Polyphonic Hmi Mixing Math and Music free essay sample

Clients: Establishing the objective market is the focal point of the case. There are various roads they can wander down. The key is to make sense of which will be produce deals all the more rapidly and end up being the most useful to the organization. Polyphonic alternatives are to market to the record names, makers, or the unsigned craftsmen. Colleagues: Polyphonic first thought was to advertise their innovation of the HAS to retailers. The retailers would have stations in their stores so individuals can rate melodies. The issue was that they couldn't discover a product organization to work with.Competition: There are no different types of innovation that anticipate the achievement of tunes in the music business. The current technique utilized is makers hunches. Setting: The music business is quickly evolving. New hits and duds are discharged ordinary. In the event that record organizations can all the more likely foresee the achievements of tunes, they could spare a great deal Decision Area Polyphonic has a few choices to make before getting this undertaking off the ground. We will compose a custom paper test on Polyphonic Hmi: Mixing Math and Music or on the other hand any comparative subject explicitly for you Don't WasteYour Time Recruit WRITER Just 13.90/page The main choice that must be made is who to target Hit Song Science toward. Polyphonic can either target HAS toward record marks, makers, or to unsigned specialists. After that choice is made, we have to think of a reasonable market plan. We have to make sense of how HAS ought to be situated, what cost ought to be charged, and how Polyphonic should move toward the selling procedure. Distinguishing proof and Evaluation of Alternatives The choices the supervisory crew of, Barcelona-based, Polyphonic HIM were confronted with were who was their best objective market and what was an appropriate promoting plan to best position their new innovation, Hit Song Science (HAS).Their choices are the accompanying: . To seek after record names by offering help with choosing whether to showcase a collection, in choosing which melody to discharge first, and in testing new specialists searching for a record bargain . 2. To seek after makers by offering an opportunity to test tunes or collections at some phase during the creation procedure and change them to augment beneficiary hit potential. 3. To seek after unsigned craftsmen by offering the capacity to check the hit melody capability of their tunes and in this way see if they had a taken shots at making it in the industry.In the main alternative HAS would be situated towards basically setting aside record names cash. With the innovation of HAS record names would have the option to assess a collections deals potential before really going through the cash to showcase the collection. They would likewise have the option to rank melodies in a collection for the reasons for discharging the most ideal single. This would diminish passionate Judgments, consequently permit record abeles to have greater limited time spending plans without the dangers of disappointment. What's more, record names would likewise be able to test an unsigned specialists potential preceding contribution them a record deal.In the subsequent choice HAS would be centered around introducing itself as adding worth and diminishing strain to make and regulate a fruitful collection. HAS would build hit melody validity which would decrease the weights of introducing a hit tune to a record name. The innovation would likewise give makers the capacity to assess a melody earlier and additionally during an account meeting which would diminish recording time and cash. In the third choice HAS would be situated to improve the probability of being marked by a record name. HAS would enable craftsmen to assess their demo recording before accommodation to a record label.Pros and Cons with seeking after record names Failure dangers related with discharging another collection would be diminished ; Stress/dangers related with the choice of choosing which tune to discharge as a solitary would be decreased ; Assistance in the assessment of advertising spending plans for a solitary/collection ; Ability to testing specialists potential preceding record bargains Cons Possible collection hits could be not entirely obvious contending makers Increases validity Ability to assess a melody earlier/during recording meetings Cons May ruin conceivable innovative advancements in the business Pros and Cons with seeking after unsigned specialists Secure hit potential in their demo accounts Cons Not monetarily upheld by a record name Recommended Course of Action Based on data taken from Exhibits 6 and 8 from the contextual investigation, Hit Song Science should showcase its item and administrations to record names endeavoring to get a bigger portion of the market. The elitist demeanor of officials at organizations likeUniversal (current market pioneer) would make this item very hard to sell. These officials are encountering a lot of achievement in their industry and have a mentality of in the event that it against broke, dont fix it, while additionally investing wholeheartedly in their individual expertise at perceiving hits and busts the same. Base occupants in the business will be progressively able to attempt to hold more piece of the pie through flighty techniques. The incredible thing about this market is that the purported base tenants comprise of Just about each organization other than Universal. Universals North American piece of the overall industry is designate to the point that MI, BMW, Sony, Warner, and the Independents are predominated in comparison.This leaves enormous market for Hit Song Sciences administrations. Given Hit Song Sciences accomplishment with craftsmen, for example, Nora Jones and Maroon 5, there is a solid pitch t o provide for organization officials that intrigue to something beyond their urgency to achieve a greater amount of the business piece of the overall industry. Hit Song Science has name acknowledgment. Display 8 shows how our innovation accurately determined which melodies had hit potential and which would be busts. When taking the most noteworthy and least appraised tracks on the collection and contrasting them with real market execution, our ululations were dead on. Hit Song Science has made a capricious wellspring of serious advantage.This innovation has the chance to reform the business by either reaffirming gut senses of the top personalities in the business, or by allowing those top personalities the chance to reconsider their emotions on a craftsmen bit of Nor. Over the long haul, this could spare an organization millions in the creation and advancement of melodies that will never make it as hits. With innovation like HAS they can take out a portion of the danger of discharging a melody that isn't a hit and won't make it to he Top 40. (See Table A) Product/Place iris sort of innovation isn't the run of the mill admission that one would discover in a retail foundation. As suppliers for this item/administration, we should be viewed as consultants.Our item will be accessible legitimately from us, the inventive personalities behind the innovation. Cost facilitated on fixed costs coming to $500,000 and variable expenses being generally $300 per melody is suitable. This cost will take into consideration a sensible brittle unit and dollar sum and still be estimated path beneath other exploration techniques that are at present utilized by record marks. Being that we are offering a moderately new and obscure item/administration, we comprehend that it might be a stretch to accept that record organizations will dole out a lot of capital on innovation that they know almost no about. To help with this, we may recommend utilizing either a free preliminary utilization, or a basic limited cost, in particular if vital. Advancement Our item is a speculation, easy. A record official or recording craftsman will pay cash for the slight possibility that this gives them the edge when endeavoring to offer something new to people in general and in doing as such, get more refits. Being a speculation, it ought to be advanced and conveyed as needs be. It Not be simply the innovation that is advanced, be that as it may, the organization which will be sold as pioneers to the notorious Promised Land for specialists. The organization ought to be advanced inside the business. There is actually no market outside of it. Attempts to seal the deal ought to be directed by innovation sales rep with an immense information on the internal Mornings of our item. Lastly, the organization picture ought to radiate achievement. Many will consider utilizing to be as an admission of disappointment. We need to offer it as a promise to progress. Generally speaking Evaluation An interest in the item that Hit Song Science has created is an extraordinary thought. En feel the most basic issue with manage would be that the music executives don't have any requirement for innovative help for a blessing they clearly as of now have. Rationale reveals to us that no one has consistently been directly about a choice theyve made around here. There is opportunity to get better, and in the event that it renders an upper hand, why not give it a shot; particularly in the event that you can receive a free preliminary use in return.

What Are the Best Kinds of Samples of Reflective Essay Writing?

What Are the Best Kinds of Samples of Reflective Essay Writing?When you need to write samples of reflective essay writing, there are several good options available for you. However, you need to know that there is some difference between the kinds of samples that you can choose from.The first category is an actual reflective essay. As the name suggests, it looks at something in a reflective way. The idea is to examine a situation from the perspective of the reflective thinker, and relate the outcome to your own situation.This kind of sample requires a little bit of skill to write well. Since it is written in a reflective way, the writer must be careful to explain in clear and simple language exactly what went on in the situation. At the same time, the writer must be careful not to ramble on too much and to leave out crucial details that might provide the reader with a false picture.Another option is a non-reflective version of a reflective essay. This type is meant to look at a proble m with a less intellectual or academic viewpoint. In this case, the words are more often taken out of a person's everyday language.One advantage of using a non-reflective sample of reflective writing is that it is easier to relate to than a reflective one. However, this is not to say that a non-reflective essay cannot be very interesting. The key is to make sure that the reader understands exactly what is going on, as much as possible.A third category of samples of reflective essay writing is a rough draft. For writers who are just getting started in the writing world, this is usually the best way to learn how to craft a more polished paper. In this case, the writer will be able to see how a rough draft should be written.While the three basic categories of samples of reflective essay writing mentioned above are most common, they are not the only ones available. There are also two other categories that are less common. These are examples of structured-but-not-reflective essay writing , and a sample of testimonial or affirmation essay writing.These are the last three categories of samples of reflective essay writing. Since each has its own purpose, the type of essay you write and the techniques you use will differ. In any case, however, the essay samples that you choose should reflect your personal style and ability to communicate clearly.

The Five Best Methods for Taking Notes in College

The Five Best Methods for Taking Notes in College One of the keys to success in college is effective note-taking. Taking quality notes will help you to manage large amounts of complex material. The idea is to summarize what youve learned using your own words. When you focus on key concepts and condense them, it will help you to remember them more effectively. It makes studying and reviewing material a less difficult task. This is key to success on your exams. The type of technique you choose will depend on the course you are taking and your learning style. This guide will take you through how to use some of the most popular and effective methods of note taking.1. The Outline MethodThe outline method is probably the most popular method used by students. This method is perhaps the best when it comes to summarizing the main points of a lecture. The method works best in classes that follow a logical structure. It helps you to structure complex material and reduce it down to the main points. As the name suggests, you use an outline struc ture to list the main topics and subtopics. First, write down the main ideas or topics on the far left of the page. Next, indent and write down a subtopic related to the main topic. Underneath the sub-topic you may want to list any supporting facts or details. Here are a few tips for using this method:Write down the most important points as main topics.List subordinate or sub-topics underneath them after indenting.Make sure to include any relevant details or facts after your sub-topics.Use this method when you have a class with a logical structure. If your professor doesnt use the lecture method or structure, you might want to consider a different method.This method is effective because it reduces complex material to key concepts. It is not as effective in classes that make use of graphs, charts or complex statistics such as math course.Here is an example of how to structure your notes using this method:Outline MethodWrite down your main topic.List your sub-topic related to the main topic.Include any relevant details or facts supporting the topic.2. Concept MappingConcept mapping, also known as mind-mapping, is an effective way of taking notes in classes with interrelated concepts. It is also useful for helping you to go more in-depth about a particular topic. Subjects such as Science, History, or Philosophy are perfect classes for this method. First, begin by drawing a large bubble in the center with the most general topic. Secondly, draw smaller bubbles with other concepts related to this concept. Connect them to the main topic by drawing lines to connect them. Later, you can add other bubbles that add details or further connect the ideas or concepts that you are learning about. Here are some key things to remember when using this method of note-taking:List your main topic in a large bubble in the center of your paper such as Causes of World War 1List the related sub-topics or facts in smaller bubbles connected to the main concept.Later add other small bubbl es with facts that connect the sub-topics if applicable.Use this method when you want to connect concepts and understand how they are interrelated. This would not be effective in classes that demand memorization of large amounts of facts.Use brief descriptions or labels in your bubbles. Do not attempt to write long sentences in your bubbles.Below is an example of the use of this method using a History topic:Concept MappingAn example of Concept Mapping3. The Cornell MethodThe Cornell method has a different layout than many other methods. It involves a large section at the top for the title. In the center is a section for the main notes or concepts divided into two columns. The smaller column on the left is used for questions and key words from the lecture. The larger right column is used for the main notes and key facts. It is best to use abbreviations here to save space. At the bottom is a section for you to summarize what you learned. To summarize information, read what youve writt en and try to rewrite it using your own words. Here are some tips to apply when using this method:This method is effective for most types of lectures.It is a systematic way to summarize material and focus on the main ideas behind the concepts you are learning.It does require some advance planning. Draw your layout before you go into your lecture by hand or using a computer.Place your main topic or title at the top. Reserve the majority of the middle section for the main notes. In the smaller left column, list the keywords or questions. In the larger right column, write down your main notes, using abbreviations when you can. Try and summarize your concepts in the bottom section. If you can put the information in your own words, it will help you to remember it later.Here is an example of the Cornell Method:An example of the Cornell Method4. The Sentence MethodThe sentence method is perhaps the simplest method of taking notes, but it can be effective. When you are taking a course that is fast-paced and involves large amounts of information, this method works best. It involves simply writing down a quick summary sentence for the important facts being covered in a course. This allows you to have pared-down information to just the most important or relevant topics. It doesnt involve any advance planning and can be used for any college class. Here are some things to remember when using this method:Use it to summarize the main facts delivered in a lecture, especially ones that deliver large amounts of information in a fast manner.Every new line should be a separate topic, using headings for the topic if that helps you.This method is great for remembering the main points or facts of a class lecture.It does not require any advance planning to use it.Here is an example of the sentence method:Main topic (listed at the top of the page):A sentence involving relevant details pertaining to the topic.A sentence involving a separate concept/details pertaining to the same topic. A sentence involving a separate concept/details from the first two but related to the same topic.5. The Charting MethodThe charting method is best used to organize more complex material. This would be an effective way to organize statistics or other more detailed information. Set it up similarly to a spreadsheet with specific categories in your columns. This can be done on a computer or can be hand-written. The categories should be comparable and related. It may not be the best way to list information that is hard to categorize. It is also time-consuming, but is highly effective for facts and statistics that need to be memorized. Like the Cornell Method, you will need to draw your columns beforehand or create them using your computer. Keep these tips in mind as you implement this method:Use the charting method to summarize material that requires categorization such as science concepts.Either draw or use your computer to create separate columns before you try and use it.The categorie s that you create should be interrelated. This method is designed specifically to illustrate the interconnectedness of concepts and categories.This is probably not the best method for taking lecture notes. However, it is highly effective when reading textbooks and trying to break down complex material.Below is an example of the charting method using Scientific Classification:An example of the Charting MethodThe method that you use to take notes should depend on the nature of your course and your learning style. If you like to have highly organized summaries of lecture material, the outline method may work best. The outline method works best in classes where material is organized. When you need to learn how concepts are related to one another, the concept mapping method may be most effective. Sometimes, putting key words and concepts together by summarizing them in your own words works best. This involves the use of the Cornell method. If you are taking a class that is fast-paced and involves loads of information, use the sentence method. Use the charting method for courses that require you to use statistics or detailed information.Decide which method works best for you and the course you are taking. Feel free to experiment with different methods to find the right one. Once you do, you will find it easier to digest important information. Effective note-taking leads to effective learning. This will help ensure your success on exams and in your college classes.

20th Century and New World - 830 Words

NUOVOMONDO (Golden Door) by Emanuele Crialese, 2006. Nuovomondomeans â€Å"New wolrd† in Italian, but its English title, Golden Door, has been taken from Emma Lazarus poem about the Statue of Liberty. This is in fact an immigrants’ tale from Sicily to Ellis Island at the turn of the 20th century. In a desolate corner of the Sicilian countryside, a family’s apparently changeless life of hardship and toil is interrupted by tales of the New World and its inhabitants, of the riches of this paradise. Salvatore makes the momentous decision to sell all he has – his land, his home, his livestock – and to take his children and aged mother to a better life across the ocean. As Salvatore embarks on his epic journey, he meets a mysterious English woman,†¦show more content†¦Their romantic joining does not revolve around common language or experience, but emotional desire to begin a life in the â€Å"new world†. She symbolizes the universal want of all immigrants, not just Italians, to step outside of everything and everyone they know in search of a life of opportunity. She is English, has red hair, and has very little in common with Salvatore. However, they understand each other’s dreams perfectly, no words necessary. 5) The language: make comments on the way peasants communicated among each other and with strangers. There is very little dialogue in the film and I think this is done on purpose. However, keeping a faithful use of Sicilian dialect, the viewer develop a closeness to the characters who in their language express their cultural identities. The peasants could easily understand each other because it was their own language, â€Å"an army of its own† as we discussed earlier in the semester. 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This includedRead MoreHuman Progress in the Twentieth Century Despite Two World Wars953 Words   |  4 Pages The world in the 20th century went through the destruction of World War I and World War II and the hazard of a nuclear war in the course of the Cold War and coped to revolutionize themselves with essential developments within their societies. The world, as a whole, has advanced more than it has suffered during the turbulent 20th century because of the advancements of innovations and human right, despite the demolition of the two World Wars. The 20th century inflicted the greatest suffering to theRead MoreTraveling Around the Fashion Trends of Women: 20th - 21st Century1428 Words   |  6 PagesThe word fashion trends mean a change of clothing style. The first fashion capital of the world was Paris, France. The ‘Belle Epoque’ was the very first fashion trend. In the early 20th century, women had a conservative figure to concentrate on their body figure. 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It also played a major role in how music could be heard. These inventions gifted the public with new ways that music could be enjoyed more easily and more often. It also influenced composers to experiment with new genres and styles. One aspect that was provided to the public through inventions and developments in music technology was a major convenience. TheyRead MoreAutomatism In The Rite Of Spring By Viktor Sklovsky1089 Words   |  5 Pagesand Stravinsky, several 20th century authors strived to aestheticize the past using subjectivity. Through subjectivity, these authors have attempted to influence modern readers using their own personal feelings, tastes, or opinions. The technique of subjectivity separates readers from the past, allowing them to observe the world in a new way. Often, subjectivity promotes the adaptation of previously held beliefs, thoughts, or emotions related to the past and our modern world. This paper will examineRead MoreNegative Effects Of Industrialization701 Words   |  3 Pagesthe 20th century many events took place affecting the current situation our world is facing today.   The broad term, industrialization, refers to the development of goods produced by machinery and the dis covery of new energy resources.   Industrialization had many positive and negative effects on the citizens of the world during these two centuries.   The events under industrialization could be said to have fallen victim to the â€Å"snowball effect† and been a cause of the situation that our world is facing

Lobbying and United States - 3946 Words

LOBBYING Introduction Any association of individuals or organizations, usually formally organized on the basis of one or more shared concerns, attempts to influence public policy in its favour. All interest groups share a desire to affect opinion or policy of the policy makers or target group to benefit themselves or their causes. Their goal could be a policy that exclusively benefits group members. They attempt to achieve their goals by lobbying—that is, by attempting to bring pressure to bear on policy makers to gain policy outcomes in their favour. Interest groups are a natural outgrowth of the communities of interest that exist in all societies. Politics and interests are inseparable. The common goals and sources of interest†¦show more content†¦But by far the largest component of this category is government in its many forms. At the national level, government agencies, such as the British Department for Environment, Food and Rural Affairs, lobby on their own behalf to secure fundi ng or to prioritize certain issues; at the regional level, public universities lobby the appropriate government (e.g., provincial governments in Canada and state governments in the United States) for funding or legislation that benefits them; at the local level, school boards may lobby the local government for money for a new school gymnasium or for more funding for educational programs. At the international level, the United Nations may lobby its members to pay their outstanding contributions to the organization or to carry out Security Council resolutions. Although formally organized associations play a predominant role in traditional lobbying efforts, non-associational groups and interests often have an important influence. Such interests lack a formal organization or permanent structure. They include spontaneous protest movements formed in reaction to a particular policy or event and informal groups of citizens and officials of public or private organizations. For example, Frenc h farmers have sometimes held up traffic in Paris to protest government agricultural policy. The role of interest groups in public policy making: pluralistShow MoreRelatedSubsidies And The Lobbying Power Behind The United States1493 Words   |  6 PagesFor many countries, subsidies and the lobbying power behind them can have great effects on governmental policies and direction. By far, though, the agricultural subsidies advocates in the United States and, to a slightly lesser extent, the European Union have profound sway in government policies. Being dubbed the â€Å"breadbasket of the world† gives farmers and their lobbyists in the US immense power to ensure that the government subsidies continue to favor agriculture producers. 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For the end user, the patient, healthcare can be very complex with insurance terminology and high cost deductibles. The healthcare policies that are put into action take years in the making to reach the end user. Over a period of many years, the United States has been trying to provide a form of health insurance for all. In 2008 BarackRead MoreRacism And Racism1326 Words   |  6 Pagesracism have been a major problem in all governments. Inequality is the difference in size, degree, and circumstances. Governments have showed inequality in their economic growth, which also helps them thrive on the poor. Racism is also a benefit to states where the dominant race runs the government. A liberal democracy is a democratic system of government in which individual rights and freedoms are officially recognized and protected, and the exercise of political power is limited by the rule of lawRead MoreShould Congress Place Restrictions on Lobbying? Essay1649 Words   |  7 Pageshave surfaced recently, but one that tends to fly under the radar is lobbying. Lobbying is defined as a group of persons who work or conduct a campaign to influence members of a legislature to vote according to a group’s special interests (â€Å"Lobby†). Although average citizens are not fully aware of the issue, it is q uite contentious in politics. For those who are against it, they believe that restrictions should be placed on lobbying because it distorts democracy. Lobbyists use money and cost-effective

Post Purchase Evaluation Process Free Essays

Post purchase Evaluation Process Carlie Higdon MAN105 March 9, 2013 Professor Dana Adams Consumer post purchase evaluation is generally affected by pre purchase expectations, The consumer usually does some sort of research to compare prices and such before making a big purchase, a house or a car for example. And the evaluation is whether they are happy or not with what they bought. What is cognitive dissonance (mental discord) you may ask? According to (businessdictionary. We will write a custom essay sample on Post Purchase Evaluation Process or any similar topic only for you Order Now com) cognitive dissonance means State of psychological tension arising from incompatibility among a person’s attitudes, behavior, beliefs, and/or knowledge, or when a choice has to be made between equally attractive or repulsive alternatives. It boils down to one of those â€Å"Why did I buy that for? † moments. Commonly known as â€Å"Buyer’s remorse. † Let’s see as a personal experience of me having cognitive dissonance. I guess it would be the spear of the moment impulse buys. You know the stuff they put buy the cash registers in stores. I end up getting a lot of that â€Å"As Seen On TV† things at Walmart. Last thing would have to be the â€Å"Bark Off. † Doesn’t work, the dogs just barked at it. I threw it away. But, I was like I could have used that money for something better that I could have actually used. Two products that can cause cognitive dissonance would be a house or a vehicle. Because if your not happy with your purchase that is two things that are hard to take back and get your money back. Now how can marketers and consumers reduce cognitive dissonance? One word â€Å"COMMUNICATION. † Just by the marketers’ talking to the public they can get a better idea of what the consumer wants and needs. References http://www. businessdictionary. com/definition/cognitive-dissonance. html#ixzz2NCPjUHpu How to cite Post Purchase Evaluation Process, Essay examples

Career as Computer speacialist Essay Example For Students

Career as Computer speacialist Essay Technology in Information Systems. These days, information resources have developed tremendously especially with the latest technology available. One way to manage them is by having a system that used to be called Management Information Systems (MIS). Nowadays, the terminology of Information Technology (IT) is widely used. IT has developed into a popular and a well paying job entering the 21st century. To become an IT professional, one must obtain a good educational background. Early preparation is important in high school. During that time, four years of math is required although more than four years would be better. The types of math classes are both Algebras, Geometry, and Trigonometry. Another important class to have is four years of English. Doing well in this subject is very important because this subject helps build good communication skills. Natural Science classes such as Biology, Chemistry, and Physics are also needed to prepare for an IT career. Another class including foreign language is a subject to consider. The most important foreign language to know is computer language such as COBOL, C++, PASCAL, and BASIC. In addition, high grades are required in those classes. If you have a poor record in high school, attending junior or community college can make up for the bad ones. Those schools also serve as excellent preparatory schools for universities (Bailey 55). Many big colleges offer Management Information Systems as a major. If one chooses that major,MIS can lead into a successful profession as an IT. The type of school does not really matter, as long as they offer an MIS major with a well-planned curriculum.In IT or MIS, the job can be separated into many different classifications.MIS generally falls into four categories: programming, sales, data-base administrator, and Information Center Management (Bailey 155). The more detailed classifications includes Financial MIS, Manufacturing MIS, Marketing MIS, and Human resource MIS. A financial MIS provides financial information to all financial managers within and organization (Reynolds 401).A marketing MIS supports managerial activities in the areas of product development, distribution, pricing decisions, promotional effectiveness, and sales forecasting(Reynolds 413). A human resource MIS, also called the personnel MIS, is concerned with activities related to employees of the organization (Reynolds 418). The annual salary for an IT professional after he or she receives his or her bachelors degree ranges from $35,000 to $45,000 depending on the company and his or her experience. Most IT professionals work in an industrial company rather than a government supervised company. According to Khawaja, Government owned companies are less challenging. Some IT professionals work in companies or organization such as IBM, Compaq, Intel, Microsoft, and Sun Microsystems. All of these companies have a good reputation in the IT market. If being an IT professional does not satisfy someone as a career such as being a network administrator, he or she can change the field of his or her profession. They can change their profession into a programmer, a system analyst, a data-base administrator or other fields that IT provides. Furthermore, he or she can work in the same environment even though they can change their profession into something else. That is Renadi 3 one of the advantages working as an IT expert. In conclusion, the development of information technology has transformed itself into a popular and a well paying job entering the new millennium. Possessing knowledge about computers and technology can be a big benefit. The advantage of that is because in the future, every stored or removed information involves the use of technology. As a matter of fact, the need of IT specialists is very essential to manage information properly so that everyone who needs information has fast, accurate access to it at the time it is needed and in the form in which it is most useful (Green 59). .uff8fe2e96c062a553049416f17f07340 , .uff8fe2e96c062a553049416f17f07340 .postImageUrl , .uff8fe2e96c062a553049416f17f07340 .centered-text-area { min-height: 80px; position: relative; } .uff8fe2e96c062a553049416f17f07340 , .uff8fe2e96c062a553049416f17f07340:hover , .uff8fe2e96c062a553049416f17f07340:visited , .uff8fe2e96c062a553049416f17f07340:active { border:0!important; } .uff8fe2e96c062a553049416f17f07340 .clearfix:after { content: ""; display: table; clear: both; } .uff8fe2e96c062a553049416f17f07340 { display: block; transition: background-color 250ms; webkit-transition: background-color 250ms; width: 100%; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #95A5A6; } .uff8fe2e96c062a553049416f17f07340:active , .uff8fe2e96c062a553049416f17f07340:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #2C3E50; } .uff8fe2e96c062a553049416f17f07340 .centered-text-area { width: 100%; position: relative ; } .uff8fe2e96c062a553049416f17f07340 .ctaText { border-bottom: 0 solid #fff; color: #2980B9; font-size: 16px; font-weight: bold; margin: 0; padding: 0; text-decoration: underline; } .uff8fe2e96c062a553049416f17f07340 .postTitle { color: #FFFFFF; font-size: 16px; font-weight: 600; margin: 0; padding: 0; width: 100%; } .uff8fe2e96c062a553049416f17f07340 .ctaButton { background-color: #7F8C8D!important; color: #2980B9; border: none; border-radius: 3px; box-shadow: none; font-size: 14px; font-weight: bold; line-height: 26px; moz-border-radius: 3px; text-align: center; text-decoration: none; text-shadow: none; width: 80px; min-height: 80px; background: url(https://artscolumbia.org/wp-content/plugins/intelly-related-posts/assets/images/simple-arrow.png)no-repeat; position: absolute; right: 0; top: 0; } .uff8fe2e96c062a553049416f17f07340:hover .ctaButton { background-color: #34495E!important; } .uff8fe2e96c062a553049416f17f07340 .centered-text { display: table; height: 80px; padding-left : 18px; top: 0; } .uff8fe2e96c062a553049416f17f07340 .uff8fe2e96c062a553049416f17f07340-content { display: table-cell; margin: 0; padding: 0; padding-right: 108px; position: relative; vertical-align: middle; width: 100%; } .uff8fe2e96c062a553049416f17f07340:after { content: ""; display: block; clear: both; } READ: Aircraft Simulators Essay CollegeI am studying at the college of Staten Island for an undergraduate computerscience degree. Combined with my

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Athens Georgia Music Scene

Athens Georgia Music Scene Free Online Research Papers When most people think of music coming from Athens, Georgia, they think of the B-52s and R.E.M. However, there is a new genre of music coming out of Athens called Athens Rock. Even though it is called a rock genre, it has a little bit of all the popular genres including country, hip-hop, blugrass, and rock. This genre has been newly created by these three particular artists that have not actually signed record labels yet, but are still very popular. These guys are Corey Smith, Brantley Gilbert, and Colt Ford. As Colt Ford would say, â€Å"These are just three country boys from Georgia trying to sing a little bit.† Corey Smith is the artist that puts the country flavor into Athens rock. This guy started out going to UGA to become a school teacher, and he took a job at a high school in Gwinett County. Then in 2004, he found his calling for music, and, like any other artist, started playing in the little bars of Athens. He quickly picked up some major popularity. According to Myspace.com, he is the most popular unsigned artist on their website. â€Å"If I Could Do It Again,† is a song he wrote about pretty much every high school senior’s Spring Break. Also, â€Å"Twenty-One† was a song he sang about being a 17-year old hanging out with all of these college kids who are all older than him. â€Å"I’m Not Gonna Cry† is another song he wrote about high school graduation, which became the new graduation anthem for many high school graduations across Georgia and the United States. The main reason I really like Corey Smith is because he writes songs that relate to you nger people’s lives. The next artist that contributes to Athens rock is Brantley Gilbert. He adds the rock and bluegrass flavors to the Athens rock genre. Unlike Corey, Brantley Gilbert has been playing and writing music his whole entire life. He is very popular around the Southeast, but is also unsigned. One of his songs that I really like is GRITS, which talks about his friend coming down from the North and being surprised about how good looking the girls raised in the south are. The song â€Å"Live It Up† is another good song saying if something is wrong don’t give up on yourself just keep on going and live it up. Another song that is one of my favorites is â€Å"My Kinda Party,† which is where he is talking about picking this girl up and they both go out to this country party with a couple of kegs, and that is what he thinks of a party. I like Brantley Gilbert because he can really take rock and country and mix them together. The final contributor to Athens rock is Colt Ford. He brings the hip-hop flavor to Athens rock. Even though his country and hip-hop music are very popular, he still considers himself as a common man. Because of his talents in both country and hip-hop, Colt has done much collaboration with many artists from both genres. Some of these include John Michael Montgomery, Jamey Johnson, Bone Crusher, and Adrian Young from No Doubt. The best thing about Colt Ford’s music is that most of his songs really have no explanation. They are all just about having fun. One of his most famous songs is â€Å"Dirt Road Anthem† with Brantley Gilbert. Another song is â€Å"Ride through the Country† with John Michael Montgomery. He also did a song with Jamey Johnson called â€Å"Cold Beer.† However, his most famous work was when he did the anthem for the Professional Bull Riders Championship. This song was called â€Å"Buck ‘Em.† As it is seen, Athens rock has many different types of genres within its own genre. Also, there are many emotions in these songs. Some of them happy and some sad, but the best songs these artists produce are the ones about just having fun. These genres within Athens rock are provided by three main artists. Corey Smith provides the country flavor. Brantley Gilbert does the rock and bluegrass flavor. Finally, Colt Ford has the hip-hop flavor. I have one last thought. These men are all unsigned so when they play they are doing it for the music and not the money. Research Papers on Athens Georgia Music SceneHip-Hop is ArtWhere Wild and West MeetComparison: Letter from Birmingham and CritoThe Effects of Illegal ImmigrationThe Spring and AutumnCapital PunishmentAssess the importance of Nationalism 1815-1850 EuropeNever Been Kicked Out of a Place This NiceQuebec and Canada19 Century Society: A Deeply Divided Era

CONTEXTUALLY SPECIFIC OBSERVATIONS INFROM IDEAS OF UNIVERSAL INTERESTS Essay

CONTEXTUALLY SPECIFIC OBSERVATIONS INFROM IDEAS OF UNIVERSAL INTERESTS AND VICEVERSA - Essay Example He uses his words and poetry as a tool to demonstrate and describe his personal interpretation of various dogmas of society pertaining life and identity. Consequently the readers observe that the poet deals with some common themes like self identity, human roots, role reversal and progression and respect for hard labor in majority of his poems hence all these themes are also incorporated in the poems Follower and Digging. However although these themes contextually appear to be poet’s major thematic concerns yet these themes are also a reflection of universal human behavior and interests. Both the poems Follower and Digging take the readers on a journey down the memory lane where the poet is observed to be recalling two incidents of joy and pride from his pasts regarding his father and grandfather. The Follower depicts a tale of a young child who idealizes his father and his profession i.e. farming and reflects on the child’s feelings about his future when he will also g et a chance to walk in his father’s footsteps and will be able to work on his beloved lands. The poem also deals with an interesting phenomenon of life i.e. life comes in full circle and evolution under the context that when a child is young he idealizes his father as he sees him at a high pedestal where he can never expect himself to reach that point. Yet as he grows up ultimately he out shines his father’s glory and succeeds his father and then his father is the one who looks up to his son’s success. On the other hand in the poem Digging the poet talks about the pride he feels in being a farmer just like his father and grandfather. He states his joy at the laborious work that his ancestors have done and reflects on the contentment of an Irish man over his accomplishment in life that is by working hard in the fields through out his life. However he also hints upon the changing times where he thinks that his pen is his weapon to succeed in life although he is no t ashamed of his roots in fact he still finds it delightful to work on the lands along with using the pen as a tool for a better future. Self identity of a person is the sole constituent that makes up a personality of a human being because it is a proof against an individual’s individuality and an independent existence as it forms the foundation of a man’s ego and self esteem. Subsequently it is a natural human instinct to struggle in life in order to retain his independence and never let another individual question his identity for this reason every individual feels pride over his roots as his heritage also provides him self confidence. Hence Heaney is also observed to be extensively incorporating the theme of identity in both the poems Followers and Digging which reflects on the Poet’s feeling regarding his life history. As Kenneally (1995) also states, â€Å"the mystical authority of poetry has its analogue in the mystical authority of a particular conceptio n of Ireland, and it is no accident that one of the terms which discussion of Heaney’s poetry and discussion of Irish cultural Politics have in common is ‘Identity’† (p.180). Kenneally also reiterates that Heaney’s poems are, â€Å"carefully structured to give the notion of identity pride of place in Heaney’s critical orientation† (p.180). The readers while reading the poem sense the importance that the poet puts in the profession of his ancestors as he believes that farming is his actual identity although he might seek other means to succeed in life. As the poet also states in Digging, â€Å"He rooted out tall tops, buried the bright edge deep To scatter new

DUI class Essay Example | Topics and Well Written Essays - 500 words

DUI class - Essay Example The maximum jail term for this is six months. Felony is where driving while intoxicated leads to injuries one can be given a penalty which may include up to three years of imprisonment. In California it is against the law to drive while intoxicated or having alcohol or any other drugs that compromise thinking and judgment. Section 23152 of the California Vehicle Code (CVC) prohibits any person having 0.08% or more alcohol in the blood system from driving a vehicle. For the District Attorney to successfully convict a suspect he/she is burdened to prove that the person had 0.08% plus BAC and was driving. When arrested for DUI one can demand a hearing with the DMV in ten days after receiving a suspension or order revoking his driving license. If it is found there was no basis then the revocation is set aside and the suspected is notified in writing by DMV. On suspicion of DUI the law requires that the officer immediately forwards duly completed revocation or suspension notice together the driver’s license if confisticated and a sworn file to the Department of Motor vehicles. DMV will review the filed report, the order of suspension or revocation as well as resu lts of the test and if upheld then you may contest by requesting to be heard. The brain of a human is contains three main parts; the forebrain encompasses cerebrum, thalamus and hypothalamus parts. Midbrain has tectum and tegmentum parts while cerebellum, medulla and pons form the hindbrain or brainstem. Cerebellum regulates and coordinates locomotion, balancing and posture. Limbic system which consists of a amygdala, hippocampus, hypothalamus and thalamus is associated with emotions while brain stem or hindbrain controls vital functions of life including the heartbeat, ventilation, and the pressure of blood in our vessels. The brain is therefore a very vital nervous organ controlling many nerves. The seat belt is an important aspect of car safety; it holds a passenger in position such that this passenger

Studying The Functions Of The Bank Of England Finance Essay

Studying The Functions Of The Bank Of England Finance Essay Introduction The Bank of England also known as the central Bank of England. In 1964 it started as the joint stock company, and in return for a large loan to the government was put in privileged position which enabled it to be a largest private bank. It was then authorized to hold the large gold reserves of the banking system of UK. In 1844 note issuing powers were terminated other than via bank, which become as the monopoly supplier. Before coming as the bank of England Act 1946, it was under the control of the treasury. It is managed by the Court of Directors, headed by the governor, who is appointed by the crown. Since 1844, the balance sheet of the bank was divided into two halves, namely as: Issue Department (concerned with the notes issuance). Banking Department (concerned with other banking). Functions of Bank of England Bank of England Act in 1946 defines the constitutional relationship between bank and the government as follows: The treasury of the bank of England can give the instruction to the bank time by time as, after constitution with the governor of the bank, they think necessary in the public interest. The Act makes no specific reference to the banks responsibilities and duties because they were considered to be well established by the customs and practices. Overall, the Bank of England performs the following: BoE is responsible for the issuance of notes and coins, BoE acts as banker to the central government, BoE acts as banker in the banking sector, BoE manages the Exchange Equalization Account, BoE is conscientious for the precise timing of interest rate changes, BoE as well supervises the banking sector. As per the Governor of the Bank of England, Mr. George in 1996, three major purposes are: Maintaining the honor and value of currency; Maintaining the stability of financial system, both internal and external, Ensuring the effectiveness of the UKs financial services. Role of Bank of England in oversight of Core UK Payment Systems Introduction Basically, Payment system is playing a major role in the development of the economic and financial infrastructure. One of key functions of the UK payment system is to allow transactions to be completed securely and well in time, makes a good involvement to overall financial development. It is essential to be considering that payment systems can also involve risks for members, and can be a gateway for the transmission of disorder from economy or financial system to another. Therefore central bank has always taking steps to develop and operate the Payment system to control this systemic risk. The Banks lapse of payment systems is a major part of its responsibilities for Financial and monetary solidity. The basic function, the Banks lapse work is to identify risks posed by the defining, developing and operate of payment systems and to take necessary steps to control them. A payment system is a system that allows its users to transfer money, it varies from country to country and location to location. In this modern era, in most developed countries, monetary system is regarded as cash ie notes and coins issued by the central bank and can be claims against credit institutions in the form of deposits. Payment system is a safe way to complete a transaction safely and well in time. Companies can use them when they want to buy or sell goods and services and individuals depend on them to receive their wages and for purchases; and Government depends on them to receive taxes and other benefits. Through a payment system a customer can make payment to the customer of other banks. These interconnections mean that, that a customer who hold the money with a bank can focus on their balances, cost and quality of the services and others like credit standings with their banks. The volume of the UK payments system has been considerably increased from the last few years. As for as the payment system concern for the efficiency and effectiveness of the UKs financial sector both domestically, for the stabilization the UK economy, and internationally, to invest in the UK business and financial markets. Working with financial market participants, the Bank plays a vital role to develop and improve the UK payment system so that the investors can enjoy the benefits. The Bank seeks to support market-led development but take a more active part in catalyzing market initiatives the operational role. Bank of England oversight Role for payments That is the major responsibility of the bank to oversight the payment system and as well the stability of the financial system. As the values of payment systems have increased, but at the same time theres an increase in the risk management have become an important issue. The Banks oversight role relates to its operational role as the provider of the central bank money to some of the payment systems and as final provider of liquidity to the banking system and to the stability of the economy more widely. The Bank: The bank of England is entirely responsible for the settlement of CHAPS sterling and CHAPS Euro. The bank of England is responsible to provide the intra day liquidity of CHAPS Sterling and CHAPS Euro by way of reserves against their securities. The main function of the bank of England is to oversee the payment system and to ensure that sufficient weight has given to risk reduction and management and to view their development and operation. However, the BoE taking an interest in promoting payment systems, proper lapse of the competitive upbringing for systems, their members and their users is a subject for the competition authorities. b) Major Developments in UK Payment System in 2008 In the year 2008 theres many changes in the UK payment system because in this year  £200 trillion were passed. The UK Payment system development and performance can be assessed by the systematic payment Core Principles. Through these core principles in 2008 theres main payment system development in UK. CLC and SWIFT are two international infrastructures in the faster payment services and development. To assess the performance and flexibility of the payment system Core principles were developed. These differentiate between the systems and the risk related to their operations and as well the basic tools developed by the bank to avoid these risks. For this purpose bank has developed Oversight Risk Framework. In the year 2008, most important risks to the systems relate to the settlement risks in the event that a member becomes bankrupt, and as well to the operational risks of failure of a system or its supporting network. Overall, the most significant risks identified by the support relate to the main wholesale payment systems. This reflects the blow of Out ages of these systems for economic and financial activity in the United Kingdom. CHAPS One of the most important Payment System in UK is known as CHAPS that provides real time gross settlement of transfers between members which eliminates credit risk. Since, the CHAPS Euro closed in 2008; it is now consist of CHAPS Sterling. The relationship between the Bank and CHAPS Clearing Company is governed by the Memorundam thats known as Memorundam of Understanding. In the year 2008, daily value of CHAPS Sterling was around  £280 billion, thats make it largest UK Payment system. CHPAS played a vital role in distributing the liquidity and mitigation of risks within CHAPS and its real time gross settlement infrastructure in UK financial system During 2008, CHAPS volume fell while values remained constant. There are two reasons for the reduction in volume: Down turn in economic activity may caused fewer CHAPS payments to be made, such as those associated with the housing transaction. Smaller payments could be migrating to the faster payment services which launched in May 2008. There were more signs that volume falling more rapidly in the second half of 2008. In this real time world the largest gross settlement system is the CHAPS sterling which is as well used by the banks to move money around the fiscal system through the following ways: Payments from one Business to other Business. Payment made through the Solicitor for the purchase of house to other party or bank By the individuals who are selling the high value items. Such as car which require guaranteed payments. CREST CREST is as well one of the best Payment System that provides a payment settlement service for gold, shares, and money market technique in both sterling. CREST supervised by the Financial Service Authority (FSA), and the BoE responsible for its oversight. It is a totally owned firm of Euro clear SA/NV and is an RTGS system. As stated in 2009 BoE report, the average daily value of transactions in the sterling element of the system was  £478 billion per day in 2008, and its daily volume reached 211,559. Three types of payments can be made through CREST: Real-time gross settlement in central bank money in sterling. RTGS in central bank money in euro A mutual net settlement arrangement for transactions in US dollars. Bacs As in the change in the technology it changes all the ways of living and work styles, in the same way it changes the payments methods. So, people are choosing automated methods of payment as compare to paper based like cheques and drafts. In 2008 a record of 4.8 billion automated payments in UK has been noted. 92 % of automated payments are bulk transactions generated by the small and large business organisations and are: Direct debits mainly to pay utility bills, life and general insurance premiums and various subscriptions; Direct credits, used for salary payments, pensions, annuities and child benefit. The remaining 8% is made up of inter-bank telephone and online banking payments and standing order payments. Standing Orders Basically, a standing order is an instruction an account holder give to bank or building society to make payments, usually on a regular basis, to a UK bank or building society account. Any person or company with a current account at a bank or building society in the UK can set up a standing order. Your bank or building society will, on the day specified, debit your account and transfer the money to the bank or building society account of the recipient. The money will be transferred either through The Bacs system or increasingly from June 2008 through. The Faster Payments Service.   If it goes via Bacs it will arrive with the recipient within three working days, e.g. for a standing order initiated on a Monday, the earliest it could arrive would be the Wednesday. However, standing orders processed via Faster Payments will be processed on the same day. Internet and Phone In the last few years theres a huge increase in the internet and phone banking that rise the automated payment. The 22.5 million customer are registered with online facility and more than half using internet for making payments, and 40% people from other half (12.3 million) people using telephone banking to make payments. Internet and phone banking transactions are processed as Faster Payments or as one-off Credit using the same three day Bacs system and so followed the three day timescales developed for bulk payments (Direct Debits and Direct Credits). Cheques Cheques are the written orders by the account holders instructing their banks to pay the specified amount to the named person. Cheques are not legal tenders but they are legal documents and their use is governed by the Bills of Exchange Act 1982, and the cheques Act 1957 and 1992. Bankers drafts Bankers drafts are cheques drawn directly on the account of a bank rather than the account of a customer. They provide added assurance as the bankers drafts are unlikely to be returned unpaid due to lack of funds. However, it is important to note that they do not provide a guarantee against fraudulent use. For example, they may be lost or stolen and then used fraudulently. Daily Averages in 2008 Volumes, value and payment types (daily average) Payment Systems Volumes Values ( £ millions) Important Payment Types Substitute CHAPS 136196 283745 1. Settlement in Financial Market Settlement. 2. CLS pay ins and pay outs. 3. House Purchases 1. CHAPS sterling bypass mode 2. Manual procedure for making small number of Bank Transmission. Bacs 22266734 15537 1. Salary and Benefit Payments. 2. Bill payment by direct debit. 3. Telephone and internet banking. 1. Perhaps minimum scope for switching to other instruments in the short term e.g. Cheques, Cash. Faster Payment Services 939866 310 1. Telephone and internet banking. 2. Single immediate payment. 3. Forward dated payments. 4. Standing order payments. 1. Bacs 2. Cash 3. Card Network. Visa ( Credit and Debit Card) 14997260 836 1. Payments for goods and services by consumers and business. 1. Cheques 2. Other Networks 3. Cash Master Cards(Credit and Debit Cards) 10742466 593 1. Payments for goods and services by consumers and business. 1. Cheques 2. Other Networks 3. Cash Link 7797260 306 1. Withdrawal of cash using an ATM not operated by customer own bank. 1. Own bank ATM 2. Other cash withdrawal channels CREST 211559 477512 1. Settlement in respect of cash margin payments. 2. Payments for commodity deliveries. 3. Cash settlement If disruption does not prevent calculation of settlement obligation, contingency payments, procedure may be invoked. D). Core Principles The Bank has adopted some principles, among of these principles few provided a basis for the Banks non statutory oversight up to now and the few other principles related to the UK Payment system. All these principles were adopted by the bank for consultation during 28th September and 30th October. These principles are: Principle 1 The Payment System must have well legal basis under the relevant jurisdictions. The Bank of England notes in 2009 that this is one of the well suited principle for CHAPS as well in 2003 International Monetary Fund observes thats the best principle for CHAPS. In a financial report by International Monetary Fund it is also noted that Bank of England and Wales govern the CHAPS rules, and the Courts of England and Wales also exercise exclusive jurisdiction over any disputes in connection with these rules. The system designed under the rules of Financial Market Regulation in 1999 that was implement the European Union settlement and was finally implemented in United Kingdom. Principle 2 The systems rules and procedures should enable participants to have a clear understanding of the systems impact on each of the financial risks they incur through participation in it. As per the Bank of England report in 2009, CHAPS observes this principle. In 2003 International Monetary Fund draw a conclusion that CHAPS rule set out high level rights and duties of the members, membership criteria and operational criteria. The report issued by Bank of England in 2009 self assessment mentions a Memorandum of Understanding that sets out the rights and responsibilities of the Bank of England as operator and settlement agent of CHAPS; CHAPCo, as the member of the system and the payment organization. CHAPS rule contain the detail procedures and operational manuals that cover all the aspects of the payment system. Principle 3 The system should have clearly defined procedures for the management of credit risks and liquidity risks, which specify the respective responsibilities of the system operator and the participants and which provide appropriate incentives to manage and contain those risks. In 2009 Bank of England declares that CHAPS observes this principle. In 2007 report CHAPS declares as RTGS system, settlement process does not involve credit risk as is the case in deferred settlement system. It adds that domestic payments are both irrecoverable and finally at the point where relevant members settlement account is debited. If a paying bank has insufficient funds available on its settlement account with the Bank of England, CHAPS payments cannot be made, and a liquidity crunch in the system could result in a gridlock. The BoE nevertheless notes that CHAPS members do not experience liquidity management difficulties in meeting CLS pay-in deadlines. Principle 4 The system should provide prompt final settlement on the day of value, preferably during the day and at a minimum at the end of the day. (Systems should seek to exceed the minima included in this Core Principle.) In 2009 Bank of England self assessment that CHAPS operates on RTGS basis, minimizing the credit risk and thus observes this principle. In 2003 a report by International Monetary Fund assessment also assessed CHAPS as observing this principle. Principle 5 A system in which multilateral netting takes place should, at a minimum, be capable of ensuring the timely completion of daily settlements in the event of an inability to settle by the participant with the largest single settlement obligation. (Systems should seek to exceed the minima included in this Core Principle.) This principle is not applicable to CHAPS, according to both the IMF 2003 and BoE 2009 reports, since it is a RTGS system. Principle 6 The system should ensure a high degree of security and operational reliability and should have contingency arrangements for timely completion of daily processing. According to Bank of England and International Monetary Fund assessment, CHAPS observe this principle because CHAPS security architecture was founded on the range of policies and procedures governing the security demanded by the Bank of England, SWIFT and as well for the CHAPS members. In 2009 it was declared by BoE that CHAPS security controls and measures effective, and the business continuity, recovery procedures extensive. The BoE encourages the CHAPCo and its members to continue the system arrangements, communication among the members and to improve the operational arrangements to tide over a crisis. Principle 7 The system should provide a means of making payments which is practical for its users and efficient for the economy. According to both, BoE report in 2009 and IMF report in 2003 assessment, CHAPS observes this principle. As Per the 2003 IMF report, the CHAPS security architecture was founded on a range of policies and procedures manuals governing the levels of security demanded of the system operator (the BoE), (SWIFT) and the CHAPS members. The BoE, in its 2009 report, also finds the CHAPS security controls and measures effective, and the business continuity and recovery procedures extensive. The report mentions the Tripartite Resilience Benchmarking Project (TRBP) that underscores the high quality of the system. Principle 8 The system should have objective and publicly disclosed criteria for participation, which permit fair and open access. In 2003 IMF indicate in a report that CHAPS complies with this principle and as per BoE assessment in payment system report that in the country notes CHAPS only broadly observe this principle. This lower rating was assigned by the BoE primarily because of the fee charged for new membership is  £70,000 which BoE deems as inappropriate. Principle 9 The systems governance arrangements should be effective, accountable and transparent. In 2009 BoE and in 2003 IMF assessment indicates that CHAPS observe this principle. As per BoE, CHAPCo has clear governance structure with board having ultimate responsibilities for the management of the system. Further in 2007 the payment council introduced new governance arrangement for UK payment system. Under this CHAPCo is contractually bound to follow the directions of council on issue like integrity and innovation. Principle 10 The central bank should define clearly its payment system objectives and should disclose publicly its role and major policies with respect to systemically important payment systems. In 2003 in IMF report, BoE observe this principle. As noted by the IMF, the BoE published a paper on Oversight of Payment Systems in November 2000, explaining its objectives in regard to the oversight of UK payment systems. BoE had not yet published any follow-up/annual account of its oversight activities. However, in the June 2002 Financial Stability Review (FSR), a useful box was included to give some more detail of BoE oversight. In 2005 report, the BoE states that payment systems in the UK are not subject to statutory oversight, but notes that in its 2005 report, the BoE states that in order to ensure financial stability, the BoE especially focuses on the reliable functioning of systemically important payment systems in the country. Principle 11 The central bank should ensure that the systems it operates comply with the Core Principles. According to the 2003 FSAP conducted by the IMF, the BoE observes this principle. The IMF adds that the BoE had, together with CHAPCo and CRESTCo, (company operating the UK securities settlement system CREST and the settlement system for money market instruments, now merged with Euro clear, the European Securities Settlement Agency) developed the RTGS Central System, which it operates and provides to these companies as well as to other settlement systems with net end-of-day settlement. Principle 12 The central bank should oversee compliance with the Core Principles by systems it does not operate and it should have the ability to carry out this oversight. According to the 2003 FSAP conducted by the IMF, the BoE observes this principle. As observed by the IMF, the BoE formalized its oversight of UK payment systems with the creation of an Oversight Team in the Market Infrastructure Division with express responsibility for the oversight of payments systems. The BoE also assesses the key UK systems against the core principles. Principle 13 The central bank, in promoting payment system safety and efficiency through the Core Principles, should cooperate with other central banks and with any other relevant domestic or foreign authorities. According to the 2003 FSAP conducted by the IMF, the BoE observes this principle. The IMF notes that the BoE has close and frequent contact with its European and Group of Ten (G10) counterparts, both through formal mechanisms in particular G10, European System of Central Banks (ESCB), and EU committees and ad hoc contacts. The BoE also has close contacts with other U.K. authorities, especially through the Tripartite Standing Committee in which senior representatives of the Chancellor of the Exchequer, the Governor of the BoE and the Chairman of the FSA meet monthly to discuss financial stability; and the U.K. Competition Authorities. The BoE has also signed the Memorandum of Understanding between Payment Systems Overseers and Banking Supervisors in Stage Three of Economic and Monetary Union aimed at promoting cooperation and information sharing between EU payment systems and banking supervisors in relation to large-value interbank transfer systems, in order to ensure the soundness and stability of financial systems and their participating credit institutions. As the BoE website adds, the BoE collaborates with domestic (FSA) and international regulators to provide collective oversight of systems such as Euro clear, Society for Worldwide Interbank Financial Telecommunication (SWIFT), LCH. Responsibilities of the central bank in applying the Core Principles The central Bank should consider the following: The central bank should define the clear objectives of the payment system and as well should relate its publicity role with respect to the importance of payment system. The Central Bank should ensure that the all system operates in accordance with the Core Principles. The central bank should supervise acquiescence with the Core Principles by the systems it does not operate and it should have the ability to carry out this oversight. The central Bank should cooperate with the other central banks of the domestic and foreign for the safety and efficiency of the Payment System through the Core Principles. The Bank of England (BoE) asserts that as the overseer of the payment systems in the United Kingdom (U.K.), it prioritizes its oversight activities in accordance with the risks posed by a system to the overall financial stability. Therefore, it focuses its major attention on the high value payment systems in the country that include CHAPS, BACS, and CREST. A 2009 report of the BoE titled Payment Systems Oversight Report 2008, which is a self-assessment of the UKs payment systems notes that the main systems operate, to a great degree, in accordance with international standards. The report also states that CHAPS, which is defined as a system with systemic significance, observes eight of the nine core principles.

Sexual Harassment and the Equal Employment Opportunity Commission (EEOC) :: Sexual Harassment Essays

Under Title VII of the Civil Rights Act of 1964, Sexual harassment is a form of sex discrimination. Federal law as well as various state fair-employment laws prohibit employers with 15 or more employees from treating members of one sex or race differently from members of the opposite sex or another race in terms, conditions, or privileges of employment. The statutory and regulatory laws govern the entire employment process from pre-employment activities such as recruiting, through an employee's career with the organization, including termination. The prohibition against sex discrimination imposes responsibility upon employers to afford their employees an environment free from sexual harassment and from the fear that it may occur. The Equal Employment Opportunity Commission (EEOC) can file lawsuits on behalf of victims of sexual harassment, women who take their accusations to court face even bigger obstacles than mere public disapproval. The legal process is long and cumbersome - it can be years from the first complaint to the final verdict and in the meanwhile, the woman is in a legal, professional and often financial limbo. Women are not entitled to collect damages under the Civil Rights Act - just back pay; so many women don't see this process as worth the trouble. Even those, however, who do file a complaint and win a harassment case, may feel lost. Though, Title VII offers reinstatement to previous job, the individual may be shunned or harassed by co-worker thus making conditions even more uncomfortable than they were beforehand. Common law tort lawsuits, such as intentional infliction of emotional distress and assault and battery, provide a remedy in certain types of sexual harassment cases that is total ly dependent of any of the statutes and governmental agencies. However, the solutions proposed might seem comprehensive in plans to lessen sexual harassment in the workplace and punishment of harassers, women still face formidable obstacles in preventing harassment from continuing. The proposed measures fail to cover all aspects of harassment, though the truth is, it is virtually impossible to formulate a plan to do so.

Success Notes

What is my definition success? Living life to the fullest Achieving small goals in life One’s life is in full balance Not feeling stressed and overwhelmed in life Following my dreams Being in control of my future Having college education Having a careerHaving great friends  the continuous state of action that you have to perform to meet your goals To me success means setting up a goal, and then putting your complete energy towards attaining it. If you can do it all, then the feeling of satisfaction with your effort is what I feel defines the state of bliss – for me that feeling of contentment within myself is Success. What does success means to me?What success means for me? Well success to me means an achievement in life or to do well at. Some of my goals that will lead to my success will have to start with going back to school and getting a degree in a field that I never thought possible. That was my first goal to get into college and now that I have achieved that go al, I see nothing but success in the future. When I get done and I get my bachelor degree, who knows the success I could endurance / achieve.Health, Money, Education Have opportunities to be successful Prosperity and success (ideals)

Unmarried couple - Free Essay Example

Sample details Pages: 11 Words: 3340 Downloads: 2 Date added: 2017/06/26 Category Law Essay Type Analytical essay Topics: Marriage Essay Did you like this example? Parties whether married or unmarried may contribute to the purchase of a home for themselves, but subsequent events may give rise to a dispute when a relation break up as to the ownership of the property. The problem above is for us to advise Anne upon whether Brian has any claim to a beneficial interest in the family home and how large that share might be as Anne and Brian, who are unmarried put the legal estate of the house in Brianà ¢Ã¢â€š ¬Ã¢â€ž ¢s name and no written declaration of trust for their oral agreement that they are joint tenants in equity. If Anne and Brian are married couple, then under the Matrimonial Causes Act 1973 the court has wide discretionary powers to order the distribution of the coupleà ¢Ã¢â€š ¬Ã¢â€ž ¢s property disregard who owns the property legally or equitably. English law does not presume à ¢Ã¢â€š ¬Ã…“community of ownershipà ¢Ã¢â€š ¬Ã‚  of land even when two adults have lived together in a stable relationship for a long p eriod of time. The solution for cohabitees who are neither married nor in a civil partnership to gain statutory protections would be to write down and legally agree how they intend to share the property, the principle stated in Pettit v Pettit. The express trusts of land are subject to additional formalities as prescribed in Section 53(1)(b) Law of Property Act 1925. The statutory prescription is that, in order for an express trust of land to be enforceable, the declaration of trust muts be evidenced in writing, which is signed by settlor. However, problem often raised as they do not make a written declaration of trust as the situation faced by Anne and Brian in the question. In absence of statutory protection under the Matrimonial Causes Act 1973 and express trust for Anne, the court is, therefore in effect, looking backwards at what Anne and Brian decided about the property and determine what the property interest would be for Anne under equity. Where the legal title to prop erty has been conveyed in the name of one party only, and his partner wishes to claim a beneficial interest, the claimant is required to establish the existence of a common intention constructive trust. The presumptions of resulting trust and advancement will not be readily adopted in order to quantify the interests of the parties because such presumptions have outlived their usefulness in this context. Lord Diplock in Gissing v Gissing replaced the presumptions with à ¢Ã¢â€š ¬Ã…“common intention constructive trustsà ¢Ã¢â€š ¬Ã‚ . The effect is that where the legal title is vested in the name of one party, where in this case, legal title is vested in name of Brian, the inference is that equity follows the law and Brian with the legal title is prima facies solely entitle to the equitable interest. If the party without the legal title, Anne wishes to claim an interest in the property, she bears the legal burden of proving that both parties had an intention to give Anne an interest in the property which was relied on to her detriment. The existence of a common intention may be express or implied by reference to the circumstances of each case. The court is required to interpret the surrounding facts with a view to ascertaining the intentions of the parties with regard to a share in the home. According to Lord Bridge in Lloyds Bank plc v Rossett, a case where the property has been registered in the name of one of the parties only, there are two types of common intention constructive trust, which Rosset 1 and Rosset 2 (express agreement plus detriment reliance OR substantial direct financial contribution to purchase). Lord Bridge explained Rosset 1 that to establishing a beneficial interest under a constructive trust is to establish that prior to the acquisition of the home (or exceptionally at some later date), the legal owner and the claimant reached à ¢Ã¢â€š ¬Ã…“an express agreement, arrangement, or understandingà ¢Ã¢â€š ¬Ã‚  to share the beneficia l ownership of the home. Provided that the arrangement was expressed in discussion between the parties, it does not matter that the terms were imprecise and that the partiesà ¢Ã¢â€š ¬Ã¢â€ž ¢ recollection of the express agreement is à ¢Ã¢â€š ¬Ã…“imperfectà ¢Ã¢â€š ¬Ã‚ . In addition to proving that there was an express agreement or arrangement, the claimant must also show that she acted to her à ¢Ã¢â€š ¬Ã…“detrimentà ¢Ã¢â€š ¬Ã‚  or significantly altered her position in reliance on the agreement. Rosset 2 is where no evidence of detrimental reliance upon an express agreement, arrangement, or understanding to share, the parties à ¢Ã¢â€š ¬Ã…“common intentionà ¢Ã¢â€š ¬Ã‚  to share must be inferred instead from their conduct. However, inferring a common intention from contributions to the purchase price, was criticized because it failed to take into account non-financial contributions, such as to the running of the home. This is different with the judgment in Gissing v Gi ssing that contributions other than financial can create an interest in the home. In Stack v Dowden, Lady Hale said that there is undoubtedly an argument for saying, as did the Law Commission in Sharing Homes, A Discussion Paper, para 4.23, that the observations, which were strictly obiter dicta, of Lord Bridge of Harwich in Lloyds Bank plc v Rossett have set that hurdle rather too high in certain respects. The à ¢Ã¢â€š ¬Ã…“common intentionà ¢Ã¢â€š ¬Ã‚  in express trusts must be to à ¢Ã¢â€š ¬Ã…“share the homeà ¢Ã¢â€š ¬Ã‚ , not just to share their lives. Thus, the claimant in Thomas v Fuller-Brown carried out extensive building work on the defendantà ¢Ã¢â€š ¬Ã¢â€ž ¢s house and agreed that this was in return for her keeping him would not help to establish an interest in family home as there is no discussion of him having half share. Furthermore, the common intention between the parties must be à ¢Ã¢â€š ¬Ã…“expressedà ¢Ã¢â€š ¬Ã‚ , as in Springette v DeFoe, Dillon LJ said that the it is not enough that the parties happened to be thinking on the same lines in her uncommunicated thoughts. Nevertheless, some criticisms received as this has not deterred the courts from interpreting express statements according to uncommunicated thoughts of the persons making them, sometimes in ways that seem entirely inconsistent with the actual words employed. In Grant v Edwards and Eves v Eves, the claimants established beneficial interest in the defendantà ¢Ã¢â€š ¬Ã¢â€ž ¢s lad even though the expressed understanding between the parties in each case was that the defendant had no intention of placing the claimantà ¢Ã¢â€š ¬Ã¢â€ž ¢s name on the legal title. In Grant v Edwards, the defendant explained that he did not want to place the claimantà ¢Ã¢â€š ¬Ã¢â€ž ¢s name on the title because it might prejudice matrimonial proceedings pending between the defendant and his wife. In Eves v Eves, the defendant explained that he would not be placing the claimantà ¢Ã¢â€š ¬Ã¢â€ž ¢s name on the legal title as she was too young. In both cases, the courts held that the express à ¢Ã¢â€š ¬Ã…“explanationsà ¢Ã¢â€š ¬Ã‚  were, in reality, à ¢Ã¢â€š ¬Ã…“excusesà ¢Ã¢â€š ¬Ã‚  and that they therefore constituted express evidence of an unspoken understanding between the parties that the claimant was entitled to a beneficial interest in the land. Simon Gardener has criticized this type of reasoning: If I give an excuse for rejecting an invitation to what I expect to be a dull party, it does not mean that I thereby agree to come: on the contrary, it means that I do not agree to come, but for one reason or another I find it hard to say outright. It could then be suggested that the fact that one party lies is explicit evidence that there is no intention to share the family home. Therefore, Anne able to establish her beneficial interest as there is expressed common intention that they orally agreed joint tenant in equity. Once an express common intention is found, the person seeking to establish the existence of a constructive trust must prove that she relied on that agreement to her detriment. The facts that that Anne had pay maintenance for their children, remains in the house and pays for all the outgoings and also undertakes extensive renovation and maintenance work on the house, paying for the materials and doing the manual work herself, whether or not these would amount to detrimental reliance? In Grant v Edwards, Browne-Wilkinson VC stated, following Fox LJ in Midland v Dobson, that mere common intention is not by itself enough, the claimant has also to prove that she has acted to her detriment in the reasonable belief by so acting she was acquiring a beneficial interest. There are two main barriers to proof of detrimental reliance. The first is to demonstrate that the claimant has suffered a detriment. On one view, the claimant who gives up a career to care for a home and children has been liberated from the need to work , has enjoyed the delight of daily contact with her children, and has lived rent free for several years in a house that is legally owned by someone else. Browne-Wilkinson VC was alert to these obstacles in Grant v Edwards, when he held that setting up house together, having a baby and making payments to general housekeeping expenses may all be referable to the mutual love and affection of the parties and not specifically referable to the claimantà ¢Ã¢â€š ¬Ã¢â€ž ¢s belief that she has an interest in the house. However, their Lordships decided that Mrs Grant had acted to her detriment and granted her a half-share in house. Nourse LJ described detrimental reliance as à ¢Ã¢â€š ¬Ã…“conduct on which the woman could not reasonably be expected to embark unless she was to have an interest in the homeà ¢Ã¢â€š ¬Ã‚ . The second barrier the claimant will face, assuming a detriment has been established, is to prove that the detriment was suffered as a causal consequence of the express ar rangement between the parties. As Browne-Wilkinson VC mentioned, referring to Eves v Eves, there has to be link between the common intention and the acts relied on as a detriment. Therefore, Anne may rely on both Rosset 1 and Rosset 2 to establish that she having beneficial interest over the family home property as Anne pays the whole cost of the house with money given by her father would be considered that it is direct financial contribution to purchase price under Rosset 2 regardless there is any common intention. Besides , Anna may also establish beneficial interest under Rosset 1 as Anne and Brian agree that they are joint tenants in equity amounted to à ¢Ã¢â€š ¬Ã…“common intentionà ¢Ã¢â€š ¬Ã‚  and it is à ¢Ã¢â€š ¬Ã…“expressedà ¢Ã¢â€š ¬Ã‚  by oral agreement. Further, two main barriers to proof of detrimental reliance mentioned by Nourse LJ also is not a problem for Anne as she doing manual work for the renovation of home. This may constitutes as à ¢Ã¢â€š ¬Ã…“cond uct on which woman could not reasonably be expectedà ¢Ã¢â€š ¬Ã‚  as manual work is something should expected done by man. As stated in Stack v Dowden, there is a two-stage procedure the courts approach the question, establishing a beneficial interest is stage one and stage two is to establish the size of that interest. Therefore, since we have already proved stage one that Anne has beneficial interest in the family home, the further we have to prove for stage two is to quantify the interest or shares in the property. The size of the shares is determined according to the terms of the express trust, if they ever created one as stated in Goodman v Gallant, this has been confirmed in Clough v Killey that when the parties expressly agree on beneficial shares, provided there is some detrimental reliance, that understanding will almost certainty be enforce by the courts. In the absence of any express trust, the question of quantification depends upon the facts of the case. If the n on-legal owner has established some interest under a constructive trust by either of the Rosset types, but there is no evidence that the parties expressly agreed the size of their respective shares, it falls to the court to identify the shares that they probably intended, on the basis of à ¢Ã¢â€š ¬Ã…“a survey of the whole course of dealing between the parties relevant to their ownership and occupation of the propertyà ¢Ã¢â€š ¬Ã‚ , as stated in Midland Bank v Cooke. This can include such matters as labour, housework, childcare and so on. This, however received criticism as represents a departure from the inflexible approach laid down in Burns v Burns, in which May LJ held that the court was only entitled to take into account direct financial contributions. The fact that Anne and Brian orally agreed that they are joint tenant in equity, but it is only an agreement to share, but in unspecified proportions. In Oxley v Hiscock, Chadwick LJ stated that it must not be accepted that the answer is that each is entitled to the share which the court considers fair having regard to the whole course of dealing between them in relation to the property. This includes arrangements which they make from time to time in order to meet the outgoings, i.e. housekeeping, mortgage contributions, council tax and utilities, which have to be met if they are to occupy the property as a home. The court is simply imputing a common intention as to the partiesà ¢Ã¢â€š ¬Ã¢â€ž ¢ respective shares on the basis of that which, in the light of all the material circumstances, including the acts and conduct of the parties after the acquisition is shown to be fair and reasonable. The main argument that Anne might makes is that Brian has totally no shares in the house as they make an oral agreement when Brian moves out of their house, that as he does not plan to pay any maintenance for their children, and renounces any claim that he might have to the beneficial ownership of the house. Ther efore, the issue here is whether or not the common intention can change over the time? Whether an initial common intention as regards the allocation of the beneficial interest can be considered to have changed over time was considered in Jones v Kernott. In this case, a couple had purchased a house which was conveyed into their joint names. They lived together for 8 years before separated. It was accepted that, at that time, they held the property beneficially in equal shares, there being insufficient evidence to rebut the presumption that their beneficial interests followed the legal title. The claimant continued to live in the house with their children, whilst the defendant had acquired alternative accommodation and made no further contribution towards the acquisition of the property. The claimant assumed sole responsibility for paying the mortgage, and for repairs and improvements of the property. The defendant severed the joint tenancy at the point when the claimant asserted that their beneficial interests were no longer equal. The Supreme Court held that, after their separation, the common intention of the parties had changed. Lady Hale and Lord Walker at para 5.1 stated that the starting point is that equity follows the law and they are joint tenants both in law and equity. The presumption can be displaced by showing (a) that the parties had a different common intention at the time when they acquired the home, or (b) that they later formed the common intention that their respective shares would change. Their common intention is to be deduced objectively from their conduct, and if it is not possible to ascertain by direct evidence or by inference what their actual intention was as to the shares in which they should own the property, the court will then considers the fair shares having regard to the whole course of dealing between them in relation to the property. However, Lady Hale also mentioned that each case will turn on its own facts, and financial contributions are relevant but there are many other factors which may enable the court to decide what shares were either intended or fair. Therefore, it is confirmed in Jones v Kernott case that the partiesà ¢Ã¢â€š ¬Ã¢â€ž ¢ initial common intention as to the allocation of the beneficial interest had changed at the time Brian moves out and make an oral agreement renounces any claim that he might have to the beneficial ownership of the house. Even though the common intention had change when Brian made the oral agreement to give up the shares of the house, however there is another problem for court to consider whether the family home now belongs completely to Anne or some little shares still remains with Brian. In Stack v Dowden, Baroness Hale at para 69 stated that some of the factors to be taken into account, such as legal advice at the time of purchase, discussions between the couple, the reason they chose a joint tenancy, the reason they bought the house, who paid for the mort gage, separate or joint finances, who paid household expenses, the characters and personalities of parties to show true intentions, extension or substantial improvement to the house. She also mentioned that an arithmetical calculation is not so important in deciding the shares of family home property. According to Baroness Hale in Stack v Dowden at para 69, à ¢Ã¢â€š ¬Ã‹Å"in law, à ¢Ã¢â€š ¬Ã…“context is everythingà ¢Ã¢â€š ¬Ã‚  and the domestic context is very different from the commercial worldà ¢Ã¢â€š ¬Ã¢â€ž ¢. This is hard to square with recent decision in which courts have proceeded on the assumption that there is prima facie no substantial difference between domestic and business contexts when deciding fair shares under a constructive trust, e.g. Gallarotti v Sebastianelli, a case of two friends living together. If Anne able to show that she has the beneficial interest of the family home property, she needs to show further that the common intention had changed when B rian moves out from the property and family home belongs completely to her. From my view, I think Anne able to argue and claims that she owned the whole shares of the property regardless any agreement made between Brian and her, as (i) she paid for the whole purchase price of the property, (ii) she remains in the house and pays for all the outgoings, including taking care of their three children, (iii) she also undertakes extensive renovation and maintenance work on the house, paying for the materials and doing the manual work herself that it should be done by man normally, (iv) no fact to show in question whether any contributions made by Brian before he leaves the home. Even if he did makes any contributions for their home, for his three children, we may still able to argue that he stayed in the house for 5 years, but left everything to Anne for 18 years and stop paying anything afterwards. It is unfair to Anne if Brian able to get any shares as he did not contributes any to the p urchase price and he never contributes anything to the house, to their children in the period of 18 years he disappears. Despite the best efforts of the judges in the House of Lords and Supreme Court, there remains much uncertainty as to when the presumption that the beneficial interests should follow the legal interests will be rebutted. Although the presumption is to be rebutted in exceptional circumstances, such as in case of Stack v Dowden and Jones v Kernott. It is however, uncertain what makes a case exceptional and so allows the use of the holistic inquiry by reference to a myriad of factors, the significance of those factors being unclear. The sound of reforming the law became stronger after the case Pamela Curran v Brian Collins as the judge blasts à ¢Ã¢â€š ¬Ã‹Å"sexist lawsà ¢Ã¢â€š ¬Ã¢â€ž ¢ that left woman destitute after split from partner. Judge Sir Nicholas Wall said that women tended to lose out in most cases under the current system. Lord Justice Toulson also d escribed the current law as à ¢Ã¢â€š ¬Ã‹Å"unfairà ¢Ã¢â€š ¬Ã¢â€ž ¢, however, judge should follow the laws instead of à ¢Ã¢â€š ¬Ã‹Å"sympathy of humanà ¢Ã¢â€š ¬Ã¢â€ž ¢. Therefore, although unmarried couples believe that they are protected by common law as if they were a wife or a husband should still record each partyà ¢Ã¢â€š ¬Ã¢â€ž ¢s intentions in a legally binding document at the outset. There are some attempts to reform the law, such as Lord Lesterà ¢Ã¢â€š ¬Ã¢â€ž ¢s Cohabitation Bill, Law Commission Report (2008), Inheritance(Cohabitants) Bill been suggested in 2012 and the Cohabitation Rights Bill in 2013. Sir James Munby has also urged that reform is à ¢Ã¢â€š ¬Ã‹Å"desperately neededà ¢Ã¢â€š ¬Ã¢â€ž ¢. However, the parliament remain the law unchanged even after so many reforms and bills been suggested. Don’t waste time! 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