Bloom taxonomy Essay

Bloom’s taxonomy or also known as the revised bloom taxonomy is a great teaching tool to use when teaching patients about their illness. It consists of three categories and then multiple sub-categories. Blooms taxonomy addresses not only the patient’s readiness to learn but it address the appropriate approach to each individual situation. It gives a systematic way of approaching a topic and the audience that will be learning. When this method is applied to nursing it is a great tool. This is due to the fact that each patient has different cognitive factors, different psychomotor factors as well as an affective domain. Bloom’s Cognitive categories have to do with how the mind can process or regenerate the information provided during a teaching session. There are six sub-categories to the cognitive category. The six are remember, understand, apply, analyze, evaluate and create. A teacher should be able to determine where in this pyramid is the patient. What teaching strategies must be changed and modified to fit the patient lifestyle. The second category is the Affective domain. This is how patients address their emotions to specific problems. This will show what a patient or student values and what motivates them to be who they are. This category has five sub-categories receiving, respecting, valuing, organizing and internalizing. This is the category that will determine if the patient is willing to accept this disease or new lifestyle change into their life. This will tell a teacher where on the scale the patient is willing to rate their disease and how it will affect their life. The Third and final category is psychomotor. This tells the teacher if the patient is physically able to complete the task asked of them. This will allow the teacher to gage if the patient is able to successfully complete what is needed of them to live with their disease process. There are five sub-categories imitation, manipulation, precision, articulation, and naturalization. There is a great example of this category, teaching a patient to use a new nebulizer treatment. The patient will go through reach step of the process till they  can finally reach the goal of naturalization. Conclusion Blooms taxonomy learning tool can break down the heart of teaching and give it meaning to apply to most any professions. Nursing is just one of those professions that teaching is a large part of the job, on a daily basis. Blooms taxonomy should be used each day on a nursing unit from the admission date to the discharge date.

Importance of Science Essay

One of my old, fairly innocuous posts has been climbing up the popularity lists: The Importance of Science in Our Lives. It’s just a link to an article online with a little commentary. I see on my statistics pages that a lot of people arrive using google searches of â€Å"Importance of Science.† I wonder if this is a common school assignment for students, e.g., â€Å"Write about the importance of science in the modern world† or some other similar variation, and then off they go to google to get their answers rather than thinking for themselves. Maybe that’s too cynical. Anyway, I have been intending to follow up with some more specific and simply worded reasons that science is important to not just me (e.g., my income), but to our civilization today. Science is important because†¦ 1. †¦we don’t have to take someone’s word for something, we can test their claims. 2. †¦horrible diseases can be cured, or prevented entirely, and it can still provide hope for those with as-yet-incurable diseases. 3. †¦people who love each other can talk to each other whenever they want no matter how far apart they are in the world, and can be together the next day. 4. †¦science can show us what has caused mass extinctions and point the way to preventing similar catastrophes in the future. 5. †¦science can make us feel big and special for understanding the age of the Earth, the nature of stars, and the size of the universe, even if those things dwarf us. 6. †¦science saves lives. 7. †¦it has helped us to no longer need to worry about personal survival as our top priority, giving us more time for love, laughter, singing, and dancing. 8. †¦whenever one problem is solved another two rear up to take its place, so the need for science will never go obsolete. 9. †¦science gives us superpowers, like looking across the universe, seeing atoms, flying across the Earth or to the moon, moving mountains, and harnessing the energy of the sun. 10. †¦science, in the long run, is the only reliable way to figure things out in a world that is so seldom fair and impartial. Well, those are ten of mine. I could elaborate or further justify each of these, but for now I will leave these here to ferment some more. There’s a darker version of this list that would talk about guns, nuclear bombs, and more, but I’ll pass on that for now. Violence isn’t nice, but it surely is important. Science is everywhere in today’s world. It is part of our daily lives, from cooking and gardening, to recycling and comprehending the daily weather report, to reading a map and using a computer. Advances in technology and science are transforming our world at an incredible pace, and our children’s future will surely be filled with leaps in technology we can only imagine. Being â€Å"science literate† will no longer be just an advantage but an absolute necessity. We can’t escape from the significance of science in our world. The present era is the era of science. Science has undoubtedly done a great service to mankind. Man, a rational being, has been curious to explore mysteries of nature and this led to many discoveries being made in various part of the world. But he is never satisfied with the acquired knowledge and is always keen to unravelle mysteries of the universe. He has conquered the land and air. His incredible lust for knowledge has revolutionise d human life and raised the standard of life. He was able to invent innumerable ways of making his life comfortable and happy. Every sphere of life has been revolutionised by science. There have been innumerable inventions. One of the greatest inventions is the invention of medicines. There has been a series of tests carried out using animals as subjects and various medicines have been tried out on these animals to check their efficacy. Many fatal diseases can now be cured because we have the drug to fight those diseases. It has reduced the rate of infant mortality and increased the life span. Before these inventions millions of people died for lack of medical care. Science has given us many machines that have made our lives very comfortable. Buses, cars, sewing machines, mixes, grinders, etc. are all machines that are used every day by us and the discovery of electricity has made it possible for us to change night into day and summer into a comfortable cool season It is now easy to cultivate fields as we have tractors. New forms of irrigation are now being employed. It is easier to protect the crops because of the use of various chemicals and pesticides. Even mosquitoes can be driven away because of the discoveries made in science. It has enabled man to entertain himself in many ways. TV, radio, video and the cinema are all popular means of entertainment. Besides entertainment they educate the masses. Today the computer has made life even more easy for us. The press, the means of communication, etc. have all improved because of science and its gifts to us. Before understanding the importance of science and technology, it is important for us to understand that science and technology are closely associated with our lives. They are closely linked aspects of society and the studies and developments in both of science and technology are essential for the overall progress of society. Why is technology so important? How does scientific development affect society? Let us find out.Scientific research comprises a wide variety of fields ranging from the study of different branches of science to relatively advanced fields like space exploration, human genetics and cloning. Scientific study attempts to explore and understand the working of the physical world. It tries to analyze the occurrences in nature and gain knowledge about nature through experimentation. As scientific research aims at gaining knowledge of the complexities of nature, it is important for the progress of mankind. The seemingly impossible feats have been made possible, thanks to the scientific research.Natural sciences deal with the study of nature and human life. The studies of natural and artificial sciences reveal the relationship between nature and human life. Research in science has paved a path to many brilliant inventions and discoveries.When it comes to science and technology, we cannot forget the automobile and the transport industries that have grown tremendously on account of the developments in science and engineering. Technological advancements have driven the developments in the different modes of transport. Bicycles have transformed into scooters and sport bikes. Four and six wheeled vehicles have started running on the roads, thanks to the advancing technology. The developments in air transport have winged the common man to soar high!The importance of technology lies in the benefits of technology on society. The positive effects of technology on society are many. The advancements in technology have revolutionized human life. It has provided a great impetus to the computer and the telecommunication industry. The developments in the communication technology have made the world a smaller place. The Internet serving as an excellent communication platform has made the world flat!The World Wide Web has proved being an enormous information base, from which information can be retrieved by the means of search engines. Information from all around the world is housed on the web. Thanks to the development of the web technology, the information can be stored in an organized manner and relevant information can be retrieved on supplying search strings to the web search engines.Digitization of information has been a major breakthrough in the world of information technology. It has made possible the compaction of information, which in turn allows efficient information storage.The most important benefit of science has been the luxury it has brought to daily life. The mechanization of industrial processes has reduced human effort. Household appliances that are in the daily use of the common man are a result of scientific research. Machines have replaced human beings in monotonous and risk-bearing tasks. Scientific discoveries have made life easy.Read more at Buzzle: http://www.buzzle.com/articles/importance-of-science-and-technology.html In every generation and in every century there always exist a number of people, who are afraid of everything that is related to possible changes. In various epochs they are called differently: luddites, anti-globalists, ecologists and so on; but their nature is always the same. They hate progress and strive to preserve the status quo without seemingly realizing the fact that the same very kind of people hated progress and strived to retain the status quo a hundred years ago, and now they use all the things that were denounced by their spiritual ancestors. In their blogs on the Internet they write about immoral scientists, who conduct dangerous experiments; but they do not realize that they actually use the product of the very science they hate in order to convey their thought to the similarly-minded. Science always has to fight against heavy odds, for it always tries to show how useful something may be to people who don’t want to listen, knowing that the very moment they will be persuaded, they will use a yet another product of science against what has created it. It wouldn’t be an exaggeration to say that a scientist is the hero of modern day, and not a politician or a social activist. Science makes our life possible – today a human being cannot imagine his or her life without all the many thousands of little and big things, created by science in the course of millennia. And the people who denounce it for meddling with the things that we do not understand, just don’t see that there is no way to study a thing that you don’t understand without, well, studying it. Of course, science always prevails in the end, for life is stronger than death. But it is really embarrassing to see how hard it has to fight. 2013-02-19T14:25:54start intext order & inq uiry code Science and technology provide people with the knowledge and tools to understand and address many of the challenges. Students must be provided with opportunities to access, understand, and evaluate current information and tools related to science and technology if they are to be ready to live in a 21st century global society. The study of science and technology includes both processes and bodies of knowledge. Scientific processes are the ways scientists investigate and communicate about the natural world. The scientific body of knowledge includes concepts, principles, facts, laws, and theories about the way the world around us works. Technology includes the technological design process and the body of knowledge related to the study of tools and the effect of technology on society. Science and technology merge in the pursuit of knowledge and solutions to problems that require the application of scientific understanding and product design. Solving technological problems demands scientific knowledge while modern technologies make it possible to discover new scientific knowledge. In a world shaped by science and technology, it is important for students to learn how science and technology connect with the demands of society and the knowledge of all content areas. It is equally important that students are provi ded with learning experiences that integrate tools, knowledge, and processes of science and technology. The Science and Technology Standards outline the essential understandings of these disciplines. Standard A describes four themes that serve as a broad scaffold for understanding and organizing student understanding of the content and processes of science and technology. Standard B describes the processes of scientific inquiry and technological design. As a complement to the expectations of inquiry and design outlined in Standard B, Standard C describes the enterprises of science and technology and the connection to society. Standards D and E have performance indicators that encompass the subject matter conventionally referred to as life, physical, and earth and space science. It is essential that classroom instruction integrate the processes and ideas of Standards A, B, and C with the knowledge of Standards D and E, rather than teach them separately. Instruction should support students in asking questions and making inquiries to help them, understand and solve problems that require t he integration of knowledge and processes in authentic contexts. Unifying Themes – The proposed revised standards begin with a focus on four themes of science and technology: systems, models, and constancy and change, and scale. These themes provide teachers and students with a scaffold on which to organize the details of the standards. National standards documents identify these themes as critical knowledge for students in the 21st century. The Skills of Scientific Inquiry and Technological Design Process – The Science and Technology Standards define both the student skills of scientific inquiry and the student skills of technological design. The inclusion of scientific inquiry, the development of a coherent section on technological design and the inclusion of a standard on scientific and technological enterprise highlight the importance of developing student understanding of the unique characteristics of and relationships between science and technology. The scientific and technological enterprise standard outlines key understanding s about the relationships among science, technology and society and underscores the role of citizens in the decision-making process related to science and technology. Science is our power as human beings to use our wisdom and make decisions. When a loved one is dying of cancer, what would you do? Would you not do anything possible to try to help them? Here is where science has a role in our lives; when we want to do something otherwise difficult or impossible. Though the ways of learning science has changed over the years from solely thinking logically to reading classics to experimenting, the way scientific knowledge is used has not been changed. When there is an epidemic, medicine is used to carry out man’s will to cure it. When the Egyptian pyramids were to be built, architecture came into use. Yet science is not used only for such needful or elaborate situations. They also appear in our daily lives. We know it is important to wash ourselves regularly, only for biology. The Wright brothers were able to invent the airplane because they knew hot air rises, and since then, we have been able to use their technology to travel great distances in short periods of time. We humans would be so impotent without science. Science is our knowledge of the universe. It is natural to have for a being who thinks. If we did not have science, it would mean we are plain animals motivated purely by instinct. Our definition of â€Å"life† as a human would not exist. Great are the blessings of science. However, our wisdom is not complete, and can lead us to do wrong. Thereupon, science can be a curse. We have changed the passenger airplane into a fighter. Cameras for keeping memories spy on people. Cell phones for conversations are used to bully kids around, and even explode trains. Our greed, hatred, fear, wickedness, and stupidity have produced terrible uses of what our scientific knowledge has put together. As we all know from Spiderman, â€Å"With great power comes great responsibility.† Science gives us options to do or not to do. Though each option has its consequences, it is a distinct strength which evidently separates us from animals. How we use it will greatly influence the lives of each one of us.

Homeland Security Essay

1. Who should be responsible for protecting the public from online identity theft? Why? There is no real answer to this question. Except In my opinion the government should be responsible from protecting the public from online identity theft. I say this because there are certain things that should be monitored. Not the social websites or websites you go into and play games. The government should monitor when people go to certain websites such as Bank of America or Wells Fargo. These websites should be monitored (no more such as when you login you can see your username and password no) they should be monitored in a way to where your bank statements can be kept on track from day to day. 2. Should laws be changed to stop it, or should consumers change behavior? Consumers should change their behavior from time to time if needed be. There are laws that have stopped Identity theft. One of which is The Computer Fraud and Abuse Act. This law makes it illegal for anyone to distribute or computer code or place it in the stream of commerce. There are many other different laws on Identity theft. Some of which are on a website. 3. What is an appropriate punishment for identity thieves? Considering the expense and problems associated with the crime, it should be addressed as a on less than a felony offense, regardless of the monetary amount of money or goods involved. 4. Given the international nature of the internet, how should foreign identity thieves be handled? There really is no way to handle foreign identity thieves unless they are caught by the police or government first. If by chance they were to be caught, it should be addressed as a felony offense given the fact that they logged into someone’s personal information, which should account on Substantive Due Process. Which is the right to privacy.

Evaluate the Financial Performance of US Financial Services Company to Essay

Evaluate the Financial Performance of US Financial Services Company to determine if they are able to invest in India - Essay Example To determine whether USFSC can invest in India one must analyze the recent financial performance of the company. The net income of USFSC in 2011 was $3.76 billion. The companys net income increased by 339% in comparison with the previous year. The company believes in giving back to its shareholders. In 2011 USFSC declared dividends of $665 million. The total assets of the company are $197.7 billion. In comparison with the previous year the total assets of USFSC have increased by 158%. The total loans and leases of the company amount to $138.9 billion. This total represents an increase of 205% in comparison with 2010. The debt to equity ratio of USFSC in 2011 was 1.12. This financial metric measures the amount of assets being provided by creditors for each dollar of assets being provided by stockholders (Garrison & Noreen, 2003). A ratio that calculates how leveraged the company is is the debt ratio. USFSC has a debt ratio of 0.53. Its debt ratio is relatively low which is favorable. Based on the analysis performed the company shows a lot of good signs. The profitability of the company has grow n over the past year due in part to its 205% growth on loans. USFSC has also grown its total assets. The company is in sound financial condition to support an expansion strategy, thus investing in India is

Assignment 2 Term Paper Example | Topics and Well Written Essays - 1000 words

Assignment 2 - Term Paper Example Today, both of the countries are worrying about the rise of China and the Islamist ideological groups, which has created tension around the world. The younger generation of Americans considers Russia as another state, a less able country than India and China and more comfortable to deal with than USSR. According to many U.S officials, Russia does not pose any threat to the USA, and a small amount of attention is paid to Russia in the American foreign policy (Mankoff, 2010). Although Russians have shown frustrations after the Cold war, the interdependence between the two nations prevents them from taking any strong actions against each other. After the Cold War, the United States has granted permission to Russia to enter the European markets for trade, and Russian government has allowed the US military to move the equipment across the country to fight against the common enemy, Al-Qaeda. The Russians believe that their country should once again become a superpower, because they do not consider Americans as trustworthy. The Russian authority claims that the US foreign policy is often targeted to dismantle Russia again by destabilizing the country. The most recent issue is the construction of anti-ballistic missiles defense system in Europe, regarding which Russia has shown frustration. Americans consider Russia as unsympathetic to the Western world (Mankoff, 2010). In 1991, Russia and the United States signed a treaty known as START (STrategic Arms Reduction Treaty), which aimed to cut down the production of nuclear weapons in the countries. The free market and privatization concept were influential in Russia and were supported by the USA. The rise of poverty in Russia created tension between the two nations in the late 1990’s, and the situation became worse during the presidency of George Bush and Vladimir Putin. The relationship became assertive in nature, and both countries had disagreements on many issues regarding the invasion of American troops in Ira q. The US authorities have been frustrated due to the increase in the autocratic rule and limited freedom of speech in Russia (Harrison, 2004). The US relations with China after Cold War After the Cold War, the US has changed its strategic focus towards the Eastern Asia, particularly China. This strategic change in the US policy has been underlined by the increased significance of the region in economic terms and by a prognosis (made by many Western countries) of the emergence of China as the global economical and military power. Therefore, the United States has paid more attention to the relationship with China, a communist state. The future and the prosperity of billions of people depend on the relationship between the two countries. The US considers the political system of China as authoritarian and is not satisfied with the capabilities of the People’s Republic of China. Since the end of Cold War, China has been the second largest trade partner of the US, but both of the countries have fears which could hamper the relationship. The trade of China has always been criticized and considered as unfair by the US because of the unfavorable trade figures for the country, since the US imports exceed its exports. America fears that China has the capability to become the next superpower, and

Success of Hollywood Films despite Restrictive Conditions Essay

Success of Hollywood Films despite Restrictive Conditions - Essay Example In response, Motion Picture Producers and Distributors Association drafted a production movie code that censors material viewed as morally unfit. Despite this censorship, restrictions of the Production code (1930-1968) and HUAC political pressures, highly artistic and regarded films such as On the Waterfront, Citizen, and Scarface were produced. Films formulated in accordance with specific genres were produced at the height of Hollywood studio system’s commercial and artistic success. The success of these films is not an anomaly. The restrictive production code created a platform for creativity and art that prospered films of this era to success (Rosenbaum, 1998). The gangster genre established itself in the beginning of the 1930’s. Howard Hawks’s Scarface (1932) was far more powerful than many others. The popularity of gangster and horror pictures was a reason for concern for the Motion-Picture Producers and Distributors Association and the Catholic Legion of De cency. Therefore, a Production Code was formulated forbidding excessive cinematic violence and sex scenes. The most crucial film of the decade was Citizen Kane. It success was due to its stylized lighting, deep-focus photography, and overlapping dialogue among other valuable techniques. It is one of America’s most significant contributions to the development of the movie industry. Despite several restrictions by the Production Code, the movie was one of the best in the period (Rosenbaum, 1998). Films such as Scarface presented antagonists in a favorable light; making heroes out of everyday villains. The Production Code reinforced and redefined the American cinema in the 1930’s. The basis was that every form of art should have it laws, and if the laws are surpassed, the art is recognized as something different. The Code introduced strict rules for film producers to abide by. This highly affected the manner in which Hollywood narratives were structured, and it is evidenc ed by films which were re-released in order to abide by the Production Code. Scarface provided the first significant test of the new Production Code. It attracted the attention of Will Hays, the chief censor of the time. It was a typical gangster film that focused on the gangster life of Tony, and his rise and fall. The original film portrayed Tony in a favorable light throughout the film; thus there were concerns that the film glorified the gangster culture. The code demanded the unsympathetic portrayal of Tony and minimal detail be shown of the brutal crimes. In accordance with the general principles of plot laid down, Scarface violated the principle that no plot theme should openly side with evil and be against good. It also went against the principle that suggests that, in a plot, evil should not be presented alluringly (Code, 1934). In order to show how concerning and serious the gangster culture was, the Code demanded that certain scenes be eliminated. The title was altered, a nd a prologue added that suggests to the audience that Scarface is against the gangster culture. An entirely new scene was also incorporated into Scarface to address the Code’s concerns over people confronting the newspaper publisher, angered by the publicity gangsters received from the press. A technique that ensured the success of films at this time is the idea of the audience being active readers. In Scarface, scenes that hinted at Tony’

Materials Engineering Project Research Paper Example | Topics and Well Written Essays - 1250 words

Materials Engineering Project - Research Paper Example This paper has also discussed the different applications of titanium alloys and its limitations in different uses in the modern society. Introduction Titanium alloy is a metal that consists of mixture titanium as the main element and other elements. This is done to achieve high toughness and tensile strength. Generally, alloys have extreme temperature resistance, resistance to corrosion and yet they are light in weight. The process of Titanium Alloying involves the allotropic transformation of pure titanium to the cubic beta phase at very high temperatures of 882.50C (Joshi, 2006). Elements used for alloying normally act as stabilizers at beta or alpha phase. However, by using alloying additions, it is possible to have alpha phase coexisting with beta phase at room temperatures. This is the principle behind manufacture of titanium alloys that can withstand high temperatures during heat strengthening. Titanium alloys are classified into three major groups; beta alloys, alpha alloys an d alpha-beta alloys. Alpha is formed by addition of neutral alloying materials as well as alpha stabilizers such as Sn and Aluminum & Oxygen respectively. Beta alloys on the other hand contain enough beta stabilizers that enable such alloys to retain their beta phase even after quenching. The strength of beta alloys can also be increased through subjecting them to solution treatment and aging. The third category of titanium alloys is beta-alpha alloys that contains both beta and alpha stabilizers thus withstand heat treatments at various degrees. It is important to note that the nature of alloy and stabilizers used greatly influence the heat stability, toughness, tensile strength and other mechanical properties. Production of Titanium Alloys Kroll Extraction Process Titanium alloy is made from Titanium metal and other chemical elements. The main production process for titanium metal is called Kroll process. It involves treatment of the main ore known as rutile with chlorine gas in o rder to get a compound known as Titanium tetrachloride. This compound is then purified and reduced by sodium or magnesium to produce metallic titanium sponge. It is the Titanium sponge that undergoes several alloying process that involve heating and melting to produce Titanium Alloys. In this respect, the purity of titanium resulting from Kroll process is therefore critical for alloying process. According to Leyens & Peters (2003), the purity of titanium Produced depends on the purity of the starting material as well as the parameters and treatments. His is because there are several metallic elements that may cause very undesirable impacts even when they are present in small amounts. Melting Process The second stage in the production of titanium alloys is the melting process. Melting process involves combination of extracted Titanium alloy with alloying elements depending on the type of alloy to be produced. There are about five melting processes: induction Skull melting, vacuum arc remelting, plasma arc melting, Electroslag refines and Plasma Arc melting Process (Joshi, 2006). Melting process begins by blending together alloying elements with sponge followed by hydraulic pressing necessary to produce excellent blocks known as briquette. Apart from sponge, other titanium from scroll process such as scrap or Revert can also be used depending on the quality of the final Titanium Alloy

Session Long Project 1 - WalMart - SHRM Essay Example | Topics and Well Written Essays - 500 words

Session Long Project 1 - WalMart - SHRM - Essay Example From the essay it is clear that the HRM team of the company does not contribute to the overall strategic growth of the company. It is important to note that although there is a strong strategy that the company adopts in terms of the recruitment process, there is little or no proper management post the recruitment. The company clearly uses SHRM; however the main elements of SHRM are not taken into account here. The lack of care and attention to the employee needs and development of the strategies based on these, leads the company’s overall employee attrition rate to be high. This clearly also impacts the business decisions and strategic planning.This discussion stresses that an excellent example which has been made public about the organization is that of the articles which show that the company pays employees a salary which is way below the poverty line and employees have confessed that they cannot live out of the pay received from WalMart alone. The average hours worked by em ployees is around 40 hours a week. However the pay received is very low and for some of the employees it is just enough to live out of a Dodge truck. Also, in terms of personal experience, a friend of mine worked for the company and she was forced to work almost twelve hour days, with no extra compensation, or even any other form of benefits. Over the past years the company has been able to gain the position of the world’s largest retail company and is thrice as big as its closest competitor.

Role of Risk in Financial Decision Making Dissertation

Role of Risk in Financial Decision Making - Dissertation Example Risk is going to be the core factor of analysis in this study which will provide an idea of how risk assessment is important for an overall financial decision making process and its impact in the Small and Medium businesses. The literature will cover the post empirical studies to get to the subject adequately and effectively. This will provide the understanding of the subject in regards of risk management, risk analysis and its role in financial and business decision making process (Smit & Watkins, 2012). The process of risk management can be defined as follows. â€Å"Risk management is concerned with the outcome of future events whose exact outcome is unknown and with how to deal with these uncertainties†¦ In general, outcomes are categorized as favorable or unfavorable, and risk management is the art and science of planning, assessing (Identifying and analyzing), handling, and monitoring future events to ensure favorable outcomes† (Conrow, 2003, p. 2). In recent times S MEs (Small and Medium Enterprises) pay much attention to the risk management subject. Such organizations always emphasize on major risks involved in their businesses, this is to reduce overall risk of liability, risk of investment or risk of assets which are involved with their respective small partnered business ownerships. All of these are constraints of finance, if one views them in an investment or capital perspective. All of the above reasons validate that risk assessment is necessary for companies especially which are present with small scale and are on the initial settings to expand their business (Smit & Watkins, 2012). Organizations like retailer stores, utility shops, restaurants or hotels which are a central part of any developing economy apply risk components to analyze risk factors. This is to manage financial methods and business decision making process. In recent times this had been found in hotel management section which is one form of small enterprise business (SME) assess their risks to manage key financial elements like credentials, account receivables, account payables and financial assets like covenants or insurance (Luper, 2012). In SMEs especially present in a competitive market arrangement, the magnitude of financial management is bigger and so as its margin of retrieving risk at the time of business decision making. This is why such organizations utilize key risk applications to derive their financial objectives and make them achieve at right time of a business operation. An idea floats among all the business professionals mindset that better risk assessment leads to better financial management, which is true because risk evolves challenges and a good strategist include those challenges in assessment, before they become problems at a later point of time. Uncertainty takes the origin especially when risk is not overcome at the right time of an SME business and when it is assessed to a level which is adequate to meet financial goals or b usiness objectives of the Enterprise (Luper, 2012). In today’s modern business system, risk assessment has found its place in financial business organizations like Variable Annuity Industries (Melnick & Everitt, 2008). Based on long term planning, VA providers consider risk as a significant factor for designing and improvising annuities. To manage risk on the financial decisions, VA SMEs deploy risk management strategies to

Affect and Open Shale Rock Essay Example for Free

Affect and Open Shale Rock Essay The past few days in class we have been learning about the process of fracking and how it is either harmful, or useful to our nation. There are numerous arguments for both sides that specify pros and cons for fracking and if fracking should be legal to operate. Fracking is known as hydraulic fracturing with the use of sand, water, and chemicals that are injected at high pressures to blast open shale rock and release the trapped gas inside. The process of fracking starts with drilling a hole deep in the earth’s surface until it reaches natural gas. From there they can start the operation and retrieve the natural gas. Oil and gas companies that use fracking state that it is very safe and does not harm the environment. On the other hand fracking has been reported to cause risks to air, land, water, wildlife, and communities by other sources, rather than the oil and gas companies. According to Josh Fox a journalist who directed â€Å"Gasland† a 2010 documentary found that fracking is making people sick, contaminating water, and affecting wildlife. Yes, fracking can have some positive aspects, but the cons out way the pros drastically. Fracking is bad for our environment and can harm many individuals near fracking sites, or affect their land, and animals. Therefore, regulations and safety should be improved for fracking to stop all the negative aspects from happening, or ban fracking as a whole. Families near fracking zones have terrible headaches and even very serious sicknesses ever since the fracking started. Fracking uses more than 596 chemicals which are released into the ground through a pipe. Drilling can intersect with underground water which would mix the 596 chemicals with that causing contaminated water. Households are affected by this because their water comes out multicolored ranging from musky grey to black. At some Houses Josh Fox visited they were able to set their water on fire. In the documentary he used a lot of emotional appeal to show how hard families are being affected by this tragic event, and shows how tough getting through a day is becoming without getting some type of sickness. Fracking also affects wildlife and land by contaminating water streams and the soil animals live on. In one scene of â€Å"Gasland† Josh Fox went to a ladies house where she had collected dead animals around her land. These animals were not present until the fracking started, and then after that they just started falling dead. There were other cases of people going into streams or even using their own house water that gave them sores, and harsh rashes throughout their body. In the documentary this showed a very effective way of getting people attention and underlining how important this is. In the other documentary â€Å"Fracknation† directed by Phelim McAleer he shows why fracking is important and how it is safe for our environment. The only positive aspect of fracking is it would help our nation out a ton with gas, lower prices drastically, and we would be the leading natural gas supplier in the world. This documentary didn’t really catch my attention that much because why would all these cases of sicknesses and contaminated water pop up right when fracking became big. If fracking became safe and didn’t harm anything in the environment then it would be the greatest idea ever invented. Coming up with new regulations to improve fracking and make it 100 percent safe would be the only reason I would accept the concept of fracking. As of right now fracking is very harmful to many, and the chemicals used are being released in the atmosphere, and in the soil which is contaminating many things and affecting the quality of the air. Fracking is not safe for anyone or anything located near a fracking zone.

Planning System in Germany

Planning System in Germany A Brief Overview of the Planning System in Germany The federalist principle of the German state is divided between the Federation and the federal states. The federal states have their own state authoritys laws. This fact characterizes Germany as a decentralized state. The federalist structure contains three central levels which are the Federation, the federal states and the municipalities. They each have their own regulations but they are closely linked. At the federal level is the Ministry for Transport, Building and Housing, responsible for spatial planning. At present the predominant departmental assignment model is an independent ministry for planning and environment. Raumordnung is a term provides a classic model of the combined planning of land uses, preservation of heritage. The planning law in the Federal Republic of Germany consists of the Law of Raumordnung and of the Public Building Law. The outstanding feature of the decentralised German planning system is the fact that the Federation itself has no comprehensive and legal binding spatial planning instrument. So Germany has no national plan at its disposal, but in its place the established by the Federation principles of the Raumordnung which are the fundamental guidelines for the whole spatial planning and spatial policy in Germany. Legal planning instruments are reserved for the federal states. Only the federal states are obliged to draw up comprehensive plans and to determine objectives of the Raumordnung which are binding for all subordinate planning authorities (municipalities and sectoral planning authorities). On the level of the Raumordnung und Landesplanung there is no public participation up to now. The procedure for giving the Raumordnungsplaene a binding character is legally the most important act, and it serves to make the objectives of the Raumordnung binding for public planning authorities. This is achieved by means of †¢ passing of laws†¢ decisions taken by the governments of the federal states†¢ official approval/declaration of binding effects/approval by the planning authorities of the federal states. The comprehensive plans of the federal states (Raumordnungsplaene) and their regions (Regionalplaene) are legally binding for all authorities of the Federation, the federal states and the municipalities. This refers to the real contents of these plans, the objectives of the Raumordnung, which have to be observed by public planning authorities in all spatially significant planning procedures and measures. As a general rule of the German planning law, the undeveloped outlying areas should not be built on with the exception of â€Å"privileged developments (e.g. developments serving agricultural activities, specific public infrastructure projects). Those projects must be permitted in rural areas (without a legally binding land-use plan) in compliance with the FBC if public interests do not oppose and ample public infrastructure provision can be guaranteed. Other development projects may be permitted in compliance with the FBC as exceptional cases, provided that their execution and use do not conflict with any public interests and public infrastructure provision can be guaranteed.

Consequence of Colonialism in Developing Countries

Consequence of Colonialism in Developing Countries Essay Question: With reference to relevant theories and examples, critically analyse the social, political and economic consequences of colonialism on developing countries. Word Count: 2310 words. Introduction One of the most important consequences of the World War II was the emergence of a new process of decolonization, which created a unique moment of opportunity for many developing states to achieve sustainable socio-economic development. In this context, it was widely expected that achievement of formal political independence for the former colonies would enable these states to advance an overall national progress with greater efficiency (Fieldhouse 1999, Krishna 2009, Reynolds 2000). In practice, however, the process of development has been highly uneven, sometimes leading to landmark achievements in some regions (Ricklefs et al. 2010), but more often accompanied with multiple economic problems and socio-ethnic tensions (Fieldhouse 1999, Rodney 1981, Reid 2009). This paper aims to examine complex social, political and economic consequences, which process of colonialism had on developing states. Using a world systems theoretical approach, advanced in works of Wallerstein (1974, 1996), this essay argues that colonialism as a process had far reaching impact on developing states in several ways. Socially, the creation and imposition of new fixed identities and Western principles had reshaped the traditional social institutions of the colonial states, often resulting in growing tensions and conflicts between competing ethnical and religious groups. Politically, although in some cases the inherited from the colonial times had largely benefit newly independent states to enforce development programme at the national level, in most of the cases colonialism had negative consequences, often resulting in vacuum of power, civil disorder or abuse of state institutions by the new national elites. Economically, the trade structures originally designed by metropole empires were largely retained in post-colonial period, often leading to high financial dependence of the new independent states on their former colonial masters. Thus, a thorough examination of social, economic and political consequences of colonialism from a world system approach can explain the existing pattern of underdevelopment, which is common for many developing states. This paper is structured as follows. The introductory section explains the world system approach. The main body analyses the social, economic and political consequences of colonialism process, using the above mentioned theoretical perspective. The concluding section summarizes the main arguments. World Systems Theory: An intellectual background. World system approach (WSA) can be understood as a theoretical sociological perspective, initially articulated by Wallerstein (1974; 1996) and further developed by other thinkers (Fenelon 2016), which aims to explain why patterns of underdevelopment persist in developing states once the states were able to achieve political independence. WSA is founded on the principle that in order to understand a phenomenon of underdevelopment it is necessary to examine wider global economic and political dynamics, rather than focus exclusively on each individual region and state (Wallerstein 1974, Mishra 2013). From this perspective, global history has been deeply affected by the emergence and decline of a specific world systems, which reflect to the existing form of production relations dominant at the global level within given time period   (Hobden and Wyn Jones 2017: 133; Wallerstein 1974).   The global capitalism as a contemporary world system with fixed   structures, member groups, rules of legitimation(Wallerstein 2011:374)   is driven by the principle of persistent capital accumulation (Wallerstein 1983), founded on the existence of a global division of labour (Nau 2014), whereby international system is dominated by powerful core and semi-periphery states, whose stable political and economic structures allow them to systematically exploit less developed periphery states (Hobden and Wynn Jones 2017, Hall 2000, Mishra 2013, Wallerstein 2011). Although powerful core states no longer can exercise control over developing states by an exclusive reliance on milit ary conquest due to global spread of democratic values and principle of self-determination (Reynolds 2000), they are willing to resort instead to a variety of cultural, political and economic mechanisms in order to maintain an overall stability of the capitalist world system (Hall 2000, Hobden and Wynn Jones 2017, Mishra 2013, Wallerstein 1974, Wallerstein 1996). As a result, despite regular occurrences of certain crises and structural inconsistencies, the world system displays extraordinary capacity to expand and reproduce its continual dominance, as long as it is able to guarantee stable surplus extraction and domination of the capital over the working classes (Lee 2011, Wallerstein 1996).Having defined WSA, the next section of the essay will examine social, economic and political consequences of colonialism on developing states. Economic   Consequences of colonialism As noted earlier, the capitalist world system provided powerful core states with an opportunity to exploit less developed periphery countries through systematic through draining off the surplus production, often using raw materials and natural resources of the developing countries for personal capital accumulation at the expense indigenous population (Rodney 1981, Frank 1967, Headlee 2010:15, Wallerstein, 1983). In this context, the most immediate economic repercussion of the colonialism process was the need to radically transform the existing economic structures in order to allow greater national development once the colonizers left (Shillington 1989, Reid, 2009). The problem was compounded by the fact that basic economic and transport infrastructure in newly independent states was in a disastrous condition after decades of the prolonged use by colonizers (Shillington, 1995). As a result, faced with strong electoral pressures and largely inefficient economic structures, national elites in the developing states were in effect forced to open their domestic markets to MNCS in order to finance domestic financial reform programme (Shillington 1995, Rodney 1981, Frank 1967, Fieldhouse 1999).   Despite the fact that in some cases, like Hong Kong and Singapore, such policy was successful in creating sufficient structural conditions for these states to pursue sustainable economic growth (Ricklefs et. al. 2010, Manhubani 2009; Held   et. al. 1999, Mauze and Milne 2002), it is equally important to remember that in most cases it had multiple negative financial consequences, often reinforcing patterns of exploitation and dependence for the developing countries (Reid, 2009, Rodney 1981; Shillington, 1995; Frank, 1967). For instance, once Ghana opened its economy to foreign capital, its key economic sectors were privatized by French and American corporations, making country politically and economically dependent on foreign investors. In this case, although formally independent, countrys national economy, natural resources and commodities are still being exploited by the same powerful core states (Shillington 1995). The same patterns of exploitation affected the majority of former French colonies, where the France still was displayed the ability to have a decisive say on the direction of national economic development through mixture of French currency Union and the growing role of MNCS in newly independent states (McWilliams and Piotrowski 2009, Young 2013, Shillington 1985). According to Frank 1967: 290, such policy also affected South American states, where national economies were heavily dependent on foreign capital, which took over the essential sectors of originally nationalised industry sectors . Furthermore, the former metropole states were able to exploit the national economies of newly independent states through policy of tariff and price imposition, which severely restricted national development opportunities for the periphery countries. Rothermund (2006:259) provides the example of postcolonial India, where the trade relations heavily benefit British firm and producers, often at the expense of weakening the influence of newly established Indian producers. The post-colonial states, which had refused to follow such policy, preferring instead an independent development path, were openly sanctioned, as in case of Vietnam, whose economic growth was restricted due to the sanctions imposed by the US following the Vietnam War (Kwon 2008). Thus, although nominally independent, the majority of post-colonial states were still exploited by powerful core states, which had negative repercussions for the developing countries, including the emergence of political crises, economic ins tability, heavy reliance on foreign capital and fragmentation of national economies, preventing newly independent states from achieving sustainable national development (Reid, 2009, Rothermund 2006, Shillington 1995, Meredith 2005, Frank 1967). Political Consequences of colonialism. If colonialism had important economic consequences on the developing countries, then undoubtedly long-lasting political impact of colonialism process should also be thoroughly examined. However, the repercussions of the colonialism process for the newly independent states had differed depending on the methods of political control exercised by colonial control. For instance, in case of Southeast Asian region, the colonialism had important positive impact on the developing states, since these states had inherited well-established bureaucracy and efficient administrative structures from colonial times. The classic example in this respect is case of Singapore where the governing elites  Ãƒâ€šÃ‚   had benefited from powerful state apparatus, efficient administrative machinery and rule of law, which allowed the ruling elites to promote and enforce a comprehensive programme of socio-economic reform, transforming the country from one of the poorest, most underdeveloped and economically unstable nations of the world into the global investment hub (Ricklefs et. al. 2010, Mauzy and Milne 2002). In contrast, the process of colonialism had different consequences on African region. The political control over these states during colonial times was exercised by a reliance on indirect strategies of political co-optation with regional and local powerholders without transforming their bases of powers whose fate depended on that of the crown (Tilly, 1992: 24).   Such political system was seriously discredited after former colonies were able to win their independence. This gave rise to a power vacuum in most African states, whereby new national elites, often with limited political experience, popular support and inefficient political structures, were required to exercise comprehensive administrative control over large territorial boundaries   with local populations often mutually suspicious or antagonistic (Deng 2008:65 as cited in George and Hilal 2013). As a result, it is possible to distinguish different political development dynamics within African states.   For instance, in countries like Egypt, Senegal and Tanzania, a generally peaceful economic transition and political stability was achieved, once charismatic and nationalist leaders were able to pursue a comprehensive programme of socio-economic reform often through a mixture of coercion restriction freedoms of political opponents groups (Reid, 2009; Osman, 2011; Hopwood, 1991; Shillington, 1989). In contrast,   the national elites in countries including Somalia, Ethiopia and Eritrea were unable to achieve sustainable political consensus, as their reform programmes was met by disobedience, fierce resistance and in some cases armed resistance from militant and guerrilla groups with an opposite ideological beliefs (Reid, 2009). In this context, political and social machinery of the state apparatus in generally is widely discredited in Africa, since political elites and existing institutions often are viewed as corrupt, inefficient and distant organizations with little interest i n public affairs (Baker, 2009). Socio-Cultural consequences of colonialism. Having examined political and economic consequences of colonialism, it is now necessary to briefly outline the cultural repercussions of this process. During colonial times, metropole states had largely imposed their principles and traditions through policy of institutionalized racism, systematic violence and social exclusion (Cohen and Kennedy 2013) in order to convince local elites and populations that their own well-being is wrapped up in the survival of the [capitalist] system as such (Wallerstein 1974:404). For instance, Christian beliefs and ideals were imported to the African states to replace customary and tribal religion with an overall belief that only the Christian-Catholic religion is capable of changing native mentality, of giving to our Africans a clear consciousness of their duties, of inspiring in them spirit of loyalty towards colonial masters (Roelens 1930, as cited in Young, 2003: 419). Such policy had severely weakened the prospects of post-colonial unity or coali tion building, as the parties and social movements originally developed in response to imposed identities. For instance, in case of Ghana, the political system was very unstable during first several decades after independence, since main political actors were organized around traditional social divisions and cleavages, imposed by British colonizers during colonial times, viewing their competitors with distrust and hatred (Reid 2009). Likewise, French colonizers had largely ignored fundamental cultural, historical and religious complexities in Algeria, advocating instead a simplified history of countrys development as an ongoing battle between civilized and progressive Berber population against violent, chaotic, radical and uncivilized Arab ethnic groups, which severely restricted the possibility of a comprehensive national unity during the first decades after the achievement of political independence (Brandt 2014, Pfostl   2014). The most vivid example in this regards is the case of Rwanda where the German and Belgian colonizers in an effort to maintain control over countrys political and economic development had created an unequitable power distribution with one ethnic group, Tutsi, enjoying extensive administrative, educational and political privileges by systematically violating the fundamental human rights of other ethnic communities (Melvern 2009, Prunier 1997). Such policy had long lasting impact on Rwandan society, resulting in an intensification of inter-ethnic tensions between competing ethnic communities, which culminated in mass genocide in 1994, when approximately 800, 000 Tutsi civilians were massacred in 100 days (Melvern 2006, Nichols 2008). These examples suggest that principles, stereotypes and identities imposed by colonizers had long-lasting impact on the social dynamics of newly independent society, often resulting in growing ethnic tensions, societal fragmentation and in some cases, organized violence against the members of particul ar ethnic or religious group. Conclusion To conclude, this paper relied on world-systems analysis, articulated by Wallerstein, in order to examine and distinguish several economic, political and socio-cultural consequences of colonialism process on the developing countries. Economically, the colonialism process had resulted in growing dependence and reliance of the developed countries on foreign capital and investment. Politically, although in some cases the inherited from the colonial times had largely benefit newly independent states to enforce development programme at the national level, in most of the cases colonialism had negative consequences, often resulting in vacuum of power, civil disorder or abuse of state institutions by the new national elites. Socially, the creation and imposition of new fixed identities and Western principles had reshaped the traditional social institutions of the colonial states, often resulting in growing tensions and conflicts between competing ethnical and religious groups. The combinatio n of these factors suggests that although formally independent, many developing countries continue to experience problems in the above mentioned areas due to persistence and importance of negative repercussions of the colonialism process. Bibliography. Brand, L. (2014). Official stories: political and national narratives in Egypt and Algeria. Stanford, California: Stanford University Press. Baker, B. (2009b). Non-state policing: Expanding the scope for tackling Africas urban violence. [Online]. Security brief, no.7. Africa: African Center for Strategic Studies. Available at http://africacenter.org/wp-content/uploads/2016/06/ASB07EN-Nonstate-Policing-Expanding-the-Scope-for-Tackling-Africas-Urban-Violence.pdf   [Accessed 15 December 2016] Cohen, R. and Kennedy, P. (2013). Global Sociology. Third Edition.   Basingstoke: Palgrave Macmillan. Fieldhouse, D. (1999). The West and the Third World: Trade, Colonialism, Dependence and Development.   Oxford, UK/Malden, Massachusetts: Blackwell Publishers. Frank, A. (1967). Capitalism and Underdevelopment in Latin America: historical studies of Chile and Brazil. New York: Monthly Review Press. George, E. and Hilal, N. (2013). Africa in Search of (in)security: Beyond the bondage of boundaries.   In Bondage of Boundaries and Identities and Identity Politics in Postcolonial Africa: The Northern Problem and Ethno-Futures. ed. Ndlovu-Gatsscheni, S. and Mhlanga,   B. Pretoria: Africa Institute of South Africa, 45-61. Hall, T. (2000) World-Systems Analysis: A Small Sample from a Large Universe. In A World Systems Reader: New Perspectives on Gender, Urbanism, Cultures, Indigenous Peoples, and Ecology. ed. by Hall, T. New York/Oxford:   Rowman Littlefield Publishers, 3-29. Headlee, S. (2010). Economic History. In 21st Century Economics: A Reference Handbook. Volume I.   ed. Free, R. London/Singapore: Sage Publications Inc., 13-23. Hobden, S. and Wyn Jones, R. (2017) Marxist theories of international relations. In The Globalization of World Politics: An introduction to International Relations. ed. by Baylis, J., Smith, S. and   Owens, P., 7th Edition. New York and Oxford: Oxford University Press, 129-144. Hopwood, D. (1991). Egypt: Politics and Society 1945-1990. Routledge: London and New York. Kwon, H. (2009). Ghosts of War in Vietnam. Cambridge and New York: Cambridge University Press. Krishna, S. (2009). Globalization and Post-colonialism: Hegemony and Resistance in the twentieth century. New York/London: Rowman Littlefield Publishers. Mauzy, D. and Milne, R. (2002). Singapore Politics under the Peoples Action party. London and New York: Routledge. McWilliams, W. and Piotrowski, H. (2009). The World since 1945: A History of International Relations. 7th Edition. Boulder/London: Lynne Rienner Publishers Inc. Melvern, L. (2006). Conspiracy to Murder: the Rwandan genocide. Revised edition. London: Verso. Melvern, L. (2009). A people betrayed: the role of the West in Rwandas genocide. New Updated edition. London and New York: Zed Books. Meredith, M. (2005).   The State of Africa: A History of Fifty years of independence. London: Free Press. Mishra, R. (2013). World Systems Theory: Understanding the Capitalist Design.   Asian Journal of Multidisciplinary Studies [online] 1 (3), 160-168. available from http://ajms.co.in/sites/ajms2015/index.php/ajms/article/viewFile/251/231   [12 May 2017] Nau, H. (2014). Perspectives on International Relations: Power, Institutions, and Ideas. 4th Edition. New York: CQ Press. Nichols, T. (2009). Eve of destruction: the coming age of preventive war. Philadelphia: University of Pennsylvania Press. Osman, T. (2011). Egypt on the brink: From the Rise of Nasser to the Fall of Mubarak. Yale University Press: New Haven and London, 2nd Revised Edition. Wallerstein, I. (1996). The inter-state structure of the modern world-system. In International Theory: Positivism and Beyond. eds. Smith, S., Booth, K. and   Zalewski, M. Cambridge: Cambridge University Press, 87-108 Pfostl,   E. (2014). The role of the Amazigh Movement in the processes of Political Reform in Postcolonial Algerian Society.   In The Multiculturalism and Minority Rights in the Arab World. ed. Kymlicka, W. and Pfostl, E. Oxford: Oxford University Press, 151-174. Prunier, G. (1997). The Rwanda Crisis: History of Genocide. Revised Edition. London: Hurst Company. Rodney, W. (1981). How Europe underdeveloped Africa. Revised edition. Washington, D.C.: Howard University Press. Reid, R. (2009). A History of Modern Africa: 1800 to present. Malden/Oxford: Wiley-Blackwell. Reynolds, D. (2000). One world divisible: a global history since 1945. New York/London: W.W. Norton. Ricklefs, M., Lockhart, B., Lau, A., Reyes, P., Aung-Twin M.   (2010) A New History of Southeast Asia. Basingstoke: Palgrave Macmillan. Rothermund, D. (2006). The Routledge Companion to Decolonization. London and New York: Rouledge. Shillington, K. (1989). History of Africa. London: Macmillan Education. Shillington, K. (1995). History of Africa. Revised and Updated Edition. London: Macmillan Education. Tilly, C. (1990). Coercion, capital, and European States, AD 990-1992. Revised Edition. Cambridge, MA/Oxford: Blackwell. Wallerstein, I. (1974). The rise and future demise of the World Capitalist System: Concepts for comparative analysis. Comparative Studies in Society and History [online] 16 (4), 387-415. available from http://www.jstor.org/stable/178015?seq=1#page_scan_tab_contents [13 May 2017] Wallerstein, I. (1983). Historical Capitalism. London Verso Editions. Wallerstein, I. (1996). The inter-state structure of the modern world-system. In International Theory: Positivism and Beyond. eds. Smith, S., Booth, K. and   Zalewski, M. Cambridge: Cambridge University Press, 87-108. Wallerstein, I. (2000). The Essential Wallerstein. New York: The New Press. Wallerstein, I. (2004). World-Systems Analysis: an introduction. Durham/London: Duke University Press. Wallerstein, I. (2011). The Modern World-System I: Capitalist Agriculture and the Origins of the European World Economy in the Sixteenth Century. Berkeley: University of California Press. Young, C. (2003). Zaire: The shattered illusion of the integral state. In The Decolonization reader. ed. Le Sueur, J. New York/London: Routledge, 414-428. Young, C. (2013). The Heritage of Colonialism. In Africa in World Politics: Engaging a Changing Global Order. ed. by Harbeson, J. AND Rotchild, D. Boulder: Westview Press, 15-35.

Eulogy for Friend :: Eulogies Eulogy

Eulogy for Friend Today we celebrate the life of my dear friend, Jerome. Jerome, you were my teacher, my mentor and my dear friend. You provided me your counsel and wisdom. You shared your joyous smile and laugh. You shared your zest for life and the passion for all those things that were important to you. I know you would want me to share my Jerome story with everyone. It is the story of a teacher and student, a mentor and a friend. In 1984, Jerome’s first year at Duke, I was a first year law student. Jerome was my professor for Torts. We all got to know Jerome as more than just a professor. He joined in our after class pick-up basketball games and ran the court with his students. I had no idea at that time how important Jerome would become in my life. During my first year of law school, I was particularly challenged by the workload and my concerns about my ability to do as well as my peers. Jerome and I had many personal conversations where he encouraged me and told me to keep working hard. He assured me my performance would ultimately be reflective of how hard I worked. The first year of law school was very difficult for me financially as my fathers business had previously gone into bankruptcy leaving me with very limited family support. I had to finance my entire first year with student loans. Although I had done quite well academically my first year, thanks to Jerome’s continued support, I made a difficult life decision to drop out after my first year due to my financial difficulties. The same day I met with the Dean to discuss my decision, I later ran into Jerome near the student lounge. He knew something was not right and asked me if I wanted to talk. We then had another one of those personal conversations where I so much appreciated his counsel and insight. After my semester off, I returned to school with a new scholarship from Duke but still no place to live or means to support myself. Jerome very graciously offered me the opportunity to live in the upper floor of his home adjacent to East Campus. This was rent free in exchange for helping him fix up his house. Jerome allowed me to stay there through graduation. Jerome became a great friend and mentor to me as I always turned to him to discuss life’s challenges and opportunities. Eulogy for Friend :: Eulogies Eulogy Eulogy for Friend Today we celebrate the life of my dear friend, Jerome. Jerome, you were my teacher, my mentor and my dear friend. You provided me your counsel and wisdom. You shared your joyous smile and laugh. You shared your zest for life and the passion for all those things that were important to you. I know you would want me to share my Jerome story with everyone. It is the story of a teacher and student, a mentor and a friend. In 1984, Jerome’s first year at Duke, I was a first year law student. Jerome was my professor for Torts. We all got to know Jerome as more than just a professor. He joined in our after class pick-up basketball games and ran the court with his students. I had no idea at that time how important Jerome would become in my life. During my first year of law school, I was particularly challenged by the workload and my concerns about my ability to do as well as my peers. Jerome and I had many personal conversations where he encouraged me and told me to keep working hard. He assured me my performance would ultimately be reflective of how hard I worked. The first year of law school was very difficult for me financially as my fathers business had previously gone into bankruptcy leaving me with very limited family support. I had to finance my entire first year with student loans. Although I had done quite well academically my first year, thanks to Jerome’s continued support, I made a difficult life decision to drop out after my first year due to my financial difficulties. The same day I met with the Dean to discuss my decision, I later ran into Jerome near the student lounge. He knew something was not right and asked me if I wanted to talk. We then had another one of those personal conversations where I so much appreciated his counsel and insight. After my semester off, I returned to school with a new scholarship from Duke but still no place to live or means to support myself. Jerome very graciously offered me the opportunity to live in the upper floor of his home adjacent to East Campus. This was rent free in exchange for helping him fix up his house. Jerome allowed me to stay there through graduation. Jerome became a great friend and mentor to me as I always turned to him to discuss life’s challenges and opportunities.

The Decline of Literacy Essay -- Argumentative Persuasive Topics

An decline has occurred in the amount of time young people spend reading. The loss of interest in teenagers for reading has resulted from the invention of the moving picture. No longer do teenagers open their imaginations to create a vision of stories portrayed in books. The visions have already been provided for them in the forms of movies, video games, and television. A common pastime for teenagers is movie watching. Every weekend, and occasionally week nights, one can find hundreds of young people at movie theaters. Great stories that were once only obtainable through reading have been made into movies, attracting millions of young people to watch. I recently went to see the movie remake of Stephen King's book The Green Mile. I had beforehand read the book. To me, the movie did not accurately portray King's book. Most of the young people I asked to compare the movie and the book told me they had never even heard of the book version of The Green Mile. I found the fact that movies have replaced the thrill of reading for teenagers very discouraging. Video games ar...

Mrs Aesop Analysis Essay

‘The worlds wife’ is a collection of poems by Duffy written by the female halves of well-known men of time in both reality and myth. Duffy has created a literal version of an old saying behind every great man there is an even greater woman. These poems are both shocking and thought provoking as Duffy steps into the shoes of every woman, whose partner has affected history or the world in any way and given them a voice. Aesop was a fabulist credited with a number of fables now collectively known as ‘Aesop’s Fables’. Although his existence remains uncertain and no writings by him survive, numerous tales credited to him were gathered across the centuries and in many languages in a storytelling tradition that continues to this day. In many of the tales, animals speak and have human characteristics. The impious (disrespectful) opening, ‘By Christ’ foregrounds Mrs Aesop’s disrespectful attitude towards her husband. She says he can ‘bore for Purgatory’ – this is a reference to the Catholic belief in a conceptual space between heaven and hell in which souls are condemned to suffer for their sins after death. Through this Mrs Aesop is literally expressing that her husband is capable of making such a place as purgatory worse than it already is. Aesop’s wife belittles him – ‘he was small’ – and the use of the internal rhyme â€Å"didn’t prepossess. So he tried to impress† is both comic and cutting. Through the continuous references to Aesop’s fables, Mrs Aesop is clearly mocking and disrespecting his works that were popular with so many. On the fourth line of the first stanza, Mrs Aesop puts her own twist of one of her husbands many fables – â€Å"a bird in the hand is worth two in the bush†, changing it to, â€Å"the bird in his hand shat on his sleeve†. By putting this nasty little twist on his work, she is disrespecting both her husband and his work, reflecting her feelings that she appears to have been bottling up for a while. The sheer number of allusions reflects the deadening effect that his fables have on Aesop’s wife. In the first stanza, the end focus on ‘Tedious’, emphasised by the caesura that precedes it, highlights how she  perceives his stories. The fables are chosen to reflect Aesop’s dull, cautious nature – he is the ‘shy mouse’, ‘the jackdaw’, one of the ‘donkeys th at would, on the whole, prefer to be lions.’ It appears that through Duffy writing this poem, Mrs Aesop is finally able to convey her inner thoughts to an audience, bringing her huge relief. In the second stanza, Duffy mocks Mr. Aesop, â€Å"look, then leap†. Duffy has used alliteration to emphasise the childlessness and immaturity of her husband and that his work represents him, making that childish and immature also. Duffy continues this idea onto the third stanza, describing their evening stroll as appalling, and using the tortoise from one of Mr. Aesop’s most famous fables – the hair and the tortoise – as a simile, by describing the way it crawled as â€Å"slow as marriage, indicating that her marriage is tedious and boring, like his work. Duffy uses numerous successful techniques to convey Mrs Aesop’s views of her husband Mr Aesop and his work. However, like in many of Duffy’s poems where she convinces the reader to back the women, due to her feminist views, I don’t believe that she does this in this particular poem. I sympathise with Mr Aesop as his wife is mocking and disrespecting him and his work, something that he takes a lot of pride in.

Panera Bread Case Analysis

Panera Bread Company is a leader in the easy casual restaurant industry with multiple cafà ©-bakeries located in 36 states, of the United States. Panera operates under the banner of Panera and Saint Louis Bread Company. Almost 400 of its 1,027 bakeries are company-operated and the remainders are franchisees. Panera Bread’s core competencies are in their market niche, offering a premium specialty bakery and cafà © experience to suburban and urban residents. Penera’s focus is offering their customers with better than their rivals, making the dining experience so attractive to their customers will pass up their competitors in outlets of other easy casual restaurants to dine at the nearest Panera Bread A strategic issues is substitutes and threats of substitutes in Penear Bread Company’s distinctive competencies, their menu. Penera’s menu is being substituted by new rivals. New restaurant chains, in fast-casual and other categories are becoming more competitively fierce and are drawing customers by imitating Panera’s menus at a lower cost. To address this strategic issue, I recommend Panera to employ an offensive strategy to increase sales during prime times such as lunch and dinner, continue to be more innovative by implementing in-depth surveys to customers, employees, via text messages, e-mails, etc., and execute a plan for managers to manage by walking around (MBWA) communicating and listening to employees and customers. Example, this technique has worked successfully for companies like Wal-Mart who have been very successful in using the (MBWA) strategy. This will draw and boost their customer base giving them a sustainable competitive advantage.

A Case Study of Nabil Bank

CHAPTER- I INTRODUCTION 1. 1 Concept of Banking The term â€Å"Bank† is derived from the latin word â€Å"bancus†, Italian word â€Å"banca†, French word â€Å"banque† which means bench used by medieval money exchanges and German word â€Å"bank† which means joint stock company. According to oxford dictionary bank means â€Å"an establishment for keeping money and valuable safety of the money being paid out on the customer order by means of cheque.Historically, banks have been recognized for the great range of financial services they offer from checking accounts of saving plans to loan for businesses consumers and governments. Hence, bank can be identified by the function they perform in the economy. Bank is a financial institution which deals with money. Banks collect the money from the surplus unit (savers) and lend to deficit units (users). Bank raises the funds by accepting deposits, borrowing funds and issuing equity.These funds are used by th e banks to buy securities and to make loans. Since, it accepts deposits and grants loan, it is regarded as the trader of money. Banks can be divided int three types on the basis of their functions and services ie. Central bank, Commercial bank and Development bank. Commercial bank offer services to individuals, hey are primarily concerned with receiving deposits and lending to businesses. Commercial bank is also known as the financial service needs in the economy. 1. Introduction of Nabil Investment Banking Nabil Bank Limited, the first foreign joint venture bank of Nepal, started operations in July 1984. It has paid up capital of NRs200 million. Nabil was incorporated with the objective of extending international standard modern banking services to various sectors of the society. Pursuing its objective, Nabil provides a full range of commercial banking services through its 47 points of representation across the kingdom and over 170 reputed correspondent banks across the globe.Nabil Bank Limited with its mission to be the 1st Choice Provider of Complete Financial Solutions ventured into capital market related activities and incepted its fully owned subsidiary – â€Å"Nabil Investment Banking Ltd. (Nabil Invest)† which renders investment banking related services to the masses. Thus, Nabil Invest targets to establish itself as one of the leading Merchant Bankers in its short span of operation and as an Investment Banker with strong professional expertise in long run introducing innovative products and services in the Nepalese capital market with strict adherence to prevailing rules and regulations. . 2. 1 Services of Nabil Investment Banking Nabil Invest renders its institutional and retail clients wide range of services some of which are delivered currently while others will be delivered in due course with required exploration & innovation and due approval received from the Regulators as and when required, detailed as under; 1.Management of Public Offers/Further Public Offers Nabil Invest renders both its institutional and retail client services of managing public offer of shares/ debentures/right issuance of securities to existing shareholders/further public offer of securities etc to its clientele and has team of professional expertise to render quality services at competitive rates. . Underwriting Nabil invest on selective basis post independent appraisal of proposals reviewed through its professional team is rendering underwriting related services to its clientele as SEBON has made it mandatory for all institutions going public to underwrite at least fifty percent of the securities on offer prior public issue. 3. Portfolio ManagementThe Clients can delegate all their investment management related decisions to a pool of corporate finance experts of Nabil Invest who inturn will use the vast pool of industry specific data collected and analyzed by its research unit for making investments for clients portfolio which focuses primarily on safety of principal investment along with maximization of returns to Clients. 4. Registrar to Securities (RTS)Nabil Invest renders Registrar to Securities (RTS) related services to the valued shareholders of its institutional client and in the process keep on improving quality & timely delivery of services, the major hitch in this nature of services by competing institutions. 5. Loan Syndication Nabil Invest will use its existing relationship with other Banks/Financial Institutions to acquire required financial support for the financial closure of certain projects which it identifies as feasible and recommends for investment.The financial closure will be reached with either one institution or a syndicate of Banks/Financial Institutions depending on the size of projects and the requirement to diversify the risks to various portfolios from the part of member Banks/Financial Institutions. 6. Other Services Besides the services identified, Nabil Invest will always keep on e xploring innovative products and services that matches regional and global standards and target to launch the same in customization with the local market with due approval taken from the Regulators, if & when required.Thus, Nabil Invest intends to cater wide clientele rendering Investment Banking related services setting example and obtaining first mover advantage in the capital market of the country. 1. 3 Objectives of the fieldwork The objectives of the fieldwork are as follows:- ?To identify capital structure of Nabil Invest ?To analyze financial position and performance of Nabil Invest ? To evaluate portfolio of Nabil Invest 1. 4 Methods of Data collection Data collection is the process of collection of data and information through different sources or methods. To prepare this fieldwork report, the following method has been used:- Secondary Method:-The data , which is not orginally collected but obtained from published and unpublished sources, are called secondary data. These da ta are not original in character. The sources helping as secondary data for this field work reports are the annual reports of Nabil Bank, websites of nabil bank and nabil investment, books etc. CHAPTER-II DATA ANALYSIS AND PRESENTATION 2. 1 Capital Structure of Nabil Invest Table 2. 1: Capital Structure |Proposed|Effective| |NRs(000)|%|NRs(000)|%| Nabil Bank|78000|52|78000|74. 29| CG Finco P. Ltd|27000|18|27000|25. 71| General Public|45000|30|-|-| Total|150000|100|105000|100|Source:- Annual Report of Nabil Bank From the above table, it is shown the proposed and effective capital structure of Nabil invest. Nabil Invest proposed 52% capital of Nabil Bank, 18% capital of CG Finco P. Ltd and 30% capital of General Public. However, Nabil Invest's effective capital structure is 74. 29% by Nabil Bank and 25. 71% by CG Finco P. Ltd. It can be shown graphically as follows:- Fig 2. 1:- A Pie chart of Proposed Capital Structure of Nabil Invest Fig 2. 2:- A Pie chart of Effective Capital Struct ure of Nabil Invest 2. 2 Financial position and performance of Nabil Invest 2. 2. 1 Balance sheet of Nabil InvestTable 2. 2: NRs(000) Capital & Liabilities|2010/11|2009/10| Share Capital|105000|70000| Reserves and Surplus|7457|-529| Accounts Payable|7218|2628| Provision for Staff Bonus|1065|-| Deferred Tax Liability|60|-| Other Liabilities and Provisions|694|17| Total|121494|72117| Assets|2010/11|2009/10| Balance with banks|26337|70000| Investments|83400|-| Advance tax (net of income tax liabilities)|4453|-| Fixed assets (net of depreciation)|6169|1941| Deferred tax assets|-|176| Other assets|1135|-| Total|121494|72117| In the above, the balance sheet size grew by around 68% mainly due to rise in paid up capital.Paid-up capital which got increased by NRs. 35million was contributed by CG Finco P. Ltd. NRs. 27 million and Nabil Bank NRs. 8 million. In addition, net profit earned during the year also contributed to increment. Net worth of the Company surpassed paid-up capital after it registered profit. It can be graphically presented as below:- Fig:- A Bar Diagram of Assets And Share Capital of Nabil Invest 2. 2. 2 Income Statement of Nabil Invest Table 2. 3:NRs (000) Particulars|2010/11|2009/10| IPO Fees|305|-| Interest Income|12979|-| Management Services|6196|-| Gross Income|19480|-| Personnel Expenses|1574|222|General Operating Expenses|4927|482| Depreciation charge|1267|-| Gross expenses|7768|705| Operating Profit|11712|-705| Staff Bonus|1065|-| Profit before Tax|10647|-705| Tax Expense|2662|-176| Profit after Tax|7985|-529| Opening Retained Earning|-529|-| Closing Retained Earning|7457|-529| Source:- Annual Report of Nabil Bank A significant volume of the profit was contributed by interest income which not only incorporates return on equity placement but also the proceeds realized in the form of sharing of interest income with BFIs / Other Institutions whose public offers are being managed by NI in the capacity of Issue Manager.In addition, the Company also managed to earn returns by rendering specialized management services to the Bank. It is graphically Presented as :- Fig:- A bar diagram of profit of Nabil Invest 2. 3 Portfolios of Nabil Invest Table2. 4: (in million) Particulars|2010/11|2009/10| 1. Nepal Government Treasury Bills|6489|5896| 2. Nepal Government Saving Bonds|-|-| 3. Nepal Government other securities|2255|2077| 4. Nepal Rastra Bank Bonds|-|-| 5. Foreign Bonds|178|187| 6. Local Licensed Institutions|305|-| 7. Foreign Banks|3661|5391| 8. Organized Institutions' Shares|192|159| 9.Organized Institutions' Bonds andDebentures|-|-| 10. Other Investments||| 10. 1 NCM Mutual fund|1. 2|1. 2| 10. 2 Swift Investment|1. 6|1. 5| Total Investment|13082. 8|13712. 7| Source:- Annual Report of Nabil Bank The above table shows the portfolios of Nabil Invest in different securities and bonds. Here the two years fiscal years investment portfolios are provided. In the given table the highest amount of investment was done in Government Tre asury Bills. It can be identify that Nabil Invest is targeted towards the Government T- bills and securities. It can be due to no default risk and it is a risk free asset.I has also a high rate of investment in foreign banks. The lowest amount of investment of Nabil Invest is in mutual fund and Swift Investment. The above table is presented in a graph as below:- Fig:- A bar diagram of Portfolios of Nabil Invest 2. 4 Study Result After thoroughly analyzing, it is analyzed that Nabil bank has been operating as the subsidiary bank for Investments ie. Nabil Investment Banking. Nabil Investment Banking (Nabil Invest) is providing innovative, quality and timely services to the investors at large. From the analysis of data, it the capital structure of Nabil Invest has been identified.The proposed capital structure of Nabil Invest is 52% by Nabil bank, 18% by CG Finco P. Ltd and 30% by the General Public. But it is in effect that 74. 29% of capital is owned by Nabil bank and 25. 71% capital is owned by CG Finco P. Ltd. From this it can In F/Y 2009/10, the profit after tax is negative NRs 529,000 whereas in F/Y 2010/11, the profit after tax is NRs 7,985,000. This shows the increasing trend of profit of Nabil Invest. The high volume of the profit was contributed by the interest income. The portfolios of investment shows the different areas of investment by Nabil Invest.The highest amount of investment of Nabil Invest was Government Treasury bills for fiscal year 2009/10 and 2010/11 ie. NRs 5896 million NRs 6489 million respectively. It has also invested in Government Bonds, Securities and other Investments. CHAPTER-III SUMMARY AND CONCLUSION 3. 1 Summary NABIL Bank stands as the Bank of 1st Choice in the industry considering its network, a number of branches, a large capital base, diverse customized services and products, a chain of ATMs service points covering a wide regional / local spectrum. NABIL stands ahead in everything it does.The strategic purpose of Nabil is t o create values and economic opportunities across all the economic zones of the country and architecting products and services to that end. Nabil Investment Banking (Nabil Invest), a subsidiary of Nabil bank Ltd is rendering the investment banking related services to the masses. Thus, Nabil Invest targets to establish itself as one of the leading Merchant Bankers in its short span of operation and as an Investment Banker with strong professional expertise in long run introducing innovative products and services in the Nepalese capital market with strict adherence to prevailing rules and regulations.From the analysis, Nabil Invest has 74. 29% capital of Nabil Bank and 25. 71% capital of CG Finco P. Ltd. However, the proposed capital structure of NI is 52% of Nabil Bank, 18% of CG Finco P. Ltd and 30% of General Public. The income statement of Nabil Invest shows increasing trend of profit in each fiscal year ie. NRs 7985000 in F/Y 2010/11 and negative NRs 529000 in F/Y 2009/10. In fis cal year 2010/11 the profit was contributed by the interest income which not only incorporates return on equity placement but also the proceeds realized in the form of sharing of interest income.The balance sheet of Nabil Invest shows the increase in amount of share capital of Nabil Invest as well as increased in fixed assets and other assets. From Investments Portfolios of Nabil Invest, it is recognized that highest amount of investment has been made for the Government Treasury Bills in each fiscal year. The lowest amount of investment has been made for other investments like NCM Mutual Fund and Swift Investment. 3. 2 Conclusion From the above study, it is clear that for the purpose -†To be the first Choice Provider of Complete Financial Solutions† Nabil bank has created a subsidiary ie.Nabil Investment Banking Ltd. (Nabil Invest). Nabil Investment over the period will be managing public issues, underwriting of securities, management of client's portfolio & rendering th e services of the registrar to securities to client institutions. In addition, the unit will also be delivering Bond/Debenture Trusteeship services, work as Assets Management Company of the mutual fund promoted by Nabil, provide investment advisory services etc.Further, the Unit will keep on exploring and introducing innovative instruments in the Nepalese capital market. It is providing innovative, quality and timely services to the investors at large. Thus, the ultimate goal of Nabil Invest would be to stabilize the unit as just not a Merchant Banker but as an Investment Banker providing innovative, quality and timely services to the investors at large. This would differentiate itself from its competitors and create a niche of itself in the market.

Computer Literacy Essay

The computer technology became a very important aspect in human lives that is greatly relied upon. Nowadays personal computers are made quite affordable and allow for easy and fast way to access information and solve problems in daily life. Life is a continuous information interchange and technological progress helps accelerate this exchange. However, people are so dependable on computers that they do not realize the impact it has on literacy. Computer literacy is essential in our modern society but with great advantages of this skill come disadvantages that can have a negative impact on the three basic skills such as reading, writing and arithmetic. Reading is a skill that is taught from a very young age that makes people more intellectual and formed in an everyday life. Technology made access to information very simple which is why many people turn to computers for news, books and others sources of information. A trip to a library or a newspaper shop is a thing of the past since everything is available at your fingertips in the comfort of your own home. However reading from a computer screen can be much slower and inefficient. In the following quote,â€Å"These differences in reading speed are assumed to be due to a declined sense of orientation when reading long lines of online text presented in single wide columns† it is evident that reading from a computer screen can affect the reading speed when comparing to reading from the book. A person can easily lose track of where they are when reading from a screen and as a result this can affect comprehension of the text. This is evident in the â€Å"Failure to Connect† by Jane Healy, â€Å"Reading from the screen is slower, more fatiguing, less accurate, and more subject to information overload than standard reading. In several studies, students tested for comprehension after reading from a screen demonstrated less understanding and poorer memory than those getting the same information from a book. They tended to get lost or flip too quickly through the screens without reading† . When reading of the computer screen people tend to stare and blink less causing static stare which increase chances in eye strain and headaches, while on the paper there is rapid and rhythmic eye movement which significantly causes less strain on the eyes. Reading printed text gives a reader time to reflect and imagine thus creating an overall different environment. Clifford Stoll also points out a negative effect of computer literacy on reading, he writes â€Å"As computers replace textbooks, students will become more computer literate and more book illiterate. They’ll be exploring virtual worlds, watching dancing triangles, downloading the latest Web sites. But they won’t be reading books† . When computers were invented there was an argument that this technology will sharpen intellectual skills and their development which in part is true through the use of various teaching software. However it seems that people spend more time on entertainment such as online chatting and playing games rather than taking an advantage of reading an intellectual book which is certainly intended to teach. Writing is another skill that produces human literacy. Writing on the computer changes the way of writing and the nature of the relationship between the writer and his writing. â€Å"Writing requires focused attention, and anything that diverts attention away from the process of writing (in particularly, thinking about what to write) is going to affect the quality of the work produced† . As mentioned by Armstrong and Casement writing requires focused attention and writing on the computer can be very distracting since online chatting software or other means of distractions are only a click away. Writing can be frustrating at times since organizing and expressing your thoughts is always difficult but it can be much harder to do using the computer due to distractions. Work written using the computer appears stilted and less considerable even though it is neater. However, the hand written work appears better organized, and has a better expression of thoughts as there is no distraction. There is an advantage to reviewing several pages at the same time when hand writing rather than on the computer where you can only see a page at once. People tend to focus more on how their work looks paying more attention to things such as font size and alignment instead of organizing their thoughts and what to write. Many people think that writing aids on the computer are good for their writing, but this is not true. As Jane Healy says, â€Å"Computers will not themselves teach writing skills† , computer ought to help in writing, but they will not teach those skills. Due to the word processing software a lot of students cannot write clearly and punctually nowadays. Clifford Stoll made a very good point about writing on the computer, he said â€Å"Instead, you type delete or undo. Your mistakes don’t teach you as well† . Since it is so easy to use spell-check that people tend to not pay attention to their mistakes and let word processing software do the job. Quite frequently the software automatically corrects mistakes while typing that a person does not realize he spelled the word incorrectly. The trend of online chatting and text messaging also has a huge impact on writing skills due to the use of short forms. Arithmetic is the third basic skill which develops human logic. Computer is not a way to develop logic because it only gives someone else’s logic. There are programs which solve problems and calculate answers, but they certainly teach nothing. Students find answers to problems online or in special software without understanding and manipulating the concepts. As the example of this problem, â€Å"The World Wide Web will tell me the volume of water behind Egypt’s Aswan Dam – a fact. Far more useful is to know how to calculate this number – a skill† . The use of calculators can greatly affect the understanding of numerical relationships since students go from numbers to answers skipping the fundamentals of understanding the concept. This is evident in â€Å"High Tech Heretic† by Clifford Stoll, â€Å"No surprise that students weaned on calculators can’t multiply in their heads. They can’t divide. They’re minimally cognizant of basic arithmetic† . Computer programs and calculators work against learning basic arithmetic and have a big effect on the arithmetic skills. Students are dependent on computer programs and calculators that without the use of this technology, their skills are very limited because they are taught on how to plug in the numbers to get answers without understanding the concept. As another example of a computer program Logo, â€Å"I see Logo as a means that can, in principle, be used by educators to support the development of new ways of thinking and learning. However, Logo does not in itself produce good learning anymore than paint produces good art. † . Logo does not fit in mathematical skills, because it is just a program that solves the problems. The program makes to believe that there is always answer to the problem-solving, where one click on the mouse will show you the answer. The very good point was in the book â€Å"The Cult of Information† by Theodore Roszak, he says â€Å"The problem that AI(Artificial Intelligence) has encountered in pursuing its inflated claim are illuminating, if for no other reason that they reveal the limitations of the mathematical mind when it strays beyond the boundaries of pure reason – or rather seeks to extend those boundaries into the real world† . Mathematics is a translation of problems into an abstract view where numerical solutions are converted into understanding which neither computer programs nor calculators can do. Nowadays, there is surprisingly a big amount of people that do not get the mathematical concepts and the logic of solutions. Computer literacy has a negative influence on the three basic skills. There is nothing taught using computers, except of a bad access of information, the manner of its presentation, manipulation, and the easy answers. Computer cannot impart information to a human. It can only changes human views to a life. â€Å"They dull the skills we use in everyday life† .