Wednesday, September 18, 2019
Black Thursday Stock Market Crash Essay -- American History, Great Dep
In early 1928 the Dow Jones Average went from a low of 191 to a high of 300 in December of 1928 and peaked at 381 in September of 1929. 1929Â…) It was anticipated that the increases in earnings and dividends would continue. (1929Â…) Price to earnings ratio's rose from 10 to 12 to 20 and higher for the market's favorite stocks. (1929Â…) Observers believed that stock market prices in the first 6 months of 1929 were high, while others saw them to be cheap. (1929Â…) On October 3rd, the Dow Jones Average began to drop, declining through out the week of October 14th. (1929Â…) On the night of Monday, October 21st, 1929, margin calls were heavy and Dutch and German calls came in to sell overnight for the Tuesday morning opening. (1929Â…) On Tuesday morning, out of town banks and corporations called in $150 million of call loans, and Wall Street was in a panic before the New York Stock Exchange opened. (1929Â…) On Thursday, October 24th, 1929, people began to sell their s tocks as fast as they could., sell orders flooded market exchanges. (1929Â…) This day became known as Black Thursday. (Black ThursdayÂ…) On a normal day, only 750-800 members of the New York Stock Exchange started the exchange. (1929Â…) There were 1100 members on the floor for the morning opening. (1929Â…) Furthermore, the exchange directed all employees to be on the floor since there were numerous margin calls and sell orders placed overnight, extra telephone staff was arranged at the member's boxes around the floor. (1929Â…) The Dow Jones Average closed at 299 that day. (1929Â…) On Tuesday, October 29th, 1929, the crash began. (1929Â…) Within the first few hours , the price fell so far as to wipe out all gains that had been made the entire previous year. (1929Â…) This day the Dow Jones... ...cial reports were reliable. After the crash, the Securities and Exchange Commission (SEC) was established to law down the law and to punish those who violated. (1929Â…) Also during the crash 4,000 banks failed, for the simple fact that the banks ran out of money. Four years later, congress passed the Glass-Steagall Act, which essentially banned any connection between commercial banks and investment banking, to ensure that is would never happen again. The Federal Reserve and other banking regulators have softened some of the Act's separation of securities and banking functions by letting banks sell certain securities through affiliated companies. (1929Â…) Bibliography 1. c Black Thursday: The 1929 Stock Market Crash. www.letsfindout.com. 2. 1929 Stock Market Crash. www.arts.unimelb.edu. 3. 1929-1931. Annals of America. Encyclopaedia Britannica Inc. Volume 15: 32-39
Tuesday, September 17, 2019
Macbeth As A Tragic Hero :: essays research papers
Shakespeare uses many forms of imagery in his plays. Imagery, the art of making images, the products of imagination. In the play Macbeth Shakespeare applies the imagery of clothing, darkness and blood. Each detail in his imagery contains an important symbol of the play. These symbols need to be understood in order to interpret the entire play. Within the play ‘Macbeth’ the imagery of clothing portrays that Macbeth is seeking to hide his “disgraceful self'; from his eyes and others. . Shakespeare wants to keep alive the contrast between the pitiful creature that Macbeth really is and the disguises he assumes to conceal the fact. Macbeth is constantly represented symbolically as the wearer of robes not belonging to him. He is wearing an undeserved dignity, which is a point well made by the uses of clothing imagery. The description of the purpose of clothing in Macbeth is the fact that these garments are not his. Therefore, Macbeth is uncomfortable in them because he is continually conscious of the fact that they do not belong to him. In the following passage, the idea constantly reappears, Macbeth’s new honors sit ill upon him, like loose and badly fitting garments, belonging to someone else:                     New honors come upon him                     Like strange garments,                     Cleave not to their mould                     But with the aid of use (I, iii, 144-145) This passage is clearly demonstrating that Macbeth cannot fit in these garments. They are not meant to and the clothing imagery is therefor effective. The second form of imagery used to add to the atmosphere is the imagery of darkness. Macbeth, a Shakespearean tragedy contains and demonstrates the darkness in a tragedy. In the play, the design of the witches, the guilt in Macbeth’s soul and the darkness of the night establish the atmosphere. All of the remarkable scenes take place at night or in some dark spot, for instance; the vision of the dagger, the murder of Duncan, the murder of Banquo and Lady Macbeth’s sleep walking. Darkness symbolizes many things such as evil and death in the play. Thus is evident when Macbeth calls on night to come so that he can proceed with Duncan’s murder. Macbeth says:                     Come, thick night, And pall thee in the dunnest smoke of hell, That my keen knife see not thee wound makes Nor heaven peep through the blanket of the dark (I, v, 51-53) Macbeth calls on thick night to come cloaked in the blackest smoke so that it may not reveal or witness his evil deed and black desires.
Home Based Childcare Risk Assessment
Course Code|Course Title|Assignment No. and Name | DS31|Diploma in Home-Based Childcare Unit 1|2a Keeping children safe and healthy| This is a Risk Assessment of a domestic setting to be used for childminding, the children will have access to the following rooms/areas: Hallway/Stairs Downstairs Toilet Dining Room Kitchen Lounge Bedroom Garden Possible hazards and risks for each room/area are detailed below: 1. Hallway/Stairs – Access to the stairs, risk of falling. 2. Downstairs Toilet – Risk of chemical poisoning (bleach and cleaning chemicals); access to contaminated water from the toilet bowl. 3.Dining Room – Risk of shock from electrical sockets; radiators that may get very hot to the touch; cupboards with breakable items inside. 4. Kitchen – Fire and burn hazards from the cooker; cupboards containing cleaning chemicals; flexes from appliances and appliances themselves are a hazard. 5. Lounge – Electrical sockets; radiators; wires and cables fro m the TV are visible, young children could play with them/trip on them/get an electrical shock or worse; clear glass patio doors; a rug that could pose a trip or slip hazard. 6. Bedroom – Electrical sockets; radiator; windows with openings children could reach. . Garden – Sheds with gardening equipment (such as a lawnmower and shears) and chemicals. It is necessary to carry out the following measures to minimise/overcome these hazards: 1. Hallway/Stairs – Install safety gates at the top and bottom of the stairs. 2. Downstairs Toilet – Remove and lock away all chemicals; install a toilet lock to prevent toddlers being able to access the toilet bowl. 3. Dining Room – Fit socket covers to all accessible electrical sockets; install childproof locks on all accessible cupboards; fit radiator covers to prevent burns. 4.Kitchen – Install a safety gate; install childproof locks to all accessible cupboards that may contain chemicals or breakable items ; keep plastic bags out of sight and reach; fix safety film to the glass door; keep all appliances and flexes pushed to the back of surfaces (toaster, microwave, kettle); keep a fire blanket in a sensible place in easy reach in emergencies. 5. Lounge – Fit socket covers to all accessible electrical sockets; fit radiator covers; apply an anti-slip underlay to the rug; tidy the TV cables out of reach and sight; apply stickers at child eye level on the glass patio doors to prevent children running into them. . Bedroom – Fit socket covers; radiator covers; ensure window locks are always used to prevent children falling out. 7. Garden – Separate outdoor play items from gardening equipment/chemicals in the shed, keeping dangerous items out of reach; ensure children are always supervised when accessing the outdoor play equipment in the shed. Other Measures to include: anti-slam device to internal doors, fitting locks to all rooms children are not allowed access to and testing fire alarms on a regular basis.
Monday, September 16, 2019
McBride Financial Marketing Plan Essay
McBride Financial is a fast growing organization with plans to open a total eight offices located in Idaho, Montana, Wyoming, South and North Dakota. Services will specialize in providing financial mortgage assistance to first time buyers, retirees, professionals, families and individuals with credit problems. McBride Financial provides customers with informative information without any hidden cost. Breakdown of services and rates are thoroughly explained with every home purchase. Applications are processed within one business day. Marketing Plan The development of McBride Financials marketing plan will require various forms of market research. The three major groups McBride will focus on will be first time buyers, buyers with credit problems, and retires purchasing primary or secondary homes. Market research will be conducted through the collection of surveys, contact methods, marketing intelligence and internal data. Advertising will consist of promotional television, radio, newspaper, and internet ads that appeal to specific marketing groups. Local realtors will be used for advertising purchases as well. Marketing strategies will be developed that establish McBride Financial as the leader in low cost mortgage services. Online Research Most consumers have access to the internet; as a result McBride Financial will conduct online surveys to reach a broad focus group. â€Å"Online research accounts for 8% of all spending on quantitative marketing research, and most industry insiders predict healthy growth†(Armstoring & Kotler, 2005). Cost associated with online research is minimal and will help McBride Financial meet budget demands. The use of online surveys will be implemented to gain a better perspective of consumer needs. Surveys will consist of 25 questions related to home purchasing and financial planning. Surveys will be forward to the marketing department for further analysis and plan development. Media Advertising McBride Financial currently has plans to air a radio ad which informs consumers of the company low cost special financing offers. McBride Financial has included a promotional pamphlet that will be available at airports, store newsstands and realty offices. In addition, an ad has been printed in newspapers nationwide. The development of McBride Financials television ad is currently in the works and will began broadcasting later this month. McBride Financial has joint-ventured with Realtor.com in order to reach our expanding consumer based. â€Å"Realtor.com is the largest real estate database of homes for sale and the official site of the National Association of Realtors; real estate listings, realtors, mortgage rates, home buying help and much more can be accessed through the website†. Financial calculators, investing tips, lender comparison, and many other services can be access through relator.com. Links to McBride Financial can be found under the mortgage lenders link. Internet Marketing Part of the McBride Financials advertising plan will focus on internet advertising through the company’s website. In order to expand marketing efforts, McBride Financial will develop and maintain an interactive website that provides consumers with information regarding the latest rate changes and tax breaks. Internet advertising makes use of banner ads, search engines, email adverting, and paid search terms. â€Å"Internet advertising involves bringing users to a web site or generating traffic; the web site itself may consist primarily of a simple presentation of information about a company, its products and services†(Magee, N.D.) Target Market McBride Financial will focus their lending services toward three major groups. All consumers are encouraged to use McBride Financial as a qualified mortgage lender. First Time Buyers Purchasing a new home can be overwhelming for many first time buyers. McBride Financial service will work closely with first time buyers to ensure customers receive the best available rates and the largest tax breaks. McBride Financial offers services to fit all first time buyer needs: Credit reports, appraisals, home inspections and easy approval can be complete by filling a simple application. Credit Problems McBride Financial offers specialized services for clients with credit problems. McBride Financial offers services for a fixed rate of $1500 dollars. Our rate is significantly lower than our competitors and accommodates consumers with less than perfect credit; preapproval is quick and easy. Retirees Purchasing the perfect vacation home can be made easy due to McBride Financials state of the art property search. Home buyers can quickly lock-in prime rates and feel assured their rates will not change. Advanced information systems ensures the security and privacy of all customers are highly maintained. Conclusion Providing consumers with competitive mortgage lending requires effective advertising and a strategic marketing plan. McBride will meet the demands of consumers by providing the lowest rates available for qualified borrowers. Retirees, first time buyers and clients with credit problems will benefit from McBride Financial services. Marketing strategies will be employed to allow consumers to apply line of credit. McBride will be the leader in lost cost mortgage services.
Sunday, September 15, 2019
Jane Eyre Essay
How does Charlotte Bronte engage the reader’s sympathy for Jane Eyre in the opening two chapters of the novel? Charlotte Bronte the third daughter of Patrick and Maria Bronte, who was born in 1816 at Thornton, a moorland village near Bradford and was almost four when the family moved to Haworth. There, she, like the rest of her family was to spend almost all her life. The family liked privacy and since Mr. Bronte was busy with work and their mother was ill with cancer and died after only 18 months at Haworth, the children spent all their time together and were extremely close. The nurse who looked after Mrs. Bronte said that they were different from any children she had ever seen because they seemed so quiet and serious. When Charlotte was eight, Mr. Bronte sent her, with Maria, Elizabeth and later Emily, to a school for the daughters of clergy at Cowan Bridge. He thought education would be useful to his girls in the future, but their experiences were all too similar to those Charlotte Bronte gives Jane Eyre at Lowood. Maria and Elizabeth both died of tuberculosis, after less than a year, and Charlotte and Emily were taken away from the school and returned to studying at home with their father. Charlotte considered herself to be very plain, even ugly, and did not really hope for marriage, although she received three proposals. Like Jane Eyre, she was always sad that she was not more obviously attractive. Beauty was something she admired and longed for. At Roe Head, she worked hard, was successful and made several long life friends. She hated the job but when she was not teaching or marking books she had to work at mending the pupils’ clothes. She became so depressed and ill that she had to leave. The next idea was that the girls should set up a school of their own. In order to finish training for this, Charlotte and Emily went to study in Brussels. As well as learning much, however, she fell in love with Monsieur Heger, the husband of the head of her school. No real relationship could ever develop, apart from friendship, and she left Brussels broken-hearted. This Experience provided the ideas for two of her books â€Å"The Professor†and â€Å"Villette†. At the age of 38, Charlotte agreed to marry Arthur Bell Nicholls, a curate who assisted her father for many years and who had loved her for a very long time. She had rejected his affection in the past, but their marriage was successful and they developed a happy companionship so it was all the more tragic that she enjoyed it for only one year. She died in 1855 of complications arising from pregnancy. Her father, who had outlived all her children, had said that â€Å"she was not strong enough/for marriage†. Bronte engages sympathy towards Jane because of the utilization of the first person by the narrator. â€Å"I was glad of it: I never liked long walks. †By using ‘I’ the writer ensures that we see things and feel things from Jane’s point of view. We have empathy for her. Jane is made to feel isolated when the Reeds sit together and exclude her. â€Å"The said Eliza, John, and Georgiana were now clustered round their mama in the drawing-room†. Also, we feel compassion when Aunt Reed talks to her and tells her that she does not want her to be in with her own children since she was very rude when she was near her elders. Sympathy is engaged again when Jane goes to the breakfast-room alone because she was told to sit somewhere else and be silent until she could speak pleasantly. In the Breakfast room Jane finds a bookcase. Soon she was â€Å"possessed†by a volume which she made sure should be one â€Å"stored with pictures†. As she looked the book she describes the landscapes in the book are and the places where they may be found. The reader is completely on Jane’s side when John Reed verbally and physically abuses her. â€Å"The volume was flung, it hit me, and I fell, striking my head against the door and cutting it†â€Å"I felt him grasp my hair and my shoulder†. The reason for this is because of the brutality described. Jane tries to fight back but Miss Abbot and the nurse pull her away from John, and they hold her down. â€Å"My impulse was to rise from it like a spring; their two pairs of hands arrested me instantly. †Although John is bigger physically she still wants to attack him, because he said, she was less than a servant to him. †Master! How is he my master? Am I a servant? †â€Å"No; you are less than a servant. †Nobody is on Jane’s side, not even the servants. They all came to rescue John Reed from Jane. Again, our sympathy for Jane is reinforced. The sheer injustice of Jane’s circumstances gets our sympathy. Nobody accepts her version of events, even though Mrs. Reed is aware that John has been bullying Jane. â€Å"He bullied and punished me; not two or three times in the week, nor once or twice in the day, but continually. †â€Å"Every nerve I had feared him, and every morsel of flesh in my body shrank when he came near. †â€Å"†¦the servants did not like to offend their young master by taking my part against him and Mrs. Reed was blind and deaf in the subject: she never saw him strike or heard him abuse me†¦.. †. Again, the reader’s sympathy is engaged when we hear that Bessie will tie Jane to a stool in the Red Room. â€Å"If you don’t sit still, you must be tied down, said Bessie. †This is a complete over-reaction. Abbot and Bessie talked about their opinions of Jane in front of her which is very rude. â€Å"And you ought not to think yourself an equality with the Misses Reed and Master Reed, because Missis kindly allows you to be brought up with them. †Jane describes the Red Room as being very grand but cold. She also states that it is not frequented by people much because Mr. Reed had died there nine years ago. â€Å"Only the housemaid went there by herself on Saturdays, to wipe from the mirrors and furniture a week’s quiet dust: and Mrs.Reed herself, at far intervals, visited it to review the contents of a certain secret drawer in the wardrobe, where were stored divers parchments, her jewel-casket, and a miniature of her diseased husband; and in those last words lies the secret of the red-room – the spell which kept it so lonely in spite of its grandeur. †Jane’s childish imagination is engaged when she realises she has been locked into this forbidding room. She sees herself in the mirror – ghostly as she remembered Bessie’s stories about phantoms. Superstition is with Jane. We now hear Jane’s opinion about her unfortunate situation. Our compassion is with her as we hear her side of the story. â€Å"John Reed’s violent tyrannies, all his sisters’ proud indifference, all his mother’s aversion, all the servants’ partiality, turned up in my disturbed mind like a dark deposit in a turbid well. †She talks about John’s behaviour and tells us that he has mentally affected her and this indicates that she would be more that happy to run away just for his sake. â€Å"Georgiana, who had a spoiled temper, a very acrid spite, a captious and insolent carriage, was universally indulged. â€Å"
Saturday, September 14, 2019
Jonathan Livingstone Seagull Essay
After reading on Jonathan Livingstone seagull, write down reflective value and believe about the meaning and purpose of life. Jonathan Livingston Seagull is about a very independent bird, who dared to question what was being taught and told to him by the elders. He didn’t just want to spend his days searching for food and hanging out doing what was expected of him. He was different, and dared to dream. He spent his days learning to fly faster and better than any other gull in the flock. He learned from all of his searching and trying that he could do anything, if he wanted it badly enough and just went for it, even to the point of becoming an outcast. At one point in time, in so learning and perfecting his craft, he crash landed and died, going onto a higher lever of his awareness, to learn more lessons from his guide, Fletcher. He continues through the story, becoming more and more proficient in his endeavours and in turn becomes a teacher/guide to others, becoming a kind and loving soul along the way. Jonathan Livingston Seagull is a bird who wants nothing more than to fly. Raised in a group of gulls that saw flying as only a means to an end, Jonathan challenged their way of life by believing that flying could be about more than transportation or getting food†¦ it could be about joy and happiness and freedom. When told he was irresponsible for trying exceed his expectations Jonathan replied: â€Å"Who is more responsible than a gull who finds and follows a meaning, a higher purpose for life? For a thousand years we have scrabbled after fish heads  and now we have a reason to live  to learn, to discover, to be free! †An outcast from his flock, Jonathan took his exile with a grain of salt, finding joy in his love for flight and his constant desperate desire to grow and to learn. He pushes himself to the breaking point and is never satisfied enough with his knowledge and never tires of the quest to obtain more. Bach gives us a character that stands alone with his ideas and beliefs and is rewarded for his patience and courage. The second half of the book shows Jonathan learning so much that he transcends his earthly form into a higher plane of being. Here, Jonathan is met with other gulls who like him, strive for excellence and do not see flying as a means to an end, but simply love to fly for the sake of loving it. This part begins to reflect a bit of the Buddhist mindset about heaven and a universal knowledge which can seem a bit confusing at first. Jonathan finally returns to his flock on Earth to try for better or worse to show that there is more to life than what they are striving for. This is a fable about the importance of making the most of our lives, even if our goals run contrary to the norms of our flock, tribe or neighbourhood. Through the metaphor of flight,Jonathan’s story shows us that, if we follow our dreams, we too can soar. Amazing inspiring story of seagulls. It tells us nothing is impossible in this world. You just have to have the desire to achieve it.
Friday, September 13, 2019
Object biography Essay Example | Topics and Well Written Essays - 750 words - 1
Object biography - Essay Example Egypt is regarded as the origin of civilization. The pyramids are some of the structures in the Egyptian that combines the aspects of science, mathematics and technology in an era that human development was still remote. The construction of Egyptian pyramids started ii 2440BC and took the country 23 years to complete (Morris, 97). The Hebrew slaves who had been exiled into Egypt during the reigns of Pharaohs did most of the work. The largest of these pyramids, the great pyramid contains more than 2 million limestone blocks put together to form an iconic structure. The pyramid rises from a rectangular base, and the size of nearly eight football fields and slopes at an uniform angle of 51degrees to meet at a peak more than 4500 feet above the base. The technology that assisted this construction remains a great mystery. The calculations and the exact ability to construct a structure that is more than 6 tons heavy that still stand the firm and a strong close to five millennia later is hi storic (Allen, 313). The precursors of the pyramids are believed to be the mastabas, flat-roofed structures carved from rock that were used as royal tombs. These tombs were developed to keep the embalmed bodies of kings and rulers of the empire (Allen, 313). With time, the mastabas were improved through the use of mud bricks and raised to become shrines for the communities. What followed was the replacement of the mud bricks with curved limestone layers, and a height of 204 feet was first achieved. The original idea and calculations, which are believed to have originated from architect Imhotep, a priest and healer (Watson, 245). The pyramids were, therefore, built as tombs for the kings and the pharaohs, and the size of each of these structures was, therefore, related to the significance that the people put on the specific leaders and rulers. It is said that each pyramid was started when the king was chosen and continued to be built for
Subscribe to:
Posts (Atom)