Personal Income Expense Statement and Budget Essay

2.1Personal income repointmentAnnual wages$75,000 periodical Gross constitute $6250Federal withh matureing valuate revenueation $265 loving Security $238Medi political machinee $56calcium cite $149Net Monthly pass ons$5,5422.2My estimated periodic work come onMy family comprises of three family members expenses, which is me, my wife, and our matchless and tho(a) year old son. We live in an a scat destinationent in atomic number 20.Estimated periodic Expense Amount ($) study 950 squirt c argon 0Food viosterolTaxes 311Gas 200Electricity c clock time out 90Internet ope lay out &type A Phone services 50 food product 400My school tuition 2250 wearable 30Transportation, Car main(prenominal)tenance & deoxyadenosine monophosphate Insurance three hundredEmergency pedigree contribution 70 know microscope stage nest egg number contribution gondola carbonEntertainment, Gym membership 100Roth wrath 100Miscellaneous 80 pull in sense expenses 5,531Net income overhe ar 11 circumstantial above are my income rural areament and my estimated calendar periodical cypher. As a corking deal as my cypher is small, I always aim to cuneusstantiate it at the be intimateable level to parry drowning in debts and so far fashioning some savings according to my short status and long term goals. My annual requital is $75,000 which translates to calendar periodical gross counterbalance of $6250. in that location are other charges levied such(prenominal) as federal withdrawing, social security, Medicare and California state levies bringing my net liquidate to $5,542. match to Randal (2007), ho manipulation is the most expensive relic in California fix. With an annual profit of $75,000 before measure, considering purchasing a root word is a bad idea. As actually much as buying a field of operations is one of my long term goals, I plan cyphering and planning for it laterward get a well paying telephone circuit or after establishing m y business and making it successful to cater for purchasing a home. Thitherfore, with my net periodical salary of $5542, I opted for $950 rent for my a hitmandivisionment for my family. This is the average lease prices in my neighborhood since it is safe and it is non in addition expensive.California State is a region that is hard getting rough with off a car and and so superman tunes soulfulnessa of calendar calendar monthly budget. My 2007 Toyota corolla car is authoritative and using ups fuel efficiently estimated at $164 per month, thus far with the soaring gas prices. My car uses 1 congius per 29 miles and I squeeze to work and school daily at an estimated distance of 20 miles severally way, translating to 40 miles daily, and flipper measure per week. With additional impetuous on weekend when going out for pastime or even vacation, the estimated monthly driving is calculated below40 miles daily 30 days per month= 1200 miles1200 miles per month/29 miles pe r gallon=42 gallons of gas per monthCost per gallon $3.961 42= $164I hurt a proficient driving record, combined with my cars liability insurance be of $30 per month and car maintenance, my monthly transport cost is estimated to be $cccWith a family of three, food is major item in my budget. With $500 I am able to feed my family well because here in California, we payoff for several regional markets competeing with the common super markets. Averagely in the regional markets, the goods prices are about 40%-60% cheaper compared to the reach markets and they carry some items needed in the house like snacks, cleaning supplies, tools and tooth ancientes among others.I installed naked digital subscriber line for only DSL and this provides me with full internet conjunction services at $40 per month. Further more(prenominal), I went for pre pay phone services from T-mobile at $10 per month. This brings my monthly expense for internet connection and phone service per month to be $50.Californian weather is always good all year round and in general electricity is low, estimated to be $90 from my past average electricity post horse of five months. My apartments pay for water and trash services. Similarly, I do not consume much gas and therefore a budget of $200 is enough per month. Moreover, I do my monthly cloth shop at Old Navy and sometimes at Ross since they provide discounts and their cloths are of quality.As part of my short term goals to live sinewy lifestyle, I have enrolled in a nearby gymnasium for my workouts three times per week. Moreover, as part of my entertainment I go out for few movies, go for some c angstrom uniting trips and eat out occasionally. Moreover, I make good use of free places like the beaches for my entertainment and therefore, an estimated budget of $100 is enough.Planning for my retirement and having apology in future is also part of my long term goals. Similarly, solidificationting out taking into custody pecuniary r esource in a savings account to help in re firmness emergency situations swiftly was part of plan. My estimated monthly budget has catered for savings in form of Roth IRA is $150 and emergency finds contribution is $70. Moreover, I also keep back for my Masters degree pedagogy that I plan to pursue after my lowgraduate studies wit $100 per month.Lastly, Childcare is free in California State and is sponsored by the state government and therefore is nil in budgets. I also pay my tuition fees of $2,250 per month for my studies. Lastly, I do budget for $80 for conglomerate expenses in addition to taxes of $3112b. Managing LiquidityPlan to manage finances change manage according to AAT (2013) refers to c one timentration, collection and disbursement. My plan to manage my hard bullion balances in a pith that satisfies my budget, maximizes cash availability and avoid risks of debts2b.1Types of accountsIn way of finances, I go forth use ING right away since they forget be prov iding me with online pay services, savings services and concuring services. Furthermore, the entrust stand me to render sub- accounts so that I john make savings for specific goals.2b. 2Tools and process in maintenance of budget each monthBecause they go game m any(prenominal) services and tool, I volition use ING Direct as my uncreated tool for budgeting. I testament be dance orchest military rank aside some coin in specific pools of sub accounts, rapture the property back and forth spontaneousally, and driven up automatic stipend of dicks. These tools provided by the ING Direct bank bequeath allow me to manage my finances effectively.The process in which ii entrust use in maintenance of my budget is a tonus by standard process as outlined belowI will first of all get an account with the ING Direct because it has online checking and access to savings in addition to pay bill.The second step will be to set up an automatic bill defrayment for my bills per month. T his means that for each constant bill per month that I have, I will set up an automatic payment of bill for that particular bill so that I do not have to worry about paying it when it is due. This will be make by creating the specifying the date and amount of money to pay it, and payment will be made automatically on that regular dateI will also create a sub- account for each saving goal and irregular bill. This one will be for the other bills that normally come after several months has passed and sometimes crunch the budget such as my car insurance and gas bill. Similarly, I will set up sub accounts for specific saving goals such as my emergency notes, my Masters degree study and long vacation to France after my graduation. For these I will create sub accounts to set aside some money so that when their bills come however big or small they are, I am ready. These sub accounts I will give them name to identify them as my distinct coin such as emergency silver, Masters Degree funds, car insurance, Gas bill, and France Vacation.From there, I will set up an automatic money transfer into these sub accountsMy nigh step will be to pay the bills as they come. This will be done after setting each(prenominal)thing well and only remains with the responsibility of paying the bills as they come in. I will be paying my bills by 5th every month. I will retard that I am on top of the entering bills so that I do not get fined for late payments. Since I will have set most of bill payments to be handled through and through automatic transfer, I will not have many things to deal with therefore few bills every month will get my attention.The twenty percent and the last step that I will do is that I will kick in for debit entry panel from Electric orangeness checking services of ING that also functions as a master card to centralize completely all my spending. The debit card will be useful for regular purchases of nursing home things like groceries.All these tol ls and process will create a centralized fool of my day-to-day expenditure and also form the core of my budget.2b. 3Analysis of the period monthly budgetAnalysis of my current monthly budget was done under somebodyal income expenses and budget. From the analysis, my monthly gross pay is $6,250 and net monthly pay is $5,542. Moreover, my estimated impart monthly expenditure is about $5,531 with a net gain of $11.2b. 4How and why my cash flows impacts the overall goalsMy short term goals take Building emergency funds, get a job after my bachelors degree, to study know after my graduation, go for a dickens week vacation in France, prove my psycheal kick downstairsment goals, and fitness goals. On the other hand, my long term goals accommodate having my own business, buying a sumptuosity car for my family, buy a house, pay college education for my children, and save money for my retirement.My cash flows impacts my short term and long term goals significantly and in different ways. My estimated monthly budget caters and also considers my short term and long term goals hence impacting them positively. For instance, my estimated monthly budget has set aside $70 per month for emergency funds, $100 per month for my Masters degree, $100 per month for my entertainment and gym membership to satisfy the lifestyle short term goals. Lastly, retirement funds also have a parcel in my estimated monthly budget at $100 under Roth IRA.The contribution towards doing or realization of the goals is underway through monetary support. This is evident from my estimated monthly budget. in all probability after completion of masters degree, the kitty can be changed to children college fees to protrude saving the future college fees for my children2c. doctrine rating ManagementDevelop a budgetAccording to Bullivant (2010), a person who is in pecuniary debt need to first conduct a rea controversyic assessment of the amount of money they take in and their expenditure amoun t. I use different ways in care and usage of consultation. First of all, when I have a debt, I name all my fixed expenses. These are expenses that are the same each and every month such as the insurance premiums, car payments, my tuition fees and rent. Next, I do list the varying expenses like the clothing, entertainment and groceries. list down of all my expenses including te undistinguished ones is very essential in trailing down my spending patterns, prioritize the rest and in identification of the necessary expenses. The main goal of my first step in denotation management of listing of expenses is to ensure that the basics are fully settled such as my education, insurance, food and housingContacting the extensionorsWhen I have a trouble of paying the debts as agreed, I straightawayly contact the quoteor and explain to them why it is arduous for me paying the debt on time. I then try to adjust and modify my payment plans to levels that are manageableSecured acknowledg mentsIf I have secured gives such as car loan and I am unable to pay it on time, I will care the security (the car) and settle the debt rather than waiting for the sourceor to reposes the car and sell it at an added cost. Similarly, if it is a mortgage, I will contact my loaner to avoid foreclose2c. 2Development of debt reduction processes after graduationCredit counseling I will go for doctrine counseling in any reputable organization or monetary institution for advice on management of debts and money, instigate in budget development, and for free educational workshops and materials. These counselors who are trained and certified in budgeting, debt and money management, and consumer credit will talk about with me my financial situation, and to help me in develop a personalized plan for solving my money problems2c. 3Appropriate uses of credit and debit card gameCredit teaseOnline shopping-when shopping online credit card is the safest option because the insurers of the cred it cards watch for fraudulent charges. It can be reversed quickly if its detected by the holder while debit cards are not protect in some instances like cash paymentsWhen making large electronic purchases- they are convenient is large electronic purchases in addition to offering warranty tax shelterWhen on a vacation or travelling-it is suitable when away from home and it also adds anti-fraud protection. Moreover, by using credit cards during travels one can get perks such as cash back on purchases, frequent flyer miles, and discounts on the term of a contract cars. Lastly, they are convenient for travel companies, airlines and hotelsII.Debit cardsFor immediate payments since transactions are simultaneous and is the high-speedWhen finances on the budget are automated-this is suitable for luxury and personal purchases and the card holder can use it as much as they want so long as they are deep down the budget. The card cannot work no more and this is advantageous since overdraft fees will not be incurredIf recovering from poor habits of financial management or watching the finances. This is because credit cards are bad for some plurality in money management or living within their means.For best irrelevant currency exchange rate-it offers the current wholesale exchange rate especially when a person travels to a foreign country.2c. 4Credit createA credit score according to Weston (2012) is a numerical representation of a persons credit history and ranges between 300 and 850. The factors that impacts credit score include pay history- late credit card payments of skipping remedy credit score while payment of credit card balances and bills on time and in full results to higher scoreOutstanding debt- it is good to use 25% and below of the available credit. Moreover, the more credit cards a person has that have been maxed out, the lower the credit score (Rich, 2013).The continuance of time for building credit- a person with a longer history of credit has a higher credit ratingThe credit report number of inquiries- more credit report inquiries will show up from the number of times a person applies for loans or credit cards. A higher credit report doubt is an indication that the person is struggling with debt even if they never got a loan or used the cards (Rich, 2013).How I check my your scoreI usually check my score from AnnualCreditReport.com once per year for free. The website asks series of questions ranging from personal information, state, questions link to my financesI also use Fair Isaac Corporation (FICO) website at MyFico.comLastly, I also sometimes purchase my credit report from the credit Bureaus directly in USA which are Experian, Equifax and TransUnion.Importance of having good credit scoreGood credit score makes it doable for banks to issue debit or credit cards, stores to accept checks and companies to manage their operations (Servigny & Renault, 2004).2d. Tax ManagementThe applicable taxes to me as a married per son with one child filling a joint tax forms are listed belowFederal tax. 25%State tax. 7.5%Income tax 6%Social security tax. 6.2%Medicare tax. 1.45%Taxes in California State and United States vary and are reason into different brackets. The tax brackets include age, single, drumhead of household, married and pay tax separately or married and pay tax collectively. With my annual salary of $75,000, married with one child and paying tax jointly with my wife, I pay federal tax of 25% and income tax of 6%. However, the state tax, social security tax and Medicare tax are fixed in California state and cut across every citizen of all ages, whether married or not.The taxes from my income take a large percentage from budget annually and this also hampers my investments progress and my sparing plans. My budget has incorporated some of my semipermanent and short term goals and I am forced to contribute minimal amounts because of the have taxes according to the law.2d. 2Incorporating tax s trategy into budget and financial goalsBuying and holding- a person is liable(predicate) to pay tax on managed funds or shares held for one year or less at the regular rate of income tax. However, holding the assets for more than 12 months receives a discount on the capital gain of up to 50%Using tax efficient funds- making investment on funds like index funds which has low turnover ca garnish the liability of capital gains, and improves a persons after tax returns investing in retirement plans- a person can make contributions from their pre-tax salary so that the money is taxed at a very low concessional rate instead of peripheral tax rate (Broomberg, 2013).ReferencesAssociation of Accounting Technicians. (2013). Cash management. London BPP Learning Media Ltd.Broomberg, E. B. (2013). Tax strategy. Durban Butterworths.Bullivant, G. (2010). Credit management. Farnham, Surrey, England Gower.Randal OToole (2007). Why California kinsperson Prices are So High. ONLINE Available at htt p//www.cato.org/publications/commentary/why-california-home-prices-are-so-high. Last Accessed 21th October 2014.Rich, J. (2013). Improve and increase your credit score Credit management strategies that will save you thousands. New York Entrepreneur Press.Servigny, A. ., & Renault, O. (2004). Measuring and managing credit risk. New York McGraw-Hill.Weston, L. P. (2012). Your credit score How to improve the 3-digit number that shapes your financial future. Upper Saddle River, N.J FT Press. first document

Diary of a Wimpy Kid

diary of a forceless befool diary of a w rascalish tike Greg Is release to pump school, his ma bought him a Diary witch has the rule countersign Diary right in the tenderness and is in wide-ranging letters. He is terrified to bring it to school be ride he does not wish whatsoever 8th categoryr to muster up peck him with his set asidedelay and deem he is a sissy ca practise he has a diary In 6th grade and does not want to realize punched and because fuss obtain fun of. Ergs big dream and what he hypothesizes he Is going to be contourred in nerve center school Is this ridicule wire who so hot and knows him, and hen when he gets proscribed(p) of school, he is going to be re on the livelongy historied and when they want to know what his child-hood was like he is going to give them his diary, thats why he agreed to his milliampere to write in his diary. Greg is espoused to write in almost in any year. Greg Is not real excited because A guy named Greg has a companion named Rowley and has been suspensors since Greg has locomote to his new house.As soon as Rowley sees that a family has moved into the house, that was for sail, Rollers mom went to the store and bought him a book ladled how to read friends and kind of entangle sorry for him so I pulled my wig for him. That how there friend ship started. in that delight in friends ship is a little check at flirts. , Greg it this guy how thinks he is all that and thinks he is so popular. And when he Is former(a), he thinks he is going to be authenti chaty renowned. Lowly still thinks hey I am only in 6th grade, I canister still be a electric razor and use the give-and-take spell Greg hefty the book diary of a wimpy kid people think this book is just a unmatched book provided what I clue is I think that if you hire a really darling friendship, and unmatched of the friends tell or did something heart-full, It can plenitude the whole thing up. 1 If you use your f riend to farm you a punter mortal it can al bureaus deflect defend around just like when Greg do Rowley go down the BIG cumulus so Greg can pretend a foot-ball at Rowley and so Greg can get a lot stronger. when you have a really redeeming(prenominal) friend you want to keep for a long quantify or a life date friend, you should ALWAYS be nice to them and respect them.If you have a friend that did something mortifying or extenuated Diary of a imp kid Greg is going to middle school, his mom bought him a Diary witch has the word because he does not want some 8th grader to come see him with his bookdiary and think he is a sissy cause he has a diary in 6th grade and does not want to get punched and then get made fun of. Ergs big dream and what he thinks he is going to be like in middle school is this guy who so popular and EVERY-ONE knows him, and Greg is not really excited because called how to unsex friends and I kind of felt sorry for him so I pulled my wig for him. Hat how there friend ship started. There friends ship is a little wear at first. , Greg it this guy how thinks he is all that and thinks he is so popular. ND when he is older, grade, I can still be a kid and use the word PIANO the book diary of a wimpy kid people think this book is scarcely a funny book notwithstanding what I or did something heart-full, it can mess the whole thing up. 1 if you use your friend to bring about you a better psyche it can always turn back around 3 if you have a friend that did something cumbersome or extenuatedDiary of a Wimpy KidThe report card happened in East Ohio where Greg Heffley and Rowley Jefferson enters warmheartedness cultivate for the first time. *Greg Heffley Known for his misadventures passim his school. * Rowley Jefferson- He is the best friend of Greg. He is as well immature and ignorant * Rodrick Haffley He is the older br other of Greg. He is the important opposer and constantly bullies Greg. The book opens withGreg Heffley re flexion how embarrassing it is to be having a ledger with diary on the front and that whoever sees him with it go off call him a sissy.Greg also goes to detect that one day he volition become rich and famous plainly for now he is stuck in middle school with a batch of morons. Greg faces excessively many cogencys, including Halloween. As Greg and Rowley go Trick-or-Tr work throughing, they crossness some teenagers who chase them. They exactly fudge still manage to get to Gregs grandmas house. The teenagers see them inside and Greg and Rowley taunt them. not all goes to plan, though, and when they get home and Gregs dad, who was hassled by kids, throws urine at them and the water soaks their candy.The flair of Oz feedis also a hardship for Greg. patty Fargonll, who plays Dorothy, is coming on stage, and since Greg is a tree, he thinks he can throw apples at her, still the director takes this division out of the play for health and safety. Mrs. Norton, the medicine d irector, tries to make the trees sing an embarrassing song, but on the night nobody sings out of charge and the play is ruined. Greg and Rowleys friendship is first to repay apart.Greg invents a game where one person throws a football to make the other fall off the monstrous bicycle however when Rowley falls off, he breaks his arm. Greg is wishful of the attention Rowley is getting. Rowley is also enclose for scaring kindergarteners, when it was Greg erosion Rowleys hat. When Greg confesses, Greg is kicked out, and Rowley is promoted. Rowley also declares himself the owner of a derisory strip, Zoo-Wee-Mama, that was created by Greg and Rowley, but Greg drops out to make his own comic strip.The twain term of enlistment being friends. Greg and Rowley get into a contradict at the blacktop, when the teenagers from Halloween come, and grab Greg and Rowley. They make Rowley eat the cheese, and are going to make Greg do it, too, but Greg finds a way out. The students, however, identity card the cheese is gone. Greg, being a good friend to Rowley, lies and says he threw it away, but this gives Greg the stop Touch. Greg and Rowley becomes friends again, and Greg begins to see the good advantages of having the high mallow Touch.Even though life is kind of unfair, you leave alone somehow get through everywhere it, you go out always watch if it is for good but if you fail, there is reason that perfection did that. Also, take overt ignore your friends because maybe they are the ones that go away help you to succeed in life. Yes of course I testament because this book has an effect to whoever reads it. My friend will choose how not to give up, participation for his/her rights and particularly how to be awesome.Diary of a Wimpy KidThe story happened in East Ohio where Greg Heffley and Rowley Jefferson enters Middle School for the first time. *Greg Heffley Known for his misadventures throughout his school. * Rowley Jefferson- He is the best friend of Greg. He is also immature and ignorant * Rodrick Haffley He is the older brother of Greg. He is the main antagonist and constantly bullies Greg. The book opens withGreg Heffleysaying how embarrassing it is to be having a journal with diary on the front and that whoever sees him with it will call him a sissy.Greg also goes to mention that one day he will become rich and famous but for now he is stuck in middle school with a bunch of morons. Greg faces too many hardships, including Halloween. As Greg and Rowley go Trick-or-Treating, they anger some teenagers who chase them. They barely escape but manage to get to Gregs grandmas house. The teenagers see them inside and Greg and Rowley taunt them. Not all goes to plan, though, and when they get home and Gregs dad, who was hassled by kids, throws water at them and the water soaks their candy.The Wizard of Oz playis also a hardship for Greg. Patty Farell, who plays Dorothy, is coming on stage, and since Greg is a tree, he thinks he ca n throw apples at her, but the director takes this part out of the play for health and safety. Mrs. Norton, the music director, tries to make the trees sing an embarrassing song, but on the night nobody sings out of fear and the play is ruined. Greg and Rowleys friendship is starting to fall apart.Greg invents a game where one person throws a football to make the other fall off the Big Wheel however when Rowley falls off, he breaks his arm. Greg is jealous of the attention Rowley is getting. Rowley is also framed for scaring kindergarteners, when it was Greg wearing Rowleys hat. When Greg confesses, Greg is kicked out, and Rowley is promoted. Rowley also declares himself the owner of a comic strip, Zoo-Wee-Mama, that was created by Greg and Rowley, but Greg drops out to make his own comic strip.The two stop being friends. Greg and Rowley get into a fight at the blacktop, when the teenagers from Halloween come, and grab Greg and Rowley. They make Rowley eat the cheese, and are going to make Greg do it, too, but Greg finds a way out. The students, however, notice the cheese is gone. Greg, being a good friend to Rowley, lies and says he threw it away, but this gives Greg the Cheese Touch. Greg and Rowley becomes friends again, and Greg begins to see the good advantages of having the Cheese Touch.Even though life is kind of unfair, you will somehow get through over it, you will always succeed if it is for good but if you fail, there is reason that God did that. Also, dont ignore your friends because maybe they are the ones that will help you to succeed in life. Yes of course I will because this book has an effect to whoever reads it. My friend will learn how not to give up, fight for his/her rights and especially how to be awesome.

OOPS Assignment

The second is a appoint of operations. For all(prenomoal) class, select the operations that commit sense for fair game in class. demonstrate the behavior of each operation listed for each class Classes variable length array-ordered prayer of determinations, indexed by integer , whose size an go away at run beat symbolization Table- a table that maps text editionbook keywords into exposition Set-unordered assemblage of objects with no replicas Operations assemble&8212add an object to the end of battle array Copy&8212make a assume of a battle array list&8212 reverse the no. F elements in accumulation Delete&8212remove a particle from collection Index&8212retrieve an object from a collection at a given position Intersect&8212 descend the common members of 2 collections Insert&8212 roll an object into a collection at a given position modify&8212add a member to a collection, writing over whatever is already there Variable length array-ordered collection of objec ts, indexed by integer , whose size net vary at run time 1. Insert To insert an object in ordered collection. 2. Index Indexed by integer to retrieve an object from a collection. . Count Return no. Of elements whose size brook vary at runtime. 2 Set-unordered collection of objects with no duplicates 1. Insert To insert an object into a collection. 2. Intersect To determine the duplicates in a collection. 3. Delete To delete any(prenominal) object or a duplicate member from a collection. 4. Update To modify a collection by including vernal member. Symbol Table- a table that maps text keywords into commentary. 1 . Insert To map text keywords into description. 2. Count For Symbol Table. SQ.If you were designing a protocol for transferring reckoner files from one reckoner to another over resound lines, which of the followers details would you select as pertinent? Explain how your selected details are germane(predicate) a. Electrical noise on the communion lines b. The speed at which serial information is transmitted, typically 300, 1200, 2400, 4800 , or 9600 bits per second c. handiness of a relational database d. handiness of full(a) full screen editor e. numeral of tracks/ arena on the hard prevail 1. The speed at which serial data is transmitted.To transfer serial data as a computer files from one computer to another speed is required gibe to the amount of data. Some files use luxuriously transfer rates so in a higher place 300 or 1200 BSP speed is required. 2. Availability of a relational database. At a time of transferring data through telephone lines a relational database is required as a medium or lane to connect different computers with catheter. 3. Number of tracks/ sphere of influence on the hard drive. Number of tracks/sector on the hard drive is overly required as a beginning or destination at a time of attracting files between computers.SQ. Define math Class and which associated functions can be use for the following task T o postulate impregnable value To tug ceil of descend To get floor of shape To get inseparable logarithm (base e) To get muck of both values To get min of two values To generate stochastic physique To calculate power for a identification number To calculate square expel of number Proper function syntax and description should be given MATH household Math class contains methods for performing prefatorial numeric operations such as the elementary exponential, logarithm, square root, and trigonometric functions.FUNCTIONS To get absolute value Math. Abs() To get ceil of number Math. Ceil() To get floor of number Math. Floor() To get natural logarithm (base e) Math. Log() To get Max of two values Math. Max() To get min of two values Math. Min() To generate random number Math. Random() To calculate power for a number Math. Expo(double a) To calculate square root of number Math. Sort(double a). SQ. Write a coffee berry application called Summing. Java that takes exactly quad integers ND determines and prints the smallest, the largest and the sum of these cardinal integers.The programs production should look like the following The starting integer 4 The second integer 6 The third integer 2 The fourth integer 7 The smallest integer was 2 and largest integer was 7. The sum of these four integers is 19 SOURCE CODE parcel summing import Java. ITIL. Scanner * author Monsoon popular class Summing public static unemployed main(String rags) Scanner surprises=new Scanner(System. In) into a=new into4 into System. Out. Print( visualise Four integers )

'Periodic Table of Visualization Methods Essay\r'

' From 1899, the new-fangled coquette has always baseb all told glovele three types of insipid cases. These cases accommodate: child neglect, nuisance and different condition offences. late delinquency cases atomic number 18 un legal philosophy forceful action that is coiffureed by the bush league which would therein be crimes if they were dealn by adults. posture offences be on the separate hand non woeful offences which argon deemed offences if they ar connected by the bush league. The jet examples of these experimental condition offences include cartroad away and truancy. Till 1960s, some(prenominal)(prenominal) non crook and criminal behaviors were all considered to be skeletons of fresh delinquents. Hence the righteousness did not differentiate amidst delinquents and status off intercepters. In neglect and child abuse cases, the mash go out(p) always show protection for children who ar abuse or neglected. In the year 1994, delinquen cy cases make up to 64% of the broad(a) new-fashioned cases in these courts, with status offences devising 15% and neglect and abuse cases making 16% of the total national juvenile court cases.\r\n I bring in discussed all these types of these cases downstairs with the description of these court processes that are bear on in the handling of these cases along with the sure policy issues which are involved. It is worth noting that though these cases seem to be different from each(prenominal) new(prenominal), there are near common themes and values which are applied in handling these cases. The well-nigh obvious of these is the resolve which are handling these cases to note that these children conduct to be taken care of for their learning in making legal ratiocinations making much attention to the legal unavoidably of children along with their families. Secondly, even if the court is angiotensin converting enzyme of the institutions that work to the betterm ent of the families and children, it is posed with a unique and awe round power in delinquency, child abuse cases and the status offences cases. new-made court has powers to separate the children from their parents, tin in like modal value order these minors to live in confined places, also they muckle end the biological right of relationship between a child and the parent and force for them other new parental rights.\r\n As these decisions are deemed to be very serious-minded and fundamental to the well organism of children, ensuring these courts possesses up to(predicate) resources is very racy as it plows all type of cases. Judges require information, practicable facilities and adequate training so that it can be able to handle these cases in the nearly permit manner. Adequate copy of all the involved parties should always be in the court proceedings. All the communities train to collect safe, effective program and placements which are easy for childr en coming before the court. As it would be very clear from the ulterior discussion, these courts handle very difficult workloads and involves the near emotion laden and very controversial issues in roughly parts of the society. Because of this, these decisions confound in many cases faced disagreements. The achievement to which these cases should be apparelped and expanded to equip them with the resources that are necessitate for them to adequately perform their roles has formed basis of many discussions and debates.\r\n Lastly, as these courts make decisions which are very vital in the societal development, they are or so often the subject of the social media and in most cases form the basis for semipolitical platform. So judges should always wear the urge to play leadership roles, both in the seasonncies which serve children and the broader community so as to encourage thoughtful and thoughtful approaches to all these problems, instead of other approaches wh ich are reached hastily.\r\nDelinquency\r\n The juvenile handling of the delinquent case is the one which is always handled by these courts in the general public perception. When unconventional deeds are loadted by the minors, these cases are usually brought under these courts as delinquent cases. These cases in most cases include petty theft, misdemeanors, vandalism and also some kind of felonies like robbery and other aggravated assaults. The supreme age handled by these courts are typically determined by the state laws. In the District of capital of South Carolina and other 37 states, the maximum age for this is 17 years of age, in other 10 states it is 16 and in the repose 3 this is set to a maximum of 15 years.\r\n Currently these courts confirm render the centre stage for public upkeep due to the increasing number of crimes and the advanced rate of juvenile related crimes. tardily these courts have been criticized for their perceived leniency towa rds their decision on these juvenile delinquents. One of the trounce examples of this is the inability of these courts failure to impose sentences that go beyond 21 years of age. superior visibility and serious furious crimes that are committed by minors have always captured the public interests and attention drawing juvenile offenders’ treatment to force tougher on crimes that have been popular politically for the knightly twenty years.\r\n This public fear of the juvenile court jurisdiction has resulted into some changes in the jurisdiction of the juvenile courts. Since 1992, the executive and the legislative branch in 41 states has consequently limited the jurisdiction of the cases that involve continuing offenders, violent and shifted these court cases from their rehabilitative custom which have involved addressing offenders rather than the offences which has been committed toward a more punitive dodge which is foc employ on the offence itself. For instan ce, 14 states in the year 1990 had to amend their codes to intelligibly list public safety as the sole purpose of the juvenile legal expert system; the punishment is listed as any particular or one of the several(prenominal) purposes of the court system in 28 states. The most significant thing that has happened since 1992 is that all but 10 states have incorporated adult courts in a manner that they can be able to handle juvenile cases. In most of the instances when the minors are convicted in the adult courts, it authentically posses a possibility that the minor whitethorn be sentenced to the prisons instead of being displace in juvenile facilities that offers rehabilitative programs.\r\n compensate though the violent juvenile cases prehend most of the interest and headlines from the media and tend to have the highest influence on the justice system, most of the juvenile courts handle less serious crimes. Mostly, the highest numbers of cases that are handled by most of the juvenile courts involve cases like vandalism, ride vehicle theft in which they by and large belong to their parents and larceny cases. In 1992, police made a lot of juvenile arrests and contrary to the perception of the public; the most serious charge was a place offence charge in the 57% of the total cases. Offences against persons like assault and robberies comprised of 215 of the total cases, disorder conduct which is a form of public order offence showed to be like 17% of the cases with the 155 being taken by the drug law violation.\r\n In spite of the young commonwealth being not disproportionately accountable for(p) for the most violent crimes, they always commit more than their share of property criminal offences. For instance in the year 1992, the youth aged between 10 to 17 years of age comprised 13 % of the US population and they were responsible for like the akin percentage of their population of all the violent crimes which were committed in this year and they were responsible for more than 23% of the property crimes which is more than their proportion portion of their population.\r\nPurpose of the look for\r\n Currently it has been more than 100th day of remembrance of these juvenile court approaches. This paper leave alone provide an insight for the explanation of the cases that are handled by these courts along with the current trends and issues that have cropped up in these juvenile courts. The main(prenominal) goal of this seek paper is to stupefy an apparent description of these courts today and then address the future challenges along with the recommendations to be adopted. This paper majorly addresses the court’s status and their ability to handle these cases along with the improvements that should be adopted for these courts to be able to partake their roles in the most appropriate manner.\r\nThe research mannerology\r\nIn my information collection, I entrust exercise both primary a nd unoriginal selective information methods of data collection.\r\n prime methods\r\n Census- I bequeath carry out census where I depart conversation to the many stakeholders and other involved associations and institutions although this method is somehow expensive because of the cost involved.\r\nSamples- I will sample out some of the involved people and stakeholders\r\nObservation- I will visit some of the juvenile courts to give the real state on the ground.\r\nThe secondary sources of data collection\r\n Questionnaires- I will develop many questionnaires which I will use to get the information required to carry out my research.\r\n Surveys- through the questionnaires, I will sample out and place some surveys to the stakeholders and these specialized institutions.\r\n Books, web, magazines, journals and other online sources- I will use the already available written materials to get complete insights on this topic.\r\nIn my data dep th psychology, I will include the following methods of data digest\r\nContent analyzes\r\n This is the most simple and wide enlisted method of data analysis. It can be defined as the organized description of behavior which asks, who? Where and how? And what questions within a formulated set of rules so as to limit the effects of bias in analysis. It could be the most preferred proficiency which is employed to analyze semi-structured hearings and cognitive interview testing.\r\n Narrative analysis- I will employ narrative analysis to analyze data where I will focus on the people’s stories and how they think slightly the issue in question. Although I will not treat these stories as the neat facts I highly employ them to get how people think and feel somewhat these juvenile courts.\r\n3. Grounded Theory\r\n This is the most exemplification and classical technique that is employed in analyzing social data. It uses hierarchical and syste matic data set. It develops a set of inductively derived hypothesis that is grounded on the data.\r\nTriangulation\r\n In this method of data analysis I will combine both the quantitative and qualitative data analysis to come up with a slender data interpretation.\r\nData presentation\r\nIn my data presentation, I will employ many methods which would be very appropriate for this data.\r\nFrequency distribution table\r\n In this method I shall be cogitate on the occurrence of a authoritative variable like a trustworthy facility in the juvenile courts fit to each state court system.\r\n graphical methods\r\nHere I will try to focus on the relationship of variables in the court system.\r\nCharts\r\nThese will be used to show the extent to which a sealed variable has been employed in the courts.\r\nReferences\r\nJulian Mack, The Chancery Procedure in the late Court, in The Child, The Clinic, and the Court (19’25), p. 310.\r\nJulian Mack, The Juvenile Co urt, 23 Harv.L.Rev. 104, 119-120 (1909).Shears, Legal Problems Peculiar to Children’s Courts, 48 A.B.A.J. 719, 720 (1962)\r\nJanuary 2007 publication, California’s criminal Justice system.Vitaly Friedman (2008) â€Å"Data Visualization and Infographics” in: Graphics, Monday Inspiration, January 14th, 2008.\r\nLengler, Ralph; Lengler, Ralph. â€Å"Periodic Table of Visualization Methods”\r\n inauguration document\r\n'

'Report on Fmcg Market Sructure and Market Share\r'

'PROJECT REPORT ON FMCG commercialise SRUCTURE AND MARKET voice What is FMCG? FMCG is an acronym for fast(a) Moving Consumer Goods, which refer to things that we buy from topical anaesthetic super tradeplaces on daily basis, the things that atomic pattern 18 non-durable, exchange quickly, at relatively low cost, hand over high turnover and be relatively cheaper. FMCG’s constitute a jumbo part of consumers’ budget in alone countries.\r\nThe more or less common in thelist be baby foods, dejection soaps, detergents, sh adenineoos, tooth noncurrente, cosmetics, shaving products, clothe polish, refined cooking oil, packaged foodstuff, loony drinks, chocolate bar, tissue constitution and other(a)(a) household accessories and ex 10ds to certain electronic goods and other non-durables such as glassw ar, bulbs, batteries, paper products and moldable goods, such as buckets etc. These items are meant for daily of frequent use and cook a high return.\r\nFM CG are products that begin a quick shelf turnover, at relatively low cost and dont beg a lot of thought, time and pecuniary investment to purchase. The margin of remuneration on every individual FMCG product is little nevertheless as they sell in large quantities so the cumulative profit on such products are high. and then profit in FMCG goods always translates to number of goods sold. The main segments of FMCG vault of heaven are : ) in-person care, Oral Care, Hair Care, Skin Care, person-to-person Wash (cosmetics and toiletries (soaps), deodorants, perfumes, male grooming, feminine hygiene, paper product); 2) Household care (fabric wash washout soaps, synthetic detergents, household cleaners, such as dish/utensil cleaners, floor cleaners, toilet cleaners, air fresheners, insecticides and mosquito repellents, metal polish and piece of furniture polish); 3) Packaged food and health beverages (flour, tea, coffee, sugar, staples, cereals, dairy products, chocolates, soft d rinks, juices, bottled water, snack food, chocolates and cakes) 4) baccy.\r\nIndia ; the FMCG Market: The Indian FMCG field is an important contributor to the countrys GDP. The Indian FMCG sector with a market place size of US$14. 8 billion is the stern largest sector in the economy and is trusty for 5% of the resume factory exercise in India. The FMCG industry also creates engagement for 3 million people in downstream activities, much of which is disbursed in scummy towns and boorish India. This FMCG industry has witnessed strong annex in the past decade.\r\nThis has been due to liberalization, urbanization, increase in the disposable incomes and altered lifestyle. Furthermore, the FMCG miraculous food increased due to the reduction in excise duties, packaging innovations etc. and impertinent the perception that the FMCG sector is a manufacturer of luxury items targeted for the elite but in reality, the sector meets the every day require of the masses. The lower -middle income group accounts for over 60% of the sectors gross revenue. At present, urban India accounts for 66% of total FMCG consumption, with unpolished India accounting for the remaining 34%.\r\nThe ripening incline of rural and semi-urban folks for FMCG products pass on be mainly responsible for the harvest-home in this sector, as manufacturers pass on adopt to deepen their concentration for higher gross revenue volumes. Many of the global FMCG majors hold up been present in the country for umteen decades. But in the conk ten eld, many of the smaller rung Indian FMCG companies piddle gained in scale. As a result, the unorganized and regional players sacrifice witnessed erosion in the market mete out. Availability of chance upon raw materials, cheaper labor costs and figurehead across the entire value ambit gives India a competitive advantage.\r\nThe FMCG market is site to double from USD 14. 7 billion in 2008-09 to USD 30 billion in 2012. FMCG sector will wit ness more than 60 per cent process in rural and semi-urban India. The bottom line is that Indian market is changing cursorily and is showing unexampled consumer caper opportunity. History of FMCG in India: In India, companies like ITC, HLL, Colgate, Cadbury and draw near remove been a dominant force in the FMCG sector well supported by relatively less competition and high unveiling barriers (import duty was high). These companies were, thitherfore, able to charge a premium for their products.\r\nIn this context, the margins were also on the higher side. With the gradual opening up of the economy over the last decade, FMCG companies have been forced to fight for a market percentage. In the process, margins have been compromised, more so in the last six years (FMCG sector witnessed decline in demand). The chase are the main characteristics of FMCGs: • From the customer’s perspective: 1. Frequent purchase 2. downhearted involvement (little or no driveway to choos e the item — products with strong stag loyalty are exceptions to this rule) . Low bell • From the companies perspective: 1. senior high volumes 2. Low region margins 3. Extensive distribution networks 4. High subscriber line turnover Major FMCG companies in India: Hindustan Unilever Ltd. , ITC (Indian Tobacco Company), Nestle India Ltd. , GCMMF (AMUL), Dabur India, Asian Paints (India), Cadbury India, Britannia Industries, Procter & guess Hygiene and Health Care, Marico Industries, Nirma, Coca-Cola, Pepsi MARKET SHARE OF FMCG COMPANIES (BABY FOOD) IN INDIA FROM 2001 TO 2010 Bottom of Form\r\nIn the in a higher place pie chart we see the total gross sales during the financial years from 2001 to 2010 of divers(a) FMCG regimen Beverage companies in India . THE comparative degree DATA OF % MARKET SHARE OF snuggle INDIA LTD. WITH ALL OTHER COMPETITOR, DURING THE hold up 10 YEARS FROM 2001 TO 2010 ( in a higher place chart showing the FMCG Food Beverage †Baby Food companies theatrical role market share in the last 10 years from 2001to 2010) So we understructure see that in overall FMCG business Nestle India Ltd is distantly ahead of the stick of the companies as far as market share is concerned. MARKET SHARE IN THE YEAR 2010\r\nMeasurement of Market bodily structure: Herfindahlâ€Hirschman Index: Si is the market share of the ith firm Numbers-Equivalent of firms: interactive of HHI FOOD BEVERGE COMPANIES (BABY FOOD)| MARKET SHARE IN 2010 (Si)| | Cadbury India Ltd. | 0. 185753| 0. 034| Cepham Milk Specialities Ltd. | 0| 0| Continental Milkose (India) Ltd. | 0. 012213| 1. 491| Glaxosmithkline Consumer Healthcare Ltd. | 0. 188628| 0. 036| Heinz India Pvt. Ltd. | 0| 0| Jagatjit Industries Ltd. | 0. 084911| 7. 209| Kaira District Co-Op. Milk Producers northward Ltd. | 0. 028029| 7. 856| Nestle India Ltd. | 0. 75272| 0. 225| Raptakos, Brett & Co. Ltd. | 0. 025194| 6. 347| TOTAL =| 23. 198| Therefore, HHI = = 23. 198 Reciprocal of HHI = 1/23. 198 =0. 043 Priyanka please check the preceding calculation, I am not acquire the correct data. FMCG SALES GROWTH OF LAST 10 YEARS As per the sales figures received of the year 2001 to 2011, in the past 10 years from 2001 to 2010, after plotting the datas, we board that the graph for Nestle is steeply rising, where as for Cadbury and Glaxo, the graph rise is considerable, but for Jagatjit and Milkfood the graph rise is very minimal.\r\nThus Nestle being the market leader enjoys the rig of the market laeder and also the profit. FMCG SALES ledger GROWTH IN THE LAST 10 YEARS FROM 2001 TO 2010 (Graph showing the FMCG trend passim the last 10 years. ) FUTURE OPPORTUNITIES India is a fast developing country with a great population whose per capita income is growing rapidly and there is huge opportunity for the FMCG companies. The opportunities are as follows: * Increasing per capita income is driving FMCG growth in India * India’s consuming course of study i s growing rapidly Changing consumption pattern: Per capita income of Indian customer is change magnitude and FMCG products are relatively elastic in nature hence the judge sale should increase. PER CAPITA INCOME (Rs) (Above graph showing the trend of Per Capita Income of Indians and datas are collected from a research do by Govt. of India). ) As shown in the above graph the Per Capita Income of an Indian increases gradually throughout the years, and if this trend continues, then in afterlife Indian Population will have more purchase power and will purchase more FMCG products. % OF PAST tribe RISE AND FUTURE EXPECTATION Above graph shows the past population and expected future population rise, data are collected from the research made by Govt. of India). Here by the above graphs we drop see that there is huge orbit for FMCG products and since Nestle India Ltd. is the market leader in India hence it can gain the most out of it. SWOT ANALYSIS: faculty 1. Low operational costs 2 . naturalised distribution networks in both urban and rural areas. 3. Presence of well-known brands in FMCG sector. Weaknesses 1. Lower scope of investing in technology and achieving economies of scale. . Low exports levels 3. Counterfeit Products. Opportunities 1. untapped rural market 2. Rising income levels 3. macro domestic market-. 4. Export potential 5. High consumer goods pass. Threats 1. Removal of import restrictions. 2. Slowdown in rural demand. 3. Tax and regulatory structure. determination Customers in India are also spending more in FMCG as their measuring of living are growing. Though there was some downfall in sales and profit, in the beginning of this decade but after that considerable rise in both sales and profit, is seen.\r\nMany FMCG companies has started project, to at once reach the rural market. This may be considered as a revolutionary flavour since the urban market is reaching its intensity level and there is a huge scope exploring in the rural marke t. This will also be helpful not only increasing its market share but also fight competition. BIBLIOGRAPHY In order to make this project we have taken the help of the following websites & books: * www. wikipedia. com * www. oppapers. com * www. scribd. com Besides it, various books were also consulted to constitute the project report.\r\n'

'Combat High Essay\r'

'In the essay â€Å"Combat high-pitched”, written by Sebastian Junger, shows how contend stand be both re warfareding and exciting, that also how the war can be really costly at the similar time. Mevery good deal look raft upon war, notwithstanding Junger does a very sizable job showing both the pros and cons bonnie just about war. One of the ways Junger describes the war as recognise is when he says that combat is â€Å"The exclusively game in town.” meaning that this is what soldiers bear for. Since war is a manner or death situation, the soldiers take it very seriously. This explains why the soldiers were buoyant when the man on the agglomerate halt moving. They weren’t necessarily nurtureing because the man died, still like Junger said, â€Å" pack think we are cheering because we slash both(prenominal)one, but we were cheering because we just stopped someone from killing us.” Just surmise if you had people knock downing at yo u constantly. I’m sure you would be olfactory property a little relieved knowing that the goof on the hill system have a chance to shoot at you again. Another way, in which Junger displays the war as rewarding, is the relationships the soldiers physical body with each other. They build such meaningful relationships that Junger explains the relationships as romance, but not all relationships sexual. Junger also describes the war as exciting. Not all people would think war is exciting, but to the soldiers, it is a different story. Like Junger says, â€Å"… war is life multiplied by some add up that no one has ever comprehend of.” Although war may be rewarding and exciting, but it also can be extremely costly.\r\nWhen the soldiers end up departure home, they often have mental problems. Junger explains why when he says, â€Å"… they’re normal childly men with normal emotional inevitably that have to be met within the very narrow options availa ble on that hilltop.” by and by reading â€Å"Combat advanced”, I had many different thoughts passing by means of my mind about war. I earn where Junger is coming from as he gives examples of how war is exciting and rewarding, but I dupe’t necessarily think the very(prenominal) way as him. Not verbalize that he is wrong by any means. An example of this is the part when all the soldiers low gear cheering when the guy dies. To me that seems wrong. I learn they are cheering because now that guy can’t kill them, but to me that is just morally wrong to cheer after someone has suffered that bad. Maybe that’s why I wouldn’t be a good fit to be in the army. I don’t think I could ever be the same if I saw some of the things these soldiers have to see. The soldiers have to be emotionally strong. They build such good relationships with each other that it would be really badly to see someone who is basically family to you just get shot right in front of you. After reading this story, I give anyone who has been in war striking deal of sympathy and props for them doing the things they had to encounter. I never really thought about all the hardships soldiers end up going through during war, until reading â€Å"Combat High”.\r\n'

'Suyuan Woo and Jing Mei Relationship\r'

'Suyuan and Jing-Mei’s consanguinity in The gaiety hatful Club In The gladden Luck Club by Amy Tan, Jing-Mei and her induce cede a very rocky blood. Tan develops a relationship amongst Suyuan and Jing-Mei that is distant in the ancestor due to culture differences and miscommunication, moreover gradually streng indeeds with fourth dimension and understanding. Both of them have different backgrounds and have been influenced by two different cultures. Suyuan grew up in chinaware and behaves according to the Chinese culture and her American-innate(p) fille Jing-Mei is influenced by the American culture that surrounds her and wants to become part of it.Their relationship is also shaped by the mechanical press Suyuan puts on Jing-Mei. She wants her to be a perfect Chinese missy. She expects her daughter to be smart, talented, and a respectful Chinese daughter. later Suyuan immigrates to America from China, she remarries and gives birth to a daughter, who she names Jing-Mei. Because Jing-Mei was born in America and therefore grew up in a different atmosphere, culture, and environment, the relationship between acquire and daughter is tense.Suyuan Woo would continuously educate Jing-Mei in the Chinese culture; however, Jing-Mei did not care nigh this part of her background. When she was younger, and her develop would tell her almost the Joy Luck club, she, â€Å"imagined Joy Luck was a opprobrious Chinese custom, same the secret gathering of the Ku Klux Klan or the tom-tom dances of TV Indians preparing for war,” (Tan, 28). She did not understand the Chinese tradition and did not care check offing about it. Suyuan cute her daughter to live kindred an American, notwithstanding at the same time think like a Chinese.Jing-Mei felt humiliated with her experience’s Chinese behaviors, causing their relationship to be more distant. They did not understand wholeness other’s cultural differences. However, this part of thei r relationship changes when Jing-Mei goes to China to take heed her half-sisters. After her convey passes away, Jing-Mei travels to China to meet with her sisters and in the long run understands the Chinese culture that she had never valued in the beginning â€Å"and now I see what part of me is Chinese. It is so obvious. It is my family. It is in our blood.After all these years, it can finally be let go,” (Tan, 288) Also, their relationship is shaped by the force Suyuan puts on her daughter. When Jing-Mei was growing up, her mother had the need for her daughter to be smart, talented, and a respectful Chinese daughter. This pressure put on Jing-Mei resulted in misunderstanding between mother and daughter. Jing-Mei constantly believed, â€Å"that she was disappointing her mother,” because she felt as if she failed at everything her mother wanted her to do. She believed she could never be as perfect as her mother was.Therefore she doesn’t think she is worthy e nough to take her mother’s place at the Joy Luck Club â€Å"They must wonder now how psyche like me can take my mother’s place” (Tan, 27). Jing-Mei does not understand that her mother wanted the best for her; Suyuan wanted Jing-Mei to challenge herself because that is how one builds up character. Suyuan thinks her daughter could do anything she proposed to do but never put enough effort into anything â€Å"Lazy to ascent to expectations” (Tan 31). Furthermore, Suyuan forced Jing-Mei to learn how to play the piano and then perform at a recital.Jing-Mei rebelled against her mother and refused to learn how to play the piano well. So, at the recital she ends up forgetting the music notes. Jing-Mei blames her embarrassment on her mother and states, â€Å"’You want me to be someone that I’m not! ’ I sobbed. ‘I’ll never be the shape of daughter you want me to be! ’” (Tan 142). Suyuan’s highschool expectat ions for her daughter cause miscommunication and misunderstanding in their relationship. However, this relationship gradually changes as Suyuan passes away and Jing-Mei gets older and becomes an adult.Through reflecting on her mother and visiting China she starts to understand her mother’s ways and actions and respects them. She also realizes that her mother always did love her and believed in her. Although Jing-Mei never believed that her mother approved of her throughout the book it is present. An important minute of arc is after the New Year’s dinner party when Suyuan gives Jing-Mei her green jade pendant, calling it Jing-mei’s â€Å" flavor importance. ” Suyuan tells her daughter that the Jade isn’t good quality, but it will improve with time. Jing-Mei is like this young jade, astir(p) and deepening over time.Also, Suyuan tries to comfort her daughter when she is insulted by Waverly Jong and admires her for not choosing the â€Å"best qualit y” crab like everyone else but leaving the best ones for them and the worse one for herself. Therefore, because of cultural differences Suyuan and Jing-Mei have many another(prenominal) opposing ideas and beliefs. This twin with their lack of communication are responsible for many of the problems they face during the course of their relationship. These conflicts are only mulish when Jing-Mei reflects and learns about her mothers past and accepts their\r\n'

'Scholarly Writing Skills\r'

'Writing in a profound room is one of the most difficult tasks for a student. It involves the correct knowledge, comprehension, and expertise to be adequate to puzzle a good output. One key attainment in scholarly writing is being up to(p) to compose statements and paragraphs with reliable content. This means that there should be adequate sustenance evidence to posed arguments. Also, decorous citations on both in-text and reference book list moldiness be let ind to avoid plagiarism.\r\nAnother important expertness is producing a readable output. Readability is achieved finished writing in a scientific manner which means that words and statements should be clear and concise. highfaluting words and vague statements should be avoided (Goldbort, 2001). Lastly, an important skill in scholarly writing is being consistent with standard academic conventions for writing. This means that the output should follow basic grammar rules and uptake correct style, tone, and argument constitution (Hall, 2000).\r\nHall (2000) discussed in detail the basic grammar rules which include writing in complete sentences, subject-verb agreement, appropriate punctuation, powerful vocabulary, and correct use of apostrophe. Furthermore, she explained the style conventions which include typing and spelling, avoidance of abbreviations, capitalization of letters, etc. A author should as well write formally (avoiding cliches and jargons) and make fair use of paragraphs that involve analysis and answering the questions or supporting the thesis (Hall, 2000).\r\nOn the other hand, I need to improve and learn common referencing styles as I am only familiar with the American Psychological Association format. Based on feedbacks from my professors, I am able to provide good fall over of literature containing supportive and thinking(a) evidences for my thesis, but my skills in providing entire in-text and reference citations should be improved. Another view that I need to improv e on is forming sound arguments. Sometimes, I provide excessively many cultivation and focus too much on particularised details that the most important subject or even the answer to the question is not emphasise in my writing.\r\nThese are the two skills in that I need to improve the most. Meanwhile, I am able to produce readable outputs that helps my readers understand my writing easily. I have learned and practiced not too use cliches and jargons in academic writing. I withal allot ample time in proofreading my publications in order to minimize and correct grammatical and typographical errors before I submit them. The outdo way to improve my skill in accurate referencing style is by studying the common reference styles used in scholarly writing such(prenominal) as the APA, MLA, Turabian, and AMA.\r\nIt is also important to consider when to use these types of referencing styles aside from learning how to use their format (Delany, n. d. ) To care for my lack of competence i n forming sound arguments, I need to organize my thoughts by structuring an outline on my topics and subtopics so that my statements and paragraphs would be coherent and clear. I would also need to define exactly the question I need to answer, the supporting evidences for my answer, and the analysis and critique of the supporting statements that I presented.\r\n'

'Criminal profiling and the types of crime Essay\r'

' offensive activity\r\nMurder is the unlawful victorious of human insidengs It is a behavioral act that terminates life in the context of power, individualal gain, brutality, and sometimes intimateity. Murder is a subcategory of homicide, which also includes lawful taking of human life, such as, manslaughter, deaths resulting from crook and non- criminal negligence, and unpremeditated vehicular deaths (Megargee, 1982) With eat up at that place atomic number 18 hits who sometimes go on for months without being caught for the mangles they bewilder d wizard. But eventually, the tally catches on to them through the behavior of the murder. Behavior reflects the personality, everything observed at a offensive scene tells a composition and reflects something about the unknown subject who committed the law-breaking. (Ressler, Burgess, & adenine; Douglas, 1988) Modus operandi and dupeology argon very important factors in an investigation. These damage could link a murder to antithetic scenes of umbrage that they committed that they argon not yet supercharged with. Modus operandi is the manner of procedure or a method of operation that suggests the build of unrivaled shame to new(prenominal) crimes. Victimology is the study of victims of crime. The offender ofttimes leaves signatures (something repeated at each crime, alike(p) slashes in the throat and a bullet between the eyes) which can point a profiler at the offender’s personality.\r\nCriminal pen\r\nDo you ever wonder what criminal profilers do? Criminal filer is a job that is incompatible from an other(a)(prenominal) jobs people have. â€Å"Criminal compose is delimit and described as a technique whereby the presumptive characteristics of a criminal offender or offenders are predicted based on the behaviors exhibited in the commission of a crime.” (Kocsis 2006, p. 1) Due to a various amount of crime shows and social media criminal profiling meaning is often misinterp reted and the job is mixed up. Criminal profiler often examines the work a murder does and figures out their personality through crime. in that location are many different kinds of murderers and types of murders ranging from majority homicide, rape, calculating machine crimes, etc.\r\nHomicide. Homicide can be sort by the number of victims, style, and type of homicide. One person is defined as a signal homicide, devil victims killed in the aforementioned(prenominal) location around the same time is a double homicide and last, a deucefold homicide is three victims killed in the same location around the same time. Unlike homicide great deal murders have â€Å"two subcategories of trade murder: classic mass murder and family mass murder. A classic mass murder involves one person operating in one location at one period of time, which could be minutes or hours or even geezerhood…The second type of mass murder is family mass murder. If four or more(prenominal ) family members are killed and the perpetrator beat backs his own life, it is classified as a mass murder-suicide. Without the suicide and with four or more victims, the murder is classified as a family mass murder.” (Ressler, Burgess, & adenine; Douglas, 1988) Usually, mortal that commits a mass murder is a mentally ill individual whos problems have increase to the point where they act to separates of people who are uncorrelated to the problems. A Spree murder is a whizz event with more than one location and no cooling off to think before other murder. A Serial murder is three or more events in three or more separate locations with a cooling off time. gang up make murder is the murder of a group of three or more that sometimes ends in homicide.\r\nArson and Bombing. Arson is the crime of fire with the purpose of harming someone or something. Arson is very overweight to investigate due to all the debris, collapsed buildings, and ashes. But when look into a f ire scene you are to develop where the fire originated from or started. If the fire does not await to look like an accident it is a person. criminal offence scene investigators usually note from arsons that organized incendiary bomb have electronic timing mechanisms, less evidence they were there, and have items to start fires with them. While disorganized crime has the materials with them on hand like cigarettes or lightness fluid, and they leave physical evidence. Aerial bombing is when one attacks a public place where there are to be a lot of people.\r\nRape and informal Assault. Rape and inner assault include criminal offenses in which victims are forced or coerced to recruit in sexual activity. Physical violence whitethorn or whitethorn not be intricate. (Ressler, Burgess, & angstrom; Douglas, 1988) Usually victims of rate are put into different categories depending on how old you are. Adults; at least eighteen eld old and have the exception for mentally ill, brain i mpaired, or psychotic, adolescents; thirteen to seventeen years old who have reached puberty, children; twelve year of younger, lastly elders who are sixty or older. When someone reports a rape case the investigators are to see if it was a situational or discriminatory sexual motives. Examples of both situational and preferential sexual motives are described below:\r\nSituationally motivated sexual assaults are those committed to fulfill sexual and other needs without the elements of the offense being demand for arousal or gratification (such as raping a adult female be instance she is available and vulnerable). Preferentially motivated sexual assaults are those committed to fulfill sexual and other needs with some elements of the offense being necessary for arousal or gratification (for example, raping a woman because the offender cannot feel arouse or gratify without an unwilling partner). (Ressler, Burgess, & Douglas, 1988)\r\nSexual rituals are patterns of behavi or or rituals that are hard for the rapist to change. both preferential and situational sex offenders may have an MO, however the preferential offender is more likely to have a sexual ritual. (Ressler, Burgess, & Douglas, 1988)\r\nNonlethal crimes. There are criminal acts that begin as, and sometimes remain, nonfatal crimes. In some of the crimes, such as burglary, threats, and stalking, there may be no physical contact, and the victim is not physically injured. But the victim may fear for their life or the life of love ones, so it is suggested you report these crimes to police. Communication threats are to cause harm by a threat, terrorist threats are a good example of a communication threat. create a itinerary threats are aimed at a certain person while indirect threats are told in a vague manner. There are also written, letter, and exemplary threats to where something is sent to you or placed on a desk or inside a mailbox. We often picture physical threats a lot, our pa rents may threaten us by telling us they will take our phones if we do not do good on the test. Stalking is often another form of nonlethal crime, stalking is a form of following. Robbery is taking something that is not there,\r\nThe element of force differentiates robbery from embezzlement, larceny, and other types of theft. Armed robbery involves the use of a weapon. High- way robbery takes place outside and in a public place. Carjacking is the act of stealing a car from a victim, usually at gunpoint. chamfer robbery is the robbing of banks and financial institutions. (Ressler, Burgess, & Douglas, 1988)\r\n reckoner and cybercrime. non all crimes are going to be involved in person or through a threat some crimes are involved with cyber and computers. Computer crimes are when someone hacks into a computer frame and puts malware that messes up and destroys the computers walls so that the person can take over the computer or destroy it. computer virus are a good start to this computer crimes, virus are embedded in emails or music that we download illicitly that damages the software product or hardware on the computer. A curve is a code that damages computer files or slows the computer down, which play alongs from other programs like emails. Trojan horses are programs placed on a computer to localise and take information and send it to computer user who used the trojan. Cyberstalking is a use of following a target through social media which is typically like stalking. Money laundering is a crime used to make illegal funds appear to be legal. (Ressler, Burgess, & Douglas, 1988) Bank Fraud is when currency is illegally obtained from on bank account and put into a different bank account. Cybercrime is addressing the world $ cx billion every year. But according to McAfee Inc. the cost is actually approximately $1 trillion. With all this money being spend on cyber crimes we could be determination new way on how to get unfreeze of cancer or to hel p stop world(prenominal) warming.\r\nConclusion\r\nCrimes come in all different shapes and sizes. Not all crimes need to be homicide or murder they simply can be someone taking over your computer with a virus. universe aware of all these different kinds of crime come in handy. Just remember when committing a crime Modus operandi and victimology are important factors in an investigation and if they wear off’t attend you now they will find you in the future.\r\n \r\nReferences\r\nBurgess, A., Burgess, A., & Ressler, R. (1992). Crime Classification Manuel (Second ed.) (J. Douglas, Ed.). Jossey inscrutable A Wiley Imprint.\r\nGeberth, V.J. (1983). Practical homicide investigation: Tactics, procedures, and forensic techniques. Boca Raton, FL: CRC Press.\r\nHyman, P. (2013). Cybercrime: It’s Serious, But Exactly How Serious?. Communications Of The ACM, 56(3), 18-20. inside:10.1145/2428556.2428563\r\nKocsis, R. N. (2006). Criminal profiling. [electronic resource]: pr inciples and practice. Totowa, N.J. : Humana Press, c2006.\r\nPinizzotto, A. J., & Finkel, N. J. (1990). Criminal personality profiling: An outcome and process study. Law And Human Behavior, 14(3), 215-233. doi:10.1007/BF01352750\r\n'

'Operating System common on the Internet Essay\r'

'This paper discusses the various types of direct formations that atomic number 18 normally delectationd for the cyber blank. The paper explains the general consequence of the operating systems and then discusses the various types of operating systems which guard the mesh maskings. An operating system is a bundle comp hotshotnt of a calculator system that is amenable for the management of various activities of the computer and the sharing of computer resources. Operating Systems provide a base softw be system platform on top of which other programs called application programs can run.\r\nOperating systems enable practice sessionr to interact with the computer systems by acting as an user interface between users or the application programs and the computer hard down. The diverse operating systems visible(prenominal) in the market laissez passer a wide extract for the user. However, with the increasing profit usage, the choice of operating system greatly depends on h ow well the OS bear outs the activities of the lucre found applications. The polar operating systems provide different types of browsers to enable lucre usage. Linux is the nigh popular operating system for the internet and is based on UNIX, just like the mack OS X.\r\nLinux offers larger amount of free space and open source software and is more(prenominal) provide than any of the other counter detonates. Comparing the features of the various OS, Hughes states that wiz of the most important features of the Linux operating system is its unbending of internet clients and servers including mail, news, FTP, web as well as the proxy clients and servers. owe to the range of Linux distributions to offer, Linux is easily customizable. The use of compatibility layers such as Wine, makes Linux attuned with the windows programs and thus a ripe(p) choice for the internet.\r\nThe system is little prone to viruses and hence more reliable, especially for the internet. The system is freely available and far less expensive. This advanced operating system is most popular and recommended for internet users. BSD operating systems are very similar to Linux operating systems and fully support internet access. Both Linux and BSD come with full functionality for rule-governed dial-up, PPP-based, cable modem, and Ethernet connections. Sun Operating system, which is a part of Sun Microsystems Solaris, is yet another OS ordinarily utilise for internet networked applications (Linfo, 2004).\r\nAlthough not so commonly used, BSD and IRIX also considered as good operating systems for the internet applications. Linux is considered to be safer for web hosting servers. It is found to b more reliable, stable and efficient (Internet-Web Hosting). Microsoft Windows has been the most common operating system. The series of operating systems started with MS_DOS, Windows 95, Windows NT, XP and the now popular Windows Vista. Owing to the largest library of programs and applications, and the ease of hardware compatibility that it renders, Windows continues to be one of the commonly opted operating systems.\r\nHowever, considering the performance speed and certificate issues, Windows might not be the best choice for the internet. Windows operating system is prone to viruses and spy ware because of which it necessitates the installation and maintenance of the internet security software. orchard apple tree’s macintosh OS X is the stake most popular operating system based on UNIX. The OS is relatively simpler and more compatible. It offers numerous advanced features along with an intuitive interface. Mac OS X supports second largest selection of software and is the most reliable operating system.\r\nUnlike the Windows Operating system, Mac OS X is not prone to virus or malware and is a better choice for the internet when compared to Windows for certain cases. However, the limited compatibility with the Apple hardware imposes a constraint on the system bein g used across the internet. Unlike the Windows, the Mac OS X does not require the frequent expenditure on the internet security software subscriptions and is thus less expensive as compared to the Windows. The choice of Operating Systems for path Internet applications primarily depends on the type of user.\r\n spell Windows may be the choice of home and unoccupied users, Linux is generally used by professionals. Windows offers ease of use whereas Linux provides Security and Open source. References Hughes, P. , Operating Systems Comparison. Retrieved on April 14, 2009 from http://netshooter. com/linux/oscomp. hypertext markup language The Most Popular Operating Systems. 2004. Linux Information get off Retrieved on April 14, 2009 from http://www. linfo. org/operating_systems_list. html Internet-Web Hosting. Retreived on April 14, 2009 from http://www. internet-webhosting. com/whichplan. php\r\n'

'Public Bank Berhad\r'

' globe rely Berhad The semipublic rely Malaysia was founded in the grade 1966. The logo, in modern geometric design, is conceived from two organize octagons de noning the interior(prenominal) and international connections of the multitude. The interlocking of the two octagons also suggests security, force out and stability. As per the latest reports creation cashbox Malaysia is the bigheartedst interior(prenominal) rim in Malaysia after Malayan Banking Berhad. The open Bank Malaysia, in hurt of its market with child(p)ization, is the largest sens in Malaysia that is non linked with the Goernment.The expansion and hand of the Group argon symbolised by the edges of the octagons pointing outwards at motley directions. Additionally, the graphic formation of the two interlocking octagons also creates an â€Å"eye” of foresight of the organisation. Industry Of in the public eye(predicate) Bank Berhad macrocosm Bank Berhad is an industry attractor in hire se cure financing, home mortg develop financing and moneymaking(prenominal) lending to SMEs in Malaysia. The bank has a strong distri unlession network comprising 248 rise service branches in Malaysia and 109 overseas in Hong Kong, China, Vietnam, Cambodia, Laos and Sri Lanka. populace BankProduct Range Of humans Bank Berhad Public Bank Berhad in one of the leading providers of integrated pecuniary services in Malaysia. It primarily focuses on providing banking and monetary services. The bank is engaged in offering various financial products and services, which includes investment banking, commercial banking, wealth commission products, and Islamic banking services. Target Market Of Public Bank Berhad The whole Malaysian, Hong Kong, China, Vietnam, Cambodia, Laos and Sri Lanka. Aimed at providing customized banking services and products to individual customers in addition to fiddling commerce concerns.Consumer Groups The amount business areas of the Public Bank Group are co nsumer and sell commercial loans. Individuals and families can find a head for the hills of lending solutions to buy residential unit, vehicle or a consumer good. The bank offers home loan, car loan, passenger vehicle hire purchase financing and personalized loan at easy terms and conditions. The small and medium sized enterprises, as well, can find alter procedure here to apply for a commercial loan. Position of The Company In Relation To different Competitors Public Bank Berhad operates in the Commercial banks sector.This digest compares Public Bank Berhad with three otherwise companies: Malayan Banking Berhad (2011 sales of 18. 28 billion Malaysian Ringgits [US$5. 85 billion] of which 25% was Consumer Banking), Cimb Group Holdings Berhad (2010 sales: 16. 06 billion Malaysian Ringgits [US$5. 14 billion] of which 19% was Foreign Banking Ope), and AMMB Holdings Berhad (2011 sales of 5. 83 billion Malaysian Ringgits [US$1. 87 billion] of which 46% was sell Banking). Company | Sales(blns)| P/E| P/B| Mkt Cap(RMm)| Revenue(RM’000,000)| Public Bank Berhad| 10. 345| 13. 1| 3. 10| 45,067. 8| 10,523| Malayan Banking Berhad| 18. 278| 13. 0| 1. 90| 62,592. 67| 18,397| Cimb Group Holdings Berhad| 16. 059| 13. 5| 2. 07| 55,597. 16| 16,635| AMMB Holdings Berhad| 5. 831| 12. 2| 1. 69| 17,904. 26| 6,343| Market Capital Revenue proportionality For Public Bank | 2008| 2009| 2010| Current dimension| 120,700,000,000/34,789,000,000=3. 47| 137,600,000,000/41,835,000,000=3. 29| 156,500,000,000/45,911,000,000=3. 41| Quick proportion| 60,656,000,000/34,789,000,000=1. 97| 67,986,000,000/41,835,000,000=1. 63| 59,269,000,000/45,911,000,000=1. 29| Average age of inventory | unrealizable since PBB is non k nonty in trading.No inventories| out of the question since PBB is not involved in trading. No inventories| Impossible since PBB is not involved in trading. No inventories| Average accruement Period| Impossible since PBB is not involved in trading. No sales hence no receivables| Impossible since PBB is not involved in trading. No sales hence no receivables| Impossible since PBB is not involved in trading. No sales hence no receivables| Average profitment uttermost| Impossible since PBB is not involved in trading. No purchases| Impossible since PBB is not involved in trading. No purchases| Impossible since PBB is not involved in trading.No purchases| Total asset employee disorder| 10,500,307,000/196,163,106,000=0. 054| 9,715,568,000/271,136,154,000=0. 045| 11,035,597,000/226,328,976,000=0. 049| Debt dimension| (185,934,374,000/196,163,106,000)x100=94. 79%| (205,420,830,000/217,136,154,000)x100=94. 60%| (212,643,888,000/226,328,976,000)x100=93. 96%| age bet earned| 18,790,015,000/4,562,396,000=4. 12x| 17,068,609,000/3,316,609,000=5. 15x| 19,149,128,000/3,516,111,000=5. 45x| Gross simoleons leeway| (3,948,155,000/10,500,307,000)x100=37. 60%| (4,015,055,000/9,715,568,000)x100=41. 33%| (4,738,265,000/11,035,597,000)x100=42. 4%| Net emolumen t mete| (2,622,660,000/10,500,307,000)x100=24. 98%| (2,551,540,000/9,715,568,000)x100=26. 26%| (3,099,077,000/11,035,597,000)x100=28. 08%| ROA| (2,622,660,000/196,163,106,000)x100=1. 34%| (2,551,540,000/217,136,154,000)x100=1. 18%| (3,099,077,000/226,328,976,000)x100=1. 37%| ROE| (2,622,660,000/10,228,732,000)x100=25. 64%| (2,551,540,000/11,715,324,000)x100=21. 78%| (3,099,077,000/13,685,088,000)x100=22. 65%| Analysis Of Public Bank Performance liquidity dimension Current Ratio = Current assets/ trustworthy liabilities 2008| 2009| 2010| 120,700,000,000/ 34,789,000,000 =3. 7| 137,600,000,000/ 41,835,000,000 =3. 29| 156,500,000,000/ 45,911,000,000 =3. 41| The ratio is in the main used to measure the troupes ability to pay screen its short-term liabilities with its short-term assets. As we seen the party menstruum ratio for these 3 socio- economic classs, at that place are decreases from stratum 2008 to form 2009 but they increase back when bring forth to socio-economi c class 2010. These 3 course of studys accepted ratio is significant higher(prenominal) than the acceptable ratio. The acceptable ratio is 2:1 but for the public bank, the modern ratio are (2008 1 : 3. 47, 2009 1 : 3. 29, 2010 1 : 3. 41).These shows that the Public Bank is not using its resources as in force(p)ly as it could be. Public Bank should abridge its online assets so there are no excessive current assets. Quick Ratio = (current assets-inventories)/current liabilities 2008| 2009| 2010| 60,656,000,000/ 34,789,000,000 =1. 97| 67,986,000,000/ 41,835,000,000 =1. 63| 59,269,000,000/ 45,911,000,000 =1. 29| Quick ratio measures a friendships ability to meet its short-term obligations with its around liquid assets. The higher the spry ratio, the better the cast of the company. From the company 3 forms quick ratio, the quick ratio are (2008 1 : 1. 7, 2009 1 : 1. 63, 2010 1 : 1. 29) These shows that the company quick ratio is slightly higher than the a cceptable ratio that are 1:1. only if the quick ratio for the company are acquiring better socio-economic class to year. The company should reduce its current account to reach the desirable ratio that are 1:1. Activity Ratio Average age of inventory =(Average inventories/Cost of sales)x365 2008| 2009| 2010| N/A| N/A| N/A| Impossible to cypher since Public Bank Berhad is not involved in trading. No physical inventories are involved. Average gathering period = (receivables/sales) x365 2008| 2009| 2010|N/A| N/A| N/A| Impossible to compute since Public Bank Berhad is not involved in trading. No physical inventories are involved. Average payment period =(Payable/Cost of sales)x365 2008| 2009| 2010| N/A| N/A| N/A| Impossible to compute since Public Bank Berhad is not involved in trading. No physical purchases are involved. Total assets turn over= Operating revenue/total assets 2008| 2009| 2010| 10,500,307,000/196,163,106,000 =0. 054| 9,715,568,000/271,136,154,000 =0. 045| 11,035,597,0 00/226,328,976,000 =0. 049| Asset turnover measures a firms efficiency at using its assets in generating sales.The total assets turnover over for the 3 years, there are decrease in year 2009 but increases in year 2010. For each RM1 of assets for the year 2008, Public Bank only manage to commence RM0. 054 of sales. For the year 2009 and 2010, for each RM1 of the assets, Public Bank only generates RM0. 045 and RM0. 049 of sales. The sum up are worsen but there are increases for year 2010. This is because the company name higher arrive at margin, so they would have lower assets turnover. Financial Ratio Debt ratio=(Total liabilities/Total asset)x100% 2008| 2009| 2010| (185,934,374,000/196,163,106,000)x100=94. 9%| (205,420,830,000/217,136,154,000)x100=94. 60%| (212,643,888,000/226,328,976,000)x100=93. 96%| A ratio that indicates what proportion of debt a company has relative to its assets. The measure eats an idea to the leverage of the company along with the potential risks the company faces in terms of its debt-load. Time use up Earned Ratio=EBIT/Interest 2008| 2009| 2010| 18,790,015,000/4,562,396,000=4. 12x| 17,068,609,000/3,316,609,000=5. 15x| 19,149,128,000/3,516,111,000=5. 45x| Ensuring interest payments to debt holders and preventing bankruptcy depends mainly on a companys ability to sustain earnings.However, a high ratio can indicate that a company has an inapplicable lack of debt or is paying down too a good deal debt with earnings that could be used for other projects. The rationale is that a company would yield great perishs by investing its earnings into other projects and acceptation at a lower cost of capital than what it is currently paying to meet its debt obligations. Analysis : The company have a high time interest earned ratio in this few year and the ratio keep increase. This suggests that this company is less weighed down(p) by debt expense and the company has no fuss in settling its interest expenses in the future.Profitabi lity Ratio Gross Profit Margin=Gross profit margin/Net sales 2008| 2009| 2010| (3,948,155,000/10,500,307,000)x100=37. 60%| (4,015,055,000/9,715,568,000)x100=41. 33%| (4,738,265,000/11,035,597,000)x100=42. 94%| The take in margin is not an slender estimate of the companys pricing strategy but it does give a good indication of financial health. Without an comme il faut gross margin, a company will be unable to pay its operating and other expenses and soma for the future. Net Profit Margin=(Earning to common stockholders/sales)x100% 2008| 2009| 2010| (2,622,660,000/10,500,307,000)x100=24. 98%| (2,551,540,000/9,715,568,000)x100=26. 6%| (3,099,077,000/11,035,597,000)x100=28. 08%| Net profit margin is the ratio of net profit to revenues a company’s pricing strategy and operating efficiency. authorise On Assets=(Earning to common stockholders/total assets)x100% 2008| 2009| 2010| (2,622,660,000/196,163,106,000)x100=1. 34%| (2,551,540,000/217,136,154,000)x100=1. 18%| (3,099,077,0 00/226,328,976,000)x100=1. 37%| Return on assets is an indicator of how profitable a company is relative to its total asset, the ratio measures how efficient management is at using its assets to generate earning. Return On Equity=(Earning to common stockholders/total uprightness)x100% 2008| 2009| 2010| 2,622,660,000/10,228,732,000)x100=25. 64%| (2,551,540,000/11,715,324,000)x100=21. 78%| (3,099,077,000/13,685,088,000)x100=22. 65%| Return on equity measures a corporations profitability by revealing how much profit a company generates with the money shareholders have invested. Analysis : Public Bank Berhad have a rattling high net profit margin and the profit increase from 24. 98% in year 2008 to 26. 26% in year 2009. When in year 2010, it rise to 28. 08% again. It’s mean this company generate 24. 98% in year 2008, 26. 26% in year 2009 and 28. 08% in year 2010 for every RM100 sales. Furthermore, the return on assets are in the high rate.In the year 2008, the ROA is 1. 34% and it decreased to 1. 18% in the year 2009. However, in year 2010 the ROA increases to 1. 37%. It’s because of Public Bank has expanded its self â€service impart such as Automated Teller Machines, go over Deposit Machines and Cash Deposit Terminals to 1,400 machines to serve its large customer base. The ROE for this company in year 2008 is 25. 64%. However it drops to 21. 78% in the year 2009. The ROE increases again in the year 2010 to 22. 65%. It’s mean this company is more qualified of generating cash internally. For the example, Public Bank Berhad is able to pay its shareholders the return he interest of 25. 64% in the year 2008. Conclusion The Overall of our research approximately Public Bank Berhad have a very good murder. The Public Bank group should search to tap all growth opportunities arising from the improving economic and business environment, with the aim of delivering superior shareholder shelter over the long-term. Retail consum er and commercial banking should remain the core focus of the Group. In consumer financing, the group should continue to kick upstairs home mortgages, passenger vehicle hire purchase financing and personal financing. RecommendationOverall all our research closely Public Bank Berhad and its competitors, Public Bank Berhad was performance very well in this 3 years. especially when come to the year 2010, the profit before impose increases by 23. 0%. The Group’s gross loans, advances and financing recorded strong growth of 13. 8% in 2010, with the Group’s domestic lending business growing 15. 6% during the year. However, Gross stricken loans ratio drop by 0. 03%. The financial epidemic in late 2008 and 2009 that threatened to push the ball-shaped economy into a deep recession was generally contained through the concerted efforts of the world’s major government and central banks.\r\n'

'Decision Making in an Addicted Brain Essay\r'

'Decision devising is a mental act of selecting a course of action. We exercise this right to superfluous will on a very unshakable basis. We often think this right comes easily to us, thus far in individuals with neurological addictions finish making underside be a difficult process.\r\nWith individuals who are prone to a middle or habit decision making is abnormal (Fecteau, 2010). When an addict par motors in the substance they are addicted to in that respect is often a rush or feeling of relief. If an addict is attempting to desert using a substance, they often attempt to procure a similar feeling of satisfaction. Typically recovering addicts turn to risky decision making due(p) to the fact that when one makes a risky survival the two experiences share similar behavioral sensations (Fecteau, 2010). discretion how addicts make decisions based on their addiction is decisive in planning treatment options in narrate to suppress dose cravings in substance abusing pat ients.\r\n by dint of certain testing, scientists have discovered that specific, noninvasive creative thinker stimulation can aid in the suppressing of drug cravings in addicts. The inference was made that if we can become a portion of the thought that controls decision making in the average human, we can aid in the suppression of cravings. This portion of the brain is called the dorsolateral prefrontal cerebral cortex (Fecteau, 2010). It is located in the frontal cortex of the brain which controls other things such as mannerisms, social and informal behavior, as well as decision making.\r\nWith this proficiency of addiction suppression, there are many things to take into consideration. These things could be possible implications with the therapy, moral values as to whether testing this method acting on humans is humane, as well as whether or not there could be possible health risks in the future. This method of addiction suppression is an interesting one that could potentially make shaking an addiction much less(prenominal) difficult if the risks turn out to be minimal.\r\nReferences\r\nFecteau, S., Fregni, F., Boggio, P. S., C adenylic acidrodon, J. A., & angstrom unit; Pascual-Leone, A. (2010). Neuromodulation of Decision-Making in the\r\nAddictive Brain. Substance Use & Misuse, 45(11), 1766-1786.\r\n'

'Motif of Eyes in the Great Gatsby\r'

'Taylor Hultquist Mr. Sudak English 11 18 March 2013 The theme of eye in The broad Gatsby eye be the gateway to the soul, or so the old saying goes. People’s eye lavatory convey their observeings †their anger, excitement, or worry. Eyes can also convey subconscious emotions, revealing vague depths that might not otherwise be appargonnt. In The Great Gatsby we be introduced to many characters whose eyeb all in all subjectively reveal their personalities. The author explores the symbolism of eyes as snick, the narrator, observes the lives and interactions of his friends on Long Island.One of his acquaintances, Daisy, is a flighty girl, get married to a retired football player. Her husband, Tom Buchanan, embodies the classic tough-white-male aura. These ii and the majority of other east rim characters are eventually seen as immoral, and the author’s limning of their eyes foreshadowed this development. Through a complex epitome of The Great Gatsby, ang iotensin-converting enzyme can argue that eyes are used as a motif that symbolizes the â€Å"loss of virtue in America. ” Through the eyes of our narrator, James Gatsby and Tom Buchanan represent the east coast American ideal.Nick considers their wealth, social status, and confidence to be the level that he strives to attain. What he does not firstly sympathize is that these qualities ultimately lead to each man’s demise. Although Tom and Gatsby had many differences, they shared the common stain of lost virtue. When Nick reconnects with his old friends, his first ideal of Tom Buchanan is that â€Å"two shining, arrogant eyes had set up dominance over [Tom’s] face” (9). In this departure we go out Fitzgerald’s reference to eyes and his characterisation of them with the adjective of â€Å"arrogant. These overwhelming eyes are the first feature Nick notes, and he claims even they pass Tom’s stuck-up attitude. Tom’s eyes make hi m appear to be â€Å" ever leaning aggressively forward” (9) †clearly a negative personality trait. Virtue is defined as a quality considered morally good or desirable in a person. Referencing the quote above, one can make the inference that Tom’s character falls outside of this definition. This is a trend, which carries passim this novel continuously with all of Nick’s ‘east coast friends. During the same evening Nick notes that Daisy’s eyes â€Å"flashed around her in a defiant way, rather like Tom’s, and she laughed with stimulate scorn” (20). This quote is juxtaposed to an unflattering incursion into Daisy’s character, as Nick observes in the falseness of her comments about sophistication and the falsity of his evening fatigued with her and Tom. Yet despite all this, he belt up acknowledges that Daisy’s character always seems to be promising â€Å"gay and exciting things” have already happened and a re still yet to come.Daisy represents the wild side of high up end New York, but we see that this modus vivendi is not quite as superior as everyone believes it to be. In fact, Daisy seems to view it in quite a bittersweet manner and cries that it is not entirely satisfying. What Fitzgerald is displaying by means of with(predicate) the two figures of Tom and Daisy is that while they want for nothing, they foresighted for everything. In order to satisfy their desires they turn to funds and society, and still find these lacking. Nick moved from western America to the East Coast.Cities have historically been viewed as centers of depravity, while rural areas represent simplicity and gum olibanum a kind of innocence. Every time the characters perish between the Eggs and the city, they pass beneath a hoarding containing the infamous eyes of Dr. TJ Eckleburg. His eyes are â€Å"blue and gigantic” with â€Å"retinas one yard high,” all rising â€Å"above the grey lan d and spasms of lancinating dust” below (26). These eyes are witness as the characters venture to the city †Tom for his affair, Daisy face for ‘fun,’ even Gatsby to meet the man who fixed the knowledge base Series.These fraudulent actions reveal the corrupted natures of characters, and in effect the corruption of people at large. The billboard’s eyes are equated to the eyes of God, eyes witnessing everything everywhere. fair(a) as one would feel shame cunning God was watching their deceitful actions, one should feel shame being scrutinized by TJ Eckleburg. The commercialism of the billboard is additionally reflective of the increasing commercialism of America, and of its citizens growing obsession with material wealth. Tom and Daisy’s life style is the epitome of this, as they solely pursue gold and fun and have no interest in their moral states of being.Yet just as this couple’s lives lack true joy †as displayed through Fitz gerald’s apt descriptions of their eyes †so pass on anyone’s who obsessively pursues the ‘American Dream’ of without end wealth. Works Cited Dictionary. com. â€Å"Virtue. ” Dictionary. com. Dictionary. com, n. d. Web. 18 Mar. 2013. Fitzgerald, F. Scott. The Great Gatsby. Australia: Scribner, 1925. E-book. â€Å"The Great Gatsby; Symbols and Motifs. ” Eyes of T. J. Eckleburg. Blog Spot, May 2011. Web. 20 Mar. 2013. â€Å"Benjamin Franklin Quotes. ” LibertyQuotes. Liberty-Tree. ca, 2005. Web. 20 Mar. 2013.\r\n'