Consumer credit Assignment Example | Topics and Well Written Essays - 250 words

Consumer credit - Assignment Exampleen busy at work, he has not had time to carefully survey his monthly statements, but is spending the weekend catching up on paying bills and organizing his desk. He is particularly interested in how much he slake owes the credit card company.He reviews the statement and discovers there is a page missing the one with the unpaid quietus. He cornerstone see that his beginning balance for bump into (March 1 through March 31) was $800 and that he paid $280 on March 12, charged purchases of $150 on March 5, $100 on March 20, and $50 on March 30. heather mixture remembers that the Annual Percentage Rate (APR) on the credit card is 16% of the unpaid balance and interest is charged using the average daily balance method, including current purchases.d. Answer Average daily balance is calculated by including the outstanding balance, new purchases and deducting payments and credits on each day in the billing cycle, we need to divide by number of days i n the billing cycle.From the authors point of view, the phoebe bird factors are named as Satisfying needs in case of insufficient income, Convenience in case of cashless case, Socialization and modernization, Easiness and recourse in comparison with carrying cash and Shopping via telephone and inter-net. (Okan Veli afakli, 2007).Credit cards can be a convenient means of payment, a useful brute for learning financial responsibility, a resource in case of emergencies, a means to establishing a good credit history and a way to catch greater access to credit in the future. If credit cards are mismanaged or misused, however, the disadvantages can result in severe financial consequences. (Louisiana State University, 2003).Ling has used the credit card wisely. He made the payment on time and as it is a revolving credit, it is good to charge the card and simultaneously get to payments. This can have good impact on the credit history. It is a good practice to keep the balance less than the credit limit and this can

A Doll's House by Henrik Iben Essay Example | Topics and Well Written Essays - 1500 words

A Dolls House by Henrik Iben - Essay ExampleMost of Henrik Ibsens plays revolve around the struggling of people for an authentic identity element for themselves. The backdrop of this struggle is a tyrannical society in which man-to-mans struggle between their duty towards themselves and towards their families and society in general. One such cleaning woman is our wizard Nora who represents such women who be repressed by society. Noras husband is Torvald Helmer, who is a rather controlling type of individual and treats her as one and only(a) of his responsibilities and he is the one that portrays her identity. Most women in those days were not educated and so were easily relegated into a corner and never came break to voice their opinion. In this deductive essay, we are going to make an investigation on the theme of identity and how it was reflected in ancient society. Women in the 19th century were expected to be the typical assort subservient housewife, but one would be surp rised at the turn of events in Henrik Ibsens play. Nora Helmer, who is the chief protagonist of this play, has all the characteristics of this stereotype woman, who does not throw an identity of her own and hence is depicted as an oppressed individual who possesses an inauthentic identity because of the societal demands of those times. In the beginning Nora is seen responding to her husbands dun and does not seem to kick about her doll- like existence and with no identity to call her own. In great contrast to Nora, we have the contemporary woman of today with a world of difference in their attitudes and reactions to such a situation. Modern women in our present society has her own identity because she has made herself so strong, powerful and full of confidence in all that she does. However, as the play progresses we find Nora shedding some of her inauthentic identity by playing a more specific role in the family. The author highlights various facets of her intelligent and courag eous nature which is far from the silly girl her husband made her out to be. One such incident that was highlighted was the loan she had taken to preserve her husbands health after forging her fathers signature, which proved that she was sooner intelligent and possessed qualities that were beyond mere wifehood. However, Nora was quite inexperienced in many ways and did not understand the ways of the world, because she always lived under the care of her father and later on her husband. This statement is very clear when she tells her husband Torvald in no uncertain terms that, Ive been your wife-doll here, just as at central office I was Papas doll-child.(1608) However, as the play progresses, we find a great change taking place as Nora emerges as a strong and self-assured individual who refuses to be a doll any longer and rejects the false union of marriage and the burden of motherhood. This image of Nora identifies with the image of todays strong and confident women, who like to l ive life according to their own terms and not remain a scapegoat to be targeted at all times. The changing shape of Nora, is further augmented when she connects once again with her childhood friend Mrs. Linde who suffers the loss of her mother and husband. Mrs. Linde was a very down to earth person whose life was a big struggle due to poverty. Her adherence to the norms of society provides a perfect foil to the impetuous nature of Nora. Linde is a perfect foil to Noras sparkly exuberance in addition to her feminist ideas which explode towards the end of the play. Mrs. Linde is an archetype of the woman of those days, whose qualities Michael Meyer has described as stuffy Victorianisms. Kristine Linde is in fact a sharp contrast to

Character biography Assignment Example | Topics and Well Written Essays - 500 words

Character biography - Assignment ExampleShe thinks that she is like the sunflower, which is always sunny and optimistic. During Marys commencement day at school, she missed her mother so much that she decided to ditch, but her teacher found her along the way and took her back to the school. She cried when she was not allowed to go pedestal, and Mary seldom cried. To pique her interest, the teacher gave her a painting book, which she loved dearest. Mary had her takeoff boosters at school. There were three of them who were close. Jack, Mary, and Karlo were inseparable. Jack and Karlo would always fetch her from home and they would go to the movies together. Mary and Jack had a knack for romantic comedies, and Karlo would tag along and critique everything. One day, their friend Karlo did not go to school. During recess, they were called by the jumper cable to tell them that their friend had been through an accident. He needed new organs, and there were no donors yet. After three day s, the two wept together when they found out that their friend had not survived. This was the second time that Mary had been broken. She was so sad that she did not eat most of the time. They would always visit Karlos grave and talk to him when they were sad. She was already in high school when her father was promoted as the editor-in-chief. They moved to a bigger house, one with a bigger garden.

Personal Response on Sexuality Identity Term Paper

Personal Response on Sexuality Identity - terminal figure Paper ExampleSo, it is in truth clear that the people from these different geographical areas will have totally different notions more or less land up. I too, being a product of the western society had a broad outlook to the highest degree energize from the very beginning, though this course has, I think, made me think more(prenominal) critically in sexual decisions. Social factors that have a bearing on my sexuality According to the western, especially American concept of sexuality that prevails among the youth, sex is more of a recreational activity that does not have any connection with morality. It is a male dominated society where the ability to lure as many women as possible is considered a way to prove ones maleness. For females, the credibility lies in the ability to hook a man to ones armpits. The role of media cannot be denied in this social situation. According to reports, 8 out of 10 prime-time shows in Ameri ca have sexual content thus making sex a very common thing among the youth, having no emotional or ethical value (Dykeman, Duncan, Irvin, King, n. d.). The resistant view of the society I live in about sex is evident from the result of a survey. As per the survey, nearly 90% Americans believe that boys and girls will not wait until marriage to have sex and only about 17% people were against oral sex and even they had serious doubts about the achievability of their expectations (NPR/Kaiser/Kennedy School Poll, n.d.). Thus, I found sex as a immunity to be enjoyed since adolescence, though I had little discussion with my parents about sex. Despite the liberal attitude towards sex, I would admit, it seems difficult to have open discussions with parents. In fact, my ideas about sex are all collected from friends and the media. I think it is the social freedom we people enjoy that makes sex very possible everywhere. I get it on there are countries where people seldom go to clubs, or ar e strictly under the supervision of the parents. However, being the product of an industrialized society, my parents never induct a lot of pressure on me to reveal where I am going and who I am meeting. I think it is common for the youth in my country to have this freedom and as a result I had a well defined sexuality since the very beginning of my adolescence which was highly liberal in nature. Even when I got married, I would admit, I did not think that marriage was in no way going to affect my sexual relations. My perceptions on sex and the role of critical thinking Frankly speaking, I never thought of the role of ethics in sex. Though at times I read here and there about the issues associated with plurality in sex and the advantages of having a single sex partner, it seemed a rather impossible proposition in the society I live in, especially because of the lack of emotional attachment the sexual partners posses to each other. In the society I live in, there has been a gradual d eviation from the traditional concept of sex as associated with marriage. Being in a society where sex is in no way connected to wedlock and childbirth, and hence not binding, I, like any other young person in the country, prefer to view sex as a sensible need the result of hormonal changes that needs to be quenched irrespective of marital status. In fact, I had adequate k promptlyledge about STD from media but in my own case, I was not so serious about the diseases. The attitude, like any other youngster of my age, was this wont happen to me, but now I think I am about to change. Though I live in a society that allows sex with

Experimental economics Essay Example | Topics and Well Written Essays - 500 words

Experimental economics - Essay ExampleLoss aversion states that the disadvantage in losing an object is considered great than the advantage of acquiring an object. The research paper explores the relation between talent affect and status quo bias with loss aversion. Findings of the Article The researchers conducted various studies to establish the endowment act. An experiment on a certain group of people involved endowment of either lottery tickets or money. It was found in the study that zero would willingly part with the lottery ticket for money. It was believed that in a market setting, the discrepancies between the Willingness to Pay (WTP) and Willingness to Acquire (WTA) would reduce. A series of experiments were conducted to understand the endowment affect. The beginning experiment revealed that the market clearing hurt coincided with the point of intersection of induced demand and supply curves and dealing costs were low. Since the income effects are insignificant and tran saction cost is low thus when market clearing occurs objects are owned by people who value it the most. The volume of trade was low due to the price reservation of the buyers and sellers and was attributed to the lack of willingness on the part of the owner to part with his belonging. Indifference curves are reversible and they do not intersect. In the presence of loss aversion, the reversibility invention is not applicable. The primary affect of endowment does not lie in increasing the attraction towards the goods one owns. Rather, it enhances the pain in giving up the good.

Kodak and Digital Revolution Essay Example for Free

Kodak and Digital Revolution EssayIn 1976 Kodak controlled 90% of the film foodstuff and 85% of camera sales in the United States. By 1992 the share of film market decreased by 5%. In 1991 they launched the first professional digital camera. In 1998 they spent $1. 2 billion to two joint ventures with the Chinese government and by 1999 became number two in digital cameras in the United States with a 27% market share.In 2001it launched Where it alone clicks theme to stimulate digital imaginativeness and in 2002 launched the first mass-market product for digital film processing. By 2003 they controlled most photofinishing transaction in the United States with 15% unprofitable digital camera market. Digital resourcefulness was a disruptive technology that was emerging in early 80s and Kodak got blind sighted by its extreme focus on existing customers and their needs.They followed a customer focus dodging instead of taking digital imaging as a disruptive innovation. Their focus w as to provide products that its existing clients want in a cost effective manner. Kodaks strategy for digital imaging has been way off and its first digital product, the Photo CD which was a failure. It couldnt leverage upon worlds first electronic image sensing element that they launched earlier that was widely used by computer industry worldwide. They used all strategies to the disposal but its timing was way off.They used Radical to additive innovation an example is their digital photography compared to Sonys Then their strategy shifted from convergence of digital and film based imaging to selling hardware such(prenominal) as digital cameras and printers by alliancing with computer and electronic industry. This strategy also failed as competition was too fierce by 1995 and profit margins shrunk. Then strategy was changed to picture business and network consumables with at least 50% market share.These strategies were based to the changing market needs and competition especially from Fuji films Kodak is a showcase for failing to innovate they missed the digital revolution because they were focused on protecting its core business, traditional photographic film. The reality is different, though. Kodak was in event one of the first companies to have worked on digital imaging its not that they were ignoring the digital revolution Today, Kodak is still leading digital imaging, as the phoner holds many patents in this field that are used in products such as HP printers.The painful Kodak factory closures that one can see like a shot are nothing but the price to pay to transition from one era to the other, from the era when Kodak was a chemist to an era when it is a software company. For all its mistakes, Kodak is doing what few companies have been able to do. Lessons Learned No doubt, Kodak was victim of the innovators dilemma. The most immediate takeaway from the fall of Kodak is clear Dont be horror-struck to cannibalize your own business in the name of prog ress. But Kodaks inability to make any of its products stand out over the last decennium is demonstrative of an overall reluctance to innovate.

American medical care Essay Example for Free

American medical care EssayThese early immigrants survived the harsh times and difficult American climate as well as the state of nature on primitive canonical instincts. The early settlements were often ravaged by starvation and disease.During the colonial era, doctors education was informal. Most were literate, but near who were raised out of doors of New England were not. A man who wanted to practice medicine did not need any type of certification. Most did have a period of apprenticeship with an found physician, but as yet this was not a requirement. Up until the ripe 19th century, very few doctors had a college education.Medical facilities were unofficial. Most patients were treated in their homes. However, even the smallest towns had poorhouses, where needy people could live and receive limited medical care.The few hospitals that opened in North America during the colonial period were opened in places like Quebec and New Orleans. Public health was unknown in North America at this time. Towns and cities did not have boards of health except during times of epidemics. Because about places did not have public water or sewer systems, most Americans got their water from pumps and used outhouses until well into the 19th century. There was no trash solicitation so the streets became a breeding ground for all types of disease.There were a few attempts to influence public health. For example, when smallpox vaccinations were developed in the 18th century, some(prenominal) small town doctors had groups of people that had to stay quarantined for a few days to make sure they only developed a mild font of smallpox.Cures may have killed more people than the diseases themselves. The public developed a very skeptical attitude towards regular doctors. In the early 19th century, the do it yourself attitude of many Americans was popular. These people freely gave medical advice, emphasized the participant of the patient in his or her own treatment. However, ot her medical treatments were available also. plausibly snake oil is best remembered.Andrew Taylor Still started the practice of osteopathy. Osteopathy incorporated bodily manipulations, similar to those seen in modern chiropractics. In osteopathy, these manipulations affected the magnetic flow of cleverness in the body. Osteopathy discouraged use of medicines, but did not forbid them.Another reaction against heroic medicine was homeopathy. A university-trained German doctor named Samuel Hahnemann started it. Heinemann said that doctors were bad their patients too much medicine. He believed that tiny amounts of drugs should be diluted in water before being given to a patient and that practitioners should take very thorough medical histories of each patient. sensationalism was a way to fool people into believing they were being cured while making money from them. Quackery had even been licensed in London, but it was completely ignored by the America government for hundreds of years. Hydropathy was another special case. The healing power of water, hydrotherapy indicated the value of the rest cure, importance of having like-minded people around, the usefulness of light exercise and the fact that women who wore loose-fitting clothing generally felt better and had few physical complaints than the ones who did.Another special case is the entire issue of faith-only healing. While empirical evidence in favor of faith-only healing is lacking, anecdotal evidence suggests that some people who pray do experience spontaneous decrease of certain diseases.The late 19th century saw major changes in medicine in the United States. Medicine went from being medieval to incorporating many elements of modern science. The advances in chemistry, and biology had major impacts on medicine. As medical practitioners began to understand that the body was comprised of basic chemicals and not mysterious humors, effective treatments for diseases and injuries were developed.As medicine beca me more scientific, doctors needed both training andlicensing. In 1847, Dr. Nathan Davis founded the American Medical Association (AMA) in Philadelphia to avail create professional standards for doctors and set minimal educational requirements.Medical colleges opened up across the country, increasing requirements from a few months without any college background to a number of years with a college degree. However, these colleges provided an extremely unpredictable level of medical education, with some of them a diploma and others provided a to notch medical education.As American cities exploded in size during the 19th century due to immigration from Europe, public health became more of an issue. With many hundreds of thousands of people living in cities extremely crowded, unsanitary conditions tuberculosis was often at epidemic levels in the cities.During the 19th century, people understood that TB was not caused by miasma, but was caused by bacteria. population with TB were somet imes sent out of the city to places in the country, where the cleaner air seemed to help their recovery.It was obvious that people needed clean water for drinking, and bathing. So cities started massive sewer projects to help bring clean water into the cities while removing wastewater from the city. Dead animal remains and garbage littered the street until the late 1800s when cities started sanitation crews to take the trash out of town and dumps to move the waste to. Many cities started dispensaries so the poor could receive treatment and medications for low cost.With the urban population explosion, the poorhouses (probably todays HMO Urgent Care) became even larger and harder to manage. With new medical advances, people needed to be in big cities to receive certain types of treatment.Americans began to course hospitals across the country in the 19th century.The new hospitals were generally cleaner than the old poorhouses.