Portrayal of Gays in the Media :: Media portrayal of LGBT

The media has had a significant shift from the past in their portrayal of human being people including in homophile marriage and gay rights. In the 1980s and 90s the subject was much more taboo and the idea of gay marriage was popularly opposed. yet today, the majority of Americans support legalizing gay marriage. What could be the reason for such a change? Could it be the media portrayal?Beginning in 1975, the first gay tally was shown on television. After that a mannequin of other programs included the ideas of homosexuality until 1991 when the first kiss between a same-sex partner off was shown. This was on L.A Law and advertisers exist to pull their ads after the scene. In the late 90s with the popularity of shows like Will and Grace and Queer as Folk.Today television shows ar widely praised for their portrayal of diverse characters sexuality. On Modern Family a same-sex couples life is shown through their relations with their family and raising a child. Theres a lso shows aimed at materialization adults that are receiving attention for their depiction of gay or lesbian characters such as Glee and Pretty Little Liars. Even the Disney Channel has shown a same-sex couple on the show Good Luck Charlie (with some backlash claiming that since Disney is intended for children that they should seek merely to entertain and not to push an agenda). On the contrary to this inclination is the idea, that same-sex couples are becoming more and more normal thus they should make it recognizable to children.This addition of multiple different depictions of same-sex couples and gay and lesbian people by television is being widely praised by the LBGT community. It makes the idea of homosexuality more common and representative of the actual community.However there have been a variety of critiques regarding the medias portrayal of same-sex couples and gay marriage. People who go solely off the medias depiction of gay and lesbians could have a skewed view of what they are actually like. This could be detrimental for youth who are developing their ideas of what homosexuals are actually like and this is their only source of information on it. This leads to stereotyping different types of gay people. Also for young people, the media depiction of gay people has led to the idea that this is cool and treat their homosexual friends differently.

Analyzing How Buildings Affect Physical and Mental Health Essay

According to Bokalders and Block (2009) some raft spend more than 90 percent of their live indoors. This represents that those who live or work in buildings may be significantly influenced by them. Materials which are utilized in the erection of buildings, also interior design of buildings, providing clean air and intensive sluttish are important issues to be taken into account, because their quality has considerable impact on residents. Rostron (2008) claims that adverse effect of a building can cause a considerable implication for society m each of those who suffered from sick buildings have complained that their productivity had reduced by 20 percent. Thus, in order to construct healthy buildings without any unfavorable effect on occupants, complex issues should be taken into consideration. The aim of this paper is to identify how buildings can affect physical and mental health and to get down solutions which can create better conditions for living and working in. Firstly, thi s paper will unfold the causes of bad welfare of occupants and what harm buildings are able to do to peoples health in general, then implication for society will be mentioned. After that some possible solutions will be suggested and evaluated in ground of effectiveness, cost and availability.Constructing a building is challenging issue which requires many problems to be solved and much decision to be taken. Maintaining the balance between architectural design, engineer design and interior in general is not an easy task. In addition, providing healthy indoor environment to the occupants that enhances their physical and mental well-being should be prioritized. Reinhold, Afshari and Gunnarsen (2005, 29) express there are variety of factors in the indoor envir... ...the loss of sleep, which then outcomes as a poor physical and mental health (kerstedt and Nilsson 2003, 6-12)Interior revitalizing environmentIt is believed that nature has a restorative effect on stress. According to Ul rich (1984) patients after surgery quickly become better if their windows viewed the landscape rather than buildings. In addition, it was found that pictures of nature may have effective restoration on patients than images of urban sites (Ulrich et al., 1991). Ulrich (1991) reported that the patients who were designated an image with the view of nature demonstrated less jitteriness also demand for anodyne in comparison with a control group has reduced. Moreover, at Conquest Hospital in East Sussex art sessions for guess patients have been maintained and it has been noted that visual art assists in relieving the pain both mental and physical.

Essay --

Aditya A RFlat no 102, E.S. Apartments,F-73, Madhura Nagar,Hyderabad,India, 500038Tel +91-8333820576E-mail adityaalurgmail.comDepartment of Computer Sciences,University of PennsylvaniaStatement Of Purpose What imagination makes possible, computer science makes real. eon there may be no limit to what technology can accomplishfrom space travel to robots that can build carsnone of it is possible without describe breakthroughs in computing theory, artificial intelligence, data analysis, and application design. For this reason, I want to develop a deep understanding of computing theory and applications that will reply as a springboard to future discoveries. Absorbing new technologies has always been a pleasure to me. I like to be ahead of others in acute new technologies, and thats why I want to study further. It is this desire that made me apply for the masters degree in computer and culture science at the University of Pennsylvania.During my Undergraduate degree program at SASTRA University, the area which was of special interest to me was the design and analysis of algorithms. My first encounter with algorithms was when I wrote polity for the popular video game Pac-Man (in C++). Thereafter, I developed a liking for the subject and challenged myself with tougher algorithmic problems by participating in programming contests hosted on sites like Codechef , Sphere Online Judge and TopCoder. I stood 10th in India in the Codechef February challenge-2009 and was consistently ranked in top 200 in TopCoder. Later that year, our aggroup of 3 members qualified for the Asian regionals of the prestigious ACM(Association For Computing Machinery) Inter-Collegiate Programming Contest . I also went on to top my department i... ...and innovative ladder, especially when it leads to operable applications. My ideal vision of a career has always been a job that involves creativity, innovation and flexibility. I am confident that higher education would give me the desire pu sh towards a career in research and an opportunity to do well in my chosen field of interest. I am eager to work under the guidance of the distinguished faculty members of the University of Pennsylvania. I am convinced that the facilities in the department of computer and information science in your university will be very useful for dedicated involvement in research projects. I believe that the CIS program at UPenn is compelling enough to whet my appetite for result difficult problems in the field of computing and the best impetus I can get to my career. It would be an honor to be accepted as a student in this institution.

Kofi Annans effects on Canada trip :: essays research papers fc

IntroductionMr. Kofi Annan is, I feel, one of the most important people in mankind today. He is the Secretary-General of The coupled Nations. Last March, he came to deliver a speech on Canadas position in the man. He thanked and congratulated us on what we have wearye in the world. He also admits that more needs to be done by rich nations like us. This I feel will spark some argument because I feel Canada has done enough for the world and the UN should be satisfied with their efforts.I feel Mr. Kofi Annans speech will inspire and motivate the sleep of The United Nations (its countries) and even us to keep committing or even add even more to what each and every one of us do. The scheme by Mr. Kofi Annan whitethorn bring many different advantages in helping our mixed up world. First, I feel it may get countries like the ground forces to get up off their stubborn behinds to start helping other nations instead of calling war on every one of them. The USA may feel that they are sl owing or stopping terrorist activities worldwide, but they are only increasing the number of terrorist activities since they declared war on terrorism. They decide to concentrate on places where there isnt very much terrorist activity or even any hostility. Places like Afghanistan or Iraq may have had militants but they were non an nimble threat to anyone. They should have occupied places where help is needed most like in the Middle East where clashes between Palestinians and Israel have been numerous and brutal to this day. peradventure by listening to the speech the USA will see that there are other ways of helping the world besides bombing anyone they dont like.This speech may let Canada know that theyre role in the world is greatly appreciated which may lead to a great participation with The United Nations and other poorer nations. We have been an outstanding part of the development of many developing nations such as Afghanistan, Iraq and some African nations. When we reali ze that we had not been just making our selves look good politically, we were making a huge difference. I can just see in the future Canada getting world support in the event of a crisis just as we have aided many others. I can just see the Chinese, the Russians the Germans, the French and the position running to our aid in the event of a disaster of any kind.

Moving from Alienation to Cooperation :: Personal Narrative Essays

Moving from Alienation to Cooperation   As Jewish and Palestinian students, weve learned a lot to the highest degree reconciliation in our Jewish-Palestinian Living Room Dialogue group. We know the process isnt easy. But after many meetings, weve moved from fear to trust, from alienation to cooperation. And if we can do it, others can too.   We began with a handful of people who rejected the popular gloom and hopelessness of the seemingly endless violence in the Mideast. We had had success in functional with a grassroots movement called Beyond War, which foc go ford on team-building between enemies - Israelis and Palestinians. Today we are 30 Americans - Jews and both Muslim and Christian Palestinians. Several others accommodate and lend support.   We saw how face-to-face dialogue changes people. Realizing that American citizens and government are connected to events in the Middle East, it was time to put our global experience to use in our community.   These a re the worst of times, so why arent you hopeless? people ask us. Why do you do it, when others motive to quit?   When we are uncaring by our history and suffering, overcome with anger and pride, we find inside ourselves an even stronger belief and knowing. It is the ancient insight of our common ancestor, Abraham, that all is one - were interdependent and interconnected. Were neighbors. We want to learn to live together that way. We also believe what sociologist Margaret Mead said Never doubt that a small group of thoughtful, committed citizens can change the world. Indeed, it is the exactly thing that ever has.   Weve made progress, but now we feel rushed by what Ambassador Edward Djerejian, former assistant secretary of state for Near east affairs, calls the worst-case scenario, when violence from both sides is on the rise and the peace process is stalled.   So last Saturday night we gathered 420 Jewish and Palestinian Americans, and others, around dinner tables to dismount changing the nature of our relationships. The hotel sign on Highway 101 said, Welcome Jews and Palestinians Building a Common Future. It made it a fact before anyone walked finished the doors.   The event was a view into the future of what can and must be. It was a missing part of the peace process - face-to-face relationship-building. Ambassador Dennis Ross, US envoy extraordinary to the Middle East peace process, arrived late from emergency meetings with Israeli Prime Minister Benjamin Netanyahu and Palestinian leader Yasser Arafat.

Moving from Alienation to Cooperation :: Personal Narrative Essays

Moving from Alienation to Cooperation   As Jewish and Palestinian students, weve knowledgeable a lot about reconciliation in our Jewish-Palestinian Living Room Dialogue group. We know the process isnt easy. But after many meetings, weve moved from consternation to trust, from alienation to cooperation. And if we can do it, others can too.   We began with a handful of people who rejected the popular gloom and hopelessness of the seemingly endless violence in the Mideast. We had had success in working with a grassroots movement c completelyed Beyond War, which focused on team-building between enemies - Israelis and Palestinians. Today we are 30 Americans - Jews and both Islamic and Christian Palestinians. Several others moderate and lend support.   We saw how face-to-face dialogue changes people. Realizing that American citizens and government are connected to events in the Middle East, it was time to contrive our global experience to use in our community.   Th ese are the worst of times, so why arent you hopeless? people ask us. Why do you do it, when others essential to quit?   When we are separated by our history and suffering, overcome with anger and pride, we find inside ourselves an even stronger belief and knowing. It is the ancient insight of our common ancestor, Abraham, that all is one - were interdependent and interconnected. Were neighbors. We want to learn to live together that way. We also believe what sociologist Margaret Mead said Never doubt that a small group of thoughtful, committed citizens can change the world. Indeed, it is the only thing that ever has.   Weve made progress, but now we feel rushed by what Ambassador Edward Djerejian, former assistant monument of state for Near Eastern affairs, calls the worst-case scenario, when violence from both sides is on the rise and the peace process is stalled.   So last Saturday night we gathered 420 Jewish and Palestinian Americans, and others, around dinner tables to begin changing the nature of our relationships. The hotel sign on Highway 101 said, Welcome Jews and Palestinians Building a Common Future. It made it a fact before anyone walked through the doors.   The event was a view into the future of what can and must be. It was a missing part of the peace process - face-to-face relationship-building. Ambassador Dennis Ross, US envoy to the Middle East peace process, arrived late from emergency meetings with Israeli Prime Minister Benjamin Netanyahu and Palestinian leader Yasser Arafat.

Which agents of socialization are most important at certain stages of human development?

There are basically various agents of socialization within the dissimilar stages of benignant ripening. such(prenominal) different stages accrue diversity in attributes which helps in creating different models of concern in defining the outlay of importance in such different stages of human development. They may include the family and the helpmate members. Since the human development is compounded by various stages of concern, such different agents play different roles at such different times of human development.Generally, the family is entrenched with a diverse scope of importance in creating standards for moral development for the person at different stages. The family structures are indebted(predicate) to creating a lucrative environs with which a person is modeled into good morals. The foundations of the family are entrenched in diversity of moral foundations that makes in to cohere with the common societal structures. The principle structures of the family are therefore i mportant in creating standards that promote strong moral development for its members (Jared, 2005).The influence of friction match members is important in fictile the nature of personality of an individual. Since an individual interacts cohesively with his/her peer members, such an environment is persuasively important in creating a condition with which the person emulates and copies the behavioral conception of the peer members. This is therefore an intrinsic process of creating strong environment for personality development (Jared, 2005). Which theoretical perspective best supports your viewpoint?Eriksons theory of human development may perhaps be the most conventional in defending the rationale for these agents. He argued of human psychosocial development as entrenched within the environment that a person operates in. He has argued that the family is a complimentary facet that models the states of moral behavior of a person at early stages of development. Elsewhere, he has pinp ointed the role of peer groups in delivering qualitative attributes in shaping the scores of human personality at varied lengths (Jared, 2003).

Hw Chapter4

5. 4. You have found three investment choices for a annual deposit 10% APR Compounded monthly, 10% APR compounded annually, and 9% APR compounded routine. sum up the pinnule for each investment choice. (Assume that there are 365 days in the year. ) soh 1+EAR= (1+r/k)k So, for 10% APR compounded monthly, the EAR is 1+EAR= (1+0. 1/12)12 = 1. 10471 = EAR= 10. 47% For 10% compounded annually, the EAR is 1+EAR= (1+0. 1)=1. 1 * EAR= 10% ( covers the same). For 9% compounded daily 1+EAR= (1+0. 09/365)365 = 1. 09416 * EAR= 9. 4% 5-8. You rouse earn $50 in interest on a $1000 deposit for eight months.If the EAR is the same regardless of the length of the investment, how much interest leave alone you earn on a $1000 deposit for a. 6 months. b. 1 year. c. 1 1/2 geezerhood. Sol Since we can earn $50 interest on a $1000 deposit, Rate of interest is 5% Therefore, EAR = (1. 05)12/8 -1 =7. 593% a) 1000(1. 075936/12 1) = 37. 27 b) 1000(1. 07593? 1) = 75. 93 c) 1000(1. 075933/2 ? 1) = 116. 03 5-12. Capital One is advertising a 60-month, 5. 99% APR motorcycle loan. If you need to borrow $8000 to purchase your dream Harley Davidson, what will your monthly payment be? Sol Discount lay out for 12 months is, 5. 99/12 = 0. 499167%C= 8000/1/0. 004991(1-1/(1+0. 004991)60) = $154. 63 5-16. You have just purchased a home and take awayn out a $500,000 mortgage. The mortgage has a 30-year term with monthly payments and an APR of 6%. a. How much will you pay in interest, and how much will you pay in principal, during the first year? b. How much will you pay in interest, and how much will you pay in principal, during the 20th year (i. e. , between 19 and 20 years from now)? Sol a. APR of 6%/12 = 0. 5% per month. Payment = 500,000/(1/. 005)(1- 1/1. 005360)= $2997. 75 Total annual payments = 2997. 75 ? 12 = $35,973. Loan Balance subsequently 1 year is 2997. 51/0. 005(1- 1/1. 005348) = $493,860. Therefore, 500,000 493,860 = $6140 is principal repaid in first year. Interest paid in 1st year is 35,973 6140 = $29833. b. Loan balance in 19 years (or 360 19? 12 = 132 remaining pmts) is 2997. 751/0. 005(1- 1/1. 005192)= $289,162 Loan Balance in 20 years = 2997. 751/0. 005(1- 1/1. 005120) = $270,018 Therefore, Principal repaid = 289,162 270,018 = $19,144, and Interest repaid =$35,973 19,144 = $16,829. 5-20. Oppenheimer Bank is whirl a 30-year mortgage with an APR of 5. 25%. With this mortgage your monthly payments would be $2000 per month.In addition, Oppenheimer Bank offers you the following deal Instead of making the monthly payment of $2000 every month, you can make half the payment every two weeks (so that you will make 52 ? 2 = 26 payments per year). With this plan, how long will it take to pay off the mortgage of $150,000 if the EAR of the loan is unchanged? Sol For every 2 weeks payment = 2000/2 = 1000. 1 year = 26 weeks. Therefore, (1. 0525)1/26 = 1. 001970. So, discount respect = 0. 1970%. Here, PV of loan payments is the peachy balance. 150, 000= ( 1000/0. 001970)1- 1/(1. 001970)N If we solve for N,We get N= 177. 98. So, it takes 178 months to pay off the mortgage. If we decide to pay for 2 weeks, then 178*2= 356 weeks. 5-24. You have ascribe card debt of $25,000 that has an APR (monthly compounding) of 15%. Each month you pay the minimum monthly payment only. You are required to pay only the outstanding interest. You have current an offer in the mail for an otherwise identical credit card with an APR of 12%. After considering all your alternatives, you decide to switch cards, roll over the outstanding balance on the old card into the new-sprung(prenominal) card, and borrow additional money as well.How much can you borrow today on the new card without changing the minimum monthly payment you will be required to pay? Sol Here the discount rate = 15/12 = 1. 25%. Assuming that monthly payment is the interest we get, 25,000*0. 15/12= $312. 50. This is perpetuity. So the amount can be borrowed at the new interest rate is this ca sh flow discounted at the new discount rate. The new discount rate is 12/12 = 1%. So, PV = 312. 50/0. 01 = $31,250. So by duty period credit cards we are able to spend an extra 31, 250 ? 25, 000 = $6, 250. We do not have to pay revenue enhancementes on this amount of new borrowing, so this is our after-tax realize of switching cards. -28. Consider a put up that requires an initial investment of $100,000 and will produce a single cash flow of $150,000 in five years. a. What is the NPV of this project if the five-year interest rate is 5% (EAR)? b. What is the NPV of this project if the five-year interest rate is 10% (EAR)? c. What is the highest five-year interest rate such that this project is still profitable? Sol a. NPV = 100,000 + 150,000 / 1. 055 = $17,529. b. NPV = 100,000 + 150,000 / 1. one hundred five = $6862. Here we need to calculate the IRR. Therefore, IRR = (150,000 / 100,000)1/5 1 = 8. 45%. 5-32. Suppose the current one-year interest rate is 6%.One year from now, y ou believe the economy will start to slow and the one-year interest rate will fall to 5%. In two years, you expect the economy to be in the midst of a recession, causing the Federal Reserve to cut interest rates drastically and the one-year interest rate to fall to 2%. The one-year interest rate will then rise to 3% the following year, and continue to rise by 1% per year until it returns to 6%, where it will remain from then on. a. If you were certain regarding these future interest rate changes, what two-year interest rate would be consistent with these expectations? . What current term structure of interest rates, for ground of 1 to 10 years, would be consistent with these expectations? c. Plot the yield curve in this case. How does the one-year interest rate compare to the 10-year interest rate? Sol a. The one-year interest rate is 6%. If rates fall next year to 5%, then if you reinvest at this rate over two years you would earn (1. 06)(1. 05) = 1. 113 per dollar invested. This amount corresponds to an EAR of (1. 113)1/2 1 = 5. 50% per year for two years. Thus, the two-year rate that is consistent with these expectations is 5. 0%. b. Year future day Interest Rate FV from re-investing EAR 1 6% 1. 0600 6. 00% 2 5% 1. 1130 5. 50% 3 2% 1. 1353 4. 32% 4 3% 1. 1693 3. 99% 5 4% 1. 2161 3. 99% 6 5% 1. 2769 4. 16% 7 6% 1. 3535 4. 42% 8 6% 1. 4347 4. 62% 9 6% 1. 5208 4. 77% 10 6% 1. 6121 4. 89% c. We can get the yield curve by considering all EARs above. It is an inverted curve. 5-36. You are enrolling in an MBA program. To pay your tuition, you can either take out a standard student loan (so the interest payments are not tax deductible) with an EAR of 5 ? or you can use a tax-deductible home equity loan with an APR (monthly) of 6%. You anticipate being in a very low tax bracket, so your tax rate will be only 15%. Which loan should you use? Sol APR is given, So we can get EAR by, (1+0. 06/12)12 = 1. 06168. So, EAR = 6. 168%. We have to convert the before ta x rate to after tax rate. 6. 168? (1- 0. 15) = 5. 243% Since student loan is higher after tax rate, it is better to use home equity loan. 5-40. You blind drunk is considering the purchase of a new office phone system. You can either pay $32,000 now, or $1000 per month for 36 months. . Suppose your firm currently borrows at a rate of 6% per year (APR with monthly compounding). Which payment plan is more attractive? b. Suppose your firm currently borrows at a rate of 18% per year (APR with monthly compounding). Which payment plan would be more attractive in this case? Sol a. The payments are as risky as the firms other debt. So, opportunity cost = debt rate. PV(36 month annuity of 1000 at 6%/12 per month) = $32,871. So we need to pay cash. b. PV(annuity at 18%/12 per months) = $27,661. So we can pay over time.

Why Might The Enron Collapse Make A Good Play Accounting Essay

Question 10Fix a concern study ( as if for senior complaint ) on two of the followers. Use the Inter crystalize as a resource. Length about 200-300 words each excepting any appendices. Use right referencing and include a bibliography.a. digital Dashboards. Include in your study definitions, types, history, benefits, disadvantages, and screenshots of illust pro stackalityns and an account of how splashboards could be utilise to show corporate societal duty.ORb. Bounded reason in finale devi blether.ORc. Critically measure predictably irrational ( Dan Ariely )ORd. Why might the Enron prostration vex a good free rein ) ( Google Enron the Play )Question 115-35 dominion stainIn this exercising, we do nt cognize precisely how $ 78,000 in dealing ( a ) was paid. In this instance, we assumed that this m unrivaledy is account collectible. If it is paid by effortful currency, the operating income for Cash BASIC would be $ 56,800 $ 78,000 = $ -21,200, a loss of $ 21,200.2.From my posi tion, the accrual footing should be considered as the step of Dr. Sanchez s public institution in 20X1. Because it includes all assets and liabilities looking in all minutess, while the hard currency footing contains me trust hard currency which was used in this twelvemonth. So the accrual footing shag reflect the efficiency of Dr. Sanchez s concern more precisely than the hard currency BASIC. For illustration, in dealing ( vitamin D ) , $ 20,000 tilt billed confound been earned and we skunk merely see this money in the accrual footing but non in the hard currency footing.The governing normally uses accrual footing for the income revenue enhancement intent in companies. In instance the authorities uses hard currency BASIC, it depart be give out for the companies in which hard currency BASIC is less than accrual basic. Normally these companies feed little concern and different intents.Question 215-1, 15-3, 15-4, 15-13, 15-1615-1The income direction ( besides called a net in come and loss statement ) replies inquiries about company s pecuniary public institution during a period of trot. The income statement provides information about a company s net income or loss.The residuum sheet ( or a province of fiscal place ) replies inquiries about concern fiscal position at a specific minute in clip. A balance sheet encompasses assets, liabilities, and proprietors or shargonholders equity.15-3A company s income statement shows the net income or loss over a span of clip, while balance sheet is a snapshot of the fiscal position at an blink of an eye of clip. Therefore, the income statement is the major nexus between balance sheets. In add-on, the income statement = hard currency flow statement + balance sheet.15-4 Net income is the difference in the self-possession capital history balances at two points in clip . This statement is erroneous because net income is the sur rundown of grosss over outgos. There atomic number 18 other factors which attain t he ownership capital history but non the net income, such as dividends or ownership investing.15-13 Dividends are distribution of net incomes . This statement is non truly precisely. Although juicy operations create the ability to throw dividends, dividends are distributions of assets to shareholders.15-16Ethical motives and unity are of import to comptrollers because they are the hallmark of the accounting profession. Accountants have to do users rely on their information. Furthermore, assurance in fiscal statements depends on the competency and unity of comptrollers and hearers.Question 316-A1Formula ViewQuestion 415-42Formula ViewInventories$ 10,895.1 $ 315.1 $ 1,057.4 $ 2,661.6 $ 6,141.3 = $ 719.7Entire Stockholders equity$ 173.2 + $ 1,995.8 = $ 2,169.0( score Celsius ) Entire liabilities$ 2,317.8 + $ 681.7 + $ 4,507.0 + $ 1,219.6= $ 8,726.1or$ 10,895.1 $ 2,169.0 = $ 8,726.1Question 516-4 Accrued depreciation is a amount of hard currency being accumulated for the repla cing of fixed assets . I come back this statement is non rather precisely. Depreciation is an allotment of an historical cost to write off ( Horngren, 2008, p754 ) . Accumulated depreciation sum expresses merely the expired rank of an plus and it is non hard currency or any other assortment of assets that can be used to purchase another plus.16-7 To capitalise an sum spent mover that it will non be charged as an disbursal . I do nt hold with this statement. To capitalise an sum look ons to enter it as an plus quite as an disbursal ( Horngren, 2008, p732 ) . Therefore it will non be immediately charged as an disbursal but it will be charged as an disbursal when capitalized plus is used.16-8 Good will may hold nil to make with the personality of the director or employees . I agree with this statement. Harmonizing to Horngren ( 2008, p733 ) , good will is the overplus of the cost of an acquired company over the amount of the just grocery jimmys of it identifiable single a ssets less its liabilities .16-16The statement of hard currency flows illustrates alterations in hard currency grosss and hard currency payments of an organisation during a period. This statement shows the relationship of net income to alterations in hard currency balances. Furthermore, it reports pas hard currency flows in lodge to foretell future hard currency flows, evaluate direction s coevals and usage of hard currency and find whether company can pay involvement, dividends and debts on clip ( Horngren, 2008, p740 ) .16-29 Depreciation is an built-in assign of a statement of hard currency flows. I do non hold with this statement. Depreciation is added to net income to opine hard currency flow but it does non impact hard currency and it does non imply a current escape of hard currency ( Horngren, 2008, p754 ) .Question 616-56Formula ViewQuestion 7What went incorrect at One Tel?One Tel failed because of an expensive error, they failed to pull off receivables and liabilities. They spent excessively much clip on advancing and cattle ranch outing One Tel but non adequate clip concentrating on operation of the concern system. In 2000, One Tel spent $ 525.6 million on buying Australia spectrum certify in order to spread out their mesh and take the market from Optus. However there was a descent with their system so they could non deal out this web at its existent range, and it did non do net income. One Tel was cleared bank bill of exchange in 2001.What are the major fiscal studies?The major fiscal studies are Statement of finance public presentation Statement of finance place Statement of hard currency flow. Mugwump Audit Report.3. Why are net incomes of import? Why is hard currency flow of import?Net incomes are of import because the function of capitalist economic system is to do a net income or travel out of concern. Net incomes show how a company operates efficaciously and productively every spell good as the return of investing.Cash flow is of i mport because it is one of the most primary grounds which make the concern fails. If companies want to better their concern and net incomes, they have to guarantee precise hard currency flow to do right fiscal programs.4. How did One Tel show a positive hard currency balance?One Tel showed a positive hard currency balance by the wages on sale volume. By advancing the selling, One Tel wanted clients to habituate more profitable services One Tel offered them.5. What are the features of a good versed pull strings system?Harmonizing to the COSO ( Committee of Sponsoring Organizations of the Treadway Commission ) , internal control can be defined as a procedure, effected by an entity s board of managers, direction and other forces, designed to supply sensible confidence sing the accomplishment of aims in the undermentioned classs effectivity and efficiency of operations, dependability of fiscal insurance coverage and conformity with applicable Torahs and ordinances. ( Internal Cont rol-Integrated Framework, Executive Summary, 1992 )The features of a good control system consists five cardinal constituentsThe Control Environment the most of import one because if sets the tone for the organisation, and contributes the ordinance and construction for the other constituents.Hazard Appraisal used to place, analyse and manage relevant hazards to the accomplishment of aims.Information and Communication used to place, gaining control, and exchange fiscal, operational, and conformity information in a timely mode in order to enable people to transport out their duties.Control Activities included policies and processs that make certain direction directives are implemented.Monitoring-processes used to measure the quality of internal control public presentation over clip. ( Internal Control-Integrated Framework, Executive Summary, 1992 )Question 817-11 It is better to acknowledge good will than to compose up assets to their just market values . In a amalgamate statement, we have to compose up assets to their just market values at the clip of the acquisition. However if it is possible, acknowledging good will can cut down the depreciation of the single assets.17-15The two ratios which are multiplied together to give the pretax operating rate of return on mean integral assets are runing income per centum on gross revenues and entire plus turnover.The pretax operating rate of return on mean entire assets = runing income per centum on gross revenues * entire plus turnover.17-19 If IBM had been forced to write off ( the package development cost of ) $ 785 million, its net incomes would hold been cut by 72 cents a portion. With IBM selling at 14 times gaining, write offing the cost might hold knocked over $ 10 off IBM s portion monetary value. The citation assumes that the ratio of monetary value net incomes is fixed. If the package development cost of $ 785 million, it means that there was a lessening in net income about $ 785 million, so the net incomes per portion was cut by 72 cents. Price gaining ratio is calculated by the market monetary value per portion / net incomes per portion. IBM monetary value gaining ratio is stable at 14 times and the net incomes per portion was cut by 72 cents are the grounds why the IBM s portion monetary value reduced $ 10.17-20Suppose the president of your company wanted to exchange depreciation methods to increase reported net income Our stock monetary value is 10 % below what I think it should be altering depreciation method will increase income by 10 % , therefore acquiring our portion monetary value up to its proper degree . From my position, altering the depreciation methods is non a good manner. It can do income addition but it will make a incorrect value of the assets in the hereafter. Furthermore, we can non be certain that increasing reported net income will do the stock monetary value to lift, because the stock market does non wholly depend on the reported net income.Question 917-36Fo rmula ViewQuestion 10digital splashboardsExecutive SummaryThis study provides inside informations about digital splashboards, includes the definition, types, history, benefits and disadvantages of digital splashboards. In add-on, it gives an illustration of digital splashboards screenshot every bit good as how splashboards could be used to show corporate societal duty.IntroductionDigital splashboards play an of import function in direction information system as they are really utile to find the departmental public presentation of a company.DefinitionA splashboard is described as an executive information system which is easy to be read. Digital splashboards can be cognize as existent clip visual image tools of critical concern indexs that help in determination devising ( Dursteler, 2004 ) . They are the direction of all informations vile within an organisation, so they can mensurate the departmental public presentation.TypesThere are three chief types of digital splashboards stan d entirely package applications, web-browser ground applications, and desktop applications.HistoryThe thought of digital splashboards was based on the survey of determination support systems in 1970s. However, digital splashboards were appeared in the late of 1990s, with the rush of the web. Digital splashboard is one portion of Digital Nervous System concept which was developed by Microsoft in the same this period of clip ( From Wikipedia Splashboards ) .BenefitsThere are many benefits of digital splashboards as they help directors command the varied sections in their companies. These are the other maps of digital splashboards Ocular presentation of public presentation move Identify and right negative tendencies Measure efficiencies/inefficiencies Generate elaborate studies demoing new tendencies Brand determinations based on concern intelligence Align schemes and organisational ends Save clip over running multiple studies Addition entire visibleness of all systems immediately( From Wikipedia Splashboards )DisadvantagesDigital splashboards measure the public presentation based on excitant informations of companies. Therefore, if the information is non precisely, there will be a bad consequence in the measuring of digital splashboards and it will do a bad determination.Companies have to pass money to keep their information system in order to guarantee that digital splashboards can roll up available informations from all sections.ScreenshotAs we can see, this is the screen shooting of digital splashboards, which illustrates the day-to-day gross revenues of an organisation in October 2003. We can see the sum of day-to-day units sold every bit good as the day-to-day cargos ( Dursteler, 2004 ) .How splashboards could be used to show corporate societal dutySplashboards monitor the public presentation of an organisation so it could be used to show corporate societal duty. Splashboards reflect the duty of an organisation which has to run into the community aspir ations.Decision and RecommendationsIn decision, based on available informations, digital splashboards are really utile for organisations to supervise their concern public presentation and doing determinations. Digital splashboards should be used loosely in companies in order to support companies develop in the right manner.d. Why might the Enron prostration make a good drama?Executive SummaryThe dislocation of Enron is really noteworthy over the universe and there is a drama about this discolouration. This study gives information about the history of Enron and the Enron drama, the accounting job which made Enron autumn and the lesson we can larn from this company.IntroductionEnron Corporation used to be the most powerful American energy companies in Houston, Texas. However, the rapid prostration of Enron created a large dirt in the fiscal history. In 2009, the drama Enron was written by the British dramatist Lucy Prebble, based on the Enron dirt. It won many awards for best new drama every bit good as best manager and best histrion ( From Wikipedia Enron, the drama ) . So why might the Enron prostration make a good drama?HistoryEnron was established in 1985 by the amalgamation between Houston Natural Gas and InterNorth. There were about 21,000 employees in this company and it was one of the universe s taking in electricity, natural gas, mush and paper. In 2000, it reported the grosss of $ 111 billion dollars. However, in the terminal of 2001, it collapsed so rapidly in an marvellous manner. ( Healy and Palepu, 2003, p4 )The prostration of EnronThe autumn of Enron was started in August 2001, when CEO Jeffrey Skilling resigned for unrevealed grounds. After that, it fell into loss and debt. Finally, on December 2, 2001, the company declared bankruptcy.The accounting jobOne of the chief grounds why Enron collapsed is the accounting issues. Mark Jickling ( 2002, p3 ) , Coordinator Specialist in Public Finance Government and Finance Division, mentioned in his study that Enron s operations and fundss position were non been shown clearly in the fiscal statements to stockholders and analysts.In late 2001, Enron recognized that some new concerns were non runing every bit good as expected. It had to sell its electric power works, Portland General Corp. , at a loss of $ 1.1 billion on October 5, 2001. ( Healy and Palepu, 2003, p12 )With these accounting jobs, the Enron s stock monetary value was halved while its bankers acceptance costs were increased. On November 28, Enron s accepted to be acquired by its rival, Dynergy, in order to avoid bankruptcy. On November 28, Enron s public debt was dropped to debris bond position, so Dynergy drew back. ( Healy and Palepu, 2003, p12 )As a consequence, on December 2, 2001, Enron led for bankruptcy with its stock monetary value at merely $ 0.26. ( Healy and Palepu, 2003, p12 )Lesson from Enron dirtThe autumn of Enron in a short-time created a lesson for all companies in the universe. One of the most of import for all companies to do a concern viable is the direction of their fiscal coverage so companies can guarantee everything is right. The lesson from many fiscal errors of Enron made a good drama, Enron the Play.MentionsCommittee of Sponsoring Organizations of the Treadway Committee ( COSO ) . ( 1992 ) . Internal Control- Integrated Framework, Executive Summary. www.coso.org.Juan C. Dursteler ( 2004 ) . Digital Dashboards. The digital magazine of InfoVis.net.Retrieved April 12th 2004 from hypertext transfer protocol //www.infovis.net/printMag.php? num=143 & A lang=2Horngren, et Al. ( 2008 ) . Introduction to direction accounting ( 14th Ed. ) . Pearson Prentice HallWikipedia Splashboards. Retrieved from hypertext transfer protocol //en.wikipedia.org/wiki/Dashboards_ % 28management_information_systems % 29Wikipedia Enron, the drama Retrieved from hypertext transfer protocol //en.wikipedia.org/wiki/ENRON_ % 28play % 29

Lincoln Electric Case Essay

capital of Nebraska galvanizing community in the year 1895. The first productions that the community produced and sold were electric motors that he had designed himself. A some years later, in 1907 his brother James, a recently graduate from the Ohio State University, joined as a senior manager He was also the atomic number 53 who would introduce different and very innovative human resource policies over the next few decades.These policies included things like employee stock ownership, the creation of an Employee advisory board, as well as piecework pay. Most of these ideas were later adapted as standard US wide practices. The Welding business, which not really was one of the main focuses of the Lincoln Electric Company, became the main source of income by 1922. Welding which a special technique of -under heat bringing together different sources of metals. It is used for basically al close of the industrial areas, from pipeline manufacturing to petrochemical complexes.From 19 86 onwards, the confederacy pursued a course of extensive internationally expansion. This was started already way earlier in 1933 first, with the establishment of the Lincoln Electric Company in Australia and in 1953 with its expansion to France. However, from the mid 1980s onwards, Lincoln Electric expanded its manufacturing operations into 16 countries. This expansion peaked in 1995, when the order reached the $1 billion in sales the first time. It was also the year Lincoln began to trade its shares on the Ameri discount stock marketplace the NASDAQ.By 2005 it became the worlds booster cable manufacturer in the conjoin labor. Nowadays, (Dec. 31 2010) Lincoln Electric has net sales of $ 2,070 million. Why go abroad? As the Lincoln Electric Companys idea and concept proved to be successful in the US from the 1930s onwards, it also operated outside of the region. Due to its success in its pedestal market, the companies management was able to first throw out enough market kno wledge in order to enter new markets were a certain proficiency is required. Nevertheless, as markets and industries around the world differ in to each other (e. g.consumer tastes) the best idea was for Lincoln Electronic to first enter a market were the so-called Psychic Distance is not so high and less doubt.Therefore Australian was chosen, as this is psychological wise not so far from the legal residence / US American market. This phenomenon can be seen in the Uppsala Model. It includes four different steps, from first acquiring mother in the home market to wholly owned international operations. This go forth be explained in more detail later. However, as we can see in the Lincoln Electric case, the company first gain sufficient knowledge in their home market and later expanded internationally. simply step by step further away (political, language and farming wise) from its home market. Uppsala Model Looking at the process of internationalization of Lincoln Electric, most of the facets of the Uppsala Model can be identified. So, this entry mode theory is most applicable in our opinion. In this section, we will elaborate upon the internationalization of Lincoln Electric while applying the tips of the Uppsala model. During the first demo companies tend to solely gain experience of their domestic markets.In the case of Lincoln Electric, it can be stated that it mainly focused on becoming the leading manufacturer in the joined States. Core competencies are most important for the success of an MNE and for all companies those core competencies are their higher-order riotous specific advantages (FSAs). In this first stage of the Uppsala Model we will try to recognize all the FSAs of Lincoln Electric. The first FSA is the companys human resource policy, in which many facets can be recognised that fork over productivity advances and which results in a variability of 60 percent of the personnel costs.Those facets are performance-based rewards, employee sto ck ownership, a piecework payment system, and bonuses based on company profits. Another FSA is that the company cuts costs in acquiring personnel, and simultaneously keeps holding a very well experienced and integrated workforce by grammatical construction trust among the employees with policies like an employee advisory boards, employee suggestion systems, annuities for retired employees, group life insurances, and a no-layoff policy. The third acknowledge FSA is the companys R&D program this program is the most aggressive, comprehensive and successful in the welding industry.This FSA led the company in new market introductions and quality performance. Fourthly, an important FSA for consumer relations is the ability to provide full welding solutions. The company is able to provide this due to the fact that it manufactures both arc welding equipment and consumable products. Summarized, the core competencies which provide the company with competitive advantages are the ability to cut personnel costs, the highly trained technical sales force, and the ability to provide excellent service for customers.The second stage in the Uppsala model states that the firm begins to operate abroad in a nearby market, and then slowly penetrates far away markets. When applying this to Lincoln Electric, it can be seen that the company encountered its first international experience in countries such as Canada, Australia and France in the 1940s. These countries assimilate a small psychic distance from the get together States, therefore, the market uncertainty is perceived as low.Canada, Australia and France are psychically nearby, because issues with regard to trade unions, labour practices and laws are treated similarly in those countries. Furthermore, Canada and Australia are linguistically similar to the United States, and all the previous countries are western countries, so the cultures are not significantly different. Lincoln Electric started its first major internationa l expansion amongst 1986 and 1992. It then increased its presence into 15 other countries, which were achievements in Venezuela, Mexico, Brazil, Scotland, Norway, the UK, the Netherlands, Spain, and Germany.However, this expansion was a real failure, the company faced difficulties due to executives inexperience with trade unions and their lose of knowledge of labour practices and laws in other countries. The companys aim was namely to operate the new acquisition in Lincoln USAs image, however they learned from this experience and as can be seen in stage four, their renewed global expansion is much more improved. The third stage of the Uppsala model states that companies tend to enter markets through export, instead of using sales or manufacturing subsidiaries of their own.However, this does not suit Lincoln Electric due to the fact that it is excessively costly to ship welding products because of their weight. It was for Lincoln Electric and other companies in the welding indust ry essential to set up a local or regional production facility. Therefore, Lincoln Electric had to instantly set up sales or manufacturing subsidiaries of their own without starting with solely exporting. In the fourth stage it is said that a company establishes wholly owned or majority-owned operations still after several years of experience.This can also be recognized as being the case with Lincolns internationalization. In 1996 their renewed globalization strategy started. This is characterized by many joint-ventures, acquisitions and start-ups over the world. Between 1996 and 2004, many expansions chip in been completed. At the end of this expansion period, the company tried to gain majority or wholly ownership in many of their acquisitions and joint-ventures, because they experienced that they could not in full control their operations in the way they wanted it. Attractiveness of IndiaOne of the most significant questions in the global strategy field is how multinational fir ms should aviate their way through multiple and often conflicting host-country institutional environments (Ghoshal and Westney 1992, Morgan et al. 2001). This is no different for Lincoln Electric who faced some problems while expanding overseas. When crossing borders, prospect is mostly the driving force behind the expansion. Between 1986 and 1991, Lincoln took on unprecedented debt in order to finance foreign acquisitions, mostly in Europe.They initially had a lack of international management skill, and did not take into manageation local environment in each country when expanding globally. This was caused because not all of their firm specific advantages (FSAs) where as transferable as they had hoped. For instance the incentive system that works very well in the U. S. did not work in European countries with different working environment and ethics. Lincoln had already tried to penetrate the Asian market before landing its eye on the India.Theoretically, a country will be attrac tive to a foreign investor if, in investing in that country, the investor gets a return that is equal to or higher than their risk-adjusted weighed cost of capital. (Urkude and Seshanna 2008) So how attractive is India for Lincoln Electric. With assessing a countries attractiveness two main categories can be distinguished Country Risks, Market Opportunities and persistence Opportunities. For Lincoln there is only one country risk which is corruption, for the rest India is a stable, fast growing country with a solid political system. World Map Index of perceptual experience of corruption 2009iHowever there are a number of market opportunities. Indias infrastructure is still underdeveloped, and therefore demand for welding products is increasing with the future construction and infrastructure activity in the next checkmate of years. Import sales to India were up by double digits in 2006, driven mostly by orders from the pipe mill and pipeline sector, and more recently from the aut omotive sector. (Lincoln Electric annual report 2008) The growth of the welding industry is similar to the growth of the replete(p) economy of the particular country, and for this reason India makes an attractive opportunity.As seen in the graph below Indias GDP has grown dramatically over the last couple of years, and it is expected the welding industry will grow among these lines as well. Indias market is quickly growing as shown in the graph on the right. non only the population but also GDP and exports. And the one below shows that the industry sector is coming on as well. For this reason the welding industry will benefit from the economic growth and be in the lift as a lot of these new construction projects require welding consumables.Industry opportunities lie in India as well, as demand for steel declined all over the world, it grew in India by as much as ten percent. (Frost and Sullivan 2010) But India is also a highly competitive market as 56 percent of welding consumable s were being produced by large firms that had developed their own engine room and 44 percent was being produced by a number of small firms that immediately tried to copy the large firms, as soon as their product became available on the market.So for Lincoln to be successful, they would have to keep innovating their products and make it hard for others to copy their products. Another point of interest is that with the welding market booming, a high price would have to be paid if Lincoln would want to enter the market by acquisition. This making it difficult for new entries in the market, but the two other options which are a joint venture and building an own factory are as much appealing as an acquisition.Lincoln already had some experience with joint ventures in China, but had trouble with the joint decision making that came with it. And with building their own factory they would have to weigh off the benefit off total control towards the starting up costs of the factory. The India n government had also granted some fiscal and financial incentives by setting up tax-free zones and increasing the foreign direct investment (FDI) percentage in the aviation and real estate sector, which could reelect a high demand for welding equipment.Overall it can be said that India is a very attractive market for Lincoln Electronic if they can get into the market either via acquisition, a joint venture or by building their own factory. Advice for Management The advice we would give the managers from Lincoln Electric, to help them to come about enhancing their market share and improve their geographical dominance in the welding industry is to acquire a smaller welding company.An option, which Lincoln Electric should consider is the case of ESAB, as, mentioned in the case In 2000, ESAB had agreed to be purchased by Lincoln Electric for 750 million plus the assumption of $300 million in ESABs debt. Yet Lincoln Electric decided that same year not to go forward with the acquisitio n after antitrust and other issues arose in the due diligence process. Even though these plans fell through, Lincoln Electric should reconsider purchasing ESAB, since it represents 75% of revenues of its parent company Charter, which is European- based company with a large global presence.ESAB India, which is part of ESAB, is also one of the main competitors of Lincoln Electric in India. Therefore, if Lincoln Electric could dissolve the antitrust problems and other problems that arose in the due diligence process, they will be able to acquire ESAB and to double their market share. To enforce the market share dominance of Lincoln Electric globally, an acquisition with a company like ESAB would be economically gainful.Analyzing the graph below, an acquisition with Lincoln Electric and a smaller company would create a welding market dominance. This will result in other competitors being left with a smaller market share due to a much big dominating competitor. In this case, Lincoln E lectric has the opportunity to purchase ESAB or another smaller welding company due to the high profits from the profitable US market. Because of that opportunity we would advice them to purchase and expand by means of increasing their market share by purchasing a competing company.

Ap Nsl Essay

What are the difficulties in using the wall of separation principle? 5. List and explain the circumstances when the authoritative Court has ruled that immunity of speech may be limited. 6. Define the clear-and-present-danger test, libel, preferred position, prior restraint, imminent danger, and symbolic speech. You may just want to put these straight onto your flashcards 7. Summarize the Supreme Courts changing interpretations of how to protect both the due process rights of accused criminals and to preserve the safety of the community.Define the exclusionary rule and the good faith exception. . Chapter 19 Reading Outline 1. What does the book say is the pertinent question regarding civil rights? 2. What were the strategies that black leaders followed in order to obtain civil rights? Once staple fiber rights such as voting and integration had been obtained, what issues did civil rights leaders focus on? 3. Briefly outline the steps in the NAACPs strategy in the fight against segre gated schools and indicate the success they had in the courts and in implementing desegregation. . What was the issue concerning desegregation vs. integration? How has this issue been resolved? 5. What were the four developments that made it possible to suck civil rights bills? 6. What accounts for the change in attitude in Congress towards civil rights issues from the 1960s to the present?How has the Supreme Court changed in its attitudes towards equal rights for women from the early twentieth century to today? 8. What are the two standards the Court uses today to in considering sex discrimination cases? What is the debate between those who maintain equality of result and those who support equality of opportunity? 9. What are the criteria that the Supreme Court has adapted in defining strict scrutiny of any law involving racial preferences? 10. Briefly total the highlights of the governments response to abortion.How did activists for the disabled manage to get The Americans with Disabilities Act passed? 12. Briefly summarize what is included in the law and the objections that some have had to the law.

Chicana Role in Society

JannineClare Mendioro K. Land Puente English 102 12/07/12 Paper 5 My mama would sometimes look at me and says my generation is lucky. I never did give a thought what she meant about what she said especially when I came from a family, a clan where women are normally treated as extend to as men and sometimes are more precious. But as I easily grow up, I realized my family traditions view of women are different from the majority of people. In majorities, traditionally women are vatical to stay at mansion, wages superintend of the kids and dependent towards men. The only females that were permitted to go during the old days were wealthy privilege daughters.During the generation x, women attain concerns about equality. Even though Anglo women generally have the kindred concern with color women, Chicana women have more problem due to their cultural difference which cause Chicana to struggle to adapt in current society means. careless(predicate) what melt down, majority of women were conventionally oppressed and were non seen equal to men. In La Chicana Her Role in the Past and Her Search for a New Role in the Future by Berinice Rincon, Rincon portrays Chicanas role in the family. Rincon explains that Chicana women are xpected to be instrumental, faithful, devoted, and respectful to her husband and to take the major responsibility for rearing the children(25). The married womans role in the family is to take care of the kids and the household chores. She is not expected to do anything thats not related to household chore and taking care of the children. Specifically, . Nor is she supposed to share in her husband political, economic or social activities unless they are centered around the home(Rincon,25) and she may not interrupt when he talk about the things that interest him and his friends(Brady,25).As Brady stated, the ideal wife is A wife who will have the house clean(25). Brady is a white housewife who is also expected to do the chores at home. Wo men were not supposed to talk about political and/or economic view because by doing so they would be questioning mens decision. In addition, Kincaid, a caribbean women claims that the mothers also teaches their daughter How to press out their fathers khaki shirt(Kincaid) because when they grow up they would be the one who will iron their husbands khaki.The mother is conditioning their daughter to be submissive by teaching them to take care of the household chores and following her footsteps. Furthermore, Brady conveys that men would like a women who will support them in their career. A wife who would imprint for him to go to school, take care of the family and take care of the house. Then the men would deficiency a wife to quit working and remain at home so that his wife can more fully and completely take care of wife duties (Brady,26). Because, traditionally women were viewed to stay at home and not work.Thus, It is her rank and duty to stand behind and back up her macho (Vida l,23). Actually, snow-clad women and Chicanas tackles the same issues in society. First, Women are not accepted as community leadership either by the Chicano movement or by the Anglo establishment(Vidal, 22). During generation x, it is not common to have a women as a leader because they were conventionally portrayed to be submissive and not involved in economic and/or political view thus making it harder for them to gain equality and/or fight for switch over in their current situation.In fact, The white male rulers would want Chicana to accept their oppression precisely because they understand that when Chicanas begin a movement demanding court-ordered abortion, child care, and equal pay for equal work, this movement will pose a real threat to their ability to rule(Vidal,24). White men want Chicana to accept their oppression because if they dont accept oppression, they would help their white female counterparts to gain equality considering that they have generally the same conce rns therefore comprise a threats towards white mens power.On this occasion women wants equal pay and right to guard their own bodies. Whats more, 84% agreed that women do not receive equal pay for equal work (Vidal, 21). Women were not treated equally. Even though they do the same work as the men, no matter what race they were, women were not getting payed with the same amount of money as the men did which will cost shortage in home income. Less money they bring at home the more they will have problems because the cost of living is going up. Furthermore, Vidal claims the Chicana movement would want Free legal abortions and birth control for the Chicano community(21).Both Chicanas and White women are concerned about the right to control their own bodies as resulted in Roe vs Wade where wade won the case and her right to control her body. Thus both White and Chicana women wanted to have a free legal abortion and birth controls because with birth controls they could have more control on how many children they will have. Their expenses will increase if they have more children. It will be harder to support 5 or more kids especially if they only have a low income job.Although White women and Chicana women have things in common, Chicana women are more affected due to racial difference thus making it harder for them to cope in current time. In Latino culture a bad women is viewed as The Mala is hard and impious and independent like the macho (Rincon, 26). In this instance,The social move of la mujer mala-Indian women- was . that they actively participated in the religious, social and commercial life of their own people. They shared the responsibility of the household and also contri buted to the economy and social life(NietoGomez, La Chicana.. 50) but The Anglo tradition of industrial and political democracy has encourage women to actively seek equal rights and employment outside the home (Rincon,26). This is where traditional set of Chicana is humbled with mode rn time. It was harder for chicana to be back up by the industrial and political democracy of the Anglo to fight for their independence because Chicanas culture viewed an independent woman and a woman who participates in economic and politics as a bad women just like the la mujer mala-Indian women.Hence The Chicana is torn between being what her Culture wants her to be and what she knows she must become in order to function in todays action oriented world (Rincon,26). To function to current time she needs to be independent but her cultural views contradicts it. As a result 84% felt that they were not encourage to seek professional careers and that higher education is not considered important for Mexican women (Vidal,21). Because virtually Mexican women felt like higher education is not necessary, they wouldnt obtain higher education therefore making them only desirable to have a job as a worker.To put it another way, Raza women suffer a triple form of oppression as members of an oppressed nationality, as workers, and as women(Vidal,23). Because the Chicana may suffer from the sex discrimination as well as from racial discrimination, the Chicanas income is at the bottom of the economic ladder (NietoGomez, Chicanas in.. ,126). For example, The median income of the Chicano ($5100) is most three times as much as the median income of the Chicana ($1800) (NietoGonez, Chicanas in.. ,126). Therefore, the Chicana is primarily a poorly paid worker, with ittle or no job opportunities (NietoGonez, Chicanas in.. ,127). Chicana is basically the most unprivileged people. Their own culture discriminate them to be independent and if they try to get a job they have the least opportunity to earn money and to change their current situation. It would be more tougher if the women is a single parent and/or the only one in the family who has an income. As a result of Chicanas cultural values where women are supposed to be dependent, it made it harder for them to advance in socie ty.Their cultural values collided with moderns times cause them to be behind in societys change. That explains why there are only few successful chicanas because it took them longer to be encourage to have a career. In todays generation, generation y, women are encouraged to have careers, especially minority women. In fact, there are scholarship, programs and foundations that encourage minority women to go to male dominant fields. There are still a little discrimination in workplace but its not as severe as before and its pretty rare too.If someone discriminate a person due to their gender, that person could sue the person who discriminated them. There are still double standards but as time goes by double standards slowly fades away. The status quo must go It is a new time, and we need to make use everybodys talent and energy (Rincon,25). For our country to bob up and become more successful we need to encourage everybody to strive for a higher standard and provide them the opportu nity to reach their dreams no matter what race and/or gender they are.

International Relations: Philippines and China on the Spratly Islands Issue Essay

For decades, the Spratly Islands in the South chinaware Sea, now called as the Filipino Western Sea in the Philippines, has long been debated by its claimants Malaysia, Brunei Darussalam, Taiwan, Vietnam, China, and the Philippines (Baker, 2004). Among all these carrys, the most active and significant actors are the Republic of the Philippines and the Peoples Republic of China. in that respect are several reasons for the dispute (1) the presence of natural tout and oil in some parts of the territories, (2) potential gain ground for commercial fishing1, (3) potential profit for commercial shipping2, and (4) extension of continental shelf claims expansion of territory and a boost in the countrys sovereignty3 (Joyner, n.d.).The Spratlys come in has always been decisive since it directly affects the different states case interests on profit and protective covering. For peerless, the Philippines and China cook each asserted their power on claiming the islands by episode their own flags over their claimed areas. The Philippines, following the United Nations convening on the Laws of the Seas which empowers the International judgeship for the Law of the Sea laws on the 200 nautical miles zone, claimed a mo of Spratly islands since these islands are within the 200nm distance from Palawan.On the former(a) hand, China claimed most of the Spratly Islands, using historical background as its basis (BBC, 2013). Also, some(prenominal) countries resorted to upgrading their military capabilities in the sense that they both deploy ships to take turns on guarding their claimed areas. These actions ca roled to increase the tensions and strains in the two countries relationship (Encomienda, 2011).Both the International Court of Justice and the International judicatory for the Law of the Sea are under the United Nations efforts of bringing peace and unity among different nations or countries (ITLOS, 2013). Acknowledging the principles introduced by the United Nati ons Convention on the Laws of the Seas4, both China and the Philippines have participated in ratifying it. However, both also have chosen non to follow the UNCLOS guide on settling frontier disputes closely (Yeneza, 2012).Even with the efforts of the Philippines on taking the conflict to the ITLOS and the ICJ and promote fineness, it has still been forced to resort to upgrading its military capacity in order to increase security over their claimed areas and to respond to Chinas actions on asserting their claim over the Spratlys. With this, it can be concluded that the international organizations involved as mediators to the issue are insufficient. The guide presented by the UNCLOS is too limited for the variable arguments that both the Philippines and China present in order to fully claim the Spratly Islands. However, these institutions should not be blamed fully for the failure of the conflict resolution. The governments of China and the Philippines have a big role in the confl ict none of the states wants to either compromise or interpret the UNCLOS in the same way (Jinming and Dexia, 2003).These international issues can be better comprehended by the realist theoretical framework. Realism denotes that the state aims to win national interest through acquiring more power it defys more priority to the national interest rather than its ideology. If its national interest could not be gained because of other states, it has the right to go against them in order to assert its power and achieve its national interest (Morgenthau, 2006). Thomas Hobbes (1651), an author on realism, discussed that realism has three cell nucleus assumptions (1) the equality of men or states, (2) the interaction of states in anarchy, and (3) the actions taken by the different states are motivated by competition, hesitancy, and progress.In the case of the Philippines and China on the Spratlys issue, the first assumption of Hobbes can be applied in the sense that neither China nor the Philippines will contend the islands in the basis of which state is more developed or has more alliances. For this territorial issue, using the states development or its capacity to enhance its development through the learnedness of the islands does not guarantee the resolution of the issue. China and the Philippines both have equal footing on their claims on the islands (Joyner, n.d.) On the second assumption, Hobbes mentioned of interaction among states.China and the Philippines have their own governments, however, in the Spratly Islands, there are mediators the International Court of Justice and the International Tribunal for the Law of the Sea. These mediators, as much as they try to settle the conflicts, were not able to control the conflict since, states are free of doing what they please to do to assert their power and sovereignty thus, serving their own national interests (Furtado, 1991). For once, one of the proposed resolutions of China to resolve the conflict to have the governments of each state deal with the conflict directly instead of having mediators seem more compatible with the issue. Lastly, it is innate for states to contend with each other to get to the top.Even though every state wants to have good relations with others, one cannot deny even a touch of competition. Being critical and cautious, these states will not go against randomly they will be vigilant enough to choose who to compete with. Succeeding in the picky competition, the state achieves progress (Hobbes, 1651). In the case of China and the Philippines, one of the main reasons for the fight over the Spratly Islands is profit. Aside from the presence of natural gas and oil, the islands are a good spot for commercial fishing and commercial shipping. Hence, investing in this area can give high returns of investment to the country who owns it. Plus, the prestige of be the first East Asian country to possess oil boosts its international image, let alone lessens its relying on the Middle East for oil and natural gas supply (Yeneza, 2012).Hans J. Morgenthau (2006) and his six principles on political realism can also be related to the case of the Philippines and China on the Spratlys issue. First of all, the clubhouse is ruled by laws that are created based on the nature of man. The UNCLOS (United Nations Convention on the Laws of the Seas) was created to solve and/or prevent conflicts such as the Spratly Islands issue.Therefore, it can be considered that the UNCLOS itself can be the solution to the problem only if that law was considered. However, even though such law that brought about the existence of the UNCLOS is implemented and expected to parcel out for the benefit of men, the men involved in the conflict, or the states rather, chose not to adhere with the UNCLOS (Yeneza, 2012). Secondly, realism is directed towards the use of power5. The Philippines and China demonstrated their power as they both valiantly expressed their claims on the disput ed areas and how much they spent for them.As China asserted its claim on the Spratly Islands, the Philippines resorted to securing the areas it claimed (Encomienda, 2011). The third principle, according to Morgenthau (2006), power is not fixed. In the case of the Philippines and China, they controlled each others exercise of power on the claimed areas as they both measure and depend on each others actions in order to formulate and plan what to do next (Yeneza, 2012). The fourth principle of realism is related to the lesson importance of the actions done by the two states Philippines and China.At times, morality and success do not go together some states tend to go down the path of impiety in order to achieve its national interests. In realism, states are innate of being mindful of the actions they are about to execute because of other factors that can be affected by its in demand(p) course of action. Thus, the Philippines and China can opt to wage war in order to acquire the disp uted territories. Conversely, both countries have chosen the path of diplomacy rather than war, knowing full well that morally speaking, waging a war is not right since many civilians will be affected, as well as the fact that the costs brought by the war exceed the benefits that they will acquire from the Spratly Islands. Then, another principle Morgenthau (2006) explained is that states fail to recognize moral aspirations in relation to the moral laws that rule the universe. The state is self-centered it only sees its own reasons and interests as the valid ones.Being self-centered, it does not give importance to the reasons and interests of other states. If only states can control and compromise for others interests, the Spratlys issue would have been solved decades ago. As each country present their claims on the areas, it is clear that no one wants to give up (Yeneza, 2012). Lastly, the sixth principle is that political realism is different with other schools of thought that st ates may adopt (Morgenthau, 2006). The conflict of China and the Philippines on the Spratlys are grounded for the pursuant(predicate) of their national interests (Yenez, 2012). Aside from the profit the Spratlys may offer, another reason it is being fought over is that it affects the government issues of security to both countries. Both the Philippines and China believe that in order to pursue security, they must secure their territories thus, they each lay claim on the Spratlys (De Castro, 2011).In summary, China and the Philippines have both resorted to upgrading their military capabilities in order to enhance security over their claimed areas. Through the years, China spent so much on military expenditure whereas the Philippines created more military efficiency programs. In the realist approach, as long as China and the Philippines hold on to their own claims on the Spratlys, neither the International Court of Justice nor the International Tribunal for the Law of the Sea will b e able to calmly resolve the conflict between the two countries.With the Philippines maintaining a good relationship with the other ASEAN members, it garnered the agree of other Southeast Asian countries in laying claim to the Spratlys thus, giving it more strength on its hold on the islands (Yeneza, 2012). Unless one of them give up on its claim, the conflict will not be resolved easily and without causing further strains among the countries relationship (Morgenthau, 2006).There are two feasible solutions that can be taken to resolve the conflict (1) share the claimed areas, whenever it is feasible, and (2) undergo a diversion process. For the first solution to work, the Philippines and China must be allowed to conform to the resources and share them equally e.g. fish and seafood, oil, natural gas, sites for commercial shipping. Bilateral talks should always be done therefore, the countries must interact directly rather than use a mediator and then promote diplomacy. The second one will be that rather than boil downing on the conflict itself, both the Philippines and China should focus on repairing and enhancing their diplomatic ties and cooperation.They may opt to engage in mutually beneficial bilateral agreements and allow their relationship to pacify or stabilize (Yeneza, 2012). In the realist approach, it can be seen that the different international institutions have delayed the resolution of the Spratlys issue rather than fixing it quickly. The issue requires the states to interact and discuss the matter directly, rather than using a mediator, in which the clauses provided in the guidelines for settling territorial disputes are too limited and can be interpreted in varying ways depending on the ideology adopted by a certain state.REFERENCESBaker, C. 2004. China-Philippine relations cautious cooperation. Pacific Center for Security Studies. October 5, 2013. Accessed from http//apcss.orgBBC. 2013. Q&A South China sea dispute. October 5, 2013. Accesse d from http//www.bbc.co.uk/news/world-asia-pacific-13748349De Castro, R.C. 2011. Maritime security Asia. October 5, 2013. Accessed from http//maritimesecurity.asiaEncomienda, A.A. 2011. The south China sea Back to the future through cooperation. October 6, 2013. Accessed from http//www.southchinaseastudies.orgFurtado, X.1991. International Law and the Dispute over the Spratly IslandsWhither UNCLOS? October 5, 2013. Accessed from http//www.findarticles.comJinming, L. and Dexia, L. 2003. The specked line on the Chinese map of the south China sea A note. October 4, 2013. Accessed from https//circle.ubc.ca/handle/2429/6494Joyner, C.C. n.d. The Spratly Islands dispute in the south China sea Problems, policies and prospects for diplomatic accommodation. South China Sea Virtual Library. October 4, 2013. Accessed from http//www.southchinasea.orgMorgentau, H.J. 2006. Politics among nations The struggle for power and peace. 7th Ed. New York McGraw-Hill/Irwin.Yeneza, Christine. 2012. The spra tlys conflict Foreign policy implications to the peoples republic of china and the republic of the Philippines. Cebu City, Philippines University of San-Jose Recolectos

Laptop with in Built Projector

June 5th, 2008 by Joanna Stern Beyond its Eee PC family line and slew of regular n angiotensin converting enzymebooks on display at Computex, ASUS is showing off an interesting image. In the corner of its booth is aG1 lap exceed computerwith a constituent(a) projector. Sure we have all heard about the possiblity of mini-projectors being built into carrel phones, tho no separate company has incorporated them into laptops as of yet. Check out our tv and inaugural impressions. I went hands-on with the laptop and think it could be awesome if it works as promised.Built-in to the top bezel of the notebook, the rotat fitting micro-projector is able to project what is on the screen of the notebook onto a flat surface. On the prototype unit only the top right corner of the display was actually projecting. It was pretty neat to fly to Web sites and see them appear on the confront wall. I even pulled up a YouTube mag and was able to watch it on the white wall. The contrast and color ing wasnt vivid and I couldnt find a way to adjust it on the system. But see for yourself and check out the video of the laptop projector in action. http//blog. laptopmag. com/asus-shows-off-built-in-laptop-projectorASUS Laptop With Built-In Projector Raises PowerPoint Threat to Critical Tucked away in a quiet corner at Computex, ASUS is showing a nondescript laptop with a built-in pico projector. picayune projectors have made variousappearancesat the tech show so far, most recentlyfrom Foxconn, however no other company has incorporated them into existing products, or for that matter shown many compelling applications for them other than in bulky and unrealistic cellphones. ASUS has provided the first example of what could be a fantastic use for this burgeoning bran-new tech. For now though, the execution doesnt seem great.The staff at PC Perspective, who were the first to lay eye on the device, couldnt tell much about the exact specs of the projection unit but judging by the pho to below (and the capabilities of other miniature projectors) the images wont exactly be dazzling. The camera is also built into the top of the bezel, which creates dickens pretty big chunks of wasted space. Speculative reservations aside, built-in projection capability could have serious potential in the business world, so ASUS may be on to something. http//gizmodo. com/5013328/asus-laptop-with-built+in-projector-raises-powerpoint-threat-to-criticalLaptop with built-in projector Jun. 07, 2008inComputers pic The projector for handset has been developed for about one year and is pass judgment to be released within this year. However, if you want make a presentation, laptop is apparently more useful than a cellphone, whats more, laptops battery life is longer. So, I bet you would like to own a laptop with a built-in projector. ASUS, a Taiwan based PC maker provide a good choice for us. It comes with an mini-projector on the top of the LCD display and you can rotate it to adjust the congeal to spring up the best image. picFujitsus Pico Projector-Packing Laptops Replace Optical Drive with Something Even More Useless I cant remember the last time I put a disc in my laptop. Maybe an sometime(a) mix CD. The worlds moving on from physical media Great But how about replacing that slot with something useful, and not apico projector? Fujitsus new LifeBook S761/C and P771/C notebooks are bizarre beasts, with fold-out pico projectors where your optical drive used to be. not only are the machines crazily expensive ($2,675 and $3,110, for middling specs), but the addition of the pico projector is confounding and bizarre.How about adding an bare large battery in that space? Or hey, justremoving the optical driveand making a lighter, slimmer notebook? The entire point of a pico projector was to be tiny and mobileso if theyre so hands down small, why would you ever want or need one integrated? The thing is clearly pegged for company room presentations and nothing else, as the pico projector is aimedsideways, with no other angle available. If this appeals to you, then please just get a reasonably priced laptop and a (separate) reasonably priced pico projector. Hey guys, wanna watch this PowerPoint on my new $3,000 laptop? http//gizmodo. om/5794704/fujitsus-pico-projector+packing-laptops-replace-optical-drive-with-something-even-more-useless HP to launch mini-projectors integration into notebooks a future possibility Yen-Shyang Hwang, Taipei Joseph Tsai, DIGITIMESThursday 21 January 2010 pic Hewlett-Packard (HP) is planning to run two major product lines for 2010 tablet PCs and mini-projectors, according to Monty Wong, vice president and manager of personal computing systems collection at HP Taiwan. When asked if the mini-projector technology could be applied to other devices much(prenominal) as handsets and notebooks, Wong stated that it is is likely and should not be a technical issue. Wong explained that placing a projector where the web cam is normally located is not difficult (but facing outward or in a rotatable position). HP added afterward that the company has no plans for such a product this year. Although the idea of a mini-projector notebook is not new, successfully bringing products to market has been slow down by design and engineering obstacles mainly related to cooling solutions.In terms of which ODM would be able to develop such a product, market watchers speculated that HP would likely turn to Quanta Computer as one of its potential partners, as the notebook ODM has also invested in a projector manufacturer (Royaltek). Concerning HPs plans for this year, HP plans to launch several(prenominal) stand-alone mini-projector products in the market as an introduction to the notebook-integrated designs, Wong noted. As for tablet PCs, Wong said that HP depart lean toward keyboard-less designs, meaning input will be through a touchscreen panel. Wong believes that HP is unlikely to push non-Wintel produ cts aggressively in the short term since these products are still have issues in software compatibility with Windows-based applications. Additionally, the ingredient is susceptible to fluctuating consumer demand and therefore needs to be carefully evaluated. (Editors note This article has been rewrite from its original version)

Course Project Rough Draft Essay

I have learned a skunk in achieving goals, time preferences, and pathways of learning analyze statements, types of thinking, reading and information literacy, bring something new to taking notes, explores types of memory, diversity, dialogue and stress management, managing money and reflections so I hatful be successful in my education. In this enlighten I have been giving good tips on either aspect on condemnable justice. It to a fault makes me know that it is to learn all the important information in the class so I apprize success in my education. I am a Verbal-Linguistic and more of a reader/writer then(prenominal) visual person. I have learned all the ends and out of criminal justice. This class has benefited me in every aspect in my life.I am not only motivated to make a fight in the communities, but also motivated to join the ranks of a new family. I chose this path because I have always enjoyed the idea of solving situations. I can honestly say I cant imagine myself d oing anything else because I am extremely fascinated by the role and intensity of these fields. salutary watching what it takes to do their job is remarkable. Thats why I love this class so frequently because its a learning process for me and my life. It makes my family so proud of me that Im taking criminal justice and going forward with my education. So all I have to do is stay with it so I can success in this degree.

A day of sorrow is longer than a month of joy Essay

This Chinese proverb renders (red) in a synthetic way the incident that we perceive the quantify in a subjective way, according to the moods created by the reaction to the events that we go through. When we flip over through unpleasant event of life story, we feel weak, vulnerable, even hopeless and everything seems to go wrong in our life so, time seems longer than it actually is. On the other hand, when we live happy moments , everything seems to go perfectly , we eviscerate enough power to improve our life, our family ties , our relationships with other people and we are more satisfied with ourselves. But, why do we feel that a day of sorrow is longer than a month of joy ?It is said that unhappiness is a completely rational response to certain losses so when we lose our self- confidence, or our health, our family ties, our friends or even when we do things which are unpleasant for us, we end up by feeling bad and time seems to freeze. But, when we feel fulfilled or when we d o things that we like, we feel good and time seems to fly. The problem is that most of us tend to stay with what we know rather than choose any form of change. As a result, we stretch to be unhappy. If we decide to change things, however, then we begin a journey that only we can correspond out. We should allow ourselves to face up the fact that it is possible to actually get rid of doubts and learn to be more contended with our life. This will bring a change of many aspects in our life including our outlook, our relationships and our choices.

Financial Management for Young Adults Essay

High credit card debt and pupil loan repayment constitute been seen to cause inconveniences to the recent adults just because of lack of proper prepargondness and sentience, when it comes to clutching with such(prenominal) matters of monetary guidance. (Giuseppe, 2012) tells us that mental health professions perceive funds to be corrupting people and that it is not right to have too much of it.With adequate steering skills, this statement could be sullen around such that the available money is used to dish the recent adults in managing their finances, however piffling or much and getting out of the hook of high credit debts and new(prenominal) similar situations. Kapoor, 2011) rationalises how take over neckledge, skills and decision making abilities argon key fruit essentials in managing finances. Starting from a tender age, matters of money manipulatement give the gate be taught at school and the students depart tend to collect much(prenominal) as they e manate to early(a) higher grades. Influence from p arents is as well as seen to be important as it can be a determinant factor in wooing the children to managing their finances correctly. Other innovative activities can also be used to make sure that these fresh adults spang how to go rough money issues.We see how sensibleness can help improve the situation of our new adults as it helps them to be well equipped in relations with any of such debt issues. Other loan repayment organizations such as Americas Debt Help Organization have played an important role in helping green adults ken with debts and loan repayments. All that one essentials to do is to register with such organizations and table your urgency to them. The reform part is that, they are available online and anyone can connect to them from any part of the world.Understanding fiscal management monetary management is the planning, organizing, directing and monitoring the manner in which you use your finances. Th e elements of monetary capability and how it impacts on reenforcement successes in particular on young adults are based on certain conditions as inform by Soyeon & Joyce (2011) (i) Financial socialization whereby parents are the determinant factor in helping their children to being pecuniaryly capable adults. The young adults tend to listen to their parents more than even how they pay attention to their coners at school. every(prenominal) child believes that their parents are al shipway right and they cannot in so far in them something of no value provided lead strive to give them the best. Once they buy the idea, consequently they would break up looking at fiscal management positively and this go out continue to uplift their awareness regarding finances. (ii) Cumulative grooming which emphasizes on the ongoing acquirement education at school. This can impact financial management skills to the young adults who are still at school and alter them to know more about fin ances.This will also mortify the fortunes of incurring unneeded credit card debt, but increase their noesis in money savings. With this, they will be aware of the benefits of accessing basic necessities like rental housing, savings names and other important needs in life. Starting to teach these young students as early as possible will help them grow with the information at heart and even influence how they will manage their finances later on in life and throughout their lives. Starting early also gives them ample metre to grow and know more about finances as they develop from stage to stage.Soyeon & Joyce (2011) explains that if young adults are exposed to ongoing financial education, then they gain more financial knowledge and this is found to increase their financial responsibility and behavior when still young, thereby shaping them to be responsible adults later on in life. All these aim to chevy self awareness and positive behaviors towards financial management for the yo ung adults. Recent studies have proved that if key financial education concepts are introduced early in school, then that foundation continues to be built systematically (Mansfield & Pinto, 2008).Opportunities where young adults practice how to manage their money could also be done through innovative discipline and this could serve as a platform to start financial management skills. With this, they would have learnt physically and be in a position to handle any concepts while still at school. Concepts like simulation would enable students interact with various financial products and services and this in turns sharpens their decision making skills due to potential and improved retention.Parents also play an important role in mentoring these young adults and hence discussion topics on finance management should be encouraged at home, to enable them fully understand these concepts. Parents are more influential as a resent research from Arizona Pathways to Success for University Stud ents found out. The nature of family relationship between parents and children are becoming peer-like and that, the value of their relationship continues to grow as a result of this (Serido, 2012). Parents are active in supporting their children in other academic projects and knowledge in general.This attitude should be extended to help nature these children in matters of financial management such that even as they grow, they know that finances is part of them. Personal financial management is one area that needs planning especially for young adults who are still in school and even for those who have just completed schooling. If ain finances are well planned, it leads to accomplished goals such as settling school loan repayment. evidence between the short and long term individualised financial goals and know which one to prioritize (Madura, 2010). tutor loan repayment plan could be categorized as long term as compared to knock overation an emergency fund. With an estimate of how much you expect to save, you will be getting clearer perception of your financial goals. (Madura, 2010), Financial goals should be realistic. Dont deceive yourself or be over optimistic as this may lead to disap dismantlement. Or rather, dream of what is within your reach as a young adult and buy the farm hard, in order to achieve it. You can even be involved in part clipping employment where you can get small savings and later plan with it. Determine the type of effect you take in setting up your financial goals.Kapoor (2011) says students have many different financial goals, but none are more important than having a basic understanding of financial issues and peace of thought with regard to their decisions. The ultimate goal of Focus on Personal Finance is to get students to this point as a first step to achieving the many financial goals they have set for themselves. Once these goals are set, you will be able to manage yourself such that if you want to reduce credit ca rd debt, you automatically reduce the use of credit and this, will help lessen the burden of un necessary debts.Everything set within a time frame will also help one achieve his or her goals as planned. operative with time enables one to be on his or her toes and limits prolonged loan repayment, which could accrue more participation as compared to limited time frames. Causes of poor Financial Management Lack of proper financial skills and knowledge are the major causes of poor financial management among the young adults. (Torabi, 2010) guides the young professionals to take control of their money in order to learn how to live independently with more comfort. Schools do not teach young people about personal finance. therefore, if obligingnessive organizations could come out and take this matter into their hands, then the young could have direction about personal finance. As regard to parents, they do not know how to instruct their young adults about money and managing finances. This has been the major cause of financial management problem because these young adults do not get substantial training and skills concerning money issues. The other problem results from more complex financial marketplace, because most of the young adults do not know where to turn to when looking for savings providers and other financial products and services.As explained by Mansfield & Pinto (2008) that financial literacy of high school students is very low as neither parents nor teachers are showing them the way on how to manage their finances. This puts the young adults at a difficult point when need arises and they have to settle their debts by themselves. More so, when one is starting his or her own life, it turns out that they are not sure of what to do whenever they are faced with challenging budgets.Organizations which deal with issues of money management should turn over hard towards providing guidelines and enough resources on financial decisions, to help boost their kno wledge on financial management. miscellaneous lessons can be used to help the young adults be able to utilize their finances in a more effective manner, in order to evade the high item of debts which at times are not easy to pay off. Solutions As a worrying trend, it is necessary to involve students at school into programs that can help them deal with financial obligations, so that the issue of coupling with high debts is minimized.Mansfield & Pinto (2008) explain credit card knowledge and how many students do not know the concept of their credit cards. some(prenominal) precautions can be taken to enable these young adults manage their credit cards and avoid unnecessary debts. Keeping a credit card active will help you score numerous points. It is inform that, registering for mobile alerts helps one to monitor his or her credit card transactions and helps one to have the necessary information when need arises. (Madura, 2010). Dealing with debt is not so comfortable especially f or the young adults.It would therefore be advisable to always use a debit card if one wants to avoid debts. This will enable one to get used to using a debit card which is the better option, in respect to handling their finances well without getting into unnecessary debts. It is advisable to be involved with debts only if you have clear means and plans of refunding it back without too much strain. Otherwise, it is a wise idea to operate without debts so as to limit the chances of overspending. Savings is some other solution which the young adults can opt for, as Torabi (2010) encourages the young to be realistic and prepare for risks which occur from time to time.These savings are crucial in cases of emergencies, especially for young adults who want to start life and live independently. By this, they will have an easy time in managing their finances and taking control of the unexpected. Saving is also regarded as the first step into investments because it gives you the chance to ke ep some money aside to be used for emergencies, or for other better things other than the usual spending. One can either have the option of operating a savings account or money market account. These enables one to access money whenever he or she needs it and at the same time, earns interest.This is a cheaper option as there are usually no fees if you decide to keep a minimum balance which keeps it in operation. Partnering with certain banks is another solution to curb the rise of financial management illiteracy among the young adults. In here, collaboration of schools with credit unions and banks have seen the young take a positive stand at take oning out their financial obligations while managing such accounts (Giuseppe, 2012). They learn more from school financial education and become more conversant with financial products and services, as they would have cognise and learnt financial skills from a more practical point of view.Joining non school based learning also enables these young adults to have ample time for financial discussion, whose norm is taken away from the normal frame-up of a classroom. These groups have continued to enlighten the young adults and encourage them on matters of managing personal finances (Mansfield & Pinto, 2008). Financial to the youth has now been made possible and understandable, especially through tailored programs and other means of learning which can are easily accessed by students. Financial entertainment through online is the next criteria in dealing with financial management illiteracy.This has provided a chance for the young adults to participate in online training, mobile gaming and other interesting methods through the network. youthfulness adults can also settle for loan repayment programs which will help in eliminating some or all of the student loans. This move could see young adults start their liberty lives with less burden and debts. Unfortunately, many graduates are not aware of such schemes as explained by Giuseppe (2012) and this is the point where respective organizations should come in to help elevate the burden of school loan repayments and debts.These programs give additional funds to the young adults, which they can then use to resettle their school loans in good time. Young adults do not have to wait until they are through with school to start looking for employment. There are part time jobs that can help subsidize these loans to avoid having a huge throw away when you are through with schooling. Several researchers have explained how there are a rise in students who work part time in order to meet their financial obligations, as compared to the previous years when around every student was a full time based student.This explains why young adults must promptly develop financial decision making skills to manage other responsibilities that arise from todays changing economic landscape, as we are told by Serido (2012). Working and studying at the same time may not be easy but what matters is the long term financial gains that result from it. This trend however, can help in clearing your school loan faster enough and get time to start your independent life once you are through with schooling. If everything works out as planned, within the stipulated time frame, then it is worth the effort of studying and working all at the same time.In such a scenario, we find out that time is well utilized and at the same time, one moves on quite quickly as compared to studying, then looking for employment later on. For those who want to start liveness independently, and are in dire need of various assets, could go for a compensation package at their workplace. It was realized that some companies cannot pay huge salaries but just offer low wages in exchange for your loan repayment (Torabi, 2010). In this way, you as an employee will benefit as your loan will eventually be paid while you get some pay as well. The employer also benefits as he or she spends less in salar y payments.This idea works best when brought up during salary negotiations so that, the employer is well informed and knows that you will be committed at the work place for as long as there is an exchange for your student loan payment. Conclusion As reported by Soyeon & Joyce (2011) that todays youth financial security rests on ones own shoulder. This implies that it is personal responsibility for the young adults to make sure that their financial practices bring forth better results for tomorrow. This process is graduated and the earlier one starts to organize him or herself, the better.Awareness has been a hidden tool for most of the young adults but with more light on the table, these people are being enlightened on ways to manage their finances and know how to handle tough cases like debts. Parents are not to be left hand out in the entire process of preparing their children to be good managers of personal finance. Information is the key and the more these young adults keep on searching for information about money matters, the more they learn how to deal with personal finance management and how to avoid unnecessary debts and the like.It is our obligation as policy makers, teachers, parents and the rest to know the value of financial management and how it influences our daily life. A recent study by CFPB office of financial education policy, April 2013, encourages states to consider adding to the list, experiential learning to help equip our young ones with proper management skills, so as to enable them be better managers of their own personal finances. Understanding financial options should be another priority in trying to evade high paying loans.Less expensive loans could give these young adults an easy time in paying back, as compared to private or alternative student loans. A longer duration of payment could also enable these young adults to offset their debts as they will be able to budget with the little they have, instead of paying huge chunks of c ash and being left with nonentity to support themselves. Literacy to students alone may not bring the kind of impact that is needed. Having to extend financial literacy education to the students parents could help the society reach higher grounds, in matters concerning loan schemes and repayment.Campuses may not want to consider financial management education sessions for both incoming students and their parents during orientation. Resources which are available online could serve as a great tool in helping the parents understand and learn what they need to know about financial management and its impact on their children. Both online and class-room based learning have enabled the young from far and near, to learn more about finances and even choose their convenient time. This impact has been felt and even the degree of awareness has started to rise, as many young ones now have a hint on how to manage their finances.