Saving for Retirement Essays - Taxation In The United States

Persuasive Speech On Saving For Retirement Persuasive Speech on Saving for Retirement Dateline: 08/17/98 In virtually every business college, you will have to take some form of speech/communication class. Here's a persuasive speech with a format that Business Majors Guest Writer Allen Yamazaki used for his Speech 251 class. You can also learn about saving for retirement at the same time. Saving for Retirement General Purpose: To persuade Specific Purpose: To persuade the audience to start saving for their retirement Central Idea: Starting early to save for retirement has many benefits over Social Security Introduction: I. (Attention Getter) Only 2 people out of the 19 responses I got from the survey have started saving for their retirement. A. This is understandable because most of us probably think that retirement is something that is eons away. B. Because we are college students, our school schedule only allows us to work part time. C. Between the 2 people that has started saving for their retirement, one person currently works full time. And this person also is participating in their employer's profit sharing program or 401K plan. And this person also owns stocks. This person already has a good start. II. (Credibility Statement) I myself have started saving for my retirement by starting an IRA. III. (Reveal Topic) You simply cannot rely on Social Secur

Humbug Definition

Humbug Definition Humbug was a word used the 19th century to mean a trick played upon unsuspecting people. The word lives on in the English language today thanks largely to two notable figures, Charles Dickens and Phineas T. Barnum. Dickens famously made â€Å"Bah, humbug!† the trademark phrase of an unforgettable character, Ebenezer Scrooge. And the great showman Barnum took delight in being known as the â€Å"Prince of Humbugs.† Barnum’s fondness for the word indicates an important characteristic of humbug. It isn’t just that a humbug is something false or deceptive, it is also, in its purest form, highly entertaining. The numerous hoaxes and exaggerations which Barnum exhibited during his long career were termed humbugs but calling them that indicated a sense of playfulness. Origin of Humbug as a Word The word humbug seems to have been coined sometime in the 1700s. Its roots are obscure, but it caught on as slang among students. The word began appearing in dictionaries, such as in the 1798 edition of A Dictionary of the Vulgar Tongue edited by Francis Grose: To Hum, or Humbug. To deceive, to impose on one by some story or device. A humbug; a jocular imposition, or deception. When Noah Webster published his landmark dictionary in 1828, humbug was again defined as an imposition. Humbug as Used by Barnum The popular use of the word in America was largely due to Phineas T. Barnum. Early in his career, when he exhibited obvious frauds such as Joice Heth, a woman said to be 161 years old, he was denounced for perpetrating humbugs. Barnum essentially adopted the term and defiantly chose to consider it a term of affection. He began to call some of his own attractions humbugs, and the public took it as good-natured kidding. It should be noted that Barnum despised people like con men or snake oil salesmen who actively cheated the public. He eventually wrote a book titled The Humbugs of the World which criticized them. But in his own usage of the term, a humbug was a playful hoax that was highly entertaining. And the public seemed to agree, returning time and again to view whatever humbug Barnum might be exhibiting. Humbug as Used by Dickens In the classic novella, ​A Christmas Carol by Charles Dickens, the miserly character Ebenezer Scrooge uttered â€Å"Bah, humbug!† when reminded of Christmas. To Scrooge, the word meant a folly, something too silly for him to spend time on. In the course of the story, however, Scrooge receives visits from the ghosts of Christmas, learns the true meaning of the holiday, and ceases to regard celebrations of Christmas as humbug.

How to Write About Ranges

How to Write About Ranges How to Write About Ranges How to Write About Ranges By Mark Nichol A range is, in written expression, the numerical difference between or among two or more values, or a pair of elements denoting the end points on, and perhaps one or more elements along, a continuum. Using sentences with errors in expressing ranges, this post discusses how to correctly do so in writing. The school enrolls students in grades 9 12. The correct treatment of a range numbers expressed in numerals is one number followed by an en dash (although some publications employ a hyphen) and another number, with no letter spaces: â€Å"The school enrolls students in grades 9–12.† This style, with a numeral range, is correct even when a publication uses a style system in which references to numbers are usually spelled out if the number is one hundred or less. However, if the range is expressed with to (or through) instead of a dash, the numbers should, in that case, be spelled out: â€Å"The school enrolls students in grades nine to twelve.† Operating hours are from 9 a.m.–10 p.m. If from precedes the expression of a number range, to, rather than a dash, should intervene between the two values: â€Å"Operating hours are from 9 a.m. to 10 p.m.† (If a dash is preferred, delete from: â€Å"Operating hours are 9 a.m.–10 p.m.†) Only a handful of school districts within a 30-40 mile radius rank among the top twenty-five school districts. The solution for this example is not simply to replace the hyphen with a dash; the range must be recast as shown here: â€Å"Only a handful of school districts within a 30- to 40-mile radius rank among the top twenty-five school districts.† The expressed range is not â€Å"30–40†; it is â€Å"a 30-mile radius to 40-mile radius,† with the first value truncated to the number and a suspensive hyphenation. (This range can also be expressed â€Å"a radius of 30 to 40 miles.†) Qualifying businesses are those with revenues of $10–$20 billion. This sentence suggests that the low end of the range is $10, rather than $10 billion. Except in the case of suspensive hyphenation, values should be fully expressed: â€Å"Qualifying businesses are those with revenues of $10 billion–$20 billion.† The sanctions impact the economy broadly, affecting business transactions ranging from the import of airplanes; the export of caviar, carpets, and pistachios; and the manufacturing of cars. The sequence of phrases specifying trade and production of goods does not constitute a list; it is a range that includes three elements. From must be complemented by to, and the semicolons are extraneous and intrusive: â€Å"The sanctions impact the economy broadly, affecting business transactions ranging from the import of airplanes to the export of caviar, carpets, and pistachios and the manufacturing of cars.† These range from restricting access for the sanctioned entity to the US financial system, to prohibitions on investing in a sanctioned entity, to restrictions on imports from the sanctioned entity, to the exclusion from the U.S. of controlling officers or controlling shareholders of a sanctioned entity. Elements consisting of a sequence of phrases indicating a range and beginning with one element preceded by from and one or more subsequent elements preceded by to should not be interrupted by punctuation: â€Å"These sanctions range from restricting access for the sanctioned entity to the US financial system to prohibitions on investing in a sanctioned entity to restrictions on imports from the sanctioned entity to the exclusion from the United States of controlling officers or controlling shareholders of a sanctioned entity.† If the sentence is not clear without punctuation, recast the sentence. In many cases, including the sentence used as an example here, the use of from and to as signifiers of a range is not necessary, as a given sequence may not necessarily indicate a range that implies priority of one phrase over another. (Here, the sequence does not explicitly express increasingly strict sanctions, though they may be inferred to be so.) When this is true, simply revise the sentence to express a simple list: â€Å"These sanctions include restricting access for the sanctioned entity to the US financial system, prohibitions on investing in a sanctioned entity, restrictions on imports from the sanctioned entity, and the exclusion from the United States of controlling officers or controlling shareholders of a sanctioned entity.† Want to improve your English in five minutes a day? Get a subscription and start receiving our writing tips and exercises daily! Keep learning! Browse the Style category, check our popular posts, or choose a related post below:Arrive To vs. Arrive AtHow to Pronounce MobileTrooper or Trouper?

The Emerald Forest by John Boorman Movie Review

The Emerald Forest by John Boorman - Movie Review Example Apart from the difference in the authority structures of these two societies, their entire life styles and cultures are different. Western modern society is developed and advanced in terms of technology and uses machine guns and weapons to fight, aero planes to travel and other machines to cut off forests and clear the land for construction, whereas the invisible people do not have much use of technology as they use arrows and spears to fight and travel by walking long distances (â€Å"Proyect†). As wanadi says, â€Å"When I was a boy, the edges of the world was very far away, but it comes closer each year.† It means that western world is growing in technology and now travelling across the entire world to reach far off places have become easy and fast. However, as technology is enhancing it is destroying the natural environment more (â€Å"The Emerald Forest†). Air pollution from the aero planes, cars etc have increased resulting in various diseases affecting our respiratory systems when we inhale the oxygen present in the air. Also the modern guns and weapons have resulted in the increasing demolition of mankind who are killed in massacres. The machines used to clear off forests have destroyed the beauty of the world and the indigenous livelihood (â€Å"The Emerald Forest†). The natural resources are being depleted with the adoption of new technology. This is the reason that the people of the western world were called to be Termite as they cut down big trees and destroy the real world which is in forests (â€Å"The Emerald Forest†). The invisible people are loving, caring, innocent people who calls the forest as their world, who keeps to themselves, away from western society and just want... Both the traditional culture and the culture of the western American societies have their own good and bad points but in my view, the culture of the invisible people is far better than that of the westerners. The reason is that the invisible people were good hearted, loving humans who were satisfied with their lives and were happily living with their people in their world. Their culture satisfies all their humanly needs like physiological needs of food, water, sex etc, the safety needs by providing them shelter, resources to survive, health, their emotional needs by providing family, love, and by giving a sense of community in which people can depend upon each other in time of their need, their esteem needs i.e. their culture teaches them how to respect others and confidence and finally the highest level of human need that is self-actualization by providing them problem-solving capabilities and morality. The traditional culture promotes spirituality and the feeling of community which makes them selfless people who unlike the westerners do not tear apart nature and others feel for their own needs or motives. This view is further supported by Karl Marx, Sigmund Freud and Emile Durkheim who also views modern society as a misery in which people are unhappy and never fully satisfied. Even though they all have the same conclusion, they have different reasons for their views. According to Karl Marx, this misery results from capitalism which divides society into two major groups Bourgeoisie and Proletaria.

Customer Relationship Management Essay Example | Topics and Well Written Essays - 1000 words

Customer Relationship Management - Essay Example CRM is a broad aspect and can be used from the perspective of consumer, business and implementation of strategies. CRM can be broadly divided into three major categories namely, functional, business strategy and implementation. Functional category includes aspects which relate to the functional areas of an organization and includes areas like sales force automation, customer support etc. The business strategy aspect can be divided into three types which are business, technology and customer. The implementation perspective can be divided into analytical, collaborative and operational based practices. Analytical CRM is a tool that seeks to gather and analyse data related to operational aspects of an organization. Tools like OLAP and other data warehousing techniques help in creating a better experience for consumers by improving their relationship with the organization. Collaborative CRM focuses upon the different points of interaction with the customer and the firm and serves to integ rate the various channels of communication for a better service delivery. Operational CRM helps in providing solutions with regards to various back and front end support for administrative and customer related aspects by integration with different databases to provide customer friendly support and delivery business processes (Motiwalla & Thompson, p.332-333). CRM not only aims at developing a better relationship with the customers but also strives towards creating an all round development.... Collaborative CRM focuses upon the different points of interaction with the customer and the firm and serves to integrate the various channels of communication for a better service delivery. Operational CRM helps in providing solutions with regards to various back and front end support for administrative and customer related aspects by integration with different databases to provide customer friendly support and delivery business processes (Motiwalla & Thompson, p.332-333). Scope and Importance of Customer Relationship Management CRM not only aims at developing a better relationship with the customers but also strives towards creating an all round development of relationship with all the major stakeholders including the suppliers who play a crucial part in the sustainability of the organization. The main aspects of CRM include knowledge of the customer, an effective strategy directed towards maintaining a relationship with the customer, communication and finally the value addition in the product or service offering (Peelen, p.7). Figure 2: Diagram showing the scope of CRM (Source: Buttle, p.299) CRM places the customer at the centre of the framework as all its intended policies are directed towards the development of customer relationship. Management of suppliers is essential considering the fact that they form the backbone of an organization’s business activities. Firms like Wal-Mart have effectively used ERP to bring about a better and efficient relationship with the suppliers so as to deliver greater value to the consumers. Toyota uses a effective CRM framework to manage its large number of suppliers which has helped in attaining efficiency which has reaped numerous operational benefits to

The Wizard of Oz Essay Example for Free

The Wizard of Oz Essay The Wizard of Oz uses film form by using similarity and repetition. With Dorothy being the main character, she is always reappearing in the film. As well as all of the characters, The Tin Man, The Lion, and The Scarecrow, have similarities to Dorothy. Each of them need something, Dorothy needs to go back home, The Tin Man needs a brain, The Scarecrow needs a heart, and The Lion needs courage. The film also progresses from the beginning to the end, as well as the characters. Dorothy starts at one spot, follows the yellow brick road and eventually makes it to her destination to see The Wizard of Oz, gets what she wants and ends up back home. The characters grow as they go. You can really evaluate this film because it is very interesting and catchy. The director carries the story very well in his Narrative form. Film Style (Mise-en-Scene) The viewers can pick up a lot from the film The Wizard of Oz. The setting is always pretty much the same, there is a lot of different colors, different shapes, and patterns. The filmmaker is always grabbing our attention with the variety of things that show up throughout the film. Something else that the viewers notice a lot is the characters, especially Dorothy. Each of their costumes represents the character, leaving the viewers to remember them by what they are wearing. The main thing that is remembered about Dorothy is her ruby red heels that end up getting her back home. Dorothy receives the ruby red heels at the beginning of her adventure and she wears them all throughout the film down the yellow brick road, and at the end of the film the ruby red heels have a big significance. Dorothy ends up getting let in to see the Wiz of Oz only because of the ruby red heels. Eventually, Dorothy clicks her ruby red heels together and they magically get her back home. (Cinematography) The Cinematography that the Wizard of Oz used is a benchmark for Technicolor’s three-strip process. The individual colors stand out everywhere, and there is never a trace of chroma noise. The image is brighter and sharper in the film. The contrast of the film really affects the mood. Since the contrast is so bright the viewer is bound to stay focused and aware because everything is so catchy and noticeable. Also, the exposure changes throughout the film. At the very beginning the film starts in black and white and changed to color as the story progressed. The filmmaker uses a lot of Long Takes, each shot of Dorothy meeting someone new is pretty lengthy. (Editing) The Wizard of Oz is an early film but editing is used quite a bit. First off, the absence of color in the beginning and the ending of the film. This sets an overall feeling of Dorothy being home. Next the film turns to color once Dorothy dreams of being in a different world, the color, yet again, set an overall mood for Dorothy in this new world â€Å"Over the rainbow.† The first steps of Dorothy being in the world of The Wizard of Oz gives off an example of inside and outside editing. The shot begins with a close up of Dorothy’s face and the camera slowly moves out to show everything else around Dorothy, which was the start of the yellow brick road and Munchkin land. After the viewer see all of that, the camera moves back in to Dorothys face when she says that they are not in Kansas anymore. One editing transition used a lot in The Wizard of Oz is the fade-in and dissolve. Another is cross-cut, two events occurring at the same time but in two different locations. This is used in the scene at the poppy field, after Dorothy and her friends meet the Lion. The shot zooms out to the Witches crystal ball, and fades away. Then the Witch looks into her crystal ball and can see the poppy field, zooming back in to see Dorothy and her friends on their adventure to see The Wizard of Oz. (Sound) The perceptual properties of film sound used in The Wizard of Oz are the loudness (volume) and pitch. The scenes where the group sing â€Å"We’re off Were off to see the Wizard, The wonderful Wizard of Oz, Youll find that the man is a whiz of a Wiz, If ever a Wiz there was, If ever, if ever a Wizmthere was, The Wizard of Oz is one because, Because, because, because, because, because, Of the wonderful things he does, Were off to see the Wizard, The wonderful Wizard of Oz,† the volume as well as the pitch always go up. The rhythm flows really well. An example from the Wizard of Oz that shows non-diegetic sound is when Dorothy is talking to the Wicked Witch and the Good Witch. The characters conversation is mirrored with the music playing in the background. The non-diegetic sound supports the narrative. As well as helping the viewer’s get an emotional attachment to the shots. (Narrative)

Current Issue Article :: essays research papers

I found this article to be very interesting it ties very well into what we have been learning about with the universe. The article talks about how astronomers have used old stars to determine the age of the universe. The article tells how Timothy Beers and his associates have discovered a radioactive isotope, uranium-238, in a metal-poor star located on the outskirts of the milkyway. I suppose I should give a little back that the article talked about first. Astronomers have found the age of many stars by using radioactive dating. See astronomers are able to calculate the age of a star by using this radioactive dating. This method does work for older stars that were formed from just hydrogen, helium and lithium these are nonradioactive elements that are called metal poor-stars. Well it is believe that some of these stars were massive and exploded and set off nuclear reactions that made a second generation of metal-poor stars and some of these stars contained radioactive isotopes. So now that leads us to were I started until the discovery of uranuim-238 astronomers were only able to detect isotope-thoruim-232. Well with the discovery of this star that contained uranuim-238 researchers were able to calculate the age of the star and make an estimated minimum age of the universe. Astronomers hope that with the discovery of more of these stars they will be able to find the minimum age of the universe.   Ã‚  Ã‚  Ã‚  Ã‚  I know that was a long explanation I just don’t think I could have made it shorter. Any ways I picked this article because I found it so interesting. I mean to think that for thousands of years astronomers have been studying the stars and here in the year 2001 they are still making discoveries.   Ã‚  Ã‚  Ã‚  Ã‚  On the other hand is knowing the age of the universe going to make some big impact on our lives. I guess what I am wondering is I am sure that they are spending millions of dollars for this research.

Foreign Direct Investment Essay

Today, the traits of foreign investment have change than it was for two decades. Then it was mainly followed by the â€Å"multinational† companies to build their image. Foreign investment was never deemed as an autonomous â€Å"economic activity†, in fact I was always conceived to be a procedure to assist in trade related activities. However, one can not perceive â€Å"foreign direct investment† as an assistant to trading activities. It is necessary for the growth and development of capital that the resources should be efficiently distributed and apportioned. Nowadays, the flow of capital is against the expectations, as most of the capital moves towards the â€Å"developed countries†. (Konrad, 2000) The fact is that excessive flows of capital must have been initiative in the â€Å"developing countries†. These have the dire need of direct capital investments for development and reconstruction. Although, developing countries do have room for these types of investments, the presence of high â€Å"risks† there discourages high foreign investments. Hence, one can say that today the largest piece of work is to introduce reforms in the process of capital distribution. Being a new concept all the â€Å"large and small† countries adopted â€Å"foreign direct investment† with great â€Å"concern† and doubts. Today it is a part of the aims of the companies to facilitated and sustain foreign direct investment. Large enterprises go for external investments. However, the availability of â€Å"mutual fund† has facilitated foreign investment to the â€Å"small investors†. (Konrad, 2000) Today, most of the developing countries are experiencing high capital flows. In other wards one can say that foreign direct investment is the major source of capital availability in the developing countries. It has even taken over the funds provided by the government and â€Å"multinational† banks for development and reconstruction of the developing countries. About one third of the investments in developing countries are actually done by the international investors. Recently, the flows of capital form the â€Å"developed† to the developing countries have spiked causing the positive outcome of the investments from the OECD to the â€Å"non-OECD† countries. (Konrad, 2000)   The increasing importance of the â€Å"foreign direct investment† has increased the demand for the creation of an international investment platform. Investment is actually functioning of economics that enjoy high social importance. It also assists in the achievement of maintenance and growth of the countries. The role of policies in the sustainability of investment in the develop countries helps to form â€Å"Market disciplines†. It is for this reason that most of the â€Å"policy-makers† rely upon it in the development of the policies. (Konrad, 2000) The lust of making money has many dire implications. The US government’s stances to raise the investment prospects resulted in high reception of taxes during 1992-1998. This increase in the â€Å"value† of investment areas termed quite profitable for the US. It got the chance to overcome its â€Å"budget deficit†, to build an appreciable budget for defense purpose; it also helped the US government to make certain national and international investments. That ultimately led to its development and strong economic presence in the world. However, the situation is opposite in the â€Å"developing countries†. There the â€Å"policy makes† are facing many difficulties in the investment and development of society mainly because of the availability of limited capital inflows. (Konrad, 2000) The greater increase of Foreign Direct investment among OECD countries-â€Å"Organization for Economic Co-operation and Development†- show that the OECD do have some stake in such type of investments. In fact the most of the foreign direct investment in developing countries is actually a result of the investment done by the OECD countries. Notwithstanding, yet OECD countries have not adopted a â€Å"multilateral agreement† for such type of investment. These types of investments can only be facilitated and practice by following the â€Å"guidelines† set by the United Nations.   The policies adopted by the European Union for the implementation of foreign direct investment are totally different from other countries. Most of the â€Å"treaties† and policies followed by the EU member states preserve â€Å"foreign direct investment† in them. The EU countries cannot sign or â€Å"negotiate† any â€Å"multilateral† investment proposal individually. However they can form a â€Å"bilateral† investment proposal individually. (Konrad, 2000) The well known matter of foreign direct investment is â€Å"home state†. This principle refers to a country’s ability to hold the investment made by its investors in some other country. This principle have stake in the foreign investment even after completely depending upon the â€Å"state responsibility principles† and the involvement of diplomats.   This principle proves that both investments and trades have different implications. (Konrad, 2000) Foreign direct investment is in many ways necessary for attaining â€Å"development† which can be maintained for a longer period of time. Unfortunately. most of the current investment policies and the framework are not properly maintained. A proper â€Å"investment† is required to take over them. Therefore, a collective â€Å"international investment regime† is required to facilitated and make public foreign direct investment. Today, due to increase in the direct investment from foreign countries developed countries have a limited share in the investment GDP than they had during the â€Å"Environment and Development Conference† conducted by the UN. Today, countries like â€Å"Brazil, China, Chile, Argentina and Mexico† have a big share in the implications of foreign direct investment. However, it is not reliable for a country to totally rely upon this type of investment. Using such type of investment to develop funds ends finishes all its resources. (Konrad, 2000) This may affect the ability of the country to invest for maintaining its development. In other words the outflow of capital should be directed towards the developing or underdeveloped countries. Up till now all the initiations to constitute an â€Å"international investment regime† have failed only because of the divergence of perspectives among the United Nations and the OECD.   United Nation has mainly focused upon the duties of the â€Å"multinational corporations† however the OECD countries are concerned with the â€Å"Investors rights† to introduce reforms in their investment’s security. (Konrad, 2000) Today, it is really necessary to differentiate between the â€Å"rights† and duties of the private and public sector investors. Unfortunately, none of the current international corporations are following this approach to attain compatible foreign direct investments for their country. It is necessary for most of the â€Å"international† corporations to build an equilibrium investment policy. Only then a capable foreign direct investment policy can be developed and implemented. Moreover, â€Å"the relationship between the investor† and the country been invested in is different from the relationship between the exporting country and the importing country. It is obligatory upon the investors to attaint the investing rights of the country, he wishes to invest in.   And it is for this reason the development of an international investment platform is necessary. (Konrad, 2000) For the implementation of the foreign direct investment and the solution of wars it is necessary to have a publicaly legitimized system. It will assist in the proper functioning of the investment platform. Foreign direct investment will pave ways for the development of a platform where investment treaties could be building. A pact have been designed properly can help to meet the policies of foreign investments. These pacts will make the aims of the â€Å"foreign direct investment† platform more clear and applicable. However, the outcome of these types of small and big agreements will be the formation of â€Å"regime† that would be easily accept and implement the changes in the foreign direct investment. Up till now all the initiatives taken by â€Å"World Bank, WTO, and UN† to facilitate these investments have failed. In fact the difference of opinion among the policy makers resulted in the deadlock. Although the organization built for the just implementation of the foreign direct investment must be predictable and flexible for larger duration. (Konrad, 2000) Foreign direct investment has shown subsequent increase during last 10 years. It is believed that many factors are responsible for this increase.   To get increased capital flows from public and â€Å"private† sector and the formation of liberal â€Å"global financial system† helped in the â€Å"development and globalization† of product manufacturing. The cause for the raise in the flow of â€Å"long-term investments† towards the south is the growing interest of â€Å"public and private† investors in the region. Especially, most of the public departments and officials showed great interest for the international investments. These investments were supposed to assist in countries development and reconstruction. Foreign investments usually undermine the domestic industry. Therefore, most of the â€Å"developing countries† build certain rules and regulation for the foreign investors. These initiatives were only taken to preserve and develop the â€Å"domestic industry†. Admittedly, increasing autonomy of finance and trade as well as the growing prospects of investments has resulted in the formation of â€Å"new† atmosphere that assists in the arrival of foreign investments.   Notwithstanding, â€Å"global economy† has also played a great role to introduce new prospects in the spheres of foreign direct investments. The increase in the â€Å"intra firm trade and internationalization of production† has been actually resulted form the growing competition among the â€Å"multinational corporations (MNC)†. With the globalization the multinational organizations are also growing. Foreign direct investments are necessary for the Multinational corporations so that they can raise their competitive popularity and explore their business to the â€Å"new markets†. All the factor relating to the â€Å"demand and supply† of the foreign investments are necessary for the development of foreign direct investments (FDI). FDI involves less â€Å"risks† than other investment programs. It is for this reason that today the supply of investments and the process of â€Å"lending† are dominated by the FDIs. Although, most of the Asian countries were badly affect by the â€Å"financial crises† of 1990s, even then they enjoyed heavy â€Å"inflow† of foreign direct investments. Explicitly, most of the multinational corporations –that rely upon the exports- do not need inflow of capital for the â€Å"production† of their produce. However, the decreased in the value of â€Å"local† currency has resulted in the demand for foreign investment. It is for this reason that an environment for the foreign direct investments is progressing. Today, the competition in the â€Å"trade, transportation and telecommunication† sectors has rocketed globally. Therefore, in order to remain in the race most of the corporations have to depend upon the â€Å"Relative factor cost†. Countries more anxious to attain foreign direct investment try to make their domestic product international and to make adjustment in their infrastructure globally. This approach usually adopted by the countries where there is expensive labor.   Mostly, the ideology of â€Å"export and intra-firm trade† is linked with the â€Å"efficiency seeking† foreign direct investments. In most of â€Å"service sector† foreign direct investment is used for the formulation and implementation of â€Å"market-seeking and resource-seeking† plans. (Odele, 2001) Mostly companies willing to explore â€Å"new markets† bring the FDIs in service sector. Major aspects of the foreign direct investment is the â€Å"geographical† closeness of the developing and â€Å"new† markets. This approach is usually adopted by the corporations, want to capture and attract â€Å"new consumers†. Most the companies that want to attain â€Å"global† market adopt â€Å"cross-border† strategies for foreign investments. These strategies are based upon the â€Å"acquisition and merger (M& A)† of international firms. Mostly corporations in the â€Å"banking, telecommunications, pharmaceuticals and insurance† sector adopt M&A approach for FDI. In 1997 the merger and acquisition approach was considered the major cause of the â€Å"inflow† of the foreign direct investment in the industrial sectors. According to survey conducted by UNCTAD â€Å"mergers and acquisition† cover â€Å"three-fifth† of the foreign direct investment in the global markets. This approach has also resulted in the concession of industries in the global market. Due to increase in foreign direct investments the â€Å"productions† in the foreign market raised to $3.5 trillion. However, â€Å"global sales† show that the â€Å"international productions† have risen to $9.5 trillion. This increase in production has resulted in the increase of the GDP to about 7%. Ultimately, it seems that today foreign investments account for â€Å"one-third† of worldly â€Å"exports†. (Odele, 2001) As most of the alternatives of the inflows of capital form the foreign market decreased in 1980s, the demand for foreign direct investment surged. Initially, most of the â€Å"domestic industries† of the south countries was preserved by the â€Å"high tariffs† and restricted interference of investors form the international market. Up till now most of the â€Å"developing countries† have worked really hard to protect their â€Å"domestic† industries from the empowering of international firms. Different rules and regulation were implement in this regard e.g. heavy tariffs were demanded from foreign investors. They were allowed to invest in only limited sectors. Property rights were also denied to the foreign investors. (Odele, 2001) However, it is amid 1998s that these countries realized the importance of FDIs. Therefore, they liberalized foreign direct investment to some extent; most of the autonomy was provided in the â€Å"export oriented† sector. So that it can be compete in the international market and bring heavy reserves in the country. Yet foreign direct investors were denied independence in the other â€Å"domestic† sector. The â€Å"financial crises† of Asia was also a reason to liberalized FDIs. This crisis proved that investments for â€Å"long term† are more profitable than the â€Å"short-term investments†.   The best example in this regard is of Mexico. Who faced great loss in for its â€Å"short-term† investment plans during the financial crises? (Odele, 2001) According to â€Å"endogenous growth theory† foreign direct investments facilitates development of economy by providing â€Å"Scarce capital, technology and skills†. These three serve as elements for the creation of capital in a country. (Odele, 2001) Initially FDI were concerned to be affects the economy of the â€Å"host† country positively. But the experiment in this regards have proved that it is difficult to maintain these positive impacts of FDI upon a country’s economy. It is for this reason the response of the â€Å"host governments† towards the FDI is ambiguous. The involvement of government and proper policies can help to bring positive results of FDI. All the experiments towards the FDI are not positive but some researches have also proved negative impacts of FDI upon the domestic industry and economic growth of the country. Hence, many countries design their FDI policies with great concern. (Odele, 2001) FDI is a crucial element in the â€Å"economic development† of developing and under developed countries. Though it is true that FDI helpful in the production of â€Å"new technologies†, providing employment opportunities, facilitates international market accessibility etc. it is also termed as a major cause for the downfall of environmental peace, it badly thwarts the equality of culture and society and disrupts the association with the local governments with the economy.   (Annie et al, 2000)

Personal Carbon And Emission Trading Environmental Sciences Essay

Until the nineteenth century industrial revolution, the power of C had fuelled the moving ridge of economic development which has delivered the modern society ‘s greatest achievements such as electric lighting, cars and flights. However in the latter half of the century it was noted that these promotions were non without a cost as the first hints of the effects of the society ‘s life style or progresss on the environment began to be noticed. The effects of increased C in our environment have led to the great climatic alterations that have left the universe with more losingss and potentially more loses in the hereafter as noted in the Stern ‘s study if the universe does non undertake the effects of clime alteration. As the universe unites to contend the consequence of clime alteration, a combination of regulative and market based mechanisms are being adopted to set a monetary value on clean air. While this poses a job to concerns with high environmental hazard records, it has created an wholly new industry focused on the emerging C markets market making chance for investors. The United Kingdom has sought of ways of cut downing the consequence of C on the environments and has piloted strategies like the Emissions Trading strategy which ran as a voluntary strategy and now has joined the European Union ETS covering approximately 27 EU states. The mark to cut down emanations by 34 % utilizing the 1990 baseline by 2020 can be achieved by non merely concentrating on merely concerns but besides on the domestic sector which accounts for about half the emanations in the United Kingdom. It will be of great involvement if the United Kingdom besides pioneers strategies that could assist in cut downing single ‘s C emanations as this will travel a long manner in assisting the universe in its battle against clime alteration.IntroductionThe consequence of clime alteration can be felt all around the universe. The old ages between 1995 and 2007 were specifically recorded as the twelveth warmest out of 13 since accurate instrumental records of the planetary surface a ir temperature began in 1850. Noted amongst other climatic alterations are the heat wave that occurred in Central Europe go forthing about 20,000 people dead, periods of remarkably strong air currents in Western Europe, over 15 million trees being blown down in the early hours of the forenoon in Southern England and London countries. Apart from storms, approximately 80 Hurricanes and Typhoons have been recorded which have claimed lives and Property. Floods of unusual speed has have besides occurred due to protract rainfall or drouths, because of long periods of rainfall or decreased /complete absence of it has resulted within the twenty-first century ( Houghton, 2009 ) . These alterations have been as a consequence of the nursery gases present in the ambiance. The gases have a blanketing consequence on the Earth surface by absorbing the thermic radiation being emitted by the Earth ‘s surface. The most of import of these nursery gases is H2O vapor but because its degrees are non being changed or increased by human activities it ‘s non considered as a job but the 2nd in most of import whose degrees is increasing quickly due to human activities is the C dioxide. It has the most heat pin downing consequence out of the other six chief nursery gases. If for illustration the effects of the CFC ‘S and alterations to the ozone was ignored the addition in the C dioxide has ( would hold ) contributed about 72 % of the enhanced nursery gas consequence boulder clay day of the month, methane 21 % and azotic oxide about 7 % . ( Houghton,2009 ) . In 2007, the atmospheric concentration of CO2 has ( had ) risen by 35 % ( from 280 to 370 parts per million ( ppm ) ) since the beginning of the industrial revolution. These gases and other Greenhouse gases ( GHG ) has ( have ) led to a 0.60C ( 1.10F ) addition in planetary norm of surface temperature since 1900 and if the current tendency of addition is non checked the planetary temperatures is expected to lift to approximately 1.4 to 5.8 by 2100 which invariable means more catastrophe in the universe ( Baumert, 2005 ) . These gases and other Greenhouse gases ( GHG ) led since 1900, to an addition of 0.60C ( 1.1oF ) in planetary norm of surface temperature. This tendency is expected to lift to between 1.4 and 5.8 if non checked, and constantly will take to more catastrophes in the universe ( Baumert 2005 ) . The effects of the C dioxide on the environment has since been recognized globally and pressing stairss are been taken to cut down its farther addition and general impact on the environment. The Kyoto Protocol is the first measure taken internationally to extenuate the effects of the altering clime. This understanding signed in 1997 sets an overall decrease of 5.2 % with regard to the 1990 degrees of emanations. Assorted marks were set for groups of states and states within each group based on their economic development and part to the planetary emanation. The United Kingdom for illustration has pledged to cut down its C emanations by 34 % in 2020, the European Union besides has a committedness to cut down emanations by 8 % in five old ages from 2008 to 2012 ( DECC, 2010 ) . The Kyoto protocol provides flexible mechanisms and regulations that would assist member parties to the pact to cut down emanations cost-effectively without impacting the economic development of all parties. The three flexible market based mechanisms for accomplishing these decreases are Emission Trading Scheme, Clean Development Mechanism and the Joint Implementation Mechanism. In the class of this write up we shall hold expression at the Personal Carbon Trading and Emission Trading strategy in the United Kingdom which is now under the European Union, its possible concern chances and jobs.What is Personal Carbon Trading?Personal Carbon Trading is a proposed cap and trade emanations merchandising strategy by the United Kingdom authorities in which grownup persons are provided with C allowances to cover their emanations. The strategy will let persons purchase up C credits to cover for emanations from the purchase of fuel for their private vehicles, energy use at place ( mainly electricity and gas ) and air power. It will non include emanations embedded in the goods being purchased by the person. The UK domestic sector histories for approximately 42 % of the entire CO2 emanations and this comprises of 30 % infinite warming, 4 % from illuming, 10 % from H2O warming, 29 % from personal travel,12 % from vacation travel and 2 % from other travel ( BERR,2007 ) . This analysis goes to demo that persons are responsible for about half the CO2 emanations in the United Kingdom and in order for the authorities to accomplish its marks of 80 % decrease in CO2 emanations in 2050, a strategy that will assist in cut downing personal C emanation decrease will be needed. There are assorted policies that have been provided in order aid cut down the C emanation from end-users of energy in the United Kingdom. These includes strategies like the Carbon Reduction Commitment Energy Efficiency Scheme, Smart Metering, rebates that could be received from revenue enhancement when put ining energy efficient systems, value added revenue enhancement decreases in some insularity stuffs aimed at supplying more efficient energy nest eggs in the edifices etc. In every bit much as these policies and inducements have been provided there is really no strategy that has been established to adequately bring on behavioural alterations to individual ‘s ingestion penchants on goods and services with C emanation In order for the authorities to run into the 2050 mark much accent has to be paid on cut downing the domestic sector marks alongside the concern and industry as about half the entire emanations are made by the domestic sectors. The Personal Carbon trading is taught to be a sort of strategy that could convey about the behavioural alterations on the graduated table required to efficaciously cut down the C emanations. The Environmental Change establishment made a proposition that the Personal Carbon Trading Scheme could take to the coveted trading strategy by binding together three basic mechanisms that could take to behavioural alteration in human existences. The figure 1 below shows the interplay between these three mechanisms to cut down energy demand. Figure 1: Beginning ECI, 2010. A strategy that can easy interplay with these three mechanisms will obvious ( ly ) offer the chances required for lower energy demand and accordingly, lower C emanation trading. Defra carried out a research in May 2008, to determine how the personal C trading will work out and they looked at the undermentioned facets: societal acceptableness, economic and proficient feasiblenesss, equity and distributional impact, and the strategy ‘s effectivity in the context of the bing policy landscape.It concluded that â€Å" personal C trading has possible to prosecute persons in taking action to battle clime alteration, but is basically in front of its clip and expected costs for execution are high † . Defra besides indicated involvement in the strategy stating that â€Å" the Government remains interested in the construct of personal C trading and, although it will non be go oning its research programme at this phase, it will supervise the wealth of research concentrating on this country and may present personal C trading if the value of C nest eggs and cost deductions alteration † ( Defra 2008 ) .PROPOSED WAYS OF CARRYING OUT COST EFFECTIVE PERSONAL CARBONTrading.TechnologyThe United Kingdom has good established engineerings that could help the running of the personal C trading. Some of the engineerings used in running the assorted shop cards and the ways in which informations are stored and utilised each clip persons make purchases can besides be used in the execution of the personal C trading. A system that could include the personal C histories to some of the selected shop cards particularly those that can cover energy purchases, fuel purchases and the flight travels could be considered as a manner of accomplishing this trade. Besides wishing the sum of C used with the present strategy of the EUETS can assist persons merchandise easy when they have excesss with concerns and persons who needs more through a centralized information base. Social Acceptability: The extract of the personal C trading into our mundane twenty-four hours life can besides been seen in the manner the populace is presented with the cognition of the consequence of clime alteration and demand to set up a behavioural alteration.Most persons have been introduced with one shop card or the other and these cards can transport tonss of information on personal ingestions of some goods and services. If a card is made the C trading card and the information ‘s infused in some of the already existing cards or being issued and made a compulsory demand for personal purchases which includes energy, fuels and flights it could function as a voguish manner of cut downing C emanations. The CSE have besides found the success of shop trueness cards peculiarly encouraging: Estimates vary between 65 % and 85 % for the proportion of families which have at least one trueness card. However, the graduated table and rate of take up of trueness cards is likely less relevant to single C trading systems than the findings that: ( a ) people seem absolutely prepared to purchase things utilizing more than one card per dealing, and ; ( B ) these companies have established tremendous databases which firmly store personal informations and huge sums of dealing informations ( Roberts and Thumim, 2006 ) . These estimations goes to demo that the trueness shop cards has gained societal credence by the populace and if the personal C trading strategy is linked to it there will be no much hurdle in deriving single or public credence. The CSE besides calculated that the Tesco Club card database collects some 50 billion pieces of informations per twelvemonth. Based on the Tyndall Centres ‘s appraisals of dealing figures, the CSE calculated that a personal C trading database would hold to treat 15A billion pieces of informations per twelvemonth.Benefits of Personal Carbon Trading.One of the most of import of the countries of chance for the UK economic growing is the low C sector. The universe is doing a passage from a high to low C hereafter as assorted States attempts in the battle to undertake clime alteration leads to a alteration in economic system. The planetary markets for low C goods is deserving three million lbs and it is projected to turn to 4.3 trillion by 2015 ( Innovas, 2009 ) . If the personal C trading is made a policy there will be tonss of benefits for persons and the environment at big. Some of the benefits are highlighted as follows: There will be a behavioral alteration in the manner energy is being used and the less energy use there is the less carbon emanations to the environment. Implementing the personal C trading strategy will take to farther development in low C engineerings as more development in countries of less C use by persons will increase penchants for low C energy, flights etc. In the instance where the personal C trading is being incorporated into the whole economic system so there could be potencies of trading C allowances between persons and concerns. This will besides assist in farther decreases in C emanations as more net incomes persons have for practising effectual ways of cut downing their C pes print the more they will make to derive more. Execution of the personal C trading will be more favourable in footings of decrease in C emanations than C revenue enhancements. Because the C revenue enhancements on assorted goods and flight under the strategy can be viewed by persons as a mere addition in monetary value but the C trading can be seen as an avenue of honoring people actively cut downing their C use.Emission Trading SCHEME IN THE UNITED KINGDOMEmission Trading is a market mechanism designed for the decrease of pollution by the proviso of economic inducements for organic structures that have achieved quantifiable decrease of gaseous pollutants. In the United Kingdom, the emanations trading strategy ran as a voluntary trading strategy between 2002 and 2006 prior the mandatory European Union Emission Trading Scheme ( EU ETS ) . This nevertheless made it the first State in the universe to affect assorted companies and organic structures in the C trade. Though Denmark ran a nursery strategy but it merely included 8 electricity companies. Now the European Emission Trading Scheme is the largest emanation trading strategy in the universe holding the engagement of 27 European states. It aims at cut downing the green house gas emanations by 20 % below the 1990 degrees by 2020. The strategy places a cap on the sum of C dioxide emitted by concerns and creates a market and a monetary value for C allowances. It covers about 45 % of the emanations in the European Union and about 12,000 industrial installings ( Carbon Trust, 2010 ) These allowances can be obtained for free but power bring forthing companies will hold to pay for these allowances by 2013. Large emitters of CO2 are expected to supervise and describe their CO2 emanations and return the tantamount allowances of emanations to the authorities yearly. In a command to avoid any abnormalities that might happen during the class of a twelvemonth for illustration in utmost winter or summer periods, works operators subject to the EU ETS is given a period of several old ages at one time. These Numberss of old ages are referred to as a trading period. The strategy is divided in three stages. The first stage started in 2005 and expired in 2007.This was more or less a trial stage for the strategy execution. The 2nd stage is presently traveling on and it began in 2008 and will run till 2012. In this stage member provinces are expected to put a â€Å" cap † on emanations. These caps are converted to allowances known as EUA ( European Union Allowance ) . Each EUA is tantamount to one metric ton of CO2. Member provinces are expected to administer these allowances to assorted relevant installings involved in the strategy in their several states harmonizing to their National Allocation plans ( NAP ) . 10 % of the allowances will be auctioned alternatively of being free and higher per centums will be allotted in the United Kingdom and Germany. All installings will be expected to supervise and verify all C emanations and at the terminal of each twelvemonth must give up allowances to cover up for assorted emanations and can purchase emanations to cover up for extra emanations within the twelvemonth. The Joint Implementation mechanism and the Clean Development mechanism can be used within this stage to farther heighten the strategy. The Phase 3 will get down be 2013 and run boulder clay 2020. The execution will so be at the EU Level instead than single states. It is expected that there will be a diminution on the â€Å" cap † at least by 1.74 % which will interpret to less emanations of approximately 21 % less the Greenhouse gas emanations of 2005. The strategy will besides cover more organic structures and companies like the air power sectors and some metal bring forthing companies. For some it will include other nursery gases and CO2 emanations. The allowances will be greatly auctioned instead than given freely and the usage of the Clean Development Mechanism will be tightly restricted.Benefits of the Emission Trading SchemeThe Emission Trading Scheme offers a flexible manner of cut downing emanations. The procedures involved are non bureaucratic as one has the option of slaking emanations by securing energy efficiency tools and using other assorted procedures of cut downing emanations or purchasing up allowances in order to cover the emanations released unto the environment.The Emission Trading Scheme offers a transparent market and liquid market that has a decreased consequence of use from the authorities. There is a correlativity between energy monetary values and C monetary values. During the Phase 1 of the EU ETS ( 2005-2007 ) , the supply for C allowances was fixed and determined by the National Allocation Plan of each state of the European Union. The monetary value of C was traded for approximately 7 euros in the half of 2005, it rose and steadily peaked at 29 euros per metric ton in July and so fell to 20 euros per metric ton a month subsequently. The monetary value of C besides rose to 30 euros per metric ton in April 2006 and so fell to 10euros by the terminal of the month. Some of the energy companies was affected as this led to a decrease in net incomes they got by grandfathering the C allowances. For illustration the British Energy lost approximately 5 % of its stock Market value during the three yearss of this downward tendency of C monetary values. ( Gulli,2008 ) In kernel and efficaciously run EU ETS Scheme can take to downward tendency of electricity and gas monetary values as fewer emanations from the power Stationss will intend less allowances to be provided to cover emanations produced.DecisionThe Kyoto pact has provided three chief mechanisms to assist cut down the rate of C emanations to the environment. One of the mechanisms that have been demoing a possible decrease in C emanation is the emanation trading strategy. The European Union proposed a decrease in nursery gases by 21 % in 2020 below the 2005 degrees. In 2009, the CO2 emanations was reduced by 11 % ( Good,2010 ) . In every bit much as the planetary economic downswing played a important function it is believed that the strategy can actively cut down the C emanations from about 10,000 power installings soon under the strategy. Since the strategy works chiefly by high C dioxide emitters purchasing higher C credits for the sum they emit. For the United Kingdom which is under the European Union to efficaciously run into their 12.5 % C decrease mark by 2020 it is imperative that the sector that emits about half the emanations should be decently catered for in footings of making and strategy or policy that will help decrease in emanations. The domestic sector has been noted to account for approximately 40 % of the emanations in the United Kingdom and suggestions are that a strategy such as the personal C trading strategy would help a behavioural alteration in person ‘s high C emanations ensuing from energy ( electricity and gas ) ingestions, flight travels, and personal fuel ingestion can assist in cut downing and accomplishing the C emanations mark. There are benefits of the personal C trading strategy and the emanations trading strategy both to persons and the environment at big. With effectual running of this strategy power monetary values can be affected and besides the clime alteration effects can be curbed.

Adult Learning Assumptions

Adult Learning Assumptions Six Key Assumptions Provided by Knowles Knowles’s work is narrowed to the analysis of theories of adult learning. His concept of andragogy is the most well-known theory of adult development. Hence, the scope of Knowles (2005) model is based on the six basic assumptions concerning adults and their attitude to learning:Advertising We will write a custom research paper sample on Adult Learning Assumptions specifically for you for only $16.05 $11/page Learn More Adults are more self-directed rather than dependent; The main resource for learning is constant accumulation of experience; Their desire to acquire knowledge and to learn is predetermined by their social roles; Adult are considered to be more subject-oriented rather problem-oriented in the course of learning; They believe that internal motivations are less powerful as compared with the external ones; Finally, it is important for adult learners to know why it is crucial to learn something (Knowles et al., 2005). All these assumptions are considered to be critical for designing effective educational models for adult learners. Analysis of the Assumptions with Regard to Other Critical Evaluations The above-presented assumptions have been reviewed and evaluated by other scholars engaged into the study of adult learning, including various theories and models. Merriam et al. (2007) agree with some assumptions provided by Knowles. In particular, the researchers single out three main methods for transformational learning: development, experience and critical reflection. They also consider experience as an important factor for creating a great opportunity for adult learners. MacKeracher (2004) also assumers that â€Å"Knowles clearly succeeded in encouraging adult educators to be more critically reflective about their assumptions about adult learners and adult learning† (p. 24). Despite the fact that some assumptions are quite logical and consistent, Merriam et al. (2007) con tend that Knowles succeeded only in introducing a teaching theory rather than the model for adult learning. In particular, they state that there is an ambiguity in Knowles’s assumptions concerning the theory orientation. In particular, they believe that it is hard to define whether this theory is designed for teaching or learning, for adults or for children. Knowles’s Two Assumptions That Almost Wrong Much critics and discontent is connected with his assumptions about adults orientation on subjects and their readiness to move from dependence to self-directed approaches to learning. Therefore, the first and the fourth assumptions are considered to be wrong and this can also be proven by other scholarly researches in this field.Advertising Looking for research paper on education? Let's see if we can help you! Get your first paper with 15% OFF Learn More Hence, as it has been mentioned before, MacKeracher (2004) presupposes that these assumptions a re quite controversial. In particular he believes that â€Å"[t]he change from ‘self-directed’ to ‘increasing self-directness’ and from ‘problem centered’ to ‘performance-centered’ did not satisfy those who saw the Knowles’ distinction between child and adult learning as being based on assumptions that would not hold up under close scrutiny’† (pp. 23-24). Second, the falsity of assumption also lies in some psychological characteristic of a person. Hence, some adults are not self-directed because they need some support and guidance in learning, whereas there are children who are internally directed and independent in learning (Comings, Garner, and Smith, p. 203). Knowles’ Two Assumptions That are Almost Right With regard to the studies and theories examined by scholars (Merriam et al. 2007, MacKeracher, 2004, Comings et al. 2004), the second and the third assumptions are considered to be quite consistent and appropriate for andragogical learning conceptions. All of them agree with the assumption that experience is reservoir of knowledge and the main underpinning of a learning process. Merriam et al. (2007) believe that a person’s accumulated experience provide relevant and effective opportunities and is closely connected with the learning process. The researchers also believe that experience is a significant aspect affecting adult learners’ ability to obtain, accumulate, and transfer knowledge. According to MacKeracher (2004), â€Å"Adults accumulate experience and prior learning over their lifetime, the older they grow, the more past experience and prior learning they bring to bear on current learning† (p. 33). Interpreting this, the researcher completely agrees with the fact that experience is the main underpinning for learners’ development. More importantly, experience is the source for creating and developing strategies and skills for reflecting and o rganizing reaction and interaction in the present. Coming et al. (2004) support Knowles’s third assumption about the influence of social context on the learning process. The scholars insist on the fact that contextual environment play a decisive role in adults development and knowledge accumulation (Coming et al, 2004, 209).Advertising We will write a custom research paper sample on Adult Learning Assumptions specifically for you for only $16.05 $11/page Learn More Indeed, context based learning can tale place in the working environment where adults are interacting, becoming the parts of community. Therefore, the result of adults’ learning development largely depends on the social environment they are surrounded by as well as social roles adults perform. Conclusion Knowles’s (2005) assumptions about adult learning have created a plethora of contradictions that have been critically accepted by other scholars. Hence, his assumptions about adults’ self-directed orientation and problem-centered method of learning have not been supported by the other researcher. This is explained by arguments correlated with psychological development of individuals. However, his arguments about experience and social role have been widely accepted by the scholars. In particular, they believe that social environment and experience accumulation are the main pillars for adult learners’ development and knowledge acquisition. Reference List Knowles, M. S., Holton, E. F., and Swanson, R. (2005). The Adult Learner: the definite classic in adult education and human resource development. US: Butterworth-Heinemann. MacKeracher, D. (2004). Making sense of adult learning. US: University of Toronto Press. Merriam, S. B., Caffarella, R. S., Baumgartner, L. M. (2007). Learning in adulthood: A comprehensive guide. San Francisco: Jossey-Bass Coming, J. Garner, B., and Smith C. (2004). Review of Adult Learning and Literacy: Connecting Rese arch, Policy and Practice: A Project of the National Center for the Study of Adult Learning and Literacy. NJ: Routledge.Advertising Looking for research paper on education? Let's see if we can help you! Get your first paper with 15% OFF Learn More

Final assessment Essay Example | Topics and Well Written Essays - 1250 words

Final assessment - Essay Example Due to the rise in cyber attacks and more reliance on eCommerce, the confidence of customers online has been compromised. Quantium reported that Australia’s online sales fell at a diminishing rate, largely caused by ever increasing eCommerce frauds. For example, the growth of Australia’s online sales was 31% in 2010 with fraud rate at 0.6%. However, the online growth rate dropped to 22% in 2012 when fraud rate increased to 0.8% (Demery, 2013). Furthermore, according to CyberSouce (2012) 13th online fraud report, the total online revenue loss due to fraud was estimated at $3.4 billion in 2011. It can be seen that eCommerce fraud has a significant negative impact on online business and this is therefore a cause of concern. Moreover, McAfee as a security vendor, reported that 33% of Australian businesses were involved in a security incident in 2009, which meant a loss of an average $34.000 in revenue and $37.000 for fixing the bug (Timson, 2009). In order to avoid a large proportion of sales being lost due to fraud, Ausmart is in need of a well-developed and secured online network. New Paragraph In many business communities, most of the major transactions are performed online. Online business has become as important and maybe even more important than basic commerce done outside the channel of online arena. Banking transations are done by busy people online as they don’t have the time or the place to go to the banks and perform the transactions by themselves. Credit card purchases, shopping, ordering food, paying bills, performing business transaction, buying books and even paying college fees. People online are now doing all these transactions and therefore eCommerce’s importance has grown and risen significantly in the last 10 years. Owing to this phenomenon, it is imperative for the eCommerce industry to safeguard its business online and to make sure that hackers do not get access to the credit and debit card information of the users. Also, it is crucial that hackers do not block any event and all the transactions carried out online have a safety network, which makes them happen seamlessly. New data collated from about 2 million Australian credit and debit cards reveals the popular suburbs in which e-commerce fraud has been attempted, using internet-connected computers. E-commerce fraud involves a criminal using a stolen credit or debit card to buy goods online. Ecommerce crime is on the rise in Australia and the rest of the world and the hacker community has been very successful at targeting various business enterprises. Ausmart has been trying hard to develop a strong firewalled network and this has taken a significant energy and time from their pursuits. It must be noticed that they have been trying to cope with such threats for a long time and knowing that hackers have been targeting them hwihc has hampered their business negatively, focusing on E-Commerce and making the business as hacker free as they can i s the number one priority right now. Reflections It can be seen from the above paragraphs that eCommerce is significant to the development of business and it is paramount to have a strong cyber security for all the business transactions in order to avid any kind of cyber attacks or malpractices by the hackers which in turn may jeopardize profit margins for the business community.

Character Comparison Term Paper Example | Topics and Well Written Essays - 750 words

Character Comparison - Term Paper Example George Gibbs is the son of the Gibb couple whose father is a doctor and who has one sister, Rebecca. He excels in the field of sports specifically basketball and he dreams of studying at the State Agricultural School. His plan changes when he started a relationship with Emily Webb and married her. Emily Webb is George’s neighbor and later his wife. She is good in school and also a good daughter and sister of Wally. After marrying George, she dies of child birth. The lives that Emily and George lived exemplify normal lives devoid of too much excitement or important events, although in this case this is the perfect manner that the writer can point out the importance of appreciating everyday life. In relation to the main focus of the play, the stage manager is the bearer of the important quotations in the play which connects the audience to the author. Wilder uses methods within the play that can be considered unique but due to the fact that not many author uses the discussion of the play as part of the play itself as what the stage manager and the actors acting as part of the audience are doing, the people who are watching the play are clearly guided toward the main point of the whole plot. Without the said technique, the audience can miss the point of the play. Another method Wilder used is symbols. Throughout the play there are different symbols that can be found. The time capsule represents the importance of history and the past to humanity. Another is the symbolism of monotonous activities in the town through the activities of the milkman and the newspaper boy. Another focus of the play is the journey of George and Emily. Through the course of the plot they develop and grow. There are important quotations presented in the play that described the growth of the two characters and the different personalities in the plot. The first quote expressed â€Å"So†¦This is the way we were: in our growing up and