Credit Risk Management in the UK Banking Sector

Credit Risk Management in the UK Banking Sector Foundation 3 Writing Review 7 Finding out why and how banking credit chance presentation is developing as of late 8 Perceiving how banks use credit hazard assessment and evaluation instruments to relieve their credit chance introduction 11 The means and techniques utilized by banks to recognize, plan, delineate, characterize a structure, build up an investigation and alleviate credit chance 13 Decide the connection between the hypotheses, ideas and models of credit chance administration and what goes on for all intents and purposes in the financial world 17 Find out the extension to which ingenious credit chance administration can liven up bank execution 19 To assess how controllers and government are helping the banks to distinguish, relieve credit hazard, and assisting with embracing the hazard based techniques to build their benefit, and offering help on ceaseless premise 20 Examination Methodology 21 Investigation 23 Discovering why and how banking credit chance presentation is developing as of late 23 Perceiving how banks use credit hazard assessment and appraisal devices to moderate their credit chance presentation 25 The means and strategies utilized by banks to distinguish, plan, outline, characterize a system, build up an investigation and relieve credit hazard 31 Decide the connection between the hypotheses, ideas and models of credit chance administration and what goes on for all intents and purposes in the financial world 35 Learn the degree to which ingenious credit chance administration can liven up bank execution 38 To assess how controllers and government are helping the banks to recognize, moderate credit hazard, and assisting with embracing the hazard based methodologies to expand their productivity, and offering help on nonstop premise 40 Essential Survey 45 Ends 46 Suggestions 50 List of sources 56 Foundation The sub-prime home loan emergency that hit the worldwide financial segment in 2007, was a consequence of conditions, activities and repercussions that started years sooner (Long, 2007). It, the sub-prime home loan emergency, depended on unsound ground from its initiation. Sub-prime home loans speak to advances made to borrowers that have lower appraisals in their credit than the standard (investopedia, 2007). Because of the lower borrower FICO score, they don't meet all requirements for what is named as a traditional home loan because of default chance (investopedia, 2007). Sub-prime home loans subsequently steal a higher financing cost to away set the hazard increment, which assisted with filling the United States economy through expanded home possession, and the chaperon spending that goes with it (Bajaj and Nixon, 2006). Actualized by the Bush organization in the United States to get this show on the road after the downturn fuelled by the September eleventh air assaults, the whole arrangement started to reverse discharge as right on time as 2004 because of the kept structure of new lodging without the interest (Norris, 2008). The new development glutted the market cutting down house costs. This, combined with an easing back economy in the United States brought about cutbacks, just as numerous subprime contract holders defaulting on their credits, and the emergency expanded. Some property the over loaning of subprime home loans to ruthless loaning (Squires, 2004, pp. 81-87) alongside the fundamental issues of utilizing it as a monetary improvement bundle that didn't control the cutoff points on new lodging (Cocheo, 2007). That situation spoke to the reason for the subprime contract emergency that spread comprehensively because of the fixing of credit due to defaulted advance sell offs and confined financial loaning roofs brought about by the Basel II Accords (Peterson, 2005). The multifaceted nature of the prior will be additionally clarified in the Literature Review area of this examination. The former outline venture through the subprime contract emergency was directed to uncover the way in which banking credit crunches can and do happen. The hugeness of the previous to this investigation speaks to a guide to stir us to the outside components that can and do cause banking credit emergency circumstances, along these lines uncovering that regardless of g ood administration practices such occasions can show themselves. It is likewise evident that poor or remiss financial practices can have similar impacts. Credit chance administration speaks to the evaluating of the hazard in seeking after a specific course, as well as approaches (Powell, 2004). Notwithstanding the prior U.S. made subprime contract emergency, the presence of new types of money related instruments has and is causing an issue in acknowledge hazard the board for respect to the financial division. As the universes second biggest money related focus, the United Kingdom is dependent upon exchange volumes that expansion the dangers the financial segment takes as such huge numbers of new types of budgetary instruments land there first. McClave (1996, p. 15) furnishes us with a comprehension of bank hazard that opens the domain to give us a review of the issue by letting us know: Banks must oversee chance all the more equitably, utilizing quantitative aptitudes to comprehend portfolio information and to foresee portfolio execution. Therefore, chance administration will turn out to be more procedure situated and less subject to people. Angelopoulos and Mourdoukoutas (2001, p. 11) enhance the previous in expressing that Banking hazard the board is both a philosophical and an operational issue. They include: As a philosophical issue, banking hazard the executives is about mentalities towards chance and the result related with it, and methodologies in managing them. As an operational issue, chance administration is about the ID and order of banking dangers, and strategies and methods to gauge, screen, and control them. (Angelopoulos and Mourdoukoutas, 2001, p. 11) In closing, Angelopoulos and Mourdoukoutas (2001, p. 11) disclose to us that the two methodologies are truly not separated, as well as free structure one another, and that mentalities concerning hazard add to deciding the rules for the estimation of hazard just as its control and observing. The exploration that has been directed has been assembled to address credit hazard the executives in the United Kingdom banking part. So as to liken such, information has been assembled from every single notable source, paying little mind to their area as essential financial methods stay steady around the world. References explicit to the European Union and the United Kingdom were utilized in those examples when the subtleties of enactment, laws, approaches and related variables directed and prove an abnormality that was explicit. As far as significance, credit chance is one of the most significant capacities in banking as it speaks to the establishment of how banks win cash from saved finances they are endowed with. This being the situation, the way wherein banks deal with their credit hazard is a basic segment of their exhibition over the close to term just as long haul. The suggestions are that todays choices sway the future, consequently banks can't move toward current productivity without taking measures to guarantee that choices made in the present don't affect them adversely later on (Comptroller of the Currency, 2001). An all around planned, working and oversaw credit chance rating framework advances the wellbeing of a bank just as sufficiency as far as settling on educated choices (Comptroller of the Currency, 2001). The framework works by estimating the various sorts of credit chance through separating them into bunches that separate hazard by the hazard presented. This empowers the board just as ban k inspectors to screen patterns and changes to chance introduction, and this limit hazard through differentiating the kinds of hazard taken on through division (Comptroller of the Currency, 2001). The kinds of credit chances a bank faces speaks to an expansive exhibit of standard, which means old and builds up sources, just as new fields that are creating, picking up favor, or potentially affecting banks because of the snugness of worldwide financial that makes a far reaching influence. The previously mentioned subprime emergency had such an impact in, that the closeness of the worldwide financial network quickened improvements. The deregulation of banking has expanded the hazard stakes for banks as they presently can take part in a wide exhibit of loaning and speculation rehearses (Dorfman, 1997, pp. 67-73). Banking credit chance has been affected by innovation, which was one of the contributing components in the subprime emergency (Sraeel, 2008). Innovation impacts banks on the two sides of the coin in that processing power and new programming grants banks to devise and use recorded hazard figurings in comparing present hazard structures. In any case, for what it's worth wit h all recipes, they are just as successful as the boundaries entered (Willis, 2003). The interconnected idea of the worldwide financial framework implies that bank hazard has expanded because of the snappy way wherein money related instruments, credit chance exchange, and different frameworks, as well as types of hazard are dealt with. The Bank for International Settlements drove a board of trustees that investigated Payment and Settlement Systems, which impacts all types of banking credit hazard, both new structures just as long standing set up ones in advances, speculations and different fields (TransactionDirectory.com, 2008). The report shows that while innovation and correspondence frameworks are and have expanded the effectiveness of banking through inside administration just as banking frameworks, these equivalent regions, innovation and interchanges frameworks additionally have and are adding to hazard. The multifaceted nature of the issues that emerge in a conversation of credit hazard the board implies that there are numerous terms that are relevant to the previous that are banking industry explicit to this territory. In introducing this material, it was esteemed that these exceptional terms would have more effect on the off chance that they were clarified, as far as their specific circumstance, as they happen to facilitate the undertaking of processing the data. This investigation will inspect credit chance administration in the UK banking part, and the previous accordingly will consider banking regu

Black House Chapter Twelve Free Essays

12 A FEW MINUTES LATER, the pickup staggers to an end between the remainder of the trees, where the macadam vanishes off course and tall grass. The Thunder Five’s bikes stand tilted in a flawless line a couple of yards ahead and off to one side. Wendell, who has supplanted Freddy Saknessum on the seat, gets out and pushes a couple of paces ahead, trusting that none of the ready fragrance of dried perspiration, unwashed tissue, and stale brew rising up out of his kindred travelers has clung to his attire. We will compose a custom exposition test on Dark House Chapter Twelve or then again any comparable theme just for you Request Now Behind him, he hears Freddy bouncing down from the rear of the truck as the others move out and shut the entryways without making anything else than twice as much commotion as essential. All Wendell can see from his position is the dismal, decaying back mass of Ed’s Eats ascending from a thick knot of Queen Anne’s ribbon and tiger lilies. Soft tones, one of them Beezer St. Pierre’s, come to him. Wendell gives the Nikon a fast once-finished, evacuates the focal point top, and wrenches another fold of film into place before moving with moderate, calm strides past the bicycles and at the edge of the demolished structure. Before long he can see the congested access street and the watch vehicle straddling it like an obstruction. Down near the roadway, Danny Tcheda and Pam Stevens fight with about six people who have left their vehicles tossed like toys behind them. That’s not going to work any longer: if Tcheda and Stevens should be a dam, the dam is going to get some genuine holes. Uplifting news for Wendell: a most extreme measure of disarray would give him much more room and make for an increasingly brilliant story. He wishes he could mumble into his recorder at this moment. The freshness of Chief Gilbertson’s power was apparent in the vain endeavors of Officers Tcheda and Stevens to turn around the quantities of those residents anxious to observer for themselves the most recent proof of the Fisherman’s craziness . . . Ok, something, something, at that point: however this columnist had the option to put himself at the core of the scene, where he felt glad and lowered to fill in as the eyes and ears of his perusers . . . Wendell hates to lose such awesome stuff, however he can't be certain he will recollect it, and he doesn't set out to face the challenge of being caught. He draws nearer to the front of Ed’s Eats. The unassuming ears of the open take in the sound of Beezer St. Pierre and Dale Gilbertson having a shockingly agreeable discussion legitimately before the structure; according to the general population watch Jack Sawyer strolling into see, an unfilled plastic pack and a baseball top swinging from the fingers of his correct hand. The unassuming nose of the open reports a genuinely dreadful smell that ensures the nearness of a decaying body in the pitiful little structure to one side. Jack is moving somewhat more rapidly than expected, and in spite of the fact that plainly he is simply setting off to his pickup, he continues looking from side to side. What’s going on here? Brilliant Boy looks all around stealthy. He’s acting like a shoplifter simply stuffing the treats under his jacket, and brilliant young men shouldn’t carry on that way. Wendell raises his camera and spotlights in on his objective. There you are, Jack old kid, old individual, old game, fresh as another bill and twice as sharp. Search lovely for the camera, presently, and let us see what you’ve got in your grasp, alright? Wendell snaps an image and watches through his viewfinder as Jack moves toward his truck. Brilliant Boy is going to stash those things in the glove compartment, Wendell thinks, and he doesn’t need anybody to see him do it. Really awful, kid, you’re on Candid Camera. What's more, not good enough for the pleased at this point humble eyes and ears of French County, since when Jack Sawyer arrives at his truck he doesn't move in however hangs over the side and messes with something, giving our honorable writer a fine perspective on his back and that's it. The honorable columnist snaps a photo in any case, to set up a succession with the following photograph, in which Jack Sawyer gets some distance from his truck flat broke and not, at this point quick. He reserved his grimy fortunes back there and got them far out, however what made them treasures? At that point a lightning jolt strikes Wendell Green. His scalp shudders, and his crimped hair takes steps to fix. An incredible story just turned out to be unfathomably extraordinary. Naughty Murderer, Mutilated Dead Child, and . . . the Downfall of a Hero! Jack Sawyer leaves the ruin conveying a plastic pack and a Brewers top, attempts to ensure he is in secret, and conceals the stuff in his truck. He found those things in Ed’s Eats, and he saved them directly under the nose of his companion and admirer Dale Gilbertson. Brilliant Boy expelled proof from the area of a wrongdoing! Also, Wendell has the confirmation in movie form, Wendell has the products on the self important Jack Sawyer, Wendell will carry him down with one god-god-like immense accident. Man goodness man, Wendell wants to move, he does, and can't control himself from executing a cumbersome dance with the brilliant camera in his grasp and a messy smile all over. He feels so great, so triumphant, that he nearly chooses to disregard the four numbskulls sitting tight for his sign and simply pack it in. In any case, hello, let’s not get all warm and fluffy here. The grocery store tabloids are gasping for a decent, horrifying photo of Irma Freneau’s dead body, and Wendell Green is the man to offer it to them. Wendell steps toward the front of the destroyed structure and sees something that stops him cold. Four of the bikers have gone down to the finish of the congested path, where they appear to help Tcheda and Stevens dismiss the individuals who need to get a decent glance at all the bodies. Teddy Runkleman heard that the Fisherman stowed at any rate six, perhaps eight half-eaten kids in that shack: the news developed increasingly more electrifying as it separated through the network. So the cops can utilize the additional assistance, however Wendell wishes that Beezer and team were passing the top over things as opposed to assisting with keeping it on. He arrives at the finish of the structure and companions around it to see everything that is going on. On the off chance that he is to get what he needs, he should hang tight for the ideal second. A second FLPD vehicle noses in through the vehicles drifting out on 35 and climbs past Tcheda’s vehicle to swing onto the weeds and rubble before the old store. Two youngish low maintenance cops named Holtz and Nestler get out and walk around Dale Gilbertson, making a decent attempt not to respond to the odor that gets all the more sickening with each progression they take. Wendell can see that these chaps have significantly more trouble covering their consternation and awe at seeing their boss occupied with evidently friendly discussion with Beezer St. Pierre, whom they most likely suspect of heap anonymous violations. They are ranch young men, UW?CRiver Falls dropouts, who split a solitary compensation and are making a decent attempt to measure up as cops that they will in general observe things in inflexible highly contrasting. Dale quiets them down, and Beezer, who could get every one of them with one hand and crush their skulls like delicate bubbled eggs, grins benevolent ly. In light of what more likely than not been Dale’s orders, the new young men run down to the parkway, in transit throwing reverential looks at Jack Sawyer, the poor saps. Raise meanders to Dale for a little confab. Really awful Dale doesn’t realize that his amigo is disguising proof, hah! Or on the other hand, Wendell considers, does he know would he say he is in on it, as well? One thing’s without a doubt: it will amount to practically nothing, when the Herald runs the obvious pictures. Meanwhile, the buddy in the straw cap and the shades just stands there with his arms collapsed over his chest, looking tranquil and sure, similar to he has everything so leveled out that even the smell can’t contact him. This person is clearly a key player, Wendell thinks. He gives orders. Brilliant Boy and Dale need to keep him glad; you can see it in their non-verbal communication. A pinch of regard, of concession. On the off chance that they are concealing something, they’re doing it for him. Be that as it may, why? Also, what the demon right? The person is moderately aged, some place in his fifties, an age more seasoned than Jack and Dale; he is too a la mode to even think about living in the nation, so he’s from Madison, possibly, or Milwaukee. He is clearly not a cop, and he doesn’t resemble a specialist, either. This is one confident mother; that comes through boisterous and clear. At that point another squad car breaks the protections down on 35 and moves up adjacent to the part-timers’. Brilliant Boy and Gilbertson approach it and welcome Bobby Dulac and that other one, the fat kid, Dit Jesperson, however the buddy in the cap doesn’t even glance toward them. Presently, that’s cool. He remains there, without anyone else, similar to a general looking over his soldiers. Wendell watches the secret man produce a cigarette, light up, and breathe out a tuft of white smoke. Jack and Dale walk the fresh introductions into the old store, and this feathered creature continues smoking his cigarette, superbly disengaged from everything around him. Through the spoiling divider, Wendell can hear Dulac and Jesperson whining about the smell; at that point one of them snorts Uh! at the point when he sees the body. â€Å"Hello boys?† Dulac says. â€Å"Is this poo no doubt? Hi boys?† The voices give Wendell a decent fix on the area of the cadav er, route back against the far divider. Before the three cops and Sawyer start to rearrange toward the front finish of the store, Wendell inclines out, points his camera, and snaps a photo of the puzzle man. Regrettably, the Cat in the Hat quickly glances in his area and says, â€Å"Who took my picture?† Wendell jerks himself once again into the security of the divider, however he realizes the person more likely than not seen him. Those shades were pointed right at him! The person has ears like a bat he got th

Calvn Coolidge essays

Calvn Coolidge papers A Look Back on the Coolidge Presidency Calvin Coolidge turned into the 30th President of the United States of America after the sudden demise of Warren G. Harding. Numerous history specialists take a gander at the Coolidge administration as one that had no activity. He is regularly excused as a political naif, nitwit, and languid nonconformist, a relic from the nineteenth century, whose organization set up for the Incredible Depression (Sobel 3). In spite of what antiquarians think, Coolidge put our nation on pace of turning into the most remarkable nation on the planet through business. In spite of the fact that he is accused for the Great Depression, he changed the American point of view toward economy Coolidges political way of thinking was something that he never changed all all through his political profession. Many commented that Coolidge was a cunning and shrewd legislator, yet he was additionally an instructor of ethics and morals who had faith in the natural decency of humankind, which had been debased by government and other outside powers. Some portion of that ethical quality was a disavowal of realism, a focal part of Garmans reasoning to which Coolidge followed for an amazing remainder which may shock the individuals who think of him as a philistine (Sobel 120). Mr. Coolidges virtuoso for dormancy is created to an extremely high point. It is far from being a sluggish action. It is a dreary, decided, ready dormancy which keeps Mr. Coolidge involved continually. No one has ever worked more earnestly at latency, with such power of character, with such unremitting scrupulousness, with such reliable dedication to the undertaking. Latency is a political way of thinking and a gathering program with Mr. Coolidge, and no one should confuse his resolute adherence to it with a delicate and simple want to allow things to slide. Mr. Coolidges dormancy isn't simply the nonattendance of action. It is, despite what might be expected, a consistent a... <!

Biology Tutor Mitosis and Meiosis-what’s the big deal

If you have decided to study biology, at some point (probably sooner rather than later), you will have to learn about meiosis and mitosis. Some concepts in biology, you can learn about in an introductory course and you may never, ever have to face them again. Meiosis and mitosis are not these kinds of concepts. Whatever you decide to do, as long as it involves biology, you will have to have a very good grasp on these concepts. You may not have to know the mechanistic details of all the steps of these divisions, but you will have to know what these kinds of cell divisions are and some basic information about them. Let’s go over some of the basics together Mitosis is the method by which asexual cells divide and grow. This process happens in 4 steps called prophase, metaphase, anaphase and telophase. Meiosis is the method by which sexual cells divide to produce gametes. During the course of meiosis, the cell goes through two sets of cell divisions, meiosis I and meiosis II. Each meiosis comprises the 4 steps mentioned in mitosis, so the order of steps for meiosis is: prophase I, metaphase I, anaphase I , telophase I, prophase II, metaphase II, anaphase II and telophase II. Unique to meiosis is the exchange of genetic material between homologous chromosomes during prophase I. This process (named crossing over) is crucial to the generation of genetic diversity. Main differences between mitosis and meiosis. In thinking about this, I like to organize the material into a table. Mitosis Meiosis Number of daughter cells for each mother cell 2 4 Amount of genetic material in daughter cells 2N (remains the same as the mother cell) N (half that of the mother cell) Genetic identity of daughter cells with the mother cell Identical Not identical (due to crossing over) Cells undergoing this division All cells Only sex cells So what is the best way to fully understand these concepts? In learning about mitosis and meiosis you will have to first go over the material covered in your specific book. Once you have read all the material in the book and feel you fully understand it, I always recommend that you draw a cell with a small chromosome number (I usually prefer N=3 or 4), and use a different color for depicting each chromosome. Then you take the cell through all the steps of mitosis on one side of your notebook page, and through all the steps of meiosis on the other side of your notebook page (always keep track of each chromosome by using the appropriate color). Make sure to include the crossover event between homologous chromosomes when taking the cell through meiosis. If you can do this kind of exercise without any difficulty, you have truly mastered meiosis and mitosis and are ready to tackle other biological topics that build on these concepts. If you're still confused, consider reaching out to a biology tutor. Call Cambridge Coaching for a free consultation today!

Jumbled-Letter Game for Vocabulary Teaching - 3358 Words

IMPROVING STUDENT’S VOCABULARY BY USING JUMBLED-LETTER GAME IN ENGLISH LANGUAGE TEACHING CONTEXTS By: Nora Fudhla A. Background For some language teachers, teaching vocabulary is challenging, especially in English Language Teaching classroom. Nowadays, the teacher should provide a vocabulary teaching which avoiding vocabulary list memorization or vocabulary translation. Besides, the teacher also should consider about the students’ different ability to master vocabulary. Some language students may master new vocabulary faster than others and some of them may find many difficulties to master new vocabulary. On the other side, some students may master or memorize some vocabulary but they cannot spell the word correctly. Although†¦show more content†¦One of the best ways of doing this is through language games. According to Wittgeinstein (as cited by Xanthos, 2006) language games refer to games which enable language learner to learn the language. It means that the learner may use certain games as media to learn language. Cross (1992) and Martin (2000) said that language games are effective teaching tools and have many positive aspects, such as creating a relaxed, friendly, and cooperative environment. While Mc Cabe (1992) defined language game is an activity to be repeated by two or more player in language teaching. The repetition enable students to communicate effectively since playing language games will help children develop their language learning and thought. Ersoz (2000) said that language games are highly motivating because they are amusing and interesting. They can be used to give practice in all language skills and be used to practice many types of communication. Games also help the teacher to create contexts in which the language is useful and meaningful. The students want to take part and in order to do so they must understand what others are saying or have written, and they must speak or write in order to express their own point of view or information. Then, Uberman (2008) stated that language games can be used to recall and revise language materials in a pleasant, entertaining way. Even if games resulted only in noise and entertained students, they are still worthShow MoreRelatedCommunicative Language Teaching15330 Words   |  62 PagesCommunicative Language Teaching Today Jack C. Richards cambridge university press Cambridge, New York, Melbourne, Madrid, Cape Town, Singapore, Sà £o Paulo Cambridge University Press 32 Avenue of the Americas, New York, NY 10013-2473, USA www.cambridge.org  © Cambridge University Press 2006 This book is in copyright. 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Frankenstein, By Mary Shelley - 934 Words

Throughout the novel Frankenstein, Mary Shelley shows the creature and his creator Victor Frankenstein as similar in many ways. Through these similarities, Shelley tries to express to the reader how they can find similarities with others around them, and relate to one another. Especially as the novel progresses, Shelley reveals these similarities as the characters develop. Though on the surface they may seem on two opposite ends of the spectrum, digging deeper shows that the creature and Frankenstein share many characteristics. They both share a trait of seclusion, a wanting for vengeance, as well as a drive to gain more knowledge about certain topics. Shelley purposefully put these similarities in the book to show how humans can relate to one another, regardless of how different they seem. Soon after the monster comes into existence, he finds trouble fitting in and socializing with others. In fact, he struggles to even approach anyone without getting a reaction of disgust or fear. As an outcast, he displays traits of loneliness and seclusion from everyone he comes in contact with. Shelley portrays the creature as independent, showing that he has no choice but to go on his own. Frankenstein shows traits comparable to the monster in this way. He also shows traits of isolation from others. While capable of socializing with others, he chooses to dedicate his time to his studies, research, and experiments. Shelley presents Victor as a loner through his own decision, while theShow MoreRelatedFrankenstein, By Mary Shelley1650 Words   |  7 Pagesbook of Frankenstein does one just think of a mythical science fiction book that really has no meaning? Frankenstein can have numerous meanings depending on how a person perceives it. Frankenstein can be analyzed into many themes; s ome say religion, feminism, or scientific symbolization, it all depends on ones own perception. 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Financial Analysis of ThaiBev Samples for Students-Myassingment

Question: Discuss about the Financial Analysis of ThaiBev. Answer: Summary of ThaiBev ThaiBev well known as the Thai Beverage is one of the Thailands largest as well as one of the Southeast Asia largest beverage forms, with distilleries across France, China, Scotland, Thailand and Ireland established in the year 2003 (ThaiBev 2017, pg 1). It has a market cap exceeding $4 billion. It was registered in Singapore Exchange market in 2016 with a market capitalization of around $18 billion. Subsequently, this company expanded its operations to food and non-alcoholic beverages sectors in order to diversify its product portfolio, mitigate business risks as well as enhance logistic efficiency. ThaiBev distributes and owns numerous significant brands across the globe including Mekhong, SangSom rum and Chang beer. In addition, this company has significant operations across Europe, producing mart Scotch whisky, liqueurs, gin and vodka with above twenty distilleries in Ireland, France, Scotland and Poland (ThaiBev 2017. Pg 1). Its assets comprises of around 18 distilleries in Thai land, 3 state-of-art breweries across Thailand as well as 5 Scotch whisky distilleries across Scotland. Currently, ThaiBev is viewed as not only the Thailands leading manufacturer of beverages, but it is viewed as Asias leading beverage manufacturer. It operations comprises of four key sections; that is, beer, food, spirits and non-alcoholic beverages. It has around 127 subsidiaries comprising of 11 non-alcohol beverage, 18 distilleries and around 3 breweries. Furthermore, ThaiBev has a widespread distribution network covering around 400,000 sales points in Thailand. The company also has an international presence in more than 90 nations and engages in numerous distillery operations in the international market; with around 5 production facilities across Scotland. Attaining business sustainability from diversified revenue is core to ThaiBev (ThaiBev 2017, pg 1). This comprises of increasing income contribution from its non-alcohol beverage section and international sales. Its expansion in the non-alcohol beverage segment is a crucial portion of its business strategy in order to be a leading beverage distributor and producer across the region. Its extensive and robust distribution network is the key strengths and the main aspect that elevated the company to achieve its leadership position across Thailands beverage market. The company has over 7,000 delivery trucks that distribute their products to around 400,000 outlets within the region (ThaiBev 2017, pg 1). In addition, ThaiBev has established around 1,000 direct sales persons in providing their sales services as well as managing visibility of its products on the store shelves. In the year 2013, this company armour-plated its domestic delivery gird through creation of the Modern Trade Managem ent Ltd in distribution its non-alcoholic and alcoholic beverages to the modern trade operators (ThaiBev 2017, pg 1). In addition, ThaiBev founded the HORECA Managemnt Ltd in the year 2014 to close gaps in its distribution channels in the luxury restaurants and hotels and in providing it with benefits of a complete coverage of segments and in introducing its international premium products to upmarket in Thailand (ThaiBev 2017, pg 1). With these considerations, this paper present financial ratio analysis of ThaiBev for the past two years. Ratio Analysis Financial ratio analysis is a crucial aspect in finance. It is usually a quantitative analysis of an organizations financial data (El-Bassiouni 1991, pg 230). It is usually based on the line items in the organizations financial statements (Agyei-Mensah, 2015, pg 2). In essence, ratio analysis is useful since it is used in evaluating numerous factors of an organizations operating as well as financial performance like its liquidity, solvency, profitability as well as efficiency. Trend of such ratios over time is used in evaluating whether the companys performance is deteriorating or improving over time (Nissim Penman 2001, pg 110). In addition, ratios can also be compared across numerous firms operating in the same industry in order to evaluate how they stack up and to get a clear idea of the comparative valuations (Gadoiu 2014, pg 94). Generally, ratio analysis comprises of looking at the relationship in between individuals values and then relating them to how an organization has per formed over the last few years and how it may perform in future (Nissim Penman 2003, pg 532). Based on these considerations, price earnings ratio, net asset value, earning per share as well as dividend yield for ThaiBev in the latest period would be evaluated in order to establish its weaknesses and strengths over the period. Earning per share (EPS) EPS is usually viewed as portfolio of an organizations profit which is allocated to every outstanding shares of the common stock, serving as a signal of an organizations profitability. It is usually computed by dividing an organization net profit or income by the outstanding shares. In this case, ThaiBev EPS for the latest period would be as follows; 2015 = 26,463/25,110 = 1.05 (Trading Economics 2017) 2016 = 18,832.5/25,110 = 0.75 Price earning ratio (PE) This is the financial ratio used in evaluating an organizations current share price in relation with per-share earnings (Fama French 2000, pg 163). Basically P/E ratio is a useful financial metrics for assessing relative attractiveness of an organizations stock price relative to current earnings. It is usually computed by dividing net income by the market capitalization. In this case, ThaiBev P/E ratio for the latest period would be as follows; 2015 =0.68/1.05 = 0.648 (Yahoo finance, 2017) 2016 = 0.71/0.75 = 0.95 Dividend yield This is the financial ratio that is used in indicating how much an organization pays out in terms of dividend every year relative to the share price (Agyei-Mensah, 2015, pg 5). It is usually represented as the percentage and could be computed by dividing dividends paid per share by price per each share. In essence, dividend yield is usually a mean of measuring how much cash inflow an organization would be getting for every dollar invested in the equity position. In this case, ThaiBev dividend yield for the latest period would be as follows; 2015 = 0.61/0.68= 0.897 2016 = 0.66/0.71= 0.93 Net asset value This is the financial value of an organizations assets minus value of total liabilities. It might also be similar to book value or equity value of an organization. In essence, net asset value could be used to represent value of total equity in an organization (Gadoiu 2014, pg 87). It is usually computed by subtracting total liabilities from total assets and then dividing the outcomes by share outstanding. This financial aspect is crucial since it help at looking up an organizations stock price as it is a signal of how much a share is worth. In addition, NAV can assist investors in comparing performance of a sole fund to the other industry benchmarks. It usually assists in evaluating whether an investment is worth being pursued or not. In this case, ThaiBev NAVfor the latest period would be as follows; 2015 = (179,464-67,457)/25,110 = 4.46 2016 = (187,653-63941)/25,110 =4.93 Analysis and interpretation of financial ratio Based on the above computations, it is evident that ThaiBev is financial stronger. This is mainly based on the fact that, the companys P/E experienced an increasing trend over the past two years which was mainly attributed by an increase in its share prices over this period. In addition, ThaiBeve is financially stronger in that it has experienced an increasing trend in its net asset value which is as a result of increasing trend in its total assets and a decrease in its total liabilities over the years. The company also reported an increasing trend in its dividend yield over the last two years. This is another main strength for ThaiBev financial performance over the period. Furthermore, it is evident that ThaiBev is financially stable over the last two years since the company reported an increase in its net profit margin from 13.68% in 2015 to around 16.89% in the year 2016. In addition, given that ThaiBev return on equity increased as from 15.67% to 18.89%, it is evident that it is financially stronger. Furthermore, it is evident that ThaiBev is financially healthy over the last two years despite the decrease in its EPS over time. This is based on the fact that the company reported an increasing trend in its EBITDA margin and EBIT margin over the past two years. In addition, the company reported an increase in its ROA and its return on fixed assets over this period. This is also a clear sign that ThaiBev is financially healthy. Conclusion In conclusion, it is evident that ThaiBev is financially healthy and stable over the last two years. This is evident by increasing trend in its P/E ratio, net asset value as well as dividend yield, which is a clear indicator of how profitable an organization has been for the past two years. With these considerations, it is recommendable for potential investors to invest in ThaiBev due to its promising financial performance over the last two years. In essence, investing in ThaiBev would be a better investment option for potential investors as they are likely to enjoy relatively higher returns in future. References Agyei-Mensah, B. K. (2015). The Determinants of Financial Ratio Disclosures and Quality: Evidence from an Emerging Market. Viewed at 23rd April 2017 from; https://wbiworldconpro.com/uploads/japan-conference-2014/finance/1418112410_321-Ben-Jafe.pdf El-Bassiouni, MY 1991, A mixed model for loss ratio analysis, Astin Bulletin, 21(02), 231-238. Viewed at 23rd April 2017 from; https://www.casact.org/library/astin/vol21no2/231.pdf Fama, EF French, KR 2000, Forecasting profitability and earnings, The Journal of Business, 73(2), 161-175; Viewed at 23rd April 2017 from; https://manitobapork.com/wp-content/uploads/REF_7-_Fama01.pdf Gadoiu, M 2014, Advantages and limitations of the financial ratios used in the financial diagnosis of the enterprise, Scientific Bulletin-Economic Sciences, 13(2), 87-95. Viewed at 23rd April 2017 from; https://economic.upit.ro/repec/pdf/2014_2_9.pdf Nissim, D Penman, SH 2001, Ratio analysis and equity valuation: From research to practice, Review of accounting studies, 6(1), 109-154. Viewed at 23rd April 2017 from; https://www.columbia.edu/~dn75/Ratio_analysis_and_equity_valuation_From_research_to_practice.pdf Nissim, D Penman, SH 2003, Financial statement analysis of leverage and how it informs about profitability and price-to-book ratios, Review of Accounting Studies, 8(4), 531-560. Viewed at 23rd April 2017 from; https://www.columbia.edu/~dn75/financial.pdf ThaiBev 2017, ThaiBev dividend history; Viewed at 23rd April 2017 from; https://thaibev.listedcompany.com/dividend.html/?skipmobile=0 ThaiBev 2017, ThaiBev financial highlights; Viewed at 23rd April 2017 from; https://thaibev.listedcompany.com/highlights.html/?skipmobile=0 ThaiBev 2017, ThaiBev strategy; Viewed at 23rd April 2017 from; https://thaibev.listedcompany.com/strategy.html/?skipmobile=0 ThaiBev 2017, ThaiBev; our business; Viewed at 23rd April 2017 from; https://thaibev.listedcompany.com/business.html Trading Economics 2017, Thaibev Common Share Oustanding; Viewed at 23rd April 2017 from; https://www.tradingeconomics.com/y92:sp:common-shares-outstanding Yahoo finance. 2017. Thai Beverage Public Company Limited (Y92.SI) historic prices; https://sg.finance.yahoo.com/quote/Y92.SI/history?period1=1394571600period2=1452546000interval=1mofilter=historyfrequency=1mo

Samsung Galaxy SIII Product Features

Over the last two decades, almost everyone in the world has acquired a mobile phone. One of the leading mobile phone manufacturers in the world is Samsung (Schwartz, 2012). The company came up with their galaxy series a few years back with the Samsung Galaxy SIII being launched a few months ago. The previous version, Samsung Galaxy SII, is still being held by many Samsung enthusiasts.Advertising We will write a custom essay sample on Samsung Galaxy SIII Product Features specifically for you for only $16.05 $11/page Learn More The phone has one of the best hardware as well as software designs in as far as the smart phone market is concerned. The phone is quite light as it weighs only 116 grams, and this is complemented by the fact that it is quite slim at just 8.5mm. This, compared to its competitors such as the iPhone 4s and the Sony Ericson Experia arc, makes it the slimmest phone ever made. The phone has a 4.3 inch screen, which ensures that the user g ets an impressive video and visibility experience especially when reading. The screen has an excellent touch capability that ensures quick response and defined navigation. The fact that it has a Super-AMOLED screen means that it has a better power saving capability than its previous predecessors even with its huge size (Gralla, 2011). The manufacturers of the phone sought to provide the user with a real life experience by providing a resolution of approximately 480 x 800 pixels. The phone’s battery has a standby time of approximately 710 hours, which is more than some of its competitors such as the iPhone 4s, which maxes out at 300 hours. The phone comes with a dual-core processor, which is complemented by 1 GB of RAM. This makes it quite powerful to a point where there may not be enough phone operations to utilize its speeds fully. The phone comes in two options of 32 GB internal memory and 16 GB. This is complemented by a memory slot that accommodates up to 32 GB of memory (Schwartz, 2012). It also comes with an eight megapixel camera, which makes the user’s experience even more magical. This, coupled with its graphics capability, ensures that the user is able to enjoy high quality photos as well as personal videos. While its inbuilt sound may be wanting, the phone comes with impressive earphones that ensure quality sound especially when listening to music. The phone has a micro-USB slot and a data cable (Gralla, 2011). This makes it easier to transfer data to and from the phone. Even though the phone looks quite delicate, it is quite resistant to damage under the normal confines of phone usage.Advertising Looking for essay on business economics? Let's see if we can help you! Get your first paper with 15% OFF Learn More The phone runs on an android operating system preferably Gingerbread 2.3.3 with options of upgrades. This supports hundreds of thousands of applications, which go farther to maximize the users experience with the phone (Roebuck, 2011). It also supports multi touch where one can use pinch zoom to view a number of screens at the same time. The phone is gravity sensitive, which applies when changing the viewing format as well as when receiving calls and listening to music. It also comes with voice recognition, which applies when searching through documents and contacts. It supports voice command as well as voice talk, which allows one to engage directly with the phone and increase his or her experience (Roebuck, 2011). The phone may not be identified as one of the cheap alternatives in the market, but its steep price is worth once one gets a feel of it. References Gralla, P. (2011). Galaxy S II: The Missing Manual. New York: O’Reilly Media, Inc. Roebuck, K. (2011). Android: High-Impact Strategies – What You Need to Know: Definitions, Adoptions, Impact, Benefits, Maturity, Vendors. London: Emereo Pty Limited. Schwartz, S. (2012). My Samsung Galaxy S III. New York: Pearson Education . This essay on Samsung Galaxy SIII Product Features was written and submitted by user Matteo U. to help you with your own studies. You are free to use it for research and reference purposes in order to write your own paper; however, you must cite it accordingly. You can donate your paper here.

Representation of Culture in Japanese Animation Essays

Representation of Culture in Japanese Animation Essays Representation of Culture in Japanese Animation Essay Representation of Culture in Japanese Animation Essay RESEARCH PROPOSAL: REPRESENTATIONS OF CULTURE IN JAPANESE ANIMATION BY: ASHA JHINA ROLL NO. : 0914152 SUMITTED TO: DR. SAGARIKA GOLDER CHRIST UNIVERSITY BANGALORE Animation, more commonly known as cartoons is a very integral part of a child’s growing years. A medium which started out with a sole purpose of providing entertainment has progressed into a kind of a new-age education method. Cartoons/animations are not merely a tool to keep viewers occupied, it aims to familiarise people with their culture and their roots. Through this research paper I aim to isolate the very specifics of culture which are represented in media, especially cartoons. I have narrowed my research to ‘manga’ more commonly known as ‘anime’ which is the Japanese form of animation. Japan is known to have one of the oldest and strongest historical and cultural roots which are still relevant. Previous research has shown that people who are regular followers of anime do not watch it just as a form of entertainment but also to learn about a new and enigmatic culture. The Japanese are not one of the most outgoing people therefore a medium such as anime provides an interesting as well as visually appealing insight into their lives and culture. I wish to write my research paper by referring to the different kinds of work that has been done on this topic by others. This paper shall be based on facts collected through research and a survey among anime followers. By the end of this research I aim to draw parallels between Japanese culture and the content of different Animes.

Discussion on Darwin's Dangerous Ideas Essay Example | Topics and Well Written Essays - 500 words

Discussion on Darwin's Dangerous Ideas - Essay Example Dr. Charles Darwin came up with the great theory of evolution and the principle of natural selection in which only the best prepared organisms with the most desired genes live to maturity and mate to produce offspring with better traits to enable them survive in the environment with varied challenges. The theory has been largely used to explain the differences between organisms of similar species. Polar bears in the Antarctica regions are more hairy than those found in the Savanna regions in South America. The difference in these animals, as per Darwin’s explanation, results from the need of the polar bear to insulate from the stinging cold of the Antarctica regions. Darwin’s ideas are considered dangerous as they oppose the largely believed notion that God created all the animals with the uniqueness they posses. Darwin clearly explains that the environment in which an organism lives plays a major role in designing the features it posses. When man realized that he could find practical answers to the problems facing him, he started questioning the validity of the gospel spread by the church. Diseases like plague, malaria, cholera had their causes easily explained and treatment crafted from the very principle of their existence. This saw a mass boycott of followers from the church in mid 18th century. People started losing faith in the unseen and instead embraced science as it provided realistic solutions to the problems facing the people. This was unlike the ideas spread by the church where people believed that sufferings were as a result of sin and thus people were accustomed to embracing pain believing they were punishment for their past transgressions. Darwin observes that the warm and humid areas offer breeding ground for mosquitoes thus the high prevalence of malaria in such areas. Such findings are very practical and explain the prevalence of malaria in tropical Africa. Furthermore, from his

German Student Movement of the Late 1960s Essay Example | Topics and Well Written Essays - 750 words

German Student Movement of the Late 1960s - Essay Example The young Germans were of the view that the government failed to act and get over the post Nazi era. The students held that Nazi sympathizers were going unpunished and the people in authority had mentalities that were similar to those used to create the Nazi government. This and along with the many problems that existed in the university systems evoked sentiments of distrust and fear of the authorities among students. The grievances in the university system were associated with unfair representation of the students in their unions and university panels. The ex-Nazi professors brought the view that the administration was reminiscent of the infamous third Reich of the Nazi regime. The United States of America played a major role in influencing and determining the outcome of the 68er –Bwegung in West Germany. Though not physically, the United States clearly determined a clear path followed by the movement and contributed to the start of the riots. West Germany and America had clo se cultural and social relation after the war that helped in transnational exchange. The anti war movement in America instituted teach-ins that influenced the German student movement. The teach-ins produced intellectuals who shared an opinion that was in opposition to the Vietnam War. The war illustrated the worldwide spread of imperialism by America to the West German student organization, SDS, who saw the need for a global revolutionary alliance of activists of the first world against the cynical democracy that was the United States. Though the movement focused on the national grievances and problems in the university system at the time (Turner 166), the Vietnam War was a fundamental issue that was associated with the formation and sustaining of the German student movement. The transnational exchange system allowed the exchange of views as well as a sneak peak of the American society to Germans. This generated a part of the population that had more awareness of their rights and in creased civil rights actions. The increased popularity of left extremist movements converted many universities in West Germany into battlefields for ideas (Turner 166). The perception of the US government by the young generation started changing as they share views that are more liberal. The generation had a negative view of the occupation and thought their nation had not mastered its legacy in the post war period as because of the United States political influence. The students turned into critiques of the United States who joined the growing movements around the globe that were anti-America. Therefore, America through its social and cultural relation and activities with West Germany facilitated the arising of the German student movement as it resulted in creating intellectuals with more liberal views and civil rights awareness. The powerful uprisings in the united states in the 1950’s were significant in the emergence of the German student movement. Movements like the Afric an-American civil rights movement had strategies that advocated denunciation of a system and civil disobedience in order to attain equal rights for everyone. These beliefs and strategies motivated protesters, mostly students, to change their approach in protesting. They adopted methods that were more political, violent, and militant (Turner 171). The end of the Second World War saw the occupation of West Germany by the United States. The United States supported the government of Federal Republic of Germany, through the marshal plan, in its attempt to rebuild the economy and infrastructure. This resulted in developing a good relationship between the two nations and in the citizens of West Germany having a good opinion of America. The

Does America Want an Unmotivated Society Essay Example for Free

Does America Want an Unmotivated Society Essay I. Introduction Marijuana is the name given in the United States to the drug produced from the hemp plant Cannabis sativa. The use of cannabis derivatives under such names as hashish, charas, bhang, and ganja is widespread throughout the world. The most active ingredient of the plant derivative is tetrahydrocannabinol (THC). The potency of this chemical is indicated by the fact that the average street sample of marijuana contains less than .5% THC. Some samples are considerably higher in THC content; thus, effects from the drug vary according to its quality, meaning its THC content. The flowering parts of the plant contain the greatest amounts of THC (Goode 567). These are usually dried and smoked, but they may be made into a drink somewhat like tea or blended into various cooking recipes. Somehow, marijuana has been used for some medications but it is not a valid ground to legalize it because it has negative effects to human bodies. Moreover, marijuana is still illegal in most places. Under federal law a person can be sentenced to up to one year in jail or a $5000 fine, or both, for simple possession of marijuana. Every year about 400,000 people are arrested for possession; about 80 percent are under age 26. Marijuana is being used as legal medical therapy for several conditions. Careful studies have shown that it is effective in treating severe nausea in cancer patient undergoing chemotherapy. Older patients seem to respond less than younger patients do and complain more about side effects, including feeling â€Å"stoned.† The purpose of this present study is to scrutinize whether marijuana should be legalized or not. It will also tackle how marijuana will greatly affect the individuals that our country needs most, like the workforce or the man- power. II. Background Marijuana has been used for thousands of years, both as a medicine and for its intoxicating effects. In the form of tablets, marijuana is frequently prescribed to relieve the nausea and vomiting that often accompany chemotherapy. Its non-medical use, however, is illegal in the United States and most other countries. The penalties for possessing or using marijuana are, in many states, as severe as those imposed for the possession or use of much more potent drugs. Many argue that marijuana is no more harmful than cigarettes and liquor and should be legalized. Most marijuana used in United States is smoked—either as cigarettes or in pipes. Its effects vary with its strength, and to a great extent with the state of mind of the user (Earleywine 149). Typically, a sense of well being is experienced. In large countries, marijuana is considered as hallucinogen—a drug that produces hallucinations. Although marijuana does not produce a physical dependence in the user, there is evidence that it can produce psychological dependence. Research indicates that marijuana has serious effects on the body. It can impair memory, speech, and learning. It exposes the lungs to high levels of tar and to over 150 other chemicals. Many of these can irritate the lining of the lungs, causing inflammation and bronchitis in some cases. Marijuana decreases the production of male and female sex hormones and may cause infertility n some individuals. Pregnant women should refrain from smoking marijuana since it can cross the placenta and affect the fetus (Earleywine 150). Some authorities believe that the heavy use of marijuana may harm the body’s immune system by impairing the development of monocytes, cells that stimulate antibody production and kill foreign cells. Although no direct cause-and-effect link between found, a person who consistently uses marijuana may be likely to abuse other, stronger drugs. The use of marijuana can be dangerous to a person taking part in any activity in which quick reflexes and clear thinking are necessary (Goode 575). III. Discussion A. Effects of Marijuana Many perceptual and emotional effects follow marijuana smoking. Sensory experience may become more intense; smells are richer, textures feel more sensuous, objects are seen as more beautiful, sounds are more brilliant, and ideas flow more freely, although they may be disjointed. The person may experience an emotional high in which he or she feels joyful, tranquil, and happy. The effects of marijuana, however, are like those of other drugs; they very much depend on the person and the setting. Taken in a pleasant, relaxed social situation, marijuana can be quite unpleasant (Earleywine 123). Also, people who are naturally paranoid, suspicious, or aggressive may become more so under the influence of marijuana; the calm, better-adjusted users are more apt to experience a euphoric high. Moreover, most people use marijuana for the altered states it produces. These states are a little easier to control than those produced by other hallucinogenic drugs, unless the dosage is very high. At low to moderate dosages, hallucinations are not present. Instead, the person typically reports of calmness, increased sensory awareness, changes in space and time, and increased appetite, often with a craving for sweets. At higher dosages, the person may experience thought disturbances, rapid emotional changes, a loss of attention, and a sense of panic. Marijuana has been one of the most researched drugs in the history of pharmacology, and there is still considerable disagreement about its short-term and long-term effects (Belenko 34). It was made an illicit drug in the United States, and many states have established harsh penalties for those convicted of possession of even small amounts. In the recent years, there has been a move toward decriminalization of marijuana. Although this policy would not legalize the drug, it would establish more appropriate punishments, for example, fines instead of imprisonment for possession of small amounts for personal use (Belenko 66). The growing consensus of research on marijuana would suggest that it is not a safe drug. Indeed, it is doubtful whether any drug taken frequently by choice is advisable. Many researchers have concluded that smoking marijuana is no more dangerous, and perhaps even less so, than smoking cigarettes or using alcohol. The issue, though, is frequency of use. The literature on chronic users of marijuana—that is, people who use it a lot and over a long period of time—suggests rather strongly that there are serious deficits in some cognitive abilities such as memory. In addition, heavier users experience some undesirable personality changes, problems with sleep, deficits in psychomotor abilities such as driving, and changes in motivational levels that produce apathy and a lack of striving for achievement. Finally, there are a number of factors that influence the effect of a particular drug (Earleywine 145). There are factors associated with the drug, including its purity and the method of its purity and the method of its administration. Subject variables that are important include body weight, metabolic rate, whether or not the person has eaten, general state of health, and previous experience with the drug. In trying to predict how any one person will react to a drug, these factors, and many others, must be taken into account. But there is another important variable that plays a major role in drug reactions, and too often its effects are overlooked ( Baron 119).   That variable is the user’s expectation of the drug’s effect. Research has shown that the experience many drug users will have is not just a result of the physiological and biochemical changes produced by the drug, but also depends on how they think they are supposed to respond, or how they see others around them responding. These factors must also be considered when evaluating the reasons for altered states of consciousness through drug use. a.)  Ã‚  Ã‚   Respiratory effects: Because marijuana smoke is deeply inhaled, retained in the lungs, and contains many of the same harmful ingredients as tobacco smoke, users show signs of impaired lung functioning when compared to nonusers. Like tobacco smoke, marijuana smoke contains carcinogenic agents, but since many pot smokers also tobacco, it has been hard to isolate marijuana’s impact on lung cancer. At this point, the evidence is merely suggestive (Earleywine 156). b.)  Ã‚     Immune system: Animal studies have suggested that marijuana can dampen the body’s resistance to disease, but no studies have been done to confirm or refute this danger in human beings (Earleywine 156). c.)  Ã‚  Ã‚   Mental effects: While there is no evidence that marijuana causes the brain to shrink, it can lead to a motivational syndrome, which researchers define as a mental dulling, emotional blunting, and loss of drive and goal-directedness (Earleywine 156). IV. Why should it be legalized? Marijuana is being used as legal medical therapy for several conditions. Careful studies have shown that it is effective in treating severe nausea in cancer patient undergoing chemotherapy. Older patients seem to respond less well than younger patients and complain more about side-effects, including feeling â€Å"stoned.† Researchers are continuing studies of marijuana’s possible usefulness in reducing pressure within the eye in glaucoma and in treating muscle spasticity (Goode 575). Marijuana has been used for thousands of years, both as a medicine and for its intoxicating effects. In the form of tablets, marijuana is frequently prescribed to relieve the nausea and vomiting that often accompany chemotherapy. Its non-medical use, however, is illegal in the United States and most other countries. The penalties for possessing or using marijuana are, in many states, as severe as those imposed for the possession or use of much more potent drugs. Many argue that marijuana is no more harmful than cigarettes and liquor and should be legalized ( Julien 489) V. Conclusion Marijuana serves as a hindrance for people to achieve high and be successful. Due to its ill effects it stops them from being an achiever and it causes them to be ill motivated. They will see things in a different outlook because of the side effects of marijuana. Yes, Marijuana could help medically but let us consider how greatly it will exploit the individual’s body. At low moderate doses, marijuana acts somewhat like alcohol and some tranquilizers, and like alcohol, the drug takes effects within minutes. Unlike alcohol, marijuana at low doses does not dull sensation but may cause slight alterations in perception, so that it is unsafe to drive a car for as long as 4 to 6 hours after a single joint. After the thorough studies, I therefore conclude that marijuana should not be legalized because it has more negative effects than positive. If our nation legalized the use of marijuana, many people including young and old suffer the above mentioned negative effects. On the other hand, the use of marijuana should be case to case basis and should only be used for medications. Generally, Marijuana does not do any good to the people. It only destroys them and eventually it will be bombarded to our economy because they are the one’s working, the citizen of a country and if the usage of Marijuana will be legalized it will just give a detrimental effec t to a country’s economy.

Evolutionary Ethics :: Morals Philosophy Philosophical Essays

Evolutionary Ethics ABSTRACT: Michael Ruse has argued that evolutionary ethics discredits the objectivity and foundations of ethics. Ruse must employ dubitable assumptions, however, to reach his conclusion. We can trace these assumptions to G. E. Moore. Also, part of Ruse’s case against the foundations of ethics can support the objectivity and foundations of ethics. Cooperative activity geared toward human flourishing helps point the way to a naturalistic moral realism and not exclusively to ethical skepticism as Ruse supposes. Introduction: Ruse’s Metaethical Assumptions Michael Ruse has argued that evolutionary ethics discredits the objectivity and foundations of ethics (Ruse 1991, Ruse 1993). Ruse must employ dubitable assumptions, however, to reach his conclusion. Also, parts of Ruse’s case against the foundations of ethics can support the objectivity and foundations of ethics. Ruse’s narrow construal of ‘the foundations of ethics’ plays an important role in his arguments against the foundations of ethics. He considers only 3 possible contenders that could serve as foundations for ethics: 1) Moorean non-naturalism, 2) Platonic Forms, and 3) the Divine Command Theory (Ruse 1993: 157). For Ruse, each of the three contenders explains how morality can refer to something "out there"(Ruse 1993: 153, 158). Notice that for Ruse one can only maintain the position of moral realism—the view that at least some moral issues are objective and obtain independently of our moral beliefs—non-naturalistically. His reasoning for this is clear. He points out that Moore’s arguments against the evolutionary ethics of Herbert Spencer turned on the is/ought distinction. According to this distinction, we cannot logically ground ethical statements naturalistically, for one cannot derive ‘ought’ from ‘is’. Mooreâ€℠¢s arguments against ethical naturalism—the view that moral claims/facts/judgments are nothing but a special class of natural claims/facts/judgments—help make Moore’s case in favor of non-naturalism. Plato’s non-natural Forms and the commands of a non-natural divinity would also avoid the difficult task of deriving values from natural, physical facts that ethical naturalism faces. Philosophers (not least of all Ruse) commonly proclaim that Moore’s application of the naturalistic fallacy hinges on the is/ought distinction. For Moore, we cannot derive moral statements from non-moral statements because "‘good’ is indefinable, or, as Prof. Sidgwick says, an ‘unanalysable notion’" (Moore 1903: 17). This would imply of course that any attempt whatsoever to define or analyze a moral term such as ‘good’ in other terms is fallacious. Moore concedes that we can analyze moral words in terms of each other but all reductions of moral terms will ultimately reduce to ‘good’ and ‘bad’.

Cathedral

Blindness can manifest itself in many ways. Disputably the most damaging form of this condition may be the figurative blindness of one’s own situation and ignorance towards the feeling of others. In Raymond carver’s short story â€Å"cathedral,† the narrator’s emotional and psychological blindness is immediately apparent. The many issues faced by the narrator as well as the turn-around experienced at the culmination of the tale are the main idea for the theme of this story and these ideas aid the narrator in eventually collapse to character transformation by simply regarding the literal blind man in a positive way.The narrator’s statement at the very beginning of the story explains his own lack of knowledge concerning physical blindness. His lack of knowledge relating to the visitor’s disability is undeniable, he make it very clear that he is aware of this stating that he â€Å"wasn’t very enthusiastic about his visit. †(81) Bes ide he doesn’t know the blind guy and his being blind bothered him too. I believe that you can’t make judgment about a person or dislike just because he can’t see. The narrator was judgment him because of the relation that the blind had with his wife not just because he is enable to see.The introduction of the story explains the relationship between narrator’s wife and the blind man, detailing how it evolved to its present status. It is in this part that I as a reader I see an example of the figurative blindness from which the narrator suffers because of his knowledge of the relationship between the two which seem to stem from his own troubled relationship with his wife. Is here when his wife gave him an ultimatum to accept Robert, stating that if her husband loves her, he would â€Å"do this for me if you don’t love okay. (83) Throughout the story the narrator show his jealousies toward the relationship his wife and the blind man share. Insecurit y gives a way to a troubled relationship with his wife. The narrator revaluates his suspicious ideas regarding to the relationship with his wife and the blind men.Drug and alcohol usage throughout the entire story significantly adds to another blindness of which the subject is unaware. Once Robert arrives he is immediately introduced to a social drinking, especially when he is questioned for his choice of drink. He stated that him and his wife carry â€Å"a little of everything, it is one of our pastime. (85) This is a point that is described on the plot. The final enlightenment experienced by the narrator is a direct result of the mindset brought upon by his marijuana usage. In fact I believed that many of his described problems may be attributed to his drinking and drug use. Someone that is under the influence of a foreign substance does things and says things that they may never say on their five senses. The story climaxes after the wife falls asleep and the two men are finally allowed to converse with each other. It is at this time when the narrator finally gets to see the attitude and thoughts of the blind man.This lead to his own personal transformation when Robert ask whether or not the narrator is religious and his answer was â€Å" I guess I don’t believe in it . in anything†(91) this answer was unsure of his own knowledge because he wanted to impress the blind man that I say he just respond that to keep the conversation with Robert. This made me see that the narrator is in need of something which means more than just physical blindness. I think that Robert feels the necessity to help the narrator both mentally and emotionally bringing understanding to a man filled with bad ideas and opinion about others.Today society have a minute understanding of what it is to truly see that this initiative is more than physical viewing and is based more on emotional understanding for an instance. Figuratively seeing is what it is inside of other peop le and also is what they can feel and how they think. The final drawing of the cathedral truly helps me to understand the meaning of achieve through working together. The two men hold hands while drawing the cathedral which for me is the basis for the story being told. This changing experience helps me to understand between looking and seeing.This narrator would simple have continued on his close-minded lifestyle and never had learn about or accepting other people as they are. The last few sentences of this story made me realize that being blind is not an affliction that is limited solely to the body. I learn that a person can be blind to the feelings of others and the problem that can affect our everyday life. I believe that with tolerance to an individual can find both respect for themselves and awareness for people around us. I agree with the author of this story blindness is not an obstacle to continue being a normal person in life.

Training Program For Safety And Health Manager Essay

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