Wednesday, December 25, 2019

The Unexplained Puzzle Into Essay Topics for College Application Uncovered

The Unexplained Puzzle Into Essay Topics for College Application Uncovered Definitions of Essay Topics for College Application Thus, the essay is supposed to coincide with the applicant's qualities and interests in order for it to boost the possibilities of admission. Your essay is the opportunity to invigorate your application. It should reveal your personality and your best assets. Based on extensive counselor feedback, the current essay prompts provide great flexibility for applicants to inform their exclusive stories in their very own voice. Write to be viewed in our society for quite a few years to come in that school is much less evident in the story. Say what you do to create your life better. Topics like death and divorce are cautionary as they can be exceedingly tough to write about. One of the most difficult features of college life is finances. There's indeed a wonderful similarity between a college application and an excellent story. Writing college essay may be the most challenging portion of the entire procedure of application for a college. Writing the college application essay is a difficult gig. Before you're able to select a compelling essay topic, first you have to know why there's an essay in the very first spot. It is essential to answer the essay question. The essay is just one of the important approaches you're able to distinguish yourself. Your essay needs to be distinctive and interesting. Bridget's essay is quite strong, but there continue to be a couple little things that could be made better. At the exact same instance you must also be absolutely sure you've answered the question asked in your essay. In order to be noticed, it's important to understand that there are several essay topics which are cliche and overused. Once you have decided on a topic that appeals to you, you should concentrate on essay writing. Essay Topics for College Application - the Story Application essays about challenges reveal how you respond to difficulty to folks who are quite interested in how you are going to manage the subsequent four years by yourself. Moreover, there ought to be a warranty period for you to make sure in the event of any issues being noticed by your teacher in the work it is going to be revised. Describe some tasks you have accomplished over the last two years that do not have any connection to academic studies. The procedure can help make certain you continue to b e on the appropriate track. Suddenly, you're in a totally new situation, and will need to do something, but you need zero idea what. Think of your feelings about the scenario, how it affected you and what you learned from the experience instead of just simply recalling the circumstance or the individual you lost. Opt for a distinctive topic that others may not think of, and whatever you select, make sure that you know a lot about it! A good deal of students make the error of attempting to second-guess what the admissions folks wish to hear in an essay, and after that write about something which isn't actually central to their interests and passions. The Downside Risk of Essay Topics for College Application By avoiding the topics listed previously'll ensure your essay helps instead of hurts your odds of admission. You must look for a topic you could write about most passionately and effectively. So you don't actually need to obtain a topic! Write freely topics select a prompt later. You also need to constantly review your paper, to make sure your topic drives with what it is that you are writing about. When you discover that topic, it's about writing and rewriting. Possessing factored the above strategies and develop a great topic, it is the right time to start the writing process. Who knowsthe response to that question may be the foundation for your admission essay. The application text ought to be effective to go into the college. More frequently than not, deadlines for submitting applications are almost always short which makes many prospective applicants worry they will not have the capability to submit their sample essay for MBA application punctually. There might be personal information which you want considered as a member of your admissions application. If you prefer, you can application on one specific subject. Persuade the admission officers that you are really worthy for admission. Don't forget that the objective of a college admissions essay is to aid admissions officers get to know you. It is very important to capture the interest of the admission tutors irrespective of how strict they may appear to be. College admissions essays aren't rocket science, but there are a range of steps that students may take to assemble the most accurate and compelling essays that will assist their odds of gaining admission to their top-choice colleges. Explain your commitments, and you're going to be the type of student colleges find immensely attractive. Some students and counselors squawked, but I feel the word-count ceiling is an excellent thing.

Tuesday, December 17, 2019

Impact Of Globalization On The Age Of Industrialization

Over the course of history, never has there been a more significant transition of societal organization than that from feudalism to capitalism. The monetization of trade completely changed people’s standard of living in that they were no longer tied to a social monarchy and could engage freely in commerce. As well, newly discovered technology allowed populations to achieve economies that could generate successful productivity. In recognizing and analyzing this distinct historical event, it then begs the question of what exactly made the greater impact on the age of industrialization. There were numerous contributing factors that propelled worldwide economic development. Britain, as the most advance economy of the time, showed leadership in its introduction of limited liability law which is arguably the primary force behind the movement towards industrial capitalism. With investors now able to freely enter business with one another while being shielded from substantial debt th at could otherwise deter them from participating in commerce, the opportunity for new advances in economic development emerged, as made apparent in the aftermath of these laws,. The following essay will verify how, in accepting this principle and integrating it into their economy, it is evident why Britain became an international forerunner for financial prosperity. To begin, an explanation of limited liability should be provided prior to deconstructing the reasoning behind what makes it such a keyShow MoreRelatedIndustrial Revolution1160 Words   |  5 Pagesï » ¿ Industrialization of the 19th Century in America Matt Capone FIN 419 Professor Moore May 3, 2014 Over the course of time, the country of America has changed in many ways. Towards the end of the 19th century, a significant change took place in the fundamental structure of the economy. That change was industrialization. During this time period, the United States of America changed from a large, agricultural country, to an urban industrial society. The process of industrializationRead MoreGlobalization : A Short History1720 Words   |  7 Pagesworld today are seen less superior and most likely to keep peace and order rather than starting violence. In Jujen Osterhammel and Niels P. Petersson’s book Globalization: A Short History, they investigate what led to globalization. They discuss events in history starting from the 1800s to the cold war era and what events led to globalization. Osterhammel and Petersson describe every event in details that have led to the world we live in today. From there discussion, it is seen that Europe was a dominatingRead MoreDiscussion Question s for Globalization Is Good Followed by Discussion Questions on Global Village or Pillage1154 Words   |  5 PagesDiscussion Questions for Globalization is good followed by discussion questions on Global Village or Pillage Taiwan: Discussion questions 1.How has ‘land reform’ contributed to the rapid industrialization of Taiwan? Land reform contributed greatly to industrialization of Taiwan because the people were able to own land due to their governments property ownership program. Since the citizens were allowed to own their own piece of land, this encouraged them to make their land better and moreRead MoreThe Global Economy Has Changed Over Time953 Words   |  4 Pagesglobal economy has changed and what contributed to those changes. During the 19th century the cost of transportation decreased as a result of innovation. Income per capita nearly doubled across all classes in America and in Europe during the gilded age (1870-1900). Advancements in technology radically changed trade; with the introduction of the railway system and the use of steamships, the cost of transportation decreased. The time required for goods to reach the market was reduced, and the cost ofRead MoreA Theoretical Review Of Global Stratification913 Words   |  4 Pagesto the age of five or sixty-five, living in life-threatening poverty, working for family income as a child, or being a slave. Global stratification is significant to society because it is the reason behind widespread poverty and extremely uneven spread of wealth throughout the world. The gap between the rich and the poor of the world continues to widen (Macionis 280-292). In November and December 2015, a United Nations climate convention was held in Paris. Global stratification impacts the environmentRead MoreGlobalization : The Globalization Story1361 Words   |  6 PagesThe Globalization Story Most portrayals of globalization emphasize a natural and progressive view of increased international integration as a result of developments in transport and communication. As this occurs, it is important to remember that such integration is part of the larger historical process of industrialization and, like industrialization, globalization is the product of choices made by powerful actors. As a result of these choices, life has changed all over the world, but these changesRead MoreEssay on Globalization Is Good1443 Words   |  6 PagesDiscussion Questions for Globalization is Good Taiwan: Discussion questions 1. How has ‘land reform’ contributed to the rapid industrialization of Taiwan? Back in the 1950s the government of Taiwan started to offer yields of land for families to own and operate off of. The land, which was supplied with food/crop, released man power for industry to prosper. As the government distributed the land, the owners took advantage. Taiwan’s rural beginnings lead to industrial wealth like Mr. WangRead MoreGlobalization And Its Impact On Culture And Identity1380 Words   |  6 Pagesworld, globalization, the process of interaction and integration among people, is spreading rapidly (What Is Globalization?†). Historically, people have often identified in a collective way in order to associate with a group, culture, or individual (Miladinovic). However, nowadays, this form of identification cannot be used as people are changing the way with they identify with others, due to the considerable influence of globalization. Though typically used as an economic term, globalization is characterizedRead MoreIndustrial Revolution Essay example1 295 Words   |  6 Pagesgreatest moments in human history, as it gave rise to industrialization and the switch from manpower to machine power. It completely revolutionized the world and forever changed the course of humanity. However, many scholars and historians believe that the Industrial Revolution’s benefits didn’t outweigh the negative impacts it brought upon the world. I for one believe that the benefits brought upon by the Industrial Revolution justify the negative impacts it had on the world. Without the Industrial RevolutionRead MoreLatin American Culture Essay examples1050 Words   |  5 Pages As the author of our book states; the catholic church is an important pillar of these societies. Other important factors of Latin American culture are values and attitudes. As our author states, Cultural attitudes toward such factors as time, age, education, and status reflect these values and in turn shape the behavior of and opportunities available to internation al businesses operating in a given culture. In Latin American culture time is seeing as space. As the video shows, punctuality is

Monday, December 9, 2019

Premarital Sex Opinion Essay Example For Students

Premarital Sex Opinion Essay Premarital sex is a huge problem in society today. People everywhereare not waiting until they get married to have sex. People having sex todayare not aware of the consequences that come with having sex. They justthink it is fun and there are nothing other than fun comes with having sex. Some people tend to have a lot of sex. They say they do it for thesatisfaction. They believe sex is fun. It is perceived to be a great thingfrom the time one is young. Going to elementary school kids always talkedabout the day they were going to have sex. They looked forward to it. Wherethey got the idea that sex was such a great of hours. Hopefully people willbegin to look at everything they can lose from having sex before marriage. The same goes for those who can not be monogamous. People should holdthemselves to a higher standard. If people had more confidence I believethat they would feel they needed to have sex to impress people or to makepeople happy. Sex should be a result of love and should have more meaningthan it does to some people. The entire point is sex has before marriagehas consequences. There are many and Ive only touched based on a few. If Iwere to go over every reason that sex was wrong the list would never end. Our fathers understood that sex was a blessed experience made only formarried couples as a way to express their love and desire for each other. However, our youths today think of sex as a fun-thing; they have the beliefthat it is okay to have sex with who ever one is having a relationshipwith, and youths engage in several relationships before deciding to settledown. Yet, our fathers were right with their opinion about sex; sex shouldbe a blessed ordeal and not a fun thing. Youths should try and preservethemselves for marriage, but in a situation where a person cannot holdhimself he should then try and protect himself by using a condom because ofthe effect to get married and raise the baby together, but things dontalways turn out well after the marriage; these couples may not knowthemselves too well. In the event of the marriage they might find outdifferent sides of the opposite person that they dont like, and they mayfinally break up. This doesnt go to the betterment of the child eitherbecause he may end up being raised by a single parent and deprived of theother. All these dreadful things can be avoided by merely abstaining fromsex till one is married, but when the urge to have sex cannot be overcomethen the person involved should use a condom to protect himself.

Sunday, December 1, 2019

Types of Tress in Alaska

Introduction Alaska remains as one of the most ecologically diverse regions in the globe with key ecosystems that are highly sensitive to both natural and human interference.Advertising We will write a custom essay sample on Types of Tress in Alaska specifically for you for only $16.05 $11/page Learn More A closer look at Alaskan forests further reveals a region that holds diverse vegetation with highly varied geologic history and evolutionary progression. The main habitats in Alaska that harbor trees include the Boreal forest which sustains trees that can survive in temperatures that are as low as negative 30 degrees Celsius. Trees in this habitat are largely coniferous and evergreen during both winter and summer. Temperate conifers are further characterized by tall trees that grow to over 60 meters in height and last for over 500 years. This paper explores the key characteristics of different trees found in Alaska. White Spruce White Spruce which is bo tanically known as Picea glauca is an evergreen tree that belongs in the coniferous group. According to Tarpening and Tarpening (2010), this tree is generally medium-sized and reaches about 55 meters in height and generally asymmetrical with a conical crown. This shape has been cited as a critical survival strategy that reduces snow sticking tendencies on its leaves during winter. The plant further branches in a pattern that extends to the ground held by a bark that is smooth dark and scary. Legasy, Labelle-beadman and Chambers (1995) indicate that this tree is shallow-rooted with the tap root which only reaches a maximum of 300 meters depending on the type of soil. It is important to mention that the roots are associated with Mycorrhizae which are mainly used in fixation of nitrogen.Advertising Looking for essay on biology? Let's see if we can help you! Get your first paper with 15% OFF Learn More Birch Birch’s botanical name is Betula pendula and grows in the Northern temperate zones at latitudes of between 50 and 70 degrees. This tree is medium-sized and adapted to most cold regions. Leaves are simple in shape, petiolated and alternate in arrangement (Tarpening Tarpening, 2010). Branches and trunk are mainly gray and further split into several layers as the tree grows older. An important point to note is the direct visibility of lenticels that enable effective gaseous exchange even during winter. The tree produces differentiated male and female flowers. The male flower appears grouped into trios with two to four filaments while the female one holds 2-3 similar filaments (Legasy, Labelle-beadman Chambers, 1995). Aspen The botanical name for Aspen is Populus tremula. It has become to be widely known for its different uses. The tree is characteristically thin in its trunk and has white bark that is smooth and creamy. The leaves are round and measure about 3 to 6 centimeters with blunt margins (Legasy, Labelle-beadman Chambers, 1995). Th e petioles are flat and generally remain flexible at the base. Notably, the tree is generally thin and therefore less effective for heavy duty woody activities such as those exhibited by others like Birch and Cotton wood.Advertising We will write a custom essay sample on Types of Tress in Alaska specifically for you for only $16.05 $11/page Learn More Balsam Balsam’s botanical name is Abies balsamea. It remains as one of the key dominant species in Alaska. As a conifer, the tree is evergreen and typically grows to about 15 to 20 meters in height. The bark is largely grey with major resin blisters. Leaves are needle- like and flat to reduce snow accumulation. It grows to about 30 millimeters. Its leaves are arranged spirally but the leaves’ base are twisted to give the branches a flat shape (Tarpening Tarpening, 2010). From the above discussion, it is evident that trees in Alaska are specially adapted to the extreme cold climate with their leaves, bark and even reproductive cycle functioning in harmony during the various seasons. However, continued invasion by man of different species remains an important factor that makes further studies of Alaskan trees to be of great importance. References Legasy, K., Labelle-beadman, S. Chambers, B. (1995). Forest Plants of Northeastern Ontario. Ontario, Canada: Lone Pine Publishing. Tarpening, T. Tarpening, T. (2010). Alaska. Washington: Sage.Advertising Looking for essay on biology? Let's see if we can help you! Get your first paper with 15% OFF Learn More This essay on Types of Tress in Alaska was written and submitted by user Guillermo Larson to help you with your own studies. You are free to use it for research and reference purposes in order to write your own paper; however, you must cite it accordingly. You can donate your paper here.

Tuesday, November 26, 2019

From the Ostrich of the Mesozoic Era to Modern Birds

From the Ostrich of the Mesozoic Era to Modern Birds Youd think it would be an easy matter to tell the story of bird evolution- after all, it was the striking adaptations of finches on the Galapagos Islands that, in the 19th century, led Charles Darwin to formulate the theory of evolution. The fact is, though, that gaps in the geological record, differing interpretations of fossil remains, and the exact definition of the word bird have all prevented experts from coming to a consensus about the distant ancestry of our feathered friends. Still, most paleontologists agree on the broad outlines of the story, which goes as follows. The Birds of the Mesozoic Era Although its reputation as the first bird has been overblown, there are good reasons to consider Archaeopteryx the first animal to inhabit a place more on the bird than on the dinosaur end of the evolutionary spectrum. Dating from the late Jurassic period, about 150 million years ago, Archaeopteryx sported such avian features as feathers, wings, and a prominent beak, though it had some distinctly reptilian traits as well (including a long, bony tail, a flat breastbone, and three claws jutting out of each wing). Its not even certain that Archaeopteryx could fly for extended periods of time, though it would easily have fluttered from tree to tree. (Recently, researchers announced the discovery of another basal avilian, Aurornis, that predated Archaeopteryx by 10 million years; its unclear, though, if this was any more a true bird than Archaeopteryx was.) From whence did Archaeopteryx evolve? Heres where matters become a bit ambiguous. While its reasonable to assume that Archaeopteryx derived from small, bipedal dinosaurs (Compsognathus is often cited as a likely candidate, and then there are all those other basal avilians of the late Jurassic period), that doesnt necessarily mean that it lay at the root of the entire modern bird family. The fact is that evolution tends to repeat itself, and what we define as birds may have evolved multiple times during the Mesozoic Era- for example, its possible that two famous birds of the Cretaceous period, Ichthyornis and Confuciusornis, as well as the tiny, finch-like Iberomesornis, evolved independently from raptor or dino-bird forebears. But wait, things get even more confusing. Because of gaps in the fossil record, not only could birds have evolved multiple times during the Jurassic and Cretaceous periods, but they could also have de-evolved- that is, become secondarily flightless like modern ostriches, which we know descended from flying ancestors. Some paleontologists believe certain birds of the late Cretaceous, like Hesperornis and Gargantuavis, may have been secondarily flightless. And heres an even more dizzying idea: what if the small, feathered raptors and dino-birds of the age of dinosaurs were descended from birds, and not the other way around? A lot can happen in the space of tens of millions of years! (For example, modern birds have warm-blooded metabolisms; its entirely likely that small, feathered dinosaurs were warm-blooded as well.) Thunder Birds, Terror Birds, and the Demon Duck of Doom A few million years before the dinosaurs went extinct, they had pretty much disappeared from South America (which is a bit ironic, considering thats where the very first dinosaurs probably evolved, back in the late Triassic period). The evolutionary niches that had once been occupied by raptors and tyrannosaurs were quickly filled by large, flightless, carnivorous birds that preyed on smaller mammals and reptiles (not to mention other birds). These terror birds, as theyre called, were typified by genera like Phorusrhacos and the big-headed Andalgalornis and Kelenken, and prospered until a few million years ago (when a land bridge opened between North and South America and mammalian predators decimated the giant bird population). One genus of the terror bird, Titanis, managed to prosper in the southernmost reaches of North America; if it sounds familiar, thats because its the star of the horror novel The Flock.) South America wasnt the only continent to spawn a race of giant, predatory birds. The same thing happened about 30 million years later in similarly isolated Australia, as evidenced by Dromornis (Greek for running bird, even though it doesnt seem to have been particularly fast), some individuals of which attained heights of 10 feet and weights of 600 or 700 pounds. You might assume that Dromornis was a distant but direct relative of the modern Australian ostrich, but it seems to have been more closely related to ducks and geese. Dromornis appears to have gone extinct millions of years ago, but other, smaller thunder birds like Genyornis lasted well into early historical times until they were hunted to death by aboriginal human settlers. The most notorious of these flightless birds may be Bullockornis, not because it was particularly bigger or deadlier than Dromornis but because it has been given a particularly apt nickname: the Demon Duck of Doom. Rounding out the roster of giant, predatory birds is Aepyornis, which (wouldnt you know it) dominated another isolated ecosystem, the Indian Ocean island of Madagascar. Also known as the Elephant Bird, Aepyornis may have been the biggest bird of all time, weighing close to half a ton. Despite the legend that a full-grown Aepyornis could drag off a baby elephant, the fact is that this imposing bird was probably a vegetarian. A relatively late newcomer on the giant bird scene, Aepyornis evolved during the Pleistocene epoch and lasted well into historical times, until human settlers figured out that a single dead Aepyornis could feed a family of 12 for weeks! Victims of Civilization Although giant birds like Genyornis and Aepyornis were done in by early humans, most of the attention in this regard centers on three famous birds: the moas of New Zealand, the Dodo Bird of Mauritius (a small, remote island in the Indian Ocean), and the North American Passenger Pigeon. New Zealands moas formed a rich ecological community all by themselves: among them were the Giant Moa (Dinornis), the tallest bird in history at a height of 12 feet, the smaller Eastern Moa (Emeus), and assorted other picturesquely named genera such as the Heavy-Footed Moa (Pachyornis) and the Stout-Legged Moa (Euryapteryx). Unlike other flightless birds, which at least retained rudimentary stumps, moas completely lacked wings, and they seem to have been devoted vegetarians. You can figure out the rest for yourself: these gentle birds were completely unprepared for human settlers and didnt know enough to run away when threatened- the result being that the last moas went extinct about 500 years ago. (A similar fate befell a similar, but smaller, flightless bird, New Zealands Great Auk.) The Dodo Bird (genus name Raphus) wasnt nearly as big as the typical moa, but it evolved similar adaptations to its isolated island habitat. This small, plump, flightless, plant-eating bird led a pretty much care-free existence for hundreds of thousands of years until Portuguese traders discovered Mauritius in the 15th century. The Dodos that werent easily picked off by blunderbuss-wielding hunters were torn apart by (or succumbed to diseases carried by) the traders dogs and pigs, making them the poster birds for extinction down to the present day. Reading the above, you might get the mistaken impression that only fat, flightless birds can be hunted to extinction by humans. Nothing could be further from the truth, a case in point being the Passenger Pigeon (genus name Ectopistes, for wanderer.) This flying bird used to traverse the North American continent in flocks of literally billions of individuals, until overhunting (for food, sport, and pest control) rendered it extinct. The last known passenger pigeon died in 1914 at the Cincinnati Zoo, despite belated attempts at preservation.

Saturday, November 23, 2019

Habits and Traits of Braconid Wasps

Habits and Traits of Braconid Wasps Experienced gardeners love braconid wasps, the beneficial parasitoids that so visibly and effectively kill their despised tomato hornworms. Braconid wasps (family Braconidae) perform an important service by keeping pest insects under control.    Description Braconid wasps are an enormous group of rather tiny wasps that vary greatly in form, so dont expect to identify them accurately without the help of an expert. They rarely reach more than 15mm in length as adults. Some braconid wasps are inconspicuously marked, while others are brightly colored. Certain braconids even belong to Mà ¼llerian mimicry rings. Braconid wasps look similar to their close cousins, the ichneumonid wasps. Members of both families lack costal cells. They differ in having just one recurrent vein (2m-cu*), if present at all, and fused second and third tergites. Classification: Kingdom – AnimaliaPhylum – ArthropodaClass – InsectaOrder – HymenopteraFamily - Braconidae Diet: Most braconid wasps drink nectar as adults, and many show a preference for nectaring on flowers in the mustard and carrot plant families. As larvae, braconids consume their host organism. Certain subfamilies of braconid wasps specialize on particular groups of host insects. Some examples include: Aphidiinae – parasitoids of aphidsNeoneurinae – parasitoids of worker antsMicrogastrinae – parasitoids of caterpillarsOpiinae – parasitoids of fliesIchneutinae – parasitoids of sawflies and leaf-mining caterpillars Life Cycle: Like all members of the order Hymenoptera, braconid wasps undergo complete metamorphosis with four life stages: egg, larva, pupa, and adult. The adult female usually oviposits into or on the host organism, and the braconid wasp larva emerges ready to feed on the host. In some braconid species, like those that attack hornworm caterpillars, the larvae spin their cocoons in a group on the body of the host insect. Special Adaptations and Defenses: Braconid wasps carry the genes of polydnaviruses within their bodies. The virus replicates within the braconid wasp eggs as they develop within the mother. The virus doesnt harm the wasp, but when the egg is deposited into a host insect, the polydnavirus is activated. The virus prevents the host organisms blood cells from recognizing the parasitoid egg as a foreign intruder, enabling the braconid egg to hatch. Range and Distribution: The braconid wasp family is one of the largest insect families, and   includes over 40,000 species worldwide. They are widely distributed throughout the world, wherever their host organisms are present. * See Insect Wing Venation Diagram for more information on the recurrent vein. Sources: Bugs Rule: An Introduction to the World of Insects, by Whitney Cranshaw and Richard Redak.Borror and DeLongs Introduction to the Study of Insects, 7th Edition, by Charles A. Triplehorn and Norman F. Johnson.Encyclopedia of Entomology, 2nd Edition, edited by John L. Capinera.Family Braconidae – Braconid Wasps, Bugguide.net. Accessed online April 4, 2014.Parasitoid Wasps (Hymenoptera), University of Maryland Extension. Accessed online April 4, 2014.Braconidae, Tree of Life Web. Accessed online April 4, 2014.

Thursday, November 21, 2019

Transfer Wise Coursework Example | Topics and Well Written Essays - 250 words

Transfer Wise - Coursework Example For instance, Transfer wise would allow a user in Spain to have an access of his money which is being transferred from Britain without physically sending that money to Spain. This is by giving them a similar amount of money in Spain, whereby they swipe with another person in the United Kingdom (Engel, 2014, p. 173). This enables the users of the company to receive their money without paying the banking fees. However, the question to ask, is, if the services of the organization are legal?   The services of TransferWise are legal.  Ã‚     The evidence to this fact is when the Financial Regulator of the United Kingdom allowed the company to open offices in the country. The registration of the company occurred in England and Wales, and its registration number is 07209813 (Klein, 2014, p. 122).This is in accordance to the companies’ act of 2006, which mandates that every company operating in the country must have a registration. Furthermore, to avoid law suits, emanating from a breach of contract or misunderstanding, TransferWise makes it mandatory for the users of its services to agree with the policies of the company, before using its services. For instance, TransferWise recognizes the fact that someone may use the account of their customers without authorization.     To protect itself from lawsuits emanating from this situation, TransferWise has set a provision that it won’t be liable for any transactions that are conducted from the accounts of their consumers. TransferWise is also very concerned about the privacy of its users.

Tuesday, November 19, 2019

DB4 Essay Example | Topics and Well Written Essays - 750 words

DB4 - Essay Example The Crown had to look for new avenues for trade in order to expand the kingdom. He planned on reaching East Indies by sailing west, he under estimate the size of earth. Columbus travelled from Palos towards SouthWest in order to take advantage of the trade winds from the Canary Islands (Paine 1995). The bohemian globe showed that the Indies was on the same latitude as he was, travelling towards Cipangu (Modern day Japan). He assumed that the distance west to China was relatively short and neither he nor his crew would have imagined there was a continent in the way to stop him. For many across the globe, this is still considered as the biggest discovery in the world history, as a result of the discoveries of Christopher Columbus, Western Hemisphere of the world was changed forever and thus gave birth to the Western Civilization. America today is the world leader in international affairs, it would have been not possible if this discovery was not made, and this was one of the greatest turning points in the history. According to historians the natives who occupied the lands that were discovered by Columbus, did not have a rich culture like the Europeans. They were mostly hunters and had no rights over the land. They used to live naked and in an uncivilized manner, which was quite the opposite of the European civilized culture. They used to travel in search of food across the different areas of land. It should not be considered wrong if Columbus took their land to establish European colonies (Roysl 1999). In the opinion of native people, the discovery made by the Italian voyeur Christopher Columbus, wasn’t really a discovery in real. The native Indians have been living there for thousand of years. It was pure ignorance on the part of scholars of that era, who did not know a whole continent existed between Europe and Asia on the west. The discovery should not have been significant enough to become such a historic event in the history,

Sunday, November 17, 2019

Of Mice and Men Qu Essay Example for Free

Of Mice and Men Qu Essay Do you agree that Lennie is always incapable of taking responsibility for his actions? You should refer closely to Lennies words, to events and to the actions and opinions of other characters in your answer. Throughout the majority of the novel, Steinbeck demonstrates how Lennie relies on George to help him out of the dire, tense situations he brings upon himself. Steinbeck conveys this image of Lennie by producing this by frequent reoccurring events, Lennies actions or even implicit use of speech from or even directed at Lennie. At the opening section of the book, Steinbeck chooses to show us the large contrast between George and Lennie; he describes how Lennie flung himself down snorting into the water like a horse. The use of crude descriptive words such as flung or snorting suggests just how careless Lennie can be. This compares Lenny to an animal which instinctively lashes at the sight of something they want without thinking logically at all. And with this, the readers taste the first time at which how reliant Lennie is of George. Steinbeck chooses to have George say that Lennie will be sick like you was last night. By mentioning last night, the reader learns that Lennie must regularly make stupid mistakes like this. It is made very apparent how Lennie is unable to take responsibility for his actions when he crushes Curleys hand. Lennie was unable to understand the situation when Curley made a misunderstanding about Slim and his wife and Lennie continued smiling with delight on a completely different topic. This produces a juxtaposition image in the readers mind where at one side: Curley is steaming hot with anger as he whirled upon Carlson (the word whirled also suggests how he only gave Slim respect opposed to Carlson who he flipped into his old aggressive self again) and on the other, Lennie is grinning to himself like an idiot. The fact that Steinbeck chooses to have Lennie fantasize whilst a loud commotion is going on nearby shows just how little awareness and sense Lennie has altogether. And this is what leads into the fight. When Lennie is being attacked, he has no intuition to make a decision on what to do so once again he looked helplessly at George. The word helplessly really emphasises just how incapable Lennie is like a baby animal or lamb for instance when he gets himself into trouble like this. He bleated with terror implying that even with the strength Lennie possesses, he is unable to analyse the situation to take responsibility of the problem he has gotten himself into. The words bleated and terror really create an atmosphere as if Lennie like a baby lamb has been corned by a wolf. This is done by using the onomatopoeia bleat so you can almost here how distressed and vulnerable Lennie is at this stage. All he can do is use his animal like instincts and retreat and defend with his huge paws. The reference to paws may also hint to us what is about to come however it may have several connotations; a bear is a shy beast and doesnt want attention, however if a situation of danger arises, it can be extremely vicious and protective just like Lennie becomes when George tells him to get him. On the other hand, paws may refer to another weaker animal such as the paws of a puppy that Lennie was so infatuated about. This can symbolize how weak and inexperienced Lennie is since he is also new to this aggression he is receiving likewise to a new born pup is to the world. At this stage, Slim sees how vulnerable and useless he is and jumped up to help. The impact the moment is causing on the other workers watching is shown to be so big that the respected Slim is even shaken conveyed by jumped up. It shows how emotions inside Slim were building up until they finally jumped out of him in an explosion. Steinbeck does this to show how useless Lennie can be in these situations so that even people around him who have known him for a few hours understand how dependent he is. However, Lennie with Georges guidance was able to do something however his actions shows the reader once again just how unintentionally irresponsible he can be. At first the description of Lennies attack is just that Curleys fist was lost in Lennies big hand. It isnt very dramatic at this point and just seems like Lennie stops Curley from attacking him. For example, it could of been described using dramatic words such as: Curleys hand was absolutely crushed causing him to scream with agony however it uses the word disappear to relieve all the tension that may of built up; this may be done to cause a greater impact later on. The speech that follows explains how the situation was worsening. George tells Lennie to leggo of him but all Lennie could do was watch in terror which shows how shaken up he is so that he cant even respond. Even with George who slapped him in the face again and again, Lennie was still unresponsive. By slapping him George hoped to achieve a respond which would normally happen to anyone however it shows that Lennie was undergoing a mental difficulty insde. The way Steinbeck describes George having to give multiple signals again and again like slapping or verbal commands show how incapable Lennie was. When Lennie finally finishes he doesnt seem to even understand what hes done. He doesnt even look at the shrunken Curley and immediately talks to George miserably. At this point Slim had regarded Lennie with horror showing how his opinion of him being a nice fella had turned so very quickly. By having Slim- a very high respected figure looking at Lennie with this horror, Steinbeck causes the readers to truly understand how dangerous and uncontrollable he is. Lennies only concern here was probably mainly whether or not he could tend to the rabbits so he was apologizing to George. He even asks George at the end of the section whether he can still tend the rabbits which once again shows us how unaware of the situation he really is and this requires George to look into their greater concern- whether they will get canned now. This shows that even though Lennie is not prioritized correctly, George once again desperately tries to fix the damage thats been done which suggests how many times this may of happened in the past. Steinbeck just repeatedly reinforces the strong idea of what Lennie is like and how George has to bail him out time and time again. It states how Slim smiled wryly and instantly the world wryly shows how Slim is going to take responsibility and deal with Curley in a slightly devious, corrupt method so that George and Lennie wont get sacked. After Lennie killed the puppy in section 5, his initial fears was once again the rabbits. And after he causes the death of Curleys wife, his fears remained the same. At that point, he pawed up the hay until it partly covered her and left for the place where George told him to go if anything wrong happened. The fact that Lennie crudely leaves the body openly partly hidden in the barn shows how little concern he has for the bigger picture. The way Lennie only partly hides the corpse shows what little concern he has almost to the extent where it becomes ridiculous as all he can think of is go to the rendezvous part and have George help him yet again. Up until the beginning of section 6, Lennie has acted irresponsibly and ironically, he begins to think accordingly to the situation only when it is too late. Opposed to how he flung himself around in section 1, Lennie went through the bushes to the meeting place as silently as a creeping bear moves. He also drank, barely touching his lips to the water opposed to how he was snorting it like a horse. Steinbeck uses the same location to create a strong contrast between the juxtaposition used here. As he crept silently and drank barely touching the water, these two words emphasise how carefully he is acting. Steinbeck deliberately does this to emphasise how late it is for him to be responsible and coordinated. And even so, it is George once again who has to take the real responsibility to shoot him.

Thursday, November 14, 2019

The Joys of Planning a Wedding Essay -- Wedding Planners Marriage Essa

The Joys of Planning a Wedding The verdict is in - I will only get married once. I’ve always felt that in my heart, but the experience of planning my wedding removed any doubts that I may have had. The process of planning a wedding is so extensive and involved that once the process has started, there is no turning back. You will be completely absorbed in the ins and outs of the entire day from that point forward. While the main focal point should be the actual ceremony uniting the man and woman, that is rarely the case. There are so many details to work out from the color scheme to the reception menu that you have no option but to stay completely focused. Anyone that has been involved in planning a wedding before will tell you that once you get the â€Å"big four† out of the way you’re almost home free. The â€Å"big four† in the wedding planning world are: deciding where the ceremony will be held, choosing a reception venue, deciding which dresses will be worn, and planning the ho neymoon. Deciding where the ceremony will be held is one of the first things you need to do when planning a wedding. You need to decide first and foremost whether or not you want a church wedding. If you are a member of a particular church, your first instinct will be to hold the wedding at your church. You have to be certain that the church will be able to accommodate the number of guests you’ll be inviting to attend. Does the church have any specific rules against music or decorations? You do...

Tuesday, November 12, 2019

Employee Relationship Management

Employee Relationship Management Assignment – 1 Trade Union In Jharkhand Jharkhand Krantikaari Mazdoor Union – JKMU Submitted by P. Lokeshwari S. Shahana Devi Jharkhand Krantikaari Mazdoor Union In July  JKMU  organised a union of 220 contract workers in a newly established private steel factory owned by Electro Steel Casting Ltd. 40 kms from Bokaro. All 500 workers employed in the plant are local workers. 100 workers’ services were terminated for participating in union formation activities. JKMU  organised a dharna and blockades with the help of local villagers and forced management to reinstate all workers.The Deputy Labour Commissioner also put pressure on management to take back the workers or else the factory license would be cancelled. The newly formed union held meetings with the  ALC  on 2nd & 10th July and submitted demand notice to management. In April-May in Bokaro Power Supply Co. Pvt. Ltd. (a joint venture between  SAIL  and  DVC)   JKMU  has a union of 500 contract workers. There are multiple unions in the plant, but the  JKMU  union members in the helper category who had been struggling for a year for implementation of minimum wages and other benefits finally boycotted payment for 10 days.The action ended with implementation of their demands by the contractor and payment of minimum wages was done in the presence of management and union representatives. The Jharkhand Krantikaari Mazdoor Union (JKMU) has been struggling for many years demanding permanent status for all workers on contract in perennial jobs in the Bokaro Steel Plant. The  JKMU  has been made a member of the Jharkhand State Contract Labour Advisory Board and the Jharkhand State Engineering Industries Wage Board. This is a rare incident as it is usually accepted that only central trade unions are made members of such state level boards.More than 90% of contract workers in the power sector are today members of  JKMU. Recent Struggles : 1. In Bokaro steel plant, contract and casual workers are not given quarters and had been living in slums. High Court has now given orders for encroachment, which would then lead to the demolition of these structures. SP and other district officials were gheraoed by workers. JKMU  had given a strike notice in 16-17 May 2011. Meetings were held everywhere and contract workers were mobilised in huge numbers. An application was also submitted simultaneously to the Regional Labour Commissioner (RLC) for rehabilitation of these workers.RLC  asked for quarters to be built and management finally accepted the demands for building permanent structures. 2. In July 2009  JKMU  organised a union of 220 contract workers in a newly established private steel factory owned by Electro Steel Casting Ltd. In this unit 100 workers were terminated for participating in union activities. JKMU  organised a dharna and several blockades with the help of local villagers and forced the management to reinstate all workers. The union could also force the Deputy Labour Commissioner exercise his power on the management to reinstate the workers with the threat to cancel the factory license.

Sunday, November 10, 2019

Lion Capital and Blackstone Essay

Question 1: Why would Lion do a deal with Blackstone? Why would Blackstone do one  with Lion? What does each risk? What can each gain? Lion and Blackstone are joining together to leverage industry expertise and financing power. Lion has a strong understanding of consumer-focused brands and using proprietary deals to turn an existing medium-sized player into a larger busines by using it as a platform for acquisitions. Examples of such deals include Weetabix and Jimmy Choo. Blackstone has the power to bring very large financing into a deal, capable of investing up to $1 billion in a company, while also having an international presence, bringing synergies across borders. However, this partnership also brings in a lagging pace in closing deals and public visibility and scrutiny. Lion typically moves quickly on deals, and already has decided ahead of Blackstone on timing and price. Blackstone, however, still needs to conduct due diligence and have the deal reviewed by the investment committee.  Moreover, Lion’s partnership with Blackstone brings it into the Financial Times’ front page and pressures it further to perform. Question 2: Is Orangina a good deal? It seems that Lion and Blackstone are paying a pretty full price; what angle might the Blackstone-Lion consortium have found to justify it? Yes, Orangina is a good deal, for its brand power, its resilience, its financing-friendly nature, and its operating and distribution network in France and Spain. Orangina has iconic brands that are well known in France and Spain, and it commands a strong presence in its niche without intruding on the soft drink space of brands such as Coca Cola. It can be levered easily, as it is in a defensive sector, has strong cash flows, and with tangible assets that can be claimed. Despite being undermanaged, it continued to perform well in bad times, indicating that it has a working operating infrastructure and does not depend on a personality to guide the business. Moreover, the team has a good understanding and fit with the company. Javier Ferrà ¡n of Lion, a Spanish national who speaks French, is well suited to understand a company with operations concentrated in Spain and France, and is also ideal for his past experience in the soft drinks sector. Question 3: Based on the information provided in the case, how would you value Orangina? We will NOT value the company based on any discount cash flow model, including LBO valuation or APV model, as we are dealing with a private company, whose beta and future capital structure are unfeasible to estimate.  Private companies have no estimable beta, since they are not publicly traded and are illiquid – their value does not move in any direction with respect to the market. There are also no strong barriers to entry in a soft drink market, so terminal growth also can’t be easily estimated. However, we can first attempt a simple Venture Capital valuation model to get a quick ballpark for our valuation. We find that a reasonable equity valuation for a private equity buyer lies between $900 million and $1.9 billion. This implies an equity valuation between 760 million euros and 1.6 billion euros. With plans to place 900 million euros of debt, Orangina can be priced at 1.7 billion euros to 2.5 billion euros. We can assume that the 1.85 billion euro valuation of Blackstone and Lion is quite reasonable. Question 4: What is the best deal approach? The team needs to make a bid that will make them one of the trusted and approved buyer candidates immediately, even with the risk of overpaying. They need to become one of the groups with access to the Orangina management team and their advisors, and begin asking the questions they need answered on the company – such as the implementation of a stable management team in a time of a high management turnover, the ability to grow in the food channel or obtain higher bidding power in the out of food channel, and a turnaround strategy for France. Given that Blackstone and Lion have a special edge that Lion’s team understands the sector, the business, and the geography well, they should be willing to pay up front in the early auctions, so that they can eliminate strategic buyers such as Pepsi, while also discouraging other financial buyers who don’t have the same level of understanding, edge, or angle on  this sector. Once the likelihood of a deal is strong enough, Blackstone and Lion can begin negotiating a definitive merger agreement with prices and terms that are a bit more suitable and fair for it. However, the current priority should be to get into the buy and cut others out as soon as possible.

Thursday, November 7, 2019

Freud’s Psychosexual Stages Essay Research Paper Example

Freud’s Psychosexual Stages Essay Research Paper Example Freud’s Psychosexual Stages Essay Paper Freud’s Psychosexual Stages Essay Paper The theory of psychosexual development describes how personality develops throughout our childhood and our experiences during childhood. This theory was developed by Freud. and is good known to the universe of psychological science. Even though it is good known it is besides considered one of the most controversial theories. Freud developed this theory in which there are five different phases. Phase one is considered the unwritten phase. This phase starts at the birth of the kid and ends when the kid turns one. During this phase the infant gets the bulk of their interactions through their oral cavity. The rooting and suction physiological reactions are really of import during this phase because their oral cavities are critical for eating. Most if non all babies derive pleasance from unwritten stimulation through satisfying activities such as tasting and suction. During this phase the kid develops a sense of trust and comfort because the caretaker/parents are responsible for eatings. The primary struggle during this phase is seeking to ablactate the kid off because the kid has to go less dependent of the caretaker/parent. : Phase two is the anal phase. This phase begins when the kid turns one and ends one time the kid is three old ages old. Freud believes that during this phase the primary focal point of the libido is to larn to command vesica and intestine motions. The major struggle of this phase is toilet preparation because he child must larn to command his/her bodily demands. Once the kid has developed such control they get a sense of achievement and independency. But. success at this phase is dependent upon the parents approach to potty preparation and this phase is more successful when congratulationss and wagess are given. Stage three s the phallic phase and the erogenous zone is the genital. This phase begins one time the kid turns three and ends one time the kid turns six old ages old. During the phallic phase the libidos primary focal point is the genitalias. It’s at this age that kids begin to detect the difference between males and females. Freud believes that male childs. in this phase. get down to see their male parent as a challenger for their mother’s fondness. The Oedipus complex describes the feelings that Freud says the male childs go through during this phase. These male childs besides fear they will be punished by their male parents so Freud termed this fright emasculation anxiousness. Stage four is considered the laten period. This phase occurs from the age six to puberty. During this phase the involvement of the libido are suppressed. The development of the child’s self-importance and superego contribute to this period of composure. This phase begins merely around the clip that kids are get downing school and are going more concerned with peer relationships. avocations. and other involvements. This phase is really of import to the development of societal. communicating accomplishments. and self assurance. Stage five of the psychosexual development theory is the venereal phase. The erogenous zone of this phase is maturating sexual involvement. This is the concluding phase of psychosexual s=development. and during this phase the single develops a strong sexual involvement in the opposite sex. This phase will merely stop one time person dies. During this phase the involvement and public assistance of others grows. The end of this phase is to set up a balance between assorted countries of life. After analyzing this theory. I now see why it is one of the most controversial theories. This theory topographic points much of its focal point on males an really rarely references the development of females. Freud’s theories can besides be really hard to prove ; for illustration. constructs that Freud uses such as the libido can non be tested and are impossible to mensurate. New research being done frequently discredits Freud’s work. Freud’s anticipations are besides really obscure. and is based upon instance surveies about grownup patients and their remembrances of their childhood non existent observation and survey of kids.

Tuesday, November 5, 2019

Definition of Dramaturgical Perspective

Definition of Dramaturgical Perspective When William Shakespeare declared All the worlds a stage and all the men and women merely  players, he may have been on to something. The dramaturgical perspective was developed primarily by Erving Goffman, who used a theatrical metaphor of stage, actors, and audience to observe and analyze the intricacies of social interaction. From this perspective, the self is made up of the various parts that people play, and a key goal of social actors is to present their various selves in ways that create and sustain particular impressions to their different audiences. This perspective isnt meant to analyze the cause of behavior just its context.   Impression Management Dramaturgical perspective is sometimes called impression management because part of playing a role for others is to control the impression they have of you. Each persons performance has a specific goal in mind. This is true no matter what stage the person or actor is on at any given time. Each actor prepares for their roles. Stages   The dramaturgical perspective assumes that our personalities are not static but change to suit the situation we are in. Goffman applied the language of the theater to this sociological perspective in order for it to be more easily understood. An important example of this is the concept of front and back stage when it comes to personality. Front stage refers to actions that are observed by others. An actor on a stage is playing a certain role and expected to act in a certain way but backstage the actor becomes someone else. An example of a front stage would be the difference between how one would behave in a business meeting versus how one behaves at home with family. When Goffman refers to backstage means is how people act when they are relaxed or unobserved.   Goffman uses the term off stage or outside to mean situations where the actor is, or assume their actions are, unobserved. A moment alone would be considered outside.   Applying the Perspective The study of social justice movements is a good place to apply the dramaturgical perspective. People generally have somewhat defined roles and there is a central goal. There are clear protagonist and antagonist roles in all social justice movements. Characters further their plot. There is a clear difference between the front and backstage. Many customer service roles share similarities to social justice moments. People are all working within defined roles to complete  a task. The perspective can be applied to how groups like activists and hospitality employees. Criticism of Dramaturgical Perspective   Some have argued that the Dramaturgical perspective should only be applied to institutions rather than individuals. The perspective wasnt tested on individuals and some feel that testing must be done before the perspective  can be applied.   Others feel the perspective lacks merit because it doesnt further sociologies goal of understanding behavior. Its seen as more of a description of interaction than an explanation of it.

Sunday, November 3, 2019

Global Challenges Essay Example | Topics and Well Written Essays - 500 words

Global Challenges - Essay Example he last two decades or so and one can see roads being built, businesses getting their offshore hubs within the South Asian country and new organizations opening their offices every now and then, which at the end of the day has really boosted the economic developments within India. Piracy of intellectual property has remained a problem as far as the economic and political ranks are concerned and when the same is compared with the US regimes, one understands that the US authorities have taken giant and firm strides to counter the threat that poses them in the related regards. Considering the case of another nation, Pakistan for instance, the same might not be true when it comes to proper planning and implementation of policies which would plug the gaps as far as piracy of intellectual property is linked. There would be inadequate working methodologies in place and no such genuine force to combat the force that comes from the pirate institutions that are on rampage whilst coming up with their respective products on a day to day basis, thus ruining the economic and political domains present within the country. The seriousness of this issue could be gauged from the fact that US is taking all the corrective measures in order to fill the gap which has been left with the other nations all over the world while the remaining countries have a lot of catching up to do as far as this notion is concerned. Indian economy has not only benefited from the outsourcing regimes but also the US, Japan and European economies with the passage of time. The availability of cheap labor and the required resources within the Indian nation make it a viable option for the US business entrepreneurs and thus they invest heavily within this nation. It means that the manufacturing and economic developments within India are direct proportional with the US developments and thus the returns are manifolds and are shared across a number of different countries, regions and areas for that matter. The

Thursday, October 31, 2019

Conserving Soil Quality On Farms In Hawaii Research Paper

Conserving Soil Quality On Farms In Hawaii - Research Paper Example By the time measurable damage to the soil quality has occurred, crop yield may already be irrecoverably failing (Stocking, 2003). This relationship can even hold true in areas that with volcanically-enriched soil such as the tropical islands of the state of Hawai'i. To understand soil conservation for farming in Hawai'i, the first step is to understand the background of soil quality conservation, with a focus on the issues specific to the tropical islands. Only then can workable solutions be found and analyzed for suitability to the specific situation found on the Hawai'ian islands. A clear definition of soil quality is necessary for a conservation project to be undertaken. Unless soil quality is clearly and definitively described, it is impossible for researchers to design tests and measurements to study the current state of the soil quality. However, soil quality has proven a very difficult concept to define, especially as soil quality has so many different parameters in many diffe rent spheres of scientific study. Defining soil quality as a term is not the same as defining other widespread environmental terminology such as air quality or water quality. This is due to the fact that air quality or water quality are not based on the usage of the material or its relationship relative to a â€Å"natural† state, but merely on the lack of specific pollutants or on the levels of such pollutants (Sojka & Upchurch, 1999). Since pure soil cannot exist by definition, and clean soil varies dependent on location, pollutants within soil can be limited only to specific non-natural products, such as industrial wastes or household chemicals (Cowan & Talaro, 2006). Soil quality, on the other hand, is determined by the soil's ability to support certain usage and by healthy levels of bacterial, animal, and plant life (Sojka & Upchurch,1999). Measuring soil quality in tropical regions, on the other hand, is simplified because of the reduction in the number of related variab les. Many attributes of topsoil quality in tropical regions of the world, including Hawai'i, are quantitative and measurable. Assuming those conditions to be true, soil quality can then be measured using a fertility capability soil classification system (Sanchez, Palm, and Buol, 2003). Other single-attribute measurements of soil quality are such concerns as soil compactability or erodibility based on location or use, but the fertility classification most affects the ability of the soil to support intensive crop farming, which is the concern of this review (Parr et al., 1992). The fertility capability classification systems are not without their faults, but they provides a starting point for measuring the success of a given conservation program by providing a quantitative standard. A measurement that makes use of this system would be comparable to future measurements under the same system, allowing a researcher to compare numerically the success of the method under study (Sanchez, Pa lm, & Buol, 2003). Soil systems in tropical regions tend to be extremely dynamic, changing rapidly over short periods of time. Within these systems, soil quality may vary widely from location to location even between patches of soil in the same forest (Parr et al., 1992; Stocking, 2003). In such a dynamic system, nutrients rarely have time to accumulate in the tropical

Tuesday, October 29, 2019

Marketing Challenges of Walker and Company Essay

Marketing Challenges of Walker and Company - Essay Example In addition, the company has scattered its business to the publication of several topics, which cost lots of time and money. Moreover, the multiplicity of topics was not productive; rather, it was putting the profit margin into grave jeopardy. Efforts, being made in the wrong direction due to inadequate strategic plan, kept the company away from turning into a multinational brand even it had been working in multiple disciplines. The new president called an urgent meeting of the board of directors and decided to cut short the expenses for keeping the ball of the publishing business rolling. It was also announced at the meeting that the list of topics being published through its platform must be shortened in order to broaden the concentration of limited material for the extension of the business ventures. Though it helped the company come out of problems, yet the destination appeared to be far from the present state of affairs. As a consultant of the company, it is my obligation to point out the weak areas of the company as well as indicate the aspects that could generate profit for the company, so that it could come out of financial embarrassments on the one hand, and could make sound progress with the passage of time on the other. The purpose of the present study includes the exploration of various business avenues and internal operational methodology in order to run the business affairs of the company on smooth track. I have worked on Ramsey’s profit plan for children book line, on the basis of financial measures including trend analysis, annual sales growth, profit percentage, average unit sales, return-on-assets, ROI and operating expenses in order to escape low-profit volume for the future years to come. I also intend to present some suggestions regarding the topics that are most important in market point of view. In addition, I strongly recommend the sorting out of the profit and loss volume o f every material, so that the most profitable items could be focused upon.

Sunday, October 27, 2019

Exploring Legal Professional And Ethical Issues In Bathing Nursing Essay

Exploring Legal Professional And Ethical Issues In Bathing Nursing Essay Introduction In this assignment I will be exploring the legal, professional and ethical issues involved in bed bathing a patient/client in a hospital setting. I will be reflecting on a personal experience, experience during a seven week placement on a diabetic ward. I have decided to use a reflective cycle which is an adaptation from Gibbs (1988) model.This reflection has provided a systematic approach to my learning and to my nursing practice. Within this essay I intend to discuss approaches to assessing, planning, implementing and evaluating care. Heron (1977) refers to the process of reflecting as a conscious use of the self. Once one becomes consciously aware of their actions, it is easer to recognise the reason for doing them in the first instance. The first stage of this process is to acknowledge our actions by reflecting we reveal to our selves how we act, such actions are spontaneous and without forethought attention. To maintain my clients autonomy I am unable to disclose any client information, accordingly I have given my client the name Mrs Jones this is to protect and respect my clients confidentiality as stated by the NMC Code of Professional Conduct. Gibbs model of reflection (1988)DescriptionDuring any clients admission stage an assessment on the clients skin care regime is made, this takes into account the clients personal preferences, the level of function the client may have to provide self-care and the amount of assistance required to promote optimal hygiene procedures in the form of bed baths, in respect of encouraging independence. The reason why we bed bath clients is to promote personal hygiene and to give them a sense of well-being it also maintain intact skin i.e. prevention of pressure sours. Bed bathing allows the caregivers to monitor changes in the clients skin condition. (Staff Nurse, during placement)It was approximately 07:45 Friday morning of mid June, three weeks into my placement. After handover I was given the task of bed bathing a female client. Mrs Jones, what I learned about Mrs Jones in handover was very brief. She was admitted to hospital as she was suffering shortness of breath, she had been suffering from Parkinsons disease for ten years, she also had a catheter instituted, she had very little control of the lower half of her body, her right shoulder was dislocated and she was MRSA+. Mrs Jones took part in a trial drug many years ago this was to help her control her Parkinsons disease coming off the drug became impossible and as a result Mr Jones is reliant on this drug, this drug was referred to as apple morphine on the ward. The basic bed bathing equipment I required was one bath towel, one hand towel, several disposable swipes, clean bed linen, (2 x sheets) laundry bags, (in this case red bags as the client is MRSA+) a slide sheet, small yellow bag for clinical waste, pad and incontinence sheet, bowl of warm water and a set of pyjamas and or gown all provided by the hospital. The client had acquired her own personal toiletries before admission this consisted of a bar of soap, shower gel, talcum powder, perfume, two flannels, (one for the upper part of the torso and the other for the lower half) moisturiser, a comb, dentures pot, tooth brush and tooth past. In addition to this the client required saline solution, disposable wipes, new dressing cut to size and tape and a yellow clinical waste bag for the disposal of old dressings. Myself and Claire the Auxiliary Nurse who I was paired with to work alongside put on our protective disposable gloves and red aprons on after collection the supplies from the linen room. I greeted Mrs Jones and introduced myself and Claire. Morning Mrs Jones, how are you this morning? She replied Oh, hello, I could be better I continued my name is Sharon (as this was easier for people to pronounce, after consulting Sister) Im a student nurse and Im going to be looking after you today, and Im Claire, and Im also going to be looking after you today too. I continued can we help you to get ready for breakfast? Yes please, Replied Mrs Jones. Before we began we asked if Mrs Jones if she had any objections to either me or Claire giving her a bed bath, as she looked apprehensive, she replied that this would be fine. We also asked if she had any pain and how her night was, she stated that she was in pain quite a bit but that it was normal for her at this time in the morning. She also stated t hat her night was awful, as patients in the next bay kept her awake most of the night. Myself and Claire consulted the staff nurse about Mrs Jones pain, the staff nurse spoke to Mrs Jones about her medication and said that it was not due until 8:30 and so we were asked to continue as long as the Mrs Jones was happy for us to do so. Mrs Jones replied if that was the case there was nothing she could do other than for me and Claire to continue. We explained the procedure to Mrs Jones and gain her consent she allowed us to obtain any necessary toiletries from her draws whilst I did this Claire prepared a bowl of warm water. I removed Mrs Joness personal belongings from the table and placed them in the draws for safe keeping. I wipe over the table with an alcohol wipe to sanitize the surface and place on there the necessary items we would need to give Mrs Jones a bed bath. We draw the curtains closed to maintain Mrs Joness privacy and dignity at all times. Before we began I asked Mrs Jones if she would like to use a bed pan before we continued any further. She informed us that it was probably too late and she felt she had already made a mess. We reassured her that everything was alright and we would help to get her cleaned up as quickly as possible. Mrs Jones apologised a number of time and started to get upset. We again tried to reassure her again and clam her down, we in forced the reason that we were there and that was to help her in any way to see that she is alright. She agreed with us and asked us to continue. We raised the bed to the appropriate height to avoid putting undue strain on our backs, whilst I did this Claire emptied Mr Jones Catheter and placed the bag on the bed. We decided to place a sliding sheet under the client to assist us in rolling the client. I took the liberty of explaining the procedure to Mr Jones as we carried out the task. I asked if it was possible for her to roll on her right side as I was aware the Mrs Jones right shoulder was dislocated, she insisted that this was fine as it had been seen by the doctors and nothing could be done about it and insisted that she had rolled on it sever times before. We assisted Mrs Jones in removing her night gown, we freed her left arm first then her over her head and then gently freeing her right arm avoiding injuring her arm any further, to maintain Mrs Jones dignity we placed a large bath towel over her covering her private areas. I helped Mrs Jones to bend her left leg and asked her to hold on to the cot side with her left h and. I placed my right hand on the left side of Mrs Joness waist and my arm across her left leg to provide added support. I placed my left hand on her left upper back. Claire had prepared the slide sheet, clean linen sheet and an incontinence sheet to go under her. On the instruction ready steady (then the manoeuvre intended, in this case it was) roll, we all assisted in rolling. Claire placed one of her hands on Mrs Joness back to provide added support and prevent her from rolling back. Claire folded the old linen in to its self, to as far as it would go until it reached Mrs Jones. Claire placed the clean slide sheet, linen sheet and incontinence sheet already folded in preparation under the old linen sheet. On Claire say so we rolled Mrs Jones on to her back, Claire were rolling you over a slight bump now, ready steady roll. To roll Mrs Jones on to her other side me and Claire switched roles and this time Mrs Jones was holding on to right side of the cot side but with her left han d. I removed the old linen and placed it inside the red linen bags. I took the liberty of cleaning Mrs Jones with her permission. I used a damp disposable wipe which Clair handed over to me and wiped away from the genital area, I placed the soiled wipe on the soiled incontinence sheet I continued doing this until the are was clean, once this was clean I washed the area with soap and water. I folded the soiled incontinence sheet into its self and disposed of it in the yellow clinical waste bag. I took this opportunity to wash Mr Joness back, neck and the backs of her legs with soap and water, I then wash off the soap and dried. I straightened out the clean slide sheet, linen sheet and the incontinence sheet and then Mrs Jones lied on her back. After a few minute, I placed the hand towel over the clients chest and with her permission began to wash her face at the clients request I used water only on the face. I used separate wipes for each eye to prevent any cross contamination and a separate wipe for the rest of the face and then dried. Whilst I was doing this Claire began to wash Mrs Joness hands with soup and water after gaining permission to do so, Claire continued down the arms and rinsed off, whilst I dried the hands and arms Claire continued to wash the clients chest. Claire removed the dressing from around the tube of the catheter and disposed of it and her gloves in the clinical waste bag, she then went to wash her hands. When Claire retuned she had a fresh pair of gloves on she began to cleanse the skin from the tube outwards and then dried the area, she decided not to reapply another dressing as she felt it was not required but did tape down the tube to Mrs Joness stomach to prevent it from dislodging. Claire car ried on washing and rinsing Mrs Jones (Underarms, stomach, waste, genital area, (working outward to prevent infection) legs and feet) and I dried following Claire as she washed. The water that we used was kept clean at all times, as the used deposable wipes were not re-entered into the bowl. Whilst carrying out the bed bath myself and Claire assessed the Mrs Joness skin condition for any sours or broken skin. We applied talc to those areas Mrs Jones requested and then helped her to dress. We put the right arm in the nightgown first as this was her bad arm then subsequently her neck and left arm, there was no need to lower the nightgown much as this was a hospital nightgown with an open lower half, we then placed a linen sheet and blanket over her to keep her warm at Mrs Joness request. We raised the head of the bed to a seated position so that Mrs Jones was sitting upright. As I attended to Mrs Joness oral hygiene Claire combed Mr Jones hear to her particular style. I then started t o tidy and clean the area and Claire began to document and update the care plan. Once I had cleaned and sanitised the table I replace Mrs Joness belonging on the table and placed the table close to her so everything she may need was of reach. FeelingsIn reflection to the incident at the time I felt as though everything went fine, but as I have had the opportunity to reflect on my experience in much more depth and detail I in writing this essay I felt as though I took the lead but only because I was given the opportunity to do so. Claire was fairly new to working as an Auxiliary Nurse and was somewhat inexperienced as this was the only ward she had worked on she had more knowledge of the ward setting and the type of conditions people are admitted with on the ward. I was quite confident in assisting in a bed bath of a client as I have worked in providing personal care to all type of client for a good few years now and believe that my experience as a Health Care Assistance helped me immensely. My uncertainty was of the clients abilities and reactions to what we were actually doing it, thats when I decided to talk to the client and guild her through what we were doing. The thoughts in my head at the time were that the client may not have experience the type of bed bath that we were performing and may have not been something she was used to. I felt calm but a little apprehensive due to this but could find the words at the time to ask her if this was the way her carers would normally perform a bed bath. It is important to remain professional at all times and make sure the client didnt feel too uncomfortable. I remember feeling somewhat responsible for the client as I was looking after her. I believe I acted in the best interest of my client and have acted in such a manner set out by the NMC Code of Professional Conduct. I felt that it would have been better for the staff nurse on duty to explain to the client in much more depth, why it was not possible to administer the drugs at the time of the clients request rather than just to say its not the right time and the drug round starts at 8:30. Although my client had told me the truth about her dislocated shoulder had been seen by the doctors and that it was safe to manoeuvre on as long as it was comfortable it was my responsibility to seek professional advice because of my uncertainty at the time. If for any reason had this not have been the truth there may have been serious repercussions. I dont think I would have known what to do if her condition had worsened due to the manoeuvre. The steps forward build on the steps backwards or sideways. They are also the steps necessary for self-reflecting from this statement emphasised by Tschudin (1999) I able to understand that confidence in the self is quite an important quality to be have in order to acknowledge setbacks and mistakes, your should be able to learn from them and even see them as part of the overall picture. EvaluationI have grater knowledge of such issues that can arise if set guideline, policies and procedures are not followed. There are very few bad points that had taken place during this reflective experience. I believe it is important to involve the client in decision making which I failed to illustrate wherever possible this was when we redressed the client after bed bathing without involving the client and allowing the client to choose. We all have a professional responsibility to provide care to all patients/clients to the highest possible standards of care that will not be compromised by infections standard set out by the NMC Code of Professional Conduct. I acknowledged limitations set out by the NMC Code of Professional Conduct, in that my knowledge and experience of the drugs on the ward was very limited and therefore I acquired help from a qualified member of staff. You must behave in a way that upholds the reputation of the professions outlined by the NMC Code of Professional Conduct this was maintain throughout the whole experience as I never spoke over the client nor did I ignore the client I showed the client up most respect. I was able to build a level of trust with theMy experience of working as a Health Care Assistance for and agency has enabled me to perform better in such conditions. By planning and discussing with the care team during handover and then with the patient about what our intentions are, what we are going to do and why, I was able to identify and minimise risks to the client. Seeing the way in which others behave or make mistakes allowed me to reflect on the point of view of others and to learn form them help me build on my knowledge. AnalysisI chose this experience as it is a procedure that I am quite confident with performing. Thiroux (1995) created his own set of principles of ethics, which can be applied to any situation. 1) The value of life, 2) Goodness or rightness, 3) Justice or fairness, 4) truth telling or honesty and 5) individual freedom. Ethical acts are executed in every day life even if we acknowledge it or not, the way we greet colleagues and clients even in the way in which we say good morning. Tschudin (1999) p175. As a training professional we are accountable for our actions and therefore must be able to backup any decision making with evidence I could see from my clients facial expressions that she was uncomfortable and was experiencing some sort of upset, during which in actual fact she was in a fair amount of pain. ConclusionI felt that the approach I took was in the right way and with the right intentions set out by the NMC Code of Professional Conduct. My reflective experience was very basic I felt and did not allow for much discussion, although a lot of the experience was preparation, planning and assessing which prevented the experience to go bad in anyway. I feel that as I am a first year nursing student I am very limited in what I can do and because of this little opportunity is given to me to experience other than what I have preformed as a Health Care Assistant. I felt that myself and the Auxiliary Nurse worked well together and were able to share the responsibility equally. Overall I found reflection on my experience interesting as it allowed me to look at legal, ethical and professional issues surrounding nursing practice. Action PlanIf a situation like this was to arise again I think I would like to try to take out more time to talk to the client about how they are feeling, at time I felt like I was prying too much as I felt like I was doing most of the talking. I also feel that it is important for me to work along side more experienced members of staff or qualified member of staff to be able to learn more whilst on my placements. Although I experienced in providing personal care to client I am not too familiar with ward setting. I do not think I have learnt an awful lot on the practical side of my experience but by reflecting on my experience in this assignment has allowed me to understand professional, legal and ethical issues of providing care and the dilemmas surrounding health care professionals. In the future I would not always go on the clients say so and seek professional advice and not just take the patient word. BibliographyBartter. K, (2001) Ethical Issues in Advanced Nursing Practice. London: Reed Elsevier Plc GroupBurnard. P, Chapman. C, (2004) Professional and Ethical Issues in Nursing. 3rd Edition. London: Elsevier LimitedGlasper. A, Grandis. S, Jackson. P, and Long. G, (2003) Foundation Studies for Nurses: using Enquiry Based Learning. New York: Palgrave MacmillamThe NMC Code of Professional Conduct Standards for Conduct, Performance and Ethics. Standards 07-04. London: Nursing Midwifery CouncilTschudin. V, (1999) Nurses Matter: Reclaiming Our Professional Identity. London:Macmillan

Friday, October 25, 2019

Compare and Contrast the two poems, London and Composed Upon Westminste

Compare and Contrast the two poems, London and Composed Upon Westminster Bridge Both of the poets write about London in their poems. There is one big difference between the form and the structure ‘Composed Upon Westminster Bridge’ is written in the form of a sonnet where as the ‘London’ poem is just a four verse poem, each verse having four lines. Comparing the poems with one another I first picked up that they are equally written from first person perspectives which helps to express that these are the writer’s real thoughts and feelings of the great city. Blake doesn’t concentrate on the general scene: Like the buildings or the natural landscapes, He sees beyond all this and he thinks of the people who live there. He explains how everyone is sad and hopelessly depressed, he points out the prostitutes have no other means of earning money than to sell themselves and how the soldiers have to put their lives on the line whenever the king decides. He makes it interesting as he uses a lot of repetition in each stanza to emphasize his views, ‘‘in every cry of every man...

Thursday, October 24, 2019

Marginalized Populations

April 14,2010 Communication for Marginalized Populations By: Nae Robinson Axia College of University of Phoenix HCA 230 Communication Skills for the Health Car Professional In this assignment we had to pick the best scenario for the four scenario that was given. I chose scenario 1, about an elderly woman who went to see the doctor for a examination her name is Mrs. Elson. She had a 24-year old medical assistant name Rosie who has been working in primary care practice for six months. While examining Mrs. Elson she weigh her, and took her blood pressure, at the same time she notice that Mrs. Elson was hard of hearing and show signs of stress and anxiety and seem confused about her results. We had three choices to choose from to see how the assistant would handle it and I chose choice 2 which states: â€Å" Mrs. Elson, your blood pressure is somewhat above normal–but normal can mean different numbers for different people. † â€Å" And what does that mean for me? † Mrs. Elson asks. Rosie says, â€Å" The doctor will have so much more information to share with you as to whether you have a problem and how to resolve it if you do. † I will be sure to document your question in the chart so he can address it with you. Accounting to the feedback for my choice, it is important that the technician keep the elderly patient in a positive mood, and diffuse extra anxiety above that which naturally occurs in a setting such as this. It is okay to share the blood pressure numbers; it is also possible to just say– â€Å"it is a little elevated. It is not the province of the medical technician to make personal commentary as to the reasons for this elevation. Essentially although she is a caregiver, she is not the primary caregiver, and does not have the expertise to make pronouncements or decisions for the patient. In scenario 3, you had a 39-year old woman from Venezuela who name is Ramona. She is an illegal alien with a green card pending and had been in the Un ited States for 17-years. This patient can speak English but do not speak it well so she have her 10-year old daughter interprets for her who’s name is Patricia. Jane, is the medical assistant who come in the examining room to discuss the problem with Ramona. The best choice for this situation is choice 1 which states: Hello, my name is Jane, Dr. Haven assistant, I am here to get you ready to see the doctor. How are you Ramona? And who is this beautiful child with you? Ramona responds, â€Å" This is my daughter, Patricia. † If I do not understand everything that you or the doctor says, Patricia can always help us out and interpret for me. â€Å" Good†, says Jane. â€Å" That what we need. † So what seems to be the problem. The feedback for the choice I pick states: Jane made Ramona and Patricia comfortable through friendly dialogue and by acknowledging Patricia. Now Ramona will be able to converse much more easily with the doctor, and Patricia will likely contribute valuable information. Last but not least scenario 4, we have a situation about the emergency room and how busy they can be. And if a situation is not of life or death people must sign in and wait to be call. We have a patient who walk in the emergency room name Marty, who eyes are red-rimmed and his breathing is rapid and shallow. He appears mussed, and not too clean. He moves erratically to the registration counter, where Maura is waiting to sign in patients. Now let’s see how she handle this situation with Marty. Out of the three choices number 2 is the best choice on how Maura handle the situation and it states: â€Å" Sir, you look in distress. † May I help you? I need help, said Marty. â€Å" What seems to be the problem? † Asks Maura. â€Å" Well, Marty says, I’m a farmer; I know it is allergy season, but I took my Asthma medicine and still can’t breathe! Please help me. According to the feedback for the choice I made; Maura, concern about the patient’s health, rather than his physical appearance, by identifying that Marty was in serious respiratory distress. By recognizing that he deserved as much or more care than other patients in the room, Maura correctly fulfilled her role as administrative staff. Good job Maura!!! I feel that this lesson from the simulatio n activity is to help handle different situations that may come up when you are a caregiver and work in the population. It also show how to handle ourselves and communicate with our patient’s on their level so they can understand us better.

Wednesday, October 23, 2019

Student Educational Loan Fund, Inc.

A Minnesota Student Loan Program www. selfloan. org Table of Contents About the Program Eligibility How to Apply Loan Size Loan Example Costs to the Borrower Loan Repayment Loan Servicer 1 1 3 4 5 5 6 9 This document can be made available in an alternative format to individuals with disabilities by calling (651) 642-0567. March 2008 About the Program The Student Educational Loan Fund, or SELF Loan, can help you pay for your education beyond high school. The program is administered by the Minnesota Office of Higher Education and can be used only for educational purposes. It is a loan, not a scholarship, so it must be repaid. Eligibility An eligible student must: †¢ be enrolled in an eligible school in Minnesota or be a Minnesota resident enrolled in an eligible school in another state or U. S. territory; a list of eligible institutions is available at www. selfloan. rg; †¢ be enrolled at least half time in a program leading to a certificate, associate, baccalaureate, graduate or education degree; †¢ be making satisfactory academic progress as defined by the school; †¢ not be in default of any student educational loan at the current or previous school; †¢ not be currently delinquent in payment of interest or principal on an outstanding loan from the SELF Program, or on any other federal, state, private or institutional student loan program; and †¢ have a credit-worthy co-signer. SELF Loan 1 Co-signer: You must have a credit-worthy co-signer who is either a U. S. itizen or a permanent resident, and who resides in the United States. The co-signer is responsible for making loan payments (interest, principal and other charges) if you fail to make payments. The co-signer is relieved of this responsibility only in the event of death or total and permanent disability of the borrower. A credit-worthy co-signer is one who has no account balances discharged through bankruptcy; no garnishments, attachments, foreclosure, repossession or suit; no more than $300 combined total in unsatisfied credit or unsatisfied payment obligations; or no more than five percent of credit bureau balances past due. The co-signer must be at least 24 years old or 18 years old if a sibling (i. e. , a brother or sister). 2 SELF Loan How to Apply Following are the steps to apply for a SELF Loan: †¢ Meet with a financial aid administrator at your college to discuss your eligibility for a SELF Loan. The financial aid office will use one of four application procedures (online SELF application, the TeleSELF electronic application, paper application or the combination paper/electronic application). The financial aid office can direct you to the appropriate application. The Office of Higher Education determines your eligibility and reviews the credit worthiness of your co-signer. If either the borrower or the co-signer are ineligible, they will be notified. †¢ The approved loan is scheduled for disbursement. On the date of disbursement, you and your co-signer are sent copies of the loan disclosure, which describes the specific terms of the loan and the scheduled disbursement date(s). †¢ Eit her a check is mailed to the school, or funds are electronically transmitted to the school, whichever the school prefers. Funds are disbursed by academic term. You should allow four weeks for the processing of the application and the disbursement of the funds. SELF Loan 3 Loan Size The financial aid administrator at the eligible school will determine the amount you can borrow. The loan amount cannot exceed the total cost of attendance, as defined by the institution, minus other financial aid that the student will receive. The minimum amount is $500. Maximum Loan Amounts The maximum loan is $7,500 for undergraduate levels and $9,000 for graduate levels provided that: †¢ The loan amount shall not exceed the cost of attendance less all other financial aid. You may borrow more than once during an academic year as long as you have not exceeded the grade-level borrowing limits, your request is for at least $500 and adequate time remains to process the application. Cumulative Borrowing Limits The cumulative SELF Loan debt shall not exceed the following grade level limits: $ 7,500 Grade Level 1 $15,000 Grade Level 2 $22,500 Grade Level 3 $30,0 00 Grade Level 4 $37,500 Grade Level 5 $55,500 Grade Levels 6 to 9 (includes all undergraduate and graduate debt) Grade level is determined by the school based on the number of credits earned. SELF Loan Loan Example Here is an example of how a SELF Loan can help you offset the total cost of attendance. Cost of attendance Less available financial aid Federal grants State grants Institutional assistance Private assistance Total Aid Total student obligation Maximum SELF Loan amount (based on grade level) $1,500 0 500 500 – $2,500 $7,500 $7,500 $10,000 Costs to the Borrower You must pay interest and principal on the loan. There are no guarantee, origination or processing fees charged. Interest Rate: The interest charged to you may change every quarter. The current SELF interest rate is available at www. selfloan. org. Borrowers pay an interest rate comprised of a percentage (the â€Å"margin†) that is added to the variable interest rate of the source of money (the â€Å"index†). As the index or margin increases or decreases over time, the interest charged will increase or decrease. The index rate is tied to the three-month London Interbank Offered Rates (LIBOR). SELF Loan 5 Loan Repayment Payment of Interest: You must pay interest quarterly while in school. This is called the â€Å"in-school period† Interest payments will start . approximately 90 days from the disbursement of the loan. During the first 12 months after graduation or if enrollment drops below half time, the borrower will be converted to a monthly interest repayment schedule. This 12-month period is called the â€Å"transition period† . Repayment of Principal and Interest: The period in which monthly principal and interest are paid is called the â€Å"repayment period† Near the end of . he 12-month transition period, you can choose between two repayment plans as long as a required repayment period has not started: †¢ The Standard Plan requires the monthly payment of principal and interest starting on the 13th month after graduation or when enrollment drops below half time. †¢ The Extended Interest Plan provides two additional years of monthly interest-only payments. Monthly payment of principal and interest with this plan begins on the 37th month after graduation or termination of study. While the Extended Interest Plan extends the transition period, it shortens the repayment period by the same two years. For SELF Loans from phases starting with SELF IV, if the aggregate principal balances of all SELF Loans is less than $18,750, the maximum repayment period will be 10 years from the end of the â€Å"in-school† status. For SELF Loans from phases starting with SELF IV, if the aggregate principal balances of all SELF Loans is $18,750 or greater, the maximum repayment period will be 15 years from the end of the â€Å"in-school† status. All SELF IV Loans will enter repayment no later than seven years after the first disbursement date on the loan. 6 SELF Loan Additional Loan Repayment Information: †¢ There are no deferment categories in the SELF Program. †¢ SELF Loans cannot be included in federal consolidation programs. Eligibility for repayment of SELF Loans under any student loan repayment program, such as a military program or AmeriCorps, is based on the criteria established by those programs for repayment of non-federal student loans. †¢ A borrower may move back and forth between the in-school and transition periods, but once a transition period has been exhausted and the repayment period entered, the borrower may NOT leave the repayment period. The total amount borrowed will determine the borrower’s monthly payment; however, the minimum monthly payment of principal and interest is $50. †¢ There is no penalty for prepaying SELF Loans. Transferring Schools: If you transfer to another school or pursue a higher degree at another institution, you must: †¢ enroll before the 12- to 36-month transition period elapses, †¢ enroll in a school that is a member of the SELF Program, and †¢ have time remaining before the seven-year mandatory repayment starts. If the school is not a member of the SELF Program, you will no longer be considered to be in the â€Å"in-school† status. SELF Loan 7 SELF Loan Repayment Examples Amount Borrowed Annual percentage rate during principal repayment period Interest rate applied to principal balance Quarterly interest payments while enrolled Monthly interest payments during transition period Monthly payments of principal and interest $7,500 $7,500 7. 00% 8. 00% 7. 00% 8. 00% $131. 25 $150. 00 $43. 75 $50. 00 108 payments of $93. 80 108 payments of $97. 64 The interest rate varies throughout the life of the loan and may increase or decrease. The example illustrates the repayment schedule for a $7,500 SELF Loan at two different interest rates and assumes that the stated rates do not change. It also assumes that payments of principal and interest will be made over a nine-year term, following interest-only payments during a four-year in-school period and for one year after school. 8 SELF Loan Loan Servicer A Servicer schedules and disburses your loan, sends bills, and keeps track of your loan payments and your current loan status. The Servicer for the SELF Program is Firstmark Services. Contact Firstmark Services for questions about your bill, payments or to make address or enrollment changes: Firstmark Services P. O. Box 25410 Woodbury, MN 55125-0410 Tel: (651) 265-7666 (888) 295-0713 toll free Visit www. firstmarkservices. com to check the status of pending applications and disbursements along with your payment and balance information. Minnesota Office of Higher Education SELF Loan is a program of the Minnesota Office of Higher Education, a state agency providing students with a range of financial aid programs and information to help them gain access to postsecondary education. The agency manages the Minnesota State Grant program, which is a needbased grant program for eligible students who submit the Free Application for Student Aid (FAFSA). The agency also oversees tuition reciprocity programs, Minnesota’s 529 college savings program, institutional licensing, a college awareness program for youth and serves as the state’s clearinghouse for data on postsecondary enrollment, financial aid, finance and trends. SELF Loan 9 Minnesota Office of Higher Education 1450 Energy Park Drive, Suite 350 Saint Paul, MN 55108-5227 Tel: 651. 642. 0567 or 800. 657. 3866 TTY Relay: 800. 627. 3529 Fax: 651. 642. 0570 E-mail: [email  protected] state. mn. us www. selfloan. org www. ohe. state. mn. us  ©2008 Minnesota Office of Higher Education Printed on recycled paper.