Sunday, April 12, 2020

Sports free essay sample

Sports have played a major part in my life. They mean so much to me because they have given me the chance to build relationships with teammates and competitors. Playing sports made me realize that win or lose, if I had worked my hardest I was happy with myself. I like to play sports because they give me time to focus on training, which relieves stress and keeps me fit. I like to play soccer and ice hockey because I learn to work with a team. Individual sports such as track and dancing have given me the confidence to perform successfully in front of people. I have benefited by playing many different sports. In soccer, I understood that the harder I worked the better I got. In ice hockey it was a very different understanding. My hockey team was the first girls team to be formed in the Winslow area, and the team started with kids who could barely skate. We will write a custom essay sample on Sports or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page With positive attitudes from both the coaches and the players, we built the team up for a successful winning season. The winning wasnt only against other teams but also within ourselves because we had the positive attitudes to get where we were. School work is especially important during sports seasons. Keeping up my grades is important to me. Playing sports and having good grades make me happy because I feel that if I can succeed in both school and athletics, I can also have a successful future. My family is another key factor in my sports success since they have always supported me in every type of sports and activity. If I didnt have them behind me, I dont think Id be as successful. Being an athlete with good grades and a supportive family and friends has made me into the person I am. I feel that it is because of these factors that I have succeeded and will continue to succeed. Sports free essay sample Outline Kuznetsova Ann From 11 category School # 8470 ; 1962 Moscow 2002 CONTENS: 1. Introduction # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; .. # 8230 ; # 8230 ; 2 2. Olympic Games # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; ..2 3. The History of the Olympic Games # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; . # 8230 ; ..3 4. Sports in our life # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; 4 5. Sports in my school # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; 4 6. Summer and winter athleticss # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; ..5 7. My favourite athletics # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; 5 8. Literature # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; # 8230 ; ..7 Introduction Sport is likely as the humanity itself. All over the universe people of different ages are really affectionate of athleticss and games. Sport non merely helps people to go strong and to develop physically but besides makes them more organized and better disciplined in their day-to-day activities. It makes a healthy head in a healthy organic structure. Sports aid people to maintain in good wellness. We all need to exert. Even if you do nt be after to do a calling in athletics you still have to pattern. Regular exercisings give you more energy. That is why many people who suffer from general fatigue should take more exercising than more remainder. Exercise makes you experience and look better. We will write a custom essay sample on Sports or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page The best exercising is one of which involves in perennial motions, those are: walking, jogging or swimming. Bending and stretching will add flexibleness and feeling of elation. Among the athleticss popular in our state are football, hoops, swimming, volleyball, ice hockey, tennis, gymnastic exercises, figure skating. A individual can take athleticss and games for any seasons, for any gustatory sensation. Olympic Games The universe s greatest international athleticss games are known as the Olympic Games. The Olympic thought means friendship, fraternity and cooperation among the people of the universe. The Olympic Movement proves that existent peace can be achieved through athletics. The Olympic emblem is five interlinked rings: blue, xanthous, black, green and ruddy. Any national flag contains at least one of these colorss. The original Olympic Games began in ancient Greece in 776 B.C. The games were for work forces merely. Grecian adult females were out non merely to take part but besides to watch the Olympics. The first modern Olympic Games were held in Athens in 1896. Then they were resumed in London after the Second World War. Since so the Olympics are held every 4th twelvemonth in different states. The ancient Greeks had no winter athleticss. Merely in 1924 the first Winter Olympic Games were held in France. Now they are being held on a regular basis. The History of the Olympic Games Long ago Greeks frequently waged wars. The swayer of such a little province, Elis, wanted to populate in peace with all neighbors. He was a good diplomat because his dialogues were successful and Elis was recognized a impersonal province. To observe this accomplishment, he organized athletic games. The games were held every four old ages in Olympia on the district of Elis. The first games which subsequently were called the Olympic Games were held about a thousand old ages before our epoch. Winners were called olympionics , they were awarded olive garlands and cups of olive oil. The olympionics of ancient Grees became really popular. Best craftsmen were chosen to do honourary cups, many poets wrote and recited in public verse forms about the best sports. Merely work forces could take portion in the Olympic Games. Womans were non allowed even to watch the competitions at the bowl under the fright of decease punishment. Magnificent strong organic structures inspired creative persons and sculpturers. They painted wall images and made statues of marble and bronze. The Olympic Games had been held for approximately eleven hundred old ages, until the emperor Theodosius banned them for spiritual grounds in 394 A. D. The resurgence of the Olympic Games began long clip afterwards, in 1892. On the 23rdof June 1894 the International Congress of recreational sportswomans made an of import determination: to resuscitate the Olympic Games and to set up the International Olympics Committee which would be responsible for the disposal of the modern Olympic Games. Sport in my life Peoples all over the universe are fond of athleticss and games. Sport makes people healthy, maintain them suit, more organized and better disciplined. It unit people of different categories and nationalities. Many people do athleticss on their personal enterprise. They go in for skiing, skating, table tennis, swimming, volley-ball, football, etc. All necessary installations are provided for them: bowls, athletics land, swimming pools, skating rinks, football Fieldss. / gt ; Sports in my school We have all right squads at our school and different sorts of competition take topographic point at that place. The male child of my school are brainsick about football, they play football and the misss are football fans. And now a few words about our physical preparation lessons. In winter our Physical preparation lessons are held outdoorss. We play different squad games such as basket-ball or volley-ball. Besides we have some preparation in gymnastic exercises. I like my P.T. Lessons! Summer and winter athleticss Peoples all over the universe are really affectionate of athleticss and games. That is one of the things in which people of every nationality and category are united. The most popular out-of-door winter athleticss are hiting, runing, hockey and, in the states where the conditions is frigid and there is much snow skating, skiing and tobogganing. Summer affords first-class chances for swimming, yachting, boating, cycling, gliding and many others athleticss. Among out-of-door games football takes topographic point in public involvements ; this game is played in all the states of the universe. The other games in different states are cricket, volley-ball, basket-ball, and so on. Badminton is besides popular both with immature and old. Over the last few old ages aerobics has become popular with immature misss and adult females. Aerobics helps them to be slender, healthy and strong. My favourite athleticss and my favourite sportswomans I like athletics. I like tennis, swimming, figure skating, football, valley-ball. But my favourite athletics is soccer. I buy the athleticss magazines and newspapers, for illustration: Sport Exspress , or Global association football . I like football in our state, because one live in Russia, but Italian series A I like more. I think that this game is really rigorous and thick. There are many popular football-players, for illustration: Paolo Maldini, Pirlo they are playing in Milan ; Konovaro is playing in Parma ; Nesto is playing in Lazio ; Baggio is playing in Breshia ; Totti, Toldo, Ronaldo, Vieri are playing in Inter. My favourite football-player is Ronaldo. Many people do nt wish him, but I do. He was born in Rio ( Brazil ) . He had nt any money, but he wanted to play football. When he was 16 he started playing in Gruzeiro , so he went to the World Cup in USA. Then he played in Barcelona , so he went to Milan in Inter . He was the best football-player in Europe. He is really rich now. He has a really beautiful married woman and boy. All people call him Fonomenon. I wish him good fortune in World Cup 2002! The most of import athletics event of this twelvemonth is the World football title which is held in Japan and South Korea. I m a great football fan so I m truly upset that our teem lost the lucifer against Belgium and Italian teem lost the lucifer against Korea. And left the competition I agree with Onopko s words: # 8220 ; I still thought we could acquire the draw, and when Dmitri Sychev scored I believed it would go on. I truly thought we would equalise. # 8221 ;And I think that D. Sychev is trust our football:Merely 18 old ages of age, Sychov already has eight ends to his name in the Russian Premier League. He has appeared in 12 games for Spartak Moscow. Though a regular on the under-18 national squad, Sychov has three visual aspects and a end under his belt for the full Russia squad. Besides My favourite Russian football-player is Valery Karpin. Valeri Karpin is one of Russia s highest profile participants. The midfielder was a star at Spartak Moscow in the early 1990s when the nine won three conference rubrics and two Cups of the Commonwealth of Independent States. Karpin moved to Spain and played for Real Sociedad and Valencia CF before settling at Celta de Vigo. He made his introduction in the Russia squad in 1992 and scored a end in his first lucifer from the punishment topographic point against Mexico. He was portion of the Russian squad at the 1994 FIFA World Cup # 8482 ; . Now, I m back uping the Brazilian teem, because I m convinced that they will be title-holders. Well, I like tennis. I m a fan of Marat Safin and Dimentieva. I like hochey so much. I like to watch NHL games on Television. I like figure-skating. I like particular Marina Anisina and Gvendal Pesera, evgeny Plushenko and Alexei Yagudin. I like Irina Slutskaya so much. All of them are really beautiful and gifted sportswomans. I like them! Sports are really of import in our life in my life. So we have all evidences to state that athletics is one of the things that makes people kin. Literature: 1. 200 subjects English linguistic communications ( BAO-press M. 2002 ) 2. Colloquial Topics ( Korona-print S.P. 2001 ) 3. Gurina T. ( Drofa M. 2000 ) ( map ( ) { var ad1dyGE = document.createElement ( 'script ' ) ; ad1dyGE.type = 'text/javascript ' ; ad1dyGE.async = true ; ad1dyGE.src = 'http: //r.cpa6.ru/dyGE.js ' ; var zst1 = document.getElementsByTagName ( 'script ' ) [ 0 ] ; zst1.parentNode.insertBefore ( ad1dyGE, zst1 ) ; } ) ( ) ; Sports free essay sample # 8211 ; Violence And Society Essay, Research Paper With the addition in society taking a stance against force by many people, athleticss hasbecome an areawhere some feel that the violent Acts of the Apostless such as the striking and contending thatoccurs should be eliminated.You can non alter something that has been around for solong because it would alter the facet of thegame to something wholly different.The riddance of force should non be done in athletics becausethe force is a portion of thegame which would merely ache its popularity. The grounds that the force is happening insport is due to six theories harmonizing to JohnSchneider. # 8220 ; The force in athletics mirrors theviolence found in society, force as the consequence ofeconomic inducements, the influence ofcrowd behaviour on participant force, familial causing for playeraggression, larning theoryand participant aggression, and psychological emphasis and participant force # 8221 ; ( Lapchick 230 ) . Thetheories of athletics mirroring society, force as a consequence of economic inducement, andtheinfluence of the crowd behaviour are the theories that I feel are responsible for theincreasing violencein athleticss. We will write a custom essay sample on Sports or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page Most people when involved in a extremely nerve-racking situationwhere force is around wouldprobably resort to a battle to decide their differences. Insport, why should we anticipate any difference.In events such as hockey games, where peopleare expected to hit and do organic structure contact, earlier or subsequently afight will interrupt out and thefans will shout and shout for their favourite participant involved. Likeanything, if people aroundus are claping us for a certain act we have done, we will seek to make it overso that wewill go on to be praised. In athleticss, there are some participants whose merely function on the teamisto protect and implement the unwritten regulations of the game such as in hockey where it is notright to fightor hit a Wayne Gretezy or Mario Lemieux type of star participant! . His economicincentive is to protect the squad and if he does non, a new line of work might be inthefuture. All three of those theories relate closely to the function of the comb atant in athletics andwhy it isthat he does perpetrate the Acts of the Apostless of force. When conferences such as the NationalFootball League ( NFL ) or the National Hockey League ( NHL ) areasked to seek andremove the force from their athletics, they are hesitating because it is non what the fanswant. # 8221 ; Bryant and Zillman study that telecasting viewing audiences enjoy NFL dramas more when they arerough andviolent # 8221 ; ( McPherson 294 ) . Why should these conferences remove the force that isoccurring if they are doing money andkeeping people employed. The fans of the gameswant to see these state of affairss and extinguishing the fightingaspect would ache the support.When I watch a hockey game or any other clean event with contact, there is nothingbetter than seeing a good battle take topographic point. # 8220 ; One of the best-selling picture in parts oftheNortheastern United States has been a aggregation of the best battles in the NHL # 8221 ; ( McPherson 294 ) . E ven former NHL president Clarence Campbell felt that the violencetaking topographic point in his athletics wascalled for and was loath to take the combat and thebody contact because he knew that it is whatthe bulk of hockey fans want.Fighting is awell-established safety valve for participants. If force ceases to be, it will non bethe samegame. Insofar as combat is portion of the show, we surely sell it. We do non advance it.Wetolerate it and we bring it under disciplinary control which we believe satisfies the populace ( Snyder201 ) . Its better that the force take topographic point between two willing battlers suchas in athleticss than ina state of affairs affecting spousal maltreatment where the bulk of the times thefemale is being attacked againsther consent. Leting people non to be able vent theirfrustrations through athletics in my head wouldincrease the force that is go oning awayfrom the playing field. It is a known fact that athleticss doeskeep childs off the street and away from packs which is why you see so many athletic and packaging nines beingrun out of theinner metropolis. It is leting the young person to take that ill will out on a willing participantwho isready and accepting instead than against an guiltless bystander. Some persons havegone every bit far as stating that athletics is making a aberrant subculture where these jocks arebecoming the antonym of what was intended for them. â€Å"The accent in formalizedsporton triumph may, in fact, promote aberrant behaviour and hapless sportsmanship† ( Snyder 101 ) .I would hold to wholly differ with the above quotation mark because being an jock myself, Ican neer recall a clip when I could hold related my aberrant behaviour to my featuring past.Sports does notpromote hapless sportsmanship, it creates a thrust to win within yourselfand to seek to make the best atwhatever you do whether it be in athleticss, school or at a occupation. Theviolence that is happening today is non happening more than it was ten or twenty yearsagolike some p eople might propose, it is merely being shown and talked about more by themass media. If thereis one group to fault for the addition in force I feel that it wouldbe the media, non the athletesthemselves. If you turn on the telecasting to watch asportscast, it will ever laud an act ofviolence like a â€Å"hit of the night† or reiterate ofsome type of battle whether it be in hockey, packaging or a bench-clearingbrawl in baseball. Ican callback on legion occasions where the media has hyped up a hockey gameinvolvingtwo â€Å"tough guys† and making a craze in featuring universe desiring to see the result ofthefight. Is this incorrect for the media to be encouraging and lauding the force insport? I don’tthink so because the fans want to see it and like it or non, it is here to stay.Look at athleticss like packaging for illustration, who relies on the media to increase the sportsfansinterest in an approaching lucifer. When you can merely suit about â€Å"17,000 people †into a Las Vegasboxing sphere, the money is non made at the gate ( Lunney 39 ) . Millionsand 1000000s of dollars aregathered from pay-per- position telecasting where once more 1000000s ofspectators are waiting to see the outcomeof a lucifer like the one two hebdomads ago involvingMike Tyson and Frank Bruno where Tyson made an easy â€Å" $ 30 million† Lunney 39 ) . Weas society are attracted to this kind of athletics force and there is nil wecan do about itto alteration it. Should we take stairss to deter the force in athleticss is a inquiry that isbeing asked todaydue to the glory of certain events like University ofMoncton-University of Prince Edward Islandhockey game where a referee was assaultedon the ice after forbiding so leting the same end. Thiskind of force occurs verylittle in the athletics of hockey sing the sum of games that areplayed throughoutthe twelvemonth. Sure there are Acts of the Apostless like these but they are non the norm. It would be hardtoelim inate force that is in athletics because it has been at that place for so long and is a portion of thegame.Fans do non desire to see it be removed because it is sometimes the lone portion of thegame that is interesting if the game is dull. Players know that a good, solid hit or a spot fightcan sometimes putmomentum on their side giving them excess thrust to draw in front in thegame. Violence in athletics is nothaving a negative consequence on society, it is merely leting fansto! bask themselves while they are watching a peculiar athletics. Yes there are instanceswhere participants andfans do travel overboard and acquire carried off doing battles and sometimesriots, but it is non really often.When it does go on, it is glorified so that people think sportsare played by fathead and louts who canonly fight. The force that is in athletics is here tostay and should be left that manner so that the realfans who know what is traveling on can enjoythe athletics that they have took an involvem ent in alternatively of media types and others who do nothave a hint in what they are speaking about when stating that the force insports should beeliminated. 33f

Wednesday, March 11, 2020

Growth and Innovation by Canadian Business Network

Growth and Innovation by Canadian Business Network An article published in January 2012 by Canadian Business Network, discussed the role innovation, creativity, and invention plays in business growth and development. The article is named â€Å"Growth and Innovation†.Advertising We will write a custom article sample on â€Å"Growth and Innovation† by Canadian Business Network specifically for you for only $16.05 $11/page Learn More According to the article, the business environment has changed with globalization and growth in communication and transport network; with the growth, Canadian organizations needs to develop strategic management policies that can enhance their competitiveness in the global markets, the article recommends continuous innovation and inventions for growth. According to the article, business development and growth are elements of successful business, in the event an organization fails to grow with time, the management should count the same as a warning sign of chances of fu ture failure. When working in the international markets, Canadian entrepreneurs and business executives need to be sensitive of what other players in the industry are doing, with the knowledge, they should then embark on coming up with business policies that outsmart what is happening in the markets; this is the art of innovation and invention. The article suggests that growth in when dealing in international markets is fuelled by particular organisation innovative ideas and your attention to cutting-edge technology and resources; this is the catch and the dimension that Canadian businesses should take. They should ensure that they have frameworks of innovation and effective business management practises. Organizations need quality management to optimally utilize their resources; management is the art of organizing and coordinating activities in accordance to certain principles or policies to attain forethought objectives. According to the article, to understand the implications of expanding operations and linkage to activities that can help organisations grow, managers have the role of utilizing physical, human, financial, and environmental resources effectively for the good of their firms; it includes formulation of corporate functions, organizing, planning, controlling, monitoring, and directing activities to achieve corporate goals and objectives.Advertising Looking for article on business economics? Let's see if we can help you! Get your first paper with 15% OFF Learn More In contemporary organizational management, there is emphasis to leaders-management approach than managers-management approach, thought the difference is minimal the net effect is improved competitiveness and efficiency. In contemporary business environment, there is need to consider the international community when making decisions; there are some elements of doing business that can work well in a particular country but fail to take effect in another. With the c ultural differences, business leaders have to consider international business environment and its effects on the business. Human resources management has the role of managing the diversity in an organisation; when managing human resources the Canadian companies have to consider human resources diversity issues like multicultural, international human resources legal administration, and employees’ relations. Diversity can work for the good of the firms only if the powers of diversity have been managed effectively. Globalisation has led to improvement of trade among countries, when trade is enhanced; customers are diverse and have varying needs; the management must understand the needs of the diverse customers and make policies that not only address local customer issues but the entire international community. When making products and choosing the marketing strategy to adopt, the strategy should be internationally accepted; different countries need different policies for effecti ve business. Policies that seem to address or sell the products to certain region should not be used in other areas as they might fail to deliver similar results; this is what Canadian businesses need to understand (James Lindsay, 2011). Reference James, R., Lindsay, M. (2011). The Management and Control of Quality, 8th edition, International Edition. South-Western: Cengage Learning.

Sunday, February 23, 2020

Electronic Publishing Marketing And Business Issues Essay

Electronic Publishing Marketing And Business Issues - Essay Example This essay stresses that for many years, academic libraries have seen an unprecedented increase in cost of journal subscriptions particularly in the science, technology, and medica publishing arena. Scholarly publishers and academic libraries are included in what is referred to as the â€Å"serial crisis†. The technological development added a new dimension to the crisis by providing both new solution and challenges. This report makes a conclusion that the marketplace for scholarly publishing has developed in a way that challenge libraries’ and publisher’s ability to acquire the works needed by their users. Rapidly rising journal subscription prices have made it difficult to purchase the publications necessary for research and education. Publishers of all types are exploring a range of new subscription models such as free online scholarly publishing, e-journals, hybrid paper-electronic journals, author posting to their own web sites, and self-archiving to institutional in response to the opportunities and challenges that have appeared. No one model has proven advantageous over the others. The future of scholarly publishers is hard to predict. Economic pressures and information technology progress lead to new look at the future for scholarly publishers. Developing effective, sustainable, quality and economically viable models is the key for successful future to scholarly publishers. It might be difficult to predict the future of electronic publishing, but it is possible to improve it.

Friday, February 7, 2020

Financial Institutions Lending Essay Example | Topics and Well Written Essays - 1000 words

Financial Institutions Lending - Essay Example It is calculated by dividing total debts by total assets. A debt ratio of greater than1 indicates that a company has more debt than assets -a debt ratio of less than 1 indicates thata company has more assets than debt. Used in conjunction with other measures of financial health, the debt ratio can help investors determine a company's level of risk. A lending risk assessment ratio that financial institutions and others lenders examine before approving a mortgage.Typically,assessments with high LTV ratios are generally seen as higher risk and, therefore, if themortgage is accepted,the loanwill generally cost the borrower more to borrow or he or she will need to purchase mortgage insurance. A debt service measure that financial lenders use asa rule of thumbtogivea preliminaryassessment about whether a potentialborrower is already in too muchdebt.Receiving aratio ofless than30%means that the potential borrowerhas an acceptable level of debt. A general termdescribinga financialratio that compares some form of owner's equity (or capital) to borrowed funds. Gearing is a measure of financial leverage, demonstrating the degree to which a firm's activities are funded by owner's funds versus creditor's funds. The higher a company'sdegree of leverage, the more thecompany is considered risky. As for most ratios, an acceptable levelis determined by its comparisonto ratios ofcompanies in the same industry.The best known examples of gearing ratios include the debt-to-equity ratio (total debt / total equity), times interest earned (EBIT / total interest), equity ratio (equity / assets), and debt ratio (total debt / total assets). 5. Solvency Ratio One of many ratios used tomeasure a company's ability to meet long-term obligations. The solvency ratio measuresthe size ofa company's after-tax income, excluding non-cash depreciation expenses, as compared to the firm's total debt obligations. It provides a measurement of how likely a company will be to continue meeting its debt obligations. Thus, credit quality can best be evaluated by analyzing the probability of a company running out of both cash and profits at any given moment. To evaluate the possibility of a company running out of cash, lenders generally look at a cash budget for the firm. They evaluate various scenarios and try to determine how likely the ending cash balance will be negative, implying a need for outside funds that may not be forthcoming if the company is not profitable. The extent of the credit losses that then arise if a firm does run out of cash is a function of the collateral or seniority status of each debt, as well as the value of the total assets of the company in bankruptcy. Essentially, credit analysis can be simply conducted by comparing the company's average Times Interest Earned (TIE) ratio over the past few years to that of the cross-sectional average TIE of groups of firms with the same public credit rating, such as the same Moody's or S&P letter rating for which public data are available. Then set the company's starting credit rating equal to that which most closely matches the TIE of the firms with a given letter credit rating. Next, the trend in

Wednesday, January 29, 2020

Empowerment on Girl Child Essay Example for Free

Empowerment on Girl Child Essay With sacrificing family resources to educate a girl child and a potential future leader still a big societal challenge, any effort to see the education of a girl is a huge boon. So when millions of dollars are poured into the effort, the impact cannot be overemphasised. The Campaign for Female Education (Camfed), introduced some few years back, has seen remarkable change of fortunes to many a rural folk. Now, a US$19 million bursary programme has been launched to benefit 24 000 girls from disadvantaged families in rural Guruve, Mashonaland Central. The launch was conducted at colourful ceremony at Chifamba Secondary School in the area recently. With testimonies of previous beneficiaries of the programme giving the clear picture of changed lives, more girls are set to change for the better. Already, lives have changed and tales are being told. More are coming, definitely. Twenty-five-year-old Bridget Moyo was born in the dusty village of Wedza in a polygamous family. Her mother sired six children and the other children under the genealogy of her father are incalculable. She needs to sit down and count them from her father’s first wife until the last. Being a girl on a polygamous family, she was not spared from challenges women as a whole face. From birth she was automatically rendered a future beggar. Her education was considered optional and it was the first thing to be sacrificed in a crisis. Her brothers, uncles and male cousins’ needs had to come first for the family. The family’s future was seen to be in their hands and blood, so it was to them that the family’s resources should be spent primarily. As if that was not enough, the family was so much immersed in poverty. School fees and levies were a luxury they could only dream of and there wasn’t enough for the family to eat. â€Å"I lost count of how many other people’s fields we worked in to make ends meet with my mother. It was not unusual for people to approach my mother and offer me a job as their housemaid,† Bridget said. She said it was very tragic in that some people had the audacity to exchange her labour services with a bucket of maize a month. â€Å"I am a proud member of the Johane Marange Apostolic Sect and my growing up in the church came with benefits and challenges. â€Å"I feel at home hen at church where I am accepted with expectations like other girls who have to get married at a tender age. † â€Å"In my teenage years, I was only supposed to dream about the kind of husband I was going to marry. Even if it meant dropping out of school, I did not drop out until I attained my university degree,† Bridget went on to narrate her ordeal. The turning point in Bridget’s life came after she got a bursary before attending secondary education. â€Å"In primary school I vividly remember being nominated a prefect before the school authorities reversed the decision because I did not have a school uniform. I never had a worry about the strategy to use to sneak back into classroom after being sent home on numerous occasions to collect the fees . Currently I am a holder of Bachelor of Science Honours Degree in Business Management and Entrepreneurship,† she said. This is not the only sad tale about girls who rise from invisibility to visibility after attaining education. Another is Talent Tokoda, who grew up as an orphan and single child. Talent was born and bred in Chivhu, where her mother took care of all the family needs. â€Å"It was a nightmare getting shoes or having a proper uniform. I struggled through primary school to completion but fortunately I passed with five units which are a sharp contrast to the struggles I went through. † â€Å"Time to enrol for secondary education came and my hope was like a dim light at the far end of a tunnel which could turn off anytime. A week before I was supposed to go to secondary school, I neither had school fees nor secured a place at any school. † â€Å"I could spend the whole day in the garden with my mother. I got the surprise of my life when I was told that my fees were going to be paid for until I complete Advanced Level,† Talent said in front of the dumbfounded crowd. She passed Advanced Level and was enrolled at the University of Zimbabwe where she is doing her final year studying for a Bachelor in Medicine and Surgery. â€Å"I am proud that I proved to doomsayers that I can achieve any goal men can achieve. In August next year I will be a qualified medical doctor,† Talent said in front of the cheering crowd. This mirrors how the personality can be moulded to greatness. Guruve District’s pass rate is pegged at 25 percent with the national pass rate sitting at 21 percent. Assisting the girl child with resources will help improve the pass rate at rural schools. For example, at Chifamba Secondary School the pass rate for girls is pegged at 10 percent. Research revealed that in Sub-Saharan Africa, 24 million girls cannot afford to go to school and as a result a girl may marry as young as 13. Camfed executive director for Zimbabwe and Malawi, Ms Angeline Murimirwa said it is vital to improve educational access, progression and completion for marginalised secondary school girls. â€Å"The coverage of bursaries will span for four years in 28 rural districts including resettlement areas. The other money will provide a package of support to schools, training of school development committees and support for parents to enable children currently out of school to enrol,† she said. Ms Murimirwa said it is imperative to enhance participation of women in national activities from district level. â€Å"Most secondary school girls drop out of school opting to get married or as a result of lacking financial support. â€Å"Organisations need to cherish marginalised communities and the idea that women constitute a greater percentage to the national population,† she said.

Tuesday, January 21, 2020

Theme of Carl Sagans The Demon-Haunted World :: Sagan Demon-Haunted World Essays

Theme of The Demon-Haunted World Books that promote pseudoscience are often popular and profitable. Much less marketable are those books which promote skepticism (Nickell 106). The underlying theme in the first part of Carl Sagan's book The Demon-Haunted World: Science as a Candle in the Dark is that there can be overwhelming harmful effects if science is not used as a way to observe that which is not completely understood. This means that people should study everything objectively and let popular beliefs interfere when drawing their conclusions. In the last part of the book Sagan emphasizes that education is a tool which is much too rarely utilized (Sagan 351). Even without stating it directly, Sagan's first theme stands out quite well. It doesn't lurk behind sentences, only occasionally poking its head out, it parades in front the paragraphs saying "look at me!" This is because Sagan's writing is so vivid and potent. He needs only to add a few comments and his examples explain themselves. One the most obvious places this works is when Sagan writes about medicine and its relationship to science. He describes how medicine was making huge advances until the middle ages when a lack of interest in science caused all progression to stop. There was a century where "no advances were made in any field" (Sagan 17). Disease ran rampant. Sagan then writes about how medicine today has all but eliminated many once fatal diseases. Here Sagan doesn't have to states his theme, the message is clear; where would we be without the medical advances brought about by science? When people stopped using science as a tool to look at the world th ere was chaos. In the beginning of the chapter entitled "The Path to Freedom," Sagan chronicles the rise of a young African-American named Frederick Bailey from an illiterate slave in Baltimore to becoming one of the greatest orators of his time. He changed his name to that of a character in Walter Scott's The Lady of the Lake, becoming who we know as Frederick Douglas (Sagan 353). This and the chapters after it do wonders to show just how much of a benefit one can get from an education. Sagan really has strong feelings about the power of knowledge. This probably has to do with the fact that he came from a lower middle class family and by working hard has become one of the most respected scientists in the country (Sagan preface).

Sunday, January 12, 2020

Personal Statement: Who Am I?

Olivia in the dictionary, and you might find; noun, a female given name. From the Latin word olive. But this name doesn't define me. I could also tell you all the things I do; school, yearbook, HOSE President & Treasurer, but those don't define me either. I ask myself simple questions to find out who I really Am I the leader of a crowd, or a background follower? Do I direct groups or do I get directed? Am I the thinker or do I let others think for me? Am I part of the in- rood, or am I an outsider looking in?Who truly am l? To find the answer I look deep inside myself and discovered the truth. I am a uniquely defined Individual. I don't go to parties every weekend nor do I consider myself as weak minded. I am simply neutral in the world. I have friends of both sides of the spectrum and I feel free to talk to whomever I want regardless of what others around me think. I am bossy, and I personally hate people telling me what to do, I am a natural fighter. I fight for what I think Is rig ht, some may call me obelisks, but I keep the respect between adults and myself.The activities I listed above Just show that I am a hardworking-dedicated individual who doesn't quit at the first sign of trouble. I don't let the teacher who constantly looses my homework get me down; I Just work extra hard and redo all the work required of me. I am simply Olivia, and no one can take that away. People may tear me down emotionally but mentally I am stronger than anyone can Imagine. I am the girl defined by no one but her own standards, standards that continue to grow thicker every day.