Cuba: Then and Now Essay -- Comparison Contrast Government Politics P

Cuba: Then and Now In the Treaty of Paris of 1898, Spain relinquished all sovereignty over Cuba. For a time, the policy of the United States toward Cuba was somewhat ambivalent. The Teller Amendment at the beginning of the Spanish-American War had pledged the restoration of Cuba to the Cubans. However, at the same time the United States was determined that it would not be placed after the war with Spain in a worse position in regard to its vital interests in Cuba than it had been when Cuba was a Spanish possession. The two men most closely associated with the U.S. relationship and administration of Cuba were Elihu Root, Secretary of War, and Leonard Wood, Governor General of Cuba. At his Washington desk, Root spent considerable time keeping a sharp eye on the Cuban constitutional convention and directing the overall campaign.1 On the scene in Havana was Doctor Leonard Wood who had gone there as commander of the Rough Riders in 1898. His first major administrative task in Cuba after the war was in Santiago province where the death rate was two hundred a day, and the filth was terrible. After burning the dead bodies in town, he curtailed the inflation and cleaned up the refuse. In addition, Wood saw that jails were inspected and that schools were secularized. Because of his accomplishments in Santiago, he was appointed Governor General of Cuba on December 12, 1899. He kept the post until the formation of the Cuban Republic in 1902. Wood did well as governor of the â€Å"Pearl of the Antilles.† On September 7, the Chicago Record-Herald reported that Cuba was on the high road to more prosperous times than it had ever experienced. There was no distress among the population of 1,572,797 other than what might be found under... ...is point from 1901-34 aroused increasing bitterness, as Root’s interpretation was not followed. On May 29, 1934, it was abrogated by the United Sates. 11 Lyman Abbott, Reminiscences (Boston and New York: 1915), 438. 12 Congressional Record, 58 Cong., 2 sess., 3379; 180 U.S. 109 (1900). 13 New York Times, September 10, 1901, 5, c. 4. 14 Philip C. Jessup, Elihu Root (New York: 1938), I, 324. 15 Edmond Wood, â€Å"Can Cubans Govern Cuba?† The Forum, XXXII (September, 1901), 66-74. 16 Congressional Record, 56 Cong., 2 sess., 3344-45, 3348, 3375. 17 See above, 33-34. 18 New York Times, September 8, 1901, 3, c. 5. 19 Literary Digest: A Weekly Compendium of the Contemporaneous Thought of the World, XXIII (September 7, 1901), 274. 20 Nation: A Weekly Journal Devoted to Politics, Literature, Science and Art, (September 5, 1901), 180, c. 1.

Describe the various stages of the typical lifecycle of an individual in the UK today and identify the most relevant financial products that should be considered at each stage Essay

Describe the various stages of the typical lifecycle of an individual in the UK today and identify the most relevant financial products that should be considered at each stage To date, the interpretation of the concept of â€Å"life cycle of the individual† has a lot of variations. In this case, the main of them wearing in one degree or another echo of the financial and economic issues, is: – The sequence of qualitatively different stages of development of the organism. – Model income and consumption over the life. With regard to the first definition, then there also exists a certain gradation, which is the existence of several theories regarding the quantitative and qualitative characteristics of the stages of the life cycle. The most famous theory of division of the life cycle of an individual on the steps of the theory are researchers such as Alpheus Hyatt, Sullivan, Thomas S. Dalton, Randy B. Evans, and also such theory as of E. Erikson and Joel Martin. The most expedient and convenient to the financial context of the question is the theory of the division of the life cycle of an individual to a number of stages by Alpheus Hyatt. This theory is the basis for the division of the life cycle of an individual to 3 stages: formation, productive phase and effective step. Phase formation covers the time period from the moment of birth of the individual up to 25 – 32 years. This period is due to the formation of life basis, so on the first stage of the life cycle is the formation of the moral aspects of the personality, the initial accumulation of experience and the formation of an information foundation that actually affects the formation of a set of financial products most commonly consumed by the population of the United Kingdom in the future. Productive stage is the second stage in the life cycle of an individual, including an individual residing in the United Kingdom. This stage lasts from the end of the formation phase of up to 54 – 62 years. This cycle is considered to be working during it productively apply the knowledge and experience gained and accumulated during the formation phase. These years were marked by a high capacity for work and the desire to implement ideas and achieve their goals. Finally, the third stage of the life cycle – score is final. It extends from the end of the productive phase until the end of life. It was during this cycle; individuals are satisfied with the achievements and receive a reward for all his works and deeds, not only morally, but also in material terms. As for the second definition of the life cycle of the individual, in this case it should be noted that in the context of the problem, the latter is more rational in terms of financial and economic sense, and as the former requires more detailed consideration, but at the same time, the latter is specifies the elements of a continuation and development stages of the first definition, namely, its financial and economic sense. In this regard, it is worth noting that in the present world context of the above issue, it is a rational assumption that, as a rule, children who actually represent the first stage in the life cycle, live at the expense of their parents, if we talk about the first part of the first phase life cycle, namely up to 18 years, speaking about the citizens of the United Kingdom. In addition, the first stage of the life cycle, as well as generally achieved the highest level of consumption, which is due to a period of the early years of adulthood, and forcing a number of items to purchase household goods and parenting. Such financial and economic characteristics of the first period of the life cycle, flows smoothly into the second, but in the first case applies the highest consumption level in the second half stage , what concerns the productive phase of the life cycle, in this case, the highest consumption level in the first half of the spread phase. This model leads to a model of savings, which are usually small in the early years of adulthood, high in the period after the children have grown and become negative during retirement. Thus, the youth begins with low incomes (1th stage of the life cycle), which is gradually increased until it reaches middle age (the 2nd stage of the life cycle), and then the characteristic of income is the sharp decline stage (third stage of life cycle), due to retirement. Usually, the third stage of the life cycle as well due to the receipt of earned income and more (to the end of life), but usually in smaller amounts. Consequently, the assets of households tend to grow until retirement and a reduction thereafter. â€Å"Start† and whether the â€Å"finish† if in fact the assets at zero depends on how society relates to the question of inheritance: the majority of people, particularly those who living in the UK leave positive assets at the time of his death, if only because they do not know when it will happen. Also worth noting, and take into account when considering the life cycle of a typical person in the UK today, the fact that the life-cycle model of savings assumes that the distribution of assets will be uneven between households, even if their incomes and social positions within the same life cycle. Along with all the above, it should be noted that all life cycle stages listed above are typical for any individual residing in the territory of more and less economically developed countries in general, and for individuals residing in the territory particularly the United Kingdom. Considering the financial products as part of normal everyday life of individuals living in the United Kingdom in each of these stages of the life cycle, it should be noted that financial products are integral part of daily life. With regard to the factors described through the use of financial products throughout the life cycle of the individual resided in the UK to date, it should be noted that the most common financial products today are shares, loans, particularly mortgages, deposits, options, futures, swaps, those insurance some aspect of life and objects, as well as commodity contracts and interest rates. All of the above financial products individuals residing in the United Kingdom is used throughout the life cycle. At the same time, depending on the stage of the life cycle of an individual uses certain financial products, inherent to its needs relevant to this stage. At the first stage of the life cycle, so from birth to 25 – 32 years, United Kingdom for individuals most relevant is the use of such financial products, such as long-term and Short-term loans, particularly mortgages, compulsory insurance, in particular, Medical insurance, pension insurance and liability insurance, in addition, quite common in the above-mentioned period of the life cycle of an individual is the UK property insurance. At the second stage of the life cycle, so from 25 – 32 years and 54 – 62 years of the United Kingdom most individual relevance use financial products such as stocks, options, futures and swaps , as well as commodity contracts and interest rates. At the same time, so it should be noted that at this stage of life do not lose relevance and financial products such as compulsory insurance and property insurance, as well urgent to use life and health insurance. Thus, considering all of the above it should be noted that the second phase of the life cycle of an individual residing in the UK, today used the widest range of financial products than during other stages. The reason for this state of affairs is the fact that it was during the second stage of the life cycle, as a rule, most individuals who living in the UK reach a peak of career, have a family, get a certain amount of real estate and other property, as well as characterized by the highest level of wages for all life cycle. In the third stage of the life cycle, the most relevant financial products used by individuals of the United Kingdom are the deposits, most types of insurance, especially with regard to life insurance, as well as the most reliable stocks and other securities. As seen from the above, in the third stage of the life cycle most individuals are trying to best protect their use of financial products, reducing the risks to minimum that is logical, given that the reporting stage of the life cycle lasts from 54 – 62 years until his death. Analyzing the life cycle of an individual United Kingdom, as well it should be noted that the only financial product that is gaining relevance for UK citizens at the stage of formation, and does not lose so for productive and efficient life-cycle stages is insurance. In this case, depending on the stage of the life cycle are added only certain types of insurance and insurance objects. This situation is related not only to the existence of the United Kingdom of compulsory insurance, which in itself suggests the beginning of the use of insurance to meet individual age and continues until death, but also the factor that the whole life cycle of the individual accompanies a number of risks of varying complexity and specifically, these risks relate to most other financial products used by individuals throughout life. Of course, the actual separation of the above financial products for individuals residing in the United Kingdom is far from ambiguous, since it depends not only on the age group that falls under one or another individual, but also on other factors, for example such as the scope of activities, family status, presence of children, average salary, and others. For example, the likelihood that students will benefit from the mortgage insurance or property is extremely small, but if the stage of formation (in the second half of the stage) the individual is enrolled in higher educational institution (for example in postgraduate) has a wife and / or children, the probability of acquiring such individual mortgage and other long-term loans, as well as property insurance, increases dramatically. Along with this, there is an example of a large homeowner or just an entrepreneur and working diner, which are on the second stage of the life cycle. Range of financial products an individual representing the first and second class will be significantly different. For the first and most urgent is to use various tools to expand their existing business, by finding additional sources of joining the capital, one of which is the acquisition of commodity contracts, options, futures and swaps, as all of these financial products can not only increase the capital of the individual, but and to do this in the shortest possible period of time in comparison with other financial products. For an ordinary worker, all financial products relevant to a wealthy individual would not be as relevant for a given individual will acquire greater relevance compulsory insurance and the use of shares and promissory notes. However, at this graduation, presented earlier are the most widespread and the most relevant classification of financial products such individuals regarding the use of the United Kingdom. Reference List 1. Alpheus, H. (1902) Cycle in the life of the individual (Ontogeny) and in the evolution of its own group (Phylogeny).

Technology and Art Essay - 1275 Words

Technology and Art Many centuries ago, art was rendered inaccessible by the masses and was reserved for the few high society members who had the means of access to appreciate history in the making. Through the use of technology, art has been made hugely accessible by the ability to trade media forms, mainly through the Internet and other technological means. Much like the printing press was for literature with Gutenberg in 1445, technology has heightened art and moreover, the expression of it. Technology has enhanced art through the main use of graphics, both computer and animation, the communication of it, and musically it has enhanced the quality and distribution. It has launched us into the twenty-first century full†¦show more content†¦It has proved to be a very effective pipeline that has literally opened up new worlds for people in an internet cafà © in New York to see new art work that was produced in China. Technology, mostly the Internet in terms of communication, has broadened the world or more likely, shortened it to the point of just an internet address away from being literally almost anywhere in the world. Computer graphics have come a long way since the days of â€Å"Pong† and â€Å"Tetris† and has now been developed and advanced to an art form with the specific examples of Japanese Anime and Disney animation now becoming mainstreams. The computer rendering also has come a long way as evident in the new blockbuster movies â€Å" Blade II† and â€Å"The Matrix†, and the soon to be released â€Å"Spider-Man† where it seems as though the human actors are meshed with animation tidbits and the characters can be made to be seen as literally flying or partaking in acts of seemingly superhuman feats. The movies’ stories don’t differ much from the old superheroic movies like â€Å"Superman†. 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Multicultural Marketing - Free Essay Example

Sample details Pages: 10 Words: 3011 Downloads: 1 Date added: 2018/12/18 Category Marketing Essay Type Research paper Level High school Tags: Organization Essay Did you like this example? Abstract This research proposal aims at investigating, examining, and evaluating strategies of multicultural sales employees in the Auckland residential housing market. Also, there is an identification of differences in the multicultural sales employees, to assist the organization to identify specific issues that would improve overall market efficiency. The introduction explains the multicultural sale employees. Don’t waste time! Our writers will create an original "Multicultural Marketing" essay for you Create order The literature review gives main points of the strategic multicultural sales employees. Methods, results, and discussions, supplement the literature review information to complete the research proposal. This research helps all concerned parties in an organization, to understand the position of multicultural sales employees in the Auckland residential housing market. Introduction Multicultural marketing involves marketing to one or more target group of a specific ethnicity. Multicultural marketing is improved by the different cultures in the ethnic groups. Some advantages that accrue due to communication and persuading the audience are traditions, celebrations, language, and religion. Consumers from different cultural background have mixed motives, perceptions, and beliefs that Multicultural marketing allows. International marketing would work with the national marketing to understand the Multicultural marketing of the region. There are some ways of having Multicultural sales employees in an organization (Arnett, 2014). First, as the top authority of a company, one should work with the human resource staffers. This helps to diversify the organizations workforce. Second, a high administration should get buy-in from the sales force members. In this way, hiring a professional to perform counseling on diversity, suits. Other methods are exploring the communitys c oncentration of minorities, work a fully cognizant recruiter, having a mentioning system in place, get to know the relationship among sales staffers, and maintain a level of the playing field. In the research, there would be examining, investigating, and evaluating strategies of Multicultural sales employees in the Auckland residential housing marketing. Bar foot Thompsons is the company that is to be referred to as the point of reference. The main aim is to identify the sales employees difference and help the organization note major issues that will improve the market efficiency. Barfoot Thompsons are found IN New Zealand, and it is the largest privately owned Real Estate Company. The company practices Multicultural marketing that helps it and in other ways affects it negatively (Arnett, 2014). Dwelling on the negatives to improve the status of the organization is the main aim of the proposal. There are communication challenges that are as a result of Multicultural marketing in Barfoot Thompsons Company in Auckland. Such problems to be addressed are direct versus indirect communication, accents and fluency trouble, hierarchy and authorities having different values, an d different norms for decision making. There are two variables in the Multicultural marketing. Employees perception and business performance are the variables that would change the situation at the Multicultural marketing. Thesis: despite Multicultural marketing having advantages to a company, it has demerits that would drag a business behind, not unless these cons are considered and appropriate measures applied to them. My research revolves around the Multicultural marketing of the sales employees in Barfoot Thompsons Company. It will locate the issues that make the company not to perform, that originate from the Multicultural matters, and address them accordingly (Arnett, 2014). The fundamental concept here is Multicultural marketing, which merely means having different cultures in the business places. Therefore, Multicultural marketing is the matter of concern that needs to be examined, investigated, and evaluated. Literature review This research deals with the current issues that affect Multicultural marketing in Barfoot Thompsons Company. Multicultural involves different cultures in working in the same place. Such perceptions have various ways of handling problems in real life situation. Once they are together, there needs to be a general guidance that would direct them to work together to reduce the difference gap. Overlooking the unity in such a scenario would widen the gap and hence support sharp division amongst the employees of a Company (Arnett, 2014). Therefore, eliminating the differences by having major combining factors is suitable because both the employees and the workers would benefit. There are four main issues of concern in the Multicultural marketing of sales employees in Barfoot Thompsons Company. These demerits are direct versus indirect communication, trouble with fluency and accents, different perceptions towards hierarchy and authority, and various norms for decision making. These chall enges concentrate on the transmission of the Company. Communication is a crucial concept in organizations without which, agencies will perform terribly (Basham et al., 2015). Indirect versus indirect connection, there is comparability between the Western and non-western cultures. The Western civilization is termed direct because it is obvious. The other religions express themselves in different ways. Hence, communication between the non-western and Western is a problem. The challenge comes in the verbal communication; thus the other parties result in communicating with signs. The trouble with accents and fluency is the other challenge that sales employees working in Barfoot Thompsons Company face. People who do not use English would meet the challenge of low self-esteem. They think that they are not recognized and noticed in the running of the business. Hence, this results in part of the employees not contributing to the success of the company. This situation causes interpersonal conflict and frustrates the affected people. Different attitude (Basham et al., 2015)es towards hierarchy and authority are the third issue. Some cultures have employees treated differently according to their ranks. The workforce ends up being disconnected, making some employees feel left out and not recognized. The final part of the challenges in the communication sector in the Barfoot Thompsons Company is the norms that conflict with decision making. Different cultures have their specific ways of reaching an argument and make final decisions. This entails the time it takes to make a decision and steps followed in making the decisions. This comes in as a challenge when people of different cultures are brought together (Basham et al., 2015). If there were directions of what to do, profound differences would be created in the meantime. All these four challenges in the communication sector of the Company are real and can be tackled. Communication means everything to an organization. Proper communication channels laid in any group of the relevant parties to follow enable a good performance from the body, thus portraying a right image to the external environment. Poor communication methods in an organization should hence be discarded. A culture of awareness is built in the prosperous agencies to inspire employees have unity despite their cultural differences (Basham et al., 2015). The result of a good relationship amongst the employees and between the employees and the employer has positive effects. Collaborations, new ideas, and different perspectives are some of the positive outcomes of having best communication channels. Methods In this research, there are various ways that I used to examine, investigate, and evaluate the strategies of Multicultural sales employees in the Auckland residential housing market. The methods helped me solve the crude problems that encounter them as workers of different cultural background (Demangeot et al., 2015). These plans were using of questionnaires, having face to face conversation with some of the employees, using previous researchers conducted to solve the problem, and getting some information from bodies that are concerned with employees welfare. Questionnaires were a great deal. I produced some copies that could be answered by relevant people and went to distribute them. In the inquiries were questions like: What are the most significant challenges that employees face? What invigorates the situation? How do you curb the challenges? What are the results of having control of the situation? All questions from various Companies were well answered. I thought it appropriate for Barfoot Thompsons Company to follow the same to have an improvement in their communication sector. Face to face communication was helpful too. Going to various companies and asking them direct questions of what they encounter was appropriate. It also gave them the courage to speak out from the bottom of their heart thus psychologically solving the internal fight due to the issue (Erford, 2017). This strategy was perfect because everyone could explain to me what they are going through and possible solutions or what they went through and how they solved the problems. I took notes on the most sensitive and general parts, which I thought they could be helpful to the employees at Barfoot Thompsons Company. I realized the answers and situations from various organizations were common and knew they could have positive impacts on the problems. There were researches done before over the same issue on different organizations. Such documented activities were of great importance to my research too. According to what was recorded for the past periods, employees who face the same cultural-based problems came up with different routes of handling the situation (Feldman, 2016). Some could talk to one another to have the problem solved. Those who had high differences involved mediators in presiding over solving the problems. Also, top authorities paid for seminars for the employees to appreciate the differences they have regarding cultural diversity. These tips were constructive and applicable according to my rational thinking and empirical approach to human normalcy. I included them in summary in my research to help solve the current and relative problems. Barfoot Thompsons Company found it necessary to have the same applied to its employees too. Some bodies cater for the welfare of employees. These agencies are conversant with predicaments employees go through and give solutions to such problems. Hence I found it according to approach such institutions to have an idea of how they view cultural differences amongst employees. The management explained to me the same issues I encountered while having a direct conversation with the employees (Haubl, 2015). Also, the authority in the institutions gave me appropriate and most effective ways of controlling the differences amongst the employees in any organizations. I added on what I had what I found to be a new development in handling the issue of employees cultural diversity. The team that caters to the employees welfare was concerned and gave me all detailed information of what I asked for. Results Despite the drawbacks that face a company which is comprised of employees with different cultural values, there are various ways of dealing with the situation. Some of the central actions to be taken are keeping an open mind, having at least some knowledge of peoples culture, practicing active listening, and watching personal non-verbal communication (Jafari Visconti, 2015). Keeping an open mind refers to being ready to learn, grow, and strengthen ones belief. It also builds up the culture of being honest. Being open-minded facilitates honesty because one admits that they do not know all things around. Being open-minded encourages one to need to know more than what they already know. There are benefits of being open-minded that helps in the proper running of an organization (Koppelman, 2016). The pros from practicing open-mindedness are letting go of control, experiencing changes, makes one being vulnerable, people would make mistakes and learn from them, strengthening oneself, bein g honest, and gaining confidence. When all these are practiced, it means being open-minded would help employees curb their differences. Also, having some knowledge of peoples culture is vital for reducing the gap created by a difference in employees culture. Unity is the last resort amongst the employees once they understand what the other culture requires (Miley et al., 2016). This is brought up by being open-minded: ready to learn. Some advantages of knowing other peoples culture are, dismantling the dominance by some religion, employees becoming more efficient, the new level of awareness develops, work becomes more efficient, and opportunities are recognized in every encounter. Contrary to the diversification situation, knowing peoples culture helps bring the people working together close to one another and erase the doubts. Dominating the environment by one culture becomes obsolete under this application. Appreciating the presence of different cultures makes the other parties feel involved hence working together without majority and minority. Employees become efficient at their workplaces because there is increased interaction and people are ready to work by the rules of the organization (Nardo et al., 2017). Also, there would be a development of new levels of awareness. The different cultures would express their grievances and such an exchange when absorbed inclusively, the work flow is maintained at a flat rate. Therefore, the smoothness of the workflow makes the work more efficient. Such a free working zone enables the employees to realize new opportunities since all concentration is converged at work. Practicing active listening is another way of reducing the diversity amongst workers. If people would avoid ignorance and appreciate what the other parties tell them, this leads to a healthy working environment among the employees (Pertersan et al., 2015). Listening improves the employees ability to understand one another well and look for appropriate solutions to problems affecting their work, rather than being separated. Finally, watching ones non-verbal communication is vital in the presence of Multicultural marketing. Non-verbal communication comes in different ways among the different cultures. Despite the fact, there are general non-verbal communications that are accepted globally. In a situation where the employees cannot communicate well verbally, they are advised to use appropriate non-verbal communications, like using signs to convey messages. Therefore, using the worldwide non-verbal communication is suitable because it would make it simple for the people working together understand one another (Seo, 2015). Such an act would reduce disagreements, save time, and lead to improved production of quality goods and services. Hence, improving the communication levels at workplaces entailing cultural diversity lessen the difference gap and ends up having quality results. Discussions Employees have the same issues to address when it comes to cultural diversity. When they are working together, and as norm find that they differ in their perception about approaching the same thing, they end up organizing themselves on how to encounter the problem. Such a move is crucial to the workers as it helps them have unity and get the way forward. It saves time and keeps organizations on the track of the strategic plan they had since the beginning. Also, loopholes that occur within communication channels are sealed, and activities carried on swiftly. I realized that cultural diversity ha more harm than good when practiced among employees working in the same organization (Basham et al., 2015). Parallel cultural practices when curbed would lead to employees sorting out issues that are of concern to them hence improving the organizations performance level. The problems were sorted out after enough research was done. Communication is the main problem that employees would suffer from in their endeavors to perform in their respective organizations. Questions that related to the communication channels were, direct versus indirect communication, trouble with accents and fluency, different attitudes towards hierarchy and authority, and various norms for decision making (Basham et al., 2015). The variables which were employees perception and business performance were affected too. Employees thoughts could be positive if directed well and negative if the relevant parties did not bother. Also, when the employees worked together, the business would perform better, compared to when they are divided. Hence, unity amongst the employees was found to be a vital issue. Such togetherness erased negative thoughts and encouraged the employees to work well. Conclusion In conclusion, examining, investigating, and evaluating strategies of multicultural sales employees in the Auckland residential housing market as possible. Though there were cons realized due to the different cultural practices by the employees working together, steps to curb such developments were arrived at in excellent condition (Basham et al., 2015). Problems that led to employees differences were direct versus indirect communications, trouble with accents and fluency, different attitudes towards hierarchy and authority, and different norms for decision making. Though the issues were chronic, I found possible solutions through using questionnaires, face-to-face approach, using previous researchers conducted, and getting information from bodies that cater for the welfare of the employees. Variables affected were found to be employees views on working for organizations and how the business performed. Multicultural marketing acknowledges the difference in how employees think, intrinsic motives and beliefs among the consumers who have various cultures, and makes use of norms in the literature from different cultures to have organizations benefit more. Cultural differences need to be pinned out for a multicultural marketing to succeed (Basham et al., 2015). International marketing has to work with national marketing to reduce the cultural diversity amongst the employees. Global marketing assesses national marketing through social media, education, Gross Domestic Product, and product category data. Both secondary and primary data assist in determining the cultural value. Primary data need face to face communication in handling the issue. Secondary data are approaches like going to the institutions that cater for the employees welfare. Individual data are combined at the national level and linked to the country level or pre-existing country-level measures. Hence, cultural diversity i s solved, and employees work accordingly. References Arnett, J. J. (2014). Adolescence and emerging adulthood. Boston, MA: Pearson. Basham, K., Byers, D. S., Heller, N. R., Hertz, M., Kumaria, S., Mattei, L., Shilkret, C. J. (2016). Inside out and outside in: Psychodynamic clinical theory and psychopathology in contemporary multicultural contexts. Rowman Littlefield. Demangeot, C., Broderick, A. J., Craig, C. S. (2015). Multicultural marketplaces: new territory for international marketing and consumer research. International Marketing Review, 32(2), 118-140. Erford, B. T. (2017). Orientation to the counseling profession: Advocacy, ethics, and essential professional foundations. Pearson. Feldman, R. S. (2016). Life span development: A topical approach. Pearson. Hubl, G. (2015). Consumers perceptions of uni-and bi-national products: the interaction of country of origin and brand name. In Proceedings of the 1996 Multicultural Marketing Conference (pp. 61-61). Springer, Cham. Jafari, A., Visconti, L. M. (2015). New directions in researching ethnicity in marketing and consumer behaviour: A well-being agenda. Marketing Theory, 15(2), 265-270. Koppelman, K. L. (2016).? Understanding human differences: Multicultural education for a diverse America. Pearson. Miley, K. K., OMelia, M. W., DuBois, B. L. (2016). Generalist social work practice: An empowering approach. Pearson. Nardon, L., Steers, R. M., Sanchez-Runde, C. J. (2017). Developing Multicultural Competence. Challenge. Petersen, J. A., Kushwaha, T., Kumar, V. (2015). Marketing communication strategies and consumer financial decision making: The role of national culture. Journal of Marketing, 79(1), 44-63. Seo, Y., Gao, H. (2015). Towards a value-based perspective of consumer multicultural orientation. European Management Journal, 33(1), 30-36.

Journal of Accounting and Economics - 13482 Words

Journal of Accounting and Economics 35 (2003) 347–376 Management of the loss reserve accrual and the distribution of earnings in the property-casualty insurance industry$ William H. Beaver, Maureen F. McNichols, Karen K. Nelson* Department of Accounting, Graduate School of Business, Stanford University, Stanford, CA 94305, USA Received 2 March 2002; received in revised form 14 January 2003; accepted 27 January 2003 Abstract We document that property-casualty insurers with small positive earnings understate loss reserves relative to insurers with small negative earnings. Furthermore, loss reserves are managed across the entire distribution of earnings, with the most income-increasing reserve accruals reported by small proï ¬ t ï ¬ rms,†¦show more content†¦We also provide evidence on management’s exercise of discretion over the entire earnings distribution rather than only in the area immediately around zero. The magnitude and frequency of earnings management is of signiï ¬ cant interest to standard setters and regulators, but existing research provides little relevant evidence (Healy and Wahlen, 1999; Dechow and Skinner, 2000). Our analysis indicates that earnings management occurs across the entire distribution of reported earnings, with earnings management by small proï ¬ t ï ¬ rms accounting for only a fraction of total earnings management activity. Speciï ¬ cally , we ï ¬ nd that the least proï ¬ table ï ¬ rms understate reserves relative to the most proï ¬ table ï ¬ rms. This evidence is consistent with PC ï ¬ rms managing loss reserves to smooth earnings rather than to take an earnings ‘‘bath.’’ Our second research objective is to examine the effect of ownership form and ï ¬ nancial condition on management of the loss reserve accrual and the distribution of earnings. Because the extent of owner–manager and owner–policyholder conï ¬â€šicts varies across public, private, and mutual insurers (Mayers and Smith, 1988, 1994), incentives to manage earnings are also likely to vary.1 For public and mutual insurers, we ï ¬ nd that small proï ¬ t ï ¬ rms signiï ¬ cantly understate loss reserves relative Concurrent research by Beatty et al. (2002) examines whether there is a discontinuity in the distribution of earnings changes for public and private banks. 1 W.H.Show MoreRelatedThe Timeliness Of Corporate Reporting : A Comparative Study Of South Asia1031 Words   |  5 PagesA comparative study of South Asia. Advances in International Accounting, 16, pp.17-43. [2] Ajinkya, B. and Gift, M. (1985). Dispersion of Financial Analysts Earnings Forecasts and the (Option Model) Implied Standard Deviations of Stock Returns. The Journal of Finance, 40(5), p.1353. [3] Alford, A. and Berger, P. (1999). A Simultaneous Equations Analysis of Forecast Accuracy, Analyst Following, and Trading Volume. Journal of Accounting, Auditing and Finance, 14(3), pp.219–240. 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The first option records the acquisition of Drug X and OuchX into an intangible account -- â€Å"ownership†. In the case of transfer ownership of the IPRD of Drug X from Brust-a-Knee to Pharmers, Brust-a-Knee receives $2 million cash and incurred $2 million loss. The disadvantage of treating the $2 million loss into the expense account of Drug X is there may be future economic benefits for Brust-a-Knee to sell Drug XRead More Foensic Accounting Essays874 Words   |  4 PagesFoensic Accounting Corporations are often the victims of the most common white-collar crimes that occur in corporate America. According to the Association of Certified Fraud Examiners (cfenet.com), â€Å"abuse and fraud by employees cost U.S. organizations more than $400 billion annually†¦[which equals] $9 per employee per day.† These statistics show the corporate need for forensic accountants, there also is an immense demand for these specialized accountants in the private sector. For exampleRead MoreThe For The Indonesian Financial Accounting Standards Board1042 Words   |  5 PagesYou are a recent accounting graduate working for the Indonesian Financial Accounting Standards Board (the â€Å"Board†). Your manager has asked you to prepare a report, which is to be presented to the Board. This report should: Executive Summary 1. Advantages As the development of globalization in economics in recent years, there is increasing popularity of IFRS. Based on the research(Shima and Yang 2012), there are more than 100 countries adopting the IFRS for their accounting standards. As IFRSRead MorePrincipal vs Rule Based Accounting1733 Words   |  7 PagesAn Insight on IFRS versus U.S GAAP amp; Implications of IFRS adoption on Financial Statement and Accounting Quality Q2) Principle and rule-based accounting reflect different approaches to accounting. The pros and cons of rule-based accounting (RBA) and principle-based accounting (PBA) are as discussed. 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The Awakening Edna free essay sample

# 8217 ; s Struggles # 8230 ; Essay, Research Paper The Awakening In the beggary of chapter 10 a crowd makes their manner down to the beach. All summer Edna has been unable to larn to swim. She all of a sudden decides to swim where no adult female has swum earlier. As she enters the H2O, everyone praises her success. As she swims out farther and recognize how far she has gone, she gets the feeling of decease, and struggles back to shore. I think that larning to swim is a metaphor for Edna s sexual waking ups. Her success at swimming symbolizes her desire to arise against the societal conventions. On the other side of it, Edna s rebellious actions are non every bit strong as the will she needs to manage the effects of withstanding the societal conventions of the society. Edna s failed effort to swim where no adult female has swum before foreshadows her eventual self-destruction. We will write a custom essay sample on The Awakening Edna or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page Edna s sexual rousing grows as she lies on her porch knoll. In the silence, Edna feels an intense desire for Robert. In the Victorian society adult females were non supposed to hold sexual feelings that were non directed towards their hubbies. These feelings explain Edna s growing as an person. Furthermore, when Edna decides to travel into her ain house, she takes merely things that she has bought with her ain money. Her move represents her go oning quest for independency. During her move Edna wears merely an old gown and a hankie, non her usual confining apparels that are set by society. Edna calls her house the # 8220 ; pigeon house. # 8221 ; Birds have a symbolic significance in the whole book, Edna has chose to wing and get the better of the societal conventions. Subsequently when Edna goes to the beach, she removes all of her vesture, the concluding beds of curtailing vesture and stands naked on the beach. A bird with a broken wing clangs into the ocean. The bird symbolizes Edna # 8217 ; s failure to accomplish the end that she has been seeking to achieve throughout the novel. Throughout the novel, Edna seeks independency. Her series of waking ups are largely about accomplishing this end. In the terminal, Edna s freedom is achieved by decease. Death is the lone free dom that societal conventions allow her.

The Matrix review Essay Example For Students

The Matrix review Essay The Matrix is a jaw-dropping, action packed thriller, based on the fight between good and evil. It pushes the boundaries of science fiction to new extremes, with a blend of special effects and eye dazzling martial arts, which will leave the audience nonplussed. The talented Wachowski brothers have pulled out the stocks, and beyond. As they have created the best movie to hit the screens this year. The plot is about a man called Neo, who lives a double life. The first one is working for a respectable software company; the second is being a computer hacker. But little dos he know that he is living in a dream world, controlled by super computers. That is until he meets Morpheus, who is part of a rebel group fighting against the machines. However, they will never triumph until they find the prophet, the Jesus of the time.. The talented brothers, Larry and Andy, are new comers to the film industry, with only a selection of films produced, such as the nostalgic twisted Bound, The story line isnt very complex: Violet (Jennifer Tilly) and her lesbian lover, Corky (Gina Gershon), plan to steal two million dollars from Violets connected husband, Caesar (Joe Pantoliano). We will write a custom essay on The Matrix review specifically for you for only $16.38 $13.9/page Order now However, the Wachowski brothers twist and turn this uncomplicated idea into a fairly tangled web of intrigue. The concept of good verses evil, man verses machine has been seen before in such films like the Terminator. Although the ideas may not be authentic and original, the philosophy behind the film most certain are. With its mind bending, complex plot, challenging beliefs which include God and it questions the one thing which is in the back of everyones mind What is reality. It sublimes the viewers to think that reality is incoherent, and that they are living in a dream world. The film raises a delicate question in a refined way, and tells the audience that reality is our enemy. It explains that the only purpose for the human existence is to serve as a battery for the super computers which control us. When Neo is told this, he cannot coupe and cracks. Wouldnt we all? What is a film without actors? Well the Matrix is the deal, with: Keanu Reeves playing the lost and confused Neo, thought to be the prophet; Lawrence Fishbone, the wise and respected Morpheus; Carrie-Ann Moss, the fighting woman with her undoubted strength; and finally the infectious Agent Smith, the Jew setting out for Jesus. The acting in this film is superb with the characters played by the right actors. Some of the actors have been seen in other films, such as Keanu Reeves staring in Bill and Ted. He is seen as the daft and foolish Ted Logan, going back in time and having strange adventures, with his friend Bill. However, Keanu Reeves in the Matrix is a much changed and reformed character, staring as the confused and mystified Neo. The directors, being manga artist, have implicated their talents into the astonishing special effects, such as the never seen before slow mo and bullet time. They explore the realms of gravity and deify the impossible as they allow characters to dodge bullets, and climb up walls with an adroit look. It makes gun fighting a thing of beauty, as characters are flung across the room, shooting and dodging bullets at the same time. With these effects, it gives the film more of a computer generating setting, which it is intended on being. The effects were also used in fighting scenes. This is why the fighting scenes are so distinguished, so co-ordinated and so choreographed. .uf18b6478547bd8eb312e79a3c9c34ff7 , .uf18b6478547bd8eb312e79a3c9c34ff7 .postImageUrl , .uf18b6478547bd8eb312e79a3c9c34ff7 .centered-text-area { min-height: 80px; position: relative; } .uf18b6478547bd8eb312e79a3c9c34ff7 , .uf18b6478547bd8eb312e79a3c9c34ff7:hover , .uf18b6478547bd8eb312e79a3c9c34ff7:visited , .uf18b6478547bd8eb312e79a3c9c34ff7:active { border:0!important; } .uf18b6478547bd8eb312e79a3c9c34ff7 .clearfix:after { content: ""; display: table; clear: both; } .uf18b6478547bd8eb312e79a3c9c34ff7 { 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; } .uf18b6478547bd8eb312e79a3c9c34ff7:active , .uf18b6478547bd8eb312e79a3c9c34ff7:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #2C3E50; } .uf18b6478547bd8eb312e79a3c9c34ff7 .centered-text-area { width: 100%; position: relative ; } .uf18b6478547bd8eb312e79a3c9c34ff7 .ctaText { border-bottom: 0 solid #fff; color: #2980B9; font-size: 16px; font-weight: bold; margin: 0; padding: 0; text-decoration: underline; } .uf18b6478547bd8eb312e79a3c9c34ff7 .postTitle { color: #FFFFFF; font-size: 16px; font-weight: 600; margin: 0; padding: 0; width: 100%; } .uf18b6478547bd8eb312e79a3c9c34ff7 .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; } .uf18b6478547bd8eb312e79a3c9c34ff7:hover .ctaButton { background-color: #34495E!important; } .uf18b6478547bd8eb312e79a3c9c34ff7 .centered-text { display: table; height: 80px; padding-left : 18px; top: 0; } .uf18b6478547bd8eb312e79a3c9c34ff7 .uf18b6478547bd8eb312e79a3c9c34ff7-content { display: table-cell; margin: 0; padding: 0; padding-right: 108px; position: relative; vertical-align: middle; width: 100%; } .uf18b6478547bd8eb312e79a3c9c34ff7:after { content: ""; display: block; clear: both; } READ: Film Analysis The Life of David Gale EssayThe actors had to learn Kung-Fu from scratch and so they had to go through a vigorous four months training, to get the moves and techniques perfect. With the special effects, the jumps, kicks and perfectly timed punches will certainly blow your mind away. The Wachowski brothers took a different approach to the way the characters are dressed. Normally you will see the villains dressed in tight black clothes; however they do not. The brothers made the heros dress up in tight black clothes, and the villains in black fitted trousers suits with black sunglasses. I think that the directors did this to make good people look rebellious and seen as a resistant, which they are. The bad guys compared to the heros, seem as if they stand a chance, although this is far from the case. Another attribute of this film was the music. They had a variety of songs and tunes played, ranging from def-tones and heavy metal, to orchestral and classical melodies. The fight seen would have not been as exhilarating without the use heavy metal and fast past tempos. The music also makes the film feel more down to earth, as it does lacks in some parts of the film, with orchestral music played in sad scenes. Overall, I think that this is the best film of the year, even decade! This is because it stands out from other films, especially science fictions, as it has pulse raising fighting scenes and dramatically stunning special effects, with all the techno-babble left out, and of course, the Wachouski brothers wired and delusional view of the creation and existence of man kind today. This is truly a must see film, after all, no one can tell you what the Matrix is; you have to see it for yourself.