Free Essays on Ban Smoking

Ban Smoking in Public Places America is a country that’s based on freedom. People have certain rights as citizens, but those rights are limited if they begin to harm others. For example, people have the right to smoke cigarettes if they want to, but when their smoking is harming others, shouldn’t it be against the law? For many years now, there has been many organizations and governments that have reported secondhand smoke is very harmful to nonsmokers (Secondhand 1). About one thousand or more people die annually in Great Britain because of secondhand smoke (Hope 1). Here in America, the Environmental Protection Agency (EPA) reports that about 3,000 nonsmokers die each year from lung cancer obtained from being exposed to secondhand smoke (Workplace 1). The American Heart Associations says about 35,000 nonsmokers die each year with heart problems associated with secondhand smoke (Haney 1). Between 150,000 and 300,000 children less than 18 months old get pneumonia or bronchitis due to secondha nd smoke each year (The Truth 1). These numbers are very startling, and there should be something done to try to reduce them. Even after all of the evidence found today, some people still say â€Å"I’m not harming anyone by smoking but myself, so why should you care?† Smoking should be banned all together in public places such as government buildings, stores, restaurants, theaters and workplaces. Health considerations are the number one reason why it should be banned, but banning smoking could also help businesses financially. Restaurants and other places have tried to deal with the smoking issue by assigning certain sections where smoking is allowed and other sections where it is prohibited. All this does is allow people to eat freely without smoke in their face. The smell is still there, the harmful agents are still there, and the workers still have to come directly in contact with it. Also, the tobacco industry has tried to co... Free Essays on Ban Smoking Free Essays on Ban Smoking Ban Smoking in Public Places America is a country that’s based on freedom. People have certain rights as citizens, but those rights are limited if they begin to harm others. For example, people have the right to smoke cigarettes if they want to, but when their smoking is harming others, shouldn’t it be against the law? For many years now, there has been many organizations and governments that have reported secondhand smoke is very harmful to nonsmokers (Secondhand 1). About one thousand or more people die annually in Great Britain because of secondhand smoke (Hope 1). Here in America, the Environmental Protection Agency (EPA) reports that about 3,000 nonsmokers die each year from lung cancer obtained from being exposed to secondhand smoke (Workplace 1). The American Heart Associations says about 35,000 nonsmokers die each year with heart problems associated with secondhand smoke (Haney 1). Between 150,000 and 300,000 children less than 18 months old get pneumonia or bronchitis due to secondha nd smoke each year (The Truth 1). These numbers are very startling, and there should be something done to try to reduce them. Even after all of the evidence found today, some people still say â€Å"I’m not harming anyone by smoking but myself, so why should you care?† Smoking should be banned all together in public places such as government buildings, stores, restaurants, theaters and workplaces. Health considerations are the number one reason why it should be banned, but banning smoking could also help businesses financially. Restaurants and other places have tried to deal with the smoking issue by assigning certain sections where smoking is allowed and other sections where it is prohibited. All this does is allow people to eat freely without smoke in their face. The smell is still there, the harmful agents are still there, and the workers still have to come directly in contact with it. Also, the tobacco industry has tried to co...

strong people essays

strong people essays Do you admire strong people? What about people who you wish you could be like? Or, are you someone who likes a real man who treats a girl right? Debbie Maccomber puts all of these elements in Navy Brat. Erin MacMamera is a hard working woman whos strong, and Brandon Davis is a charming man, who every girl would dream to have. I highly recommend that this book be read. First of all, Brandon Davis is a good guy, and every girl would dream to be with him. Brandon is a very gorgeous looking person. Most good looking guys dont even give girls a chance, unless they are perfect. This is because most men are jerks and only care about looks. They dont try to see inner beauty. Brand is different. Even though hes drop dead gorgeous, he falls for Erin. Erin isnt the prettiest woman. She is described as a sophisticated and distinctively Irish. The author says shes pretty but shes not even close to being strikingly beautiful. Brand sees past this and treats her like a woman should be treated. To him, she was the most beautiful woman in the world. What girls wouldnt want a guy like that? When Brand was away at sea because he was in the navy, he wrote Erin a letter every single day. No matter what, he made it a point to write to her. If thats not sweet, then I dont know what is. He was very persistent with Erin because he wanted to be with her. But if she wante d him to stop pushing her he did. He never forced her to do anything she didnt want to, and he backed off when she needed space. Quite clearly, Brand is an extremely wonderful man. Not all men are like that. A lot get bored, give up easily, or treat girls poorly. Brand is totally different. Hes definitely a dream guy that any girl would want! Second, the character of Erin MacNamera is an extremely admirable one. Shes a very strong, well educated, and caring individual. She picked her life up on her own and moved...

Visit a community agency or family support services Essay

Visit a community agency or family support services - Essay Example As far as this local community agency is concerned, it is being run by an elderly gentleman who believes in the premise of imparting services to the people who deserve them the most. I was astounded to know that he collected donations from people through his own efforts and did not have any proper funding mechanisms in place. This made his place within my heart even more because he was doing all this out of his own hard work and commitment (Dror, 2002). I understood that this gentleman derived the funds for the local community agency through donations since he visited different schools, colleges and universities to ask the students and teachers for the funding. He also visited people who were of repute and had a certain standing within the society. I am of the view that this money was being used in a very corrective fashion since he gained due insight at using the funds and thus knew how to turn little amount of resources into solid results. What is even more interesting is the fact that the local community agency is being run by a complete management committee which reports to the director (the gentleman under question). This management committee makes sure that the different processes and activities are being solicited and run in an amicable fashion so that there are no apprehensions as such, and the end results are very positive from the long term scheme of things. My mind opened up when I saw a small place turning dreams into realities (Crichton, 1997). I envisioned how success could be reached upon if there is good will and determination applied to the same. This gave me comprehension that I can work there and learn the true essence of life as it was important for me as far as the future domains were concerned. The observations and analysis of this local community agency are important to list here. Patients had a very positive outlook for the local community agency and they came to it with the hope that either they will recover or their family members woul d see the light of the day at the earliest possible moment. They had inkling and a ray of hope that the local community agency would help solve their problems and would in essence offer them a cost-effective and even a free solution to make sure that their issues get resolved. They would be relieved of their ailments and illnesses which were plaguing them as I personally contacted one of the patients who had come to the local community agency. She told me that she and her entire family had been visiting the local community agency for the last 2 years as this was the most affordable local community agency in the whole area. She told me she did not have enough money on her to pay for the rising medical costs of the time. I also analyzed that the courteous behavior of the medical staff was something that worked very well with the people who had visited the local community agency. The patients and their accompanying guests were grateful that the local community agency’s medical s taff had a positive mindset and that they looked after them in a very hospitable way (Dawkins, 2007). I am glad that I visited this local community agency to gain a good amount of understanding because it created empathy within my personality and told me how I could be accountable for my actions and behaviors if seen from a very moral perspective. I am happy that I learned all this stuff very quickly and

New Zealand Bank Lending Practice Research Proposal

New Zealand Bank Lending Practice - Research Proposal Example Personal Lending is one such area where the lending rates are higher as compared to other conventional users of banking thus finance companies tend to bet more on them and in the process sometimes violate their own lending criterion. Finance Companies in New Zealand are continuously heating up the personal lending market by allowing generous limits to the consumers. In this process they tend to violate their own lending policies also. This research will undertake to analyze the reasons behind the violations of the lending policies by Finance companies in New Zealand. The current subprime crisis in US clearly suggest that finance companies including Banks have tended to avoid exercising general prudence while making lending decisions. Getting consumer credit through various financial institutions especially banks requires consumers to maintain a certain degree of credit rating in order to qualify for those loans. Unlike large corporate companies, consumers or rather individuals pose a different challenge and dynamics to financial institutions to cater their needs for credit and formal funding requirements of these individuals. It is because of this reason that various banks and financial institutions have developed their internal rating methodologies which they assign to various consumers asking for credit. Banks than through their internal as well external credit scores or ratings decide to whom they should provide the credit. These criteria of credit rating often are designed to be tough since Banks in order to avoid defaults, tighten their cri teria to extend the credit to these customers. However, due to increasing needs of those customers, whose credit history or their credit ratings do not fall under the criteria laid down by the banks, banks try to accommodate them also. Most of the banking groups within Australia and New Zealand have therefore entered into practices which defy the most basic precautions when lending in personal loan market. This is now resulting into increasing provisions from the banks. (Verrender, 2008) Statement of the Purpose and Significance of the study The study is significant in the sense that it would be one of its kinds to study the qualitative reasons behind this phenomenon and may lead us to the indications of the financial procyclicality impacts on the financial sector of New Zealand. The so called KiwiSaver rules have allowed banks to charge interest rates much beyond the normal rates despite the fact that Card debits especially in case of Credit Cards, Mortgages as well as personal loans are tied up with the mortgages of the customer. In this way, they get extra and in order to earn extra, they loose or violate their lending practices to accommodate the borrowers. (Stock, 2008) Further, to this, Finance Companies in the country are considered to be more aggressive while making lending decisions which in turn put pressures on the overall liquidity position in the financial sector thus effectively straining the resources of the nation. It is believed that the Finance companies in New Zealand have not yet fully developed the credit scoring models also to effectively

Humanities Today Paper Essay Example for Free

Humanities Today Paper Essay Humanities are branches of knowledge that investigate human beings, their culture, and their self-expression. Distinguished from the physical and biological sciences and, sometimes, from the social sciences, the humanities include the study of languages and literatures, the arts, history, and philosophy. The modern conception of the humanities has roots in the classical Greek paideia, a course in general education dating from the fifth century BC that prepared young men for citizenship. Humanities also draw on Ciceros humanitas, a program of training for orators set forth in 55 BC. The Renaissance humanists contrasted studia humanitatis (studies of humanity) with studies of the divine; by the 19th century the distinction was instead drawn between the humanities and the sciences (Encyclopedia Britannica, 2006). The humanities are a group of academic subjects united by a commitment to studying aspects of the human condition and a qualitative approach that generally prevents a single paradigm from coming to define any discipline. The humanities are usually distinguished from the social sciences and the natural sciences and include subjects such as the classics, languages, literature, music, philosophy, the performing arts, religion and the visual arts. Other subjects at times included as humanities in some parts of the world include archaeology, area studies, communications, cultural studies and history, although these are often regarded as social sciences elsewhere (Wikipedia, 2006). Humanity in general is the experience of being human. The experience can be visual, audible or by touch. The philosophy of being human is also the aim within the general perception of humanity, thus separating the commonality understanding humanity from the personal experience of being human. The difference between the visualization of humanity and the practical application of humanity is the understanding of the critical observation of what humanity should be versus what humanity is. The larger interpretation deals with the different disciplines of science, medical and even in psychology. I do not believe that anyone can understand that the present situation globally has anything to do with humanity. For example, I do not believe that killing and raping like in Darfur or in other areas like Iraq  or Iran has anything or needs much explanation if that is also humanity and if it is not, what is it?ArtThe art of painting has been said that the painters soul speaks within the creation of the painting. For example, Leonardo DaVincis painting of Mona Lisa is not proven that Mona Lisa really smiled, yet in the eyes of the soul of Leonardo DaVinci he saw this smile which leads to the conclusion that humanity has a soul which one cannot assume in contrast to an animal. In the style of surrealism, one can make the statement that the soul is talking in a language that only the painter can understand. To finish this topic of art and humanity, it is possible to say that the soul in humanity has many different faces that is only understood by the creator. The harmony or the dis-harmony to be attracted to one or the other like Rubens painting versus Picassos abstracts indicates that the resonance of the viewer is enchanted or dismayed, thus this only shows the uniqueness of the soul. Music Music from the viewpoint of ones understanding of humanity is the rhythm of life. One would find oneself during the day humming this or that tune. One may not know why but one would be expressing the humming as joy. Theoritically one could ask the question, is music also the expression of the soul and if the answer is yes then why does the symphony entice some people but not all? So often one is confronted with the social expression that many people are gathered to be stimulated by the melody rather than the words. Case and point, when men have get togethers they are singing 99 bottles of beer on the wall which has nothing to do with the harmony or the expression of the soul and yet they are happy. Then the men start to come up with all kinds of variations of the song. If music is the expression of humanity or if humanity is the expression of music, then joy is the same. An opera for someone that likes opera, can be very moving in emotions. An overture can also be very moving. There are many people that like overtures and a cello concert and there are many people that like Christina Aguilera, Leonard Cohen or Johnny Cash. One can see as diverse the music, so diverse is humanitys perception of it. ArchitectureThe visualization of an architect to create a structure is based upon the landscape and the scenery that can entice the architect to think  and then create. It would be interesting to understand a child that creates the architecture in the clouds and tells his or her mother to look at the castle in the sky versus an architect that sees the scenery and skillfully builds the castle. That would be the different findings. Throughout history, one has seen different styles of architecture like Roman and Gothic. Roman architecture is round and gothic is more triangular. Looking at Baroque, we see straight lines. All those different architectural styles are the expression of humanity and humanitys evolution. PhilosophyPhilosophy in ones opinion is the most intriguing part of humanity. To ask a question and to not have an answer or not wanting an answer, that is philosophy. Philosophy is the purest of the interpretation of humanities which means that humanities in action is at its best. The progression of thinking. What does it mean when Socrates says, I know that I dont know or Shakepeare in Hamlet who says to be or not to be. With other words, philosophy represents the capabilities of humanities. Literature Humanity and literature go hand-in-hand with the evolution of humans and the different societies. Ancient texts like the Bible and other writings represent the history of humankind as written words where more and more use for communication. As the Bible seems to be the representation of the history of a particular group of people like the Jews, other groups like in the Mesopotamian history became less and less a real representation of history by geographic means. Literature became more poetic. For example the Mesopotamian epic story of Gilgamesh. Throughout the evolution of humankind, technology has changed the socio-economic structure which means from hieroglyphs communicated in clay or stone tablets to the skillfull calligraphy in monasteries and the triumph of the printing press by Gutenberg. Today literature is different because reading a book in the time of internet is almost a sacrilege. In not reading books in the way that it was done in the past, society has almost no time to read complete sentences because literature has also fallen in a trap that unfortunately takes away the thinking which is the hallmark of humanity. Humanity is comprised of many different cultures. Each culture has their own set of rules for humanity. The uniqueness of literature is lost in the complexity of its  many interpretations. Humanities are about being human. The idea is to draw connections between all the various creative movements and influences that exist in a culture at any given moment, as well as how these movements and influences have influenced what has come later and what we are experiencing now. References Encyclopedia Britannica Online (2006). Humanities. Retrieved November 2, 2006 fromhttp://www.britannica.com/ebc/article-9367537Fiero, G. (2006). The Humanistic Tradition: The European Renaissance. The Reformationand Global Encounter. Boston, Massachusetts: McGraw-Hill. Robinson, J. (2003). What is Humanities? Retrieved on November 5, 2006 fromhttp://fp.uni.edu/robinsoj/Humanities/WHAT%20IS%20HUMANITIES.htmWikipedia the free encyclopedia (n.d.). Humanities. Retrieved November 1, 2006, fromhttp://en.wikipedia.org/wiki/Humanities

What is ATM? Essay -- ATM Asynchronous Transfer Mode Research Essays

What is ATM? Before the discussion of wireless ATM can begin, the concept of ATM in general needs to be discussed. ATM, or by its more formal name Asynchronous Transfer Mode, is a basic packet-based networking system designed for the simultaneous transmissions of voice, video, and data. In the mid 1980s, the major telecommunication companies decided that they needed a new network to handle the surge of video and data, along with voice, traffic being sent over their existing networks. From this, the concept of ATM was born. From an increasing need to handle data traffic, which is inherently packet-based, as well as voice traffic, ATM was designed to work as a packet-switched network. In a packet-switched network, all traffic is broken into small pieces, which are easier to transmit than one large chunk of data. The problem with using this type of network design for ATM is that the old telephone network is circuit-switched, or in other words creates a physical direct connection between the so urce and destination during the transmission. ATM, therefore, is designed so that it can handle circuit-switched traffic on its packet-switched backbone. To accomplish this, ATM creates virtual circuit connections over the packet-based network between the source and the destination. These virtual circuit connections provision a set number of network resources dedicated to the connection between a specific source and destination, making it appear to the old telephone network that a circuit connection is established. This allows an ATM network to guarantee the same or greater quality of service for voice traffic as the old telephone network does, while at the same time providing a much greater level of service for data and video tra... ... shifted to wireless IP-based systems. This shift is mostly due to IP’s built-in ability to handle transmission errors in the realm of wireless communications. Works Cited 1) Ayanoglu, E., K.Y. Eng, M.J. Karol, â€Å"Wireless ATM: Limits, Challenges, and Proposals†, http://citeseer.nj.nec.com/cache/papers2/cs/1647/http:zSzzSzwww.exit109.comzSz~enderzSzwatm.pdf/wireless-atm-limits-challenges.pdf, 1996. 2) Black, U. â€Å"ATM: Foundation for Broadband Networks†, Prentice Hall, 1995. 3) Peterson, L. and B. Davie. Computer Networks: A Systems Approach. 2nd edition, Morgan Kaufman, 2000. 4) Wasi, Atif S., â€Å"Wireless ATM†, ftp.netlab.ohio-stat,edu/pub/es/cis788-95/wireless_atm/index.htm, 1995. 5) â€Å"Wand Overview†, www.tik.ee.ethz.ch/~wand/SUMMARY/WAND_97.htm, 1996, 1997, 1998.

Financial Analysis

Budget a detailed plan, expressed in quantitative terms, that specifies how resources will be acquired and used during a specified period of time. A budget is a description of a financial plan. It Is a list of estimates of revenues to and expenditures by an agent for a stated period of time. Normally a budget describes a period In the future not the past Purposes of budgeting systems: Planning Facilitating Communication and Coordination Allocating Resources Controlling Profit and Operations Evaluating Performance and Providing Incentives Using a budgeting system companies can:Improve cash flow Optimize product portfolio Minimize salary adjournment Increase the operational level Eliminate breaks In Production process Stabilize debts level Precisely determine the real financing needs In Bangladesh our fiscal year is started from 1st of July and ended 30th June of the next year. Here we wants make a comprehensive analysis of the proposed budget for the upcoming fiscal year 2014-2015. Th e honorable finance Minister AMA Mitch proposed this budget dated on 05. 04. 2014 in Bangladesh national assembly members for the consideration and approval of the said budget.The annual budget t a glance Total size of the budget TX 250,506 core for 2014-15 fiscal year growth target of 7. 3% of GAP The proposed national budget and the economy (FYI), 2014-2015, provides an account of the government's overall fiscal operations in pursuit of its declared goals and objectives to help promote â€Å"accelerated† and â€Å"inclusive† economic growth. It makes a lot of promises about improving government's performance-related scorecard. But it does not shed enough light on why the promises of the outgoing fiscal could not be redeemed and what wrongs there were about meeting its projected broad targets.The political turbulence or violence that was witnessed in the first half of the outgoing fiscal can not be held solely responsible for it. This is more so when the official econ omic growth figure for the outgoing fiscal that Finance Minister AMA Mitch has, in his budget speech, mentioned tends to defy the predictions and projections that were made by different quarters during the period of political volatility and also subsequent to it, taking in view the possible adverse knock-on effects of the turbulence on the performance of the national economy in all its major sectors.If the official growth figure about the entry's gross domestic product (GAP) in the outgoing fiscal portrays the real state of the economy, then there are obvious reasons to discard largely the links between the polity and the economy in the Bangladesh context. How far this is realistic to assume so, despite some clearly demonstrated inherent shock-absorbing capacity of the Bangladesh economy and also the proven resilience of its main economic actors, remains otherwise questionable.Yet then, the figures and data that the Finance Minister has mentioned about the performance of the economy in fiscal 2013-14 do unmistakably bear out shortfalls in any areas of consequence. This is so, in terms of the targets that were set in the Sixth Five Year Plan (SPY) document. The forthcoming fiscal being the terminal year of this medium-term plan that was approved by the government during its immediate-past tenure, it does not require a pundit to state that its goals and objectives would remain largely unmet.This will certainly further compound Bangladesh problems to fulfill its cherished national hope about reaching the status of a middle income country by 2021. If its existing situation does not change for the utter by a quantum leap, it will be well-nigh impossible to meet the whole set of Millennium Development Goals (Meds), particularly in areas like nutrition, effective health coverage etc. , that are much needed for poverty alleviation. In his budgetary proposals for the forthcoming fiscal, the Finance Minister has projected an aggregate expenditure outlay of about Take 2. 0 trillion, reflecting a rise by 15. 7 per cent over the revised budget of Take 2. 16 trillion for the outgoing one. There is no strong reason to consider the proposed size of the next fiscals national edged over-bloated, in view of the fact that overall public (government) expenditures, covering both current and development ones, will still be around 18. 7 per cent of GAP. The share of the proposed current (revenue and non-development capital) expenditures at Take 1. 7 trillion will be 12. Per cent of GAP while that of public investment (ADAPT) at Take 803. 15 billion will be 6. 0 per cent of GAP in the forthcoming fiscal. Such budgetary expenditures in comparator countries. But two critical questions still arise here: Has the government the capacity to implement the proposed national edged, particularly that part of it which concerns the Annual Development Programmer (ADAPT)? What is about the quality of overall public expenditures, to assess their impact in terms of value-for-mo ney, to link inputs with outputs and to count costs against benefits?These questions are of consequence because it has rather become a routine practice in Bangladesh to downsize the ADAPT in the third or last quarter of every fiscal because of implementation shortfall, on one hand, and the poor quality of overall public expenditures in terms of targeting, coverage, leakage, existing conditions of public service delivery, the nagging problem of cost over-runs of development projects due to procrastination of their execution, on the other. This is the sixth national budget that Finance Minister M.A. Mitch has presented during two successive periods of the Miami League (AL)-led government. The main challenge for implementation of the proposed national budget for FYI 2014-15 will lie in areas of arranging financial resources for its funding, without crossing the limit of the fiscal deficit that has been projected at 5. 0 per cent of GAP. If the limit is crossed, it may destabilize the m acro-economic situation and also have some crowding-out effects on the economic activities in the private sector.The National Board of Revenue (N.B.) that collects the lion's part of government revenues, in the form of duties and taxes, has not been able to fulfill its target in the outgoing fiscal, notwithstanding the fact that it had earlier demonstrated its commendable successes in raising the level of such revenue receipts of the government. The new fiscal measures that the Finance Minister has proposed for the forthcoming fiscal ay provide some cushions to the N.B. for augmenting its revenue collections. But the possible impact of such measures on overall economic activities merits a detailed scrutiny.Meanwhile, the N.B. will need to put extra-ordinary emphasis on widening the tax net, winning the trust and confidence of both the existing and potential taxpayers. It needs a shot in its arm to help strengthen its capacity to do this and that, too, by ensuring transparency of act ions by its field-level officials. Overburdening the existing tax-payers with additional doses of direct taxes and creating additional robbers for economic actors in different sectors by way of any irrational tax structure, are certainly no rational policy choice for the government.Higher tax burden may otherwise lead to a greater degree of tax evasion or avoidance. Tax compliance depends, to a large extent, on the rate of tax and duty structure. So far the efforts for collection of domestic resources are concerned, there are strong reasons for the government to raise the levels of its revenue receipts from non-N.B. agencies or departments and enhance the volume of such earnings other than taxes, duties etc. , from different government agencies, autonomous and semi-autonomous bodies and all other relevant sources.The proposed budget for the forthcoming fiscal so. Meanwhile, the availability of the projected external assistance that will be required for footing the estimated budgetar y expenditure, particularly on the development (public investment) side, will be predicated upon efforts to help accelerate the pace of implementation of the aided projects. Here, the developments in the recent years do need to be further consolidated and strengthened to a large extent, if the current situation about a bulging aid pipeline is to be improved. This is another daunting challenge.If the government fails to collect or mobiles the financial resources, both domestic and external, at the level projected in the proposed budget, it will be forced to either cut back its development spending in the second half of fiscal 2014-2015 or to borrow more from both banking and non-banking sources than what has been projected. Neither of these two is welcome. If public investments in priority areas fall short of the target, the potential of the economy to move onto a higher growth trajectory will intention to remain unrealized.If the government's borrowings overshoot the projected level , it will entail most unwelcome consequences. The fiscal deficit will then exceed the projected level, causing macro-economic pressures: the private sector may face resource constraints; interest payments on account of domestic public debt may swell further without enhancing the capacity of the economy to foot the related bill etc. At this stage, it would be worthwhile to draw the attention of all concerned to the imperatives for facilitating the expansion of investment activities in the private sector.The real test of the proposed budget for fiscal 2014-15 lies in this particular area. A synergy of actions will be needed to make this happen. The national budget cannot certainly address all the issues that are badly impacting new private investments. But it has to facilitate the forging of such a synergy. If private investments do not rise, the prospects of the economy to generate new Jobs, create more income-earning opportunities and pave the way for its accelerated growth rate, al ong the desired lines, will continue to delude all concerned. Financial Analysis Budget a detailed plan, expressed in quantitative terms, that specifies how resources will be acquired and used during a specified period of time. A budget is a description of a financial plan. It Is a list of estimates of revenues to and expenditures by an agent for a stated period of time. Normally a budget describes a period In the future not the past Purposes of budgeting systems: Planning Facilitating Communication and Coordination Allocating Resources Controlling Profit and Operations Evaluating Performance and Providing Incentives Using a budgeting system companies can:Improve cash flow Optimize product portfolio Minimize salary adjournment Increase the operational level Eliminate breaks In Production process Stabilize debts level Precisely determine the real financing needs In Bangladesh our fiscal year is started from 1st of July and ended 30th June of the next year. Here we wants make a comprehensive analysis of the proposed budget for the upcoming fiscal year 2014-2015. Th e honorable finance Minister AMA Mitch proposed this budget dated on 05. 04. 2014 in Bangladesh national assembly members for the consideration and approval of the said budget.The annual budget t a glance Total size of the budget TX 250,506 core for 2014-15 fiscal year growth target of 7. 3% of GAP The proposed national budget and the economy (FYI), 2014-2015, provides an account of the government's overall fiscal operations in pursuit of its declared goals and objectives to help promote â€Å"accelerated† and â€Å"inclusive† economic growth. It makes a lot of promises about improving government's performance-related scorecard. But it does not shed enough light on why the promises of the outgoing fiscal could not be redeemed and what wrongs there were about meeting its projected broad targets.The political turbulence or violence that was witnessed in the first half of the outgoing fiscal can not be held solely responsible for it. This is more so when the official econ omic growth figure for the outgoing fiscal that Finance Minister AMA Mitch has, in his budget speech, mentioned tends to defy the predictions and projections that were made by different quarters during the period of political volatility and also subsequent to it, taking in view the possible adverse knock-on effects of the turbulence on the performance of the national economy in all its major sectors.If the official growth figure about the entry's gross domestic product (GAP) in the outgoing fiscal portrays the real state of the economy, then there are obvious reasons to discard largely the links between the polity and the economy in the Bangladesh context. How far this is realistic to assume so, despite some clearly demonstrated inherent shock-absorbing capacity of the Bangladesh economy and also the proven resilience of its main economic actors, remains otherwise questionable.Yet then, the figures and data that the Finance Minister has mentioned about the performance of the economy in fiscal 2013-14 do unmistakably bear out shortfalls in any areas of consequence. This is so, in terms of the targets that were set in the Sixth Five Year Plan (SPY) document. The forthcoming fiscal being the terminal year of this medium-term plan that was approved by the government during its immediate-past tenure, it does not require a pundit to state that its goals and objectives would remain largely unmet.This will certainly further compound Bangladesh problems to fulfill its cherished national hope about reaching the status of a middle income country by 2021. If its existing situation does not change for the utter by a quantum leap, it will be well-nigh impossible to meet the whole set of Millennium Development Goals (Meds), particularly in areas like nutrition, effective health coverage etc. , that are much needed for poverty alleviation. In his budgetary proposals for the forthcoming fiscal, the Finance Minister has projected an aggregate expenditure outlay of about Take 2. 0 trillion, reflecting a rise by 15. 7 per cent over the revised budget of Take 2. 16 trillion for the outgoing one. There is no strong reason to consider the proposed size of the next fiscals national edged over-bloated, in view of the fact that overall public (government) expenditures, covering both current and development ones, will still be around 18. 7 per cent of GAP. The share of the proposed current (revenue and non-development capital) expenditures at Take 1. 7 trillion will be 12. Per cent of GAP while that of public investment (ADAPT) at Take 803. 15 billion will be 6. 0 per cent of GAP in the forthcoming fiscal. Such budgetary expenditures in comparator countries. But two critical questions still arise here: Has the government the capacity to implement the proposed national edged, particularly that part of it which concerns the Annual Development Programmer (ADAPT)? What is about the quality of overall public expenditures, to assess their impact in terms of value-for-mo ney, to link inputs with outputs and to count costs against benefits?These questions are of consequence because it has rather become a routine practice in Bangladesh to downsize the ADAPT in the third or last quarter of every fiscal because of implementation shortfall, on one hand, and the poor quality of overall public expenditures in terms of targeting, coverage, leakage, existing conditions of public service delivery, the nagging problem of cost over-runs of development projects due to procrastination of their execution, on the other. This is the sixth national budget that Finance Minister M.A. Mitch has presented during two successive periods of the Miami League (AL)-led government. The main challenge for implementation of the proposed national budget for FYI 2014-15 will lie in areas of arranging financial resources for its funding, without crossing the limit of the fiscal deficit that has been projected at 5. 0 per cent of GAP. If the limit is crossed, it may destabilize the m acro-economic situation and also have some crowding-out effects on the economic activities in the private sector.The National Board of Revenue (N.B.) that collects the lion's part of government revenues, in the form of duties and taxes, has not been able to fulfill its target in the outgoing fiscal, notwithstanding the fact that it had earlier demonstrated its commendable successes in raising the level of such revenue receipts of the government. The new fiscal measures that the Finance Minister has proposed for the forthcoming fiscal ay provide some cushions to the N.B. for augmenting its revenue collections. But the possible impact of such measures on overall economic activities merits a detailed scrutiny.Meanwhile, the N.B. will need to put extra-ordinary emphasis on widening the tax net, winning the trust and confidence of both the existing and potential taxpayers. It needs a shot in its arm to help strengthen its capacity to do this and that, too, by ensuring transparency of act ions by its field-level officials. Overburdening the existing tax-payers with additional doses of direct taxes and creating additional robbers for economic actors in different sectors by way of any irrational tax structure, are certainly no rational policy choice for the government.Higher tax burden may otherwise lead to a greater degree of tax evasion or avoidance. Tax compliance depends, to a large extent, on the rate of tax and duty structure. So far the efforts for collection of domestic resources are concerned, there are strong reasons for the government to raise the levels of its revenue receipts from non-N.B. agencies or departments and enhance the volume of such earnings other than taxes, duties etc. , from different government agencies, autonomous and semi-autonomous bodies and all other relevant sources.The proposed budget for the forthcoming fiscal so. Meanwhile, the availability of the projected external assistance that will be required for footing the estimated budgetar y expenditure, particularly on the development (public investment) side, will be predicated upon efforts to help accelerate the pace of implementation of the aided projects. Here, the developments in the recent years do need to be further consolidated and strengthened to a large extent, if the current situation about a bulging aid pipeline is to be improved. This is another daunting challenge.If the government fails to collect or mobiles the financial resources, both domestic and external, at the level projected in the proposed budget, it will be forced to either cut back its development spending in the second half of fiscal 2014-2015 or to borrow more from both banking and non-banking sources than what has been projected. Neither of these two is welcome. If public investments in priority areas fall short of the target, the potential of the economy to move onto a higher growth trajectory will intention to remain unrealized.If the government's borrowings overshoot the projected level , it will entail most unwelcome consequences. The fiscal deficit will then exceed the projected level, causing macro-economic pressures: the private sector may face resource constraints; interest payments on account of domestic public debt may swell further without enhancing the capacity of the economy to foot the related bill etc. At this stage, it would be worthwhile to draw the attention of all concerned to the imperatives for facilitating the expansion of investment activities in the private sector.The real test of the proposed budget for fiscal 2014-15 lies in this particular area. A synergy of actions will be needed to make this happen. The national budget cannot certainly address all the issues that are badly impacting new private investments. But it has to facilitate the forging of such a synergy. If private investments do not rise, the prospects of the economy to generate new Jobs, create more income-earning opportunities and pave the way for its accelerated growth rate, al ong the desired lines, will continue to delude all concerned.

Different Departmentalization in Malaysia Essay

Introduction The search for competitive advantage, write management consultants and educators David Nadler and Michael Tushman, is â€Å"the defining goal of modern-day business. † Competing by Design: The Power of Organizational Architecture, is their guide to reaching that goal through total integration of corporate structure, workplace culture, and employee motivation. Bringing all such processes together into one unified organization, they contend, is as important to a company’s future as the architectural unity of the building that houses it. Organizational Design is gaining more importance in human resource management as organizations are rethinking their role in the marketplace, their position vis a vis competitors, and their long term strategy. A key strategy in aligning the workforce with business goals, Organizational Design seeks to maximize workforce effectiveness while minimizing or maintaining costs. Five basic organizational structures are used in Organizational Design and adapted to an organization’s needs Basic Organizational Designs Have Six Structure Elements. . Specialization-a process in which different individuals and units perform different task. 2. Chain Of Command-is the unbroken line of authority that extend from the top of the organizations to the lowest echelon and clarifies who reports whom.

10 Tips for Passing a Chemistry Exam

10 Tips for Passing a Chemistry Exam Passing a chemistry exam can seem like an overwhelming task, but you can do this! Here are the top 10 tips for passing a chemistry exam. Take them to heart and pass that test! Prepare Before the Test Study. Get a good nights sleep. Eat breakfast. If youre someone who drinks caffeinated drinks, today is not the day to skip it. Similarly, if you never drink caffeine, today is not the day to start. Get to the exam early enough that you have time to get organized and relax. Write Down What You Know Dont risk drawing a blank when confronted with a calculation! If you memorized constants or equations, write them down even before you look at the test. Read the Instructions Read the instructions for the test! Find out whether points will be deducted for wrong answers and whether you have to answer all of the questions. Sometimes chemistry tests allow you to choose which questions to answer. For example, you may need to only work 5/10 problems. If you dont read the test instructions, you might do more work than you need to and waste valuable time. Preview the Test Scan the test to see which questions are worth the most points. Prioritize the high-point questions, to make sure you get them done. Decide How to Use Your Time You may be tempted to rush on in, but take a minute to relax, compose yourself, and figure out where you need to be when your allotted time is halfway over. Decide which questions youre going to answer first and how much time youll give yourself to go back over your work. Read Each Question Completely You may think you know where a question is going, but its better to be safe than sorry. Also, chemistry questions often have multiple parts. Sometimes you can get hints on how to work a problem by seeing where the question is going. Sometimes you can even find the answer to the first part of a question this way. Answer Questions You Know There are two reasons for this. First, it builds confidence, which helps you relax and improves your performance on the remainder of the test. Second, it gets you some quick points, so if you run out of time on the test then at least you got some right answers. It may seem logical to work a test from the beginning to the end. If you are confident that you have time and know all the answers, this is a good way to avoid accidentally missing questions, but most students do better if they skip over harder questions and then go back to them. Show Your Work Write down what you know, even if you dont know how to work the problem. This can serve as a visual aid to jar your memory or it can earn you partial credit. If you end up getting the question wrong or leaving it incomplete, it helps your instructor understand your thought process so you can still learn the material. Also, make sure you show your work neatly. If you are working out an entire problem, circle or underline the answer so your instructor can find it. Dont Leave Blanks Its rare for tests to penalize you for wrong answers. Even if they do, if you can eliminate even one possibility, its worth it to take a guess. If you arent penalized for guessing, there is no reason not to answer a question. If you dont know an answer to a multiple choice question, try to eliminate possibilities and make a guess. If its a true guess, choose B or C. If its a problem and you dont know the answer, write down everything you know and hope for partial credit. Check Your Work Make sure you answered every question. Chemistry questions often provide means of checking your answers to make sure they make sense. If you are undecided between two answers to a question, go with your first instinct.

Admission Essay Help

Admission Essay Help Admission Essay Help University admission or college admission is the process through which students enter the universities and colleges. Systems vary widely from country to country as well as from institution to institution.Admission essay writing includes one or more essays in addition to such objective information as grades and test scores. The typical question asks you to write about your personality, life experienced, and expectations on future. It allows the admission committee to get to know you better, to know your plans and goals, to read about an important event in your life, discover your philosophy. Writing the college admission essay is an opportunity for you to stand out among the applicants and to prove that you and only you are the most deserving candidate. Admission Essay Writing If you want to succeed with admission essay writing, you need to learn about college admission essay questionsfrom previous years:. Usually, such information can be found on the official websites of colleges and universities. It gives you an idea what the college admission essay questions look like. May be someone from your friends applied to your college and might still have copies of their essay. But do not copy it! As a rule, college essay questions are controversial. Your task is not only to accept a definite position but to explain in detail why you choose that one. Very often the students are asked to describe and evaluate one experience that significantly influenced their academic interests or life in general. This experience might be a high school course, a job, a relationship, or an extracurricular activity. Try to explain how this experience led to the goals you now have set for yourself and why you think the academic program you apply for will help you reach those goals. Admission Essay Help Following these guidelines and tips you will learn how to write admission essay. You should understand that a well written essay is very important because it determines whether or not you are admitted to the chosen college or university. This is your opportunity to show what sets you apart from the other applicants. Your responses to admission essay questions help officers understand your motivations, creativity, and personality. That's why it is important to start writing your essays as early as possible. Make your essays personal, but stay within the guidelines and carefully answer the questions. Follow the directions. If the application asks you to answer three questions using no more than 1,500 words, do not write 1,800. Ignoring directions may mean not getting into the college of your choice. Make sure you answer the questions or follow the essay prompts. Remember that committee members are seeking the applicant who worthy of their award. Custom Admission Essay Writing Help Want to have an impressive admission essay and do not know how to start writing? You are welcome to place an order at and we will write an outstanding college essay for you! We guarantee timely delivery and professionalism of our writers! We do not resell admission essays and your interests are put on the primary place! Interesting posts: Thesis Papers in Education Thesis Methodology Hamlet Thesis Dissertation Service Creative Writing Thesis

Project management Essay Example | Topics and Well Written Essays - 2500 words - 5

Project management - Essay Example In order for the project therefore to succeed, there is need for the project firm to recruit the most appropriate workers for every obligation undertaken in the said project. In addition to this, the already recruited workers need to be provided with the necessary skills pertaining each and every operation they will need to undertake. Workers motivation is another major factor to the success of the workers activities. It is a necessary requirement for the organization’s growth irrespective the nature of the project undertaken. The worker’s needs are changing every day and with the traditional techniques of motivation the project might not be successful as required as these would not be sufficient in proving the necessary motivation. Machine, Man, money and materials happen to be the four necessary resource requirements for such projects. Among these, the Manpower is the most essential since it controls the other three resources. The manpower also needs to be utilized in the most appropriate manner. Man would never be in a position to operate like machine since they have physical as well as mental needs. Man works well on creation of good working environment and provision of the necessary skills pertaining the job they are operating. If cases where the organization fails to meet the needs of the workers, including the necessary training there would be less productive results. Haughey (2010) holds that planning any project is crucial to the project success. The project plan would be the first essential thing that the recruitment manager would need to have while starting to undertake the project. Planning the project in time would help in reducing time, financial resources and other operational challenges. Devastation feelings, lack of confidence, low level of skills as well as dark future perspective and financial insecurity are some of he factors

Key Responsibilities Presentation Essay Example | Topics and Well Written Essays - 750 words

Key Responsibilities Presentation - Essay Example Rationale: The smooth implementation of tasks and responsibilities of security personnel need an efficient system of interaction between officers of the organization, the safety and security investigators and the rest of the personnel in terms of addressing issues concerning security, safety, emergency plans, as well as business continuity measures. The role of the security personnel is very critical in ensuring that there exists a workable system to ward off danger and to prevent any harm in the organization. These encompass the following specific responsibilities such as: (1) Maintains a registry of research projects and/or proposals involving security and safety of the organization; (2) Reports incidents of problems of safety or non-compliance; (3) Prepares reports regarding significant deficiencies, noncompliance, or other emergency issues to be forwarded to management for proper and immediate action; and (4) Reports any repairs immediately necessary for facilities used for security and safety of the organization such as: CCTV cameras, checking alarm systems, among others. Rationale: Actually, in addition to these reports, as discussed during the modules on disaster response, incident command system and business continuity plan, the security personnel have obligations to comply with reportorial documents needed to ensure safety and security of personnel such as incident reports on accidents, falls, disasters, emergencies, and the like. Rationale: The security personnel should maintain the file of important contact numbers such as the National Response Center, the State Emergency Response Commissions, Local Emergency Planning Committees, Fire departments, Police deparments, among others. In the module discussing response scenarios and disaster response and business continuity measures, the critical role of the security personnel in reaching the proper authorities could not be