Race and Power Essay

The average person looks at race as being the physical differences, characteristics or maybe even the status we uphold as an individual. This only contributes to the racial inequality, humility, insults, and assumptions that we as Americans have its origins of creating. This is partly due to 1619, the first Africans who arrived to Jamestown as slaves, and all the attempts from 1783-1918 to conquest the Native Indians. These are two of the many crucial building blocks in our history, for they are the moments that Americans felt power, used dictatorship, and saw wealth. These are also moments in American history when certain laws created race as a whole, not the genetic and biological difference. Families were taught and children were trained at a very young age to compare and socialize with common folks. This rose for an advantage in opportunities for those classified as white, and the rest were left to fit in their society. Whiteness was considered more than just a skin color it was a privilege. From 1880-1920, twenty-three million immigrants came here to America for freedom and the pursuit of happiness, but were left with the slums, an industrialized area where the hardest, most dangerous, yet least paying jobs were available to them and all the other inferior races. New established laws like Aliens Land Act only proved this inequality by raping and prohibiting land ownership, then to only sell this same land to the whites for their own profit and pleasure. Another law that followed was the Federal Housing Act, this law was established in 1934, soldiers/veterans were back from war and ready to start families, and had no home to do this in. Once again though only whites were granted with these amenities, required little money

Male Bashing Stereotype Essay

‘’Male bashing stereotype† by Kimberly Graham article is a first person account about the question of what women want and her wants and dislikes. The author’s main point is that no one really has a clear idea of what women want. There are so many books and shows about the wants and needs of both women and men but especially women and they are all inconclusive of what the whole populations of women really want. The author is right that whether you are a feminist or a typical woman you don’t always know what you want in a man. A woman might want a man that is tall, handsome and makes a lot of money but she doesn’t want him to be controlling, a pig, or insulting. Sometimes when you ask for specifics characteristics you get stuck with others that are not welcome. You might want a man that works but you don’t want him to show up at your house all dirty from work for your date. It is hard to find someone that matches your specification exactly if you don’t even know what those specifications are and what sacrifices you are willing to make as a woman but have what you want. The article targets people that want to learn about relationships and the stereotypes that are put out there about dating. The author wants people to dwell longer on what they don’t want instead of what they do want. â€Å"So what does this paper prove? I have come up with an answer to the question of what women want. Or have I? No, the statement is too vague. Society should not generalize-it’s an emotional question. †

For or against the concept of fate Essay Example | Topics and Well Written Essays - 1000 words

For or against the concept of fate - Essay Example Fate is considered to be an event or a course of events which are bound to happen no matter what choice of action an individual makes (Strandberg). For example if a person is born in a poor family, it is his/her fate. There was absolutely no control of man over this event. On the other hand there is choice, which means that events that take place due to an individual’s choice of actions. There are several schools of thought which explain the influence of choice and fate in one’s life. The first school of thought suggests that there is no such thing as fate which has an influence of human life. All events that take place in one’s life and in the universe are governed by the actions of individuals themselves. If an individual takes correct decisions, he/she will have complete control over the results. If bad decisions are made, one cannot blame fate or coincidence for his/her failures. Psychologists have identified that people always tend to escape from their failures believing that they had no control over the events in their lives. Fate is seen as a physiological defense system which enables man to neutralize the pain of failure. (Is there something called destiny?) The second school of thought explains that not all the events in life are in control of human beings. There are various such instances where the situation might not be in the hands of an individual. The logic behind this theory is that as soon as an individual has taken a decision, he/she becomes bound to the laws of the nature (Is there something called destiny?). For example, if a couple wants to have a family or not, it is their choice, but if they do, then the baby will be a boy or a girl will be determined by the nature rather than the couple itself. Therefore, there are several alternate decisions that individuals might have, but once they have taken the decision, their

Mobile telephone ( listening and reading, with vocabulary ) Assignment

Mobile telephone ( listening and reading, with vocabulary ) - Assignment Example In cases of emergencies such as accidents, mobile phones can be used to call the police. On the other hand, mobile phones also provide us with entertainment such as music or videos and they are also capable of storing a lot of data such as music videos, contacts as well as pictures. The mobile phones also have other applications such as word, spreadsheets, internet, alarm, camera, convertors and many other functions. As such, I chose this topic because mobile phones help us in different ways in our daily lives. 2 What was it about? Both the video and the article selected are about the importance of mobile phones in our lives. The video uses attractive pictures of the cell phones which show different models of phones available on the market. The video shows different types of cell phones and specific features about them and the article in particular outlines the important functions of cell phones. 3 Did you read or listen first? Why? Do you think the order you chose helped you or not? How many times did you need to read & listen before you felt confident about understanding the topic and vocabulary? How do you feel about this topic, e.g. positive or negative feelings? Do you agree/disagree with the ideas?† I listened and watched the video then proceeded to read the article. I repeated the process so as to get a clear understanding of the message presented in the article as well as the video clip as well. The vocabulary used in the video and the article is very simple. I did not find any new word that was confusing since the vocabulary used was easy to understand. I felt confident after reading the article and watching the video. This topic is very interesting and I have positive feelings about it given that some of us cannot live without cell phones. I have also discovered that cell phones have become an important part of our lives since we can use them to communicate or perform other work since they have many functions similar to computers. In the modern day, we use mobile phones to do a lot of things which are related to our work and social needs. I agree with the ideas suggested in the video and the article about the importance of mobile phones. 4. Did you learn anything new from this reading & listening? What? Since I also use a mobile phone on a daily basis, I did not learn anything new about this topic. 5. Was this topic connected in any way to your future studies and if so, how do you think you can find out more about it? Somehow, the topic is connected to my future studies since I use the mobile phone to perform a lot of functions such as researching different subjects related to my area of study. 6. What was easy/ difficult about it? The topic was easy to understand since the article was written in simple terms and was straight forward. The video also showed attractive images and it explained in detail the advantages of using a mobile phone in our lives. I realised that the mobile phones can enable us to reach people in diff erent parts of the world from anywhere. We use cell phones every day so I did not discover anything new about this topic. I can safely say that the topic was not difficult in any way. 7. Which was the more challenging aspect, the reading, or the listening? Why? There was nothing so challenging in reading the article and watching the video. The article in particular outlined more details that were clearly explained

Teaching Strategies Article Example | Topics and Well Written Essays - 250 words

Teaching Strategies - Article Example The content knowledge in this strategy is the encouragement of peer to peer communication and interaction. This strategy enables learners to interact with students who speak English as the primary language s that they are enabled to clarify the essential concepts. The instructor uses various activities which helps the learners to go through he guided interaction successfully by grasping key language skills and concepts. This strategy helps learners to practice their pre-reading and also pre-writing skills so that they could have a meta-cognition of English language. This strategy helps the learners to express their thinking processes in verbal and written language. The assessment activities that teachers use in this strategy include think aloud and guides for complete chapter readings (Tissington and LaCour, 2010). Explicit instruction involves teaching the essential language concepts with an aim of building the background knowledge of the learners. At this stage, learners are given tasks which require cognitive skills of English reading. The teacher employs tools and activities which enable learners to classify, analyze, compare, interpret and synthesize the language concepts. This strategy aims at introducing learners to concepts which emanate from familiar themes, prompts and resources. The instructor aims at motivating the learners to link various ideas from their linguistic and social cultural backgrounds so that the interest of the student in learning English is determined. The motivation of the teacher will enable students to overcome the learning challenges (Tissington and LaCour,

Judges Rule on the Basis of Law Case Study Example | Topics and Well Written Essays - 2750 words

Judges Rule on the Basis of Law - Case Study Example In the legal systems of any given state, judges play a very significant role. However, for the judges to work efficiently the independence of the legal system need to be upheld. This is because judges should make rulings as per the law but not the opinions of the public. Judges are also required to differ from pressures in existence if their ruling is to be regarded as fair. In any given case, pressure from either group of people or individuals should not deter the judges from making their rulings according to the law (Reavley, 2002). However, there is an argument made that the government is a human affair. Contrary to the fact that the judge should rule in accordance to the law, critics made argue that people are well ruled if the judges understand the people’s thinking as well as put into consideration their opinions. They further argue that there is a danger that arises if the law and justice become rigidly bound to recorded laws or statutes. This raises an urge for the jud ges to put into consideration the public’s opinion (Bingham 2011, p.13). Judges should restrict their ruling on the basis of law only without being driven by any public opinion. However, judges should not only rely on only the written statutes and laws and this calls for them to seek public opinion as well as what the public thinks (Reavley, 2002). In Case [2012] EWHC 2381 (Admin), there are tragic cases in consideration. The cases presented the society with ethical and legal questions of a unique and difficult kind. The cases also raised some constitutional questions which called for the attorney general’s intervention. The court was forced to invite the attorney general. The cases involved two claimants who suffered from catastrophic physical disabilities. However, the claimants’ mental processes were unimpaired by the fact that they were fully conscious of the predicament they were going through. Both of them suffered a locked-in syndrome.  Ã‚  

Information literacy Research Paper Example | Topics and Well Written Essays - 1500 words

Information literacy - Research Paper Example fective, and acceptable ways of family planning of their choice, and have the right to appropriate health-care services that enable women to go through pregnancy and childbirth safely (Nelen et al., 916-91). Accessibility of sexual and reproductive health care is both a critical need and a right, but during crisis situations; when vulnerabilities increase drastically increase, these services are not always available or even prioritized. In fact, lack of accessibility to sexual and reproductive health care leads to the cause of disease, death and disability amongst displaced women and girls within the reproductive age. The majority of countries that have high maternal mortality rates are affected by conflict for not providing reproductive health services. The womens Refugee Commission works on the innovative programming to improve the sexual and reproductive health of all people affected by crises. Their initiatives include; emergency preparedness and disaster risk reduction, community empowerment approaches and new technologies, and child marriage and emergency response. It involved identifying critical gaps in sexual and reproductive health and making recommendations on the solutions to meet the needs of the women and girls specifically. In order to ensure that lifesaving reproductive health services are provided from the very beginning of an emergency situation. The UN agencies, donors, governments and other organizations need to ensure they are implementing the Minimum Initial Service Packages (MISP) for Reproductive Health during crises situations. There should be a set of priority practices and tradition for health care professionals. When a crisis situation stabilizes, the full range of all sexual and reproductive health services should be made available for all persons. It is the difference between life and death to access quality health services. This access is limited particularly in crisis settings, increasing the risk of maternal death. The main

Defining Social Responsibility Assignment Example | Topics and Well Written Essays - 250 words

Defining Social Responsibility - Assignment Example An act of social responsibility that has influenced my life is the recycling of waste done by the waste-management department the area where I live. This not only reduces waste but also helps save money and resources. Having been raised in such an environment, this act of government has influenced me in a very positive way since I tend to produce minimal waste. The motivation behind it reflects my personal value of building a safe environment to promote better health of the society as well as other living beings. Social responsibility, as the name implies, is the responsibility of an agency, organization, individual, or entity toward the society for its prosperity, development, and well-being. An act of social responsibility that government can take is allowing religious freedom to people. â€Å"[R]eligious values are healthy for society, and that restoring them is the key to overcoming our current moral and social problems† (Wilson, 1991). Another example that supports my def inition of social responsibility is that doing something for others also enriches the life of the contributor (Loeb, 2010, p.

Activating Content through Social Media Advertising, Curation, Micro- Essay

Activating Content through Social Media Advertising, Curation, Micro- blogging, Pinning and Posting - Essay Example This paper outlines a strategy on how a real estate agent activates and promotes content through social media advertising, curation, micro-blogging, pinning, posting, and link baiting. Social media is a viable option embraced by businesses in the contemporary society. Paid advertising is achievable in sites such as Facebook and twitter. On Facebook, a real estate agent can advertise its business through promoting a page and promoting its post through the â€Å"boost post† option. Recently, Facebook restricts the accessibility of posts, and only a page that has been â€Å"promoted† is likely to receive appreciable attention. Boosting a post presents several dynamics in which one can choose their target demographics, age bracket, and duration of post (Bailey, 2010). For instance, the name of a page may be â€Å"accessible and affordable housing†. It is a suitable strategy because one can easily make a budget based on the available options. In addition, Facebook can enable an agent to target particular regions, and a strategy that is specific to their demographical region is beneficial in terms of avoiding overspending and time wastage in redunda nt areas. The market is wide and newlyweds and job transients are always sprouting up every week. Gaining access to everyone at a global stage is nearly impossible, and in consequence, it is essential to identify and retain specified clientele. For instance, gay couples may prefer to stay in certain locations, and it is necessary as an agent to ensure their requirements are met. For that reason, as a real estate agent, I will specify the target countries and direct advertising towards the identified areas. As a real estate agent, I can utilize link baiting through highlighting the advantages of competitors while also promoting its brand. After one follows the link of its competitor or any other company, the individual may be interested in the links that are in the same page. Through link

Teaching Standard English Essay Example | Topics and Well Written Essays - 1000 words

Teaching Standard English - Essay Example The essay is meant for a general audience but it brings up several issues that specifically appear to be addressed to language teachers in America. Christensen explains that the stigma experienced by children brought up in backgrounds not advocating Standard English throughout their school life and beyond negatively impacts on their self-esteem. Using the example of Fred, one of her students, she discusses the fear resulting from societal expectations and the criticisms that sometimes scare learners into not writing at all, rather than risk doing so and end up making errors. Fred has trouble learning because he is too scared to write and when he finally does; his creativity is severely hindered by his obsession with writing the â€Å"correct† English rather than expressing himself. (Christensen 36). Through this case study, the writer is successful in appealing to the audience’s sympathy by depicting Fred as a victim of the societal expectations that are beyond his cont rol. By presenting her argument alongside Fred’s case, she is likely to convince an objective audience of the error of putting too much emphasis on the structure parts of the language as opposed to the functions. Bringing about social change, as she is evidently trying to do with her essay is a complicated affair that requires that one not only creates a rapport with their audience but also convinces them to step outside their previous assumptions and bias about a subject. However by initiating and emotional presenting Fred as a victim and showing his emotional challenge in an objective manner, she forces the reader to open their mind, acknowledge and confront the reality of the underlying problem. She breaks down the whole issue and brings it to a personal level showing the audience that if it can happen to Fred it can happen to any of them or even their children etc. Christensen emphasizes the need for English teachers to be careful when it comes to correcting their student ’s mistakes since the manner in which they do it could negatively impact on their learning process. She mentions how a teacher can learn a lot about their learner’s lives by encouraging them to express themselves through writing, if teachers understood the importance of assisting the students in such expression they will be more conscious of their approaches and pursue learner centred as opposed to language centred teaching methods. For example, students who have been sexually abused could be hiding behind their problems and failing to express or report them; however, given chance to write without being judged based on grammar, teachers can learn their problem and advise them on the appropriate actions they should take. She concludes with an assertion that while it is important for students to learn standard English, they also need to understand why they are learning it, and they should not do it to avoid criticisms, but rather because they want to (Christensen 36). Te aching the rules of Standard English without imparting the need to reflect on them is only likely to force the students to comply out a need to conform rather than the intrinsic desire to learn. At the end of the day, she convinces he reader that the focus of education is in the learners personal and academic development, therefore teachers should ensure they use the educational opportunity assist

The Complete Works of Shakespeare Essay Example for Free

The Complete Works of Shakespeare Essay Helen Keller once said â€Å"The Fearful are often caught with the bold. † This was with reference to danger. She believed that those who avoided danger met danger as often as often as those who confront it. Shakespeare’s Hamlet has its share of the fearful and the bold, and both fearful and bold were met by a tragic death. There were numerous instances in the play that presented this. The whole cause of the plot of the play, the death of King Hamlet, is an example of this. He is known to have conquered lands and fought a lot of wars. He can be considered one of the bold for he faced death head on and yet the reason why he died was not through his wars but instead he got killed in his own backyard, literally. This example is a perfect specimen as to why Helen Keller made the statement. It is exactly this, wherein he was killed in his own home, that she has this belief. Death, need not be found in dangerous grounds, for it can standing right outside your door. Somehow, the proverb hints at some form of fate or destiny but in the case of Hamlet, the proverb is made true because of a miasma of actions between King Claudius and Hamlet. Due to their need to resolve the issues between them for Claudius to hide his crime and for Hamlet to avenge is father – collateral damage in the form of the lives of the people around them were affected, if not taken away. It is Claudius and Hamlet that face their destinies and yet, the ones fearful for them received the same fate. Ophelia is the most innocent character in the play. She followed her father’s advice after being told that Hamlet will just break her heart. For fear of it being true, she obeyed her father, but this didn’t save her from the sorrow that she will experience later. In the process of helping Hamlet, Polonius dies by his hand and this drives Ophelia insane due to the extreme sorrow that she felt. She couldn’t protect herself from emotional pain that she tried to avoid. Queen Gertrude, who just wanted her son and her new husband to get along, ended up being poisoned. She, too, wanted to help her son and protect him from whatever malady it was that he was experiencing. She was afraid for Hamlet’s health and life. In the end, she was poisoned by a drink that was meant for Hamlet. Rosencrantz and Guildenstern are the dynamic duo that tried to help their friend. The reason why they went to Denmark was to try and console Hamlet for the death of his father and try to unite him with his stepfather and uncle. Unknowingly, they were bringing Hamlet to his death. In their minds, all they were doing was bringing Hamlet to England to allow him time to recuperate. Rosencrantz and Guildenstern were killed instead. In the case of Hamlet, the proverb â€Å"The fearful are caught as often as the bold† applied to the people that surrounded Hamlet. This is what usually is called collateral damage, the damage that is inflicted on those beside the actual target. Also, these people who surround Hamlet are not at all mindful of their own danger. As a matter of fact, it never occurred to them that they will encounter death. However, they were afraid for Hamlet. Due to their affection for Hamlet, these characters tried to make him happy, protect him from himself, and protect him from others. In the end, all these people, afraid him, died tragically, even before Hamlet himself died. Therefore, those who were fearful for Hamlet were caught as much as the bold Hamlet in the tragedy of his vengeance. Reference: Shakespeare, William. â€Å"Hamlet†. The Complete Works of Shakespeare Ed. George Lyman Kittredge. Boston: Grolier Incorporated,1936: p. 1147

A study of the new century financial corporation

A study of the new century financial corporation New Century Financial Corporation was originally founded in 1995. It was a Maryland corporation based in Irvine, California in business to originate, purchase, sell and service home mortgage loans. Court documents reported the company experienced phenomenal growth during its 10 year history, originating $350 million in mortgage loans in 1996 to $50 billion in 2005 with earnings per share increasing $.013 to $7.17. New Century was an aggressive subprime lender catering to customers who could not qualify for conventional mortgage loans. New Century would then pool these loans and sell them in the mortgage secondary market at a profit. These loan sales came with warranties and representations which if breached could require New Century to repurchase the loans at a substantial loss. These repurchases began increasing in 2004 and were soon taking a toll on the companys liquidity. Still, as late as the latter part of 2006, the company was able to raise $142.5 million from a new stock issue. It all came tumbling down February 7th, 2007 when New Century admitted it was restating the companys financial results for the first three quarters of 2006. The market reaction was a drop of 40% in the stock price from $30.16 to $19.24 according to court documents. By March 13th the stock price had declined all the way down to $.84 after a March 1st announcement informing the public that its 2006 10-K filing would be late along with a March 12th announcement disclosing a discontinuance of financing by some lenders. This crippled the companys ability to honor loan repurchase demands. New Century Financial filed for bankruptcy protection on April 2nd 2007. KPMG LLP and KPMG International KPMG LLP was New Centurys independent auditor from 1995 thru 2006. KPMG is a Delaware limited liability partnership and the U.S. member firm of the KPMG network of independent member firms affiliated with KPMG International Cooperative, a Swiss entity with over 137,000 employees operating in 144 countries according to their website. New Century Financial What Fraud Happened? The executives at New Century Financial violated many accounting rules and U.S. laws. The three perpetrators in this case are the former CEO Brad Morrice, former CFO Patti Dodge, and former Controller David N. Kenneally. The offenses are related to New Centurys disclosure fraud, violations of the Sarbanes- Oxley Act, violations of generally accepted accounting principles, and violations of the Securities Act. DISCLOSURE FRAUD New Century Financial failed to make adequate disclosures regarding its loan production (the nature and risk of its products), its loan repurchase obligations, and its backlog of repurchase requests. In the 2006 Forms 10-Q, both Morrice and Dodge, failed to disclose that a substantial portion of it new loans were derived from what are termed 80/20 loans, where New Century would underwrite 80% of the first loan on the property, and underwrite a second loan for the additional 20%, actually creating a 100% loan to value ratio. These loans were risky, because the buyer of the property was able to make the purchase without risking any money of their own. In 2006 33.47% of New Century Financials loans were of this type, up from 23% in 2004 and 9% in 2003. Additionally, New Century disclosed materially misleading loan to value (LTV) information on its loans. To the public, New Century disclosed a weighted average LTV, which in 2006, was between 80.9% and 81.4%, of total loans made, but in company internal reports the actual numbers were between 86.6% and 87.6%. Also in the 2006 Forms 10-Q, New Century made disclosures that downplayed the risks of its interest only and stated income loans, (loans in which ones income is not verified). New Century failed to disclose that through the second quarter of 2006 that it was actually experiencing greater defaults on its 80/20, stated income and layered risk loans. Regarding New Centurys loan repurchase obligations, adequate disclosure was not given to investors. Under the contract for the loans, New Century could be required to repurchase loans sold pursuant to repurchase agreements in two situations: (1) the representations and warranties about the loan were untrue; or (2) the borrower defaulted on the loan by failing to make the first payment due after the loan was sold. These loan repurchase obligations would have negatively affected investor and lender expectations of New Centurys earnings potential had they been disclosed. In 2006 New Century experienced an increasing rate of Early Payment Defaults and First Payment Defaults, which could trigger the loan repurchase obligation. In 2006 New Century had to repurchase $784.3 million dollars on loans, and was left with loans with a value of 80% of the repurchase price. In addition to its actual repurchases, New Century had a backlog of repurchase requests that it did not disclose in 2006. From 2005 to 2006 the backlog grew from $143 million to $400 million. Failure to disclose these significant facts greatly altered the information available to investors regarding the Company and would have had an unfavorable impact on net revenues and income from continuing operations. SARBANES-OXLEY VIOLATIONS In violation of the Sarbanes-Oxley Act, the CEO, CFO, and company Controller personally signed New Centurys disclosures, first and third quarter 10-Q forms, and the Sarbanes-Oxley certifications associated with those filings knowing that the financial statements were materially misstated. Furthermore, each of the company officers benefited from the financial misstatements in terms of pay, and bonuses, none of which was returned to shareholders. During the year 2006 the CEO and CFO made misleading statements in press releases and earnings calls regarding the financial position of the company. ACCOUNTING FRAUD In line with generally accepted accounting principles, New Century Financial was required to estimate the fair value of its repurchase obligation and to reduce the gain it reported on the sale of that amount. In deriving an estimate of this obligation New Century was required to estimate, (1) the amount of loans that it would have to repurchase, i.e., the repurchase rate: and (2) the costs that it would incur in repurchasing loans. When New Century repurchased a loan it was recorded at the loans unpaid balance and not at the fair value as required under SFAS 140. However, prior to the second quarter of 2006, the repurchase reserves recorded by New Century Financial were sufficient to state the net value of the assets in amounts materially in compliance with SFAS 140. In the second quarter of 2006, however, the reserve calculation methodology was changed resulting in much lower reserves. As a result of these changes, the net assets were no longer stated at fair value, a violation of S FAS 140. This reduced its repurchase expense and overstated revenues. Also under GAAP, New Century was required to estimate contingent liabilities, in line with SFAS 5. SFAS 5 requires accrual of loss contingency if information indicates that it is probable that the liability has been incurred and the amount can be reasonably estimated. The liability related to the substantial backlog of unprocessed repurchase claims was not properly accrued, a violation of SFAS 5. This allowed New Century to overstate its financial performance. New Century also failed to implement internal controls over financial reporting to appropriately track repurchase requests from investors to buy back their loans, further reducing the firms loss contingency. As a result of improperly accounting for loan repurchase obligations, which reduced the reserve expense needed to repurchase those loans; New Century overstated its financial results, with reported pre-tax earnings 165% higher than the corrected amount (a total overstatement of approximately $84 million). In the third quarter of 2006, earnings were overstated approximately $108 million. VIOLATIONS OF THE SECURITY ACT In connection with the November 16, 2006 securities offering both Morrice and Dodge filed with the Securities and Exchange Commission, they reported that New Centurys financial statements presented fairly in all material respects the financial condition of the company. Furthermore, it was stated that New Century Financial had no undisclosed material liabilities, and that the financial statements complied with the requirements of the Exchange Act. The reality was that, New Century had a substantial backlog of pending repurchase claims, which were not reflected as liabilities in New Centurys financial statements. With all of these defalcations combined the executives at New Century Financial violated the following laws: Fraud in the Offer or Sale of Securities, Section 17(a) of the Securities Act Fraud in Connections with the Purchase or Sale of Securities, Section 10(b) of the Exchange Act and Rule 10b-5 Violations of Commission Periodic Reporting Requirements, Aiding and Abetting Section 13(a) of the Exchange Act and Rules 12b-20, 13a-11, and 13a-13 Circumvention of Internal Controls, Section 13(b)(5) of the Exchange Act False Statement to Accountants, Rule 13b2-2 Certification Violations, Rule 13a-17 of the Exchange Act Failure to Reimburse, Section 304 of the Sarbanes-Oxley Act KPMGs Role in the Fraud KPMG LLP (KPMG) was the external auditor for New Century Financial from inception (1995) to 2006. They resigned in April 2007, a few months after New Century filed for bankruptcy. Although they had completed a significant portion of the field work for the 2006 audit prior to their resignation, they did not issue an opinion on the 2006 financial statements. They issued unqualified opinions in all prior years audited by them. They also performed reviews of the quarterly financial statements through 2006 and performed audits of the effectiveness of internal controls at New Century (SOX 404 audits) for 2004 and 2005. The SOX 404 audit for 2006 was substantially completed but the opinion was not issued as of KPMGs resignation. Although financial statements are the responsibility of management, an independent auditors opinion that the statements present fairly, in all material respects, the financial condition of the Company in accordance with generally accepted accounting principles does provide investors and creditors a certain level of assurance that managements statements are reliable. The opinion is not a guarantee of the accuracy of the financials but the public should be able to trust that, at a minimum, the auditor followed professional standards in the audit process. An auditors role in the issuance of fraudulent financial statements, then, could come from either a) their failure to exercise due care in the audit process which resulted in their failure to discover and communicate material misstatements or b) their complicity in the fraudulent misstatements. Most of what we know about KPMGs relationship with New Century and their work as New Centurys auditors comes from a report by Michael Missal, the bankruptcy examiner in the New Century case, to the United States Bankruptcy Court. Mr. Missal was charged with identifying any potential causes of action that might arise from the New Century bankruptcy. He reviewed KPMGs audit workpapers and New Centurys accounting records and interviewed KPMG and New Century employees as part of his research. Missals report focuses primarily on KPMGs work during 2005 and 2006. He suggests that, during those years, KPMG failed to follow professional audit standards and that certain members of the audit team were complicit in the fraud by giving advice to New Century, which was followed by them, that was inconsistent with generally accepted accounting principles and that resulted in material misstatements. The evidence presented to support the contention that KPMG failed to act in accordance with accepted auditing standards (GAAS)) was substantial. The three general auditing standards require that 1) the auditor must be technically competent, 2) the auditor must be independent and 3) the auditor must exercise due professional care. Mr.. Missal provided evidence that KPMG failed to meet any of those standards. Mr. Missal reviewed the New Century engagement staffing during 2005 and 2006. During the first quarter review in 2005, the entire audit team was new to the engagement (other than two junior auditors). The engagement partner was new to KPMG and had very limited experience in the mortgage banking industry. The senior manager was a recent rehire of KPMG and his only industry experience was a three year stint as an assistant controller at a small mortgage lending company. The senior manager on the 2005 SOX 404 audit had no prior SOX 404 audit experience. The concurring partner had worked primarily with financial institutions and leasing companies. Field work on two of the most sensitive areas (testing of the repurchase reserve and residual interest valuation) was done by first year auditors. Given the complexity of the mortgage banking industry, Mr. Missal argued that the team did not have the technical skill required to audit New Century. Mr. Missal reviewed internal communications between KPMG staff and external communications between KPMG and New Century management and board members. The senior members of the audit team ignored or dismissed concerns raised by KPMG specialists about the appropriateness of certain accounting methods used by New Century. They also dismissed concerns raised by junior auditors and by members of New Centurys Audit Committee as unfounded. Mr. Missal concludes that the senior audit members were more concerned about retaining the client than they were about the quality of the audit work and therefore lacked independence. There were numerous examples given by Mr. Missal to demonstrate KPMGs lack of due professional care including their failure to follow the second and third field work standards (the auditor must design tests to adequately respond to their understanding of the entitys internal controls (or the lack of internal controls) and is required to obtain sufficient evidential matter to support their opinion). The examples given included KPMGs failure to expand testing based on deficiencies noted in their review of New Centurys controls as part of the audit planning process, failure to properly test the repurchase log, failure to properly test the models developed by New Century accounting personnel to determine the reserve requirements, failure to expand testing given significant changes noted in the number of loans repurchased and failure to expand planned testing when the risk assessment related to residual interests was changed to high (as part of the SOX 404 audit work in 2006). Mr. Missal also noted that certain significant control deficiencies noted as part of the 2004 SOX 404 audit were not communicated, as required, to the Board of Directors and that the 2005 SOX 404 audit did not consider, as required, the failure of New Century to resolve control deficiencies noted as part of the prior year SOX 404 audit. Mr. Missal also provided evidence KPMG was complicit in the fraud. According to interviews of KPMG and New Century staff, the Senior Audit Manager on the engagement team suggested two changes to the calculation of the repurchase reserve which were adopted by New Century during 2006. Both changes resulted in significant reductions of the amount of the reserve recorded in the financials and both changes were contrary to GAAP. Mr. Missal does not suggest that the actions were criminal. The inference is more that the suggestions were made based on a lack of understanding of the applicable GAAP as it applied to the mortgage industry. To date, KPMG has not responded to specific issues raised in Mr. Missals report. They have, however, issued a general statement that they believe the firm complied with all professional standards. It should also be noted that the SEC, in their action against New Century, included a claim that New Century had lied to their auditors. Mr. Missal does conclude that although he believes that the trustees for New Century could have a reasonable basis for suing KPMG for professional negligence, he also cites a number of possible defenses that could be raised by KPMG. All of the defenses speak directly, or indirectly, to New Centurys contributory negligence. The Affect of the Fraud on KPMG No charges have been brought against KPMG by the SEC. However, both KPMG and their parent firm, KPMG International (KPMGI) were sued in April of 2009 by The New Century Liquidating Trust and Reorganized New Century Warehouse Corporation (the trustee overseeing the bankruptcy). The suit against KPMGI has two causes of action. The first cause of action states that KPMG is an agent of KPMGI and therefore KPMGI is liable for the actions of KPMG (vicarious liability). The second cause of action claims deceptive and unfair business practices by KPMGI. KPMGI advertised that its member firms performed quality work but did not properly oversee or control that quality. The suit seeks, in part, actual compensatory and consequential damages and punitive damages plus costs. The suit against KPMG has three causes of action. In the first cause, the plaintiff requests that the agreement signed by KPMG and New Century prohibiting New Century from seeking punitive damages be set aside as illegal under California law. In the second cause of action, the suit claims that KPMG was negligent in their performance as New Centurys auditors. The lawsuit includes the claims reported in Mr. Missals report as described in the section KPMGs Role in the Fraud above. In the third cause of action, the suit claims that KPMG aided and abetted the breach of fiduciary duties by New Centurys directors and officers. The suit claims that KPMG was aware of the breaches of duty and that the engagement team provided assistance and encouragement in those breaches. The suit seeks, in part, actual compensatory and consequential damages (in an amount not less than $1 billion) and punitive damages plus costs. Since the suits have not been settled, there is no way to know or estimate the f inancial impact on KPMG. KPMG has undoubtedly been affected in unpublicized ways. Mr. Missal notes several of the engagement team members left KPMG or were transferred out of the local office during 2007. There have probably been changes in internal processes related to engagement management and technical review. It is possible KPMG has lost clients as a result of the publicity surrounding the case. Since the final outcome of these cases is still unknown, its impossible to evaluate the complete effect upon KPMG LP and KPMGI. KPMGs Violations of Legal and Ethical Standards New Centurys auditor, KPMG LLP (and its parent company KPMGI) is a large multinational auditor which employees over 135,000 people in over 140 countries. The breadth of accounting law and ethical standards it may be bound to is diverse and multilayered, including regional, state, national, and international provisions. To illustrate this fact both New Century and the US arm of KPMG were incorporated in Delaware, while headquartered in Irvine, California and New York City respectively, and may be subject to legal precedent in potentially any state in which material business is conducted. United States accounting standards (GAAP) are primarily set by the Financial Accounting Standards Board. Compliance with GAAP is often required by regulatory agencies such as the SEC and by statutory law both at the state and federal level. Additionally there are an extensive number of statutory requirements which bind both public auditors like KPMG and publically traded entities like New Century on a federal level including SEC provisions and rulings of the Public Company Accounting Oversight Board (PCAOB). Some examples of potentially breached laws and ethical standards include Article 9, Section 58 of the California Board of Accountancy Regulations which requires CPAs to comply with GAAP and GAAS (Generally Accepted Auditing Standards) since KPMGs treatment of the reserve requirement was inconsistent under FAS 140 and FAS 5. It is also possible that Section 65 was breached since there were allegations that KPMG sought to maintain New Century as a profitable client over accurate financial reporting thus compromising independence. At the national level, several AICPA principles and rules may have been compromised. Principles allegedly breached include the principle of objectivity and independence based on the aforementioned profitability rationale, and the principle of due care based on the inconsistent application of GAAP (and alleged technical/professional insufficiency of the audit team). Since the AICPA rules are a codification of the principles, several rules by nature would have been violated including the following, rules 101, and 102, plus rules 201 through 203. Rules 101 and 102 which govern independence and integrity/objectivity respectively were potentially breached by the conflict of interest associated with retaining profitability clients which would have affected both independence and objectivity. Rule 201, the General Standards is broken down into 4 parts each of which may have been broken during the anomalous treatment of the reserve requirement among other accounting guidance provided by KPMG. Rule 201 A which dictates professional competence and rule 201 C which dictates appropriate levels of planning and supervision may have been violated if the audit team was insufficient in technical skill and frequently unsupervised as alleged. Rule 201 B which prescribes due care again may have been breached by inconsistency in the application of GAAP. Lastly there is evidence that the last and final provision of rule 201 was breached, section D discusses the acquisition of sufficient supportive evidence of audit opinions and there is evidence that the audit team may have cut the engagement short on account of time and profitability pressures. What could have been done to prevent the fraud? Severing the financial incentive between client and auditor by mandating that auditing fees be paid via a trustee or other third party irrespective of audit findings could significantly reduce the pressure to deviate from GAAP and decrease conflicts of interest. Perhaps a pooled system like insurance could be created where publicly traded firms, those regulated by the SEC and the PCAOB, would pay into a pool of funds from which fair compensation can be disbursed, reducing profit based incentives from altering the quality of audit findings. Rotating audit firms by lottery or by imposing some form of term limits may prevent the collusion often formed by longstanding relationships. The creation of an anonymous complaint system by regulatory authorities could provide an outlet for junior members in auditing firms to report major violations of standards by higher levels of management in both the company being audited and the accounting firm itself. Additional individual penalties for failure to exercise due care, especially for senior members, may insure work is not rushed or delegated improperly while preserving the limited amount of competition remaining in the public auditing industry. But at the end of the day it is always about the basics. A framework is in place to prevent financial fraud by companies. The framework is: Generally Accepted Accounting Principles Generally Accepted Auditing Standards Corporate governance exercised by the Board of Directors The failure of New Century Financial was not so much a regulation failure but a human failure. But this is why we have regulations-to reduce the temptations of humans. Strict adherence by KPMG to the generally accepted auditing standards would not have prevented the failure of New Century, it probably would have speeded-up its demise. But it would have given New Centurys investors, creditors, and board the critical information needed to make sound decisions. The potential for human failure in both New Century and KPMG could have been reduced by what is now termed the tone at the top. New Centurys board, especially the audit committee and the upper management of KPMG did not provide the environment for the violations to come to their attention. KPMGs ignoring of the warnings of junior staff and specialists of problems is inexcusable. How did the New Century failure affect our groups views and opinions? A former auditor in our group understood the tension between the auditors duty to follow professional standards and their desire to retain clients. Comparable tensions exist for accountants in private industry. I also know that hindsight is 20/20 and without hearing the defendants side of the story, its difficult to fairly evaluate their work or their ethics. Its difficult to read about the economic and personal impact that these large corporate failures have on the various stakeholders the employees, the investors, the creditors, and the public without wanting to see changes that will at least reduce the risks we all face. Maybe its time to make the auditors more independent which might mean that auditors should be paid by someone other than the audit client and that audit firms serving public companies need to be rotated on a regular basis. A CPA candidate in our group felt reminded of the constant conflict between quality and quantity; profitability and sustainability. The pressures placed on auditing firms by virtue of the free market often creates particularly troublesome adverse incentives which I may be subject to one day, this is unfortunate. These same pressures are the reasons why public accounting is needed in the first place, typified by New Centurys unsustainable financial position over time, and reminded me of just how important it is to maintain trust and faith in the public accounting industry. Another CPA candidate felt disillusioned of the culture of the Big Four accounting firms. Noting the firms are quick to lecture others about tone at the top but are they looking at the tone at the top in their own organizations? He added do I want to work at a place where the input of juniors is routinely dismissed? Where was the quality control mechanism at KPMG? Finally, one of us believed this case only confirmed my views about the people involved in the Real Estate/Mortgage market, most of them were in the market to make a quick buck, 99% of the people in this industry had no understanding of the real estate market or did not care, and the market was doomed to collapse due to weak lending practices.

Can Students Study Better Using A Tablet?

Can Students Study Better Using A Tablet? Can Students Study Better Using Digital Textbooks on a Tablet Than They Can By Using Books, Pens and Paper Nowadays young starts were easily adopting to the new technologies and implementing them in education, similarly do the students can studying better using digital textbooks on a tablets rather than using traditional method of reading textbooks, well in my opinion students has to adopt to the digital textbooks because it is very flexible and has many advantages like compact, take very less place to store and no wear and tears and so on where this all helps the students to be smart in the real world. Many people says that many of students were very much comfortable with the hard copies in my sense this is because eBooks may not be accessible in their places. There is absolutely no doubt the digital textbooks are cheaper. Students at the Stepinac college paid $700 for textbooks previously which year only $150 for having access to the digital library (by Theresa Walsh Giarrusso september 2013). Even Students are very attached to their mobile phones and tablets but they have not been enamoured to digital books even though the cost is low, since they are very much habituated to hard copies of text books. This method indirectly effects the environment. This results in deforestation and pollution. Although students in college today are very attached to their cellular devices, they have not really been enamoured associated with e-books. In 2010, digital books accounted for 3 percent associated with textbooks sales using the National Association associated with College Stores (By Bertha Coombs, CNBC.com-published on June 2011). Analysts say its because until now e-textbooks happen to be little more bit more than PDF replicates of physical textbooks, impractical for students whore accustomed to mentioning their paper copies since they study. Researchers at on the web education firm Xplana state the shift toward tablets in the year ahead wills certainly jumpstart demand for e-texbooks in the $8 billion Oughout. S. education publication market. iPads and other tablets will probably be in the possession around 20 percent of scholars by the fall of 2012, states that Xplana director associated with research Rob Reynolds. Thats an enormous impact. Its fastest developing technology tha t weve welcomed in education. Reynolds predicts electronic digital book sale growth in the higher education market will double over the next four many years to $1. 5 billion by 2015, and be the cause of 25 percent market share. A big jump in the amount of interactive texts available for the new supplement platforms next fall could also spur greater requirement. Text books are heavy and no longer necessary when the information can be downloaded. In classrooms in my area, iPads have been very successful. iPads are a recent some-what inexpensive tablet computer that became available in 2010. Apple company offers good education programs for universities. The weight with the textbooks in his or her backpacks would injure their backs overtime. Whereas an iPad is merely 1. 44 fat. The iPad can also have educational video games for the students to find out and entertain independently (article took in http://www.debate.org/opinions/should-kids-use-ipads-for-textbooks-in-school). While in many countries people still go with traditional method using the hard copies because the people were not well fascinated to technology. Due to this the children in some developing countries like India were facing the problem while carrying text books to the schools that their back bone were getting bent due to the over load of caring more books. Perhaps using the di gital books really gives a lot of advantages to the students like it occupies only small place to save thousands of text books and it is very easy to carry from one place to another. Using an ipad could help children look into the console and make children compose more. Scholars might not need to keep getting up to hone their pencils which diverts the educator and learners. The point when individuals have untidy penmanship, their work looks flawless and is not difficult to peruse on the ipad. When young children make use of iPads as well as notebooks theyre going to learn to make better do the job and stay cleverer. Many people argue that as compared with traditional method of reading, seating in front of tablets and ipads will create some health problem like eye strain and health hazard, and also it seems to be less concentrated while studying, but in my opinion digital books will make our work quick and easy I am sure that one can find a article in eBook quickly rather than using a textbook. Finally i would like to conclude that people has to update their habits as the technology changes this helps the students to be smart in the real world, thereby using ipads, tablets, and smartphones helps students to learn more faster within a less time and also they were eco friendly to environment. References : Bertha Coombs, CNBC.com-published on June 2011 http://usatoday30.usatoday.com/tech/news/2011-06-17-digital-textbooks_n.htm Theresa Walsh Giarrusso september 2013 http://blogs.ajc.com/momania/2013/09/18/paper-vs-digital-are-there-benefits-to-paper-textbooks-that-schools-are-missing/ http://www.debate.org/opinions/should-kids-use-ipads-for-textbooks-in-school NAME: ARGUMENTATIVE ESSAY PREWRITING ARGUMENT QUESTION: 1

Management Information Systems :: Technology, Internet Banking, PDAs

MANAGEMENT INFORMATION SYSTEMS (MIS) The most common technology applied by MFIs is the management information system known as MIS. MIS is an integrated computer-based application used to access useful, timely and accurate information to allow the user to make appropriate decisions, and to manage information effectively and efficiently. MIS includes modules such as loans portfolio tracking, human resources, internal control, accounting, and financial analysis (CGAP, 2010). MIS is often one of the major factors that enable MFIs to achieve significant growth. Kashyap (2009) stressed that â€Å"It is difficult for an MFI to upscale significantly and maintain the accuracy and transparency of its loan portfolio without an MIS†.(PAGE?) PERSONAL DIGITAL ASSISTANTS (PDA) A personal digital assistant (PDA), also known as a palmtop computer, is a mobile device that functions as a personal information manager. MFIs employ PDAs to ease loan processing, improve loan officer efficiency, and increase data accuracy and access in the field. To get the maximum benefits from PDAs, MFIs should have a stable MIS, and high speed access to data from their branches (Waterfield, 2004). SMART CARDS Smart Cards are wallet-sized plastic cards have an embedded microchip that allows data storage, and works like an electronic passbook that allows MFI clients to carry all their related information on this microchip. Smart cards are used to manage savings accounts, disburse loans or make transfers (Whelan, 2004). Reliable electrical power for card readers, software integration between card readers and the central management information system, together with processes, policies, and staff resources for handling lost, stolen or damaged cards are required prior to the introduction of smart cards (Whelan, 2004). POINT OF SALE (POS) Point of sale (POS) is a device or system often linked to computers, bank card readers, or even mobile telephones, that is located at a physical location such as a retail outlet, in order to perform an electronic transfer from one account to another or from a customer to a retailer. Some MFIs have implemented this technology in order to increase the security of financial transactions, reduce transaction cost in order to serve clients, and to reach new areas without branch infrastructure (Owens, 2009) MOBILE PHONES Mobile banking is a way for clients to perform balance checks, account transactions, payments, etc. using a mobile phone. Mobile phones provide a new and rapidly developing technological alternative delivery channels to extend financial services to those excluded from formal financial systems. Mobile phones allow clients to call into an automated system to conduct business transactions, and to access and request information. Management Information Systems :: Technology, Internet Banking, PDAs MANAGEMENT INFORMATION SYSTEMS (MIS) The most common technology applied by MFIs is the management information system known as MIS. MIS is an integrated computer-based application used to access useful, timely and accurate information to allow the user to make appropriate decisions, and to manage information effectively and efficiently. MIS includes modules such as loans portfolio tracking, human resources, internal control, accounting, and financial analysis (CGAP, 2010). MIS is often one of the major factors that enable MFIs to achieve significant growth. Kashyap (2009) stressed that â€Å"It is difficult for an MFI to upscale significantly and maintain the accuracy and transparency of its loan portfolio without an MIS†.(PAGE?) PERSONAL DIGITAL ASSISTANTS (PDA) A personal digital assistant (PDA), also known as a palmtop computer, is a mobile device that functions as a personal information manager. MFIs employ PDAs to ease loan processing, improve loan officer efficiency, and increase data accuracy and access in the field. To get the maximum benefits from PDAs, MFIs should have a stable MIS, and high speed access to data from their branches (Waterfield, 2004). SMART CARDS Smart Cards are wallet-sized plastic cards have an embedded microchip that allows data storage, and works like an electronic passbook that allows MFI clients to carry all their related information on this microchip. Smart cards are used to manage savings accounts, disburse loans or make transfers (Whelan, 2004). Reliable electrical power for card readers, software integration between card readers and the central management information system, together with processes, policies, and staff resources for handling lost, stolen or damaged cards are required prior to the introduction of smart cards (Whelan, 2004). POINT OF SALE (POS) Point of sale (POS) is a device or system often linked to computers, bank card readers, or even mobile telephones, that is located at a physical location such as a retail outlet, in order to perform an electronic transfer from one account to another or from a customer to a retailer. Some MFIs have implemented this technology in order to increase the security of financial transactions, reduce transaction cost in order to serve clients, and to reach new areas without branch infrastructure (Owens, 2009) MOBILE PHONES Mobile banking is a way for clients to perform balance checks, account transactions, payments, etc. using a mobile phone. Mobile phones provide a new and rapidly developing technological alternative delivery channels to extend financial services to those excluded from formal financial systems. Mobile phones allow clients to call into an automated system to conduct business transactions, and to access and request information.

Majority vs Minorities :: essays research papers

Majority vs Minorities The majority and the minority bring forth change in policy in a democratic society. Majority rule means that, if there were an over whelming amount of support on a issue their voices would be heard by the government. Our government is run on a majority rule. People in our society elect officials and put their faiths in them to make their choices. In a majority rule the basic concept of democracy is that the people ultimately rule. The Government passes laws that appear to be the â€Å"deliberative will† of the people. However, Government doesn’t do everything the people wants. It takes in information absorbs it and comes with a solution for the majority. In order for the people to be heard they have to get out and participate in the political process. It is our constitutional right to vote, speak and contribute in the selection of our representative in a majority. The minority rights in a democratic society appear to even out with the majority rule in an unusual way. There are some incidents where the minority may have loss, but on the other hand won. For example, when Rosa Parks didn’t give up her seat on that hot Alabama day, she stood up to the majority tyranny. The majority won by putting her in jail, however; the minority prevailed by establishing the civil rights movements. There are many differences between majority rule and minority rights. One of the big differences between the two is majority tyranny. This is when the majority violates the rights of minority’s. When the majority thinks they are in the right they may happen to pass judgment or abuse the minorities who opposes them. Majorities for a long time believed that political equality and political liberty doesn’t belong to the minorities. Minorities believed they have the right to speak or participant in whatever function they believed in.

Heart of Dracula Essay -- Character Analysis, Dracula, Hearth of Darkn

Within Bram Stoker’s Dracula and Joseph Conrad’s Heart of Darkness, the reader is introduced to two â€Å"men†, a term that is applied loosely, whom come to represent the realization of the dying days of the Victorian Era. Heart of Darkness’ Kurtz comes to be the representation of the realization in that he sees what is required from him, as well as the rest of humanity, in order for them to survive. Dracula, in contrast, is the idealization of what has to be done in order to survive. Furthermore, Dracula comes to represent the next step, in almost evolutionary terms, in that he starts to attack England on its home soil, going to so far as to transplant his own soil onto England. This reverse colonization by Dracula is the resultant action he takes based on the fact that he was able to do that which Kurtz is seemingly unable to do, sacrifice the last of his humanity to become a monster. By examining the character of Kurtz, we see that he comes to represent the degenerating institution of colonialism. Jonathan Dollimore remarks that Kurtz â€Å"embodies the paradox which degeneration theory tries to explain but only exacerbates, namely that civilization and progress seem to engender their own regression and ruin† (45). We can see this through the fact that Kurtz goes into the Belgian Congo in order to strengthen the European world, yet is ultimately unable to do so as he comes face to face with the realization of what he must do in order to succeed and survive the degeneration of the world he has known. To do this, Kurtz’s monstrosity, or as close as he comes to monstrosity, stems from the fact that the society which he is a part of and represents is dying a slow death. Therefore, his final words of â€Å"The horror! The horror!† can be interpr... ...gue of Vampirism. Stoker plays upon the irony of England, at this time one of, if not the largest, colonizing countries, being colonized, not by another country but by an intangible immigrant. Dracula’s intent is not of material wealth or power, but of controlling the people and using them as livestock. We can see this when Dracula tells Jonathan Harker that he â€Å"[has] come to know your great England, and to know her is to love her. I long to go through the crowded streets of your mighty London, to be in the midst of the whirl and rush of humanity, to share its life, its change, its death, and all that makes it what it is† (Stoker 19). Kane reaffirms this by contending that Dracula is an example of â€Å"invasion literature† acting upon the readers on England by playing with â€Å"a considerable variety of fears regarding the state of England and the English themselves† (9).

Feminism of Poverty Essay

The feminism of poverty can be described as a movement in political, economic and social equality for women, and is closely related to Liberalism. Feminism sees discrimination as a distinction of unequal treatment from all social, political and economic access for women. Feminism of poverty reaches all women, Black, White, Asian or English. It has been around since the beginning of time. Women have taken the role of mother, maid, cook and lover. They did not have the right to vote, own property nor work. It was not until 1848, when women demanded the enfranchisement for the ballot (vote), became vociferous. In 1869 2when Black men were given the vote in the 15th Amendment, Susan B. Anthony and Elizabeth Cady Stanton refused to endorse the amendment, because it did not give women the vote and to become equal to their counter parts. http://teacher.scholastic.com/activities/suffrage/history.htm Even back then women were reduced to mere servants and those that did not have a family or husband lived in poverty both black and white. Women suffrage and poverty did not only exist here in the United States, these social political and economic inequalities were felt around the world; Such as in Great Britain, Europe, Finland and Africa, other third world countries also had social issues pertaining to poverty. Those most likely to live in poverty in the U.S. are women and children. This is referred to as the feminization of poverty; increasingly the poor included unwed mothers, separated and divorced mothers, serving as the head of households (Basirico, et al, 2010). It is Known that women are much more likely to be poor than men, and that the impact of fiscal policy on the distribution of income is the main reason that women in the U.S. are more likely to be poor than women in other countries www.questia.com/search/feminization-poverty In the United States, in many communities there are individuals who live in poverty and cannot take care of themselves and their children especially women. So they become homeless living in shelters, cars, cardboard boxes, live on the streets, sleep on park benches, doorways or in major cities they may sleep in subways, because they have no income to support themselves. For example women have become prostitutes and shoplifters in order to feed themselves and their family/families. Of the adult poor who do not, about forty percent work at jobs that pay so little that they fall below the poverty line and one-third of their children are poor also. Because they do not have viable jobs they cannot support their children or themselves, so they are still under the umbrella of the feminism of poverty. From 1951-2008 of the women who worked in the U.S. their pay gap was 64-71 cents for every dollar earned by men http://www.infoplease.com Women have fought for equal pay & rights since 1848, and as of 2009, 30 percent of women who are heads of families with no husband present have income below the poverty line. Demographics have shown that these individuals are the most likely group to be chronically poor. The U.S. Census, Labor and the Economics Statistics of the Department of commerce shows in a study that the trends and conditions of women( two to three tim es)are still lower than men and the feminism of poverty is still a growing concern today as of March 2011 (Basirico, et al, 2010). With these continued disparities we will continue to be faced with the Feminism of poverty, because society has turned a deaf ear on the issues of women and children, they look the other way when it comes to providing for those within their own country, but they are quick to jump on the band wagon in the plight for other countries. We as a society have our priorities mixed up; if we are rich the attitude is according to Newt Gingrich â€Å"I don’t care about the poor†. If we are middle class we have the mentality that I’m just surviving myself. And if we are already poor we have the tendency to share. The same can be said about the church every Sunday we go to church and take up a benevolence offering to help the poor and when they need help in most cases they are turned away. The church is supposed to help those in need through the giving of food, shelter, clothes and money. But we have become so modernized and have forgotten to obey God’s laws that we ha ve lost sight of the word give. From the many issues that involve the feminism of poverty the best theory that applies to this particular issue is the conflict theory a social theory that views conflict as inevitable and natural and as a significant cause of social change (Basirico, et al, 2012). The feminism of poverty relates to the two classes that Marx saw those who own the means of product (rich) and those who provide the labor (poor), in an economic system that supports inequality, the exploited eventually revolt. Women were submissive for so long that they began to demand equal rights just as their counter part and black’s had. They had a need to become their own person, but throughout history even though they made progress they still were under played, poor and were listed as most likely to remain that way as they are today. In the scope of feminism of poverty it can be said that society is ion a state of constant change. Male against female and workers against employer, those that have power, wealth and prestige will always be in conflict with others (poor) that do not. Because there are limited commodities and demand exceeds the supply, those that are in control of those desirable goods, services and resources will defend and protect their interest. Those who are poor and living in poverty especially (women & children) are a threat to the rich and middle class. So they are suppressed through the lack of jobs, education, money, welfare and healthcare. Women social status of wages disparities, ownership (men) and motherhood result from degradation and exploitation by men and eventually is/was a cause of the feminism of poverty. If our society (government) do not put in place laws that will protect, serve and help our women and children who live in poverty. Though more workforce programs, jobs, healthcare and education we will eventually become as other third world countries. If Canada can do this why can’t we the riches country in the world do so? Reference Basirico, L.A., Cashion, B.J. & Eshleman, J.R. (2012). Introduction to Sociology. (5th ed). Redding, CA http://www.infoplease.com/html http://teacher.scholastic.com/activities/suffarge/history.htm www.questia.com/search/feminization-poverty

Of Mice and Men Dreams Essay

Good brainstorming attempt. You have written more than most at your age. Let’s try and clarify the ideas. QUESTION -Many of the characters’ ambitions in ‘Of Mice and Men’ are focused on dreams for a better life analyse the presentation of two of these dreams within the novel. How to Write an Essay 1. Don’t panic 2. Try to follow each of the characters. What would it really be like to be them? 3. Try to develop a short thesis statement. 4. Try not to deviate too far from the thesis statement during the essay. 5. Do you use one or two quotes? I’m from the U.S. We use double quotes first. Then, single quotes. Here are three good ideas you had. Try and develop the dream idea more. Stay away from the death of the dream. The question is really not asking how the dream dies. I have reworked the paragraphs a lot. The American Dream of prosperity and independence fuels Steinbeck’s Of Mice and Men. The two central characters, George and Lennie, forge a bond to achieve this dream. In the achievement of their dream, they must separate themselves from the masses of itinerant workers whose sweat, grime, and despair become obstacles to dream fulfillment. George feels that their situation is unique in contrast to other ranch workers: they have each other. He boasts, ‘Because I got you to look after me, and you got me to look after you.’ This shows that George and Lennie share a symbiotic relationship; they depend on each other to provide a sense of hope in an otherwise bleak life. In addition, their wages, food rations, and necessities will be shared. Lennie’s childlike faith in the dream forces the cynical George to confront the dream daily. Lennie’s main objective is to ‘tend the rabbits.’ He constantly looks to George for reassurance that he will be able to tend rabbits in the future. â€Å"Tending the rabbits† is a manifestation of George’s love for Lennie as much as it is Lennie’s dream. George is â€Å"tending the rabbits† already in driving ahead with the dream. Develop this paragraph. Despite the obvious joys of independence and owning land, George longs for freedom, the freedom of not having to work; instead, having the liberty to choose when he will work. ‘And when it rains in the winter, we’ll just say the hell with goin’ to work, and we’ll build up a fire in the stove and set around it an’ listen to the rain comin’ down on the roof.’ Another comparison: Curley’s idea of the dream.

Organizational Impact Paper Essay

Both manufacturing and the service industry drive today’s economy, not only domestically but globally. Innovation, design, and creativity are essential to each organizational type. A company must find its niche and create a name for itself that differentiates itself from all others within its branding. By having the creativity to take another company to the next level all three aspects must be balanced. The restaurant industry is very complex and offers a great variety to customers. Innovation, design, and creativity can be seen in each company. Restaurants include everything from fast food settings to fine dining, inexpensive to expensive pricing, American food to Asian cuisine. The restaurant industry strictly caters to the needs and wants of the public. Fast food has become a necessity with the growing fast pace of life. Companies such as McDonalds, Five Guys, Taco Bell, and Subway have not only created different menus in relation to daily meals but also have created a healthier choice menu. Offering different varieties is a form of innovation. Innovating new concepts and ideas will create a name and buzz that will be beneficial to the company. For example, when Wendy’s created the first value menu in 1989, items were 99 cents (â€Å"Wendy’s â€Å", 2013). This was innovative and created an option for those on a tight budget. With the popularity of the value menu other chains followed suit including, Taco Bell, McDonalds, and Burger King. Designing of a menu, concept, building, even a drive through is important to the restaurant industry. Design goes down to specific details and even reasons why colors are chosen. For example, researchers have discovered the color red makes people hungry (Buswell, 2013). It is very common to drive past several chains and notice they all share some sort of red color in the logo or building structure. Designing a menu that caters to a crowd with dietary restrictions is growing ever more popular. By creating a dietary menu options are given to those that may not usually patron a chain. This creates new customers and more profit for a restaurant. Creativity is also important within the service industry. With a growing list of options to choose from to dine there has to be an element of creativity to attract customers. Restaurants such as Black Angus  Steakhouse offer a mailing club that sends out a free birthday meal up to 20.99 for anyone that signs up for coupons and emails (â€Å"Black Angus†, 2013). Not only does this bring people in that may only go out to a nice sit down steakhouse a few times a year but it also provides an incentive to return, as w ell as spend money in the restaurant. By giving a coupon or free item customers feel as though they are getting a deal and tend to spend more money since they are already saving somewhere else. Restaurants hope that offering deals will not only create a reoccurring guest, but the savings will entice consumers to purchase a dessert, cocktail, or add on item. The same three principles go for manufacturing companies such as General Motors Corporation. General Motors offers a multitude of designs including Chevrolet, Buick, Cadillac, and GMC. GM prides itself on being creative and innovative within its industry. According to â€Å"General Motors Corporation† (2014), â€Å"We challenge ourselves to be creative and lead in everything we do† (Our Company). Having a clear innovative approach has shown beneficial throughout the economic struggle. Learning and offering new concepts has helped secure GM within the car manufacturing industry. Listening to consumer’s needs and wants when purchasing a vehicle have been heard. Creating a new design concepts not only in the factory but in the car lots can help with sales. Finding the most cost efficient way of producing a vehicle, marketing to a specific genre of people, and creating life time customers is the goal. Each year new concept cars or upgrades are made to the previous year’s model. By updating and adapting features, consumer interest grows. A new design in Arizona offers clients the opportunity to get a haircut, pedicure, lunch, and offer daycare at no cost when in the market for a new car. The Toyota Company has created a more relaxed approach to the buying of a vehicle. This is an unheard of approach that General Motors could learn from. By providing an environment that is relaxed and enjoyable consumers may be more inclined to visit that dealership. All three concepts can be easily defined in each industry. Although, this is just an overview of how the three principles all work together, the principles run deeply through the core of the company. Creativity, innovation, and design spread throughout each branch within a company. When one department excels within these principles great things can be created, and new ideas can blossom. The future for the restaurant industry and manufacturing industry look bright and promising for years to come, as long as new ideas, and concepts and created.

Reinventing the Starbucks Experience

In his memo to his senior team, Howard Schultz wrote about his visions of Starbucks and his disappointment over what he called the â€Å"commoditization of the Starbucks experience. † He gave a detailed list of the decisions that has contributed to this fate. His visions are clear and the arguments he presented are impeccable but this paper will look at the situation from a different viewpoint. The question is should they stick with the changes or revert to the old ways and preserve tradition? Going Big Howard Schultz mentioned several decisions that that led to the â€Å"watering down† of the Starbucks experience. These are: †¢ Changing La Marzocca machines with automatic espresso machines. †¢ Shifting from fresh coffee to fresh roasted bagged coffee. †¢ Transforming store design. While he believes these changes resulted to the â€Å"commoditization† of Starbucks, he admitted that these were necessary and instrumental in bringing Starbucks from 1000 to more than 13,000 stores (Schultz, 2007). These changes allowed Starbucks to speed up their services, become more efficient, cost-effective and competitive. Starbucks Soul Everything has its own price. Starbucks achieved their business goals but lost sight of their vision along the way. For Howard Schultz, losing their â€Å"soul† for profit was a high price to pay. In his memo, he mentioned that shifting from La Marzocca to automatic espresso machines removed the â€Å"romance and theater† of the process. The height of the machines blocked the view and took away the intimacy of the experience. Shifting to roasted coffee took out the aroma and stripped the store of its tradition and heritage. Lastly, changing store design eliminated the â€Å"warm feeling of a neighborhood store† (Schultz, 2007). Reinventing the Experience Soul, experience, romance, theater, temple- these are some of the words Howard Schultz associated with Starbucks. Reading his memo gives everyone a glimpse of his vision for Starbucks. It shows how passionate he is about his product and his store. It details the experience he envisions customers would feel in going to his stores. To him, it is not just selling coffee, it’s an experience. It is not just a store, it’s a temple. It is not just good customer service, it is romance. For someone who found his â€Å"Mecca† in Starbucks, those things mean a great deal. However, Schultz has to consider the possibility that not all people share that vision. A lot of people love to drink coffee but that does not mean they are as passionate about the experience as he is. Some customers are not as in love with the tradition and legacy as he is. There is nothing wrong about Howard Schultz’s vision and we can not blame him for being alarmed by the changes that happened in his stores. However, Starbucks have to be open to the fact that there might be a big difference between people who hang out in coffee shops in 1981 to the millions of Starbucks patrons around the world today. They have to realize that it is not just a simple case of profit versus soul or efficiency versus tradition. They have to consider what kind of â€Å"experience† people are hoping to get from their stores and work from their. Starbucks are founded by solid visions but that can only take them so far. In the end it is what the customers think that matters. Conclusion Howard Schultz is not just a businessman, he is a visionary. For him, profit is not enough, he want to preserve the tradition and leave a legacy. However, he has to accept the fact that to some people, coffee is just an ordinary drink, a commodity that does not need to be romanticized.

Flight Operations Quality Assurance Essay Example | Topics and Well Written Essays - 1250 words

Flight Operations Quality Assurance - Essay Example He further said that the collection and availability of the data is of little use unless the problems, which were previously identified, are corrected. It is his recommendation that questions should be understood and answered by acting upon it accordingly. describes the activity tracking methodology of the CATS or Crew Activity Tracking System. CATS immediately identifies the error on commission and omission that leads to deviation. It is also useful in detecting procedural deviations that were not detected before. Moreover, CATS performance. CATS improve safety measures by using FOQA flight data to improve feedback. Should CATS have access to data regarding aircraft state, clearance constraints and pilot actions it could determine nuances in detail for efficient data analysis. immediate maintenance rather than performing maintenance at a schedule time interval. So, if an aircraft part needs to be changed after a flight then it must be done as soon as possible and does not need to wait for the part to be changed within the following week for its supposed regular schedule for maintenance check-up. This study by Stolzer (2002) recommends the use of a FOQA data-driven fuel consumption model to be use to find out why an aircraft uses a higher quantity of fuel than the actual amount prescribed by the air craft manufacturer. Since fuel is one of the major expenses of an airline company, it is imperative to consider whether the more than normal fuel consumption of fuel could be attributed to airframe or engine abnormalities. Whatever good results derived from the FOQA data-driven fuel consumption model to improve the safety of air travel must be incorporated within the overall quality system. According to Stolzers (2002) previous volume of this study, abnormal fuel consumption should be critically analyzed and data must be preserved within the ongoing quality assurance program of the air carrier. In this

Models of Stress Theory and how they apply to First Responder Research Paper

Models of Stress Theory and how they apply to First Responder - Research Paper Example The present paper discusses the similarities and differences between the demand control support and effort-reward imbalance models of stress together with application of these models to first responders. Key words in this paper will include demand, control, effort, reward, and first responders. The two models have a correlation so that the direction of change caused by either increase or decrease of demands, control, and support corresponds to the direction of change caused by either the increase or decrease of efforts and rewards. Therefore, whereas high demands, involving situations that allow high control facilitated by high social support leads to diminished stressful experience, high efforts that are compensated by high rewards lead to diminished susceptibility to stressful experience. Demand control support model has control as a measure of countering the demands of a task and effort reward imbalance claims that control is an intrinsic personal motivation. Both models argue that an imbalance in their proposed concepts leads to exhaustion and emotional distress (Veldhoven et. al., 2005). Demand control support model is an interactional model while Effort Reward Imbalance Model is a transactional model. As an interactional model, demand control support model emphasizes the structural traits of an individual’s interactions with his or her environment. On the other hand, transactional models of stress focus on the factors underlying an individual’s response to a stressful situation. These underlying factors include locus of control, personality, appraisal, and coping. The Demand Control Support Model does not factor in the role of individual differences but effort reward imbalance emphasizes the importance of individual differences (Chmiel, 2009). This model emphasizes demands and control as the two psychosocial job characteristics that are important. Borrowing from this model, the job control of first responders has to do with the decision

Popular Culture in the 1960s and 1970s overwhelmingly made the Beatles Research Paper

Popular Culture in the 1960s and 1970s overwhelmingly made the Beatles more Popular than Jesus - Research Paper Example It was therefore not such an impossibility to believe that the Beatles were indeed more popular than Jesus. This paper will evaluate the impact of the Beatles to popular culture, and how they have gained great notoriety, popularity, and influence during and beyond said time frame. Initially, an overview of the Beatles shall be presented, including how and why they were able to gain much popularity. A discussion on the impact of the statement of John Lennon on being more popular than Jesus would also be presented. Supporting proof of their popularity shall also be discussed in relation to the popular culture in the 1960s and 1970s. Concluding remarks shall end this discussion, highlighting the impact of the Beatles to popular culture and how their statement reverberates to the current times. The leading authorities on this topic are Hecl and Womack. Hecl discussed that the impact of the Beatles on popular culture was so significant that it was easy to believe that they were more popular than Jesus. Womack also discusses that the youth during the 1960s and 1970s were so enamored and so in awe of the Beatles that they patronized their records more than they did Jesus and Christianity. I also believe that at that point in time, during the peak of the Beatles popularity that they were indeed more popular than Jesus. So, basing it on those considerations, I would be inclined to believe that they were indeed more popular than Jesus. ... I also believe that at that point in time, during the peak of the Beatles popularity that they were indeed more popular than Jesus. So, basing it on those considerations, I would be inclined to believe that they were indeed more popular than Jesus. Overview The Beatles were a rock band from England, established in 1960 in Liverpool and they are considered one of the most popular and most successful acts in history2. The members of the group include John Lennon (rhythm guitar and vocals), Paul McCartney (bass guitar and vocals), George Harrison (lead guitar and vocals), and Ringo Starr (drums and vocals)3. Lennon and McCartney wrote most of the songs with occasional contributions from George Harrison. They gained much popularity in UK and in the US as their songs also gained greater social significance. Although Lennon, McCartney, Starr, and Harrison were its popular members, the group started out as a five group line-up with Stuart Sutcliffe playing the bass and Pete best playing the drums4. Sutcliffe soon left the band and Best was replaced by Starr. Their successful career was molded by producer George Martin and manager Brian Epstein. Their first hit in the UK was Love Me Do and in the years which followed, more hits were produced. They became a music phenomenon, and their popularity soon gained the moniker Beatlemania5. They led the so-called British invasion as they hits gained much attention in the US. They toured the world and their popularity reached even greater heights. After producing massive hits, the band broke up in 19706. However, each of them was still able to establish strong solo careers, especially for John Lennon and Paul McCartney. Although the group was only together for 10 years, their strong, successful, and highly influential career is

Globalization and the maritime world in the twentieth century Essay

Globalization and the maritime world in the twentieth century - Essay Example Marc indicates that cargo ships were the major systems of transport and were used load and offload goods (166). The goods in this context had different destinations throughout the world. This concept simply explains that globalization was taking place as the goods were sent to different places. The world was soon becoming smaller thanks to the development in the maritime industry. Marc explains that the shipping lines ordered for larger ships that would be used transport the aluminum boxes that were the standard containers (202-21). Additionally, the development of the maritime industry saw the modernization of port cities to accommodate the larger ships (Marc 191-201). The author also argues that in the 1980s computers ventured in as well, that led to a containerized system (Marc 125). A closer analysis of this fact would be said to have shaped the global economy through innovations in the maritime industry. Miller backs the work of Marc by arguing that globalization is historical and can be rooted to the reality of shipping and trading. The maritime world, in his thought, was the major reason behind the global interconnectedness (Miller 11). In the twentieth century, for example, there were a lot of Eurocentric exchanges in the sea. There was the existence of a global maritime system where European ports were constructed, shipping lines as well as partial networks (Miller 12). This commercial maritime world played a huge role in shipping the present day world of business. The Europeans were the principal operators of the global trading and transport systems up to the 1960s. Just like Marc, Miller would argue that there is a great link between containerization, trade, de-colonization and economic growth thanks to the maritime industry and its developments. Through the works, the close correlation between the maritime world in the 20th century and globalization is evident. The process of globalization clearly went through progressions that saw the

Caliban in The Tempest Essay Example | Topics and Well Written Essays - 1250 words

Caliban in The Tempest - Essay Example The Shakespearean Drama â€Å"The Tempest† involves some ever relevant concepts and characteristics. This play would remain pointless without the distinctive character Caliban who represents the victims of colonization, precisely the natives. Caliban is portrayed as someone who undergoes suffering for no reason in his own region which is captured by a foreigner Prospero. Coupled with certain circumstances and inefficiency, Caliban falls into the bondage of slavery. Significantly, the sufferings of Caliban no matter physical or mental greatly resemble the suffering natives in captured regions. In the play, Caliban is merely a savage or uncivilized ‘half-human, half-monster’ creature whom Prospero dominates and tries to civilize by imposing different tasks on him. Arguably, this was how the so called ‘Prosperos’ perceived their captives. Caliban may have his own reasons for showing unwillingness to accept a foreign culture. Hence, being a slave, Caliban intends to finish Prospero who is mighty and highly ambitious. But Caliban fails in the attempt to kill Prospero even though he is assisted by Trinculo and Stephano. Bloom and Heims put this relation in this way; â€Å"Caliban, very much concerned with revenge, also takes on taint anality through the words of Trinculo and Stephano† (227). This is an attempt to regain the island which belongs to him as hereditary property or possession. This resistance clearly illustrates the unsuccessful movements evolved in certain captured regions after the realization of belongingness. Often these revolutions and revolts were emerged once they were fed up with ill-treatment and domination. And it was reasonable that they sought aid from others to wipe out the illegally invaded outsiders. Hence, it is essential to make a comparison between Prospero and Caliban in this context. Prospero realizes his target, makes preparations and waits for the opportunity to avenge his foes whereas, Caliban too realizes his target but fails to make preparations accordingly to execute the plan in a right manner. Therefore, Caliban’s failure is a clear outcome of one’s emotional reaction against a crisis without realizing one’s own potential and weakness. Caliban as a post colonialism representative should have improved his own potential to resist the occupation of Prospero on the island rather than being foolish to seek external assistance. Knowing the past has greater influence in understanding the present better. Therefore, Shakespeare clearly analyzes the past of Caliban who is a resident of this particular island. The drama indicates that Caliban being the son of the witch Sycorax undergoes a tragic experience that continues with the arrival of Prospero into the island. The most significant change takes place with the departure of Sycorax. The death of Sycorax makes Prospero more powerful that even Caliban is enslaved by him. This entire concept can be interpre ted by interconnecting the invading role of different powerful kingdoms to many underdeveloped and uncivilized regions across the world and their ill-treatment to the nationalities. This enslavement completely consumes the hope of freedom and liberty. Since Caliban being the servant is made to perform every action for the benefit of the master Prospero. However, it indirectly assists the progress of the natives although it is not deliberate. One such act is pointed by Lazarus as â€Å"it is something commonplace in postcolonial literary studies that, like Shakespeare’s Caliban colonized people were able to appreciate a language that was imposed on them and use it to their own ends† (144). It is the similar case witnessed in many captured regions as they are compelled to fulfill the ambition of the mighty, powerful rulers who captured them. Specifically, speaking upon the career of Caliban is demanding as he is the prime sufferer of the play. Moreover, the revolt and di ssatisfaction begin from the very moment when Caliban is captured and enslaved. Apart from

Research Methodology (different forms of participant observation) Essay

Research Methodology (different forms of participant observation) - Essay Example This is not to say that quantitative methods are not used in overt operations. However, during a covert operation mostly quantitative methods are used as qualitative method demands the direct and conscious involvement of the participants during a test. (Banerjee, 2005) One of the primary ways in which overt methodology is defined is in terms of its difference from the so-called 'pure sciences' such as physics, chemistry, biology etc. Its use of theory and methodology is, therefore, closely related to this distinction. Academics of marketing often emphasize what too many of us are utterly obvious, that there is no certainty in the study of marketing sciences. This is because marketing not only deals with fiscal variables but also it deals with humanity, which is inherently transient. Taking this element of transience into consideration marketing scientists has to use not just quantitative but also qualitative methods of study. (Fletcher, 2005) A Qualitative method of study differs from the usual quantitative methods (used in the study of pure sciences) in the sense that it tends to be far more subjective. This is in sharp contrast to the methods used in pure sciences which are exclusively objective. The research methods for marketing are a combination of both quantitative and qualitative methods. ... ms of such data and not in terms of the terminology used in ordinary sciences this broader outlook is far more applicable in the study of social sciences. In keeping with the methodology employed in marketing researches the theories too are formulated and used keeping in mind that they aren't necessarily applicable to all conditions. Be it psychology, history, political science or economics human events are most likely to influence the rules which define the basic theories of a marketing subject. Success in the field of marketing researches can therefore be achieved if and only if it is understood that the subject has no space or opportunity for water-tight methodologies or theories. (Berkowitz, 2004) It can always be stated that Qualitative research is a process that includes interpretative paradigm under the measures of theoretical assumptions and the entire approach is based on sustainability that is depended on people's experience in terms of communication. It can also be mentioned that the total approach is based on the fact that reality is created on the social formulations. It can also be mentioned that the basic target of qualitative research is instrumented towards social context under normal circumstances where it would be possible to interpret, decode and describe the significances of a phenomenon. The entire process is operational under the parameter of interpretative paradigm that can minimize illusion and share subjectivity under contextualization, authenticity and complexity of the investigation. (Rigby, 2005) The basic advantages of qualitative measures are multifold. Firstly, it presents a completely realistic approach that the statistical analysis and numerical data used in research based on quantitative research cannot provide. Another advantage of