Strangler Fig - South Floridas Strange Hammock Tree

Strangler Fig - South Florida's Strange Hammock Tree Figs are effective woodland trees with somewhere in the range of 900 separate species around the world. Figs are very regular due to their amazing methods for dispersal including plentiful and great tasting natural product. The strangler fig, or Ficus aurea, is one of the most fascinating trees with regards to a North American Everglades tropical hardwood lounger. Strangler figs, some of the time called brilliant fig are local to south Florida and the West Indies. The strangler fig delivers a nonstop yield of seeds through the organic product that is imperative to the environment and a significant food hotspot for creatures. Feathered creatures transport and spread these seed in droppings. Strangler Fig's Unusual Propagation Method Strangler fig seeds are clingy and join to a host tree where it develops and flourishes in tropical dampness. The strangler fig starts its life as a parasite-like epiphyte or air plant however is continually looking for a way to the ground and a progressively trustworthy hotspot for root take-up of supplements. The trees seeds stop in bark gaps of a terrible host, sprout and convey air establishes that take in supplements and water from the air and host tree. In the end, the air attaches develop to arrive at the ground and build up their own underground root framework. Cabbage palms are most loved hosts for the strangler fig. Why the Name Strangler Fig The Stranger Fig is perhaps the most bizarre plant in a tropical hardwood lounger. It totally weaves its foundations and trunk around a host tree. The figs crown develops foliage which before long eclipses the tree. Inevitably, the host tree is choked and kicks the bucket, leaving the fig with an empty trunk where the host used to be. The fig exploits the supplements delivered by the decaying host. The Tropical Hardwood Hammock Strangler figs by and large develop on raised land called loungers. The commonplace tropical hardwood lounger in the Everglades grow just in territories that are shielded from fire, flood and salt water. The strangler fig is a significant tree in a commonplace lounger yet not by any means the only tree. A figs tree spread sort or biome incorporates Cabbage palm, cut pine, gumbo-limbo, saw-palmetto, poisonwood and live oak. The Importance of a Strangler Fig Note that this executioner epiphyte gives a significant specialty and food source to numerous tropical timberland animals. Its empty trunk, with a plenitude of niches and corners, gives a significant home to a great many spineless creatures, rodents, bats, reptiles, creatures of land and water, and flying creatures. The strangler fig is additionally viewed as a cornerstone tree and important in the tropical hardwood biological system. Numerous types of life are pulled in to the fig tree in view of its creation of a lot of fig products of the soil be the main wellspring of food during specific seasons.

Business Communication for Human Resource - myassignmenthelp

Question: Talk about theBusiness Communication for Human Resource Management. Answer: Presentation Passionate knowledge is the capacity which an individual shows, to comprehend and oversee others and own sentiments and emotions(Higgs Dulewicz, 2016). An individual with high enthusiastic knowledge can channelize thinking and personal conduct standards in a constructive way (Goleman, 2012). Such a parson can likewise modify feelings to suit evolving needs. Passionate insight includes the capacity to get mindful of feelings; capacity to outfit feelings through reasoning and the capacity to oversee feelings viably (Walton, 2012). Passionate insight is viewed as a significant quality of powerful leadership(Goleman, 2011). Enthusiastic insight causes a pioneer to tackle own and laborers feelings and it encourages them in channelizing feelings to get the best output(Walton, 2012). In any case, passionate knowledge is likewise significant for successful working in a hierarchical environment(Goleman, 2011). This article will illuminate the reasons why passionate insight is required for compelling working. Passionate Intelligence is as significant for viable functioning with respect to powerful administration Passionate knowledge is for the most part connected with capable leadership(Ashkanasy, et al., 2012). A pioneer with high passionate insight can deal with an association through comprehension and compassion(Ashkanasy, et al., 2012). He can focus on the development of the association. Pioneers with enthusiastic knowledge can persuade a workforce better and can impart their vision in a progressively compelling way.(Kreamer, 2011) However, for laborers too passionate insight is as significant for what it's worth for pioneers. This is on the grounds that passionate insight prompts better occupation elements and better understanding. Representatives are affected by ordinary choices of the firm like enrollment, moves, job changes and conservation. Workers need to have enthusiastic insight to comprehend and deal with the effect of this choice on them(Banfield Kay, 2012). Moreover, workers with more elevated level of passionate knowledge can participate in a superior manner with hierarchical pioneers and their own colleagues(Ashkanasy, et al., 2012). This is on the grounds that they can pass judgment on people groups response and act in like manner. Passionate knowledge is required in the two chiefs and the workers(Ashkanasy, et al., 2012). On the off chance that simply the pioneers have enthusiastic insight and the laborers need it, the firm won't have the option to oversee, as laborers won't have the option to evaluate the effect of inspirational strategies utilized by leaders.(Bach Edwards, 2012). Subsequent, they won't have the option to build their profitability. Enthusiastic insight can help a worker in overseeing work life stress, understanding clashes and gaining from past experiences(Goleman, 2012). Through a high enthusiastic insight the representative can detect the mind-set and desires of others. This cam causes him in responding to others in a fitting way (Goleman, 2011). Significant level of passionate insight might be valuable to workers in positions which require more prominent relational abilities; like, deals or administration delivery(Bach Edwards, 2012). In such occupation positions laborers are continually communicating with clients, different representatives or directors. Such laborers need to see how individuals respond to circumstances. They additionally need to have a capacity to oversee pressure brought about by proceeded with client connection. Along these lines, those laborers might be fruitful who have higher passionate intelligence(Ashkanasy, et al., 2012). This is on the grounds that laborers with higher passionate knowledge will have the option to comprehend the feelings of clients and deal with their own feelings to draw out the best help proficiency. As indicated by hypotheses of passionate insight, accomplishment of a representative or pioneer is reliant on abilities like persistence, poise and great relational skills(Goleman, 2012). A worker who has passionate insight will have the option to comprehend others sentiments. Thusly, he will have the option to figure connections inside the work setting in an increasingly beneficial manner(Kreamer, 2011). A worker with enthusiastic knowledge will be seen as understanding and humane by others(Goleman, 2011). This will prompt more collaboration in the activity jobs. Laborers with more significant level of enthusiastic knowledge are better prepared to work in groups as they can deal with feelings relating to work jobs in a superior way(Higgs Dulewicz, 2016). A higher passionate insight level helps a representative in knowing and controlling feelings. Such representatives can acclimate to change and are progressively adaptable and adaptive(Bach Edwards, 2012). Adaptability and adjustment to change has gotten significant in the present business situation as innovation and business strategies are persistently changing(Bach Edwards, 2012). Accordingly, workers who can't oversee feelings in the changing settings won't have the option to oversee themselves and their activity jobs. Absence of passionate knowledge can upset a representatives career(Bach Edwards, 2012). Individuals with absence of enthusiastic insight have a lesser capacity to upgrade relational relationships(Bach Edwards, 2012). In this manner, such individuals can be seen as impolite. Such representatives can't convey themselves well to both their associates and the leadership(Kreamer, 2011). Such laborers can't collaborate well with initiative regardless of whether pioneer has high passionate intelligence(Kreamer, 2011). Along these lines, such specialists may not be well known and different laborers might not have any desire to work with them It is said that leasers who need enthusiastic neediness are more volatile(Higgs Dulewicz, 2016). Such pioneers can't control extraordinary feelings like outrage and can enjoy enthusiastic upheavals. This can be very demotivating for representatives and dangerous for the organisation(Bach Edwards, 2012). Additionally, laborers who can't deal with and tap their feelings, will in general be increasingly unstable. Such specialists will in general be inclined to clashes and wind up being a piece of fights(Kreamer, 2011). Such clashes in work spot can prompt work environment incapability and wastefulness. Along these lines, passionate knowledge is as significant for laborers all things considered for pioneers, as it helps in channelizing the work bearing. End Low enthusiastic knowledge can prompt useless association. It can prompt unbending nature in the association. Enthusiastic knowledge is required in laborers to oversee group jobs adequately. Passionate knowledge additionally helps in improving work relations and relational abilities. This prompts better deals and administration conveyance. Passionate knowledge additionally helps in making a situation of collaboration, coordination and warm work culture. In this way, enthusiastic knowledge is significant for work environment proficiency. References Ashkanasy, N. M., Hrtel, C. E. Zerbe, W., 2012. Encountering and Managing Emotions in the Workplace. Bingley: Emerald Group Publishing. Bach, S. Edwards, M., 2012. Overseeing Human Resources: Human Resource Management in TransitionStephen Bach, Martin Edwards. New Jersey: John Wiley Sons. Banfield, P. Kay, R., 2012. Prologue to Human Resource Management. Oxford: Oxford University Press. Goleman, 2012. Passionate Intelligence: Why It Can Matter More Than IQ. New York: Random House Publishing Group. Goleman, D., 2011. Working With Emotional Intelligence. London: Random House Publishing Group. Higgs, M. Dulewicz, V., 2016. Driving with Emotional Intelligence: Effective Change Implementation in Todays Complex Context. Humburg: Springer. Kreamer, A., 2011. It's Always Personal: Navigating Emotion in the New Workplac. London: Random House Publishing Group. Walton, D., 2012. Presenting Emotional Intelligence: A Practical Guid. London: Icon Books.

Blog Archive Diamonds in the Rough Krannert for STEM Professionals

Blog Archive Diamonds in the Rough Krannert for STEM Professionals Purdue University’s Krannert School of Management MBA applicants can get carried away with rankings. In this series, we profile amazing programs at business schools that are typically ranked outside the top 15. As technical knowledge becomes increasingly relevant across diverse industries, many MBA programs seem to be vying to dominate the intersection of science and management education. Supplementing its global focus,  Purdue University’s Krannert School of Management  has developed a program specifically targeting students with a background in science, technology, engineering, and mathematics (STEM). Krannert launched this one-year, full-time MBA program for STEM professionals in 2014, and it was designed to bring management education to applicants who possess at least four years of work experience in a technical field. The specialized STEM program reflects, as  Bloomberg Businessweek  suggests, the growing role of STEM professionals in entrepreneurship, consulting, and managerial positions. The program’s curriculum entails a summer session and four modules that combine a business core and a wide selection of electives with STEM-related case studies and learning projects. Share ThisTweet Diamonds in the Rough Blog Archive Diamonds in the Rough Krannert for STEM Professionals MBA applicants can get carried away with rankings. In this series, we profile amazing programs at business schools that are typically ranked outside the top 15. As technical knowledge becomes increasingly relevant across diverse industries, many MBA programs seem to be vying to dominate the intersection of science and management education. Supplementing its global focus,  Purdue University’s Krannert School of Management  has developed a program specifically targeting students with a background in science, technology, engineering, and mathematics (STEM). In June 2014, Krannert launched a one-year, full-time MBA program for STEM professionals that was designed to bring management education to applicants who possess at least four years of work experience in a technical field. The specialized STEM program reflects, as  Bloomberg Businessweek  suggests, the growing role of STEM professionals in entrepreneurship, consulting, and managerial positions. The program’s curriculum entails a summer session and four modules that combine a business core and a wide selection of electives with STEM-related case studies and learning projects. Share ThisTweet Diamonds in the Rough Blog Archive Diamonds in the Rough Krannert for STEM Professionals MBA applicants can get carried away with rankings. In this series, we profile amazing programs at business schools that are typically ranked outside the top 15. As technical knowledge becomes increasingly relevant across diverse industries, many MBA programs seem to be vying to dominate the intersection of science and management education. Supplementing its global focus,  Purdue University’s Krannert School of Management  has developed a program specifically targeting students with a background in science, technology, engineering, and mathematics (STEM). Krannert launched this one-year, full-time MBA program for STEM professionals in 2014, and it was designed to bring management education to applicants who possess at least four years of work experience in a technical field. The specialized STEM program reflects, as  Bloomberg Businessweek  suggests, the growing role of STEM professionals in entrepreneurship, consulting, and managerial positions. The program’s curriculum entails five modules, including a summer session, that combine a business core and a wide selection of electives with STEM-related case studies and learning projects. Share ThisTweet Diamonds in the Rough Blog Archive Diamonds in the Rough Krannert for STEM Professionals MBA applicants can get carried away with rankings. In this series, we profile amazing programs at business schools that are typically ranked outside the top 15. As technical knowledge becomes increasingly relevant across diverse industries, many MBA programs seem to be vying to dominate the intersection of science and management education. Supplementing its global focus,  Purdue University’s Krannert School of Management  has developed two programs specifically targeting students with a background in science, technology, engineering, and mathematics (STEM). In June 2014, Krannert launched a one-year, full-time MBA program for STEM professionals that is designed to bring management education to applicants who possess three to five years of work experience in a technical field. In addition, the school now offers a similar 21-month weekend MBA option that begins each year in August. These specialized programs reflect, as  Bloomberg Businessweek  suggests, the growing role of STEM professionals in entrepreneurship, consulting, and managerial positions. The full-time curriculum entails a summer session and four modules that combine a business core and a wide selection of electives with STEM-related case studies and learning projects. Share ThisTweet Diamonds in the Rough Blog Archive Diamonds in the Rough Krannert for STEM Professionals As technical knowledge becomes increasingly relevant across diverse industries, many MBA programs seem to be vying to dominate the intersection of science and management education. Supplementing its global focus, Purdue University’s Krannert School of Management has launched two programs specifically targeting students with a background in science, technology, engineering and mathematics (STEM). Starting in 2015, Krannert will offer applicants the option of a full-time, one-year MBA for STEM Professionals, designed to bring management education to applicants who possess three to five years of work experience in a technical field. In addition, the school has proposed a similar 16-month weekend MBA option that is awaiting official approval. These specialized programs reflect, as Bloomberg Businessweek suggests, the growing role of STEM professionals in entrepreneurship, consulting and managerial positions. Each of Krannert’s new programs will reportedly consist of two career tracks, with one for entrepreneurs and another for those looking to join larger companies. The full-time curriculum entails a summer session and four modules that combine a business core and a wide selection of electives with STEM-related case studies and learning projects. As Dean Christopher Earley avowed, “Krannert is uniquely positioned to provide this program because it is a business school integrated into one of the world’s leading STEM-focused universities.” Share ThisTweet Diamonds in the Rough Blog Archive Diamonds in the Rough Krannert for STEM Professionals MBA applicants can get carried away with rankings. In this series, we profile amazing programs at business schools that are typically ranked outside the top 15. As technical knowledge becomes increasingly relevant across diverse industries, many MBA programs seem to be vying to dominate the intersection of science and management education. Supplementing its global focus, Purdue University’s Krannert School of Management has developed two programs specifically targeting students with a background in science, technology, engineering, and mathematics (STEM). In June 2014, Krannert launched a one-year, full-time MBA program for STEM professionals that is designed to bring management education to applicants who possess three to five years of work experience in a technical field. In addition, the school now offers a similar 21-month weekend MBA option that begins each year in August. These specialized programs reflect, as Bloomberg Businessweek suggests, the growing role of STEM professionals in entrepreneurship, consulting, and managerial positions. Each of Krannert’s programs consists of two career tracks, with one for entrepreneurs and another for those looking to join larger companies. The full-time curriculum entails a summer session and four modules that combine a business core and a wide selection of electives with STEM-related case studies and learning projects. As Dean Christopher Earley avowed, “Krannert is uniquely positioned to provide this program because it is a business school integrated into one of the world’s leading STEM-focused universities.” Share ThisTweet Diamonds in the Rough

The System Of Credit Worthiness Finance Essay - Free Essay Example

Sample details Pages: 9 Words: 2774 Downloads: 8 Date added: 2017/06/26 Category Finance Essay Type Research paper Did you like this example? In addition, the creditworthiness may be affected by a variety of other factors, such as residence, place of work, property ownership, number of persons in the household, etc. The analysis of the creditworthiness involves preliminary study of the factors and prerequisites which can affect adversely the duly repayment of the creditor. Thus, it is of high importance that bank specialists demonstrate competence and conscientiousness. Don’t waste time! Our writers will create an original "The System Of Credit Worthiness Finance Essay" essay for you Create order Bank shave at their disposal various ways for choosing suitable borrowers to be financed and for exercising control over the special purpose of the credit resources and their expedient and efficient spending. The in-depth study of the financial situation of the loan applicant does not harm the good relations between him and the bank. Establishing firm grounds for the credit relations is seen as an inherent characteristic element of the credit activity. The study of the financial situation, which is carried out by qualified and experienced bank experts, may disclose a number of shortcomings which until that moment have been unknown to the administrative and managerial staff and in this way the study can turn out to be extremely useful for the loan applicant too. The last twenty years has seen a revolution in consumer credit, with more and more people borrowing on an increasing scale. The explosion in demand for consumer credit could probably not have been met successfully withou t the development of better and more efficient techniques for handling a key decision. This decision -whether or not to lend money to a prospective borrower underpins all credit operations. The well-being of a credit institution, and ultimately its survival, depends on the ability to make this fundamental lending decision correctly. Reasons Why People Apply For A Loan One of the main reason for borrowing is to purchase a home or for home renovation. Shelter is one of the basic human needs. But acquiring a home might take you longer years to save for the amount of money it requires. The easiest way to have it is to apply for a loan. Furthermore, people also request loan to buy car. Vehicle nowadays becomes necessary. The last but not the least of the reasons for applying loan is to pay for educational balances to give your children a brighter future. Education is also expensive which demand bigger amount of money for tuition fees, books, allowances, and a lot more. (Burton, n. d.) Problem statement In the sixties and seventies, Mauritius was dependent on sugar production; but since then the island has developed itself into a diversified economy with important pillars in financial services, business process outsourcing, tourism and information technology. Like many other developing countries, Mauritius is now facing acute challenges arising out of the changing global environment arising from the process of liberalization, globalization, and technological advances. With a population of around 1.3 million, the figures below clearly indicate that the whole population lives on debts. That is, they are spending more than they earned. Jun-11 Sept-11 Dec-11 Credit cards 210,572 213,247 217,135 Outstanding Advances on credit cards(Rs M) 1673.4 1756.8 1863.3 Table (Statistics Office, Year 2011 source [https://www.gov.mu/portal/goc/cso/mif11/mif2011.pdf]) Table 1 show that there in a constant increase in amount due in cre dit cards from June 2011 to December 2011. Aim Research objectives The study will be carried out by selecting two main banks in Mauritius namely, Mauritius Commercial Bank and State Bank of Mauritius Ltd to analyze whether they are conducting proper credit assessment before granting any credit facilities to its customers The research objectives of this study are: To determine the effectiveness of a proper credit analyst; To identify the psychological factors which compel a person to request a loan; To assess the impact of loan repayment on borrowers income; To recommend a credit counseling session to client upon a request for credit facilities The following research questions are as follows: Why people request for (more) credit facilities (than they can afford)? What are the steps taken by a bank before granting credit facilities? What are the advices given by the bank officer to the client upon a request for credit facilities? What measures ca n be taken for improving the actual system of credit assessment Benefits of the study This study will be beneficial primarily to Bank of Mauritius in assessing whether commercial banks are acting in favor of the borrower when granting credit facilities to borrowers. Additionally, it will help in identifying some gaps in the system and it will determine whether the Borrower Protection Act which was introduced in 2007 is really protecting the borrowers or the act need to be reviewed Literature Review Mid loan relationships between bank-lenders and borrowers An investigation done by Gottesman and Roberts(2005) on the nature of mid-loan relationships between bank-lenders and borrowers, to test whether firms borrow from banks to signal quality. Using the LPC Deal Scan, CRSP, and Wall Street Journal databases, they test whether borrower abnormal returns are related to bank during the duration of the loan. They also demonstrated that borrower abnormal returns are related to mid-loan bank events, defined as an event resulting in bank abnormal returns beyond a specified threshold. The results suggest that borrowers are affected by bank events mid-loan, even when the event is not directly related to bank default. (Aron A. Gottesman, Gordon S. Roberts, 2005) Lending procedures Ralston and Wright (2003, p.6) elaborate on sound lending procedures in retail financial institutions involve identifying high-risk applicants, modifying loan conditions such as security requirements, and monitoring repayments post-loan approval. For managers of credit unions, this procedure is complicated by the need to achieve balance between the institutions social objective of improving loan accessibility so members can attain lifestyle goals and the possibility of reducing the institutions viability through loan default. The results of this survey of Australian credit unions, in which 70% of respondents reported experiencing some bankruptcy-related default on personal loans, indicate managers do not impose more stringent lending conditions on high-risk borrowers. However, social and viability objectives could be better balanced through careful loan monitoring and timely arrears practices. (Ralston, 2003) Bank lending and the environment Bankers have come to realise that banking operations, especially corporate lending, affect and are affected by the natural environment and that consequently the banks might have an important role to play in helping to raise environmental s tandards. Although the environment presents significant risks to banks, in particular environmental credit risk, it also perhaps presents profitable opportunities. Stricter environmental regulations have forced companies to invest in environmentally friendly technologies and pollution control measures and in turn generated lending opportunities for bankers. This article examines the lending policies of a sample of UK banks with respect to the environment, focusing on issues of environmental risk management, market segmentation and the exploitation of marketing opportunities. The research found that while the banks are placing considerable emphasis on environmental risk management in their corporate lending operations, there is little evidence of them harnessing the opportunities presented by the greening of industry. Numerical Points Systems in Credit Screening A study of Barry (1977, p.36) has shown how the development of numerical points systems, or credit scoring systems, have become increasingly important in this country as aids in the credit screening process. Most of the initial research on these techniques has been undertaken in the US, but in the last decade the principles have been used in this country, particularly by financial institutions operating in the consumer credit field. In broad terms, numerical points systems attempt to discriminate potentially bad from potentially good credit risks and offer an alternative to a purely subjective assessment of a credit applicant. The systems are particularly relevant in the consumer credit field where most of the information needed can be obtained from a credit application form. Under the system, numerical weights are assigned to certain types of information given (e.g. occupation, income, marital status, etc.), the total of the scores then being used as a measure of payment potential : the higher the score, the more likely is the applicant to possess characteristics which indicate a prompt payment disposition. In this article, it is emphasised that the construction of a numerical points system fits into the overall credit screening process, and it is important to appreciate the principles of the latter before full use can be made of any system. The empirical research is summarised both in the US and in the UK with a view to assessing the effectiveness of the systems, and a survey amongst UK financial institutions is also summarised to evaluate the extent of the use of the techniques in the UK. Emphasis throughout has been placed on the consumer credit field but the principles can also be applied to trade credit. (Savery, 1997) Small businesses and risk contingent credit A more recent study (Turvey et al. 2012, p 491) has shown that firms facing significant income volatility can often suffer from downside risk such that return on assets is insufficient to m eet fixed financial obligations. The purpose is to provide a prescriptive credit solution for small businesses facing exogenous income risk. Formulas for risk-contingent operating and collateralized loans are developed and simulated in the context of a specific business sector. The Findings demonstrates that a structured credit product with an imbedded option can reduce or eliminate financial risks by providing payouts that decrease the amount of principal and/or interest that firms must repay under low income states. The overall objective is to provide a means to mitigate exogenous income risk faced by firms through the design and application of a risk-contingent credit product that is tied to primary markets and simple to implement. In this context, risk contingency credit refers to a suite of financial products with payoff schedules (loan principal) that are linked to specific commodities or indices. The authors are in fact unaware of any commercial financial products of the t ype considered in this paper and thus their approach is a prescriptive solution to the identified problem. (Turvey C. G., 2012) The impact of attitude variables on the credit debt behavior The present research attempts to address what kinds of attitude variables influence individuals debt behavior. Although credit card debt has been extensively documented recently, the main focus is on the pure amount of debt. Little research is concerned with the source of credit card debt. This research tries to investigate how different attitude variables affect revolving credit card use and petty installment use which are two main sources of credit card debt. It is generally accepted that attitude variables are one of the causes of credit card misuse. But there is no research to compare the differential effect of each factor in one model. The present research tries to use statistical method to find out the distinctive effect of each attitude factor. The study was conducted by using mail -in questionnaires, which were sent to credit card holders who were using or had used either revolving credit or petty installment plans. After reliability and validity tests, stepwise regression model has been used to test the differential effect of each attitude variable. According to regression functions, it was found that attitude variables had a wonderful explanatory power in accounting for revolving credit use and petty installment use. Specifically, it was found that revolving credit use and petty installment use were closely related to attitudes about credit card, money, and debt. Risk attitude efficiently predicted petty installment use; however, it did not correlate with revolving credit use. Meanwhile, it was found that all of the attitude factors account for 82.1 percent of variance for revolving credit use. In contrast, they account for 41.6 percent of variance for petty installment use. The findings shed light on the role of attitude variables in debt behavior. More over, the paper identifies the specific role of different attitude variables, which has great implications for practice. Existing research has significantly clarified credit card debt issues, but there are still some gaps to fill in. For one, although the previous literature tests both separate effects and joint effects, it ignores some important variables, such as attitude variables. Meanwhile, previous research focuses on single variables most of the time, such as credit card attitude and debt attitude, and little research has simultaneously considered a bunch of attitude factors simultaneously. In summary, further exploration of the attitude factors is necessary. Additionally, previous researchers have focused only on the final consequences of credit usage the outstanding balance or credit card debt rather than the behavior which triggers credit card debt. The present research aims to address these two questions. Fashion orientation, credit card use, and compulsive buying In 2005, a study by Park Burns, to examine fashion orientation, a fashion-related variable, as a direct antecedent of compulsive buying and as an indirect antecedent of compulsive buying through credit card use. Using a convenient sampling method, women aged over 20 years living in the Seoul metropolitan area were selected as the sample. Out of 380 distributed, 267 useful questionnaires were returned. Confirmatory factor analysis and path analysis were conducted using structural equation modeling. (Park, H. J. Burns, L. D. , 2005) The results of this study showed that fashion interest significantly influenced compulsive buying directly and also indirectly by influencing credit card use. This study has significance in terms of being the first one to explore the relationship between fashion orientation variables and compulsive buying, offering a new perspective on compulsive buying. Importance of credit counseling in the Mauritian Banking sector Credit counsel is very he lpful because it would assist you toward not only improved understand the financial situation; however you would also discover how to evade accumulating overpowering debt within the future. Credits counseling is particularly useful for peopled suffering as of huge debt burden and opposite a monetary and individual crisis. As you gather with credit counselors as of the reputable credits counseling corporation, you would learn the finest way to doggedness the crisis also regain manage of the life. Professional credit counselor has the knowledge and qualifications within debt management toward helping you improve the finances. They would educate you how headed for manage the household finances; assist you comprehend how you obtain into such overpowering debt, also how you be able to avoid declare insolvency. They will evaluate your personal monetary situation and counsel you at the best alternative and come about with habits to develop into debt-frees. They would help you graph your route to financial free will. Normally a credit assessment is undertaken to see whether the borrower has the repayment capacity for amount loan being requested That is, a proper analysis must be performed. For instance, a person A requests a loan of 1million rupees to be paid over 10 years. The bank will normally determine his monthly installments; then the banker will check his monthly income net of his existing liability (any loan taken before) and including the new request. If the amount remaining is enough for a normal household expense taking into consideration of his status (If he is married and have children) then the loan will be provided to him. (Anon., 2011) METHODOLOGY Overview The target population for this study will be the credit analysis department of the two main banks in Mauritius, namely Mauritius Commercial Bank and State Bank of Mauritius. It is to be noted that raw data will be collected through questionnaire filled by banking officers of credit analysis department and another questionnaire will target client who already have credit facilities. Moreover, data concerning the great disparities of customers will be analysed accordingly through various statistical method. Appropriate hypothesis will formulated to model the impact of the different physiological factors leading a person to apply for credit facilities. Survey Questionnaire will be distributed among a selected clients and banking officers through the help of friends. The questionnaire will be set to obtain from target audiences detail concerning the system of credit analyst and their impact on borrowers. Planning October November December Introduction Literature review Data collection and sorting Analysis Report writing Table Ethical considerations The research will be conducted in a professional way and abides to all ethics. That is, any information gathered during our research will not be disclosed to any individual. Limitations of study The main concern to this study is confidentiality of data. Banks will not give us access to personal data on their customers, in particular, when we are assessing on how they are evaluating credit worthiness. In other words, we will be able to determine loophole in their system and hence this may affect their reputation. Expected result A thorough analysis of how the system of credit analysis impacts on borrowers and the degree of importance it imposes upon the borrower; this will help us to reduce the overdebted population. Consequently, this will lead to a better social life.

Argumentative Research Paper Parents Responsible for...

â€Å"Parental behavioral patterns concerning shopping, cooking, eating and exercise have an important influence on a child’s energy, balance and ultimately their weight† said diet specialist, Anne Collins (â€Å"Childhood Obesity Facts†). Childhood obesity has more than tripled since the 1980’s (â€Å"Childhood Obesity Facts†). Childhood obesity often leads to obesity as an adult which can put a person at greater risks dealing with the heart, diabetes, and many other obese related diseases. People want to blame the schools and today’s technology for childhood obesity, in reality, the responsibility lies in the hands of their parents. Parents are at fault for childhood obesity. The job of a parent is to teach a child wrong from right, including their†¦show more content†¦Parents need to realize that they are putting their own children’s lives at jeopardy by making them more likely to develop diseases later in life. In todayâ €™s society, technology has played a big role in everyone’s lives and has taken over. Kids today stay inside and play on the computer, watch TV, play video games, or mess with tablets and smartphones. Several people find other, more entertaining things to do than play outside and be active. Some of the times, physical education in schools is the only physical activity students have on a daily basis (â€Å"Obesity†). Kids and teenagers would much rather be wrapped up in a social network than going for a job or going to the gym. Back in the day, playing outside was one of the few entertainments. Parents have no discipline and let their children do what they want to their bodies. Technology has caused people to be less active and not as self-controlled causing them to be obese or overweight later in life. â€Å"Children and adolescents who are obese are more likely to be obese as adults, putting them more at risk for heart disease, type 2 diabetes, stroke, types of cancers, osteoarthritis, bone and joint problems, sleep apnea, increases risk for many types of cancer including breast, colon, endometrium, esophagus, kidney, pancreas, gall bladder, thyroid, ovary, cervix, and prostate† (â€Å"Childhood Obesity Facts†). A person can increase the risk of getting several diseases if having bad eating habits, exerciseShow MoreRelatedDefinition of Adolescent Development14194 Words   |  57 Pagesinclude predictable physical and mental milestones. Introduction Derived from the Latin verb adolescere (to grow into maturity), adolescence is the period of transition from childhood to adulthood. Adolescent is a distinct and dynamic phase of development in the life of an individual. It is a period of transition from childhood to adulthood and is characterized by spurts of physical, mental, emotional and social development. WHO considers adolescence to be the period between 10-19 years of age, whichRead MoreDefinition of Adolescent Development14200 Words   |  57 Pagesinclude predictable physical and mental milestones. Introduction Derived from the Latin verb adolescere (to grow into maturity), adolescence is the period of transition from childhood to adulthood. Adolescent is a distinct and dynamic phase of development in the life of an individual. It is a period of transition from childhood to adulthood and is characterized by spurts of physical, mental, emotional and social development. WHO considers adolescence to be the period between 10-19 years of age, whichRead MoreFor Against by L.G. Alexander31987 Words   |  128 Pagestraffic laws can prevent accidents 10 Parents are too permissive with their children nowadays II 12 Advertisers perform a useful service to the community Pop stars certainly earn their money 13 Vicious and dangerous sports should be banned by law 14 Transistor radios should be prohibited in public places 15 The only thing people are interested in today is earning more money 16 Compulsory military service should be abolished in all countries 17 Childhood is certainly not the happiest timeRead MoreStephen P. Robbins Timothy A. Judge (2011) Organizational Behaviour 15th Edition New Jersey: Prentice Hall393164 Words   |  1573 PagesFoundations of Organization Structure 479 v vi BRIEF CONTENTS 4 The Organization System 16 Organizational Culture 511 17 Human Resource Policies and Practices 543 18 Organizational Change and Stress Management 577 Appendix A Research in Organizational Behavior Comprehensive Cases Indexes Glindex 637 663 616 623 Contents Preface xxii 1 1 Introduction What Is Organizational Behavior? 3 The Importance of Interpersonal Skills 4 What Managers Do 5 Management

Nature Of Control And Its Effects On The Way Individuals...

Research has shown that there is significant variability in the way individuals perceive and interpret events. Frequently, individuals encounter and are exposed to situations in their environment where causation tends to be subjectively inferred. Due to these instances where one is able to nonchalantly assume the causality between certain events or situations that occur, gives rise to the phenomenon of illusory control. Langer (1975) introduced the concept ‘illusion of control’ as the expectancy of a personal success probability which is inappropriately higher than the objective probability would warrant. Even though the objective odds are evident, the remaining subjective expectation of success is thought to be dependent on factors†¦show more content†¦Previous research has suggested that there are certain individuals who are more prone to an illusion of control than others (e.g. Alloy Abramson, 1979; Biner et al., 1995; Delfabbro LeCouteur, 2009; Friedland e t al., 1991; Langer, 1975; Rudski, 2004). Rotter (1966) proposed that ones’ locus of control, which refers to an individual’s generalised expectancy of success based on their previous experience, will influence ones predisposition to illusory control. However, the issue with this notion is the reliance on multiple forms of perception at once, and it is likely individuals will differ in these each of these aspects (e.g. personal, social and political beliefs). Therefore, to understand and measure how beliefs about events occur in the world while considering these differences, application of scales measuring principles like superstitions (Matute, 1995; Wiseman Watt, 2004), paranormal beliefs (Peters et al. 1999) luck, chance and how these might impact activities like gambling (Friedland et al., 1991; Wood Clapham 2005), will be valuable. Studies have shown that those more likely to develop an illusion of control are correlated with their desire for control (Biner et al. 1995), superstitious or paranormal beliefs (Rudski 2004) as well as their delusory beliefs (Balzan et al. 2013). Therefore, it is evident that certain individuals appear more inclined to make connections from

Same Sex Marriages By Definition, It Cannot Exist Essay Example For Students

Same Sex Marriages? By Definition, It Cannot Exist Essay What is marriage? This word has different meanings for different people. To some marriage means a commitment between two people in holy matrimony, or religious marriage. To others it is just a legal contract between two people, or civil marriage. In actuality there is only one definition for a marriage. According to Websters Dictionary, a marriage is a state of living together as husband and wife joined in wedlock. Webster also identifies a husband as a man and a wife as a woman. Same sex marriages are morally and ethically wrong, and they are also impossible to occur (according to our modern language). Same sex marriages, even though inappropriate, can be solved without upsetting both sides of the scale. Many same sex marriage supporters argue, Why does every legal and political issue always have to be complicated by making it a moral and ethical question? If there were no morals or ethics in government, society as we know it could not exist. It is unthinkable how someone can make this point. If these people had some logic and thoughtfulness in their minds as well as in their hearts, they would not be making these ridiculous comments. Arguments of this type are the cause of crime and poverty in our country. People dont know the difference between right and wrong. Children need a mother and a father to teach family values and the difference between right and wrong. The world would be a much better place if everyone had a parent or a teacher to show the them the proper path. Unfortunately, this is not the case. If more of society would put a priority on their children and their future, there could be fewer problems faced by the community as a whole. If no one takes into account morals and ethics into their decision making, these deplorable situations could lead to a catastrophe. If no one has any morals or ethics, this great nation would come to its decline. If no one has any morals or ethics, not even the worlds most powerful military will be able stop the catastrophe. The argument against this point, raised by the supporters, is the question of divorced parents and single parents. According to religious philosophy, single parenting is also an improper system for rising children. If someone else is jumping of a bridge, then why shouldnt everyone else. One improper task does not give permission for another. This is just another of many illogical points made by the supporters. The purpose of marriage is not only for companionship and personal and financial support. The purpose of marriage, ultimately, is for procreation, and gay couples cannot procreate. Same sex marriage supporters argue infertile couples and couples who use birth control methods to prevent conception are allowed to marry. As far as infertile couples are concerned, that is something beyond their control. They can not procreate because they have no choice. Whereas homosexuals are able to procreate, with the opposite sex, but choose not to. In regard to birth control, it is also religiously inappropriate. The same thing applies here, as it did with the single parent issue. One improper task does not give permission for another. The supporters have an irrational belief that two wrongs do make a right, whereas they do not. What is the solution to all this nonsense? There are valid points made on the other side of this coin and there is a simple solution. Domestic Partnerships, which are already in use in Denmark and Norway, is the answer, but it is not marriage. The supporters main itch comes from the benefits of being married. The government and certain businesses in society give an advantage to those who do not carry the single status. The marital status shows commitment and responsibility in a person. These advantages include insurance benefits, hospital visitation rights, inheritance rights, wrongful death benefits, child support and alimony, and some others. Republican Party Essay1A domestic partnership can be the legal contract, which they confuse with marriage, that can give immoral and unethical persons the benefits they deserve as citizens of this nation. Domestic Partnerships is not another word for marriage, and it should not be confused with marriage.Domestic Partnership is a civil or legal contract with no purpose b ut to gain certain benefits.Marriage is holy matrimony with the purpose of companionship, personal support, and procreation. One may not agree with the thinking and ideas of others, but everyone deserves equal treatment under the law.Domestic Partnerships have already been proven successful in other nations, and it can be successful in this one. In conclusion, besides same sex marriages being immoral and unethical, they .