Exposed Sin vs. Hidden Sin in the Scarlet Letter Essay

Exposed Sin vs. Hidden Sin Since the beginning of time we have shown our imperfections as human beings. As detailed by the Bible in the Book of Genesis, Adam and Eve ate the fruit from the tree of knowledge committing the original sin. This infraction against God resulted in Adam and EveÂ’s expulsion from the Garden of Eden, and set the foundation for the judgment of mankind. The word sin derives from Old English synn and is defined as something shameful, deplorable, or utterly wrong. In this essay I will be comparing exposed sin to hidden sin as related to The Scarlet Letter, and the effects it has on people. In Nathanial HawthorneÂ’s The Scarlet Letter, Hester Prynne represents the exposed sin†¦show more content†¦At first the scarlet letter is a burden for Hester but it eventually leads to her redemption and independence. After so many years Hester is able to wear the scarlet letter proudly and dies with honor instead of disgrace. Contrarily, Reverend Arthur Dimmesdale chooses to con ceals his sin which leads to the deterioration of his physical and spiritual health, and ultimately leads to his death. Dimmesdale is given several opportunities to confess his sin but refrains from doing so, looking for penitence - fasting and whipping himself - but finds no solace. After years of bearing such guilt, Dimmesdale tells the townspeople that he is HesterÂ’s secret lover and PearlÂ’s father before his death. Confessing his sin allows Dimmesdale to find peace before death however, the overwhelming guilt was too much to bear. One wonders, would admitting to adultery in the beginning have prevented DimmesdaleÂ’s demise? Roger Chillingworth arrives in Salem just in time to see Hester Prynne, his wife, with a baby on the town scaffold. He is, at first, a victim of adultery, but puts himself unnecessarily in the situation of being the villain of the story. The first time we see Chillingworth he is described as having “a remarkable intelligence in his feat ures(56)” but “slightly deformed, with the left shoulder a trifle higher than the right(55)”. As the need for revenge takes over Chillingworth we see a transformation in his demeanor, by the end ofShow MoreRelatedAnalysis Of Nathaniel Hawthorne s The Scarlet Letter 1128 Words   |  5 Pagesshort stories and 4 unfinished manuscripts. The Scarlet Letter is a romantic work of fiction in a historical setting, which is considered to be his greatest work. The story was set in a Puritan settlement in the mid-1640s in Boston. A young beautiful woman named Hester Bryne , who is required to wear a letter ‘’A’’ in front of her breast , which is a sympol of adultery and shame , and she has to stand in front of the crowd on the scafford to be exposed to the crowd under the scaffold. While Hester

Over the last 30 years, videos games have become very...

Over the last 30 years, videos games have become very desirable for people of all ages, genders, and race. With the rapid growth of technology these games have become very life like and some seem as if your actually there in person. The rapid growth has made the video industry into a multi-billon dollar industry and this has created much controversy among the people because the games are becoming very realistic, but also more violent. Since the creation of violent video games there have been constant disputes to whether these games will increase violence in the player. Nevertheless, there have been researches done to try and understand the correlation between video games and violence. These researches haven’t only showed that the violent†¦show more content†¦Many acts of violent crimes have connected to young players and violent videos games. These young players aren’t supposed to be playing this game anyways. There is a reason these games are labeled with the game rating. An 8-year-old boy intentionally killed a 90-year-old woman when he shot her in the head inside a Louisiana mobile home after playing a violent video game, police said. But the child won’t be charged with a crime. The boy fatally shot his elderly caregiver, Marie Smothers, after playing â€Å"Grand Theft Auto IV† — a video game critics often blame for promoting violence — inside the mobile home at a Slaughter, La., trailer park Thursday evening, police said. (Kemp) I wonder why an 8-year kid is playing a game that has a label on it that clearly has a label print on to the cover saying it is for people 18 years old and up. Here’s a 8 year old boy who is barely capable of thinking on his own and he’s playing a game that he’s 10 years to young to be playing. My really question is how do you put that on the creators of the game? The game creators clearly put an age restrictions on the game for a reason because the content is very influential for someone who isn’t 18 or older. People over 18-year-old person are able to think for them selves as where an 8-year is not. When your 18 you have almost a complete understand of what’s right and what’s wrong. The difference from fantasy and reality areShow MoreRelatedWhy Women Should Not Be Sexualized And Objectified The Way They Are Video Games3095 Words   |  13 PagesDavid Dale 1 Why women should not be sexualized and objectified the way they are in video games today: Most of us would already know that women’s representation in the media is highly sexualized and that women are regularly portrayed in a sexual manner and are objectified in all forms of media whether it be in magazines, online, television, movies, music videos, and of course video games (Wu, 2014). Many people derive gratification from what they read and hear every day without thinking about theRead MoreWhy Do People Buy Counterfeit Products?3730 Words   |  15 PagesWhy   do   people   buy   counterfeit   products?    1       Running head: Why do people buy counterfeit products? Why people by counterfeit products? Monica Rodriguez American Intercontinental University Dr. Yamil Guevara Why   do   people   buy   counterfeit   products?    2       ABSTRACT The elaboration and commercialization of counterfeit products is an issue that has been growing prominently within the last 20 years. There is no place in the worldRead MoreDevelopmental Psychology Notes7715 Words   |  31 PagesDevelopment Sex – sexual anatomy and sexual behaviour Gender – perception of maleness or femaleness related to membership in a given society Week 8 Growing brain The brain grows at a faster rate than any other part of the body. 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Socialization begins at a. birth. b. age 1. c. age 2. d. age 5. e. when a child begins to speak. Benjamin describes himself as a single male, a college student, and a son. Benjamin’s self description illustrates which of the key functions of socialization? a. Socialization establishes our social identityRead MoreDissertation Proposal on Managing Diversity of Workforce18916 Words   |  76 Pagesorganizations are experiencing a necessity to make changes as well. The workforce will become increasingly more diverse in the future and this greatly affects the organization in its capacity of hiring and retaining employees. 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During his detention in various penitentiaries, he was mentally probed and prodded by psychologist and psychoanalysts hoping to discover the root of his violent actions and sexual frustrations. Many theories arose in attempts to explain the motivational

Mortgage Free Essays

Though experts recognize that the mortgage relief bill is not thorough, recognize that it remains the best latest attempt to address the current housing crisis facing the nation. A crisis that has continued to dominate the United States presidential debates as well as make it increasingly difficult for the homeowners to repay their loans. To understand the depth of the crisis and the latest efforts to correct the situation, it is important to look at what mortgagee is and how it operates. We will write a custom essay sample on Mortgage or any similar topic only for you Order Now Mortgage is simply the use of ones property to be security to a house loan. A mortgage transfers the legal rights of ownership to the pledged property to the lender in case the payments are not made as per the agreed terms. Such a loan is made in the understanding that the security shall revert back to the owner once the terms of have been fulfilled. To most people, mortgage is associated with real estates. It is a contract that involves a number of legal participants among them landowners who is referred to as the mortgagee and the borrower who is the mortgagor. Another term that comes into play in the mention of mortgage is foreclosure. Foreclosure simply refers to a situation where a lender terminates the contract after the failure of the mortgagor to stand by the agreement terms. This is usually in the direction of a court order. In foreclosure, a bank or any other financial institution that extends credit facilities repossesses a property if the homeowner is unable to comply with mortgage requirements (Carmen Rogoff 12). Currently there exists a subprime mortgage crisis in the United States. This is a crisis that can be evidenced by a liquidity problem existing in banks after a high default rate in mortgages leading to foreclosures. The current mortgage crisis is seen to have largely been caused by subprime lending which simply is the act of advancing loans to individuals whose creditworthiness is uncertain or wanting due to a low income. It is this subprime lending that contributed to the bulk of the total foreclosures in 2007, over 43%,despite the fact subprime lending were only 6.8% of all lending in that year (Stokes Mechem). The current economic recession in the united state has tarnished Bush’s presidency with most tracing a link to the hefty spending in the war. Bush insists that the slump is a s result of the mortgage crisis. That aside, he has received immense criticism for how he has handled the crisis and for not coming up with any concrete plans to ease the situation. He is also accused of standing by the big corporations instead of helping the low income group deeply embroiled in the crisis. This is a result of his stand in opposing the mortgage relief bill, a bill that has recorded considerable gains in the house. Though the bill has its flaws, it is seen as a reprieve to millions of homeowners who continually face the risk of foreclosure. The mortgage relief bill is aimed at providing tax reprieve to homebuilders. The local governments will be funded to rehabilitate deserted homes. Those that oppose the bill claim it is wrong spirited and will set a bad precedence of forcing â€Å"one neighbor to pay for the mistakes of another† (Anderson) Bush is opposed to the bill referring to it as a â€Å"bail out†. Some Republicans see it as forcing the 95% of homeowners that did it right to pay for the 5% that got it wrong. It is important to note though that the bill will pave way for a possible road to recovery and will go along way in preventing a further economic slump. Economists warn that if the situation is not arrested in time, it would degenerate to the worst debacle for the housing and the banking industries. It is apparent that the nation is reeling from the effect of a mortgage crisis that has been caused by increase in foreclosures as a result of subprime lending. Though the government is yet to come up with a comprehensive plan to arrest the situation, the mortgage relief act is seen as a step towards the right direction and might go a long way in easing the pressure off the homeowners and builders through a tax break. Works Cited Aleis Stokes   John Mechem. Delinquencies and Foreclosures Increase in Latest MBA National Delinquency Survey. Mortgage Bankers Association, 12/6/2007. Retrieved on 13th May 2008 from http://www.mbaa.org/NewsandMedia/PressCenter/58758.htm Scott Anderson. Bush administration opposes Democrats’ mortgage relief bill. CNN.com Edition. Sat April 26, 2008. Retrieved on 13th May 2008 from http://www.cnn.com/2008/POLITICS/04/26/house.mortgage/ Carmen M. Reinhart and Kenneth S. Rogoff . Is the 2007 U.S. Sub-Prime Financial Crisis So Different? An International Historical Comparison.. Analysis of Harvard economists. February 5, 2008, 12 ; ; How to cite Mortgage, Essay examples Mortgage Free Essays The American consumer has now gotten himself into trouble by simply living beyond his means. This is nothing new in America as only 2% of those who are set to retire at age 65, have enough in their savings and investments to have the same standard of living that they once knew when they were younger. (Saft 2007 pg. We will write a custom essay sample on Mortgage or any similar topic only for you Order Now C3) Credit card debt is skyrocketing and people can see no light at the end of the tunnel except for filing bankruptcy. What has been in the news recently and has shown how careless the American consumer can be is the number of foreclosures from supreme mortgages have gone through the roof and is to the degree that the fall out will likely result, and has already resulted in, effecting other sectors in the United States economy. There has been reported some relief as the Federal Reserve, on September 18th, announced that interest rates would be cut. This is only a short term resolution and the  ¼ % that it will likely be cut, will not bring enough relief to the millions of Americans who bought a more expensive home than they could afford. (Stempel, 2007) The predatory practices of lenders across the country have added to this as well. Sub prime mortgages deal with mortgages that were given to people with less than perfect credit scores who do not have to show to the same extent, financial proof that they can afford to pay the loan that they are applying for in order to buy their dream house. The fall out has occurred and will continue to occur as millions of people are in danger of losing their homes. The existence of the sub prime mortgage is important to note as well. Even at a conservative interest rate, a 30 year fixed mortgage, a lender will make on average, close to $200,000 on a $100,000 loan. (Rudd, 2007) Those that have the money to lend, will make a great deal of money in their return. The demand is high for homes as it is an important aspect of the American dream to own a home. However, many Americans suffer from poor credit scores as a result of past bills which had not been paid or past loans which had not been honored. As a result, this hurts the individual’s credit score; the most important piece of information that will help a lender to decide if giving a loan to the individual will constitute a risk to the lender. The lender is in the business of lending money and does not want to be in the necessary position to repossess one’s home. An individual with a low credit score and who was not able to prove that they had the necessary income to support their monthly mortgage payment, was denied the loan. This was for the protection of the lender as well as the borrorrer. These were the self imposed rules with the lending industry followed. Now, things have changed. There is so much money to be made in the lending market when good loans are made, that lenders are now playing on the lust that Americans have to own a home. This is not a lust to just own a home, but rather to own the largest and grandest home possible. The individual will not correctly study his budget to see the amount of a mortgage which he would afford and thinks with his heart and not his wallet. Also, the existence adjustable rate mortgages of ARMS; mortgages which are advantageous to the individual when the interest rate is low but which will rise, sometimes exponentially when the Federal Reserve raises the interest rate in order to stabilize the economy. In recent months, the interest rate has increased and therefore, mortgages which commanded an $800 a month payment, can now easily exceed $1100, depending on the initial interest rate which the individual was able to secure. (Seiders 2007 pg. 3) As a result, those individuals who have figured too closely, their budget and never really were in the position to buy a $200,000 home, default on their loan. Two missed payments and the foreclosure process begins. Full payment of the missed months, along with interest and penalty rates is what is needed for the individual to become up to date on his loan. For millions of people this decade, that has never come to fruition and not only are their homes lost, their credit is ruined for the next 7-10 years to such an extent that even the most predatory lender would shy away from giving that individual a loan in the immediate future. Needless to say, this effects those individuals who have no lost their homes, to a dizzying degree. However, there are other effects to the different sectors of the economy and the employees of these branches of the American work force who themselves, are not having a problem paying their mortgage and who though that they would never personally be effected from the sub prime mortgage if they were only smart enough to stay away from such predatory lenders. Such is not the case as so much of our economy is interchangeable and depends upon the success of the other. The fallout from the sub prime mortgage details such interdependence. One way in which the fallout from the sub prime market has affected the economy is in the stock market. There have been a number of very large companies which had either been forced to lay off thousands of workers, or have simply filed for bankruptcy. On June 20, 2007, Merrill Lynch seized more than $800 million in assets from two famous hedge funds that were previously involved in sub prime loans. (Saft, 2007 pg 4)   Now, these funds are worthless on paper and their assets have now been depleted. American Home Mortgage Investment Corporation announced that it had suffered a billion dollar loss and that a proposed $4.9 billion deal with Radian Group, would no longer come to fruition. (* Myers, 2007) Also, just last month, Countrywide, the largest American lender, accounted that it was being forced to cut 12,000 jobs from its payroll as a result of the sub prime mortgage fall out. It was reported that a staggering 19% of the total number of loans fell under the sub prime category. (Myers, 2007) It should therefore be no surprise to Countrywide, as well as those who follow the mortgage industry, when they hear of such steep job cuts. This was one of the hardest blows to the American economy and effects the economy in three main areas. The first effect is the fact that 12,000 people lost their jobs. Some individuals, for example, John Bryne, had been employed at Countrywide for over twenty years and now has lost a job and many companies will see him as too old to be hired. â€Å"I do not know what I am going to do. I was planning to retire with Countrywide. I will try to start over and on my own. However, I do not know if I will be able to find people who I can trust to repay their loan. It is a tough situation.† (Saft, 2007 pg.4) 12,000 people, along with the others who worked for lenders who are now out of business, have suffered the same fate. This is the result of individuals who have taken out a loan that they never should have had in the first place. When a mortgage is foreclosed upon, it is not only the individual who losses. The lender looses tens of thousands of dollars, sometimes hundreds of thousands of dollars, on the life of the loan. Also, lenders who have what the Federal Reserve regards as too many defaulted loans, and that lender can be shut down and find themselves out of business. Another negative aspect to the loss of 12,000 jobs from Countrywide, as well as the other lost jobs in the lending institution is the effect that it has on the stock market. The stock market and the study of it is a very complex thing. Many times, a business can meet its quarter estimates and enjoy a steady profit; its P/E ratio is superior to others in that field and yet their stock price continues to struggle and millions of dollars in investor’s money, is lost. All of the above mentioned factors are important factors in deciding if this is a stock which one should invest in. However, the Dow, NASDAQ and S P are indexes which, to some degree, is based upon speculation and perception. On July 19, 2007 the Dow hit a record high of 14,000. By August 15th, the Dow had fallen below 13,000 and as a result, billions of dollars was lost. (wwwcbsmarketwatch.com) Such a decrease has happened before but such is rare. â€Å"The current losses in the stock market cannot be considered a self imposed correction. It is a direct result from the mortgage crisis.† (Rudd, 2007) The news of the sub prime mortgage meltdown has resulted in the average investor taking out millions of dollars of his own money. When there is an extended period of high levels of selling, this will lead to a bear market in which an extended bear market will often times lead to a recession. The current American economy is not there yet and the news that the Federal Reserve will cut interest rates will stem the tide of such things coming to reality. However, such negative news only hurts the economy as a whole and the major indexes can expect to take a major hit in the short as well as long term. This results in a depletion of billions of dollars of individuals’ hard earned money. A third way in which the sub prime mortgage fall out effects people who themselves are not in danger of defaulting on their loan, is the ways in which foreclosures affect the property values of the homes within a neighborhood. For many individuals, their home will be the most expensive investment that they will ever make in their lifetime. When home owners feel that their property values are decreasing, often times, this will increase the rapidity in which they will seek to move. A decrease of 10% or even 5%   in the individual’s property value is often times, enough of a stimuli to incite the individual to move. Those who cannot move or who cannot find a buyer for their homes, are stuck with the loss. How does this happen? There are many factors which appraisers take into effect when deciding a home’s value. One of the important factors is the % of vacant ( foreclosed)   homes in the neighborhood. Prospective new home buyers will be steered away from such neighborhoods as it is a sign of an economically depressed neighborhood and the possibility of their own home’s value increasing, is minimal. An average American will move at least 3 times in their life. That means, that there is a 66% chance that their home will be seen and used as an investment as well as a home in which to live. A home bought at $100,000 with even the remotest possibility of one day being valued at less than the purchase price, is often times enough of a reason not to buy that home and to generally steer clear of that neighborhood entirely or to rent for a longer period of time. This last aspect is detrimental to the city as the loss of property taxes hits the budget hard and impedes the services which the city is able to provide. The effect that the sub prime mortgage fall out has is mental as well as monetary. Many potential home buyers, those with superior credit, are simply postponing any purchases and is prompted to simply wait out the storm. â€Å"Showings are down, contracts written are down and sellers are just as backed away as buyers are. This from Lou Barnes, a partner in mortgage banking   with Boulder West Financial in Bouler, Colorado. Barnes continues to comment: â€Å"I think the psychological damage is worse than the financial damage which is already bad enough. Even for buyers who have plenty of cash can easily afford higher mortgage rates, the sudden change in the financing environment reduces the desire to buy a house unless you really have to.† (Donn 2007 pg. 3) This idea goes back to the concept that a home purchase is seen as an investment as much as a domicile. The self imposed prevention of potential buyers who have superior credit scores to buy homes, hurts the local economy and the businesses in the area. The negative effects of the housing fall out are intertwined, one depending upon the other. Another way the sub prime mortgage affects the economy is in the fallout. Sub prime mortgages, in a utopian world, would give individuals a second change at improving their credit scores and disallowing their credit mistakes of the past, from preventing them from one day buying a house. Many times, credit problems occur when an individual is in college. Generally, the maturity needed to fully appreciate the concepts of long term results to their immediate actions are void in their mindset. Money is tight and credit cards are readily available. As a result, many credit cards are charged to their limit until eventually the bill goes to collections and is reported to the credit bureau. Hopefully, that individual, upon graduating from college and being removed from the situation for a couple of years, matures to the degree that such occurrences would never again happen. However, without the existence of a sub prime mortgage, that individual would not be allowed to buy a home for years; until his or her credit score was improved to the new guidelines of a 660 FICO score from a previous 620 guideline. (Saft, 2007 pg. 2) Those who bought their home at the beginning of the year and who had less than perfect credit with incomes on the brink of the cut off point for their mortgage, could not have bought a home any later. The same young couple who goes to buy a house six months from now when the new guidelines are put in place in order to help avoid another fall out, will be forced to rent for another year or two before they can receive clearance for a loan. One of the most lasting as well as immediate effects upon the mortgage industry and those who depend upon it, are the lending practices. Economist Mark Doms states: â€Å"The sharp rise in delinquency rates on sub prime residential mortgages has raised concerns about credit underwriting practices and economic distress among borrowers and has drawn the attention of policy makers at the Fed and elsewhere.† (Doms 2007 pg. 3) This observation can equate to an effect upon possibly millions of Americans who were planning to buy a home in the next calendar year. This, as Mark Doms states, will have lasting effects. â€Å"Two of the potential channels through which house price appreciation may affect the sub prime delinquency rate that we suggest, are the incentive to protect home equity associated with recent appreciation in house prices on the demand for housing.† (Donn, 2007 pg. 3) Such observations will most likely come to fruition in the immediate future as it will be observed that the complete fall out from the sub prime mortgage crisis is yet to be fully realized. John Moutlon, former CEO of American   Mortgage Group stated the situation the best when he said: â€Å"It feels like this is just the tip of the iceberg and no one knows how it will shake out. We are trying to anticipate guideline changes.† (Myers, 2007) These are the real effects of the sub prime mortgage fallout; in the ways that it affects the average American man and woman. As an example, the story of two families highlights the real results of the mortgage meltdown. The real story of the sub prime mortgage is the effect that it has on the economy when these loans, on a wide scale, default and millions of individuals are affected. The Laird Family in Central Illinois was a new couple just starting out. Both parents worked but had modest jobs as the job market was not very strong in their area. The father, John was 25 and the mother Marie, was 23. They had a two year old child and were renting for the past 3 years together. Both had credit scores near 600 and their mortgage from a home that they were wanting to buy, would constitute 30% of their total monthly income. The price of the home was $140,000 with a $673 monthly mortgage payment. (Berry, 2007 pg C4) Their credit scores was not high and as a result, they were forced to pay a higher interest rate. However, they were sure that such a payment could be reached. They bought their home in May of 2007, just weeks before the mortgage meltdown. â€Å"I cant believe the timing. I am so fortunate. We both have poor credit scores and I doubt that we’d be able to secure a mortgage that was not sub prime† (Berry 2007 pg. C4) states John Laird. Their story was an American success story. However, those who came after John and who found themselves in similar situations, were not so lucky. In Oakland, California where the median home price is more than $400,000, homes are hard come by for those who are not very rich and who either have great credit or can put down a sizable down payment. This was not the case for Hector Esperanza. He earned a nice living at the age of 30 but the time when he first came to America as a legal citizen, were not so smooth. He ran up one unpaid bill after another and routinely had bill collectors calling him. In the last 3 years, he cleaned up his act and remained current on all of his bills. He then wants to buy a house for what is in comparison, a low purchase price of $228,000. His credit score was 615; right on the cusp of the old requirements but now, as a result of the mortgage meltdown in which lenders are now very nervous to approve such high risk loans, Hector was denied. His monthly payments would only constitute 25% of his monthly income. However, with the advent of stricter lending policies, Hector was seen as too much of a high risk. The sad state of affairs is that Hector is no longer the exception. The housing market is revolved around timing. No where has this become truer than in today’s current housing market. However, â€Å"prospective buyers are not interested in the appreciation in value that their homes could bring. Now, they are only wanting the chance to buy a home at all.† (Stempel, 2007) As a result, there have come from this current situation, some real and sobering numbers which affect millions of people. When viewing these statistics, it would behoove the lending industry to realize that this equates into many individuals who are severely affected. The forecast for the 2007 Housing market is bearish at best. It is expected that: there will be a decrease of 23% in single family home purchases. 22% decrease in the number of new homes being built and 44% of building companies reporting that their business has been affected in an adverse way and that 78% of the largest building companies have bee affected by the sub prime mortgage meltdown.   13% decline in the real Residential Fixed investment as well as a modest slippage in the real value of residential remodeling. (Christie, 2007) However, the full brunt of the sub prime mortgage meltdown, sadly, is yet to be realized. The worst may be on its way The current sub prime mortgage crisis is an example of how the few can ruin it for the many. Not everyone who has less than perfect credit would become a risk when buying a home. Everyone makes mistakes and those who have credit scores that are on the brink of the cut off, should be given the opportunity to own their own home. However, when lenders give $200,000 mortgage loans to individuals who have credit scores less than 550 and who clearly cannot afford the monthly payments, it ruins the entire housing market and hurts the potential and legitimate home buyers from owning a small piece of the American dream. Those people are now forced to rent. Less money is going to the city through taxes and a higher level of frustration is prevalent among millions of potential, first time home buyers who simply came to the table a few months too late. The sub prime market is relatively new and barely even existed just ten short years ago. The existence of the sub prime mortgage is a testament to the financial beliefs of the average American. Immediate gratification is what is popular and in buying the largest house, not because such extravagance is really needed but as a show of status is the motivation behind such purchases. The median home price in San Francisco is a staggering $1.1 million. (Donn 2007)   The buyers of these home can be divided up into two distinct groups;   those who can easily afford such prices and those who will go bankrupt in the attempt to do so. For the latter group, up until recently, have had no problem finding lenders who are hungry for their business. The fall out has come and personal responsibility, both for the individual as well as the lender has finally come full circle and forced the members of Congress, the construction industry, real estate agents and prospective buyers have been forced to take notice. As it was stated earlier, many feel as though this is the tip of the iceberg and future problems are only around the corner. The fact that the Federal reserve on September 19th, 2007, announced that they were going to cut interest rates provides some solace to the current mortgage crisis. Only time will tell if it will be too little and too late and what permanent changes will come out of this crisis in responsible lending practices. WORKS CITED Berry, J Predatory Loan Practice Lead to Mortgage Fallout. Chicago Tribune Business September 1, 2007 Christie, Les Subprime Blame Game www.cnnmoney.com Aired April 20, 2007 Doan, Mark. Home Prices and Subprime Mortgage Delinquencies. The Federal Reserve Bank of San Francisco www.frbsf.org Downloaded September 18, 2007 Myers, J Subprime and Shockwaves Bloomberg TV Aired July 19, 2007 Robb, G. Fraud in Subprime Loans www.cbsmarketwatch.com Retrieved September 17, 2007 Saft, J. Subprime Mortgage rap tars Good Consumers, Economy.   www.reuters.com Downloaded September 17, 2007 Seiders, D. Fed   Surveys Subprime Mortgage Effects. www.nbnnews.com/eyeonecon/issues/2007 Downloaded September 15, 2007 Stempel, J. Countrywide Plunges on Downgrade. Bankrupcy feared. Reuters August 15, 2007 Fed Cuts Interest Rate http://www.wbbm780.com/pages/962665.php?contentType=4contentId=931793 Downloaded Septe How to cite Mortgage, Essay examples

Ascension Health Comparative Study of Hospital

Question: Discuss about the Ascension Health for Comparative Study of Hospital. Answer: Introduction I work in a subsidiary of Ascension, named as Ascension Health. It is a non-profit organization situated in United States and is also one of the worlds largest Catholic Health care system owning about 131 hospitals (Hapenney, S. S., 2011). Mission, Values And Vision According to the company the mission and vision is the base of their work. This guides the employees to work hard and be dedicated to serve the needy with care and affection (Hendrich, A., 2007). Mission: The mission of the organization is to be rooted to the loving nature and serve all needy with care, affection and equality. This organization is spiritually dedicated for the improvement of the health of the society along with the individuals. Vision: The organization, envisions becoming an energetic Catholic Health Ministry which will lead to the transformation of the health care service. It ensures commitment to the health of the communities as well as the individuals who are in need. It views the expansion of the role of congregation in the region of both leadership and sponsorship. Values: The organization values proper service to the poor, wisdom, dedication, creativity, integrity and reverence. While thinking about the mission of the organization. To far extend it is moving towards the mission. The services and care provided to the people are as promised and according to the ethics of the organization. But in some sectors it is lacking as it is focusing mostly on expanding the organization rather in taking care of the employees. As employees are the main assets of the organization, the company should involve some funds in increasing the pay scale of the organization. In case of the vision, it is moving correctly towards achieving the goals. Organisation Structure Below is a view of Ascension organization, which includes the health ministry, sponsors, parent system, and subsidiaries. Within the company, the CEOs give instructions which come down through different levels, finally to the daily working staff. The physician leadership council, clinical leadership forum and the chief nursing officer forum, meets together and discuss about the agenda of what to do and what not to do. These are transferred to the team leaders through the CEOs. After that the team leaders provide this information to different sections of the team to carry out the functions. Reporting about the progress of the work will also go in the same way but in reverse direction (Georgopoulos, B. S., 1986). The hierarchical structure helps in maintaining the importance and respects between different levels. This also gives a sense of responsibility to the people of different levels. But along with the pros there are also some cons. The hierarchy system increases the workloads at the lower levels and also increases a feeling of rivalry between the levels. In this organization the nursing has a higher responsibility due to the increased number of patients as well as expanded business. A health care centre depends mostly on its services and care provided to the patients, and all these can only be done by the nursing department (Answering the call to care., 2015). This department also shares the same mission and vision as the main organization and performs all the works to make the company accomplish its goals. Nursing acts as the backbone of the organization. Conclusion From all the above discussion it can be concluded that, nursing are the most important part of a health organization. But some issues occur due to the workload and low wages, which sometimes make the management of the organization unorganized. So the organization should take care of all the departments equally. References Answering the call to care. (2015, February 03). Retrieved July 21, 2016, from https://www.ascensionhealth.org/nursing/#/nursing-connection-to-mission Georgopoulos, B. S. (1986). Organizational structure, problem solving, and effectiveness: A comparative study of hospital emergency services. Jossey-Bass. Hapenney, S. S. (2011). Appeal to conscience clauses in the face of divergent practices among Catholic hospitals (Doctoral dissertation). Hendrich, A., Tersigni, A. R., Jeffcoat, S., Barnett, C. J., Brideau, L. P., Pryor, D. (2007). The Ascension Health journey to zero: lessons learned and leadership perspectives. The Joint Commission Journal on Quality and Patient Safety, 33(12), 739-749.

The Feudal System Essay Example For Students

The Feudal System Essay The Feudal SystemThe feudal system was a political, military, and economic system based on the holding of land. The system was developed since the whole entire basis of rule from all the civilizations before the Middle Ages was lost. Early Europe was in desperate need of such a system since they were constantly being raided by the Vikings and other outsiders. Man was lonely during the Middle Ages. Life was very harsh and everyone worked except the king. The usual life expectancy was 35. People lived in small farming communities. Everyone lived in constant fear of being raided by foreign invaders such as the Vikings. When they were not worrying about being invaded they were scared of plague and other living conditions. Mans position in the world was unknown. Knowledge, wealth, and governing body had to be recreated. Cities were far and few between and much less populated and developed like todays cities. The Middle Ages was a religious age. Man clung to God as creator. People painstakingly built churches. Religion was what was the most important to people for a long time, and to be excommunicated was horrible. We will write a custom essay on The Feudal System specifically for you for only $16.38 $13.9/page Order now As time progressed the feudal system was created. It was designed to divide the lands and protect from attack. The king first gave a fief or a piece of land to a royal vassal. As proof for this exchange in land a vassal would swear to the lord to be his man all the days of his life and protect him against all men who may live or die. Next came investiture. Investiture was a symbolic gesture when a King or a lord presented a royal vassal or a vassal a stick, a small rod, or a clod of earth to show that he has given him a fief. Now this royal vassal was in charge of a huge piece of land. In order to defend it he would then divide his land into smaller pieces. He would take these smaller pieces and give them to warriors or who agreed to be his own vassals. Thus, the royal vassal became a lord to other vassals. The vassals now under this lord would now divide their lands and grant fiefs to warriors of their own. Last in the dividing of land was the knight whose parcel of land was too sma ll to be divided. Everyone in the feudal system worked except the king. A lord could demand 40 days of battle from his knights in a time of war. During peacetime a vassal had to hold courts of justice, charge tolls on bridges, collect taxes, and much more. A peasant lived on a manor or a small estate from which the lords family gained everything it needed. A peasant farmed the land and did lots of jobs for the lord. Serfs were kind of the same as a peasant except at birth they were bound to the land and could not leave. A free peasant might have become a serf if a bad harvest took place in exchange for bread and protection. Words/ Pages : 533 / 24

A Mothers Fight with Cancer essays

A Mother's Fight with Cancer essays My mother has always been the back bone of our family. Many times if it was not for her sometimes I do not believe we would have survived. In the beginning of 2008, my mother begin to have monthly check-ups due to her thyroid. She usually went to our usual family Doctor named Dr. Campbell. Dr. Campbell did his usual routine when checking for thyroids, but this time while checking my mother he came across two large masses in her belly. Dr. Campbell immediately he knew that it was not normal, so referred my mother to a doctor named Dr. Johnny who is an oncologist. My mother went to Dr. Johnny who told her he wanted to immediately remove the two masses because they could be cancerous tumors, which is life threatening. On March 12, 2008 at 8:00 A.M., my mother went under the knife to have the two massive tumors removed. Around 12:00 noon, she came out of surgery successful. Dr. Johnny explained to my family and I that he was going to send the tumors off to a cancer center to be Check for cancer and other diseases. Though my mother had twenty-five staples from her breast area to her vagina, she survived the big part. Now my family and I waited to see how the next couple of weeks would go. My mother had to stay in the hospital for six long days. It was so hard seeing her lay there helplessly because I had never seen her in a situation like this before. I had so much on my plate at this moment. I went home every night worrying about my mother, so around this time in my life it was pretty hard for me to focus on my school work, after school activities, and Once my mother got home things became easier. She still had trouble getting off and on the bed, digesting food, and using the restroom but we looked to the Lord and gave him praise for allowing her to pull through in a situation like this. She went back to Dr. Johnny on May 12, 2008 and he diagnosed her with colon cancer. My mother deci...

Analysis Of The Cuban Missile Crisis History Essay

Analysis Of The Cuban Missile Crisis History Essay Introduction The Cuban Missile Crisis was an event occurred in October 1962 when the USA detected that the USSR had deployed medium range missiles in Cuba, which was ninety miles away from Florida. It was the period that the cold war reached its peak because of the possible confrontation between the two superpowers, the US and the USSR, at the time. The Cuban Missiles Crisis was a very important part of the world history because of the risk of nuclear war that could lead to the destruction of the world. Therefore, it is very fascinating to identify what happen before the crisis, the causes, the actual events in the crisis, and the impacts of the crisis (Rich 2003, 416-428). Prior to the Crisis The Cuban Revolution, began in 1956, was the outcome of extensive economic oppression of Cuba by the USA. During Batista’s, the ruthless ruler of Cuba, regime, Cuba per capita income was twice greater than other countries in general. The Cuban economy was controlled by the USA, which ow ned 90% of Cuba’s telephone and electronic services, 50% of Cuba’s railway, and 40% of Cuba’s sugar production (Johnson 1965,p 443). Furthermore, the USA put a very strict controlled on Cuban sugar production. The USA also controlled Cuban import quota, divided lands in to estates, and forced the Cuban farmers to grow monoculture crop, which was sugar (Dye thus, Cuba’s per capital income was the highest in Latin America (Johnson 1965, p. 445). However, the distribution of wealth was not equally distributed. The majority of people were illiterate, and the mortality rate was very high because the health care system was not extended to the poor in the rural areas, who remained in poverty (Mabry 2003). Furthermore, Batista was a corrupted dictator, and a pro western ruler. These political and economic oppressions from Batiste and the USA inspired Fidel Castro, the charismatic revolution leader, to revolt for reforms (Rich 2003, p. 417). Between 1956 to 1959, Fidel Castro, Ernesto Che Guevera, and his younger brother Rual used the tactic Guerilla warfare to fight against Batista’s army at Mount Sierra Maestra in Cuba where he gained support from the local framers. The guerrilla warfare proved to be successful. On January 1959, Castro and his troops were able to overthrown Batista and his government. After the overthrown of Batista government, Fidel Castro set up a shadow government consisted of major Cuban political figures. Still, the majority of power was in the hand of Castro. When the shadow government failed to put forward his reforms, he dismissed them, and took control of the government as he appointed himself Cuba’s prime minister (Rich 2003, p 418). Two months after the victory of the Guerrilla force, Castro paid his first visit to the USA where his story was romanticized by the media. He was supposed to have a meeting with Eisenhower; however, the President refused to have a meeting with him, and went to the golf court. He was accommodated by Nixon, who was the vice president at that time. During the meeting, he refused to accept USA financial support because he believed that it would continue the USA influence in Cuba. After Castro visited the USA, the relation between the USA and Cuba began to decline (Rich 2003, 419). One month after the visit, Fidel Castro began his reforms. He nationalized Cuban lands, cattle ranch, bank, railroads, oil, and other utilities, which were once owned by the USA (Perez 2011, p. 230-231).

Trading Simulation Instruction Term Paper Example | Topics and Well Written Essays - 1500 words

Trading Simulation Instruction - Term Paper Example This comparison enables me to compare a stock’s per-share price. It has become a major problem to control unnecessary volatility of trade market as seen in portfolio. This has triggered the corporate government to rule out and put in place a process of bringing the patterns to a uniform level. Globally, the economic environment has started taking a paradigm shift with the featured securities. Like for instance, the ‘dot com bubble burst’ and the soaring oil prices. It is very challenging when U.S economy is put into an account (Hamid Faruqee, 2008, p. 265). U.S economy has slowed down making the interest rate appear tightened, and the equation made more complex. To determine the right shares of my portfolio, I needed to have a conservative alternative. Microsoft appeared to have outstanding price Earnings Ratio in its book value. From portfolio performance, the shares I traded are not that bad. Their PE ratios reflect the book value they had. The expected daily returns from shares have a weighted portfolio exhibit significant to non-linear dependence. Shares from Facebook and Microsoft are mostly consistent with previous market research. This research shows complete evidence of non-linear dependence in returns expected from the stock market indexes. The indexes are based on the individual stock in the United States. My justification is based on trading Facebook shares. Facebook has been engaged in global trading of market securities. This has built social products in order to create utility for both its users and developers. Facebook shares have appreciated in the recent years. It is true to say the stock is currently upward trading to approximately high rates. Summary and analysis of the Facebook share price shows the price trend is strong. Price trend can be made strong by use of simple moving averages. Key moving averages are seen in the daily chart shown in the portfolio. Facebook trading is not a bad move

Dunkin Donuts case Essay Example | Topics and Well Written Essays - 1250 words

Dunkin Donuts case - Essay Example With this concern, the essay will qualitatively along with financially analyze and recommend better implementation strategies for DD in addressing and mitigating the aforementioned issues. II. DUNKIN DONUTS AND TOMMY’S FRANCHISE STORE ANALYSIS Tommy can be apparently observed as serving a franchise owner of DD for more than 17 years. However, as days passed, the performance of Tommy’s store declined as per the standard of Customer Satisfaction Guide (CSG). This eventually resulted in deteriorating the franchisee standard of DD. Besides, DD has also been making complaints against Tommy about his non-payment of fees to DD within the stipulated time period. Thus, considering the aforementioned situation, it can be affirmed that DD should disenfranchise its affiliation with Tommy and restructure the store into a company-owned establishment. The company-owned store would certainly assist DD towards making greater sales through having greater control over the operational func tions (Trefis, â€Å"How Important Are Company Owned Stores to Mcdonald’s Stock ?†). However, prior to making this decision, certain options that have been provided to this situation require to be analyzed. These options have been elaborated hereunder. 1) Maintaining Tommy as Franchisee. The initial option, which has been provided to DD in this situation, is keeping Tommy as the franchise owner till the end of the contract. It can be affirmed that this particular option would not be appropriate for DD owing to Tommy’s bad performance in maintaining the standards of his franchise store, which in turn, affected the brand image of DD at large. In addition, the non-payment of fees in a fixed time period by Tommy might also generate certain potential problems between him and DD. Thus, this option would not be relevant for DD in the situation of buying the store of Tommy with the lowest probable price. 2) Royce as a New Franchisee Replacing Tommy’s Position. Th e second option of replacing Tommy with another franchise named Royce has been given to DD. It is strongly believed that Royce will not only be able to meet the industry standards, but would also deliver significant profits to DD. Therefore, this particular option can be justified on the grounds that DD will get 4.5 and 4.9% variable fee along with additional rental fee above sales of $165,000. 3) Company Owned Store at Tommy’s Franchise. The third option is to form a company owned store at Tommy’s franchise. This could be a favorable option for DD in terms of making significant profits. Assuming that this particular store would generate a sale of $ 290,000 and the total profit margin of a company owned store is of 13%, the total cash flow and the profit margin of a company owned store would be more as compared to a franchise store. This can be better understood with the help of the following tabular representation. Apart from attaining substantial profitability, DD ca n also be benefitted from this option i.e. setting up a company owned store at Tommy’s franchise in terms of effectively monitoring the store, scrutinizing customers’ voice and controlling various operational functions of the store efficiently contributing further to its well-built brand image (Chabaud and Saussier, â€Å"Incentives and Control In Company-Owned Vs. Franchised Outlets: An Empirical Study At The Chain

Followed - creative writing Essay Example for Free

Followed creative writing Essay The streets of London enclosed this humble infant. Unaware of where he is; where his mummy is, he continued to patrol the distant streets. The exhaustion of the young boy is unbearable to think of. Although unfamiliar with his surroundings he continued to walk, crying with anticipation: where is he? Freddy had been visiting London for the first time with his adorable mum. They got on so well. His mum was a rather rounded figure with big blue eyes and elongated eyelashes to balance her silhouette. She was a comical woman always entertaining her companions. Never a dull moment when she was around. Freddy loved her with all his heart and hoped he was just dreaming. Freddy and his mum were visiting sights in London, but he wasnt happy with this. He despised it, the thought of walking around all day long; looking at tedious buildings that all appeared identical made him aggravated; what was the point? Live life while you can! is what his mum used to say to him. Whats the point spending a beautiful Sunday morning indoors while you can be outdoors, celebrating the beauty of our capital city! Nothing could ever bring her down even Freddys bad behaviour. He thought it would just be about influential buildings, powerful statues and overcrowded town centres! But more was to come When they first arrived, Freddy was being rather disrespectful; mocking fellow tourists, giving his mum the cold shoulder and even locking himself in the cafi bathroom! But his mum understood, she always did. Freddy walked and walked, not enjoying the scenery; with hope he would soon find somewhere appealing. As he continued to trek, he noticed the reflection of a daunting old man on the trunk of a passing car. The reflection seemed lifeless yet full of hatred and anger. His long black slimy hair wrapped across his large forehead with blue eyes just visible beneath it. He was wearing a long black leather jacket almost touching the floor with a large shiny object poking out from the inside pocket. He could see his full length jacket flapping from side to side as it harmonized with the rhythm his walk. He appeared to be a tall man with big broad shoulders yet with a petite frame. His image seemed worthy of that of a monster. Freddy stopped. Looked for his mum, she was nowhere to be seen. He peered over his right shoulder, to what seemed like his worst nightmare. Hastily attempting to rush through a crowd of passing pedestrians trying to get away as quickly as possible. But suddenly he tripped to found himself landing on the rotting pavement. His pulse now increasing as if his heart was being snatched out of his chest then receiving a brutal punch to the whole in which was left. Blood was rushing from his head to his toes and back and forth, back and forth. Quickly rising to his feet he continues to run, running faster and faster, trying to find somewhere to hide. Scared that if he stops, the old man would catch him, torture him, hurt him, the thought was unbearable. The poor little boy was petrified, trembling with fear, looking for somewhere to escape to. He glimpsed behind his shoulder and to his surprise the man had gone. What just happened? Freddy distraughtly thought to himself. Was it a hallucination caused by his mums disappearance, or was it real, was that man really there? Freddy now tried to stay in places where people were around, but his racing mind couldnt shoot nasty thoughts out his head. He wanted his mum to be there so desperately, she; his best friend, he needed her now. I need to find her! he thought to himself. But where was he to start? He was in a city he did not know his way round of and eventually remembered his mum saying that if something happened and she wasnt around then to meet her just off Oxford street at a cafi called Donmarche. Quick! I have to get there now! Rapidly gazing behind the peculiar cardboard box he was hidden behind, he checked both ways to make sure that the man wasnt around, once left, once right, and again just to be sure. Once he had the reassurance he wasnt around, his legs where already in motion trying to get back to his original destination. After a few moments of none stop running, he heard a familiar sound from behind. Turning round slowly to see if he could see it, he noticed a shadow upon the wall. A shadow with large broad shoulders but yet with a petite frame, a shadow of extreme familiarity but not that of good familiarity but that of a horrific familiarity already experienced by Freddy. Freddys immediate reaction was to run, but that of the gaze coming from the man is too strong to pull away from. The contact between the two if disrupt able and yet strangely comforting, but only for the fact that his eyes are big and blue with beautiful elongated eyelashes, just like those, that stare at him daily with love and care. After a moment of bewilder ness he hears a screaming voice coming from the bottom of the road, he peers over the mans right shoulder to see a rather rounded figure running up the road. Elation fills Freddys heart. His shoulders start to relax and the view of his adorable mum makes him feel at once comforted. He and his mum spend hours, it seems, in an embrace, but eventually realising that the man is standing behind him he turns and quickly tells his mum about what has happened. She just stands there and laughs! Freddy darling, I brought you to London to meet your uncle! Say hello to uncle Fred! Freddy doesnt reply. He looks up at his mum in complete awe but eventually pulls them both into an embrace with a sigh of relief.

Teen Peer Pressure Causes Drinking and Driving Essay -- Peer Pressure

An average of one teen dies each hour in a car crash in the United States, and nearly 50 percent of those crashes involve alcohol, according to the National Highway Traffic and Safety Administration (NHSTA). Alcohol is the drug most widely abused by teens. Alcohol abuse occurs among all geographic, ethnic and racial groups. Teens easily succumb to peer pressure when deciding whether or not to use alcohol. Unfortunately, they lack the coping and judgment skills necessary to handle alcohol wisely. There are an estimated 3.3 million teen-age alcoholics in the United States. Adolescents who begin drinking before age 15 are four times more likely to develop alcoholism than those who begin drinking at age 21. Youth who drink alcohol are five times more likely to smoke cigarettes, four times more likely to smoke marijuana and three times more likely to use an illicit drug. Teens that use alcohol tend to become sexually active at earlier ages. Teens who use alcohol are more likely to be victims of violent crimes such as aggravated assault, robbery or rape. The use of alcohol by adolescen... Teen Peer Pressure Causes Drinking and Driving Essay -- Peer Pressure An average of one teen dies each hour in a car crash in the United States, and nearly 50 percent of those crashes involve alcohol, according to the National Highway Traffic and Safety Administration (NHSTA). Alcohol is the drug most widely abused by teens. Alcohol abuse occurs among all geographic, ethnic and racial groups. Teens easily succumb to peer pressure when deciding whether or not to use alcohol. Unfortunately, they lack the coping and judgment skills necessary to handle alcohol wisely. There are an estimated 3.3 million teen-age alcoholics in the United States. Adolescents who begin drinking before age 15 are four times more likely to develop alcoholism than those who begin drinking at age 21. Youth who drink alcohol are five times more likely to smoke cigarettes, four times more likely to smoke marijuana and three times more likely to use an illicit drug. Teens that use alcohol tend to become sexually active at earlier ages. Teens who use alcohol are more likely to be victims of violent crimes such as aggravated assault, robbery or rape. The use of alcohol by adolescen...

Acer Case Study

From the beginning, Acer had been a component and equipment manufacturer for relabeled electronic products marketed and sold by recognized global companies. Along with the booming of the PC industry, came the need to produce PC components faster, cheaper and more efficiently. When a company faces market saturation, the most effective way to growth is to engaged in expanding its operations, and increase marketing and selling activities to another markets.With this case, Acer determined that they would take the company into the global electronics and personal computer playing field. This means that even though Acer makes their computers in Taiwan, they want to expand globally. To proceed with this process, Acer has to build a strong brand image with China. According to Stan Shih, his visions that building a stronger market base in greater China is the key to expand globally.Shih states, â€Å"The market in China is very critical for Taiwanese to become global companies† Shih bel ieves that if greater China becomes the home market, that Acer will be able to get the critical economies of scale, and they can develop and innovate new products that will succeed in China as well as the rest of the world. And He figured that Acer could take advantage of the benefits that regionally local markets offer in regards to competition, and to have a product on China’s turf. 2. How does the â€Å"global market/local market† paradox figure into Stan Shih's strategy for Chinaï ¼Å¸Answerï ¼Å¡Acer have a good chance to make China as their home market so Acer can capture critical economies of scale that will allow Acer to develop innovative new product for global market. And the other hand, Acer can use their image as global brand to building strong home market.3. Can Acer become the world’s third largest PC company behind Dell and Hewlett-Packard ?Answer : Yes it can be, Acer Inc. is a leading marketer of notebook and desktop PCs. The company, which post ed sales of $11.3 billion in 2006, alsoproduces other products such as flat-screen monitors and personal digital assistants. And Shih has discovered that building brands in the business-tobusiness market is easier than building brands in the business-to-consumer market.â€Å"Business-to-consumer brands have more value but also face more challenges†. Acer use more local than their compete and acquired US based gateway and Acer sell product in europe with low price that the advantage to become the third largest PC company behind Dell and HP.

Explain ‘Natural Moral Law’ Essay

Natural Law can be traced back into the Ancient Greek and Roman worlds. In Sophocles’ play ‘Antigone’, Natural Law is very apparent throughout and the writings of the Greek Philosopher; Aristotle. In his works – ‘Nicomachean Ethics’ – he wrote; â€Å"The natural is that which is everywhere, is equally valid, and depends not upon being or not being received†¦that which is natural is unchangeable, and has the same power everywhere.’ The Ancient Stoics emphasised the importance of Logos, or rationality, that governs the world and sees human nature as one natural order. They considered natural law as a law of ‘right reason’. In his letter to the Romans, St Paul wrote about a law that is ‘written in the hearts’ of Gentiles. It is therefore clear that throughout the ancient world, although there is differing terminology, there seems to have been a consensus over the existence of a natural moral law, which dictated the rightness or wrongness of an action that was not dependent upon the laws created by society. St. Thomas Aquinas developed a fuller account of this ‘natural law’ in the thirteenth century. This theory is both deontological and absolutist and so his resulting work is focused upon the ethicacy of actions. In his work ‘Summa Theologica’, Aquinas described natural law as a moral code, which exists within the purpose of nature and was created by God. He says that it is present in every human being. Natural Law exists to aid humans, directing their actions in such away that they might meet their eternal destiny. He argued that there was a basic law, from which all the other natural laws derived. This was to pursue good and avoid evil. For Aquinas, both the intention and the act are important, this is because his theory is based on a mainly deontological view. The only end that he values is God as He is intrinsically good. He believed that acts are intrinsically good or bad because when human beings act in accordance with their ultimate purpose, God is glorified. Aquinas followed the line of thought that human beings are intelligent and therefore should be able to direct him or herself, this therefore meaning that they can take responsibility for knowing and doing  what God intends for them. Whether or not an act leads towards God depends on whether it fits the purpose that humans were made for. For Thomas Aquinas, the main purpose of human life is to preserve the self and the innocent, to reproduce, worship God, acquire knowledge and live in ordered society.. He names these the primary precepts – acts that are in accordance with these precepts are good and those, which do not, are bad. He also names them the secondary precepts – which are rulings about things that we should or should not do because they uphold a primary precept. The theory of Natural Law as put forward by Aquinas, is based upon the religious view that God created the world, establishing in it a sense of order and purpose, which is a direct representation of His will. In the natural law approach to ethics, the action itself can either be natural or unnatural, and is judged on that basis. It does not depend for its moral law justification upon any results. Therefore, according to natural law, an action can be deemed good in itself, even if it brings about suffering. In conclusion, Natural Moral Law enables to establish rules in order to structure a community. It gives a concrete reason to be moral and a firm basis from which to refuse to step over moral boundaries. It provides justification and support for certain core ideas and it judges actions, irrespective of consequences. Natural Moral Law isn’t just simply a set of rules, but a way of living. It gives guidance on everyday questions on how to live and links them to the fundamental principles of life. It provides a complete system of moral living in step with what it is to be human.

Black September and the 1972 Olympics essays

Black September and the 1972 Olympics essays Twelve months in a year. October and November are filled with cold winds and cloud cover as the winter draws near. December, January, and February, are times for enjoying family and friends in the comfort of your home while in front of a roaring fire. March, April, and May bring hope of the summer, while June, July and August are times for relaxation, barbeques, and fun. So what is it about September? Sometimes, it seems like that is the perfect month for destruction, devastation, and often terror. Chances are if you ever get caught in the middle of a terrorist situation, you wont live to see October. Especially if you are in the middle of a terrorist situation with a group known as Black September. Black September was a Palastinian organization that was founded in 1970. It had links to various groups within the Palastine Liberation Organization (PLO), most notably Fatah and the PFLP. Sources claim that the organization was controlled by Yasser Arafat, the leader of PLO, but this has never been proven (cedarland, 1). In fact, many believe that there were several leaders the organization. Some of them include Ali Hassen Salamen, Abu Iyad, and Mohammad Yusuf Najjar. All of them were eagar to seek their revenge on the Israelis, and make their mark on the world. The reason for the name Black September is because of a ten day war, between the Palastinian guerrillas and the Jordinian Army, which began September 17, 1970. durining this war, over 4000 Palastinian men were killed. The fighting took place in the city of Amman, Jordan. The skirmishing in the streets of Amman was bloody. Neither side took any prisoners; both sides committed atrocities, many innocents were raped and killed, and most of the city was ablaze. In other parts of the country, besieged refugee camps where PLO fighters had taken refuge were running out of food and water (cedarland, 1). This war was given the name Black September, and gave inspiration to some...

The Shifting Heart (Drama Play) Essay Example | Topics and Well Written Essays - 750 words

The Shifting Heart (Drama Play) - Essay Example Racism is not just evident in terms of different races but among the rights being provided to men and women further resulting in other conflicts which may damage social organization of institutions. These can be the castes issues, status consciousness, corruption in order to provide the best to ineligible, power conflict etc. This paper aims to discuss different societal problems in the society by considering The Shifting Heart as the base source for analysis. Furthermore, the paper will also constitute different examples of racism, gender discrimination and social conflicts with the aid of different characters of the story. Despite increasing the economic surplus of modern states, it is an evident fact that even the modern countries or developed countries of the world are noting increased number of social conflicts. It should be noted that conflicts arise when there is a difference in approach of associating in a community. Considering the case of Australian society, the play The Sh ifting Heart has been written to represent the social differences and aspects of social disorganization in Australian society. The playwright has noted a number of societal issues such as gender discrimination, racial discrimination etc. as the root cause of social disorganization in the society (Benyon). The gender discrimination is quiet evident in the play as the stage setting shows three families which are in war with each other because of being racially different. It can be noted that the families have shown a great deal of gender discrimination. The Italian family or Bianchi family shows hatred against the neighboring family of Fowler. This hatred shows a contempt or in other words gender discrimination that the Bianchi family does not allow the women of the Fowler family to be treated with any respect. However, this is different in terms of bianchi’s own family that the women in Italian family are given much respect along with communicating with them in a very positive and polite manner (Benyon). Racial Discrimination With the help of evaluation of the stage setting, it can also be noted that the families at war with each other have totally outlawed each other in terms of actions. It can be noted by the analysis of stage setting that the walls between the families include barbed wire. The barbed wire can also be noted as a way of disintegrations of association among the members of the society. Despite being different from each in terms of races, both the families’ represent a similar society or a community. This is exemplified by Lukie and Clarry in Stage III. Lukie and Clarry exchange harsh words at their first acquaintance. While Clarry says that he likes nothing about Lukie (Beynon, 93), Clarry sarcastically tells Lukie he, â€Å"†¦Must be feeling as if he’s on top of the world† Clarry’s bellicose nature is further exposed when he, upon learning that Lukie had apprehended some suspects in relation to Ginoâ€⠄¢s beating, asks Lukie if he is after some promotion (Beynon, 97). It is clear that with this state of affairs characterizing interpersonal relationships among people of different races, social cohesion remains nearly unachievable (Benyon). Class consciousness is another issue that can arise if there is racial discrimination among two parties of the society. This is evident in the case of both the families at w

Public health Assignment Example | Topics and Well Written Essays - 2750 words

Public health - Assignment Example In both developed and developing countries, non-governmental organizations and local health systems have done their best in playing an essential role of preventing diseases infecting individuals. In developing countries, there is a low level of preventing diseases and medical care since there is no adequate and effective training of health workers. There are also no enough and appropriate resources which can help in providing quality health services. This is because there extremely high poverty levels hence no good health services provision (Hall, 1998). Therefore, this has led to many deaths in many developing countries due to inappropriate health measures. In dealing with residential age care, many developing countries in relation to health matters, have not taken into consideration and effectively act upon that issue. In most continents, especially in developed countries, different theoretical approaches have been developed to effectively deal with the issue of health policy agenda setting. For example, two models namely politics and social have been developed in tackling the issue of health oppression. In many countries in different continents, governments use their agencies in tackling the issue of public health. They normally use ministries of health in drawing effective strategies in dealing with health problems among individuals in their respective countries. In dealing with global health issue, a universal international agency has been established in order to deal with health issues. The World Health Organization coordinates and acts upon health issues internationally. This agency has largely helped many countries, especially t he developing ones, in encountering and dealing with health issues in their countries. In public policy agenda setting, an effective field of inquiry has been well-developed and established. A little organized and systematic

An Analysis of How Several EU Policies Influence (Have Influenced) The Essay

An Analysis of How Several EU Policies Influence (Have Influenced) The Operations of Carrefour - Essay Example Through these centres the company has spread up its operations based along 9,500 outlets whether managed by company or by franchises. Other than European countries the company has also spread its operations in areas belonging to Latin America and other Asian countries like China (Carrefour-a, n.d.). It is found that the maximum of the revenues of the firm is generated from its operation outside the European countries which is found to generate around 57 percent of the total revenue of the Carrefour group. The retail company also specialises in meeting the demands of both the internal and external set of consumers. Focusing on the internal aspects the company works in highly motivating and encouraging the staffs to take quality decisions and also enhances the knowledge base of the people through encouraging them to take part in group activities. Similarly focusing on the external consumer base the company works in generating quality products at affordable prices to the consumers. Carr efour also works in carving and enhancing the loyalty relationship with the consumer bases (Carrefour, 2009). Carrefour thus based in an European country the paper endeavours to evaluate the impacts of the policies formulated by the European Union on the operations and internal policies of the company. The Policies of the European Union Three significant areas are highlighted on which the European Commission has issued separate policies. In regards to bring about harmony in the economic and financial sector the European Union has generated the Euro currency which would tend to bring about unity in the trade and economic activities pertaining to the European Countries. The generation of Euro as the common currency of the European nations has helped the financial institutions belonging to such countries to effectively tackle the financial emergency emanating out of the event of the credit crunch. Moreover the issue of Euro has helped in reducing the cost of transferring or converting currencies while travelling from one European country to another. Similarly the uniformity brought in the price tags of the products helps in safeguarding the consumers from being cheated by the different retailers. Moreover the introduction of the Euro has helped in reducing the cost of money transfers among banks and financial institutions thus encouraging the consumers of such organisations to go about with the money transfers without subjecting to any hazard (Europa, 2011). The introduction of the Euro thus is found to bring about economic, social and political stability among the European nations. It helps in the extension of trade and commerce and thereby creates ample opportunities for jobs and employment. Retail consumerism has also gained newer dimensions owing to the introduction of Euro where the retail firms are bound to tag the prices of the products uniformly thus enhancing transparency (Agraa and Ardy, 2011, p.182). The second policy of the European Union which comes into light is regarding directions in order to sustain the hygiene and freshness of the food products for both humans and animals. Maintenance of high hygiene standards is being regulated for the several European nations through the introduction

NVQ Business studies Essay Example for Free

NVQ Business studies Essay Diversity should be respected and valued, because nobody is completely the same as anyone else. It is everywhere in our lives which makes rich and varied. In our lives diversity can be defined as differences in heritage, race, beliefs, customs, mental capabilities, physical appearances etc. It should be valued because no one is completely the same as anyone else, even within the above categories. If diversity is not valued then it can lead to violence and hatred. People tend to reject what is different. Our differences/diversities can lead to growth as a society or it can lead to violence and hatred. We must value our diversity in order to work together for the common good of our society/world. ?OCR Business and Administration NVQ (QCF) UNIT 203 Title Work in a business environment Level 2 Credit 2 1. 1Describe what is meant by diversity and why it should be valued? Diversity should be respected and valued, because nobody is completely the same as anyone else. It is everywhere in our lives which makes rich and varied. In our lives diversity can be defined as differences in heritage, race, beliefs, customs, mental capabilities, physical appearances etc. It should be valued because no one is completely the same as anyone else, even within the above categories. If diversity is not valued then it can lead to violence and hatred. People tend to reject what is different. Our differences/diversities can lead to growth as a society or it can lead to violence and hatred. We must value our diversity in order to work together for the common good of our society/world. ?OCR Business and Administration NVQ (QCF) UNIT 203 Title Work in a business environment Level 2 Credit 2 1. 1Describe what is meant by diversity and why it should be valued? Diversity should be respected and valued, because nobody is completely the same as anyone else. It is everywhere in our lives which makes rich and varied. In our lives diversity can be defined as differences in heritage, race, beliefs, customs, mental capabilities, physical appearances etc. It should be valued because no one is completely the same as anyone else, even within the above categories. If diversity is not valued then it can lead to violence and hatred. People tend to reject what is different. Our differences/diversities can lead to growth as a society or it can lead to violence and hatred. We must value our diversity in order to work together for the common good of our society/world. ?OCR Business and Administration NVQ (QCF) UNIT 203 Title Work in a business environment Level 2 Credit 2 1. 1Describe what is meant by diversity and why it should be valued? Diversity should be respected and valued, because nobody is completely the same as anyone else. It is everywhere in our lives which makes rich and varied. In our lives diversity can be defined as differences in heritage, race, beliefs, customs, mental capabilities, physical appearances etc. It should be valued because no one is completely the same as anyone else, even within the above categories. If diversity is not valued then it can lead to violence and hatred. People tend to reject what is different. Our differences/diversities can lead to growth as a society or it can lead to violence and hatred. We must value our diversity in order to work together for the common good of our society/world. ?OCR Business and Administration NVQ (QCF) UNIT 203 Title Work in a business environment Level 2 Credit 2 1. 1Describe what is meant by diversity and why it should be valued? Diversity should be respected and valued, because nobody is completely the same as anyone else. It is everywhere in our lives which makes rich and varied. In our lives diversity can be defined as differences in heritage, race, beliefs, customs, mental capabilities, physical appearances etc. It should be valued because no one is completely the same as anyone else, even within the above categories. If diversity is not valued then it can lead to violence and hatred. People tend to reject what is different. Our differences/diversities can lead to growth as a society or it can lead to violence and hatred. We must value our diversity in order to work together for the common good of our society/world. ?OCR Business and Administration NVQ (QCF) UNIT 203 Title Work in a business environment Level 2 Credit 2 1. 1Describe what is meant by diversity and why it should be valued? Diversity should be respected and valued, because nobody is completely the same as anyone else. It is everywhere in our lives which makes rich and varied. In our lives diversity can be defined as differences in heritage, race, beliefs, customs, mental capabilities, physical appearances etc. It should be valued because no one is completely the same as anyone else, even within the above categories. If diversity is not valued then it can lead to violence and hatred. People tend to reject what is different. Our differences/diversities can lead to growth as a society or it can lead to violence and hatred. We must value our diversity in order to work together for the common good of our society/world. ?OCR Business and Administration NVQ (QCF) UNIT 203 Title Work in a business environment Level 2 Credit 2 1. 1Describe what is meant by diversity and why it should be valued? Diversity should be respected and valued, because nobody is completely the same as anyone else. It is everywhere in our lives which makes rich and varied. In our lives diversity can be defined as differences in heritage, race, beliefs, customs, mental capabilities, physical appearances etc. It should be valued because no one is completely the same as anyone else, even within the above categories. If diversity is not valued then it can lead to violence and hatred. People tend to reject what is different. Our differences/diversities can lead to growth as a society or it can lead to violence and hatred. We must value our diversity in order to work together for the common good of our society/world. ?OCR Business and Administration NVQ (QCF) UNIT 203 Title Work in a business environment Level 2 Credit 2 1. 1Describe what is meant by diversity and why it should be valued? Diversity should be respected and valued, because nobody is completely the same as anyone else. It is everywhere in our lives which makes rich and varied. In our lives diversity can be defined as differences in heritage, race, beliefs, customs, mental capabilities, physical appearances etc. It should be valued because no one is completely the same as anyone else, even within the above categories. If diversity is not valued then it can lead to violence and hatred. People tend to reject what is different. Our differences/diversities can lead to growth as a society or it can lead to violence and hatred. We must value our diversity in order to work together for the common good of our society/world. ?OCR Business and Administration NVQ (QCF) UNIT 203 Title Work in a business environment Level 2 Credit 2 1. 1Describe what is meant by diversity and why it should be valued? Diversity should be respected and valued, because nobody is completely the same as anyone else. It is everywhere in our lives which makes rich and varied. In our lives diversity can be defined as differences in heritage, race, beliefs, customs, mental capabilities, physical appearances etc. It should be valued because no one is completely the same as anyone else, even within the above categories. If diversity is not valued then it can lead to violence and hatred. People tend to reject what is different. Our differences/diversities can lead to growth as a society or it can lead to violence and hatred. We must value our diversity in order to work together for the common good of our society/world. ?OCR Business and Administration NVQ (QCF) UNIT 203 Title Work in a business environment Level 2 Credit 2 1. 1Describe what is meant by diversity and why it should be valued? Diversity should be respected and valued, because nobody is completely the same as anyone else. It is everywhere in our lives which makes rich and varied. In our lives diversity can be defined as differences in heritage, race, beliefs, customs, mental capabilities, physical appearances etc. It should be valued because no one is completely the same as anyone else, even within the above categories. If diversity is not valued then it can lead to violence and hatred. People tend to reject what is different. Our differences/diversities can lead to growth as a society or it can lead to violence and hatred. We must value our diversity in order to work together for the common good of our society/world.

Drinking Regime Evaluation of Boluses

Drinking Regime Evaluation of Boluses Ondrej Hanu; Daniel Bro, Milan Ã…  imko, Branislav Glik, Miroslav Jurek, Michal Rolinec, Robert Herke Slovak University of Agriculture in Nitra, Slovak Republic Original Paper Drinking regime evaluation with continuous ruminal monitoring boluses The aim of this study was to continuously monitored drinking regime of 7 dairy cows of Holstein breed using boluses during 24 weeks of lactation in relation to the outside temperature and observed daily drinking regime with the impact of drinking on rumen temperature at University Experimental Farm in Oponice. Animals were fed once daily and milked 3 times per day. The bolus pH and temperature values implemented via esophagus were measured every 15 minutes (96 data points per day) with accuracy  ±0.1 ph and  °C. Outside temperature by FREEMETEO meteorological server (48 times per day) was measured. Outside temperature can affect the drinking regime of dairy cows. During lactation weeks with higher outside temperature higher average number of drinking events (ANDE) was determined. The biggest difference between weeks in ANDE 18.33% (p=0.000) was found. Daily ANDE 9.25 ±1.85 and average daily temperature (ADT) 19.03 ±5.19  °C were observed. The most of the drinking events (ND E) concentrated to 4 main peaks (25.17%) during working hours (74.98%) was found. After the feed intake and milking the highest frequencies of NDE were observed. The highest average ruminal temperature after drinking (ARTAD) during night before first feeding due to lower NDE in this time were found. Overall ARTAD 36.86  °C was observed. The most measured ruminal temperatures after drinking (RTAD) (51.53%) in the interval 35 37  °C were found. This research proved that continuous ruminal monitoring with boluses is an appropriate tool for drinking regime evaluation and heat stress determination in herd of dairy cows. Keywords: bolus, rumen, temperature, water intake, outside temperature Water supplies for both humans and livestock are becoming a subject of increasing importance. Indeed, climate change and drinking water deficits in certain areas have meant that supplies of clean water for livestock are becoming problematic, at least during certain periods of the year. Water is considered the most important nutrient for health and performance in dairy herds. Loss of water from the body occurs through milk production, urine and fecal excretion, sweat and vapour loss from lungs (NRC, 2001). A adequate water intake is essential to avoid negative effects on animal health, performance and welfare (Murphy,1992; Meyer et al., 2004), and 25 and 50% restriction of drinking water relative to ad libitum intake decreased feed intake and milk yield in dairy cows (Steiger Burgos et al., 2001). Results of several experiments showed that an average of 83% of the water demand is met by drinking (NRC, 2001). Many studies found the association between water intake and outside temperatu re and between water intake and the number of drinking events (Matarazzo et al., 2003; Brown-Brandl et al., 2006; Arias et al., 2008). Drinking activity can be monitored continuously and simultaneously for randomly enrolled cows using a data acquisition system based on an individual radio frequency identification collar (Cardot et al., 2008) or with observers (Jago et al., 2005). Huzzey et al. (2005) monitored drinking activity of dairy cows using video cameras connected to a video multiplexer and a time-lapse videocassette recorder. Bewley et al. (2008) monitored ruminal temperature using boluses permanently residing in the cows reticulum and indentified temperatures influenced by drinking events. The aim of this study was to monitored drinking regime of dairy cows using boluses during lactation in relation to the outside temperature, daily drinking regime and the impact of drinking on rumen temperature. 2.1 Animals and housing Measured data from 7 dairy cows of Holstein breed (average age 3.57) in cooperation with the University Experimental Farm in Oponice during 24 lactation weeks were collected. Selected cows had average milk production 10 175 kg per lactation with 3.94% of fats, 3.10% of crude proteins and 4.70% of lactose. Experimental cows were housed in the groups with another dairy cows together. 2.2 Feeding and water availability Animals were fed once daily with Total Mix Ratio (Table 1) ad libitum between 4:00 and 5:00 and milked 3 times per day at 6:00, 12:00 and 18:00. Corn silage (pH 3.85) and alfalfa silage acidity (pH 4.85) with Sodium Bicarbonate (550 g.head-1) and Magnesium Oxide (51 g.head-1) were neutralised. In one section for 20 dairy cows two drinkers were available. Table 1 Total Mix Ratio composition DM (kg) NEL (MJ.kg-1) CP (%) NDF (%) Starch (%) 25.45 153.86 15.74 24.35 25.39 abbreviations: DM dry mater, NEL netto energy of lactation, CP crude protein, NDF neutral detergent fiber 2.3 Data measuring and data collecting Every dairy cow had implemented farm bolus for continual data measuring which was implemented through esophagus orally with the use of special balling gun. The bolus pH and temperature values were measured every 15 minutes (96 data points per day) with accuracy  ±0.1. Outside temperature by FREEMETEO meteorological server (48 times per day) was measured. Used boluses (eCow Devon, Ltd., Great Britain) are characteristic with its small dimensions (135 27 mm) and weight 207 g. Data with the handset with antenna and dongle connected with USB dongle connector with the radio frequency 434 MHz in the milking parlour were downloaded. Collected data were summarized with HathorHBClient v. 1.8.1. 2.4 Statistical evaluation Statistical evaluation with IBM SPSS v. 20.0 was realised. Descriptive statistics with One-way ANOVA were recalculated. Statistically differences between average daily outside temperatures (ADT), average ruminal temperatures after drinking (ARTAD) and average numbers of drinking events (ANDE) with post hoc Tukey Test were determined. Effect of outside temperature on number of drinking events with Pearson correlation coefficient (r) was realised. As drinking event a decrease in ruminal temperature less than -0.70% and ruminal pH less than 0.00% with previous data point using data filter was selected. Drinking regime of dairy cows during lactation with average temperatures during drinking events in the Figure 1 are shown. ANDE during monitored period 9.25 ±1.85 and ADT 19.03 ±5.19 were observed. Minimal reported ANDE found Jago et al. (2005) 5.2. Higher average ANDE for monitored period observed Huzzey et al. (2005) 9.5 ±0.4 and Perera et al. (1986) 9.4. Cardot et al. (2008) determined ANDE 7.3 ±2.8 during their experiment. The effect of ADT r=0.132 on ANDE was determined (p=0.001) but in 19 cases the same change both increase or decrase in the comparison with previous week between ANDE and ADT was found. Gonzà ¡lez Pereyra et al. (2010) found effect of outside temperature on ANDE r=0.507 (p

Failure of a Marriage Depicted in Ibsens A Dolls House Essay

A House in Ruins In Henrik Ibsen's "A Doll's House", the subject most important to the story is marriage. "Until death do us part" well, not always. Everywhere one looks, divorce is plaguing society. The treasured marriage vows have become nothing but a promise made to be broken. A Doll's House is a prime example of a relationship that didn't work. To keep a marriage alive and well it must hold onto certain qualities: love, communication, trust and loyalty. With these qualities, any marriage is bound to work. Without love a relationship would never even begin. The basis for Nora and Torvald's relationship appears to be centered around love, but this was not exactly obtained. Torvald doesn't really love Nora in a mature way; he just looks at her as another child. He has many nicknames for his wife including "lark" and "squirrel" which are small animals and used as symbols of foreshadowing. By using these symbols, Torvald looks at his wife as being smaller than himself and therefore easy to control. He always refers to Nora as my something. "Is that my little lark twittering out there?" and "Is it my little squirrel bustling about?" (438) He emphasizes the ‘my' which makes him think that he owns his wife and he is in control of her. Calling his wife names such as ‘skylark', ‘squirrel', and ‘spendthrift', Torvald does not love his wife with the respect and sensitivity a man should. He gives Nora an allowance but thinks she spends it frivolously. "What are little people called that are always wasting money? It's a sweet little spendthrift. One would hardly believe how expensive such little persons are" (439) Here, Nora is referred to as a small subordinate creature once again. Torvald is so concerned about... ... for his wife. Nora and Torvald's marriage fails because they lack in all of the qualifications for a successful marriage and because of Torvald's control over his family. Before Nora leaves, she tells Torvald, "But our home has been nothing but a playroom. I have been your doll-wife, just as at home I was papa's doll-child; and here the children have been my dolls. I thought it great fun when you played with me, just as they thought it great fun when I played with them. That is what our marriage has been, Torvald." (491) Nora wants change. Marriage is a two-way street and in order to ensure a wonderful and happy life together, any sort of doll house must be torn down. Works Cited Ibsen, Henrik. "A Doll's House." Literature the Human Experience. Shorter 8th Ed. Eds. Richard Abcarian and Marvin Klotz. Boston: Bedford/St. Martins. 2004. 437-495.