Blood Brothers by Willy Russell Essay Example For Students

Kindred spirits by Willy Russell Essay I chose to work with Roxy and Duncan inside my gathering. I had worked with Roxy on numerous events during dramatization exercises; I realized she was generally excellent at show and dependable. She was extremely dedicated and consistently needed to ensure her parts were very much practiced and every last bit of her lines were found out. Duncan had a ton of trust in his work and capacity to act. I had worked with Duncan on numerous events before in show classes as well as in school plays too. The entire of our gathering which included Alex Porter, yet I didnt straightforwardly work with her, felt it is acceptable to have Duncan in our gathering in light of the fact that a large portion of the scenes required a male part. I had never worked with Alex however I realized that she was a solid and certain entertainer. The whole gathering was truly reliable and persevering. We were all alright with one another thus we thought that it was anything but difficult to function admirably in our gathering and arrive at our full acting potential. We were completely given a content of Blood Brothers by Willy Russell. We as a whole perused the content first in class and we as a whole appreciated it. A portion of the scenes were amusing however others were likewise extremely emotional. We delighted in perusing the content and felt we could get along nicely at acting it out. We at that point needed to pick which scenes to do, and furthermore which characters we were going to play. I filled the role of Linda, whom Mickey, played by Duncan, grew up with and wedded. Roxy was Mrs. Johnstone, the characteristic mother of the two young men. Alex played the received mother of Edward. Duncan played Edward and Mickey since this was progressively reasonable seeing as they were twin siblings. We concluded that we would complete six scenes, three scenes each. Roxy and Alex chose to do the principal scenes in the book; this was useful for the crowd since they comprehended what the play was about and what was going on all through the play. Duncan and Alex then chose to do a scene where Edward was somewhat more established. This again gave the crowd a thought of what was happening all through the phases of the twins lives. Duncan and I acted the following scene. It demonstrated Mickey as a youngster. We pick this scene since it was very entertaining and still very sensational and portrayed adolescent life, which our entire show gathering could identify with. We at that point pick a scene towards the finish of the play once Mickey had come out of jail, yet was all the while taking tablets. We felt that we ought to do a scene before hand so the crowd comprehended what was happening. So I did a scene with Roxy, which clarified what had occurred since the last scene. My next scene, and our last, was with Duncan. This scene was emotional and not the same as different scenes that we had carried on, so it was a significant test for us. I thought the content was extremely astute by they way it followed the lives of the two siblings, yet without them really realizing that they were siblings until the finish of the play. I believed that the differentiation in their two lives was reasonable to life today. I felt that my character, Linda, was solid, and recognized what she needed and was very decided. She had consistently needed Mickey and had hung tight for him. I figured I would appreciate playing this character since I must be genuinely strong! Mrs. Johnstone was additionally similar to this. She was solid despite the fact that she had a great deal to manage and had a serious hard life. Mickey and Eddie were very indistinguishable. You could tell that Eddie had been raised diversely and was progressively taught and experienced school and college. You could likewise tell that Mickey had been raised with a more unfortunate foundation. This gave the two characters a decent differentiation of rich and poor, yet exception ally similar. .u9b66745a902659d571255a9364b66109 , .u9b66745a902659d571255a9364b66109 .postImageUrl , .u9b66745a902659d571255a9364b66109 .focused content region { min-stature: 80px; position: relative; } .u9b66745a902659d571255a9364b66109 , .u9b66745a902659d571255a9364b66109:hover , .u9b66745a902659d571255a9364b66109:visited , .u9b66745a902659d571255a9364b66109:active { border:0!important; } .u9b66745a902659d571255a9364b66109 .clearfix:after { content: ; show: table; clear: both; } .u9b66745a902659d571255a9364b66109 { show: square; change: foundation shading 250ms; webkit-progress: foundation shading 250ms; width: 100%; haziness: 1; progress: mistiness 250ms; webkit-progress: darkness 250ms; foundation shading: #95A5A6; } .u9b66745a902659d571255a9364b66109:active , .u9b66745a902659d571255a9364b66109:hover { murkiness: 1; change: obscurity 250ms; webkit-change: obscurity 250ms; foundation shading: #2C3E50; } .u9b66745a902659d571255a9364b66109 .focused content zone { width: 100%; position: relative; } .u9b66745a902659d571255a9364b66109 .ctaText { outskirt base: 0 strong #fff; shading: #2980B9; text dimension: 16px; textual style weight: intense; edge: 0; cushioning: 0; text-beautification: underline; } .u9b66745a902659d571255a9364b66109 .postTitle { shading: #FFFFFF; text dimension: 16px; textual style weight: 600; edge: 0; cushioning: 0; width: 100%; } .u9b66745a902659d571255a9364b66109 .ctaButton { foundation shading: #7F8C8D!important; shading: #2980B9; fringe: none; fringe span: 3px; box-shadow: none; text dimension: 14px; textual style weight: striking; line-tallness: 26px; moz-outskirt sweep: 3px; text-adjust: focus; text-adornment: none; text-shadow: none; width: 80px; min-stature: 80px; foundation: url(https://artscolumbia.org/wp-content/modules/intelly-related-posts/resources/pictures/basic arrow.png)no-rehash; position: supreme; right: 0; top: 0; } .u9b66745a902659d571255a9364b66109:hover .ctaButton { foundation shading: #34495E!important; } .u9b66745a902659d571255a9 364b66109 .focused content { show: table; stature: 80px; cushioning left: 18px; top: 0; } .u9b66745a902659d571255a9364b66109-content { show: table-cell; edge: 0; cushioning: 0; cushioning right: 108px; position: relative; vertical-adjust: center; width: 100%; } .u9b66745a902659d571255a9364b66109:after { content: ; show: square; clear: both; } READ: Presentation of the Mother Figure in House of Bernarda Alba and House of the Spirits EssayWe had a wide range of scenes to set up in front of an audience. The first scenes were in Quite a while. Lyons house, so we needed to make space and cause it to appear to be exceptionally huge. There wasnt a ton of development in this scene, so we needed to focus on our voices and restricted developments. The following scene out of the house was outside with Mickey and Linda. This was acceptable in light of the fact that we had bunches of room and a considerable amount of development inside the scene. The following scenes were again in a house, howev er this time it was Mickey and Lindas house. During these scenes there was a great deal of development so we had the option to utilize the stage adequately. Linda appeared to be extremely basic in her more youthful years, so this expected to run over in my intonation. We concluded that everybody separated from Mrs. Lyons and Eddie ought to have a Liverpudlian articulation. This would help so as to have a differentiation between the two ladies and children. On the off chance that Eddie and his mom have opulent accents, at that point you would have the option to differentiate among Mickey and his mom. The play was plainly set in Liverpool, so we figured we ought to in any event attempt the accents. Fortunately we as a whole figured out how to get the accents that we required perfectly. One of the main issues was that with the Liverpudlian articulation we were hurrying our lines, so needed to figure out how to back off yet keep a similar complement.

Analysis book called The Maze Runner by James Dashner Essay

Did you realize mourners come out inside the labyrinth consistently after the dividers near the book called The Maze Runner by James Dashner? This book is about a gathering of adolescent young men between the ages of 13 and 19. They are sent to the dale to check whether they are sufficiently keen to understand the labyrinth that encompasses it. One day a kid named Thomas is sent to the labyrinth. See the young men just get one amateur a month and the day directly after Thomas was sent to the dell someone else was sent. It was odd to get two novices in a single month at the same time, what was progressively odd was that it was a young lady. The main young lady to be sent to the labyrinth to help comprehend it and go about as a trigger to tell the young men the labyrinth was biting the dust practically. In this novel, the greater part of the young men need to maintain control in the dell where they were protected from suppliers and they had food, water, cover everything expected to end ure. Until the provisions don’t come any longer and they need to proportion out what they have left to get by on. The young lady and Thomas are associated intellectually all through the book. The dividers quit shutting around evening time so they all rest together in the residence and the mourners come into the dale and take one glader a night. Until they figure out how to get out and discover who the makers are. One thing turns out badly and request is mysteriously absent until the issue is dealt with. Everybody in the knoll does their part to maintain things in control and working and, when one individual chaotic heaps up or attempts to head out in their own direction and voice their supposition without consent it startles everything. Like when Alby probably the most seasoned young men said â€Å"That’s not how it functions around here, and our entire presence relies upon things working† (Dashner 101). At the point when somebody seriously destroys the request they need to get expelled. Expulsion is the point at which you need to leave the dell and go out into the labyrinth to live the remainder of your life. It’s not a cheerful time for the individual getting ousted or different young men in the knoll. More often than not the individual is passed before breakfast on the grounds that the mourners assault them. Expulsion is the most noticeably awful thing to occur in the dell. They likewise need things to be steady similar to when fabricating a pinnacle of squar es and one side is heavier so it begins to tip in light of the fact that it’s flimsy. Indeed, Alby felt thusly in the book so he attempted to recapture soundness in the dell and expectation things return to ordinary as he states â€Å"I consumed the Maps. I hammered my head into the table so you’d think it was another person, I lied, consumed everything. I did it† (Dashner 311) There are numerous occupations in the meadow. There is Runner, Slopper, Med Jack, Gardener, Builder, Track Hoe, Bagger, Livestock Raiser, Cooks, and Blood Housers. I would be a Mad Jack since they help the individuals of the knoll show signs of improvement when they become ill, harmed, or stung. I have consistently had a needing to help individuals and couldn't want anything more than to do it in the dale. I would be significant and required. In the book you just here of two Med Jacks Clint and Jeff. The pair is constantly observed together and getting a charge out of every others organization. They resemble closest companions stuck to each other’s hip. This is the thing that I need my part in the dale to be. At the point when things don’t go as arranged request is lost and won't be found until things refocus. Recap young men and one young lady are sent to this labyrinth to check whether they are skilled to illuminate it. Two amateurs are sent in one month which isn't ordinary particularly in light of the fact that one is a female. At that point their provisions don’t come, so they need to proportion all the food out. The dividers quit shutting around evening time so they rest in the residence for wellbeing. Every single night that they don’t comprehend the labyrinth another child is taken by the mourners and murdered. At long last, Thomas and the young lady discover how to get them out of the labyrinth to opportunity. This book is composed ably and causes the perusers to remain alert all through the entire book. The feeling from each character particularly Thomas can be felt and pictured during and before it changes. The things that happen startlingly is the best part.

Go Glow Grow Essay

Go Glow Grow is a sustenance educational plan produced for preschool youngsters. Related to the book Go Glow Grow: Foods for You, kids find out about good dieting, practicing and the significance of hand washing. Utilizing a streamlined adaptation of MyPlate, kids gain proficiency with the association between solid nourishments and what they accomplish for the body. †¢Grains are Go nourishments, they help you run, bounce and play throughout the day. †¢Fruits and vegetables are Glow nourishments; they assist you with having gleaming hair and sparkly eyes. †¢Milk and meat and beans are Grow nourishments, they help you to become large and solid. Every exercise incorporates educator foundation data, two exercises, nibble plans, and survey questions. There is additionally a bring home letter mentioning to guardians what their kid realized alongside a movement and nibble formula to make at home. Sparkle Foods Apple-Vitamin C Grapes-A, C, B6, Antioxidant Chico-Vitamins, Minerals Pechay-Vitamin A, C, Calcium, Phosphorus Monggo-Protein and Dietary Fiber Malunggay-Iron, Vitamin B, Calcium, Vitamin A Potato-Carbohydrates, Vitamin C, Iron, Fiber Vitamin B-6 Squash-Beta-carotene, Vitamin An and C, magnesium, fiber, folate, riboflavin, phosphorus, potassium and Vitamin B6 Develop Foods Fish-Protein, Zinc, Calcium Chicken-Zinc, Protein, Iron, Vitamins, Minerals 1. Go: Carbohydrates Nourishments wealthy in starches, or â€Å"Go† food sources, give solid vitality. â€Å"Go† nourishments incorporate bread, grains, pasta, potatoes and rice. Sugar containing nourishments are frequently high in B nutrients, fiber and other fundamental supplements, and are an essential wellspring of vitality for the mind. A competitor may eat a plate of pasta before an opposition to give her withâ the vitality to contend at her best. As per the Food Pyramid, created by the US Department of Agriculture (USDA), a sound eating regimen incorporates six to eleven servings of breads/grains every day. 2. Develop: Proteins Nourishments wealthy in proteins, or â€Å"Grow† nourishments, are food sources basic for development and sound body advancement. These incorporate milk and dairy items, eggs, meat, fish, nuts, beans and avocados. Proteins fortify the bones and assemble sound muscles. â€Å"Grow† nourishments keep the heart solid, and help fix and brace body tissues. Protein nourishments are frequently plentiful in nutrients and minerals. For example, salmon is high in calcium, magnesium, Vitamins D and E, and Omega-3 unsaturated fats. The USDA Food Pyramid prescribes a few servings of dairy nourishments, and 2-3 servings of non-dairy proteins every day. 3. Gleam: Fruits and Vegetables Leafy foods, or â€Å"Glow† nourishments, improve the sparkle of skin and hair. Gleam nourishments, for example, spinach, broccoli, oranges and plums are high in fiber, nutrients and minerals. Solvent fiber, for example, prebiotics help sustain the neighborly microorganisms (probiotics) in the digestion tracts to energize sound processing. â€Å"Glow† nourishments are likewise wealthy in significant cancer prevention agents. Cell reinforcements incorporate nutrients E, An and C, and minerals, for example, selenium. These assistance battle cell harm to keep the resistant framework solid.

The True Meaning of Essay Topics: the Plague by Albert Camus

The True Meaning of Essay Topics: the Plague by Albert Camus Things You Won't Like About Essay Topics : the Plague by Albert Camus and Things You Will Please note that in case the shipping address is incorrect and the order was shipped, based on the shipping option selected we might not be in a position to modify the shipping address until the order was returned. In the booklet are instructions on the best way to finish your membership application. Absolutely free Albert Camus the Plague essay samples can be found FreeEssayHelp with no payment or registration. Soon, the exact same cases appear in different corners of Oran. The particular two males get some type of short destroy to assist you move diving along with subsequently many get back so that it is possible to provide fantastic results. The play wasn't performed until 1. With these points considered, we have to comprehend the importance of the last assertion. Human nature is fallen and therefore it's not necessarily v ery good at all times. Essay Topics : the Plague by Albert Camus - Overview The cost of an essay is dependent upon the quantity of effort the writer has to exert. Citations and extracts from assorted sources have to be formatted properly. Still, every one of them would show up in the overall list. Includes quotes, extensive links and an extensive bibliography for more references. Top Essay Topics : the Plague by Albert Camus Secrets The Plague is an instance of an allegory. Albert Camus visited the USA in 1946. Death is almost always a collective catastrophe since it is humankind's collective fate. Oran's inhabitants are receiving restless. Soon the quantity of coffins is insufficient in addition to burial-places. Later the authorities decide to create use of the crematorium and streetcars that haven't been working since exile. And we already understand when would be the appropriate minute. What Is So Fascinating About Essay Topics : the Plague by Albert Camus? Qui te often life is apparently constantly shutting down our finest efforts. You cannot create experience. Find something which interests you and delight in that practice. How can the notion of engagement work within the notion of the absurd. He's often not able to relate with the majority of the members in his family owing to his knowledge of science and experiences. Concepts like cooperation, joint work and solidarity are of key value to Camus. An individual might argue that in the event that you're always dwelling in the now, then it's not possible to plan the future to achieve your targets. It's a significant opportunity we have. Essay Topics : the Plague by Albert Camus: No Longer a Mystery The English proverb suggests the notion that the variety of people on the earth equals the range of minds. You will need to make your own meaning in life. Also within this calendar year, Camus started to work for Paris-Soir magazine. Absurdists believe it is futile to analyze the significance of life, since live has no meaning. On a personal note the most crucial premise of the philosophy lies regarding anthesistic existentialism. This kind of mundane repetition that all of us are subjected to was an ideal illustration of the Absurd Camus wanted us to learn how to cope with. The idea of exile and loneliness appears irrelevant to the great energy that arrives from every line written by Albert Camus. Camus character is honest and won't ascribe to something he fails to believe in, including a belief in God or religion. I found Camus creative style to be somewhat interesting. Camus wrote about how in this type of a revolution, even the manner murder is conceived through the opinion of justice becomes morphed. Albert Camus was a man of several great prospective prospects. In addition, he shows the way the journalist's desire to generate the most suitable choice isn't always obvious. Now that Christianity is the vast majority opinion in america there is less of a demand for the kind of encouragement and reassurance The Beatitudes offer. It is normal to provide a very clear view of earth after accepting the concept that it has to be clear. Through his actions Tarrou became an instance of the goodness feasible for someone to attain. Essay Topics : the Plague by Albert Camus Options Eventually, Watson cannot manage the collective horrors he's witnessed. There are several popu lar novels he had created. The author writes about absurdity of earth and human lives without being absolutely certain that the readers are in a position to understand his ideas on account of the range of meanings which can be applied. Rieux in addition to her co-worker Doctor. There's a good deal of foreshadowing in the start of the plague. All fantastic deeds and all excellent thoughts have a ridiculous start. There's scholarly debate concerning the connection between the 2 books. There's scholarly debate about the connection between both books.

Case Study Anxiety Disorders - 857 Words

Case Study Review Anxiety Disorders Case of Mary Anne: Client was shopping, an activity she enjoys, and during her outing she experiences signs of a panic attack. Symptoms: Heart Racing, Hands Shaking, Shortness of Breath, Cold Sweat This client currently exhibits / experiences four of the thirteen symptoms of a panic attack as defined by the DSM-IV (American Psychiatric Association, 2013). The brief case study did not address how long or how often the client had been experiencing the symptoms. To accurately diagnosis a person with Panic Attack Disorder it is necessary for the individual to have experienced physical symptoms along with the one of four concurring behavioral symptoms. Behavioral symptoms examples: individual has a persistent worry of the attack happening again or exhibits a significant change in behavior related to the attacks. The individual also has no known substance abuse or medical condition and the panic disorder is not explained by another mental disorder. The symptoms must be ongoing for at least a month. This client expressed a behavior change stating she no longer could go to her favorite stores without the fear of an attack, thereby displaying avoidance. The client also expressed her ong oing fear of the reoccurrence of these attacks. The DSM-V defines the diagnostic features of a panic attack as an abrupt surge of intense fear (American Psychiatric Association, 2013, p. 214). The pattern for this client: the thought of shopping causes her feelingsShow MoreRelatedCase Study Separation Anxiety Disorder3579 Words   |  15 PagesTreatment of Separation Anxiety Disorder CASE STUDY 6 CLIENT DETAILS Diagnosis: Separation Anxiety Disorder. Age: 6 years. Client Gender: Male. Initial Consultation: 20th May 2011. Number of Sessions: 12 sessions. Place of Treatment: The agency. Treatment Approach: Cognitive Behavioural Therapy. Treatment Mode: Weekly one hour sessions. 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Very little knowledge is known about the study of anxiety disorders from childhood to adolescence and throughout life. Childhood anxiety disorders have received little to no attention, until 2004 when longitudinal studies explored theRead MoreLong Term Effects of Childhood Separation Anxiety1230 Words   |  5 PagesSeparation Anxiety Abstract This report delves into the connection between childhood separation anxiety disorder and the long-term implications that it may have. To understand the connections I preformed secondary research through â€Å"Academic Search Complete†. I found that childhood separation anxiety disorder is connected with serious mental disorders, such as anorexia, bulimia, social phobias, depression, and behavior disorders. Many studies have shown that childhood separation anxiety disorder is linkedRead MoreThe Link Between Anxiety And Depression1717 Words   |  7 Pagesdifferent mental disorders, anxiety and depression, obtain more in relation everyday. Although each can have different causes and characteristics they share many common ones. Strong links throughcertain illnesses and disorders like asthma and headaches are being configured through specific chemicals in the brain. Two examples being serotonin receptors and corticotropin releasing factor receptor1. Certain combinations of the t wo can lead to a change in energy leveles causing both anxiety and depressionRead MoreFactors Affecting The Development Of Anxiety Disorders1597 Words   |  7 Pagesdo familial factors contribute to the development of anxiety disorders?’ 1.0 Introduction Anxiety disorders are forms of psychiatric illnesses that result from consistent and excessive anxiety, marked by an individual’s emotional and/or physical anguish. Familial factors can heavily contribute to the development of an individual’s anxiety disorder/s, when their genealogy possess a history of traumatic experiences such as childhood abuse. Studies of behavioural epigenetics have shown that when ancestorsRead MoreSocial Anxiety Disorder And The Speech Of The Individual ( Asha )1527 Words   |  7 PagesIntroduction Stuttering is a fluency disorder that affects the speech of the individual (ASHA). Stuttering causes interferences in the speech that are signified as â€Å"disfluencies† (ASHA). These disfluencies may be presented in different ways. There may be repetitions of words, pauses, prolongation of words, and/or may include multiple â€Å"ums† in the speech (ASHA). These interruptions in speech may negatively affect the communication of individuals who stutter. Many times, the individuals is aware ofRead MoreThe Effects Of Mental Health Counseling On Children Essay1539 Words   |  7 Pagescan be an important and useful tool in overcoming obstacles in life. The loss of a loved one, dissatisfaction in a career, anxiety in social situations, and the misuse and abuse of substances are all reasons someone may seek professional help from a clinician. The problem with these examples is that these are mostly â€Å"adult† issues. What happens is a child is suffering with anxie ty in the classroom or a sadness they can’t shake? Children and adolescents are often thought to be carefree and absent ofRead MoreWhat are Anxiety Disorders?1593 Words   |  6 Pages ANXIETY DISORDERS Introduction: Anxiety disorders are a constellation of mental disorders which is marked by extreme feelings of apprehension and trepidation. It is a syndrome which has both physical and psychological modules. Psychological symptoms include anxiety that is beyond the control of the subject, impatience, disturbed sleep patterns, difficulty in staying focused, and hypervigilance. Physical symptoms include sweating, palpitations and dry mouth. Although a bit of apprehension is

Essay on Geoffrey Chaucer - 778 Words

Geoffrey Chaucer Geoffrey Chaucer was a poet, a writer, and of course a diplomat. Geoffrey Chaucer was born in the early hours of 1340s to John Chaucer, a vintner and assistant to the kings butler. As a boy, he was a leaf to the Countess of Ulster. (Lombardi) Chaucer was the most famous for writing his unfinished Canterbury tales. (Geoffrey Chaucer) He was born in London, only problem is, the exact date and place are unknown. From his writings Chaucer emerges as poet of love, both worldly and heavenly. No information exists about his early education, although without a doubt he would have been as good in French as in the Middle English of his time. (Bio.True Story) Chaucer pops up in the record books in 1357 he was working for the queen.†¦show more content†¦Some people collected the sixteenth-century editions of Chaucers Works. He set the goal line for all other English authors, including, presentation, quality and success of actually printing. (Geoffrey Chaucer) When these versions of his poems were printed, that was the time where Geoffrey Chaucer truly became famous.(Geoffrey Chaucer) It was in Chaucers final phase, which he gained his popularity, The Canterbury Tales (written mostly after 1387). The Canterbury Tales was an unfinished poem. Being his most successful, it consists of 17000 lines. It was one of the most unsullied works in all literature. (Info Please) The Canterbury Tales is a collection of stories written in Middle-English. As a group of pilgrims travels to the shrine of Saint Thomas they decide to tell stories to each other on the way. In a huge list of poems and stories, the Canterbury Tales is Chaucers most important and visual, and a stacking achievement of western culture and Old English times. While writing the Canterbury tales he use the characters and their lifestyles to create irony and every day events. Describing what the old English church was really like. (Geoffrey Chaucer) The Canterbury Tales were written in Middle English, in the old days, the tone was equivalent to London type style. Although there was never an official copy of the Canterbury tales, Adam Pankhurst made sure that wasn’t true. Chaucers second period (up to c.1387) is called his Italian period because during this timeShow MoreRelatedThe Wife Of Bath, By Geoffrey Chaucer1091 Words   |  5 Pagesdominated society. â€Å"Millions are condemned to a stiller doom than mine, and millions are in silent revolt against their lot.† As Charlotte Brontà « and many other authors have found, it is seemingly unfair that these roles are the way they are. Geoffrey Chaucer also explores this reality with his creation of the Wife of Bath’s Tale. Although her thoughts may have been a bit different from Brontà «Ã¢â‚¬â„¢s, the character portrayed in this tale explores the duality of both challenging and upholding the patriarchyRead MoreThe Canterbury Tales, by Geoffrey Chaucer1582 Words   |  7 Pages Geoffrey Chaucer wrote the Canterbury tales a collection of short tales in the 14th century. The compilation of stories are told by different characters within the narrative as part of a game proposed by the host. Each individual must tell two stories on their journey and two stories on their way back. Each story tells some aspects of English life during the time and often added satire like qualities to the English life. In particular Chaucer often tells stories with elements of the relationshipRead MoreThe Wife Of Bath, By Geoffrey Chaucer880 Words   |  4 Pagessocial philosophies. These women are guided by desires, independence, and progress notions. These conflicting depictions of social and individual concepts, within female characters, illustrates feministic divergences within specific writings of Geoffrey Chaucer, the Pearl Poet, and Margery Kempe. In Chaucer’s frame story The Canterbury Tales, the account of â€Å"The Wife of Bath† demonstrates a mixture of feminine ideas. The prologue of to the tale shows a complexity of medieval female characteristicsRead MoreThe Canterbury Tales By Geoffrey Chaucer2127 Words   |  9 PagesIt is unknown when Geoffrey Chaucer wrote The Canterbury Tales, but it is assumed that he wrote it in 1387. There are many different aspects and themes throughout this paper that are very prominent. One theme that is very important is the importance of company. This entire tale is about twenty-nine pilgrims who all tell tales while on a pilgrimage to the shrine of Saint Thomas Becket in Canterbury. The importance of company is that this is a pilgrimage that requires companions and friendship. ThoughRead MoreThe Canterbury Tales By Geoffrey Chaucer2664 Words   |  11 PagesThe Canterbury Tales The Canterbury Tales was written by Geoffrey Chaucer in 1392, during the medieval period in Europe. Three important aspects, his family’s ties to the court, his schooling and working for royalty (XI), and his love for reading and learning (XII) all combined and enabled him to create his greatest work, The Canterbury Tales. Chaucer includes many different characters, pilgrims, all from very unique walks of life. Although there are not as many women included as men, their storiesRead MoreThe Canterbury Tales By Geoffrey Chaucer2648 Words   |  11 PagesThe Canterbury Tales was written by Geoffrey Chaucer in 1392, during the medieval period in Europe. Three important aspects, his family’s ties to the court, his schooling and working for royalty (XI), and his love for reading and learning (XII) all combined and enabled him to create his greatest work, The Canterbury Tales. Chaucer includes many different characters, pilgrims, all from very unique walks of life. Although there are not as many women included as men, their stories give some extraordinaryRead MoreThe Canterbury Tales By Geoffrey Chaucer1073 Words   |  5 PagesIn The Canterbury Tales, Geoffrey Chaucer introduced and described a variety of fictional characters that lived in the Middle Ages. It was the time period that European civilians were governed by a system called feudalism. Where kings were the head of the system and everyone was categorized in social classes. In the prologue of The Canterbury Tales the first character introduced was the knight. Geoffrey Chaucer depicts the knight correctly by characterizing him as a chivalrous and honorable man,Read MoreGeoffrey Chaucer s Impact On Literature1231 Words   |  5 PagesGeoffrey Chaucer’s Impact on Literature: English poet Geoffrey Chaucer is acclaimed to be one of the best and most influential poets in history. Geoffrey Chaucer wrote several famous literary works in what is called middle English. Geoffrey Chaucer was born in 1340 in London, England. Over the course of Chaucer’s life, he entered and exited several different social classes. He began to write his most known pieces when he became a public servant to Countess Elizabeth of Ulster in 1357. He diedRead MoreCanterbury Tales By Geoffrey Chaucer1380 Words   |  6 PagesCanterbury Tales Canterbury Tales written by Geoffrey Chaucer was a story of not the people themselves but a social statement of how the people of higher standing were viewed by the middle class. In the time that Canterbury Tales was written it was a time of corruption of the Church. There were many clergy members that were mentioned in this story. Each of the characters was unique in the way they went against the standards they should be held to. The most interesting this story was definitely TheRead MoreThe Wife Of Bath, By Geoffrey Chaucer1251 Words   |  6 PagesBath, emphasizing â€Å"The Prologue of the Wife of Bath’s Tale† and the â€Å"The Prologue† in Geoffrey Chaucer s Canterbury Tales, is an example of the Middle English concept that male authors reflect misogynistic ideals of society onto female characters.With the Wife of Bath, she is a fictional character, as told by Chaucer, going on a Pilgrimage, with constant ridicule for her sexuality and multiple marriages. C haucer portrays her as a previously battered wife who uses her sexual promiscuity as a way of

My Education free essay sample

Through the years, I have achieved the most success when encouraged and surrounded by role models. This became apparent when I moved to Cameroon, West Africa from my home in the United States. As a first grader in the United States, I was placed in the slowest reading group at the recommendation of my teacher. At six I moved to my fathers village in Cameroon and attended one of the best private schools in the country. I quickly became one of the top students and maintained this position through my eight years of primary education. During my years at boarding school I endured the rigorous academic schedule of the British system. Taking 13 courses per semester, I became trilingual in English, French and my tribal dialect: Bali, all of which I still speak today. I received the most encouragement from my assigned big brother who had already faced the obstacles I was to face. We will write a custom essay sample on My Education or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page One reason for my performance was the support of my village given to me and all my young black colleagues. We had high expectations for ourselves and reached each of them. However, war and a diminishing economy forced me to move back to my birthplace, the United States. Upon my return, I was encouraged to repeat the eighth grade. This setback became my initiation to a society that portrays black males as uneducated gangbangers. Despite my records, the school administration believed I was too young to enter high school. My fellow students began to call me Will, although my birth name is Nyemgaga. They claimed they could not pronounce Nyema (my nickname) and, as they redefined me, I redefined myself. Arriving here as a young adolescent, I felt the need to fit into society. Soon, I began to wear my pants halfway down my waist and my own expectations began to lower as well. I made myself into the perfect stereotypical black juvenile, the same juvenile the media portrays. Unfortunately, if you stay in a costume too long, it begins to be what you are on the inside, as well as in the outside. Today, through personal achievement (which I owe to my supportive family and church), I have managed to step out of my costume. I forced my teachers and friends to call me Nyema. I even took the time to explain the meaning of my name, which is I did not ask to be king, but I am. I now sit in the front of my class, and both my pants and my expectations are higher. The ammunition I use to fight the stereotypes is knowledge. The knowledge that has helped me most is African-American history. Knowing that I come from a lineage of strong brilliant ancestors has made me want to become a visible role model in my community. I want to continually dispel the negative stereotypes against black males. My Education free essay sample It was an obscure, undiscerning moment; the unwanted devil had finally arrived after the tough three years I have struggled through high school. Since his arrival, the question of What should I write for my college essay? became very flustering to me. Day by day, the devil mumbled repeatedly in my conscious that I do not have much time left to compose my essay. With the small amount of remaining time, I decided to gather all the important topics to formulate this paper: significant experience, importance in my life, a person who has influenced me, such and such In conclusion, I ended up with this paper It was not very long ago; May 27, 1990, the exciting, unforgettable, and yet, melancholic time of my life; my plane to America was about to depart. Goodbye, goodbye to my beloved family, my friends, and Hong Kong, the land that is filled with my childhood memories, Goodbye was the last word I said silently within my heart. We will write a custom essay sample on My Education or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page Time in America was not easy for me, especially as an immigrant. Not only was I treated with discourtesy, I was also part of their amusement. How could the world be so cruel, putting my life in despair. Opportunely, I met him. His arrival enlightened my existence, the caring and tenderness he presented touched me to believe in miracles. Once again, I came alive. As time went by, my ambition grew. During my high school years, I participated in various activities, within school, out of school, and also during each summer time. I devoted most of my time to education because I believe one must persist in order to succeed. Perhaps, I should say thank you to them, the ignorant ones. If it was not them mocking my defective English, and putting me in an uncomfortable position, I would not have strengthen my enthusiasm. After years of effort and development, the time for college has finally arrived. It is time to make my parents proud, and more importantly, time to fulfill my interest and to prepare for a promising future. Unwarily, the devil has diminished.

Rousseau And The Ideal Society Essays (202 words) - Deists

Rousseau And The Ideal Society Rousseaue and the Ideal Society Has the progress of the arts and sciences contributed more to the corruption or purification of morals? Rousseau criticized social institutions for having corrupted the essential goodness of nature and the human heart. Rousseaue believed that by becoming civilized, society has actually become worse because good people are made unhappy and are corrupted by their experiences in society.. He viewed society as articficial and corrupt and that the furthering of society results in the continuing unhappiness of man. He also argued that the advancement of art and science had not been beneficial to mankind. He proposed that the progress of knowledge had made governments more powerful, and crushed individual liberty. He concluded that material progress had actually undermined the possibility of sincere friendship, replacing it with jealousy, fear and suspicion. In his Discourse on the Origin of Inequality he elaborated on the process of how social institutions must have developed into the extreme unequal rights of aristocratic France where the nobility and the church lived in luxury while the poor peasants had to pay most of the taxes. And in his Discourse on Political Economy he suggested remedies for these injustices. Political Issues

An Overview of Municipal Waste and Landfills

An Overview of Municipal Waste and Landfills Municipal waste, commonly known as trash or garbage, is a combination of all of a citys solid and semisolid waste. It includes mainly household or domestic waste, but it can also contain commercial and industrial waste with the exception of industrial hazardous waste (waste from industrial practices that causes a threat to human or environmental health). Industrial hazardous waste is excluded from municipal waste because it is typically dealt with separately based on environmental regulations. Five Categories of Municipal Waste The second category of municipal waste is recyclable materials. Paper is also included in this category but non-biodegradable items like glass, plastic bottles, other plastics, metals and aluminum cans fall into this section as well. Inert waste is the third category of municipal waste. For reference, when discussed with municipal waste, inert materials are those that are not necessarily toxic to all species but can be harmful or toxic to humans. Therefore, construction and demolition waste is often categorized as inert waste. Composite waste is the fourth category of municipal waste and includes items that are composed of more than one material. For example, clothing and plastics such as childrens toys are composite waste. Household hazardous waste is the final category of municipal waste. This includes medicines, paint, batteries, light bulbs, fertilizer and pesticide containers and e-waste like old computers, printers, and cellular phones. Household hazardous waste cannot be recycled or disposed of with other waste categories so many cities offer residents other options for hazardous waste disposal. Municipal Waste Disposal and Landfills Today, landfills are engineered to protect the environment and prevent pollutants from entering the soil and possibly polluting ground water in one of two ways. The first of these is with the use of a clay liner to block pollutants from leaving the landfill. These are called sanitary landfills while the second type is called a municipal solid waste landfill. These types of landfills use synthetic liners like plastic to separate the landfills trash from the land below it. Once trash is put into these landfills, it is compacted until the areas is full, at which time the trash is buried. This is done to prevent the trash from contacting the environment but also to keep it dry and out of contact with air so it will not quickly decompose. About 55% of the waste generated in the United States goes to landfills while around 90% of waste created in the United Kingdom is disposed in this manner. In addition to landfills, waste can also be disposed using waste combustors. This involves the burning of municipal waste at extremely high temperatures to reduce waste volume, control bacteria, and sometimes generate electricity. Air pollution from the combustion is sometimes a concern with this type of waste disposal but governments have regulations to reduce pollution. Scrubbers (devices that spray liquids on smoke to reduce pollution) and filters (screens to remove ash and pollutant particles) are commonly used today. Finally, transfer stations are the third type of municipal waste disposal currently in use. These are facilities that where municipal waste is unloaded and sorted to remove recyclables and hazardous materials. The remaining waste is then reloaded onto trucks and taken to landfills while the waste that can be recycled for example, is sent to recycling centers. Municipal Waste Reduction Composting is another way cities can promote municipal waste reduction. This type of waste is comprised solely of biodegradable organic waste like food scraps and yard trimmings. Composting is generally done on the individual level and involves the combination of organic waste with microorganisms like bacteria and fungi that break down the waste and create compost. This can then be recycled and used as a natural and chemical free fertilizer for personal plants. Along with recycling programs and composting, municipal waste can be reduced via source reduction. This involves the reduction of waste through the alteration of manufacturing practices to reduce the creation excess materials which get turned into waste. The Future of Municipal Waste To further reduce waste, some cities are currently promoting policies of zero waste. Zero waste itself means reduced waste generation and the 100% diversion of the remainder of waste from landfills to productive uses via materials reuse, recycling, repair and composting. Zero waste products should also have minimal negative environmental impacts over their lifecycles.

The organization of financial (debt, equity, foreign exchange, Essay

The organization of financial (debt, equity, foreign exchange, derivative) and commodity markets and their role in international trade and economic performance - Essay Example At maturity of specific time period, the bond issuers not only repay the principal amount of debt but also the periodical interest payments to the bond holders (Berk and Martin, 2011). Stocks are the equity instruments mainly issued by the corporations for an indefinite time period. Stockholders become the owners of the corporations and play a key role in the decision making process of the company. Stock holders can buy and sell the stocks in the stock market such as New York Stock Exchange, London Stock Exchange etc. (Babu, 2012). Foreign exchange market deals in the currencies of various countries such that it provides the mechanism for trading the foreign currencies. The difference between the buying and selling price is called as the spread which is the profit of the trader. Foreign currency markets work round the clock thus, minimizing the arbitrage opportunities (Sheeba, 2011). Derivatives are the hedging instruments which provide the holders the opportunity to mitigate the risk against the undesired movements of financial securities. Common types of derivatives include forwards, futures, swaps, and options (Brigham and Ehrhardt, 2008). Commodity market comprises of various commodities such as metals, energy, foods, etc. These commodities are regulated by the commodity exchanges such as New York Mercantile Exchange (NYMEX) and Chicago Mercantile Exchange (CME). Financial markets and commodity markets are the major indicators of the international economic prosperity such that in times of booming periods, the prices of the instruments traded under these markets are at their peak whereas in times of depression, these prices steeply

Developmental Psychology Essay Example | Topics and Well Written Essays - 500 words - 2

Developmental Psychology - Essay Example some people had turned out not to be extraordinarily uncomfortable or disagreeable, thereby tending to suggest that the theory of midlife crisis as a â€Å"universal age-related stage† is a myth. The text categorically states that most of the adults who go through some sort of crisis at this stage suffer from general psychopathological problems. Aside from this, adults experience some sort of fundamental change characterized by generativity at some point in their lives, but nothing approaching a universal crisis-level event. The transition rather takes the form of unique challenges and issues, which may be successfully negotiated by ego resilience. The age at which these transitions occur is not predictable, as such transition does not seem to be age-related (Kail & Cavanaugh, 2008). Some people may experience midlife crisis while others may not because individuals deal with the challenges and issues in different ways. Midlife crisis may be different for men and women. Women tend to perform the role of â€Å"kinkeeper† (one who keeps the family together), and therefore would experience midlife crisis more when the older generation becomes dependent and dies, or the younger generation become adults and leave the family home. Women tend to feel the crisis more with respect to their children, and men with respect to their parents. The changes are biological, sociological and psychological. Women experience the climacteric, a biological process during which menopause takes place. Men’s biological changes are more gradual. The hormonal changes cause responses in people’s psychological makeup. The changes for both genders are likewise sociological, because both men and women redefine their roles, in accordance with their cultural background, together with the loss of responsibility to children and to parents who pass on. (Kail & Cavanaugh, 2008:493). Question 2--- Drawing upon material from the text, respond to the following questions: How have workplace

Financing SME Essay Example for Free

Financing SME Essay The definition of Small Medium scale Enterprises (SMEs) varies from country to country. The classification can be based on the firm’s assets, number of employees, or annual turnover along with the loan amount. Central Bank of Sri Lanka defines SMEs as enterprises with less than Rs. 600 million turnover per annum and with a maximum exposure of Rs. 200 million mainly to be classified as a SME for Basel II Capital adequacy calculation and utilization of funds accumulated in the Investment Fund Account in Banks. Whatever the definition, and regardless of the size of the economy, the growth of SMEs throughout the region is crucial to growth of respective economies. Because, SMEs play a critical and important role in providing job opportunities, enhancing the quality of human resources, maximizing the use of local resources, saving foreign exchange, nurturing a culture of entrepreneurship, fostering creativity and opening up new business opportunities etc. Most corporate organizations in Sri Lanka or elsewhere are the establishments started as SMEs in its early stages. Classic examples from our own country may be Nawaloka Group, Access International, Softlogic Group of companies. In most literature, it is mentioned that access to financing has been recognized as a major impediment for many SMEs and its growth, whereas corporate business entities have the advantage over the SMEs in doing so primarily as a result of their formalization. However, according to Juliet Mckee and Kimball Dietrich (2003), most common problems for SMEs are the lack of access to market information and technology, the low quality of human resources and the lack of access to capital. Despite efforts by financial institutions and public-sector bodies to close funding gaps, SMEs continue to experience difficulty in obtaining risk capital. These funding gaps relate to firm size, risk, knowledge, and flexibility. The development literature focus a good deal of attention on issues faced by SMEs in accessing finance. Traditionally, the focus is on obstacles created by financial institutions, mainly by commercial banks or on imperfections in the broader institutional environment. However, SMEs also make decisions about financing and display attitudes that have an important bearing on financing decisions. Therefore, constraints may also appear on the â€Å"demand side† of the financing market. Objective of this article is to discuss the key challenges and issues for bankers pertaining to SME lending, of which, part of them are inherent in SMEs and for others bankers are responsible. 1. Issues of SMEs 1. 1 Lack of financial literacy or weak financial literacy In the literature, lack of financial literacy is designated as informational asymmetries where SMEs typically posses privileged information on their business that cannot be easily accessed or cannot be accessed at all by lenders or outsiders. Reasons for this may vary and also have different perspectives. SMEs are mainly driven by entrepreneurs who have nurtured in their own ways to prospective SMEs. As a result of hard ways of development, they either had no time to devote further education or do not believe in learning. This is evident from the credit applications that are submitted to banks for financing. This eventually leads to low levels of financial literacy among entrepreneurs. Financial literacy is the ability to understand how money works in the world: how someone manages to earn or make it, how that person manages it, how he/she invests it (turn it into more) and how that person donates it to help others. More specifically, it refers to the set of skills and knowledge that allows an individual to make informed and effective decisions with all of their financial resource. Though many SME owners are sound in developing business models and working out the profitability of products and services, understanding about the macro picture of the SME’s overall financial standing in terms of profit and loss account, balance sheet and cash flows is week. As a result, they sometimes opt to resort to outsiders or merely depend on themselves in preparation of financial information which may or may not reflect the actual picture of the SMEs. Because of this impediment, banks have no choice, but to depend on collateral for SME financing. At the backdrop cash flow lending is encouraged, financial institutions are struggling to project the SMEs’ sustainable bankability. This is recognized as the main obstacle for banks and financial institutions in financing SMEs. One of the options to counter this impediment is the concept of â€Å"Para accountant†. A Para accountant is an external consultant who uses finance, economics, risk management and technology skills to help organizations prepare and report financial and tax statements according to accounting principles and regulatory requirements. A Para accountant also may review a firms internal controls, processes and procedures to ensure that such controls are adequate. A Para accountant may work on a clients site or remotely. They are not necessarily qualified accountants, however, might be an option. Bankers’ prime objective in this endeavor is to develop reliable sources of information so that they could project the sustainable cash flows of the business. With this objective banks could train their credit appraisal officers as Para Accountants, who will interacts with prospective SMEs and develop a set of financial information while strengthening the banking relationship over a period of time. 1. 2 Entrepreneurs’ knowledge about building a prospective banking relationship A banking relationship is about much more than just selecting a bank to handle a company’s bank accounts. If the relationship is managed well, it can help a company to thrive. SMEs that use more than one bank will need to manage multiple banking relationships. A company will first have a business account (or several) at a retail bank (or banks) for all day-to-day financial transactions. Whether it is retail, SME or corporate, the banks should have a team of business banking advisers on hand, to advise and guide a company. It’s important to ensure continuity— banks usually offer a contact with a designated person and in turn expect to deal with the same person or persons from the company. A good banking relationship depends not only on personal rapport, but also by having a solid understanding of the company and its financial needs. Over time, a banking adviser should build up a good understanding of the company’s preferred ways of doing business and incorporate that into how their banking requirements are handled. There are many advantages having a sound banking relationship for SMEs. The bank is more likely to offer loans and other lines of credit, potentially at preferential rates of interest, if the bank advisers feel there is a good relationship with the company. The bank’s advice can be tailored for the company’s needs and personal style, rather than given generically. In times of crisis, a company having its bank’s support will be crucial. Even if a company is a text-book case of insolvency, strong personal rapport with a company representative means that the bank is more likely to offer leeway if it knows that directors are doing their utmost to keep the company going. Failure to develop a strong relationship, however, means that the SME is likely to miss out on good advice and, crucially, support in times of difficulty. However, unfortunately, many SMEs are not on the right track to understand the importance of having a good banking relationship. Given that no sound financial information are available, at least, SMEs should try to maintain a healthy customer relationship with the financial institution to entice financial needs, especially in difficult periods. It is both Bankers’ and SMEs’ responsibility of developing a prospective banking relationship over a period of time without compromising risk capital. More than the credit facilities, credit plus would be reasonably appropriate to start such a relationship and then move into advanced levels of relationships along with credit facilities. 1. 3 Financial discipline of entrepreneurs As Henry Ford correctly cited, â€Å"Wealth does not come accidently. You have to plan for it. † One’s discipline explains the right behavior and ability to take decisions without emotions. Hence, financial discipline is all about right financial decisions. In order to be financially discipline one should understand concepts of accounting and financial management in SME business. Accounting in general is all about record keeping and developing summary financial reports. Most commonly available financial reports or information are the profit and loss account, balance sheet and the cash flow statement. Unless SMEs keep records of their daily activities, it is difficult to develop financial statements with regard to their businesses. With no financial statements, SMEs will always struggle in making financial decisions. More often, there is no clear distinction between the business finance and the finances of the proprietor. Therefore, it is critical that the lender examines carefully borrower’s all commitments, i. e. , those related directly to the business and those associated with the proprietor’s private life and assets. Lack of Business Planning is a result of weak financial indiscipline in SMEs where investment decisions, working capital decisions, even pricing decisions are based on the entrepreneurs’ values than on facts. The lack of proper financial discipline results in incorrect business decisions, which hampers the sustainability of the SMEs. MacRobert (2002), in his SME manual explains why SME borrowers are different to commercial and corporate borrowers. One of the common reasons is unskilled/ untrained principals. Many SME principals in the Asia-Pacific region are self-starters, often with limited formal education, and minimal training in business management skills. That is not to say that they are incompetent, but that they often lack the capacity to research information on ways to strengthen their businesses, and, indeed, to be aware that such resources even exists. Role of the bankers in this regard is to educate the importance of financial discipline through strong banking relationships. Bankers are one of the key sources, to get SMEs to believe in financial discipline. Bank officers should take the initiatives in this endeavor to educate the SME owners. Role of the Government is also a key imperative in developing required conducive environment through institutional and policy frameworks. Some universities in Sri Lanka have already started dedicated departments to teach courses related entrepreneurship. (Example: University of Sri Jayewardenepura and University of Colombo) and It is important to note that Business studies is part of the GCE A/L curriculum. Recent budget proposals in 2011, 2012 and 2013 has given enough support to encourage SMEs and SME financing and one of the very useful proposals was to direct government banks to set up dedicated SME Branches not only to facilitate SMEs with easy access to finance, but also to educate SME owners and to guide and direct them to right places and people. However, strengthening the institutional framework to develop business development support services is also an imperative. 2. Issues with Banks SMEs are not only critical to the economy, but also to the banks’ profitability. Most diversified banks maintain a substantial percentage of exposure to the SMEs as a strategic investment given the diversity within the SME portfolio itself. It is always profitable, but need to properly evaluate and closely monitor the delinquencies to avoid any credit risks. It is a perception as well as a fact sometimes, that SMEs are always highly risky as explained by many banks. It may be due to several factors including, non availability of financial information, no tax returns, no collateral, one man show, highly sensitive to economic conditions, no proper organizational structure, and many more. These are reasons given to avoid or very conservative underwriting of SME credit proposals. As a result of these reasons, credit policies of financial institutions are based on stringent credit guidelines. 2. Institutional framework with hindering process issues In the case of many developing countries, the above mentioned obstacles to SME financing are exacerbated by institutional and process factors. Most developing countries are still highly concentrated and have uncompetitive banking sectors. This reinforces the tendency to adopt conservative lending policies. Credit policies which mainly cover the credit risk and market risk, endorse a processes which covers many elements to secure exposure, while satisfying the regulator’s requirements. This eventually results in a value driven Credit culture in financial institutions. According to MacDonald and Timothy (2006), management’s credit policy determines how much risk the bank will take and in what form. A bank’s credit culture refers to the fundamental principles that drive lending activity and how management analyzes risk. There can be large differences in their lending philosophy. The three potentially different credit cultures are: values driven, current profit driven, and market share driven. The institutional framework is reflected through the credit policy in this part of the world, the tendency is to inculcate a value driven credit culture, which has the following attributes: Focus is on credit quality with strong risk management systems and controls Primary emphasis is on bank’s soundness and stability and a consistent market presence Underwriting is conservative and significant loan concentrations are not allowed. Typical outcome is lower current profits from loans with fewer loan losses It is evident with lower non- performing ratios prevailing in banks justifies that credit risk is covered with loan risk mitigation factors and discourage granting venture capital to SMEs. Eventually, SMEs need to resort to acceptable securities which hinders them from easy access to finance from financial institutions. 2. 2 Collateral syndrome (Risk avert) Strong value driven credit cultures in financial institutions always tighten the belts in covering credit risk. Unless the financial institutions develop competencies in cash flow based lending, credit officers have no choice but to cover themselves with collateral in risky SME lending. Competencies itself will not drive the business unless the risky lending is rewarded with challenging business targets. Security based lending propositions are gradually becoming unhealthy for economies as it discourages strategically important investment decisions. Government of Sri Lanka recently enacted legislations to ease the pressure on SMEs through amendment of Parate execution where normal civil procedure of debt recovery should be applied for loans below Rs. five million with security of property mortgages. 2. 3 Weak competency in building cash flow based lending propositions Strong value based credit policies encourage security oriented lending and creates knowledge gaps in credit officers. Security oriented lending does not require strict cash flow projections and credit evaluations. Developing cash flow projections is an art and requires overall knowledge about the industry, technology, external factors (external climate) and specific firms (internal climate) along with econometrics modeling to analyze the cash flows. When it comes to large projects, knowledge in project appraisals and risk analysis will help the credit officers to get exposed to project financing. At the backdrop of investor confidence and developing businesses in emerging economies, venturing into risky business propositions is in the agenda of the banking and financial intuitions. Financing SMEs are risky but at the same time profitable, so indeed banks need to develop how best they could mitigate the risk of these ventures. One of the options is to gradually develop a culture of SME financing with confidence through development of competencies in their credit officers. Competency development not only addresses econometric techniques of analyzing and evaluating the credit proposals, but also industry knowledge and exposure, experiences of sick industries and business units, world politics and world economics, knowledge in emerging markets and technologies, behaviors and issues of labor, understanding the entrepreneurship etc. Conclusion Many of the literature examine the issues of financing SMEs world over. However, there are key issues not only from the SMEs point of view, but also from the financial institutions and, government’s point of views. No one can expect the SMEs to nurture in best practices all by themselves. In this regard, the role of financial intuitions is greater, when it comes to inculcate and nurture SMEs in the right directions. The issues for SME financing discussed above are the keys, but there are many others which needs further discussions.

Philosophy of Teaching Essay -- Teachers Education Learning Essays

Philosophy of Teaching My goals as a teacher are to help students communicate effectively and foster a desire to learn. I believe these two characteristics are important for students to have because despite what problems they encounter or what situation they are in, the ability to communicate effectively will help them in working with others and the desire to learn will motivate them to make positive changes in their life. As a teacher, I want my students to become interested in learning, both in school and in their personal lives. With these two goals in mind, my role as a teacher is to help them acquire these skills and values. However, effective communication is one of the hardest tasks for teachers because we all communicate in different ways and through different means. This is why teachers also need the desire to learn because it will motivate them to learn more useful ways of communicating and connecting with the students. To help students attain these goals, a teacher who leads by example can demonstrate to students how to communicate to others. In addition, if teachers are excited about what they teach, they will create a better learning environment that will motivate the students to learn. My philosophy of teaching consists of these two traits because after they leave my class, I want them to continue their education with the desire to learn more and to communicate this desire and the skills they have obtained with others. As a future social studies ... Philosophy of Teaching Essay -- Teachers Education Learning Essays Philosophy of Teaching My goals as a teacher are to help students communicate effectively and foster a desire to learn. I believe these two characteristics are important for students to have because despite what problems they encounter or what situation they are in, the ability to communicate effectively will help them in working with others and the desire to learn will motivate them to make positive changes in their life. As a teacher, I want my students to become interested in learning, both in school and in their personal lives. With these two goals in mind, my role as a teacher is to help them acquire these skills and values. However, effective communication is one of the hardest tasks for teachers because we all communicate in different ways and through different means. This is why teachers also need the desire to learn because it will motivate them to learn more useful ways of communicating and connecting with the students. To help students attain these goals, a teacher who leads by example can demonstrate to students how to communicate to others. In addition, if teachers are excited about what they teach, they will create a better learning environment that will motivate the students to learn. My philosophy of teaching consists of these two traits because after they leave my class, I want them to continue their education with the desire to learn more and to communicate this desire and the skills they have obtained with others. As a future social studies ...

Romeo and Juliet Are Failed by Their Parental Figures, Discuss

Within the story of Romeo and Juliet the parental figures with responsibility over the children are not just the biological parents, however in the time when the play was written, this would have been normal for the rich, upper class families that the Montague’s and Capulet’s were. The parental figures over the two children change as their relationship between the two lovers develops and other events occur within their family lives.Juliet is the main focus of the changing in parental figures and this may be down to the failing of her by her nurse, at the start of the play the nurse is a vital role in her life, and Shakespeare shows this though Juliet confiding in the nurse. However, this is how the change occurs as we see Juliet feeling as she has been failed by nurse in these secretive chats. However Romeo remains with one strong figure in his life thought the play, Friar Lawrence, and although the outcomes of dramatic events this appears to remain the same thought out .Juliet and nurse have a strong bond at the beginning of the play, due to the relationship nurse agrees to help Juliet marry Romeo as nurse feels it is what Juliet really wants. However when lady Capulet wants Juliet to marry another man, late on in the play, the nurse advices Juliet to forget about Romeo and this is where the main start of Juliet feeling failed occurs.Juliet confides in her nurse for advice about Paris’ marriage proposal, but the trust between them breaks down when nurse says ‘I think you are happy in this second match, for it excels your first’ Juliet is angry at nurse for saying this as she wants the nurse to help her continue her love for Romeo. Feeling failed by Nurses lack of help she decides to go to Friar Lawrence for help, breaking her relationship with nurse.In this situation the Nurse may not have failed Juliet, as she only did what she thought was best for her, however through Juliet’s eyes, the nurse failed her by helping her with Romeo at the start but stopping when the situation developed. Juliet also feels let down by her father as he forces her to marry Paris even though she begs not to, and when she says ‘he shall not make me there a joyful bride’ meaning she will not marry Paris, he reacts angrily saying ‘Or I will drag thee on a hurdle thither. accusing her of treason for not wanting to do as her father commands of her. He thinks she should be proud and thankful that he has found her such a worthy husband. He is more concerned with her status, and that of his own, than he is her happiness. Juliet knows that she will get no help from her father in following her heart so she feels forced in to taking the desperate measure of faking her own death. Juliet is clearly let down by her father who should have listened to her and valued her happiness more.Romoe’s parents echo the relationship in the Capulet household between them and their children, as again their relationship is a distant one. So much so that Montague and Lady Montague don’t know what is wrong with Romeo when he is in depression over his unreturned love for Rosaline. However although they aren’t close to Romeo, he isn’t failed by his parents as there are still there for him ‘Could we but learn from whence his sorrows grow, we would as willingly to give cure as know. This is said by Montugue when he is asking Benvolio if he knows what is wrong with Romeo meaning he will put right what is wrong with Romeo if he knows what it is. So Friar Lawrence is a main parental figure though the play for Romeo throughout and for Juliet after her relationship with her nurse breaks down. Friar Lawrence really tries to help the couple. He marries them and helps Juliet develop a plan so that Romeo and Juliet can finally be together.He sends the ill fated message that never gets to Romeo and it is no failing of his that it does not reach him in time. However, despite all of his good i ntentions at the last he does fail Juliet, if he had not run away from the guards he may have been able to convince Juiet not to kill herself when she awakes from her drug induced death and finds Romeo dead beside her.In conclusion, Romeo and Juliet are let down by the parental figures in their lives. From the distant parents who care little for their happiness to the Friar and nurse who despite their love and devotion to the young people are ultimately not there for them when they need them most. Had the parental figures done a better job in supporting this young couple perhaps Romeo and Juliet would not be such a tragic love story.

Choosing A Career At Young Age - 743 Words

â€Å"Imagination is everything. It is the preview of life ´s coming attractions. (Albert Einstein)† Choosing a career at young age expands the imagination in one ´s mind. At the age of five, my imagination was expanding because that was all I thought about. Growing up to me meant there would be plenty of responsibilities that would have to be taken care of. This is something that our parents teach us while growing up. What is more important of those teachings is the significance. If you can pursue any career path, then do it without the ideas of others. This is what I did. The actions of others affect your thoughts. My elementary and middle school years changed my perspective of how my life would be while growing up. I experienced bullying and behaviors that left me surprised. There were careless teachers, rude comments of how I would grow up to be, and the words, â€Å"You will never be good enough† unspoken, but still meant. I would just think this was normal, b ut it would continue for years. Then bad things turn for the good. I was given the opportunity to start over by going to a new school. There I was exposed to the career of Criminal Justice. This is where I had my mind set. The past years of bullying affected my way of making decisions. I felt like I had to run my decisions through somebody. That somebody were my parents. Each one of our parents dream of their child ´s future, so I was hoping we both had the same thoughts. After being at my new school for one year, IShow MoreRelatedChallenges Students Face When Choosing A Career Essay1182 Words   |  5 PagesFace when Choosing a Career Today, choosing a career can be problematic especially within the new graduates, and the choice of career path is not always in our hands. 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