The Problems That Are Facing Our World Today Essays -

The Problems That Are Facing Our World Today The earth is considered as one of the most beautiful planets in the universe. It is the only planet in our galaxy that has enough water to support life. Unfortunately our planet is suffering due to many problems which should be solved before it is too late. The major problems that are facing our world today are population, pollution and animal extinction. One of the problems facing our world is population. It began about ten thousand years ago when the humans settled and began farming. The farming provides more food for the people thus making the population grow. Now we are about 6 billion in population and in a few years we will be around 10 to 11 billion. Therefore, our population will almost double in size. This means that we will need more food to support us. A study in 1986 by Peter Vitonesk, a Stanford biologist, showed that the humans are already consuming about 38.8 of what is possible for us to eat. Thus, if the population keeps increasing, the percentage will increase also, making us closer and closer to the biophysical limits. By studying the earths capacity, Dr. Cornell, another biologist, believes that we are already crowded for this would. He believes that our world can only support two million people. Not only this, but population can cause complicated problems to the countries with very high population. These countries will need more schools to educate its people, they will need more hospitals and public health to take care of their people, and they will need more water and more soil for farming to feed all the people. In order to solve the population growth problem, the people should be educated. Once the people are educated they will be aware of the problems they cause when they have more than two children. Therefore the next generation should be educated and aware of what is going around them. Pollution is another major factor that is threatening our world today. One example of pollution is nitrogen. Humans are adding about 130 to 150 million tons over the 90 to 150 tons that are produced by the nitrogen cycle. This excess in nitrogen causes coastal waters and estuaries to grow toxic algae, killing the fish and trapping the solar heat in the air. Another example of pollution is methane. Methane is produced by gases released by cows, termite mounds or by the bottom of rice paddy. If found in the air methane is very poisonous. By raising more cattle, cutting more tropical forests, thus increasing the amount of termites, and by growing more rice, the methane concentration in the air is almost twice as higher as it was 160,000 years ago. Smoke is another pollution factor. Smoke that is produced by cars contains carbon dioxide (CO2). This carbon dioxide in the air causes global warming, which results in the green house effect and climate changes. Satellite studies show that per haps we will increase the temperature by 3.6 degrees by the year 2001. The warmer the weather the more water it can hold, the higher the precipitation will be. The higher the precipitation the more clouds, the more rain, and the more snow there will be. This will result in more storms and floods. Studies by Thomas Karl of the National Oceanic and Atmospheric Administration showed that the total winter precipitation in the US has increased to about 10% since 1900. All these pollution factors result in raising the water level and melting of the icebergs. This means that the low land islands will be flooded with water. This is a very big problem because the water level will never go down and the icebergs will never grow back. Education of the people, their guidance, and effective law are major tools to compact pollution. The third major problem facing our world today is animal extinction. Animal species are dying off at a fast rate. There are two main reasons for animal extinction. The first reason for animal extinction is caused by humans. The humans have become every animals most dangerous rival. Humans carelessness, ignorance and greed caused many animals to disappear from our planet. Over hunting is one

Chain hotels and independent hotels Essays

Chain hotels and independent hotels Essays Chain hotels and independent hotels Essay Chain hotels and independent hotels Essay Executive Summary- Following the economic crisis in the last twosome of old ages, which has had an impact on all the concerns, has had an impact on the hotel industry every bit good. However, in order to last in the economic crisis, both the concatenation every bit good as the independent hotels have had to do assorted changes to its schemes and patterns in order to maintain their market portion by offering the best services to its clients while still endeavoring to last during the economic state of affairs. However, both concatenation A ; independent hotels have tried to vie to derive a competitory advantage and it can be said the Chain hotels have many advantages, but so make the mugwumps. In this study, we aim to critically analyze how Chain hotels and the schemes used by them are functioning to be better and demoing better public presentations than the independent hotels in this current slow economic system. Introduction- Cordial reception industry has being evolved since mediaeval century. Since so there has being considerable about of alterations and up-gradations in cordial reception industry. The cordial reception industries normally satisfy basic demands such as nutrient, vesture and shelter for travelers. Hotel industry developed from INN s to hotels in past decennaries. During the industrial revolution in mid of seventeenth century, coach travel became stylish and British authorities established postal service in England. In response legion hostel were developed to suit of all time increasing flow of travelers and regular reaching of postal managers. Colonial hostel were rapidly developed and earlier evolved as local, societal and political assemblage topographic points. Hotels provides varied types of comfortss and installations like saloon, eating houses, swimming pools, room adjustments, casinos, etc and concern installations like conference suites, feasts, etc. There are assorted types of hotels across the Earth harmonizing to their manner of service and category and besides depends upon ownership and association. Hotels are organised as into groups in ironss or franchise administration, Chain hotels or stand entirely s Independent hotels. In mid of 19th century, assorted cordial reception organisations took measure frontward and started spread outing their concern beyond their part to run into the planetary market. Then Brand construct came into consideration and so concatenation of hotels were established. Chain Hotels are those hotels which are operated under a same trade name name. There are assorted hotels across the universe, runing under a individual trade name, indistinguishable manner of service and similar policies and were managed by different belongingss. Independent hotels are those hotels which are owned and managed by itself, a individual ownership or in group of people. They make their ain constitution, put their ain trade name name and house. They do nt let portion their trade name name with any other house or constitution. They do nt hold association with other belongingss. Harmonizing to Kasavana and Brooks ( 1995 ) independent hotels have no identifiable ownership or direction association with other belongingss. In other words, independent hotels have no relationship to the other hotels sing to assorted policies, regulations and ordinances. A typical illustration of an independent belongings is a family-owned and operated hotel that is non required to conform to any corporate policy or process. Chain hotels normally impose certain minimal criterions, regulations, policies and processs to curtail affiliate activities. Several different constructions exist for concatenation hotels. A concatenation is stated as house which operat e under a direction or franchise group. STRATEGIC ADVANTAGES: Sing the selling and trade name acknowledgment, concatenation hotels made a good impact on planetary tendency. As they are affiliated and have web of hotels across parts, they able to capture a immense mark and so do a immense impact on consumers. Example- Mc Donald. Ronald Mc Donald is the one of most celebrated face of cordial reception industry. Sing independent hotels, their success is the owner, who efficaciously involves in community personal businesss, and set up good bond with many clients. They follow productiveness, and efficiency and covering gracefully with issues and model their constructs consequently the market demands and demand. Considering advertizement, concatenation hotels surplus advantage because of their national and international advertisement. ( Tom Powers and Clayton W. Barrows, debut to direction in cordial reception industry, 7th edition ) Chain hotels have strong capital entree compared to independent hotels. They have an advantage to increase their section and size of company. They enjoy a broad are following of scope of investors and stakeholders. In add-on they can raise fiscal financess through common financess, stock gross revenues, public markets, etc. They possess ready entree to capital. While in instance of independent hotels they have to well organise and work on concern programs and payments so as to act upon bank loans proposal to acquire cleared. They have to be relevant with few norms. Attracting outside equity capital involves in giving up a portion of ownership in the concern by selling stock. ( the SBA eating houses USA, November 1996, pp 16-19 ) Economic scheme rates concatenation hotels holding more advantages. However independent hotels issues might differ for in comparison to ironss, sing quality, operations, productiveness consistence. Merely long standing bond between the providers and independent hotelkeepers can turn out better advantage. Chain hotels use centralised cost control system as their female parent company policy and ordinances. However independent hotels are excessively able to buy POS systems that have standardized but extremely complex package. ( Mahmood Khan, eating house franchising, 2nd edition, New York ; John Wiley and boies ; 1999 ) Inexpensive, rapid enlargement: Lodging constitutions can rapidly turn the figure of belongingss under a trade name name given the comparatively limited capital investing required to publish concatenation hotel compared to developing belongingss on their ain. Profitable beginning of gross: Franchisors generates from the both initial fees upon understanding every bit good as ongoing royalty fees with grosss. In add-on, fees may besides be generated from extra services. ( George p Hartmann, Stephen Rushmore, Dana Michael Ciraldo, John Tarras, hotel investing enchiridion, Boston: Warren Gorham and Lamont, 1997, pp 18-1 ) Harmonizing to Porter ( 1979 ; 1980 ; 1985 ) , organisations pursue a scheme of distinction aimed at separating their merchandises and services from their rivals. The scheme and construct used by Brits Inn was a first in the UK hotel industry history, and seemed to fit the characteristics of a house looking for invention. Second, the scheme of 100 % Satisfaction guaranteed narrates a zero-default service committedness. To maintain this service promise, the company has made an effort to better the quality of both its hardware and package. Critical analysis: Since 1987 the rate of volatility of concatenation hotels has increased at a faster gait than independent hotels although ironss are still less volatile. But for past few old ages, as in slow economic system, scenario changed alot. Performance declined, particularly since after station 9/11. Subsequently the demand was more consistent and belongings directors were more stable with their rates. In response to the slowed economic system clip, most independent hotelkeeper lowered rates and slowed down the all sort of cost on the short term footing. It is non plenty to vie with the chained hotel industries that have greater fiscal power to remain longer in the competition. Due to turning and developing planetary market, every clip hotel industry faces new challenges and chances. The success defines province as one survives the challenge and leads the competition.. These driving forces may include the globalization, cognition based environment, employees ; add on services, value add-on to the client who are reiterating the experience. Direct sale: sale people ever comes to run into their mark as there is great demand for the several hotel but if the demand is non appropriate in that instance ROI falls for the sale representative. In that scenario, an independent hotel industry needs to repair a database for the possible concerns and reach them for the hotel use. Globalization is besides one of the cardinal factors to b considered in these yearss. Every administration is spread outing its consumer s base as a consequence every domestic company is acquiring converted into transnational companies. Cordial reception houses or administrations are doing their base to the all states as a consequence client demands their known hotel to the other state as good. In that scenario, concatenation hotels industries do survive as there is no range for the independent hotels. Renewal of services and those services get liked by the client who are sing the same hotel 2nd clip as outlook keeps turning with the clip. Internet Presence. The Web is one of the most cost effectual agencies to make possible clients, and is the great equaliser. High profile hotels, big, little, independent, or chain-affiliated hotels, all have the same chance on the Web when done with expert planning and execution. The independent hotel, when its web site is like an expert executed, will have as much air time as the concatenation hotels. Independent hotels, with limited resources, do non hold to trust on anything other than the Internet, to hold possible clients find them. Properly developed, executed, and maintained, the Web will, at a minimum cost, efficaciously make local, domestic, and international markets. However the web site must be effectual for a ballad individual to make up ones mind which attack to take. Therefore one must trust on adept advice and to hold a customized program to carry through short term ends every bit good as guarantee that the Web site is good positioned for future technological progresss and for promotions with the hunt engines, in order to minimise fiscal hazards Decision This analyzes the historical public presentation of concatenation hotels and independent hotels. It besides attempts to turn out or confute the hypothesis that concatenation hotels are less volatile than independent hotels. It besides concludes that concatenation hotels are lasting better than independent hotels. Chain hotels are strong in footings of finance and budgeting, in short capitalisation. They have a well focused yarn to follow towards success. Recommendations- References-

Smoke-free campus Essay Example | Topics and Well Written Essays - 750 words

Smoke-free campus - Essay Example dures outlined in a handbook, cigarette smoke was hazardous to the environment and a health risk, which called for an attempt to make the university a tobacco-free area (The University of Texas at San Antonio web). The attempt by the administration to make the university a tobacco-free zone was promoted by the health risks associated with tobacco product. The association of medical associates in the campus on cancer came up with the proposal regarding cancer reduction caused by tobacco smoking. The administration faculty in the institution recommended that a transition campaign for one year aimed at banning smoking behavior to be conducted. The decision was highly supported by the president Ricardo Romo, and the campus committee responsible for management operations. The transition-period approach was supported by researches from other universities since it facilitates cultural and behavior change. Drug use restriction started on June 1st, 2013 and included all the staffs, non-staffs and all the visitors who were visiting the school. The initial step on the transition period that started from 1st June, 2013 to 31st May, 2014 was to define the products which were associated with tobacco required that use of tobacco and its products to be restricted in the main campus and the sub-branches campuses. A responsibility was bestowed to all units in the university responsible for organizing events to always ensure that the participants in the events complied with the laid down regulations. In addition, a transition group to enforce the campaign had a duty to educate the community around the institutions on the negative effects of consuming tobacco related products. New students and staffs who were to be enrolled in the university were to be made aware of the existence of the tobacco-free policy during their first steps of enrollment and their duty to abide with the rules. Individuals outside the institution were informed of the policy through digital messaging, use of

How contemporary designer Anna Sui, has reinterpreted and been Essay

How contemporary designer Anna Sui, has reinterpreted and been influenced by the past - Essay Example Anna Sui had a rough start as a designer, not only did she get fired from her job for featuring her collection in a New York fair trade but also started a small business in her apartment with only 300 dollars in her account. Her collection, which consisted of only 5 pieces, was designed and made exclusively in her studio apartment and got featured in New York Times. From that point on her talent as a designer was a force to be reckoned with, however she highly struggled next to â€Å"big-name houses† in the 1980’s as power dressing was the popular style and Anna Sui focused mainly on quirky design that incorporated her love for music (folk, gunge, punk etc.) and her fascination for the past (Victorian, Rococo, Parisian Boudoir etc.) Her close friend Naomi Campbell then suggested that she host a fashion show in order to show the world her different approach to fashion. Thus she rented a small space and rewarded the models with clothes, the show was a breakthrough in her career. Not only did her name get known but also she understood that staying true to herself and her inspirations was going to be the key to her success and to this day her designs still incorporate her love for music and her fascination for the past.

Cross Cultural Management Assignment Example | Topics and Well Written Essays - 250 words

Cross Cultural Management - Assignment Example It has been observed that Aboriginal people who live away from their remote areas may adapt some cultures in order to survive. However, they occasionally get some time to practice their cultural practices such as hunting and gathering. For example, those Aboriginals living in urban areas can adapt European lifestyles, but their cultural craft skills and tribal knowledge remain paramount. Thinking and perception of life by the Aboriginal people is based on religious and spiritual beliefs. This means that aboriginal people respected spirits and supernatural powers hence deriving their thoughts from religious beliefs (Marshall 2004, p.87). They use spiritual aspects to unite their people and respect life, as well. However, Aboriginal cultural practices may at times get into conflict with the Anglo-European culture. This means that proper lines have to be drawn between different cultures to ensure that they exist without

Impact of Temperature on Food Rejection

Impact of Temperature on Food Rejection Abstract: Fresh cut leafy green vegetable companies that operate cold supply chains can potentially benefit from information compiled about the reasons of rejections and discarding of products. Most of the time the reason for this is temperature abuse and decay along the distribution chains. This temperature abuse is what causes decay. The vast compilation of information that is available to the cold chain operators from all the departments in the supply chain starting from procurement to the sales and customer services helps monitor and improve the success of the business. It is beneficial to the business to find the underlying cause or root cause of the temperature abuse. This thesis attempts to determine the reasons behind temperature abuse that result in the rejection of the products. If there is a better way of transporting the products without temperature abuse happening to it. If the products distribution in specific packaging and different ways within the transportation vehicle. This thesis will use statistical analysis to analyses the results compiled over a period of three months of rejections and their underlying cause. The findings of this thesis can help operators of transportation cold chains better distribute the product by using the correct packaging unit and distribution arrangement. Introduction: Technology today to monitor temperature if the supply chain environment is fairly accurate. Real-time cold chain monitoring systems are easily available and are used in different industries of perishable foods. The monitoring of these products has made the industry a little bit more clear than before, as it used to seem difficult to understand the handling of products. The information is shared by the industries to their customers. Understanding the information provided may seem difficult for the customer as it may seem like large quantities of information that is not displayed correctly. . Specifically, this thesis seeks to study how cold chain information generated in real-time during distribution process can be interpreted and analyzed on order to reduce the temperature abuse and thus reduce rejections and improve the distribution of products. Numerous areas are possible for investigation: however, temperature abuse due to packing unit, as this may have the greatest impact on the cause of temperature abuse. Additional work will focus on the packaging of the packing units in the transportation vehicles. The areas and spaces that the packing units are put on. The way that these units are packed in the transportation vehicle. The fresh cut leafy greens will be the focus if this study. Raw materials processing facilities and customer distribution centers are the focus locations of the research study. Three processing facilities are studied and these facilities serve number of customers in total around the USA. The company serves these customers all year round and in all their locations. The products are processed, packaged, put into boxes and palletized, then they are loaded onto the transportation vehicle and sent to the distribution centers or stores. As the product is transported, the transportation vehicle is monitored by until it reaches the distribution center. The information is also recorded on paper. The information on excel files on the computer. Rejection information is monitored via a tracking system that notifies specific personnel when a product has been rejected, the location, the amount and the reason of the rejection. The product is then declared or denied if the only reason it was rejected was due to look and not quality or food safety. This data can be compiled and help the business find the underlying causes f these rejections and how to better avoid them. This thesis will look at a model that identifies when a rejection will happen. This will then help the business manage the supply SC chains performance and to take the corrective actions to prevent any product damage, financial losses ad to be able to respond to the specific events in the best way possible.

The Hasid and the Zionist :: Essays Papers

The Hasid and the Zionist The saying, â€Å"Opposites attract† actually comes to life in The Chosen, by Chaim Potok. There are both similarities and differences between Reuven and Danny. Usually, close friends have more similarities than differences, but not Reuven and Danny. They really are total opposites. They have differences on almost every aspect of life. They have different beliefs and ways of living. They even have differences in almost all of their relationships. Reuven and Danny are completely unlike. Reuven Malter is a Zionist; he was a Jew who wanted a Jewish state, before the Messiah came. He has always been good at math, not like Danny. He wanted to be a Rebbi when he grew up, although at first he wanted to be a mathematician. â€Å"The gematriya for prozdor is five hundred and thirteen (134).† Reuven really doesn’t think for himself, he always has his father help him with his problems. â€Å"I told him (251).† This pretty well sums up Reuven’s relationship with his father, he told him absolutely everything and never solved his own problems. Unlike Danny, Reuven and his father communicate really well together. Reuven hates Reb, Danny’s father, but Danny â€Å"Respects† him. â€Å"I hate Reb (221).† Contradictory to Danny, Reuven goes out with women on his weekends, while Danny sits at home studying. Reuven said, â€Å"I was dating regularly now on Saturday nights (250).† There are even some differences in ap pearance, such as, Reuven wears glasses and he doesn’t have ear curls. Danny Saunders is an anti-Zionist, which means he opposes Zionists. Danny was great in the study of the Talmud; Reuven on the other hand was kind of slow at it. Danny never actually wanted to be a Tzakkid; he always wanted to become a psychologist. â€Å"I don’t know, Probably a psychologist (69).† He constantly showed that he thought for himself, because every problem he had, he usually solved it by himself, he never got the answer like Reuven. Between Danny and his father, there is an uneasy silence, but Reuven and his father get along perfectly. â€Å"There was never any simple human kind of conversation between him and his son (184).† This is talking about Reb and Danny. Danny never says he loves his father, he only respects him, but Reuven however, despises Reb Saunders.

Commercial Internet Sites Essay

Go to at least 15 commercial Internet sites such as Yahoo!, MSN, and About.com. Document information on the types of attempts (such as pop-up windows and advertisements) that influence the viewer, including counting the number of references toward social shaping. The websites you consult should be listed in a reference list at the end of the newsletter. Take the information you have gathered and write an article for your company newsletter summarizing your findings and drawing conclusions. The article should be at least 500 words in length and should demonstrate depth of thought as well as originality. The first commercial Internet web site that I am analyzing is the online social networking web site Orkut.   It permits maintaining relationships through pictures, messages, music and videos.   What seem interesting with Orkut are that is permits to establish new connections with people belonging to any part of the world, help to come in contact with old friends and family in any part of the world.   Any individual interested in making friends can open an account on the web site and develop their own profile.   What adds uniqueness to Orkut is the fact that any friend or family member can insert their own testimonials of that person.   In the profile, personal, social and professional information can be demonstrated.  Ã‚   Another unique feature of Orkut is that any person can search for another by simply typing in the name in the search box. MSN is a community web site mainly concerned with email, messaging and social contacting.   This web site is brought out my Microsoft.   The users interested can open an account with the MSN web site and are given an individual username and password.   The user would be getting personalized information from the MSN network.   These include news, sports, weather, local news, etc.   Each user can make changes to the layout, color, themes, etc to the individual web page. Yahoo is a social network web site that mainly provides email, news, searches, messenger, jobs, weather, Horoscope, Health and other information.   The Web site concerns a wide range of areas.   Yahoo has its sources in almost every nation of the world and these provide localized information.   Each user can log into the web site with his or her usernames and password. Google, one of the strongest search engines in the world has extended its services to other areas such as book searches, computation, social network groups, news, maps, etc.   People are mainly attracted towards Google as it search strategy is very strong and would permit the user to use their own initiative whilst search for various aspects in the Internet. Tagged.com is social networking that permits users from various parts of the world to get in contact with old friends and new friends.   It was launched in the year 2004.   The graphic interface of the web site is very appealing and has several innovations such as slides, videos and the music presentation.   It has several reputed news sources such as Wall Street Journal, Business Week Online, Ad week, etc. Travellers Point is a social network that provides personalized information regarding traveling destinations and experiences, photo galleries, blogs, forums, maps, etc.   Users can create their own usernames and passwords on the web site and get upload and download photos and videos of famous travel destinations throughout the world.   The Web site works in association with another organization known as ‘Travel helpers’, which provides expert guidance to travelers. Hikut.com is a social networking web site that provides various features to the users, user such as galleries, blogs, music, videos, polls, groups, quizzes, events, classifieds, etc.   The users can also use several other features on the web site such as chats, interfaces, scrapbook, etc.   The users would have to register on the web site with a user name and a password. Linkedln is a professional social network web site that permits the users to share professional information with other experts and specialists throughout the world.   More than 16 million users have registered from about 150 countries.   Users who have registered include clients, partners and colleagues.   Users can also search for jobs and get in contact with the job seekers. One of the main religious social networking web site in the world is My Church.com.   This web site was launched in 2006 offering services to Catholics in the blogs, forums, messenger services, counseling, calendar events, sermons live telecasts, paying of thanksgivings, etc.   The founders of this web site have combined Internet and technology in a very innovative manner to obtain one of the most advanced Catholic networking web sites in the world. More than 7000 Churches are associated with the web site. One of the major social networking web site in the world concerned with sharing music, videos, photos, etc, is Multiply.   The web site also extends its services to other media other than the Internet including MMS and mobile services.   The web site not only caters to the personal needs of the user, but also to the professional and the academic needs.   Only individuals who are closely related to one another can share media information. Another social networking web site is Friendster that caters to the needs of small circle of friends.   It is utilized more widely in Asia than in any other part of the world.   It has been in competition with several other social networking web sites such as Yahoo 360 and Facebook.   In the year 2006, the web site came out with an innovative discovery, which entitled it a patent.   It demonstrated a method and an online tool to calculate and develop relationships between people. Facebook was a social networking web site launched in the year 2004, meant for the students of Harvard University.   However, as the web site was a strong success, several other universities were added including Boston University, MIT, etc.   Slowly any student belonging to any university in the world was allowed to register on the web site.   More than 58 million users have been registered on the web site.   The site offers the users several features including sending and receiving messages, gifts, placing ads, blogs, etc. References: Facebook (2007). â€Å"Facebook – Home Page.† Retrieved on December 26, 2007, from www.facebook.com Web site. Friendster (2007). â€Å"Friendster – Home Page.† Retrieved on December 26, 2007, from www.friendster.com Web site. Google (2007). â€Å"Google Help Center.† Retrieved on December 26, 2007, from Google Web site: http://www.google.co.in/intl/en/help/features.html HiKut (2007). â€Å"Hikut.† Retrieved on December 26, 2007, from www.hikut.com Web site. LinkedIn (2007). â€Å"Linkedin.† Retrieved on December 26, 2007, from www.linkedin,com Web site. MSN (2007). â€Å"MSN-Home Page.† Retrieved on December 26, 2007, from MSN Web site: http://www.msn.com/ Multiply (2007). â€Å"Multiply – Home Page.† Retrieved on December 26, 2007, from www.multiply.com Web site. My Church (2007). â€Å"My Church – Home Page.† Retrieved on December 26, 2007, from www.Mychurch.org Web site. Orkut (2007). â€Å"About Orkut.† Retrieved on December 26, 2007, from Orkut Web site: http://www.orkut.com/About.aspx Tagged.com (2007). â€Å"Tagged – Home Page.† Retrieved on December 26, 2007, from Tagged.com Web site: www.tagged.com Travellers Point (2007). â€Å"Travellers Point.† Retrieved on December 26, 2007, from www.travellerspoint.com Web site. Yahoo (2007). â€Å"Yahoo Company Information.† Retrieved on December 26, 2007, from Yahoo Web site: http://info.yahoo.com/

News Summaries

A July 9 online article from dallasnews. com, entitled Top 10 personal finance mistakes, provides a prime example of one form of learning: lesson by failure. The article discusses ten common pitfalls when individuals are addressing their own financial tasks. By shining a spotlight on these mistakes, the article reinforces principles in Chapter 22—namely, the essential need for solid personal financial planning.Each ‘mistake’ receives a few paragraphs of attention, and the information holds more value because the author also pinpoints expert tips that can lessen the impact and occurrence of each problem.The first two discussed mistakes, for example, address the scarcity of people who develop a logical and flexible statement of goals. Too often, as the article elaborates, individuals make financial decisions based on emotion rather than factual information. In addition, those who do develop goals and plans are many times reluctant to ‘stray the course’ from initial goals. However, experts advise that adaptability and structure can strengthen financial prospects for any individual, regardless of economic standing.Budgeting, in particular, is an important skill to develop in matters of finance. Debt and savings comprise the next part of the discussion. According to the article, a surplus of people sink into credit card debt that may only be eradicated through years of payments. Prompt, maximum-level monthly payments can ease these burdens, say the experts. Debt accumulation is symptomatic of another financial planning problem mentioned in the article: savings, or the lack thereof.A depletion of saved income can negatively impact both short-term and long-term financial goals. One remedy the interviewed experts recommend involves the creation of an emergency savings fund (used in case of unexpected expenses). Such a fund would be bolstered by a set amount of money from each employee paycheck. Finally, the article concludes with warnin gs involving two other important aspects of personal finance, employee benefits and stock investment.The author argues for 401(K) plans, life insurance, and reasonable investing, respectively. Each of these subjects—if handled improperly—holds the potential for catastrophic financial consequences. 401(K)s can help ensure an individual has a secure retirement nest egg (alleviating at least one burden for the elderly); life insurance in turn ensures a family’s security, and minimal stock investing will help prevent an abolishment of personal savings.

The Mysterious Moon of Makemake

The Mysterious Moon of Makemake As weve explored in other stories, the outer solar system is really the new frontier of space exploration. This region, also called​  the Kuiper Belt, is populated with many icy, distant and small worlds that were once completely unknown to us. Pluto is the largest among them known (so far), and was visited in 2015 by the New Horizons mission.   The Hubble Space Telescope has the visual acuity to make out tiny worlds in the Kuiper Belt. For example, it resolved the moons of Pluto, which are very small. In its exploration of the Kuiper Belt, HST spotted a moon orbiting a world smaller than Pluto called Makemake. Makemake was discovered in 2005 via ground-based observations and is one of five known dwarf planets in the solar system. Its name comes from the natives of Easter Island, who saw Makemake as the creator of humanity and a god of fertility. Makemake was discovered shortly after Easter, and so the discoverers wanted to use a name in keeping with the word. The moon of Makemake is called MK 2, and it covers a pretty wide orbit around its parent body. Hubble spotted this little moon as it was about 13,000 miles away from Makemake. The world Makemake itself is only about 1434 kilometers (870 miles) wide and was discovered in 2005 via ground-based observations, and then further observed with HST. MK2 is perhaps only 161 kilometers (100 miles) across, so finding this tiny little world around a small dwarf planet was quite an accomplishment. What Does Makemakes Moon Tell us? When Hubble and other telescopes discover worlds in the distant solar system, they deliver a treasure trove of data to planetary scientists. At Makemake, for example, they can measure the length of the moons orbit. That allows researchers to calculate MK 2s orbit. As they find more moons around Kuiper Belt objects, planetary scientists can make some assumptions about the likelihood of other worlds having satellites of their own. In addition, as scientists study MK 2 in greater detail, they can figure out more about its density. That is, they can determine whether its made of rock or a rock-ice mix, or is an all-ice body. In addition, the shape of MK 2s orbit will tell them something about where this moon came from, that is, was it captured by Makemake, or did it form in place? Its history is likely very ancient, dating back to the origin of the solar system. Whatever we learn about this moon will also tell us something about conditions in the early epochs of solar system history, whe n worlds were forming and migrating.    Whats It Like on This Distant Moon? We dont really know all the details of this very distant moon, yet. It will take years of observations to nail down its atmospheric and surface compositions. Although planetary scientists dont have an actual picture of the surface of MK 2, they know enough to present us with an artists concept of what it might look like. It appears to have a very dark surface, likely due to discoloration by ultraviolet from the Sun and loss of bright, icy material to space. That little factoid comes NOT from a direct observation, but from an interesting side-effect of observing Makemake itself. Planetary scientists studied Makemake in infrared light and kept seeing a few areas that seemed warmer than they should be. It turns out what they may have been seeing as dark warmer patches were likely the dark-colored moon itself.   The realm of the outer solar system and the worlds it contains have a lot of hidden information about what conditions were like when the planets and moons were forming. Thats because this region of space is a veritable deep-freeze. It preserves ancient ices in much the same state they were when they formed during the birth of the Sun and planets.   Yet, that doesnt mean things dont change out there. On the contrary; there is plenty of change in the Kuiper Belt. On some worlds, such as Pluto, there ARE processes that heat and change the surface. That means that worlds DO change in ways that scientists are just beginning to understand. No longer does the term frozen wasteland mean that the region is dead. It simply means that temperatures and pressures out in the Kuiper Belt result in very different-looking and behaving worlds. Studying the Kuiper Belt is an ongoing process. There are many, many worlds out there to find- and eventually explore. Hubble Space Telescope, as well as several ground-based observatories are the front line of Kuiper Belt studies. Eventually, the James Webb Space Telescope will be set to work observing this region too, helping astronomers locate and chart the many bodies that still live out in the solar systems deep freeze.

The effect of inflation on stock prices Essay Example | Topics and Well Written Essays - 750 words

The effect of inflation on stock prices - Essay Example inflation is dependent on the time horizons as it is subject to fluctuations over shorter periods but more stable over a long term horizon (Sharpe Steven, 2000). In the global scenario some companies can react to inflation by raising their prices but this can be affected by the competition as others may not be subject to the same inflationary trends within their own insulated economies ((Little, Ken). Inflation results in the rise in prices of the stocks with no corresponding increase in value with the ultimate loss to the investors in that particular stock. Theoretically the stocks are a good hedge against inflation because a company’s earnings and revenues usually grow at the same rate as inflation (Little, Ken). Some of the good inflation hedge instruments are gold, real estate and money market funds. Different sectors in the stock market show variable response to inflationary trends. Fixed instruments like government securities and bonds tend to be secure investments but y ield very poor returns in the face of inflation as the purchasing power of the currency is greatly reduced and moreover the taxes on the gains accumulated over a period of time negate the interest earned over that span. Investments in stocks are therefore recommended to defeat inflation as it serves as an insulator against the devaluation of money as the companies are themselves more worried about the profitability of their assets and take adequate steps and means to tide over inflationary and other trends affecting stock markets. The art of preserving one’s wealth during recession requires great insight into the market situation and switching funds between risky and safe investment instruments from time to time are the hallmarks of a good investor. The true stock market price after adjustment for inflation is the real indicator of the status of one’s investments. If the stock market goes up at a better rate than the inflation, the profits will depend upon the difference between the two

Obesrvation of baskball game Essay Example | Topics and Well Written Essays - 250 words

Obesrvation of baskball game - Essay Example Niels Giffey Defensive Rebound. Foul on Kenny Kaminski. DeAndre Daniels made Free Throw. DeAndre Daniels missed Free Throw. Adreian Payne Defensive Rebound. Adreian Payne missed Jumper. Niels Giffey Defensive Rebound. Ryan Boatright missed Three Point Jumper. Gary Harris made Layup. Assisted by Keith (Bonesteel, 2014). Appling. Phillip Nolan Offensive Rebound. Connecticut Turnover at the official time out. Branden Dawson missed Jumper. Niels Giffey made Jumper. Assisted by Shabazz Napier. Denzel Valentine made Three Point Jumper. Assisted by Matt Costello then the first half ended .The second half; Jump Ball won by Connecticut. Foul on Keith Appling. Shabazz Napier missed Three Point Jumper. Gary Harris made Jumper. Adreian Payne made Three Point Jumper. Assisted by Gary Harris. Adreian Payne made Jumper. Assisted by Denzel Valentine before Connecticut’s time out. Shabazz Napier made Three Point Jumper. Phillip Nolan made Layup. Assisted by Ryan Boatright. After Michigan’s time out Ryan Boatright made Three Point Jumper. Assisted by Phillip Nolan and the game ended (Bonesteel,