Friday, August 21, 2020

The Future of Natural Medicine Essay Example | Topics and Well Written Essays - 1250 words - 1

The Future of Natural Medicine - Essay Example This prompted its close to elimination in United States and U.K., while in Germany, China and India it got sidelined. Today there is a renaissance going on in clinical herbalism all through the world. W.H.O. assessed that over 80% of the total populace relies essentially upon home grown medication for their social insurance needs. In U.K. an ongoing review uncovered 1/3 of the individuals do utilize herbs routinely. [Herb Harvest] In U.S.A. there is a 380% expansion in natural medication somewhere in the range of 1991 and 1997. [Eisenberg et al 1998] The resurgence of the enthusiasm for home grown cures is to a great extent buyer driven. [70% took natural medication by their own data Eliason et al 1977] This stops by the expanding interest appeared by people in general and trust in self prescription [Blenkenstop and Bradley 1999] Increased media inclusion of the useful impacts of home grown medication additionally assumed a job in this. Deals of Herbal Medicine expanded in U.K.from 2 7.8 million pounds in 1991 to 38 million pounds in 1996.This is an underestimation since Mintel avoided Garlic and Ginkop from clinical classification. Genuine figures will demonstrate this to be multiple times more. European Union enlisted 7000 million dollars retail deals of home grown medication in 1996. In Germany deals of home grown medication in 1997 was 1.8 billion dollars (I.M.S. 1998) which comes to 1/3 of the O.T.C. [over the counter] deals. In U.S.A. 1994 deal was 1.6 billion dollars while 1998 deals rose to 4 billion dollars.[Brevoort 1998] In France it was 1.1 billion dollars in 1997, 28% of the O.T.C. showcase [I.M.S. â€Institute of Medical Statistics-1998] Reasons for this expanded use- A Herb is (additionally called plant) a plant or plant part utilized for its aroma, enhance, and/or remedial properties. They can be utilized separately or in mix. NCCAM [National Center for Complementary and Alternative Medicine] delivered a Fact Sheet for making

Tuesday, July 14, 2020

6 Books That Helped Me Keep the (Christian) Faith

6 Books That Helped Me Keep the (Christian) Faith This is a guest post from Teresa Preston.  Since 2008, Teresa has been blogging about all the books she reads at Shelf Love. She supports her book habit by working as a magazine editor at a professional association in the Washington, DC, area. When shes not reading or editing, shes likely to be attending theatre, practicing yoga, or doting on her toothless orange cat, Anya. Follow her on Twitter @teresareads. My Christian faith is extremely important to me. It’s part of who I am, and I’m not sure who I’d be if I didn’t have it. But when preachers and politicians use my faith to tear down people they don’t approve of or when times are just plain dark, it’s hard to hold on to these beliefs. But there are books that cut through those voices, offering a different and better path. There are writers who get beyond stereotypes and soundbites and dig in to what the Christian faith is really about. Here are a few books that have shown me another way to be a Christian: 1. Traveling Mercies: Some Thoughts on Faith by Anne Lamott. When I was a 20-something with moderate-to-liberal political views living in a conservative community where Jerry Falwell was revered, Lamott’s essays were a light in the dark. She showed that it’s possible to be an irreverent, liberal Jesus freak. I don’t know where I’d be without her. 2. Searching for Sunday: Loving, Leaving, and Finding the Church by Rachel Held Evans. Evans grew up a good evangelical, but the questions about what she was taught never went away. In this memoir, she shares her and others’ stories about learning to love the church despite how it goes wrong. 3. Life of the Beloved by Henri J. M. Nouwen. After years of living with the type of Christianity that is all about the ways we fall short, I found this book’s focus on how we are loved just as we are to be an absolute balm to my soul. 4. Jesus and the Disinherited by Howard Thurman. Dr. Martin Luther King Jr. used to carry this book on his travels. It’s a powerful discussion of what the gospel has to say to society’s outsiders and how to promote peace and justice. 5. My Bright Abyss: Meditations of a Modern Believer by Christian Winan. Poet Christian Winan chronicles his messy journey toward faith after a cancer diagnosis. It’s not inspirational in any traditional way, but it’s a beautiful and honest examination of what faith can look like even when it isn’t exactly working. I read this during an especially difficult year and found its honesty bracing and strengthening. 6. Take This Bread by Sara Miles. Atheist and lesbian Sara Miles wandered on impulse into a church one Sunday and was transformed by the bread and wine she found there. Before long, she was in charge of the church’s food pantry, and through that food pantry has turned her church into a radically welcoming place. I focused on nonfiction here, but I could name just as many novels that have had an equally strong effect (Jane Eyre by Charlotte Brontë and Silence by Shusaku Endo spring immediately to mind). If you’re a Christian, what books have helped you hold on to your beliefs? And if you’re not, what books have helped you better understand the faith?

Thursday, May 21, 2020

Comparing Clothing in Knights Tale and the Millers Tale...

One of the striking differences between the Knyghts Tale and the Millers Tale (which is supposed to quit(e) the Knyghts Tale) is that of clothing (the former tale) and lack of clothing (in the latter). Upon an inspection of the General Prologues description of the Knyght, I found that clothing is a very signifcant part of the Knyghts Tale. Chaucers decription of him may forshadow (or, since Chaucer wrote the tales after they were told, color his perceptions of the Knyght) the importance of clothing in the Knyghts Tale. Special attention is paid to the Knyghts coat of mail. He was a verray, parfit gentil knyght. But for to tellen you of his array, His hors were goode, but he was nat gay. Of fustian he wered a gypon Al†¦show more content†¦But this ornament may in fact hinder the tale. When Chaucer began the Tales with the Knyghts Tale, he was probably quite aware that he was going to borrow heavily from other tales. ...Scholarship has uncovered and stressed his strong relationship to conventional rhetoric... (Finlayson 133). Chaucer probably felt as if he was about to be bound by the fact that he was borrowing from another tale (from Boccaccios Il Teseida delle nozze dEmilia), and that he would have to change it to make it his own. The characters that he uses are bound by literary stereotypes and narrative function which they fulfil rather than transcend or reject. (Finlayson 147). Chaucer transcends the Romantic stereotype, but the characters dont. The characters are bound to convention and the ornament of Romance, much like they are bound by thier clothes that define them, keep them from true human (flesh) contact, and that ultimately destroys them. The first significant mention of clothing is when, after Theseus has conquered Thebes, the soldiers go through the pile of corpses. To ransake in the tass of bodyes dede, hem for to strepe of harneys and of wede, The pilours diden bisynesse and cure After the bataille and disconfiture. And so bifel that in the tasse they founde, Thurgh-girt with many a grevous blody wounde, Two yonge knyghts liggying by and by, Bothe in oon armes, wroght ful richely, Of whiche two Arcite highte that oon, And that oother

Wednesday, May 6, 2020

Iago of William Shakespeares Othello Essay - 885 Words

Iago of William Shakespeares Othello Iago has a great understanding of people and how they will react to different situations and this skill allows him to control the action so neatly that it as if is he himself is the playwright. He has no regard for the thoughts of others and skilfully manipulates those around him to trick them to play a part in a strategy he has so meticulously planned, for example, the brawl scene. But by no means does he carry out his plans regardless of other events; if an opportunity to achieve any of his desires arises then he immediately takes hold of it and uses it to his advantage. Iago is an excellent representation of the Vice character of drama. Shakespeare is†¦show more content†¦These motives lead him to hate the other characters so much as to gain a sadistic pleasure at their misfortune. Everybody is slightly egotist, it is (a bad?) part of human nature, each of us is our favourite subject, however, Iagos sense of egotism is grossly inflamed. He cares about nobody but himself and even his wife, who he should at least have a little love for is treated with sexist disdain. He is cloaked in lies and deceit and all his relationships with people result in his gain, and usually their loss. His acting is so skilful and convincing that even his wife doesnt truly know him and Othello and Cassio refer to him as honest Iago, ironically far from his real character. His self pride and arrogance is apparent in his scorn for the characters around him, shown by his frequent references to animals and his disdain erring obsession for their sexual relationships, Were they as prime as goats, as hot as monkeys, As salt as wolves in pride Iagos love of himself leads him to desire everything for himself, the lack of this leads to great jealousy for the characters around him. He is jealous of Cassio for his rank of lieutenant, jealous of Othello for his success and falselyShow MoreRelated Iago in William Shakespeares Othello Essay1229 Words   |  5 PagesIago in William Shakespeares Othello William Shakespeare, born: 1564 died: 1616, is considered one of the greatest writers who has ever lived. He had a unique way of putting things into words. All of his plays, sonnets, and poems have gotten great recognition. But when Shakespeare wrote Othello he created one of the most controversial villains of all times; Iago. He is best described as disturbing, ruthless, and amoral. No other character can even come close to his evil (Iago: The 1). IagoRead More Iago of William Shakespeares Othello Essay1546 Words   |  7 PagesIago of William Shakespeares Othello Who is Iago? Iago poisons peoples thoughts, creating ideas in their heads without implicating himself. His first victim is Roderigo. 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William Shakespeare’s play Othello would not be one without an evil catalyst named Iago. He is a standard-bearer, or an â€Å"ancient† to the tragic hero Othello, who was a Moorish general in a Venetian army. In the play, Iago is the Satanic figure in whatever the word evil connotes. The word â€Å"evil† means that of which is morally bad or wrong, or thatRead MoreIago as Evil in William Shakespeares Othello Essay1138 Words   |  5 PagesIago as Evil in William Shakespeares Othello Othello is famously regarded as one of Shakespeares greatest tragedies. It explores the downfall of a great general Othello through a series of unlucky circumstances. Othellos character shows a man of high status whose job, marriage and life is ruined because of his insecurities by a man named Iago. Iago (Othellos ensign) is able to manipulate Othello, Othellos wife Desdemona and his own friend Roderigo (a VenetianRead MoreEssay Othello and Iago in William Shakespeares Play2334 Words   |  10 PagesOthello and Iago in William Shakespeares Play Othello, the main character in the play is married to Desdemona. At the start of the play Othello is seen as evil and bad by all the other characters and the audience. Brobantio (Desdemonas father), dislikes Othello very much at the start of the play. This is because Othello married Desdemona without her fathers consent and Brobantio thinks Othello has used black magic to win Desdemonas love. Whereas, this isnt the caseRead MoreIago as an Evil Manipulator in William Shakespeares Othello Essay719 Words   |  3 PagesIago as an Evil Manipulator in William Shakespeares Othello The statement Iago is an evil manipulator in my opinion is true. I see Iago as psychologically astute, deceiving and a misanthrope. His sadistic character hurts everyone in a web of deceit. Iago is Shakespeares most plausible and intriguing villains. The main themes in this play are appearance and reality, love, hate and jealousy. I intend to focus on Iago and see how his character changes and how Read MoreIago and the Literary Tradition of a Villain in William Shakespeares Othello1896 Words   |  8 PagesIago and the Literary Tradition of a Villain in William Shakespeares Othello In this essay, I am going to explain how Iago conforms to the literary tradition of a villain. Firstly, to answer this question, we must understand what exactly is meant by the term villain. The Collins Plain English Dictionary states that a villain is someone who deliberately sets out to harm other people. It is clear that Iago is clearly someone who has intentions of destroyingRead MoreEssay about Character Study of Iago in William Shakespeares Othello1225 Words   |  5 PagesCharacter Study of Iago in William Shakespeares Othello In Othello, Iago works to bring about the downfall of the characters that he hates, particularly Othello and Michael Cassio. In order to do this, he uses not only the weaknesses of his victims, but their strengths and good qualities as well. Iago says this about Desdemona: So will I turn her virtue into pitch, And out of her own goodness makes the net That shall enmesh them all (Act 2 Scene 3)

Private Tutions Are a Necessary Evil Free Essays

contact@sjcallahabad. org Class-9th Subject- History/Civics Short answer questions Civics Q. 1. We will write a custom essay sample on Private Tutions Are a Necessary Evil or any similar topic only for you Order Now Q. 2. Q. 3. Q. 4. Q. 5. Q. 6. Q. 7. Q. 8. Chapter Political Parties Define a Political party. Give any two ingredients of a political party. Give two reasons to explain why the candidates belong to political parties. Name the three party systems prevalent in the modern world. The bi party system is regarded as the best system for democratic countries. Give the demerits of Multi party system. Mention the two types of parties in India. What are National parties? Give their importance. Q. 9. What are Regional parties? Give their importance. Q. 10. Differentiate between National and regional parties. Q. 11. Name two national and two regional parties of India. Q. 12. Give any two policies of the following parties. i) Indian National Congress. ii) Janta Dal iii) Bhartiya Janta Party. iv) Communist Party of India (CPI) v) Communist Party of India. (M) Chapter Local Self Government (Rural) What is Local Self Government? What is Local Government? Why do we need a local self Government? Which committee suggested ways to set up the Panchayati Raj in India and when? Give the three levels of the rural local self Government? Name the local body formed at the village level. Give the Composition of a Gram Sabha. Give the Sources of income of a Gram Sabha. Mention any three functions of a Gram Sabha. Name the executive body of a Gram Sabha. How is a Gram Panchayat formed? Give any three functions of a Gram Panchayat. Name the local body at the block level in rural local self Government. What is a Nyaya Panchayat? What is its significance? Q. 15. What are the other names of the Panchayat Samiti? Q. 1. Q. 2. Q. 3. Q. 4. Q. 5. Q. 6. Q. 7. Q. 8. Q. 9. Q. 10. Q. 11. Q. 12. Q. 13. Q. 14. Discuss. contact@sjcallahabad. org Q. 16. Q. 17. Q. 18. Q. 19. Q. 20. Q. 21. Q. 22. Q. 23. Explain any three functions of a Panchayat Samiti. Name the highest local body in rural local self Government. Who are the members of a Zila Parishad? Mention any five duties of Zila Parishad. Mention any two achievements of Panchayat Raj. Mention any two short comings of Panchayati Raj. How is the administration of a district looked after? What are the functions of a District Collector? History Chapter Renaissance. Q. 1. What marks the end of the Middle Ages and the advent of the Modern Age? Q. 2. Define Renaissance. Q. 3. What was the role of the Church in the life of the people during the Medieval Age, Q. 4. What are the Chief features of the Renaissance? Q. 5. Name some fore runners of the Renaissance. Q. 6. What were crusades? Q. 7. How did the Geographical explorations contribute to the Renaissance movement? Q. 8. Where and when was the first printing press set up? Q. 9. Who was called ‘the father of humanism’? Q. 10. Name the book written by Machiavelli. Q. 11. Who was called the father of English poetry? Name his out standing work. Q. 12. Who wrote ‘Paradise Lost’? Q. 13. Who was called the ‘First Modern Man’? Q. 14. Name the book written by Erasmus. Q. 15. Name the immortal works of Leonardo-de Vinice. Q. 16. Name the master pieces of art of Michael Angelo. Q. 17. Who made the door of Baptistry of Florence? Q. 18. Name the master prices of art that revealed the artistic skill of the sculptors of the Renaissance period. Q. 19. Name the Statues Carved out by Michael Angelo. Q. 20. Name the churches built by the Renaissance architects. Q. 21. Give the examples of Renaissance architecture. Q. 22. Name the leading musician of the Roman School and his book on music. Q. 23. Name the famous musicians of the School of Venice. Q. 24. What was John Kepler’s contribution in the field of astronomy? Q. 25. Give the inventions of Galleo and Sir Isaac Newton. Q. 26. Who discovered Carbon dioxide? Q. 27. Name some inventions of the Renaissance period. contact@sjcallahabad. org How to cite Private Tutions Are a Necessary Evil, Essay examples

Thursday, April 23, 2020

My $10,000.00 Purchase Essays - Compact Cars, Hatchbacks, Volkswagen

My $10,000.00 Purchase I have given some thought to a big purchase after I get out of college. It will probably be a new car. I have always loved Volkswagens , and I think I would like to purchase a New Beetle. I own a 1961 VW Beetle, also known as a type 1. It is Cherry Red, and that is why I picked a New Beetle the same color. Through a lot of looking I have found a Cherry Red, 1998 VW New Beetle. It has 3,923 miles, power windows, locks, brakes, and tilt steering wheel. It also includes a sports pack. Which is alloy rims, rapped in 15 inch Michelins and a chrome dress up kit for the engine and exterior along with wood dress for the interior. You gain some speed with some help from a racing series transmission, from Empi motor sports. The price is $18,495, plus 6% sales tax. Taking the car to a total of $19,604. But, remember that in the state of PA it is illegal to drive without insurance on you automobile. So, I have added another $1,200 for a year of insurance. This car is rated as THE safest compact car on the road today. Provided by dual side airbags and passenger/drivers side airbags too. And with every car is a factory installed security system. With the price of insurance, sales tax, plus the purchase price, the total is a whopping $20,804. How may he buy that you say? Well, my great grandmother (god rest her soul) has left me $25,000 to do what I may with. I will only be spending a fraction of the money so, I have thought about installing a decal kit on the body along with a ground effects kit. This will take a little money. It racks up to $2,370. I have even thought about sticking a nice stereo system in it so I can rock and drive. It will probably be a Rockford system with enough speakers and amps to lift me off the ground. I think that I made a very good decision on the type of car I chose. Not only is it a very efficient car, but it is safe and secure too. With the decal kit and stereo I might even have a car that is worthy of a few bug jams or two. In all, I think I made a good investment. So if you decide to purchase a new car, always remember, Economics Essays

Tuesday, March 17, 2020

State Trooper Essay †Criminal Justice Essays

State Trooper Essay – Criminal Justice Essays Free Online Research Papers State Trooper Essay Criminal Justice Essays â€Å"More than half of the highway patrols and state police function as one agency within the states Department of Public Safety. Others operate as separate agencies whose chief administrators report directly to the governor. There are currently more then 58,000 sworn officers representing state police and highway patrols† (Stinchcomb 46). As stated in the Occupational Outlook Handbook developed by the Department of Labor, state troopers are often referred to as highway patrol officers, and state traffic officers. The major responsibility of a state trooper is to ensure public safety on the roadways. This includes patrolling the major highways, enforcing traffic laws, dealing with accidents, and other emergencies. State troopers must also enforce criminal laws such as burglary or assault. They may also be called in to help city or county police apprehend lawbreakers and control civil disturbances. All states with the exception of Hawaii have a statewide police force (qtd. in U.S. Department of Labor 368). As describe in the online site state.de.us, â€Å"state troopers must demonstrate good judgment, thoroughness, conscientiousness, common sense, motivation, and enthusiasm for the job. They must be dependable and willing to get involved in order to help deal with the problems of today’s society, Troopers have to be able to assume responsibility and make decisions often under pressure. They have to be able to work without supervision, follow orders, and function well under pressure.† â€Å"Activities of state troopers vary from state to state. Some duties they may have to perform are patrolling state and interstate highway, and enforcing motor vehicle and criminal laws. State police officers work a five-day 40-hour week, with rotating shifts. Some states however, such as New Jersey use a 4/10 shift rotations. This means they work four days a week for ten hours each day. Sometimes they will have to work holidays, and weekends because protection is need 24/7. Most troopers patrol the highways of their states in cars and motorcycles, although some use planes, helicopters, and even boats. State police officers usually patrol alone although others work with a partner. They are constantly in contact with their communication centers to check in with their superior officers and receive orders. State troopers must always be prepared to work outdoors for long periods of time in all kinds of weather, and they must always be prepared to use a gun.† (Learni ng Express chapter 3 pg. 4). As mentioned in the online site state.de.us., â€Å"troopers are required to perform duties such as sending and receiving radio and teletype messages, maintaining records and responding to telephone inquires concerning road conditions and locations. They are also responsible for preparing written memos and reports.† The daily routines of state troopers include moving vehicles checks and helping motorists. They are usually the first to arrive at a highway accidents where they have to provide emergency care, and gather evidence on the cause of the accident. (Learning Express chapter 3 pg. 3-4). Qualifications for the position of state trooper vary from state to state. All applicants must be U.S. citizens between the ages of 21 and 35 at the time of the appointment. State police agencies require a high school diploma, but most people with college training have a greater advantage. Many states require a certain number of college credits. All applicants must receive a passing mark on a written civil service examination as well as a qualifying rating on an interview conducted by a police board of examiners. Each applicant must pass a comprehensive medical examination, and some states require candidates to undergo psychological and psychiatric testing to determine emotional stability and suitability for this work. Applicants are also given performance tests designed to measure their strength, agility, and stamina. Background information gathered on each applicant to determine general character, honesty, past history, and overall suitability for the job. Those who meet all the entry requirements of the state police agency are placed on a certified civil service list of eligible’s and are selected from this list as vacancies occur. The recruits enter training school on a probationary basis, and must complete an intensive training program of approximately 12 to 16weeks. Candidates who successfully conclude this training are assigned to duty on a probationary basis for a period ranging from six months to one year or longer, depending on state policy ( qtd. in Hammer and Scheinkman 5). As mentioned in the online site njsp.org, â€Å"the income of State troopers varies by state but is determined by rank. The higher you go in rank the more you can expect to earn. The current starting salary for a New Jersey trooper is $53,576.46 a year (including a uniform allowance) Troopers also receive yearly raises. Members of the State Police are given medical and dental coverage, and are also offered a prescription drug and vision care program. Troopers are given vacation and personal days. State troopers are covered by a group Life Insurance Policy, and are eligible to participate in a deferred compensation plan or supplemental annuity plan to supplement retirement income.† â€Å"The demand for troopers is expected to be good through 2012† (Encyclopedia of Careers and Vocational Guidance 58). Because society is more conscious about security and because of drug related crimes there will be a need for more state troopers. As troopers retire or die there will be more openings for trooper positions. State Trooper employment is expected to grow much faster than the average for other occupations. Troopers will be needed in criminal investigation and other non-highway functions, but the greatest demand will be for Troopers to work in highway patrol. Because law enforcement work is becoming more complex specialists will be needed to develop administrative and criminal information systems (Encyclopedia of Careers and Vocational Guidance 58). Research Papers on State Trooper Essay - Criminal Justice EssaysUnreasonable Searches and SeizuresMoral and Ethical Issues in Hiring New EmployeesPETSTEL analysis of IndiaThe Effects of Illegal ImmigrationComparison: Letter from Birmingham and CritoThe Relationship Between Delinquency and Drug Use19 Century Society: A Deeply Divided EraArguments for Physician-Assisted Suicide (PAS)Twilight of the UAWCapital Punishment

Sunday, March 1, 2020

Emphasis for Epithets and Personification

Emphasis for Epithets and Personification Emphasis for Epithets and Personification Emphasis for Epithets and Personification By Mark Nichol Among the more colorful specimens of the human race you will find many who earned a sobriquet, or nickname what we word geeks call an epithet. (Epithet, among other meanings, is also a euphemism for name-calling or other uncomplimentary utterances.) From Alexander the Great to the King of Pop, memorable figures with such appellations have figured large in the public consciousness. But even these rulers have to submit to rules, so enclose any such epithet in quotation marks if it is enclosed in, or follows, the person’s actual name: â€Å"Charles ‘Lucky Lindy’ Lindbergh,† or â€Å"Lon Chaney, ‘the Man of a Thousand Faces.’† Otherwise no emphasis is needed. Informal nicknames for people who don’t appear in history books follow the same rule: Whether he’s called Chip, Kip, or Skip, quotation marks are superfluous when you write about him. Also capitalize but do not otherwise emphasize impermanent sobriquets such as â€Å"the First Lady† and collective epithets like â€Å"the Founding Fathers.† This rule is also pertinent for unnamed characters in films, plays, and the like: capitalize, but skip the quotation marks. What about inanimate objects? Our solar system’s fourth planetary body long ago earned the nickname the Red Planet. Just as with personal names, omit quotation mark, but do capitalize; it’s a name, after all, not just a simple description that distinguishes it from the blue planet and the green planet and the yellow planet. The same goes for the references to terrestrial appellations like the Golden State (California’s sobriquet) or the Seven Wonders of the World. And then there are conjectural places or entities like Memory Lane or Central Casting. Dictionaries and various style guides do not honor such terms with capitalization, but in my opinion, descriptions such as â€Å"Going back to my hometown, I took a trip down Memory Lane† and â€Å"The patrons bellied up to the bar were straight out of Central Casting† are strengthened by equating, with initial uppercase letters, the key words with real localities or institutions. (Defiant attitudes like mine are known in the editing trade as style breaks; consider this style broken here.) Objects can also be generically personified. For example, traditionally, ships and other craft have been affectionately referred to by the female pronoun not surprisingly, considering that those who perpetuated this affectation were men subjected to prolonged periods of duty aboard these vessels without the company of women. This custom is acceptable in fiction, but employ the gender-neutral pronoun in all other uses. Want to improve your English in five minutes a day? Get a subscription and start receiving our writing tips and exercises daily! Keep learning! Browse the Vocabulary category, check our popular posts, or choose a related post below:75 Synonyms for â€Å"Angry†Try to vs. Try andContinue and "Continue on"

Friday, February 14, 2020

Financial Innovation & Risk Management of Goldman Sachs Essay

Financial Innovation & Risk Management of Goldman Sachs - Essay Example The paper tells that over the recent years, commercial banks in the banking industry have recorded dramatic losses because of risks it faces due to global crisis. This is because, in the financial perspective, risk is assessed as the tendency whereby the actual return does not match with the expected return. As a commercial bank, Goldman Sachs faces market risk, financial risk and operation risk that arise from either external or internal activities. With banks facing a crisis as a result, of risks that arise from credit exposure and interest rate position among other risks they have resolved to upgrade the risk management strategies and theories they use. Goldman Sachs is one of the banks using risk management strategies that either eliminates or mitigates some risks. In other instances, Goldman Sachs management decides to shift the risks to other parties. The risk management strategies comprise of liquidity risk management, operations risk management, credit risk management and mar ket risk management that has over the years, seen the bank remain stable during both the financial and economic crisis. More significantly, banks carry out risky business, as it provides financial services to its clients. In the banking industry, Goldman Sachs is well known as the leading securities and global investment-banking firm. It has three main business lines that it operates comprising of investment banking, asset management and securities services and trading and principal investments. Goldman Sachs is an international corporation that provides services to a substantial and diversified client base that is widely distributed worldwide. With banking institutions in over twenty-three countries, it has diversified its operations outside the United States and grown globally (Goldman Sachs, 2012). Its wide base of clients includes other financial institutions, governments, corporations, and high net worth individuals. As a result, the management of Goldman Sachs focuses on being the leading member in worldwide financial markets besides being a leading advisor of choice to its wider clients’ base. Goldman Sachs just like other financial institutions faces business and operational risks that originates from its internal activities apart from financial risk that arise from outside activities (Goldman Sachs, 2012). As a result, liquidity, market and credit risks fall under liquidity risk because it relates to the outside clients of the bank. On the other hand, legal, people, system, equity investment and external risks relate to day-to-day operational risks of the bank. At Goldman Sachs, the management and strategic risks are more likely associated with business risks within the banking institution. More than often, institutions face a financial crisis, and economic crisis that have affected Goldman Sachs bank operations just like any other banks in the industry. Nonetheless, the impact of the crisis depends on the level of risk management an organizati on has been implemented (Goldman Sachs, 2012). With the high level of competition that exists in the banking industry today, besides the existence of an open economic system that is followed by sensitive market players and other strong external influences it is more challenging for institutions to carry out efficient liquidity management plans. Goldman Sachs, as one of the strong banking institution with branches in different countries faces competition from non-banking financial institutions that has recently seen banks declining reliance on the levels of deposits because of the immense competition. In addition, the competition in the banking industry has become immense thus, affecting the global position of Goldman Sachs in the financial market. With pressure mounting up for accountability to the shareholders based on risk management, Goldman Sachs just as, many banks have resorted to ensure that it mitigates risks while efficiently managing its liquidity levels

Saturday, February 1, 2020

Land Law Assignment Example | Topics and Well Written Essays - 2500 words

Land Law - Assignment Example S. No Table of Cases 1 â€Å"Bernstein v Skyviews General Ltd [1978] QB 479† 2 â€Å"Boomer v Atlantic Cement Co Ltd 257 NE 2d 870 ( NYCA ,1970)† 3 â€Å"Cadbury Schweppes Inc v FBI Foods Ltd (1999) SCR 142, 167, DLR (4th)† 4 â€Å"Chelsea Yacht and Boat Club v Pope [2001] 2 AII ER 409† 5 â€Å"Cooperative Wholesale Society Ltd v British Railway Board (1995)† 6 â€Å"Hulme v Brigham† 7 † Isenberge v East India House Estate Co Ltd {1863} 3 De G J & S23 â€Å" 8 â€Å"John Trenberth v National Westminster Bank (1979) 39 P & CR 104† 9 â€Å"Kelsen v Imperial Tobacco Co Ltd (1957) â€Å" 10 â€Å"Lemmon v Webb (1895)† 11 † Lewvest Ltd v Scotia Towers Ltd (1981) 126 DLR (3d) 239, Nfld SC†, 12 â€Å"Millennium Production Ltd v. Winter Garden Theatre (London) Ltd [1948] AC 173, HL† 13 â€Å"Mitchell v Mosley [1914] 1 Ch 438† 14 â€Å"Parker v British Airways Board (1982)† 15 â€Å"Reilly v Boo th (1890)† 16 â€Å"Rudd v Cinderella Rockerfellas Ltd [2003] EWCA Civ 529† 17 â€Å"Taylor v North West Water (1995)† 18 † Telecom Auckland Ltd v Auckland CC[1999] 1 NZLR 426† 19 â€Å"Woolerton and Wilson Ltd v Richard Costain Ltd [1970] 1 WLR 411† S. ... physical or tangible property like factories , fields , shops , houses and soil but also intangible privileges in the land such as right to create a charge on land to secure a loan or a right to walk along the neighbour’s driveway which is also known as an easement right, the privilege to take something from other’s land like fish, which is being a profit and an illustration of an â€Å"incorporeal hereditament’ and the privilege to manipulate the usage to which a neighbour may place his land, which is also known as a â€Å" restrictive covenant† . Thus, in legal parlance, a land includes both corporeal and physical asset and also includes the privilege that the owner or third parties may benefit from or over it1. Land may include any terrain, which is held other than the surface and hence, it is liable to horizontal division. Thus, land encompasses any specific map coordinates, which contain at least restricted segments of the superjacent and subjacent a reas. Thus, the area, the ownership to land can be differentiated and vested in various owners at a time, each owning a different part or stratum of the cubic space either above or below the surface layer of the ground. It is to be noted that owners of various floors in an apartment may own a freehold title by way of ‘common hold’ or have a claim of a leasehold estate2. The world of physical reality is being essentially related by the first three dimensions of land. However, the fourth and fifth dimension is not dealing with the physical aspects of land but deals with the intangible interest in the land. In Newlon Housing Trust v Alsulaimen (1999), it was held that the four dimensional of land is not only explained with the reference to the corporeal periphery of the land and also by reference to the period for

Friday, January 24, 2020

Abortion Essay -- essays research papers

Abortion   Ã‚  Ã‚  Ã‚  Ã‚  According to Planned Parenthood, â€Å"millions of women per year sought out illegal abortions, thousands died. There are two kinds of abortion; one is what we call spontaneous abortion. This type may be more familiar as a miscarriage. When an embryo or fetus stops developing the body expels it. If a woman wants to end her pregnancy then she can have what is called an induced abortion, this can be done either surgically or medically. It terminates the fetus so that the mother doesn’t have to raise a child. Three reasons why abortion is a critical issue are moral, financial, and health. These are very important in the decision to have an abortion.   Ã‚  Ã‚  Ã‚  Ã‚  The first reason why abortion is a critical issue is moral. The definition of moral is the distinction between right and wrong. People only think of abortion as being the right thing to do or the wrong thing to do. In some peoples minds it is either the killing of a child or saving it from having a horrible life. For instance the Catholic Church is so against abortion they go as far as trying to terminate the hospitals. They think of it as the killing of a human being while the woman who is having the abortion is just not fit to raise a child. Or in more extreme circumstances, rape or incest occurs. In this situation what do you do, probably have an abortion. In the mind of people all these are reasons why people think abortion is right or wrong, it just depends on ...

Thursday, January 16, 2020

How is Chinas economy growing so crazy, and how it affects the world as well as China Essay

Abstract: In this case study, I will be doing research on how is China’s economy growing so crazy, and how it affects the world as well as China. You will also see cause their economy is growing so fast and what are the challenges they are facing right now and the future. Introduction: The Republic of China’ has overtaken Japan as world’s second largest economy, after United States, Japan had held the 2nd position since 1968. In 2016 or earlier, International Monetary Fund (IMF) claims China’s economy surpassing US, the era of America economy leadership will be over. It’s average grow rate is about 10% for pass 30 years, making them as the world’s fastest growing economy. China has also climbed to the world’s largest exporter and second largest importer in the world. China has considerable economic weaknesses like low income levels, resource depletion and high unemployment, whereas the U.S. has comparable strengths and is poised to remain a global leader: Why is their economy growing so fast? The reason why their economy is growing dramatically, we will have to start from 1978, when the government executed a bunch of strategies for economy reform. These programs are including, encouraged rural enterprises, private businesses, liberalized foreign trade, investment, less control over prices, invested in industrial production, educate their workforce. Their economy had an annual growth of 6% initially, and peak of 17 percent, plus every capital income was quadruple in last 15 years. In 1997, some experts had already predicted that the China economy would sure be bigger than the US in less than 20 years. Here is IMF research team conclusion: New factories, manufacturing machines, communication systems and the amount of Chinese workers, increase in productivity were the factors that putting them as one of the strongest economy country. image02.jpg Automobile Industry China was rank third in the automobile industry by 2006 after Japan and US. During the reform, their automotive productions were less than 14000 yearly. Guess what? By 2002 their production jumped all the way up to 3.25 million! And 2009, it reached to 14 million. In 2009, China passed the States to become number 1 car maker worldwide. Domestic sales stayed with production, in 2006 8 million of cars were sold, which includes 5 million passenger cars and 2 million of commercial cars which shows how low price they sold their cars. The vehicles industry has been so successful in China so they begin to target exporting body parts worldwide in 1999.China has made a big step planning to get involved into image03.pngautomobile export business in 2005. In 2004, 15 major oversees automotive manufacturer plants in China. By 2003 China exports cost of 5 billion with unit of 80000 vehicles and parts, 174000 units in 2005 and 350000 units in 2006. Their goal is to reach at least of 80 billion US dollars by 2010. image04.png Natural Resources Coal: Coal is one of the most important natural resources for China, the most conserves mineral resources are considered to be coal and iron ore. Although they can be found in nearly most of the provinces, almost all of them are located in the northern part of China. A lot of good quality coals like bituminous coal are mostly reserved in China, Anthracite coals also present in some areas but its quite rare overall, that’s mostly found in Rocky Mountain. Coal helps the bulk of China’s energy consumption (75% in 2006), which led them again the world’s largest producer/consumer of coal. China usage of coal will be increasing dramatically as their economy continues to rise in absolute terms. If China keep increasingly rely on coal as a power consumption, it is going to put them becoming largest acid- rain causing sulfur dioxide and greenhouse gases. Oil and gas: China oil resources are also majorly located in north area provinces; types of oil include Oil shale and light oil. They uses up most of their oil output but doesn’t export any crude oil products, they are starting to develop oil deposits in China Seas and other oceans. Amount of natural gas reserves is unknown because they have only done a little exploration job on natural gases, Szechuan province accounts the most known natural gas reserves and production. Hydroelectric resources China has a great hydroelectric production due to their great river network and the mountainous terrain. A lot of the hydroelectric stations are located in the southwest of the country where low amount of coals are found but demand for energy is high. The potential of energy in north is small but the first hydroelectricity power station was built there by the Japanese during the occupation. In the winter, they have lower amount of rainfall, therefore, the stations are usually run less than the normal capacity, on other hand, flood always occur in the summer. What are the challenges that China is facing? High Inflation: Inflation is definitely one of the most challenges globally, but it is definitely the worse disaster for China that other countries. For clothes, the costs jumped 1.5% in April, it is the biggest up since 1997. For non-food, it didn’t have that much of different but it was still about 3%. For food, the price has inflated 11% on April

Wednesday, January 8, 2020

Reverse Mortgage Is It Right For Me - 987 Words

Reverse Mortgage is it right for me: The Reverse Mortgage is in fact not the right mortgage loan for every senior who owns a home; there are many things to consider when you are contemplating a Reverse Mortgage. First the amount of time you are planning to live in the home! If a person is planning on moving from the home within the next five years then you have a decision to make. It will take about five years to recover the closing cost associated with the Reverse Mortgage. Here is a list of general closing cost that you will have to pay at closing out of the proceeds. Mortgage Insurance Premium (to protect the value of your home, the money against mortgage company failure and other issues Origination Fee (lenders Cost) State Tax Stamp†¦show more content†¦Conversely, with a HECM, the borrower builds up debt while they live in the home. In addition to building up debt, there can be significant up front costs when brokering a reverse mortgage. If you plan on only taking out a small portion of money or plan on living in your home for only a short time then these costs can push the effective rate on the home up considerably. The last significant disadvantage of a reverse mortgage is that you leave your heirs with a noticeably smaller legacy. It might be something you should discuss with your heirs. When you take out this mortgage, you will have less equity in the home and likewise, the heirs will inherit a smaller portion of the home s value. Also, the longer you live in the home, the more the interest builds up, which further lessens the equity you have in the home. What are my current financial needs? Everyone, no matter the age, needs to assess their budget and the best ways to effectively manage their financial needs. The easiest way to do so is by going through last month s (or any average month s) bills. You should include everything you regularly spend money on. Where are the bulk of your expenses? Do you need to adjust your budget? CAN I adjust my budget? This will vary from person to person and household to household. There are many ways to cut down your expenses such as different grocery stores, paring down unused or unnecessaryShow MoreRelatedGood And Great By Jim Collins1615 Words   |  7 Pagesbooks, â€Å"Good to Great†, written by Jim Collins. This paper will attempt to give a high level overview of the book as well as personal reflection to the similarities to the course learning, key takeaways and any valuable information that will assist me in my career. Why your chose this book I chose the Good to Great book for the simple reason it was one of the titles that I had heard about. Everything that I had heard was very positive. I researched a few others on-line and thought this wouldRead MoreBernard Madoff2491 Words   |  10 Pagesthe entire system would collapse. 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[Student Signature] KARTIK †¦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‚¬ ¦..CHANDRA †¦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‚¬ ¦..CHATURVEDI Roll No S133F0010 Batch: 2013-15 [Dean Signature] Dean SBPPSE [FacultyRead MoreThe Effects Of Poverty On The United States Essay2046 Words   |  9 PagesBringing this statistics up is a good idea because what I want to show audience if I show this paper ends up somewhere else, the importance and the reality that is causing is real. There are people in the United States who are really stressing out right now because they can’t purchase items they need. Even worse putting food on the table. 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