The Principle Agent Problem Between Shareholders And Managers Accounting Essay

Financial hypothesis theorizes that a house ‘s end is to gain by investors riches ; accomplishable with innovative house since owners are executives. Notwithstanding, possession presents is altogether weakened, with organizations claimed by huge investor gatherings. This causes the partition of possession and bearing which impedes the connection among investors and executives ; where chiefs supplant investors contribution with their ain. This might be because of data dissymmetry[ 1 ]where chiefs have the ability to move in adjustment to investor requests. This is known as the â€Å" authority work † and is regular in present day corporate. Under this hypothesis the relationship is framed through a coupling contract whereby head ‘s ( investors ) choose the specialists ( chiefs ) to kill administrations with approval to do conclusions. Anyway such â€Å" contracts † are defective as the difficulty to incorporate each activity of the operator whose judgments affects their and the head ‘s benefits. In this way, self intrigued conduct emerges in organizations as the contribution of the two players veers, for example head ‘s contribution regards amplification of investors riches ( overall gain expansion ) while operator ‘s inclusion lies in ain open help enterprise augmentation ( rewards/advancement ) . Investors license executives to run the house ‘s resources ; following in a battle of contribution. The cardinal employment along these lines is to aline the contributions of the two players. Moreover, administrators anticipate that leading body of supervisors should set up their judgments on expanding value esteem. Anyway the leading group of administrators anticipate that chiefs should follow plans that help their finishes. This situation shows that investors have no immediate contribution to the activity and subsequently have no capacity to state chiefs what to make. This issue emerges on account of the partition of possession and control and in this way executives can indict closes great to them and negative to investors. In general, withdrawal between the two gatherings builds lack of end congruity. The request emerges with respect to why investors do non manage course? There are three grounds why taking control causes inconveniences. ( 1 ) Expensive to oversee administrative exercises as getting data is difficult ( 2 ) disappointed investors can't present hazards so as to chop down undesirable administrative conduct for example connecting with an outside part and ( 3 ) scattered investors have an incitement to â€Å" free drive † . Keasy et al 1997 views the above as monetary expenses to checking. These limitations present occupations for investor riches since undesirable administrative activities takes topographic point without control. Investors may introduce prompting groups which incorporate total compensation related fillips, open introduction, exposure actuations and elevate representatives to buy divides which increment their prizes, to elevate operators to do â€Å" ideal endeavor † . Because of the above employments, states have created frameworks which do free observing and control of the house so as to aline the general end. OECD 1999 expressed that â€Å" corporate organization development indicates the circulation of rights and obligations among various members in the partnership, and illuminates the guidelines and processs for doing conclusions on corporate individual businesss. By making this, it other than gives the development through which the organization points are set, and the offices of accomplishing those points and directing open introduction. † In UK capital markets play a basic capacity where divide money related qualities advocates open introduction degrees. The executives ‘s point of convergence is to amplify investors riches through the use of free leading body of directors. The trepidation of overthrow orders powers bearing to experience solid activities. Roughly 50 % of bits are held by institutional financial specialists bespeaking prevailing possession. Cadbury Report 1992 regions enormous extent of investor proprietorship impact organization ‘s activities. In 2008 the Financial Reporting board built up the ‘Combined Code ‘ for example grouped reports/codes refering ‘good ‘ corporate organization. The most compelling is Cadbury Report 1992[ 2 ], was created as the inadequacy of overseeing heading exercises caused a few soils whereby officials acted in their association. At first, Polly Peck[ 3 ]went into settlement after mature ages of bogus bookkeeping taking to estimate uping of the financial aspects and answerability. Anyway after the treachery of BCCI and Robert Maxwell, they changed the connection between sheets, listeners and investors. The finishing up study states CEO ‘s and Chairman ‘s of organizations ought to be isolated. Jenson 1993[ 4 ]provinces that if capacities were normal, battle of association would start. Moreover, 3 non-official administrators, two of whom ought to be independent[ 5 ]and a review commission influencing non-administrators ought to be incorporated. Organizations were urged to follow these practices close by â€Å" the codification of best practice † which diagrams different nations of concern. Anyway the â€Å" one size fits all † work was perceived by Cadbury doing all organizations enrolled in UK to follow the â€Å" consent or elucidate † framework. Organizations ought to follow with corporate best practice or have genuine justification for rebelliousness. Moreover, the board must offer a full record to investors and clarify how their practices are steady with investors. It ‘s satisfactory only when investors accept great organization has been accomplished. Greenbury commission, framed to quantify director ‘s wage packs and the insufficiency of disclosure of installments in the one-year considers, initiated over people ‘s choler sing increases in official compensation. The investigation added to the Cadbury Code and prompted ( 1 ) each board incorporate a pay commission influencing free non-administrators preparation investors yearly and ( 2 ) supervisors should hold LT[ 6 ]public introduction related pay, all uncovered in the one-year accounts. Besides, progression ought to be checked on each 3 mature ages to ensure organizations are runing viably. The Hampel commission[ 7 ]formed in 1998 recommended every single old guideline ought to be worked together into a â€Å" Combined Code † . Besides, the leader of the sheets should move as the ‘leader ‘ , financial specialists should see casting a ballot the bit and all wages data including benefits ought to be unveiled. The Turnbull Committee, made the accompanying twelvemonth, exhorted that chiefs ought to be considered responsible for inside financial and investigating controls. A few investigations have added to the Combined Code viz. the Higgs reappraisal outlining the activities of non-officials. All the more late, after the surrender of Northern Rock and the financial emergency that followed, the Walker Review framed an examination refering banking divisions. The Financial Reporting Council created another Stewardship Code in 2010. Germany ‘s corporate framework is mainly partner arranged and diffuses off from investors contributions. The point is boosting partner esteem accordingly revealing a few commonplace contrasts. In the first place, the financial segment is a significant partner. Charkham ( 1994 ) expressed that Bankss hold a command place in subsidizing and oversing organizations for army grounds. ( 1 ) During 1870 organizations were by and large dependent on acknowledgment. Banks started offering LT advances to LT customers who tied the organizations, acquiring proprietorship and moving as ‘shareholders ‘ inside mechanical houses. ( 2 ) Banks hold 25 % of casting a ballot capital in large enterprises and 28 % of seats on the administrative sheets. ( 3 ) Banks are investor delegates, approved to decide in favor of their parts in addition to intermediary portions[ 8 ], giving farther control. Thusly organizations are doubtful to confront overthrows, since Bankss will back up them through financial misfortunes not at all like in the UK. Second, â€Å" co-employable † human progress is explained under the Co-assurance Act 1976 whereby laborers get significant capacities toward the path methodology ; known as work committees. Work board staff impact concern activities and participate in assurance concocting methods. Workers ( chose by work gatherings ) sit on the administrative board when a house has in excess of 2000 workers on board investor agents. This framework diminishes work power battles by bettering imparting channels, expansion bartering intensity of laborers through rule laws and in the long run right market disappointments. Generally speaking productiveness degrees expansion, with low degrees of work stoppages as better pay and conditions suggesting â€Å" great modern dealingss † . At long last, Germany includes a two †level board contrasted with UK ‘s one †level board. It incorporates a bearing board ( Vorstand ) where executives screen everyday activity and conduct of the house. Furthermore an administrative board ( Aufsichtsrat ) influencing simply non-executives[ 9 ]who screen the heading board obligations and O.K.ing judgments. Partition of the two expands the awareness of single obligations and hinders course abuse. The ruin is holding specialist delegates on the administrative board as they will decide for judgments useful for representatives rather than organization. For outline shuting down a factory may hold useful for the organization by the by easily proven wrong for overabundance representatives, doing it is difficult to work in the best contribution of the organization. Germany ‘s corporate framework deceives an incredible degree on great modern dealingss which considers it ‘s organization, workers and open. It shows partnerships are a cultural foundation rather than a monetary 1 a

Rocket to the Moon Rocket to the Moon

Rocket to the Moon Rocket to the Moon - Romare BeardenRomare Bearden Essay There are numerous well known works of art on the planet today that are made by various craftsmen. Every last one of them recounts to a story or account, the artistic creations are assembled from multiple points of view by the shading, shape, and style. The vast majority of the works of art even demonstrates imagery to the importance of the fine art. The work of art I picked was Rocket to the Moon made by Romare Bearden a celebrated craftsmen in 1971. This work of art is unique in relation to other people, since its a collection of various pictures used to make this artwork. Additionally the work of art I picked have a wide range of hues, shapes, various styles and it even show a little imagery. Rocket to the Moon recounts to a little story or account that shows self-articulation. We will compose a custom exposition on Rocket to the Moon Rocket to the Moon - Romare BeardenRomare Bearden explicitly for you for just $16.38 $13.9/page Request now To me the story is by all accounts about the life and battle of African Americans in the downtowns. I state this, in light of the enormous structures, lights, and the pictures of the dark individuals in the composition. The city the work of art appears its attempting to clarify, resembles the city of Chicago to me. I state Chicago of numerous urban areas, since its known to have many dark individuals battling there and by the manner in which the city looks with the large structures. The artistic creation could even be about the thundering 20s of African Americans or as it were the Harlem Renaissance. The thundering 20s is known for provincial life and urban life, jazz, African American music, and even works of art. On the off chance that you look close into the artistic creation you could see a portion of those things. For instance, the enormous structures could speak to the rustic and urban life in those days. At the point when you take a gander at this collection you can see the various shapes, shading, and surface of how this image is assembled. The shapes that are utilized in this painting is by all accounts positive since it grabs your attention to cause you to be more spotlight on the shapes utilized. There are a ton of shapes utilized on the grounds that there are a ton of limits which are isolated from what encompasses the image. As you take a gander at the montage you can tell it has genuine lines. For instance it has flat, vertical, and even corner to corner lines to really bring the work of art out. The hues utilized are basically dim dull hues. There are not that numerous splendid hues utilized other than light blue, that is utilized in the little posted notice in the work of art. As you take a gander at the artistic creation you notice it contains numerous visual apparatuses. As you take a gander at the lines in the collection you could see that some recommend movement. For instance the rocket in the image appears to resemble its moving, in view of the manner in which the lines are framed. The structures, the state of the moon, and the compositions of the individuals can be considered inferred lines, since it structures geometric shapes. The disposition of the artwork is to a greater degree a quiet and discouraged scene. I state this on account of the hues that are utilized in the painting. The shading it mostly contains are dull earthy colored, light earthy colored, dim blue, dark and some cool hues. The artwork additionally contains a monochromatic shading plan used to make the sky. This is additionally something else that could set the disposition of the work of art. Most monochromatic shading plan are utilized in canvases to set that specific mind-set. Another visual device utilized in this work of art is light. The heading of light can influence the manner in which things can show up in a work of art. The cut out pictures of the African American individuals and the structures can be think about chiaroscuro, on the grounds that the concealing is from light to dim. The lighting of the image makes the shape and shading increasingly noticeable. The plan of the composition is kind of a straightforward structure, since its a collection. As you take a gander at the structure of a work of art, it could comprises of the shading, heading, point, and even size of the composition. The artwork Rocket to the Moon contains these sorts of structures. .uc33f85caa60ec11a9e43df909d51e51d , .uc33f85caa60ec11a9e43df909d51e51d .postImageUrl , .uc33f85caa60ec11a9e43df909d51e51d .focused content territory { min-tallness: 80px; position: relative; } .uc33f85caa60ec11a9e43df909d51e51d , .uc33f85caa60ec11a9e43df909d51e51d:hover , .uc33f85caa60ec11a9e43df909d51e51d:visited , .uc33f85caa60ec11a9e43df909d51e51d:active { border:0!important; } .uc33f85caa60ec11a9e43df909d51e51d .clearfix:after { content: ; show: table; clear: both; } .uc33f85caa60ec11a9e43df909d51e51d { show: square; progress: foundation shading 250ms; webkit-change: foundation shading 250ms; width: 100%; mistiness: 1; progress: obscurity 250ms; webkit-progress: darkness 250ms; foundation shading: #95A5A6; } .uc33f85caa60ec11a9e43df909d51e51d:active , .uc33f85caa60ec11a9e43df909d51e51d:hover { murkiness: 1; progress: haziness 250ms; webkit-change: darkness 250ms; foundation shading: #2C3E50; } .uc33f85caa60ec11a9e43df909d51e51d .focused content zone { width: 100%; position: rela tive; } .uc33f85caa60ec11a9e43df909d51e51d .ctaText { fringe base: 0 strong #fff; shading: #2980B9; text dimension: 16px; text style weight: striking; edge: 0; cushioning: 0; content adornment: underline; } .uc33f85caa60ec11a9e43df909d51e51d .postTitle { shading: #FFFFFF; text dimension: 16px; text style weight: 600; edge: 0; cushioning: 0; width: 100%; } .uc33f85caa60ec11a9e43df909d51e51d .ctaButton { foundation shading: #7F8C8D!important; shading: #2980B9; outskirt: none; fringe span: 3px; box-shadow: none; text dimension: 14px; textual style weight: intense; line-stature: 26px; moz-fringe sweep: 3px; content adjust: focus; content design: none; content shadow: none; width: 80px; min-tallness: 80px; foundation: url(https://artscolumbia.org/wp-content/modules/intelly-related-posts/resources/pictures/basic arrow.png)no-rehash; position: outright; right: 0; top: 0; } .uc33f85caa60ec11a9e43df909d51e51d:hover .ctaButton { foundation shading: #34495E!important; } .uc33f85caa60ec11a9e43d f909d51e51d .focused content { show: table; tallness: 80px; cushioning left: 18px; top: 0; } .uc33f85caa60ec11a9e43df909d51e51d-content { show: table-cell; edge: 0; cushioning: 0; cushioning right: 108px; position: relative; vertical-adjust: center; width: 100%; } .uc33f85caa60ec11a9e43df909d51e51d:after { content: ; show: square; clear: both; } READ: Madonna Enthroned painting EssayThe structures in this artwork can be consider a harsh surface in light of the blocks used to construct the structure. As you investigate the artistic creation you can see the heading of how the composition is going. The work of art is inclined towards the privilege a bit. I state this, in light of the fact that as you take a gander at the things in the image its hopes to be inclined. Course in works of art can likewise give the canvases a state of mind. For instance, the solid level lines of the structures give a sentiment of tranquility and quiet. Another model, the corner to corner lines of the rocket in the sky fortify the sentiment of development. As you look and gaze all things considered canvases you notice every one has a touch of importance to it. In addition to the fact that it has a significance, however most articles craftsmen paints in an artistic creation represents a specific thing. In Rocket to the Moon it could mean a lot of things to various individuals. As I set aside effort to take a gander at the artistic creation, various implications goes to my head about this image. The principal thing I notice is that its a collection of African Americans in a city with a posted warning on red. To me this composition implies African Americans are battling in a city with financial issues or is having an issue in the city. This composition contains numerous articles that could represent a specific thing. The rocket in this canvas can represent African Americans attempting escape from that point circumstance in the city. The photos of the dark individuals can represent ordinary customs of African Americans rustic life in the south and urban life in the north urban areas. As I take a gander at the work of art I notice one of those individuals looks like Martin Luther King Jr. this could represent the fantasy of them getting away there issues in the city, since he generally had dream things would be better. I picked Rocket to the Moon by Romare Bearden, on the grounds that the collection of the artistic creation got my eyes. There is more spotlight on detail and shading on the front bit of the composition as opposed to the back cityscape. Most works of art I have seen before dislike this one. Likewise I picked this one, since it truly indicated how African Americans are battling in many urban communities. The hues in this composition truly make you give close consideration to what is truly going on. I like the path there are geometric shapes in this artwork, since you can see the two-measurements simpler. Generally this is an extraordinary painting by Romare Bearden. You can tell he mirrored his life in this work of art of a collection of various things set up.

Finding Forrester Essay

Discovering Forrester was coordinated by Gus Van Sant and discharged in 2000. The film was fascinating. It gave you that the sky is the limit; you simply need to invest in difficult work and energy. Gus Van Sant gives us that it doesn't make a difference where you are from, the sky is the limit. Jamal Wallace is an African-American kid from the Bronx who is furtively exceptionally smart yet he doesn't need anyone knowing since it will destroy his notoriety at school, a case of this is when Jamal’s educator requests that he recount a celebrated sonnet that he knows, Jamal lies and says he doesn't have any acquaintance with it. William Forrester is an old, Caucasian man who is a heavy drinker and has composed a popular book. Forrester goes through his days in his condo since he is frightened of the general population and society. The film centers around the topic of generalizing. A generalization is â€Å"a broadly held however fixed and over streamlined picture or thought of a specific sort of individual/thing. † â€Oxford Dictionary. Generalizing is appeared all through the film, a few instances of generalizing in the film are when Jamal is at his new school and composes a stunning paper. His instructor, Crawford, doesn't trust Jamal composed the paper since he is a dark kid from the Bronx who is a fabulous b-ball player. There is a generalization about African Americans being acceptable at sports (particularly ball), yet here the dark character is additionally brilliant and intrigued by things other than sports. Truth be told, Jamal tosses a ball game so nobody thinks he is simply one more dark kid just useful for b-ball. Another case of generalizing in Finding Forrester is Claire. Claire is Jamal’s first companion at his new school and we see immediately that she doesn't separate however is a casualty of generalizing herself. Claire’s father is the man liable for making the school for young men and young ladies so understudies consider her to be ruined and think the main explanation she got acknowledged to class is a result of her dad yet she is really an extremely splendid young lady. Ball is a significant image in the film, which represents that despite the fact that Jamal is an extraordinary b-ball player, it doesn't mean he isn't shrewd. This is appeared in the film whenever Jamal gets an opportunity to play ball at his new school. Ball speaks to this present reality; it’s battles, connections, and rivalry. There are additionally some increasingly significant images in Finding Forrester. The books in William Forrester’s condo speak to idealism, protection from this present reality, and the universe of acumen. What's more, the window which William Forrester watches Jamal and his companions play ball is actually a window into this present reality. Forrester watches the world pass by him however that window. The characters Jamal Wallace (Robert Brown) and William Forester (Sean Connery) structure a companionship through their common enthusiasm for composing. This all begun when Jamal and his companions notice an elderly person, William Forrester, watching them play b-ball through his window. They notice that this elderly person has never gone out and really gets basic food item, mail, and garments conveyed to him. One day Jamal’s companions challenged him to go into Forrester’s loft and to take something from the condo to demonstrate he was quite there. While in the loft, Jamal gets scared by Forrester and runs out however little did Jamal realize that as he was leaving he left his rucksack brimming with all his mystery diaries. After Jamal converses with his companions about his experience they go out to play ball and Forrester drops Jamal’s rucksack out the window. When Jamal opens it up he finds that Forrester has experienced and remedied and studied each page of each diary. Irate, Jamal returns his diaries to Forrester to inquire as to why he would do this. Following quite a while of attempting to converse with Forrester, Jamal and Forrester go to an understanding that Forrester will help Jamal with his composition. They show each other life. Jamal helps Forrester get over into society without being frightened. Forrester instructs Jamal that is doesn't make a difference where you originate from, on the off chance that you are keen, exploit that and grasp your incredible ability. The film Finding Forrester was a decent, quality film with an extraordinary subject and good. In this film Jamal, an African American ball player and understudy demonstrates that it doesn't make a difference where you originate from, or what shading your skin is, on the off chance that you are keen to need to allow that ability to sparkle. Furthermore, William Forrester, an old, cleaned up essayist gets another look on life on the grounds that a splendid kid has confidence in him. Together, William and Jamal battle through prejudice and generalizing. â€Å"Dear Jamal, Someone I once knew composed that we leave our fantasies apprehensive that we may come up short or more terrible yet, apprehensive we may succeed. You have to realize that while I knew so early that you would understand your fantasies, I never envisioned I would by and by understand my own. Seasons change youngster, and keeping in mind that I may have held up until an incredible winter, to see the things I’ve seen this previous year, there is no uncertainty I would have stood by excessively since quite a while ago, had it not been for you. † â€William Forrester; Forrester’s letter to Jamal.

College Savings Timeline the Home Stretch

Youï ¿ ½re the parent of a high school junior, which means in just two years your child will be on his or her way to college. Although somewhere between getting a drivers license and going on a first date planning for college may have fallen to the wayside. Time is running short and if you havenï ¿ ½t been preparing you have quite a bit of work to do. In this weekï ¿ ½s College Savings Timeline, we discuss the five most important college planning steps for the final years of high school. 1. Evaluate your child's college fund (or lack thereof!). If youï ¿ ½ve been saving with a 529 college savings plan, now is the time to compare the balance with the expected costs of the first few years of college. Our simple college calculator can help estimate what your total costs will be and if you will be able to save enough in time. Be sure to double check that your investment allocations are now weighted toward conservative options like bonds. (If you have an age-based 529 plans this is done automatically). If you realize you have saved too much, lucky you! It may still be smart to continue making contributions since your child may end up transferring to another school or continuing on to graduate school. If you havenï ¿ ½t started saving yet, youï ¿ ½ll need to first figure out a way to come up with the required down payment for the first tuition bill. Once you have that covered, youï ¿ ½ll need to start a savings plan to prepare for the remaining semesters. 529 accounts are still a good option, even this late in the game. You will still get the benefit of a professionally managed portfolio and be able to take advantage of federal (and sometimes state) tax benefits. Every little bit you save will shrink your childï ¿ ½s future student loan balance. RELATED: Help your child get into a top school 2. Narrow down school choices. In order to plan for the upcoming expenses, you need to have an idea of what they will be. At this point, you should have already been researching colleges and touring campuses. While you may have had your heart set on your son attending your alma mater, its important to look out for his best interest first. If you havenï ¿ ½t been able to put away enough money for the school of his dreams youï ¿ ½ll need to explore other options. If you live in a major metropolitan area there may be a number of colleges or universities he could commute to. With average room and board costs around $10,000 itï ¿ ½s almost a no-brainer for cost conscious families. An even less expensive option is to suggest a community college for the first two years. This also gives your child a chance to get their general courses out of the way while they focus on choosing an area of study and the appropriate university to complete their degree. How much does college really cost? 3. Begin preparing for the ACT or SAT Most students begin thinking about college admissions tests during their junior year of high school. Most colleges will accept ACT or SAT scores, so the first thing your child will need to do is choose which one to take. The ACT is considered an achievement test and is meant to reveal what youï ¿ ½ve learned in school, while the SAT is an aptitude test that measures your reasoning and verbal abilities. There are numerous test preparation courses and materials available, including this helpful list from U.S. News & World Report. Your child should plan on at least three months of studying, but remember that test scores arenï ¿ ½t everything when it comes to college acceptance. Schools look for a winning combination of grades, extracurricular activities and recommendations in addition to test scores when making their decision. 4. Start looking for scholarships The middle of your childï ¿ ½s junior year is the ideal time to start applying for scholarships. If he or she excels academically or is a star athlete, your search should be relatively easy. If not, thereï ¿ ½s no need to worry - there are plenty of awards given based on things like artistic talents, race, religion or other unique circumstances. Try not to only focus on the big tickets when applying. Small awards can start to add up and will reduce the amount you have to save or borrow. Application deadlines tend to be in January, but you should continue searching for scholarships each year throughout your entire college career. Search for scholarships here. 5. Learn about financial aid. Juniors have another year to wait before the Free Application for Federal Student Aid (FAFSA) has to be turned in, but itï ¿ ½s definitely not too early to start planning for it. After youï ¿ ½ve narrowed down the list of schools and estimated costs, begin to research state, federal and school aid programs. Your child should meet with his or her school guidance counselor to find out if there are any upcoming financial aid nights. Mark February in your calendar as Financial Aid Awareness Month and be sure to look out for events hosted by high schools and colleges in your area. When itï ¿ ½s time to schedule your campus visits, donï ¿ ½t forget to set meetings with the financial aid office. An in-person meeting will give you and your child the opportunity to have any questions answered regarding policies and deadlines. Estimate your financial aid eligibility. Don't miss the other great posts in our College Savings Timeline Series! College Savings Timeline: New beginnings College Savings Timeline: Time to get in gear College Savings Timeline: Now entering the world of high school Youï ¿ ½re the parent of a high school junior, which means in just two years your child will be on his or her way to college. Although somewhere between getting a drivers license and going on a first date planning for college may have fallen to the wayside. Time is running short and if you havenï ¿ ½t been preparing you have quite a bit of work to do. In this weekï ¿ ½s College Savings Timeline, we discuss the five most important college planning steps for the final years of high school. 1. Evaluate your child's college fund (or lack thereof!). If youï ¿ ½ve been saving with a 529 college savings plan, now is the time to compare the balance with the expected costs of the first few years of college. Our simple college calculator can help estimate what your total costs will be and if you will be able to save enough in time. Be sure to double check that your investment allocations are now weighted toward conservative options like bonds. (If you have an age-based 529 plans this is done automatically). If you realize you have saved too much, lucky you! It may still be smart to continue making contributions since your child may end up transferring to another school or continuing on to graduate school. If you havenï ¿ ½t started saving yet, youï ¿ ½ll need to first figure out a way to come up with the required down payment for the first tuition bill. Once you have that covered, youï ¿ ½ll need to start a savings plan to prepare for the remaining semesters. 529 accounts are still a good option, even this late in the game. You will still get the benefit of a professionally managed portfolio and be able to take advantage of federal (and sometimes state) tax benefits. Every little bit you save will shrink your childï ¿ ½s future student loan balance. RELATED: Help your child get into a top school 2. Narrow down school choices. In order to plan for the upcoming expenses, you need to have an idea of what they will be. At this point, you should have already been researching colleges and touring campuses. While you may have had your heart set on your son attending your alma mater, its important to look out for his best interest first. If you havenï ¿ ½t been able to put away enough money for the school of his dreams youï ¿ ½ll need to explore other options. If you live in a major metropolitan area there may be a number of colleges or universities he could commute to. With average room and board costs around $10,000 itï ¿ ½s almost a no-brainer for cost conscious families. An even less expensive option is to suggest a community college for the first two years. This also gives your child a chance to get their general courses out of the way while they focus on choosing an area of study and the appropriate university to complete their degree. How much does college really cost? 3. Begin preparing for the ACT or SAT Most students begin thinking about college admissions tests during their junior year of high school. Most colleges will accept ACT or SAT scores, so the first thing your child will need to do is choose which one to take. The ACT is considered an achievement test and is meant to reveal what youï ¿ ½ve learned in school, while the SAT is an aptitude test that measures your reasoning and verbal abilities. There are numerous test preparation courses and materials available, including this helpful list from U.S. News & World Report. Your child should plan on at least three months of studying, but remember that test scores arenï ¿ ½t everything when it comes to college acceptance. Schools look for a winning combination of grades, extracurricular activities and recommendations in addition to test scores when making their decision. 4. Start looking for scholarships The middle of your childï ¿ ½s junior year is the ideal time to start applying for scholarships. If he or she excels academically or is a star athlete, your search should be relatively easy. If not, thereï ¿ ½s no need to worry - there are plenty of awards given based on things like artistic talents, race, religion or other unique circumstances. Try not to only focus on the big tickets when applying. Small awards can start to add up and will reduce the amount you have to save or borrow. Application deadlines tend to be in January, but you should continue searching for scholarships each year throughout your entire college career. Search for scholarships here. 5. Learn about financial aid. Juniors have another year to wait before the Free Application for Federal Student Aid (FAFSA) has to be turned in, but itï ¿ ½s definitely not too early to start planning for it. After youï ¿ ½ve narrowed down the list of schools and estimated costs, begin to research state, federal and school aid programs. Your child should meet with his or her school guidance counselor to find out if there are any upcoming financial aid nights. Mark February in your calendar as Financial Aid Awareness Month and be sure to look out for events hosted by high schools and colleges in your area. When itï ¿ ½s time to schedule your campus visits, donï ¿ ½t forget to set meetings with the financial aid office. An in-person meeting will give you and your child the opportunity to have any questions answered regarding policies and deadlines. Estimate your financial aid eligibility. Don't miss the other great posts in our College Savings Timeline Series! College Savings Timeline: New beginnings College Savings Timeline: Time to get in gear College Savings Timeline: Now entering the world of high school

Animal Testing Should Continue - Free Essay Example

Sample details Pages: 6 Words: 1654 Downloads: 9 Date added: 2019/04/12 Category Biology Essay Level High school Tags: Animal Testing Essay Did you like this example? Animal testing should continue you to be a legal and viable option to research. Animal testing has been used for centuries dating all the way back to 300 BC. Since its origin, animal testing has been an efficient way of making medical and biological breakthroughs. Don’t waste time! Our writers will create an original "Animal Testing Should Continue" essay for you Create order If it were not fro animal models who or what could we test on? There would be a very limited amount of people who would want to be a test subject in these studies. Animal testing is a necessity to ensure the well being of humans by curing diseases and epidemics, assisting endangered animals, and making sure cosmetics and drugs are safe for human use. The first vaccine ever created was for Smallpox. Smallpox is a disease that plagued the world causing some survivors to go blind. According to the National Center for Biological Information (NCBI), It is believed to have appeared around 10,000 BC, at the time of the first agricultural settlements in northeastern Africa,(Riedel). This disease had been around for almost 12,000 years before there was any type of cure. For 12,000 years, people suffered with no certainty that they would overcome the disease. Smallpox played a key role in the demise of the Aztecs civilization, and would have wiped out most of Europe if a vaccine were never developed. This disease would kill around 400,000 people annually in the 18th century (Riedel). Smallpox was spread from direct contact with a person who had it. Smallpox had flu like symptoms and killed a large amount of people who contracted it. The virus killed people in the Old and New World spreading from continent to continent. Three hundred million people have died from the disease known as small pox. The world was looking at another super bug. Thanks to Edward Jenner and animal testing, he was able to successfully create a vaccine that saved millions of lives. Edward Jenner was able to take notice of how milkmaids never contracted smallpox, but instead ended up catching cowpoxs. He made an assumption that this was because cowpoxs ended up acting as a vaccine for the milkmaid. Jenner wanted to prove that this was the case so he injected a young boy with pus from a boil infected with cowpoxs. Jenner waited, and then he exposed the boy to smallpox. The boy never contracted smallpoxs. The boy was immune. Today, smallpox is ultimately eradicated form Earth (Riedel). This would have never been possible without the ability to test and experiment on animals. There are many medical breakthroughs that go on within the world of biomedical research. The way they do this is through using animals as test models. There are regulations that protect animals in these studies, and for the most part the scientific community takes care of these animals by hiring veterinarians. They are usually scheduled to visit once a week to check on the health of these animals. The United States federal law that covers animals in research is the Animal Welfare Act (New England Anti-Vivisection Society). This law does not provide protection to cold-blooded animals or species such as rats, mice birds, etc. (New England Anti-Vivisection Society). This is the right way at going about this. Scientists are humans too. They treat these animals as human as possible, but they do these experiments to better the life of the human race and advance medical and biological knowledge. By protecting animals in research it should allow for more support and lead to more medical breakthroughs. In the 1950s, Polio was running ramped effecting children and adults. Men, women, and children had to live their lives with paralysis in parts of their bodies. Polio crippled those who were infected; limiting the things they were cable of doing. Children were unable to go to school. Most of them were kept in hospitals at a polio ward having to walk around with leg braces or even restricted to a full body cast. Victims of polio lived harsh lives and ultimately ended up living with it or dying. Even Franklin Delano Roosevelt, President of the United States, contracted polio. In the article, Polio Elimination in the United States, it states In the early 1950s, before polio vaccines were available, polio outbreaks caused more than 15,000 cases of paralysis each year in the United States, (CDC). Just in the United States, polio was becoming an epidemic. It wasnt until Erwin Popper started doing tests on monkeys that a breakthrough was discovered. Years later Jonas Salk was able to produce a vaccine. Polio and smallpox are just two examples of epidemics that had a major impact on society. Many epidemics have been able to be cured, starting by using animals as test models. Millions of people have been able to be protected and not have to worry about contracting a disease that would paralyze you for your life. Cancer used to be a death sentence, but now after using animals there are treatments to combat it and have a good chance of living. Anyone who has ever took any type of medicine has benefited from animal testing. The human race is not the only species that prospers from doing research and tests on animals. Believe it or not, animals actually can benefit from these tests. In 1978, a disease began to spread among dogs called canine parvovirus. This disease was infecting dogs causing vomiting, diarrhea, dehydration, and also death. Scientists were able to recognize that this disease was relatively the same as feline panleukopenia virus and create a vaccine from it. According to the Aalas Foundation, Since a vaccine was already available for the feline panleukopenia virus, a vaccine for parvovirus was developed, tested, and made available for distribution within a year, (Aalas Foundation). Dogs across the world were able to get vaccinated and recover from the parvovirus. Not only has it helped dogs, animal testing has helped save endangered species. Asian elephants are an endangered species that are at risk of becoming extinct. Baby Asian elephants are susceptible to a certain deadly strain of the herpes virus known as the elephant endotheliotropic herpes virus (EEHV). This virus is killing young elephants when they contract EEHV in just a matter of a few days. In the article Generation and Characterization of Antibodies against Asian Elephant, it states, Elephant endotheliotropic herpesvirus (EEHV) can cause lethal hemorrhagic disease, particularly in juvenile Asian elephants in captivity, (Roca). It is our job to help prevent extinction from any species on this earth. Ironically, to help these elephants we have to experiment on animals. Scientists are using rats and mice as models for the elephants. They are studying how the virus affects the antibodies. As of right now they have successfully sequenced the virus genome according to the Foundation for Biomedical Research. This breakthrough will assist in the process of making a vaccine for EEHV. Animal testing is not just for vaccines and cures, it is also to test and see if products are safe for human use. A big part of animal testing is to ensure products are safe for human use. Researchers use animals to make sure no toxic chemicals will put the consumers health at risk. If it werent for animals, how else would products be tested? To test safety for humans you would have to administer the drug and hope for the best. Imagine if someone took a pill that had been untested and did serious harm or death. There would be outrage and the company could not help it because the legal way of testing drugs would not be adequate. According to the Federal Drug Administration, Only 8% of the drugs tested on the animals are determined to be safe for humans, (Animal Legal Defense Fund). If these products went onto the market untested, it could cause severe damage to the consumers ranging from skin irritation all the way to blindness. If the choice were between a human and an animal, the logical choice would be to choose the animal. Animals do not necessarily contribute as much as a human does to society. The counter-argument on the subject of animal testing is that it is immoral and wrong. These same people will go out to lunch and dine on an animal that had just been slaughtered for someone enjoyment. The reason scientists study are to better the lives of the people. Under that statement, it is not immoral. A common point that the people who oppose the belief that animal testing is justified is, there are other ways to test using cells instead of a living system. The problem with using cells in pitri dishes is that it isnt a living system. Leslie Thompson, a Neurobiology Professor at UC Irvine, says, You can tweak the system with genetics that you cant do with other systems. The reason we study these living systems is because they have the appropriate structures, (Foundation for Biological Research, Youtube). A cell cannot suffice as a living system. The cell cannot resemble the complexity of the whole organism. Also, you cannot do the same studies and experiments you would do on an animal model. Scientists will induce the animal model and give them the disease they are trying to find a cure for. It would be immoral to give a living human a life changing disease. Another point that they make is to say that the experiments of unnecessary and they feel pain. According to the article, Necessary, but Not Sufficient. The Benefit Concept in the Project Evaluation of Animal Research in the Context of Directive 2010/63/EU it states that, According to Directive 2010/63/EU, project proposals involving experiments on animals have to be approved in a harm-benefit-analysis (HBA) that weighs the potential benefits of the experiment against the harm inflicted on animals, (Eggel Grimm). Each experiment is carefully examined and made sure to have a purpose that can help out a certain group. The animals are also given anesthesia so they wont feel pain during any procedure.

Informative Speech Outline On Heroin - 928 Words

Kiah Bucher Comm 100.03 Mr. McGrath Persuasive Speech Outline Topic: Heroin Addiction Treatment General Purpose: To persuade Specific Purpose: To gain passive agreement that all drug recovery center should make available the option of medication assisted treatment drugs in, and after, their recovery programs for heroin addicts. Introduction Attention getter: 41 people die everyday in America due to heroin overdose. According to the national institute on drug abuse heroin usage have risen from 2002 to 2016 from around 404k users to 948k users. The overdoses have blow up from two thousand deaths in 2002 to 15 thousand deaths in 2016. That means about 1.6% of heroin users die to overdoses a year. Tie to audience: If anyone you know†¦show more content†¦Relapse after completing a program is especially dangerous because the addicts low tolerance may cause them to overdose. Kentucky facilities report up to 75% dropout rate of the 12 step program. At the most successful facility with a 40% dropout rate, they reported half of those who completed it relapsed within the year. To paraphrase Dr. A. Thomas McLellan when the 12 step program was widely picked up no one understood the science of addiction, â€Å"We started off with the wrong model.† There is a sense of self accomplishment and strength from within that inspired this program into existence. Professionals have known the system has been broke for awhile, so it was alarming that 90% of drug recovery centers where abstinence was the only solution. Whether this practice came from alcohol treatment, or if the return opioid patients was noted and exploited, I do not know. The financial incentive to tell people the ir treatment is working on others exists. As residential stay can cost around $31K. [Transition: But something in this system to change, so let’s talk about the other 10% of facilities.] Solution l: Other drug treatment facilities use partial opioid agonists like methadone and suboxone. Suboxone is a combination of two drugs that reward a user for correct usage, block the effects of other opioids, and if misused gives a nasty hangover. The drug gives the user similar

What Is Religion Essay Example For Students

What Is Religion Essay Reflection PaperWho is God?, this becomes as impossible a question to answer as the question Who am I?. Michael Himes, the author of this book which is called, Doing the Truth In Love, expresses his ideas and thoughts on how we are supposed to think about God, feel about God, and understand who and what God is. Mr. Himes, explains first and foremost that God is a mystery. He gives his opinions on how He is mystery and on how we should identify God with God. Himes states that God is agape, unconditional love. My problem with this is how does Himes know who or what God is? He has never met God, to find out and he has never asked God either. We believe that God has undying and pure love for us but we dont know that for sure. God is the Trinity, meaning the father, son, and holy spirit. So is it that when Himes means that god is mystery, agape, and relationship; he means that the trinity stands for these three definitions of God? I think so. Perhaps the most powerful statement made about religion was made by Dr. John Simmons of Western Illinois University. He makes the valid point that religion is not a noun, but a verb. Religion is based on beliefs and how people act based on those beliefs. Tradition, prayer, and meditation are all acts of religion and are considered intangible behaviors. Although many rituals of religion are things, the ethical and social portions are lifestyles. In addition to this point, Dr. Simmons mentions the possibility of religion being founded as a way to understand and answer important questions about life and death. People must find out who they are, why they are here on Earth, and what purpose their life holds. Questions known as boundary questions are posed when humans are faced with new situations in their lives (Beliefs and Believers, Class 1). They must believe that there is reasoning to support their actions. Rites of passage are the most frequent experiences involving boundary question s. For example, as a child of Christian parents, I was told that people die because it is their turn to be with Jesus. Heaven made sense to me and comforted me, knowing that my loved ones would be in such a wonderful place. Also in the Christian religion, questions may arise about the beginning of life and how we got to Earth. The myth of Adam and Eve and the story of the Creation answers that for Christian believers. As for my purpose on Earth, my question was answered by the Christian doctrine. I am here to spread the word of God in actions and words so that all humans may know His love. However, these answers do not make sense to all humans because each religion has a different story. It is imperative to keep an open mind when defining and understanding religion. Every religion holds truth to the believers, and gives them a sense of identity. There is no right or wrong answer to the question of which religion to follow, only interpretations and behaviors according to what makes s ense to the individual. People will behave as they believe (Beliefs and Believers, Class 1). Another equally important remark I came across in my studies was one by the Methodist pastor Rev. Cecil Williams. Williams main topic of discussion was that of toxic religion and inspiring social action. Williams begin the interview by saying, Be careful of religion because religion is toxic (Williams Interview, Class 2). He means that believers are not focusing on the actions, but the outcomes instead. You cannot genuinely identify with a religion or call yourself a religious person unless you relate to other human beings or form relationships that work to ease human suffering (Simmons Study Guide, 15). Again, I was reminded of my own beliefs and the history of my religion when I explored the meaning of this statement. Contrary to popular belief, this nation was not founded on the basis of religion. America was founded by men in search of power and money who used their religious beliefs, pr edominantly Protestant Christian, as an excuse for their brutality. Not all believers act on their beliefs, creating a fine line between which are factious and which are not. The first attempts at colonization proved to be unsuccessful in the late 1500s and early 1600s. They came professing religious freedom and tolerance, yet brutally murdered Indians who would not comply with the European interpretation of Christianity. Even the Puritans, who were extremely devoted to their religion, failed to honor some of the most important ethical views of Christianity when they arrived in New England in 1630. The Puritans were very vocal about their quest for an ideal life. They believed in pre-destination yet still worked very hard to save the heathens from eternal darkness. They believed in the Ten Commandments, yet still judged those who were not Christian. Perhaps the most widely known example is that of the Salem Witch Trials. An epidemic of accusation was started because of contradicting beliefs ( Tindall, 36).Instead of focusing on how to nurture their current world, the Puritans caused mass mayhem and interrupted a peaceful environment. You cant have a new heaven until you have a new earth (Williams Interview, Class 2). .u9947b80d3ed4b7c7f0945c6a3404bca1 , .u9947b80d3ed4b7c7f0945c6a3404bca1 .postImageUrl , .u9947b80d3ed4b7c7f0945c6a3404bca1 .centered-text-area { min-height: 80px; position: relative; } .u9947b80d3ed4b7c7f0945c6a3404bca1 , .u9947b80d3ed4b7c7f0945c6a3404bca1:hover , .u9947b80d3ed4b7c7f0945c6a3404bca1:visited , .u9947b80d3ed4b7c7f0945c6a3404bca1:active { border:0!important; } .u9947b80d3ed4b7c7f0945c6a3404bca1 .clearfix:after { content: ""; display: table; clear: both; } .u9947b80d3ed4b7c7f0945c6a3404bca1 { display: block; transition: background-color 250ms; webkit-transition: background-color 250ms; width: 100%; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #95A5A6; } .u9947b80d3ed4b7c7f0945c6a3404bca1:active , .u9947b80d3ed4b7c7f0945c6a3404bca1:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #2C3E50; } .u9947b80d3ed4b7c7f0945c6a3404bca1 .centered-text-area { width: 100%; position: relative ; } .u9947b80d3ed4b7c7f0945c6a3404bca1 .ctaText { border-bottom: 0 solid #fff; color: #2980B9; font-size: 16px; font-weight: bold; margin: 0; padding: 0; text-decoration: underline; } .u9947b80d3ed4b7c7f0945c6a3404bca1 .postTitle { color: #FFFFFF; font-size: 16px; font-weight: 600; margin: 0; padding: 0; width: 100%; } .u9947b80d3ed4b7c7f0945c6a3404bca1 .ctaButton { background-color: #7F8C8D!important; color: #2980B9; border: none; border-radius: 3px; box-shadow: none; font-size: 14px; font-weight: bold; line-height: 26px; moz-border-radius: 3px; text-align: center; text-decoration: none; text-shadow: none; width: 80px; min-height: 80px; background: url(https://artscolumbia.org/wp-content/plugins/intelly-related-posts/assets/images/simple-arrow.png)no-repeat; position: absolute; right: 0; top: 0; } .u9947b80d3ed4b7c7f0945c6a3404bca1:hover .ctaButton { background-color: #34495E!important; } .u9947b80d3ed4b7c7f0945c6a3404bca1 .centered-text { display: table; height: 80px; padding-left : 18px; top: 0; } .u9947b80d3ed4b7c7f0945c6a3404bca1 .u9947b80d3ed4b7c7f0945c6a3404bca1-content { display: table-cell; margin: 0; padding: 0; padding-right: 108px; position: relative; vertical-align: middle; width: 100%; } .u9947b80d3ed4b7c7f0945c6a3404bca1:after { content: ""; display: block; clear: both; } READ: Arts Management Final EssayFurthermore, the topic of religion cannot be discussed without mentioning its pervasiveness. Religion is an aspect of human existence compromising elements such as experience, ethics, beliefs, ritual, and institutions. Like political behavior, religion is not everything in life, but is an aspect of life. Religion is structured into our government. Not only does our Pledge of Allegiance and motto use God as a foundation, but also the separation of church and state show how each American is aware and ultimately affected by religion. It encompasses various disciplines, and although we are all not equally so, everyone is religious to an extent (Smart , 4). It is important to cherish the integrity of our own religion, likewise is it to appreciate the beliefs of other religions as well as non-believers. Appreciating and adopting are words with very different meanings (Marty Interview, Class 1).Lastly, I was very intrigued by the idea set forth by Dr. Simmons and the Sermon on the Mount that many religious movements begin with redefining human identity and relationships. As he points out, I grew up relating the Beatitudes to an already established Christian faith. This roll-in was especially powerful to me because it introduced me to an entirely new idea about the foundation of Christianity, shaking a firm belief I have always had. The fact is that Jesus of Nazareth was a Jewish Rabbi who disagreed with the teachings of the Torah and, in turn, invented the religion of Christianity. In His first sermon, Jesus spoke against the traditional Jewish teachings and replaced them, with gentler teachings of love and kindness. Although He ne ver intended to create Christianity, He began a religious movement that turned into Christianity (Simmons Study Guide, 16). Again, I reflect to the Puritans who spoke out against the Catholic Church of England and founded the Protestant form of Christianity. Perhaps many more religions will continue to be created as other charismatic leaders, such as Christ, deepen the exploration of their own identity and relationships. In conclusion, there is no simple definition for religion. It is a complex set of beliefs and behaviors that set apart individuals on their quest for enlightenment. Religion gives people a sense of identity and answers profound life questions otherwise unobtainable. In only a short period of time, my perception of religion has changed vastly. I have been introduced to many other perspectives that have impacted my own beliefs. I hope that as I continue to study new religious ideas, my understanding and knowledge will grow as well. BIBLIOGRAPHYBeliefs and Believers. Teleclass. University Park, Illinois: Governors State University, 1999Marty, Martin. Interview with Dr. John K. Simmons. Beliefs and Believers:University Park, Illinois: Governors State University, 1999Simmons, Dr. John K. Beliefs and Believers Teleclass Study Guide. Dubuque, Iowa: Kendall/Hunt, 1999Smart, Ninian. Worldviews: Crosscultural Explorations of Human Beliefs (Third Ed). Upper Saddle River, NJ: Prentice-Hall, 2000Tindall, George. America: Brief 5th Edition. NY, NY: Norton, 2000Williams, Rev. Cecil. Interview with Dr. John K. Simmons. Beliefs and Believers:University Park, Illinois: Governors State University, 1999Words/ Pages : 1,331 / 24