...| Introductory Paper | Inside job documentary | | Mouna Jama Ali Osman | 10/19/2013 | | The movie "Inside Job" gives a deep look at the financial crisis as it discusses the reasons of the global financial crisis that has cost people's money, their houses and property and also their jobs. The movie begins with one of the most famous examples that affected by the crisis which is Iceland. Notably by their nature, picturesque view and a strong economy, Iceland began the deregulation policy which would cause major problems in the environment and the economy. When the financial crisis happened, the government was owed billions of money as debt and lots of people lost their money and jobs. The movie then went to explain the roots of the problem as the crisis was actually doing not happened suddenly but began thirty years ago at the former President Reagan’s era. He reorganized investment laws and reduced suppression to allow the saving and loan companies to make riskier investments with their customer’s money. As the deregulation was implemented, the illegal activities that are done by the biggest financial companies was increasing such as money laundry, customers defraud and etc. The legal and legislative lenient were the reason to create new and suspicious products called derivatives which would have a bad effect in the economy. Using derivatives, they can gamble on anything even in bankruptcy of the company and failure of investment. Although there were attempt...
Words: 1449 - Pages: 6
...I. INTRODUCTION Pott’s disease is a presentation of extrapulmonary tuberculosis that affects the spine, a kind of tuberculous arthritis of the intervertebral joints. Scientifically, it is called tuberculous spondylitis. Pott’s disease is the most common site of bone infection in TB; hips and knees are also often affected. The lower thoracic and upper lumbar vertebrae are the areas of the spine most often affected. Pott's disease, which is also known as Pott’s caries, David's disease, and Pott's curvature, is a medical condition of the spine. Individuals suffering from Pott's disease typically experience back pain, night sweats, fever, weight loss, and anorexia. They may also develop a spinal mass, which results in tingling, numbness, or a general feeling of weakness in the leg muscles. Often, the pain associated with Pott's disease causes the sufferer to walk in an upright and stiff position. Pott’s disease is caused when the vertebrae become soft and collapse as the result of caries or osteitis. Typically, this is caused by mycobacterium tuberculosis. As a result, a person with Pott's disease often develops kyphosis, which results in a hunchback. This is often referred to as Pott’s curvature. In some cases, a person with Pott's disease may also develop paralysis, referred to as Pott’s paraplegia, when the spinal nerves become affected by the curvature. The disease progresses slowly. Signs and symptoms include: back pain, fever, night sweats, anorexia, weight loss, and...
Words: 690 - Pages: 3
...Recommendation Memo Team B Introduction Shao’s Children Wear is geared to expand international market share, into the US market as one of the first target for international penetration in children’s clothing. Shao’s Children Wear has a current cash flow of $30 million, of which $24 million will be budgeted for US market expansion. This segment of the cash flow is budgeted for capital investment in new equipments and new facilities, as well as adding more workers and managers. Shao’s Children Wear weights the priority in selection of the portfolio on alignment of strategic objective and equally with return on investment as we want to expand to US market and targeting to increase additional $50 million worth of company capital and assets. With the new Product D introduced, the total budget of $25.5 million would exceed current funding of $24 million from the Strategic Business Unit. To reduce budget allowance and avoid over expanding Chao’s Children Wear capacity, it is important to review current portfolio to establish the best value for the company. There are a number of ways to consider. The portfolio selection process was re-evaluated. Project priorities were reclassified (see below). Product line D is recommended to include as the second in project priority in the product portfolio with Line B, which was at the second level and now moved to the fourth level in project priority. Additional ideas with streamlining processes or cut down expenses using Six...
Words: 332 - Pages: 2
...Introduction Dengue fever has become a common problem in the typical community. Its main cause being the clogged drains, unsanitary canals, and polluted surroundings. In these environments, the insect spreading dengue, Aedes aegypti, thrives. The researchers decided to focus on the root cause of the disease. The researchers would like to find an alternative, more economical method of exterminating them in their breeding places other than commercial insecticides. And in this pursuit to find a substitute, the researchers came across the guava fruit (psidium guajava), which had promising properties. (insert stuff about why we chose guava blahblah about properties….. use RRL for info.) The guava fruit was collected, osterized, soaked in ethyl alcohol, concentrated and evaporated to obtain a semi-solid extract. There were six blocks for replicates, five groups with 100mL water and different guava extract concentrations each – 3%, 5%, 8%, 12.5%, and 15% - and commercialized larvicide as positive control and one setup with dechlorinated water with 1mL ethanol. The commercial larvicide proved to be the most effective, but the guava extracts also have a positive effect on the larvae, though minimal. The study should be able to aid in the reduction of health problems brought about by Aedes aegypti. It may also help the community in controlling the mosquito population at an early stage by means of an eco-friendly larvicide. Not only will it be eco-friendly, it will also...
Words: 258 - Pages: 2
...Continuing Academic Success Raul Alvarez Gen 200 February 2 2015 University of Phoenix Continuing Academic Success Some people don't go directly to a traditional college right after high school, or like me, some do and find out it's not for them. After having years in the work force without a degree, we know that if wewant to move up in our careers or obtain our dream job; a college degree is preferred. However, once we return to school, we're not in a student mentality anymore. Especially having a full-time job with, or without, having to support a family. For this reason, being academically successful comes with various steps that involve setting goals, learning styles, writing process, resources and having integrity. Setting goals can give you a long-term vision and short-term vision. In other words, an educational and career goal. It focuses on your acquirement of knowledge and helps you to organize your time and your resources so that you can make the very most of your life on how you planned it. As a result, the first step is to have an education goal. It’s always great to have an educational goal that will lead you to your career goal. For example, my educational goal is to obtain a bachelor's degree in Organizational Security and Management. The reason I set that as my educational goal is because my career goal is to become a peace officer (law enforcement officer) and then transition over to an air marshal when I obtain sufficient experience. Many of...
Words: 1093 - Pages: 5
...My goal is to obtain a Master’s Degree in Nursing. Nursing is my passion. Caring for patients and being employed by the same hospital for over 37 years has afforded me many opportunities to care for clients and work with numerous employees. I have held several positions. My knowledge and skills in all areas of nursing have given me an overall review and preview of all phases of nursing. I have enjoyed, most of all my years in the Intensive Care Units. As a nursing coordinator/supervisor, I became acquainted with other areas of the hospital such as the long term care areas, psychiatric area, the emergency room and many of the diagnostic areas. My short term goal is to map out time to study and focus on obtaining this degree. I will work hard on my time management. I spend extended hours at work. I have worked with many healthcare providers. I am currently assigned as a manager of one of the most active medical units in our facility. I am also serving on several councils and chairing one of the most active ones. I enjoy being with the grass root staff and serving as educator, preceptor, coach and mentor to other nurses. I have been excited working with student nurses rotating on my clinical areas and recent nursing graduates. My caring, compassion and commitment is to nursing. I have chosen the Health Care Systems Management program because of the numerous years I have functioned in some phase of management. Perhaps, in the future years after obtaining a degree...
Words: 307 - Pages: 2
...Negara-negara Asia Selatan mengikuti mengganti strategi impor industrialisasi dan antara ekonomi global terpadu di dunia. Sejak pertengahan 1980-an, sebagian besar negara di wilayah ini pindah dari berorientasi ke dalam kebijakan ekonomi dan mengadopsi strategi pembangunan yang berdasarkan pada orientasi ekspor dan liberalisasi kecuali Nepal. Negara-negara Asia Selatan saat ini secara lebih global terpadu daripada mereka pada tahun 1995. Pembentukan WTO adalah salah satu faktor yang memotivasi di balik kebijakan ekonomi terbuka di negara-negara ini. Secara luas diyakini oleh para pembuat kebijakan bahwa WTO akan ada kemajuan besar dari pendahulunya GATT (General Agreement on tarif dan perdagangan) dan pengenaan sistem trading multilateral yang baru akan membantu negara-negara berkembang untuk mengejar pertumbuhan ekspor. Ada tiga alasan utama. Pertama, di WTO pertanian dibawa untuk pertama kalinya di bawah lingkup efektif sistem perdagangan multilateral. Itu diyakini pada waktu itu bahwa aturan WTO baru akan membawa perubahan struktural dalam perdagangan pertanian global dan produsen pertanian yang lebih efisien akan berdiri untuk memperoleh manfaat dari perjanjian WTO. Kedua, sebelum WTO, akses pasar untuk produk tekstil di negara-negara maju yang dibatasi dengan sangat ketat Multi serat perjanjian (MFA), yang memungkinkan negara-negara maju secara selektif memaksakan kuantitatif pembatasan atas impor tekstil dan pakaian dari negara-negara berkembang. Hal ini diproyeksikan...
Words: 551 - Pages: 3
...Introduction An organizational design specifies and describes the formal and the informal structures and processes within an organization through which the organization pursues its mission and objectives. An organizational design, thus, is the framework within which an organization functions. Both internal forces and external forces influence the character of an organization’s design. An organizational design tends to be defined in terms of structure, processes, and size (Chatain & Zemsky, 2007; Knoll, 2007; Zismer, 2011). The findings of a description and an assessment of organizational design of a group practice family medicine clinic are presented in this paper. The description and assessment include the identification of the internal forces and the external forces that have influenced the nature of the organizational design of the clinic. The effects of these forces on organizational structure, organizational processes, and organizational size are addressed in the paper. Specific consideration is given in the discussion to the effects of accountability mandates on the organizational design of the clinic. The Internal Forces and the External Forces Affecting the Organizational Design of the Clinic The external forces that act on the organization in this case, a group practice family medical clinic, exerted a greater effect on reshaping the organizational design of the practice than has been true of the internal forces that also drive changes in...
Words: 687 - Pages: 3
...Introduction (All the content of this study has been taken mainly from the Company Annual Reports and Reviews 2001-2006). The aim of this study is to look at the effect of changes occurring in the global and/or regional economic environment on the multinational operations of “Unilever” during the period 2001-2006. The global and regional environment is passing through tremendous changes since the start of the year 2000. Globalisation, deregulation, financial liberalisation, economic reforms, advances in technology, enhanced activities of merger and acquisitions (M&As), launch of the euro as a single currency, changing corporate governance, etc amid financial crises such as recessions following the event of 9/11 etc all have affected the operations of Unilever. These all have led to more accommodating monetary and fiscal policies in the East Asian economies, lowering interest rates in USA and Europe, liquidity expansion, and fiscal and aid packages introduced by Japan which in turn have helped to improve these conditions (UNCTAD, 2006). What are the effects of these changes in the global and regional economic environment on inflation and interest rates? How has it affected the business operations, management structure, etc of Unilever? What kind of exchange rate exposures impacted Unilever and how has it managed these exposures while operating as a multinational corporation (MNC)? Did Unilever expand its operations during the period of study? How does Unilever finance its short-term...
Words: 3329 - Pages: 14
...Submitted by: Group 4 (1FM1) Cureg, Cherry Gonzales, Kristine Joy Lanado, Miller Sur, Karen Tabor, Rhonna Mae Tolete, Judith INTRODUCTION Education is one of the most important things in life. People always seek and aim for a higher quality of education. That is why the Government is making ways to raise the literacy rate in the country. The Government support schools with textbooks which students can use in studying. Books are the first source of information that is known. Books have been used at the start of one’s study when he/she was around five to six years old at preschool. Textbooks and reference books are very reliable because these are usually written by people who have established their credentials in the field and are reviewed by other experts in the field during the editing process.1 Since a student find books a hassle, being a heavy load when carrying to and from school, he/she tends to find other medium that can be very useful not only like a book for a reference, but also for other activities that are related to his/her study. And since this generation is called "Computer Age”, people are very dependent to gadgets and electronic devices. They see these as more functional than books. They realize that electronic devices has the ability of giving them a larger source of information in a faster way. What is Gadget? Simply, a small useful device. A gadget is a small tool such as a machine that has a particular function, but...
Words: 1432 - Pages: 6
...INTRODUCTION Whether you’re shopping for the holidays or for everyday items, you see a lot of price tags. While consumers probably don’t stop to consider the pennies on the price tags but a lot of businesses had been doing this practice called the ‘left digit effect’ on psychology of pricing. For example, in the market today, most goods are ending in Php 0.99 or in Php 99.00 regardless of its tenths or hundredths digit. This is supposed to suggest that the consumers are getting the best possible price or the item has been marked down. This doesn’t say that consumers are fooled, but although they can always round it off to the nearest tenths or hundredths, for some reason the consumers are compelled to buy thinking this could be a bargain even if they’re conscious of the said tactic. Though most businesses apply the left digit effect to engage more consumers to buy their products, some don’t utilize this strategy and the prices of the goods end in zeroes. In places like expensive restaurants or jewelry stores, products are often rounded off in the nearest hundreds or thousands because they portray to the consumers luxury and class. The message is clear that they are at the wrong place if they expect a change from the said store. We are surrounded by numbers every day and these numbers affect our mind. And every day we make decisions whether we are conscious of it or not. This research will explore what is called the ‘left digit effect’ and discover what influences people when...
Words: 277 - Pages: 2
...March 11, 2013 Introduction to Hypothesis Testing 1. Reminder: We have been finding probabilities related to given sample means based on given population means and standard deviations A. Example: what is the probability of finding a sample mean that is further from the population mean than this sample mean is? B. Why ask this question? - maybe this sample actually came from a population with a DIFFERENT mean - if so, we’d say the difference between our sample mean and population mean is “significant” – i.e., not due to random chance 2. Formalizing this logic… Statistical hypotheses A. The Null Hypothesis: H0 - states that there is NO difference between population means - this is like saying that any difference in sample means is due to chance - we always start by assuming this (like “innocent until proved guilty”) B. The Alternative Hypothesis: H1 - states that there IS a difference between population means - this is what we conclude when a difference is too unlikely to happen by chance C. How unlikely is TOO unlikely? - we set a cut-off point: the alpha level (α) - the alpha level marks the extreme parts of the distribution: the critical region - the critical region is usually the extreme 5% - if the sample mean is in the critical region, we reject the null hypothesis (guilty) - otherwise we accept the null hypothesis (not guilty) 3. Hypothesis testing with z-scores: scenario A. Set-up: - You know the mean and standard deviation of some population (Population A) - You also have...
Words: 334 - Pages: 2
...Drug-Induced Osteoporosis: A Review of Medications That Affect Bone Mineral Density Drug-induced osteoporosis is common and may result in significant morbidity and mortality for patients. The World Health Organization (WHO) has defined osteoporosis as bone density less than 2.5 standard deviations (SD) of the mean gender-matched, young healthy population (T-score at or below -2.5). Osteopenia is defined as loss of bone with T-score between -1 and -2.5.1 Many drugs have the potential to decrease bone mineral density (BMD). TABLE 1 lists the agents discussed in this lesson. Most of the disease states that are treated with these drugs also predispose the patient to low BMD, so the medication may be adversely affecting an already compromised bone structure.2 The most significant consequence of low BMD is a fracture.3 [pic] Bones provide support for movement, protect vital organs, and are the largest repository for calcium and other minerals.3 Ninety percent of the body's calcium is in the skeleton.4 Bone is constantly being remodeled, with old bone being resorbed and new bone forming.4,5 The rate of annual calcium turnover is 100% in infants and 18% in adults. The cycle of bone resorption and consequent formation is approximately 100 days.4 Process of Bone Remodeling Bone remodeling is a complex, highly orchestrated process involving the balance of many factors. The cycle of bone remodeling occurs in stages, beginning with the formation of osteoclasts, bone resorption (by osteoclasts)...
Words: 1638 - Pages: 7
...Introduction The Indian Financial Institutions Sector The Indian Financial sector is still dominated by Bank intermediation. Though the size of Capital market has started expanding significantly from the early 1990s, bank intermediation remains the dominant feature. The market capitalization as a percentage of GDP in India is $ 1.03 trillion, which is about 90% of the GDP, while countries like Hong Kong (525% of GDP), Singapore (221%) are way ahead. India s Bond market capitalization also remains low at 50 % (McKinsey report) with the corporate bond market way behind the government debt market. The bank deposits account for 52% of the GDP, and about three fourth of the total assets of the financial system. (Paper by Wharton publications on financial systems in India, 2007). The Non Banking sector, including the Mutual funds, Non Banking Financial Companies, Insurance companies and Other Financial institutions account for over 30% of the Financial Sector’s assets. This adds up to about 26 lakh crore in assets (2008-09-FSAP). According to The Financial Development index-2008, India scores better in Financial intermediation through Non-Banks ranking 16th, compared to a rank of 50th in terms of Banks. India ranks better in terms of capital access comparable to Japan, in spite of much lower assets/GDP comparatively. Classification of Financial institutions The Financial institutions in India can be broadly classified into the categories as listed in the representation...
Words: 1498 - Pages: 6
...Is it smart to mess with the past? If you wanna change something in the past, you can change many things in the future. The choices you make can effect your future. It can make a huge impact of what you do in your future. Like in the story, “A Sound of Thunder” by Ray Bradbury going back in the past can jeopardize the future even if you try to change on little thing. “Who controls the past controls the future,” said George Orwell. When you don't follow the rules it can cause many changes in your future. When people make choices, either good or bad, it effects your future in different ways and thats where you make choices. If you make a bad choice or decision you won't have a good result. Everything you do has to have a consequence even if its good. In “Back to the Future,” Marty accidentally goes back in the future and meets his mom and she falls in love with him and he tried to get his dad and mom back together in the past and he has try and fix things before he disappears. You are made wise not by the recollection of your past and yet ceaselessly pull away from it. Most kids think about about what if they had a different life, but if they did they would be a completely different person. You can't change the the past, but you can make an effort to make the future look better. Looking back at your past you will see that there are some bright times and some that aren't to bright. Its natural to think about the choices you made in the past. You wonder what if you made a...
Words: 412 - Pages: 2
