Responses Essay Example | Topics and Well Written Essays - 500 words - 2

Reactions - Essay Example Particularly, I preferred the line in these discussions, started by Prof. Meilaender. The members have been examining the differentiations between researcher Aylmer and his natural aide Aminadab, and the end was: even creature nature has better instinct and can get threat and uselessness of human including into God's business. In addition, I thoroughly concur with the specialists, that Aylmer's compulsiveness in the story is amazingly forceful, and his endeavor to expel the skin pigmentation is an extremely frightful act. It is extremely mind blowing, in what manner can a pigmentation of his cherishing and caring youthful spouse, who is steadfast and dedicated to her significant other, become such an irritating component There are a large number of individuals among us, who live with substantially more monstrous imperfections of skin or body, yet it doesn't change disposition and care of their caring family members and genuine companions. Just I don't exactly share the situation of Prof. Mary Ann Glendon and some different specialists, who faltered in Aylmer's being a man of science. They called him performer or narcissist. I assume, he was a decent and extremely experienced researcher and chemist, in light of the fact that there were scarcely any open doors for examining genuine science in those occasions. To my brain, Aylmer got into a mental snare and began abhorring his better half for her skin coloration not on the grounds that just of his logical desires for flawlessness, however becau

gender changes in the sun also rises Essay example -- essays research

The Sun Also Rises, by Ernest Hemingway is an account of being separated of the â€Å"Lost Generation† in the 1920's. The Great War had changed the thoughts of ethical quality, confidence and equity and numerous individuals started to feel lost. Their conventional qualities were changed and the ethics for all intents and purposes gone. The â€Å"Lost Generation† dismissed Victorian belief systems about sexual orientation, sex and personality. The primary characters, Brett and Jake, reclassify manliness and gentility, floating away from the Victorian beliefs of sexuality and personality.  â â â â      Lady Brett Ashley is an ideal case of how ladies in the â€Å"Lost Generation† changed. Brett takes a stab at a uniqueness that Victorian ladies would not search for. She additionally looks for greater movement in the social circle. By doing these things, Brett rejects the Victorian goals of legitimate conduct of ladies and marriage. The time after the Great War is an ideal stage in which Brett can start to communicate unreservedly. She enters the social scene, which is predominately male, despite the fact that she isn't socially acknowledged. She goes to bars and becomes inebriated, she even goes to bullfights, which are ridiculous also, rough, to attempt to get acknowledged by her male partners as not simply a ‘woman’ yet an individual equivalent to them. Brett likewise utilizes sex to break free of the customary Victorian beliefs and to investigate another way of life where ladies are allowed to do however they see fit. â€Å"Victorianism set up clear [emphasis added] sexual limits and a solitary standard of monogamy for men and ladies that guaranteed a steady family and took into account energy inside serious relationships. † (White) Brett clearly tosses these limits out the entryway. She is described as a female unconstrained by sexual constraint, approaching laying down with whomever she feels fit, relentless by the Victorian philosophies of what ladies and sex ought to be. Be that as it may, her numerous good for nothing, broken associations with men are more than once as wild as the new, present day world in which she lives.      Throughout her numerous endeavors to separate herself from the conventional world, she despite everything acts uncertainly about what she needs. Woman Brett in numerous ways is torn between the new present day lady and the hopeful Victorian lady. You can see this in her reliance on men for cash, as in her engagem... ... to be with Brett, yet he can not as a result of his mishap. Since sex is such a main thrust in Brett’s life, she was unable to stand to be with him. Jake must be companions with Brett, this gives us the possibility of another sort of connection among people.      In end, Jake and Brett do a generally excellent activity of making the change from Victorian plans to present day convictions obvious to perusers. Not just do they reclassify their sexuality, however they appear to go however such a job inversion, where females forcefully express their sentiments and men cry.  â â â â Works Cited Elliott, Ira. â€Å"Performance Art: Jake Barnes and Masculine Signification.†  â â â â      American Literature Mar. 1995: 1-2 Fulton, Lorie Watkins. â€Å"Reading Around Jake’s Narration: Brett Ashley and  â â â â      The Sun Also Rises.† Hemingway Review Fall 2004: 20-61 White, Kevin. Sexual Liberation or Sexual License?: The American Revolt  â â â â      Against Victorian Sexuality. Chicago: Ivan R. Dee, 2000.

Contracts Essay Example | Topics and Well Written Essays - 250 words - 2

Agreements - Essay Example Proviso (213) of area (2) expresses that express guarantees are as a rule as an example mode, attestation, depiction or a guarantee. The buyer products ought to be in such a condition, that they will be as portrayed in the agreement and that the entire of the merchandise will be equivalent to the example or model appeared. The primary motivation behind the express guarantee ought to be with the end goal that its particular goal fundamentally includes making an attestation just of the estimation of purchaser merchandise (furniture) or an explanation that indicates to be basically the seller’s conclusion or commendation of the shopper products that they don't make a guarantee (Margaret 127). The government law additionally necessitates that express guarantees for shopper merchandise (furniture) be accessible for the purchaser to peruse in any event, when composing contract terms or doing shopping on the web or through an inventory (Margaret 130). This would permit the purchasers to look at the degree of the guarantee inclusion similarly as the law necessitates that the purchaser ought to have benefit to think about cost and different highlights of merchandise (132). In any case, the demonstration neglects to state on whether warrant must be in composed or oral structure, yet ought to be promptly accessible for the

Homework Help - Working on Homework Is Not the Hard Part

Homework Help - Working on Homework Is Not the Hard PartIn your spare time you may be wondering about what you can do with your spare time to help yourself with homework. We have all heard the story about the 12-year-old boy who sat down one day and made up all of his own homework. While this story is certainly amazing, it is not true.The truth is that your free time may be a wonderful place to work on whatever you are interested in. If you are into drawing, then your free time could be a great place to create some drawings. Or if you enjoy playing with small things such as making jewelry, then your free time may be a great place to create some jewelry. Whatever your interest, there is a way that you can work on your homework at your leisure.Another great place for your free time to go would be online. There are thousands of websites that will let you work on your homework at your leisure. You can fill out forms, answer quizzes, and many other things. Because you are online, your fre e time is free time.Look around online and you will see how these websites can become a wonderful resource for you. These websites can make your homework a lot easier to complete. This is because the websites have interactive features that allow you to fill out forms, read books, etc.You can always look for websites that offer homework help at no cost. These websites are dedicated to helping their users with homework.One of these websites is Pinpoint College, which offers an old favorite called 'Pinpoint - Tutor of the Week.' On this weekly segment, one of our tutors will come to your home and help you with some homework. Just think, if you were having a hard time with your homework, and you were not having a very good night's sleep, then this free weekly assignment could make your troubles disappear.Because you have no cost, this is a great opportunity for you to look at your free time and learn something new. In addition, you can find some great websites that offer homework help a t no cost. You will find that you can easily utilize your free time for the amount of time that you can spend doing the homework.Your personal work time is a great place to help yourself with homework. Try using your free time to help yourself with your homework, or look around the internet for some great websites that are dedicated to your personal homework help.

Unit Assignment free essay sample

There are a wide range of approaches to this point the one I am going to pick Is an open key Infrastructure (PKZIP). One of the security choices that we are going to utilize is Privacy or classification. This will keep all data mystery from all individuals except if you are approved to see it. This will help with workers not discovering things that they ought not see like standardized savings numbers, address, and delicate reports for the organization, etc. Having this as a security choices is incredible. I would execute this on the entirety of the systems that I would manage.The next component that I will recommend to Irishman Investment would be Access control. Access control limits access to organize assets and would require the client to have benefits to the assets. This would go hand and hand with the main component that I recommended. You will require this for the primary element that I picked to give the clients legitimate consents to assets and this will help keep clients out that ought not approach the asset. Issue 3: There was an absence of direness in telling the Secretary of Veterans Affairs by his quick staff. They didn't advise the Secretary until 16 May 2006 an entire 13 days after the burglary of data.This was not obviously distinguished as a high need episode and there was an inability to catch up on the Incident until after they got a call from the Inspector General (Offer, 2006). Issue 4: Information Security authorities neglected to viably trigger proper notices and start an Investigation of the taken information. The Information security authorities Incident report contained oversights and raising mistakes. This brought about botched chance to re-make the substance of the PC ND outer drive and to perceive the seriousness of the potential loss of data.The subjectivity tasks authorities neglected to guarantee an auspicious examination and warnings were made with respect to the seriousness of the lost information (Offer, 2006). Issue 5: VA Policies, methods and practices were difficult to distinguish, were not current, nor were they finished. The VA approaches and methodology for shielding against revelation of private data were insufficient with respect to forestalling the information misfortune occurrence. The arrangements and the systems for detailing and examining lost or toluene private information was not very much characterized In the VA approaches (Off er, 2006). Suggestions: 1 . Actualize an incorporated Agency-Weld Information Technology (IT) security program. 2. Actualize a fix the board program to guarantee projects and applications are in the know regarding security patches. 3. Execute successful observing and right security vulnerabilities. 4. Convey and introduce Intrusion Detection Systems (IDS). 5. Execute and use Configuration Management. 6. Use application program/working framework change controls. 7. Introduce all the more activating physical access controls. 8.Utilize infiltration testing to test the security of the remote system. 9. Encode delicate, individual and exclusive information on VA systems. 10. Actualize preparing for VA representatives and temporary workers by using preparing modules which are cutting-edge (Offer, 2006). 11. Set up one brief and clear VA approach on defending ensured information when put away and not put away on a VA mechanized framework. Guarantee this arrangement is effectively and promptly available to workers. Consider workers responsible for rebelliousness (Offer, 2006). 2.Establish a VA arrangement and techniques which give clear and predictable gauges to announcing, researching, and following occurrences of misfortune, robbery, or potential revelation of secured information. Incorporate explicit timeshares and duties regarding detailing inside the VA levels of leadership, Office of the Inspector General (If fitting or relevant) and other law requirement organizations. Guarantee the strategy and method indicates when it is suitable to tell people whose secured information may have been undermined (Offer, 2006)

Explain the personal attributes valued by employers of IT personnel

I am working in professions guidance for IT staff. I have been approached to create a little booklet on esteemed representative qualities and correspondence obstructions. I will compose a report clarifying the individual properties esteemed by businesses. Perspectives Assurance Assurance is significant in the work environment as it shows that they can jump on and complete the work without getting occupied. Assurance is likewise incredible when confronting issues as the worker will be resolved to complete the undertaking and will take a stab at everything to conquer any issues that may keep them from their ultimate objective. While on my temporary job at BP I was extremely resolved to complete the work and I didn’t permit anything to divert me from finishing the work. This permitted me to finish more work in the time allotment I was given which was extremely valuable to my group. Freedom Autonomy is likewise a significant delicate aptitude to have in the work environment. Representatives will be required to finish errands all alone with no assistance from others. Representatives need to have an independent mind and not depend on others to mention to them what they need to do straightaway. At BP I indicated autonomy by making gatherings with individuals I required explicit data instead of trusting that somebody will come to me. Likewise when I was given errands, I would deal with only it and in the event that I got to issues I would attempt to defeat them all alone. Arranging aptitudes Arranging is significant in the work environment it includes thinking ahead to choose what you have to do to accomplish an objective inside a given timescale. It’s significant in arranging that objectives are built up, systems and destinations are chosen to be fruitful. By arranging assignments should be possible in the time given. While at BP I indicated arranging abilities by taking a gander at the undertakings I had and afterward arranging how I would contend the assignments. For example, drawing charts or recording the recipes and where I was going to utilize them in my exceed expectations sheets. Time the executives To utilize your time, you have to oversee it viably. To do this you need to take control on your time and plan when you will finish things by; utilizing a journal would help. Likewise you have to ensure that time is shielded from interferences and ensure you are severe on time ensuring indispensable assignments are done before doing less significant things. Being acceptable at time the executives will be valuable since it will imply that assignments will be accomplished for the cutoff time and the representative will never be late for gatherings or for work which implies that work should be possible when it’s required. On my entry level position I indicated time the executives aptitudes by arranging my errands for explicit occasions and ensuring I had it done by the cutoff time. Additionally ensuring in the event that I had gatherings in another structure I left sufficient opportunity to arrive to ensure I wasn’t late. Explicit Attributes Employment For certain employments specialized information will be required. for example in my position at BP I expected to have information on IT projects, for example, Microsoft, PowerPoint, Excel, Outlook and furthermore expected to have information on SharePoint which is utilized for online capacity. A worker may show specialized aptitudes by taking and passing scholarly or professional capabilities, or you may have a declaration to demonstrate that you have an extraordinary expertise, for example, ICT Qualifications. Wellbeing and security In the event that a worker is unwell, at that point they should remain off work until they are recouped. Coming into work wiped out will at that point make every other person wiped out and so as to forestall this they have to improve at home. The Health and Safety at Work Act requires all representatives to ‘take sensible consideration of themselves and other people who could be influenced by what they do’. This Act additionally expresses that on the off chance that you are a representative who has ‘been harmed at work, seen a hazardous event, or your primary care physician has affirmed that you have a business related reportable sickness, you should advise your employer’.

Decline of Class Rank

Decline of Class Rank August 14 If a high school doesnt rank, theres nothing a college can do about it. They just have to deal. Weve written many times in recent years about the decline of class rank as a factor in highly selective college admissions.  And so its no surprise to us that there was a  blog yesterday on the website of the National Association for College Admission Counseling (NACAC), to which our Founder, Bev Taylor, is a member about how fewer and fewer schools rely on class rank when rendering admissions decisions. As the piece states, At Tufts University (MA), just 20 percent of students who applied this year provided a class rank.  Of  the 2014-15  freshman cohort at Dartmouth College (NH), only a third of students hailed from high schools that rank students. And Tufts and Dartmouth are surely not alone. Class rank has been on the decline for years. There is no advantage for a high school to rank its students and while its taken some time for these schools to realize this, theyve been coming around. Slowly but surely. Theres enough competition in highly selective college admissions. For a high school to pit one of their students against another of their students doesnt help their students. It hurts their students. It creates animosity between students, between families. High schools want as many of their students getting into highly selective colleges as possible, not only the student who ranks first in the class. At some schools, everyones a valedictorian. At Ivy Coach, we applaud these schools for standing tall against colleges who ask for class rank information. We applaud these schools for sticking to their principles. As it turns out, it is, without question, in their best interest. It always has been. Have a question about class rank? Feel free to ask away by posting a Comment below. We look forward to hearing from you.

Computer Essay Is It Your Friend Or Not

BLOG In: Popular topics Today, we cannot imagine our life without the computer. It seems that we have them everywhere: at the working place, at home. Our children were born in the world, where the computer is the usual thing like the bus, mobile phone or something like that. The detailed information you can get ordering the life without computers essay. Our essay writers will be glad to help you. Our children have now everything, which we even could not dream about in our childhood. But a lot of people worry about the influence, which the computer has on their children. Is it safe? The influence of the computer is in the fact, that it catches the attention of the children and they can spend a lot of time there. The negative influence of the computer you can get, if you do not follow the simple rules, which can help you to protect your health. Because of it, you should understand, that you will be responsible for the consequences, when you purchase the computer for your children. Only you can control how many hours they spend near the computer or which games they are playing. Computer for the little children If you have the little children, it seems, that they do not need a personal computer for school or something like that. It will be enough for them to spend some time at the computer of their parents. There are a lot of computer games for children, for example: they can paint, play with the puzzles. The older children can learn how to read or to count. But it is better not to let your children to spend a lot of time playing different games. It is better to play with them in some games, which can develop their mind. The list of the useful games, which you can show to your children, is possible to order on our site in essay on computers. You can be sure, that you will be glad with the result, which you will be provided with from our team members. The help of the computer at school Do you know the fact, that if the children spend not too much time near the computer, they will develop the concentration of the attention, but if they spend a lot of time near the computer, the level of their attention will be very small. Also, it is needed to control the time, which your children spend near the computer in order to prevent some health problems, for example with the eyes. The parents should see the great interest in it and to avoid the situations, where the parents want to relax from the hard working day and it is better for them to let their children to play in different computer games, then to play with them or to do something useful. It is needed to tell them the exact time, which your children can spend near the computer. For example, the children till the age of 6 can spend up to 20 minutes per day near the computer. Also, it is better when they do it not every day. The children at the age of 7-8 can spend 30-40 minutes near the computer per day. And at the age of 9-11, they can spend 1-1,5 hours a day. The computer can create a lot of health problems, but the biggest one can be connected with the eyes. Everyone knows the fact, that our eyes are connected with the brain and because of it the physical and psychological health will be affected too. It is recommended not to use a lot of bright colors for the picture on your computer, because it is harmful for your eyes. Also, it will be great, if your children can do some special exercises for the eyes, which can protect them from the influence of the computer and also they will be able to relax their eyes. If you see, that your children are tired after spending some time near the computer, you should check if everything is ok with the working place. How to create the correct working place for your children? If you wish to get the benefits from the computer, it is needed to put them in the right place, that will be comfortable for your children. First of all, your children should get enough light, but you should remember, that it cannot be too bright. It is better to put the computer table near the window and your children will get enough natural light. It will be very useful for their eyes. The table, where your children will spend time, should be exact for them: it cannot be too large or too small. The monitor should be before your children and they should not change the position of the body to see it better. The doctors recommend to clean the computer table every day and to have some plants in the room, where you have the computer. If you wish to get more advices, you can order the computer in education essay and you will get them. If your children do not want to go from the computer There are a lot of questions from the parents, whose children can spend even the whole day near the computer. It does not matter if they play different games or just watch some films or sit in the social networks. All these situations were created exactly by parents. If you have limited the time, which your children can spend near the computer, but later you let them do everything they wanted, the children can do as they wish. If the teenagers spend a lot of time near the computer, it can mean, that there are some problems in the family. If your children cannot communicate with the members of your family, they do not have friends, they will compensate it by pending time in the computer. The detailed information you can find in the essay on communication. But if you are sure, that everything is ok with your family, then you just need to attract the attention of your children with something new. For example, you can find the new hobby, reading new books or sport. If you wish to avoid any conflicts in your family because of the computer, you need to explain the situation to your children. You should explain about the negative impact, which the computer can have. You can be sure, that they will value your explanation. To sum up, you should not be afraid of the negative influence of the computer. Just control the situation and you will see, that your children will get a lot of benefits. If they have the computer, they will get more information about the technique and they will try to explore the different programs. These skills will be very useful in the future and it is possible, that it will be their profession. If you wish to order an essay on computer, please place the order and our professional writers will provide you with it in the shortest time.

American Obesity - Free Essay Example

Sample details Pages: 9 Words: 2680 Downloads: 6 Date added: 2019/03/22 Category Health Essay Level High school Tags: Obesity Essay Obesity in America Essay Did you like this example? Abstract As a Nutrition major, I have always wondered, Why is it that in the last few decades, people around the world have been increasing in weight, especially in America? From 1990 to 2018, American obesity has grown from being 11% of the population to 35% (The State of Obesity). Why do some people have such a hard time losing weight, while others have to work really hard to even gain a few pounds? So, what exactly is obesity? Obesity is defined as having a BMI (Body Mass Index) over 30, and is considered a chronic disease that increases the risk of a variety of health conditions. This includes, but is not limited to: insulin resistance, diabetes, high blood pressure, gallstones, stroke, heart attack, osteoarthritis, and even cancer (Balentine).. Don’t waste time! Our writers will create an original "American Obesity" essay for you Create order The location of fat on the body can increase these risks; generally, more abdominal fat means a higher risk. Storing fat in the abdomen is known as an apple shape, while storing fat in the hips and legs is a pear shape. The waist to hip ratio, which is found by dividing the measurement of the smallest part of your waist by that of widest part of your hips, is used to assess the increased risk of obesity related diseases. If the ratio is greater than or equal to 0.8 for women or 1.0 for men, their risk for obesity related diseases is elevated (Balentine). In order to understand this obesity epidemic, we must first understand what causes obesity in the first place. Although there is definitely an influence from peoples personal actions, it turns out obesity is not purely a consequence of an individuals choices; there are genetically predetermined factors that impact ones likelihood of gaining weight. One study used identical twins to test if genetics play a role in ones weight and fat distribution. Twelve pairs of twins were given a one thousand calorie a day surplus over the course of one hundred days for six days per week. It turns out each twins weight gain and fat distribution was similar within pairs, but varied between the twelve different sets (Bouchard). These findings are very significant, because they demonstrate just how much ones body composition, location of fat distribution, and metabolic rate can vary based on genetics. Ones ethnicity, gender, hormone levels, and childhood weight, all of which are influenced by genetics, play a role in the likelihood of becoming obese. African Americans and Hispanics, women especially, have a tendency to put on more weight earlier in life; this is most likely a result of differences among cultures relating to food. People who are overweight in their 20s have a higher chance of becoming obese in their late 30s. Generally, the earlier the person is overweight in their life, the more likely they will become obese later on. Women are more likely to become obese because of their tendency to put on more weight due to hormones such as estrogen (Balentine). Although heredity does play a significant role, the foods people eat in America have a great impact on obesity. Lots of sugary, calorie dense, man-made junk foods are marketed to the public, and sometimes they can be very hard to resist. The low nutrient profile in these foods makes people feel full less quickly, often causing them to overeat, filling up on too many calories and not enough protein, fat, or complex carbohydrates (Gunnars). The aggressive marketing of junk food companies does not help either. Advertising for many junk food items is aimed towards children, who do not yet have enough knowledge to make conscious, informed decisions about what they eat, and they get addicted to sugar at a young age. Countless digital marketing ads are portrayed through phones, games, and social media to children and adolescents. In 2008, the food industry spent about $10 billion per year in marketing to children, according to the Federal Trade Commission (Toxic Food Environment). Certain junk food products are advertised as being healthy, with labeling that claims they are beneficial to the body in some way, when in reality they are not healthy. Many companies slap labels on their products such as all natural, multigrain, sugar free, fat free, light, among many others (16 Most Misleading Food Labels). These claims can even trick adults into thinking that they are buying a healthy product (Gunnars). For example, cereals such as Honey Nut Cheerios may claim that they are whole grain, low fat, contain all 12 vitamins and minerals, are a good source of iron and calcium, and that they may reduce the risk of heart disease and lower cholesterol (Honey Nut Cheerios | Gluten Free Oat Cereal), but they are still high in sugar and have little protein per serving. Children must be taught at a young age about the importance of fruits and vegetables in the diet, and to limit sugary items. As a result of consuming so many high sugar, calorie dense foods, people can develop insulin resistance. Insulin is a hormone in the body that regulates the conversion of energy into fat versus being utilized elsewhere in the body. In a person who is insulin resistant, the body does not register when enough of the hormone has been made, and continues making more of it; this causes more energy to be stored as fat instead of used by the body. In order to prevent high insulin levels or insulin resistance, one must not eat an excessive amount of refined carbohydrates and have a good amount of fiber (Gunnars). People can also become resistant to the hormone leptin, another possible cause of weight gain. Leptin is responsible for reducing appetite when the body has a sufficient amount of fat stored. However, in obese individuals, leptin cannot be registered by the brain because it is unable to cross the blood-brain barrier. This results in an unsatiated appetite, even with plenty of fat storage. Leptin resistance is the most common initiator of fat and weight gain that causes individuals to become obese (Gunnars). The environment in which people live and work greatly impacts what they eat, and in turn, the likelihood of becoming obese. This includes both physical and social surroundings, such as living as a family, being at work or school, and where a person lives (Toxic Food Environment). Families influence the way their children eat in several ways. The foods provided at home impact what children will like as adults. Eating together as a family influences a healthier diet for the child if the parents provide fruits and vegetables at the dinner table. However, some low income families cannot afford to buy healthier foods such a fruits, vegetables, and whole grains, and the unhealthier options such as pre-made meals are much cheaper and convenient. Many low income parents are single, working full time, and do not have the time to cook healthy meals (Toxic Food Environment). The workplace of adults also has an effect on food choices and likeliness to gain weight. Usually, unhealthy options from vending machines, or the huge box of donuts a co-worker brought in, are readily available to be consumed. Stress and fatigue from too much work can also cause people to exercise less and work more, which leads to less calories being burned and potential weight gain (Toxic Food Environment). While the workplace environment affects the diets of adults, the same goes for children in school. Many schools, albeit having a National School Lunch program, do not have the healthiest choices for kids. Junks foods are sold outside the National School Lunch program, making them known as competitive food. These may include chips, candy, and sugary drinks that many kids are drawn towards (Toxic Food Environment). The neighborhood where one lives also affects the accessibility of food. Many people, mostly low-income families, are located in food deserts, or areas with limited access to supermarkets. Instead, they have greater access to convenience stores, which usually do not have as much variety as supermarkets and contain mostly processed foods (Toxic Food Environment). This leads to people in food deserts having less nutrient dense diets. There is a great need for healthier options to be accessible to everyone. Another factor that could be contributing to the obesity epidemic is the way our society treats obese people. There has long been a stigma that people who are obese are lazy, unmotivated, and careless. But this is not always the truth. Putting down obese people only makes them feel badly about themselves and exacerbates the problem. A study done by Brenda Major and others demonstrates the effects of such a weight stigma on women. Women were randomly selected to read an article that was either related to weight stigma or something completely unrelated. Overall, the women who were exposed to the weight stigma article felt worse about themselves and were therefore less motivated to make changes. In particular, it made women who felt they were overweight consume more calories. So, weight stigma is not motivating people to change themselves, but only making them feel more hopeless. The weight stigma is also evident in the health care system. Many doctors are guilty of not taking their obese patients seriously when they have a problem, assuming they just need to lose weight to feel better. Take for example, Sarah Bramblettes experience with a doctor when she started experiencing hip pain. Sarah was over four hundred pounds, and when the doctor came to assess her hip issue, he said, Let me cut to the chase. You need to lose weight. Without any further examination other than her physical appearance, he wrote down on her list of symptoms obesity pain. Sarah was dumbfounded. She made an appointment with another doctor, one who actually diagnosed her, and discovered she had a scoliosis progression (Kolata, Why Do Obese Get Worse Care?). A study performed in 2001 at the Texas Medical Center of Houston provided evidence that doctors do not treat overweight and obese individuals the same as patients who are not. 122 physicians were evaluated on how they treated average weight, overweight, or obese patients, all of whom had the same ailment. The results were that the physicians spent less overall time with the overweight and obese patients than the average weight ones (Hebl). With obesity rates continually growing, physicians need to change the way they view obese or overweight individuals, and start taking their needs as seriously as any other patients. Additional problems affect the quality of medical treatment obese people receive. One of these problems is that there are no calculated dosages of medication for obese people. All of the dosage guidelines are assumed for people at a healthy weight. Another is that the majority of MRIs are not large enough to contain an obese person, forcing doctors to have to give up the diagnosis. Lastly, many procedures are not done on obese people. For example, surgeons are not willing to perform knee surgeries on people with a BMI over 40. This is because working on heavier individuals increases the chance of a surgical complication, and doctors dont want to risk a negative effect on their surgical success rate. This situation is not ideal when the majority of people with joint problems are overweight or obese. All of these roadblocks to treatment are not fair for obese people, and changes must be made to accommodate their needs (Kolata,Why Do Obese Get Worse Care?). Despite the bad rap obesity has for increasing the risk of certain health implications, it is actually possible for a person to be classified as obese and still be metabolically healthy. In other words, their metabolism, or the rate the body burns calories through the chemical processes that occur within, is at a normal, healthy rate. These individuals are defined as MHO, or Metabolically Healthy Obese. One possibility of being considered MHO is if your BMI is above 30, but you are muscular and physically fit. Positive lifestyle habits, such as a nutrient rich diet, exercise, not smoking, and a moderate consumption of alcohol can play a role in a persons categorization as metabolically healthy obese. Currently, there are no specific criteria for classifying MHO. Some possible ways to determine MHO could include ones waist circumference, blood pressure, cholesterol, and blood sugar levels, insulin resistance, and physical fitness. Approximately thirty-five percent of obese people are classified as MHO (Nordqvist). This is quite a lot of the obese population, so it would be important to know how to distinguish the difference between the metabolically healthy and the metabolically unhealthy. Such knowledge could result in a better understanding of how to treat obesity. The way many obese people approach weight loss is another issue with the obesity epidemic. It is common for people to lose weight too quickly, as can be seen on the television show Americas Biggest Loser. Kevin Hall, Senior Investigator at the National Institute of Health in Washington, was interested in seeing what happened to the Season 8 contestants post show. Hall monitored their weight and metabolic rate for 6 years after the end of the show, and the results were shocking. Most of the contestants had gained back much of their original weight, some even more. Not only that, but their metabolisms were slower than when they first started (Kolata, After the Biggest Loser). Danny Cahill, the winner of Season 8, lost a whopping 239 pounds, going from 430 pounds down to 191. However, in the years after the contest, the pounds came back rather quickly. After the six-year study, Danny had gained back 100 of the pounds he had lost, ending at 295 pounds with a decreased metabolism, burning about 800 calories less than the average person his weight. Why, after all his hard work, did the pounds just pile back on? (Kolata, After the Biggest Loser) It seems that Dannys body is fighting back against the damage he has done by losing an extreme amount of weight in a short period of time. The more successful you are at losing weight, the slower your metabolism will be, and the more hungry youll be, says Hall. As Danny lost weight, his metabolism decreased, making it very difficult to maintain the final weight he achieved. Levels of the hormone leptin, responsible for controlling hunger, also decreased, making Danny feel extremely hungry on the low calorie diet that was necessary to maintain his new weight. To avoid feeling constantly hungry, Danny had to eat more food. But, with such a lowered metabolic rate, his body could not maintain his new weight, so he continued to put on more pounds (Kolata, Biggest Loser). Its like asking someone to hold their breath, you can do it for awhile, but its very difficult to do it for much longer than a minute or two, Hall explains. Some scientists believe the body goes through a famine mechanism, in which the body responds to rapid weight loss by reducing metabolic rate and leptin levels in an attempt to hold onto and put back on as much weight as possible to return the body to homeostasis. The body reacts as if it were in an extreme crisis with limited availability of food, lowering the metabolic rate and leptin levels as a mechanism of survival (Kolata, Biggest Loser). The metabolisms of the Biggest Loser contestants had no time to adjust to the extreme caloric deficit they experienced. Rebecca and Daniel Wright, two other Biggest Loser contestants who also gained weight back post show, have a new plan of action to keep the weight off for good. Instead of dramatically reducing calories right away, they are gradually reducing the number of calories they eat per day. This way, their bodies are adjusting slowly to the change in diet without registering it as as a threat to survival. Besides a gradual decrease in calories, other advice for successful weight loss recommended by Susan Biali, M.D., is to avoid extreme dieting, enjoy the foods you eat, and make realistic changes you know you can make a part of your lifestyle. Extreme dieting, like what was done on Americas Biggest Loser, has a yo-yo effect, and is not sustainable. It only promotes stress and deprivation, and makes the dieter feel as if they failed.

The Ancient Mayan Civilization A Rigid Social Structure

The Ancient Mayan Civilization was built upon a rigid social structure based on their religious beliefs. They used a caste social structure in which divisions were based on wealth, inherited rank, privilege, profession, or occupation. Their beliefs were based on the fact that nature elements had the power to either help or harm. The Ancient Mayans used their social structure and beliefs to shape their daily lives. The Mayans were a very religious. They believed in many gods and all events centered around their religious beliefs. In their belief system, the gods would bring the rain, heal the sick, bring plentiful harvests and make sure the health and safety of the people if they were honored. If the gods were angry, they believed that the gods would send disasters to their people like droughts throughout their region. In order to keep the gods happy, they believed that a daily sacrifice of blood was necessary. They would open a wound on their body and let the blood drip on paper. Kin gs would also offer their blood to please the gods. The paper would be burned in an offering to the gods. The Mayans worshipped their ancestors as if they were gods. It was believed that the priests could see the spirits in the smoke. When a king or nobleman died, the Mayan people believed that he became one with the gods and would go to live in the sky with them. The dead were buried with food, tools, clothing, and whatever would be needed for their journey. Tombs were built to bury theirShow MoreRelatedThe Ancient Civilizations of Central and South America Essay5364 Words   |  22 PagesThe Ancient Civilizations of Central and South America Central and South America was once home to some of the ancient worlds most magnificent and glorious civilizations. The Incas, Aztecs, and Mayas were just three of these civilizations. These civilizations ruled the area for many years, and flourished greatly in their own different ways. They were the cause for much advancement in arts, architecture, politics, religion, and society in the world. These civilizationsRead MoreMexican Muralism4003 Words   |  17 Pagesstyles are similar in the sense of the amount of expression and movement in their pieces They also share a common ideology that shows up often in their work. Siqueiros’ Portrait of the Bourgeoisie and New Democracy along with Orozco’s American Civilization and Catharsis show you a great cross section of Mexican Muralism, revealing the passions and beliefs of the time period. In order to understand the Mexican muralists, one must first understand the Mexican Revolution. Among the revolutions ofRead MoreThe Birth of Civilization18947 Words   |  76 Pages1 The Birth of Civilization Mohenjo-Daro Figure. Scholars believe this limestone statue from about 2500 B.C.E. depicts a king or a priest from Mohenjo-Daro in the Indus valley in present-day Pakistan. Does this figure seem to emphasize the features of a particular person or the attributes of a particular role? Hear the Audio for Chapter 1 at www.myhistorylab.com CRAIMC01_xxxii-031hr2.qxp 2/17/11 3:22 PM Page xxxii EARLY HUMANS AND THEIR CULTURE page 1 WHY IS â€Å"culture† considered a definingRead MoreOne Significant Change That Has Occurred in the World Between 1900 and 2005. Explain the Impact This Change Has Made on Our Lives and Why It Is an Important Change.163893 Words   |  656 PagesWineburg, Historical Thinking and Other Unnatural Acts: Charting the Future of Teaching the Past Sharon Hartman Strom, Political Woman: Florence Luscomb and the Legacy of Radical Reform Michael Adas, ed., Agricultural and Pastoral Societies in Ancient and Classical History Jack Metzgar, Striking Steel: Solidarity Remembered Janis Appier, Policing Women: The Sexual Politics of Law Enforcement and the LAPD Allen Hunter, ed., Rethinking the Cold War Eric Foner, ed., The New American History

Plato’s “Allegory of the Cave Modern Comparison - 791 Words

â€Å"The Truman Show† and Plato’s â€Å"Allegory of the Cave† writings were astonishingly similar in theory. Even though these two writings were written almost 2500 years apart, there were many key concepts alike. In both writings there was an imprisonment of a man from childhood to adulthood. Both of these men had a series of events occur as they grew older, which allowed their eyes and mind to see and process the truth of the world and to forget their ignorance. â€Å"... I proceed to say, go in to compare our natural condition, so far as education and ignorance are concerned, to a state of things like the following.† This statement from Plato truly states the theory of mind in which is portrayed in both â€Å"The Truman Show† and Plato. As stated in†¦show more content†¦Today there is not much trust in the world; relationships are sometimes one sided and real life comes with a lot of pain. By the director, Peter Weir creating an alternate world, he was creating a perfect world. Maybe this is the director’s hope and dream for society. However, today’s society is full of war, hunger, disaster, hate, violence and poverty; all of this with no ways of stopping it. Ancient Athenian’s society would have been filled with many ideas of how things were and every day people would just accept this; the people would not question things. Today people think that they question ideas and rules, but how many theories, regulations and norms do we accept every day as normal. We today are not much different than those people of AncientShow MoreRelatedPlatos 4 Analogies Of The Republic Analysis1579 Words   |  7 Pagesanalogies to represent his theory of justice in the ideal state. The four analogies include the ship, the sun, the divided line, and the cave. The analogies of the ship, and the cave are used by Plato to represent the people of the state and proving his argument that philosophers are the true rulers of the state. The divided line and the sun analogies also supports Plato’s point about philosophers obtaining intellectual knowledge apposed to the ordinary citizens who only have sensible knowledge. PlatoRead MorePlato s Cave Allegory : Textual Analysis1300 Words   |  6 PagesPlato’s Cave Allegory A textual analysis â€Æ' Plato has been documented as one of history’s great thinkers, he was a student of Socrates learned how to think of the greater aspects in life and asking questions about life. He created a school for others to learn, to question the truth and broaden their horizons. In Plato’s The Allegory of the Cave, he concentrated on human perception and willingness to advance knowledge by looking beyond surroundings and seeking the truth. His Cave Allegory was aboutRead MoreModern Technology And Its Effect On The Mindset Of The Current Generation1572 Words   |  7 Pagespossibility that it has inadvertently intellectually stunted the minds of our generation. The recent book described in essay topic one highlights on the true integrity of modern technology and its affect on the mindset of the current generation. The author actively addresses the limitations placed on knowledge by the current misuse of modern technology. The book centers on the author’s argument that the current generation is more self-obsessed as well as less intelligent and literate than any other previousRead MorePlato’s Allegory of the Cave and The Matrix Essay2251 Words   |  10 PagesThe Republic is considered to be one of Plato’s most storied legacies. Plato recorded many different philosophical ideals in his writings. Addressing a wide variety of topics from justice in book one, to knowledge, enlightenment, and the senses as he does in book seven. In his seventh book, when discussing the concept of knowledge, he is virtually addressing the clichà © â€Å"seeing is believing†, while attempting to validate the roots of our knowledge. By his use of philosophical themes, Plato is ableRead MoreComparing The Matrix With Readings From Plato And Descartes1023 Words   |  5 Pagesreadings from Plato and Descartes This essay will discuss The Matrix, from synopsis of the following; The Republic by Plato, depicting the famous cave allegory, and Meditations on First Philosophy by Descartes, offering doubt that some senses are accurate. By examining these two readings, and the movie, it will allow the author to show some comparisons, and to show how they are also different as this essay indicates the world is very real. The Matrix In The Matrix, Neo realizes hisRead MoreThe Matrix the Cave and Meditations Essay1829 Words   |  8 PagesThe Matrix, The Cave And Meditations PHIL 201 John L. Hill II Liberty University John Hill Professor Allyn Kyes Philosophy 201 October 18, 2012 The Matrix, The Cave And Meditations Thesis: There are many similarities in the Matrix ( Wachowski, Andy, and Lana Wachowski 1999 ), The Allegory of the Cave ( Plato ) and Meditation I of The Things of Which We May Doubt ( Decartes, 1641 ). It appears as you take a close look at the Matrix that it is a retelling of â€Å"TheRead MorePlato And Aristotle s View On Knowledge Essay1297 Words   |  6 Pagesdevelopment of human beings and their mindsets. Although Plato’s view on knowledge describes the internal predisposed essence of all Forms and the need for a superior being to extract them from the student, Aristotle’s outlook resides as more reliable and realistic due to his beliefs in the premise of knowledge in the sensation and perception, with continuing development in memory, experience, art and science, and, ultimately, true wisdom. In many of Plato’s works, he discusses Socrates’ lessons and quarrelsRead More Plato Contrasted with Confucius Essay1245 Words   |  5 Pagesa progressive society. In his work The Republic, specifically The Allegory of the Cave, Plato gives a vivid picture of a society under the guidance of certain restrictions, keeping the people under control. The picture presented by Plato is of men kept in isolation within a cave in such a way that they are only permitted to see what is in front of them: the shadows cast of objects being carried along a path running through the cave. Within this metaphor of a controlled society, Plato shows how menRead MoreThe Flaws of the Socratic Method1798 Words   |  8 PagesThe Flaws of the Socratic Method In Plato’s Republic, as well as in most of his other works, the philosopher writes dialogues between the character of his mentor, Socrates, and various figures meant to illustrate contradictory positions. He carefully scripts the engagements in a form of discussion now called the Socratic Method, where Socrates critiques the positions of the other characters in order to find flaws in inaccurate arguments. Although this method is prevalent even today, I will makeRead More`` Harrison Bergeron `` By Kurt Vonnegut1875 Words   |  8 Pagesare de-emphasized or do not exist in many dystopian settings. The governments are usually operating under a police state, and leader’s offer many promises that often turn out to be only lies (Knox). In Vonnegut works, Harrison Bergeron shows how a modern day society is manipulated by the government to make everyone equal. Unfortunately they have implement amendments 211, 212, and 213 to the Constitution; every American is fully equal, meaning that no one is uglier, weaker, or slower than anyone else

Poverty, Equity, Human Rights, And Health - 1390 Words

Braveman and Gruskin, in their 2003 paper offer a review of the established cycle of poverty, equity, human rights, and health with an overview of the links between them; the history of past global efforts; and five recommendations to the health sector to focus its resources to gain maximum impact. Their paper stands on the shoulders of well-established research and theory. It is well established that there is a link between poverty and poor health, including decreased morbidity and mortality (Irwin Scali, 2007; Wagstaff, 2002). Likewise, that the cycle of the determinants of health can be broken by the attainment of education is well established (Braveman Gruskin, 2003; Maxwell, 1999; Wagstaff, 2002). That poverty itself is not a violation of human rights is, in and of itself, a surprise. However, following their argument that it is the government’s inequitable distribution of health resources or its failure to respond that produces the violation of human rights offers clar ity and a broader perspective (Braveman Gruskin, 2003). In his address to Congress on January 11, 1944, President Franklin D. Roosevelt asserted that the American people had â€Å"the right to adequate medical care and the opportunity to achieve and enjoy good health† (Roosevelt, 1944). Never before had adequate medical care (never mind enjoying good health!) been stated as a right. â€Å"We have accepted, so to speak, a second Bill of Rights under which a new basis of security and prosperity can beShow MoreRelatedThe Association Between Poverty, Equity, And Human Rights946 Words   |  4 PagesThe association between poverty and health outcomes is often overlooked. Attributable to a lack of structure which incorporates equity and human rights under the basic criteria’s of; institutionalizing, strengthening, and extending and implementing equitable health care to ensure adequate health services (Braveman Gruskin, 2003, p. 539). Strategies focused on identifying the correlation between poverty, equity, and human rights, in connection to health, have been difficult to assess, however, BravemanRead MoreCritical Reflection Of The Healthy People Healthy Places Reading Material And Consists Of Three Sections1342 Words   |  6 Pagesthree sections. It includes the definition of terms like health inequality and how does it relates to health equity. The first section states the importance of health inequalities and the necessity for a solution to decrease the health inequality gaps. Firstly, the term health inequality has a very broad definition and can be defined as the variations in health status or in the distribution of social determinants (Anonymous, 2012). Health inequality is also described as a condition which is avoidableRead MoreHuman Rights And Social Equity757 Words   |  4 PagesHuman Rights and Social Equity Thesis and Motive Human rights are vital to achieving and sustaining development, and while world leaders acknowledged the links between human rights and development, the MDGs did not reflect this as inequities faced by populations were not considered (UN Human Rights, Office of the High Commissioner for Human Rights [OHCHR], 2015). For example, while some countries were able to achieve the MDGs, in many countries, particularly poor ones, individuals remain in extremeRead MoreHealth, Social And Social Policy1656 Words   |  7 PagesHEALTH, WELLBEING SOCIAL POLICY By [Name of Student] [Name of Instructor] [University] [Course] [Date] Health, Wellbeing Social Policy Introduction Citizens, businesses and interest groups alike continue to be concerned about poverty and related factors that deal with health and finance. However, human rights and availability are concepts that aren’t not taken seriously enough, in view of certain perspectives. Health inequalities refer to the differences in the quality of the healthcareRead MoreHealth Promotion And Its Effects On The Wellbeing1673 Words   |  7 PagesHealth is usually a complete physical, mental and social wellbeing and not merely the absence of a disease or infirmity. In current century people inherits good health, or some may have sickness at times or some may have serious illness. As the lifestyle changes, so does the people’s health changes (Human Kinetics, n.d). By having good health helps people to fully get involved in their communities and also to participate in different activities among the community. Health promotion is the procedureRead MoreThe Medical Mission Trip Of Haiti1661 Words   |  7 PagesMy nursing practice has been affected by the medical mission trips that I have taken to Haiti. This course has further expanded my knowledge of global nursing and helped me to understand and envision new ways to improve health outcomes. I have been face to face with impoverished people who lacked access to clean drinking water, proper sanitation, nourishment and healthcare services. The life expectancy at birth in Haiti for women is 64 and in men is 61 (WHO, 2015). Haiti is the poorest countryRead MoreA Health Indicator Of Nepal Essay1488 Words   |  6 PagesPUBLC HEALTH INDICATOR SNAP OF NEPAL Nepal is a relatively small (population around 26.5 million) land-locked country, bordered by the two biggest countries in the world, India and China. Its renowned physical beauty makes it very fragmented and many parts are inaccessible by modern transport and communication facilities. There are few cities and 86% of the population lives in rural areas. The country is divided into 5 development regions, 14 zones and 75 districts. Despite its richness in biodiversityRead MorePoverty And Poverty802 Words   |  4 PagesPoverty is the worst form of violence (Gandhi). By definition, poverty impacts the civil, cultural, economic, political and social rights of individuals and societies. (United Nations). Without the intentional effort to eradicate poverty and its impact on societies, justice is impossible to attain. Poverty is defined as a human condition characterized sustained or chronic deprivation. The constant lack of resources is traumatic for individuals and societies alike. Poverty and other closely relatedRead MoreThe Rich Mans Debt : Ethical Obligations1537 Words   |  7 Pagesresources during international commerce the order violates their people’s human rights to â€Å"a standard of living adequate for the health and well-being of oneself and one’s family, including food, clothing, housing and medical care.†2 We thus have a positive duty to ensure the proper distribution of goods and resources. Countries like the United States have pledged to provide a tiny portion of their national income to poverty reduction. However, of the sum of money dedicated to this cause, only 21Read MoreThe Poverty Of The United States1727 Words   |  7 PagesPoverty defined by the American Heritage Dictionary is â€Å"lack of the means of providing material needs or comforts† (Hirokazu Yoshikawa, 2012). Poverty in the United States is an issue that is often times overlooked because the focus of poverty is on developing and struggling countr ies. People often think America does not experience poverty because it is such a thriving country. The problem with this is that America is indeed struggling with poverty: â€Å"there are currently 488 counties in America where

Auditing and Assurance Financial Analysis

Question: Discuss about the Auditing and Assurance forFinancial Analysis. Answer: Introduction In audit of financial analysis, the most common report prepared by the auditor is the unqualified report also known as the clean review. This review is used where there is invariably no significant constraints that affects the audit performance. Moreover, the audit evidence obtained in the financial statements and the working papers of the audit reveals insignificant deficiencies in the financial statements or any circumstances that unusually affects an independent auditors report. This is in accordance to ASA 700. Opinion with Exception According to the Declaration on rules and audit procedures in ASA 700, there are certain circumstances that do not allow the auditor issued an unqualified opinion (clean opinion) and on the contrary, must issue a qualified opinion or report. There are two important communications in this report. First, the auditor's opinion contains a qualification, which means that the auditor expresses an exception to the fair presentation of the financial position of the results of operations and cash movements in the auditor's report (Bromilow, Griggs and Olson, n.d.). Secondly, the auditor should normally indicate the monetary impact of the deviation on the financial statements to enable the reader to evaluate its effect on the financial statements. For example, it may be uncertain whether long-term assets should be revalued using a liquidation basis of accounting. Going Concern Issues An independent auditor can add an explanatory paragraph due to a significant litigation situation. The use of the auditor of a room explanatory paragraph to describe a significant uncertainty is substantially affected by the probability of a significant loss (Chorafas, 2001). The next three paragraphs illustrate the consideration that the auditor on the additional explanatory text. Probability of a significant loss Remote significance of loss leads the auditor to issue a standard unqualified opinion. Reasonably possible - The auditor's decision to add an explanatory paragraph depends on whether (1) the likelihood of an unfavourable outcome is closer to remote or probable, and (2) the magnitude of the loss in relation to the relative importance (Fraser and Ormiston, 2001). If a significant loss is probable and can be estimated, management must create the corresponding provision in the financial statements. If the loss is reflected in the financial statements, a standard unqualified opinion is issued. However, there are significant uncertainties that cannot be reasonably estimated by management or by the auditor. This additional explanatory paragraph highlights the uncertainty. After reading the notes to the financial statements, readers should reach their own conclusions on the possible effects of uncertainty on the financial position, results of operations and cash movements. Significant Uncertainties The auditor may wish to emphasize a matter relating to the financial statements and express an unqualified opinion. In this example, the auditor has chosen to highlight the note on related party transactions for readers of the financial statements parties. However, the financial statements are fairly presented in all material respects. As shown here, the scope of the audit and the opinion expressed by the auditor does not differ from the standard report. The auditor only emphasizes certain disclosures in the financial statements. Emphasis on an Issue The auditor issues this report when a significant portion of the audit work is performed by other auditors. This often occurs when another firm of independent public accountants conducted the audit of the financial statements of a subsidiary company (Hawker, 2000). This report provides users with specific information on the division of responsibilities between the principal auditor and the other auditor by indicating the size of the company audited by other independent accountants. An additional opinion paragraph to indicate that the opinion on the consolidated financial statements is based, in part, in the opinion of the other auditors explanatory paragraph is added. The opinion paragraph is modified only to reflect the accounting basis used to prepare the financial statements. In this example, the auditor issued an unqualified opinion on the fair presentation, in all material respects, the financial statements in accordance with accounting standards established by the regulatory body. Going Concern of Connor company Every company, at certain moments of its existence, will be affected by some type of crisis. In these circumstances it will emerge which is capable of overcome; the rest succumb or be enormously difficult survival (King, 2011). In times of financial and economic crisis, companies, particularly their owners and managers have to show their skills to overcome difficult situation, of course this involves using a lot of creativity andbased on respect for human rights of workers and the labor legislation.Companies often are forced to develop their operations faced by many adversities; some of them derived from economic decisions taken by successive boards and management, which are bad adaptations of the experiences of the companies goals. Adverse or Negative Opinion When the auditor realizes that there is substantial doubt about the customer's ability to move on as a going concern for a reasonable period of time an explanatory paragraph is included in the report (Moizer, 2005). This paragraph refers to the note to the financial statements where uncertainty about the ability of the entity to continue as a going concern and management plans with respect to such uncertainty, are treated. it is also uncertain whether the financial statements should be adjusted and in what amounts. For example, it may be uncertain whether long-term assets should be revalued using a liquidation basis of accounting (Wittsiepe, 2008). b) Inventory management system in auditors report Audit of inventories can lead to material effects to the companys financial statements. However, the difference between the two inventory management system LIFO and FIFO are used in the parent company and the subsidiary which is the local company. In order to record and control inventories, companies adopt the appropriate systems to value their stocks of goods and thus fix its possible volume of production and sales (Saxena et al., 2010). The effects of any changes in inventory management systems will be felt by the American Parent Company in preparation of the group or holdings financial reports. Inventory management systems will not adversely affect the preparation of the local company therefore no material or significant effect on the audited financial report. This will lead to the auditor issuing an unqualified report since the effect is not of material significance. When there had been a change in accounting principles or in the method of its application that significantly affect the comparability of financial statements, the auditor should express mention in the opinion paragraph of its report that there is a caveat to the uniform application of accounting principles and standards. The opinion paragraph should be written by the auditor in this format, except for the effects of any adjustments that might be necessary if the final outcome of the uncertainty described in the above. The provision is known. the financial statements are presented fairly, in all aspects significant fairly the current assets that is the inventory level and financial position of the local company. c) Factory building valuation in auditors report Balance sheet valuation is based on the initial cost of the factory building less the accumulated depreciation over a period of five years and the annual depreciation (Tracy, 2008). Therefore if the Victorian Manufacturing Company includes the value of the factory buildings at market value then this is a material misstatement. This will greatly affect the final valuation of the company in the balance sheet even though the directors are adamant that the valuation has remained relatively the same over the course of the five years. The independent auditor can issue an unqualified report to the company but with an exception paragraph for his disclaimer of opinion. Identify the Internal Control Weaknesses in the Adel Companys Procedures Adel Company has a lot of weaknesses in the internal control procedures in recruitment, payment and dismissal of the workers they are hiring. Control environment should not be weak to avoid massive loss of company and fraud. Strong internal controls also leads to efficiencies in both time management and resources allocation. The following are the issues that I have identified that lead to weakening of the internal control procedures; 1 ) The company foreman employs the workers single handedly. He interview and hands the job to the qualified people. He has no assistance and this can lead to a flawed hiring process, recruitment of unqualified of personnel, favoritism, bribery and hiring of ghost worker. 2 ) After the hiring process, the interviewee feels his or her tax installment declaration form and hand it back to the foreman. This can lead to collusion between the foreman and the employee to defraud the company. 3) Manual entry of the hourly rate of work by the foreman who hand over the form to the clerks. This is to notify the clerk that the person has been employed. 4) The foreman verbally instructs and advises the payroll clerk on any adjustment in the payroll changes 5) At the entrance is the timesheets are kept for the workers to pick at any time freely without any checks. 6 ) Upon arrival and departure, the workers fill their hourly work attended with a pensil and submits the same at the end of the week. 7) It takes some days for the payroll clerk to take the timesheets for verification 8) The timesheets are divided alphabetically and equally allotted to the two payroll clerks and each clerk is responsible for her section. The clerks do not even check each others work as the two know what alphabetical order they have to work with. 9) Employees are automatically removed from the payroll if they do not submit the timesheets while each payroll clerk prepares her payroll cheques. This will definitely lead to overcharging the company and collusion as the clerk may collude with the workers. 10) The chief accountant manually signs the payroll cheques and is given to the foreman. There is no automation of the accounting procedures and systems are manual. 11) The foreman is also responsible for distribution of the cheques and delivery of the cheques to absent workers. This will lead to unaccounted money and fraud due to absent workers. 12) The payroll bank account is prepared by the chief accountant without verification of the physical details of the workers as well as preparation of the payroll tax report. With this process, there is total breakdown of internal control systems. There are no checks, balances and verifications in the system which will lead to massive loss of cash resources of Adel Company. This system needs an effective checking system to detect and capture fraud, theft and embezzlement of company resources. Identification of Test Control for Each of the Errors Identified Substantive controls procedures should be identified and implemented as follows; 1) The hiring process should be conducted by at least 3 people checking and verification of the workers and to ascertain the correct number hired (Wittsiepe, 2008). The foreman should hire with the help of two others. 2) Automatic systems should be employed rather than manual systems where the workers feel their own tax installment form. Additionally, someone should be hired to fill the forms for the workers to avoid over declaration. 3) The foreman role should end at the hiring stage. An independent person should hand over the forms to the payroll clerks 4) The foreman should have a written entry timesheet for any adjustments in payroll and avoid verbal instructions for record keeping 5) Workers should not feel the timesheet with a pencil as the entries can be easily changed. They should use marked ink pens or a computerized system for checking that cannot be manipulated. 6) Verification should be done on the last day of work by the payroll clerk 7) The payroll clerks should work together, one to verify while the other checks the payroll rather than dividing the timesheets alphabetically. This will lead to transparency of the payroll. 8) Changing the payroll system from manual entry to an automatic computerized system will reduce theft or fraud by the payroll clerks, the chief accountant and the foreman. 9) After manually signing the payroll check, the chief accountant should pay the workers himself while retaining the cheques for absent workers to collect them after verification and proper identification. 10) The foremans work should be only to oversee the workers work and not any cash related to avoid colluding, theft and embezzlement of companies cash. Recommendation and Conclusion The auditor should use professional judgment in conjunction with their knowledge of the specific circumstances of the Company to determine what tests to apply, when to apply and how be tested and what type of report to give in accordance to ASA 700. Opinion Paragraph In conclusion, the Independent Accountant does not express any warranty. An auditor's opinion is based on professional judgment and is reasonably sure of their conclusions. Here it emphasizes the relative importance. An auditor checks the internal control systems of a company and gives a report based on the systems (Wittsiepe, 2008). These systems need an effective checking system to detect and capture fraud, theft and embezzlement of company resources. References Audit and assurance (United Kingdom). (2007). London: BPP Learning Media. Bromilow, C., Griggs, L. and Olson, J. (n.d.). Audit committees and financial reporting, 2016. Chorafas, D. (2001). Implementing and auditing the internal control system. Houndmills, Basingstoke, Hampshire: Palgrave. Fraser, L. and Ormiston, A. (2001). Understanding financial statements. Upper Saddle River, N.J.: Prentice Hall. Gray, I. and Manson, S. (2011). The audit process. Andover, Hampshire, UK: South-Western Cengage Learning. Hawker, A. (2000). Security and control in information systems. London: Routledge. Jajodia, S. and Strous, L. (2004). Integrity and internal control on information systems VI. Boston: Kluwer Academic. King, A. (2011). Internal control of fixed assets. Hoboken, N.J.: Wiley. Moizer, P. (2005). Governance and auditing. Cheltenham, Glos, UK: Edward Elgar. Pedneault, S. (2013). Preventing and detecting employee theft and embezzlement. Hoboken, N.J.: Wiley. Saxena, R., Srinivas, K., Rai, U. and Rai, S. (2010). Auditing. Mumbai [India]: Himalaya Pub. House. Saxena, R., Srinivas, K., Rai, U. and Rai, S. (2010). Auditing. Mumbai [India]: Himalaya Pub. House. Tracy, J. (2008). Accounting for dummies. Hoboken, NJ: Wiley Pub., Inc. Turner, L. and Weickgenannt, A. (2013). Accounting information systems. Hoboken, NJ: John Wiley and Sons. Wittsiepe, R. (2008). IFRS for small and medium-sized enterprises. Wiesbaden: Gabler.

Personal Statement for Illinois State University free essay sample

College. I have dreamed about it since the fifth grade, and once I began high school, I learned so much about it. I went from thinking that I would get a 30+ on the ACT and that I would get accepted to Northwestern, to overhauling my entire college list once reality struck (which was my 25 on the ACT and Northwesterns price tag). Now that I know what I want, I am looking for a school that is close to home while being far enough to establish independence, and one that is sized between a large, public university and a small private college. Illinois State University seems to be the perfect fit for me. I will admit, however, that I have not yet been to campus due to financial restraints and I hope to visit sometime soon. However, numerous pictures and online videos have assured me of the campus beauty. Since I have been going on about why I am interested in attending ISU, allow me to tell you more about me. We will write a custom essay sample on Personal Statement for Illinois State University or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page I love journalism. And if you had told me freshmen year that I would be a writer, I would have laughed. My English teacher told me to try my hand at the school newspaper and I figured, why not? In the last three years, Ive worked my way up from reporter, to Managing Editor. I also found employment last year at a teen newspaper, The Mash, published by the Chicago Tribune. Having the opportunity to interview people like a financial expert and the Director of the Chicago Film Office, have only confirmed that I want to do this as a career. I have also won awards through my experience as a journalist, such as an honorable mention in Feature Writing through the 2012 NISPA awards, as well as winning third place and making it to state in Headline Writing in the 2012 IHSA Journalism sectionals and I hope to qualify again this year, but in the Copy Editing category, which has been elusive these past two years. So, can you guess what I want to major in? Yes, its journalism, and I have heard th at Illinois State has a great communications program. I love to learn. I always have. I would say I have had great academic success in high school, but yes, there are certain academic areas that I dont perform well in such as science and honors classes, but I embrace new challenges. I am taking some difficult classes this year, including my first AP class. I love English, grammar especially, which can be seen through my love of Copy Editing. I just hope there are not any errors in this essay! I believe that Illinois State University will provide me with an excellent education, many opportunities to have a great college experience, and the challenges I need to have a successful future. I hope that you were able to see who I am in this essay and why I would love to be a Redbird.

what is the sociological perspective (imagination) Essay Example For Students

what is the sociological perspective (imagination) Essay Diane Ihlenfeldt February 13, 2004 Question 1: What is the sociological perspective? What is the nature of the social sciences? This is the question that began the study of society, first performed by C. Wright Mills in his development of the idea of the sociological imagination. There are many different aspects to the sociological perspective. Merriam-Webster dictionary defines perspective as the capacity to view things in their true relations or relative importance. Having a sociological perspective means that you view all of societies components and their relationship to the individual. We will write a custom essay on what is the sociological perspective (imagination) specifically for you for only $16.38 $13.9/page Order now First I will discuss how individuals are socialized. Next I will point out societal structures role in that socialization. Finally I will discuss how the sociological perspective allows us to view different inequalities in the world. While growing up we rarely think about why we do things the way that we do, and make the decisions that we make. From infancy we are socialized, meaning that we are trained how to exist within our social environment. By developing a sociological perspective we are able to see that we are socialized, and view how our social environment has an effect on the decisions that we make. Social environments differ across many boundaries including, but not limited to race, ethnicity, gender, and class. For example I was raised within a poor, Caucasian, single parent, low class family, which means that the decisions I make may be different from the decisions made by someone raised in a rich, Catholic, Hispanic, two parent, upper middle class family. For example because we were poor, my mother was uneducated, our class was low, and our religion played as more of a financial support system than a moral characterizing system, we consider it okay to have children outside of the structural bounds of marriage. There are different rules, known as norms, by which we must abide in order to be considered well adjusted to society. It is important to understand that one does not spontaneously become the person that they are, and automatically follow the norms that they follow. They must be taught by others in their society such as their parents, as well as by societal structures such as education, and the media. Although most Americans would like to think of themselves as autonomous beings, it is a fact that our choices are shaped by larger social forces around us such as the historical or cultural contexts and social institutions. We make these decisions because we have internalized the values, beliefs, and norms of our culture. Through socialization we learn to perform different roles such as American citizen, mother, or worker. Along with socialization comes our shaping by societal structures. Societal structures refer to the pattern within culture and organization through which social action takes place. A good example of a societal structure is the media. The media has a major affect on how society is conditioned to follow certain norms. For example we learn about what is acceptable and unacceptable by watching the news. The news will cover issues such as murder, rape, and incest, condemning them, making it know that these actions are deviant. Societal structure includes the arrangement of roles, organizations, institutions, and cultural symbols. These roles, organizations, institutions and cultural symbols are often invisible, and remain stable over long periods of time. Having a sociological perspective also allows us to view the inequalities in the world between different classes, races, and genders. We are able to see how someone who is African American has to struggle to get to a high executive office, an office that is easier to attain for a white male. Sociologists find it important to note that the differences between us are not so much biological as they are cultural. We are socialized by our society and societal structures. Those structures often promote the inequalities found within a society. The sociological perspective allows us to see with the naked eye just how society works, and the effects is has on its members. It is important for every person to discover the sociological perspective, allowing them to have a broader understanding of the world around them and themselves. .u4a39c031ae670b905b42b5d89a8e8282 , .u4a39c031ae670b905b42b5d89a8e8282 .postImageUrl , .u4a39c031ae670b905b42b5d89a8e8282 .centered-text-area { min-height: 80px; position: relative; } .u4a39c031ae670b905b42b5d89a8e8282 , .u4a39c031ae670b905b42b5d89a8e8282:hover , .u4a39c031ae670b905b42b5d89a8e8282:visited , .u4a39c031ae670b905b42b5d89a8e8282:active { border:0!important; } .u4a39c031ae670b905b42b5d89a8e8282 .clearfix:after { content: ""; display: table; clear: both; } .u4a39c031ae670b905b42b5d89a8e8282 { display: block; transition: background-color 250ms; webkit-transition: background-color 250ms; width: 100%; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #95A5A6; } .u4a39c031ae670b905b42b5d89a8e8282:active , .u4a39c031ae670b905b42b5d89a8e8282:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #2C3E50; } .u4a39c031ae670b905b42b5d89a8e8282 .centered-text-area { width: 100%; position: relative ; } .u4a39c031ae670b905b42b5d89a8e8282 .ctaText { border-bottom: 0 solid #fff; color: #2980B9; font-size: 16px; font-weight: bold; margin: 0; padding: 0; text-decoration: underline; } .u4a39c031ae670b905b42b5d89a8e8282 .postTitle { color: #FFFFFF; font-size: 16px; font-weight: 600; margin: 0; padding: 0; width: 100%; } .u4a39c031ae670b905b42b5d89a8e8282 .ctaButton { background-color: #7F8C8D!important; color: #2980B9; border: none; border-radius: 3px; box-shadow: none; font-size: 14px; font-weight: bold; line-height: 26px; moz-border-radius: 3px; text-align: center; text-decoration: none; text-shadow: none; width: 80px; min-height: 80px; background: url(https://artscolumbia.org/wp-content/plugins/intelly-related-posts/assets/images/simple-arrow.png)no-repeat; position: absolute; right: 0; top: 0; } .u4a39c031ae670b905b42b5d89a8e8282:hover .ctaButton { background-color: #34495E!important; } .u4a39c031ae670b905b42b5d89a8e8282 .centered-text { display: table; height: 80px; padding-left : 18px; top: 0; } .u4a39c031ae670b905b42b5d89a8e8282 .u4a39c031ae670b905b42b5d89a8e8282-content { display: table-cell; margin: 0; padding: 0; padding-right: 108px; position: relative; vertical-align: middle; width: 100%; } .u4a39c031ae670b905b42b5d89a8e8282:after { content: ""; display: block; clear: both; } READ: Quite literally dying to be thin Essay .

How To Make Friends Influence People at Work

How To Make Friends Influence People at Work It’s important to have friends and to be the kind of person people want to be friends with. It’s arguably even more important to make friends among your coworkers. First of all, work is a great place to make adult friends after college. And it’s also a great way to become a part of the company culture. You might even start to look forward to going to work every day. Here are 10  tips on how to make more friends and influence people in the workplace and in life:1. Use NamesSaying people’s names is easy, and if you work it into your normal speaking patters, it will  really make an impact. People love hearing their own names. It’s like you’re personalizing generic small talk with every use.2. Don’t be MercenaryDon’t make friends with everyone, and don’t make friends with people because you want to get something out of them. Ulterior motives won’t serve you in the long run. Put your effort and energy into people yo u would want to socialize with outside of work. And don’t go too gung-ho too fast or you’ll scare potential buddies off with your over exuberance.3. Be YourselfYou don’t want to get into a situation where you’re afraid to befriend certain colleagues on certain social media platforms. Keep it consistent. Have a policy and stick with it. The easiest thing? Just be yourself. At the office, at home, and across your social media profiles. Don’t say anything online you wouldn’t be comfortable having all of your friends see.4. Help PeopleNobody likes the person in the office who refuses to help her coworker. Try to say yes and help people as often as you can without sacrificing too much of your own work or time. It’s a great way to gain and express loyalty.5. Don’t be ObnoxiousDon’t be the loud one everyone cranes their necks out of their cubicles to glare at. Don’t bring in stinky lunches and microwave their stench thro ughout the office. Don’t talk over people or shut down their ideas without listening. In short, don’t be a jerk. This simple strategy will actually make the rest surprisingly easy.6. ParticipateIf a group of your coworkers is standing around making small talk, join in! If there’s a birthday card in circulation or a joint gift to go in on, get involved! Just as you wouldn’t want to turn down opportunities to build your professional network, don’t turn down opportunities to make friends. Happy hour? Yes please.7. Don’t be NegativeCursing and complaining can be alienating at best, and a huge turn off at worst. Try to stay composed and positive. Be the person people look to when they need a dose of the bright side, not someone people avoid when they’re not feeling up to snuff.8. Set BoundariesMaking friends with your coworkers does not mean inviting them to be your bosom buddies right away. Don’t feel the need to invite people to y our home or family functions too soon. That can wait until you’ve developed a true intimacy. Keep it light and social at first.9. Resolve ConflictsDon’t let arguments or resentments simmer and fester underneath your relationships. Remember, you can’t just leave your quibbles at home- these friends are people you also have to work with. Be super forthright in resolving conflicts as they come up, before they become major issues that might get in the way of work or your relationship.10. Be InclusiveDon’t just cherry pick the people you like most. Sure it’s okay to be closer to the people with whom you have most in common- you don’t have to be everyone’s friend to the same degree. But don’t be the jerk that invites everyone except one or a few people out for drinks on a Friday night. Be inclusive. Choose kindness. Otherwise you might lose friends rather than make more of them.

MAF202 Money and Capital Markets Assignment T1 2012 Essay

MAF202 Money and Capital Markets Assignment T1 2012 - Essay Example Hence, there has been widening of spread between cash rate and the interest rates set by the major banks. Banks have argued to such anomaly by mentioning that the rising costs of funds have led them to take such decisions. Since the Global Financial Crisis (GFC), banks have relied more on debt funding which are expensive sources of fund than equity and others. If we look at the recent global economic scenario, it can be found that the euro-zone crisis situation is still unresolved, and economic growth rate is expected to slowdown in 2012. There have been no rate cuts by the central bank of UK since 2009. In India recently there have been rate cuts by Reserve Bank of India and banks have started responding to it positively. Central bank of China follows a tightly regulated monetary policy and is expected to have rate cuts in 2012. Reserve Bank of Australia (RBA) is the central bank of Australia established in the year 2006. Its principal task is to control and regulate the monetary policy of Australia (Reserve Bank of Australia, 2012a). RBA uses cash rate as a tool to control the pressure of inflation in Australia. RBA targets to keep the inflation rate in and around 2% to 3%. This refers to the monetary policy followed by RBA. RBA’s monetary policy also includes curbing unemployment rate and assuring a stable economic growth of the country as its other objectives. When the inflation rate goes beyond the target of RBA, the cash rate is enhanced. Otherwise RBA tries to reduce the cash rate when it feels that inflation is not posing a great threat and Australia can have a faster economic growth. RBA regulates the monetary policy of Australia by setting up the lending rates on loans available in the money market on an overnight basis. These rates of interest set by RBA have an influence on the rest of the interest rates in Australian economy. Subsequently it has an effect on how the

The analysis of the lecture about Human Rights and The Expirence of Essay

The analysis of the lecture about Human Rights and The Expirence of exile - Essay Example In particular, the Iraq Jews are an example of how human rights violation can be rampant in a political system that is not just. The presence of Jews in Islamic world can be traced back in the days of Abraham, Sarah, Rachel, Jacob, David, and Solomon. The Jews and Christians in Iraq were treated as second-class citizens because of their religious affiliation. This shows high level of religious discrimination that was experienced by these citizens who are not actually Muslims. The Jews in Iraq because of their religion were subjected to limited economic opportunities. This cuts across in all sectors of economy and even property ownership. Genocide of Jews in Germany during the Second World War is only but just an example of religious persecution. In the human scriptures though there is no exact word human rights but that does not imply that they do not advocate for equality. For instance, in Exodus and Deuteronomy the laws advocate for slave justice and equality. These scriptures try to caution that everyone is equal. The law of equality is written in every human being’s heart. This means that it should be a natural thing for a person to treat the other with equality regardless of religious affiliation. In any social set up there should be guidelines or provision that should guard or protect the right to any religion. Countries should embrace many religions to avoid religious conflict experienced in most North Africa states in the recent past. The constitution should be in the forefront to promote democracy in all aspect of life. If this is well captured in the constitution then let be assured that the society will be peaceful. Religious discrimination can lead to exemption of basic economic rights. For instance, the Jews living in Iraq, their accounts were frozen. Their schools were closed down and their property seized. This is just a demonstration of how bad the condition can get in a society that does not embrace

International Journal of Accounting and Financial Essay Example for Free

International Journal of Accounting and Financial Essay ABSTRACT The role of Indian mutual fund industry as significant financial service in financial market has really been noteworthy. In fact, the mutual fund industry has emerged as an important segment of financial market of India, especially in channelizing the savings of millions of individuals into the investment in equity and debt instruments. Mutual funds are seemingly the easiest and the least stressful way to invest in the stock market. Quiet a large amount of money has been invested in mutual funds during the past few years. Any investor would like to invest in a reputed Mutual Fund organization. Mutual funds are financial intermediaries concerned with mobilizing savings of those who have surplus and the canalization of these savings in those avenues where there is a demand for funds. These intermediaries employ their resources in such a manner as to provide combined benefits of low risk, steady return, high liquidity and capital appreciation through diversification and expert management. Reforms in the  Indian economic system and the opening up of the economy have been the reasons for the tremendous growth in the Indian capital market. This study analyzes the impact of different demographic variables on the attitude of investors towards mutual funds. Apart from this, it also focuses on the benefits delivered by mutual funds to investors. To this end, 200 respondents of Solapur City, having different demographic profiles were surveyed. The study reveals that the majority of investors have still not formed any attitude towards mutual fund investments. KEYWORDS: Mutual Fund, Investors, Solapur City INTRODUCTION Mutual fund is a pool of money collected from investors and is invested according to certain investment options. A mutual fund is a trust that pools the saving of a no. of investors who share a common financial goal. A mutual fund is created when investors put their money together. It is, therefore, a pool of investor’s fund. The money thus collected is then invested in capital market instruments such as shares, debentures and other securities. The income earned through these investments and the capital appreciations realized are shared by its unit holders in proportion to the no. of units owned by them. The most important characteristics of a fund are that the contributors and the beneficiaries of the fund are the same class of people namely the investors. The term mutual fund means the investors contribute to the pool and also benefit from the pool. The pool of funds held mutually by investors is the mutual fund. A mutual fund business is to invest the funds thus collected according to the wishes of the investors who created the pool. Usually the investor’s appoint professional investment managers create a product and offer it for investment to the investors. This project represents a share in the pool and pre status investment  Pritam P. Kothari Shivganga C. Mindargi  objectives. Thus, a mutual fund is the most suitable investment for a common man as it offers an opportunity to invest in a diversified, professionally managed basket of securities at relatively low cost. EVOLUTION OF INDIAN MUTUAL FUND INDUSTRY The formation of Unit Trust of India marked the evolution of the Indian mutual fund industry in the year 1963. The primary objective at that time was to attract the small investors and it was made possible through the collective efforts of the Government of India and the Reserve Bank of India. The history of mutual fund industry in India can be better understood divided into following phases: Establishment and Growth of Unit Trust of India 1964-87 Unit Trust of India enjoyed complete monopoly when it was established in the year 1963 by an act of Parliament. UTI was set up by the Reserve Bank of India and it continued to operate under the regulatory control of the RBI until the two were de-linked in 1978 and the entire control was transferred in the hands of Industrial Development Bank of India (IDBI). UTI launched its first scheme in 1964, named as Unit Scheme 1964 (US-64), which attracted the largest number of investors in any single investment scheme over the years. UTI launched more innovative schemes in 1970s and 80s to suit the needs of different investors. It launched ULIP in 1971, six more schemes between 1981-84, Childrens Gift Growth Fund and India Fund (Indias first offshore fund) in 1986, Mastershare (Inidas first equity diversified scheme) in 1987 and Monthly Income Schemes (offering assured returns) during 1990s. By the end of 1987, UTIs assets under management grew ten times to Rs 6700 crores. Entry of Public Sector Funds 1987-1993 The Indian mutual fund industry witnessed a number of public sector players entering the market in the year 1987. In November 1987, SBI Mutual Fund from the State Bank of India became the first non-UTI mutual fund in India. SBI Mutual Fund was later followed by Canbank Mutual Fund, LIC Mutual Fund, Indian Bank Mutual Fund, Bank of India Mutual Fund, GIC Mutual Fund and PNB Mutual Fund. By 1993, the assets under management of the industry increased seven times to Rs. 47,004 crores. However, UTI remained to be the leader with about 80% market share. 1992-93 UTI Public Sector Total Amount Mobilised 11,057 1,964 13,021 Assets Under Management 38,247 8,757 47,004 Mobilisation as % of Gross Domestic Savings 5.20% 0.90% 6.10% Emergence of Private Secor Funds 1993-96 The permission given to private sector funds including foreign fund management companies (most of them entering through joint ventures with Indian promoters) to enter the mutal fund industry in 1993, provided a wide range of choice to investors and more competition in the industry. Private funds introduced innovative products, investment techniques and investor-servicing technology. By 1994-95, about 11 private sector funds had launched their schemes. Growth and SEBI Regulation 1996-2004 The mutual fund industry witnessed robust growth and stricter regulation from the SEBI after the year 1996. The mobilization of funds and the number of players operating in the industry reached new heights as investors started showing more interest in mutual funds. A Study of Investors Attitude towards Mutual Fund with Special Reference to Inversotrs in Solapur City Investors interests were safeguarded by SEBI and the Government offered tax benefits to the investors in order to encourage them. SEBI (Mutual Funds) Regulations, 1996 was introduced by SEBI that set uniform standards for all mutual funds in India. The Union Budget in 1999 exempted all dividend incomes in the hands of investors from income tax. Various Investor Awareness Programmes were launched during this phase, both by SEBI and AMFI, with an objective to educate investors and make them informed about the mutual fund industry. Growth and Consolidation 2004 Onwards The industry has also witnessed several mergers and acquisitions recently, examples of which are acquisition of schemes of Alliance Mutual Fund by Birla Sun Life, Sun FC Mutual Fund and PNB Mutual Fund by Principal Mutual Fund. Simultaneously, more international mutual fund players have entered India like Fidelity, Franklin Templeton Mutual Fund etc. There were 29 funds as at the end of March 2006. This is a continuing phase of growth of the industry through consolidation and entry of new international and private sector players. Indian mutual fund industry reached Rs 1,50,537 crore by March 2004. It is estimated that by 2010 March-end, the total assets of all scheduled commercial banks should be Rs 40,90,000 crore. The annual composite rate of growth is expected 13.4% during the rest of the decade. In the last 5 years there is an annual growth rate of 9%. According to the current growth rate, by year 2010, Mutual fund  India assets will be double FEATURES THOSE INVESTORS LIKE IN MUTUAL FUND If mutual funds are emerging as the favorite investment vehicle it is because of the many advantages. They have over other forms and avenues of investing parties for the investors who has limited resources available in terms of Capital and ability to carry out detailed reserves and market monitoring. These are the major advantages offered by mutual fund to all investors: Professional Management Mutual Funds provide the services of experienced and skilled professionals, backed by a dedicated investment research team that analyses the performance and prospects of companies and selects suitable investments to achieve the objectives of the scheme. Diversification Mutual Funds invest in a number of companies across a broad cross-section of industries and sectors. This diversification reduces the risk because seldom do all stocks decline at the same time and in the same proportion. You achieve this diversification through a Mutual Fund with far less money than you can do on your own. Convenient Administration Investing in a Mutual Fund reduces paperwork and helps you avoid many problems such as bad deliveries, delayed payments and follow up with brokers and companies. Mutual Funds save your time and make investing easy and convenient. Return Potential Over a medium to long-term, Mutual Funds have the potential to provide a higher return as they invest in a diversified basket of selected securities. Pritam P. Kothari Shivganga C. Mindargi Low Costs Mutual Funds are a relatively less expensive way to invest compared to directly investing in the capital markets because the benefits of scale in brokerage, custodial and other fees translate into lower costs for investors Liquidity In open-end schemes, the investor gets the money back promptly at net asset value related prices from the Mutual Fund. In closed-end schemes, the units can be sold on a stock exchange at the prevailing market price or the investor can avail of the facility of direct repurchase at NAV related prices by the Mutual Fund Transparency You get regular information on the value of your investment in addition to disclosure on the specific investments made by your scheme, the proportion invested in each class of assets and the fund managers investment strategy and outlook Flexibility Through features such as regular investment plans, regular withdrawal plans and dividend reinvestment plans, you can systematically invest or withdraw funds according to your needs and convenience Affordability Investors individually may lack sufficient funds to invest in high-grade stocks. A mutual fund because of its large corpus allows even a small investor to take the benefit of its investment strategy. Well Regulated All Mutual Funds are registered with SEBI and they function within the provisions of strict regulations designed to protect the interests of investors. The operations of Mutual Funds are regularly monitored by SEBI. DISADVANTAGES OF MUTUAL FUNDS Above I have mentioned the various advantages of Mutual Funds but it also suffers from a lot of drawbacks as the market is volatile and it is ever affected by national as well as international factors, these days we can see that crude oil prices in International market has become an important factor  in determining the market movement. Here are some disadvantages as cited by me and by survey: Fluctuating Returns Mutual funds are like many other investments without a guaranteed return: there is always the possibility that the value of your mutual fund will depreciate. Unlike fixed-income products, such as bonds and Treasury bills, mutual funds experience price fluctuations along with the stocks that make up the fund. When deciding on a particular fund to buy, you need to research the risks involved just because a professional manager is looking after the fund, that doesn’t mean the performance will be always good Diversification Although diversification is one of the keys to successful investing, many mutual fund investors tend to over diversify. The idea of diversification is to reduce the risks associated with holding a single security; over diversification (also known as diversification) occurs when investors acquire many funds that are highly related and, as a result, don’t get A Study of Investors Attitude towards Mutual Fund with Special Reference to Inversotrs in Solapur City the risk reducing benefits of diversification. At the other extreme, just because you own mutual funds doesn’t mean you are automatically diversified. For example, a fund that invests only in a particular industry or region is still relatively risky. For example: Sect oral Funds Cash and More Cash As you know already, mutual funds pool money from thousands of investors, so everyday investors are putting money into the fund as well as withdrawing investments. To maintain liquidity and the capacity to accommodate withdrawals, funds typically have to keep a large portion of their portfolios as cash. Having ample cash is great for liquidity, but money  sitting around as cash is not working for you and thus is not very advantageous. Costs Mutual funds provide investors with professional management, but it comes at a cost. Funds will typically have a range of different fees that reduce the overall payout. In mutual funds, the fees are classified into two categories: shareholder fees and annual operating fees. The shareholder fees, in the forms of loads and redemption fees are paid directly by shareholders purchasing or selling the funds. The annual fund operating fees are charged as an annual percentage usually ranging from 1-3%. These fees are assessed to mutual fund investors regardless of the performance of the fund. As you can imagine, in years when the fund doesn’t make money, these fees only magnify losses. Figure 1: Structure of Mutual Fund A mutual is a set up in the form of trust, which has sponsor, trustee, assets management company (AMC) and custodian. Sponsor is the person who acts alone or in combination with another body corporate and establishes a mutual fund. Sponsor must contribute at least 40% of the net worth of the investment managed and meet the eligibility criteria prescribed under the Securities and Exchange Board of India (Mutual Funds) regulations, 1996. The sponsor is not responsible or liable for any loss or shortfall resulting from the operation of the schemes beyond the initial contribution made by it towards setting up of Mutual Fund. The Mutual Fund is constituted as a trust in accordance with the provisions of the Indian Trusts Act, 1882 by the Sponsor. Trustee is usually a company (corporate body) or a board of trustees (body of individuals). The main responsibility of the trustee is to safeguard the interest of the unit holders and also ensure that AMC functions in the interest of investors’ and in accordance with the Securities and Exchange Board of India (Mutual Fund) Regulations 1996 the provisions of the Trust deed and the offer Document of the respective schemes. The AMC is appointed by the Trustees Pritam P. Kothari Shivganga C. Mindargi as the investment Manager of the Mutual Fund. The AMC is required to be approved by SEBI to act as an asset management company of the Mutual Fund. The AMC if so authorized by the Trust Deed appoints the Registrar and Transfer Agent to agent the mutual fund. The registrar processes the application form, redemption requests and dispatches account statements to the unit holders. The Registrar and Transfer agent also handles communications with investors’ and updates investor records. REVIEW OF LITERATURE Lenard et., al. (2003) empirically investigated investor’s attitudes toward mutual funds. The results indicate that the decision to switch funds within a fund family is affected by investor’s attitude towards risk, current asset allocation, investment losses, investment mix, capital base of the fund age, initial fund performance, investment mix, fund and portfolio diversification. The study reported that these factors are crucial to be considered before switching funds regardless of whether they invest in non-employer plans or in both employer and non-employer plans. Bollen (2006) studied the dynamics of investor fund flows in a sample of socially screened equity mutual funds and compared the relation between annual fund flows lagged performance in SR funds to the same relation in a matched sample of conventional funds. The result revealed that the extra-financial SR attribute serves to dampen the rate at which SR investors trade mutual funds. The study noted that the differences between SR funds and their conventional counterparts are robust over time and persist as funds age. The study found that the preferences of SR investors may be represented by conditional multi-attribute utility function (especially when SR funds deliver positive returns). The study remarked that mutual fund companies can expect SR investors to be more loyal than investors in ordinary funds. Walia and Kiran (2009) studied investor’s risk and return perception towards mutual funds. The study examined investors perception towards risk involved in mutual funds, return from mutual funds in comparison to other financial avenues, transparency and disclosure practices. The study investigated  problems of investors encountered with due to unprofessional services of mutual funds. The study found that majority of individual investors doesn’t consider mutual funds as highly risky investment. In fact on a ranking scale it is considered to be on higher side when compared with other financial avenues. The study also reported that significant relationship of interdependence exists between income level of investors and their perception for investment returns from mutual funds investment. Saini et., al. (2011) analyzed investor’s behavior, investors’ opinion and perception relating to various issues like type of mutual fund scheme, its objective, role of financial advisors / brokers, sources of information, deficiencies in the provision of services, investors’ opinion relating to factors that attract them to invest in mutual and challenges before the Indian mutual fund industry etc. The study found that investors seek for liquidity, simplicity in offer documents, online trading, regular updates through SMS and stringent follow up of provisions laid by AMFI. Singh (2012) conducted an empirical study of Indian investors and observed that most of the respondents do not have much awareness about the various function of mutual funds and they are bit confused regarding investment in mutual funds. The study found that some demographic factors like gender, income and level of education have their significant impact over the attitude towards mutual funds. On the contrary age and occupation have not been found influencing the investor’s attitude. The study noticed that return potential and liquidity have been perceived to be most lucrative benefits of investment in mutual funds and the same are followed by flexibility, transparency and affordability. STATEMENT OF THE PROBLEM Mutual funds have their drawbacks and may not be for everyone. No investment is risk free. If the entire stock market declines in value, the value of mutual fund shares will go down as well, no matter how balanced the portfolio. A Study of Investors Attitude towards Mutual Fund with Special Reference to Inversotrs in Solapur City Investors encounter fewer risks when they invest in mutual funds than when they buy and sell stocks on their own. However, anyone who invests through a mutual fund runs the risk of losing money. All funds charge administrative fees to cover their day-to-day expenses. Some funds also charge sales commissions or â€Å"loads† to compensate brokers, financial consultants, or financial planners. When he invests in a mutual fund, they depend on the fund’s manager to make the right decisions regarding the fund’s portfolio. If the invests in Index Funds, they foregoes management risk, because these funds do not employ managers. Though these are the problems in the investment of mutual funds, in the recent days most of the investors preferred to invest their funds on mutual funds. In this background, the research has made an attempt to study the investors’ preference for mutual funds in Solapur City. LIMITATIONS OF THE STUDY The present study is based upon the results of survey conducted on 200 mutual fund investors. The implications of the study are subject to the limitations of sample size, psychological and emotional characteristics of surveyed population. SCOPE OF THE STUDY This paper provides Future of Mutual Funds industry information as well as awareness level amongst people for Mutual Funds. Also this project report of Mutual Funds gives an outlook to management as to how the mutual funds are performing in the current market situation as a result what may be the future of this industry. This paper on mutual funds is informative the students who want to understand and undertake assignments in the industry. This study also facilitates the general people who can understand the importance and explore the new option for investment in Mutual Funds. Different financial institutions provide services that are both complementary to and competitive with each other. A well built financial system directly contributes to the growth of the country. RESEARCH METHODOLOGY This study is descriptive in nature based on survey method. The study aims at finding out the attitude of the investors towards investment in mutual funds in Solapur city. This study was based mainly on primary sources. The primary data was collected from the investors of mutual funds with help of the questionnaire. The secondary data were collected from the books, records and journals. By adopting convenience sampling, 200 respondents were selected for this study. The essential data were collected with the help of questionnaire. The data collected from the period of January 2011 to April 2011. DATA ANALYSIS AND INTERPRETATION Figure: 2 Showing Pattern of Investment Pritam P. Kothari Shivganga C. Mindargi From above figure it is clear that 75% investors are invested in open ended schemes where as 15% invested in closed ended schemes in mutual fund. Figure: 3 Reason for Investment in Mutual Fund From above figure it is clear that and 42% investors say that they invested money in mutual fund for tax assumption. 33% investors say that they invested money in mutual fund for higher returns. 16% investors say that they invested money in mutual fund for value creation in fund. 9% investors say that they invested money in mutual fund for other reason. Figure: 4 Showing the Reason of Investors that not Invested Money in Mutual Fund From above figure is clear that 50% investors say that they not interested to invest money in mutual fund. 33% investors say that they have imperfect knowledge in mutual fund, so they are not invested. 8.5% investors say that they invested in govt. bond. 8.5% investors has other reason so they not invested money in mutual fund. Figure: 5 Showing Type of Investment Investors Should be Preferred A Study of Investors Attitude towards Mutual Fund with Special Reference to Inversotrs in Solapur City From above figure it is clear that investors invest money in fixed deposits. 15 25% investors invest money in gold/real estates. 17% investors invest money in mutual fund. 8% investors invest money in bond/debentures. Remaining 17% investors invest money in shares. Figure: 6 Showing Returns Investor get from their Investment From above figure it is clear that 70% investors are gaining 5-15% returns from their investment. 23% are gaining 15-30% returns from their investment. 5% investors are gaining 30-45% returns from their investment. Remaining only 2% investors is gaining above 45% returns from their investment. Figure: 7 Showing Duration of Investment From above it is clear 80% investors are dealing in short term duration whereas 20% investors are dealing in long term duration. Figure: 8 Showing the Investors Experience in Mutual Fund Pritam P. Kothari Shivganga C. Mindargi From above figure it is clear that 73% investors say that they are having bad experience in mutual fund. 12% investors say that they are having good experience in mutual fund. Remaining 15% investors say that their experience is ok. FINDINGS AND SUGGESTIONS Findings †¢The trend for investment is changing rapidly besides the traditional pattern of investment and people today they are ready to undertake risk and also bear the volatility of changing mutual fund market scenario. †¢This shows that people with Middle Income Group are more attractive this market and are ready to bear the risk. †¢It is observed that 75% investors have invested open ended schemes that they want higher returns on their investment rather than investing in closed ended schemes in mutual fund. †¢It is observed that 42% investors have invested money for tax assumption.33% investors have invested money for higher returns in their investment.16% investors have invested money for value creation in fund. And remaining 9% investors have invested money for other reason. †¢It is observed that 50% investors have not interested to invest money in mutual fund.33% investors have imperfect knowledge so they not invested money in mutual fund.9% investors find govt. securities bond is better that’s way they not invested money in mutual fund. And remaining 8% investors have other reason so they not invested money in mutual fund. †¢It is observed that more businessmen were inclined towards investing in current account. The ladies were inclined to invest their money in Gold and jewelleries. Service class people and retired class people prefer more saving and fixed deposits People with high income. †¢It is observed that 70% investors have invested to getting returns in the range of 5-15% which shows in short span of time they are getting good returns and more than expectations. †¢It is observed that 80% investors have invested in short term duration which indicates the investors have not ready to invest in long term period due to various risks associated with long term duration of investment. †¢On asking how they get knowledge of mutual fund a large number of them attributed to print media. Even banks today follow the role of the investment advisors. Very few get any information from the e-media or Hence, AMCs must increase the awareness about their product through Electronic media (TVs, Cables, Radios etc.) as well as and should not just constrained itself to the print advertisement those who do not read newspaper. SUGGESTIONS Investor’s Point of View The question that entire customer, irrespective of the age group and financial status, think of is- Are mutual funds are a safe option? What makes them safe? The basis of mutual fund industry’s safety is the way the business is defined and regulation of law. Since the mutual fund invests in the capital market instruments, so proper knowledge is essential. Hence the essential requirement is well informed seller and equally informed buyer who  understands and helped them to understand the product (here we can say the capital market and the money market instruments) is the essential preconditions. A Study of Investors Attitude towards Mutual Fund with Special Reference to Inversotrs in Solapur City Being Prudent Investor One Should †¢Ask one’s agent to give details of different schemes and match the appropriate ones. †¢Go to the company records or the fund house regarding any queries if one is not satisfied by the agents. †¢Investors should always keep an eye on the performance of the scheme and other good schemes as well which are available in the market for the closed comparison. †¢Never invest blindly in the investments before going through the fact sheets, annual reports etc. of the company. Since, according to the Guidelines of SEBI The AMCs are bound to disclose all the relevant data that is necessary for the investment purpose of investors. Company’s (Mutual Fund Companies) Point of View  Following measures can be taken by the company for getting higher investments in the mutual fund schemes: †¢Educate the agents or the salesmen properly so that they can take up the queries of the customer effectively. †¢Set up separate customer care divisions where the customers can anytime pose their query, regarding the scheme or the current NAV etc. These customer care units can work out in accordance with the requirements of the customer and facilitates them to choose the scheme that suits their financial status. †¢Conduct seminars or programs about mutual fund where every information about the product is outlined including the risk factor associated with the different classes of assets. †¢Brokers should reduce the brokerage charges for intra day and delivery based so that the investor can save more amounts to generate extra investment for the investor as well as for the Mutual Fund companies. †¢Mutual Fund companies should try to increase the promotion and advertisement strategies for awareness of Mutual fund in solapur city. CONCLUSIONS The mutual fund industry is growing at a tremendous pace. A large number of plans have come up from different financial resources. With the stock markets oaring the investors are attracted towards these schemes. Only a small segment of the investors still in Mutual Funds and the main source  sources of information still are the financial advisors followed by advertisements in different media. The Indian investors generally invest over period of 2-3 years. Also there is a tendency to invest in fixed deposits due to the security attached to it. In order to excel and make mutual funds a success, companies still need to create awareness and understand the psyche of the Indian customer. REFERENCES Agapova, Anna, 2011, „The Role of Money Market Mutual Funds in Mutual Fund Families , Journal of Applied ‟ 1. Finance, Vol. 21, Issue. 1, pp. 87-102. Agarwal, Vikas; Boyson, Nicole M.; Naik, Narayan Y, 2009, „Hedge Funds for Retail Investors? An Examination of Hedged Mutual Funds , Journal of Financial Quantitative Analysis, Vol. 44, Issue 2, pp. 273-305. ‟ 2. 12 Pritam P. Kothari Shivganga C. Mindargi 3. A. Vennila, R. Nandhagopal(2012) â€Å"Investors’ Preference towards Mutual Funds in Coimbatore City European Journal of Social Sciences ISSN 1450-2267 Vol.29 No.1 (2012), pp. 115-125 4. Binod Kumar Singh (2011) â€Å"A Study on Investors’ Attitude towards Mutual Funds as an Investment Option† JOURNAL OF ASIAN BUSINESS STRATEGY, VOL. 1(2): 8-15 5. Badrinath, S.G Gubellini, S, (2011), „On the characteristics and performance of long-short, market-neutral and bear mutual funds , Journal of Banking Finance, Vol. 35 Issue 7, pp.1762-1776. ‟ 6. Dranikoff L, Koller, T. and Schneider, A, â€Å"Divestiture: Strategy’s Missing Link†, Harvard Business Review, May 2002, 80 (5). 7. Dr.Nishi Sharma (2009) â€Å"Indian Inverstors Perception towards mutual funds† Business Management Dynamics Vol.2, No.2, Aug 2012, pp.01-09 8. Gil-Bazo, Javier; Ruiz Verd, Pablo, 2009, „The Relation between Price and Performance in the Mutual Fund Industry , Journal of Finance, Vol. 64, Issue 5, pp. 2153-2183. ‟ 9. Hansen M and Nohria N, â€Å"What’s your Strategy for Managing Knowledge?† Harvard Business Review, MarchApril, 1999, 77 (2).1 10. Journal of Marketing, 32 (October), 65-68, 1968. 11. Rajeswari, T.R., and V.E. RamaMoorthy, 2001, An Empirical Study on Factors Influencing the Mutual Fund Scheme Selection by Retail Investors . Retrieved on May 2010 http://www.utiicm .com/Cmc/PDFs/ ‟ 2001/rajeswari.pdf. 12. Singh, Chander, 2004, „Performance of mutual funds in India – an empirical evidence , ICFAI journal of applied ‟ finance December, pp. 81-98. 13. Subbash C. Jain, â€Å"Marketing Planning and Strategy†, South Western College Publishing, Sixth Edition, 2000. 14. Singh, B. K. and Jha, A.K. 2009, „An empirical study on awareness acceptability of mutual fund , Regional ‟ Student s Conference, ICWAI, pp. 49-55. ‟ 15. Winer, C. Strategic Thinking: An executive Perspective, Upper Saddle River, Prentice Hall, 2000