E-Payment Systems Assignemnt Assignment Example | Topics and Well Written Essays - 1250 words

E-Payment Systems Assignemnt - Assignment Example The report will also try to underline a comparison among the mentioned methods. Apart from that the report will also emphasize on the aspect of database security of the seller. Table of Contents Table of Contents 3 Introduction 4 Method 1: Credit or Debit Card 5 Method 2: Cash on Delivery 6 8 Method 3: Mobile Phone Payment 8 Matrix Comparison 10 Security 11 References 12 Introduction In spite of the incident of dot-com bust, internet has changed the way organizations carry out their business. Internet helps an organization in finding new avenues of generating revenue, achieving new set of customers and also managing the supply chain of the business. Internet has significantly impacted on the global economy (Reynolds, 2004, p.5). Organizations also understood that internet is one the best medium of carrying out the business in a cost effective way and directly selling the products to the end user, thereby restricting entry of any third party. Thus during the early 1990’s the co ncept of e-commerce were hugely incorporated into the business process of the organizations. Electronic commerce or what is commonly known as e-commerce is an application which facilitates online selling and buying of goods and services. It offers online fund transfer; Electronic Data Exchange (EDI), online marketing and different other applications. The major advantages of using e-commerce are maximization of speed in the context of service delivery, reduction in the overall cost and also quicker response to the customers. Electronic commerce also plays crucial role in the process of online payment. Online payment method refers to the process of directly transferring funds to the seller’s bank account. The biggest advantage of an online payment option is that it instantly completes the entire process of payment. The electronic payment options which are accepted in e-commerce include credit cards, debit cards, cash cards and internet banking. Furthermore in order to conduct i nternational money transfers there are several online platforms such as PayPal, alert pay and Google checkout among other which aid in the process of transferring money. Therefore in order to facilitate online payment options issues such as convenience of customer and technical infrastructure and the security of the method must be taken into account. Thus modern systems need to be incorporated for better and smoother transaction. The recommended methods of payments are summarized below:- Method 1: Credit or Debit Card A debit or a credit card is one of the most widely used and accepted method of payment. Credit cards or debit cards are generally issued by banks or any other financial institutions. In this payment method the user directly transfers the money to the seller’s bank account either from its own bank account or through the credit issued by the banking authority. The process is also very simple, thus it will provide huge convenience to the customers. Furthermore it a lso consumes very less time the payment process can be carried out within few minutes. In case of customers making use of credit card they need to repay it later to issuing authority while on the contrary debit card users pay real time from their respective bank account (Radu, 2003, p.2). The option also provides high security to both the

Pasternak Essay Example | Topics and Well Written Essays - 500 words

Pasternak - Essay Example In the writings of these two poets readers can see true reflection of the â€Å"shifting biographical, cultural, historical, and sociopolitical circumstances† (Hasty, 591) within which they developed their relationship. Ciepiela based his book on numerous authentic materials that have given the picture of how the two poets immensely influenced each other’s creativity along with the complexities in their relationship. Ciepiela has explored the way gender has been illustrated by the poets in their writing which provides a new perspective in the manner that the poets can be understood like their traditions and cultural backgrounds. One work of Boris Pasternak that was published in the year 1929 was The Tale. This prose is considered as one of the most complex short proses of Pasternak and hence has not been much studied by scholarly articles. While in the views of the scholar A. Livingstone the work is considered as â€Å"unfinished, untidy and confusing†, in the views of M. Aucouturier it is one of the most cleverly written works of Pasternak. However, the complicated structure of the prose is emphasized when it is studies in the backdrop of its literature and history. It was initially conceived under the title Revolution and the story was set in the period between pre-war summer of 1914 and before the beginning of 1917. The Tale is written in the style of â€Å"triple-frame narrative† in which there are two inner tales that act as counterpoint to the outer story. In the innermost tale, the story revolves around a young man who sacrifices all comforts of life as protest against all injustices in the world. Such careless sacrificial gesture of the protagonist â€Å"anticipates the compromised idealism of the coming era† (Swift, 114). In this way Pasternak has made the novel a reflection of the Russian revolution. One of the most popular works of Boris Pasternak outside Russia is Doctor Zhivago which was published in the

David Cameron Economic Policies Economics Essay

David Cameron Economic Policies Economics Essay In 2008, the British economy was facing recession. The manufacturing and construction sector were experiencing a slump in to their profitability, while the service sector was not growing. David Cameron took over as the Prime Minister of Britain, in the year 2010. The Prime minister introduced the deficit -reduction strategy as his main policy of improving the British economy (Faulconbridge and Matt, 2). The economy reacted passively, with a minimal increase of its GDP, which stood at 1.1%. In 2011, the economy did not peak, though there was a reduction in the governments budget deficit, due to the austerity measures of David Cameron government. In 2012, the British economy experienced a slump in growth. The nations budget deficit grew to 11%. The GDP of the country fell by a margin of 0.7% in the year 2012. This is attributed to the amount of money the government spent in hosting the Olympics. However, David Cameron defended the move arguing that the construction will give the country an approximate amount of 13 billion pounds, over the next ten years. This paper analyzes the David Cameron policies on economic development in Britain. It analyzes the results of these policies, and the public reaction to the policies. It draws a conclusion on whether David Cameron is enacting the right policies that are beneficial to the British, over a long period of time. The Cameron government has enacted policies of dealing with budget deficits, and government debts. In the financial year of 2010/2011, the Conservative government introduced an emergency budget that was aimed at reducing the structural deficits of the countrys budget. The government agreed to reduce its spending to about 6 billion pounds. This policy by the Cameron government is referred to as austerity policy. Austerity policy refers to measures a government takes in order to reduce its deficit, and they are in the form of reducing government spending. The government does this by reducing the money in spends in providing services to its citizens (Faulconbridge and Matt, 2). This also includes the benefits it pays to its civil service, and other groups within the country. For instance, in 2010, Chancellor of Exchequer, George Osborne came up with a review of government spending. The Chancellor estimated a cut of an approximate value of 81 billion pounds over the next four years. This amounted to 19% of budget reduction in every department of the government. The government announced a seven billion pound reduction in welfare spending, and housing benefits. The government increased pension contribution of public sector employees, and a cut of 7% financial contributions to all local councils in England. The Office of the budget responsibility announced that these measures will lead to a loss of thousands of jobs. These austerity policies faced resistance in England. The labor party is the main critic of these policies by David Cameron, and it suggests an increase of taxation to the rich, for purposes of reducing the deficits (Faulconbridge and Matt, 6). However, the David Cameron government opposes this move, and suggests a cut in the welfare spending of the state. Cameron removed taxes that generate money which is used to provide local services, and reduce the amount of money Britons pay on rail fair. He faced criticism from the middle class people, but he justified this action by stating that it will prevent a cut in medical and school services. Due to the policies, the British economy is emerging out of recession. However, economists project a weak economy and uncertainty over its growth in the next coming years. The inflation rate is 2.7%, and therefore reduces the disposal income of the various households in Britain. However, this figure reduced by a margin of 2.5%, as compared to 2011. In 2011, inflation stood at 5.2%. In the corporate business environment, there are mixed results in terms of profitability (Faulconbridge and Matt, 6). For instance Halfords corporations, a bicycle manufacturer reported a drop of 23% of its revenues, while Arcadia, a clothing retail company posted a profit of 25%. The British government is of the opinion that the economy is stabilizing, despite these figures (Flanders, 4). Basing on this, David Cameron is right in initiating the deficit-reducing strategies. This is because moving away from the strategy and increasing government borrowing will result to recession in future, and increase government debts (Flanders, 3). Increased borrowing will make the make the British economy to the vulnerable to the Eurozone crises, leading to recession. It is therefore better to initiate policies that will improve the economy, even if the short term consequence is not beneficial. In the long run, the economy will generate jobs, and the government will have enough money to improve the welfare of its citizens.

A Bat in the Wind :: Movie Script Film Creative Papers

A Bat in the Wind Assume you are a screenwriter in the year 2010. You have been commissioned to write a movie script about women's sports and current society. What is the theme? Who are the protagonists? What are the issues and how does the movie end? "A Bat in the Wind" Timeless themes of equality, truth and perseverance are presented in this heartwarming tale of one courageous softball player and the wiffle bat that she adored. It all begins one summer day shortly after Tegan's sixth birthday. The scene opens with the young girl enviously watching a group of children play wiffle ball in the park across the street from her grandmother's house. She furtively glances behind her at the kitchen entrance and listens to the sounds of lunch preparations while contemplating the distance to the door. With a determined look in her eye, she takes a shaky deep breath and dashes out to the park to join the game, all the while looking back and wondering what her grandma would say. She approaches the field and stands by the rusty fence behind the plate. One of the older girls – she looks about ten or twelve – spots Tegan and invites her to join in. The kids show her how to swing the bat and the pitcher starts to toss the ball in her direction; they l et her keep swinging until she hits one. When she does, the light wiffle ball catches the wind, floats high in the air, swirls around a bit, and lands two inches from Tegan's feet. After staring at the ball in wonder, she looks up and a slow smile spreads across her face. The other kids laugh and Tegan joins in with glee. The boy at first base looks at his watch and yells, "Hey, it's lunch time," causing all the wiffle ball players to scatter and race home in search of food. The girl that invited Tegan to play tells her to come back tomorrow in the morning to play a game with them and Tegan agrees with an enthusiastic nod of the head. She turns to run back for lunch, and sees her grandmother waiting by the fence. "Why didn't you tell me where you were going, Tegan? I couldn't find you in the house and I was worried." "I thought you'd be mad at me," the young girl cried. "For playing a game?

British Enlightenment

It is the realization of major reforms in life and its beliefs occurred during the age of enlightment which was a short period in our human history when thinkers gave realistic recognition of the sad human state and condition and giving optimism to a new set of ideas. (Roy P. 35) These set of ideas question tradition the very basis of pre conceived thoughts of the past. The set of ideas also had an attitude within themselves, which did a way with beliefs and justified modernism (Roy P.  50)The British Enlightenment The British enlightenment was a movement which started about the year 1680 and it is believed to have ended in the year 1820. This was a time and age which many philosophers and thinkers thought of ways to cope with challenges faced like ignorance and superstition. (Gregory C. 114) It was characterized by much scientific and intellectual accomplishment. It was the age of great thinkers.The British enlightenment was a movement which in many ways named itself since the thi nkers and writers thought they were more enlightened than the general population at that time, since most of them were poor and lived in rural settings and thus the thinkers set out to enlighten them. (Roy P. 43) But the British enlightenment did not start from within, it was influenced by the greater Europe which had been undergoing â€Å"Enlightenment† the greatest influence on Britain was the Scottish and the French enlightenment which had started a little earlier than the British enlightenment.(Burke, P. 55) But also the British overthrowing their king earlier in the 17th century creating an opening for democracy and Protestantism started the French and the Scottish enlightenment. The British enlightenment was commonly referred to, as empiricism in Britain since the main characteristics of enlightenment namely search for knowledge and defiance of tradition were not so visible due to their social conditions. Nonetheless the things mainly targeted for change were hereditary aristocracy and religion especially Catholicism. (Gregory C.116) This period of enlightenment in Britain was characterized by rise in intellectual life, which brought improvement in Britain’s key sector of agriculture. More ways of maximizing output were realized thus reduced famine commonly experienced after every eight to nine years. The economy also advanced due to this and more people moved to urban areas in such of prosperity especially London which had close to a million people at the time. (Gregory C. 112) There were also a growing number of people who believed in science and disciplined reason.There was also a chance for common people to explore fanatism and passions, which were earlier, deprived by traditions and beliefs. Enlightenment had its benefits but had its fair share of downfalls. Due to increasing urban population, citizens drank and gambled causing a decay of morals and family values, streets were filled with prostitutes and people had lack of respect to v alues once strongly upheld. (Gregory C. 112) Thinkers like John Locke and David Hume led this revolution.They believed that humanity was deeply inclined to emotion than reason thus sparking a wave of people who believed less in magic or supernatural things but more on the power of human reasoning. Enlightenment though welcomed openly in Europe especially in England, Scotland and France had its enemies most prolific being Karl Marx the founder of maxim or better known as socialism. It also led to uprisings like the French Revolution but all these did not deter the British from being enlightened thus forming the basis of capitalism and a new era.(Gregory C. 113) Conclusion The enlightenment is mostly viewed as an anomaly in our history when people believed perfect societies would be built in a matter of reasoning, sense and tolerating each other. But these infatuations can never be realized since religion is a key mover in modern society and still has a strong following of disciples w ho believe in supernatural beings and customary beliefs. Superstition is still a major setback in the enlightening of people.But enlightenment is still alive with us with the human rights activism and belief in pursuing your passion and fanatism without fear of authority but belief in human equality and prosperity Thus nobody is left out when fighting for there rights even in minorities like the poor or disabled. Though the brief enlightening era is long gone there are still a few enlightenment pioneers in the modern age who believe in human knowledge and prosperity without fear of authority but belief in human equality and prosperity, to this day the British still concerned with the affairs of politics and morality with intensity.(Burke, P. 66) Works Cited Burke, Peter. Popular Culture in Early Modern Europe. New York: Harper and Row, 1978. 23-67 Gregory Claeys: Utopias of the British Enlightenment, Cambridge Texts in the History of Political Thought: Cambridge University Press, 19 94 112-118 Roy Porter: The Creation of the Modern World: The Untold Story of the British Enlightenment: New York: Norton, 2000. 34-56

Life Support Essay

The issue of sustaining life by medical technology is complicated by uncertainty as to when death actually occurs. Is it when breathing ceases, the heart stops beating, or brain activity is no longer evident? Medical support can keep a body breathing after meaningful signs of human life have ceased. There are individuals who seemingly have died, only to be resuscitated within minutes of interrupted heartbeat or breathing. Some who have been so resuscitated and kept alive with life support have recovered and returned to live normal lives. Others have not. Questions arise in these instances: How long should one try to hold on to life, especially when suffering persists and the quality of life is at question? When is our appointed time to die? Although most people may think of ventilators when they hear the words â€Å"life support machine,† there are many other types of machines used to sustain one’s life. The type of life support machine used depends on the medical condition of the patient and the reasons for the use of life support machines. Patients with life threatening illnesses may make the choice to use life support machines while they are still of sound mind and capable of making their own decisions. There are four main types of life support machines. The first is a ventilator, which forces air into the lungs of a patient who cannot breathe on her own. The second type is a pacemaker which is used for those who have irregular heartbeats, or for those who suffer from an abnormality of the blood vessels. Next, there are dialysis machines, which are most commonly used for patients who suffer from renal (kidney) failure. A ventilator works by forcing warm, oxygenated air into the lungs while removing carbon dioxide. A plastic tube is inserted through the mouth and into the trachea, and is then hooked up to the ventilator which monitors every breath of the patient while regulating the air pressure at which the patient receives the air. Pacemakers are used most frequently for those who suffer from an irregular heartbeat or rhythm. They are surgically inserted below the skin, and emit electrical impulses that remind the heart to beat normally. Dialysis machines are used for both short and long term use, sometimes as a temporary measure to maintain the patient’s health until they can receive a kidney transplant or to prolong and provide a quality of life for people who are not transplant candidates. Hemodialysis is often used three times a week to help cleanse the blood and remove the build-up of deadly toxins. Hemodialysis machines work by removing the patients blood, running it through the machine to cleanse it, and then pumping it back into the patient. This process happens simultaneously with the use of a shunt. Life support machines enable patients to survive for a period of time while their body is recovering from a specific illness or injury. They benefit patients who only need them for a short time as well as people who are attempting to maintain quality of life for the long term. Life support machines are also beneficial in the event that the patient is deemed â€Å"brain dead. † In these circumstances, the organs continue to receive oxygen-rich blood flow to keep them functioning until they can be removed for transplantation. Many believe that life support machines are used only for those who are comatose or critically ill. They are however, also used for those who have a life threatening disease or injury, such as paralysis, who are attempting to maintain a normal life. A perfect example of this is Christopher Reeve. He relied on a ventilator to breathe for him a majority of the time, and before his death, was still able to lead a productive life. Many also believe that life support systems are used only in a hospital. Again, this is not true. The use of noninvasive ventilators are becoming more popular for those who wish to live at home. Patients who receive dialysis are able to reside at home while visiting a dialysis treatment center on scheduled days.

Free Essays on Disadvantages Of Being Single

Disadvantages of Being Single A single person has more disadvantages in life than a person in a relationship. Often it seem that every film, television program, and magazine is full of people in relationships. In a world that looks to be focused primarily on couples, a single person can regularly feel lonely and long for a significant other. When one is of single status, he does not have anyone to share his most intimate feelings, to hold him when he needs held, to show him affection , and various other activities a person in a relationship enjoys doing. Because of this absence, a feeling of solitude is felt by one who is not in a relationship. Some may say that he has friends he could rely on to make up for the emptiness that is felt, but in reality a friend can only do so much. Most activities are enjoyed more when done by two people. When a single person goes out to a party or another type of social gathering, he must face others who are in relationships and often will not be accepted in groups where couples are the priority. As a consequence, a single person seldom goes out as much as a person who is in a relationship. When a person is single, he usually has a shortage of money. There is only one income, whereas in a relationship there is usually two incomes to help support the household. A single person may also find himself spending money on trying to get a date or find someone he will be happy with for the rest of his life. Benefits from work and taxes are also limited to single people. Often discounts are offered when one takes out a family plan or has dependents, which saves a person considerably. A single person misses out on some of the benefits offered to a married individual. At one point or another in everyone’s life one must consider having a family. Families usually consist of a mother, father, and children. If a person is single, she doesn’t get the opportunity to have a family. The t... Free Essays on Disadvantages Of Being Single Free Essays on Disadvantages Of Being Single Disadvantages of Being Single A single person has more disadvantages in life than a person in a relationship. Often it seem that every film, television program, and magazine is full of people in relationships. In a world that looks to be focused primarily on couples, a single person can regularly feel lonely and long for a significant other. When one is of single status, he does not have anyone to share his most intimate feelings, to hold him when he needs held, to show him affection , and various other activities a person in a relationship enjoys doing. Because of this absence, a feeling of solitude is felt by one who is not in a relationship. Some may say that he has friends he could rely on to make up for the emptiness that is felt, but in reality a friend can only do so much. Most activities are enjoyed more when done by two people. When a single person goes out to a party or another type of social gathering, he must face others who are in relationships and often will not be accepted in groups where couples are the priority. As a consequence, a single person seldom goes out as much as a person who is in a relationship. When a person is single, he usually has a shortage of money. There is only one income, whereas in a relationship there is usually two incomes to help support the household. A single person may also find himself spending money on trying to get a date or find someone he will be happy with for the rest of his life. Benefits from work and taxes are also limited to single people. Often discounts are offered when one takes out a family plan or has dependents, which saves a person considerably. A single person misses out on some of the benefits offered to a married individual. At one point or another in everyone’s life one must consider having a family. Families usually consist of a mother, father, and children. If a person is single, she doesn’t get the opportunity to have a family. The t...

Average SAT Scores by State (Most Recent)

Average SAT Scores by State (Most Recent) SAT / ACT Prep Online Guides and Tips More than a million students across the country take the SAT each year. So what do SAT scores by state look like? How do you stack up against other test takers in your state? Finally, what are some interesting state facts- for example, which state has the highest SAT score? The lowest SAT score? The highest rate of participation? It's the battle of the states, SAT edition. Find out your state's average SAT scores and other fun facts in this article! What Is the National Average SAT Score? Before we get into the SAT averages by state, let's quickly go over the SAT scoring system as well as what the overall average SAT score in the US currently is. As you probably know, the SAT is made up of three sections: Reading, Writing and Language (also just called Writing), and Math. The Math section is scored on a scale of 200-800, while the Reading and Writing sections are combined to give you a final Evidence-Based Reading and Writing (EBRW) score on a scale of 200-800. By combining these two sections, we get atotal SAT score rangeof400-1600, with 1600 being a perfect score. Now that we've got this down, let's take a look the national average SAT score. In 2018, the College Board reported the following average SAT scores: Total: 1068 Evidence-Based Reading and Writing (EBRW): 536 Math: 531 As you can see, the average scores for EBRW and Math are quite close. These then add up to get a total SAT average score that's around the halfway point of the total score range (400-1600). But what are the average SAT scores by state? Keep reading to learn some interesting trends and to see the notable top spots held by different states! State SAT Awards We'll start with the states that have won our "State SAT Awards." The categories for these are as follows: Highest SAT Score Highest SAT Score With Over 20% Participation Team Players (100% Participation) Lowest SAT Score Most Variation Between SAT Sections All data below comes from the College Board's 2018 SAT state reports. Highest Score: Minnesota (SAT Score: 1298) Minnesota takes the cake for highest average SAT score with 1298. This is 230 points higher than the national average! But wait- Minnesota also has lower test participation than 78% of the US at 4%. In other words, just 2,464 seniors took the test in 2018. Because more students in Minnesota take the ACT than they do the SAT, Minnesota's high average SAT score likely means that only the most prepared, ambitious high schoolers take the SAT. These students tend to score higher, effectively raising the state's average. But what if we look instead at states with a significant participation rate- that is, a state in which more than 20% of students take the SAT? The winner for that SAT award is ... Highest Score With Over 20% Participation: Arizona (SAT Score: 49, with 29% Participation) Great achievement here! With more than 20,000 students in the class of 2018 taking the SAT here, Arizona is truly outperforming the national average. Team Players (100% Participation): Colorado, Connecticut, Delaware, Idaho, and Michigan In Colorado, Connecticut, Delaware, Idaho, and Michigan, every student took the SAT. This usually means that thesestates require all high school students to take the SATas part of normal high school testing. In addition, four other states- Illinois, Maine, New Hampshire, and Rhode Island- as well as the District of Columbiaoffered the SAT statewide during the 2017-18 school year. But because the testwasn't mandatory for all students in these states for the entire school year, participation rates here are below 100%. The highest participation rate for non-mandatory testing goes to Florida, at 97%. Lowest Score: District of Columbia (SAT Score: 977) Unfortunately, the District of Columbia underperforms the national average by more than 90 points. Also ranking at the bottom are other states with statewide SAT testing (Delaware and Idaho) as well as West Virginia, Puerto Rico, and the US Virgin Islands. From the data, it's reasonable to conclude that statewide testing causes lower scores because it includes all seniors andnot just those planning to apply to college. The lowest SAT score for a non-mandatory state is 1014 in Florida. While Florida is only in the top 18% of the country as far as participation goes (97% participation rate), it's important to point out that this is still a huge number of students, as the population of Florida is so large. In 2018, 147,058 students took the SAT in Florida. This number is much higher than the number of test takers in other states with comparable SAT participation rates, such as Rhode Island (97% participation rate, 10,161 students) and New Hampshire (96% participation rate, 14,834 students). So even though only 97% of students took the SAT in Florida, there's still plenty of room for variation within these nearly 150,000 students' scores. Most Variation Between Sections: Florida (520 Evidence-Based Reading and Writing, 497 Math) With a participation rate of 97%, Florida also has the greatest difference between SAT section scores of all states. On average, Florida students score 29 points higher on Evidence-Based Reading and Writing (EBRW) than they do on Math. Want to learn more about the SAT but tired of reading blog articles? Then you'll love our free, SAT prep livestreams. Designed and led by PrepScholar SAT experts, these live video events are a great resource for students and parents looking to learn more about the SAT and SAT prep. Click on the button below to register for one of our livestreams today! List of All Average State SAT Scores Here are the most recent average SAT scores for all 50 statesas well as the District of Columbia, Puerto Rico, and the US Virgin Islands. Find your area below and see how your SAT score compares with your region's average! State Participation Rate EBRW Math Total Alabama 6% 595 571 66 Alaska 43% 562 544 06 Arizona 29% 577 572 49 Arkansas 5% 592 576 69 California 60% 540 536 1076 Colorado 100% 519 506 1025 Connecticut 100% 535 519 1053 Delaware 100% 505 492 998 District of Columbia 92% 497 480 977 Florida 97% 522 493 1014 Georgia 70% 542 522 1064 Hawaii 56% 550 549 1099 Idaho 100% 508 493 1001 Illinois 99% 513 506 1019 Indiana 67% 546 539 1086 Iowa 3% 634 632 1265 Kansas 4% 633 631 1265 Kentucky 4% 630 618 1248 Louisiana 4% 615 595 1210 Maine 99% 512 501 1013 Maryland 76% 545 535 1080 Massachusetts 80% 562 563 25 Michigan 100% 5 499 10 Minnesota 4% 643 655 1298 Mississippi 3% 630 606 1236 Missouri 4% 633 629 1262 Montana 10% 606 592 1229 Nebraska 3% 629 623 1252 Nevada 23% 574 566 40 New Hampshire 96% 535 528 1063 New Jersey 82% 547 547 1094 New Mexico 16% 552 540 1093 New York 79% 534 534 1068 North Carolina 52% 554 543 1098 North Dakota 2% 640 643 1283 Ohio 18% 552 547 1099 Oklahoma 8% 541 521 1062 Oregon 48% 564 553 17 Pennsylvania 70% 547 539 1086 Puerto Rico - 512 481 993 Rhode Island 97% 513 505 1018 South Carolina 55% 547 523 1070 South Dakota 3% 622 618 1241 Tennessee 6% 624 607 1231 Texas 66% 520 512 1032 Utah 4% 618 612 1230 Vermont 64% 565 554 20 Virgin Islands - 490 445 935 Virginia 68% 567 550 17 Washington 69% 543 538 1082 West Virginia 28% 513 486 999 Wisconsin 3% 641 653 1294 Wyoming 3% 633 635 1257 Source: The College Board What's Next? Confused about SAT scoring? Learn more about how the SAT is scored,and get tips onhow to figure out your SAT goal score based on the schools you're applying to. Wondering what it takes to get a perfect SAT score? I scored a perfect SAT scoreand wrote a detailed guide about what it takes here.Read this to learn all of my best strategies- and to get a 1600 on test day! If you liked this post, make sure youscroll up and subscribe on the right hand sideso you can stay up-to-date with our SAT/ACT articles! Disappointed with your scores? Want to improve your SAT score by 160 points?We've written a guide about the top 5 strategies you must be using to have a shot at improving your score. Download it for free now:

Battle of Champion Hill in the American Civil War

Battle of Champion Hill in the American Civil War   Battle of Champion Hill - Conflict Date: The Battle of Champion Hill was fought May 16, 1863, during the American Civil War (1861-1865). Armies Commanders: Union Major General Ulysses S. Grant32,000 men Confederates Lieutenant General John C. Pemberton22,000 men Battle of Champion Hill - Background: In late 1862, Major General Ulysses S. Grant commenced efforts to capture the key Confederate fortress of Vicksburg, MS. Situated high on the bluffs above the Mississippi River, the town was critical to controlling the river below. After encountering numerous difficulties in approaching Vicksburg, Grant elected to move south through Louisiana and cross the river below the town. He was assisted in this plan by Rear Admiral David D. Porters flotilla of gunboats. On April 30, 1863, Grants Army of the Tennessee began moving across the Mississippi at Bruinsburg, MS. Brushing aside Confederate forces at Port Gibson, Grant drove inland. With Union troops to the south, the Confederate commander at Vicksburg, Lieutenant General John Pemberton, began organizing a defense outside of the city and calling for reinforcements from General Joseph E. Johnston. The majority of these were sent to Jackson, MS though their travel to the city was slowed by damage inflicted to the railroads by Colonel Benjamin Griersons cavalry raid in April. With Grant pushing northeast, Pemberton anticipated that  Union troops  would drive directly on Vicksburg and began withdrawing back towards the city. Able to keep the enemy off balance, Grant instead attacked towards  Jackson with the goal of  cutting the Southern Railroad which connected the two cities. Covering his left flank with the  Big Black River, Grant pressed ahead with Major General James B. McPhersons XVII Corps on the right and issued orders for it  to proceed through Raymond to strike the railroad at Bolton. To McPhersons left, Major General John McClernands XIII Corps was to sever the Southern at Edwards while Major General William T. Shermans XV Corps was to attack between Edwards and Bolton at Midway (Map). On May 12, McPherson defeated some of the reinforcements from Jackson at the Battle of Raymond. Two days later, Sherman drove Johnstons men from Jackson and captured the city.   Retreating, Johnston instructed Pemberton to attack Grants rear. Believing this plan to  be  too dangerous and that it risked leaving Vicksburg uncovered, he instead marched against Union supply trains moving between Grand Gulf  and Raymond.   Johnston reiterated his order on May 16 leading Pemberton to plan a countermarch northeast  towards Clinton.  Ã‚  Having cleared his rear, Grant turned west to deal with Pemberton and begin the drive against  Vicksburg.   This saw McPherson  advance in the north, McClernand in the south,  while Sherman, having completed operations at  Jackson, brought  up the rear. Battle of Champion Hill - Contact:   As Pemberton contemplated his orders on the morning of May 16, his army was strung out along the Ratliff Road from its intersection with the Jackson and Middle Roads south to where it crossed the Raymond Road.   This saw Major General Carter Stevensons division  at the northern end of the line, Brigadier General John S. Bowens in the middle, and Major General William Lorings in the south.   Early in the day, Confederate cavalry encountered Union pickets from Brigadier General A.J. Smiths division from McClernands XIII Corps near a roadblock Loring had  erected on the Raymond Road.   Learning of this, Pemberton instructed Loring to hold off the enemy while the army commenced its march towards Clinton (Map). Hearing the firing, Brigadier General Stephen D. Lee of Stevensons division, became concerned about a potential threat up the Jackson Road to the northeast.   Sending forward scouts, he deployed his brigade on nearby Champion Hill as a precaution.   Shortly  after assuming this position, Union forces were spotted advancing down the road.   These were  the men of Brigadier General Alvin P. Hoveys Division, XIII Corps.   Seeing the danger, Lee  informed Stevenson who dispatched Brigadier General Alfred Cummings brigade to  form on Lees right.   To the south,  Loring formed his  division behind Jackson Creek and turned back an initial attack by Smiths division.   This done, he assumed a stronger position on a ridge near the Coker House. Battle of Champion Hill - Ebb and Flow: Reaching the Champion House, Hovey spotted the Confederates on his front.   Sending forward the brigades of Brigadier General George McInnis and Colonel James Slack, his forces began engaging Stevensons division.   Slightly to the south, a third Union column, led by Brigadier General Peter Osterhaus XIII Corps division approached the field on the  Middle Road  but halted when it encountered a Confederate roadblock.   As Hoveys men prepared to attack, they were reinforced by Major General John A. Logans Division from XVII Corps.   Forming on Hoveys right, Logans men were moving into position when Grant arrived around 10:30 AM.   Ordering Hoveys men to attack, the two brigades began advancing.   Seeing that Stevensons left flank was in the air, Logan directed Brigadier General John D. Stevensons brigade to strike this area.   The Confederate position was saved as Stevenson rushed Brigadier General Seth Bartons men to the left.   Barely arriving in time, they succeed ed covering the Confederate flank (Map). Slamming into Stevensons lines, McInnis and Slacks men began push the Confederates back.   With situation deteriorating, Pemberton directed Bowen and Loring to bring up their divisions.   As time passed and no troops appeared, a concerned  Pemberton began riding south and rushed forward Colonel Francis Cockrell and Brigadier General Martin Greens brigades from Bowens Division.   Arriving on Stevensons right, they struck Hoveys men and began driving them back  over Champion Hill.   In a desperate situation, Hoveys men were saved by the arrival of Colonel George B. Boomers  brigade of  Brigadier General Marcellus Crockers division  which helped stabilize their line.   As the rest of Crockers division, the brigades of Colonels Samuel A. Holmes and John B. Sanborn, joined the fray, Hovey rallied his men and the combined force counterattacked. Battle of Champion Hill -  Victory Achieved: As the line in the north began to waver, Pemberton became increasingly irate at Lorings inaction.   Possessing a deep personal dislike of Pemberton, Loring had realigned his division but had done nothing to shift men toward the fighting.   Committing Logans men to fight, Grant began to overwhelm Stevensons position.   The Confederate right broke first and was followed by Lees men.   Storming forward, Union forces captured the entire 46th Alabama.   To further worsen Pembertons situation, Osterhaus renewed his advance on the Middle Road.   Livid, the Confederate commander rode off in search of Loring.   Encountering Brigadier General Abraham Bufords brigade, he rushed it forward. As he returned to his headquarters, Pemberton learned that Stevenson and Bowens lines had been shattered.   Seeing no alternative, he ordered a general retreat south to the Raymond Road and west to a bridge over Bakers Creek.   While beaten troops flowed southwest, Smiths artillery opened on Brigadier General Lloyd Tilghmans brigade which was still  blocking the Raymond Road.   In the exchange, the  Confederate commander was killed.   Retreating to  Raymond Road, Lorings men  attempted to follow Stevenson and Bowens divisions over the Bakers Creek Bridge.   They were prevented from doing  so by Union brigade that had crossed upstream and had turned south in an attempt to cut off the Confederate retreat.   As a result, Lorings Division moved south before circling around Grant to reach Jackson.   Fleeing the field, Stevenson and Bowens divisions made for defenses along the Big Black River. Battle of Champion Hill - Aftermath: The bloodiest engagement of the campaign to reach Vicksburg, the Battle of Champion Hill saw Grant suffer 410 killed, 1,844 wounded, and 187 missing/captured while Pemberton incurred 381 killed, 1,018 wounded, and 2,441 missing/captured.   A key moment in the  Vicksburg Campaign, the victory ensured that Pemberton and Johnston would not be able to unite.  Ã‚  Forced  to  begin falling back towards the city, Pemberton and Vicksburgs fate were essentially sealed.   Conversely, having been defeated, Pemberton  and Johnston failed to  isolate Grant in central  Mississippi, cut off his supply lines to the river, and win a key victory for the Confederacy.  Ã‚  In the wake of the battle, Grant was critical of McClernands inaction.  Ã‚  He firmly believed that had XIII Corps attacked with vigor, Pembertons army could have been destroyed and the  Siege of Vicksburg avoided.   After spending the night at Champion Hill,  Grant continued his pursuit the next day and w on another victory at the Battle of Big Black River  Bridge.    Selected Sources: Civil War Trust: Battle of Champion HillBattle of Champion HillCWSAC Battle Summaries: Battle of Champion Hill

Computer literacy Essay Example | Topics and Well Written Essays - 1250 words

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Is Communism Considered To Be Evil Essay Example | Topics and Well Written Essays - 1750 words

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Business week 4 - Essay Example Secondly, another problem in communication flow is the employee unwillingness to communicate and share information. In many organizations employees are hesitant in communicating with each other because of the perception that everyone is out there to get each other and they do not trust each other. To address this issue I will have to create an air of confidence and mutual trust in the organization. Trust can come through friendship so the above activity can be followed here in this context. Other than that seniors in the company should encourage free sharing of information. Another problem in the communication flow is when the message does not reach the intended user and therefore does not serve its purpose. Therefore messages must be careful targeted towards specific people in an organization. Lastly, communication should never be always in one direction. When an excessive one directional conversation takes place employees lose interest and motivation. Therefore I will try to encourage feedback as to involve people in the activities of the firm. This is a form of communication whereby the long term objectives of the organization are kept in mind and communication designed accordingly. It is done keeping a vision in mind. Goal setting and anxiety management would be more important areas for me. As a leader the goal setting part would be very important for me. This is because when goals do not exist , there is no direction. A lack of direction not only affects the organization but also brings down the employee morale. Anxiety management is also an important issue because it comprises dealing with stressful situations and working under pressures. Things in companies will not always be leisurely and peacefully, therefore anxiety management would work for the employees. (Robert, 1999) Diversity is an important issue today. This is because of increased globalization. Many companies today have huge differences in their workforce

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Cultural Identity paper Essay Example | Topics and Well Written Essays - 1000 words

Cultural Identity paper - Essay Example However, when you are a part of the majority, there is not a small community of people who share your culture. Rather, the community of people who share your culture is the larger part of the citizenry, and this makes life more isolated than if I was a part of a minority. Moreover, it seems that these individuals in the minority communities have more of a cultural identity, and this cultural identity is kept within the community, learned within the community, and spread through the community due to the tight-knit nature of their community. On the other hand, when you are part of the dominant culture, there is not the same tight knit community, so it seems to be easier to lose one’s ethnic or cultural identity. This is in contrast, to say, the Masai, which is a tribe in Africa that have consciously rejected Western values and beliefs. They are a further example of the tight-knit community in which the individuals within the community share a commonality of beliefs, values, and a history. For instance, the beliefs that are generally passed on from one generation to the next is the value of having large, strong, families; the value of elders, who are believed to be the wisest of all tribe members; and a patriarchal hierarchy that is a source of pride (Samovar & Porter, 2000, p. 92). The world view and perceptions of the world are colored by their membership in the tribe, which means that they value nature to the point where they will not kill wild animals unless they pose a threat or there is a severe drought; they observe a specific religion with a god with two distinct personalities – benevolence and lightning; and how they deal with death – they leave the bodies of the deceased out for the wild animals to eat, because they feel that they are essentially returning the person to nature. Where, in Western cultures, that last belief, especially, would seem abhorrent and disrespectful, because we bury our dead, for the Masai, this is the way tha t it is done and they do not mean disrespect at all (Samovar & Porter, 2000, p. 92). So, the Masai is an excellent example of a close-knit group that transmits culture, and this is the kind of group that I do not feel that I belong. It was therefore difficult for me to apply my situation to the readings that are in this course. This is because the key aspects of my identity are not necessarily derived from my cultural status. The origins of my family are Germanic, but my family has been living in America for a number of generations, therefore the Germanic identity has been replaced by that of being an assimilated American, and this has been the case for many generations. And, since American is such a large country, with many different customs and is essentially a melting pot, it is difficult to describe how being an American affects my perceptions and so forth. As one of the major parts of our reading states that one’s culture affects how one sees the world (Samovar & Porter, 2001, p. 91) – for instance, a Japanese person will see a person being brash and bold, and find that person disrespectful, where a Navajo person will see that same person as being self-centered and mischievous (Samovan & Porter, 2001, p. 54) – it is difficult to discern exactly how my culture relates to the different parts of the reading. So, the easiest way to approach this

FINANCIAL REPORTING & MANAGEMENT ACCOUNTING Case Study

FINANCIAL REPORTING & MANAGEMENT ACCOUNTING - Case Study Example From there, they gained a contract from IBM and in 1985, they both partnered in the development of the OS/2 operating system. That same year, her first retail version of Microsoft Windows came out and in 1986 they went public with an initial price of $21 per share, closing the day in $28. Today, Microsoft Corporation stands as the worldwide leader in software, services and varied ideas and solutions that helps not only businesses but broadens and makes knowledge easier. They have as their registered trademarks today, MS-DOS, .NET, office XP, 2007 office system, windows server, and windows versions like, 3.0, 95, 98, 2000, XP and Vista. As of August 2007, the corporation had a total real estate portfolio of 24,166,129square feet (in 565 sites) of which 13,918,070 were leased (in 482 sites) and 10,248,059 were owned (in 83 sites). Microsoft had a higher profit margin in 2003 which witnessed a sharp drop in 2004. This went up again in 2005 but after that period, it has been dropping yearly. However her return on assets which also dropped in 2004 is increasing from 2005 on a yearly basis. But, the increase on Microsoft's return on equity after her drop from 2003/2004 is very great. Her basic earning power too has improved greatly. The receivable turnover of Microsoft has been somewhat reducing which denotes the fact that she gives out more free ride to its customers. This turnover should increase and thus an increase in physical cash. This poor receivable turnover is also realized when we take a proper look into the day's sales outstanding. It's on the increase which is not good for the corporation. Inventory turnover too is dropping which is bad whereas both fixed asset turnover and total asset turnover are slightly increasing. In all, Microsoft is not managing her assets properly and greater care must be placed on this issue. Exhibit A-2: Asset Utilization Ratios Asset Management 2003 2004 2005 2006 2007 Receivable Turnover 6.19 6.25 5.54 4.75 4.51 DSO 58.92 58.36 65.87 76.79 80.95 Inventory Turnover 50.29 87.49 81.03 29.96 45.36 FA Turnover 1.56 1.69 1.80 2.15 2.22 TFA Turnover 0.40 0.40 0.56 0.64 0.81 Liquidity Any company's liquidity position is determined by comparing assets to liabilities; current liquidity considers current assets and current liabilities only. The Quick Ratio is similar to Current except that it carves out inventories. Microsoft has a very bad liquidity situation when we look on the two tests and this denotes the fact that, they have a weaker position to handle short-term obligations. Exhibit A-3: Liquidity Ratios Liquidity 2003 2004 2005 2006 2007 Current Ratio 4.22 4.71 2.89 2.18 1.69 Acid Test/ Quick ratio 4.17 4.69 2.86 2.12 1.64 Debt Utilization Having her debt ratio together with her times interest earned going up denotes the fact that this corporation is very risky as the years go by. But, as they carry more debt, they have a better coverage of debt as their EBITDA coverage reduces, thus their interest payments are well

Cultural Identity paper Essay Example | Topics and Well Written Essays - 1000 words

Cultural Identity paper - Essay Example However, when you are a part of the majority, there is not a small community of people who share your culture. Rather, the community of people who share your culture is the larger part of the citizenry, and this makes life more isolated than if I was a part of a minority. Moreover, it seems that these individuals in the minority communities have more of a cultural identity, and this cultural identity is kept within the community, learned within the community, and spread through the community due to the tight-knit nature of their community. On the other hand, when you are part of the dominant culture, there is not the same tight knit community, so it seems to be easier to lose one’s ethnic or cultural identity. This is in contrast, to say, the Masai, which is a tribe in Africa that have consciously rejected Western values and beliefs. They are a further example of the tight-knit community in which the individuals within the community share a commonality of beliefs, values, and a history. For instance, the beliefs that are generally passed on from one generation to the next is the value of having large, strong, families; the value of elders, who are believed to be the wisest of all tribe members; and a patriarchal hierarchy that is a source of pride (Samovar & Porter, 2000, p. 92). The world view and perceptions of the world are colored by their membership in the tribe, which means that they value nature to the point where they will not kill wild animals unless they pose a threat or there is a severe drought; they observe a specific religion with a god with two distinct personalities – benevolence and lightning; and how they deal with death – they leave the bodies of the deceased out for the wild animals to eat, because they feel that they are essentially returning the person to nature. Where, in Western cultures, that last belief, especially, would seem abhorrent and disrespectful, because we bury our dead, for the Masai, this is the way tha t it is done and they do not mean disrespect at all (Samovar & Porter, 2000, p. 92). So, the Masai is an excellent example of a close-knit group that transmits culture, and this is the kind of group that I do not feel that I belong. It was therefore difficult for me to apply my situation to the readings that are in this course. This is because the key aspects of my identity are not necessarily derived from my cultural status. The origins of my family are Germanic, but my family has been living in America for a number of generations, therefore the Germanic identity has been replaced by that of being an assimilated American, and this has been the case for many generations. And, since American is such a large country, with many different customs and is essentially a melting pot, it is difficult to describe how being an American affects my perceptions and so forth. As one of the major parts of our reading states that one’s culture affects how one sees the world (Samovar & Porter, 2001, p. 91) – for instance, a Japanese person will see a person being brash and bold, and find that person disrespectful, where a Navajo person will see that same person as being self-centered and mischievous (Samovan & Porter, 2001, p. 54) – it is difficult to discern exactly how my culture relates to the different parts of the reading. So, the easiest way to approach this

Company Represantative Resume Example Essay Example for Free

Company Represantative Resume Example Essay This letter is to express my interest in bringing my expertise as an Educator and Counselor to your institution.   I possess strong communication skills and have a passion promoting a positive school environment. As you can gather from my attached resume, I have contributed to the personal and academic growth of Elementary students while working for the New York Department of Education.   I earned my Masters Degree in English as a Second Language and am currently pursuing my Masters Degree in School Counseling.    I believe in maintaining a professional demeanor and resolving conflicts in a diplomatic and courteous manner.   I am committed to helping students with disciplinary problems through utilizing effective classroom management techniques in cooperation with parents and school administrators. In addition to the skills noted on my attached resume, I can also offer your organization: An ability to analyze a complex problem and implement a practical solution. Superior presentation and interpersonal communication skills with effective writing skills. Self-motivated professional with experience in helping students attain their academic goals. Excellent analytical skills with an ability to develop comprehensive reports. It is my hope that my education and professional experience will convey to you that I have the qualifications to make a valuable contribution as a School Counselor at any institution.   Should you have any questions, I can be reached at the number listed above.

Company Contract: Constitutions and Director Role

Company Contract: Constitutions and Director Role Question 1. Is the contract enforceable against Beanstalk Ltd owing to the fact that Jack did not have the capacity to enter into that kind of contract? Employees of a company have a clear mandate on their powers and this are usually spelt out in the in the articles and memorandum of association of a given company. The corporation act has come in handy to address this scenario. Section 124 dwells on the powers of the company and its legal status. Sec 124 (2) provides that a company legal capacity to do a particular thing is not affected by the fact that the company interests are not served by doing it. Section 125 of the CA is to the effect that a company constitution may have an express restriction on the way a company may exercise its powers. Suffice to note that the exercise of a power by the company is not invalid merely because it is contrary to an express restriction or prohibition in the company’s constitution. Subsection 2 is to the effect that an act done by the company is not invalid merely because it is contrary to or beyond any objects in the company’s constitution. Sec 126 is to the effect that an agent appointed by the company and he has the power to make, vary, ratify or discharge a contract. The person may be exercising express or implied authority and on behalf of the company. The power may be exercised without using a common seal. The court always takes the view that the duty to act in good faith in the best interests of the company means that the directors must act in the interests of the shareholders as a collective group as illustrated in the Greenhalgh v Arderne Cinemas Ltd[1]. In addition to the above sections, section 128 entitles one to make assumptions in section129 in relation to dealings with a company. The company is not entitled to assert in proceedings in relation to the dealings that any of the assumptions are incorrect. Section 130 on the other hand is to the effect that a person is not taken to have information about a company merely because the information is available to the public from ASIC. Section 128(4) is to the effect that a person is not entitled to make an assumption in section129 if at the time of the dealings they knew or suspected that the assumption was incorrect. Section 129(b) details the presumption in section 128. Section 129(2)(b) is to the effect that one may assume that a director has authority to exercise the powers and perform the duties customarily exercised or performed by a director or company secretary of a similar company. In our case scenario Beanstalk is obligated to pay even if Jack surpassed his powers unless they can prove that Giant ltd were aware of the limitations imposed on jack and they disregarded them. The Beanstalk constitution was available in the public record and Giant ltd had an obligation of knowing and complying with the con tents Section 130 of the CA serves to address the issue of notice on the limitations imposed on the directors or agents of the company. It provides that the company cannot escape liability on the premise that the person dealing with the company should have been aware of the limitations. The two Sections just before section 130 are of the following effect: Section 128(4) is to the effect that a person is not entitled to make an assumption in section129 if at the time of the dealings they knew or suspected that the assumption was incorrect. Section 129(b) details the presumption in section 128. Section 129(2)(b) is to the effect that one may assume that a director has authority to exercise the powers and perform the duties customarily exercised or performed by a director or company secretary of a similar company. One also need to look at the organic theory which states that where the agents of the company acts within the boundary of powers conferred to them by the company constitution or replaceable rules, then they are deemed as being the company itself as was illustrated in Northside Developments Pty Ltd v Registrar-General[2]. But this may always turn out not to be true as was espoused in the case of Smorgon v Australia and New Zealand Banking Group Ltd[3], where it was observed that such an act requires the attribution of mental states to corporations Company’s legal capacity At common law the company could only enter into legal obligations only if its’ constitution so authorizes. Any part to the contract was deemed to be aware of any restrictions contained in the constitution of the company. Capacity is catered for under Corporations Act 2001. Section 124 accords the company the same legal capacity as an individual and this encompasses power to make an agreement. S 125is to the effect that performance of an act including entry into an agreement by the company will not be invalidated merely on the premise that its beyond the power of the company’s constitution. Thus Giant limited will not be stopped from staking it claims of payments merely because Beanstalk limited had made it constitution public as provided for under s125. Section 128 and 129 are to the effect that where one enters into any dealing with the company on the belief that he is dealing with the right person, then the company will have to honor its obligations. Thus despite the constitution being made public, section 129 and 130 states that the company is still bound by the acts of it officers who are duly appointed to carry out such a task. Thus beanstalk will have to prove that despite Giant ltd being aware of the limitations, they violated what was in the public domain. Question Two Pan Ltd is a company without a constitution. At a members meeting five items of business were passed as special resolutions and placed in a new constitution of the company. These were: that dividends can only be paid if they have been recommended by the directors and declared by the members; Dividends Dividends are the payments made out to shareholders when the company is a going concern and if the directors have approved such payments. They can only be paid if the company assets are sufficiently in excess of its liabilities immediately the dividend is declared and if the dividend is fair and reasonable to the company shareholders as a whole and this does not prejudice the company ability to pay its creditors. This is governed by sections 254T and 254U. (b) That the transfer of shares in the company requires the approval of the directors; Transfer of shares A shareholder in a company who wants to terminate his relationship with the company may decide to offload his shares by way of sale. The shareholder may encounter some difficulties if he wants to sell the shares to an outsider of the company. Some of the difficulties which may arise under the replaceable rules are: The directors have the discretion to refuse to transfer the shares and There might a restriction in the company constitution (if any) on shares transfers. Sections 707. Section 140(2) stipulates that a member may refuse to be bound by modifications after becoming a member if such a modification imposes or increases restrictions on the right to transfer the shares already held by the member, unless the modification is made: or (i) in connection with the company’s change from a public company to a proprietary company under Part2B.7; or (ii) to insert proportional takeover approval provisions into the company’s constitution. Thus the discretion of shares transfer lies with the directors unless a contrary intention as envisaged in section 140 (2) is adduced. that Wendy Weird be a director of the company for life; The CA doesn’t set the specific time for retirement of directors. One can only fail to serve as a director under the circumstances contemplated in Part 2D 3 of the CA. this can be removed by members through the annual general meeting, through resignation or incapacity. To this end one can be a director for life. Those directors of the company are to be appointed by Wendy Weird; A director may appoint another director under section 201 H (replaceable rule—see section135). A person can be appointed as a director with a view of the company establishing the requisite quorum for a directors meeting. Section 201J provides that the directors of a company may appoint 1 or more of themselves to the office of managing director of the company for the period, and on the terms (including as to remuneration), as the directors see fit. To this end Wendy can be appointed under the conditions envisaged in the above sections. That the directors may issue the company’s shares only with the approval of the members. Directors have the powers to issue new shares as provided for under section 254D. Before issuance of new shares of a given class, the directors of a proprietary company must offer them to the existing shareholders of that class. The directors must give the shareholders a statement setting out the terms of the offer. Question Three In order to obtain the funds necessary to expand its business Growth Ltd is to make a $M20 share issue. Advise the directors of Growth Ltd over the following matters. REQUIRED: Can the funds be raised from existing members or anyone else without a prospectus? (2 marks) There are several ways of raising funds by companies in Australia. Public companies (i.e. those with more than 50 non-employee shareholders) can raise funds from the general public by issuing securities. Private companies (ie proprietary limited companies that have no more than 50 non-employee shareholders) on the other hand can raise funds: From existing shareholders and employees of the company or a subsidiary company, and from the general public if the fundraising does not require a disclosure document. Section 708 is to the effect that any personal offers of a body of securities do not require disclosure to the investors. But this doesn’t apply to offers which might amount to indirect issue. Vital documents one is supposed to give potential investors when raising funds? As a general rule of procedure, if a public company is desirous of raising capital or offering securities for sale (for example shares or debentures) a disclosure document must be availed to the potential investors. This is document whose main purpose is to describe all regulated fundraising documents for the issue of securities (for example shares or debentures). All companies which are allowed to raise funds can use a prospectus. A company also relies on an offer information statement or a profile statement and this is informed by the type of fundraising one intends to carry out and whether the restrictions imposed by virtue of using these documents are satisfied. Offer information statements An offer information statement (OIS) has in it a lower threshold for disclosure but can only be used for fundraising up to $10 million. If the company intends to use an OIS then it is required to include a copy of an audited financial report with a balance date within the last six months. Profile statements This is a document which sets out limited key information in relation to the company and the offer. This kind of statements can only be relied upon if ASIC has approved their use. To this end a company can raise funds from without reliance on the prospectus. In summary, a disclosure document is not required when: an offer is a personal offer, and if: offers or invitations have been made to fewer than 20 persons in the previous 12 months, and the new offer will not result in more than $2 million being raised in that 12 months; Note: you must not advertise the offer when you rely on this exemption the offers are made to specified people who are presumed not to need disclosure because of their financial capacity, experience, or wholesale status; the offers are made to current holders of the securities; no money or other form of payment is payable for the securities; other disclosure regimes under the Corporations Act apply (i.e. takeovers, schemes of arrangement); The offer is made by certain types of financial institutions. Will the directors be safe from prosecution if they provide to investors in a prospectus everything they know that is relevant about the investment? (2 marks) The Corporations Act does not detail out everything that ought to be included in the prospectus. But section 710 is to the effect that a prospectus must contain all information that the investors (and their professional advisers) would reasonably require, and reasonably expect to find in the prospectus. This information should be availed so that the investors can make an informed assessment of material matters relating to the company and these do include: †¢ The assets and liabilities, financial position, profits and losses and prospects of the company. †¢ The rights attaching to the securities being offered. Some other information such as terms and conditions of the offer, disclosure of certain payments made to the directors and advisers in connection with the IPO and the expiry date of the prospectus must be contained in the prospectus. To this end the directors will be immune from prosecution as they will not have breached any requirement bestowed on them. If the company issues a prospectus and the directors then become aware that there is a false and misleading statement in it, what alternatives are available to them under the CA? (3 marks) Where a company directors have become aware of a false or misleading statement in the prospectus which has already been issued to the public, the can petition the ASIC to issue Stop Orders. Though these are the preserve of the ASIC to issue this can be sought so that the issues can be rectified on time. Stop orders: what they are and when we will issue one section 719 A stop order is an administrative mechanism that allows ASIC to prevent offers being made under a disclosure document where we believe it contains: a misleading or deceptive statement an omission of information required to be provided under the legislation, or a new circumstance has arisen since the disclosure document was lodged. Where a stop order is issued on a disclosure document, then the company is not allowed to offer, issue, sell or transfer its shares while that order is in force. An interim stop order may be sought for up to 21 days during which time the company will be accorded a hearing to put across its views to an independent delegate. It’s after the hearing that the interim stop order may be lifted or a final stop order on the disclosure document may issue. . Does the CA provide any protection for directors where funds are raised under a prospectus that contains a misleading statement? (3 marks) The liability for directors under corporation falls under section 1308, which provides inter alia that misleading misstatements amounts to a crime and such an offence, is one of strict liability. The CA offers protection to directors by availing the following defences. There are a range of defences available to potential civil and criminal liability, some of which include: †¢ The ‘due diligence defence’, that is, that the person has made all enquiries which were reasonable in the circumstances and having made these enquiries, they believed on reasonable grounds that a statement was not misleading or deceptive or that there was not a material omission from the prospectus. †¢ Where a new circumstance has arisen and it can be established that the person was not aware of the new matter. †¢ Establishing that the person reasonably relied on information provided by someone outside the company, such as a professional adviser, for statements contained in the prospectus But the director should not conceal such information when it comes to his attention. [1] [1946] 1 All ER 512 (CA) [2] (1990) 170 CLR 146 [3] [1976] HCA 53 Is Globalisation A Threat Or An Opportunity? Is Globalisation A Threat Or An Opportunity? Is globalisation a threat or an opportunity for business? The key objective for any business organisation is to maximise profit, if a manufacturing or service industry in any country is progressive in their field of practice, there maybe a need for them to invest or open other subsidiary operation in other country where there is a rising demand for their goods or services Sloma (2004). Furthermore, (Post et al, 1999:146) states that globalisation consist of assembling goods from components produced in several nations, buying of raw materials from overseas suppliers or selling finished goods or services to customers in other countries, also (BBC, 2011) defines globalisation as the involvement of the world becoming highly interconnected as a result of increased cultural and trade exchange. Therefore this essay would explain the cause/effect, opportunities and threat of globalisation on businesses. The main causes of globalization may; trade liberalisation, transportation, and communication (Bhagwati et al, 1983). In trade liberalisation, legislation reducing trade and foreign direct investment have been relaxed. Some governments offer tax incentives to persuade overseas companies to invest in their country, this maybe linked to what is known as free trade (BBC, 2011). Transportation is relatively becoming cheaper, fast and easy to access. People travel for holiday, business, migrate and emigrate from one country to another. Businesses organisations can ship goods and raw materials between countries more easily making goods and services from all over the world available to consumers. While communication, the internet, telephony and the television have paved way for free flow of information and ideas. Outsourcing is a example these, thus a businesses organisation in a country can have a call centre in another country answering calls from customers of the main country. One of the main effect of globalization is inequality, this refers to the income disparity that exist between countries across the world. It maybe argued that globalisation contributes in creating more wealth in developed countries, thus it does not help to close the gap between the worlds richest nations and the worlds poorest King King (2005:199). The internet can be viewed as an opportunity of globalization for businesses. The internet can also be seen as a gateway to participate in the game of globalization (BBC, 2010). Through the Internet, business organisations have been able to go beyond borders, to reach their end customers with their goods or services, thus this could be referred to e-commerce. Communications can be made quickly and easily to any anywhere in the world, but at the same time businesses are exposed to big competition, Holton (1998). There are millions of websites on the Internet, despite the seemingly easy participation, the reality of the Internet can be seen as oligopoly, Sloman (2004). Furthermore, with the internet playing a roll in globalization. It may be good for a business organisation to have access to anyone anywhere in the world, but it also exposes the business to competition. In the internet competition, winners are very few, which creates a big gap between the large and small business. Howev er, there are still opportunities for small business in the world of globalization. This could be; the variety of cultures, languages, social systems and customs, etc. Take the differences of language for illustrative example. Your website may not be seen by customers if it is only in English. Actually, many web pages in the Internet are written in English. However, the business should know there are many languages in the world. If a business website has a page in a different languages, their competitors may be reduced. Another key opportunity for business, is the transfer of technological advancement and knowledge in globalisation. Corsi (2000) points out that this has led to growth in innovation and better techniques of production to business. The main result of this is the growing income and appreciation of the companys economic achievement. Foreign migrants coming to work in multinational companies contribute to the knowledge of developing businesses thus which makes the business more efficient. Economic policies, management techniques and Increased knowledge about production methods present invaluable inputs in small businesses (SME) King King (2005). In globalization there are opportunities of cheap labour for business organisations, thus Jennifer (2005) argues that developing nations are encouraged to open their economies to international trade, with the aim that free trade would bring development and prosperity. Opening its economy to international trade does not translate to economic development and instant prosperity for developing countries, but rather it signifies the exposure of the developing economy to multi-national corporations and foreign direct investors, many of which seek to expand their operations in developing economies because of the cheap labour available in these economies. Growing portions of these cheap labour sources consist of women and MNCs have been accused of intentionally hiring economically and poor educated deprived women to reduce labour costs. With cheap labour a clothing company in the UK can sell a shirt for  £60 that cost less than 10 pence in labour to produce. While globalisation may be seen as an opportunity for big businesses, it can also be argued to be a threat to big and small businesses (SME). Carper (2010) argues that energy and transportation costs increases when jobs are outsourced, as big businesses revise their business strategy and produce goods overseas. Customer service often decreases as companies pay for their goods to be transported from a foreign warehouse to their before being dispatched to the customer. Call centers, are also affected by globalization, as its being flooded with clerks who do not speak fluent English. As energy use increases, domestic supply costs increase as more businesses compete for natural resources. Intergovernmental relations between two countries can have an influence on multinational corporations. For example, If two countries are are war, there will be no trade between them. Furthermore, business operations may be influenced by the political ties of host and home country governments even when there is no war. The United States and Japan have had an important, but difficult, relationship since the end of World War 2. The United States helped rebuild Japans steel, auto industries and shipbuilding , and by the 1970s Japans productivity had increased massively. It used its efficiencies to export steel, automobiles, and semi-conducts to the big U.S. Market. The United States has shifting political relations with Great Britain, China, Russia and Brazil, and many other nations. Economic relations are affected, for better or worse, by political change, and national political priorities shape business relations. The United States, for example, banned U.S. Manufacturing industries fro m selling military products to countries that government agencies believe may be a threat U.S. Security; it restricts high technology exports; and it has banned U.S. Companies from doing business dealings in Cuba (Post et al, 1999:159). Increased Competition is another main concern, as it is threat to domestic businesses. Government of developing countries are faced with this problem as they look to export more and import less to increase the countrys GDP. Globalisation threaten domestic companies as domestic businesses have to compete with foreign business organisation, they are forced to raise their customer satisfaction levels and standards in order to survive in the market. In addition, In developing countries, this is disturbing for domestic companies as they are unable to contend with foreign companies as they are too dependent on the government for funds and therefore lack competitive edge. And also, this is were the government moves in to protect small companies by creating trade barriers and imposing tariffs on imported products. Protectionism does not apply to only developing countries but also developed countries also have the highest trading restrains, Borkakoti (1998). In conclusion, it appears to the author, based on what this essay talks about to point out that globalisation can be an opportunity also a threat to large and small business. Furthermore, globalization has played a big role in the movement of goods and service, making resources available to consumer, it may be argued that globalisation has created global expansion for big business as it has paved the way for small domestic businesses to export their goods or service. However globalization has its disadvantages as well, because of its vulnerability to intergovernmental relations (in the case of war) and its opens domestic businesses to foreign competition. REFERENCES Anup, G (1997) E-commerce security : weak links, best defenses. Oxford: Wiley. BBC (2010) Globalization. Available at: http://www.bbc.co.uk/schools/gcsebitesize/geography/industry/globalisation_rev1.shtml [Accessed: 14th March, 2011] Bhagwati, J. N, Panagariya, A., Srinivasan, T. N. (1983) International Trade. 2nd edn. Massachusetts: The MIT Press. Borkakoti, J (1998) International Trade. London: Macmillan Press Ltd Carper, T (2010) The Threat of Globalization. [Online] Available at: http://www.thaynecarper.com/globalization/ [Accessed: 20th March, 2011] Corsi, C (2000) Innovation and market globalization. Amsterdam: IOS Press. pp9 Holton, R. J. (1998) Globalization and the nation-state. London : Macmillan Press. Jennifer, M. (2005) The Double Edge of Globalization. Available at: http://www.allacademic.com//meta/p_mla_apa_research_citation/0/7/0/6/8/pages70681/p70681-1.php [Accessed: 14th March. 2011] King, P King, S (2005) International Economics and International Economic Policy. 4th edn. New York: Irwin/McGraw-Hill Post, J., Lawrence, A., Weber, J. (1999) Business and Society. 9th edn. Boston, MA: Irwin/McGraw-Hill. Sloman, J. (2004) Essentials of Economics. 3rd edn. Harlow : Financial Times Prentice Hall

Installing A Car Stereo System :: essays research papers

Installing A Car Stereo System Throughout this project, each component will be required to be compatible with the other components chosen. The dual purpose for this is to keep cost factor low and facilitating installation. Several adaptors can be eliminated by having compatible components. Five major components will be used in this system, the head unit, the front speakers, the rear speakers, the subwoofer, and the subwoofer amplifier. Head Unit The head unit is the most important component and must have certain features to make it adequate for this system. Some of the features we will not be using immediately but will require in case expansion is later desired. There are four major features required in the head unit, they are internal amplifier, Pre-amp out RCA jacks, CD controller and a face-off security feature. The head unit must have an internal amplifier that can produce at least 25 watts-per-channel so it can adequately power a decent pair of speakers. Reproduction of higher frequency sounds (i.e. violin, flute) as well as lower frequency sounds (bass violin, tuba) require more power to be heard at the same level as a midrange sound (voice, trumpet). The internal amplifier in the head unit must be able to generate enough wattage for the SPL (sound pressure level) of the higher frequencies to be heard clear in a space the size of the AEROSTAR. Pre-amp Out RCA Jacks To allow for low-level amplification without using an in-line power reducer, the head unit will require low level pre-amplification output jacks. Head units ordinarily come with either front and rear, or just rear RCA jacks. This situation will only require rear jacks since the head unit produces enough wattage sufficient for the front speakers. The sub-woofer system will be powered by an additional external amplifier by using these jacks. CD Controller Although cassettes are more versatile at this point in time, CD's are readily available and deliver a more quality sound. It would be a very good choice to assure that a CD Controller is built in. One that controls more than just a specific multi-CD player. Face-off Security Full-Panel detatchable security feature will also be required. Most head units have this as a standard feature making this feature, although indisposable, readily available. A unit that has mechanical fast-forward, rewind, and eject buttons will be preferred over a unit that has all these as electronic features. The reason for this comes apparent if ever a cassette tape is left in the unit and the tape is to be ejected without having the ignition key to power the unit. In the tuner section of the unit, local/distance switchting , dolby Installing A Car Stereo System :: essays research papers Installing A Car Stereo System Throughout this project, each component will be required to be compatible with the other components chosen. The dual purpose for this is to keep cost factor low and facilitating installation. Several adaptors can be eliminated by having compatible components. Five major components will be used in this system, the head unit, the front speakers, the rear speakers, the subwoofer, and the subwoofer amplifier. Head Unit The head unit is the most important component and must have certain features to make it adequate for this system. Some of the features we will not be using immediately but will require in case expansion is later desired. There are four major features required in the head unit, they are internal amplifier, Pre-amp out RCA jacks, CD controller and a face-off security feature. The head unit must have an internal amplifier that can produce at least 25 watts-per-channel so it can adequately power a decent pair of speakers. Reproduction of higher frequency sounds (i.e. violin, flute) as well as lower frequency sounds (bass violin, tuba) require more power to be heard at the same level as a midrange sound (voice, trumpet). The internal amplifier in the head unit must be able to generate enough wattage for the SPL (sound pressure level) of the higher frequencies to be heard clear in a space the size of the AEROSTAR. Pre-amp Out RCA Jacks To allow for low-level amplification without using an in-line power reducer, the head unit will require low level pre-amplification output jacks. Head units ordinarily come with either front and rear, or just rear RCA jacks. This situation will only require rear jacks since the head unit produces enough wattage sufficient for the front speakers. The sub-woofer system will be powered by an additional external amplifier by using these jacks. CD Controller Although cassettes are more versatile at this point in time, CD's are readily available and deliver a more quality sound. It would be a very good choice to assure that a CD Controller is built in. One that controls more than just a specific multi-CD player. Face-off Security Full-Panel detatchable security feature will also be required. Most head units have this as a standard feature making this feature, although indisposable, readily available. A unit that has mechanical fast-forward, rewind, and eject buttons will be preferred over a unit that has all these as electronic features. The reason for this comes apparent if ever a cassette tape is left in the unit and the tape is to be ejected without having the ignition key to power the unit. In the tuner section of the unit, local/distance switchting , dolby

Do Not Go Gentle IntoThat Good Night by Dylan Thomas Essay -- Not Go G

Do Not Go Gentle into That Good Night by Dylan Thomas Many people get to the end of their lives and only then do they realize what they have missed. They realize that there is something that they just did not do in life and they try to do that thing before life's end. The poem, 'Do Not Go Gentle into That Good Night' by Dylan Thomas, is based around five people. There is a wise man, a good man, a wild man, a grave man, and a father. For some reason, others more obvious than the ones before them, they have reached life's end. They are about to pass on into the next life; however, before they can pass on they each have some issue or loss in life that they must fix. The first example in poem is the wise man. Wisdom is often associated with age and maturity. According to the Merriam-Webster dictionary, the word wisdom means "the accumulated philosophic or scientific learning, the ability to discern inner qualities and relationships". It also means "good sense, generally accepted belief, a wise attitude or course of action and the teachings of the ancient wise men". If that is true then what does one so keen, so aware of how living things must cease to live, have to fix? Dylan Thomas appears to be telling us that wise men fear that they have not given their wisdom to others appropriately. It seems that wise men worry that all the wisdom they have accumulated over the many years of their existence was of no matter. Thomas has an eloquent way of phrasing things, ?Though wise men at their end know dark is right Because their words had forked no lightning they Do not go gentle into that good night? (Thomas ll. 1-6). To reiterate my point Thomas used the term of forked lightning this represents the wise men's words. Lightn... ... is even near being fought. No one enjoys the fact that soon there comes a life?s end, but it does. The problem is that people often try to find what they have not done in life instead of what they have. The past is a play, whether or not you as a character in the great play have a big part or little one it does not matter. What matters is that you appreciate what you did in life and what you have gained from being alive. Works Cited Kubler-Ross, Elizabeth. Living With Death and Dying. New York: MacMillan, 1981. Lucas, George. Star Wars Episode I: The Phantom Menace. Hollywood: 20th Century Fox, 1999. Shakespeare, William. Julius Caesar. The Complete Works of William Shakespeare. London and Glasgow: Collins. 876. Thomas, Dylan. ?Do Not Go Gentle into That Good Night.? Literature and Ourselves. Addison-Wesley Educational Publishers, 1997; 553.