Social work reflective practice Essay Example | Topics and Well Written Essays - 2250 words

Social work intelligent practice - Essay Example 26). Social laborers as a rule are normally urged to think as indicated by the terms of management, earth shattering methodology and mixture in broad running. Thusly, a social mental point of view on social occupation administration is both compulsory and pivotal for this variety of concern. Critical thinking and learning are firmly related. Critical thinking includes the information required by the responder which then again learning satisfies it totally. There are various strategies to critical thinking that empowers one to take care of various issues, clashes and a lot more issues (Reamer 2013, p. 36). Every one of these techniques expect one to initially recognize the issue. The reflection can be utilized as the center procedure of taking care of or dissecting the current issue, which for this situation is a contention between two young people engaged with a battle with a reach out of both admitted to the emergency clinic by the police. In this undertaking, the intelligent model will push the responder to completely adjust to the assignment which is the contention. The two young people gazed and contended due to a simple issue, which drove them to a savage battle. That which is regularly known as â€Å"intelligence† is doubtlessly the aftereffect of the commun ication of an incredible number of intellectual The utilization of inspiration and realizing the foundation will; be that as it may, assist me with knowing the reason for the battle, which will be achieved capacities, for example, engine control, vision, learning, critical thinking, and language use, just to give some examples (Akhtar 2013, p. 55). However, most analysts don't completely abuse the limitations that these resources force on each other. For instance, research on critical thinking regularly accept the presence of rich space information for taking care of complex issues, yet it is run of the mill disregards the issue the procurement of the expected information. Additionally, research on adapting frequently sees the student as an element unto itself, and core interests

Battle of San Jacinto Essay Example | Topics and Well Written Essays - 750 words

Skirmish of San Jacinto - Essay Example The scientist expresses that numerous American workers had moved to Mexican Texas with full sponsorship by the Mexican government close to the start of the Mexican Independence. These outsiders began to ascend against the Mexican government in 1835 when the administration of Santa Anna proclaimed autocracy rule over the nation. Continuously, Texans framed a temporary government and began a development for freedom. This development for autonomy was upheld by numerous Americans, who elected to help the Texans in this development. A military was framed by the assistance of these volunteers. In 1836 Santa Anna entered Texas with his military to reclaim its domain and set it back heavily influenced by Mexico. Two fights were battled at Alamo and Goliad. Both of these fights were won by the Mexican armed force and an enormous number of Texan armed force was butchered fiercely. After these two fights general Houston drove his military against the military of Santa Anna close to the stream o f San Jacinto in Texas. General Houston end up being an exceptionally sharp and far located pioneer. The quantity of men in the Mexican armed force was at that point more than that of the Texan armed force and Houston would not like to offer time to Santa Anna to call for additional soldiers. Because of this explanation he chose to execute an unexpected assault against the Mexicans. This was a significant hazard on General Houston’s part in light of the fact that in this arrangement a large portion of his military would be presented to the Mexicans. Then again a basic slip-up was made by the Mexican chief Santa Anna, in his certainty picked up by the last two successes; he didn't give a lot of consideration to this fight and neglected to post posts for any unexpected assaults by the Texan armed force. This unexpected assault by the Texan armed force was directed at night of 21st April. The Texan armed force pushed ahead without getting captured by the Mexican armed force on t he grounds that their methodology was covered up by trees and the lopsided ground. Ruin rules on the foe as the Texian mounted force assault their staggered partners with cutting sabers (McDonald, McCord and Haas 2008). This thing worked in the kindness of the Texans since Santa Anna had not sent any men for posts. The scaffold on the stream was cut off by the Texans with the goal that no retreats or fortifications were conceivable. This was for both the armed forces since now the main way out of this was the ten feet water. The Texan infantry was driven by General Houston himself. It was an all around arranged assault and the Mexican armed force was totally encircled by the aggressors. The Texan armed force had two mounted guns weapons called the twin sisters which were given to them by the city of Cincinnati. These weapons were put in the fight and were of extraordinary assistance. It was a totally quiet assault and the Texan powers didn't uncover themselves until they were a coup le of yards from the Mexican armed force camps and afterward charged. They charged while yelling various mottos of â€Å"Remember Goliad† and â€Å"Remember Alamo†. The Texan armed force began terminating at the astounded Mexicans. The Mexican armed force was not set up for this sort of assault by its rivals and was totally overwhelmed. A large portion of the Mexican armed force was resting or sleeping in the wake of building strongholds. Some of them were gone to assemble woods while a portion of the others were bringing water at the hour of the assault. The unarmed Mexicans had no real option except to ran and a total confusion was made in the Mexican

What to Look For in the Best Online Writing Service

What to Look For in the Best Online Writing ServiceWith all the available sites that offer free services, it is sometimes hard to determine the best online writing service. How can you tell the difference between one that will help you with great content and one that is only in it for the money? Here are some things to look for when evaluating a writing service.A good service will have an easily accessible website. You should always be able to go to the site and find exactly what you need to publish your online article. If you don't have the time to check back every day to see if something has changed or you just want to keep on top of what's going on in your article, then you'll appreciate knowing that the site you're using is easy to get to. Don't forget, your content may be published by someone else as well, so you need to be able to have easy access to it too.Another good sign of an excellent online writing service is its price. It doesn't make sense to pay top dollar for just pl ain old content. This is especially true with articles that aren't that important. If you want to use the best online writing service, then you'll need to be paying attention to their pricing structure.Keep in mind that the best online writing service isn't necessarily the one that charges the highest. They might just be charging the most because they're the ones who know everything there is to know about writing. They're more willing to spend the time and resources into getting the best content out there, than those who just want to make a few bucks by putting together cheap generic articles.It is also important to see how involved the site is in the area you're trying to promote. Many sites are only interested in the money aspect of publishing articles and are not really focused on content or getting the word out. If you want to see results, then you'll need to choose a site that is truly committed to making your work reach its intended audience.With the advent of the Internet, ma ny online writers have found themselves working as freelancers. When you're just starting out in this field, you may not have the experience that you need to be fully engaged in your work. You'll definitely need to look for a site that offers assistance and advice that will give you guidance and resources to continue to improve your craft.While you're looking for the best online writing service, you'll also want to make sure that it is actually free. You'll want to look for a site that doesn't charge you anything to post your work or guarantee your success. Remember, the site you choose is there to make it easier for you to get the job done, so be sure you're choosing one that fits this philosophy.It is important to remember that a professional content service is one that will provide you with high quality articles, but it is also important to remember that the best writing service will be the one that is affordable and easy to use. Finding a site that works for you and your needs w ill be a great starting point.

Mary Shelley s Frankenstein - Romantic Ideology Of A...

Romanticism, the literary movement that began in the late eighteenth century and gained strength during the Industrial revolution, emphasizes emotion, sublimity, and the significance of nature among other things. Writers during this time period wrote literature that was a clear reflection of Romanticism, and one of those authors was Mary Wollstonecraft Shelly. Her novel Frankenstein, which was published in 1818, incorporates different characteristics of Romanticism in many aspects but more directly through the characters. With an analysis of Victor Frankenstein, the monster, and Henry Clerval, it is clear that the characters of Frankenstein epitomize ideologies that were embodied during the Romantic Era including the Byronic hero, and emphasis on nature’s significance. Victor Frankenstein s character is an example of the romantic ideology of a Byronic hero. According to the article, Generationalizing: Romantic Social Forms and the Case of Mary Shelley s Frankenstein, published in 2010, The Byronic Hero, also known as the Romantic hero, usually pursues a romantic quest and is found in Romanticism as well in Frankenstein. Victor Frankenstein’s story is a mission toward self-destruction, and he reflects a Romantic hero precisely. The Romantic hero is not as honorable as the stereotypical idea of a basic hero but rather, has numerous destructive qualities. Frankenstein is radical considering his intelligence, pride, interests, and self-destructive tendency. He is a person

Essay On George Orwells 1984 - 1385 Words

Nour Hachouche Mrs.Asmaa English 12 11th November, 2017 Orwell’s 1984 In the midst of a world completely blind to the truth, there was a man who’s seditious thoughts opened our eyes to a destructive future. Eric Blair, most commonly known as George Orwell, was born in Bengal and brought up in a society divided by social classes. Orwell graduated from Eton and decided to drop out of college to join the Indian Imperial police in Burma, where he experienced the cruelty of the world. He had an epiphany after returning back to England and was suddenly consumed in translating his fervent emotions of hatred and anger into words. World War II has just ended after a long period of constant war over land, minerals and weapons when Orwell began†¦show more content†¦Appearance vs Reality is the struggle which the protagonist , Winston, faces throughout the novel. â€Å"The outward appearance which conforms, the inward life which questions† could be most suitable to describe Winston’s dilemma. Winston is forced to conform outwardly b ecause it is a crime to show any face expressions of doubt or wonder, also known as facecrime, which indicates thoughtcrime, the action of simply thinking and questioning the beliefs enforced upon a person. Winston’s continuous struggle of maintaining a perfect countenance was almost inhumane, however, during the two minutes hate, he admits that â€Å"he could not help sharing the general delirium†, â€Å"it was impossible to do otherwise, to dissemble your feelings, to control your face, to do what everyone else was doing, was an instinctive reaction.† That, however, was not the first sign of his struggle. As Winston finally reached his apartment, he walks over to his window with his back to the telescreen â€Å"It was safer; though, as he well knew, even a back can be revealing,† staring out at the Ministry Of Truth, his workplace. When he turned around, â€Å"He had set his features into the expression of quiet optimism which it was advisable to wea r when facing the telescreen.† Winston’s incredulous nature refused to accept the formidabile lies they fed. He craved an insurrection which explained why his body screamed in pain everyShow MoreRelatedEssay on Analysis of George Orwells 19844218 Words   |  17 PagesAnalysis of George Orwells 1984 War Is Peace. Freedom Is Slavery. Ignorance Is Strength. The party slogan of Ingsoc illustrates the sense of contradiction which characterizes the novel 1984. That the book was taken by many as a condemnation of socialism would have troubled Orwell greatly, had he lived to see the aftermath of his work. 1984 was a warning against totalitarianism and state sponsored brutality driven by excess technology. Socialist idealism in 1984 had turned to a total loss ofRead More George Orwells 1984 Essay992 Words   |  4 PagesGeorge Orwells 1984 There is, in every person, a secret part of ones self that is kept completely secret. Most often than not, it is a place of solitude, where no one else is admitted entry. Logic does not rule here; pure instinct, the drive for survival, is what reigns supreme in this realm. However, there are those chosen few who are allowed in, and it is they who are most dangerous; they alone know how to best maul, injure, and in the end, betray. Orwell created such a relationshipRead MoreEssay on George Orwells 19841430 Words   |  6 Pagesï » ¿ Unit 3: A Struggle for Freedom Activity 8: Literary Essay Brittany Ennis ENG3U Mrs. King July 19th, 2013 In the book 1984 by George Orwell, there is a lot of symbolism that represents one major themes of the book. These symbols reflect the theme that a totalitarian government does not allow freedom. The goal is to control the thoughts, the hearts and the minds of the population. Those that are different are centred out to beRead MoreGeorge Orwells 1984 Essay706 Words   |  3 PagesGeorge Orwells 1984 What look on humanity and human nature, if any, can be seen through this book, 1984? 1984 examines a future under the rule of a totalitarian society. One of the unique notes about Orwells 1984, is theRead MoreGeorge Orwells 1984 Essay1037 Words   |  5 Pages1984 is a powerful work of George Orwell, but one of the key components to the book is the dream of Winston and how that dream relates to the book overall. Winston dreams of the deaths of his mother and sister. They were sinking in water, sacrificing their lives in some tragic, loving way to keep Winston alive. The dream then changes to the Golden Country, an idyllic setting. A girl runs towards him, carelessly tearing off her clothes in defiance of the Party. Winston wakens with ShakespeareRead MoreEssay on George Orwells 1984667 Words   |  3 PagesOrwells 1984 1984 as an Anti-Utopian Novel A utopia is an ideal or perfect community. While some writers have created fictional places that embody their ideals societies, other writers have written satires that ridicule existing conditions of society, or anti-utopias, which show possible future societies that are anything but ideal. In 1984 , George Orwell presents a terrifying picture of future as life under the constant surveillance of â€Å"Big Brother.† This book 1984 is an anti-utopian novelRead MoreEssay on George Orwells 19841536 Words   |  7 PagesGeorge Orwell’s Nineteen Eighty-Four presents a negative picture, a society that is ruled by totalitarianism. The government that is created in the novel is ruled by Big Brother and that consist of three branches. â€Å"The Ministry of Truth, which concerned itself with news, entertainment, education and the fine arts. The Ministry of Peace, which concerned itself with war. The Ministry of Love, which maintained law and order. And the Ministry of Plenty, which is responsible for economic affairs.† (OrwellRead MoreGeorge Orwells 1984 Essay1038 Words   |  5 PagesThe Book 1984 was written by George Orwell shortly after W.W.II. I think this book really shows us what would happen if the government gets too powerful. It was written long ago and set in the future, but I feel like the message is still very relevant today. This story takes place in an imaginary country called Oceania; it is one of the three large super states in the world of 1984. Oceania is a society similar to Hitlers Germany; with absolute power in the government and absolutely no individualismRead More George Orwells 1984 Essay1690 Words   |  7 PagesGeorge Orwells 1984   Ã‚  Ã‚  Ã‚  Ã‚  War is Peace. Freedom is slavery. Ignorance is strength. These are the beliefs that the citizens of Oceania, in the novel titled 1984, written by George Orwell, live by. In this novel, Oceania, one of the three remaining world super powers, is a totalitarian, a society headed by Big Brother and his regime, known as the ministries of Truth, Love, and Peace. A totalitarian government is defined as a government characterized by a political authority which exercisesRead MoreThe Way To Revolution In George Orwells 1984 Essay1635 Words   |  7 PagesThe Way to Revolution in George Orwell’s 1984 Rebecca Solnit, a modern day author, essayist, and activist once wrote that â€Å"The revolution is waiting, but it doesn’t look like what people expected†. Revolution has been both glorified and criticized in human society, but no matter the cause, it is a fundamental change in the status quo. When revolution boils down, it comes to passion, but also the willingness of the few to take great risks for the many. George Orwell’s 1984 returns again and again

Essay about An Inside Look at Norse Mythology - 985 Words

Creation: The Nine Worlds In the beginning of time, there was no soil and no sky. The Only thing that existed was the Ginnungagap, the abyss. (http://www.pantheon.org/articles/g/ginnungagap.html) The Frost from Niflheim and the flames from Muspelheim came toward each other until the met in Ginnungagap. And from the flames and Frost, it created Ymir, the only living being and first of the godlike giants. Ymir was able to produce asexually and when Ymir sweated more giants were born. As the frost melted a cow by the name of Audhumbla emerged from it. Audhumbla nourished Ymir with her milk. And because of that she was nourished by salt-licks in the ice. As she licked the ice she uncovered Buri, the first Aesir tide of gods. Buri then had a†¦show more content†¦Hvergelmir is the origin of every living and place where everyone will go back. The next world, Muspelheim, the land for fire. This world was created to the southern region of the world. Muspelheim is a lava filled world with flames, sparks and soot. Home to Muspelheim si the fire giants and fire demons. Who ruled the giant Surt. Surt is a sworn enemy of the Aesir and will ride out with his sword when Ragnarok comes. He would then smite Asgard and turn it into the flaming inferno world just like Muspelheim. The third world, Asgard, home of the Gods. Asgard is held in the middle of the world, high up in the sky. Asgard is home to the gods and goddesses. The males in Asgard are the Aesir, while the females are reffered to as Asynjur. Odin is ruler of Asgard and is also chief of the Aesir. Odins wife, Frigg, is the Queen of Aesir. Inside Asgard, is Valhalla; the place where Vikings died in battle go in the afterlife. Valhalla is in the front of Asgard and contain 540 doors. The doors are wide enough that 800 warriors can walk next to each other. The roof is made of golden shields, and the walls are made of wooden spears shafts. Only half came to the huge building while the other half were sent to the goddess Freya. In the mornings the warriors would put on their armor and grab their swords and fight. After every battle the great dinner would restore all of them back to normal. The world of humans, Midgard, also called â€Å"Middle Earth†. Midgard is in theShow MoreRelatedNorse Mythology : The Norse Gods1750 Words   |  7 PagesHow Marvel Comics has Americanized the Norse Pantheon Norse mythology has always been close to the consciousness of the public. If we look at all the references in comics, movies, literature, art, music and graphic novels it is absolutely full of them. This close relationship to the Norse myths could be embedded into our society partly because of the influence of Christianity into the Scandinavian culture during their changing of religion. The texts that we have as our source material are theRead MoreThe Tolkien s The Hobbit862 Words   |  4 Pagesjust have to look hard enough to find them. Bilbo is a hobbit quite content staying where not much happens. His comfort is shattered by the arrival of the old wizard Gandalf, who persuades Bilbo to set out on an adventure with a group of thirteen militant dwarves. â€Å"As the dwarves sang the hobbit felt the love of beautiful things made by hands and by cunning and by magic moving through him, a fierce and jealous love, the desire of the hearts of dwarves. Then something Tookish woke up inside him, andRead MoreThe Tolkien s The Hobbit1143 Words   |  5 Pages Mythology and Literature We tend to think of myth as an untrue story or as an outdated explanation of a mystery long since cleared up by science, but myth is actually a framework of meaning, a set of collective fantasies that story our relationship to each other, the world and the universe. To tell a myth is to tell a culture s dream about its inner workings and truths. A myth tells its tale through symbol, image and metaphor. The Hobbit is a mythic image in our modern day society. It is writtenRead MoreA Formalistic Analysis of The Fatal Sisters684 Words   |  3 PagesA Formalistic Analysis of The Fatal Sisters  Ã‚      In â€Å"The Fatal Sisters† Thomas Gray has created a monologue pregnant with references to history, geography, and mythology. These reappearing references and allusions enrich the text, as they allow a closer look at the political situation surrounding eleventh century Britain.   The poems’ sixteen stanzas exhibit an ABAB rhyme scheme, which provides for systematic organization and positive aesthetic effects.   Closer examination of the setting, toneRead MoreSupernatural Is The Longest Running Sci Fi Tv Show1709 Words   |  7 Pagesfor 12 seasons. It follows the life of Sam and Dean Winchester. The reason this show has been so popular is because of the many references to religion or religious aspects to characters in the show. The show mainly references Christian and Judeo mythology. It stays on the line of Catholic theology. However, it does dive into Hinduism, voodoo, and Islam in a few episodes. There is no one religion that the show focuses on. It’s mo re that they take one aspect of a religion as use that as the â€Å"MonsterRead MorePresentation Of The Hobbit From Sweden And Finland1345 Words   |  6 Pagesknew that there had to be some connection between the two. When looking through Scandinavian mythology, I stumble upon the myth of the Nà ¸kken. The Nà ¸kken is a water spirit in Germanic mythology that spreads into Scandinavia as a male water spirit (2), typically believed to be of a malevolent nature. Similarly, there are features about the Nà ¤cken (6), which too is a water spirit in Scandinavian mythology, which resemble Gollum the picture from the Finnish version of the book. One key feature thatRead MorePrometheus : Alien Religion.1902 Words   |  8 Pages This essay highlights religious references in this book and explains their symbolism. There are many similarities between the movie Prometheus and the life of Jesus. For example, the title of the movie, Prometheus, refers to a titan in Greek mythology who created mankind, and defied the gods for humanities’ sake, by giving humanity fire which belonged to the gods and was thus chained up to a stone where his liver was eaten everyday by an eagle and grew back before the next day as his punishmentRead MoreWomen s Suffrage Movement : The Perfect Woman2632 Words   |  11 Pageswomen were viewed as by a society, and their evolution of independence, has bled through in literature, especially through female deities in ancient mythologies. Over time, goddesses of different mythologies have grown bolder and more powerful as the world finally noticed that women were actually people, not pretty trophies. Greek, Roman, and Norse societies were not mutually exclusive, but how they treated their women, and how they portrayed their goddesses, is drastically different. 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The Oseberg ship burial, as it has come to be known, gives us important information on Norwegian Viking culture.   Ã‚  This essay will look at the history of its discovery, the ship itself,   its object s, the intriguing carvings, the intricate fabrics, and of course, the bodies .   By studying the Oseberg burial ship we can learn about burial practices, Norwegian Viking diets, Norwegian

The Differences of Education Between China and U.S free essay sample

The Differences of Education Between China and U. S BY bballlJ15 The Differences of Education between China and U. S Based on checking the extensive literature and summing up the evidence, it is clear that study about differences of higher education between China and US has carried out a lot which mainly explaines the differences from different aspects of higher edcation between China and the United States. Such aspects mainly includes the social environment and cultural tradition, higher education system and reform measures. In the Integration of these ifferences, advantages and evils of both educational systems have been evaluated respectively, and corresponding improvement measures were also put forwords. By summary, the detailed conclusions are listed as follows: US is a open society. The societys openness urges the American college to abandon old educational thoughts which European traditional universities stick to, adopt the open policy to absorb all advatanges from other countries and establishe a diverse and open education control system which emphasizes on the actual effect. We will write a custom essay sample on The Differences of Education Between China and U.S or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page US is the biggest migrant ountry which has very strong containing nature in the culture. American economy ephiseizes on the practical value, matter rewards as well as individual value realization with fast development, rich material life, strong material idea and etc[2]. Uss higher education was considered as the best education in the world. Comparing the elementary education between American and China, peoples universal view will be: Chinas elementary education aims to build the foundation of education with more study and less thought; while USs education aims to bulid such an education to raise the creativity with less study nd more thought. Now Chinese students are generally regarded as intalents with few intelligence and high scores. What causes for such a view? Because the Chinese students study more, actually pay little attention to the practice, and cannot study for the purpose of application. Therefore, it is very important for Chinese higher education to cultivate the idea of unifying the study and prctice. USs education pays more attention to raise students of supporting oneself, but Chinas education emphases on training the students to be strict,rigorous spiritual. bviously, Chinese education may fruitfully develop and ultilize the function of cerebrum, but USs higher education could expand the function of cerebrum by ultilizing and synthesizing the information outside. economy; US education aims to adapt for society demand, they explicitly stipulate three big functions including educations service for the economic development, scientific research and teaching. The manifest of service in the establishment of specialty curriculum is to meet the social need, set up special curriculum and specialty which the society needs; In Chinas universities, during quite long period of ime, the establishment of specialty curriculum lacks the change and couldnot follow social demand. In order to adapt the society, the American universities has established many specialties and curriculum of choice for students; The students choose or transformate specialties and schools according to own interest and hobby. The American higher education system is extremely diverse and flexible, which is solo in the world higher education; In China, the student may choose the specialty according to own interest and hobby, but change of specialty in the school is not easy, and transformation of school is more difficult. When American school inspects the result of student, they emphasize more on the ability to analyze and solve the question but not the ability of memory or description. The American students donot need the mechanical memorizing, but display creative thought as far as possible; This can cultivate students study interest, raise the ability of doing it byself and make the study be one kind of creative action. Many teachers still adopted old teaching ways in the Chinese universities, thus take a test which needs mechanical memorizing. Due to the development of science nd technology, connections between higher education and national politics, economy, science,culture, military relation is day by day closer. The higher education is vigorous and upward, and it not only simply performances for the growth of quantity, but especially has had the huge change in the nature[l]. The advanced level of higher education has become a thesymbol of national strength. We should clarify the difference of higher education between China and American, at the same time absorb the advantges to profit from the American higher education so as to faster the reform andthe development of our higher education.

Padini SWOT Report Essay Essay Example

Padini SWOT Report Essay Essay Padini is a taking trade name in Malaysia. There are broad scope in manner and pricing of the trade names that PADINI carry on. Padini carries SEED. VINCCI. MikiHouse. P A ; Co. PDI. Padini Authentic and more. Their merchandises non merely fashionable yet besides impersonal which is suited for all type of consumers. Padini holding more than 330 retail mercantile establishments in Malaysia and around the universe of Padini Holding Berhad. Within these a batch of retail mercantile establishment. Padini is doing certain that they are unbreakable for their rivals. We can establish Padini mercantile establishment about every shopping Centre. Padini is among the celebrated trade name established since 1971 in Malaysia. It strategically located factors and warehouses to guarantee they holding broad market coverage in Malaysia. Beside that. Padini ever guarantee the quality of their merchandises is in higher facet for their trade name and in Ouse trade names under them. holding good quality control. They besides guarantee their merchandises is suited for all ages of consumers. like Mikihouse selling kid and pregnancy wear. VINCCI selling lady accoutrements. We will write a custom essay sample on Padini SWOT Report Essay specifically for you for only $16.38 $13.9/page Order now We will write a custom essay sample on Padini SWOT Report Essay specifically for you FOR ONLY $16.38 $13.9/page Hire Writer We will write a custom essay sample on Padini SWOT Report Essay specifically for you FOR ONLY $16.38 $13.9/page Hire Writer The failing of Padini Holding Berhad is the net income is unstable. The consumers passing the budget on garment are depending on the season. In Malaysia. the net income will be at the highest extremum where there is festival season like Chinese New Year or Hari Raya. Another failing of Padini is they have no online shopping web site. For client. they can merely purchase Padini’s merchandise in shops which is non really convenient for the client particularly everyone are busy on working presents. they may hold no free clip to shopping. It besides non all the client is populating in the metropolis and near to shopping Centre. Actually Padini can utilizing the power as market leading to spread out their concern. As a market leader in the retail concern. Padini holding a immense power and chance to spread out their concern to following degree. Padini besides can open more subdivisions to cover loss of possible online client. So far. Padini consider as a celebrated trade name in retail concern which is dressing. lady accoutrements. places. children’s and pregnancy wear and more. Within this countries of concern. possible client is more interested in window shopping instead than online shopping. We think it is a good scheme for PADINI to open more subdivisions in order to pull their clients. Those betterment besides will convey menaces to Padini Holding Berhad. It will increase competition while they open more subdivisions and spread out their concern. Competition is appear where there are legion other trade names which operate at the same location as Padini. The other trade names compete non merely for market portion and floor infinite. Even though Padini have no famous person indorsement. Padini still pull off to be the led trade name in Malaysia. So it means. the power of Padini this trade name itself is powerful plenty to cover the dainties in the concern. To beef up their trade name. Padini should see offering a famous person indorsement.

The Poetics of Popular Music Oral Presentation 15 Essays

The Poetics of Popular Music Oral Presentation 15 Essays The Poetics of Popular Music - Oral Presentation (15%) November 14th, 18th & 21st For Oral Presentations, everyone in the class will have (roughly) 5 minutes +/- to do the following: Choose a song that you think should be in the coursepack Identify its title and lyricist. Any information about the era (when it was written) might be helpful too Argue for its inclusion. This should take up the majority of your time: Why should it be included? What would its inclusion add? What theme does it add to or address? What other songs presently in the coursepack could be compared to it? Why? How would we all benefit from reading it? Why? Read parts of the lyrics if you wish but it cant be for no reason or just to kill time; doing so has to back up, or add to, what you are arguing End your presentation by making a statement or asking a question that will (hopefully) stimulate a discussion Tips & Preparation Pick a song that is short enough so you can actually do a somewhat thorough analysis of it; the longer it is, the more youll have to rush & potentially ignore important aspects of it. Practice makes perfect so dont forget to go over your presentation ahead of time for clarity, timing and delivery. You cant just make it up as you go the day of itll come across that way Youre among friends so dont tense up! Itll be fine! Your mark will be based on 2 criteria: the presentation itself (7.5%) and the 300-350 word write-up (7.5) which is due in class one week after your presentation. NO LATE SUBMISSIONS one week later and thats it. Presentation Day: analysis, insight, delivery, clarity, preparation Write-Up: A written version of the presentation. You can go into considerably more detail here if you wish. Please include the lyrics to the song (which will not be considered part of the word count). Also, please include some sense of how you thought your presentation went (I did this well; this not so much; if I had to do it again I would) Very important! Respect and true and active engagement when others are presenting is essential. Disruptive behavior, ignoring, sleeping, talking, texting while others present will negatively affect your mark no matter how well your own presentation goes. Questions? MIO me anytime or come by during office hours.

Ecology - tasks (1-2-3-4) Assignment Example | Topics and Well Written Essays - 1250 words

Ecology - tasks (1-2-3-4) - Assignment Example The local economy grows because of buying from the local farmers, and this still keeps them into the business. Buying local food means that food is not travelling long distances by trucks, ships, planes and trains, which all use energy and thus spew pollution the results to global warming and unhealthy quality of fair. Such pollutions have effects on our health that reflected in high rates of asthma besides other respiratory symptoms. In addition, consuming local foods gives the benefit the chefs call better and fresher tasting food on your table. Moreover, food miles represent that distance your food travels from to the point where it is eaten. According the World Watch Institute, the transportation of food has been a fast-growing source of greenhouse gas emissions e.g. carbon dioxide thus leading to climatic change. The result of this is that, a basic diet of imported products uses four times the energy and then produces four times the emissions of an equivalent domestic diet. II. Eat locally made foods. The local foodstuffs reduce the amount of emissions into the air due to shipping and other modes of transportation. Eating local foods maximizes on the security and freshness and finally supports the local economy. V. Buy products that are organic and local. Produce having undergone treatment of pesticides are good for the environment and ones-self. The local foodstuffs use less gas to get from the farm to your plate, and since the distance travelled is shorter, they reach your plate while still fresh. 1. The government reviews the existing information and the habitats in the area of the proposed project. There is comprehensive involvement of appropriate agencies at the inception of the project in its planning stages so that they can identify the potentially sensitive ecological resources that could be present in the vicinity of the project. 2. The relevant authorities are engaged into the conduction of pre-disturbance surveys so that they

Philosophy Questions (Machiavellis Statement ) Essay

Philosophy Questions (Machiavellis Statement ) - Essay Example It is also especially true for the government that is designed to develop and implement mechanisms that safeguard the interests of the people. The various mechanisms of governance, empirical compulsions etc are important paradigms that must be accompanied by creating awareness among people about pros and con of the issues. The knowledge therefore becomes a critical element of positive influence so that it can be amicably accepted by the society at large. People of US also agree with the view because various policies vis-a-vis drug addiction, immigration policies etc promote prohibitions which results in clandestine activities that defy the tenets of government regulations. The wider implications of prohibitions are widespread and are prone to create a desire for covert activities. The notion of hording of weapons as a deterrent measure is also not right because it Hiroshima is a prime example of misuse of weapons that has resulted in unimaginable catastrophe. The use or misuse depend s on the leadership and therefore sends a strong message of insecurity amongst the people. The recent Iraq war gives credence to these statements. It also forces the people to redefine the process of building a better civil society where inter-dependency across nation is used a tool to create equity. (words: 266)

Attribution Theory Essay Example for Free

Attribution Theory Essay Attribution Theory Definition The process by which persons interpret and pinpoint causes for their own personal and other’s behaviour is the theory of attribution. 1 In this motivational theory, a person always finds a way to explain things, he make inferences on why things or events occur. After explaining the events a person then predicts future events through his inferences. He wants to understand the reasons or causes behind behaviour of people and why events happen. It was first proposed by Fritz Heider in 1958 and further developed by Harold Kelly and Bernard Weiner. Theories Internal vs. External Attributions Every person observe and analyze things differently thus having different ways of explaining things. The attribution theory proposes that when people observe and analyze things they try to find out whether it is caused internally or externally. 2 Attribution is a three-stage process: (1) Observation of an individual behaviour, (2) Determination whether the behaviour is intentional and (3) Attribution of the observed behaviour to internal or external factors. Those that are believed that can be personally controlled are called internal attributions while those believed to be caused by outside forces are external attributions. 2Â  Example of internal attributions are ability, personality, mood, efforts, attitudes or disposition while external attributions are task, other people and luck. 4 Following is an example of an application of this theory is when an employee failed to perform in a given task, a manager tries to explain why this thing happened. He may attribute this failure to poor efforts made by his subordinate (internal attribute) or he may consider that the given task maybe be too difficult for his employee (external attribute). Consistency, Distinctiveness and Consensus On the other hand, when making a determination between internal and external causes of behaviour, three factors must be considered: (1) consistency, (2) distinctiveness and (3) consensus. 1 Consistency is how frequent a person behaves similarly when faced with the same situations. Distinctiveness is how different a person behaves when faced with different types of situations. Consensus is when a group of people behaves similarly when faced with the same situation. 2 When a person behaves similarly when faced with same situations, we can say that the consistency is high; if he acts differently every time exposed with the same situation, consistency is low. 3 An example of consistency is the following is when an employee consistently has a low performance when he always assigned in a individual task rather when he is assigned in a group task. The observed behaviour of the employee wherein there is a high consistency can be attributed to an internal factor which is attitude. When a person behaves differently during different types of situations distinctiveness is high; if he behaves similarly during different situations, distinctiveness is low. 3 An example of distinctiveness is when an honor student gets high grades (same behaviour) in all of his subjects during three consecutive grading periods (different situations). The observed behaviour of the student wherein there is a low distinctiveness can be attributed to an internal factor which is ability or effort. When the observed behaviour of a group of people is the same in a given situation, consensus is high; if this group behaves differently given a similar situation, consensus is low. 3 An example of distinctiveness is when all students are late in a first period class (consensus is high), the attribution to this behaviour maybe due to an external factor which is traffic caused by a vehicular accident. Figure 1. Summary of the key elements in attribution theory. 2 Errors and Biases in Attribution The difference on how every person thinks, perceive and judge things may lead to some biases. One may consider the greater attributes of certain occurrences to external factors rather than internal factors or the other way around, well on the actual these considerations may not be correct all the time. Fundamental Attribution Error and Self-serving Bias Fundamental attribution error is when people have the tendency to consider the influence of external factors more than considering the influence of internal or personal factors. 2 An example of this is when we attribute the promotion of an officemate to perfect timing or luck rather than to his own efforts and perseverance. Self-serving bias is overestimating the influence of internal factors or personal traits rather than assigning external or situational factors to certain occurrences. When a person attributes his personal success to his own traits or internal and his misfortunes to bad luck or external factors, he is thus committing a self-serving bias. 1 Self-fulfilling Prophecy Perceiver’s expectations for a person will cause the perceiver to treat the person perceived differently and the person perceived will respond in a way that confirms the initial expectations. 1 Example of this is when a teacher thinks that his student will do well during his exam so he spends more time with this student and coaches him well, in return the student will get a high score in the exam. Summary Attribution theory is important to management because managers’ and employees’ actions and opinion can be influenced by how they perceive or see the reasons that cause human behaviour given a certain situation. 3 Different attributions of a manager to an employee’s attitude and performance can affect the standing of the employee in the organization. If a manager attributes the employee’s poor performance to lack of effort in performing the assigned task, he may fail the employee or give the employee a low rating during performance appraisals. On the other hand, if the manager attributes the poor performance to the high level of difficulty of the job, the manager may review and revise the job specifications to lessen the difficulty level of the job. Attribution also affects employee motivation. If an employee attributes the success to external factors, then they may lose motivation since anything that may occur is beyond their control. If an employee attributes success to internal factors like perseverance, then they are expected to have a high motivation for their job.

Persepolis: Changing Western Perceptions of Muslim Women Essay

Marjane Satrapi’s graphic novel, Persepolis, makes important strides toward altering how Western audiences perceive Iranian women. Satrapi endeavors to display the intersection of the lives of some Westerners with her life as an Iranian, who spent some time in the West. Satrapi, dissatisfied with representations she saw of Iranian women in France, decided to challenge them. In her words, â€Å"From the time I came to France in 1994, I was always telling stories about life in Iran to my friends. We’d see pieces about Iran on television, but they didn’t represent my experience at all. I had to keep saying, ‘No, it’s not like that there.’ I’ve been justifying why it isn’t negative to be an Iranian for almost twenty years. How strange when it isn’t something I did or chose to be?† (Satrapi, â€Å"Why I Wrote Persepolis† 10). In acknowledging both Eastern and Western feminism, Satrapi’s novel humanizes the female Iranian perspective in a way that can easily digested by Western audiences. This novel acts as an autoethnographic text, a term coined by Mary Louise Pratt, in which Persepolis acts as â€Å"a text in which people undertake to describe themselves in ways that engage with representations others have made of them† (Pratt 35). This novel, which depicts her life so far, demonstrates a mastery of the spaces of representation. As one theorist has argued, â€Å"In discussing Persepolis in relation to the theme of women and space, we will draw upon a framework suggested by Pollock for reading the work of women artists†¦Pollock refers to three spatial registers: first, the locations represented by the work (and, in particular, the division between public and private space); second, the spatial order within the work itself (concerning, for example, angl... ... and changed Western perceptions in doing so. Works Cited Gà ¶karÄ ±ksel, Banu and Anna Secor. The Veil, Desire, and the Gaze: Turning the Inside Out. Signs, 40, 1 (Autumn 2014): 177-200. Miller, Ann. â€Å"Marjane Satrapi’s Persepolis: Eluding the Frames.† Johns Hopkins University Press: L’Espirit Createur, Vol. 51, No. 1, Spring 2011: 38-52. Nnaemeka, Obioma. â€Å"Nego†Feminism: Theorizing, Practicing, and Pruning Africa’s Way.† Signs, Vol. 29, No. 2, Winter 2004, 357-385. Online. Satrapi, Marjane. The Complete Perspolis. New York: Pantheon Books, 2004. Print Satrapi, Marjane. â€Å"Why I wrote Persepolis: a graphical novel memoir: writer Marjane Satrapi faced the challenges of life in post-revolutionary Iran. She used the graphic novel format to tell her unique story.† Marjane Satrapi. Writing!, Nov-Dec, 2003, Vol.. 26(3), p. 9(5) Cengage Learning Inc.

The Ups and Downs of the Cold War

Although no war between the superpowers of the United States and the Soviet Union was ever declared, the leaders of the West and East faced off against each other in what is known as the Cold War. Even though there were attempts to discuss being peaceful together during the 46 years of â€Å"war†, these two nations fought overt and covert battles to increase their power across the globe. From the beginning to the end, the Cold War brought much fear and tension to the entire world.The Cold War is described as â€Å"the arms race between Germany and its neighbors as ‘a kind of â€Å"cold war† where there is no shooting but bleeding’† (Williamson). For my Cold War project, I made a chutes and ladders board game to represents the ups and downs of the war. I used 14 events: when the U. S. drops the atomic bomb, the Iron curtain, the Berlin Airlift, when China falls to communism, the Domino effect, when Russia drops their atomic bomb, hysteria, the launchi ng of Sputnik, Bay of Pigs, the Cuban Missile Crisis, the Berlin Wall was built, the U. S. ets a man on the moon, the Berlin Wall falls, and the end of the Soviet Union, or the end of the Cold War. If the United States had a victory, the little person goes up the ladder, but if the Soviet Union won an event, the little person goes down the slide. There are eight slides, and six ladders, meaning that the Soviet Union overall had more wins, but the United States stole the victory in the end. The United States had a couple wins in the beginning, but the Soviet Union took control during the middle of the war, which means there are many slides in the middle of my project.But in the end, the United States takes it to the top, with a sparkly ladder to prove it. Immediately in the 50s and 60s, there were many short term effects of the Cold War. Communism was looked at as the â€Å"evil† government and the United States feared that it would spread from country to country. Because of t he increasing fear, many organizations and acts were started to put on end to the spread. One group, the House of Un-American Activities Committee (HUAC), began to investigate allegiances of communism in Hollywood. The committee believed that Communists were sneaking propaganda into films† (Danzer) and they accused people of working with communists, causing huge amounts of hysteria. In 1950, Senator Joseph McCarthy claimed unknown communists in the state department, and eventually was calling everyone a communist. Not only were people afraid of being called a communist, but they also had to live in fear of having to eventually call someone they knew a communist.Panic was everywhere-having to always worry if a Russian atomic bomb was going to explode, not knowing if anyone was going to be called a communist, and always trying to compete with the Russians to try to be ahead in the race of war. Not only were there short term effects of the Cold War, but there were also long term effects as well. For example, the Berlin Wall, â€Å"a concrete wall topped with barbed wire that severed Berlin in two† (Danzer), stood as an ugly symbol of Communist oppression. Once it was torn down in 1989, it essentially ended all of the tensions that the hideous wall created.As well as the Berlin Wall, there were many problems with nuclear weapons. The Unites States and the Soviet Union were constantly racing to see who would use the atomic bomb first, and in 1945, the U. S. dropped the first bomb, starting the tensions of the Cold War that would last 46 years. The space race continued throughout the Cold War as the atomic bomb race did. In 1957, Russia sent Sputnik in space, making them the leader in the space race. However, in 1969, the United Stated sent the first man to the moon, which pushed them to be the leader.In the end, the super powers were both spending more than they could afford on the â€Å"bloodless war† (Williamson), which caused the Soviet Union to crumple, as the result to the end of the Cold War. Tensions, fear, and struggles filled the Cold War for 46 years. Even though there was no hand on hand contact, the events that shaped the war will never be forgotten. The Cold War had many ups and downs, but because of the perseverance and unity of the United States, they were about to steal the win of the long battle.

Gamuda Berhad And Wct Berhad Example For Free - Free Essay Example

Sample details Pages: 9 Words: 2825 Downloads: 1 Date added: 2017/06/26 Category Finance Essay Type Argumentative essay Did you like this example? Accounting Ratios are the ratios show the relationship between accounting data in a balance sheet, profit and loss account in a particular organization. The accounting ratios are used to measure the performance in an organization. There are five different categories for calculating five different aspects of the business performance, it is profitability of company, liquidity of company, asset management of company, debts management and capital gearing of company, and market value of investment to ordinary shareholders/common stockholders. Don’t waste time! Our writers will create an original "Gamuda Berhad And Wct Berhad Example For Free" essay for you Create order First, profitability of company is measuring gross profit markup, gross profit margin, operating profit margin on sales, profit margin on sales, basic earning power (BEP), return on total assets (ROA), and return on common equity (ROE). In calculating liquidity of company, there are using the current ratio and liquid ratio. Asset management of company are using inventory turnover, fixed assets turnover, total assets turnover, debtor ratio, debtor payment period, days sales outstanding (DSO). In debts management and capital gearing of company, debts ratio, capital gearing ratio, debts equity ratio, times interest earned, creditor ratio, and creditor payment period are apply. In market value of investment to ordinary shareholders / common stockholders measured about earning per share, price or earnings ratio, dividend cover, earnings yield, dividend yield, price or cash flow ratio, and also market price or book value ratio. There are three ways to compare the accounting ratio for the business performance measurement. First, inter-temporal comparison between two periods means that compare the accounting ratio with the past year financial statement. Second, inter-firms comparison between two companies is measure the accounting ratio between the two same industry companies. Third, comparison with industry averages. I choose the inter-firms comparison to measure the business performance in Gamuda Berhad and WCT Berhad. Gamuda Berhad is a leader in turnkey and B.O.T. civil engineering infrastructure and township development, with projects and investments in South East and Far East Asia, Indochina, South Asia and the Middle East. In infrastructure concession, they expertise covers highways and expressways, bridges, dams and hydropower, tunnels, hydraulic engineering and water treatment, railways and mass-rapid transit systems, marine works and ports, and building, which are delivered through general contracting, design and build, turnkey, as well as B uild-Operate-Transfer methods. WCT Berhad is a company that hands-on, experienced and capable workforce in engineering construction and property development and management. WCT Berhad also an ownership of one of the largest fleet of modern construction machineries in the Middle East and Malaysia. From the income statements and balance sheets in the financial statement can measure the accounting ratio for the both companies. The business performance can exactly measure from there. I found the information of the both companies from the link below. https://www.wct.com.my/CMS/Home/1/0.aspx, https://www.gamuda.com.my/. Financial Statement Analysis Below is an accounting ratio for two companies. 2.1 Profitability Ratio Ratio with Formula Calculation for Gamuda Berhad Calculation for WCT Berhad Gross Profit Markup Gross Profit Margin Operating Profit Margin on Sales Profit Margin on Sales Basic Earning Power Return on Total Assets Return on Common Equity 2.2 Liquidity Ratio Ratio with Formula Calculation for Gamuda Berhad Calculation for WCT Berhad Current Ratio Acid-test Ratio 2.3 Asset Management Ratio Ratio with Formula Calculation for Gamuda Berhad Calculation for WCT berhad Inventory Turnover Total Assets Turnover Debtor Ratio Day Sales Outstanding 2.4 Debts Management Ratio Ratio with Formula Calculation for Gamuda Berhad Calculation for WCT Berhad Debts Ratio Debts Equity Ratio Times Interest Earned or Interest Cover 2.5 Market Value of Investment to Stockholders Ratio Ratio with Formula Calculation for Gamuda Berhad Calculation for WCT Berhad Earnings Per Share Price Earnings Ratio Earnings Yield Market Price Per Book Value Ratio Comparison between Gamuda Berhad and WCT Berhad Below is the ratios comparison between two companies for business performance measurement. 3.1 Profitability Gross profit markup and gross profit margin: Gamuda having the higher gross profit markup and gross profit margin compare to WCT. That means Gamuda indicate the higher gross profit earned by the company from the sales made. This showing Gamuda Berhad is effective and efficient in controlling the purchase cost by making the purchase at a lower cost from the supplier. Besides, Gamuda also effective in controlling the production cost by using the material and labour to reduce the production cost. Operating profit margin on sales: In operating profit margin on sales, Gamuda applies the higher margin than WCT. This mean that Gamuda is the company best to look at the change in operating margin over to WCT. The higher margin is mean it is earning more per dollar of sales. Profit margin on sales: Gamuda shows the higher profit margin compare to WCT. Gamuda earned high profit from the sales and the firm is effective control on the expenditure and interest cost. Compare to WCT, the company indicates high operating expenses and high interest cost than Gamuda. WCT was earned lesser profit than Gamuda. Basic earning power (BEP)/ Return on common equity (ROE): WCT shows the higher profit in the BEP and ROE. This mean WCT company show the high profit in generated from the total assets used and the capital employed due to the effectiveness and efficiency of using the assets and capital in business activities. Return on total assets (ROA): In return on total assets different with the BEP and ROE. Gamuda shows the higher profit in ROA rather than WCT. Gamuda can effectiveness using the assets in the business activities to increase the production volume and sale volume at the lower cost to increase the profit earning than WCT. 3.2 Liquidity Current ratio and Acid test ratio: Both company having the higher ratio in the current ratio and acid test ratio. This means that both companies are having the large amount of current assets that can be used to finance their current liabilities. Their company financial is stable and able to finance its short term liabilities. However, Gamuda having the higher ratio than WCT which is mean that financial in Gamuda is more stable than WCT. 3.3 Asset Management Inventory turnover: In the measurement of inventory turnover that shows the WCT having the higher inventory turnover rates compare to Gamuda. This means that WCT having the fastest stock taken out for resale. The stock of WCT will not accumulate and the money will not tied up with the stocks. Total asset turnover: WCT shows the higher total asset turnover compare to Gamuda. WCT is more effectiveness and efficiency of using the assets in the business activities to increase the production volume and sales volume. Debtor ratio and Days sales outstanding (DSO): Gamuda having the higher debtor ratio and days sales outstanding compare to WCT. Gamuda has given the longer credit time to the debtor who owing money. The longer time to collect money from the debtors will cause financial in Gamuda facing the short term financial problems. 3.4 Debts Management and Capital Gearing Debts ratio: WCT having the higher debts ratio compare to Gamuda. WCT will having the heavy debts burden and the company will bearing the high interest cost. They will face the unstable financial pay back the debts and it could cause to sell the assets to pay back the debts. Times interest earned/Interest cover: WCT shows the high debts equity ratio compare to Gamuda. High debts equity ratio in WCT means that it is always accompanied with low time interest earned and it also bearing the high interest charges. However, Gamuda having the low debts equity ratio and this is means the company having a high time interest earned compare to WCT. The company is bearing the low interest charges. 3.5 Market Value of Investment to Ordinary Shareholders Earning per share: Earning per share is to measure the business growth of the company. WCT having the higher earnings per shares compare to Gamuda. This is represents WCT having the high rate of growth compare to Gamuda. This can attracts more common stockholders to invest in WCT. Price earnings ratio: Gamuda having the highest prices earning ratio compare to WCT. So, stockholders in Gamuda need to take more times and the longer period to recover backs their share investment. Therefore, WCT will more attractive to invest because the company will recover back the share investment faster than Gamuda. Earnings yield: WCT shows the highest percentage in earning yield compare to Gamuda. The WCT Berhad is having the high net income return and this is more attractive to the common stockholders. Market price per book value: Gamuda is indicating the highest share market price compare to WCT. Gamuda will not attractive to common stockholders because the share market price rises high above the real asset value. Conclusion By measurement in accounting ratio of financial statement, two of the companies are showing the different business performance. Gamuda Berhad and WCT Berhad are the two companies which are in the same industry. In profitability of company, Gamuda is earning the higher profit compare to the WCT. In liquidity of company, Gamuda also shows the stable financial compare to WCT. In asset management of company, WCT operates in the fast stock turnover than Gamuda. Other than that, WCT also can collect the money from the debtor faster than Gamuda. This will make WCT more liquid in their financial. In market value of investment to ordinary shareholders, WCT will attracts more shareholders to invest in their company because they can get the high net income return and having the shortest time to get the investment money compare to Gamuda. There are many problems to get the information because the base of the information is always out of date. The historical cost information may not be the m ost appropriate information because if the inflation effect happens, this may not be applies in. Beside that, the information in published accounts is summarized information, we cannot get the detail information and the analysis of accounting information not the root of the problems. On the other hand, there are many problems in the comparison inter-firm also. Different companies are having the different financial and business risk. The companies will also using the different accounting policies. There will having the impacts of the size of the business and its comparators on risk, and the impacts of different environments on results. 5.0 Financial Markets Financial markets is a market who is having surplus fund or capital that lending out to the organization or people who are lacking capital or fund in their business. There are many different types of financial markets. Every different financial market serves different types of customers and operating in different country. Financial markets are deal with stocks or shares, notes, mortgages, bonds and so on. Financial market also operates as the spot market or future market. Spot market deals in being bought for on the spot delivery within a few days, however, future market deals in being bought for on the future delivery at some future date such like a few months or a year in the future. There are various types markets in the financial markets. Money markets This is the short term financial market. Money market deals with the high liquid debt securities in which of the funds are borrowed for a short period of less than one year. Capital markets This is the long term finan cial market. Capital market is a financial market that deals with the stocks or shares, intermediate in which funds are loaned for a long period of one year or more than one year. Mortgage markets Mortgage market is a financial market that deals with loans on residential, commercial, industrial real estate and farmland. Consumer Credit Markets Consumer credit market is dealing with loans on autos and appliances, like education loan, vacations and so on. Primary markets This is the financial market in which corporations raise fund by issuing new securities or new shares. Secondary markets Secondary market is a financial market which is existing and already outstanding securities or other financial assets are traded among investors after they have been issued by the corporations. Initial public offering (IPO) markets This is for the new establisher who is first time offering securities or shares to the public. Private market Private market means tha t a financial transaction is worked out privately and directly between two parties without going to the public. 6.0 Transfer of Capital between Savers and Borrowers There are three types of ways to transfer the capital or funds between the savers and borrowers. 6.1 Direct transfer from savers to borrowers This method applies to a company issues and sells the stocks or bonds directly to the savers without go through any financial institution. So, the borrower will be the corporation who direct delivers the securities to the savers. The savers who are in turn the money to corporation. This is show the capital or fund directly transferred from savers to corporation. Indirect transfer from savers to borrowers through investment banking house This method indicates that the business corporation as a borrowers. The business corporations will issues the corporationà ¢ÃƒÆ' ¢Ãƒ ¢Ã¢â€š ¬Ã… ¡Ãƒâ€šÃ‚ ¬ÃƒÆ' ¢Ãƒ ¢Ã¢â€š ¬Ã… ¾Ãƒâ€šÃ‚ ¢s securities or shares to the investment banking house. The investment banking house will resells the corporationà ¢ÃƒÆ' ¢Ãƒ ¢Ã¢â€š ¬Ã… ¡Ãƒâ€šÃ‚ ¬ÃƒÆ' ¢Ãƒ ¢Ã¢â€š ¬Ã… ¾Ãƒâ€šÃ‚ ¢s shares to the savers or the money lender. The investment banking house will be the middle man and receive the fund from the money lender and give the money to the borrowers or the business corporation. 6.3 Indirect transfer from savers to borrowers through a financial intermediary This method takes place when a financial intermediary as a bank or a mutual fund obtains fund from savers by issuing its own securities or certificate of deposit to savers. After that, the financial intermediary uses the fund that collected from the savers to purchase and hold the securities of other corporations as an investment. The capital or fund that transfer from the savers to the financial intermediary when savers pay money to financial intermediary in exchanging for receiving certificate of deposit or securities issued by the financial intermediary. The financial intermediary will further transfer the fund to other corporation by paying money out of the fund to purchase securities of other corporation. Most of the savers will prefer to hold the securities and the deposit of the financial intermediary because they are more safe and liquid compare to the mortgages and loans. So, financial intermediary is efficiency of money and capital markets. 7.0 Investment Banking House Investment banking house is an organization that underwriting and distributes the new issue of corporationà ¢ÃƒÆ' ¢Ãƒ ¢Ã¢â€š ¬Ã… ¡Ãƒâ€šÃ‚ ¬ÃƒÆ' ¢Ãƒ ¢Ã¢â€š ¬Ã… ¾Ãƒâ€šÃ‚ ¢s securities to assist corporation obtain fund for financing. 7.1 Financial Intermediary Financial intermediary is a financial firm that are transfer the capital or funds from the savers to the borrowers. Normally, they will analyze the potential of the borrowers when they receive the application from the borrowers. They are helping the individual savers to diversify their fund investment, processing and collecting loans and pooling risk. There are several types of the financial intermediaries. Commercial banks Commercial bank is a financial institution that provides the service that accepting deposits and giving the business loans to the corporation. Commercial bank is different compare to the investment bank. Investment bank is assist the business corporation to raise the capital or fund from the savers but the commercial bank is providing loan or lent out the money to the borrowers. Saving and loan associations A savings and loan association is a financial institution that accepting saving deposits and making mortgage loans to the borrowers. Saving and l oan association is similar to bank. They have served individual savers and residential and commercial mortgage borrowers where they collect funds from many small money savers and they lend out to the house buyers and the other types of borrowers. They create the liquidity in the capital market. Mutual savings fund Mutual savings fund is almost similar with the savings and loan associations. They also accept savings from the individuals and then lend out the money for the long term basis to the home loaner and the consumers. Credit unions Credit union normally will apply in a smaller operation. That is designed for the special group or membership of the people in a particular company or association. Credit unions are make loans for the individuals like auto purchase, house improvement and house mortgage. Pension funds Pension fund is a retirement plans that provide by the corporation or government agencies. The pension fund is been invested for the long term growth, provides the pension for the employees when they reach the age of the retirement or the end of the working years. Life insurance companies Life insurances company is sell insurance products to their existing customers. They collect the payment of insurance in the annual premiums and then they invest these funds in the stocks, shares, bonds, real estate and mortgage. But they also provide the insurance cover to the consumer when the payment periods. Mutual funds Mutual fund is a financial intermediary that collects funds from the savers and then uses it to buy the stock, long term bonds and short term debt instruments issued by businesses or government units.