Bursting the Bubble free essay sample

An examination of asset pricing and the phenomenon of Bubbles. This paper details an asset pricing phenomena that is known as Bubbles. The writer of the paper provides a history of Bubbles with several detailed examples of past Bubble events. In addition the writer uses the Wall Street Journal as a backdrop to discuss a recent Bubble occurrence. We have witnessed them for many years. The bubbles that cause unbelievable price soaring for reason that nobody seems able to explain and then as suddenly as they started they stop. When they stop they can come crashing to the ground in a heap, as is often the case. Real estate, companies, and industries are subject to the asset pricing phenomena called bubbles and anyone who gets in on the bottom and then sells before it bursts stands to make a financial killing. Unfortunately those who hang on to long or dont think to jump in when it starts lose all the way around. We will write a custom essay sample on Bursting the Bubble or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page

Factors influence an individuals self-concept The WritePass Journal

Factors influence an individuals self-conceptï » ¿ Abstract Factors influence an individuals self-conceptï » ¿ AbstractSelf-concept and factors of influence Outline of factors that can influence the development of an individual’s self concept Description of the factors that can influence the development of an individual’s self-concept ConclusionReferences Related Abstract Self-concept is usually defined, in a generic sense, as the set of images, thoughts and feelings that an individual has of himself/herself. Most authors interpret self-concept as a series of attitudes towards the self, globally integrated by three factors: cognitive, behavioral and affective. Self-concept includes assessments of all parameters that are relevant to an individual’s development: from physical appearance to social and intellectual capacities. This essay will look at some factors that influence the development of an individual’s self-concept: age, gender, education, media and culture. Self-concept and factors of influence Robert B. Burns (1979) interprets self-concept as a conceptualization that the individual made of her/his own self, being elaborated by powerful emotional and evaluative connotations. Moreover, the subjective beliefs and factual knowledge that the individual attributes to himself/herself are highly personal and intense, varying thereby in degrees to its unique identity. With regard to self-esteem, Burns describe it as the process by which the individual examines his actions, skills and attributes compared to criteria and values that are internalized from society and significant others. However, self-esteem and self-concept are usually considered as interchangeable notions (Byrne, 1996; Harter, 1999). In general terms, it can be distinguished three main characteristic of an individual’s self concept (Bracken, 1996): It is not innate: The individual’s self concept is constantly being formed by experience. Moreover, it also depends on the symbolic language. It is an organized whole: The individual tend to ignore perceived variables that are not adjusted to his/her conceptual whole, conforming thereby his/her own hierarchy of assessments. It is dynamic: It can be modified by a reinterpretation of the own personality or external judgments. Self-concept includes all the parameters that are considered relevant by an individual: from physical appearance to sexual capacities, social and intellectual abilities, age, media, culture, appliance, education, gender, income, environment, etc. Outline of factors that can influence the development of an individual’s self concept As a dynamic attribute, an individual’s self concept is characterized by being in a constant feedback (positive or negative) with the social environment, in which the opinions and assessments of the persons we establish intimate relations with (family, couple, friends), are determinant factors. From the various factors that influence an individual’s self-concept, the focus will be directed towards the following: Age: Self-concept changes during the individual’s life span, being its maximum peak of permeability from seven to twelve years old. It then begins to be formed during childhood and starts to decrease at adolescence. Gender: Although it exists considerable studies about gender differences in self-concept, it seems that there are no conclusive results regarding this issue. Overall, the study of gender differences in self-concept in adolescence has generated considerable interest in recent decades. Despite the fact that the results of these studies are varied, most of them conclude that there are clear gender differences in self-concept, so that girls, particularly after the age of twelve, tend to have worse self-concept than boys. Thus, according to research, age acts as a moderating variable of the differences between girls and boys (Orenstein, 1995). Education: Education is a vital feature for interpersonal development. Academic achievements in the school as well as parental guiding and social interaction, are factors conforming the individual’s self-concept. Media: In contemporary society, the media is a vital factor of influence in the development of individual’s self-concept. Perhaps the most relevant of its effects is on the conception of the body image. In this respect, advertising and marketing has been producing and reproducing a dissociation between ‘ideal body image’ and ‘real body image’. Such dissociation might have pathological effects on individuals (i.e; from eating disorders to anxiety and depression). Culture: Majority of the studies focus on the divergence between Western culture, characterized by a more dependent auto-conception of the self, and Asian culture, in which interdependence stands as the fundamental factor in the development of self-concept. Description of the factors that can influence the development of an individual’s self-concept AGE The definition of oneself from 5-6 to 7-8 years provides an ability to discriminate between different domains of experience. Between 7-8 years and 11-12, there are significant changes in regard to intellectual abilities and social environment, having remarkable implications for both self-concept and self-esteem. During this range of age, children have the ability to compare themselves to others, but the information extracted from such comparisons is just in service of self-evaluation (Byrne, 1996). At the end of childhood, there is an increase in the permeability to social values, so the prototypes of each culture become another valuable source of comparison, which, in most cases, contribute to the discrepancy between the ‘real self’ and ‘ideal self’ (Harter, 1999). GENDER According to current research, age acts as a moderating variable of the differences in girls and boys. In this respect, there are empirical evidence showing that girls have a positive perception of themselves during primary education and yet around twelve, it is produced a decrease in self-confidence and acceptance of body image (Orenstein, 1995). The role of women in society may be among the factors behind this decline in female self-esteem. Thus, the observation of what happens in their surroundings, take the girls to infer that their social role is secondary to that played by men. By contrast, Crain (1996) insists that it is indispensable to remember that the gap between boys and girls about the different facets of self-concept is not exceedingly large, and thus such theories have a limited clinical and educational significance. Girls and boys are more alike than different, and the divergence between male and female are fairly consistent with gender stereotypes. EDUCATION Fundamentally within the field of Educational Psychology, there has been a constant preoccupation regarding the links between self-concept and academic performance. However, there is a lack of evidence indicating the precise nature of the relationship between both variables (Marsh and Seeshing, 1997). What it is clear about the role of education in the development of an individual’s self-concept is that it not only intervenes the relationship teacher-pupil, but also the rest of professionals within the educational system. Importantly, since education does not end in the school, family is key for a positive development of self-concept. MEDIA The media has been played a fundamental role in how individuals perceive themselves. Importantly, marketing and advertising have been contributed to a general attitude of compulsive consumption as well as to the creation of an ideal body image as a way to personal and professional success. Such strong pressure from the media about unattainable aesthetic models has as its immediate result an increase of personal dissatisfaction along with a rise in metal pathologies, such as depression, anxiety or eating disorders (Cash, 2011). However, research shows that subjects with a positive self-concept are less vulnerable to the influence of the media than those with a lower self-esteem CULTURE Majority of research on cultural differences in self-concept is focused on the comparison between Asian and Western culture. The former, collectivistic and vertical societies (high power distance), report higher belief in cognitive-behavioral consistency, share more belief related to dependent affiliation, but also agree more with belief related to achievement, self-direction and distinctiveness motivation (Smith and Bond, 1998). By contrast, subjects from Western culture, vertical individualistic societies, report higher agreement with need for uniqueness and higher level of behavioral flexibility. Some authors state that such characteristics of individuals from Western culture are due to a higher importance of positive self-representation (Worchel et al, 1998) Conclusion An individual’s self-concept undergoes notable changes during development, evolving from a structure in which diverse dominions of experience are distinguished to another stage in which the fundamental aspects are integration and high-level abstractions. In summary, the development of the self-concept during the life span of an individual is subjected to multiple factors of influence. References Ashmore, R., y Jussim, L. (1997). Self and identity. Fundamental issues. New York: Oxford University. Bracken, B. (1996). Handbook of self-concept. New York: John Wiley y Sons. Burns, R. B. (1979). The self-concept: Theory, measurement, development and behavior. New York: Logman. Byrne, B. M. (1996). Measuring self-concept across the life span: Issues and instrumentation. Washington, DC: American Psychologist Association. Cash, T. F. (Ed.). (2011). Body image: A handbook of science, practice and prevention. New York: The Guilford Press. Crain, M. (1996). The influence of age, race and gender on child and adolescent self-concept. In B. A. Bracken (Ed.), Handbook of self-concept. (pp. 395-420). New York: Wiley. Harter, S. (1999). The construction of the self: A developmental perspective. New York: The Guilford Press. Marsh, H. W., Seeshing, A. (1997). Causal effects of academic self-concept on academic achievement: Structural equation of longitudinal data. Journal of Educational Psychology, 86, 439-456. Orenstein, P. (1995). School girls: Young women, self-esteem and the confidence gap. New York: Anchor. Smith, P. B. Bond, M. H. (1998). Social Psychology across cultures (2nd ed.). London: Prentice Hall Europe. Worchel, S. Morales, J.F., Pez, D. Deschamps, J-C. (1998). Social identity. International perspectives. London: Sage.

Role of securitization and structured finance products in the recent Essay

Role of securitization and structured finance products in the recent banking and financial crisis - Essay Example The paper describes the role of securitization and structured finance products in the recent banking and financial crisis. Financial institutions cater to the needs of different types of customers by providing relevant financial services. Financial institutions worldwide have been affected by the adverse market environment created by the US sub prime fiasco. Trouble began when the financial companies started relying too much on the innovation in the blind faith that it will yield returns. As it is common knowledge that banking industry has suffered the most due to the current meltdown, the symptoms of the malaise started emerging in the US mortgage business first. The cracks appeared in the banking system. Housing prices, according to Financial World started falling in the year 2005. Initial symptom appeared in the market for sub prime residential mortgage-supported securities as investment demand shrank in 2006. In February 2007, auctions to finalise rates on ARS instruments failed because of decreasing investor demand. Cracks in financial market became wide open in June 2007 with the failure to meet the lenders’ call on Collateralised Debt Obligations by two Bear Stearns hedge funds for subprime loans. ... After a reset period of two years, interest rates went higher as Fed interest rates also touched a high level, on which sub prime mortgage interests were based. Housing prices started declining sharply after the boom period. A wave of repossessions was behind this trend. Banks started taking precautionary measures, cutting back on credit to cover risks to their investments. Being forced to dry up the whole sale bond market and their balance sheets from the adverse affects, banks started shrinking their portfolio. The Pension Funds suffered the severe losses being the prime purchasers of sub prime mortgage bonds. As the banks have hidden their holdings of sub prime mortgages in off-balance sheet instruments such as â€Å"structured investment vehicles† or SIV’s, they were reluctant to bear the losses. 2. What caused the crisis? The US financial system was under observation, as reported for planning its restructuring and strengthening control but still there is no clarity on what regulatory policy change has been enforced even till June 2009. Limits on mixing of the investment with commercial banking within the financial market were put off by getting away with the Glass-Steagall Act. Investment banks were not regulated for levering up their conditions. Financial innovations promoted easy availability of credit. Loan s against mortgages were â€Å"securitised† and forwarded by associates of Lehman Brothers and other financial companies. The outcome was unhindered consumer spending and reducing household savings. (Schneider & Kirchgassner, 2009). In the US, internal policies and globalisation was responsible for the financial crisis, which was fuelled by innovative products like complex derivative securities,

The Militant Environmentalists War on Environmental Crisis Essay

The Militant Environmentalists War on Environmental Crisis - Essay Example The Militant Environmentalists’ War on Environmental Crisis England’s King Edward I threatened Londoners with harsh penalties if they didn’t stop burning sea-coal.†, and the latest news narrates about the deteriorating state of affairs, carbon emissions being the main point of concern in terms of air and chemicals in terms of water. The logical and necessary efforts on changing the existing situation for better aside, there are some organizations that make this purpose the core value of their members’ existence, and their actions often not only look at least strange, but also may lead to the radically opposite effect, that is, distract people from the sound interest on the environmental problem, due to intervention into one’s life. The cause of militant behavior of certain individuals or groups of environmental activists is their being determined at turning the attention of the society to the most serious problems of the environment to date. This suggestion is enforced by the fact that it is quite possible that we might simply have no time to consider the environment damage we have caused and to find an adequate and effective solution as the pace of the nature destruction by humans is high, and the effect of the counter-measures taken is, on the contrary, time-consuming. The reason the behavior is violent is because there are, as Lohan states, simply no other ways the mentioned activists can get the public informed about the problem and its seriousness, as it is quite possible that the conventional organization of the life on the Earth may either disappear or be completely changed in the nearest future.

Public Privacy and Information Security Policy Research Paper

Public Privacy and Information Security Policy - Research Paper Example Home land security involves military intelligence and active field reporting to ensure that there is no offence within the country. Main forces of control include military, city police and special forces which work in tandem with regular regulatory bodies like the traffic and local police. The specificity of local populations makes it easy for the higher ups to ensure security and discipline in the sparsely populated states of America. The homeland security teams are also supported by medical, charitable and specially trained anti-bomb and homicide squads which rush to extend help on the spot in case of emergencies (Newmann, 2002, p.137). The technical decisions are taken by higher officials in the government and while the situation is mostly under control, the government uses extra care in ensuring that the right ammunition, vehicles, gadgets and technical requirements are available to the different squads to ensure that the nation is secure from terrorist attacks and threats to the aspirations and beliefs of the American system. The Homeland Security department is a cabinet that exercises heavy scrutiny on the different aspects of anti-terror mechanism in the states. It comprises of eminent military and senators and ministers of the state and came into existence after the September 11 attacks on the World Trade Center under the Bush administration which entrusted the Homeland security department of undertaking a multi-faceted approach in ensuring Homeland security (Bush, 2002, p.7). These include studies, innovations, research and applications in the field of emergency preparedness, domestic intelligence, international intelligence, critical infrastructure protection, perimeter protection, stopping child pornography, border security on land, country and maritime borders, transportation security, airtime security, maritime security, biodefense, radioactive element detection and research, radiological material usage, detection and research and

Effects Of Deprivation on Child Development

Effects Of Deprivation on Child Development Deprivation, including neglect, is damaging to children largely through the absence of an optimal environment and a lack of opportunities for development, rather than through the active perpetration of abuse by caregivers. Nevertheless, the effects can be long lasting and have important implications for the opportunities that these children have in later life, and the lives of their children. It is therefore of utmost importance that social work involves an understanding of what is meant by deprivation and what the possible effects might be, in order that professionals may seek to counteract negative possible outcomes with positive actions. While deprivation can take many different forms, this essay will attempt to focus on three broad areas of deprivation in order to illustrate how childhood development may be adversely affected. The first area focuses mainly on how an impoverished and under-stimulating environment, including poor opportunities for play, can lead to a lack of cognit ive and intellectual development in children and babies. The second area will look at how a paucity of social interactions with others can lead to less developed social skills, including the development of empathy and Theory of Mind (ToM). The final section will deal with the effect on childrens emotional development of poor or inconsistent caregiving, including emotional neglect, and especially with a focus on attachment styles and behaviours. It is however very important to note that while these different sections make distinctions between various types of childhood development, in fact all these areas are interconnected, and the distinctions here are made for the purposes of the essay alone. Finally, the essay will look at how social work practices can be adjusted to more effectively serve clients at risk of the adverse effects of deprivation. This section will focus on the effects of environmental under stimulation on childhood development. Deprivation can refer to lack of time (and their own skills) given by caregivers to expand children cognitively or lack of resources, such as books, play blocks etc for children to use, Or both. Children go through stages of intellectual development, as well as the development of skills. Without opportunities to practice and to succeed, children cant do this. They struggle to master skills, and they also find it more difficult to develop satisfactorily through the stages of social development. In order to illustrate this, this essay will start by looking at the cognitive developmental theory of Piaget. Piaget is often the first call of response in any debate surrounding educational development, which is perhaps surprising as he was not (in the traditional sense) a psychologist, but rather a genetic epistemologist (someone with an interest in the biological explanation of knowledge.) (Bancroftcarr 1995). Despite this, Piagets comprehensive studies have become part of the basis of developmental psychology, and are particularly relevant to discussions on the implications of cognitive deprivation. Piagets theory states that there are four main stages to development; the sensorimotor stage, the preoperational stage, the concrete operational stage, and the formal operational stage. These four stages cover not only intellectual development, but also the development of skills. If one or more of these stages are missed, the skills may never develop. Genie for example, the girl who was kept in a room with no contact or interaction until she was fourteen, missed out on every single stage of development. Although she was eventually taught to walk, she was, for example, never was able to speak grammatically and although her fine motor coordination was close to normal, she had extremely weak gross motor skills. She was also unable to focus on anything more than 13 feet away there was suggestion of an inability to unite touch and sight. (Curtiss, Susan (1977) Of course Genie is an extreme example; for most cases of cognitive deprivation it is a simple case of care-givers not having the resources or the inclination to stimulate their children cognitively, leading to gaps in their childs development. For example, a child who is under stimulated, left in a cot or a familiar environment without new experiences and toys are more likely to try and create their own stimulation, eg by misbehaving, being destructive, and even harming themselves through actions such as hair pulling. A stimulating babyhood is also perceived as being integral for the creation of the parent-child relationship, and the development of self-soothing and self-regulatory abilities later in childhood (Thompson, 2001) The stilted development of children who are exposed to sensory deprivation during infancy, eg in an orphanage or deprived home, have indicated that stimulating experience are integral for not only development but also survival (Robinson, M, (2011)) Erikson also conducted extensive research on the effects of cognitive deprivation, but focused on the development of the ego. This theory is typically referred to as mastery; the basic idea is that if a child masters a skill, this will create a sense of self confidence. If a child does not master a skill, eg learning to read or to communicate socially, they will have a low confidence in their ability to develop and learn and therefore they will do so at a slowed pace. Erikson believed a healthy ego propels the child in to the next stage of development. (R.Green 1999) As stipulated, deprivation does not only refer to a lack of cognitive stimulation, but can also refer to the lack of social input into a child, where caregivers do not interact sufficiently, nor explore personal and social aspects of living effectively. This is often done through play, but also through modeling behaviour of caregivers encouraging children to care for teddies and dolls may help children develop an empathic response to others. Children who do not have many opportunities for play with other children can also struggle. They find it difficult to understand the point of view of others and do not learn to modify their behaviour to fit in with others. Also important is the concept of containment and good enough parenting. Without this, children find it hard to cope with their own distress, or perhaps their frustration that everything is not done just the way they want it done. There are many possible effects of this deprivation which include a temporary or permanent delay in cognitive development, heightened aggression, emotional or social detachment, and an increase in the likelihood of depression in adulthood. (Myers, D. (2008) Exploring psycology) The other key thing to explore here is Theory of mind. Theory of mind is the ability to attribute mental states beliefs, intents, desires, pretending, knowledge, etc.-to oneself and others and to understand that others have beliefs, desires, and intentions that are different from ones own . (Premack, D.G; Woordruff, G. (1978).)Children who are deprived in this area may well develop Theory of Mind and other social skills later in life, but the damage is done because their early lack of skills means that they lack friends, they lack confidence, and this can have a snowball effect, with lack of opportunities continuing in life because they are lacking in social skills and are often aggressive and detached. The effect on childhood development of emotional deprivation can be dramatic. Spitz and Wolf, in the 1940s studies of US orphanages, found that children who had no significant personal interaction at all could suffer from anaclitic depression, and that morbidity was extremely high, even where nutrition and medical guidelines were adhered to.( L. Cytryn, D.McKnew; 1996) This is deprivation at its extreme. However, less extreme levels of deprivation can also result in poor developmental prospects for children. An obvious area to discuss here is attachment. Children who are not securely attached find it difficult to have the confidence to explore their environments they are spending too much time in protective measures fearful children do not explore and do not therefore learn or develop . Mary Ainsworth developed a way to test childrens attachment to their caregivers called the strange situation, whereby children were left by, and then re-united with their caregiver. Children who were distressed upon parting but easily comforted at the reunion are described as having secure attatchment (B. Inge 1992). Children with insecure attachment, who would be unable to be comforted or entirely unphased by the whole situation, often find it difficult later to make attachments to others, or are sometimes indiscriminate about attaching themselves to adults, and so are more at risk, for instance by being more vulnerable to abuse. The effect of emotional deprivation on development seems thoroughly studied, especially among institutionalized children who have had their emotional needs severly neglected through a lack of resources, time and inclination. All psychologists are well aware of the sometimes tempestuous desires and attitudes of those who felt neglected and rejected in childhood. However, recently, psychologically unavailable mothering has been identified as a real form of abuse. Another area to explore, connected to attachment, is the effect of relationship breakdown, lack of parenting through death or divorce. This is obviously to do with loss and bereavement as well, but can also be linked to deprivation and neglect, as Rutter in the Isle of Wight study has shown that acrimonious separations between par ents are much worse for children than when it is not acrimonious (E.Mash, R.A.Berkley) therefore it is more than just the loss itself which is the issue. When parents are not focusing on the wellbeing of children, they suffer: academically they do less well in school, they are more likely to have early pregnancies, they are more likely to be unemployed and to get divorced themselves so the effect of deprivation really lasts into the next generations. All the effects of the deprivation this essay have discussed are likely to be perpetuated into the next generations. Parents who do not know how to play or empathise or communicate effectively without aggression or contain their emotions effectively, because of a deprivation in these areas when they were children, are less likely to enable their own children to have these skills as well. All of these forms of deprivation have massive implications for Social Work practice, and there are many places that social workers can intervene with this intergenerational transmission of deprivation. One example of this is Sure Start, which is currently under threat of being cut by the government. Sure Start is a multi disciplinary approach, including social workers, which is designed to help parents and babies/young children in deprived areas overcome the effects of early deprivation. Considering the devastating effects of deprivation, Social workers and other professionals need to have a heightened awareness of its existence and implications; There have been studies showing that children who suffer from deprivation have more long term problems developmentally than children who suffer from physical abuse. There has also been a heightened Involvement of social workers in CAMHS (child and adolescent mental health teams) another multi disciplinary team, which deals with the mental health of young people and the reasons for their conditions. It has long been apparent that psychological health is directly linked to childhood deprivation, but only recently have social workers been seen to be working with other professionals to try and integrate more preventative measures against the psychological effects of deprivation, rather than simply working to address the effects. Working alongside mental health professionals in order to pinpoint and prevent the causes and effects of deprivation is a new phenomenon, and one which has seriously changed the direction of modern social work practice. Links with community midwives, G.Ps, nurseries and primary schools, in order to identify those at risk early on, have become more and more important in Social work. Community midwives and GPs have to check on childrens weight and development and their relationship with their care-givers. More involvement and communication between the professionals around infants and children are integral tools in identifying the early signs of deprivation and its effect on development. Greater focus on and help for children leaving care is another step that the social work sector should be taking. These people will be the ones having children early, and the ones who are likely to continue the cycle of neglect and deprivation. They are also typically poorer, and economic deprivation can be a massive contributor to neglect and deprivation in all its forms. In conclusion, there are many different strains of deprivation, all of them with devastating effects on childhood development, and all with relevant implications for social work. It would be prudent to point out at this point that all of the strains of deprivation are interrelated and to an extent interdependent, and often children who are exposed to one are almost undoubtedly exposed to another. For Social workers, the main focus should be on the importance of stopping the intergenerational transmission of the effects of deprivation. Early intervention is paramount in preventing these transmissions, and today more and more of the focus has been directed into prevention and rehabilitation, so Social workers are involved in more of a rehabilitating role, which will work to change the face of social work practice.

Daughter of a Roughneck :: Biography Descriptive Essays Papers

Daughter of a Roughneck Juanita "June" was born in the mid-1940's, the firstborn of Q.D. and Hazel. Q.D. was a driller on oilrigs, a crew called "roughnecks." Over the years the family lived in Arkansas, Colorado, Kansas, Oklahoma, and Texas. For the first 16 years of her life, June lived with her father, mother, and two younger brothers in a trailer that was so small it could (and was) pulled by the family car from oil patch to oil patch. Despite social prejudices, educational setbacks, and trauma in her life, she overcame those obstacles. Many of today's oilrigs are located offshore. During the 1940's there were more areas on land available to set up a rig. A roughneck crew would set up a rig at an oil patch. A typical job would last about six weeks. The oil was pumped out until the patch went dry. When the patch dried up, the crew would move on to the next pre-designated patch. The crews lived in portable homes on wheels, more commonly known as "trailers." A roughneck's family traveled with him. It was common for crews to move together, following each other in a caravan. This lifestyle had a great impact on June's life. It was difficult for her to make friends because the family moved so often. Since the family was moving every six to eight weeks, she was never in one school for very long. It was difficult to make friends as she got older. Even though she knew a friendship was going to be temporary, June longed to have a companion. The girls were cliquish and not friendly to her. On the other hand, the boys instantly took an interest in the pretty young lady. Unfortunately, this caused even more of a rife with the girls. She started dreading the moves that happened so frequently. Learning anything in class was a struggle. The constant moves took a toll. The family would move to a new place and she would start school. A new school might be ahead of the last school, and it would be hard to catch up before the next move. Sometimes she would start at a school and already know that material, and she would become bored. Developing study habits was very dif ficult and it was difficult for her to concentrate. Social prejudice was another fact of life. Roughnecks were viewed by some people as poor, trailer park trash.

Accounts Receivable and Joan Miller

Sub: Finance Topic: Journal Entries Question: Posting Journal entries into a worksheet ClassOf1 provides expert guidance to College, Graduate, and High school students on homework and assignment problems in Math, Sciences, Finance, Marketing, Statistics, Economics, Engineering, and many other subjects. The following are the balances in the accounts for Joan Miller Advertising Agency as of January 31, 2001: Cash Accounts Receivable Fees Receivable Art Supplies Office Supplies Prepaid Rent Prepaid Insurance Art Equipment Accumulated Depreciation, Art eq. Office Equipment Accumulated Depreciation –Office Eq. Accounts Payable Unearned Art Fees Wages Payable Joan Miller, Capital Totals Debit Credit $1,720 2,800 200 1,300 600 400 440 4,200 $70 3,000 50 3,170 600 180 10,590 ______ ______ $14,660 14,660 During the month of February, the agency engaged in the following transactions: Feb. 1 Received an additional investment of cash from Joan Miller, $6,000 www. classof1. com *The Homewo rk solutions from ClassOf1 are intended to help the student understand the approach to solving the problem and not for submitting the same in lieu of your academic submissions for grades. Sub: FinanceTopic: Journal Entries Feb. 2 Purchased additional office equipment with cash, $800. Feb. 5 Received art equipment transferred to the business from Joan Miller, $1,400. Feb. 6 Purchased additional office supplies with cash, $80 Feb. 7 Purchased additional art supplies on credit from Taylor Supply Company, $500. Feb. 8 Completed the series of advertisements for Marsh Tire Company that began on January 31, and billed Marsh Tire Company for the total services performed, including the accrued revenues that had been recognized in January of $200 (see fees receivable). The total bill is $800.Feb. 9 Paid the secretary for two weeks’ wages, $600. Feb. 12 Paid the amount due to Morgan Equipment for the office equipment purchased last month $1,500 Feb. 13 Accepted an advance fee in cash fo r artwork to be done for another agency, $1,800. Feb. 14 Purchased a copier from Morgan Equipment for $2,100 paying $250 in cash and agreeing to pay he rest in equal payments over the next five months. Feb. 15 Performed advertising services and accepted a cash fee, $1,050. Feb. 16 Received payment on account from Ward Department Stores for services performed last month, $2,800 Feb. 9 Paid amount due for the telephone bill that was received and recorded at the end of January , $70. 20. Feb. 20 Performed advertising services for Ward Department Stores and agreed to accept payment next month $3,200. Feb. 21 Performed art services for a cash fee, $580 Feb. 22 Received and paid the utility bill for February, $110. Paid the secretary for two weeks’ wages, $600. www. classof1. com *The Homework solutions from ClassOf1 are intended to help the student understand the approach to solving the problem and not for submitting the same in lieu of your academic submissions for grades.Sub: Fi nance Topic: Journal Entries Feb. 26 Paid the rent for March in advance, $400. Feb. 27 Received the telephone bill for February, which is to be paid next month, $80. Feb. 28 Paid out cash to Joan Miller as a withdrawal for personal living expenses, $1,400. At the end of February, adjustments are made for the following: a. b. c. d. e. f. g. h. i. One month’s prepaid rent has expired. One month’s prepaid insurance has expired, $40. An inventory of art supplies reveals $720 of supplies are still on hand on February 28 th.An inventory of office supplies reveals $300 in office supplies have been used in February. Depreciation on the Art equipment for February is calculated to be $90. Depreciation on the Office equipment for February is calculated to be $100. Art services performed for which payment has been received in advance total, $1,400 Advertising services performed that will not be billed until March total $340. Three days’ worth of secretarial wages had accrue d by the end of February. Required: Prepare the general journal entries or enter into a worksheet the transactions completed in February, 2001Solution: Joan Miller Advertising Agency Worksheet Trial Balance Transactions 1/31/2001 Name of the Account Debit Cash $1,720 Accounts Receivable Fees Receivable Art Supplies Credit 2800 200 1300 February Debit $12,23 0 3400 Trial Balance 2/28/2001 (Unadjusted) Credit Debit $5,810 $8,140 2800 200 Credit $3,400 $0 $1,300 www. classof1. com *The Homework solutions from ClassOf1 are intended to help the student understand the approach to solving the problem and not for submitting the same in lieu of your academic submissions for grades.Sub: Finance Topic: Journal Entries Office Supplies Prepaid Rent Prepaid Insurance Art Equipment Accumulated Depreciation, Art Eq. Office Equipment Accumulated Depreciation, Office Eq. Accounts Payable Unearned Art Fees Wages Payable 600 400 440 4200 580 400 $70 3000 $70 4300 $7,300 50 3170 600 180 Joan Miller, Cap ital $50 1570 600 180 10590 Joan Miller, Withdrawals Fees Earned Wages Expense Utilities Expense Telephone Expense Total $1,180 $800 $440 $4,200 2430 1800 $4,030 $1,800 $0 $17,99 0 7400 1400 $1,400 5430 $14,66 0 $14,66 1020 110 80 $25,87 0 $25,87 0 $5,430 $1,020 $110 $80 $29,37 0 $29,37 0 ** End of the Solution ** ClassOf1 provides expert guidance to College, Graduate, and High school students on homework and assignment problems in Math, Sciences, Finance, Marketing, Statistics, Economics, Engineering, and many other subjects. www. classof1. com *The Homework solutions from ClassOf1 are intended to help the student understand the approach to solving the problem and not for submitting the same in lieu of your academic submissions for grades.

buy custom Captivating Nursing Essay Examples on Personal Philosophy of Nurse

buy custom Captivating Nursing Essay Examples on Personal Philosophy of Nurse Nursing Essay Example on Personal Philosolophy of Nursing Personal Philosophy of Nursing As a nurse employed in a USAID affiliated hospital in the United States, I mainly work with the young and old persons with diverse health conditions. The patients suffer from varied diseases, which range from acute to chronic. In the nursing profession, one requires different virtues and values necessary in the course of service delivery. For instance, a nurse needs to have the values of patience, care, understanding, and empathy. Some of the duties, which require these virtues, include counseling, caring, teaching, and providing medical services. The work may base on the clinics, hospital wards, and community settings; sometimes, one has to do work shifts so that he/she can provide 24-hour care. The duties of a nurse range from dealing with critical patients to minor cases. A nurse is an all-round service provider in medical facilities; hence, they need to be familiar with all nursing practices.

Becoming a Pilot essays

Becoming a Pilot essays On the Saturday morning of my first flight, I woke up with anticipation of what was to come. During the previous night, I had been dreaming of my recent activities. The week before, I had talked to an Air Force recruiter. During the conversation, I told him of my desire to join the USAF. Also, I had mentioned to him that during the first three years I was enlisted, I would be working towards my bachelors degree. (The reason that I would do so is because you must have a bachelors degree prior to flying in the military.) He then gave all the information that I had shared with him, to my mother and father. My mother, being the sweetest person in the world, went right out and bought me an introductory flight lesson. On the Friday night before my first flight, she handed me an envelope, and I read the certificate out loud. I couldnt believe that I was to start flying that next morning. She said, If you want to become a pilot, you might want to see if you like it firs! t. When I took off for the first time it was the greatest feeling ever. It was the Im on top of the world feeling. I cant describe it, it was just amazing. The fact is that many people would like to fly, but not many have the chance to pursue that dream. My dream started to become a reality at eight oclock in the morning on December 22, 2001. This was the first of many, many steps to becoming a pilot. I knew that it would take lots of money and hard work to finish it, but I am willing to give it my all. To obtain a private pilots license you need to complete a minimum of forty hours of flight time, although the national average to obtain a license is between sixty-five and seventy-five hours. These forty hours includes at least twenty hours of dual instructional flight time and at least ten hours of solo flight time. A person will have to pass a few exams before they will be able to r...

Carl philipp emanuel bach Essay Example | Topics and Well Written Essays - 750 words

Carl philipp emanuel bach - Essay Example This essay considers general background information of the composer, aspects of the musical theory of composition, and a review of various musical compositions. Emanuel Bach was born in Weimar, Germany. As a son famed Johann Sebastian Bach, the younger Bach gained access to a prestigious musical education. At the age of ten he entered the St. Thomas School at Leipzig. He would pursue jurisprudence at a variety of universities after leaving the St. Thomas School, including the universities of Leipzig and of Frankfurt. Bach received his degree at the age of twenty-four. At this time he decided to abandon his legal career and pursue music full-time. In 1740 he would become a member of the royal orchestra. At this time he was recognized as the foremost clavier-player in Europe. His compositions during this period included sonatas for the harpsichord and clavichord. He would later publish a text ‘An Essay on the True Art of Playing Keyboard Instruments’ that would foreground many techniques for keyboard playing, including the use of thumbs. Much of the techniques developed in this text would influence later famed composers Haydn, Mozart, and Beethoven. Bach would go to move to Berlin where he would compose perhaps his most seminal works. During this period Bach composed Magnificat (1749), Easter cantata (1756), as well as an assortment of symphonies and concertos. The bulk of his composition was written for the clavichord, which he composed over two hundred sonatas and assorted solos. Much of his work would influence the methods of Muzio Clementi and Johann Baptist Cramer. Bach would go on to become director of music at Hamburg and began to focus his attention on church music. He would later marry and live out the rest of his life in Hamburg. He died in December 1788. Bach’s music had a tremendous influence on later composers, perhaps most prominently being held in high regard by Wolfgang Amadeus Mozart and Ludwig Van Beethoven. Bach’s maj or musical influence is as a result of his famed keyboard sonatas. In these regards, they gained esteem for breaking away from previous Italian and Viennese styles and foregrounding new methods of musical expression. Still, Bach is recognized for being a prominent member of the First Viennese School. Within this mode of production, Bach is recognized for the extreme emotional range and unpredictability he demonstrated within a single work (Whitmore 1988). In terms of musical output Emanuel Bach has a tremendous array of material. He has over a hundred keyboard sonatas. In addition to the keyboard sonatas, he has a wide variety of fugues for organ and keyboard. Finally he has over a hundred keyboard concertos (‘C.P.E. Bach’). In all Bach’s tremendous output totals nearly one thousand unique compositions. The album I listened to was Emanuel Bach’s ‘Hamburg Sinfonias’. This collection contained Bach’s 1-6 Sinfonias. In listening to the col lection of Sinfonias I am struck by their upbeat nature. While later artists such as Beethoven and Mozart oftentimes seemed to explore dark themes, Bach’s tendency is to generally stay within an upbeat atmosphere. Within these compositions, however, are tremendous variety of form and structure. It’s clear that within these variety of emotions Bach has gained his greatest levels of esteem. For instance, Bach Sinfonia in B flat major begins with an allegro pace and transitions to a symphonic type presentation of instrumentation. The musical tone of the piece

Data Protection and privacy Essay Example | Topics and Well Written Essays - 1000 words

Data Protection and privacy - Essay Example ormation given to schools, workplaces, banks, healthcare facilities and even in any local government firm are handled and kept securely and to what grounds can an institution be called of breach in giving a person’s pertinent data if ever they are liable. People have really grown out of their freedom shell as human right propagators and enthusiasts have culminated for the right of a person to data protection and privacy. What is data protection? It is the area of the law that governs what may, and what may not, be done with confidential information obtained. Personal information is in various forms, it may be in electronic form such as the ones stored on a computer hard drive or in manual form or the written forms. Furthermore data protection law, coming from the word protect, sets out rules about the methods by which personal information may be obtained from people, the ways that organisations may and may not use personal information, when organisations may and may not transfer personal information to other organisations, and provides security obligations for the storage and transfer of personal information. Data protection law also regulates the use of personal data for marketing purposes, and restricts the sending of personal information across the borders where there is no equal protection to data deemed (Carey, 2009). Personal data as discussed in an article by Carey (2009), for better conceptualization, is defined as any information which identifies a living individual may it be in electronic or manual form. Examples of information capable of amounting to personal data include a person’s name, address, email address, DNA sample, image, and even records of transactions such as use of credit cards. Obtaining, storing, copying, filing, transferring or anything and everything that can be done to such data is called data processing (Carey, 2009). Data protection law requires three things—registration, compliance with data protection rules and attention to