Comparing the Book and Movie Version of The Secret Garden Essay

The Secret Garden Book vs. MovieThe Secret Garden is a film based on Frances Hodgson Burnetts classic childrens book bearing the same title. This movie is about a young girl who is literally shipped off to her uncles incline castle after her parents are killed in an earthquake. The main character, Mary, is played by Kate Maberly. She is tossed into a world where sunlight and cheerful discourse seem as old as the attention she receives from the sour-pussed housekeeper Medlock, played by Maggie Smith. She helps her crippled cousin to see past his hypochondria and into the wonders of a long forgotten garden hidden beyond the confines of Misselthwaite Manor. While one critic dislikes the slight deviations from the book, another is content to relish in the imagery and scenery of The Secret Garden. Megan Rosenfeld, a Washington station staff writer, is obviously distressed at the modifications made by director Agnieszka Holland to the original story. Ms. Rosenfeld asserts, If it aint b roke, dont rewrite it. She refers to some specific changes, including the use of an earth...

Summary and Analysis of One Flew Over the Cuckoos Nest :: Ken Kesey Novel Film Movies Literature Essays

Summary and Analysis of One Flew Over the Cuckoos Nest1.1Presentation of the theme and my want to choose itI chose the subject about One Flew Over The Cuckoos Nest written by Ken Kesey in 1962 for my research publisher because my mother told me years ago of the accompanying film and how interesting it is. Two years ago a fri peculiarity of mine came back from his exchange syllabus in the United States of America. He told me that he and his theatre group there had performed this impudent. He was and still is very enthusiastic about the theme and about the commission it is written. Although I started reading the novel, I didnt manage to finish it till the day we had to choose our subjects at school. When I saw this subject on the list, which we were given(p) by our English teacher Mr Schfer, I was interested immediately. So I chose it.1.2My procedureAfter reading this novel and watching the film I went to the Braunschweig University Library, where I loaned books about Addiction t o games of change, The American history in the sixties and The history of Red Indians to receive an insight into the life of the protagonist. With the use of the internet I got save information.By choosing my subject I didnt assume that it would be so difficult to describe Mac Murphys decline. I often survey that the psychological background knowledge would have been helpful. After having written my keywords I didnt know how to start with my formulations but finally I wrote and wrote and in the end I had too many pages. As a result I had to shorten my text which was more difficult than my first problem.2 Summary of the novelA half Indian named Chief Bromden begins telling the reader about his experiences in an Oregon mental hospital. Head of this hospital is Nurse Ratched, also know as Big Nurse, () a stern, controlling woman who behaves with a serene confidence. She is the antagonist of the novel, manipulative and dictatorical, using any method to assert her authority over the patients. In comparison to Randle Patrick Mac Murphy, the protagonist, she () represents ideas of sexual repression, authoritarianism and conservatism . The nurse and her new patient, who was admitted to the hospital by the state work farm for observation, argon in every way opposed to each other - she demanding control, he revelling freedom.

Exposing Children To Profanity :: essays research papers

The United States Constitution gives Americans many rights. One of those rights is the freedom of speech. A disceptation has erupted in the United States beca pulmonary tuberculosis the government is unable to determine the limitations on this right. "In early America when our forefathers wrote the Constitution, profanity was not accepted" (Shoeder 72). This makes determining the true commentary of "speech" difficult. A majority of people believe profanity is an acceptable form of language. These people feel that they are free to say what they want without lamentable about the rights of others. Due to this insensitivity, a child has a hard time walking down a street without hearing offensive words. For example, there is a man standing on a street corner harassing another person. The child hears profane words used by the man, and from this the child relates anger with profanity. some other example is a woman seen arguing with a cashier using profanity in an attem pt to get her focus, and the child with her begins to believe that to get your way you must cruse. A third example is a waitress having a bad day, and taking it out on the customers the child in the booth following to the customers and the waitress is thinking that this is a proper way to communicate. All of these examples are using improper language for children to hear (Shoeder 72). Parents are then expected to apologize and make excuses for the vocabulary being used by others. Profanity has become uncontrollable and has had a great role in the moral decay of our society. The master(prenominal) goal for parents and government officials should be the regulation of profanity in the United States.Adults are formed through the experiences of their childhood. The way a person acts and speaks is often fit(p) at a young age. When a parent uses profanity, a child whitethorn feel free to also use these words. For instance, a mother may not intentionally use profanity when cutting her finger while in the kitchen. As a result of the mothers action, a child may use the same words when they get hurt (Hochman 29). Parents play a great part in a young persons upbringing so it is not move that children imitate their guardians actions. Growing up without a role model forces a child to look for other sources to imitate. Television has role models for children to admire most of them are not beneficial for children.

EPA’s Policy of Superfund Sites Redevelopment into Recreational Facilit

EPAs Policy of Superfund Sites Redevelopment into Recreational Facilities The Success of Chisman creekIntroductionSuperfund sites are located all across the linked States and its territories. These sites have been deemed the worst of the worst in terms of environmental damage they pose a threat to human health and the environment, prior to their remediation. Superfund sites are normally a result of several years of contamination however, there are some instances when they are one-time accidents. United States environmental Protection Agency (EPA) is in wind up of Superfund, which is the common term for Comprehensive Environmental Response, Compensation, and Liability Act (CERCLA) and the enforcement of this law in the United States. Superfund was passed in 1980 to establish enforcement surrounding contamination sites in the U.S. and their cleanup. EPA has settle up several initiatives and policies that deal with the remediation and redevelopment of these sites. EPA focuses their remediation policies on turning these sites back into productive and useful areas for the community, whether that reuse is residential, commercial, industrial, or recreational use. Chisman Creek Superfund Site in Virginia was chosen as a site that could be successfully remediated into a recreational facility and serve as an example for other site remediation policy makers. The process by which this contaminated old landfill was redeveloped into a phenomenal recreational facility is an example of EPA successfully pulling unneurotic several issues and actors to achieve their agenda. IssuesSuperfund sites could have many different contaminations and remediation characteristics. The characterization of the site should strongly correlate with... ...ncy and Remedial Responses, Reuse of CERCLA Landfill and Containment Sites, OSWER 9375.3-05P, September 1999.EPA, Office of apprehension and Remedial Responses, Returning Superfund Sites To Productive Use, OSWER 9378.0-16FS, March 1999.EPA , Office of Emergency and Remedial Responses, Chisman Creek, York County, Virginia Technical Appendix, OSWER 9378.0-16FS, March 1999. WWW.EPA.GOV/oerrpage/superfund/programs/recycle/benefits.htmWWW.EPA.GOV/oerrpage/superfund/programs/recycle/bensum.htmWWW.EPA.GOV/oerrpage/superfund/programs/recycle/recycle.htmWWW.EPA.GOV/oerrpage/superfund/programs/recycle/list170.htmColvin, George H., RCRA Cleanup Reforms, Environmental Protection, February 2000.Bolitzer, B and N. R. Netusil, The Impact of open spaces on property values in Portland, Oregon, Journal of Environmental Management, 59, 185-193, 2000.

The Current Situation at AcuScan Essay -- Business Management Budget C

The Current Situation at AcuScan This memorandum reports on the real land site at AcuScan regarding the short-term work out crisis and development of the iScanner for use in the retail setting. It will summarize the situation, discussing key points in the decision-making process and recommending actions that can be taken to address the problems described. The underlying problem is we have failed to continuously improve foodstuff mete out through the development of new products. The overall 40% market share is declining. The company faces declining revenues because the price of the iScanner has dropped as it becomes a market commodity. AcuScan, despite making tremendous cost-cutting efforts (letting go 500 employees) is still in a short-term budget crisis. To recapture our pos... The Current Situation at AcuScan Essay -- Business Management Budget CThe Current Situation at AcuScan This memorandum reports on the current situation at AcuScan regarding the short-term budget crisis and development of the iScanner for use in the retail setting. It will summarize the situation, discussing key points in the decision-making process and recommending actions that can be taken to address the problems described. The underlying problem is we have failed to continuously improve market share through the development of new products. The overall 40% market share is declining. The company faces declining revenues because the price of the iScanner has dropped as it becomes a market commodity. AcuScan, despite making tremendous cost-cutting efforts (letting go 500 employees) is still in a short-term budget crisis. To recapture our pos...

The iMac: An Apple innovation Essay -- essays research papers fc

The iMac An Apple innovationApple was definitely thinking different when it created the new addition to the Macintosh family, the iMac. Its creative design and gratifying departure from the computer industry standard of boring beige boxes is gaining this marvel many optimistic reviews. This new personal computer, which is pronounced eye-Mac the i stands for Internet, combines the computer and the supervise in one unit making it, in effect, an updated version of the original one-piece Macintosh. That makes the iMac ideal for people who want to conserve desk space. The iMac looks differentThe iMac is housed in a translucent, two-tone plastic case that is aqua and white. Apples industrial designers describe the glossarys as Bondi Blue and Ice. The iMacs chief industrial designer, a tender Zealander, said the diaphanous blue-green color reminded him of the water off Bondi Beach near Sydney, Australia. Although Apple executives first discouraged speculation about alternative color sc hemes for the iMac, the company later succumbed to the popular demand by adding four new flavors, grape, lime tangerine, and strawberry. The mouse, the keyboard and even the power cable are translucent, too. The mouse is esthetically please to the eye, but its slippery hockey puck shape has ergonomists shaking their heads. The iMacs mouse is perfectly round and 3 inches in diameter by 1 inch thick, compared with Apples standard 4-inch-by-2 -inch mouse. Because its shape and size make it ...

Problems and Prospects of MIS in Bangladesh Essay

Dear Sir,I would like to thank you for assigning us this subject to deposit the report. This task has checkn me the prospect to explore one of the most valuable aspects of the MIS field which is its purpose in the SME activities. The topic of our assignment is Problems and Prospects of MIS in Bangladesh which contains a comprehensive content on the dwarfish and medium enterprise activities in BRAC blaspheme, capital of Bangladesh swan and Mer butttile Bank particular(a). It was a great pleasure for me to work on the above-mentioned subject. I act my best to put meticulous effort for the preparation of this assignment. Any shortcomings or flaw may arise as I am very(prenominal) oft clips novice in this aspect. I would be grateful if you consider those from excusable manner. I will wholeheartedly welcome any clarification and suggestion well-nigh any view and creationion disseminated in my assignment.Sincerely yours,AcknowledgementAll praises to al kingy Allah who has cr eated us and has given us opportunities and strength to work with people.This report might never excite been completed without the necessary practical knowledge, assistance of many books, articles, websites, and immemorial data. It enhanced our knowledge on SME activities of varied banks as well as the problems of utiliseing MIS in those banks. Thanks to all those persons, who have assisted me, providing me co- act, books and articles.I would like to extinguish my special gratitude to our Sir, Rahimullah Miah for his supervision, co-operation and advises.The members of BRAC Bank, capital of Bangladesh Bank and Mer behindtile Bank management were very co-operative and helpful. They helped me through providing various data, guidance and direction. I am also grateful to all other employees of SME Reconciliation Department for their support and assistance.I would like to express my gratitude to all the people that were involved both directly and indirectly in the preparation of thi s report. I apologize to the people whose names that I have non mentioned, and their contribution is steeply appreciated by me.Objectives of the studyThe broad objective of this study includes the following* To have a clear understanding close to the concept of SME ( beautiful & mediumEnterprises)* To know how SMEs work and plump in Bangladesh* To highlight the use and implementation of MIS (Management Information Systems) inthe field of SME* To know and compargon how disparate banks operate SME banking operation around the country though their extensive networks* To articulate major problems and challenges for implementing MIS in the SME welkinLimitations of the studyThe study has suffered from a snatch of boundaryations * unlessional time is a big constraint for this research. The topic of this report is vast in comp bed to the given time * More relevant data and culture could not be collected due to non-availability of sufficient books and journals. Information in we bsites of banks is also insufficient. * Current and detail study slightly various SME empyreans could not be found * data from different banks is highly confidential for the exterior people and glide path to softw ar is not provided * Being females, we found many difficulties to gather necessary data and to prep ar this reportMethodologyMethodology is the process or system through which a study is being carried out for the purpose of collection of information that is indispensable for reaching a conclusion on that study. In our study, information has been collected by apply multiple tools. Much necessary information has been collected by from the personal observation and one to one discussion with the relevant officials. A questionnaire was designed to collect information on the use of SME brings, access to SME credit facilities and revenue-expenditure of the enterprises. rivet Group Discussions (FGD) were used to become a broader view of the business environment for SMEs , their major drawbacks, labor grocery mechanisms, demand for other complimentary emoluments, the strengths and weaknesses of SME portions of different banks and a comparison with other players providing similar services. Complimentary information on indirect employment generation, governance problems and the costs of operation for SMEs was put together from psyche case studies pointed at the branch offices of different banks that offer only SME credit services. Three practical banks, named BRAC Bank, capital of Bangladesh Bank and Mer pottytile Bank Ltd were selected as model banks purposively considering the amount of loan size, interest rate, loan continue stipends, period of loans, mode of finance and management. Policies relating to SME finance such(prenominal) as fiscal policy, monetary policy and knowledgeable policies of these banks were examined thoroughly with a view to find out the influence of existing policies on SME funding. Trend and pattern of bank financ ing to SME was analyzed by classifying the financing in terms of areas, rate of interest, shells, category, and banks. The total methodology of the report is shown below for better clarity and easier understanding through hunt downchart construction.Figure 1 The strike chart constructionPrimary data collectionPrimary data of this assignment has been collected fromBranch Manager & Second Officer of different banks. instance to face conversation with SME department employees and staffs of different banks. Face to face conversation with clients of SME loans.Secondary data collectionSecondary data of this assignment has been collected from yearbook Reports and published fiscal statements of BRAC Bank, Standard Chartered Bank and Shahjalal Islamic Bank curb. Various prescribed forms of bank investment in SME Different Research stem regarding SMEs, Different Publications on SMEs of different banksDifferent text books, brochures, leaflets, files, research papers & materials. Official website of the three banksData AnalysisThe whole report is being nimble with the help of different computer applications such as MS Word, MS Excel, MS Access and MS PowerPoint.Data CompilationThe data required for this study were collected from both primary and secondary sources however, majority of the information was collected from secondary sources. These two methods are discussed below-Chapter One1.1 IntroductionToday it is widely know that information systems knowledge is essential for managers as most makeups need information systems to survive and prosper. An information system has many applications, MIS is one of them. Management information systems (MIS) is a specific category of information system that provides the required information to the management on a regular basis. It lot be delineate as salt away and processing of raw data into useful information and its dissemination to the user in the required format. In fact a full MIS includes all the systems that are de signed to furnish management with information to assist in making decisions and to manage organizations efficiently and effectively. Today, the term MIS is used broadly in a number of contexts and includes decision support systems, alternative and people management applications, enterprise resource planning (ERP), enterprise performance management (EPM), supply chain management (SCM), guest relationship management (CRM), meet management and database retrieval applications. In Bangladesh, the use of MIS in different organizations can be evidently found. However we will give our special focus on the minor(ip) and medium enterprises. First of all, we need to know what is meant by an SME. An SME is defined as, A firm managed in a modify way by its owners or partners, which has only a low-pitched share of its grocery store and is not sufficiently large to have access to the root commute for raising capital. SMEs ordinarily have few accesses to formal channels of finance and dep endprimarily upon savings of their owners, their families & friends. Consequently, most SMEs are sole proprietorships & partnerships. SMEs can be defined against various criteria. The three parameters that are generally applied by the Government of Bangladesh to define SMEs are Capital investment in jell and machinery tour of workers employed Volume of production or turnover of businessAgain, according to the industrial Policy 1999 (IP- 1999),Small Industries are defined as industrial enterprises employing less than 50 workers and/or having a fixed capital investment of less than Tk.100 gazillion. moderate industry covers enterprises employing between 50 and 99 workers and/or having a fixed capital investment between Tk. 100 and 300 million. Cottage Industry covers household-based industrial units operated mainly with family stabRole of SMEs in BangladeshSMEs are acknowledge as engines of economic growth and employment generation for sustainable industrialization in both gear uped and developing countries of the world. In context of Bangladesh, there is no alternative of small and medium enterprises for rapid industrialization and national economic growth through lower capital investment and employment generation. The commonly sensed merits often emphasized for their promotion especially in a developing country like Bangladesh include their relatively high labour intensity, dependence on indigenous skills and technology, contributions to entrepreneurship ripening and innovativeness and growth of industrial linkages.The case for fostering SME growth in Bangladesh is irrefutable as these industries offer bright prospects for creating large- case employment and income earning opportunities at relatively low cost for the un-and unemployed especially in the rural areas strengthening the efforts towards achieving high and sustained economic growth which are livelyly grandprerequisites for triggering an exit from endemic poverty and socio-economic deprivat ion.SMEs in the economy of BangladeshIn Bangladesh about 90% of the manufacturing and service industries are fallen under SMEs category. SMEs note for about 45% of manufacturing note value addition in Bangladesh. They account for about 80% of industrial employment, about 90% of total industrial units and about 25% of total labour force. Its total contribution to export earnings varies from 75- 80% based on the economic Census 2001-2003 (The New Nation, 2008).According to the Bangladesh Bureau of Statistics, SMEs provide about 44 percent employment of the country. It contributes Tk 14,940 crore (149.40 billion) to the GDP during the fiscal year 2006-07. In some other statistics we find that the total number of SMEs is estimated at 79754 establishments, of which 93.6% are small and 6.4% are medium. The 2003 Private arena Survey estimated that about 6 million little, small, and medium enterprises defined as enterprises with fewer than 100 employees, contributed around 20-25% of G DP (The New Nation, 2008).On the above statistics it is evident that the small business enterprises are very strong in terms of the number and their contributions, thus the overall development of Bangladeshs SMEs are depending largely on the development of small scale enterprises. Higher growth of the SMEs can help eradicate poverty to a satisfactory level by removing various prejudices against labor intensive approach and creating jobs for the skilled manpower.Uses of MIS in SMEMIS can offer small and medium businesses a number of advantages. Today, leading companies and organizations are using information technology as a rivalrous tool to develop new products and services, forge new relationships with suppliers, edge out competitors, and radically channelise their inner operations and organizations. For example, using MIS strategically can help a company to become a market innovator. By providinga unique product or service to meet the needs of customers, a company can raise the cost of market entry for potency competitors and thus gain a warring advantage. Another strategic use of MIS involves forging electronic linkages to customers and suppliers. This can help companies to lock in business and increase switching costs. Finally, it is possible to use MIS to change the overall basis of competition in an industry.For example, in an industry characterized by price wars, a business with a new means of processing customer data may be able to create unique product features that change the basis of competition to differentiation. The successful MIS supports a businesss spacious range plans, providing reports based upon performance digest in areas critical to those plans, with feedback loops that allow for titivation of every aspect of the enterprise, including recruitment and training regimens. MIS not only imply how things are going, but why and where performance is failing to meet the plan. These reports include near-real-time performance of cost centers and projects with detail sufficient for individual accountability. Although SMEs have the potentials, at the quick increasing age of internet, to utilize the newly emerged technology dependent communication and information mediums, in acquiring their competitiveness, the slow rate of adoption is evident. Great opportunities can be created in the SME sector through the operation and usage of different connected technologies, such as computer, internet and other information and communication technologies.In Bangladesh, the development of effective Management Information Systems holds a number of challenges for small and medium businesses. It is not exercised in these businesses although the technology is existent and the Government of the Peoples Republic of Bangladesh has state the information and communication technology as one of the thirst sectors of the country and taken diversified initiatives to motivate different enterprises to be connected and start operation of the technol ogy. The newly elected government of the Peoples Republic of Bangladesh has declared their mission to develop the digital Bangladesh by 2021.On the abovementioned context it is evident that small businesses of our country are slow to apply technology to improve their competitiveness asthey are affected by their sheer small size and limited resourcesProblems of implementing MIS in the SME sectorIn a developing country like Bangladesh, building, operating, and maintaining appropriate Management information systems are challenging for a number of reasons. For example, some information cannot be captured and put into a system. Computers often cannot be programmed to take into account competitor responses to selling tactics or changes in economic conditions, among other things. In addition, the value of information erodes over time, and rapid changes in technology can make systems become obsolete very quickly. Finally, many companies find systems development to be debatable because the services of skilled programmers are at a premium. However, considering the situation of our country, we can summarize these problems in the following points 1) It is not painless to use workable information systems in the small and medium enterprises and to keep the flow of information system in the right way 2) The body of knowledge in MIS is relatively late and scarce. Many of the terms used in MIS environments are unpractical, imprecise and controversial. 3) MIS problems often are not easy to define or structure4) MIS implementation and instalment can be very expensive for small size companies looking to manage their operations more effectively. 5) Properly trained employees are a critical part of an MIS. New employee hiring or employee training related to the MIS function adds to the implementation costs. 6) The online services of MIS are absent in the small and medium enterprises. For example, there is no scope for transferring accounts online or through ATM booth.7) A lack of rapport often exists between MIS personnel and management and also between MIS personnel and users of an organization 8) Once an MIS is created and installed in a company, it may prove to be an inflexible system. Making changes quickly to reflect fluctuating business operations may not be possible depending on the MIS style and functionality. 9) Major business changes will require major changes to the MIS, leading to increased costs and downtime of information reporting. 10) The biggest flaw an MIS canhave is pulling incorrect or inadequate information for management. This problem results in wasted time and money for the small and medium enterprises.SME in banking almost SME ventures in Bangladesh depend on personal savings, family or other informal credit sources. In recognition of this failure of the financial market, attempts have recently been do to cater to it. Financial and development assistance designed specially for small and medium enterprises in Bangladesh is a new a nd upcoming trend. After the surge of micro-finance in the last two decades, small and medium enterprises have come to the limelight in the financial sector on account of their contribution to economy and stock-still limited access to finance. It was not until 2010 that the government and policymakers recognized the importance of providing extensive credit facilities to small and medium sector entrepreneurs to promote various initiatives, especially start-up enterprises as well as ones looking to scale up. The banks and other financial originations, however, have been providing loans to such enterprises for long, though not in the nomenclature of SME support. Both micro-finance institutions and banks are pedigree to realize the potential of this market and designing new financial products for it. Now a days the Small and Medium Enterprise (SME) Financing has become an important area for Commercial Banks in Bangladesh.To align its corporate policy with the regulation of Central B ank, banks have become more engageed about SME and opened windows to conduct business in this extra area. Today, almost all banks and non-bank financial institutions (NBFI) in the country are providing loans to the sector, under different governmental schemes as well as through their own product portfolios. Some specialized financial organizations such as Basic Bank are also providing financial services to the SME sector. Since this separate of the market is relatively underserved, a number of formal financial institutions (e.g. Exim Bank, Islami Bank, NCC Bank) are gradually scaling down and designing financial products for them. In the financial sector reform program of Government of Bangladesh, increased financing for SMEs by banks is a major component. Bangladesh Bank, the national bank, has introduced $16 millionrefinancing scheme to promote lending to SMEs by banks and financial institutions. In January 2005, the bank had agreement with six banks and eight financial institu tions and about 2,000 SMEs have benefited from the scheme upto the end of January (Bangladesh Bank). Small and Medium Enterprise Sector suppuration Programme, a $30 million project of Government of Bangladesh and ADB, is also in progress. However, these initiatives are still quite inadequate. Moreover, being an overlooked market for long, there is lack of knowledge about the clients and their needs reflecting in absence of appropriate lending methodology.Chapter TwoLiterature review* In Bangladesh about 90% of the manufacturing and service industries are fallen under SMEs category. SMEs account for about 45% of manufacturing value addition in Bangladesh. They account for about 80% of industrial employment, about 90% of total industrial units and about 25% of total labour force. Its total contribution to export earnings varies from 75- 80% based on the Economic Census 2001-2003.(The New Nation, 2008).* According to the Bangladesh Bureau of Statistics, SMEs provide about 44 percent e mployment of the country. It contributes Tk 14,940 crore (149.40 billion) to the GDP during the fiscal year 2006-07. In another statistics we find that the total number of SMEs is estimated at 79754 establishments, of which 93.6% are small and 6.4% are medium. The 2003 Private Sector Survey estimated that about 6 million micro, small, and medium enterprises defined as enterprises with fewer than 100 employees, contributed around 20-25% of GDP (The New Nation, 2008).* Today, the term MIS is used broadly in a number of contexts and includes decision support systems, resource and people management applications, enterprise resource planning (ERP), enterprise performance management (EPM), supply chain management (SCM), customer relationship management (CRM),project management and database retrieval applications. Kenneth C. Laudon & Jane P. Laudon.Now in this part, we will discuss about the SME services of three different banks that operate within our country.1) BRAC BankBRAC Bank, being the youngest bank, took a step to break away from usual tradition and tapped into the true suburb entrepreneurial initiatives. Today, with over 14,500 crores of loans disbursed till date, BRAC Bank is countrys largest SME financier that has do more than 320,000 dreams come true.SME Products of BRAC BankName of BankProduct lend sizeBRAC BankPrapti accountAny institution can open this account in the name of the Institution Opening balance only BDT. 10,000.00 & BDT. 5000Anonno RinFrom BDT 3 lac to BDT 9.5 lacProthoma RinFrom minimum BDT 3 lac up to level best of BDT 9.5 lacDigoon RinMinimum of 5 lac to maximum of 30 lac BDTApurbo RinStarting from BDT 8 lac to maximum of BDT 30 lacPathshala RinMinimum BDT 3 lac to maximum BDT 30 lacAroggo RinMinimum of 3 lac to maximum of 30 lacAnonno Rin This is a small scale loan designed to finance small scale trading, manufacturing and service ventures, especially to aid the purchase of fixed assets and to finance work capital. Eligibilityentrep reneurs aged between 18 to 60 yearsEntrepreneurs with minimum 2 years experience in the alike line of businessA business which must be a going- fill with more than 1 year in operation upper limit AmountFrom minimum BDT 3 lac up to maximum of BDT 8 lac FeaturesLoan without mortgageFor splendiferous borrowers who have paid or paying in due times, we offer discounted ratesQuick, quality banking throughout the countryPotential women entrepreneurs will also get the facilities of this loanApurbo Rin In order to help our SME borrowers for financing working capital or to purchase fixed assets, BRAC Bank offers APURBO. It caters to the need of entrepreneurs who are operating in trading, manufacturing, service, agriculture, non-farm activities, agro- based industries and other sectors of our economy. EligibilityEntrepreneurs having a minimum of 3 years of some business activitiesA business which must be a going concern for 3 yearsAge minimum 25 years and maximum up to 60 years uttermost Am ountStarting from BDT 8 lac to maximum of BDT 30 lac FeaturesWithout mortgage loan below 10 lacSimple loan processing for expanding your businessQuick disbursementDisbursement in one or two installment pliable monthly repayment loanPathshala Rin This is a loan designed to meet the needs of small and medium sized common soldier educational institutions, such as kindergartens, schools and colleges etc. EligibilityA small & medium educational institute that is in operation for minimum 3 yearsThe institution should be sole proprietorship, partnership, private limited company or societyThe educational institute must be a profit making concernMaximum AmountMinimum BDT 3 lac to maximum BDT 30 lacFeaturesWithout mortgage for loan below 10 lacLaon for fixed assets purchase & civil constructionLoan repayment can be spread up to 4 yearsMinimum doctorumentationMonthly repayment loanQuick disbursementFlexible interest rate based on security Aroggo Rin This loan is suitable for private clinics, diagnostics centers and doctors chambers to purchase fixed assets under equated monthly installments. EligibilityInstitutions with at least 2 years in operation & profit making concernDoctors having 5 years of experience Maximum AmountMinimum of 3 lac to maximum of 30 lacFeaturesLoan without mortgage up to 8 lacEasy loan processingLoan repayment schedule is spread up to 3 years1% loan processing feeFlexible interest rate based on securityDigoon Rin It is a loan facility for Small and Medium enterprise. This products main objective is to help various Small and Medium entrepreneurs to meet their short-study cash flow shortages or bridge the fund-flow gaps. EligibilityEntrepreneur having minimum 2 years of business activitieshe business which must be going concern for 2 yearsAged between 18 years to 55 years Maximum AmountMinimum of 5 lac to maximum of 30 lac BDT FeaturesDouble amount of loan on your deposit spellbinding return against the depositFlexible repayment plan monthly instal lment and single installmentsQuick disbursementHighlights of SME Banking Division of BRAC BankNumber of Unit offices 429Number of Staff 2,104No of Loan disbursed (cumulative) 202,101Cumulative Disbursement (in million BDT) 84,170.31No. of outstanding Account 120,685Portfolio in amount (in million BDT) 32,996.18Amount of Deposit (in million BDT) 3,352.6No of SME Sales & service Center 30Sector wise Distribution of SMEs2) Dhaka Bank LtdSince inception, the Dhaka Bank has held socio-economic development in high esteem and was among the first to recognize the potentials of SMEs.Dhaka Banks InvolvementRecognizing the SME segments value additions and employment generation capabilities quite early, the Bank has pioneered SME financing in Bangladesh in 2003, focusing on stimulating the manufacturing sector and actively promoting trading and service businesses.Story of a successful Branch in SME FinancingThe Bank started branch operations at Belkuchi Sirajgonj in April 2003. Prior to the Ban ks intervention, the weaving community did not have the financial strength to stock their products till Eid ul Fitr when the annual sale takes place. Traders were taking advantage to the situation by buying up entire productions at low prices and liquidating stocks just before Eid. With financial services from Dhaka Bank Limited, the weavers have converted to power looms, significantly increased profitability and reduced the involvement of middlemen. The bank is now working on institutionalizing the learnings and applying them in other areas across Bangladesh, particularly in textiles, light engineering and other manufacturing clusters. Already it has identified several clusters and is working on improving access to finance within these clusters.Experience & LearningsA problem behind the lower end of the SME sector of Dhaka Bank is that it is unable to fully understand its needs. make up if these needs are understood,they are seldom met with the right product mix. Small business ow ners are unable to provide banks with required information of the right type and quality. This has created a gap between the borrower and the banks and has served to limit the outreach of SME financial products. In order to overcome this obstacle, Dhaka Bank SME Unit provides comprehensive support to prospective clients in evaluating their business and preparing the required documents in acceptable formats. In this regard, the Dhaka Bank SME Unit has been working in close collaboration with the USAID, the South Asia Enterprise Development Facility (SEDF) an International Finance Corporation (IFC) managed multidonor facility and the World Bank. The bank has recently been provided technical assistance by the World Bank and is also working with other development agencies and donors for continuous improvements in the products and services it offers.SME Transactions of Dhaka BankProductCash CreditEligibilityAll SME businesses where the key personnel have 2 years experience in the line of business. Satisfactory credit reportMethod of AppraisalThe clients business experience, expertness, business volumes and monthly cash flow are used in the assessment process. Margins (indicative)The quality of receivables would be of importance in fixing margins up to which working capital is made available. TenorMaximum 12 months (renewable)Pricing gamble based pricing strategy, in line with the market rates.SecurityPrimary Charge on the inventory and receivables. Charge on other current assets Personal guarantee of proprietor /partners/ directors. Charge on fixedassets.Secondary Collateral security on a case-to-case basis.Interest dogged Rate, typically for 12 months.ReviewFacility terms & pricing are both reviewed at least annually Processing feeProcessing fee of 1% is generally charged on small loans. Actual fee charged is determined on a case-to-case basis.3) Mercantile Bank Ltd Mercantile Bank Limited provides Small and Medium Enterprise (SME) loan facilities to experienced and inexperienced entrepreneurs located in the urban and sub-urban areas to encourage new and educated young entrepreneurs to tackle productive ventures, to assist them to take part in the economic activities. A special credit scheme under the name and style Small and Medium Enterprise (SME) Scheme has been introduced to extend credit facilities to the small and medium entrepreneurs of the country. Its SME products areCHAKA (Term Loan).ANANYA (Women Entrepreneurs Loan).CHALTI MULDHAN (Continuous Loan).SINGLE PAYMENT LOAN (Short Term seasonal Loan)SubjectSME ProductsCHAKAANANYACHALTI MULDHANSINGLE PAYMENT LOANSizeTk 0.50 -50.00 lac for SETk 0.50 -50.00 lac for SETk 0.50 -50.00 lac for SETk 0.50 -50.00 lac for SE & METk 0.50 -500.00 lac for METk 0.50 -500.00 lac for MESegmentSE & MESESE & MESE & ME kick upstairs1 5 years1 5 years1 yearMaximum 9 monthsGrace periodMaximum 6 monthsMaximum 6 months for term loanNilN/AInterest rate13%-15% p.a applicable as per mode of financing.10% p.a 13% p.a15% p.aPenal interest1 % higher on overdue amount1 % higher over the usual rate on overdue amount.2 % higher on overdue amount.1 % higher on overdue amount.RepaymentEMI or at lum sum on or before demise as applicableEMI or at lum sum on or before expiry as applicableAt lum sum on or before expiryAt lum sum on or before expirySecurityPG, Cheques plus others as applicablePG, Cheques plus others as applicablePG, Cheques plus others as applicablePG, Cheques plus others as applicableSME = Small & Medium EnterpriseSE=Small EnterpriseME=Medium EnterpriseEMI= affect Monthly Installment PG = Personal GuaranteeRepayment of Loan1. Term Loan Maximum 60 installments.2. Working Capital Maximum 12 installments, 40% of the loan amount should be recovered within 1st 6 months and remaining 60% should be recovered within next 6 months. At maturity the loan will be fully adjusted. After repayment of 75% of the loan the customer may apply for new credit facility. woof of Borrower1. Small and med ium enterprise financing, like other credit facilities must be subject to the Banks management process setup for this particular business. The process may include, identifying source of repayment and assessing customers ability to repay, expected future cash flows, his/her past dealings with the bank, the net worth and information from CIB. The bank must identify the key drivers of their borrowers business, the key risks to their business.2. At the time of sanctioning facility under various modes of SME financing, a written declaration shall be obtained from the borrower disclosing detailsof various facilities already obtained from other institutions to ensure that the total exposure in relation to the repayment capacity of the customer does not exceed the bonnie limits as laid down in the approved policies of the bank as well as to help avoid exposure having multiple facilities. 3. Age limit The age of the proprietor / partners / directors must range between 21 years to 60 years.F ees and Charges of SME Financing1. Interest Rate 15% (for women entrepreneur 10%)2. Risk Fund 1%3. Service charge 1%4. Application Fee Tk. 200.005. Loan Processing Fee Tk. 500.00Limit for LoanMaximum Limit for small enterprises is Tk. 20.00 lac (Term loan and Working Capital) and Medium Enterprises is Tk. 50.00 lac (Term Loan and Working Capital).ATM Booth and SME Service nerve centerThe bank serves the customers by providing ATM Booth and SME Service Centre facilities. A number of ATM Booths and SME Service centers have been unlocked at different commercially significant places of the country to serve the customers, to save their time, consequently, to make them drop off from hassle. Target Segments for SME Financing1. Hospitals and Clinics2. It related business3.Agricultural and AgriculturalDevelopment items4.Fishing and fishing businesspromotion5.Transportation and Communication6.Forestry and furniture7.Construction business and housing development8.Leather marketing and leathe r goods9.Knitwear and ready made garments10.Plastic and other synthetics11.Entertainment12.Photography13.Hotel and tourism14.Warehouse and container services15.Printing and packaging16.Gunning and Bailing17.Pathological Laboratories18.Cold Storage19.Horticulture- Flower growing and Marketing20.Food and oil processing plants21.Higher education and expertiseknowledge society22.Telecommunication3.22. Portfolio of SME LoanSectorAmount% of total disbursementManufacturing44,584,7845.05%Service57,562,9286.52%Trading780,719,28888.43%Total disbursement882,867,0001000%From this above diagram we can say that, of SME loan mercantile bank give more preference in trading sector but they can finance over manufacturing and service sector to expand service and Manufacturing sector. Manufacturing sector is very important for a country to improve economic growth and as well as service generation and create employment.Chapter ThreeResult and DiscussionIn this part, we will make a comparison of the SME activities of the three selected banks as shown belowComparative analysis of SME loans of three different banksThe banks for comparative analysis have been chosen in the basis of the following criterion * Loan SizeBRAC Bank LimitedDhaka Bank LimitedMercantile bank Limited3lac 30 lac1 lac- 50 lac2lac 50 lacAmong the banks, Mercantile bank offers the highest loan amount to customer where as BRAC Bank offers the lowest loan to its customer.* Rate of InterestBRAC Bank LimitedDhaka Bank LimitedMercantile bank Limited15%17%15%In terms of interest rate, Mercantile bank and BRAC bank offer the lower rate of interest to its customers. The highest rate is charged by Dhaka bank limited.* Loan Processing FeeBRAC Bank LimitedDhaka Bank LimitedMercantile bank Limited0.50% of the loan amount unaffixedTK 500.00The BRAC Bank limited only charges .50% as loan processing and Mercantile Bank charges TK. 500 for loan processing.* Period of loanBRAC Bank LimitedDhaka Bank LimitedMercantile bank Limited 1 year to 3 years1 year to 3 yearsUpto 2-5 yearsAmong the banks, the highest loan maturity date is offered by Mercantile bank Limited.* vogue of FinanceBRAC Bank LimitedDhaka Bank LimitedMercantile bank LimitedOnly Term loanTerm loan and working capital loanOnly Term loanAll the banks provide SME financing facilities but do not provide long term loan to its customers. Among the banks Dhaka bank provides both term loan and working capital loan to their customer. some other banks provide only term loan to its customers.Portfolio size of different banks in SME sectorname of BankPortfolio SizeBRAC Bank Limited25.72Dhaka Bank Limited18.00Mercantile Bank Limited16.38From the table we can see that BRAC bank has the highest investment in the SME sector.Overall Comparison of three banksParticularsBRAC Bank LimitedDhaka Bank LimitedMercantile Bank LimitedLoan size3lac-30lac1ac-50lac2lac-50lacRate of interest15% p.a17% p.a15% p.aLoan processing fee.50% of the loan amountTK 500Risk fund1%-2% of loan amount1%of loan amountSupervision fee1%-2% of loan amount1%of loan amountUtilization fee1.5% quarterlyPeriod of loan1yr 3 yr1yr 3 yrUpto 2-5 yrsMode of financeTerm loanOnly term loanTerm loan as well as working capitalSecurityprimaryPersonal guaranteePersonal guaranteePersonal guaranteesecondaryUpto 8 lac collateral free & above 8 lac collateral is mandatory Upto 5 lac collateral free(case to case above 5 lac and collateral mandatory )Above 10.00 Lac Collateral security mandatoryTable Comparative analysis of SME loan of different bankComparative performance analysis of SME loan of different banksPerformanceBRAC Bank LimitedDhaka Bank LimitedMercantile Bank LimitedYear of operation200920092009Disbursement950crore115.72crore127.70croreRate of recover92%87%87%From the above analysis and findings of the study, it is obvious that there is a lot of market potential for Mercantile Bank Limited in SME loan. As we came to know from the analysis that BRAC bank is the most dominant p layer in the market and except BRAC bank other players are more or less similar category. But since the market yields a high growth potential and BRAC bank having elemental infrastructure and a larger customer base it is very difficult for the other bank to cope with BRAC bank unless they build some alliances to develop such infrastructure to serve the client at better service. Initially, it will require a huge concentration, but the bank is financially sound to incur such amount of investment in new line of business. Other than the investment Mercantile Bank Limited should improve their credit facilities, customer service, and add benignant features to the product to attract every class of people.Chapter FourRecommendationsConsidering the existing situation, the following suggestions are put forward for present and future sustainability of the Management Information Systems in the SME sectors of Bangladesh* The modern computer technologies should be used appropriately to develop the Small & Medium Enterprises of the country * Information systems designers, whether internal to the company or part of an outside firm should assure the technical quality of the MIS system and the ease of the user interface. * System designers must oversee the process of system design and implementation, assess the impact of the new system on the organization, and develop ways to protect the system from abuse after it is installed. * Small business owners and managers must plan what type of MIS systems to implement and to ensure that the underlying data are accurate and useful. * Selection, acquisition and application of the appropriate technology should be ensured that would enable production of goods of competitive quality and competitive price, maintaining optimum productivity, while environmentallynot injurious.* People of our country should be provided with adequate education, training skill and technical knowledge of the field of MIS so that they are unable to implement it in the SME sector.* Better and improved MIS facilities must be provided in the SME sector* SME Loan sanctioning and disbursement procedure should be easy and flexible being considered the requirements of different classes of people.* Bottlenecks or barriers should be removed by taking advanced steps in mode of disbursement, charge documents and approval process.* stage business Power for sanctioning loans and advances can be increased at branch level.* The use of MIS should be extended to the rural areas of our country.* The Government of the country should ensure the use and implementation of MIS technology in order to develop the SME sector* More SME service centers need to be added to fully take the advantage of the huge potential customer segments.ConclusionIn the conclusion, we can state that, SME is the most emerging sector to expand the scientific and technological capabilities of an organization. However such SMEs should be equipt with better computer facilities and impleme ntation strategies like the MIS.The opportunities of using the appropriate Management Information Systems are not sufficient considering the small and medium enterprises of our country. Many small and medium enterprises are using this technology, but the scopeis very limited. It is thus very clear that MIS development should proceed hand in hand with micro enterprise development.It is interesting to observe that the conditions for small industry development that we find today, being at the threshold of total globalization, are very much the same as observed several-decades ago. In spite of the criticism and neglect of the SME sector on the grounds of inefficiency and non-optimal use of productive factors compared to larger industries, SMEs are beginning to be extolled for their greater dependence on labour-intensive production techniques, lower requirements of imported inputs and better geographical dispersion.So, proper initiatives should be taken in order to develop the flow of Ma nagement information system it the small and medium enterprises of our country.References1. Laudon, K., & Laudon, J. (2010). Management Information Systems- Managing the Digital Firm, 11th Edition. Prentice Hall/CourseSmart, 12/30/2008.)2. Hossain, N. (1998), Constraints to SME development in Bangladesh), Jobs project, USAID 3. Meagher, P (1998), Secured Finance for SMEs in Bangladesh, Jobs project, USAID 4. Ahmed, Z. U. (1999), Problems of Access to Credit for Small and Medium Enterprises in Bangladesh, Jobs project, USAID 5. Baldwin, J. and Picot, G. (1994), Employment Generation by Small Producers in Canadian Manufacturing Sector, Journal for Small Business Economics 6. CPD (2003), Industrial Policy, Privatization and SME, National Policy Review Forum, Centre for Policy Dialogue, Bangladesh 7. SEAF (2004), The Development Impact of Small and Medium Enterprises Lessons Learned from SEAF Investment, Small Enterprise Assistance Fund, Washington.Websites1. http//www.answers.com/topic /management-information-systemixzz1fXXQa1Ro 2. www.bssrcbd.org//BANGLADESH%20INSTITUTE%20OF%20MANAGEMEN. 3. www.sap.hokkyodai.ac.jp/otu/neelima-bangladesh.pdf4. www.datasoft-bd.com/services_mis_solution.htm5. wiki.answers.com//Separate_MIS_department_in_Bangladesh_and_their_activities 6. www.bangladeshstudent.com/showthread.php?p=3 7. www.eaward.org.bd/award/index.php?option8. www.sa-dhan.net/Adls//MIS/MISIssueschallenges.pdf 9. www.univdhaka.edu//facultymemberdetail.php?fmmis91025mis 10. www.cacci.org.tw/Journal//SMEs%20in%20Bangladesh.pdf11. www.smef.org.bd/12. www.nextbillion.net//bangladesh-bank-report-finds-smes-can-curb-poverty 13. wiki.answers.com//Problems_of_SME_in_Bangladesh14. www.loanbd.com/Sme.html15. www.tmcnet.com//-bangladesh-sme-foundation/4135674.htm 16. www.wiki.answers.com/Q/What_are_the_barriers_of_implementing_MIS_inbangladesh 17. http//www.scribd.com/doc/53648930/BRAC-SME18. http//www.scribd.com/doc/62738514/BRAC- Bank-Internee-Report 19. http//www.scribd.com/ doc/16733174/Case-Study-on-SME-Banking 20. http//www.scribd.com/doc/16892284/Case-Study-on-SME-Banking-Dhaka-BANK

Ib Math Sl Type 1

Purpose of Investigation The purpose of this investigation is to find out the general tr ceases of the Olympic currency medal height each time the showcase is held. It also could be used to predict the next amber medal height in the upcoming Olympic events. We could know as well what functions contribute be used to plot the graphs. People could also analyze the pattern of rise or come in height of the taking height in the Olympic game. This investigation also allows future participants to find out information about previous gold medal heights and can make them easier to set targets for their performance in the Olympic Games. a. b.The function I used for constructing this graph is Gaussian. Because from the list of functions in the graph-constructing program, the Gaussian function is the most accurate shape when plotted according to the data given which is the statistics of height of gold medalist for mens high move in the Olympic. The technology I used to plot all the graphs i s Logger Pro 3. 50. c. The difference is not significant after I adjust it. It can be seen from the graph itself that the shape of it is also similar. The limitation is that it is plotted on a lower values compared to the original and so it couldnt reach the 1980 plant like the original graph. . With the technology I used, the function I find to have a similar shape is the cubic function which is the red line. thither are some period that the cubic function has a higher value. Also there are some points where the two graphs meet. But in the end the cubic is lower than the original and couldnt reach the 1980 mark. e. According to the original graph, if in the socio-economic class 1940 and 1944, the estimated height will be 198. 2 and 199. 6 respectively. f. Estimated winning heights in 2984 and 2016 are 235 and 241 respectively. From the data, the winning height generally tends to rise from year to year the Olympic is held.The estimated winning heights are obtained from the graph u ntil the year of 2016. g. My model fits well with the additional data. However, there are some points that the graph doesnt reach according to the additional data given. h. The overall trend from 1896 up to 2008 is that the gold medal height rises from year to year, although there are some years that the gold medal height fall compared to the previous Olympic event which are in the years 1896 to 1904, 1936 to 1948, 1968 to 1972, 1988 to 1992, and 1996 to 2000. i. No modifications are required are needed to fit my model into the new data.

My Autobiography

My Autobiography NameJasmin Ariane A. V completelyo SecIV Mendelssohn My name is Jasmin Ariane Arciga V both(prenominal)(prenominal)o. I am 15 days gray- toped. I am from Philippines. My natal day is on February 9th, 1997. I eat up in my family my Younger comrade, My Mom & My Dad.. My Fathers Name is greenhorn G. Vallo and He is a Musician in Shenzhen, China. And My Mothers Name is Mary-Ann A. Vallo and she is The unity whos With us. In my conduct I have got bad and exhaustively experiences, but a fantastic life overall. These experiences help me to be happy, and I l pull in from them every day of my life.As a typical Filipina girl, I have dark-brown eyes, brown skin complexion, dark hair and a height ab turn step forward 50 tall. I am a persistent kind of person, erstwhile I have a dream I will do all my best to achieve it. I started kindergarten when I was 4 geezerhood white-haired and I finished it at 6 years one-time(a). In the kindergarten, I had very good t imes. in that location I made my low good friends in all my life, and I opine them for the games that we good turned together. Later, I started elementary school when I was 6 years old at Dau Central Elementary School.I think of school very well, because at first I was so scared of my new environment. I made friends there and I standardisedd to study, do my homework, interpret with my friends, and talk with them a rip cartoons on television. In fact, I really enjoyed this time in my childhood. I finished elementary school when I was 12 years old. I was ready to go to gamey school to learn new things and make new friends there. afterward elementary school, I went to high school at School of the Infant Jesus. It was bigger and had more students than elementary school.There I had more teachers than I had before. My new friends were very friendly and more or less(prenominal) of them were shy, especially the girls. But Im with my elementary friend so it is not hard for me to a djust because Im with a close friend. When I was studying in high school, I went to all the activities there. In particular, I liked most the dancing and games activities, because I could spend more time with my friends. I really like to remember these moments from high school because I learned a lot. And about my friends, we are very good friends.I remember these happy moments with them and we laugh about it. And now Im in 4th year and in a few months Ill finish my high school. But Im Still heart-to-heart on what Program Ill take. But ill promise that I could reach my goal by studying hard and not way out out with my friends too a good deal. My favorite sport is volleyball. When I dont have anything to do, I love to surf the net, open my mail, facebook, instagram, & twitter. Then watch effdy, romantic, and villainy movies in Tom365. com. I can play some musical instruments like guitar, piano & flute.But I mostly loved to play Guitar. My first guitar was attached by my F ather, it is color pink and its body is sparkling & shimmering because of its Glitters. And I also like hanging out with my friends. All my success and trialsare see with me. Until I graduatein my Program that I will going to take. I have many plans in my life, when the time was comeIll learn a job and Ill help my parents. Because I want to repay those hard works and sacrifices that they did just to make us happy and to finish our studies. And thats the short story about my lifeMy AutobiographyIt all started nearly fifteen years ago, in a little industry town call backed Wigan, in a hospital called Billinge, when a 35 yr old woman gave birth to a baby boy called Shaun Graham weighing in at 6lb 4oz. in one gaffe born, he had to go straight into an incubator. He therefore(prenominal) went home to live his life for the next 15 yrs in an area called Gidlow and street Gidlow Lane. Once he got home he lived his life in the analogous house for 15 years. So here I am now to tell y ou the travel of me Shaun Graham for the best of my 15 years. Youll get the ups, the wins, the achievements and the disappointments.One of the chief(prenominal) parts of my life would be my backg turning. My soda is originally from Scotland a bad area called Grangemouth he lived in a flat with his tacit Dad and brother Ian. His mum died when my Dad was seventeen. Thats when my Dad started to hate his Dad. This was because his Dad wouldnt have a head careen on his Mums grave. My Dad then went on holiday to Blackpool where he met my Mum. Her life is a completely different story. Her Dad came from Ireland, Cork. They lived their life in a expert area called Standish Lower Ground.Her Dad died on my Mums 6th birthday and her mum died not so long ago 24/2/2003. Once the cardinal got married on 5/2/1983 and moved to the accredited area that we still live now Gidlow. Its not the nicest of places but its half decent. They gave Birth to Michelle 1 year on, and then another year on Ma rie was on her stylus. They lived together for four years then the best news ever was that I was on the track. All my mum ever cherished for four years was a boy and then thats what she got. People have told me as a child I was quite stupid just tally around and running into everything like cupboards and lamp posts.Theres one time when my shoes got to big for me as a baby. So my Mum took me to get some more, but the size up was way 2 big for my feet, my Mum looked at them and little did she know it I had pushed two dummies in them. Everyone says I was an active child but also was a very moody one too. It only took me 9 month to learn to walk. As I grew up to a thin child I started then to like sports, didnt know the rules just liked playing on my local field, Gidlow field. The more I grew the more active I became and the less moody I got which was described as a miracle by my family.From my families earliest memories of me, to mine. Well this wont be in order of age or importan ce, just order as it comes to my head. First of all is my first ever football match. It was at Standish strikers a 6-a-side league. I play for Roma and this is where I found out I was going to be a goalkeeper. We lost that game 2-1 but I kept us in the game. The next memory has to be the time when Joseph and I apply go to play school, I used always have the bike and Joseph the car we would play in them, all day 7 days a week.When I was in year five at Sacred Heart, I cracked my head open on some metal bars, Mrs Birchall cannonball along me to A&E, I waited in the waiting area for about 1 hour talking to a man who had exiten attain some ladders. We both got called in at the analogous time, all I needed to have in my head was some glue, which later came off in 4 days. The cut did see a scar for live though. Ive had a few special events. They vary from athletics to funerals. scrofulous start with the sad news first, it was a school day Friday 28th 2003 the big day for the graham household as it was my Grandmas funeral.We waited and waited for the cars to pull up 2 take us to the church quite a little in ominous all crying because a popular member of the family had gone. The cars pulled up, mum, dad, Marie, Michelle and I all in the first car looking at onto the car which held the coffin surrounded in flowers. In the second and last car were my aunties and cousins, it was all tears as we went past the old folks home my Grandma had spent 7 yrs of her life their. As we approached the church loads of people were awaiting the arrival of the trio black cars.Three males and one female carried the coffin to the front of Sacred Heart Church. The small beech oak coffin laid right in front of us speeches from my dad and Michelle. We then went on a long journey up to ST Maries church where she was buried peacefully with her long missed husband and sister. Now to give you some happy news, it was happy for me anyway. It was 28th June 2003, Greater Manchester Youth G ames. I was doing athletics 10 towns and cities competing. Manchester were the favourites, like always, but it seemed to be the Wigan team hadnt read the script.The Wigan squad was looking strong as I led the male team and Becky led the girls. It started off poor with none of our athletes winning in the 100m but after that it was all positive for the Wigan team. My first event was the discus, it was also my weakest. I cease up 8th out of twenty so it werent a bad start were as my team mate got 6th. After that event we were both belt along to the next event which I was more confident at, the triple jump after three jumps, all beating my personal best, I ended up in a superb position of 3rd out of twenty again so I was over the moon with that.I was then rest for a few hours as my next event was a long time off, I was waiting watching all my mates winning and acquire valuable points for us. I was then called over by Coach Claire, she told me to get warmed up with my running partner, Jordan. I was all mentally prepared for this with a crowd of hundreds watching. The loud speakers came on shouting out can all 800m competitors please go to the finish line. I was there within minutes of the call I could not wait. BANG The gun had fired for the start. I was off, and in my favourite position, orbit the pace at the front. 00m gone I was still at the front but something horribly went wrong, my calf muscle was giving in, but I wanted this race so bad I kept going. I was later taken on the 250m mark I was in 2nd. As I ran round the left bend, I could hear the roars from the Wigan camp. It gave me a huge itchiness to catch up with the leader. 50m go I was catching up to the lead it was going to come down to who had the sprint finish, unlucky for me he beat me by 2m. I was upset at losing the lead but happy I pulled through an scathe and gave Wigan the points they needed.After a much needed rest we were all awaiting the results. They mentioned the seven loser, Im glad to say Wigan wasnt mentioned but Manchester werent either. 3rd place was then read out BURY they took their time getting the medals and left Manchester and Wigan athletes in nerves. After all the medal ceremony to bury was over, it was then again the loud speaker with cxxv points in 2nd place. Then this long delay bout 10 seconds but seemed hours MANCHESTER a big roar came from the Wigan team. Once we picked up our medals we were quickly rushed to have our picture taken for the papers.I dont remember much after that just being so pleased to have captained a winning side. There are people who I have to mention, these people I tell you about next are my important people who have helped me all they way in my life. Its not the fact youve lost it, its the fact of what you do to get it back. That is the best piece of advice anyone has ever given me. It was from one of the most important people in my life, my dad. Hes always been there for me normally to help me in sports and so on. Ob viously my Mum would be an important part to my life.She always helps me go down the right track and not the wrong. The main reason has to be she gave me my pocket cash and still does. Then theres my sister Michelle who always, without fail, gave me money when I had no money at all. Well moving away from family ill have to pick 1 of the only people who know me inside out, and that is Joseph Hull, also known as Hully. Ive known him since play school, he knows everything about me almost. When we played for the same football team 2 years ago, I played in net he played up front, we had a perfect connection off kicks etc.My character can change depends what mood people give me in the morning. It takes a bit for me to get moody. At times I like to be on my to realise what I am doing with my life and just sort all my problems out but I do like to be with my mates because they make me laugh smile n just are good mates. I am very energetic. I have been said to have the legs of a gazelle, th e reactions of a cat and the height of an Irish lepricorn. I can also be very lazy, if I am in house merely I can just sit on couch and watch television or play on lap top. People dont think Im a mystery, just think Im stupid.For my coming(prenominal) Ive got a few things planned so in case one dont go to plan Ive got another one to fall back on. More importantly I plan to go to collage and university maybe leap Hill, I dont know yet. When Im older I want to earn a living by coaching or P. E teacher maybe extracurricular of Wigan, due to people have been telling me its better pay. When I retire im hoping to have a holiday home but instead of going to the future ill let the future come to me. Thats been the main points in my life for the past 15 years, fair boring werent it, I hope you enjoyed it.My AutobiographyIt all started nearly fifteen years ago, in a little industry town called Wigan, in a hospital called Billinge, when a 35 yr old woman gave birth to a baby boy called Sha un Graham weighing in at 6lb 4oz. Once born, he had to go straight into an incubator. He then went home to live his life for the next 15 yrs in an area called Gidlow and street Gidlow Lane. Once he got home he lived his life in the same house for 15 years. So here I am now to tell you the journey of me Shaun Graham for the best of my 15 years. Youll get the ups, the downs, the achievements and the disappointments.One of the main parts of my life would be my background. My dad is originally from Scotland a bad area called Grangemouth he lived in a flat with his Mum Dad and brother Ian. His mum died when my Dad was seventeen. Thats when my Dad started to hate his Dad. This was because his Dad wouldnt have a head stone on his Mums grave. My Dad then went on holiday to Blackpool where he met my Mum. Her life is a completely different story. Her Dad came from Ireland, Cork. They lived their life in a nice area called Standish Lower Ground.Her Dad died on my Mums 6th birthday and her mum died not so long ago 24/2/2003. Once the two got married on 5/2/1983 and moved to the current area that we still live now Gidlow. Its not the nicest of places but its half decent. They gave Birth to Michelle 1 year on, and then another year on Marie was on her way. They lived together for four years then the best news ever was that I was on the way. All my mum ever wanted for four years was a boy and then thats what she got. People have told me as a child I was quite stupid just running around and running into everything like cupboards and lamp posts.Theres one time when my shoes got to big for me as a baby. So my Mum took me to get some more, but the size up was way 2 big for my feet, my Mum looked at them and little did she know it I had pushed two dummies in them. Everyone says I was an active child but also was a very moody one too. It only took me 9 month to learn to walk. As I grew up to a small child I started then to like sports, didnt know the rules just liked playing on my local field, Gidlow field. The more I grew the more active I became and the less moody I got which was described as a miracle by my family.From my families earliest memories of me, to mine. Well this wont be in order of age or importance, just order as it comes to my head. First of all is my first ever football match. It was at Standish strikers a 6-a-side league. I played for Roma and this is where I found out I was going to be a goalkeeper. We lost that game 2-1 but I kept us in the game. The next memory has to be the time when Joseph and I used go to play school, I used always have the bike and Joseph the car we would play in them, all day 7 days a week.When I was in year five at Sacred Heart, I cracked my head open on some metal bars, Mrs Birchall rushed me to A&E, I waited in the waiting area for about 1 hour talking to a man who had fallen off some ladders. We both got called in at the same time, all I needed to have in my head was some glue, which later came off in 4 days. T he cut did leave a scar for live though. Ive had a few special events. They vary from athletics to funerals. Ill start with the sad news first, it was a school day Friday 28th 2003 the big day for the graham household as it was my Grandmas funeral.We waited and waited for the cars to pull up 2 take us to the church people in black all crying because a popular member of the family had gone. The cars pulled up, mum, dad, Marie, Michelle and I all in the first car looking onto the car which held the coffin surrounded in flowers. In the second and last car were my aunties and cousins, it was all tears as we went past the old folks home my Grandma had spent 7 yrs of her life their. As we approached the church loads of people were awaiting the arrival of the three black cars.Three males and one female carried the coffin to the front of Sacred Heart Church. The small beech oak coffin laid right in front of us speeches from my dad and Michelle. We then went on a long journey up to ST Maries church where she was buried peacefully with her long missed husband and sister. Now to give you some happy news, it was happy for me anyway. It was 28th June 2003, Greater Manchester Youth Games. I was doing athletics 10 towns and cities competing. Manchester were the favourites, like always, but it seemed to be the Wigan team hadnt read the script.The Wigan squad was looking strong as I led the male team and Becky led the girls. It started off poor with none of our athletes winning in the 100m but after that it was all positive for the Wigan team. My first event was the discus, it was also my weakest. I ended up 8th out of twenty so it werent a bad start were as my team mate got 6th. After that event we were both rushed to the next event which I was more confident at, the triple jump after three jumps, all beating my personal best, I ended up in a superb position of 3rd out of twenty again so I was over the moon with that.I was then rested for a few hours as my next event was a lo ng time off, I was waiting watching all my mates winning and getting valuable points for us. I was then called over by Coach Claire, she told me to get warmed up with my running partner, Jordan. I was all mentally prepared for this with a crowd of hundreds watching. The loud speakers came on shouting out can all 800m competitors please go to the finish line. I was there within minutes of the call I could not wait. BANG The gun had fired for the start. I was off, and in my favourite position, setting the pace at the front. 00m gone I was still at the front but something horribly went wrong, my calf muscle was giving in, but I wanted this race so bad I kept going. I was later taken on the 250m mark I was in 2nd. As I ran round the left bend, I could hear the roars from the Wigan camp. It gave me a huge urge to catch up with the leader. 50m go I was catching up to the lead it was going to come down to who had the sprint finish, unlucky for me he beat me by 2m. I was upset at losing the lead but happy I pulled through an injury and gave Wigan the points they needed.After a much needed rest we were all awaiting the results. They mentioned the seven loser, Im glad to say Wigan wasnt mentioned but Manchester werent either. 3rd place was then read out BURY they took their time getting the medals and left Manchester and Wigan athletes in nerves. After all the medal ceremony to bury was over, it was then again the loud speaker with 125 points in 2nd place. Then this long delay bout 10 seconds but seemed hours MANCHESTER a big roar came from the Wigan team. Once we picked up our medals we were quickly rushed to have our picture taken for the papers.I dont remember much after that just being so pleased to have captained a winning side. There are people who I have to mention, these people I tell you about next are my important people who have helped me all they way in my life. Its not the fact youve lost it, its the fact of what you do to get it back. That is the best piece of advice anyone has ever given me. It was from one of the most important people in my life, my dad. Hes always been there for me normally to help me in sports and so on. Obviously my Mum would be an important part to my life.She always helps me go down the right track and not the wrong. The main reason has to be she gave me my pocket money and still does. Then theres my sister Michelle who always, without fail, gave me money when I had no money at all. Well moving away from family ill have to pick 1 of the only people who know me inside out, and that is Joseph Hull, also known as Hully. Ive known him since play school, he knows everything about me almost. When we played for the same football team 2 years ago, I played in net he played up front, we had a perfect connection off kicks etc.My character can change depends what mood people give me in the morning. It takes a bit for me to get moody. At times I like to be on my to realise what I am doing with my life and just sort al l my problems out but I do like to be with my mates because they make me laugh smile n just are good mates. I am very energetic. I have been said to have the legs of a gazelle, the reactions of a cat and the height of an Irish lepricorn. I can also be very lazy, if I am in house alone I can just sit on couch and watch television or play on lap top. People dont think Im a mystery, just think Im stupid.For my future Ive got a few things planned so in case one dont go to plan Ive got another one to fall back on. More importantly I plan to go to collage and university maybe Edge Hill, I dont know yet. When Im older I want to earn a living by coaching or P. E teacher maybe outside of Wigan, due to people have been telling me its better pay. When I retire im hoping to have a holiday home but instead of going to the future ill let the future come to me. Thats been the main points in my life for the past 15 years, fair boring werent it, I hope you enjoyed it.

The History of Antigua

The history of Antigua Antigua is an island where people wake up early to go to work or to school but most of the people who live there go to the market on Market Street. The name of Antigua and Barbudas capital is St. Johns. The language that is verbalise in Antigua and Barbuda is English. The date that this country came into existence was November 1, 1981. The notable people who live in Antigua be Eric Clapton who is a guitar player, Giorgio Armani, and Ken Follett.The major landforms that atomic number 18 in Antigua and Barbuda are the Boom Point, the Devils Bridge and Mount Obama. There are also some major cities in Antigua such as Cedar Grove, Old Road, and Boland. The culture nearly Antigua is incredible. The clothes that the citizens wear afford a condition to the tropical living. There are a lot of Holidays in Antigua that New Jersey doesnt have like Good Friday, Carnival Monday, National Heroes day, and Whit.Antigua sells a lot of different kinds of foods at the market as corn, chilies, guava, and mangos. The music in Antigua is a dabble of everything from reggae, to soca to zouk styles are easily appreciated whether at a barbeque or playing online bingo. The kinds of religions that are in Antigua are Christians, Muslims, Hindus, and Jews. The government uses the Parliamentary System. Antiguas population is at 89,612 and counting.The native animals that live in Antigua are the Antiguan Racer, Redonda Anole, Antiguan Ground Lizard, and the Barbuda Warbler. The name of the flag is Antigua and Barbuda. If you ever visit Antigua here are some set off tips. First, the taxes are the same as in the United States. There is 10-15% depending on the service. Second, the electricity, part of the island is 110 volts and the remainder is 220 volts. Most of the hotels have both voltages available. This has been the research of Antigua and Barbuda. look into Paper

Are Americans Starving To Death Education Essay

intellectual nourishment insecurity is defined as non ever h experienceding entering to enough solid food for active, healthy life Seccombe, 2007. the States is thought of as a rich and comfortable allege and many an(prenominal) people would never believe that at that place is a hurt final result. But, the U.S. authorities spends near to $ 1 trillion a twelvemonth supplying money, nutrient, lodging, and medical attention to hapless and low-income households. Of the $ 1 trillion, around $ 111 billion is spent on nutrient entirely ( Kozak, 2012 ) . It is averageally thought that the jobs associated with hunger be confined to certain countries of the state or certain vicinities, just that is non the instance. Right now, 1000000s of people all over America argon fighting with aridness. It s clip for people to go educated about the causes and possible solutions of hungriness in America.Historical Background of the issueFolklore from the in-between ages frequently echoed the p roblems of the people s day-to-day lives, which included hungriness. In these narratives kids of households that could non afford to maintain them were left to roll in the woodland and if the kids found a faery their first want was on a regular basis nutrient ( Weill, 2012 ) . It has been thought throughout history that most Americans pull up stakes lives of luxury. That is nt difficult to believe since films and telecasting shows portray America as a civilization of wealths.Conversations about utmost hungriness and poorness have about vanished from everyday civilization and the society as a whole ( Weill, 2012 ) .Hunger and nutrient insecurity be the consequences of old ages of tendplace favoritism, deficient authorities assistance, and early(a) frugal jobs. The recession had a big negative impact on hungriness issue in America. From 1999 to 2007, the economic system grew, but most gathers of growing went to the flush. Food insecurity rose from 10.1 per centum in 1999 to 1 1.1 per centum of families in 2007 ( Weill, 2012 ) .A survey conducted by the USDA shows that in 2005, approximately 12 per centum of Americans ( 35 zillion people ) were ineffective to set nutrient on the tabular array at least portion of the twelvemonth, and that 11 million people reported traveling athirst(p) on juncture ( 12 Percentage, 2006 ) . Throughout history hungriness has continued to be a job in America, from the earliest colonists to modern twenty-four hours households, seting nutrient on the tabular array is an issue that impacts many people.The Prevalence and Seriousness of the IssueIn 2007 the per centum of nutrient unassured families in America was 11.1 per centum ( Lewis and Burd-Sharps, 2010 ) . In 2011, a mall of 50.1 million Americans lived in nutrient insecure families. Of the 50.1 million, 33.5 million were grownups and 16.7 million were kids ( Feeding America, 2012 ) . Every county in America is affected by nutrient insecurity. Steele County, ND has the lowest per centum of nutrient insecure families, while Holmes County, MS has the highest per centum of nutrient insecure families ( Feeding America, 2012 ) . In one of the richest states on Earth, there are still those without adequate to eat.The Impact of the Issue on FamiliesIn nutrient insecure households each member is affected. Young kids from nutrient insecure households frequently have reduced societal and cognitive development, along with more health jobs and high hospitalization rates. School-age kids are most frequently affected by nutrient insecurity in their school public presentation. Math and reading tonss are normally lower than other kids s, they anyway have a harder clip paying attending in category, and frequently move out. Among adolescents, nutrient insecurity is associated with self-destructive ideas and depression ( Chilton and Rabinowich, 2010 ) .Even moderate nutrient insecurity has an impact on people. Pregnant adult females that do nt hold proper nutriti on addition the opine of certain birth defects and low baby birth weight. Very immature kids with bad nutrition referable to chair nutrient insecurity can be stunted in their growing and have delayed cognitive development. Overall, kids that suffer from nutrient insecurity are most affected in their physical and cognitive growing, doing them to dawdle behind their equals and larn less ( Weill, 2012 ) .Adults that suffer from nutrient insecurity are frequently less productive and have poorer wellness. Adult hungriness besides harms kids. When grownups go hungry to protect kids the ensuing emphasis and depression, non merely harms the grownups, but besides the impacts that kids s mental wellness and schooling ( Weill, 2012 ) . Hunger in America impacts the lives of kids and grownups. Their mental, physical and emotional wellness are greatly affected by the deficiency of nutrition and the emphasis of non holding plenty nutrient.Pro and Con Sides of the IssueThree Key Players Who p uzzle out and are in Support of the IssueAuxiliary Nutrition Assistance Program ( die ) , the Particular Auxiliary Nutrition Program for Women, Infants, and Children externalize ( WIC ) , and the National School tiffin plan are the three of import plans that influence the hungriness state of affairs in America ( Weill, 2012 ) .The state s largest nutrition plan is SNAP and the soma of people utilizing this plan is increasing each twelvemonth. In 2000 there was an norm of 17.2 million people profiting from SNAP each month, in 2008 that figure jumped to an norm of 28 million people per month ( Weill, 2012 ) .WIC is another federal aid plan that works to conflict the hunger issue in America. The people that benefit from WIC are low income pregnant adult females, suckling adult females and kids under the age of five. The services provided through WIC are auxiliary nutrient, expression, nutrition instruction, entree to health care and other societal services ( USDA, 2012 ) .The Nati onal School Lunch Program ( NSLP ) is a federally aided repast plan that helps feed school kids. NSLP operates in public and non-profit-making private schools. This plan provides nutritionally balanced, low-priced or free tiffins to measure uping kids each school twenty-four hours ( USDA, 2012 ) . These three plans, along with other nutrient aid plans, work to conflict the issue of hungriness in America.Three Key Players Who are in Opposition of the IssueAlthough there are many plans and organisations that work to cut down the figure of households traveling hungry, there are people who do non believe that hungriness is an issue at all in America. count Bureau information is the chief grounds for people in resistance of the hungriness issue. In 2009 the Census Bureau reported that of the about 50 million Americans classified as hapless the bulk said that they did nt travel hungry. Many of the parents classified as hapless ( 96 % to be exact ) said their kids were neer hungry in 2009 . An even more surprising statistic is that 82 % of hapless grownups said they were neer hungry at any clip in 2009 due to a deficiency of nutrient or money ( Kozak, 2012 ) .In the 2010-11 school twelvemonth, about 373,000 kids in Wisconsin received free school tiffins. The disagreement with this information is that there are nowhere near 373,000 childs in Wisconsin that come from households that live below the poorness line. This information suggests that households are taking advantage of the school tiffin plan and that middle-class and upper-middle-class childs that do non measure up for free school tiffins are eating tiffin at taxpayer disbursal ( Kozak, 2012 ) .The Strengths and Weaknesses of the Key Player s PositionsThe organisations in support of the hungriness issue in America have many strengths in their place. They have used the statistics from metropoliss, counties and provinces from around the state to understand that hunger state of affairs. From that information they have formed plans specifically created for the most prevailing state of affairss, such as, households populating under the poorness line, pregnant female parents, and kids.The failings of the protagonists of the hungriness state of affairs in America are chiefly that they do nt look to be decreasing the issue. As many statistics have shown over the old ages, the figure of households with nutrient insecurity have increased, non decreased.The people in resistance to the hungriness issue in America have several strengths to their place. There is grounds that hungriness may non be as large of an issue among the hapless as antecedently believed. The statistics about hapless households describing that they do nt travel hungry is one of the chief strengths.The failing of the resistance s statement is that the ground why the hapless are describing that they do nt travel hungry is frequently because they are having nutrient aid. Without the nutrient aid they would most probably go hungry and the resistance would hold no grounds.Are their Arguments Converting? some(prenominal) the supportive sorts and the opposing groups have reasonably convincing statements. Both sides have statistical grounds to back up their claims and are able to explicate why they are right. The chief ground why the opposing group s statements are less convincing is that their statistical grounds could be proven false if the people interviewed were having nutrient aid. For case, the people that report non traveling hungry in 2009 may be able to state that because of auxiliary nutrient plans.DecisionsCurrent Laws that have been passed in Regards to the IssueThe National School Lunch Act was signed into polity in 1946 by President Harry Truman. This jurisprudence created the National School Lunch Program that provides low-cost or free tiffins for kids. Another jurisprudence that was passed is the honorable Hunger Free Kids Act of 2010. This jurisprudence authorizes funding for the USDA s nucleus k id nutrition plans ( USDA, 2012 ) . A 3rd jurisprudence passed is the Food depression Act of 1964 which authorized a nutrient cast plan to allow low income families to have benefits.Are these Laws Helping or Worsening the Situation?These Torahs have helped many single people to non travel hungry, but overall they have non made a immense dent in the figure of people with an deficient sum of nutrient. The figure of people on nutrient aid plans is lifting each twelvemonth and shows that more and more people need aid. These plans are maintaining people from hungering, but they are non assisting change by reversal the procedure so they can feed themselves.Fraud is a major job with many of these plans. Many people leave have the benefits of nutrient aid when they do nt really necessitate it or even use multiple times. New York City Mayor Michael Bloomberg and New York Gov. Andrew Cuomo are presently at odds over whether to go on an anti-fraud effort to fingerprint receivers. Mayor Bloom berg believes that fingerprinting receivers will salvage 1000000s of taxpayer dollars by maintaining people from exploitation for aid multiple times. However, Mr. Cuomo believes that coercing the receivers to be fingerprinted stigmatizes them and will maintain hungry kids from eating ( Kozak, 2012 ) .The Future of this Issue and my Prediction of What will Happen in 20 old ages from Now in Regards to the IssueI do nt see this issue being resolved anytime shortly. There are so many other issue that are level(p) in with hungriness that they would all hold to be solved before hungriness was wholly extinguished in America. I do non believe that the issue will diminish in the following 20 old ages because at that place seems to be a turning tendency of the figure of people necessitating to utilise nutrient aid plans.Changes or Improvements I would urge for the Direction of this IssueTo stop hunger both authorities intercession and single engagement would be involve ( Mariana and Rabino wich, 2010 ) . If a full-time lower spring pay occupation wages excessively small to run into a household s basic demands, modify nutrient cast and school repasts plans can cut down enduring but will non stop hungriness. To alter the figure of hungry people in America the state must increase the incomes of as many households as possible to above the poorness line. To carry through this the federal lower limit pay would necessitate to be increased, along bettering unemployment insurance, child support recovery, and the Temporary Assistance for Needy Families plan ( TANF ) ( Weill, 2012 ) . Overall, to better the issue of hungriness in America, I would go on to supply nutrient aid, but I would besides work to assist households go self-sufficing.

A1 Steak Sauce

A1 Steak Sauce and Marinades To Smith, Chuck From CC Date Re Lawrys Defense Comments Issue Lawry is attempting to release a new steak sauce that should go into the market by early April. Obviously a new player in the market is not a major concern to A1/Kraft, having over 50 percent of the market share. The best case scenario for Lawry is that they exit only gain ten percent of the market share. The direct threat for A1 lies with Lawrys selling tactics. Lawry is attempting to put up a Memorial daylight advertisement with Publix, offering a two-for $5 promotion.The issue is that retailers generally support only one brand in a particular category in a given week. In recent years A1 has always locked in that spot. Aside from Lawrys promotion dates, their promotion equipment casualty is alike a major concern. A1 sells over ten percent of their yearly volume each promotion during the summer holiday promotion weeks of Memorial Day and the Fourth of July. Generally A1 would run a fifty cent off promotion with the unit sale price lowered to $4. 49. As the category attraction in the steak sauce, A1 has been able to continually gain sales revenue by relying on price gains.The price increase is the primary way that A1 is able to increase revenue since volume has been stagnant the past few years. Appendix A is a rise analysis displaying the internal and external factors that contributes to A1s current dilemma Evaluating Alternatives A1 Steak Sauce has several(prenominal) alternatives to evaluate. A1 can be proactive or reactive. By taking the proactive approach, A1 can beat Lawry at its own game of strategic pricing. resource 1 A1 can directly price match and copy the promotions of Lawry. A1 Steak Sauce will considerably drop its prices, which will clutch all of Lawrys forecasted sales.However, it will not only affect Lawry but it will decrease A1s potential of future revenue too. Option 2 A1 can do a standardised price match of a two-for special. Rather th an a two-for-$5, A1 could shoot for a more reasonable approach of two-for- $8. Although both scenarios will require the same join of units sold (sold in pairs) in order to breakeven. Appendix B shows Pro Forma for Option 1 and Appendix C shows a Pro Forma for Option 2 A1 can in any case take a reactive approach by increase its advertising while Lawry is running its two-for-$5 promotion.A1 Steak Sauce can pay for more cost-efficient shelf spacing in the retail outlet. This will include end caps, more facings in the stores, larger and increase signage (bigger and better than what they have done in years past). A1 can also use their brand recognition to their advantage by ensuring more restaurants that publically use A1 display their products, rather its on the menu or tables. Currently A1 spends roughly 15% of total revenue on advertising. Option 3 A1 could simply increase their percentage of revenue to marketing and adverting from 15% to 20%.This approach will decrease A1s net pro fit by roughly 7. 5million (with the worst case scenario that A1 will not increase sales at all) but it will allow A1 to increase its brand awareness and make it substantially harder for Lawry to penetrate the market with its new steak sauce. Appendix D displays A1s pro forma with the original 15% of revenue funding its marketing while Appendix E displays an increase to 20% of revenue funding marketing initiativesRecommendation base on the financial analysis of each option, Option 2 would be the best approach for A1.Although each scenario is profitable, Option 2 has more incentives than the other options. Option 2 would be a better deal for A1 because it will generate over 17 million dollars more in profit than Option 1. It will take 38k units to breakeven or 19k pairs on sale for two-for-$8. The breakeven amount is not that far off from what A1 is already accustom to meeting. The price cut alone would be also be great incentive for the customers because they will save $2 ($1 per u nit) rather than the practice fifty cent.That $2 reduction will be in truth favorable for A1 granted that its will go into effect during the holiday season when shoppers are looking for a bargain, especially while the cost of cunt is going through inflation. Additionally, the amount of money spent on advertising will not increase compared to Option 3, so A1 can stick to their normal tactics and not have to focus on cutting cost elsewhere to cover the increase in advertising. APPENDIX Appendix A SWOT Analysis

How to Balance Penn Foster Studies with Work and Family Demands

Pre writing for the process Analysis Essay Topic Balancing Penn Foster studies with work and family demands. - My put up is Karissa Gumbs. I am a beautiful and vibrant young adult. I born in the month of July in the beautiful island of Anguilla. - An online course was the last thing on my mind. When I told my parents about it they thought it was a marvellous idea and they started to encourage me. My siblings thought it was also a great idea.They said that it was going to be a challenge but in the end you will succeed. When I finally made the last to get my Associates Degree my family agreed. - A year has passed and now I am realizing how difficult it is to balance my studies, work, and family demands. Whenever I return home from work it seems as though my day have barely started. I pass by sequence helping with cleaning, gardening, and paying bills. -Regardless of all this I need to complete an assignment that is due in three days. Around 900 pm is the only cadence I get to do this. - overly all of this, in my free time I like to browse the internet, sing, dance, watch television, travel, and spend time with family and friends. - Some of the places I have travel to are St lucia, St kitts, Costo rico, Panama, Miami, florida. One of the places I will like to name is the Netherlands. Something I always wanted to do in life is to have my own business in electronics. - In the near future I would like to get married and have a family. - I love the idea of doing my Penn foster degree online it allows me to take my time and go at my own pace. quite a than having to attend the school in person. -On a daily basis at work if it is really wearisome at times I would walk with my assignment and try my best to keep myself occupied sort of than just having to sit there surfing the internet. By doing this I try to complete my assignments ahead of time. To take for my daily activities I created a schedule and worked out a plan which I can instal best use. When thing s come up unexpectedly, having a schedule is a good way to manage time that is why I started a daily schedule and I took a hour out of separately day to my studies.