Law and Ethics Case Study †Nestle Essay

Numerous legitimate and moral issues in Public Relations originate from huge partnerships drive to amplify benefits. A case of this is Nestles untrustworthy direct with respect to their newborn child milk in the mid 70’s, causing a tremendous outrage. Alongside other forceful promoting methods Nestle was selecting formally dressed Nurses to convey the child equation and pamphlets for nothing in emergency clinics and maternity wards in the creating scene, for example, in Ethiopia and Indonesia. Settle gave new moms this equation long enough for their own milk to evaporate, hence driving them getting subject to the recipe, and at the time United States Agency for International Development official Dr Stephan Joseph accused ‘reliance for child recipe for a million newborn child passings consistently however unhealthiness and diarrheal diseases’, indicating the potential impacts of Nestles unscrupulous publicizing in the creating scene. http://www.businessinsider.com/ settles baby equation outrage 2012-6?op=1 Nestle gave unexpected frailty laborers gifs to advance their items just as supporting clinic items, for example, marking infant wrist groups and attendants solution cushions to get the brand in the bleeding edge of people’s minds and trust it has useful items because of social insurance support. Settle subverted new moms trust in bosom taking care of by the advancement of its newborn child milk and mishandled the need for westernization in the creating scene. There are numerous issues encompassing Nestles baby milk and its advancement. Recipe is less sound for an infant and impressively more costly than bosom milk. In the creating scene most couldn't bear the cost of this cost so gave their youngster powerless milk to make the recipe last, prompting kids getting cut off absence of supplements and nutrients that they require for solid development. The recipe likewise requires clean water which in numerous spots in the creating scene isn't accessible, expanding the spread of sicknesses and looseness of the bowels inside babies. The baby recipe additionally needs essential supplements that an infant needs. This shows how Nestle exploited the undereducated who don't get sanitation and dietary needs. Marks were additionally not meant the nations where the item was been dispersed, so a full comprehension of the item was being retained. Settles advancement and broad circulation of child equation in the creating scene prompted enormous harm to the brands notoriety all around, particularly in the created world which thus prompted a worldwide blacklist of Nestle in the late 70’s prompting a colossal fall in marketing projections and absence of trust in the brand. Many made Nestles exploitative conduct open including the New Internationalists uncover portraying the disputable showcasing rehearses used to get thirds world moms ‘hooked’ on equation, distributed in 1973. In 1974 London’s War on Want association likewise distributed a booklet on Nestles conduct called the ‘baby killer’ uncovering the outcomes of infant equation and untrustworthy advertising methods. This association and its interpreters were later sued by Nestle for its distribution. * Even however Nestles conduct was viewed as incredibly untrustworthy it was not unlawful as no laws were set up encompassing showcasing of child food items. In any case, because of open shock and familiarity with Nestles exploitative promoting rehearses hearings were held in 1978 between the US Senate, the World Health Organization, UNICEF and the International Baby Food Action Network which prompted another arrangement of advertising rules for child recipe and food items and by 1981 the worldwide codes of showcasing bosom milk substitutes had been made. Key purposes of these guidelines are demonstrated as follows. Infant food organizations may not: * advance their items in emergency clinics, shops or to the overall population * give free examples to moms or free or sponsored supplies to medical clinics or maternity wards * offer endowments to wellbeing laborers or moms * elevate their items to wellbeing laborers: any data gave by organizations must contain just logical and authentic issues * advance nourishments or beverages for babies * give misdirecting data * There ought to be no contact between child milk organization deals staff and moms. * Labels must be in a language comprehended by the mother and should incorporate an unmistakable wellbeing cautioning. * The names must exclude language which romanticizes the utilization of the item. http://www.who.int/nourishment/distributions/code_english.pdf Companies should likewise portray the expenses and potential results of utilizing the recipe as anâ alternative to bosom milk and it must be clarified that bosom milk is the most advantageous alternative for an infant. These rules will be leads and are not laws so are not legitimately enforceable except if they have been consolidated into the lawmaking body of a country state. Numerous nations have joined the standards into law anyway this does exclude the US or the UK. Thusly authorization of these guidelines can once in a while be viewed as being frail. In 1995 publicizing on infant equation was restricted anyway numerous organizations use escape clauses to advance their items, for example, brand name and follow on recipe promoting, and numerous social rights bunches despite everything blame Nestle and different organizations for extending the guidelines. There are numerous moral issues encompassing Nestles child milk equation and its promoting and circulation, however because of absence of guidelines at that point, no laws were broken. The item that was being conveyed and advertised was baby recipe which has been demonstrated to block newborn child development and adds to superfluous damage, enduring and passing of children, particularly in creating nations where clean water, required for the equation is infrequently accessible. At the time the World Health Organization found that babies on recipe in creating nations had death rates five to multiple times higher than those of bosom took care of infants, and Save the Children’s State of the World report says that ‘six long stretches of selective breastfeeding are said to expand a child’s possibility of endurance by six times’. http://www.businessinsider.com/settles baby recipe outrage 2012-6?op=1 Settle is additionally observed to have mishandled poor people, exploiting the undereducated and unskilled just as manhandling the need for westernization in the creating scene. By doing this Nestle is additionally reassuring neediness by making more expenses for the poor just as making more medical problems in destitution stricken zones. By giving absence of data Nestle likewise subverted mothers’ option to be appropriately educated. Settle likewise utilized deceptive advancement techniques, sabotaging the advantages of breastfeeding and dishonestly publicizing the requirement for and the healthy benefit of its child recipe by utilizing ladies dressed as medical attendants to circulate the item. On this UNICEF has stated, ‘marketing rehearses that subvert breastfeeding are possibly dangerous any place they are sought after: in the creating scene WHO (The World Health Assembly) evaluated that some 1.5 million kids dieâ each year since they are not enough breastfed. These realities are not in dispute.’ http://info.babymilkaction.org/nestlefree. These realities show that exploitative conduct and advancement techniques by organizations, for example, Nestle can cause more prominent newborn child passings in the creating scene. Codes and PR practice Settles untrustworthy conduct, in spite of the fact that at the time was not seen to overstep any laws, was breaking a considerable lot of the Public Relations Consultants Association implicit rules. The following is recorded the codes that Nestle penetrated during its push to sell baby milk in the created world. †Inducement †Neither legitimately or in a roundabout way give any money related or other affectation to open agents †Influence †Neither propose nor attempt any activity which would comprise an ill-advised impact on open delegates, the media or different partners †Accuracy †Take every single sensible advance to guarantee reality and precision of all data gave †Falsehood †Make each exertion not to deliberately spread bogus or deceiving data, practice appropriate consideration to abstain from doing so accidentally and address any such demonstration instantly †Deception †Observance †Observe the standards of the UN Charter and the Universal Declaration of Human Rights †Conduct proficient exercises with legitimate respect to open intrigue †Have a positive obligation consistently to regard reality and will not scatter bogus or deceiving data intentionally or foolishly, and to utilize appropriate consideration to abstain from doing so incidentally †Every part in medicinal services advertising will guarantee that data spread is adjusted and precise and not liable to misdirect http://www.prca.org.uk http://www.ipra.org Alongside breaking these codes through misdirection, little respect for open intrigue or wellbeing and impact, Nestle can likewise be believed to break Human rights by not giving a decent view on the suggestions and impacts of newborn child milk, an issue which is additionally ethically and morally off-base. Settles conduct, as recently referenced led to another arrangement of advertising rules for infant equation and food items and new codes around theâ marketing of bosom milk substitutes. Despite the fact that they couldn't be lawfully rebuffed or arraigned, the suggestions to Nestle from this battle were enormous and incredibly harmed the company’s notoriety long haul. Because of the colossal media inclusion of the outrage, just as the numerous uncovered that were distributed Nestles deals dropped significantly because of the worldwide blacklist of the brand and trust in the organization was enormously harmed long haul. Just time has figured out how to reconstruct the brand just as the arrival of numerous social insurance related items, anyway this is as yet a broadly discussed exploitative crusade because of the idea of the embarrassment, espe

Healthy Snacks Lesson Plan

Sound Snacks Lesson Plan Title: Investigating Healthy Snacks Objective/Key Idea: The general objective of this exercise is for understudies to comprehend that eating nourishments that are low in fat is significant for their general great wellbeing. Objective: The student will break down nibble nourishments to decide whether they are high in fat just as recognize nibble nourishments that are low in fat. Materials: Earthy colored PaperPencilsOilGrocery promotions Science Words: fatsOilsSnacksLow-fatHigh-fat Expectant Set: Access Prior Knowledge by posing understudies to react to the inquiry, Why do you think individuals need to eat well tidbits? At that point record their answers on graph paper. Allude back to their answers toward the finish of the exercise. Action One Peruse the story What Happens to a Hamburger? by Paul Showers. After the story ask understudies the accompanying two inquiries: What sound tidbits did you find in the story? (Understudies may reply, pears, apples, grapes)Why do you have to eat well food? (Understudies may react, in light of the fact that it encourages you develop) Talk about how nourishments that are low in fat assist you with growing appropriately, give you more vitality and add to your general great wellbeing. Movement Two/A Real World Connection To assist understudies with understanding that oil contains fat, and that it is found in huge numbers of the bites that they eat, have them attempt the accompanying movement: First examine what nourishments are high in fat and have a great deal of oil.Then have understudies compose the word oil on an earthy colored paper square (cut out a few squares from an earthy colored paper bag).Then have understudies place one drop of oil on the paper.Next, have them consider three nibble food sources that they like to eat and have them compose these nourishments on three separate bits of earthy colored paper.Then direct understudies to rub each paper with the tidbit name on it and hold up a couple of moments and watch the paper.Tell understudies to hold their paper up to the light to check whether the oil radiated through the paper.Have understudies contrast each paper and the square with the oil, at that point record their data.Have understudies answer the inquiries: How did the oil change the paper, and which nibble food sources contained oil?â Action Three For this action have understudies search through staple advertisements to recognize solid nibble nourishments. Remind kids that nourishments that are low in fat are solid, and food sources that have a ton of fat and oil are undesirable. At that point have understudies record five nibble nourishments that are solid and explain why they picked them. Conclusion Allude back to your graph on for what reason do you think individuals need to eat well tidbits, and go over their answers. Ask once more, Why do we have to practice good eating habits? what's more, perceive how their answers have changed. Appraisal Utilize an appraisal rubric to decide the understudies comprehension of the idea. For instance: Did the understudy finish up what nibble nourishments are low in fat and healthy?Was the understudy ready to recognize various food sources that were low in fat and high and in fat?Did the understudy pick sound nibble nourishments? Childrens Books to Further Explore Eating Healthy Snacks Nourishment composed by Leslie Jean LeMaster - This book is talks about our bodies wholesome necessities. Sustenance: Whats in the Food We Eat composed by Dorothy Hinshaw Patent - This book examines fats and discusses the nutritional categories. Sound Snacks (Healthy Eating My Pyramid) composed by Mari C. Schuh - This book talks about sound tidbits and how to eat well utilizing the food plate direct. Searching for more exercise on smart dieting? Give this exercise a shot sound versus undesirable nourishments.

Biography of Justinian I, Emperor of Byzantine

Account of Justinian I, Emperor of Byzantine Justinian, or Flavius Petrus Sabbatius Justinianus, was ostensibly the most significant leader of the Eastern Roman Empire. Considered by certain researchers to beâ the last extraordinary Roman head and the main incredible Byzantine sovereign, Justinian battled to recover A roman area and left an enduring effect on design and law. His relationship with his better half, Empress Theodora, would assume a basic job over the span of his rule. Justinians Early Years Justinian, whose given name was Petrus Sabbatius, was conceived in 483 C.E. to workers in the Roman region of Illyria. He may have still been in his adolescents when he came to Constantinople. There, under the sponsorship of his moms sibling, Justin, Petrus procured predominant instruction. Be that as it may, because of his Latin foundation, he generally communicated in Greek with an eminent highlight. Right now, Justin was an exceptionally positioned military officer, and Petrus was his preferred nephew. The more youthful man ascended the social stepping stool with a hand up from the more seasoned, and he held a few significant workplaces. In time, the childless Justin formally embraced Petrus, who took the name Justinianus in his respect. In 518, Justin became Emperor. After three years, Justinian turned into a delegate. Justinian and Theodora At some point before the year 523, Justinian met the on-screen character Theodora. On the off chance that The Secret History by Procopius is to be accepted, Theodora was a mistress just as an on-screen character, and her open exhibitions verged on the obscene. Later creators shielded Theodora, asserting that she had experienced a strict arousing and that she discovered customary work as a fleece spinner to help herself genuinely. Nobody knows accurately how Justinian met Theodora, however he seems to have fallen hard for her. She was excellent, yet she was additionally savvy and ready to interest Justinian on a scholarly level. She was additionally known for her enthusiastic enthusiasm for religion; she had gotten a Monophysite, and Justinian may have taken a proportion of resistance from her situation. They additionally shared humble beginnings and were fairly separated from Byzantine honorability. Justinian made Theodora a patrician, and in 525 - that year that he got the title of Caesar - he made her his better half. For an incredible duration, Justinian would depend on Theodora for help, motivation, and direction. Ascending to the Purple Justinian owed a lot to his uncle, yet Justin was well-reimbursed by his nephew. He had advanced toward the position of royalty through his aptitude, and he had administered through his qualities; however through a lot of his rule, Justin delighted in the exhortation and loyalty of Justinian. This was particularly evident as the sovereigns rule attracted to a nearby. In April of 527, Justinian was delegated co-head. Right now, Theodora was delegated Augusta. The two men would share the title for just four months before Justin died in August of that equivalent year. Head Justinian Justinian was a romantic and a man of incredible desire. He accepted he could reestablish the realm to its previous magnificence, both as far as the region it included and the accomplishments made under its aegis. He needed to change the administration, which had since quite a while ago experienced debasement, and clear up the lawful framework, which was substantial with hundreds of years of enactment and antiquated laws. He had incredible worry for strict uprightness and needed mistreatments against blasphemers and standard Christians the same to end. Justinian likewise seems to have wanted to improve the parcel of all residents of the realm. At the point when his rule as sole head started, Justinian had a wide range of issues to manage, all in about a couple of years. Justinians Early Reign One of the absolute first things Justinian took care of was a redesign of Roman, presently Byzantine, Law. He designated a commission to start the principal book of what was to be a strikingly broad and intensive lawful code. It would come to be known as the Codex Justinianus (the Code of Justinian). Although the Codex would contain new laws, it was essentially an aggregation and explanation of hundreds of years of existing law, and it would get one of the most persuasive sources in western legitimate history.â Justinian at that point set about founding administrative changes. The authorities he designated were on occasion excessively energetic in uncovering since quite a while ago dug in defilement, and the all around associated focuses of their change didn't go without any problem. Uproars started to break out, coming full circle in the most acclaimed Nika Revolt of 532. In any case, on account of the endeavors of Justinians capable general Belisarius, the mob was at last put down; and gratitude to the help of Empress Theodora, Justinian indicated the sort of spine that set his notoriety for being a gallant head. Despite the fact that he might not have been adored, he was regarded. After the revolt, Justinian accepted the open door to direct an enormous development venture that would add to his notoriety and make Constantinople a noteworthy city for quite a long time to come. This incorporated the reconstructing of the wonderful house of God, the Hagia Sophia. The structure program was not confined to the capital city, however reached out all through the realm, and incorporated the development of water channels and extensions, shelters and lodgings, religious communities and houses of worship; and it enveloped the rebuilding of whole towns demolished by quakes (a shockingly very continuous event). In 542, the domain was struck by a staggering scourge that would later be known as Justinians Plague or the Sixth-Century Plague. As per Procopius, the head himself surrendered to the sickness, yet luckily, he recouped. Justinians Foreign Policy At the point when his rule started, Justinians troops were battling Persian powers along the Euphrates. In spite of the fact that the impressive accomplishment of his officers (Belisarius specifically) would permit the Byzantines to finish up evenhanded and serene understandings, war with the Persians would erupt over and again through the vast majority of Justinians rule. In 533, the irregular abuse of Catholics by the Arian Vandals in Africa went to an upsetting head when the Catholic lord of the Vandals, Hilderic, was tossed into jail by his Arian cousin, who took his position of royalty. This gave Justinian a reason to assault the Vandal realm in North Africa, and by and by his general Belisarius served him well. At the point when the Byzantines were through with them, the Vandals not, at this point represented a genuine risk, and North Africa turned out to be a piece of the Byzantine Empire. It was Justinians see that the western domain had been lost through sluggishness, and he trusted it his obligation to re-get an area in Italy - particularly Rome - just as different grounds that had once been a piece of the Roman Empire. The Italian battle endured well longer than 10 years, and gratitude to Belisarius and Narses, the promontory at last went under Byzantine control - yet at a horrible expense. The greater part of Italy was crushed by the wars, and a couple of brief a very long time after Justinians passing, attacking Lombards had the option to catch huge bits of the Italian promontory. Justinians powers were far less fruitful in the Balkans. There, groups of Barbarians consistently attacked Byzantine domain, and however every so often rebuffed by supreme soldiers, eventually, Slavs and Bulgars attacked and settled inside the fringes of the Eastern Roman Empire. Justinian and the Church Sovereigns of Eastern Rome for the most part took an immediate enthusiasm for clerical issues and frequently assumed a huge job toward the Church. Justinian considered his to be as ruler in this vein. He disallowed agnostics and blasphemers from instructing, and he shut the acclaimed Academy for being agnostic and not, as was frequently charged, as a demonstration against traditional learning and philosophy.â Despite the fact that a disciple to Orthodoxy himself, Justinian perceived that quite a bit of Egypt and Syria followed the Monophysite type of Christianity, which had been marked a blasphemy. Theodoras backing of the Monophysites without a doubt affected him, at any rate to some degree, to endeavor to strike a trade off. His endeavors went poorly. He attempted to constrain western diocesans to work with the Monophysites and even held Pope Vigilius in Constantinople for a period. The outcome was a break with the papacy that went on until 610 C.E. Justinians Later Years After the passing of Theodora in 548, Justinian indicated a stamped decrease in action and seemed to pull back from open issues. He turned out to be profoundly worried about philosophical issues, and at one point even ventured to such an extreme as to take a sinful stand, giving in 564 a declaration pronouncing that the physical assemblage of Christ was morally sound and that it just seemed to endure. This was promptly met with fights and refusals to follow the order, however the issue was settled when Justinian passed on out of nowhere the evening of November 14/15, 565. His nephew, Justin II succeeded Justinian.â The Legacy of Justinian For about 40 years, Justinian guided an expanding, dynamic human advancement through a portion of its most violent occasions. Albeit a significant part of the domain obtained during his rule was lost after his passing, the foundation he prevailing with regards to making through his structure program would remain. And keeping in mind that the two his remote extension attempts and his residential development undertaking would leave the realm in budgetary trouble, his replacement would cure that without a lot of difficulty. Justinians revamping of the authoritative framework would last some time, and his commitment to lawful history would be much progressively far-reaching.â After his demise, and after the passing of the essayist Procopius (a profoundly regarded hotspot for Byzantine history), an outrageous exposã © was distributed referred to us as The Secret History. Itemizing a supreme court overflowing with defilement and corruption, the work - which most researchers accept was indee

Abington Senior High School - Student Success Story

Julia Glassman, Abington Senior High School FEATURED SAT Student: Julia Glassman, Abington Senior High School 220 Point SAT Score Increase Julia Glassman is not your typical junior in high school. From her highly organized schedule to her people skills, she has a lot of traits that will contribute to her success in the future, according to her A+ Test Prep tutors, John Ambrose and Pam Carroll. Both describe her as a highly motivated young woman who was easy to work with and ready to learn. John said, "She had a great attitude towards the material, towards me, towards the future and towards taking the test." "One of the things I found delightful about her was that she asked so many great questions," Pam shared. "Most people are terrified of acknowledging they've made a mistake and admitting they have no idea why," Pam said. This wasn't the case with Julia. She was always ready to figure out what she could do to improve. John, who works as an executive recruiter during the day, immediately noticed Julia's people skills. "Academic or book learning is an important part of success, but people skills are just as important," John said. "The way Julia connects with people will serve her well in the future." Perhaps one of the things that's helped her develop her outgoing attitude is the work she is doing in hopes of achieving the Congressional Award, awarded by the U.S. Congress, to young people who demonstrate initiative, achievement and service. Julia is also very good at managing her schedule. "I have so much stuff going on that I have to be organized. I put myself on a schedule," she said. Julia is in her ninth year of karate, plays trombone in the Abington Senior High School Band, serves as a board member for the Jewish teen leadership organization BBYO, teaches Hebrew school, and has a full schedule of honors classes. Pam was impressed by Julia's organizational skills. "She would prioritize what was important so no other activities suffered" as she was preparing for the test, Pam said. Julia found that Pam and John "understood what I needed help on and didn't waste time on the rest." "They worked on what would help me the most, and did not take the same approach as they would with another student," she said. John helped Julia determine the optimal number of questions to answer on each math section, based upon her skill level and the total amount of time available. To help Julia with the vocabulary portion of the SAT, Pam used stories and nursery rhymes to assist with memorization. "I have her voice engraved in my brain when I go to answer different questions," Julia said. Her work on SAT vocabulary has changed the way she looks at words, Julia said. "I look at vocabulary differently. I'm thinking, 'What is this related to? What's the root word?'" Walking in to her SAT, Julia felt pumped up. With a pep talk from Pam the night before, Julia was thinking, "Yea, let's do this," she said. Her preparation and positive attitude helped her improve her SAT score 220 points. Excited to share the news of her improvement, she called both of her tutors after getting her score. "It made me feel like the work I did was valuable," John said. This was one more example of her fantastic people skills, he said.

Analysis Of Sahar Khalifeh s Wild Thorns - 1431 Words

Sahar Khalifeh’s Wild Thorns provides a snapshot of the Israeli occupation of Palestine and the ongoing conflict in the region. Khalifeh’s critique of not only the Israeli occupants, but the Palestinian bourgeois as well, demonstrates the difficulties of the Israeli occupation where the people are not as poor as they once were, yet Palestinian homes are blown up nightly. The Palestinian working class people, forced to choose between nationalism and supporting their families, must face the shame of working in Israel as the Palestinian landowners turn their backs on them. Through the use of repetition and reference to a common Arab folktale, Khalifeh speaks to the plight of the Palestinian proletariat. Additionally, the complexity of the†¦show more content†¦This same sentence shows up again on page 56 as Adil is once again asked to tell an Abu Zayd tale. Perhaps Adil wants to ignore the story because it forces him to face his feelings of complacency in the Israe li occupation or maybe he holds a sense of shame that he himself cannot live up to the heroic actions of Abu Zayd like Usama and Basil are trying to. Either way, Adil ignores the folktale and pushes it aside as â€Å"an old tragedy.† The placement of the folktale within the novel, as well as the use of repetition that accompanies it, allows Khalifeh to critique the Israeli/Palestinian conflict as a whole. Built around events that occurred in the 11th century, Sirat Bani Hilal is the original tale of Abu Zayd. The history behind the folktale repeats itself within the events of the story and mimics Khalifeh’s use of repetition. Abu Zayd is forced to fight against both a Jewish leader and an Arab king in order to unite his tribe. Similarly, Khalifeh not only shows the Palestinian resistance to the Israeli occupation but also demonstrates the class conflicts between the Palestinian people themselves. â€Å"Khalifeh argues that ‘class disparities’ (29) in the West Bank meant that the conditions of the working class and poor were ‘tragic; and pushes them to search for jobs in the Gulf† (Abu Manneh 127). The treatment of the working class by the Palestinian bourgeois forces them to look for jobs within the enemy territory in order to simply feed their families.

Application Of Using Android Operating System Essay

Chapter 1 Introduction 1.1 Purpose 1.2 Scope 1.3 Objective 1.4 Technology and Tool 1.0 INTRODUCTION 1.1 PURPOSE: The purpose of developing this project is to spread the information about benefits which are provided by government. It is to make the bridge between people and government so due to small contributions of each can make life easier. 1.2 SCOPE: Scope of this project is very wide. we want to serve all information in easy way. There is many benefits from government which are not reaching to the people due to lack of communication between them .We are just trying to help them with keeping them update with all information they need and also they can reach there with our help. 1.3 OBJECTIVE: This application is android based and can run on any device with android operating system. 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This operating system is one of the worlds best-selling Smartphone platform. Android involves many developers writing applications that helps in extended the functionality of the devices. There are currently over 1,50,000 applications availableRead MoreComparing Apple iOS and Google Operating Systems756 Words   |  3 PagesAndroid vs. iOS: Feature Comparison Introduction The intent of this analysis is to define the differences between the Apple iOS and Google Android operating systems, in addition to discussing the newest features for each. The Pros and Cons of each operating system are discussed, in addition to a chart of relative market share on smartphone and tablet PCs. In addition to relative market share, the number of application downloads will also be shown. Analysis Of Differences Between Android And Apple

The Cost of Capital

Question: What is the most important principle to be considered when implementing the cost of capital? Explain in detail with 1 example. Answer: Important principle to be considered when implementing the cost of capital The crucial factor in the implementation process of cost of capital is the consistency among the components taken into consideration for WACC and free cash flow. This needs to be ensured by considering opportunity cost from various origins such as debt, equity and so on. The importance of the security must be weighted in accordance with the market based target weight and the computation process must be done after including corporate taxes. It should be further ensured that the denomination is done in same currency and nominal terms when needed. (Brealey et al. 2012) The capital funding of the company is mainly composed of debt and equity. The cost of debt is referred to as the borrowing of the funds from financial institutions and the interest which is to be paid on the borrowed amount is referred to as cost of debt. The computation of this amount is done by considering the risk free rate of the bond by matching a suitable term structure and added it with the premium amount. The cost of the equity is done on the basis of comparing of similar risk profiles, which is done by implementation of CAPM model. The Weighted Average cost of capital is able to predict the return from both equity owners and the debt holders. (Fernandes 2014) Example: The weighted average cost of capital in a Warehouse Systems equals 8.4%. The majority of capital amount is held by equity holders (89.3%); whose Capital Asset Pricing model based required return is 8.3%. The remaining capital amount is borne by debt holders at 1.7% of an after-tax basis. The Cost of Capital: Warehouse Systems Origin of Capital Distribution of capital Cost of capital Corporate tax rate After tax opportunity cost Proportion distributed to weighted average Debt 10.7 3.8% 35.6% 1.7% 0.6% Equity 89.3% 8.3% 8.3% 7.8% WACC 100% 8.4% Reference List Brealey, R.A., Myers, S.C., Allen, F. and Mohanty, P., 2012. Principles of corporate finance. Tata McGraw-Hill Education. Fernandes, N., 2014. FINANCE FOR EXECUTIVES: A practical guide for managers. NPVPublishing.

Who Is To Blame In The Crucible Essay Example For Students

Who Is To Blame In The Crucible Essay In the play The Crucible, Millers picture, of the Salem witch hunts of 1692 may fitly be examined as a work of dramatic art, as a product of the author, and as a social document. A major character that enabled the dramatic art to come into play is John Proctor himself who was a leading character and Arthur Miller built up to the big scenes seen throughout the play where the characters are made to be seen as more appealing. The characterization shown with John Proctor was not only detailed but an essential part of the play. Without Proctor having a part through the play, it would have been dull and boring. John Proctor was hardheaded, strong and skeptical. The Tenacity of his beloved wife Elizabeth is, nevertheless made to weaken, to confess to a lie in order to give a more theatrical effect to his final resolve to proclaim, and to die for, the truth. On the other hand, Proctor will lie privately, but he refuses to sign so that his lie can be made public. John felt if others knew of h is lies he would have a bad name. He always wanted to have a good name. We will write a custom essay on Who Is To Blame In The Crucible specifically for you for only $16.38 $13.9/page Order now When in court John was questioned as to whether he was having or not having an affair with Abigail. The questions were directed toward Johns wife Elizabeth. Proctor had made certain to the judge that Elizabeth could not and certainly would not lie. Sure enough, when Elizabeth was questioned she ended up lying to try to save her husbands reputation from being ruined, Meanwhile she had no idea what John had previously stated and how this wouldbring on the deterioration of his character. This is where irony took its part, with Elizabeth testifying that John certainly is not a lecher but, John previously admitted Abigail was his eager whore. This twist gave a dramatic effect toward The power shown in the big scene with the maid who had withdrawn from the accusation made toward her for witchcraft certainly made the tension grow and as Shipley said, The climatic growth of tension here is excellently managed. I agree with what Shipley says because with this occurring as the play is taking p lace, it enables the reader to be in suspense right up until the end. To some people this play may not be a creation of dramatic art, rather a concoction of the authors contriving mind. I disagree with this because I feel as though this is a dramatic form of art because many elements were shown which make something dramatic such as the accusations and the trial in itself. Before the judges, Abigail and her friends claim that they can feel the presence of the devil like a rushing, mighty wind, which is magnificently dramatic and It is safe to say the Arthur Millers play was based on troublous times, and because certain elements of the society look at the theater as a weapon in the class war, the play can bee seen from many different views. A person could read this play and get a lot out of it without knowing much about it when they began. The first act was confusing and yet the last act opening was intended to provide an emotional rest, there was no sense really being made. However i n the end looking back on the play as a whole, something does come out of it and to each person it is something different although definitely worthwhile. Bibliography: Who is to blame in The Crucible Essay Example For Students Who is to blame in The Crucible? Essay The Crucible was first produced in 1953 in 1952 in the middle of the McCarthy political witch hunts. Miller was trying to convey the parallel between the witch-hunts in Salem and the witch hunts for communists. The hysteria in Salem can be blamed on the individuals or the whole society. Although many individuals contributed to the hysteria the social conditions the characters, the young girls in particular, had to endure is also to blame. There are a number of characters to which some degree of blame could be attributed. One of these characters is Abigail. Abigail is the character who really gets the whole thing started; Uncle, we did dance We will write a custom essay on Who is to blame in The Crucible? specifically for you for only $16.38 $13.9/page Order now She first openly admits to dancing in the woods and when the pressure is put on her she says that it was to blame on witchcraft. She uses the situation to her advantage and manages to get back at Goody Proctor who has blackened her name in the village. Although she is very manipulative in some ways she is a victim. She is treated as a child even though she is no longer innocent and virginal; Sweated like a stallion Abigail is very forward and speaks and acts like she is much older than she is. She is a young adult but nobody will treat her like one. Abigail had a relationship with Proctor, but still he calls her a child. Abigail seems to want to break free of the stereotype and this is what leads to hysteria. Abigail did not plan for the situation to get out of hand or lead to the death of innocent people, but she could not really stop it once the ball had started rolling. The accusations led to the hysteria to spiral out of control as more and more people were blamed. Society really is to blame though when it comes to Abigail as society put great pressure on her, which led her to try and break free of her stereotype. Another character that contributes to the hysteria is Parris. The way Parris approached his ministry led to problems. His selfish attitude contributes to the reaction of the girls. The way he runs the church leads to resentment and bad blood in the village. He should be preaching about God but instead he preaches about money. He is always thinking about himself too much and does not consider others; I cannot offer one proposition, but there be a howling riot of argument He may have been able to solve the problems but he couldnt be bothered with the hassle of it and would rather deal with his own problems. He is selfish and only really thinks about money. He thinks he deserves luxuries because he is a minister; Dont a minister deserve a house to live in His selfish attitude contributed to the hysteria in Salem. In some ways it is society to blame  for creating the conditions in which man like Parris, who is quite obviously not a very holy man, can lord it over others simply because he has the title of priest. John Proctor also contributes to the hysteria in Salem. His inability to control his lust contributes to events. His lust for Abigail led Abigail to believe that there could be a proper relationship between them; Ill not be comin for you no more He does try to make it clear to Abigail but he has already led her on too much. When Proctor calls her child it makes Abigail want to prove herself to him and she shows him how powerful she can really be. .uf116089856748cd4fd4e6e5ad16ce45c , .uf116089856748cd4fd4e6e5ad16ce45c .postImageUrl , .uf116089856748cd4fd4e6e5ad16ce45c .centered-text-area { min-height: 80px; position: relative; } .uf116089856748cd4fd4e6e5ad16ce45c , .uf116089856748cd4fd4e6e5ad16ce45c:hover , .uf116089856748cd4fd4e6e5ad16ce45c:visited , .uf116089856748cd4fd4e6e5ad16ce45c:active { border:0!important; } .uf116089856748cd4fd4e6e5ad16ce45c .clearfix:after { content: ""; display: table; clear: both; } .uf116089856748cd4fd4e6e5ad16ce45c { display: block; transition: background-color 250ms; webkit-transition: background-color 250ms; width: 100%; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #95A5A6; } .uf116089856748cd4fd4e6e5ad16ce45c:active , .uf116089856748cd4fd4e6e5ad16ce45c:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #2C3E50; } .uf116089856748cd4fd4e6e5ad16ce45c .centered-text-area { width: 100%; position: relative ; } .uf116089856748cd4fd4e6e5ad16ce45c .ctaText { border-bottom: 0 solid #fff; color: #2980B9; font-size: 16px; font-weight: bold; margin: 0; padding: 0; text-decoration: underline; } .uf116089856748cd4fd4e6e5ad16ce45c .postTitle { color: #FFFFFF; font-size: 16px; font-weight: 600; margin: 0; padding: 0; width: 100%; } .uf116089856748cd4fd4e6e5ad16ce45c .ctaButton { background-color: #7F8C8D!important; color: #2980B9; border: none; border-radius: 3px; box-shadow: none; font-size: 14px; font-weight: bold; line-height: 26px; moz-border-radius: 3px; text-align: center; text-decoration: none; text-shadow: none; width: 80px; min-height: 80px; background: url(https://artscolumbia.org/wp-content/plugins/intelly-related-posts/assets/images/simple-arrow.png)no-repeat; position: absolute; right: 0; top: 0; } .uf116089856748cd4fd4e6e5ad16ce45c:hover .ctaButton { background-color: #34495E!important; } .uf116089856748cd4fd4e6e5ad16ce45c .centered-text { display: table; height: 80px; padding-left : 18px; top: 0; } .uf116089856748cd4fd4e6e5ad16ce45c .uf116089856748cd4fd4e6e5ad16ce45c-content { display: table-cell; margin: 0; padding: 0; padding-right: 108px; position: relative; vertical-align: middle; width: 100%; } .uf116089856748cd4fd4e6e5ad16ce45c:after { content: ""; display: block; clear: both; } READ: Cross-Cutting Blood Brothers EssayIt seems as though if he had come forward earlier then he could have stopped what was happening. He would not admit to adultery because he did not want his name blackened in the village. Society is really to blame because it condemned sexual impropriety and it made him feel that he could not confess because it is a sin. Putnam is another one of the characters that contributes to the hysteria. He is the prime example of the land owning citizen. He seems to be motivated to make the problem worse. He is very selfish about his land and possessions; You load one oak of mine and youll fight to drag it home He is always fighting and bickering with other people about what belongs to him. As a prominent citizen he could have stopped the hysteria rather than fuelling it. He, instead of dealing with the problems he would rather try and gain more land by getting his daughter to cry rape. Society really is to blame for creating a man like Putnam who is given power through possession of money and use that power for greed. In fact Proctor indicates how the village seems based on money not equality. There is also a collective blame. All the characters build up to create a society, which is prone to this type of situation. The land disputes add to the problems. No single character tries to whole heartedly to solve the crisis because of fear of damaging their own reputation. The way women and children are treated also contributes to the problem. Many of the young women are treated like children and want to demolish the stereotype. There are certain attitudes towards pleasure which means that many of the girls would have had a starved imagination and social life which would have made the witch hunts seem exciting and appealing. The girls were rarely made centre of attention so this sudden interest shown towards them would have also been appealing. It would have seemed ridiculous to them to remove themselves for the spotlight, which they rarely have upon them. Overall it was the whole of society to blame rather than the individual characters. As the village was in the middle of  nowhere there was no escape. This made the situation more intense because everyone was trapped. These external influences slightly contribute to the atmosphere. There are many parallels between the society in Salem and the communist witch hunts. Both conditions are similar; in both cases people are being persecuted without a proper trial or any evidence. Both societies have resentments and jealousies. Miller uses the book to create an absurd situation to mock the McCarthy witch-hunts. It is the individual characters that contribute to the chaos. All of the characters build up to create a society prone to this type of situation.

Abstinence vs Condom Distributiom essays

Abstinence vs Condom Distributiom essays Sexual education was introduced to the American public school system in 1913. The superintendent of schools, Ella Flagg Young promoted the teaching of sexual education and implemented sex hygiene lectures in the Chicago, IL School system (Allen 17). The goal then was to reduce social problems such as venereal disease and prostitution by educating the public about sex. Now, in the beginning of the twenty- first century, goals are different, but the conflicting opinions on sexual education are still going on strong. Health promotion goals for teenagers include postponement of sexual activity until psycho social maturity and consistent use of condoms by those who do engage in sexual intercourse (Dillion 35). Most people agree with these goals to a certain degree. However, the tension arises when methods of meeting these goals are discussed. The following report explains some of the biggest issues dwelling around how the public schools should teach sexual education. The two ma! in options discussed are teaching abstinence and condom distribution. Throughout the US, school districts and states are basing their policies around these two ideas. The importance of this issue is very significant. Over last century, our statistics for teen health and sexuality problems have been getting worse and worse. The decision that we make now will decide if we: 1.educate and inspire our youth and the sexual health status of our youth improves for generations to come, 2. Overexpose the youth, and they get out of control, or 3. Suppress the youth, denying them knowledge and resources, and our situation continually worsens for the next generation of our youth (Blair 55). Our youth today face horrible odds in the area of health, and almost everyone, regardless of political positions or religious standing, agrees that the problem needs to be addressed. As of 1992, 54% of all US high school students were sexually experienced, and since then that rate...

One of the five articles mentioned Essay Example | Topics and Well Written Essays - 1000 words

One of the five articles mentioned - Essay Example Violent media is an authentic tool that provides tough mental exercises and the children will learn the merits and demerits of violence to enable them to adapt to real-life situations. Gerard argues accordingly and treats violence as an asset for the healthy growth of children. Unless the child knows what darkness is, the beauty of the light will never be appreciated by it. Children must know the prevailing realities in the present violence-prone society and adjust their life-patterns accordingly. Gerard Jones begins the essay with a heavy stroke of the hammer. At the first reading the reactions like—justification for violent media? Exposition of children to violence? Incredible!—are normal. Gerard’s love for violence goes in tandem with his love for children—this in short is the message ingrained in the essay, and said intelligently. Gerard’s advice to the children is, remove thorn with the thorn. It is easy for the parents to make the children submissive by injecting repeated doses on morality, but it requires guts to tell a child, retaliation is the best answer when you are attacked. A brave child of brave parents will be happy at the recollections of the past, as to how he challenged the vicissitudes of life. No one is defeated in life unless one admits defeat and the child that has been sensitized about the values of violent reactions will have the last laugh. The best educational institution on this Planet Earth is the college of self-education, where your mind is your principal and your initiatives are your professors. The highest challenge is to face the realities of life and not avoid or duck them. The motivating factor for the author to pen this essay and come out in support of violent media is his own childhood when he was carefully prevented from having the firsthand knowledge about the dark sides of life. Children should know that there

Apitalism in the ourse of the 16th Century Essay

Apitalism in the ourse of the 16th Century - Essay Example Protection of private property was never so legally simplified before the advent of capitalism and the legal implications of private ownership suggested greater independence of private property owners and provided clear protected ownership that could be legally validated. Capitalism brought in the standardization and integration of property rules increased trust in economic transactions and laid down the risks of ownership with possibilities of insurance against such risks. Loans and borrowing became easier as personal credit history could be checked and there was an increased standardization and transferability of statements documenting ownership of property (Levi-Faur et al, 2005). This specification of property limits and rules and regulations of ownership indicated a smoother flow of property between individuals and enabled a well-defined role for companies so that they could easily operate in national and international markets. The concept of capitalism has often been criticised by the fact that ownership of enterprises shows the division between the employer and the employee as the profits seem to go to the employer and is not shared by the employees. The growth of multinational companies is thus a direct influence of capitalism and the changing global economy has also been directly shaped by the spread of capitalism across society and nations. In fact, the world today could never have been the same without capitalism and considering this, it is important to examine why and how capitalism first emerged in the 16th century and what are the social, historical and political implications. Capitalism is often contrasted to feudalism on the one hand where a monarch has ownership of property and socialism or communism on the other in which means of production are owned by the community collectively (Sweezy et al 1976).

Errors, Uncertainties, and Measurements Essay Example for Free

Errors, Uncertainties, and Measurements Essay Measurements are all subject to error which leads to the uncertainty of the result. Errors may come from systematic errors (deterministic error) or random error (not deterministic error). In this experiment, the group measured the diameter of sphere using different kinds of measuring devices (foot rule, vernier caliper, and micrometer caliper) in order to achieve accuracy in the scientific measurements. After experimenting, it was revealed that the micrometer caliper has the lowest percentage of error. 1. Introduction In the early days, people used mostly human body parts for measuring. And because the measurement depended on the body size and length of the person measuring, it often leads to varying measurements which leads to inaccuracy and errors in the measurements. In the following years, a better system of units of measurement was developed – the metric system. The metric system is an international decimalized system of measurement, first adopted in France in 1791. Numerous measuring instruments have this system of measurement. Aside from meter sticks and ruler, the vernier caliper and micrometer caliper also use this system. The vernier caliper is a measuring device which takes advantage of a vernier scale, a scale used to provide very precise measurements. The vernier adds an extra digit of accuracy to any measurement, allowing it to be highly accurate. Like other calipers, a vernier caliper has an L-shaped design with a movable arm which can be adjusted to allow the object being measured to fit between the arms, and a measurement to be taken. It has two scales – main scale and vernier scale. The main scale is fixed while the vernier scale can slide along the main scale as the movable arm is shifted. Measurements are taken by looking for the mark on the main scale which is just to the left of the zero on the vernier caliper for the first measurement, and then looking to see which mark on the vernier caliper comes most closely into alignment with a mark in the main scale. Micrometer caliper is a calibrated screw device for finding exact measurements in which an object to be measured is to be enclosed between two jaws, one fixed while the other movable by means of a fine screw. When the jaws are just touching the object, the distance between the jaws can be read on an associated scale, ofteh to an accuracy of 10 -4. It uses the principle of a screw to amplify small distances that are too small to measure directly into large rotations of the screw that are big enough to read from a scale. Most micrometers have their readout right on the handle of the instrument. This experiment aims to achieve the following objectives: (1) to study errors and how they propagate in simple experiment, (2) to determine the averge deviation of a set of experimental values, (3) to determine the mean of a set of experimental values as well as set of average deviation of the mean (4) to familiarize the students with the vernier caliper, micrometer caliper, and foot rule, (5) to compare the accuracy of these measuring devices, (6) and to detemine the density of an object given its mass and dimensions. 2. Theory Significant figures are very essential in science. Each recorded measurement has a certain number of significant digits. Calculations done on these measurements must follow the rules for significant digits. The significance of a digit has to do with whether it represents a true measurement or not. Any digit that is actually measured or estimated will be considered significant. Placeholders or digits that have not been measured are not considered significant. There are rules in determining the significance of a digit. First, digits from 1-9 are always significant. Second, zeroes between two other significant digits are always significant. Also, one or more additional zeroes to the right of both the decimal place and another significant digit are significant. Lastly, zeroes used solely for spacing the decimal point are not significant. Least count of any precision instrument is defined as the least distance travelled by it. For a micrometer it is measured in the following manner. Least count (L.C) of a screw gauge = Pitch/ Number of circular scale division. Pitch and Number of circular scale divisions are the two factors determining the least count of Micrometer. 3. Methodology In measuring the diameter of the sphere provided, the group was given three measuring devices. To determine the average deviation and mean of a set of experimental values as well as the diameter of the sphere, the group was given the three measuring tools to study the measurement and its errors. First, the group determined the least count of the vernier caliper, micrometer caliper and the foot rule then we made ten measurements for the diameter of the sphere using the foot rule. After completing the ten measurements, the group then calculated the mean diameter of the sphere by adding all the independent measurements and divided it to 10. Next, the group calculated the deviation (d) of each measurement of diameter from the mean diameter. After getting the deviation of each measurement, the group calculated for the average deviation (a.d). The average deviation is the sum of the deviations (d) divided by the number (n) of observations.

Consumer and Organisational Buying Behaviour Assignment :: Business and Management Studies

Consumer and Organisational Buying Behaviour Assignment Choose two adverts from the press (newspapers or Magazines) one of a high involvement good and the other of a low involvement good. Compare them while identifying the various techniques used in consumer behaviour to communicate the message. You may contact the producers of the advert. High Involvement Good: Residence Relevant Advert: Ad for Apartment in Tigne’ Point. Low Involvement Good: International Telephone service Relevant Advert: Ad for OneVoice Low-cost International phone cards International phone calls are nowadays an everyday necessity for many people living in the Western world, whether for business purposes or to keep in touch with partners, friends or relatives abroad. This is especially so in Malta since practically every Maltese person living here has relatives who have emigrated, a substantial expatriate community exists and because of the small size of the island and total absence of most raw materials, almost every kind of business necessitates frequent international phone calls. Besides, as the OneVoice advert I have chosen clearly demonstrates, international phone calls have become as affordable (and as necessary) to many people living in Malta as low cost basic food stuffs and drinks. Hence in Malta one can now consider an international phone call service as a low involvement good since most people living locally have to resort to it quite frequently and do not think much about it beyond selecting a cheap, reliable, value for money service. The OneVoice advert thus makes quite a huge issue of price and implied value for money by publicizing the cheapest rate very prominently against a bright red background and stating the service’s other desirable features against a bright green eye-catching background. The advert in fact has just the right mix of the saturated colours green, yellow, cyan, orange and red to capture attention without overwhelming people and causing visual fatigue. There is also an adequate amount of blue which is considered a rather relaxing colour associated with class and high quality and with the limitlessness and peace of sky and water. This mix of various, bright colours (a) ensures that every potential client’s tastes is, somehow, catered for at least visually (b) is locally associated with festive seasons (Christmas, Carnival, summertime) spring, fun and plenty and so gives a certain â€Å"feel good† factor to using OneVoice even though at the end of the day OneVoice is just another basic international telephone service. Conversely no indication of price range is given in the advert for Tigne’ Point properties although it is obvious that it is aimed at the international yachting community and other extremely affluent, rather

Psychology Prediction Essay

According to one of my favorite philosophers, Yogi Berra, Its hard to predict, especially the future†. He’s right but it doesn’t stop many people from trying. In fact predicting the future is essential to many aspects of our lives – in business, and beyond. Many professionals have the need to accurately predict outcomes of the future to be successful in their jobs. And many have occupations where predicting the future actually is their job, one way or another. As an analyst at Gartner, I am of course a good example of this. Some of this is common sense. Some is controversial. Some goes completely against what most think and against what people are taught even at organizations who train people to do predictive type jobs. But it works for me. Here are my ten guiding principles for accurate prediction: 1.Care about being right. This sounds obvious but circumstances and other requirements often get in the way. Professionals whose job involves making predictions face pressures to have an opinion, no matter what, and to generate visibility. This can lead to quickly formed opinions and overstating and over hyping things. While these things may in fact need to be part of a strategy, they do not have to be the primary goal. Tempering such behavior by placing the goal of being right at a higher priority is one of the real keys to accurate prediction. You can’t be afraid to be wrong, but you can’t place being right at lower priority and expect to be good at predicting. 2.Be an â€Å"innumerate†. Be extremely skeptical of any numbers. Many believe that numbers don’t lie. They don’t of course, but people do. And they state the numbers that they want to state to make their case. And they get things confused. Numbers are more useful in looking back at history than in predicting (looking back at history is helpful and numbers can help). Be especially wary of survey data. Often the questions are poorly formed and the respondents not necessarily knowledgeable. There is no substitute for talking directly to people to make sure that you understand context and that they understand the question. And follow-up is possible. 3.Ask yourself â€Å"Why are they telling me this?† Understand the motivations of sources of information. Everyone you meet has some type of agenda. Sometimes it is truly to educate you, usually not. It is critical to understand what the source of information wants you to think to put the information into context. 4.Ask yourself â€Å"What would I do†? Put yourself in the shoes of the CEO or key decision maker of the entity if possible. This is a key tool to predicting how companies and organizations will behave. If the prediction is about that company, this is the major key. If it is more general, putting yourself in the shoes of multiples and playing out scenarios is helpful. 5.Recognize that most of the time, you will know less than your sources. The world is full of specialists. Depending on circumstance, you may know as much as your sources but there is almost always someone who is more of an expert than you. So you need to develop strategies for assessing the credibility and honesty of a source. A useful tactic is to lead a discussion towards an area in which you do know a lot and test the source’s honesty and credibility. This can help determine what weight to give the source 6.Don’t jump to conclusions. Whenever possible take your time. When pushed for an opinion, it is best to say â€Å"if I had to have an opinion I would lean towards x†, but not highlight these types of things as â€Å"predictions†. 7.Find â€Å"bubbles†, conventional thinking and poke at assumptions. Try to understand why most people have a certain belief and figure out what assumptions they have. Look for misunderstandings, confusion, motivations and social trends. 8.Get information you’re not supposed to have. Basic networking is essential to knowing your subject and to getting information you’re not supposed to have (Obviously those subject to â€Å"insider trading† types of issues need to tread carefully here). Listen for slip ups. Put the pieces together. Fill in the holes. Speculate. 9.â€Å"You’re only paranoid if you’re wrong†. Explore conspiracy theories. While they usually won’t be the prediction, the exercise of examining possible conspiracy theories often is fruitful. Remember At the very least there is bound to be some aspect of the theory that has some truth to it and may point the way towards a good prediction. However, it is far more likely that stupidity or laziness, rather than conspiracy, is the cause. 10.Constantly test, validate and refine. Every chance you get to talk to a person whose opinion you respect, test new theories. Every chance you talk to a source of information, test your theories and gauge their reactions. Be open to tweaks.

The Glass Steagall Act - 1722 Words

Despite its humble beginnings in 1844 as a simple general store turned financial firm, the Lehman Brothers greed drove their firm into the ground. It seemed as if Lehman Brothers was indestructible. Surviving through the railroad bankruptcies in the 1800’s, the Great Depression of the 1930’s, two world wars, a capital shortage in 1994, and everything in-between, it seemed the firm was built to last. However its inevitable end started in the early 2000’s with the housing boom after the repeal of the Glass-Steagall act. Over the span of two years, 2003 and 2004, Lehman Brothers acquired a total of five mortgage lenders, including the subprime lender BNC and Alt-A loan specialist Aurora Loan. As the housing boom was under way and the firm acquired these large players its Lehman real estate business’s capital market revenues cascaded 56% over the next two years 2004 to 2006. It was â€Å"a faster rate of growth than other businesses in investment banking or asset management.† (Investopedia) Increasing its revenues by 10% from 2005 to 2006 when they securitized $146 billion worth of mortgages. It went from just being a player in the financial industry to the top dog in the matter of a few short years. Consistently reporting the setting of new profit records year after year. In 2007 its net income record was â€Å"$4.2 billion on revenue of $19.3 billion.† (Investopedia) At the same time, in February of 2007, Lehman Brothers stock had hit its record too at $86.18 a share leaving the m withShow MoreRelatedThe Glass Steagall Act Of 19332039 Words   |  9 Pages In 1999 the United States Congress passed the Gramm-Leach-Bliley Financial Services Modernization Act which finished off the repealing process of the Glass-Steagall Act of 1933 (Moffett, Stonehill, Eiteman, 2012, p. 114). The Glass-Steagall Act had imposed barriers within the United States financial sector, where commercial banking entities were separate from investment banks. This meant that commercial banks were able to operate in higher risk activities that were traditionally reserved forRead MoreGlass Steagall Act For Banks And Securities1549 Words   |  7 Pages Glass-Steagall Act for Banks and Securities The banking and securities industries had regulations since the 1930s or earlier. The laws were there to help regulate and give depositors some security. For one reason or another, the law has been changed, updated or appealed. The Banking Act of 1933, known as the Glass–Steagall Act named after the Congressional sponsors: Senator Carter Glass, a former Treasury Secretary and Senator Henry Steagall (Heakal). 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Highly liquid, asset-light portfolios wereRead MoreGlass-Steagall Act / the Sarbanes-Oxley Act / Dodd-Frank Act /1784 Words   |  8 Pages(i) Glass-Steagall Act (1933) Great Depression At the time after the stock market crash (1929), during the Great Depression, most of the people agreed that the main cause for the event was the â€Å"improper banking activity† which was mainly seen as the bank involvement in the stock market investment. Banks were taking high risks in hope for rewards, they were â€Å"accused of being too speculative in the pre-Depression era† (HEAKAL, 2010, pg.1). They were not only investing their assets, but theyRead MoreThe Glass Steagall Act And New Deal Regulation Of The Housing Market1384 Words   |  6 Pagesnot need to intervene or regulate the processes. This led to policies such as the Glass-Steagall Act and New Deal regulation of the housing market to be repealed. This allowed many banks to make risky investments which ultimately resulted in a large amount of loss. The Glass-Steagall Act was a bill which essentially made it so that banks could not be involved in both investment and commercial banking. When this act was r emoved, it allowed banks to make risky investments with their clients’ moneyRead MoreThe Twentieth Century American Banking System1453 Words   |  6 Pagesinspection by regulators. The Glass-Steagall Act was passed back in the 1933 to separate the conflict between commercial banking and securities activities. The main goal was for these two industries to not take place within the same financial institution. In order to protect the depositor’s money, the American people from another financial crisis. Due to the aftermath of the Great Depression, Congress took the upper hand to regulate the banking system. The Glass-Steagall Act was meant to implement trustRead MoreThe Twentieth Century American Banking System1385 Words   |  6 Pagesinspection by regulators. The Glass-Steagall Act was passed back in the 1933 to separate the conflict between commercial banking and securities activities. The main goal was for these two industries to not take place within the same financial institution. In order to protect the depositor’s money, the American people from another financial crisis. Due to the aftermath of the Great Depression Congress took the upper hand to regulate the banking system. The Glass-Steagall Act was meant to implement trustRead MoreGlass Steagall And The Financial Crisis1565 Words   |  7 PagesGlass-Steagall and the Financial Crisis In May 2012 JP Morgan Chase and Co. stated to the public a 2 billion dollar trading loss, although evidence shows that the loss was far greater. 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In this paper I will examine the ways in which federal economic policies have served as a catalyst to the economic stress that led one of America’s historical industrial cities to be faced with a contaminated water supplyRead MoreThe House of Morgan: an American Banking Dynasty and the Rise of Modern Finance by Ron Chernov957 Words   |  4 Pageswhen the book was written. There were three significant events that shaped the future of the bank and the banking industry in the United States. In the baronial age it was the Panic of 1907. In the diplomatic age it was the passage of the Glass-Steagall act of 1933. In the casino age it was the development of merchant banking and leveraged buyouts that led to the Crash of 1987. J. Pierpont Morgan’s actions during the Panic of 1907 solidified the bank’s reputation and firmly established it as