Thursday, August 27, 2020

What is visual arts Assignment Example | Topics and Well Written Essays - 500 words

What is visual expressions - Assignment Example The paper What is visual expressions dissects the wonder of visual expressions. Pearls, cash, gold †exemplify the riches and vanity, regular delights of life. Scales in the woman’s hand is a semantic and geometrical way to deal with structure. Such scales could be found in each place of Nederland. Each region had its money and weight measures. So as to decide the estimation of coin, the dealers bit it to conserve. Scales were all the time connected with inner voice like flaring heart. â€Å"A gleaming blue fabric, open boxes, two strands of pearls, and a gold chain lie on the tough table. Delicate light comes in through the window and enlightens the scene. The lady is meditative to such an extent that the watcher nearly dithers to barge in on her calm snapshot of contemplation†. There is a major image of the Last Judgment, the one picture is in another image that is device regularly utilized by Vermeer. The scales are vacant, the gold is simply fixes of light. A la dy weighs neither pearls nor gold or her own deeds sitting tight for the Last Judgment. She is building up the harmony between the joys of life and the standards set by the Church. â€Å"Vermeer underlined this message through his magnificently refined structure and lighting. The hand holding the equalization, for instance, possesses a position straightforwardly before the frame’s dim corner, while the scales are set off against the exposed mortar wallâ€an impact that Vermeer made through inconspicuous spatial manipulation†. Dark Lines by Vasiliy Kandinsky is another ideal case of visual workmanship.

Saturday, August 22, 2020

Social Responsiblity free essay sample

Corporate social obligation is characterized in Chapter 5 as the corporate obligation to make riches by utilizing implies that dodge mischief to, ensure, or upgrade cultural resources. Did GE in the Welch period satisfy this obligation? Would it be able to have been improved? What would it be advisable for it to have done? Jack Welch made GE the most significant organization on the planet. He was depicted as â€Å"the generally significant and persuasive business pioneers of the twentieth Century† by some Wall Street examiner. In any case, Jack Welch as the CEO didn't satisfy the obligation of social duty. He didn't evade hurt or secure cultural resources. Under Welch’s authority the GE Company added to ecological harms in regions of the nation which made GE items. One moments is GE intensely dirtied the Hudson River with PCBs, one of the most harmful and tireless man-made substances that can cause malignancy in individuals. From 1947-1977 GE dumped upwards of 1. We will compose a custom exposition test on Social Responsiblity or then again any comparable point explicitly for you Don't WasteYour Time Recruit WRITER Just 13.90/page 3 million pounds of PCBs into the Hudson River. It has transformed 197-mile stretch of the stream into the nation’s superfund site. From that point forward there has been a battle for GE to tidy up the wreckage. In 1980 Congress passed the Superfund law which has made a duty on the concoction and oil enterprises and gave wide Federal position to react legitimately to discharges or compromised arrivals of dangerous substances that may imperil general wellbeing or the earth. GE has neglected to agree to this law. They are battling the advancement of tidy up plan with each apparatus it can purchase by campaigning congress, assaulting the Superfund law in court, and propelling a media bitz to spread disinformation about the helpfulness of cleanup, guaranteeing that digging the waterway would really work up PCBs which was bogus asserted by EPA and outside specialists. On the off chance that they don't tidy up the wreckage it could cost citizen $350 to 400 million dollars. This is demonstrating that GE isn't securing society and is really hurting individuals. When Welch was CEO he could have quite recently tidied up the wreckage and it would have lessens the wellbeing hazard it cased to individuals. Rather he decide to battle the tidy up process which cost him millions while he could have quite recently gone through to cash and tidied it up to keep away from hurt, and secure society. Another way he hurt, and didn't upgrade society is the quantity of individuals he laid off in the organization. With is five years of him assuming control more than 1 and 4 individuals would leave GE finance. The book states, association pioneers gauge that in his most recent 15 years GE wiped out 150,000 occupations in the United States through cutbacks, subcontracting, and out sourcing to outside nations. With the broad about of cutbacks and re-appropriating employments it harms the United States economy by expanding the joblessness rate and the American charge proportion. Welch has included the economy of re-appropriating which is forgetting about American’s with occupations here and incapable to secure positions. This isn't upgrading are society when the joblessness rate is expanding because of cutback workers and re-appropriating occupations over oceans. The main way Jack Welch satisfies its essential financial duty in settling charges. They paid 5. 7 billion dollars in charges in 2000. Assessments do help from various perspectives however. The assessments paid to state and neighborhood locales help pay for police and fire assurance. Government annual expenses help pay for barrier for the nation. They additionally pay for capital offices, for example, thruways and other transportation administrations and for help for the individuals who are poor or sick. Jack Welch accepted that he satisfied his social obligation by paying duties since how that helps society. He stated, â€Å"I think a company’s social obligation is above all else to winning since winning organizations are the main organizations that can give back. Winning organizations settle charges. † However, GE compelled urban areas, nations, and states to bring down assessments by taking steps to move activities somewhere else. This affected schools and the foundation by bringing down the spending plans. He has confidence in paying assessments is his social duty however will successfully bring down the charges which demonstrating his absence of social obligation and effectively lower cost to expand benefits. Paying duties is magnificent and everything except it isn't the main social obligation that an organization ought to have. Jack Welch ought to have been proactive in his tidied up the PCBs in the Hudson River, to help forestall the damage of the fish and the residents who live close and on this American water source. He ought to have considered the cutbacks and what impact redistributing had on the US economy. It would have been all the more socially capably to have searched for approaches to upgrade American work power through creative thoughts and joining forces with different organizations on the planet. With all due respect, he fulfilled the monetary duty of paying charges to elp society; he would have done anything in his capacity to bring down the assessments however. He could have accomplished more! 2. Does GE under Welch represent a smaller perspective on corporate social obligation closer to Friedman’s see that the main social duty is to expand benefits while complyin g with the law? Welch illustrates a restricted perspective on the corporate social duty closer to Friedman’s see. Jack Welch believed the main social obligation is to expand benefits while complying with the law. Welch said a â€Å"CEO’s essential social obligation is to guarantee the monetary accomplishment of the organization. It is tied in with hitting the numbers with Jack Welch. He did this by effectively bring down the expense and he conveyed the development figures that must be envisioned by lesser organizations. He improved the company’s advertise an incentive from twelve billion dollars in 1981 to roughly 280 billion dollars in 2001. He accomplished this by shutting, selling, or fixing fabricates inside GE, and by redistributing employments to cut expense in Mexico. Welch’s vision was that each GE business would be the main or number two rival in its industry. On the off chance that the business couldn't hit its numbers he would fix it, sell it, or close it down. He shut 73 plants, sold 232 organizations and dispensed with 132,000 laborers from GE finance all to build benefits. Another way he expanded benefits was re-appropriating employments. It cut expense by moving offices employments to Mexico’s low compensation work markets. Ed Fire, the union’s president, assessed that 66% of the 30,000 lost positions were basically moved to low-wage nations. He would locate the least wages, least advantage levels, and most narrow minded working conditions to help support income. GE has dispensed with extra employments in the United States by constraining its providers as while to move alongside it to Mexico. By this they have dispensed with an enormous number of employments in the US. This isn't ensuring society with professional stability. It is just helping the organization increment benefits which show that GE just accepts its social obligation is to build benefits and not help the general public. GE increased benefit by comply with the law. Anyway they are such a ground-breaking organization with an excessive amount of political force and normally the laws are written in support of them. This makes it simpler for them to comply with the laws since Welch utilized his persuasions to get decisions in GE’s favor. A case of Welch compelling forces is a legal dispute in 2004. For the situation, Judge S. R. Underhill decided for GE in an expense case including occasions that occurred from 1993-1998. The fundamental issue is whether an organization can morally abuse highlights of the assessment law. For this situation, GE moved 98 percent of the available salary to two non-available Dutch Banks, yet didn't move 98 percent of the advantages. Likewise, the GE charge process brought about completely deteriorated planes being devalued a subsequent tome. The courts controlled in support of him (Bierman). Jack Welch had a restricted forthcoming to corporate social duty. He sole idea that expansion benefits was it. He should this by saying the main great organization is a â€Å"winning† organization. . How all around did GE consent to the â€Å"General Principles of Corporate Social Responsibility† set out in the segment of the title in the section? The general standards expressed in the book are and how Jack Welch went along to the standards are: †¢ Partnerships are financial instincts run for benefit. This standard is about the best obligation is to give monetary advantages. Jack Welch masculine showed his organization to this rule alone. In this standard it accepts that they ought to be judged principally on monetary rules and can't be relied upon to meet absolutely social goals without budgetary motivating forces. All organizations must keep different groups of laws. This guideline incorporates obeying company laws and contracting arrangements, the common and criminal laws of countries and collections of guideline that ensure partners, and worldwide laws. GE obeys the laws and guidelines stowed proliferate them. In any case, the organization is excessively politically ground-breaking and guidelines are written for GE a few pundits state. †¢Corporations have an obligation to address the antagonistic social effect they cause. It expresses that they should attempt to disguise outer expense, or cost of creation borne by soci ety. GE has not satisfied its obligation with this guideline. GE in 1977, as expressed being referred to on, dumped 1. 3 million pounds of PCBs into the Hudson River which sway the general public around the territory and the fish in the waterway. The destructive poisons have been connected to malignant growth. GE has would not tidy up the chaos. They are battling the tidy up with each mean essential. They are doing whatever it takes not to assist society with the harm it has caused. It will likely at long last reason citizens cash to tidy up the chaos. †¢Managers should attempt to address genuine issues of partners. In t

Friday, August 21, 2020

15 Tips for Improving Bad Credit

15 Tips for Improving Bad Credit 15 Tips for Improving Bad Credit 15 Tips for Improving Bad CreditIf you have bad credit, or you know someone with bad credit, there’s no shame in it! The average American is given very little information about how their credit score works, so it isn’t surprising that many people have less than perfect credit. Unfortunately, that means your options for getting a loan will also be less than perfect, to put it mildly.That’s why it’s important to build your credit rating and we’ve got not one, not two, not three through fourteen, but fifteen tips for building your credit!1. Get a copy of your credit report.As we said, keeping up your credit score can be tough. So you definitely don’t want to suffer because of mistakes that other people made. Federal law requires the three major credit agencies to create a copy of your credit report that you can review. You can get that report through AnnualCreditReport.com, the only official government approved site for receiving your credit report. Check it for errors and c ontact the credit agencies if you need to dispute something. Don’t become the victim of someone else’s goof up.2. Make your payments on time!Is this obvious? Sure. But it’s also the most important way to maintain your credit score, so we couldn’t just leave it out! Howard Dvorkin (@HowardDvorkin), CPA and chairman of Debt.com, put it frankly: “There’s no secret to really improving your credit score. Since 65 percent of your score is determined by payment history and credit utilization (in English, how much available credit you’ve maxed out) all other tips are only going to help you in tiny blips. The first and best way to bulk up your credit score is to start making your payments on time.” Even just one late payment can affect your credit. And he’s not the only one who told us that! Greg Rable, CEO and founder of FactorTrust  (@FactorTrust), says, “It’s basic, but it’s critical to make loan payments on time. It demonstrates both the ability and willingness to pay your debts. This helps consumers get the credit they deserve and improve their credit scores based on their performance.” 3. Consider a secured credit card.Having bad credit can be a bit of a chicken and egg situation. A properly used credit card can be a good way to build your credit rating, but you need good credit to get approved for a credit card. A secured credit card might be the solution for you. You’ll have to put up some money as collateral, but it’s worth it to fix your credit. Once you have the card, you can buy all the chicken and eggs you can afford, as long as you make your payments on time.4. Dont put too much on that credit card.  OK, you know how we just said you should use your secured credit card to buy all the chicken and eggs you can afford? Well, we spoke too soon. Only use it for SOME of your chicken and eggs (and whatever else you’re buying….ketchup maybe?). Author and debt law expert Gerri Detweiler (@GerriDetweiler) sets the record straight: “If someone has low credit scores, the first thing I would tell them to look at is their balances on their revolving accounts such as credit cards. High balances mean high ‘debt usage,’ and that can affect their credit scores. It’s not the amount of the balances that matters as much as the balance in comparison to the credit limit. It’s generally a good idea to keep your balances below 20-25% of your available credit on each card. Also, keep in mind that most issuers report balances at the end of the billing cycle (when the amount you owe is calculated)â€"not after your payment is received.”5. Ask about credit reporting.  Wouldn’t it be nice to be rewarded for just doing the stuff you should be doing anyway? Well, in one narrow sense, you can be! You can try to have different service providers you pay bills to report your payments to the credit bureaus.It worked for Bradley Shaw (@ExpertBrad), a digital marketing expert at SEOExpertBrad.com. “Once I cleaned up my cre dit history, I started looking for ways to build it,” Shaw told us. “I did this by looking for credit lines that could have been included in my file, but weren’t. For example, I’ve had a cell phone in my name for 10 years, but those payments didn’t appear on my credit report. So I made a list of every company I paid monthly, contacted the companies, and asked them to report my payment history to the credit bureaus. Below are the types of companies that were willing to report on my behalf:Cell phone providerCable and internet providerUtility companyOf course, this only works if you’re making your payments on time, so once again make those payments on time6. Get a credit building installment loan.Taking out a personal installment loan that you can  afford to repay can actually improve your creditâ€"if that lender reports to the credit bureaus.These lenders will report your payments to the credit bureaus, so you can actually build your credit score and qualify for better ra tes the next time you need a loan. As long as you’re making your payments on time, that is. Have we been bringing that up too much? Maybe. But counterpoint: you have to make your payments on time.7.  Wait on larger purchases.Nationally recognized credit expert Jeanne Kelly (@Creditscoop) told us: “Having bad credit is expensive. Many times you need to focus on building a better credit score before committing to a large loan. Do your math, see how much the interest rate on a loan is costing you with different scores. See if it makes sense to purchase that new car, new home now or if it is wiser to take some time to work on building better credit.”8. Stay motivated!Paying super high-interest rates for a bad credit loan is not particularly fun, even if the lender is helping you build your credit. That’s why Kelly recommends you try to take that frustration and use it as an incentive to press on harder in your quest to build up your credit: “We know that we usually are not thi nking about our credit until we need it. So, sometimes we get stuck needing a new car loan with a lower score because we have no other option. If that is the case, then try to learn from that higher interest rate and work on focusing on your credit so you can maybe refinance that loan in a year. Don’t just take the higher rate and continue with poor credit habits, learn from it.” You can also learn more about setting and meeting financial goals in our OppU.9. Set up autopay and reminders.  Remember how important we said it was for you to make your payments on time? Well, one good way to do that is to set a reminder on your phone or similar device (a well-trained parrot, perhaps) to noisily let you know your bills are due. Even better, find out if you can set up an autopay system to automatically pay your bills on time. Or you could just read this article every day. Because this article has a lot of reminders about paying your bills on time.10. Pay off your debt!Do you have debts ? You’re going to want to pay those off as soon as you can. You probably know that. You’re a smart person. And if staying out of debt was easy, no one would be in it. But in the long run, you’ll be glad you got out of debt as soon as you could, and so will your credit report.11. Dont be afraid to ask for help!Paying off your debts and keeping up with your necessary payments can be difficult. No one likes asking friends or family for monetary help. But if they can help you build up your credit score now, you’ll be in a better position to help them down the line, if they ever need it. You’re better off asking for help sooner, when you have a bad credit score and manageable debt, then later, if things take a turn for the financial worse. You can learn more about fixing your credit in our blog The Journey to Turn Your Credit Around.12. Dont get sent to collections.  Look, we’ve already told you once or twice that it’s important to make your payments on time. But missing a payment entirely is even worse. That will lead to your balance being transferred to collections. And then things get bad. The collection agency will report your lack of payment to the credit bureaus and that will be a negative mark on your credit report. A negative mark that lasts for seven years. Yep. It’s like breaking a mirror over your credit report.12. Go for the soft credit checks!  Even applying for a loan can leave a negative impact on your credit score, if the lender performs what is known as a “hard credit check.” If you have to apply for a loan with bad credit, consider only applying to lenders who perform “soft credit checks.” These won’t impact your credit score, so you can find out if you qualify for the loan with less worries.14. Avoid payday lenders!  Theoretically, you can use payday loans in a responsible way. If you take out the loan and pay it back in full with all fees and interest in the very short payment time you’re allotted. But that’s a very risky prospect and if you don’t make that payment, you’ll be forced to pay to extend the loan. That’s a great way to get yourself trapped in a cycle of debt, and a cycle of debt is not a good look for your credit report.  15. Make your payments on time!  We’re serious!Its the best and easiest way to stay ahead of debt and keep your credit score moving in the right direction.Visit OppLoans on YouTube | Facebook | Twitter | LinkedINContributorsGerri Detweiler’s passion is helping individuals cut through credit confusion. She’s written five books, including the free ebook  Debt Collection Answers: How to Use Debt Collection Laws to Protect Your Rights, and her latest, Finance Your Own Business. Her articles have been widely syndicated and she’s been interviewed in over 3000 news stories. She serves as Head of Market Education for Nav, the first and only site that shows small business owners their free business and personal credit scores and tools for building strong busi ness credit.Howard S. Dvorkin  is a  two-time author, personal finance expert, community service champion and Chairman of Debt.com. As  one of the most highly regarded debt and credit expert in the United States and has played an instrumental role in drafting both State and Federal Legislation.  Howard’s latest book “Power Up: Taking Charge of Your Financial Destiny” provides consumers with the detailed tools that they need to live debt free and regain their financial freedom. Howard has appeared as a finance expert on CBS Nightly News, ABC World News Tonight, The Early Show, Fox News, and CNN.Jeanne Kelly  is an author, speaker, and coach who educates people  to help them achieve a higher credit score and  understand credit reporting. #HealthyCredit is her motto.  As the founder of The Kelly Group in 2000 and the author of The 90-Day Credit Challenge, Jeanne Kelly is a nationally recognized authority on credit consulting and credit score improvement.Greg Rable  brings more th an 20 years of strategic development, management, and technology experience to FactorTrust, along with extensive experience in electronic payment, online commerce, and communications. Since founding FactorTrust, Greg has overseen rapid growth in the US and expansion of our services to both the UK and Canada.Bradley Shaw  is a Digital Marketing specialist for businesses that want to see their Google search rankings surge. Based in Dallas, TX he has more than 20 years experience in Online Marketing. Currently, he is the President of SEO Expert Brad Inc.

Monday, May 25, 2020

My Life Span Development Class - 1372 Words

On March 10th, 2016, I decided to observe my younger brother, Nathan, who just turned 15 years old. I observed him while I was at home for spring break for my Life-Span Development class that I am taking at Dordt College. Before I observed my younger brother, I followed the proper procedure of asking for consent from his mother and having her sign a confidentiality statement. I had the pleasure of using my younger adolescent brother for this report and I was able observe him while he is in this adolescent stage of development. I completed this observation in my own home on a Thursday after my younger brother had come home from school. Nathan is a 15 year old male, when I came back from college on my Spring break vacation, I noticed that Nathan’s physical appearance had changed since the last time that I saw him. He is now much taller than I am and he eats more than I do. He is now going through physical changes as he is going through puberty, I think that he is maturing on time for his age and he seems to be doing fine with these changes. When Nathan first walked in the door after getting off the bus, he set his backpack and his coat down on the ground and walked to the fridge and made himself a large bowl of cheerios and milk. Nathan is starting to become much more independent than he once was, but being the youngest child, he is still fairly dependent on his parents. So far there has not been any tension with this new desire of independence. After that he went on hisShow MoreRelatedMy Life Span De velopment Class1108 Words   |  5 PagesOn February 17, 2016, our Life-Span Development class observed the physical, cognitive, and social development of Asher, a 5.5-month-old male. The observation was conducted at Dordt College in room CL2260 and the infant’s parent consented to participate in the live observation. Asher was quite sick and later saw a doctor, so the findings of this report may not entirely represent Asher’s development. Asher was 5 weeks along when his mother, Abby, found out she was pregnant. Asher is the third childRead MoreLife Span Development : Cognitive, Social, And Physical Development933 Words   |  4 PagesLife span developmental psychology takes a scientific approach to human growth and change, focusing on change during the life span. There are three main aspects to life span development: cognitive, social, and physical development. This class is not simply a discussion of nature vs. nurture, it explores the interaction between genetic and environmental factors that orient us towards specific behaviors. Initially, my views on life span development were limited to more sociological factors, and didRead MoreBiosocial Development And Biosocial Development1276 Words   |  6 Pages Introduction The purpose of this paper is to analyze the stages in development of someone that I know. Describing the continuous and discontinuous development that is occurring at various stages of their young and middle child life span. In each section of my paper I plan to include specific subsections on the biosocial, cognitive, and psychosocial development of my chosen subject. This chosen subject will be my eleven year old sister, Faith Elizabeth Lattimore. Faith is currently developingRead MorePiaget s Theory On Child Development920 Words   |  4 PagesChildren are not simply small adults who are still growing; they learn differently and experience the world in a variation of ways that opposes adult reasoning. Piaget’s theory on child development asserts that there are four stages of cognitive development: sensorimotor, preoperational, concrete operational, and formal operational. Piaget also suggested that human thinking is arranged into schemes, â€Å"organized mental patterns that represent behaviors and actions† (Feldman, 2015, p. 17). These schemesRead MoreThe Parent Education Class : A Voluntary Program For The Parents853 Words   |  4 PagesThe parent education class that I would create for first time parents would be a voluntary program for the parents. However if the parents do take the class they receive a certificate which allows them to receive a tax break each year. If the class is not taken, the parents get a considerably reduction to their child deductions. The class would be held at the hospitals that the parents expect to deliver, and will be offered once a week for two hours at either a day or night class. At each meeting thereRead MoreTheories About Human Developments Through A Life Span1742 Words   |  7 Pageshuman developments through a life span. Such has Erikson’s stage of Identity Vs. Identity confusion which is explained by how aging adolescents face deciding who they are, what they are all about, and where they are going in life. Identity is aided by psychosocial moratorium, its noted that society leaves adolescents free of responsibility, and allows them to try different identities throughout a lifespan. Another theory that Dr. Zeng taught and explained to us was the Ethic Identity development theoryRead MoreStudent Development And How Theory Has Evolved Over The Years.799 Words   |  4 PagesThe first two chapters of this book set the background for student development and how theory has evolved over the years. As time passed and college student demographics changed, new ideas and views were developed to understand the ever changing student body. Theorists realize d that the college experience was different between demographic groups. Being able to develop student affairs practices and activities that can reach the different student groups is probably the biggest challenge a student affairsRead MoreThe Process Of Human Development957 Words   |  4 PagesThe process of human development is assessed to multiple phases which carry its own distinct set of expectations in terms of emotional growth, psychological development, physical maturation, and social awareness. When breaking down the lifespan into stages such as, childhood, adulthood, and late adulthood; the breakdown seeks to bring unity to the life of human being, and ultimately help us to understand the development of a person. Some people argue that developmental process undergoes gradual changesRead MoreEssay on Late Adulthood1279 Words   |  6 Pagesanalyzing the importance of relationships and social interactions towards the end of a person’s life and identifying the cultur al and personal attitudes about death and dignity in late adulthood. The word ageism means anyone over 60.Ageism is a form of prejudice where people are categorized based on their age. There are more differences in development in late adulthood than in the other stages. At this point in life some people can do anything they set their mind to do, but others cannot even get out ofRead MorePersonal Statement On Driving The Web Design Revolution957 Words   |  4 PagesSTATEMENT OF PURPOSE: My Pursuit of Excellence We live in a time where computers have become an inevitable part of our lives. The need to understand technologies and their influence on mankind is the talk of the time. Millions are being invested to design and research ways to enhance the user experience. This is where I would like to see myself, driving the web design revolution. Coming from the computer science academic background and currently working in a multinational firm ‘Mindtree Ltd.’ as

Thursday, May 14, 2020

What Is Love - 1080 Words

One of the predominant themes in William Shakespeare’s play Twelfth Night is love. The notion of love is important to the plot as many of the characters are driven by love. There are multiple forms of love depicted throughout the play; each character represents a different type of love. Viola displays a patient, sincere, and enduring love for Orsion as well as a deep familial love for her brother. Sebastian and Antonio share a special bond which could be classified as brotherly love. These two bonds can be seen as the most real forms of love depicted in Twelfth Night. Orsino and Olivia have both become possessed by a deep and sudden romantic love. Also, unrequited love can be seen by Olivia and Orsino. These similarities are ironic because Orsino believes he is madly in love with Olivia, whom he has never met. Olivia falls in love with Viola (i.e., Cesario) upon their first acquaintance. Meanwhile, Viola is in love with Orsino. Each character is caught in the circle of love, however, once Viola’s true identity is revealed the characters quickly change their love interests. Lastly, Malvolio represents the egoistic and conceited side of love. He loves himself and those who he can benefit from. Shakespeare combines love with humour showing the audience how love causes people act foolishly. Although each aspect of love has been greatly exaggerated in this comedy, enduring love, familial love, unrequited love, and self-love remain present in today’s society. The relationshipsShow MoreRelatedWhat Is Love? What It Is?1527 Words   |  7 PagesWhat is Love? When asked the question â€Å"What is Love?† what are some of the first things that come to mind? Some people might say it is an emotion that we experience when we interact with the world around us. People can have love for many things such as money and other material possessions, family and friends, even the world around them. These are just a few examples of how we often use love in our lives. However, love is not only confined to our lives, it is also a very important emotion in religionsRead MoreWhat Is Love?1020 Words   |  5 Pages250 Tu/Thu 10/5/10 What is Love? Love is one of the most difficult words to define. I challenge you to try. You can even go the easy way and simply Google the word â€Å"love†. What you will find is not one but hundreds of definitions along with countless books, movies, and songs all having to do with love. The reason why it is so hard to define love is because there are different forms/stages of love and there are so many things that love can consist of. Also, love can have a different definitionRead MoreWhat is love?872 Words   |  3 PagesLove and passion is the burning sensation that drives humans to lead their lives into new horizons: following the heart hoping it will guide the way. Janie, the lead character in the book, Their Eyes Were Watching God, written by Zora Neale Hurston, is suppressed by family, and two different husband too, only to find pain and sorrow by not following her heart until she is freed by a man who loves her deeply with only one thing on his mind, to protect and love her like nobody else before. ThroughRead MoreWhat is Love?559 Words   |  2 Pagesdictionary love is a feeling of strong affection for a person. (Merriam-Webster) In my opinion, love is a conjunction of different feelings altogether, when a person is in love they feel happy, sad, excited, and scared everything at the same time. What I am trying to say is that for me there is not real definition for love because nobody can really explain the mix of feelings that happened when one is in love. According to one of Latterell’s assumptions love conquers all, she says that, â€Å"true love willRead MoreWhat Is Love?1409 Words   |  6 Pageswaiting for his response. â€Å"I’m looking at love realistically this time around, instead of through the eyes of romantic delirium.† Julian scoffed. â€Å"You can’t fool me. Save your breath.† David was finding it harder to keep his cool. â€Å"I don’t even know the girl with whom I’m supposed to be in love. The whole thing was kind of an illusion, at least the romantic part. Cecilia was Daniel’s girl.† â€Å"That didn’t bother you this past summer—you were head over heels in love.† â€Å"Yeah, with a girl astral projectingRead MoreWhat is Love?589 Words   |  2 PagesWhat is â€Å"Love†? Love can be defined as different things. Love can be the love between brother and sister, sibling love, like Ender and Val. Love can also be the love between a boyfriend and girlfriend or a husband and wife, like Val and her husband, which the book doesn’t really talk much about, or Novinha and Libo. In strange cases, the love you should have for a girlfriend or wife but you feel that way for your sister, like Miro and Ouanda. Love is one of the weirdest feeling ever and is somethingRead MoreWhat Is Love Essay796 Words   |  4 PagesMonday Oct. 19th What is Love? According to Webster’s dictionary the word love is described as a strong, positive emotion of regard and affection. But in society today it seems as if we throw the word love around in such a loose manner it really has lost its meaning. Ranging from â€Å"I love Coach purses†, to actually telling a person â€Å"I love you† is now a common thing. Throughout this essay I’ll be taking a philosophical approach to help give a better understanding of what love is according to theRead MoreWhat Is Freedom For Love? Essay746 Words   |  3 PagesWhat is Freedom to Love? Some would say that freedom to love is, having no limitations or boundaries. To see everyone equally. Many would say that freedom to love is, to give ones life for another. I agree with both statements but I would go further to say that freedom to love is not only an act or a response but it is a lifestyle. Something that defines you. Something that make you, who you are. As proud Americans, this month we celebrate the freedom that we have in this country and theRead MoreWhat is Love? Essay1558 Words   |  7 PagesWhat is Love? Romantic Love Is love chemical? Love cant be just pheromones, surely body chemistry changes. Although, perhaps that is why people break up after a while. Maybe they were attracted to each other at one point, but then the pheromones they were giving off change and the other person is no longer attracted to them. What is attraction based on? What attracts one person to another? People have said they have fallen in love before meeting in person, thanks to the InternetRead MoreWhat is Love? Essay571 Words   |  3 PagesWhat is Love? Love, love, love, we hear it every day, every where , it is used so often that we don’t really give it a thought. The question that needs to be answered is what really is love? Was love created so that hate can be suppressed? Is love something that both man and woman hope for when their world comes crashing down on them? Does love help relief pain and suffering felt by victims of natural disasters? Aphrodite, Venus, Cupid, and Eros were well know as the gods of love and sex by

Wednesday, May 6, 2020

Vaccines Choosing What Goes Into Your Veins - 1823 Words

Do you remember going or taking your child to the pediatrician office for booster shots? Do you remember getting a flu shot or chicken pox shot? Do you remember how sore your arm felt? How nervous, you felt? Scared, even? Were you one of the few who got sick after getting a shot? Did you expect to be immune to getting the flu after going for the shot, but still got the flu anyway? Were you one of the few who suffered severe complications because of the misinformation spread by the CDC , Center for Disease Control? What if you were told you didnt need some of those shots you were forced to take? Did you know its against your rights to be forced to get a vaccine? Before we talk about vaccination, you should know how vaccines work.†¦show more content†¦How can you expect someone to be required to receive a shot every flu season that only 60%? Isnt that a failing grade? In a case that a vaccine only works 60% of the time shouldnt we have a choice to not receive that vaccine? And if we choose not to, should we lose our jobs for it? No. This is a human rights issue. It sounds like that hospital had a deal with vaccination companies to receive â€Å"funding† if they required their employees to get the shot. Scholars a the Harvard School of Public health developed a Public Health- Human Rights Impact Assessment Instrument to evaluate possible human right violations that occur when governments take action in the name of public health that limit individual right. They argue that such actions must be takes as a last resort and must only occur when they meet follow specific, stringent human rights conditions. Now, if we apply these eight core human right principles as they apply to the mandatory vaccination policies in the United States, there are major problems. With the first rule since mandatory vaccination represents a restriction of a right the UN charter would require a thick review of any public health policy. The second rule questions whether the current measures by the government are excessive. The thirdShow MoreRelated An Industry on the Brink: Consumers Need to Wake Up and Smell the Genetically Modified Coffee2649 Words   |  11 Pagesto believe that there would be any. The prospect of inserting a foreign gene into an organism and then consuming the organism, foreign gene and all, may sound less than appetizing to some. In fact, it’s really not much different from what people do everyday at mealtime. Every living organism is made up of cells and each of these cells contains every gene that is used to make up the organism. This is something that scientists have known for years. The genes of other organisms, cornRead MoreNclex Studyguide Pn7137 Words   |  29 PagesDO NOT delegate what you can EAT! E - evaluate A - assess T - teach addisons= down, down down up down cushings= up up up down up addisons= hyponatremia, hypotension, decreased blood vol, hyperkalemia, hypoglycemia cushings= hypernatremia, hypertension, incrased blood vol, hypokalemia, hyperglycemia No Pee, no K (do not give potassium without adequate urine output) EleVate Veins; dAngle Arteries for better perfusion A= appearance (color all pink, pink and blue, blue [pale]) P= pulse (100, 100,Read MoreSubstance Abuse15082 Words   |  61 PagesWHAT IS MEANT BY DRUG DEPENDENCY? Drug dependence is a situation where an addict feels he/she must have drugs in order to live; this is the term to describe psychological dependence. Physical dependence occurs when the body metabolism adapts to the presence of the drugs, when the drug is removed strong withdrawal symptoms are produced. This withdrawal syndrome is experienced as sickness, stomach upset and muscular pain. Hallucinations and convulsions may also occur. EXPLAIN WHY ALCOHOL IS ARead More_x000C_Introduction to Statistics and Data Analysis355457 Words   |  1422 PagesExploration and Analysis of Data, by Roxy Peck and Jay Devore, may be a more appropriate choice. Except for the treatment of probability and the omission of the Graphing Calculator Explorations, it parallels the material in this text. Please contact your sales rep for more information about this alternative and other alternative customized options available to you. New to This Edition There are a number of changes in the Third Edition, including the following: ââ€"   ââ€"   ââ€"   ââ€"   ââ€"   ââ€"   MoreRead MoreDeveloping Management Skills404131 Words   |  1617 Pagessolution for courses in Principles of Management, Human Resources, Strategy, and Organizational Behavior that helps you actively study and prepare material for class. Chapter-by-chapter activities, including built-in pretests and posttests, focus on what you need to learn and to review in order to succeed. Visit www.mymanagementlab.com to learn more. DEVELOPING MANAGEMENT SKILLS EIGHTH EDITION David A. Whetten BRIGHAM YOUNG UNIVERSITY Kim S. Cameron UNIVERSITY OF MICHIGAN PrenticeRead MoreSexually Transmitted Diseases35655 Words   |  143 Pagesg. a noble gas or atomic gas like neon), elemental molecules made from one type of atom (e.g. oxygen), or compound molecules made from a variety of atoms (e.g. carbon dioxide). A gas mixture would contain a variety of pure gases much like the air. What distinguishes a gas from liquids and solids is the vast separation of the individual gas particles. This separation usually makes a colorless gas invisible to the human observer. 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In the end, the fundamental question is: what future for the Ministry? ââ€"  ââ€"  ââ€"  In 1991, 28-year-old James Palumbo invested  £225,000 (≈a340,000) of his own capital into a new dance club located in an old South London bus depot. As an old Etonian (the UK’s most elitist private school), a graduateRead MoreOne Significant Change That Has Occurred in the World Between 1900 and 2005. Explain the Impact This Change Has Made on Our Lives and Why It Is an Important Change.163893 Words   |  656 Pagesthe Contributors †¢ 343 _ IN TR OD UC TIO N Michael Adas B y any of the customary measures we deploy to demarcate historical epochs, the twentieth century does not appear to be a very coherent unit. The beginnings and ends of what we choose to call centuries are almost invariably years of little significance. But there is little agreement over when the twentieth century c.e. arrived, and there were several points both before the year 2000 (the collapse of the Soviet Union

Tuesday, May 5, 2020

Marketing And Its Impacts On Supply Chain - Myassignmenthelp.Com

Question: Discuss about the Marketing And Its Impacts On Supply Chain. Answer: Introduction The report focuses on the various concepts of marketing by analyzing the business organisation named LOreal within the cosmetic industry. The report will demonstrate the operating environment as well as develop useful marketing strategies for enhancing the marketing processes efficiency and consider the external and internal factors that can contribute to the marketing efficiency. To analyse the organisation and its operating environment, various aspects will be covered including the business organisations mission statement while the 5C approach will be used to determine the customers, collaborator, competitors and the entire organizational extent. By obtaining relevant information from this, it will be easy to conduct market researches and understand the threats that may be posed by the competitors (Loreal.com.au 2018). This will also help in setting up various functions and develop marketing strategies for targeting specific market segments, enhance the value proposition and positi on the products properly in the market too. Issue 1 LOreal, Australia is one of the leading company in beauty within the cosmetic industry that provides the best quality cosmetic products and beauty services to the customers not only in Australia and but to customers all over the world. The company belongs from the cosmetic industry and the mission statement of the company is to share beauty with all through delivery of the best quality beauty products that can keep the customers satisfied and at the same time keep them beautiful with progressing age and healthy skin. The mission statement of the company is to enable cosmetic innovation for all. The beauty brand has been committed to excellence in the beauty products and services and contributed largely to the beauty and healthy skin of the individuals by allowing them to express their positive attitudes, behaviours, personalities and even gained self confidence (Bresler and Lubbe 2014). According to the company, beauty is a common language and so to ensure proper value statement, the organisation has provided the best cosmetics innovation from the perspectives of quality, safety, health and effectiveness. The slogan used for advertising purposes is Because you're worth it. The company follows the vision of fulfilling the diversity of beauty needs and even drew inspiration from many women to go beyond limitations and invested on the development of new products for becoming successful in the future. Beauty is a commitment, as stated by the organisation in its values and beliefs, which has enriched the beauty of people and created universalisation through promotion of new beauty products for each and everyone in different market segments of Australia (Kotler et al. 2014). The company to enhance the rband awareness and make people more centered on the products and services delivered by LOreal follows the marketing strategies. This would not only influence the buying behaviors of the consumers but could also result in high level of customer satisfaction. The marketing strategies followed by the company are distribution, promotions, managing corporate social responsibilities and extending the brand through internationalization. To stay ahead in the competition, the company has enhanced the distribution network by providing incentives and delivering more products and services to the retailers, distributors and keep those products in stock (Shen and Bissell 2013). To enhance brand promotions, LOreal has also provided complimentary lip guide after making purchases on a particular amount of money. Celebrity endorsements were done as well for ensuring that the products and services gain more exposure in the different market segments and influence the buying b ehaviours of the consumers. The company has supported campaign for safe cosmetics usage to enhance the confidence of customers to buy the products and maintain global business sustainability too. Marketing strategies also included advertising and promotions to promote innovation of products and even delivered products according to the needs of customers in the different market segments. Global advertisements spending has increased as well to enter the mass markets and keep the customers informed about the new products and services delivered by the organisation (Hitt, Ireland and Hoskisson 2012). To manage the corporate social responsibilities properly, LOreal, Australia has conducted researches to spend the fellowships for purchasing the various equipments and machineries. The company also handled the child care costs and travel costs to maintain consistency all throughout the research activities. Issue 2 The 5Cs of marketing is used by LOreal to conduct analysis of the various areas that are related to the marketing activities managed by the organisation. The 5Cs marketing has been effective for the organisation to create a well defined marketing plan and follow proper guidelines to make the best decisions and improve the profit and this allowed for gaining competitive advantage within the competitive cosmetic industry in Australia. The five major components of the model are customers, company, competition, collaborators and organisational context (Berthon et al. 2012). Company The offerings of the organisation, brand image and identity, culture, goals and objectives are considered as the major components of the first aspect of the 5Cs marketing analysis. The organisations strengths and major resources used by the company along with the weaknesses could be the other essential aspects required for the management of marketing activities with ease and effectiveness. The major strength of the company is its ability to conduct researches and promoting innovation by focusing on the beauty and thereby ensuring that the company offers the best quality cosmetic products to the consumers. Due to high level of dedication to the research, the company has been one of the leading cosmetic industry despite the huge competition in the market (Solomon 2014). The company also specializes in dermatological and pharmaceutical areas to focus on the development of new products and services and maintain quality in terms of the products and services offered. The weaknesses of the company are decentralized organizational structure, multiple sub divisions of the company and lower profit margin than the other cosmetics company. This problem has arisen due to the immense investments and costs incurred while managing the advertising and promotional activities. The scopes and opportunities of LOreal are immense because the company delivers its products and services to women of all ages. The company can further focus on hair styling, color, skin care products and perfume products too. Being one of the leading cosmetic company in Australia, the company also can target mass market by expanding globally. LOreal has also taken the benefits of having a good market share and with multiple patents registered by the company, it has become easy for managing the licensing activities and ensured global expansion (Morgan, Katsikeas and Vorhies 2012). One of the major threats could be the high competition level and economic downturn as well. The products and services are of good quality, tough sometimes, the customers might think that those had not been inclined with their basic needs and thus could skip buying. The company was trying to focus on hair care products though it failed miserably due to the products offered by Clairol, which is a leading hair care brand (Kim et al. 2012). Customers The company is serving the customers and managing the corporate social responsibilities properly to make sure that it not only benefits the customers but also contributing largely to the community. It is important for LOreal to understand the behaviors and lifestyles of the customers to influence their buying behaviours (Mintz and Currim 2013). The customers mainly want something unique from the company that can keep them beautiful or long time and at the same time, maintain healthy skin and hair. LOreal has offered products to every customer segments, from young to adults for ensuring that the products could enter new market segments easily and increase the customer base. The behaviours of customers are dependent upon the sales promotion done by the company, prices set, distribution and diversification of the products too (Nagasawa and Kizu 2012). Collaborators The distributors of Loreal include Giorgio Armani, Cacharel, Diesel, Lancome, Kiehls, Clarisonic, etc. The products division for the consumers are Loreal Paris, Essie, Maybeline, Magic, etc. There are no such suppliers because the company produces its own products and made conscious choices and decisions to reduce the environmental footprint. One of the major objective of the company is to archive sustainability, which has been possible by working in partnership with Good360 to provide support to the poor people. By managing partnership, the company contributed to the excellence by providing more than $1 billion worth of products to the Australians who were vulnerable to some kind of harm or suffered from poverty. Rather than using the supplies, the organisation promoted sustainable approaches through use of renewable energy, reduced the water wastage and even manage the reengineering package for using less plastic materials. There are few suppliers though who have been verified as s ustainable suppliers (Kizu and Nagasawa 2012). Competitors The major competitors of Loreal are Clairol, The Estee Lauder Companies Inc, Chanel, Estee Lauder, etc. The competition level is high and so it has posed serious threat for the company to sustain in the marketplace. Akin, Lanolips, Sodashi, The Jojoba company are new entrants in the market which can also give stiff competition to LOreal. Context The organizational context means the various factors that have impacted the business performance like the political, legal, technological, social and economic factors. The impact of EU law has restricted the production of various products consisting of chemicals like Phthalates. LOreal follows the obligations to deliver the best quality products that are safe and healthy and do not contain any harmful chemicals. The European Parliament and the Council of the European Uniontocreatebanonanimaltestingproductsapprovedseventh Amendment cosmetics directive (Osterwalder et al. 2014). The economic downturn was a major issue for LOreal, though the program of Young Women in science fellowship resulted in higher sales when compared to the last years profit. With the higher living standards, the consumers are focusing more on the brand image and demands for quality and convenience related to the cosmetic and skin care products has increased. With the advancement in technology, LOreal has conduct ed research and development activities and even registered more than 500 patents considering the cosmetics and dermatology fields (ter Heide and Gontarz 2017). The quality of products and services has alsoimprovedwiththeuseofnewmachineriesandequipments, furthermore promoted innovation too. Issue 3 The customers of Australia are more focused on quality regardless of the prices that have been set for the productsandservicesprovidedbytheorganisation.The customers want something that cannot only fulfill their demands and preferencesbutwillalsoinfluencetheirbehaviours to make purchases consistently (Loreal.com.au 2018).The competitors that posed serious threats for the company were Revlon, Garnier, Lakme,Yardleyand Chamber. The context of business has changed due to the political, economic, social and technological factors that have created an impact on the business functioning. With the immense scopes brought through globalization, the consideration of political factors like fulfilling the Government obligations, managing the import policies and managing the rate of interest and exchange have contributed positively to the organisation. The rates of exchange could affect the way LOreal had been functioning and so according to the GDP rate, the prices should be set properly to keep up pace with the changing business environment. The cust9mers in Australia are less concerned about the prices of products, rather they are more conscious about the quality of products and services (Yoo, Donthu and Lee 2014). Therefore, in order to meet up to their expectations the company offered new product line including anti ageing cream and hair care products too. By collaborating with Good360, the products that remained unsold had been delivered to various charities and this supported the people suffering from poverty. The poor people were also provided with personal care goods, blankets and clothing s that they could live a good and healthy life in the future. LOreal, Australia is the silver sponsor of White Ribbon and it is managed to make sure that any sort of violence is prevented against the women (Loreal.com.au 2018). Initially, L'Oreal was focused in selling its products to the countries like United States, and Japan as the market in these countries was very much open for foreign trade. However, the current scenario and the concept of globalization has urged LOreal to spread its business to the different countries like Australia, Russia, Asia, Eastern Europe, and Africa, which are the promising players of the market and their rising economies are likely to be even higher globally in the future. Australia is one of the flourishing and thriving target markets for Australia due to its high economics and consumer segmentation position. The main reason why L'Oreal would benefit from trading in the Australian continent is due to the culture of the people in the Australian continent. The population is not only advanced but they are willing to pay whatever it takes to lead a cheerful and healthy lifestyle. Not only the Australian women but also men are much obsessed about their living lifestyles, in term s of attractive looks and presentation. L'Oreal would be more successful in Australia due to the anti aging cream, which has been launched in recently launched. Main reason following this is that anti aging cream would spike a growth in market of the country. However, with rise in the number of competitors emerging with this category of product in the market, it has become necessary for the company to keep a strong foothold on the anti aging cream segment (West, Ford and Ibrahim 2015). L'Oreal is facing a great challenge from other major competitors in the cosmetics industry but it is still prevailing at the top of the list because of its strategies in the marketing mix (products, promotion and pricing according to the place (Hollensen 2015). The people of the Australia can afford to purchase first-class products. Therefore, it can be considered that the value proposition of L'Oreal in Australia would be much promising than some of the other countries where the people are not much interested in the premium products. L'Oreal is very cautious in the selection of the price tag for all the products. L'Oreal deals its price band for products in a range of moderate to low price, depending on the country and the assortment of the product and the quality. Thus, with reference to the value proposition of LOreal, the pricing structure has been kept in congruence to the quality of the products that L'Oreal delivers and would be delivering to its patrons (Osterwalder et al. 20 14). L'Oreal has extended its reach in more than 130 countries and is constantly looking for its expansion. L'Oreal possesses around 23 global brands, which would make it a versatile company for all consumers. The flagship of the company has reached around 25.83 billion in the year of 2016 and ever expanding in its net profit every year. Generation such profits in the existing competition is a certain positioning statement for the company. However, based on the target market, LOreal can certainly generate more revenue with respect to the response from the target market, the wide product assortments in correspondence to the brands product quality and excellence (Goetsch and Davis 2014). A detailed 4P marketing mix strategy is used for identifying the products, prices, places and promotions done by LOreal. Products There are many brands offered by Loreal and few of the major products of the company are Loreal Lux products including the Kiehl, Lancome, Ralph Lauren, Giorgio Armani, etc. The consumer product division consist of LOreal Paris, Maybeline New York, Garnier, Sampoo and the active cosmetic divisions include Vichy, Sanoflore, etc. From the marketing strategy illustrated in the above section , a new anti aging cream is also introduced to influence the buying behaviours and allow the company to generate more revenue, furthermore gain an increase in the market share too (Loreal.com.au 2018). Price LOreal, being one of the major cosmetics brands has distributed the consumer product division brands in the retail channels for making those available easily for the customers. It will attract the mass market and the prices of the products are also reasonable. The products are available online too, because of which, the customers can even pay premium prices because of the good quality. To penetrate new market segments with different price levels, the company has continuously innovated and kept prices of products reasonable (Morgan, Katsikeas and Vorhies 2012). Place The products are available on the online shopping websites and with its huge distribution networks, the shops are present in more than 130 countries. The products and service are available at retail shops, supermarkets and at kirana stores for attracting more customers by targeting the mass market (Huang and Sarigll 2014). Promotion Celebrity endorsements are common for LOreal and popular celebrities promoted the brand like Jennifer Lopez, Naomi Watts, Aishwariya Rai Bachhan, Katrina Kaif to create awareness among the customers, Promotions have been done through digital advertisements and the word of mouth marketing promotions strategy has also aid of for the company to generate enough revenue in business. Social media involvement has also improved the efficiency of promotional activities (Bresler and Lubbe 2014). References Berthon, P.R., Pitt, L.F., Plangger, K. and Shapiro, D., 2012. Marketing meets Web 2.0, social media, and creative consumers: Implications for international marketing strategy.Business horizons,55(3), pp.261-271. Bresler, M. and Lubbe, I., 2014. Marketing management. Chan, H.K., He, H. and Wang, W.Y., 2012. Green marketing and its impact on supply chain management in industrial markets.Industrial Marketing Management,41(4), pp.557-562. Goetsch, D.L. and Davis, S.B., 2014.Quality management for organizational excellence. Upper Saddle River, NJ: pearson. Hitt, M.A., Ireland, R.D. and Hoskisson, R.E., 2012.Strategic management cases: competitiveness and globalization. Cengage Learning. Hollensen, S., 2015.Marketing management: A relationship approach. Pearson Education. Huang, R. and Sarigll, E., 2014. How brand awareness relates to market outcome, brand equity, and the marketing mix. In Fashion Branding and Consumer Behaviors (pp. 113-132). Springer New York. Kim, K.H., Jeon, B.J., Jung, H.S., Lu, W. and Jones, J., 2012. Effective employment brand equity through sustainable competitive advantage, marketing strategy, and corporate image.Journal of Business Research,65(11), pp.1612-1617. Kizu, Y. and Nagasawa, S.Y., 2012. Creating the New Brand Equity through EcoDesign of Cosmetics. InDesign for Innovative Value Towards a Sustainable Society(pp. 463-467). Springer, Dordrecht. Kotler, P., Keller, K.L., Ancarani, F. and Costabile, M., 2014.Marketing management 14/e. Pearson. Loreal.com.au. (2018). L'Oral Australia, world leader in beauty - LOral Group. [online] Available at: https://www.loreal.com.au/ [Accessed 21 Jan. 2018]. Mintz, O. and Currim, I.S., 2013. What drives managerial use of marketing and financial metrics and does metric use affect performance of marketing-mix activities?. Journal of Marketing, 77(2), pp.17-40. Morgan, N.A., Katsikeas, C.S. and Vorhies, D.W., 2012. Export marketing strategy implementation, export marketing capabilities, and export venture performance.Journal of the Academy of Marketing Science,40(2), pp.271-289. Nagasawa, S.Y. and Kizu, Y., 2012. Green action as a luxury strategy in the field of cosmetics.Waseda Business and Economics Studies Departmental Bulletin Paper,48, pp.1-17. Osterwalder, A., Pigneur, Y., Bernarda, G. and Smith, A., 2014.Value proposition design: How to create products and services customers want. John Wiley Sons. Shen, B. and Bissell, K., 2013. Social media, social me: A content analysis of beauty companies use of facebook in marketing and branding.Journal of Promotion Management,19(5), pp.629-651. Solomon, M.R., 2014.Consumer behavior: Buying, having, and being(Vol. 10). Upper Saddle River, NJ: Prentice Hall. ter Heide, M. and Gontarz, K.M., 2017. A brand positioning strategy recommendation for an Asian cosmetics giant. West, D.C., Ford, J. and Ibrahim, E., 2015.Strategic marketing: creating competitive advantage. Oxford University Press, USA. Yoo, B., Donthu, N. and Lee, S., 2014. An examination of selected marketing mix elements and brand equity.Journal of the academy of marketing science,28(2), pp.195-211.

Monday, April 6, 2020

Jesus in the Gospel

Introduction Jesus was the famous human being who lived in this universe. Many Christians confront the question of whether he was actually a real person or not. In my opinion, I suppose that there is a possibility of Christians loosing Jesus because Jesus is blight on the tainted history that they have.Advertising We will write a custom essay sample on Jesus in the Gospel specifically for you for only $16.05 $11/page Learn More Jesus emphasized on sin that was original and the notion that someone else could pay for the sins of another person. Although Jesus had no external beauty that could make people desire Him, His personality drew people closer to him because he had a great character. Jesus was faultless and via studying the type of a person that he was, we are able to shape our lives to be like Him. One of the features that we observe via the limited accounts of Jesus that we have is that Jesus was concerned about other people’s needs. Beside s, He noticed the needs of others before the people in need could ask for His help and He was ever prepared to assist regardless of whether He was tired or not. Therefore, this essay will examine the type of a person that Jesus was. The obedient nature of Jesus The most imperative quality that Jesus demonstrated was obedience to the Father who was in heaven. This obedience was because of the love for God and for humankind. Jesus demonstrated obedience in all His daily missions including the day that John the Baptist baptized Him. When Jesus discussed with John the Baptist about His baptism, John hesitated. This was because John knew that baptism was for remission of sins yet Jesus life was sinless. Nevertheless, Jesus explained to John the Baptist that baptism was Gods commandment and he ought to respect it. Although it was not necessary for John the Baptist to baptize Jesus, Jesus decided to be exceptional and obeyed all the commandments even the commandments that were for the peop le who were wrong. For instance, In the book of Mathew chapter three verse thirteen to fifteen (Mathew 3: 13-15), Jesus went to river Jordan to be baptized by John but John tried to make Jesus change His mind by telling Him that he was the one to be baptized by Him and not the other way round. Nonetheless, Jesus told John to let it be that way because that was God’s expectation (O’Day Peterson, 2008). According to Mark chapter one verse nine (Mark 1: 9), Jesus was baptized by John in river Jordan after he arrived from Nazareth which was in Galilee. Besides, in the book of Luke chapter three verse twenty one (Luke 3:21), Jesus was baptized after everyone was baptized (O’Day Peterson, 2008). This further portrayed the obedience of Jesus because He did not segregate himself but followed the law, which required that people received the sacrament of baptism.Advertising Looking for essay on religion theology? Let's see if we can help you! Get your first paper with 15% OFF Learn More Satan, who tried to lead Jesus into sin, successfully ending His mission before it even began, tested the extent of Jesus’ obedience after His baptism. Without victory, Satan ridiculed Jesus to turn stones into bread because Jesus was hungry. Besides, Satan attempted to convince Him to jump from the top of the temple and authorize the angels to save Him to prove that he was the son of God. Finally, Satan offered to give Jesus supremacy and magnificence if He worshiped Him instead of God. On the contrary, Jesus refused Satan’s request and commanded him to depart because no rewards or honors could wave Jesus form his principle. For example, in the book of Mathew chapter four verse one to eleven (Mathew 4: 1-11), Jesus told Satan that human beings could not leave by bread alone but by every word that came from the mouth of God. This imply that Jesus obeyed the word of God and did not value earthly materials. Additionally, Jesus told Satan that He should not put the Lord into test because God deserved worship, respect and not challenge. Finally, Jesus told Satan to worship God alone and serve Him (O’Day Peterson, 2008). According to the book of Luke chapter four verse one to thirteen (Luke 4:1-13), Jesus did not fall into the temptation of Satan because He obeyed God so much that he could not accept the request of Satan. As a result, He told Satan that He ought to obey God and serve Him. Jesus as compassionate In the gospel, some parents brought their children to Jesus when it was late and Jesus was tired. As a result, the apostles of Jesus ordered the parents to go away but Jesus asked His disciples to allow the children to be with Him despite the fact that He was exhausted. This was because Jesus wanted the children to have some time with him so that He could teach them how to be good Christians because it was easier for children to learn and understand when they were still young. Additionally, throughout th e ministry of Jesus, He conversed about children and cautioned people to take care of them spiritually and physically. For instance, in the book of Mathew chapter nineteen verse thirteen to fifteen (Mathew 19: 13-15), Jesus told His disciples to let the children be with him because heavenly kingdom belonged to children like them and as a consequence, He blessed them and went away (O’Day Peterson, 2008). Besides, in the book of Mark chapter ten verse thirteen to sixteen (Mark 10:13-16), Jesus told His disciples who were trying to chase the children away that whoever did not receive Gods kingdom like the little children will not enter in to it (O’Day Peterson, 2008). Finally, Jesus love for the children is also found in Luke chapter eighteen verse fifteen to sixteen ( Luke 18: 15-16) where Jesus stopped his disciples from chasing the children away.Advertising We will write a custom essay sample on Jesus in the Gospel specifically for you for only $16.05 $11/page Learn More Jesus grieved when King Herod’s servants beheaded John the Baptist. As a result, he went to a lonely place but his followers went after Him. Although Jesus was grieving, he became compassionate and healed the sick. Eventually, Jesus’ disciples wanted to chase the people away because food was unavailable but Jesus fed them through a miracle before they left. It was after everyone’s problem received attention that Jesus went in a lonely place to pray. Additionally, In the book of Mathew chapter, fourteen verse thirteen to twenty four (Mathew 14:13-24), Jesus fed people with five loaves of bread and two fish yet the disciples wanted to chase them away. This show that Jesus had love and concern about other people (O’Day Peterson, 2008). Additionally, in the book of mark chapter six verse fourteen to forty four (Mark 6:14-44), Jesus taught both the people who were following Him and the disciples yet He was grieving. This por tray that Jesus always put other people before Him and therefore, He had selfless love for human beings (O’Day Peterson, 2008). Finally, Jesus set an example of Love because he did not turn away the people who required Him in His greatest time of sadness. Additionally, Jesus had a nature that was compassionate because He healed the sick, fed the hungry and preached to everyone. For instance, in the book of Mathew chapter five verse one to eleven (Mathew 5:1-11), Jesus preached about happiness because love prevail through happiness. Moreover, He preached that happy people were those who had a desire of doing what God wanted because God would satisfy their needs. This mean that people should love one another because love is the greatest commandment and that is the reason why Jesus loved humankind and urged people to love each other (O’Day Peterson, 2008). Furthermore, in the book of John chapter nine verse one to twelve (John 9:1-12), Jesus healed a man who was born bl ind. Although the disciples of Jesus were trying to blame other people for the man’s blindness, Jesus did not side up with them because He believed that the man’s blindness had no connection with someone else and as a result, he healed the man. The miracle show that Jesus love for humankind was genuine and he did not try to find any excuse for whatever he did if it was for the benefit of other people (O’Day Peterson, 2008). Finally, in the book of John chapter six verse one to fourteen (John 6:1-14), Jesus created sufficient food to feed the hungry people and this portray His love and concern because He did not want the people to go away on empty stomachs.Advertising Looking for essay on religion theology? Let's see if we can help you! Get your first paper with 15% OFF Learn More Furthermore, in the gospel of John chapter two verse one to eleven (John 2:1-11), Jesus changed water in to wine and all the people drank with happiness. This further show Jesus loves for humankind because He wanted every person at the wedding to be happy regardless of the situation that wanted to pave way for sadness (O’Day Peterson, 2008). Intimate nature of Jesus Jesus demonstrated intimacy with both His followers and God (O’Day Peterson, 2008). To begin with, He spent a lot of time with people teaching them and helping them to focus on the kingdom of God. For example, in the book of Mathew chapter five verse forty three to forty eight (Mathew 5: 43-48), Jesus told the people to love their enemies and pray for them so that they could become the children of their Father in heaven. Additionally, in the book of mark chapter four verse one to twenty (Mark 4: 1-20), Jesus preached to the people about the parable of the planter and urged them to focus on the kingdom of God by being like the seeds planted in the good soil because those people heard the word of God, accepted it and produced good fruits. Finally, in the book of Luke chapter twelve verse thirty two to thirty four (Luke 12: 32-34), Jesus urged the people to keep their treasures in heaven because their hearts would always be where their treasure was. On the other hand, Jesus was also intimate to His Father in Heaven because He always prayed to him, listened to him, obeyed Him and was concerned about God’s reputation (O’Day Peterson, 2008). For example, in the book of Mathew chapter twenty one verse twelve to seventeen (Mathew 21: 12-17), Jesus drove people away from the temple because they were buying and selling. This show that Jesus knew His father was not happy with what was happening in the temple because the temple was a place of worship and not a business place (O’Day Peterson, 2008). Additionally, in the book of Mark chapter fourteen verse thirty two to for ty one (Mark 14: 32-41), Jesus went to the garden of Gethsemane where He prayed. This show that Jesus trusted that God could take the cup of suffering away from Him. Finally, Jesus was intimate with God because he accepted Gods wish of dying for the sins of men and taking all their pains. For instance, He went to Gethsemane garden where He experienced the pain of sin because He took the sins of all the people who lived or were to live in this universe (O’Day Peterson, 2008). This was so painful but because of His intimacy with God and humankind, He accepted to go through it and as a result, God sent His angels to sustain Him. Jesus as God John’s gospel attempts to demonstrate that Jesus was God. Certain verses of the book of John indicate that Jesus resided in heaven before coming to earth and He eventually went back to heaven where he was before. For example in John chapter one verse one to seventeen (John 1:1-17), it is written that in the beginning there was a word and the word was God and it was a source of light. Besides, God sent John to inform people about the light (O’Day Peterson, 2008). This verse show that Jesus was God and he existed since the time of creation. Finally, the resurrection of Jesus clearly provides evidence that Jesus went back to heaven where He existed before (John 20: 1-7). On the other hand, if Jesus was the Messiah, His earthly experience could be different from other people. Therefore, our capability to identify with His temptations and righteous life is under a compromise. As a result, the notion that Jesus was God is not consistent. For example, in the book of John chapter eleven verse twenty eight to thirty seven (John 11: 28-37), Jesus wept when He heard that Lazarus was dead (O’Day Peterson, 2008). This show that Jesus was human and that was the reason why He cried because grieving is a normal human response to death. Additionally, In John chapter four verse one to twenty (John 4: 1-20), Jesus asked the Samaritan woman for a cup of water. This portray the human nature of Jesus because just like any other person, he felt thirsty and for that reason, He asked for a cup of water to drink (O’Day Peterson, 2008). On the contrary, Jesus was Lord because of a variety of incidences. To begin with, in the gospel of John chapter five verse one to fifteen (John 5:1-15), Jesus healed a man who had been sick for thirty eight years and this show that Jesus was God because He had power to heal. Additionally, Jesus performed so many miracles that show He was God and not Human. For example, He walked on top of the water (John 6: 16-20), He healed a blind man (John 9: 1-12), He brought Lazarus to life (John 11: 38-44) and He appeared to Mary, His disciples and Thomas after His resurrection (John 20: 1-29). The gospel of John vividly demonstrates that Jesus was the son of God. Besides, it is clearly stated in the book of John chapter twenty verse thirty one (John 20: 31) that the g ospel was written so that people could believe that Jesus was the messiah and the son of God and people had life because of the faith in Him. Therefore, the suffering of Jesus was for the glory so that people could believe and have faith in Him because he was truly the son of God. Finally, there are many signs in the book of John that portray Jesus as God. For example, in the miracle where Jesus healed the son of the royal official of Capernaum (John 4:43-54), Jesus rebuked the man because he was seeking miracle and He told the people that unless they saw miracles, they would never believe. Jesus anticipated that people would comprehend that the miracles demonstrated His close relationship with the father (O’Day Peterson, 2008). Additionally, Jesus’ intimate relationship with God was also stunning when Jesus healed a man crippled for thirty eight years at the pool of Bethzatha (John 5:1-21). Since Jesus healed the man on the Sabbath day, Jews started to prosecute Him but Jesus told them to relate that miracle with the relationship that he had with God. For instance, Jesus said that His father always worked and he too had to work (John5:17). Additionally, He told them that the Son could not do anything on His own and He only did what the father did (John 5:19). Furthermore, when Jesus raised Lazarus from death (John 11:1-44), He declared himself as resurrection and life (O’Day Peterson, 2008). From that declaration, Mary affirmed that Jesus was truly the son of God and she replied to Jesus that she believed that He was the Messiah and the Son of God who was to come in the universe (John 11:27). Finally, after Jesus fed five thousand people (John 6: 1-14), He rebuked the people who had wrong motives towards Him (O’Day Peterson, 2008). For instance, He told the people that they were looking for Him because they ate and had all that they wanted and not because they understood the miracle (John 6: 26). Jesus as the Greatest and the hi ghest According to the gospel of John, Jesus was the most powerful person and had authority from His father in heaven. For instance, when Jesus raised Lazarus, His power and authority from God was evident through His prayer. Besides, in the book of John chapter eleven verse forty one to forty two (John 11:41-42), Jesus told his father in heaven that He knew He always listened to Him, but He was saying that for those people who were present so that they could believe that He was sent by the Father (O’Day Peterson, 2008). This shows that Jesus had authority from God and He was close to His Father because His Father granted His request. Besides, Jesus had a habit of listening and honoring Gods voice because He heard his heavenly Father and His Heavenly Father heard him too (O’Day Peterson, 2008). Additionally, John portrays Jesus as a living word in the way He preached and accomplished His mission in the world (O’Day Peterson, 2008). For instance, in the book of John chapter three, Jesus lectured Nicodemus about being born again and in John chapter four He explained to the Samaritan woman the importance of worship and the coming of the Holy Spirit. Beside, in John chapter five, He disclosed about the significance of the Sabbath and in John chapter six, He elaborated about His being the heavenly bread. From the above chapters, it is evident that Jesus attached importance to the word that He preached as well as the word of God (O’Day Peterson, 2008). In the Gospel of John, Jesus knew the heart of every person and for that reason, He knew who to trust and who not to put His trust on. For example, in the book of John chapter two verse twenty three to twenty five (John 2:23-25), Jesus was in Jerusalem where the Passover festival was held and many people believed in Him because of the miracles that He had been performing. On the contrary, Jesus did not trust them because He knew them and He did not require any person to tell Him about th em because He knew what was in their hearts (O’Day Peterson, 2008). This shows that Jesus had power from God to know that which mortal men could know. Conclusion In conclusion, Jesus is perceived as God who is the Greatest and highest. Besides, He is obedient, compassionate and intimate. As a result, we should emulate the example of Jesus if we want to enter in to the kingdom of God. To begin with, Jesus is God because He existed during the creation time, He came to earth and went back to heaven after the resurrection and He is with God waiting to come back again to judge people (O’Day Peterson, 2008). Besides, Jesus is the highest because through Him God achieved His purpose for humankind and people were able to receive salvation. Additionally, Jesus is obedient because He obeyed Gods commandments while He was on this earth and He accepted to die for the sins of man. Moreover, Jesus is compassionate because He loved both the children and other people because he prea ched the good news to them and he gave them His blessings. Finally, Jesus is intimate because He spent most of His time preaching and urging people to turn away from sins. Additionally, He is intimate with God because He always prayed to Him while asking for His guidance and protection. Reference O’Day, G., Peterson, D. (2008). The Access Bible: A resource for Beginning Bible Students, New Revised Standard Version with Apocrypha. New York: Oxford University Press. This essay on Jesus in the Gospel was written and submitted by user Gustavo Russo to help you with your own studies. You are free to use it for research and reference purposes in order to write your own paper; however, you must cite it accordingly. You can donate your paper here.

Sunday, March 8, 2020

Critical Incident Case Study Analysis Social Work Essay Essays

Critical Incident Case Study Analysis Social Work Essay Essays Critical Incident Case Study Analysis Social Work Essay Paper Critical Incident Case Study Analysis Social Work Essay Paper Hence and Boyd-Franklin ( 2005 ) , and Fuller ( 1995 ) discourse the significance of being cognizant of our ain civilization, and each civilization has restrictions. As an international school psychologist, I was really cognizant of the cultural differences during our Sessionss which made me experience like an foreigner. The client in this instance was a female white American. She seemed to be categorized profoundly within her ethnicity, and she appeared to bask being white. In working with her, I believe that it seemed to be to a great extent associated with how she distinguished and reacted to racial stimulation. Therefore, the race-related world of Whites symbolizes major unsimilarities in how she viewed the universe ( Sue A ; Sue 2007 ) . The client was non at easiness in the beginning, and she noticed my speech pattern and realized that I am non an American professional ; she kept inquiring the what are you? and the where are you from? inquiries, which I believed now how rude and insensitive this inquiries were. I felt that she was judging me, and it was ill-defined what she was seeking to advert with those inquiries. I believe that she is one of the people who think that it was all right to size up and question people with dissimilar speech patterns. This diffident thought is certainly non to do the single feel unwanted or insulted when inquiring about their ethnicity ( Sue and Sue, chap.18 ) , Harmonizing to my ain readings and what I congregated from the readings through this category, my client showed her ain privilege ( Sue A ; Sue, fellow. 11 ) . It was clear for my client to detect that I am from another state, particularly after our undermentioned Sessionss and appeared to see school psychologist pupils in general as unqualified people who wanted merely to pattern their accomplishments. While I was reading the Parker and Schwartz ( 2002 ) article, I assumed how did White come to be the bulk and the oppressor? surely, I agree that, in the United States, white is the foremost community that has become more pale into the statistical unit beside the other ethnicities that are classified as minority classs. Through my small experience on the practicum at this school, I besides noticed some unusual things go oning at this school ; I did non detect that it was favoritism until now. In this school, all the school staff and pupils were Whites and there was an ignorance of the civilization strengths and the school staff blames the pupils and their parents for their job ; this reminded me of cultural sightlessness bureaus. I did non detect all the clip working in this school any other different ethnicities besides white Americans. In this phase, the school works with pupils as they are all the same, disregarding their alone demands and cultural differences ( Sue A ; Sue 2007 ) Goal: the end of this difference would be to do an equal relationship, free from any racism. Racism found to be apparent in all facets of white community in our day-to-day lives ( such as in telecasting, wireless, and educational stuffs, etc. ) ( Sue A ; Sue 2007 ) My client is a white American and I should be cognizant of her ain racial background and the continuity of racism in the United States merely by being white ( Parker A ; Schwartz ) . As was discussed in McGoldrick lineations ( 2005 ) Ethnocultural factors are frequently the concealed dimension in household therapy with white ethnics, and researching them may be a cardinal constituent of successful intervention. Make a curative resonance will be the chief end of this scenario. Course of action: After working with this client, I would join forces with her with regard to find her feelings in working with a healer who is from a different civilization as hers. I would besides work on her confidentiality since there is a clear feeling of misgiving which is a reaction to being discriminated against and abhor for the dominant communities in an about planetary anti-White presentation and feeling ( Sue A ; Sue, p.200 ) . As a professional, I should cognize the presence of misgiving and work to acquire my client s trust. My client is white American ; I should be cognizant that white privilege is unseeable ( McIntosh, 1988 ) to her I was unwelcome. It will really effectual to cut down the anxiousness and the disquieted feelings of the client and the school psychologist as good in this scenario. Rationale: My principle for taking this end and class of action was to turn to the unsimilarities that exist between the school psychologist and the client in order to understand and cut down the relationship of dominant and minority. Collaborating with my client in the hereafter will concentrate on her outstanding issues in order to acquire her more involved and trust the school psychologist. I would besides learn my client some curative techniques in order to assist her comprehend and increase her feelings of trust and comfort. Language Strong emotions such as choler, unhappiness, and defensiveness were displayed when speaking about experiences of race, civilization, and other socio demographic variables ( McIntosh, chap.1 ) . These feelings may better or contradict a full significance to grok the worldviews of culturally varied clients. As professional, working with a multicultural population, I need to cognize that I am different and how to cover with it in an appropriate manner. In this instance survey, I worked with a client who is from a diverse civilization and that leads to hold some difficult times to understand each other in the beginning, particularly in footings of the linguistic communication, oculus contact, and sometimes body linguistic communication. The client in this instance is an American English talker utilizing high Standard English and stressing verbal communicating ( Sue A ; Sue, fellow. 6 ) . The client was speaking usually, but with attending that she was non satisfied. She sometimes talked really fast. As a school psychologist, English is my 3rd linguistic communication and as most of non English foremost linguistic communication talker, I have an speech pattern. Sometimes my speech pattern may sound familiar, but normally most people mentioned that it is understood and has a Gallic spirit, which most of people likes. From clip to clip, I feel uncomfortable if my client misunderstood me. I think that was because of my speech pattern and she did non used to speak with aliens she is holding problems to understand me ; as Sue and Sue stated ( 2007, Chap. 21 ) Communication due to linguistic communication troubles as I stated above, my client may sometimes speak fast and utilize some slang statements that I could non grok. We were holding a job to link and associate up together, but the chief job was to be unable to work with her kid that made me experience really abashed and sometimes unfruitful. In this instance, I feel really down and sometimes I could non manage state of affairss . I know that I have a productive background, but linguistic communication issues make me really upset. It made me experience absolutely unwelcomed in my client s community and this state, particularly with these sorts of clients who do non like me to work with their kids, merely because they do non swear international people. This thought of the lower status of me in add-on to the belief that my client has the power to enforce her criterions upon my civilization was besides presented ( Sue A ; Sue, fellow. 4 ) . These besides made experience both astound and shocked, particularly when I experienced such things straight in this instance. Communication is an appealing portion of communicative interaction ; it is an instrument that helps the healers to grok their clients and provides him or her needful services. ( Sue A ; Sue, chap.6 ) In our field, we need to be able to interchange communicating in appropriate manner for both verbal and gestural messages. Coding and decrypting messages from others is the key to understand both the linguistic communication and the message that is transmitted through the usage of the linguistic communication. Goal: as a end to decide this scenario is to be familiar with American civilization and speak English absolutely, and besides be familiar with their slangs and have self assurance that I am seeking to make good. American talkers if they attempt to talk Arabic for an illustration they will hold an speech pattern every bit good. Through working with this client, I will discourse the linguistic communication particularly the accent barrier openly with her ; I bet that this may be good. Course of action: I think it is really critical to speak with the clients in the initial interview before get downing any appraisal. Informed her that I am an international school psychologist and they may non to the full understand my speech pattern. I will allow her cognize that I am unfastened to reply her inquiries and repetition if it needed. Discoursing the foreign linguistic communication speech patterns and refer that is normal to hold an speech pattern within another linguistic communication learned every bit good. I once more felt the biting assurance to better English with the purpose of being a more effectual and diverse professional. Rational: My principle for taking this end and class of action was to speak about the speech pattern issues that may assist me loosen up and work comfortably. Educating the client that her child s instance is traveling to be confidential and no 1 will cognize about it in the town. It may take to disregard other issues like linguistic communication, I will besides inquire my client to inquire for elucidations if the she did non understand me and the job will be resolved. Decision After analysing this instance survey, I recognized how important it is to be sensitive of our cultural difference in order to be competent and sensitive to other civilizations. This experience helped me to grok how dissimilar we are as people and how this affect the interpersonal communications. This will assist me be to be cognizant and work on myself to be more an effectual and successful professional in the hereafter.

Friday, February 21, 2020

A Catastrophe Housing Crisis Essay Example | Topics and Well Written Essays - 750 words

A Catastrophe Housing Crisis - Essay Example The astonishing part about this is that amidst this crippling crisis, no one truly has an astute understanding of how a simple subprime mortgage flap has caused so much life-changing damage. This holds particularly true for the embattled homeowner, who was bombarded with highly technical instruments without being duly informed of its potentially damaging ramifications. My uncle was one of those gravely affected by the mortgage crisis. He was always an upstanding, responsible guy, and a few years ago he proudly announced that he had taken out a mortgage for a nice new property, the culmination of all his hard work and efforts. Some in our family were particularly wary as to how he got the home loan, as he gone through a rough financial patch some years back. He proudly stated that the bank was very "kind" to him, and had worked out a "special" deal for him so he could buy his house. I distinctly remember having a conversation with him where he was really hyped about this newfangled instrument called a subprime loan. He boasted about how the bank gave him a really low interest rate for the first year, and that succeeding years would depend on how the prime rate would hold up. I asked him how sure it would hold up, and that it wouldn't skyrocket. He said he was assured by the banker he was talking to that it was the perfect time to take out a loan be cause the market was very stable and wasn't going anywhere in the next couple of years.When the prime rate went through the roof, the increase in my uncle's monthly amortization became exponential. He simply could not keep up with the payments , he was only earning so much to support himself and my three cousins. As the bills piled up, he had no choice but to let go of his dream home. The bank is starting foreclosure proceedings on his home, and I often catch him staring blankly into space. When prodded with what went wrong, all he could tell me was "They never told me it would turn out this way".Quite frankly, they never expected that it would turn out this way either. An article in the New York Times (2008) argues that "your confusion is shared by many people who are right in the middle of the crisis. (p.14.) Even top analysts and brokers are lost amidst the extreme complexity of the instruments used. Now, if even the experts do not grasp the crisis fully, what more for the ordina ry homeownerWe have to understand that we are dealing with an issue that ran so deep that once the bubble burst, everyone from the bottom up was hit hard. Its ramifications were far-reaching, extending far beyond domestic shores. According to Dattels and Antonshin, (2008), "Over the next few years losses are expected to reach the $900 billion mark, and banks and financial institutions everywhere are scrambling just to keep their head above their water". (p.9)So who could blame my uncle for not knowing what hit him, when the experts themselves were completely lost as well. Could he be completely blamed for his seeming ignorance, when everyone else was in the same boat.