Financial Analysis of Target Corp. and JCPenney Research Paper

Financial Analysis of Target Corp. and JCPenney - Research Paper Example Presently, headquarter of the company is situated in Minneapolis. The company has been ranked 22nd by the Fortune magazine within its list under the category of â€Å"World’s Most Admired Companies†. Also it has been titled as the 23rd by Forbes magazine within its list under the category of â€Å"America’s Most Reputable Companies†. There are many subsidiaries of the Target Corporation: Financial and Retail Services (FRS), Target Sourcing Services (TSS), Target Commercial Interiors, Target Brands and Target.com. Target had declared its expansion into Canada and has plans to inaugurate around 100 to 150 stores over there by the year 2013. The total revenue of the company during the year 2010 was $67.4 billion (My Target, 2010). Background of J. C. Penney Company, Inc J. C Penney Company, Inc., better known as JCPenney is one amongst many big retailers in the Unites States. The company operates with its 1100 departmental stores situated all around America a nd Puerto Rico. JCPenney also has sites on the internet for its trading in the retail sections of home furnishings and apparels. The company is headquartered in Plano, TX and has 150000 associates. The company offers a wide variety of brands inclusive of private brands, national brands and exclusive brands to more than 50 percent of the American people. The company depicted annual revenue of $17.8 billion during the year 2010 (JCPenney, 2010). Calculation of Ratio for Target Corporation and J. C. Penney Company, Inc Ratios Target Corporation (in millions $ except number of shares) J. C. Penney Company, Inc (in millions $ except number of shares) Book Value Per Share Ratio = (Total shareholder equity – Preferred equity) / Total outstanding shares (15487-0) / 704038218 = 0.000022 (5460-0) / 237000000 = 0.000023 Current ratio = Current asset / Current liabilities 17213 / 10070 = 1.71 6370 / 2647 = 2.41 Net Profit Margin on Sales = Net Earnings / Sales 2920 / 67390 = 0.043 389 / 17759 = 0.022 Earnings per Share = (Net income- Dividends on preferred stock) Average outstanding shares 2920 / 704038218 = 4.00 (Diluted earnings per share) 389/ 237000000 = 1.64 (Diluted earnings per share) EBITDA per share = EBITDA / Outstanding shares 7336 / 704038218 = 10.4 1343 / 237000000 = 5.67 Debt/Equity Ratio = Long term debt / Common stock equity 3954 / 3370 = 1.17 3099 / 4043 = 0.77 Interpretation and Description of the Findings From analyzing the book value per share ratio of a company, not many facts can be interpreted. Book value is rather the accounting value of the shares of a company. This value is considerably different from the market value of the shares. Book values are determined on the basis of the company’s retained earnings and costs whereas market values are determined on the basis of expectations of investors. On comparing the book value and the market value of the company’s shares, inferences can be derived as to whether the company’ s stock is overvalued or undervalued. The only situation when book value can be useful is when the market value of the company’s stock is lower than the book value of the stock. This situation seldom arises but if this arises, then the investors anticipate the company to be undervalued and are attracted to buy. The market value of Target Corporation is $51.19 and the book value would be approximately $22. This

Water Prevention And Control Of Pollution Environmental Sciences Essay

Water Prevention And Control Of Pollution Environmental Sciences Essay The water law framework in our country is attributed by the coexistence of a number of different principles, rules and acts adopted over several decades extending from common law principles and irrigation acts from the colonial acts to the recent regulation of water quality and pollution. The basic underlying reasons for water law reforms are both physical and institutional. Over the past few decades water has gradually become sparse in many parts of the country. This can be attributed to increased pollution of finite water resources and also increased use of water by all categories of water users as a consequence of economic and population growth. The Water Act of 1974 was Indias first attempt towards dealing comprehensively with the environment related issues. Water is a subject in the State List under the Constitution. Consequently, the Water Act which is a central law came into being under Article 252(I) of the Constitution which empowers the Union Government to make laws in a field reserved for states. All the states have approved the implementation of Water Act 1974. In spite of this there is a lack of umbrella legislation at the national level because of which different state and central legal interventions do not coincide often. Water Prevention And Control Of Pollution Act, 1974 Salient Features The Water Act establishes a Central and State pollution control boards. The Central Board may advise the Central Govt. on water pollution issues, coordinate the activities of state pollution control boards and devise a comprehensive plan for the control and prevention of water pollution. In case of any conflicts between the Central and the State boards, central board prevails. This act is applicable to streams, inland waters, subterranean waters, and sea or tidal waters. Standards for the discharge of effluent or the quality of the used water being released into the water sources are to be prescribed by the state boards. Any person or any industry for that matter has to take the consent of the state board before proceeding towards establishing any industry, operation or process or any treatment or waste disposal system. The Act specifies other important functions of the state boards as follows: Devising a comprehensive programme for prevention, control and abatement of water pollution in respective states Encouraging, conducting, and participating in investigations and research of water pollution problems Inspecting facilities for sewage and developing economical and reliable methods of its treatment State board in its capacity may take emergency measures if it foresees accidents or events that might pollute the water bodies. These measures include activities like removing the pollutants, alleviating the damage and issuing orders to the polluter prohibiting effluent discharges. Under section 33A state boards can issue directions to any person, office or authority, including orders to close, prohibit or regulate any industry, operation or process and to stop or regulate the supply of water, electricity or any other service. Not complying with a court order under section 33 or a direction from the board under section 33A is punishable by fines and imprisonment as per section 41. In order to assist the Water Act, the Water Pollution Board constituted under the Pollution Act, has been empowered under the Cess Act to levy a cess/tax for meeting the financial requirements for its working. This cess is for the purposes and utilization under the Water Act. The Cess Act grants a rebate in the cess payable to those who install a plant for the treatment of sewage or effluents. This is one of the steps to encourage establishments to set up effluent treatment plants and process the effluents before releasing them. However it is to be noted that Cess Act cannot be deciphered individually and should be taken into consideration only in relation with the Water Act. While it is quite evident that water laws are the need of the hour but these water law reforms can only contribute to solving water management issues but fail to solve issues related to human rights, social, environmental and health aspects of water. Textile industry The textile industry in India mainly depends upon exports and manufacturing. Export income from textiles account for around 30% of Indias export revenues and 3% of Indias Gross domestic product. This industry has grown a lot over the past few years especially after the economic liberalization in 1991 where the country was opened to free trade under the auspices of Dr Manmohan Singh. The table below gives the major strength and weaknesses of the textile industry in the country Strengths Weaknesses Production Capacity Increased global competition Cheap Labor Dumping Efficient production facilities Huge Decentralized sector Large domestic markets High production costs Large Export Potential Poor Supply chain management Flexible manufacturing Systems Outdated technologies To grow at a rate of around 15% in the coming years the sector needs to keep in mind the following points which shall go a long way in ensuring that growth is maintained at healthy rate and is also sustainable. Threat of competition in Domestic Market Ecological and Social Awareness Ecological and social awareness are going to play a huge role in determining who is going to reap profits in a sustainable manner keeping in view the sensitivity of the stakeholders who are most of the times the losers when large scale development takes place. The industry is likely to face pressure from the media, the Government and the common people to follow international norms and regulations which shall prohibit it from using natural resources like Water which is a key ingredient in producing textiles. The way this industry uses water and how much it pollutes the various sources shall be determined by external factors. Developed markets have extremely high standards of consumer consciousness on issues such as polluting Dyes, Usage of Child Labor, Unhealthy working conditions of the mill workers etc. Standards like SA 8000 have now been started to get implemented in the industry at a large scale. This has also led to pressure on companies to limit sourcing from countries which violate the practices mandated under the norms of SA 8000. The Indian industry needs to improve its working practices and the fallout of the new international developments in this particular area. In such a scenario large players can take advantage of this and indulge in practices which promote sustainability. Proper water Use by textile mills and recycling and purifying water and then reusing it for industrial purposes can also serve the purpose in the long run. Textile Industry and water Pollution Textile Industry is one of the most polluting industries in the country and in terms of consumption of water it constitutes around 3.2% of total consumption of water for various processes like scouring, sizing, and bleaching, dying and other associated processes. It is one of the most growing sectors in the Indian economy in terms of its contribution to the total GDP of the country. Water pollution is done by each and every process in the whole manufacturing of textiles, The table below gives an exhaustive list of the various processes and the nature of effluents and pollutants which are released as a result of the above. Process Pollutants Nature of Effluents Desizing Starch, Glucose, Resins, Fats and Waxes High Biochemical oxygen demand Kiering Caustic Soda, Wax, Grease, Soda Ash, Sodium Sillicate Strongly Alkaline, High Biochemical oxygen Demand Bleaching Hypochlorite, Caustic soda, Hydrogen peroxide and acids Low biochemical oxygen demand and strongly alkaline Mercerization Caustic Soda Strongly alkaline, low biochemical oxygen demand Dyeing Reducing agents like sulphides, acetic acids and soaps Fairly high biochemical oxygen demand ,strongly colored Printing Dyes, starch, gums oil, china clay, mordants, acids and salts Faily high biochemical oxygen demand, Oily appearance Finishing Special finishes, starch, salts, tallow Low Biochemical oxygen demand, less alkaline The polluted water is very harmful for human beings living in and around the area where the pollution takes place as the turbidity of the water is very high and toxic elements present in the water which have a detrimental effect on humans and animals make such water unfit for consumption. The stakeholders which reside alongside areas which are affected by this menace face severe health hazards and face decrease and productivity and life span as a result of the above. Effects on Aquatic Life and Other living creatures High PH levels in water makes it alkaline, alkaline water is not fit for aquatic creatures like fishes and it also causes incrustation in sewers and may also damage crops by hampering their natural growth rate. Spoiling the natural color of water hampers the passage of sunlight and thus prevents photosynthesis in the aquatic plants and other marine life existing inside water. The effluents and oils present in the pollutants which are passed into water increase the turbidity of water and gives it a bad appearance and foul smell. Oily scum interferes with the oxygen transfer and colloidal matter clog the pores of soil. High levels of dissolved solids are detrimental to sewers as it causes incrustation in sewers. High level of sodium is also harmful to crops. Dissolved oxygen in water is an essential element in marine life and therefore the amount of oxygen required to correct the effluent is expressed in the form of biochemical oxygen demand or BOD. Steps to curb Water Pollution To curb pollution due to these textile mills in the areas around them the following measures can be taken in order to increase measures leading to long term sustainability as a corporate strategy which is wholly aligned to the business goals of being profitable in the long run and acquire market share in the future. Reduction in waste water volume: The water used in processing of textiles is reduced to a considerable extent such that the effluent concentration is limited to a specified small volume of water and it does not start impacting larger volume of water. Counter flow processing Water re-use technique which uses the same water before discharging it into the water body so that effluent concentration is limited to a small volume and more water is saved in the process. Reduction of process chemicals: The process chemicals create more than 90% of the pollution in textile industries. This also brings down the production cost in terms of the chemicals used. It can be achieved through reusing various chemicals when processes are completed. For Example: Caustic soda is recovered from the mercerizing and sourcing and is consequently filtered and dialyzed so that it can be reused. Process modification would involve slight modifications in the various processes used during manufacturing in order to create lesser pollution and reduces unnecessary wastage of water. Certain alternate chemicals can also be used during manufacturing so that recovering those chemicals become easy and it thus can be used in further manufacturing processes. Pre-Release Stage Water Treatment Before water is released into the nearest water body it is essential that it is treated properly in order to ensure that there is significant reduction in the level of pollutants in water before it gets released into the water body. The following steps are necessary in order to ensure proper water condition before release into the nearest river or stream or lake. Primary Treatment: It involves concepts of removal of suspended solids by sedimentation, floatation or coagulation techniques using alum and electrolyte. Secondary Treatment: This involves oxidation of organic matter by aeration either by chemical of biological methods or by both. This is done in presence of micro organisms in presence of chemicals such as Urea. Pollutants resistant to biodegradation such as detergents and petrochemicals are removed by non biological means and are again treated with bleaching powder before releasing them into the water body. Tertiary Treatments: Tertiary treatment contains of three main methods like Chemical Coagulation which involves a mixing tank with the effluent and the coagulant mixed and its PH adjusted to an optimum level. The resultant coagulated material is separated by sedimentation or flocculation. Carbon absorption Technique which is effective in removing pigments and dyes using carbon which is activated and has large surface area. Reverse osmosis where cellulose acetate is used to create a semi permeable membrane and subjected to pressure which is usually greater than the osmotic pressure of the effluent. This process can remove 95% of the dissolved solid content as the solution passes from area of higher concentration to lower concentration. Now to discuss the applicability of these methods to curb water pollution in Textile industry and also to do the cost benefit analysis of the same we shall discuss a relevant case of Tiruppur Textile Industry. Case discussion: Tiruppur Textile Industry Background South Asia lately has become the hub of Industrialisation and the unchecked growth is leading to severe environmental problems. Industries have sprung up as clusters which is why the issue of environmental pollution becomes even more relevant in highly water polluting industries like textile dyeing, leather tanning, paper and pulp processing, sugar manufacturing, etc. The runoff released by these industries leads to contamination of surface and ground water sources and eventually impacts the livelihood of the poor. In a usual scenario, the above mentioned industrial units function at a small or medium scale, are a huge employment opportunity for the locals and have the potential to generate foreign exchange because all these industries are export oriented and more than half of their produce is shipped abroad. Given the vast coverage of these industries, the pollution control mechanisms have been awfully weak in these units. The pollution control authorities have been lenient in imple menting the law and ensuring prevention of water pollution caused due to these industries mainly considering the socio economic benefits that they provide and also the low financial capacity of the small scale units. It is a huge capital investment for the relatively smaller industrial units to set up effluent treatment plants and the return on investment is very low. Since they provide employment, therefore these agencies have not tightened the noose on them. This stance of the Pollution Control Boards further discouraged the polluting industries to formulate and implement pollution management and reduction strategies either by efficient effluent treatment or process changes by adopting newer and cleaner technologies. In this report we have attempted to analyse the environmental impact of the production process followed in a textile unit with reference to Tiruppur, a major textile cluster in South India. A cost benefit analysis of the implementation of cleaner production processes and setting up of treatment plants has also been done to depict the return on investment for these textile units. Textile Industry And Its Benefits Tiruppur, located in Tamil Nadu, is a leading cotton knitwear industrial hub in South India. The industrial activities have experienced a rapid growth during the last two decades due to decentralization and flexibility. At this point of time more than 9000 small-scale textile related units are operating with a volume of investment more than US $ 200 million. The city of Tiruppur contributes 56% of the total cotton knitwear exports from India. The industry provides socio-economic benefits to the local community and to the nation in the form of employment, income, and foreign exchange. More than 2 lakh people are directly employed by this industry. The export value from Tiruppur during the year 2002 was about US $ 957.5 million. An equal amount is sold in the domestic market. The economic opulence of Tiruppur on this industry and the local community is employed either directly or indirectly in this industry in one way or the other. Textile Process And Pollution The textile manufacturing process on the whole is a polluting activity with the major contributors being the bleaching and dyeing (textile processing).During 1981, in Tiruppur , only around 70 textile units were operating. This number drastically rose to 450 ten years later and further to 866 in 1997. With due credit to efforts of the Tamil Nadu Pollution Control Board (TNPCB) against the release of untreated effluents some units had to be shut down because of non-conformity to the pollution prevention standards in the state. In 2004 there were a total of 702 textile processing units functioning in Tiruppur. These units together used around 85 million litres per day (mld) of water and discharged a similar quantity (83 mld) as effluents, which are laced with a significant volume of chemicals used at the wet processing stage. The point worth noting here is that the amount of water used as input is almost same as the amount of water that is released in the water bodies which actually me ans that if there is a possibility to treat the effluents, the resultant residual water can be used as a recycled input and thus costs can be decreased. These units collectively produced a quantity of 15,000 tonnes of cloth per month. The incessant release of untreated effluents for more than 10 years has resulted in accumulation of harmful suspended and dissolved solids in the soil, ground water, etc. at Tiruppur and surroundings. During 1980 to 2000, the cumulative pollution load discharged by the Tiruppur units is as follows: Total Dissolved Solids(TDS) : 2.35 million tonnes Chloride: 1.31mt Sulphate: 0.13 mt Total Suspended Solids: 0.098 mt Chemical Oxygen Demand: 0.09mt Biological Oxygen Demand: 0.03 mt Oil and Grease: 0.001mt Impact of Textile Effluents On The Environment From the research conducted on water pollution in Tiruppur area, it is clearly evident that the accumulation of chemicals had added to the woes. All ground water studies showed that open wells and bore wells in and around Tiruppur exhibited high levels of TDS (ranging from 3000mg/l to 11,000 mg/l) and Chloride (ranging from 2000 mg/l to 5000 mg/l) due to industrial pollution and these values were much higher than the background level for this region. The available groundwater in this region was rendered unsuitable for domestic, industrial or irrigation consumption. The surface water studies indicated that the Noyyal river (the river passes through Tiruppur and receives the major share of untreated effluents), reservoir, downstream of Noyyam, (Orthapalayam) and irrigation tanks have been adversely affected by industrial pollution and the surface water is unfit for consumption purposes. A study to measure the quality of soil also indicated the pollution concentration and most of the ar ea the soil is alkaline (pH >8.5) or tending to alkalinity (pH 8-8.5). The Damage Cost Imposed By Pollution Due to high water pollution many adverse effects in the ecology of the Tiruppur area are observed. Agricultural water, drinking water and various fisheries in Tiruppur area and downstream villages have been affected. The water which has been polluted by the textile industry is injurious (EC>3mmhos/cm) to agriculture in an area of 146.3 square km and critical (EC 1.1 to 3 mmhos/cm) in 218.3 square km. Because of this, crop productivity in these villages has declined substantially which has affected the welfare of farmers. Recently farmers took action and filed a case against the industry. The total cost to agriculture was estimated at US $50 million. Drinking water in these villages has also been affected and the municipality has to bring additional water from neighboring villages. In affected villages, special water supply schemes have been issued by the Water Board. Also, a lot of the short fall is being met by bringing water from distant sources of water which leads to the wastage of a lot of time and effort. Considerin all of this, the total damage cost due to pollution of drinking water comes down to US$23.8 million. The fisheries activities in various downstream regions like the Noyyalriver, tanks and reservoirs have been affected as well. Fish mortality rate has increased which has led to a stoppage of fish culture. US $.15 miilion comes out to be the loss in value of fish and besides that, the possibility of the toxicity of existing fish is also high, consumption of which can lead to serious health problems. This high level of pollution has had an adverse effect on the operations of the industry itself. Since most of the industrial wells in this area have only coloured, or very highly polluted water, major water supply is brought in through tankers from peripheral areas. The cost incurred by the industry to maintain this additional source of water supply is US $165 million. Besdies this, the continued buying of water leads to the development of a water market, which causes the water levels in the peripheral villages to go down, affecting the livelihood of villagers. On many occasions, protests have been done by villagers against the water transfer. A mega water supply project is being undertaken by the Tiruppur Area Development Corporation. The total cost of this project is estimated to be US $269 millions and will have to be financed by government agencies and the consortium. Under this scheme, it has been planned that 185 mld of water, which would be both industrial and domestic, would be transferred to Tiruppur from River Cauvery, which is an interstate and a very controversial river in India. If this project would succeed, the industry will need to pay more than what they are currently paying for water, which could result in a huge cost increase for textile processing. Besides these quantifiable terms, human health and aquatic eco-system of river, tanks and reservoir, livestock etc. also get affected by water pollution, but their cost has not been taken into account as it is not easy to express in monetary terms. Status of Effluent Treatment On seeing various adverse effects and hence assessing the seriousness of pollution from textile affluents, the Courts finally gave an order against the continued functioning of various polluting units without being accompanied by effluent treatment plants in 1997. After this order, the state pollution control agency has increased the amount of pressure on all the textile manufacturing units towards effluent treatment. The units which were too small to comply with these regulations and survive were closed. Presently out of the existing 702 units, 278 units are treating upto 38 mld of water effluents through Common Effluent Treatment Plants (CEPTs) which are 8 in number and 424 units are treating upto 45 mldof chemical effluents using Individual Effluent Treatment Plants (IETPs). For effective effluent treatment, US $ 10 million has been spent for various fixed costs, which the Government subsidizes heavily. Besides these, an additional US $ 6.7 million has already been incurred as ann ual running costs. The cost analysis has shown that the variable cost per unit of effluent treatment is much higher than the capital cost both in the IETPs (which is 86% of total cost) and CETPs (which is 73%). Unfortunately the current treatment system is not sufficient for reducing the large amounts of TDS, particularly the acids like Chloride and Sulphates. The average concentration of TDS in the treated effluents is 300 of the TNPCB standard of 2100 mg/l. The same is true of Chloride, which averages more than 300% of the CETP existent standard. Learnings from the case Thus we can see that the management of environment at the Tiruppur textile industry has been difficult and the various difficulties faced by the various actors (State Pollution Control Board, Water Resources Organisations, Local Government , Industrial Organisations, NGOs etc.) or interested parties in this regard or in finding a solution for this problem. If these difficulties had been effectively dealt with, the environmental impacts could not have continued at this level. The above analysis on various RO plants and CPT for the textile units has clearly shown the long run advantage to the industries apart from reducing the various social costs. These technologies can be implemented by all large-scale units who possess the capacity for investment and have long-term vision about the business. But the affordability of affluent treatments among existing large number of small and medium units remains a big challenge. The textile manufacturing industry is predominantly an export oriented business which faces high competition. So any investment done on RO or CPT here impacts the cost of production by increasing it in the short run which is especially true for the smaller units. Also being able to find such big investment, which is approximately more than 10-20 times the overall capital investment, is almost impossible. But the introduction of a much cleaner production for textiles and the availability of advanced treatment technology is the viable long term solution towards further improvement of environmental standards. Realizing the same facts, (i.e. the existing economic benefits of the Tiruppur industry, social costs of pollution, various constraints in effective management of pollution among small scale units, and the need for a having a critical solution for the pollution problem), an integrated process of pollution management can be attempted at by different actors who are related to Tiruppur textile business. In such circumstances the role of various foreign buyers and the consumers of Tiruppur garments are greatly significant. If a very strong demand for garments which are pollution free or come with a green label is observed from them along with a willingness to pay more, definitely it would provide pressure to introduce cleaner technology by the various industries operating in this domain. A few very small units will have no other option but to close down, since making such an investment may not be viable for them. Other units however can think of various steps like unit modification individually or even have joint units. Most critical are proper technical guidelines for these units and financial support is needed for the units from various domestic and foreign research institutions and other donor agencies. In parallel, sincere collaborative efforts from joint industrial associations, pollution law enforcement agencies, industrial consultants and experts, etc. are also required. Only than the textile industry in Tiruppur would be a ble to achieve the ideal objective of sustainable development. Recommended Strategy for companies in textile industry The companies in Textile industries can be divided into two: Major players with financial strength to invest in greener technologies and small player which need assistance even to maintain regulatory standards. Hence the strategy will also differ based on the type of company. Strategy for small players A broad categorization has been done based on the revenue. Below Rs. 10 million the company can be said a small company. It is imperative for a small company to follow regulatory standards at least. While government is finding difficult to close all such factory due to labor intensive nature of such industry it is always a long term risk hence the standards should always be maintained. Hence their strategy is to achieve the minimum standards by increasing the cost as less as possible. The immediate high investment in green technology may throw them out of market. Following strategy must be followed by the company. To have least impact on increment in costs the company might seek financial assistance from government subsidy or jointly making investments. To get knowledge assistance it could collaborate with various stakeholders. Strategy for big players: A major player could afford a significant investment for the long term overall benefit. The strategy should be to gain competitive advantage by achieving Cleaner process technology and establishing efficient effluent treatment plants. These will have high investments in short term but will give major cost advantage and high value of intangibles, other important aspect is to have a differentiation based on greener features. This way a high premium could be charged against the product and much higher overall profitability could be achieved.

The Drug Issue in Australia :: essays research papers

The drugs issue is a major problem in Australia. A simple solution cannot be found to solve this great problem because there are so many decisions, thoughts and sacrifices that need to be made. All sides of the issue must be considered when making such a large decision. To find a solution, several tests, meetings, interviews and research need to be made, to name a few. Extreme care is needed when challenging such major issues, all aspects of the problem need to be considered.   Ã‚  Ã‚  Ã‚  Ã‚  Zajdow describes drug abuse as being a social, legal, health, economic and ethical issue (1999, p.44). This great problem therefore involves not only one department, but also many other departments. These include the police, who offer their power and resources, Justice, who has the resources for jail, Health, which offers treatment programs, and Education which provides drug education to the community. Without these departments, the issue would be too complicated for the Government to solve on their own. However, as indicated by Knowles, these departments were bidding for more funds to strengthen the resources they provide (2000, p.1). The drugs issue as a social concern:   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  There are an estimated 25,000 heroin users in Victoria (Hodder, p.10). This is a very large amount of people on drugs, in the last 10 years it has been shown to increase and therefore the drug issue is becoming a major problem to all the people in Victoria.   Ã‚  Ã‚  Ã‚  Ã‚   Some people argue that the drug users aren’t the heroin victims. One writer notes, 'The parents of the user who steals from them, abuses them, physically, emotionally and mentally, the siblings who suffer the loss of care and love but who also get abused and used by the user, the kids of the user who learn that the parent's desire for smack is greater than the desire to be a parent,' are the real heroin victims (Fitzgerald, 2000). This problem therefore effects not only the user but the society living around them as well. The drugs issue as a legal problem:   Ã‚  Ã‚  Ã‚  Ã‚  The Government needs to draw the line somewhere. In Sweden the Government was giving out free heroin, in order to keep the drugs free from being impure. However, Margaret McKay (2001) declares that if we follow in same steps, soon we will be giving out not only free heroin, but also other illegal substances as well. It will then lead to problems with other drugs as well.

Jesus and Cicero Essay

Sinning is one thing people feel that when people do die, they should automatically go to the underworld, or hell, due to their sinful actions. In the Aeneid, book number six, Virgil describes a place where these people go when they perish on earth. When these people get to the underworld, they are judged by their actions and punished depending on the severity of it. Virgil gives us the idea that there is indeed an afterlife, just like Jesus did. But when it came to sinners, Jesus forgave people who have sinned because he wants people to learn the idea of forgiving. Also he wants people to know that nobody is perfect, and that in order for God to forgive one’s sins, he or she must forgive others. When it comes to the idea of sin both Virgil and Jesus agree that there is an afterlife; but Virgil and Jesus’ idea of sin differ when it comes to punishments and judging people as human beings. Virgil shows his readers that the underworld is a place of punishment and cruelty. When sinners die, they are sent to the underworld to admit their wrongdoings and face the consequences for their actions. In the underworld there is a man named Rhadamanthus who listens to the sinners and sentences them to different penalties based on what they did. Once Rhadmanthus listens to the sinner’s story, he sentences them to different sections of the underworld. The underworld contains different sections that are based on levels of severity. The greater the sin someone commits, the greater the punishment that that person will receive. For example, in the sixth book of the Aeneid, Virgil says that, â€Å"Here come those who as long as life remained held brothers hateful, beat their parents, cheated poor men dependent on them; also those who hugged their new found riches to themselves and put nothing aside for relatives- A great crowd, this-then men killed for adultery, men who took arms in war against their right, not scrupling to betray their lords† (181:813-82 0). In this quote, Virgil gives examples of people’s sins that have gone to the Underworld for it. In the Aeneid, Virgil gives readers the idea that people who sin will be punished and sent to the underworld no matter what sin they commit. He also shows that there is an afterlife, but he does not discuss the idea of heaven and that all souls will travel to the underworld to face the consequences. Like Virgil, Jesus does believe in the afterlife, but he discusses the idea of both heaven and hell. He believes that once people die, their souls are lifted out of the human body and are either brought to heaven or hell. Jesus taught that people will be placed into heaven or hell based on their virtue and following the teachings of God. Jesus also bases it on people who either open or close up their heart for others. An example of the reflection of the heart and self comes from the Gospel of Luke. In the gospel it says that there was a rich man who had a poor man, named Lazarus, living o utside his gate. The poor man would beg to eat the food that would fall off the rich man’s table and he needed assistance. Once both men died, the poor man was lifted by angels to Abraham’s bosom, while the rich man was buried in Hades being tormented. When the rich man called to Abraham for help he said, â€Å"Son remember that you in your lifetime received your good things, and Lazarus in like manner evil things; but now he is comforted here, and you are in anguish† (Luke 16:25-26). He is saying that people who are poor are in need of assistance, but there were people who were wealthier that didn’t open up their hearts for others. So, those people of wealth would suffer in the afterlife unlike those were poor. Those who were poor would live a more comfortable way in the afterlife. Even though Virgil and Jesus believed in the afterlife, they differed when it came to the true idea of sinners. Virgil felt that all people would go to the underworld and be judged by Rhadamanthus to see their fate in the afterlife. He never discussed the idea of heaven, and he would make up certain punishments for different people. Unlike Virgil, Jesus looked at sinners in a different way. Instead of punishing and treating sinners differently, Jesus would forgive those who have sinned. An example of Jesus forgiving a sinner is in the Gospel of John. It talks about people gathering around the temple with a woman who committed adultery. The scribes and Pharisees brought the woman to Jesus to test and see what he would do to her. The reason the people wanted to test Jesus because in the Law of Moses, it states that the person who commits adultery shall be stoned. The remarkable part of the story is when Jesus says, â€Å"Let him who is without sin among you be the first to throw a stone at her† (John8:7). As he said this, everyone backed away one by one and Jesus was left alone with the adulterer. Once he was with her by himself he said, â€Å"Woman, where are they? Has no one condemned you?† She said,† No one Lord† And Jesus said, â€Å"Neither do I condemn you; go, and do not sin again† (John8:10-11). Jesus is saying that people cannot judge or punish a sinner if people themselves have sinned before in the past. Also, Jesus teaches that sins will be forgiven by the Lord as long as people learn from their mistakes and faults. When comparing Virgil and Jesus, they both have somewhat, similar thoughts of having an afterlife, but they differ greatly with people’s consequences. Virgil believes in certain sentences and reprimands. Jesus believes in the idea of mercy with sinners as long as they learn their lesson for the future. They both understand that sinning is a bad thing, but how one deals with sin is the true test. The real question is,† If someone commits sin against you, what will you do in reaction to it?†

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Hello Mr Negru Welcome to Vodafone and thanks for choosing us. We know sometimes it's the small things that can make your mobile experience even better. So, below you'll find help on setting up your phone and information on the wide range of benefits you can enjoy on Vodafone. In this email you'll also find information on what you get with your price plan and any extras you might have added.We hope you'll have a great time with Vodafone, but if you're not happy with your device, you'll need to go back to he company you bought it from to find out what to do next. Once again, welcome to Vodafone and thanks for choosing us. Vodafone Customer Services team Your account details Account number 687970078 Mobile number 07449659303 Contract start 14-jun-13 Minimum commitment end UK minutes UK texts UNLIMITED UK internet 500MB Monthly line rental E43.OO Voice calls, internet and messaging within the UK from UK mobiles Standard UK call charges Cost per minute (1 minute minimum call charge) Call s to any Vodafone I-JK mobile, standard UK landline starting 01, 02, 03) and voicemail 35P Other mobile networks within the UK Non-geographic numbers (starting Non-geographic numbers (starting 0845 and 0870) 14p Freefone numbers starting.

Cemetery Symbolism - Clasped Hands and Pointing Fingers

Cemetery Symbolism - Clasped Hands and Pointing Fingers Seen as an important symbol of life, hands and fingers carved into gravestones represent the deceaseds relationships with other human beings and with God. Cemetery hands tend to be found most commonly on Victorian tombstones of the 1800s to mid-1900s, and are typically portrayed in one of four ways: blessing, clasping, pointing or praying. Finger Pointing Up or Down A hand with the index finger pointing up symbolizes the hope of heaven, while a hand with the index finger pointing down represents God reaching down for the soul. The finger pointing down does not indicate damnation; instead, it most commonly represents an untimely, sudden, or unexpected death.   A hand with a finger pointing at a book typically represents the Bible.   Hands Holding Something Hands holding a chain with a broken link symbolizes the death of a family member or, sometimes, the bonds of marriage, broken by death. The hand of God plucking a link of the chain represents God bringing a soul unto himself. Hands holding an open book (usually a representation of the Bible) symbolize the embodiment of faith. Hands holding a heart  are symbolic of charity and are most typically seen on headstones of members of the Independent Order of Odd Fellows (I.O.O.F.). Handshake or Clasped Hands The  handshake  or representation of clasped hands dates back to the Victorian era and represents a farewell to earthly existence and Gods welcome into heaven. It may also indicate a relationship between the deceased and the loved ones they left behind. If the sleeves of the two hands are masculine and feminine, the handshake, or clasped hands, may symbolize holy matrimony, or the eternal unity of a husband or wife. Sometimes the hand on top, or the arm positioned slightly higher than the other indicates the person who passed away first, and is now guiding their loved one into the next life. Alternatively, it may indicate God or someone else reaching down to guide them up to Heaven. Clasped hands can also sometimes represent lodge fellowship and are often seen on  Masonic and I.O.O.F. headstones. Hand Holding an Ax A hand holding an ax means sudden death or a life cut short. Cloud With a Hand Emerging This represents God reaching down to the deceased. Fingers Parted in a V or Hands with Touching Thumbs Two hands, with middle and ring fingers parted to form a V (often with the thumbs touching), are the symbol of a Jewish priestly blessing- from Kohen or Cohen, or the plural form Kohanim or Cohanim  (Hebrew for priest). Kohanim are direct male descendants of Aaron, the first Kohen, and brother of Moses. Some Jewish surnames often associated with this symbol include Cahn/Kahn, Cohn/Kohn and Cohen/Kohen, although this symbol may also be found on gravestones of people with other surnames. Leonard Nimoy modeled the Live Long and Prosper hand gesture of his Star Trek character, Spock after this symbol.

How to Teach the SAT Best Tips for Tutors and Parents

How to Teach the SAT Best Tips for Tutors and Parents SAT / ACT Prep Online Guides and Tips When I started workingas a professional tutor, I was fresh out of college with few qualifications other than high test scores and some volunteer experience. I struggled with tutoring my first few students - I didn’t feel comfortable giving them assignments and I struggled to figure out how best to use our lesson time. But after years of tutoring, I became thoroughlyfamiliar with the ins and outs of the whole process. I've drawn on my hard-earned knowledge to createthis guide laying out the key steps to helping someone excel at the SATso that you know where to start when tutoring your own student or child. A big part of being a great tutor is being properly prepared - these seven steps will set you on the right path to raising your student's score: Determine the challenges you'll face Learn about the test Set a score goal Gather materials Make a study plan Teach the big picture Analyze weaknesses Bonus: Looking for the very best guides to every SAT section? Check out our top guides for every single section of the SAT. Choose the score level you're aiming for: 800 Score Guides: SAT Reading | SAT Writing | SAT Math | SAT Essay Choose these guides if you're scoring a 600 or above on a section, and you want to get the highest SAT score possible. 600 Score Guides: SAT Reading | SAT Writing | SAT Math | SAT Essay Choose these guides if you're scoring below a 600 on a section, and you want to boost your score to at least a 600 level. These are the very best guides available on boosting your SAT score, section by section. They're written by Harvard grads and perfect SAT scorers. Don't disappoint yourself - read these guides and improve your score today. Step 1: Identify Challenges Before you get started with astudent you need to make sure you're genuinely going to be able to help your student and determineif there will beany special challenges you'll face. Make Sure You're Qualified Don’t assume that because you’re older than your student, you automatically know more about the test than she does. You probably took the SAT at least five years ago, while she took it a few months ago. If you want to be an effective tutor, you'll have to take the time to really understand the SAT (see the next stepfor more on how to do so). Think of it this way: you won’t be able to explain why an answer is wrong to your student if you don’t understand it yourself. Worse, you won’t be able to figure out why your student is missing the question in the first place. A good rule of thumb is that you should be scoring at least 4 points higher than your student. If she's already high-scoring you’ll want to be at or near perfect. Motivating Your Student One of the biggest challenges of tutoring is convincing your student to put in the work needed to improve. The single biggest key to raising standardized test scores is practice. Part of your job is convincing your student toput in the work to raiseher score. If your student is strugglingto motivate, try discussingthe tangible benefits of a higher SAT score withher. Motivating your student can be especially challenging if you’re working with a family member or friend. This kind of tutoring generally works best when the student is still quite young or is independently motivated and simply coming to you for extra help. Step 2: Study the Test As I mentioned above, in order to be a helpful tutor, you have to know the material you're tutoring: that means learning as much as you can about the SAT. Learnthe Format Though it may not seem important, you should start by making sure that you understand the basics of the SAT: how long it is, how many questions it has, and what the different sections are. Keep in mind that the SAT has changed quite a bit over the past decade, so even if you think you know it well from taking it in high school, make sure to review the current version of the test. It’s important to know exactlywhat your student can expect tosee on the SAT. You need to have a solid grasp onboth the different question formats and the material covered by the test - check out our guides to what's actually on each section of the test if you have questions. Reading Math Writing Understand the SAT's Unique Logic The SAT is very different from the kinds of tests students take in their classes. You’ll need to help your student understand these differences and how to use them to her advantage. First of all, remember that the SAT is overwhelmingly a multiple-choice test: it doesn’t matter how your student gets the right answer, just that shedoes. There are a lot of helpful strategies and shortcuts that can help students get to the answer more quickly. Another key point to remember is that SAT questions often include traps meant to trip up the test taker. Work with your student to help her practice reading questions carefully and resisting makingassumptions about what shethinks a question should be asking. Finally, never forget that the SAT is standardized: no matter how there is only ever one right answer and it is indisputably correct. Make sure you can explain not just why an answer is correct but why the other choices are wrong. Before you can be an effective teacher, you have to study up on the material yourself. Step 3: Set Goals Once you feel prepared, it's time to get started with your student, which means you need to establish exactly what she's hoping to get out of tutoring. You'll need to ask her about her personal aimsand the schools she's considering applying to so you can help her determine an appropriate score goal. Determining a Score Goal It’s easy to assume that you just want to get your student’s score as high as possible, but it’s better to have a specific score in mind. Not every student needs a 2400, and setting an achievablegoalgives your student something concrete to work toward. What the goalscore is will depend on what grade your student is in and what schools or programs she wants to apply to. Assuming your student is a junior or senior applying to colleges, you can use our method, which is based on the SAT scores colleges expect from applicants, to calculate a target. Narrowing Your Focus (If Necessary) Keep in mindthat your student mayneed to focus specifically on raising her score on one or two sections. A particularly low score on one section (especially math or reading) can count against an application, and some schools and programs have a cut off score for certain sections. Another consideration iswhether schools superscore, i.e. count only the highest score on each section.If your student is only applying to schools that superscore and already has a solid score on one of the sections, she may want to focus primarily on the others. Step 4: Gather Great Resources Before you get started with tutoring, you need to make sure you have high-quality practice materials to use with your student.When practice questionshave errors or look nothing like the the questions on the actual SAT, students end up confused or frustrated and, even worse, lose some of their trust in you. Let's go through where you can find some of the most helpful resources for the SAT. Official Tests The best practice materials are official ones, since practicing with real tests will give your student the best idea of what to expect on test day. You want to find and use as many of these as possible. Free practice test and questions for the newest version of the SAT Free old official practice tests (If you want paper copies of the free official practice tests) The Official SAT Study Guide, currently $21.00on Amazon General Strategies Practicing with real SATs is the best way to learn the format and logic of the test, but your student may still need some extra help with strategies for the most effective ways to approach the different types of questions. The following resources can help you find the most effective strategiesfor your student to take. SAT Prep Black Book, Second Edition by Mike Barrett and Patrick Barrett PrepScholar's Ultimate SAT StudyGuide 21 Top SAT Tips Alternative practice materials Subject-Specific Materials Another vitalpart of studying for the SAT is reviewing the content it tests. The following books and guides can help you review key concepts from each of the three sections with your student. Reading The Critical Reader, by EricaMeltzer Other SAT Reading prep books PrepScholar's Ultimate SAT Reading Study Guide Math Dr. Steve Warner's SAT Math Series Other SAT Math Prep Books Khan Academy Writing The Ultimate Guide to SAT Grammar, by Erica Meltzer Other SAT Writing Books PrepScholar's Complete SAT Writing Study Guide PrepScholar's Guide to the SAT Essay Want to improve your SAT score by 160 points or more? We've put our best advice into a single guide. These are the 5 strategies you MUST be using to have a shot at improving your score. Download this free SAT guide now: Step 5: Lay Out a Plan As a tutor, one of your most important roles is making sure your student stays on track. Let's go over some ways you can help your student meet her goals by her test date. Set a Schedule It’s vital that you have a set schedule for tutoring. Without one, it’s easy for students to procrastinate and fall behind. Start by determining when your student will take the test and then plan out how you’re going to cover everything between now and then. Generally speaking, students should shoot for roughly 40 hours of prep, although that timewill be split between tutoring and independent work. Try to set a specific time for your lesson each week. I prefer to meet with students once a week, but if you're on a tight schedule you can certainly do twice a week. With more than two lessons per week, most students will quickly get burned out and frustrated. Analyze Weaknesses Before you start, spend some time determining what your student needs the most help with. If she’s taken the test before, take a look at her scores. Then, if possible, have her take a full practice test before you get started. Going over it together will help you see why she's missing questions and allow you to focus your efforts on the strategies and content review that will be most helpful for her. From there you can plan out what order you’ll cover the material in. I usually start with a student’s weakest areas and then work through everything until I get to her strongest, revisiting the early concepts occasionally to review. Give Homework As I mentioned above, practice is key to improvement on the SAT. You’ll need to give your student practice questions to do or content to review between lessons. Ideally, you’ll also want to have them complete at least three full officialpractice SATs that simulate actual testing conditions. If you’re a parent or sibling rather than a professional tutor, you probably won't be able to convince your student to do extra homework. Instead, try setting aside an extra time during the week for them to study on their own. Good advice! Step 6: Teach the Big Picture When students sign up for tutoring, they often expect to learn tricks that help them instantly raise their scores. There aren’t really any such simple tricks, but there are helpful strategies that, when used consistently, can make a big difference in students’ scores. You may also need to provide content review for your student, depending on their strengths and weaknesses. The following resources offer ideas for specific strategies you can use with your student (most of which are also included in the more overall guides from the previous section). Reading How to read SAT Readingpassages:This guide explains the reading passageapproachthat we recommend for most students- have your student try it and then tweak the approach as needed. How not to run out of time on SAT Reading: Timing can be a big struggle on SAT reading. This guide will give you ideas on how to help your student pace herself. #1 secret of SAT Reading: The SAT Reading often seems more complicated than it is. This guide will help you and your student understand the logic of the test. Math 21 must-know formulas: Although the SAT provides test takers with some basic geometry formulas, there are other formulas your studentwill need to know. How not to run out of time on SAT Math: For advice on how to help your student get through all the question on the math sections efficiently, check out this guide. How to plug in answers:Make sure your student understands the most efficient way to plug-and-chug, especially if she struggles with solving algebra questions quickly. How to plug in numbers: This strategy will help your student approach questions that ask about abstract variables and unknown quantities. Writing Secret to SAT Writing: The SAT Writing section has its own unique quirks. Make sure you understand them so you can help your student adjust her approach accordingly. How to approach SAT Writing passages: All of the SAT writing questions are presented in context. That means your student needs a strategy for tackling the passages! Step 7: Analyze Mistakes SAT questions follow certain patterns, and the best way to get a feel for the style of the questions is to do a lot of practice. As such, regularly practicing with real SAT questions is one of the most important part of studying for the test, and as a tutor you shouldassign a lot of official practice questions. However, it's not enough to simply give some practice passages to your student, you also need to carefully reviewthe questionsshe misses. Don’t stop at saying, "B is the right answer"- really dig in and help your student understand why shegot the question wrong and how shecan avoid missing similar ones in the future. This process is key to helping your student improve and why it's so important that you understand the test yourself. For more details on how to effectively go over missed questions, take a look at our guide to reviewing mistakes. (Bro. Jeffrey Pioquinto, SJ/Flickr) Review: 3 Key Tutoring Tips The steps above offer a general outline to becoming an effective tutor: what exactly you cover and how you work on it will depend a lot on you and your student. Nonetheless,there are a few big picture ideas that every tutor should keep in mind. Be Prepared Your student will know if you’re not invested in the tutoring process: don't try tobluff your way through with a vaguerecollection of taking the SAT in high school - it won't work. Take the time to familiarize yourself with the test and work up an individualized improvement plan for your student. The more you know about the test the better you'll be able to understand your student's unique needs and the more effective you'll be as a tutor. Focus on Motivation Students who don't put in the work don't improve - it's as simple as that. As such, a big part of your role as a tutor is to set expectationsand encourageyour student to study and practice.In some cases, motivating your studentwill be simple(I've had students who actually requested extra homework), but in others you will need to really emphasizewhy the practice is important and how it will help your student reach her goals. Remember that the SAT Is a Standardized Test Always keep in mind that the SAT tests the same simple rules over and over again, just in slightly different ways. Really knowing the test will be your greatest asset as a tutor. Even if you're just starting out, and aren't that familiarwith the test yet,you can use the fact that the SATis standardized to your advantage. Go over official tests carefully and look for patterns in the questions. Remember that because the test is standardized there is only ever one indisputably correct answer. Help your student understand both what will and whatwon't be covered by the test. Bonus: Want to get a perfect SAT score? Read our famous guide on how to score a perfect 1600 on the SAT. You'll learn top strategies from the country's leading expert on the SAT, Allen Cheng, a Harvard grad and perfect scorer. No matter your level, you'll find useful advice here - this strategy guide has been read by over 500,000 people. Read the 1600 SAT guide today and start improving your score. What's Next? Are you not sure whether to prep your student for the PSAT and SAT at the same time? Read our complete explanation of the similarities and differences between the PSAT and SAT and which students should study for which tests. Maybe, given the changes to the SAT, your student is considering taking the ACT instead. Check out our take on the pros and cons of each test and our guide to tutoring the ACT. Finally, if your student needs help with other parts of the college application process, take a look at our guides to researching colleges, writing about extracurriculars, and crafting a personal statement. Want to improve your SAT score by 160points?We have the industry's leading SAT prep program. Built by Harvard grads and SAT full scorers, the program learns your strengths and weaknesses through advanced statistics, then customizes your prep program to you so you get the most effective prep possible. Check out our 5-day free trial today: Have friends who also need help with test prep? Share this article! Tweet Alex Heimbach About the Author Alex is an experienced tutor and writer. Over the past five years, she has worked with almost a hundred students and written about pop culture for a wide range of publications. She graduated with honors from University of Chicago, receiving a BA in English and Anthropology, and then went on to earn an MA at NYU in Cultural Reporting and Criticism. In high school, she was a National Merit Scholar, took 12 AP tests and scored 99 percentile scores on the SAT and ACT. Get Free Guides to Boost Your SAT/ACT Get FREE EXCLUSIVE insider tips on how to ACE THE SAT/ACT. 100% Privacy. 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Best Online Courses for Students †Pro-Academic-Writers.com

Best Online Courses for Students The recent research has shown that nowadays students attitude to higher education has overcome a dramatic shift. Youngsters aged 18-24 studying full-time on a campus is not a standard model of student anymore. In our modern society people don’t see higher education as something unique and independent. Now we all try to combine it with jobs, travelling, and family. But still we try to do everything possible in order to obtain some degree in higher education, because in finding a prestigious position higher education is a must. For those who want to have time to do as much as possible, online education comes in handy. This way of studying is gaining popularity among all people of different age and social status. A lot of universities have different online courses where qualified teachers provide you with profound knowledge of your particular subject. Unfortunately, some people consider these courses a complete waste of time and money. Just because you have more conservative view s and got used to the old-fashioned way of studying at the university doesn’t mean that Internet education is only for lazy and unmotivated people. On the contrary, only advanced, active and highly motivated people give a priority to the online education and in this article you will see why it is so. Why is it good? In our fast-moving world and highly developed technologies people can receive a proper education everywhere and at any time. Online courses are extremely popular now. Let’s see why more and more people prefer this way of studying. Possibility to study at any time. The student who studies remotely can independently decide when is the most suitable time during a semester to dedicate to studying. He creates his individual schedule. Some educational institutions give students an opportunity to postpone studying for long term and to come back to it needlessly to pay again educational services. Possibility to create your own style of studying. Remote students don't have to worry that they will lag behind the classmates. It is always possible to return to studying of more difficult questions, to look at video lectures several times, to re-read correspondence with the teacher, and already known topics can be passed. The main task is to successfully pass intermediate and total certifications. Possibility to study everywhere. Students can study without leaving the house or office. To start the course you just need to have a computer and access to the Internet. Lack of necessity to visit educational institution daily is an undoubted plus for physically disabled people, for those who live in the remote districts or parents with small children. Combine studying with your primary activity. Online education gives you a chance to take up several courses at the same time or to get the next higher education. In this case it isn't necessary to take or to go to business trips. There are special educational organizations which will organize corporate training (professional development) for the office staff and civil servants. In this case study doesn't interrupt the seniority, and the studied material can be applied to work at once. High results. The research of the American scientists has shown that the results of distance learning don't concede or even surpass results of traditional forms of education. The remote student mostly studies independently. It improves storing and understanding of the covered topics. And opportunity to put knowledge into practice at once helps to consolidate them. Besides, the use of the latest technologies makes it more interesting and lively. Availability of materials. Remote students don’t face such problem as shortage of textbooks. The access to all necessary literature is opened to the student after registration on the site of university, or he may receive training materials by mail. Remote education is cheaper. If we compare internal and remote studying, the second will be cheaper. The student shouldn't pay the road, accommodation, and in a case with foreign higher education institutions it isn't necessary to spend money on visa and the international passport. Convenient for the teachers. Teachers and tutors who work remotely can dedicate time to the bigger amount of students and continue work even having a maternity leave. Individual approach. Usually teachers can’t provide their students with the descent attention during the class, but during the online education teacher will work with you individually and spend as much time as you need. Why is it bad? Of course, nothing is perfect and online courses have their own disadvantages, but they are not so terrible and you can live with them. The strong motivation is necessary. Practically the remote student masters all training material independently. It demands the developed will power, responsibility and self-checking. Not everybody manage to maintain the necessary rate of training without control from the outside. Lack of practical knowledge. Studying remotely the professions which assume a large number of a practical training is complicated. Even the most modern technologies won't replace to future doctors or teachers the "live" practice. Remote education isn't suitable for developing a communicative skill. At distance learning personal contact between students and teachers is very low, and sometimes it is even absent. Therefore such form of education isn't suitable for developing the communicative skill, confidence or team work. All in all, it is clear that online education is definitely a rescue for those who don’t have a chance to visit higher institutions due to lack of time, money or may be desire. So if you want to obtain a degree of higher education, you have an opportunity to do it even at home.

Compare and Contrast Essay Example | Topics and Well Written Essays - 1000 words - 12

Compare and Contrast - Essay Example Currently, education has been made online. Some researchers say this is perhaps the strongest force that will generate solutions to problems that face human beings ones and for all. Dr. Karen Head and Thomas Friedman are specialists prominent in education matters and technology. Dr. Karen gives a detailed analysis into the cost and value that is derived from online writing while Friedman speaks of the general perception in the current trend of online writing courses. Karen is of the view that online courses are not very active and is costly to the students contrary to Friedman’s assertion the technology reduces cost of learning. Online learning is an approach being used by many large institutions of higher learning. The outfit is tenable because it brings the vastness of professional lecturers into one single massive open online course massive open online course platform to deliver quality. In addition, students of varying demographical, sociological, psychological, philosophical and geographical origins connect to the same tool and are able to pursue their dreams. Karen and Friedman agree that the idea is braced for greater outcomes and when effectively utilized will bring positive change to world perception on education and use of the internet. With a simple personal computer or a smartphone, one log into the massive open online course massive open online course platform and takes courses at will. They also agree that the internet reach solves need to take up extra expenses that result from taking up training in a distant place where accommodation and transportation comes at a fee. Technology is a handy s olution to most of the problems human beings face and that enhancing the efficiency of writing classes will start with embracing the massive open online course platform. Karen believes that the process is complicated for the teachers, technical department and students before a single lesson is ready. It takes

Case Analysis Study Example | Topics and Well Written Essays - 1000 words

Analysis - Case Study Example Two thousand and five was the first time when Dietary Guideline for Americans (DGA) made a major federal nutrition policy guideline on the specified limit of the amount of sodium that should be consumed. The policy recommends that any individual of two or additional years are supposed to consume less than 2,300 mg of sodium every day. In addition, individuals perceived to be at high risk of contracting diseases caused by over consumption of sodium such as hypertension, middle-age, and older adults are recommended by the DGA to take sodium of not more than 1,500 mg a day. The analyses that have been made so far indicate that 69 % of American adults would fall under the recommended people to take low level of sodium (CDC, 2009). According to DGA, measures of salt during cooking and use at the table fairly have been stable and relatively small as compared to other amount of sodium found from other sources. In addition, the National Health and Nutrition Examination Survey (NHANES) has su ggested that platforms for reducing the salt consumption of a populace may be utmost fruitful if they are intended to focus on decreasing salt additional in the course of food processing in addition to changes in food variety. The recommendation to consume sodium that is lower than 2,300 mg every day by an organization known as the  Dietary Guidelines for Americans  is similar with the recommendations that were made by the Institute of Medicine’s (IOM’s). In their reports, it is evident that a majority of adults consume foods that have high level of potassium, water, chloride, sodium, and (IOM, 2005). In addition, their findings ascertains the necessity for public health tactics to moderate sodium consumption as well as the progress of substitute handling skills to ease the sodium content of nutrition. The IOM also emphasizes that distinct devotion should be specified to maintain texture, taste, low cost, and satisfactoriness of the end user. There has been many co ntroversy surrounding recent recommendation regarding the extension of the amount of sodium intake from groups that have the highest risk to the general American populations. According to experts, Americans need to reduce their intake of sodium, and this will promote a longer lifespan for the American population. Their recommendation is on the basis of different panels that offer their expert advice regarding human health. Studies based on the results of clinical results as well as other studies show that there are many advantages of consuming low sodium (Kovner et. al, 2011). These findings indicate that a diet that involves a low amount of sodium lowers the chances of individuals to succumb to cardiovascular related deaths. This finding serves to add strength to the recommendation by experts that Americans ought to reduce their sodium intake. It is important that people with hypertension or older individuals to consume low amounts of sodium to reduce the degree of putting their li ves at risk. Public health policies in America are then able to include not only the citizens who are at a high risk but the general American population. This is why the experts who made recommendations that Americans need to

School Budgeting Processes Coursework Example | Topics and Well Written Essays - 1000 words

School Budgeting Processes - Coursework Example For this reason, I would like to state that the District Superintendent of Schools and the School Management Boards should provide school principals with the following information about the budgeting process for their respective schools: Â  One of the most important lessons that each public school principal should have is the entire budgeting process. Therefore, the first thing that the District School Superintendent and boards of education should tell the school principals is about the type of budgeting strategy to be adopted in the school district. Having such information will definitely enable these school administrators to know the contributions which, as school administrators, they should be made towards a successful planning, drafting, and implementation of the school budget. Without a proper knowledge of this area, nothing much can be achieved so far. Â  However, given that the budgeting process is being devolved to the school levels, the District School Superintendent should adequately inform school principals about the on-site budgeting process. They should be told everything about this new approach and be challenged to take the initiatives to budget for their own schools. As school administrators, the principals should be informed that it is their responsibility to coordinate with the office of the school bursar in order to make the necessary budget approximations during each financial year. Once they get such important information, they will take the necessary steps to lobby their teams so as to initiate the budget-making exercise after thoroughly considering all the sources of school revenues and identifying the most necessary areas to spend on. Â  After informing the school principals that it is their mandate to oversee the success of on-site budgeting process in their respective schools, they should be challenged to be team players (Colander, 2007).

Financial Analysis Case Study Example | Topics and Well Written Essays - 1250 words

Financial Analysis - Case Study Example It is recommendable for Chris Miller to use the past financial performance – financial ratios of Chang Dental Clinic as well as his financial forecasts to convince the bank to loan him the required funds to purchase the dental practice. The past financial performance of Chang Dental Clinic will be useful to the bank in determining the financial performance and the capacity of the clinic to repay its debts which will then help it to determine whether to loan Miller or not. Miller should use the past financial performance of the clinic to convince the bank to loan him the required funds to purchase the practice. Liquidity ratios show the financial performance of the firm and also show the healthy level of the firm. The reason as to why Miller should use the liquidity ratios for the clinic is because the loan will be repaid by the money that will be obtained from the clinic. The performance of the clinic will determine its ability to repay the loan once it is granted to Chris Miller who will be the proprietor and owner of the clinic. Some of the important financial ratios which Miller should present to the bank are as follows: Current ratio and acid test ratio show the ability of a firm to pay for its short term liabilities. The short term assets of the clinic are able to pay for its short term liabilities since the financial ratio are more than 0.5. The debt ratio for the company has reduced significantly from 2003 to 2005. Debt ratio compares the total debt of a company to its total assets. The low and reduced percentage for the clinic indicate less risk for the clinic and that the clinic is heavily dependent on leverage and that the clinic has a stronger equity position. Increasing net profit margin or positive trend in net profit margin for Chang Dental Clinic is an indication if increased profitability. Return on assets illustrates how a

POWER AND VIOLENCE IN FAMILIES Movie Review Example | Topics and Well Written Essays - 500 words

POWER AND VIOLENCE IN FAMILIES - Movie Review Example However, the part where Jennifer Lopez is shown getting trained in just one month and taking a revenge on her husband is a bit dramatic and theatrical. It usually takes longer than that to get trained for self defense and learn martial arts. At the same time, one cannot say that this cannot happen in real life. If a woman is strong and determined, then she can do anything to fight abuse. So the movie is quite realistic. A: Wives who are psychologically weak are the ones who usually become the victim of abuse. It is their psychological and emotional weakness, and the fear of being abandoned, that makes women suffer the domestic violence silently. It is the lack of psychological weakness in the first place which makes them vulnerable to abuse. Huge amount of mental strength and determination is needed for women to overpower their husbands and fight physical abuse at home. Hence, it is not easily possible for abused wives to overpower their husbands physically. They lack the mental strength to do so. Unfortunately, it is the mental strength that is usually found missing in victims of physical abuse. A: No. One can say that a woman is ‘most battered’ when she experiences persistent beating for no reason, suffers physical injuries due to physical violence everyday, lives in constant fear, and is tortured mentally and emotionally. Most of the times, battered women suffer major physical injuries and psychological traumas which make them incapable of functioning normally in daily life. Most battered women lose their self-esteem, confidence, communication ability etc. However, this does not happen in case of Lopez’s character. Lopez is shown getting only one tiny scar on her face and no other major injuries. The physical abuse shown against her is quite less and hence, one cannot say that she presents ‘most battered women.’ A: This movie is definitely not damaging. In

Anaysing Organization Essay Example | Topics and Well Written Essays - 3000 words

Anaysing Organization - Essay Example The following pÐ °per will discuss this link Ð °ssessing operÐ °ting environment of TÐ °nglewood store. Discussion will be mÐ °de bÐ °sing on one of mÐ °nÐ °gement pÐ °rÐ °digms used to review the wÐ °y Ð °n orgÐ °nizÐ °tion functions. The most suitÐ °ble pÐ °rÐ °digm in discussion of orgÐ °nizÐ °tionÐ °l culture Ð °nd structure is interpretive discourse. Current paradigm was chosen because it assists in defining organizational culture and visualizing the structure of an organization.( As long as interpretetive paradigm aims to characterize how people experience the world, the ways they interact together, and the settings in which these interactions take place and thus, the discussion in present paper will be based on this specific approach (Burrell, MorgÐ °n, 1979). In the end, current pÐ °per will provide recommendÐ °tions for Ð °n orgÐ °nizÐ °tion in frÐ °mes of chosen pÐ °rÐ °digm. The structurÐ °l chÐ °nges of orgÐ °nizÐ °tionÐ °l strÐ °tegy Ð °re presented Ð °nd recommendÐ °tions to the top mÐ °nÐ °gement teÐ °m Ð °t TÐ °nglewood Ð °re provided. TÐ °nglewood is Ð ° leÐ °ding chÐ °in of retÐ °il stores proposing items such Ð °s clothing, Ð °ppliÐ °nces, electronics, Ð °nd home decor. There Ð °re Ð ° totÐ °l of 243 stores wÃ'â€"th more thÐ °n 29600 people employed in the stÐ °tes of WÐ °shington, Oregon, Northern CÐ °liforniÐ °, IdÐ °ho, MontÐ °nÐ °, Wyoming, ColorÐ °do, UtÐ °h, NevÐ °dÐ °, New Mexico, Ð °nd Ð rizonÐ °. The compÐ °ny operÐ °tes in the moderÐ °te price niche, tÐ °rgeting middle- Ð °nd upper-income customers. TÐ °nglewoods strÐ °tegic distinction is Ð °n â€Å"outdoors† theme, with Ð ° lÐ °rge cÐ °mping Ð °nd outdoor living section in every store. The store Ð °lso distinguishes itself by its simple, elegÐ °nt, Ð °nd uncluttered design concepts for the store Ð °nd their in-house products (Ð ilÐ °wÐ °di, Keller, 2005). The compÐ °nys mission stÐ °tement is: â€Å"TÐ °nglewood will be the best depÐ °rtment store for customers seeking quÐ °lity, durÐ °bility, Ð °nd vÐ °lue for Ð °ll Ð °spects of their

POWER AND VIOLENCE IN FAMILIES Movie Review Example | Topics and Well Written Essays - 500 words

POWER AND VIOLENCE IN FAMILIES - Movie Review Example However, the part where Jennifer Lopez is shown getting trained in just one month and taking a revenge on her husband is a bit dramatic and theatrical. It usually takes longer than that to get trained for self defense and learn martial arts. At the same time, one cannot say that this cannot happen in real life. If a woman is strong and determined, then she can do anything to fight abuse. So the movie is quite realistic. A: Wives who are psychologically weak are the ones who usually become the victim of abuse. It is their psychological and emotional weakness, and the fear of being abandoned, that makes women suffer the domestic violence silently. It is the lack of psychological weakness in the first place which makes them vulnerable to abuse. Huge amount of mental strength and determination is needed for women to overpower their husbands and fight physical abuse at home. Hence, it is not easily possible for abused wives to overpower their husbands physically. They lack the mental strength to do so. Unfortunately, it is the mental strength that is usually found missing in victims of physical abuse. A: No. One can say that a woman is ‘most battered’ when she experiences persistent beating for no reason, suffers physical injuries due to physical violence everyday, lives in constant fear, and is tortured mentally and emotionally. Most of the times, battered women suffer major physical injuries and psychological traumas which make them incapable of functioning normally in daily life. Most battered women lose their self-esteem, confidence, communication ability etc. However, this does not happen in case of Lopez’s character. Lopez is shown getting only one tiny scar on her face and no other major injuries. The physical abuse shown against her is quite less and hence, one cannot say that she presents ‘most battered women.’ A: This movie is definitely not damaging. In

Business management Essay Example | Topics and Well Written Essays - 1250 words - 1

Business management - Essay Example The case, â€Å"eBay in 2002: The Challenges of Sustained Growth† analyse the business environment and the company’s strategic objectives through a combination of industry analysis, competitive analysis and a SWOT analysis and aim at identifying issues which needs attention. The case analysis will also provide brief recommendations in terms of strategies and tactics, which the company can deploy in achieving its strategic goals. In crafting strategies, to gain and maintain a sustainable competitive position in an industry, it is imperative that companies assess the competitive forces at work within the industry in which it operates. Porters Five Force Model can be a useful analytical tool in assessing the competitive forces operating in the online auction industry. The Five Force Model considers the competitive pressures arising from Threat of Substitutes; Rivalry among competing sellers in the industry; Substitutes potential of winning over industry customers; Supplier seller collaborations and bargaining as well as the Seller – Buyer collaborations and bargaining. For e-Bay the Threat of substitutes is coming from traditional models of auctioning, flea markets and classified ads. The retail online stores operated by individual companies also pose substitute products for e-bays product offering. Direct marketing can also be perceived as a substitute. Thus, it can be noted that this competitive force is high in the industry. Threat of new entrants is very high in the e-commerce business-scape. The setting up costs is relatively low and legislature is not tedious. The readily available software makes the process of setting up e-commerce sites ever easier. Since eBay launched its auction site in 1995, the number of auction sites has grown over 2750 by 2001.Thus, this competitive force too is high intensity within the e-commerce sphere. Rivalry among competitors – When rivalry among the competition is high in industries, the pressure on pricing

Health Disparities in African Americans

Health Disparities in African Americans Despite the continuous improvement and attention to the entire health of Americans, the African Americans are prone to more chronic health problem as compared to other races. The disparities are multi-variant and are contributed by numerous issues such as the social, economic status and the lifestyle behaviors. The heart and cancer disease are the major leading causes of death among the African Americans aged from 18years as per the 2002 census. In 2009, health expenditure of USA reached $2.5 trillion, but despite the tremendous increase, there exists a disproportionate health condition that is defined according to ethnic and racial lines. Though the causes related to disparities in health are diverse, it remains significant to understand the part played by the social-economic status in the health of an individual. People experiencing low economic status can be characterized by poor sanitation, poor housing, poor working conditions and unbearable social environment (Airhihenbuwa and Liburd 3). Moreover, issues of inadequate health care resources and poor health care system, accessibility that impact the health directly or indirectly are evidenced in communities where economic instability exists. Among the African Americans, the effects of poor economic status are pronounced with mortality and morbidity remaining high in America. The African Americans have the highest level of obesity in America with 58% of the men and 59% of the women being either overweight or obese. An overweight person is a 2-6 time likely to experience high blood pressure as compared to normal weight. This can be substantiated by the continuous increase of African American suffering from health problems related to obesity, such as hypertension, high cholesterol, and stroke among other problems. As per the American Heart Association, cardiovascular disease ranked as number one in killing the African American as compared to the other races as a result of their lifestyle and the poor economic status that subject them to poor health conditions. It is documented that 36% of the African American deaths are caused by cardiovascular disease which is more than 290000 people who die each year (BRANNON 214). The smoking behavior among the African American is high as compared to other races living in America and is associated with an increase of dis ease manifestation since it raises the blood pressure overworking the heart as it tries to maintain the blood flow. The culture of African American also facilitates to health disparities among the races (Braithwaite, Austin and Taylor ). The tradition of the African American revolves around the family, interacting and sharing, which mainly centered on foods that have high levels of fat, calories and thus these people are less concerned about health consequences. Intervention plan The intervention purpose to reduce the racial and ethnic disparities that exist in health among the Americans. The disparity in America has been extensively documented, and thus an intervention program is needed to reduce it, ranging from quality of care, language difficulties, and accessibility to health care and the insurance cover. The intervention plan revolves around a program designed to enhance equity as well as compelling the government to assess on policies that uphold health equity among the Americans. Equity, according to the Institute of Medicine is one of the major fundamental realms towards high-quality care. The plan purposes to encourage an integrated approach that is evidence based and adopt practices that can reduce the existing disparities. The plan aims to transform the health care in America and can be accomplished through the government focusing on the equitable distribution of healthcare amenities in all regions to ease the accessibility that has resulted to increased disparities. The effectiveness of pay for performance strategy need to be evaluated to ascertain the best mechanism to be adopted to enhance effective services. In terms of increasing the efficiency and accountability, the plan reflects on the well-being of the people. The economic status subject people in different classes and the disadvantaged people economically face the challenge of accessing the best health care services and thus a health insurance that is standardized need to be implemented to ensure the health care professional equality treats the patients. Sensitize the people on the importance of upholding various issues to ensure disparities in health is reduced. For instance, the African American need to understand their culture facilitate to disparities realized in America (Airhihenbuwa and Liburd). Through sensitizing on the importance of creating a culture of equity through ensuring the people understand disparities are problems and that they exist among themselves through their patients and thus a need for responsibility is required to address the issue as a way of accomplishing health equality in America. In advancing the health, safety and the wellbeing of the Americans, the plan reflects on the impact of the lifestyle adopted by the people facilitates the disparities in health care. America has different races with African American culture identified as vulnerable to attract numerous health issues. In this consideration, an awareness initiative to uphold activities towards better health services and low level of diseases need to be put in place. Initiating a system that facilitates a collaboration of all stakeholders to warrant an efficient system that will reduce the gap existing among the people as a result of cultures can be managed with a program focusing on equality among the American people. The importance of radical science and innovation is key considering the diseases that are causing increased mortality, and thus in terms of reducing the disparity, the plan encourage innovative mechanism to be adopted to ensure the treatment is available. This can be accomplished through strengthening the American health human resources and infrastructures. Awareness of the factors that influence the eating style in terms of how much and what an individual eats can assist in making the appropriate eating choices. In America food is adequate and this poses options of something to eat especially unhealthy eating. In my nutrition plan, the issue of routine remains a priority to ensure people, upholds balanced meal while the children learn the cultural and social skills (Braithwaite, Austin and Taylor ). Highlighting of unhealthy food and discouraging them and encouraging the consumptions of fruits and vegetables. Nutrition plan Ensure your daily meal upholds balance diet. On this part avoid pre-packaged, frozen, microwavable and any other unhealthy food. Timing is a key factor that needs to be observed on issues of food to avoid eating many times in a day. Take one breakfast, lunch and supper and a snack in a day and uphold this diet. For breakfast, you need to take a strong one to have the energy for the day and should be nutritious and uphold balanced diet. Lunch should uphold balanced diet and adequate as well as dinner with avoidance of snacks and unhealthy eating prevailing. Benefits of physical activities As reflected above the African American have problems with weight with a big percentage suffering from obesity. Obesity and overweight lead to energy imbalance where people consume more calories as compared to those being burnt. The calories burnt are determined by many factors such as age, gender, and body size among others, but the activities performed is the most variable factor. Activities can assist people to maintain weight, lose weight and keep it lowered the risk of heart diseases, hypertension, stroke, diabetes among others. Adopting this strategy among the African American community the level of health issues and the mortality rate will reduce significantly. To implement the strategy in an effective way can be through sensitizing the people through the available media sources on the importance of physical activities. Through this mechanism, adopting a foundation that aims at enlightening the African American on the importance of checking the weight and assisting them in various ways to activities they can engage into work on their body weight. Though the foundation might not reach every person, but the sensitization remains the key factor to manage body weight and other lifestyle activities that subject them to continuing health problems (Jackson 4). The issue of inadequate knowledge of the measures that can be upheld to enable an individual to overcome issues of obesity, overweight, hypertension and heart diseases that are heavily associated with the mortality of the African American and the entire pop ulation of America. The economic stability of African Americans is way down as compared to other races in the country, and thus the issue, taking precautions remain a vital issue, and a foundation can be in a position to facilitate accomplishment of this issue. The foundation is in a position to raise enough money that is required to enable the mobilization and sensitization of the people on the importance of clean environment. Cleanliness reduces the transmission of diseases, and thus, despite the few health amenities in this area, knowledge remain a substantial among the people to prevent themselves from diseases. The education will also involve the significance of balanced diet and observe the mode of feeding as a way to reduce health problems. The inadequate knowledge on the best diet to control the increasing of calories and cholesterols in the body requires this program to enlighten people on the best way to balance the physical activities and the calories taken. The foundation also understands th e gap that exists on the issue of understanding how insurance works and the importance of being insured either by the government or a private insurance company. Through the foundation that specifically focus on bettering and enlightening the people in the various ways, they can naturally avoid health issue could highly reduce the health problems aiming the African American community as well as the other communities in America. Conclusion Disparities in health care in America are relevant and requires substantial policies to reduce or even equate every person in the country. As reflected in the paper the African American are disadvantaged in various ways subjecting them to poor health care. However, the adoption of the right programs, equality, and health care services that fit all American can be attained. Airhihenbuwa, Collins O., and Leandris Liburd. Eliminating Health Disparities in the African American Population: The Interface of Culture, Gender, and Power. Health Education Behavior (2006): 3-14. Braithwaite, Ronald L, John N Austin and Sandra E Taylor . Health issues in the black community. San Francisco: Jossey-Bass, 2013. BRANNON, LINDA. Health Psychology: An Introduction to Behavior and Health. Belmont: CENGAGE LEARNING, 2017. Jackson, Allen W. Physical Activity for Health and Fitness. Leeds : Human Kinetics, 2004.