Lord of the Flies was created by William Golding, an...

Lord of the Flies was created by William Golding, an English novelist that studied at Oxford where the experience allowed for his writing to grow and develop. The main purpose of the novel was to portray the struggle of a group of boys in the era of war. It is aligned off of personal experiences the author had in World War II, the severity and insanity allowed him to have a corrupted view on the world and everything inside of it (â€Å"William Golding,† N.P.). Much like Oxford, being apart of the Royal Navy influenced his book greatly, he used his personal experiences here to shape the basis of the novel. This experience allowed for him to see how man and nature were corrupt (â€Å"Lord of the Flies,† 1). He also found that man has evilness†¦show more content†¦Although in the normal standards there is no conch, there is still an assembly that brings people together (1). They are using this tool to build a civilized manner in a place where the main purpose is to be wild and savage. The conch stands for democracy. Having the conch allows anyone holding it to speak their mind as opposed to one person completely controlling the others. This causes a huge riff between the boys who want to be civil and the others who want to be free. Later in the story when the conch breaks it is a symbol of the destruction of society. The conch shatters from the savagery while destroying the civility. Meaning that the savage boys kill one of the others who is attempting to keep this norm. The new life is a symbol of independence from society, the boys believe now that they are without adults and police that they are free from all civil duties. The adults and police set a structure, now that those are gone so is the necessity to abide by rules. William Golding shows this through one of the characters named Roger, in this spot he is fighting the inner battle to hurt or not. â€Å"Roger gathered a handful of stones and began to throw them. Yet there wa s a space around Henry, perhaps six yards in diameter, into which he dare not rhow. Here, invisible yet strong was the taboo of the old life. Round the sautà ©ing child was the protection of parents and school and policemen and the law.† (Golding, 161). Accordingly,

Leonardo Da Vinci was a True Renaissance Man - 699 Words

Leonardo Da Vinci was a true Renaissance man. He was an inventor, a scientist, a mathematician and a painter. He had the mind and visions of a thinker centuries ahead of his time. Hundreds of years later, he is still one of the most recognized and iconic people in the world, known for his Paintings like the Mona Lisa and changed the way paintings and art were created. But one success Da Vinci had that is not as well known as his iconic art such as the Last Supper are his inventions. Leonardo Da Vincis genius achievements in his creations sketches, and ideas of inventions were able to impact generations of people in the future significantly, but his inventions did not impact much of world history. Leonardo Da Vincis life began as an average but poor child in the midst of the Italian Renaissance. A period where the main focus wasnt on religion and was more focused on secular themes and creativity. He was born in 1452 in Vinci Italy and was raised on an estate belonging to his father, while his uncle also helped raise him. Da Vinci never received a full education like others, but his artistic abilities were noted by his father who eventually apprenticed him to a well known sculptor Andrea del Verrocchio, of Florence (History ). When apprenticed, â€Å"His skills as an artist developed, flourished and even intimidated his mentor †(Da Vincis Inventions). Although he was gifted at his artistic abilities, Da Vinci was looking to expand on his abilities and add more skills. HeShow MoreRelatedLeonardo Da Vinci : The Renaissance951 Words   |  4 PagesThe Renaissance was a rebirth of creativity, freedom, individuality, independence and self- determination. During this time period where humanism was encouraged, there were countless Renaissance men. One astounding and well recognized man was Leonardo da Vinci, he had many aptitudes and talents that portrayed him to be an astonishing artist of the Renaissance time period. Leonardo da Vinci, Influenced many dur ing the Renaissance, due to his great art, anatomy, science literature. As demonstratedRead MoreAnalysis of Da Vincis Work as Being Reflective and Definitive of the Renaissance Period948 Words   |  4 PagesLeonardo Da Vinci and the Renaissance Period Objective The objective of this work examines the how Leonardo Da Vincis work is reflective and definitive of the Renaissance period and as well, describes some of Da Vincis art. This work will discuss the use of line, form, color, texture, and materials as found within one of his works and will state reasons this time period was chosen to examine in this work and why it is found to be appealing. Introduction Leonardo Da Vince was born April 15,Read MoreLeonardo Da Vinci And His Contributions To Western Civilization1200 Words   |  5 PagesAnalysis of Leonardo da Vinci and His Contributions to Western Civilization Leonardo da Vinci is one of the most famous artists to have ever lived, and his contributions to the development of western civilization are irrefutable. Born on April 15, 1452, near Florence, Italy, one would not have guessed that he was destined for a life of greatness. He was the illegitimate child of an up-and-coming notary and a peasant girl, and he spent most of his childhood with his doting father (â€Å"Da Vinci - The RenaissanceRead MoreLeonardo Da Vinci : The Most Famous For His Art1448 Words   |  6 Pages3/29/16 Leonardo Da Vinci When hearing the name Leonardo da Vinci, what comes to mind? For many people it will be his artwork. This is because of all of the accomplishments da Vinci has, he is most famous for his art. What many people don’t know was that he was also a scientist, inventor, and philosopher. Da Vinci lived in a time period known as the Renaissance. This was a time of knowledge and enlightenment, and it gave birth to many of the world’s most talented and educated people. Leonardo da VinciRead MoreThe Importance Of Humanism And Leonardo Da Vinci1114 Words   |  5 PagesAll of Leonardo da Vinci’s work took part in the effort to express humanism throughout the world and affected the world more than people realize. Humanism was an ideal during the Italian Renaissance. â€Å"Humanism is a progressive lifestance that, without supernaturalism, affirms our ability and responsibility to lead meaningful, ethical lives capable of adding to the greater good of humanity.† (ameri canhumanist.org). Humanism was the ideal of the Renaissance and Leonardo da Vinci did his best to embodyRead MoreThe Renaissance Er Leonardo Da Vinci1019 Words   |  5 PagesThe Renaissance was a revolutionary period in European history from the 14th to the 17th century. Its movement began in Italy, but spread throughout Europe. The Renaissance brought many new things to Europe like classical texts, scientific discoveries and new technology, novels, and creative new styles of art. One of the most famous figures of the Renaissance era is Leonardo Da Vinci. His work displayed the humanist ideas that defined the Renaissance era. He was a botanist, writer, geologist, cartographerRead MoreStudying Renaissance through Its Art Essay1269 Words   |  6 Pagesthat most expresses is the Renaissance. The Renaissance is known for the paintings, sculptures and most decorative art from the European period history. It was known as the â€Å"rebirth† and mostly is the period in the European civilization mostly following the middle ages. The Renaissance was the period that had discovery and explorations of the new continents that substituted the Copernican for the Ptolemaic system of the astronomy (The Beginning Progress of the Renaissance R. A. Guisepi). The feudalRead MoreEssay about Life and Work of Leonardo da Vinci1111 Words   |  5 PagesWork of Leonardo da Vinci Leonardo da Vinci had a powerful mind and was a very curious and daring boy. Leonardo was so curious about flying, he jumped off a barn with wings that he made by himself. Leonardo loved nature and exploring. He would also like to draw geometrical shapes. Leonardo da Vinci was born in 1452 in Vinci, Italy. Vinci was a farming community with hillsides, growing grapes, fruit trees and olives. His mother was a peasant woman and his father was a notary. He was oftenRead MoreLeonardo Da Vinci : The Italian Renaissance Polymath1114 Words   |  5 PagesI read Leonardo da Vinci., by John Thomas. Leonardo Da Vinci (1452-1517) was an Italian Renaissance Polymath: artist, painter, sculptor, architect, musician, athlete, ideologist, writer, mathematician, engineer, inventor, anatomist, biologist, geologist, cartographer, botanist, poet, chemist, scientist, and philosopher. Leonardo had some close friends in his life, one of those people was Francesco Melzi (1491-1570). Melzi was Leonardo da Vinci’s pupil until Leonardo’s death. Melzi was born in MilanRead MoreEssay on The Renaissance: Visual Analysis1515 Words   |  7 PagesHigh Renaissance Visual Analysis Introduction Generally believed to have begun in Florence, the Renaissance – also known as the ‘Rebirth’ – was a period of reviving interest in classical art and the beginning of scientific revolution. The Renaissance period did not begin abruptly; instead, it was an idea that took shape since the time of the painter Giotto (Gombrich 2007). In the early Renaissance period, Giotto experimented with and laid the foundation for painting with perspective, a method

Cultural Intelligence

Question: Discuss about the Cultural Intelligence. Answer: Introduction The journal explores various cross cultural parameters that impact expatriates of companies for the scope of globalization(Crossland, 2011). The journal evaluates various related concepts and the need for various cross-cultural transition understanding. Thus, at the end of the journal a relationship between cultural intelligence (CQ), cross-cultural adjustment (CCA) and job position is established through a methodological approach. Research Model The journal in order to establish relationship amongst various parameters in the cultural context has made use of statistical and structural equation modeling procedure(Zhang, 2016). Data has been collected by various processes that establishes cultural gap between Australia and China. The journal entry analysis will help better understanding of the study. Where are we now Hofstede way back in 2001 conducted a study pertaining cross cultural analysis. His study provided valuable contribution in understanding cultural difference amongst countries on basis of their characteristics(Chen, 2010). This particular journal also initiates the study by understanding the challenges and difficulties faced by expatriates while they are exposed to cross-cultural situations and the impact of such on their performance. The journal studies and establishes unique relationship amongst variables that had not been conducted earlier. The scope of this study offers methodical approach to linking the cultural parameters to that of performance of an expatriate. Where are we going The aim of the study is to explore multitude research question to arrive at the key factors or impacts from cross-culture(Tay, 2008). The study aims to establish a relation between cultural intelligence (CQ) and cross-cultural adjustment (CCA). The research that will be attended through this study pertains to analyzing cultural asymmetry and relationship in between CQ and CCA. Another relevant area that will be analyzed through the scope of this study is to establish relationship between CQ and CCA relationships. This type of study had not been conducted previously and is relatively unique in nature. How do we get there In order to arrive at the findings of the study data has been collected and statistical analysis for such data has been done(Ang, 2008). Structural equation modeling techniques are also undertaken for analysis of the collected data and to arrive at suitable research findings. Data for the purpose of this research has been collected by a number of ways as sampling method, quantitative and qualitative surveys by means of emails, focused group interviews, surveys and so on. How do we know when we have finished The research aim was found to be accomplished upon establishing of a correlation coefficient amongst the variable assumed in the study. There were validated and reliable results for the study found that were checked by Fornell and Larcker (1981). Further results obtained from the model first order were rechecked for second orders validity. By attending to answer the research questions and forming findings for the study the goal of the research will be attended. Challenges in the activity The study pertaining to incorporating cultural difference amongst countries and their analysis reflects multiple variables as depicted in Hofstede cultural differences. Hence, some of the major challenges faced during conducting the study was in regards to deciding and finalizing the parameters for the study(Selmer, 2007). The primary research objective for the study was to ascertain the asymmetry that exists in the CQ and CCA relationship. Further, such cultural asymmetry aims to analyse the relationship and role position with its respect to the CCA. The journal was extremely lengthy hence was difficult to comprehend. The length of the journal was extremely time consuming and identified data was difficult to figure. Such data identified was difficult to obtain and form fundamental concepts related to the same. The scope of this study has been conducted on a limited sample size hence it was fairly easier to conduct the analysis. When the sample size is increased there can be larger proportion of variation that can occur and greater amounts of asymmetry. The study has extended the scope of theoretical definitions and descriptions to extend it for the use of practical use. Cultural distance asymmetry depending on cultural flow and position of expatriates was challenging to ascertain. The study has limited the scope of its analysis to Australia and China, though there is a vast cultural difference that persists yet there are a host of other countries which face challenges asymmetrically. The findings from the study hence suffer from biasness to fit in empirically. Power distance a crucial aspect for measuring cross-cultural differences will vary when other countries are taken into account. Another major challenge faced in the development of this article is in regards to deciding on the expatriate sector to analyse the cultural difference parameters. The study aims to establish a relationship amongst cultural flow and job position as well which is established by means of data analysis. While incorporating in cultural differences, broad range of factors have been ignored in the study that might have an impact. An expatriate needs to focus on and develop understanding related to cross-cultural differences which forms an important factor for job, in this study socio-cultural context of psychological feeling has been only taken into account. While expatriates tend to add a lot of knowledge and experience to be open to the host country there are two distinct type of cultural intelligence that might be present as socio and psycho differences. Thus, one of the challenges of the study was to ascertain the parameter on which to conduct the study, which has significant relationsh ip and intercultural competence. References Ang, S. V. (2008). Cultural intelligence. The Cambridge. Chen, G. K. (2010). When does cross-cultural motivation enhance expatriate effectiveness? A multilevel investigation of the moderating roles of subsidiary support and cultural distance. Academy of Management Journal, 1110-1130. Crossland, C. . (2011). Differences in managerial discretion across countries: how nation?level institutions affect the degree to which CEOs matter. . Strategic Management Journal, 797-819. Selmer, J. (2007). Which is easier, adjusting to a similar or to a dissimilar culture? American business expatriates in Canada and Germany. . International Journal of Cross Cultural Management, 185-201. Tay, C. W. (2008). Antecedents and consequences of cultural intelligence among short-term business travelers. Handbook of cultural intelligence: Theory, measurement, and applications, 126-144. Zhang, Y. . (2016). Exploring the potential effects of expatriate adjustment direction. Cross Cultural Strategic Management, 158-183.

Fruits to make a fruit battery Essay Example

Fruits to make a fruit battery Paper Magnesium, due to its reactivity, has a very high potential energy, so the electrons travel from it to the copper, which has a very low potential energy due to its unreactivity. The difference in the potential is called the cell potential difference. If the difference of potential energy is large, then clearly the voltage produced by the galvanic cell will also be large as voltage is potential difference. From the electrochemical series, magnesium has a standard electrode potential of -2. 37, and copper has one of +0. 34. The difference between the potentials is 2. 71, which is large, and therefore this will mean more electrons will be conducted creating a larger current, and also the difference between the potentials will also mean a higher voltage. If the anode was zinc (-0. 76) then the difference would be 1. 1 not as large a difference as the magnesium due to it being less reactive. Other examples could be zinc and magnesium, a difference of 1. 61, lead (-0. 13) and iron (0. 04), a difference of 17 and so on. This is how galvanic cells operate, storing chemical energy that is released as electrical energy when a conductor is connected between the two electrodes. This scientific theory supports my initial prediction that the magnesium and copper will produce the highest voltage due to their potential energy difference. Evaluation: I think that the experiment went quite well. It is hard to spot anomalous results on a bar graph, but I think my results are pretty accurate, and fit my prediction. However I feel accuracy was limited and could have been improved if a set of 3 results was taken, because I only took 2, it is possible that one result could have been wrong and changed the average, while accuracy is increased with three results. We will write a custom essay sample on Fruits to make a fruit battery specifically for you for only $16.38 $13.9/page Order now We will write a custom essay sample on Fruits to make a fruit battery specifically for you FOR ONLY $16.38 $13.9/page Hire Writer We will write a custom essay sample on Fruits to make a fruit battery specifically for you FOR ONLY $16.38 $13.9/page Hire Writer There was not enough time to do this though. I think that the results gained using zinc and magnesium were more unreliable than the others, because there were big differences between the two results that were taken. For example, using lead and zinc the first time (in the grapefruit) a voltage of 0. 17 was produced, while the second reading was 0. 49V. This could be because we didnt change the metal strips after every fruit, meaning they had been reacting with both the air and the electrolyte/fruit. Accuracy could also have been lacked due to the difficulty in cutting out equal sized strips. We had to use a steel nail of similar surface area because iron foil was unavailable. Fruits are also very unpredictable and vary. I think that we should have perhaps focused on one fruit, like the lemon, and used three different lemons to increase accuracy. This would perhaps be a more useful approach. I believe further investigations are needed to help fulfill the aim of the experiment. I think that acids and alkaline solutions should be used instead of fruits due to their unreliability. This will make the experiment quicker too. The outcome would be more predictable. The distance between the two metals in the fruit could be varied in further work to again test the voltages produced using different combinations of magnesium, iron, zinc, lead and copper. You could start them with a centimetre difference between them, and then increase this by a cm until it reaches 5 cm. A variety of fruits could again be used as a variable in this method. Other variables to be tested are the surface area of the metals and how that would affect the voltage produced, as it clearly seemed to affect my results.

Natural Disaster Hazard Assessment Essays

Natural Disaster Hazard Assessment Essays Natural Disaster Hazard Assessment Essay Natural Disaster Hazard Assessment Essay Hazard Assessment for Memphis, Tennessee Environmental Geology Hazard Assessment for Memphis, Tennessee A natural disaster is defined as any event or force of nature that has catastrophic consequences (â€Å"natural disaster†). The only reason that these events are considered to have catastrophic consequences is because people are negatively affected by these natural events. If people were not present during these events, they would not be considered catastrophic. The more people affected means the event would be considered more catastrophic. Tennessee is the 17th most populated state, with approximately 6. million residents (Infoplease. com). Within the state, Shelby county covers the most area, (755 square miles), and is also the most populated county, with approximately 927,644 people residing there (Infoplease. com). Shelby county includes the city of Memphis. Memphis is the most populated city within Tennessee with at least 645,000 residents (Infop lease. com). I have attached several maps in order to see different parts of the land. Map I shows where the county lines are located within Tennessee. You can also see where Memphis is located within the county. Map II shows the elevation levels of the state. As you can see in that map, Memphis is located within the lowest elevation levels of the state. Map III shows the rivers that run throughout the state. The main river that runs between the Tennessee, Arkansas, and Missouri borders is the Mississippi River. There are several natural disasters that I would consider to be threats to the Memphis area. One natural disaster that I would consider to be a concern to Memphis would be an earthquake. According to the United States Geological Survey, (USGS), there is an approximately six percent chance that there will be a major earthquake within 50 kilometers of Memphis in the next 50 years (Homefacts. com). The last earthquakes that had magnitudes of five were in 1976 and 1991 (Homefacts. com). The earthquake recorded in 1976 was approximately 40 miles away from Memphis. Looking at the sources found, I see that Tennessee has had its fair share of earthquakes, so I would say that another earthquake occurring in the area should be a concern of the citizens and government officials. â€Å"There is a broad agreement in the scientific community that a continuing concern exists for a major destructive earthquake in the New Madrid seismic zone. Many structures in Memphis, Tenn. and other communities in the central Mississippi River Valley region are vulnerable and at risk for severe ground shaking. † (USGS. gov). The New Madrid Earthquake of 1812 was one of the most significant events in U. S. history. Topographic changes were noted over an area of 75,000 to 130,000 square kilometers, with the total area shaken being at least five million s quare kilometers (USGS. gov). Back then, the damage was minimal because of sparse population. Nowadays, an earthquake that severe could result in â€Å"great loss of life and property damage in the billions of dollars† (Cusec. rg). The fact that Memphis is the most populated city in the state, a small earthquake could cause a significant amount of damage. â€Å"By learning about the potential earthquake hazards in your area and by taking certain preparedness measures now, you can increase your chances of surviving an earthquake and minimize its dangerous and damaging impacts† (Cusec. org). There are many organizations that Memphis has in order to help citizens learn how to prepare for these catastrophic events, and what to do in order to survive. One organization is the Radio Amateur Civil Emergency Service (R. A. C. E. S. ), which is a volunteer communications group that assists the Shelby county area. R. A. C. E. S. provides emergency personnel that can help with communications during local, regional, or national emergency/disaster events (Cityofmemphis. org). Another organization that provides help during emergency situations is the Memphis/Shelby County Emergency Management Agency (EMA). The EMA helps local, state, and federal agencies with response to disasters that requires a multi-agency/multi-jurisdictional response. The EMA has satellite links with the National Weather Service that activates sirens in order to warn the residents of multiple cities, including Memphis (Cityofmemphis. org). There are also things that the citizens and homeowners could do in order to minimize the damage during earthquake. Earthquake drills are a great way to help enforce the importance of preparedness, and to prevent panic and injury during an earthquake. Families should have emergency plans that lay out where everyone is going to be and where to reunite with one another. Keep a flashlight and a batterypowered radio in the home. Place large or heavy objects on lower shelves, and fasten the shelves to walls. And lastly, have a seven to ten day supply of food and water (Cusec. org). You can never be too prepared for any natural disaster, so being safe is better than being sorry. Not all natural disasters are threats to Memphis. Volcanoes are an example of a natural disaster that is not a threat to the Memphis area. There are no known volcanoes in the area that would cause any kind of harm to the residents of Memphis. Historically, there have not been any known volcanoes in the area either. Memphis is not located on any fault boundaries, so I would think that there would no volcanoes forming in the area any time in the near future. Hurricanes are a little more of a concern for Memphis. The western area of the state has the possibility of being affected by the end of certain storms. Hurricane Katrina is an example of this situation in which Memphis can be affected by storms not necessarily in the direct area. When Hurricane Katrina hit the U. S. in 2005, multiple counties in Tennessee were evacuated; Shelby County was one of those counties (Fema. gov). I would consider Memphis to be slightly concern about hurricanes occurring in the area, especially since the city is located at a low elevation. The lower elevation would be more susceptible to flooding. The government should have adequate warning of the hurricane, since it would most likely be coming from the Gulf of Mexico. I would also expect that the citizens would be prepared for hurricanes, since they are used to flooding situations. Tornadoes, I feel, are more of a concern than hurricanes. There are many more tornadoes in the middle of the state then there are on the outskirts. Tornadoes are more likely to strike open plains rather than in an urban area, like Memphis. â€Å"The reality is, very few tornadoes ever touch down in the city of Memphis†¦.. Nevertheless, tornadoes can and have struck within the city† (About. com). There have been numerous tornadoes that have affected Shelby county, but not nearly as many as the middle of the state. The last one that affected Shelby County, and had a high death count was in 1987, with at least 120 deaths (NWS Memphis Forecast Area Tornado Database). There have since been tornadoes that have caused deaths, hich is not surprising considering the amount of people that live in the city. With all the tornadoes that have gone through the county, there has always been a significant amount of damage. That also is understandable since there are a lot of buildings in the city. There have also been plenty of tornado warnings for the state, but not all of them affecting Shelby County. The last tornado warning that included Shelby County was on May 9, 2011. In order to be prepared for a tornado, there are several things we could do. First of all, avoid windows and seek shelter in the center-most room on the lowest floor possible. Use your hands and arms to protect yourself from falling debris. Also, keep some sort of identification on you at all times in case you are hurt or disoriented (About. com). Keeping identification on you is a good idea for every natural disaster. It will help emergency personnel identify who you are and hopefully get you back with your family. Tsunamis are another type of natural disaster that is not a concern for Memphis. There have been no known tsunamis recorded for Memphis. I do not think that there will be any future tsunamis in Memphis because there is no ocean or large body of water located near Memphis. The Mississippi River is near Memphis, but the river does not create waves that would be large enough to create a seismic wave. Even though tsunamis are not a threat to the city, flooding is a huge concern for the city. The Mississippi River is right near the city, so that would be a reason as to why the area floods frequently. The city is also at a low elevation, which is another reason as to why the area floods frequently. There is currently an active flood warning in effective right now (Fema. gov). Last year, there was flood that occurred in the beginning of May. The Mississippi River was supposed to rise to a record level of 48 feet, with 48. 7 being the record crest in 1937. More than 1,300 homes were ordered to evacuate and nearly 400 people were living in shelters. According to an article on abcnews. com, the most extensive damage occurred in Memphis, where â€Å"entire neighborhoods have been swallowed by the water and vehicles completely submerged† (Tanglao, â€Å"Memphis Flooding†). Since this obviously happens frequently, the citizens and government have ideas of what the levees can hold, and what the river’s maximum water level is. To prepare for flooding situations, there are certain things the government should tell their residents in order to make sure they are safe. They must send out warnings letting people know when and if the water level is high enough to go over the lands limits. In Memphis, the government should be able to accurately know when and if the Mississippi River has reached its maximum, and if people should evacuate their homes. As a resident, you should also be aware of what is going on in your community and know about the town’s emergency plans. You should also have sump pumps with back-up power in order to prevent contamination of the flooded water. Turn off all utilities at the main power switch in order to prevent electrocution. Fill bathtubs, sinks, and soda bottles with clean water, so you have water to drink that is not contaminated. You should also have water bottles and a food supply that will last a couple of days (Bt. cdc. gov). On the opposite end of the spectrum, wildfires are another example of a non-threat to Memphis. There are no forests in Memphis because it is a highly urban area with lots of people and buildings. The last wildfire reported in Memphis was in 1952, when there was a serious drought (Tnema. org). Even though there was that wildfire many years ago, I do not think that there is a serious threat to Memphis for another wildfire. Lastly, I also think that there is not a threat for extreme winter conditions to occur in Memphis. The last warning for some sort of winter conditions for Shelby County was in February 1992 (Fema. gov). Even though that was not too long ago, I still feel like there is not a huge concern for extreme winter conditions to occur any time soon again. Since Memphis is further south, they do not really get harsh winters like we do here in Pennsylvania. Memphis Tennessee has its fair share of natural disasters. They have to be concerned about earthquakes, floods, and tornadoes the most, while extreme winter conditions, volcanoes, and tsunamis the least concerned about. Every place on the Earth has to be concerned with natural disasters. Humans make the disasters a lot worse than they actually are, but there is nobody else to blame but ourselves. We get in the way of nature, and have to pay the consequences some way or another. Map I Map II Map III Centers for Disease Control and Prevention. Natural Disasters Severe Weather. Web. 12 April 2012. Central United States Earthquake Consortium. Earthquake Safety. Web. 12 April 2012. City of Memphis. Emergency Management Agency. 2003-2011. Web. 12 April 2012. Federal Emergency Management Agency. Tennessee Disaster History. 26 March 2012. Web. 12 April 2012. â€Å"Memphis Earthquake Information. † Homefacts. com. 2012. Web. 12 April 2012. â€Å"Natural Disaster. † Dictionary. com. Web. NWS Memphis Forecast Area Tornado Database. Web. 12 April 2012. Tanglao, Leezel. Memphis Flooding: Mississippi River Nears Record Highs. † AbcNews. com. 9 May 2011. Web. 12 April 2012. â€Å"Tennessee. † Information Please Database. Pearson Education, 2011. Web. 12 April 2012. Tennessee Emergency Management Agency. Wildfire. Web. 12 April 2012. â€Å"Tornadoes in Memphis: What to expect and how to stay safe. † About. com. The New York Times Company, 4 Ap ril 2011. Web. 12 April 2012. United States Geological Survey. Earthquake Hazard in the New Madrid Seismic Zone Remains a Concern. 3 August 2009. Web. 12 April 2012. United States Geological Survey. Tennessee: Earthquake History. 21 October 2009. Web. 12 April 2012.

Money and banking Assignment Example | Topics and Well Written Essays - 1000 words

Money and banking - Assignment Example In this context, Commerce National Bank reports interest-sensitive assets of $870 million and interest-sensitive liabilities of $625 million during the coming month. This implies that Commerce National Bank is an asset sensitive one. Since Commercial National Bank is asset sensitive, if interest rates rise, the bank will definitely enjoy a net interest margin. The bank’s productivity on interest income and earning interest will raise its basis point for basis point in line with the market. If the rates fall, it will have its net interest margin compressed. Securitization Securitization of assets refers to the process of collecting various sorts of debts such as car loans, mortgages, or credit card debts and packaging them as bonds, collateralized mortgage obligations, or as pass-through securities. They are then sold to investors. This process can consist of any type of financial assets and it is aimed at reinforcing liquidity in the marketplace. It is also vital for smaller i nvestors to buy shares in a more complex pool. The most amenable assets used in the securitization process include equipment, trucks, automobiles, home equity loans, recreational vehicles, and credit cards. Alternatively, asset-backed deals especially for exotic assets may include: consumer loans, computer leases, time shares, trade receivables, and small commercial loans. Securitization offers numerous benefits to investors, purchasers, and financial institutions. It provides financial lending institutions with a technique to remove assets from their balance sheets, thus raising the pool of obtainable capital to be lent out. In addition, lending institutions are given a chance to utilize their assets to get funds, and most specifically, replacing the lower-yielding assets with higher-yielding ones. From the lending institutions and the regulator’s perspectives, there are some risks associated with the securitization process. This may involve such risks as banks using the bes t quality assets in the procedure, which implies that the remaining portfolio may be more dangerous averagely. This will lead to an increase in the lending institution’s capital requirements. Banks and other lending institutions choose to do this because investment activities balance the benefits that loans offer. In overall, investments demonstrate less credit risks as compared to loans, as well as permitting lending institutions to expand to various places that loans cannot allow. Investment securities also give extra liquid reserves wherever more money is required, help banks to reduce their contact with huge taxes, serve as a prevaricate against losses as a result of the evolving interest rates, and offer collateral as needed by the regulations. There are prepayment and interest rate risks associated with securitized assets. This happens when borrowers pay off or default particular loans in the securitized-asset pool prematurely. The reason behind this may be due to the f all of interest and the substitution of old loans at lower loan rates. Prepayment risk may noticeably lower the security values backed by such loans and alter their appropriate maturities. Further, the considerable drawbacks in these investments such as declining in their market values as the principal assets may lead to increase in default rates. Liquidity Total assets Sales of bank assets are projected to be $18 million Total

Self Evaluation and learning action plan Essay Example | Topics and Well Written Essays - 1250 words

Self Evaluation and learning action plan - Essay Example On the other hand, through providing handsome compensation plans modern organizations are trapping youngsters into a fallacy of job therefore, turning their talents into increasing profitability for their stakeholders. However, it is relieving to note, that job turnover is increasing throughout the world because of organizations’ growing tendency to commit psychological contract breach, which is actively contributing towards increasing entrepreneurial expeditions around the world (Jafri, 2011). This paper will be designed in such a way that it will assist me in attaining my objectives in life, through integrating knowledge of various concepts such as thinking practitioner, action planning and skill analysis. I consider myself as a creative individual, who can artistically perform business activity in any part of the world. However, my financial management skills are weak, but I am confidently attempting to overcome my professional deficiency in finance. I also believe in my teachers’ ability to help me during my struggle to become a competent financial analyst in the future. First, this document will focus on explaining thinking practitioner. This type of individual analyzes his or her each professional and personal action, in the light of successfulness. Along with this, he or she keeps on evaluating him or herself in order, to indentify personal strengths and weaknesses (Smith, 2011). Remember, the competitive advantage of a person lies with his or her strength, because it is simple to achieve excellence in the field, in which an individual is interested. However, in other areas an individual may have to work very hard, but may not be able to develop expertise. At the same time, it is important to seek out others’ opinion, but we do not have to impose it on ourselves because, people will always deem something impossible, which they cannot achieve (Vries, et al, 2006). On the other hand, it