The Ambivalence Of Abortion :: essays research papers

The Ambivalence of Abortion Whether or not abortion is morally right or wrong, the fact remains that a woman has the right to make her own decisions. If a woman decides to have an abortion it is her right to do as she pleases with her body. It is understandable that many may disagree with abortion being legal, but that is no reason not to allow others to have a different opinion. Nevertheless, the question of whether abortion is morally right should be left up the conscience of the woman whom is making the decision and not through judging eyes not going through the same situation. There are more pros than cons to having an abortion. For instance, a woman with a family of four who are barely surviving discovers she is pregnant. She decides to have an abortion because she cant afford the baby. That might have saved the world of another sad story of a mother abusing and neglecting her unwanted child. Unfortunately, sometimes a mother can run the risk of death if they go through with the pregnancy. Would it be fair to let the mother of two young children die because SOME PEOPLE don't believe in abortion? On the other hand, it may be true that young women are taking advantage of the fact that they can easily have an abortion. Some say they are substituting birth control with abortion. Nevertheless, no one ever said we can't place restrictions on abortion but we can't let one bad apple spoil the whole bunch. The fact remains that although some might take advantage of the situation, it is unconstitutional to deny the opportunity to someone who REALLY has no other alternative but abortion. Every woman (and person) has the right to make their own decisions. No one has the right to deny another of their own opinion. Some may not believe in or agree with abortion and that's perfectly fine but it does not give them the right to deny others of the option. Finally, a woman has the right to decide whether or not to have an abortion and whether or not to feel guilty

Credit Creation Essay

1.0INTRODUCTION With introduction and use of money, credit also came into existence. Credit is created when one party (it can be person, group of people, firm or an institution) lends money to another party, the borrowers. The act of borrowing creates both credit and debit. Debt means the obligation to pay the finance borrowed and credit means the claim to receive this money payment from the other party. Every credit involves debt, that is obligation to pay money and therefore creates claim. 1.1 Definition of important terms 1.1.1 Credit is generally understood to mean the finance provided to others at certain rate of interest (Mudida 2003).The act of borrowing and lending and there by the creation of credit is a special type of exchange transaction which involves future payments of the principle sum borrowed as well as rate of interest on it. The lending and borrowing of money and institution of money lending came into practice since money was invited by man (ibid). 1.1.2 Commercial Bank is a business organization which deals in money, it borrow and lend money in with purpose of generating profit Ahuja 2008). 1.1.3 Central Bank, Reserve Bank or Monetary Authority is a public institution that manages a state’s currency, money supply, and interest rates. Central banks also usually oversee the commercial banking system of their respective countries. In contrast to a commercial bank, a central bank possesses a monopoly on increasing the nation’s monetary base, and usually also prints the national currency, which usually serves as the nation’s legal tender (www.en.wikipedia.org). 2.0HOW BANKS CREATE CREDITS The source of money supply in the form of currency is circulation in Central Bank. It ensures the availability of currency to meet the transaction needs of the economy. The total volume of money in the economy should be adequate to facilitate the various types of economic activities such as production, distribution and consumption. The commercial banks are the second most important source of money supply. The money that commercial banks supply is called credit money. The process of credit creation begins with banks lending money out of primary deposits. Primary deposits are those deposits which are deposited in banks. Bank cannot lend entire primary deposits as they are required to maintain a certain proportion of primary deposits in the form of reserve with the Central bank and Banking regulation act. After maintaining the required reserves, the bank can lend the remaining portion of primary deposit and here the process of credit creation starts. Suppose there are a number of commercial Banks in the banking system – Bank 1 is required to maintain a cash reserve at let say 10% (which is decided by BoT). Bank one has to keep 1000 which is 10% of TZS10000. The remaining TZS9000 can be lent to another customer let say b, where bank 1 will open an account in the name of borrower cheque for the loan amount. At the end of deposits and lending, the balance sheet of bank 1 will be as follows:- The amount advanced to D will return ultimately to the banking system as described in case of B and process of deposits and credit creation will continue until the reserve with banks is reduced to zero. The final picture that would emerge at the end of the process of deposits and credit creation by the banking system is presented in the consolidated balance sheet of all banks are as below:- It can be seen from the combined balance sheet that a primary deposits of TZS10000 in a bank 1 leads to the creation of the total deposit of TZS100000. The combined balance sheet also shows that the banks have created a total credit of TZS100000 and maintained a total cash reserve of TZS10000 which equals the primary deposits. The total deposit created by the commercial banks constitutes the money supply by the banks. This process can be explained with a formula Total credit created = Original deposit x credit multiplier co-efficient. Credit multiplier co-efficient = 1/CRR = 1/10% = 1/10/100 = 10 CCR = Cash Reserve Ratio (10%) Total credit created = 10000 x 10 = 100000 NB: For the case of Tanzania, the reserve ratio (CRR) is 10% it may differ with other countries, for stance, India is 5%. The higher the CCR the lower the credits will be created and vice versa. 3.0FUNCTIONS OF CREDITS Credits play important roles in the economy, for as we all know that resources are scarce, it is impossible for a firm to have abundant of resources so in solving this problem of scarcity, individuals may opt to find loans or credits from various sources. Credits can be important in the following ways; Helps in transfer of money (resources) from those with surplus to those with deficit and want to spend more than they have. This help to relieve the constraint imposed by balanced budget on economic agent, to the financial requirement of investors who have to spend more on trade and investment than their own savings. It ensures better allocation of financial resources and there by encourage economic growth in the economy. Credit is of outstanding significance in the modern economic system. It plays a vital role in business finance. A major portion of the capital, particularly short-term capital is provided on credit. There is no question that credit can provide a smoother flow of money through an economy to ensure that periodic starts and stops are not affected by variations in the cash flow. This is particularly important to ensure smooth operation in many companies as well as for individuals. Furthermore, Purchasing Assets is one of the primary functions of loans is to help borrowers purchase assets. For individuals, this usually means buying a piece of property or a car or a similar large purchase. Businesses, on the other hand, have a wide variety of assets that they need, ranging from factory equipment to expensive computer software and hardware. Both individuals and organizations usually need to take out loans to buy these larger assets. In addition to that, credit helps in Investment; loans are made specifically for investment in stocks, bonds or other types of securities. Investment loans can come from a variety of sources. Sometimes brokerage firms will make loans available to investors so they can purchase extra securities. At other times, banks will make investment loans themselves, especially to businesses that are interested in growth or acquisitions. 4.0LIMITATIONS OF CREDIT CREATION The followings are the limitations or problems in credit creation; Amount of Cash: The power to create credit depends on the cash received by banks. If banks receive more cash, they can create more credit. If they receive less cash they can create less credit. Cash supply is controlled by the central bank of the country. Cash Reserve Ratio: All deposits cannot be used for credit creation. Banks must keep certain percentage of deposits in cash as reserve. The volume of bank credit depends also on the cash reserve ratio the banks have to keep. If the cash reserve ratio is increased, the volume of credit that the banks can create will fall. If the cash reserve ratio is lowered, the bank credit will increase. The Central Bank has the power to prescribe and change the cash reserve ratio to be kept by the commercial banks. Thus the central bank can change the volume of credit by changing the cash reserve ratio. Banking Habits of the People; the loan advanced to a customer should again come back into banks as primary deposit. Then only there can be multiple expansions. This will happen only when the banking habit among the people is well developed. They should keep their money in the banks as deposits and use cheques for the settlement of transactions. Nature of Business Conditions in the Economy: Credit creation will depend upon the nature of business conditions. Credit creation will be large during a period of prosperity, while it will be smaller during a depression. During periods of prosperity, there will be more demand for loans and advances for investment purposes. Many people approach banks for loans and advances. Hence, the volume of bank credit will be high. During periods of business depression, the amount of loans and advances will be small because businessmen and industrialists may not come to borrow. Hence the volume of bank credit will be low (Maliyamkono, and Bagachwa, 1990). Leakages in Credit-Creation: There may be some leakages in the process of credit creation. The funds may not flow smoothly from one bank to another. Some people may keep a portion of their amount as idle cash. 5.0 CONCLUSION The central bank of a country has responsibility of controlling the volume and direction of credit in the country. Bank credit has become these days an important constituent of the money supply in the country. The volume and direction of bank credit has an important bearing on the level of economic activity. Excessive credit will tend to generate inflationary pressure in the economy while deficiency of credit supply may tend to cause depression of deflation. Therefore, there must be balance in credit creation in order to have strong and growing economy. REFERENCES Ahuja H. L (2009); Macroeconomic Theory and Practice, 15th Revised edition, Rajendra Ravinda Printers PVT Ltd. New Delhi. Mudida, R. (2003). Modern Economics: Nairobi Focus publication Ltd. Maliyamkono, T.L. and M.S.D. Bagachwa, (1990), The Second economy in Tanzania Villiers Publications, London. http://www.ehow.com/info_7746614_functions-loans.html#ixzz2IBFRqK1bhttp://en.wikipedia.org/wiki/Central_bank.

Emotions make the world go round Essay

Emotions are one of the unique traits of humans. Not all living things created by God were able to have emotions, only men are permitted to feel and express. Although animals have the ability to sense some things, it is not as powerful and as expressive as that of the humans. Human emotion speaks a thousand words†¦ in silent mode. What we have to understand when it comes to emotion is the reality that it comes from different factors which affects the cycle of emotion and feelings. Organism and environment has something to do with this but it is always linked to the question, â€Å"how do you feel? † which basically means that in emotions, feelings are essential (Kuhl, 1986). Do you ever wonder why a new born baby cries after his or her birth? Scientifically speaking, babies cry after birth because they are cold but there is a long story behind this one which we will not elaborate anymore. Looking in another aspect, away from science, babies cry because it signifies their ability to live. It serves as a sign that they are alive and it assures the people inside the delivery room about the baby’s existence. Looking at this situation through science’s perspective, an infant’s emotion is more likely associated with both conditioning and stimulation. Remember that around four (4) minutes before the baby is born, something happens inside his or her body which triggers the crying when the time to get out of the mother’s womb comes (Morley, 2002). On the other hand, when the baby is already born, we all know that the doctor taps the baby which ignites a little sense of feeling or sensitivity on the baby’s side. Therefore, conditioning and stimulation happens before and after the baby is born, thus, it is clear that there is really an effect both inside and outside the baby’s body. Although science can explain almost everything in life including emotions and feelings, in the end, it does not really matter that much when you were used in feeling and not thinking too much. Emotions are reactions in everything which happens to you. Others might associate it with adrenalin rush but thinking outside the box, emotions were proofs regarding your humanity. It is not the basis of weakness but instead, it is the sign that you are alive and doing well. Many people were not able to express their emotions like anger, fear happiness and sadness and decide to go to medical doctors for check ups. Perhaps, this is one proof that emotions are not just a thing in our life but ability. Works Cited Kuhl, J. (1986). Motivation and information processing: A new look at decision making, dynamic change, and action control. In R. M. Sorrentino & E. T. Higgins (Eds. ), Handbook of motivation and cognition: Foundations of social behavior (pp. 404-434). Chichester: Wiley. Morly, G. M. (2002). Why Do Babies Cry? The Anatomical and Physiological Changes During the Moments After Birth. http://www. cordclamp. com/Why Do Babies Cr1. htm

The Glass Ceiling Research Paper Example

The Glass Ceiling Research Paper Example The Glass Ceiling Paper The Glass Ceiling Paper Despite the advances that have been made in creating equal employment opportunities, discrimination still exists. Minorities, women and the protected class members rise only so high but go no further; this may be described as the Glass Ceiling an invisible but real barrier to upward mobility. The Glass Ceiling is constructed from organisation culture, stereotype thinking and managerial attitudes. When an organisation precludes an individual from advancing as far as they can, both the organisation and the individuals lose. Shattering the glass ceiling would allow for the organisation to develop effective ways of eliminating foregoing mobility barriers, make greater use of selection plans and by moving away from casual, subjective methods (such as typical promotability ratings, quick reviews of personnel files, supervisory informal recommendations) and also pay close attention to the types of KSAOs necessary for advancements and establish programs to communicate these KSAOs to those employees. Disadvantages of the glass ceiling could be excessive turnover this may be a result of employees who find themselves in dead-end jobs or who discover that there are severely limited promotional opportunities, as a result employees are prone to leave the organisation. Another disadvantage would be increased recruiting costs, in that excessive turnover increases recruiting costs: constant and sometimes intensive efforts are required just to keep the position filled, if a companys reputation states that it lacks interest in the career of its employees, the recruiting task becomes more expensive and more difficult. Underutilization of talent may be another disadvantage, in that the absence of career-centered developmental activities that are available may not be used efficiently. Employees may be hired to do a particular job, with little or no thought given to other jobs for which they could be trained and developed. Employee dissatisfaction is also a disadvantage of the glass ceiling; this is a result of the employment expectations not being filled and so employees become de-motivated, unsatisfied and their productivity declines. Another disadvantage could be poor promotional decision based on favoritism, politics and other inconsequential factors rather than on performance, preparation and organisational needs. Moreover, when the wrong persons are promoted for the wrong reasons, it will place a negative impact on the organisation, due to their job performance. Other disadvantage includes Potential Discrimination where in the absence of formulized career planning and development, promotion decisions may tend to be made on the basis of non-relevant job factors (such as stereotype and friendships). Stymied Progression, where for every employee whose upward mobility is precluded, one or more other employees cannot progress because the employee whose progress is stymied blocks the promotion channel.  The consequence of not engaging in career planning and development has underscored the need for a formulized program. Career management should not be left to chance because the organisational risk of doing so is too great. Conclusion The selection of internal candidates follows a process very similar to the selection of external candidates as both methods includes a logic of prediction which states that indicators of a person degree of success in past situations should be predictive of how successful he or she will likely to be in new situations. This is applied and based on this information a selection plan is developed and implemented. One area in which there is a huge difference in internal and external methods is the nature of the predictor. Predictors used for internal selection tend to have greater depth and more relevance and are better suited for verification as a result there are often different types of predictors used for internal than for external selection decisions. The methods that were in selecting the internal candidates were the Initial Assessment Methods, Substantive Assessment Method and Discretionary Assessment Method, which occur at different stages in the selection process. The initial assessment methods that were used to narrow down the applicant pool to a qualified set of candidates were skills inventory, peer assessment, informal discussions and recommendations. The next method in the selection process is the Substantive Assessment method. This assessment is used to select finalists from the list of candidates. The predictors used for making this decision were seniority and experience, job knowledge tests, performance appraisal, promotability rating and lastly interview simulation. In order to narrow down to those who will receive job offers the discretionary assessment method is used. Multiple assessors are generally used with internal selection, simply put not only the hiring managers opinion are used to select who will receive the job but the views of others such as previous manager or top management.  In making job offers there are legal issues to be taken into consideration. Two areas for internal selection are the Uniformed Guidelines on Employee Selection Procedure (UGESP) and Glass ceiling. The UGESP ensures that internal selection methods are valid if adverse impact is occurring. Reference List Dessler G., (2005). Human Resource Management, 10th edition. Prentice Hall.  Heneman H. G. III Judge T, A., (2007). Staffing Organization, 5th edition. McGraw- Hill Irwin.

How to Write a College Essay That Shares Your Passion

How to Write a College Essay That Shares Your Passion When coaching my college essay clients on how to write a college essay, I always tell them to talk about their real passion and to tell their real story – not to talk about what they think other people want them to talk about. In that vein, today, I’d like to share three of my favorite things with you. One is a recipe, one is a book, and one is a blender. They are all related. And they have little to do with job search or LinkedIn, but they have everything to do with commitment and passion. You could say this is what I might write about for a supplemental college essay, if I were writing one. One of the things that is most important to me in my life, besides writing and personal growth, is health and wellness. I’ve written articles that include kale references, and I blogged on July 17th about the value of regular exercise for productivity. What I put into my body is extremely important to me, and I’ve recently been excited by a book I stumbled across: Zero Belly Smoothies It was love at first sight, and have spent many a Saturday afternoon trying out the recipes that grace its pages. The book, which is now my smoothie bible, has not left its spot next to my Blendtec blender since I started my craze. Chocolate Decadence You might not know this, but smoothies are one of the best ways to get nutrients into your system – they make a great breakfast and are also the perfect replenishment after a workout. I drink them for both occasions! The best thing is that they can be both healthy and delicious. Did you know that you can put black beans, avocado, and banana in a smoothie and make it taste like a rich dessert, while getting 25g of protein? I didn’t, until a few weeks ago. And my life has been transformed. To share my joy over the above-mentioned potion, I’m giving it to you here. You can find this delectable recipe and more at Zero Belly Smoothie Recipes for Breakfast, Lunch and Dessert. RECIPE: Chocolate Decadence Smoothie 1/2 banana (preferably peeled and frozen) 1/4 ripe avocado, peeled, pitted, and quartered 1/4 cup black beans 1/2 cup unsweetened almond milk 1/4 cup chocolate plant-based protein powder 6 ice cubes Water to blend (optional) 300 calories, 9 g fat, 34 g carb, 11 g fiber, 9 g sugar, 25 g protein I also particularly like Zero Belly’s Velvety Elvis smoothie, which includes banana, spirulina, and almond butter. What a treat – and it looks like the ocean! But I can’t find it on the internet and dare not violate any copyrights. Plus I really think everyone with any interest in smoothie creations must buy the book. Of course, you’ll need a blender to do these recipes justice. Whole food smoothies, sadly, cannot be made by hand. Not a Blender Fan? You might be lamenting, â€Å"My blender smells like rubber anytime I make it work hard.† Or, â€Å"My blender is so hard to clean!† or â€Å"My blender leaves big chunks of food in my drink. ‘Smooth’ is the last word I’d use to describe the sludge my blender produces.† Or you might be saying mournfully, â€Å"I have an awesome blender I paid hundreds of dollars for and it’s sitting there on my kitchen counter, next to my unused juicer. I’ve given up.† If you have a Vitamix or Blendtec blender and it’s wasting away unutilized, it’s time to dust it off and get it cranking! If you have any other type of blender, and you are inspired to get serious about smoothies, it’s worth investing in a good one†¦ either a Vitamix or Blendtec. In my opinion, Blendtecs are the better value. I’ve had mine for years and love it more every day. Another advantage of smoothies is that you can freeze them and have your supply ready for the week; and if you’re on the go, they make a quick 1-minute meal. (I’m not a fan of savory â€Å"lunch† or â€Å"dinner† smoothies, but give those a try if you’re curious.) One of my favorite tricks is how to bring a smoothie onto an airplane (it starts as powder and turns into a nutrition-packed meal)! If you travel for work, bringing â€Å"smoothie packs† along with you is a great way to stay healthy while on the road. Ask me if you want to know more about that. Not Really a College Essay So I didn’t really write a college-essay-worthy essay here, since I would never want any student to give advice in a college application. But have I gotten my excitement across – and provided some insight on how to write a unique college essay? I hope so, and if I’ve transmitted any of that excitement to you, I’d be happy to share more of my favorite recipes privately. They might just change your life too. And if you want more advice on how to write a college essay, check out my article,  How to Write a Great College Application Essay: 2017-18 Common App Prompts, or check out my college admissions services  and work with me one-on-one.

Fashion marketing Essay Example | Topics and Well Written Essays - 500 words

Fashion marketing - Essay Example It takes over other stores to enter a new market and because of the brand name, it is able to quickly settle in. (International Operations, 2008) As mentioned above, Wal-Mart has a simple strategy which it practices around the globe. This has been the reason why Wal-Mart hasn't been able to do well in Germany and China. The same strategy cannot be implemented across cultural and geographical boundaries. Despite the standard strategies around the world, Wal-Mart has to adapt to an extent like the low budget stores in Brazil and small subway stores in China. The global initiative does not support its marketing strategy very well in all regions, Wal-Mart needs to adapt and be flexible in order to be success. (International Operations, 2008) Currently it does not seem that Wal-Mart will be successful in Japan or German. To be successful, the management should study the local conditions of store chains that are functioning well and adopt a similar marketing strategy since learning is the best thing to do. Also Japan and Germany are very quality conscious thus the best thing is to give them high quality products at higher rates. And also before starting any operations, Wal-Mart should perform an extensive market research like the one being conducted in India. According to the conclusion th

REPORT ON TRANSITION PLACEMENT Essay Example | Topics and Well Written Essays - 1000 words

REPORT ON TRANSITION PLACEMENT - Essay Example According to Hicks (2008), obesity is a major factor in developing diabetes. The latest trend in technology--automobiles as substitute for walking; video games in lieu of tag and hide and seek, has led more and more people to drop simple physical activities for machines that decrease work effort. In a study conducted across Organization for Economic Co-operation and Development (OECD) nations, â€Å"...one in 2 adults is currently overweight and 1 in 6 is obese...† (Robb, 2010, n. pag.). Students working with specialist nursing specializing in diabetes will gain knowledge and understanding of the dynamics that surround the causes of diabetes. Knowledge on prevention of the said disease will help the student educate others in the aim of raising awareness and decreasing the incidence of the disease. Education and information dissemination will be the first step towards this goal; eventually leading towards lifestyle modification among the participants. Apart from education, the skills learned while working with the nurse specialist can be used in monitoring the blood glucose level, as well as drug therapy, of those diagnosed with the said disease. Blood sugar control and proper administration of drugs results in its desirable effects. These effects can range from symptom alleviation to prevention of complications such as heart disease and stroke, high blood pressure, blindness, kidney disease, nervous system disease, and amputation (ADA, 2011). In a study conducted by Edwall et al. (2008), constant follow-up by nurse specialist enabled the patient to foster understanding and acceptance of their disease; which demonstrated a desirable effect on the patients’ manner of coping with the struggles associated with the illness. The positive outcome was brought about by the following aspects: â€Å"being confirmed, being guided within the disease process, becoming confident and independent and being relieved† (Edwall et al., 2008, n. pag.). The patie nts gained a sense of power over the disease and this gave them satisfaction. Knowledge of special care regimen will lead to a more effective nursing care. Specialization in this field will allow the student nurse to address the patients’ concern regarding their illness. According to Heitkemper and Bond (2004), specialist nurses can provide support and guidance that can enhance patient care, refine nursing practice, and invigorate the healthcare delivery systems. Reference American Diabetes Association. (2011). Diabetes statistics. Retrieved from http://www.diabetes.org/diabetes-basics/diabetes-statistics/ Boyer, B., & Paharia, I. (Eds.). (2007). Comprehensive handbook of clinical health psychology. New Jersey: John Wiley & Sons. Edwall, L., Hellstrom, A., Ohrn, I., & Danielson, E. (2008). The lived experience of the diabetes nurse specialist regular check-ups, as narrated by patients with type 2 diabetes [Abstract]. Journal of Clinical Nursing, 17(6), 772-781. doi: 10.1111/j .1365-2702.2007.02015.x Heitkemper, M., & Bond, E. (2004). Clinical nurse specialist: State of profession and challenges ahead. Clinical Nurse Specialist: Journal for Advanced Nursing Practice, 18(3), 135-140. Retrieved from