Define a Database and a Database Management System and Describe How It Solves the Problems of a Traditional File Environment. Essay Example

Characterize a Database and a Database Management System and Describe How It Solves the Problems of a Traditional File Environment. Exposition Example Characterize a Database and a Database Management System and Describe How It Solves the Problems of a Traditional File Environment. Exposition Characterize a Database and a Database Management System and Describe How It Solves the Problems of a Traditional File Environment. Exposition 2. For what reason was the united watch list made? What are the advantages of the rundown? ANSWER: In the outcome of the 9-11 assaults, the two pundits and safeguards of the data frameworks utilized by the US insight network got worried on the most proficient method to forestall future fear monger occurrences. At that point a database of suspected fear based oppressor known as the solidified watch list was conceived. It is made so as to keep up independent rundown about psychological oppressor and offer significant data concerning the people on each agency’s list. Advantages of combined fear watch list 1. Arranging and sorting out data: ordered data about the individuals in watch list is kept up and the whole databases are efficient as per their name and date of birth. 2. Given record by two sources: the NCTC and the FBI both the organizations give data to recognize fear based oppressor. These offices gather and keep up psychological militant data and designate people for consideration in the combined watch list. . Refreshing data with time: the watch list database is refreshed day by day with new designations, adjustments, to existing records and erasures. 4. Appropriating data appropriately: Information on the rundown is conveyed to a wide scope of government office for use in endeavors to dissuade or recognize the developments of known or suspected psychological oppressor. 5. In air terminal: Airlines utilize this information for prescreening travelers the selectee records. The US customs and outskirt insurances framework utilizes bit to help screen voyagers entering in the US. Last however not the least in USA port, police headquarters, VISA focus these issues are exceptionally severe. They direct a name based inquiry of the people. At the point when the automated name-coordinating framework produces a ‘hit’ against a watch list record, the carrier or office will survey every possible match. These databases require certain base biographic or recognizing information to acknowledge records from the united watch list.

The Tides: a Poetry Analysis

During the Romantic Period of writing, William Cullen Bryant made the splendid sonnet, â€Å"The Tides. † This particular sonnet is the tale of watching the tides change. The greater part of Bryant’s works are nature-arranged and exploit numerous scholarly terms. â€Å"The Tides† has a noteworthy significance, a few sentimental components, and utilizations numerous artistic gadgets. The general translation of â€Å"The Tides† is about what happens when the tides change. Bryant utilizes incredible depiction in portraying the fierce oceans at elevated tide. Norbert Krapf investigated this sonnet and portrayed the water getting strange, not still and lake like. Krapf 6) The writer gives the water rough qualities. â€Å"His creative mind changes the scene into a picture of impediment and imprisonment† (Krapf 7). The sonnet starts as a quiet, peaceful sea. Progressively all through the story, waters become increasingly fierce stamping as the difference i n the tides from low to high. The importance of â€Å"The Tides† can likewise be profound. As the change to elevated tide strikes, the ocean diminishes its pressure and discharges. People experience precisely the same thing by calming pressure. Norbert Krapf additionally composes that â€Å"The Tides† is incredible and the ocean longs for discharge. (Krapf 7)William Cullen Bryant composed â€Å"The Tides† during the Romantic Era. Bryant gave this sonnet numerous Romantic characteristics. Portraying the ocean previously and during elevated tide sees the demeanor of â€Å"longing for the past† While the ocean is getting rough, there is a feeling of the waters needing to become as peaceful as they were during low tide. The â€Å"love for the regular landscape† is depicted all through the whole span of the sonnet. The storyteller delineates a savage scene of the tides as they change into a lovely scene of nature. Bryant delineates the magnificence of t he ocean and his thankfulness for the ocean.The â€Å"concern for individual freedom† is additionally a sentimental disposition seen in â€Å"The Tides. † The sea waters are depicted as detained and needing to assuage their pressure. At the point when the tides formally change, the ocean turns out to be free and discharges the entirety of its pressure. Numerous abstract terms and gadgets are watched while perusing â€Å"The Tides. † William Cullen Bryant composes this sonnet beginning with measured rhyming and changes to versifying tetrameter. This sonnet is additionally written in ten quatrains. The rhyme conspire ABAB is available in â€Å"The Tides. † Personification is seen ordinarily in this sonnet, for example, in verse eight.Bryant depicts the ocean’s water as a detainee longing for discharge. Run-on lines are utilized all through the sonnet. â€Å"And, with a gloomy groan, abashed, they creep/Back into his inward caves† (Lines 23-24) is a case of a sudden spike in demand for line. â€Å"The Tides pass on through impressionistic symbolism a longing to get away from the draw of vast powers. † (Muller 254) Imagery is utilized vigorously in this sonnet. William Cullen Bryant’s utilization of symbolism makes a striking image of the tides evolving. The tones of this sonnet are excellence, quality, brutality, and serenity.The tides wish for harmony and tranquility, and along these lines long for the low tide to come back once more. This is the subject of â€Å"The Tides. † William Cullen Bryant’s style is seen by his clear words, his rhyme plan, and his affection for nature’s excellence. The artistic gadgets and topics, sentimental components, and general significance of William Cullen Bryant’s sonnet â€Å"The Tides† portray this time period’s composing style. Bryant makes a wonderful bit of writing that makes the peruser consider the distinctive â€Å"thoughts † of a wave when the tides are changing.The love of nature is a sentimental component that is delineated commonly in this sonnet. This gives the sonnet an extremely Romantic inclination. The symbolism Bryant utilizes makes a splendid showing of giving the peruser a delineation of the tides at its break. â€Å"The Tides† is a wonderful work by Bryant and an ideal case of a Romantic sonnet. Works Cited Krapf, Norbert. â€Å"William Cullen Bryant’s Roslyn Poems. † Under an Open Sky, Poets on William Cullen Bryant. New York: The Stone House Press, 1986. Muller, Gilbert H. William Cullen Bryant: Author of America. Albany: State University of New York, 2008.

How to Set Healthy Boundaries When Dealing With Addiction

How to Set Healthy Boundaries When Dealing With Addiction Addiction Coping and Recovery Print How to Set Healthy Boundaries When Dealing With Addiction By Elizabeth Hartney, BSc., MSc., MA, PhD Elizabeth Hartney, BSc, MSc, MA, PhD is a psychologist, professor, and Director of the Centre for Health Leadership and Research at Royal Roads University, Canada. Learn about our editorial policy Elizabeth Hartney, BSc., MSc., MA, PhD Medically reviewed by Medically reviewed by Steven Gans, MD on August 05, 2016 Steven Gans, MD is board-certified in psychiatry and is an active supervisor, teacher, and mentor at Massachusetts General Hospital. Learn about our Medical Review Board Steven Gans, MD Updated on July 31, 2019 Peter Dazeley / Getty Images More in Addiction Coping and Recovery Methods and Support Overcoming Addiction Personal Stories Alcohol Use Addictive Behaviors Drug Use Nicotine Use Its not uncommon for individuals living with an addiction to have problems with boundaries. For the people who love and care about them, establishing and enforcing healthy boundaries can be a challenge. The process can be painful and guilt-inducing. When a person with an addiction is struggling, those closest to them are often willing to allow otherwise problematic behaviors in order to help their loved one find their way. Unfortunately, this often means letting the person cross the line when it comes to certain completely inappropriate behaviors. What Are Boundaries? Simply put, boundaries are limits to what is acceptable or can be tolerated in a relationship. In the literal sense of the word, a boundary is a dividing line that separates one area from another and one that can be marked by a physical barrier like a fence or a road. Without the physical marker, it may not be clear exactly where one area ends and the other begins. In a similar way, when we use the word boundary to describe limits and rules in relationships, some judgment is needed to decide which behaviors cross the line. Herein lies the difficulty that people living with an addiction and their loved ones have with boundaries in their relationships. Boundaries and Addiction Boundaries are very individual, but people with substance addictions and those close to them often have problems with respecting boundaries. Often, areas of difficulty for boundary setting surround the very substances and behaviors at the center of the addiction. Substance abuse and addiction often raise issues of legality that should be addressed with firm boundaries. Common areas where boundaries should be set include: Prohibiting  drunk driving  or driving under the influence of drugs.Bringing  controlled drugs  into someone elses home or vehicle, as this can have legal consequences for the owner.Touching another person with unwelcome sexual or aggressive intent.Using someone else as an alibi to cover up illegal activities. It is never acceptable to implicate another person in illegal activities. Beyond setting boundaries surrounding illegal behaviors, boundaries can and should also be set around issues of safety, health, and even comfort. You define the boundaries in your relationships. Boundaries for Smoking Smoking in someone elses presence, around their children, or in their home are common boundaries for nonsmokers. Smoking is known to cause harm even to nonsmokers, and now its known that not just secondhand smoke but thirdhand smoke is hazardous to health. Personal preference and comfort are also perfectly legitimate rationale for strict boundaries. People with a nicotine addiction may have difficulties with adhering to strict boundaries around their smoking behaviors. When deciding on your boundaries when it comes to smoking, remember that It is completely justified if you feel it should always be off-limits in your presence. Boundaries for Alcohol and Drugs Setting limits on just how much alcohol consumption is acceptable to each person in the relationship is tricky and attempting to control what and how much can be consumed can lead to struggle. In the case where the person with an alcohol or drug addiction may not feel or admit that they have a problem, requesting limits can be both futile and frustrating. It can be embarrassing to be in the company of the person with addiction when they are unable and unwilling to communicate in a meaningful way because they are under the influence. Where drinking and drug use are concerned, you must decide what kinds of behavior are acceptable in your home. Then you must clearly communicate your expectations. Setting and Enforcing Your Boundaries The first step is to set your boundary; the next step is to enforce it. Define and discuss what is acceptable before the communication efforts become stalled or potentially veer into verbal or emotional abuse. Use I statements to express your boundaries directly, honestly, and respectfully. Then, be prepared to clearly state when you feel that the line is being crossed and even to remove yourself from the situation if your boundaries arent respected. Enforcing your boundaries may require enforcing consequences for behavior that violates the boundary.

Lon or On Euphony in French Pronunciation

On  is the French impersonal subject pronoun, and normally shouldnt be preceded by l neither the direct object definite article In Old French,  on  was the subject case for the noun   homme, so  lon  at this time meant  les hommes. When the subject case disappeared in French,  on  stuck around as a pronoun, and retained the ability to take the definite article.  Lon  is much more common in written French than in spoken, because it is a formal, elegant construction, and writing tends to be more formal than speech. Today, this l is simply considered a  euphonic  consonant and is used in the following situations: 1.  After certain monosyllabic words that end in a vowel sound, like  et,  ou,  oà ¹,  qui,quoi, and  si, to avoid a  hiatus. Sais-tu si lon a demandà ©Ã‚  ?   (avoid  si on)   Do you know if someone asked?...et lon a dit la verità ©.               (avoid et on)   ...and they told the truth. 2.  After que, lorsque, and puisque, to avoid the contraction  quon  (sounds like con), especially if the next word begins with the sound con. Lorsque lon est arrivà ©... (avoid  lorsquon)   When we arrived...Il faut que lon comprenne. (avoid  quoncomprenne)   Its necessary for everyone to understand. 3.  At the beginning of a sentence or clause. This usage of  lon  is not a question of euphony, but rather a holdover from  là ©poque classique  and is thus very formal. Lon ne sait jamais.   One never knows.   Ã‚  Lorsque je suis arrivà ©, lon ma dit bonjour.   When I arrived, everyone said hello. Note: For the purposes of euphony,  on  is used instead of  lon After  dont  (le livre dont on a parlà ©)In front of words that begin with  l  (je sais oà ¹ on lit)

Serial Killer Randy Krafts Scorecard

Many serial killers share similar characteristics. One that stands out is their desire to keep an item from their victims and hold on to it like a trophy.  It might be a piece of hair,  the victims drivers license, pictures, intimate apparel, or anything that would help the killer recall the experience. One of the most notorious killers to ever strike in California  was computer programmer Randy Kraft,   who was responsible for killing 16 young men, and suspected of killing up to 50 more. Kraft was also a trophy collector. At the time of his arrest investigators  found over 70 pictures of young men, most who looked unconscious or dead, tucked under the floor mat of his car, under the bare feet of his final victim. More were found inside his home during a police search. A Cryptic Coded List They also found a list inside a briefcase in his car trunk that was separated into two columns and had cryptic words listed under each column - 30 in the left column and 31 in the right column. Investigators referred to it as Krafts Scorecard (see enlarged image  of the actual scorecard)  because they believed it contained references and clues to the identities of  his victims. Some of the entries on the list were easy to connect to unsolved murders, including those  that  matched up with young men found in Krafts pictures. Other connections were ambiguous and failed to  provide enough evidence that would prove the connection in a court of law, although investigators believed the connections to be legitimate. Other entries could never be matched up to any unsolved murders to the frustration of the investigators who had worked years to solve the puzzles. Wishful Thinking or Real Evidence? Below is the Scorecard with the cryptic items listed in the order that Kraft had them listed. The more obvious connections include EDM,  which matched the initials of Edward Daniel Moore.Other notations matched the location of where the victims bodies were dumped, for example, Wilmington connected Kraft to the 1973 murder of John Doe-16 whose body was found in Wilmington. What was most disturbing to investigators were the entries like 2 IN 1 MV TO PL that appeared to represent that there was more than one victim, yet they were unable to connect it to any unsolved murders. What the list did provide were clues to the identity some of Krafts victims that could then be matched (or not matched) through forensic testing of evidence found on and around the victims and in Krafts home. This allowed investigators to charge Kraft with 16 murders, which he was later found guilty of committing. The Scorecard - Warning: Very Graphic Below is the list of the words on the scorecard, in the order that Kraft listed the words. The first column contains the number as it was listed by Kraft, the  second column is the cryptic entry, the third column  are the victims that the police were able to connect to Kraft based on the clue from  the cryptic word. The fourth  column are comments about why the connection was made, or information about the victim or about Kraft in reference to the victim. Cryptic Word(s) Victim Comments 1 STABLE Oct. 5, 1971Wayne Joseph Dukette, 30, of Long BeachBody found nude in south Orange County on the bottom of a ravine off the Ortega Highway. He was killed on Sept. 20.Cause of Death: Acute alcohol poisoning. Dukette worked part-time as a bartender at the Stables Bar in Sunset Beach. His car was found in the bars parking lot.Kraft worked at a bar located next to the Stables and often frequented Stables after work. 2 ANGEL No connection was made to an unsolved case. 3 EDM Dec. 26, 1972Edward Daniel Moore, 20, Marine based at Camp PendletonBody found on the off ramp of 405 and 605 freeways in Seal Beach. Moore died three days before being found.Cause of Death: Strangulation.- A sock was found inside his rectum.- Beaten on the face with possibly a pipe.- Dumped from a moving vehicle.- Bound at the wrists and ankles.- Deep fingernail scratches on testicles.- Bite marks on penis.- Victim was redressed. An instruction book for the harmonica that belonged to Moore was found in Krafts home during a police search.Moore was one of the 16 victims that Kraft was found guilty of murdering. 4 HARI KARI No connection was made to an unsolved case. 5 AIRPLANE HILL Feb. 6, 1973John Doe, Huntington Beach. Around 18 years old.Body found nude laying in an area known as Airplane Hill in Huntington Beach.Cause of Death: Either suffocation or loss of blood.- Ligature marks around his wrist.- Sodomized and emasculated.- Victim was redressed. During the time of the murder, Kraft lived in an area known to residents as Airplane Hill.The victim was one of the 16 victims that Kraft was found guilty of murdering. 6 MARINE DOWN No connection was made to an unsolved case. 7 VAN DRIVEWAY No connection was made to an unsolved case. 8 2 IN 1 MV TO PL No connection was made to an unsolved case. 9 TWIGGIE Nov. 27, 1974James Dale Reeves, 19, of CypressPartially nude body found in Irvine off the San Diego Freeway.Cause of Death: Undetermined-Three-inch round branch projecting from his rectum.- Body was posed in a Y position. Reeves had been at Ripples bar earlier in the day. It is also where his car was found abandoned later that day. 10 VINCE M Dec. 29, 1973Vincent Cruz Mestas, 23,Long Beach State University StudentBody found at the bottom of a ravine in the San Bernardino Mountains.Cause of Death: Strangulation.- His face and head had been shaved.- A sock was found inside his rectum.- A stick or pencil had been forced into his urethra.- His genitals were mutilated.- His hands were cut off.- He had been redressed, except for his shoes and one sock. Kraft lived a few blocks from the victim. 11 WILMINGTON Feb. 6, 1973John Doe 16, around 18 years old.Nude male body found off of the Terminal Island Freeway in Wilmington.Cause of Death: Possible Strangulation- Ligature marks around his neck.- A sock was found inside his rectum. Victim was recognized by some as a prostitute who worked around the Belmont Shore bluffs, which was one of Krafts cruising areas, 12 LB MARINA No connection was made to an unsolved case. 13 PIER 2 Aug. 3, 1974Thomas Paxton Lee, 25, of Long BeachBody found down an embankment under the Long Beach Harbor.Cause of Death: Strangulation. Lee would often cruise Granada Beach and Belmont Shores Bluff which was also areas that Kraft would go looking for one-night stands. 14 DIABETIC No connection was made to an unsolved case. 15 SKATES Jan. 4, 1975John William Leras, 17, of Long BeachBody found in the water at Sunset Beach.Cause of Death: Strangulation- A wooden surveyors stake found inside his rectum. The day before Leras body was found, he was seen getting off of a bus near Ripples Bar, carrying his skates. Kraft frequented Ripples Bar during that time.Two different sets of footprints were found in the sand, indicating that he was carried from a car and dumped into the water. 16 PORTLAND No connection was made to an unsolved case. 17 NAVY WHITE No connection was made to an unsolved case. 18 USER No connection was made to an unsolved case. 19 PARKING LOT May 8, 1975Keith Daven Crotwell, 19, of Long BeachCrotwells severed head was found in Long Beach near the 72nd Street jetty.October 18, 1975: The rest of his body, except for his hands, was found near El Toro.Cause of Death: Accidental drowning Last seen in Long Beach with Kraft on March 30, 1975.Crotwell was unconsciousin the front seat of Krafts Mustang. His friend, Kent May was unconscious in the back seat. The witness saw Kraft pull into the parking lot next to the Belmont Plaza Pool, push May out of the car and drive off with Crotwell.May told police that Kraft supplied drugs and alcohol to him and Crotwell and that he passed out soon afterward, 20 DEODORANT July 29, 1982Robert Avila, 16, of Los AngelesBody was found off the Hollywood Freeway in Echo Park.Cause of Death: Strangulation. Avila was known for his heavy use of deodorant. 21 DOG July 29, 1982Raymond Davis, 13, of Pittsburg, CaliforniaBody found next to another victim in Echo Park.Cause of Death: Strangulation. Davis was visiting relatives in Los Angeles. On the day that he went missing he was going to the park to look for his lost dog. 22 TEEN TRUCKER June 2, 1974Malcolm Eugene Little, 20, of Selma, AlabamaBody found along Highway 86, west of the Salton Sea.Cause of Death: Strangulation.- Body posed.- Emasculated.- Tree branch was jammed inside his rectum. Littles brother was a truck driver who had dropped him off on May 27, 1974, at the Garden Grove Freeway and San Diego Freeway interchange. He was planning to hitchhike back to Alabama. 23 IOWA No connection to an unsolved murder was made. 24 7TH STREET July 28, 1973Ronnie Gene Wiebe, age 20Body found on the 7th Street on-ramp to the San Diego Freeway. His car was found with a flat tire parked at the Sportsman Bar in Los Alamitos.Cause of Death: Ligature Strangulation.- A sock was found inside his rectum.- Suffered a fractured skull from repeatedly being hit on the head with a heavy object.- Hung upside down when tortured.- Bite marks on stomach and penis.- Redressed except for his shoes.- Thrown from a moving vehicle. The connection was based on the code and the location of his body. 25 LAKES MC Sept. 14, 1979Gregory Wallace Jolley, 20, of Jacksonville, FloridaBody was found in the Lake Arrowhead area.Cause of Death: Unknown- Emasculated and mutilated.- Head and legs were removed. Kraft often hunted for Marines. Jolley wore military clothing and told people he was in the Marines.A sketch pad belonging to Jolley was found in Krafts home during a police search. 26 MC LAGUNA June 22, 1974Roger E. Dickerson, 18, Marine at Camp PendletonBody found at Laguna Beach.Cause of Death: StrangulationAutopsy Results- Sodomized and mutilated.- Genitals and left nipple had been bitten and chewed.- Alcohol and diazepam was found in his system, He was last seen on June 20 near a bar in San Clemente. He had planned to hitchhike to Los Angeles. 27 GOLDEN SAILS Jan. 17, 1995Craig Victor Jonaites, 24. Address unknown.Body found in a lot next to the Golden Sails Hotel and Bar on the Pacific Coast Highway in Long Beach.Cause of Death: StrangulationAutopsy Results- The body was fully clothed except for his socks and shoes. The connection was based on the code and the location of his body. 28 EUCLID April 16, 1978Scott Michael Hughes, 18, Marine from Camp PendletonBody found off the Euclid Street on-ramp, eastbound to the Riverside Freeway in Anaheim.Cause of Death: Strangulation.- Emasculated- Diazepam found in system.- The body had been redressed except for his shoe laces which had been removed from his shoes. Rug fibers found at Krafts home matched rug fibers found on Hughes body.He was one of the 16 victims that Kraft was found guilty of murdering. 29 HAWTH OFF HEAD April 22, 1973John Doe 52The torso of the unidentified man was found at Alameda Street and Henry Ford.- Right leg found on Terminal Island Freeway in Wilmington.- Arms, torso and right leg found along a road in Sand Pedro.- Head found near Redondo Avenue in Long Beach.- Left leg found behind the bar, Buoys Shed, in Sunset Beach.- Hands were never located.Cause of Death: Strangulation- Emasculated and mutilated.- Signs of being bound.- Eyelids removed. 30 76 Aug. 29, 1979Victim Unknown (John Doe No. 299)Body found in a dumpster located at Union 76 station and Pacific Coast Highway in Long Beach.Cause of Death: UnknownAutopsy Results- A sock was found inside his rectum.- Head, arms, and legs had been cut off. Only the head, left leg, and torso were found. 31 2 IN 1 HITCH No connection was made to an unsolved case. 32 BIG SUR Aug. 12, 1974Gary Wayne Cordova, 23, of PasadenaBody found down an embankment in southern Orange County.Cause of Death: Acute Intoxication (alcohol and diazepam)Body was dressed except for shoes and socks. Friends say he was hitchhiking to Oceanside. He often talked about Big Sur. 33 MARINE HEAD BP Feb. 18, 1980Mark Alan Marsh, 20,Marine from the El Toro baseBody found in Los Angeles County off Templin Highway and Interstate 5Cause of Death: Unknown- A large object was found stuffed inside his rectum. His head and hands were cut off. Marsh often hitchhiked. He told friends he was going to Buena Park. 34 EXPLETIVE DELETED Paul Joseph Fuchs, 19, of Long BeachLast seen at Ripples Bar in Long Beach on Dec. 12, 1976, Kraft frequented Ripples Bar during that time. 35 FRONT OF RIPPLES No connection was made to an unsolved case. 36 MARINE CARSON June 19, 1978Richard Allen Keith, 20,Marine from Camp PendletonBody found along Moulton Parkway between El Toro and La Paz roads.Cause of Death: Strangulation. He was seen on June 18 hitchhiking from Carson.Keith was one of the 16 victims that Kraft was found guilty of murdering. 37 NEW YEARS EVE Jan. 3, 1976 Mark Howard Hall, 22, of Santa AnaBody found in Bedford Peak at the east end of Santiago Canyon.Cause of Death: Acute Alcoholism and Suffocation. Dirt had been packed into his trachea.- Emasculated and mutilated.- Several parts of his body, including his eyelids, eyeballs and his genitals had been burned with an automobile cigarette lighter.- A plastic object had been jammed into his urethra, penetrating the bladder.- Penis was removed and stuffed into the anus.- Knife scrapes on the victims legs. He was last seen on Jan. 1 leaving a New Years Eve party in San Juan Capistrano.Hall was one of the 16 victims that Kraft was found guilty of murdering. 38 WESTMINSTER DATE Nov. 24, 1979Jeffrey Bryan Sayre, 15, of Santa AnaWas last seen leaving Westminster after his date with his girlfriend. He had intended on taking the bus home, but the buses had stopped running for the night. The connection was made based on the reference to the location he was last seen and the code. 39 JAIL OUT Roland Gerald Young, 23, address unknownBody found on Irvine Center Drive near the San Diego Freeway.Cause of Death: Stabbed in the heart.- Emasculated- He had been redressed. Young had been released just hours before his body was found from Orange County Jail on a misdemeanor violation.Young was one of the 16 victims that Kraft was found guilty of murdering. 40 MARINE DRUNK OVERNIGHT SHORTS June 19, 1979Donnie Harold Crisel, 20, Marine from the Tustin baseBody found on the on-ramp of the Irvine Center Drive to the San Diego Freeway.Cause of Death: Poisoned with alcohol and drugs- Burned on his left nipple with an automobile cigarette lighter.- Ligature marks on neck and wrists. Crisel only had shorts on when his body was found.He was one of the 16 victims that Kraft was found guilty of murdering. 41 CARPENTER No connection was made to an unsolved case. 42 TORRANCE Sept. 30, 1978Richard A. Crosby, 20Body found on Highway 83 in San Bernardino County.Cause of Death: Suffocation- His left nipple was mutilated with an automobile cigarette lighter. On the night he was murdered he had gone to a movie in Torrance. Crosby always hitchhiked.The connection was made based on the reference to the location he was last seen and the code. 43 MC DUMP HB SHORT No connection was made to an unsolved case. 44 2 IN 1 BEACH Feb. 12, 1983Geoffrey Allan Nelson, 18, of Buena ParkNelsons nude body was found on the Euclid on-ramp to the Garden Grove Freeway.Cause of Death: Strangulation.- Emasculated- He was thrown from a moving vehicleRodger James DeVaul Jr. 20, of Buena ParkDeVauls body was found in a ravine in the Angeles National Forest.Cause of Death: Compression to the neck.- Sodomized- Body redressed. Photo of Devaul was found at Krafts apartment during a police search. He appeared dead in the photo. They were two of the 16 victims that Kraft was found guilty of murdering. 45 HOLLYWOOD BUS Aug. 20, 1981 -Christopher R. Williams, age 17Body found in San Bernardino Mountains in San Bernardino County.Cause of Death: Pneumonia due to aspiration.Autopsy Results- Paper was found stuffed in his rectum.- He was dressed except for his shoes, socks, and underwear. Williams was a known prostitute who often hustled customers at the bus stops in Hollywood. 46 MC HB TATTOO Sept. 3, 1980Robert Wyatt Loggins, 19, a Marine from the Tustin baseBody found nude inside of a trash bag in an El Tor housing project.Cause of Death: Acute intoxication- Signs that a sock had been stuffed into his rectum. Loggins had a large tattoo on his arm. He was last seen near the Huntington Beach Pier.A picture of Loggins was found under the floor mat of Krafts car. In it, he appeared nude, posed, and dead.He was one of the 16 victims that Kraft was found guilty of murdering. 47 OXNARD No connection was made to an unsolved case. 48 PORTLAND ECK Name unknown. OregonJuly 18, 1980: Body found off Interstate 5 in Woodburn, OregonCause of Death: Strangulation 49 PORTLAND DENVER July 17, 1980Michael Shawn OFallon, 17, ColoradoCause of Death: Strangulation- Sodomized- Alcohol and diazepam found in blood stream. He was hitchhiking from Denver to in the northwest.OFallons camera was found in Krafts apartment during a police search. 50 PORTLAND BLOOD April 10, 1981Michael Duane Cluck, 18Body found near Interstate 5 in Goshen, OregonCause of Death: Bludgeoned to death- Sodomized- Bludgeoned 31 times in the back of the head. Prosecutors made the connection because this was the bloodiest of all of the 45 crime scenes.A shaving kit with the name Mike Cluck printed on it was found in Krafts bathroom during a police search. 51 PORTLAND HAWAII Dec. 9, 1982 -Lance Trenton Taggs, 19, OregonBody found near Wilsonville, OregonCause of Death: Unknown- A sock was stuffed inside his rectum.- The body had been redressed. Taggs had a bag with Hawaii printed on it which was found at Krafts house during the investigation. Taggs was also wearing a shirt with Hawaii printed on it. 52 PORTLAND RESERVE Dec. 18, 1982Anthony Jose Silveira, 29Body found nude near MedfordCause of Death: Strangulation- Sodomized. Also found with a toothbrush stuffed into a body cavity. Silveira had recently completed National Guard duty. He was last seen on Dec. 3, hitchhiking to a Guard drill in Medford. 53 PORTLAND HEAD Nov. 28, 1982Brian Harold Witcher, 26Body found near Interstate 5 near Wilsonville, OregonCause of Death: UnknownWitcher was thrown from a moving vehicle.His body was fully clothed except for socks and shoes. Witcher was last seen in Portland, Oregon before he was murdered.No connection to the HEAD in the code has been made. 54 GR 2 Dec. 9, 1982 (Cousins)- Dennis Patrick Alt, 20, of Comstock Park, Michigan- Christopher Schoenborn, 20, of Conklin, MichiganTheir bodies found in a field several miles from their hotel in Grand Rapids. They were attending a convention.Alt died from asphyxia by choking. His body was clothed except his genitals were exposed. His boots were also missing.Schoenborn died from strangulation. His body was nude and had a pen stuffed into a body cavity. Evidence linking Kraft to the murders includes witnesses who saw Kraft and the two victims talking together in the hotel bar the night before they were murdered.Alts car keys were found in Krafts hotel room after he checked out on Dec. 8.A bottle opener that belonged to one of the victims and Schoenborns jacket were found in Krafts home in Long Beach. 55 MC PLANTS No connection was made to an unsolved case. 56 SD DOPE Jan. 19, 1984Mikeal Laine, 24, of ModestoSkeletal remains found in the mountains near Ramona in San Diego County.He had a history of using illegal drugs. 57 HIKE OUT LB BOOTS July 8, 1978Keith Arthur Klingbiel, 23, of Everett, WashingtonBody found on the road of Interstate 4 near the La Paz exit near Mission Viejo.Cause of Death: Drug poisoning and strangulation- His left nipple was burned with an automobile cigarette lighter.- He was thrown from a moving vehicle- A bootlace was missing from his left hiking boot.- A Long Beach matchbook was found in his pocket. Klingbiel was one of the 16 victims that Kraft was found guilty of murdering. 58 ENGLAND No connection was made to an unsolved case. 59 OIL No connection was made to an unsolved case. 60 DART 405 Nov. 18, 1978Michael Joseph Inderbeiten, 20, of Long BeachBody dumped during rush hours at the Seventh Street off-ramp, intersection of the San Diego Freeway and 605 freeways.Cause of Death: Suffocation- Sodomized- Scrotum and testicles had been removed.- Penis appeared skinned.- Victim was alive during emasculation.- Victim impaled with a large object in rectum.- Deep burns made with a cigarette lighter found on his nipples.- Body was nude except for his pants that were pulled down below the waist. Inderbeiten was one of the 16 victims that Kraft was found guilty of murdering. 61 WHAT YOU GOT No connection was made to an unsolved case. Kraft was charged with 16 murders, 14 of which were connected through the list.  He has always maintained that he was innocent and told investigators that the list referred to various gay relationships that he had been involved in and shouldnt be taken seriously.He was charged with murdering 16 young males, mostly from southern California.  Victims and their number on the list: (3) Edward Daniel Moore, (39) Roland Young, (24) Ron Wiebe, (28) Scott Hughes, (36)  Richard Keith, (19) Keith Crotwell, (37) Mark Hall, (46) Robert Loggins, (40) Don Crisel, (60) Michael Inderbeiten, (44) Geoff Nelson, (44) Roger DeVaul, (5)John Doe, (N/L)  Kevin Bailey,  (57)  Keith Klingbeil, (N/L) Eric Church, (N/L) Terry GambrelTwo victims Kraft was convicted of murdering (Eric Church and Terry Gambrel) were not on the list, or at least investigators could not make a connection.  A jury  found Kraft guilty and on  November 29, 1989, he was  sentenced to die.

The 20th Century State of the American Dream Free Essays

The American dream has always been a popular and typical subject matter in literature and arts in the United States. Though not a lot of people may be able to define the term in technical detail, Americans certainly know it by heart. The American dream has grown to a multitude of meanings over the years. We will write a custom essay sample on The 20th Century State of the American Dream or any similar topic only for you Order Now A 15-year old girl may see the American dream as winning Ms. USA and being able to represent her country in front of the whole world. A young college student on the hand may see it as finding the most promising job and succeeding in his dream profession someday. While a newly wed man may see the American dream as acquiring his own house and property in a typical sub-urban area where he can start his life with his family calmly and peacefully. These are just some possible faces of American dream based on the perspectives of Americans from different walks of life. However, the real and concrete definition of ideal may not be that certain. The American dream have also been observed to evolve through the years since it has to base itself on the necessity of the American society. And considering the current state of the American society in this modern age of the 20th century, the American dream can be easily seen as the vision of America as an economically stable, politically peaceful and societally harmonious nation. In this light, one may easily see how the different sectors of the country contributes to the achievement of this dream. However, although it can be observed that all of the American’s visions are directed to this goal, there may still be things that hinder the achievement of this ultimate dream. In Loren Hickock’s letter to Harry Hopkins in 1934 reveals the state of America, and this was reflected in this statement: â€Å"A Promised Land, bathed in golden sunlight, is rising out of the grey shadows of want and squalor and wrethchedness down here in the Tennessee Valley these days† (Hichock, 1934). The United States of America as the nation on which the roots of the state if Tennessee stands was evidently described as a gifted nation showered with golden sunlight. This entails a lot of positive things. This can entail how rich the soil of America is, and this can entail how great it natural resources are. This could have made the American Dream reachable if only the showers of the golden sun was put to good use. In the same letter by Hickock, she describes the state of American farm lands in Tennessee and how these lands, despite their arability and richness do not even grow sufficient crops for people to consume. Hickock writes, â€Å"Crops grown on it are stunted. Corn, for instance, grows only about a third as tall there as it does in Iowa. They tell me it isn’t even good timber land. Just a thin coating of soil over rock. † (Hickock, 1934). This was during the 1930s. The situations at present may already be the same, but these confessions may reveal a pre-existing predicament which may have found its way to the roots of all Americans. A similar situation to this which can be seen to hinder America in achieving its ultimate dream is people’s waste of resources. Just like the failure of earlier Americans to maximize the capacity or arable lands in Tennessee, American nowadays are suffered with debts and unnecessary financial debts that eventually make them fail in balancing and maximizing their prime resource which is money. Aside from the dilemma on resources, one of the most significant dilemmas of Americans that may have hindered them for so long in achieving the American dream is racism and discrimination on religion. The popular men’s magazine in the US, Playboy conducted an interview with Malcolm X regarding the state of racism in America. During the 1960s. In Malcom X’s answers, his view of the American dream was clear; however, the destruction of this dream was depicted even clearer. Malcom X says: â€Å"Freedom, justice and equality are our principal ambitions[†¦ The white man has taught the black people in this country to hate themselves as inferior, to hate each other, to be divided against each other[†¦ ] the brainwashed black man can never learn to stand on his own two feet until he is on his own. We must learn to become our own producers, manufacturers and traders; we must have industry of our own,to employ our own† (â€Å"Playboy Interview Malcolm X, Alex Ha ley†, 1963). In these lines, the division between black and whites Americans was very apparent. It seemed like these people were living in two separate nations, when in fact, there were sharing one ground. Hence, there was practically no concrete sense of unity during that time. And although most Americans would claim that racism has finally found its end in the country, it can never be denied that it has created a serious scar in America’s history. That although the current American society may be doing everything to heal the issue, the scar will always be there and it will never be erased in America’s face. This can also be one of the most significant and considerable hindrances of achieving the American dream. Today, almost everything is being commercialized already. Everything seems to have a price tag. Because of this, people are becoming more and more competitive against each other to the extent that human rights violations are committed against their own countrymen. Evidently, in this kind of situation, achieving the ultimate American dream would be impossible. America has always been deemed as the land of the free. But considering how pressured, restrained and oppressed people are now due to financial debts, poltical predicaments and economic instability, America may not be totally free after all. At least not yet. This picture can be easily seen in this statement of Hickock in the same letter she sent to Hopkins: â€Å"And all over the state, in rural areas, the story is the same– an illiterate, wretched people, undernourished, with standards of living so low that, once on relief, they are quite willing to stay living so low that, once on relief, they are quite willing to stay there for the rest of their lives. It’s a mess† (Hickock, 1934) How to cite The 20th Century State of the American Dream, Papers

Without Atmosphere a Painting is nothing Essay Example For Students

Without Atmosphere a Painting is nothing Essay As a result, the painting stands amongst the likes of Mona Lisa and other highly ammos paintings today. American Gothic by Grant Wood American Gothic by Grant Wood is one tooth most famous painting in the history of arts, The Art Gallery of Chicago is the place where American Gothic was displayed for the very first time and it is the very gallery that still keeps the painting. In search of visiting a fine piece of art, in person, visited the Art Gallery of Chicago. There, along with many other paintings, American Gothic was also displayed for the visitors to see. We will write a custom essay on Without Atmosphere a Painting is nothing specifically for you for only $16.38 $13.9/page Order now Experiencing American Gothic through Computer VS. in Person When visited the gallery 263 and finally looked at the American Gothic painting y myself, realized the importance Of seeing an artwork by ones own eyes instead of looking at in on a computer or in books. The painting made that was Oil painted on Beaver Board was 78 x 65. 3 CM in size and there was the signature of Grant Wood on the lower right corner on the canvas along with the year 1930. Since I was there just to see and analyze the American Gothic, I stayed in front of the painting after other visitors moved towards other paintings. Masterpiece Turned Into Senseless Parodies As we all know there have been countless parodies of the American Gothic out here, some of which are harmless parodies while many of them are totally absurd attempts. After looking at the painting for several minutes got a bit uncomfortable because found the two characters (Painters sister and his dentist) a bit creepy. The way the lady is looking at her tatter, who seems to be a hardworking farmer, and way the farmer is looking at us holding a pitchfork in his hand is what gives the painting another meaning than just two individuals standing in front of a farmhouse made using Carpet Gothic style. However, creating parody after parody by different people is what I find disrespectful to he legendary art such as this one. If you praise something you should respect it and not make fun of it or use it is a source of humor because I found everything in the American Gothic but humor. Existence of Conflict in Concern with the Expectations of Society Earlier we have discussed themes and roles Of the artist that conflicted within the expectations of society. If eve talk about whether or not the American Gothic had elements that conflicted Within the expectations Of society, we would have to say yes. For the reason that not everyone sees a particular thing in the same way, various people receive certain things in different manners. Same is the case With American Gothic as Landau, in one of her most interesting articles said that; Some perceived the work as a scathing parody of the Midwest?one outraged farm wife even threatened to bite off Woods ear. (Landau, 2012) The Fame and Acceptance Earned By the Artwork There is a complicit that American Gothic holds within the expectations of society, However, the amount of praise this painting has received completely outweighs the negative remarks or reviews that it received. As Landau mentions n the very article Honest and Creepy, Satire and Homage: Grant Woods American Gothic: Weanling, Gertrude Stein and other critics praised the painting as a cutting small-town satire, the visual equivalent of Sinclair Lexiss Main Street. Still others saw the painting as honoring the Midwest and its strong values. She furthermore said; During the Great Depression, the masterpiece gave hope to a desperate nation, and it helped shape the notion of the Midwest as a land of hard work and honest values Today, the painting is firmly embedded in our cultural vocabulary. (Landau, 2012) Without Atmosphere a Painting Is Nothing It is apparent that Wood believed that the environment Off painting is the most important element of a painting. This particular painting proves this point as the painter chose his dentist and his sister as his subjects just because there was no other model available to pose for the painting in front of the wood farmhouse. .ue2e867d179437fc80bd2e1dc3c1cc0df , .ue2e867d179437fc80bd2e1dc3c1cc0df .postImageUrl , .ue2e867d179437fc80bd2e1dc3c1cc0df .centered-text-area { min-height: 80px; position: relative; } .ue2e867d179437fc80bd2e1dc3c1cc0df , .ue2e867d179437fc80bd2e1dc3c1cc0df:hover , .ue2e867d179437fc80bd2e1dc3c1cc0df:visited , .ue2e867d179437fc80bd2e1dc3c1cc0df:active { border:0!important; } .ue2e867d179437fc80bd2e1dc3c1cc0df .clearfix:after { content: ""; display: table; clear: both; } .ue2e867d179437fc80bd2e1dc3c1cc0df { display: block; transition: background-color 250ms; webkit-transition: background-color 250ms; width: 100%; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #95A5A6; } .ue2e867d179437fc80bd2e1dc3c1cc0df:active , .ue2e867d179437fc80bd2e1dc3c1cc0df:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #2C3E50; } .ue2e867d179437fc80bd2e1dc3c1cc0df .centered-text-area { width: 100%; position: relative ; } .ue2e867d179437fc80bd2e1dc3c1cc0df .ctaText { border-bottom: 0 solid #fff; color: #2980B9; font-size: 16px; font-weight: bold; margin: 0; padding: 0; text-decoration: underline; } .ue2e867d179437fc80bd2e1dc3c1cc0df .postTitle { color: #FFFFFF; font-size: 16px; font-weight: 600; margin: 0; padding: 0; width: 100%; } .ue2e867d179437fc80bd2e1dc3c1cc0df .ctaButton { background-color: #7F8C8D!important; color: #2980B9; border: none; border-radius: 3px; box-shadow: none; font-size: 14px; font-weight: bold; line-height: 26px; moz-border-radius: 3px; text-align: center; text-decoration: none; text-shadow: none; width: 80px; min-height: 80px; background: url(https://artscolumbia.org/wp-content/plugins/intelly-related-posts/assets/images/simple-arrow.png)no-repeat; position: absolute; right: 0; top: 0; } .ue2e867d179437fc80bd2e1dc3c1cc0df:hover .ctaButton { background-color: #34495E!important; } .ue2e867d179437fc80bd2e1dc3c1cc0df .centered-text { display: table; height: 80px; padding-left : 18px; top: 0; } .ue2e867d179437fc80bd2e1dc3c1cc0df .ue2e867d179437fc80bd2e1dc3c1cc0df-content { display: table-cell; margin: 0; padding: 0; padding-right: 108px; position: relative; vertical-align: middle; width: 100%; } .ue2e867d179437fc80bd2e1dc3c1cc0df:after { content: ""; display: block; clear: both; } READ: Sale of Mr. Woodburn's Pictures EssayWood took help of his mother in making his paintings as she would agree to become the subject for many of Woods paintings. However. While Wood decided to paint the American Gothic, he realized that his mother wont be able to stand in the field for that long while he paints, so he chose his sister instead. Wood chose his dentist and his sister because he couldnt afford to lose the opportunity of painting the Carpenter Gothic style farmhouse that he came across while visiting the small town to Eldon in his native Iowa. This reminds me of a quote by Rembrandt Harmonize Van Iris, which seems completely fitting to what Grant Wood was all about: Without atmosphere a painting is nothing. Rembrandt Harmonize Van Iris Woods imagination was wide-ranging. He foresaw the fame and acceptance that this particular painting will get by analyzing the environs around the wood farmhouse. When he saw the houses strange yet compelling arched window in the Carpenter Gothic style, the first thing that came to his mind was to find out what sort of people lived there. However, instead of knocking on the door, the painter decided to capture the farmhouse in paint and tease out the story for himself in effort to sort through the puzzle, piece by piece. (Landau) l imagined American Gothic people with their faces stretched out long to go with this American Gothic house. Grant Wood. Final Words American Gothic doesnt fall in the category Of Primitive art as the elements t holds are usually found in such paintings and artworks that are related to modernism.

Business Analysis of Apple Inc. free essay sample

Business Analysis of Apple Incorporated Sarah Norton MGT/521 May 16, 2011 Jerry Davis Business Analysis of Apple Incorporated Apple Incorporated is a company that has made their mark in designing and marketing electronics, computer software, and personal computers. Some of Apple Incorporated’s most notable products include the Macintosh computer, the iSeries; iPod, iPhone, and iPad. Along with these computer applications Apple Incorporated also runs the iTunes store; a multimedia site where music, movies, and television shows. There branding genius has led to $65. 23 billion dollars in sales in 2010. Looking at Apple Incorporated as a mutual fund manager it is important to perform a business analysis of the company to decide if it is wise to invest in this company. SWOT Analysis The strength of Apple Incorporated includes strong brand image and marketed financial performance. Weaknesses of Apple Incorporated are product recall and the competitive market of electronics including IBM, HPQ, and Dell. Opportunities for Apple Incorporated include demand for smartphones and continued growth of need for mobile computers as society has become more mobile and needs for technology flourish. We will write a custom essay sample on Business Analysis of Apple Inc. or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page Threats to the growth of Apple Incorporated include competition, dependence on specific suppliers, and environmental concern that Apple Incorporated is not a green company. The stakeholders of Apple Incorporated include shareholders, lenders, apple employees, manufacturers and their employees, customers, suppliers, and the music industry. All stakeholders have unique interests in the productivity and development of Apple Incorporated products. Shareholders are looking for growth and the chance to gain a return on their investments. As the company grows and earns more money stock goes up and gives shareholders confidence in Apple Incorporated Lenders have vested interest on success and innovation of Apple Incorporated because the institutions want the company to succeed and can repay debts earned. Employees of Apple Incorporated need the business to succeed so they can continue to have solid jobs in the industry. There are currently 46,660 full-time and 8000 part-time employees at Apple Incorporated. Manufactures and their employees need Apple Incorporated to continue to make product to keep their businesses flourishing and retain employment. Suppliers of Apple Incorporated products need the business to flourish so they can bring product to market. Last the music industry has vested interest in Apple Incorporated to continue to provide services that will expand their businesses and revenue. Currently music labels earn approximately 70% of the revenue- driven by downloading signed artist music. With the music industry’s reliance on moving with technology for profit, they see a need to fulfill customer’s wants of being able to get the music he or she want to purchase with speed and ease. The importance of all stakeholders who would be affected by Apple Incorporated’s growth and development makes it very important to evaluate wisely SWOT data to see if it would be acceptable to invest further in the company. Investing in Apple Incorporated Apple Incorporated’s strength’s lies in its branding platform. Their logo of a bitten apple is recognized globally. The iSeries continues to be in high demand and held as the gold standard. Sleek, colorful design and touch screen application are some of the offerings brought to market from Apple Incorporated Sales have continued to explode with each new generation of products released. Apple Incorporated continues to work on more innovated products that would allow for multiple systems usage on one computer. This would allow the customer to use Apple Incorporated MacIntosh PCs in conjunction with Microsoft. This would allow the customer a choice to use the best application to complete projects and mesh existing paperwork together. Apple Incorporated’s financial performance continues to grow exponentially earning $24,578 million total revenue in 2007 to $42,905 million total revenue in 2009. This is a growth rate of 32. 1%, giving shareholders confidence in the growth of Apple Incorporated. The weaknesses of Apple Incorporated include product recall; Apple Incorporated’s products are complex in nature and made by third party manufacturers. When recalls ensue it is damaging to Apple Incorporated’s reputation and can lead the customer to one of many competitors. Apple Incorporated must stress the importance of quality control and provide immediate rectification to any products that do not produce acceptable standard. Apple Incorporated continues to capitalize on the need of mobile phones and PC’s. As businesses continue to grow globally, immediate feedback is desired and communication is essential. Some common threats to Apple Incorporated’s success are problems that plague most businesses; competition, many brand name companies are following the trends of Apple Incorporated development. Apple Incorporated has to continue to be on the forefront of innovative ideas. Specific suppliers not living up to high standard must be investigated and may lose the ability to provide Apple Incorporated services to the customer. They perform monthly audits and training to their supplier staff for proper treatment and expectations in the workplace. Apple Incorporated has been scrutinized in the past for not being a green company. Apple Incorporated has addressed the concerns about being environmentally friendly and posts updates of their progress directly on their website. Apple Incorporated have also began a on old system by back program, producing energy efficient products which take little energy to run, added motion sensor lighting to their plants, and provide transit incentives for all United States employees to car pool or use biodiesel commuter buses. Financial Analysis Comparison To understand the financial means of a company, reviewing the income statement, balance sheet and cash flow clearly defines if the company is worth investing in. When considering investing money and time to a particular company, it is good to compare that companies financial reports with their biggest competitors. Financial Report: Companies |Apple 2010 |Apple 2007 |IBM 2010 |IBM 2007 |Dell 2010 |Dell 2007 | | INCOME STATEMENT- all number’s in millions Total Revenue |65,225 |24,578 |99,870 |98,786 |61,494 |57,420 | |Gross Profit |25,684 |8,152 |46,014 |41,728 |11,396 |9,516 | |Operating Income |18,385 |4,407 |18,150 |13,516 |3,433 |3,070 | |Income Before Tax |18,540 |5,006 |19,723 |14,489 |3,350 |3,345 | |Income After Tax |14,013 |3,495 |14,833 |10,418 |2,635 |2,583 | |Net Income Before extra items |14,013 |3,495 |14,833 |10,418 |2,635 |2,583 | |Net Income |14,013 |3,495 |14,833 |10,418 |2,635 |2,583 | | BALANCE SHEET Total Current Assets |41,678 |21,956 |48,116 |53,177 |29,021 |19,939 | |Total Assets |75,183 |25,347 |113,450 |120,432 |38,599 |25,635 | |Total Current Liabilities |20,722 |9,280 |40,562 |44,310 |19,483 |17,791 | |Total Liabilities |27,392 |10,815 |90,404 |91,960 |30,833 |21,196 | |Total Equity |47,791 |14,532 |23,046 |28,469 |7,766 |4,439 | |Total Liabilities Shareholder’s Equity | 75,183 | 25,347 | 113,450 | 120,430 | 38,599 | 25,635 | | CASH FLOW Cash From Operating Activities | 18,595 | 5,470 | 19,549 | 16,088 | 3,969 | ,969 | |Cash From Investing Activities | -13,854 | -3,249 | -8,507 | -4,675 | -1,165 | 1. 003 | |Cash From Financial Activities | 1,257 | 739 | -12,429 | -4,740 | 477 | -2,551 | |Net Change in Cash | 5,998 | 2,960 | -1,522 | 6,969 | 3,278 | 2,492 | | The above data outlines a stark contrast between all three competitors. Looking at the income statement; Apple Incorporated’s total revenue grew from $25 million in 2007 to $65 million in 2010. In compa rison, IBM’s total revenue only grew from $98 million in 2007 to $99 million in 2010. Although IBM’s revenue is considerably higher they have stayed flat over the past four years where Apple Incorporated has more the doubled. Dell’s revenue in 2007 was $57 million and $61 million in 2010. This is very small increase in four years and Apple Incorporated has now surpassed Dell in revenue earned. Looking at net income, Apple Incorporated has grown from $3. 5 million to $14 million, this a market gain of three times their total profit in four years. IBM and Dell have stayed flat and not markedly increased their net incomes. Comparing the balance sheets of each company, the total liabilities and share holder equity has again grown three times for Apple Incorporated from $25 million in 2007 to $75 million in 2010. IBM has decreased from $120 Million in 2007 to $113 million in 2010. Dell has not decreased but has shown marketable change going from $25 million in 2007 to $38 million in 2010 compared to Apple Incorporated. Cash flow between 2007 and 2010 for each company is vastly different. Apple Incorporated net change in cash went from $3 million to $6 million. IBM’s cash flow decreased from $7 million to -$1. 5 million and Dell’s growth was again minimal from $2. 5 million in 2007 to $3 million in 2010. Analyzing the financial data of the three companies, Apple Incorporated, IBM, and Dell it becomes apparent that Apple is far exceeding expectations of growth and development in the past four years. With new products in the pipeline and investing $14 million in 2010 in to new product development compared to IBM’s investing of $8. 5 million and Dell’s $1 million, it gives shareholders confidence that Apple Incorporated will continue to grow and become a strong leader in the business. Investing in Apple Incorporated’s Future. Evaluating the SWOT information and the financial comparison of their biggest competitors, Apple Incorporated, will continue to be a market leader. Committed to growth, innovation, development, and green initiatives, weighing the increased profitability over the past years and the production of new software that can be used on all systems from Macs to Window’s application, it appears that Apple Incorporated would be a great company to invest in. References Abimbola, T. (2010). Brand Strategy as a Paradigm for Marketing Competitive. Journal of Brand Management, 18( ), 177-179. Apple Inc. (2011). Apple and the Environment. Retrieved from http://www. Apple. com Schultz, P. , Helicoid, D. Journal of Critical Incidents, 3( ), 42-49.

Democracy vs Dictatorship essays

Democracy vs Dictatorship essays Imagine the next time you step into the voting booth your ballot only lists one candidate to choose from. Or perhaps your ballot lists four candidates, but they are all from the Liberal party. Dictatorships are one party political systems that are ruled by one leader or an elite group of people under the principle of authoritarianism. Some feel that dictatorships are the most effective form of government because decisions are made quickly and extreme nationalism benefits the military and economy. These individuals value order, nationalism, and authority. However, these systems often result in violence, repression of the public, and few provisions for changes to the system. Democracies are multiparty political systems that rest on the principle of rule by the people. Most people that live in democracies have civil liberties1, and political rights2. Individuals who feel that multiparty systems are the best government value equality, accountability, and freedom. Nations that have multip arty political systems will meet the needs of the public better through the means of political equality, a higher standard of living3, and civil liberties. Dictatorships often occur when a nation is economically and politically unstable. An example of this is Napoleons coup d etat in 1799 France. In a system of authoritarian rule decisions are made efficiently because very few people are involved in the decision making process. The leader or elite group at the head of the government decides on new policies and economic measures, then makes sure that the public abides by them by using tactics of force and indoctrination. Dictatorial systems have helped nations recover from economic turmoil many times in the past. The extreme nationalism that is born from propaganda and government sponsored youth organizations encourages people to work harder for the benefit of their country. Newly motivated work forces easily meet their production goals. If th...

Wild Frontier Pt. 3 Assignment Example | Topics and Well Written Essays - 750 words

Wild Frontier Pt. 3 - Assignment Example WSS as it integrates the intranet and web applications will make it easier for the company to deploy their applications. The organization’s intranet can be accessed from anywhere by its employees. Uploading the web applications on the intranet makes it easier for the remote offices to access these applications without them necessarily being installed on the local machine (Husman, 2007). Windows SharePoint Services are used for creation, management and sharing of documents. Like any other organization, Wild Frontier has several departments and these departments are interconnected both in the headquarters and field offices. The finance department in the remote office should be able to access the records at the headquarters, and this can be accomplished using SharePoint. Employee A at the headquarters will upload a document on the SharePoint workspace of the finance department and Employee B in one of the field offices accesses it via the intranet. On this very document, Employee B can make changes and save these changes (Husman, 2007). This means that there are two different people working on the same document- each at a time- this avoids duplication of work. The advantage is that SharePoint has document versions and if one does not like the current edited version, they can revert back to the previous version without redoing the whole document. The management wants to make use of the same number of printers with the increased taskforce and field offices. To be able to accomplish this, the printers will have to be connected on a network. Having the printers connected to a common network will make it easier for the employees to print on any machine in the building as long as the printer is configured on the user’s machine or laptop. Additionally, if the printers enable the users to print wirelessly then this makes the whole printing process much faster and convenient. This will see to it that some of the printers are moved

Quantitative Critique Nursing Research Paper Example | Topics and Well Written Essays - 1000 words

Quantitative Critique Nursing - Research Paper Example Jemmott is with the school of nursing in the University of Pennsylvania and was the lead author in overall aspects of the study including the intervention procedures and training of facilitators. John B. Jemmott III is with the University of Pennsylvania as well but under Annenberg School for Communication. J. B. Jemmott III assisted in aspects of the study concerning design, measures, and data analysis. Meanwhile, Ann O’Leary is with the Centers for Disease Control and Prevention in Atlanta Georgia and also assisted in the development of intervention procedures and measures and the application of social cognitive theory(Jemmott, Jemmott & O'Leary, 2007, 1040). The authors’ qualifications and preparations were brief, specific, and clearly stated. It was brief because only needed information such as educational qualification is identified. Also, the authors’ preparation were not elaborated and focused only on their distinct role in research. The descriptions of au thors’ were specific as the university to where they belong was also clearly stated. The authors’ qualifications and preparations do not determine the validity and reliability of the study(Hoskins & Mariano, C., 2004, 72) but their background information is relevant to the readers as it will determine sufficiency and relevance of information presented. Title and Statement of the Purpose and Problem Background The title of the study is â€Å"Effects on Sexual Risk Behavior and STD Rate of Brief HIV/STD Prevention Interventions for African American Women in Primary Care Settings.† According to Loiselle, McGrath, Polit & Beck(2010), clarity, research problem visibility, and study population must be considered in critiquing the title of the study (p. 359). The study title presented above is clear and specific as it does not only focused on general behavior but to the specific sexual risk behavior and STD rate of brief HIV/STD prevention interventions. The title itse lf also suggests the research problem which is measuring the effects of behavioral interventions. It was also clearly noted in the title that African women in the primary care settings would be the target population for the study. The purpose of the study must be clearly stated and consistent with the background study presented (Brockopp & Tolsma, 2003, 407). The purpose of the study was clearly stated and was designed to test the efficacy of brief HIV/sexually transmitted disease (STD) risk-reduction interventions among African women in primary care settings. The study was in congruence with the background data as the background itself entails the alarming statistics of STD/HIV occurrences among African women in primary care settings and the interventions or measures addressed by the health care provider to reduce the risk of disease-occurrence. Literature Review and Conceptual Framework If one would have look for the subparts literature review and theoretical framework, one may no t able to see it directly in the study as literature reviews are integrated in various parts of the study, particularly in the background of the study.

Meaning Of Employee Voice Commerce Essay

Meaning Of Employee Voice Commerce Essay Collective voice achieves what a lone voice could never do. Collective representation is also the foundation of a partnership relationship between employers, employees and unions that bring positive benefits for the business (Prosser, 2001). Throughout the twentieth century collective bargaining was the most significant means of regularity relationships in UK between employers and employees via trade union. In continental Europe there is more emphasis on employee voice having some role in the practice of companies. As defined by Boxall and Purcell (2003): Employee voice is the term increasingly used to cover a whole variety of process and structures which enable, and sometimes empower employees, directly and indirectly, to contribute to decision making in the firm. This essay will be focusing on the key areas such as Meaning and Purpose of employee voice, the frame work of employee voice, mechanisms and the impact of employee voice on unionised and non-unionised organisations. Meaning of Employee Voice Voice is a term that has been more widely used in the practitioner and academic literature on Human Resource Management and Industrial Relations in recent years (Breadwell 1998, Sako1998, Benson2000: Roche, 2000). According to Hirschmans classic study (1970) of African railways, he said that voice is an option for customers in a context of how organisations respond to decline, since then the term as been used in different applications. But Freeman and Medoff (1984) argued that it would be better for both the employer and employee to have a voice mechanism. Employee voice is said to be a two way communication process between the employer and the employee, in which the employers communicate to their employees as well as receiving or listening from the employee. Employee voice is one of the most important characteristics of employee participation. Employee voice mainly focuses on how employees can be part of decision making in the firm, which can be done through trade unions or by any other means of support. Employee Voice can be reached out by different forms of medium, but the main forms of means stated by (Millword et al.(2000)) are via trade union membership, recognition and representation, via indirect or representative participation mechanisms such as joint consultation and via direct employee involvement in the management .Freeman and Medoff( 1984) believed that trade unions were one the best means of approach for the employees to put there point across to the management as they remained independent . Purpose of Employee Voice Four main purpose of Employee voice according to Michael Armstrong (2006) First voice talks about Individual Dissatisfaction, in this type the main aim is to solve a problem or an issue with the management, like finding expression in a grievance procedure or speak up programme. The second voice talks about expression of collective organisation where voice provides a countervailing source of power to management, which is either done with the help of unionisation and collective bargaining. This can be related to Freeman and Medoff theory. The third voice is about contribution in management decision making, the main purpose is concerned with decision making which is generally regarding work organisation, quality and productivity. This view is evident in high involvement. Fourth voice is all about mutual understanding between the employees and the employer. Basically it is a form of mutuality, with partnership seen as delivering viability for the organisation and its employees. Types of Employee voice There are various forms of Employee voice. Lewin and Mitchell (1992) distinguished voice between mandated voice (e.g. co-determination and legislation) and voluntary voice (e.g. collective bargaining and grievance procedures). The framework for employee voice has been modelled by Marchinglon et al (2000) Voices can be divided into two different parts: Individual- which is purely based on employees. Collective- which is based on unions or any forms of groups. Shared and Contested Agenda- which covers four ideal types which are upward problem solving, grievance process, partnerships and collective bargaining. Organizations can see one of these dimensions, whereas organization can have more than two dimensions at the same time. This frame work of voice is more on the broader perspective and systematic. Mechanisms of Employee Voice Employee voice mechanisms can be divided into three categories: Upward Problem Solving- refers to an technique in which managers use to tap into employees ideas and opinions, either through two way communication or through any specific systems set up for the employees to express their voice, it is structured such that it can be operated directly between managers and employees rather than any employee representatives. Techniques included in upward problem solving are: -Electronic media: sharing and seeking of ideas via electronic means such as email. -Two-way communication: sharing and seeking ideas face to face between managers and staff to whom they report, e.g. By having one on one interaction or by regular meetings. -suggestion schemes: where each of the employees put their ideas and suggestion to the management, who then make sure the relevant ideas are implemented. -Attitude Survey: is basically sending out questionnaires or conducting survey to check on the level of satisfaction with a particular aspect of work or organization. -Project Teams: group of employees brought together to discuss quality of work in the organization or any issues regarding the organization. b) Representative Participation- refers to a scheme in which the employee representatives meet up with the managers on a regular basis. The main characteristic of that there is no direct involvement of the employees and their managers. Techniques used in Representative Participation are Partnership schemes, European work council, Joint consultation, and Collective Representation and Employee forum. All of these mechanisms are formal, but informal mechanisms can be very effective form of voice at small organizations. Example for informal voice is grey point, strikes and many more. c) Engagement is a feeling on the part of the employees that are able to express their view point to the management and in return the management would will provide support to allow this to happen, so that the employees are satisfied. Union and Non-union forms of employee voice and it impact on organisational performance as a whole Lot of research and study has been conducted and different theories have been collected regarding union and non-union representation of employees. Freeman and Medoff (1984) said that unions are the key mechanisms for improving workers productivity, reducing economic inequality and stabilizing the work force. Whereas according to the Human Resource Management (HRM) there has been an increase attention on collective decision making, information sharing and employee participation (Benson, 2000). Unionised Employee Voice According to Boxall and Purcell (2003) in industrial relations, the main reasons for employee voice representation are collective bargaining and consultation. Freeman (1976) defined unions as the institutions of collective voice in the labour market, Freeman further stated that collective forums for employee voice is more effective as its strengthens up the worker communities and provides a direct contact between the employees and management; but Addison and Belfields ( 2004) argued that this union structure would create an communication gap between the workers and management because they have to deal with issues through an third party. Freeman and Medoff (1984) also stated that unions play an important role in minimising the turnover rate as they provide their employees with voice mechanisms through which they rectify work related problems and also negotiate for higher compensation package. Freeman and Medoff (1984) arguments was supported by Batt, Colvin and Keefe(2002) who also be lieved that employees have to be given an higher compensation than what they would earn in an non-union set up and also unions strengthens employees, by providing them voice which would help them in reducing the grievance and pay inequality. Unions not only help in strengthening the employees, but they also help employers in minimizing turnover ratio, reducing hiring and training for new employees. Pettinger (1999) states that many organisations prefer to have a unionised set-up rather than unstructured approach for employee voice recognition, as it consumes less time and energy. Freeman and Medoff further added that unions can stop the organisation from engaging themselves into an opportunistic behaviour, which could cause damage for the workers. Basically unions help the organization to take proper care of their workers concerns so they would be motivated and committed in fulfilling their job responsibilities. Unfortunately unions have a negative impact on the organisations as well. Many researchers and employers state that, one thing which hurts the business and employers badly is stoppage of work by conducting strikes for fulfilments of their demands. A recent incident can be considered as an example, which is about Royal Mail (UK).Where Communication Workers Union (CWU) went on series of strikes from July to october,2007 which was regarding increase in pay, which not only caused damage to Royal Mail but also other business. This Example gives rise to the argument that unions tend to be selfish and not consider the needs or repercussions which are going to be caused, which could affect the long-term future of the organization. Most of researchers believe that unions help in increasing workers efficiency and productivity, but Addison and Hirsch (1989)denies this statement because there is average effect of unions on employees productivity and efficiency is quite less, as they are located in industries with low growth rate, they further believed that unionised set-ups experience lower profit margin; there are some exceptions, where most of the Asian organisation such as Sony, Tata Motor (India) and others, have a very well established union structure and still making huge amount of profit, probability a lot more than other organizations, so the efficiency and effectiveness of unions also depends on environment of business. Non-Unionised Employee Voice Pettinger, (1999) describes non-unionised employee voice to be forms of joint consultation which includes joint consultative committees and work councils. Joint consultative committees act like a bridge in providing formal information sharing mechanisms among management and the employees. In a non-unionised employee representation joint consultation not only allows management to determine the issues in which they want employee participation to seek their opinions for better solutions, but also they retain the right to decide the final outcomes or results. Management view is taken into consideration rather than the employees as employers are the one investing money in the business and they would want the best performance, so they would be deciding rather than the employees or unions. Work council are constituted by the organisations and representatives are chosen from different departments so that employees views concerns can be answered. Work council provided benefits both employees and employers by providing them with improved work flow system, increasing trust and cooperation and by spreading the use of the best practice. Work councils are representatives for the entire workforce of organisation regardless of the membership. Croucher and Brewster (1998) stated that work council are more effective when compared to trade unions in dealing with issues related to work practice, this argument was further supported by Pettinger (1999) that work council acts as a forum to exchange ideas, which will encourage the employees to participate in the growth of the organisation and also give rise to flexibility in working environment, which reduced isolation between different departments in the organisation. The work council also has an negative impact on the organisation unlike the trade unions, they are created in-house and are not dependent bodies representing employees issues, due to this an additional cost has to be bared by the organisation which will be an problem for the employers( Pettinger,1999). There is a common believe that employees might not understand the strategic perspectives of the organisations as it is an in-house creation of committees, they might bog down to management pressure where they have to make difficult . Critics of work council argued that they are the employers initiated structure, based on their own terms so they cannot be effective in voicing employees concern and issues, and are likely to serve management position on certain issues (Gollan,2001). He further stated that this structure is believed to have more management supporters, so they are not fully independent of bias factors. Benefits for Employers According to the CIPD view, high performance workplace knowledge and skills are developed and better used, leading to high valve enterprise and an increasingly knowledge economy, with a greater voice for employees. The employers are benefited by employees skills and knowledge can be better used leading to higher productivity. Employees feel more valued, so they are more likely to stay and contribute more to the organisation. The gains a positive reputation, making it easier to recruit good employees. Conflict is reduced and co-operation between employer and employee is based on interdependence. Benefits for Employees Having more influence over the work. Higher job satisfaction. More opportunities to develop skills. More job security if their employer is more successful as a result of voice imitative. Impacts of Employee Voice Conclusion From an organization point of view it would be in the companys best interest to involve management programmes that includes several voice mechanisms, by encouraging employees voice at the workplace through various methods , an organisation can fulfil an ethical and political need while also fortifying their bottom line by awarding high exit ration and resignation rate, It can be precisely conclude that choice of employee voice mechanisms entirely depends on the circumstances and the environment in which employees are conducting their business activities.

Globalisation & Liberalisation

According to Herman E Daly, Globalization serves the villous of a single, cosmopolitan, integrated global economy. This definition focuses on the cross border movement of goods, services and resources (financial and human) impacting on the domestic and global assets and employment. Globalization, thus focuses on an integrated economic world in which the economy is a single market characterized by trade and Investment flows, cross border economic activities In production, Investment financing, movement of capital, technology, labor, Internationalization of consumption, capital, and services.Economic liberation's is the gateway of globalization and financial liberation plays the most crucial role in integration of one neutron economy on the global economic network. However, very often the term liberation's and globalization are used simultaneously. Important instruments of liberation's are regulation of financial market to allow foreign capital, foreign investment, to and fro flow of c apital etc. Reduction of tariff and non-tariff barriers of trade, simplifications of customs measures etc.For successful global Integration a country must move to economic liberalizing by dismantling entry barriers and Licensing system, reduction in physical restrictions on imports, reduction in control n capital and current account, reforming financial system and opening up financial market to private (domestic and foreign) players, removing controls on foreign capital (FDA and portfolio) flow to the country etc. Globalization however, Is not a new phenomena of the current world activities.Economic historians have traced two strong waves of globalization. The first wave of globalization spread over 1 870 – 1914 while the second wave of globalization began roughly in 1960 and continuing. The current wave of globalization is much faster and deeper. Globalization today is fundamentally a new economic phenomenon, and a process to set up a new economic order globally increased in tegration and Interdependence of production, consumption and services. The present wave of banquets – Volvo.V Issue 1, January 2005 Globalization and Life Insurance gallstones NAS slantingly Innocence Improved speculation In resource allocation, productivity enhancement and specialization and greater innovation, adaptability and utilization of technology which has necessitated the need for cross border economic activity for all the countries. Resource mobility has not only reduced the cost of production and distribution but also boosted competition across the order.Drivers of Globalization The present wave of globalization has been significantly influenced by advances in information and computer technology, increased flow of trade and capital. Improved specialization in resource allocation, productivity enhancement and specialization and greater innovation, adaptability and utilization of technology which has necessitated the need for cross border economic activity for all th e countries. These have not only reduced the cost of production and distribution but also boosted competition across the border.Therefore important drivers of globalization are expansion of International Trade, Internationalization of Financial Market and Migration, Baldwin and Martin (1999) observed key aspects of globalization namely Trade, investment, migration and Factor prices , Capital flows and Markets, and Industrialization and Income Convergence and Divergence. Both waves of globalization were driven by radical reduction in technical and policy barriers to international transactions†¦. But the uniqueness in recent globalization is heavily shaped by the dramatic reduction in communications cost, what is sometimes referred to as the death of distance'.Financial Globalization Advancement in information technology, innovation in financial products, and increase in trade and services provided boost to the cross border flow of capital. Capital Mobility is considered as an in dicator of financial integration. Other indicator being gross stocks of foreign assets and liabilities. We shall discuss this in detail the section Financial Globalization The process of Globalization is strongly supported by Financial Globalization.There is an inextricable relation between increased international trade in goods and services and the increased flow of international UAPITA. It is because increased trade is followed by increase in payments, banking service, hedging etc. Stock markets, as we have noted in the beginning, has replaced the role of Banking to a great extent as a financier to corporate and development funds. Stock markets, in a globally integrated financial market facilitate risk sharing, improve efficiency of resource allocation, impact savings decisions and provide liquidity thus supporting faster economic growth.Globally integrated stock markets facilitates economic growth in several ways namely : Banquets – Volvo. V Issue 1, January 2005 021 Impro ve much name eloquently In ten market Prove prudent resource allocation prospects Create an environment for flow of savings thus reducing uncertainty of capital in the market Reduce risks through global diversification Liberalized and internationally integrated stock markets thus boost economic growth. Benefits of Financial Globalization Liberation's and globalization produces immense benefits to the countries integrated.Liberation's creates conducive climate for faster economic growth, allows upgrading of technology, provides scale economy, expansion of markets domestically and internationally. Economic integration through liberation's can also expand Job opportunities in domestic market and through migration of labor in general. Financial Globalization produces higher economic growth through direct and indirect impact on economy . Liberation's and globalization produce immense benefits to the countries integrated.Liberation's creates conducive climate for faster economic growth, a llows upgrading of technology, provides scale economy, expansion of markets domestically and internationally. Economic integration through liberation's can also expand Job opportunities in domestic market and through gyration of labor in general. However, liberation's of financial markets provides growth generating opportunities including the following. By encouraging FDA, developing economies can import much needed technology, which would further generate spillovers for local firms.Saggy (2002) mentioned three types of potential channels of spillovers, namely Demonstration Effect, (local firms adopting multinational introduced technologies), labor turnover switchover of trained labors to local firms (enabling technology diffusion) and vertical linkages (multinationals supplying technology to suppliers of intermediate goods). Global Financial integration augment much required domestic saving and boost up capital investment in investment starved countries. It also provides avenues fo r better allocation of capital and minimizes risk.Further, capital flow is accompanied by transfer of technology and finally assists in promoting healthy capital market. Indirect influences of globalization include promotion of globalization and integration of domestic economies which is followed by improving the macro economic policy frame work and setting up economic institutions and better governance system. Financial Liberation's has forced many countries to open up financial markets and relaxed the rules of intermediation allowing financial services institutions like investment banks, asset management companies, Mutual Funds, Pension Funds etc. To operate in newly liberalized markets. The forces of change unleashed by financial globalization, reenacted In Electroplating AT Dangling system, Increase In cross border financial activity increased competition in savings market convergence in financial services industry. B. Globalization of Insurance Market Insurance is an integral p art of national economy and a strong pillar of financial arrest. Therefore, waves of globalization have also deeply influenced the insurance market worldwide. Financial Market Globalization has also been strongly supported by Globalization of Insurance.With the increase in Trade, Direct Investment and Portfolio Investment, there has been an ever growing demand for Insurance services particularly in the emerging markets. Globalization of Insurance market, as a part of the overall process of liberalizing in emerging and other countries enabled the foreign insurance companies to enter in those countries and benefited both. The riving forces of insurance market globalization has been identified by Swiss Re (Sigma No. 4/2000) as the ‘push factors' and ‘Pull Factors'.The Push factors are the motives behind the movement of foreign insurance companies while the pull factors are the motives behind allowing the foreign companies to operate in local market, l) Push factors : Insura nce Companies move out to emerging markets due to Increasing Global Trade , Growing Direct Investment , Potential Future Growth in Emerging Markets , Saturation in industrialized countries and Strong growth in emerging entries and expected Efficiency Gains through Diversification , Economics of scale etc it) Pull Factors : The important pull factors in emerging markets – Emerging Markets have Strong Economic growth and Trade, and there are substantial requirements of capital in Emerging Markets to cover major risks. There are several benefits to the countries allowing foreign insurance companies to operate in their countries which can be broadly classified into Economy related, and Insurance marked related Economy related benefits to the local country : Foreign insurance companies along with local companies add further momentum to obligation of savings. Institutional net work in the savings market increases, which also influence the savings behavior of household and corporate savings.Resources and capital allocation in the Domestic Market increases with the increased sophistication brought by the foreign insurance companies It also improves the financial stability in the host country, as well as facilitates improvement in production and Trade. Banquets – Volvo. V Issue 1, January 2005 023 Insurance market related benefits : Capital structure of entire insurance industry improves because foreign companies brings fresh capital with them. Market efficiency improves due to information dissemination, global operating knowledge and increased competition. Management inclemency Increases Decease Torrent companies Drill Walt teem global experience and management innovation. Range of available products increases because foreign companies bring with them a wide range of products and product development expertise.Customers' service improves. Increased competition, technology led service, and cost competition finally benefits the consumers. Globalization also improves Regulatory and Governance system. It also improves market conduct and Ethical Business Standard. Jennifer Rankin (2003) mentions the following factors driving the insurance companies' cross border activity. Many countries are moving away from protectionism and state control and taking more market driven approach especially in the insurance and financial services and opening up their markets to foreign companies. The process of Insurance globalization significantly influenced by the GOATS/WTFO.A major break through was achieved in 1997 with an agreement of Liberation's of financial services following which 102 countries committed to remove entry barriers and liberalism their markets. The GOATS agreement offers legal security and protection to global insurance players. With the removal of entry barriers in emerging and less developed countries there has been an increased flow of funds from developed countries to the emerging and less developed countries. According to Swiss R e (Sigma No. 4/2000) â€Å"In recent years there has been a strong increase in the demand for insurance in the emerging markets. The average annual growth rate in the emerging markets has since 1990 been twice as high as industrial countries in both life and non-life insurance.There is already an indication of slow Roth and saturation of insurance market in industrially developed countries. During 2003, Global Life business witnessed a decline of -0. 8%. However, emerging market life business grew by 6. 6% as against -1 . 7% decline in industrialized countries. In non life business, while industrialized countries achieved 5. 7% growth in real premium income, emerging markets registered 8. 5% growth rate in 2003. However, total premium income of emerging market in 2003, was US $ 314128 million which represented 10. 68% global premium income, whereas share of industrialized countries with US $ 2626542 million representing 89. 2% of global premium. This is an indication of huge potent ial emerging market.Globalization of Financial as well as Life Insurance Market is an inevitable phenomena. In the years to come the globalization of Insurance Market is going to speedup further. The impact of globalization will also be felt more in emerging markets which have exhibited better potential for growth in insurance market. Data provided in Table No. 1 and Table No. 2 shows that countries which have extensively opened up the Insurance 24 Market to the Private and Foreign Companies have achieved relatively better growth in insurance density and penetration. It has also been noted in India that growth of Insurance Market was faster in the post liberation's period than that in pre- Tatterdemalions pergola.However, one AT ten constraints AT Insurance Gallstones Is a small number of global players as noted by UNEVEN (2002). The private insurance industry is largely a national industry rather than a global one. The number of truly global insurance players is in the range of 20 to 30 only. Another 70 companies operate significantly in more than one continent through branches. Only 1. 2% of global insurance premium comes from across border business. C. Impact of Liberation's on Economic growth Research of Bernstein and others (1998) shows that FDA contributes more domestic growth than domestic investment. And also FDA is more productive than domestic investment.Liberation's of capital markets attracts foreign investment which influences the price of equity thereby reducing the cost of capital. Research of Beakers and Harvey (2000) indicated that post liberalized regulatory reforms bring down the cost of capital and also help to increase inflow of capital. Financial liberation's also imparts structural formats of capital markets, improves the closures, transparency and corporate governance which creates growth prospects in a liberalized country. It has been noted that the average per capita income is higher in the countries with more open economic policies a nd better global linkages, than in the countries with less openness in financial sector. Globalization has helped promote convergence of per capita incomes.Per capita incomes have grown faster in globalization developing countries (those lowering trade barriers) than in rich countries – 5 per cent versus 2. 2 per cent in sass†¦Ã¢â‚¬ ¦. Non globalization Developing countries have lagged behind. Finance and Development, March 2002. , UP). Resource (2002) has observed that â€Å"the trend of rising inequality over the past 200 years, primarily between countries, now appears to have been reversed, and the experience of the 19th century suggests that increased globalization will accelerate this decline. Parkas et al (2003) has noted that ‘International Financial Integration can help to promote domestic financial sector development, which in turn can help to moderate macro economic volatility.However, thus far these benefits of financial integration appear to have accru ed primarily to industrialized countries. D. Growth of Life Insurance in India Indian Life Insurance Industry, since nationalization, has registered a significant growth and gradually increased its share in household financial savings. As noted in table 4, the Share of Insurance Funds has increased from 8. 7% in 1993-94 to 14. 9% in 2003-04, while the share of life insurance funds increased from 8% to 14. 5% during the same Banquets – Volvo. V Issue 1, January 2005 025 per 00 Ana In terms AT GAP It NAS Increased Trot I Nils Is a gallants achievement of Life Insurance Industry which till recently represented by LICE of India.Growth in Life Fund is considered to be an important indicator of growth of Life Insurance Industry and as can be seen from the Table 4, LICE has performed exceedingly well. LICE, after nationalization of 256 Life Insurance Companies, started with a Life Fund of RSI. 410. 40 core, which in course of time increased rapidly and stood at RSI. 3,21 ,754 core i n 2004. Similarly, the total assets of LICE has increased from RSI. 463 core in 1958 to core in 2004. High growth of Life Fund and Assets of LICE was possible due to significant growth in New Business, which got a boost during the Post Liberation's period. First time in 1999, LICE sold more than one core (1. 8 core) policies in a single year, however, growth became faster during the post liberalized period and in 2002 it crossed the 2 core mark by selling 2. 25 core policy, which increased further to 2. 42 core in 2003. In 2004, New Business (AS) had gone up RSI 2,02,898. 14 core under 2,69,63,504 policies. Total in force policies serviced by LICE by the end of 2004, stood at 15. 39 core under Sum Assured of RSI. 9,25,033. 33 core. Liberation's of Indian Insurance market has provided further push of the Insurance Industry. By the end of March, 2004, there were 13 Life Insurance companies including LICE in the market, which has not only generated competition but also provided a wide range of product choice to the customers.An overall view of Indian Life Insurance market can be obtained through data released by ERDA, shown in the Table 6 and Table 7. Accordingly total no. Of policies underwritten in 2004 increased by, 12. 78% from 2002-03 to 5 2003-04, while the premium under these policies increased by 51. 80%, from lacks to 18,71 ,016. 02 lacks during the same period. So far LICE is concerned, there is a fall in market share in New Business. In No. Of Policies the market share declined from 96. 70% to 94. 21% while in premium income the market share of LICE declined from 92. 03% to 87. 04% during the same period. These indicate that Indian Life Insurance in general has expanded since liberalizing on the one hand and market has been increasingly becoming competitive. E.India in the International Context Though the share of Life Fund in household Financial Assets has gone up during the last decade and Indian Life Insurance Industry registered better growth rate compared with global growth rate yet total premium volume and global market share minded quite low. Total premium volume of Life Insurance Industry in the World at 9% growth rate increased from US $ 1 534,061 2002 to US $ 16,72514 2003, whereas in India 26 growth rate was much higher at 18% and Total Premium volume increased from US $ s S EYE ruling ten same pergola. Insurance Density (premium per capita and Insurance Penetration (premium in percentage of GAP) which are important growth indicators are quite low in India. In the year 2003, Life Insurance Density in India was only US $ 12. 9 as against the World Density of US $ 267. 1. Similarly, Life Insurance Penetration in India was only 2. % as against World Penetration level of 4. 59%.