Personal Budget Balance Sheet free essay sample

Therefore, being a good steward over your finances should be consistent and begin at an early age and progress as you age. This will provide an effective growth pattern to allow future financial security.  The purpose of this memorandum is to evaluate my client’s financial outlook, their personal budget, balance sheet, and cash flow statement and provide recommendations for improvement of their financial situation. My client, Chauncey Latham is 51 years old and a police officer. He is married and has one dependent. Kyle Latham, Chauncey’s wife is 47 years old and is currently not working. Prior to her unemployment, Kyle annual earnings were $96,000 a year. They live is a nice 4-bedroom house, in a great community with a sought after school district. The family has a comfortable looking life, though their financial outlook is pretty grim. Together Chauncey and Kyle earn $85,000 a year, which includes Chauncey’s off duty work and Kyle’s unemployment benefit. We will write a custom essay sample on Personal Budget Balance Sheet or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page Their life savings have dwindled down the emergency fund is very low, and their credit card debt is high. The balance sheets show my clients assets and liabilities and verify their net worth. Any property including jewelry or saleable items is considered assets and can produce income. The asset value should have a fair market value, which means the amount of money they would have today if sold. This will allow them to have the proper foundation to establish strong financial understanding, develop strong money management skills that will pave the way long time financial security. Hence, I will determine their monthly income and show expenses to determine where modifications need to take place. IncomeActual Amt. PercentageProj Amount Salary $7,083 $7,083 Expenses Mortgage $1,400 $1,400 Property Tax $250 $250 Car Loan Payment $565 3% $548 Student Loan $485 4% $465 CC Payment $600 10% $540 House/Car/Life Ins $250 $250 Power $200 2% Water $70 $70 Telephone $265 10% $239 Gas/Transportation $400 $400 Food $800 10% $720 Clothing $100 50% $50 Med Exp. $150 $150 Entertainment $100 50% $50 Gift/Donation $300 30% $210 Saving/Emergency $500 $1,000 Savings Goal $300 $600 Based on the data, there is room for financial improvement. I would advise my clients to request lower interest rates on both their credit cards and car loan, and request student loan consolidation. Also, reducing the power usage in the home, change telephone plans to something more cost effective, and attempt to use coupons for grocery shopping when at all possible. Lastly reduce any spending on gifts, entertainment, and clothing would help in improving the overall financial outlook. If the plan is followed, the Lathams, would be able to increase the money deposited into the saving goal and emergency saving accounts. After a while, the money could be used to reduce the other debt. Having a personal budget is the blueprint for managing and spending finances. Use of the personal budget, gives you control over timely bill paying, monthly expenses, and provide an overall financial picture, so you know where you are each month.  Utilizing a budget will allow better forecasting in long-term financial needs, which will help in better long-term savings, student loans can be paid sooner, and liquid cash can be readily available when needed. A personal budget is key in improving financial health.

How To Become a Straight-A Student Without Struggling Too Much

How To Become a Straight-A Student Without Struggling Too Much How to become a straight-A student? How to effectively manage time and succeed in studying without being chained to a library? A lot of students ask these questions. However, not many of them actually manage to not only find answers but also transfer knowledge from theory to practice. High grades open many doors and provide great opportunities. Getting straight As is all about hard work, discipline, and perseverance. But there are some lifehacks that will help you to improve your studying process on your way to higher grades. Check out the best tips on how to score high while studying and maintain your social life we gathered for you. Manage Your Time The most effective way to start getting higher scores is organizing your studying process. Scheduling your time may seem tough at first, but it will definitely pay off. The first thing you need to understand is that quality matters more than quantity. Thats why being focused while studying is the key to save time and get better results. Set up a rule to turn off your TV, phone and exclude any other distracting factors when studying. Seems too boring? Maybe. But you will notice, that time you spend on one assignment will be drastically reduced because of this simple but effective practice. The Pareto Principle Youve probably heard about â€Å"80/20† rule or the Pareto principle. It states that 80% of effects come from 20% of causes. How can you use this rule in your time management? Basically, keep focused and devoted while studying instead of distracting on entertainments. Studying without distractions for one hour equals 3 hours of studying with side activities. It will increase your productivity during studying time and help you reach better results while spending less time. Get Organized with Online Tools There are a bunch of online tools and applications for organizing your studying process in high school or college. For example, there are many apps which allow you to use online schedules and notes, folders, journals, and stickers. It seems like an unnecessary waste of money, but they actually help. Design your own sorting system that will be suitable and convenient to use. Keep all your lecture notes in one folder and all of your assignments in another folder. Keep track of the due dates and mark them in your calendar – digital or daily planner. This way, you will be able to see the amount of work and deadlines which will help you to manage your time. Check your planner every day and make notes if needed. Setting goals or mini tasks for a day and check daily accomplishments in the evening is also a powerful tactic. Tips from a real straight-A student: Dont forget to set reminders at your desktop for the most urgent tasks. This way, you can focus on the assignments with upcoming deadlines and effectively manage your time. Form a Group to Study Together One of the most typical study techniques is studying in a group. Facing difficulties while doing your homework is not a rare thing. Thats why its great to have someone who can explain you something you havent caught in class. Solving occurred troubles is much easier when you have someone to hold your back. Studying in a group is very helpful for unorganized students. It helps to: overcome laziness boost motivation get good grades get in the right mood for a study session Gather your classmates for doing homework together. You can meet at someones home or a cafà ©, online chat or video call. The best ideas usually reveal in discussions. Take into consideration: Studying in groups is not for anyone. You should try this method to make your own opinion about it. Some students feel their productivity decreases in a group, and its easier for them to focus when theyre alone. Find out if you are one of them. Dont Let Studying Stress You Out Many students face this common trouble – stress. It causes health problems and makes studying even harder. If you want to succeed and become the top of the class, its essential not to let stress manage your life. Coping with anxiety is not the easiest thing to do, especially during the end of semester and finals. Thats why we prepared some tips for reducing stress while studying or taking exams. Alternate Studying and Rest Common and still ignored advice is having an 8-hour sleep. Its crucial for your body and brain to have rest after a productive day and intense mental work. Many students prefer to party and sleep from 4 to 5 hours, which leads to poor productivity, reduced focus, and sleepiness. Moreover, it also leads to weakening of the immune system, and one feels sick all the time. This isnt the best way to become a top student, right? Have a good rest and let your brain rest too. The relaxation techniques you should try are: yoga and meditation massage listening to calming music aromatherapy As long as you keep your body healthy and your brain clear and sharp– you can succeed and focus on your studying. Stop Procrastinating Do you tend to postpone writing an essay or exam preparation? This makes things even it worse. Being in a rush because of upcoming deadlines causes much more stress and anxiety. Thats why keeping your assignments piling up is not the best decision. Solution: Try to complete one small task every day and break large assignments into small pieces and complete them one-by-one. You will see how profitable it is to understand that you have a lot of time ahead till your due date and half-done work already. Plan beforehand and track all of your incomplete tasks to make sure you dont miss any critical date or assignment. After you adopt these study habits, you will see that stress goes away. 3 Ps You might have heard about Cal Newport and his blog with brilliant tips for better studying. He successfully wrote book series about his career and student life, which you can deservedly add to your motivational books list. One of his brilliant tips is the 3 P approach which you should use when feeling like your brain took a vacation during quizzes and exams. It helps to keep away from anxiety and includes three steps: Planning Proceeding Proofreading Planning The first thing you do when you receive your tasks is flipping through them. Make a quick plan of answering order, starting with easier questions. Plan your time and make quick notes of the key points of your answers. Proceeding The next step is proceeding answering questions starting with the easiest ones. This way, you will reduce the pressure and manage your time wisely, leaving enough time to think on other subjects. It also helps to clear your head and find the right answer. Proofreading The last step is proofreading, and it takes about ten minutes. Correct any mistakes and attentively reread your answers. Wrapping Up Sleep well, manage your time and keep your head up. Dont forget that high grades are not the main thing in your life. Keeping a balance in your life is essential. Consider that knowledge you get is much more important than your grades. Dont sacrifice your social communication and health in order to get straight As.

A Property of the Clan Essay

Page 28, Jared confesses to Ricko that he had witnessed the raping of Tracy that night at Black Rock. But Jared had not said anything to anyone as those who committed the felony, were in fact his friends. Jared tells Ricko â€Å"It’s a madhouse. Davo and them running round saying don’t be a dobber, and then the posters on telegraph poles. Shame Black Rock Shame. † This cleary portrays peer pressure as he feels as though he needs to refrain from telling the truth, to not be labelled a snitch. And he is put under more pressure considering the fact that they are his friends, and he believes that he cannot go against them, even if it is the right thing to do. After Jared tells Ricko what he had saw, Ricko gets defensive and tells Jared to keep his mouth shut. â€Å"Forget you even saw it. Nobody knows you were there. It’s just the way things happen. †. Jared respons with â€Å"All right! † This represents peer pressure as Jared is put on the spot and being hassled not to tell anyone what he had seen. Jared’s response with â€Å"All right! † shows him giving into peer pressure and is listening to what they are telling him to do. Powerlessness is shown in this scene by the main character Jared, as he is the vitim in the situation. This is shown mainly with the use of language techniques. For instance, page 31, â€Å"Not a word. Not a name. Not a single fucking name. Get it? † says Ricko. The use of slang and cursive lauguage by Ricko portrays aggressiveness toward Jared, putting Jared in a powerless state as he listens and just goes with it, not saying one word. Also, this use of launguage portrays Ricko’s assertivness and puts Jared in a state where he cannot do anything about it, and that he has to listen to him. He is powerless in the situation. My poster promotes peer pressure through visual techniques such as juxaposition. This is evident as in the background, the people are positioned close together as a group, to show isolation and power over the main image of the girl. Also the use of colour is simple but eye-catching as it creates the focal point (girl) due to the contrast in colour (black and white). This layout portrays how in the play, Jared is left to decide for himself, whether he should do the right thing, or stick by his peers. Peer pressure also plays a huge role in the film â€Å"Thirteen†. Tracy (7th grader) becomes friends with the most popular girl in school, Evie, and is introduced to drugs, alcohol and sex. But Peer pressure was first and most evident when Tracy first hung out with Evie at a popular clothing store. Tracy shockingly witnesses Evie and her friend stealing clothing and accessories but steps outside the store as she knew it was wrong, and was laughed at and looked down by them. She had a moment to herself and thought about what had just happened. Ironically, a woman then sat next to her, and put her purse down. Tracy had a thought to herself. And only moments later, reunites with Evie, showing the wallet she had stolen and all the money that was inside. Evie’s attitude toward Tracy was flipped and was then happily welcomed by her. This shows a form of peer power as Tracy is felt unwelcomed and as if she weren’t fitting in, leading her to feel pressured into stealing aswell. Both power and powerlessness is shown by the main character Tracy in this scene. Powerlessness is shown through the technique juxtaposition, as Evie and her friend are always positioned close together, where as Tracy is always by herself ; portraying power over Tracy. But at the end of this scene, when Tracy decided to steal the purse, she was welcomed by Evie and the use of up-beat music showed power as they walked happily together; ending the scene. Again, my poster promotes the theme of peer pressure through visual techniques such as colour. The colour of the people in the background are coloured in a shade of black, to contrast with the main image of the person in the foreground, to represent isolation and power over her. Also, the gestures made by the main image, (e. g. er stance and facials) show the feel of uneasiness in the situation, as she is under pressure by her peers. This contrasting image reflects how in the film, Tracy felt powerless and also uneasy about the situation she was in, but eventually gave in due to her peers. To conclude, peer pressure is clearly present in both the related texts â€Å"A Porperty of the Clan† and the film† thirteen†. Peer pressure is an inevitable part of life, which everyone will eve tually encounter; And these both these texts show the consequences of such. A Property of the Clan Essay Page 28, Jared confesses to Ricko that he had witnessed the raping of Tracy that night at Black Rock. But Jared had not said anything to anyone as those who committed the felony, were in fact his friends. Jared tells Ricko â€Å"It’s a madhouse. Davo and them running round saying don’t be a dobber, and then the posters on telegraph poles. Shame Black Rock Shame. † This cleary portrays peer pressure as he feels as though he needs to refrain from telling the truth, to not be labelled a snitch. And he is put under more pressure considering the fact that they are his friends, and he believes that he cannot go against them, even if it is the right thing to do. After Jared tells Ricko what he had saw, Ricko gets defensive and tells Jared to keep his mouth shut. â€Å"Forget you even saw it. Nobody knows you were there. It’s just the way things happen. †. Jared respons with â€Å"All right! † This represents peer pressure as Jared is put on the spot and being hassled not to tell anyone what he had seen. Jared’s response with â€Å"All right! † shows him giving into peer pressure and is listening to what they are telling him to do. Powerlessness is shown in this scene by the main character Jared, as he is the vitim in the situation. This is shown mainly with the use of language techniques. For instance, page 31, â€Å"Not a word. Not a name. Not a single fucking name. Get it? † says Ricko. The use of slang and cursive lauguage by Ricko portrays aggressiveness toward Jared, putting Jared in a powerless state as he listens and just goes with it, not saying one word. Also, this use of launguage portrays Ricko’s assertivness and puts Jared in a state where he cannot do anything about it, and that he has to listen to him. He is powerless in the situation. My poster promotes peer pressure through visual techniques such as juxaposition. This is evident as in the background, the people are positioned close together as a group, to show isolation and power over the main image of the girl. Also the use of colour is simple but eye-catching as it creates the focal point (girl) due to the contrast in colour (black and white). This layout portrays how in the play, Jared is left to decide for himself, whether he should do the right thing, or stick by his peers. Peer pressure also plays a huge role in the film â€Å"Thirteen†. Tracy (7th grader) becomes friends with the most popular girl in school, Evie, and is introduced to drugs, alcohol and sex. But Peer pressure was first and most evident when Tracy first hung out with Evie at a popular clothing store. Tracy shockingly witnesses Evie and her friend stealing clothing and accessories but steps outside the store as she knew it was wrong, and was laughed at and looked down by them. She had a moment to herself and thought about what had just happened. Ironically, a woman then sat next to her, and put her purse down. Tracy had a thought to herself. And only moments later, reunites with Evie, showing the wallet she had stolen and all the money that was inside. Evie’s attitude toward Tracy was flipped and was then happily welcomed by her. This shows a form of peer power as Tracy is felt unwelcomed and as if she weren’t fitting in, leading her to feel pressured into stealing aswell. Both power and powerlessness is shown by the main character Tracy in this scene. Powerlessness is shown through the technique juxtaposition, as Evie and her friend are always positioned close together, where as Tracy is always by herself ; portraying power over Tracy. But at the end of this scene, when Tracy decided to steal the purse, she was welcomed by Evie and the use of up-beat music showed power as they walked happily together; ending the scene. Again, my poster promotes the theme of peer pressure through visual techniques such as colour. The colour of the people in the background are coloured in a shade of black, to contrast with the main image of the person in the foreground, to represent isolation and power over her. Also, the gestures made by the main image, (e. g. er stance and facials) show the feel of uneasiness in the situation, as she is under pressure by her peers. This contrasting image reflects how in the film, Tracy felt powerless and also uneasy about the situation she was in, but eventually gave in due to her peers. To conclude, peer pressure is clearly present in both the related texts â€Å"A Porperty of the Clan† and the film† thirteen†. Peer pressure is an inevitable part of life, which everyone will eve tually encounter; And these both these texts show the consequences of such.

Research report Paper Example | Topics and Well Written Essays - 4000 words

Report - Research Paper Example strategy plan for a Spanish based engineering company, which would aid it in entering into new business markets and likewise expand business (DPCDSB, 2015). The company is a renowned engineering company of Spain, which is operating in excess of 40 years. The company is highly experienced in electrical installations, industrial building, cooling, ventilating and heating. Moreover, the company is also engaged in producing fire fighting equipments, piping of chemicals and various liquid products, petroleum storage products as well as various types of foundations and structures. The company possesses an in-depth knowledge and experiences about various industrial sectors including oil, chemicals, food and beverage, plastic transformation, ceramic and iron and steel industries. In order to operate in the competing environment, it becomes necessary for the company to acquire detailed information regarding the market that would help in ensuring long-term sustainability and most vitally acquiring a better scope of market expansion opportunity. Since it is an engineering company, it has been able to acquire various technical as well as regulatory aspects of engineering that are of high demand in Spain. However, the company deals in various areas that include: The mission of the company is to acquire leadership position in the management as well as development of infrastructure along with other services. Apart from this, the company intends to create value for the stakeholders and at the same time focus on making greater level of sustainable development (Enterprise Canada Network, 2015). However, the vision of the company is to overcome various challenges of making sustainable development in the business activities in order to provide a better life for the present and future generation people (Enterprise Canada Network, 2015). The primary organizational goal of the company is to provide premium quality services to the customers through an effective customer support that

Relationship Between Project Life Cycle and Product System Life Cycle Essay

Relationship Between Project Life Cycle and Product System Life Cycle - Essay Example Due to the uniqueness of each industry, the demarcation of the phases may vary accordingly and sometime the divisions between the phases may often overlap. A product maybe defined as an entity offered in the form of goods or services. A product life cycle evolves through different phases similar to a project. The spiral model best describes the product life cycle, which is the most generic model of all. Special product life cycles are considered to be derivatives of this basic model. The key feature of the spiral model is in its risk management. It focuses on low risk strategies, early detection of errors and design flaws and the closely aligns itself with the evolution and growth cycle of the product. A product life cycle is often triggered by a need or opportunity, which leads to the conception, manufacturing, production and deployment of a tangible or intangible asset. This is then supported or maintained, upgraded as required and retired when obsolete. Although on the surface, a project life cycle and a product life cycle seem similar, in reality each phase of the product life cycle is a project by itself. Each phase of the product derives its input from the end result of the executed project.

Analysis of Assumptions Essay Example for Free

Analysis of Assumptions Essay Marta Russell, writer for Z Magazine, outlines the invisibility of the disability issue in the academic and activist debate in discrimination as a whole. Russell extensively uses secondary sources to make her article more grounded in theory and previous academic work. In this way, the slant of bias is not apparent, as she does not write this as an opinion piece and seeks to inform her audience for two reasons. Russell, is calling for social justice of the disabled and, also, is contributing to the body of work already compiled on this issue. In her call for action, she does use loaded language to engage readers, her choice for a title, alludes to this before a reader can even begin studying her work. The article, â€Å"The Social Movement Left Out†, was written in August, 2002 and suggests that the disabled are unseen in circles of academics and activists and that this is a huge problem. Russell goes into the history of the label of disability to give perspective on the issue. The concept of inferiority is rooted in the late 19th century social creation of normality. The normal was used as a means of measuring, categorizing, and managing populations. It informed hegemony, ranking order by the directive of the constructed norm. In turn, normality established the universal, unequivocal good and right from which social, economic, and political rights were granted rights being a means in liberal democratic societies of mitigating oppression (2002). In looking at the history of disability and its categorization, the implications of such movements, as the eugenics movement in both the United States and Germany and the absence of any movements inclusive to persons with disabilities is alarming. Russell believes that the issue of disability has always been a part of other types of discrimination and its absence of acceptance in Feminist and other field of inquiry is mistaken. Her justification of this conclusion is that women and other minorities were discriminated against, because of some sort of inferior status, just as persons with disabilities are today. The initial reasons that were legalized before legislation was passed giving these groups more rights to participate in the workplace, voting, and other important aspects of social life was that women and other minorities were mentally deficient. In this way, they were viewed as less intelligent than white men, until this idea was shattered and laws made to protect these groups, this was the prevailing idea. It makes sense then, Russell reveals, to make disability and all the discrimination involved with it, a part of other activists’ agendas. Russell outlines the historic legislation made exclusively for persons with disabilities in the late 1970’s and early 1980’s. These laws were helpful in assisting persons with disabilities in getting and keeping work and having legal recourse for any discrimination made in his or her career. It should be noted that persons with psychological impairments are not separated from persons with physical impairments. There is a limit to this analysis for that reason. Persons with mental illnesses have undergone a huge step in integrating with larger society, as efforts to reduce stigma on the part of researchers and psychologists have been successful in the past two decades or more. The separation of the two types of disability (physical and psychological) is notable, but not noted in this article. It should be part of the debate why physical disability has not seen visible improvement, in terms of public acceptance, as has mental illness. One of the most interesting aspects of this essay is the fact that other social movements involving discrimination all possessed more of a collective sense of political and economic barriers that made these causes more urgent. In contrast, Russell believes that disability is viewed more as a personal problem that does not have an overarching capitalist agenda and is up to each person to finds ways to cope with their limitations. While gender and race can all be viewed as mechanisms to limit the number of workers to the minimum, disability should fit, as well. But, since disability is pervasive in all races, genders. socio-economic classes, etc it is viewed quite differently. In fact, Russell tips to the school of thought that points to capitalism as the culprit in discrimination of those with disabilities. Radical disability theorists have posed that under capitalism impairment is socialized as a specific form of oppression disability. The defining feature of capitalism, commodity relations, has been a primary force behind the economic impoverishment of impaired persons. The material relation is primary and the ideology of superiority/inferiority serves the function of maintenance and perpetuation of this social relation (2002). In conclusion, discrimination of persons with disabilities is lacking in inclusion with other academic and activists efforts to put issues of discrimination under one umbrella. Russell manages to use extensive literature review and a call to action for people to realize this rift between minorities. Her essay is impressive in both form, tone, and content. The only missing factors in this puzzling debate is the other rift between persons with mental versus persons with physical disabilities. Once this is acknowledged and scholars and students see the uniform umbrella that is overarching all stereotypes and bars to decent living by minorities, only then can real progress and a real missing movement be visible for the disabled. Reference: Russell, Marta. (October 31st, 2002). â€Å"The Social Movement Left Out† in Z Magazine. Available online http://www. zmag. org/sustainers/content/2002-08/31russell. cfm. Last accessed April 1st, 2008.

Persevering Literature Essay -- essays research papers

The novel Sense and Sensibility was truly a masterpiece. Written by Jane Austen this ironic love story has captured the heart of readers for years. The popularity of Austen as a novelist can now be experienced through film. This book has been adapted into various screenplays, including one by Emma Thompson. Another version of the film was done by the BBC. Perhaps it is the manner in which it was filmed, the character choices or other aspects of the films that make them so different. Though they are based upon the same novel it is to be sure that the Emma Thompson version will preserve Austen’s talent in the world of film. The Emma Thompson version can be well spoken of in that its greatest strength is its ability to preserve and communicate the subtleties of women's life two centuries ago, of human feelings, of passion and reserve, and of wit and irony which are so essential in Austen's books. The movie is, therefore, a rather profound piece of work, which shows a great deal of devotion to it on the part of those involved in its making. Every detail (scenery, costumes, period "accessories", etc.) is carefully considered and is an integral part of the whole, so one watching it really has the feeling of being carried back to the turn of the 18th and 19th centuries. Though the earlier version done by the BBC is much longer and truer to the novel it is with great pains. The acting is rather stiff as is the di...

Bartelby & story

The narrator tries all the way through the story to truly empathize with Bartleby, but he never digs too deep because he is concerned about saving himself. He thinks that doing good deeds for Bartleby will look good for him as well. The narrator, however, sticks with Bartleby longer than most of us would.Bartleby is frustratingly honest about life. He is throroughly unexcited about life in general, and the narrator is maybe a little afraid that he is too much like Bartleby. However, he is an eminently â€Å"safe† man who has made peace with the modern world by working for rich clients but has no inner passion.2. Turkey, Nippers and Ginger Nut are oddly named characters. Turkey and Nippers are named for the volatility of their character and are in themselves caricatures. Turkey gets drunk in the afternoon and becomes enraged at the slightest thing thereafter; in other words, he acts like a real turkey. Nippers is irritable and angry in the morning when he might â€Å"nip† someone. As the day goes on, he is able to get some work done. The two of them together do the work of one man. Ginger Nut is so named because he brings the office Ginger Nut cakes.Their nicknames tell the reader that they are unreliable in assessing Bartleby, since someone could assume by their actions that they are crazy too. These characters also serve to show what the boss already puts up with. 3. Bartleby might want his story told in order to emphasize the futility of the world. He loses two jobs due to some sort of administrative change, and the world does not provide an environment for him that he can become excited about. The tone of his last statement, â€Å"Ah, Bartleby! Ah, humanity!† is a final sigh in the life of someone who has given up completely. Bartleby has not helped anyone, including himself. He may want to warn us of the emptiness of striving to make a living and the bleakness of the business world. He may also want to show us in a more realistic way wh at becomes of the nonconformist in society. It is wonderful for all of us to think about not being â€Å"part of the crowd,† but the reality is very different. Not being one of the crowd makes for a long and lonely existence. Works Cited Melville, Herman, Bartle

SIDS: A Traumatic and Tragic Disease

SIDS (Sudden Infant Death Syndrome) is a traumatic and tragic disease that affects thousands of babies throughout the world every year. There is no way of explaining the death of a child that has SIDS and there are no real ways of predicting if it could happen to any baby. What makes SIDS even worse is that the source of what exactly may be the cause of it is still unknown. Advanced research in the last 30 years has dramatically reduced the number of deaths. SIDS not only affects the infants but also the families of the infant and it proves to be a very tough and emotional experience for them. So what exactly is SIDS? The term SIDS was finally defined in 1969 as the sudden death of an infant or child, which is unexpected by history and in which a through post-mortem examination fails to demonstrate an adequate cause of death (Culbertson 3). Basically this is another way of saying that it is not known why these babies die. SIDS is not a new disease contrary to what some people might believe, but it has been happening throughout time, unexplained deaths of babies are even recorded in the bible. SIDS was probably the most neglected disease ever recorded in history of man. It wasn†t until recently that major steps were taken to figure out why babies were dying so unexpectedly and what could we do to prevent it from happening. So what exactly causes SIDS and is there anything we can do to prevent it? Well as of right now, the cause of SIDS is unknown. We do not know what causes SIDS and there are no consistent warning signs that might alert us to the risk of it. However, scientists and researchers have discovered many things that might attribute to the causes of SIDS. SIDS almost always occurs at night when the infant is sleeping. A higher incidence of SIDS is seen among premature and low birth weight children. Women who smoke and let their children be exposed to smoke give their children a higher risk of SIDS. Low birth rates among children have a higher chance of getting SIDS. Finally there is a much higher rate of SIDS when infants are placed on their stomach to sleep. (Culbertson, 8-10) One of the biggest recommendations physicians make to new parents today is to let their babies sleep on their back. Putting them on their back greatly decreases the risk of SIDS to their children. These are just some of the things that have been THEORIZED by scientists and researchers that are possibilities that could be attributing factors to SIDS. But of course these are all theories that have been developed by researchers by statistics. Statistics is one of the greatest tools we have today to help us learn about the characteristics of SIDS. Since we don†t know what it is, seeing how it works and what things we can do to help slow it down are obviously good. Throughout history, before SIDS was defined, the accepted explanation was that either the baby choked on itself or was rolled on by the parents during sleep. Possibly an accepted answer due to the lack of knowledge in the past but know we know that most of the time they were wrong. Since there is no cure for SIDS, scientists and researchers have been studying new ways of possibly preventing it from happening to infants. New nursing techniques developed over the last 30 years have actually dramatically reduced the number of infant deaths caused by SIDS. But still we must not forget the fact we still don†t know what causes SIDS itself. That is what makes this so terrible, that researchers have all these techniques to help prevent SIDS but we still don†t know what we are preventing. Death by SIDS leaves a traumatic and terrible effect left on the parents and family members. A SIDS death usually promotes intense emotional reactions among surviving family members. After the initial shock and disbelief, parents often fall into a prolonged depression usually of self-denial about if they killed their baby. This depression can affect their sleeping, eating, ability to concentrate, and general energy level. (Culbertson 190-193) Crying, weeping, incessant talking, and strong feelings of guilt or anger are all normal reactions. Many parents experience unreasonable fears that they or someone in their family is in danger. Over protection of surviving children and fears for future children is a common reaction. As the finality of the child†s death becomes a reality for the parents, recovery finally occurs. Birthdays, holidays, anniversaries often trigger painful memories of the loss (Culbertson, 186-188). Children can also be affected by the loss. Many children may develop a fear that they themselves might die. In many cases children will also feel guilty about the death feeling that possibly it was their fault. However, children may deny being upset and try to hide their emotions which is a reason why most parents have to talk with their children and assure them it is not going to happen to them. (Culbertson,190-193) One of the true bright spots about the fight against SIDS is that in the last 20 years, deaths caused by SIDS have dropped dramatically in the United States and the rest of the world. Currently the average in the world among SIDS deaths is between 0. 5-3. 0 deaths per thousand (Culbertson,11). When comparing to that when it was first studied at about an average of 15-20 deaths per thousand(Bergman,10-11), a major improvement has been seen. However, though it isn†t that high of a number, it still accounts for 20 percent of all deaths between the ages of one month and one year and 95 percent of that between 2 months and 4 months. Guntheroth,70-73). It is important to point out that most all statistics of SIDS come from developed countries, countries that have the money to perform autopsies on infants. We can only assume that in undeveloped countries, which have a very high infant mortality rate to begin with, the presence of SIDS is there and probably have a much higher rate than in developed countries because throughout the world, SIDS rates are very constant with one another wherever studies have and can be conducted. SIDS ranks only second to injuries as the greatest cause of death to children who are less than 15 years of age and it takes more lives than leukemia, heart disease, cystic fibrosis, and muscular dystrophy in that age period. ( Bergman, xi). So in conclusion to all of this, there still is very little information on what exactly causes SIDS. Unlike other diseases, which we know the cause of, SIDS is the one that we don†t have any knowledge on what the source is that causes it. One of the most important statements but disheartening is that SIDS is a â€Å"disease of theories†(Bergman, 12). Everything we know, all the information that is produced and published is all just a theory because we don†t even know what happened and what caused the death. So where do we go from here? What can be done to stop this terrible disease? Who knows. All we can do is sit back and hope someone†s â€Å"theory† is the right one and be thankful that this disease only affects 1-3 infants per thousand born. There are so many questions but not nearly enough answers and until that day we can only do what the experts tell us to do and hopefully the SIDS disease will almost become non-existent.

Thomas Jefferson Quotations

Thomas Jefferson Quotations Thomas Jefferson was the third president of the United States. He was very important as one of the founding fathers of the United States. He wrote the Declaration of Independence. As president, his greatest achievement was the Louisiana Purchase which more than doubled the size of the US. He created numerous writings including his famous letters to political rival John Adams in his later years. Following are some quotes that shed light on Jeffersons beliefs. Thomas Jefferson Quotes But every difference of opinion is not a difference of principle. We have been called by different names brethren of the same principle. We are all Republicans, we are all Federalists. Nature intended me for the tranquil pursuits of science, by rendering them my supreme delight. But the enormities of the times in which I have lived have forced me to take a part in resisting them, and to commit myself on the boisterous ocean of political passions. The tree of liberty must be refreshed from time to time with the blood of patriots and tyrants. When a man assumes a public trust, he should consider himself as public property. A bill of rights is what the people are entitled to against every government on earth, general or particular; and what no just government should refuse, or rest on inference. I view great cities as pestilential to the morals, the health, and the liberties of man. I know that the acquisition of Louisiana has been disapproved by some ... that the enlargement of our territory would endanger its union... The larger our association the less will it be shaken by local passions; and in any view is it not better that the opposite bank of the Mississippi should be settled by our own brethren and children than by strangers of another family? A little rebellion now and then is a good thing... The natural progress of things is for liberty to yield and government to gain ground. Its soul, its climate, its equality, liberty, laws, people, and manners. My god! how little do my countrymen know what precious blessings they are in possession of, and which no other people on earth enjoy!

Cervical Cancer (HPV Induced) Research Paper Example | Topics and Well Written Essays - 1250 words

Cervical Cancer (HPV Induced) - Research Paper Example Various types of cancers exist, depending on where cancerous tumors develop at. However, detection of all types of cancers is done though presence of visible signs and symptoms, medical imaging, and screening tests. Cervical cancer, for instance, is among the common type of cancer in women (Smith et al., 2012). Several cancer centers are currently researching on effective control measures, easy diagnostic procedures, and suitable management procedures for cervical cancer. This paper explores some aspects of cervical cancer. General Overview of Cervical Cancer Cervix is the lower portion of a woman’s uterus. Cervix connects the uterus with the vagina. Cervical cancer occurs when there is abnormal growth in the cervix cells and/or invasion by other tissues or organs. Like other cancers, cervical cancer is curable if detected and immediate and appropriate treatment is administered. As a key feature, cervical cancers slowly progress from a normal cervical tissue to cancerous tissu e changes. This slow progression is utilized by gynecologists, who detect the disease and give treatment at an early stage. Even though this early detection and administration of proper treatment has significantly lowered down prevalence of cervical cancer, a considerable portion of women still die of the disease every year. According to Smith et al. (2012), gynecologists are still challenged by invasive nature of the disease. As defined by Gadducci et al (2011), an invasive cancer means that the disease affects deeper cervix tissues and spread to other body parts. This kind of spread is defined by Walboomers et al. (1999) as metastasis. Causes of Cervical Cancer Several types of cervical cancers are caused by infection with human papillomavirus (HPV). Different strains of HPV exist and each strain has different effect in the body. Apart from causing precancerous growths in the cervix, HPV also causes various types of skin warts and other abnormal body surface and skin disorders. Be ing a cause of genital warts, HPV makes sexual contact a window through which cervical cancer is transmitted. The risk of infection is higher for women with multiple sex partners. At initial stages, HPV causes cervical lesions which slowly progress to cancer. Walboomers et al. (1999), however, observes that HPV infections, in some cases, do not lead to cancer. According to Walboomers et al. (1999), HPV causes cervical cancer if an individual is persistently infected with a particular type of HPV. Based on the claim, HPVs are classified according to cancer risks associated with each type. Three types of HPVs, thus, exist, which are high-risk, moderately-risk, and low-risk. Infection by high-risk HPVs, therefore, causes immediately cancerous tumors in epithelial cells of cervix. Cigarette smoking is another risk factor for occurrence of cervical cancer. Chemicals in a cigarette react with cervical cells causing precancerous modifications on the cells. These changes slowly progresses t o cancer. Oral contraceptives, especially pills, increase chances of development of cancer of the cervix. The risk is pronounced in women who use pills for a long period. Just like the effect of tobacco, oral contraceptives react with cervical cells forming precancerous tumors. Other risk factors include: stress and stress-related disorders, multiple pregnancies, Chlamydia infection, dietary factors, family history, and weak immunity. Signs and Symptoms Sign and symptoms

Corporate finance Essay Example | Topics and Well Written Essays - 2000 words - 4

Corporate finance - Essay Example Breakavia is a newly formed country. The country has been formed recently by splitting from earlier communist states. The newly formed government of this country has recognised that there are many advantages in developing a democratic country and forming capital principles to regulate the country. Government also identified that the country has enough natural resources like oil and mineral reserves and therefore, it can functions as an independent state depending upon these huge natural resources sufficient for sustainable development of the country. As a newly developed country, the government thinks to invite the European multinational companies to enter to this market and use the natural resources which lead to overall development of the country in terms of many areas like economic development and employment and many more. For this purpose, the finance department of the country has decided to develop a standard tax regime and banking systems which will provide low cost finance for commercial and domestic housing development opportunity for developing tourism industry in the country. The government is also aiming to setting up Stock Exchange in Heeritis, the capital of this newly formed country. Therefore, to develop corporate sectors consists of domestic as well as foreign companies; the government is seeking corporate financial advice regarding development of a standardised corporate reporting for regulating businesses sector in the country. For this purpose, the finance minister of this country needs advice regarding two important areas of corporate finance. First, advice for standardised corporate reporting development by adopting any existing international standardised financial reporting. Second is importance of corporate governance in business and as an important part of annual corporate report the companies. International Accounting Standard