Technology-HSBC Case Study Essay Example for Free

Innovation HSBC Case Study Essay How has the organization decided to improve its information on clients and in this manner its dynamic? Examine the administration, association, and innovation measurements of the arrangement. HSBC, likewise with different banks, exploited numerous poor shoppers hoping to claim their own home. These customers had low FICO assessments, are in default or have low pay, which implies there was a higher likelihood of them not taking care of the advance. These banks exploited by not clarifying the whole procedure of how the sum will twofold and the financing cost will get customizable following several years. This prompted numerous subprime contract credit holders to not meet installments and in the long run lose their home. As a result of this HSBC was one of the primary banks â€Å"announce a billion dollar discount connected to its presentation to subprime contracts. † (Modell) HSBC improved one route by propelling their innovation. Information is gathered and sent to one group of specific people who ensure that everything is right for endorsement. HSBC additionally executed another procedure utilizing Experian-Scorex choice help programming. This new programming will help HSBC with their dynamic procedure. It â€Å"allows HSBC to distinguish the estimation of every client and make custom fitted item bundles. † (Finextra) George Lennox, a ranking director at HSBC, expressed â€Å"Strategy Management will without a doubt become an indispensable piece of our business and we expect that it will settle on in excess of 50 billion client choices every year for us as we turn it out over our worldwide business. (Finextra) They have likewise concluded that consumer loyalty and building trust is a higher priority than benefit. Did HSBC pick the best arrangement? Clarify your answer. HSBC picked an extraordinary arrangement. They permitted nearly anybody to acquire a credit as long as they met a few prerequisites. By utilizing the new system the executives programming they actualized, they will have the option to ensure that every client searching for administrations are qualified and ready to keep the administrations. Investigate HSBC . Does this Web webpage give chances to HSBC to accumulate information about its clients? Depict the client information gathered at the Web webpage and clarify how that information can be utilized to improve its business execution. Okay overhaul the Web webpage to build cooperations with clients? I investigated HSBCPremier, where they gave heaps of data on how I can set aside cash for my family, for instance a school reserve or putting something aside for my child’s first vehicle. HSBC demands bunches of data for the most part broad, for example, name, date of birth, government managed savings number and driver’s permit number. Be that as it may, they likewise demand other data, for example, any current credits or contracts, and for moment subsidizing you have to give them your present financial data. By gathering this data, it gives HSBC the correct devices to have the option to help clients with incredible fulfillment. HSBC has necessities connected to every one of their administrations. They need to support clients in the most ideal manner so they utilize the data gathered to give clients the best assistance. I would not upgrade the whole site. It appears to be entirely obvious to me that in addition to the fact that they give a lot of data on every item and administration they give, yet you can contact a delegate who will unmistakably decipher anything you don’t comprehend. In any case, one element that I would include is in the â€Å"contact us† area, an alternative to visit with a live administrator. This will permit clients to talk online with a delegate about administrations without approaching telephone or go to an area. HSBC had dynamic apparatuses set up preceding the subprime emergency. For what reason would you think they missed or disregarded the potential calamitous outcomes that became reality? What included worth would the new Experian-Scorex programming give? HSBC was hoping to grow in the U. S. With the ascent of shoppers hoping to become mortgage holders, as a business your first nature is to get in the game and increment benefits. I accept that HSBC just needed to develop and support clients, yet due to not being mystics and realizing that the market would crash and individuals would lose positions and not have the option to take care of credits, they lost in that game. At the point when you have banks not gathering the correct data on buyers to help foresee in the event that they can pay the credit or not and not disclosing the advance effectively to customers, it causes clashes. Purchasers didn't generally comprehend the advances; they just realized they would become property holders. Subprime credits are the most exceedingly terrible, to me. Who needs to take care of multiple times what their house is really worth? The new Experian-Scorex programming will give incredible incentive to HSBC’s system the executives. This new framework will gather data and will help HSBC in their credit choices. â€Å"George Lennox, Senior Manager, Group Credit and Risk at HSBC: As one of the universes driving money related associations, us that we utilize driving edge choice help innovation. † (Experian) By actualizing this new innovation, HSBC will better help their new and existing clients.

Biography of Mark Zuckerberg, Creator of Facebook

Life story of Mark Zuckerberg, Creator of Facebook Imprint Zuckerberg (conceived May 14, 1984) is a previous Harvard software engineering understudy who alongside a couple of companions propelled Facebook, the universes most mainstream informal community, in February 2004. Zuckerberg additionally has the qualification of being the universes most youthful very rich person, which he accomplished in 2008 at 24 years old. He was named Man of the Year by Time magazine in 2010. Zuckerberg right now is the CEO and leader of Facebook. Quick Facts: Mark Zuckerberg Known For: Chief official, president, and originator of Facebook, most youthful billionaireBorn: May 14, 1984 in White Plains, New YorkParents: Edward and Karen ZuckerbergEducation: Phillips Exeter Academy, went to HarvardPublished Works: CourseWork, Synapse, FaceMash, FacebookAwards: Time magazines 2010 Man of the YearSpouse: Priscilla Chan (m. 2012)Children: Maxima Chan Zuckerberg, August Chan Zuckerberg Early Life Imprint Zuckerberg was conceived on May 14, 1984, in White Plains, New York, the second of four youngsters destined to dental specialist Edward Zuckerberg and his significant other, therapist Karen Zuckerberg. Imprint and his three sisters, Randi, Donna, and Arielle, were brought up in Dobbs Ferry, New York, a tired, wealthy town on the eastern bank of the Hudson River. Zuckerberg started utilizing and programming PCs in center school, with the dynamic help of his dad. Edward showed the 11-year-old Mark Atari BASIC, and afterward recruited a product engineer David Newman to give his child private exercises. In 1997 when Mark was 13, he made a PC organize for his family he called ZuckNet, which permitted the PCs in his home and his dads dental office to convey by means of Ping, a crude rendition of AOLs Instant Messenger that turned out in 1998. He likewise created PC games, for example, a PC rendition of Monopoly and a form of Risk set in the Roman Empire. Early Computing For a long time, Zuckerberg went to open secondary school Ardsley and afterward moved to the Phillips Exeter Academy, where he exceeded expectations in old style studies and science. He won prizes for math, space science, and material science. By his secondary school graduation, Zuckerberg could peruse and compose French, Hebrew, Latin, and antiquated Greek. For his senior venture at Exeter, Zuckerberg composed a music player called the Synapse Media Player that utilized computerized reasoning to get familiar with the clients listening propensities and suggest other music. He posted it online on AOL and it got a large number of positive surveys. Both Microsoft and AOL offered to purchase Synapse for $1 million and recruit Mark Zuckerberg as a designer, however he turned them both down and rather selected at Harvard University in September 2002. Harvard University Imprint Zuckerberg went to Harvard University, where he contemplated brain science and software engineering. In his sophomore year, he composed a program he called Course Match, which permitted clients to settle on class determination choices dependent on the decisions of different understudies and furthermore to assist them with shaping examination gatherings. He likewise developed Facemash, a program with the expressed motivation behind discovering who was the most appealing individual nearby. Clients would see two pictures of individuals of a similar sex and pick which was the most sweltering, and the product aggregated and positioned the outcomes. It was an astonishing achievement, yet it stalled the system at Harvard, people groups pictures were being utilized without their authorization, and it was hostile to individuals, especially womens gatherings, nearby. Zuckerberg finished the task and apologized to the womens gatherings, saying he thought of it as a PC try. Harvard put him waiting on the post trial process. Concocting Facebook Zuckerbergs flat mates at Harvard included Chris Hughes, a writing and history major; Billy Olson, a performance center major; and Dustin Moskovitz, who was examining financial matters. There is no uncertainty that the conversational stew that happened among them prodded and improved a large number of the thoughts and tasks that Zuckerberg was dealing with. While at Harvard, Mark Zuckerberg established TheFacebook, an application proposed to be a solid index dependent on genuine data about understudies at Harvard. That product in the long run prompted the February 2004 dispatch of Facebook. Marriage and Family In his second year of school at Harvard University, Zuckerberg met clinical understudy Priscilla Chan. In September 2010, Zuckerberg and Chan started living respectively, and on May 19, 2012, they were hitched. Today, Chan is a pediatrician and altruist. The couple has two kids, Maxima Chan Zuckerberg (conceived December 1, 2015) and August Chan Zuckerberg (brought into the world August 28, 2017). The Zuckerberg family is of Jewish legacy, despite the fact that Mark has expressed he is an agnostic. Starting at 2019, Mark Zuckerbergs individual riches was assessed to be more than $60 billion. Together, he and his better half established the magnanimous Chan Zuckerberg Initiative, to use innovation to help the points of science, training, equity, and opportunity.â Imprint is presently president and CEO of Facebook and works at the companys office in Menlo Park, California. Other organization administrators incorporate head working official Sheryl Sandberg and CFO Mike Ebersman. Zuckerberg Quotes By enabling individuals to share, were making the world progressively straightforward. At the point when you give everybody a voice and give individuals power, the framework as a rule winds up in a great spot. In this way, what we see our job as, is giving individuals that power. The web is at an extremely significant defining moment at the present time. As of not long ago, the default on the web has been that most things aren’t social and most things don’t utilize your genuine personality. We’re working toward a web where the default is social. Sources An Interview with Mark Zuckerberg. Time Magazine.Mark Zuckerberg Interview, ABC World News with Diane Sawyer.Amidon Lã ¼sted, Marcia. Imprint Zuckerberg: Facebook Creator. Edina, Minnesota: ABDO Publishing Company, 2012.Kirkpatrick, David. The Facebook Effect: The Inside Story of the Computer That Is Connecting the World. New York: Simon Schuster, 2010.Lessig, Lawrence. Sorkin Vs. Zuckerberg. The New Republic, 30 Sept 2010.McNeill, Laurie. There Is No I in Network: Social Networking Sites and Posthuman Auto/Biography. History 35.1 (2012): 65-82.Schwartz, John. No Stopping Movie View of Mark Zuckerberg. The New York Times 3 Oct 2010.

7 Timely 2020 Nonfiction Books to Add to Your TBR List

7 Timely 2020 Nonfiction Books to Add to Your TBR List With so many exciting new releases to look forward to in 2020, it can be hard to keep track. But one things for sure: You wont want to skimp on the nonfiction next year. Whether you generally prefer true stories or simply want to try delving outside the fiction pool in the new year, there are plenty of worthy upcoming options to choose from. From an unflinching look at Silicon Valley to a behind-the-scenes glimpse of royal life, here are seven highly entertaining and insightful nonfiction books to check out in 2020. Why We Can’t Sleep: Womens New Midlife Crisis by Ada Calhoun (January 7, 2020) Despite having a solid career and being married with children, Gen X-er Ada Calhoun found herself miserableâ€"and surrounded by other similarly aged women who seemed to feel the same way. Determined to find answers, Calhoun started analyzing data and quickly found a pattern. In Why We Can’t Sleep, Calhoun delves into the social and cultural generational issues plaguing women as they enter middle age and offers pragmatic advice on how to find support and move forward. Uncanny Valley: A Memoir by Anna Weiner  (January 14, 2020) Anyone interested in the start-up culture of Silicon Valley will want to check out this debut from Anna Weiner, who left a job in book publishing in her mid-20s to join a big-data company in San Francisco. Weiner delivers a compelling and sharply written reflection of her experience in an industry that can be both promising and reckless. Part memoir, part insider’s report, this timely release serves as an intimate and candid critique of our digital age. Here for It: Or,  How to Save Your Soul in America  by R. Eric Thomas (February 18, 2020) Lin-Manuel Miranda has called Elle columnist R. Eric Thomas “one of the funniest writers on the Internet”â€"and it’s easy to see why. This collection of essays is both hilarious and poignant, chronicling his lifelong journey to self-acceptance, from struggling to fit into the white, suburban neighborhood of his childhood to reconciling his sexuality with his Christian faith. In this book, Thomas also reflects on his career as a writer, including the surreal experience of covering of the 2016 election, and how to redefine your own “normal” as the world becomes increasingly unpredictable. Yellow Bird: Oil, Murder, and a Woman’s Search for Justice in Indian Country by Sierra Crane Murdoch (February 25, 2020) In this gripping true crime story, Sierra Crane Murdoch recounts the story of Lissa Yellow Bird, a woman who was released from prison in 2009 only to find her home, North Dakota’s Fort Berthold Indian Reservation, totally changed. Three years later, a young white oil worker mysterious disappears from his reservation worksite. With few looking for him, Lissa sets out to find answers herself. Drawing on eight years of investigative reporting, Murdoch delivers a deft account not only of Lissa’s journey, but also of the long legacy of violence and exploitation on Native American reservations. Lady in Waiting: My Extraordinary Life in the Shadow of the Crown by Anne Glenconner (March 24, 2020) Ever wished you could witness some of the biggest moments in royal history? Get an insider’s account from this remarkable memoir written by a close member of the royal circle. Having served as a lady in waiting to Princess Margaret until her death in 2002 and as Maid of Honor at Queen Elizabeth’s coronation, Lady Anne Glenconner’s life has been marked with glamour, drama, and tragedy. In this genuine and candid work, Lady Anne recounts her story, offering some rare insight into the uniquely fascinating world of royal life. More Myself: A Journey by Alicia Keys (March 31, 2020) You know Alicia Keys as a critically acclaimed, Grammy-winning artist. But privately, the singer has struggled with heartache over her challenging relationship with her father and the many pressures of fame. In this intimate memoir, Keys candidly looks back at her own journey of self-discovery, from her childhood in New York to her rise as one of the most successful women in music. Joy at Work: Organizing Your Professional Life by Marie Kondo (April 7, 2020) Marie Kondo is back and once again encouraging you to find that which sparks joyâ€"this time, in your professional life. Teaming with Rice University business professor Scott Soneshein, Kondo offers anecdotes, research, and strategies for eliminating clutter in your office and establishing a happier and more productive work life.

The Battle Of The St. Lawrence Seaway - 1693 Words

The Battle of the St. Lawrence Seaway refers to the attacks on Allied shipping in the Gulf of the St. Lawrence from 1942 through to the end of the shipping season in 1944 . German submarines, commonly called U-boats, entered into these Canadian waters to hinder and delay Allied supplies from reaching Britain across the Atlantic . However, Allied convoys still made voyages to Britain and back, constantly supplying them with goods. Sailing across the middle of the Atlantic itself was considered far more dangerous than just leaving the Canadian ports. Therefore, through examining Germany’s intent for entering the Gulf of the St. Lawrence, effect on Allied shipping, and subsequent response by the Allies with respect to the attacks, it can be shown that U-boats entering into Canadian waters had very little impact on impeding Allied shipping. Allied shipping from North America to Britain needed to supply at least a million tonnes of goods to allow Britain to survive and fight agains t the Axis . Winston Churchill, Prime Minister of Britain for the duration of the Second World War, called the Battle of the Atlantic â€Å"the [most] dominating factor all through the war. Never for one moment could we forget that everything happening elsewhere, on land, at sea or in the air depended ultimately on its outcome† . Therefore, whoever held the upper hand in the Battle of the Atlantic held the advantage in supplies for the war. Germany decided to employ their U-boats to try to delay and strikeShow MoreRelatedhow did war change canada1322 Words   |  6 PagesUnited States, were the only two countries of the Second World War whose infrastructures were greatly developed. The ascension of both countries’ economies resulted in a long lasting partnership of trade and common building projects, such as the St. Lawrence Seaway. Just as Canada’s economy underwent major changes during and after the period of World War Two, so did the roles of Canadian women in the nation’s economical and social landscape. Prior to the war, the workforce had a relatively lowRead MoreHistory Grade 10 Exam Review6476 Words   |  26 Pages * Winston Churchill: 1940- 1955 * British PM * Asked Canada to send troops for the battle of Hong Kong * Franklin Roosevelt: 1933- 1945 * President of US * Created the New Deal in 1935 * Harry Truman: 1945- 1953 * President of US * Used atomic bomb * Joseph Stalin: 1922- 1952 * Leady of the Soviet Union * Dictator * Louis St. Laurent: 1948- 1957 * Liberal * Canada became more international under his power Read MoreMcCarthy and Modern Republicanism, An Outline Essay1877 Words   |  8 Pagesthe federal commitments with the area †¢ It was the National Interstate and Defense Highways Act within 1956 that had 26 billion dollars over ten years for construction of national highway system †¢ It was within 1959 of the building of the St. Lawrence Seaway for linking the Great Lakes with Atlantic Ocean through program of U.S. and Canada †¢ Soviet Union then had the Sputnik within 1957 of the first satellite that caused for the U.S. to step up †¢ Eisenhower then had the National Aeronautics andRead MoreMost Significant Events in History- 1950-19902242 Words   |  9 Pagesfurther distance to travel which increased automobile sales. Along the highway there were many new opportunities for people to open businesses such as shopping centers, drive in movies, gas stations and fast food places. Eisenhower also signed the St Lawrence Seaway Act that opened up the Great Lakes to allow shipping between the US and Canada. 1960’s- Kennedy’s New Frontier, Civil Rights, and the Hippie Subculture The 1960’s marked an era of change and a social revolution for many people in the UnitedRead More Biography of Dwight David Eisenhower Essay4593 Words   |  19 PagesIke began to call around. Senators knew of his father and his reputation, thus they were happy to write a recommendation. After he had enough recommendations, he began to study vigorously to pass the entrance exam. In the spring of 1911, he went to St. Louis, took the exam, and passed. In early June of 1911, Ike was off to West Point. Being a military school, West Point was really tough. The leading officers convinced the young cadets that they were nothing. They were made to sleep in tents duringRead MoreThe Effectiveness of Eisenhowers First Term: 1953-19565004 Words   |  21 PagesThis proposal was designed to create a program that would offer alternatives to nuclear war and to find peaceful applications of the technology within the United Nations. The new President continued to try to initiate joint construction of the St. Lawrence Seaway that had been promoted by previous administrations with the Canadians. Another of the initiatives that Eisenhower took was the New Look defense program. In this program the budget of the United States Army would be cut back. The funds thatRead MoreIroquois Confederacy9092 Words   |  37 Pagesathletes use Haudenosaunee passports as they travel around the world. Protecting the land is another priority. Since the 1940s, the Haudenosaunee have been involved in land issues involving projects as varied as the Kenzua Dam project, the St. Lawrence Seaway, and the Niagara Power Plant. After New York state attempted to condemn a portion of the Senecas land for use in building a highway, a federal court ruled in the 1970s At the beginning of the century, many Iroquois were leaving the reservations

Significance of the Copernican Principle

The Copernican principle (in its classical form) is the principle that the Earth does not rest in a privileged or special physical position in the universe. Specifically, it derives from the claim of Nicolaus Copernicus that the Earth was not stationary, when he proposed the heliocentric model of the solar system. This had such significant implications that Copernicus himself delayed publishing the results until the end of his life, out of fear of the sort of religious backlash suffered by Galileo Galilei. Significance of the Copernican Principle This may not sound like a particularly important principle, but its actually vital to the history of science, because it represents a fundamental philosophical change in how intellectuals dealt with humanitys role in the universe ... at least in scientific terms. What this basically means is that in science, you shouldnt assume that humans have a fundamentally privileged position within the universe. For example, in astronomy this generally means that all large regions of the universe should be pretty much identical to each others. (Obviously, there are some local differences, but these are just statistical variations, not fundamental differences in what the universe is like in those different places.) However, this principle has been expanded over the years into other areas. Biology has adopted a similar viewpoint, now recognizing that the physical processes which control (and formed) humanity must be basically identical to those that are at work in all other known lifeforms. This gradual transformation of the Copernican principle is well presented in this quote from The Grand Design by Stephen Hawking Leonard Mlodinow: Nicolaus Copernicus heliocentric model of the solar system is acknowledged as the first convincing scientific demonstration that we humans are not the focal point of the cosmos.... We now realize that Copernicus result is but one of a series of nested demotions overthrowing long-held assumptions regarding humanitys special status: were not located at the center of the solar system, were not located at the center of the galaxy, were not located at the center of the universe, were not even made of the dark ingredients constituting the vast majority of the universes mass. Such cosmic downgrading [...] exemplifies what scientists now call the Copernican principle: in the grand scheme of things, everything we know points toward human beings not occupying a privileged position. Copernican Principle versus Anthropic Principle In recent years, a new way of thinking has begun to question the central role of the Copernican principle. This approach, known as the anthropic principle, suggests that maybe we shouldnt be so hasty to demote ourselves. According to it, we should take into account the fact that we exist and that the laws of nature in our universe (or our portion of the universe, at least) have to be consistent with our own existence. At its core, this isnt fundamentally at odds with the Copernican principle. The anthropic principle, as generally interpreted, is more about a selection effect based on the fact that we do happen to exist, rather than a statement about our fundamental significance to the universe. (For that, see the participatory anthropic principle, or PAP.) The degree to which the anthropic principle is useful or necessary in physics is a hotly debated topic, particularly as it relates to the notion of a supposed fine-tuning problem within the physical parameters of the universe.

Original Writing †Prose A day in the life of Lauryn-Emily Jones! Free Essays

I woke up feeling worried about the day before me, The other staff members had warned me that Thursday was always the worst day but refused to tell me why. Since Monday I had been working in the oncology outpatients department of the city hospital and so far had dealt with all the different emotions adequately. It was hard work not because of the jobs I had to do but because seeing people in and out everyday either recently being told they had cancer or having suffered for years they were still sad when they got bad news and happy when they got good so all the emotions were mixed up. We will write a custom essay sample on Original Writing – Prose: A day in the life of Lauryn-Emily Jones! or any similar topic only for you Order Now When I walked in on Thursday morning just before nine as I had for the past three days things looked normal. The walls which had been freshly painted were looking bright and fresh and all the staff still looked happy and were smiling so I hoped it was going to be a good day. I went behind reception and there was nothing to do so I stood and watched the people. Most were quite old but all had someone with them for support. I wished silently that everyone that day would get good news but I knew deep down that it was not going to happen and I felt a slight pain in my heart for all the people sitting there, Who were not lucky enough to be seen by some of the best doctors in the world. The disease that was slowly killing could be cured in some cases but it also had lots of side effects to go with it including hair loss, feeling sick at most times, plus the risk of killing too many good cells while killing the bad ones and being in great pain a lot of the time. As I stood thinking about all these things something suddenly popped into my head, What about all the people that did get better? These people included my own Nan who had suffered with throat cancer for a long time but was now cured? This is the proof that these treatments although terrible did work and that even if someone is diagnosed with cancer things can get better. I carried on looking around when a little girl who I later found out was only four came running in, She seemed to know her way around the department and as I looked I realized she did not have very much hair and then I saw her mother. She was a feeble looking woman in a wheel chair; Her husband was pushing her along as she was too weak to do it herself. I decided to talk to this wonderful family and found out the mother had been diagnosed with cancer not long after the doctors told her their daughter had a brain tumour and without a lot of operations and radiotherapy would not live very long and if she did she would be very weak for a lot of her life so may not enjoy it as much as she could. I watched the girl. She was very small and thin and she had tiny patches of hair on her head where the chemotherapy and radiotherapy had made it fall out. Her mother said she had a cancer which they could not specify because it was a mixture of two and she had to have more tests until they could find out. The little girl continued to run around and say hello everyone always keeping a massive smile on her face! This made me smile and I noticed that her father was a very strong man who obviously loved them very much. They soon had to go as the little girl had to have some more radiotherapy. As soon as they went I decided to see what I could find out about radiotherapy. I was told that if a child has to have radiotherapy they get fitted for a mask which fits right over their face, head and neck this is then sent to be made into plastic mask. When the mask is sent back and the child is ready for the radiotherapy, because they can not stay still enough the mask is put over their face with only two little holes for breathing as eye holes are too dangerous. The mask is bolted tightly to the table to stop the child moving because the equipment they use is just a small laser. Unlike chemotherapy it can only be used on the affected part of the body to kill the cells and not on other parts of the body as it kills too many cells and can be very harmful. I stood and thought about this for a minute and wondered whether I would be able to cope with this and how that lively, amazing little girl could cope with it and was told by the lady who does the radiotherapy that most of the time patients have to be put to sleep because they get too distressed by the mask. This thought frightened me and once again I thought how lucky I was to be a normal, healthy 15 year old girl. I found that being in radiotherapy was too distressing and decided to go back up to oncology but when I walked in straight away everything was different, the atmosphere had changed while I was away and I could feel it. I carried on in through the doors and as soon as I got round the corner I realized the whole of the oncology department was full of young men! To any other teenage girl this would be wonderful but to me it was scary. I turned to look and saw a young man no older than 22 sitting in a wheel chair and when it came to going to have his blood taken needed help to get up because he was so weak due to the all the treatment and the disease. I went back behind reception and carried on looking around when I was startled by a lad who slammed his arm down on the desk he looked at me and I noticed he was about the same age as me and he did not look very happy, he had another lad with him who I guessed was for moral support they both smiled at me but the smile was small and not very positive. I decided to go and sit with the lads to see if they would talk to me. I explained what I was doing and they were ok to talk to me. The lad who’s name was Rikki told me he was 15 and had been diagnosed with teratoma cancer when he was just 13 and had recently had an operation to try and get rid of it after chemotherapy failed. The other lad who was there was his best mate Ashley, he had been there through everything and they were very close. He said today he had come in to find out whether they had got rid of the cancer or not but was told the chances were small, he gave me a glance his eyes looked sad but I could tell there was a glimmer of hope in there but as he explained he didn’t want to get too excited for just in case the news was not good. He said he had to stay for a while because he also had to have blood tests and that he would come and see me before he went. I looked at the time and realized I had missed nearly half of my lunch! Although it was raining I wanted to go and sit outside in the fresh air so I could think and I had a chance to clear my head, I watched the people walk in and out and made the decision I would take each day as it comes because I never know what is around the corner, I also decided I would keep very busy after lunch so I could not think about it to much as deep down I was very distressed and was finding it very hard. When I had finished my lunch I went back in to find the waiting area not so packed but was still full of young men waiting to see the doctor. I went to find one of the nurses to talk to and came across Zoi, she had been in the oncology department for 2 years but was leaving soon as she wanted to finish training as a nurse because she never had the chance to do the things she had wanted. We talked about all the people and my feelings; she said the best way to deal with it is to just pretend that everyone was going to be cured and to think myself lucky it was not me. It sounded like a good idea and she also told me Audrey my supervisor wanted to see me at 3 o’clock. We went back to reception and I was asked to do some filing and pulling. This meant taking people’s notes and putting them back on the shelves and getting the lists for the next week and pulling all the files for that which is hard because sometimes they are not there so I have to go to other places around the hospital. Once again when I was reading through the lists thinking about whether I had seen any of the sets of notes I was startled by a hand slamming down on the desk but this time when I looked up I saw a smiling face! It was Rikki again but this time he had the kind of smile I knew no one was going to get rid of! I asked him what the doctor said and in the most wonderful happy voice I have ever heard he said â€Å"It’s gone! † I smiled at him and he carried on jumping around laughing and then proceeded to try and get me to go to the pub with him to celebrate. We chatted for a little while then I realized I had to get on with my jobs so he gave me one more very happy smile and walked off. Even with his back to me I knew he was going to be smiling for a very long time and it was going to take a lot to get rid of that smile! How to cite Original Writing – Prose: A day in the life of Lauryn-Emily Jones!, Essays

Original Writing †Prose A day in the life of Lauryn-Emily Jones! Free Essays

I woke up feeling worried about the day before me, The other staff members had warned me that Thursday was always the worst day but refused to tell me why. Since Monday I had been working in the oncology outpatients department of the city hospital and so far had dealt with all the different emotions adequately. It was hard work not because of the jobs I had to do but because seeing people in and out everyday either recently being told they had cancer or having suffered for years they were still sad when they got bad news and happy when they got good so all the emotions were mixed up. We will write a custom essay sample on Original Writing – Prose: A day in the life of Lauryn-Emily Jones! or any similar topic only for you Order Now When I walked in on Thursday morning just before nine as I had for the past three days things looked normal. The walls which had been freshly painted were looking bright and fresh and all the staff still looked happy and were smiling so I hoped it was going to be a good day. I went behind reception and there was nothing to do so I stood and watched the people. Most were quite old but all had someone with them for support. I wished silently that everyone that day would get good news but I knew deep down that it was not going to happen and I felt a slight pain in my heart for all the people sitting there, Who were not lucky enough to be seen by some of the best doctors in the world. The disease that was slowly killing could be cured in some cases but it also had lots of side effects to go with it including hair loss, feeling sick at most times, plus the risk of killing too many good cells while killing the bad ones and being in great pain a lot of the time. As I stood thinking about all these things something suddenly popped into my head, What about all the people that did get better? These people included my own Nan who had suffered with throat cancer for a long time but was now cured? This is the proof that these treatments although terrible did work and that even if someone is diagnosed with cancer things can get better. I carried on looking around when a little girl who I later found out was only four came running in, She seemed to know her way around the department and as I looked I realized she did not have very much hair and then I saw her mother. She was a feeble looking woman in a wheel chair; Her husband was pushing her along as she was too weak to do it herself. I decided to talk to this wonderful family and found out the mother had been diagnosed with cancer not long after the doctors told her their daughter had a brain tumour and without a lot of operations and radiotherapy would not live very long and if she did she would be very weak for a lot of her life so may not enjoy it as much as she could. I watched the girl. She was very small and thin and she had tiny patches of hair on her head where the chemotherapy and radiotherapy had made it fall out. Her mother said she had a cancer which they could not specify because it was a mixture of two and she had to have more tests until they could find out. The little girl continued to run around and say hello everyone always keeping a massive smile on her face! This made me smile and I noticed that her father was a very strong man who obviously loved them very much. They soon had to go as the little girl had to have some more radiotherapy. As soon as they went I decided to see what I could find out about radiotherapy. I was told that if a child has to have radiotherapy they get fitted for a mask which fits right over their face, head and neck this is then sent to be made into plastic mask. When the mask is sent back and the child is ready for the radiotherapy, because they can not stay still enough the mask is put over their face with only two little holes for breathing as eye holes are too dangerous. The mask is bolted tightly to the table to stop the child moving because the equipment they use is just a small laser. Unlike chemotherapy it can only be used on the affected part of the body to kill the cells and not on other parts of the body as it kills too many cells and can be very harmful. I stood and thought about this for a minute and wondered whether I would be able to cope with this and how that lively, amazing little girl could cope with it and was told by the lady who does the radiotherapy that most of the time patients have to be put to sleep because they get too distressed by the mask. This thought frightened me and once again I thought how lucky I was to be a normal, healthy 15 year old girl. I found that being in radiotherapy was too distressing and decided to go back up to oncology but when I walked in straight away everything was different, the atmosphere had changed while I was away and I could feel it. I carried on in through the doors and as soon as I got round the corner I realized the whole of the oncology department was full of young men! To any other teenage girl this would be wonderful but to me it was scary. I turned to look and saw a young man no older than 22 sitting in a wheel chair and when it came to going to have his blood taken needed help to get up because he was so weak due to the all the treatment and the disease. I went back behind reception and carried on looking around when I was startled by a lad who slammed his arm down on the desk he looked at me and I noticed he was about the same age as me and he did not look very happy, he had another lad with him who I guessed was for moral support they both smiled at me but the smile was small and not very positive. I decided to go and sit with the lads to see if they would talk to me. I explained what I was doing and they were ok to talk to me. The lad who’s name was Rikki told me he was 15 and had been diagnosed with teratoma cancer when he was just 13 and had recently had an operation to try and get rid of it after chemotherapy failed. The other lad who was there was his best mate Ashley, he had been there through everything and they were very close. He said today he had come in to find out whether they had got rid of the cancer or not but was told the chances were small, he gave me a glance his eyes looked sad but I could tell there was a glimmer of hope in there but as he explained he didn’t want to get too excited for just in case the news was not good. He said he had to stay for a while because he also had to have blood tests and that he would come and see me before he went. I looked at the time and realized I had missed nearly half of my lunch! Although it was raining I wanted to go and sit outside in the fresh air so I could think and I had a chance to clear my head, I watched the people walk in and out and made the decision I would take each day as it comes because I never know what is around the corner, I also decided I would keep very busy after lunch so I could not think about it to much as deep down I was very distressed and was finding it very hard. When I had finished my lunch I went back in to find the waiting area not so packed but was still full of young men waiting to see the doctor. I went to find one of the nurses to talk to and came across Zoi, she had been in the oncology department for 2 years but was leaving soon as she wanted to finish training as a nurse because she never had the chance to do the things she had wanted. We talked about all the people and my feelings; she said the best way to deal with it is to just pretend that everyone was going to be cured and to think myself lucky it was not me. It sounded like a good idea and she also told me Audrey my supervisor wanted to see me at 3 o’clock. We went back to reception and I was asked to do some filing and pulling. This meant taking people’s notes and putting them back on the shelves and getting the lists for the next week and pulling all the files for that which is hard because sometimes they are not there so I have to go to other places around the hospital. Once again when I was reading through the lists thinking about whether I had seen any of the sets of notes I was startled by a hand slamming down on the desk but this time when I looked up I saw a smiling face! It was Rikki again but this time he had the kind of smile I knew no one was going to get rid of! I asked him what the doctor said and in the most wonderful happy voice I have ever heard he said â€Å"It’s gone! † I smiled at him and he carried on jumping around laughing and then proceeded to try and get me to go to the pub with him to celebrate. We chatted for a little while then I realized I had to get on with my jobs so he gave me one more very happy smile and walked off. Even with his back to me I knew he was going to be smiling for a very long time and it was going to take a lot to get rid of that smile! How to cite Original Writing – Prose: A day in the life of Lauryn-Emily Jones!, Essays

Financial Markets Of Abu Dhabi Islamic Bank †MyAssignmenthelp.com

Question: Discuss about the Financial Markets Of Abu Dhabi Islamic Bank. Answer: Introduction Abu Dhabi Islamic Bank established in 20 May 1997 is listed as a Public Joint Stock Company through Amiri Decree No. 9 of 1997. The formal initiation of the commercial operations of the bank started in 11 November 1998. These operations of the bank are discerned with paid-up capital of one billion dirhams and further segregated into one hundred million shares. The value of the individual shares of the company is observed with the shares quoted as per Abu Dhabi Securities Market (Adib.ae, 2018). Products and services offered by ADIB The corporate banking services of the company is seen to offer different Islamic Banking solutions such as Murabaha, Istisnaa, Ijara, the drawings covered by Islamic regulations and different types of other Sharia compliant products (Adib.ae, 2018). The corporate banking solutions also includes diversified private sector base of Trading, Transportation, real estate and target market of the bank. The wealth management experts of the bank include insightful decisions for the savings and decisions on select asset classes based on diverse investment themes such as oil, gold and group of equities. The bank offers capital protection plan and recommendations to the investors of different time horizons (Adib.ae, 2018). Differentiated banking mechanism than the conventional banks Type of Loan Islamic Process Conventional Bank Process CarFinance This process of ADIB is seen to follow Islamic financing structure which requires the intermediaries to buy the property with free and clear title as per Murabaha mechanism. In case an individual applies for an auto loan under this process, the loan will be non-interest bearing in nature which is considered to be free from any riba (or excess). The bank will buy the automobile from a client for a predetermined profit over the cost item and sells it back to the client based on instalments. Due to this the bank charges a set fees rather than riba or interest. The entire process is followed in two stages. In this case, the purchaser becomes the owner of the commodity and becomes liable for its full price (Cost plus profit). An eligible applicant must be 21 years and must have a minimum salary of AED 5000. The length of the confirmed service also needs to be at least 6 months. The important documents needed includes ?Original and copy of valid passport (with valid residence visa for expa triates), original and copy of valid Emirates ID and statement of account for the last 3 months. In addition to this, the bank offers a repayment option of up to 60 months, free ADIB VISA Cashback Card for the first year and 20% down payment option. In order to apply for the Murabaha, murabaha letter of credit is issued for a beneficiary on behalf of the applicant (Adib.ae, 2018). The bank agrees to the issuing the letter of credit and then agrees to the payment of the amount which follows terms described in the letter of credit. In case of the murabaha agreement ADIB is discerned to sell the contract (Chelhi et al., 2017). The important difference in the conventional loan process is seen in terms of the contract structure. Murabaha is recognized as a sale contract, the conventional loan process on the other hand is based on interest based lending agreement and transaction (Majd Bakir, 2014). The conventional process of banking is based on credit score, ratio of debt to income, size of the loan and the down payment. The subject matter in the conventional banking is considered with the amount of money while the Murabaha takes into account the commodity aspect. The collateral is put up before processing of the loan for conventional loan. The collateral in Murabaha may be posted after purchasing of the commodity. The cost transparency is not a concern in case of a conventional loan (DMV.ORG, 2018). In the conventional banking system, the bank is considered to sell the product for profit which discloses both the original cost and the profit to the buyer. The advancing loans and credit interest is charged on the interest as per the pure interest based transactions. Home Finance This process has discussed on benefit of home financing through Istisna. Based on this contract the client will ask the bank for construction of the unit. This will be able to meet the different types of the specifications given by the bank to meet the desire of the client. The client will then pay the price in instalments. In this case the borrower needs to provide a Valid salary certificate, income verification, Passport copy along with valid resident visa for expats, Khulaset Al Kaid and Bank Statement. The minimum salary requirement for the applicant is identified with AED 10,000 for UAE Nationals and AED 15,000 for Expats. The age criteria requirement is discerned to be 21 years. Some of the other document required is considered with ? Verified employment, Valid for UAE nationals residents and Joint applications accepted. The bank provides financing of up to AED 20 million for UAE Nationals AED 15 Million for expatriates? this process is based on Istisna. In addition to this it provides Financing of up to 80% of property value and partial settlement of 30% outstanding annually (Adib.ae, 2018). A conventional home loan applicant needs to present proof of income, identity and residence. The borrowing limit will be based on the individuals income and interest rate will be charged as per the total amount loan borrowed. The conventional borrowing will include tax concessions based on IT returns. The conventional loan will also include the option for instalment payment however, the borrower does not need to produce Istisna letter of credit is issued for a beneficiary on behalf of the applicant and Khulaset Al Kaid (Majd Bakir, 2014). Boat Finance The financing of boat is considered to be most ideal with the application of Ijara Finance. This lease contract allows leasing and using the asset for a specific period after it is fully owned. The company provides the financing option amount up to AED 1 million. The eligible applicant needs to have a minimum salary of AED 8000, 21 years old and 6 months of confirmed service (Adib.ae, 2018). The boat loan needs to be approved and signed with necessary documents for loan. In conventional banking the applicant is not guaranteed of the full ownership of the asset. The conventional banks do not allow cash out refinancing, except for non-conforming loan program. The applicant needs to fill Boat Loan Application Form. This includes details such as Current Income and Current Loan Payments. The boat information further includes Manufacturer, Model year and purchase price. Travel Finance The process of travel finance is considered to be applicable with Mudarabah mechanism. The commercial sectors will be able to provide the provide the finance for customers with required expertise. The restricted Mudarabah will ensure capital provider imposes certain conditions on the entrepreneurs for securing the capital. ADIB is able to provide Finance amount up to AED 250,000 and charging 1% Processing Fees (Min AED 500 and Max AED 2,500) (Adib.ae, 2018). The individuals have the option to exercise the best loan policy as per the type of travel loan applied for. The documents required includes Address proof, Identity proof and Passport size photograph (DMV.ORG, 2018). Personal Finance The process of ADIB is depicted with Qard al-hasan, which is an interest-free loan (fungible, marketable wealth). This is considered to be extended by the borrower based on benevolence. This is seen as a gratuitous loan extension to needy people for a specified period of time. The bank provides First instalment payment grace period up to 90 days, Two free instalments postponements every year and Takaful cover protection with competitive rates?. The individual must have a minimum salary of AED 8000 per month and UAE or expatriate with a minimum age of 21 years (Adib.ae, 2018). . The conventional banking process involves interest on the amount of loan lent by the borrower. The documents requirement includes bank statements, credit card information and loans records (Majd Bakir, 2014). Debt Settlement The "Musharkah Financing"ideal as the client will be able to request for finance by anticipating the banks shares anticipated with profits and losses of the project as per the client. The borrower needs to present liability certificate, bank account statement for the last 3 months and original valid emirates ID (Adib.ae, 2018). Conventional banks offer debt consolidation loans which requires the borrower to pay the applicable rate of interest based on amount of loan borrowed. The document requirement includes bank statements, credit card information and loans records (DMV.ORG, 2018). Conclusion The significant discussion of the study is able to identify the different types the products and services offered by ADIB offered in general. In addition to this, the learnings of the discourse have taken into consideration the import differences pertaining to the Islamic Banking Process and Conventional Bank Process. The important characteristics in the Islamic Banking Process has discussed on the Islamic financing structure followed by ADIB which requires the intermediaries to buy the property with free and clear title. The entire process is explained with the intention of borrowing a loan for automobile. The bank will buy the automobile from a client for a predetermined profit over the cost item and sells it back to the client based on instalments. Due to this the bank charges a set fees rather than riba or interest. The entire process is followed in two stages. In the first stage the bank purchases the commodity which the client is willing to sell. This stage is followed by clien t agreeing to the payment schedule for the repurchasing of the goods. References Abu Dhabi Islamic Bank Corporate Banking. (2018).Adib.ae. Retrieved 5 February 2018, from https://www.adib.ae/en/m/Pages/corporate_banking.aspx ADIB | ADIB Car Finance in UAE | Abu Dhabi Islamic Bank. (2018).Adib.ae. Retrieved 5 February 2018, from https://www.adib.ae/en/personal/financing/car-finance ADIB | Telephone Banking | ADIB Services | Personal Banking. (2018).Adib.ae. Retrieved 5 February 2018, from https://www.adib.ae/en/pages/personal_services_telephone_banking.aspx ADIB | Wealth Management | ADIB Structured Products. (2018).Adib.ae. Retrieved 5 February 2018, from https://www.adib.ae/en/Pages/personal_wealth_management_structured_product.aspx Chelhi, K., El Hachloufi, M., Aboulethar, M., Eddaoui, A. and Marzak, A., 2017. Estimation of Murabaha Margin.Journal of Applied Finance and Banking,7(5), p.49. DMV.ORG. (2018).Understanding Car Financing | DMV.ORG. [online] Available at: https://www.dmv.org/how-to-guides/auto-financing.php [Accessed 5 Feb. 2018]. Majd Bakir, m. (2014).Islamic Finance | What Is the Difference Between Murabaha and Conventional Loan?.Financialencyclopedia.net. Retrieved 5 February 2018, from https://www.financialencyclopedia.net/islamic-finance/questions/what-is-the-difference-between-murabaha-and-conventional-loan.html Understanding Car Financing | DMV.ORG. (2018).DMV.ORG. Retrieved 5 February 2018, from https://www.dmv.org/how-to-guides/auto-financing.php

Tortioses Of The World Essay Research Paper free essay sample

Tortioses Of The World Essay, Research Paper I choose this subject of tortoises because I have four of my ain. I would wish to larn more about them and possibly different types of things I could make to do their lives better. I have Desert Tortoises but I would besides wish to larn approximately many other types of tortoises and their forms and sizes. I have four large tortoises and four babe tortoises. Sammy, Scooter, Grumpy, Red, and the four babes which are about five months old. A adult male at the Water District gave us are first tortoise Sammy. Soon coming that twelvemonth we found Grumpy on the side of the main road with a large cleft in his dorsum. We took him place fed him so took him to the veterinarian early the following forenoon. They patched him up and we got to take him home but we had to give him a shooting every repast for about a month. We will write a custom essay sample on Tortioses Of The World Essay Research Paper or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page That # 8217 ; s where he got his name he didn T like the shootings much and would conceal off in a corner after them. Water scooter and Red are Desert Tortoises but a different sort. They are more egg-shaped shaped which gives us more of a assortment. They seem to wish fruit more. Sammy and Grumpy mated and Sammy laid her eggs in a deep tunnel between two stones. The eggs hatched someplace in between 70 to one hundred and 20 yearss. We found the first babe tortoise in the front pace and that # 8217 ; s when we knew we had to hold a complete hunt of our backyard and the forepart for the first twenty-four hours before we blocked up even the tiniest of holes in the Gatess with wood. We searched the paces for approximately two hebdomads merely in instance of any of them were concealing. We found five sum but one was already dead in the route. It was ran over by a auto yearss earlier before we found the first tortoise. The other four are healthy and turning bigger mundane. We feed them in the afternoon when I get place from school or when my ma gets off work. They non merely walk slow but they eat slow excessively. I think it s a great experience to have Desert Tortoises and if you can I would acquire one for yourself. Tortoises are in the household of the Testudinidae. Tortoises live on land and are largely vegetarian reptilians. A few signifiers of Omnivorous. In some topographic points tortoises represent awkwardness, finding, and long life. There are about 41 life species of tortoises. The bulk of them live in Africa and Madagascar. Some ways you can state the reptilian is a tortoise are by their high dome like shells, heavy elephant-like hind legs in which their toes are really short and do non hold any webbing, and hard scaled front legs. The colour of a tortoise is largely sunglassess of brown, olive, xanthous and black, brown and black, largely xanthous, scutes plain or normally patterned with bright beams or homocentric rings. They have leathery to brittle shells depending on the tortoise. Some of the types of tortoises could be the species of the Giant Tortoises. They are now rare or nonextant because adult male destroyed their home grounds or because hogs, caprine animals, or rats ate their babes. Some of the Giant Tortoise weights have been recorded as about one hundred 80 kgs. Another species is the Gopher Tortoise. They have brown shells and are accomplished diggers. This is because their front legs are much flatter and service as delving scoops. These tortoises live in sandy and wooded parts of the Southern United States. The Desert Tortoise lives in desert and open wooded countries around the South Western United States and Mexico. Berlandiers Tortoise is close comeuppances and wooded countries of Texas and parts of Northern Mexico. There is besides a recent find of a tortoise called the Bophenus Flauomorginatum. It has merely been located in a little country in North Central Mexico. A tortoises shell has 59 to 61 castanetss in it. It has two parts a shell and a plastron enchantress covers it s belly. So successful was the shell that it became a basis of tortoise architecture. Because of the shell they can non run, leap, or fly. Tortoise shells typically are high-vaulted shells as protection from their marauders oppressing jaws. One type of tortoise that does non hold a high shell but a highly planate one is the African Pancake. This allows that tortoise to squash into little clefts in between stones where they have their home ground. When a tortoise has become wedged in between something they become highly difficult to draw out. Another portion of a shell could be a hinged plastron. Madagascar and Egyptian Tortoises have developed one or two plastral flexible joints and the African Hinge-backed Tortoises have a flexible joint on the shell instead than on their plastron. Hinges give tortoises the Bachelor of Arts ility to tightly shut their shell with all their parts with in. This provides protection from loss of wet. Most tortoises attain a maximal size of at least five inches in shell length. The Dotted Cape Tortoise have a maximal shell length of less than four point seven inches. They are among the universes smallest tortoises. One of the universes largest tortoises is the Aldabra Giant Tortoise at 55 inches and five 100s and 59 lbs. Surely most tortoises, with their ability to travel held back by their large shells are slow. The Desert Tortoise moves at velocities of zero point 13 to zero point three stat mis per hr. The Galapagos Giant Tortoise was clocked at four stat mis per twenty-four hours. When tortoises mate it typically consists of some caput bobbing, the male butting and seize with teething the female to immobilise her, and eventually mounting her shell from the rear. The female tortoise so buries her eggs under land. My Desert Tortoise buried her eggs in her place which was a under land tunnel. Once the eggs are hatched tonss of reptilians leave their childs to fend for themselves but the Burmese Brown Tortoise which lays her eggs in a hill of foliage litre, will support her eggs from predation for several yearss after she has laid them. Tortoises eggs are elongated to spherical form, one to two point five inches is the greatest diameter. Egg size seems to increase with body size but there are some exclusions. The Galapagos Giant Tortoise lay the largest spherical eggs, with diameters of two to two point four inches. Incubation typically requires about two months. Incubation clip besides depend on the temperature. Temperature can find the velocity but it can besides find the sex of some species of tortoises. Tortoises normally feed on flora like roses, trefoil, Spinacia oleracea, and blowball or on more sedentary animate beings like worms, snails or insect larvae. Because of their velocity they can t catch fast traveling quarry. Besides fruit off a tree can pull big Numberss of tortoises. Some of these fruits could include apricots, alligator pear, bananas, berries, oranges, Prunus persicas and pears. Tortoises like to eat veggies, some of those could be chou, carrots, maize, peas, green beans, squash, and courgette. There are besides toxicant things you can feed your tortoise. Don t feed them workss like aloe, Hedera helix, Narcissus pseudonarcissus, foxglove, gardenia, holly, retem, mistle toe, marigold, mushrooms, rhododendron, and sweet pea. From my ain experience tortoises like to eat Brassica oleracea italica, apples, hibiscus flowers, grapes, tomatoes with out the seeds, H2O melon and their favourite boodle, which is a good beginning for H2O. Tortoises have one or two saw-toothed ridges on their jaws enchantress are used for cutting and oppressing roots and fruits. If a tortoise happened to eat a toxicant works above some of marks of unwellness would be fluid or bubbly nose, loss of appetency, and panting. If a tortoise has these symptoms you should reach a veterinary. Around the month of October tortoises will look sulky, remain outside less, and they will eat less. This is the clip that tortoises go into hibernation. Tortoises like to hole up in tunnels normally ten to eighteen pess deep. Tortoises will frequently eat a batch before hibernation and they will hive away the excess fat on their legs. Around March or April the tortoises will come out of hibernation. You should give them a warm bath. They will frequently imbibe a batch of H2O, this is normal. Within the following few hebdomads they will return to their normal activities of feeding, exerting, and sunbathing. It is said that tortoises don t defend their districts but a tortoise called the Galapagos Giant Tortoise establishes laterality based on the tallness to hex each animate being can lodge out its caput. Populations of many tortoises are worsening today. Over development and home ground devastation are the two chief causes. Tortoises, because of their handiness and big size have been utilised to a great extent as a protein resource on the island states. Peoples have besides been killing off tortoises by supplying luxury points such as tortoise shell jewellery and as pets. Tortoises slowness do them susceptible to human predetation at all times. I enjoyed composing about this subject. I learned tonss of interesting facts that might assist me raise my tortoises and cool facts like who was the biggest tortoise in the universe and the smallest tortoise in the universe. The Tortoise is a really great animal. It s been alive longer than I have. I hope they outlive my life-time and many after that.

ESL Teaching Material Development

ESL Teaching Material Development Introduction Professionals in the field of ESL including instructors and curriculum developers often face challenges in blending theory and practice.Advertising We will write a custom coursework sample on ESL Teaching Material Development specifically for you for only $16.05 $11/page Learn More In the article, Outtakes from Readers Choice: Issues in Materials Development by Sandra Silberstein, the author, addresses these challenges objectively by pointing out her own experiences during the development of the textbook, Readers Choice, which she co-authored. This article gives ESL professionals an idea on how they can gain experiences in the process of instruction or curriculum development. Luckily, the ESL professionals already have an exemplary pacesetter in Silberstein, who honestly and objectively approaches the commonly avoided challenge of self-evaluation. Overview of the Article The article by Silberstein opens by noting that ESL professionals are adept at churning out pedagogical materials, but even so, they still encounter difficulties in adhering to the all-important philosophy, which holds that the process is more important than the product and instructors propagate it. She notes that this philosophy is a challenge to seasoned teachers who find it easier to encourage their students to adopt it, but they are not in a position to operate within its auspices. This inability manifests in the fact that although teachers encourage their students to share with others any failed attempts at adhering to the philosophy, they for their part fail to do so.Advertising Looking for coursework on education? Let's see if we can help you! Get your first paper with 15% OFF Learn More Silberstein observes that when content developers remain silent on the difficulties in the course of their duties, teachers and authors miss so much, which could be brought to light through open sharing. The author thus encourages culprits of this undesirable conduct to take a different approach by recounting her experiences during the development of the Readers Choice. In developing content for the Readers Choice, Silberstein and her co-author were fully aware that there was a need to operate within established theoretical and pedagogical guidelines to capture the spirit of common dilemmas that had been raised by Karl Krahnke at the time. In an attempt in so doing, Silberstein notes that their focus was more emphatic on the criteria of passing judgment on what addressed their concerns and what did not. Their concern in that respect was to develop content, which granted both teachers and students a pleasurable classroom experience while at the same time fitting within the criteria for pedagogically sound reading materials. Silberstein notes that the criteria that the materials were expected to meet was developed from existing reading theory. Through reviewing several theories, Silberstein notes that they coined three gu idelines for developing reading tasks. Thereafter, any task they developed for the book was supposed to follow the set guidelines.Advertising We will write a custom coursework sample on ESL Teaching Material Development specifically for you for only $16.05 $11/page Learn More The first criterion required that a reading task be in touch in with the real world and consider the student’s ability. The second criterion required passages that preceded tasks to define the nature of the tasks to be undertaken and the third criterion required books and teachers to elaborate the concepts underlying the skill prior to testing of any skill. Silberstein proceeds to outline the outtakes from the Readers Choice and articulates why each of them did not make it into the final text. In addition, she recounts the process of developing the Readers Choice highlighting the key experiences they underwent coupled with how these experiences changed their perspectives through out the process. The process of content development is thus daunting and it turns out to be contradictory at some points. Review of the Article In this article, Silberstein significantly succeeds at what many professionals have hitherto failed to achieve. Self-criticism is often a tough task for many especially in undertakings that are daunting in nature. She rightly points this aspect out when she notes that instructors find it easier to espouse beliefs in the process rather than the product of learning or teaching and so on.Advertising Looking for coursework on education? Let's see if we can help you! Get your first paper with 15% OFF Learn More She gives an example of ESL professionals who fail in their initial attempts to adhere to this process while trying to develop content, but they prefer to keep quiet concerning their failures. By using this example, Silberstein directly points out one of the reasons why some content becomes unrealistic and impractical in the classroom. This reason also explains why some instructors fail to meet the students at their point of need despite having the best instructional materials at their disposal. She thus espouses being honest with the self when it comes to self-criticism and she proceeds to use her own piece of work as an example. Silberstein recounts the process of developing the book, the Readers Choice and points out key ideas and guidelines, which guided their undertaking. Through this aspect, she articulates the principles clearly, which guided their every activity in the process coupled with how they came up with those principles. In the process, she acknowledges that even tho ugh she is an expert in content development, some ideas, which they use, are inspired by other authors’ pieces of work. She acknowledges that Karl Krahnke’s piece of work, which appeared in the TESOL Newsletter: How do we know when a classroom activity work prior to the commencement of their book, as a key inspiration in developing the book. Silberstein and her co-author did not exclusively focus on Krahnke’s ideas, but they added more ideas obtained from reviewing the literature on reading theory. The most illustrious of the theorists are identified as Kenneth Goodman and Frank Smith. Therefore, in the process of reading, they either espouse or refute their presuppositions. This aspect indicates a well-researched and integrated piece of work, which not only identifies the author of a certain idea but also proceeds to give an overview of the general idea of that author for the benefit of those that have not come across it yet. Superficially, the article appears confusing and because it includes the outtakes from the Reader’s Choice, the article authors position on the outtakes, the content that made it into the final text, and ideas from other authors. However, a careful consideration of the article reveals a carefully developed piece of work, which clearly addresses its objectives. The author is very explicit with every aspect of the book and its development that she chose to include in the article. For instance, in the final section of the article, she recounts the experiences that defined the successful parts of the article and points out the weaknesses, which according to her exist even in some of the materials that it into the book. This approach blends positively with the approach she took while elaborating the outtakes and the reasons why they were struck out of the book. She remembers to add her perspective on some of the ideas at the time of writing the article and she shows how it differs with the perspective she held on t he materials at the time of writing the book. This gives an idea of someone who isolates herself from the picture and performs an objective analysis of her thoughts, ideas, and every decision made as though it were from someone else. This attitude agrees with the position she takes at a very early stage in the article that ESL professionals need to evaluate themselves honestly in the process of content development and instruction. In addition, they need to share their experiences openly to help teachers and authors to get insight from such experiences. The article is well articulated and researched in terms of incorporating ideas from other sources. However, one issue fails to standout like other aspects of the article, viz. without a careful consideration of the article; it becomes a bit difficult to pinpoint its principal idea. This aspect would be especially difficult if the article were to be presented to a reader without its title, which implies that the article’s thesis statement does not clearly manifest in the text. Conclusion Silberstein’s article clearly articulates the process that led to the development of the Reader’s Choice. It rightly points out the fruitful and the non-fruitful undertakings that were part of the development of the book. Since the book was being developed for ESL use, she relates her experience in developing the book to the experiences of other ESL professionals especially instructors where she points out that their failure to share their experiences, as she does in this article, frustrates development in this area. Clearly displaying the outtakes and elaborating the reasons why they were stuck out of the text explicitly shows her commitment to this cause. The article is a well-researched and articulated piece of work that integrates ideas from different sources and briefly describes such sources to familiarize the reader with their content. The article may appear confusing, but it surely accomplishes its ob jectives.

Financial Accounting coursework Essay Example | Topics and Well Written Essays - 1250 words - 1

Financial Accounting coursework - Essay Example References†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦..7 1. Executive Summary This report includes some of the basic principles and conventions that must be adhered to while preparing the financial statements. It includes analysis and evaluation of some of the accounting practices and conventions. This report also analyses and evaluates some of the accounting practices in Marks & Spencer Plc. 2.1 Accrual Accounting Accrual concept includes recognition of revenue when earned while expenses are only acknowledged when they are suffered or incurred. This accounting concept needs creation of an extra account that records the variance obtained from the difference between revenue and expenses recognized as well as reception or payments of cash. Accounts receivable is normally used in recording accrued incomes while deferred re venue account is used to record revenue not earned (Banerjee 2005, p. 4-5). On the other hand, accrued expense account is used in recording expenses before payment of cash while deferred expense account is used in recording expenses after paying cash. This type of accounting concept is very expensive and that it is possible for the account to owe taxes on their income even before the cash is received. In marks & Spencer income is recognized when the products are sent to the customers and important risks and title incentives are shifted to the client. The deferred tax is accounted for after calculating it based on anticipated way of realization. The company also has trade receivables account and trade payables (Banerjee 2005, p. 4-5). 2.2 Going Concern Going concern is regarded as one of the most important assumptions in accounting used in preparation of final accounts with an assumption that the business will continue to operate in the next foreseeable future. The company is expecte d to successfully settle their liabilities after realizing their assets. It is always upon the management of the company to check on the ability of the organization to continue doing business in the coming future. The accounts of Marks & Spencer are prepared in the basis of going concern and the directors are convinced that the company will be able to operate in the next future. The directors are very much concerned that there are no uncertainties that may interfere with the company’s operations in their future (Gibson 2012, p.11-12). The company managed to make a profit of $458 as at March 2013 and positive cash and cash equivalents. The company’s current assets also exceed the current liabilities thus showing an element of going concern. The company is also in a position of paying out her dividends and financing The company will not likely to fail in its operations in the near future considering her statement of financial position and the consolidated income statemen t (Marks & Spencer 2013, p. 1-3). There are a number of indications of a going concern business which are not reflected in the financial statement of Marks & Spencer. Some of the dangerous signs indicating challenges of going concern are poor liquidity positions, high financial risk and delay in payments as well as serious litigations affecting the company. Marks & Spencer do not also have any indication of defaulting by one of their chief customers that may eventually affect her operations (Gibson

U.S. Organizations Operating in the Global Environment Research Paper

U.S. Organizations Operating in the Global Environment - Research Paper Example According to the research findings, it can, therefore, be said that there are many organizations in the US operating in the global environment. They can be political organizations, business organizations, and another relevant form of organizations. The list goes on. However, what they all have in common is that they all operate in the global environment where there is a need for them to have a constant attachment to the environment. This concept brings forward to the thought that organizations eventually relate strategically to their environment. Furthermore, this also leads to the idea that organizations may be capable of shaping their environment. On the contrary, the environments may also shape organizations. Therefore, there is a prevailing thought that organizations also choose which environments they enter and exit. In other words, organizations have the choice which way or part they should place themselves. In order to understand these relevant perspectives, some appropriate o rganizational theories are included in the work at hand to justify if organizations have all the flexibility to affect the environment or be affected by their environments on the contrary. The depth of this point of view can be significantly illustrated by taking the case of US Organizations operating in the global environment. There are many organizations coming from the US that are freely operating across the world. This must be a significant observation considering that the US is considered as one of the world’s most powerful nations in terms of its political and economic influence. At some point, the country also has become the center point of socio-cultural change, as it tries to successfully bring the whole world into the Western culture. However, whatever may be the reason why the US together with many of its organizations prevails and manages to stand out in the world, one essential argument in line with this will always lead to the idea of how it was able to bring in fluence to its environment.

Catholic Views on Social Issues

Catholic Views on Social Issues â€Å"Religion is the set beliefs, feelings, dogmas and practices that define the relations between human being and sacred or divinity† (Green, 1962, pg. 1). Religion is a way for people to have a strong confidence in something greater than themselves. Religion also brings unity to communities by creating stability and order. On the other hand, some critics may argue that religion creates more conflict than resolution, due to corruption and contradiction. Religion can be defined in three characteristics: Believes and religious practices, the religious feeling (such as faith), and unity in a community of those who share the same faith (such as the Church)† (Green, 1962, pg. 1). Thus, this essay will discuss the changing nature and views of Catholicism on social justice issues such as reproduction, crime and punishment, and same-sex marriage. This essay will argue that Catholicism has now taken a more flexible approach to social justice issues in comparison to how Catholic ism was practiced earlier. Many social theorists of the past have seen the diminishment of religion as imminent and desirable (Mainwaring, 1986). For instance, in 1830, Ludwig Feuerbach dismissed religion as a projection, and deemed that it would not last long. At the same time, Marx agreed with this assessment and believed that religion was an ideological mystification that created a divide between the bourgeoisie and the rest of the classes (Mainwaring, 1986). In a study conducted by Cook (1993) and associates, a state exit poll was conducted in 1990 to determine whether Roman Catholicism affects abortion attitudes. The individual-level effects in which the Church socializes individual members was compared alongside contextual effects, in which the Church affects abortion attitudes by altering the terms of the debate outside the Church’s membership (Cook et al., 1993, p. 223). Both effects were found to be statistically significant (the effects were reliable), although the contextual effects of Catholicism were negative (Cook et al., 1993, p. 223). This part of the study suggested that the Catholic Church is affective in teaching anti-abortion attitudes to its members, but that a strong Catholic presence in a state influences citizens in a counter mobilization way, on the part of non-Catholics (Cook et al., 1993, p. 223). Oliver (2008) makes an excellent point in understanding the relationship between the Catholic Church and social justice. For instance, Oliver (2008) states that in order to have a deeper understanding of the Catholic perspective of crime and criminal justice, one must have an understanding of the central concept that lies at the heart of the criminal justice system (p. 3). For instance, there is a human desire for justice. In Catholicism, there are those who are religious that seek justice in the world so that God’s will is done on earth. There are also a set group of people who profess no religion that seek justice through the court system based on the rule of law.[1] Oliver (2008, p. 223) also points out that in the mid-1800’s, the Catholic Church had prodded the medical community to prevent midwives and rogue doctors from performing abortions. Further, the Catholic Church drew upon the fact that abortion was immoral, and thus both the Catholic Church and many physicians argued that the health of the woman was put at risk (Oliver, 2008, p. 223). However, as awareness regarding abortions grew and as time went on, there were changing attitudes towards abortion. For instance, doctors claimed that they should be the only ones to carry out abortions (although they were the same doctors that felt it was morally wrong), and the American Medical Association began to hold the reigns of the issues of abortion more so than the Catholic Church. Thus, since the topic of abortion is a social justice issue in which Catholic views on the issues have been changing as opposed to stagnant, this supports the thesis that Catholic standpoints are becoming less stringent than they were previously. The other issue related to the social justice topic of abortion is the topic of justice in and of itself. Justice in the Catholic faith brings in another perspective. From the Catholic standpoint, justice is based on the word of God, the teaching of Jesus Christ, and the Traditions of the Roman Catholic Church (Oliver, 2008, p. 4). Moreover, in American penal organizations, Post-revolutionary Catholicism favoured a democratic model of authority, local autonomy, and the separation of the Church and the state (Stotnicki, 2013, p. 83). In other words, a congregational pattern of church polity was regarded as the most acceptable model of the prison system (Stotnick, 2013, p. 83). Thus, this points to a symbiotic relationship between Catholicism and the criminal justice system in which Catholicism worked hand-in-hand with social justice, and in some cases, removing signs of religion from within the system to maintain the justice system’s autonomy. However, in 1973 an event in New Y ork changed the landscape in which Catholic teachings would be allowed in the penal system. For instance, in 1973, the United States Catholic Conference (USCC) published a Reform paper on Correctional Institutions in the 70s and claimed that certain practices they were proponents of, decreased recidivism rates, while results showed the opposite-that recidivism rates increased with such practices (Stotnicki, 2013, p. 84). The other issues with the paper were that the paper called for rehabilitation without defining what it meant by the term and what goals would be accomplished (Ibid., p. 84). Lastly, the paper called for alternatives to prison, without giving examples of such alternatives (Ibid., p. 84). Furthermore, Stotnicki (2013) argues that the concept of deterrence does not fit in with the Catholic religion. Thus, this could point to delineation where the Catholic tradition had less of an impact on the penal system than it did in previous decades. A principle component of Catholicism and the criminal justice system is that incapacitation should be used to reshape the beneficent values of a market economy on a case-by-case basis (Stotnicki, 2013). What is interesting about trends in social justice and Catholicism is that in a Gallup poll conducted in 2004, 71% of Protestants and 66% of Catholics support the use of capital punishment (Stotnicki, 2012). Although this poll was taken over 10 years ago, what is interesting is that capital punishment is not in line with the New Testament although arguably, it is an Old Testament principle; this is fodder against the argument that Catholicism has not taken a flexible approach in comparison to earlier years if the Gallup poll is anything to go by. On the other hand, opinions (particularly with people that identify as Catholic) might be changing in as fast as 10 years. The last issue that warrants mention on the topic of Catholicism and social justice is the topic of same-sex marriages. The topic of same-sex marriage is a social justice issue because it is an issue which affects a large segment of the population and it is a contentious issue which has sparked debate over the last few decades in Western society. For instance, Dempsey (2008) demonstrates that the Catholic Church holds the view that circumstances may increase the culpability of a person to engage in homosexual acts (p. 77). Furthermore, Dempsey (2008) points out that Catholics believe that respect for the basic human dignity of the homosexual entails respect for his ability to cooperate freely with God’s grace in turning from evil ways and embracing a chaste life in Christian love (Ibid., p. 77). The Catholic Church affirms the natural law and Christian vision of marriage as the loving and life-giving union of a man and a woman (Dempsey, 2008, p.77). Furthermore, the Catholic C ongregation beliefs that â€Å"a person engaging in homosexual behaviour therefore acts immorally.† (Ibid., p. 77). The Catholic teaching then tries to take a scientific spin on the union of marriage by arguing that homosexual activity is not a complimentary union, able to transmit life, and so it halts the call to life and thus of self-giving, in which the Gospel claims is the essence of Christian living. Thus, the Catholic Church tries to use morality and science to argue against the notion of same-sex marriages. On one hand, the Catholic Church respects homosexuals as people, yet on the other hand, part of the statement calls such acts â€Å"evil† and invites the â€Å"evil-doer† to embrace a chaste life in Christian love. Thus, in this regard, the Catholic Church still has a long ways to go before it deals wholly with the issues of same-sex marriage and homosexuality. Having said that, in an interview with Pope Francis in the summer of 2013, the Pope stated that while homosexual acts were sinful, homosexual orientation was not.[2] This shift in attitude although still stringent but making some leeway towards homosexuality, demonstrates that there has been a change to views on homosexuality as the world becomes more global and accepting of same-sex marriages. The other reason why the topic of same-sex marriage is a social justice issue is because it has been an issue that has seen the inside of courtrooms throughout historical debate. For instance, Olson and associates (2006) argue that public opinion has had a major impact on same-sex marriage discourse. Furthermore, Canadian cases like M. v. H. [1999] has provided awareness to the cause of same sex-marriages. In the case of M.v.H, the Supreme Court of Canada ordered Ontario to amend its definition of family to include cohabitation of partners (whether male or female). Thus, in this case, lesbian and gay couples were given the same rights and responsibilities that married, opposite-sex couples traditionally have. Further to Olson and associates’ (2006, p. 342) study, while Americans have become less willing to restrict the civil rights of gays and lesbians, religion has been seen as a sometimes ambiguous influence on the opinions on homosexuality. Once again, these findings indicate that there have been small steps in Catholic opinions on homosexuality and same sex marriage. Conclusion Skotnicki (2013) argues that the Catholic Church plays a limited role in determining American correctional policy due to a failure at variance with significant developments in its own history (p.1). Skotnicki’s (2013) statement points to either a reform in Catholic policies in order to co-exist in the changing times, or more flexibility in its outlook on criminal justice practices. In critiquing the effect that Catholicism has had in the criminal justice system, Stotnicki (2013) further argues that while the prison system needs a clear system of why it has the right to punish- not in terms of vengeance of self-interest, but in terms of human life and human community, the Catholic Church has failed to provide significant help in addressing the crisis of punishment and reoffending. What is clear is that the Catholic Church’s landscape is changing. For instance, Curran (2010) states that the understanding of the Church (ecclesiology) is changing, the sociological relations hip of the Catholic Church to U.S. Society is changing, and the circumstances affecting social justice, along with Catholicism, are changing in the United States. With these changes, the social mission of the Church is also changing, thus allowing for more flexible practices in social justice and social tolerance. References Cook, A.E., Jelen, G.T., Wilcox, C. (1993). Catholicism and Abortion: Attitudes in the American  States: A Contextual Analysis. Journal for the Scientific Study of Religion 32(3), 223-230. Curran, E. C. (2010). The Social Mission of the U.S. Catholic Church: A Theological  Perspective. (Washington: Georgetown University Press). Dempsey, J, R. (2008). The Catholic Church’s teaching about Same-Sex Marriage. The Linacre  Quarterly, Volume 75. Graham, G. (1962). The Power and the Glory. (UK: Penguin Books).   M.v.H. [1999] 2. S.C.R. 3. Mainwaring, S. (1986). The Catholic Church and Politics in Brazil, 1910-1985. (CA: Stanford  University Press). Oliver, M. W. (2008 ). Catholic Perspectives on Crime and Criminal Justice. (MD: Lexington  Books). Olson, L, R., Cadge, W., Harrison, T. J. (2006). Religion and Public Opinion about same-sex  Marriage. Social Science Quarterly 87(2). Pope Francis: Who am I to judge gay people? BBC News. 29 July 2013. Retrieved 26 March  2015 from http://www.bbc.com/news/world-europe-23489702 Skotnicki, A. (2012). The Last Judgment: Christian Ethics in a Legal Culture. (Vermont:  Ashgate Publishing Company). Skotnicki, A. (2013). The U.S. Catholic Church and Criminal Justice. New Theology Review. [1] It is arguable that the doctrine of the Rule of Law has religious underpinnings. [2] Statement taken from an interview conducted with Pope Francis. Interview Retrieved from BBC News on March 26th 2015 from http://www.bbc.com/news/world-europe-23489702

The Way Up to Heaven

apprehension : anixiety bland : showing no strong emotions foible : little weekness or strange habit bustling : very busy butler : main,male servant yearing : strong desire diminutive : small and thin dapper : man dressed nicely hazy : not clear flabby : unattrective,soft,loose cable : telegraf shrill : very high and unpleasant sound tinkling : a light ringing sound pantry: a small room in a house where foods is kept appressive : a situation that makes you unhappy,worried glimmer: a small sign of sth trifle : modas? gecmis onemsiz CHARACTERS Mrs. Foster: she is the main character. ut she has no giving name or age. She is just her husband’s wife. She is modest,faithful ,neurotic,disiplined,suffuring. She changes,when she arrives Paris,she feels wonderful,strong,purposeful,cool and calm. And when she arrives back to New York she feels satisfied. Mr. Foster: he is 70 years old,rich,insensitive,diminutive but quite dapper,and he shows no love for his family and he has a few friend s. He is a static,flat character. CLIMAX The main turning point is he moment when Mrs. Foster freezes in front door to listen to a sound which is coming from the house. CONFLICTS External conflict: between the mrs.Foster and mr foster. Although she knows that her husban torments her on purpose,she does say anything about it. Internal conflict: between the mrs. foster and herself. Although she wants tol ive with her grandchildren she also thinks that it is wrong because her husband is still alive and she is a loyal wife. *** Mrs. Foster has an almost pathological fear of being late. And her husband knows she will be hysterical if he is late. So he always late on purpose. And he watch her to see if the tiny muscle by her eye starts twitching. She is begining to realize that her husbant is tormenting her.

Family structures and roles Essay

We use the word role today meaning a function or part played in life. As a member of a family or a work situation the roles we have in life depend on the situation we are in at the time. I myself am a wife, a mother, a daughter, a care assistant, a student and a friend. As you can see I have many different roles in my everyday living. The main role in my life will be the role within my family unit. This project will look at the roles of members in a family unit and how this has changed over the last 25-50 years. Nuclear family The roles within the nuclear family used to be the father being the main provider and working long hours to support his family and the mother looked after the children and the home. Because men were the ones with the money they took charge inside the family. This was considered the norm but over time changes came about when the wife began to reject the housewife role and demanded a greater say in decision making in the home. They wanted to be considered equal to their husbands. Women began insisting men carried out tasks around the home. This lead to husbands spending leisure time with family instead of spending time with his male companions down the pub after work, it resulted in close emotional bonds with his wife and children, he began to help with household tasks and childcare. With the introduction of the contraceptive pill in the 1960’s women were able to limit the number of children they had and gave them the freedom to obtain paid employment. A marriage now became a partnership with the husband and wife now sharing the routine of everyday life. Attitudes changed in society, it was now considered normal for husbands and wives to both work and share household tasks and childcare. In today’s society it is not unusual for the wife to be the main provider and the husband stay at home to keep house and look after the children. The term househusband is now well known. There are three different roles: Joint roles; where couples work together in the house or garden. Complementary roles: where couples helped one another such as one may paint the other may paper. Segregated roles; where couples have separate jobs to do, e.g. the wife does the ironing the husband mows the lawn. Extended family The role of members in the extended family did not vary greatly from those of the nuclear family. The daughter settled in close proximity to her mother and they saw each other on a daily basis. This gave the grandmother the opportunity of a supporting role in the upbringing and education of the child(ren). They were also if able to give financial support. The extended family members usually took on the role of caring for an elderly parent. A person is now expected to live well into their 70th or 80th year, this means there has been a huge growth in the number of three-generation families. Nursing homes and residential homes are now on the increase in today’s society and the role of looking after a parent in their old age within the family unit has now decreased. The roles within the extended family have varied greatly due to women and men now having equal opportunities and both going out to work. The care of the child while the parents work is more often than not taken on by a family member e.g. grandparent aunt or uncle. Whilst the local extended family takes on the role of childcare it is both the parents responsibility to take on the role of providing for their family. Reconstituted family Reconstituted families became more popular after the divorce reform act of 1971 was introduced making it easier to obtain divorce. The roles within the reconstituted families can be very difficult due to stepparents taking on their new role and children rebelling against the discipline given out by a stepparent. In reconstituted families both the man and the woman take on the role of the living expenses and food costs of the home. Joint financing of the stepchildren’s expenses is less common, it is much more common for the mother to receive financial help from the stepfather in order for her children’s expenses. Both parents along with household tasks usually take on the role of childcare and educator. Members of the extended reconstituted family also take on the childcare role when both parents work. One parent family The role of the single parent can be a difficult one, as they have to take on the role of mother, father, carer, provider and educator. This itself can become a huge task especially if there is no immediate family around to offer support Single parents have become more popular in today’s society for a variety of reasons. There are more women than men who take on the role of the single parent but it is probably a harder role for a man to cope with. A mans role in life is seen to be masculine; they define themselves by their work role. Single fatherhood requires men to look at their priorities around work and family and so their role in life now becomes the sole provider for his child(ren). Partnership arrangements There are many types of families in today’s society including gay and lesbian couples. The public’s opinion of these couples has changed enormously over the last few years. The role of carer and educator within this type of family usually falls on both individuals. Benefit such as income support or working families tax credit is paid to the natural parent of the child and does not include the other persons income, as the law does not recognise them as a couple, therefore the main provider will probably be the natural parent but not in all cases. Cultural influences There are many people from many cultures settled in Britain today. Being of a different cultural background has resulted in prejudice. Prejudice still exists today, and although there is discrimination out there, it is against the law and much harder to prove. Because of so many cultures in our lives we have seen many changes in society, namely the opening of shops, supermarkets, take-away food shops and restaurants. Many years ago it was unusual for families to eat outside their home or the home of a family member, today take-away food and eating out is a part of every day life. We now have new tastes ranging from Chinese to Indian and Italian to Mexican. Why roles have changed Many changes have taken place over the years especially the roles within family life. The introduction of the pill made it easier for women to take control of their bodies resulting in fewer children being born. The influences that have changed the way we think the way we see the family and the roles we play are due to the media, television newspapers and magazines. Legislation has given us equal pay, equal opportunities for all and equal rights regardless of our class gender or culture. Women can now own or rent their own home and are considered equal owners in the case of divorce. Women can now take out loans or credit agreements without their husband or fathers consent. Health care has improved considerably over the years and screenings for women’s problems has been forced into action. Overall life has become better for women today. They now have the same rights as men and are considered an important part of our society today.