How Do GRE General Scores Compare to Prior GRE Scores

The Educational Testing Service, which administers the Graduate Record Examination, changed the way the test is scored on Aug. 1, 2011. New types of questions emerged, and with them, an entirely new set of GRE scores. If you took the GRE prior to the change, youll need to learn how current GRE scores  compare to the old scores.   Prior GRE Scores On the old GRE  exam, scores ranged from 200 to 800 points in 10-point increments on both the verbal and quantitative sections. The analytical  writing section  ranged from zero to six in half-point increments. A zero was a no-score and a six was very nearly unattainable, although a few testers managed to nab that incredible score. On the previous test,  good GRE scores ranged from the mid to upper 500s in the verbal section and mid to upper 700s in the quantitative section. Youd expect that students looking to enter into programs like Yales school of management and UC Berkeleys graduate school of psychology to be earning in the 90th percentiles and higher. GRE scores are valid for up to five years. This is bad news for those who tested prior to Aug. 1, 2011. Additionally, as of Aug. 1, 2016, your GRE scores are no longer valid and will not be considered for admission if you happened to have put off attending graduate school for a while. The good news is that many test takers find that although the current GRE is quite challenging, the questions are more relevant to the workplace, graduate school curricula, and real-life experiences, so you may just get a better score the next time you take the exam. GRE General Scores On the GRE general test, previously known as the revised GRE, scores range from 130 to 170 points in one-point increments on both the revised verbal and quantitative sections. A 130 is the lowest score you can obtain, while 170 is the highest. The analytical writing test is still scored from zero to six in half-point increments just as it was previously. One of the benefits of the scoring system on the current test is that it provides better differentiation between those applicants who tended to get lumped into a group at the upper register of the scale. Another benefit is that the difference between a 154 and a 155 on the general GRE does not seem quite as vast as the difference between a 560 and a 570 on the previous GRE. With the current system, small differences are less likely to be interpreted as meaningful when comparing applicants, and large differences will still stand out quite clearly at that upper register.   Tips and Hints If you are interested in retaking the GRE in order to apply to graduate school and are unsure what you might expect to score on the exam, ETS offers  a comparison tool, which helps generate scores on the previous or current version of the GRE depending on which test youve taken. The comparison tool is available in both an Excel and a flash version if you only need to make a one-time comparison.   Similarly, If youd like to see how your GRE general score compares to prior GRE scores, review comparison tables for  revised GRE verbal scores versus prior verbal scores  as well as  revised GRE quantitative scores versus prior quantitative scores. Percentile rankings are also included to give you a better idea of your rank.

The Evolution Of Human Evolution - 1103 Words

Human evolution according to research started over 6 million years ago. The outcome of the evolution process is the current human beings. Scientific studies have revealed over the years a remarkable affinity between the chimpanzees/Apes and human beings. Even though this reality is not a definitive prove that human beings evolved from apes, it does show that the human beings are in one way or another related to other primates. Scientists suppose that the humans and the primates shared a common ancestor. The subject of what makes humans what they are and their origin has been the exclusive purpose leading to many scientific studies globally (Coolidge Wynn, 2011). Studies believe that Africa was the origin of evolution millions of years ago. Fossil remains have been discovered in different parts of Africa as well as other regions of the world. Different hominins have been discovered around the world in the last 1 million years. Thus, the different discoveries have led to comparison s between the various species of hominins to clarify on their similarities as well as differences. This essay seeks to explain whether they were distinctively different species or regional versions of the same species. Homo erectus The hominid also referred to as the upright man was discovered in various parts of the globe including Lake Turkana in Kenya, Spain, and Java in Indonesia among other places. They are estimated to have lived over 1.6 million years ago (Coolidge Wynn, 2011).Show MoreRelatedEvolution And Its Impact On Human Evolution910 Words   |  4 Pages Humans have gone through many stages of adaptation, allowing for great expansion and our unrivaled dominance of the earth. So it could seem as though humans have reached the peak of evolutionary development. Evolution is often thought of as a natural process, and were it not for humans, this might be true. However, evolution, in the strictest sense, is a change in the genetic structure of a population (Jurmain, et al., 5). While natural selection is a major contributor to the process of evolutionRead MoreEvolution And Its Effect On Human Evolution1826 Words   |  8 Pages It is the key to our evolution is very much correct. Beneficial mutation can be a next step of human evolution as people get more adapted to their environment, greatly increasing their chance of successfully reproducing. Evolution is the process of the characteristics of an organism changing over a long period of time. There are two types of evolution: micro, where gene frequencies are shifted within the population, and macro, where a whole new species arises. Evolution occur through naturalRead MoreConvergent Evolution Of Human Evolution972 Words   |  4 Pagesinstance of human evolution has been detected among the peoples of East Africa. It is the ability to digest milk in adulthood, conferred by genetic changes that occurred as recently as 3,000 years ago, a team of geneticists has found.The finding is a striking example of a cultural practice — the raising of dairy cattle — feeding back into the human genome. It also seems to be one of the first instances of convergent human evolution to be documented at the genetic level. Convergent evolution refers toRead MoreEvolution of Human3142 Words   |  13 PagesHuman evolution is the biological and cultural development of humans. A hu man is any member of the species Homo sapiens, meaning wise man. Since at least the Upper Paleolithic era, some 40,000 years ago, every human society has devised a creation myth to explain how humans came to be. Creation myths are based on cultural beliefs that have been adopted as a legitimate explanation by a society as to where we came from. The science of paleoanthropology, which also tries to create a narrative aboutRead MoreHuman Evolution2755 Words   |  12 PagesHuman Evolution Human Evolution, the biological and cultural development of the species Homo sapiens, or human beings. A large number of fossil bones and teeth have been found at various places throughout Africa, Europe, and Asia. Tools of stone, bone, and wood, as well as fire hearths, campsites, and burials, also have been discovered and excavated. As a result of these discoveries, a picture of human evolution during the past 4 to 5 million years has emerged. Human Physical Traits Humans areRead MoreThe Evolution Of Humans And Humans978 Words   |  4 PagesHumans have existed on Earth for approximately 3.4 million years. The oldest known human ancestor is Lucy, an Australopithecus. Over this extensive period of time, humans have evolved significantly. Homo Sapiens have grown from 3 to almost 6 feet (average), lost most of the body hair, became leaner and adapted to walking. Humans have come a long way, from Australopithecus to Homo sapiens, from living in trees to living in cities. Slowly, through hundreds of thousands of years, we mutated over andRead MoreThe Evolution Of The Human Body989 Words   |  4 PagesThe evolution of the human body can be observed from studying the intermediates found in ancestral organisms. Shubin proposes that every attribute that makes us human can be traced back to a time that showcases its importance for survival. Every single trait in the human body has been selected for through multiple mechanisms of evolution, natural selection being one of them. This theory is intriguing because not long ago it was unheard of to relate humans to fish, amphibians, reptiles, mammals, andRead MoreThe Evolution Of The Human Race1681 Words   |  7 PagesFaith Vs. Fact The universe is a vast and endless portal of knowledge and experience whose origin and creation is not fully proven. There are two ideologies that the human race has adopted into giving reason for our existence as well as our evolution; this being, religion, and science. Science and religion have been in a conflicting battle against each other in discovering truth about the universe and their main ideas disregard the other making them ultimately incompatible. Throughout historyRead MoreWhat is Human Evolution?674 Words   |  3 PagesHuman Evolution What is human evolution? Human evolution refers to a process in which human beings developed both physically and emotionally throughout centuries, evolution is mainly influenced by environmental factors, and sometimes people’s diet would also interrupt the way human beings evolve. Normally, human evolves for survivals, in order to get used to the climate, it is necessary for human beings to advance. Throughout millions of years, human beings have developed from the earliest hominidsRead MoreThe Evolution of Human Communication1217 Words   |  5 PagesTechnology started out as a way to help the human population make life easier on humanity, but once it becomes smarter than us will it really help or hinder our way of life. The definition of technology is â€Å"machinery and equipment developed from the application of scientific knowledge†, according to Google. When you pick up your smartphone do you ever really think that it may be hurting the human race? Once your chi ld sees you doing this action every hour of every day they will want to also do what

Hrm 556 Free Essays

Course: Human Resources Management 346 Assignment: Integration and Application Questions (1-4) Week: 4 Name: Date: January 30, 2010 1(a): Which company do you think needs to be more concerned about recruiting? Why? After reading both integrative cases I feel that Lincoln needs to be the most concerned with recruiting. Lincoln Electric only post for entry level position externally this does not help them to build enough brand recognition within the communities that they serve.When an organization has strong brand recognition they are able to generate a large applicant flow. We will write a custom essay sample on Hrm 556 or any similar topic only for you Order Now For example, 2006, Southwest hired 3,633 people, but received 280,000 applications. 1(b): What should be the objectives of each company’s recruiting efforts? Relate the recruiting objectives to each company’s strategic objective. The objectives for SWA should be to keep the focus on maintaining the reputation for having an employee friendly culture. This will continue to help SWA attract and retain employee friendly applicants/employees.Lincoln Electric on the other hand, needs to do a little more work with their recruiting process. I do not feel that it is wise to solely rely on promote from within strategy to fill skill positions. I have seen this happen in a previous organization that I worked for, they only hired externally for entry level positions. The promotion from within did improve employee morale however it did not help sometimes when we had to select from our internal candidates for management positions that did not necessarily have the skills for. Leadership skills can not be taught.However, I do believe they can be improved by further training. 1(c): Which company is most likely to have the most difficult time creating a large pool of qualified applicants? Explain your reasoning. I feel that Lincoln Electric would have the most difficulty in creating a large pool of applicants. Lincoln Electric post’s every job opening internally which limits the organization to their internal workforce only. With this being the process I do not feel that this allows the organization the opportunity to build brand recognition in the community.In addition, the only jobs that they permit for external hiring is for entry level positions. Even though they have great success in the Cleveland market yielding low turnover rates of less than four percent high employee and customer satisfaction they will need to revisit their current recruitment strategy to prepare for future growth. In addition, it was mentioned that they experienced some challenges when they expanded operations globally and in other markets outside of Cleveland with recruitment. (d): For each company, describe the practices that are most likely to influence employee turnover. Does low turnover contribute to the success of these companies? Explain For Southwest Airlines the forces that have led to SWâ€℠¢s turnover is possibly due to employing those that are not a â€Å"good fit† into the company’s culture. SW places a lot of emphasis on delivering superior customer service and for every employee to deliver on a daily basis can be challenging. Lincoln Electric turnover would probably be due to the number of internal candidates that compete for growth opportunities.I feel that once an employee who is seeking greater responsibility does not get it they will eventually leave. Furthermore, I do think that because of the low turnover for both company’s it has afforded them the opportunity to be successful in their perspective industry. Whenever any company experience low turnover they are always able to maintain productivity, customer satisfaction and maintain positive employee morale. In addition, when turnover is high they lose productivity first, they have to replace that exiting employee and then second they have to get the new employee trained which takes time. How to cite Hrm 556, Papers

Loan monitoring system RRL free essay sample

?2. 0 RELATED LITERATURE 1. (http://www. oum. edu. my/oum/v3/download/CBAD2103. pdf) In this age of information, almost all fields of endeavor such as education, manufacturing, research, games, entertainment, and business treat information systems as a need. Indeed, every activity in our daily life today requires people to get involved in the use of information systems. Many organizations today use information systems to offer services with greater satisfaction to customers, to access a wider range of information, to handle Business changes at a greater speed, and to increase the productivity of workers. Based on a number of researches, an effective information system should be able to exceed customer expectations and fulfill business needs. As such information technology, a subset of information systems, has become the prime reason for the success and failure of a company to compete in business. This illustrates the impact of information technology on business operations today. As a result, designing an information system of high quality is important so that organizations can compete successfully in the global market. In Lending institutions, having an automated Loan System that store,update,retrieve and monitor data efficiently and faster is an edge to be more competitive and progressive in their business. In this chapter the researchers highlight on the study of the concepts concerning the processes of the system and similar studies related to the system. 2. 1 Concepts 2. 1. 1 What is Information System ? 2(http://en. wikipedia. org/wiki/Information_systems#The_discipline_of_information_systems) Information system (IS) is the study of complementary networks of hardware and software that people and organizations use to collect, filter, process, create, and distribute data. The study bridges business and computer science using the theoretical foundations of information and computation to study various business models and related algorithmic processes within a computer science discipline. Computer information system(s) (CIS) is a field studying computers and algorithmic processes, including their principles, their software and hardware designs, their applications, and their impact on society while IS emphasizes functionality over design. Any specific information system aims to support operations, management and decision making. In a broad sense, the term is used to refer not only to the information and communication technology (ICT) that an organization uses, but also to the way in which people interact with this technology in support of business processes. Some authors make a clear distinction between information systems, computer systems, and business processes. Information systems typically include an ICT component but are not purely concerned with ICT, focusing instead on the end use of information technology. Information systems are also different from business processes. Information systems help to control the performance of business processes. According to Alter, S. (2003) in his book , â€Å"18 Reasons Why IT-Reliant Work Systems Should Replace ‘The IT Artifact’ as the Core Subject Matter of the IS Field,† argues for advantages of viewing an information system as a special type of work system. A work system is a system in which humans and/or machines perform work (processes and activities) using resources to produce specific products and/or services for customers. An information system is a work system whose activities are devoted to processing (capturing, transmitting, storing, retrieving, manipulating and displaying) information. Information system has been defined in terms of two perspectives: one relating to its function; the other relating to its structure. From a functional perspective an information system is a technologically implemented medium for the purpose of recording, storing, and disseminating linguistic expressions as well as for the supporting of inference making. From a structural perspective an information system consists of a collection of people, processes, data, models, technology and partly formalized language, forming a cohesive structure which serves some organizational purpose or function. The functional definition has its merits in focusing on what actual users -from a conceptual point of view- do with the information system while using it. They communicate with experts to solve a particular problem. The structural definition makes clear that IS are socio-technical systems, i. e. , systems consisting of humans, behavior rules, and conceptual and technical artifacts. 2. 1. 1. 1 What is Information Technology? Information technology is a subset of information systems. Specifically, it can be defined as the study, design, implementation, support or management of computer-based information systems. These systems could include software as well as hardware such as computers, servers and networks. Information technology also often governs the acquisition, processing, storage and dissemination of digitized information, or data, generated through the disciplines of computing and telecommunications. A career in information technology often requires a degree in computer or information science and can offer several different career paths, such as information security, network or database administration, infrastructure management, computer programming and software development. 2. 1. 1. 2 Information Systems vs. Information Technology 3(http://www. floridatechonline. com/online-degree-resources/information-systems-vs-information-technology/) As technology has become more advanced, the role it plays in today’s movies and television shows has also grown considerably. Although the entertainment industry likes to group computers and the people who build and maintain them under a single â€Å"information technology† umbrella, the fields of information technology and information systems actually refer to two distinct careers. However, since these fields are often used interchangeably in casual conversation, most people don’t make a distinction between them or other similar variations within the industry. The public perception that these terms can be used equally to describe the same field has often caused confusion for those who are interested in pursuing a technology-related career. Although each of these fields deal with computers, they have distinct characteristics and specific career paths that require different education and training. 2. 1. 1. 3 Information System Components 4(http://araku. ac. ir/~a_fiantial/ISR_Lec_[4]. pdf) A system is a set of related components, which can process input to produce a certain output. Every system requires a form of data input. For example, an ATM machine accepts data when you enter the PIN number. A washing machine accepts data when you select the start buttons. They process the inputs and produce their respective outputs. In an information system, input data consist of facts and figures, which form the systems raw material. Information is data that has been usefully processed. However, an information system does not only contain data and information. There are also other elements inside the system, which are related and are in support of one another. The presence of these related elements makes information more useful whereby, it can be made available, can be processed, distributed, manipulated, saved, and so on. This combination gives rise to a system, which is orderly and as such it is called an Information System. The activity of converting data into information is called a process. An information system contains the following FIVE main components: Hardware Information systems hardware refers to all types of hardware and the media used for input, processing, managing, distributing and saving information that are being used in an organization. Examples of the hardware are the physical computers, networks, communication equipment, scanners, digital drives, and so on. Hardware is the physical embodiment of an information system. It is one of the main elements which creates the information system cycle. Software Software consists of two categories the system software and the application software. 1. System Software controls the computer and contains the operating system and device drivers, which can communicate with the hardware. It can also modify data into a new form, prevent viruses and make copies. 2. Application Software- contains programs which can help users and enable companies to perform business functions. Users can increase productivity with the presence of application software such as spreadsheets, word processing, ordering systems, and accounts receivable. Data refers to the raw facts on any thing or entities like student names, courses and marks. The raw data that has not yet been provided can be processed to become more useful information. Information is an organized, meaningful and useful interpretation of data . such as a company’s performances or a students academic performance. Information systems change data into information, which is useful and capable of giving a certain meaning to its users. Process explains the activities carried out by users, managers and staff. Process is important for supporting a certain business model available as written documents or as reference materials on-line. The procedure for using a certain matter is very wide and very important to ensure that it can be implemented with success. All the information system components contain management and implementation procedures on their own, and they are different from each other. Human – There are the users as well as the managers who are provided invaluable information whether inside or outside the company. Users can be broken up into three categories, which are: 1. End-Users, consisting of the staff, customers, suppliers and others who communicate with the information system. 2. Internal Users, including the managers, technicians, sales representatives and corporate officers. 3. External Users, consisting of the customers who use the companies system for performing transactions, suppliers who use the system for planning sales, and the staff who use the system outside office hours. 2. 1. 1. 4 Different Types of Information Systems 1. Transaction Processing System The earliest electronic system in business consisted of computer and programs used to record and report transactions. Called transaction processing systems, or TPS, they are most widely used information systems. TPS’s predominant function is to record data collected at the boundaries of organizations, in other words, at the point where the organization transacts business with other parties. TPS’s include cash registers, which record sales; automatic teller machines, which record purchases. After these data are collected, the IS either automatically processes the data into information or stores it for later processing on demand. 5( Oz, 2002. ,Pp. 21-23) It is a type of information processing system, software and hardware combination, which supports Transaction processing. Transaction processing is a type of computer processing in which each individual indivisible task, called a transaction, is worked upon and executed as and when it comes. The response to requests is immediate. In contrast to this is batch processing in which a batch of requests are stored and then executed all at once. A transaction Processing System is also used to collect, store, retrieve and modify transactions executed by an organization. Transaction processing systems are helpful in three areas: 6(http://publib. boulder. ibm. com/infocenter/txformp/v6r0m0/index. jsp? topic=%2Fcom. ibm. cics. te. doc%2Ferziaz0019. htm) 1. System runtime functions Transaction processing systems provide an execution environment that ensures the integrity, availability, and security of data. It also ensures fast response time and high transaction throughput. 2. System administration functions Transaction processing systems provide administrative support that lets users configure, monitor, and manage their transaction systems. 3. Application development functions Transaction processing systems provide functions for use in custom business applications, including functions to access data, to perform intercomputer communications, and to design and manage the user interface. 2. Management Information Systems 7( Oz, . 2002 ,Pp. 21-23) In the 1970’s, managers realized that they could use computer-based information systems for planning, control, decision making, and problem solving, rather than just for reporting transactions. These new types of information systems came to be known as management information systems, or MISs. Management information system, or MIS, broadly refers to a computer-based system that provides managers with the tools to organize evaluate and efficiently manage departments within an organization. In order to provide past, present and prediction information, an MIS can include software that helps in decision making, data resources such as databases, the hardware resources of a system, decision support systems, people management and project management applications, and any computerized processes that enable the department to run efficiently. DECISION SUPPORT SYSTEMS designed to help organizational decision makers make decisions. DSS usually have three major components: a database, a model base, and a dialogue module. The database contains data relevant to the decision to be made. The model base contains one or more models that can be used to analyze the decision situation. The dialogue module provides a way for the decision maker, usually a non-technical manager, to communicate with the DSS. By running the data and possible decisions through one or more models, the decision maker can compare possible solutions to the problem at hand. The DSS allows the manager to test or propose different solutions and see what the results may be before committing to any particular model. The first decision support systems were designed to support individual hen computing technology was more primitive and more difficult for non-technical people to use, an intermediary often used the DSS for the manager. The intermediary was usually a staff person who had the computer skills the manager lacked to work with the DSS. The manager would then use the output to help decide which course of action to take. Due to early technical limitations, each individual or specific DSS had to be designed and built one at a time. Now, many decision support systems run on microcomputers. The models are relatively easy to construct, change, and interpret using such software programs as electronic spreadsheets. Tools like spreadsheets and fourth-generation language (4GLs) are called DSS generators because they are general purpose tools that can be used to develop many specific DSS with relative ease. Executive Support Systems Another relatively new form of DSS is referred to as executive support systems (ESS) or executive information systems (EIS). Executive support systems are designed specifically for high-level executives who may not have many computer skills have very little time to devote to any given situation An ESS is relatively easy to manipulate and usually provides graphical presentations on several different pre-defined topics (see Figure 5). Some executive support systems allow an executive to drill down into the data to a deeper, more specific level. For example, an executive who sees that sales have decreased for the month in the North American market may want to find out which segments of the market are doing best. The executive would then ask for the same information by segment and, seeing that the Western U. S. segment had the best performance, the executive may then want to see which sub-region had the best performance. Once the information is presented at this level, the executive would see that Southern California had done the best. The executive may then want to examine the information by city, and so on. EXPERT SYSTEMS 8(http://www. prenhall. com/divisions/bp/app/hoffer/student/supp2. html) Different from any of the other classes of systems we have discussed so far, expert systems (ES) attempt to codify and manipulate knowledge rather than information. By knowledge, we mean understanding acquired through experience, deep and extensive learning. Expert systems are based on principles of artificial intelligence research. Artificial intelligence is the branch of computer science devoted to creating intelligence with machines. Typically users communicate with an ES through a dialogue during which the ES asks questions and the user supplies the answers. The answers are then used to determine which rules apply and the ES finishes with a recommendation based on its rules. One of the most difficult parts in building an ES is acquiring the knowledge of the expert in the particular problem domain. Specially trained people called knowledge engineers perform this knowledge acquisition. Knowledge engineers are similar to systems analysts; however, they are trained to use different techniques, as determining knowledge is considered more difficult than determining data. 2. 1. 2 Traditional Loan System in Rural Banking 2. 1. 2. 1 What is a Loan? 9(http://en. wikipedia. org/wiki/Loan) In finance, a loan is a debt evidenced by a note which specifies, among other things, the principal amount, interest rate, and date of repayment. A loan entails the reallocation of the subject asset(s) for a period of time, between the lender and the borrower. In a loan, the borrower initially receives or borrows an amount of money, called the principal, from the lender, and is obligated to pay back or repay an equal amount of money to the lender at a later time. Typically, the money is paid back in regular installments, or partial repayments; in an annuity, each installment is the same amount. The loan is generally provided at a cost, referred to as interest on the debt, which provides an incentive for the lender to engage in the loan. In a legal loan, each of these obligations and restrictions is enforced by contract, which can also place the borrower under additional restrictions known as loan covenants. Although this article focuses on monetary loans, in practice any material object might be lent. 2. 1. 2. 2 Who provides a loan? 10(http://www. wisegeek. com/what-is-a-lending-institution. htm#didyouknowout2) A lending institution is any type of financial organization or institution that provides loans to borrowers. There are many different types of lenders in the marketplace today, ranging from banks and credit unions to mortgage and payday loan companies. The range of loan types offered by any one financial institution will vary, depending on the structure of the organization. Typically, all lenders will charge some rate of interest for the amount of funds borrowed, and require the borrower to commit to a contract that spells out the terms for repayment. One of the more common examples of a lending institution is a bank. The ability to provide loans is only one of several services offered by banks, but consumers often think of approaching the bank where they already have existing accounts such as checking and savings when they are in need of financing for the purchase of a home, a car, or even a personal loan of some type. A bank is a depository institution, a trait that is not universally shared by all types of lending institutions. 2. 1. 2. 3 What is a Rural Bank? 11(Miravite, 1976,Pp. 2) The term â€Å"Rural Bank† means any bank organized and incorporated in accordance with the provisions of the Rural Banks Act for the purpose of providing the means of facilitating and improving the productive activities of small farmers, merchants and their cooperatives serving rural industries and enterprises through easily accessible credit facilities on reasonable terms. Rural Banks are regional unit banks, hence they cannot establish branches, agencies, or extension offices on a nationwide basis. Borrowers 1. Eligible Borrowers The following may borrow or loan from a Rural Bank: a. A farmer who may be an individual or an organized cooperative owing not more than 50 hectares of agricultural Land. b. A merchant whose investment does not exceed P 50,000. c. An Operator of a rural industry or enterprise with investment not exceeding P50,000; and d. An Operator of an essential rural industry producing goods ordinarily purchased by the low income groups , and useful or necessary in their daily economic activities. These borrowers likewise must have character (integrity of purpose as evidenced by promptness in paying debts, and reputation for honesty), capacity (management ability and competence), and capital. 2. Ineligible Borrowers 12 (Miravite, 1976,Pp. 142-143) a. Officials and employees with respect to the rural bank to which they are assigned or in which they are conducting examination. Officials and employees of other departments, offices or other units of the Central Bank . during the period of time that an application or any paper of such rural bank is being evaluated, processed or acted upon by such personnel. 2. 1. 2. 4 Non-supervised and Supervised Credit Lending Operations 13(http://hiring. monster. com/hr/hr-best-practices/recruiting-hiring-advice/job-descriptions/loan-officer-job-description-sample. aspx) Non-supervised Credit Lending Operation A. Short-term or Production Loans: Short term loans are of three kinds: Agricultural, Commercial and Industrial. a. Agricultural Loans Agricultural loans may be granted to a farmer or to a duly registered cooperative owning or cultivating as tenant, lessee etc. , not more than 50 hectares of land dedicated to agricultural production. b. Commercial Loans The loan may be granted for the purpose of purchasing commodities for resale, which are considered necessities or semi-necessities and are of general acceptability and quick turnover. Retail or wholesaler merchants whose capital investment does not exceed P 50,000 may be granted commercial loans c. Industrial Loans This loan may be granted for any of the following purposes: 1. Expenses for labor to manufacture goods which are in demand, readily saleable , have a quick turnover, and considered necessities or semi-necessities, or essentials or semi-essentials; 2. Purchase of raw materials to manufacture or process these goods; and 3. Marketing of these goods. An industrial load may be granted to: 1. An operator of rural industry or enterprise whose capital investment does not exceed P 50,000; and 2. An operator of an essential rural industry or enterprise (irrespective of amount of capital investment) which produces goods ordinarily purchased by the low-economic groups and are useful or necessary in their daily economic activities. Supervised Credit Lending System 14(Miravite, 1976,Pp. 168-179) Supervise Credit is a system of lending under which a farmer or any other type of borrowers agrees in writing that he will apply proven farm or production practices necessary to conserve the land, improve its fertility and increase its production, and abide by the approved farm plan and budget jointly prepared by him and a duly accredited supervised credit technician . 1. 2. 1. 2. 5 Loan in charge employees 15(http://www. americasjobexchange. com/appraiser-job-description) 1. Loan Officer- develops loan packages and evaluating applicant information and documentation prior to approval and release. Job Duties: Evaluates loan applications and documentation by confirming credit worthiness. Improves loan applications and documentation by informing applicant of additional requirements. Rejects loans by explaining deficiencies to applicants. Approves loans by issuing checks or forwarding applications to loan committee. Completes loan contracts by explaining provisions to applicant; obtaining signatures and notarizations; collecting fees. Helps customers by answering questions; responding to requests. Maintains customer confidence by keeping loan information confidential. Updates job knowledge by participating in educational opportunities; reading professional publications; maintaining personal networks; participating in professional organizations. Accomplishes bank mission by completing related results as needed. 2. Loan Appraiser Responsible for determining the monetary value of merchandise, property, or business assets for a company, including real estate and other assets. Primary Responsibilities 2. Perform detailed inspections on property to determine value, factoring in dates, quality, and age of property. 3. Use data such as incorporating cost, market and income approaches to property valuation. 4. Produce written appraisals for clients, government agencies, or companies 5. Compile research in detailed reports 6. Correctly identify discrepancies between the property’s description and its actual state. 7. Demonstrate ability to analyze a problem coherently and provide precautionary advice before a purchase 8. Work on a client-to-client basis, making appraisals for a variety of reasons. 3. Loan Clerk 16(www. onetcodeconnector. org )- work with customers who are seeking loans and also prepare loan paperwork and loan contracts. They only need a high school diploma but also receive relevant training from their employers. Read on to learn more about becoming a clerk for the lending industry. Loan Clerks are responsible for clerical matters, including preparing, auditing and finalizing forms or contracts. They ensure the creditworthiness of interested parties through reference checking. Loan Clerks can work more specifically as loan service clerks, who maintain payment records, or as loan closers, who organize and execute closing procedures . 4. Loan Collector 17 (http://hr. fas. harvard. edu/files/fas-hr/files/loan_collector_ii-52. pdf) responsible for collection of more complex delinquent accounts. Contacts debtors and necessary officials to reconcile outstanding balances, initiates legal action when appropriate, and assists in coordination of collection of systems and procedures. 5. Loan Operations Manager 18(https://www. fnblg. com/custom/fi/fnblagrange/fb/disclosure/Loan-Operations-Manager. pd )- responsible for managing the Loan Operations Department of the Bank. Effectively support the lending team for both banks. Develop and implement best practices in loan operations related processes and procedures. Pro active leader and team player with the ability to be influential and establish positive working relationships across the organization. 2. 1. 2. 6 Manual Loan System Procedure 19(Miravite, 1976,Pp. 142-143) 1. Loan Application Form and contents The loan application filed by a qualified borrower must be in form prescribed by CB and should contain information stating the amount applied for, term desired, collaterals offered and purpose of the loan with itemized estimates of intended disbursement of expenses. 2. Action by Bank The bank upon receipt of the application, shall conduct a credit investigation through its inspector to include verification of the existence of the project, the collaterals offered , the actual credit needs and the repayment capacity of the borrower. The manager then processes the loan application by interviewing the applicant and in the proper cases, respectable citizens of the community, and requiring him to submit a statement of assets and liabilities. On the basis of the application, the inspector’s report and the interview, the manager submits a report and the interview, including therein information as to applicants eligibility to borrow, purpose of the loan, and credit risk. 3. Disclosure Statement under Truth in Lending Act At this juncture the manager , complying with the provisions of the Truth in lending Law and the implementing regulation issued by the Central Bank . 4. Approval of Loan Application The approving authority in Rural Banks for loan applications is its board. However, the board may delegate it to the manager/president or to the credit committee . 5. Execution of Documents by borrowers after it is approved; the borrower is notified to go to the bank to execute proper documents. 6. Release of Loan The loan should be released on staggered basis as required by the specific needs of the project to avoid diversion of loan. 2. 1. 3 Automated Loan System 20(http://www. investorwords. com/14175/computerized_loan_origination_CLO. html#ixzz2rLSqYcg2) A system used by Financial institutions. , it is a type of information System that falls under the category of Transaction Processing system and a Decision Control System that is developed with the use of computers to facilitates Loan operations smoothly efficiently and hassle-free in a shorter period of time. 2. 1. 3. 1 The Need for an Automated Loan Processing System 21(http://blog. newgensoft. com/the-need-for-automated-loan-processing-system) Today, customers are more knowledgeable and more demanding than ever. They are aware of all the options available to them and, if a lending organization is not able to process a loan application within a desirable time frame, they are quick to switch to some other organization that can very well do so. Banks and financial institutions need to realize that to maintain loyalty customers demand convenience apart from attractive interest rates. Often banks are challenged by the manual processing of loans, creating spiraling labor costs and backlogs of files preventing loans from closing on schedule. This translates into loss of business to competition. For this reason, many Indian banks and financial institutions are now following the footsteps of their global counterparts in automating their lending processes, covering the entire loan life cycle – from loan origination through loan application process, risk assessment, decision-making, monitoring, and management control of approved loans. An automated loan processing solution allows these lending organizations to close more qualified loans faster with improved operational efficiency. It virtually eliminates the tedious sorting of both paper and electronic files and dramatically minimizes the costly manual data entry. The key benefits of an efficient loan processing system include: Reduction in processing time by Optimal work distribution Immediate identification of bottlenecks and deviations Parallel processing of loan application documents Greater customer satisfaction through quicker response and new product offerings Efficient document management and tracking of status across the bank Improved performance monitoring using audit trails and ability to drill down to granular details Minimized manual entry of critical loan information Enhanced accuracy of data entered into the loan system Better compliance with regulatory requirements Reduced turnaround and processing times Easy handling of fluctuations in loan volume Thus, automation enables lending organizations to process more qualified loans each day – and at a lower cost per loan – providing these organizations the much needed advantage to stay competitive, in a dynamic business environment . 2. 1. 4 Loan Terminology 22 (http://www. loanontime. com/kb. pdf) Appraisal- A report written by a qualified expert – Appraiser, that states an opinion on the value of a property based on its characteristics and the selling prices of similar or comparable properties in the area. Appraiser A person qualified by education, training, and experience to estimate the value of real property and personal property. Borrower (mortgagor, trustor) One who applies for a loan secured by real estate and is responsible for repaying the loan (mortgage). Collateral An asset (such as a car or a home) that guarantees the repayment of a loan. The borrower risks losing the asset if the loan is not repaid according to the terms of the loan contract. Collection The efforts used to bring a delinquent mortgage current and to file the necessary notices to proceed with foreclosure when necessary. Credit An agreement in which a borrower receives something of value in exchange for a promise to repay the lender at a later date. Credit history A record of an individuals open and fully repaid debts. A credit history helps a lender to determine whether a potential borrower has a history of repaying debts in a timely manner. Credit report A report issued documenting the credit history and current status of a borrowers credit standing, by an independent agency that contains certain information concerning a mortgage applicant’s credit history and current credit standing. Used by a lender in

What Is a Good Doctor free essay sample

What is a good doctor? What makes a good doctor perfect? In the articles Phlebitis by Lair Eigther,The Doctors as Stranger by David Rothman, and the book The Spirit Catches You and You Fall Down by Anne Fadiman these authors state different situations and outlooks the patients were in. For instance the writers explored whether the patients had good medical treatment. Furthermore the authors view the disconnection between the doctors and the patients on how physicians should be able to train differently so we can enrich the relationship between the doctor and patient. Patients believe a good doctor is a doctor that is compassionate. A good doctor is a doctor who communicates with their patient, gives medical information and understands the culture, beliefs and the situation of the patient. For example my niece Gabriela De La Rosa was born without an ear, so her doctor was going to construct her left ear. We will write a custom essay sample on What Is a Good Doctor or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page My aunt doesn’t speak English just Spanish, my aunt had a hard time communicating with the physician. She came to my house a day before the surgery to ask me if I could help her translate, I gladly said yes. In Loma Linda Hospital her surgery was taken at eleven in the morning her doctor and nurses were ready for the surgery. Her doctor kept in touch with me every thirty minutes. The doctor gave us information about any complication, on every step they were doing. He kept in contact for the six hours my niece was in surgery. My niece’s doctor understood our culture because he was also Hispanic he knew that my aunt was passing thru a difficult time and understood her. After the surgery the doctor was checking on my niece at least 3 times a day. He was communicating with us and telling us how fast she was progressing and how she can go home tomorrow in the afternoon and she kept up the good work. This is a good doctor. A doctor that is doing his job on helping his patients in need. Additionally in the book The Spirit Catches You and You Fall Down Anne Fadiman writes about Lia who had good doctors and she was still suffering with her health. Fadiman forces us to question what makes a â€Å"perfect† doctor. A good physician is not a perfect one for example in the book The Spirit Catches You and You Fall Down Dr. Bill explain that the Dr. Neil is not a perfect physician â€Å"If Neil made a mistake, it’s because every physician makes mistakes. If it had been a brand new kid walking off the  street, I guarantee you Neil would have done a septic work up and he would have caught it. But this was Lia . No one at Merced Community Medical Center would have notice anything but her seizures. Lia was her seizures(Fadiman 256). The quote explains that if Dr. Neil was dealing with any other child off the street he would have done an extraordinary job and wouldnt have a difficult time with the pa tient is health, and understanding the culture and language. What is a bad physician? A bad doctor is one who views the patient as a profit but not a human. Therefore author Rothman states on his article that many doctors view the patients as profit not human beings that need medical help. For example â€Å"The Doctor Business , tell about an accident in which a young boy fell into a well ; after volunteers worked unstintingly for twenty four hours to dig him out, his parents took him to a local doctor, who proceeded to bill $1500 for his services† (Rothman 141). What Rothman explains that No physician has the right to refuse health care to anybody if they are not stable financially. Every patient has the right to have health care in any clinic, hospital, and emergency room. Another way of proving that a doctor is a bad doctor is by giving his patient the medication he believes it’s better for the patient. A doctor that believes on giving him the medication he believes is better for its patient. When the patient knows that the medication that was given to him was not helping his pain. For example referring back to Eightner article he states this â€Å"I asked that the Vicodin be changed to Naprosyn another nonsteroid pain reliever and anti-inflammatory drug comparable in effect to Ibuprofen. Eventually a nurse brought me some Ibuprofen. Perhaps if I had asked for ibuprofen I would have got Naprosyn† (Eighner 151). Eighner asked for certain medication to help him out on his pain but the faculty believes on giving him the medication they consider is better for his medical help he states if he would of asked for another medication he would of got the m edication he need . What is the patient’s bill of rights? Many Patients dont know what their rights are. Everyone has the right to health care in any clinic, hospital and emergency room the bill of rights form should be given to the patients so they could know and understand what their rights are. Eighner was one of the few patients that knew what his bills of rights were, but also had some knowledge of medication. Eighner was a patient that only had a watery swelling ankle that needed medical attention. Eightner’s rights were  violated by the faculty and doctors. Eighner was not allowed to view his medical chart, and he was given different medication. Doctors had lied to him about his medical condition. They also stated that if he left the hospital he was not going to survive because he had a deadly medical condition. Eigther realize the doctors were lying to him because the physician didn’t allow him to view his medical chart. For example Eighther remembered pointing out to Dr. Stalin when Dr. Velasquez said he could view his chart whenever he wanted. â€Å"I pointed out that he had been in the room when Dr. Stalin had said I could look at the chart whenever I wanted. He claims he had been called out of the room and had not heard her say that. Of course he had not been called out of the room. I knew for a fact he was there† (Eightner 153). Eightner rights were violated and his doctors were bad doctors because they lied about his medical condition. He was one of a kind patient that knew his bill of rights and notice on time that the doctors were lying to him . How can we change doctors training system? Society believes that doctors training system need to change because of the miscommunication with the patients and their culture. Fadiman doctors have misunderstanding of the Hmong culture. The book The Spirit Catches You and You Fall Down has several conflicts doctors vs. parents, parent vs. doctors, doctors vs. Doctors, miscommunication with each other. Physician had conflicts with Lia’s parents because of their culture, language and belief’s. â€Å"Merced Community Medical Hospital had not yet hired any interpreters, de jure or de facto, for any shift. At that time the only employee who sometimes translated for the Hmong patients was a janitor, a Laotian immigrant fluent in his own language, Laos which few Hmong understand; halting in Hmong; and even more halting in English. (Fadiman 25-26). This quote means that Merced Community Medical Hospital had not hired an interpreter to help doctors communicate with Lia’s Parent and the only person that would help them communicate would be there janitor. Additionally Fadiman had seen the conflict between doctors vs. parents, when Lia’s do ctor tried to apply a medication to her but her parents refused. The doctors called child services because they believed that Lia was safer in a foster home because they need to give her the right amount of medication, her patents were giving her too much or too little of it; it was never the right amount because of the misunderstanding of the language. For example  Ã¢â‚¬Å"Lia’s prescriptions had been changed so often, her parents might been more likely to give her, her medication since they would have been less confused and more confident that the doctors knew what they were doing (Fadiman 78).Lia’s parents had a difficult time giving her the medication because and Lias prescription was changed of often, he parents were most likely given her to much or too little of it. Parents vs. Doctors were having a difficult time because the parent thought the doctors were harmful. The Hmong’s fear doctors because they believe American Doctors would eat them after their dead. â€Å"When Hmong people die in the United States, is it tru e that they cut into pieces and put it in tin cans and sold as food† (Fadiman 32). The Hmong culture believed that American doctors cut them and sold their bodies in food cans after they were dead. The doctors vs. doctors were arguing that one was better than the other. â€Å"Later on when I figured out what had happen, or not happened on the earlier visits to the ER, I felt good. It’s kind of a thrill to find something someone else missed, especially when you a resident and you are looking for excuse to make yourself feel smarter than the other physicians†(Fadiman 27,28). Meaning one of the doctors that helped Lia before in the ER didn’t pay attention to Lia’s symptoms and bragging that you’re a great doctor in MCMC but Dr.Murphy diagnose her with epilepsy.Dr. Dan Murphy diagnose Lias seizures. Lia parents already know how to diagnose their daughter problem. They believe it was her spirit catches you and you fall down. Lias parents never knew that Dr. Dan had diagnosed Lia with epilepsy. Dr. Dan would have been surprised to hear they were caused by soul loss. What makes a good doctor good? One can conclude that even a good doctor can make mistakes and there is no perfect doctor even if it’s good or bad. All doctors have different way of doing their medical job. Every patient needs to know their rights so Doctors wont violate their right just like Eighner. Eighner is one of the few patients that knew his bill of right. How society wants to change the doctors training system so they could understand other cultures and be connected with its patients.

Free Essays on Daniel Pearl

The United States of America is a â€Å"special nation†, with a manifest destiny to become the â€Å"protectors of the free world†. And so the ironic battle begins here as we began to realize that the free world is in a paradox of itself. As protectors, this ideological thinking has grown into a foreign policy, and freedom is no longer just a gift but instead every human’s right and a moral of society. Since 1776, when America had declared freedom its almost as if â€Å"freedom† became a never-ending battle to fight for. And as if on a crusade the United States has enforced their ethics creating an ideological illusion to be enforced globally by the most powerful individual and in turn protected by the most powerful country in the world. This never-ending war for individual freedom has resulted in an inevitable Yin Yang, conflict of values, a creation of heaven vs. hell, and thus concluded to an ideological battle of Good vs. Evil. This disagreement of Good Vs. Evil is taken upon as a war for individual freedom fought at all costs even if the â€Å"ends justify the means† along with the theory that violence outside the law to achieve justice is acceptable. This â€Å"above the law† status created by American ideals has sunk into the blood and veins of the people. Other myth such as technology, being the protector and savior of the people, is demonstrated by the status of the United States as a world â€Å"super power†. All these myths help to form a culture of individuality and heroic mindsets. These ethics grow out of myths and transform into reality as Americans witness, its government policies leap into international waters to take action, through their â€Å"technological savior†: the media. The ideology of America has created a visible paradox making it evident of a glitch in its media, culture, and society. By analyzing the ideology of the American individualistic culture that is apprais ed in Society and in fact practiced ... Free Essays on Daniel Pearl Free Essays on Daniel Pearl The United States of America is a â€Å"special nation†, with a manifest destiny to become the â€Å"protectors of the free world†. And so the ironic battle begins here as we began to realize that the free world is in a paradox of itself. As protectors, this ideological thinking has grown into a foreign policy, and freedom is no longer just a gift but instead every human’s right and a moral of society. Since 1776, when America had declared freedom its almost as if â€Å"freedom† became a never-ending battle to fight for. And as if on a crusade the United States has enforced their ethics creating an ideological illusion to be enforced globally by the most powerful individual and in turn protected by the most powerful country in the world. This never-ending war for individual freedom has resulted in an inevitable Yin Yang, conflict of values, a creation of heaven vs. hell, and thus concluded to an ideological battle of Good vs. Evil. This disagreement of Good Vs. Evil is taken upon as a war for individual freedom fought at all costs even if the â€Å"ends justify the means† along with the theory that violence outside the law to achieve justice is acceptable. This â€Å"above the law† status created by American ideals has sunk into the blood and veins of the people. Other myth such as technology, being the protector and savior of the people, is demonstrated by the status of the United States as a world â€Å"super power†. All these myths help to form a culture of individuality and heroic mindsets. These ethics grow out of myths and transform into reality as Americans witness, its government policies leap into international waters to take action, through their â€Å"technological savior†: the media. The ideology of America has created a visible paradox making it evident of a glitch in its media, culture, and society. By analyzing the ideology of the American individualistic culture that is apprais ed in Society and in fact practiced ...

Blaming Khrushchev for the Cuban Missile Crisis Is Wrong

Blaming khrushchev for the Cuban missile crisis is wrong, for it is kennedy who precipitated the crisis and no one else. Cuban missile crisis does not consist only the placement of missiles in cuba , but also the things before it, cubas nationalization of industries ,like the bop, the embargoes , the soviet giving of aid to ussr, Subject: outbreak / origins of the Cuban missile crisis Focus: role of superpower involvement Timeframe : 1959 to 1962 Keyterms to note: precipitation of crisis Arguments 1. Khrushchev was to be blamed as well as kennedy 2. Only krushchev should be blamed The personalities of who was to be blamed for the Cuban missile crisis can be traced as one looks at the events in th1950s which led to Cubas deteriorating relations with the USA and its subsequent alignment with the USSR, which led to the placement of missiles in Cuba and the consequent tensions that followed. This relations has its origins in the quest for self interest by newly elected leader, Fido Castro, as while as search for national security by both superpowers from the tension passed down from the cold war in Europe ( qualify). Kennedys search for national security precipitated the crisis when his search translated into actions that directly went against Cuba and pushed Cuba away from the US and into support of the USSR. Kennedy failed to consider that Castros intention to establishing diplomatic relations with the USSR was not to antagonize the US or threaten its national security but mostly for economic benefits. ( the US had earlier refused to grant a loan to Cuba and there were continuing disputes over American property in Cuba). This failure to interpret events correctly led US on its intense quest for national security by instituting economic embargoes on Cuba and direct intervention as seen in the Bay of Pigs invasion. However, such actions were needlessly aggressive for its national security was not threatened in the first place. This however caused a deep rift in the US-soviet relations which was an opportunity for USSR to gain a foothold in the Caribbean ; and thus allowed the opportunity for issiles to be placed on Cuba and arising to the tensions that followed. Khrushchev had a part to play in the Cuba missile crisis as well because his action of giving aid to Cuba, a traditional backyard of the USSR, further fuelled the already intense mistrust the US had of the USSR; eventually cumulating in the Cuban missile crisis, leaving Cuba on the edge of brinkmanship. The role of Castro in starting economic reforms directly affecting American industries also contributed to the US suspicions in the crisis. His actions of turning to the USSR for economic aid ( even though he was not communist) also reinforced US perceptions, and his final agreement for missiles to be placed in Cuba (although he knew the implications of doing so) was the ultimate trigger for USs knee-jerk response and the subsequent tensions that followed. Kennedys misinterpretation of Castros actions ( aligning close to the USSR)-as threatening its national security- stemmed from his perception of monolithic communist aggression and the loss of china to communism. communism expousedeventual showdown and triumph over capitalism. Communism has already extended to parts outside Europe such as China, and as such national insecurity has grown; thus the need to safeguard their national security. This misinterpretation of Castros actions , coupled with Kennedys inexperience in dealing with world affairs, caused the US to embark on its quest for national security through economic embargoes on Cuba the initial bay of pigs as a direct intervention . However, such actions were needlessly aggressive for its national security was not threatened in the first place when castros intentions were for economic benefits rather than to deliberately antagonize the US. Furthermore, due to his inexperience,Instead of turning to diplomatic action, kennedy set on the institution of a military solution (With the aim was to oust Castro from power and to reverse the effects of the reforms) caused Castros fear of more direct American intervention ( demonstrated by the case of Guatamalan) and the desire for military protection in anticipation of it and to seek protection from future efforts to unseat his revolution. This further motivated Castros shift to the USSR and his subsequent nationalizing of American owned industries, banks, etc, which created the conditions for the Cuban missile crisis to happen. Castros shift to the USSR directly coincided with Khrushchevs quest for a successful foreign policy and need to address nuclear strategic imbalance. Khrushchevs search for USSRs national security could be traced from the need to spread the Solidarity movement worldwide, to extend communist zeal into Cuba so that there would be countries supporting USSR and its line of communism. his need aroused due to events like the humiliation of the Berlin wall and the failed ultimatum over berlin, where the credibility of krushchev (in narrow terms) and Khrushchev( in broad terms) was lost. Krushchev also believed that it was right for soviets to extend their influence into the backyard of the us since the US has extended their influence in Europe. khrushchevwas aware of the weakness of Soviet weakness in terms of the number of nuclear warheads and missiles. Given the weakness of Soviet nuclear capability , placing missiles on cuba could be a quick solution to addressing the strategic imbalance. Khrushchev also had an overtly simplistic view that he must return the same medicine the us had been administering in turkey with the jupiter and thor missiles. thus his action of sending missiles to Cuba. However, the US did not see developments in the way that the USSR did. The US saw the placement of missiles as a provocative and aggressive threat to US security, given that the Soviet missiles could reach major US cities on the eastern coast. The fact that the US had seen Soviet tendencies to lead to aggression against the capitalists from the soviet testing of the atomic bomb, the collaboration with stalin during the nazi soviet pact, and the confrontational Berlin Blockade led the US to think that not only was Cuba turning communist ( that the USSR had indeed extended her sphere of influence and Cuba was a breeding ground for states hostile to the US, followed by states within Latin america), but the placement of missiles would mean a high probability of a pre-emptive first strike from the USSR . Put together with the fact that any changes with the political status qup (with US as a leading political power) would severely undermine the credibility of kennedy and america, and how the US was not prepared to forsake economic interests in Latin America where western Europe can overcome its dollar shortage and pursue economic revival, atop of its search for national security, the uss response was to choose a quarantine. alsothey to produce plans for an American invasion of Cuba and put all American bases around the world on high alert with the expectation that an American nvasion of cuba would provoke a soviet response in Europe. This equated to the intensification of the nuclear arms race when clearly it was dangerous; and led the countries to be on the edge of mutually assured destruction. as it reached crisis level It threatened the existence of the entire world. While it is undeniable that the issue that kickstarted the intensification of the nuclear arms was the soviet placem ent of missiles in cuba, it should be noted that both superpowers played a part in their quest for national security and self-interest. Kennedys perception of monolithic communist aggression led it to its attempts to try to cripple Cuba to prevent it from posing any threat to the US national security through the institution of actions that were needlessly hostile towards Cuba, causing it to turn to the USSR. This granted the USSR the opportunity to place its missiles there to address nuclear strategic parity and to spread the zeal of communism to safeguard its national security; which was again viewed as aggression by the US. This led to the oncoming of the Cuban missile crisis, where the nuclear arms race threatened the existence of the entire world.

The Impact of Diversity on Creativity Essay Example | Topics and Well Written Essays - 500 words

The Impact of Diversity on Creativity - Essay Example This is particularly relevant for companies now with the call for both incremental and revolutionary change to enliven the vision and mission† Segal (2001).   Let us take the workplace as an example. Many companies hire people from different ethnic backgrounds. And apparently for very good reasons. The recent years saw the number of corporate managers subscribing to the idea that â€Å"when well managed,† ethnic diversity in the workplace can â€Å"provide organizations with certain competitive advantages.† (McLeod, Lobel & Cox 1996). These managers believe that ideas, which the ethnically diverse groups come up with, are often found to have â€Å"higher quality—more effective and feasible—than the ideas produced by the homogeneous groups,† or the group of people with the same ethnicity. According to McLeod, Lobel & Cox (1996), an enlightened manager realizes that stronger unity exists within diversity. As Lisagor (2006) states;   On the other hand, leaders who appreciate the value of different life experiences, surround themselves with many types of individuals, and encourage dissenting views are usually rewarded with greater success and personal satisfaction.   Advocates for diversity argue that having people with diverse backgrounds will offer diverse ideas to the company.

Education Philosophy and Rationale Essay Example | Topics and Well Written Essays - 1250 words

Education Philosophy and Rationale - Essay Example Multiple Intelligences as a Personal Education Philosophy On a personal perspective, the theory of Multiple Intelligences (MI) by Howard Gardner is the main basis of teaching philosophy. This is one the basis of the recognition of the capabilities of the students in terms of achieving the basic objectives of the teaching and learning process. The theory of Multiple Intelligences can be considered essential as a guide in enabling the educator to recognize the needs of the students in terms of learning. Metaphysics of MI Multiple Intelligences is one of the educational theories which serve as guiding principles in education. The basic knowledge which became the foundation of the theory originated from the two streams of the research conducted by Howard Gardner in 1970, the Project Zero. He also wrote the â€Å"Frame of Mind† in 1983 based on the said research. Gardner’s view is based on biological perspective mainly the collection of cognitive competences which originally was seven and became nine distinct concepts. His theory mainly explored the manner by which human intelligence works in terms of analyzing and the context by which such frames of mind were exhibited (Dixon & McPhee, n.d.). Epistemology of MI The theory of MI, according Gardner, was based on the consideration of the educational philosophers’ views before him. ... ization, work with brain damaged patients, gifted children and other form or conditions which can cause variation in terms of intelligence on the basis of Gardner’s definition. The second foundation of the theory of MI is the relationship of between the forms of intelligences to the human cultural contexts considered to trigger or to exhibit them (Dixon & McPhee, n.d.). There are different forms of intelligences included in Gardner’s theory namely spatial, linguistic, logical-mathematical, bodily-kinesthetic, musical, interpersonal, intrapersonal and naturalistic forms (Slavin, 2008). Linguistic Intelligence. One of the main forms of intelligence is related to the verbal aspect of development or the linguistic intelligence. Included in the said form are the spoken or written words and other faculties of language. The main contexts of linguistic intelligence are reading, writing, telling stories, vocabulary and memorization of words and dates. Strengths include reading, taking notes, listening to lectures, discussion and debate, and learning new languages (Slavin, 2008). It is one of the basic forms of intelligence based on Gardner which according to him can be observed in the â€Å"work and vision of a poet† (Dixon & McPhee, n.d.). Musical Intelligence. The musical intelligence is also referred to as rhythmic intelligence because it is related to pith rhythm and timbre. Based on data gathered by Gardner, the musical ability is distinct from other forms of intelligence, thus, students can be motivated through music-related activities. Also included in the strengths of musical intelligent learners are drama and role playing (Dixon & McPhee, n.d.). Spatial intelligence. One of the forms of intelligence is spatial intelligence which arms a person to comprehend the world

Properties of Analgesics Essay Example for Free

Properties of Analgesics Essay The mass of three analgesics, aspirin, buffered aspirin, and acetaminophen is certainly different. The insoluble particles in each varied as well. If base is added to aspirin, it will neutralize. If it is added to buffered aspirin and acetaminophen, then the pH will increases. First, we found the masses of four tablets of each analgesic. Then, we ground them separately into a powder. Each was dissolved in water and filtered, leaving only the insoluble particles behind The mass of the uncrushed analgesics was compared to its insoluble parts. On the next day, we found the pH of each analgesic, then added NaOH to each in 1mL increments, testing the pH each time. We compared the differing masses (of both the four pills and the insoluables) and the varying pH levels of each analgesic. DATA TABLES: table1 table2 Observation of the Filtering Paper: When the first filtering took place (filtering of aspirin), it left powdered aspirin behind. This was the insoluble materials of aspirin. The other two produced the same results, leaving behind insoluble particles. The buffered aspirin seemed to take longer to filter, followed closely by acetaminophen. The aspirin took the shortest amount of time. ANALYSIS AND INTERPRETATION The masses of the four tablets for each analgesic was: aspirin tablets were 1.929g; buffered aspirin was 2.810g; and acetaminophen was 2.194g. After filtering, the mass of the insoluble material for aspirin was 0.637g; buffered aspirin was 0.676g; and acetaminophen was 0.733g. The pH change varied from each analgesic. For aspirin, the pH never changed when base was added. The buffered aspirin rose 1.5 on the pH scale after the NaOH was added. For the acetaminophen, the pH level raised by 4. Here is a graph of the pH data: CONCLUSION The acetaminophen had the highest mass of insoluble materials, followed by buffered aspirin and aspirin. But, the buffered aspirin had only 24% insoluble material, while the aspirin had 33% and the acetaminophen had 33.4%. The most acidic was aspirin, because it was unaffected by the NaOH. The acetaminophen, however, was affected most by the base. Aspirin is the most acidic of the three, so it should be avoided by those that have stomach coagulation or ulcers, as the acid could make its way into the lining aggravating the stomach. In this case, buffered aspirin could be used, since it contains the least amount of insoluble material. Acetaminophen could be used if one has an allergy to aspirin. EXTENSIONS A grain is a metric equivalent to 0.0649 grams. It is 1/7000 of a pound. So for a 300mg dosage of aspirin, one would be taking 4.61 grains of aspirin. For a 325mg dosage (standard Tylenol) of acetaminophen, one would take 5 grains. For 350mg of buffered aspirin, one would take 5.39 grains.

freud Essay -- essays research papers

Freud: The Idea of â€Å"Repression† In the â€Å"Second Lecture† of Sigmund Freud he uses the concept of â€Å"repression† and he gives the explanation of it as the origin of a lot of mental illness such as hysteria. Freud associates the symptom to a will conflict. He defines it as a perversion of the will because involuntarily an inhibited intention emerges. It is the premise of the dissociation. Freud explains the hysteria through the repression mechanism with a comparative study. First the subject is susceptible to pretend to elude the fulfillment of an unpleasant obligation. The second, is referred a conception of the human being like whom cannot dominate everything by himself; the subject’s ethical and other standards were the repressing forces. In this essay, I disagree with Sigmund Freud theory of â€Å"repression†, He doesn’t give a detail information of the causes of the mental disorders, and he doesn’t gives enough examples to understand his theory. I think that Freud’s explanation is inadequate to explain why people have mental disorders. It is verified how the hypnosis is still used to obtain the revelation of the significant origin of the symptoms of mental disorders. That’s the origin of the repressed memory therapy that Freud discovered with his patients. Freud says â€Å" Staring out from the mechanism of cure, it now become possible to construct quite definite ideas of the origin of the illness†. Of course there are a lot of mental illnesses that are kn...

Division of Labor According to Manuel Ayau Essay

According to Ayau, trade and cooperation is beneficial to all parties despite differences among them in terms of capacity and talent. He states that everyone is made wealthier through cooperation, and how it is that the market economy leads to the benefit of everyone. In our world today, people base their decisions on the comparison of alternative opportunity costs at the margin, so naturally, they choose the least costly option. However, a person can only get rich by enriching others torpedoes claims to the moral high ground of those who propose that government redistribution of wealth is a means to alleviate poverty (Ayau 32). Ayau explains the workings of the free enterprise system, based on the benefits from mutual gains from trade arising from the creative productivity of a market-based and profit-guided system of division of labor. In addition, he explains that the division of labor through comparative advantage, satisfying society’s needs, trading with and by enriching others is the way someone gain wealth. He says people intuitively do what goes by the name of cost/benefit analysis, for they are quite conscious of what they are quite conscious of what they must forgo to acquire whatever they get in exchange. In his example, he explains it through simple diagrams and illustrations, with the same expenditure of time and without increasing individual productivity, the productivity of the combined effort increases the wealth of the group, creating the opportunity for exchange with mutual gain (Ayau 37-41). In the end, Manuel showed how when two participants have different opportunity costs, when trading; this is the key to understanding his attribute of increase in total wealth even when there is no increase in skill, resources, new technology, and etc. In the eyes of Ayau, people subjectively valve what t hey receive more than what they give and that wealth is made through comparative advantage. Works Cited Ayau, F., M., Not a zero-sum game. The Paradox of Exchange. 2007. Part 1, pp.23-50.

Feds vs Anti-Feds

Federalism vs. Anti-Federalism Federalism is the division of power between national and state government. Anti-Federalists believe that power should be equal between the nation and state. An example of Federalism in the constitution is in the 10th amendment, which says that the power that the congress doesn’t have is given to the states. This divides power between congress (national government) and the state (local government). The federalists believed that the Articles of Confederation were too weak. They wanted to ratify the constitution. They also wanted a strong central government.The federalists wrote the Federalist Papers. A few people associated with the Federalists were Jay and Hamilton. They wanted a separation of powers into three independent branches that protect the rights of the people. Each branch would represent a different aspect of people, and no one group can assume control over another because all three branches would be equal. The Federalists think that a l isting of right is dangerous. If the national government were to protect specific listed rights, nothing would stop people from violating rights other than the listed ones.So, they argued that it is better to list no rights at all. Overall, the Federalists had more organized efforts. The Anti-Federalists did not want to ratify the constitution. They just wanted to amend the articles. The Anti-Federalists thought that the constitution gave too much power to the national government at the expense of state governments. It was believed that because of the Necessary and Proper Clause, congress had too much power, and the executive branch also held too much power. Thomas Jefferson was an example of an Anti-Federalist.The Anti-Federalists wanted a bill of rights. This was the focus of their campaign against the ratification. The Bill of Rights is the first ten amendments to added to the constitution to protect liberty. The reason they wanted a bill of rights was because they didn’t want an intimidating nations government taking away the people’s rights again. In an hypothetical election, I would vote for Alexander Hamilton (the federalist) over Thomas Jefferson (the anti-federalist). I choose this because I believe that we should have a strong central government.Our country is based on the power of the government and if the center of the government is weak, then it will effect the rest of the government little by little. We study the constitution because it is a large part of our government’s history, and we are able to learn how decisions were made about the government in the modern day and how much it has evolved from long ago. We are also able to see differences and learn from things that have happened in the past. It is a part of our country and government that can’t be avoided.

Free Essays on Durango Street

Is Dally’s Death a Suicide? The definition of suicide is self murder. Sometimes suicide can happen if you feel depressed or sad, or if a friend of family member had been killed. This kind of incident may make you feel like you could kill yourself. I had a friend die from suicide; it was a serious deal. There are ways to get help with these kinds of feelings: you can get help from a guidance counselor and you can also get medication from your doctor to help stabilize your emotions. In my friend’s case, he was getting some help but not always following his doctor’s directions. Some people kill themselves because they think being dead is better than the situation they’re in. Dally’s death is a suicide. There are a couple of reasons that give it away. Dally robbed a grocery store and then ran under a streetlight and said, â€Å"I have a heater,† (gun), but actually the gun was not loaded. The gun was used as a decoy. The police fell for it and started shooting at Dally and eventually killed him. Dally lost a friend named, Johnny, due to a serious injury caused from a fire. All the â€Å"Greasers† felt the loss. Dally led a very violent life. He had no parents and no guidance at all. He dropped out of high school. He and his friends caused trouble, smoke cigarettes, drank beer, fought, and went to parties for a good time. This is not what I call a normal life. Dally’s record caught up with him and he didn’t like it. He was always running from the police and looking for shelter. He probably got into more trouble in his 16 or 17 years of life than most people would in three lifetimes! This troubled lifestyle started when Dally was young. He was a very hard-nosed man and didn’t like taking advice from other people. Dally was a smart criminal. He knew when to do things at the just the right time. I feel that Dally finally realized that he was leading the wrong kind of lif... Free Essays on Durango Street Free Essays on Durango Street Is Dally’s Death a Suicide? The definition of suicide is self murder. Sometimes suicide can happen if you feel depressed or sad, or if a friend of family member had been killed. This kind of incident may make you feel like you could kill yourself. I had a friend die from suicide; it was a serious deal. There are ways to get help with these kinds of feelings: you can get help from a guidance counselor and you can also get medication from your doctor to help stabilize your emotions. In my friend’s case, he was getting some help but not always following his doctor’s directions. Some people kill themselves because they think being dead is better than the situation they’re in. Dally’s death is a suicide. There are a couple of reasons that give it away. Dally robbed a grocery store and then ran under a streetlight and said, â€Å"I have a heater,† (gun), but actually the gun was not loaded. The gun was used as a decoy. The police fell for it and started shooting at Dally and eventually killed him. Dally lost a friend named, Johnny, due to a serious injury caused from a fire. All the â€Å"Greasers† felt the loss. Dally led a very violent life. He had no parents and no guidance at all. He dropped out of high school. He and his friends caused trouble, smoke cigarettes, drank beer, fought, and went to parties for a good time. This is not what I call a normal life. Dally’s record caught up with him and he didn’t like it. He was always running from the police and looking for shelter. He probably got into more trouble in his 16 or 17 years of life than most people would in three lifetimes! This troubled lifestyle started when Dally was young. He was a very hard-nosed man and didn’t like taking advice from other people. Dally was a smart criminal. He knew when to do things at the just the right time. I feel that Dally finally realized that he was leading the wrong kind of lif...

The impact of the Singaporean Culture on starting a new business ( Research Paper

The impact of the Singaporean Culture on starting a new business ( this is my part of a bigger project) - Research Paper Example Two socio-cultural factors that have an impact on their desirability are the value of innovativeness and the entrepreneurs’ social status, which indicates that the socio-cultural environment of Singapore favors entrepreneurship. Entrepreneurs setting businesses in Singapore have flexibility in various matters. Although the entrepreneurs that deal in the export of such things as sand, rubber, timber, and granite are required to procure special license, yet they have the flexibility of paying the money in the any currency they like since Singapore has no regulation of foreign exchange that normally exist in a vast majority of the countries all over the world. Entrepreneurs in Singapore, both novice and experienced need to closely monitor the modifying trends in the Singapore market and adapt the business to the changing trends in order to optimize the productivity and profitability of the business. â€Å"If you keep your eyes and ears open to new trends while doing business in Singapore, nothing can prevent you from being successful† (Moveandstay.com, 2012). Many options of business venture are available to the entrepreneurs in Singapore that can be profitable for them. ... There is a Singapore Code of Advertising Practice (SCAP) that ensures that high standards of ethics are maintained in advertising. â€Å"The basic premise of SCAP is that all advertisements should be legal, decent, honest and truthful. SCAP was formulated against the background of national law, international law and practice, including the International Code of Advertising Practice published by the International Chamber of Commerce† (CASE, 2008). The main factors that sell in Singapore are quality, price, and service. Prospective exporters need to realize that there is strong competition and the buyers look forward to getting a good after-sales service. The techniques of selling vary from one product to another, though they are comparable to the selling techniques prevailing in a sophisticated market in any country (export.gov, 2012). The extent of willingness of the members of a certain culture to accept and handle the risky and ambiguous situations is known as uncertainty av oidance. Cultures that are high in the level of uncertainty avoidance like to have predictable and structured circumstances that lead to the development and implementation of strict laws and explicit behavioral rules. Such cultures are risk averse towards engagement in the new business activities and unusual approaches of entrepreneurship. Singaporean society has low uncertainty avoidance which means that the people of Singapore have an acceptance towards ambiguity and unstructured situations. The Singaporean people like taking risks like establishing a new business and are open to new ideas. Concluding, Singapore is a land of great opportunities for the investors. The Singaporean society welcomes new ideas in business, and this openness is a great driver of innovation and creativity

The integration of Drama Research Paper Example | Topics and Well Written Essays - 1750 words

The integration of Drama - Research Paper Example A separate stream of education called Theatre in Education (TIE) came up after the Second World War (Farrell, 2002). Drama has been established as successful as a correction tool (Okhakhu, & Usrwoma, 2006)   and as an educational tool(James, 2009).The basic philosophy behind using drama as a process based tool in education is that children tend to use experiences and experiments to learn than reading and listening (Booth, 1994). This basic understanding has been further researched and developed into pedagogies catering specifically to the various learning outcomes. The specific learning requirements of behaviourally and emotionally disturbed children also demand a free platform to do and experience. Research on curriculum catering for the special needs of children with emotional and behavioural disabilities have suggested that such programmes must mandatorily include â€Å"provision of coursework and educational activities relevant to students’ real-world experiences and go als that include a variety of non traditional curriculum,† and, â€Å"provision of effective programming that facilitates students’ social, emotional, and behavioural growth† (Hughes & Adera, 2006).Drama can ideally include these two criteria. Drama has been found by the educational and physiological as an ideal platform for children to have a free environment to enhance learning. The basic strategy in using drama in the curriculum of behaviourally and emotionally disturbed children.... gested that such programmes must mandatorily include â€Å"provision of coursework and educational activities relevant to students’ real-world experiences and goals that include a variety of non traditional curriculum,† and, â€Å"provision of effective programming that facilitates students’ social, emotional, and behavioural growth† (Hughes & Adera, 2006).Drama can ideally include these two criteria. Drama has been found by the educational and physiological as an ideal platform for children to have a free environment to enhance learning. The basic strategy in using drama in the curriculum of behaviourally and emotionally disturbed children is to make learners engage in the learning process. The objective of this essay is to analyse the scope of drama as an effective learning tool to be incorporated in the curriculum of behaviourally and emotionally disturbed children. Drama as cooperative activity Children with behavioural and emotional disabilities or is sues find it difficult to cope with their peers. They also find it very difficult to place themselves in a classroom environment. Thus the basic problem that behaviourally and emotionally disturbed children face in a classroom is that they encounter with a learning environment which they find difficult to cope up with. In the case of behaviourally and emotionally disturbed children, it is a general observation that apart from class room settings, they find it difficult to social gatherings and avenues of cooperative activities. Researches in Psychotherapy have suggested engaging these students in positive environments involving cooperative activities as one of the remedial measures in tacking behavioural issues. Drama serves as an ideal platform for this. It involves wide varieties of cooperative activities