Saturday, December 28, 2019
Friday, December 20, 2019
Shop Owners Of A New York - 1596 Words
I. Introduction Vivian Yee wrote an interesting article, titled ââ¬Å"Shop Owners in a Changing Brooklyn Decide to Call It Quitsâ⬠at the New York Times on May 25, 2015.1 This article describes the changing situation in Brooklyn has caused small business owners in this borough decide to exit the market. The author mentioned that the property values and the rent fees increased significantly. Furthermore, the Brooklyn that previously occupied by small businesses such as a Polish sausage and craft-beer emporium Eagle Provisions; Caffe Edison; Pen Books; De Robertis Pasticceria and Caffe; Teddyââ¬â¢s Bar Grill, has transformed into banks, luxury apartment buildings, gym and other upscale chain stores. Jeremiah Moss, in his article in NY Daily News, titled ââ¬Å"The NYC we love is disappearing: Itââ¬â¢s becoming a hollow city for hollow peopleâ⬠, wrote that ââ¬Å"wherever the towers of big development rise, the rents rise with themâ⬠. 2 He declared that the median rent for vacant apartments is about 60% of median income. And for business spaces, the landlords are doubling, tripling, even octupling the rents or denying lease renewals. They preferred to leave the spaces vacant for months or years, waiting for the highest bidder with the very high rent fee, such as $40,000, $60,000, $80,000 a month. This caused small businesses to close down. Businesses that have closed are not the new ones, instead, businesses that have long runs of more than 20 years, even more than 100 years, such as Teddyââ¬â¢s Bar Show MoreRelatedThe Effects Of Revivals And The Transformation Of Politics And Reform During The 1830 S Essay1478 Words à |à 6 PagesThe Power of Revivals in Roche ster, New York Paul Johnson, professor of history at the University of South Carolina, addresses the issue of rapid capitalization and connects it with politics, economy and religion in the small, rural town of Rochester, New York. In his book, The Shopkeepers Millennium: Society and Revivals in Rochester, New York, 1815 ââ¬â 1837, he poses the question, ââ¬Å"What precisely were the links between revivals and the transformation of politics and reform in the 1830ââ¬â¢s?â⬠FurthermoreRead MoreEssay about Triangle Shirtwaist Fire1710 Words à |à 7 Pages Triangle Shirtwaist Fire nbsp;nbsp;nbsp;nbsp;nbsp;Near closing time on Saturday afternoon, March 25, 1911, in New York City a fire broke out on the top floors of the Asch Building in the Triangle Shirtwaist Company. One of the worst tragedies in American history it was know as the Triangle Shirtwaist Fire. It was a disaster that took the lives of 146 young immigrant workers. A fire that broke out in a cramped sweatshop that trapped many inside and killed 146 people. ThisRead MoreEssay From Germany To America839 Words à |à 4 Pagesat a bakery in Manhattan. They met the owner, her name was Karin Shafer, a German name. My grandma and her sister decided to open up to Karin and tell her their real names and the story of how they ended up getting to America. It turns out that Karin was also an immigrant who came to America before WW1 in 1910. In New York city, it is common for business owners to live above their shops in the floor above. Karin actually rented apartments from above her shop and gave an apartment to them at a discountedRead MoreThe Building Owned By The Triangle Waist Company1561 Words à |à 7 Pages On a Saturday afternoon, March 25, 1911, a fire started on the top floors of a factory in New York, The Asch Building owned by the Triangle Waist Company. According to the owners, Max Blanck and Isaac Harris were practicing a common procedure in many factories to prevent workers from taking extra breaks and preventing theft. They locked the exit doors. These owners, werenââ¬â¢t held accountable for the deaths of the 146 employees. Numerous workers could not escape from the eighth, ninth and tenth floorsRead MoreTHE RESPONSIBLE BUSINESS 1025 Words à |à 5 Pagesof this process. Certainly, in the case of the two explosions, more blame is initially placed on the employee and the corroded pipe. The employee is the one who could be blamed, because it is his actions that caused the explosion directly, yet the owner of the factory is also at fault for allowing the pipe to go unmaintained. This situation, in our culture, is shocking because actions are frequently taken by other companie s to protect their employees. Safety inspections are so common that obviousRead MoreAnalysis Of The Article The Nice Nails And Perfect Nails, Poisoned Workers 1150 Words à |à 5 PagesSangit Tamang MGT 330 The NYC Nail Polish In the New York Times articles, ââ¬Å"The price of the nice nails,â⬠and ââ¬Å"Perfect nails, Poisoned workersâ⬠by Nir the NYtimes journalist (2015) describes how the manicurists of NYC are being exploited by their employers, underpaid and bear ethnic prejudice due to lack of legal investigation. The manicurists are subject to work in poor health and safety conditions meanwhile the owner enjoys the luxuries of profitable sums by wage exploitations. The averageRead MoreManagement And Organization : Key Employees1200 Words à |à 5 Pageswill have to have experience with retail, management, and experience working QuickBooks Pro. Organizational skills are a requirement for this position. Through a combination of existing and learned skills, this individual will be trained by the owner of Forever Young on how to properly manage daily operations. The manager will interact with customers through transactions. This involves greeting customers upon entry and providing attentive service during and after the transaction. The manger willRead MoreBusiness Plan For A Business882 Words à |à 4 Pagesa business can be very difficult. It can often take an immense amount of start-up funds that new entrepreneurs donââ¬â¢t have. However, based on the point in someoneââ¬â¢s life at which they want to begin a business endeavor, their credit score may not allow for approval of certain loans or funds. Therefore, a new company, ZipCap, has started an innovative approach to borrowing funds for small business owners. For ZipCap, ââ¬Å"The aim is to offer small retailers like restaurants, boutiques and service providers Read MoreNeighborhood Stroll Essay1372 Words à |à 6 Pagesneighborhood with a rich history and mixed culture of old and new. It is deeply rooted in Judaica culture, as apparent along the streets lined with Jewish delis, bakeries, grocery stores, and synagogues. Though in recent decades Fairfax has become an urban playground for younger generations, it still carries the essence of traditional Jewish lifestyle. Here is where decades-old Israeli restaurants sit next to streetwear shops and thrift shops, and ââ¬Å"where Orthodox men share the sidewalk with skateboardersâ⬠Read MoreI Am A Consultant For Nonprofits1415 Words à |à 6 Pagesnonprofits, specifically for the arts. The company I am evaluating is The Comedy Shop, which was founded by Zane Birnie. The Comedy Shop is up-and-coming and has recently received their not-for-profit status. I will be emphasizing on The Comedy Shopââ¬â¢s fundraising portfolio that Birnie has constructed for presentation. The Comedy Shop is located in Hoboken, New Jersey, which is strategically located 20 minutes outside New York City. Their focus is providing reasonably priced comedy classes, modest comedy
Thursday, December 12, 2019
Conclusion To Death Of A Salesman Essay Example For Students
Conclusion To Death Of A Salesman Essay In the play, Death of a Salesman by Arthur Miller, Linda Lomans character is viewed differently by many people. Some critics have seen Linda as a controlling mother figure who is actually the one to blame for this failure of both her sons and her husband. In this report I will defend this view citing specific examples from the play. Linda was undoubtedly the only one in control throughout the play. I believe that Linda tried to be a good mother and wife but she did not really know what she was doing. At the very beginning of the book we see that Willy, on his way to Boston, has come home because he was unable to concentrate on the road. And just as he was beginning to figure out why, she took his mind off the subject by suggesting that the problem was with the cars steering and not with him. Oh. Maybe its the steering again. I dont think Angelo knows the Studebaker.. And again: Maybe its your glasses. You never went for your new glasses.. By repeatedly doing this throughout the play Linda keeps Willy from facing the truth about himself. Also Linda gives Willy undeserved compliments, agreeing with him on his looks and ambition.; meanwhile, he has no true ambition. This causes Willy to build himself up into a great man. Another example of this is when Willy goes to see Howard Wagner about getting a job at home or at least close to home. While we realize how unlikely it is that Wi lly will get his wish, Willy does not realize this and Linda, who I believe is smart enough to realize it, supports Willy in excitement. Willy isnt the only one that Linda has affected. There is also Biff and Happy. Willy had taught Biff and Happy that if you were handsome, opportunity would come to you. Now while that doesnt have anything to do with Linda, she never challenged what Willy taught them; she simply agreed with everything that Willy said. Linda is able to manipulate Willy, by making his ideas seem greater by giving them her full support. An example of this, similar to what happened with Willy and Howard Wagner, is when Biff goes to see Bill Oliver about a job. The two of them have not seen each other in twenty years and when they did know each other Bill Oliver did not know Biff too well. Despite this, Willy thought Bill would recognize Biff and offer him a job on the spot. Hearing this Linda did not challenge Willy; she actually tried to quietly support him even though I felt she knew Biff would not be successful. During the majority of the play Linda hides her true self and contently agrees with Willy on most subjects. This makes it difficult to figure out what she is really thinking. Toward the end when Biff and Happy come home after leaving Willy at the restaurant, Linda drops her false personality and shows how she really feels. She explodes at her two sons for leaving their father alone at the restaurant during one of his fantasies. She places all blame on the two of them for Willy becoming the way he is. In actuality, it is Lindas own fault that Willy has become what he is. She has compounded this by also causing her two sons to turn out the way they did. In this report, I have defended the belief that Linda is a controlling mother figure who is actually the one to blame for the failure of her sons and of her husband. In the play Linda listens to what Willy has to say and never stops him even though she knows what he says is wrong. This play is really about how Linda Loman has caused her husband to go insane and corrupted the minds of her children. .ud1a345e3e5565a82ba368550fb1e15f0 , .ud1a345e3e5565a82ba368550fb1e15f0 .postImageUrl , .ud1a345e3e5565a82ba368550fb1e15f0 .centered-text-area { min-height: 80px; position: relative; } .ud1a345e3e5565a82ba368550fb1e15f0 , .ud1a345e3e5565a82ba368550fb1e15f0:hover , .ud1a345e3e5565a82ba368550fb1e15f0:visited , .ud1a345e3e5565a82ba368550fb1e15f0:active { border:0!important; } .ud1a345e3e5565a82ba368550fb1e15f0 .clearfix:after { content: ""; display: table; clear: both; } .ud1a345e3e5565a82ba368550fb1e15f0 { 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; } .ud1a345e3e5565a82ba368550fb1e15f0:active , .ud1a345e3e5565a82ba368550fb1e15f0:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #2C3E50; } .ud1a345e3e5565a82ba368550fb1e15f0 .centered-text-area { width: 100%; position: relative ; } .ud1a345e3e5565a82ba368550fb1e15f0 .ctaText { border-bottom: 0 solid #fff; color: #2980B9; font-size: 16px; font-weight: bold; margin: 0; padding: 0; text-decoration: underline; } .ud1a345e3e5565a82ba368550fb1e15f0 .postTitle { color: #FFFFFF; font-size: 16px; font-weight: 600; margin: 0; padding: 0; width: 100%; } .ud1a345e3e5565a82ba368550fb1e15f0 .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; } .ud1a345e3e5565a82ba368550fb1e15f0:hover .ctaButton { background-color: #34495E!important; } .ud1a345e3e5565a82ba368550fb1e15f0 .centered-text { display: table; height: 80px; padding-left : 18px; top: 0; } .ud1a345e3e5565a82ba368550fb1e15f0 .ud1a345e3e5565a82ba368550fb1e15f0-content { display: table-cell; margin: 0; padding: 0; padding-right: 108px; position: relative; vertical-align: middle; width: 100%; } .ud1a345e3e5565a82ba368550fb1e15f0:after { content: ""; display: block; clear: both; } READ: Genetics EssayBibliography:
Wednesday, December 4, 2019
Poverty Essay Example For Students
Poverty: Essay The Greatest Challenge thatFaces Latin Americans Today-1-The greatest challenge that Latin America faces today is poverty. Latin America has the most unequal distribution of land wealth and incomein the world. Many of the regions governments are unrepresentative andmost are deeply in debt. Throughout most of Latin American, the countryis very wealthy, while an overwhelming majority of the population is verypoor. Some of the governments are truly in economic distress and areunable to help there impoverished millions. One of the things responsible for this poverty is the unevendistribution of land and wealth that persists in most Latin Americancountries today, which has caused Latin America to exhibit the highestindex of concentrated accumulation of rural property in the world. Lessthan one-half percent of the population in Latin America has too muchland, while more than half of the adult farmers in Latin America have noland at all. Most of countries have done little or nothing to chan ge theirsituations. The reforms that have been or are being attempted by thegovernment and the wealthy population have had no effect on changing theexisting distribution of agricultural. Most rural Latin Americans continuetosuffer from unemployment, low income, and a lack of education. -2-Production of food in Mexico has diminished causing food prices torise. The people of Mexico must import grains into the country in order tofeed itself. The rapid growth and transformation that has occurred over theyears has left the majority of the population in poverty. The country mustimport most of the food it consumes. The government and foreign policyhas encouraged farmers to grow export crops rather than the badly neededcorn and grains that the country needs to feed itself, while at the same timethese policies penalize the internal production of food. Unfortunately, theonly true beneficiaries of this foreign policy are the affluent one-third ofthepopulation. The remaining two-thirds of the population are forced to bearthe consequences. Poverty in Mexico has become a big problem. Forty percent of thosethat want to work in the Mexican province of Zacatecas are unemployedcausing them to migrate to other Mexican provinces or to the United States. Many migrate to Mexico City, where most of its residents live insubstandard housing and nearly half have no running water. The corruptionin the government allows the wealthy to buy there way around regulationsto improve the housing, while the poor are powerless and are left to sufferthe consequences. Some arrive in Mexico City and live in cardboard boxesand forage for food in the garbage dumps. For those employed, wages arelow and working conditions are bad. -3-Neza, Mexicos fourth largest city encounters similar problems. It is aslum without sewers, running water, paved roads or public telephones. Theunsanitary conditions of this city, due to lack of toilets and polluted air,gives rise to diseases. Diarrhea kills more people than cancer or heartattacks and most have no medica l coverage.The lack of public policy forthese people allows them to suffer this unpleasant fate. Most families leavethere rural farms because of lack of irrigation or other problems that makethem unable to sustain themselves. Their search for a better life in thecitiesleaves them only slightly more impoverished than before. For most, itdoesnt get any better. Another example of poverty in Latin America today can be seen inHonduras, where poverty has caused a famine that is threatening the lives ofmany Honduran families. Drought, population growth, and foreign policyare all contributors to the cause of the famine. The highest populationgrowth in the southern hemisphere can be found in Honduras.Theconsequences of the nations poverty has caused over fifty percent of thecountries four and a half million people to suffer from malnutrition. Thecountry is unable to even feed its children. The statistics of childmortalitydue to malnutrition is one out of seven.Many children die from suchsimple ailments as diarrhea or lung infections.-4-In Brazil the gap between the wealthiest and the poorest is worse thanIndia. Seventy percent of the wealth in Brazil is controlled by ten percentofthe population. The cities are filled with urban workers that have come tothe cities looking for a better life but finding poverty instead. Forexample,in the Brazilian c ity of San Paulo, one million of its seventeen millionpeople remain unemployed. Land is expensive, squatting is difficult andevictions are common. Furthermore, the problem of poverty in Brazil is so great that childlabor is completely excepted within the society. Workers are paid so littleand the standard of living is so high that in order for a family to survivethree people must be working. The parents of these children are unable tocomplain because most families would collapse without working children. Children are an indispensable part of the work force and they are paid one-third less than adult workers. The poverty that promotes this exploitation isnot limited to urban children many rural children are put to work in thefields at age ten. Parents even put their little girls out to begin a lifeprostitution as young as 12 years old. The poverty is so great in thiscountry that the morals of the society have excepted this abuse of theirnations children. .u415334eb972d3c1c6b1328f3b92a0095 , .u415334eb972d3c1c6b1328f3b92a0095 .postImageUrl , .u415334eb972d3c1c6b1328f3b92a0095 .centered-text-area { min-height: 80px; position: relative; } .u415334eb972d3c1c6b1328f3b92a0095 , .u415334eb972d3c1c6b1328f3b92a0095:hover , .u415334eb972d3c1c6b1328f3b92a0095:visited , .u415334eb972d3c1c6b1328f3b92a0095:active { border:0!important; } .u415334eb972d3c1c6b1328f3b92a0095 .clearfix:after { content: ""; display: table; clear: both; } .u415334eb972d3c1c6b1328f3b92a0095 { 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; } .u415334eb972d3c1c6b1328f3b92a0095:active , .u415334eb972d3c1c6b1328f3b92a0095:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #2C3E50; } .u415334eb972d3c1c6b1328f3b92a0095 .centered-text-area { width: 100%; position: relative ; } .u415334eb972d3c1c6b1328f3b92a0095 .ctaText { border-bottom: 0 solid #fff; color: #2980B9; font-size: 16px; font-weight: bold; margin: 0; padding: 0; text-decoration: underline; } .u415334eb972d3c1c6b1328f3b92a0095 .postTitle { color: #FFFFFF; font-size: 16px; font-weight: 600; margin: 0; padding: 0; width: 100%; } .u415334eb972d3c1c6b1328f3b92a0095 .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; } .u415334eb972d3c1c6b1328f3b92a0095:hover .ctaButton { background-color: #34495E!important; } .u415334eb972d3c1c6b1328f3b92a0095 .centered-text { display: table; height: 80px; padding-left : 18px; top: 0; } .u415334eb972d3c1c6b1328f3b92a0095 .u415334eb972d3c1c6b1328f3b92a0095-content { display: table-cell; margin: 0; padding: 0; padding-right: 108px; position: relative; vertical-align: middle; width: 100%; } .u415334eb972d3c1c6b1328f3b92a0095:after { content: ""; display: block; clear: both; } READ: The Vision And Mission Of Airasia Business Essay-5-Haiti is the poorest nation in Latin America. Four out of five Haitianssuffer from poverty, while another three out of five Haitians areunemployed and three out of four are illiterate. The population growth thatis occurring cannot be sustained by the countries eroded soil and deforestedlands. The weak economy has caused many Haitians to migrate into theDominican Republic where they are discriminated against and treated likeslaves. Those that migrate to the Dominican Republic have no chance ofachieving anything less than poverty. They cannot escape their fate andthey continue to constitute the poor population of the Dominic an Republic. Many of these countries could better serve their poor by changingeconomic policies and preventing the exploitation of workers and children. However, the impoverished people of these countries, while they make upthe majority, are under represented by the government. Therefore, they willmost likely continue to endure their current misfortune. While the roots andcauses for the poverty in these countries vary, the results are the same,millions of underprivileged citizens, and a government and oligarchy that isunable or unwilling to respond to their cry for help. The dissipation of theproblem of poverty is surely the greatest challenge faced by Latin Americastoday.
Thursday, November 28, 2019
Gestures - The DOs And TABOOs Of Body Language Around The World Essays
Gestures - The DO's and TABOOs of body language around the world Matchmaker.com: Sign up now for a free trial. Date Smarter! Gestures - The DO's and TABOOs of body language around the world Axtell, Roger E. Gestures: The DO's and TABOOS of Body Language Around the World. Jon Wiley Sons, Inc, 1998 -- Rev. and expanded edition. Over the past decade the author has been presenting seminars, speeches and workshops around the United States on the subject of international behavior. This book is the result of accumulation of more than ten years of research on the subject and it includes research on his travels to England, Germany, Thailand, Malaysia, Indonesia and the Philippines. All this reinforced a conviction that gestures are powerful communicators used by people all over the world. The purpose of this book is to let people know how powerful gestures can be when used correctly or incorrectly. He also wants you to know how a gesture can mean one thing here and another thing somewhere else, something as simple as a wave good bye, could get you into a lot of trouble in another country. This book was broken down into seven chapters: Chapter 1, illustrated with numerous examples, is that not only are gestures and body language powerful communicators, but different cultures use gestures and body language in dramatically different ways. Chapter 2 discusses the most popular gestures found around the world, beginning with how we greet each other. Shaking hand is not the universal greeting. In fact, there are at least a half-dozen other social greetings - even different ways of shaking hands. This chapter also deals with farewells, beckoning, insulting, touching and other types of gestures. Chapter 3 gets into the special types of gestures such as, American Sign Language, Tai Chi, flirting kissing. Chapter 4 is designed to help you learn or trace a particular gesture, using scores of drawings. Chapter 5 describes what the author calls the ultimate gesture, which is simply the "smile". It is rarely misunderstood, scientist believe this particular gesture releases chemicals in the brain called endorphins into the system that create a mild feeling of euphoria. It also may help you slip out of the prickliest or difficult situation's world wide. Chapter 6 is an important list of gestures to keep in mind. It is compiled of 20 gestures that can help you separate right from rude, and rude from crude. Chapter 7 is a listing of country-by-country common gestures and body languages. They group the countries by major geographic region. The organization of the book was a combination of narrative and topical. The basic point of view of the entire book was that if you are planning to leave the United States and travel to another country, you better either keep your hands in you pockets at all times or know the proper gesture for the country you intend on visiting. I would like to site some examples. An American teenager was hitchhiking in Nigeria. A carload of locals passed him. The car screeched to a halt. The locals jumped out and promptly roughed up the teenage visitor. Why? Because in Nigeria, the gesture commonly used in America for hitchhiking (thumb extended upward) is considered a very rude signal. An American couple on an auto tour in Australia was stopped by a police officer in Sydney for failing to signal before turning. Since they were tourists the officer gave them only a friendly warning. Relieved, the American man responded with a smile and the thumbs-up sign. The police officer became enraged, ordered the couple out of the car, called a backup, searched the car, and finally gave the driver an expensive ticket. Later, back in their hotel and recounting their experience, the tourist learned that in Australia the thumbs-up gesture means "screw you!" As you can see this book has a humorous, but yet serious overtone. It covers important aspects of body languages gestures in society which is serious stuff, that has a very strong impact on all that come in contact with you. Yet the author is able to express it in a comical nature. I enjoyed the book immensely. There are many ways the ideas in this book can be related to sociology. In fact the whole book is directly related to the subject of sociology especially the culture aspect of it. I will explain in the following paragraphs. Anthologists divide our actions and gestures into three broad categories: instinctive, coded and acquired. Instinctive gestures are those we do almost unconsciously. An example would be when we are suddenly shocked or surprised, we tend to slap the back of our heads. Coded,
Sunday, November 24, 2019
Free Essays on Crime And Delinquency
The debate between nature vs. nurture in regards to crime and delinquency is a long and heated one. Are some people really born criminals, or is our society and the environment and experiences children are brought up in the reason they become delinquent? Throughout this essay I am going to look at both sides of the argument, and offer an insight into the theoretical and sociological approaches surrounding this nature vs. nurture debate. The first step in looking at the nature side of the debate would be to look at the actual genetics of criminals. This is an area that has been, and still is, widely researched, often coming up with varied results. Here Iââ¬â¢ll look at the actual biology of genetics, and the alleged abnormal gene, present in some criminals. For example, a study in 1993 identified an X chromosome mutation (associated with mild retardation and aggressive, violent criminal behavior) concentrated in one large Dutch family. This apparent mutation causes complete deficiencies of the enzyme monoamine oxidase (maoa), which metabolises the neurotransmitters serotonin, dopamine, and noradrenaline. David Goldman, a geneticist at the National Institute of Alcoholism and Alcohol Abuse, states: ââ¬Å"men who possess this abnormal gene may typically engage in impulsive behavior, but the time, place, type, and seriousness of their crimes (which include exhibitionism, attempted rape, and arson) have been diverse and unpredictableâ⬠(Powledge, T.M., Vol 46:1, January 1996) Although there does seem to be some evidence that crime and genetics are related, the findings prove to be unpredictable. That is not to say that there have not been breakthroughs, and other areas of human biology have proved to be useful also. Adrian Rain, of the University of Southern California showed CAT scans comparing the brain activity of 42 convicted murderers, with those of 42 people with no apparent criminal traits (or convictions). The group of murderers te... Free Essays on Crime And Delinquency Free Essays on Crime And Delinquency The debate between nature vs. nurture in regards to crime and delinquency is a long and heated one. Are some people really born criminals, or is our society and the environment and experiences children are brought up in the reason they become delinquent? Throughout this essay I am going to look at both sides of the argument, and offer an insight into the theoretical and sociological approaches surrounding this nature vs. nurture debate. The first step in looking at the nature side of the debate would be to look at the actual genetics of criminals. This is an area that has been, and still is, widely researched, often coming up with varied results. Here Iââ¬â¢ll look at the actual biology of genetics, and the alleged abnormal gene, present in some criminals. For example, a study in 1993 identified an X chromosome mutation (associated with mild retardation and aggressive, violent criminal behavior) concentrated in one large Dutch family. This apparent mutation causes complete deficiencies of the enzyme monoamine oxidase (maoa), which metabolises the neurotransmitters serotonin, dopamine, and noradrenaline. David Goldman, a geneticist at the National Institute of Alcoholism and Alcohol Abuse, states: ââ¬Å"men who possess this abnormal gene may typically engage in impulsive behavior, but the time, place, type, and seriousness of their crimes (which include exhibitionism, attempted rape, and arson) have been diverse and unpredictableâ⬠(Powledge, T.M., Vol 46:1, January 1996) Although there does seem to be some evidence that crime and genetics are related, the findings prove to be unpredictable. That is not to say that there have not been breakthroughs, and other areas of human biology have proved to be useful also. Adrian Rain, of the University of Southern California showed CAT scans comparing the brain activity of 42 convicted murderers, with those of 42 people with no apparent criminal traits (or convictions). The group of murderers te...
Thursday, November 21, 2019
Fund Transfer Pricing Essay Example | Topics and Well Written Essays - 500 words - 1
Fund Transfer Pricing - Essay Example It is evidently clear from the discussion that commercial banks have two divisions: deposit and lending. The deposit segment accumulates funds from customers. These funds are lent to other customers as loans through the lending division. The interest that banks earn on loans is interest income while interest on deposits is interest expense. The difference between interest income and interest expense is net interest income and is reported on the income statement. It is not a guarantee that all loans are profitable neither do all deposits cause losses. Different deposits have varying values as sources of loans and in the same way, different loans have a varying cost of funding. The main purpose of finance transfer pricing is to measure independently how different sources of funding contribute towards the profitability of banks. Assume a two-year loan financed by a three-month deposit. Assume also that the deposit segment acquires $1,000,000 worth of funds from the customer at a cost of 4%. These funds are passed to the treasury at a funds transfer-pricing rate. Assuming that the rate is 6%, the bank would earn a deposit spread of 2%. The treasury would then pass the funds to the loans department at a funds transfer-pricing rate of 8%. The loans department would then extend the loan to customers at an interest rate of 11%, earning a deposit spread of 3%. On the other side, the treasury would earn a 2% spread for managing the interest rate risk that arises from the mismatch in the maturity of funds. Assigning the funds transfer rate for treasury, the loans and the deposit divisions of the bank decomposes the spread earnings across the three divisions as illustrated in the paper.
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