Stake Of Labor And WTO Essays - World Trade Organization

Stake Of Labor And WTO Stake of Labor in the WTO Seven years of exchange dealings finally conceived an offspring to the World Trade Organization (WTO) in 1995, the U.S. work development was one of its driving cynics. A world exchange association, work supporters contended, would just quicken the fast race to free enterprise by destroying national guidelines. It would overpower endeavors by countries to protect expectations for everyday comforts also, the capacity of associations to battle for wages and wellbeing and security laws?and it would make it harder for countries to safeguard the privileges of laborers to join associations. Work campaigned hard against the WTO. Be that as it may, presently, amusingly, the WTO could turn into a basic scene for propelling specialists' privileges around the world. For the WTO has the capacity to survey countries' residential laws that make unreasonable exchange focal points counting, possibly, work laws. The WTO could characterize reasonable exchange to incorporate work guidelines. Such linkage would be a noteworthy change on the planet's exchanging system, and work's stake in it. Linking work rights with exchange strategy has been around since not long after World War II when endeavors to make a worldwide exchanging system started vigorously. In any case, the WTO speaks to the principal opportunity since 1948 to give the issue genuine consideration. Defenders of connecting work rights to exchange rules expand on the regular case for nothing exchange. For worldwide business to be free, showcases inside nations must not be fixed to empower trades and demoralize imports. This is the key guideline of facilitated commerce and it is the focal statute of the WTO. Work markets are an extraordinary case, since they are not traditional free markets. The lowest pay permitted by law laws and certifications of free aggregate bartering change the wages that showcase powers may somehow or another produce. However, the financial standard in cutting edge modern nations has since a long time ago acknowledged that some guideline of wages and working conditions can upgrade in general financial productivity, just as reasonableness. In the event that bosses are constrained to treat laborers appropriately, they will convey them more gainfully. By that rationale, certain work rehearses basic in undemocratic nations, for example, youngster work, jail work, and refusal of the option to frame associations, can be viewed as out of line exchange practices?and, conceivably, infringement of WTO rules that exchange should reflect satisfactory standards of market rivalry. Since compensation influence all exchanged items and administrations, work issues are key to a definitive believability of the WTO as the mediator of a predictable standard based worldwide exchanging framework. To the degree that wages are misleadingly held down on the grounds that work rights are revoked, a backhanded endowment is extricated from these laborers by their administrations' approaches, which ostensibly damage the WTO's unhindered commerce theory. During the WTO's second-year audit in late 1996 in Singapore, the United States effectively looked to connect work rights with exchange. Be that as it may, this exertion was obstructed by an alliance of Third World countries (who saw the activity as a type of protectionism) and the European Union (which was at that point ruled by traditionalist governments). Regardless, the endeavor put the U.S. government in favor of exchange work linkage and constrained WTO individuals to formally think about the issue of linkage just because. Indeed, even Sir Leon Brittain, the Thatcherite VP of the EU who effectively contradicted exchange work linkage, was constrained by sister EU governments to confirm that work principles and other clearly residential policy centered issues are currently the genuine worry of the WTO since they are worries of our constituents. The United States, as per the U.S. Exchange Agent's office in Geneva, will keep pushing for linkage. THE Roots OF THE WTO Established in the wake of World War II, the WTO's antecedent, the General Agreement on Tariffs and Trade (GATT) shaped the third mainstay of the Bretton Woods framework, which included monetary advancement advances through the World Bank and money related adjustment by means of the International Monetary Reserve. While the IMF and the World Bank date to the first Bretton Woods gathering of June 1944, exchange rules were first tended to in a 1946 gathering that set levy levels and built up a draft contract for an International Trade Association (ITO) that was introduced at the 1948 UN Conference on Trade and Work in Havana. John Maynard Keynes, the first engineer of the Bretton Woods framework, had planned to create overall exchanging decides that would maintain a strategic distance from the damaging protectionism common during the Great Depression, while protecting a promise to full business. The ITO sanction contained areas on work, product understandings, strategic approaches, universal speculation, and administrations. Be that as it may, the ITO was to be stillborn. What's more, the unmistakable quality of work in the development of the 1948 ITO would be lost

Critical Thinking Essay: the Godfather Essay

The Godfather, a tale about a multigenerational wrongdoing family by the Italian American writer Mario Puzo, was outstanding amongst other selling books since it was distributed in 1969. Not just the book was a wonder, its film under the bearing of chief Francis Ford Coppola had likewise become a milestone in American film since it was discharged in 1972. The Godfather point by point stunningly the exercises of the hoodlum world, particularly the Corleone family which was heavily influenced by the patriarch Vito Corleone featuring by Marlon Brando and Al Pacino as his most youthful child Michael Corleone who before long acquired his father’s position. The film satisfied the term artful culmination which helped it win three Academy Awards for best on-screen character, best picture, and best adjusted screenplay. In spite of the fact that the film was brimming with ruthless brutality and mass slaughtering of individuals, it likewise demonstrated the consideration, the adoration, and the dedication of the Corleone relatives for one another. Instead of simply demonstrating the criminal side of overstepping the laws or killing individuals, The Godfather indicated a shiny new vision of the hoodlum world to the crowds. The criminal kind previously began with the film the Little Caesar which was the principal film at any point made about the hoodlum world in 1931. Afterward, numerous well known chiefs had exploited this new pattern and discharged numerous incredible motion pictures with this classification, for example, executive Howard Hawkes with his celebrated movie Scarface in 1932 and chief Raoul Walsh with the film White Heat in 1949. Those were all the huge movies that gave the crowds the impression of how venturesome and hazardous the Mafia was. For the most part those motion pictures concentrated on a more youthful hoodlum who was attempting to stir his way up in his criminal vocation to turn out to be notable and incredible in the black market definitely. At that point, the arrival of the Godfather amazingly astoni shed all the fanatics of the horde motion pictures with a very surprising survey understanding. The film delineated an efficient criminal association, a â€Å"family business† that was moved from age to age. The crowds are pulled in the absolute first plot of the film when it shows Vito Corleone is doing his â€Å"business†. The man is demanding him to deliver retribution for his girl who was mercilessly beaten by her sweetheart and he will follow through on any cost the Godfather needs. The crowds will imagine that without a doubt the Don will say â€Å"yes† in light of the fact that that is the way a mobster is in their psyche: Give them cash, they will do anything. Be that as it may, Vito says â€Å"No† on the grounds that the main thing he needs from the man is fellowship and he feels ill bred when the man is just discussing cash. Another plot that shows the forward leap of the Godfather is the point at which his most established child, Santino, was butchered by Emilio Barzini’s men, the second most impressive Don, Vito still steps up of denying all the retaliation at which crowds think there will be a slaughter between the two families. Vito additionally makes a concession in doing drug business however he referenced that he never accepted medications. Consequently, he needs an assurance from different families for the wellbeing of his own family and the more youthful child, Michael, who is still in Sicily concealing endlessly from the police. Besides, because of chief Coppola for being resolved in picking the fitting entertainers and on-screen characters for each character in the film which was an incredible commitment to the film that caused it to turn into a perfect work of art. Marlon Brando was not the principal decision for the character Vito Corleone, he was really denied for throwing by the Paramount officials. Be that as it may, Coppola trusted Marlon was the best counterpart for the character so he contended energetically for him until the officials concurred. Marlon demonstrated to the officials that Coppola was directly by indicating his accord in being a patriarch of an amazing criminal family. The manner in which the Godfather converses with his customers makes him a good man to his loved ones yet a perilous and relentless executioner to the individuals who needs to conflict with him. In addition, the extraordinary exhibition of Marlon Brando puts an exceptional advancement of Al Pacino’s character. Like Marlon, Al Pacino was not exceptionally esteemed by the officials as a result of his looks and absence of encounters in acting. Notwithstanding, with his endeavors, the watchers can see the improvement in performing Michael Corleone through all the scenes. The scene he played that helped him keep his job is when Michael was in the café with McCluskey and Sollozo. This plot was extremely amazing and alarming that makes watchers mindfully watch it as far as possible. Michael’s shudder and stress before the shot effectively depicts an unpracticed mobster, a beginner in the black market of Michael. For sure, in the second 50% of the film, when Michael assumed control over his father’s seat and began the crash of the entirety of the family’s rivals, he demonstrated a picture of a youthful Don who was more insightful and perilous than his da d. As a criminal film, the Godfather has numerous plots that can make watchers leap out of their seats or shroud their appearances behind their hands. As an accomplished executive, Coppola realized how to join ambient melodies with the plots to underscore their substance. For instance, when Jack Woltz declined the proposal from the Godfather of letting Johnny Fontane cast a job in his film, the following morning he woke up and saw his adored pony head in his bed. The abhorrent music was playing little when the scene was demonstrating Woltz’s garden, watchers could even hear the sound of the crickets. At that point the camera gradually moved to Woltz’s room where the music was playing stronger and stronger as it came to approach Woltz’s bed. At last, the music went to greatest when Woltz was shouting since he saw the pony head. This scene truly cracked individuals out in light of the fact that Coppola utilized a genuine pony head. In conclusion, the film is noteworthy in light of the fact that it shows profoundly the human piece of mobsters. A common case of how the Corleone individuals care for one another is Santino’s care about his sister, Conny. At the primary scene of the film, there was the wedding of Conny and Carlo. Sadly, Carlo didn't cherish her. He intentionally wedded to Conny in light of the fact that he needed to engage in Corleone family which was the most impressive Mafia family in New York. Be that as it may, Vito Corleone didn't let any untouchables to be a piece of the his business. Carlo was frustrated and he began manhandling Conny wildly, his simply hitched spouse. In the film, crowds can see Santino was the main part in the family ensured Conny. Santino was additionally an exceptionally hot-tempered individual. In certain plots, since he was so forceful, he welcomed an extremely awful impact on watchers. All things considered, watching him beating Carlo in the city, watchers would have an increasingly positive inclination toward him. Another plot that makes the crowds more compassion for the film is when Vito resigned, he turned into an elderly person with basic delights of doing planting and playing with his grandson. Later in the film, he kicked the bucket by a coronary failure, an exceptionally ordinary way that could happen to different older folks. That scene truly shocks watchers since they may think as one of the most remarkable Don in the Mafia world, Vito Corleone ought to have had an increasingly decent demise. In general, in spite of the fact that the Godfather was discharged in 1972 at which the presentation of the entertainers and on-screen characters were not comparable to the throws now, it despite everything has the complete consideration of crowds each time they watch. It is appraised R which implies it has numerous very fierce scenes and bareness plots. A few people may think its viciousness is very agreeable. Be that as it may, if guardians don’t pay attention to thought before letting their children see the film, their children may in any case have a bad dream around evening time. Work Cited Seal, Mark. â€Å"The Godfather Wars.† Vanity Fair. N.p., Mar. 2009. Web. 18 Nov. 2012. . Rovi, Bruce Eder. â€Å"Little-Caesar †Trailer †Cast †Showtimes †NYTimes.com.† Little-Caesar †Trailer †Cast †Showtimes †NYTimes.com. The New York Times, n.d. . â€Å"TheGodfather Trivia: Leavethe Gun, Read the Trivia!(Total Trivia Entries: 147).† The Godfather Trivia. N.p., n.d. .

Do You Have Bad Credit and Need a Loan Here Are 4 Options

Do You Have Bad Credit and Need a Loan Here Are 4 Options Do You Have Bad Credit and Need a Loan? Here Are 4 Options Do You Have Bad Credit and Need a Loan? Here Are 4 OptionsFinding the right bad credit loan means doing your research, understanding the pros and cons of each product, and finding the loan that works best for you.If you have bad credit but you need to get a loan to cover a surprise expense, you’re going to have to make some hard choices. Whereas someone with a good score could borrow that money at fairly low rates, you’ll have to make do with more expensive options.But that doesn’t mean that all your possible options are bad, either. There are some bad credit loans and no credit check loans out there that can make for reasonable short term financing.Still, you’ll want to make sure you know exactly what you’re getting into before you borrow. With that in mind, here are four of your primary bad credit loan options. And remember: The smarter you borrow, the better off you’ll be.1. Payday loans.Payday loans are one of the most common types of no credit check loans. The idea b ehind them is that they serve as an advance on your next paycheck. (For this reason, they are also sometimes referred to as “cash advances.”) They are available as online loans and can also be obtained from local brick-and-mortar storefronts.Payday loans are small-dollar loans, meaning that the most you’ll be able to borrow is usually just a few hundred dollars. They also come with very short terms: The average repayment term for a payday loan is only two weeks, and the loans are repaid in a single lump sum payment.When you borrow a payday loan, you will oftentimes have to make out a post-dated check for the amount owed or sign an automatic debit agreement. When the loan’s due date arrives, the funds owed will then be automatically removed from your bank account.Unlike installment loans, payday loans charge interest as a flat fee, with an average rate of $15 per $100 borrowed. If you were to borrow $300 with a payday loan at that rate, you would be charged $45 in interest an d owe $345 in total. That flat rate means that early repayment won’t save you any money.While a 15 percent interest rate might not seem that high, payday loans are much more expensive than traditional personal loans, which calculate interest on an annual basis, not a weekly one. 15 percent interest on a two-week payday loan comes out to an annual percentage rate (APR) of 391 percent!Due to payday loans’ high interest rates, short terms, and lump sum payment structure, many borrowers have difficulty paying their loan off on-timeâ€"or they find themselves having to choose between making their loan payments and paying other important bills.Payday loan borrowers in this situation are often faced with two options: They can either take out a new payday loan or they can “roll over” their old loan, paying only the interest due and receiving an extension on their due date … in return for a brand new interest charge.Either way, rolling over and reborrowing a payday loan can end up t rapping borrowers into a dangerous cycle of debt. According to a study from the Consumer Financial Protection Bureau (CFPB), the average payday loan user takes out 10 payday loans every year.2. Title loans.Title loans are another kind of short-term bad credit loan. But while they are similar to payday loans in many ways, the two products also have some key differences.While payday loans are unsecured loansâ€"meaning that the borrower doesn’t have to offer any collateralâ€"title loans are secured by the title to the borrowers car or truck. In order to qualify for a title loan, a person must own their car free and clearâ€"meaning they don’t owe any money on an auto loan.This collateral means that the average consumer can borrow more with a title loan than they can with a payday loan. It should be noted, however, that title loan amounts rarely equal the full resale value for the vehicle being used as collateral.And even with that additional collateral providing decreased risk for t he lenderâ€"which would normally mean lower interest ratesâ€"the interest charges for title loans are still extremely high. They have an average repayment term of one month and an average interest charge of 25 percent, which works out to a 300 percent APR.While the average borrower can expect a larger loan principal with a title loan than they could get with a payday loan, the downside to title loans is also clear: If the borrower cannot repay their loan, the lending company can repossess their car and sell it in order to make up their losses.And this isn’t just a hypothetical either: According to research from the CFPB, one in five title loans ends with the borrower’s car being repossessed. In some states, title lenders don’t have to recompense borrowers if the car ends up being sold for more than was owed.3. Pawn shops.You might not think of pawn shops as a place where you go to borrow money, but that’s exactly how they work. Customers bring in valuable items that are then used to secure small-dollar loans; if the borrower can’t pay the loan back, the pawn shop gets to keep the collateral and sell it.Similar to title loans, the amount you can borrow with a pawn shop loan will vary depending on the worth of the item being used as collateral. The more valuable the item, the more money you’ll be able to borrow but the more you’ll stand to lose if you default on the loan.All small-dollar loans are regulated at the state and local level, meaning that loan terms and interest rates will vary depending on where you live. But even compared to payday and title loans, the rates and terms for pawn shop loans vary wildly. Most pawn shop loans are issued on a month-to-month basis.Pawn shops charge anywhere from 15 to 240 percent interest depending on local and state regulations. Before deciding whether a pawn shop loan fits your bad credit borrowing needs, you should do research on your local laws to see what kinds of rates you’ll be charged.4. Installment loans.Unlike the other loans included in this list, installment loans come with repayment terms that are longer than two weeks or a month. Your typical installment loan often comes with repayment terms anywhere from nine to 18 months.In some ways, bad credit installment loans are the same thing as regular personal loans; they simply come with higher interest rates. Installment loans are paid off in a series of regularly scheduled paymentsâ€"instead of just one lump sumâ€"and they charge interest as an ongoing rate instead of as a flat fee.Installment loans are also amortizing, which means that each payment goes towards both the interest and principal loan amount. Early payments  mostly go towards interest, while later payments are almost entirely principal. The ratio between the two changes according to the loan’s amortization schedule.Since installment loan interest is charged as on ongoing rate, paying the loan off early will save you money. Before borrowing, however, you shoul d check to see whether or not the lending company charges prepayment penalties, which penalize you for doing just that.The rates for installment loans differ from loan to loan, lender to lender, and state to state. Still, the rates for installment loans are oftentimes lower than the rates for title and payday loans. One of the few downsides is that longer loan terms can mean more money paid towards interest overall compared to short-term loans.Still, the smaller individual payments for installment loans could end up negating that extra cost. If a borrower is unable to pay off their short-term loan, they will be forced to roll it over or reborrow it. And every time they do, their cost of borrowing goes up. Meanwhile, making regular payments on an installment loan keeps costs steady.With payday loans and title loans, it is rare that a lender will run any sort of check on their customers’ ability to repay the money they’re borrowing. With installment loans, this practice is more co mmon. They often perform their due diligence by verifying an applicant’s income or running a soft check on their credit historyâ€"one that won’t affect their score.Lastly, some installment lendersâ€"like OppLoansâ€"report their customers payment information to the credit bureaus. This means that on-time loan payments will be reflected in customers’ credit history and can help them build their credit scores.Borrow now, plan for later.Even the best bad credit loan is no match for a well-stocked emergency fund. Instead of paying money towards interest, your long-term financial plan needs to involve money that’s been set aside to deal with surprise bills and other unforeseen expenses.While youre building those savings, it wouldn’t hurt to tackle your credit score as well. Even if you end up needing to borrow money to pay for a car repair bill or a medical expense, a good credit score will mean you can take out a loan with much lower interest rates to do so.If you have bad cred it, you should focus on paying your bills on time and paying down your debt, as those two factors make up 65 percent of your overall score. For debt repayment, you should try either the Debt Snowball or the Debt Avalanche methods.And no matter what steps you take to improve your financial situation, one of those steps needs to be building a budget and then sticking to it. Without that, all your other efforts to pay down debt, improve your credit, and build up your savings will fall flat on their faces. To learn more, check out these other posts and articles from OppLoans:How to Raise Your Credit Score by 100 PointsSave More Money with These 40 Expert TipsFinancial Basics: Expert Tips for Smarter SpendingBuilding Your Financial Life: Budgeting for BeginnersDo you have a personal finance question youd like us to answer? Let us know! You can find us  on  Facebook  and  Twitter.  |Instagram

Native American Culture Essays - 1004 Words

Native American Culture is a culture of respect to their ancestors, and to their gods such as the moon, sun, and animals. Believing in reincarnations, they give sacrifice of animals and dance around fire to be in their gods favor; for when they die they will return in some form of animal or human. Reasons for the expansion of Europe into the west were 1). They were in search of riches ex. Gold, oil, tobacco, land, crops est., they figured if they can find these resources they can trade them and make lots of money. 2) They wanted to conquer other lands with people in it, so that they can control them; meaning using them as slaves. As slaves you can sale them for profit, work them in your house hold to do your chores, and work them in your†¦show more content†¦2) The equality to men- meaning women were started to be treated like men in most circumstances like jobs, political matters and in families. 3) The rights to an education. 4) The change of the surroundings before the ch ange things were tended more for men but after the change things started to tend for women ex. Books, jobs, and schools. Problems the confederacy faced during their form of government were, Debt- America; during post-revolutionary war there was no solution to the war debt which was overwhelming to both the nation and state. The confederacy was not organized, they had no type of police to give the law and follow it, they formed a convention but they did not have a supreme leader to oversee everything so things were not done correctly, problems of non-uniform commercial policies, nonpayment of state quotas, insufficient sources of national revenue, and non-attendance by state delegates. Also there the great compromise of the constitution. One of them was the Great compromise, were small states wanted all states to have the same number of representatives to Congress, and large states wanted representation to be determined by the population of the state. Another compromise was the 3/5t hs compromise, were southern states wantedShow MoreRelatedThe Native American Culture Of Native Americans1335 Words   |  6 Pagesand music, and Native American is no exception. First, the native music related many aspects such as ritual, life and work. 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There are unique collection of instruments that are played in ceremonial events, recreation, and even through healing. Some of these instruments are drums, flutes, rattles, and other percussion instruments. The voice is also used quite a lot and may even be the most important one because it is the backbone of music made in Native American Cultures. Native AmericanRead MoreThe Native American Tribes Culture1440 Words   |  6 PagesAbstract The Native American tribes’ culture has been affected as a result of the change in a climate whereby most of the refined foods are not consumed by the modern and the manufactured foods. The Native Americans of the American Indian, Alaska and the Bannock tribes face unique challenges whereby their native foods are no more due to the destruction of their cultural practices, and people have turned into taking the modern food (Marry, 2016). 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As a result, Chocolate Thunder, the sexual toy in question, is placed over the son’s crib once the son recovers. This playful European American theme is a key part of an intense Spokane Indian healing ritual that is seemingly as powerful as contemporary

The First Job Position That I Got Became The Fire Chief

The first job position that I picked was the Fire Chief. The general requirements for this position would be under limited direction, perform responsible work in the administration of the County fire and rescue services in accordance with Federal, State, and County laws. Work involves directing, planning, budgeting, developing, organizing, and managing the public fire and rescue system for the County. Responsible for implementing activities required in the long-term planning and budgeting for the County volunteer fire departments, serving as liaison between County administration and volunteer fire departments, and directing the activities of the Fire Rescue Division in emergency situations in order to protect lives and property of those in†¦show more content†¦Work involves directing, planning, budgeting, developing, organizing, and managing the public fire and rescue system for the County. Responsible for implementing activities required in the long-term planning and budget ing for the County Volunteer fire departments, serving as liaison between County administration and volunteer fire departments, and directing the activities of the Fire Rescue Division in emergency situations in order to protect lives and property of those in need of assistance. Duties for this Position †¢ Supervises staff including but not limited to prioritizing and assigning work; monitoring and managing performance and conducting performance evaluations, ensuring that staff is trained, maintaining standards, coordinating activities, allocating personnel, making hiring, termination, and disciplinary/grievance decisions, and recommending and approving employee transfers, promotions, and salary increases. †¢ Develops and oversees implementation of the County’s fire/rescue protection system which includes assessing community needs, setting priorities, determining available resources, and evaluating protection options. †¢ Formulates and enforces departmental rules and regulations, work methods, and procedures. †¢ Reviews reports of the activities of each fire/rescue division and provides feedback to

Balance Sheet and Regulatory Features Paper Free Essays

Financial institutions offer a wide array of services that vary in terms of transactions, clients, packaging, volume and other parameters. Among them are the investment securities firms, banks and insurance companies. In general, they all â€Å"perform the essential function of channeling funds from those with surplus funds to those with shortages of funds† (Saunders Cornett, 2003). We will write a custom essay sample on Balance Sheet and Regulatory Features Paper or any similar topic only for you Order Now Then as they progress with their respective financial products, services, and target markets, then their roles in the financial world become more apparent. Investment Securities Firms Investment securities firms act as brokers and sell securities such as company stocks, commercial papers and promissory notes as well as government-issued treasury bills. â€Å"[They] assist individuals who want to purchase new or existing securities issues or who want to sell previously purchased securities† (Melicher Norton, 2003). Full service of these firms for individual clients would include doing research on securities available for them to invest in and rendering advisory services by giving clients timely information and recommendations based thereon (Saunders Cornett, 2003). These they do also for corporate clients that park some of their idle company funds in securities – both fixed-income securities and stocks. These firms charge commission and service fees for their services, and this is basically how they generate their income. Depository Institutions While investment securities firms are non-depository institutions, those that are designated as depository institutions can accept deposits from retail savers. They include banks, savings institutions and credit unions (Saunders Cornett, 2003). While non-depository institutions plainly act as intermediaries of funds from the sources (the investors and the savers) to the users (the companies needing additional working capital to fund their operations, etc. ), depository institutions can act both as intermediaries and as custodians of the money entrusted to them. When an investor goes to an investment securities firm to either buy stocks or to put some money in commercial papers, they know that their money is placed in the company that issued the securities (stock or debt instruments). They will therefore be concerned with the financial well-being of the securities issuer, and not so much the investment securities firm. This is because the company primarily responsible for the safety of the value and the income of their money is the same company that issued the securities they invested in. In contrast, when an investor goes to a depository institution like a bank to leave their money there for safekeeping until they would need to use it or to invest it elsewhere, the same investor is placing his trust and confidence in the depository institution. He, therefore, believes that the institution is financially sound and that putting his money in their custody is a safe move. The institution, in turn, accepts the deposits and stands to be responsible for them. In behalf of their depositors, then, they invest the pooled deposits elsewhere and lend them to qualified borrowers. Financial Intermediaries Financial intermediaries generally include banks, investment securities firms, investment banks, insurance companies and pension funds. They are grouped into three categories: the depository institutions (banks), the contractual savings institutions (insurance companies) and investment intermediaries (mutual funds). These entities stand between the lender-savers and the borrower-spenders and facilitate the transfer of funds from one to the other. (Mishkin, 2001) They receive money and pass them on as investments, subject to their respective agreements or transaction contracts with their clients. How to cite Balance Sheet and Regulatory Features Paper, Papers

2Pac Shakur Essay Example For Students

2Pac Shakur Essay Tupac (Two-pahk) Amur Shakur, commonly known as 2pac, led a violent life. He died on September 13, 1996. He was a gangsta rapper/Aspiring actor. Tupac was a big figure in the rap community, always doing what he wanted and not caring what others thought of him. His life symbolized what a lot of people have gone through, through his music and movies he showed us how hard life can be. Tupac was born in Brooklyn, NY in 1971. His family and he moved to Baltimore, Maryland early in his life. He took Performing Arts classes at his chool; his teachers said he looked promising. He never finished school. He dropped out and moved to a small town outside Oakland, CA (Associated), however he did go to college and finish his high school credits. All his life he was raised by his mom, with his sister. He always led a violent life; April 5, 1993, he assaulted a fellow rapper with a baseball bat. October 31, 1993, he was charged with shooting two off duty police officers. The charges were later dropped. November 19, 1993, he was convicted of sexual assault (Death). In November 1994, Tupac himself was shot during an attempted robbery outside a music studio in New York. Tupac did, however, mention this; Thug life to me is dead. If its real, let somebody else represent it because Im tired of it. Shakur told Vibe Magazine. I represented it too much. I was Thug Life( Associated). Tupac had a very promising career. His first album 2pacallyps Now was very successful. Not too late after that his movie Juice was released in 1992. He released two more albums titled Strictly for my Niggaz and Me against the orld and two more movies Poetic Justice (1993) and Above the Rim(1994). His last album, All Eyes on Me sold over 6 million copies and was the first double CD for rap music. (Thuglife)(Associated) 4:03 p. m. PDT, Friday, September 13, Tupac died of respiratory failure and cardio-pulmonary arrest at University Medical Center, Las Vegas(Payne). He died of bullet wounds to the abdomen and chest at the young age of 25 (Unofficial). Shakur was shot four times in the chest and abdomen. Police believe he was the target. He lingered in a coma before he died. So far police have no suspects. All they are saying is that the people were in a white cadillac, not from Las Vegas where he was shot (Associated). I believe that Tupac although he lived a violent life, mostly tried to keep others away from the life he had lived. He died after going farther than a lot of people would have gotten in their entire life. Some believe that Tupacs death was faked but I do not know which to believe. This man was great at what he did, rap, and movies and that is what I admire him for.

Female Entrepreneurs in the UAE 10 years ago and in 2013

Introduction Entrepreneurs, regardless of their inherent location or gender, share similar problems in relation to properly accessing sufficient capital to start their business, being able to attract customers, developing a sufficient cash flow to sustain their venture and a variety of other nuances that are connected to the process of developing a business.Advertising We will write a custom proposal sample on Female Entrepreneurs in the UAE 10 years ago and in 2013 specifically for you for only $16.05 $11/page Learn More Within the study of Tlaiss (2013), it was explained that in most market economies small to medium scale enterprises (SMEs) make up the bulk of a country’s enterprises constituting 80 to 90 % of local businesses [1]. Such an orientation can also be seen in the case of the UAE wherein SMEs make up 82% of local businesses within the country and employ up to 80 % of the workforce. Despite this, it must be noted that despite the fact that SMEs constitute 82% of local businesses they are still overshadowed by the region’s oil and natural gas industry which accounts for a large percentage of the UAE government’s budget revenues [1]. This is in stark contrast to the situation found in countries such as the U.S., UK, China and other industrialized countries where local SMEs makeup more than 70 % of GDP, 60 to 70 % of local government revenue and 75 % of export earnings. While the UAE’s status as an oil exporter does entail a decidedly different economic structure, it must be noted that given the nonrenewable state of its oil reserves it is absolutely necessary to implement some measure of encouraging the development of SMEs in order to have a strong local economy in place that is not dependent on resource that will inevitably dry up [9]. With the development of new internal policies within the UAE comes an era where women have become more empowered, both in the workforce and in entrepreneurship. This is evidenced by the fact that nearly 54% of all university graduates within the UAE are women and that a growing percentage of them focus on furthering their own careers and the development of their family business rather than enter into a prospective marriage [10]. As a result, with declining marriage rates comes a distinct decline in access to sufficient capital by bachelors since it is the intermarriage between families that is the source of capital for an entrepreneur in the UAE to establish his own business [2]. This is not to imply that women themselves cannot be entrepreneurs within the country, far from it, women are actually actively encouraged to take part in business and several have become successful entrepreneurs. However, due to various types of cultural restrictions which are a part of social traditions in the UAE, this creates a low rate of female entrepreneurship with only 3 out of 10 entrepreneurial businesses being started by a woman [2]. These restrictions come in the form of:Advertising Looking for proposal on business economics? Let's see if we can help you! Get your first paper with 15% OFF Learn More Women needing permission from a male to start a business Separate bank accounts are necessary (i.e. male for male, female for female) Insufficient support from the government Lack of collaboration with other women In this paper what will be analyzed are the inherent difficulties experienced by female entrepreneurs within the U.AE. It is expected that through the various facts and arguments presented in this paper, a clearer picture can be developed regarding what difficulties female entrepreneurs experience within the UAE and what processes have been put in place by the government in order to address such issues. It is expected that through proper investigation and analysis, this paper will create effective suggestions as to how female entrepreneurs within the region can best respond to the financial opportunities and challenges they are currently experiencing. Objective The primary objective of this paper is to compare the situation of female entrepreneurs within the UAE 10 years ago with their current situation in 2013. Through this analysis, this paper will be able to show whether sufficiently positive developments have been enacted that would be conducive towards developing a better environment to encourage female entrepreneurship within the UAE. In this paper what will be examined is the current state of SME’s within the UAE and the situation of female entrepreneurs in 2013 as compared to how they were ten years ago. By comparing their situation in 2004 with their current situation in 2013, this paper will be able to determine whether sufficiently positive changes have been implemented resulting in a better overall situation for the growth of female entrepreneurship within the UAE. Through this section, a greater understanding will be developed regarding the various factors that rest ricted the growth of female entrepreneurship within the region and if such factors continue to take a dominating role in gender based entrepreneurial growth. So far, what this section has shown is that the problems female entrepreneurs currently face within the country come in the form of traditional cultural practices, insufficient government support and lack of proper access to financial institutions. Such processes are distinctly different from those in western countries since there is little in the way of a similar discriminatory process. When comparing the data from the article â€Å"Small Enterprises: Women Entrepreneurs in the UAE† by Hans Christian Haan with current academic articles examining the state of female entrepreneurship within the country, it was shown that the issues have remained roughly unchanged from the time that the Haan article was written. It is based on this that the primary objective of this paper is to expound on such issues and determine how they can be resolved. Problem Definition Ten years ago, female entrepreneurs within the UAE suffered from a string of limiting factors that prevented their expansive growth. This came in the form of traditional cultural practices, insufficient government support and lack of proper access to financial institutions. Since these factors were in place ten years ago, this study will thus seek to determine whether these problems continue to exist at the present, how female entrepreneurs view such problems and what solutions may be needed in order to effectively address them.Advertising We will write a custom proposal sample on Female Entrepreneurs in the UAE 10 years ago and in 2013 specifically for you for only $16.05 $11/page Learn More It is based on this discovery that in the following section an investigation will be conducted regarding the current perception of female entrepreneurs involving the problems they face and what possible means of addressing them could be developed. The fact remains that the current policy system within the region suffers from significant gender specific biases. This creates barriers towards the creation of a better business environment for female entrepreneurs. What is necessary is the development of better policy initiatives in not only removing gender barriers in entrepreneurial activity but also in developing the necessary networks for female entrepreneurs to thrive. Another necessary examination is to elaborate on the current status of female entrepreneurial funding within the country and how this has affected the success/ failure rates of entrepreneurs. Another question that must be delved into is whether all the recent programs aimed at creating better conditions for female entrepreneurs have been effective or have things remained the same despite their implementation? The end result of such an analysis is to understand what methods of female entrepreneurial funding would the entrepreneurs like to see implemented so as to create a better business environment that is more conducive towards entrepreneurial activity. Literature Review Current Attitudes Regarding Business Financing Based on the article â€Å"Small Enterprises: Women Entrepreneurs in the UAE† by Hans Christian Haan, it was noted that women within the UAE rely on their own personal savings as their primary method of creating startup capital [12]. This is an incredibly laborious and time consuming process which would of course slow down the process of entrepreneurial activity within any country that utilizes such a system [11]. Such a situation is in stark contrast to the way in which the entrepreneurial sector in other countries such as China, the U.S., the UK and even in certain sectors in the Middle East work since it is often seen that investing in entrepreneurs creates numerous beneficial actions, such as: A better local economy Greater amount of bank deposits Helping out what could potentially develop int o a larger enterprise Banks generally think of entrepreneurs as â€Å"safe bets† when it comes to loans due to the attitude of entrepreneurs in paying back what they owe even if a particular business did not turn out as successful as expected [11]. Thus, startup capital in such situations often comes about through bank loans resulting in a far quicker level of business creation.Advertising Looking for proposal on business economics? Let's see if we can help you! Get your first paper with 15% OFF Learn More After conducting an analysis of the Erogul (2011) article which examined the current situation of women entrepreneurs within the UAE, it was revealed that female entrepreneurs still continue to rely on their own slowly accumulated capital as compared to merely taking out a bank loan [3]. This shows that from 2004 till the present, there has been little change in the cultural attitude regarding entrepreneurial financing among women [8]. One of the potential reasons behind such a state of affairs has been connected to the currently arduous process of taking out a loan within a bank wherein a male sponsor is needed in order to sign and guarantee all aspects of the loan [13]. Since female entrepreneurs have to rely on a sponsor who may not always be there, this further impedes the process of business development which actually discourages women from relying on banks as a source of capital [4]. It was seen that in the article â€Å"Small Enterprises: Women Entrepreneurs in the UAE† by Hans Christian Haan that in the case of the UAE, family played a crucial role in the funding and development of small to medium scale business ventures for women wherein more than 25% of local businesses started by female entrepreneurs were a result of family members contributing towards the initial starting capital of the entrepreneur and actively gave advice regarding the proper management of the business [7]. In fact, it was noted by researchers such as Mostafa (2005) that it is the strong interfamily ties within the country’s culture that limits the export market of the UAE. This is due to the development of a business culture where it has become preferable to deal with family members or friends of the family when it comes to joint business ventures and business opportunities. This in effect severely curtails the ability of a business to expand beyond its current market due to the inherent hesitance in dealing with the unfamiliar [5]. While there is nothing inherentl y wrong with family based methods of capital financing, studies such as those by Mostafa (2005) stated that it often came with certain conditions related to the types of business that can be gone into by female entrepreneurs [5]. This often entailed clothing, textiles, and manufacturing that were often detailed as the â€Å"traditional domain† of female entrepreneurs within the UAE. This conditional funding through family based methods of capital development can actually be considered a limiting factor in the capacity for female entrepreneurs to establish themselves in new types of business and, as such, can be considered a detrimental feature of the current â€Å"entrepreneurial funding† system within the UAE Analysis of Government Policy Initiatives An analysis of government policy initiatives that were mentioned in the Haan article showed the presence of gender specific barriers in entrepreneurship wherein male sponsorship, male networking and overall male assistanc e was required when it came to women entering into any form of entrepreneurial activity. The problem with the implementation of male sponsorships is that it is not needed in the case of women entrepreneurs since males basically just sign their signatures on a piece of paper [6]. They are not partners in the business nor do they take an active role in it; basically the Haan article shows that men are just there to show that there is a level of biased gender supervision occurring. Through the work of Madsen (2010), it was revealed that at the present, there have been no government policy initiatives to address such issues with the same policies continuing to exist [6]. Contributing to this problem is the lack of sufficient government funding in the development of female support networks which are there to help women in connecting with each other and developing the necessary relationships to grow and expand their business. While it may be true that the UAE government states that it act ively promotes female entrepreneurship and even gives awards to prominent female entrepreneurs, the fact remains that the current policy system within the region suffers from significant gender specific biases. This creates barriers towards the creation of a better business environment for female entrepreneurs [6]. What is necessary is the development of better policy initiatives in not only removing gender barriers in entrepreneurial activity but also in developing the necessary networks for female entrepreneurs to thrive. Methodology The methodology that will be utilized within this particular study will be comprised of an evaluation of questionnaire results sent to a variety of female entrepreneurs within the UAE in order to determine the various difficulties they experience on a daily basis when it comes to entrepreneurial activities. Approaching the Candidates In order to gather the necessary data for this study, 20 female entrepreneurs will be approached by first contacting th em via email. They will be asked if they would be willing to be part of an online survey utilizing the web service www.surveymonkey.com where all their responses will be recorded. If they agree, all they would need to do is click the link on the email and they will immediately be sent to the survey page where they will fill out their personal information and fill out the questionnaire that has been developed. Questions The first set of questions that will be sent to entrepreneurs will be comprised of the following: How were you able to initially fund your business? Was it through family funds? Bank loans or through government sponsored programs? Aside from the method of funding that you utilized for the initial financing of your business, what method of funding would you want to utilize for any future expansion? Are you going to utilize the same initial source of funding or are you going to go for alternatives? Would you say that financing a business is relatively easy or simple wi thin the UAE? Have you ever utilized a bank loan as means of financing some method of your business operation? If so what were the complications that you experienced, if any. What are some of the complications you have experienced as an entrepreneur within the UAE? Please elaborate on some of your experiences when it came to finding funds for your business. Would you say that local government programs have been an effective resource for local funding? In terms of developing an entrepreneur, would you say that the local government programs aimed at educating young female entrepreneurs have been effective? When it comes to the sale and development of your current product line/service, are you looking towards expanding only within local markets or do you have any plans in expanding internationally? Please explain your reasons for doing so on whatever choice suits you the most. What would you say is the most difficult aspect of being a female entrepreneur within the UAE? Do you know of any female entrepreneurs that have been successful in developing their business to encompass foreign markets? If so what was the source of their finances? As a female entrepreneur within the UAE, please elaborate on the current status of female entrepreneurial funding within the country and how this has affected the success/ failure rates of entrepreneurs. Reference List H. Tlaiss. â€Å"Women Managers In The United Arab Emirates: Successful Careers Or What?.† Equality, Diversity Inclusion, vol. 32, no. 8, pp. 756-776, 2013 Y. Itani, S. Yusuf, and I. Baalbaki. â€Å"United Arab Emirates Female Entrepreneurs: Motivations and Frustrations.† Equality, Diversity Inclusion, vol. 30, no.5, pp. 409-424, 2011 M. Erogul.†Social Capital Impediments in the United Arab Emirates: A Case of Emirati Female Entrepreneurs.† Journal Of Enterprising Culture, vol. 19, no.3, pp. 315-339, 2011 Q. Tong. â€Å"An Analysis of Entrepreneurship across Five Major Nationality Grou ps in the United Arab Emirates.† Journal Of Developmental Entrepreneurship, vol. 17, no.2, pp. 1, 2012 M. Mostafa. â€Å"Attitudes towards Women Managers in the United Arab Emirates: The Effects of Patriarchy, Age, and Sex Differences.† Journal Of Managerial Psychology, vol. 20, no.6, pp. 522-540, 2005 S. Madsen. â€Å"Leadership Development in the United Arab Emirates: The Transformational Learning Experiences of Women.† Journal Of Leadership Organizational Studies (Sage Publications Inc.), vol. 17, no.1, pp.100-110, 2010 â€Å"Typology of Career Development for Arab Women Managers in the United Arab Emirates.† Career Development International, vol. 15, no.2, pp. 121-143, 2010 E. Harrison and S. Michailova. â€Å"Working In the Middle East: Western Female Expatriates’ Experiences in the United Arab Emirates.† International Journal Of Human Resource Management, vol. 23, no.3, pp. 625-644, 2012 N. Madichie and M. Gallant. â€Å"Broken Silenc e: A Commentary on Women’s Entrepreneurship in the United Arab Emirates.† International Journal Of Entrepreneurship Innovation, vol. 13, no.2, pp. 81-92, 2012 G. Ghazal, Vidican, and D. Samulewicz. â€Å"Assessing the Impact of Socio-Economic Inequities on College Enrolment: Emerging Differences in the United Arab Emirates.† Journal Of Higher Education Policy Management, vol.33, no.5, pp. 459-47, 20111 J. Kunnanatt. â€Å"Doing Business in the United Arab Emirates – The Strategic Business Environment.† Journal Of The Academy Of Business Economics, vol.13, no.4, pp. 145-152, 2013 H. Haan. â€Å"Small Enterprises: Women Entrepreneurs in the UAE.† Centre for Labor Market Research Information (CLMRI), vol. 1, no. 1, pp. 1-52, 2004 Trident Communications. â€Å"Women Business Owners in the United Arab Emirates.†Center of Arab Women for Training and Research, vol. 1, no. 1, pp. 1-48, 2007 This proposal on Female Entrepreneurs in the UAE 10 years ago and in 2013 was written and submitted by user Jaydin J. to help you with your own studies. You are free to use it for research and reference purposes in order to write your own paper; however, you must cite it accordingly. You can donate your paper here.

Biography of Alexander II, Russias Reformist Tsar

Biography of Alexander II, Russia's Reformist Tsar Alexander II (born Alexander Nikolaevich Romanov; April 29, 1818 – March 13, 1881) was a nineteenth-century Russian emperor. Under his rule, Russia moved towards reform, most notably in the abolition of serfdom. However, his assassination cut these efforts short. Fast Facts: Alexander II Full Name:  Alexander Nikolaevich Romanov Occupation: Emperor of RussiaBorn: April 29, 1818 in Moscow, RussiaDied: March 13, 1881 in Saint Petersburg, RussiaKey Accomplishments: Alexander II earned a reputation for reform and a willingness to bring Russia into the modern world. His greatest legacy was the freeing of Russian serfs in 1861.Quote: The vote, in the hands of an ignorant man, without either property or self respect, will be used to the damage of the people at large; for the rich man, without honor or any kind of patriotism, will purchase it, and with it swamp the rights of a free people.† Early Life Alexander was born in Moscow in 1818 as the first son and heir of Tsar Nicholas I and his wife Charlotte, a Prussian princess. His parents’ marriage was, luckily (and somewhat unusually) for a purely political union, a happy one, and Alexander had six siblings who survived childhood. From birth, Alexander was given the title of Tsesarevich, which was traditionally given to the heir to the Russian throne. (The similar-sounding title tsarevich applied to any sons of a tsar, including non-Russians, and ceased being used by Romanov rulers in 1797). The upbringing and early education of Alexander was not one that seemed conducive to create a great reformer. Indeed, the opposite, if anything, was true. At the time, the court and political atmosphere was intensely conservative under his father’s authoritarian rule. Dissent from any corner, regardless of rank, was severely punishable. Even Alexander, who was the darling of his family and of all Russia, would have had to be careful. Nicholas, however, was nothing if not practical in the upbringing of his successor. He had suffered from a dull, frustrating education as a â€Å"spare† to the throne (his immediate predecessor was not his father, but rather his brother Alexander I) that had left him without any desire to take up the title. He was determined to not let his son suffer the same fate and provided him with tutors that included reformer Mikhail Speransky and romantic poet Vasily Zhukovsky, plus a military instructor, General Karl Merder. This combination led to Alexander being well-prepared and more liberal than his father. At the age of sixteen, Nicholas created a ceremony in which Alexander formally swore allegiance to the autocracy as the successor. Marriage and Early Reign While on tour in Western Europe in 1839, Alexander was in search of a royal wife. His parents preferred Princess Alexandrine of Baden and arranged for the twenty-one-year-old tsesarevich to meet her. The meeting was unimpressive, and Alexander declined to pursue the match. He and his entourage made an unplanned stop at the court of the Grand Duke of Hesse, Ludwig II, where he met and became smitten with the duke’s daughter, Marie. Despite some early objections from his mother and a long engagement because of Marie’s youth (she was only fourteen when they met), Alexander and Marie married on April 28, 1841. Although the protocols of court life did not appeal to Marie, the marriage was a happy one, and Alexander leaned on Marie for support and advice. Their first child, the Grand Duchess Alexandra, was born in August 1842, but died of meningitis at the age of six. In September 1843, the couple had their son and Alexander’s heir, Nicholas, followed in 1845 by Alexander (the future Tsar Alexander III), Vladimir in 1847, and Alexei in 1850. Even after Alexander took mistresses, their relationship remained close. Nicholas I died of pneumonia in 1855, and Alexander II succeeded to the throne at the age of 37. His early reign was dominated by the fallout from the Crimean War and cleaning up overwhelming corruption at home. Thanks to his education and personal leanings, he began pushing forward a more reformist, liberal set of policies than the iron-fisted authoritarianism of his predecessors. Reformer and Liberator Alexander’s signature reform was the liberation of the serfs, which he began working towards almost immediately after coming to the throne. In 1858, he toured the country to encourage the nobility – who were reluctant to give up their reliance on serfs – to back the reform. The Emancipation Reform of 1861 formally abolished serfdom throughout the Russian Empire, giving 22 million serfs the rights of full citizens. His reforms were not limited to this by any means. Alexander ordered the reform of the Russian military, from enforcing conscription for all social classes (not just the peasantry) to improving officer education to creating districts for more efficient administration. An elaborate and detailed bureaucracy worked to reform the judicial system and make the system simpler and more transparent. At the same time, his government created local districts that took on many duties of self-governance. Despite his zeal for reform, Alexander was no democratic ruler. The Moscow Assembly proposed a constitution, and in response, the tsar dissolved the assembly. He fervently believed that diluting the power of the autocracy with representatives of the people would destroy the populace’s quasi-religious view of the tsar as a divinely-ordained, unquestioned ruler. When separatist movements, particularly in Poland and Lithuania, threatened to erupt, he suppressed them harshly, and later in his reign, he began to crack down on liberal teachings at universities. However, he supported efforts in Finland to increase its autonomy. An assassination attempt in April 1866 may have contributed to Alexander’s shift away from his earlier liberal reforms. Assassination and Legacy Alexander was the target of several assassination attempts, including the one in 1866. In April 1879, a would-be assassin named Alexander Soloviev shot at the tsar as he walked; the shooter missed and was sentenced to death. Later that year, other revolutionaries attempted a more elaborate plot, orchestrating a railway explosion – but their information was incorrect and they missed the tsar’s train. In February 1880, the tsar’s enemies came closer than they ever had before to achieving their goal when Stephan Khalturin, from the same radical group that bombed the train, managed to detonate a device in the Winter Palace itself, killing and wounding dozens and causing damage to the palace, but the imperial family was awaiting a late arrival and was not in the dining room. On March 13, 1881, Alexander went, as was his custom, to a military roll call. He rode in a bulletproof carriage gifted to him by Napoleon III, which saved his life during the first attempt: a bomb thrown under the carriage as it passed by. Guards attempted to evacuate Alexander quickly. Another conspirator, a radical revolutionary named Ignacy Hryniewiecki, got close enough to throw a bomb directly at the fleeing emperor’s feet. The bomb horrifically wounded Alexander, as well as others in the vicinity. The dying tsar was brought to the Winter Palace, where he was given his last rites and died minutes later. Alexander left behind a legacy of slow but steady reform and began the modernization of Russia – but his death stopped what would have been one of the biggest reforms: a set of planned changes that Alexander had approved and spoke of as a step towards a true constitution – something Romanov rulers had always resisted. The announcement was set to be made around March 15, 1881. But Alexander’s successor chose instead to retaliate for the assassination with severe setbacks to civil liberties, including arrests of dissenters and anti-Semitic pogroms that would last for the rest of the Romanov era. Sources Montefiore, Simon Sebag. The Romanovs: 1613 – 1918. London, Weidenfeld Nicolson, 2017.Mosse, W.E. â€Å"Alexander II: Emperor of Russia.† Encyclopaedia Britannica, https://www.britannica.com/biography/Alexander-II-emperor-of-RussiaRadzinsky, Edvard. Alexander II: The Last Great Tsar. Simon Schuster, 2005.

HSBC bank regulations Assignment Example | Topics and Well Written Essays - 750 words

HSBC bank regulations - Assignment Example Regulation in the banking industry is referred to financial regulation, which means a regulatory framework for maintaining integrity of financial systems in different countries and regions (Samuels, et al., 2005). Hong Kong and Shanghai Banking Corporation (HSBC) is one of the leading banks on the global scene with its headquarters based in London, United Kingdom. The bank operates in over 87 countries across Europe, Hong Kong, the US, Australia and the Asia Pacific region (Samuels, et al., 2005). The bank offers a wide range of to its clients including corporate investment banking, personal banking services, commercial banking and markets private banking. The bank has experienced considerable growth in terms of share price and the bank is also the third largest banking corporation in terms of asset ownership. The main competitors of HSBC bank are Barclays bank and the Royal Bank of Scotland (Christopher and Robert, 2006). HSBC bank operates in about 87 countries representing different jurisdictions with different sets of legal structures and financial laws. The bank’s global structure is subject to regulation from the different regulatory organizations in each jurisdiction to operate (Christopher and Robert, 2006). Different sets of laws have had different impacts on the bank over the years and have helped to shape the current structure of the bank in terms of the services offered and its organizational structure. The regulation environment of the HSBC bank affects the banks human resource management strategy, business strategy and customer relationship strategy. The bank has had to conform to different regulations over the years due to changes in the political environment of different countries in which the bank operates (Samuels, et al., 2005). Following the global financial crisis of 2007, several banks including the HSBC bank were affected adversely and had

Support Sector Coursework Example | Topics and Well Written Essays - 250 words

Support Sector - Coursework Example Some examples of these organizations include the faith-based organizations that offer support to the unfortunate through training, housing, food and provision of education (Paula, 2014). They also operate community health centers, afterschool programs for kids and care for the aged. Some organizations also engage in music and art to change lives of others. They train and nurture young talented people in music and art (Shauna, 2015). The key role of support organizations is to provide services to people. The services of each support organization are clearly determined by its mission and objectives. As a non-profit making organization, all the activities that Support organizations engage into are usually aimed to improve the welfare of the community they serve. Some of these organizations specialize in training of personnel, advocacy, activism and running of community-based projects. To manage these organizations in a good way, there is usually a need for one to understand their organizational structure, personnel management, environmental concerns, funds requirement, the organizations mission, as well as how the organization will be planned and evaluated. For purposes of communication channeling, organization structure should be done appropriately. This is done with a clear mission statement of the organization in mind. It should be well understood that there will be a requirement of funding to the organization. Therefore, issues dealing with fund collection and management will be very important. To manage the funds and the organization, there is a critical requirement of personnel; their selection and management will, therefore, become critical. To know how the organization is performing, there is also be a need for a proper planning and evaluation sector setup for the

London Street Photography Exhibition Photography Essay

London Street Photography Exhibition Photography Essay This exhibition shows images of London streets taken between 1960 and 2010, some of them come from the museum archives and was not exhibited before at such a scale. Exhibition takes place in a couple of rooms in the lower level. The main exhibition space takes two rooms to the side showing films about street photography. The images are displayed in chronological order around the room, as we go feather faded sepia images stands out to our eyes as we go along they loosing they grainy quality, the moving objects becoming less blurry and they change to black and white photographs. As we progress to the end of exhibition photographs transform into colour images. An introduction show us a short film which include a interview with Paul Trevor who took photographs of the East End between 1970s and 1980s that were a high points of the exhibition. Over 60 photographers shown their work starting with Valentine Blanchards who were born in Wisbech, Cambridgeshire in 1831.His photograph taken in 1860 of Covent Garden Market where man in a hat is caught looking at vegetables while behind him world continues in its busy way. Looking at this image is giving you a feeling of turning back in time, stopping for a while and think about yourself and all those years that passed. Really calming effect I would say. There were images of Terry Spencer who shot skinheads frowning at hippies in Piccadilly Circus. Another image of couple walking down the street in anticipation, it is beautiful proof that out there somewhere it always be a moment to be caught .For example when child looks up and smiles or a person sitting alone on the bench in the park. This British capital, wrote Henry James, is the particular spot in the world which communicates the greatest sense of life; there is nothing one cant study at first hand. Roger Mayne sought to record a way of life in North Kensington before it was redeveloped in 1960s. His images often looked at the use of the streets as social space. The photograph that caught my eye is the image of two men walking down the Latimer Road caring shopping and just drifted away with their minds completely not aware of the photographer. I like that the image is in greyscale which makes it stand out more because you get that feeling of time and how the viewer perceiving the convening message. The framing and the location show us that Roger Mayne dedicated himself to describe life on London working class people and streets. Other photograph of Tom taken in Trafalgar Square in 1970 involved simplification of black and white and freezing the moment in time. Other of his picture included in exhibition is picture of children playing cricket in Notting Hill. As Roger Mayne said himself I went to South London and I saw, in the distance, a bombed building with a lot of children pl aying in it, so I thought that might be an interesting subject. So I walked towards this building and when the children saw somebody with a camera they immediately stopped this fascinating thing, whatever they were doing which intrigued me, so they all came out and wanted their photograph. You used to get this cry, please take my photo Mister. As you move around the place you witness capital developing and changing across a century. Some of the locations appears a couple of times and as you follow you can see that they are becoming more and more as they are today. Different elements pops up, the number of non white faces increase, style of clothes becoming more similar to what we are wearing today and we notice that British culture is influenced more and more by brands and trends from United States. Really interesting for me were the images of racial tensions in 1970s but the photograph of white woman kissing a black man, photograph by Charlie Phillips, seems to improve the relations between immigrants and Londoners. I noticed that photography drastically changed across the exhibition. Since the innovations in technology cameras were getting smaller and exposure faster we could notice how the photographers approach changed relating to the subject. Furthermore the subject matter also changed specially in the war period as artists changed their focus from capturing streets to highlighting the London inequalities. After that noticeably compositions approached changed due to emigrating people from Europe who brought new modernist style with them. That style moved back and forward since 1960s and which quickly were displaced. What amazed me the most were the techniques used to produce the image. The street photographer often needs to get his shoots quickly and secretly that push him to compromise in technique. We can find photographers that do this, by intentionally heighten contrast and grain, emphasizing the grittiness of that street which in my opinion did not look amusing at all. However in whole exhibition you could find beautiful pieces in deed. For example George Reids photographs shot with plate glass camera showing an amazing control of depth of field and exposure with carefully planned and examined shoot of the scene. Moving into colour which is delayed and does not become obvious after us past 1980s because people belief that greyscale images are more successful for documentary storytelling as a medium. The image taken by Bob Tapper called Two children looking out of a window in Fieldgate Mansions ;1986 draw my attention straight away because of that children they looked like they are prisoners of their own house. For a while I felt sad but then I realised that they are actually happy. I do like framing in this image and how photographer emphasizes his point of view standing up and taking picture from that level. Also the writing on the wall matches the subject matter as we do not know if they having a mum or they are orphans. The fact that window is just on the footpath level makes it more abstract how the kids looking out of a window. Further I found interesting photograph of Stephen McLaren called Dog, Big Ben taken in April 2007 .It is a shoot of a dog jumping in the air and captured next to Big Ben on beautiful cloudless sky .What makes the dog look really big almost the size of the Big Ben is the way how it was captured pushed me to think how much you could do when you actually looking around. Also how important is approaching your subject in a way how you want to display your work to the viewer. The last photograph that I will talk about that grabbed my attention was the image by Marco Fiori Metro London Street Photography winner, 2011.The image shows interesting contrast of red and black and it captured the spontaneity of a perfect moment. Overall the exhibition show how London changed around its residents to become a city as we see it today. The down side of the whole experience was queuing for an hour and allot of people shuffling around the small room briefly looking at a succession of the prints which we re A4 size or smaller. Also a short description was hanged almost at the ankle level what was real struggle to read. To summarise the exhibition provides the facts that street photography is no longer alive but its shows that is still relevant in todays world.

Hiv Routes Of Transmission Health And Social Care Essay

Human immunodeficiency virus HIV is a lentivirus from retrovirus household that causes a HIV Infections in worlds which alters the immune system in a really terrible manner. HIV causes Acquired immunodeficiency syndrome ( AIDS ) at the last phase of the infection. The virus attacks immune system which makes people much weaker in contending against infections and assorted terrible diseases1. The chief focal point of this virus on human cells is to destruct the CD4 positive T Cells of the organic structure ‘s immune system. Destruction of CD4 positive T cells makes it worse for the immune system to contend against the infections, which allows life-threatening timeserving infections and more wellness jobs which may take to decease. Human immune system consists of of import cells which are being destroyed by HIV. This leads to moo CD4 count which in bend makes the human organic structure weak in contending against the infections2. HIV is found in the blood, chest milk, seeds and vaginal fluids of an septic individual. The virus is transmitted from one individual to another through blood to blood and sexual contact. HIV Infected individual ‘s Saliva with blood or any other organic structure fluids can be harmful and infective. HIV can be transmitted in different ways, such as sexual intercourse, blood transfusion, and besides contaminated subcutaneous acerate leafs. In the UK, the most common manner of acquiring HIV is by unprotected sexual intercourse with a individual who is HIV positive. It has shown in the UK statistics 2010 from the Health Protection Agency that 95 % of those diagnosed with HIV Positive due to sexual Contact. This shows that bulk in the UK get infected by HIV is through sexual intercourse which includes vaginal, anal and unwritten sex. This virus enters through the blood stream in different ways like lacerate tegument, oral cavity and eyes liners, and besides through the thin liner o f the anus and genitalias. HIV is non transmitted from an septic individual through caressing, caressing, ptyalizing, sharing bath towels or cutter, utilizing the same swimming pool and oral cavity to talk contact1. From the recent study, it has been shown that the following groups of people are at higher hazard of HIV infection which includes people who are shooting drugs, sex workers every bit Wellss as work forces holding sexual intercourse with men3. There are assorted methods to forestall HIV Transmission in our community through avoiding activities that leads you to dangerous jobs, such as unprotected sex and sharing septic acerate leafs and other assorted shooting equipments1, educating and reding people with HIV positive by the doctors and supplying them the best intervention so that to forestall HIV transmittal in general4. Current UK guidelines on HIV purpose to increase HIV proving in all health care sectors to diminish the sum of undiagnosed HIV infections. It is suggested that HIV trial should be offered to general populace in some sectors and besides to high hazard people in other different sectors ( for illustration, general pattern ) . The Department of wellness ( DH ) asked the National institute of wellness and clinical Excellence ( NICE ) to develop public wellness counsel to increase HIV proving between work forces who have sexual connexions with work forces to cut down undiagnosed infection and besides to forestall HIV transmittal. HIV Testing is one of the most of import factors which helps and guides the full community in UK through reduced HIV transmission5. Harmonizing to the statistics sing HIV, 6000 to 7000 people are diagnosed HIV Positive each twelvemonth in England. This is an of import factor to inquire the full community to concentrate and get the better of this job. Hence, encourage people to prosecute in different methods to forestall HIV transmittal and salvage the community in general with supplying proper consciousness sing HIV6. One of the most effectual ways to forestall HIV transmittal is through sex that is abstain from sex is the surest method to forestall HIV. If you decide to hold sex so acquire tested foremost to avoid HIV transmittal between you and your partner7. Use of rubber right in sexual activity is the most of import and advantageous point to halt the HIV spread and other infections which are sexually transmitted at every individual clip you have acute sex. Condoms are being marketed in different types of colors, forms, texture and spirits. Male rubbers are made up of latex or polyurethane and female rubbers are besides known as FC2, which is used for vaginal sex only7. Second, usage of merely water-based lubricators can increase sexual pleasance every bit good as safety, merely by adding wet to the vagina or anus during sexual intercourse. Lubricants decreases the hazard of vaginal or anal cryings which can be caused by waterlessness and besides it protects the rubber from rupturing off durin g sexual activity1. Third, usage of dental dike reduces hazard of sexually transmitted infections. It works as a wall between the oral cavity and vagina during unwritten sex. Fourthly, avoid utilizing septic acerate leafs, panpipes, or spoons which can expose you to HIV and other viruses which are found in the blood1. Pharmacological Prevention of HIV transmittal is through medical specialties and there are different methods used in forestalling its spread. Antiretroviral therapies ( ARTs ) are used to handle HIV, which prevents viral spread in the organic structure. A combination therapy of antiretroviral or extremely active antiretroviral therapy ( HAART ) is used for the effectual bar of HIV reproduction and transmittal in the organic structure. CD4 count and viral burden blood trial are two of import factors which help the physicians to make up one's mind on the intervention of that peculiar patient. Treatment is normally starts when the individuals CD4 counts shows below 350, irrespective of their presence or absence of their symptoms1. Harmonizing to WHO guidelines, it states that ART inductions are really good in forestalling HIV every bit good as clinically, they are more powerful in handling HIV positive patients, when the CD4 count is less than 350 cells/mm3. Viral burden plays the major function in HIV transmittal as it is one of the highest hazard factor in this scenario. When the viral burden is less than 1500 copies/mm3, the hazard of conveying HIV is about nothing as suggested by recent surveies. Evidence shows that the viral burden degrees are decreased by ART, hence bounds HIV transmittal depending on individual ‘s HIV position. WHO guidelines shows that they are chiefly engaged on extinguishing HIV and they strongly suggest that the usage of ART protects the full community which besides includes kids and pregnant adult females by handling and forestalling them from the spread of HIV8. There are different groups of ART medicines to forestall and handle HIV infection1. Virus attaches to the host cel l whereby it fuses with the host cell membrane. After the incursion into the host cell, the outer coat of the virus is removed and familial stuff and an enzyme released into the host cell, which is called rearward RNA polymerase, which converts viral RNA to viral DNA, so viral DNA penetrates to the host cell nucleus where by two procedure takes topographic point which includes written text and interlingual rendition takes topographic point which leads to bring forth new virions through peptidase enzyme2. Different antiretroviral medical specialties holding different mark but with one purpose, that is to suppress viral reproduction. Rearward RNA polymerase inhibitors are of two types that includes nucleoside contrary RNA polymerase inhibitors and non-nucleoside contrary RNA polymerase inhibitors. NRTIs are defective constructing blocks of Deoxyribonucleic acid when they are incorporated into HIV DNA, hence blocks the viral reproduction procedure, by non finishing the Deoxyribonucleic acid Chain. NNRTs bind to the enzyme contrary RNA polymerase and suppress the procedure of viral replication2. NNRTs are used in the intervention or HIV-1 but it is seldom used for HIV-2 in the UK9. Protease Inhibitors are inhibits the procedure of production of viral stuff through interfering with the peptidase enzyme. In the UK, Protease Inhibitors are Entry Inhibitors are inhibitors involved in barricading the virus to adhere with the host cellular membrane that lead to the obstruction of virus into the host cell. Integrase inhibitors are involved in barricading the procedure of integrating of viral familial stuff into the Host D NA by suppressing integrase enzyme. Microbicides are chemical and pharmacologic substances that are used for destructing some micro-organisms that cause terrible jobs to worlds. Many compounds are being produced and tested their effectivity against microbicidal activity in clinical tests. These merchandises are being produced for vaginal every bit good as rectal applications to protect from HIV infections and other sexually transmitted diseases. Presently, scientists are working on this undertaking in developing microbicides for forestalling HIV transmittals and heighten the degree of patient safety12. Post-exposure prophylaxis ( PEP ) is ARTs used after the exposure like occupational injuries10 or sexual exposure11 to forestall HIV infection. PEP medicines are non yet proved every bit good as unlicensed in the UK. They are merely supported by experimenting on animate beings. Besides, there are ongoing surveies for pre-exposure prophylaxis where it includes antiretroviral drugs before the exposure to HIV2. Another preventative step against HIV is through Vaccination procedure. Presently, HIV Vaccine is non available but it is one of the on-going research at a really early phase to bring forth effectual HIV Vaccine into the market so that to protect the full community against HIV infection. Since 1990, surveies have shown that the HIV spread from female parent to kid has been increased every twelvemonth. The Department of Health policy proposing that an HIV Test to be carried out in each and every pregnant adult females and has shown that it has addition consciousness in adult females prior to bringing and it has shown that more than 80 % of the adult females are cognizant in London, 2001 every bit good as it has reduced the figure of babies being infected in the UK13. Antiretroviral interventions ( ART ) are being used in gestation to forestall HIV transmittal from female parent to child. It is suggested that if you are HIV Positive so do non breast feed your kid, as virus transmittal can happen through chest milk1. Overall guidelines and counsel of antiretroviral therapy are being provided to forestall transmittal of HIV from female parent to child14. Pre-exposure prophylaxis ( PrEP ) in HIV protects healthy people from HIV infection. Current surveies and clinical tests are in the procedure of developing of PrEP to forestall transmittal of HIV. Surveies have shown a lessenings hazard of HIV infection among animate beings that are exposed to ARVs. PrEP has shown its effectivity in â€Å" humanized † research lab mice in the survey which was conducted in 200715 and besides, ARVs are given to female parents and babies to cut down HIV transimmsion16. The PrEP research surveies uses the drug called tenofovir that is delivered by unwritten path or topical path. It has shown in the four clinical tests that it reduces the hazard of acquiring HIV infection but in the two tests have shown no good response. As of today, there are two on-going surveies that have non yet published their findings on the consequence of HIV transimmision. There are many challenges in relation to safety and effectivity of PrEP inventions. Besides combinatio ns pill called TruvadaA ® ( Tenofovir and Emtricitabine ) which was accepted by the U.S. Food and Drug Administration ( FDA ) for the intent in HIV intervention in 2004. Truvada, as a PrEP was approved by the FDA in July, 2012 for forestalling from HIV transmittal. Powerful research grounds shows that the PrEP is safe and effectual when used systematically for diminishing the hazard of acquiring HIV sexually17. In Conclusion, it can be said that there are different paths of HIV transmittal and besides several methods are available to forestall its transmittal. Currently, many surveies are â€Å" traveling on † to develop new merchandises to forestall and handle HIV patients efficaciously with decreased hazard involved. Besides, public consciousness play a immense function in HIV bar by educating them through assorted resources like chew the fating with them or telephone conversations or supplying proper information on HIV transmittal with its badness. Harmonizing to the recent results of HIV transmittal in the UK, there are assorted factors must be followed by the general populace so that cut down the figure of people by acquiring infected through acquiring sex instruction, attachment to medicines and to avoid unprotected sex or work forces to work forces sex. This can take to healthy long life of our patients and diminish the figure of morbidity and mortality. Centres for Disease co ntrol and Prevention stated that about 50,000 people are freshly infected with HIV in the United States each year.18 From the estimations it shows that HIV is one of the terrible issue in our community which can take to decease as it is easy transmitted. Hence, Prevention of HIV transmittal is the most good factor to salvage our community with development of new merchandises which have different pharmacological marks to avoid opposition of the Drug.

Narcissistic Leaders Essay

Big business today can be largely attributed to CEOs and leaders that are narcissistic. These leaders tend to be the center of attention more so now days then they used to be which is something a narcissistic person enjoys. Narcissists have been in business for a long time and have made great strides. People such as Andrew Carnegie, John D. Rockefeller, Thomas Edison, and Henry Ford were narcissists that were very successful business men. Narcissism may have been a good trait to achieve a high status in business but it can also make the person dangerous or not very likable. Heinz Kohut and Freud looked deeper into the theory and found that it could be treated by properly trained clinicians. Jack Welch and George Soros are prime examples of people who are what is called a productive narcissist; they strive to make a difference in the world and make a name for themselves. But narcissism can be bad enough that you believe that things are out to stand in your way of achievement and therefore you trust no one. Narcissists can sometimes become overly ambitious and shoot to high which can cause them to end up losing everything. Gyllenhammar is a prime example, he chose to not listen to anyone and found himself in court being forced to resign. Freud narrowed the main personality types down to erotic, obsessive, and narcissistic. Those with an erotic personality need to be loved by others that is the most important element of life to them. These types of people tend to be teachers, nurses or social workers. At their best, they help better the young and are a big help when working. They have a positive effect on those around them in the workplace. Freud referred to them as outer directed people. Freud referred to obsessives as inner directed. They are very in tune with what is going on and look to themselves to resolve conflicts. They are obsessed with improvement when working because by nature they value moral improvement over everything else. They tend to go into a field of work that spurs their interest but they don’t have what it takes to go from slightly above average to amazing. At their best they shoot high, and do what is necessary for the business to succeed. When productive they work well with others but when unproductive they usually don’t succeed. Narcissists are very self-indulged and don’t care much for others. When it comes to business they know their field inside and out and go above and beyond. Narcissists are extremely hungry for knowledge about their business. They desire to be admired by others but not necessarily loved. Maccoby (2000) states that unlike obsessives, they are not troubled by a punishing superego, so they are able to be very aggressive in pursuit of their goals. Maccoby (2000) goes on to say of all the personality types, narcissists run the greatest risk of isolating themselves at the moment of success. And because of their independence and aggressiveness, they are constantly looking out for enemies, sometimes degenerating into paranoia when they are under extreme stress. Obsessives as leaders tend to try and expand on a safe level that is practical and likely to benefit the company. Narcissists want more, they go all out and take big risks that if they work as planned will greatly benefit the business; but it is not as likely to work. Narcissists may hide it well but they feed of f of praise and recognition of followers. Without that admiration narcissists become overwhelmed, but too much admiration can cause them to feel too superior this can lead to dangerous acts that may be detrimental to the business. Narcissists can’t handle criticism; they remain out of tune with their emotions as much as possible. Due to the fact that narcissists can’t deal with being criticized they tend to completely ignore negative comments toward them. Narcissists also have no compassion what so ever. They can perform acts that may anger or sadden someone without any remorse. They are so independent that they don’t like to mentor anyone or be mentored. Competition is a narcissist’s forte; they get so into it that they would do almost anything to be the best. A trust-worthy sidekick has to be someone they can relate to and keeps him down to earth. They believe that everyone around them should think the same thing that they do even if it involves brainwashing. They are control-freaks, and want to know everything that’s going on at all times. These productive narcissists make good leaders by nature but the rest of them sometimes can’t see their limitations and will end up in trouble. Maccoby (2000) sums this altogether with for companies whose narcissistic leaders recognize their limitations, these will be the best of times. For others, these could turn out to be the worst.

Analysis Of Joseph Conrad s Heart Of Darkness And The ...

In Joseph Conrad’s Heart of Darkness and V.S. Naipaul’s The Mystic Masseur, the concept of modernism is established through two supporting characters, both of which have only brief physical interactions with our protagonists. Kurtz, from Heart of Darkness, and Mr. Stewart, from The Mystic Masseur, both represent the idea of modernism through both their beliefs and their actions, in a time when modernism was finding its footprints and was viewed differently to those foreign to the movement. Although these novels take place in very different locations, they take place during a similar time period; the early 20th century. The modernist movement â€Å"flourished between 1900 and 1930† and emphasized the idea of deviating from the norm, including the rejection of religious principles, artistic freedom, and looking beneath the surface of man to find where our creative energy comes from, to reinvent how it can be utilized. Both Kurtz and Mr. Stewart may have been deemed as outsiders in their respective stories, but we begin to see their modernistic values and how they come to affect their respective novels over the course of time. Throughout Heart of Darkness, hints of Kurtz’s modernistic values are slowly given to us, but the true revelation comes towards the climax of the novel. Our protagonist realizes that Kurtz has the skulls of dead Africans on the tops of stakes in his compound. Kurtz’s disciple also defends this action, and we begin to get a sense of the