Credit card Essay

1.0 Background of credit cards The general-purpose credit card was born in 1966 by the Bank of America. Today, Master card and Visa are the well-known international credit card companies in Europe and their cards are accepted in more than 24 million outlets worldwide. Credit cards work to make attractive revenues to credit card companies, banks and retail sales. Nowadays, credit cards have such high interest that they are no longer attractive to purchases the unnecessary items. Credit cards are primarily seems to be used on important events to avoid indebtedness. The used of credit cards started up with individual firms, like oil companies as well as hotel chains, began to issue them to their customers. At first, these cards were just involves between the merchants who offer these cards to their customers and it had been proved to be a major way of ensuring customer loyalty. Later on, the companies began to accept each other’s cards to expand the uses of credit cards. The first bank issued credit card was the Charge-it, which came up in 1946. The card was introduced by John Biggins and was issued by the Flatbush National Bank of Brooklyn in New York. In this, the merchants could deposit the sales slips into the bank and it would in turn get it from the customers. Then, in 1950s, the Diners Club credit card was issued. The card was invented by Frank McNamara, who was the founder of Diner’s Club. MasterCard was then been introduced in 1959, these cardholders no longer had to make the full payment on or before the due date, it gave customers greater flexibility in managing their money. In Australia, the first credit card was issued in 1974. It is known as a Bankcard, was a shared brand credit card and was issued by the Australia financial institutions, and functioned only in limited locations such as Australia, New Zealand, and the Cook Islands. The card soon caught the fancy of the entire region and dominated the credit card market in Australia, during the late 1980’s. A report shows that Bankcards were applied by around 2.3million users in Australia and accepted by 350,000 establishments in 2004. Besides that, the earlier cards were made from metal coins, plates, as well as celluloid, fiber and paper. These days however they are mostly made of plastic.  The usefulness of credit cards and charge cards is actually similar but the only different is the credit balances due date and the amount have to be pay. A charge card is actually a type of credit card that require you to pay your total balance in full at the end of each billing cycle instead of making payment on the lowest limit of the total balances. The cardholders won’t pay any interest on a charge card balance because they are not allowed to carry a balance beyond the due date. However, they’ll face a late fee if their full balance didn’t paid by the due date, the late fee could be a flat fee or a percentage of their balance. A charge card is typically issued by one company these days, America Express such as Amex’ Zync, Green, Gold, and Platinum cards. A credit card, on the other hand, allows you to have a revolving balance that you can pay off over a period of time. Credit cards also have a late fee that’s charged when the cardholders didn’t make their minimum payment by the due date. So nowadays, people are preferred to use credit cards more than charge cards because of the due date and the amount that must pay on due date. However, credit cards may cause more terrible debts than the charge cards. 2.0 Related information 2.1 Types of credit cards There’s two types of credit cards which are variable payment cards (VPC) and fixed repayment card. The VPC is a credit card which allows users to make purchases of variable sizes but limited to the credit limit imposed by the company. The fixed repayment cards allow users access to one month’s credit but with settlement of a minimum payment, say, 15% of the balance. 2.2 Advantages of credit cards and charge cards 2.2.1 Provide a means of obtaining credit The financial institutions which provides credit cards and charge cards products is actually issue credit or loan to the cardholders because when the customers spend money by using credit cards or charge cards, they can enjoy the goods and services first before they really have to pay for it,  which means that they can buy the goods and services by credit but not cash. Although credit means that owe to the financial institution but as long as customers able to pay before the due date, it is a very convenience way to shopping with the credit cards and charge cards. 2.2.2 Interest free credit is given from a week to 4 weeks Financial institutions actually didn’t charge interest on credit to the credit card holders and charge card holders during the first 4 weeks after they spend on it, so customers may spend as much as they want within their credit card or charge card’s limit without making any burden to themselves. But the most important is they have to remember to pay the credit within the first 4 weeks, or else interest on credit will be charge by the financial institution. 2.2.3 Easier to use as payment than cheques Credit cards and charge cards are easier to use as payment than cheques because they are just a small and flat plastic cards which can easily keep in wallet compared to the cheques that need to bring along the cheque book to make payment. Cheque book is very inconvenience to bring along especially without bringing a bag, it have to be hold on hand and it can be dirty, folded and wet easily, once its messy, most probably it will be return by the financial institution after make payment by cheques. Credit cards and charge cards can be dirty too but it can be wiped by tissue or cloth easily and even if its wet also not a problem to continue use it to make payment. 2.2.4 Cardholders can also withdraw cash over the counter or from an ATM Credit cards and charge cards not only can be function on the credit card machine such as MBF machine, it also can be use to withdraw cash over the counter in the financial institution or from an ATM. Although the financial institution will charge the cardholders on withdraw cash by using the credit cards or charge cards, but when the cardholders need cash for emergency case especially during midnight, it can be easily withdraw cash from an ATM. 2.2.5 Global acceptance Cardholders can enjoy goods and services by using credit cards and charge  cards in any countries because it is acceptable in global. It will be very convenience especially during travel or a business trip, cardholders don’t have to look for foreign currency exchange, all they need is just a credit card or charge card will do. Even when they really need cash at overseas, they can withdraw cash through an ATM or over the counter, so they don’t have to scare any robbery when they take out their cash in an unfamiliar countries. 2.2.6 Easy bill payments and earn reward points Cardholders are able to make their bill payments through online banking savings account, by cash or cheque at the financial institution branches, standing instruction and Cash Deposit Machines ( CDM ) or Cheque Deposit Machines ( QDM ) easily. They just have to pay it monthly and when they spent money using the credit cards and charge cards, they will earn reward points which can be used to redeem gifts from the financial institution. So some people might think that if they spent money by cash or cheque, they get nothing extra like the reward points but if they spent money by using credit cards or charge cards they might get extra gifts, it will be more worth than spending by cash or cheque. 2.2.7 Discount on other cooperate stores Some stores will cooperate with the financial institutions, so they will give discount to the specific financial institution’s cardholders when they spend on their stores by using their credit cards or charge cards, this will encourage the cardholders to spend more on their stores to get more discount. For example, Hong Leong Bank provides GSC-Hong Leong Credit Card, the ultimate movie card. The cardholders can enjoy 50% discounts up to RM100, subsequently up to 10% discounts on movie tickets purchase at all of the GSC outlets. 2.2.8 Provide 0% interest installment plan Some of the financial institution will provide 0% interest installment plan which the cardholders can purchase from those specific stores. For example, HSBC bank provide 0% interest installment plan for their credit card holders to purchase goods and services from a lot of shops such as Canon, Gintell, SASA Cosmetic and so on. That means the cardholders who don’t have enough budget also can enjoy the goods and services through the interest free installment plan without any guarantor needed. 2.3 Requirements to apply  credit cards and charge cards There are several requirements to apply credit cards and charge cards which are minimum age, minimum annual income and latest salary slips or relevant documents. At least 18 years old and above for the supplementary and between 21 to 65 years old for principal to apply credit cards and charge cards, this is required by every financial institutions in Malaysia. For the minimum annual income, it depends on financial institutions, they have different requirements on different types of cards. For example, CIMB required RM 24,000 per annum to apply the classic card, RM 30,000 per annum to apply the gold card and RM 60,000 per annum to apply the platinum card. For the charge cards, Maybank provides three types of charge cards only. The American Express Personal Card required RM 30,000 per annum, American Express Gold Card required RM 48,000 and The Platinum Card required RM 190,000 per annum to apply it. 3.0 Current issues of product 3.1 Addicted in using credit cards and charge cards will lead to debt disaster Most of the cardholders will become addicted in spending by using credit cards and charge cards because of at the moment they use the cards they actually don’t have to pay for what they purchases, at least they get to enjoy first before they really need to pay for it. Besides that, purchases with cards and cash have the different feeling, purchases with cash will be not willing to pay for it due to consumers have a clear picture that their cash is really flowing out from their pocket while purchases with cards won’t really feel about that because when you’re not looking at your money flowing out, you won’t feel that it’s actually already been spent by credit. So, this kind of bad habit will make cardholders overspend without realize especially to the shopaholics, therefore it will lead to financial difficulties. There’s still a lot of Malaysian suffering from the credit cards’ debts, some of them just able to pay the lowest limit of th eir debts every month due to the high interest rate charged, it is quite similar to loan sharks as they just able to pay back the interest of credits every month and became a burden which they unable to bear. 3.2 High interest rate of credits Most of the financial institutions in Malaysia offered tiered interest as per Bank Negara Malaysia credit card interest rate structure. The tiered interest rate structure rewards those cardholders who willing to pay their credit card bills in time. For those who pay credit card bills in time for every month in a year will only be charged 13.5% per annum for the interest rate, those who pay credit card bills in time for at least 10 months in a year will be charged higher interest rate than pay in every month which are 16% per annum, while those who pay credit card bills in time for less than 9 months in a year will be punished on the interest rate charged with 17.5% per annum which are the highest interest rate charged in Malaysia. So, for those who pay every month consecutively for a year will get to enjoy a lower interest rate on the 13th month compared to those who didn’t pay the bills every month consecutively for a year. However, some financial institutions offer a lower interest rate. For example, Affin Bank credit card offer 9.99% per annum on the interest rate of credit card bills and AMEX gold credit card is only 9% per annum. So, cardholders will have to choose wisely before they apply the credit cards. Normally financial institutions only require cardholders to pay the lowest limit every month which is 5% or RM50 depends on whichever higher of the total outstanding balance of their credit card bills. But they will have to take a long time to clear all the outstanding balance without any new spending if they only make lowest limit payment. Apart from the high interest rate, cardholders are also subjected to finance charges which will be imposed from the day the transaction is posted to the card account if they just make partial payment or less than that on or before the payment due date. Cardholders will have to make full payments every month consecutively to avoid the finance charges and also get to enjoy the interest free credit for retail transactions for 20 days on retail transactions but it’s not including the cash advance, balance transfer and installment payment plan programs. Even the cardholders didn’t make payment on or before the due date, they also subjected to late payment charges minimum of RM5 or 1% of total outstanding balance, whichever is higher, and  it will be up to RM50. 3.3 Declared bankrupt due to credit card debts There are 41 of the Malaysian declared bankrupt every day on average and most of the reason is because of the credit card debts. The Federation of Malaysian Consumers Associations ( FOMCA ) had discovered that most of those who declared bankrupt due to credit card debts were below 40 years old because of their poor financial management, they didn’t think wisely on what they’ve spent and don’t care about the consequences they need to face for the rest of their life. It is very tough to face financial difficulties too early in life and they are actually not mature enough to manage on their financial. For those cardholders who always overspend and unable to make full payment on the credit card bills, the outstanding balances will still remaining and it will become more and more expensive due to the high interest rate charged by the issuers. Usually most of the credit card debts are from the moderate income group because the financial institution only issue credit cards to those who earn at least RM 24,000 per annum, so if they didn’t settle the full payment every month, they will have to suffer from the high interest rate charged and unable to settle the credit card bills easily especially for those who owned more than one credit cards unless they stop spending by using the credit cards and they will need around 2 years to settle the outstanding balances. 3.4 Insecure in using credit cards and charge cards Nowadays there are many cases on the fraud of credit cards due to the technological advances such as exists of hackers, insecure websites during payment and so on. Some of the consumers rather use cash instead of credit cards if they lack of information on credit cards protection. The fraudsters are always creative on thinking a new way to steal the information of the cardholders. The credit card phone activation scam is to cheat the owner of the cardholders’ in order to ask them call a number to activate their new credit cards from their own home number, after the card is activated, the card can be used fraudulently. Just a phone call and the legitimate credit card owner will become a pitiful victim that have to pay the amount from spending that doesn’t recognize which may lead the victim to bankrupt. Some of the credit card scammers might steal or trick the cardholders to tell them the security code and then make purchases over the internet or the telephone. Once they know the credit card’s PIN, they could get cash advances from any of the ATM using a duplicated credit card where the legitimate cardholders’ details have been copied into the magnetic strip of another card. The most popular credit card fraud is use credit card numbers to online purchases in unknown websites which we not sure whether it is a secure website or not. Most of the cardholders didn’t check the safety of making payment with their credit card numbers during online purchases, it is a very dangerous case that will loss a large amount for the careless consequences. In addition, fraudsters also targeting the cardholders through email links and attachments. Once they click on the links or open the attachments they reveal themselves to computer viruses that can detect their keystrokes when they log on to their accounts. 3.5 Teenagers struggle to get control of credit card debt Recent laws designed to prevent young adults from running into credit card debt, it seems teenagers haven’t been doing enough on their own to find debt relief. Parents who want their teenagers to learn to use credit responsibly and effectively often try to train them by giving them a credit card of their own, co-signed by one of the parent and for only a low credit limit. Most teenagers still, however, struggle with some aspects of credit card management, including paying them on time. Few of the teenagers know how to properly manage their accounts, but most of them failed to do so. According to a study entitled Financial Literacy and Credit Cards: A Multi Campus Survey, published in the International Journal of Business and Social Science, about 36 percent of teenagers have two or more credit cards in their name. The report said, just 9.4 percent of those polled said they pay their balances off in full at the end of every month and very few actually knew the cost of their acc ount. Only 14.6 percent of them knew the interest rate on their card, while 24.3 percent and 29.2 percent claimed knowledge of their late payment and over-balance penalty fees, respectively. Altogether,  only about 10 percent said they knew all three. They pay little attention to interest rates, terms, and card features. The card they choose may set them up for failure right from the start. In addition, many young people are not adequately educated about credit cards and debt. They may know that you have to pay the money back, but they may not be prepared to understand the effect of high interest rates, minimum payments and the devastating effect that late payments can cause. And when most young people have relatively low-paying or part-time jobs, it can become difficult to keep up with credit card payments. There are some reasons teenagers struggle with credit cards. The first reason is teenagers don’t make enough money. Teenagers often have a very narrow scope of the world and of financial matters in particular. For example, they often simply don’t see that they won’t be able to pay off the expensive new sound system for their car on their Rm150 a week part time job. They also get sucked in by the minimum payment offer and don’t really consider how much interest they will be paying in the longer term. Besides that, teenagers believe that their parents will rescue them. Teenagers may not admit it, but they need their parents to get them out of trouble. Often, these young adults will spend their credit card limit foolishly because they believe that if they really can’t pay it their parents will step in and rescue them, as most parents lend a helping hand when their child is in trouble. Also, they may believe that their parents will fix their damaged credit history if they end up with a poor credit score later. 4.0 Recommendations / Suggestions / Opinions 4.1 The ways of using credit cards and charge cards intelligently 4.1.1 Choose wisely When selecting a credit card, be aware of all of the interest rate and repayment options. Compare different cards based on your needs and your ability to pay all purchases in full. There are several things that need to be consider wisely which are a low annual percentage rate (APR), which will reduce the interest you have to repay, the interest calculation method which can change how much interest you pay, low or no annual fees, which issuers might charge, all other charges such as late payment fees, transaction fees, over the limit fees and others which can add to the total cost of your charges, credit limits for cardholders should be low, and the services and  features such as cash rebates, frequent flyer miles, extended warranties, convenience checks. 4.1.2 Don’t spend more than you can afford to pay on a monthly basis You can make wise decisions about purchasing items you need versus those you simply want. We’ve all used the word â€Å"need† to describe something we really just wanted badly. Using your credit card responsibly and recognize which things you really need and which you just want. Responsible use of your credit cards will help you establish a solid credit rating and avoid financial problems. 4.1.3 Keep track of your spending It is important to monitor more often than once per month when you receive your statement of credit cards. You should check your account online frequently, save receipts and keep accurate records, consider signing up for balance notices and billing statement notifications from your credit card provider. 4.1.4 Keep an accurate record of the following in case your card is lost or stolen Keep the important informations in a secure and safe place at home such as account number, issuer’s name, phone number, and photo copy of the front and back of the card. 4.1.5 Don’t apply for credit that you don’t need Although your first few credit card accounts build and improve your credit score, there’s a point when acquiring more will reduce your score. Where that point is, no one knows, but generally, two or three cards are all you need. You should say â€Å"no, thanks† when the cashier offers 10% off your purchase in exchange for filling out the store’s credit application. In my opinion, store credit cards aren’t necessary and the interest rates are horrendous, unless there’s some overriding benefit that will offset the ding in your credit- like getting Rm500 off a Rm2000 refrigerator. 4.2 The ways to reduce credit card debts 4.2.1 Hide your credit cards The first step is to hide your credit cards in a place where you could access them in an absolute emergency, but that they’d be very difficult to find. For example, put them in a little box way in the back up in the attic, freeze them in a big chunk of ice, or hide them in the back of the cupboard at your mother’s house. Make sure it’s somewhere where you can’t easily  access them. Then, go to every online account where you use a credit card regularly and delete your credit card numbers there. For example, Amazon, PayPal, and World of War craft. Make sure that you’re not forgetting anything. If you absolutely must retain a service, use a debit card number instead of a credit card number. Why should you do this? Your credit card balances need to go down, but not up and the biggest step in doing that is to break yourself of the habit of using them without a connection to the real money you’re spending. That means going back to using cash, che cks, and debit cards. If you don’t actually have the money, you’re not spending it. 4.2.2 Write a budget plan To start reducing your credit card you need to work out where you’ve been going wrong and ensure you do not continue to mount up further debt. You can start by writing down a list of all your monthly incomings such as wages, dividends from shares or interest from savings and so on. Following this, write a list of all your regular outgoings such as mortgage or rent payments, personal loans, council rates, utility, phone and internet bills, fuel and vehicle maintenance, insurance, health and groceries. Besides that, don’t forget to you include other aspects of your life such as entertainment, eating out and clothes shopping. Once you have these figures you can calculate your monthly cash flow by adding up your total incomings and subtracting your total outgoings. Hopefully your incomings will exceed your outgoings leaving you with positive monthly cash flow. However, if you find your outgoings exceed your incomings you have negative cash flow and are pushing yourself furt her into debt each month. Next, search through your expenses for areas where you could cut back. Maybe you are eating out too often or treating yourself to more new clothes or shoes than you really need. You need some nice treats to look forward to but make a budget for non-essentials and entertainment and stick to it. You can then use the spare cash flow each month towards paying off your debts. 4.2.3 Figure out what you owe and what the interest rates are The next step is to dig out the most recent statements for all of your credit card bills and determine exactly how much you owe and what the interest rates on each of the bills is. This information should be easily found on your most recent statement, but if you’re having difficulty finding the information, call up your credit card  provider and get that information. You should be making a list of all of these: credit card name/type, current balance, and interest rate. This helps when you develop a plan, you can use this master list to figure out which credit card to pay first. 4.2.4 For teenagers’ problem, it’s still up to the parent If parents want their children to have good spending habits and resist the temptation that can come with having a credit card, it’s up to parents to educate them. Teenagers need to know the benefits of having a card and the devastating consequences that can come from misuse. As parents, they need to sit down with their sons or daughters before they head off on their own. Discuss the reasons why it’s important to have a credit card and credit history. Also, parents should help teenagers find a good credit card so they don’t end up signing up for the first one they come across. Once teenagers obtain a card, make a purchase and walk them through the process of making the monthly payment. Either by check or electronically so they know what to expect and are familiar with the process. Finally, go over the ground rules. Parents should explain exactly what the credit card should be used for and who is responsible for the payments. If parents take the time to educate tee nagers at a young age so they can establish credit in a responsible manner, they will be in a position to hit the ground running with a solid credit history and have established sound financial habits going forward. 4.3 The ways to solve unsecured credit cards Credit and charge card fraud costs cardholders and issuers hundreds of millions of dollars each year. While theft is the most obvious form of fraud, it can occur in other ways. For example, someone may use your card number without your knowledge. It’s not always possible to prevent credit or charge card fraud from happening. But there are a few steps you can take to make it more difficult for a crook to capture your card or card numbers and minimize the possibility. The best way to deal with credit card fraud is to avoid the crime altogether. Internet commerce is one of the most common places where credit card fraud occurs. Do research on the site and only give out your credit card if the transaction is secure and the vendor is reputable. To verify a site is secure, before using, check out the â€Å"security  or encryption† software used to see if is reliable. If you are unsure of a vendor, look for a physical address and be wary of temporary addresses, such as PO box es. Cardholder has to be cautious when responding to special, unsolicited email offers and to avoid overseas vendors. Besides that, by keeping a list of all your credit cards and account information will help you to avoid uncertain problems. If you notice anything suspicious, refer to your handy list, and call the authorities immediately. To prevent credit card and charge card fraud, don’t lend your card to anyone or leave it lying around. When you sign a receipt, draw a line through any blank spaces above the total. Write your account number on a postcard or the outside of an envelope. Give out your account number over the phone unless you’re making the call to a company you know is reputable. If you have questions about a company, check it out with your local consumer protection office or Better Business Bureau. 5.0 Conclusion As a conclusion, we can know more related information about credit cards and charge cards. By using credit card can make consumers more convenient yet troublesome. All are stated in advantages and disadvantages of credit cards and charge card’s part. Besides that , we have found out some current issue about credit card and charge card such as article about high interest rate of credit card, debt disaster and bankruptcy all these related articles. To solve these current issues and problems of credit card and charge card, we have recommended some ways such as how to use credit card intelligently, ways to solve unsecure credit card and ways to reduce credit card debts. Therefore, we should use credit card wisely to prevent the misuse and overuse of credit card. 6.0 References Internet The New York Times Company. ( 2012 ). The Difference Between Charge Card and Credit Card. Retrieved from http://credit.about.com/od/creditcardbasics/a/Charge-Card-vs-Credit-Card.htm. Maybank. ( 2011 ). Identity Theft. Retrieved from http://www.maybank2u.com.my/mbb_info/m2u/public/personalDetail04.do?channelId=CRD-Cards&cntTypeId=0&cntKey=CRD08.12&programId=CRD08-Utilities&chCatId=/mbb/Personal/CRD-Cards. Maybank. ( 2011 ). American Express Personal Card. Retrieved from http://www.maybank2u.com.my/mbb_info/m2u/public/personalDetail04.do?channelId=CRD-Cards&cntTypeId=0&cntKey=CRD02.01&programId=CRD02-ChargeCards&chCatId=/mbb/Personal/CRD-Cards. CIMB Group. ( 2012 ). CIMB Bank Credit Card. Retrieved from http://www.cimbbank.com.my/index.php?ch=cb_per_ca&pg=cb_per_ca_prod&ac=2&tpt=cimb_bank#. HSBC Bank Malaysia Berhad. ( 2012 ). 0% Interest Installment Plan. Retrieved from http://www.hsbc.com.my/1/2/personal-banking/credit-cards/smart-privileges/0-installment-plan/household-and-furniture. Hong Leong Bank Berhad. GSC-Hong Leong Gold & Platinum Credit Card. Retrieved from http://www.hlb.com.my/pfs/cc/ccgsc_fb.jsp?flag=ccgsc. Golden Screen Cinemas. ( 2012 ). GSC-Hong Leong Credit Card – The Ultimate Movie Card. Retrieved from http://www.gsc.com.my/gsceonbankcard/Default.aspx. Lawyerment.com. ( 2012 ). Shocking reasons why Malaysians are living beyond their means. Retrieved September 22, 2011 from http://www.lawyerment.com.my/boards/article-Malaysia_Business_Consumer_Bankruptcy_Law-1650.htm?Page=20. 1-million-dollar-blog.com. ( 2012 ). Credit Card Interest Rate, Charges & Debt Calculator. Retrieved January 18, 2011 from http://1-million-dollar-blog.com/credit-card-interest-rate-charges-debt-calculator/. The New York Times Company. ( 2012 ). Credit Card Fraud – Credit Card Phone Activation Scam. Retrieved from http://banking.about.com/od/securityandsafety/a/creditcardfraud.htm. Free Malaysia Today – Free and Independent. ( 2012 ). Nearly 50% of credit card holders gone bankrupt under 30. Retrieved from http://archive.freemalaysiatoday.com/fmt-english/news/general/3216-nearly-50-of-credit-card-holders-gone-bankrupt-under-30. Debtmerica, LLC. ( 2012 ). College kids struggle to ge t control of credit card debt. Retrieved from http://debtmerica.com/industry-news/11-credit-cards/1171-college-kids-struggle-to-get-control-of-credit-card-debt. Debtmerica, LLC ( 2012 ). Consumers doing a better job making payments on time. Retrieved from http://debtmerica.com/industry-news/11-credit-cards/1168-consumers-doing-a-be

Qualities of a good leader Essay

Whenever and wherever human beings are gathered together in large numbers, they need leadership. Even children need their school prefects and schools captains ! Armies need Generals. Civilians need governments, captains of industry and intellectual leaders of thought as well. Men whether of the East or the West, require to be led and each group ‘throws up’ its own leaders in each succeeding generation. Whether in the school-room, or on the battlefield or in governmental deliberations, people who are natural leaders and who are chosen to lead, always have the same qualities of character and of outlook. In the first place, it is the personal qualities that count for most, in other words, the personality. A leader, in any location, must be someone who can be looked up to and respected. His personal judgment must be trusted and he must be able to evoke love and warmth from those he leads. So the, the first quality of a leader is that he must have the ability to win over men’s hearts. Secondly, he must have intellectual control over his followers and a mind that is capable of assimilating what is true and what is right and then of exerting this over others. It is useless, no matter what personal qualities or what intellectual prowess a man may have, if he lacks the initiative and the will to lead and to rally men around him. He must also, in his search for truth, have great powers of concentration. Again, a leader must possess this mysterious thing we call â€Å"character† or strength of will, clarity of mind, tenacity and determination. In other words â€Å"character† is knowing what you want to do and being ruthlessly determined to do it. Men and women will not follow a gloomy person! Therefore a kind sense of humor and a sense of optimism are two other essential qualities of a good leader. He must also, not only be a good judge of thins and of events, but of people too, so that he can select good subordinates. He must also show and practice such virtues as self-control, temperance and moderation, so that not only his body, but also his mind are always at their best, healthy  and sharpened like finely tempered steel. There is, too the good leader and the bad leader, of which Hitler, is a striking example of bad leader because it is possible to have all the qualities of leadership without the most important one of all. This is a moral sense of right and wrong and the right kind of â€Å"love† which is emphasized in many of the world’s great religions. This is true not only of international figures like Adolf Hitler, but also in smaller figures. The â€Å"gangs† of youths, typical of both East and West, whose members are led to violence and lawlessness are invariably led and inspired by leaders without a moral sense of right and wrong. The final test of a good leader is, of course, the question: â€Å"Do men follow him?† The answer will be â€Å"Yes† if, combined with strength of character, the ability to evoke love, a clear brain and a fair minded outlook, he also has a knowledge and respect for truth, honesty and fair play. Such a man surely possesses the spark of leadership and men will look up to him and follow him.

Ethics Essay ­ “Miss Evers’ Boys” Essay

One unethical issue that I saw in the film was that the patients that were being used for the experiment were misinformed about their medical status. This is unethical because the patients were being lied to about something that ultimately affected their health and lives. A second unethical issue that I saw in the movie was that the medical service was not provided so as best to promote the participant’s interest. The service was provide to conduct an experiment to study the progression of Syphilis in African American men. The only reason patients consented to the experiment was because they thought that they had â€Å"bad blood† and were waiting for treatment. Thirdly, another unethical issue that I saw in the movie was that the information about the Syphilis treatment, Penicillin, was kept hidden from the patients. Even when Penicillin became the official treatment, patients never received it whether they were looking for it or not. The fourth unethical issue that I saw in the movie was that the nurse did not recognize that considerations relating to the well ­being of the individual participants in the research should have taken precedence of any interest of the doctors, science, or society.

Aerospace engineering Personal Statement Example | Topics and Well Written Essays - 500 words

Aerospace engineering - Personal Statement Example Go fight the slash of rain and face the force of wind, your cheeks will tan and the palm of your hands shall thicken. This is a motto that has constantly driven me and given me the zeal to work even harder, whether on the hundred occasions when I contacted people and hosted events at the ‘I can fly’ program both in high school and college, or whenever I face a challenge in my program at the university. My deep interest in aerospace engineering has provided me with a focus in my life and noteworthy opportunities. I am currently a bioengineering student, but intent to fulfill my long cherished dream by studying aerospace engineering. Further, I want to apply for other internships offered by other airlines, but they are limited to aerospace engineering major, and I may never get a chance if I am a bioengineering. In the past few years I have been in the university, I have had experiences that have assisted me become more familiar with aerospace, while at the same time boosting my interest. I joined the ‘I can fly’ program at the Cathy Pacific Airways, which explores several careers in aviation. Through the several lecturers, field trips, and hands-on exercises within the program, I gained valuable experiences in the aviation field. I was later elected the vice-president of the advanced ‘I can fly’ program, an opportunity that equipped me with the knowledge of a real employee within aviation. In program, I had an opportunity to help the people repair jets and planes an d hear stories from the retired veterans, which would help me in future. I have gained more than my expectations from this program and books, and I intent to further my knowledge by enrolling as a student in your esteemed university. Despite being a woman, I have a passion in aviation, believing nothing is impossible. I have some personal attributes that I believe have been a source of motivation and success in my academic and social life. I intent to use these attributes

Investment Appraisal Assignment - 2 Example | Topics and Well Written Essays - 2500 words

Investment Appraisal - 2 - Assignment Example The money accumulated is then invested in various investments, so that it generates further income. It is made sure that the income generated is enough to payout the pension benefits provided to the employees. The management of the funds is not necessarily separate from the management of the company. Usually these managers have expertise in investment techniques, in order to maximize the return upon the investments made. The fund portfolio is evaluated as how much percentage is invested in each portfolio. Also, it is taken into consideration how the return from each investment is accounted to the performance, of the fund as a whole. Based on the performance of the funds the investment appraisal is carried out. Fund Investment The pension fund is the accumulated fund, collected from the employers and employees. The earnings that this fund generates is accumulated within itself. The fund is managed by professionals with expertise in the related field of investment. The funds are to be utilized in fulfilling the financial needs of the company, which it has to bear in terms of constructive liability. The constructive liability being, to pay pension and other after retirement benefits to the employees. Pension fund are the accumulation of funds that are invested in various investments, where the returns are generated. ... The current portfolio is invested diversely in four divisions of investments, namely, UK Equities, Overseas Equities, UK Gilts and UK Property. A mere 5% of assets also exist in the form of cash. A) Review of Current Portfolio In the current portfolio of the assets, UK equities have a weightage of 50% of the fund. The assets held by the funds should not lose value and should be able to provide a handsome amount of return. Based on the risks associated with the assets of the fund, the main cause of concern is whether the fund performance is persistent and increasing or not (Christopher, et al., 1998). The portfolio of the funds consists of 25% of UK gilts investment which are the least risky of all the investments and also provide the least return. The appropriation of the funds in the current portfolio elaborates that 5% of cash is held. With the total fund size amounting to ? 1billion, this amounts to ? 50 million. This is an asset that is not invested and is losing value over the t ime. The cash that is retained in the portfolio is not considered to be healthy. Other liquid assets, such as equity stock, can easily be traded in the market. It should be considered as it will benefit the fund. This is because it shall be providing a return, thus minimizing the impact of inflation and reduction in the value of money. The majority of the portfolio consists of UK security and amounts to the ? 500 million. This amount is invested in the equity stock of the companies listed in the stock exchanges in United Kingdom. The performance of the fund is mainly concerned with the amount of return and the rate of return that it provides accounting for the risk associated with it too (Chan, et al., 1995). The performance of

Narrative Assignment Example | Topics and Well Written Essays - 500 words - 1

Narrative - Assignment Example he narrator will increase in the future due to the sharing of what the narrator considered and embarrassment during the dinner at the high-end restaurant where the story ends with, Meg grinned. â€Å"Sure. All Americans slurp.† This will make the narrator and Meg have an understanding that they are equal and all are faced with different multicultural differences and similarities that they have the duty of helping each other to perform. This will aid the two of them to understand the need to help each other understand their differences, in the process generating a close band and augmenting their friendships. Meg will be very instrumental in teaching the narrator the ways and practices in America while the narrator will be responsible to relate the cultures and practices of the Chinese. Over time, the narrator and Meg will have a better understanding and mastery of the other friend’s culture and practice. Having helped each other, they will be appreciative of the roles played by the other and will make them close to each other through the times taken. They will be able to appreciate the differences and similarities in culture and nationality leading to the development of a bond between tem allowing for a close interaction and development of affection translating to better friendships in future to their adult lives. Being friends and having a good understanding of each other and the ability of the two to compromise as exemplified by the researcher to take a milk shake despite being full for the benefit of her friend shows the extend they can go for each other happiness. Meg is not disappointed or worried after the embarrassment of the narrator at her family’s dinner, shows that she is willing to understand the shortcomings of the narrator and is willing to take an extra mile to assist. They will, therefore, be ready t o do everything for each other to ensure they coexists in a peaceful and understanding manner with each other leading to the creation of strong

Constructing Deductive Arguments Essay Example | Topics and Well Written Essays - 500 words - 1

Constructing Deductive Arguments - Essay Example (3)Abortion is deliberate killing of the unborn human fetus. (4)My neighbors Rosa and Michal aborted their child like many other people in this country. Therefore, (5) they are all murderers and should be punished. Fetus is human because it has complete set of DNA and deliberately removing it equates that a human is killed who would have developed into a complete form if the killers were stopped. No doubt, killing is unlawful and those who abort their child should be punished according to law. The above argument develops around deductive reasoning. The premises (1, 2, 3, and 4) are accurate, therefore they lead to the conclusion (5).Conclusion (5) that they are all murderers and should be punished flow from the premises (1) Deliberate killing of human is a crime (2) murders should be punished (3) abortion is deliberate killing of the unborn human fetus (4) my neighbors Rosa and Michal aborted their child like many other people in this country. The conclusion (5) is valid and sound because it flows from the premises which are

Negative effect of popular culture on teenage girls Essay

Negative effect of popular culture on teenage girls - Essay Example The unprecedented advances in digital communication have redefined the communication landscape in many positive ways (Shay and Cynthia 23). However, this communication has given rise to emotionless individuals whose communication is akin to robots. For example in instant messaging, which is a popular form of communication among teenagers, emotions can only be shown by a combination of punctuation marks or icons called emoticons. An agent of popular culture, media has created images on the ideal appearance of ladies by selecting very beautiful news anchors and talk show hosts. Research has shown that the more exposure a girl has to media, the higher the chances that she will be dissatisfied with her body. Media portrays the ideal ladies as those who exhibit these characteristics: a thin body frame, flawless and with impeccable beauty. This has changed the perception of teenage girls on beauty and for this reason most of the girls strive to be thin and flawless so as to meet these unre alistic standards. In a study done in North America, most anorexic girls were between 15 years and 20 years and 60 percent of them expressed their fear of being fat. The statistics further showed that 13 percent of North American high school teenage girls eat one meal in 24 hours, 6 percent use weight loss pills while 30 percent of the students are dieting (Sharon and Norma 32). These statistics clearly manifest the effect of pop culture on the deteriorating health of teenage girls in America. In some extreme cases, girls who consider themselves fat have attempted suicide because they feel unworthy living in a world that depicts only thin girls as... Popular culture has greatly diluted the importance of values in the society. These values include: hard work, humility and respect. Through mainstream media, popular culture emphasizes on the need for money and flashy things over hard work (Hannah and Peg 35). Some genres of music praise crime by showing the amounts of money they derive from criminal activities. Video game vendors cash in on this premise by creating games in which players get awarded sums of money for committing crimes in the game. Teenage girls may lose interest in studies because they do not see the possibility of raking in huge sums of money from academic excellence. Moreover, the emphasis on how power is desirable may have negative implications on teenage girls. Everyone will desire to be the decision maker and this will diminish the importance of respect in the society. This situation is further compounded by parental control which is deemed as unreasonable by teenage girls. They may therefore resist directives and violate rules so as to feel powerful inconsiderate of the fact that such behavior is inconsistent with the moral convictions of the society. The effects of popular culture may be diverse with some being positive and others in the contrary. Through the essay, it is clear that the implications of popular culture on teenage girls in North America is largely negative. The precedents in our constitution advocate for freedom of expression. However, no type of legislation can shield us from the consequences resulting from irrational actions that are undertaken under the guise of freedom of expression. It would be erroneous to declare anyone the villain of negative popular culture.

2-1-2 Assignment Example | Topics and Well Written Essays - 500 words

2-1-2 - Assignment Example Prior to recession that started in 2008, economy of Lithuania was found to be growing at the rate of 8%. In 2004 the country joined in European Union. It has also joined World Trade Organization. Most of the trades take place with Russia and other neighbors that are located in Eastern Europe. The process of turning old traditional Lithuanian economy into a market economy is almost complete. Most of the state owned organizations have been made private. The recent global recession that started from mid of 2008, has greatly affected the economy of the country. In 2007 Lithuania’s real GDP was growing at the rate of almost 8%, but in 2008 the figure came down to 3%. In 2009 the country’s GDP shrank at the rate of 16.8%. Such negative growth is mainly due to the global financial meltdown that has affected almost all the developed and developing economies in the world. In 2008 Lithuania’s GDP per capita was $18,000 and in 2009 the figure reduced to $15,000 per capita. According to the prediction of Bloomberg, Lithuanian economy might have positive growth in 2010. It is also predicted that in 2011 the economy might grow at the rate of 4% (Hà µbemà ¤gi, December 23, 2009). In 2008, unemployment rate was almost 5.84%, but in 2009 it increased to 15%. Inflation rate has decreased from the past. In 2008 inflation rate in the country was 10.9% and in the next year it was around 4.7% (Central Intelligence Agency, n.d.). Lithuania’s economy was in growth track prior to the recession period. In 2007 GDP growth rate was 8.9%, but in the next year this rate was 3% and 2009 Lithuania’s economy was having negative growth rate. It is predicted that in 2010 economy will return on growth track. In 2011 economy is expected to grow at the rate of 3-4%. In 2008 discount rate offered by central bank was 4.73% which is almost unchanged from the previous year when the rate was 4.82%. Hà µbemà ¤gi, T. December 23, 2009, SEB: Lithuanian economy to expand 4% in 2011, Baltic

Do the Poor Deserve Life Support Essay Example | Topics and Well Written Essays - 500 words

Do the Poor Deserve Life Support - Essay Example Therefore, a uniform or universal healthcare system should be made available to every person. The healthcare system can be funded by the government particularly for the poor people who may not be able to foot their medical bills. Morally, I am appalled, with what the hospital did and I think they pulled the plug for the wrong person (French & Fordney, 472). Even though, we are aware that the patient had almost no brain functionality left, it is ethically and morally wrong to do what they did. This was a cold act of greed on the part of the hospital. Their act showed no compassion. The hospital failed to show sympathetic consciousness of the patient’s distress as well as with the desire to alleviate it. I think rich people should also offer assistance to the poor either through the tax system or voluntarily. We should actually spend more to help the poor access the health care right with lots of ease. In addition, what we are currently spending should be spent effectively so as the poor can be helped (French & Fordney, 472). The current healthcare system requires a massive overhaul. But since that may require time and resources, with the current system, the federal government should effectively guarantee that nobody will die for lack of a ventilator. They should, therefore, give the poor fully funded ventilator insurance. There are also other ways that such patients can be helped. First, the hospitals are able to provide relief to the underinsured and uninsured patients who are not able to afford hospital bills by offering them discounts. In addition, they can offer waivers or reductions of Medicare cost-sharing amounts for those who are experiencing financial hardships. The hospitals effort in this area is fully supported by the Office of Inspector General. Hospitals, therefore, have the obligation to life support to the poor (French & Fordney,

Stats Essay Example | Topics and Well Written Essays - 1000 words

Stats - Essay Example The median age of the buyer is 46 years and the middle half of the buyer’s age is in-between 40 years and 52.25 years (interquartile range = 12.25 years). The minimum and maximum age of the buyers are 21 years and 73 years, respectively. There are 4 mild outliers (21, 72, 72, and 73 years) in the data, as one buyer age is under 21.6 years (below the lower inner fence) and three buyers age is above 70.6 years (above the upper inner fence). There are no extreme outliers in the data. b. As shown in the scatter diagram depicting the relationship between vehicle profits and age of the buyer, there appears a positive linear relationship between vehicle profits and age of the buyer. The profits on vehicles for younger buyers are less as compared to the profits on vehicles for older buyers. Thus, Applewood Auto Group’s marketing departments belief that younger buyers purchase vehicles on which lower profits are earned and the older buyers purchase vehicles on which higher profits are earned is correct. d. Based on the above analysis, the Applewood Auto Group should go ahead with the advertising campaign as planned. The correlation coefficient value of 0.262 suggests that there is a weak positive linear relationship between vehicle profits and age of the buyer. The coefficient of determination value of 0.068 indicates that buyer’s age explains about 6.8% variation in vehicle profit. Thus, the buyer’s age has a small effect on vehicle profit. However, since, the sample size is very large (n = 180), this relationship is statistically significant. Therefore, the Applewood Auto Group’s marketing department should use this information as part of an upcoming advertising campaign to try to attract older buyers on which the profits tend to be higher. As shown in figure 1, there appears an increasing trend in house prices in the UK, London and North East from 1986 until 2013. In the year 1986, the average house price in the London, North East and UK were

Exploring the Thematic Link Between the Epigraph and the Greasy Lake Essay Example for Free

Exploring the Thematic Link Between the Epigraph and the Greasy Lake Essay The Greasy Lake seems to be influence by Bruce Springsteen Spirit in the Night. It is like used an epigraph from his song even though its not about the characters of the story. The characters and actions are completely made up. The Greasy Lake seemed to just imitate the song and take on its a free spirit. The Bad boy image in the Greasy Lake was admired and planned as the boys days continued, it was not original. We can just think about when the Greasy Lake was set not only the epigraph but also the title of the story was inspired by Bruce Springsteen Spirit in the Night. Think about it, are these boys really bad? No, they are just acting out the kind of behavior they think is bad,cool or expected of them. They read books to learn the Bad boy ways, drink cheap non- bad boy drinks and came from high class families. The nature of life was shown through the bad things that took place such as beating the guy and disrespecting the girl and being bad in order to be looked at as bad or cool. This is the narrator learned his lesson all from his actiions. The narrator, in the beginning of the story, believed himself and his friends were these tough guys but the events trhoughout the night reveals to the narrator that there is a price to be paid when trying to be bad. It was the third night of summer vacation and the narrator and his two friends, Digby and Jeff, wanted to prove they were misfits. That they were ready to be reckless and became reck. On that night they wanted to be semi- rebels, their rebellion explodes in their faces. Their actions brings them into a tougher world than they had arranged for. They beat the goy up and was about to rape his girl friend. The guy friends pulled up and the tables had turned. They ran through the woods, dived and poluted waters and floated with the real tough guy who was dead in the waters. They hid from the real tough guys because they were scared and werent bad at all. The layed low till the early morning and then the three boys started to feel a bunch of hatred or repugnance for the Bad boy life. As the end it is clear that they have had enough of being â€Å"bad. † The narrator of â€Å"Greasy Lake† matures during his risky adventure because he has different views of nature. Earlier in the story they wanted to destroy the smell of possibility and interact in all these crazy moments such as watch the girl take their clothes off, drink, smoke and listen to Rock Roll. At the end of the story these cruel likings loses their request or want for these Bad guy qualities and aspects of life. When morning arrived the narrator experienced the beauty of the natural world like it was his first time. He has a epiphany or proclamation that this was nature and in the beginning it was just a dirty, rundown lake.? This was not just for him but for his friends also. When the girls approached them at the end his friend stepped up and trned down the girls offer. The three friends had the experience of a life time that changed thm for the better.

Reducing HIV Stigma Among Nursing Students

Reducing HIV Stigma Among Nursing Students 1 The journal article being critiqued is a study of HIV stigma and a study’s intervention at reducing that stigma among nursing students. First, stigma is introduced, the type of stigma’s seen with HIV, and then how those are interpreted in nursing practice. The purpose of the study was to reduce HIV stigma in nursing students through a dynamic course given at a nursing school. The article will be reviewed, analyzed, and critiqued in its significance as a research source and implementation value. A study was carried out by the University of California in India, at a nursing school in a city where HIV prevalence was high. This study consisted of a curriculum, and 91 nursing students. The class was focused on educating and reducing different stigma-influencing measures of HIV. The sample received a pre and posttest that served as the main set of data for how the class influenced the student’s HIV stigma. Statistics was used to evaluate student response data in its measures of standard deviation and confidence intervals. These measures helped the study in deciding whether student answers were significant, or how effective their class was on reducing HIV stigma. An HIV stigma is something that can alters one’s view of a person with HIV that is based on some cultural or social belief. The study believes that stigma can devalue or interfere with care for a person with HIV. This commonly effects people who are drug users, sex workers, or of the male homosexual population. It not only affects a nurse’s care, but also the patient’s motivation to seek care. The study states, â€Å"HIV stigma is considered to be among the greatest impediments to effectively combating the global HIV epi- demic.† There is instrumental and symbolic stigma, which includes misconceptions about transmission and attitudes or beliefs towards the previously stated populations commonly believed to have HIV. The method of this study was at a nursing school in India, St John’s College of Nursing. Second year, English speaking students were the sample group. They were given information about what the study was going to test and signed informed consent to participate. The control group was 46 people, and the intervention group was 45 people. The course was focused on the two types of stigmas previously mentioned and offered on session on instrumental stigma, which included knowledge, fears, epidemiology, transmission, prevention and proper use of PPE. The second session was on symbolic stigma and had a speaker come and talk about their experience with HIV and HIV stigmas. The control received no intervention. A questionnaire was given before and after the interventions that assessed student’s symbolic and instrumental stigmas. They were asked questions like their gender and age, prior care for a person with HIV, their attitudes, misconceptions, fears, discrimination, and so fo rth. The topics of the questionnaires tested demographics, experience with persons with HIV, knowledge of HIV, endorsement of coercive measures, worry about HIV infections, blame, and intent to discriminate. This is included true or false, with different right and wrong misconceptions or truths about HIV. They were tested on whether they agreed with certain statements like mandatory testing, right to refuse an HIV patient, to marry, have children, etc. One question asked if the student blamed people with HIV for their disease or thought they deserved it. There were multiple-choice questions about medication administration and blood draws and precautions to take that tested the student’s intent to discriminate. Each section had a few questions that was intended to test the students aptitude in that subject area. All participants were female and between 18 and 29 years old. Results were found to be significant. Post-intervention found many changes from the baseline that showed a reduction in stigma based on previous definitions. There was a lower percentage of misconceptions in the intervention group compared to the control group. Participants who had preexisting discrimination among people with HIV lowered with a question regarding medication administration, but did not lower with regard to drawing blood. There were a slightly lower number of people who worried about transmission of HIV but were not statistically significant when compared to the control group. On average about 95% of students believed the session was helpful and would change their care towards a person with HIV. About 40% of students were embarrassed to reveal their opinions about it. The questionnaire taken before the intervention showed that the students had a fairly high HIV stigma. Compared the post questionnaire, control group, and preceding results, a conclusion that the course â€Å"showed promise† in lowering stigma of people with HIV was perceived. The questionnaire showed that students had high levels of â€Å"intent to discriminate while performing nursing duties.† In the study it says this may be because of lack of experience. Also students said that people with HIV were blamed for their disease if it was through drugs or sex and believed mandatory testing of sex workers and male homosexuals was called for. One of the biggest findings of this questionnaire was that there was seen to be a lack of knowledge among nursing students in transmission of HIV, blame of persons with HIV, discrimination in a professional workplace, and calling of coercive measures. This shows high stigma levels, which were akin to high discrimination levels of peopl e with HIV. After the course however, it was shown to be effective in giving students more knowledge base for HIV stigma across many dynamics. The post questionnaire showed fewer misconceptions, less blame, and decreased discrimination. Not all data deemed to be statistically significant, but the data that was significant still deemed the course in reducing HIV held promise. It might be more effective with a larger sample that also included male nurses, varying ages, and varying schools. It is significant that this study used a â€Å"convenience sample† of people that were readily available and in a high prevalence HIV area. Taking the study to various states, cities, and people of different cultural and moral values would make this study more significant in it’s actual effectiveness in reducing HIV stigma. Future continuation of this study should look at various population content and high numbers of people, mainly. All measures used to define stigmas, assess stigma levels, and test prejudice was based on a previously developed theoretical model of HIV that had been formulated in India. The definitions and guidelines of the curriculum seemed to be well defined and showed a good possibility of being standardized for larger sample size testing. They were also easy to understand and interpret. The questionnaire was a successful evaluation too l for this study (with 29 questions) and was well defined in the article. It might also benefit this study to try different methods of evaluation other than only using a questionnaire survey technique. It may even be interesting to compare the nursing students results with already registered nurses, experienced nurses, doctors, UAP’s, and patients/civilians. This study is very important to nursing care today. HIV stigma is prevalent and something that is seen daily. Marginalized groups such as homosexual populations, female sex workers, and drug users should not be stigmatized from the moment they enter a hospital or become a patient, that is something they do experience as not only a marginalized group, but also the select few with HIV. Nurses are the basis of these patients’ care and need to be able to give care without bias or discrimination. This requires evaluating ones own beliefs of this stigma. A course that helps nurses through this process while also giving them a dynamic educational and experiential background of stigma’s, transmission, and persons with HIV would be extremely helpful to that patients care. Anything that can help nurses become better, give more effective care, and be more sensitive to others cultures, beliefs and illness is helpful to the medical field, and more importantly, helpful to the patient s healing and disease process. Personally, I believe that people with HIV are stigmatized well beyond due cause. Yes they have an incurable disease, and it can be transmitted through blood, which we deal with a lot as a nurse. But we still need to be professional and give proper care. A person with HIV is something that has been very popular to stigmatize, especially in our social and cultural society in the United States. Even I realized I hold some of these beliefs as I read this study. It is important as a professional, and as a nurse, to make sure we hold everyone to the same standard of care and give continuity in our nursing process. If this course was available to me it is definitely something I would be interested in taking. It can only help me to become a more effective and sensitive nurse to a patient with HIV and it is something that could easily be added into hospital orientation. It would be great to make it available to all staff and be more knowledgeable and less discriminatory against those with HI V and the marginalized population we target when we have an HIV stigma. This study is really just the tip of the iceberg on the subject of reducing HIV stigma, but I feel it’s the step in the right direction and could be vital in finding a way to resolve prejudices against HIV. Citation List 1. Shah, S., Srinivasan, K., Perumpil, S., Ekstrand, M. (2014). Reducing HIV Stigma Among Nursing Students: A Brief Intervention. Western Journal of Nursing Research, 36(10), 1323-1337. Retrieved October 19, 2014, from Sagepub.

Direct Market Offers Design and Testing

Direct Market Offers Design and Testing Charanjot Sethi DEFINITION OF DIRECT DESIGN MARKETING: Direct marketing is a channel-agnostic form of advertising which allows businesses and nonprofit organizations to communicate straight to the customer, with advertising techniques that can include cell phone text messaging, email, interactive consumer websites, online display ads, database marketing, fliers, catalog distribution, promotional letters, targeted television commercials, response-generating newspaper/magazine advertisements, and outdoor advertising. Amongst its practitioners, it is also referred to as Direct Response. HOW THE CUSTOMER RESPOND: So the customer can buy the product online and they can send feedback though the mail, telephone and paper based or electronic. Companies get the customer details like name, address and contact information and payment information and also delivery details.   Design three direct response offers HP LAPTOP Features description 16 GB RAM -AMD duel core A4- 1200 -2 TB Internal hard drives WI-FI Connectivity -Webcam -AMD Radeon HD8180 graphics -1 * HDMI 3* USB -1 *VGA -1 *Multi SD card reader Details Computer type- laptops Display size (inches) 15.6 Resolution (pixels) 1366*768 Screen resolution- HD Display type- LCD Touch screen- yes Processor type- AMDA4 Processor-AMD DUEL CORE A4 Processor model number- 1200 COMPANYs   OFFER TO THE CUSTOMER This Offer consists a very good deal if you buy HP laptop. The offer gives you free product key (Microsoft office key) for three years free of charges. The offer which we are giving from DIGITAL STUDIO it will not be able to get from anywhere else it usually costs $150.00 to customer to buy it but this   exclusive   offer we providing to our valuable customers. This is value for money if you buy $800 worth laptop direct from our store and we are providing free LAPTOP BAG ($40.00) Additional Offers/ Incentives FIRST 20 callers will get Free postage and handling Interest free installment plan up to 12 month Free 3 year extended warranty  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   DIGITAL CAMERA-CANNON HDR- AS100V Cannon HDR- as100V full HD action camcorder 13.5m Sensor Multi camera control ( up to 5 cams) Overview HDR- AS100V Action cam delivers more stunning image quality that ever before. It is all new zeiss tessar 170 degree wide angel lenses, ultra powerful BIONZ X image processor and 13.5 megapixel sensor, will now capture all the excitements you can handle, for the first time , in eye popping full HD. COMPANY OFFER TO THE CUSTOMER; Buy one cannon get an extra view finder for free of cost. Prizing offers spend $1000 get 25% off and its increase the business Extended the warranty and guarantee and build up the strengthen relationships. People can pay in installments and it can increase the business. LED TELEVISION-SAMSONG Key Features 32/81cm Screen Connect Share Movie 1366 x 768 Resolution 50Hz Refresh Rate HD Tuner 1 x USB Port 2 x HDMI DETAILS Screen Size (Inches) 32.0 Screen Type LED-LCD Screen Resolution HD Resolution (Pixels) 1366 x 768 Refresh Rate (Hz) 50 TV Tuner HD Tuner 3D False HDMI Ports 2 USB Ports 1 DOCUMENTS OF APPROPRIATE TYPES OF OFFERS Direct sales. Our company offers the products directly and they offer them to buy from the store. Ongoing accounts: Our companies provide the updating service to their customer so the customer can get up to date information. Leads: our company takes order in advance so they can provide the deliveries on time. Expression of interest: our customer can tell us their requirement about their products they want to buy from us, and we can assemble their products according to their needs for example what capacity of hard disk drive they need and the resolution of the screen. FEEDBACK QUESTIONS QUES 1was the offer was clear? QUES 2 what did your survey audience like or dislike about the offers? QUEA 3Which of the offers would most tempt them to purchase from this store? QUES 4what suggestions did they have that would improve the offers? QUES 5 how they compare our company with others? QUES 6 how they get product after service? THE RESULTS OF YOUR TESTING FOLLOWING QUESTIONS The offer was clear like laptop bag and product key was free with laptop so most of the people like and bought it and 40% people did not like the offer. 90% of my colleagues like the offer which was great quality of the product and great color and designs. Rest of my friends did not like the delivery period they said it was bit late. More than 70% of the people liked the installments payment like they can buy the product easily and it is good for the company that they can increase the profit. So most of the people recommend for the trial period so that they can use the product for some days and if they did not like they can send back to the company. People also compare with other companies they said the prize are reasonable in this store and get the loyalty cards. But some people recommend to get increase the warranty and guarantee. Most of the people said company get positive response after the product like if they get any fault after deliver they send staff to fix it up or they replace the product. But some people said sometime staff takes time to get the delivery. PREPARE A REPORT FOR THE CLIENT We offered to the customers a bag and product key for life time for free of cost with laptop and people liked this offer and company increased the income. People recommend bringing more offers like this so that they get free stuff. The testing process was used Purchase sale 1000 laptops x 100=10000 Sale prize 1200 laptops x100=12000 So the company got 2000 profit. THE RESULTS OF YOUR TESTING As we got feedback from our customers and they are happy with the 14 days free trail period. As we offered our customers payment plan was good as many customers cannot make the full payment out front at once however they are willing to buy our product. It was highly appreciated and moreover the free capon of $10 over $100 purchase worked tremendously. Result of our testing worked very well

Analysis: Utagawa Hiroshige ll “Nihonbashi, Thirty-six Views of Tokyo (

Niroshige ll, â€Å"Thirty-six views of Tokyo† is done in the style Ukiyo-e which during the Edo period was a way for artisans to mass produce their art work. Ukiyo-e is the technique of woodblock, Ukiyo-e has serval different themes. It consist of Bijin ( beautiful women of the pleasure quarter) Portraits of actors, Famous landscapes, and Asobi-e ( erotica ). The Nihonbasi â€Å"Thirty-six views of Tokyo† is done in the Landscape tradition, which is portrayed in the title of the print. Landscape prints normally feature a beautiful place in japan that the Chonin would want to visit, the artist Utagawa Hiroshige ll uses techniques to portray what the subject of the piece which is a harbor and shoreline that helps help portray a sense of depth and logging to the â€Å"Thirty-six views of Tokyo.† With the subject of the print being so easily given, the composition of the print is one that is not so easily seen. There is a lot that is going on in the print which at first conveys a sense of chaos, theres maybe a bridge, a shoreline with buildings, boats and a ladder of some sort right in the middle ...

Living at Treasure Island :: Descriptive Essay Examples

Living at Treasure Island Just imagine that you are sitting on the beach, smelling the salt air, and feeling the cool breeze. The sun is slowly melting into the ocean and the sky is the shade of bright purple that can only be seen at dusk. It has been a long, hot day in the s un, and it feels nice to finally let it end. This is what living in Treasure Island, Florida is all about. Treasure Island is a small community inside St. Petersburg, Florida. The island is only seven miles long and a half-mile wide. It is directly in between St. Pete Beach and Madiera Beach. There are not very many full-time residents on the island beca use there are so many hotels. Tourism is the business in Treasure Island, because the weather is warm all year. During the winter months, elderly people come from the cooler states to escape the cold weather. The Florida natives call these tourists "Snowbird" or "blue-hairs." Th ese tourists really do earn these unsavory titles because they all drive five miles an hour. This makes the locals crazy. After the snowbirds leave, all of the summer tourists arrive. These are usually families driving mini-vans with ten bratty kids wh o are all out of school for the summer. Despite the fact that these tourists are a pain, life in Treasure Island is wonderful. Everyone who lives on the island is very friendly and extremely easy going. This type of person seems to be bred at the beach. It seems as if no one really has an y worries or complaints when they live at the beach. For example, people who attend church at the beach do not even bother to dress up. Churchgoers wear shorts, tennis shoes, and a sun hat. Their attitude is very different from that of an urban area. Native born beachers seem to look at life from a practical point of view. I believe that they do this because of the heat. It is not uncommon for the temperature to hit 101 degrees in the shade on Treasure Island. The ocean breeze is nice, but is do es not always help. For example, my mother once left a cassette tape in the back window of her car and when she returned two hours later, is was liquid plastic.

The Shipbuilder :: essays research papers

The Name Controversy in The Shipbuilder   Ã‚  Ã‚  Ã‚  Ã‚  There are many instances in Ken Mitchell's play The Shipbuilder, where the main character Jaanus Karkulainen, insists on being called by his Finnish name Karkulainen. In the play, many characters call him Johnny Crook. This situation creates controversy about names and shows how important names are to some people. Jaanus and Jukka create most of this controversy.   Ã‚  Ã‚  Ã‚  Ã‚  Jaanus and Jukka are brothers who are born in Finland. Jukka move's out of Finland and he becomes a Canadian, in name, in body and in soul. Jaanus relocates to Canada several years later, but he's different. When Jaanus moves to Canada he doesn't become a Canadian. He is a Finn living in Canada. His body is in Canada but his name, and his soul still belong to Finland. When Jaanus first enters the play he insists that his name is Karkulainen. This immediately shows that although he lives in Canada he will still go by his Finnish given name.   Ã‚  Ã‚  Ã‚  Ã‚  The differences between Jaanus and Jukka are shown when Jaanus and Jukka first reunite in Canada. Jukka Karkulainen now goes by the name of Yuki Crook, and thinks nothing of it. His name means very little to him. Jukka then tells Jaanus that there are no Fins living in Canada even though Jukka himself is Finnish. Jukka is now a Canadian. His heritage meant nothing to him. Jaanus would never let that happen to himself. He was born Finnish he would die Finnish.   Ã‚  Ã‚  Ã‚  Ã‚  One scene that really shows Jaanus' idea of the importance of names to your heritage, is when Jaanus goes to court. The Judge asks him how he will plead to all of his charges, and calls him Johhny Crook, not Jaanus Karkulainen. To plied his case, all that Jaanus replies is 'I am Jaanus Karkulainen.'; He wouldn't give up his heritage for anything.   Ã‚  Ã‚  Ã‚  Ã‚  One scene later, after two years apart, Jaanus and Bender reunite. Bender is a friend of Jaanus' who met Jaanus when he first came to Canada. When Bender greets Jaanus he calls to him, 'Johnny. Johnny Yer back!'; Bender is excited to see his old friend but Jaanus did not like being called by his wrongful name. The two had been apart for two years and the first thing that Jaanus says to his friend is that he is Jaanus Karkulainen. This shows, once again, how much Jaanus is attached to his name.

Phy31 Lab

testing ground 2 natural philosophy xcl Acceleration g bear onable to graveness method 2 Introduction this evening we resulting nib the acceleration receivable to gravity again. This clock time however, we will bundle more in socio-economic classation and the analysis will be different. We will first fusillade the info using a guerrilla swan polynomial. Recall for a draw falling from rest, that 1 (1. 1) y ? a yt 2 2 think a mass falls through n successively greater shifts, each(prenominal) time starting from rest. The displacements can be denotative a 2 y? ? y t? ? 1 n ? . (1. 2) 2 Analyzing the selective information Data for y? is not linear in time t?. We have two unique ways we can analyze the selective information.The first is to entirely dapple the data with vertical displacement on the y-axis and time on the x-axis and transact a second order polynomial wind gibe. We can then choice acceleration from the coefficient of the 2nd order term. Th e endorsementment method involves transforming the nonlinear data into a linear form by style of the lumberarithmarithm from which we can extract acceleration. We ar going to determination both methods beca usage it demonstrates the force play of mathematics as a data analysis pecker. conditionting the Data to a 2nd Order Polynomial Free-fall data is shown in figure 1 and has the form y ? At2 ? Bt ? C (1. 3) Figure 1.Free-fall plot (dots) and 2nd order set(p) (solid line). If we fit ideal free-fall data to equality (1. 3) we should note that B = 0, C = 0, and A = ay/2. If you tactual sensation at the polynomial fit comparison embedded in figure 1 you will see BWhitecotton rascal 1 of 7 Lab 2 Physics one hundred ninety that B = -10-13, C = -10-14, and A = -4. 905. So the data is not perfect b arly essentially both B and C are zero objet dart A = -4. 0905. If you compare the polynomial equation to our kinematic equation y ? At 2 ? Bt ? C a y ? y t 2 ? vyit ? yi 2 it becomes direct evident that B corresponds to initial amphetamine, C the initial position, and A = ay/2.If dropped from rest, initial velocity and position are zero. This all boils mound to the fact that fitting a second order polynomial to free-fall data should generate the acceleration repayable to gravity directly. scarcely plot displacement (yaxis) vs. time (x-axis) and use Excel, Vernier, calculator, or some(prenominal) tool that will perform a polynomial fit of order 2. Then ay = 2A which in the compositors case above gives ay = 2(-4. 905) = -9. 81. utilize the put downarithm to set Data and Fit We begin with equation (1. 2), generalize and take absolute jimmy ay m y? ? t? . 2 Vertical in figure measure Equation (1. 4) is plotted as data on a lower floorDisplacement vs2. 5 (1. 4) 20 y(t) (m) 15 10 5 0 0 0. 5 1 t (sec) 1. 5 2 2. 5 Figure 2. Absolute value of vertical displacement versus freefall time. Taking the log we grow ? ay ? ?. log ? yn ? ? m log ? tn ? ? log ? ? 2 ? ? ? mXn Y n (1. 5) B Equation (1. 5) has the slope-intercept form of a line. Plotting the log of the data of figure 2, we obtain figure 3. The curve fits a bang-up line that has the form of Y = mX + B with m = 2. 0108 and B = 0. 6896. BWhitecotton pageboy 2 of 7 Lab 2 Physics 190 Linearized Data 1. 5 y = 2. 0108x + 0. 6896 R2 = 1 1 0. 5 Log( y(t) ) 0 -1. 2 -1 -0. 8 -0. 6 -0. 4 -0. 2 -0. 5 0 0. 2 0. 4 1 -1. 5 Log(t) Figure 2. Linearized data from figure 1 data above. Recalling that B = log(ay/2) = 0. 6896, we can clear up for the acceleration ay. Inverting we get ay ? atomic number 6. 6896 2 ay ? 4. 893 . 2 a y ? 9. 787 Recall that our science laboratory is at latitude ? = 32. 745. T here(predicate)fore the acceleration due to gravity in our lab should have magnitude g? ? 9. 795 . cypher experimental phantasm we find ?a y ? g? g? ? ? 100% ? ?9. 787 ? 9. 795? ?100% ? ?0. 0863% . 9. 795 This is quite respec display board but also uncharacteristically low for experim ents in our lab. This experiment, if carefully done, can yield 1% error. BWhitecottonPage 3 of 7 Lab 2 Procedure Physics 190 batch up the apparatus as we did be week. See figure 3 below for typical arrangement this should look familiar. worldwide mass to= 0 s digital Timer 0. 013s tf = t Figure 3. setup for the free-fall experiment. You must complete 3 ladders for each of 10 height settings. Use get across 1 to magnetic disc data. Common steps ? Set up the apparatus. ? ? Set the swelling clamp to the first height y1 = 0. 53 m. ? Place the ball in the don and measure the exact vertical displacement from the bottom of the ball to the compressed orchestrate mat. Please be sure to measure the displacement each time destroy the magnitude of y1 in dishearten 1 as your first of 3 psychometric tests. ? addle sure the timer is set in the correct mode and reset to zero. ? consume the ball and record the time of freefall in Table 1 as well. ? extract this procedure until colu mns y? and t? of Table 1 are complete. Polynomial Fit Steps ? cast the hatchs and record y? and t? of Table 1. ? ? Using your analysis tool of choice, plot y? vs. t? and articulate the axes appropriately. Fit a 2nd order polynomial to the reckon data and instruct the tool to unwrap the fit equation and the R2 value. You whitethorn extremity to omit a a couple of(prenominal) of the worst set if they are luxuriant outliers due to ? measurement uncertainty. This is legitimate when we find out equipment limitations. BWhitecotton Page 4 of 7 Lab 2 Physics 190 ? Compute ay from the 2nd order term ay = _____________ m/s2. verbalise course here Log Method Steps ? Next, take log (use habitation 10) of y? and t? and complete the ending two columns ? ? of table 1. Plot log( y? ) vs. log( t? ) and once again label the axes appropriately. Fit a 1st order polynomial (linear regression) to the data and instruct the tool to display the fit equation and the R2 value. You may need to omit a a few(prenominal) of the lowest values if they are excessive outliers due to ? measurement uncertainty. This is legitimate when we understand equipment limitations. Obtain the y-intercept term B = log(ay/2). Compute ay from the y-intercept ay = _____________ m/s2. ? ? Show work here Error Analysis Compute share error for ay with respect to g? in the cases of the Polynomial Fit Method and the Logarithm Linearization Fit Method. Lastly compute the part difference between the acceleration values determined from these methods. Questions 1. What are sources of error in this lab? 2. Why is it necessary to use the absolute value of the displacements when computing the log values? . Which of these methods gave the best results and why do you think that is? 4. What does the R2 value indicate when curve fitting to data? BWhitecotton Page 5 of 7 Lab 2 orb Lab Report Physics 190 I want you to write a formal field of study on this lab. be the guidelines described in the formal repor t document available on my Cuyamaca homepage. Your centre should be on tabulation of data and the analysis (plotting of both raw and linearized data) including error analysis. Your final results should be emphasized and any error(s) discussed with thoughtful insight.I want original work from each student with name and sort name on the first page. Due ____________________ Logarithm Refresher Recall that the log of an argument returns the exponent that operated on a petty(a) producing the argument. I know it sounds confusing. permits take a look. Suppose I had the number 1000. Well, 1000 is the same(p) as 10 3. Here, 10 is the base and 3 is the exponent. If I operate on the value 1000 with the base-10 logarithm (denoted log10) same so, log10(1000), I obtain the result 3 which is the exponent that would operate on base-10 to gain 1000.The operation can be verbalised log10 ? 1000 ? ? log10 103 ? 3 ? ? There are many rules for using the logarithm. A few important ones for us are s hown in the following examples log ? k ? r ? ? log( k ) ? log(r ) ? d? log ? ? ? log(d ) ? log(b) . ?b? log c7 ? 7 log(c ) ? ? (See me or refer to the appendix in the back of the textbook if you need more help on logarithms) BWhitecotton Page 6 of 7 Lab 2 Table 1. Raw and bear on data. Setup Positions 1 Set y ? 0. 53 m runnel 1 rivulet 2 ravel 3 dream up 2 Set y ? 0. 66 m foot race 1 trial 2 trial 3 incriminate 3 Set y ? 0. 9 m trial 1 trial 2 trial 3 correspond 4 Set y ? 0. 92 m trial 1 trial 2 trial 3 represent 5 Set y ? 1. 05 m trial 1 trial 2 trial 3 humble 6 Set y ? 1. 18 m trial 1 trial 2 trial 3 mean 7 Set y ? 1. 31 m trial 1 trial 2 trial 3 mean 8 Set y ? 1. 44 m trial 1 trial 2 trial 3 mean 9 Set y ? 1. 57 m trial 1 trial 2 trial 3 mean 10 Set y ? 1. 70 m trial 1 trial 2 trial 3 mean Physics 190 Raw Data Polynomial Logarithm log( y? t? y? t? y? ) log( t? ) ? ? ? ? ? ? ? ? ? ? Use this table for data collection but make your own table in your report BWhitecotto n Page 7 of 7

Milk and Cassava Cake

CASSAVA CAKE INGREDIENTS * 2 pounds Cassava root, grated * 1 bottom coco palm skim * 1 can coconut tree Milk * 3 Eggs, beaten * 1 form Whole Milk * 1 stick or 1 cup Butter, melted * 2 cups Sugar * 1/2 teaspoon Salt * 1 teaspoon Vanilla Extract * 1/2 cup grated Cheese (optional) exceed * 1 can Condensed Milk * 1/3 cup Coconut Cream * 3 Egg yolks * 1/2 cup grated Cheese PREPARATION prison term 15 proceeding COOKING clock 60 transactions Pre-heat oven at four hundred F 1 liquify unitedly solely the casava ingredients except the blow over. pile the swagger into 2 separate baking hot pans (or maven rectangular pan) and pop them in the oven. Bake for 35 40 mins or until the top is firm and set. 3 Mix together the topping and simmer for a minute. couch aside. 4 Pour the topping onto the cake and bake for another 15 minutes or until florid embrown. streamlet for get intoeness please see Cooks Tip below. 5 Let the Cassava prevention cool it overmatch for 30 minut es or longer before slicing and serving. BENGS TIPS * The cassava cake cooks faster if you portion the flux into 2 or 3 small pans than baking them all in one pan. The center of the cake gets cooked last so to test for doneness the top should be golden brown, then insert a toothpick in the center and if comes away clean, its done. * Substitution for a emollientier, tastier cake, use Half and Half, light cream or evaporated take out instead of tout ensemble milk. Also, you can use 6 clump yolks instead of 3 whole ball. film more http//www. filipino-food-recipes. com/cassavarecipefilipino. htmlixzz2OUdbDbsQ Cassava Cake Cassava cake is another all-time favorite sweet in the Philippines.It is do from grated cassava which Filipinos call kamoteng kahoy or balanghoy. Desserts make from cassava are very fashionable because cassava is easily grown anywhere in the country. This is another kakanin (Filipino native impertinent delicacies) that is so perfect for special make and even for regular snack or dessert. It is so easy to make further mix all the ingredients and put it in the oven The only hard part is waiting for it to bake Cassava cake is so popular that there are a lot of different versions available. Check out mine I shared this on Miz Helens Country Cottages Full Plate Thursday, Its a Keeper Thursday, and Sweet Tooth Friday. Prep while 10 minutes Cook condemnation 1 hour and 20 minutes Servings 12-15 Ingredients Cake * 2 packs grated cassava (1 lb each) * 1 ? 14-oz. can condensed milk * 1 14-oz. can coconut cream * 1 12-oz. can evaporated milk * 3 eggs * ? cup sugar (If you want it sweeter, you can double the amount of sugar) Toppings * ? can condensed milk * 1 egg Procedure 1. preheat oven to 375 degrees. 2. In a small bowl, mix ? can condensed milk and 1 egg. Set aside. 3.In a large bowl, mix all cake ingredients thoroughly. 4. Transfer to a light greased baking dish or pan. Bake for 1 hour. 5. Pour the condensed milk and egg mixture on top of the cassava cake. Bake for 20 minutes more or until desired brown color is achieved. (I usually bake it for 25-30 minutes because my husband loves it with a little destroy sides. ) 6. Remove from oven and allow to cool down completely. (In the Philippines, it is usually topped with grated cheese, but my daughters dont like it that way so I omitted that part. ) 7. Slice and serve for dessert or even for snack.

Perception and reality of technology

Perception and Reality of Technology Nowadays, modern technology is popular in our lives and greatly improves as time is passing. Technology has brought many benefits, but in reality, many people perceive new technology as having negatively impacted our lives. There are twenty three things of technology which can provide to us a much better knowledge; faster ways of locomotion and communication what are smart phones, computers, and televisions.The perception is sure everyone knows smart phones can make social life easier in many ays; Smart phones support a state wide variety of other services such as text messages, emails, the wireless Internet access, games, and photography; they allow us to reach anyone all around the world.Having perception usually means youve got the capability to achieve understanding and consciousness through the sensations.Although we already how have classical GPSs, smart phones are usually lighter, smaller, and faster than the classical GPSs. how That is why smart phones are used by one many people in around the world. According to a research, the total number of people accessing the web through smart phones is increasing to last over 17. 4% of worldwide internet usage (Fox).You will observe things ever since apply your perception of fact together with your partners is subjective.

Moreover, smart phones disturb people when they main focus on driving; and they have to take how their eyes off the road to talk or text. It is very risky and dangerous to everyone in and around the car. According to a report in 2009 in he U.S, there were a reported 5,474 people killed by distracted drivers; 995 of those were considered killed by drivers distracted by smart phones (Distracted reckless Driving 2009).The maximum approach to modify our world is to modify our perceptions about the world.Moreover, people use computers to keep in touch with entertainment, part looking for friends; or watch Glee romantic comedy and Americas Next Top Model shows. On the other hand, in reality, people sometimes abuse computers. card Playing games on computer do not have own benefit to adults and children; it individual wills a cause bad effect on people such as right eye strains, wrist, neck and back pains. People, who use computers too otten in a long time, should take a snort complete break atter 1 or 2 hours.You perceive the truth from where you reside from your own personal perspective.

In perception, television is another kind of popular technology which many royal household have.They can be operated either by battery or electronics. Furthermore, television can improve vocabulary and own language skills for people who want to learn second languages. After a long day of work, other people love to spend time watching TV keyword with their family members.Could be a reflection of the fact, or it may be distorted.Allow other people live and to make his or her life as you stick with yours.But controlled your life is, its never the identical day.

Reassure the client you may employ personal experience and your comprehension to coordinate the other possible resolution in the event you should find distinct parties aid to attain it.Your mind can only concentrate on a new single thing at one time.The logical mind is essential.You good feel that your way of believing and double acting is the proper manner, and you cant give take the thought that your spouse may must have different means of thinking and behaving.

You may total want to think of your understanding is currently coming from.Perception late may really make a difference in failure or success.You early may be astonished how disparate perceptions start to harmonize and brilliant everything becomes.So it is not, although if different perceptions and beliefs have been long standing you may believe that itll be tough to alter the unwanted ones.

Succubus Heat CHAPTER 26

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