Corporate Finance Assignment Example | Topics and Well Written Essays - 500 words

Corporate Finance - Assignment Example Envisioning we had the option to tell the future, we could plot out when might be the best an ideal opportunity to purchase property dependent on the reality if the market was running high or low. On the off chance that the market was running particularly low, it would most likely be a decent an ideal opportunity to purchase in. One needs to purchase in for a time of year and a half where it is for the most part going to be viewed as being low. This builds the odds that we, as the speculator, would no doubt have the option to get a ton of properties utilizing the $10,000,000-dollar pad. Presently, the explanation that organizations not doing so well is useful for different kinds of organizations is basic. At the point when stock qualities are low, it is a decent an ideal opportunity to get tied up with those stocks since when stock costs rise, they will be worth more in esteem. Likewise, in the event that one purchases a great deal of properties, however maybe let us state that they are not especially worth a lot at the time they are gotten it is untowardly conceivable, though untowardly, that the properties purchased may raise in esteem. When and if that occurs, the financial specialist looks to make a benefit. While values are low in stocks and in land, this is the speculator's fantasy. While he can purchase stocks and land generally inexpensively, since numerous individuals are in a terrible situation monetarily, he will later receive the budgetary benefits of having exploited the low costs. Financial specialists will short stocks when [prices decline].1 Clearly, for this specific venture, we wou

The smartest guys in the room(movie&book) essay

The most brilliant folks in the room(movie&book) - Essay Example Another type of misbehavior that the organization took an interest in is crediting cash to itself so as to disguise obligations. They additionally controlled California’s’ vitality flexibly utilizing its power showcase. The film expounds how a huge number of Enron workers lost their employment in the outrage yet their dependability, while their managers kept up their riches. As a general rule, this film is a criminal narrative that uncovers how the officials of Enron, which was America’s seventh biggest organization, partook in a pansy conspire and escaped. Their financial specialists and representatives capitulated to incredible misfortunes while they left with billions of dollars (Sterling 22). A moral thought is the rights and obligations of a substance to its workers, clients and their trustee duty towards their speculators. These contemplations help with keeping up the respectability of a calling by setting out guidelines. Experts found disregarding moral duty are liable to sanctions, withdrawal of licenses and charges by law. Tragically the pioneers of the pansy plot including Enron left without any penalty with billions of dollars while their workers and financial specialists made colossal misfortunes. The hidden standard in morals is picking the privilege regardless of the predicted or unanticipated outcome. At last, unqualified obligation that outperforms conviction and intrigue is fundamental for concordance in human cooperations. In the wake of watching this film, it critical to perceive that network support doesn't decide moral standing. An organization may give or store different ventures liberally yet the practices that occur in the background are the most urgen t. Enron was the main agent of George W. Bramble 2000 political race however they had many shrouded issues (Sterling 63). I accept that equity was served in the Enron outrage. The officials related with the issue confronted

Metaphor of the Month! Eye of the Storm Richmond Writing

Metaphor of the Month! Eye of the Storm Richmond Writing With Tropical Storm Dorian projected (for now) to strike Florida as a Hurricane, it seems appropriate to choose a metaphor apt for Hurricane Season. This one, while not an academic term, certainly has been so popular as to become a cliche, albeit a powerful one.   Sometimes, when the semester is at its most frenzied, well have a day or two of relative clam. Welcome to the eye of the storm. The metaphor does not rate a full entry at the OED, and its appearance is of recent origin. Those in the path of cyclones must have long known about the eerie calm at the center of the tempest, so it surprises me that the earliest recorded usage comes from 1884.   In his novella,  Typhoon,  Joseph Conrad beautifully captured the experience of a battered steamer, at midnight, entering the eye: This ring of dense vapours, gyrating madly round the calm of the centre, encompassed the ship like a motionless and unbroken wall of an aspect inconceivably sinister. Within, the sea, as if agitated by an internal commotion, leaped in peaked mounds that jostled each other, slapping heavily against her sides; and a low moaning sound, the infinite plaint of the storms fury, came from beyond the limits of the menacing calm. Captain MacWhirr remained silent, and Jukes ready ear caught suddenly the faint, long-drawn roar of some immense wave rushing unseen under that thick blackness, which made the appalling boundary of his vision. We have a powerful term here that needs no explanation to native speakers of English. I do wonder if in other languages the metaphor shifts? Are there other images that spring to mind, aside from an eye, when other cultures describe the calm at the center of chaos? Please send us words and metaphors useful in academic writing by e-mailing me (jessid -at- richmond -dot- edu) or leaving a comment below. See all of our Metaphors of the Month  here  and Words of the Week  here. How well I recall Hurricane Isabel and my nearly two weeks without electricity. Image of Isabel, from the International Space Station and via Wikipedia, courtesy of Mike Trenchard, Earth Sciences Image Analysis Laboratory, NASA Johnson Space Center.

Catalysts Definition and How They Work

A catalyst is a chemical substance that affects the rate of a chemical reaction by altering the activation energy required for the reaction to proceed. This process is called catalysis. A catalyst is not consumed by the reaction and it may participate in multiple reactions at a time. The only difference between a catalyzed reaction and an uncatalyzed reaction is that the activation energy is different. There is no effect on the energy of the reactants or the products. The ΔH for the reactions is the same.​ How Catalysts Work Catalysts permit an alternate mechanism for the reactants to become products, with a lower activation energy and different transition state. A catalyst may allow a reaction to proceed at a lower temperature or increase  the reaction rate  or selectivity. Catalysts often react with reactants to form intermediates that eventually yield the same reaction products and regenerate the catalyst. Note that the catalyst may be consumed during one of the intermediate steps, but it will be created again before the reaction is completed. Positive and Negative Catalysts (Inhibitors) Usually when someone refers to a catalyst, they mean a positive catalyst, which is a catalyst that  speeds up the rate of a chemical reaction by lowering its activation energy. There are also negative catalysts or inhibitors, which slow the rate of a chemical reaction or make it less likely to occur. Promoters and Catalytic Poisons A promoter is a substance that increases the activity of a catalyst. A catalytic poison is a substance that inactivates a catalyst. Catalysts in Action Enzymes are reaction-specific biological catalysts. They react with a substrate to form an unstable intermediate compound. For example, carbonic anhydrase catalyzes the reaction:H2CO3(aq) ⇆ H2O(l) CO2(aq)The enzyme allows the reaction to reach equilibrium more quickly. In the case of this reaction, the enzyme makes it possible for carbon dioxide to diffuse out of blood and into the lungs so it can be exhaled.Potassium permanganate is a catalyst for the decomposition of hydrogen peroxide into oxygen gas and water. Adding potassium permanganate increases the temperature of the reaction and its rate.Several transition metals can act as catalysts. A good example of platinum in the catalytic converter of an automobile. The catalyst makes it possible to turn toxic carbon monoxide into less toxic carbon dioxide. This is an example of heterogeneous catalysis.A classic example of a reaction that doesnt proceed at an appreciable rate until a catalyst is added is that between hydrogen g as and oxygen gas. If you mix the two gases together, nothing much happens. However, if you add heat from a lighted match or a spark, you overcome the activation energy to get the reaction started. In this reaction, the two gases react to produce water (explosively).H2 O2 ↔ H2OThe combustion reaction is similar. For example, when you burn a candle, you overcome the activation energy by applying heat. Once the reaction starts, heat released from the reaction overcomes the activation energy needed to allow it to proceed.

Services Offered By The Royal Bank Essay Example Pdf - Free Essay Example

Sample details Pages: 13 Words: 3951 Downloads: 4 Date added: 2017/06/26 Category Finance Essay Type Research paper Tags: Banking Essay Did you like this example? This paper examines the overdraft facility offered in by the Royal bank of Scotland which has merged now with the ABN Amro bank. The overdraft facility is a very special facility which is offered by the bankers to their customers and especially in the UK this facility is used a lot by the students to cover their expenses at a very meagre rate. The main focus of this paper is on the banks operating in UK with the primary focus is based on the Barclays bank which is a leading bank in the UK. Graduate current account A current account is used to hold funds for an individual. The benefit of having a current account is that it is an easy way of adding interest to the money that is in the account. Students will need a current account for many reasons, like salaries and benefits can be paid in and paying bills can be made a lot easier. This is because money can automatically put in and the bill will be automatically paid via direct debit. The account will also give interest on the balance will help their money grow. The graduate royalties account is available for 3 years and comes with an interest free overdraft up  £2000. An overdraft is a service that enables the account holder to withdraw over and above what they actually have in the account. Overdrafts are only available to people over the age of 18. This service will be appropriate for teenagers because it is flexibility on those occasions when you might need to spend before your money is paid in. This is also a preparation for teenage rs to handle loans and credit cards because it is the banks money they are handling on a small scale. Don’t waste time! Our writers will create an original "Services Offered By The Royal Bank Essay Example Pdf" essay for you Create order Student Credit from The royal Bank of Scotland A credit card allows customers to purchase goods on credit. This means that the customer will not have to pay for the good at the time of the transaction. The banks loans the customer money by a credit card. This loan is interest free for a short period time (after which the APR is usually quite high). The student Credit Card is designed for student life. It is a big breakthrough for students when they need all their essential needs. Food, clothes and books. When you add up all the expenses of student living it comes at a big price. On the student credit card there is up to 56 days interest free credit and this should come as good news (if the customer pays the balance in full and one time and have paid the previous months balance in full and on time) If not the interest rates will apply. The card is very flexible because it can be managed online from a computer or MAC to check balances etc. Graduate loan from Barclays Bank A loan is when a bank lends a customer money for a long term period. Interest rates vary depending on the sum of money taken out and the time taken to pay it back The graduate loan from Barclays bank is designed for students at university that are reaching their peek at university and getting ready to graduate. At this point in their life they are not really financial blessed so the graduate loan will help the individual settle down in their new life. The customer can borrow up  £10,000 and can apply for repayment terms up to 60 months so this is really good and flexible for the individual. Fixed interest rates so monthly repayments never change. Loan Amount Representative APR Repayment Term* Monthly Repayment Total Payable  £3,000 8.4% 60 months  £62.38  £3,742.80  £5,000 8.4% 60 months  £103.97  £6,238.20  £10,000 8.4% 60 months  £207.93  £12,475.80 Bank Services available for Young Families at HSBC First time buyer mortgage from Barclays bank A mortgage is the transfer of an interest in property (or in law the equivalent a charge) to a lender as a security for a debt usually a loan of money. While a mortgage in itself is not a debt, it is lenders security for a debt. It is a transfer of an interest in land (or the equivalent), from the owner to the mortgage lender, on the condition that this interest will be returned to the owner of the real estate when the terms of the mortgage have been satisfied or performed. In other words, the mortgage is a security for the loan that the lender makes to the borrower. The first time buyer mortgage from Barclays bank is designed for people who are looking to buy their first home. So the first time buyer mortgage is designed to make this easy for the customer. There is a 2 year fixed rate mortgage so the customer can budget better at the start of their mortgage. Mortgage Interest rate Application fee What can I borrow? Early Repayment Charge 2-year fixed rate 6.49%until 31/01/2010, then for the remaining term BBBR + 0.95% currently 6.45%. The overall cost for comparison is 6.8% APR  £995 Up to 95% of the value of your home 3% of the balance repaid until 31/01/2010 2-year fixed rate 6.79%until 31/01/2010, then for the remaining term BBBR + 0.95% currently 6.45%. The overall cost for comparison is 6.8% APR None Up to 95% of the value of your home 3% of the balance repaid until 31/01/2010 BBBR = Barclays Bank Base Rate. Homeowner loan from Barclays bank The homeowner loan is simply made for people that own a home and need to borrow between  £5000 and  £100,000. The payments can be paid over 25 years and the monthly outgoings could be reduced by 50% this is achieved by spreading your new loan over a longer term. By doing this, your overall interest payments will increase. Platinum Credit Card from the royal bank of Scotland The platinum credit card from the royal bank of Scotland is designed for people that are over 25 and earn more than  £25,000 a year. This is clear the key charteristcs of an individual in the young families life stage. The customer can get 0% interest for 13 months from when they open their account and also pay 0% interest on balance transfers. Summary Box The information contained in this table summarises key product features and is not intended to replace any terms and conditions. APR Typical 13.9% APR (variable) Other Interest Rates Introductory Rate Monthly Rate Annual Rate Simple Effective Purchases 0% for 3 months 1.094% 13.128% p.a. 13.947% p.a. Balance Transfers 0% for 13 months 1.094% 13.128% p.a. 13.947% p.a. Cash Advances N/A 1.873% 22.476% p.a. 24.942% p.a. Money Transfers N/A 1.094% 13.128% p.a. 13.947% p.a. Interest Free Period Maximum 56 days for purchases if you pay you r balance in full and on time, and have paid the previous months balance in full and on time no interest free period on cash advances or money transfers. Interest free period on balance transfers only applies to the introductory period. Interest Charging Information The periods over which interest is charged are as follows: From Until Purchases transaction date repaid in full Balance transfers transaction date repaid in full Cash advances transaction date repaid in full Money transfers date debited to your account repaid in full Allocation of Payments We will apply payments we receive to your account in the following order: Interest on special offers Other interest, any fee and charges Special offers Purchases and balance transfers Cash advances and money transfers See section 2(D) (b) of your Credit Card Agreement for full details. Minimum repayment Greater of 2.25% of your balance (rounded down to the n earest pound) or  £5 each month. Please note: we do not recommend that you only ever make your minimum payment. Amount of credit Minimum initial credit limit is  £300 and maximum is  £20,000. All other credit limits (including the maximum available) are subject to status. Fees No Annual Fee. Charges Cash advances (except gambling transactions) subject to a handling fee of 2.5% with a minimum of  £2.50; Balance transfers subject to a fee of 2.5% (min  £5) during the first three months from account opening unless you qualify for exemption from that fee or are notified of a different fee under the terms of a special offer we make in connection with your application; Foreign exchange transactions subject to conversion fee of 2.75% (including purchase of foreign currency and travellers cheques); Copies of statements are subject to a fee of  £3. Default charges Late payment and over limit fees are  £12; administration fee of  £10 to process dishonou red cheque or direct debit; administration fee of  £12 to return unpaid promotional cheque to prevent you going over your limit. This is the rates and fees from the platinum credit card from the rbs (https://www.rbs.co.uk/personal/credit-cards/g1/platinum.ashx#tabs=section2) 7.9% APR typical on Barclays bank personal loan. Annual percentage rate (APR) is the simplified counterpart to the effective interest rate the borrower will pay on a loan. In many countries and jurisdictions, lenders (such as banks) are required to disclose the cost of borrowing in some standardized way as a form of consumer protection. APR is intended to make it easier to compare lenders and loan options. The APR is likely to differ from the note rate or headline rate advertised by the lender, due to the addition of other fees that may need to be included in the APR. However the APR can be found simply by asking the lender, or reading the section about APR in your contract. Typical: The typical part of the annual percentage rate means that the percentage rate may not be the same as the advertisements. The changes are made due to the position of the applicant, depending on how much dept they are in, the level of income they are having etc. People in all life stages will be looking for the lowest Annual percentage rate. 5.25 % AER on e saving reward from Barclays bank. Annual Equivalent Rate is a notional rate thats generally quoted on interest paid on savings and investments. It purports to demonstrate what interest return would be if the interest was compounded and paid annually instead of monthly (or any other period). If an account pays interest more than once a year, say, for example, monthly or quarterly, then the AER is calculated by adding each interest payment to the deposit and then calculating the next interest payment, compounding the interest. Thus, on accounts where interest is paid quarterly, the AER will be slightly higher than the quoted gross rate because of the compound interest earned on the interest paid during the year. Barclays bank will be appropriate for a senior student in university finishing their degree and preparing to have a family. This is because they will be looking for a retail bank to offer them a basic current account to enable them to manage their bills an d other finances. People in this life stage will not want to focus on saving or investing although they might want to leave some money aside. Barclays also provides saving products. So if a senior student wants to invest or save large amounts they have a wide range of saving facilities to choose from such as long term savings plans or short term saving plans. This can be managed via online banking so it will make it very easy and save time for the customer. Barclays offers insurance products for all kind of possessions. Such as life, care, home and travel. This will be appropriate for someone in this life stage because they will have lots of important things that will need to be insured. Post office will be appropriate for people in the established family life stage this is because it is more about saving and investments. This will be good because it will help them save for the future whether it is for their children or just for the future. The post office provides the i nstant saver service, witch has a great rate of 3.75% AER. There is great access to their service because they have over 13000 branches across the uk. Plus over 60000 ATMs across the uk. In addition the account can be managed via online banking. The instant saver offers a double interest guarantee. The first guarantee is to pass on any rise in the bank of England base for 2 years. The second guarantee is that the customers interest rate will never be more that 1% below the bank of England base rate for the life of the account. All interest is paid in annually. The post office also provides a child trust fund. This will be very suitable for people in the established life stage because their life will be comfortable and established so the will be in a good position to want to save for the future and for their children. The child trust fund is a stake holder account. Which means it has strict standards that must be met by the government, and one of these standards is tha t some of the money must be invested in shares. Savings Builder from Barclays bank The savings builder is for people who have at least  £10,000 to save, and wants a great rate of interest with easy access to their account via the Internet and telephone. These will be key characteristics of an adult in a mature household. Interest is calculated on the daily statement balance of the account and is payable monthly on the first working day of the month.   The rates of interest depend on the account balance and whether any withdrawals have been made from the account in the previous calendar month.   Where no withdrawals have been made interest is calculated at the higher range of rates applicable to the account balance. On the other hand when or more withdraws have been made the interest is calculated at the lower range of rates applicable to the account balance. So this will encourage the customer to save. The Saving builders from Barclays Bank will be appropriate for people in an established family as well. Established families should be able t o have at least  £10,000 if they would like to use the service.   The rates of interest depend on the account balance and whether any withdrawals have been made from the account in the previous calendar month.   Where no withdrawals have been made interest is calculated at the higher range of rates applicable to the account balance. On the other hand when or more withdraws have been made the interest is calculated at the lower range of rates applicable to the account balance. So this will encourage the customer to save. Day to Day Savings Account from Barclays Bank The Day to Day savings account is designed for someone who will need immediate access to their money for unplanned expenses or special treats, which will be part of a universitys students life style. The customer doesnt have to be a regular saver and it is cheap to open with just  £1 which will be great for the customer. Plus a cash card is available allowing the customer to withdraw up to  £300. Day to Day Savings  Ãƒâ€šÃ‚  Ãƒâ€šÃ‚  Ãƒâ€šÃ‚  Ãƒâ€šÃ‚  Ãƒâ€šÃ‚  Ãƒâ€šÃ‚  Ãƒâ€šÃ‚  Ãƒâ€šÃ‚  Ãƒâ€šÃ‚  Ãƒâ€šÃ‚  Ãƒâ€šÃ‚  Ãƒâ€šÃ‚  Ãƒâ€š Open from  £1 Maximum deposit N/A Interest rate 4.26% AER (4.18% gross pa)ÃÆ' ¢Ãƒ ¢Ã¢â‚¬Å¡Ã‚ ¬Ãƒâ€š Access Instant Interest paid (frequency) Monthly Account management Branch, phone, cash card and online (if registered this for Online Banking) The day to day savings account will be appropriate for established families. This is because established families will be settled in their homes heading towards paying off their mortgage, so this means that they will be able to afford to take money out on a day to day basis. In addition believe that adults in this life stage will have unexpected things to pay for like birthdays and day to day maintenance of their child. High Interest Deposit Bond from HSBC Bonds are usually referred to as risk-free bonds, because the government can raise taxes or simply print more money to redeem the bond at maturity. Some counter examples do exist where a government has defaulted on its domestic currency debt, such as Russia in 1998 (the ruble crisis), though this is very rare. The high interest deposit bond is designed for people in the established families life stage. This is because it is designed for people who have between  £2000 and  £50000 in savings and concerned about falling interest rates and looking to change the rate of their savings. 5.75% AER /gross. Adults living in this lifestyle will have this kind of amount in savings so it will definitely be appropriate for them. The savings can be over 1, 2 or 3 years and the interested can be added on a monthly or annual basis. Effective Date Term Net % Gross % AER % High Interest Deposit Bond Monthly interest (Fixed Rate) 01.09.08 6 months 4.29 5.37 5 .50 12 months 4.48 5.60 5.75 24 months 4.10 5.13 5.25 36 months 4.10 5.13 5.25 High Interest Deposit Bond from HSBC will also be suitable for people in the teenager and student lifestyle this is because students at university or post graduate students will be looking into saving money in high interest. There are a lot of different time scales they can invest for jus to suite them, whether it is 6 months or 3 years. This will be very appropriate because it will enable them to have a lot of money saved in the bank for when they leave university and preparing to start their own family. Income Bonds from National Savings and Investments. Income Bonds provide the customer with a monthly income at a competitive variable interest rate, with no risk to their capital. Income Bonds from national savings and investments will be very suitable for young families because the people in this life stage will be doing post graduate work or finishing university. It will be very helpful because the income bonds will provide them with an additional monthly income. This will enable them to help out with your household outgoings, or  to contribute to a few of lifes little luxuries. It is very convenient because they can choose to withdraw money when ever they want with no notice and no penalties. Income Bonds from national savings and investments will also be very appropriate for people in the teenager and students life stage. This is because people in this life style will be provided with an additional monthly income which will be very supportive for their day to day needs. It will be able to support them if their student loan has not been activated. It will also be very helpful for when they are about to leave university and preparing to live by themselves. Interest Rates Total Investment Gross rate pa AER Under  £25000 4.45% 4.54%  £25,000 + 4.70% 4.80% Gross is the taxable rate of i nterest without the deduction of UK Income Tax. AER (Annual Equivalent Rate) is a notional rate that illustrates what the annual rate of interest would be if the interest was compounded each time it was paid. Where interest is paid annually, the quoted rate and the AER are the same. The Baby Bond CTF account from The Childrens mutual The baby bond ctf account is stakeholder account for parents to save and invest their money for their kids for the later future in the governments way. This will definitely be the key characteristics of adults in the young family life stage. So that there is a chance for more potential growth, the baby bond account will be in a share-based fund. There are risks in doing this because the value of shares can go up and down, but the baby bond account is a long-term investment of 18 years so a big amount will be made despite the continuous change in the value to the shares. The minimum amount that can be paid in to start the account is  £10 so it is easy and cheap to get started, and with all other contributions there could be a potential sum of up to  £1200 and that is on top of the governments addition. The childs account is increased of its value by 1.5% The baby bond ctf account will be very suitable adults in the student life stage because it will be a great step to prep aring for their childrens future it is a long-term investment of 18 years so a big amount will be made despite the continuous change in the value to the shares. The minimum amount that can be paid in to start the account is  £10 so it is easy and cheap to get started, and with all other contributions there could be a potential sum of up to  £1200 and that is on top of the governments addition. The childs account is increased of its value by 1.5% Total amount paid in (including  £250 voucher and  £250 at age 7) Possible value of Baby Bond ® Stakeholder account in 18 years time Based on 5% growth each year Based on 7% growth each year Based on 9% growth each year  £0  £500  £821  £1,090  £1,440  £10  £2,660  £3,790  £4,690  £5,840  £25  £5,900  £8,260  £10,100  £12,400  £50  £11,300  £15,700  £19,100  £23,400  £100  £22,100  £30,500  £37 ,100  £45,400 Income Protection from Royal Bank of Scotland Income protection is designed as a safety net to keep people financially healthy just in case of a long- term illness or accidental injury which could play havoc on peoples finances. I believe that this will be very appropriate for people in the mature household life stage. Simply because their life is moving at its peak so they will definitely need some sort of back up if something was to go wrong. It could help maintain your familys standard of living, providing a monthly income to help pay your mortgage, other debts or household bills. The plan is very flexible they can decide on how long they want their income to be paid if they are off work. It can be until any age from 50 to 65. The monthly income they receive under the plan is guaranteed until they are fit enough to back to work or until the plan end for example if they intend retirement age. Income protection will also be suitable and appropriate for people in the post education and pre families life stage. This is because they will be on the way up to starting their life on their own. So it will be vital for them to have some sort of safety net. This is because if there is no form of financial back up it will leave the individual in a very critical position. Travel Insurance from The Royal Bank Of Scotland Travel Insurance is designed to cover medical expenses, money invested in non-refundable pre- payments, and other losses that happen while travelling either within ones country, or internationally. The royal bank of Scotland will be very suitable insurance company for someone to choose because it is one of the biggest travel insurance companies in the UK so they have a big reputation to give their customers confidence in them. Travel insurance will be suitable for people in all life stages simply because everyone should be insured when they are away on holiday. But I think this will suite people in Mature households more because they will probably have the most expensive assets because they are one of the most families settled in their life. Travel insurance will be very suitable for people in post graduate and pre families life stage because people in this life stage are very active and tend to travel a lot so it will be very important for them to be insured whilst on holida y. Car Insurance from The Royal Bank Of Scotland Car insurance is insurance purchased for cars, trucks, and other vehicles. Its primary use is to provide protection against losses incurred as a result of traffic accidents and against liability that could be incurred in an accident. Car insurance from The Royal Bank Of Scotland is very good. They provide a courtesy car for the customer when there car is being repaired. If the customer has home insurance with the royal bank of Scotland they will save 15%. Although car insurance is vital for people in all life stages, this service will be very appropriate for people in mature household because of all the benefits that come with it such as the 15% discount that comes with the insurance. That is only available to people with home insurance, and that will be something that mature households will have.

The Number One Plan You Should Be Using for Informative Research Essay Topics

The Number One Plan You Should Be Using for Informative Research Essay Topics The Basics of Informative Research Essay Topics Examining each side of the issue can aid your readers form their own opinions. The main reason is these topics are not that broad or narrow. Since it's such a huge subject, you are going to want to narrow your paper down to a particular angle. Explain each side of the problem. Broadly speaking, this kind of essay will compare controversial viewpoints about a specific topic. Ask your teacher in the event you have any questions about this issue you have decided on. The ideal thing is to choose a topic that will provide you with an opportunity to present new ideas or a fresh perspective on a problem. The ideal way to learn about the best topics that you're able to use in your essay is to become acquainted with this sort of writing. If you must compose a two-page essay, for example, you should attempt to create the paragraphs presenting the various characteristics of the topic straightforward and to the point don't go into details since this can play a poor trick on you. Only when you make your decision about the subject, you might move to the five-paragraph essay structure. After introducing your topic sentence, it's time to adhere to the CCE format to craft the most crucial region of the essay. The intention of this section of the essay is to defend th e thesis statement, or so the content in these types of paragraphs have to be tip-top. The conclusion ought to be a review of the topic. As a way to effectively complete the essay, an individual must produce an overall concluding statement. You should begin by presenting the topic with a couple sentences. Comprises two principal thought paragraphs. College application essay topics are an important portion of an entertaining and compelling bit of writing. Students need to take care not to digress when writing informative essays. You shouldn't find it particularly hard to compose an informative essay. You've got to compose an informative essay. Allow the professional academic writers help to your informative paper! A thesis has to be arguable like in an argumentative or persuasive essay to create the readers wish to debate. Don't neglect to get a Kibin editor review your final paper to be sure it's on the right path. Choosing Informative Research Essay Topics Your essay might incorporate the factors for teen pregnancy and talk about the recent rates of teen pregnancy and potential solutions. Sometimes controversial issues can be intriguing to explore. If that's the case, there are plenty of issues for informative speech you could chat about concerning the military and the way that it operates. Perhaps there's a specific health issue that interests you and that drew you to go into the professionfor that you are studying. The Appeal of Informative Research Essay Topics It is difficult to locate a wonderful website with free examples of argumentative papers and inexpensive customized essays. Should you need no cost e xamples of ready papers, visit the corresponding site. See this page for an entire collection of History Speech Topics. See this page for an entire collection of Legal Speech Topics. Ok, I Think I Understand Informative Research Essay Topics, Now Tell Me About Informative Research Essay Topics! The cost of an essay is dependent upon the quantity of effort the writer has to exert. In an academic setting, but the paper needs to be formatted and organized in line with the corresponding standards without the usage of informal languages like slang or jargon. By choosing it, you receive a chance to get new chapters or segments of your paper right after the writer produces them. Esl writing a standard basis. Informative Research Essay Topics: No Longer a Mystery Check whether the remainder of the arguments relate to it. The ideal thing about an argumentative essay which contains social issues is you can describe your private experience on the instance of the real-life case. You shouldn't be judgmental in any manner. On occasion a respectable and well thought out and then applied decide to bluff near the incorrect battler needs to be considered the newest mistake. It is possible to also incorporate the views of experts on the subject. Informative speech topics supply you with the possibility of sharing your knowledge on a particular issue with your listeners. The toughest part is, perhaps, picking the topic. The Unusual Secret of Informative Research Essay Topics You are still going to have to do research so you can present a detailed in addition to balanced overview of a certain topic. You might narrow this wide topic to talk about poverty in your community or a particular region. Research-based topics require students to assemble information till they write. Nevertheless, there are lots of informative speech topics for college students to select from. Whether you're a student in high school or college, there's a 100% chance you will have to c ompose some type of informative essay during your educational decades. The standard of your topic will decide on the grading of the paper. Do not be concerned, EssayPro is here in order to teach our students everything they will need to learn about crafting an informative essay! Learn more about various kinds of grade 9 documents. As an example, assume that you're into a sport like skateboarding. If you may write a really convincing piece on a real-world application utilizing unique facts and research, then your odds of receiving admission to a top level university will surely grow! If you don't think you have sufficient knowledge or private interest to speak about illegal drug use among teens, saving money for a college student, or a different informative topic for 20 minutes, you can want to think about a different subject. For instance, students might write about the advantages of a vegan diet. Lies You've Been Told About Informative Research Essay Topics You pay just fo r the finished portions of the assignment too. Once you get your topic, approach identified and conducted your initial research a good way to start is to list out each of your important findings and supporting data. Possibly the best guidance that you're able to get is the essential volume, be it in the shape of lots of pages or a particular wordcount. The principal goal is to describe various organizational patterns.

A Girl and Her Horse free essay sample

I start the circle. Desire is out of control. She darts for the white fence surrounding the arena. Sit back. Go for the emergency stop! It’s not working. I use my words, â€Å"Whoa, Desire.† Nothing works. She’s still galloping straight for the fence. Bail! I try to soften the landing by the old tuck and roll method, but somewhere on the way down I lose that and land flat on my back. I can’t believe I just fell off twice in the same lesson. Seriously, I haven’t fallen off in years. Am I losing my touch? I didn’t have anything to do with Desire’s outbursts and I wasn’t losing my touch. That lesson put a dent in my confidence. I was no longer this superhuman rider with the ability to ride any horse. I was forced to realize that I wasn’t perfect. After this, I was put on different horses and even though I sometimes struggled, I grew into a better rider. We will write a custom essay sample on A Girl and Her Horse or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page I was no longer a superhuman, just a girl and her horse.

Whos an Artist free essay sample

Mysister was the Artist, given infinite amounts of paper, paints, markers andcrayons. I was the Intellectual, receiving books. I had no objections, preferringprivate worlds to messy pastels. But one day, while cleaning my room, Idiscovered an empty pad of watercolor paper. Further searching uncoveredwatercolors and a paintbrush aching for use. My music was blaring, and somelong-abandoned part of me twisting within the confines of the monotonous routineof school, books, and studying sprang free. Water was obtained and a picturedrawn. It was nothing incredible, but the feeling that I had poured into it was.From then on, I couldnt create enough. I composed, drew, painted always withmusic that intensified and clarified the emotions I put on paper. Slowly, Iimproved. And as I did, sitting in my unsatisfactory green room, I began to yearnfor something big, a masterpiece, an ongoing creation. The transition wasboth sensible and unthinkable. Sensible because in my mind it was a naturalprogression, unthinkable because I knew of no one who painted murals on theirbedroom walls. We will write a custom essay sample on Whos an Artist? or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page It began with a yellow moon set against a black night. If I hadknown how tiny the effort that moon took would be compared to my later creations,I might have given up then. That is the only time in my life that I am glad tohave been ignorant of something. My pictures grew around the moon.First the nature scenes, then the girl encircling them, then the comet. On and onwent my masterpiece. I, the girl who would only wear blue, could not believe thecolors bursting from my paintbrush. I slept facing my bright creation, the huesimprinting themselves on my previously monochromatic brain. At times thereseemed so little there, the amount of unpainted space enormous, and at times Icould not believe the amount of wall I had covered with color andfeeling. I knew I loved my walls, but I never grasped how much until theday I painted over them. My room was being re-decorated, and my pictures were notpart of the plan. I had painted them with the knowledge that they wouldnt last,but when the last remnant of color disappeared beneath pale blue, I was surprisedby the loss I felt. I fall asleep now staring at the clean, cool blueblanketing the colors beneath. They may now be covered, but I have had a taste ofthem. I have had a taste of shattering my own preconceptions, as well as those ofothers, of pushing through the surface to see what lies beneath. What I foundthere changed me, and no longer will I be so quick to dismiss the ideas I hear,the people I meet, or, most importantly, myself at face value.

The Obstacle Race by Germaine Greer

The Obstacle Race by Germaine Greer Germaine Greer books reflect issues affecting women artists. She is a feminist writer who explores the works of female painters. She looked at the contribution female painters have achieved. In her book, The Obstacle Race, Greer analyses the works and destiny of women artists.Advertising We will write a custom essay sample on The Obstacle Race by Germaine Greer specifically for you for only $16.05 $11/page Learn More She keenly observes why women have not excelled in the field of art. The author points at such issues like social, economic and gender factors as the main cause of women oppression in every aspect of their lives. Greer points out that for women to achieve their true excellence, they have to fight the conventional roles society imposed on them (Nochlin 30). Greer notes that a fundamental obstacle to progress of women is the institution of family. Whereas one should get all the support from family, it is ironical to observe that it is the family w hich is destroying women’s career in arts as well as other fields. Greer gives Marietta as an example. Marietta’s father jealously guarded her to the point of destroying her talent. Though Marietta was a highly gifted artist, there are extremely few traces of her paintings left. Female artists also faced obstacles from potential lovers. These men presented obstacles to prosperity of women artists. Greer uses a character like Frida, whose works and life Diego significantly influenced negatively. The relationships lead to termination of the development and prosperity of female painters as they take the roles of a wife and mother. Greer laments the loss of arts done by female artists. She writes that society’s physical neglect of women painting is worse than cultural vandalism. Greer symbolically equates this to a form of rape. She keeps on referring to neglected oeuvre, which is slowly disappearing. Greer alludes to names, which can longer be remembered. Society c onsiders women painting as non significance leading to their disappearance. This is how the vital part of women’s heritage is missing in history.Advertising Looking for essay on art and design? Let's see if we can help you! Get your first paper with 15% OFF Learn More Greer demonstrates that women painters who the society gave praise also ended up worse. Excessive praises lead to confinement of women artists. The society saw womanly arts as the solution to those qualities of arts rejected in men’s work. Their paintings failed to survive changing times in history and tastes. People thought that some painting done by women were the works of men. The public subjected successful women painters to gossips related to promiscuity such as Artemisia Gentileschi. Other female artists became the objects of desire for the society. Creative women working in different arts share common obstacles and challenges. These obstacles and challenges range from econom ic, social and to some extent, personal. The politics of male dominance is an issue of concern among women for a long time. The society perceives women artists and their conditions in the art industry from the view point of their male counterparts. John Stuart Mill recognizes the subjectivity and distortion of issues affecting female artists. This situation must be corrected to give an accurate view of women artists’ situations. In fact, Nolchin suggests that women should solve their own problems. The economic situations result into hardship among women artists. Women artists who were not lucky enough to possess considerable fortunes often had their careers at limbo. Nolchin blames the poor economic status of women in society and the education system. At the same time, she points out issues of racism among the dominant whites who could have affected the contribution of female painters in art (Nochlin 50). The social order in society creates social injustice to women artists. History distorts achievements of women artist. This is because there has never been a way to capture achievements of women and reflect them later in an accurate and non distorted way. The cultural ideological of the time subjected women professionalism to inadequacies and biases. Further, feminist scholars note that any question regarding female artists will provoke a chain-reaction, leading to other issues rather than the issue at hand. Talented female artists existed. However, history has never fully investigated their works or contribution to the field of art. Their contributions are neither recognized nor appreciated.Advertising We will write a custom essay sample on The Obstacle Race by Germaine Greer specifically for you for only $16.05 $11/page Learn More Since the period of feminism movements, the issue of gender and education took center stage. Rosenberg and Thurber bring issues of gender equity into art classroom. Equity requires that differences between men and women be recognized and provided for in gender studies. The authors are extending the same opportunities available to men through recognizing areas of gender inequality and reducing them via art and gender studies. For instance, inequality in recognition of feminist artists can only be addressed through gender and art education (Rosenberg Thurber 140). The studies try to recognize and value the ways in which women are different from men (identity). Women experience sexual, cultural and bodily variations from men, which the society should recognize and celebrate. These scholars put emphasis on enhancing the position of women as artists and projecting their values into artistic life. The study is critical of social equality methods where the male dominance is the norm against which society perceives women, and where women’s position transcends so as to achieve equality. Gender and art studies try to address the socially conceived male dominance nature as the me thods of evaluation seen relevant to social inclusion. The studies address the equality and difference rather than their incompatible oppositions. Gender inequality exists among social and cultural groups. However, gender and art studies show that equality can exist out of mutual respect for each gender, and affirmation of one another in their differences. These studies try to work out a strategy of artists’ group consciousness. Group consciousness will ensure mutual recognition and affirmation of group differences among artists of various forms of arts (Rosenberg Thurber 30). Gender-related ideas and assumptions have affected women’s creative abilities is several ways. Studies suggest that women demonstrate their creative abilities in several ways from aesthetic sensitivity, personal, relationships to public life.Advertising Looking for essay on art and design? Let's see if we can help you! Get your first paper with 15% OFF Learn More Female artists have realized their creative abilities and expressed them in several spheres of life. This has enabled them to develop their talents. Female artists are in a position of adjusting to problems they encounter. A number of creative women have nurtured their skills throughout due to achievements made by feminism movements. The developments associated with gender equality have sensitized women, and they are striving to have their artistic works gain recognition. For instance, female authors often portray issues affecting them in their works. At the same time, they can demand equal representation in art arena. Gender-related ideas tend to encourage women to minimize the gender gap that previously existed. Historically, society isolated and labeled successful female artists with sexual connotations. People never appreciated and recognized women artists. In fact, their works disappeared due to negligence. Female artists have become more assertive and have demonstrated their v ital and various creative abilities. Gender and art studies show that women have emerged strongly and now competing aggressively with their male counterparts. Nochlin, Linda. Women, Art, And Power And Other Essays. New York: Westview Press , 1989. Print. Rosenberg, Martin Thurber, Frances. Gender Matters in Art Education. Worcester, MA: Davis Publications, 2007. Print.

Immanuel Kant's attempt to reconcile materialism and dualist ideas Essay

Immanuel Kant's attempt to reconcile materialism and dualist ideas - Essay Example Kant was in agreement with most of his predecessors who claimed that through analyzing practical reason, one would only deduce the need for any rational agents to adhere to instrumental principles. On the other hand, he also maintained that adherence to the Categorical Imperative, which is a non-instrumental principle, together with the moral requirements, is vital to rational agents. It is for his view that there has to be autonomy in rational will, or freedom in terms of writing its binding law. As such, morality’s basic principle is mainly the freedom that comes with it in terms of autonomous will. According to Kant’s thoughts, the occurrence of self-governing reason among individuals provided effective grounds for holding each one as of equal respect and equal worth. The autonomy of will as expressed by Kant in his description of the groundwork of morality thus questions the impact of materialism in terms of the mechanistic laws that have been developed to govern so ciety, forcing individuals to conform to the already predetermined thought and consequences. As such, Kant believes that such laws inhibit freedom; hence, morality since individuals need to be free to choose to assume accountability. To have a clear understanding of Kant’s view concerning materialism and dualism, it is important to review his thought on moral law and duty. Kant observed that duty respects lawfulness, an aspect that formed its singular motivation. It is important to note that laws or rules establish duties. For instance, the bylaws established by a certain club would spell out the duties that are to be carried out by each of its officers. On the other hand, the state or city laws define the duties that are to be carried out by its citizens. As such, if one engages in something because it is their duty in their capacity, or their civic duty, or as good citizens, then their motivation

Religious Movements of 18th Century America Essay

Religious Movements of 18th Century America - Essay Example The Awakening was the first major religious movement to sweep through the colonies. By 1720, church membership had declined and in many areas in the backcountry preachers and churches were not available (Nash et al., 149). The Awakening was a non-denominational movement that derived its popularity from the belief that anyone could preach the word of God simply by being 'born again' into their faith in Christ. This attracted nomadic preachers and a revival environment that spread throughout the countryside. Because many of its followers were non-traditional and poor, the movement often became a lightening rod for social movements. The movement was able to draw distinctions between the elite and the poor and in doing so became an instrument of political and social reform. The Enlightenment had begun in the middle 17th century in Europe and spread to the colonies by the early 18th century. It was also a religious movement, but believed that man and science could reason the universe and come to an understanding with God. This belief, known as deism, promoted a natural order in the world (Henretta, Brody, and Dumenil, 113).

Problem of Environmental Pollution

Problem of Environmental Pollution Environmental pollution â€Å"The sun, the moon and the stars would have disappeared long ago had they happened to be within the reach of predatory human hands.† (Havelock Ellis) We have stepped into the twenty first century, in this century; one of biggest problem faced so far is environmental pollution. Environmental pollution is the contamination caused by man made waste of air, water and land, which effect s or causes discomfort in the ecosystem of earth. Air pollution and water pollution are the most dangerous environmental pollution in earth. According to Havelock If humans could reach the sun, moon and stars they would have even polluted them. This essay will discuss the consequences of man made pollution to environment and its solution. The essential oxygen for our body is supplied by air. Human activities release substance into the air, which can cause many problems to human, animals and plants. Some of the effects of air pollution are reducing lung faction, Irritation of eyes, nose, mouth and throat, Asthma attacks, Respiratory symptoms such as coughing and wheezing, reduced energy levels, Headaches and dizziness, Disruption of reproductive and immune systems, Cardio problems, Cancer, Premature death.(Tropical rain forest animals.com). According to many doctors these are some of the diseases that are spread by breathing polluted air. One of the major causes of air pollution is â€Å"Global Warming†. Global warming is the increase in the average temperature of earths surface. â€Å"The temperature of the earth is controlled by the balance between the input from the sun and the loss of this back into space†.(Maslin, p 4). Human activities have sent harmful gases to the space, which has resulted in to a whole in the ozone layer of the earth which protects the suns heat form reaching earth. â€Å"The gas carbon dioxide has been emitted into the atmosphere in increasing amounts over the past two hundred years and more substantially over the past fifty years. Every year these emissions currently add to the carbon already present in the atmosphere a further eight hundred thousand million tones.†(Houghton, p 13) One of the biggest global warming effects is polar ice cap melting. â€Å"According to national snow and ice data centre there are 5,773,000 cubic tones of water is available in the earth in the form of ice and snow. If all these ice and snow starts to meltdown in once, the sea level will rise up to two hundred and fifty feet higher† (Simmon 2007), which might cause natural disasters like tsunami, hurricane Katrina and etc. One of the other effects of air pollution is disease and premature deaths. As every one knows oxygen is an essential for a human or an animal to live. The factories, other building in the industrialized places and motor vehicles release harmful gas as waste; this gas gets mixed up with the natural air. When humans and animals breathe this unhealthy air they fall ill. If a pregnant mother breaths this air in can even cause death to her baby. These are some of the effects of air pollution. In this world one third is covered with water in the form of ocean, lakes, rivers and etc. â€Å"Water Pollution means, the contaminated water which cannot be used for any purpose† (Mc Kinney, p 408). The causes of water pollution are industrial waste, oil, radio active waste and marine dumping. When water is polluted in cannot be used for drinking, cannot be used for the crops by farmers and for other essential purposes. The effects of air pollution are diseases caused by drinking water, human and animal deaths and affecting the gene. Water is one of the basic needs of human and others lives. Human activity like dumping waste in oceans has polluted the water. All the forms of water are inter connected, when people dump plastic, papers, card board and other items which takes time to degrade, pollutes the whole water. One of the other water pollution effects is human and animal deaths. As every one knows human body and animal body is some of the greatest creations of god. We humans pollute dump all the waste in sea which will take time to dissolve. Due to the waste, chemical and toxic it poisons the water. When human and wild animals drink this water they fall sick then die mainly in developing countries. The other main effect of water pollution is effect on the genes. In many industrialized area all the factory waste and toxic are dumped in sea. The poor people who live around that area consume water from that sea which will be connected to rivers. When pregnant woman consume that water it directly affects the babys gene. When this baby is born there are many chances of this baby being born disabled or paralyzed. These are some of the effects of water pollution. Prevention is all ways better than cure. There is all ways prevention available for every possible disaster man had made to this earth. Firstly here are some of the prevention methods for air pollution. In our world one of the biggest industries that are growing is automobile industry. Do you know how much smoke is released in an average auto mobile? The answer is a lot. Because auto mobile has been an essential human need. To avoid the air pollution by auto mobile people should be advised to use public transport and government should encourage companies to produce electric car and other auto mobile which will not effect the environment. The other air pollution problem is the harmful gas released by factories. Best way to prevent this is to bring out laws to reduce factories that are releasing harmful gas or encourage them to use green methods for their factory activities which can bring out greener product to the society. â€Å"Legislation, such as the clean air act, helps to make sure that the main culprits of air pollution are properly regulated and mandatory laws are in place to ensure that air pollution prevention is taken seriously.†(www.controllingpollution.com) One of the other ways to prevent air pollution is to bring out and implement laws that will help to reduce the usage products that will release harmful gas and pollute the air. Laws like maximum gas products a house hold can use, maximum auto mobile a family can have, and rewards for people who use green products that will help the environment should be brought to encourage the society to become green user. And finally a prevention method for air pollution is creating awareness among the people. You always remember to share you thoughts about air pollution with all the other people in your society, which might help to educate them about the air pollution and its effects to environment. These are some of the prevention methods of air pollution. Other set of prevention methods that can prevent environmental pollution is for the water pollution. The first method of preventing water pollution is using purified water. Consuming purified and healthy water is a very important activity for human and other living organism. In previous paragraphs the effects of using unhealthy or polluted water was explained. When you consume purified water you can avoid many of the diseases caused consuming by polluted water. Water is one of the best medicines naturally available on earth. We should all ways remember to use boiled and germs free water to drinking purpose. And one of the other problems of water pollution is the factories that releases waste into river or lake. In many factories their waste pipe is led to a river or lake which is located next to their factory. The government should fine these kinds of factories who are not following the safety rules that are set to protect public. These factories should all so be dislocated from the area In order to clean the waste dumped in to rivers. â€Å"One of the main reasons why water pollution is still such a threat to our planets health is because the governments of the world either choose to ignore the pollution that business is responsible for or because they want to give businesses ten years to change their industry.†(www.scipeeps.com) According to this article if government decided to shut down a factory they should give them ten years change their industry of the business which might lead to lose of a income to government. These are some the prevention methods for water pollution. In conclusion, there are two main environmental pollution available. One is air pollution and other one is water pollution. Mainly all this pollution is caused by man. As the result of mans activity now the human and other living organism are facing many difficulties. The earth is a beautiful place but he humans with out appreciating we are causing many discomfort to it, forgetting that what ever you do to earth we are the ones who is going to struggle out of it.â€Å"When we heal the earth, we heal ourselves.†(David). If we decide to clean the mess that we have made in the earth, the earth will be a better place. If Humans decided to continue these activities, in future none of us will be left to alive in the world. We could even change this world in to a dessert, which many of us wont like it. So we should act fast because after us there are many generations to come in to this world. Bibliography David Orr http://www.quotegarden.com/environment.html (Retrieved 20/11/09) Different Ideas for Prevention of Air Pollution http://www.controllingpollution.com/prevention/prevention-of-air-pollution/ (Retrieved 29/11/09) Havelock Ellis, The Dance of Life, 1923 http://www.quotegarden.com/environment.html (retrieved 20/11/09) John Houghton (2009), what is global warming. Global warming-the complete briefing (Page 13), New York, Cambridge university press. Mark Maslin (2004), the earths natural green house. Global Warming- a very short introduction,(page 4),New York, oxford university press. Micheal L.Mckinney,Robert M.Schoch, Logan Yonavjak, (2007) Water pollution. Environmental Science: Systems and solution, fourth edition (page 408), Sudbury, Jones and Bartlett Publishers. Pollution effects on human, animals, plants and the environment, 2008: http://www.tropical-rainforest-animals.com/pollution-effects.html (Retrieved 15/11/09) Simmon 2007, 5 deadliest effects of global warming: http://www.environmentalgraffiti.com/sciencetech/5-deadliest-effects-of-global-warming/276 (Retrieved 14/11/09) Water pollution prevention, May 28, 2009 http://scipeeps.com/water-pollution-prevention/ (Retrieved 29/11/09) Sakthivel Senthooran (SASED93)

Safe Personal Computing to National Security :: Computers Technology Internet Essays

Safe Personal Computing to National Security Am I Safe at my computer? I’ve posed that question and others to myself many times. Are the e-mail’s I send almost daily truly secure? Are my confidential e-mails from the Ohio University’s server truly confidential? Who else can see what I see? Sure in a perfect world we all would like to believe we‘re safe but the simple fact is that we are not safe all the time and the world is not perfect. People â€Å"hack†, as it is referred to, into almost anything or anywhere. I’d like to think that most people would have the ethics not to violate my personal security, but that’s just it they don’t. This since increasingly our â€Å"e-criminal† of today has the technical skills of an adult and the ethics of a small child (Shuchman). Most astonishing of all is that this is occurring because they are small children, or teens. I choose this topic because computers, e-mail, and the World Wide Web are increasingly becoming the dominate necessity of m y daily life. I am at a computer a least three times a day for lengthy periods of time. I send out personal account information, my social security number and other important secure information across the web and not mention all the information I store my computers hard drive. So I ask once again am I safe? Hacked at Home and Nation Wide You use to only here about the â€Å"serious† e-crimes. You know the ones that try to take down the CIA or the stock exchange. Now the hackers and security risks are hitting home. In the form virus that can do anything from crippling your PC to sending in worms that eat up your files. The attacks aren’t just personal wither. In the spring of 2001 there were attacks on hundreds of personal computers connected to the web via the new broad band connections. Two attacks involving nearly 500 Windows-powered PCs with broadband connections were used to shut down a security consultant's Web site in Southern California (Thorsburg). Hundreds of home computers were seemingly recruited into some sort of malicious cyber army. This or these hackers used computer like yours and mine to work for them turn them against a larger network.

Pirandello: Six Characters in Search of an Author Essay

A theatre company is preparing to rehearse one of Pirandello’s plays, â€Å"which no one understood when it was written and which makes even less sense today† (Director, I). Before they are able to begin, however, the Characters enter and explain who they are, and that the author that created them had not been able to finish their play, and that they were in search of someone who would help them by finishing the job. The director agrees, and the characters tell their story, demonstrating scenes that were to be played. Not long after the first scene is played, it appears that there is some disagreement between the Characters and the Company, regarding the direction that the scenes should take. The Characters argue that they way that the Company play their roles is not â€Å"real† enough, not â€Å"true† enough. Contrariwise, the Director argues that some license must be allowed for the physical and temporal restrictions that stage production puts on their â€Å"reality.† The Characters insist on continuing their demonstration, culminating in the suicide of the Boy. The Company is horrified, some believing the child to be truly dead, others insisting that it was a trick. The Father replies to their questions with â€Å"What do you mean, a trick? It is reality, reality, ladies and gentlemen! Reality!† (Father, III). The Director, horrified and confused, calls for lights. When the lights have come up, the Characters are gone. Exasperated, the Director cries, â€Å"They’ve cost me a whole day of rehearsal!† DRAMATIC ELEMENTS: Point of Inciting Interest: The Characters appear during rehearsal and reveal that they are seeking someone to tell their story. The director agrees to help. Major Crises: *The Director realizes that the Characters are not actors looking to rehearse, and that they expect him to serve as their author and write their play. After some discussion with the Father, he agrees to continue. *At several points during the play, the Director is confronted with situations in which the Characters are unhappy with the scenery or the look or performance of the actors, or the direction that the Director is giving. Each time, there ensues a discussion on the â€Å"reality† of what the Company is portraying, versus the reality of the Characters’ story. Each time, the Characters eventually decide, reluctantly, to accept a less-than-perfect portrayal of their story. These crises have been condensed into one bullet point for conciseness. Climax: The Boy, demonstrating the final scene, shoots himself and dies. Denouement: The Company is horrified. The Father explains to them simply that this is â€Å"reality, ladies and gentlemen!† The Director calls for lights and finds the Characters have gone. He then cancels the remaining rehearsal time and exits. REACTION/ANALYSIS: Pirandello takes on quite a challenging question in Six Characters. This question, of how reality can be defined, goes all the way back to Plato,  with his Allegory of the Cave. While Pirandello does not answer that question, perhaps an ultimate answer is impossible to conceive, he does take it to a different level, and leaves the audience thinking. This universal question, in Six Characters, takes on a great depth. We, the audience, are presented with two realities, and are asked to define which is more â€Å"real† of the two. On one side, we have the Company, composed of â€Å"real† people who create â€Å"fabricated† stories through their work on the stage. However, Pirandello gives them absolutely no depth. It is clear that they are merely vessels for portraying this â€Å"fiction,† creating real stories in their shows, but they seem to have no â€Å"real† stories of their own. Contrariwise, the Characters, who are not â€Å"real† people, i.e. they have been â€Å"created† by some unknown Author; have a story, a life, that is much more â€Å"real† than those of the Company. Conflict ensues when the â€Å"reality† that is created by the Company does not acceptably conform to the exacting standards of the Characters. The problem is that the Company must conform to the physical and temporal limitations inherent in stage productions, and sometimes they do not fully grasp the nature of the Character that they are portraying. This bothers the Characters, as they feel that it affects the â€Å"reality† of their story, to have it altered. â€Å"But that’s not the way it really happened,† seems to be their continual complaint. The question that Pirandello presents to us, and leaves us to ponder at the end of the play, is: â€Å"Which is more real, the â€Å"true† reality of the â€Å"fictional† Characters, or the â€Å"fictional† reality of the â€Å"real† Company? Being a non-dualist, I would personally argue that they are both real, however that is only my opinion. One final item that I will present for consideration is the religious connotation of the creator-deity figure, the Author. It is interesting to note, than when the Author of the Characters’ work is referred to, it is always Author, not author. The Characters are searching for an author to help them bring to life the story that was created by the Author. Perhaps Pirandello is drawing a subtle connection between the Characters’ quest, and our own search for â€Å"truth.† In the end of the play, the Characters vanish after completing their demonstration.  Through their quest for self-definition, the Characters actually achieve self-definition. Perhaps Pirandello is trying to say that, in a circular fashion, it is our human quest to define ourselves that, in the end, defines us.

The Black Veil The Presence Of Sin Essay - 2396 Words

The Black Veil: The Presence of Sin in Hawthorne’s Short Stories Nathaniel Hawthorne’s Dark Romantic views shine through his writing, showing that human nature is weak and selfish. Although his plots revolve around misguided people and the guilt of their lives, the guilt stems from their sins that are arguably unpardonable since they affect the sinners’ lives until they die. Hawthorne especially uses the theme of an unpardonable sin in â€Å"Young Goodman Brown,† â€Å"Roger Malvin’s Burial,† and â€Å"The Celestial Railroad.† First, Reuben in â€Å"Roger Malvin’s Burial† committed multiple sins that are arguably unpardonable. The narrator began the tale by describing how in battle heroism can be displayed â€Å"by casting certain circumstances judiciously into the shade,† exactly what Reuben tried and failed to do (88). He believed if he never admitted the truth of his actions, he would not have to face them and could move forward in his life. Consequently, he only cast his actions deep within himself, allowing his guilt to manifest and control his life. The first obvious sin is deceit. Reuben lied to Dorcas about burying her father. However, he lied to Roger, too. Reuben â€Å"vowed, by the blood that stained [the handkerchief], that he would return, either to save his companion’s life, or to lay his body in the grave,† but he was insincere (93). He â€Å"felt the full importance of the promise, which he most solemnly made, to return, and perform Roger Malvin’s obsequies,† and â€Å"a sort of guilty feeling,Show MoreRelatedTheme Of Guilt In The Ministers Black Veil1065 Words   |  5 PagesThe Manipulation of Sin and Guilt The notion of sin and guilt controls not only individuals, but society as a whole. Sin can be either recognized or ignored; as a result of recognition, societies and individuals are able to better themselves, but when ignored, sin is still manifested in those within; in order to fully make progress in one’s character, sin has yet to be recognized.In the parable â€Å"The Minister’s Black Veil,† Nathaniel Hawthorne initially illustrates a town full of â€Å"good people,†Read MoreAnalysis Of The Ministers Black Veil By Nathaniel Hawthorne1549 Words   |  7 Pagesshort story â€Å"The Minister’s Black Veil† by Nathaniel Hawthorne follows the minister Mr. Hooper whose simple change in appearance alters the very nature of his existence in society till his death. While his decision to begin to wear a black veil over his face ostracizes him from society, it also turns him into a more influential clergyman. With the symbolism of the black veil, Haw thorne makes a statement on the involvement of society in personal matters and the â€Å"black veil† that is present over theRead MoreThe Minister s Black Veil1004 Words   |  5 PagesThe Minister s Black veil is a Romanticism. A romanticism is a movement in the art which sprung during the eighteenth and nineteenth century.Romantic is used to describe literature. It is defined as a depicting emotional matter in an imaginative form. As well as the imagination and emotion and the freedom embraced are all focus points of romanticism. Characteristics Of this literature piece would include subjectivity and an emphasis on individualism. Solitary life rather than life in society. TheRead MoreEssay on The Ministers Black Veil1109 Words   |  5 PagesHawthornes The Ministers Black Veil, Mr. Hooper, a Reverend in the town of Milford, surprises his parishioners by donning a conspicuous black veil one Sunday. The town is visibly spooked, yet still curious, about his eerie appearan ce and profoundly affected by his sermon on secret sin. A subtle power was breathed into his words. Each member of the congregation, the most innocent girl, and the man of hardened breast, felt as if the preacher had crept upon them, behind his awful veil, and discovered theirRead MoreCritiques of the Puritan Norms by Nathaniel Hawthorne in Young Goodman Brown982 Words   |  4 Pagesof the primary themes of Puritanism is the concept of original sin, and Hawthorne seemed to have a preoccupation with this concept. In â€Å"Young Goodman Brown† and â€Å"The Minister’s Black Veil,† Hawthorne uses different characters and different scenes to make important statements on the nature of Puritan life. Specifically, the two works are linked from a thematic perspective. They both focus on the ways in which the Puritan concept of sin can cause a soul-crushing brand of guilt that afflicts all partsRead MorePsychological Terror in â€Å"the Ministers Black Veil†1578 Words   |  7 Pageswhich eventually leads him or her to their true love, or some sort of happiness at the end. But what effect do these expectations have on our interpretation of a story? Since my goal with this essay is to attempt to categorize the â€Å"The Minister’s Black Veil† by Nathaniel Hawthorne, I will need to investigate what characteristics are present, in hopes that these characteristics will lead me to some sort of definitive answer about the genre of this story. First, we must look at the elements of theRead MoreFigurative Language in â€Å"The Minister’s Black Veil† Essay1032 Words   |  5 PagesMinisters Black Veil illustrates the dangers of secret sin. Allowing guilt from things done in the past, things that cannot be changed, can ruin lives. The life of the secret-carrier will be devastated, along with the lives of that persons most loved ones. Hawthorne uses various types of figurative language in his works to portray his message. The Ministers Black Veil† is no exception; Hawthorne uses symbolism and suggestion to add depth and mystery. Hawthornes parable, The Ministers Black VeilRead MoreRepresentation of Evil in Poe and Hawthornes Stories Essay979 Words   |  4 PagesMiguel Bonilla Rivera Instr. Adriana Dorado INGL 3104, sec. 080 22 February 2013 The Evil Presence Since the discovery of philosophy by the Greek civilizations man has always tried to find the cause of many fundamental problems that are connected to the reality and existence of factors that contribute to these dilemmas but still remain unknown to humanity. One of the most controversial questions philosophy tries to answer is the origin of what we consider evil, who or what is connected toRead More Nathaniel Hawthorne: No Ordinary Author Essay3147 Words   |  13 Pages structures results in little to no variation.   One author, though born into the era of Romanticism dared to expand the possibilities nineteenth - century literature had to offer.   Through works such as Young Goodman Brown, The Ministers Black Veil, and The Birthmark, Nathaniel Hawthorne incorporated Romanticism into his own style.   Including ordinary men, such as Mr. Hooper, Goodman Brown, and Aylmer helped to classify Hawthorne as a semi-Romantic author.   Other Romantic characteristicsRead MoreT he Books Persepolis By Marjane Satrapi1583 Words   |  7 Pagesthe hijab Islamic veil which all women are forced to wear after the 1979 Islamic Revolution. In Loung’s, it’s the black pajamas that she and her family are forced to wear while they are prisoners in Ro Leap, Cambodia. Marji is first introduced to the veil in a way that would be confusing to many children her age. From a child’s perspective, the requirement for all women to suddenly have to wear this additional piece of black clothing came very suddenly and unexpectedly. The veil is used throughout