Recycle (Indiana State recycle center) Essay Example | Topics and Well Written Essays - 750 words

Characteristics of at-Risk Students (Aed201)

School Program for At-Risk Students In the United States numerous understudies face numerous issues or horrible conditions in their lives at home, school and in life by and large. These issues and conditions can influence understudies immensely with regards to homework or scholastic achievement. Numerous schools across the nation have set up projects or help to enable these understudies to prevail notwithstanding the issue or condition being confronted. Not all understudies may experience an issue or condition, however some experience different issues. The sorts of issues and conditions incorporate evolving families, neediness, savagery, maltreatment of liquor as well as medications, self destruction, and kid misuse (Axia College, 2005). These are not kidding issues that numerous understudies face in today’s world, which can genuinely influence scholarly achievement. Understudies who face at least one of these issues is supposed to be â€Å"at-risk† for scholastic disappointment (Axia College, 2005). The attributes of understudies set in danger are a low SES, downtown, male, transient, minority, non-local English speaker, and separated from families (Axia College, 2005). The main way a school, area, or state can take care of the in danger understudies is to help the requirements of these understudies however much as could be expected. Numerous schools, locale, and states have set up unique projects for in danger understudies, including anything from afterschool projects to lodging help. Normally the projects help one of the qualities of in danger understudies to help these understudies for their specific issue. The Phillipsburg school locale of New Jersey has taken the issue of in danger understudies earnestly by setting up an afterschool program to help understudies confronting the issue of low SES (financial status). Understudies who originate from a low SES family face gives that meddle with scholastic achievement, for example, low salary families, absence of parental contribution, low presentation to class related encounters, etc (Axia College, 2005). The Phillipsburg school locale has fused a program called Youth Center to help the understudies who face these difficulties. The Youth Center program is offered to all understudies, regardless of whether from low SES or high SES families. When school closes, the understudies can board a free transport that transports them straightforwardly to the Phillipsburg school region youth focus. The young place contains an exercise center, field, homerooms, mentors, partners, and whatever else required for the program. Understudies are offered mentoring administrations, schoolwork help, managed amusement, regulated instructive exercises, and volunteer chances (Wyant, 2010). This program is for nothing out of pocket and is offered after school of each entire day of school. Understudies show up following school to the adolescent place and are permitted to remain there until 6pm. The Youth Center program ought to be seen as a praiseworthy and helpful program to all. This program is commendable in light of the fact that it offers numerous alternatives for understudies and guardians too. The latchkey understudies have a spot to go as opposed to sitting at home alone trusting that a parent will show up. The wide scope of exercises offered is model since it draws in various kinds of understudies to take an interest. Offering the program at no expense and no cost transportation is likewise excellent and useful in light of the fact that these understudies regularly originate from low salary families that could always be unable to bear the cost of such a program somewhere else. The advantages of the program go past giving the understudies a spot to go for nothing out of pocket. The scholastic advantage of this program is model in light of the fact that the understudies have the entrance to mentors and schoolwork partners. Understudies who have gone to this program for one year demonstrated an improvement in school by seventy five percent, which is awesome (Wyant, 2010). Since the program was built up in the Phillipsburg school locale, the scholastic accomplishment test scores have risen deferentially. Guaranteeing the adolescent place program arrives at all focused on understudies and meet the students’ needs is urgent for this school region. All understudies and guardians know about the presence of this program and are frequently urged to join. The insights have demonstrated how understudies scholastically progress in the wake of joining the program, which is alluring to different understudies found in a similar circumstance. The school area is in any event, considering an extension to the program by adding instructors to help students’ passionate requirements (Wyant, 2010). Numerous schools, locale, and states are doing everything conceivable to help understudies who are considered in danger. The Phillipsburg school area has had accomplishment with the young place afterschool program to help low SES understudies. There are numerous projects accessible to understudies who are in danger, however keeping up and improving these projects is basic to progress. Understudies don't need to confront the difficulties of being in danger alone any longer. References Axia College of University of Phoenix. (2005). Changes in American Society. Recovered April 30, 2010, from Axia College, Week Three perusing, aXcess, AED201â€Teaching as a Profession Course Web webpage. Wyant, H. (2010). Joseph H. Firth Youth Center. Recovered April 30, 2010, from http://www. phillipsburgnj. organization/file. php? option=com_content&view=article&id=42&Itemid=53 FOR AXIA COLLEGE AED201†¦ RECEIVED â€Å"A† on this paper.

How are Soft Credit Checks Different From Hard Checks

How are Soft Credit Checks Different From Hard Checks How are Soft Credit Checks Different From Hard Checks? How are Soft Credit Checks Different From Hard Checks?There are several differences between soft and hard credit checks, including when they can be run, how much info they return, and whether they affect your credit score.You’ve probably heard before that applying for too many loans or credit cards can hurt your credit score. And that’s true! When you apply for a new loan or card, the lender will pull up a copy of your credit report to check your history as a borrower.When lenders do that, it’s referred to as  a hard credit check, and it gets recorded on your credit report. Too many recent credit inquiries can indeed lower your score. However, there’s another kind of credit checkâ€"a soft credit check that doesn’t doesn’t affect your score at all.Credit inquiries let lenders vet potential borrowers.When a lender or a business (like a landlord or a utility company) wants to make sure a customer is trustworthy, they pull a copy of their credit report. The information on tho se reports is also used to create your credit score.Credit reports are maintained by the three major credit bureaus: Experian, TransUnion, and Equifax. They contain a comprehensive history of how you’ve used credit over the past seven years, including payments you’ve made (or not made), how much you owe, how long you’ve been using credit, whether you have any liens or bankruptcies, etc. Some info, like bankruptcies, stays on your report for longer than seven years.Pulling a person’s credit reportâ€"also known as a “credit inquiry” or a “credit check”â€"allows a lender to verify how a customer has used credit in the past. Have they paid their bills? Do they have too many loans or cards already? Have they been sent to collections or had a lien placed on them?Getting the answers to all these questions is important to lenders, as those answers help them decide who to lend to and at what rates. The better a person’s history of using credit, the larger the loan or credit card they can get and the lower the interest rate they can qualify for. And if you have a poor history, the reverse is true. If your credit score is low enough, you wont be able to qualify for loans from any traditional lenders.Hard credit inquiries and soft credit inquiries.There are two types of credit inquiries: hard inquiries and soft inquiries. Even though they both involve getting a copy of your credit history, they differ in some key ways.Hard credit checks involve pulling a complete copy of your credit report. These checks are done by lenders when they are considering a potential borrower’s application for more credit. A hard check can only be done with the borrower’s express permission, and they are themselves recorded on that person’s credit report.Soft credit checks, on the other hand, do not return a person’s full credit report. Instead, they return a summary of the borrower’s credit history. Because soft checks return much less information, they do not need t he borrower’s permission to be run. Soft credit checks are included in a person’s report but are not visible to outside parties viewing the report.A soft credit check is usually performed in one of three situations. First, a soft check occurs when a person views their own credit report. Speaking of which, you can request one free copy of your credit report per year from each of the three bureaus. To do so, just visit www.AnnualCreditReport.com.Second, a potential employer can run a soft credit check when you are applying for a job. When it comes to jobs in the financial industryâ€"or jobs where you are going to be handling a lot of money for the company ¯businesses like to make sure that you dont have a ton of outstanding debts. In those situations, they could also go ahead and run a hard check, but only with your permission.Third, soft credit inquiries often they occur when a lender or credit card company wants to “pre-approve” a potential customer. If you’ve ever receive d an email or a letter telling you that you’re pre-approved for a personal loan or credit card, then that company has run a soft check on your credit.If you were to apply for the loan or card, they would then do a hard check, which would give them a lot more information. Depending on what they find during that hard pull on your credit report, they might decide to turn down your application, despite your being pre-approved.Unlike hard checks, a soft check  won’t hurt your score.This is one of the most important ways in which a soft credit inquiry differs from a hard inquiry. Simply put, hard credit inquiries will lower your credit score, while soft inquiries will not. Both hard and soft credit inquiries stay on your report for two years, but only hard inquiries are taken into account when determining a person’s score.Of the five categories of information that are used to create your credit score, one of the less important categories is “new credit inquiries,” which makes up 10 percent your score. This category tallies up all the times that you’ve applied for a new loan or credit card in the past two years. Too many hard credit inquiries within the past year will cause your score to go down.The reason for this is simple. A bunch of hard credit checks can mean that person is desperate for new lines of credit, which is a sign that they haven’t been managing their current loans and credit cards responsibly. That’s something no lender likes to see.The two exceptions to this rule come with auto and home loans. Shopping for these types of loans is almost always going to mean a lot of shopping around which, in turn, means a lot of hard credit inquiries. As such, any hard inquiries for these types of loans made within the same 45-day period are bundled together into a single inquiry.Since soft inquiries can be run without the borrower’s permission, and do not represent an application for more credit, they are not taken into consideration with credit sc oring.Soft credit check  loans are safer than no credit check loans.Another situation in which a soft credit check might be run is during an application for a bad credit loan. This is done so that, like with hard credit checks, the lender can get an idea of whether or not the borrower can afford the loan they’re applying for.This is a good thing because there are many bad credit lenders that don’t run any credit checks at all. The loans they offer are referred to as “no credit check loans” and they include most types of payday loans, title loans, and cash advance loans. Not running a credit check is a sign that the lender doesn’t actually care if the borrower can repay their loan on time.In fact, not checking a customers ability to repay  can be a sign of something more sinister; the lender might be hoping that the customer can’t afford their loan. These lenders stand to make much more money from the borrower rolling their loan over and paying additional interest to exte nd the due date.There’s a term for when a person is constantly rolling over or reborrowing a loan, only ever paying the interest owed, never the principal. It’s called a “cycle of debt.” And it can ruin lives. Whether it’s a loan from a storefront or an online loan  you find on a website, you’d do best to steer clear of no credit check loans.If you have an emergency and need a bad credit installment loan for some quick cash, find a lender like OppLoans that runs soft credit checks on all their applicants. And if you get turned down, don’t worry. It’s only a soft check, so your credit score won’t be affected.To learn more about credit scores, check out these related posts and articles from OppLoans:A Brief History of Credit ScoresWant to Raise Your Credit Score by 50 Points? Here Are 4 Great TipsWhy You Should NOT Close That Old Credit CardWhat other questions do you have about credit scores?  We want to hear from you!  You can  email us  or you can find us on  Face book  and  Twitter.

Examining Market Entry by Silver Fern To Croatia - Free Essay Example

Sample details Pages: 8 Words: 2523 Downloads: 10 Date added: 2017/06/26 Category Marketing Essay Type Research paper Level High school Did you like this example? REPORT Potential market opportunity for Silver Fern Farms of New Zealand in the Republic of Croatia Silver Fern Farms is New Zealandà ¢Ã¢â€š ¬Ã¢â€ž ¢s leading processor, marketer and exporter of premium quality meat products such as lamb, beef, and venison to more than 60 countries around the world. With a proud history that spans over 75 years supplying the world with the best quality red meat New Zealand has to offer, today we are the New Zealandà ¢Ã¢â€š ¬Ã¢â€ž ¢s second largest primary sector exporter (Silver Fern Farms, 2013). à ¢Ã¢â€š ¬Ã…“We are a proud farmer co-operative representing over 16,000 sheep, cattle and deer farmer-shareholders throughout New Zealand. Don’t waste time! Our writers will create an original "Examining Market Entry by Silver Fern To Croatia" essay for you Create order Collectively we own and operate 21 processing sites throughout New Zealand and 8 sales and marketing offices around the world. We are also one of New Zealandà ¢Ã¢â€š ¬Ã¢â€ž ¢s largest employers with over 7,000 staff at peak seasonà ¢Ã¢â€š ¬Ã‚  (Silver Fern farms, 2013). As the new international business advisor Ià ¢Ã¢â€š ¬Ã¢â€ž ¢m trying to analyze the potential market opportunity for Silver Fern Farms have in Croatia where we can give the New Zealand know-how and expertise to launch a new facility in Croatia. Ià ¢Ã¢â€š ¬Ã¢â€ž ¢m going to find and discuss about history of Croatia and how ità ¢Ã¢â€š ¬Ã¢â€ž ¢s geographical and political situation from the recent times and its present economic situation. By this Ià ¢Ã¢â€š ¬Ã¢â€ž ¢m trying to find the opportunities we can find for Silver Fern Farms. Political/Legal element of Croatia à ¢Ã¢â€š ¬Ã…“Croatia is a unitary democratic parliamentary republic. With the collapse of the ruling communist party in SFR Yugoslavia , Croatia adopted its present constitution in 1990 and organized its first multi-party electionsà ¢Ã¢â€š ¬Ã‚  (The New York Times, 1990). The political factors are basically identify to what degree the government is interested in the countryà ¢Ã¢â€š ¬Ã¢â€ž ¢s economy. Government powers in Croatia are divided into legislative, executive and judiciary powers. Croatia legal system is civil law. The political history of Croatia has indicated trends towards socialism however their national policies increase the interest to the international trade relationships. Croatia remains the best performing country from South-Eastern Europe engaged in the EU accession process and a regional success story, playing the role of anchor for political stability in the region (Rohatinski, (2009). The risk where I can foresee with regards to this element is that since ità ¢Ã¢â€š ¬Ã¢â€ž ¢s a democratic parliamentary the government usually listen to the people of the country and the opposition politic al parties always go against the governing party specially on foreign investments where they try to highlight to the public that local investors are being not being looked after so that the opposition tries to get the political advantages in the parliament. The evidence strongly and broadly suggests that cohesive and competitive political parties and governments help reduce the risks of democratic delegation. Specifically, executive cohesion strongly and significantly reduces the risks of corruption and fiscal indiscipline. Party competition, on the other hand, reduces rent extraction and promotes general satisfaction with democracy (Goldstein, 1999). Economic element of Croatia Economy of Croatia is a service-based economy. Croatian economy was badly affected by the Global Financial Crisis in 2009 and 2010 and showed signs of recovery in 2011. The economy of Croatia is in the incline and the potential is significant. Croatias gross domestic product per capita is $18,100 which is 78% higher than the world average of $10,200 (Ott, 2002). With over 10 million foreign tourists annually, tourism generates revenue in excess of à ¢Ã¢â‚¬Å¡Ã‚ ¬7 billion. Croatia is ranked among the top 20 most popular tourist destinations in the world, and was voted worlds top tourism destination in 2005 by Lonely Planet (Ministry of Tourism, 2010). Trade plays a major role in Croatian economic output. In 2007 Croatias exports were valued at USD 12.84 billion (24.7 billion including service exports). According to Healy Consultants, trade in Croatia is bolstered by its low trade-weighted average tariff of just 1.2%. Croatia has a stable market economy accompanied by a strong and stable currency, the Kuna (Company Formation, 2014). Economic factors contain economic growth, interest rates, exchange rates and the inflation rate. These factors have major impacts on how businesses operate and make decisions. For an example, interest rates affect a firms cost of capital and t herefore to what extent a business grows and expands. Exchange rates affect the costs of exporting goods and the supply and price of imported goods in an economy (PESTEL, 2014). Physical/Natural element of Croatia Croatia is surrounded by many different cultures and its geographic position represents a blend of four different cultures. The population of Croatia is 4.28million in 2011 and it is ranked 125th by population in the world. However based on the Croatian Bureau statistics there is a tendency of the population to shrink by 2051. This is forecasted to be a 1million drop from the current survey figures. There has been a positive net migration into Croatia, reaching a level of more than 7,000 net immigrants in 2006 (Croatian Bureau, 2014). Croatian traditional cuisine varies from region to region. Italian and other Mediterranean cuisines which prominently feature seafood cooked vegetables and pasta as well as condiments. The continental cuisine is heavily influenced by Hungarian, Austrian and Turkish culinary styles. In that area, meats, freshwater fish and vegetable dishes are predominant. With its multicultural population and general food and beverage consumption is much diversified. The figures show that a person will consume around 62.5kg meat per year and consumes significant percentage of beer. In other words the potential market is inherent with meat consumed population across (Rough Guide, 2014). Cultural element of Croatia As explained earlier because of its geographic position, Croatia represents a blend of four different cultural spheres. It has been influences of the western culture and the Western Roman Empire and the Byzantine Empire as well as of the Mitteleuropa and the Mediterranean culture. The UNESCO also has inscribed 7 sites in Croatia on the World Heritage List. The country is also rich with Intangible culture. It holds ten of UNESCOs Worlds intangible culture masterpieces, surpassing all countries in Europe except Spa in which possesses an equal number of the listed items. Technological element of Croatia Croatia has shown a significant development in social and economic sector. The government has been able to close the income gap with European Union and now it is some of the best social development indicators in the region. Croatia is doing lot of innovation and research and development. There is a huge support from the government but very low interest by the public sector. This is a very important and good indication for our company to move in to Croatia since with the New Zealand technology in the meat processing industry and investment power the Croatian government will mostly welcome foreign investors since there is a poor response from the private sector towards the RD on new innovations (Correa et al., 2010). Competitive element of Croatia Getting our hands on Croatia will be step forward towards reaching more European countries as Austria, Hungary, Serbia, Slovenia and etc. Ho wever there is a high market among Croatia for the meat associated products. Croatians are eating around 2kgs less meat than their European Union counterparts (Rough Guide, 2014). 250,000 tons of meat and meat products are being annually consumed by Croats and 62.5kgs are being consumed by per person annually. This is less than 2kgs than the EU average of 64.7kgs. Croatiaà ¢Ã¢â€š ¬Ã¢â€ž ¢s meat consuming average is high, considering the purchasing power of Croats and the rising prices of meat. The meat consumption is expected to rise in the coming years according to The European Commission (Rough Guide, 2014). There has been a dropping more than 15% in the last two-year with high unemployment across the continent. The EU commissions report suggests that Europeans will eat around 1% more chicken and 2.8% more pork in the next 9 years. The current meat market in Croatia is indeed not as tough as one might opt. By looking at the historical data and forecasts made by surveys even th ough the high unemployment rates the countryà ¢Ã¢â€š ¬Ã¢â€ž ¢s meet consumption has increased drastically. This gives us a good opportunity to start bidding on the Croatian soil (Croatian Bureau, 2014). Silver Fern being the leading largest meat processing firm in New Zealand as well as internationally its being recognized well the approach towards Croatian market wonà ¢Ã¢â€š ¬Ã¢â€ž ¢t be a difficult one. As it was explained and listed briefly in above paragraphs ità ¢Ã¢â€š ¬Ã¢â€ž ¢s a large market where local firms will always do not wont an international competitor to come in therefore it will have some constrains at the beginning where we have to do lot of negotiations and discussions with the government provided that we have to emphasis not only the quality of the product which is going to be introduced but the employment opportunities that is going to create by this massive investment going to happen inside the country. This will easily help to the improvement of unemploy ment as well as governments will have a favorable justification to present to the people of Croatia (Silver Fern Farms, 2013). Demographic environment element of Croatia Croatia is in the fourth or fifth stage of the demographic transition. The permanent population of Croatia at the 2011 census had reached 4.28million. The population density is 75.9 inhabitants per square kilometer. The overall life expectancy in Croatia at birth is 75.7 years. The population is dominated by the 15à ¢Ã¢â€š ¬Ã¢â‚¬Å"64year old segment. The median age is 41.4, and the gender ratio of the total population is 0.93 males per 1 female. Ità ¢Ã¢â€š ¬Ã¢â€ž ¢s very prominent that the mobile workforce and the average age segment in Croatia are the middle aged young adults. This is exactly ideal since the potential market is fairly conscious and are literary capable of welcome new products which is useful and effective for their community (Croatian Bureau, 2014). A 2009 survey revealed that 78% of Cro atians claim knowledge of at least one foreign language most often English. Ità ¢Ã¢â€š ¬Ã¢â€ž ¢s a country which English language is being used by almost 80% of the population and communication will be not at all difficult for a company like us to go an establish our own branding the way we pleased. Literacy in Croatia stands at 98.1%. The proportion of the population aged 15 and over attaining academic degrees grew rapidly since 2001, doubling and reaching 16.7% by 2008. An estimated 4.5% of the GDP is spent for education. Net monthly income in September 2011 averaged 5,397 kuna (Croatian Bureau, 2014). Part (ii) Actions the firm could take to manage Political/Legal element However with the current international experience and exposure we have these matters can be handled with the expertise of the special strategic teams with in our company. Actions the firm could take to manage Competitive element The increasing price level of the meat within the country is more th reatening than it appears to be. However the surveys indicate that people will still keep increasing the meat consumption based on current trends. However it is very important that Silver Fern keeps on monitoring the market price fluctuation as well as the competitor monitoring of what their reactions towards same. A lot of market focuses needs to be required with regards to having a high consumer rate within the country and the numbers show that people might increase other kinds of meat such as chicken or pork instead of beef. Furthermore the company needs to keep a very close watch on the level of quality of the products and how well the standards keep maintained throughout whole process. Hygiene factor also will play a vital role since these are consumed directly by the consumers so in order to take the advantage over the other competitors it is ideal for the company to maintain and standardize environmental policy according to the Silver Ferns environmental conduct (Croatia Bure au, 2014). Silver Fern Farm should action.. New employment opportunities with the government and parliament leaders. Conduct workshops and awareness programs throughout the regions. Discuss strategic regional action plans with existing suppliers and give them brief induction. Launch public awareness with the level of quality and product safety. Actions the firm could take to manage Demographic environment element The population is dominated by the 15à ¢Ã¢â€š ¬Ã¢â‚¬Å"64year old segment. Croatia is young active middle aged and the risk of having high percentage of active workforce is that their demands and requirements will be very high. Keeping the active community is a really strong key for survival for any firm or an organization so that it needs a very powerful catering power for a high demand. Always the organization must keep a close watch in the community and should listen to what their desires and preferences. To introduce our products to the existing community will be fairly a challenge as Croats will not look at a foreign signs without a significant message. The messages and the advertisements have to be eye catching and very detail oriented so that with a set of people who are having high literacy rate things wonà ¢Ã¢â€š ¬Ã¢â€ž ¢t be easy as it seems because the customer always expect the best for him and hi s community. However with the type of international exposure our company does have being in the industry for several years it will be not tough as one might say but the organization needs to put on a lot of initial investment until the product and the company gets stabilize (Croatia Bureau, 2014). Conclusion and recommendations By looking at the above listed facts and details explanations Croatia is a country which I feel that a perfect country with a high market potential for the Silver Fern product range. Given the facts that it is recommended that we launch this program with the best location and with its growth it is going to be a huge potential target market for the some of the big European countries who are surrounded. Therefore I conclude this report with a positive note with a high indication giving to the board of directors in order to act on this new project where it will only help for the betterment of the Silver Ferns future as a multinational company. Reference s for part (i) and (ii) Silver Fern Farms. (2013). Our Co-operative. Retrieved from: https://www.silverfernfarms.com/our-co-operative ; (16 June 2014) Silver Fern Farms. (2013). Annual Report 2013. Retrieved from: https://www.silverfernfarms.com/assets/investors/Silver-Fern-Farms-annual-report-2013.pdf; (15 June 2014) Rohatinski, ÃÆ'†¦Ãƒâ€šÃ‚ ½ . (2009). Economic Crisis and Monetary Policy. Croatian National Bank 2009. Retrieved from: www.hnb.hr/govori-intervjui/govori/egovor-rohatinski-7-7-2009.pdf ; (15 June 2014) The New York Times. (1990). Evolution in Europe; Conservative win in Croatia. Retrieved from: https://www.nytimes.com/1990/05/09/world/evolution-in-europe-conservatives-win-in-croatia.html?ref=croatia ; (15 June 2014) Correa, P., Tarade, L., Borowik, I. M.(2010). The World Bank. Croatiaà ¢Ã¢â€š ¬Ã¢â€ž ¢s Science and Technology Project Unleashes Innovation. Retrieved from: https://web.worldbank.org/WBSITE/EXTERNAL/COUNTRIES/ECAEXT/0,,contentMDK:2261 7141~pagePK:146736~piPK:146830~theSitePK:258599,00.html. (15 June 2014) Goldstein, I. (1999). Croatia a history. The First Centuries of Croatian History and the Establishment of the Croatian State. London, united Kingdom: Hurst Co. Ott, K. (2002). The Underground Economy in Croatia 1990-2000. Institute of Public Finance Occasional Paper, (12). Ministry of Tourism. (2010). Lonely Planet: Croatia, the best destination in year 2005. Retrieved from: https://www.mint.hr/default.aspx?id=784; (15 June 2014) Company Formation Croatia. (2014). Company registration in Croatia. Retrieved from: https://www.companyformationcroatia.com/; (15 June 2014) PESTEL Analysis. (2014). What is PESTEL analysis? Retrieved from: https://pestleanalysis.com/ ; (15 June 2014) Croatian Bureau of Statistics. (2014). Census 2011. Census of Population, Households and Dwellings 2011. Retrieved from: https://www.dzs.hr/default_e.htm ; (15 June 2014) Rough Guide. (2014). Croatia // Food and drink . Retrieved from: https://www.roughguides.com/destinations/europe/croatia/food-drink/#; (15 June 2014)

I Am Praying For You - 1053 Words

I’m Praying for You My cell phone sings me a familiar tune every weekday morning. â€Å"Ugh, ok, ok, I’m up.† Carefully pulling the blanket off, Aiden, my chubby cheeked, doe eyed infant, greets me tugging on my hair. Looking over at him I whisper, â€Å"Let’s go wake up sissy.† He smiles back, flaunting his two new bottom teeth. Just another Friday morning for me, but for my kids, it’s the day of their long anticipated playdate. I dash to the kitchen, get breakfast ready, manage to change a diaper and get out the door by 8:30am. My jubilant 5-year-old, Aundrea, skips ahead of me, in her favorite purple tutu and pink knee-high socks. I nervously command her: â€Å"Dre! Stay close, please.† â€Å"Ok, mommy.† She smiles at me and leisurely starts walking†¦show more content†¦The Merriam-Webster dictionary defines Atheist as: â€Å"a person who does not believe in the existence of a god or any gods.† (Merriam-Webster) When this subject comes up, my parenting skills are the frequent subject of examination. People tend to thrust aside, how well behaved, empathetic and benevolent my children and myself are. The difference between what I teach my children, as far as morals, is uncomplicated. I omit any form of deity. As a child, I was inquisitive. Every time my dear mother beckoned, I answered with a question. My mother’s responses rarely satisfied my eager intellect. She habitually resolved with â€Å"because the bible tells you so†¦.† So, when our television was flooded with starved, crying children, I asked her: â€Å"Mommy, why are those kids so skinny and crying? Is God going to send them food?† â€Å"If it is god’s will, he has a plan for them†¦Ã¢â‚¬  before she could finish my brassy mouth spilled out: â€Å"Mommy, are you sure god really exists?† Her hand walloped across my 9-year-old jowl. This only sparked my curiosity even more. I was coached into believing that I was being watched every hour of every day, by a god. This was my parent’s way of cultivating my moral compass. My parents inadvertently taught me, their religion was the only reason they weren’t schmucks, there was no genuine moral in them only the fear of this deity; Instead of trying to ingrain, the importance of being philanthropic without any form of retaliation.Show MoreRelated Hamlet Soliloquy Act 3 Scene 3 Essay778 Words   |  4 PagesHamlet Soliloquy Act 3 Scene 3 Hamlet has just watched Claudius praying for forgiveness in the church and has been hiding and waiting for his chance to kill him. â€Å"Now might I do it pat, now he is praying; And now Ill dot. And so he goes to heaven; And so am I revenged. That would be scannd:† Hamlet is saying that if he kills his uncle while he is praying, will his father be avenged because as he is confessing his sins to god if hamlet killed him then he wouldRead MoreFight for your life More times than not people take their life for granted and never think800 Words   |  4 Pagesbefore you, often times you dont get a warning sign or a flashing caution lights, screaming† watch out.† Sometimes there is nothing you can do to prevent life from hitting you like a five ton semi truck. You find your true strength only when being strong is the only choice you have. Waking up to half of your hair, now laying on your pillow, no longer attached to you. Struggling to pull your weak, fragile self out of bed, you must run to the bathroom because you are nauseated, yet you have noRead MoreSpiritual Leader Peter At The Prison Gate930 Words   |  4 Pages Peter was a leader in the church, so he had prayed for God to work things out. They were constantly in prayer. Once he was freed with the leading of the angel Peter took a visited to the home of Mary. While a group of people were gathered there praying, he knocked, and a servant came to answer the door. When she realized who it was, rather than open the door, she ran to let everyone else know Peter was there. When she told the people gathered together, they did not believe her. Meanwhile, PeterRead MoreAn Islamic Country Called Saudi Arabia915 Words   |  4 Pages I am from an islamic country called Saudi Arabia. The whole population in there is Muslims. Practicing religious stuff for a religion that is other than Islam is prohibited in my country. So when you are born you do not have a choice but to be a Muslim. I am not complaining about it, actually I could not be more grateful that i became a Muslim. Islam is a peaceful religion regarding the militant groups that distort the image of Islam. When I was growing up I Started to do many rituals such as prayingRead MoreThe Top Ten Myths About Prayer Essay938 Words   |  4 Pageslisten to me. I really don t know how to pray. These nagging questions are simply myths about prayer. 1. It s hard to pray. That s what is so much fun about a myth. It s easy to show the truth through it. Praying is easy. Like anything else, if you want to do it really well, okay, that will take a little time. But, think of all the prayers that will be answered on your way to getting good at it. Whew. Also, and this is no myth, life is much harder to do when you don t pray. 2. I am not worthyRead MoreI Am A Monk From A Small Church952 Words   |  4 PagesChristians. I come to you today in deep personal peril. I have built my career making Icon frames my entire life. I once felt I was helping people seek refuge with our glorious god. Connecting them to not just to our holy saints but also to Christ himself. Yet now I stand wondering if I have strayed them wrong. Have I sent my fellow men, woman, and even children to damnation while I profit. I am a monk before an artisan, yet I may have cursed my fellow followers to hell. This is why I am here, I want findRead MorePersonal Narrative Essay - My Family1001 Words   |  5 Pagesnext morning he was walking perfectly, without a limp. That was one of the blessings that my family experienced this past year. The Spiritual discipline that has been most helpful in establishing my relationship with God is both worship and prayer. I have already made prayer a part of my life. Every Tuesday my family gets together and we have a family prayer. This includes my whole extended family. we all get together and we pray. 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Ethics Case Study Free Essays

Brock Mason Brokerage firm had a number of noticeable issues that played close to fraudulent practices. The firm has an explicit strategy of selling their products first and all the other available products second. Such practice along with not spending a lot of time talking with customers, selling stock that is not in the best interest of the customers, false advertising, finding ways to elude disclosure of commissions, and withholding pertinent information from customers before selling the product sends the message of untrustworthiness and dismay to the customer. We will write a custom essay sample on Ethics Case Study or any similar topic only for you Order Now Most people search for a brokerage firm with the intent of building a strategic partnership to assist in making good financial decisions. Whether they need advice for investing towards retirement, building their children’s education fund, or just seeking options to grow their nest egg, people have urgency for assurance that their best interest is truly at the forefront. Unfortunately, when you find many stories on the internet, news or in magazine articles about brokerage firms mismanaging client funds, it makes you wonder if these firms are really being regulated properly. Is justice really being served? What moral standards are being used to justify what is right and wrong? Some of the dealings of many brokers have some people wondering if they have a conscience or are they just evil. A good example in this case was when one of the brokers took advantage of an unemployed widow who needed sound advice on how to diversify her portfolio in such a way that it would sustain her for the rest of her life. Needless to say, she was steered in the wrong direction. It may have been poor planning on her part by not getting a second or third opinion but she also should have been provided some kind of assurance that the firm she chose to entrust her money was in the business of making good investments for its client because that’s what her expectations were. In this type of business everyone should benefit equally. People feel that they have free will to choose what they want. Additionally, there is hope that the firm you are entrusting your money with will be responsible and can be held accountable in assisting you in making the right decisions. In order to accomplish this, the firm must provide all the pertinent information at the time of decision making, not after the fact such as Brock Mason did in mailing the prospectus to its clients after a purchase. I feel that most of the time, when money is a part of the equation there is a high level of risk involved. I believe it’s true that it is not the money that is evil but the love there of. Possessing, making, and spending money are a way of life; combine that with a company whose sole interest is making money can lead to cheaters and thieves. Who’s really going to represent the customer when the business relationship turns vicious and volatile? It has to be the justice system. I can’t imagine a world without justice, but the utilitarian principle fails to supports the need for a justice system. In an attempt to identify what is morally right for a society it ignores justice a criteria. The underlying idea is that if you seek the greatest output (i. e. , selling stock) with the least amount of cost (to Brock Mason) it will promote the greatest happiness over the less efficient act (underselling the customer). With all of the efforts put forth in promoting happiness, the majority (Brock Mason) in this case, spend much of the time eluding justice and what is right; while laws and regulations attempt to reduce or eliminate the great cost to the minority (the misguided client). The problem with the utilitarian principle is despite the desire to excel in happiness there has to be consideration for the underlying principle of right and wrong. The end does not justify the means. Kant’s approach would address the behaviors of Brock Mason brokerage and James Tithe with the big question; What if everyone acted that way? It would be safe to say that none of the brokers at the firm would be ok with someone undercutting them to make a quick and easy dollar, lying and deceiving them, or stealing from them or anyone close to them. The brokers in this case study seem to be self-centered which has no place in Kant’s categorical imperative. Kant believed every person deserves respect because he or she is a human being. So, any sacrifice of a person for the greater good for a society would be unacceptable. We can apply Rawls theory of justice in this case by considering the needs and rights of everybody. He believed we, as a society, should pay attention to the least advantaged to ensure they do not suffer excessively and they have the opportunity to enjoy society’s benefits as well. He also believed in fairness to everyone. Fairness should be the goal we must all work towards. Throughout the Brock Mason case, with all of the issues, the brokers could never see that they were being unfair to their clients and the organization. Unfair to their client because they were not providing what they advertised to provide. The clients should feel that they would benefit from purchase of the securities; the securities should not be a burden to them and a benefit for broker and firm. It was unfair to the organization because they risked the reputation of the owners and stockholders due to potential lawsuits and loss in profits. There were a few times in the case that I thought James’s character was taking over and encouraging him to make the right decision when dealing with his staff and clients. For instance, in the beginning, he was bothered by certain facts about the aggressive side of the firm. He also had personal guidelines that prevented him from using various marketing strategies because he had previously experienced the problems that could occur. Additionally, he had a proposal that would prevent analyst and brokers from making easy money from selling stock they did not believe in. In the long run though, he chose to agree with the other brokers in the firm and focused on making money. Character is relevant is this case because it is a driving force that cause an individual to make just, ethical decisions in their day to day life. When James first went to Brock Mason, he should have maintained a high level of conduct instead of fitting in with the other brokers. If he had shown better character, he would have had the opportunity to foster a greater awareness within the others. I work in the financial arena for the federal government. In order for us to prevent conflict of interest; we ensure there is a separation of duties. There are also internal controls in place to ensure those processes are in place and working properly. Brock Mason can reform their processes to include separation of duties. Perhaps they can maintain one group of brokers whose responsibility would be providing good, solid recommendations. This particular group of brokers would have to be salaried. Once the client has been advised on what would be the best option for their portfolio, they would be introduced to a different broker on the selling side of the house who is responsible for selling the securities the client is interested in purchasing. This group of brokers would work off of commission. The internal controls in place would be that management would have to sign off on all recommendations before the client can proceed with purchasing the securities. If the recommendations are good and strong, I think the business relationship would be fair and profitable for all involved. How to cite Ethics Case Study, Free Case study samples Ethics Case Study Free Essays Jerry McCall is an office assistant for Dr. William’s. Jerry has received training as both a medical assistant and Licensed practical nurses (LPN). We will write a custom essay sample on Ethics Case Study or any similar topic only for you Order Now During the time the receptionist is out to lunch Jerry is covering for her. Jerry is faced with a common problem in the health care field today. Jerry has been asked to call in a refill for Valium to a pharmacy for a patient. This paper will address why Jerry is not qualified to refill any prescription medication. If Jerry is protected if a lawsuit is filled. Jerry’s decision is a tough one, legal and ethical issues and advice will be provided for Jerry’s use. Jerry has received training as a medical assistant and a LPN and has gained knowledge about prescription drugs. Jerry knows that with his training he is not allowed to refill a prescription medication. Jerry knows that Valium is an addictive drug. Jerry is not allowed to refill this prescription because he is not a medical doctor, dentist, or a psychologist. Jerry has training for a LPN and knows that no matter what type of medication a patient is asking him to refill he is not allowed to. If there are no more refills on the prescription bottle the only thing Jerry can do in this position is to schedule the patient for an appointment with the physician. The patient is asking for a refill for Valium but could also ask for a refill for high blood pressure medication. If the patient has to call because he or she is out of refills on the prescription bottle needs to renew the prescription which can only be done by a medical doctor. The doctrine of respondent superior is defined that the employer is liable for the employee’s actions (Farlex, INC, 2011). If a lawsuit is filled Jerry may possibly be protected. The reading did not state if Jerry carried his own malpractice insurance or just relayed on his employer’s insurance. If Jerry does have his own malpractice insurance he would know that his insurance will pay an attorney to represent him before the Board of Nursing (Mackay, 2006). Jerry could have a lawsuit filed on him if he does refill the Valium and possible even if he does not refill it. Knowing more about the choice Jerry made and what type of malpractice insurance he carried would help to answer the question (if a lawsuit is filed would Jerry be protected? ). For anyone in Jerry’s shoes it is hard to take advice and feel that the outcome would be for the best interest of the organization. Jerry needs to understand that he could lose his job and nursing license. Jerry should explain to the patient that he is not allowed to refill prescription medication and he should explain to the patient that he is also that the aware of the situation that he is flying out of town. Jerry should tell the patient that by making sure that he or she was prepared for travels ahead of time. After Jerry gets off the phone with the patient, he should go see Dr. Williams and explain to Dr. Williams what happened between the patient and himself. In conclusion if more health care professionals put into practice the concept of non-maleficence which is embodied by the phrase, to â€Å"first, do no harm,† or in the Latin, phrase â€Å"primum non nocere (McGraw Hill Science and Technology Dictionary2011). If more health care facilities considered non-maleficence to be the main or primary consideration (â€Å"to done harm†) taking in consideration that it is more important to protect all patients for their safety and wellbeing instead of enthusiastic practitioners being more prone to using treatments that they believe will do the most good, without first conducting an adequately evaluation on the patient to ensure they do no harm to the patient (McGraw Hill Scie nce and Technology Dictionary2011). A great deal of has been done to patients as a result of inadequate evaluations. Therefore, it would be more important to do no harm to a patient than it would to do good so, my advice to Jerry would be to tell the patient that he cannot call in the prescription and assure the patient that he will let the physician know of the patient’s needs and the physician can take care of them as soon as possible (McGraw Hill Science and Technology Dictionary2011). How to cite Ethics Case Study, Free Case study samples

Online dating free essay sample

Imagine a world with out internet. There would be no emails, no facebook, no eBay, amongst other things. Even a simple task as booking a flight or a hotel would have to be done over the phone. To think about it†¦ life as we know it would just not be the same. This new day and age has brought us to a point where it’s possible to find virtually anything on the internet, even love. Yes, online dating has become the new revolutionary way of finding your soul mate (Houran, Lange, 2004), and it is to no surprise since it’s easy, provides more options and is growing each and every day. Thus romantic relationships have benefited through use of the internet. The internet has made many things more convenient including online romantic relationships. It’s unnecessary to have to go out to a bar and spend money (that most likely could be spent on more prosperous things than alcoholic beverages) in an attempt to meet the love of your life (Donn, Sherman, 2002). We will write a custom essay sample on Online dating or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page Online Romantic Relationships allow people to do this for free and from the comfort of their own home. through online dating services based on similar traits which gives more options for potential romances. Internet romantic relationships are becoming more common (Pauley, Sommer, 2007), the media is continuously using online romances as a topic of interest. The versatility of the internet allows everyone to use it which also contributes to its growing popularity. Although much research is yet to be done on such a current topic, it is apparent that the use of the internet has benefited the building and developing of romantic relationships. The days of waiting for the special someone to come waltzing into your life have long gone. The internet has given a new outlook to dating. With the availability of free online dating services you could be talking with someone in a matter of minutes. When you date online the amount of people available for you to meet is endless. There are benefits to this form of dating, but there are also many negative aspects to be aware of before venturing out to the world of online dating. Due to the site you are considering being free to join, anyone will have access to joining Online Dating free essay sample Online dating allows individuals to meet online and begin the dating process with convenience to their personal life. When dating online, individuals can get to know a person they are interested in without holding back feelings or embarrassing issues that many people would be hesitant to talk about in real-life. Dating online allows people to truly get to know each other instead of only focusing on outward appearance. When dating online, individuals will find that you can completely be yourself and not feel pressured into impressing the other person. One of the most important advantages is that online dating allows individuals to narrow down possible life mates instead of going on many failed dates in real-life. Even though online dating has many advantages, individuals can be impacted negatively through dating online. Online dating sites provide an easy way for scammers to target individuals seeking a partner by creating fake profiles. After these scammers gain the trust of the single individual, they will ask for money for a specific reason and then delete the profile. We will write a custom essay sample on Online Dating or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page Online dating also poses the issue of lack of effort and commitment in the relationship due to the myriad of choices in partners. Some people who use online dating sites may misrepresent themselves in order to seem more appealing to potential partners. Individuals must be cautious when using dating sites due to lack in security of personal information. In conclusion, online dating is an effective means of meeting new individuals or a life-long partner. Individuals must learn how to successfully use the proper dating sites in order not to be scammed. Even when using legitimate sites, the potential for connecting with a misrepresented or fake individual is an apparent risk. Online dating can be effective as the introduction to a relationship before meeting the person in real-life. Individuals can get to know a person and then go on a date with that person; however, online dating should only be the beginning of a relationship and not be continued for a long period of time. To sum up, dating online has both advantages and disadvantages but if used properly and with caution, online dating can be an efficient means of finding a life mate.