The Perfect Place to Relax free essay sample

The perfect place to relax Everyone has their one special place that he or she can feel clam and relax. For someone, it could be a quiet place, such as bedroom or living room. For another one, it could be the hustling, full of people just like shopping mall. Everyone has a unique place to relax. As for me, bedroom is a place where I can feel more comfortable and relaxed in. When you come into my room, the first sight to catch your attention is a large French window in the right side. It is almost ten feet wider which allow the sunlight to brighten every corner of the bedroom during daytime. Every weekend, I like to sit in front of the French window and read some books during sunset. Sometimes I just sit there and do nothing to enjoy the quiet moment. On the other side of the bedroom is a huge digital TV which set on a wooden table. We will write a custom essay sample on The Perfect Place to Relax or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page I watch my favorite movie or listen to some relaxing music. I think the best way to relax is to have a cup of milk while watching TV before I go to bed. It makes me to have a very good sleep. So I really enjoy the time that I spend in the bedroom. In the middle of the bedroom is my king-sized water bed. It is an amazing bed of comfort as you plop down on it.. It is the place where I take many naps and relaxing sleep in the night. Most of the time I lay on the bed to listen music or watch TV. In conclusion, my bedroom is my favorite place because I can get away from stress and completely relax myself especially after get off duty. Everyone needs a place to relax and where is your place?

Water Wars in Bolivia

Water Wars in Bolivia Modernization and development experts in the early 1950s predicted the possibility of future water wars (Rapoport, 1974). Since then, the experts have been on the forefront supporting governments in developing and implementing resource management policies.Advertising We will write a custom essay sample on Water Wars in Bolivia specifically for you for only $16.05 $11/page Learn More With the aim of enhancing human-environment relations within their regions, most countries have developed and implemented appropriate measures (Rapoport, 1974). However, it is disappointing to note that most governments in the developing countries have paid little or no attention to avert the looming dangers. With regard to the recent resource protests in Bolivia, this paper details the progress achieved in the case study, and outlines recommendations based on modernization theories. Problems In the year 1999, human-environment conflicts broke out in Cochabamba, Bolivia. The conf licts involved water customers, private water service providers, and International Waters Company (Perrault, 2006). We noted that towards the end of the 20th century, Bolivian government was under hyperinflation (Carlos, 2006). To ease the situation, Bolivian government requested for a financial aid from the World Bank (Perrault, 2006). The World Bank accepted their request, and in turn mandated its government to abide by the bank’s provisions. To achieve its development independence, Bolivian government was required by the World Bank to privatize most of its state owned industries (Carlos, 2006). To comply with this requirement, Bolivian government privatized its telecommunication, railways, and hydrocarbon industries.Advertising Looking for essay on environmental studies? Let's see if we can help you! Get your first paper with 15% OFF Learn More In the year 2000, the World Bank advised the Bolivian government to privatize its water service system. Th ey had to abide by the World Bank’s directive to qualify for the 25 million US dollars they had requested from the institution (Perrault, 2006). Through this directive, the World Bank aimed at improving the Bolivian water systems’ effectiveness. They were to achieve it through the introduction of new investors and replacement of corrupt individuals in the water service systems. Upon privatization, the new water service provider, Aguas Del Tunari, raised the water rates to finance the construction of a stalled dam (Perrault, 2006). As a result, some poor people were unable to pay for their water bills. At the beginning of the year 2000, the peasant farmers initiated protests against the water prices (Perrault, 2006). By mid February, demonstrations had attracted factory workers, street children, and state employees. As a result, the Cochabamba’s economy stalled for several days led to massive financial losses. At the beginning of the case study, we identified sev eral causes of Bolivian water and natural gas crystalline protests. We noted that the Water wars in Bolivia were the product of human-environment conflicts. These conflicts depict Bolivia’s weak environmental management systems and corrupt institutions (Perrault, 2006). So far, we have identified that Bolivian environmental management systems and institutions are not only ineffective but also ill equipped. For the last two decades, the country’s environmental authorities have followed the neo-liberal path (Perrault, 2006). In the case study, we noted that the past corrupt Bolivian environmental authorities were not appropriately centralized.Advertising We will write a custom essay sample on Water Wars in Bolivia specifically for you for only $16.05 $11/page Learn More As a result, farming organizations and community associations were formed to manage the country’s water service distribution services (Carlos, 2006). Through the studies, we discovered that NGOs, bilateral agencies, and multilateral agencies were involved in the distribution of water services from rural to urban areas. With all these players in the water service system, it became very difficult for the country to appropriately manage and regulate its water service industries (Perrault, 2006). Upon privatization, Bolivian water systems re-scaled and re-institutionalized Bolivian natural management organizations leading to resource related struggles (Perrault, 2006). We identified that during the Bolivian privatization processes, they excluded the public from participating in important decision-making processes. As a result, the public were convinced that their resources were being taken over by the private companies. Through this, the citizens were motivated to fight for their property rights through strikes and demonstrations. Similarly, the public believed that privatization of public natural resources was going to restrict their access. As a result , they resorted to demonstrations witnessed during the beginning of the year 2000 (Carlos, 2006). Similarly, the studies revealed that Bolivia’s dependence on foreign aid, weak political and economical stability rendered their legal and institutional frameworks ineffectively. Equally, we have noted that the country’s dependence on foreign aid led to the reorganization of the country’s resource management systems to suit the foreign interests rather than the country’s interests.Advertising Looking for essay on environmental studies? Let's see if we can help you! Get your first paper with 15% OFF Learn More In this regard, we identified that Bolivian human-environment conflicts were triggered by concerns over control of resources and implications of scarce natural resources on their livelihoods (Carlos, 2006). By conducting the case study, we noticed that in the last two decades the Bolivian government has been infamous for disrespecting social justice. Bolivian consumers expected their government to shield them from exploitation from local and international firms (Perrault, 2006). Similarly, as noted through Bolivian water wars, Bolivian citizens were concerned with the country’s lack of transparency in handling and distributing its natural resources. For instance, in the protest the demonstrators called on their government to improve its distributive justice (Perrault, 2006). Solutions As we have argued, developing nations require massive investments to expand their water services. In this regard, the World Bank and other international financiers should note that the cost of e xpanding these services is too enormous for most private companies to manage on their own (Bruce, 2011). Similarly, we noted that in some countries the World Bank has subsidized cost recovery to enhance privatization of more state companies (Funder, 2012). Instead, the World Bank should help Bolivia and other developing nations in enhancing their natural resource institutions’ efficiencies rather than subsidizing and expanding their private sectors (Bruce, 2011). Similarly, we urge Bolivian private and public sectors to work together to ensure that water and other natural resources are equally distributed. Similarly, Bolivian government should ensure that its citizens have access to natural resources at fair prices. As witnessed in Bolivia, human competition over scarce resources triggers most human-environment conflicts (Bruce, 2011). To reduce competition over these resources, we urge all Bolivians to adopt responsible behaviors. According to the World Bank, people should a ppropriately utilize natural resources by minimizing their wastage. Similarly, Bolivians should adopt modern scientific technologies that minimize the usage of natural resources. Through this, agricultural farms should use the modern scientific methods of irrigation rather than the rudimentary technologies currently used across Bolivia and other developing nations. Similarly, Bolivian government should improve its economic state. Through this, the government should create more employment and investment opportunities. We believe that with an improved economy, most Bolivians would stop depending on their natural resources as their source of livelihoods, thus reducing cases of human-environment conflicts. By acknowledging the modern thinking concepts, Bolivians should analyze current social factors influencing human-environment conflicts. By doing so, we believe that they would be able to discover the means to avoid and solve these challenges. Bolivian authorities should ensure that ap propriate laws and authorities are put in place to regulate the involvement of the private sectors in participating in the management of the country’s natural resources (Scott, 1998). Similarly, Bolivian government should adopt and develop alternative economic development models. After analyzing the Bolivian economic history, we noted that neo-liberalism has not only enhanced poverty and insecurity, but also resulted in increased social injustices. To solve these issues, the Bolivian private and public sectors should do away with neo-liberalization policies (Scott, 1998). Equally, we urge the country’s resource authorities to outlaw the neo-liberalization of the country’s natural resources. Instead, the resource authorities should acknowledge that they have failed in the distribution of the countrys resources. Thereafter, they should distribute all natural resources fairly focusing more on the previously neglected areas (Scott, 1998). Conclusion Generally, we no ted that the current Bolivian human-environment conflicts might persist for the next few decades. Thus, Bolivian government must acknowledge its citizens grievances. By acknowledging these grievances, government officials should realize that the citizens expect their help in developing political and social systems. Similarly, the government, NGOs, and the private organizations should realize that they have a role to play in the formulation of appropriate educational policies used in public education (Scott, 1998). By adopting the use of modern technologies, Bolivian government can significantly reduce cases of unrests and human environment conflicts previously witnessed. References Bruce, R. (2011). Rights to water and privatization. Environmental Forum, 28(1), 2. Carlos, A. (2006). Crisis in Cochabamba.. Alternatives Journal., 32(4), 2. Funder, M. (2012). Strategies of the Poorest in Local Water Conflict and Cooperation – Evidence from Vietnam, Bolivia and Zambia. Water Alte rnatives, 5(1), 17. Perreault, T. (2006). From the Guerra del Agua to the Guerra del Gas: Resource governance, neoliberalism and popular protest in Bolivia. Antipode, 38(1), 12. Rapoport, A. (1974). Conflict in man-made environment. Harmondsworth, Eng: Penguin Books. Scott, J. C. (1998). Seeing like a state: how certain schemes to improve the human condition have failed. New Haven: Yale University Press.

Economic Geography

Economic Geography Economic geography is a sub-field within the larger subjects of geography and economics. Researchers within this field study the location, distribution, and organization of economic activity around the world. Economic geography is important in developed nations such as the United States because it allows researchers to understand the structure of the areas economy and its economic relationship with other areas around the world. It is also important in developing nations because the reasons and methods of development or lack thereof are more easily understood. Because economics is such a large topic of study so too is economic geography. Some topics that are considered economic geography include agritourism, the economic development of various countries and gross domestic and gross national products. Globalization is also extremely important to economic geographers today because it connects much of the worlds economy. History and Development of Economic Geography The field of economic geography continued to grow as European nations later began to explore and colonize different regions around the world. During these times European explorers made maps describing economic resources such as spices, gold, silver and tea that they believed would be found in places like the Americas, Asia and Africa (Wikipedia.org). They based their explorations on these maps and as a result, new economic activity was brought to those regions. In addition to the presence of these resources, explorers also documented the trading systems that the people native to these regions engaged in. In the mid-1800s farmer and economist, Johann Heinrich von Thà ¼nen developed his model of agricultural land use. This was an early example of modern economic geography because it explained the economic development of cities based on land use. In 1933 geographer Walter Christaller created his Central Place Theory that used economics and geography to explain the distribution, size, and number of cities around the world. By the end of World War II general geographic knowledge had increased considerably. Economic recovery and development following the war led to the growth of economic geography as an official discipline within geography because geographers and economists became interested in how and why economic activity and development was occurring and where it was around the world. Economic geography continued to grow in popularity throughout the 1950s and 1960s as geographers attempted to make the subject more quantitative. Today economic geography is still a very quantitative field that mainly focuses on topics such as the distribution of businesses, market research and regional and global development. In addition, both geographers and economists study the topic. Todays economic geography is also very reliant on geographic information systems (GIS) to conduct research on markets, the placement of businesses and the supply and demand of a given product for an area. Topics within Economic Geography Theoretical economic geography is the broadest of the branches and geographers within that subdivision mainly focus on building new theories for how the worlds economy is arranged. Regional economic geography looks at the economies of specific regions around the world. These geographers look at local development as well as the relationships that specific regions have with other areas. Historical economic geographers look at the historical development of an area to understand their economies. Behavioral economic geographers focus on an areas people and their decisions to study the economy. Critical economic geography is the final topic of study. It developed out of critical geography and geographers in this field attempt to study economic geography without using the traditional methods listed above. For example, critical economic geographers often look at economic inequalities and the dominance of one region over another and how that dominance impacts the development of economies. In addition to studying these different topics, economic geographers also often study very specific themes related to the economy. These themes include the geography of agriculture, transportation, natural resources, and trade as well as topics such as business geography. Current Research in Economic Geography Journal of Economic Geography Each of these articles is interesting because they are very different from one another but they all focus on some aspect of the worlds economy and how it works.

Practice skills Essay Example | Topics and Well Written Essays - 250 words

Practice skills - Essay Example Despite of his conceptual knowledge, he did not practice anything. He only verbalized the ideas. My best manager recorded a different trend from this. He linked the gap that would exist between knowing and doing. Therefore, this manager would focus on the implementation of his ideologies and strategies within the organization. For example, he ensured resilient performance amongst employees through channeling rewards such as salary increment and promotions. This manager also ensured a hiring process that upheld competence of the recruits. He also organized seminars and team-building activities to enhance affiliation amongst the workforce. The key difference is that the worst manager would only verbalize ideas, while the other would implement them. My best and worst managers also differed in their skills. The technical skills of my worst manager were impaired. He did not use tools and equipment competently to attain desirable objectives within the organization. Consequently, processes implementation within the organization was highly impaired. This manager also had an average performance in his interpersonal and problem solving processes. My best manager possessed an ideal capacity to use tools and equipment to implement processes. His interpersonal and communication skills were outstanding. This nurtured healthy relationships amongst the workforce and himself. He portrayed an elevated degree of analytical capability. This would enable him to make feasible recommendations for organizational

Should the Sex Offender Registry be abolished Research Paper

Should the Sex Offender Registry be abolished - Research Paper Example This paper argues for the abolishment of the public sex offender registry by giving concrete reasons against having the practice retained. Reasons why the Public Sex Offender Registry should be abolished Harm to families. Proponents of the public sex offender registry argue that making sex offender information public reduces the rates of sexual offenses by repeat offenders and enable parents to protect their children (IDEA, 2009). However, public notification of sex offenders does not only affect the offenders, but their families as well. This is because despite the fact that states have the discretion to decide on the criteria for disclosing sex offender information, majority of the states implements them to the extreme. Sex offenders get imprisonment sentences and remain incarcerated for a significant amount of time, but their families get to suffer more humiliation, especially when details get disclosed to the entire public, such as being made available on the internet. Hodgson an d Kelley point out that â€Å"highly publicized case have demonstrated a severe and negative impact on the victim’s family and the offender’s family† (2002, p. 229). Cases of mistaken identities after release of offender information to the public have also been witnessed, and the persons incorrectly identified as sex offenders have undergone harassment and assault. Ex-offenders and their families suffer constant instability when their private information such as name, age, place of employment, address, and crime committed is made available to the public. This includes lack of proper employment and challenges accessing suitable housing.... This paper stresses that proponents of the public sex offender registry argue that making sex offender information public reduces the rates of sexual offenses by repeat offenders and enable parents to protect their children. However, public notification of sex offenders does not only affect the offenders, but their families as well. This is because despite the fact that states have the discretion to decide on the criteria for disclosing sex offender information, majority of the states implements them to the extreme. Sex offenders get imprisonment sentences and remain incarcerated for a significant amount of time, but their families get to suffer more humiliation, especially when details get disclosed to the entire public, such as being made available on the internet. The author talks that supporters of the preservation of the public sex offender registry and relevant acts argue that the registration is important in protecting them and their children. They however forget the tax burde n imposed on tax payers, who have to pay the salaries and fund all operations of the staff working in these units. The implementation of additional laws and regulations is also funded by taxpayers. This report makes a conclusion that there are better ways of handling sex offenders, rather than subjecting them and their families to excessive punishment, humiliation and harm, and violating their rights. The main aim of the justice system is reforming offenders and giving them a chance to live normal lives. The use of the public sex offender registry fails to do this.

Tennyson wrote In Memoriam Essay Example for Free

Tennyson wrote In Memoriam Essay Tennyson wrote In Memoriam for a dear lost friend of his. The poems span the length of 17 years. When Tennyson writes of the way of the soul, is most definitely referring to that metaphysical aspect of a person’s spirit – that thing which travels beyond death. Tennyson’s fear however, is that he cannot write about the soul, as he says, â€Å"For words, like Nature, half reveal/And half conceal the Soul within. † (Tennyson lines 3-4 poem V. ) In short, Tennyson writes of the loss of his friend’s soul. Tennyson’s fear becomes that he will not know his friend any longer in his mortal form (perhaps Tennyson fears he will not recognize his friend’s soul should they meet again); such desire is shown in poem XII, ‘Is this the end? Is this the end? ’ (Tennyson line 16 XII). However, Tennyson forgoes his fears and finds a certainty as expressed in these lines, â€Å"And I perceived no touch of change,/No hint of death in all his frame,/But found him all in all the same,/I should not feel it to be strange. † (Tennyson lines 17-20 poem XIV) thereby proving that his friend is not altogether lost to him, nor should Tennyson feel sorrow for one who is not lost. 2. Tennyson wrote Mariana as a character taken from Shakespeare’s Measure for Measure. In the poem Tennyson illustrates the woman’s waiting for her lover; the ambiance of the poem illustrates the woman’s vain waiting with word choices such as, â€Å"rusted nails† â€Å"broken sheds† and hinges that â€Å"creak† (Tennyson). Such elements of dilapidation reveal the psychology of the main character’s actions; thus Tennyson uses environment as revelation to the person’s psychological makeup. In Browning’s My Last Duchess the reader is exposed to a subjective reality in which the Duke reveals to the emissary that, â€Å"[he] gave commands; / Then all smiles stopped together. † (Browning). Thus, the reader is left to believe he killed her, or had the Duchess killed because of her flirtatious (according to the Duke) wanderings. Browning’s use of enjambment instead of the metered revelry of Tennyson’s poem stand as stark contrast to one another: Tennyson’s work is pleasing to the ear, affecting the reader to follow the meter and its revelations of grief and love for the grieved while Browning’s enjambment give the reader a jilted session of reading making the reader disquieted and not all together comfortable in reading the poem, a technique that makes them wonder about the ease with which the Duke mentions that he murdered his wife. 3. Edward Fitzgerald’s Rubaiyat of Omar Khayyam is a work of hedonistic texture because of its many references to love or lust of earthly delights, as in the lines â€Å"Here with a Loaf of Bread beneath the Bough,/A Flask of Wine, a Book of Verse and Thou/Beside me singing in the Wilderness -/And Wilderness is Paradise enow† (Fitzgerald Quatrain XI). Thus, in order to be human, to feel human, Omar must indulge in earthly pleasures or else what is the point of eating bread? Drinking wine? Reading and singing? It is these components that make up the pleasures of humanity. In Fitzgerald’s translation of the poem, wine is almost a character which comes up and is referenced again and again, supporting the thesis of hedonism being the theme and design of the poem. The poet uses this device to escape the more sordid details of living such as â€Å"punishment and pain† as well as â€Å"dirty wind, fire, and water† (Fitzgerald). 4. Matthew Arnold’s poetry showed a heaviness of doubt: Doubt of self, doubt of love, doubt of God and the ever-after. In To Marguerite—Continued this doubt is plainly illustrated with lines such as, â€Å"†¦then a longing like despair†¦Ã¢â‚¬  (Arnold line 13) when speaking about the nightingales who sing sweetly, but their song becomes distorted in the poet’s ears as he feels as though their song is soured because the birds could remember a time when the continents were together instead of separated. This line represents a stance on lovers – how lovers are once together but separated and thus the longing of the past is bred into the poem through the songs of the birds. Also, as much beauty as Arnold places on the importance of the ocean, he overshadows this sentiment by making the ocean a divider with the line, â€Å"Now round us spreads the watery plain—† (Arnold line 17). And of love, Arnold gives no reverence but merely paints love out to be intermittent moments in a bleak world as in the poem The Buried Life he states, â€Å"Alas! is even love too weak† (Arnold line 12). This bleakness spreads into Arnold’s poem Dover Beach in which the sea again plays a vital part in expressing Arnold’s joyless life through the metaphor of a melancholy ocean. 5. One theme that runs through Arnold’s poems is that of doubt, concurrent with this theme is the image of an ocean. This ocean or â€Å"estranging sea† (Arnold line 24) as is described in To Marguerite—Continued is also read in his poem The Buried Life. He uses the ocean as a metaphor of a juggernaut of loneliness and separateness in which his doubt resides. The ocean is used to illustrate how he is alone from humanity as well as love in these two poems and how it is this unnamable force, this feeling as big as an ocean which makes his life miserable. Although he uses poetic metaphors, Arnold’s poems do not illustrate anything of the joyful hedonism of Edward Fitzgerald’s Rubaiyat of Omar Khayyam. One may postulate that such lack of hedonism is puritanical in comparison to Tennyson’s love illustrated in his In Memoriam however the reader may conjecture that perhaps Arnold had been loved or had loved at one point in his life because the suffering of his soul is in each poem he writes. Arnold’s theme is doubt and loneliness and in this doubt arises the question the reader must ask themselves, Is love worth such misery? For Arnold, perhaps it wasn’t.

They Can Feel It Too Essay -- Animal Rights

Did you know that domestic violence against an animal as a first offence is only a class B misdemeanor and domestic battery against a human is a Class A misdemeanor? Did you also know that a Class A misdemeanor is about 2 times more severe than a Class B misdemeanor? What makes us humans so special and superior to animals? Why do animals have fewer rights and less protection than us? Animals have feelings too and need to be treated as such so I say it’s time for a change. All this abuse and neglect towards animals needs to stop. Animals can feel pain even though they may not express it the same way that us humans do. Animals need our voices to help close the loopholes in our laws. Someone has to speak up for them since they can’t speak for themselves. In media-reported animal cruelty cases, dogs, pit bulls, in particular, are the most common victims of animal cruelty. In 2007 64.5% of media-reported cases involved dogs, 18% involved cats, and 25% involved other types of animals. The HSUS (The Humane Society of the United States) estimates that nearly 1 million animals a year are abused or killed in connection with domestic violence. About 2,168,000 women and men are physically assaulted by an intimate partner in the U.S. every year. 63% of U.S. households own a pet, and 71% of domestic violence victims report that their abuser also targeted their animals. These statistics are very alarming. So is the fact that many convicted murderers and serial killers tortured animals when they were younger and progressed to killing humans. The other two red-flag behaviors are setting fires and wetting ones bed. Now I’m not saying every child that wets themselves should be put under a microscopic eye but all three of these behaviors together ... ...2383--.html Pristin, Terry. "New Jersey Daily Briefing;Tougher Animal Cruelty Law." New York Times 16 July 1996: 1. Academic Search Premier. Web. 10 Mar. 2012. http://web.ebscohost.com/ehost/detail?vid=5&hid=108&sid=58dd2e2a-f77d-4363-99b4-a8f9371ab8ab%40sessionmgr114&bdata=JnNpdGU9ZWhvc3QtbGl2ZQ%3d%3d#db=aph&AN=29578437 VanKavage, Ledy. â€Å"Humane Law Enforcement in Illinois†, Petfinder.com. Spring 2002. Web. March 18, 2012. http://www.petfinder.com/how-to-help-pets/humane-law-enforcement-illinois.html Whitcomb, Rachel. "Veterinarian Recounts Zanesville's Tragic Killing Of 49 Exotic, Wild Animals." DVM: The Newsmagazine Of Veterinary Medicine 42.12 (2011): 7. Academic Search Premier. Web. 10 Mar. 2012. http://web.ebscohost.com/ehost/detail?vid=7&hid=108&sid=58dd2e2a-f77d-4363-99b4-a8f9371ab8ab%40sessionmgr114&bdata=JnNpdGU9ZWhvc3QtbGl2ZQ%3d%3d#db=aph&AN=69711284

Finance and banking Essay

Chapter 1 1. Has the inflation rate in Canada increased or decreased in the past few years? What about interest rates? R/. The inflation rate of CAnada is low. The inflation rate was at 1.10 % in August. And the interest rate was declining. In one news said that on 1915 until 2013, the Canada’s inflation rate 3.2% reaching an all time high of 21.6% in June of 1920 and got a record low at -17.8% in June of 1921. 2. If history repeats itself and we see a decline in the rate of money growth, what might you expect to happen to A. Real output – is going down B. the inflation rate, and – is going down C. Interest rates – is going down All are going to fall. 3. When was the most recent recession? According to the National Bureau of Economic Research (the official arbiter of U.S. recessions), there were 10 recessions between 1948 and 2011. And the recent recession started in December 2007 and finished in June 2009. 4. When interest rates fall, how might you change your economic behaviour? I will buy a car and house because the cost of them would fall. I think when the rates fall is good spend more money for get good properties and the future I can duplicate what I spend. 5. Can you think of any financial innovation in the past ten years that has affect you personally? Has it made you better off or worse off? Why? I think all the inventions that the government made, for example the subway and trains. This made me better off, because for me I feel more comfortable with the transportation and for all the population, this made more opportunities for get a job. 6. Is everybody worse off when interest rates rise? When net rest rates rise is not worse off, but for the people who borrow for get a house or a car would be worse off for them, because will cost more to finance their purchase. 7. What is the basic activity of banks? Store money Storing money for customers is the most classic of banking activities. Traditional banks, credit unions and savings institutions offer this service. Customers use bank accounts, such as checking or regular savings accounts, because most provide safe locations to store deposited money that is FDIC-insured, or protected by the Federal Deposit Insurance Corporation. Facilitate Payments Banks and financial institutions enable their customers to pay others. Customers are given checks, both paper and electronic, and other payment tools, such as debit cards. A customer is able to write a check or make a payment to an outside vendor, such as a grocery store, electricity company or other outside individual, with one of their designated payment tools. The financial institution sends money from the customer’s account to their designated payee. Loan Money Lending money allows a bank or financial institution to earn money, according to the FDIC website. This for-profit service involves the bank lending a sum of money to a customer and then charging interest as the loaned amount is repaid back to the institution. Loans are used to purchase or lease automobiles, buy homes, refinance mortgages, perform home repairs and other expensive projects. 12.How does a fall in the value of the pound sterling affect British consumers? R/. This will makes the foreign goods expensive and the British are not going to buy this foreign goods because they are going to choose for the cheaper one. 13.How does an increase in the value of the pound sterding affect American businesses? R/. For American business will be easier for sell their goods and they can sell it in the United States or abroad. 14.When the dollar is worth more in relation to currencies of other countries, are you more likely to buy American-made or foreign-made jean ? Are U.S.companies that make jeans happier when the dollar is strong or when it is weak? What about American company that is in the business of importing jeans into the United States? R/. In the mid-to late 1970s and in the late 1980s and early 1990s, the value of the dollar was low, making travel abroad relatively more expensive; thus it was a good time to vacation in the United States and see the Grand Canyon. With the rise in the dollar’s value in the early 1980s, travel abroad became relatively cheaper, making it a good time to visit the Tower of London. Chapter 2 1.Why is a share of IBM common stocks an asset for its owner and a liability for IBM? The share of IBM stock is an asset for its owner because it entitles the owner to a share of the earnings and assets of IBM. The share is a liability for IBM because it is a claim on its earnings and assets by the owner of the share. 2.If I can buy a car today for $5000and it is worth $10,OOO in extra income next year to me because it enables me to get a job as a traveling  anvil seller, Should I take out a loan from Larry the loan Shark at a 90% interest rate if no one else will give me a loan? Will I be better or worse off as a result of taking out this loan? Can you make a case for legalizing loan-sharking? I should take out a loan from Larry, if I make a case for legalizing that would give problem and can affect the bank. It’s not good make a case. 3.Some economists suspect that one of the reasons that economies in developing countries so slowly is that they do not have well-developed financial markets. Does this argument make sense? Yes, because the absence of financial markets means that funds cannot be channeled to people who have the most productive use for them. Entrepreneurs then cannot acquire funds to set up businesses that would help the economy grow rapidly. 10. If you are an employer, what kinds of moral hazard problems might you worry about with your employees? R/. I would be concerned that they have their own responsibilities and they might steal things or do not good behaviour. 11.If there were asymetwmthe information that a borrower and a lender had, could there stiIl be a moral hazard problem? Yes, because even if you know that a borrower is taking actions that might jeopardize paying off the loan, you must still stop the borrower from doing so. Because that may be costly, you may not spend the time and effort to reduce moral hazard, and so the problem of moral hazard still exists. 14.How does risk sharing benefit both financial intermediaries and private investors? Risk sharing benefits and financial intermediaries are able to earn a spread. Investors benefit are able to invest in good diversified portfolio.

The Hunters: Phantom Chapter 9

Bonnie winced at the nasty metalic taste in her mouth and blinked several times, until the room around her came back into focus. â€Å"Ugh,† she said. â€Å"I hate doing that.† Everyone was staring at her, their faces white and shocked. â€Å"What?† she said uneasily. â€Å"What'd I say?† Elena was sitting very stil . â€Å"You said it was my fault,† she said slowly. â€Å"Whatever is coming after us, I brought it here.† Stefan reached out to cover her hand with his own. Unbidden, the meanest, narrowest part of Bonnie's mind thought wearily, Of course. It's always about Elena, isn't it? Meredith and Matt fil ed Bonnie in on the rest of what she'd said in her trance, but their eyes kept returning to Elena's stricken face, and as soon as they finished tel ing her what she'd missed, they turned away from Bonnie, back to Elena. â€Å"We need to make a plan,† Meredith said to her softly. â€Å"We'l al want some refreshment,† Mrs. Flowers said, rising to her feet, and Bonnie fol owed her into the kitchen, eager to escape the tension of the room. She wasn't real y a plan girl, anyway, she told herself. She'd made her contribution just by being the vision girl. Elena and Meredith were the ones everyone looked to for making the decisions. But it wasn't fair, was it? She wasn't a fool, despite the fact that her friends al treated her like the baby of the group. Everyone thought Elena and Meredith were so clever and so strong, but Bonnie had saved the day again and again – not that anyone ever remembered that. She ran her tongue along the edges of her teeth, trying to scrape off the nasty sour taste stil in her mouth. Mrs. Flowers had decided that what the group needed to soothe them was some of her special elder-flower lemonade. While she fil ed the glasses with ice, poured the drinks, and set them out on a tray, Bonnie watched her restlessly. There was a rough, empty feeling inside Bonnie, like something was missing. It wasn't fair, she thought again. None of them appreciated her or realized al she'd done for them. â€Å"Mrs. Flowers,† she said suddenly. â€Å"How do you talk to your mother?† Mrs. Flowers turned to her, surprised. â€Å"Why, my dear,† she said, â€Å"it's very easy to speak to ghosts, if they want to speak to you, or if they are the spirits of someone you loved. Ghosts, you see, have not left our plane but stay close to us.† â€Å"But stil ,† Bonnie pressed on, â€Å"you can do more than that, a lot more.† She pictured Mrs. Flowers, young again, eyes flashing, hair flying, fighting the kitsune's malevolent Power with an equal Power of her own. â€Å"You're a very powerful witch.† Mrs. Flowers's expression was reserved. â€Å"It's kind of you to say so, dear.† Bonnie twirled a ringlet of her hair around one finger anxiously, weighing her next words. â€Å"Wel†¦ if you would, of course – only if you have time – I'd like you to train me. Whatever you'd be wil ing to teach me. I can see things and I've gotten better at that, but I'd like to learn everything, anything else you can show me. Divining, and about herbs. Protection spel s. The works, I guess. I feel like there's so much I don't know, and I think I might have talent, you know? I hope so, anyway.† Mrs. Flowers looked at her appraisingly for one long moment and then nodded once more. â€Å"I wil teach you,† she said. â€Å"With pleasure. You possess great natural talent.† â€Å"Real y?† Bonnie said shyly. A warm bubble of happiness rose inside her, fil ing the emptiness that had engulfed her just moments ago. Then she cleared her throat and added, as casual y as she could manage, â€Å"And I was wondering†¦ can you talk to anyone who's dead? Or just your mother?† Mrs. Flowers didn't answer for a few moments. Bonnie felt like the older woman's sharp blue gaze was looking straight through her and analyzing the mind and heart inside. When Mrs. Flowers did speak, her voice was gentle. â€Å"Who is it you want to contact, dear?† Bonnie flinched. â€Å"No one in particular,† she said quickly, erasing an image of Damon's black-on-black eyes from her mind. â€Å"It just seems like something that would be useful. And interesting, too. Like, I could learn al about Fel ‘s Church's history.† She turned away from Mrs. Flowers and busied herself with the lemonade glasses, leaving the subject behind for now. There would be time to ask again, she thought. Soon. â€Å"The most important thing,† Elena was saying earnestly, â€Å"is to protect Meredith. We've gotten a warning, and we need to take advantage of it, not sit around worrying about where it came from. If something terrible – something I brought somehow – is coming, we'l deal with it when it gets here. Right now, we look out for Meredith.† She was so beautiful, she made Stefan dizzy. Quite literal y: Sometimes he would look at her, catch her at a certain angle, and would see, as if for the first time, the delicate curve of her cheek, the lightest rose-petal blush in her creamy skin, the soft seriousness of her mouth. In those moments, every time, his head and stomach would swoop as if he'd just gotten off a rol er coaster. Elena. He belonged to her; it was as simple as that. As if for hundreds of years he had been journeying toward this one mortal girl, and now that he had found her, his long, long life final y had found its purpose. You don't have her, though, something inside him said. Not all of her. Not really. Stefan shook off the traitorous thought. Elena loved him. She loved him bravely and desperately and passionately and far more than he deserved. And he loved her. That was what mattered. And right now, this sweet mortal girl he loved was efficiently organizing a schedule for guarding Meredith, assigning duties with the calm expectation that she would be obeyed. â€Å"Matt,† she said, â€Å"if you're working tomorrow night, you and Alaric can take the daytime shift. Stefan wil take over at night, and Bonnie and I wil pick up in the morning.† â€Å"You should have been a general,† Stefan murmured to her, earning himself a quick smile. â€Å"I don't need guards,† Meredith said irritably. â€Å"I've been trained in martial arts and I've faced the supernatural before.† It seemed to Stefan that her eye rested speculatively on him for a second, and he forced himself not to bristle under her scrutiny. â€Å"My stave is al the protection I need.† â€Å"A stave like yours couldn't have protected Celia,† Elena argued. â€Å"Without Stefan there to intervene, she would have been kil ed.† On the couch, Celia closed her eyes and rested her head against Alaric's arm. â€Å"Fine, then.† Meredith spoke in a clipped tone, her eyes on Celia. â€Å"It's true, out of al of us, only Stefan could have saved her. And that's the other reason this whole team effort to protect me is ridiculous. Do you have the strength and speed these days to save me from a moving train, Elena? Does Bonnie?† Stefan saw Bonnie, coming in with a tray of lemonade glasses, pause and frown as she heard Meredith's words. He had known, of course, that with Damon dead and Elena's Powers gone, he was the only one left to protect the group. Wel , Mrs. Flowers and Bonnie had some limited magical ability. Then Stefan amended the thought further. Mrs. Flowers was actual y quite powerful, but her powers were stil depleted from fighting the kitsune. It came to the same thing, then: Stefan was the only one who could protect them now. Meredith might talk about her responsibilities as a vampire hunter, but in the end, despite her training and heritage, she was just another mortal. His eyes scanned the group, al the mortals, his mortals. Meredith, serious gray eyes and a steely resolve. Matt, eager and boyish and decent down to the bone. Bonnie, sunny and sweet, and with a core of strength perhaps even she didn't know she had. Mrs. Flowers, a wise matriarch. Alaric and Celia†¦ wel , they weren't his mortals the way the others were, but they fel under his protection while they were here. He had sworn to prote ct humans, when he could. If he could. He remembered Damon saying to him once, laughing in one of his fits of dangerous good humor, his face gleeful, â€Å"They're just so fragile, Stefan! You can break them without even meaning to!† And Elena, his Elena. She was as vulnerable as the rest of them now. He flinched. If anything ever happened to her, Stefan knew beyond a doubt that he would take off the ring that let him walk in the day, lie down in the grass above her grave, and wait for the sun. But the same hol ow voice inside that questioned Elena's love for him whispered darkly in his ear: She would not do the same for you. You are not her everything. As Elena and Meredith, with occasional interjections from Matt and Bonnie, continued to argue about whether Meredith needed the efforts of the group to guard her, Stefan closed his eyes and slipped into his memories of Damon's death. Stefan watched, foolish and uncomprehending and just not fast enough, as Damon, quicker than him till the last, dashed toward the huge tree and flung Bonnie, light as dandelion fluff, out of the reach of the barbed branches already plummeting toward her. As he threw her, a branch caught Damon through his chest, pinning him to the ground. Stefan saw the moment of shock in his brother's eyes before they rolled backward. A single drop of blood ran from his mouth down his chin. â€Å"Damon, open your eyes!† Elena was screaming. There was a rough tone in her voice, an agony Stefan had never heard from her before. Her hands jerked at Damon's shoulders, as if she wanted to shake him hard, and Stefan pulled her away. â€Å"He can't, Elena, he can't,† he said, half sobbing. Couldn't she see that Damon was dying? The branch had stopped his heart and the tree's poison was spreading through his veins and arteries. He was gone. Stefan had gently lowered Damon's head to the ground. He would let his brother go. But Elena wouldn't. Turning to take her in his arms and comfort her, Stefan saw that she had forgotten him. Her eyes were closed and her lips were moving soundlessly. All her muscles were taut, straining toward Damon, and Stefan realized with a dull shock that she and Damon were connected still, that a last conversation was being carried on along some private frequency that excluded him. Her face was wet with tears, and she suddenly fumbled for her knife and with one swift, sure movement, nicked her own jugular vein, starting blood flowing across her neck. â€Å"Drink, Damon,† she said in a desperate, prayerlike voice, prying his mouth open with her hands and angling her neck above it. The smell of Elena's blood was rich and tangy, making Stefan's canines itch with desire even in his horror at her carelessness in cutting her own throat. Damon did not drink. The blood ran out of his mouth and down his neck, soaking his shirt and pooling on his black leather jacket. Elena sobbed and threw herself on top of Damon, kissing his cold lips, her eyes clenched shut. Stefan could tell she was still in communion with Damon's spirit, a telepathic exchange of love and secrets private between them, the two people he loved most. The only people he loved. A cold tendril of envy, the feeling of being the outsider looking in, the one who was left all alone, curled along Stefan's spine even as tears of grief ran down his face. A phone rang, and Stefan snapped back to the present. Elena glanced at her cel and then answered, â€Å"Hi, Aunt Judith.† She paused. â€Å"At the boardinghouse with everybody. We picked up Alaric and his friend from the train.† Another pause and she grimaced. â€Å"I'm sorry, I forgot. Yes, I wil . In just a few minutes, al right? Okay. Bye.† She hung up and got to her feet. â€Å"Apparently at some point I promised Aunt Judith I would be home for dinner tonight. Robert's getting out the fondue set and Margaret wants me to show her how to dip bread in cheese.† She rol ed her eyes, but Stefan wasn't fooled. He could see how delighted Elena was to have her baby sister idolizing her again. Elena went on, frowning, â€Å"I'm not sure I'l be able to get out again tonight, but someone needs to be with Meredith at al times. Can you stay here tonight, Meredith, instead of at home?† Meredith nodded slowly, her long legs drawn up under her on the couch. She looked tired and apprehensive, despite her earlier bravado. Elena touched her hand in farewel , and Meredith smiled at her. â€Å"I'm sure your minions wil take good care of me, Queen Elena,† she said lightly. â€Å"I'd expect nothing less,† Elena answered in the same tone, turning her smile on the rest of the room. Stefan got to his feet. â€Å"I'l walk you home,† he said. Matt rose, too. â€Å"I can drive you,† he offered, and Stefan was surprised to find that he had to suppress the urge to shove Matt back into his seat. Stefan would take care of Elena. She was his responsibility. â€Å"No, stay here, both of you,† Elena said firmly. â€Å"It's only a few blocks, and it's stil broad daylight out. You look after Meredith.† Stefan settled back in his chair, eyeing Matt. With a wave, Elena was gone, and Stefan stretched out his senses to fol ow her as far as he could, pushing his Power to sense whether anything dangerous, anything at al , lurked nearby. His Powers weren't strong enough, though, to reach al the way to Elena's house. He curled his hands into tight, frustrated fists. He had been so much more powerful when he al owed himself to drink human blood. Meredith was watching him, gray eyes sympathetic. â€Å"She'l be okay,† she said. â€Å"You can't watch her al the time.† But I can try, thought Stefan. When Elena strol ed up her walk, Caleb was clipping the glossy green leaves of the flowering camel ia bushes in front of the house. â€Å"Hi,† she said, surprised. â€Å"Have you been here al day?† He stopped trimming and wiped the sweat off his forehead. With his blond hair and healthy tan, he looked like a California surfer transplanted to a Virginia lawn. Elena thought Caleb seemed just right on a perfect summer day like this one, a lawn mower humming in the distance somewhere, the sky blue and high above them. â€Å"Sure,† he said cheerful y. â€Å"Lots to do. It looks good, right?† â€Å"It real y does,† she said. And it did. The grass was mowed, the hedges were perfectly trimmed, and he had set out some daisies in the flower beds near the house. â€Å"What've you been up to today?† Caleb asked. â€Å"Nothing as energetic as this,† Elena said, suppressing the memory of the desperate race to save Celia. â€Å"My friends and I just picked someone up at the train station and hung out inside for the rest of the day. I hope the weather holds, though. We want to take a picnic up to Hot Springs tomorrow.† â€Å"Sounds like fun,† Caleb said agreeably. Elena was tempted for a moment to invite him along. Despite Stefan's reservations, he seemed like a nice guy, and he probably didn't know many people in town. Maybe Bonnie would hit it off with him. He was pretty cute, after al . And Bonnie hadn't real y been interested in anyone for a while. Anyone other than Damon, a secret little voice said in the back of her mind. But of course she couldn't invite Caleb. What was she thinking? She and her friends couldn't have outsiders around while they talked about what supernatural entity had it in for them now. A little pang of longing hit her. Would she ever be a girl who could have a picnic and swim and flirt and be able to talk to anyone she liked, because she had no dark secrets to conceal? â€Å"Aren't you exhausted?† she asked, quickly changing the subject. She thought she saw a flicker of disappointment in his eyes. Had he realized she was thinking of inviting him along on the picnic and then changed her mind? But he answered readily enough. â€Å"Oh, your aunt ran me out a couple of glasses of lemonade, and I had a sandwich with your sister at lunchtime.† He grinned. â€Å"She's a cutie. And an excel ent conversationalist. She told me al about tigers.† â€Å"She talked to you?† Elena said with surprise. â€Å"She's usual y real y shy around new people. She wouldn't talk to my boyfriend, Stefan, until he'd been around for months.† â€Å"Oh, wel ,† he said, and shrugged. â€Å"Once I showed her a couple of magic tricks, she was so fascinated she forgot to be shy. She's going to be a master magician by the time she starts first grade. She's a natural.† â€Å"Real y?† said Elena. She felt a sharp shift in her stomach, a sense of loss. She had missed so much of her little sister's life. She'd noticed at breakfast that she looked and sounded older. It was like Margaret had grown into a different person without her. Elena gave herself a mental shake: She needed to stop being such a whiner. She was unbelievably lucky just to be here now. â€Å"Oh, yeah,† he said. â€Å"Look, I taught her this.† He held out a tanned fist, turned it over, and opened his hand to reveal a camel ia blossom, waxy and white, closed his hand, then opened it again to reveal a tightly furled bud. â€Å"Wow,† said Elena, intrigued. â€Å"Do it again.† She watched intently as he opened and closed his hand several times, revealing flower then bud, flower then bud. â€Å"I showed Margaret how to do it with coins, switching between a quarter and a penny,† he said, â€Å"but it's the same principle.† â€Å"I've seen tricks like that before,† she said, â€Å"but I can't figure out where you're hiding the one that isn't showing. How do you do it?† â€Å"Magic, of course,† he said, smiling, and opened his hand to let the camel ia blossom fal at Elena's feet. â€Å"Do you believe in magic?† she said, looking up into his warm blue eyes. He was flirting with her, she knew – guys always flirted with Elena if she let them. â€Å"Wel , I ought to,† he said softly. â€Å"I'm from New Orleans, you know, the home of voodoo.† â€Å"Voodoo?† she said, a cold shiver going down her spine. Caleb laughed. â€Å"I'm just playing with you,† he said. â€Å"Voodoo. Jeez, what a load of crap.† â€Å"Oh, right. Total y,† Elena said, forcing a giggle. â€Å"One time, though,† Caleb continued, â€Å"back before my parents died, Tyler was visiting, and the two of us went to the French Quarter to get our fortunes told by this old voudon priestess.† â€Å"Your parents died?† Elena asked, surprised. Caleb lowered his head for a moment, and Elena reached out to touch him, her hand lingering on his. â€Å"Mine did, too,† she said. Caleb was very stil . â€Å"I know,† he said. Their eyes met, and Elena winced in sympathy. There was such pain in Caleb's warm blue eyes when she looked for it, despite his easy smile. â€Å"It was years ago,† he said softly. â€Å"I stil miss them sometimes, though, you know.† She squeezed his hand. â€Å"I know,† she said quietly. Then Caleb smiled and shook his head a little, and the moment between them was over. â€Å"This was before that, though,† he said. â€Å"We were maybe twelve years old when Tyler visited.† Caleb's slight Southern accent got stronger as he went on, his tone lazy and rich. â€Å"I didn't believe in that stuff back then, either, and I don't think Tyler did, but we thought it might be kind of fun. You know how it's fun to scare yourself a little sometimes.† He paused. â€Å"It was pretty creepy, actual y. She had al these black candles burning and weird charms everywhere, stuff made of bones and hair. She threw some powder on the floor around us and looked at the different patterns. She told Tyler she saw a big change coming for him and that he needed to think careful y before he put himself in someone else's power.† Elena flinched involuntarily. A big change had certainly come for Tyler, and he had put himself in the vampire Klaus's power. Wherever Tyler was now, things hadn't turned out the way he'd planned. â€Å"And what did she tel you?† she asked. â€Å"Nothing much, real y,† he answered. â€Å"Mostly just to be good. Stay out of trouble, look out for my family. That kind of thing. Stuff I try to do. My aunt and uncle need me here now, with Tyler missing.† He looked down at her again, shrugged, and smiled. â€Å"Like I said, though, it was mostly just a load of crap. Magic and al that nutty stuff.† â€Å"Yeah,† Elena said hol owly. â€Å"Al that nutty stuff.† The sun went behind a cloud and Elena shivered once more. Caleb moved closer to her. â€Å"Are you cold?† he said, and reached a hand out toward her shoulder. At that moment a raucous caw burst from the trees by the house, and a big black crow flew toward them, low and fast. Caleb dropped his hand and ducked, covering his face, but the crow angled up at the last minute, flapping furiously, and soared away over their heads. â€Å"Did you see that?† Caleb cried. â€Å"It almost hit us.† â€Å"I did,† Elena answered, watching as the graceful winged silhouette disappeared into the sky. â€Å"I did.†

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Government and School essays School choice will improve education in America. Public schools are grossly inefficient, and are not educating many of America's youths adequately. Schools that are run independent from local government bureaucracy provide better education at lower cost. School choice would allow more students to attend better schools. School choice is a potent educational reform that is far more effective than increased spending. The fears of opponents of school choice are factually unfounded. School choice is necessary to improve American education. Through allowing more parental choice in education, school choice forces education into a free market environment. As it is now, parents send children to the nearest school, assigned to them by the school district. If a family is wealthy enough and chooses to do so, parents can send children to private schools. However, this family then pays twice for one education. They still pay their taxes, and they pay the tuition for the private school. Under a sch ool choice plan, any parent who decides to send their child to a private school will receive a scholarship from the government, redeemable for tuition at scholarship accepting private schools. The scholarship dollar amount is far below that of the average cost per student per year at public schools, but would allow millions of parents who cannot presently afford private tuition to do so. If a school performed poorly, parents would choose to remove their children, and then send to them to better schools. If a school began losing all its students, and therefore all its funding, the school would desire to improve. Under the current system, government schools get your money whether they are doing a good job or not. Milton Friedman was one of the first people to propose a school choice plan. Since he did so over a quarter century ago, support has expanded rapidly. However, few plans for school choice have actually been enacted. The city of Milwaukee enacte...

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