The Influence of Rationalism on the French Revolution

Ben Jorgensen Professor Wakefield English 5 3 April 2013 The Influence of Rationalism on the French Revolution What was the main thrust behind the French Revolution? Numerous individuals may state it was money related, or political, and keeping in mind that I would concur that these things were a piece of the power that impelled the French Revolution, I would affirm that the ways of thinking of the Enlightenment were the predominant power that impacted late eighteenth century France into upheaval .In his article, â€Å"The French Revolution: Ideas and Ideologies â€Å"Maurice Cranston of History Today expresses that the Enlightenment ways of thinking were vital in the unrests beginning. He composes that: â€Å"The philosophes without a doubt gave the thoughts. † Cranston proceeds to compose that: â€Å"†¦the unfurling of the Revolution, what was thought, information exchanged, and what was supported, was communicated in wording and classes that originated from politica l scholars of the Enlightenment. While a significant number of the Enlightenment ideas added to the upheaval, I would suggest that the way of thinking of logic was fundamental to the French Revolution in view of its dependence on reason, and its restriction to odd notion. Realism in its epistemology is characterized by the Online Oxford Dictionary as: â€Å"A conviction or hypothesis that feelings and activities ought to be founded on reason and information instead of on strict conviction or passionate reaction. The Online Encyclopedia Britannica includes: â€Å"Holding that reality itself has a characteristically sensible structure, the pragmatist declares that a class of certainties exists that the insight can get a handle on straightforwardly. † There are numerous sorts and articulations of logic, yet the most compelling articulations of realism relating to the French Revolution were in morals and transcendentalism. The primary present day realist rationalist was Rene Des cartes (1596-1650).The Stanford Encyclopedia of Philosophy expresses that: â€Å"Descartes is known as the dad of current way of thinking exactly in light of the fact that he started the alleged epistemological turn that is with us still. † Descartes enthusiasm for theory originated from an interest with the topic of whether people could know anything without a doubt. Descartes wanted to make a way of thinking that was as strong as state the ideas of polynomial math, or geometry, a way of thinking dependent on quantifiable explanation and logic.In along these lines, Rene Descartes established the framework for methods of reasoning based on reason rather than strange notion, boss among them: logic. While Rene Descartes characterized the terms and set out the plan for the way of thinking of realism, Baruch Spinoza (1632-1677) and Gottfried Leibniz (1646-1716) finished the group of three for the central savants of logic. Spinoza and Leibniz took the terms and plan of Descartes t heory of logic, and built up their own perspectives on realism, both distributing various books, and diaries on their pragmatist philosophies.Although these early present day scholars of logic didn't legitimately impact the French Revolution, it can't be questioned that their general epistemological way of thinking of logic made another perspective in which man was not appointed by God to manage over other men, however that it was through explanation of the psyche that man decided to be ruler or subject. The French Revolution started between the years 1787 and 1789.It is no big surprise that the transformation happened as of now when the Enlightenment was in its prime, sparkling light onto the social and policy driven issues of the day with new methods of reasoning like logic that tested the old feudalistic and monarchist systems of Europe that were based on nonsensicalness and odd notion. William Doyle, in his book, â€Å"The French Revolution: A Very Short Introduction,† pa sses on that the French Revolution was: â€Å"†¦triggered by King Louis XVI’s endeavor to maintain a strategic distance from chapter 11. (19) However, while the trigger was monetary, the social and political thunderings of the Third bequest is the thing that shook, and toppled the old system under Louis XVI, afterword which came to be known as the ancien system by the French individuals. Creator William Doyle says that: â€Å"In political terms pre-progressive France was a flat out government. The King imparted his forces to no one, and was liable for its activity to no one however God. (21) The ancien system government needed explanation, however was overflowing with too much of celestial laws and rights that the â€Å"creator† had set up so as to safeguard social steadiness. Truth be told, as Doyle brings up in his book, this idea that God had presented a perfect law to be followed was straightforwardly expressed in a report that parliament composed: â€Å"Th is social request isn't just basic to the act of each solid government: it has its birthplace in divine law. (24) The report proceeds to state that: â€Å"The vast and unchanging insight in the arrangement of the universe built up an inconsistent dispersion of solidarity and character, essentially bringing about imbalance in the states of men inside the common order†¦Ã¢â‚¬  (24) This record summarized the ancien systems philosophy: God has put the ruler the church, and nobility over the everyday citizens and that is the manner by which it is, on the grounds that that is the way it has been.The words nonsensical, divine, and odd come up ordinarily while portraying the ancien systems government and society; truth be told, these things were really vital to the upkeep of government and society in France during the ancien system. In reality, you were unable to have this type of government without divine law, nonsensical association, and offbeat convictions. The thunderings of the French Revolution started as paces of education increased.With the ascent in proficiency, the French individuals requested more papers, and books, and as much as the privileged and Church attempted to channel what the open read, the French individuals started to peruse the works of logicians like, Leibniz, Spinoza, Descartes, Voltaire, and Montesquieu. With this expansion in proficiency, and in this manner information, the French individuals turned out to be more engaged with legislative issues than they initially had been. Presently Louis the XVI was examined for his activities, for his misusing of his residents finances.Now the individuals of France generally expected their King to represent his kin in recognition of laws, as an agent of the individuals, rather than a man who had divine prevalence over them. William Doyle composes that: â€Å" in the eighteenth century these desires were strengthened by the far reaching conviction that since nature had herself (as Isaac Newton ha d appeared) worked by perpetual laws and not divine fancy, human undertakings ought to likewise be directed so far as was conceivable as per fixed and customary standards, established in objectivity, in which the extent of mediation was diminished to a base. To have an administration and society â€Å"Rooted in rationality† was what the French progressives so enthusiastically battled to accomplish. In his book Europe in Retrospect, Raymond F. Betts composes that â€Å"It must be recollected that the French Revolution was the primary significant social transformation, of far more noteworthy measurements and of more profound reason than the American Revolution that had gone before it. Betts keeps on clarifying in his book that the philosophy of the French Revolution was one of a kind for its time in what it looked to achieve, and a big motivator for it: â€Å"To clear away the old and start the new was the liberal arrangement; it was predicated upon the supposition that human instinct was basically acceptable, humankind basically sane, and the reason forever the ‘pursuit of natural satisfaction. † The supposition that mankind was balanced was a conviction that the progressives upheld, yet I would likewise say that the French Revolution was based on a conviction that administration, society, and the individual were all fit for flourishing with reason, to a limited extent on the way of thinking of logic. Albeit numerous occasions that occurred during the French Revolution were disputable, and now and again the activities taken by the progressives were unreasonable, the French Revolution began from a position of enlightenment.Indeed, all the more explicitly, from the ways of thinking of the Enlightenment, and keeping in mind that a large number of the methods of reasoning of the Enlightenment added to the beginning of the French Revolution, the way of thinking of realism repudiated such an extensive amount pre-r progressive French society that to buy in to logic around then was an unrest in itself. Steven Kreis of The History Guide. com sums up the possible consequences of the Revolution expressively expressing that: â€Å"Man had entered a phase in mankind's history described by his liberation from odd notion, preference, cold-bloodedness and enthusiasm.Liberty had triumphed over oppression. New organizations were made on the establishments of reason and equity and not authority or visually impaired confidence. The hindrances to opportunity, freedom, balance and fraternity were torn down. Man had been discharged from extraordinary torment and was currently leaving a mark on the world! † Works Cited Cranston, Maurice. â€Å"The French Revolution: Ideas and Ideologies. † History Today. History Today, 1989. Web. 2 Apr. 2013. Doyle, William. The French Revolution: A Very Short Introduction. Oxford: New York, 2001. Print.Kreis, Steven. â€Å"Lecture 11: The Origins of the French Revolution. † Lecture 11: The Origins of the French Revolution. The History Guide. com, 30 Oct. 2006. Web. 02 Apr. 2013. Lennon, Thomas M. , and Shannon Dea. â€Å"Continental Rationalism. † The Stanford Encyclopedia of Philosophy. Fall 2012 ed. N. d. Web. â€Å"Rationalism Definition. † Oxford Dictionaries Online (US). N. p. , n. d. Web. 02 Apr. 2013. â€Å"Rationalism†. Encyclop? dia Britannica. Encyclop? dia Britannica Online. Encyclop? dia Britannica Inc. , 2013. Web. 02 Apr. 2013

Summary of the Sugar Revolution free essay sample

Outline of the Sugar Revolution Sugar-Summary The French and English didn't sit by a let Spain colonize the whole Caribbean. They to settled in a portion of the Caribbean islands which they colonized themselves. They assaulted Spanish states just as Spanish boats, both legitimately and wrongfully. By the mid seventeenth century Spain had now become a debilitated pioneer ace. Sugar The English Sugar endeavor started in Barbados in the mid 1640s. The opposition from Virginia tobacco prompted the Caribbean grower changing their concentration to the creation of sugar. The appeal of sugar by the European nations likewise played a factor The Dutch were exceptionally instrumental in carrying the creation of sugar toward the West Indies. They provided the techniques, just as the work. Somewhere in the range of 1643 and 1660 Barbados was changed into an all out sugar estate economy.  ·Lands which had recently been in little beneficial units were presently bits of bigger ranches. We will compose a custom article test on Synopsis of the Sugar Revolution or on the other hand any comparable theme explicitly for you Don't WasteYour Time Recruit WRITER Just 13.90/page  ·The cost of land soar  ·Small ranchers were constrained bankrupt  ·Large manor proprietors were then ready to control the islands undertakings

How to Increase Your Positivity Ratio

How to Increase Your Positivity Ratio Stress Management Management Techniques Print How to Increase Your Positivity Ratio By Elizabeth Scott, MS twitter Elizabeth Scott, MS, is a wellness coach specializing in stress management and quality of life, and the author of 8 Keys to Stress Management. Learn about our editorial policy Elizabeth Scott, MS Updated on July 21, 2019 How Stress Impacts Your Health Overview Signs of Burnout Stress and Weight Gain Benefits of Exercise Stress Reduction Tips Self-Care Practices Mindful Living Buero Monaco/Getty Images For decades, we’ve known that positive thinking” can combat stress and negativity by helping us focus on what is working, by helping us to maintain a less dire view of what we are facing, and by enabling us to put things in perspective, among other things. Researchers and psychologists have broadened our understanding of how positive thinking can backfire if we are trying to force ourselves to deny feelings that we have, ignore potential dangers in a situation we face, or act in a way that feels false. This has led to a focus on positive thinking with a focus on authenticity, which works well for stress relief. How the  Positivity Ratio Works Another way that positive thinking works are less obvious, but perhaps even more powerful. Researcher Barbara Fredrickson has studied the general effects of positivity and found that there is a point at which our positive moods and mental states can lead us to a place where we are more creative, motivated, and resilient to stress. When we reach this tipping point, our perspective is more broad in general: we see opportunities we may have missed, and we believe we can make them work for us. We also see more beauty in the world and have more appreciation for it. Our ability to manage stress in general increases, so we are less likely to fall into a downward spiral of reactivity. Generally speaking, once we reach a point where we are experiencing positive feelings significantly more often than we are entrenched in negative ones, this self-perpetuating cycle of positivity is set in motion, and positivity and resilience become much more easy to attain and maintain. How Much Positivity Do We Need? More specifically, when our moods are positive three times more than they are negative, or if our positive-to-negative ratio is three-to-one, we reach a tipping point where we experience an “upward spiral” of positivity and everything appears to fall into place for our moods and performance. By focusing on creating a 3:1 ratio for yourself, you can build positive experiences into your life.  These are rewarding in themselves, but they can provide so much more for you as well. By creating ones  that make you feel optimistic, grateful, appreciated, inspired, awe-struck, and just plain happy, you can build your ability to enjoy life in general and seek out even more of these positive experiences. What Raises the Ratio If you are knowledgeable in math, you probably already realize that there are two main ways that you can raise your positivity ratio: you can minimize your negative experiences (decrease your denominator) and you can increase your positive ones (increase your numerator). When we talk about negative and positive experiences, this means those that create these feelings within you. Many experiences can be felt as either negative or positive depending on a multitude of personal factors. This means that sometimes it is possible to shift a “negative” experience to being felt as a “positive” one if you know how. A Caveat About Positive Thinking Shifting your perspective to more positive thinking can be a powerful approach to increasing your positivity, and it can work in several ways. Finding the positive in a situation, attaching personal meaning, and reframing a threat as a challenge are all strategies that have been proven effective.  However, as mentioned earlier, it is important to know that denying your legitimate negative feelings or trying to convince yourself that something is positive when you truly arent feeling it can backfire and can paradoxically make you feel more stressed than less. One reason this occurs is that you may feel that you should experience things in a more positive way and the fact that you arent is a failure on your part. Another reason that attempting to force yourself to feel positivity when you strongly feel negativity is that it can feel inauthentic; our emotions are often there for important reasons, so ignoring your intuition or emotions when it is important and your feelings are trying to tell you something can create psychological dissonance. Sometimes addressing the issue that is causing stress is a more effective approach. When working on feeling positivity, it is important to focus on positive aspects of a situation that you truly feel are positive, rather than attempting to convince yourself that you really feel differently about something that has you feeling rightly upset. This is a fine line to walk. How to  Use This Information in Your Life Many people have found that the “positivity ratio” approach to stress management feels very empowering. This is because it provides us with a sense of control, and when we feel in control of our situation, we feel less stressed. We can’t always control our circumstances, but we can control how we respond to them. When we feel that we have options and resources, we can respond from a place of strength and inner peace. We have much more control over adding pleasant experiences in our lives than we often have over preventing stressful ones. With that in mind, here are some simple ways to raise your positivity ratios. Make a plan.  When you’re feeling stressed or slightly depressed, you may not be starting off the day feeling excited about what’s ahead like you might if you were feeling better about things. In fact, you may be seeing things in a more negative light and making decisions that create more of the sameâ€"something that is known as a downward spiral of negativity.  It is often possible to turn things around with a simple plan. The act of creating a plan can empower you to feel more control over your circumstances and relax into your day with more positive expectations. The plan itself can involve minimizing stressors (lowering your numerator) or increasing the amount of time you spend feeling positive feelings. By planning ahead, you can consider canceling plans that can create more stress, or add positive experiences to your day. Maintain a gratitude journal.  One way to raise your ratios is to maximize the positive experiences you already have in your life.  You can expand the positive feelings you experience by savoring them. You can also increase your focus on what makes you happy by journaling about the things for which you are grateful. When you regularly start or end the day by writing about three things you appreciate that day, you develop a habit of focusing on things that bring joy and lift your mood. You also make gratitude more of an automatic experience. An added bonus of having a gratitude journal is that you are left with a written record of the many things you have to appreciate in life. Studies show that gratitude journaling can bring lasting benefits to your mood and personal resilience. Monitor your mood.  When you become stressed repeatedly and your ratios start to shift, you may not notice a downturn in the mood until you are feeling significant effects of a lower-than-three-to-one ratio.  This may seem to go without saying, but paying attention to your mood is important for your long-term happiness and resilience. If you notice that you’ve felt stressed for a few days and you are starting to experience the tell-tale signs of a lower ratio, you can begin turning things around for yourself right away. This can keep things from moving in the wrong direction before raising your ratio becomes difficult. Treat yourself.  Researchers in positive psychology have identified certain activities or experiences that are physically or emotionally pleasing as “pleasures.”  They provide an immediate lift to your mood, and require little effort, like eating a cookie, enjoying a bath, or savoring a good song. Pleasures can be effective in lifting your positivity ratio, and they’re easy to add to your life. It’s important to know that pleasures usually provide a slightly decreasing level of positive experience if you use them a lot, so varying them is optimalâ€"don’t use the same pleasures every day unless they do truly still bring you the same bit of joy. Changing up your pleasuresâ€"keeping them in rotationâ€"is the best way to go, and still a simple and effective way to make the most of your day. Have some habits:  While positive thinking is difficult to maintain day in and day out, habits that bring an emotional lift are simpler to stick with. This is because it’s often easier to change our behaviors than our thoughts. By adding some habits into your day that will create an emotional lift, such as a morning workout, a daily nature walk, or a call to a good friend during your commute home, you can add positive experiences to your day and greater levels of positivity to your habitual way of thinking. The habit of positive thinking can follow from there. Find some surprises.  We can grow used to even the most positive experiences  and take them for granted without realizing it.  For this reason, it helps to have some variety in your day. In the morning while youre planning your day, try to add something new that youll enjoy, something that isnt part of your routine.  Having a fresh experience will maximize the joy you find in it. Use proven standbys.  It also helps to be aware of what truly brings you comfort and contentment, and work these things into your regular routine. If you enjoy walking the same route when you exercise, watching the same comedies at night, or eating the same favorite meals, be sure to work what you love into your daily life as much as possible. You can make the 3-to-1 ratio a regular aspect of your life.

Tape Recorder Was Invented For Recording Sound By Fritz...

INTRODUCTION: Tape recorder was invented for recording sound by Fritz Pfleumer in 1928 based on the invention of magnetic wire recording by valdemar poulsen in 1898.The first tape recorder from AGE was the magnetophon K1, demonstrated in Germany in 1935.Eduard schuller of AGE built the recorders and developed a ring shaped recording and playback head. â€Å"A tape recorder is a portable electronic gadget used to record, reproduce, erase and rerecord sound on a magnetic tape. This devise can be used without any problem anybody by operating the press buttons attached to the recorder, viz. stop, play, wind, rewind, record, pause and reject†. GUIDELINES FOR USING A TAPE RECORDER IN TEACHING ï‚ ¢ Functions of tape and recorded cassette must be ensured before its use. ï‚ ¢ The teacher should be prepare, customize, and practice the recorded lesson before using in the classroom. ï‚ ¢ The teacher can use prerecorded programmed in tape recorder. ï‚ ¢ The teacher must store all the cassette so that they can be used later. All can use the prestigious person’s talks for their purpose and this can be possible only because of tape recorder. The store data of computer and measurement can be done in the instruments of scientific research and medical research. To preserve and reproduce the various forms of information tape recorder can be helpful. The tape recorder records and reproduces sound by keeping electrical signals as magnetic patterns on a plastic tape coated withShow MoreRelatedApplications Of Magnetic Storage Data1753 Words   |  8 PagesAfter the invention of the paper making technology, people started to write information on papers. It was much easier and better than before, but the papers were fragile they couldn’t stay fresh for very long time, also thousands of years ago only royal families and noble families had the chance to use well-made papers, so papers were also not reliable. In the twenty-f irst centuries, people have invented a lot of different appliances to storage knowledge and data, magnetic storage is one of the most popular

Water Aerobics for Older Adults - 2415 Words

Group Proposal (1) The Group and type: (i) Water Aerobics for Older Adults: Water aerobics is an ideal exercise for elderly adults having limited physical mobility or adults for whom the rigours of traditional cardiovascular exercise causes muscle and joint pain. These adults can safely rely on water aerobics for maintaining an active lifestyle and physical fitness regardless of their age. (ii) The need for water aerobics among older adults: (i) Even though some level of resistance is given while exercising in the water, muscle and joint injuries are prevented when in water, as the medium is able to support most of the persons weight thereby lowering impact. (ii) Older adults get quicker results, building muscle tone and strength in water compared to that of land due to resistance provided by water. (iii) Water aerobics enhances cardiovascular health as the heart beat rate is maintained at a lower count which is just needed at that age. (iv) Land based exercises expose elders to unnecessary heat as well as other complications which is absent in water aerobics. While doing water aerobics, they are able to remain in a cool and controlled environment particularly in an indoor pool. (Carebuzz, 2009) (iii) Recruitment method employed for water aerobics: This will be primarily done by our Pool Club i.e. WaterWorld through advertisement communicating the need for older adults and the benefits in the form of building better muscle tone and improving overall health withoutShow MoreRelatedGeneral Health Of The Elderly Population Essay1451 Words   |  6 PagesOctober 28, 2016 Chapter 9 Summary Physical Activity In reading chapter 9 we live in an aging society. Not only is 1 in every 8 Americans older than 65 years, but a person aged 65 can expect to live an average of 18 more years . 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I met her a few years ago when we took a vacation in Florida, and thought she would be a great person to interview, because she is outgoing and has aged well. I conducted a telephone interview for this assignment, because she is currently in Florida for the remainder of the Spring season. The interviewee was born in Portland, Maine in 1942, and is seventy-five years old. She had four older brothers, one olderRead MorePhysical Activity And Brain Plasticity1299 Words   |  6 Pagesadulthood† by Kirk I. Erickson, PhD, Ariel G. Gildengers, MD and Meryl A Butters, PhD provides insight to research on the effects of physical activity on the human brain in late adulthood. The article provides and overview of cognitive functioning in older adults. The purpose of the research in the article is to demonstrate how physical activity and other risk factors such as education, obesity, smoking, hypertension, diabetes, and depression can contribute to the cognitive impairment of the brain thus

Science fair project sun light vs artificial sun light Free Essays

Sun light vs articical light One of the main benefits of artificial light is that you can control how many hours of light per day your plants receive. This way, those living in northern or southern latitudes can provide their plants with light for growth and development even when the sun sets early, in essence tricking the plants into believing that it is summertime and that they should continue to grow rather than become dormant or, in the case of annuals, die. In addition, your plants will receive constant direct light for as long as you leave the lights turned on. We will write a custom essay sample on Science fair project: sun light vs artificial sun light or any similar topic only for you Order Now Read more: http://www. ehow. om/about_6720270_sunlight-artificial-light-plant- growth. html#ixzz2isDOMJQa Incandescent Light Although affordable, incandescent lights provide little of the blue-spectrum light essential to plant growth. They are less efficient than other artificial lights as they produce less illumination while utilizing more energy. To draw the most benefit from an incandescent light, you would have to place it close to your plants, and because incandescent lights produce more heat than other types of bulbs, this would likely result in burning your plants. Incandescent bulbs also have very short lives. High- Intensity Discharge Light High-intensity discharge lights produce far more illumination while using much less electricity than incandescent bulbs. In addition, while they produce a considerable amount of heat, you can hang them twice as far away from your plants as you would an incandescent bulb, so burning of the plants is less likely. High-pressure sodium lamps emit much red-spectrum light and little in the blue spectrum, making them ideal for greenhouse flowers to supplement natural sunlight and encourage blooming. Metal halide bulbs emit more blue-spectrum light, making them perfect or indoor growing operations for plants that will not flower, such as decorative plants and herbs. HPS bulbs last 12 times longer than incandescent bulbs, and MH bulbs can last five times as long. Fluorescent Light Fluorescent lights produce less luminosity than high-intensity discharge lights, though far more than do incandescent bulbs. Fluorescents also produce very little heat and can hang very close to your plants. Bulbs rated in the higher Kelvin temperature range (5,000 to 6,500) emit more blue-spectrum light and those in the lower range (2,700 to 3,000) emit more red-spectrum light, although both also provide ull-spectrum light in lower intensities. Compact fluorescent lights will last five times as long as incandescent bulbs, and the straight T-5 full-spectrum fluorescents will last 10 times as long. Read more. nttp://www . enow. com/aoou growth. html#ixzz2isEHgmnp In general, sunlight is better for plant growth as it is intense and contains the full spectrum of electromagnetic radiation required for optimal plant growth. Artificial light, if it is an ordinary room light, will only support low-light tolerant plants. Most artificial light sources (fluorescent and incandescent) do not provide the full isible light spectrum that is required by plants for optimal growth, this results in plants that are tall and spindly (etiolated) and sometimes discolored. However, there are special lights with a spectrum that is tailored for growing plants. They have to be on for longer hours than sunlight, but as long as a plant is getting enough light-energy to manufacture its food, it will grow well. It doesn’t matter whether that light is coming from the sun or from grow lights. The downside to extended exposure to light is the plants metabolic functions operate twice as hard for the same amount of output. Recent studies have also highlighted ome of the negative aspects of extended photosynthetic periods (extended light reactive period and shortened dark reaction period). There are times when artificial light has an advantage. Hydroponic gardening with artificial light makes it possible to grow plants in unreliable climates that are lacking in sunshine – think of the long â€Å"night† periods of areas of the northern hemisphere. In some places in Canada forage for animals is produced indoors during the winter months in artificial conditions. Supplemental lighting is used in horticulture to produce plants in flower outside of their normal flowering period. For instance Christmas cactus, poinsettias, tulips, narcissus, chrysanthemums, etc. Many houseplants grow better under artificial lamps, not because of the lights, but because it keeps them away from drafty windowsills! Plants will grow better under sunlight; artificial light lacks the complete spectrum of light provided by the sun. But a photon is a photon – and light is light – wnetner It comes Trom tne sun or a Tlasnllgnt vastly more energy comes Trom tne sun than from any artificial light. But the light from the sun is different from a street lamp another way: most artificial light doesn’t emit as much energy in the red and blue region of the light spectrum as sunlight does. In other words, different ratios of reds, yellows and blues all combine together to make up white sunlight. Researchers can successfully grow plants using only artificial light in growth chambers. But sunlight is best for most plants. It’s generally more intense than artificial light, and it’s pretty equally distributed among the different wavelengths that earthly plants have evolved to like best. And there’s another difference between lamps – even â€Å"grow lamps† – and sunlight. Grow lamps need energy to light up. Sunlight is unlimited and free. http://earthsky. org/human-world/artificial-light-plant-growth How to cite Science fair project: sun light vs artificial sun light, Papers

Origin Of Man Essays - Lemurs, Creatures, Dryopithecus, Creatures

Origin of Man Origin of Man "Of animal ancestry, man moved ahead as a steward of other creations in taming the environment as they struggle to survive." There are many theories about the origin of life on earth. Many opposing theories and questions have been raised. For example, the Biblical Theory states that a supernatural being created the u- niverse, hence giving life to what was non-existent. The Scientific Theory on the other hand suggests that life was triggered by some force or elements that later led to our existence. The idea carried though by both theories suggests that something was created out of nothing. Why? How? By who? It is still a mystery. Either way, life in the form of simple organisms progressed into the highly complex society that we live in today. This trans- formation is explained by the theory of the evolution, where changes in an organism are due to the changes in the conditions of their environment. With the rigorous changes of the environment's condi- tions, living creatures especially animals had to adapt their physical and biological make-up to these changes to meet their needs. The story of man's evolution is one of increasing differentiation from the other groups of animals to which he is related. It is believed that over 60 million years, descendants of the early primates gradually evolved to produce modern man. Tree-living creatures, more like rats than men, were followed by the ancestors of today's lemurs and monkeys, and by a primate called Dryopithecus, believed to be the common ancestor of both apes and man. A breakthrough in man's evolution came when creatures became adapted to standing and walking in an upright position, freeing their hands for other uses. This led to the creation of tools to aid them in their activities such as hunting and food gathering. Later they started building, innovating and improving the conditions of their living. Man's unique intelligence, imagination, skills and knowledge spring from a brain that has evolved far beyond the instinctive res- ponses of other animals. Alone among animals, man seeks a meaning in life, and can express his aspirations symbolically. It was this brain that enabled our ancestors to survive in a hostile prehistoric envi- ronment, then later to create the world's great civilisations. And it was also this brain that produced the complex web of family ties, re- ligious and scientific beliefs and systems of government which now form the fabric of his now modern society.

Learn to Play the Earnings Game Essay Example

Learn to Play the Earnings Game Essay Example Learn to Play the Earnings Game Essay Learn to Play the Earnings Game Essay Learn to Play the Earnings Game (and Wall Street Will Love You) The pressure to report smooth, ever higher earnings has never been fiercer. You dont want to miss the consensus estimate by a pennyand you dont have to. By Justin Fox In January, for the 41st time in the 42 quarters since it went public, Microsoft reported earnings that met or beat Wall Street estimates The 36 brokerage analysts who make the estimates were, as a group, quite happy about this the 57 cents per share announced by the software giant was above their consensus of 51 cents, but not so far above as to make them look stupid.Investors were happy too, bidding the already high-priced shares of the company up 4% the first trading day after the announcement. In short, for yet another quarter, Microsoft had kept its comfortable spot in the innermost sphere of corporate paradise. This is what chief executives and chief financial officers dream of: quarter after quarter after blessed quarter of not disappointing Wall Street.Sure, they dream about other things too mega-mergers, blockbuster new products, global domination. But the simplest, most visible, most merciless measure of corporate success in the 1990s has become this one: did you make your earnings last quarter? This is new. Executives of public companies have always strived to live up to investors expectations, and keeping earnings rising smoothly and predictably has long been seen as the surest way to do that.But its only in the past decade, with the rise to prominence of the consensus earnings estimates compiled first in the early 1970s by I/B/E/S (it stands for Institutional Brokers Estimate System) and now also by competitors Zacks, First Call and Nelsons, that those expectatio ns have become so explicit. Possibly as a result, companies are doing a better job of hitting their targets: for an unprecedented 16 consecutive quarters, more SP 500 companies have beat the consensus earnings estimates than missed them.Microsofts prodigious record of beating expectations is due in large part to the companys prodigious growth, from annual revenues of $198 million at the time of its IPO in 1986 to more than $9 billion now. It also helps that it dominates its industry. But even the Microsofts of the business world have a few tricks up their sleeve. The most obvious is to manage earnings. Managing earnings has a pejorative, slightly sleazy ring to it, but even at the most respected of companies accounting and business decisions are regularly made with smoothing or temporarily boosting earnings in mind.Not all are as up front about it as General Electric, where executives say openly that they dont think their company would be as popular with investors if its profits wer ent so consistent and predictable. But neither can it be a complete coincidence that of the top ten companies on Fortunes 1997 Most Admired list, sevenCoca-Cola, Merck, Microsoft, Johnson Johnson, Intel, Pfizer, and Procter and Gamblehave missed fewer than five quarters in the past five years, according to I/B/E/S (and two of the other three dont have any earnings estimates to meet.Meeting the estimates is made easier by the fact that theyre not set in a vacuum-analysts rely heavily on guidance from companies to form their forecasts, and companies have in recent years figured out that it pays to guide the analysts to a lower rather than a higher number. At least partly as a result of this expectational interplay, the price of missing a quarter has risen sharply, particularly among high priced growth stocks.In the growth stock fraternity, missing by a penny now implies the height of corporate boneheadedness that is, if you couldnt find that extra penny to keep Wall Street happy, th en your company must really be in trouble, and since missing by a 1 penny is already going to send your stock plummeting, youre better off missing by a dime or two and saving those earnings for the next quarter. Microsoft missed by a penny once back in 1988, when such behavior was not yet considered unbearable gauche.Nowadays its executives treat analysts to a constant patter of cautionary and even downbeat words about the future that the analysts say is a combination of genuine paranoia and astute expectations management. After a typically grim presentation by CEO Bill Gates and sales chief Steve Ballmer at an analysts meeting two years ago, Goldman Sacks analyst Rick Sherlund ran into the pair outside and said, Congratulations. You guys scared the hell out of people. Their response? They gave each other a high-five, Sherlund recalls.But Microsoft, unlike some companies less attuned to the rules of this game, also lets analysts know when theyre too pessimistic. Thats what CFO Mik e brown did, along with the usual warnings about slower growth ahead, during his regular quarterly conference call after the January 17 earnings release. He told the hundreds of analysts, money managers, and journalists listening in that earnings would be more than a nickel, less than a dime higher than predicted for the current quarter, and another penny higher in the next.How did he know this? That involves something that looks a lot like earnings managementalthough not of the sort that provokes penalties from the Securities and Exchange Commission or nasty newspaper articles about inflated profits. Starting around the unveiling of Windows 95 in August 1995, Microsoft has followed a uniquely conservative How the pros do it: method of accounting for the Plan ahead: Time store openings or asset sales to keep software it shipsdeferring earnings rising smoothly.In most cases, this is earnings recognition of large chunks of management at its least controversial. The master of this is r evenue from a product until long General Electric. after the product is sold. The Call it a sale: Madly ship products during the final days of a reasoning is that when weak quarter, or hold off if the quarters in the bag. Theres somebody buys software in leeway in revenue recognition too! Tech companies often 1996, theyre also buying the book sales aggressively to boost profits, but Microsoft is right to upgrades and customer support in 1997 and 1998.If it now demonstrating the virtues of belated recognition. hadnt been for the new Capitalize it: Usually its pretty clear what costs you accounting technique, the capitalize and which you expense. But there are gray areascompany would have had to -software RD is oneand you can get creative about the report a sharp rise in profits in length of time an asset should be depreciated. America the latter half of 1995, then a Online was, until it stopped in October, a noted aggressive sharp drop in the first half of capitalizer. 996 a turn of events that might Write it off: Take a big bath and charge a few hundred have sent its stock price reeling million in restructuring costs, and meeting future earnings instead of the smoothly rising targets will be easier. earnings that it did post. By the end of 1996, Microsoft had taken Use your reserves: Build them up for product returns, bad in $1. 1 billion in unearned loans, and insurance losses; drain them down to bolster revenue that it had yet to earnings when business sags. Outsiders say this is one of recognize on its income the secrets of GEs success, but the company says thats statements. Because of this, just not true. they know what theyve got in the bag from one quarter to the next, says Marshall Senk, a Robertson Stephens analyst who follows the company. Which led him to conclude that Microsoft does a better job of leveraging accounting I would almost say its a competitive weapon than anybody else in the industry. Microsoft treasurer Greg Maffei doesnt like this interpretation. Im a financial officer of this company, and I would be in deep doo-doo with the SEC if that was what was driving our revenue recognition policies, he says. Our revenue recognition policies are driven by GAAP. That isnt quite true. In fact, GAAP-the Generally Accepted Accounting Principles companies follow in preparing financial statementsmay in this area be driven by Microsoft, Virtually no other software company does its accounting the way Microsoft does, but standards setters, egged on by the industry leader, are starting to push in that direction. Thats how GAAP works. Its constantly changing and evolving, particularly in businesses that havent been around for long. This is only natural, but it can be maddening for people trying to understand what a companys reported earnings really mean. With industries that havent been in the market before, you tend to see a lot of monkey business because accountants, even if well intentioned dont know what the standards are, sa ys Martin Fridson, high-yield debt strategist at Merrill Lynch and a financial statement analysis guru. Underwriters of small companies and people who make a living doing IPOs are very conscious of the markets inability to see what the correct measures are. Add that confusion to the general cacophony of accounting quirks and judgment calls in financial statements, and you begin to realize that earnings are nothing but a vague, approximate measure anyway.One of modern accountings guiding principles is that of matching revenues and expenses over time. Thats why the cost of building a factory that will be churning out cars for 20 years gets expensed over those 20 years, not when the money is actually spent. But such matching requires making all sorts of guesses and estimates about the future. These judgments how much to set aside for potential loan losses, what rate of return to expect on a pension fund, over how many years to spread out the cost of a factory make earnings a better reflection of the long-term economic health of a company.They also provide ample room for managers to fudge. This is why financial analysts and money managers are supposed to know how to look beyond a companys bottom line to find the true economic value in its balance sheet or cash flow statement or, best of all the footnotes to its financial statements. In the bull market of the past 15 years, however, analytic rigor hasnt always been required to make good stock picks. Nobodys paying attention says Robert Olstein, who in 1970 co-authored an influential newsletter called the Quality of Earnings Report and now runs the $140 million Olstein Financial Alert fund. If Microsoft is the archetype of a hugely successful company trying to tone its earnings down so people dont get their expectations too high, Boston Chicken bespeaks an altogether different and more common phenomenon. It is a business that isnt successful yet, but has used accounting to help convince investors that it already is, or at least will be soon.This has enabled it to raise more than $800 million in stock and convertible debt offerings, money which has been essential not only to the companys rapid growth from 175 Boston Chicken restaurants when it went public in one of the decades hottest IPOs in November 1993 to 1,100 restaurants (rechristened Boston Markets) and 325 Einstein Brothers and Noahs bagel stores today but to its very survival. Thats because, economically speaking, Boston Chicken is still a big money loser, as probably can be expected of a startup restaurant chain.All the losses, however, have been incurred by financed area developers, or FADs, which is Boston Chicken lingo for large-scale franchisees that act a lot like subsidiaries but arent. If they were, their losses would have to lie reported on Boston Chickens income statement (they are instead disclosed, on an annual basis only, deep in the text of the companys SEC filings). The FADs get 75% of their startup capital in loans from Boston Chicken, and with that money they pay the company the royalties, franchise fees, and interest that allow it to report ever-rising profits.Once the restaurants start making money, Boston Chicken exercises its right to convert the loans into equity, officially dubbing the FADs subsidiaries and allowing their profits to flow to its bottom line. Thats the plan, at least, as outlined with somewhat more delicacy in the companys 1993 annual report. And so far it has worked. Sure, business publications have printed nasty articles about the company, accounting professors have warned their students about it, and short sellers have lined up in droves to place bets that its stock price will crash. But Boston Chickens stock price has more than held its own.Part of investors sanguinity has to do with the track record of the two former Blockbuster Entertainment bigwigs who run it, CEO Scott Beck and President Saad Nadhir, and the belief that America really is hungry for takeout chicke n, ham, and meat loaf. But it sure doesnt hurt, analysts and money managers say, that not only is Boston Chicken able to report earnings every quarter, but those earnings have so far never failed to meet or surpass analysts expectationseven though those analysts all know that the earnings in no significant way reflect how the company is doing. Its a very smart strategy, says Michael Moe, a growth stock strategist at Montgomery Securities. It has made enormous amounts of capital available to them at an attractive price that most companies can only dream of. Boston Chicken CFO Mark Stephens says his company was structured not to please Wall Street but to provide flexibility and motivate its franchisees. But he acknowledges that a byproduct of where we are with the structure is that we have a public entity with an earnings complexion that is attractive. He adds: Its like sausage. I love the product; just dont show me how its made. Another company that has used aggressive accounting t o raise money is America Online. AOLs practice of capitalizing and writing off over two years the cost of those ubiquitous free disks and ads it used to lure members was highly controversial and was abandoned in October. But for years it allowed the company to post earnings most of the time instead of losses, which helped it to raise more than $350 million on the stock market.Says Wharton School accounting professor Richard Sloan, referring to both Boston Chicken and AOL: They just view accounting as another marketing tool that they should use to try and promote their ideas. Boston Chicken and America Online are extreme cases. So is Microsoft. The mass of companies lead lives somewhere in between. When they manage earnings, they do it simply to smooth the ups and downs of business life, and of course to meet those Wall Street earnings estimates. Is there evidence of widespread earnings management? You bet. Looking at 17 years of I/B/E/S data on more than 1,000 companies, Jeff Payne of the University ofMississippi and Sean Robb of Canadas Wilfrid Laurier University found an unmistakable pattern of using accruals (i. e. , judgment calls) to manage earnings upward if they were below the analysts consensus and a somewhat less pronounced trend of managing them downward if they were above the consensus. General Electric, a company whose name invariably comes up when you ask Wall Streeters about earnings management, says it does what it does because the stock market demands it. We think consistency of earnings and no surprises is very important for us, says Dennis Dammerman, the companys CFO. Were a very complex, diverse company that no one from the outside looking in can reasonably be expected to understand in complete detail; so our story to the investing world is, we have a lot of diverse businesses, and when you put them all together they produce consistent, reliable earnings growth. And if something inconsistent comes along say a one-time gain from selling off a factory we have a pretty consistent record of saying, Okay, were going to take these large gains and offset them with discretionary decisions, with restructurings. These tactics have helped GE meet or beat expectations every quarter but one in the past five years, and they certainly havent hurt it among investors, even skeptical ones. They are using all sorts of techniques to smooth earnings, says Howard Schilit, whose Center for Financial Research and Analysis keeps institutional investors posted on companies earnings numbers may be hiding business troubles. If I wrote that to my clients, there would be a big yawn. Another investor favorite that produces awfully smooth earnings is Coca-Cola, which in the third quarter of last year took advantage of $520 million in one-time gains from a settlement with the IRS and the sale of some bottling operations to recognize $500 million in supposedly one-time hits. One of those hits, $200 million used to reduce the inventories of soft dri nk concentrate at bottling companies, was explained as a move to free up bottlers capital but was seen as an admission by Coke that it had been shipping concentrate early to artificially boost earnings.That hurt the companys stock price for a few months, but by taking the charge Coke gave itself the option of using inventory buildup at its bottlers to pad profits later. When they pull it out in 1998 or 1999 to keep up their 19% or 20% earnings growth, everyone will have forgotten, says Boy Burry, who follows Coke for Oppenheimer Co. Will everyone really forget? If financial markets are in fact efficient, economic reality will in the long run win out over accounting games.But the long run can seem awfully far away when youve got a posse of analysts breathing down your neck every three months. Many corporate executives also seem to think investors take earnings numbers at face value; they write outraged letters to the Financial Accounting Standards Board, accountings top rule-making body, whenever it proposes a change that might reduce reported earnings. They obviously dont believe in efficient markets, says Neel Foster, a FASB member and former treasurer of Compaq Computer. Academic evidence shows that generally, accounting changes dont result in changes in stock prices. But it also shows that people that make greater disclosures generally have a lower cost of capital. They dont believe that either. Even this doesnt explain why some companies seem to persist in managing earnings in the face of Wall Street disbelief. Food maker H. J. Heinz grew rapidly during the 1980s but has since needed repeated asset sales and other special items to keep earnings steadyand its stock has lagged.Last June the company announced quarterly earnings of 45 cents a share but failed to mention that four of those cents came from the sale of a magazine and two pet food brands. It was immaterial, a company spokesman says now, but it nevertheless infuriated some analysts, who found out only when they received the annual report a month later It didnt help the stock price either, although the stock later bounced back on rumors of a major restructuring. What might motivate such corporate behavior?One answer is money. High-level executives like to get paid a lot, and it so happens that many bonus plans including the one at Heinzare built around meeting earnings targets. The rise of performance related It so happens†¦ that many bonuses has taken earnings tweaking to new heights, say some executive bonus plans are market watchers. Theres no reliable measure of such activity, but built around meeting one rough gauge, comparing profits reported to the Internal earnings targets. Revenue Service by U. S. orporations with profits reported to shareholders (the measure that counts for bonuses) by companies on the SP 500, gives a clue. It shows some wild relative swings in SP earnings in the late 1980s and early 1990s, probably a result of big corporations using one tim e charges to pay for restructuring costs like plant closures. This write-off binge ended in 1994. Which could mean either that earnings quality is getting better or that companies are coasting to ever-higher earnings now because they hid ongoing costs back then.While theres no conclusive proof that managing earnings is on the rise, it is undeniable that the game is being played more aggressively than ever. This isnt necessarily bad. The good side of what a lot of people call the game of managing expectations is that companies realize that they have to give better guidance to the market as to what their prospects are, says Ed Keon, senior vice president for marketing at I/B/E/S.The downside of giving better guidance-apart from the hours of valuable top management time that it eats up is that the investors most interested in the estimates are not exactly the well-run corporations best friend. They are the momentum guys mutual fund managers and hedge fund jockeys and individual invest ors who jump on the bandwagon when a companys earnings growth is accelerating and beating the analysts estimates, and jump off the second it misses a quarter. When it stops, they sell you cannot break this algorithm, says a resigned Eric Benhamou, chief executive of 3Com Corp. which lost $7 billion in market value in a matter of weeks this year as it became known that its earnings for the quarter ended February 25 would nor not meet analysts expectations. The moral of the story: Unless youre a trader, ignore the short-term kabuki that the companies and the analysts perform for each other, but educate yourself about the accounting games that companies play. If enough investors did, it could mean that the smartest earnings and expectations management strategy of the 2000s will be dont bother.

Biography of Sam Houston, Founding Father of Texas

Biography of Sam Houston, Founding Father of Texas Sam Houston (March 2, 1793–July 26, 1863) was an American frontiersman, soldier, and politician. As commander of the forces fighting for Texas’ independence, he routed the Mexican troops at the Battle of San Jacinto, which essentially won the struggle. Over his long career, he was a successful and effective statesman, serving as congressman and governor of Tennessee and the first and third president of the Republic of Texas, before becoming a U.S. senator and governor for the state of Texas. Fast Facts: Sam Houston Known For: After winning the Battle of San Jacinto, which effectively won the Texas War of Independence, Houston was the founding statesman of Texas, serving as the first president of the Republic of Texas, then a U.S. senator and governor for the state of Texas.Born: March 2, 1793 in Rockbridge County, VirginiaParents: Samuel Houston and Elizabeth (Paxton) HoustonDied: July 26, 1863 in Huntsville, TexasEducation: Minimal formal education, self-taught, founded Cherokee school, read law in Nashville under Judge James TrimblePositions and Offices: Attorney general for Nashville Tennessee, U.S. congressman for Tennessee, governor of Tennessee, major general of the Texas Army, first and third president of the Republic of Texas, U.S. senator for Texas, governor of TexasSpouse(s): Eliza Allen, Diana Rogers Gentry, Margaret Moffette LeaChildren: With Margaret Moffette Lea: Sam Houston, Jr., Nancy Elizabeth, Margaret, Mary William, Antoinette Power, Andrew Jackson Houston, William Rogers, Te mple Lea HoustonNotable Quote: Texas has yet to learn submission to any oppression, come from what source it may. Early Life Houston was born in Virginia in 1793 to a middle-class family of farmers. They went West early, settling in Tennessee- which was, at that time, part of the western frontier. While still a teenager, he ran off and lived among the Cherokee for a few years, learning their language and their ways. He took a Cherokee name for himself: Colonneh, which means Raven. Houston enlisted in the American army for the War of 1812, serving in the west under Andrew Jackson. He distinguished himself for heroism at the Battle of Horseshoe Bend against the Red Sticks, Creek followers of Tecumseh. Early Political Rise and Fall Houston soon established himself as a rising political star. He had allied himself closely to Andrew Jackson, who in turn came to see Houston as a protà ©gà ©. Houston ran first for Congress and then for governor of Tennessee. As a close Jackson ally, he won easily. His own charisma, charm, and presence also had a great deal to do with his success. It all came crashing down in 1829, however, when his new marriage fell apart. Devastated, Houston resigned as governor and headed west. Sam Houston Goes to Texas Houston made his way to Arkansas, where he lost himself in alcoholism. He lived among the Cherokee and established a trading post. He returned to Washington on behalf of the Cherokee in 1830 and again in 1832. On the 1832 trip,  he challenged anti-Jackson Congressman William Stanberry to a duel. When Stanberry refused to accept the challenge, Houston attacked him with a walking stick. He was eventually censured by Congress for this action. After the Stanberry affair, Houston was ready for a new adventure, so he went to Texas, where he had purchased some land on speculation. He was also charged with reporting to Jackson about the political climate and events in Texas. War Breaks out in Texas On October 2, 1835, hotheaded Texan rebels in the town of Gonzales fired on Mexican troops who had been sent to retrieve a cannon from the town. These were the first shots of the Texas Revolution. Houston was delighted: by then, he was convinced that Texas separation from Mexico was inevitable and that the fate of Texas lay in independence or statehood in the United States. He was elected head of the Nacogdoches militia and would eventually be appointed major general of all Texan forces. It was a frustrating post, as there was little money for paid soldiers and the volunteers were hard to manage. The Battle of the Alamo and the Goliad Massacre Sam Houston felt that the city of San Antonio and the Alamo fortress were not worth defending. There were too few troops to do so, and the city was too far from the rebels east Texas base. He ordered Jim Bowie to destroy the Alamo and evacuate the city. Instead, Bowie fortified the Alamo and set up defenses. Houston received dispatches from Alamo commander William Travis, begging for reinforcements, but he could not send them as his army was in disarray. On March 6, 1835, the Alamo fell. All 200 or so defenders fell with it. More bad news was on the way, however: on March 27, 350 rebel Texan prisoners were executed at Goliad. The Battle of San Jacinto The Alamo and Goliad cost the rebels dearly in terms of numbers of soldiers and morale. Houstons army was finally ready to take the field, but he still had only about 900 soldiers, far too few to take on General Santa Annas  Mexican army. He dodged Santa Anna for weeks, drawing the ire of the rebel politicians, who called him a coward. In mid-April 1836, Santa Anna unwisely divided his army. Houston caught up with him near the San Jacinto River. Houston surprised everyone by ordering an attack on the afternoon of April 21. The surprise was complete and the battle was a total rout  with 700 Mexican soldiers killed,  about half of the total. The other Mexican soldiers were captured, including General Santa Anna. Although most of the Texans wanted to execute Santa Anna, Houston did not permit it. Santa Anna soon signed a treaty recognizing Texas independence which effectively ended the war. President of Texas Although Mexico would subsequently make several half-hearted attempts to re-take Texas, independence was essentially sealed. Houston was elected the first president of the Republic of Texas in 1836. He became president again in 1841. He was a very good president, attempting to make peace with Mexico and the Native Americans who inhabited Texas. Mexico invaded twice in 1842 and Houston always worked for a peaceful solution; only his unquestioned status as a war hero kept more bellicose Texans from open conflict with Mexico. Later Political Career Texas was admitted to the United States in 1845. Houston became a senator from Texas, serving until 1859, at which time he became governor of Texas. The nation was wrestling with the slavery issue at the time and Houston was an active participant in the debate, opposing secession. He proved a wise statesman, working always toward peace and compromise. He stepped down as governor in 1861 after the Texas legislature voted to secede from the Union and join the Confederacy. It was a difficult decision, but he made it because he believed that the South would lose the war and that the violence and cost would be for naught. Death Sam Houston rented the Steamboat House in Huntsville, Texas in 1862. His health took a downturn in 1862 with a cough that turned into pneumonia. He died on July 26, 1863, and is buried in Huntsville. The Legacy of Sam Houston The life story of Sam Houston is a gripping tale of rapid rise, fall, and redemption. His second, greatest ascent was remarkable. When Houston came west he was a broken man, but he still had just enough prior fame to immediately take an important role in Texas. A one-time war hero, he prevailed again at the Battle of San Jacinto. His wisdom in sparing the life of the defeated Santa Anna is considered to have been crucial to sealing Texas independence. Through this second rapid rise, Houston was able to put his more recent troubles behind him and become the great man that had seemed to be his fate as a young man. Later, Houston governed Texas with great wisdom. In his career as a senator from Texas, he made many prescient observations about the Civil War that he feared was on the nations horizon. Today, many Texans consider him among the greatest heroes of their independence movement. The city of Houston is named after him, as are countless streets, parks, and schools. Sources Brands, H.W. Lone Star Nation: The Epic Story of the Battle for Texas Independence. Anchor Books, 2004.Henderson, Timothy J. A Glorious Defeat: Mexico and its War with the United States. Hill and Wang, 2007.Kreneck, Thomas H. â€Å"Houston, Samuel.†Ã‚  The Handbook of Texas Online| Texas State Historical Association (TSHA), 15 June 2010.Sam Houston Memorial Museum.

Diversity Management as a Tool For Eliminating Discrimination Literature review

Diversity Management as a Tool For Eliminating Discrimination - Literature review Example This paper shows that what are the positive points of diversity management and how diversity management enhances the performance of the individuals as well as the organization. It will develop the skills which are essential to managing a workforce team. In this article, we will study how a diversified work team enhances the productivity of an organization and how we can mitigate the hazards of diversity.  Organizations are formed with a major aim to earn profits but to earn profits, dedication and hard work is required, apart from compelling the employees to do the work. Management or the managers are supposed to manage their employees and their work in a professional manner which is ethical and appreciable as well. Proper management will ultimately increase the performance and motivate the employees because according to Steven Kopin self-motivated employees are more productive and dedicated rather than the unmotivated ones. The most important human activity is managing. Ever since people began forming groups to accomplish aims they could not achieve as individuals, managing has been essential to ensure the coordination of individual efforts. As society has come to rely increasingly on group effort, and as many organized groups have become large, the task of managers has been rising in importance. The aim of all managers is the same: "to create a surplus". Management is the process of designing and maintaining an environment in which individuals, working together in groups, efficiently accomplish selected items. Management is essential for any organization for creating its value in the long run. Managers are charged with the responsibility of taking actions that will enable individuals to make their best contribution to groups' objectives. Management thus applies to small and large organizations, to profit and for a not-for-profit enterprise to manufacture as well as service industries. The term enterprise refers to a business, government agency, hospital, un iversity, and any other type of organization.

Tarim Documentary-Capital of Islamic Culture 2010 Essay

Tarim Documentary-Capital of Islamic Culture 2010 - Essay Example According to the movie, people come to Tarim from all over the world to learn about Islam (Tag archives). One thing I like about the movie is the light shed on women scholars especially those in Tarim. Most of these ladies are wives or mothers to male Islamic scholars. The ladies are depicted as knowledgeable and interesting people who outdo men. In the movie, women have been depicted as useful ingredients in the preservation of Islamic culture. Important things that I would like to apply to my own life to enhance my cultural knowledge is the creation of time to relax, connect with my creator and remind myself about my culture. Culture remembrance reminds one of her past and helps her to live the present in connection with the past. Nowadays people are busy in organizations working to an extent they forget to create time and connect with the spiritual world for spiritual nourishment and refresh the body for health

Chat language

Chat language Chat Language Chat Language is a recent concept which is characterized by overwhelming acceptance. Chat language can be justly described as the result of the worldwide impact of Internet and Cosmopolitan culture. Chat Language refers to the whole range of abbreviations and smileys which have become an integral part of the process of chatting. Usefulness of Chat Language The usefulness of chat language is well illustrated by the overwhelming acceptance of the language. In fact, chat language is one of the most commonly used medium of communication amongst the youngsters. Chat Language is most prevalently used by the people living in big cities where the impact of Internet is more profound. Chat Language has simplified and speeded up the process of transmitting messages. You can make use of this short and sweet chat language to aptly communicate your thoughts and feelings to your dear ones. In fact, a smiley also enhances the look of the messages, thereby, expressing your feelings properly. Chat Language proves to be less time consuming. Knowledge of Chat Language In order to make use of the chat language efficiently, you need to learn the short forms and smileys properly. In order to expand the scope of your knowledge about Chat Language, you can make use of the handy and easily understandable Chat Dictionary. A Chat Dictionary provides with an entire list of abbreviations that are used in chat and are easy to remember. In chat language, the spelling of a normal word is shortened. For example, AFK stands for Away From Keyboard while FYI means For Your Information. Below is a list of some of the most commonly used short forms and smileys: ASAP As Soon As Possible BBL Be Back Later FWIW For What Its Worth GTSY Glad To See You IC =Â » I See IRL =Â » In Real Life LY =Â » Love Ya TNT =Â » Till Next Time o:-) =Â » Angelic >:-( =Â » Angry |-I =Â » Asleep : =Â » Crying :-) =Â » Crying with Joy :-( =Â » Crying Sadly :-9 =Â » Delicious, Yummy

Agent Banking for Bangladesh

| | VOL 20 NO 157 REGD NO DA 1589 | Dhaka, Thursday, March 28 2013| http://www. fe-bd. com/index. php? ref=MjBfMDNfMjhfMTNfMV85Ml8xNjQ1NzA= | Bangladesh Bank mulls agent banking for financial inclusionM S Siddiqui Agent banking is a financial service offered to customers by a third party on behalf of a financial institution (FI). An agent is an entity that is engaged by an FI to provide specific financial services on its behalf using the agent's premises.It is an additional delivery channel that can enhance the convenience, the outreach of quality and affordable financial services, particularly to the underserved, in a more cost-efficient manner. Such an arrangement is a cheaper way for FIs to reach out to the underserved population. The use of the term ‘agent' is not necessarily a reference to an agent in the traditional legal sense of a party authorised by a principal to act on the principal's behalf and for whom the principal is liable with respect to activities taken by the agent within the scope of its agency relationship or contract.An agent is any third party acting on behalf of a bank, whether pursuant to an agency agreement, service agreement, or other similar arrangement. In most countries, the principal banker is liable under a law for the actions of its agents, whether such actions are explicitly or implicitly authorised. Liability for the actions of a non-agent entity acting on behalf of the bank may be different and will often depend on the contractual agreement.However, a bank's liability (whether by law or contract) for third-party actors will likely impact the bank's policies and procedures, which will in turn impact the superviser's oversight of the bank. The Bangladesh Bank has many recent projects for inclusive financial packages to reach out to non-bankable citizens. Achieving financial inclusion therefore requires innovative business models that dramatically reduce costs for everyone and thus pave the way for profitable extension of financial services to the poor citizens. A major obstacle to financial inclusion is he cost-not only the cost incurred by banks in servicing low value accounts and extending banking infrastructure to underserved, low-income areas, but also the cost incurred by poor customers, in terms of time and expense in reaching bank branches. The banking agent method emphasises greater efforts towards achieving the vision of an inclusive financial system that best serves all members of society, including the underserved, to have access and usage of quality and affordable essential financial services. FIs can reach an additional client segment or a geographical area.Reaching poor clients in rural areas is often prohibitively expensive for financial institutions, since transaction numbers and volumes do not cover the cost of a branch. In such environments banking agents use their existing retail infrastructure. Lower set-up and running cost can play a vital role in offering many low income people their first time access to a range of financial services. Also, low income clients often feel more comfortable banking at their local store than walking into a marble branch. The clients benefit from the agents' banks with lower transaction cost and service, but closer to the client's home.Bankable persons visit stores anyway for groceries all the day, enjoy services with a smaller crowd than in branches. Globally, retailers and post offices are increasingly utilised as important distribution channels for financial institutions. The points of service range from post offices in the outback of Australia where clients from all banks can conduct their transactions, to rural France where the bank Credit Agricole uses corner stores to provide financial services, to small lottery outlets in Brazil at which clients can receive their social payments and access their bank accounts.It has been used very well in Latin America and Asia. There are few African countries that have taken up agency banking. Cheaper to operate: It has been found in research that agent banking systems are up to three times cheaper to operate than branches for two reasons. First, agent banking minimises fixed costs by leveraging existing retail outlets and reducing the need for financial agent banks to invest in their own infrastructure. Second, acquisition costs are lower for bank-enabled agents and bank wallets.The advancement in information and communication technology (ICT) has brought with it the tremendous innovation in the banking industry. Currently, agent banking is an integral part of modern banking in many countries. Banks in Bangladesh are offering services for transfer of money from overseas to any remote area of the country. The payment of different utility bills through mobile bank outlets is very common. The agent banking will provide much more services to the clients.Whether a client accesses his bank account at the agent's outlet or in a branch or at an ATM does not make any dif ference. Technology can enable banks and their customers to interact remotely in a trusted way through the existing local retail outlets. Customers can be issued bank cards with appropriate personal identification number (PIN)-based or biometric security features and the local store-the banking agent can be equipped with a point of service (POS) device controlled by and connected to the bank using a phone line or wireless or satellite technology.Infrastructure requirements can be further reduced by using mobile phones both to hold â€Å"virtual cards† for customers and as a POS device at the store. Responsibilities of agents: The agents have many responsibilities. Such responsibilities include – * apply diligence in validating a customer's identity and transactions to avoid entering into fraudulent transactions or dealing with fraudsters; * maintain a transaction record book, being evidence of every transaction undertaken in the specified format or in such a manner as required by the bank.The transaction record book should be the property of the bank and be returned to the bank by the agent upon termination of the contract or when it is fully completed before issuance of a new transaction record book; * comply with the bank's Know Your Customer (KYC) and Anti-money Laundering/Combating Financing of Terrorism (AML/CFT) requirements and/or laws or other regulations in force; * keep details of customers or customer transactions confidential; * maintain their connectivity with the internet in order to gain access to the web agent portal; provide sufficient cash for the location offering cash load and payout services; * comply with the central bank regulations, where the online web portal is in use; * display merchandising materials provided at their location; * ensure employees are trained by the bank on agency operations. Banks also have to ensure that agents, as extensions of the banking system, are able to provide professional customer service, ke ep records, handle cash, and manage liquidity. As a result, one of the primary questions regulators grapple with is who can act as an agent.BB's initiatives: The ongoing global expansion of high-tech telecommunications infrastructure, coupled with the increased availability of advanced information technology services, is having an impact on almost every industry, including banking. The Bangladesh Bank (BB) plans allowing agent banking to gear up further its drive for financial inclusion aiming to help the government achieve sustainable economic growth. The BB has already laid the necessary foundation for agent banking by introducing mobile banking that has already got a good response, especially from rural people.Currently, eight banks are providing mobile banking services involving the country's major mobile phone operators. Many countries permit a wide range of individuals and legal entities to be agents for banks. Other countries limit the list of eligible agents on the basis of a legal form. For example, India permits a wide variety of eligible agents, such as certain nonprofits, post offices, some shop owners, retired teachers and most recently, profit companies including mobile network operators (MNOs).Explicitly excluded, however, are the largest microfinance institutions (MFIs) registered as non-bank finance companies (NBFCs). Kenya takes a different approach, requiring agents to be for-profit actors and disallowing non-profit entities (like non-governmental organisations (NGOs), educational institutions, and faith-based organisations). In another example, Brazil permits any legal entity to act as an agent, but prevents individuals from doing so. The issue of liability: There is the delicate issue of liability of any mistake or misappropriation.Imposing liability on banks for acts of their agents is often the key factor in giving bankers the comfort needed to permit the use of agents. There is a point of imposing liability on banks for agents' non-comp liance with bankers' requirements. Imposing liability on banks for acts of their agents is often the key factor in giving banks the comfort needed to permit the use of agents. The bank liability for agents' noncompliance forces the agents to ensure professional agent behaviour and agents' compliance with agreed norms and rules issued by central bank.All countries that permit bank agents also impose bank liability for these agents. Brazil, a country with perhaps the most widespread use of banking agents, requires banks to be â€Å"fully responsible for services rendered by its agents. † Similarly, India requires that â€Å"all agreements/contracts with the customer shall clearly specify that the bank is responsible to the customers for the agents' acts of omission and commission. Interestingly, Pakistan imposes bank liability but states that the bank may â€Å"take steps it deems necessary to safeguard itself against liabilities arising out of the actions of its agents?. Thi s clause suggests that banks should enter into indemnification agreements with their agents-a protection that could steer banks toward large and well-capitalised agents capable of indemnifying the bank while forgoing agent relationships with smaller retailers who may nevertheless be better positioned to serve the low-income population segments. However, despite the widespread imposition of liability for agents' acts, financial inclusion goals would benefit from limiting the provider liability to those actions or omissions related to the provision of financial services.A failure to do so potentially increases costs of the financial services provider who may have to pay damages for agents' actions unrelated to the purpose of the agency. These costs could have a market chilling effect, negatively impacting not only on the emergence of viable business models but also the ease and speed by which such models reach a certain scale. Some countries more clearly limit the extent of liability to the financial services provided. For example, Kenya's banking agent guidelines impose liability on banks for agents' actions, even if not authorised in the agency contract.The service charge of an agent is a matter of concern. Nearly all countries prohibit the agent from charging customers directly for agent services, and some countries even restrict how much a bank can charge customers for agent transactions. Such well meaning regulations, aimed at protecting customers from excessive fees, can endanger the spread of branchless banking models, if they leave participants unable to make an acceptable return in light of the unique challenges and costs of reaching the poor.According to the BB plan, the agent could be an employee of bank who would offer people banking services including deposit and withdrawal of cash, transfer of fund, bill payment and the receipt of remittance, salary and government benefits. We would wait with interest for the BB rules on bank agency, particularly t he list of eligible agents, the liability of errors and omission of agents. The writer is pursuing PhD at Open University, Malaysia [email  protected] com| | |

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