Wednesday, November 27, 2019

John Hopkins OpenCourseWare (Free Online Classes)

John Hopkins OpenCourseWare (Free Online Classes) John Hopkins University OpenCourseWare Basics: John Hopkins University offers dozens of free health-related courses as a part of its OpenCourseWare collection. Students can use OpenCourseWare material such as syllabi, lecture notes, and reading schedules to study topics such as nutrition and mental health. These are the same materials used in traditional courses offered at the renowned John Hopkins Bloomberg School of Public Health.Like other OpenCourseWare initiatives, the courses available through John Hopkins do not provide interaction with instructors and cannot be used to earn college credit. They are designed for self-study. Where to Find John Hopkins OpenCourseWare: All free online classes can be found on the John Hopkins Bloomberg OpenCourseWare website. How to Use John Hopkins OpenCourseWare: Most John Hopkins OpenCourseWare classes contain a brief overview in the lecture notes, not an entire transcript. Since the lecture notes are limited, you may want to consider acquiring the suggested reading materials and following the syllabus to get a more complete understanding of the subject.Most lecture notes and readings must be downloaded to your computer in PDF format. If you don’t have a PDF reader, you may download one from Adobe for no cost. Top Free Online Classes from John Hopkins University: Self-learners have dozens of John Hopkins OpenCourseWare classes to choose from. Popular general interest courses include:Critical Analysis of Popular Diets and Dietary Supplements – An overview of scientifically proven weight-loss strategies preparing learners to analyze diet plans.Environmental Health – A survey of health issues in relation to the environment.Family Planning Policies and Programs – An explanation of family planning issues in developing countries. Students studying these materials study family planning as a human rights issue and learn how programs are implemented in poverty-stricken areas.

Saturday, November 23, 2019

Research Paper on Insurance

Research Paper on Insurance The conception of insurance is the spreading of risks for a few individuals, among many. This is done when individuals and businesses pay a premium to an insurance company to cover them in case of a catastrophic occurrence. In other words, we all pay premiums in case something happens to one of us. Believe it or not, this simple concept is what drives the existence of all insurance companies. As much as we all complain about insurance, we all have it. If something happens, we can’t afford to be without it. The attached article from â€Å"Business Insurance† magazine, an insurance industry publication outlines some ideas that make me think our insurance rates are going to go a lot higher before they come down at all. In order for me to make my case, I think it’s necessary to review a basic concept of insurance that is referred to in this article. The very concept that Im referring to is called an underwriting profit. The insurance industry would have us believe that underwriting and rating insurance policies is a complicated procedure. However, when you break it down to its simplest form, insurance is just like any other business. Profits are what’s left when you subtract expenses (dollars out) from revenues (dollars in). In insurance terms, this means a combined expense ratio far enough below 100 % to allow for an acceptable profit. In other words, how much is it going to cost to underwrite, issue, and service a policy and how much does the insurance company expect to pay in claims? If there is money left, that’s an underwriting profit. If the expenses and losses are higher than the premium collected, that’s an underwriting loss. If the insurance industry accepts the concept laid out in the article by the chairman of Lloyd’s of London, Peter Levene, my opinion is not only are insurance rates going to rise but all kinds of coverage is going to be harder to get. If the insurance companies can no longer count on high incomes from their investments, their profits have to come from another source. Us, the customers. While this may not seem entirely fair, I’m sure very few people complained when rates were low. The disturbing point Lord Levene eludes to is that he advocates pursuing an underwriting profit even when investment returns are high. This is disturbing because in the past as the investment markets changed and higher returns were being earned. The insurance customer shared in these returns in the form of lower premiums and easier underwriting. For example, the premium for a particular business when investments are bad might be $10,000. In the past, when investments were good, that same busine ss might have paid only $6,000 for their coverage. Assuming Lord Levene’s position is accepted, that $10,000 premium would remain constant regardless of how much the insurance company was making on their investments and would only rise if the markets turned even worse. To make things even more difficult, if this business had suffered any claims, they are at greater risk of having their coverage cancelled. At that point, this company would be forced to find a new insurance carrier. This is where things could begin to spiral out of control. Assuming the new insurance carrier is also looking for an underwriting profit, they would be forced to add the cost of what they consider to be a higher risk of claims to their expenses and this $10,000 policy might now cost $15,000. The customer now has a decision to make. Accept the higher premium and absorb the cost or pass this cost to their own customers in the form of a price increase. At this point you may be wondering how all of this relates to why â€Å"my rates are so high.† My thinking is simply this. If the business insurers subscribe to Lord Levene’s theories, then the personal insurers will probably not be very far behind. I have the unique perspective of a father with twenty-three years experience in the insurance industry, which gives me some insight as to â€Å"why my rates are so high.† I pay around $3,000 a year for my car insurance. According to my father, the reason is that the insurance companies feel that due to my age and lack of driving experience, I am more likely to have an accident. This likelihood comes back to me in the form of higher rates. While I may never have that accident, other members of my age group have in the past been in more accidents than any other age group. Statistically, that makes me a less desirable risk than someone in another group. For example, my parents pay less than the $3,000 I pay to insure both their cars. Another factor is geography. Where you live has as much to do with your rates as what group you belong to and what your claims history is. While my $3,000 premium seems ridiculously high, the premium for the same coverage might be as much as $4,000 just ten miles west of where I live. Move me to Brooklyn and that rate would be more than $7,000. This seems extremely unfair to me. Why should where I live have any bearing on my rates? The answer apparently has to do with the same logic that makes younger drivers pay more than more experienced drivers. It seems that insurance companies not only group drivers by age but by other factors, such as population density (how many more cars are there in a given geographical area?), claim frequency (how many more claims are there in Brooklyn vs. Eastern Suffolk County?). The companies also take in to account moving violations. Statistically speaking again, a driver with multiple traffic violations is an accident waiting to happen. Add to that, the logic that someone who makes a habit of passing stop signs or red lights is individually increasing the probability that they will be involved in some type of loss. People who drive fast not only have the increased probability of loss but also because of the speed, increase the probability of a more severe loss. Thereby costing the insurance company, and all of us, that much more money. This is why insurance companies either refus e insurance or at the very least charge much more for drivers with violations on their records. While all of this barely scratches the surface of what insurance companies look at when determining their rates, it does give us a pretty good idea of what we can do to keep our rates as low as possible. One thing would be to live in an area with less people and lower crime rates. For most of us, this is impossible. So what can we do without moving so far into the country that our nearest neighbors live five miles away? For one thing, avoid accidents and don’t pile up the moving violations. All I can say is that as unfair as insurance seems, ultimately the blame for higher rates rests with all of us. If no one ever had an accident, all we would have to insure against would be fire and theft. Since no one ever having an accident is not realistic, we can thank the powers that be for greed. If the insurance companies can find a way to make more money, you can bet they will do it. So while Lord Levene’s theories are disturbing, we can count on the overriding greed of the insurance companies to offset the theory of always making an underwriting profit. What I am trying to say is that when the investment markets are good, insurance companies make more money. As long as they can make more money by writing more policies at lower rates then by looking for that pie in the sky underwriting profit, that’s exactly what they will do. You can always tell when an insurance company is doing well in the market. Rate increases are few and far between and the company is writi ng more policies. When the market turns bad as it is now, insurance companies raise rates and reduce the number of new policies they sell. When you consider all of the factors that go into what an insurance company charges, combined with all the different laws and regulations they are required to comply with from state to state, it’s understandable why rates are what they are at any given time. So I guess the answer to my question is not as easy as my first thought. Between investment markets, geography, age group, driving experience, prior loss history, and driving record, it’s a wonder how they come with any rates that we can afford and still stay in business. I am not sure if I agree or disagree with the logic and statistics used by the insurance companies but I am sure of one thing. My rates are too high! You can also order a custom essay, term paper or research paper on insurance at our professional custom writing service which provides students with high-quality custom written papers. Here is a list of the most popular insurance research paper topics:   The history of insurance law in Britain   Insurance Reform   Insurance Planning   Insurance companies should be allowed to use genetic testing before giving someone health or life insurance.   High insurance rates have nursing homes going bare  How Insurance Works   Importance of Car Insurance   Global insurance   Reliable Insurance Case Study   Quicken Insurance Case Study

Thursday, November 21, 2019

Management PortfolioHAVARD SYSTEM Essay Example | Topics and Well Written Essays - 4000 words

Management PortfolioHAVARD SYSTEM - Essay Example subjects within themselves – Construction engineering, Irrigation engineering, Transportation engineering, Soils and Foundation engineering, Geodetic engineering, Hydraulic engineering, and Coastal & Ocean engineering. Civil Engineering is & will continue to be the most rewarding & vibrant profession in this century. However, the kind of work associated with the engineering profession will continue to change depending upon the changes in the management portfolio of the profession. The ongoing rapid technological enhancements, the population explosion and the ever increasing global environmental issues are continuously changing the methodology in which the civil engineering activities were being carried out across the globe. Also, gradually the work is being linked to the local societal changes with the changing influences of the government and privatization. In the modern world, the Civil Engineering profession possesses more accountability beyond the engineering activities itself. It is required take into consideration the global perspective of the life supporting resources as they are declining due to increased consumption. In the modern scenario, Civil Engineering projects cause major changes in the local society, culture, habitats, plants, animals & the well being of the citizens of a country. Virtually all the civil engineering structures are unique as they are designed with some specific tasks in mind for some specific location. Any Civil Engineering completion project comprises of five different activities as follows: Figure 1 shows the various primary engineering & management processes & systems that impose a great amount of impact on the civil engineering work as well as the impact of the civil engineering projects on the local society and the natural environmental aspects, in the locality, region as well as the global environment. The Management portfolio of a Civil Engineering company may differ from organization to organization depending upon the

Wednesday, November 20, 2019

ANALYSIS Research Paper Example | Topics and Well Written Essays - 500 words

ANALYSIS - Research Paper Example 73). This poses a threat to the aircraft industry in that trains are going at speeds better than airplanes yet they are cheaper in terms of fare paid (Grimm, Lee & Smith, 2006, p. 98). In addition, it has been noted that trains and automobiles are more convenient as opposed to the airplanes (Grimm, Lee & Smith, 2006, p. 98). This is because the automobiles offer better services in terms of door to door deliveries. The aircraft industry faces this threat since delivery of both goods and people is restricted to the airports (Grimm, Lee & Smith, 2006, p. 101). Travelers however are opting to use more convenient and cheaper means. As such, aircrafts like Bombardier Aerospace face the most significant substitutes as being commercial airlines (Grimm, Lee & Smith, 2006, p. 55). This lies in the cost incurred since the cost of boarding a flight on an air taxi is approximated to be the same as the cost of a coach airline ticket (Grimm, Lee & Smith, 2006, p. 55). Based on this, it is noted that 8.12% of the first class commuters have shifted to private jets (Grimm, Lee & Smith, 2006, p. 87). This can be blamed partly on the post-9/11 disturbances of airline voyage, ineffective airfields and profitable airlines as well as contemporary emphasis on time and effectiveness (Grimm, Lee & Smith, 2006, p. 99). People actually values time and the efficiency in which the airlines are operating. Strengths of the Southwest Airline Company are inclined on the corporation’s growth as well as the internal environment (Lauer, 2010, p. 29). The company has a superior clientele service culture, operational strategy within the firm as well as the capacity to provide the lowest costs in terms of fare (Lauer, 2010, p. 29). These are some of the issues that have contributed to its fast development and survival within the 2009 recession in aircraft industry (Lauer, 2010, p. 31). The company’s operational strategy gives room for the airline to measure the recession with

Sunday, November 17, 2019

Alternative education Essay Example for Free

Alternative education Essay E-learning is an excellent option in education, particularly when there are hindrances to traditional learning situations. For example, some people wish to continue their educations but do not live within driving distance of a college or university and dont find it feasible to relocate. E-learning is a viable alternative for these students. Another hindrance to traditional learning, especially in grades K through 12, is the one size fits all mentality it embraces. Many students just do not learn well in a traditional learning environment, but thrive in a more flexible setting. To address this issue, parents are turning to e-learning opportunities for their children. Some choose full-time enrollment in a virtual school, while others use e-learning to supplement a home school curriculum. In the business world, e-learning provides a way for companies to train and instruct employees without requiring them to travel to a central location. Convenience is one of the major advantages of e-learning. It allows students to work and learn at their own pace without the unyielding time restrictions of traditional learning. Because e-learning provides access to learning materials at any time, students have the flexibility to schedule around families, jobs and other activities. Another major benefit of e-learning is the accessibility it provides. Students can learn from anywhere in the world. This is an especially important consideration for students who wish to study in a different country. In addition, because e-learning can be done from home, students have less clothing and driving expenses than with traditional learning. A major disadvantage to e-learning is the self-discipline it requires. While being able to work at your own pace can be an advantage, it can also be a disadvantage. This is especially true for students who have difficulty with time management and procrastination. These students tend to be more successful with the structure of traditional learning. Another disadvantage to e-learning is the technology involved. Some people do not have ready access to a computer and Internet connection. And some who do have the required equipment feel ill-equipped to use it. Lack of interaction between teacher and student is another drawback to e-learning. Some students need the immediate feedback that interaction provides. E-learning greatly increases the availability of educational opportunities. Unfortunately, it also increases the number of scams related to online education. Persons considering e-learning possibilities should be alert to such scams and thoroughly investigate any program before making a commitment.

Friday, November 15, 2019

The Fat Cow Complex :: essays research papers

It’s mid-June. I graduated a few days earlier and here I am sitting nervously on a bench outside Lane Bryant, staring at the gate It’s my first job interview ever. I’m nervous as hell. I must have dried my hands fifty times on my dress but they’re still sticky with sweat. A woman comes to the front and opens the gate. She asks my name, I tell her. She nods, smiles, shakes my hand, introduces herself as Fran and tells me how cute I look. I beam and thank her. I’m not used to compliments. One of the questions she asks me is what my best shopping experience was like. I rack my brain. What kind of question is that? I think. Taking a deep breath I reply that it would have to be the first time I ever shopped there, at Lane Bryant. She looks at me skeptically. I explain how my mom guided me there after a long discouraging day of school clothes shopping. To pacify her, I follow and try on jeans and a t-shirt. I leave the dressing room to model for Mom and the sales lady squeals over how good I look. I’m taken aback. Somewhere in the back of my mind I know that she does this to make the sale but it’s the first time I’ve ever been complimented by a salesperson. I feel welcome here. I don’t get the â€Å"You? You think you’ll be able to buy anything here?† look. By the end of my story I’m nearly in tears. I smile sheepishly. I get the job. As I leave, Tess, another woman who works at the store, tells me I look great. I do. I am beautiful.   Ã‚  Ã‚  Ã‚  Ã‚  Early July. Mel invites twenty of her closest friends to swim in her pool after a barbecue at the beach. I’m standing on the deck, beach towel wrapped around me. Everyone else is in the pool. I’m trying to think of the least conspicuous way to slip into the warm inviting pool. Amanda notices I’m just standing there and calls for me to join them, also calling everyone's attention to me. I swallow the huge lump in my throat, throw my towel over the rail and jump in the water, praying no one saw the jiggling of my thighs as I leapt. Later they’re having chicken fights and I’m floating alone in the deep end.

Tuesday, November 12, 2019

Market Timing and Capital Structure for Baker and Wurgler

It is well known that firms are more likely to issue equity when their market values are high, relative to book and past market values, and to repurchase equity when their market values are low. We document that the resulting effects on capital structure are very persistent. As a consequence, current capital structure is strongly related to historical market values. The results suggest the theory that capital structure is the cumulative outcome of past attempts to time the equity market. Introduction â€Å"Equity market timing† refers to the practice of issuing shares at high prices and repurchasing shares at low prices. Equity market timing appears to be an important aspect of real corporate financial policy. In this paper, B&W ask how equity market timing effects capital structure and whether it has a short-run or long-run impact. The variation in market-to-book ratio is a proxy for manager’s perceptions of misevaluation. The main finding is that low leverage firms are those that raised funds when their market valuations were high (measured by the book-to-market ratio), while high leverage firms are those that raised funds when their market valuations were low. The influence of past market valuations in capital structure is economically significant and statistically robust. The influence of past market valuations on capital structure is also quite persistent, this means that they have a long-run impact. The tradeoff theory predicts that temporary fluctuations in the market-to-book ratio or any other variable should have temporary effects. The evidence however indicates long-term effects as well. The standard pecking-order theory implies that periods of high investment will push leverage higher toward a debt capacity, not lower as the results in this paper suggest. The theory of entrenched managers suggests that managers exploit existing investors ex post by not rebalancing the capital structure with debt, this may be an explanation of the findings in this paper. 1. Capital structure and past market valuations Individual financing decisions depend on market-to-book ratios. Does market-to-book affects capital structure through net equity issues as market timing implies? And does market-to-book has persistent effects that help to explain the cross section of leverage? Data and summary statistics. Table I shows that book leverage decreases sharply following the IPO. Over the next 10 years, it rises slightly, while market value leverage rises more strongly. The book leverage trend is an age effect, not a survival effect. Most notable is the sharp switch to debt finance in the year following in the IPO. Under B&W’s definitions for financing activity, the change in assets is equal to the sum of net debt issues, net equity issues, and newly retained earnings. The concurrent increase in equity issues is suggestive of market timing. Determinants of annual changes in leverage B&W document the net effect of market-to-book on the annual change in leverage. Then they decompose the change in leverage to examine whether the effects comes through net equity issues, as market timing implies. Three control variables are used that have been found to be correlated to leverage: Asset tangibility, profitability, and firm size. B&W regress each component (equity issues, debt issues, and newly retained earnings) of changes in leverage on the market-to-book ratio and other independent variables. This allows them to determine whether market-to-book affects leverage through net equity issues, as market timing implies. The effect of market-to-book on changes in leverage does indeed come through equity issues. Panel C shows that market-to-book is not strongly related to retained earnings, ruling out the possibility that market-to-book affects leverage because it forecasts earnings. The effect of profitability on changes in leverage arises primarily because of retained earnings. Firm size plays an important role at the time of the IPO. Determinants of leverage. If managers do not rebalance to some target leverage ratio, market timing may have persistent effects, and historical valuations will help to explain why leverage ratios differ. The relevant historical variation in market valuations is measured by the â€Å"external finance weighted-average† market-to-book ratio. This variable takes high values for firms that raised external finance when the market-to-book ratio was high and vice-versa. The intuitive motivation for this weighting scheme is that external financing events represent practical opportunities to change leverage. It therefore gives more weight to valuations that prevailed when significant external financing decisions were being made, whether those decisions ultimately went toward debt or equity. This weighted average is better than a set of lagged market-to-book ratios because it picks out, for each firm, precisely which lags (intervals) are likely to be the most relevant. Intuitively the weights correspond to times when capital structure was most likely to be changed. When firms go public, their capital structure reflects a number of factors, including market-to-book, asset tangibility, size, and research and development intensity. As firms age, the cross-section of leverage is more and more explained by past financing opportunities, as determined by the market-to-book ratio, and past opportunities to accumulate retained earnings, as determined by profitability. Historical within-firm variation in market-to-book, not current cross-firm variation, is more important in explaining the cross section of leverage. The results from Table III and IV show that the effect of historical valuations on leverage is large and separate from various effects documented in prior literature. Persistence So far two main results have been documented. First, high market valuations reduce leverage in the short run. Second, historically high market valuations are associated with lower leverage in the cross section. By measuring changes from the leverage prevailing in the year before the IPO, the dependent variable includes the effect of the IPO itself. This is useful because the IPO is a critical financing event known to be connected to market value. Historical market valuations have large and very persistent effects on capital structure. This effect is independent of various control variables. 2. Discussion Tradeoff theory In perfect and efficient markets capital structure is irrelevant. Some of the imperfections that lead to an optimal tradeoff are as follows: Higher taxes on dividends indicate more debt, higher non-debt tax shields indicate less debt, higher costs of financial distress indicate more equity, agency problems can call for more or less debt. The market-to-book ratio can be connected to several elements of the tradeoff theory but it is most commonly attached to costly financial distress. The key testable prediction of the tradeoff theory is that capital structure eventually adjusts to changes in the market-to-book ratio. However, evidence indicated that variation in the market-to-book ratio has a decades-long impact on capital structure. B&W’s results make the point that a considerable fraction of cross-sectional variation in leverage has nothing to do with an optimal leverage ratio. Pecking order theory In the pecking order theory there is no optimal capital structure. The static model predicts that managers will follow a pecking-order (internal, debt, equity). The pecking order theory regards the market-to-book ratio as a measure of investment opportunities. Periods of high investment opportunities will tend to push leverage higher toward a debt capacity. However, to the extent that high past market-to-book actually coincides with high past investments, B&W’s results suggest that such periods tend to push leverage lower. The dynamic version predicts a relationship between leverage and future investment opportunities. B&W’s results control for current market-to-book and show that leverage is much more strongly determined by past values of market-to-book. Managerial entrenchment theory High valuations and good investment opportunities facilitate equity finance, but at the same time allow managers to become entrenched. They may then refuse to raise debt to rebalance in later periods. Market timing theory Capital structure evolves as the cumulative outcome of past attempts to time the equity market. There are two versions of equity market timing. The first is a dynamic form with rational managers and investors and adverse selection costs that vary across firms or across time. Temporary fluctuations in the market-to-book ratio measure variations in adverse selection (information asymmetry). The second version of equity market timing involves irrational investors or managers and time-varying mispricing. If managers try to exploit too-extreme expectations, net equity issues will be positively related to market-to-book. The critical assumption is that markets need not be inefficient, managers may simply believe that they can time the market. 3. Conclusion A variety of evidence suggests that equity market timing is an important aspect of real financial policy. This evidence comes from analyses of actual financing decisions, analyses of long-run returns following equity issues and repurchases, analyses of realized and forecast earnings around equity issues, and surveys of managers. We find that fluctuations in market valuations have large effects on capital structure that persist for at least a decade. The most realistic explanation for the results is that capital structure is largely the cumulative outcome of past attempts to time the equity market.

Sunday, November 10, 2019

Tom Brennan Speech

In life, everybody faces obstacles that have to be encountered. Sometimes they are good, and other times they are bad. I think it’s the individual coping with these new experiences that leads to significant rewards and life skills that help make growing up and transitioning into society easier. This is shown in the text we studied in class; ‘The Story of Tom Brennon’ by JC Bourke which is a story told through the eyes of 17 year old Tom Brennon. He has to encounter new experiences due to a horrific car accident his brother Daniel caused, killing two and paralyzing his cousin. The whole family suffers as they are forced from their hometown of Mumbilly due to society’s reaction to the death of their loved ones. This is hard on the whole family as they were so loving and devoted to their home town, especially Tom who was exceptionally close to his brother Daniel. Tom finds it quite hard to come to terms with all the new changes: a new town, no brother, living with his Nan. These are all things Tom finds difficult to adapt to. It makes it not just hard on himself, but also to the other people trying to help him. Tom learns to cope with his misery, adapt and fit in to a new school and make new friends. His involvement in rugby makes it easier to start to transition into a new town. Tom starts to build a strong relationship with his uncle Brendan who helps the family make their transition into their new town Coghill. Tom feels as though his Uncle is finally someone he can talk to about his emotions. Brendan encourages Tom to go for runs and the ‘ascent’ becomes a metaphor for his mental and emotional progress. As the runs get easier, Tom begins to become more flexible to the idea of new experiences. Towards the end of the story you get to see the old Tom Brennon again, happy and full of life. This is shown through his relationship with Chrissie a girl who Tom falls in love with. Old Tom never used to speak to girls as that was always Daniels talent, but things have changed. Through their relationship, Tom begins to talk about the accident, and how he felt about it and was affected. By talking to Chrissie he starts to realise that he isn’t the only one who has lost someone they are close to. Chrissie lost both of her parents to alcohol and other substance abuse, she doesn’t let this pull her down. Chrissie shows how she has also had to experience hardship but comes through these obstacles with a greater awareness of life. Encountering obstacles is also highlighted in the magazine article ‘2 of Us’ by Carla Grossetti, a tragic story of twin brothers Jamie and Andrew Daddo. They encountered a similar experience to Tom and Daniel, with both having to make dramatic changes to their lives and how they cope. This was caused when Jamie was in a drunken state and was hit by a car causing a serious head injury when he was only 18, permanently placing him in a wheel chair. In the article readers are told of the accident through the perspective of each twin, which gives an insight like Tom, of their reactions to each obstacle. The brothers tell you how they had to stick together, as it was hard times for both of them. Both brothers successfully made their change into the new world and have gained significant rewards. Jamie has learned to accept his dilemma and has learnt valuable life lessons. Jamie now paints and he says that this is something that makes him feel ‘normal again’. Jamie has also found his love, a lady Annie who is a special needs teacher. Andrew has also learnt valuable lessons from the accident and is now a father of three and also a children’s author/ TV presenter. Both texts talk of how individuals have faced difficult and extreme circumstances. These new experiences highlight how they have to encounter challenges and then overcome these obstacles. With the help of their families and friends they gain significant rewards. This is summed up with Jamie Daddo saying â€Å"I now value what I have and appreciate it’s the little things that are important. I think I’m a better person now. †

Friday, November 8, 2019

Draw Yourself A Venn Diagram And Use It To Note Similarities Essays

Draw Yourself A Venn Diagram And Use It To Note Similarities Essays Draw Yourself A Venn Diagram And Use It To Note Similarities Essay Draw Yourself A Venn Diagram And Use It To Note Similarities Essay This protagonist makes an error in judgment. This error results in suffering for the person. This suffering causes pity or fear in the audience. Hubris Missionaries Hamster Peripatetic Catharsis If you have forgotten what a Venn diagram looks like, here is an example to remind you. If your Venn diagram contained some of these points, you have been successful in your analysis. These are just sketches of ideas to show a variety of possibilities Your own work should be more carefully organized. Hamlet Similarities Gag anemone Hamlet takes revenge. Both plays are about a prince or king, who is clearly someone of high status. Agamemnon is the victim of revenge. Hamlet tends to be humble yet plots the death of a king. Both tragic heroes make an error of judgment. Agamemnon shows hubris by walking on the red carpet and taking a concubine yet he is a known daughter-killer. Several of the murders in Hammerlocks on-stage. Both Agamemnon and Hamlet suffer and die. The two murders imagination occur off-stage. Hamlet has more admirable qualities than Agamemnon appears to have. The audience feels pity for both men. We dont learn many positive things about Agamemnon other than his popularity and battle victories. Hamlet involves subplots, such as the plight of Aphelia. The fortunes of both men are suddenly reversed and they are put in a vulnerable position with their murders being plotted. Agamemnon does not involve subplots. The women in Hamlet, while important, are minor characters with little dialogue. Both Hamlet and Agamemnon hurt the women in their lives. The women imagination have more prominent roles in the plot, with many nines of dialogue. Hamlet seems more torn and reluctant to take revenge. Both Clytemnestra and Hamlet are motivated by revenge for the wrongful death of a loved one and they use deceit as part of their plans. Clytemnestra looks forward to the task of revenge. Hamlet has never been emotionally close to his uncle Claudia. Clytemnestra and Hamlet put aside any previous feelings of love for others as they focus on their task Of revenge Clytemnestra has had a much closer relationship with Agamemnon, than Hamlet had with Claudia.

Tuesday, November 5, 2019

History of Matches - Inventors and Methods

History of Matches - Inventors and Methods If you need to start a fire do you rub sticks together or break out your handy flint? Probably not. Most people would use a lighter or a match to start a fire. Matches allow for a portable, easy-to-use source of fire. Many chemical reactions generate heat and fire, but matches are a fairly recent invention. Matches are also an invention you probably wouldnt choose to duplicate if civilization ended today or you were stranded on a desert island. The chemicals involved in modern matches are generally safe, but that wasnt always the case: 1669 [Hennig Brand or Brandt, also known as Dr. Teutonicus] Brand was an Hamburg alchemist who discovered phosphorus during his attempts to turn base metals into gold. He allowed a vat of urine to stand until it putrified. He boiled the resulting liquid down to a paste, which he heated to a high temperature, so that the vapors could be drawn into water and condensed into... gold. Brand didnt get gold, but he did obtain a waxy white substance that glowed in the dark. This was phosphorus, one of the first elements to be isolated other than those which exist free in nature. Evaporating urine produced ammonium sodium hydrogenphosphate (microcosmic salt), which yielded sodium phosphite upon heating. When heated with carbon (charcoal) this decomposed into white phosphorus and sodium pyrophosphate:(NH4)NaHPO4 - †º NaPO3 NH3 H2O8NaPO3 10C - †º 2Na4P2O7 10CO P4Although Brand tried to keep his process a secret, he sold his discovery to a German chemist, Krafft, who exhibited phosphorus throughout Europe. Word leaked out that the substanc e was made from urine, which was all Kunckel and Boyle needed to work out their own means of purifying phosphorus. 1678 [Johann Kunckel]Knuckel successfully made phosphorus from urine. 1680 [Robert Boyle] Sir Robert  Boyle coated a piece of paper with phosphorus, with a separate splinter of sulfur-coated wood. When the wood was drawn through the paper, it would burst into flame. Phosphorus was difficult to obtain at that time, so the invention was only a curiosity. Boyles method of isolating phosphorus was more efficient than Brands: 4NaPO3 2SiO2 10C - †º 2Na2SiO3 10CO P4 1826/1827 [John Walker, Samuel Jones] Walker serendipitously discovered a friction match made from antimony sulfide, potassium chlorate, gum, and starch, resulting from a dried blob on the end of a stick used to stir a chemical mixture. He didnt patent his discovery, though he did show it to people. Samuel Jones saw the demonstration and started to produce Lucifers, which were matches marketed to the Southern and Western U.S. states. Lucifers reportedly could ignite explosively, sometimes throwing sparks at a considerable distance. They were known to have a strong firework odor. 1830 [Charles Sauria] Sauria reformulated the match using white phosphorus, which eliminated the strong odor. However, the phosphorus was deadly. Many people developed a disorder known as phossy jaw. Children who sucked on matches developed skeletal deformities. Phosphorus factory workers got bones diseases. One pack of matches contained enough phosphorus to kill a person. 1892 [Joshua Pusey] Pusey invented the matchbook, however, he placed the striking surface on the inside of the book so that all 50 matches would ignite at once. The Diamond Match Company later purchased Puseys patent and moved the striking surface to the exterior of the packaging. 1910 [Diamond Match Company] With a worldwide push to ban the use of white phosphorus matches, the Diamond Match Company got a patent for a non-poisonous match which used sesquisulfide of phophorus. U.S. President Taft requested that Diamond Match give up their patent. 1911 [Diamond Match Company] Diamond yielded their patent on January 28, 1911. Congress passed a law placing a prohibitively high tax on white phosphorus matches. Present Day Butane lighters have largely replaced matches in many part of the world, however matches are still made and used. The Diamond Match Company, for example, makes more than 12 billion matches a year. Approximately 500 billion matches are used annually in the United States. An alternative to chemical matches is fire steel. Fire steel uses a striker and magnesium metal to produce sparks which may be used to start a fire.

Sunday, November 3, 2019

Limits of Human Knowledge and Experience Essay Example | Topics and Well Written Essays - 1000 words

Limits of Human Knowledge and Experience - Essay Example This essay highlights that  mathematician Leibnitz has contributed to our understanding of human limitations in acquiring knowledge.   He famously coined the term â€Å"human finitude†, behind which were questions such as â€Å"How much can someone possibly know? What could reasonably be viewed as an upper limit of an individual's knowledge--supposing that factually informative knowledge rather than performative how-to knowledge or subliminally tacit knowledge is to be at issue?† To essay an answer to these questions, let us consider a hypothetical attempt by a human to acquire maximum knowledge.   For this thought experiment, we are assuming that this hypothetical person has perfect recall and an infinite memory.  Ã‚  According to the report findings  in the Western intellectual tradition that has evolved over the last two millennia, knowledge was the â€Å"essential resource for those mortal and particular human beings struggling to cope with a world that c ould be imagined as being independent from any observer.† Scientific endeavor was thus directed to make knowledge independent of the observer (subjective) into an enduring truth.  For a human being to ‘know’ something is one way of gaining access to that aspect of the world.   The tradition of ‘reasonable knowledge’ is one that brings into concurrence an individual’s observation through sight, sound and logical analysis with the truth associated with the object being studied.

Friday, November 1, 2019

Three Major Problems in Nigeria Essay Example | Topics and Well Written Essays - 1750 words - 1

Three Major Problems in Nigeria - Essay Example This research will begin with the statement that developing countries face various problems leading to slow economic growth and other tribulations. It is the same problems, which lead to unemployment raising social issues, as well as sophisticated settlements. In as much as different countries employ varied strategies to counter the problems; they remain dominant as the countries lack proficient mechanisms. Majority of developing countries depend on developed countries a factor, which not only slows development but also exploit the available resources in the countries. Nigeria is one developing country, which faces diverse problems. Most African countries have a characteristic of political instability. This underscores the depth of development leaving people midst abundant resources with little development. In the past, many years, stagnation remains evident among many African countries due to political instability creating a rising tide of poverty, poor infrastructure and decaying o f public utilities. Nigeria gets described by scholars as an unfinished state, and a truculent African disaster, this is because of the abundant natural resources present in the country, which instead of improving the economic condition of the country, has propelled the vicious cycle of poverty. Nigeria is rich with enormous oil resources that warrant it a name of a giant African country. On the contrary, it remains a minute country due to the political instability of parochial leadership, which considers personal survival rather than national development.