Essay - Boy Scouts of America (BSA) v. Dale | Subjects: English - Undergraduate

This essay stresses that a child is said to have LD if he or she does not meet the required standards a child of that appropriate age should meet. For example, if a first grader has severe problems in rhyming, has difficulty finding words while conversing with others and isn’t able to indentify alphabets easily, the child is said to have some form of “Learning Disorder”.This paper makes a conclusion that a child with LD does not necessarily show academic non-performance alone. They might have behavioural problems and low self esteem issues. Some children will excel in learning one particular subject like maths or English, while they lack back on all other subject. Some children with LD will excel in academic performance, but they will have issues mixing with other students, working in groups, communicating with others and suffer with low self-esteem issues. Others will have no such issues, but behave in a totally reckless manner, demanding whatever they like, be done immediately. Some children simply have less IQ than others. They have very little concentration power which may or may not improve with age. Scientifically there are various reasons for this condition to occur. Memory capacity, hearing impairments, vision impairments, and physical disorders, mental issues everything affects a child’s learning capacity. Some brains are programmed to work better than others naturally, while others take time to do even normal activities. <strong>Essay - Boy Scouts of America (BSA) v. Dale | Subjects: English - Undergraduate</strong>Essay - Preventing a Brave New World | Subjects: Literature - College

Budget in the context of capital budgeting is the plan that describes in detail inflows and outflows of revenue and expenses during the project life. The project life for this case is 10 years. Budget will show the company detail plan of cash inflows and outflows during the 10-year operation period of the aircraft. The two words together – capital budget indicates a list of planned long-term investment outlays for projects. In this case, planned investment is to purchase one of two aircrafts and make additional profits from its operation. Capital budgeting is the method used to determine which among long-term capital investment should be chosen. In this case, we are determining one project – purchase of an aircraft. However, we are using two different aircrafts. For simplicity, two different aircrafts are considered as two separate projects. Capital budgeting process helps strategic planning committee pick up the option, which gives higher rate of return considering time value factor of money. This is why it is important in strategic management. Without capital budgeting strategic management team will enter into a wrong selection. Question 2. Explain why the NPV and IRR capital budgeting tools are superior to the accounting rate of return and simple payback techniques for determining the attractiveness of capital investment opportunities.  Answer. The main drawback of the manager was that he was very autocratic in his style. The company consisted of 100 employees then. Though there were divisional managers for each functional level, the decisions for the functional levels are taken by the MD himself. Even if the decisions of the divisional managers are worth, the MD hardly approves them. The second major drawback of his is that he is less concerned about the growth of his employees. In other words, he is highly afraid of being dethroned by other talents in the company. When an employee aims for taking accreditation tests, he de-motivates them by saying that it is not required at their stage and they could think of it on some later years. Overall he wants the employees to progress very slowly in the organization. But there is one good quality that he possesses. He takes quick decisions. There were many instances where the company required immediate decisions to sustain business. He was good enough to take decision at the right time and sustain the business. Though decision making is one of the best skills of a leader, its sole possession cannot make a person an efficient leader. Organizational Structure and Culture The organization which I worked for was a partnership firm. The company had a very informal culture. As per the firm’s objectives, there were no strict hierarchies to be followed.

Case Study - L'Oreal Global Marketing Strategy | Subjects: Business - Masters This paper discusses various types of knowledge such as knowledge how, for instance how to drive- knowledge that, which is also known as propositional knowledge, such as knowing that P is P and knowledge by acquaintance, which is knowing a person or a place. Epistemology is mainly concerned with propositional knowledge. When trying to analyze knowledge, epistemologists often distinguish between a priori and a posteriori forms of knowledge. A priori form of knowledge that is independently known that is it does not come from ones experience or senses. This type of knowledge is acquired from sources outside experience such as reason and is usually arrived at beforehand. On the other hand, a posteriori knowledge refers to the type of knowledge that is acquired from experience. It is also known as empirical knowledge and is not known before hand from ones previous experiences. Most of the scientific knowledge is empirical in nature as it is based on previous experiences. Here are various sources of knowledge identified by philosophers. According to Feldman, a renowned philosopher, there are five major types of knowledge, which include perception, memory, expert testimony, introspection, and reasoning.

Essay - Developing an interview method | Subjects: Education - Undergraduate Operant conditioning falls in the category of behavioral learning theories. Another theorist named Jerome Bruner came up with his own theory of learning which is recognized as discovery learning theory and this theory falls in the category of cognitive learning theory. In this theory he stated that learning takes place when an individual comes in contact with a particular stimuli, he forms a perception regarding that stimuli and then acts according to the formed perception (Leonard, 2002, p.97). The perception they develop regarding a stimuli is dependent upon the learner’s environment. A third category of learning theory is humanistic approach of learning and one of the most famous theories of this approach is Experiential Learning theory provided by Carl Rogers (Leonard, 2002, p.68). He stated that there are two kinds of learning taking place one is cognitive which is meaningless in nature and the second kind of learning is experiential which is significant. He stated that experiential learning is very important as it is backed by a need and whenever an individual has to satisfy a need he may resort to learning. For example: a person is motivated by the need of driving, this motivation will make him learn. Essay - Retail Service Management Key Indicators | Subjects: Miscellaneous - College Term Paper - Strategic Analysis: McKesson | Subjects: Marketing - College

Discussion A utilitarian approach holds that the morally right course of action is the one that produces the greatest balance of benefits over harms in any situation for everyone affected. Utilitarianism aims at producing benefits regardless of whether they were arrived at by lies, coercion or manipulation. This approach argues that- individuals ought to do whatever produces more total happiness than doing anything else would. This means that the morally right action is the one that will most likely maximize utility. ‘The highest good is the good will.’ This is the Kantian approach argument which states that to act from a good will is to act from duty. An action is made good by the intentions behind it rather than the consequences. Motives of self-interest cannot contaminate truly moral actions since an action is truly moral only if it is morally motivated. The major assumption of this approach is that actions that enhance the bottom line are acts of self-interest (this is well illustrated from Hugo’s case). Aristotle and other Greek philosophers came up with the Justice/ Fairness Approach to ethics which states that- ‘equals should be treated equally and un equals unequally’. Term Paper - Strategic Analysis: McKesson | Subjects: Marketing - College Different studies have shown that depression should be recognized as crucial issue by the practitioners. The major signs and symptoms of depression are losing interest, loss or change in the appetite, lack of interest in daily activities, change in sleep patterns. In a depressed state one may also feel low levels of energy and feeling of exertion even after having rest. If depression is not treated in a proper way it can result in physical sickness, isolation or in worst cases may lead a person to commit suicide (Styron, 1990).By dealing with the hurdles and utilizing a straightforward 20 questions Geriatric Depression Scale, diagnosis and cure can be performed with ease. The reports by NIH show that the symptoms of depression are represented by about 15 to 20% of the people who are over 60 to 65 years in age. Major and minor depression varies in rates from 5% to 30% from primary to long term setting. It has been shown that only 15 % of the old people receive the proper treatment for depression according to American Psychiatric Association (2002). The mortality rates in the old aged people due to depression are much higher as compared to the ones who are not suffering from it. The barriers for depression diagnosis by the patients and the practitioner are given as follows:It has been found by extensive research that almost 25 to 30% of the elderly population shows symptoms of depression in one way or the other. The prevalence of depression in older women is two times more as compared to men of the same age. The depression in late life can lead to serious complications leading towards increased mortality and morbidity, higher costs of health care and prolonged stay at the hospitals. It has been estimated that 65% of older people having some mental problem want unmet psychological health services (Huisani, 2004).As the American people have longer life span, the disease and disability can not be avoided with the

Workers want to work at highest wage rates while firms want to hire at lowest wage rates. This keeps on pulling the demand and supply curves up and down and hence the equilibrium keeps shifting from one point to another.Hence, these supply and demand patterns in the labor market largely affect the market equilibrium. Suppose there is an equilibrium position in the labor market. Then, many new graduates enter the market and the supply of labor increases. When there is excess supply in the market, the employers have a free hand at the wage-rate and they can hire workers at lower wage rate and the equilibrium shifts inwards.However, if the workers are being paid less than other related industries, or cannot find a job altogether, they might start switching to the industries that pay higher or might start their own business. They may also resort to starting their own business and become self-employed, or might stop looking for a job and start relying on other sources of income dropping out of the labor force altogether, or they may become unemployed. This reduces the supply of labor. At this point in time, the supply of labor decreases than the demand and the employers are forced to increase the wage rates in order to attract the workers needed. This shifts the equilibrium back outwards.This increase and decrease and supply and demand keeps on taking place as the employers continuously tend to minimize wage rates and workers keep on demanding higher wages affecting the supply of labor accordingly. This in turn keeps on moving the equilibrium inward and outward as the demand and supply continue attempting to reach Essay - Economics Assignment | Subjects: Macro & Microeconomics - Masters To illustrate, Steve always used to emphasis on the significance of product design. He is a perfectionist innovator who has the ability to foresee the changes in firm’s technological and environmental trends. It has helped the company to design new products according to the preference and requirement of the changing world. According to his vision, the esthetic appeal of a product is highly significant as it has considerable influence on people. Perhaps his aggressive and demanding personality is the latent of his leadership quality. His potential has been proven as he contributed reasonable part in the field of music, movies, and technologies while he was not the part of Apple. Jobs, for the first time achieved the concept of full-length animation movies on computer with the support of George Lucas, the film director. Apple iPod is the best example for his innovative ideas which his competitors could never envisage. Jobs always believed that the quality of product is the key factor of business success. His comment on his resignation from Apple reveals his attitude- “getting fired from Apple was the best thing that ever could have happened to me” (Hughes, Ginnett, Curphy, 52). He also maintains a win-to-win business concept which gives greater importance to collaborative information sharing and problem solving. For instance, Apple with the collaboration of Motorola introduced ITunes phones.The victorious achievement in business has made him the icon of modern entrepreneurship. It was his leadership quality and positive attitude that led him to be the lead business tycoon among the computer companies. Soon after the invention of Macintosh, he was criticized for his ineffective management and leadership because his contract with Bill Gates had been a failure. His aggressive and demanding nature was a barrier to employee relation. However with his reentry, the Apple witnessedEssay - Identify the Impact of Pathophysiology, Psychology and Sociology in Determining the Physical and Mental Health Status of the Ind | Subjects: Nursing - Masters

Essay - Lesson Plan Observation | Subjects: Education - Undergraduate The mortgages are secured by claims against the various estates the mortgagors purchase. Afterwards, the individual mortgages are huddled together as a mortgage pool. The pool is held as the collateral for an MBS. The MBS can also be issued by a third-party financial institution for instance a large investment banking company or similar bank where the mortgages originated from. Aggregators can also issue mortgage backed securities. There are MBS whose main purpose and interests are guaranteed by a United States government entity or sponsored enterprise. The securities are known as agency MBS which do not expose an investor to credit risk. For a non-agency MBS, issuers normally employ various vehicles to enhance the credit of the security in order to obtain a targeted investment-grade rating. Investors within MBS are exposed to uncertainties about the future cash flow since the borrower has every right to repay the loan wholly or partial as long as it is before the maturity date. This is called prepayment risk which is a major factor in understanding MBS. When the MBS is being created, an issuer would choose to break the mortgage pool severally to different parts known as tranches.

Following are some issues, which are especially related to recruiting the artists faced by Cirque: Increasing no. of artists Initially, Cirque required around 50 artists every year and their casting staff had to travel only those areas where they believe that their required artists will be sought out. In the recent years, as the number of shows started to increase as well as the increase in artist turnover at Cirque, the casting staff now currently has to recruit at least 100 artists in a year. In order to address this issue, Cirque spread out the auditions in around 20 countries across the globe. However, the cast division of Cirque found themselves out in a burnt out situation due to so much travelling. They have started feeling monotonic in conducting auditions, which may cause leaving out some potential artists from recruitment process because casters are not fresh enough to concentrate. Child Artists Another important concern for Cirque regarding the recruitment of artists is the inclusion of child artists in their artistic portfolio. Generally, the kids who live at the streets pose a problem for Cirque because of their growing up problems. For this issue, Cirque concentrated especially on recruiting those children who are supported and guarded by their parents. Essay - friendship | Subjects: Miscellaneous - Ph.D.

Essay - BUS499 MOD 1 CA | Subjects: Miscellaneous - Masters e the living wage through tax rebates to companies that sign up to become living wage employers- freeze energy bills until 2017- offer more support for working parents by expanding childcare from 15 - 25 hours per week- introduce legal guarantee of access to wraparound childcare for parents with primary school-aged childrenIncrease personal allowance to £10,600 to increase number of low-income people out of tax- rebalance the tax system to increase personal allowance- create 2 million more jobs- cut off benefits paid to young people and replace it by creating new jobs- introduce shared parental leave and a right to request flexible working- introduce back-to-work and healthcare

Essay - Lesson Plan Observation | Subjects: Education - Undergraduate

More specifically, ‘You remember the children you got that you did not get (Brooks)’ becomes a statement of emphasis that justifies a ground for guilt to lurk. Directness might have made ‘The Mother’ less figurative at such beginning yet it appears necessary to establish a moment of introspection to follow recollections. This way, acute emotions are drawn especially with ‘The damp small pulps with a little or with no hair (Brooks)’ that is imaginatively a key to sharp remembrance. Then Brooks attempts at the horrible memories to operate on carrying a burden of regret toward a number of wonderful possibilities which could have taken place if one had not thrown the chance of keeping the unborn and completing her motherhood. That is why ‘You will never’ as attached to every lovely chance is enticingly spoken of in an imperative manner or that which suggests an inevitable outcome between a command and a curse. Regret becomes profound on enumerating what-if instances of ‘the singers and workers that never handled the air’, ‘buy with a sweet’, ‘sucking-thumb’, and ‘luscious sigh’. Assignment - Final Exam | Subjects: Biology - High school

Research Paper - Information Systems | Subjects: Information Technology - College The study tells that the recent financial crisis began in 2008 – although signs of the crisis could be identified in 2007- since then, the crisis has being expanded in all countries worldwide causing severe losses to businesses of all industrial sectors. In its primary form, the crisis was related with the banking sector in US- in fact, the subprime products that were promoted by the US banks were proved to be more risky than initially estimated- as a result, US banks were highly exposed to the recession. Many banks in US collapsed – as a consequence of the crisis- however, there were also those banks that managed to limit the losses and protect effectively their equity/ capital. This study will help to understand the effects of recession on the financial performance of US commercial banks using the figures included in these organizations’ financial statements. In other words, it will be an evidence – based study not just a critical analysis of the behavior of these firms since the beginning of the crisis. On the other hand, the level of resistance of US banks – as identified through this study – would be valuable in order to estimate the expected development of the US banking industry both in the short and the long term – the prospects for the development of US firms that operate in other industrial sectors could be also estimated using similar criteria. The study also identifies the framework of successful strategic decisions – referring to the banking industry – a fact that could further lead to the increase of this sector’s credibility.

Essay - friendship | Subjects: Miscellaneous - Ph.D. Muslims all over the world are now seen with contempt and hatred by the western community. This is more like a generalization about the whole western world but to some extent it is true.Some important questions arise as to who is responsible for this drastic transformation? Why has such a change taken place? Why does West feel threatened by Islam? For how long this war between West and Islam will continue? What can be done to change the image of Islam in the minds of the western community?For decades there has been a social war between the west and Islam. Their concepts and culture differ from the very beginning. There has always been a very well defined boundary between both the worlds. One cannot ignore the fact that power of the whole world lies in the hands of the West. The West sees Islam as a conservative religion and considers the followers of this religion as narrow-minded beings. Muslims all over the world are being discriminated and in some places it is even seen that they are humiliated. But this is more like digging into the past and gaining evidence on the basis of social sciences. The present scenario of the world is more important to answer the above mentioned questions (Shadid & Koningsveld 2002).It all started when the world was shaken by the 9/11 attacks on the World Trade Centre. According to the investigation reports it was found that the people responsible for these attacks were Muslims.

The boy was actually a comfort and solace for the Old man in his futile endeavour in the sea for the first forty days of his fishing expedition. Thus by making the Old Man alone to face the trenches of life, the novelist begins to symbolically draw out the journey of life, the journey that one has certainly to undertake alone. Therefore, one can assume that 'The Old Man and the Sea' is not simply a heart rending story of an old man and his suffering in a vast and dreadful sea but a symbolic representation of man’s journey of life, confronting with the hard realities of life. Santiago’s journey through the sea can be regarded as the journey of life with many ebbs and flows. He was once a good fisherman who could catch big fish and turtles. In his youth he kept fascination towards baseball and hand game that he could even defeat a Negro from Cienfuegos in a fight. Baseball was his next subject of interest after fishing. He found Di Maggio as his favourite baseball player and wish to regard him as his role model in fishing. Analysing all these factors, one can certainly infer that Santiago, during the early stages of his life, truly enjoyed the life of a vigorous youth. That is, at the early parts of his journey of life, he could enjoy somewhat a good life.

Essay - Economics Assignment | Subjects: Macro & Microeconomics - Masters On the same note, the participation of civilians in such activities continues to take new directions every single day, and so have their rights. Nations around the world address the issue of civil unrests differently, based on their legal systems and the extent to which civil rights are observed. In some countries, use of force against civilians during such times is a normal phenomenon, while in others, force against civilians constitute a crime against the civilians. Sweden is no exception in the civil unrest pursuit. For Sweden, use of force against civilians in times of civil unrest is against the law. The provisions of the law strictly require upholding of human rights even in times of civil unrest (EPL 111). This is due to the fact that there are causes behind the observed situation during such times. In my country, civil unrests are addressed with regard to the cause and aspect within which they occur. Civil unrest as aforementioned can result from cultural, social, economic or political aspects within the country. Whatever the cause or aspect of occurrence, Sweden requires that civilians be handled humanely. This does not mean that the civilians can act in any way they feel like. Arrests and charges are provided for by the law (U.S Congress 2187). Essay - Service Quality and Operations (A REPORT) | Subjects: Miscellaneous - Ph.D.

Essay - BUS499 MOD 1 CA | Subjects: Miscellaneous - Masters

352). This implies that mood change reflects sharp and rapid changes to people’s activities and processes. And it changes the way people function and how they do things.Psychoanalysis is the theory through which a researcher examines the way a given individual or groups of people think and provide a thesis that explains the theory or concept that defines the way a person or group thinks (Fayek, 2011). This includes the investigations into the conscious and unconscious nature of the mind in order to draw conclusions about the way a given individual thinks.The purpose of this research is to draw a practical research framework through which mood swings in university students can be studied, evaluated and deduced through psychoanalysis theory. This will be done through a psychological experiment that will help to draw conclusions on the situation.In order to conduct a basic insight into the matter, there is the need to examine previously generated and presented theories and concepts that are relevant to the study. This will provide a basis for the formulation of a hypothesis and the formulation of important conclusionsTraditionally, mood swings in mainstream psychology has been studied under the banner of bi-polar disorders. Bi-polar disorder is “a situation where a person presents a given mood at a particular point in time and then shows another mood in different point in time due to conditions that are not linked to substance abuse” (Vieta, 2012, p. 4). One of these moods is considered normal, whereas another is either depressive or shows some degree of negative mental thoughts or ideas.Psychoanalysis applies a multidisciplinary approach to deduce the condition of a patient and come up with a solution that can help the patient to overcome his or her mental challenges in bipolar disorders (Fonagy, Mayes, & Target, 2012) This

es, it is possible to explain crime in a wider society or at an individual level implying that criminology theories are all-round theories (Akers, 1996). This essay will therefore discuss major criminology theories. The essay will examine the major assumptions of the theories and their policy implications. Finally, the essay gives an evaluation of the theories in relation to the wider society.Criminology is a social science whose theories are developed based on human behavior. Unlike natural science theories social science theories change constantly due to the evolution of human behavior. This implies that criminology theories change simultaneously with human behavior. In order to avoid ambiguity due to the evolution of human behavior criminologists have developed several theories. Classical criminology is based on classical criminology theories. Classical criminology assumes that crime is a venture and therefore criminal will weigh the benefits and possible risks involved in a certain criminal activity before undertaking it. The school of thought is also based on the assumption that crime is a rational decision that can only be discouraged through deterrence.The rational choice theory is a major theory in classical criminology. Although the development of classical criminology is based on this theory, the theory was in existence in the early eighteenth century. The theory was developed by Beccaria a philosopher and an economist. This theory also demonstrates the link between economics and criminology. The rational choice theory has the difference between gains and inputs into a criminal activity as a major tenet. According to the theory, criminals are ordinary people who have decided to engage in criminal activities. The theory also posits that the level of attractiveness in crime attract or repel active criminals. This theory contradicts earlier assumption by some philosophers that the world has criminals and victims as the two major groups of people. The study attempted to measure the effects of two independent variables - the subjects' performance standard, and the standard of the class – on the type of comparison made by the subjects towards particular and generic others. It was hypothesised that: 1. Across all classes, students would show a preference for comparing upwards with a particular other. 2. Subjects in the threat condition would make a downward comparison to a particular other. 3. Across all classes, students would make a downward comparison to a generic other. 4. Students in the threat condition were less likely to make a downward comparison to a generic other. Thus, the effects and interactions of the two independent variables were observed on two dependent variables. The first independent variable – the subjects' performance standard – had two levels for the study – high and low. The second independent variable was the performance standard of the class- also divided into two levels – high and low. Thus, four experimental groups were formed: i. Student with high performance in high performance group. (Uniform) ii. Student with high performance in low performance group. (Advantage) iii. Student with low performance in low performance group. (Uniform) iv.

Essay - in 2007, a change of canadian market by the influence of global warning | Subjects: Miscellaneous - Masters Students misbehave in the classroom for a variety of reasons. Some students may be suffering from lack of attention at home, divorce of parents, or a need for attention from their teacher. The students who misbehave in class need a structured classroom management plan to assist with their behavior and learning. Students are normally attentive when the classroom lesson is presented in stimulating and insightful ways. Group interaction is an excellent way to manage students who misbehave in the classroom. The classroom management plan should include solutions for resolving issues with students who misbehave- the lessons should be presented in ways that creates interactions between the students and the teacher. A classroom management plan is an organized plan that assists the teacher in managing his or her classroom. Classroom management plans are designed in various forms, such as computer-aided instruction, student groups, or student interaction with the teacher. When establishing a classroom management plan, the teacher must analyze the classroom lessons as well as the classroom environment. These are two important elements that guide the way the classroom learning is structured. The classroom management plan is designed in an effort to establish ways to structure the classroom lessons for an effective learning environment. Creating a classroom management plan gives the teacher an outline of how the lessons should be presented to the class. Essay - BUS499 MOD 1 CA | Subjects: Miscellaneous - Masters

Essay - Whitney Collection | Subjects: Visual Arts & Film Studies - Masters While most individuals believe they would relish this opportunity, it’s been noted that many of these people end up facing considerable problems in their lives because of the sudden influx of money (Veneziani). I recognize if I suddenly won 200 million dollars I would make the best use possible of it. In winning 200 million dollars one of the first things I would recognize is that I need to preserve some sort of structure within my life. Past lottery winners have even gone as far as keeping the jobs they held before winning the lottery (Celezic). While I don’t believe that I would keep working the same job I would attempt to preserve many of the aspects of my current life. In these regards, I would continue to live in the same town. I would also work at keeping the same group of friends. Rather I would implement my money to stay within the general structure of my current life, but enjoy it in fantastic ways. For instance, I would buy a much larger house, with a pool, and an excellent view. I would then throw large parties at this home. This way I would be able to keep some semblance of my current existence, while enjoying the thrill of the million-dollar prize. Another important element of winning a million dollars is making safe investments. .

The differences are grounds for controversies for societies around the world. Some individuals believe that people can choose whether to abort or not while other individuals see the act as an equivalent of murder. Despite the associated negativities and its strong opposition by some sections of the society, abortion should be legalized.The act of abortion should be legalized since criminalizing the act puts the life of mothers at risk (lee, p43). With the legalizing of the procedure, women will be able to access safe medical services making the procedure safe. If the procedure is made illegal, it will inaccessible for a majority of the population. This will causes the women seeking these services to look for alternative options. These procedures are mostly done in dangerous conditions that may lead to the death or medical complications that may harm the mother (Harris, p 65). Women also risk becoming sterile because of these procedures. The illegal alternatives for those looking the services are mostly carried out by quacks or unqualified medical practitioners (Ojeda, p 46). This increase significantly the risk faced by the mothers than when the procedure is carried out in of credible health centers. It is the responsibility of lawmakers and society to ensure that the practice is legalized to avoid these scenarios.

Essay - Identify the Impact of Pathophysiology, Psychology and Sociology in Determining the Physical and Mental Health Status of the Ind | Subjects: Nursing - Masters

Therefore, lending institutions normally deploy numerous and varied techniques of credit risk management to understand levels of risks associated with credit users (Grzymala-Busse 25). In most cases, statistical preventive analytical techniques are used to analyze and determine credit risk levels associated with loans and credits given to borrowers. Therefore, the significance of credit risk assessment is to reduce credit or loan defaulters. Adequate information about the credit users are often for the analysis of credit risk levels. This information is usually obtained from internal credit scoring systems. This system allows computation of personal information credit scores from credit reports (Camp 14). Such information is provided for by rating agencies or external credit bureaus. Notably, the credit scores often indicate an individual or organizations’ current and historical financial situation. These financial reports are then used to analyzing credit risk levels thereby determine credit defaulters (Grzymala-Busse 71). However, the internal credit scoring techniques do not define defective or ineffective score. Therefore, it does not predict the actual levels of risk associated with lending a person. The shortcomings of the internal credit scoring methods have been solved by the use of the Profiling risky credit segments. Term Paper - Sociology - Final Essay | Subjects: Miscellaneous - College

Cognitive symptoms entail apathy, disorientation, preoccupation with trauma, minimization, rigidity, and lowered concentration. Emotional symptoms include anxiety, anger, fear, sadness, depleted, blunted, enhanced affect, shock, depression, helplessness, numbness, guilt, and powerlessness (Portnoy, 2011). The individual may experience troubling dreams similar to those of the patient. The individual may also experience sudden and involuntary recall of a frightening situation while working with the family or the patient. Concerning behavioral symptoms, the individual may be withdrawn, have poor sleep, a change in appetite, isolated, and hyper-vigilance, have nightmares, moody, and irritable. Spiritual symptoms include pervasive hopelessness, questioning of one’s religious beliefs, skepticism, loss of faith, loss of purpose, and questioning of the meaning of life. Somatic symptoms entail rapid heartbeat, pains and aches, impaired immune system, difficulty staying or falling asleep, headaches, dizziness, difficulty in breathing, and sweating (Portnoy, 2011). The Nature of the Problems and Their Causes Portnoy (2011) states that compassion fatigue is caused by empathy. Compassion fatigue is a form of burnout that appears unexpectedly and with little or no warning. The condition is generally persistent than burnout.

Essay - answer three essay questions from the text | Subjects: Anthropology - Ph.D. The responsibility of the Army Correctional Command ACC is the management of resources like force structure, budget, personnel and the day to day operations of the U.S Military Corrections System (Grande, 2009). The U.S Military Corrections system has two oversees facilities in Germany and Korea, two medium security regional facilities in Fort Sill Oklahoma and Fort Lewis Washington, and one maximum security prison ( U.S Disciplinary Barracks ) in Fort Leavenworth Kansas. Both the regional Military Corrections facilities and U.S Disciplinary Barracks provide a complete range of custodial and correctional treatment programs to military offenders regardless of the branch of service, and the only maximum security facility in the department of U.S defense is the U.S Disciplinary Barracks. The military corrections system comprise of three level tiers: Level-1 accommodates inmates with sentence of less than one year. The level-1 tier has no different from the public prisons and most programs are the same in comparison. The marine corps operates two facilities- the navy is in charge of six facilities, while the air force manages 36 facilities. The level-1 tier is not controlled by the Army.

Essay - Controversy between Safe and Pure Drinking Water | Subjects: English - Undergraduate In United States, the endangered species Act remains domineering in protecting and preventing extinction of endangered animals and plants within the earth and sea.While implementation and realization of recovery plans including endangered species Act polices administered by Fish and wildlife service, as an agency remains extremely expensive and effectual to the economy, it has greater benefits. Recovery and prevention of endangered species have greater significant benefits including maintenance and sustainability of the ecosystem when compared to protection of individual property rights. Ecological balance requires collective involvement of animals and plants, a condition that eliminates individual rights. It is imperious to note that protecting and efficient recovery remains authoritative in preserving societal cultural values besides mutual scientific and economic values.Moreover, recovery policies including endangered species have remained indispensable in preserving the most precious fisheries, plants, and animals that faced extinction threats in America. The most significant animals that faced extinction and have successfully been recovered from the danger includes California tiger salamander, black-footed ferret, delta smelt, salt-marsh harvest mouse, alameda whipsnake, San joaquin kit fox, and many others (EPA, 2014). Preservation and recovery of the animals have remained essential in preserving Californian cultural heritage for instance besides contribution to overall economic growth through tourism, and supplementing educational studies.There exists great interdependence in nature consisting of a mutual benefit link between plants and animals. The interdependence system remains fundamental when there exists variety of plants and animals in ensuring ecological balance and maintenance. For instance, nitrogen cycle remains as the most significant bio-system that links a relationship in nature

Dissertation - Constructing three chapters of proposal | Subjects: Business - Ph.D. Essay - Disappearing Technology of the Twentieth Century | Subjects: History - Masters

The program also prepares students for improving their social behaviors that are needed to grow positively in the society.Here, an important point to mention is that a school counseling program is not just focused towards working with students, rather it works collaboratively with all stakeholders of the institute that include parents, teachers, students, and the community members. The purpose of engaging all stakeholders in the counseling program is to ensure that students prosper in an all-inclusive environment, which is extremely important for a student to reach his/her highest potential.The role of the school counselor is critical in improving academic and personal behaviors of the students. As Brown and Trusty (2005), “School counselors can use strategic interventions to improve academic achievement” (p. 1). A counselor is actually a guide or a leader who serves the needs of the students by taking in consideration their needs and demands and conveying them to the related authorities if necessary. It is the job of a counselor to listen to the concerns of students individually and in groups to identify their behavioral deficiencies and learning needs, as well as to help them improve their behaviors and achieve academic goals. A counselor listens to the students to get their viewpoints about the learning environment and tells them the ways to prosper in the environment in an appropriate manner. It is also the responsibility of a counselor to guide students in developing and maintain positive peer-to-peer and student-teacher relationships both of which are necessary for the students to show improved school performances. A counselor also works on improving the social attitudes and behaviors of students to help them become productive citizens.The phases of a school counseling program include planning, designing, implementing,

The responsibility of the Army Correctional Command ACC is the management of resources like force structure, budget, personnel and the day to day operations of the U.S Military Corrections System (Grande, 2009). The U.S Military Corrections system has two oversees facilities in Germany and Korea, two medium security regional facilities in Fort Sill Oklahoma and Fort Lewis Washington, and one maximum security prison ( U.S Disciplinary Barracks ) in Fort Leavenworth Kansas. Both the regional Military Corrections facilities and U.S Disciplinary Barracks provide a complete range of custodial and correctional treatment programs to military offenders regardless of the branch of service, and the only maximum security facility in the department of U.S defense is the U.S Disciplinary Barracks. The military corrections system comprise of three level tiers: Level-1 accommodates inmates with sentence of less than one year. The level-1 tier has no different from the public prisons and most programs are the same in comparison. The marine corps operates two facilities- the navy is in charge of six facilities, while the air force manages 36 facilities. The level-1 tier is not controlled by the Army.

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