Wednesday, September 2, 2020

The Outsiders :: essays research papers

The Outsiders by S.E. Hinton Distributed 1967 Distributed by: Puffin Books Type: fiction The book The Outsiders is the reasonable anecdote about this between two altogether different gatherings in a town in the United States: the poor Greasers from the east side, and the Socs, whitch is the thing that the greasers call the socials, the more extravagant young men from the opposite side of the town. Ponyboy Curtis is the storyteller of the story, a 14-year-old kid who lives with his two more established siblings, Darry and Soda. He is an entirely decent competitor and understudy, however isn't dealt with equivalent to the more extravagant understudies at his school. Ponyboy uses to have long hair that he oils back, an image of being in the outcast posse. He is discontent with his circumstance, in light of the fact that Darry is excessively defensive of him and he generally must fear Socs assaulting him. One night Pony and his closest companion Johnny are assaulted by a gathering of smashed Socs. At the point when one of the Socs attempts to suffocate Pony, he goes oblivious and when he awakens, he sees that Johnny has slaughtered one of the Socs. The two young men choose to go to their companion Dally; he gives them cash and bearings to a congregation in the nation. There they cover up out for a taxing week, and after it Dally comes to discover them. Subsequent to eating, they come back to the congregation and see that it has burst into flames. A gathering of kids are stuck in the consuming structure. Horse and Johnny don't stop for a second and hop in to spare the youngsters, Pony gets out alright however Johnny is hit with a bit of falling wood and genuine consumed. The young men show up in the news as saints, despite the fact that they are as yet needed for killing the Soc. Horse is fine, however Johnny is gravely stung. Sooner or later, there is a major battle between the Grease rs and the Socs. The Greasers win, yet when Dally and Pony go to disclose to Johnny that they won, he bites the dust during their visit. Tarry is annihilated by this and later he considers Pony to reveal to him that he ransacked a store and is being pursued by the cops. They rush to meet him, and see him shot down after he threatens to use a weapon on the police. Horse is terrified by what has occurred, and persuades himself that he, not Johnny, slaughtered the Soc.

Saturday, August 22, 2020

Does Media Ownership Need To Be Regulated Media Essay

Does Media Ownership Need To Be Regulated Media Essay In this task am planning to address three principle reasons the way how media proprietorship must be directed in advanced age. The two points are will centers around the European Union as far as media proprietorship guideline, for example, to secure opportunity of articulation and the reasonable guideline of media and media possession to guarantee high caliber, unprejudiced communicates lastly, a worry to the general population is the assurance of protection. Our lives, our regular decisions, our desires (objectives) our ceaselessly evolving qualities, are continually molded by the media in the entirety of its structures. For the last 40 to 50 years, we have seen TV command, and here in the UK, we have gone from a virtual restraining infrastructure to a circumstance where we approach boundless measure of TV channels. In the UK, and most nations, the presentation of guideline of media and media possession has been a necessity which is unavoidable. In a free society, one significant point is to guarantee that every medium configuration, radio, TV, papers, have bunches of players inside the commercial center. A specific media advertise with heaps of players, and not only a couple of significant players is supposed to be plural or in a condition of majority. Governments in free social orders mean to guarantee that guideline of media proprietorship guarantees this majority. A few governments have such rigid laws which imply that media proprietors think that its difficult to work in a free manner, so organizations are restricted regarding development and developing in a characteristic manner. Governments need to mull over that rules of media possession don't keep down organizations along these lines, and subsequently guideline must mean to adjust among majority, and permitting organizations to convey t heir media without such a large number of laws that hinder free reasoning, inventiveness and quality. Current media guideline inside the UK created from guideline initially focused on printed structure. Soonest guideline was lacking and included papers just clinging to specific laws and not encroaching those laws, for example, criticism and so forth. As of late the paper business as its own set of accepted rules, and is supposed to act naturally controlled. Some would see self-guideline as just in light of a legitimate concern for media proprietors, and not really in light of a legitimate concern for people in general and private existences of people inside the general population. Media is experiencing such a pace of progress, its been depicted as a media upset, or advanced upheaval and were supposed to be in the data age. Change is so quick, and proceeding with that guideline is under strain to stay aware of these new configurations. For example, as Doyle (2002:150) depict in her book; wide band Internet advancements achieve the chance of traditional TV, yet in addition intelligent TV, sitting nearby your home PC organize. Expanding quantities of gadgets are presently ready to stream media into the home through these broadband suppliers, for example, link or DSL innovations. This change is around the world, influencing all nations somewhat, even the most unfortunate underdeveloped nations approach in spots to these advancements, regardless of whether its a little more slow on the update than somewhere else. At the point when various media types can use a similar mechanism of transmission (The Internet), we know this sharing of the medium as combination. Joine d Media is both extraordinary, however is a cerebral pain for controllers work-wide. As new types of media created after some time, for example, radio, TV, and all the more as of late the Internet, guideline has needed to create with it. As of now guideline of these new types of media in the UK is done by a body called Ofcom. In Ofcoms own words:- Ofcom is the correspondences controller. We direct TV and radio, fixed line telecoms and mobiles, in addition to the wireless transmissions over which remote gadgets work. All types of media permit us as a general public to stir things up, provoking the administration to improve the situation for its residents, and battle against debasement. Laws permit governments to edit the printed media effectively, yet its not all that simple to control more current types of media, for example, the Internet. All through the world, its been anything but difficult to direct customary types of media which incorporate those referenced, TV, radio, magazines, papers books, yet governments are confronted with the trouble in guideline new media which is currently global, sites, Internet radio. By what means can one nation manage media possession in different nations, in light of the fact that the Internet empowers anybody to get media made in different countries? While guaranteeing majority has been centered around printed media, to guarantee residents get a wide assortment of perspectives from media, the idea of the Internet itself is plural, in my view, more accentuation in future must be put on managing media possession on a worldwide scale, however this is a dubious view. As of late we have seen nations, for example, China put cover bans on their residents seeing an enormous number of locales on the Internet. These are draconian measures, yet shows what lengths a few nations may go to uphold their own types of restriction. The European Union has a mandate which is a nation of starting point rule for the arrangement of on-line administrations (data society administrations). This mandate guarantees that guideline of the Internet is implemented at the nation of beginning, and not the nation that people in general may see the substance. This has evident troubles, in light of the fact that lone certain universally concurred laws, for example, youngster pornography are upheld comprehensively. The issue emerges when one nation has distinctive social qualities and social practices to another. For example one nation can have exceptionally open perspectives on grown-up sex entertainment to anothers, and their laws will be limitlessly extraordinary in this regard. The EUs nation of birthplace direct keeps the nation of goal from applying its own laws to the media suppliers nation of roots media proprietor. Local controllers can't make a difference their principles to another part states media proprietor (approaching administrations). Then again controllers should likewise apply their own standards to residential media proprietors who gracefully media to residents of another part state (active administrations). It follows that in the event that guidelines got to guarantee media proprietorship is plural, at that point the yields of the media ought to similarly additionally be plural by their very nature. For instance, we can utilize satellite TV: If a nation permits both local and universal TV communicates to be gotten by its residents, at that point this guarantees there are various perspectives, convictions and social qualities yielded; subsequently essentially this medium is plural. Stricter governments and systems imply that tight controls on media proprietorship implies exacting and more tight media yield. Returning to printed medias in the UK, for example, papers, laws or demonstrations of parliament, are utilized for control of media proprietorship. The administration utilized the Fair Trading Act 1973 to control how possession and takeovers are led. Also the Broadcasting Act 1996 was utilized to manage cross-media possession, and forestall the predominance of one organization over the range of media. The administration must be associated with guaranteeing assorted variety in yield, through the control of possession. I feel that its significant guarantee rivalry inside the market utilizing laws that control possession along these lines, guaranteeing guideline for majority can be accomplished through control of proprietorship. A most dire outcome imaginable if whereby one organization, state Rupert Murdochs paper industry gets so solid that it can transform say news into a restraining infrastructure; this would imply that Murdoch would have the option to control who gets casted a ballot into government, what we by, marry just will in general go for specific brands. An imposing business model would imply that the open intrigue was not being served, and marry persistently be misled in light of a legitimate concern for just that organization. In history we have seen where the control of all media structures can cause gore on a wide scale, as of late in Rwanda, Bosnia, and further back in the Second World War. So as to stop this occurrence once more, guarantee that media gives a reasonable, view, and guideline however business law through demonstrations of parliament will guarantee this is forestalled. The European Unions E-Commerce mandate appears to guarantee that on the European scale, the guideline of media proprietorship guarantees a wide assortment of media types and extra universally concurred laws on security, information insurance, and youngster erotic entertainment for example can be used to ensure residents where neighborhood laws are not satisfactory in this regard. The European Court of Human Rights (ECHR) has additionally executed laws on media possession, such Article Eight: Freedom of Expression. The multifaceted nature of broadcasting laws all through the world can be seen inside the EU, as the EU keeps on finding better approaches for guaranteeing that cross-outskirt news sources are controlled such that taking an interest countrys all have an influence in permitting opportunity inside a lot of rules that despite everything remains inside the open intrigue. These laws for cross-outskirt media types, for example, the Internet and satellite TV don't relate such a great amount to more established media types like papers and laws on media possession is left to singular part states to deal with. Its not all plain cruising inside Europe, on the grounds that there has been hardened restriction to laws that prevent Freedom of Speech and Freedom of the press. The European Union has thought of an EC order known as Television without Frontiers, which takes the consequence of the Convention on Trans-boondocks Television into current European Law on media possession. So we have seen that the two points of the European Union as far as media possession guideline are: To ensure opportunity of articulation The reasonable guideline of media and media possession to guarantee high caliber, fair communicates. The third point, which as of late has come even more a worry to people in general is the insurance of protection. Individuals ought to have some level of security in their lives, and locally papers have been permitted to attack someones protection on the premise that its in the open intrigue. Diverse membe

Laser Tattoo Removal Essay Example

Laser Tattoo Removal Paper My crowd will comprehend the historical backdrop of tattoo expulsion just as how cutting edge laser tattoo evacuation functions and the best contender for laser tattoo evacuation. Subject: Strategy: Explanation. Limited: (1) History of tattoo expulsion; (2) How laser tattoo evacuation works; (3) Laser tattoo expulsion results Ethos: Primary: I am an Aesthetician and work for Dr. Imprint Taylor. Tattoo evacuation is one of the most widely recognized laser medications we perform regularly at the Gateway Esthetic Institute.Secondary: I refer to various references in addition to photographs and a video of the technique being done (if time permits). Crowd Assessment: A choice of my crowd in all probability has had a tattoo or known somebody with a tattoo that they do not need anymore. I will additionally teach my crowd on the tattoo evacuation procedure and who the best contender for the method is. Adjustment to Audience: Many crowd individuals either have tattoos or have considered getti ng a tattoo, however what they aren’t mindful of is the way toward getting a tattoo removed.I will utilize pictures just as data from the dermatologist I work with to teach the crowd of what they can anticipate from the tattoo expulsion process. Opening Strategy (snare): Informative Key Word Outline: Laser Tattoo Removal Introduction Hook:It may have appeared to be a smart thought at first, yet years, months or even perhaps just a couple of hours after the fact the lament is settling in and you are asking yourself â€Å"what would i say i was thinking, getting a tattoo? † Maybe it’s he situation you are discontent with, or conceivable the shading or picture, whatever it might be making you reevaluate your â€Å"brilliant† thought, you aren’t alone. As indicated by WebMD it is assessed that near 10% of the U. S. populace has a type of tattoo, and in the end the same number of as half of them need it expelled. Fortunate for that half of individuals, with the new laser tattoo evacuation strategies, specialists can help individuals of any age free themselves of something that they no longer need on their bodies. I will currently clarify the history, procedure and symptoms and aftereffects of laser tattoo removal.Thesis: Most of us know the way toward getting a tattoo, however what we aren’t as acquainted with is the way toward getting a tattoo evacuated. I will clarify the history, procedure and reactions and aftereffects of laser tattoo evacuation. See: †¢ How tattoos were evacuated before laser tattoo expulsion was designed †¢ How does laser tattoo expulsion work †¢ What are the reactions and aftereffects of tattoo expulsion Transition: To investigate the long history of tattoo expulsion, I talked with dermatologist Dr. Imprint Taylor at the Gateway Esthetic Institute. Body: I.Dr. Imprint Taylor says that tattoo evacuation goes back to antiquated Egyptian occasions; anyway in current society, up until the most recent decade, tattoo expulsion was frequently difficult and left unattractive scarring. A. The accompanying tattoo expulsion forms occurred before laser tattoo evacuation came around. 1. Removing the skin containing the tattoo ink-which some of the time is as yet done if the tattoo can not be treated with the laser. 2. Dermabrasion Salabrasion-sanding/sanding salting of the skin-Historically this is the most widely recognized approach to evacuate a tattoo.The thought being to damage the skin and afterward applying aggravations to draw out the tattoo ink. A quickly turning precious stone fraise wheel or a wire brush 3. Laser vaporization-wearing out the skin 4. Substance strips B. Side effects of tattoo evacuation without a laser 1. Dermabrasion has a high danger of scarring and loss of ordinary skin color Severely agonizing 2. Danger of contamination 3. All techniques are excruciating Transition: Now let’s investigate laser tattoo expulsion. Laser tattoo expulsion was a t first performed with constant frequency when it was first discharged on the market.It was then changed to a Q-Switched Laser (what is at present utilized), which opened up in the 90’s. II. How does the laser really expel tattoos A. The site howstuffworks. com sums up how the laser tattoo evacuation process functions in basic terms. The article portrays that the laser works by delivering short beats of extreme light that go innocuously through the top layers of the skin to be specifically consumed by the tattoo color. 1. Laser Energy causes the tattoo shade to piece into littler particles 2.The particles are later tidied up by the body’s regular invulnerable procedure 3. Just color from the tattoo is focused with the laser-The skin encompassing the tattoo is safe 4. All things considered, most tattoos can be expelled in 5-15 center visits B. In spite of the fact that it’s called tattoo expulsion, totally evacuating a tattoo can be troublesome. On the off chance that you’ve set that sweet stanza of verse on your neck or chest in dark or red ink, you’re in karma. In any case, the itty-bitty tweedy-fowl tattoo on your foot or wrist in particular shades of green, purple or blue will be significantly more difficult. . Differs with the sort of tattoo, the shade of the ink, the thickness of the color, the size and profundity of the tattoo, and the body’s response to the treatment. 2. Dark ink is ordinarily the most straightforward shading to treat. Multi-hued tattoos, particularly those with yellow and other irregular hues might be hard to totally evacuate 3. Tattoos closer to the heart with expanded blood flexibly, react all the more rapidly to treatment 4. In the event that you are going back and forth about saying so long to your exes name on your shoulder bone, it might profit you to hold up a touch of longer.According to dermatologist Dr. Will Kirby and furthermore visitor star on LA Ink says, more seasoned tattooâ€⠄¢s are simpler to evacuate than shiny new ones. â€Å"Some individuals get a tattoo at 10 toward the beginning of the day and they need it expelled by 11, yet you’ve got the chance to hold up in any event a month and a half before your first laser treatment. † Transition: Now that we know about how laser tattoo evacuation functions, let’s examine the million dollar question, â€Å"does it hurt†, just as the pos-treatment contemplations. III. Does laser tattoo evacuation hurt? A. As indicated by Dr. Imprint Taylor, the effect of the vitality from the laser’s owerful beat of light has been depicted as like getting hot spots of bacon lubed on your skin or being snapped by a dainty elastic band. The quick heartbeats produced from the laser may feel diverse to every patient. â€Å"The tragic thing about tattoos is that both getting them and having them taken off can be awkward. † B. To additionally diminish the agony, the doctors suggest one of the accompanying choices: 1. Topical sedative cream applied to the zone an hour prior to treatment 2. Nearby sedative infused into the tattoo preceding treatmentC. What occurs after laser evacuation is performed 1. Promptly following treatment, the tattoo will have a whitish appearance, build up some growing, rankling, and may have pinpoint draining 2. Anti-infection balm and a gauze are applied 3. The treated zone will take around fourteen days to recuperate and will start to blur 4. You can look forward completing the excruciating system again in 4 two months D. Ordinarily the main genuine side effect’s to laser tattoo evacuation is fragmented expulsion of the tattoo just as the high cost of the treatment Conclusion:You may now ask yourself is getting a tattoo worth the cash and bother? It’s truly up to you. A few people truly make the most of their tattoos and save them forever, while others may lament that they followed up without much forethought and didn’t contemplate it before they got one. Presently you that you have a comprehension of the tattoo evacuation process you might have the option to settle on a more idea out choice, or on account of you previously having a tattoo you currently comprehend what goes in to getting it off! References: â€Å"Laser Tattoo Removal. † WebMD. 12 June 2012.

Friday, August 21, 2020

Goals of the monetary policy :: essays papers

Objectives of the financial approach Objectives of financial approach are to advance most extreme work, swelling (settling costs), and financial development. If business analysts trust it's conceivable to accomplish all the objectives without a moment's delay, the objectives are conflicting. There are constraints to financial approach. The expression most extreme business implies that we should attempt to hold the joblessness rate as low as conceivable without pushing it beneath what financial experts call the characteristic rate or the full-work rate. Pushing joblessness beneath that level would make expansion rise and in this way ruin the other target - stable costs, financial development, which is our destinations over the long haul. By and large money related steadiness will prompt a superior harmony between utilization what's more, sparing that will make assets accessible for speculation purposes, decrease changes in the economy made by the swelling previously, and by the responses of savers, just as encouraging high and maintainable monetary development; and contribute towards a financial specialist inviting condition that will pull in remote speculators to the nation. Proof has proposed that economies perform better, as far as development, work and expectations for everyday comforts, in low expansion conditions than they do at the point when expansion is relentlessly high. This proof is an examination over nations over significant stretches. The relationship between monetary execution, estimated by development of yield or development of efficiency, and swelling. This demonstrates a negative connection; that is, the higher the swelling, the lower the pace of genuine development. Proof recommending that low swelling advances development has propelled late choices by various national banks and governments, most quite Objectives of the money related strategy :: papers Objectives of the money related strategy Objectives of money related strategy are to advance most extreme business, swelling (balancing out costs), and monetary development. If financial specialists trust it's conceivable to accomplish all the objectives without a moment's delay, the objectives are conflicting. There are restrictions to money related approach. The expression most extreme work implies that we should attempt to hold the joblessness rate as low as conceivable without pushing it underneath what business analysts call the normal rate or the full-work rate. Pushing joblessness beneath that level would make swelling rise and in this way ruin the other goal - stable costs, monetary development, which is our targets over the long haul. By and large money related steadiness will prompt a superior harmony between utilization what's more, sparing that will make assets accessible for speculation purposes, lessen changes in the economy made by the expansion previously, and by the responses of savers, just as cultivating high and supportable financial development; and contribute towards a financial specialist cordial condition that will draw in outside financial specialists to the nation. Proof has recommended that economies perform better, as far as development, business and expectations for everyday comforts, in low expansion situations than they do at the point when expansion is relentlessly high. This proof is an examination over nations over significant stretches. The relationship between monetary execution, estimated by development of yield or development of efficiency, and expansion. This demonstrates a negative connection; that is, the higher the expansion, the lower the pace of genuine development. Proof recommending that low expansion advances development has propelled late choices by various national banks and governments, most remarkably

Leadership in One Flew Over The Cuckoos Nest and Leadership in the Rea

Authority in One Flew Over The Cuckoo's Nest and Leadership in reality The subject of initiative in the ward doesn't reflect the outside world precisely, as in contemporary society a pioneer of a general public or an association is quite often responsible to an individual senior to him. This isn't found in the novel, as Big Nurse is by all accounts liable to nobody, indeed, it is doubtful that everybody answers to her. A chain of command or class framework works inside the ward which can be obviously observed over the span of the novel. Patients living inside the ward are ‘classed’ as per the condition of their emotional well-being or to the state of which they experience the ill effects of. Boss portrays the strategy for separating patients from each other: ‘Across the room from the Acutes are the Chronics†¦ Not in the clinic, these, to get fixed, yet to keep them strolling the streets†¦Ã¢â‚¬â„¢ (17) Patients are partitioned into two classes of Acutes and Chronics: Chronics are those patients who have a condition which is untreatable, ’machines with imperfections which can't be repaired’ (17) and must be controlled with clinical strategies. They will spend the remainder of their lives inside the ward of the emergency clinic. Patients who are viewed as being probably going to recoup from their ailment, and will come back to society. Acutes are those patients for example Harding, who are viewed as being probably going to recuperate from their sickness, and will come back to society. Chronics can either have full utilization of their bodies or can be again sub-ordered into Wheelers and Vegetables; Those whose development is weakened to such a degree, they can just move by being pushed around in wheelchairs. Vegetables are patients who, through extreme ECT ‘Shock Shop’ (18) or through t... ... the guidelines. Albeit numerous nations have abrogated the utilization of corporal or the death penalty for genuine violations, North America is one such a nation where, contingent upon the express, an individual may confront the death penalty by deadly infusion, hot seat or gas chamber. The ward applies flogging as the ECT and it might be contended that a lobotomy is a type of the death penalty in light of the fact that the patient has next to zero personal satisfaction left after the methodology, so they should have been murdered. Ken Kesey’s One Flew Over The Cuckoo’s Nest mirrors, in the conduct of it’s characters, contemporary society precisely can even now be depended on, as a contemporary book, an exact showcase of the treatment of patients inside a psychological emergency clinic today. Works Cited: Kesey, Ken. One Flew over the Cuckoo's Nest. New York: Viking, 1962

Friday, June 26, 2020

Douglass, Dr. King And Ta-nehisi Coates History Case - 1100 Words

Douglass, Dr. King And Ta-nehisi Coates History Case (Case Study Sample) Content: Douglass, Dr. King and Ta-Nehisi CoatesNameInstitutionDouglass, Dr. King and Ta-Nehisi CoatesDr. Martin Luther king abhorred the segregation and the lack of equal treatment for blacks which resulted in lack of access to basic economic needs. Writing from Birmingham City jail, Dr. Martin Luther King calls for fair treatment of blacks in America (Oppenheimer, 1992, p. 26). He championed for economic empowerment of the black community so that they can have same opportunities like their white counterparts. He stated that "all segregation laws are unjust because segregation distorts the soul and damages the personality."According to him, segregation did more damage to blacks than just the physical pain they went through. He observed that segregation did a lot of damage to the self-esteem of the blacks by being made to feel worthless and inferior (Garrow, 1987, p.12). Dr. King saw segregation as a gross violation of the rights of the black people.The kind of segregation th at Dr. Martin Luther king junior was against that can be included in this law suit includes the following: * Laws outlawing marriage between black and white people which was widely practiced in Georgia. The law at that time considered such a marriage null and void. * The other kind of segregation that would appear in the lawsuit would be the appeal against the establishment of separate schools for blacks and whites. A good example was in Missouri where it was a crime for a black child to attend white school and vice versa. * Dr. King also fought about the lack of equal treatment of blacks in matters of healthcare. During this period, it was unlawful for blacks to use the same healthcare facilities as the white population. In some cases, blacks were denied treatment at most facilities. * The biggest chunk of this lawsuit would touch on slavery itself. Dr. King fought valiantly for the abolition of slavery which he described as inhumane and a backward practice. The lawsuit would seek damages relating to loss of life resulting from the practice of slavery as well as pointing other social injustices of the practice such as forced labor and forced separation of families.To date, the numbers of lawsuits touching on reparation in America his hit the roof. One of these cases is the case for reparation by Ta-Nehisi Coates. He states that two hundred and fifty years of slavery, ninety years of Jim Crow, sixty years of separate but equal and thirty-five years of racist housing policy. Until we reckon with our compounding moral debts, America will never be whole (Coates, 2015, p. 66). Ta-Nehisi, unlike Dr. King is more concerned about economic injustices meted on the blacks. An example is given of black family (the Ross family), which was relatively wealthy, owning about 40 Acre tract of land in which he had cows, horses and other farm animals, he also was a farmer. Clyde Rosss father was illiterate and the state connived to rob him succesfully of his property citing a b ackdated tax of $ 3,000 dollars which he could pay and all his property was seized in effect reducing the family to being sharecroppers. This is just one of the many examples of black people being robbed of their properties in broad day light. Worse still is the fact that all state organs participated in these kinds of robberies, from the police to the judicial system thus leaving the blacks with no means of redress. As Ta-Nehisi Coates puts it, The state's regime partnered robbery of the franchise with robbery of the purse. Many of Mississippi's black farmers lived in debt peonage, under the sway of cotton kings who were at once their landlords, their employers, and their primary merchants (Coates, 2015, p. 66). The lawsuit for reparation by Ta-Nehisi Coates would point out the both the robbery of the purse as well as robbery of the vote where blacks.The reparation case could also use the three part investigative series or report on 406 victims that was published by the Associated Press in 2001 in their investigations on the theft of black-owned land dating back to the antebellum period which found out that about 24,000 acres of land costing tens of millions of dollars in Mississippi alone had been taken away from the blacks. The land was taken from the blacks through various means ranging from legal chicanery to pure terrorism (Coates, 2015, p. 66). The other element of injustice that could be incorporated in the case is that of home ownership. From 1930s through to 1960s, black people were cut off or prevented from home ownership by being denied legitimate home-mortgage. This is illustrated by Clyde Rosss case as one of the many examples. In 1947, Clyde Ross moved to Chicago. In 1961, he and his wife bought a house in the bustling neighborhood of North Lawndale. With time, he tried to get a legitimate mortgage on his home but was denied. At the time, mortgage was not available to black people (Coates, 2015, p. 66). In fact, housing for black people was one of the areas where great injustices occurred which calls for reparation. Some municipalities and states have passed statutes addressing the issue of reparations for African-Americans such as Rosewood in California as well as states such as Oklahoma and Chicago.On his part, Fredrick felt that education among Africans would help them to achieve some degree of equality with the white people. He felt that educated Africans would help to champion the fight for equality and freedom for black people. Douglass contends that equality rests with fair treatment in all things among them education (Horton, 2006, p. 147). He felt that blacks should get the same education that the white people were getting and that there should not be any segregation in schools and institutions of learning. All these three men, Dr. Martin Luther, Ta-Nehisi Coates and Fredrick Douglass ...

Saturday, May 30, 2020

How Financial Statement Helps User Finance Essay - Free Essay Example

Your college-mate, Adam, who studies in an Engineering faculty thinks that preparing the financial statement annually is a waste of time. As an Accounting student, you do not agree with Adams opinion. Explain to Adam the purpose of preparing a financial statement. Definition of Financial Statement Nowadays, there are a lot of demands that will be made for its financial statements throughout the existence of a business. Profitability, financial health, as well as success of a particular organization conclude the main key of information of a financial statement. The financial numbers in a financial statement also supply a measure of the failure or achievement of its business strategies as well of its current management. There are four main factors of financial statement which are balance sheets, income statements, cash flow statements and retained earnings. Each of these statements is a part of the structure for the financial statements. Generally Accepted Accounting Practices or also can be known as GAAP is the structure of it. When it comes down to a company financial stability, each of a financial statement has a purpose and reason as well as to provide detailed information. In another way, financial statements are also some sorts of like a crucial reports. For a companys stockholders, board of directors, its managers and to the employees which also includes labor union, the statement shows them how a business is doing are a somehow very beneficially internally. They are also crucial to government agencies which are responsible for regulating and taxing, to stockbrokers and investment analysts, to lenders such as credit rating agencies and bank and not forgotten towards prospective investors externally. A lot of strategic thinking goes into the way businesses present their performance date given the competing demands for attention. Whole collecting financial worksheets for another group and comprehensive reports, they may have to prepare concise, straightforward data summaries for one group of investors. Tracking various factors such a liquidity and solvency are the main purpose for investors using financial statement. PURPOSE OF FINANCIAL STATEMENT The main use of a financial statement is to make sure a business establish the results of its operations over a certain period of time as well as to verify its worth at a specific date. Business people always prepared financial statement to help them in evaluating their financial health. In the other hand, it is also crucial to supply specific financial statement upon the demand of a supplier or even banker. When a business is involved, tax returns require a financial statement. In-house monthly financial statement can be in any form that is acceptable or easy to the management. However, they need to be in a standard format and the need to follow a certain rules of preparation when the financial statement provided to outside parties. A basic set of financial statement will also include of an Income Statement which generates the profit or loss over a period of time, a balance sheet which conclusion of the Assets, Liabilities and Equity of the business at a specific date. Occasionally, a Cash Flows Statements may also be generated, which concludes the disbursements and receipts of cash during the period of time. For management and owners, its a useful tool for them in order to supervise where the cash is really going. By providing relevant and trusted financial information, the important objective of every financial statement is of assistance to the intended users in their economic decision making process. General Purpose Financial StatementsÂÂ  are prepared for general users keeping general needs in mind but not able to supply all such information that users may want. Special Purpose Financial Statements are prepared keeping the information needs of some users and also may supply such additional data which normally general purpose financial statements may not contain. The special purpose financial statements tends to highlight a certain area as well as to supply information in that regards. It may be or may not be prepared under the same accounting structure which is used to prepare general purpose financial statement. Financial statements prepared for bank to request for a loan is one of the good examples. There are three aspects that the general Purpose Financial Statements provide information which are: 1) Changes in Financial Position Can be explained of how business activities had affected the investors stake in the entity. Users need this information to evaluate whether the entity has made satisfactory contribution towards their investment or not. Users are also eager to know how much cash and cash equivalents have been generated and where they have been use. Like for example, the cash flow. This information is obtainable in the form of statement of cash flow and statement of changes in equity. All of these statements should not be observed in isolation as they are linked together and in order to get the full impression of the business, people must look at them as a whole as well as in totality instead of considering them differently even through each of these statement serves a particular objective. 2) Financial Performance Is the entity which relates to the entitys skill to use the economic resources that are available in a profitable manner as well as how good entity managed to general considerable cash flows by using this resources. Statement of comprehensive Income is used for this information presented. 3) Financial Position Is the entity which can be explained by the position of the business liabilities and assets as well as how entity uses the resources at its disposal in order to survive the changing business solvency and requirements. Statement of Financial Position which also recognized as Balance Sheet is used for this information presented. TYPES OF FINANCIAL STATEMENT There are four different kind of financial statements. These statements are compulsory to be audited by the authentic, reliable and trusted, efficient audit firms in order to avoid exploitation of numbers. After a thorough study of an organization records, then the accounting firms only audited the statement. The four important types of financial statement as shown as below: 1) BALANCE SHEET Balance Sheet, is one of the four basic financial statement required by IFRS and GAAP. The purpose of this balance sheet statement can be explained as a better picture of a certain organization financial position. The balance sheet is the one and only statement that applies to a single point in time out of the other three statements. Usually, a normal balance sheet contained three parts such as assets, liabilities as well as shareholders equity. The asset subcategories are normally written down first and naturally listed in the order of liquidity. Assets are then followed by the liabilities. Shareholders equity or as the new assets/net worth of an organization are the main difference in between the assets and the liabilities. Assets are equal to the sum of liabilities and shareholders equity. A good example of items recorders as assets can also include plants and equipment, property and account receivable and for the example of liabilities includes long term bonds and account payable. Balance Sheet came from the fact that the total assets must always be in balance with the sum of liabilities and shareholders equity. An organization will have to finance its assets by either borrowing money from other sources in the form of liabilities or collecting the money from shareholders. The main formula for balance sheet is: Assets = 2) INCOME STATEMENT On a business cash generating ability, the income statement is a very straightforward and simple report. Its provides crucial information on the financial performance of the business that shows when expenses are incurred and when sales are made. Capital, revenue, cost of goods and expenses are example of information withdraw from the numerous financial models. The income statement is able to let an organization know how much their organization making, which can be either in profit or even loss during the year by subtracting the cost of goods and expenses from revenue to arrive at net results by combining these elements. Due to the income statement do not show when the expenses are paid or when revenue is collected, therefore it differs from a cash flow statement. In the other hand, it shows the predictable profitability of the business over a certain period of time covered by the plan. The income statement must be produced on a monthly basis during the first year, followed by quarterly for the year two and annually for the third year for a business plan. In the following manner, below is the financial projection in Income Statement: 1) Income ÂÂ  Includes all the income made by the business of an organization. 2) Cost Of Goods Include all the costs that are linked to the sale of products in the inventory. 3) Gross Profit Margin Its the difference in between revenue and cost of goods. It can be uttered as a percentage or in dollars or potentially even both. As a percentage, the margin of Gross Profit is constantly affirmed as a percentage of revenue. 4) Operating Expenses Includes labor spending and all overhead related with the operations of the business. 5) Total Expenses Sum of operating expenses and cost of goods. 6) Net Profit The difference between gross profit margin and total expenses. The net income depicts the business debt and capital capabilities. 7) Depreciation Show the downfall in value of capital assets that are used to produce profits. Its also used as an pointer of the stream of money into new capital and the basis for a tax deduction. 8) Earnings before interest and taxes Includes the capacity of a business to repay its obligations. 9) Interest Includes all interest payable for debts, both long-term and short-term. 10) Taxes Includes all taxes on the business. 11) Net Profit After Taxes Show the companys real bottom line. The basic equation on which an income statement is based is: Net Income = 3) CASH FLOW STATEMENT Cash flow statement is basically a report that reflects of the sources of organization cash and how the cash was used over a certain period of time. However, it doesnt include the non- cash items such as depreciation. To determine the short-term viability of an organization when it comes to paying the bills, this method is very useful. A lot of analysts propose that an entrepreneur study a cash flow statement at least every quarter of the year because the management of cash flow is very important towards the small businesses and for business as well. The income statement that was mentioned earlier is the same with the cash flow statement because it records down an organization performance over a certain period of time. The cash flow statement shows the exact amount of money that an organization produce while the income statement also takes into account of some non-cash accounting items such as depreciation. Therefore, thats the main difference between those two statements. Cash flow statement also show how an organization have performed in handling the inflows and outflows of their cash while also come in handy, which give a bigger and better view of an organization ability to pay their creditors as well as their financial growth. According to the accounting standards, it is not wrong for an organization that is shown to be profitable to go under if there isnt sufficient cash on hand to pay their utilities. Operating cash flow ratio, which can be explained of comparing the amount of cash generated to outstanding debt, prove the company skill to service their interest payment and loans. If a slight drop in an organization quarter cash flow would destroy their skill to make a loan payment that the organization is in a very danger position that one with less net income but a stronger cash flow level. There is not much an organization could do in order to manipulate its cash situation unlike the numerous ways in which reported earning can be offered. The cash flow statement will always be accurate whether the organization has cash or not. In order to recognize an organization overall health, an analysts will observe closely at the cash flow statement of any organization. 4) RETAINED EARNINGS The portion of net profit or net income which are abstract from the income statement that never been paid out as dividends are called retailed earnings. Therefore, these earnings are then used for some purpose or reinvested in an organization. It can be also used to further develop the organization through some investment for example like paying off debt, investment in development or even research and so on. Retained earnings are cumulative. They symbolize the past and present earnings of an organization that have been reinvested in the company. Under the Shareholders Equity section of the balance sheet, the retained earning account show the retained earnings since the establishment of the organization. It is also cumulative revenues from undistributed profits. Most of these analyses engage comparing retained earnings per share to profit per share over a certain period of time. They also sometimes evaluate the amount of capital retained to the change in share price during that same period of time. The return management generated on the profits it plowed back into the business are the methods that use to measure. A method that accounts for taxes is also used in this vein in the look through earnings. Developed industries often retain a large sum of their earnings than other industries because they need more asset investment to function or even operate. Older organization may report drastically higher retained earnings than those newer organization in the same industries because retained earnings symbolize the sum of profits lesser dividends since their establishment. This is the main reason of why the comparison of retained earnings is very hard but usually the most meaningful among other organization of the same time of establishment while the meaning of low and high retained earnings should be made within this circumstance. Just take an example of when Ali Maju Sdn Bhd, retained 72 percent of its net income for its retained earnings account and eventually gave out 50 percent of its net income as dividends to its shareholders. QUESTION 1B Your college-mate, Adam, who studies in an Engineering faculty thinks that preparing the financial statement annually is a waste of time. As an Accounting student, you do not agree with Adams opinion. Explain to Adam how the financial statement could help the user of the financial statement in their decision-making. Financial statements of a company or individual are the documents that reflect the historic financial information of the entity. This includes a detailed and accurate record of the assets and liabilities as well as the income and expenses and also the cash flow of the entity. These documents are written records that quantitatively explain the health of unit represent in the statements. Financial statement are decision-making tools because it helps use to see a better and clearer idea of how an organization financial position. Financial Statements also show business trends, the rate at which you are paying creditors and any cash flow problems and also the rate at which you are collecting receivables. Take an example of accounts reports show whose is paying on time or can even be 30 days late, 60 days late or up to 3 months late. By using this financial statement, we can determine which customers or supplier that is in a good standing or that are in need of collection efforts or have uncollectible open invoices. Lets just assume that an invoice has not been paid within the period of six months, after collection efforts, this is probably an uncollectible debt. Accounts payables reports let you know what is owed to whom and when. We are also able to generate the reports to further let us know the value of the inventory and what our inventory levels are. Not only that. We can produce a report to answer any question that we have about our business cooperation related to what we owe, what we own as well as how much money that our company makes, in a period of time which can be monthly, or yearly. These are basically the questions that we need to answer as we make strategic decision on how to make our business to be successful without losing any money in the near future. Businesses often need credit as a part of their strategy to remain financially viable. Then of course, businesses apply for credit cards and credit terms with a vendor as well as applying for business loan. The lender will always request to take a look of our balance sheet and run over our credit report to therefore make decision on whether to loan us the credit or rejects in all situation. A balance sheet will also show a creditor of how much debt we are carrying and how much money is flowing in and out of the business. In addition to that, the financial statement that we handed over to an internal account payable report will helps us to pay our bill and utilities on time while keeping our organizations credit score high. This is very important and crucial step because it will enable our firm to remain a good credit risk. In addition to that, we need financial statement to calculate our quarterly state as well as federal tax obligation which include sales and annual taxes. A sales report that separates taxable sales from nontaxable sales will give us the information that we need to pay the state the sales taxes that we collected from our customers. Federal tax obligation also include payroll related taxes and annual taxes. A payroll liability report is not only to the federal government but also for benefits but also outline all our payroll-related obligations; we must be able to give documentation of the information reported in our tax fillings if we are ever audited. Beginning with the primary financial statements and any additional statements auditors request, acceptable documentation is financial statements. We also must be able to back up thee statements with hard records such as pay stubs and receipts. In order to prepare both state and federal annual taxes, we have to start with the primary financial statement. We also may need to find out that we need to run additional reports to produce the specific information that we need to fill out our tax forms. Untitled.png Figure 1- ACCOUNTING PROCESS First of all, to financial accounting whose final products are financial statements. However from the users aspects and from the aspects of the scope of business, we distinguish the following types of accounting: financial accounting, cost accounting and managerial accounting. We usually say that cost and managerial accounting ensure different information for internal users and financial accounting ensures synthetically and quality information needed for preparing the financial statements for external users. Nevertheless, in the context of measuring the entire business quality, financial accounting is also directed towards internal users. chart.pngFigure 2- FINANCIAL STATEMENT The most important financial statements that we must consider when examining the entire business quality and making decision for the future are: 1) Balance Sheets 2) Income Statements 3) Cash Flow Statements 4) Retailed Earnings/ Changes In Owners THE BASIS OF DECISION MAKING We need to analyze the financial statement in order to improve the usage of financial information in the context of the decision making process, In that context, we only can describe financial statement analysis as the process where we convert data from financial statements into usable information for business quality measurement by different analytical techniques which is very important in the process of rational management. Since we try to ensure companys development and existence on the market, it is very significant in the context of future business management to know the current level of business quality. Financial statement analysis comes before the management process that is before the process of planning which is the component of the management process. Planning is very important for good management. Good financial plan has to consider all companys strength and weaknesses. The task of financial statement analysis is to recognize good characteristics of the company so that we could use the most of those advantages, but also to recognize companys weaknesses in order to take corrective actions. We can say that management of the company is the most significant user of financial statement analysis. In the process of financial statements analysis, it is possible to use the whole range of different instruments and procedures. First of all, it considers comparative financial statements and the horizontal analysis procedure together with structural financial statements and the vertical analysis procedure. By horizontal analysis which is based on the comparative financial statements we try to examine the tendency and dynamics of changes of particular basic financial statements positions. We estimate business efficiency and security of the company on the basis of observed changes. On the other hand, structural financial statements are the base for vertical analysis which allows insight into financial statement structure. Financial statements structure is very significant in the context of business quality. By financial statement analysis we get acquainted with the business quality, but the questions of the analysis are not solved by horizontal and vertical analysis procedures of balance sheet, profit and loss account and cash flow statement. In the context of measuring business quality on the basis of financial statements, the most significant are different financial ratios formed from basic financial statements Financial Statements supply helpful information to a variety of users: 1) Prospective Investors In the need of Financial Statement to have the review of capability of investing into an organization. Based on the statement, they also could have an idea of what the future dividends will be based on the earnings disclosed. Risks related with the investment may be gauged from the statement like for example, fluctuating profit indicate higher risk. 2) Financial Institutions ( Bank) They need Financial Statement to make decisions on whether to approve credit to a business or to give green light to a loan. They also need to review the financial state of an organization to decide of the chances of a bad loan. Their decision to lend must be heavily based with a enough asset base and liquidity. 3) Governments In the need of Financial Statement to decide the effectiveness of the tax announced in the tax returns. They will also need to have an eye of the economic development through analysis of Financial of businesses from numerous sectors of the economy. 4) Customers Use Financial Statements to assess whether a supplier has the resources to ensure the steady supply of goods in the future. This is especially vital where a customer is dependant on a supplier for a specialized component. 5) Suppliers Need Financial Statements to assess the credit worthiness of a business and ascertain whether to supply goods on credit. Suppliers need to know if they will be repaid. Terms of credit are set according to the assessment of their customers financial health. 6) Competitors Need Financial Statement in order to evaluate of their performance towards with their enemy organization as well as to learn and create strategic to advance their competiveness. 7) ManagersÂÂ   Need Financial Statement to handle the affairs of the organization by taking crucial business decision making and monitoring the financial performance and positions. 8) Employees In the need the use of Financial Statement in order to evaluate the organization profitability and its effects on job security and also their future remuneration 9) Shareholders Need Financial Statement to review the dangers, return as well as risk towards their investment in the organization. Also decide whether to or not to invest in the company based on the analysis. 10) General Public Like to know more about the property of an organization on the economy, surroundings as well as the local community.

Monday, May 18, 2020

Personal Statement Auto Education - 3418 Words

Student: Pauline Cunha Instructor: Irena Shklovsky IT Pedagogy II-9660 Date of submission: August 15, 2015 Rationale Papers: Practical Life Rationale Paper Auto education is the ability to learn. Each individual learns on their own way, by creating neurological connections to master skills. Auto education defines interest in learning, which explains why each person has a different way to learn. Practical life promotes auto education through manipulation and the handling of its lessons. It also teaches daily life activities. When a child work with a practical life activity this child is able to auto educate him/herself about care of self (e.g.: button frame, blowing nose.), care of the environment (sweeping floor), preparing meal (preparation of snack.) Sensitive Periods is a period in a child’s life when her or she has an urge to learn about his or her inner self. Practical life assists in developing this inner urge through order, language, and movement. When the child works with transferring objects using hands, spoon or tongues, they are developing their sensitive period of movement through this material. When the child works with silence games, and use words as open, close, snap, they are able to work their language sensitive period. And all activities in practical life promote order; the child learns that everything has their own place, and the right time to do. Absorbent mind is the effortless ability to take in information from the environment through consciousShow MoreRelatedSwot of Gm1431 Words   |  6 PagesPontiac, Oldsmobile, Buick and Cadillac. Buyers could be kept in the GM family as their buying power and preferences changed as they aged. â€Å"A company s reputation in the minds of the public can be affected, positively or negatively, by firsthand personal experiences as well as multiple sources of information, including word of mouth, newspaper/magazine articles and TV/radio news.† (Carl H. Tong, 2006) This is true a company’s reputation is very important in the marketplace; here is an example whenRead MoreAnswers to Concept Checks.1687 Words   |  7 PagesCONCEPT CHECK ANSWERS Concept Check 2-1 (p. 38) 1. What are the three major money management activities? The three major money management activities are (1) storing and maintaining financial records and documents, (2) creating personal financial statements, and (3) creating and implementing a budget. (p. 36) 2. What are the benefits of an organized system of financial records and documents? An organized system of financial records provides a basis for: (1) handling daily businessRead MoreMaketing plan for Sonic 1000 Essay1086 Words   |  5 Pagescarrying multiple gadgets †¢ Express style and individuality †¢ Compatible with numerous applications and peripherals for convenient, costeffective functionality †¢ Case wardrobe of different colours and patterns allows users to make a fashion statement †¢ Compatible with widely available software (business martket) †¢ Input and access critical data on the go †¢ Use for proprietary tasks Entrepreneurs †¢ Organize and access contacts, schedule details †¢ No-hands, wireless access toRead MorePersonal Financial764 Words   |  4 PagesBUS 282 - Personal Finance Final Project – Creating a Personal Financial Plan Your final project will integrate what you have learned throughout the course into the core elements of a financial plan. Although not comprehensive, and in fact only the beginning of what should be a living document, this project will allow you time to organize and reflect on key areas of personal finances that you will need to address throughout your financial life cycle.    Assignment Requirements: * UsingRead MorePersonal Values Statement On My Inner Self764 Words   |  4 PagesPersonal Values Statement In understanding oneself it is often difficult to remain truthful and unbiased when analyzing our deficiencies and strengths. Nonetheless, on an opposing continuum one faces modesty and simplification in the analyses of the previously mentioned traits. The following self-observation aims to reach an equilibrium in learning about my inner-self. I have always considered myself a kind person. As an example; on a drive back home from Minnesota I stopped at a rest-stop whereRead MoreWill Work for Room and Board: Prison Labor in America Essay1474 Words   |  6 PagesNo single phase of life within prison walls is more important to the public or to the inmate than efficient industrial operations and the intelligent utilization of the labor of prisoners, stated a Federal Bureau of Prisons report in 1949. â€Å"This statement is still true today, nearly 50 years later† (Roberts).† In 1994, the state of Oregon, by overwhelming majority, passed a constitutional amendment that requires 100% of all state held inmates to work for pay during their incarceration. The InmateRead MorePorsche: Case Analysis1709 Words   |  7 Pagestranscends the ordinary is exemplified in many having above-average incomes, higher levels of education and greater levels of professional attainment. For the Porsche buyer, their car or vehicle is a symbol of their accomplishment or achievement; it is a core part of their self-concept (Rosecky, King, 1996). The greater the level of competition in the industries customers earn their living in, the greater the role of autos as a means to communicate status and position in the industry, serving as a symbol ofRead MoreHarley Davidson Case Study1016 Words   |  5 PagesSome of the components of an effective mission statement are incorporated within the mission statement. These components include the customer aspect, because the statement mentions the customer. Another is the market because the statement states that the company strives to create a superior value in every market in which it serves. The company also has a value statement that can probably be used in congruence with the mission statement. The value statement states that: â€Å"These are our values. TheyRead MoreEssay about Estate Planning - Case Study1429 Words   |  6 Pagesaccomplish in the future. After reading provided documents my goal is to determine your financial strengths and weaknesses and suggest different appropriate ways to reach your personal and financial objectives. Financial strengths: Mary, you own 80% interest in closely held company (Crescent City Publications). Income statement shows that your salary is about $120,000 a year. Including your husband’s income, investment income and rental income I can conclude you have a high net worth. Your investmentRead MoreSwot Analysis Of Joubert Network Security993 Words   |  4 Pageseffective change to mitigate any breach and be as proactive as possible. A proactive approach will save money and keep your business running. Businesses with hardened systems succeed. As with any business ignorance will cost millions. The lack of a user education will innocently pave the way for vulnerabilities and hacking. The methodology used is a penetration testing in your defense system (firewall) and a thorough assessment that will pinpoint issues and find risks. Hackers use the same methodology to

Saturday, May 16, 2020

Gestational Diabetes Mellitus Research Paper - 1541 Words

Society looks at Pregnancy as an amazing and exciting time for women and their families. However women diagnosed with Gestational Diabetes Mellitus can experience an increased amount of stressors not only physical but, emotionally and socially. Physically GDM causes increased blood sugar levels which can have dangerous and harmful effects on both mother and infant. New to be mothers can have a hard time understanding and coping with their pregnancy and condition if not supported correctly by healthcare professionals. Healthcare professionals should use a women-centred approach when delivering maternity care as it empowers women in the self-management of their care. This essay will discus in further detail the aspects of GDM, including the†¦show more content†¦Insulin is the only hormone in the body that lowers blood glucose levels, as it targets cells and provides for glucose storage as glycogen (Mattson Porth, 2002). Insulin prevents fat and glycogen breakdown and inhibit s glycogenesis and increases portent synthesis (Mattson Porth, 2002). The placenta secretes hormones and adipokines, these include tumor necrosis factor (TNF)-ÃŽ ±, human placental lactogen, and human placental growth hormone (Alfadhli, 2015). Furthermore, increased oestrogen, progesterone and cortisol during pregnancy add to the disruption of the balance of glucose and insulin levels within the body (Alfadhli, 2015). The body tries to compensate for the insulin resistance by increasing the amount of insulin that is secreted, however women with gestational diabetes can not secrete enough insulin to keep up with the metabolic stress of the insulin resistance causing hyperglycaemia in the bloodstream (Alfadhli, 2015). Hyperglycaemia is a serious risk during pregnancy as it can have many direct adverse affects on the mother and baby (Stewart, Z. A., Murphy, H. R. 2014). Some of the most common risks associated with maternal hyperglycaemia are an increased infant birth weight resulting in a infant that is large for gestational age (LGA), increased infant fat mass, preeclampsia and preterm delivery, and an increased need for caesarean section (Hillier et al., 2007). Serious complications due toShow MoreRelatedType 2 Diabetes Mellitus For Women1927 Words   |  8 Pages Type 2 Diabetes Mellitus in Women Melody McClain South University Introduction Diabetes Mellitus in Women Diabetes has been established to be more precarious for women, as it can augment pregnancy complications such as macrosomia, miscarriage, and birth defects. Women with diabetes also have a higher prevalence of secondary cardiovascular disease. Among those women who continue in the spiral of diabetes complications, ischemic heart disease is an even greater complication which will reduceRead MoreDiabetes Essay examples1471 Words   |  6 PagesDiabetes In the United States, an estimated 16 million people have diabetes. Diabetes is a serious lifelong condition. Half the 16 million people who have diabetes do not even realize the condition exists and are not receiving treatment. 798,000 people each year are diagnosed with diabetes. It occurs most often in adults, but it is also one of the most chronic disorder in children. It is estimated that 123,000 children ages 19 and belowRead MoreDiabetes Mellitus : The Topic Of My Research Paper870 Words   |  4 Pagespopulation, I chose Diabetes Mellitus as the topic of my research paper. Although very few people actually possess a detailed knowledge of the disorder, everyone knows at least one person who suffers with diabetes. I will attempt to further your knowledge on the subject through explanations of the types of Diabetes, how each form is treated, and day-to-day issues that result from living with the disease. According to the National Diabetes Information Clearing House (NDIC), â€Å"Diabetes Mellitus affects 25.8Read MoreDiabetes Mellitus : A Group Of Diseases That Affect Your Body Uses Blood Sugar1601 Words   |  7 Pages2056 FT030 Diabetes Mellitus Research Paper Annabelle Anglo 03/17/2015 According to Mayo Clinic, â€Å"Diabetes mellitus refers to a group of diseases that affect how your body uses blood sugar (glucose). Glucose is vital to your health because it s an important source of energy for the cells that make up your muscles and tissues. It s also your brain s main source of fuel.† (Mayo Clinic, 2005) Diabetes Mellitus has 3 types: Type 1 Diabetes, Type 2 Diabetes, and Gestational Diabetes. Type 1Read MoreDiabetes : A Common Disease Essay1604 Words   |  7 PagesI have chosen to write my paper on diabetes. Many people in my family have been diagnosed with it. I have always wanted to know more about diabetes, but never had a reason to look things up besides the fact of being very curious about the disease. I know a few things about it because of spending so much time with my younger cousin and watching her do things to care for herself. I used to ask her many questions about it, but I figured she had gotten tired of me asking constantly, so I just gave upRead MorePathophysiology Of Gestational Diabetes Mellitus845 Words   |  4 PagesPathophysiology of Gestational Diabetes One of the most common medical disorders of pregnancy is gestational diabetes mellitus (GDM). Diagnosing, treating, and managing health outcomes for the mother and baby can be challenging. The impact of GDM can be far reaching past the postpartum period, and can affect both mom and baby for years to come. The purpose of this paper is to review the pathophysiology of GDM, explore the available treatments and discuss the impact and how education is essentialRead MoreA Short Note On Diabetes Mellitus Type II1041 Words   |  5 Pageson research paper is Diabetes Mellitus Type II. Diabetes is one of the major chronic diseases caused by the insulin resistance that body generates within. It is a serious public health issue currently. There are different types of diabetes we encounter nowadays, but the three main types are Type I, Type II and gestational diabetes (Diabetes Mellitus,2005-2016). The type II diabetes is a non-controlled disease and it is the most common and also known as non -insulin dependent diabetes (Diabetes MellitusRead MoreHealth Literacy Interventions And Its Impact On Diabetic Patient Health1454 Words   |  6 PagesLiterature Review Diabetes mellitus is a major public health problem in the US. High diabetic prevalence rates and negative health outcomes were linked with lack of health literacy among the population. Health literacy is necessary to create awareness and improve self management skills among the patients. This will help prevent diabetes and delay the complications associated with it through educated care choices and self management ability. This research focuses on health literacy interventionsRead MoreA Short Note On Diabetes And Diabetes Mellitus1545 Words   |  7 PagesDiabetes is a disease that plagues many individuals, causes adverse health problems, and if left uncontrolled can lead to premature death. Diabetes Mellitus is characterized by unstable glucose levels and has 3 different forms: Type 1 Diabetes, Type 2 Diabetes, and Gestational Diabetes. This research paper will focus on Type 2 Diabetes Mellitus (T2DM). Type 2 diabetes is a chronic disease in which insulin is not produced suffici ently or non-existing within the pancreas, causing an increase in theRead MoreA Short Note On Diabetes Mellitus Type II1039 Words   |  5 Pageson research paper is Diabetes Mellitus Type II. Diabetes is one of the major chronic diseases caused by the insulin resistance that body generates within. It is a serious public health issue currently. There are different types of diabetes we encounter nowadays, but the three main types are Type I, Type II and gestational diabetes (Diabetes Mellitus,2005-2016). The type II diabetes is a non-controlled disease and it is the most common and also known as non-insulin dependent diabetes (Diabetes Mellitus

Wednesday, May 6, 2020

Does Religion Cause War - 653 Words

Religion causes war. This is a matter of historical fact. Since time immemorial, men have fought each other in wars caused by religion. There are at least three instances by which religion causes war. The first is when people try to compel other people to adopt their religion or religious perspectives. This comes from our innate tendency to want other people to subscribe to our beliefs. That desire can be accompanied with a strong zeal such that if others are impervious to our peaceful approach to convert them to our beliefs, we can even resort to violence to achieve that end. History is replete with such examples. One example was shown during the initial propagation of Islam when the Prophet Mohammad actually declared a holy war against†¦show more content†¦This kind of war that partakes of the nature of a cleansing act had its modern version in the Serbian Christians attempt on ethnic cleansing to clear the newly created republic of Kosovo of its majority Muslim population so that the minority Christians of Kosovo could take over. Finally, religion causes war because people of different religious convictions can easily distrust each other. In this instance, there is no attempt to either convert or eliminate each other. Two groups of people or nations go to war against each other because of they have a sense of misgivings for each other that can be traced to their difference in religious convictions. An example of this was the long conflict that had characterized the relationship of the Catholics and the Protestants in North Ireland. There had been no attempt to convert each other. Neither had each religious group attempted to eliminate each other from their geographical enclaves. It had been a war that was waged by two religious groups who had found it psychologically difficult to co-exist simply because they had different religious beliefs. It might be an oversimplification but in a sense, this is how we can characterize the strained relationship between the Christian and the Muslim worlds today. That straine d relationship has found an outlet in what is currently termed the war on terrorism being being foughtShow MoreRelatedDoes Religion Cause War?1463 Words   |  6 PagesDoes religion cause war? Every culture and society in the world has some form of religion. The most popular religions in the world today are Christianity, Buddhism, and the Muslim religions. Other religious sects exist amongst distinct groups. Every religion has some form of philosophy or ideology followed by members. One common thing about the existing religions is the presence of a supreme being. The Supreme Being exists in many names with different abilities depending on every religion. TheRead MoreDoes Religion Cause War?1079 Words   |  5 PagesDoes religion cause war? On this planet Earth, there have been many wars fought over many different things. They can range from freedom, oil, and religion. There were many wars fought over religion. For example, the thirty years war. The thirty years war was one of the major wars fought over religion. It was mostly fought in what’s now Germany. The thirty years war was one of the absolute longest and most destructive, and brutal conflicts in European history. The war was mainly between ProtestantsRead MoreDoes Religion Cause War?1790 Words   |  7 Pagesï » ¿Religion is a cause of all wars, is a phrase which is often heard and said by many. The question here is, does religion really cause wars? It may not be the reason for all the wars that have taken place since this world came into existence but several wars which have been fought in the past and today are done so on the basis of religion. Religious wars are ones which are fought and then justified by religion. These wars can involve one nation fighting against another who have different beliefsRead MoreDoes Religion Cause Wars?1258 Words   |  6 PagesThere is a conventional belief among many individuals that religion is the main cause of the present and past wars inflicting torment within the world. However, many humans fail to see past that belief; they are unable to understand that religion is just a small factor amongst the many contributing to the cause of wars. In fact, religion is merely a tool and an excuse used to hide the need for power and sins of the human nature. Among these factors, it may be the misinterpretation of religious teachingsRead MoreDoes Religion Cause War? Essay1239 Words   |  5 PagesReligion has its shares of promoting violence. Many will argue that a cause of religion wars is for economic and political reasons, but others argue that those who start wars are, by definition, not religi ous. In reality, separating religion out of economic and political motives can be involved in such a way finding religious motives innocent of much. Excuses for Christianity responsibilities cannot be accepted whether the person has misappropriated the message of Christ. The primarily set of doctrinesRead More2- Religion Does Not Cause Wars860 Words   |  4 PagesReligion Causes War. So often is this sentiment heard in the best sellers from Richard Dawkins to Sam Harris that it has almost become a proverb. It is said so often that people believe it without question. But, in fact, religion does not cause war. If you are an atheist, I ask for your intellectual honesty in evaluating this question. You have every right to believe what you will, but we should all be honest and not sling mud where it is not warranted. Laying war at the feet of religionRead MoreEssay on Religion Causes War1486 Words   |  6 PagesRELIGION CAUSES WAR: PROS AND CONS There are many arguments and counter-arguments when discussing the topic of religion causing war. Many critics argue that throughout history, religion has been the single greatest source of human-caused wars, suffering, and misery. In the name of God (by whatever name), more suffering has been inflicted than by any other man-made cause. (Pro Side) Critics on the other side counter that modern secular ideological movements are actually responsible for much greaterRead MoreReligious Exclusivism : A Universal Plan For Eternal Salvation880 Words   |  4 PagesFinding the purpose of life has always been a constant in human history and religions have been the predominant answer to this need for a long period of time. Believing in an all-powerful God therefore being part of a universal plan for eternal salvation requires faith in God and the following of his message contained in a sacred text. However, a common theme among scriptures of various religion is the clear division between †Å"the chosen ones† and the â€Å"not chosen ones† depending on our stance aboutRead MoreReligion And The Islamic State Of Iraq And Syria1729 Words   |  7 Pagesdebated. There is much debate on whether religion is the cause of the wars we are fighting in this modern day. The most current terrorist group today is ISIS or The Islamic State of Iraq and Syria. They are oppressing and destroying their fellow Syrian’s and Iraqi’s and they are spreading alarm and panic across the world with their violence and destruction. ISIS is a Muslim society, which paints a negative picture on the religion, but they are extremists. ISIS does not speak for the Muslim society andRead MoreCan Religion Be A Cause Of War?1559 Words   |  7 PagesCan Religion be a cause of War? For centuries religion has impacted the world greatly, having an influence amongst people and their society that cause them to behave in certain ways. Throughout history religion has played a grand role in undertaking the parts that have structured many positive and negative effects in the world. People have been killed for what they believe, and people have as well killed in the name of their God. Religion has been the motivation and reason for many people to make

Movie Analysis Cat Walk Across The Country - 2040 Words

Ariel Talley Authors and Genres Final Paper Cat Walk across the Country INTRODUCTION________________________________ Over time society has tried to find ways to portray the queer community through film and most times have been scrutinized for its inaccuracies. The portrayals have varied from flamboyant, to outcast, to victims, to social deviants, however in the film To Wong Foo, Thanks for Everything. This film gives the notion of liberating queers by openly expressing who they are, dressing how they want, assisting heterosexuals in their relationships, when it comes to couples getting and staying together, giving good advice and just being overall helpful. This portrayal seems to representing the queer community fairly well beings†¦show more content†¦But sometimes, breaking a stereotype doesn’t go quite far enough, and the issue can be a little more complicated than merely determining whether or not a character is represented in a positive or negative way. QUEER/LGBTQ_______________________________________ The word â€Å"queer† has been somewhat controversial for many years, and is sometimes used to reject people from a subculture. A Marxist approach to language and culture begins by understanding the words and their importance. For instance hate speeches using words such as nigga and cunt legitimizes racism and sexism: these words are used to demean black people and women, in order to make them feel less of a human. In some situations, some socialists have used the word â€Å"queer† to label themselves, for example in the discussion, â€Å"The Fight for Queer Liberation Today† at their own Marxism event held back in May 2011. The term LGBTQ, standing for Lesbian, Gay, Bisexual, Transgender and Queer or some sources say Questionable for example, have stemmed from political changes. From previous rejections of narrowing identity politics of just the standard Gay there has been a move to include people that acknowledge themselves as bi and trans for example. This is a complete opposite approach compared to the â€Å"reclaiming† of words such as queer, or â€Å"slut† that was used in the â€Å"SlutWalk† protests a couple years ago. The assumption is these changes in language have an

How Your Personal Preferences Attittudes Cannot Influece Others free essay sample

Everybody, no matter who they are has freedom of choice, personal preferences, respect for others choices and preferences should be shown at all times. As they have had a deferent upbringing than me here are a few examples: It is most Important to remember that my own preferences are different to others and that I can never expect others to think, act and feel the same as I do. For example, I Like to bath at night and shower In the morning but some of my residents really hate the Idea of being showered, washed or bathes even once a week.I have to respect their echelon but at the same time, I need to encourage them to malignant a healthy and clean state of mind and body. I In cases will try and spend more time encouraging the client that they will feel better and not try to tell them how I feel when I am clean and fresh. We will write a custom essay sample on How Your Personal Preferences Attittudes Cannot Influece Others? or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page I have residents that Like to go to church service on a Friday or a Sunday; I do not respect religion even though I was brought up In a religion. However, no matter what my feelings are on the matter I should not push my views and feelings on them and discourage them to go, they have a belief and I should show respect hem for it and I should be encouraging them to go by taking them if they need it. Religion affects people in many different ways mainly because we all come from deferent backgrounds and were all taught differently. It is therefore very important to respect and honor their personal beliefs, others do not want to speak about church at all and I must respect the fact that they do not want to speak about anything about the Church.It is part of the work that I do, I ask about their beliefs and keep an open mind and to make sure my clients are happy and therefore are unconscious at all times that, they feel comfortable about anything they want to talk to me about. Another example is that I am a vegetarian, I would not tell a resident they are in the wrong to want to eat meat Just because I personally feel it is wrong, I should have to keep my opinions to myself, unless the individual asks me about why I chose to be a vegetarian but even then I wouldnt make it a n issue.I should also not refuse to give a resident, for example, a ham sandwich, if that is what is requested then that Is what the resident should get. I am also a great believer In fitness and had the chance to run the gym at chilliest, I tried to encourage as many as I could to attend as I believed it would help their mobility and be a good social activity. All were welcome no matter what their disability, there was different selectmen available to all, for Instance we have a bike suitable for those with strokes.Although allot of residents did not think they could exercise I showed those that were willing to, that they could use the gym, and this helped them realism they could achieve something that helped heir mental health as well as the physical, also It encouraged them to socialize as this Is an Important aspect In life. But I also had to respect those that wouldnt try It, some wont even come out the flats, but all I can do Is encourage and not to force anything on them.CLC How Your Personal Preferences Attitudes Cannot Influence Others By depression have had a different upbringing than me here are a few examples: It is most important to remember that my own preferences are different to others and that I can never expect others to think, act and feel the same as I do. For example, I like to bath at night and shower in the morning b ut some of my residents really hate the idea of being showered, washed or bathes even once a week.I have to respect their decision but at the same time, I need to encourage them to maintain a healthy and clean state of mind and body. I in cases will try and spend more time encouraging and fresh. I have residents that like to go to church service on a Friday or a Sunday; I do not respect religion even though I was brought up in a religion. However, no different backgrounds and were all taught differently.It is therefore very important a resident, for example, a ham sandwich, if that is what is requested then that is no matter what their disability, there was different equipotent available to all, for instance we have a bike suitable for those with strokes. Although allot of residents their mental health as well as the physical, also it encouraged them to socialize as this is an important aspect in life. But I also had to respect those that wouldnt try it, some wont even come out the flats,

Tuesday, May 5, 2020

Case study for bronchial asthma free essay sample

To rule out other possible conditions — such as a respiratory infection or chronic obstructive pulmonary disease (COPD) — your doctor will do a physical exam and ask you questions about your signs and symptoms and about any other health problems. Tests to measure lung function You may also be given lung (pulmonary) function tests to determine how much air moves in and out as you breathe. These tests may include: Spirometry. This test estimates the narrowing of your bronchial tubes by checking how much air you can exhale after a deep breath and how fast you can breathe out. Peak flow. A peak flow meter is a simple device that measures how hard you can breathe out. Lower than usual peak flow readings are a sign your lungs may not be working as well and that your asthma may be getting worse. Your doctor will give you instructions on how to track and deal with low peak flow readings. We will write a custom essay sample on Case study for bronchial asthma or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page Lung function tests often are done before and after taking a bronchodilator (brong-koh-DIE-lay-tur), such as albuterol, to open your airways. If your lung function improves with use of a bronchodilator, its likely you have asthma. Tests and diagnosis By Mayo Clinic staff Physical exam To rule out other possible conditions — such as a respiratory infection or chronic obstructive pulmonary disease (COPD) — your doctor will do a physical exam and ask you questions about your signs and symptoms and about any other health problems. Tests to measure lung function You may also be given lung (pulmonary) function tests to determine how much air moves in and out as you breathe. These tests may include: Spirometry. This test estimates the narrowing of your bronchial tubes by checking how much air you can exhale after a deep breath and how fast you can breathe out. Peak flow. A peak flow meter is a simple device that measures how hard you can breathe out. Lower than usual peak flow readings are a sign your lungs may not be working as well and that your asthma may be getting worse. Your doctor will give you instructions on how to track and deal with low peak flow readings. Lung function tests often are done before and after taking a bronchodilator (brong-koh-DIE-lay-tur), such as albuterol, to open your airways. If your lung function improves with use of a bronchodilator, its likely you have asthma.

Friday, April 17, 2020

Make me laugh essay contest free essay sample

After a long day, they had terrible news. The news was that the elevator was broken and they would have to climb 75 flights of stairs to get to their room. They thought of a way to pass the time and finally got an Idea. They could talk about things Lethe way pulp Bill said to them, lets break the pain of this task doing something else. Ill tell jokes for 25 flights, then Jim can sing for 25 flights, and Scott can tell sad stories the 25 more flights the way. For 25 flights Bill said jokes. Most of the Jokes were terrible.He teller all the Jokes he could! Most made no sense. But soon enough it was Jims turn. At the 26th floor Bill stopped telling Jokes and Jim began to sing. He sang all of there favorite songs. He also sang songs to annoy them. At the 50th floor they thought he was terrible. We will write a custom essay sample on Make me laugh essay contest or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page But soon enough It was Scoots turn. At the 51st floor Jim stopped singing and Scott began to tell sad stories. He told sad stories about his life. Some were happy. At the 75th floor he said something they all will hate him for. l will tell misaddress story first, he said. the room key in the car! I left finally got an idea. They could talk about things Lethe way pulp could! Most made no sense. But soon enough It was Jims turn. Something they all will hate him for. I will tell misaddress story first, he said. Bill, Jim, and Scott were at a convention together l left finally got an idea. They could talk about things Lethe way up! Bill said to them, lets break the pain of this task doing something else. Ill tell Jokes For 25 flights Bill said Jokes. Most of the Jokes were terrible. He teller all the Jokes he they thought he was terrible. But soon enough it was Scoots turn. Something they all will hate him for. l will tell misaddress story first, he said.

Sunday, April 12, 2020

Sample DBQ Essay Ap World History

Sample DBQ Essay Ap World HistoryAs with any classroom assignment, sample DBQ Essay applications are the best way to get your students excited about writing a history or world history test. But this article isn't just about a sample application for the DBQ Essay course, but rather about how students can get ready for their World History exam by asking questions about one of America's greatest inventions. Here is an example, based on the famous Declaration of Independence and the introduction of the Declaration of Independence.In my World History class last year, I assigned our students to create three short stories based on their country's historical heroes, a subject that has fascinated me for many years. Students who wrote on the history of the United States were assigned to write a short story about Thomas Jefferson. Unfortunately, I haven't been able to locate a copy of this assignment, so I can't tell you exactly what I had in mind, but my guess is that he was an American hero w ho helped to create the American Constitution.Interestingly, Thomas Jefferson led a series of other Founding Fathers when he refused to sign the Treaty of Paris that gave Great Britain control of the Ohio River Valley, which includes parts of Kentucky, Indiana, Illinois, and Michigan. He also worked hard to prevent the importation of slaves into the United States. I was so intrigued by Jefferson that I began to wonder about his life story. After all, he was a man of extraordinary achievement, but then again, so was the writer and composer William Shakespeare.Well, there are many parallels between them, especially when it comes to English literature and poetry. The English language and culture, as they are today, are so different from the one that Shakespeare lived in and the one that America was founded upon. But Shakespeare was born in the late 1400s, two generations after Jefferson's birth, so I thought it might be a good idea to base one of my World History test essays on his wor k.Here is a brief sample essay for students to use: 'The English Language And The American Story: One Writer And His Fantasies.' In this essay, we'll examine the similarities and differences between American and English language. We'll then examine the influence of French on American culture. We'll conclude with a discussion of Thomas Jefferson and the Founding Fathers. Please note that some of the essay content can be found in other versions of this lesson.Let's begin by talking about the similarities between English and American. I mentioned earlier that English and French are extremely different languages. Here are some examples of those differences, which are very similar:While both English and French words have five letters, American has seven. Many words in English have fewer than five letters, which is considered 'weak,' while English is considered 'strong.' On the other hand, French has only six letters, and many French words, including capitalized ones, have no umlauts. Add itionally, when used in writing, most French words sound more like German or Greek than English. If you find any other similarities between the languages, let me know in the comments.

Saturday, March 14, 2020

Builders pf great Rome essays

Builders pf great Rome essays Builders of a Beautiful Kingdom The Ancient Roman culture had a direct impact on how we view art, literature, architecture, education and religion. Early Roman civilizations were very sophisticated and idealistic. They build great architectural buildings and performed famous playwrights at these ancient places. Romans were considered to most advanced civilization of their time. With beautiful statues, well designed buildings, and some of the greatest philosophers came from Rome. One of the most noticeable characteristics of Roman society and culture is the impact of the Greeks. Greek civilization played an increasing role in Roman culture. Greek ambassadors, merchants, and artists traveled to Rome and spread Greek thought and practices. After Romes conquest of the Hellenistic Kingdoms, Roman military commanders shipped Greek art and ancient manuscript back to Rome. Every area of Roman life, from literature and philosophy to religion and education, was influenced by Greek models. Greeks were in much deman d as tutors, musicians, doctors, and artists. Latin translations of Greek plays for presentation at public festivals introduced Romans to the world of Greek theater. The Romans wore Greek costumes and Greek masks. The Romans were also dependent on the Greeks for artistic inspiration. In the third and second centuries B.C. the Romans adopted many features of the Hellenistic style of art. The Romans excelled in achitecture and in beautiful are. They also built bridges and aqueducts, amphitheaters, and tenement buildings, the Romans also constructed a series of highways that traversed the Roman word and linked it all together. The Romans also developed a taste for Greek statures which they placed not only in public buildings, but in their private houses. Greek knowledge was a crucial ingredient in education, schools taught by professional teachers emerged to supply this need. The ...

Wednesday, February 26, 2020

Contracting With the Federal Governemnt Essay Example | Topics and Well Written Essays - 500 words

Contracting With the Federal Governemnt - Essay Example There are two negotiation styles competition and cooperation. Cooperative involves forest contracts that are long-term with ongoing relation to the contractor (Frey & Frey, 2001, p. 18). Government contracts in sealed bidding are competitive when the relevant requirements are clearly complete and accurate. An invitation made to bid is the method used in sealed bidding. It includes the condition of purchase, payment, packaging, shipping and delivery all these are to be submitted before the deadlines the designated invitation time for will allow the bids to be available at the purchasing office. The bids are then read to the buyers and recorded. The contract is then awarded to a low bidder who is determined by what the government needs and what the agency has to offer (Frey & Frey, 2001, p. 150). Changes in the contract- The needs of the state change regularly, the contracts, have a clause that authorizes the government to change the terms of the agreement that can steer the contract the way the government wants, but within the borders of the agreement. If the contractor does not agree to these changes or be flexible for them, then, the contract can be terminated (Frey & Frey, 2001, p. 450). The benefits derived from the microfinance are accessible; since banks do not give small size loans with this the individuals are able to get loans to get cards from banks that they can use to finance their