Personal Finance Concepts Essay Example | Topics and Well Written Essays - 750 words

Personal Finance Concepts - Essay Example The most important asset classes are stocks, bonds, and cash. Because these investments perform differently depending on economic conditions, a good balance can keep a portfolio strong in a wide range of economic situations. In this sense, asset allocation may be the most important form of diversification. As my goal is to accumulate funds for retirement, growth of investments is of high importance and the time horizon is long, I may take on more risk by investing more in stocks with potential for higher returns. NBC Capital Corp. is a holding company for subsidiaries providing a range of financial services, including banking, trust services, mortgage services, insurance and investment products in east Mississippi and Tuscaloosa, AL. As of Mar. 31, 2004, total assets were $1.1 billion, total deposits were $832 million and stockholders' equity was $114 million. There are three basic types of bond funds: treasury bond funds, municipal bond funds, and corporate bond funds. The returns of these bond funds differ according to the amount of risk inherent in each fund. Treasury Bonds - have a maturity exceeding 10 years and the Treasury issued them in denominations ranging from $1,000 to $1 million. The U.S. Treasury no longer issues Treasury Bonds, however you can still buy them on the secondary market. Many corporations issue (or float) bonds to borrow money for operations. Bonds are typically issued at $1,000 par. Par is another word for "face amount." Long-term bonds have maturities of 10 to 40 years. They generally pay interest semi-annually. Many bonds may be recalled prior to maturity by the issuer. Municipal bonds (nicknamed munis) are bonds issued by

Applying Ethical Frameworks in Practice Essay Example | Topics and Well Written Essays - 750 words - 2

Applying Ethical Frameworks in Practice - Essay Example It may also lead them avoid seeking care for fear of being exposed against their will. This could lead to serious consequences, for instance further injury or even death in certain instances. Secondly, breach of confidentiality could make a patient feel disrespected by the physicians or healthcare providers. The provisions of confidentiality provide for a means for the preservation of the patient’s privacy and autonomy rights. Therefore, breaching of confidentiality is similar to breaching the privacy and autonomy rights of an individual, which is unethical in healthcare. Thirdly, when healthcare providers or physicians enter into a relationship with patients, there must be fidelity that calls for respect for confidentiality that is developed implicitly and as required by the code of ethics that guides medical and healthcare practice for all health care professionals. This means that the healthcare professional has the obligation to keep the patient’s confidentiality to earn his or her trust and be able to provide the needed care for the patient. When healthcare professionals breach confidentiality, they break the trust and fidelity put upon them by the patients and act irresponsibly. This will therefore be unethical. Several ethical principles emphasize on the importance of confidentiality in healthcare provision. These principles include beneficence, Non-malfeasance, autonomy, justice and truthfulness. The principle of beneficence entails the compassion that health professionals should show towards patients. This means that health professionals must desire to do good and an aspect of this is to keep the patient confidentiality, as it is an important factor in patient advocacy. Non-malfeasance is also an important principle in the sense that it stipulates that health professionals should ensure the avoidance of harm as a core of medical oath and nursing ethics. Breaching patient confidentiality equals to malfeasance. The

British politics in the 21st century Essay Example | Topics and Well Written Essays - 1750 words

British politics in the 21st century - Essay Example The event did not only unleash Major’s daring spirit, but also brought out a dormant political acumen by his participating openly in the fight against Saddam Hussein and by his deciding to topple the despotic regime. He was one of the prime movers of the so-called Operation Desert Storm, or its British equivalent, the Operation Granby. Among European nations, it was the UK who sent the largest military contingents in the combat operations of the war. The prime minister worked closely with the United Nations Security Council and the United States to free Kuwait from an Iraqi invasion and to protect thousands of Kurds from the deposed dictator’s persecution. UK then established its ‘Safe Haven’ policy to accommodate refugees and saved tens of thousands of lives (Jones & Kavanagh 2003). Major also sought solution to the long-time tensions in Northern Ireland and launched the government’s peace process initiative. He discussed pivotal agreements with the Taoiseachs of Ireland, and subsequently issued the 1993 Downing Street Declaration, which affirmed the right of the Irish people to self-determination and that Northern Ireland be transferred to the Republic of Ireland upon a referendum.   Aside from being a staunch advocate of public services and education, Major was also a key player in the economic recovery of UK. During his term, inflation rates were kept low and the unemployment incidence down (Buxton et al. 1998). This, he obtained through his strong.... Major also sought solution to the long-time tensions in Northern Ireland and launched the government’s peace process initiative. He discussed pivotal agreements with the Taoiseachs of Ireland, and subsequently issued the 1993 Downing Street Declaration, which affirmed the right of the Irish people to self-determination and that Northern Ireland be transferred to the Republic of Ireland upon a referendum.    Aside from being a staunch advocate of public services and education, Major was also a key player in the economic recovery of UK. During his term, inflation rates were kept low and the unemployment incidence down (Buxton et al. 1998). This, he obtained through his strong convictions on UK’s role in the European Union and against the Social Chapter. He was also responsible for the creation of the Council Tax, which resulted in premium public services such as policing and garbage collection during the time. In addition, Major launched the National Lottery with the go al of raising supplemental budget for the arts, culture and sports.   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Ultimately, Major can be considered a lucky politician because amid fierce faultfinding and disapproval both from his colleagues in the government and from the general public, propelled by media’s insinuation, he still emerged victorious in the General Election of 1992 and in 1995.    2- To what extent, if at all, did the SDP succeed in â€Å"breaking the mould of British politics† and the main impact of the creation of the SDP was to delay Labour’s recovery and keep the Conservative Party in office for longer than it would otherwise have been†. Discuss? Created in 1981, the Social Democratic Party came as a surprise

Sexual Abuse of Children Essay Example | Topics and Well Written Essays - 2500 words

Sexual Abuse of Children - Essay Example The four large scale factors aw self-report measures, improvement in other indicators of crime, administrative changes that have influenced decline, intervention strategies and programs. Other indicators of health status among American children and youth include rates of child abuse and neglect. While there is some controversy about whether the upswing in child abuse and neglect cases is a reflection of better reporting or of actual increases in cases, there appears to be a steady climb in the number of child abuse and neglect cases every year. The International Child Abuse Network: "Child abuse is the bad treatment of a child under the age of 18 by a parent, caretaker, someone living in their home or someone who works with or around children. Abuse of a child is anything that causes injury or puts the child in danger of physical injury" (Defining Child Maltreatment, n.d.). 'Sexual abuse' constitutes a continuum of activities which can range from flashing, exposure to pornographic material through inappropriate fondling to anal or vaginal penetration. On the other hand, just as feminists have sought to define rape as an act of violence, not a sexual act, it is right to remember that what is at stake in sexual abuse of a child is the expression of superior power rather than an inapposite sexual relationship. Sexual abuse is classless representing the expression of deep-structured inequalities - between men and women, between adults and children. Miller-Perrin and Wurtele underline that it is difficult to define sexual abuse "as all definitions are time- and culture-bound as well as direct reflections of the values and orientations of communities and societies at large" (Miller-Perrin, Wurtele, 1993, p. 3). According to statistical results, the vast majority of sexual abuse is perpetrated by adult males on girls. A standard definition of child sexual abuse is that it is the involvement of developmentally immature children and adolescents in sexual actions which they cannot fully comprehend, to which they cannot give informed consent, and which violate the taboos of social roles. It is somewhat redundant given what goes before, and it yokes abuse too closely to incest as traditionally understood (Jackson et al, 1991). Following Miller-Perrin and Wurtele, child sexual abuse "perpetrated by adults involves the exploitation of adult authority and power for sexual ends. This definition also includes children and adolescents as perpetrators if a situation involves the exploitation of a child by virtue of the perpetrator's size, age, sex, or status. It also includes experiences of physical contact between perpetrator and victim and those where contact may be limited or absent" (Miller-Perrin, Wurtele, 1993, p. 5). There were 669,000 reports of child maltreatment in 2005. By 2006, the reports were over 1 million, and in 2007, they had reached more than 2 million per year. Not only has there been a rise in the number of reports, but the type of injury has become increasingly serious, with a decline in the proportion of reports representing neglect and an increase in reports of sexual abuse and other serious maltreatment (the UK Statistics Authority 2008). . Each year, sexual abuse of children costs 4 millions pounds to the state (UK statistics Authority 2008). Area Child Protection Committees (ACPCs) provide the forum for joint working on child protection issues in the United Kingdom. Each ACPC must have

2000 word essay which explores the concept of evidence based practice

2000 word which explores the concept of evidence based practice and evaluates its relavance and contribution to practice - Essay Example For instance, depression (American Psychiatric Association, 2000; Lowe, et al 2001) and anxiety disorders (American Psychiatric Association; 2000), particularly obsessive compulsive disorder (Halmi et al., 2003), are among the comorbid conditions found in people with eating disorders. In adolescent-onset anorexia, depression appears to be triggered by the eating disorder, and the individual is put at risk for experiencing future depressive episodes (Ivarsson et al, 2000). Although anorexia affects persons of all ages, adolescence appears to be the developmental period of particular significance in the etiology of eating disorders; hence, identification and clinical intervention during this stage are crucial. This paper aims to synthesise and critically analyse the existing research on the treatment of anorexia nervosa in adolescence from the perspective of evidence based practice, more particularly family therapy systems approach. The term â€Å"evidence-based† is prevalent within the health care setting today. If there is any doubt, a quick glance at the current medical and allied health research literature would remove it. Medical doctors, physical therapists, occupational therapists, speech-language pathologists, music therapists, and many others, have begun to describe their treatment interventions as evidence-based. As with most established theories and concepts, the thoughts and beliefs behind evidence-based medicine have been traced by some to practices of ancient cultures throughout history (Sackett et al, 1996). However, most authors on the subject will credit Archie Cochrane, Scottish epidemiologist, with developing the modern concept behind evidence-based medicine, which was made popular through his landmark text Effectiveness and Efficiency: Random Reflections on Health Services (White, 1997). The most widely known and commonly quoted definition of evidence-based

Bill of Rights Essay Example | Topics and Well Written Essays - 750 words

Bill of Rights - Essay Example Amendment four People have the right to be safe in their houses, effects, and persons, against illogical seizures and searches, shall not be infringed, and no guarantees shall issue, but on likely cause, supported by affirmation or oath, and specifically describing the location of search, and the individuals or items to be seized. Amendment five No one shall be answerable for a capital, or any renowned crime, except on an indictment or a presentment of grand judges, in exception of cases occurring from naval or land forces, or in the military, when in real service in war or public danger times; nor shall any individual be subject to similar offense to be placed in danger of life or extremity, nor shall be forced in any criminal case to witness against himself, nor his life, property, or liberty be deprived without the correct law process, nor shall personal property be taken to be used publicly, without being justly compensated. Amendment six The accused shall enjoy the right to a qu ick and public trial, by a neutral judge of the district and state where the crime was committed, the district should have been determined by law, and to be made aware of the cause and nature of the allegation; to be dealt with the witness in opposition to him; to have an obligatory procedure for finding witnesses in his favor, and to be assisted by the counsel in defending him. Amendment seven At common law suits, where the value in disagreement exceeds twenty dollars, the jury’s right of trial shall be preserved, yet no reality by a judge shall be otherwise be reevaluated in any U.S. court, than in accordance to the common law. Amendment eight Extreme bail shall not be necessary, nor extra fines imposed, nor brutal and strange punishments imposed. Amendment nine The details in the Constitution, of particular rights, shall not be interpreted to disparage or deny others retained by citizens. Amendment ten Those powers not provided by the Constitution to the U.S, nor forbidden by it to the states, are set aside to the states respectively, or to the citizens. The amendments related to due process protections and criminal procedures protect the rights of the accused and the suspected persons, convicted criminals, and criminal defendants. The rights are all provided in the 4th 5th, 6th, and 8th amendments as discussed above (Bruns, 1986). Our group chose on five U.S citizens to interview in order to get a clear understanding of how the public is aware of the Human Rights and the procedures established by the amendments. The interviewees included a male University student, a soldier, a female lawyer, a business man, and a female town clerk. The group interviewed the five citizens basing on: their perceptions and awareness regarding the subject; knowledge on the violation of rights and protection; and knowledge on particular human rights institutions and the process of accessing them. The survey questions to the interviewees were: Have you ever heard of the U .S Constitutional Bill of Rights? Are you aware that the Constitution has a chapter on criminal procedures and protection of essential human rights? How much of the Bill do you have clear knowledge about? By how far have you read the U.S constitution? Do you think the rights are being exercised as provided? Are

Film review ( Run Lola Run ) Movie Example | Topics and Well Written Essays - 500 words - 1

Film ( Run Lola Run ) - Movie Review Example The film has three alternative storylines with different endings. The film has adopted a unique and fast approach in telling the story and is a must watch for those interested in small budget films that are fast and with simple and direct themes. Director of the film is Tom Tykwer who has directed films such as Perfume: The Story of a Murderer, The International and Cloud Atlas, Heaven and others. Main actors are Franka Potente, Moritz Bleibtreu, Herbert Knaup, Nina Petri and others (Maslin, 2011). Actors Roles/ Performance: The main characters are Lola, played by Franka Potente, A German actor and singer who has acted in more than 30 films including the Bourne film series and won many awards. The boyfriends role of Manni is played by Moritz Bleibtreu who has acted in more than 20 films such as World War Z, Young Goethe in Love, The Fourth State and others. The role of Papa is played by Herbert Knaup who has acted in about nine films such as In Darkness, Jerry Cotton and others. Narration is provided by Hans Paetsch, a famous narrator for German documentaries and children films and who has acted in more than six films (IMDB, 2010). Other characters in the film include the punk with a dog, a blind woman, a homeless man, banker, security guard the cyclist and others (Film Education, 2013). Story line/ Plot/ Location: Shot in Berlin, the film starts with Lola getting a call from Manni, a petty criminal who has collected 100,000 DM and forgotten the bag with the cash on a train. Manni frantically tells Lola that he must obtain the cash in 20 minutes else his mafia boss will send a gangster to kill him. Lola then starts running to ask her Papa, a bank manager for the money and the film is made of three runs. In each run, Lola collides with people and each collision leads to a different story. In the first run, Lola sees a dog that she avoids and bumps into a woman with a baby carriage. After a series of events, Lola reaches the bank only to be told that his