The Process, The Rewards And The Risks - 5686 Words

Superannuation: The Process, The Rewards and The Risks Purchasing your own real estate business offers you virtually limitless earning potential and freedom from the restrictions of working for someone else. One of the main factors holding many would-be real estate business owners back is money; coming up with, for example, a 30-percent deposit on a business facility can be a crippling factor, making the dream of business ownership just that – a dream, and nothing else. Fortunately, the dream may not be as far off as you’re lead to believe. Recently, the Self-Managed Super Funds drew media attention as a means of buying property. How might we apply superannuation to building your own business? Scroll on, dear reader, and find out! The†¦show more content†¦Your super will only be taxed 15 percent whereas your real estate business is taxed between 30 and more than 45 percent. Additionally, a super fund can save you tax dollars when it comes time to retire. Capital gains on supers are capped at 10 percent for a property held more than one year. If you retire before selling the building, however, you’re not required to pay taxes on your capital gain! The Control One of the reasons you went into business for yourself in the first place was to gain more control of your professional life. When you rent from yourself, you are in control of the lease. Gone is the fear of landlords unexpectedly changing lease conditions in the middle of the term! The Risks As with any investment or business venture, buying your own real estate office building using superannuation is not without its risks. Consider the following before making the leap into business ownership through super funds. The Growth Potential and Location Let’s say your real estate business is going swimmingly and you’re growing more and more each year. You need to hire some new employees to build on your core staff, but – what’s this? It seems you’re a little tight on space, and the buildings surrounding you aren’t for sale! What is a business owner to do? One way to prevent outgrowing your current location is to consider buying space adjacent to your property and including it in your business plan. If you outgrow

Social Media And Its Impact On New Media - 2666 Words

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The Lust Lizard of Melancholy Cove Chapter 11~12 Free Essays

Eleven Catfish Catfish awoke to find a paint-spattered woman padding about the house in nothing but a pair of wool socks, in which she had stuck several sable brushes that delivered ochre, olive, and titanium white strokes to her calves whenever she moved. Canvases were propped on easels, chairs, counters, and windowsills – seascapes every one. Estelle moved from canvas to canvas, palette in hand, furiously painting details in the waves and beaches. We will write a custom essay sample on The Lust Lizard of Melancholy Cove Chapter 11~12 or any similar topic only for you Order Now â€Å"Y’all woke up inspired,† Catfish said. It was past dusk, they had slept away the daylight. Estelle painted by the light of fifty candles and the orange glow that washed from the open doors of the wood stove. Color correctness be damned, these paintings should be viewed by fire. Estelle stopped painting and raised her brush arm to cover her breasts. â€Å"They weren’t finished. I knew something was missing when I painted them, but I didn’t know what until now.† Catfish cinched his pants around his waist and walked shirtless among the paintings. The waves writhed with tail and scale and teeth and talon. Predator eyes shone out of the canvases, brighter, it seemed, than the candles that lit them. â€Å"You done painted that old girl in all of ’em?† â€Å"It’s not a girl. It’s male.† â€Å"How you know that?† â€Å"I know.† Estelle turned and went back to her painting. â€Å"I feel it.† â€Å"How you know it look like that?† â€Å"It does, doesn’t it? It looks like this?† Catfish scratched the stubble on his chin and pondered the paintings. â€Å"Close. But it ain’t a boy. That ol’ monster the same one come after me an Smiley for catchin its little one.† Estelle stopped painting and turned to him. â€Å"You have to play tonight?† â€Å"In a little while.† â€Å"Coffee?† He stepped up to her, took the brush and palette from her, and kissed her on the forehead. â€Å"That sho’ would be sweet.† She padded to the bedroom and came back wearing a tattered kimono. â€Å"Tell me, Catfish. What happened?† He was sitting at the table. â€Å"I think we done broke a record. I’m sore.† Estelle smiled in spite of herself, but pressed on. â€Å"What happened back then, in the bayou? Did you call that thing up out of the water somehow?† â€Å"What you thinkin, woman? I can do that, you think I be playin clubs for drinks and part the door?† â€Å"Tell me how you felt back then, when that thing came out of the swamp.† â€Å"Scared.† â€Å"Besides that.† â€Å"Wasn’t nothing besides that. You heard it. Scared is all there is.† â€Å"You weren’t scared after we got back here last night.† â€Å"No.† â€Å"Neither was I. What did you feel back then? Before and after the thing came after you.† â€Å"Not like I’m feelin now.† â€Å"And how is that?† â€Å"I’m feelin real good to be here talkin to you.† â€Å"No kidding. Me too. How about back then?† â€Å"Stop doggin me, girl. I’ll tell you. But I gots to go play in an hour and I don’t know that I can.† â€Å"Why not?† â€Å"The Blues ain’t on me. You done chased ’em off.† â€Å"I can throw you out in the cold without a shirt if you think it will help.† Catfish squirmed in his chair. â€Å"Maybe some coffee.† Catfish’s Story After we gets some distance from whatever chasin us, we stop the Model T Ford and me and Smiley put that big ol’ catfish thing in the backseat – his tail hangin out one side an’ his head out’t’other. Now this ain’t at all what I expected, and Smiley ain’t got the Blues on him, but I’m gettin me a grand case myself. Then I realizes we got us five hundred dollar coming, and them ol’ Blues done melt right away. I say, â€Å"Smiley, I believes we should have us some celebratin, startin with some liquor and endin up with some fine Delta pussy. What you say?† Ol’ Smiley, like usual, don’t wanna piss on the parade, but bein who he is, he point out we aint got no money and Ida May don’t approve of no pussy more’en a hundred yard from the house. But he feelin it too, I can tell, and before long we headed down a back road to find a bootlegger I know down there name of Elmore that sells to colored folk. That ol’ white boy ain’t got but two teeth, but he grindin ’em when we pulls up, all mad and wavin his shotgun like we come to bust up his still. I say, â€Å"Hey, Elmore, how your lovely wife and sister?† He say she fine, but lessin we shows some money quick, he gonna shoot him some niggers and get back to her before she cool off. â€Å"We a little short,† I say. â€Å"But we have us five hundred dollar come morning iffin you kind enough to give us a jug on credit.† An’ then I shows him the catfish. That boy liked to shit his pants, and I was hopin he would, just to cover the smell comin off him natural, but instead he say, â€Å"I ain’t waitin ’til mornin’. You want a jug, you give me a hunk o’ that catfish right now. A big hunk.† Smiley and I thinks it over, and before long we got us a half-gallon of corn mash and ol’ Elmore got hisself enough catfish to feed his wives and children and them-thats both for a week or more. Up the road a spell and this old whore name of Okra givin us the same speech about money, plus she sayin we need to take us a bath before she let us anywhere near her girls. And I comes back with the five-hundred-dollar story. She say five hundred dollar tomorrow and we can come in tomorrow, but if we want some pussy tonight, she want a hunk of that old catfish in the back. Them hos can eat some catfish too, I’m tellin you. I thought Smiley finally gettin the Blues on him when I hears him sayin how he give up a hundred dollar worth of catfish just for a bath. But that his choice. He wait in the car ’til I’m done and we head off to find a place to sleep ’til morning when we can cash in the fish. We pulls down a side road into some bushes, and we commencin to get us some sleep after a drink or two, when who come out the woods but a whole bunch of boys wearin them white sheets and pointy hoods, sayin, â€Å"Nigger, I guess you didn’t read the sign.† And they tie us up to that ol’ catfish and make us drag it back in the woods to a big ol’ fire they got goin. That sho’ a chill, I gots to tell you. To this day I can’t walk by sheets hangin on a line without my backbone freeze up. I knows we sho’ gonna die now, sayin my prayers and all best I can, while them boys kickin me in the mouth an’ such while eatin catfish pieces what they roasted on sticks. Then I feels it and the kickin stops. I see ol’ Smiley lyin in the dirt, coverin his head with his arms, one ol’ bloody eye lookin’ over at me. He feel it too. Them Klansmen staring into the woods like they long-lost momma gonna come out, big ol’ grins on they faces, half of ’em rubbin they dicks through they pants. And she come out, all right. Big as a train, a howl like to make your ears bust and bleed. She take two of them in the first bite. I don’t have to write Smiley no letter. Before we can say somethin, we up and runnin, still tied up to what left of that catfish carcass, running back for the road. We finds us a knife in the car and we gets loose lickety-split – Smiley crankin that ol’ Model T and me behind the wheel workin the choke. Hollerin and screamin comin out the woods sounding like music now, them Klansmen gettin all eat up. Then it get quiet, just the sound of our breath and Smiley crankin the Model T. I’m yellin for him to hurry, I can hear that thing crashin though the woods. And finally, the Model T cranks over, but I can hardly hear it, ’cause that old dragon thing done broken out the woods and lets go a roar. I tells Smiley to get in, but he run back to the back of the car. â€Å"What you doing?† I say. â€Å"Five hundred dollar,† he say. And I see he throwing the catfish in the backseat. That stinky thing ain’t nothin but a head now, so Smiley throw it in by hisself. Then he makes to jump on the running board and I looks over and he just snatched out the air. Gone. And them jaws coming down for the second time when I pull that ol’ Model T in gear and take off. Smiley gone. Gone. Next day I find that white man say he pay five hundred dollar for the catfish, and he look at that big fish head and jus laugh at me. I say I lose the best friend I ever had, he better give me my goddamn money. But he laugh and tell me go away. So I hit him. Took that old fish head to court with me, but it don’t make no difference. That judge give me six months in jail – hittin a white man and all. He tell the bailiff, â€Å"Take Catfish away.† They call me Catfish since. I don’t tell the story no more, but the name still there. Had the Blues on me ever since, but they ain’t no makin amends. By the time I get out, Ida May die of grief, and I ain’t got a friend alive. Been on the road since. That thing on the beach, make that sound, she lookin for me. Catfish â€Å"It’s a male,† Estelle said. She didn’t know what else to say. â€Å"How you know?† â€Å"I know.† She took his hand. â€Å"I’m sorry about your friend.† â€Å"I just wanted him to get the Blues on him so we can make us a record.† They sat there at the table for a while, holding hands. Catfish let his coffee go cold in the cup. Estelle ran the story around in her head, both relieved and fearful that the shadows in her paintings now had a shape. Somehow, as fantastic as it was, Catfish’s story seemed familiar. She said, â€Å"Catfish, did you ever read The Old Man and the Sea by Ernest Hemingway?† â€Å"He that boy write about bullfights and fishing? I met him once, down Florida way. Why?’ â€Å"You met him?† â€Å"Yeah, that sumbitch didn’t believe that story neither. Said he like to fish, but he don’t believe me. Why you ask?† â€Å"Never mind,† Estelle said. â€Å"If this thing eats people, don’t you think we should report it?† â€Å"I been tellin folks about that monster for some fifty years, ain’t no one believed me yet. Said I was the biggest liar ever come outta the Delta. I’d have me a big house and a stack of records if not for that. You call the law and tell them ’bout this, they gonna call you the crazy woman of Pine Cove.† â€Å"We already have one of those.† â€Å"Well, ain’t no one gonna get eat but me, and if I lose this gig ’cause they thinkin I’m crazy, I have to be movin on then. You understand?† Estelle took Catfish’s cup from the table and placed it in the sink. â€Å"You’d better get ready to go play.† Twelve Molly To distract herself from the dragon next door, Molly had put on her sweats and started to clean her trailer. She got as far as filling three black trash bags with junk food jetsam and was getting ready to vacuum up the collec-tion of sow bug corpses that dotted her carpet when she made the mistake of Windexing the television. Outland Steel: Kendra’s Revenge was playing on the VCR and when the droplets of Windex hit the screen, they magnified the phosphorescent dots, making the picture look like an impressionist painting: Seurat’s Sunday Afternoon on the Island of Le Grande Warrior Babe perhaps. Molly froze the frame on the gratuitous shower scene. (There was always a shower scene in the first five minutes of her films, despite the fact that Kendra lived on a planet almost completely devoid of water. To address this problem, one young director had gotten the bright idea of using â€Å"anti-radioactive foam† in the shower scene and Molly had spent five hours with whipped Ivory Snow suds being blown on to her by an offscreen Shop-Vac. She ended up playing the rest of the film in a Bedouin burnoose to cover the rash that developed all over her body.) â€Å"Art film,† Molly said, sitting on the floor in front of the TV, dowsing it with Windex for the fiftieth time. â€Å"I could have been a model in Paris in those days.† â€Å"Not a chance,† said the narrator. He was still around. â€Å"Too skinny. They liked fat chicks back then.† â€Å"I’m not talking to you.† â€Å"You’ve used half a bottle of Windex for this little trip to Paris.† â€Å"Seems like cheap travel to me,† Molly said. Even so, she got up and took two glasses from the top of the TV. She was taking them to the kitchen when the doorbell rang. She opened the door with the rims of the glasses pinched in one hand. Outside, two women in dresses and heels and lots of hair spray were standing on her steps. They were both in their early thirties, blonde, and wore stiff smiles of either insincerity or drug use, Molly couldn’t be sure which. â€Å"Avon?† Molly asked. â€Å"No,† the blonde in front said with a titter. â€Å"I’m Marge Whitfield, this is Katie Marshall, we’re from the Coalition for a Moral Society. We’d like to talk to you about our campaign to reinstate school prayer. I hope we haven’t caught you at a bad time.† Katie was in pink. Marge in pastel blue. â€Å"I’m Molly Michon. I was just cleaning up a little.† Molly held up the two glasses. â€Å"Come on in.† The two women stepped in and stood in the doorway as Molly took the glasses to the sink. â€Å"You know, it’s interesting,† Molly said, â€Å"but if you put Diet Coke in one glass, and regular Coke in another, and let them sit for, oh, say six months, then come back, there will be all sorts of green stuff growing on the regular Coke, but the Diet Coke will be as good as new.† Molly returned to the living room. â€Å"Can I get you two something to drink?† â€Å"No thank you,† Marge droned in robot response. She and Katie were staring at the paused image of a wet and naked Molly on the television screen. Molly breezed by them and flipped off the television. â€Å"Sorry, an art film I made in Paris when I was younger. Won’t you sit down?† The women sat down next to each other on Molly’s tattered couch, their knees pinched together so tight they could have crushed diamonds to powder. â€Å"I love your air freshener,† Katie said, trying to pull out of her terror. â€Å"It smells so clean.† â€Å"Thanks, it’s Windex.† â€Å"What a cute idea,† Marge said. This was good, Molly thought. Normal people. If I can hold myself together for normal people like these, I’ll be okay. This is good practice. She sat down on the floor in front of them. â€Å"So your name is Marge. You don’t hear that outside of detergent commercials anymore. Did your parents watch a lot of TV?† Marge tittered. â€Å"It’s short for Margaret, of course. My grandmother’s name.† Katie jumped in. â€Å"Molly, we’re very concerned that our children’s education is totally without any spiritual instruction. The Coalition is collecting signatures for reinstatement of prayer in school.† â€Å"Okay,† Molly said. â€Å"You’re new in town, aren’t you?† â€Å"Why, yes, we’ve both moved here from Los Angeles with our husbands. A small town is just a better place to raise children, as I’m sure you know.† â€Å"Right,† Molly said. They had no idea who she was. â€Å"That’s why I brought my little Stevie here.† Stevie was Molly’s goldfish who had died during one of her stays in County. Now he lived in a Ziploc in her freezer and regarded her with a frosty gaze every time she retrieved some ice. â€Å"And how old is Stevie?† â€Å"Uh, seven or eight. I forget sometimes, it was a long labor.† â€Å"He’s a year behind my Tiffany,† Marge said. â€Å"Well, he’s a little slow.† â€Å"And your husband is†¦?† â€Å"Dead.† â€Å"I’m so sorry,† Katie said. â€Å"No need, you probably didn’t kill him.† â€Å"Anyway,† Katie said, â€Å"we’d really like to have your signature to send to the state senate. Single mothers are an important part of our campaign. And we’re also collecting donations for the campaign to have the Constitu-tion amended.† She put on an embarrassed smile. â€Å"God’s work needs funding too.† â€Å"I live in a trailer,† Molly said. â€Å"We understand,† Marge said. â€Å"Finances are difficult for a single mother. But your signature is just as important to God’s work.† â€Å"But I live in a trailer. God hates trailers.† â€Å"Beg pardon?† â€Å"He burns them up, freezes, them out, tears them up with tornadoes. God hates trailers. Are you sure I wouldn’t be hurting your cause?† Katie giggled. â€Å"Oh, Mrs. Michon, don’t be silly. Just last week I read where a woman’s trailer was picked up by a tornado and dropped almost a mile away and she survived. She said that she was praying the whole time and that God had saved her. You see?† â€Å"Then who sent the tornado in the first place?† The two pastel women squirmed on the couch. The blue one spoke first. â€Å"We’d love to have you at our Bible study group, where we could discuss that, but we have to be getting along. Would you mind signing the peti-tion?† She pulled a clipboard out of her oversized purse and handed it over to Molly with a pen. â€Å"So if this works, kids will be able to pray in school?† â€Å"Why, yes.† Marge brightened. â€Å"So the Muslim kids can turn to Mecca seven times a day or whatever and it won’t count against their grades?† The blue and pink pastel ladies looked at each other. â€Å"Well, America is a Christian nation, Mrs. Michon.† Molly didn’t want them to think she was a pushover. She was a smart woman. â€Å"But kids of other faiths can pray too, right?† â€Å"I suppose so,† Katie said. â€Å"To themselves.† â€Å"Oh good,† Molly said as she signed the petition, â€Å"because I know that Stevie could move up to the Red Jets reading group if he could sacrifice a chicken to Vigoth the Worm God, but the teacher won’t let him.† Why did I say that? Why did I say that? What if they ask where Stevie is? â€Å"Mrs. Michon!† â€Å"What? He’d do it at recess,† Molly said. â€Å"It’s not like it would cut into study time.† â€Å"We are working on behalf of the One True God, Mrs. Michon. The Coalition is not an interfaith organization. I’m sure that if you had felt the power of His spirit, you wouldn’t talk that way.† â€Å"Oh, I’ve felt it.† â€Å"You have?† â€Å"Of course. You can feel it too. Right now.† â€Å"What do you mean?† Molly handed the clipboard back to Katie and stood up. â€Å"Come next door with me. It’ll only take a second. I know you’ll feel it.† Theo Theo’s hopes of finding Mikey Plotznik rose as he drove through the residential areas of Pine Cove. Nearly every neighborhood had two or three people out searching with flashlights and cell phones. Theo stopped and took reports from each search party, then made suggestions as if he had the slightest idea what he was doing. Who was he kidding? He couldn’t even find his car keys half the time. Most of Pine Cove’s neighborhoods were without sidewalks or street-lights. The canopy of pine trees absorbed the moonlight and darkness drank up Theo’s headlights like an ocean of ink. He plugged his handheld spot-light in the lighter socket and swept it across the houses and into the vacant lots, spotting nothing but a pair of mule deer eating someone’s rosebuds. As he drove by the beach park – a grass playground the size of a football field, surrounded by cypress trees and blocked from the Pacific wind by an eight-foot redwood fence – he spotted a flash of white moving on one of the picnic tables. He pulled into the parking strip beside the park and pointed the Volvo’s headlights, as well as the spotlight, at the table. A couple was going at it right there on the table. The flash of white had been the man’s bare ass. Two faces turned into the light, eyes as wide as the two deer Theo had surprised earlier. Normally, Theo would have driven on. He was used to finding people â€Å"in the act† in cars behind the Head of the Slug, or parked along the more rugged strips of coastline. He wasn’t the sex police, after all. But tonight he was irritated by the scene. It had been almost a whole day since he’d had a hit from his Sneaky Pete. Maybe it’s a symptom of withdrawal, he thought. He turned off the Volvo and got out, taking his flashlight with him. The couple scrambled into their clothes as he approached, but didn’t try to es-cape. There was nowhere for them to go except over the fence, where a narrow beach was bordered on both sides by cliffs and washed by treach-erous, freezing rip tides. When he was halfway across the park, Theo recognized the fornicators and stopped. The woman, a girl really, was Betsy Butler, a waitress down at H.P.’s Cafe. She was struggling to pull down her skirt. The man, bald ing and slack-chested, was the newly widowed Joseph Leander. Theo flashed on the image of Bess Leander hanging from a peg in the spotless dining room. â€Å"A little discretion’s in order here, you think Joe?† Theo shouted as he walked toward them. â€Å"Uh, it’s Joseph, Constable.† Theo felt his scalp go hot with anger. He wasn’t an angry man by nature, but nature hadn’t been working the last few days. â€Å"No, It’s Joseph when you’re doing business or when you’re grieving over your dead wife. When you’re boning a girl half your age on a picnic table in a public park, it’s Joe.† â€Å"I – we – things have been so difficult. I don’t know what came over us – I mean, me. I mean†¦Ã¢â‚¬  â€Å"I don’t suppose you’ve seen a kid around here tonight? A boy, about ten?† The girl shook her head. She was covering her face with one hand and staring into the grass at her feet. Joseph Leander’s gaze darted around the park as if a magic escape hatch would open up in the dark if he could only spot it. â€Å"No, I haven’t seen a boy.† Technically, Theo knew he could arrest them both on the spot for indecent exposure, but he didn’t want to take the time to process them into County Justice. â€Å"Go home, Joe. Alone. Your daughters shouldn’t be by themselves right now. Betsy, do you have a ride?† Without uncovering her face, she said, â€Å"I only live two blocks away.† â€Å"Go home. Now.† Theo turned and walked back to the Volvo. No one had ever accused Theo of being clever (except for the time at a college party when he fashioned an emergency bong out of a two-liter Coke bottle and a Bic pen), but he was feeling somewhat less than clever for not having investigated Bess Leander’s death more carefully. It was one thing to be hired because you’re thought to be a fool, it’s quite another to live up to the reputation. Tomorrow, he thought. First find the kid. Molly Molly stood in the mud with the two pastel Christian ladies looking at the dragon trailer. â€Å"Can you feel it?† â€Å"Why, whatever do you mean?† Marge said. â€Å"That’s just a dirty old trailer – excuse me – mobile home.† Until a second ago, she had only been concerned with her powder-blue high heels sinking into the wet turf. Now she and her partner were staring at the dragon trailer, wide-eyed. They could feel it, Molly could tell. She could feel it too: a low-grade sense of contentment, something vaguely sexual, not quite joy, but close. â€Å"You’re feeling it?† The two women looked to each other, trying to deny that they were feeling anything. Their eyes were glazed over as if they’d been drugged, and they fidgeted as if suppressing giggles. Katie, the pink one, said, â€Å"Maybe we should visit these people.† She took a tentative step toward the dragon trailer. Molly stepped in front of her. â€Å"There’s no one there. It’s just a feeling. You two should probably go fill out your petition.† â€Å"It’s late,† said powder blue. â€Å"Maybe one more visit, then we have to go.† â€Å"No!† Molly blocked their path. This wasn’t as fun as she thought it would be. She had wanted to freak them out a little, not harm them. She had the distinct feeling that if they got any closer to the dragon trailer, school prayer would be losing two well-groomed votes. â€Å"You two need to get home.† She took each by a shoulder and led them back to the street, then pushed them toward the entrance of the trailer park. They looked longingly over their shoulders at the dragon trailer. â€Å"I feel the spirit moving in me, Katie,† Marge said. Molly gave them another push. â€Å"Right, that’s a good thing. Off you go.† And she was supposed to be the crazy one. â€Å"Go, go, go,† Molly said. â€Å"I have to get Stevie’s dinner ready.† â€Å"We’re sorry we missed meeting your little boy,† Katie said. â€Å"Where is he?† â€Å"Homework. See ya. Bye.† Molly watched the women walk out of the park and climb into a new Chrysler minivan, then she turned back to the dragon trailer. For some reason, she was no longer afraid. â€Å"You’re hungry, aren’t you, Stevie?† The dragon trailer shifted shape, angles melting to curves, windows going back to eyes, but the glow wasn’t as intense as it had been in the early dawn. Molly saw the burned gill trees, the soot and blistered flesh between the scales. Soft blue lines of color flashed across the dragon’s flanks and faded. Molly felt her heart sink in sympathy. This thing, whatever it was, was hurting. Molly took a few steps closer. â€Å"I have a feeling you’re too old to be a Stevie. And the original Stevie might be offended. How about Steve? You look like a Steve.† Molly liked the name Steve. Her agent at CAA had been named Steve. Steve was a good name for a reptile. (As opposed to Stevie, which was more of a frozen goldfish name.) She felt a wave of warmth run through her amid the sadness. The monster liked his name. â€Å"You shouldn’t have eaten that kid.† Steve said nothing. Molly took another step forward, still on guard. â€Å"You have to go away. I can’t help you. I’m crazy, you know? I have the papers from the state to prove it.† The Sea Beast rolled over on his back like a submissive puppy and gave Molly a pathetically helpless look, no easy task for an animal capable of swallowing a Volkswagen. â€Å"No,† Molly said. The Sea Beast whimpered, no louder than a newborn kitten. â€Å"Oh, this is just swell,† Molly said. â€Å"Imagine the meds Dr. Val is going to put me on when I tell her about this. The vegetable and the lizard, that’s what they’ll call us. I hope you’re happy.† Peer Pressure â€Å"But I don’t want to go among mad people,† Alice remarked. â€Å"Oh, you can’t help that,† said the cat. â€Å"We’re all mad here. I’m mad. You’re mad.† â€Å"How do you know I’m mad?† said Alice. â€Å"You must be,† said the cat, â€Å"or you wouldn’t have come here.† – LEWIS CARROL, Alice’s Adventures in Wonderland How to cite The Lust Lizard of Melancholy Cove Chapter 11~12, Essay examples

Scott Monk free essay sample

The book RAW is the story of Brett Daltons experience at The Farm, a detention/rehab centre, after being caught breaking into a liquor store at night and stealing alcohol, cigarettes and cash. When he gets to The Farm after an awful, hot, dehydrated trip in the back of a paddy wagon, he is determined not to cooperate or enjoy himself. This does not work in his favour. On meeting most of the inmates Brett makes enemies. He has confrontations with both of the â€Å"main guys† in the detention centre, Josh and Tyson. On the first night he decides hes going to run away. He sneaks out at night and plans on hitch-hiking to civilisation but the first car that picks him up is Sam. After being on the run, and realising how hard his plan is he decides on going back to The Farm. Then he tries skipping class, (which is compulsory). We will write a custom essay sample on Scott Monk or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page When he doesnt succeed he starts arguing with the teacher and gets sent out of class, which is just what he wants. He nicks off to behind the wood work shed to have a smoke, and spots a girl carrying supplies from a truck into the kitchen, he is stunned by her beauty. Eventually he meets this girl, Caitlyn and later they become more than friends. Brett meets up with his ex-girlfriend who has a new boyfriend, who tries selling drugs to Frog, (Bretts room mate) and this causes them, and Josh to cover for each other. When Brett gets up the courage to ask Caitlyn out this come in handy, as the guys covered for him when he snuck out with her, that and the fact that they would but punished to. But things go downhill after he pushes his relationship with Caitlyn too far. She breaks up with him. This makes him angry so he meets up with Rebecca and they steal alcohol and get drunk. This led to Brett drink driving and crashing Sams ute. This led to Sam and Brett constantly fighting and Sam ends up sending Brett the magistrate. When Brett realises that he only has five days left in town he wants to make things right with Caitlyn. This doesnt go well and leaves Brett more heart-broken and angry. Before he leaves town, Brett is forced to go the big Ride (a cattle drive). On the Ride Josh and Brett get paired and learn more about each other. Brett learns the real reason that Josh is at The Farm, he was raped. Brett is later re-arrested by the millicents for his newest crimes, the novel ends with Sam telling Brett that one can only change their own life. Brett now considers Sam to be an old friend of his.

A Predominant Social Barriers on Asian Cultures Essays

A Predominant Social Barriers on Asian Cultures Essays A Predominant Social Barriers on Asian Cultures Paper A Predominant Social Barriers on Asian Cultures Paper According to Health Resources Services Administration, sixty-five to seventy-five percent of all patients seen in a non-profit healthcare clinic live below the poverty level. Providing effective health care to low income families requires an understanding of the potential cultural barriers, which may be faced. These barriers include social, language, religion, and technological issues. The majority of our patients from foreign cultures are Hispanic or Asian. Due to this fact, we will discuss the barriers of dealing with those from Hispanic and Asian Cultures, and offer possible solutions to overcome these obstacles effectively. The number of immigrants entering the United States has been rapidly increasing over the last few years. For instance, the number of Asians in the United States has grown to more than 9 million in 1996. In 1996, there were over 28 million Hispanics in the United States, and the numbers are only increasing. The rapid growth of these two cultures in United States has made overcoming cultural barriers crucial in managing a non-profit healthcare clinic. A predominate social barrier in dealing with those from the Asian culture is their reluctance to disclose personal information to anyone outside of their family. Due to this, they may not be honest and forth coming in giving physicians or other medical staff personal or critical information needed for their treatment. When it comes to healthcare for Asian women, they do not seek out medical care for Gynecological exams because they feel it is an invasion of their body and considered improper and very humiliating for the women. Differences between Asian culture and the American culture are the majority of health issues of Asians are not often addressed in the American health care system. However, the Asian culture is not the only culture that is facing social and economic barriers to healthcare. With the numbers of immigrants increasing, what can we do to ensure that our clinic will be able to address the social and economic issues of all patients? First, we will need to hire someone to act as a cultural liaison, who not only has knowledge about the differing cultures, but can also speak the language. Second, we will need to address these issues and barriers with our clients to successfully seek out ways to eliminate any future barriers we may face. Our educational programs will address issues that range from preventing sexual diseases, use of birth control, and understanding your body all the way to addressing the needs of children. We plan to make our clinic accessible to all low-income families by assuring our potential clients that we are not interested in their legal status, but in the health of their families. We believe by making the clinic’s fees based on a schedule of one’s income, that we are making healthcare affordable for everyone. The 1996 Personal Responsibility and Work Opportunity Reconciliation Act (1996 Welfare Act†) was the major overhaul of the welfare system that many Americans were looking for to decrease the many who are taking advantage of their hard earned money. One of the main points in the welfare reform legislation deters non- citizens from applying for public assistance. Even if they are eligible, they may fear that receiving public benefits will make them inadmissible or deportable. The many health problems that are prevalent in the Hispanic population are due to lack of adequate health care programs available to non-citizens. Due to that lack of citizenship, they are ineligible for federal health assistance programs such as Medicaid, even if their incomes are low enough to qualify. The lack of availability of health care in the Hispanic population is mainly due to their citizenship status; even with low incomes, Hispanics are ineligible for health care programs such as Medicaid. Non-profit health care clinics do not fall under the Public Charge Law, they are exempt from having to verify immigration status, even if they provide a federal, state, or local public service, and they may not be penalized for not verifying immigration status. State and local governments may not impose verification requirements on such organizations. To be exempt, an organization must be both nonprofit and charitable. With over 600 community and non-profit health centers around the United States, the undocumented populations are assured good quality care without having to worry about being turned into the INS. One of the first types of health center being excluded from the Public Charge Law were Federally Qualified Health Centers (FQHC) with the average number of undocumented aliens served a month being 4,316, at the cost of only $3,258 for all (Bureau of Primary Health Care). Another common barrier between cultures is the difference in language. According to the 1990 United States Census Bureau, almost 2,300 people in Oklahoma over the age of 18 do not speak any English. Over 48,000 of Oklahomans are Spanish speaking. One problem language barriers create is the inability of the patients to communicate with the physician. Often, the physician is unable to clearly understand the symptoms the patient is describing. According to Charles Warren, an anesthesia technician at Mercy Health Center, only 8% of the doctors in the hospitals are multilingual. The breakdown in communication between the doctor and patient can multiply the possibilities of a misdiagnosis. This can cause harm to the patient and make doctors vulnerable to malpractice lawsuits. Another danger, associated with a language barrier, is the possibility of the patients misunderstanding the doctor’s instructions for the medication. A solution for this would be to provide an interpreter to assist the doctor while treating this patient. Many healthcare facilities, such has Mercy Hospital, have a variety of employees who are multilingual, so they may be called upon to provide translation between and doctor and a patient. The hospital’s MIS (Medical Information System) tracks these employees. One option currently available is known as a translator box. It is a service available where the attending physician calls an 800 number and is connected with the interpreter company, the physician informs the company what language he/she needs, and within minutes an interpreter for that particular language is online and ready to assist the physician as needed. Another problem is if the patient cannot read or speak English, they cannot understand the forms they must fill out in order to receive financial assistance for healthcare. The government or insurance agencies that require these forms should distribute these forms in needed languages to all health care facilities, or make them available on a website where the language needed can be chosen and then the forms can be printed. A non-profit health center must have a strategy for dealing with religious barriers. For instance, the Mexican cultural mainly practices Catholicism and attends mass regularly. Catholic doctrine states, â€Å"Direct action to prevent the possibility of human life is impermissible in all circumstances, both when a person is living, dying, or yet to be conceived. Thus contraception may not be used because it is direct action against the possibility of life†. Catholicism even goes so far as to publish an online directory called â€Å"Ethics and Meds†. In â€Å"Ethics and Meds†, they offer books that can be purchased like â€Å"Ethical Principle In Catholic Health Care† which adds the point that the Catholic Church wants its congregation to follow guidelines set by the Church. The physician who is legally and morally bound to follow a set standard in providing health care will provide the patient with the needed information regarding birth control. The responsibility should rest, however, on the patient to inform the physician about their religious beliefs regarding birth control Society usually looks towards a licensed doctor to get advice and heal us. When dealing with the Asian person who practices Buddhism, they must take into account that some strands of this religion have a potential for incorporating religion into their beliefs of healing and restoration of health, for example; healing of the soul, and Acupuncture and Bowen Therapy may be two of those ways to heal the soul. Using acupuncture releases the energy channels by putting pressure on a diseased area. Doctors or a therapist uses a needle to prick the skin regulate and correct the flow of energy in the body. The second one is Bowen Therapy, a subtle muscle/nerve/ connective tissue technique. Unlike massage and other manipulations that try to force a change, Bowen simply resets the body to heal itself. The results are profound and lasting, and usually apparent within two or three sessions. A clinic may want to incorporate these different services for its Buddhist patients. When dealing with these two different religions a non-profit health care clinic must find different ways of helping the patient. The patient needs to be forthright in mentioning how they need to be treated. For instance, a practicing Catholic needs to mention to the doctor that they will not need any information on birth control or family planning. A practicing Buddhist should mention they use holistic medicine. The doctor needs to take the initiative to learn about the religious issues so that he/she can practice, or employ a licensed alternative practitioner to provide these services. Today’s medical technology, if available and used properly, can be a huge benefit in operating and managing a low-income healthcare center. Doctor’s skills, along with the latest medical technology have accounted for saving many lives. Many of the Latino counties are considered third world countries and the people there often do not have access to the latest advances in medical technology. Most are not aware they exist. Many times a person of the Latino culture will not seek medical assistance due to the fact they believe there is nothing the doctors can do for them. Many low-income Latinos suffer for a long time with ailments that can result in permanent effects and even death. Not being aware of the latest advances in medical technology, many feel they are better off attempting to treat themselves with a homemade remedy. These remedies are often ineffective and can even make matters worse. Medical education programs that inform people of advances in medical technology need to be more readily available for patients. These programs inform the patients of the benefits of today’s medical technology, and educate them on the numerous ways the doctors can treat the patients effectively. In doing this, patients from less advanced cultures are often willing to seek medical attention promptly. Often a doctor who went to medical school in a third world country is not instructed in the latest in medical technology. In extenuating circumstances, these doctors are allowed visas to the United States as long as the doctor works in an area, which is designated as a HPSA (health physician shortage area). These doctors, not being aware of the technology available to them in the United States, often rely on older and less effective methods of treating patients. In conclusion, we have addressed the social, language, religion, and technological barriers facing a non-profit health care center that affect the Hispanic and Asian cultures. We have also provided solutions to overcome those barriers in providing health care. If non-profit health care centers will incorporate the resolutions, they would be able to effectively provide quality health care to the Asian and Hispanic population. 1. Factors Affecting the Health of Women of Color, 4women. gov/owh/pub/woc/ hispanic. htm 2. Karen A. Woodrow and Jeffrey S. Passel, Post-IRCA undocumented immigration to the United States: â€Å"An Assessment Based on the June 1988 CPS†, p. 53, 3. Bean, Edmonston, and Passel, Undocumented Migration to the U. S. Washington, The RAND Corporation 1990 4. Miller, Theodore Jr. , Holistic Health, â€Å"Medical Irony at Its Best†, http://reikimaster. net/holistic 5. National Catholic Bioethics Center, Ethical Principle in Catholic Health Care, nbcenter. org/cubs_ethicalpriciple. html

Overpopulation in Pakistan Essay Example

Overpopulation in Pakistan Essay Example Overpopulation in Pakistan Paper Overpopulation in Pakistan Paper The qualitative aspects Of population, major factors affecting population growth, Malthusian population trap, the problems created by overpopulation and the possible solutions to the problems. All this will be done with the help of graphs. Introduction: Overpopulation can be defined as the condition where finite resources of a particular area will run out if the population expands beyond a given point. Economics is defined as the social science dealing with the allocation of scarce resources. The earth has a reserve of scarce resources and when the population exceeds a certain level, allocation of these resources becomes official and leads to various economic problems such as unemployment and poverty. Historical perspective: The population of the world has reached six billion. There has been a gradual increase in the world population over the centuries (see table 2. 1 and fig. 2. 2). During the 1 sass the growth rate was low a mere 1. 47%, it further decreased during the sasss. The main reason for this decline was that if at that time an epidemic spread, it ravaged millions of people. Also the infant mortality rate was high but despite the less use of contraceptives, the population growth rate was low. In the decade of 1 970, the population increased very quickly and problems related to overpopulation arose. This made the people realize the need for restricting their families, so after the sasss the growth rate started declining. This is not of much help because there were already a large number of people present on the earth now; the damage had been already done. The population distribution has also affected this. Population density: One very interesting fact is that most of the world population is concentrated in the lesser-developed countries, most of which are in Asia (see fig 2. 3). These countries have limited resources, so the increasing population is a strain on the country. As the people have lesser exposure to the facilities of living, they remain unaware of problem of population and continue to have large families. In comparison to the world growth rate the, the growth rate of Asia only started to decline during the sasss. It means that the more developed countries, which are mostly located in the west, mainly offered the reduction in growth rate. As the lower developed countries were unable to control population growth, they were unable to develop themselves. They are aught in a dilemma; a lot of labor force but most of the available human force were not productive. Purpose of Assignment: Our aim is to analyze the overpopulation problem in Pakistan. Although the population has qualitative as well as quantitative aspects, we will focus mainly On the quantitative aspects. Overpopulation poses threats to the society and the economy. Our focus is the economy but we will also discuss some social issues, relating to the economy. Relationship between population and economic development: Production level of a country can be boosted by the working capacity of the population. Population is playing a double role in the process of economic development of third world countries. It provides labor force for economic development and is also a burden on resources. Population in Pakistan include: Growth rate, birth rate, death rate and migration.

Bodybuilding is unhealthy sport Essay Example | Topics and Well Written Essays - 1000 words

Bodybuilding is unhealthy sport - Essay Example Nevertheless, bodybuilding is an unhealthy sport, which has sparked criticism from various scholars. Some of the major concerns include; Notably, bodybuilding is not a simple walk in the park or a visit to the gym. It is a process of using various additives meant to expand muscles and ensure various parts of the body grow at advance rates. According to research, body builders require anabolic steroids to realise an outstanding muscle and body mass. In as much as, people have argued against the use of drugs, apparently they promise a higher amount of returns as compared to pure exercise. In special circumstances, competitive bodybuilding encourages the use of different drugs. These additives, however, are not digestible but have long-term effects on the consumers. For instance, drugs like diuretics used during competition are more dangerous than steroids. Despite the availability of exceptional genetics, which support body building and positively respond to it, over half of body builders make use of drugs (Labrada 27). In this light, bodybuilding is a lifestyle trend rather than a health concern intended to improve we ll-being. Based on belief, bodybuilding should be a lifestyle where the people involved combine a good nutrition with training to gain more strength and muscles. However, contrary to belief, body builders have an incredible dieting system aimed at creating a competitive muscle system. It is a sculpting process that takes away more things from the body than the physical admirations depicted in the public domain. In the process of keeping a specific diet, they dehydrate the body; drain the limited energy hence affecting functionality of different organs. Additionally, bodybuilders eat given types of food in excessive quantities not good for the body. For example, many bodybuilders have a habit of eating double or triple what

International human resource Essay Example | Topics and Well Written Essays - 2250 words

International human resource - Essay Example The earlier concept of negotiating with a central trade union and implementing the issues agreed upon in workplace is no longer the norm nowadays. Work councils have been developed, which has similar and dissimilar functions to trade unions (Prahalad and Doz 1987). This essay discusses the functions of work councils, particularly in decision-making and employee participation. It also differentiates work councils from trade unions. This paper focuses on the German work councils and trade unions, so that a particular context will be explored in relation to the concepts of work councils and trade unions. It argues that the German work councils are supporting the social and cooperative model of work relations, which are not antagonistic with trade unions, but may soon lead to the inevitable decay of the latter. This essay discusses the modern-day background to the German system of employment relations, because it is the context of work councils. There are two major perspectives about the present German system of employment relations. The first school of thought stresses that Germany’s employment relations have become more â€Å"corporatist† because of the expansion of liberal welfare and decentralised employment policies (Brenke 2004; Seeleib-Kaiser & Fleckenstein 2007). â€Å"Corporatist† means that the employment system of Germany experiences weaker collective bargaining power, as evident in the lesser number of collective bargaining agreements (Brenke 2004). Moreover, the government also signed laws that liberalised and rationalised the employment relations system. Since the late 1960s, the Labour Promotion Law of 1969 aims to remove â€Å"substandard employment through various instruments of active labour market policy (ALMP)† (Seeleib-Kaiser & Fleckenstein 2007: 429). ALMP seek to offer social services to the unemployed, and help them find jobs. ALMP devices have lesser prevalence, after Germany’s unification, because the sta te decided to focus on making firms more cost-effective (Seeleib-Kaiser & Fleckenstein 2007: 429). The ALMP has then been changed to emphasise employment instead of training and employment standards, which is again a sign of liberalisation policies of the state (Seeleib-Kaiser & Fleckenstein 2007: 429). These articles also asserted that Germany’s state of employment relations is more decentralised and less unionised than in the 1980s (Seeleib-Kaiser & Fleckenstein 2007: 429). The school of thought of the German employment relations system argues that Germany experiments with employment relations system and is becoming more like a mixture of cooperative and social partnership system (Behrens & Jacoby 2004; Berg 2008; Marsden 2008). These sources stress that Germany is developing its own strain of employment relations with industrial relations character (Berg 2008; Brettschneider 2008; Doellgast 2009). Behrens and Jacoby (2004) studied Germany’s most globalised sectors: chemicals, metalworking and construction. Findings showed that each industry developed in relation to the experimentalist ideals and actions of trade unions, as they struggled to expand employment strategies that can progress their interests. Berg (2008) added that Germany is more flexible in many ways, and not standardised in its adaption of plant or industry agreements. These articles supply theoretical and empirical foundations for the evolution of the German employment relation system into something more simultaneously liberal and collective. The new economy

Globalization Assignment Example | Topics and Well Written Essays - 250 words

Globalization - Assignment Example Clearly, the author locates much emphasis on the favorable side of globalization notwithstanding how competition would fare somehow if allies prove to struggle with success. Implicitly, the idea felt it would bear adverse impact on working class as a consequence of the necessity to increase production, with long hours of work and reduced time for break hence. Without guarantee of additional compensation, Fiat may run the risk of losing employees especially the tenured ones who have lived up to align their type of service and principle with the company’s vision and have accomplished goals on every item with unparalleled quality. Though the article appears enthusiastic with Mr. Marchionne to keep an eye on a 50% rise in sales in four-year time, since shareholders are bound to augment their share from either group or grow in number, Fiat might reach a point of obtaining lesser shares or dissolution of ownership at worst (Madslien). So in essence, globalization for Fiat in this overwhelming scenario amounts to moderate predictability on the positive side until such time that the risk factors could be directed to settle at the manageable advantage by the

Human Resource Practices At Hbl Commerce Essay

Human Resource Practices At Hbl Commerce Essay Habib Bank Limited (HBL) commenced its operations in the year 1947. It has the privilege of being the first bank to establish itself in Pakistan after independence. From there on, the bank has taken leaps and bounds and has shown tremendous growth in the field of banking. It has now because the largest private sector bank in Pakistan. It has customer base of around five million people. HBL has around 1705 branches across the countries. HBL also has international presence in around 26 countries. The bank has subsidiaries in Hong Kong and United Kingdom, it has affiliates in Nepal, Nigeria, Kenya, and Kyrgyzstan. HBL also has representative offices in China, and Iran. The vast international network makes HBL the largest domestic multinational. Such achievements strengthen the position of the bank not only in the domestic market but also brighten the image of the bank in the international market. The company is now planning to expand its operations in UAE, UK, South and Central Asia, Africa, and the Far East. HBL has 55 branches worldwide. The commodities offered by HBL include product offerings and services in Retail and Consumer Banking. The bank has the honor of holding the largest Corporate Banking portfolio in Pakistan with an active Investment Banking arm. Small Medium Enterprise (SME) and Agricultural lending programs and other banking services are made available to customers residing in urban and rural areas. The company leads the market by holding a domestic market share of 40 percent. HBL continues to dominate the domestic banking sector with a major share-holding in foreign remittances and loans to SMEs, traders, and farmers. HBL is currently rated AAA (Long term) and A-1+ (Short term) with stable outlook and has a balance sheet size of USD 13.82 billion. It is the first Pakistani bank to raise Tier II Capital from external sources. (Habib Bank Limited, 2012) HBL has always led the market with example of quality performance and extra ordinary treatment with the clients. It has adapted with the changing times and evolved its practices as well for the betterment of the company. The company has its headquarters in Habib Bank Plaza, Karachi. Company History HBL was founded by late Mr. Ismail Habib on 25th August, 1942 at Bombay. At that time it was the first Muslim bank to be established in the Indian Sub-continent. It was initiated with a capital of Rs 2.5 Million with a mere 12 branch network. (Ayaz, 2011) Prior to Pakistans independence, Quaid-e-Azam during his campaigns realized the importance of a bank that was going to cater to the needs of the Muslims residing in Hindustan. He requested the Habib family to establish a commercial bank. Habib Bank Limited was thus created in 1941. The head office was located in Bombay (now Mumbai). The fixed capital was 25,000 rupees. The bank played a vital role in utilizing the funds from the Muslim community to finance The All-Indian Muslim League for the establishment of Pakistan. HBL also helped the refugees who were hurt in the communal riots and violence that preceded the departure of British. After independence HBL shifted its headquarters to Karachi. Habib Bank Limiteds first international branch was setup in Colombo, Sri Lanka, in 1951. The bank started its international from this year and never looked back after that. In 1975, the company built the Habib Bank Limited building in Karachi to celebrate its 25th anniversary. (Habib Bank Lmited, 2012) The company was nationalized in Zia-ul-Haqs era. Prior to nationalization, HBL had a domestic market share of about 40 percent. After nationalization HBL continued to dominate the market and held a major share in inward foreign remittances (55percent) and loans to small industries. The company expanded its international boundaries and covered USA, Singapore, Oman, Belgium, Seychelles, Maldives, and the Netherlands. (Habib Bank Lmited, 2012) A decade after nationalization, HBLs annual profit was more than twice the combined profit of all the other commercial banks operating in Pakistan at that time which included United Bank Limited, National Bank of Pakistan, Allied Bank limited and Muslim Commercial Bank. HBL had been a source of rapid economic development in the state since its establishment. It financed various government transport schemes, agricultural schemes and leases over the years and remained the largest and one of the most profitable government entities till its privatization. (Ayaz, 2011) It is believed that HBL presented a blank cheque to Muhammad Ali Jinnah at the time of birth of Pakistan. The bank also looked over the initial financial matters of the state by assuming the status of the state treasury till the state bank came into existence. HBL therefore had been very close to the government of Pakistan since it was established due to these significant reasons. Vision Enabling people to advance with confidence and success (Habib Bank Limited, 2012) Habib Bank Limited wishes to see its customers excel in their lives with confidence. The vision of HBL is targeted towards the domestic market and focuses on fulfilling their needs and requirements in order to give them satisfaction, confidence, and the comfort they deserve. According to Rieches, 2012 the vision statement of a coporation provides a platform to inform competent personnel, create strategic alliances, and most importantly loyal customers. It is really a depiction of desired destination. The destination that the corporation wishes to arrive at. It is a long term long goal established by a corporation which reflects where the it wishes to see itself in the future. HBL vision statement is not a very strong vision statement. It does not clearly define where the company wishes to itself in the future. The vision statements are usually one liners and within this limitation the long term goal is defined. HBL however has failed to do so. From the vision statement the readers are not able to gauge about the future plans of the company and what it wants for itself. It does talk about its customers and their benefit. Customers is just one very small part of it. The corporate goal is the most significant thing to be mentioned in the vision statement. The focus of the company only remains on its customers. The vision to help the customers grow is in the right direction but the other stake holders are being ignored. That however is not a good strategy. It does not mention its shareholders, future plans, furture expansions etc. It also does not mention whether the company wants to remain the market leader or not. There is immense competition in the local market and it is no longer easy to survive in this fierce competition without having a crystal clear vision. The vision statement of the company is a weak statement and does nor portray or convey the future plans of the Bank. The statement leads to a lot of questions and it has a lot of ambiguities. Mission To make our customers prosper, our staff excel and create value for shareholders (Habib Bank Limited, 2012) The mission of HBL discusses its customers, employees, and the shareholders. The statement mentions three of the most important dimensions of the company. The main aim of a mission statement it to outline the short or medium term goals of an organization so that the employees can make strategies accordingly. Mission statements are given an enormous importance by the strategists. They consider it to be a reflection of how company is being operated and which direction it intends to take on. It is said to explain the core purpose of companys existence. Famous names in the field of strategic management consider mission statements to be a corner stone of an organization, and believe that a well thought out mission statements tells a lot about an organization (Wheelen Hunger, 2010). They identify nine important components of a mission statement. Though all of these might not be included, or be necessary, but their presence in the mission statement does make the mission statement powerful and gives it ability to make an impact a well. These components include customer, products and services, markets, technology, concern of survival, growth profitability, philosophy, self-concept, concern of public image and concern of employees (Adam, 2009). The researcher has used these nine components as gu ideline to analyze the existing mission statement of Habib Bank Limited. HBL mentions the first component, its customers first. It puts the customers and their betterment as a top priority. That is a very sound strategy. The bank is operation in a competitive market and if it does not follow a consumer centric approach then it is likely to experience downfall in its popularity. Therefore placing the customers as the first and foremost priority is a good strategy that is used by the company. The company indirectly promises to work for the success of its customers and make them prosperous in their life. There is another important dimension covered in the mission statement, the employees of the bank. The employees play a vital role in establishing the company in the market and eventually making it a leader. The mission statement of HBL talks about its employees and providing them with opportunities which would help them excel in their careers. This is a good strategy again. If a company is taking care of its employees it is very likely that the employees are going to work with loyalty for the betterment of the company. It mentions its customer, but more clarification would have been ideal. Its products and services are not clear at all, whereas other components of a powerful mission statement including markets, technology, concern of survival, growth and profitability, philosophy, self-concept, concern of public image and concern of employees is totally missing. Therefore this is a weak mission statement, which could be improved by incorporating these components in to it. Mission statements are often a little more elaborative, than the one under consideration, which conveys a much clearer picture of the organizations mission, purpose and objectives to its stakeholders. Habib Bank Limited should improve its mission statement. Make the component mentions in it more clear and make it more useful for its stakeholders. Values Our values are the fundamental principles that define our culture and are brought to life in our attitudes and behaviour. It is our values that make us unique and unmistakable. (Habib Bank Limited, 2012) Value of a company describes the traits and qualities that shape daily actions with the internal community, customers, and suppliers. These values shape corporate culture when they become deeply held driving forces and high priorities. (Rieches, 2012) Excellence This is at the core of everything we do. The markets in which we operate are becoming increasingly competitive, giving our customers an abundance of choice. Only through being the very best in terms of the service we offer, our products and premises can we hope to be successful and grow. (Habib Bank Limited, 2012) Integrity We are the leading bank in Pakistan and our success depends upon our trust. Our customers and society in general expect us to possess and steadfastly adhere to high moral principles and professional standards. (Habib Bank Limited, 2012) Customer Focus We understand fully the needs of our customers and adapt our products and services to meet these. We always strive to put the satisfaction of our customers first. (Habib Bank Limited, 2012) Meritocracy We believe in giving opportunities and advantages to our employees on the basis of their ability. We believe in rewarding achievement and in providing first-class career opportunities for all. (Habib Bank Limited, 2012) Progressiveness We believe in the advancement of the society through the adoption of the enlightened working practices, innovative new products and processes, and a spirit of enterprise. (Habib Bank Limited, 2012) Operational Structure HBL is one of the largest commercial bank of Pakistan. It accounts for a substantial share (20percent) of the total commercial banking market in Pakistan with a network of 1,705domestic branches; 55 overseas branches in 26 countries spread over Europe, the Middle East, Far East, Asia, Africa and the United States. (Ismail, 2009) HBL wholly owned Subsidiaries namely Habib Bank Financial Services (PVT) LTD. Karachi, Habib Finance International Ltd. (Hong Kong) and Habib Finance Australia Ltd. Sydney; two Joint Ventures namely Habib Nigeria Bank Ltd. (40%) and Himalayan Bank Ltd. (20%). Habib Bank Limited also has two representative offices in Iran and Egypt. (Ismail, 2009) Organization Structure Organization structure defines how job tasks are formally divided, grouped, and coordinated. There are six key elements that managers need to address: work specialization, departmentalization, chain of command, span of control, centralization, decentralization, and formalization. (Robbins, Judge , Sanghi, 2010) Chairman President Board of Directors Senior Vice President Senior Vice President (Finance Audit) Senior Vice President (Asset Remedial) Senior Vice President (Corporate Banking) Senior Vice President (Corporate Banking, Financial Institute, Project Finance) Senior Vice President (Credit Policy) Senior Vice President (Retail Banking) Decision Making The decision making process at HBL is centralized. All the decisions are taken at the top level of the management without any consultation with the lower levels of the hierarchy. According to Famous names in the field of organization behavior define centralized decision making of being concentrated at a single point in the organization. (Robbins, Judge , Sanghi, 2010) The lower-level managers simply have to carry out the top managements directives. A centralized structure reflects a more rigid and strict culture at the organization. It is not considered to be a very responsive structure. Chain of Command The chain of command is an unbroken line of authority that extends from the top of the organization to the lowest echelon and clarifies who reports to whom. (Robbins, Judge , Sanghi, 2010) Chain of command identifies which employee is to report to whom. In HBL chain of command is clear and every employee knows their direct supervisor and to whom he can report. The company is using a unity of command chain of command. This particular type keeps the concept of unbroken line safe and ensures that the employee has one supervisor only to whom the employee is to report. If the unity of command gets broken then the employee might have to respond to the demands of two or more supervisors. Organizational Strategies There are primarily two main types of strategies adopted by the human resource department of an organization. In an interview with the Following are the two main strategies followed by the Human Resource department of Habib Bank Limited: Corporate Strategy HBL focus on two types of corporate strategies Geographic Expansion In this new era of 21st century it would not be wrong to call the world a global village. With the introduction of revolutionary technology the ends of the world are able to communicate with just a click. HBL is trying to capture different international markets by geographically expanding its operations. Diversification In todays competitive world only those companies are able to survive who are the fittest. The key is to either target a particular untapped market or target the needs of several different segments. The latter strategy ensures a wider coverage of the market and as a result increases the market share. HBL is following diversification strategy to tap different segments in the market which possess different needs. HBL introduces different services in intervals to entertain the needs of its diversified customer line. Business Unit Strategies Following are the business unit strategies for Habib Bank Limited: Cost Leadership The cost leadership strategy allows the firm to develop a competitive advantage in the market by keeping the costs as low as possible. The company is able to achieve cost leadership through efficient and effective production system. HBL follows this strategy by providing services to customers at costs lowers than the competitors. Differentiation Differentiation according to Micheal Porter is highlighting the distinctive competencies in a firm which would make the firm stand out from its competitors. HBL is following this strategy to provide unique services to its customer in the banking industry. Human Resource Department According to (Dessler Varkkey, 2012) Human resource is the process of acquiring, training, appraising, and compensating employees, and of attending to their labor relations, health and safety, and fairness concerns The human resource department of HBL tries to perform the same duties as mention by Dessler Varkkey. The department plays a significant role in creating value for the bank. HBL has a very efficient and active human resource department. It consists of competent employees who formulate strategies according to the local and global needs of the industry and employees. The department also skillfully tackles different problems related to the HR department. The department plays an active role in making the bank more successful every day. Over the years, HBL has adopted customer oriented approach in the recent years due to the changing market dynamics. In order to cater to the needs of these customers, the employees of HBL play a vital role. Therefore, in order to keep the employees happy and satisfied with their work, the HR department tries to take care of their needs and requirements in timely fashion. The department takes care of the companys asset the employees and hopes that the asset would pay the company back with full interest. Human Resource Strategies The Human resource department of Habib Bank Limited has six main strategies: Workflows In order to maximize the profits, HBL has planned a mix of long term and short term goals. These goals are designed in a manner that they would help HBL achieve a competitive edge over its competitors. The following measures are considered for this regard: Risk Management Unified Information Technology System Intensive Training and Professional Recruitment Re-organization of the Consumer and Retail Banking Business Information Technology system enhancement Product offering enhancement Advancement of Operations in urban areas Recruitment and Staffing Employment planning is where the recruitment and selection process commences at HBL. This process starts with the forecasting and planning of human resource required for the current and future positions. The process of selection and recruitment process is carried out tactfully and all the dimensions of the candidate are analyzed carefully. Future prospects are also identified while hiring the candidate. Skills, personality, attitude, knowledge are some of the aspects of the candidate which are judged carefully during the recruitment process. Vacant PositionRecruitment Process Forecasting of Positions Identify Pool of Candidates Develop pool of candidates Monitoring, Tailoring Development Screening / Short Listing Final Selection Recruitment and Selection Source: (Shahid, 2012) Employee Separations HBL has started a program which offers voluntary retirement schemes to employees. The employees get a golden handshake in return. The new term for golden handshake is Voluntary Separation Scheme (VSS). This scheme offers a special incentive to the employees who opt for the scheme and provides them a lump sum amount which equals to the salary of twelve months. Employees who work with the bank for a decade or more are entitled to the pension plan. This plan is going to help the employees in a manner that they will have no financial obligations after they have retired. Performance Appraisal Evaluating an employees current and past performance relative to its performance standards is called performance appraisal. A process that consolidates goal settings, performance appraisal and development into a single common system to ensure that employees performance is according to companys aims is called performance management. Ratings as practiced in HBL consist of following five kinds of factors. The following factors are put into consideration while reviewing the performance of an employee and making an appraisal: Productivity Attributes Technology Customer Service Personal Training According to (Dessler, A Framework for Human Resource Management, 2011), training refers to the methods employers use to give new or present employees the skills they need to perform their jobs. HBL follows the follows a four step following process. The training process is as follows: Needs Analysis Identify job performance skills needed, assesses skills of prospective trainees and develop objectives. Instructional Design Produce the training program content, including workbooks, exercises, and activities. Implementation In this step the process gives an opportunity to the trainees to experience situations close to practical life.   Evaluation In this step the success or failure of the program is assessed. Source: (Shahid, 2012) Training and Development Programs HBL uses the following practices for training and development of its employees: Management Trainee Management Trainee Officer (MTO) program looks for highly motivated candidates who exhibit the potential to become future leaders. At HBL, the MTO program offers extensive interactive classroom training, on the job rotations and personal mentoring from senior management to provide a comprehensive learning experience. Management Associate Management Associate Program at HBL is a training and rotational program. The program particularly focuses on handling the branch banking requirements. It also provides numerous opportunities across HBLs network of Retail, Corporate, and Commercial Banking. Cash officers Candidates in this program are the bank ambassadors. Therefore they are required to have exemplary skills when interacting with the clients. The program involves an extensive one-month training period based on branch banking operations before placement in one of the branches. Types of Processes On the Job Training It is when the new employee learns about the job by actually doing it. Methods of on the job training are as follows: Understudy Job rotation Special assignments Action learning Understudy It is also known as coaching. Under this method the employee is placed under the supervision of a professional employed at the organization. The professional provides guidance to the new employee. At HBL, the trainee works under the supervision of a senior manager. The trainee may also work with the employee to be replaced. It takes place at all the levels of the job. New and old, both the types of employees are trained with the help of this method. Job Rotation Job rotation is when an employee is moved from one department to another to not only broaden the skills of the employees but also to analyze the strong and weak points of the employee. HBLs manager associate program makes use of this type of training. Special Assignments Special assignments are given to the employee by the supervisor. These are assignments or tasks to be done within the premises of the branch. Based on the way the task is completed the supervisor analyzed the performance of the employee. Action learning This method is only to be used for the employees based at the managerial level. Under this method, the employees are to work full time in one department. The employees are assigned to take care of the problems which arise and provide relevant solutions for the problems. Compensation The salaries, rewards, bonuses, and incentives on the basis of job and performances are called compensations. HBLs compensation and benefits strategy combines the need to maintain a high performance culture along with market competitiveness. According to performance each employ gets benefits and compensation. Tenure duration is less preferred as compared to the performance of employees. Employees are paid in two forms: Direct Payments These are the payment in the form of wages, salaries, incentives, commissions, and bonuses.   Indirect Payments This mode of payment includes the benefits and perks that are given to the employees for example medical, car, insurance, residence, car fuel, easy loans etc. Industry Analysis The Banking sector is an integral part of the countrys financial services industry. The banking sector experienced growth in 2001 03. During this tenure the deposits rose almost by a 100 percent. The competition is high in the industry with the presence of local and foreign banks. Almost a decade ago, opportunities for foreign banks, especially in consumer and retail banking, were greater  than ever before. In the financial year of 2004-05, the banking sector experienced growth rates of 21% and 36% in its deposit and advances portfolio respectively. This helped improve the stability of the banking sector as compared to 2003 04. (Pakistan Banking Sector, 2009) A significant shift of focus from industrial lending to consumer products has allowed the banks to enjoy enormous spreads. However, the manufacturing sector is still enjoying the highest share in credit facilities extended by the banking industry (Pakistan Banking Sector, 2009). Initially the banking sector was only catering to the needs of big corporations and the government. However after the reforms the sector is now entertaining the middle class as well. The industry was passing through a transitional period from long established patterns and norms to the unknown land of threats and opportunities. The following are the few areas in the banking industry which have witnessed change over the years: Diversity within the commercial banking industry The following segments have experienced change in the few years: operations, market focus, advertising, and use of information technology. The banks are now concentrating more on developing and establishing distinctive image as compared to their competitors. The banks are doing this by introducing unique products in the market. Intensifying Competition The competition in the banking industry has deepened over the years. It has become fierce over the years. There are a few factors who have contributed to the increasing competition. Increased consumer awareness about the different products and services being offered by the banks has increased the competition. The banks in such a situation can no more enjoy saving the deposits of the consumers at lower rates. Such situations may actually force the banks to lend their money to customers which might have a high risk. Profit trends The ratios indicate a growth in the market. There have been a few dips in the market but overall the industry has seen an upward trend over the years. Soaring Loan Losses Troubled loans are regarded as a cancer for this industry. The quality loans are the ultimate goal for bankers in the 21st century. Mergers Mergers have taken their toll in this country. Over the years the country has witnessed many mergers for example Union Bank with Standard Chartered etc. The purpose is to hold on to as much market share as possible and to tame the increasing competition. however there are some setbacks as well for example, the economies of scale after a certain level of expansion no longer exist for the merger. Structure of the Banking Industry Pakistan being a developing country has a relatively low level of income. The required growth rate as a result is also low because of low savings. The standard of living and quality of life are terms still stranger to the people of this country. The foreign aids have been the bridging gap for us between our savings and investments. Nevertheless these aids have become the drowning forces for our country. IMFs main objective for Pakistan is to maintain stable exchange rates, multi-lateral credit system and international liquidity in order to recover from its worst economic crisis. (Pakistan Banking Sector, 2009) Structure of the Pakistani banking sector has substantially changed in the last decade,  particularly following the privatization of the state-owned banks. In 1990, the banking system was dominated by five commercial banks which were all state-owned. The 1990 amendments to the Banking Companies Ordinance launched the process of  financial sector reforms by allowing privatization of the state-owned banks. During the first round of reform, two of the state-owned banks, Muslim Commercial Bank  (MCB) and Allied Bank (ABL), were privatized between 1991 and 1993. The reforms  process was subsequently delayed for several years and resumed significantly only in the early 2000s. With the privatization of the third large bank, United Bank (UBL), in2002, the domination of the state-owned banks was ended. As of September 2003, the asset share of local private banks and public sector commercial banks was 47 percent and 41 percent respectively. Another large state-owned bank, Habib Bank (H BL), completed its privatization n process in February 2004. As a result of this privatization, the share of banking system assets held by public sector  commercial banks decreased to less than 25 percent. The largest bank in the country,  National Bank of Pakistan (NBP), with a market share of approximately 20 percent, remains state-owned and its privatization prospects are uncertain at this stage, although the government divested approximately 25 percent of its capital in 2001-03. A lot of endeavor has been put in the sector in recent years to promote Islamic banking in Pakistan. Numerous conventional banks have also opened up their branches to provide financial services to the consumers. Lately, the banking sector has diversified its product base and carried out a lot of innovation. They have included different customers like the agriculture sector, SMEs, mortgage financing and consumer financing in their customer list. Not only that this diversified lending  portfolio mitigates risks but it also raises the purchasing power of a large segment of  population that was completely shut out from credit markets. Pakistans auto industry has expanded its car production by a multiple of five times in the last four  years as auto finan

Low Participation Rates amongst Latino Parents in Education and Metho

One of the most crucial topics in education is the involvement of parents in their child’s school as well as their education. For the past few decades research has been conducted about the involvement of parents in their community schools as well as the influence that is has. However, it has been noted that it is within minority communities and families where there is the least amount of involvement in their child’s school and education, more so in Latino communities. Although the amount of involvement does not necessarily reflect the parents concern of the child’s academic performance, educators have proclaimed that parental involvement does in fact help the student perform academically better: â€Å"Various studies indicate that parental involvement is salient in determining how well children do in school at both the elementary and secondary school levels† (Christian et. al., 1998). Yet, it has come to many educational leaders attention that there has b een a steady decline in parental involvement across the country and Latino and other minority communities seem to have the lowest number of participation in their school. Many researchers have investigated and still do to find the cause of why there is a lack of parents involved in school within these minority communities. â€Å"Parental involvement has become of the centerpieces of educational dialogue among educators, parents, and political leaders. The presence of more parents in the workforce, the fast pace of modern society as a while and the declining role of the family have all been reasons that some social-scientist have pointed to explain an apparent decline in parental involvement in education†(Coleman & Hoffer, 1987). This is one of the growing believed reasons in why there ... ...viting parents no matter the gender, class, or race to become involved in their school. Martinez-Cosio’s case in her article is a perfect example of what occurs daily to parents whom try to get involved, more so Latinos. However, this is not always the case. Researchers are digging deeper into the more emotional aspect of why Latino parents tend to lack in parental involvement in the schools. â€Å"The women felt that the school was an extension of their home, and that the teachers served as surrogate mothers† (Ramirez, 2003). Latino women see school as another home for their child as well as see the teachers as another mother to their child; therefore, it is easy to conclude that mothers do not participate in their child’s school because they believe that the â€Å"surrogate mothers† take care of everything involved within the school while they take care of home issues.

Anatomy and physiology of the human body Essay

Each week, the discussion questions will examine issues in the reading. This thread is meant to foster a better understanding of the anatomy and physiology of the human body and how that knowledge is applied to in real life situations. Discussion responses should be on topic, original, and contribute to the quality of the discussion by making frequent informed references to lesson material. Initial discussion responses should be around 100 words; responses to your classmates or instructor should be around 75 words. Make two or more responses to classmates that are thoughtful and that advance the discussion of each topic. Your initial response is to be made no later than Saturday 11:59 PM of the current unit. Additional responses are to be made no later than Tuesday 11:59 PM of the current unit. Your posts are to be substantive, referenced and free of grammatical and spelling errors. When you are ready, respond to one of the topics below. Please be sure to specify which topic you are responding to. 1. Discuss the different types of blood vessels and how their structure is uniquely suited to their functions. 2. Choose a major region of the body (for example, the thorax) and discuss the arteries and veins of that region. 3. Discuss the positive and possible negative effects of exercise on the cardiovascular system. 4. Identify and discuss the primary factors involved in the generation and regulation of blood pressure and explain the relationships among these factors. 5. Explain why a pressure difference must exist between the aorta and the right atrium. 6. Explain hepatic portal circulation. How is it different from normal circulation, and what advantages are gained from this type of circulation? This is a fun topic for a fitness trainer. The cardiovascular system is complex, but it’s even more complex when you start to factor in exercise while explaining it. Aerobic fitness is an important component of physical fitness. When your muscles need oxygen, your aerobic (cardiovascular) system must be able to efficiently deliver it to them. When your body has waste products that need to be expelled (e.g. carbon dioxide and metabolic waste products), your heart-lung complex must be up to the task. These two tasks form the functional basis of aerobic fitness. Positive effects include increasing your level of available energy, aid in relieving depression, reduce the risk of heart disease, increase the good (HDL) cholesterol. Everyone needs to be able to efficiently take oxygen into their lungs and blood and pump it to their working muscles where it is utilized to oxidize carbohydrates and fats to produce energy. If you are concerned about your health, particularly the risk of heart disease, you need to accept the fact that aerobic training can have a critical effect on the quantity and quality of your life. Some negative effects of exercise on the cardiovascular system can include a possible heart attack or stroke. Some people can tend to push themselves to hard or they can start off working out by pushing their heart a little harder than it’s used to. It’s not a very good idea to go out and try to run a marathon if you’ve spent most of your life sedentary. I used to be one of those people until I found out in 2007 that I had Tachycardia (a heart rate that is too fast). I had to adjust my workouts to accommodate the situation to include slowing down my runs and taking longer rest intervals when lifting weights.