Free Essays on Action That Leads To Satisfaction

Action that Leads to Satisfaction As Herbert Spencer eloquently puts it â€Å"The great aim of education is not knowledge but action.† Aspiring students for universities begin and plan their future long before applications are sent in. There are many intelligent people, who lack degrees and bachelors, that do not live financially stable. To reach the full potential of an education and live financially stable, students must make sacrifices and important decisions. Such decisions that are well deliberated and sacrifices that put work before play. In the long road to success, those judgments create responsible habits and a steady future. A student with goals in mind carries a confident attitude. As soon as a student is willing to educate himself, he can act in response to future goals. Many characteristics of a leader, are the same that are found within a dedicated student. Patience, responsibility, and self-determination are the essentials to maintaining a positive frame of mind. It is extremely important that the parents take an active role in the child‘s learning and instill good study habits and influence a child to learn. Within the first five years, the child begins and learns the rudiments of an education. This attitude is carried with the child throughout his academic career. The process of becoming well educated is long and tedious, and begins around the time the student steps foot into middle school. While there, more independence is given to the student with the options of choosing from a catalog of courses. Electives can provide a creative outlet, such as art and music, or can help you in t he business world internationally, such as Spanish or French. In high school, students study long and work hard to be accepted into the university of their choice. High school students actively participate to plan out their future. Students are well aware of what the requirements are for certain colleges and what is ne... Free Essays on Action That Leads To Satisfaction Free Essays on Action That Leads To Satisfaction Action that Leads to Satisfaction As Herbert Spencer eloquently puts it â€Å"The great aim of education is not knowledge but action.† Aspiring students for universities begin and plan their future long before applications are sent in. There are many intelligent people, who lack degrees and bachelors, that do not live financially stable. To reach the full potential of an education and live financially stable, students must make sacrifices and important decisions. Such decisions that are well deliberated and sacrifices that put work before play. In the long road to success, those judgments create responsible habits and a steady future. A student with goals in mind carries a confident attitude. As soon as a student is willing to educate himself, he can act in response to future goals. Many characteristics of a leader, are the same that are found within a dedicated student. Patience, responsibility, and self-determination are the essentials to maintaining a positive frame of mind. It is extremely important that the parents take an active role in the child‘s learning and instill good study habits and influence a child to learn. Within the first five years, the child begins and learns the rudiments of an education. This attitude is carried with the child throughout his academic career. The process of becoming well educated is long and tedious, and begins around the time the student steps foot into middle school. While there, more independence is given to the student with the options of choosing from a catalog of courses. Electives can provide a creative outlet, such as art and music, or can help you in the business world internationally, such as Spanish or French. In high school, students study long and work hard to be accepted into the university of their choice. High school students actively participate to plan out their future. Students are well aware of what the requirements are for certain colleges and what is ne...

Future-in-the-Past Tense in English Grammar

Future-in-the-Past Tense in English Grammar In English grammar, the future-in-the-past is the use of would or was/were going to to refer to the future from the perspective of some point in the past. As illustrated below, other verbs in the past progressive can also be used to convey this future-in-the-past perspective. Also known as: Prediction in the past Examples and Observations: Matilda stretched herself out, feeling her bones getting longer and longer. In a little while she would be taller than Frances, maybe one day even taller than Elizabeth. Maybe one day she would be the tallest woman in the world and she could join a circus.She was sure that Boyne would never come back, that he had gone out of her sight as completely as if Death itself had waited that day on the threshold.He had not believed her when she said they would meet only once.Fred Ballard, a local playwright friend of my mother, told her that I should go to his alma mater, Harvard and that he would make inquiries on my behalf, which he did without success. Use of Be Going to [T]he future-in-the-past...  is used where the speaker wishes to refer to a past time at which a particular event was still in the future, even though now, at the moment of speaking, it is past. This particular combination frequently makes use of the semi-modal expression be going to since this is readily marked for the past. It is frequently used where some anticipated event does not occur or an expectation is canceled. Consider these examples: I was going to tell him, but he didnt give me a chance.I thought we were going to eat out tonight.She was going to qualify next year, but now it will take longer. Use of the Past Progressive When an arranged-future-in-the-past (or rather arranged-future-from-the-past, as it is a future relative to the time of a past arrangement) concerns a personal arrangement, we normally use the progressive form of the past tense. This parallels the use of the present progressive for arranged post-present situations. [Mary and Bill were stuffing a goose.] They were having guests that evening.[There was no point in inviting the Robinsons, as] they were leaving the day before the party.[The man was very nervous.] He was getting married that morning.[I didnt call him up to tell him the news because] I was going to his office the next day. The use of the progressive past is possible even if the context makes it clear that the action planned was not actually performed. Relative Tenses Relative tenses represent deictic tenses. . . . Thus had sung is the past-in-the-past, has sung the past-in-the-present, and will-have-sung the past-in-the-future. Similarly, would sing is the future-in-the-past, is (about) to sing the future-in-the-present, and will be (about) to sing the future-in-the-future. Coincident (relatively present) tenses are ignored by many contemporary theorists, though Lo Cascio (1982: 42) writes of the imperfect, which is considered in traditional grammar a present-in-the-past, as a past coincident tense. Sources Robert I. Binnick, Temporality and Aspectuality.  Language Typology and Language Universals: An International Handbook, ed. by Martin Haspelmath. Walter de Gruyter, 2001.Joseph L. Cacibauda,  After Laughing, Comes Crying: Sicilian Immigrants on Louisiana Plantations. Legas, 2009.Renaat Declerck, Susan Reed, and Bert Cappelle,  The Grammar of the English Tense System: A Comprehensive Analysis. Walter de Gruyter, 2006Ursula Dubosarsky,  The Red Shoe. Roaring Book Press, 2006.Martin J.  Endley,  Linguistic Perspectives on English Grammar. Information Age, 2010Ted Sorensen,  Counselor: A Life at the Edge of History. Harper, 2008.Edith Wharton, Afterward, 1910.

Buying house is better than renting an apartment Term Paper

Buying house is better than renting an apartment - Term Paper Example Moreover, the residents do not have to worry about moving from one rented apartment to another, if the landlord decides to sell it or rent it out to someone else. Buying a house is also a favourable option due to the current economic situation. The dip in the property price has enabled many people to invest in a house, which is a far better option than renting an apartment. Keywords: buying, house, renting, apartment, property, investment, mortgage. Buying a House is the Winning Choice Did you know that you can purchase a house for $100k and have a mortgage of $900.00 dollars, which is less than average rent? According to World Time News Report, the national average two-bedroom fair market rent is â€Å"$928 a month† (2009). During the same year, the median sales price for those homes was $223,800; while the average sales price was $257,500, which is roughly about $800 per month. (Wyndham Capital Mortgage, Inc., 2009) This comparison of the average monthly rent and the average monthly instalment, in case of buying a house explains why buying a house is the winning choice. Buying a house is a long term investment; it gives financial security and a sense of ownership. Home ownership is not an easy task though; yet it is extremely beneficial in the long run in a number of ways. The current situation in real estate market gives one an optimum chance to invest in a house as, â€Å"home prices have fallen approximately 10% year-over-year in most markets...† (Lynn, 2009, p.5) Home ownership provides an investing advantage. Every payment one makes towards the mortgage, guarantees ownership. Any major updates or changes that one desires to make to the property will increase the value of the house. Under normal circumstances, home resale values tend to increase over the years. According to statistics provided by U.S Department of Housing and Urban Development, homes that were sold for $90k in 1990 are now worth about $150k; despite the fact that in 2005, th ose homes where at about $250k. (2011) It is a relatively easier way to buy a house by paying only 5% or as less as 3% down-payment of the total price. If a person has an FHA loan, which are secured and protected by the government, then buying a house becomes an easy process. This way, a person can get a slow-start and gain ownership. On the contrary, renting an apartment requires at least $3000 upfront- which is a lot of money! In other words, a house that is worth $100k can be purchased with $5000 down-payment and a monthly mortgage of about $950. However, the same house shall be rented for approximately $1200, exclusive of the initial deposit. Thus, buying a house is a viable option, particularly in the current economic situation and the state of the real estate market. Buying a house is considered as an opportunity to make profit out of the oscillating prices of the real estate market. A person can even get a chance to sell out the house if a potential buyer offers a higher pric e than the actual price at which it was bought. Thus, it proves to be a sound financial investment as contrasted with renting an apartment. Buying a house also gives a sense of financial security as one is aware of the fact that he/she shall have to pay the same amount of monthly mortgage for the nest thirty years. This is of high significance, as it allows the home owner to plan his savings and expenses, accordingly. On the

Gilmans Theory and Women in Patriarchy vs. Marxs Theory and Workers in Essay

Gilmans Theory and Women in Patriarchy vs. Marxs Theory and Workers in Capitalism - Essay Example Although Gilman claimed to be a humanist, she practically worked extensively to give modern feminism ample sociological grounds (Ritzer 2011; Allen 2009). Research Question Compare and contrast Gilman’s theory as to the oppression of women in patriarchy with Marx’s theory as to how and why workers are oppressed under capitalism. What similarities do you see in their arguments? What are the differences in these two theories of oppression? Gilman’s Theory and Women in Patriarchy Gilman’s most effective and powerful scholarly work in the realm of gender and sexuality studies are perhaps her famous book Women and Economics: A Study of the Economic Relation between Men and Women as a Factor in Social Evolution (Gilman 1898). In this work, she has critically utilized Darwinism in a more socially constructive way and attempted to explain the intricacies of relationships between man and woman. She raised a question about not only the origins of humankind but also about the origins of gender roles, so as to find out that why domestic duties have been specified for women in general in all cultures and societies. She formulated an economic explanation of domestic economy. According to Gilman (1898), traditionally a woman was subjugated to use her sex organs as assets; on which she could further bank to impress her husband and get money to support herself and her children. So marriage is actually an arrangement of both sexual and economic subjugation of women in the male-dominated society. Relatively recently, scholars like MacKinnon (1982) also appear to be endorsing a similar perspective by claiming that women’s sexuality is not women’s own. Marx’s Theory and Workers in Capitalism According to Marx, the industrial capitalist society is clearly divided into two classes, where one class controls the means of production and the other class serves as workers. Oppression arises from the fact that the state becomes a managing co mmittee of the holders of the means of production. And in answering the question that why the workers are finally at the losing side, Marx holds that lack of political organization coupled with a powerful capitalist police state is responsible for the fact that the workers are finally at the receiving end of the system. (Brown 2012; MacKinnon 1982) Consequently, the working class is subjugated both politically and economically. The working class has to work hard and produce all the goods and products necessary for modern society. But they are so occupied with their economic plight that they are compelled to tolerate underpayment and injustice. In this way, they are alienated from their products and the surplus is accumulated by the rich landlords and factory owners.

Harvard Guide to Happiness, Freakonomics, Cant a Woman Be Einstein Essay Example for Free

Harvard Guide to Happiness, Freakonomics, Cant a Woman Be Einstein Essay The methods suggested from a research conducted over 10 years on 1,600 Harvard students are relevant today more than ever. The global trend of shift in workforce from manufacturing to white collar work necessitates workers obtain higher degrees of education. Individuals with higher education degree are more equipped with the capacity to better manage given tasks of the service sector employing analytical thinking. Workforce comprised of such highly educated individuals enhances competitiveness in the increasingly complex global economy. Thus the value of individual academic pursuit is critical in sustaining economic development of a nation. Assuming that students furthering their studies decide based on freewill, keeping students motivated is the key to encouraging them to pursue higher education. Basing on the results from the study, increasing interaction among the various elements within the school system such as faculty and peer-students propel students to achieve higher grades, become more intellectually engaged and increase their overall happiness. An NBER study of a group of Kenyan girls in 69 primary schools comparing those who were randomly selected to receive scholarships to those who did not receive any surprisingly concluded that greater education does not in fact lead to greater democracy. However I believe the relationship between education and democracy can either be strengthened or weakened based on the content of the education received by the citizens and how it is famed in the classroom setting. Education systems that emphasize and value freedom of expression through heated discussion among peers inevitably provide an opportunity for the students to experience democratic way of handling things. The way information was given to the young girls in Kenya and its substance may have been the reason in the failure of increased education to result in greater democracy. The essay that demonstrated that biological difference exists between male and female but does not suggest a difference in aptitude pose an important issue in the field of education. I agree that the results hint a change in the education system but I hesitate to agree with Leonard Sax in his belief that â€Å"coed schools do more harm than good†. The fact that current coed schools might not provide an environment for boys and girls to learn at the pace of their maturing brains does not necessitate those students to be educated in single-sex schools. The problem, if there is any, would lie in the lack of division of classes based on the level of each subject. Division of class in coed schools based on proficiency, for instance beginners, intermediate and advanced seems an appropriate response that effectively deals with the problem embraces outliers at the same time.

America Must Take an Interventionist Role in Foreign Policy Essay

The people of the African country of Somalia are in critical need of help. The years are 1991-1992, and a serious civil war and devastating drought have caused a widespread famine throughout the country. Numerous international relief organizations have sent food and medical aid, but Somalian rebels have confiscated the varying supplies and either used it for themselves, or destroyed it. By late 1992, the nation was in complete anarchy, and hundreds of thousands of Somalians were dying, from starvation, dehydration, or fighting. In response, a U.S. military force entered Somalia to try to restore order and ensure that suffering Somalians received food and medical care. Thanks to these rescuing efforts, millions of people were saved from sure death (Robbins 93). Since its beginning, America has faced the ever-continuing problem of how to handle its foreign policies. When looking at the options, there are often two general ideas: isolationism and interventionism. An isolationist nation avoids allies, and avoids getting involved with foreign affairs and conflicts. ...

Business Modeling Essay

Ted Ralley is working on conducting a forecast for the upcoming year for an automobile part company. The data that will be used for this research has been collected from the quarterly sales from the previous four years. Ted wants to determine what is most accurate way to determine the forecast for 2008. The model should also help determined if the economic situation and oil prices are affecting significantly the sales of the company. The two models that were provided were thoroughly analyzed to determine which model was the most appropriate to utilize. These models were a regression model with factors, seasons and an additive Holt-Winters model. The forecasts also show that there is a significant change in the sales with the economic hardship and oil prices. It was concluded that the Regression with Econometric Variables would be the best method to use to forecast the sales for 2008, estimating a 255,927,955 for that year. Background With the economy continuously deteriorating everyone seems to be getting hurt financially, even the automotive industry, which has deepening the economic recession. Automotive part suppliers continued to experience heavy debt and overcapacity caused by production cuts by automakers, specifically including the big 3 (Ford Motor Company, General Motors and Chrysler). The suppliers  are also being pressed by higher energy and input materials’ costs. It has been determined by Industry analyst that automotive companies that accounted for more than $72 billion in sales have filed for chapter 11 protections in 2008. The number of Bankruptcies will continue to rise as the years go by. Domestically, Losing the big 3 to U.S affiliates of foreign- based manufacturers and imports in 2008 have caused a dramatic 50% drop in the market share. Most US suppliers are dependent on these three companies aforementioned. U.S suppliers are currently facing the challenge of penetrating automakers’ supply chains, mostly because these relationships have been long-established with home-market supplies. Ted Ralley is the director of a marketing research for a manufacturer of spare automobiles parts and it’s working on conducting a forecast for the upcoming year. Ted is aware of the forecasting errors and how costly they can be which is why these numbers must be as accurate as possible. In order to perform this forecast, Ted has collected the data on quarterly sales for the previous four years and ran several forecasts using time series forecasting methods. Ted noticed that economic activity and oil prices have impacted significantly the auto part sales and decided that the forecast will be more accurate using econometric variables. Problem Will the econometric variables be a better predictor of sales for the coming year, given the current economic activity and oil prices? Analysis This analysis consisted of the evaluation of the regression model with factors, seasons and the additive Holt-Winters method to generate an accurate forecast of how econometric variables have affected the Auto Parts industry. The analysis involved calculating the errors metrics for the three models (mean absolute percentage error (MAPE), root mean square error (RMSE), MAPE and Theils’ U-statistics (U)) and comparing them against each other. The error metrics were calculated by using the formulas shown below: Table 1.1 Error Metrics Formulas: After studying the data provided it could be determined that there is an upward trend with obvious seasonality. Another factor that played a role in these regressions was the removal of the first two years in order to meet Holt-Winters method guidelines. The first regression was conducted using  Factors was generated by utilizing the data that provided by Ted Ralley from a large manufacturer of spare auto parts for automobiles. The data consisting of the quarterly sales for the previous four years was the dependent variables and independent variables consisted of Time, quarter 2, quarter 3, quarter 4. In this regression quarter 1 was removed in order to avoid over forecasting and binary coding was used to generate dummy factors. After the regression was completed, the independent variables were tested to determine their significance, which was done by performing a regression on the data through Microsoft Excel. Quarter 4 was removed from the model due to the fact that it was statis tically insignificant. This was determined by using backward elimination, which means, a variable that has a P-Value that is greater than .05, is considered insignificant and should be removed from the data and a new regression should be completed. The results from the new regression, shown below, have a P-Value less than .05 being sufficient to reject the null hypothesis (Ha). A very strong positive linear correlation between sales and all the independent variables combined with a 95.47%, leaving an unexplained variance of 4.53 is also demonstrated. According to the textbook â€Å"the most common measure of overall fit is the coefficient of determination (R2)†. Another important measure is the â€Å"standard error (Se), which is derived from the sum of squared residuals for n observations and k predictors† (Poane, Seward, 2013). A smaller Se Indicates a better fit, in this case the Se will be off by around 3.9 million. The coefficients used to run the forecast for 2008 are the following: intercept coefficient + coefficient time x time 1 plus coefficient q2* code for Q2 dummy variable for q2 + plus coefficient q3. Square error was used to find the magnitude of the error; the absolute value of the error to the sale s was found and then preceded to calculate to numerator. Numerator and denominator will be calculated in other to use Thiels’ U. Numerator was calculated as follow: difference between sales minus the sale of initial sale (difference q1-2 sales) /divided by q1 and squared. Bibliography Poane, D., & Seward, L. E. (2013). Business Modeling Customized Readings for QNT5040. : Mc Graw Hill Education. Microsoft Office Excel. (2007). Redmond, WA: Microsoft Corporation. Albright, Winston & Zappe (2010). Business Modeling, Selections from 4e – QNT 5040 (4th ed.). Mason: Cengage Learning. Aczel,A & Sounderpandian,J (2009). Complete Business Statistics 7th edition (592). : Mc Graw Hill Education. U.S. Automotive Parts Industry Annual Assessment. (2009, April 1). . Retrieved June 6, 2014, from http://trade.gov/mas/manufacturing/OAAI/build/groups/public/@tg_oaai/documents/webcontent/tg_oaai_003759.pdf

A Suburbian Murder

The pearl white pigeon glided into the open window bringing with it the stenches of central London traffic. It cocked its head to one side while perched on the windowsill, as if in limbo. The blonde, wavy haired boy lay, sprawled out on his bed. His eyelids twitched as his dark eyes attempted to adjust to the ferocious rays of sunlight flooding the room. No sooner did he lift his heads. Then the black monster blared excruciatingly from across the room forcing him to summon the will power to trudge along and slap the alarm on the head, silencing it for a further twenty four hours. What day was it? He didn't care. Each day was the same and he couldn't tell the difference. He felt something. He walked outside into the cool breezing, looking upwards towards the day with a large smirk in his face. He was quite young, about in his late twenties, tall and relatively thin. He had a certain style of clothing, wearing a white polo shirt, with jeans of a faded blue colour. He had no facial hair and his hair was flipped upwards, his green sparkling eyes reflected from the stunning sun like a diamond. He started to shiver. He stopped. He stood guard, glancing very sharply at them. Thunder screamed! And the burning intense weather died away. The shell spinning around had ripped his life. He hid panicking, wondering who it was? Why? Will someone help? Did he see me? Am I going to die? Out of the blue, tires screeched and the speeding car drove away into the gloomy night its number plate half out of its position, streaks of mud on the cars bright headlights and fresh mud falling off the bumper. He unleashed his face from the dark and ran fast as possible to shelter. He had just witnessed a hideous murder. The fluorescent moon shone beams of darkness through the condensed window into the minute aura of evil; he could not terminate the appalling judgment of the revolting murder, his head was spinning due to the puzzle thoughts of what he would do subsequently. He couldn't bring the images of the ruthless murder to an end as it repeated in his distressed mind. Having watched his only family murdered, he could not eject the sensation of the evil thought of his brother being murdered! The door rang; it was the policemen, come around asking questions about the death of his late brother. Having asked firm and draining questions they had still no suspects or any set offs with the murder connecting towards the murderer, they had no choice but to close the case. The one and only time he needed help and he was turned down. After a short ineffective period of nap the door bell rang yet again, this time it was Andrew his brother's superlative pal. He had heard the news of the harsh murder and had come to give his wishes and support. He felt a bit rickety and had many large breaks in-between sentences as though he was hiding something. My suspicions grew larger and I too started to feel in-secure. It seemed he was in a hurry so I walked him to the door. My heart started to beat faster, my hands flooded as sweat was unleashed from the palms of my hands, I became breathless as my lungs felt compressed. I could not believe that my eyes were telling me the truth. The same old car with the same old broken number plate could it be he murdered my loving brother I was bolt from the blue and I knew what to do for the sake of my beloved brother . Just before the ice blood curdling night I waited. Sitting on an old rusty tree like a dull owl. I got out a blood thirsty razor sharp knife grasping to be used. I glanced at it and saw a sharp reflection of myself. Its face was shivering; it could its tired and strained face bearing the marks of harsh warfare. Then suddenly the chilly air spun around him like a smooth python trying to suffocate it. He sat back in stress. Thunder screamed! And the house awoke sending out a large breeze, he could sense the presence of his foe. The bleak chilly air had died away and then the vigorous rain was unleashed from the jet black sky and he was ready to make his move. The black car drove into the driveway. The number plate half out of its position, streaks of mud on cars head lights, fresh mud falling off the bumper. He walked towards the door wearing a white striped suit. His hair was wet and flat from the rain he had no facial hair but wore glasses. He was very muscular and also had a mole on his right cheek and looked quite similar to his brother. His jingles of keys fell as he ran towards his house for shelter from the rain, he kneeled he paused; Thunder screamed! He pulled it! The shell spinning around had ripped his life. He fell back thinking who it was? Why? Will someone help? Am I going to die? The predator walked up towards its prey as he was raising his hands for help, he unleashed his face from the dark. The atmosphere drew a sigh as the trigger was pulled and a bullet was released again. The cold blooded killer dragged the deceased into the cold shivering pool of chlorine water and left it to drown. He packed his carnage weapon and removed the traces of his presence. The storm cried away leaving a romantic dark pitch sky with bright glowing stars. He walked home having justice for his brother and now his best mate was dead at last!

Rural Bank of Suares Essays

Rural Bank of Suares Essays Rural Bank of Suares Essay Rural Bank of Suares Essay Group 2 Rural Bank of Suares Case Synthesis: In a stockholders’ meeting of the Rural Bank of Suares (RBS), Peter Arguelles, the bank general manager, proposed that the bank should open another branch in the capital city. However, the stockholders are reluctant with this motion, given that there are branches of the big banks of Manila and already two rural banks in the city. For more than 20 years, the Rural Bank of Suares struggled financially because of the government’s lending program. Point-of-View: For this case, the point-of-view of the stockholders will be used Statement of the Problem: Should the stockholders follow Peter Arguelles and expand to the capital city or should they not? Areas of consideration: First, the banking industry in the late 1990s can be categorized by three major trends: Deregulation, Technological innovation, and Globalization. These trends combined to induce a consolidation in the industry that knew no borders. The mantra heard in corporate boardrooms and analyst conference calls was â€Å"bigger is better. The rationales for this were largely two-fold. On the operational side, banks believed that only by being larger than the competition could they take full advantage of the economies of scale and economies of scope that the technology revolution was offering. Thus, by getting larger banks could reduce their expense ratios and earn a higher net interest margin. On the marketing side of the business, banks also felt that bigger was better. Deregulatio n in the US and elsewhere had made the buzzwords of relationship banking and cross-selling more than academic musings. To bank executives everywhere, these words represented the keys to winning back some of market share banks had been losing to equity markets and other financial intermediaries. Moreover, buying land and constructing a building for the new branch in the city would be too risky for the company since they are not assured of the success of the said expansion. Furthermore, if the expansion failed, it would be easier for the company to retract since they have no properties to consider. Also the company is not yet financially stable and capable enough to be granted the loan to invest for the properties. The cost of land acquisition, building construction, equipment, and fixtures, which is 10. 5 million Php, is very large compared to its annual net income of only two million Php. Another major point in the analysis of this case is the competition of Rural Bank of Suares which are Manila-based banks the two other rural banks in the capital city. Manila bank branches don’t offer small loans. In that sense, RBS can use this to their advantage and cater to specific the loan market. However, the more pressing problem is that RBS shares this specific target market with other rural banks in the capital city. RBS aims to distinguish itself from competition through better service. On another note, the presence of rural banks in the city signifies that they have a profitable business, which bodes well for RBS planning an expansion. An additional point of consideration is the various types of loans that the Bank of Suares had to offer at the time. We see in Exhibit One that most of their revenue came from agricultural loans, comprising approximately 52% of their total income in 1994, as compared to the 7. 6% and 3% from commercial and industrial loans, respectively. Also from 1994 to 1995, revenue from agricultural loans increased by 4,391,810. 96 Php; it is the one that experienced the highest gain out of all the income generating items, and the only one that actually gained income compared to the other two loans. Revenue from commercial and agricultural loans decreased by 69,026. 10 Php and 50,099. 0 Php respectively during the same time period. Alternative courses of action: One option is to expand the bank within the business centre of the city, but to rent instead, therefore without land acquisition and building construction. This provides the flexibility of exit if the expansion fails. RBS could rent until the stockholders feel that their position in the market is already stable. Another option is to expand the bank with in the city, but to wait until the bank is already financially stable. This is also a safe plan, because the bank has just had its first taste of a good year’s profit. They could wait until they’ve gained more capital. While waiting, they can start devising a plan of expansion. Lastly, there is an option not to expand in the urban areas, but focus on the market in Suares. However, according to Peter Arguelles, the market limit in Suares has been reached already. Decision: We recommend that the stockholders postpone their expansion until the bank becomes more financially stable. In the time they use while waiting, RBS should start drafting their plans of expansion to the capital city. This is considerably safe to business and yet, also progressive.

HUNT Surname Meaning and Origin

HUNT Surname Meaning and Origin As it sounds, the Hunt surname is generally considered to be an occupational name for a hunter, from the Old English hunta, meaning to hunt. Its also possible that the Hunt surname is an mis-translation of the Irish surname Ó Fiaich (due to confusion with fiach, the modern spelling of fiadhach, meaning to hunt), or an Anglicized spelling of the German surname Hundt. Surname Origin:  English Alternate Surname Spellings:  HUNTER, HUNTAR, HUNTE, HUNTA, HUNTT, HUNDT Where in the World is the HUNT Surname Found? According to  Forebears, the Hunt surname is most prevalent in the United States, where over 172,000 people bear the name. It is more common based on rank in the nation, however, in New Zealand (ranked 78th), Wales (84th) and  England (89th). Historical data from the 1881 census in England shows the surname Hunt was most common in Wiltshire (11th most common surname), Dorset (12th), Berkshire (17th), Somerset and Oxfordshire (23rd), Hampshire (24th) and Leicestershire (25th). WorldNames PublicProfiler  identifies the Hunt surname as being especially common in the United Kingdom, followed by Australia and New Zealand. Within the UK it is most common in southern England, especially the counties of Dorset, Somerset, Wiltshire, Oxfordshire, Warwickshire, Monmouthshire and Derbyshire. Famous People with the Last Name HUNT Linda Hunt - American actress, born  Lydia Susanna HunterHelen Hunt - American actressJames Hunt - British race car driver famous in the 1970sE. Howard Hunt - former CIA agent, famous for helping to organize the Watergate breakinAlfred Hunt - American steel magnateHenry Hunt - British radical speaker and politicianBonnie Hunt - American actressLeigh Hunt - English author and criticWilliam Morris Hunt - American painter Genealogy Resources for the Surname HUNT How to Research English AncestorsTrace your British roots back to England and beyond with the steps outlined in this English genealogy guide. Learn how to locate your ancestors county and/or parish in England, plus how to access vital records, census records and parish records. The HUNT DNA WebsiteOver 180 individuals with the Hunt surname and variants such as Hunte, Hunta, Huntt, Hundt, etc. have tested their Y-DNA and joined this project to help identify various Hunt families. Hunt Family Crest - Its Not What You ThinkContrary to what you may hear, there is no such thing as a Hunt family crest or coat of arms for the Hunt surname.  Coats of arms are granted to individuals, not families, and may rightfully be used only by the uninterrupted male line descendants of the person to whom the coat of arms was originally granted. FamilySearch - HUNT GenealogyExplore over 4 million historical records and lineage-linked family trees posted for the Hunt surname and its variations on the free FamilySearch website, hosted by the Church of Jesus Christ of Latter-day Saints. HUNT Surname Family Mailing ListsRootsWeb hosts a free mailing lists for researchers of the Hunt surname. DistantCousin.com - HUNT Genealogy Family HistoryExplore free databases and genealogy links for the last name Hunt. The Hunt Genealogy and Family Tree PageBrowse genealogy records and links to genealogical and historical records for individuals with the popular last name Hunt from the website of Genealogy Today.- References: Surname Meanings Origins Cottle, Basil.  Penguin Dictionary of Surnames. Baltimore, MD: Penguin Books, 1967. Dorward, David.  Scottish Surnames. Collins Celtic (Pocket edition), 1998. Fucilla, Joseph.  Our Italian Surnames. Genealogical Publishing Company, 2003. Hanks, Patrick and Flavia Hodges.  A Dictionary of Surnames. Oxford University Press, 1989. Hanks, Patrick.  Dictionary of American Family Names. Oxford University Press, 2003. Reaney, P.H.  A Dictionary of English Surnames. Oxford University Press, 1997. Smith, Elsdon C.  American Surnames. Genealogical Publishing Company, 1997.    Back to  Glossary of Surname Meanings Origins

In all seriousness, what do you think is going to happen with regard Essay

In all seriousness, what do you think is going to happen with regard to global warming and climate change Are we going to make it if so or not, why - Essay Example Global warming/climate change is a human caused problem and the solution also will be provided by humans themselves. We as humans are causing changes to the Earth’s ecosystem and getting affected in return. Therefore, in order to make it through, in order to survive, we should agree to this effort for the conservation of life on Earth. Because if we’re not going to do to anything to prevent global warming/climate change, the countries will become hotter, sea level will rise, there will be an increase in rains and storms and the weather will go to its extreme. We can help reduce the global warming by using the energy sensibly. As everyone knows Global warming is a serious issue and everybody should come together to fight against global warming. These weather extremes affect those the most who are poor, old, very young or sick as they don’t have the capability to deal with the climate changes. But in a broader aspect the climate change/global warming is affecting humans. If we can cause a problem, we can surely solve the problem too. Climate change is a global issue. Dealing with it is a collective responsibility. Yet it is obvious that the world’s poorest countries will be the most affected by it. And failure to reduce global warming will cause a dangerous environment for millions of people. As many poor people already live in a deprived environment where food, clean water and shelter are inadequate– climate change will worsen their condition. As it is obvious that extreme weathers are the impact of global Warming, it will lead us to a state where hot days will become hotter, the rainfalls will become heavier, the flooding will become more frequent, the hurricanes more brutal, the draughts more acute. So as to get through this, all the awareness campaigns and efforts by environmental conservation organizations will not go in vein. They are playing their part and we should play ours by cooperating