Winged Writers Enlighten Essay Example for Free

Winged Writers Enlighten Essay Collins’ rhythmic poem, â€Å"Ornithography,† paints a bright, hopeful picture of birds beginning their day in thoughtful, purposeful ways. A light snow that fell in the night does not deter these birds. Instead, this morning offers them renewal, hope, and opportunity. Bright possibilities abound below a high breeze that will soon expose the sun above the dispersing clouds. The birds neither waste this morning nor miss their chance for expression. The various birds are anything but simple as they scurry about and get their work done. Under the feeder, several compose light works as they mix pleasure with sustenance. While a robin engages in self-reflection, a crow lays down his opinion on current events. Even the young chick is thoughtful and busy with a list. Unlimited by their binary alphabet, they are busy as bees. A captivated observer watches the prolific birds in silence and wonder behind the clear barrier of a pane. She is motionless as she marvels at the sophisticated scribes. Small wings and thin legs move quickly, but much more slowly than their intensely active minds. The girl behind the window realizes that little birds with little brains are capable of expansive thought and expression. So, she has boundless possibilities for action and expression with her complex mind and an alphabet that contains twenty four more letters. Suddenly, the busy birds took flight. Were they startled by a predator or a canine wail? More likely, these sophisticated little creatures disbanded in unison after agreeing for a change of scene on this glorious morning. The sun breaking through the clouds spurred them to rise toward the high wind. While floating on the zephyr, they could reflect on writings and revisions. And, the girl could watch and wonder about how to put this bright day to its best use.

term insurance Essay examples -- essays research papers

Why buy life insurance? Many financial experts consider life insurance to be the cornerstone of sound financial planning. It is generally a cost-effective way to provide for your loved ones after you are gone. It can be an important tool in the following ways: Income replacement For most people, their key economic asset is their ability to earn a living. If you have dependents, then you need to consider what would happen to them if they no longer have your income to rely on. Proceeds from a life insurance policy can help supplement retirement income. This can be especially useful if the benefits of your surviving spouse or domestic partner will be reduced after your death. Pay outstanding debts and long-term obligations Consider life insurance so that your loved ones have the money to offset burial costs, credit card debts and medical expenses not covered by health insurance. In addition, life insurance can be used to pay off the mortgage, supplement retirement savings and help pay college tuition. Estate planning The proceeds of a life insurance policy can be structured to pay estate taxes so that your heirs will not have to liquidate other assets. Term Life Insurance Term life insurance provides a death benefit only if death occurs during the "term" or coverage period of the policy. If you outlive your term or quit paying premiums, your policy lapses and is of no value. Term life insurance plays a vital role in proper financial planning. People who buy term may do so for several reasons such as: Temporary need - They have a temporary need, which lends itself to a temporary solution, i.e., raising children, education, paying off a mortgage, a business buy/sell agreement. Affordability - Term premiums are very affordable. If you're in excellent health, you can get a lot of coverage for very little cost. The Gamble 95% of all term policies go unpaid. In other words, if you took a random sample of 100 people who purchased term insurance, 95 of them would outlive their terms. The insurance companies know this. That is how they can afford to offer a 45 year-old male $250,000 worth of coverage for a 20-year term for only $375 per year. They've crunched the numbers and are willing to bet that you and a whole lot of other people are going to outlive your policies. Because term is inexpensive, there is much less commitment. When you want o... ... investment performance, especially with variable life. Unlike stocks or mutual funds, tracking sub-account and overall investment performance is quite complicated because one must consider all of the charges, which are changing constantly. The following are some guidelines we use to help determine what type of insurance you should buy: You Should Buy Term If You: only need coverage for a specific period of time, - like a house mortgage or until your children are independent. need a lot of coverage and can't afford permanent have low cash flow - if you're living paycheck to paycheck and don't think you can keep up with the permanent payments, triggering surrender charges. have other investments and are committed and self-disciplined to make regular deposits. don't want the commitment required from permanent insurance You Should Buy Permanent Insurance If You: have a high net worth and are seeking a tax-advantaged investment don't want to risk outliving your term and having nothing to show for it understand that permanent insurance is a long-term commitment need insurance for estate planning purposes want forced savings want guaranteed life insurance for life

How important are the chapters one to three in Great Expectations? Essa

How important are the chapters one too three in Great Expectations? What does the reader learn about the social and historical, from these chapters? The setting from the start of the book is very important, from the unwelcoming and stereotypical graveyard that give the book a starting tense and exiting mood, and the humble blacksmiths that acts as a platform for Pip's expectations and the opposite setting to much of the grander scenery in London. The graveyard at the start of the book is typical example of how the setting contributes so well to the story and the atmosphere; this is just one of the more obvious examples. Starting the book in a graveyard quickly informs the reader of a lot of information about Pips history that under different circumstances would have taken a lot longer to explain; things like Pips parents and family were quickly and briefly explained to the readers via the gravestones and Magwitches asking "Where's your mother?" and Pip's response being "There sir" as he points to his Mother, Father and five sibling's gravestones. The graveyard is...

The Meaning of a Quote

â€Å"When one door of happiness closes, another opens; but often we look so long at the closed door that we do not see the one that has been opened for us. † Helen Keller Body: As we have known, most people are too attached to the past, to what they are familiar with. Therefore, they will miss opportunities that stand right in front of them. Doors may close, but there are always other unlimited numbers of doors – new opportunities to get new happiness.Alexander Graham Bell also used to say that: â€Å"When one door closes another door opens, but we so often look so long and so regretfully upon the closed door that we do not see the ones which open for us†. The world is full of opportunities if we could only see them. Furthermore, not every plan works out. Successful people today must get the cheese in the past. There are losses and failures, problems in relationships, loss of money or job, and sometimes unpleasant things happen that we can not always have contro l over them.However, we can exercise control over our attention and attitude of these happenings. When one of these things happens, and we focus our attention on the loss – the closed door, we see only a closed door with the resultant frustration and unhappiness, but if we could only move our sight and attention away from the closed door, we might be surprised to discover a row of openning new doors. To sum up, I just want to say: Do not try to look at your back, look at the things stand in front of you and shoot your bolt to strike while the iron is hot. That is the necessary thing you must do after the failure.

Aggregate Planning Problem in the IQ Company

Aggregate Planning Problem in the IQ Company It is imperative to underscore the fact that laptop and desktop computers are currently being released by the IQ Company. This company has been performing this task through a contract system.Advertising We will write a custom dissertation sample on Aggregate Planning Problem in the IQ Company specifically for you for only $16.05 $11/page Learn More There are two categories of laptops that are considered to be most effective for use since they have become extremely popular among various users. These include the ten inches and 14 inches models. These models of laptops have been manufactured with special computing configuration in mind. However, the most important factor to consider in the sale of these two laptop models is that they are mainly on high demand during the two major seasons namely fall and spring. A company like IQ may find it quite cumbersome to predict the demand for either a laptop or desktop computer in years to come bearing in mind that such products are introduced in the market when the user experience has not been known. In other words, it takes a considerable length of time for users to acquaint themselves with the new products before they can eventually share their opinions. One of the reasons why estimating future demand may be cumbersome is the fact that high variance is usually included when manufacturing the laptop and desktop computers. The demand for these computers on any given period has to be adjusted accordingly by the manufacturer. This is attained by making sure that the production period is modified using an optimal approach.Advertising Looking for dissertation on business economics? Let's see if we can help you! Get your first paper with 15% OFF Learn More The demand for each of the computer product has to be assessed on a monthly basis so as to avoid under production or excess supply of the products. As such, there are quite a number of factors that determine the optimal rate of production. These include the quantity of products that have been outsourced, the number of employees, the costs incurred for overtime, the ordinary cost of labor as well as the optimal cost. These factors are vital in determining the overall value or pricing of products manufactured by the company. It is also vital to mention that this company mainly deals with the process of assembling various laptop parts before they can eventually be released into the market. Therefore, this nature of production is largely affected by the capacity of employees who have been hired to work on a daily basis. If these employees fail to perform their duties as expected, then the company may find itself at a loss. In addition, hiring more employees may sometimes not be the solution towards meeting labor demands. It is only the ability of the hired employees to perform that will make a difference in the entire process. There are also cost implications for firing employees who are performing below th e expectation of the company. Hence, the company should be keener during the process of hiring employees so that only the best and most capable workers are absorbed in the system. Moreover, overtime hours among employees certified by IQ should be utilized to the optimum in order to cut down labor costs and other associated expenses.Advertising We will write a custom dissertation sample on Aggregate Planning Problem in the IQ Company specifically for you for only $16.05 $11/page Learn More On a final note, it is vital for the computing organization to have a good estimate of the demand peak season so that the right quantity is supplied to the market. A built up inventory can also be utilized when anticipating the peak demand period. In other terms, the available inventory levels should be used in the most appropriate manner.

Global Financial Crisis Causes and Impacts

Global Financial Crisis Causes and Impacts Introduction Global financial crisis is described as the extensive economic disaster that started in the United States in 2007. Starting with the collapse of the American financial system, the economic emergency rapidly spread to other countries in the world. Interrelated markets of the current global trading systems were the major cause of the rapid spread of the financial crisis.Advertising We will write a custom essay sample on Global Financial Crisis Causes and Impacts specifically for you for only $16.05 $11/page Learn More After a number of years since the first occurrence of the crisis, it is still not possible to explain fully the impact of the global financial crisis because the economic emergency keeps on hindering and destroying global markets (Gelos, 2009, p. 15). A number of factors caused the concurrent crush of the housing system, financial markets, and the banking industry in America. Even though the causes of the crisis are still debated, th is occurrence spread out almost immediately into the international market. Usually, the United States plays an influential role in global financial industries and stock trading. This means that the crush caused a destructive impact both within America and in countries all over the world. The extensive effects of the economic crisis began late in 2007 at the time when prices of fuel and food started increasing globally. Factors that some years before seemed minor like increases in prices of fertilizers started to destroy crop industries and the importation of food in developing economies (Gelos, 2009, p. 17). In 2008 as the financial crisis in America intensified, financial institutions like banks strove to decrease their spending mainly in foreign investments. This deepened the worldwide emergency because many countries depended a lot on the foreign investment of the United States for the survival of their economies. Global governance The outstanding increase in global integration r ecently has largely overwhelmed the ability of global governance. The deepening of globalization has led to an increase in insufficiency of organizations and policies responsible for global governance. This was evident in the global financial crisis and its harsh effects which are still ongoing. The speed and frequency with which economic emergencies from one nation and spread to other countries shows the significance of sufficiently strengthening financial organizations to make sure that they are able to take fast, remedial and effective measures.Advertising Looking for essay on business economics? Let's see if we can help you! Get your first paper with 15% OFF Learn More Improvement in global economic governance is the main factor in renewing the prevailing dialogue in global political economy (Crotty, 2009, p. 563). Many national economic policies which are cost effective work partly because they benefit other nations but a majority of the policies are on ly possible if they are also adopted by other nations. The IMF has argued that the main cause of the global financial crisis was inadequate regulation of the financial system combined with lack of market discipline. Global imbalances alone could not have led to the crisis without the capability of financial organizations to create new tools and mechanisms to take care of the demand for higher incomes by investors. The tools eventually became more risky than excepted (Crotty, 2009, p. 564). However, many of the investors relied on the analysis on credits by various agencies thus failing to conduct prior examination of the assets despite their optimism in the increased prices. This was considered one of the major causes of the economic crisis. The biggest role in the crisis was however, played by flawed and ineffective financial regulation which is also called the shadow banking system. The highly interconnected but loosely regulated network of hedge funds, investment banks and mortga ge sector was not subjected to prudential regulation. They were not regulated because they were never seen as systematically significant like banks (Crotty, 2009, p. 565). Their lack of regulation made it further attractive for banks to elude capital investments by making these entities take all the risk. Over time, this institution network became very large and became systematically vital. By the end of 2007, the assets of bank-like organizations in the United States that were not prudentially regulated were estimated$10 trillion, almost equal to the assets of the regulated banking system of America (Crotty, 2009, p. 566). Financial problems that began in the United States in 2007 rapidly spilled over to other countries around the globe to cause the harshest global financial crisis and collapse from the time of the Great Depression. The global implications of the crisis were totally unpredicted and have forced a reconsideration of global financial connections. Even though global ex posure could have offered a bit of insurance by way of constructive wealth transmission for some economies at the time of the crisis, global exposure played a destructive role by enabling the crisis to rapidly spread from the American housing market to the larger American economy and then to other countries (Porter, 2011, p. 9).Advertising We will write a custom essay sample on Global Financial Crisis Causes and Impacts specifically for you for only $16.05 $11/page Learn More These economic shortcomings may have been prevented by extensive regulation of the financial sector. Because financiers will always find a way of evading regulations proposed, global governance could have implemented its proposed regulations and action taken against market players who go against the regulations. Banks The world quickly moved from the global savings glut to an abrupt contraction in international liquidity. Shocks are enlarged and spread faster when leverage exists. In e arly 2000s, there was a considerable build up in leverage of big American commercial banks and global investment banks (Shin, 2009, p. 101). Although commercial banks may not seem to have problems with leverage levels before the financial crisis began, when the crisis started, internationally active banks played a very crucial role in the spread of shocks globally. A channel of this connection is the way in which these banks control liquidity throughout the whole banking association. Banks can transmit shocks globally by managing their liquidity throughout foreign linkages, dealings with international banking linkages, and through the global lending decisions. Banking crises and recessions have adverse impact on the creation of new relations however; all banks or all nations do not experience the same effects. The 2007 crisis showed this pattern and had huge negative effect on the creation of new connections in the international network of banks. The financial crisis made banks very cautious when lending and this meant that new relationships were not made. Banks helped in the rapid spreading of the crisis through reduced lending (Shin, 2009, p. 104). This had the impact of lessening international liquidity and also with the vital role played by banks in the United States to supply dollars, reduced lending led to an international shortage of dollar liquidity. The Federal Reserve in collaboration with other central banks injected dollars to respond to the crisis. Investors As banks limited lending and liquidity throughout borders, at the same time investors cut their capital flows in foreign markets. During the financial crisis, changes in international liquidity, crisis occurrences, and risk had a large impact on capital flows during the crisis. These effects were very varied in all nations but with a big part of this variation described by disparities in the strength of macro-economic fundamentals, country risk, and quality of home organizations. Fund managers and fund investors also played a role in the spreading of the crisis across countries. The volatility of mutual fund investments is motivated by fund managers and investors through which injections into each fund and changes in management in national cash and weights (Rogoff, 2008, p. 2).Advertising Looking for essay on business economics? Let's see if we can help you! Get your first paper with 15% OFF Learn More Managers as well as investors react to national crises, returns and change their investments significantly in reaction to the economic occurrences like the global financial crisis. The behavior of both managers and investors is somewhat cyclical because they pull out of countries in undesirable times and increase their exposures in the countries when economic conditions improve. This means that investors in mutual funds are a vessel through which financial crisis of 2007 spread rapidly across nations in their portfolio leading to a global financial crisis (Rogoff, 2008, p. 3). Real linkages These could also be the channel through which the financial crisis rapidly spread globally. For instance, majority of Asian countries were not exposed to the subprime and housing markets of the United States and therefore, such economies had weaker connections with America through investment and direct bank relationships (Fidrmuc, 2010, p. 293). These Asian economies however still suffered harsh reduction of output in 2008 and 2009. The financial crisis had a larger undesirable effect on companies with larger sensitivity to trade and demand especially in economies that are more open to trade. Financial openness however, appeared to have made a minimal difference. This indicates that real channels of transfer through the impact of aggregate demand and trade flows played a significant role in spreading the global financial crisis. Conclusion The financial crisis may act as medium for transformation in global governance and may signify a change from the traditional economic system. The global financial crisis has helped in revealing the big gap between international economic order and structures of governance in modern times (Helleiner, 2009, p. 17). Many emerging economies such as China have been attaining rising political and economic significance but are not equally represented in crucial institutions. Even though the reaction to the crisis has largely been on the financial system, more attention needs to be paid to monetary issues as well as the world trade. A debate has been ongoing about whether informal institutions such as the G20 or the G8 should really play a role in transforming the authority and governance of global financial organizations. G20 may not be fully justifiable in its present embodiment to succeed in this duty; in fact by just growing present IFI and doing nothing to change them poses a risk of dependency and the maintenance of business as usual. Global governance is very important in a situation where trade exists. The development of trade administration will have to take into consideration the present stresses placed upon it by economic growth and sustainability questions brought about by the financial crisis. Global governance needs to reform if it aims at meeting global economic objectives and react to challenges (Helleiner, 2009, p. 16). The main role of global governance is managing the international economy by considering t he views and interests of all players and not just the G7 views. References List Crotty, J 2009 ‘Structural causes of the global financial crisis’, Cambridge journal of economics, vol. 33 p. no. 4, pp. 563-566. Gelos, G 2009 ‘The global crisis: explaining cross-country differences in output impact’, Social science research network, vol. 23 no. 4, pp. 15-17. Helleiner, E 2009 ‘Regulation and fragmentation in internal financial government special forum: crisis and the future of global financial governance’, Global governance, vol. 15 no. 1, pp. 16-21. Porter, M 2011 ‘Managing in the new global economy’, Harvard business school, vol. 2 no. 2, pp. 7 12. Rogoff, K 2008 ‘Is the 2007 U.S subprime financial crisis so different’, The national bureau of economic research, vol. 2 no. 1, pp. 2-3. Shin, H 2009 ‘Reflection of the northern rock: the bank run that heralded the global financial crisis’, Journal of economi c perspectives, vol. 23 no. 1, pp. 101-104. Fidrmuc, J (2010) ‘The impact of the global financial crisis on business cycles in Asian emerging economies’, journal of Asian economics, vol. 21 no. 3, pp. 293 – 312.

Buy It or Review It (Or Preferably Both)

Buy It or Review It (Or Preferably Both) I believe Ill touch a nerve here, which is sometimes fun. But most of the time, it means a controversial topic that wakes people up.and makes people make excuses for what they thought was righteous behavior. Well see. Not long ago, I wrote a piece about paying writers properly. I posted this abbreviated version on Facebook: If you are a writer, ask to be paid for your work. If you are asking a writer to appear, pay them. If you read a book, pay for it. If you accept a free book, post a review. Anything else is eroding the careers of writers everywhere. A lot of people got on board with rants about not getting reviews after giving away so many books. We all get that. I give away 100 books the first few weeks of a new release, and barely half of the recipients initially keep their promise to review. Its difficult to add a book to your busy schedule. But its wrong to agree to review then not do so. It amazed me the ones who DID review, and pained me seeing the ones who DID NOT. However, few got my point, that as writers, we tend to cannibalize our own. When we act as readers, do we review every book we read? As badly as we crave reviews, are we loyal to other writers in Doing Unto Them as Wed Like to Be Done To? It really boils down to this: When you obtain a book, you have two choices: You pay for it or you review it. If you can find the time to spend hours reading the thing, you can take three to five minutes to review it. What about all those souls giving away free books? Personally, I only take a free book if I intend to read it as a reviewer. And frankly, I prefer to pay for my books. Why? Because I prefer people pay for mine. I refuse to download a free one, much preferring to at least pay $1.99 or more. Its a principle of mine. Yes, I give away a few books with the clear message that they are review copies. And against the advice of others, I even follow up with those readers. The system goes like this: 1) I ask for reviewers for a book on social media or in my newsletters 2) I make a list and determine how many books to send out 3) I send the books 4) I wait a month then email/mail postcard asking if they received the book no mention of a review 3) I wait another month then email/mail a postcard asking if they enjoyed the book no mention of a review Thats it. No harassment. You have a list of names who reviewed your work. You love these people. You dont mind asking them to review again in the future. You know they will follow through. And you also know those who have not reviewedand to not ask again.