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.