Financial Case Study Example | Topics and Well Written Essays - 2000 words

Financial - Case Study Example It is noteworthy that family is though enjoying the current ease of payments but is piling up debt that will move beyond the capacity of the family in future. Major pressures will be piled up from regular home installment, investment unit’s huge payment that is also not offering redraw facility, credit card that is piling up with regularity. The dividends from the stocks that Ann inherited are already recognized as franked and so cannot be relied for payment of certain of such debt. One aspect that identifies the issues is the capital appreciation from stocks in three years is 2.2% only. This percentage appears worthless as it is multiple to the percentage payable on the investment unit. Also investments made by the family are not generating the notable income such as tenant income from investment unit is running in deficit of USD 134 after meeting expense of interest. Two children are still to gain the higher education, the price of which is constantly on rise due to economic pressures. This problem will be complimented with the fact that both bread earners of family are in their late forties; therefore, the woman will retire in middle term in future while man though has his own business but will reduce the capacity to visit same number of clients as he does today and so will earn less or no. Also fast paced technological changes will ultimately require men to hire workforce which will add cost to the business. Hence, the overall revenue and expense plan is not worth. Considering these factors the future of the family is gloomy and troublesome. It can be safely stated that the future of the family is at financial risk. Steps To Improve the Situation with Respective Rationales The reflection of future developed from the assessment of the case clearly requires that it is high of time for family to assess the contribution from each cost incurred and respective benefit derived from it in current point in time as well as for future. This long term planning r equires family to set the future goals. Goals to be set as suggested must meet following requirements: Each goal set must ensure that it results in meeting the financial benefit in the long terms. Goals must also enable family to align their current financial resources in a manner that are able to generate the productive results. With above two financial directions for setting goals and well as the case information, following goals must be set by the family: Readiness to re-allocation of the financial resources. Meeting and paying-off the debt burden without generating any additional debt. Enable the family to meet the educational expense of the children Enable the family to meet the meet medical requirement for father and Jack and Ann in future Enable the family to meet the fixed expenditure of the family safely once the family bread earners retire. The last goal of the family is to ensure the contribution in the family budget from every earning head. Once the family has determined what financial resource they require in the different points in time, then it shall focus itself in directing the financial resources accordingly. This will require the family to rebuild its budget. Following steps are suggested to the family for the reallocation of the budget: The family must retire the debts it has piled from two cars and a

Revolutions in 20th Century Latin America Essay

Revolutions in 20th Century Latin America - Essay Example Latin America was one of those lands which underwent frequent revolutions. Twentieth century as well as the Caribbean lands are no exceptions. This paper is intended to identify the various reasons for the revolutions in the Latin America. Due to the space constraints two revolutions are taken into account; the Cuban revolution in 1959 and 'tenants revolution' in Brazil in 1930. Any revolution is not a one night process. A whole domain of social, cultural, geographical, internal and external political and/or economical factors plays their role to evolve a revolution. Thus, before analyzing the causes of revolution, it is empirical to have a glance into the social, cultural, geographical, political and/or economical setup of the land in particular and the region in general. When we will analyze them all and try to map them on the chronology of the revolution, this way the causes would be highlighted themselves. United States of America had helped Cuba achieve independence in 1898 from the Spanish domination, thus it was quite obvious that US had an influence over the Cuban Affairs, local as well international, since the day one. The control of the United States of America on the Cuban Economy is evident from the facts that United States had control over almost half of the land of Cuba, three fifth of the railway system, almost ninety percent of electricity production and the telephone system. Furthermore, Cuba was the main supplier of various raw materials to the United States. So we can infer that though Independent, the control of USA was yet not lesser than that of British Imperials in their colonies. Furthermore, the domination did not result in the increase in the efficiency of the overall performance of the country, so there was a general opinion in the people of Cuba, that the United State is exploiting the Cuban people for their (US) interest through the dummy leaders like Batista. (Thomas) Cuban Economy before Revolution: At first look, it appears that Cuban economy was prosperous at that time. Cuba's mortality rate of 7 per thousand was the lowest in Latin America. Its infant mortality rate was by far the lowest. Cuba's mortality rate of 7 per thousand was the lowest in Latin America. Its infant mortality rate was by far the lowest. Cuba had one automobile for every 39 inhabitants, compared with Argentina's one for every 60 and Mexico's one for every 91 people. The wage rate for industrial workers in Cuba was the highest in Latin America (as of 1957) and 9th highest in the world. However, the other side of picture so dark that this appearing brightness of Cuban Economy fade away, when someone browse through these factors. The economy was too dependent on Sugar. Wealth was unevenly distributed. Unemployment was 8% in five months of sugar harvest, but for the rest of the year, it used to be around 30%. As stated above, the economic prosperity had no trickle down effect; the only beneficiaries of the si tuation were the US companies in Cuba and their Cuban associates who were working for their interests. Thus there were high social tensions among the common man of Cuba. (Seers) Political Setup in Cuba: There was no reliable democratic

How to Become an Interior Decorator Essay Example for Free

How to Become an Interior Decorator Essay Analyzing interior designing websites provide excellent information to aspiring interior designers and decorators. Interior designing and interior decorating appears to be an easy, fun career. How hard can it be to transform rooms into a fantasy comparable to DisneyLand? Researching sites allows the student to make necessary accommodations to achieve their objective. Atotalwaste. com/interiordecorator is a site providing easy to understand and clear distinctions between a designer and decorator. The site very clearly lists the job duties and education requirements of a designer and decorator. It states the list of organizations associated with interior designing. The difference of what a designer does and a decorator does are listed. The site explains why the requirements for interior designers are more thorough. Interior designers are responsible for a lot more than just the physical appearance of a room or home they are decorating. They are also responsible for the safety and welfare of the public. The contribution of the designers is clearly outlined. Everyone on the outside looking in, envisions designers making buildings, rooms, and houses look very pretty. The article lists duties that no one realizes. Designers work on public buildings, such as airport terminals. Interior designers are hardly imagined as someone responsible for airport security. The site gives an overall positive image of interior designers. The designers are spoken in higher regard than decorators. â€Å"Anyone can be an interior decorator† does not show a flattering or respected image of decorators. It compares designers and decorators like nurses and nurse’s aids. Designers depend on decorator’s assistance. â€Å"I do not want to have to spend years of studying, worrying about things like building codes, and write an examination to be certified. Can I just start decorating people’s houses without going through all that. † People attracted to this profession are not likely to have such an attitude. Toward decorators, a hard language is used. Decorators are shown as more of a working class profession instead of professionals. Many designers start off as interior decorators, but have goals to become designers. Respected, upper class people are drawn to this profession, both designing and decorating. There are some people who just want professional advice to decorate their houses or friends houses, but they are not drawn to the profession. In that situation, they would attend a lecture or meeting given by a professional designer or decorator. The site speaks much softer and flattering of designers. Health, codes and safety, except for a brief overview of designer’s responsibilities, are not mentioned. It does mention that professional standards are set by the American Society of Interior Designers or the Interior Designers of Canada. Certification and testing through National Council for Interior Design Qualification are mentioned. The specifics are not. Exact privileges once designers fulfill requirements are not listed in the site. Designers are responsible for health, codes and safety, but no actual details are listed. Overall this site does speak well of interior designers. Interior designers work for and earn the prestige and respect they receive. Unknown important responsibilities of designers are mentioned. It shows surprising facts that designers have a very important role to play. Interior designers are not just there to make a beautiful fantasy happen. It looks that way. Atotalwaste. com provides somewhat uncommon information on interior designing profession.

Sociology: The Study of Culture Essay -- Sociology Essays

Many times I have attempted to comprehend the actions of other people. I always wanted to know why people of different genders, descents, and colors had certain cultural, societal, and religious beliefs. It became apparent to me that all persons are a direct reflection of their environment. In other words, all persons unconsciously, and sometimes consciously, reflect and imitate their environment and the things that they see. Every culture has their own individual stereotypes and belief systems. The reason for this is that people place arbitrary meanings on life's occurrences based upon those of the individuals which preceded them. Thought patterns of an individual are all dependent upon the teachings of others. We perceive and understand the physical and social world based on the meanings we attach to people, things, and actions. To put it simply our minds are all guided by the force of "other minds" that are "more developed" than our own. This is all a part of Sociological study. These studies look at the predominant attitudes, behavior, and types of relationships within a society. A society is a group of people who have a similar cultural background and live in a specific geographical area. but before we get into this however Lets take a step back and look at the field in which these studies derive from. Sociology is a social science that studies individuals, groups, and institutions that make up human society. It is an observation of how people relate to one another and to their environments. They also study the formation of groups; the causes of various forms of social behavior; and the role of churches, schools, and other institutions within a society. Social behavior is studied extensively in the field of s... ...rom all secular practices. This includes watching television, listening to radio or partaking in any activities which is not in reverence of their religion. To a Christian however this practice would seem absurd. Their reality does not carry the same beliefs. Although these are just a few examples it gives you an idea of how a persons geographical location and cultural background can shape their individuals belief. Many of which are not practiced by other cultures. If you wanted to better understand a persons ways or why it is that people of different ethnic backgrounds have different beliefs and practices. It would be best to start with trying to understand that persons culture and their socialization process. Once you begin to grasp an understanding and they way they have grew up then it will be easier to understand why they do things in a certain way.

Asturias Essay Essay

The concept of Celebrity and Fame are ones that affect relationships both positively and negatively. Fame refers to the state of being known by many people, and Celebrity is the noun for a famous person. The experiences and perspectives of celebrities who have gone through the process of Fame have all had their relationships affected by their status both positively and negatively – whether it is a celebrity’s relationship with corporations, the concept of Fame or their peers and rivals. This statement is supported by Brian Caswell’s novel _Asturias,_ Jay Z and Justin Timberlake’s song _Holy Grail,_ and Donna Rockwell’s article _’Fame is a Dangerous Drug: a phenomenal glimpse of celebrity†_ all showcase these arguments with textual evidence. In brief, textual evidence have been provided to establish the implications Fame present on a celebrity’s relationships. Corporate relationships with a celebrity are professional, but the effects of Fame on these relationships may force the bond to become personal. An example of a positive relationship between celebrities and a corporate figure is demonstrated through Asturias’ relationship with their manager, Max. This is exemplified through the use of comparison in Chapter 22, â€Å"These are people †¦ Kids. They’re not some ‘bottom line’ on a sales-report†. It outlines Max’s personal concern for the band – he overlooks the professional implications on the band’s/his career, worrying more about their well-being. On the contrary, the relationship between Asturias and Symonds, a distant but more powerful figure, is an example of a negative relationship between celebrities and corporate figures. For example, the use of objectification is expressed by Symonds in the same chapter, â€Å"They’re a product, for Christ’s sake! We made them, we can remake them.† This use of objectification takes away the Asturias’ human dignity and conveys Symonds’ negligence on the band’s well-being and emotional state, selfishly focusing on generating quick profit and securing his income and position on the ladder. In summary, the relationship between celebrities and corporations is a relationship that can either be based on nurturing and guiding said celebrity, or harshly exploiting/overworking them for high profits. Another factor that affects a relationship which is influenced by Fame is the  nature of Fame itself, and its connection with the celebrity. Fame has an influential nature that commonly consumes the celebrity ‘s identity; it requires attention at all times and occupies the subjects’ lifestyle, privacy and well-being – the thirst for fame can result in the subject being obsessive and wanting more, after having experienced the perks and benefits of becoming a celebrity. An example of how the implications of fame affect a person negatively is demonstrated through the use of rhetorical question, â€Å"Was he scared? Did he call out to me?† This use of rhetorical question was triggered by the event of Alex leaving Abuelito behind due to his priorities to the band, missing Abuelito’s peaceful demise – he was so caught up with his celebrity priorities that he didn’t even know how Abuelito passed away. In comparison, a positive opinion on this notion is stated through the use of motif, â€Å"The ride was every bit as exciting as they’d promised.† â€Å"The ride† is a motif found throughout the book, and refers to celebrity-hood – this statement expresses that despite the sacrifices in relationships, living famously is as exciting as it is perceived to be. This opinion can drive celebrities (or even non-celebrities) to work harder and be consistent, getting what they want constantly. The article strengthens this argument that albeit being aware of the negative implications of fame on its subject and their relationships, the subject still disregards these implications in order to keep pursuing the perks of Fame. This is exemplified through the use of figurative language, â€Å"the allure of wealth, †¦ keeps the famous person stuck in the perpetual need to keep their fame machine churning.† Through the use of figurative language, the author expresses the obsession of celebrities with fame, and how they tirelessly work through, neglecting their relationships on the way, their way to staying relevant. Therefore, these texts obviously overlook the negative aspect of fame, and focuses on the positive outcomes it may bring to its subject. Finally, through the use of a bridge, Justin Timberlake sings, â€Å"And you take the blade right out my heart, just so you can watch me bleed / And I still don’t know why, why I love you so much.† referring to his addiction with  being a celebrity – he overlooks the deeply negative impacts of Fame, and blindly craves for more which shows a celebrity’s obsessive relationship with Fame. Competition within the celebrity industry also affects relationships positively. These positive results a relationship gains from competition is exemplified through the use of colloquialism, â€Å"Enough sticks, it was time for carrot.† This use of colloquialism comes from working with donkeys, where sticks were used as force to get the donkey moving, whilst carrots were used as motivators to do the same thing: it’s basically referring to whether you use force or threats on someone to get them to do something or persuade and motivate them into doing something. In this case, it portrays Max’s security in his situation – he is so confident about negotiating with his competitor, Symonds, that he started with threatening him but knowing the man, he offered him a better deal that would get him fired meaning his liability would be taken away. Another example is presented in Holy Grail, where the use of personification is expressed, â€Å"Fuck the fame, keep cheating on me, what I do, I took her back.† This use of personification expresses the struggle with staying relevant as a celebrity as if it were an intimate relationship (when he says that Fame â€Å"cheats on him†, he is referring to whenever other celebrities get more attention than him as if Fame favoured them more). Initially a negative statement, he then goes on to say that he takes Fame back, which can be comprehended to mean that he is driven and motivated to success by his competition which makes it a positive statement as to say that he has gotten over the nature of fame, and learnt an effective way to cope with it. However, as celebrities become more immersed and competitive, they also become more jealous and greedy. This is best exemplified in Asturias through the use of the multiple narrators. The use of multiple narrators allows Tim to reflect, â€Å"Everyone shines in their own way, but one child shines brighter. In our â€Å"family†, that one was Alex. And I got to the stage where I couldn’t forgive him for it†¦Ã¢â‚¬  Through this quote, it is clearly seen that Tim and Alex’s relationship was deteriorating because of Tim’s thirst for  attention and recognition: something only Fame had inflicted on him. Originally being a friendly person, his ego is slowly fed by his fans which made him envious of Alex’s vitality to the band. The article reinforces the negative effects of jealousy and greed through the use of metaphor, â€Å"I’ve been addicted to almost every substance known to man at one point or another, but the most addictive of them all was fame.† The metaphorical comparison between the concept of fame and illegal drugs suggest that fame evokes an unhealthy addiction within its subject – like how drugs detaches its user from their relationships and lifestyle and into addiction, fame does the same. Thus, these textual evidences outline the notion of fame detaching its subjects from their originally close relationships, through jealousy, thirst and greed. In conclusion, Fame is a concept that affects a celebrity’s relationship both positively and negatively – it merely depends on the situation the celebrity is in. The arguments of fame affecting corporate relationships, relationships with the actual concept of fame and relationships with peers and rivals during the pursuit of becoming famous are all provided with both the positive implications of these arguments, and the negative. These arguments are supported by Textual evidence from varying texts such as a novel, an audio text and an article. Overall, the textual evidence provided clearly demonstrate how Fame affects a celebrity’s relationships with their surroundings.

Effects of Caffeine and Nicotine on Lumbriculus Variegatus...

Effects of Caffeine and Nicotine on Lumbriculus variegatus INTRODUCTION An experiment was conducted to study and explore the circulatory system by exposing Lumbriculus variegatus, black worms, to household drugs. Lumbriculus variegatus was chosen as the experimental organism because of their transparent bodies and their simple physiology. Their transparent bodies help the experimenters to easily see their pulse. Another reason for choosing this specific organism is their body structure—large surface area to size ratio. This feature allows the substances, such as the household drugs, to easily enter their body which then can affect their health.(1) The household drugs used in this experiment were decaffeinated coffee, tea, instant†¦show more content†¦The dependent variable is pulsation rates of L. variegatus before and after they were in the treatments. The standardized variable of this experiment would be the temperature of the surroundings of the L. variegatus, the three pulsation rates taken for each worm before and after the treatments, and also the amount of time each worm was kept in their respective treatments. The level of treatment for this experiment would be ten because of the six different concentration treatments of caffeine and nicotine along with the four household drugs. The sampl e size of the experiment differed from some treatments to other. For the three different concentrations of caffeine and nicotine, the sample size was 18 black worms each. The sample size of the control treatment of week 1 was 6 black worms. 12 black worms were used for the control of week 2, decaffeinated coffee and instant coffee. 11 black worms were used for the tea treatment and 15 were used for the tobacco treatment. There were three replications of the pulsation rate readings per worm before and after the treatment. With all this information we were able to get the results we got. According to the results, the columns of caffeine in figure 1, of this experiment the hypothesis for caffeine is partially accepted. There is an increasing trend in the change of pulsation rates with increasingShow MoreRelatedWhat Is Zero Caiso ( Water Enhancer?1044 Words   |  5 Pagesspotted as the outer layer of the worm is transparent, and contraction waves are seen in the main vessel as a heart beat. (Lesiuk and Drewes, 1999b) Pulsation rate is sensitive to pharmacological agents and is significantly accelerated by both caffeine and nicotine. (Bohrer, K.E. 2006) Much like in humans, the pulsation rate is regulated by the nervous and endocrine systems. Blackworms also have a very permeable outer skin layer, making the absorption of chemicals very efficient. Most consumers don’tRead MoreThe Effects Of Caffeine, Caffeine And Nicotine1462 Words   |  6 PagesIntroduction This lab covered the effects of caffeine, nicotine, caffeine extract and nicotine extract on the pulsation rates of Lumbriculus variegatus, commonly known as blackworms. The circulatory system consists of the heart and the blood vessels that circulate blood throughout the organism’s body. Blackworms do not possess a respiratory system or a heart, thus they circulate their blood through contractions of the blood vessels. The pulsation rate was observed along the dorsal blood vessel near

Jason as the Foil of Medea Essay - 1317 Words

Jason as the Foil of Medea In Medea, by Euripides, the two main characters Jason and Media are forced to leave Lolkos and have taken refuge in Corinth. Jason has the possibility of establishing a position of standing in the community by marrying King Creon’s daughter. Medea is enraged by Jason’s betrayal of her and their two children and she vows to stop the marriage and exact revenge. In the play, Medea and Jason are set up as foils. Medea is completely dependent on the dominance of passion over reason. She is depicted as conniving, brilliant and powerful. In contrast, Jason is portrayed as a a character of little feeling; he is passionless, obtuse, witless, and weak. Medea first enters the play and greets†¦show more content†¦Later in the play Jason does the reasonable thing and tries to reconcile the problems with Medea. He is obviously not aware that he has done anything wrong. He feels he has merely done what any man in his plac e would do. Through his marriage to the princess he is now the the heir to the throne of Corinth, which is ultimately something that will benefit Medea and her children. He wants to regain status for his family and give his children to opportunity to have royal lineage. Jason’s plan is to achieve a better life for himself and bring his children out of poverty. All of this would eventually benefit Medea, and he does not understand why Medea can not see things his way. QUOTE His contention is that his plan would have worked out perfectly if Medea had only acted sensibly. He blames her for crying out for justice and for making threats against the royal family. If she had not threatened Creon and his daughter, Medea would not be facing exile. Because of Medea’s threats, Creon’s animosity spreads to the children and he insists that they all be sent away. Through their entire conversation Jason does not permit himself to be controlled by passion. He keeps his head clear and simply lays down the facts. It is not like him to let his feeling free play like Medea does. He is there to offer her money and a tell her about her place of exile. He explains that it will be painful to see his children go, but MedeaShow MoreRelated Alternate Endings in Anouilhs Medea Essay791 Words   |  4 PagesAlternate Endings in Anouilhs Medea      Ã‚  Ã‚   To what purpose does Jean Anouilh alter the central conflicts and characters in his retelling of Medea? In the classic play, Medea escapes without punishment and we are told as an audience it is not our place to question the motives and/or actions of the gods. Within the framework of modern, psychologically rendered characters and in the absence of supernatural meddling, Anouilh attempts not only to question the motives but to posit answers to theRead MoreIsmene And Antigone Essay1331 Words   |  6 Pageswomen are supposed to act in this society, Antigone acts directly against these standards. In Medea, the foil characters are Glauce and Medea. Glauce is Jason’s new wife and daughter of King Creon, making her a princess. She is obedient and used by Jason as an object of sexual desire without protest. In fact, she has no lines in the play, symbolic of her subservient and silent nature. On the other hand, Medea is loud and antagonistic. She clearly states her hatr ed for the role women are forced into