Essay about BSHS 355 week 2 assignment - 745 Words

Family of Woodstock, Inc. Amber Watson BSHS/355 May 13, 2014 Juanita Harb Family of Woodstock, Inc. The factors that led the founders to create Family of Woodstock Woodstock originally started as a festival in 1969 for young American youth escaping the confines of the world they were living in. The town became instantly famous, with kids searching for the utopia lifestyle. The town became famous to young youth everywhere. The town that was once quiet was now overgrown with young youth sleeping on benches, people now hitchhiking in and out of the town, and also seeking food and clothing. One woman realized all there was a problem and opened her home and phone line to them. The Family of Woodstock still has the same telephone number†¦show more content†¦How have the values, attitudes, and beliefs of this organization developed and changed over a 40-year period, and how have these changes affected the way they deliver services? The Family of Woodstock went from helping teens who were runaways and homeless due to their situations, to now dealing with young adults and children who come from divorces and â€Å"blended families.† In th e 90’s when divorces became more of the norm, more children and young adults were leaving home, because they felt the younger, newer siblings were replacing them. Also some of these blended families still had the same problems that were faced before, domestic violence, sexual assault, and financial restraints. There are now Midway Programs open in Ellenville, New York and also Kingston, New York. Both these Midway programs are run by the Family of Woodstock, and provide the same services. These two homes have six adolescents each, ranging from ages 16-20. They are provided with the chance to earn their GED and also further their education to college. These adolescents are taught daily living responsibilities, daily living expenses, how to live in a co-ed home, and also to live in the world as an active member of society. There have been many changes made to the Family of Woodstock agency due to growing population, word of mouth, and also changes in society. How has specialization become a trend across human servicesShow MoreRelatedFamily of Woodstock1111 Words   |  5 Pages THE FAMILY OF WOODSTOCK BSHS 355 xxxxxxxxxxxx October 20, 2014 Professor xxxxxxxx The Family of Woodstock Paper This paper will explore the factors that led the Founders to create the Family of Woodstock while discussing its ability to meet the needs of the community. Further discussion will include creation of the agency’s values, attitudes and beliefs and how they have changed over its 40 year period of service to the community and how specialization has become a trend in the human services

The Media And Its Impact On The Modern World Essay

Over the past century, communications media has grown by leaps and bounds, both in terms of technological advancement and the sheer ability to impact society in a greater way. Other factors like globalization notwithstanding, the media moguls have definitely played a major role in the development of the communications media over the past century. Media is one of the most powerful and essential part of a country’s economy in the modern world (Vartanova, 2013) Globally, media and media moguls are affected by political, social and cultural nature of its target audience and entrepreneurial activity respectively. Paddy Scannell also rightly states that the key factors important in shaping communications are social, economic, cultural and political (Scannell, Social Aspects of Media history) ‘Media moguls’ as a construct can be understood to mean an entrepreneur or businessperson who controls by means of personal ownership or a dominant position controls a big conglomerate of different media houses. According to Wikipedia, such ownership by media moguls, first became prominent in the US in the 19th century with the development of mass circulation newspapers. In the 20th century, proprietorship expanded to include electronic media (radio and television) networks, film studios, publishing houses, and more recently internet and other forms of multimedia companies. The term media mogul has evolved in usage from press baron, to media baron and now media mogul. Rupert Mudorch ofShow MoreRelatedCulture Globalization and Its Impact on Recreation Culture1353 Words   |  6 Pagessummary the world had occupied through the latest twenty century until that day by globalization theory, its concept and future impacts . the scientists opinions had varied about globalization repercussions at rising countries including the Arab and Islamic countries . cultural globalization is one of globalization fields which correlated by cultural side , all life fields impacted by globalization , the sport field is one of fields which impact by social phenomenon what appear on societiesRead MoreAdvertisement And Culture Of The Media1658 Words   |  7 Pages______________________________________________________________________________ 1. Introduction In the era of information society, media is playing a very crucial part in everyday lives. It influences both how we see ourselves and society in all perspectives. There are different kinds of media and all of them are presenting their content in more fascinating and glamorize way to influence audience. The presentation of advertisement and pictures in the media is certainly creating a unique mental space in the mind of social capitals. As far asRead MoreInfluence Of Mass Media885 Words   |  4 Pages Mass Media: Development and Literacy Alicia Nunez HUM/186 Media Influences on American Culture 8/21/2017 Allyson Wells Mass Media: Development and Literacy In the last century mass media has went from paper to digital, these major developments have influenced American culture in many ways. Newspapers have been around from the beginning they provide readers with information of practical value such as; television schedules, weather maps, and listings of stock prices. In additionRead MoreNegative Effects Of Social Media Essay1144 Words   |  5 Pageshad a huge positive impact on the efficiency and productivity of today’s society and the generation of people that have come from it, it has also slowed us down and made us forget our priorities. As technology has evolved, so has the creation of social media. Although social media has made us capable of connecting to friends and strangers across the world, it has also divided us as social people. Have you ever met someone that just can’t seem to get away from the virtual world? Someone whose eyesRead MoreWhy Is Medium Is The Massage Essay1528 Words   |  7 PagesWhy is Medium Message? Marshall McLuhan, a technological determinist, says in his book ‘Medium is the massage’ that the most widespread modern media influence how humans think, act and perceive the world around them. He states that the medium significantly influences the message that people will receive, and thus, the same message is perceived by the same individual in several ways if he receives them in a different way. The expression the medium is the message means that recipient receives messagesRead MoreThe Effects Of Modern Media On Us1046 Words   |  5 Pagesour society impacts us in one way or another; these influences can either be positive or negative. For example, when we see something good happen to others around us we tend to be in a happier mood and when something tragic happens to our country, such as what happened in 9/11, we can’t help but mourn. We never notice how the small things in life could influence us in big ways. We never would notice that things like modern m edia, such as television, ads, and the internet would impact us in ways weRead MoreSocietal Influence and Identity Formation Essay1058 Words   |  5 Pagesreasons and things helping to develop the appropriate sense of identity on the part of people. Some of them influence this process positively, and others have the negative impact on identity formation of people in the modern society. A remarkable role in the process of identity formation is attached to the society, such as media, family and peers, the so-called every-day environment of people. But people should understand that the identity formation is within the person and nobody can distract peopleRead MoreImportance Of Online Media1399 Words   |  6 Pagesit’s a world-wide used language. Thus, I was forced to learn the language and develop my language skills in reading and writing, speaking. Therefore, I was motivated to master a new language so I can read this news and platform. Online media made me understand many countries culture, values, traditions and made me realize that everyone has their own experiences, issues, challenges and different perspective. In the end, online media has been a great medium for me to understand the world better andRead MoreSocial Media: The New Public Relations Norm Essays1131 Words   |  5 PagesSocial Media: the New PR Norm  The most recent definition of public relations, according to the Public Relations Society of America (2012), states that â€Å"Public Relations is a strategic communication process that builds mutually beneficial relationships between organizations and their publics.† Through the rapid advancement of modern media and technology, there have never been more outlets and opportunities available for accomplishing the goals of public relations. Believing the development ofRead MoreSociety s Dependence On Technology1244 Words   |  5 Pageslevel, we are now incredibly dependent on technology. We may be too dependent on technology, but our dependence does not necessarily impact us in negative ways. II. Some say the increasing need for technology, specifically social media, causes social isolation. Since so much time is spent on technology, these days, people tend to forget about the outside world around them (Ramey). â€Å"Americans aged 18 and older spend more than 11 hours a day watching TV, listening to the radio or using smartphones

Essay on Working Capital Management

Essay on Working Capital Management Working capital management ensures that a business has an optimum amount of working capital. Working capital management involves a trade-off between two conflicting objectives liquidity and profitability. When a business holds too much working capital, it is said to be overcapitalized. An overcapitalized business has high levels of cash, inventory, and receivables, and low levels of payables (Talekar, 2005). The benefit of having high levels of working capital is that such a business has adequate current assets to meet current obligations as they fall due. This means that such a business has a low risk of being illiquid. However, the high investment in working capital means increased financing costs that erode profitability (Talekar, 2005). A business having low levels of working capital is said to be undercapitalized or overtrading. Overtrading refers to a scenario where a business attempts to support a large volume of trade using limited working capital. An overtrading business has low levels of inventory, cash, and receivables, and high levels of payables (Talekar, 2005). The benefit of having low levels of working capital is increased profitability. However, low levels of working capital increase the risk of illiquidity. Therefore, businesses must avoid either extreme. Having too much working capital will lower its profitability, and having too low working capital will increase the risk of illiquidity. TFC can improve its cash position by a faster collection of cash, negotiating with suppliers for longer credit terms, or reinvesting the dividends. TFC can improve the cash collection by offering cash discounts to the Body Builders to encourage them to settle their accounts faster. However, TFC has to ensure that the benefit of receiving the cash faster outweighs the cost of the discount. Renegotiating the payments terms from $8,000 to $4,000 would improve the cash flow position. Reinvesting the dividends will result in an ending cash balance of $16,500. However, this option may cause dissatisfaction among shareholders and increase agency costs. TFC should only reinvest dividends as a last resort.

What Is Meant By The Term Objectivity - 870 Words

Explain what is meant by the term ‘objectivity’ (2 marks) Objectivity means that the researcher has to remain natural while conducting research and to not be bias. Suggest two disadvantages of longitudinal studies in sociological research (4 marks) A main disadvantage of longitudinal studies is panel attrition. If you are going to study a group of 1,500 participants once a year then obviously some of these participants will no longer be able to be part of the study. This could be due to illness or death, refusal, or changes in personal information such as contact information and address. Because of this, the same size will get smaller and there wont be as much data to draw conclusions from. Another disadvantage to longitudinal studies is that because the researcher and participants see each other one a year and over time the participant could subconsciously change their input or information in order to better suit what they believe to be the researchers hypothesis or goal. The study itself can affect how the respondent views and answers the questions. Suggest two advantages of using structured interviews in sociological research (4 marks) A main advantage of using a structured interview instead of an unstructured interview is that because the interviewer can standardise and controlled they are seen as reliable. Because of this, other sociologists can repeat the research and get the same results because they can ensure that the interview is conducted in the sameShow MoreRelatedIn Determining Whether There Is an Agreement Between Parties, Is English Law Commited to an Objective View of Agreement?1381 Words   |  6 Pagesparties we must look at the intentions of each party. It is possible to analyse the intentions of parties from either a subjective or objective viewpoint. The subjective viewpoint looks at what the party’s themselves actually intended to obtain from an agreement and can be accomplished by simply asking each party what their intentions were. This however could lead to an untruthful representation of a party’s intention, which if provable, may in turn lead to legal action for fraud. Althoug h, how wouldRead More A Taxonomy of Moral Realism Essay1637 Words   |  7 Pagesin which we understand the nature of moral value, moral disagreement, and moral reflection. But it has not been clearly demonstrated what is involved in moral realist theory. I provide a framework which distinguishes three different versions of the theory while at the same time showing the interrelations between them. I also demonstrate how issues such as objectivity, cognitivism, and truth can be related into the discussion by means of this framework. Since morality exercises a deep influenceRead More Journalism and Social Media1319 Words   |  6 Pagesjournalism that is appealing to me. I recently read an article somewhere, in which BBC journalist Sigrun Rottman said that objectivity in journalism is an illusion and the media should think more of being balanced than being objective. According to her, objectivity in the media does not really exist. This hit home for me because before being a journalism student I believed that objectivity in journalism was undoubtedly the focal point of the profession and that the business of every journalist was to beRead MoreDifference Between Natural And Social Sciences Essay1510 Words   |  7 PagesWhen one thinks of the concept of science, the terms natural and social do not come to mind. However, one would assume there is no difference between social and natural science, if it is not acknowledged as one or the other to begin with. Is one science more inferior to the other science? Michael Scriven, Brian Fay, J. Donald Moon and Fritz Machlup are just a few individuals who have primarily discussed the distinction between natural and social sciences. These discussions led to the question ofRead MoreEssay The Effect of Media Bias in America1093 Words   |  5 Pages Broadcast news can be dangerous, not because of what it reports, but because of what it doesn’t. This applies to all forms of media. As time has gone by the media has changed from what I remember as a child watching the news. It was the election of Ronald Reagon, I remember that it was a big deal. In this time we trusted the media to tell us what was going on in the country. Not to mislead us and not to lie to us. To give us the facts and not the opinions of a select few, I didn’t really know anyRead MoreAfrocentricity, Race, and Reason1502 Words   |  7 PagesWade Nobles, Kariamu Welsh Asante, and Cheikh Anta Diop (Asante). This by no means is not an exhaustive list, but simply a sample of activists/intellectuals who have helped to define the Afrocentric way of thinking. Afrocentricity is an ideology meant to be used as a corrective factor for Africans in Diaspora. It represents the possibility of intellectual maturity, a different way of viewing reality (Asante). This school of thought opens new and original avenues to understanding humans. ThroughRead MoreThe, The Bark, And Birds Hell1445 Words   |  6 PagesCultural Bolshevism was a term used by Nazi Germany to attack Modernist Movements in the arts. After enduring such rejection, Mac Beckmann focused his experience of Modern life into Expressive images with an intensity of emotion and symbolism. During the 1920s, Beckmann became one of the main artists associated with Neue Sachlichkeit or New Objectivity. When the New Objectivity emerged in Germany, it challenged the idea of Expressionism. The focus of the New Objectivity was as the name suggests,Read MoreManet at the Bar1216 Words   |  5 PagesKevin Chapman ARTH 2720-001 Term Paper December 5, 2012 Manet and The Bar Edouard Manet’s painting A Bar at the Folies-Bergere, was completed in 1882 and is considered his last great painting. He displayed it at the Paris Salon just one year before his passing. This painting as vexed art historians throughout the years for its complex visual subject matter and leaves Manets true interpretation of his painting in the air for discussion. Although there are many interpretations, A Bar at the Folies-BergereRead MoreThe Case Of Codelfa Construction Pty Ltd V. State Rail Authority Of N.s Essay874 Words   |  4 PagesThere has also been an increasing recognition in case law, even among strong proponents of the traditional principle of objectivity, that the rigid nature of the exclusionary rule can restrict fair adjudication. A notable example is found in the Australian case of Codelfa Construction Pty Ltd v. State Rail Authority of N.S.W., where Mason J, known to be a strong proponent of the orthodox objective approach was inclined to acknowledge that â €Å"there may perhaps be one situation in which evidence of theRead MoreAnalytical Essay Super Size Me1351 Words   |  6 Pagespoor nutrition for its own profit. I found this documentary to be quite enjoyable and it was an overall quality film. â€Å"Super Size Me† was fun to watch with its colourful graphics and catchy lyrics which drew the audience closer and focused them on what Spurlock was representing. The documentary was effective in creating shock and disgust within the audience to further help the audience agree with and accept Spurlock’s views. The narrative structure of â€Å"Super Size Me† was built around a central enigma

Nonfiction Piece Free Essays

Essay Proposal This piece draws a portrait of a stranger in a coffee shop. Offering a kind of weekly enigma to me, she has come to represent the constant allure of mystery in the seemingly trivial. This essay focuses on that enigma, and the possible answers I have for them. We will write a custom essay sample on Nonfiction Piece or any similar topic only for you Order Now I start the essay with a snapshot of what this woman is. What does she look like? What does she do? In giving a descriptive appraisal at the beginning, I lay the foundation of the mystery. I note her gestures – the faint inclination of her head when she looks at her watch, the expectation apparent on her face when someone walks through the door, and the inevitable disappointment almost every time – and raise the question that would bring us closer to â€Å"solving† her mystery: Why? Why does she look the way she does? Why does she act this way? Why is she there? In this part of the essay, I create the mythos I have woven about her through the answers to these questions. In this essay, I depict her as I see her – the woman waiting. Because of the questions she has raised in me, I have assigned her an identity.  This essay presents her as what she seems to be, and then seeks to go further, bringing both reader and author along for a venture into who she is, or at least, what she might be. In writing this, I thrust the philosophy that everyone really has a story. The natural inclination of the curious man is to find out. And if one cannot know, then you can always let your imagination run free. Literary Nonfiction Essay There she is again, alone in the table at the far corner. Today, she has brought books with her: sonnets by Pablo Neruda, a creative writing textbook, and a discredited memoir. The book of poetry has been opened, and rests on her lap. A notebook, bound in leather, lies open on the table. A pen rests on the stark whiteness of the pages. She is looking at none of these. She smokes bent cigarettes every five minutes or so. She drinks her coffee as she glances at the door, trying not to look as if she were truly alone – that by looking at the doorway once in a while, she can pretend (and the world with her) that someone is coming to meet her.  Her cellphone, too, lies open. She takes a bite from her slice of lemon cake. The phone’s screen remains dark, no matter how long she stares at it. Outside it is raining. She looks up, scans the crowd, most of whom are oblivious of her presence. I cannot be. I have known her for far too long. No, I do not know her name, and I do not think I will ever ask. But I have seen her so many times before, her presence is more familiar than a stranger’s should be. Today, I have positioned myself only two tables away from her. Because I know I can never march up to her and demand what she is, I content myself with absorbing everything I can of her. I have sat closer to her today. I cannot help this fascination. I simply want to know. Her gaze finally rests beyond me, towards the door. I see her face more clearly than I ever have before, after all these weeks. Oval, and wan – her forehead is high, her eyes wide and dark. It is not a delicate face, for perhaps the prolonged sadness has seeped into her bones that her face has toughened, has become stronger. Her cheeks jut out and her lips are thin and pale. Her mouth is arranged into its usual tightness. She sighs when the door opens, then closes, and turns away. She looks at her watch. She sighs once more, leafs through the open book of poetry. When will she realize that she is the only woman in a cafe of lovers? Or has she always known? She has one mug all to herself, the others have to share. One cup of coffee, one white porcelain rim, for two bleeding mouths of bleeding hearts.  Inevitably, I think of the possibility of the reluctant lover. Every week, I see her here, always alone. I have never seen her leave with someone. I have never seen anyone, man or woman, stride over to her table, hold her hand, to lead her outside. Perhaps she has waited with the smallest of hopes that soon, someone would come to end the waiting. But perhaps the reluctant lover roams now the asphalt streets, in a suit and tie, a briefcase hanging from one hand as though it is an extension of his body. And this woman, with her poems and novels and empty notebooks – she is here, waiting, being watched by a person who has seen enough of her to realize that she is waiting.  Another woman – more of a girl, really – is at another corner. But she smokes her cigarette with the ease of one who knows that someone will meet her. Soon she will be gone and this woman, this woman, would light another cigarette and turn another page of one the books she has brought. I see her cellphone buzz, vibrating on the surface of the table. She twitches, then snatches it. Her eyes run over the illuminated screen, taking in the message quickly. Then, her lip curls, and she tosses her cellphone back to the table. Has she been told that she has to wait longer? She returns to her book but her gaze is blanker now. This book she has been reading has quite possibly turned out to be a chore and all too soon, the words blur until they are white. There is too much of her coffee, and the crystal grains of sugar have refused to melt. The lemon cake crumbles. Even her cigarette offends her, and she puts it out, only half-consumed.  With her, this woman, her waiting – things pale and darken at the same time. Knowing these things are just distractions, something to pass the time that just seems to crawl slower and slower that it sometimes falls still: the coffee cannot be finished, the cigarette doesn’t burn, the page goes on and on and on. Something has cloaked her – is it the knowledge that all these are things she’d rather not be doing? Shouldn’t be doing in the first place? She must finish her coffee, and only crumbs should be left on her plate. The book, open on her lap, can be replaced. There are two other books in her bag, and she takes them out: poetry speaking of a requited waiting.  She must think now: all this talk about unrequited love, when poetry should be made about unrequited patience: waiting for the phone to vibrate, waiting for the crumbs to settle, waiting for the coffee mug to empty, waiting for the cigarette to turn into ash, waiting for the books to turn to the last page, waiting for the rain to stop, waiting for the clock to strike ten, waiting for someone to come through the door with the spaciest of smiles just for her. Waiting, waiting, waiting. If she wrote – and I have feeling that she does, in spite of the blankness of her notebook now – how many times has she written about women like her?  She looks at her watch. Her phone vibrates one more. Listless, she picks it up, punches at the buttons. In but moments, her face clears, she sags in her chair. She is starting to smile.  I wonder then: the reluctant lover (but only in her mind, only when they are not together.) Has the un-reluctant lover tells her that he is near? Would Neruda, then, glow again? Because she is a woman who waits diligently albeit unwillingly, week after week, later, she will be disgusted with how much everything makes sense now. Even waiting in a parked car, while errands are run, will make her smile. The rain will fall harder. The drops will be opaque against the windshield and yet it shall leave shadows on her jeans. Oh, that smile. And she will think: Everything should be a familiar novelty, a novel familiarity. Yes, even waiting for him to come back with a bag or two of bread, while a Japanese love song drifts from the radio. She will think the song talks of a fulfilled longing, of a waiting ended.  But now, she is still waiting. But now she is sure that someone shall come for her.  She looks at me, sees me watching her. The smile she gives me is fleeting, the token nicety for strangers who stare too long at you. I smile back at her. She looks at the doorway, but it seems more out of habit, than anticipation. One last look, then it is time for me to go. How to cite Nonfiction Piece, Essay examples Nonfiction Piece Free Essays Essay Proposal This piece draws a portrait of a stranger in a coffee shop. Offering a kind of weekly enigma to me, she has come to represent the constant allure of mystery in the seemingly trivial. This essay focuses on that enigma, and the possible answers I have for them. We will write a custom essay sample on Nonfiction Piece or any similar topic only for you Order Now I start the essay with a snapshot of what this woman is. What does she look like? What does she do? In giving a descriptive appraisal at the beginning, I lay the foundation of the mystery. I note her gestures – the faint inclination of her head when she looks at her watch, the expectation apparent on her face when someone walks through the door, and the inevitable disappointment almost every time – and raise the question that would bring us closer to â€Å"solving† her mystery: Why? Why does she look the way she does? Why does she act this way? Why is she there? In this part of the essay, I create the mythos I have woven about her through the answers to these questions. In this essay, I depict her as I see her – the woman waiting. Because of the questions she has raised in me, I have assigned her an identity. This essay presents her as what she seems to be, and then seeks to go further, bringing both reader and author along for a venture into who she is, or at least, what she might be. In writing this, I thrust the philosophy that everyone really has a story. The natural inclination of the curious man is to find out. And if one cannot know, then you can always let your imagination run free. Literary Nonfiction Essay There she is again, alone in the table at the far corner. Today, she has brought books with her: sonnets by Pablo Neruda, a creative writing textbook, and a discredited memoir. The book of poetry has been opened, and rests on her lap. A notebook, bound in leather, lies open on the table. A pen rests on the stark whiteness of the pages. She is looking at none of these. She smokes bent cigarettes every five minutes or so. She drinks her coffee as she glances at the door, trying not to look as if she were truly alone – that by looking at the doorway once in a while, she can pretend (and the world with her) that someone is coming to meet her. Her cellphone, too, lies open. She takes a bite from her slice of lemon cake. The phone’s screen remains dark, no matter how long she stares at it. Outside it is raining. She looks up, scans the crowd, most of whom are oblivious of her presence. I cannot be. I have known her for far too long. No, I do not know her name, and I do not think I will ever ask. But I have seen her so many times before, her presence is more familiar than a stranger’s should be. Today, I have positioned myself only two tables away from her. Because I know I can never march up to her and demand what she is, I content myself with absorbing everything I can of her. I have sat closer to her today. I cannot help this fascination. I simply want to know. Her gaze finally rests beyond me, towards the door. I see her face more clearly than I ever have before, after all these weeks. Oval, and wan – her forehead is high, her eyes wide and dark. It is not a delicate face, for perhaps the prolonged sadness has seeped into her bones that her face has toughened, has become stronger. Her cheeks jut out and her lips are thin and pale. Her mouth is arranged into its usual tightness. She sighs when the door opens, then closes, and turns away. She looks at her watch. She sighs once more, leafs through the open book of poetry. When will she realize that she is the only woman in a cafe of lovers? Or has she always known? She has one mug all to herself, the others have to share. One cup of coffee, one white porcelain rim, for two bleeding mouths of bleeding hearts. Inevitably, I think of the possibility of the reluctant lover. Every week, I see her here, always alone. I have never seen her leave with someone. I have never seen anyone, man or woman, stride over to her table, hold her hand, to lead her outside. Perhaps she has waited with the smallest of hopes that soon, someone would come to end the waiting. But perhaps the reluctant lover roams now the asphalt streets, in a suit and tie, a briefcase hanging from one hand as though it is an extension of his body. And this woman, with her poems and novels and empty notebooks – she is here, waiting, being watched by a person who has seen enough of her to realize that she is waiting. Another woman – more of a girl, really – is at another corner. But she smokes her cigarette with the ease of one who knows that someone will meet her. Soon she will be gone and this woman, this woman, would light another cigarette and turn another page of one the books she has brought. I see her cellphone buzz, vibrating on the surface of the table. She twitches, then snatches it. Her eyes run over the illuminated screen, taking in the message quickly. Then, her lip curls, and she tosses her cellphone back to the table. Has she been told that she has to wait longer? She returns to her book but her gaze is blanker now. This book she has been reading has quite possibly turned out to be a chore and all too soon, the words blur until they are white. There is too much of her coffee, and the crystal grains of sugar have refused to melt. The lemon cake crumbles. Even her cigarette offends her, and she puts it out, only half-consumed. With her, this woman, her waiting – things pale and darken at the same time. Knowing these things are just distractions, something to pass the time that just seems to crawl slower and slower that it sometimes falls still: the coffee cannot be finished, the cigarette doesn’t burn, the page goes on and on and on. Something has cloaked her – is it the knowledge that all these are things she’d rather not be doing? Shouldn’t be doing in the first place? She must finish her coffee, and only crumbs should be left on her plate. The book, open on her lap, can be replaced. There are two other books in her bag, and she takes them out: poetry speaking of a requited waiting. She must think now: all this talk about unrequited love, when poetry should be made about unrequited patience: waiting for the phone to vibrate, waiting for the crumbs to settle, waiting for the coffee mug to empty, waiting for the cigarette to turn into ash, waiting for the books to turn to the last page, waiting for the rain to stop, waiting for the clock to strike ten, waiting for someone to come through the door with the spaciest of smiles just for her. Waiting, waiting, waiting. If she wrote – and I have feeling that she does, in spite of the blankness of her notebook now – how many times has she written about women like her? She looks at her watch. Her phone vibrates one more. Listless, she picks it up, punches at the buttons. In but moments, her face clears, she sags in her chair. She is starting to smile. I wonder then: the reluctant lover (but only in her mind, only when they are not together.) Has the un-reluctant lover tells her that he is near? Would Neruda, then, glow again? Because she is a woman who waits diligently albeit unwillingly, week after week, later, she will be disgusted with how much everything makes sense now. Even waiting in a parked car, while errands are run, will make her smile. The rain will fall harder. The drops will be opaque against the windshield and yet it shall leave shadows on her jeans. Oh, that smile. And she will think: Everything should be a familiar novelty, a novel familiarity. Yes, even waiting for him to come back with a bag or two of bread, while a Japanese love song drifts from the radio. She will think the song talks of a fulfilled longing, of a waiting ended. But now, she is still waiting. But now she is sure that someone shall come for her. She looks at me, sees me watching her. The smile she gives me is fleeting, the token nicety for strangers who stare too long at you. I smile back at her. She looks at the doorway, but it seems more out of habit, than anticipation. One last look, then it is time for me to go. How to cite Nonfiction Piece, Essay examples

Interest-Bearing Securities and Role in Portfolio Management

Question: Describe about the Interest-bearing Securities and their role in Portfolio Management. Answer: Introduction To explain the terminology of interest bearing securities, it would be simple to say that securities on which a predetermined rate of interest is due to be paid to the security holder or instrument owner. The time cycle of the payment of interest could be anything half-yearly, annually or at maturity. Portfolio management in itself is a vast area of financial market and we will be going analyzing all the areas step by step to ensure the clarity on the concepts. Securities in the financial market are of different nature depending upon their return abilities and risk bearing slots. In this analysis of financial markets, the focus country is Australia To understand the interest bearing securities and their role in portfolio management, there is prerequisite to comprehend financial market, classification of financial market into sub-divisions of money market and capital market. Financial market is all about taking decisions which are based on the information of truth and right equations rather going on hysteria situations. That the financial management issues are diverse and need elaboration and here in our analysis, we are making efforts to present the intuitions and knowledge of financial management in summary exploration. In terms of investors prospective, good returns on investment are expected but no sure shot portfolio could be set in order maximize returns or minimize risk associated with securities. The only reason of suspiciousness over returns is because financial markets are risk filled and imperfections and as output of these imperfections, inconsistency with the expectations is obvious. Risk associated with the securit ies is the crucial benchmark in evaluation of investment decision making as risk is directly proportional to returns. In a nutshell, better returns are expected when risk associated is high and low returns are expected when risk is minimal. There can be different multiplicities of risk such as business risk, interest risk, and market risk. Among them, the market risk is with highly vulnerable because no predictions can work out in situations of recession or market flip-down. In general terms, risk means that actual outcome will differ from the expected outcome and is unpredictable. Portfolio management refers to the process of creating pool of securities with different risk factors and return factors and then setting the overall expected return in combination of all requirements. Under portfolio management, aim is to select right kind of securities to invest and money is directed towards right channels. It can be observed that portfolio management is right and calculative step towards personalized investments i.e. tailored as per financial needs. (Drago , 2014) Importance of portfolio management: 1-It provides better decision making sense to investors and with better returns, decisions prove to be successful. 2- With various securities in the pool, the risk associated is lower. The only condition is not to select all the investments of high risk because portfolio is mix of lower, moderate and higher risk associated securities. 3-It also results in maximizing the control and efficiency of resources invested. 4-It brings sense of accountability for portfolio managers and they cannot easily get away with their decision of selection of certain categories. 5-Investors often are caught with financial resources crunch and PM (portfolio management) is the solution to this problem. 6-Under portfolio management, it is easy to see linkages of returns with market conditions and observation over dependencies in those portfolio which are long term. 7-With the change in business environment and economy holding better grasp over business operations, investors anticipate better decision making from the management. Investors have sole expectation to see growth in their portfolios. 8- Portfolio management provides big picture of the financial investment opportunities. (Basu, 2014) Now that we have clear understanding over portfolio, its management, uses and benefits that can be short term or long term, it is easy to move to very important divisions of financial markets-money market and capital market. Australian financial markets have by 27% since 2009 and overall volumes are even higher than the percentages itself. The AFMA (Australian Financial Management System) have integrated various reforms since the era of recession keeping the interest of the investors in good faith. With AFMA integrating the financial markets in collaboration with global markets is the initiative that essentially brought regulation and promoted efficiency towards economic growth. Basics about the Australian money market and the capital market: Money market refers to the arcade where money or its equivalent (securities) can be traded. One of the strong characteristics of money market is that here high liquidity securities are dealt and in all market situations, trading is short term. (Short term maturity). Securities such commercial papers, treasury bills, CDs (certificate of deposits), RAs (repurchase agreements) and so on. Capital market is the one where financial securities are created and dealt with the long term maturity period for the purpose of nurturing the long term needs. Shares, debentures, bonds, Euro issues, asset securitization are few examples which are traded in capital market. (Lee, 2015) All investment and securities are controlled and eyed by ASIC (Australian Securities and Investment Commission). ASIC performs the following functions: 1-It ensures right and timely information of the companies is available to the investors so that investors can make calculative decisions with their investments. 2-Prolong, simplify and improve the performance of Australian financial markets. 3- Organize events for consumer awareness and by doing this, it is valuing the hard-earned money of the investors. 4- Supervision of the market regulations and facilitating investors and dealers with minimal process requirements of trading in the financial market. With the clarity over interest bearing securities, following presumptions and facts need to be covered before studying the effect of interesting bearing securities on portfolio. 1-Risk factors affect the market value of interest bearing securities. 2-Market conditions cannot be stable in any scenarios and are volatile because of global events, news and government stability. 3-In the event of market interest rates going up, fixed interest securities will fall because new securities will be issued at higher rate than existing ones. Contrariwise, fix rate securities will increase in their value in the event of market rates coming down. 4-Inflation, business cycles and other domestic or international factors are there in the mind of investors and this become obvious cause of ups/downs of prices and interest rate of securities. 5-Reserve Bank of Australia usually intervenes in the market at the time when market conditions are very volatile either interest rates are digging the ground or touching the sky. It is necessary step to by RBA to ensure money allocations are appropriate. 6- There are also interest bearing securities which are protected against market volatility and therefore, guaranteed returns are expected from the investments with no plus/minus of any events. There are various interest bearing securities which are dealt in financial markets and below is the discussion for few important ones: Bonds Bonds are the debt security which are issued by the borrowers to raise money from the investors and there is timeline of maturity of bonds which is declared at the time they are issued. Types of Australian bonds are as follows: Fixed rate bonds- By the name it illustrates that bonds which offers fixed rate of interest are fixed rate bonds. Though fixed rate bonds are sure shot investments, but they do carry the risk associated with the goodwill of the bond issuer which is directly proportional to financial condition of the bond issuer. Floating rate bonds- Floating term denotes continuous change. Floating rate bonds are those bonds which are issued at adjusted price but that price is not constant over a period of time. The reason of this change is market interest rates which changes as per financial factors. Government bonds- Australian government bonds are issued by The commonwealth of Australia. Since they are government bonds, they offer more security, stable and regular income and the best is choice of maturities. Corporate bonds- Corporate bonds traded on ASX (Australian Securities Exchange) are issued in the multiples of $1000 or $5000 for raising funds for expansion or new projects. They are debt onuses issued by private and public corporations. Salient features of bonds are: Details contained in the indenture. Administered through a trustee. Secured versus unsecured. Mortgage/debentured Senior or junior or subordinated. Call features of the bond Bond rating. Example: Take a bond with three years to maturity, a coupon rate of 8%, and a $1000 face value. If the current market rate is 10%, what is the price of the bond? $80 $80 $1080 P = + + (1.10)1 + (1.10)2 + (1.10)3 P=$80(0.9091) +$80(0.8264) +$1080(0.7513) P=$950.24 Treasury Notes T-Notes are the safest forms of marketable investments and are termed between one to ten years with fixed interest rate and are backed full faith and credit by the government. Characteristics of T-Notes are as follows: 1-They are issued as promissory note at discount and the discount is calculated over the face value of the bond. 2-T-notes are short term and are generally issued to meet short term financial needs of the government. 3-T-notes are negotiable securities. 4- Issuing T-notes is cost friendly because transaction cost is very low. 5-They are investments with assured yields. (Amadeo, 2016) Mortgages: A debt security, secured by fixed asset such as real estate property in exchange of funds with the obligation to pay them back is call mortgage. Over the period of time, interest is paid that gets accumulated as per timeline of the mortgage. 1-The state rates on mortgage is determined by market rates, term of the mortgage and discount factors. 2-The legality of the mortgage is complex and usually protects the lender from losses. 3-Credit ratings play important role in mortgage securities 4-To free cash to be utilized in other projects, most of the mortgages are another investor by the originator. 5-With securitization of mortgages, risk is lowered and access to national capital is enhanced. Debentures Debenture is a loan instrument which is issued by the companies with the aim of generating long term funds. Issue of debentures help companies to avoid load on their existing share capital. Features of debentures: 1-It can be either category secured or unsecured. 2-No voting rights are given to debenture holders. 3-Debenture holders get paid with interest even in event of loss. 4-After a fixed period of time, debentures is redeemed. 5-Interest on debenture is tax deductible expense because they are charge against profit. (Trisha 2015) With analysis on interest bearing securities and their features, it is easy to analyze the impact of interest bearing securities on portfolio: Risk Free bonds increases value of the portfolio- Those bonds which comes with low risk factors and are immunized reduces the volatility and increases the value of portfolio. Credit risk associated with bonds- Indexed bonds are generally issued after the credit history check and then pitfalls in the validation of credit is negative onto entire portfolio. T-Notes offers stability along with good yield- T-notes comes with short maturity period but offers good value on money invested because of stability against market conditions. T-notes enhances portfolio value using features of negotiability- Bonds are negotiable and this adds to flexibility option for buy/sell. Thus, impact is better bond valuation. Mortgages offers long term financial assistance- Mortgages are long term assets and they offer firmness to the portfolio with the long term financial strategy of investing money in projects with lower payback period and higher NPV. Positive impact of free cash over other projects- In bonds, cash usually is free by changing the ownership from originator to other and thus, cash is used in other projects giving dual benefit of returns. Debentures are paid in case of loss even- Best in portfolio are debentures because they stay unaffected in all market conditions of downfall. Losses by the company do not affect return on debentures. Asset allocation The term asset allocation means diversification of investments over different ranges of assets and geographical reasons with the purpose of reducing the risk, increase the value and maximizing the potential for higher returns. Diversification is always beneficial because there may be situations where asset performance is not backed by current projects but secondary asset value may appreciate to maintain the overall rate of return required to continue the project or use the asset. In a nutshell, the up moving asset neutralizes the volatility caused by non-performing asset. Valuation In financial language, valuation is the process to determine the net present value of the asset. Going briefer on the topic, it is the process of determining the worth of the company or any project or asset. The market value of a company is generally calculated by multiplying number of shares in the market into current share price. The transaction is only concluded when buyer and seller agree on a deal price. Intrinsic value of the company creates an assumption on how l=much worth of the company will grow in future. (Vital, 2013) Duration Duration refers to the process of measuring the price volatility of the bond which is the effect of fluctuating interest rates. With the time period associated with the maturity of the bond, there are certain factors which needs presumptions: 1-All bonds are price sensitive and are affect by market rates. 2-The effectiveness of the bond is associated whether bond is short term or long term. 3-Zero coupon bonds are traded at deep rebate. 4-Duration only records small changes of market linked to bond price. Convexity Convexity refers to the process of capturing the relationship between the change in the market rates and price of the bond. This uneven change of market mechanism can also be carried away if bond issued are premium bonds. When the change in bond price is towards negative, it is generally effect of small market change and it will be more if bond price is positive in change. Immunization A portfolio is immunized when it is unaffected by interest rate changes. It is a technique of making the portfolio immune against the risk and uncertainty. Immunizations is strategized to ensure the good worth of portfolio with the amount of return by the investor. It formulates the cash flow basis to ensure better returns with low cost. Conclusion With critical analysis on managing portfolios, it is clear that results are fruitful only when calculative steps are taken in deciding the securities which are to be invested and other that need to be kept on hold. Portfolio management requires that securities invested must be variable in terms of return yield, risk associated and life span whether those financial instruments are short term or long term. The benefit of going with the diversity is that losses from one can be offset by other instruments of the portfolio and in totality, the goal of portfolio management is sure to be achieved. Recommendations In regard to portfolio management specifically with interest bearing securities, recommendations are as following: 1-Selection of the securities should not be only based on current market situations but historical performance should be considered for making better decisions. 2-Valuation and asset-allocation are beneficial for projects with high payback period and thus must be implemented on such projects. 3-Analysis of historical yield vs current yield can be result of currency fluctuations and investors should never be carried away with market hype. Instead, investors could do market analysis with their portfolio managers to ensure better value of money. 4- Few of interest bearing securities are rating based such as bonds and thus, rating should be should as one of the criteria of portfolio finalization. 5-Risk management is must for interest bearing securities because market fluctuations affect them in most prominent ways. References: Drago, H. (2014). Why Project Portfolio Management is more important than ever, Decision focus, accessed on 13 August 2016 https://www.decisionfocus.com/why-project-portfolio-management-is-more-important-than-ever-2 Trisha. (2015). Debentures: meaning, features, advantages, disadvantages, your library, accessed on 13 August 2016 https://www.yourarticlelibrary.com/financial-management/debentures-meaning-features-advantages-disadvantages/43834/ Basu,C.(2014), The Importance of a PMO in Portfolio Management,Chron, accessed on 13 August 2016, https://smallbusiness.chron.com/importance-pmo-portfolio-management-36411.html Lee, S. (2015). What is difference between money market and capital market, Quora, accessed on 13 August 2016 https://www.quora.com/What-is-difference-between-money-market-and-capital-market Amadeo, K. (2016). What Are Treasury Bills, Notes and Bonds, About money, accessed on 13 August 2016 https://useconomy.about.com/od/bondsfaq/f/Treasury_Bonds.htm Vital, A. (2013). How Startup Valuation Works Measuring a Companys Potential, FF, accessed on 13 August 2016 https://fundersandfounders.com/how-startup-valuation-works/

Coffee Vending Machine Different Places †Myassignmenthelp.Com

Question: Discuss About The Coffee Vending Machine Different Places Answer: Introducation Coffee is considered to be a beverage that refreshes the mind and is also loved by many. There are coffee vending machines that are set up in a number of different places to allow the users to enjoy coffee as and when they like. There are several options and choices that are offered by these machines that shall function correctly (Gulledge, 2002). Testing of the machine is an important aspect that shall be covered. The report covers the details on the business and IT goals that are associated with the scenario of the coffee vending machine (Seethamraju, 2012). Business and IT Goals The test scenarios that have been provided for the coffee vending machine focus on the various functional and non-functional aspects that are associated with it. The functionalities include the features of the machines in terms of the options and choices. The testing scenarios have been designed in order to ensure and validate that the machine functions correctly to offer best quality service to the customers (Henderson, 2004). The same applies to any of the business as it is important for the business processes to function in such a manner that the quality of services is maintained all throughout (Mallery, 2011). Apart from the functional aspects and requirements, there are various non-functional aspects and system qualities that are aimed to be fulfilled by the business and IT processes in terms of availability, reliability, performance, usability and likewise (Mohapatra and Patnaik, 2011). The same can be seen the test scenarios that have been listed for the coffee vending machine. It is necessary for a machine like this or a business or an IT process to be designed and implemented in such a manner that it offers the non-functional qualities as listed above. The continuity of the operations along with their validity is also extremely significant (Yang and Tamir, 2015) Stage 1 model Stage 2 model Stage 3 model References Gulledge, T. (2002). Business process management: public sector implications. Business Process Management Journal, 8(4), pp.364-376. Henderson, L. (2004). Encoding and decoding communication competencies in project management ? an exploratory study. International Journal of Project Management, 22(6), pp.469-476. Mallery, M. (2011). Project Management Portal (PMP) from the University of Washington Information Technology Wiki - https://wiki.cac.washington.edu/display/pmportal/Project+Management+Portal. Technical Services Quarterly, 28(3), pp.365-367. Mohapatra, S. and Patnaik, A. (2011). Sustainability in HRIS implementation through effective project management. International Journal of Project Organisation and Management, 3(1), p.78. Seethamraju, R. (2012). Business process management: a missing link in business education. Business Process Management Journal, 18(3), pp.532-547. Yang, Y. and Tamir, G. (2015). Offshore software project management: mapping project success factors. International Journal of Project Organisation and Management, 7(2), p.111.