on the example of the new Fitbit Alta, an activity tracker wristband than released in March 2016. The discussion of the concept of marketing and customer value will contain discussions in relation to the presumption that marketing is an ongoing process of facilitating information and resources to create value forRead MoreCustomer Value Marketing1775 Words   |  8 Pagesbased on th e study of â€Å"Customer Value Marketing† starts with introduction section. We have mentioned the contents of the study in objectives of the report section. The methodology section deals with the means of preparation of this report and the processes that we have followed. Then the report describes the theoretical aspects of the study in the literature review. This section mainly consists of brief description about different important topics about customer value marketing. Finally in the lastRead MoreCustomer Value Marketing1775 Words   |  8 Pagesbased on the study of â€Å"Customer Value Marketing† starts with introduction section. We have mentioned the contents of the study in objectives of the report section. The methodology section deals with the means of preparation of this report and the processes that we have followed. Then the report describes the theoretical aspects of the study in the literature review. This section mainly consists of brief description about different important topics about customer value marketing. Finally in the lastRead MoreMarketing, Customer Value, and the Link1750 Words   |  7 Pagesto acknowledge the fact that business now revolves around customers (Keith, 1960). As a result, marketing becomes one of the most prominent philosophies in business. Therefore, to get a better understanding of today’s business, this essay will be discussing about three important concepts. These concepts are marketing as a business philosophy, the understanding of customer value, followed by the link between marketing and customer value. In addition, this essay will be using the Village â€Å"Gold Read MoreCustomer Relationships And Value Of Marketing1782 Words   |  8 Pagescan build strong customer relationships and value through marketing, and the success of marketing relies on satisfying the customers’ wants and needs by providing them with the best price, product, or service. The American Marketing Association defines marketing as, â€Å"The activity, set of institutions, and processes for creating, communicating, delivering, and exchanging offerings that have value for customers, clients, partners, and society at large.† This exchange between customers and a businessRead MoreRelationship Between Marketing And Customer Value1525 Words   |  7 Pagesbetween marketing and customer value and their relevance when promoting and ensuring customer satisfaction. It will discuss marketing as a business philosophy and its importance in organisations. The concept of customer value will also be examined and its significance to the success of a product. Throughout the paper, the Apple Watch will be drawn on to further explore the concepts and to put them into context. Marketing has been defined in a number of ways. Kotler (1983,p.7) defined marketing as aRead MoreCustomer Lifetime Value and Return on Marketing1459 Words   |  6 PagesCase Study: Conroy’s Acura: Customer Lifetime Value and Return on Marketing Case Summary: Conroy’s Acura was founded in November 1986 by Ross Conroy, a veteran of the car industry who also owned a General Motors dealership to open in Toronto and one of the first in North America. Located in downtown Toronto, Conroy’s Acura sold both new and pre-owned vehicles, and its service department was dedicated to Acura Products. Conroy’s Acura was an independently owned dealership that held a franchiseRead MoreMarketing Channels : Delivering Customer Value1706 Words   |  7 PagesMarketing Channels Delivering Customer Value Amazon’s innovative distribution strategy: From online bookstore, to diversifying to sell DVDs, Blu-rays, CDs, video downloads/streaming, MP3 downloads/streaming, audiobook downloads/streaming, software, video games, electronics, apparel, furniture, food, toys, and jewelry. The company also produces consumer electronics—notably, Amazon Kindle e-readers, Fire tablets, and Fire TV—and is the world s largest provider of cloud infrastructure servicesRead MoreThe Importance Of Marketing And Concept Of Customer Value1385 Words   |  6 PagesThe concept of marketing has always been debated since it was recognised as a distinguished subject and field (Gamble, Gilmore, McCartan-Quinn Durkan, 2011). With time going by, under globalization and increasingly intensive globe competition, every organisation tries to improve their competiveness. Consequently, Marketing as a useful tool to achieve such kind of goals walks into organisational managers’ sight. Meanwhile, customers, as one of the most important parts of marketing, also deserve toRead MoreRelationship Between Customer Value And Marketing1801 Words   |  8 PagesMarketing improves people’s living standard, according to a statistic state that the GDP of Australian has a growth rate from 2010 (2.25%) to 2014 (2.73%), and it is forecasting to increase in 2016 (Australia - Gross domestic product (GDP) growth rate 2020 | Statistic, 2016). A growing trend of marketing creates more work opportunities for people. Based on that, more people operating marketing activities successfully for a business, and the total output of the business tend to increase significantly

Spreadsheet Function of the Spreadsheet

Question: Give the solution on a separate sheet (labelled Part a, Part b, and Part cPart d will appear on the Part a tab). spreadsheet should be clearly labelled and easy to understand. Include a description of the function of the spreadsheet. Remember to make sure you clearly identify the inputs and outputs. Please also include the step in each spreadsheet. Answer: Part A The following are the steps and inferences from the assignment given. Probability of S alive is 50% and hence his death probability is 1-50%=50% Probability that S is alive in year 2 is the probability that he is alive in year 1 and he is alive in year 2. Hence the joint probability is 50%*50% or 0.5^2=25%. Hence the probability of his death in year 2 is 1-25% or 75%. Similarly till year 30 S does not receive any coupon. Hence 0 will year 30. In year 35 assuming he is alive, he gets the principal of 1000,000. The expected value of this is P(alive)*1000,000+P(dead)*0. Take the NPV which is 1000,000/(1+7%)^30 or 93663. M bond person receives coupons irrespective of S dead or alive. But principal will be received only if S dead. So multiply P(S dead)*expected value of receipt. The coupon paid semi annually @ rate 9.8% is equivalent to an effective annual rate of 10% calculated as (1+9.8%/2)^2-1. Hence every year, M receives 1000,000*10%. Calculate the PV for 35 years comes to 1,388,441 Since SM bond S bond+M bond the total value is c+d or 1,482,104 Part B is same as Part A except face value is $ 1 and hence the investor needs $ 659 as retirement amount at the end of 35 years. Hence he has to buy 659 bonds Part B is same as Part A except that face value of the bond is 100 instead of 100,000

Night of Scorpion Essay Example

Night of Scorpion Essay Night of the Scorpio written by Nissim Ezkiel is an interesting verse form and the poet brings about a really appealing contrast between good and evil in it ; wholly giving the verse form an kernel of equality. The poet makes it a trouble-free undertaking for the readers to visualise the scenes with the appropriate usage of assorted imaginations. He has besides done a fantastic work of adding assorted different senses into the verse form. All the senses. ocular. odor. internal feelings and sound have been included. In this verse form we can see the scenes vividly with the aid of lines like. †¦to crawl beneath a poke of rice. and. Peasants came like drove of flies. Nissim Ezekiel is able to maintain are mind alive and engaged the full continuance of the verse form with the aid of lines like. Peasants came like drove of flies. When we read this line. we know that it is a simile and it help us to see how the provincials came along. But when think deeper we realize that it besides shows us that the storyteller does non look up to the sort of attention that the villagers are demoing. he merely wants them to go forth him and his household entirely. The ground the villagers are compared to flies is to demo precisely how exacerbating they are and that they are non welcome. merely like flies. We will write a custom essay sample on Night of Scorpion specifically for you for only $16.38 $13.9/page Order now We will write a custom essay sample on Night of Scorpion specifically for you FOR ONLY $16.38 $13.9/page Hire Writer We will write a custom essay sample on Night of Scorpion specifically for you FOR ONLY $16.38 $13.9/page Hire Writer The poet has made this verse form composite. which is ever a good thing. This can be proved because to depict the Scorpio he uses words like diabolical and The Evil One which show it as a diabolic animal. On the other manus he besides used lines like. goaded him to creep beneath a poke of rice and †¦ risked the rain once more. which brings about a contradiction as this line shows that the Scorpio is non at all the scoundrel. it is merely frightened. Among the many figures of address used in this verse form onomatopoeia is one of them. He has used this figure of address expeditiously. enabling us to hear the changeless noises that were made. The poet write that the villagers buzzed the name of god which once more stresses on the point that the noise and disturbance being made by the villagers was non at all welcome. The poet further draws the involvement of the reader by utilizing a figure of address to convey this message and non making it straight. He has besides written They clicked their linguas. which is another case of onomatopoeia. The component of odor is brought approximately because the poet has introduced tapers and firing oil in lanterns in his verse form every bit good. Nissim Ezekiel has made the mother’s experience of acquiring bitten by the Scorpio sound tormenting and ageless. He has conveyed this by utilizing some really descriptive authorship. illustration. May the toxicant sublimate your flesh of desire. and your spirit of aspiration. Nissim Ezekiel successfully built the tense atmosphere by utilizing merely a short sentence. My male parent. sceptic. positivist. seeking every expletive and approval. There is besides an case in which the poet uses initial rhyme. I watched the fire feeding on my female parent. This line has besides been able to construct up the complex nature of the verse form because of its double significance. We can merely state that the flame’ refers to flare of the paraffin or we can besides state that flame’ refers to the scorpion’s toxicant. The verse form ends sanguinely. with the female parent surviving and being grateful to god for doing her suffer and non her kids. After all the tense minutes of hurting. agony. anguish and fright. the verse form has a really affecting and warm stoping which proves the mother’s love for her kids.

Free Essays on Stupid Drivers

To Drive or not to Drive. In the world today driving a car or truck is one of the best methods of transportation, unfortunately people don’t know how to drive. People today speed around and cut you off, and slow down when they should speed up. They talk on their cell phones and completely forget where they are and realize they are about to miss their exit or they’re in the wrong lane, and quickly change lanes not even looking to see who is behind them. People also have the tendency to ignore construction zones and just speed by like there isn’t anyone there. Speed is a toy to most and people use it to cut you off or just to get to their destination faster. The only reason for their actions is for their own being. They don’t care where the driver next to him is going or how important it is, but can only think that that person is in the way of them and their destination. When people get cut off they tend to get really close to the other car and nearly cause a collision. In cases like this traffic either slows down or another wreck accurs. This makes a lot of people mad, and when they try and get even with the person that cut them off it again creates a bad environment. Speed isn’t always the problem, when people don’t drive the speed limit they just slow people down. When they drive slow in the fast lane they back up the traffic for a mile or two and make people mad. In a world that moves as fast as ours, slow drivers create a chaos on the road that makes it very hard to continue with our normal lives. When a slow driver enters the highway they always stop on the onramp, knowing very well that they can’t accelerate to match the speed of the other cars. People with fast cars have all the speed and power they need, but most times they will only do the minimum speed limit. Fast cars are meant to be in the fast lane. A new and very distracting problem is cell phones. Most every person owns a cell phone now an... Free Essays on Stupid Drivers Free Essays on Stupid Drivers To Drive or not to Drive. In the world today driving a car or truck is one of the best methods of transportation, unfortunately people don’t know how to drive. People today speed around and cut you off, and slow down when they should speed up. They talk on their cell phones and completely forget where they are and realize they are about to miss their exit or they’re in the wrong lane, and quickly change lanes not even looking to see who is behind them. People also have the tendency to ignore construction zones and just speed by like there isn’t anyone there. Speed is a toy to most and people use it to cut you off or just to get to their destination faster. The only reason for their actions is for their own being. They don’t care where the driver next to him is going or how important it is, but can only think that that person is in the way of them and their destination. When people get cut off they tend to get really close to the other car and nearly cause a collision. In cases like this traffic either slows down or another wreck accurs. This makes a lot of people mad, and when they try and get even with the person that cut them off it again creates a bad environment. Speed isn’t always the problem, when people don’t drive the speed limit they just slow people down. When they drive slow in the fast lane they back up the traffic for a mile or two and make people mad. In a world that moves as fast as ours, slow drivers create a chaos on the road that makes it very hard to continue with our normal lives. When a slow driver enters the highway they always stop on the onramp, knowing very well that they can’t accelerate to match the speed of the other cars. People with fast cars have all the speed and power they need, but most times they will only do the minimum speed limit. Fast cars are meant to be in the fast lane. A new and very distracting problem is cell phones. Most every person owns a cell phone now an...

EUROPEAN UNION Research Paper Example | Topics and Well Written Essays - 2000 words

EUROPEAN UNION - Research Paper Example ic debate regarding these two principal issues as well as related subject matter such as the European Union as an institutional system and political entity, the transformation of governance and the three aspects what are mentioned as preconditions for this transformation. Lastly, we endeavor to come up with a very rational assessment and analysis of the topics that we have chosen. The European Union has always been viewed as a positive development for Europe as well as the rest of the world. It has always been at the forefront in terms of governance, economic growth and progress, foreign relations, social development and the legal system. Decision-making is formulated by self-governing, supranational institutions or through the conduct of negotiations between member-nations. Some important institutions of the EU include the  European Commission, the  Council of the European Union, the  European Council, the  Court of Justice of the European Union, and the  European Central Bank. The  European Parliament  is elected every five years by  EU citizens. The White Paper on Governance formulated and adopted by the European Union through its executive body commonly known as the European Commission was aimed at setting up democratic forms of governance in five different levels, namely: European, Global, National, Regional and Local. This White Paper drafted suggestions that hoped to delineate more openly the position of EU institutions in world governance. Among their main concerns were deeper involvement, parameters in regulation and contributions that the Union can make to world governance. Through this document, the Commission looked forward to implement governance reforms under exiting treaties. In a recent development, leaders of the European Union led by EU President Herman Van Rompuy announced the espousal of milestone reforms that would promote economic governance in the 27-nation bloc with more stringent fiscal discipline and closer policy coordination. EU

Compound Interest and the Power of Saving Essay

Compound Interest and the Power of Saving - Essay Example Interest in a nut shell is the cost of buying and selling money. The Banks buy money from you when you deposit money in the savings accounts or Certificate of Deposits at the Banks. The Banks give you a rate of interest on those accounts. But what do banks get out of that They then sell the money through loans and credit cards. So let us suppose the Banks give you 3% interest rate on the savings account and get 8% interest rate on a loan they give out. Essentially they make a profit of 5 % on that money. Now what is compounding of interest Simply put when interest is being paid on some money, that interest is added to the money and then the interest clock starts ticking on the new amount. Though it does not particularly sound exciting it is a very powerful concept and if utilized well can financially benefit anyone who understands it. To understand this concept an old parlor trick question can help. That question is, what would you prefer $1000 everyday for a month or a penny doubled everyday for the month (i.e. 1 cent the first day 2 cents the second day 4 cents the third day etc.). The mathematically astute person knows that this is a no contest and the person taking the penny doubling offer wins by a huge margin. The compound interest can be explained like this .Simple interest as we already know is the interest that is derived from only the investment in a principal amount. Say we take $100 and put it in an investment for one year at a simple interest rate of 10%. We multiply the interest rate of 10% times the principal amount of $100 to derive an interest payment of $10. This seems fairly obvious and straightforward. But let's look at what happens in the second year if the interest is not paid out. In a "compound" investment, the interest is not paid out to the holder; it is built up within the investment. Consider our $100 above. If the interest was paid out after the first year, we would get our $10 in interest and have our original $100 still invested. If the interest is not paid out, however, we would have our original principal of $100 plus $10 in interest for a total of $110 at the end of the first year. This entire amount would bear the original interest rate of 10% for the second year. Not only would we get 10% or $10.00 in interest on the original principal of $100, we would also get $1 which is 10% on the $10.00 interest from the first year. Our total interest received would be $11. This would continue into the third year. At the end of the second year, since we have not paid out any interest, we would start with our $110 from the end of the first year plus the $11 we earned in the second year. This would give us a third year opening balance of $121 which would bear interest of 10% for the third year. Our 10% interest on $121 equals $12.10. Assuming we still don't pay out any interest, we will now have a total investment of $133.10. Well it still does not look too exciting. But let us extrapolate this further. If we leave t his $100 alone for about 30 years we will end up with a $ 1000. Now that is interesting but definitely not exciting. Well how about this using the same mathematics if you save a $100 a week in thirty years that is One Million dollars. Now that without any doubt is exciting. But this sounds too good to be true, so the skeptic in me says that most likely in 30 years Million dollars would be

A Reaction on Aliens’ Ownership Right of Real Property in the Philippines Essay Example for Free

A Reaction on Aliens’ Ownership Right of Real Property in the Philippines Essay A Reaction on Aliens’ Ownership Right of Real Property in the Philippines â€Å"Ang Pilipinas ay para sa mga Pilipino.† (â€Å"The Philippines is for the Filipinos†) Does it sound patriotic or nationalistic? Or does it pertain to selfish motives or mercenary actions? It is a fact that many aliens have been invading to the Philippines. Yes, they are aliens the non-Philippine nationals or foreigners. Most of them are fascinated and attracted to the beautiful sceneries around the Philippine archipelago. Others also pursue their business careers in the country, they are the investors, and the business oriented people who wish to put up their capitals and trade whether in a form of sole proprietorship, partnership or corporation. The aliens are granted the right to acquire a land or real property (immovable property) provided that they will consider the provisions under the Philippine Anti-Dummy Law the limitations on certain economic activity including the enjoyment of rights. In line with the Condominium Act of the Philippines, Republic Act 4726, the aliens are given the right to completely own a condominium unit but when it comes to project, the corporation must be composed of only 40%foreign investors. On the other hand, under the Investor’s Lease Act of the Philippines, foreign nationals or corporation may enter into lease agreement with Filipino landowners for an initial period of fifty years and a renewable extension of 25 years. As we try to comprehend to the law, it is really pro-Filipino. We noticed that the there are only 40% foreign investors or the stockholders and the 60% come from Filipinos. It’s also obvious that the aliens are prohibited to completely possess lands which are really in accordance to Article XII, Section 7 of the Philippine Constitution. Talking about the 40% foreign capitalists and investors, the Philippine  government can gain taxes from them which in turn can be used to accommodate common good for the Filipinos. The issue on Priority Development Assistance Fund (PDAF) or prominently called pork barrel barges in. That huge amount of money came from the taxpayers, both the Philippine nationals and non-Philippine nationals. But due to institutionalized corruption, the money which is intended for the people in the society are being stole by some of the national officials. This is another dilemma that the Philippine government should take into consideration and action. Back to the issue on aliens, the mediocre are skeptical whether the foreigners are given the right to fully own resources in the country or not. This is to clarify that they are not given the full authority; they are just given the opportunity to get into the business world which in turn both the aliens the Filipinos can gain something. It does not mean that though they have been advancing to the country, they steal what’s ours. There are laws for them to follow, thus, there’s no way for us to worry. The law has been already promulgated. All we can do is to deal with it, just no racial deviation, just focus for the common good of all Filipinos. The aliens are striving for their benefits, the same way should we act for ourselves. Let’s do our part and adhere to our virtues as we keep burning the Filipino spirit!

As I Lay Dying Essay -- essays papers

As I Lay Dying In "As I Lay Dying" William Faulkner uses multiple points of view to explore the theme of existence as a motionless and meaningless cycle. The cycle is motionless because it is inescapable and unchangeable. One can never leave the cycle of life and death. People perpetuate the cycle by creating life, but in creating life they are creating death, for life irrevocably leads to death. Faulkner depicts existence as meaningless. Nothing really changes in the story. On the surface the characters appear to change, such as Addie dying, Darl going crazy and Anse getting a new wife, but none of these changes are really as relevant as they seem. By using multiple points of view Faulkner lets us into each character’s mind. We see how each person thinks about the cycle of existence. This insight could be accomplished with an omniscient narrator, but Faulkner’s way is much more effective. Faulkner allows us to see a ten-year-old’s perspective on life and death from the perspective of a ten-year-old, instead of from the perspective of some all-knowing narrator that doesn’t really know what it’s like to be a ten-year-old. Also, the actual sequence of narrators is in a cycle. We don’t just hear all of Darl’s point of view, and then Anse’s, and then Peabody’s. Faulkner cycles through his characters, returning again and again to people like Darl and Dewey Dell and Vardaman, while having characters such as Jewel and Addie speak only once. Addie Bundren is in many ways the central character of the story. The plot revolves around her as her family tries to get her body to Jefferson for burial. Her single monologue comes in the exact middle of the book, making her geographically the central character. Most importantly howeve... ...and what his place is in life, and the fact that he goes crazy is simply the next step in his identity crisis. Again, it is because we are given Darl’s thoughts that his craziness makes sense to us. We are brought into his confused mind, and so when it finally cracks we understand why. So nobody in the story really changes. They are all in a motionless state of existence, moving slowly towards death. Faulkner’s use of point of view helps us understand how the characters feel about their cycle of existence, and how much of it they truly understand. If Faulkner had told this story any other way, we would not understand the cycle as well as we do. We wouldn’t feel a part of they story and the characters. We would be distant from their emotions and thoughts. But as it is, we feel like a part of everyone in the story, and we can relate to and understand their thoughts.

Not so Fantastic Feasting Essay

All around town people have been talking about the new Mexican restaurant, El Fogon (The Stove), by the movie theatre on the Interstate Parkway in Green, OH. People are excited to have a new restaurant and are anxious to try it. But take my advice and don’t waste your time on visiting this joint unless you like greasy and grimy food. El Fogon has an unusually clean dining area and a deceivingly inviting and personal atmosphere, none of this corresponds with the staff in the least bit. Although the workers act and dress conservatively, we waited for our orders to be taken for more than fifteen minutes. The menu was laid out nicely and made it easy to see what food they offer at the restaurant. The print on the menu was small but I personally had no problem reading it. All the items on the menu ranged from four dollars to ten dollars. The food I was served was not fresh and the presentation was sloppy. I ordered the taco salad but it looked like something my four year old younge r sister would make out of mud. My friend, Shannon, always orders quesadillas when going out to eat. She didn’t like the quesadillas at all; she described them as being greasy and had suspicions that the cooks had cooked her food in old frying oil. We both ordered the two dollar tacos, which were served with your choice of chicken or steak on top of a hand full of lettuce on a store bought shell. They were very disappointing and neither of us finished them; they were dry and tasteless. On a positive note, the portions were extremely large for the prices listed on the menu. I have visited El Fogon once prior to my previous visit. I had ordered the taco salad during my first visit; it was presented very nicely and tasted so good that I had finished my whole plate, leaving nothing behind. Our waitress was very friendly and attentive. She seemed to really enjoy working and greeted us right away. Our waiter during our second visit seemed to have had something better to do for our entire visit at the restaurant an d only approached us when we called him over to our table. He was hard to understand, much like many of the other employees and the restaurant, having a deep Mexican accent. Once or twice we had to ask for our waters to be re-filled, if he heard us he came right over to our table, but many times he just walked away. He didn’t seem too happy to be at work and appeared to have something else on his mind. He did not add to my  experience at all. Above the bathroom door reads, Baá ¿â€ o meaning restroom and above the kitchen reads Cocina meaning kitchen, there is a lot of very strongly Mexican influenced artwork throughout the restaurant that I thought added to my experience. Mexican restaurants should provide their customer with an experience that is relative to the origins of whichever Spanish speaking country it is based from and El Fogon did an excellent job. There was a large bar in the restaurant that was completely empty and made it very easy to see into the kitchen behind it. The kitchen looked very clean and organized. The restaurant is very large and has too many tables for the number of customers at any given time. The restrooms were very clean and large. The door to the women’s restroom reads niá ¿â€ as meaning girls or women, and the men’s restroom door reads niá ¿â€ os meaning boys or men. Ginny R. from Green, OH, has praised the restaurant for the quality of its food, portion sizes and low-priced menu. I do agree that the portions are large and the menu is extremely reasonable, but the quality of the food served at El Fogon is so cheap and bland that it is not worth half the price that the menu claims for it. â€Å"Great food for a reasonable price†, claims Aaron H. from North Canton, OH. The only thing that is good on the El Fogon menu is the cheese sauce that you can order for the chips, but even the chips are greasy, bland, and tasteless and not to mention under salted. Another Mexican restaurant in the area, Ponchos, has great food. The prices are a little bit more expensive but the atmosphere and service always leaves me coming back wanting more. Even though Ponchos is not an authentic Mexican restaurant the food is still much better than at El Fogon. The owner of this establishment must have not done their homework when picking the site for their restaurant. Although it is close to the local cinema theatre, and you would expect a busy out turn of customers into El Fogon, the exact opposite happens. The restaurant is almost always empty. Restaurants in this same location have not lasted more than 6 months without going out of business due to lack of customers. Unfortunately I see the same outcome for El Fogon as well. After an hour visit to El Fogon, I left unsatisfied, hungry, and full of displeasure. While El Fogon is not worth a trip or the money, it was surely an experience regardless of how bad it was.

Cu1565 Promote Creativity and Creative Essay - 2017 Words

CU1565 Promote Creativity and Creative Learning in Young Children 1.1 - Analyse the differences between creative learning and creativity. Creative learning is about how children are actively involved in their own learning, and their ability to make choices and decisions. This can be achieved through providing a creative environment, allowing exploration through play and praising creative efforts. Creativity is about risk taking and making connections, allowing children to explore and express themselves through a variety of media or materials including, dance, music, making things, drawing, painting and make believe and to make new things emerge as a result. Being creative is strongly linked to play and can emerge through a child†¦show more content†¦2.1 - Demonstrate in own practice how to promote creativity and creative learning. For example, during a cooking activity children are learning many skills through the creative process. They may feel happy and excited about creating their own food. They are sociable by working with adults to assist them and cooking for their friends or family members. By following instructions either written or verbal and measuring quantities they are being allowed to develop intellectually. Knowing when to ask for help and starting a dialogue around what they are doing and using can help develop communication skills especially listening and taking direction. Finally all the mixing, chopping, kneading and picking up small cut up pieces are physically developing the fine motor skills, hand eye co-ordination and building hand and arm muscles. 2.2 - Explain why young children require extended and unhurried periods of time to develop their creativity. An unhurried period of creativity gives children time to explore and experiment with materials and use them in their own way. It also allows children to do their best work by moving from popular to more original ideas and being able to come back to it at a later date to finish. 3.1 - Explain the feature of an environment that supports creativity and creative learning. A creative environment needs to allow children easy access to different materials and be able to move these from one place to another. It is not just about