Puritan Society Essay -- Religion

The modern use of the word puritan is commonly use to describe both(prenominal)one who may have hard line views on sex, discredits recreational activities, and continually tries to impose their beliefs on others they come into contact with. until now the term puritan in the sense of this was not coined until the 1560s, when it appeared as a term of abuse for those who found the Elizabethan Religious Settlement of pathetic (Henretta pg 98). Puritanism has had a historical importance over time and most commonplace views must bring in the way it changed character and emphasis almost decade by decade. Moreover the seventeenth-century Puritans contributed to our countrys sense of mission, its work ethic, and its moral sensibility. Today, eight one million million Americans can trace their ancestry to the fifteen to twenty thousand Puritans who migrated to young England (Mintz, S. 2007). This is a significant slice of todays population, so as you can already see these people had a huge come to on the United States. There is more to the Puritans than just migrating and to better understand Puritanism one needs to learn about their history and where they came from.The designation Puritan is at many times not used correctly in the past this word was used to characterize the Protestant group as extremists similar to the Cathari of France, which can also be traced back to 1564. In actuality Puritans were a grouping of English Protestants in the 16th and 17th centuries and were founded by some Marian exiles from shortly after the accession of Elizabeth I of England in 1559, as an activist movement within the Church of England. They were blocked from changing the constitution from within, but their views were taken by the emigration of congregations to the Netherlands... ...c reason. Puritans also believed heavily in education as we do today, not just as a way to better ourselves, but to better society as a whole. Works CitedArmstrong, Nancy, and Leonard Tennenh ouse. The Imaginary Puritan Literature, Intellectual Labor, and the Origins of Personal Life. Berkeley U of calcium Press, 1992. Henretta, James A. and David Brody. America A Concise History, Volume I To 1877. quaternate ed., Boston Bedford/ St. Martins, 2010.Mintz, S. (2007). Digital History. Retrieved April 20, 2011 from http//www.digitalhistory.uh.eduSusan Hardman Moore (1992). Review of Charles Lloyd Cohen Gods Caress. The psychology of Puritan religious experience The journal of Ecclesiastical History, 43, pp 515-515

Impact of Law Changes on Tourism Industry Essay -- Business Policy

This essay will discuss how recent changes in the law may impact the tourism industry, as it is extremely vulnerable when it comes to these em abrogateations in regulations and that is wherefore politics contributes to these impacts. Governments introduce different laws and regulations which every individual and business essential follow or adapt to, organisations often have to change the trend they operate due new policies, and these alterations cost a lot of keen and if they fail to follow the rules, organisations can face court for example if customers quality that the facilities doesnt meet their needs e.g. wheelchair user in a stigmatize with not lift to access the upstairs section. There argon jam of acts that that are opposed such as the equality act 2010, the revenue act 2010, and the environmental protection act 2006 that I will in the main focus on.The purpose of laws in the society is to protect the public and organisations as it allows to distinction in what is right and wrong, it also gives the authority to take actions against wrongness. consort to Soanes and Stevenson (2006) law is a rule or system recognised by a country or community as regulating the actions of its particle and enforced by the imposing of penalties. Howlettt (2010) stated that there are 2 types of laws Criminal law which is concerned with offences against society at large crimes persecuted by the states, and these cases, if of non respectable nature, are heard in magistrate court but if of serious nature, they will be heard in the crown courts and tried by jury. Civil law in the other hired man is concerned with disputes surrounded by private parties, for example consumers and supplies, injured party, issue damage or injunction, and these cases are heard in county court.Laws ha... ...st-body-is-slated-for-role-in-sacking-1.1024158 accessed 11 November 2010Wallop, H. (2010) Tax rise will end benefits brought by air travel, warns BA. The telegraph Online. Availab le at http//www.telegraph.co.uk/travel/travelnews/air- passenger-duty/8095665/Tax-rise-will-end-benefits-brought-by-air-travel-warns-BA.html Accessed 09 November 2010 Poulter, S. (2010) passenger hits with 55% rise in air passenger duty stamp Monday. Mail online Online. Available at http//www.dailymail.co.uk/travel/article-1324858/Air-Passenger-Duty-rise-Tax-increase-slammed-travel-companies.html Accessed 09 November 2010 Soanes, C and Stevenson, A. (2006) concise oxford English dictionary 11th edition, revised. United estates Oxford UniversityClements, P and Spinks, T. (2009) The equal Opportunity hand book, 4th edition, rev, London Kogan Page 2009

Accountant Essay

How snug be you organiseing wide hours to get through success? Working extra time or extra hours forget not be a fuss for me, because I used to fashion 10 hours per day and to wee overtime to lay off rough particular(a) tasks in my preceding(prenominal) individualized credit line. Sometimes, I spent my personal time on result roughly potential risks and problems that I found. 2. How glowing are you to elapse on learn to stay forth of the curve? I am more than glad to learn in the work fall out because I pry the make for of continuous improvement.As long as I was instructed to wish something unfermented-sprung(prenominal) in my earlier ob, I felt steamy and satisfied. The double-loop encyclopedism lick benefits me from applying new knowl jar against and techniques to work-related areas and self-reflecting the aspects that I disregard improve. In addition, I am actively pursuing academic success extracurricular work place. For example, I am the yo ungest CMA candidate in my CMA session. 3. sack up you wait on with the income irritability that you give be facing during the startle a few(prenominal) months? I defend no financial problem preventing me from accepting a seam if the income is low at the beginning.I worked as a no lucre intern during the first-year two months in my previous duty. Since I am still young, I never put salary as the acquit priority in searching for a Job. The thing I fretting more is whether this Job can attend me to develop my free-enterprise(a) bite or not. 4. How convenient are you working long hours to achieve success? Working overtime or extra hours will not be a problem for me, because I used to work 10 hours per day and to work overtime to finish some special tasks in my previous Job. Sometimes, I spent my personal time on resolving some potential risks and problems that I found. . How eager are you to keep on breeding to stay ahead of the curve? I am more than intelligent to learn in the work place because I value the process of continuous improvement. As long as I was instructed to handle something new in my previous Job, I felt excited and satisfied. The double- loop acquire process benefits me from applying new knowledge and techniques to work-related areas and self-reflecting the aspects that I can improve. In addition, I am actively pursuing academic success outside work place.For example, I am the youngest CMA candidate in my CMA session. 6. offer you do it with the income volatility that you will be facing during the first few months? I have no financial roblem preventing me from accepting a Job if the income is low at the beginning. I worked as a no pay intern during the first two months in my previous Job. Since I am still young, I never put salary as the top priority in searching for a Job. The thing I concern more is whether this Job can help me to develop my competitive edge or not. 7.How comfortable are you working long hours to achieve success? Working overtime 8. How eager are you to keep on learning to stay ahead of the curve? I am more than session. 9. Can you deal with the income volatility that you will be facing during the me to develop my competitive edge or not. 0. How comfortable are you working long some potential risks and problems that I found. 11. How eager are you to keep on youngest CMA candidate in my CMA session. 12. Can you deal with the income 13. How comfortable are you working long hours to achieve success?Working overtime or extra hours will not be a problem for me, because I used to work 10 hours per day and to work overtime to finish some special tasks in my previous Job. Sometimes, I spent my personal time on resolving some potential risks and problems that I found. 14. How eager are you to keep on learning to stay ahead of the curve? I am more than happy to learn in the work place because I value the process of continuous improvement. As long as I was instructed to handle something new i n my previous Job, I felt excited and satisfied.The double-loop learning process benefits me from applying new knowledge and techniques to work-related areas and self- reflecting the aspects that I can improve. In addition, I am actively pursuing academic success outside work place. For example, I am the youngest CMA candidate in my CMA session. 15. Can you deal with the income volatility that you will be facing during the first few months? I have no financial problem preventing me from accepting a Job if the income is low at the beginning. I worked as a no pay intern during the first two months in my previous Job.Since I am still young, I never put salary as the top priority in searching for a Job. The thing I concern more is whether this Job can help me to develop my competitive edge or not. 16. How comfortable are you working long hours to achieve success? Working overtime or extra hours will not be a problem for me, because I used to work 10 hours per day and to work overtime on resolving some potential risks and problems that I found. 7. How eager are you to keep on learning to stay ahead of the curve?I am more than happy to learn in the work place because I value the process of continuous improvement. As long as I was instructed to handle something new in my previous Job, I felt excited and satisfied. The double-loop learning process benefits me from applying new knowledge and techniques to work-related areas and self-reflecting the aspects that I can improve. In addition, I am actively pursuing academic success outside work place. For example, I am the youngest CMA candidate in my CMA session. 18. Can you deal with the ncome volatility that you will be facing during the first few months?I have no financial problem preventing me from accepting a Job if the income is low at the beginning. I worked as a no pay intern during the first two months in my previous job. Since I am still young, I never put salary as the top priority in searching for a Job. The th ing I concern more is whether this Job can help me to develop my competitive edge or not. 19. How comfortable are you working long hours to achieve success? Working overtime or extra hours will not be a problem for me, because I used to work 0 hours per day and to work overtime to finish some special tasks in my previous job.Sometimes, I spent my personal time on resolving some potential risks and problems that I found. 20. How eager are you to keep on learning to stay ahead of the curve? I am more than happy to learn in the work place because I value the process of continuous improvement. As long as I was instructed to handle something new in my previous Job, I felt excited and satisfied. The double-loop learning process benefits me from applying new knowledge and techniques to work-related areas and elf-reflecting the aspects that I can improve.In addition, I am actively pursuing academic success outside work place. For example, I am the youngest CMA candidate in my CMA session. 2 1 . Can you deal with the income volatility that you will be facing this Job can help me to develop my competitive edge or not. 22. How comfortable are to finish some special tasks in my previous Job. Sometimes, I spent my personal time on resolving some potential risks and problems that I found. 23. How eager are you am the youngest CMA candidate in my CMA session. 24. Can you deal with the edge or not.

Government Capital Punishment Essay

Theories of penalisation have significant role to laugher in the ongoing debate on detonator penalty, especially for attain. both(prenominal) retributivists appeal to the lex talionis, the law of retaliation, to determine the appropriate amount of penalty . This dominion specifies that the punishment should inflict on offenders what they have done to their victims an eye for an eye, a tooth for a tooth, and a keep for a life. Capital punishment is therefore the only appropriate punishment for murder. But the lex talionis is deeply flawed. It focuses on the harm done by offenders without regard to their mental states.A life may be taken intentionally or accidentally a person may be killed for personal gain or in order to relieve him or her of the agony of a terminal illness. veritable(a) if we restrict the scope of the lex talionis to cases in which the wrongdoing is fully intentional, there is calm down the problem slightly the level at which the punishment should imitate the detestation (Singer, 1993). Should murderers be killed in exactly the manner that they killed their victims? In any case, it is unworkable to apply the lex talionis to many offenders the penniless thief, the tooth assailant who knocks out his victims teeth, the tax evader, etc.If conscious of the defects of the lex talionis, retributivists merely insist that the punishment should be appropriate to the moral gravity of the offence, then this requirement can be live up to so long as the murderer is punished to a greater extent severely than less serious offenders. There is no need for uppercase punishment. From the utilitarian point of view, roof punishment can only be justified if it produces better consequences than less severe forms of punishment. This condition would be satisfied if capital punishment is a superior deterrent to alternative forms of punishment such as long periods of imprisonment.So a utilitarian leave try to settle the issue on the basis of the evidence about the effects of capital punishment. The statistical evidence is based on comparisons of murder rate in countries where there is capital punishment with those in socially similar countries where there is no capital punishment, and no comparisons of the murder rates in one and the same country at different propagation when it had capital punishment and when it later get rid ofed it, or when it restored capital punishment subsequently a period of abolition.The evidence does not show that capital punishment is a superior deterrent. However, the utilitarian approach is rejected by those who gaze to place greater value on the lives of the not guilty victims of murder than on the lives of convicted murderers. It is suggested that the evidence does not conclusively rule out the superior deterrence of capital punishment, and in the presence of such un acceptedty, it is better to have capital punishment.If there is capital punishment, and it turns out that capital punishment is not a superior deterrent, then convicted murderers have been unnecessarily executed. If, on the other hand, we abolish capital punishment, and it turns out that it is a superior deterrent, then there would be additional victims of murder.But this argument is unacceptable because where there is capital punishment, it is certain that convicted murderers will die, but in the absence of capital punishment and in the light of available evidence there is only a remote control probability that there would be more innocent victims of murder (Conway, 1974). In any case, there is a risk of a few innocent people being wrongly convicted of murder and executed if there is capital punishment. This has to put on the scales against capital punishment.

Water Supply Project Brief

Contents Table of Contents. 1 Task 2 enume sum up of Abbreviations.. 3 TASK2 1. 1Project Title4 1. 2Introduction4 1. 3Project stead Map5 1. Terms of Reference6 1. 4. 1Project Details6 1. 4. 2 inform Structure6 1. 4. 3Personnel Duties7 1. 5Schematic Layout7 2. 1DELIVERABLES8 2. 1. 1Dam8 2. 1. 2 peeing Treatment regulates9 2. 1. 3Elevated Steel Tank10 2. 1. 4 pissing Transmission10 2. 1. 5Metering11 3. 1Project attention Process12 3. 1. 1Initiating12 3. 1. 2Planning12 3. 1. 3Executing13 3. 1. 4Controlling14 3. 1. 5Closing14 c argonen of references 16 List of AnnexureAnnexure 1 Project Budget Annexure 2 Work Breakdown Structure Annexure 3 Project Network Diagram Annexure 4 Project Gantt Chart Annexure 5 Project Summary TASK You are a consultant of a firm that has won a seal to develop a turnkey piddle forcing out in Kajiado County. employ necessary tools including Ms Project prepare a WBS, and do a schedule of be after tasks, their options and assume a tracking of the in tent progress. hence do a status root in a PDF file. The terminate work should not exceed 20. LIST OF ABBREVIATIONS WBS- Work Breakdown StructureWARMA Water Resource Management way NEMA National Environmental Management Authority ToR Terms of Reference GI Galvanized Iron RCC Reinforced Cement cover 1. 1Project Title Proposed Water Supply Project in Kajiado Town 1. 2Introduction A project is one- meter, multitask job with a definite starting point, definite resultant point, clearly defined scope of work, a figure and usu solelyy a temporary team. A project is therefore a series of activities which are meant to bring home the bacon particular closes or objectives using specified resources and in a specified period of time.A turnkey project refers to a project that is construct and handed over groom for use. The proposed piddle project in Kajiado County organism a turnkey project will entail the consultant to snap up construction from the initial full stops of the pr oject and hand it over when piddle has been connected to individual residents and/or users. Kajiado town lies at the intersection of the capital of Kenya Kajiado road along the A 104 highway, and the railway line that serves Magadi Soda association in Magadi. The town is situated 80 KM South of Nairobi. It is the system centre for Kajiado County.Kajiado Town has a mean annual rainfall ranging from 450mm to 900mm. The major(ip) rivers found in Kajiado are among others Athi River, Ewaso Ngiro South River, Olekejuado River, Nool-Turesh River, Esokota River. The project have-to doe withs construction of a dam along Olekejuado River, a weewee treatment plant, an elevated ice chest, a generator room, irrigate transmission and dispersion lines and piddle meter chambers. The supporter int discontinues to use tools of Project Management In arrangement Systems including MS Project 2010 software in achieving the implementation framework.The paper will be guided by Project Managem ent processes of Initiating, Planning, Executing, Controlling and Closing to compass set deliverables of the proposed project. 1. 3Project Location Map Figure1 Map of Kajiado County 1. 4Terms of Reference This contractual document outlines the terms and conditions for the undertake project team. The process of initiating a project starts when the Client contacts the Contractor either with an already drawn Terms of Reference or with intent for a union process in drawing the Terms of Reference. 1. 4. 1Project DetailsEmployerMinistry of Water and Irrigation Funding agencyGovernment of Kenya (Development Vote) EngineerGeneral coach (Design &038 Construction) ConsultantsKiama Consortium Limited Contract No. MOWI/001/2011-2012 Contract Area20 Square Kilometres Water Meters2000 Residents Contract Value (USD)USD 2,000,000 Capacity Required2,000,000 Litres/day ContractorPentacon Limited Award Date2 celestial latitude 2012 Commencement Date1 January 2013 Completion Date4 October 2015 Pr oject Duration2 Years 1. 4. 2Reporting Structure 1. 4. 3Personnel Duties The following will be the Key personnel for the project Project Manager overall supervision of the project ?Financial Controller Financial supervision ? humanity Resource Officer staff recruitment ?Procurement Officer scholarship of resources (material) Monthly and Quarterly reports will be submitted to the client. The monthly report shall be submitted by the 5th of every month while quarterly report shall be submitted after every three months of the project duration. 1. 5Schematic Layout 2. 1DELIVERABLES Deliverables are the end results or outputs of undertaking a project. They may include reports, manuals, actual workings systems or actual products.In this project deliverables include a dam, a pissing treatment plant, an elevated water tank, water distribution mains and water meters. 2. 1. 1 Dam ?Diversion of River The dam is intentioned to hold 10,000, 000 liters of water at its full capacity. The dimensions shall be 100m x 100m x 2m. During the construction of the dam, River Olkejuado will be temporarily blocked up stream and water diverted until the dam construction is completed. ?Intake Chamber The intake will be constructed and an gross profit margin velocity of 0. 45m/s will be leave aloned that will direct water to the pumping station. ?Spill WayThe spill way will allow water to spill over in case the dam fills up excessively. ?Embankment An embankment will also be constructed to safeguard the walls of the dam from failing. Reinforced Cement Concrete retaining wall works will be done as an embankment to safeguard and strengthence the dam walls. ?Pump House A pump house shall be constructed to provide for a stand by generator to cater for 50% of the upper limit pumping capacity and incase of power failure. It should also be noted that a generator can work for a maximum of 16 hours a day, therefore that should be considered in case of a total power failure in case of electrical faults. . 1. 2Water Treatment Works The arrogance is, the water be harvested contains 50 50, 000 coli form count, a figure that requires water to undergo full treatment before consumption. ?Coagulation Tank This is the early tank, where water is chemically coagulated by adding alum and soda ash. The tank contains flocculation chambers. The water passes through baffles so that it can mix up easily with the chemicals. ?Sedimentation Tank The sedimentation process will be back up by addition of alum in the coagulation tank. The baffles help the formation and in turn settle finer particles much(prenominal) as choke off and colloids.The sedimentation tanks designed as upward hydraulic velocity and downward settling velocity enable sludge concentration. The design flow rate is proposed at 222m3/hr and the surface loading rate velocity is proposed at 1. 5m3/m2/hr. The allowed detention time is 3 4 hours. ?Rapid Sand stress The proposed rapid gravitation filters are b ack washed with air and water. The design flow rate is recommended at 222m3/hr and a filtration rate of 5m3/m2/hr. The shop time is about 10 20 minutes. ?Disinfection Tank pH correction will be done by adding soda ash.It could be imputable to dissolved carbon dioxide (CO2) or excess meat of alum was added into the water during the coagulation process. Disinfection of the water will be necessary to lower wellness risk and infection with water borne dis quietens. In that case, Calcium Hypochlorite will be added to the water as per the calculated quantity depending on the volume. ? Reinforced cover storage tank After water has been successfully disinfected, it will be pumped to the storage tank and allowed for chemical reaction for about 30 minutes before it is pumped to the elevated water tank ready for distribution. . 1. 3Elevated Steel Tank The elevated water tank is dependent on the highest level in the region. This also allows for water flow by gravity therefore, there will s avings of electricity and fuel cost that top executive have been apply for pumping water. 2. 1. 4 Water Transmission ?Transmission main Galvanized iron (GI) pipes of 250mm diameter are preferred since they withstand high water pressures. The pipe velocity is set at 2. 0 m/s and set at a depth n. e. 1000mm deep below the soil level. Reflux valves are allowed at a distance of 3-4 km put to ease repair and precaution. ?Distribution MainThe minimum diameter of pipes recommended is 100mm diameter. uPVC pipes shall be used and the maximum 60m and minimum pressure of 10m. The pipe velocity is set at 06 1. 0 m/s, and service valves are set every 1km for ease of inspection, repair and maintenance. 2. 1. 5Metering Meters are installed in all 2000 houses or users to monitor water consumption. This will also helps in billing as per the actual amount of water consumed. The Meters will assist in curbing vandalism of water. 3. 1Project Management Process Project management is the process of initiating, planning, executing, arrogant and closing a project.The project goal is the desired outcome it should be short and childlike yet clearly communicate scope, time frame and budget. To achieve the goal of supplying water to 2000 users in Kajiado county, the management process outlined supra will be adhered to. 3. 1. 1 Initiating It rents recognizing that a project should begin and committing to do it. Feasibility concerning technical, financial, operational, legal, environmental and social aspects of the project shall be carried out. Using MS Project 2010 the project start and finish ensure were identify. Legal issues such as NEMA and WARMA licensing were identified and dealt with accordingly.Approval of the project by the County council was also sought. The start date was 1st January 2013 while the expected completion date is 4th October 2013. The budget for the project was also drawn it is envisaged that the project will cost Ksh. 179,445,100 (USD 2,000,000) This is shown in annexure 1 of this paper. 3. 1. 2Planning Initially, the project scope was defined and the appropriate methods for completing the project were determined. Following this step, the durations for the various tasks necessary to complete the work were listed and grouped into a work breakdown structure this is attached in annexure 2.The logical dependencies in the midst of tasks were defined using an activity network diagram as shown in annexture 3 that enables identification of the critical path. Float or slack time in the schedule can be calculated. Then the necessary resources were estimated and cost for each activity allocated to each resource, giving the total project cost. At this stage, the project schedule was optimized to achieve the appropriate balance between resource usage and project duration to comply with the project objectives. Once complete and agreed, the project schedule became the service line schedule.Progress will be measured against the baseline schedule throughout the life of the project. Planning Involves devising a feasible scheme of a schedule of tasks and resources. In the planning process, the project activities were identified and entered in the Gantt Chart. Timelines for the activities were drawn and subdivisions identified, milestones were also noted. Restrictions and relationships of predecessor and successor activities were also considered. Resources were then assigned to the tasks identified. The Gantt chart is shown in annexure 4 of this paper. ?AssumptionsWhen planning for this project, a fewer assumptions were made. They include the following i. Land for the development of the dam and excavation of trenches for pipes distribution is already procured by the Olkejuado County Council. ii. River Olkejuado is a temporary river and the dam is being excavated during the juiceless season. The river does not, therefor, need diversion but, only blocking. iii. The electrical work cater for all the structures iv. Each tank wi ll have a booster pump. v. any hired machines and equipment comes fully with operators vi. The shilling is exchanging at the dollar rate of 90 Ksh. ii. The dollar sign in the budget represents Kenya Shillings. 3. 1. 3Executing This phase will involve carrying out the schedule plan while coordinating the people and resources to achieve the project goal. It will also involve reporting on a monthly and quarterly basis as stated in the ToR. Reporting will involve progress, resource usage, achieved milestones and challenges encountered if any. Milestones and Critical Path are shown in annexure 5. Creating project records and presentations will also be done at this stage. chemical bond to the drawn out plan will be key to achieve the desired results. henever necessary, changes will be requested and improvements recommended. 3. 1. 4Controlling It ensures that the project remains within the objectives, tracking performance and taking necessary corrective measures. During this phase, achi eved progress is compared to the scheduled progress and any slippage is noted. Tracking for activities especially at the preliminary stage of the project has been assumed. The tracking Gantt Chart has been observed to give progress in percentage. Corrective measure suggested in case of slippage is crashing of the project activities.Crashing will involve identifying activities with float and slack times and interrogating the resource allocation and dependencies therein. (24 hour old age in shifts) Though it may imply increase in project cost, it may be the only way to ensure timely finis of the project. Ensuring timely procurement of materials and hiring of equipment whenever required is also key in controlling the project. Effects of weather changes will also need to be interpreted into consideration. 3. 1. 5Closing It involves formalizing the acceptance of the project and bringing it to an orderly end.Users are trained and handover of the project is conducted together with necessa ry documentation which aid in support and maintenance in future. The project audit and commissioning has been scheduled for the last month of the project duration as indicated on the Gantt chart shown in annexure 4. This being a turnkey project, cut-off handover is proposed. List of References www. imestopedia. com/terms/r/risk. asp en. wikipedia. org/wiki/ pretend breakdown freecover. blogpost. com www. mastery-project-management. com/project closure,html Uher, T. (2003) Programming and Scheduling Techniques, UNSW Press, Sydney

Parole

war cry Kristofer Allison November 14, 2011 CRJ 210 Probation and Parole Parole by definition is the conditional former(a) move around from prison house house or jail, under supervision, after a plowshare of the sentence has been served. This practice assumes that the offender successfully demonstrated conformity to the rules and regulations of the prison environment and shows an ability to conform to societys norms and laws. The word, unloosen, derives from the French parol meaning word of celebrate and references prisoners of war promising not to take up arms in current conflict if reversed.How that c erstpt came to apply to the early release of convicted, ofttimes violent, offenders is less clear. The first documented official use of early release from prison in the United States is credited to Samuel G. Howe in Boston (1847), to a greater extentover prior to that, other programs using pardons achieved basically the same outcome. In fact, as late as 1938, parole was simpl y a conditional absolve in m any(prenominal) states. In China, prisoners are a great deal granted medical examination parole or compassionate release, which releases them on the grounds that they mustinessiness take up medical treatment which advisenot be provided for in prison.Occasionally, medical parole is apply as a no-publicity way of releasing an accidentally imprisoned convict. The Chinese legal code has no explicit provision for exile, but often a dissident is released on the grounds that they need to be handle for a medical condition in another country, and with the understanding that they entrust be reincarcerated if they return to China. Parole in Italy is called Liberta condizionata. It is covered by expression 176 of the Italian Penal Code.A prisoner is bailable if he has served at least 30 months (or 26 years for lifespan sentences), and the time remaining on his sentence is less than half the innate (normally), a quarter of the total (if previously con victed or never convicted) or five years (for sentences great than 7. 5 years). In 2006, 21 inmates were granted liberta condizionata. So parole is real hard to get in that country. In New Zealand, inmates constituent a short term sentence (of up to 2 years) are mechanically released after religious service half their sentence, and there is no parole hearing.Inmates component sentences of more than 2 years are normally seen before the parole board after serving one-third of the sentence, although the judge at sentencing nominate ready an order for a minimum non-parole period of up to two-thirds of the sentence. Inmates serving life sentences usually serve a minimum of 10 years, or longer depending on the minimum non-parole period, before being eligible for parole. It should be noted, however, that parole is not an automatic right, and for the year ending 30 June 2010 more than 70% of parole hearings were declined. Many sentences include a a proper(postnominal) non-parole per iod.In the United States, courts may specify in a sentence how much time must be served before a prisoner is eligible for parole. This is often done by specifying an dubious sentence of, say, 15 to 25 years. The latter type is k instantern as an indeterminate life sentence in contrast, a sentence of life without the possibility of parole is known as a determinate life sentence. In nearly states, the decision of whether an inmate is paroled is vested in a paroling authority such as a parole board. Mere good conduct while incarcerated in and of itself does not necessarily guarantee that an inmate pull up stakes be paroled.Other factors may enter into the decision to grant or deny parole, most normally the establishment of a permanent residence and immediate, gainful employment or some other clearly visible means of self-support upon release (such as Social Security if the prisoner is old enough to qualify). Many states now permit sentences of life imprisonment without the possibil ity of parole (such as for murder), and any prisoner not sentenced to either this or the death penalty will eventually have the right to petition for release The Parole gore for England and Wales was established in 1968 under the iniquitous Justice Act of 1967.It became an unaffiliated executive non-departmental public body (NDPB) on 1 July 1996 under the Criminal Justice and Public Order Act 1994. The Parole Boards role is to make risk assessments about prisoners to decide who may safely be released into the friendship on parole The Parole Board must act in accordance with the type of sentence levied. Just like the United States, England uses indeterminate sentences. These include life sentence prisoners (mandatory life, discretionary life and automatic life sentence prisoners), Her Majestys Pleasure detainees, and prisoners given indeterminate sentences for public protection (IPP).The Parole Board too considers whether prisoners are safe to release into the community once the y have completed their tariff (the minimum time they must discharge in prison) and also whether the Secretary of State is confirm in recalling them to prison for a breach of their life license conditions (the rules which they must observe upon release). They also use determinate sentences. These include discretionary conditional release (DCR) prisoners serving more than 4 years whose offence was committed before 4 April 2005 and prisoners given extended sentences for public protection (EPP) for offences committed on or after 4 April 2005.The Parole Board considers whether these prisoners are safe to release into the community once they have completed the minimum time they must spend in prison and also whether the Secretary of State is justified in recalling them to prison for a breach of their parole license conditions (the rules which they must observe upon release). This was just a sample of parole remainss throughout the world. We can see that each country has some sort of par ole system in their justice system. It searchs that the countries of England and the United States parole systems mirror themselves.They also seem to have the fairest justice systems. Work Cited Probation, Parole, and Community Corrections, 3rd Edition. 3rd ed. , dean J. Champion, Dean J. , Prentice Hall, 1999. http//www. paroleboard. govt. nz/about-us/cases-and-eligibility. html China Grants Convicted Scholars Medical Parole. The annals of Higher Education. http//chronicle. com/weekly/v47/i47/47a04501. htm. Retrieved 2008-01-13 Bilton, A. C. and Bottomley, A K. 1971. About parole. Prison answer Journal, No. 1 (N. S. ), 6-7

Overseas Chinese and Moon Shadow Essay

Immigrants experiences call on truly difficult when they move to a radical country. They atomic number 18 frequently discriminated against due to their race and/ or nationality. This problem occurs some times end-to-end Dragonwings, a book by Laurence Yep. In his book, the Chinese characters who immigrate to the States face many challenges in their new fails. They are nonion of as inferior, have to outlast many sonorousships, and become l cardinally due to the particular that they must leave the majority of their families in China. In this book, the immigrants face dual difficulties and challenges in the new world they know as the polish of the aureate Mountain.One challenge that the immigrants face in this story is that they are thought of as inferior by Americans, or demons as they have begun to mention to them. Demons are not accepting of differences therefore the Chinese are imageed shoot upon, and dont get equal rights and privileges. For example, mope emp ennages grandmother tells him that his fuck off traveled to America to work as a laundryman before he was born. She tells woolgather specter that grand, in the Land of the specious Mountain, is everywhere and men can scoop it up by the bucket-full.When he asks why his father does not get enough gold to return home, his grandmother replies, Demons roam the mountain up and down and they produce up any of our men who try to get the gold (6). She mentions that they are supplyed to take only a small pinch of it, and only if they do all of the hard, grueling labor that they are told to do. This quote proves that Chinese (Tang) pack are belittled. They are forced to work manage slaves. Good-paying jobs are very difficult for them to find. They must as well be careful when choosing them. moon about Shadow states, There was plenty of specie to be made among the demons, but it was also dangerous (1).This states that though there are many job opportunities in America, the lives of Chinese muckle are sometimes put at risk. This would roughly certainly not have been the case if an American were to have the similar job. This demonstrates the prejudice which exists against Tang men. The book also mentions that Americans a great deal assume Chinese people are greedy, that they are after Americans money. This fact is proven when Windrider shekels to help a man, Mr. Alger, fix his car. After he mends the automobile, Mr. Alger automatically pulls money out of his pocket to tip him.Windrider says modestly, No tip, just happy to look at horseless(57). Mr. Alger assumes that Windrider only stops to help because he wants money. corn liquor Shadow goes on to say that the demon stopped and studied father as you might look at a dog that had suddenly express he was going to the opera (57). This demonstrates Moon Shadows knowledge that snow-covered people think Chinese cannot possibly get high-paying jobs due to their lack of skills or importance. These immigrants ha ve to bear much racism and scrutinyand the insecurity that goes with itin their new homeland.Immigrants also have to face and live in many harsh, new conditions. For example, they have to put up with stereotypes and stories about them. This is proven when Moon Shadow is traveling by ship to America to meet his father for the very first time. Moon Shadow is told a story about how the Tang men had slept upside-down on top of their heads with knives between their teeth, and so on (11). This shows that the white people are very barbarous to the Chinese, even if the story stretches the truth. To work up a story of this violent nature means that it is not far beyond them to do it.Americans also force the Chinese immigrants to live with the constant threat of violence. On one occasion, they go out with the aim of hurting the Chinese, simply for the pleasure of it. Black Dog, a relative of Moon Shadow, states, The demons are all getting drunk and getting ready for trouncing up Tang men . The word is to stay inner (29). This further shows that the Chinese must face violence, a new element, in their everyday lives. Last, they must endure harsh conditions when arriving in America for the first time, going through immigration.This is a very long, torturous process. Moon Shadow explains, The demons kept us locked inside a long, two-story warehouse for a week before it was our turn to be questioned (11). This illustrates the fact that life is hardly bear sufficient for them in the Land of the Golden Mountain. Things are very difficult, especially because of the way they are treated. The last and one of the most unbearable elements of all for immigrants is loneliness. Families are separated. Moon Shadows father leaves his wife, mother, and unborn son in China when he goes to live in America.He leaves with the expectation that he will be able to see his family in approximately five years, as most can. Moon Shadow notes, however, though there were longer separations, as w ith Mother and Father (3). This proves that families can be forced to endure long periods of time without beholding each other. As one might imagine, they become very lonely. Also, they often miss the appearance of the elaborate architecture and color used on buildings in China. San Francisco looks very drab to them in comparison. Moon Shadow thinks, pass up the street, I nearly lost heart.To me, the woodsen houses seemed like shells of wood which terrible monsters had spun about themselves (18). Since he is not used to the box like American homes, they seem quite foreign and even intimidating to him. He misses the familiarity of his home. Moon Shadow also shows signs of loneliness when he says, I did not go to school during the daytime like demon children because the demons would not allow me to go to any of their schools just a few blocks forth (50). He does not have any Chinese friends to play with, and he does no get much contact with white children.It is plain to see that Moon Shadow and his relatives face much loneliness in their everyday lives in America. The characters in this book have very difficult lives in their new home, America. They are burdened with many challenges and hardships. Because of this, their lives in America cannot be slaphappy and happy. Instead they are filled with sorrow, pain, and scrutiny. They must endure the racism and cruel stereotypes that are targeted at them by Americans. They must work extra hard to find and keep good jobs. It becomes evident that their lives so far away from home are barely endurable.

The True Purpose of Education

The purpose of a universal universal gentility system can be debated, but originally, in the 1830s, Horace Mann reformed the American school system in order to stage all children the infrastructure on which to learn and become perspicacious citizens. As public teaching has evolved throughout the geezerhood, the purpose of assumement has been slowly vanishing, beingness replaced by prostrate routines and pointless activities done by disciples that no longer are concerned in larn, but getting good grades sooner.The aline purpose of learning isnt being addressed properly in schools, and it isnt being recognized by those who attend school in order to learn. In An program line, by Ralph Waldo Emerson, Emerson paints a picture of what an education is supposed to pull up stakes for a pupil. He writes, The function of opening and feeding the human intellect is not to be filled by any mechanical or military methodyou must not neglect the form, but true(p) the essentials (pa ra. 9).In a sense, Emerson argues that the purpose of education is, not to mold a judicious citizen that has basic understanding of certain topics, but to guide and ultimately unleash the genius and determination in every man by heavy(a) them the essentials to learning. On the other hand, Mann in Report of the Massachusetts Board of Education uses the analogy of Feudalism to show that when education is not made a mandatory opportunity for all, society gets broken into classes, like Feudalism, in which the easy and powerful abuse the poor and uneducated.Here we see a specific shake up of opinions on what education is supposed to provide for an individual person, and a society. Although Emersons essay may seem less subjective than Manns, I trust Emerson holds a more(prenominal) broad understanding of what an education can give to a person. There are many cases in which twelve years of public school do not provide a student with the passion or direction in order to live a life fu ll of learning and accomplishment, when twelve years of public education doesnt provide an exceptional education.The solution might not be to end public schooling, but to engender public acceptance of three-year-old students becoming avid learners instead of teachers pets, self advocates instead of disabled pupils. Leon Botstein in Let Teenagers Try Adulthood proposes that the answer to such an out of date and flawed institution is a world where 16 year olds are prepared to be taken seriously and to develop the motivations and interests that will serve them well in adult life (para. 11). existence a 16 year old myself, I often curio hat that would be like if other adults didnt know I attend high school or if that was completely irrelevant to begin with. As this is a nice thought, it is also a minor concomitant in the larger scheme of things. I find the solution of empowering students to be curious and to seek out what they want from schools to be far more superior. The public school system can indeed live up to the standard Emerson set for a great education it just has to be changed. An excellent teacher has the power to provide students with the essentials to learning, good listening skills for example.However, public schools dont often produce excellent students or teachers, and this is merely what starts the banal cycle again. To what extent do our schools serve the goals of a true education? Our schools, being the student body, the leaders, and everything in between are besides caught up in the everyday cycle of busy work and assessments, to acquire that these methods need to be replaced with new ones that open the minds of students to what they can fulfill with the flop passion for their education and the true purpose of being educated.

Vineyard

Calaveras Vineyards Calaveras Vineyard was originally established in 1883 to do booze for the Catholic Church. They occupied 220 acres in California pop of which 175 acres was occupied by the vineyard. They had instantaneously expanded into employment of t sufficient wines for retailers and restaurants. It had changed three ownerships in the last nine years. The most juvenile owner was Stout Plc. which was looking to sell Calaveras and the management of Calaveras was the interested troupe in this transaction.The main strategy from 1987 was broadening the societys slope on premium place category and this is evident from the fact that they were now concentrating on wines in the premium and super-premium category. The five C? s analyses is an important approach to evaluate the acknowledgementworthiness of a potential client. The five metrics that result be analyzed be character, capacity, capital, conditions, and collateral. Character will translate the grapheme of the ma nagement team and major owners and how these major players behave related to task.Related to Lynna Martinez, she has a high level of education and is graduated from important universities in France and USA. She has do researchers in the ara and has lie withs as a professional in the industry, universe Vice president of Calaveras Vineyard since 1987. The other partner Peter clean about, has a degree in Business Administ proportionalityn and has experience in the field in different areas of this industry, such as operating and purchasing. It is possible to arrange that this metric is maybe one the most important for the future of this business since both of them have strong experience in the field.Related to the capacity analysis, it is unclear, found on historical data, the ability of the social club in handle a high debt level, since there no information astir(predicate) Calaveras Vineyards team zero(prenominal) 1 18-Feb-2013 debt from the balance sheet. However, the ac bon ton has a significant position as current assets what run expeditious liquidity for the business as easy as a strong waive cash lessen in both considered scenarios to re hold the loan, dismantle though the free cash flow in 1994 is negative. The apital metrics will measure whether the company has rich capital, in this imply as well matter the commitment of the owners with the business. In the management leveraged buyout, the naked owners will have $ 1 million invested and thus they would have invested 25% of the center demanded fund. It seems that the new owners are putting an great effort on this business since they are buying a company that they have experience in and they believe it can do better than what the previous owners were doing.The sparing conditions for the wine business seems to be in a accept commensurate moment, yet though the alcoholic market has been stagnated, the wine market has grown by 7. 4%, new researches about the benefits of wine has d riven the demand up and thus the market is being benefited. Based on the Pro Forma diachronic fiscal Statements, it seems that the management team is able to control the expenses and cost of goods interchange as the sales plus and decrease. It is possible to see it using the decrease trend of the COGS related to sales and the SG&038A related to sales that has been the comparable (14. 9%) for the last 4 years. The company has as collateral, the Accounts Receivables and fixed assets. In 1993 the company had $316,782 as receivables, $2,332,241 as inventories and $4,487,193 as gross fixed assets. In case of liquidation, the Receivables may be interchange at 85% of the introduce value, or $292,264 Inventory can be sold at 75% of its face value or $1,749,180. The fixed cost can be sold by 40% of the parole value that is $1,794,877. This liquidation would provide a total of $3,836,321 which is more than Calaveras Vineyards Team nary(prenominal) 1 8-Feb-2013 the total loan provide d in 1994 ($3,122,000). It provides a good standard for the potential creditor of this company. heavys SGL framework can also be used to respect the creditworthiness of Calaveras Vineyards. The rating system gives a score ranging from SGL-1 to SGL-4, where one represents companies with very good liquidity and four represents companies with weak liquidity. There are several characteristics that are evaluated in rating a company using this framework. The first point is the capacity for financing capital expenditures and net working capital internally.Calaveras has an expect negative free cash flow in 1994 based on Anne Clemens projection (Exhibit 3), so it will not be able to fund internally. However, the company equable has the flexibility of drawing money from its revolving credit line since the borrowing base has sufficient amount. Exhibit 3 also shows that the negative cash flow is due to a significant add-on to net working capital. The addition is big than average because the company is increase its sales to the same level of 1992. The company is projected to have electropositive free cash flows starting in 1995 and will be able to finance internally.The EBIT/(interest and principal) ratio is moderate in 1994 but projected to increase throughout the years (Exhibit 3) and has an average of two. The second characteristic that needs to be analyzed is the flexibility of the company in generating cash from selling its assets in times of distress. Anne Clemen expected that Calaveras grievances receivable would able to generate 80% of book value and inventory for 85% of book value, while land, plant and equipment would sole(prenominal) generate 40%. However, these assets are crucial to the operations of Calaveras and cannot be sold.Thus, the company has no flexibility in generating additional cash flow. Additionally, the assets mentioned before are used as collateral for both the term loan and the revolving credit. This relates to the final exam characteri stic that is the extent Calaveras Vineyards Team none 1 18-Feb-2013 in which the companys assets are encumbered. Calaveras is expected to secure its term loan through land, plant and equipment, and its revolvers borrowing base is equal to 85% of receivables and 75% of inventories. In other words, most of Calaveras assets are encumbered and this limits the financial flexibility.After analyzing Calaveras through the SGL framework, we believed that the company should receive a score of SGL-3. The increase in the size of the wine market is an opportunity for Calaveras to increase their market take especially in the premium and super-premium category where the company has secure brand position and stable relationships with the distributors. It is heavily dependant on two dealers who account for 50% of their sales. It might bode well for them to increase their dealership base. Financial ratio analysis To better understand Calaveras Vineyards financial ondition, we analyzed those finan cial ratios that Anne prepared. EBIT coverage ratio and current ratio in 1994 were already larger than 1 and was increasing from 1994 to 1998, indicating this company was profitable enough to pay shoot its interest expense and short-term obligation. Although current ratio was not so good compared with comparable companies, it was improving through years. The debt ratio was less than 1 and reduced quickly from 1994 to 1998, which was a good signal to investor and creditors that the risk of this company was decreasing.In addition, its decreasing assets/equity ratio indicated the quick increase of equity, which was the result of quick increase of net income. The return on sales and return on assets were much higher(prenominal) than the comparable companies and were increasing from 1994 to 1998, indicating this Calaveras Vineyards Team No. 1 18-Feb-2013 company had good profitability in the industry. Its increasing sales/assets ratio showed an improvement of its ability to generate sa les revenue from each one dollar bill of asset, indicating this company operated more and more efficiently.Through analysis, we found these ratios looked good and some of them were even better than the industry level. The ratio analysis showed Calaveras Vineyards was a healthy company and had an optimistic future. New Scenario A new scenario was drawn in rate to assess how the financial health of the company would be if the COGS and SG&038A were higher than the predicted by the company initially. In this situation, it is possible to see that the company is still able to operate under the conveants imposed by Goldengate pileus.Additional consideration and testimony We based our analysis on the ratio analysis done by Anne Clemen. The ratio analysis shows us lucky trend about financials about this company. The leverage ratio goes on reducing and the times interest clear as well as Profit margin show favourable forecasts. Based on our current analysis, we think Calaveras had good profitability and has enough ability to service the debt, and we agreed that Anne Clemens should participate in the loan. However, there are still some factors that can influence our evaluation of Calaveras.For example, if the expenditure of its wine decreased quickly because of intensive competition or there was a big drop in the production of grape due to some catastrophe, the sales revenue will decreased dramatically, which would result in a shrunken free cash flow and influence its ability to pay back the loan. In Calaveras Vineyards Team No. 1 18-Feb-2013 addition, if the cost of goods sold increased quickly because of a sudden increase of material price or the SG&038A soared up for expanding marketing and advertising to compete with competitors, the free cash flow would also decreased dramatically.So we suggested Anne to keep monitoring these unsteady factors carefully to see whether Calaveras would have a credit risk. Additionally, to decrease the negligence risk, Anne co uld also make covenants with Calaveras to regulate its financial ratios and make part of its assets as collaterals. Calaveras Vineyards Team No. 1 18-Feb-2013 Exhibit 2 Calaveras Vineyards Team No. 1 18-Feb-2013 Calaveras Vineyards Team No. 1 18-Feb-2013 Exhibit 7 New Forecasted Income Statement 1994 1% sales Revenue Cost of Goods Sold Estates Selected chardonnay grape California Generic Special Accts.vintner TOTAL Gross Profit Selling, widely distributed and Admin. Amortization of Organizational Costs EBIT enkindle Expense (avg. balance) Profit originally Taxes Tax Expense dough Income Dividends to Common Shareholders Retentions to lawfulness $ $ $ $ $ $ $ 448,180 272,027 432,977 179,934 224,371 655,916 90,130 $ $ $ $ $ $ $ 594,307 325,923 535, cd 121,580 233,639 683,012 93,853 $ $ $ $ $ $ $ 678,342 383,808 645,546 126,603 243,291 711,228 97,730 $ $ $ $ $ $ $ 706,365 399,663 733,324 131,833 253,341 740,608 101,767 $ $ $ $ $ $ $ $ 31,406 416,173 763,618 137,279 263,807 771 ,203 105,971 2,081,995 (966,861) (60) 1,115,074 (134,514) 980,559 362,807 617,752 617,752 $ 3,707,423 1995 1% $ 4,199,960 1996 1% $ 4,693,764 1997 1% $ 4,984,664 $ 1998 1% 5,371,451 $ (2,303,533) $ (2,587,715) $ (2,886,547) $ (3,066,901) $ (3,289,456) $ 1,403,889 $ 1,612,246 $ 1,807,216 $ 1,917,763 $ (667,336) $ (755,993) $ (844,877) $ (897,239) $ $ $ (60) $ 736,493 $ (60) $ 856,193 $ (60) $ 962,279 (60) $ $ $ 1,020,463 (109,625) $ (214,987) $ (198,101) $ (170,752) $ $ $ $ $ $ 626,869 231,941 394,927 394,927 $ $ $ $ $ 641,206 237,246 403,960 403,960 $ $ $ $ $ 764,178 282,746 481,432 481,432 $ $ $ $ $ 849,711 314,393 535,318 535,318 $ $ $ $ $ Calaveras Vineyards Team No. 1 18-Feb-2013 Exhibit 8 Forecasted Balance Sheets (At Closing) hard currency Accounts Receivable Inventory Organization Costs- up-to-date fundamental menses Assets Land Plant and Equipment Gross PP&038E Accum. depreciation elucidate PP&038E Organization Costs-Noncurrent Total Assets Payables &038 Accruals Debt - genuine Portion LTD Revolving Line of Credit Total Current Liabs.Debt, non-current Total Liabilities Common shopworn Retained Earnings Total comeliness Total Liabilities &038 Equity Memorandum acceptance base (85% AR, 75%Inv) six-shooter $ $ $ $ 2,255,917 2,304,288 $ $ 2,521,907 2,218,955 $ $ 2,699,146 1,949,595 $ $ 2,890,789 1,643,991 $ $ 3,025,581 1,187,490 $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ 1,124 60 1,184 1,124 582 1,706 1,706 240 3,130 130 400 530 1,600 2,130 1,000 1,000 3,130 $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ 1994 50 370,742 2,587,715 60 2,958,567 1,124 832 1,956 116 1,840 180 2,960,587 258,771 400 2,304,288 2,563,459 1,200 2,564,659 1,000 394,927 395,927 2,960,587 $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ 1995 50 419,996 2,886,547 60 3,306,654 1,124 1,082 2,206 283 1,923 120 3,308,697 288,655 400 2,218,955 2,508,010 800 2,508,810 1,000 798,887 799,887 3,308,697 $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ 1996 50 469,376 3,066,901 60 3,536,387 1,124 1 ,332 2,456 499 1,957 60 3,538,404 306,690 400 1,949,595 2,256,685 400 2,257,085 1,000 1,280,319 1,281,319 3,538,404 $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ 1997 50 498,466 3,289,456 60 3,788,033 1,124 1,582 2,706 766 1,940 3,789,973 328,946 400 1,643,991 1,973,337 1,973,337 1,000 1,815,637 1,816,637 3,789,973 $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ 1998 50 537,145 3,425,344 3,962,539 1,124 1,832 2,956 1,082 1,874 3,964,413 342,534 1,187,490 1,530,024 1,530,024 1,000 2,433,389 2,434,389 3,964,413 Calaveras Vineyards Team No. 1 18-Feb-2013Exhibit 9 Forecast Assumptions Key Assumptions Case Sales $/Case Gross Margins Estates Select-other Chardonnay California Generic Special Accts Winery Dividend Payout Now-1996 1997&038After 0 0 0. 47 0. 35 0. 37 0. 35 0. 26 0. 35 0. 46 Exhibit 11 Exhibit 11 gold Minimum (m) AR/Sales INV(T)/COGS(T+1) CL(T)/COGS(T+1) SGA/Sales Depreciation big(p) Expenditures Interest Rate Tax Rate Inflation Rate received Price Growth 50 0. 1 1 0. 1 0. 18 5-yr, S-L 250 0. 095 0. 37 0. 031 0. 01 Amortiz. Organization Costs 5 years. Calaveras Vineyards Team No. 1 18-Feb-2013 Exhibit 10 Solvency ratio EBIT/ (Interest and Principal) Current ratio Debt ratio Assets/Equity Efficiency ratio Sales/Assets Profitability ratio Return on sales Return on assets Return on equity 1994 1. 32 1. 24 0. 67 3. 6 0. 75 11% 8% 28% Anne Clemens Ratio Analysis 1995 1996 1997 1. 53 1. 8 2. 05 1. 24 1. 33 1. 48 0. 59 0. 5 0. 39 2. 82 2. 22 1. 8 0. 79 12% 9% 26% 0. 85 13% 11% 24% 0. 88 14% 12% 21% 1998 2. 48 2. 16 0. 25 1. 45 0. 94 15% 14% 20% Comparables ratio top(prenominal) Quartile Median Lower Quartile 5. 5 0. 97 2. 5 0. 99 1. 5 0. 995 1. 04 7. 30% 8. 10% 16. 60% 0. 73 2. 80% 2. 30% 7. 70% 0. 35 -0. 20% -0. 10% 1. 10% Calaveras Vineyards Team No. 1 18-Feb-2013 Exhibit 11 exchange feed in Components Cumulative superfluous or dearth bills strike money feast Components Cumulative supernumerary or deficit Cash melt Cash take to the woods Items initial Inputs dough Results Initial Inputs Net Resultsoperating(a) Inflows (Net Sales) in operation(p) Outflows COGS Depreciation SGA Exp Taxes separate Total operating(a) Outflows Total Net Operating Cash lean (NOF) commutes in on the job(p) Capital Receivables (AR) Inventory (INV) former(a) Current Assets (OCA) Accounts Payable (AP) opposite Current Liabilities (OCL) Total channelizes in Net Working Capital (NWC) prodigality or Deficit Cash consort after Working Capital enthronisation Capital Investment stir in Net glacial Assets Depreciation Net Investment descend throw overboard Cash bunk to hearty extra or Deficit (FCFF) Interest Income (II) Fixed coverage Expenditures (Interest) (FCE) Surplus or Deficit Cash move Avaiable for Dividends Dividends (DIV) $ 2,836,062. 00 $ 1,899,853. 00 $ 528,456. 00 $ $ $ 2,428,309. 00 $ 407,753. 00 $ 43,356. 00 $ 654,835. 00 $ (7,012. 00) $ (121,880. 00) $ $ 569,299. 00 $ 977,052. 00 $ 4,193,000. 00 $ 2,294,000. 00 $ 587,00 0. 00 $ 287,000. 00 $ $ 3,168,000. 00 $ 1,025,000. 00 $ (49,000. 00) $ (281,000. 00) $ $ 28,000. 00 $ $ (302,000. 00) $ 723,000. 00 $ 268,332. 00 $ (394,512. 00) $ (126,180. 00) $ 850,872. 00 $ $ $ (83,000. 00) $ (167,000. 00) $ (250,000. 00) $ 473,000. 00 $ $ (308,000. 00) $ 165,000. 00 $ $ 850,872. 00 $ Calaveras Vineyards Team No. 1 18-Feb-2013 Cash geological period Statements Contd.Surplus or Deficit Cash Flow Avaiable for Dividends Dividends (DIV) Managements Discretionary Cash Flow Surplus Financial Cash Flow Change in Long-Term Debt Change in Short-Term acceptance Change in Preffered line of reasoning Change in Common Stock Change in some other Total Change in Net Finncial Cash Flow (NFF) Goodwill/Other Assets &038 Other Liabilities Change in Goodwill &038 Other Asset Change in Other Liabilities Change in Gwill&038OAssets &038 Other Liabilities Surplus or Deficit Cash Flow (Sum of 13 Cash Flow Components) Change in Cash (Cash) Surplus or Deficit after all Cash Flow s $ $ 45,006. 00 13,241. 00 $ 850,872. 00 $ $ 850,872. 00 $ $ $ $ (729,402. 00) $ $ (729,402. 00) $ (400,000. 00) $ 236,000. 00 $ $ $ $ (164,000. 00) $ 165,000. 00 $ $ 165,000. 00 $ (153,235. 00) $ $ (153,235. 00) $ (31,765. 00) $ $ $ $ $ $ 1,000. 00 1,000. 00 Calaveras Vineyards hard currency scat STATEMENT 1000 Dec-96 Cash Flow Items Initial Inputs Net Results Cash Flow Components Cumulative Surplus or Deficit Cash Flow Initial Inputs Dec-97 Net Results Cash Flow Components Cumulative Surplus or Deficit Cash FlowOperating Inflows (Net Sales) Operating Outflows COGS Depreciation SGA Exp Taxes Other Total Operating Outflows Total Net Operating Cash Flow (NOF) Changes in Working Capital Receivables (AR) Inventory (INV) Other Current Assets (OCA) Accounts Payable (AP) Other Current Liabilities (OCL) Total Changes in Net Working Capital (NWC) Surplus or Deficit Cash Flow after Working Capital Investment Capital Investment Change in Net Fixed Assets Depreciation Net Investment Flow Free Cash Flow to Firm Surplus or Deficit (FCFF) Interest Income (II) Fixed Coverage Expenditures (Interest) (FCE) $ 4,681,000. 00 $ $ 2,526,000. 00 $ 655,000. 00 $ 349,000. 00 $ $ 3,530,000. 00 $ 1,151,000. 00 $ (49,000. 00) $ (169,000. 00) $ $ 17,000. 00 $ $ (201,000. 00) $ 950,000. 00 $ 4,967,000. 00 $ $ 2,644,000. 00 $ 695,000. 00 $ 394,000. 00 $ $ 3,733,000. 00 $ 1,234,000. 00 $ (29,000. 00) $ (208,000. 00) $ $ 21,000. 00 $ $ (216,000. 00) $ 1,018,000. 00 $ (34,000. 00) $ (216,000. 00) $ (250,000. 00) $ 700,000. 00 $ $ $ (280,000. 00) $ 17,000. 00 $ (267,000. 00) $ (250,000. 00) $ 768,000. 00 $ $ $ (235,000. 00) Calaveras Vineyards Cash Flow Statements Contd.Surplus or Deficit Cash Flow Avaiable for Dividends Dividends (DIV) Managements Discretionary Cash Flow Surplus Financial Cash Flow Change in Long-Term Debt Change in Short-Term Borrowing Change in Preffered Stock Change in Common Stock Change in Other Total Change in Net Finncial Cash Flow (NFF) Goodwill/Other Assets &03 8 Other Liabilities Change in Goodwill &038 Other Asset Change in Other Liabilities Change in Gwill &038 Other Liabilities Surplus or Deficit Cash Flow (Sum of 13 Cash Flow Components) Change in Cash (Cash) Surplus or Deficit after all Cash Flows $ $ $ 420,000. 00 $ $ 420,000. 00 $ (400,000. 00) $ (20,000. 00) $ $ $ $ (420,000. 00) $ (400,000. 00) $ (132,000. 00) $ $ $ $ (532,000. 00) $ 533,000. 00 $ $ 533,000. 00 $ $ $ $ $ $ $ $ $ $ 1,000. 00 1,000. 00 Calaveras Vineyards Team No. 1 18-Feb-2013 CASH FLOW STATEMENT Dec-98 Cash Flow Items Initial Inputs Net Results Cash Flow Components Cumulative Surplus or Deficit Cash FlowOperating Inflows (Net Sales) Operating Outflows COGS Depreciation SGA Exp Taxes Other Total Operating Outflows Total Net Operating Cash Flow (NOF) Changes in Working Capital Receivables (AR) Inventory (INV) Other Current Assets (OCA) Accounts Payable (AP) Other Current Liabilities (OCL) Total Changes in Net Working Capital (NWC) Surplus or Deficit Cash Flow af ter Working Capital Investment Capital Investment Change in Net Fixed Assets Depreciation Net Investment Flow Free Cash Flow to Firm Surplus or Deficit (FCFF) Interest Income (II) $ 5,348,000. 00 $ 2,803,000. 00 $ 749,000. 00 $ 461,000. 00 $ $ 4,013,000. 00 $ 1,335,000. 00 $ (38,000. 00) $ (126,000. 00) $ $ 12,000. 00 $ (400,000. 00) $ (552,000. 00) $ 783,000. 00 $ 66,000. 00 $ (316,000. 00) $ (250,000. 00) $ 533,000. 00 $ Calaveras Vineyards Team No. 1 18-Feb-2013Net Investment Flow Free Cash Flow to Firm Surplus or Deficit (FCFF) Interest Income (II) Fixed Coverage Expenditures (Interest) (FCE) Surplus or Deficit Cash Flow Avaiable for Dividends Dividends (DIV) Managements Discretionary Cash Flow Surplus Financial Cash Flow Change in Long-Term Debt Change in Short-Term Borrowing Change in Preffered Stock Change in Common Stock Change in Other Total Change in Net Finncial Cash Flow (NFF) Goodwill/Other Assets &038 Other Liabilities Change in Goodwill &038 Other Asset Change in Ot her Liabilities Change in Gwill&038OAssets &038 Other Liabilities Surplus or Deficit Cash Flow (Sum of 13 Cash Flow Components) Change in Cash (Cash) Surplus or Deficit after all Cash Flows $ $ $ $ (250,000. 00) $ 533,000. 00 $ (173,000. 00) $ 360,000. 00 $ $ 360,000. 00 $ $ (360,000. 00) $ $ $ $ (360,000. 00) $ $ $ $

Metabical Case Study Summary Essay

The Cambridge Sciences Pharmaceuticals (CSP) is an international wellness sympathize with company that had consummate successful clinical trials for its newest weight loss prescription drug, Metabical. With the final FDA grace expected, Metabicals launch was set for January 2009 and a clear trade communication theory strategy needed to be in place before the launch. With 10 years and $400 million spent on look into and development, it was assertive that CSP positions Metabical correctly in the martplace. Optimal segmentation, targeting, and positioning were important factors to consider in order to ensure that the launch as well as post-launch marketing of the drug yielded strong sales and product longevity.Key IssuesAnalyzing the market and segmentation, and identifying the require of the guests. The optimal marketing campaign would guarantee a better-off position of Metabical subsequently the information search and alternative valuation that customers may perform. Furtherm ore, Metabical needs to be affordable and effective as it will barely be functional as a prescription drug and, at least initially, the patients would be required to purchase it as an out of pocket expense.CustomersGeneral coupled Sates population struggling with excess weight (By 2000, 34% of the population was wakeless, 25.8% classified advertisement as obese, and 4.7% was in the severely obese category) End consumer (the patient) Moderately overweight people with the BMI of 25-30 Men and women between the age 45-74Individuals with income between $40,000 and $80,000+  Health c atomic number 18 providers who would prescribe the medication as this is not a over-the-counter ( nonprescription(a)) drug Managed healthcare insurance companiesCustomer decision making motionNeed Recognition and problem awarenessa. Overweight Consumers Many health and social stigmas are centered around excess weight. 35% of the respondents of the CSP sponsored market research are trying to lose w eight and 15% of those are comfortable using drugs to reach ideal weight. The campaign must be focused in activating the latent needs of this segment (see display panel 1, Annex). b. Healthcare providers Health care providers are already aware of the benefits that a reduction in weight would play in their clients health. However, they are not successful in counseling them to establish long healthy diet habits and exercise routines.Information searcha.Overweight consumers Once the customer has recognized the information and the need then he/she can research finished personal sources such as family, friends, testimonials, advertising, promotions, and sales persons or border the expert healthcare providers. b.Healthcare providers Healthcare providers receive information reading through medical journals, attending conferences, and speaking with science and medical sales representatives and separate experts.Evaluation of Alternativesa.Overweight consumersAn alternative for Metab ical would be a plethora of OTC solutions such as Alli, the only FDA approved OTC drug, and a dietary add-on ephedra. These alternatives, however, are associated with various and serious negative side effects. The fact that Metabical is the only weight loss product that requires prescription may be a point in its favor, as a sign of safety and effectiveness. Metabical is as well only required to be taken once a day.b.Healthcare providersThe massive majority of alternatives for Metabical either have a negative effect or are not regulated by the FDA. Metabical represents a safer choice, in profound terms, to recommend its use. As the only FDA approved drug, Metabical can stimulate red-blooded weight loss in customers and provides a comprehensive support and long weight maintenance program that enhances the success of the drug.

John Proctor †the fair and noble character Essay

The novel The Crucible by Arthur milling machine is about witchcraft and the accusations of witches in Salem, Massachusetts. One of the main char manageers in the story, which happens in the spring of 1692, is magic trick monitor, a farmer in his middle thirties. He is unify to Elizabeth Proctor. It is not directly said, but they have at least(prenominal) two sons and a servant named Marry Warren. Because Proctor seems to be genuinely religious, he re all in ally loves his wife and he confesses his function with Abigail Williams to Elizabeth furthermore he subsequent refuses to be with Abigail, this makes him a very fair man.First of all, the sponsor can buoy Proctor seems to be religious, in view of the fact that when he is taken to jail he does not defend himself at all he simply accepts that he did something wrong and he can work with that. This makes him religious, because he does not involve to harm the Ten Commandments. He writes a confession that he has seen the dev il and that he was the only genius. He til now signs this paper, but as soon as Deputy G everywherenor Danforth asks Proctor to give the confession to him, Elizabeths husband refuses and tears it up. On the one hand he does that, because he thinks that his name cannot be taken forward from him on the other hand he knows that the paper does not set up the truth. He rather wants to be hanged than to live with the thought that he has be to the church. This is a very strong and self-confident consideration.Another proof that John Proctor is fair can be seen in his former affair with Abigail Williams, the servant to the Perris-household. She was once in love with him, but they broke up because Proctor realized that he really could not afford to be in love with a girl while cosmos unify and having children this makes him world fair to his wife as he does not want to hurt her. Later when Abigail threatened to tell Elizabeth about their affair he wisely chose to tell the truth t o his wife. He refused not to tell her earlier, because he did not want to hurt her. It is discovered in the last act that their relationship is so strong that she forgives him. Telling her about his affair so late is probably not the best solution, but it is certainly collapse than saying nothing, so that Elizabeth finds our on her own.A further indication that John Proctor is fair would be that he remains strictly tightlipped to his wife once he realized that having affairs while being in love with someone else is a bad conception. So when Abigail later comes to Proctor to ask him for continuing their relationship the protagonist refuses. He cannot do this to himself or to his wife. Otherwise he would commit adultery once more. Again, this makes him being fair to his wife.In conclusion one can say that the component part John Proctor is a quite fair person. After he realizes some thingsfor example, having an affair is not the best while being marriedhe tries to do the best for himself and the people around him. This includes no voluntarily contact with Abigail. They only talk when he tells her that he cannot or does not want her anymore. Finally he pays with his life for committing adultery. This action is one of the just about expressive acts in the whole play. John Proctor is a keen and noble man and because of this he believes that he cant be hanged and die a martyr when he has this sin blooming over him every waking moment.

Book Analysis: The Rook

In The Rook by Steven James, there is a art object who is a tec his reveal is Patrick Bowers but he also goes by the name Creighton which is his name for when he does undercover missions. Patrick Bowers is a special agent who has been summoned to determine part in a dangerous case involving an arsonist who has began his tower of fires in San Diego. And the fires that are happening in San Diego are matching up to other events that may be linked to the alike(p) person whos starting these fires. Soon Patrick Bowers finds out its non equitable fires he has to perplexity about its also kidnapping, a gruesome taunting video, and a suicide.Which Patrick witnessed as well as his niece. That same suicide happened right after he and his partner lien-hua are called in to look at a mob suspected of arson which may be linked by the same person who has started the previous fires. There is a man who is wild and all in all out of control and seems to be high off of drugs. Detective Patrick Bowers goes to bear witness to calm the man down but the man reacts violent way, and the man starts to attack Patrick and has he goes to punch the man in the face he bites him in the arm and takes off running.As the man starts to run away he is then hit by a trolly and is run over. The character that I identify with most his detective Patrick Bowers, the reason that I identify with detective Patrick bowers is because my uncle is also a detective who also has delt with cases similar to this, only not as extream as Patrick bowers. My uncle and Patrick Bowers are genuinely similar when it comes to their past my uncle just as Patrick bowers has dealt with things that he is not proud of. My uncle and Patrick bowers are also very family orientated people Patrick Bower has a stepdaughter my uncle also has a stepdaughter.And the briny reason that I chose Patrick bowers to be a character that I really identified with is because he and my uncle seem to have really good police wagon and w ould do anything to protect their families. While investigating a series of problematic fires in San Diego, Special Agent Patrick Bowers is drawn into a deadly entanglement of intrigue where nothing is as it appears to be with a killer on the loose and one of the worlds most deadly devices missing. Bowers is caught in a race against time to stop a criminal conducts trap before it closes around the people he loves < the Rook. com>

My so-Calld Life Essay

My so-called chance What is the underlying meaning of the title of the serial publication? The title of the commemorate, My So-Called Life, suggests the understanding of vacuousness that many immaturers experience. It shows us how it is to feel judged by others and it encapsulates the main theme of the series. The show depicts the teenage years as being uncorrectable and confusing rather than a light, fun-filled time. This series deals with the expectations that pot project of teenagers. The main character, Angela matt-up wish well she was being anticipate to do certain things stock-still though she had ust construct a teenager and she was still hard to figure bulge reveal who she was for herself. In advanced nurture, Angela found two new friends named Rayanne and Rickie, who be not the best students and dont seem to be very easily influences on her. As a result, Angela started to turn out classes with them and didnt revolve around on her groom realize as mu ch any more than. Her pargonnts expected her to keep up with her school work and do well in her classes, the things she had eer d sensation but being a teenager in high school had castrated Angela. In the show, a main focus is how people are judged by their appearance.Angela felt misunderstood and judged when she dyed her hair ablaze(p) after it being blonde her solely intent. Angela didnt want to be seen as that goody goody blonde misfire anymore, she wanted to stand out and make water a change. Her personality had changed the people she hangs out with had changed, so why not change her hair too. But her parents and old friends judged her because of it. The show covers all of the characters going th crude rough times each and every one of them was induct into different situations where they felt meaningless or unwanted. They all ook turns feeling ill at ease(predicate) and not knowing how to deal with their situation. At the beginning of the series, Angela felt unwanted by Jordan. Later on, Rickie felt alone after he was involved in a shooting and had no one to conference to about it. Also, Rayanne was jealous of Angela when she found out how great her father was and that Angela didnt even appreciate it. In a more recent episode, Jordan was frustrated because the substitute teacher picked on him in class. Throughout the series, Shannon felt neglected and hurt when Angela left her and started temporary removal out with Rayanne and Rickie instead of her.Finally, Brian felt use when he found out that Angela except came over to his house to meet with Jordan outside. As this series shows us, the teenage years are not easy to deal with. Teens have to figure out who they are and who they would like to be friends with. They have to deal with the expectations people have for them and be put into situations where they feel meaningless, misunderstood or judged. The title of the show, My So-Called Life, is used to show that the typical teenagers life is not easy and it isnt how it usually is put out to be.

Western Humanities

It is no exaggeration to say that the roman types have make profound impact on neighboring all civilized nations of the world and their civilization is the cradle of m whatever cultures of today (Rao, 113). The personal manner in which the Romans pick their girls has a strong lot to do with the laws governing wedding at that clipping. Before a trades union could be considered legal, both couples must be matured for the girl twelve long time and for the boy fourteen, the parents of the couple have to be fully aware that is it has to be with the accept of both families of the bride and garment.During the Augustan age, families were forbidden any refusal of brotherhood ceremony without given any logical reason as to why they lowerd a labor union. Marriage in the midst of a close relation the likewise ascendant and descending(prenominal) jointure were also unlawful. There were both kind classes during the earliest Roman fulfilment the patricians who were the citiz ens and the plebeians who were the assoil non-citizens. During that time, the patricians al nonpareil marry the patricians and the plebeians totally the plebeians respectively as there was no inter-marital relationship between these two affectionate classes.Marriage by the Patricians was considered a consecrated institution which can non be done provided by merely saying it. several(prenominal) manners of consideration have to be taken earlier a marriage could actually take place. With the direct consent of the gods, the patrician takes his bride from her fathers place to his own residence in the bon ton of a representative of his clan. In this mental strain of marriage, the bride is put under the authority of her married man and her married man in a commission becomes her master. The plebeian marriage only exist essentially the cohabitation of a man and adult female as husband and wife.Plebeian marriages were non recognized by the patricians as they were not conside red citizens and even when the plebeians became citizens and their marriage were legalized, inter-marriage between the plebeians and the patricians were soothe not allowed because of the phantasmal differences between them. just now as years past, their laws were amended and the marriage between the social classes now became possible. The early Romans married at a comparatively early age as a girl was considered ready for marriage between the ages of fourteen and seventeen.Her father would choose a husband and per category the required arrangements. though young Roman children were not force into marriage, very few children were able to refuse an arranged marriage (Mellor). Betrothal before marriage was considered a good form although it had no legal obligation machine-accessible to it. Betrothal involves a girl been promised solemnly by her family to the man or his family. This parade in most case is delineated by the man giving the likely wife a ring.The ring is have on o n the third finger of the left over(p) hand which the Romans believed had a direct marry with the heart, as they believed that the finger had a club with the heart by a nerve. It was accustomed point of pride with the Romans for the bride to bring her groom a dowry which was provided by her family if she is steady dependent on them or by herself. The bride is dressed by her mother on the morning of her wedding day one of the most significant parts of the training was the knot of Hercules who was considered the guardian of wedded sprightliness (Rome exposed Roman Children).The groom is the only one permitted to loose the knot at a time it is tied and this is done after the wife has been accompanied to her overbold home. After the marriage ceremony, there is usually a dinner party (reception) in the folk of the bride after which she is consequently accompanied to her husbands house by her family members. On entering into her new home, the bride is carried into the house so as to interrupt any bad omen that whitethorn result if she stumbles upon her initiatory entrance into the house. Until the first child is born, marriage itself is not regarded as having been consummated.This is because the Romans believe that children are of paramount enormousness in order for a marriage to be considered blissful. However husbands and wives could tend to get by each other as time goes on. The Roman women enjoy social freedom as they could attend both semipublic and private banquets in the society. After marriage, the social status of a Roman char increases as she is raised to the rank of her husband and is considered equal with him sharing the same religious and civil status with him.Her responsibility however is to govern the home and being the kept woman of the house, she oversees the education of her children as well as the slaves. During the Augustan age women had more encouragement to bear more children because of the privilege associated with it. The upshot a woman has three children, she would be released form all supervision and was free to conduct business by herself (Bierkan, Sherman & amp Stocquart, 303-327). One could safely say that the Roman woman was vast and sophisticated when compared to her counterparts like the Greeks and this was due to the privileges given to her by the society.

KOA Team

The teamKOA industrial plant with the demand of solving client ineluctably with ripe role of applied science. Innovation is done by the taking the feedbacks of the existing technologies and comparing with the some(a) dynamic products interpret in the market. It is evaluate from us to launch untried products and chequer from customer interactions to make them better.The team practices on the flaws by brining in antithetical perspectives to find new solutions to problems. Continuous trade installation grounds ar located down at the speed of business. The stick website of dell is found to have some flaws for which we are liveings on making Dell.com more responsive. MOTIVATIONAs we cook our Future plead Commerce Platform, we believe our success is to physique an open, extensible and participative programme that gouge be extended to meet the diverse needs of customers and our business in a self- attend to fashion.Research of the industry and defining what a newfa ngled Developer Experience Consist of and work dynamics are taken in con locatingration. Building a strategy that whoremaster outline how Dell Digital and IT can build this great Developer Experience. Delivering a range that showcases with documentation and enter examples what each use case at the end of the project. embracement the Pivotal Labs development model for never-ending improvement and language. authoriseing all organizations to leverage the platform to create their own operate, apps, and experiences.ABOUT PROJECT KOA(A) icy PRACTICES becloud foundryis anopen source, multi cloud diligenceplatform as a service(PaaS) governed by the taint Foundry Foundation. The parcel was originally developed byVMwareand therefore transferred toPivotal Software, a joint proceed byEMC,VMwareandGeneral Electric. the creation of the Cloud Foundry Foundation, the Cloud Foundry packet (source code and all associated trademarks) was transferred to be held by the open source softwar e foundation.It is gene scold written inRuby,GoandJava. Cloud Foundry is promoted forcontinuous deliveryas it supports the full drills programme development lifecycle, from initial development done all examen stages to deployment. Cloud Foundrys container-based architecture floods apps in any scheduling language over a variety of cloud service providers. This multi-cloud milieu allows developers to leverage the cloud platform that suits peculiar(prenominal) app workloads and move those workloads as necessary in spite of appearance minutes with no changes to the app.Users have entre to one or morespaces, which typically correspond to a lifecycle stage. For example, an application reach for QA testing might bepushed(deployed) to its projects QA space. diametrical users can be restricted to antithetic spaces with different access code permissions in each. When an application is deployed to Cloud Foundry, an image is created for it and stored internally. The image is then (prenominal) deployed to aWardencontainer to run in.For eightfold interpreters, multiple images are started on multiple containers. This is where twaddlecomes in Cloud Foundrys internal ascendency uses BOSH to get the underlying bag to spin up virtual machines to run the Warden containers on. When an application is deleted, all of its containers are unmake and their resources are freed for other applications to use.If the application instance crashes, its container is killed and a new Warden container is started automatically. A container just now ever runs one application ensuring isolation, shelter and resilience.A load-balancing router sits at the front of Cloud Foundry to route incoming requests to the correct application essentially to one of the containers where the application is running.PAIR PROGRAMMINGWe duet our product managers, designers and engineers with counterparts from your team to work side by side, in the aforesaid(prenominal) office, 40 hours a week. T he deliberate practice of staffing each workstation with two software engineers focused on writing software together. Similar to rally racing, the driver and navigator have the same goal write high-quality and main(prenominal)tainable code that works. The driver and navigator can ofttimes switch roles throughout a programming session (unlike in rally racing).device driver In addition to what the Navigator does actively typing at the keyboard, can return key to navigator Navigator Error checking, flavour up APIs, thinking about slipway to better structure the code, can bug out in and drive It is seen that there are lot of benefits in pairing. The team which working through this practice gets boosting efficiency through collaboration during working.Knowledge can be shared dynamically during works hours, then making the team more dotty and skill can be transferred simultaneously rather than wasting time in learning the same. It not only put up our skills but also pr up to no wts knowledge silo.There is even cent percent transparency in work.KOA PLATFORM TENETSGlobal Provide global services that can be configured for regional needs. Customer experience is consistent careless(predicate) of location.Modern Design extensible, scalable, loosely coupled systems and estimate open versus closed systems to power experiences from mobile, to desktop, to division and beyond.Agile Operate in an ever ever-changing world and to make rapid progress.Empower small counterpoised teams to operate on an individual basis and adapt quickly.Balanced Technology serves the business and we balance speed of business value delivery with long term technology purity.Transparent stir trust by providing open access to information and services. Progress will be measured by demonstration of capabilities.Pragmatic When choosing amongst out of the box and custom solutions, prefer for the solution that provides the close to flexibility, at the last long-term cost. Use Dell technol ogy when possible.Personalized Start with our internal and external customers and work back to anticipate needs in real time based on data insights. Our systems understand individual customers to present relevant experiences.COMMERCE TRANSFORMATION AND CUSTOMER BENEFITSECommerce isnt new anymore, and as its novelty fades were seeing businesses flavour to hone their digital strategies to perfection. It is found that customer satisfaction is almost always the main goal, and as a result, that is whats driving most business strategies. This, in turn, is pushing organizations to feign additional changes and bring in change in e-commerce. Some of the new innovation which are going to be employ in the project is listed below.DELIVERABLESThe product should seamlessly interact with Dell Technologies entire Product pass so that we can achieve our craved outcome across our entire experience.CONCLUSIONBecome long-familiar with the most modern technologies used to build great developer com munitiesUnderstand the importance of using modern tools to increase velocity of ITOutside in moot of Developer ExperiencesInternal interviews and research across Developers and functionsDefinition of Developer Experiences by employee personas (Software Developers, meaning Ops, UX Design, Analytics, Business)Deliver 2 to 3 Demos that can be immediately actioned by Dell.

Dogs Make Good Companions

Dogs switch safe companions, because of the loyalty, unconditional love, friendship, and protection they give. When you wake up in the morning they dont divvy up if you turn in morning breathe, make do head, and no make-up, after a yen day stressful day, door to that tail-wagging pee-pee to give you hugs and kisses because your home. It makes all Youre worries and stresses go right out the door. For pillow slip, they will eternally show unconditional love and loyalty. You efficiency champion emotional, angry, or even public lecture out loud to yourself about your surly day, who is thither?Your give chase, listening wagging its tail. They will neer be judgmental, they dont c ar about what name brand array youre wearing, the car you drive, the house you spirited in, they will love you for you. If your late nourishment them, or you raised your voice because they did just aboutthing wrong, they wont complain and will continuously forgive you. On a coolness winter night they will be right there to be your go up buddy and keep you warm. An opposite instance detents can be good protectors of their family/ owner and home.Next time Youre out on a walk or in the park with family and friends watch the reactions of get overs. If a whateverone or animal are acquiring a little too ending they will get that alert look, eyeball wide open, ears at attention, watching the surroundings. When they feel a possible threat, they get that vicious look, curled lips, fangs all out and reservation brutish noises through their nose, making sure, that soulfulness or animal distinguishs they mean melody when it comes to protecting Family/owner. When it comes to protecting their home, they will go to great lengths, even giving their life.Do some research on how many dogs set out saved their family from burglars, fires, Carbon Monoxide Statistics show that owners are less likely to be burglarized than non- dog owners are. Dogs bark to alert, letting you kn ow something is not wrong and for you to go investigate. Did you know dogs are also good for your health? skillful petting or cuddling with your dog can Relieve stress, lower air pressure, and lower your heart rate. Taking your dog for a walk provide them the exercise, exclusively youre also getting some cardio exercise in as well. Dogs sense when youre not feeling well, staying by your side comforting you the best appearance they now how. When youre emotionally numb(p) or depressed, they are right there showing you love and support, letting you know its going to be all right, and they are there for you for matter what. Dogs taste making you smile, which is good for the soul. One net thought is dogs dont demand for much for the unconditional love, friendship, loyalty. Dogs are automatic to give their life to protect their family. Dogs motive very little care for the society they give you in return. Sure, they need food, water, and grassroots care just like you, precisely all they compulsion is love, attention, and affection.Rather, its playing fetch, going for a walk, for a ride, or cuddling on the couch, doing little things, makes the high society stronger. Just like any other friendship in your life, you have to make time and make it work. Now solicit yourself a couple of questions. Do you have friends that give unconditional love? Do you have any friends there for you 24/7? Do you have friends that want to be around you when youre emotional, angry, and accented? Are friends their when youre feeling low? Dogs just may be the professedly friend and companion you never had. Thats why dogs make good companions.

Microfinance in India

India has al tracks been a very agrarian centeringed culture, with approximately 450 million hatful be currently in engage of funds. Micromanage encompasses many different types of services much(prenominal) as ascribe, savings, Insurance, remittance and pensions. Micromanage Initiatives primarily concenter on integrated circuit services beca workout sylvan towns argon heavily reliant on quotation rating for a wide scope of needs for example engage In economic exertionivity, consumption needs, mitigate Income shocks, increment savings and improve self-empowerment. In many micromanage argonas, women comprise most of the multitudes because they argon seen as much re conceivable with funds.Indians micromanage developing peck be broken bulge out into 4 distinct manakins. Indians micromanage movement started in 1903 by dint of its quote cooperative movement. Before this movement, the scurvy often relied on the villages property l arrester whenever they needed acces s to cash. Money lenders were infamous for mellowed take rank they would missionary station approximately 3%-8% per month on gives. Although money lenders would prey on farmer, they had no separate choice to use them because they could non get access to banks. Farmers earnings were right away related to how well their crops f bed.High Interest rate coup conduct with possible years of dearth made re conductment Impossible ca utilise agrarians to riot. In 1904, the Co-operative Society motivate extended attri neverthelesse to Indian villages under regimen sponsorship as an alternative to traditional money lenders. Cooperatives were the provided option to most hoidenish areas because of its spatial spread and penetration in contrary areas. During this phase commercial banks did non contingency into unsophisticated areas because they were in the private area and had no incentive to extend their outreach to rural areas. However they became unreliable because of NAP i nefficiencies and they lacked revisionisms.Credit cooperatives had tussle distributing funds due to frozen assets from due retortments. Therefore rural areas stopped development credit cooperatives and opted for juicy by-line money lenders. The next phase of Indians micromanage evolution was the communisation of Social Banking. In 1969, former aboriginal Minister Nadir Ghanaian nationalized 14 major domain banks In spark cancelled of her political policy to eradicate poverty. later the nationalization of banks, regional rural banks (Orbs) were created in order to strengthen the rural banking social structure and reach more mountain.These banks offered a crossbred service of the previous cooperative banks with a more localized approach. Approximately a decade after, the government sponsored the merged outlandish Development Program ( desiccate) to deliver RSI. 15000 to the weensy. Indians Integrated rural Development Program ( desiccate) is a great example of un availing subsidise credit. This architectural plan was set up in order to forebode the need to share funds according to social targets, essence that 30% of the fund was solely(prenominal)ocated to socially excluded bases (defined development the caste system) and 30% towards women.Between 1979 and 1989, in that location was a grand period f ARID growth due to a huge subsidy budget of $6 blameion. still despite the huge fund, the scheme did not generate a good institutional performance. ARID repayment place unload below and only of borrowers took out a second bring after the introductory loan was repaid which is particularly troubling given it is perceived that repeating rate shed to merely 31%, and on that pointfore the ARID failed its key purpose being a reliable and meaningful lender to the poor.According to the Rural Finance Program at the Ohio verbalize University, the main mistake government-led development banks ( much(prenominal) as he ARID) made, was t o view whirl credit as the same as offering seeds. Ohio argues that credit should be thought of as a fungible tool of pecuniary intermediation, and as not as a specific in put in into a achievement process. They claimed that credit could not Just be directed towards any particular instalment of society and when this was linked with cheap credit policies, this ca withstand havoc in rural fiscal markets.This outcome was due to the brusque rude(a)s report of incentive effects and politics associated with subsidies. It is argued that subsidizing banks created ineffective monopolies and removed market tests. Some flip even gone on to learn that the households involved would put up been die off without the subsidies. Firstly subsidized banks pushed out the on the loose(p) money lenders, a source of credit the poor heavily rely on. Secondly, the use of subsidized credit core that the divert rate, a rationing mechanism, is driven pull down below market rates, breaking down t he rationing mechanism.This meant that credit was no hourlong allocated to the most productive projects, and was often distributed on the basis of political and social desires. Thirdly, with subsidized lending, bankers incentives to gather savings posits were almost eradicated due to the constant flow of great from the government, so poor households were go forth with unattr identification numberive and inefficient ways to save. During this phase, a trade league of self-employed women workers in Gujarat established a Self-Employed Womens Association (SEWS) bank in 1974.Approximately 4000 particles contributed RSI. 10 to register as a co-operative bank to provide banking services to poor women. This victoryful bank was one of the prototypical initiatives to introduce micromanage. The third phase of Indians micromanage evolution is the introduction of SSH bank engage programme and the growth of MONGO- seeing red. The National Bank for pastoral and Rural Banking (ONBOARD) wa s established in 1982 to focus primarily on agricultural and rural development. In 1992, ONBOARD pioneered the first self monetary aid group.These informal groups of women promote savings among members and used these resources for meeting their credit needs. A sectionalization of this gravel is that in every meeting, the members would put aside a certain issue forth for deposit. These deposits are then recorded and finished accumulation they pop off a way for members to lend to each other. Although the matter to rates in this cast are high than what banks offer, the SSH groups reap the benefits because the repayment goes directly into the groups savings. This meat that the groups loaning capabilities increases the more its members regularly save.In this model, in that respect is no formal banking institution that provides loans. The first-string goal of this model is for all members to obtain their own saving initiatives. Later this model evolved to become part of Sel f booster Group Bank Linkage program (Kbps) after analyzing a SSH for 6 to 8 months, banks would pair up with groups to extend the credit of the group. After another period of 6 to 8 months, banks would offer a large credit line the maximum a group could borrow was four multiplication their current savings broadside. shortly Kbps narrative for 58% of current loans outstanding.Micromanage Institutions (miff), Non These type of institutions are similar to Bangladesh Grahame role model. In 1976 Unhandsomely created the Grahame Bank Model as a project to swear out poor families by offering credit. Grahame means Mileage in Bengali. This type of banking was used to show that the poor good deal of Bangladesh are indeed bankable and able to pay back loans without promising corroboratory. The model success is based on the fact that there is no need for collateral still through group peer insistence, 96% of all loans are repaid.By offering dismount sideline rates than the Governme nt of Bangladesh and periodical repayment schedules, the Grahame model has been very successful. This model has been very successful in Bangladesh and has become a formal banking structure in 1983. India modified this banking structure and articulate pecuniary obligation Groups Loss) became the dominant model used in Micromanage institutions ( anger). This model is similar to Bangladesh Grahame Model but it introduces an important concept, critical point li readiness. In this model, there is usually 4 to 10 members who are self selected.Due to self selection, most of Joint liability groups are homogeneous groups. Whenever the group decides to take out a loan, all members must sign a Joint liability contract this ensures that if one member fails to repay the loans, the other members are liable for it. This type of collateral is called social collateral because members often use peer pressure to make sure that all members repay their loans. This type of group is intended to Just be credit groups and regular savings by embers are not required. The group only exists because individual members are legally bound to one another. huff prefer this model to provide credit to tenant farmers because the groups are easy to make and there are less restrictions regarding the utilization of the loan. During this phase, Miff experient a boom because Nags coupled themselves with Miff to attract commercial investment. Indians current phase of micromanage encompasses the centralization of micromanage. Throughout its history, micromanage has gone through an intense transformation to provide microcircuit for a wide range of services. Currently India uses a hybrid of the above models in its Miff.However Miff are being criticized for its high evoke rates. Many borrowers only apply for loans between 5000-20000 rupees the small value incurs high fixed costs for Miff. To avoid losing money, Miff often charge higher interest rates. Four key reasons why Miff charge high rates ac commodate the cost of funds, Miff operating expenses, loan losses, and profits needed to expand their capital base and fund expected climb growth. The costs that are associated with microcosms are the cost of the money to loan, cost of loan defaults ND transaction and operating costs.However it is important to tick that there is approximately 450 million people untouched by any micromanage services. These people are often referred to as shatterproof because they rely on family members or moneylenders for financial services. During 2005-2010, India experienced a boom in micromanage with state, Andorra Pradesh, leading the reform. However it was soon complete that Miff were using unethical practices to collect payments from borrowers. These practices escalated to cause many borrowers to commit suicide, little of acceptance and accept high interest rates to avoid Miff.The state government of Andorra Pradesh responded by enacting the Andorra Pradesh Micromanage Institutions (regula tion of money lending) Act in 2010. The act made it they didnt have to pay back the loans and the government would protect them. This led the repayment rate to plummet from 99% to a mere 10%. The act was trying to protect the borrower and punish Miff for charging exorbitant interest rates and causing over borrowing. Critics of the act state that She were as well part of the crisis ND that they were not opposely affected by the act as Miff were.They state that government sanction She were in like manner part of over borrowing and the act limits Miff business and successfully reduces competition between both micromanage institutions. The act ostracizely affected Miff profitability, loan recovery and their overall operations. The result of the crisis left many Miff at negative worth, this in return limits their accessibility to gain fresh funds and their overall ability to reach the rural poor. According to the norms, banks are not allowed to lend to banks that have negative wort h.The crisis left micromanage companies like SHARE Microfilm, Ashman Microfilm, Spandex loud Financial, Trident Microfilm, and Future Financial Services unable to disburse fresh loans to clients. Banks also befogged trust in Miff and there has been a serious liquidity crunch. increase costs of borrowing coupled with the unfitness to access new funds further strained the profitability of Miff. Len conclusion, the enactment of the Andorra Pradesh Act stifled the access of basic financial services to the poorest of India citizens. The current goal for Indians micromanage sector is poverty alleviation through uncial inclusion and inclusive growth.The 2010 Andorra Pradesh Crisis highlighted a a few(prenominal) issues of Indians micromanage sector. The crisis was due to high interest rates and ninefold memberships and borrowing. Other issues include inadequate outreach and coverage, lack of regulation, limited product innovation, rising Naps and recovery issues, ratings of Miff and da ta availability. Proposed Micromanage bloom of 2012 After the 2010 Andorra Pradesh Crisis, the government was very disturbed over the state of Miff and proposed a bill to the development and regulation of Miff.The bill allows the central government to be the fix regulator and supervisor of Miff by creating the Micro Finance Development Council to supervise the development of Miff. Specifically the bill compulsions all Miff that are Non Banking Financial Companies (NBS) to be regulated by RIB period Miff that arent companies would be regulated by the respective state governments because they will be able to take a more localized approach and be better equipped to serve them. The bill would also require Miff to provide an yearly balance sheet, profit and loss account for audit to RIB at the end of ACH fiscal year.RIB would also have the empowerment to set the maximum annual interest charged and maximum limit on the margins Miff are allowed to make. RIB meet the prime regulator for Miff increases symmetry and stability. However critics of the bill rather have a whole entire new body to regulate the micromanage sector such as Micromanage Regulatory and Development Authority. come upon issues that still need to addressed relating to margin, interest rate cap, allowing collection of thrift by Miff, enabling Miff to render other services than credit like pensions, insurance, etcetera Ceiling limit on credit, and regulation. Critics dont want a cap on interest rates or margins because they believe that it negatively affects the entire private micromanage sector. Specifically value controls only benefits a few term The bill lacks specific provisions, which would provide and hasten financial inclusion at an inexpensive cost to poor and weaker sections. The bill doesnt address what led to the AP Crisis multiple credit lending, over-indebtedness, multiple memberships and coercive measures adopted by Miff.