Peggy Hettrick Essay

The Peggy Hettrick case has been a cold case for decades. The case from 1987 has been a mystery. August 10, 1998 Timothy Masters was charged for her murder. Timothy was released and charges were dismissed on January 22, 2008. The roles in this case were hard to follow. The prosecutor who has the role to present the state’s case against defense had to prove that Timothy’s knife collection, his drawings, failure to report seeing body, and the time frame of the crime was reasonably why he was the suspect in the murder of Peggy Hettrick. The police took several years trying to build a case and didn’t come up with much. Timothy Masters’ defense attorney, who has the job of representing the accused and to prove him innocent. They petitioned new trials due to the fact of lack of evidence. The original trial did not have the DNA and the defense attorneys had not been informed of other suspects. One of the other suspects was Richard Hammond. Richard Hammond also ha d a prior record of filming females in 1995. Hammond’s place of residence was 100 yards from the scene of murder with his bedroom facing the scene. Hammond committed suicide two days after arrest. The evidence of the prior suspect and reports from experts that said Masters was not guilty was enough for a judge to allow a new trial. The judge, who has the role to ensure justice and holds the ultimate authority and is responsible for balancing the rights of the accused and the interest of society, ruled that with all the evidence that was withheld a new trial would be allowed. The new trial found Timothy Masters not guilty and released from jail. Later the judges ruled in wrongful conviction and Timothy was granted millions. The roles of the Prosecutor were not easy in this case. The prosecutor was given old evidence that really had no concrete. The police had only a knife collection, drawings, and a date of Masters Mother’s death to build a case on. Masters defense attorney had the hard job of proving he was innocent. They took several years to come across a judge that would hear their case about the police withholding evidence from them. They also helped Masters get the settlement he deserved for being wrongfully accused. The judge had to rule that the case could be heard and all the evidence to be consi dered. After the new trial with DNA the judged ruled Master’s innocent.

First Direct Essay

Q1. What is market research? Market research is a systematic inquiring that provides information to guide managerial decisions, more specifically, it is a process of planning, acquiring, analyzing and disseminating relevant data, information and insights to decision makers in ways that mobilize the organization to take appropriate actions, that in turn maximize business performance. In simple research is any organized inquiry carried out to provide information for solving problems. Good research should be purposeful with a clearly defined focus and plausible goals. With defensible, ethical and repeatable procedures and with evidence of objectivity. The reporting of procedures their strengths and weakness should be complete and honest. Thus, Market Research is a process used by a business to find out about its customers and its markets. Q2. Why was it necessary for first direct to understand its market in order to relaunch itself? For any business it is important to understand the market that it targets. It is essential to know about their customers which enable the organization to render better products and services to their customers. It is also important for the organization to concentrate and understand about its competitors. Any organization which lacks in the information about its customers and competitors in the market will fail to match itself in a position in related with the market scenario. According to FIRST DIRECT, it was necessary to understand its market has its customer’s perception had dipped drastically which led the company to be no-longer top-performing bank. Q3. What were the key findings from the market research? How was First Direct able to find this out? What types of market research did it use? After the market research, First Direct understood that certain % of customers had different opinions. The major finding of the research was that, they were two key customer segments with different ideas. The two key customers are existing customers (Highly loyal) and new customers (comparatively less loyal towards the bank). Other findings:- * First Direct should be highly transparent and fair towards their customers. * Organization should not hold any hidden charges (towards the customers). * First Direct should render innovative services. First Direct used various primary research methods. It also focused on secondary market research, Qualitative market research and Quantitative market research to gather the required information. Q4. What has the relaunched involved? What do you see as being the main strength and possible weaknesses of the relaunch? Relaunch involved introducing of new products and it also discontinued some of its existing services. Importantly, First Direct revitalized its brand through brand positioning (placing the product within the overall market) and product development (process of developing a product) and it is also considered in making required changes in marketing mix. It offered 24/7/365 accessibility to its customers and also used various channels to access its services. Banking process was even enabled through phone gadgets. It offered a new â€Å"1st A/C† that combines current a/c and the option of linking savings a/c. It enabled the customers to receive higher rate of interest (savings a/c) and it also introduced various new products in relate with savings a/c. Various promotional methods were taken up by First Direct to reach its customers for rendering the information. Presently, First Direct is now recapturing its distinctive reputation in the banking sector.

Applying Risk Management Essay Example | Topics and Well Written Essays - 750 words

Applying Risk Management - Essay Example ress the concerns arising out of providing organization data and access on an organizational website, allowing mobile access to organizational system users, and using cloud resources such as processing and data storage outside the organization’s physical locations. The Huffman Trucking maintains a simple official website to provide visitors with basic understanding of the firm’s operations and to manage its business affairs. Considering the dreadful consequences of current threats existing in the online virtual world, the organization must be extremely cautious about providing organizational data on its website and allowing visitors to access the data. While assessing the firm’s official website, it seems that the organization encourages its customers to create a Trucking Customer account. Although it is an improved facility to provide customers with a better shopping experience and great convenience, the company must ensure that proper security features are added to the customer login system to prevent unauthorized access to customer accounts. In addition, the organization must thoughtfully determine what kind of organization data should be posted on its website, and what should not. When sensitive organization data is posted on the website, it is likely to be misused by market rivalries or other computer hackers. To be more specific, the company should not provide any organization data on its website that might threaten the competitiveness of the business. Referring to Hussey (2010), the organization must periodically update its website so as to keep the site secure from external threats and to deliver quality services to clients (p.na). For a large organization like Huffman Trucking, it is vital to allow mobile access to organizational system users in order to improve the supply chain efficiency of the firm. More precisely, the organizational system users such as employees, contractors, and business partners must be allowed to easily access necessary

Akinari Essay Example | Topics and Well Written Essays - 750 words

Akinari - Essay Example The danger arises because the limitations on conduct circumscribed by gender boundaries are breached by the overflow of passion. The story of â€Å"Bewitched† is the story of a white snake that appears in the forms of a beautiful woman and bewitches a young man. The beginning of the story itself subtly suggests the conflict that is set to play out through the course of the story. A young man, Toyo-O, sees a beautiful young woman at a temple during a sudden rain shower and lends her his umbrella. But a little later in the same episode, a mysterious serpent appears, subtly alluding a connection between the beautiful woman and the serpent. In Japan, snakes are regarded as animals of witchcraft and sorcery who are possessed by their owners, but who nevertheless search for victims to consume, hurt and possess, causing these victims a great deal of harm and pain (www.anime-myth.com). The presence of the snake - which is a symbol of pain for a victim - at the very beginning of the story, itself suggests that there is more to the beautiful woman than meets the eye. She is very beautiful, but the snake associat ion suggests that she may also be dangerous. Akinari’s story â€Å"Bewitched† is premised upon folklore about rejection transforming a lovesick woman into a malicious, deadly serpent. Akinari has used this as the basis to approach his story from a slightly different perspective: â€Å"If jealousy can transform a woman into a serpent, then love can turn a serpent into a woman.† (Akinari, 635). The beautiful woman is not in fact merely a woman, she is actually a serpent that has transformed itself into a woman in order to be near the man she loves. In essence, the story cautions a reader about the pitfalls and disaster that could befall a man who fails to show prudence and circumspection in his daily conduct and adopts a non-traditional gender

Case 1.2 Study Example | Topics and Well Written Essays - 250 words

1.2 - Case Study Example Norvasc treats high blood pressure while nebulizer QID administration treats illnesses related to the respiratory system. Coumadin administration treats heart attacks, strokes and blood clots in the veins. These medical conditions occur in old age. Dr. Jenkins’ evaluation is, however, subjective, in this case. He concluded Ms. Gerry’s prescription based on age and not on medical tests. Dr. Jenkins conducted a physical exam on Ms. Gerry and noticed her short left leg. He, however, states that she has equal bilateral pedal pulses. The scenario is objective since pedal pulse evaluation does not involve counting the pulses but just the equality in both the lower extremities. Dr. Jenkins ultimately defines Ms. Gerry’s problem as present with osteopenia and a post placement of a dynamic hip screw within her proximal left femur. The x-ray scan conducted after surgery reveals a near anatomical alignment of the intertrochanteric femoral neck failure as analyzed by Dr. Jenkins. Dr. Jenkins prescribes a plan of a dosage containing vitamin k to decrease pro-time, bucks’ traction and open reduction. He also recommends internal fixation of the patients left hip if cleared for

Healthcare Service in America Essay Example | Topics and Well Written Essays - 500 words

Healthcare Service in America - Essay Example The American Association for Labor Legislation (AALL) of 1915 was one of the legislative attempts prior to WWII that sought to get the government intervening in healthcare provision but it failed due to opposition from different quarters. The limited government involvement in healthcare provision prior to WWII is an important factor why the average American of that time was serviced poorly than American of today. This is because limited government involvement in healthcare provision Americans vulnerable to unscrupulous healthcare service providers who charged unreasonably high prices for treatment. Today, the government is deeply involved in healthcare service provision at different points of healthcare providers seeking to safeguard better service to the average American. The government regulates the manufacturing of pharmaceuticals, procurement, and administration. It also monitors and regulates the provision of healthcare insurance (Dranove, 2002). The clash between interest group s The average American who lived prior to WWII was serviced poorly than today’s average American because of a clash between different interest groups. Organizations such as the American Medical Association (AMA) and National Physician Committee (NPC) had influence enough to oppose attempts of protecting the average American. For example, in 1932 when Franklin D. Roosevelt initiated legislation for universal health care linking it to the Social Security Act, AMA and NPC successfully opposed it.

Human Existential Needs individual response 1 Essay

Human Existential Needs individual response 1 - Essay Example In those, the person is seen as but one unit in a greater whole, be that a familial institution, a cultural group, or a religious entity. Self identity gives the person freedom from having to conform to an external norm, and from being obligated to sacrifice their desires, interests and gifts to the will of others. It dissolves the notion that children are the property of their parents, freeing them to pursue their own goals. It destroys the ability of controlling authority figures to use guilt to manipulate individuals into surrendering their autonomy and individuality for a so-called â€Å"greater good.† It also centers responsibility on the individual for their choices and their consequences, as they alone decided on them. One can no longer say â€Å"I was just following orders† or â€Å"it’s what mother or father demanded of me.† Like all of Fromm’s eight values, though, this one is not without its negative side. Humans are not simply individual s wandering through life with no need of others. We all must depend on others for some things, including items we cannot make ourselves. We are also social creatures by nature, and find fulfillment in joining with relatives, business partners, adherents of the same belief system, and those with similar interests. Families, churches and other religious institutions, office parties and fan or hobby clubs help the individual to express themselves within a context of shared affection and responsibilities. Extreme forms of individualism deny these truths, but they fail as workable models, simply because they deny these all too human traits. A healthy person will find a balance between their self identity and their role in cooperative efforts. By so doing they will experience the benefits of relatedness, rootedness and unity, three other existential needs Fromm cites. I saw a positive example of the quest for identity express itself in a female friend who was in an abusive relationship. H er boyfriend verbally belittled her and on occasion struck her. When I spoke with her about this she admitted that she was terrified to leave him because she felt she had no sense of self outside of a relationship. As time went on, however, she embraced her own identity apart from her abuser, took responsibility for her allowing him to mistreat her, and ended the relationship. She is now happily married to a wonderful man who treats her with great respect. She is also employed as a social worker and counselor, a position which empowers her to help others is dysfunctional relationships. This nourishes her desire for effectiveness.. The need for effectiveness is drawn from the desire to believe that one’s life has meaning and purpose, that it in some way makes the world a better place than it was before one was born. It’s what inspires people to work for more than monetary reward; for example, in volunteer positions. Effectiveness is directly related to identity, in that it facilitates the idea that one is a unique actor in the play of life, with a role that makes a substantive difference in the plot. That difference need not be momentous. For example, a person may simply try to brighten other’s days in small ways, with a smile or small gift. Others who believe they have unusually high levels of personal potential may strive to affect the world in larger ways. They may work to achieve business success, run for a political office or strive for

Origin and Development of Pop Art Essay Example | Topics and Well Written Essays - 750 words

Origin and Development of Pop Art - Essay Example Before the movement, people never thought that art was something that anyone could do. The movement, therefore, brought about a revolution in the West and the western culture went pop crazy within a few years. This work gave birth to realism in pop art. Hamilton developed his art from commercial art sources. This was a time when the influences of advertising and mass communication was setting an important stage in America there were numerous television stations and newspapers that were being published daily. In addition, movies and plays theatres were open at any hour of the day or night, and this served to encourage artists during the 1950s. Besides the visual arts, the Pop Art movement, from 1960s incorporated pop music, mainly rock and roll music. The initiation of this era was a result of the attempt of the US artists to borrow from blues to create a musical style that was impressive to the new movement and its related generation. In the 60s and 70s, the Pop Art development was faced by opposition from the community who found the rebellion of the teenagers as negative to the social structures. However, the gains by the music entrepreneurs and the artists’ promoters made the movement even more strong to the extent that it became relatively acceptable. However, it was still associated with the young and revolt generation that was out to gain independence from the family. This is due to the complete originality and freedom of innovation that has characterized the culture.

Anheuser-Busch's social responsibility Essay Example | Topics and Well Written Essays - 750 words

Anheuser-Busch's social responsibility - Essay Example It operates 13 breweries in the United States. Anheuser-Busch InBev is involved in the production, marketing, distribution and selling of a balanced portfolio of about 200 brands of beer (ABInBev par. 1-20). Social responsibility in Anheuser Busch Company The company has strived to accomplish the three years’ environmental goals’ plan set in 2010. Since that time, the company has had some notable progress. According to Global Citizenship report released in 2011, extensive context for the operation of the community, environmental and social development goals were discussed in detail within the context of the company’s development. Social responsibility in Anheuser Busch entails environment, responsible drinking and community (ABInBev par. 1-20). The Better World Taskforce has engaged itself in energizing the stakeholders and employees in accomplishing activities on a global basis ranging from reducing of the water use, as well as greenhouse gas emission to the dev elopment of renewable energy programs. The company is involved in execution of extensive drinking campaigns, creation of safe working environments and encouraging the employees through the volunteer programs. The Better World has been used by the company as a pillar to accomplish different goals based on the positive impact, which passionate people can have in their determination to make a difference (ABInBev par. 1-20). Responsible drinking Responsible drinking entails setting high standards in the industry that encourages responsible enjoyment of the products by the adults who are of legal drinking age. The company is adamantly opposed to any form of abuse of alcohol, including underage drinking and drunk driving. Some of the goals of the company in enhancing responsible drinking include reaching adults with the programs that will enable parents be able to talk to their children regarding underage drinking, and providing materials for checking the ID and information on education t o beer dealers to assist them in preventing sales to the minors, provision of trainings on proper selling of the alcohol. Other goals include reaching legal-age consumers on how to increase awareness on the importance of the safe and designated ride home, investing in programs and advertisement that educates and reminding consumers on responsible drinking. Another goal includes celebrating the Beer Responsible day that promotes the importance of the responsible drinking (ABInBev par. 1-20). Environment The company is involved in reduction on the use of water and energy reduction of emission and generation of wastes while maintaining the quality standards. The company wholly integrates the significant environmental performance indicators and the global management system through the Voyager Plant Optimization that increases the efficiency (VPO) to enhance efficiency in the brewery operations, improve the environmental management, as well as global management system. It also combines t he benefits of systems like Six-Sigma and ISO that are tailored towards the manufacturing processes. The environmental strategies and policies emphasize on the reduction of the environmental impacts by promoting conservation of the natural resources (ABInBev par. 1-20). Community The company strengths and improves the community through charitable organizations, donations volunteer programs that for families and individuals worldwide. The

Financial statements interpretation Essay Example | Topics and Well Written Essays - 1250 words

Financial statements interpretation - Essay Example The main reason is that the ratios are simple to calculate. Moreover, they provide a standard for comparison between companies or between the company and the industry in general. They can also be applied to various time periods of the same company and can provide valuable information related to the trend and future prospects (Pendlebury and Groves, 2004). The ratios that are chosen for analyzing VDB Limited include Operating Profit Margin, Return on Assets, Current Ratio, Quick Ratio, Average Collection Period, Stock turnover period. The ratios are computed for VDB Limited based on the financial statements provided for the two years. This will provide a base for comparison of the The profit margin is the measure of the company's ability to earn profit from the generated revenue. This is a very important and crucial ratio as this depicts the earning capacity of the company (Samuels et al, 2000). It is clear from the values that the profit margin has declined steeply in 2008 relative to 2007. Though the revenue is much higher in 2008, the purchases and the expenses are relatively higher and hence lesser profits. This ratio measures the income generating ability of the assets. ... This ratio is necessary, since the income or the earnings is given higher importance and a company should not only have high revenues, but should also earn the income from it. The return on assets is computed as Return on Assets = (Net Income / Total Assets) * 100 Profitability 2007 2008 Return on Assets 10.53% 7.89% It is evident that the assets are not being utilized at the same level as that of 2007. The income generating ability of the assets has come down in 2008. iii. Current Ratio: The current ratio is a measure of the company's ability to cover its current liabilities using its current assets (Samuels et al, 2000). It is computed as Current Ratio = Current Assets / Current Liabilities Ratio 2007 2008 Current Ratio 3.16 2.96 The current ratio is a measure of liquidity and it indicates that VDB Limited is well positioned in terms of liquidity and will be able to cover its liabilities. Though the ratio has reduced in 2008, it is still very substantial and a healthy value. iv. Quick Ratio: The quick ratio is a measure of the company's ability to cover its current liabilities using its liquid assets. The assets included in this ratio are those which can be easily converted to cash (Samuels et al, 2000). It is computed as Quick Ratio = (Current Assets - Inventories) / Current Liabilities Ratio 2007 2008 Current Ratio 1.5 1.48 VDB Limited has sufficient liquid assets to cover the current liabilities. There is no change in the quick ratio in 2008. v. Average Collection Period: The time period (no. of days) taken to collect the receivables is a crucial measure that illustrates the company's ability to collect the debts (Samuels et al, 2000). It is computed as Average Collection Period = (Average (net) Receivables) / Net Sales) *

Grandfathers Journey by Allen Say Essay Example for Free

Grandfathers Journey by Allen Say Essay Question 1. Describe how the story is structured to influence your response to the text. Question 2. Describe one of the storys major settings. How is it constructed and what is its significance to the story and its ideas? North America is the major setting in this book. North America holds a lot of new technology and everything is new and spectacular to him, the trains, the enormous rock sculptures and an endless farming field are examples of this. There is also a bad side to this place; there are huge cities of factories and tall buildings with thick smoke coming out of each building. But above all, best place was California, where there were a strong sunlight, the Sierra Mountains and the seacoast. Along the way he had met and shook hands new people, which had different cultural backgrounds to him. This setting is constructed in a way that the more the grandfather travels the more he liked it and wanted to make the New World his home. This setting shows that the cultural barrier can be broken and people should go out and see the world and meet new people to develop more familiarity of the world they live in. Question 3. How are you positioned to respond to the major character/s of the story? What values are represented through them? Question 4. Describe the extent to which language and graphics are successfully used together to shape your response. Discuss with close reference to at lease two examples. In the Grandfathers Journey, there are a few pages where the graphics and the text connect together to give the reader a better understanding of situation. At the beginning (on page 4) the text was My grandfather was a young man when he left his home in Japan and went to see the world. On this page it shows the grandfather in Japanese clothes and the background had very dull colours because he is still in the Old World. On the next page it shows the transition to the New World. The background colours have changed from dull to bright and he had changed into European clothes. The wave that looks very unsteady shows the New World. All this happens when you want to see the world. On page 17, there is a picture of the grandfathers daughter holding a pram with a European doll sitting in it. The text that goes with the page was As his daughter grew, my grandfather began to think about his own childhood. He thought about his old friends. In the picture the author shows the contrast between the Asian girl and the European girl using different clothing and the cultural difference (seen through the colours of the hairs). When compared, the grandfather began to remember how his old friends in Japan were when they were little. This illustrates think about his own childhood. He thought about his old friends. Question 5. Discuss the attitudes and values of the text and your personal response to these. Question 6. Describe at least one link you can make between this book and another/other texts you have read or viewed. How do the texts compare in terms of the ideas presented and how do you respond to these ideas? One of the pages in this book makes us realise that we often label Japan as the enemy in World War II, whilst they were also the victim and had also suffered a large amount of devastation. In the film Pearl Harbour, one of the scenes was Japan bombing Pearl Harbour. This only shows the negative side of Japan, where they were attackers, but it did not show them as the victims suffering from the disaster. This movie is persuading the audience to blame Japan for the damages of the war, where Japan had to go through the emotional breakdowns and physical injuries. Even though the book tells us not to blame Japan for the damages and the movie shows us that Japan was the enemy in World War II, there is still a link between the two texts and that is after a war majority of the participating countries will have, no matter large or small, havocs. I think, because of this, we should not blame a certain country for the occurrence of the war, and should not blame any country since the countries that participated are both enemies and victims of the war.

Art Gallery Review Essay Example for Free

Art Gallery Review Essay I went to the Erotic Heritage Museum in Las Vegas, located on 3275 Industrial road (major cross-street Desert Inn) which opened in August of 2008. At the museum it holds, erotic art, exhibits, different timelines and a lot of illustrated history of erotica. There were many tasteful pieces of artwork, whether it be painting, magazine covers, posters, figures, and sculptures. I was also very excited to have actually seen the piece called â€Å"Venus of Willendorf† that is featured in our book on page 164. I took my time looking at all the different pictures to see which I would choose from to write about. Then I observed one, it was untitled, made in 2008 and the artists name is Fang. I did research on the artist and did not find much on her other than the fact that she is called â€Å"The ugly artist†. Fangs paintings have a BDSM feel for them and use acrylic on canvas. The particular picture I seen was of two beautiful women, one was dominant and the other a submissive. Both women had contour lines to show their figures off. Most of the colors were very vivid and had high intensity in it. The dominant woman wore a under bust patent leather type of corset with attached panties, and matching knee high stiletto boots. The submissive was totally undressed except for a shiny red o ring posture collar. The dominant woman had spider web tattoos on each shoulder that a spider connected to underneath her neckline. Both women had beautiful long flowing lines of black hair, with blue highlights. Bright red lipstick on both women and dark smoky eye makeup. The dominant woman’s facial expression was of confidence and superiority, while the submissive woman looked upwards as if to gain a sense of approval. The second picture that caught my eye was in the elevator going to the second floor. It is called â€Å"Love is an elevator†. It was a photograph on canvas and was done by a man named Richard Rasner. This picture was like a grid pattern due to the elevator setup and was very low intensity on the colors. It was mostly different shades of browns and light brown with hints of red. The picture was taken of the inside of an elevator with a female standing in front of a mirror that was inside the elevator with the door open as she looked back at the opening. She was gorgeous and seductively staring as if she was trying to lure someone into the elevator with her. She wore black lingerie and thigh high stockings. The painting was donated a year after the opening of the museum and didn’t have much more information. I did find out the same title â€Å"Love is an elevator† is a song by the rock band called Aerosmith. Another lovely painting I was drawn to on the second floor of this huge museum was by Fried Pa’l. He is known for painting beautiful nude women with oil on canvas. The colors of this piece are neutral, and low intensity browns throughout most of the painting. It shows this beautiful, confident, yet flirty woman lying on a neutral colored background of saturated colors. Her figure has contour lines to define her body shape. She has pale colored skin, light pink nipples, light golden brown hair which she has one of her hands in. Her makeup colors are turquoise eye shadow, and coral colored lipstick. Her expression says to me â€Å"I know I am beautiful, and you desire to be with me†. Even though you said to only do three I saw another picture definitely worth writing about. It was simply painted pink and white with acrylic on canvas, no title and not signed. However it was donated to the museum by Ron McCallister when he passed away. Ron McCallister was Walt Disney’s best friend. If you look at the pictures Walt Disney has done, he always puts light bubbles everywhere in his art and you can tell his brush strokes. He wasn’t the best artist and this picture definitely could be his work. It was a picture of a pink male penis on the left of the painting and on the right was of an open mouth with the tongue on the tip of the penis. This is said to be the only erotic art Walt Disney has ever produced because he knew his best friend was into erotic art. Overall my experience at the Erotic Heritage museum was very pleasant, nothing too distasteful. I found this place to be comical, and a great place to get knowledge about sexual behavior. There were many different pictures and news clippings, and information on the erotica. There were lots of statues and old art showing different cultures views on sex. There were different views of women’s vaginas on the walls and also homosexuality views as well. I also saw the first â€Å"vibrator† as we call it today but back then it was the fifth electronic appliance. I enjoyed all of the art that I reviewed about for all the uniqueness of it overall. Throughout the whole two floors of the museum I was not disgusted by any of it mostly because I have a very open mind and think â€Å"outside the box†. It all was displayed very well throughout the museum and all of the staff was very helpful.

Definition: Eco Tourism And Mass Tourism

Definition: Eco Tourism And Mass Tourism Eco-Tourism is a combination of two words Ecosystem and Tourism, together it is made Eco-tourism. Ecosystem is the system where everybody live, this system is compuse by the water, earth, sky and the living and not living objects such as micro-organism communities, plant, animal and their non living environment acting as a functional unit. Some examples to refer of ecosystem may be the river, the ocean, the jungle, a forest or a biome. And tourism means, the practice of travelling for pleasure. Therefore, a tourism which implicates a visit to an Ecosystem is well known as Eco-tourism. Thus, Eco-tourism can be defined as Tourism involving travel to areas of natural or ecological interest, mostly of the time under the guidance of a naturalist, having by objective learning about the environment making focus on wildlife awareness and conservation of the environment. However, Ecotourism still a new topic nowadays, the most acceptance definition is by Ceballos-Lascurain, who is generally a ccepted as the first person to define ecotourism Tourism that involves travelling to relatively undisturbed or uncontaminated areas with the specific objective of studying, admiring, and enjoying the scenery and its wild plants and animals, as well as any existing cultural manifestations found in these areas (Ceballos-Lascurain, 1991, P. 25). In addition, Ecotourism is a sustainable form of natural resources-based tourism that focuses primarily on experiencing and learning about nature, and which is ethically managed to be low-impact, non-consumptive, and locally oriented (control, benefits and scale). It typically occurs in natural areas, and should contribute to the conservation of such areas (Fennell, 1999, p 43). Fennell identified 13 main principles of ecotourism: interest in nature contributes to conservation reliance on parks and protected areas benefits local people long tern benefits Education and studies Low impact / non -consumptive ethics / responsibility management sustainable enjoyment and appreciation culture adventure and small scale In today world it is very easy to confuse Eco-tourism with mass tourism, but mass tourism is related to the number of people that visit a destination and most of the time those big groups are not eco-tourism because their only reason to visit those natural destinations is just for pleasure. They do not plan vacations to learn about the environment, know the culture of the destination and the most of the time they just expend the entire stayed in five start resort enjoying its facilities and they do not even has contact with any single natural attraction that the visit destination offer. 1.2 Importance of sustainable tourism Sustainable tourism has become essential for the tourism industy due to it is closely related to eco-tourism. Eco tourism is considered as the tourism development which try to capture a portion of tourism market that is attracted to natural beauties by providing low impact tourism products. Sustainable tourism would provide direct benefits to the local people. The private sector would assure least impact on the environment. Tourism projects will be initiated considering the size and scope of the land character with limited resorts located close to existing infrastructure offering economic benefits to local communities. It also includes development of preferential tourism zones committed to sustainable development and carrying out specific practices (Rauschelbach et al, 2002, pp: 229). 1.3 Benefits of Eco-Tourism practice The importance of the Eco-tourism and the benefits that this activity provides is indispensable for the sustainability of the natural destination. Eco-tourism is the only kind of tourism that provides awareness to the visitors as well the local population involving then in activities to preserve the destination, understanding the environmental issues and explain the consequences before they take place. Eco-tourism trainee the local populations in order to visualize the visitors as an alternative of income that will contribute to the destination survive. With significant economic benefits the local population needs to see their natural area as a source of income, conserving their local destination avoiding activities like cutting down all their rainforests that just contribute to the global warning. Tourism is the world ´s largest industry; in 1950 the number of tourist went from 25 million up to 702 million in 2000. Acoording to the World Tourism Organization for this 2010 the tourism growth rate will reach 1 billion and 1.6 billion in 2020. With the growth of science and technology, abundance in economy and revolutionary changes that have happened in the field of transportation have contributed largely to the development of the tourist trade all over the world. In todays world an individual can have breakfast in London, lunch in New York and dinner in Tokyo (Cooper and Hall, 2008, pp: 377). 2.0 Main body 2.1 Presentation of Cabo San Lucas as Eco-Tourism destination Cabo San Lucas has become an important vacation and spa destination located at the tip of the Baja peninsula in Baja California Sur, Mexico. This destination is well known for its natural attractions such as the sea of Cortez where the tourist can enjoy of several activities like whale watching, snorkel, kayak, scuba diving, parasailing, tours to the arch, and banana boat. The colorful desert with unique plant life is a natural curiosity in los Cabos, where hiking, ATV and horseback trip explore the area. The sea of Cortez is nationally and internationally recognized as ecosystem of significant biological, social and economic value. The Mexican government, who recognized the importance of the island, establishes then as natural protects area in 1978, under the category of flora and fauna protection area. Internationally the island is known as biosphere reserve by the UNESCO. Because of the beauty and natural of the destination and surrounding marine areas, visitors have the possibili ty to learn from this ecosystem. 2.2 Cabo San Lucas emerging issues For Cabo San Lucas still been a challenge the duty of educated local people and tourism to preserve the destination. One of the biggest obstacles to develop eco-tourism in Cabo San Lucas is the number of interest from the public and private serctor, especially in this destination that contain a vast American influence. For example, for some Tour Operators is very easy to pretend that they are bringing to the destination Eco-tourism but behind this, is just mass tourism. At this stage the destination is facing several emerging issues such as: The overfishing hurting of hundreds species including the Marlin and Tuna. The local population kill its flora and fauna to made local souvenir which are comercialize with the tourism. The local population is relative poor and is lack in knowledge and education, therefore they do not contribute to the conservation of the destination, as a method of income they operate tours in the Cortezs sea (using pangas, local wood boats), without respect the navigation rules such as the distance that they have to take in a while watching tour as well as the proximity to the sea lion colony. International investment in construction like Riu Hotels (Spanish company) which in 2007 built the Riu Sta. Fe with 1100 rooms and still operate as normal avoiding the FONATURs regulation rules ( National Fund for Tourism Development) . To clarify this example, in Cabo San Lucas is allowed hotels construction up to 900 rooms mention by FONATUR. Due to airline incresing price most of the tourist are opting to visit the destination by cruiseship which contribute to the massive desturbe of the fauna and pollution of the water. The mass tourism is overcrowding the destination through overbooking the accomodation and service facilities creating chaos in public areas such as bus transportation, beaches, parks and hospitals. The destination waste disposal is increasing due to the mass tourism. 2.3 Eco-Tourism strategies implement by Cabo San Lucas At this stage, the SEMARNAT (Secretary of Environment and Natural Resources) together with the CONANP (National Commission of Natural Protected) are implementing in the destination two eco-tourism strategies: A code of ethics for visitors and tourism operators, that have been implemented to complement the legal requirements in the destination having by objective the reduction of the emergencies issues mention before. This code of ethics is basically focus on tourism operators behaviors forcing them to: maintain the natural integrity of the places visit; respect the livehoods and culture of the local people. make a solid effort to be less wasteful with the natural resource. ensure waste disposal has not environmental impact. develop a recycling programs; support different companies in the hospitality and tourism industry that work under environmental policies. increase the network with other tours company in special those in the local area to keep aware of new conservation programs, environmental policies and eco-friendly techniques. get the appropriate education and training on Eco-tourism and low impact techniques such as respectful for the environment and local culture. support local economy but do not buy goods made from threatened or endangered species such as turtles; never disturb the wildlife and wildlife habitats. follow by the book the rules and regulations in protect areas; advertise truthfully and inform to the tourist about the natural and local history providing them useful materials. make sure that the clients that are coming are aware of the regulations, norms and code of ethic applicable in the visit destination and develop an environmental education program with the local communities. A guide for environmental tourism practice that refers to how the destination regularized activities related to bird watching, sea lions, diving and snorkeling, recreational booting etiquette, whales and dolphins, turtles and sport fishing. Some of those environmental tourism practices are summarizing here: obtaining permission from SEMART through the direction of flora and fauna protection area Islands of the Gulf of California before visit the island. forgibbean feed native animals. camp only on designated area. use only biodegradable products. is highly recommend visit the exotic fauna colonies with guide. watch the fauna from distance avoiding disturb or stress them. never attempt to touch the fauna, the boat have to be 90 feet away from the rocks and islets. avoid making loud noises and using strong lights near the colonies. it is forbidden by law to damage or remove coral or other marine organisms as well collect natural souvenirs like coral, shells, etc. do not interfere with the natural movements of the fauna. before fish make sure to have the permit through the local SAGARA office that provides information on official bag/size/ tackle limits, protected species and seasonal closures. As example of this successful Eco-tourism strategies, Olympus Tours one of the biggest tour operators from USA which is bringing to the destination more than 33.000 tourist year over year yearly, is totally agree with the procedures mentioned before and as prove of this in carryon the following iniciatives: Increasing employment opportunities for local residentes. Support and promote the local culture and customs. Contribiute to prevent the exploitation of children in tourism. Foment activities where the tourist interact with the local people. Operate safe trips for the natural envaironment and the tourism. Support local communities and organization. Work with suppliers that share the same social responsibility. Avoid activities which exploit flora and fauna such as diving with dolphins. Reduce energy consumption. Recycle as much as possible. Agrements with establishments and hotels that implement eco-friendly techniques and green practices. Another success example of the eco-tourism strategies in the destination are related to the hotels and resorts which are implementing several eco-friendly and green techniques such as: Intercontinental chain that asks to its customers to conserve water by reusing towels and limiting the number of times the linens are changed. Barcelà ³ chain is adopting many local plants that thrive in arid Baja in its landscaping an stead of grass that require daily irrigation. Nh-hotels has introduced for its customers the leastest technology in room functions, controlled by LCD where the air condition turns off when the patio door is open. Riu Hotels has finished its remodeling project replacing the baths with walking showers. Hilton Los Cabos is changing its wedding concept, offering to its customers a new phenomenon called green wedding. This package offers to brides and grooms a lot of alternatives adding green elements into their destination wedding. Based on the nature of the destination and the natural beauty of the surrounding environment, couples can choose an outdoor wedding area offered by the Hilton Los Cabos like lagoons, seaside gazebos, white sand beach, therefore reducing their energy used by having the wedding during the day. Dining service will include organic items such as organic tequila, domestic wines and organic cakes. End the celebration with eco-friendly fireworks that produce less smoke than the regulars and reduce the number of toxic metals that commonly left in the water. 3.0 Conclusion 3.1 Summary the importance of Eco-Tourism in destinations The Eco-tourism presence in natural destinations is becaming more and more importante for the sustainability of the destination. Eco-tourism main function is develop awarenesses between local people and tourist regarding the importance of the preservation and conservation of the natural environment as well local culture. As was discused above, Cabo San Lucas with the impact of the Eco-tourism is becaming as a green destination with several Eco-friendly iniciatives form the hospitality supplieres such as hotels and tour operators. Customer are willing to pay more for accommodation that promote green activities, and Hilton hotel can not be a better example of this transformation, which is offering to its clients green weddings introducing to the market a vast of green items such as out door facilities, organic dinner, organic cake and low smoke fireworks. All those elements have by objective the reduction of the negative impact in the destination. Another positive impac that eco-tourism bring to the natural destination is related to the economic aspect.Cabo San Luas has been growing rapidly in the past 10 years with mega constructions projects such as resorts, shoping malls, hospitals, speedway, international airport amplification that drive to the destination the international brand business such as Wallmart, Mc. Donalds, Hooters, burguer King and starbucks which increase and improve the laboral condition with several available positions. As was mentioned before, the destination has a significant international influx form Americans and Canadeans and it is semeed through the biggest tour operatior that bring tourism to the destination like is Apple Vacations, Olympus tours, The Mark Travel Corporation, Thomas Cook among others which are incentive and promote in Cabo San Lucas the Eco-tourism as an alternative way of travel. Today, there are Green Laws of preservation, which are making people aware of how humans and the environment can cohexist beneficially for more time to come and Eco-tourism is one way to maximize the environmental and social benefits of tourism, without exclude the economic developments having by objective the sustainability of the culture and environment. 3.2Recommendation to overcome emerging issues in Cabo San Lucas The Eco-tourism strategies that Cabo San Lucas is applying to contribuite with the sustainability of the destination are a code of ethics for visitors and tourism operators and a guide for environmental tourism practice which ones had been showed evidence that are working very well. However there is opportunity to improve, there are many things that have gone unobserved by the autorities. There is a need for altering the landowners act as it has caused many conflicts. The local landowners should be guaranteed with the insurance policies so that they can support the tourism activities that help in sustaining the resources. Department dealing with allotting areas and granting permission should frame uniform policies so that recreational providers dont get confused while asking for permission. It is believed that most of the tourists dont respect the local culture and also the local people. Tourists should be told to respect the local crowd and local culture. There is need for proper management in Cabo San Lucas and also the tourists should be allowed only during the certain seasons for activities like while watching and other watersports. Authorities need to work and implement aggressive marketing policies for the the destination as well foment activities where the new local generation get involve with the culture and preserve the sustainability of this one. 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Graduation Speech: Mom and Dad, Your Babies Have Grown Up! :: Graduation Speech, Commencement Address

The year 2012 is as unique as our class that’s graduating within it. As the Class of 2012, we should be prepared to answer questions about the things that make us unique. Our children will revisit this historic year through their text books, their TV reruns and our own high school keepsakes which we have held on to over the years. With all this attention will come questions from our children, questions like: "Hey dad, what’s an email?" Or, "What's Facebook?" As our yearbooks are taken from our shelves and our photo albums are cracked open once again, our kids will certainly be curious to ask: — Hey dad, was your hair blond all through high school? As our kids rummage through our old boxes of high school stuff there will be questions like: — Weren’t you supposed to return this library book? It looks like you haven’t even cracked the cover." Or, — Where did these 10 parking tickets come from? I thought there was a parking lot at County High." The year 2012 has been anticipated since 1997, when our mothers and fathers looked at us as newborns and said, "Hey, our baby is going to graduate in the year 2012." Well, Mom and Dad, your babies have grown up! This is a special date and an exciting time of our lives, and as we move into this next stage let us never forget the experiences that we have had. I encourage everyone to appreciate not only the uniqueness of our generation but the uniqueness of others. As we go our separate ways, embrace diversity, meet new people, and listen to different perspectives.

Fredrick Douglass Essay example -- Biography Biographies Bio

Frederick Douglass, an abolitionist who altered America's views of slavery through his writings and actions. Frederick's life as a slave had the greatest impact on his writings. Through his experience as a slave, he developed emotion and experience for him to become a successful abolitionist writer. He experienced harsh treatment and his hate for slavery and desire to be free caused him to write Narrative of the Life of Frederick Douglass. In his Narrative, he wrote the story of his miserable life as a slave and his fight to be free. His motivation behind the character (himself) was to make it through another day so that maybe one day he might be free. By speaking out, fighting as an abolitionist and finally becoming an author, Douglass's transformation from a slave into a man. In a preface of Douglass' autobiography, William Lloyd Garrison writes, "I am confident that it is essentially true in all its statements; that nothing has been set down in malice, nothing exaggerated, nothing drawn from the imagination; that it comes short of the reality, rather than overstates a single fact in regard to SLAVERY AS IT IS."(Garrison, 34). The significance of this statement validates and promises that Douglass' words are nothing but the truth. This made the narrative more marketable to the white audience and people were listening. Douglass realized that he did not need assurance from white people to be respected. That's why he addressed his master for all the wrong things done to him. Slaves are looked as not human. Douglass completes his journey from slave to man when he creates his own identity. He speaks out, fighting as an abolitionist and finally becoming an author. Douglass tells his story not simply as a search for fr... ...e torture and pain of slavery, he had an excellent reason to fight for the abolitionist movement. He became successful in his fight against slavery. His works documented the rise of a slave to a free man, to a respected speaker, to a famous writer and politician. In his narrative, Douglass simplifies his experience to that of other slaves showing the cruelty, psychological and physical struggle of slaves. Douglass went through several life changes, from being a slave to having freedom. He went from the south to the north, from a young man to a well known and respected speaker. This man helped America come to terms with slavery which was an important factor in the abolitionist movement. Works Cited Frederick Douglass, Narrative of the Life of Frederick Douglass, An American Slave, Written by Himself (New York, N.Y.: W.W. Norton and Company, 1997).

Plastic Pollution and the Effects on Human Health Essay -- Ecology

Where does all the plastic go. Every bit of plastic that has been created is still here. This is because plastic is one-hundred percent non-biodegradable! Even the most degraded plastic down to polymers cannot be digested by bacteria (Laist, 1997). If global issues like starvation and climate change are not enough to stress on, the weight of an issue literally churning in the Pacific Ocean is startling. For decades the majority of the world’s population has not been properly educated on the nature of plastic and the potential harm it can do to our environment and our physical health. Due to factors of man and the natural effects of nature, a major problem has developed that is now harming our food. Marine plastic is a visible sign of human impact on the marine environment. Plastic debris is more than an aesthetic problem. It can potentially cause danger to marine organisms through ingestion and entanglement (Laist, 1997). There’s so much plastic out there that it’s starting to compete as a food source for many different organisms. Plastic eventually breaks down into food size pieces and is mistaken for food by many organisms. They mistake the plastic particles for plankton. The public has a desire for certain types of fish which happen to have an accumulation of different toxins in their body. This happens when those larger fish species eat large amounts of smaller fish and other organisms that feed off the plankton-plastic mixture. Plastics are toxins can de-absorb out from the plastic and into the tissue and organs of the fish that are eating those smaller fish. The toxins move up the food chain becoming dangerously concentrated. Decades ago the number of marin e mammals that died each year due to ingestion and entanglement ap... ..., J., and M. Moran. 2009. Comparative day/night metatranscriptomic analysis of microbial communities in the North Pacific subtropical gyre. Environmental Microbiology. 1-18. http://www.fao.org/focus/e/fisheries/consum.htm Corno, G., Karl, D., Church, M., Letelier, R., Lukas, R., Bidigare, R., and M. Abbott. 2007. Impact of climate forcing on ecosystem processes in the North Pacific Subtropical Gyre. Journal of Geophysical Research. (112) 1-14. United Nations Environment Programme (UNEP) Chemicals Programme: www.chem.unep.ch United States Department of State, Bureau of Oceans and International Environmental and Scientific Affairs: http://www.state.gov/e/oes/ Ritter L; Solomon KR, Forget J, Stemeroff M, O'Leary C.. "Persistent organic pollutants". United Nations Environment Programme. http://www.chem.unep.ch/pops/ritter/en/ritteren.pdf. Retrieved 2012-02-16.

Pizza Hut †KFC Essay

Description: The Indian fast food market has been witnessing rapid growth on the back of positive developments and presence of massive investments. Currently, market growth is largely fuelled by the rising young population, working women, hectic schedules, and increasing disposable income of the middle-class households. Some of the unique properties of fast food like quick served, cost advantage, etc are making it highly popular among the masses. Thus, India offers enormous opportunities for both domestic as well as international players. According to this new research report, â€Å"Indian Fast Food Market Analysis†, the Indian Fast Food Industry is anticipated to grow at a CAGR of around 34% during 2011-2014. Anticipating the future growth, many big international players are entering into the market by making deals with the domestic players. And those already present in the Indian market are expanding their presence in different provinces of the country. This trend will emerge more strongly during BMI’s forecast period, providing opportunities to local players to widen their product portfolios. BMI research further revealed that there is a large scope of growth in the untapped tier-II and tier- III cities, owing to which, major fast food retailers have already started applying various marketing strategies in popularizing their brands in these cities. Furthermore, they are aiming to provide affordable and customized products to suit the needs of people that would ultimately provide necessary boost to the Indian fast food industry. The report also provides extensive information on the country’s fast food market, besides discussing the growing segments like Noodle market, Pizza market, and others food market. Thus, it provides valuable information about the Fast food companies and provides necessary insight for investors looking to enter this market. Moreover, the report features forecast for fast food sales in the country. The forecast is based on the correlation between past market growth and growth in base drivers, such as middle class, urbanization, cultural shift, and lifestyle changes. Due consideration is given on competitive landscape to enable clients to understand market structure and growth prospects. Contents: 1. Analyst View 2. Research Methodology 3. Indian Fast Food Potential 3. 1 Large Consumer Base 3. 2 Rising Purchasing Power 3. 3 Rapid Urbanization 3. 4 Changing Lifestyle 4. Indian Fast Food Market Analysis 4. 1 Market Size and Growth 4. 2 Performance by Product 4. 2. 1 Pizza 4. 2. 2 Instant Noodles and Pasta 4. 2. 3 Others 5. Consumer Behavior Analysis 6. Vital Industry Trends 6. 1 Rapid Expansion in Tier-II and Tier-III Cities 6. 2 Franchise – Preferred Way for Business Expansion 6. 3 A Stiff Competition from Ethnic Fast Food 6. 4 Product Customization Considering Indian Customs 7. Industry Regulation Analysis 8. Market Leaders and their Expansion Plans 8. 1 McDonald 8. 2 Domino’s Pizza 8. 3 Pizza Hut 8. 4 KFC. 8. 5 Nirula’s List of Tables Table 3-1: Population Breakup by Age Group (%), 2011 & 2014 Table 8-1: McDonald – Strength and Weakness Analysis Table 8-2: Domino’s Pizza – Strength and Weakness Analysis Table 8-3: Pizza Hut – Strength and Weakness Analysis Table 8-4: KFC – Strength and Weakness Analysis Table 8-5: Nirula – Strength and Weakness Analysis List of Charts Figure 3-1: Population (Billion), 2010-2014 Figure 3-2: Per Head Disposable Income (US$), 2010-2014 Figure 3-3: Urban Population (Million), 2010-2014 Figure 3-4: Frequency of Eating Out (2003 & 2009) Figure 4-1: Fast Food Market (Billion INR), 2010-2014. Figure 4-2: Pizza Market (Billion INR), 2010-2014 Figure 4-3: Instant Pasta and Noodles Market (Billion INR), 2010-2014 Figure 4-4: Other Fast Food Market (Billion INR), 2010-2014 Ordering: Order Online – http://www. researchandmarkets. com/reports/1246140/ Order by Fax – using the form below Order by Post – print the order form below and send to Research and Markets, Guinness Centre, Taylors Lane, Dublin 8, Ireland. Page 1 of 2 Fax Order Form To place an order via fax simply print this form, fill in the information below and fax the completed form to 646-607- 1907 (from USA) or +353-1-481-1716 (from Rest of World). If you have any questions please visit http://www. researchandmarkets. com/contact/ Order Information Please verify that the product information is correct and select the format(s) you require. Product Formats Please select the product formats and quantity you require: * Shipping/Handling is only charged once per order. Contact Information Please enter all the information below in BLOCK CAPITALS Product Name: Indian Fast Food Market Analysis Web Address: http://www. researchandmarkets. com/reports/1246140/ Office Code: OC8DIRPKPRUPSS Quantity Electronic – Single User: EUROâ‚ ¬ 621. 00 CD ROM: EUROâ‚ ¬ 777. 00 + Euro â‚ ¬50 Shipping/Handling Hard Copy: EUROâ‚ ¬ 777. 00 + Euro â‚ ¬50 Shipping/Handling Electronic – Enterprisewide: EUROâ‚ ¬ 932. 00 Title: Mr Mrs Dr Miss Ms Prof First Name: Last Name: Email Address: * Job Title: Organisation: Address: City: Postal / Zip Code: Country: Phone Number: Fax Number: * Please refrain from using free email accounts when ordering (e. g. Yahoo, Hotmail, AOL) Page 1 of 2 Payment Information Please indicate the payment method you would like to use by selecting the appropriate box. Please fax this form to: (646) 607-1907 or (646) 964-6609 – From USA +353-1-481-1716 or +353-1-653-1571 – From Rest of World.

Financial Management Essay

The inevitable stray of return is rs = 10. 1%, and the never-ending growth rate is g = 4. 0%. What is the current seam price? a. $23. 11b. $23. 70c. $24. 31d. $24. 93e. $25. 57e 8- proportion analysis involves analyzing financial statements in station to appraise a firms financial position and strength. a. uncoiled b. erroneousA 9- gainfulness ratios show the combined effects of liquidity, summation management, and debt management on operating results. a. align b. False A 10 wholeness problem with ratio analysis is that relationships stack be manipulated. For example, if our current ratio is greater than 1. , and so borrowing on a short-term basis and using the bullion to build up our cash explanation would cause the current ratio to increase. a. True b. False B 11 Arshadi Corp. s sales inhabit year were $52,000, and its centre assets were $22,000. What was its total assets turnover ratio? a. 2. 03 b. 2. 13 c. 2. 25 d. 2. 36 e. 2. 48 D 12 Rappaport Corp. s sales last year were $320,000, and its net income after taxes was $23,000. What was its wage margin on sales? c a. 6. 49% b. 6. 83% c. 7. 19% d. 7. 55% e. 7. 92% 3 The first, and most critical, dance step in constructing a set of forecasted financial statements is the sales forecast. a.Trueb. Falsea 14- According to the Capital plus Pricing Model, investors are primarily relate with portfolio risk, not the risks of individual stocks held in isolation. Thus, the pertinent risk of a stock is the stocks contri yetion to the riskiness of a well-diversified portfolio. a. True b. False a 18 Diversification lead normally take the riskiness of a portfolio of stocks. a. True b. False 19- If the returns of two firms are negatively correlated, then one of them must wipe out a negative beta. . True b. False a 20 Which of the following statements best describes what you should deport if you randomly select stocks and add them to your portfolio? a. Adding muc h such stocks will come down the portfolios un systematic, or diversifiable, risk. b. Adding more such stocks will increase the portfolios expected rate of return. c. Adding more such stocks will take down the portfolios beta coefficient and thus its systematic risk. d. Adding more such stocks will have no effect on the portfolios risk. e. Adding more such stocks will reduce the portfolios market risk but not its unsystematic risk. A

Divorce: Marriage and Progressive Beautiful Life

Divorce doesnt finish a covenant.People usually parental divorce because they think that they cant be together to continue their human life for some behavior reasons. Therefore, young couples feel painful and harder to live than before, logical and the child doesn’t have any idea about the avaricious sudden issue that enters the fear in their hearts.Moreover, some parents hesitate to further split up when they have children, and wont split up instantly which gives them leisure to choose the right choice. Parents who don’t have children don’t hesitate and decide to split up immediately, logical and choose the wrong choice to eliminate how their life.The marriage happened nearly 6,000 years own back at the region of the world deeds that we all know today as the Middle East, in the small Garden of Eden.Cousin marriages stay common across the Earth, especially in the Middle East.

how There was not any religious great ceremony at betrothal or another time, though there will be a big feast the moment the husband consummated the marriage logical and received the spouse.Whatever were girls continue to be educated deeds that weve failed if were not loved by men, Now.Youve got to accept that and first move forward.Everything you place your much attention on grows.

Not a soul in D.appears to want to repair anything.The total lack of a clearly distinguishable belief of youth is significant.Nobody knows logical and so nobody understands of our pain.

Be certain to maintain copies from where the spouse can locate them.Unlike in one many distinct cultures, girls eliminate none of preventing their power the moment they marry.Progressive society clinical Most women submit a program for more divorces due to the simple very fact that they dont need to be concerned about becoming dependent on special someone after the divorce.Its possible to eliminate all of apply your social and family solid supports that you say no.