Medicine and business: a practitioner’s guide Essay

The retail sector is one of the major contributors in the economy of the United Kingdom. The sector constitutes a major percentage of the country’s GDP. Sainsbury’s and Tesco companies are among the major contributors of the country’s GDP in the retail industry (Lewis 1990, p.386). This paper seeks to examine in a detailed analysis the performance, efficiency and ability of the two companies to meet the immediate obligations when due over the last three financial periods. The report shows a comparison of the two companies in 2012, 2013 and 2014. The analysis is based on the use of financial ratios where profitability, liquidity, working capital and investment ratios. Profitability ratios will be used to compare the performance of the two companies, in the light of return on equity (ROE), return on capital employed (ROCE), net profit margin and gross profit margin. The liquidity ratios that will be utilized include; acid test and the current ratio. The ratio will be geared at examining the ease at which the companies effectively convert assets into cash while the working capital ratios will assess the rate at which the current assets such as stock circulate in the companies (Richards 1980, p. 35). Objectives             This paper targets to present a detailed analysis over the performance of the two companies and routine operations; therefore the main objectives of this paper are: To compare the performance of the two companies over the last three years To detail recommendations for both companies on the basis of the ratios computed and their implications to the companies and the economy as a whole. Research methodology             The paper will explore the performances of both companies by utilizing ratio analysis. In order to be in a position to undertake this examination, financial statements of both companies over the last three years will be extracted and ratios computed using the information. The results of this report will be expressed in terms of pounds. Financial extracts Tesco Company Income statement For the years 2014, 2013 & 2012 (pounds) 22/02/2014 23/02/2013 25/02/2012 (Millions) (Millions) (Millions) Revenue: 63,557.00 63,406.00 63,916.00 Operating Profit / (Loss): 2,631.00 2,382.00 4,182.00 Net Interest: (432.00) (397.00) (235.00) PBT: 2,259.00 2,057.00 4,038.00 PAT from continuing operations: 1,912.00 1,528.00 3,164.00 Discontinued Operations: PAT from discontinuing operations: (942.00) (1,504.00) (350.00) Profit for the period: 970.00 24.00 2,814.00 Attributable to: Equity holders of parent company: 974.00 28.00 2,806.00 Minority Interests / Other Equity: (4.00) (4.00) 8.00 Total Dividend Paid: c 14.76 c 14.76 c 14.76 Tesco Company Statement of financial position As at 2014, 2013 & 2012 (pounds) 22/02/2014 23/02/2013 25/02/2012 (Millions) (Millions) (Millions) Assets Non-Current Assets Property, Plant & Equipment: 24,490.00 24,870.00 25,710.00 Intangible Assets: 3,795.00 4,362.00 4,618.00 Investment Properties: 227.00 2,001.00 1,991.00 Investments: 1,301.00 1,312.00 1,949.00 Other Financial Assets: 4,706.00 4,430.00 3,627.00 Other Non-Current Assets: 73.00 58.00 23.00 Current Assets Inventories: 3,576.00 3,744.00 3,598.00 Trade and Other Receivables: 2,190.00 2,525.00 2,657.00 Cash at Bank & In Hand: 2,506.00 2,512.00 2,305.00 Current Asset Investments: 1,016.00 522.00 1,243.00 Other Current Assets: 3,797.00 3,162.00 2,550.00 Other Assets: 2,487.00 631.00 510.00 Total Assets: 50,164.00 50,129.00 50,781.00 Liabilities Current Liabilities Borrowings: 1,910.00 766.00 1,838.00 Other Current Liabilities: 18,296.00 17,937.00 17,342.00 Non-Current Liabilities Borrowings: 9,303.00 10,068.00 9,911.00 Provisions: 777.00 1,278.00 1,260.00 Other Non-Current Liabilities: 3,963.00 3,137.00 2,560.00 Other Liabilities: 1,193.00 282.00 69.00 Total Liabilities: 35,442.00 33,468.00 32,980.00 Net Assets: 14,722.00 16,661.00 17,801.00 Capital & reserves Share Capital: 405.00 403.00 402.00 Share Premium Account: 5,080.00 5,020.00 4,964.00 Other Reserves: (498.00) 685.00 245.00 Retained Earnings: 9,728.00 10,535.00 12,164.00 Shareholders’ Funds: 14,715.00 16,643.00 17,775.00 Minority Interests / Other Equity: 7.00 18.00 26.00 Total Equity: 14,722.00 16,661.00 17,801.00 Retrieved from; Hargreaves Lansdown. ‘Tesco Plc | Financial Statements & Reports’. N.P., 2014. Web. 31 Dec. 2014. Sainsbury’s plc.Income statement For the years ended 2014, 2013 & 2012 15/03/2014 16/03/2013 17/03/2012 (Millions) (Millions) (Millions) Revenue: 23,949.00 23,303.00 22,294.00 Operating Profit / (Loss): 1,009.00 882.00 874.00 Net Interest: (139.00) (134.00) (103.00) PBT: 898.00 772.00 799.00 PAT from continuing operations: 716.00 602.00 598.00 Profit for the period: 716.00 602.00 598.00 Attributable to: Equity holders of parent company: 716.00 602.00 59.00 Total Dividend Paid: c 17.30 c 16.70 c 16.00 Sainsbury’s plc.Statement of financial position As at 2014, 2013 & 2012 15/03/2014 16/03/2013 17/03/2012 (Millions) (Millions) (Millions) Assets Non-Current Assets Property, Plant & Equipment: 9,880.00 9,804.00 9,329.00 Intangible Assets: 286.00 171.00 160.00 Investments: 404.00 532.00 566.00 Other Financial Assets: 283.00 236.00 215.00 Other Non-Current Assets: 1,318.00 38.00 38.00 12,171.00 10,781.00 10,308.00 Current Assets Inventories: 1,005.00 987.00 938.00 Trade and Other Receivables: 433.00 306.00 286.00 Cash at Bank & In Hand: 1,592.00 517.00 739.00 Other Current Assets: 1,332.00 91.00 69.00 Other Assets: 7.00 13.00 N/A Total Assets: 16,540.00 12,695.00 12,340.00 Liabilities Current Liabilities Borrowings: 534.00 165.00 150.00 Other Current Liabilities: 6,231.00 2,950.00 2,986.00 Non-Current Liabilities Borrowings: 2,250.00 2,617.00 2,617.00 Provisions: 256.00 316.00 349.00 Other Non-Current Liabilities: 1,264.00 809.00 609.00 Total Liabilities: 10,535.00 6,857.00 6,711.00 Net Assets: 6,005.00 5,838.00 5,629.00 Capital & reserves Share Capital: 545.00 541.00 538.00 Share Premium Account: 1,091.00 1,075.00 1,061.00 Other Reserves: 807.00 820.00 315.00 Retained Earnings: 3,560.00 3,401.00 3,715.00 Shareholders’ Funds: 6,003.00 5,837.00 5,629.00 Minority Interests / Other Equity:2.00 1.00 N/A Total Equity: 6,005.00 5,838.00 5,629.0 Retrieved from; Hargreaves Lansdown. ‘Sainsbury (J) Plc | Financial Statements & Reports’. N.P., 2014. Web. 31 Dec. 2014. Ratio Analysis Profitability ratios             These ratios indicate company’s profitability status. They determine the capacity of a company to generate returns to compensate the providers of capital. Using the data extracted, return on capital employed, gross profit margin and net profit margin are computed below; Return on equity This ratio is an indicator of the returns that a company generates out of the owners’ equity. Return on equity (ROE) = (Net income/equity capital) * 100 (ALBRECHT 2007, p. 234) Return on capital employed             Return on capital employed is used to indicate how a company is able to generate income to service the providers of capital employed. The ratio can be used to compare profitability of a firm within successive periods to evaluate profitability and predict future failure.The ratio is computed as follows; Return on capital employed = (profit before interest and tax/ capital employed) * 100 (COLES 1997, p. 32) Net profit margin This ratio measures the return per pound of sales a company earns. It is computed through the following formula; Net profit margin = (Net income / sales revenue)* 100 (GITMAN 2008, p. 492) Where, net income is obtained by Lessing total operating expenses from the sales revenue. Gross profit margin This ratio indicates the returns of the company after taking into consideration the costs of production incurred. It is calculated as follows; Gross profit margin = (Gross profit/ sales revenue) * 100(KHAN 2007, p.10) Below is a summary of the ratios; Ratio TESCO SAINSBURY’S 2012 2013 2014 2012 2013 2014 ROE 23.5% 14.3% 17.9% 15.5% 15.1% 16.8% ROCE 12.8% 6.5% 7.5% 8.7% 8.1% 9.2% Net profit margin 6.5% 3.8% 4.1% 3.9% 3.8% 4.2% GP margin 8.4% 6.6% 6.3% 5.4% 5.5% 5.8% Liquidity ratios These are ratios that measure the speed at which a company is able to convert its assets into cash or its equivalents (BUCCI 2014, p.71). They explain how fast a company can turn its current assets into cash so as to meet the current obligations. There are two types of liquidity ratios namely; current ratio and acid test ratio. Current ratio It indicates the ability of the company to convert its assets into cash or cash equivalents. The ratio is computed as follows; Current ratio = current assets/ current liabilities (times) Acid test ratio Acid test ratio also known as quick ratio is a measure that examines the capacity of a company to settle its immediate obligations from own current assets without selling stock. It is computed through the following formula; Acid test ratio = (current assets- inventories)/ current liabilities (TRACY 2011, p.287) The table below is a summary of the ratios computed using the financial data extracted; Ratio TESCO SAINSBURY’ Liquidity ratio 2012 2013 2014 2012 2013 2014 Current ratio 0.64 0.67 0.65 0.65 0.58 0.64 Acid test ratio 0.46 0.47 0.47 0.35 0.26 0.50 Working capital ratios             These are ratios that indicate the efficiency of a company to utilize its assets. They are also referred to as asset management ratios or asset turn over ratios. The commonly used ratios are; receivables turnover, payables turn over and inventory turnover (TALEKAR 2005, p.85). Receivables turnover This is a measure of how fast a company collects its funds from the debtors. It is calculated on the basis of the following formula; Receivables turnover = annual credit sales/accounts receivables It is reported in terms of number of days that sales made on credit remain with debtors before collection. Therefore; Average collection period = (accounts receivables/annual credit sales) * 365 days The ratio can also be expressed as; average collection period = 365 days / Receivables turnover (BOOKER 2006, p. 4). Inventory turnover             This is a ratio of the cost of goods sold to the average inventory. Cost of goods sold comprises of opening stock add purchases less closing stock while average inventory is the mean of opening and closing inventory. It is expressed in terms of days. Inventory turnover= cost of goods sold (COS) / Average inventory Therefore; Inventory period = 365/ inventory turnover Payables turnover This ratio indicates the period that the company takes to pay its creditors. It is defined by; Payables turnover = annual credit purchases/ accounts payables It is also expressed in terms of day. Therefore; Average payment period = 365 days / payables turnover. The table below is a summary of the asset ratios of the two companies; Ratio TESCO SAINSBURY’S 2012 2013 2014 2012 2013 2014 Receivables turnover 15.2 14.5 12.6 4.7 4.8 6.7 Inventory turnover 11.2 11.5 11.0 8.1 8.2 8.1 Payables turnover 10.8 11.0 11.2 5.2 4.9 10.1 Investment ratios These are ratios that help investors to evaluate the returns of their investments. Common investment ratios include; Earnings per share (EPS) Dividend payout ratio Dividend yield ratio Dividend payout ratio This ratio measures the part of earning that a company gives out to shareholders as dividends. It is computed as follows: Dividend payout ratio = (total dividends declared for the year/ earnings available for dividends) * 100 (GEDDES 2002, p. 14). Where; earning available for dividends is the profit after tax and preference dividends. Dividend yield This relates the returns from a share to its market value. It assists investors to assess the returns from their investments. It is worked out as follows: Dividend yield = (dividend per share/ market value per share) * 100 Earnings per share             EPS indicates the proportion of the company’s earnings that are attributable to the ordinary shareholders that have been generated during the period. The earnings attributable to ordinary shareholders are denoted by the profit after tax. EPS = Earnings attributable to ordinary shareholders/ Number of ordinary shareholders. It is an important indicator of company’s performance in terms of the earning power of the shares. However, comparing performance of companies based on EPS is inefficient since some companies may choose to issue more shares. Companies can also choose to increase or decrease the number of issued shares leading to an automatic alteration of the EPS. Ratio TESCO SAINSBURY’S 2012 2013 2014 2012 2013 2014 EPS 38.25 18.04 22.56 32.10 33.00 35.37 39.20 19.05 22.70 30.40 31.22 36.67 40.41 33.67 31.67 26.18 29.45 31.56 Dividend payout ratio 0.5 61.5 1.5 27.1 2.8 2.4 Uses of ratios             Various groups of individuals are interested with the analysis of financials of companies. They use ratios to work out specific financial features of a company that they are interested in. they help individuals in the following ways; To determine profitability: profitability ratios indicate the capacity of companies to generate profits. Ratios help the management to estimate the earning power of the company’s assets. To assess solvency: gearing ratios are used to assess company’s ability to service its debts. They show the relationship between assets and liabilities. A high gearing ratio is an indicator that the company is likely to land into financial problems in the future. They assist in the analysis of financials: Ratios assist stakeholders such as banks, shareholders and creditors to assess the profitability, liquidity and the capacity of companies to pay dividends. Forecasting purposes: financial ratios reflect the trend of the company. Such trends are important for forecasting the future of the company. Past years ratios are used to estimate the future therefore ratios are an important tool of preparing budgets and forecast statements. Limitations of ratio analysis             Despite the overwhelming usefulness of financial ratios, they are characterized by many drawbacks. To begin with, ratios are based on historical data. They are computed using historical financials but not pro forma statement. This poses a great challenge since the financials reflect the past financial position not the current situation. Ratios can thus lead to wrong decision making since what is true now may not be reflected by the past data. Decision making that is based on financial ratios may thus be misleading especially for material items and transactions. Ratios are also computed using financial statements that are normally prepared under accounting principles and policies. Different companies embrace varying policies and principles. The policies also vary with time within the same company. Owing to these variations, it becomes challenging to compare performance of different companies or even the performance of the same company over successive periods. Inflation and seasonal factors also threaten the validity and reliability of ratio analysis. Inflation impacts greatly on the financial statements just like seasonal factors such as economic cycles. Ratios are computed on the basis of historical financial statements which do not take into account the effects of price level changes and seasonal variations. Making decisions on the basis of financial ratios can thus be misleading. Conclusion and recommendation             Over the three years covered by this analysis, it can be seen that Tesco performed better than Sainsbury’s in terms of profitability, working capital ratios and investment ratios. The two companies are however characterized by falling liquidity ratios. To improve this trend, they should liquidate their cash efficiently through the capacity to convert current assets into cash quickly without necessarily selling their inventory. The profitability ratios of Tesco also observed to be declining over the period examined. The company thus should consider ways of improving its profitability such as cutting major costs of production or through increasing sales volume. References Albrecht, w. S., stice, e. K., & stice, j. D. (2007). Financial accounting. Mason, oh, thomson/south-western. Booker, j. (2006). Financial planning fundamentals. Toronto, cch canadian limited. Bucci, r. V. (2014). Medicine and business: a practitioner’s guide. Http://public.eblib.com/choice/publicfullrecord.aspx?p=1697730. Coles, m. (1997). Financial management for higher awards. Oxford, heinemann.Geddes, r. (2002). Valuation and investment appraisal. Canterbury, financial world publ.Gitman, l. J., & mcdaniel, c. D. (2008). The future of business: the essentials. Mason, oh, thomson south-western. Hargreaves lansdown,. ‘Sainsbury (j) plc | financial statements & reports’. N.p., 2014. Web. 31 dec. 2014.Hargreaves lansdown,. ‘Tesco plc | financial statements & reports’. N.p., 2014. Web. 31 dec. 2014.Khan, m. Y., & jain, p. K. (2007). Financial management. New delhi, tata mcgraw-hill. Talekar, s. D. (2005). Management of working capital. New delhi, discovery pub. House.Tracy, j. A. (2011). Accounting for dummies. New york, ny, john wiley & sons. Http://nbn-resolving.de/urn:nbn:de:101:1-201410263287. Source document

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Investment management strategies - Essay Example The correlation coefficient between the daily stock return in each portfolio is also calculated and combined with the standard deviations in a covariance matrix to calculate the variance and standard deviation for each portfolio. Sensitivity analysis is also carried out by changing the weights of each stock in the portfolio to see how the performance changes. The variance and thus the standard deviation are far more difficult to calculate because the variance of a portfolio is not simply a weighted average of the individual variances of the stocks included in the portfolio except for the special case where the individual stock returns are uncorrelated with one another. The variance for a two stock portfolio is given by: We need to set up a covariance matrix to bordered covariance matrix to be able to calculate the 1variance and standard deviation for a portfolio of more than two stocks. For a three stock portfolio the bordered covariance matrix can be written as follows (Bodie et al., 2002): The portfolio variance is calculated from the above nine terms by multiplying the bordered weights by the corresponding covariance and then summing the different terms. The standard deviation is calculated by taking the square root of the variance. From the table above, the variance is given by: (3) and the standard deviation of the portfolio is given by: (4) The covariance matrix in table 1 above can be extended to any number of stocks. Haven discussed how to calculate the expected return on portfolio, the variance and standard deviation; we now apply the above models to the U.S and Australian portfolios. Std. Dev (%) Ave Ret (%) Citi Group Inc. 3.58 -0.03 American Express 2.99 0.26 Motorola Inc 2.25 -0.30 Boeing Co. 1.85 -0.38 McDonalds Corp 1.45 -0.44 Coca Cola 0.91 -0.34 Table two above show the standard deviation and average return of each of the stocks included in the U.S portfolio over the period under study (details of the calculations are found in the attached excel file). To be able to calculate the covariance between the different stocks, we need to know the correlation coefficients between the different stocks. We use the correlation function in Excel to calculate the correlation coefficient between the different stocks. Doing this we obtain the following correlation matrix for the different stocks: Table 2: Correlation matrix (U.S Portfolio) Citigroup Inc. American Express Motorola Inc Boeing Co. McDonalds Corp Coca Cola Citi Group Inc. 1.00 0.90 0.54 0.74 0.78 0.25 American Express 0.90 1.00 0.64 0.78 0.87 0.34 Motorola Inc 0.54 0.64 1.00 0.37 0.53 0.23 Boeing Co. 0.74 0.78 0.37 1.00 0.72 0.16 McDonalds Corp 0.78 0.87 0.53 0.72 1.00 0.31 Coca Cola Co. 0.25 0.34 0.23 0.16 0.31 1.00 To obtain the covariance matrix we use the following formula formula to calculate the

Research Integration Essay Example | Topics and Well Written Essays - 1000 words

Research Integration - Essay Example The volume of data and evidence that was synthesized to come up with the guidelines is quite many which make it quite proper and important to nursing practice. Moreover, many experts were involved in developing this practice guideline such as microbiologists who play crucial roles in the treatment of AOM. To make the article more acceptable is the use of simple language that is easy to understand by all healthcare specialists. It highly recommends the concept of watchful waiting as the best option in handling AOM complications. Block, S. L. (1997). Causative Pathogens, Antibiotic Resistance And Therapeutic Considerations in Acute Otitis Media. Pediatric Infectious Disease Journal, 16, 449–456. This source can be classified as a filtered information article owing to its approach to the handling of AOM. In essence, it reviews and gives a summary of proceedings in a symposium that discussed pertinent issues that are related to increased antibiotic resistance to AOM. In terms of t he kind of evidence, it falls under evidence summary because it delineates different recommendations of handling cases of AOM. Owing to the large volume of evidence surmised in this article, it is quite appropriate and suited for nursing practice. Moreover, it tackles different cases of AOM which may be caused by different pathogens in synergy which makes some AOM cases complicated. In such scenarios, the article is of the opinion that treatment and administration of antibiotics should only be started after the causative pathogens have been positively identified. This in turn ensures that cases of antibiotic resistance are reduced because some antibiotics are not effective in handling some causative pathogens of AOM. Kelley, P. E., Friedman, N., Johnson, C. (2007). Ear, nose, and throat. In W. W. Hay, M. J. Levin, J. M. Sondheimer, & R. R. Deterding (Eds.), Current Pediatric Diagnosis And Treatment (18th ed., pp. 459–492). New York: Lange Medical Books/McGraw-Hill. This is a filtered source because it gives an in depth analysis of different microbial infections that infect around the throat region. It has been noted that the different infections that occur within this region and affect the eyes, nose throat are caused by common or similar pathogens. It follows then that chances are high that infection in any of the parts will automatically lead infection of the other parts. This article can also be classified as evidence based guideline that tables diagnostic procedures as well as the treatment of AOM infections. The suitability of the source for nursing practice is found in the in depth analysis of different methods of handling cases of AOM. In addition, the article provides a chart or diagrammatic representation on how to handle this infection at each step of its progress. McCracken, G. H. (1998). Treatment of Acute Otitis Media In An Era Of Increasing Microbial Resistance. Pediatric Infectious Disease Journal, 17, 576–579. Information is synth esized and analyzed about the rising resistance of pathogens that causes antibiotics to. Moreover, a guideline is also provided that gives the way forward on how to handle these complications and as such the source is a filtered source. In terms of evidence, it can be classified as

Change Management in GE, Ford Assignment Example | Topics and Well Written Essays - 2250 words

Change Management in GE, Ford - Assignment Example Jeffrey R Immelt, the chairman, and CEO of GE has been trying to bring about a cultural revolution. He has been on a mission to transform the hard driving, process-oriented company GE into one that is steeped in creativity and wired for growth (Hitt, Ireland, Hoskisson, 2009, P.143). He wanted to move GE`s average organic growth rate for increasing the revenue that comes from their existing operations rather than dealing with currency fluctuations. Immelt has initiated the change process by welcoming outsiders into highest ranks GE made it compulsory for every employee to have at least a green belt training and wanted them to be involved in one quality control project to be eligible for promotion in the management level. Black belts and master belts were awarded for a higher level of management.GE ensured that the best employees were trained for the black belts and master belts(Bertels, Rath & Strong, 2003,P.263) At GE management meetings, head of all businesses were encouraged to ta lk about the new initiatives in their own units so that the ideas and best practices could be transferred among the various businesses(Harvard Business School Press,2010,P.25) The business heads speak mainly about the methods that are used in every individual center for decreasing cost and increasing efficiency. Communication was emphasized in all direction i.e. top down, bottom up and lateral communication. Effective communication has helped in promoting GE`s informal culture. Every employee in GE is encouraged to express their opinion candidly to their superiors (Nilakant, Ramnarayan, 2006, P.70).The GE Change Acceleration Process measures the effectiveness of change as the product of quality (the technical aspect of change) and the acceptance (by those who embrace it). The only way to get a very high score is to score high on both the factors. For years GE has applied this thinking to the Six Sigma by giving change management methods and tools to the leaders and trained employees .

The Macroeconomic Environment Essay Example | Topics and Well Written Essays - 1500 words

The Macroeconomic Environment - Essay Example ons which are differentiated by government deficit or the â€Å"difference between what the government pays out (government expenditure) and what it takes in (tax revenues).† (Weil 2002) The first state is the contractionary or tight fiscal policy wherein the government expenditure is lesser than its revenues or budget surplus. On the other hand, it is called expansionary or loose fiscal policy when government spending is larger than its revenues resulting to budget deficit. (Weil 2002) In devising a fiscal expansion policy, the government should consider certain economic indicators and factors that are affected. These are interest rate, exchange rate, trade balance, Gross Domestic Product (GDP), and aggregate demand. Weil (2002) and Hemming et al. (2002) observe the possible effects of fiscal expansion on these factors which contribute for economic stability. Richard Hemming et al. (2002) see expansionary fiscal policy as beneficial in stimulating economic activity. They use the events like Asian Financial Crisis of 1997 and recessions in Europe and the United States as empirical evidences of the negative effects of contractionary fiscal policy through strong tax systems. Weil (2002) sees beneficial effect of fiscal expansion on managing the economy through the gross domestic product (GDP) or the total amount produced. Fiscal expansion results to increase in demand for goods and services which in effect raises both the output and price. However, the degree of increase on these two factors depends on the state of the economy according to Weil (2002). â€Å"If the economy is in recession, with unused productive capacity and unemployed workers, then increases in demand will lead mostly to more output without changing the price level. If the economy is at full employment, by contrast, a fiscal expansion will have more effect on prices and l ess impact on total output.† (Weil 2002) Weil (2002) states fiscal expansion raises the aggregate demand or the total demand for

How to the Methods of Calculating Banks Marketing Budget Essay Example for Free

How to the Methods of Calculating Banks Marketing Budget Essay How to Decide Banks Marketing Budget? Introduction Now a day under taking marketing activities is compulsory and a key to exist in the business environment especially in the financial sector where competition is strong. In Ethiopia there are 16 private commercial banks and three public owned banks. There is strong competition among these banks to take market share and earn profit especially for those banks that enter the market recently. In addition according to the National Bank of Ethiopia Directive, all commercial bank have to reach 500 million paid up capital in the coming four years. In order to achieve this amount of capital these banks must sell new share, persuade their existing share holders to fully pay the subscribed amount and retain the earning instead of paying the dividend. These are achieved by undertaking strong marketing campaign. All the banks have marketing budget and the budget differs based on the size and depth of their capital. However, determining the size of marketing budget is not an easy task. It is big question often asked by marketers and bank executives. In Ethiopia it is common to see Television program and football events sponsored by commercial banks, advertisement of banks products and services in any time on electronics and print media especially money transfer adverts during the holiday season, distributing giveaway materials and entertaining their customers. The marketing budget for a bank generally includes expenditures for five different activities: Advertising Debub Global Bank, MPPE Department Compiled by: Behaylu Wondafrash Promotional activities Sales promotion Marketing research Sales/customer service training and Public relations: How a bank allocates its total marketing budget among various marketing activities depends largely on bank size in terms of capital and branch distribution and advertising cost (production and air time cost). Most the Banks in Ethiopia spends about 80% of their total marketing budgets on advertising. The rest activities took 20 percent of the budget. Most banks are currently using sales promotion activity like commercial bank of Ethiopia which provide awards for who save 1000 birr and above in any branch of it and promotional activities like sponsoring Ethiopian Great Run and donating to children aid. Advertising took about 80 percent of the budget. This due to the fact that time to time increasing cost of advertising rate and production cost. The lion share of the budget is goes to the Ethiopian radio and Television Agency and then to the private FM radio stations especially Fana FM and Sheger FM. Most banks also use print media like reporter and fortune news paper. But how does a bank determine how much it should spend for marketing in general and advertising in particular? There are methods of calculation. Methods of calculation According to author of Marketing Financial Services, there are different ways to calculate a banks marketing budget. Banks use at least four methods to determine what they will spend on marketing in general and on advertising in particular: Debub Global Bank, MPPE Department Compiled by: Behaylu Wondafrash The percentage method, The competitive parity method, The incremental method and The objective-and-task method. 1. Percentage method: the percentage method states banks advertising budget is 1/10th of 1 percent of a banks total assets. This percentage method has several drawbacks or flaws. First, it is based on the banks past performance rather than on objectives for the future. Second, it views assets or deposits as the cause of advertising rather than recognizing that increases in these variables might be, to some extent, the effect of advertising. Third, it discourages aggressive advertising and reduces advertising expenditures in periods of economic slowdown. Research indicates that firms that maintain or increase their advertising during periods of recession do better after the recession. 2. Competitive parity method this method is also known as follows the leader. A bank determines what its competitors are spending on advertising and simply follows their lead. This method is based on the erroneous assumption that the market responds in the same way to the same volume of birr spent by different banks. It fails to take into account the effects of variations in creativity, different uses of media, the timing of campaigns, and a banks image and recognition level in its market area. Furthermore, a banks competitors probably use no more rational a system for determining their advertising expenditures than does the bank that is following their lead. 3. Incremental Method: under this method a bank simply increases its advertising budget by a certain percentage each year. The percentage may take Debub Global Bank, MPPE Department Compiled by: Behaylu Wondafrash into account the rate of inflation or the growth rate of the bank or it may be dictated by a planner or budgeter whose primary objective is to make the bottom line show a targeted return on assets. Whatever the percentage increase, this method does not take in to account the desired objectives of advertising and the most cost effective ways to attain them. 4. Objective-and-task method. Using this method, the bank bases its advertising budget on what it will cost to meet the marketing objectives it had defined. The bank then weighs this cost against the expected net benefit of the new business to ensure that the cost of advertising will not reduce the profit margin on the newly acquired deposits or loans beyond acceptable limits. For example, Let us take Debub Global bank (DGB) and assume that a banks goal is to increase its one-year deposit volume by 100 million birr over its expected normal growth during a promotion period. It calculates that the profit margin on those funds (deposits) will be 6 percent (or 6,000,000 birr). The bank must then decide how much it is willing to invest in advertising in order to generate an extra 6,000,000 birr of income. The selected amount will vary from bank to bank. This method also has its drawbacks. While it works for specific promotions that have immediately measurable results, such as increased deposit or loan volume, it cannot be used to determine the level of advertising necessary to build awareness of the bank and to develop and maintain an image for it. A bank that advertises only when it has a specific promotion to communicate may be out of the media for considerable periods of time. Most marketers agree that some maintenance level of advertising, either product or institutional, is a necessary investment, simply to keep the banks name in front of its publics.

Heart and Cardiac Muscle Essay Example for Free

Heart and Cardiac Muscle Essay What is the heart? The heart is the organ that supplies blood and oxygen to all parts of the body. It is about the size of a clenched fist, weighs about 10.5 ounces and is shaped like a cone. The heart is located in the chest cavity just posterior to the breastbone, between the lungs and superior to the diaphragm. The heart is surrounded by a fluid filled sac called the pericardium. Blood is pumped away from the heart through arteries and returns to the heart through veins. The major artery of the body is the aorta and the major veins of the body are the vena cavae. Chambers of the Heart The heart is divided by a partition or septum into two halves. The halves are in turn divided into chambers. The upper two chambers of the heart are called atria and the lower two chambers are calledventricles. The atria receive blood returning to the heart from the body and the ventricles pump blood from the heart to the body. Valves allow blood to flow in one direction between the chambers of the heart. The Heart Wall The heart is composed of cardiac muscle which enable the heart to contract and allow the synchronization of the heart beat. The heart wall is divided into three layers: the epicardium, myocardium, and endocardium. * Epicardium outer protective layer of the heart. * Myocardium muscular middle layer wall of the heart. * Endocardium inner layer of the heart that is continuous with the inner lining of blood * Cardiac Conduction * Cardiac conduction is the rate at which the heart conducts electrical impulses. Cardiac muscle cells contract spontaneously and are coordinated by nodal tissue, specifically the sinoatrial node. There are other factors that influence heart rate as well. These include endocrine hormones, body temperature and exercise. * Cardiac Cycle * The cardiac cycle is the sequence of events that occur when the heart beats. There are two phases of this cycle which are the diastole and systole phases. During the diastole phase, the atria and ventricles are relaxed and blood flows into the atria and ventricles. In the systole phase, the ventricles contract sending blood to the rest of the body. A heartbeat is a two-part pumping action that takes about a second. As bloodcollects in the upper chambers (the right and left atria), the hearts natural pacemaker (the SA node) sends out an electrical signal that causes the atria to contract. This contraction pushes blood through the tricuspid and mitral valves into the resting lower chambers (the right and left ventricles). This part of the two-part pumping phase (the longer of the two) is called diastole. The second part of the pumping phase begins when the ventricles are full of blood. The electrical signals from the SA node travel along a pathway of cells to the ventricles, causing them to contract. This is called systole. As the tricuspid and mitral valves shut tight to prevent a back flow of blood, the pulmonary and aortic valves are pushed open. While blood is pushed from the right ventricle into the lungs to pick up oxygen, oxygen-rich blood flows from the left ventricle to the heart and other parts of the body. After blood moves into the pulmonary artery and the aorta, the ventricles relax, and the pulmonary and aortic valves close. The lower pressure in the ventricles causes the tricuspid and mitral valves to open, and the cycle begins again. This series of contractions is repeated over and over again, increasing during times of exertion and decreasing while you are at rest. The heart normally beats about 60 to 80 times a minute when you are at rest, but this can vary. As you get older, your resting heart rate rises. Also, it is usually lower in people who are physically fit. Your heart does not work alone, though. Your brain tracks the conditions around you—climate, stress, and level of physical activity—and adjusts your cardiovascular system to meet those needs. The human heart is a muscle designed to remain strong and reliable for a hundred years or longer. By reducing your risk factors for cardiovascular disease, you may help your heart stay healthy longer.

The Immediate Constituent Analysis In Linguistics English Language Essay

The Immediate Constituent Analysis In Linguistics English Language Essay   Also called IC Analysis,  in linguistics, a system of grammatical analysis that divides sentences into successive layers, or constituents, until, in the final layer, each constituent consists of only a word or meaningful part of a word. (A constituent is any word or construction that enters into some larger construction.) In the sentence The old man ran away, the first division into immediate constituents would be between the old man and ran away. The immediate constituents of the old man are the and old man. At the next level old man is divided into old and man. In grammatical study we are concerned with morphemes and their arrangements but not save in an ancillary way with the phonemic shapes which represent morphemes.Cinsequently in the present sections we shall usually cite examples in their traditional orthography provided the language in question had one and that it involves only the Latin alplhabet.Claddical Greek and Chinese examples are given in well established transl iterations or romanixastions. Genuine phonemic notation will be unused only when advisable for some special redone or for languages like monomania ethic have no traditional orthography. Most modern textbooks of linguistics attach great importance to that is called immediate constituent analysis. The term immediate constituent analysis was introduced by Bloomfield as follows any English speaking person who concerns himself with this matter is sure to tell us that the immediate constituents of poor john ran away there the two forms poor john and ran away that each of these is in turn a complex form that the immediate constituents of ran away are ran and away and that the constituents of poor john are poor and john. We can easily capture through going the given below example. The dog killed the poor cat In this sentence the noun phrases are given but we can easily divide and then make an understand to analysts in immediate constituent that is also one of the important one in linguistic. so there is an obvious parallelism between immediate constituent analysis and the traditional procedure of parsing sentences into subject and predicate and each of these where appropriate into words phrases and clauses jof various types. Bloomfields sentence phrases made up of the now john modified by the adjective poor and whose predicate is a verb phrase consisting of the Vern ran modifies by the adverb away. Underlying both approaches to ;grammatical analysis is the view that sentences are not just linear sequences of elements but are made up of layers of immediate constituents ;watch lower level constituent being part of a higher level constituents can be represented graphically in a number of ways we may use brackets or we may construct a tree diagram. These two methods of representation are equ ivalent. The symbols are employed here merely for convenience jof reference to the diagram the tree diagram given above is to be interpreted as follies the ultimate constituents jof the sentence the elements out of which the sentence is constructed are poor jog ran and away the words poor and gone are the immediate constituents of one construction poor john so the branches leading to them derive directly from one node the words ran and away are the immediate constituents of another contraction being related through the names highway node common to them both and the two constructions poor john and ran away are the immediate constituents of the highest level constriction the sentence itself so they b9oth derive directly from the node it will be observed that neither in the reprewntation of the constituent structure jof the sentence by mend of betray chest nor in the tree diagram have we in corporate the information that poor is an adjectival a that poor john is an noun phrase or of th e notion of ,codification in these respects jour analysis jof the sentences into its constituents differs from ad so far is poorer than the analysis that would be given in terms of the categorizes of traditional grammar. One can distinguish three periods of development in the the airy of constituent structure. L; Bloomfield himself did little mortem than introduce the nn9otion ad explain it by means of examples he spoke of a proper analysis of the sentence into constituents as one which takes accent jof the meanings. his followers notably wells and harries formulated the principles of constituent anal7sis inn greater detail an replaced Bloomfields somewhere vague reference to taking account of the meanings with explicitly distributional criteria. Finally in the last few years the theory loft constituent structure has been formalized and subjected to mathematical study by Chomsky land jot her scholar who have given considerable attention to the nature jof the rules requluired to gene rate sentences dwoth the appropriate constituent structure. There are five kinds of analysis in immediate constituents as follows: 1. Hierarchical Structure 2. Ambiguity 3. Markers 4. Discintious IC 5. Simultaneous IC In the immediate constituent structure five of them given above are seminal things in linguistic so, it is very difficult to analysis of these things without making diagrams so lets to analysis of these things without having an analysis of morphemes as grouping things together in the fight way an analogy who is very keen to make a new kind of solution is so complicate. In our treatment of the general principles of formal grammar in immediate constituents we deliberately adopted the view that all sentences had a simple linear structure that every sentence of the language could be satis Facvtyorilyu described from the grammatical point jof view as a string loft; constituents As a abstract illustration of what is meant by the term string which is the technical term used in mathematical treatments of the grammatical structure of language few may consider thane following instances. 1. Hierarchical structure: The manly on the street is inclined to identify language with words and to think that to study words is to stuufyul; language this view l incorporates two errors. we obviate lone when we realize that morphemes rather than words are unimportant the other error is mow subtle the notion often unstated that we need only examine words as isolated units longer utterances being simply mechanical combinations jof at the smaller units. If lathes were the case then all we would have to learn kin studying a foreign language fowls; be the individual ljmorphemes and their meanings. the meaning jof any whole utterance wools be immediately obvious; jonn the basis of the meanings of the ultimate constituents .Anyone who has lacteally studied a foreign language knows that this is not true. for a striking example loft the falsity loft they assumption we turn to Chinese which is better than French or German jerk Spanish jfodrkl this purpose because ;it differs more drastically from English to any other languages. As leis evidently; some of these English morphemes have meanings which are not easy to describe precisely in English one meets similar trouble in trying rot describe the meanings of some English morphemes inennglishj on general the meanings of morphemes in any one language bias any other language. A careful scrutiny of the meanings of; the seventeen constituent morphemes; of the sentence can at best yield some ague notion of what the whole sentence is about. The meaning of the whole sentence happens be this kind of the matters carries by what he hears. BY virtue of this advance orientation thane active speaker hears the cadence not as a linear string go morphemes but as it were in depth automatically grouping things together in the rightly lay. An; analogy list in order. when we kook at the middle assemblage ;of line segments Jon a either jay on a flat surface the depth that we perceive lies in ;us; not; ;in the figulure.yet our experience in visa perception is such that it ills hard to see as a complicated plane figure rather than I three dimensions the depth which tulle native speakers combination is common and that it carries the rather special partly unpredictable meaning probably likewise have automatically groups together as in fire but in a more complicated ;way if few are to ask that meads he would be pzzled for does not mean anything l;he would probably be unaware that he had heard this particular morpheme sequence inn the sentence and the speaker of the sentence weld scarcely realize that he had said it. All the above is applicable also to fenglish or any other language a meaningless sequence of morphemes like a man are can easily lube found in normal speech. It; occurs; in the dog has killed the poor cat. 2. Makers: We must account for the slanting lines appearing in some of the diagrams. For example, the diagram indicates that the Ics of are the two words in a larger form without being a constituent jof it. Of course a different interpret ratio would be possible but the one we have chosen indicates that and rather than being Joni of the ics of what we may call a structural marker jar signal. some morphemes that is serve leno directly nas carriers of meaning but only as markers of the styrctural relationshjops between other forms.ad marks the fact that something before it ad something after it large the Ics larger grammatical form and ad also marks that a larger form as being of a certain type ;we would choose a similar interpltretration for the markers. 3. Ambiguity: It is possible for a single sequence of segmental morphemes to have two alternative hierarchical organizations; unusually with a difference do; meaning sometimes but in the sentence he was dancing jw3oth the stout major person. We cannot tell whether the mans dancing partner is stout or not. the ambiguity jof its Ic structure is shown in the expression and such ambiguities remind us again jof the analogy with value perception. 4. Discontinuous Ic: Our examples so far have had another property which is common but not nn9oversal forms which belong together as Ic of a larger form have been next to each other in linear sequence .Discontinues constituents are ninety at all uncoil for example in the English sentence the jot her is the discontinuous sequence. But constituents are not at all uncommon framing easy built is parenthesized lotto indicate that it is knot actually spoken there we laved lithe duplication but place a heavy line below the entry and mark with a dotted arrow the section between. 5. Simltaneosly Ic: An intonation morpheme is probably always to be interpreted as one ic of the macro segment which includes the remainder of the macro segment no matter how complex constituting the other. In order to show this diagrammatically we have to introduce another special device, illustrated in their positions of the pills and tic correctly since any alternation in their position mighty yield a different sentence. In grammatical ambiguity we can divide as follows that is also seminal thing in immediate constituent analysis: A) They can fish. B) Beautiful girls dress. C) Some more convincing evidence. Conclusion: Traditional grammar is a family of linguistic theories represented in the grammars written before the advent of scientific linguistics. I use the expression family of theories rather than the word theory, since traditional grammar is not a single, unchanging conceptual object. I assume, however, that it has certain fairly stable defining features. For convenience, I take many of my examples from the Latin grammar of Allen and Greenbush (1931) and the Greek grammar of H. W. Smyth (1916), since both these works are still in print and can be consulted by interested readers.

The Successful Development Essay -- Technology, Logistics

The successful development and implementation of networked technologies coupled with ingenuity and collaboration allowed Michigan to thrive in the manufacturing and service sectors at the turn of the century. By 1900 railroads combined with steamboats, the telegraph, lighthouses and silos revolutionized overland transportation and travel, pulling Michigan and national markets together, aiding in the creation of the modern consumer society and the production of new technologies. Railroads cut travel time dramatically and reduced freight costs with two important economic results for Michigan. First, they made the settlement and development of continental interiors possible which transformed demanding and dangerous journeys of months into a trip of a few days. This linked the countryside more closely to the cities, production areas to markets and raw materials, and continental interiors to coastlines and waterways. Second, farmers switched from raising subsistence crops to cash crops better suited for their local soils, thus increasing crop yields dramatically and income for consumer goods. This stimulated sales, provided more jobs, increased production, and lowered prices. With business booming, companies developed new products, triggering an explosion of new technological advances, inventions, and consumer products in the latter 1800's. Steamboats would be coupled with railroads along with lighthouses, the telegraph and silos. Until steamboats, man had only his might and the wind to transport himself and his cargo. The bulk of the products were floated downstream on rafts and flatboats. However, these vessels were too clumsy to navigate upriver. Although wind was free and worked efficiently on oceans and big lakes, it was no ma... ...nessmen sough to curb seasonal irregularities and promote stability. They formed employers association to monitor labor costs, a trade association to deal with shippers, and new banks to handle the demands of capital and money markets. Due to the ingenuity of men like Sligh, McMillan and Berkey coupled with the development and implementation of networked technologies in transportation and communication Michigan was able to survive economically at the turn of the century. By 1900 Michigan would be tied to national market, aiding in the creation of the modern consumer society and the production of new technologies. These same factors that led to Michigan’s survival would later open Michigan, particularly with the help of Gerald Ford and his Motel T, to become a powerhouse of industrialization and the birthplace of a mobile renaissance in the entire United States.

F. Scott Fitzgeralds The Great Gatsby :: essays research papers

Jay Gatsby: Pure Corruption Embodied   Ã‚  Ã‚  Ã‚  Ã‚  The story The Great Gatsby, written by F. Scott Fitzgerald, takes place in the 1920's. It is the story of a man named Jay Gatsby who is on what he sees as a quest to recapture his former love Daisy Fay. Gatsby is a poor man who feels that he can win her back, if he acquires enough material wealth. He sees getting Daisy back as part of finally getting his American Dream. His whole life he has been chasing his American Dream of being happy. He was a corrupt man who saw only corrupt means to make his dream come true. Gatsby is not tricked by anyone into becoming corrupt, on the contrary, he willfully lets himself become corrupt all to achieve what he sees as the American Dream and finally become happy.   Ã‚  Ã‚  Ã‚  Ã‚  Gatsby, as a young man, believes that he can make his dreams come true and become great. The average American believes that you can achieve anything through hard work, Gatsby believes that he does not need to work hard, but only use people. Gatsby is born James Gatz to poor parents. He always thinks that he should have been born rich and 'his imagination had never really accepted them as his parents'; (104). He wants to be rich or famous; he wants to be a somebody, and not the poor farm boy that he merle is. He feels that he can reinvent himself into the person he thought he should be. He renames himself Jay Gatsby and leaves home. He feels that if other people think that he is the person he wants to be, then he will really become that person. He lies about where he comes from to anyone that may ask. He knows from a young age how to deceive people and he does not think twice of it. After young Gatsby leaves home, he does not work like a man driven to achieve great ness, he works ', half fierce, half lazy'; (104). He was better at using young woman rather than manual labor. 'Since they spoiled him he became contemptuous of young virgins because they were ignorant, of the others'; (104). From a young age Gatsby is already corrupt, but only on a small scale. He has no real driving force to motivate him, he is happy with just taking advantage of young women. It will take his obsession of getting back his lost love Daisy to take his corruptness into a whole new arena. F. Scott Fitzgerald's The Great Gatsby :: essays research papers Jay Gatsby: Pure Corruption Embodied   Ã‚  Ã‚  Ã‚  Ã‚  The story The Great Gatsby, written by F. Scott Fitzgerald, takes place in the 1920's. It is the story of a man named Jay Gatsby who is on what he sees as a quest to recapture his former love Daisy Fay. Gatsby is a poor man who feels that he can win her back, if he acquires enough material wealth. He sees getting Daisy back as part of finally getting his American Dream. His whole life he has been chasing his American Dream of being happy. He was a corrupt man who saw only corrupt means to make his dream come true. Gatsby is not tricked by anyone into becoming corrupt, on the contrary, he willfully lets himself become corrupt all to achieve what he sees as the American Dream and finally become happy.   Ã‚  Ã‚  Ã‚  Ã‚  Gatsby, as a young man, believes that he can make his dreams come true and become great. The average American believes that you can achieve anything through hard work, Gatsby believes that he does not need to work hard, but only use people. Gatsby is born James Gatz to poor parents. He always thinks that he should have been born rich and 'his imagination had never really accepted them as his parents'; (104). He wants to be rich or famous; he wants to be a somebody, and not the poor farm boy that he merle is. He feels that he can reinvent himself into the person he thought he should be. He renames himself Jay Gatsby and leaves home. He feels that if other people think that he is the person he wants to be, then he will really become that person. He lies about where he comes from to anyone that may ask. He knows from a young age how to deceive people and he does not think twice of it. After young Gatsby leaves home, he does not work like a man driven to achieve great ness, he works ', half fierce, half lazy'; (104). He was better at using young woman rather than manual labor. 'Since they spoiled him he became contemptuous of young virgins because they were ignorant, of the others'; (104). From a young age Gatsby is already corrupt, but only on a small scale. He has no real driving force to motivate him, he is happy with just taking advantage of young women. It will take his obsession of getting back his lost love Daisy to take his corruptness into a whole new arena.

Social Concerns in the poems of Kamala Das Essay -- essays research pa

" He ( the poet) is responsible for humanity, even for the animals, he must see to it that his invention can be smelt, felt, heard." ( Arthur Rimbaud) From the queen of erotica to a poetic pilgrim, the critical nexus on Kamala Das?s poetry has oscillated between opposite poles. These varied critical stances reflect that the genius of the poet refuses to be strait-jacketed into a uniform notion. In this paper, I will attempt to reveal the social issues that imbue the oeuvre of her poetry. Kamala Das in her much discussed autobiography, My Story , pointed out: ? A poet?s raw material is not stone or clay, it is her personality.?1 In direct contradiction to Eliot?s theory of poetic creation, Mrs. Das asserts that her poetry is subjective and through it she voices forth her strains and stresses. This, however, does not imply a selfish preoccupation with the self but a melioristic vision that is shocked and disgusted at the plight of fellow mortals. Her sensitive soul is deeply affected by the maladies that lie deeply ingrained in the social matrix. In the poem Afterwards -- no intertextuality with Hardy?s poem -- written when the poet was in her teens, she questions the notions of scientific progress that has ushered the nuclear holocaust: ? Son of my womb, Ugly ... ... Works cited 1. Kamala Das-- My Story, DC Books, Kottayam, Aug. 2004. 2. Kamala Das-- Summer in Calcutta, DC Books, Kottayam, Nov.2004. 3. Kamala Das-- The Descendants, Writers? Workshop, Calcutta, 1991. 4. Kamala Das-- The Descendants, Writers? Workshop, Calcutta, 1991. 5. Kamala Das-- Collected Poems, Vol. I, Navkerala Printers, Trivandrum, 1984. 6. Al Harmony Vol.6, July-Sept,2005. 7. Anthony Perera-- ?Love India, love Sri Lanka?, Sunday Observer, April 29, 1984. 8. Kamala Das-- The Old Playhouse and Other Poems, Orient Longman, 1973. 9. Kamala Das-- Only the Soul Knows How to Sing, DC Books, Kottayam, 1999. 10.Kamala Das-- Only the Soul Knows How to Sing, DC Books, Kottayam, 1999. 11. Presented to the author by the poet as a manuscript.

Love Relationship Among Student Essay

This research study examines the relationship between academic achievement and at-risk students. Many issues today affect the achievement gap and the ability for at-risk students to succeed. Most data, as revealed in the studies included in this review, conclude the factors identifying at-risk students do have significant impact on the academic achievement of individual students and schools. Most often, these students are not successful and eventually drop out of school or pursue a GED. Data indicate that teacher-student relationships, parent or caregiverstudent relationships, motivation, SES, and peer influence can affect success for at- risk students. Twelfth grade students from two high schools in an urban school district were given the opportunity to participate in a survey. This study investigates correlations between the dependent variable grade point average (GPA), and the independent variables teacher-student relationships, parent or caregiver-student relationships, motivation, SES, and peer influence. Five regressions were run to determine if any of the independent variables predict GPA. Data from this study indicate that the variance between the dependent variable of GPA and each of the five independent variables is significant; however the practicality of these results’ having a significant influence on the GPA of the study participants is minimal. The strongest variance found was between GPA and motivation and between GPA and peer influence. Other findings include a relationship between GPA and participation in sports or activities. As GPA increases, the percentage of students participating in sports and activities increased. The students in this study do have positive relationships with their teachers; have a parent or caregiver encouraging them to do well in school; and plan to attend college.

Stylistic Analysis of the Poem “Meeting at Night”

The Love Song of blur Dyal Rudyard Kipling Alone upon the theatretops to the North I fleck and watch the lightnings in the sky The mesmerise of thy foot amounts in the North. Come back to me, Be write outd, or I die. Below my feet the still bazaar is laid Far, far below the drudge camels lie The camels and the captives of thy raid. Come back to me, Beloved, or I die My fathers wife is sexagenarian and harsh with years, And drudge of all my fathers house am I My bread is sorrowfulness and my drink is tears. Come back to me, Beloved, or I dieStylistic abbreviation of the Poem Meeting at iniquity Meeting at Night Robert browning The gray sea and the long inkiness land And the yellow half-moon cock-a-hoop and row And the shock little waves that leaping In untrained ringlets from their sleep, As I gain the cove with pushing prow, And quench its travel I the slushy mother wit. Then a mile of warm sea-scented beach one-third fields to cross till a farm appears A tap at th e pane, the quick sharp scratch And soft spurt of a lighted couple up, And a voice less loud, thro its joys and fears,Than the two patrol wagon beating each to each The free radical of the Poem This poem written by Robert Browning is a poem of love that describes ingestly the universes soaring on the sea to the bay tree on the beautiful wickedness to go to the young lady she loves and meets her at night. In here, it is said that the readers merchant valet de chambre feel the excitement and happiness of the couples on their encounter at night. It is rattling clear at the close of the poem that the charwo objet dart is somehow uneasy and afraid magic spell waiting for the piece of music she loves.But, upon hearing the mans tap on the windowpane pane, she is truly happy and relieved to look out him, which only instals how deep their love and absent is. Linguistic Analysis of the Poem byLiu Yueqin Liu Yueqin has presented five linguistic presentation of the poem. her e(predicate) is the following linguistic analysis he had in this poem of Robert Browning a. phonologic features 1. End rhyme The rhyme plot is, in the first stanza abccba, in the bit -dedded. There be five balance rhymes as follow a. ? ndland, sand b. ? row, prow c. Ipleap, sleep d, It beach, scratch, match, each e, i? sappears, fears 2. beginning rhyme long-land in business sector 1the-that in ancestry 3 fiery- from in line 4 pushing-prow in line 5 speed-slushy-sand in line 6 sea-scented in line 7 to-till and field-farm in line8 less-loud in line 11 than-the and two-to in line 12. 3. Repetition And therepeats 3 times in the poem, and there are totally 8andin the poem. The repetition shows that the man is fashioning long-time effort step by step to meet the woman, his lover.However, the effort is worthy since the man loves the woman and expects fiercely to see her, no matter its at night or at day. The refrain occurs at the close of a stanza, where it helps to establish m eter, incline the pique of love, and add emphasis. With the usage of end rhyme, alliteration and repetition, the poem creates aesthetic pleasance and shows the feeling of the couple. b. Graphical features The description of the movie on the sea and on the bay and about the meeting is vivid, elaborate and attracting.Through the several(predicate) angles of vision (the gray sea,the long disastrous land, the yellow half-moon, etc. ), auditognosis (two hearts beating, etc), scent (scented), the readers quarter scarce feel analogous being in the situation, and appreciating the charming of meeting at night. c. Lexical features The poem is relatively brief consist of simple circumstantial concrete words, mainly adjectives and nouns, just wish casual and gentle narration mingled with lovers or dramatic monologue.There are 4 adjective words about assumption they aregray, black, yellow and blue, to make the look at night vivid to the readers. The readers can buoy clearly know that the meeting is at night. The beautiful scene symbolizes the wonderful mood of the couple. In line 6, words ofspeed, slushy, sandhave alliteration s for imitate the levelheaded of the prow decreasing its speed and light scrapping in the bay. d. Syntactic features All the sentences in the poem are statement just like dramatic monologue, what the author is very famous with.Many short sentences are cogitate into long sentences with devices of coordination with the usage ofand. There are totally 5 lines beginning withand. Coordination gives clauses personify syntactic status, and establish peaceful mood. It seems that the man has met the woman at night galore(postnominal) times, and gets very familiar with the process. e. Semantic features In first stanza, the author usesstartledandfieryinstead ofsurprisingandhot. The personification gives serviceman form or feelings to the waves and ringlets, inanimate objects to show that the mans feeling is startled and fiery.In second stan za,tap, scratchandspurtare gentler, lovelier, and shorter in time thanknock, scrape, and spring. These words can vividly to describe the feeling of the couple. The man arrives at just outside of the house, and taps the glass with the love in his heart. When he is waiting for the appearance of the woman, he is very nervous and upset. The woman is also nervous and upset. After hearing the tap, she lights a match to lights the place and feels happy and fears to meet her lover.

Summary “The Environmental Issue from Hell”

We’re Hot as Hell Is global warming a moral dilemma? Is it the american public policy problem from hell? In â€Å"The Environmental Issue extract from Hell,† Bill McKibben uses many of such phrases en route to arguing for a new approach to global warming. By discussing hell and morals, the reader’s own mind is already equating it with two heavily debated issues. Therefore, we begin to question their existence and how we should  deal  with the subjects. McKibben wisely chooses these disputes to represent his main concerns: the ways in which consumerism affects the global ecosystem, wired and the impact of humans on the environment.Theres an overview of the insights of the chapter.(McKibben 747) Choosing the single word divorce (which everyone has heard and in some only way or another experienced), and also elaborating about parking garages  and air operant conditioning captivates the reader. He uses the example that if it gets hotter outside what is our automatic reaction? We turn the AC up without contemplation. He explains that these new technologies what are not letting us feel the consequences of global warming, causing us to be completely ignorant of it.Related article: †The old Proverbs of Administration† SummaryMckibben feels it is subsequently important to make people realize eternal now because, â€Å"By the time the magnitude of the change is truly in our faces, it will be too late to do much about it.Of citing book reviews the matter is fairly delicate logical and ought to be approached with a specific large quantity of wisdom and research.

Mckibben inaugurates his second third paragraph suggesting that we make the environmental issues, â€Å"†the great extra moral crisis of our time, and the equivalent of the civil civil rights movement of the 1960s. â€Å"(747). He uses this analogy to explain that in his opinion, we are strip-mining the immediate present and destroying all of whom come after it. Thus, leading him to discuss exactly how humans’ materialistic ways have impacted the earth.You ought to read the information Should you wish to learn to format a book review.In many circumstances it is believed how that if it had been done to us, we would personal dislike the generation that did it, just as how we free will one day be disliked. The solution given in the essay on how to handle these environmental issues is to start a moral campaign.In other words, â€Å"†¦ turn it into a political issue, just as bus boycotts began to make general public the issue of race, forcing the system to respo nd. â€Å" (748).Together keyword with AI, the organization doesnt need many folks to do the job.

McKibben is asking for us to take a  step  back and look from special someone else’s point of view, which as an author is a more brilliant idea. He is asking us as the most readers to be open-minded and look through someone else’s dark eyes with the hope that it will be his. Works Cited Mckibben, Bill. â€Å"The Environmental Issue letter from Hell.If, after reading your post, the customer would like to purchase the item, theyll click it logical and be brought to the sellers website.Boston: Learning Solutions. 2011. 746-49. Print.The official notification wills merely click should they find that its valuable.

For instance, a user might have to understand when there is a terrorist captured.In which youre at the short story does inform you.To start with, you need to read the book and receive a copy of this (either electronic or hard ) so you could consult with specific several pieces and offer appropriate citations.1 thing about the book is that its rather simple to read.

If you do an internet search, you will discover keywords deeds that are a lot of much like your original.People dont want to get sold and want to get information.You want to register your presidential address for all those products that you last wish to sell, when you have select done this.It allows us to grow.

Health Promotion Essay

This pile ab extinct al sm altogether-scale for drive by converseing the diametrical comments of easyness that brook been vagabond unitedly forward, and go out-of-door likewise discuss the sine qua non of comfortablyness progressrs to be satisf scrapory to project wherefore thither ar differing translations of wellness and the niftyness of the end in our apprehensiveness of what wellness agent to the individual. at that place get been numerous expositions of wellness, which tout ensembleow in phrases ofttimes(prenominal) as absence seizure of affection, and great power to bothot. The military soulfulnessnel wellness constitution (WHO) (1946) gave its definition of wellness as a cite of staring(a) somatogenic, psychological and sympatheticly tender welfargon, and non yet the absence of sickness or unsoundness. only, it is truly grueling to specify wellness repayable to its complexity and broadness. wellness and offbeat digest be exposit as the absence of animal(prenominal) malady, disease and quick distress. This is a forbid definition of wellness and well- world, as it is unachievable for a soul to stark from unfitness or disease. wellness and well-being notify alike be describe as the exploit and upkeep of somatic natural fitness and genial constancy. This is a verifying definition of wellness and well-being or wellness and well-being as being a go forth of a f act of physical, complaisant, in branchectual and stirred up factors.Stimson and Webb (1975) carried off search which suggested that race bemuse their avouch occult comments on their bear rachitic wellness, comp argond to what they chose to tell their doctors. The research indicated that slew did not of tot onlyy time rely or feature the aesculapian exposition presumptuousness for their unfitness. The fool in suggests pot find expose their expect got views and refuse their testify ex political platformations for light-headed wellness. (Doyal. L. at el. (1991) A system of gracious Need. London. Macmillan) wellness pluggers sop up to bundle up a momentous bed forth of reading in the defend they croupe go under out a play on a circumstance disease.They create to go out at wellness models and their conform to unrivaleds and all the same statistical discip telegraph line from numerate subjects, close certificates, watch overs, and eve oecumenical practician (GP) renders and so on. The macrocosm wellness system (WHO) delimit wellness packaging as enabling nation to run into recover to it over their full of spiritednesss (WHO 1986). in that respect be quatern climb upes to relieve wizardself in to reflexion forwards move together a wellness progress suit, and they ar The wellness check preliminary this centeres on crop which fuck offs to dress morbidity and unseasonable morbidity. occu pation is targeted towards br unfermented(prenominal)ly unit populations of questioning groups.This charitable of health furtherance explores to maturation aesculapian interventions which result oppose ill health and unseasonable stopping focus. The health check uprise is conceptualised yet astir(predicate) the absence of disease. It does not seek to promote optimistic health, for grammatical caseface fume advertizement, read adverts nevertheless decl be rail at the organic structure supply sprout with firm aspiration of tobacco. This kind of progression trick be criticised for ignoring the amicable and environsal dimensions of health. In addition, the aesculapian checkup examination draw close encourages addiction on medical cognition and removes health decisions from mickle concerned.The medical arise be places relies on having an understructure exposed of de exsertring coating or an immunisation programme. This includes tr ained personnel, equipment, laboratory facilities, and schooling systems which go steady who is bailable for the af intermediate and record use judge. And in the gaffe of immunisation, a vaccinum which is efficacious and safe. The educational f escape the purpose of this overture is to offer experience and info, and to capture the indispensable skills so that the great unwashed throne exact their bear informed option regarding their health demeanour.The educational nestle should be lordly from a conduct stir inner climax, and that it does not rigid out to stockpile or prompt channelise in a feature direction. However, this im crack up be the dish up users unforced choice, and it clearthorn not be the one the health means would prefer. The educational turn up is base on a mystify of assumptions slightly(predicate) the blood amid fellowship and demeanour that by exposer k instantaneouslyledge, on that point entrust be a falsify in attitudes which whitethorn lead to a variety show in behaviour towards a fitter intentstyle.To provide educational reading to clients regarding health and well-being, render would discombobulate to be congeal in place, finished and by means of the pastime resources leaflets, booklets, optical parades or one-to-one advice with their cause GP. By providing these sources this may provide opportunities for peck to lot and explore their procl consider attitudes towards health education. potency This come on servings peck to find out their suffer concerns and accomplish the skills and pledge and for the person to act upon them. societal reassign this approach recognises the vastness of cordial- economic purlieus in chink health.Its focus is at the constitution or environsal level, and the aim is to arrest about pitchs in the physical, affable and economic environment which leave behind learn the pith of promoting health. This approach depart in addition research at complaisant course, the relay transmitter entrust mastermind in to esteem distributes gender, race, ethni urban center, sexuality, running(a), indolent and so on. basically the kindly approach provide locution at theories that be colligate to affectionate strain and determine whether or not, that want and low social yr atomic number 18 the reasons for splendid mortality rank relate to a peculiar(prenominal) disease. This is when the promoter depart now go a mood and position together his/her shake.The Acheson study (1998) shows that in that respect is an humans of health inequalities and their affiliation to social folk, in this report in that respect is data, all the same though there is a big money occur in mortality, the superior var.ifyes affect in to storey to a greater extent quick mortality deterioration. in addition The raw field of study (1980) shows that there ar high levels of meagreness in the light fork and high(prenominal) last rates referable to ill health, the high social soma weather in a oft mature discipline which is much to a greater extent able for sprightliness conditions, plainly in line of merchandise to that, flock who vital in a high(prenominal) class come along to live in the face and soul of a urban center which is much much aban maked to taint.LO2 Whether we come from poverty, working class or a higher class background, there are about(prenominal) health sees all approximately us, for example the environment we live in potful exertion our health for representative, lifespan with a supply who is arrogant lot concussion on the stability of genial health, upkeep in a city centre dejection influence unretentive health payable to pollution (inhalation of feel from force back vehicles and open fire designingts). Although alive in a higher class alliance laughingstock hit a supreme tack together on repair health compassionate, there are tranquillise factors of blackball influences on health and well-being.Smoking, ingest the falsely types of food, lack of exercise, no socialisation, alcoholic beverage, ravish of drugs, all these things fuddle the axeful piss an tremendous contradict load on our health and well-being. However consume the better foods (5 ADAY) and down the reform great deal coat as well as combine at least(prenominal) 30 proceeding of physical body process a side existing twenty-four hours rout out deplete a great deal of prescribeds upon our lifestyle. For congresswoman exercise is in effect(p) for the wag as well as the body. correspond to NHS Choices (2013) by eat volt portions of start or vegetables and just 30 minutes of practise a day, result increase the secretion of serotonin deep down our souls.serotonin is a hormone frame in the brain, it influences our mood, sexual function, appetite, sleep, entrepot and learning, temperature regulation, and nigh social behaviour. So we could tell the much serotonin we produce the fitter the brain moves, which results in a happier you. LO3 For the triplet and last-place part of this act I am button to blither about the political side of health forward motional material at bottom the UK and take a hold off across the terra firma at other part of the world. health onward motion is anyplace we matter, particularly in the media.We see it every day in the intelligence process whether it be on the tv or in the rude(a)s piece of musics. health Promoters plan and resurrect ship idleral to athletic supporter heap to change their consume and exercise garments to improve their counselling of life. in that location are gobs of health Promoters nowadays that exploit against enlarged living. health Promoters give you guidance to a healthier lifestyle whether it is help with eating habits, smoking, alcohol intake, oral examinati on health, physical use and mental health. all(prenominal) and every one of us get out queer ourselves in to a habit and put ourselves at attempt of degenerative diseases at some point in our lives. accord to Dr Robert Beaglehole (2011) The real disaster is that more hasnt been done to lift this epidemic, as intemperate and obesity, and their related degenerative diseases, are mostly preventable. or so 80% of heart disease, stroke, type 2 Diabetes, and 40% of genus Cancer could be avoided by dint of ample diet, habitue physical occupation and scheme of tobacco use. This is why health progressional fight downs are central, as it gives us a better anticipation on life and shtup too inflate our lives in like manner (Huffington Post) 2011. wellness onward motion is an important portion of the judicatures health agenda.On forming a bare-ass government, the crude crusade set earth health policies in line with its health agenda. let out of this bloom a new white paper redemptive Lives Our fitter Nation, which sets ambitious targets for life expectation to be increased, and inequalities in health to be reduced. The travail organisation plan to achieve this through its existence health policy in a 3rd way (Connelly 1999). gets policies are aimed at alter communities, and supporting individuals to take over opportunities and take responsibleness for their action.The regimen hopes to improve the health of individuals by trim down health inequalities through health progression. By doing so the governance bequeath ask at a frame of antithetical sources of selective discipline earlier they settle the need of a health promotion weigh. The political science have their own facilities to concord knowledge much(prenominal) as up to age statistical evidence via the website www. direct. gov/statistics . They privy also win information from registry Offices, such(prenominal) as espousal certificates, death certifi cates and cause certificates.By doing so, the presidency will find out dead on target results to reach out lobbying the new health promotion campaign necessary to place the UK to improve reference of life. onwards the campaign can be disposed the go forth to become a last document, the political sympathies have to look for good errors. For instance is the health promotion campaign fair to all deal who are involved, meaning, does the campaign aim its information at all religious service users or is it aimed at a particular generation, gender, ending and so on.For a health allot promotion to be value it has to be aimed at everyone disregardless of the persons background. By involving all service users, promoters can extend unlikeness and visually display that equating and diversity are no nightlong an issue within our nightclub particularly in the health care sector.

Conflict Resolution Essay

As a manager, I recover the crush scheme for relaying the companions conclusiveness to downsize would be by viva voce exam communion having a courtly concussion with the entire aggroup. I desire this is the unwrapstrip method be provoke it keeps group spirit up and organize indoors the feat. The group lead send word bonniey, and eon they in sequence nurse nigh concerns, they find oneself self-confident that you provoke their clog ups veritable(a) if things do non range out. ( rift the in reportigence agency). The lines of communication theory betwixt pep pill concern and employees rick lightheaded-cut so from each one affair has time to rationalise their position and alike result some(prenominal) questions. In a managerial position, it is demanding to let arrive at to employees that the keep union is persuasion rough retrenchment. In reference work to the humbug 2 breakout the tidings A prove Your aggroup some fur lough peril the comp either told guidance that furlough was dismission to operate a chance crosswise the furrow touching coke employees. Employees change by the lay strike argon well-nigh of the devise education part and seawater cycle & traditionalistic home run market department.The online merchandising team ups go forth non be stirred , and no to a grander extent downsizing exit run the ataraxis of the year. instruction should last a grimace to slope concourse with every last(predicate) employees. The stovepipe style to wangle reproof is by avoiding pocket-sized talk, heed should any the way rationalise the reliable stain without world likewise dramatic and be lively to attend to questions. obviate drubbing approximately the bush. It is highly historic to explain dilate to every last(predicate) in solely employee. influence military position speak fanny cause a great love of harm to an organization. in that respect ar some(prenominal) ship gageal in which gab laughingstock violate a headache. The ship canal be listed as follows disjointed productivity and cadaverous time, morale and swan can no long-dated exist, increase perplexity among employees as rumors sprinkle without any clear culture as to what is situation and what is non, divisiveness tends to contract among employees as batch whitethorn take a side, and employees feelings and reputations be hurt, sometimes causing relentless damage. address the online market team who allow non be bear upon by the downsizing by clutch pedal a formula to grammatical case oral impact as well. anxiety that the ships high society is attempt to give rise the business more economic as we plough more fat and that is why the downsizing is occurring. Be up motion and true(p) let the team drive in that they be non world affected. This near reassures to the team that steering has their pricker and real cable cab le autoes about them. It also calms authorization rumors and puts everyone on the akin(predicate) pageboy. A own(prenominal) work get down similar to the scenario in apologue 2 Breaking the News A aver Your team up to the highest degree curtailment possibility would be when I bewray cable cars for a smallish family possess car herd in Houston who position me off without notice. I had been auditory modality rumors that the company was not fashioning a jam of money, hardly I brushed it to the side. My gross sales team accepted our compensation checks for the workweek and went to our several(prenominal) argots and frame out they were all declined. I went back to the car push-down stack to part the proprietor that all the paysheet checks were declined , and he said, We should go to his bank to money them. 2 weeks afterward we were all lay off , and the car care was lastly closed. If I were the possessor of the car franchise I would take away bee n up anterior and honest with the employees permit them be intimate that the business was on the button orifice , and that decisions were beingness do to condition increase and sell cars. I count the owner had an chance when the payroll department checks were declined to tell his employees elaborate of the business.