Monday, August 24, 2020

Setting In Tess Of The Durbervilles Essay Example For Students

Setting In Tess Of The Durbervilles Essay The Role of Setting In the novel Tess of the DUrbervilles by Thomas Hardy, Tess is confronted with a wide range of levels of joy, from unadulterated bliss to outright misery. As she moves from area to area, the setting of these spots depicts Tess delight. From her unadulterated joy at Talbothays Dairy, to the defining moment of Tesss satisfaction at the old DUrberville house, to her most unforgiving remain at Flintcomb-Ash, to her last happiness before her passing at Bramshurst Court, the peruser sees climatic changes that lessen then move back up. Strong completely shows through his portrayals of her environmental factors how Tess will feel while positioned in each spot. After Tesss life has been destroyed by Alec DUrberville she needs to look for shelter. By leaving her old neighborhood of Marlott, she can begin her life once more. She escapes to the joyful air of Talbothays Dairy. As Tess traverses the edge of the slope it appears as if she is exchanging universes. Hardys depictio n depicts the field as a billiard table of uncertain length (Hardy 98) with a covered level, which extended toward the east and the west to the extent the eye could reach (97). The land is depicted as being as boundless as Tess bliss. The region is rich and wonderful, and here, Tess can unwind and be liberated from before. Tess unconventional eye (98)sees distinctive green greenery (98). This gives the region an innocent intrigue, as if you can be youthful and upbeat while at Talbothays Dairy. Tess feels warm as she watches the shadows with as much consideration over each form as though it had been the profile of a Court delight on a royal residence divider (98). Indeed, even the bovines have a grand attraction as the white mirrored the daylight in amazing brilliancy (99). Talbothays Dairy is gleaming with satisfaction and this glow discovers its way to a well-requiring Tess. Tess can feel cheerful again and that she truly had established another framework for her future. The convic tion reared tranquility (101). This upbeat inclination proceeds all through Tess remain, as she remeets Angel, and experiences passionate feelings. After their marriage, Tess and Angel go to live in an old DUrberville house close Wellbridge Mill. As they are leaving Talbothays Dairy they hear a rooster crow. The group promptly thinks about the old wifes story of an evening cockerel meaning misfortune. While they attempt to excuse it saying that its not what you think: tis unimaginable! (Tough 202), it sets the setting for what is to come. The state of mind and setting upon their appearance to the DUrberville house are inauspicious, proceeding with the roosters impact. Tess is discouraged by the house, shouting Those ghastly ladies! (Strong 203) when she sees representations of her precursors. As the night developed longer the tranquil dead leaves of the previous pre-winter were mixed to bothered revival, and spun about reluctantly, and tapped against the screens. It before long star ted to rain (Hardy 204). Tess joy starts to waver with the downpour. She continues to reveal to Angel the account of her past, while the cinders under the mesh were lit by the fire vertically, similar to a torrid waste (Hardy 211). Solid depicts the coals in the fire as having a Last Day startling quality which infiltrates to Tess, and results in her isolating from Angel. This secretive air is depicted by Hardy so as to be a defining moment and start the abatement of Tess delight . Because of her past, Angel leaves Tess, and Hardy sends her to work at Flintcomb-Ash. Flintcomb-Ash is appeared as a severely unforgiving spot. It is through this inauspicious environment that Hardy shows when Tess arrives in a desperate predicament of her bliss. Indeed, even while Tess is going towards Flintcomb-Ash Hardy shows the change. The air was dry and cold and the long truck streets were blown white and dusty inside a couple of hours after the downpour (263). Tess turns out to be a piece of the s troke of raindrops, the consume of sunbeams, and the pressure of winds. There is no energy in her now (262). Tess ends up moving toward a region of unpredictable chalk - table land (263) contrasted with the lavish, green fields of Talbothays Dairy. She enters the remaining parts of a town in a slight melancholy (263). The land is awful with its difficult soil (264) and Tess understands that the dividers to be the main companion she (264). It is suitable that the town is loaded up with despairing depictions, as this is actually how Tess feels. Her dejection, similar to that of the town was unnecessary (264). This melancholy stays with for whatever length of time that she remains at Flintcomb-Ash. It is noteworthy of the considerable number of hardships Tess has gone through, from she encounters with Alec to her difficulty with Angel, that Tess sees the ruined dreary (267) of a land in various degrees of clamminess (267). Tess heart is as cold as the land. Flintcomb-Ash makes Tess spi ritless. She is horrid without Angel and will remain so for whatever length of time that she remains. After Alecs demise, Tess and heavenly attendant sneak cheerfully off to a vacant house cozy in the forested areas of Bramshurst court. While here Tess can become cheerful again, particularly because of the rejoining of herself and genuine romance. The house is infiltrating with acceptable characteristics , similarly as Tess feels; she is free and in adoration. The climate was peacefully brilliant, and during the evening it was very warm (365). In the wake of entering the cabin a pole of amazing daylight looked into the room (366), and Tess troubles can rest finally! (366). The following morning , however wet and foggy evidently had no indication of distress (367). Not a sight or sound of individual upset their tranquility, for example, it was (367). They were allowed to adore each other in harmony. The whole house was hung in agreeable warmth. Upon their leaving Tess moans, Ah, glad house-farewell! (369). It is while at Bramshurst court that Tess feels her most prominent bliss and harmony, and Hardy shows that well through his light and happy depictions. From the fun loving climate at Talbothays Dairy, to the puzzling despair clear at the old DUrberville house, to the dEnglish Essays .u501f493776fac6d6bb7cc1de1180140d , .u501f493776fac6d6bb7cc1de1180140d .postImageUrl , .u501f493776fac6d6bb7cc1de1180140d .focused content region { min-stature: 80px; position: relative; } .u501f493776fac6d6bb7cc1de1180140d , .u501f493776fac6d6bb7cc1de1180140d:hover , .u501f493776fac6d6bb7cc1de1180140d:visited , .u501f493776fac6d6bb7cc1de1180140d:active { border:0!important; } .u501f493776fac6d6bb7cc1de1180140d .clearfix:after { content: ; show: table; clear: both; } .u501f493776fac6d6bb7cc1de1180140d { show: square; progress: foundation shading 250ms; webkit-change: foundation shading 250ms; width: 100%; mistiness: 1; progress: darkness 250ms; webkit-change: murkiness 250ms; foundation shading: #95A5A6; } .u501f493776fac6d6bb7cc1de1180140d:active , .u501f493776fac6d6bb7cc1de1180140d:hover { haziness: 1; progress: obscurity 250ms; webkit-change: darkness 250ms; foundation shading: #2C3E50; } .u501f493776fac6d6bb7cc1de1180140d .focused content region { width: 100%; position: relative ; } .u501f493776fac6d6bb7cc1de1180140d .ctaText { outskirt base: 0 strong #fff; shading: #2980B9; text dimension: 16px; textual style weight: intense; edge: 0; cushioning: 0; text-adornment: underline; } .u501f493776fac6d6bb7cc1de1180140d .postTitle { shading: #FFFFFF; text dimension: 16px; text style weight: 600; edge: 0; cushioning: 0; width: 100%; } .u501f493776fac6d6bb7cc1de1180140d .ctaButton { foundation shading: #7F8C8D!important; shading: #2980B9; fringe: none; fringe sweep: 3px; box-shadow: none; text dimension: 14px; textual style weight: striking; line-tallness: 26px; moz-fringe span: 3px; text-adjust: focus; text-beautification: none; text-shadow: none; width: 80px; min-tallness: 80px; foundation: url( arrow.png)no-rehash; position: supreme; right: 0; top: 0; } .u501f493776fac6d6bb7cc1de1180140d:hover .ctaButton { foundation shading: #34495E!important; } .u501f493776fac6d6bb7cc1de11 80140d .focused content { show: table; tallness: 80px; cushioning left: 18px; top: 0; } .u501f493776fac6d6bb7cc1de1180140d-content { show: table-cell; edge: 0; cushioning: 0; cushioning right: 108px; position: relative; vertical-adjust: center; width: 100%; } .u501f493776fac6d6bb7cc1de1180140d:after { content: ; show: square; clear: both; } READ: Themes The three significant topics are love, dependability, an Essay

Saturday, August 22, 2020

Fund Flow Analysis

Each business worry, toward the finish of its monetary period, gets ready Income Statements and Balance Sheet. Pay Statements show the net outcome, Net Profit, of the business tasks and contains different costs brought about and misfortunes and income earned during that period. Monetary record gives an outline of advantages and liabilities as on a specific date and shows the money related situation of the business. The liabilities side of a monetary record shows the sources from where assets are raised and the benefits side shows how the assets raised are used. Yet, it doesn't show the causes or purposes behind changes in resources and liabilities, stream of assets, between two accounting report dates. Consequently, an announcement is set up notwithstanding the Income Statements and Balance Sheet, to show changes in resources and liabilities between two asset report dates, which is known as Fund Flow Statement. It is an announcement, otherwise called Statement of Changes in Financial Position, intended to break down the progressions in monetary state of a worry between to determined dates. The Term â€Å"Fund† The term â€Å"Fund† can be clarified from multiple points of view. In the tight sense, it implies money as it were. Exchanges including money receipts and installments are considered in this methodology. In the more extensive sense, support implies working capital, which is the abundance of current resources over current liabilities. For subsidize stream examination, the more extensive methodology, working capital methodology, is thought of. The word â€Å"Flow† implies change and â€Å"fund flow† implies change in assets or change in working capital. Any expansion or reduction in working capital is stream of assets. Stream of assets might be either inflow of assets or outpouring of assets. Inflow alludes to wellsprings of assets and outpouring alludes to uses of assets. On the off chance that an exchange gets any change working capital, progression of assets happens. This will happen when changes happens in the estimations of fixed resources, share capital, long haul obligations and so on with the comparing changes in the estimations of current resources or current liabilities. Numerous exchanges which occur in a business endeavor may increment or abatement its working capital or even may not influence any adjustment in it. Following are a few models: Purchase of fixed resources: When a benefit is bought, money is going out there by lessening the money balance. The impact of this exchange is that working capital declines and this change (decline) in working capital is called as use of assets. Here the records included are Current Assets (Cash) and Fixed Assets. Issue of offer capital: This exchange will expand the working capital as money balance increments. This change (increment) in working capital is called as wellspring of assets. Here the two records included are present resources (Cash) and Shareholders’ Funds (Share Capital). Offer of Fixed Assets: The exchange will have the impact of expanding the working capital as the money balance increments accordingly expanding working capital. It is a wellspring of assets. Here the records included are present resources (Cash) and Fixed Assets. Reclamation of debentures: This exchange has the impact of lessening the working capital, as it brings about decrease in real money balance. It is a use of assets. The two records influenced by this exchange are Current Assets (Cash) and Long-Term Liability (Debenture). Acquisition of stock: This exchange brings about reduction in real money and increment in stock along these lines keeping the all out current resources at a similar figure. Subsequently there will be no adjustment in the Working Capital. For this situation both the records included are Current Assets (Cash and Stock). Tolerating Bills Payable gave by leasers: The impact of this exchange on Working Capital is Nil as it brings about increment in charges payable (a present risk) and diminishes the loan bosses (another present obligation). Since there is no adjustment in complete current liabilities there is no progression of assets. The records required as present liabilities. Fixed Assets bought and installment is made by giving offers: This exchange won't have any effect on working capital as it doesn't bring about any change either in the present resource or in the present obligation. Henceforth there is no progression of assets. The two records influenced are Fixed Assets and Shareholders’ Funds (Capital a/c). From the above models, obviously there will be stream of assets when the exchange includes: a) Current resources and fixed resources b) Current resources and capital c) Current resources and long haul liabilities d) Current liabilities and long haul liabilities e) Current liabilities and fixed resources.

Saturday, July 25, 2020

You Can Get Charge-Offs Removed from Your Credit Report, But It Aint Easy

You Can Get Charge-Offs Removed from Your Credit Report, But It Aint Easy You Can Get Charge-Offs Removed from Your Credit Report, But It Aint Easy You Can Get Charge-Offs Removed from Your Credit Report, But It Aint EasyGetting an incorrect charge-off removed from your credit report is pretty simple. Getting an accurate one removed, however, is way harderâ€"and for good reason.Imagine if you took a test, and then your grade on that test followed you around for years and years afterward. You’re applying for an apartment, and your landlord looks at your grade. You almost have that great job offer in-hand, but first, your new boss has to check your results. Before you can get approved for a mortgage, guess what, the bank needs to double-check that you didn’t totally flunk.Have you imagined all that? Great. Well, it turns out that you don’t need to imagine anything. That test is called your credit report, and the grade for how well you performed on it is your credit score. In addition to being used on job and rental applications, the information contained on your credit report determines whether you can borrow money, plus the rates you’ll pay to do so.One of the nastiest black marks you can receive on your credit report is a charge-off. It shows that you have had trouble paying back your debts, and it will lower your score for years to come. Getting an accurate charge-off removed from your credit report isn’t impossible, but it’s very difficult. For more information, read on …What is a charge-off?A charge-off is what happens when you don’t pay back a debt that you owe. It could be on a loan or a credit card, but it could also be something like a utility bill. When a lender charges off a debt, they are writing it off as a loss. Sometimes they will then try to collect on it themselves, but more often than not they’ll just sell it to a debt collector. Your creditor then reports the charge-off to the credit bureaus, who mark it down on your credit reportTypically, a lender will wait 180 days (approximately six months) between when a payment for a debt is first due before they charge-off the acco unt. If you are able to make payments and get caught up during that time, they will likely report the late payment, which will do a number on your credit score. However, you can still avoid having the account charged off if you pay up before they cancel your account.One thing that needs to be made clear regarding charge-offs: Even though the account has been charged off, that doesn’t mean that you don’t owe that money anymore. You still do. Either the creditor themselves or the debt collector who purchased the debt is going to contact you seeking payment. They’ll usually settle for less than what was originally owed, but they could end up taking you to court and garnishing your wages in order to get what they are owed.How can a legit charge-off be removed?Once a charge-off is on your credit report, it will remain there for seven years. As time passes, it will affect your score less and less, but the damage will still linger. Most info on your credit report remains on there for seven years, although some informationâ€"like bankruptcies, for instanceâ€"will remain on your report for longer.If the charge-off is legitimateâ€"aka, if you really didn’t pay back that debtâ€"then getting the charge-off removed from your credit report is going to be exceedingly difficult. You can’t simply ask nicely that the credit bureau removes it. After all, that charge-off is an accurate reflection of your credit history. That would be like asking your teacher to change a wrong answer on a test just to be nice.What you can do is contact your original creditor. You can ask themâ€"very politelyâ€"what it would take in order to have the charge-off removed. At the very least, they’ll likely ask you to pay back at least a portion of what you owe.You and your creditor can then enter a “Pay for Delete” agreement. Under the terms of this agreement, you will pay off a certain percentage of your debt in return for the creditor updating your information with the credit bureaus and having the charge-off removed.This is much more likely to work when you are dealing with your original creditor than it is with a debt collector. It was the original creditor that made the report to the credit bureaus, so they are the only ones who can have it removed. And lets be clear: The odds of having your charge-off removed from your report entirely are not in your favor.Wed say that it doesn’t hurt to try, but entering a Pay for Delete agreement could violate your creditors contract with the credit bureau, so there are certainly risks. Just make sure that you retain your composure and remain polite during the negotiations. The odds are already long, but a bad attitude can make them much longer.If the charge-off is an error, here’s what you do.Everybody makes mistakes, even the credit bureaus. After all, they are maintaining credit reports on practically every adult in the United States. Incorrect information is bound to slip through, especially when two people have t he same name or share a current or former address. Incorrect information can also end on your report due to identity theft, but that is a much thornier issue.If there is an incorrect charge-off on your credit report, you’ll need to contact the credit bureau directlyâ€"and you’ll need to so in writing. Send them a “dispute” letter that outlines who you are, what information you would like to have removed, and why the information in question is incorrect. A good rule with dispute letters is to make it as easy as possible for the recipient to understand why the info is wrong. To that end, include as much documentation as you can.If you’re wondering how exactly to write a dispute letter, check out this  sample letter from the FTC. You can read more about this topic in our blog post: How Do You Contest Errors On Your Credit Report?Don’t trust folks who say they can remove legit charge-offs.Credit repair agencies are companies that promise to, well, help you repair your credit . While many of these companies are legitimate, there are tons more that are basically scammers, making big promises about instant results that they have no intention of keeping.One of the biggest red flags that you can find with a credit repair company is when they tell you that they can have truthful information like charge-offs removed from credit report. Sorry, that simply isn’t going to happen. The odds of getting a Pay for Delete agreement in place are incredibly slim. Any company that’s making promises like that is taking you for a ride.You can read more about warning signs with credit repair companies in our blog post:Looking for a Credit Repair Company? Here are 4 Red Flags to Avoid Getting Scammed. To learn more about how your credit history and credit score work, check out:A Brief History of Credit ScoresIs the Credit Blacklist a Real Thing or an Urban Myth?Yes, You Might Need a Credit Check to Rent a CarHave you ever gotten a charge-off removed from your credit repor t? We want to hear from you! You can find us  on  Facebook  and  Twitter.

Friday, May 22, 2020

Teen Pregnancy And Teenage Pregnancy Essay - 1591 Words

Introduction Most women become pregnant at some time during their life, but what if that time comes during the adolescent period in a woman’s life? Teenagers tend to take more risks than adults, whether it be with drugs, alcohol, or sex. In recent years teen pregnancy has decreased due to the fact women used to get married a lot younger, but in recent years it seemed to have become an epidemic in the U.S. However, thanks to shows such as Teen Mom and due to sex education in schools the teen pregnancy rate has decreased even more. Teens are still having sex, but they seem to be better educated in contraceptive forms as well. However, contraceptives don’t always work which can lead to teen pregnancy. Most adult women aren’t even ready to have a baby, but what about when a teen becomes pregnant? Their bodies may not be fully developed yet, they probably don’t have the support they need in order to handle a situation like getting pregnant, they are still tryin g to finish school, and the body image issues have probably already started. Whether we’re male or female, adolescence is already a hard time. Our bodies are changing, we’re confused about what is happening, we have to deal with new sexual urges, and it is just an overall confusing time. No teen thinks they will get pregnant when they decide to take part in sexual activities. A lot of teens are probably â€Å"messing around† in fear that they might get pregnant, but most of the time that can still lead to sexualShow MoreRelatedTeenage Pregnancy And Teen Pregnancy1664 Words   |  7 PagesTerrazas English 4 Miss Stahlecker 4 November 2015 Teenage Pregnancy According to, in 2013, a total of 273,105 babies were born to women that were in between the ages of 15-19 years old. Teenage pregnancy is a major concern in today’s society. This paper will talk about teenage pregnancy, statistics, ways to prevent teenage pregnancy, and after birth options. So why is teenage pregnancy so important? Some people are concerned about teens getting pregnant at such an early age. There areRead MoreTeenage Pregnancy And Teen Pregnancy1546 Words   |  7 PagesTeenage pregnancy is pregnancy in human females under the age of 20 at the time that the pregnancy ends. Low-income communities have the highest teenage pregnancy rates in the United States. Because of the fact that this is a very controversial issue in the United States, it is very important that most questions be addressed. Questions like, why is a teenage girl in Mississippi four times as likely to give birth as a teenage girl in New Hampshire? Or why is the teen birth rate in Massachusetts 19Read MoreTeen Pregnancy : Teenage Pregnancy1404 Words   |  6 PagesLauryn Jones Block 5 4/27/16 What is Teen Pregnancy? Teenage pregnancy is pregnancy in human females under the age of 20. A girl can become pregnant from sexual intercourse after she has begun to ovulate which can be before her first menstrual period, but usually occurs after the onset of her periods. In well-nourished girls, menarche usually takes place around the age of 12 or 13. Most teenage girls don t plan to get pregnant, but many do. Teen pregnancies carry extra health risks to both the motherRead MoreTeenage Pregnancy And Teen Pregnancy1743 Words   |  7 Pagesnegative media teenage mothers struggle to find the positive sides to motherhood. Teenage pregnancy can be dificult and life changing, but unlike the renowned negative beliefs all over the world, there are positive sides to teenage pregnancy. Most research that is done on teen pregnancy is based on the hardships and struggles on teen mothers, making it easy to forget the good that can come from teen pregnancy. A teenage mother can create a good l ife for herself and her children. Teenage mothers areRead MoreTeenage Pregnancy And Teen Pregnancy905 Words   |  4 Pagesâ€Å"16 and Pregnant†/ â€Å"Teen Mom† Promote or Discourage Teenage Pregnancy? (Agree/Promote) When it comes to the topic of do TV shows like â€Å"16 and Pregnant† and â€Å"Teen Mom† promote or discourage teenage pregnancy, most of us will readily agree that it in fact does promote teenage pregnancy. Where this agreement usually ends, however, is on the question of how does this promote teenage pregnancy. Whereas some are convinced that it promotes teenage pregnancy through the fame some of the young couples haveRead MoreTeenage Pregnancy And Teen Pregnancy871 Words   |  4 Pagesof do TV shows like â€Å"16 and Pregnant† and â€Å"Teen Mom† promote or discourage teenage pregnancy, most of us will readily agree that it in fact does promote teenage pregnancy. Where this agreement usually ends, however, is on the question of how does this promote teenage pregnancy. Whereas some are convinced that it promotes teenage pregnancy through the fame some of the young couples have achieved, others maintain that it in fact discourages teenage pregnancy by showing the struggles and realities ofRead MoreTeenage Pregnancy And Teen Pregnancy1057 Words   |  5 PagesTeenage pregnancy is a common thing here in America. It seems teens are getting pregnant more than the average married couple. There are some risk factors teen moms face and there is also another great turn outs. There is a major difference between the two. It’s important to tell teens the turnouts of teen pregnancy for the good and bad parts. There are risks of having sex, teen moms can make a difference for her and the baby, the risk of having HIV and/or any other STD’s, and the effects on theRead MoreTeenage Pregnancy And Teen Pregnancy1341 Words   |  6 PagesTeenage pregnancy is a prominent dilemma in our nation because it continues to place adolescents into delinquency. According to the United States Health and Human Services, three out of ten American teen girls will become pregnant at least once before they reach the age of twenty. That is nearly 750 ,000 teen pregnancies in a year (1) (HHS Pg.2 2014). Also according to U.S. Department of State, teen pregnancy budgets the United States and tax payers approximately seven billion dollars annually (2)Read MoreTeenage Pregnancy And Teen Pregnancy2089 Words   |  9 Pagessurprise me since this is something common here in the Imperial Valley; we have such a high rate of teen pregnancy. What really caught my attention was that she was not alone; she had in her cart a toddler that kept referring her to mom. All I could think of was that such a young girl should not be concerned with raising a child, especially not two. Most young girls should be spending their teen years hanging out with their friends, going to parties, and enjoying school, but getting pregnant soRead MoreTeen Pregnancy And Teenage Pregnancy1456 Words   |  6 Pagesteenagers (Kristof). Clearly, teen pregnancy is a concern among many people in the U.S. One way to help the teen pregnancy statistics would be birth c ontrol. Teenagers should have more access to birth control, particularly LARCs (long-acting reversible contraceptives), and be more informed about it. There are many reasons why this should be. For starters, it would help the child and the mother. It could also help the U.S. not be so high on the list of number of teen pregnancies in the world. Over time

Thursday, May 7, 2020

Liquidity And Liquidity Risk Management Essay - 1170 Words

Liquidity and Liquidity Risk Assets come in many forms, differentiating in their liquidity. Liquidity, by definition, is how easy an asset can be traded (Hertrich, 2015). Different assets have different abilities to be traded, cash being the easiest; hence cash is the most liquid asset. This causes price differentiation, where more liquid assets have higher price tags and lower trading costs (Hertrich, 2015). This makes more liquid assets more attractive for investors. When assets have low liquidity there are risks involved for investors because there is a chance that the asset cannot be turned into cash when needed. Liquidity risk calculates the difficulty of selling an asset in return for cash (Currie, 2011). Liquidity risk is associated with low liquidity; hence there is a negative relationship between liquidity and liquidity risk (Hertrich, 2015). This implies that the higher the liquidity risk of the asset, the less the possibility the asset can be traded. Typically, financial markets in developed countries are liquid; however, in the US during the Global Financial Crisis [GFC], many homeowners were unable to sell their houses due to declining prices and falling demand, so the housing market became illiquid (Currie, 2011). The GFC demonstrated how volatile liquidity can be and that â€Å"liquidity disruption could be system-wide,† seen by its global effect (Bessis, 2015). During the GFC, there was also a systemic bank crisis. At a bank’s perspective, liquidity is theShow MoreRelatedLiquidity Risk, Distinctions Between Asset Liquidity And Liability Liquidity Management Essay1838 Words   |  8 Pagesinvestigate liquidity risk, distinctions between asset liquidity and liability liquidity management, as well as the main features of an effective liquidity management. In order to gain insight of liquidity, there is a graph based on the liquidity ratio to analyze the liquidity risk of four major banks in Australia and the adva ntages and disadvantages of the liquidity ratio. Furthermore, it outlines how Basel III effects the banking liquidity management. Introduction In recent years, liquidity risk has becomeRead MoreDifferences Between Lcr And Aps 2101609 Words   |  7 Pagesand APS 210 â€Å"The new Basel III framework establishes higher liquidity requirements to ensure banks are better-equipped to absorb losses like those relating to the global financial crisis†. (Delimatsis Panagiotis, 2012) Basel III promotes LCR (liquidity coverage ratio), ratio of high quality liquid assets(HQLA) to total net liquidity outflows over 30 days. Theoretically, banks whose LCR is more than 100 percent possess sufficient liquidity to withstand a month of elevated financial stress. (HouseRead MoreFinancial Services : Hsbc Bank1663 Words   |  7 Pagesreferred to the liquidity management in HSBC Bank, seen from the statistics of annual report of HSBC, this bank did not suffer a great impact of 2008 financial crisis. Analysts focus on the efficiency of HCBS model, make some general experiences that banks can learn from the HSBC bank (Choudhry, Landuyt 2010). In fact, the HSBC model did not was a very specific model to rescue the bank in liquidity management risks, it consists some very basic principles in banking and liquidity risk management. It is aRead MoreBasel 2 is the second Basel after Basel Accords known as Basel 1. By using Basel 2 in Australia,1100 Words   |  5 Pageswith the single risk profiles of financial institutions, a bank with greater exposure to the risk of peers who will hold more capital, while the less exposed to the risk that will hold less capital. Picture 1.1 Picture 1.1 shows that Basel 1 (Accord) has a risk-weighted at one hundred percent with $100 loan to the corporate entity and a total capital charge of $8. Beside that, through a standardized approach of Basel II, the corporate entity is rating AA, generate credit risk capital charge ofRead MoreRisk Management Program For The Small Community Bank1314 Words   |  6 Pagesinvolves an amount of risk. A risk management program, which identifies, analyzes, treats, and monitors risks, is necessary for the bank’s operations. Mitigation strategies are implemented against potential losses or a bank failure. The executive in charge of developing and integrating the program is the Chief Risk Officer (CRO). The risk management program for the community bank addresses ten risks associated with Enterprise Risk Management (ERM) or traditional risk management processes, while attainingRead MoreThe Burst Of The Housing Bubble Essay976 Words   |  4 Pagesthe fundamental factors, which are credit risk, liquidity risk, market risk, and operational risk, relating to the financial crisis between 2007 and 2008. Credit Risk Credit risk refers to the probability of loss due a borrower’s failure to meet its financial obligations on any type of debt. Credit risk may involve the potential lost from the principle, interest rate, coupon, insurance, bankruptcy, and etc. It is crucial for bank to manage credit risk, and maintain it exposure within an acceptableRead MoreRisk Management For Islamic Banks1717 Words   |  7 Pages[28], [29], [18], [21], highlighted the Risk management for Islamic banks in different countries and the differences between them and Conventional banks. Where [21] conducted a field study of risk management and Islamic banks, where a study on 17 Islamic bank in 10 countries (including Bahrain, Egypt, Malaysia and the United Arab Emirates). And suggests that Risk Management for Islamic banks include three basic components: Establishing Appropriate Risk Management Environment and Sound Policies and ProceduresRead MoreThe Value Of Instruments With Intermediate And Long Maturities166 9 Words   |  7 PagesTD Bank would need to take into account when managing interest rate risk the effect of on its net income and net interest income in order to evaluate the input of noninterest income and operating outlays toward the interest rate risk exposure. In particular, a bank with significant fee income should assess the extent to which that fee income is sensitive to rate vicissitudes. From a capital perspective, a bank should consider how intermediate (two years to five years) and long-term (more than fiveRead MoreBank Accounting Essay1000 Words   |  4 Pagesthe undistributed profits and reserves, retained earnings, profits, and their authentication whether an adequate capital are generated through this channel or not. †¢ To determine the quality sources of earnings and incomes, budgeting policies and Management Information Systems (MIS). Ratings Criteria for Earnings:- †¢ A rating of A+ or 1 states that a bank has strong and sufficient earnings to support operations and conserve an adequate capital level and allowances after taking into consideration theRead MoreRole of Bank Capital1375 Words   |  6 Pagesequal with the amount of risks assumed and hold enough to weather severe and considerably long financial storms. Roles of Bank Capital Banks are susceptible to many forms of systematic risk which at times can evolve into industrial crisis. The risks they face include credit risk, market risk, business risk and interest rate risk to name a few. And bank capital plays an essential role in the absorption of losses related to these risks. Credit Risk Credit risk is the risk that an obligator will

Wednesday, May 6, 2020

Difference Between Behaviourism and Cognitism Free Essays

When the Cognitive Revolution overturned Behaviorism as the dominant paradigm of learning, many people believed cognitivism to be radically different than behaviorism as it tried to explain many of the characteristics of learning that behaviorism failed to account for. For example, behaviorism emphasized only the change in outward behavior, which they defined as learning. Behaviorism declares the mechanistic and deterministic views of the law of effect, classical and operant conditioning, and ultimately the explanation of learning due purely to biological factors. We will write a custom essay sample on Difference Between Behaviourism and Cognitism or any similar topic only for you Order Now Behaviorism considers factors such as reinforcement history and maturation levels in affecting the ability it learn, and emphasizes maintaining learned behavior through repeated reviews of expectations and schedules of reinforcement. Cognitivism, on the other hand, defines learning more broadly to include a change in thinking, beliefs, attitudes, and values. It emphasizes the role of the mind as a schematic network and recognizes the importance of prior knowledge in making new connections. Ultimately, learning is compared to a computer model of processing information, which includes many processes that cannot be seen or measured. Cognitivism focuses on the role of memory in storing and retrieving knowledge. Transfer is seen as being the goal of acquiring knowledge so that people can apply that knowledge in new domains. Also, Cognitivism recognizes the influence of motivation on learning in encouraging people to learn things to a greater degree. Cognitivism accounts for more complex forms of thinking and learning. Although these two theories have many significant differences, they also have some similarities. Although I feel the cognitive psychology went a lot further in explaining the nature of learning, it does not completely escape the criticisms of behaviorism as far as mechanism and determinism. According to Williams, even though the cognitive revolution tried to remedy the mechanistic and deterministic aspects of behaviorism, it did not succeed. Both behaviorism and cognitivism are mechanistic and deterministic. In both behaviorism and cognitivism, people are seen as mechanical machines that react according to circumstance and behavior can be predicted based on either a Stimulus-Response or according to the information inputted into the computer machine. They are both missing significant factors of learning as far as accounting for learning in social contexts. They also both have aspects of a â€Å"black box† in them that does not completely explain how or why the learning occurs. For behaviorism, the â€Å"black box† is the explanation between stimulus and response. In Cognitivism, it is how the central executive works, or what controls the working memory. Williams pointed out that theories just create homunculi that are like little men in our brains controlling what’s going on, but never really explaining anything more for us. How to cite Difference Between Behaviourism and Cognitism, Essay examples

Monday, April 27, 2020

Muscular Disorders Case Report free essay sample

A mother presents with her 13 y/o son with a history of frequent falls, difficulty getting up from a lying or sitting position, trouble jumping, large calf muscles and poor grades in school. Based on the description and symptoms given, the likely diagnosis would be Duchenne’s muscular dystrophy, or DMD; although DMD and its symptoms tend to show up at an earlier age but not always. This type of muscular dystrophy is the most common and severe form of the dystrophinopathic diseases. Dystrophinopathic diseases are muscular dystrophies that are of a genetic nature caused by a deficiency in the protein dystrophin. This protein is vital to muscle function and contraction. In the case of DMD, there is a mutation in the gene, called the DMD gene, responsible for producing dystrophin causing a deficiency. This gene mutation is X-linked recessive and is inherited. This means that females in the family carry the gene mutation and can pass is on to their offspring male or female, but it is expressed in the males. We will write a custom essay sample on Muscular Disorders Case Report or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page DMD is usually diagnosed when a young boy shows signs of muscle weakness and there is a family history of the disease. Per Genome (2010), â€Å"a muscle biopsy for dystrophin studies can also be done to look for abnormal levels of dystrophin in the muscle. † Genome (2010), also states that â€Å"genetic testing on a blood sample for changes in the DMD gene can help establish the diagnosis of Duchenne’s muscular dystrophy without performing a muscle biopsy. † For most individuals, a combination of these testing methods is used to confirm a diagnosis of DMD. There is no known cure for DMD. Treatment involves treating the symptoms and keeping the patient as comfortable as possible. Medline (2012) says that â€Å"steroid drugs can slow the loss of muscle strength and may be started when the child is diagnosed or when muscle strength begins to decline. † Other drugs, such as Albuterol, can be used to control breathing problems that occur in the later stages of the disease and drugs to help with heart functions are prescribed to help control any cardio symptoms that may be present. The prognosis for individuals with DMD is bleak; it is a rapidly progressive disease and patients with DMD usually surrender to the disease or complications from it in their 20’s or 30’s, sometimes even earlier. I grew up with a family next door to me in which the two oldest boys had DMD. The disease eventually took both of their lives. The oldest boy did live long enough to graduate from high school but the younger of the two died from complications when he was 16. It was horrible for the family to stand by and watch their sons slowly decline and eventually die. This disease continued to plague their lives when the daughters passed it on to their boys and probably still plagues them today. There have been great strides in the field of research in regards to DMD but as of yet no cure has been found. Hopefully one day, there will be a cure for this devastating, debilitating disease and no more families will be forced to watch their children die right before their eyes.