Meiosis vs. Mitosis essays

Meiosis versus Mitosis papers Significant Comparisons Between Meiosis and Mitosis The two procedures of atomic division are comparable as in they permit cells to separate and repeat, however they likewise have numerous distinctions. Meiosis is the sort of atomic division that happens in explicitly recreating living beings. In meiosis, the diploid number of chromosomes is diminished to the haploid number. Gametes have the haploid number, while zygotes have the diploid number. The homologous chromosomes that show up in the zygote resemble the other the same and have a similar length and centromere position, yet the qualities they hold might be for contradicting characteristics. After duplication, the homologues become sister chromatids that are combined at the centromere. Meiosis likewise has two cell divisions, meiosis I and meiosis II. Synapsis happens toward the beginning of meiosis I. The arranging of the homologues brings about a bivalent, two homologous chromosomes that stay together during the underlying periods of meiosis I. After synapsis, the homologous chromosomes discrete and the little girl cells have one duplicate of every sort of chromosome. During meiosis II, the girl chromosomes move to inverse posts, leaving the chromosomes with just a single chromatid each. The principle reason for meiosis is to keep the chromosome number steady a great many ages. Notwithstanding meiosis, the chromosome number would keep on expanding definitely. It likewise guarantees that hereditary recombination will happen. Hereditary recombination causes it so posterity to don't have indistinguishable blend of qualities from their folks. One way this is accomplished is through traverse. Traverse is the procedure of conveyance of the homologues to various girl cells during synapsis. The hereditary directions from a mother and father are blended and the joined chromatids are not, at this point indistinguishable. The other key route for hereditary recombination to happen is through autonomous combination. At the point when homologues adjust at the metaphase plate, the mate ... <!

Working with Federal Reserve's Publications Assignment

Working with Federal Reserve's Publications - Assignment Example Government Reserve’s Assessment of the Current Economic Activity and Financial Markets and their View on Inflation The budgetary emergency is on the ascent around the world. Costs of wares in the business sectors are shooting up and the customers are thinking that its hard to get by in these cruel budgetary circumstances. The money related association, firms and enterprises are thinking that its intolerable to clutch the opposition. In the United States for example, Fannie Mac and Freddie Mac which are government parastatals were put under receivership. Lehman brothers’ possessions and other huge business establishments were either at the skirt of crumbling or they really collapsed. Others were procured by their rivals under unavoidable conditions of insolvency. Huge withdrawals of cash were made by partners and financial specialists which influenced the currency advertise common assets. This sabotaged the strength of transient subsidizing markets and the bank discount financing markets. The strain on budgetary markets has additionally made financial exercises decline. The GDP was accounted for to have gone down at a yearly pace of 6.2 percent in the last quarter of the earlier year however ongoing markers give some slight upgrades. The pace of joblessness moved 7.6 percent .Reacting to disintegration of occupation markets, loss of value, lodging riches and fixing of credit conditions, families cut on their ways of managing money. Purchasing of homes and development of new ones are not getting along nicely at all notwithstanding the way that home loan rates have gone incredibly down. This reflects how our economy is questionable and home costs are probably going to fall even lower. Assembling divisions have additionally disintegrated in their yield bringing its pace of limit usage extremely low. The frail economy has prompted numerous premises cutting their capital consumptions. Organizations have given a valiant effort to diminish the quantity of financial specialists. Deals will stay poor for quite a while and the cut down on creation is to be apparent in the coming months. This was a danger to universal monetary dependability. This anticipated an overwhelming money related breakdown comprehensively. The treasury spared the circumstance by infusing 250 billion dollars in to the U.S.A. money related association. Money related Policy Tools The Federal Reserve Uses To Stabilize The Economy And Maintain Price Stability.â Late a year ago, Federal Reserve reacted forcefully to the weakening of budgetary markets. This was apparent in the manner they kept on facilitating fiscal approach. The Federal Open Market Committee brought its store rates at a low pace of 1/4 percent where it has stayed to date. Making the government finances rates very nearly zero, the Federal Reserve is centered around different manners by which it can ease extreme conditions at the credit markets. They have new offices and have extended existing offices to encourage the progression of credit administrations to its clients. (Money related Policy And The Economy),notes that lower loan costs in the United States will prompt decrease in the trade estimation of the dollar and brief an expansion in cost of imports and decrease in the cost of fares. Sale office was additionally expanded with the goal that banks could get the assets they expected to serve their credit clients better. The FOMC additionally extended its system trading lines with outside national banks to help in settling the worldwide monetary emergency which was currently getting into the financing markets of the U.S.A.

Sidebar Visiting MIT this summer

Sidebar Visiting MIT this summer Timings for Boston-area Info Sessions Tours, Summer 2005 Find below the timings for information sessions and campus tours at MIt other Boston area colleges frequently visited by our guests. All times listed are for the information session, to be followed by a tour, unless otherwise noted. Generally plan that a session/tour combo will last 2 to 2.5 hours. MIT Red Line: Kendall/MIT 10am and 2pm, Monday-Friday Harvard UniversityRed Line: Harvard10am and 2pm, Monday-Friday Tufts UniversityRed Line: Davis9am, 10:30am, 1:30pm, Monday-Friday Boston UniversityGreen Line: Kenmore Square10am and 2pm, Monday-Friday Boston CollegeGreen Line, B Train: Boston College9:30am, 10:30am, 1:00pm, 2:00pm, Monday-Friday Northeastern UniversityGreen Line, E Train: Northeastern9am, 10am, 2pm, 3pm, Monday-Friday** tours hourly 9am-3pm Wellesley CollegeCommuter rail, Framingham/Worcester Line: Wellesley Square(best visited by car)9am and 1pm Monday-Friday* * tours 9am, 10am, 11am, 1pm, 2pm, 3pm Olin CollegeCommuter Rail, Needham Line: Needham Center, then taxi(best visited by car)2pm Monday-Friday** self-guided tour Brandeis UniversityCommuter Rail, Fitchburg Line: Brandeis/Roberts(best visited by car)10:15am and 2:15pm, Monday-Friday** July August additional tours offered prior to Info Session at 9am and 1pm

Benefits Of Gambling And Recreational Consumption - 782 Words

Introduction Casinos nowadays are considered as a strategic component in the development of tourism destinations (Kim, Prideaux Kim, 2002). Casinos purpose is making money at your own risk. It has been determined that casinos are located in through the United States and in global nationwide. Throughout this paper, we will see how that the global industries are competitive and characteristics that make casinos global. Description of Casinos Bloomberg described casinos as an industry that profits from people betting against the odds is looking for more risk takers online and in Asia (Bloomberg). Any time we are betting online or in the casinos, we consider ourselves as risk takers because of taking chances on winning or losing. Peter Mason describes casinos as a place that people legally allows people to engage in activities of gambling and recreational consumption, can also directly and indirectly impacts are somehow tangible and intangible in the host community, in which casino gamblers interact with local environment, economy, and society (Mason, 2003). Competitive Market Leaders in the Casino Industry Penn National Gaming Inc. operates in several states such as West Virginia, Mississippi, Louisiana and Pennsylvania. Penn National Gaming Inc. also operates in the Province of Ontario Canada. All these different places operates in different areas such as slot machines, casinos, riverboat casinos and racetracks. Penn National Gaming Inc. reported unadvisedShow MoreRelatedSociological Imagination1059 Words   |  5 Pagesmajority of people believed there was no ‘drug problem. (Berridge, 1999) The substances used in Britain at the time like opium based cough medicine was commonly accepted in daily life. 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TheRead MoreDeviance and Social Control2641 Words   |  11 Pagesthe social bond is used to help individuals from going toward those attractive deviant acts because of the fear of not belonging. A weak bond between society and an individual may actually push that individual toward a deviant act that he/she can benefit from. As explained by Peter Wickman (2009), â€Å"Deviance is behavior that violates the standards of conduct or expectations of a group or society† (p. 160). There are different degrees of deviance we all experience here in the United States. OnRead MoreThe influence of Individual Visit Scheme Essay1895 Words   |  8 Pagesscheme brought Hong Kong out of economic difficulty. Also the consumption of stable visitors and sustainable growth gave Hong Kong a buffering effect for standing the financial crisis. Thereby decreased the negative influence of financial crisis and kept the stable economy. Moreover Individual visit scheme also bring many opportunities for Macau, especially boost the gaming and entertainment industry. Macau becomes a tourist and recreational center. Negative influence of Individual visit schemeRead MoreCan Addiction Be Classified As A Real Addiction?1932 Words   |  8 Pagesclose relationships. The mean age of onset is 18.7 years, however, sufferers are most likely to seek treatment during their forties and fifties (Kafka, 2010). Common comorbidites associated with sex addiction include other addictive disorders such as gambling and substance abuse (Kaplan Krueger, 2010), major depression, anxiety and ADHD (Bancroft, 2009). Sex Addiction and Drug Based Addictions Sex addiction and drug based addictions are very similar. They are both characterised by a) a loss ofRead More Legalization of Drugs Argument Essay3248 Words   |  13 Pagescreature, is inherently bored. Since the dawn of time, it has been the natural instinct of man to find alternative methods to enhance his being. The many means by which man has turned to include sex, gambling, and the consumption of substances beyond the requirements of nutrition. The consumption of substances can be further broken down into legal and illegal substances. The question then becomes, who are we to place labels on certain substances by deeming them legal and prohibit others by creatingRead MoreSpeech On Alcoholism And Drug Propaganda Essay2268 Words   |  10 PagesLuther, and John Calvin Preached. That alcohol was in fact a gift from God, and was created to be used in moderation for pleasure, enjoyment and in health. From this time to roughly to the 18th century moderation was key, and viewed as a positive recreational pastime. There was a very fine line between having a good time and being out casted as a social pariah. Drunkenness was a sin and a definite threat to ones spiritual salvation. Early Christian leaders taught that there were two types of wine

Emily Brontes Wuthering Heights Essay - 983 Words

Emily Brontes Wuthering Heights 1. What techniques are used in the characterization of Heathcliff? Effects? Heathcliff is associated with evil and darkness from the beginning of the novel. I felt his black eyes withdraw so suspiciously under their brows. (1) When Lockwood sees Heathcliffs garden (perhaps a symbol for Heathcliff) the earth was hard with a black frostÂ…the air made me shiver through every limb. (6) When we see Heathcliff when he is first brought into the Earnshaw household, he is immediately†¦show more content†¦2. Show an understanding of why point of view is a crucial technique to understand in this work. Include an awareness of the ideas in the Carol Jacobs essay Wuthering Heights: At the Threshold of Interpretation. Point of view is an important aspect of every novel. It can be argued that point of view in Wuthering Heights affects the entire story. The novel is told primarily through two narrators. Lockwood, the first narrator, tells events through a distorted perspective. He tries to rationalize anything that happens to him. Lockwood is very optimistic and tries to find a positive interpretation for everything. As Carol Jacob quotes, Dree, and dreary! I reflectedÂ…and not exactly of the kind which I should have chosen to amuse me. But never mind! Ill extract wholesome medicines from Mrs. Deans bitter herbs. To make matters worse, he is vain, he often makes mistakes, it is very hard to trust his narrations and interpretations. The reader may not know the truth about many places in the novel, specifically in the ghost scene Nelly Dean is the other narrator in Wuthering Heights. Her narration also must be judged, not only does she have her own weaknesses as a narrator, but it is also reported in Lockwoods journal. Thus, not only do we have Nellys biases, but we also have Lockwoods interpretation in Nellys narration, (Chinese box). 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The Victorian Era, in turn, was a reaction to the Romantic period. The Victorians had a sense of social responsibility, which set them apart from the Romantics. Wuthering Heights exemplifiesRead MoreEmily Brontes Wuthering Heights1590 Words   |  7 PagesEmily Bronte created a book called Wuthering Heights that was published in 1847. The book has been rejected multiple times by the Victorian readers because of its disturbing, unexplained vision of anarchy and decay (Knoepflmacher). I chose the book Wuthering Heights because it has an interesting name. I never thought the boo k was narrated by two people and that it had a dramatic romance to it. Also I have notice that there is a large amount of hate towards the character Heathcliff due to his actionsRead MoreThe Depth of Emily Brontes Wuthering Heights884 Words   |  4 PagesWuthering Heights was written by Emily Bronte’. It would be the least to say her imagination was quite impressive. 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In the case of Emily Bronte, her novel Wuthering Heights very closely mirrors her own life and the livesRead More Emily Brontes Wuthering Heights Essay1221 Words   |  5 Pages Throughout the novel Wuthering Heights, Emily Brontà « effectively utilizes weather and setting as methods of conveying insight to the reader of the personal feeling of the characters. While staying at Thrushcross Grange, Mr. Lockwood made a visit to meet Mr. Heathcliff for a second time, and the horrible snow storm that he encounters is the first piece of evidence that he should have perceived about Heathcliffs personality. The setting of the moors is one that makes them a very special place forRead More Emily Brontes Wuthering Heights Essay882 Words   |  4 PagesEmily Brontes Wuthering Heights   Ã‚  Ã‚  Ã‚  Ã‚  In Wuthering Heights, we see tragedies follow one by one, most of which are focused around Heathcliff, the antihero of the novel. After the troubled childhood Heathcliff goes through, he becomes embittered towards the world and loses interest in everything but Catherine Earnshaw –his childhood sweetheart whom he had instantly fallen in love with.—and revenge upon anyone who had tried to keep them apart. The novel begins with a few short introductionRead More Emily Bronte’s Wuthering Heights Essay458 Words   |  2 PagesIn Emily Bronte’s Wuthering Heights revenge is a common, reoccurring theme. According to Webster’s Dictionary, revenge is to inflict punishment in return for injury or insult. Within the novel, Wuthering Heights, revenge is an action taken by many people in order to redeem themselves. However, all of the characters end up in misery because of their hearts’ desire to avenge. In many novels, revenge is an action typically taken by the main villain upon the main hero. Revenge occurs often in bothRead More Emily Brontes Wuthering Heights Essay2291 Words   |  10 PagesEmily Brontes Wuthering Heights The female writer Emily Bronte wrote the novel Wuthering Heights in 1847. Brontes father had influenced Emily with his well-known poetry and imagination. Brontes childhood could have also played a part in writing her novel as she used to live in the moors herself before her mother died. The North Yorkshire moors where Wuthering Heights is set is a bleak, desolate and solitary place. The area was very inaccessible and it would have taken days toRead MoreFeminist Ideas in Emily Brontes Wuthering Heights2400 Words   |  10 Pageslife as well as attract readers to identify themselves to the characters presented.’ (Online 1) One of the most prominent female writers in 19th century was Emily Brontà « with her novel Wuthering Heights. This essay will concentrate on the representation of feminism by the use of women characters in Emily Brontà «Ã¢â‚¬â„¢s Wuthering Heights, namely Catherine Earnshaw, Catherine Linton (Cathy), Nelly Dean and Isabella Linton. Each of these characters illustrates the power possessed by women, the hopes

Bus405 Final Project Free Essays

string(224) " heavy emphasis on small-capitalization stocks or growth stocks with relatively high market valuations; holdings of international stocks or bonds, which are subject to price declines caused by changes in the value of the U\." Final Project Ashford University Trena Mealor Dr. James Prentice August 27, 2012 ? Final Project Investing in the total stock market allows an investor to capture the return of the stock market while at the same time diversifying an investment portfolio. The easiest way to build a total stock market portfolio is with a mutual fund or an exchange traded fund. We will write a custom essay sample on Bus405 Final Project or any similar topic only for you Order Now This particular portfolio is diversified with Vanguard ETF’s that were carefully chosen to seek the highest return with moderately aggressive to aggressive risk strategy. The investment strategy associated with this portfolio is short-term with an aggressive attitude of â€Å"more risk more reward†. 7/24 priceInvestment Amount# of Shares8/13 priceValue Vanguard Consumer Discretionary ETF – (VCR)67. 8910000147. 2970971. 7410567. 0932 Vanguard Financial ETF – (VFH)30. 2510000330. 578531. 5810439. 6690 Vanguard Growth ETF – (VUG)66. 9110000149. 454570. 4810533. 5531 Vanguard Information Technology ETF – (VGT)66. 9310000149. 409871. 7710723. 1413 Vanguard Intermediate-Term Corporate Bond ETF – (VGIT)86. 9410000115. 154386. 579968. 9077 50,00052232. 36 Exchange Traded Funds, also known as ETFs, are mini-portfolios of securities and derivatives that track an asset like an index and/or commodity. When creating a portfolio, it is important to note that there is a difference between diversifiable risk and market risk. According to Elton (1977), diversifiable risk may be caused by random events that are particular to an individual firm. Since these events are random, the influence of events, such as a lawsuit or strike can be almost eliminated via diversification. However, diversification cannot entirely eliminate market risk. Market risk ffects most firms. Examples of market risk include war, recessions and high interest rates. By researching the portfolio funds, the investor can gain an understanding of risk and how it fits into diversification. A single stock has more risk of not creating a positive return than a stock portfolio. In a market dominated by risk-averse investors, riskier securities must have higher expected returns Ross , Westerfield Jordan (1993) indicates, the principle of diversification tells us that the spreading of an investment across a number of assets will eliminate some but not all the risk. Unsystematic risk is essentially eliminated by diversification, so a relatively large portfolio has almost no unsystematic risk. Ong (1982) mentions that diversification can reduce the overall portfolio risk. However, the possibility for the risk reduction depends on the correlation coefficient and the proportion of the total funds invested in each. According to Jordan, etal (2012), the benchmark for a well-diversified portfolio would be a portfolio of all stocks in the market. Relevant market risk of the stocks within the portfolio is calculated using a beta coefficient. Accordingly, a stock with a high beta will bring a lot of risk to the portfolio. The authors further explain, as you calculate the beta for various stocks, you may begin to see groupings of low, average and high beta risk. Beta measures the stock’s risk relative to the stock market average. Calculate the weighted average of these groupings, and you will discover the market risk for the entire portfolio. A â€Å"low† beta is generally 1. 0 or below. The average beta is 1. 00 and assets with a beta greater than 1. 00 have more than average systematic risk. Rosenberg and Guy (1995) further explain the importance of beta as the value of beta measures the expected response to market returns and because the vast majority of returns in diversified portfolios can be explained by their response to the market, an accurate prediction of beta is the most important single element in predicting the future behavior of a portfolio. To the degree that one believes that one can forecast the future direction of market movement, a forecast of beta, by predicting the degree of response to that movement, provides a prediction of the resultant portfolio return. To the degree that one is uncertain about the future movement of the market, the forecast of beta, by determining one’s exposure to that uncertainty, provides a prediction of portfolio risk. We begin with the first description of the portfolio. Unlike mutual funds or index baskets, the investor does not have to make multiple transactions in order to achieve a market price. With ETFs it’s one trade, one price. The first fund in this portfolio is Vanguard Consumer Discretionary ETF. From July 24, 2012 to August 13, 2012 the value has risen from $67. 9 to $71. 14. The annual investment returns of this ETF are: Annual investment returns as of 12/31/2011 (Vanguard, 2012) Year EndedVanguard Consumer Discretionary ETFSpliced US IMI Consumer Discr 25/50* Capital Return by NAVIncome Return by NAVTotal Return by NAVTotal Return by Market PriceTotal Return 20112. 28%1. 42%3. 71%3. 70%3. 83% 201029. 30%1. 27%30. 57%30. 62%30. 87% The Vanguard Consumer Discretionary ETF is generatin g 0. 16% of daily returns assuming volatility of 0. 71% on return distribution over 30 days investment horizon. MERGENT online indicates, the one month beta on this investment is 1. 03. This EFT includes stocks of companies that manufacture products and provide services that consumers purchase on a discretionary basis. The following risks are associated with this type of ETF: Stock market risk, Sector risk, Non-diversification and Investment style risk (Vanguard, 2012). Vanguard Consumer Discretionary ETF fund’s manufacturing segment includes the following industries: automotive, household durable goods, textiles and apparel, and leisure equipment. The services segment includes hotels, restaurants and other leisure facilities, media production and services, and consumer retailing. The next fund in this portfolio is Vanguard Financial ETF, which includes stocks of companies that provide financial services. The investment has a one month beta of 0. 73 which indicates that the investment is 73% less risky than the average. This ETF fund is classified as aggressive is subject to extremely wide fluctuations in share prices. The unusually high volatility associated with these funds may stem from one or more of the following strategies: a concentration of fund holdings in a relatively low number of individual stocks, or in a particular sector of the stock market, or in a particular geographical region of the world; a heavy emphasis on small-capitalization stocks or growth stocks with relatively high market valuations; holdings of international stocks or bonds, which are subject to price declines caused by changes in the value of the U. You read "Bus405 Final Project" in category "Papers" S. ollar against foreign currencies; or investments in bonds that have exceptionally long average durations, whose prices are highly sensitive to changes in interest rates. According to the Wall Street Journal online, the annual investment returns of this ETF: Annual investment returns as of 12/31/2011 (Vanguard, 2012): Year EndedVanguard Financials ETFSpliced US IMI Consumer Discr 25/50* Capital Return by NAVIncome Retur n by NAVTotal Return by NAVTotal Return by Market PriceTotal Return 2011-16. 04%1. 69%-14. 35%-14. 35%-14. 24% 201013. 15%1. 58%14. 74%14. 77%14. 7% Vanguard Financials ETF seeks to track the investment performance of the MSCI US Investable Market Financials 25/50 Index, a benchmark of large-, mid-, and small-cap U. S. stocks in the financials sector, as classified under the Global Industry Classification Standard (GICS). This GICS sector is made up of companies involved in activities such as banking, mortgage finance, consumer finance, specialized finance, investment banking and brokerage, asset management and custody, corporate lending, insurance, financial investment, and real estate (including REITs). The next ETF in this portfolio is the Moderately-Aggressive Vanguard Growth ETF with a closing price of $66. 91 on July 24, 2012 and an ending close of $70. 48 on August 13, 2012. The one month beta on this investment is 0. 99 with a positive strong direction. Annual investment returns as of 12/31/2011 (Vanguard, 2012): Year EndedVanguard Growth ETFMSCI US Prime Market Growth Index* Capital Return by NAVIncome Return by NAVTotal Return by NAVTotal Return by Market PriceTotal Return 20110. 0%1. 27%1. 87%1. 84%1. 96% 201015. 66%1. 46%17. 11%17. 15%17. 23% An investment in this the fund could lose money over short or even long periods. The investor should expect the fund’s share price and total return to fluctuate within a wide range, like the fluctuations of the overall stock market. Vanguard funds classified as moderate to aggressive are broadly diversified but are subject to wide fluctuations in share price because they hold virtually all of their assets in common stocks. In general, such funds are appropriate for investors who have a long-term investment horizon (ten years or longer), who are seeking growth in capital as a primary objective, and who are prepared to endure the sharp and sometimes prolonged declines in share prices that occur from time to time in the stock market. This price volatility is the trade-off for the potentially high returns that common stocks can provide. The level of current income produced by funds in this category ranges from moderate to very low. The type of risks associated with this investment is: stock market risk and investment style risk. The chance that stock prices overall will decline. Stock markets tend to move in cycles, with periods of rising stock prices and periods of falling stock prices. The fund’s target index may, at times, become focused in stocks of a particular sector, category, or group of companies. Because the fund seeks to track its target index, the fund may underperform the overall stock market. The chance that returns from large-capitalization growth stocks will trail returns from the overall stock market. Large-cap stocks tend to go through cycles of doing better—or worse—than other segments of the stock market or the stock market in general. These periods have, in the past, lasted for as long as several years. The next investment in the portfolio is Vanguard information technology ETF. This ETF seeks to track the performance of a benchmark index that measures the investment return of stocks in the information technology sector. With a one month beta of 1. 1, this fund is passively managed, using a full-replication strategy when possible and a sampling strategy if regulatory constraints dictate. Includes stocks of companies that serve the electronics and computer industries or that manufacture products based on the latest applied science. The risk potential for this fund is aggressive, more risk more reward. Annual investment returns as of 12/31/2011 (Vanguard, 2012) Year EndedVanguard Information Technology ETFMSCI US Prime Market Growth Index* Capital Return by NAVIncome Return by NAVTotal Return by NAVTotal Return by Market PriceTotal Return 2011-0. 28%0. 80%0. 52%0. 53%0. 66% 201012. 08%0. 66%12. 74%12. 67%12. 99% Vanguard Information Technology ETF is made up of companies in the following three general areas: technology software and services, including companies that primarily develop software in various fields (such as the Internet, applications, systems, databases, management, and/or home entertainment), and companies that provide information technology consulting and services, data processing, and outsourced services; technology hardware and equipment, including manufacturers and distributors of communications equipment, computers and peripherals, electronic equipment, and related instruments; and semiconductors and semiconductor equipment manufacturers. Vanguard Intermediate-Term Corporate Bond ETF which seeks to provide a moderate and sustainable level of current income. Invests primarily in high-quality (investment-grade) corporate bonds. Moderate interest rate risk, with a dollar-weighted average maturity of 5 to 10 years. Vanguard Intermediate-Term Corporate Bond ETF seeks to track the performance of a market-weighted corporate bond index with an intermediate-term dollar-weighted average maturity. The fund invests by sampling the index, meaning that it holds a range of securities that, in the aggregate, approximates the full index in terms of key risk factors and other characteristics. Annual investment returns as of 12/31/2011 (Vanguard, 2012) Year EndedVanguard Intermediate-Term Corporate Bond ETFMSCI US Prime Market Growth Index* Capital Return by NAVIncome Return by NAVTotal Return by NAVTotal Return by Market PriceTotal Return 20113. 77%4. 17%7. 94%8. 97%8. 03% 20106. 16%4. 48%10. 65%9. 88%10. 80% All of the fund’s investments will be selected through the sampling process and at least 80% of the fund’s assets will be invested in bonds included in the index. The fund maintains a dollar-weighted average maturity consistent with that of the index. An investment in the fund could lose money over short or even long periods. The fund’s performance could be hurt by: Interest rate risk: The chance that bond prices overall will decline because of rising interest rates. Interest rate risk should be moderate for the fund because it invests primarily in intermediate-term bonds, whose prices are less sensitive to interest rate changes than are the prices of long-term bonds. Income risk: The chance that the fund’s income will decline because of falling interest rates. Credit risk: The chance that a bond issuer will fail to pay interest and principal in a timely manner, or that negative perceptions of the issuer’s ability to make such payments will cause the price of that bond to decline. Index sampling risk: The chance that the securities selected for the fund, in the aggregate, will not provide investment performance matching that of the index. Index sampling risk for the fund should be low. Annual investment returns as of 12/31/2011 (Vanguard, 2012) Year EndedVanguard Intermediate-Term Corporate Bond ETFMSCI US Prime Market Growth Index* Capital Return by NAVIncome Return by NAVTotal Return by NAVTotal Return by Market PriceTotal Return 20113. 77%4. 17%7. 94%8. 97%8. 03% 20106. 16%4. 48%10. 65%9. 88%10. 80% ETFs combine the advantages of both index funds and stocks. They are liquid, easy to use and can be traded in any quantity just like stocks. At the same time an ETF provides the diversification, market coverage and low expenses of an index fund. These characteristics combine to create an investment tool that provides investors with the broad exposure they require, at the level they want; at the moment they need it. As such, they are fast gaining a reputation as an innovative investment solution – a claim greatly supported by the accelerated growth in ETFs. Reference Elton, E, Gruber, M. (1977), Risk, reduction and portfolio size: an analytical solution. Journal of Business. Vol. 50, 415-437. Hope-Bell, E. (2008). Focus on: Index investing – exchange traded funds – an innovative investment solution. Professional Wealth Management, , 1-n/a. Retrieved from http://search. proquest. com/docview/205081570? accountid=32521 Jordan, B. , Miller, T. , Dolvin, S. (2012). Fundamentals of investments, valuation andmanagement (6th ed. ). New York, NY: McGraw-Hill. MERGENT Online. Retrieved from http://www. mergentonline. com/companydetail. php? pagetype=highlightscompnumber=116548 Ong, Poh Wah (1982). Measuring the expected return and risk of combining several shares in an investment portfolio. Securities Industry Review. Vol. 8, No I, 6-16. Rosenberg, B. , Guy, J. (1995). Prediction of beta from investment fundamentals. Financial Analysts Journal, 51(1), 101-101. Retrieved from http://search. proquest. com/docview/219118485? accountid=32521 Ross, S. , Westerfield, W. , Jordan, B. (1993). Fundamentals of corporate finance, 2nd ed. , Richard D. Irwin, Inc. https://personal. vanguard. com/us/home Vanguard (2012). Retrieved from https://personal. vanguard. com/us/home Wall Street Journal online. (2012). Retrieved from http://online. wsj. com/home-page How to cite Bus405 Final Project, Papers

To What Extent Is There a Democratic Deficit in the Uk free essay sample

The most telling indicator of there being a democratic deficit in the UK today is the continuing decline of voter turnout at all elections for the past 60 years. There is a growing level of general apathy towards political issues in the UK which is not just damaging to the health of a democracy but fatal. The government requires a mandate to govern, if they do not achieve popular consent then how are they representative of the people? The last three general elections have yielded voter turnout of around 60 – 65% of the electorate, leaving a significant proportion of people who chose not to exercise their democratic right to vote. At the European Parliament elections turnout has been far lower with the last three elections yielding 24 – 39% of voters turning up to cast their ballot. The recent Police Crime Commissioner (PCC) elections have produced the lowest ever turnouts in the UK with just 14. 9%. The Prime Minister said that the PCC’s have a mandate; although it was only the turnout that was 14. % so many PCC’s will be governing with less than 10% of the vote. This incredibly low turnout illustrates just how apathetic people have become in regards to British politics, but there is also the matter of spoiled ballot papers. The total number of votes was 344,213 (excluding spoilt ballots) with the number of spoiled votes standing at more than 120,000. That means over a quarter of people who turned up to the polling stations did so for the sole purpose of spoiling the paper. The fact that people would take time out of their lives specifically to undermine the democratic process shows just how much of a democratic deficit exists in the UK. People have become so disillusioned with traditional democracy in the UK they resort to methods such as spoiling the ballot paper to tell the government that the people will not stand for it, that voting doesn’t work, that all politicians are in it for themselves. The 2009 Parliamentary expenses scandal shocked voters with the scale of MP’s dishonesty with taxpayer’s money. Those in power felt that they were beyond reproach and despite the sudden change of heart many MP’s had over claiming expenses when the scandal came to light there are still those today that claim in excess of ? 60,000 per year. The mainstream political parties do not represent the views of many and the small parties that do will never gain power under the unfair FPTP system. People have resorted to campaigns such as the worldwide occupy movement that gained mass media coverage with their camp outside St. Paul’s Cathedral, or the vigilante hacker group Anonymous who attack what they perceive to be unjust areas of the government. It is not just a minority of extremists who are partaking in these activities; their members are those who have been pushed to the side lines by the vast democratic deficit in the UK which has forced the common man without a voice to shout at the government via unorthodox and sometimes illegal means. Of course we mustn’t forget that not everyone can vote in the British system of democracy. The Justice Secretary Chris Grayling holds the view of many in his party and others across the political spectrum over the debate on whether or not to extend the franchise to all. He told his fellow MP’s that they had the power to â€Å"legislate contrary to fundamental principles of human rights†. The right to vote is absolutely essential to any democracy and yet the government fears what would happen if they finally gave the right to vote to all in the UK. One of the harsh realities of the criminal justice system is that miscarriages of justice are an everyday occurrence. Yearly over 770 convictions are overturned in the court of appeal and nearly 3,500 convictions quashed when the case proceeds from a magistrate court to a crown court. This shows just how broken the system is, and as well as being a human right giving prisoners the vote would help the government to get a better perspective on how to reform prisons to reform inmates. Membership of political parties has plummeted over the past 60 odd years and now just 1% of the population are members of a political party. This runs parallel with less people turning out to vote, it is plain that people do not want to get involved with political parties anymore. It is not that they no longer care about governance but that they feel that the system does not work for them and that it also does not allow reform to allow it to change into a free and fair way true democracy. The increased use of referendums in the UK can be hailed as a way of helping to combat the democratic deficit by giving power directly to the people on a single highly important issue. There have however only been 2 UK – wide referendums which shows that on matters of national importance the government is not quite as keen to hear everyone’s point of view. The electorate is rarely consulted directly via the use of referendums as opposed to more democratic countries such as Switzerland. On the rare occasion the government concedes and allow the voters a direct say, if they chose to do so they could ignore the result as referendums are not legally binding. Power rests with Parliament and although in theory our MP’s represent their constituents’ views the government is free to pursue its own agenda once it is in power. In the AV referendum of 2011 implementation of a voting system of proportional representation was rejected. The â€Å"No† campaign was fought using a mixture of scare tactics and lies and active participation in the vote was not readily encouraged by either of the two most powerful political parties as they would stand to lose a lot under a fairer voting system. The current system of FPTP ensures that an MP can be elected without a majority of votes which is highly undemocratic. Another undemocratic feature of British democracy that is having the status quo maintained is the unelected House of Lords. Only two countries in the world allow hereditary politicians – Lesotho and the United Kingdom. The elected representatives in the commons voted against further reform of the House of Lords despite polls continuously showing support for greater reform. From just this one example can it be said that MP’s are truly representing the people they are supposed to? It is possible that a significantly contributing factor of this democratic deficit is the lack of political education available. The average layman does not have time to thoroughly research political issues and will get their only political news from the Metro or Evening Standard, and if the Leveson report is implemented in full it would not be a far cry to the press no longer being free. The government should be spending a great amount of effort into educating the populace on political issues as â€Å"the ignorance of one voter in a democracy impairs the security of us all†. Whether intentionally or not by raising tuition fees to an inaccessible level the government has succeeded in preventing thousands of disadvantaged, but educated, students who would clamour for reform. Michael Gove has now changed the curriculum to allow citizenship lessons to be optional, thus removing all chances of political education whilst in compulsory schooling. Supporters of the UK as a thriving democracy would point to things such as devolution to say that the government is trying to be democratic and open. The devolved assemblies even use PR instead of FPTP and they give power to people locally. It is the same problem as with referendums, whatever the assemblies pass is not binding. Westminster grants power to these devolved areas whilst retaining the right to veto their decisions. If a government so wished they could abolish the devolved assemblies completely. Devolution is just another one of the way the government tries to appear democratic while not promoting democracy. Freedom of Information Requests (FOI) are in principle a brilliant thing as they promote transparency and accountability of the government and local authorities, but as with so many things they do not work in practice as they do in principle. In 2011 over 10,500 FOI requests were refused, so once again power remains firmly in the hands of those who hold it rather than the people. The government is only open about the things it wants to be, it still reserves the right to keep quiet. The democratic deficit is very real and present in the UK and it is greatly affecting democracy in this country. Unless the issues which are causing this deficit are directly addressed and soon this country could very easily turn into a â€Å"democratic dictatorship† although in many ways it already is with the sweeping powers the PM has or the lack of true accountability at all levels of government. A majority of people are disillusioned not with democracy but with the archaic British political system and this disillusionment could lead from the spoiling of ballot papers to something much more serious such as civil unrest as demonstrated by the nationwide riots last year.

Earthquakes Essays (1532 words) - Plate Tectonics, Subduction

Earthquakes Earthquakes Describe the frequency, origin and distribution of earthquakes at mid-ocean ridges, ocean basins, subduction zones and continental shields. Earthquakes are happening almost everyday all over the world. Most of the time earthquakes are not strong enough to be felt by people, but the shaking caused by an earthquake is recorded by a seismogram. These are located all over the world at different points. Only occasionally will a larger magnitude earthquake strike and cause damage to the region. Around the world there are many faults, depending where these faults are plays a major factor in determining where an earthquake will happen. It is these faults that are the reason for earthquakes. The type of fault will also determine how often an earthquake will happen. A mid-ocean ridge occurs under the sea at a divergent boundary. This is where two plates are been pulled apart because of tension. This then allows new oceanic crust to be made in the divergent boundary, as magma rises and eventually sets on the sea floor. If the plates on either side of the divergent boundary continue to spread then the ocean slowly becomes larger in width, a process called seafloor spreading. Mid-ocean ridges are characterised by a crack like valley at the divergent boundary. This crack like valley is caused by the tension pulling the plates apart, causing normal faulting to occur a number of times in the divergent boundary. It is these normal faults that are the cause and therefore the origin of earthquakes at divergent boundaries. When the tension pulling apart the two plates becomes too much then the oceanic crust will fracture. This fracturing is caused by many normal faults happening as shown in the diagram. The normal faults happen because the crust is been extended. When the tension becomes too much the faults slip vertically. They move a large distance in a relatively short space of time, this is the cause of the earthquakes at divergent boundaries. Divergent boundaries mostly occur on the sea floor and therefore the earthquakes that happen at these boundaries are distributed along the boundary. This means that the distributions of earthquakes at divergent boundaries are at shallow depths, where the crust is been pulled apart. The earthquakes happen at shallow depths because the normal faulting occurs near the sea floor, as a result of the tension. The normal faults are the cause of the earthquakes at these divergent boundaries. The seafloor sees the most intense tectonic activity in the world, meaning that at the sites of mid-ocean ridges the frequency of earthquakes is very high. An example of a mid-ocean ridge is the Mid-Atlantic ridge, there the seafloor is spreading at a rate of about 3cm per year. The frequency of earthquakes at a mid-ocean ridge will depend on how much tension is happening at that point. The more tension means the more seafloor spreading, resulting in a higher frequency of earthquakes at a particular mid-ocean ridge. Four major oceans make up most of the water in the world, The Atlantic (north south), The Pacific, The Antarctic and The Indian Ocean. Within the basins of these oceans earthquakes can happen without been caused at Mid-ocean ridges, or a Subduction Zones. When the earths crust is under tensional forces the crust will become much thinner than normal, if there is no fault. This means that the crust becomes weaker as it is thinner than normal. This can happen to the oceanic crust in the ocean basins, but will only cause an earthquake with a hot spot. A hot spot is an abnormal hot rising area of the mantle that supplies the lava for volcanoes. If at the same time a hot spot is directly below a thinned crust then the magma in the hot spot may hold too much pressure to be held by the thinner weakened crust. If this is the case then the magma can penetrate the lithosphere, and eventually erupt on the surface. The action of the magma forcing its way up can trigger earthquakes as it breaks through the crust. When its breaks through the crust at the sea bed eventually a volcanic island will be formed in the middle of the ocean. Due to plate movements this can lead to the creation of mid-plate chains of basaltic volcanic islands, e.g. Hawaii. The creation of these islands around the world has happened in other places. Frequent large earthquakes do not happen along the Hawaiian chain, it is an essentially an asesimic ridge. Therefore the frequency of earthquakes caused in ocean basins by hot spots is very low. The distributions of these earthquakes that do occur

Free Essays on Our Nation Torn Within

# In Chaucer’s description of the Knight, discuss whether you agree or disagree with Chaucer’s intentions to represent the ideal of Knighthood. Chaucer describes the knight as having some very real and obvious flaws such as, dishonorable behavior, and having ignoble apparel. Because Chaucer gave the Knight such imperfections, his intentions to represent the ideal Knight did not seem sensible. The reason why the Knight wanted to go on a pilgrimage was because he wanted to cleanse his spirit of dirt that many wars imposed on it. Because the knight went on the pilgrimage to cleanse his soul, chances are he didn’t have the best religious integrity. And if we use my definition of honor, not having religious integrity would lead to dishonorable behavior, which in turn leads to the idea that Chaucer created a dishonorable Knight. Instead of describing the â€Å"ideal Knight†, which would be courteous, and always in clean attire, Chaucer describes the Knight being dressed in dirty clothing. The reason for the Knight being dressed in dirty clothing was because the Knight just returned from battle. I think that Chaucer was using this stereotype to further illustrate that his Knight was not the â€Å"ideal Knight†. Chaucer says that the Knight is very courageous, very prudent, and very sage, but never once says that the Knight is honorable. Also it is no where mentioned that the Knight is kind to orphans, poor people, or even widows. These are all things that an honorable Knight should do, as part of their code of Chivalry. Chaucer describes how the Knight participated in the Crusades that were mostly centered on pillaging and looting. The Crusades were not looked at as very honorable. One of the lines in the Knight’s description states, â€Å"And almost beyond price was his prestige.† This line alludes to the fact that the Knight was a paid fighter, which puts him in the same category with mercenary. Mercenaries were... Free Essays on Our Nation Torn Within Free Essays on Our Nation Torn Within # In Chaucer’s description of the Knight, discuss whether you agree or disagree with Chaucer’s intentions to represent the ideal of Knighthood. Chaucer describes the knight as having some very real and obvious flaws such as, dishonorable behavior, and having ignoble apparel. Because Chaucer gave the Knight such imperfections, his intentions to represent the ideal Knight did not seem sensible. The reason why the Knight wanted to go on a pilgrimage was because he wanted to cleanse his spirit of dirt that many wars imposed on it. Because the knight went on the pilgrimage to cleanse his soul, chances are he didn’t have the best religious integrity. And if we use my definition of honor, not having religious integrity would lead to dishonorable behavior, which in turn leads to the idea that Chaucer created a dishonorable Knight. Instead of describing the â€Å"ideal Knight†, which would be courteous, and always in clean attire, Chaucer describes the Knight being dressed in dirty clothing. The reason for the Knight being dressed in dirty clothing was because the Knight just returned from battle. I think that Chaucer was using this stereotype to further illustrate that his Knight was not the â€Å"ideal Knight†. Chaucer says that the Knight is very courageous, very prudent, and very sage, but never once says that the Knight is honorable. Also it is no where mentioned that the Knight is kind to orphans, poor people, or even widows. These are all things that an honorable Knight should do, as part of their code of Chivalry. Chaucer describes how the Knight participated in the Crusades that were mostly centered on pillaging and looting. The Crusades were not looked at as very honorable. One of the lines in the Knight’s description states, â€Å"And almost beyond price was his prestige.† This line alludes to the fact that the Knight was a paid fighter, which puts him in the same category with mercenary. Mercenaries were...

Motivating high performance Research Paper Example | Topics and Well Written Essays - 500 words

Motivating high performance - Research Paper Example In this session there are five basic steps that are going to be followed (Delbecq, VandeVen & Gustafson 7). They are broadly going to be used as a template to generating formidable themes aimed at improving the activities of the group. The first step will be to introduce the group members to the purpose and the procedures that will be followed in the realization of the goals set. This should not take more than 10 minutes as the members have a pre-generated agenda for the meeting in advance. In the second step, each member present will be provided with a sheet of paper where they will be required to silently detail their ideas without consultation with other members. Here, they are encouraged to jot down as many ideas as they can think of. This step will take approximately 15 minutes. The third step will involve the sharing of the ideas generated. At this stage, the ideas presented to the group by each member are jotted down on a chart using key words until all ideas from all members have been heard and recorded. Then, each member is given 20 minutes to write down any new ideas that they may have gotten from the discussion. This process is very important as it allows members to brainstorm and exhaustively generate any possible ideas on the issue being discussed. The fourth stage allows for members to seek clarifications on the ideas generated. Here, each member is given a small amount of time to elaborate on their ideas without taking too long. The facilitator ensures that the process is neutral and no criticism is leveled against any idea. There is no single idea that is eliminated at this stage. This may take up to 45 minutes. The last stage involves voting on the ideas with a view to ranking them in order of the most and least favored. Here, the scale method will be applied where numbers 1 up to 10 will be used with 10 signifying the most favored and 1 signifying the least favored. This ensures

Air Pollution Research Paper Example | Topics and Well Written Essays - 750 words - 1

Air Pollution - Research Paper Example Air pollution emanates from air pollutants. These are substances that have adverse effects on the natural ecosystem when released into the atmosphere. The air pollutants can be liquid droplets, gases, or solid particles. The pollutants are either generated through the natural processes or by the action of human activities. One of the commonest natural sources of air pollution is the volcanic eruption. The gases emitted through volcanic activities may contain toxic pollutants such as sulphur dioxide and carbon monoxide. The human activities that cause air pollution are mainly due to industrial production. Many modern factories emit sulphur dioxide through the production processes. The pollutant can also build up in the air due to the reaction of other gases such as sulphur monoxide with oxygen. In other words, the presence of oxygen in the air causes pollution after some non-polluting gases react with oxygen (Haerens 12). Sulphur may react with oxygen in a chain of processes leading to the emission of sulphur dioxide. Similarly, oxygen may react with carbon in a chain of reaction processes leading to the emission of carbon monoxide, an air pollutant. The other source of air pollution is the oxides of nitrogen. They result from human activities, especially due to motor vehicle exhausts. Some vehicles are not fitted with the required catalytic converters to convert the oxides into the non-polluting nitrogen gas. When the oxides of nitrogen combine with those of sulphur in the atmosphere, the air becomes unpalatable and unsuitable for human health (Ayres, Robert & Roy 4). The result is the outbreak of skin cancers and other infections associated with the pollutants. Likewise, the emission of carbon dioxide into the atmosphere is directly associated with global warming. The gas causes greenhouse effect that leads to the preservation of more heat in the earth’s atmosphere. Although the sources

Advantages And Limitations Of Mobile Applications Information Technology Essay

Advantages And Limitations Of Mobile Applications Information Technology Essay Mobile applications are a quickly emerging section of the overall mobile market. These applications are made up of software that runs on a mobile device and carry out specific tasks for mobile phones and Pocket PCs. The focus of this paper is to describe the business advantages and limitations of the Best Buy Geek Squads wireless Pocket PC mobile devices and how they overcame those limitations. Additionally, describe the software development challenges of wireless mobile devices and how Medstar Health and Unifi met those challenges. Lastly, identify the advantages and limitation of companies using software packages already unavailable for use with wireless devices. Best Buy Background For many of todays businessman, Pocket PCs have become like another appendage. While there are some definite advantages to carrying a Pocket PC, its easy to overlook some of the obstacles associated with conducting business on them. The Geek Squad is an ancillary of the Best Buy Company which is headquartered in Richfield, Minnesota. The company offers a variety of computer-related services for both residential and commercial customers. Geek Squad agents provide both in-store, on-site services, as well as, Internet, and additionally also provides 24-hour telephone and emergency support. Best Buys agents are equipped with Sprint PPC-6700 Smart Devices, a Pocket PCs/cell phone combination that run on Windows Mobile 5.0 (OBrien Marakas, 2008). Advantages and Limitations There are many advantages to the Geek Squad Agents using the Sprint PPC-6700 Smart Device. One advantage is that these devices have full access to Sprints EV-DO third-generation cellular network, and have complete Web browsing capabilities (Geek Squad, 2010). When an agent is on the road and needs directions to his next job, he can quickly access Google or Yahoo maps and easily navigate to his destination, rather than having to fumble around with a map or to call back to Best Buy dispatchers. Additionally, agents can use their wireless devices to log onto Best Buys order system where they can obtain price quotes, process payments, complete transactions, and generate receipts for the customers. As with most devices, the Sprint PPC-6700 does have a down side. The problem the Geek Squad agents are having with this device is the small slide-out keyboard. The small keyboard limits their ability to type quickly and accurately, therefore wasting precious time (OBrien Marakas, 2008). Overcoming Limitations Along with battery life, inputting text is one of the most difficult problems for users of mobile devices. First and foremost, the problem is lies in the physical size of the keyboard, followed by the conflicting needs of speed and familiarity. As wireless data services flood into the market, the need for efficient text entry is becoming ever more critical, yet essential tradeoffs limit the practical options. Best Buy solved its problem with the Sprint PPC 7600 with the use of handwriting recognition software. Handwriting recognition is a method by which a computer system can recognize letter, characters and other symbols written by hand in ordinary handwriting. This type technology is generally used on devices such as PDA and Pocket PCs where a stylus is used to write on a screen, after which the computer program converts the handwriting into digital text (Handwriting Recognition, 2009). Geek Squad agents can hand write notes that go directly into Best Buys order system to be used a reference for later transactions. The next time a customer calls in with a problem, the agent can quickly pull up his notes for quicker and more reliable customer service. Prior to this technology, agents would have to wait until they got back to the office to enter the customers information into the system. According to one agent, it saves them 10-15 minutes that could have otherwise been spent helping a customer or traveling to the next job (OBrien Marakas, 2008). Although this is a big improvement, Best Buy is not fully content with the limitations of the current handwriting recognition software. They are now testing voice recognition software will permit agents to open and close programs with voice prompts allowing for quicker and better customer service. Voice recognition is a computer technology that uses audio input for a means of entering data instead of the using a keyboard. Speaking into a microphone delivers the same result as typing words physically with a keyboard. Vo ice recognition software is constructed with a database of identifiable words or phrases. The computer program matches up the voice audio signature with the equivalent entry in the database (Voice Recognition, 2009). Although, changing speech into text might sound simple, it is enormously difficult. The problem starts with an almost infinite assortment of speech patterns and accents, compounded by the tendency for people to run words together or the use of slang words. Software Development Challenges Mobile systems and mobile applications have gained a lot of attention both in research and industry over the last years. The market share of mobile devices is constantly growing. More and more, users expect their mobile devices to provide functionality similar to the one they know from their desktop computers, but also to provide additional, mobile device specific functionality, like location based services. However, software development for mobile devices is still cumbersome and a methodology geared towards supporting the development of such mobile applications is still lacking. One key factor for the commercial success of mobile devices is the quick development of software applications (Software Challenges, 2010). On the other hand, developing mobile software can be especially difficult since applications need to be conscience of and adapt to changing resources such as battery life and bandwidth. At one point in time it appeared like some standardization might occur and a common platform emerge, but most attempts have stumbled, and ultimately come up short of the ideal they set out to accomplish. None of these approaches were specifically at fault. They each simply met a specific set of needs during which the evolution of mobile devices that made the best of existing hardware and bandwidth limitations. The problem that each of them faced was the speed of evolution of mobile technology (Grotnes, 2009). It is true that mobile devices are still restricted by screen size, lack of a full size keyboard, and limited bandwidth. But there are already plenty of mobile devices with readable screens, 3D graphics, touch screens, accelerometers, compasses, and GPS capability. The functionality is in place for some outstanding state of the art applications and for smart developers to exploit. On the other hand, there is little standardization as hardware manufacturers struggle to get the best out of their devices (Grotnes, 2009). Conquering Challenges MedStar Health is a non-profit healthcare organization that is facing similar software development challenges. MedStars IT department supports thousands of nurses and doctors, who use a multitude of mobile devises such as Pocket PCs, PDA, Blackberrys, and Palm Treos. Since there is no clear cut leader in mobile technology, it is hard for MedStars IT Department to push for a standard device. Because MedStars nurses and doctors are not forced to use a standard device, it is difficult for their IT Department to keep up with new mobile devices and ensure they are compatible with the companys applications. To overcome these challenges, MedStar thought outside the box and worked with vendor to tailor applications that would work on a wide range of devices. MedStar chose to work with Siemens Medical Solutions and came up with a software solution that allows medical practitioners to access their patients information through Siemens Invision mainframe using any of their mobile devices. This t ype of thinking by MedStars IT Department allowed the company to meet its goals without having to sacrifice any functionality. Many times off-the- shelf applications will not meet the needs of a customer and may require some tweaking by the manufacturer to accommodate its customers specific needs. Conclusion A management information system is a system or process that provides information needed to manage organizations effectively (Computer and Information Systems Managers, 2010). As with the case of Best Buy and MedStar, their overall strategies were affected by MIS. Best Buy chose to use standard mobile devices and off-the-shelf applications to meet both its customers and employees needs. Whereas MedStar, decided it was better for them to develop specific software to overcome their challenges. Neither way is right or wrong, it just depends on your specific situation and needs. In a slowing economy, MIS strategies would definitely have to be reevaluated to ensure the organization is being managed effectively. In the case of MedStar, I would opt for the strategy the Geek Squad took with standardizing mobile devices and using off-the-shelf applications. In a slowing economy, this would save a considerable amount of time and money not having to develop software that is compatible for a mult itude of different devices. Additionally, a smaller IT Department could be utilized, saving thousands of dollars in nonessential personnel.

Faults of Woven and Knit Fabric

Faults of woven fabric: Bar: It is a band running across the full width of cloth. Pick bar due ti difference in pick spacing Tension-bar due to difference in weft tension Weft-bar due to difference in material count, twist etc Box marks: The causes of box marks are – Dirty box Shuttle riding over the weft Dirty shuttle Dirty picking and ticks Broken pattern: It occurs due to wrong drawing of threads insertion of thee pick, incorrect lifting of warp threads. Broken pick: A pick missing of the fabric, due to rough shuttle eyes, poor winding and weft yarn breakage. Defective selvedge: Curled selvedge Cut selvedges Loppy selvedges Slack selvedges Pulled selvedge Tight selvedge Uneven selvedge Float stitches: A place where warp and weft yarns escape the required interlacement. If occurs for improper warp stop motion. Fuzzy: it occurs for the present of hairy and abraded yarns. Hang pick: A pick which is out of line and is a triangular shape. Missing ends: Gap of warp yarns is the main causes Reed marks: Due to this fault cloth shows irregular spacing between groups of warp yarns across the fabric width. Shuttle marks: Width way marks due to abrasion of warp yarns by the shuttle. Stain: Major problems on woven fabric Oil, Dust, Soil, Carbon particles in the air may cause stains. Uneven cloth: It produced when take up motion is faulty, broken ratchet wheel is also responsible. Some mechanical faults: Reed marks Shuttle flying out Shuttle trapping Loom hanging Loom stopping Weft cutting Bumping Knitting Faults: Holes: Holes are the result of yarn breakage. It occurs for the following causes – Uneven yarn Badly set of yarn feeder Knots, slubs etc in yarn Yarn tension is too high Yarn is too dry Drop stitches: Those are the result of a defective needle. It also occurs when a yarn is not properly fed during stitch formation. Cloth fall –out: it is an area consisting of drop sitiches lying side by side. Snags: It occurs when filament yarns are processing. It occurs for higher twist and lesser crimp elasticity. Double stitches: These occur due to badly knitted or non-knitted loops. Vertical stripes: It is observed as longitudinal gaps in the fabric. When the space between Wales is irregular it occurs. Horizontal stripes: Horizontal stripes are caused by unevenness in the courses. Soil stripes: Soil stripes can appear both in the direction of Wales as well as courses. Color fly: Color fly consists of singe fibres, brunches of fibre of yarn pieces in varying colors. Distorted stitches: Due to it if become unsettled fabric and fabric appearance is skitter. Write about BAN (Barium Activity Number): Barium activity Number = (? Ba(OH)? _2 Absorbed by mercerised cotton material)/(? Ba(OH)? _2 Absorbed by unmercerised cotton material) BAN is always greater than 100 Standard range of BAN 115 – 135 Highly mercerized range 140 – 150 possible If BAN < 115, Mercerization wille be uneven Write ablout Water Hardness: Hardness is a term applied to water denoting a measurement of its PH and metal salt contest. Classification of water according to hardness – DescriptionTotal hardness (Degree) Very soft 0 – 40 Soft 5 – 80 Shild 9-140 Fairly hard 15 -180 Hard 19 -300 Very hard > 300 Determination of water hardness: The following Reagents are required for hardness measermet Buffer solution EDTA (Ethelene Diamine Tetraacetate ) (. 02 N or . 01 M) Indicator solution 0. 05 gm (Solochromo black WDFA) Mixture of alcohol and tri-ethanol amine Calcium solution – Take 1 gm CaCO3 and dried at 1650C Cover with clock glass and add water (50-100 ml) Add 20. 5 ml HCl Warm and next Cool Transfer to one litre volumetric flask Determination of total Hardness: Total Hardness = (T? 1000)/V mg/L CaCO3 Where, V = Wt. f solution (50 -100) into conical breaker T = Total amount of EDTA used to get reddish tinge disappear. Weight loss in Pre-treatment: The weight of unscoured and scoured were taken separately at the same moisture content and then weight loos is measured in %. Weight loss = (Wt. of Unscoured fabric-Wt. of Scoured fabric )/(Wt. of Unscoured fabric) ? 100% Standar d range of Weight loss = 4 – 8% Fabric and knit: (Questions) Faults of woven and knit fabric. Different variables of woven fabric. BAN (Bariem activity number) Hardness measurement of H2O. Wt. loss in pre-treatment (Scouring, bleaching, desizing etc)

How do family traditions and cultural legacies contribute to and/or inhibit an individuals self-identity? Essay

Are Test Scores a Good Indication of a School’s Competency? Ever studied for a test and still manage to receive a failing score? It happens to almost all of us. Schools may effectively or ineffectively design study material for a chapter, but to me it does not have a big effect of the overall resulting test scores. A high grade average depends on the students’ method of studying and comprehension, the way that the instructor teaches the material, and the way that the test it produced. On numerous occasions, students have reviewed specific test material and gained plenty of confidence for success, but failed with the most horrifying score of their life. On the other hand, some students may choose to cram as much as they can right before taking the test and excel. Every student has a different level of comprehension; some may learn faster than others, or be a different type of learner. Normally, students will be informed of an approaching test, this way each student know to more attentive during class time and while studying. The amount of tine that one has to prepare for an upcoming test varies. That length of time may be brief or extended. Because of the fact that every student is different, the time they may require to study effectively varies. I personally need about a week’s worth of study time to retain most of the appropriate information. Some may only need a few days. This can sometimes be a reflection of the way the material has been taught to a stud ent. For effective education retention, a study plan must be well-organized and taught thoroughly. Some instructors become lackadaisical causing the students to not be fully prepared for a final test while depending solely on that professor’s teachings. No matter how organized and thorough a lesson plan is designed, if the material is not taught right, the scores will not be right. Students should not depend only on the professor. They should combine what is taught to the with their own study method so that they can comprehend. A lot of times, students will believe that attending class and paying attention is enough which is false. They can be taught one way and be tested on it the subject in another form. Often times, students may say, â€Å"that had nothing to do with what I studied  all week for.† From my past experiences, I would study diligently for a test and find that the test asks questions that were not given examples of in the study material. That has to be one of the most frustrating things for a student. If schools were to have tests contain more of what was taught to the students, there would be a higher test grade scale. By this I mean that tests should ask similar questions that the homework asks or that were given in examples. I am sure that many can relate to a test asking questions that they have never seen. To sum it all up, the end result of a test depends on how much effort is put forth from the student, the student’s comprehension level, and the effectiveness of the instructor’s teaching method. There may be an A student who experiences test anxiety, this can cause low testing scores. There may be a student who cheats, of course, this mainly results in higher scores. There also may be a student who just happens to be a great test taker. Test scores are not a good indication of a schools competency.

Ethical Dilemma - 1463 Words

Ethical Dilemma PlentErgy is an openly traded oil and gas exploration company with operations mostly in Texas and Oklahoma. We do not want to miss the oil exploration in North Dakota. We are highly skilled in hydraulic fracturing or fracking, which is a technique that is used to release oil and gas from rock formations. We are confident that we could use fracking safely to release oil and gas from sites in North Dakota. The ethical dilemma that stands in the way is fracking is closely linked to waste disposal. Millions of galloons of salty, chemical infused wastewater, know, as brine is part of fracking. Oil companies are dumping and spilling the waste onto the land and waterway with increasing regularity. They are supposed to put the†¦show more content†¦With the hundreds of thousands of galloons of brine that is spilled every year and that number is increasing with more oil companies coming there has only some cases where the oil companies actually owned up to there mistakes and tried to fix what happened. The oil companies committing crimes also shows distributive justice in this case and they should be held for the cost of the victims suffering. They are destroying these people lives, these people have been there for many years before the oil companies have but they are just coming in and taking over their land and destroying it. The oil companies need to take action for what they are doing and own up to their mistake. Once again the best alternative is to not spill the brine and if we do we will take care of it. This shows that we are paying for the actions that we have committed if we do spill the brine onto the farmland. We own up to what we did and we will do the best that we can to respect the famers that have been there before us because they are to trying to make a living. The second alterative once again is not a good idea because this shows that we do not care about the people that were there before us and that we are just in it for the money, like all th e other oil companies that are there. Utilitarian Ethics The purpose of a utilitarian ethics analysis is to find what producesShow MoreRelatedEthical Dilemmas Of The Workplace1538 Words   |  7 Pages1. Discuss an ethical dilemma that you have had to face in the workplace. Ethical dilemmas often occur when a manager or an employee is faced with two or more conflicting choices. Give as many facts and details as possible in describing your dilemma. The most difficult ethical dilemma I have dealt with was a summer job I had this past summer, while I was working for a bakery in my hometown. 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