A Brief History of the Dragon Boat Festival

A Brief History of the Dragon Boat Festival The Dragon Boat Festival is called Duan Wu Jie in Chinese. Jie means festival.  The most popular theory of the origin of the festival is that it was derived from the  commemoration of a great patriot poet,  Qu Yuan. Since some of the well-known traditions of the festival existed even before Qu Yuan, other origins of the festival have also been suggested. Wen Yiduo suggested that the festival may be closely  associated with dragons  because two of its  most important activities, boat racing and eating zongzi, have ties to dragons. Another view is that the festival  originated from the taboo of evil days. The fifth month of the Chinese lunar calendar is traditionally considered an evil month and the fifth of the month is particularly a bad day, so a lot of taboo had been developed. Most likely, the festival was gradually derived from all of the above,  and the story of Qu Yuan adds to the allure of the festival today. The Legend of the Festival Like other Chinese festivals, there is also a legend behind the festival. Qu Yuan served in the court of Emperor Huai during the Warring States Period (475 - 221 BC). He was a wise and erudite man. His ability and fight against corruption antagonized other court officials. They exerted their evil influence on the emperor, so the emperor gradually dismissed Qu Yuan and eventually exiled him. During his exile, Qu Yuan did not give up. He traveled extensively, taught and wrote about his ideas. His works, the Lament (Li Sao), the Nine Chapters (Jiu Zhang), and Wen tian are masterpieces and invaluable for studying ancient Chinese culture. He saw the gradual decline of his mother country, the Chu State. And when he heard that the Chu State was defeated by the strong Qin State, he was in such despair that he ended his life by flinging himself into the Miluo River. Legend says after people heard he drowned, they were greatly dismayed. Fishermen raced to the spot in their boats to search for his body. Unable to find his body, people threw zongzi, eggs, and other food into the river to feed fish. Since then, people commemorated Qu Yuan through dragon boat races, eating zongzi and other activities on the anniversary of his death, the fifth of the fifth month. Festival Foods Zongzi is the most popular food for the festival. It  is a special kind of dumpling usually made of glutinous rice wrapped in bamboo leaves. Unfortunately, fresh bamboo leaves are hard to find. Today you may see zongzi in different shapes and with a variety of fillings. The most popular shapes are triangular and pyramidal. The fillings include dates, meat and egg  yolks, but the most popular fillings are dates. During the festival, people are reminded of the importance of loyalty and commitment to the community.  Dragon boat races may be Chinese in origin, but today they  are held worldwide.

The Pied in The Pied Piper

The Pied in The Pied Piper The Pied in The Pied Piper The Pied in The Pied Piper By Maeve Maddox The Pied Piper is a character in a German folk tale popularized in English by Robert Browning in his poem â€Å"The Pied Piper of Hamelin.† In Browning’s version, a town corporation hires the Piper to rid their town of a plague of rats. They agree to pay what the Piper asks. When the rats are dead, however, the town leaders renege on the contract because the rats cannot be brought back. In retaliation, the Piper lures away their children, never to be seen again. The moral of the tale is that cheating people can have unexpected and dreadful consequences. The term â€Å"pied piper† has entered the language in the sense of someone who, by means of personal charm, entices people to follow him or her, usually to disappointment or misfortune. Browning’s Piper wears a long coat â€Å"from heel to head† which is â€Å"half of yellow and half of red.† The coat is what gives him his name. The adjective pied means â€Å"of two colors.† Originally, the two colors were black and white, the colors of a magpie. Magpie is where the â€Å"pie† comes from. The word usually refers to an animal with markings of two colors, especially a bird: pied kingfisher, pied flycatcher, pied finch, etc. In the Middle Ages, the Carmelites were called â€Å"pied friars† because their religious habit consisted of a brown tunic and a white cloak. The Benedictines and Cistercian monks were called â€Å"pied monks† because they wore a white tunic and a short black cloak. A pied horsepiebald has black and white patches, although some speakers use the word pied or piebald to describe patches of any differing colors. Another type of pied horse is called a skewbald: When the white is mixed with black it is called pie-bald, with bay the name of skew-bald is given to it. –Youatts The Horse, 1866. The term pied piper is popular with writers on the Web, although what they mean by it is often difficult to discern: Rufus Harley: the Pied Piper of jazz Todd is the Pied Piper of cool Steve Gryb: the Pied Piper of Percussion Mohamed El Baradei: Globalist Pied Piper of the Egyptian Revolt Seligman: the Pied Piper of positive psychology Ryan McGinley, the Pied Piper of the Downtown Art World Jerry Kapstein: the Pied Piper of Free Agents Headlines are innately ambiguous, but here’s a reference that definitely departs from the traditional meaning of pied piper as â€Å"someone charming who leads his followers to misfortune†: Hes a team guy and just beloved by people that know him. Hes very pleasant to be around. Hes like the Pied Piper, Lamb said. Perhaps a revival of Browning’s poem is in order. In our age of skullduggery, the topic remains timely. Besides, it’s fun to read aloud. Here are a few lines to get you started: Rats!   They fought the dogs and killed the cats,   And bit the babies in the cradles,   And ate the cheeses out of the vats,   And licked the soup from the cooks own ladles,   Split open the kegs of salted sprats,   Made nests inside mens Sunday hats,   And even spoiled the womens chats,   By drowning their speaking   With shrieking and squeaking   In fifty different sharps and flats. You can read it all here: †The Pied Piper of Hamelin† by Robert Browning. Want to improve your English in five minutes a day? Get a subscription and start receiving our writing tips and exercises daily! Keep learning! Browse the Vocabulary category, check our popular posts, or choose a related post below:Math or Maths?41 Words That Are Better Than GoodKn- Words in English

Learning and Assessment Essay Example | Topics and Well Written Essays - 1000 words

Learning and Assessment - Essay Example Although, the alternative assessment strategies using various technologies was better way to assess a student than the traditional one, yet using both types of assessments in triangulation was the most appropriate approach. Before discussing that which method was better, one must keep in mind what is assessment and what are its essentials In literal terms, the word assessment means to determine the real worth of something. In the educational setting, it refers to the evaluation done by the teacher to find the extent to which the student had been able to learn something. A good assessment should be complex enough to involve the students in real thinking process, open enough to appreciate diverse opinions but at the same time, it should also be constraint enough to enable a fair scoring system. Initially, the only method for the assessment, used by the teachers, was the traditional one. This means that a written test used to be taken, having questions and answers, preferably in the form of Multiple Choice Questions. This tradition was followed for centuries. Even today, this traditional methodology of assessment is being used in most of developing countries till matriculation level, atleast. On one hand, this approach was easy to conduct and scoring could be done more objectively but this traditional approach led to several problems too. The first problem was the misrepresentation of learning... The goal of assessment is to check for the level to which the student had learnt. But a written test was just a sampling of those learning outcome, only on the basis of that 'sample', it would not be appropriate to grade the student. Another problem with written test is that, ideally the evaluation should be a continuous process. However, the written test used to be the evaluation only at certain point of time. There is a possibility that the student would not have been feeling well at that time and thus could not attempt the paper well, in such cases; such assessment strategy fails to portray the true picture. THE ALTERNATIVE APPROACHES - Advantages and Drawbacks: On the contrary to the real purpose of assessment, a written test could provide the true picture only if the writing skills of the students permitted so, thus it became primarily the test of writing skill before being the test of original stuff. Suppose there was the written test of science, it should test whether the student has grasped the particular concept or not (Shepardson 2001), but two students delivering the same content, but one had better abilities to express himself, he was likely to get more marks than the other. However, the alternative assessment strategies used various technologies to remove the loopholes of the traditional system. The alternative assessment strategies were based on the ideas that the assessment should be able to involve the student to involve in thinking process that is supposed to be invoked in him, because of the learning that he had gained. Furthermore, it was not dependent totally on the writing skills of the students. Above all, it was capable of accepting the diverse ideas and responses. However, one major challenge

Germany During the Cold War (West Germany) Research Paper

Germany During the Cold War (West Germany) - Research Paper Example West Germany was inclined to the western allies such as America, France, and Britain. The west side of Germany was known as Federal Republic of Germany with Bonn as the capital city. West Germany managed to maintain a stable democracy and a tremendous economic expansion. The division of Germany continued for a long time with several policy changes to facilitate the dominance. However, Germany was again unified in 1989 (Arnold 377). This paper seeks to focus on West Germany during the Cold War. Western Democracy Although the Second World War ended in 1945 followed by the defeat of Germany, the allied forces controlled Germany from 1945 to 1949. This was meant to reduce the effects and influence of the Nazi party. During this time, the allied forces realized the importance of Germany becoming a democracy. Democratic institutions were established at all levels such as parish and municipal levels and then in counties and districts. Consequently, the whole of West Germany state had democr atic institutions in place. The allied forces wanted the German people to play a part in the formation of their government (Hiscocks 496-503). Britain established nominated councils in parishes that had to take a decision without authorization by political parties. The political party ban was lifted at the end of 1945 in the three zones. From this period, there was a rapid development of democratic institutions. Administratively, the German part increased, and the number of military officers significantly reduced. Furthermore, in the last period of 1946, the process of administrative unification had increased and Britain and United States decided on economic integration of their two zones (Hiscocks 497). According to Hiscocks, the other important step in democratization of West Germany was indirect means employed by America, Britain, and France (497). This was fundamental and incorporated Cultural, Education, and Information Division of the Allied Control Commission. In England, for example, prisoners of war were given lecture on democratic institutions and international civics. Moreover, the theories of Nazis were exposed during these lectures. Additionally, America relied on the press and print media whereby a number of journalists were taken to American universities for training on democracy. There were also other important materials on German newspapers. France facilitated democratization by ensuring Germany was acquainted with French culture. The democratization of Germany helped it to overcome challenges that were experienced before during preparation of the Reich Constitution of 1919 and the failure of the Weimar Republic. However, the bureaucracy employed in German civil service continued to be a threat for democratic ideals in the region. The other obstacle was the extreme authority vested in political parties. Federal Parliamentary Republic From 1949, Western Germany was controlled under the basic law that was authored by a German constituent assembl y. This was known as the Parliamentary Council and was authorized by occupying authority and was intended to allow participation of free will of the German people. These laws led to the establishment of a Federal Republic with a bicameral legislature and a parliamentary form of government. The majority of single member constituencies elected 60% of the lower house. The remaining 40% were chosen based on proportional representation from reserves drawn from party lists

Developing educational leadership in study circle Essay Example for Free

Developing educational leadership in study circle Essay As previously mentioned, Study Circle leaders are highly look upon as respectable individuals in the program. Even though the leader is just a representative or could be consider as equal among others, it could not be deny that their role is crucial in the success of the Study Circle. According to Blid (2000), there are two main functions that can be used to identify a leader. One is the ability to secure that studies progress smoothly and two, the ability promote a positive social climate during meetings. The first characteristic of the leader implies that he is willing to set aside his personal time to ensure that the program would run smoothly and effectively. However, the Study Circle was created to work collectively and each member is expected to be responsible for their own progress so it doesn’t mean that the Study Circle leader should do everything. He is just their in order to guide the participants in accordance with the program. Most of his organizational functions could be consider as presidential or secretarial work (Bjerkaker, 2003). The second functions or commonly known as the social and emotional role of the leader is consider as an important tool in developing a positive atmosphere of cooperation and respect wherein everyone would feel at ease while learning (Blid, 1990)). A Study Circle leader may be the key to an inspiring first meeting or a failure leader would cause the Study Circle to lose some of its members or participants. In order to carry out those two functions, Kindstorm (2002) cited some tasks that would help them perform their task. They are the following: 1) Helping the participants in strengthening their self-confidence; 2) Developing team spirit so that participants would feel welcome and secure; 3) Putting the participants own development in focus and ask the right questions; 4) On the process of knowledge, applying common views from time to time will help the participants to apply what they have learn in different situations of their everyday life; 5) Preventing competition by promoting cooperation among the participants; 6) Encouraging the participants to discuss solutions and ask questions among other through dialogues; 7) Making different options very clear; The leader will always play a crucial role in the interplay of the group. He/she, for an instance, need to face problems that could inhibit the members from participating in activities or learning from the program. The course subject that the Study Circle will tackle will be in accordance to the leader’s general knowledge. On the other hand, Study Circle leaders are considered as unpaid work since it is look upon as part of their engagement in a voluntary organization (Persson, 2006). However there are some who get paid but most of them are either retired or were specifically hired for the job due to certain circumstances. Most Study Circle leaders do have ordinary employment and their only few who are consider as full time Study Circle leaders and most of them are teachers. Methodology Introduction A multiplicity of concepts and ideas may bring confusion in terms of meanings. Clarity of key concepts, ideas and how could they be applied after the study would be an important parts in determining whether they are qualitative or quantitative. The purpose is to generate information about the application of the research design and its method to the current study. Research Design By focusing on textual data and spoken word rather than relying in numerical data and statistical method, qualitative research is meant to describe human experiences in various subjects and topics. The multiple perspectives of each participant are the direct source of data for this research design. By analyzing frequent phrases, patterns or statements from the participants, the researchers are in the process of developing a theory or foundation needed for the study. Furthermore, this procedure may often produce additional information that could start further research. In order to carry out their goal, the researchers should observe and jot down notes during the process of the research (Patton, 2002). According to Patton (2002), qualitative design is very tedious and time consuming. Researchers are force to adapt to the participants conditions and situations in order to extract the information they needed without jeopardizing the content and value of the data. However, analysis of data could pose as a major threat to the success of the study. After being influence by the participant’s environment, interpretation of this data could be subject to biases and personal opinions of researchers (Myers, 2002). However, the risk of taking this design lies in its descriptive reports and explorations of human views that could offer the future readers of the study a better understanding of the problem. Research Method While the Study Circle shall be used as a method, the characteristics of Focus Group Discussion to capture multiple perspectives of different participants at the same time will be useful in this study. Similar to the Study Circle, by assembling group of people to discuss certain topic, focus group discussion could generate social interactions between these people that are not acquainted with each other (Heiskanen, 2008). By generating interactions among them and seeing it evolve, various ideas and concepts are generated at the same time. Ideas and concepts are being generated through a communal process wherein participants could share and elaborate their viewpoints about the subject and concern topics. Furthermore, researchers could understand how participants handle, react and approach the issue being presented to them by observing, recording and analyzing the interaction and discussion of the group (Heiskanen, 2008). Multiple ideas and concept necessary to form the foundation of the school-community framework could be supplied by focus group discussion while minimizing time and cost for the research. Furthermore, the concept of Study Circles and focus group discussion are parallel with each other, thus preventing overlaps of information.

The American Constitution Essay -- United States Constitution

The American Constitution The basis of all law in the United States is the Constitution. This Constitution is a document written by "outcasts" of England. The Constitution of the United States sets forth the nation's fundamental laws. It establishes the form of the national government and defines the rights and liberties of the American people. It also lists the aims of the government and the methods of achieving them. The Constitution was written to organize a strong national government for the American states. Previously, the nation's leaders had established a national government under the Articles of Confederation. But the Articles granted independence to each state. They lacked the authority to make the states work together to solve national problems. After the states won independence in the Revolutionary War (1775-1783), they faced the problems of peacetime government. The states had to enforce law and order, collect taxes, pay a large public debt, and regulate trade among themselves. They also had to deal with Indian tribes and negotiate with other governments. Leading statesmen, such as George Washington and Alexander Hamilton, began to discuss the creation of a strong national government under a new constitution. The United States is a republic that operates under a federalist system. The national government had specific enumerated powers, and the fifty states retain substantial endowment over their citizens and their residents. Both the national government and the state government are divided into three different branches, executive, legislative, and judicial. Written constitutions, both federal and state, form a system of separated powers. Amendment, in legislation, is a change in a law, or in a bill before it becomes a law. Bills often have amendments attached before a legislature votes on them. Amendments to the Constitution of the United States may be proposed in two ways: (1) If two-thirds of both houses approve, Congress may propose an amendment. The amendment becomes a law when ratified either by legislatures or by conventions in three-fourths of the states. (2) If the legislatures of two-thirds of the states ask for an amendment, Congress must call a convention to propose it. The amendment becomes a law when ratified either by the legisl... ... juries in some states may have as few as 6 members. The jury or judge hears the evidence for and against the defendant and then reaches a verdict. If the individual is found guilty, the judge pronounces sentence. If the defendant is found not guilty, he or she is released. In most cases, the judge determines the sentence for a defendant convicted of a crime. The judge imposes punishment that he or she feels will best serve both the offender and society. Laws may provide a maximum and a minimum sentence according to the crime involved. In some cases, the recommendation of the jury determines the sentence that may be given to the offender. The judge may put a convicted offender on probation to protect the individual from the harmful effects of being imprisoned with experienced criminals. A lawbreaker who is on probation remains free but must follow certain rules. A probation officer assigned by the court supervises the individual's conduct. A probationer who violates any of the rules of his or her probation may be sent to prison. Some judges require offenders to repay their victims, either with money or by working for them without pay.

Psychological Factors of the Issue Essay

Psychological factors include motivation, perception, learning, beliefs and attitudes. These factors are largely unconscious and that a person cannot fully understand his own motivations. People decide based on what h perceives as dictated by his environment that serves as the stimulus and not necessarily that which is real. In marketing, perceptions are more important than reality. Characteristics of Adolescence Adolescence is often a period of stress and conflict, particularly in Western society. The adolescent confronts a host of new, varied and difficult problems of adjustment within a brief period of time. The adolescent attempts to acquire a sense of identity, a sense of who one is and where one is going. Every adolescent wants to be popular. They commonly think, †What can I do to have all the kids at school like me? † â€Å"What can I do to feel I belong to a group? † â€Å"How can I be popular with both girls and boys? † â€Å"What kinds of clothes will make me feel like I am one of them? † Sometimes adolescents go to great lengths to be popular. In some cases, parents go to even greater lengths to try to insulate their adolescents from the rejection and to increase the likelihood that they will be popular. Students show off because it gets attention and makes their peers laugh. Parents set up elaborate parties, buy clothes for their teens and drive adolescents and their friends all over in the hope that their sons and daughters will be popular (Santrock, John). Dr. Riesman in his study of the basic changes taking place in the American characters during the twentieth century (that is, from inner-directed to outer-directed) found that our growing pre-occupation with acts of consumption reflects the change. This pre-occupation, he noted, was particularly intense (and intensively encouraged by product makers). He characterized the children of America as ‘consumer trainees. ’ (Santrock, John). The adolescent confronts a host of new, varied and difficult problems of adjustment within a brief period of time. Physiological changes – rapid body growth, sexual maturity, increases in sex hormones–often precipitate special conflicts and self-doubts. Almost simultaneously, the adolescent is expected to achieve independence from the family, establish satisfying relationships with peers of both sexes, decide on – and prepare for – a set of consistent moral principles to guide decisions and actions. Fashion, therefore, lures the adolescents to try something new and not get stuck with the traditional ways of dressing and doing things. Back then in the 60s, the clothes that the â€Å"old school† hip hop artists donned were expressions of individuality but they even carried a purpose which was a functional one. The Puma branded sneakers that sported fat-laces and sweatsuits were all the rave back then. The colorful clothing which also had resemblance to the beautiful graffitis on the walls were also very popular back then. The dress-code of being loose and comfortable became a style of dressing which identified all those people as exceptional and unpretentious. Because the people in the ghettos had limited resources, they made the most out of what they had. The style and the fashion sense that they sported spoke of a willingness to create a style of their own despite several constraints (Wikipedia 2004). In the hip-hop culture today, fashion has undoubtedly become more stylish, more pronounced and more accessible in this day and age. It has indeed come a long way in the past twenty or so years. Ever since its inception, it has been proven to be a driving force in the fashion scene. From its modest beginnings in the â€Å"ghettos† of the African-American suburbs of New York, the hip hop fashion has transcended race, culture, gender as well as international borders as you will now see different ethnicities and races who have adopted their own hip hop style. The one thing that will immediately identify a person if he listens to hip hop or not is by the way they dress and what they put on themselves. Today, the hip hop clothing and apparel industry grosses over a billion dollars but despite its popularity among people who have the money to spend for the type of look they are sporting, it is still accessible by even the youngest boy in hopes of making it big in the future as an advocate of the hip hop music and fashion (Wikipedia 2004)

Mobilization of Deposits

Topic: â€Å"Mobilization of deposits in banking system of Pakistan† Submitted to: Ma’am Bushra Submitted by: Muhammad Mumtaz (09-arid-929) Tayyab Sultan (08-arid-387) Muhammad Sohail Zafar (09-arid-934) Farhan Ahmed (08-arid-402) ACKNOWLEDGEMENT Thanks to Almighty ALLAH who had made us able to complete this project with the true knowledge. Special thanks are due to our respected teacher Ma’am Bushra Zulfiqar who have shown us the right way to go for our project to success and enlightened our mind with the tips and guidance to think creatively.We are thankful to our friends, who help us a lot during this course of project. Table of content: 1) Deposit——————————————————————————-4 2) Current Accounts——————————— ———————————-4 3) HBL Freedom Account————————————————————4 4) HBL Business ValueAccount—————————————————-4 5) Term Accounts———————————————————————-5 6) HBL Advantage Account———————————————————-5 7) Investment Plus Deposit————————— —————————â €”–5 8) Savings Accounts————————————————– —————–5 9) PLS – Savings Account————————————————————-6 10) Remittance Munafa Plus Savings Account—————————————6 11) Foreign Currency Accounts———————————————————7 12) Mobilization of deposits————————————————————-8 13) HBL Car Loan—————â⠂¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€ ——————8 14) HBL Car To Car———————————————————————–9 15) HBL Credit Card———————————————————————10 16) HBL Home Loan———————————————————————11 17) HBL INVESTMENT BANKING———————————– ————–13 18) HBL Zarai Banking————â₠¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€14 19) MCB Islamic banking——————————————————- ——–17 20) Al-Makhraj Saving Account————————————————— —–17 21) IANAT Account———————————————————————–18 22) Al Makhraj Term Deposit————————————————————20 23) Ijarah———————†”————————————————————20 24) Murabahah——————————————————————– ———-21 25) Diminishing Musharika Equipment————————————————-21 Abstract: Banks generally adopt following strategies to mobilize their Deposits in two categories 1-  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Demand Deposits which are payable to the owner on demand i. e Savings Accounts Current Account etc. 2-  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Time Deposits.These are Fixed Deposit for various tenors ranging from month to 10 years and are payable at maturity. * Banks accept Deposits from institutions like Government institution s, public ltd and Private limited companies and Trusts etc. * Banks accept Deposits from general public by launching various Deposit schemes catering the needs of every segment of society and offer attractive Profit rates on these schemes. * For example HBL offers HBL Money club Account to kids up to the age of 18 and offer ATM Card (with restricted Limit) and attractive Profit Rates up to 7. 55% to attract the youngsters who will subsequently prefer to maintain their Account with HBL till life time. For Businessmen who frequently transfer money to and from their Accounts to make their business payments HBL offers Freedom Account in which they can make Drafts of unlimited Number and amount and free online funds transfer by maintaining minimum daily balance of Rs. 25,000. 00/- only. This strategy attracts huge numbers of businessmen to HBL which has competitive advantage of largest Network of branches in every city of Pakistan with online facility. * For customers mostly businessmen who want profit on daily basis HBL Offers HBL Daily Progressive Account on which profit is calculated on daily basis and credited into customers Accounts at month end. * Similarly to encourage the remittances by expatriates through banking channels HBL offers RMPA Remittance Plus Munafa Accounts. * HBL mobilizes its deposits in the form of investments in projects and give loan to corporations as well as to the consumer.HABIB BANK LIMITED: DEPOSITS: There are different types of deposits account. Current Accounts: Make unlimited transactions while maintaining a low minimum balance every month. Current Account of HBL: * Minimum balance of Rs. 5,000 * Unlimited transactions * Non-profit bearing * HBL Debit Card and Inter Branch Transaction System (IBTS) facilities * Funds transfer to any bank through HBL Phone Banking Basic Banking Account (BBA): * Can be opened with only Rs. 1,000 * No minimum balance requirement * Up to 2 withdrawal and 2 deposit transactions free every month * Unlimi ted withdrawals through HBL Debit Card * Non-profit bearing HBL Freedom Account:Use your money as you please with HBL Freedom Account. Rest free from worries and expand your business with unmatched accessibility. HBL Business Value Account: * No minimum balance requirement * HBL Debit Card and Inter Branch Transaction System (IBTS) facilities * Unique transactional account for Businessmen * Up to 10 Bankers Cheques free (at minimum balance of Rs. 500,000) * Profit calculated daily, paid every quarter * Up to 5. 35% profit per annum * Funds transfer to any bank through HBL Phone Banking. * Nominal monthly maintenance charge of Rs. 50 Term Accounts: Invest your savings in our term deposits for a fixed duration and earn profit while keeping your savings secure.HBL Advantage Account: | | |   | | | | | | | | | Term| Profit per annum| 1 Year | | 12. 00%| | 3 Year | | 14. 00%| | 5 Year | | 15. 00%| | 10 Year | | 18. 00%| | | | |   | †¢ | Multiple options for tenure and profit payo ut. | †¢| Loan facility up to 90% of investment. | †¢| Minimum investment of Rs. 25,000. | †¢| Withdrawal at end of fixed term. | Investment Plus Deposit: * Profit paid at maturity * Minimum investment of Rs. 20 million| * Multiple options for tenure and profit payout| * Withdrawal at end of fixed term * Account for Institutions| Savings Accounts: Avail the flexibility of making transactions while earning profit on daily/monthly basis.HBL Value Account: * 7. 19% profit per annum| * Profit calculated monthly, paid every quarter| * Deposit ranges from Rs. 10,000 to Rs. 1,000,000| * Two withdrawals free every month| PLS – Savings Account: * 5. 06% profit per annum| * Profit paid bi-annually| * HBL Debit Card and Inter Branch Transaction System (IBTS) facilities| * Funds transfer to any bank through HBL Phone Banking| * Minimum balance of Rs. 20,000| * Unlimited transactions| Remittance Munafa plus Savings Account: * Special account for receiving foreign remittance s| * 5. 12% profit per annum| * Profit paid every month| * Minimum balance of Rs. 20,000| Daily Munafa Account: Profit calculated daily, paid every month| * Up to 8. 84% profit per annum| * HBL Debit Card and Inter Branch Transaction System (IBTS) facilities| * Funds transfer to any bank through HBL Phone Banking| * Minimum balance of Rs. 20,000| Daily Progressive Account: * Unique transactional account for Institutions| * Profit calculated daily, paid every month| * Up to 11. 57% profit per annum| * Inter Branch Transaction System (IBTS) facility| * Funds transfer to any bank through HBL Phone Banking| * Minimum balance of Rs. 20,000| Foreign Currency Accounts: HBL offers Foreign Currency Accounts in multiple currencies as savings and term accounts. FC-SB: Savings Account offered in 3 currencies, USD (US dollar), EUR (Euros) and GBP (UK pound)| * Tiered product, with rates depending on choice of currency| * To earn profit, minimum balance should be 1000 USD, EUR or GBP| * Interest is payable on a quarterly basis| HYFFD (High Yield Foreign Currency Fixed Deposit): * Available in 1 month, 2 month, 3 month, 6 month and 12 Month in USD, EUR | * Tiered product, with rates depending on choice of currency and term| * Profit paid on maturity only. | Mobilization of deposits: HBL CAR LOAN: HBL CarLoan helps you get your preferred car through a simple and hassle-free process, backed by superior service and support. Now you can drive a car you always wanted. Features: * Choice of used, new local/imported and reconditioned imported car. * Repayment options ranging upto 7 years. | * Up to 85% of financing for the car of your choice. | * Insurance at all times for complete peace of mind and security. | * Round the clock support available through HBL Phone Banking you can place your requests and queries, track the status of your repayment/loan account and avail other value-added services through HBL Phone Banking. | Eligibility criteria: | Salaried Individuals | Self-Employ ed Business persons/ Professionals | Citizenship| Pakistani| Pakistani| Age| 22-60 years | 22-65 years | Minimum monthly income| Rs. 20,000 | Rs. 25,000 | Documentation: Salaried Individuals | †¢ | Copy of CNIC | | 2 recent passport size photographs| †¢| Latest original salary slip and personal bank statement for last 3 months| | Self-Employed Business persons/Professionals| †¢ | Copy of CNIC | †¢| 2 recent passport size photographs| †¢| Bank statement for last 6 months and bank letter confirming details of account| †¢| Proof of business| | HBL Car To Car:| HBL Car To Car is a revolutionary car financing offer. It makes the car of your choice affordable and practical with a buy back guarantee. HBL CarToCar offers matchless features and unique options at the end of the lease. Now you can drive a new car at the end of every two years. Features: Affordability:With HBL Car To Car, you only have to pay the difference between the car price and the pre-agreed residual value to the bank. As a result, the monthly installment may even be 40% to 50% less than that of conventional financing Upgrade of lifestyle: HBL gives you the guarantee that if you wish to return the car to us at the end of the lease term, you will not have to pay off the car’s residual value. Instead, we will directly settle this outstanding liability for you under the buy back guarantee. Hence, you can upgrade to a new car as frequently as two years* without any complication and hassle. Pay only for what you use:When you lease a car under HBL Car To Car, you only pay for that part of the car’s value that you use during the lease term.The car’s residual value* (forecasted for the end of the specific lease term) is agreed with you at the start of the lease term. This amount is deducted from the car price thus lowering the finance amount. This finance amount is based only on a part of the car’s value and not the full value of the car. Therefore, HBL CarToCar offers very low installments as compared to any conventional financing. |   | .| Flexibility| | HBL Car To Car offers you several choices at the end of the lease term:| * Upgrade – Simply return the car to HBL and drive a new one home | | * Walk away – Return the car to HBL and end the lease| | * Buy – Keep the same car.Just make a one-time settlement of the car’s residual value to HBL or pay the same in easy installments over a specified extended period of time| | * Sell – Enjoy the gain from selling off the car at a higher price in the market than what you ay HBL as the residual value| Eligibility criteria: | Salaried Individuals | Self-Employed Business persons/ Professionals | Citizenship| Pakistani| Pakistani| Age| 22-60 years | 22-65 years | Minimum monthly income| Rs. 20,000 | Rs. 25,000 | Documentation: Self-Employed Business persons/Professionals †¢ | Copy of CNIC | †¢| 2 recent passport size photographs| †¢| Bank statement for last 6 months and bank letter confirming details of account| †¢| Proof of business| Salaried Individuals | †¢ | Copy of CNIC | †¢| 2 recent passport size photographs| | Latest original salary slip and personal bank statement for last 3 months| | | | HBL Credit Card:| Welcome to a world of convenience and flexibility. Accepted at over 29 million merchants worldwide, HBL Credit Card makes shopping fun and paying simple. So make the most of your shopping experience. Gold Card|   | Green Card| Rupees| Minimum gross salary requirements| Rupees| 50,000| | Salaried individuals| 15,000| | 180,000| | Self-employed business persons/professionals| 25,000| | | Rupees| Credit limit range| Rupees| 150,000| | Minimum| 20,000| | 500,000| | Maximum| | | | HBL Home Loan:| HBL Home Loan offers financing options to purchase a new house or renovate an existing house.Outright purchase: The outright purchase loan option provides financing for buying a new house. Home im provement: Home-improvement loan option provides financing for renovating your house. Outright Purchase| Descriptors| Home Improvement/ Renovation | 3 years to 20 years| Loan tenure| 3 years to 20 years| Rs. 300,000 – Rs. 15,000,000| | Loan amount| Rs. 300,000 – Rs. 5,000,000| | 85%| | Maximum financing amount (as % of appraised value of the property)| 70%| | 5 years| Property lease (years remaining at the time of loan maturity) | 5 years| Borne by the Bank| | Property insurance| Borne by the Bank| | Primary applicant and co-borrower| | Life insurance through HBL by the insurance company on HBL panel)| Primary applicant and co-borrower| | Eligibility criteria: | Salaried Individuals| Self-Employed Business Persons/ Professionals| Nationality | Pakistani (resident) | Pakistani (resident) | Age criteria of the main applicant and co-borrower whose income is being clubbed (spouse only)| | Permanent employees Minimum age at the time of loan application should be 21 years. M aximum age at the time of loan maturity should be 60 years. Contractual employees Minimum age at the time of loan application should be 21 years. Maximum age at the time of loan maturity should be 55 years | Minimum age at the time of loan application should be 21 years.Maximum age at the time of loan maturity should be 65 years. | | Length of Employment| | Permanent employees Minimum 1 year experience; 6 months experience with confirmed employment status in the current job. Contractual employees Minimum 2 years work experience. Third party contractual not eligible. | Minimum 2 years experience in personal business| | | Documentation:| Salaried Individuals| | * CNIC copy * 2 passport size photographs * Letter from employer * 2 latest salary slips or salary certificate * Bank statement for last 6 months and bank letter confirming details of account * Copies of property documents| | Self-Employed Business Persons/ Professionals| CNIC copy * 2 passport size photographs * Proprietorship : Bank Certificate / Latest Tax Assessment Order * Latest one year bank statement * Partnership Deed * Registered Form C * Memorandum, Article of association and registered Form 29 A (applies to company directors) * Copies of property documentsSchedule of bank charges: Application processing charges (including 16% FED)| Rs. 7,000/- (non-refundable)| Early settlement charges | 4. 7% of outstanding principal | Partial payment charges | 4. 7% of adjusted principal | Late payment charges | Rs. 700 (for each late payment) | Property evaluation fee | Actual cost plus 16% FED to be recovered | Legal fee | Actual cost plus 16% FED to be recovered | | HBL INVESTMENT BANKING: HBL offers full-service Investment Banking capabilities to its clientele. This year alone, HBL has closed over thirty transactions with a cumulative worth of over USD 2 billion. This is a testament to the out-of-box thinking and the innovative products we bring to our customers.The Investment Banking Group functions in t hree specialist business areas: Project Finance, Debt Capital Markets & Syndications and Equity Capital Markets & Advisory. Project finance: The bulk of HBL’s project finance practice revolves around the power sector. Prior to the power policy of 2002, HBL actively pioneered Project Finance in Pakistan through the funding of a gas-fired co-generation plant (94 Megawatts of power and desalination of 3 million gallons per day). Subsequent to the 2002 power policy, HBL continues to play a fervent role in the sector and is the only Investment Bank that was Lead Advisor to all IPP transactions that achieved financial close.In the fertilizer sector, HBL financed the largest local currency financing in Pakistan, worth PKR 23 billion, as well as a green field venture in the telecom sector worth PKR 12 billion. Debt Capital Markets & Syndications: Depending on the requirements of its customers, HBL offers a variety of products, including syndications, securitizations, privately placed and listed TFCs, term finance facilities, commercial papers, etc. HBL played the lead role in a number of significant debt transactions, including PKR 15. 14 billion TFC issue (the largest privately placed issue in Pakistan), the first bond offering for any microfinance institution in all of Asia, credit enhancement for a rapidly growing company in the consumer durables sector and numerous tier-2 capital transactions for commercial banks. Equity & Advisory:HBL offers a breadth of equity and advisory products including innovative capital raising techniques, restructurings, public and private equity placements and mergers & acquisitions. The HBL team played a pivotal role across several sectors, including energy, agriculture, consumer products, fertilizers, etc. , for raising various forms of equity and quasi-equity. Recently, HBL structured a convertible debt note with a built-in Put feature for a US-based provider of agriculture technology and dairy solutions – a first of it s kind transaction in Pakistan. HBL also provides valuation for a company in the food and beverages sector. HBL ZaraiBanking:HBL ZaraiBanking facilities are spread across the country and provide financing through more than 800 of our branches. HBL’s presence in all agriculture belts of the country ensures easy access to farmers in rural areas. HBL ZaraiBanking provides loans to small-scale land owning farmers as well as large institutionalized and alliance based finance, enhancing agricultural harvest and, in turn, economic output of the country. Products: HBL ZaraiBanking enables farmers to invest in premier quality seeds, fertilizers, pesticides, agricultural implements and non-farm setups through its various product programs. Crop Inputs: Crop specific finance for purchase of Agri inputs such as seed, fertilizer, pesticide and other related inputs. Farm Implements:Finance available for purchase of farm implements & machinery like combined harvester, sprayers, ploughs, tube wells and other crop-related tools/implements. Tractors/Agricultural Vehicles: Finance available to individual farmers, self-employed tractor operators, providing the option to select vehicles from a range of different manufacturers. Livestock: Finance available for feed, medicines, raw material, raising charges and other related activities. Poultry: Finance available for all poultry related activities including poultry farm construction/equipment, hatchery plant & machinery, poultry feed, poultry medicines, composite feed production, poultry processing and other related activities. Fish Farming: Finance available for inland fish farms as well as deep-sea fishing.This includes procurement of boat, fish locating equipment, nets & ropes, ice maker, fish farm water solution, hatchery construction/equipment, purchase of medicines / feed and other related activities. Group Lending: Joint finance facility for a group of farmers with small land holdings for working capital requirement. MC B Islamic banking Islamic Banking Division was formed with effect from 1st January 2003, which in a short span of time, has developed sufficient expertise, necessary infrastructure, information technology, and manpower to run Islamic Banking Operations and offer Islamic Banking Products. Mission statement: To play a dynamic role in promotion of Islamic Banking and win customers trust by providing sharia compliant financial services. Vision:To become a leader among Islamic Banks of the country in the coming years capturing major share of the domestic Islamic financial market. Al-Makhraj Saving Account: The minimum deposit requirement for Al-Makhraj Saving Account is only Rs. 5000 and profits can be earned 6-monthly. Other features associated with this product are as follows: Minimum Initial Deposit: Rs. 5000 Islamic Tools used in designing the product: Mudaraba/ Musharaka Product to be availed by: Individuals & Joint Account Holders (Local) Companies, Corporate, Trusts, etc Special A dvantages: For Customer = Bi-Annual Profit Payment; Withdrawal Facility Shariah = Meets requirements for Shariah Compliance Additional Features: | * Personalized Cheque books| * Withdrawal Facility from ATM/ Debit Card| | * Online deposit as per bank's policy| | * Virtual Banking| | * Call Centers Facilities| | * 6-monthly profit payment on the basis of monthly declared rates| | * Issuance of duplicate statement of account (as per SOBC)| | * Free bank balance certificates (once in 6 months)| | * Taking stop payment/ hold mail/ standing instructions| | * No penalty if balance falls below minimum level. | | * Personal financial consultancy services (regarding Shariah Compliant products)| | * Utility bill payment via ATM card| | * Choice of statement frequency (as per Schedule of Charges)| IANAT Account:For customers who are looking for a chequing account that gives them the ease of doing unrestricted number of transactions, we offer Al-Makhraj Ianat Account. With a minimum of only Rs. 10,000, Ianat Account may be opened. With all the features and facilities that this product offers, it is highly recommended for management of business funds. Details of the product are as follows:| | 1| Minimum Initial Deposit: Rs. 10,000| 2| Product to be availed by: Individuals ; Joint Account Holders (Local), Companies, Corporate, Trusts, etc| 3| Additional Features: | | A| Personalized Cheque books| | B| Withdrawal Facility from ATM/ Debit Card| | C| Online deposit as per bank's policy| D| Debit card; Utilities payment via ATM card| | E| Virtual Banking| | F| Call center facilities| | G| Free bank balance certificates (once in 6 months)|   | H| Taking stop payment/ hold mail/ standing instructions|   | I| Issuance of duplicate statement of account (as per Schedule of Charges)|   | J| Choice of statement frequency (as per Schedule of Charges)|   | K| No penalty if balance falls below minimum level. | 4| Banking Network: IBD's Branch only| | Al Makhraj Term Deposit: A mi nimum of Rs. 25,000 is required for investment in Al-Makhraj Term Deposit. Choice of tenors can be made from a list of options namely 1, 3 ; 6 months, 1 or 2years.Profit payment options available to customers are monthly, quarterly and/ or at maturity. Details of the product are as follows: * Minimum Deposit: Rs. 25,000| * Islamic Tools used in designing the product: Mudaraba/ Musharaka| * Tenors Available:1 mth, 3 mth, 6 mth, 1 yr or 2 yrs | * Product to be availed by: Individuals ; Joint Account Holders (Local), Companies, Corporate, Trusts, etc| * Special Advantages: | | * For Customers = Profit Payment Options customized to suit needs of customers; Minimum Deposit requirement’s lower than most banks so it is more accessible/ affordable for people | | * Shariah = Meets requirements for Shariah Compliance | | * Additional Features: | | * Call center facilities| * Taking hold mail/ standing instructions for profit payments etc| | * Personal financial consultancy services (re garding Shariah Compliant products)| Profit Sharing Ratio on Al-Makhraj Account: Profit Sharing Ratio on Al-Makhraj Riba-Free Savings ; Term Deposit   Accounts is: Rabbul Maal (Depositor)|   Ã‚  70%| Mudarib (Bank)|   Ã‚  30%| MCB offers 3 broad Islamic fund based facilities: * Ijarah * Mudarabah * Diminishing Musharika Equipment Ijarah: MCB’s Islamic Ijarah, analogous to the English term ‘leasing’, is based on the ‘Ijarah wa Iqtina’ concept which means the sale of the asset to the lessee (customer) after the Ijarah has matured. Under this scheme, MCB will be the owner of the asset, and you (lessee) will be given the asset to use

An Online MBA Can Help Entrepreneurs Essay Example

An Online MBA Can Help Entrepreneurs Essay Example An Online MBA Can Help Entrepreneurs Essay An Online MBA Can Help Entrepreneurs Essay Starting one’s own business is still very much the American dream; and there are millions of Americans each year who take on the challenge of opening their own personal doors of business and carving out their own place in this country of opportunity. In some cases, these entrepreneurs have considerable experience in a particular industry and parlay that experience into their own business. In other cases, such business owners are drawing upon education only in their quest to build something successful. To this end, there may arise a need to earn a Master of Business Administration – or MBA – to help maximize an entrepreneur’s opportunity for success. The challenge may become, however, how to pursue such a degree while still working the hours necessary to get a business off the ground. Today, however, there are many ways in which to earn a degree such as an MBA – one of which is the opportunity to earn an online MBA. Through the resources provided through the Internet, a variety of colleges and universities are offering the availability of online degree programs – either as stand-alone programs or in addition to an on-campus program. Candidates for an online MBA complete their coursework online at their own leisure so that they are able to fit the program into their already existing work and family schedule. For those who are just starting their own business this flexibility can make all the difference in deciding to pursue a degree. By working at their own pace they are able to further their education and optimize their chances for success in the world of business.

20 Creative Study Methods to Beat the Studying Rut

20 Creative Study Methods to Beat the Studying Rut Sometimes you simply cant imagine studying another subject for another minute. Youve officially given up and refuse to care anymore. You have taken four final exams already and are looking down the barrel of the shotgun thats going to fire off three more finals any second. How do you progress when the thought of sitting down in front of a pile of books and notes makes you want to scream? How do you move beyond apathy to ensure you get the score you really want on that final or midterm exam? Heres how: you get creative. The following list includes 20 different creative study methods that are sure to help heal you of the study blahs. Read Your Chapter Aloud†¦ As a Shakespearean monologue. And if you really want to make it good, speak the Queens English. Everything sounds better in the Queens English. Try it: The quick brown fox jumped over the lazy dog. Sounds better, right? Right.As if you were giving a presidential address. Be sure to have the unmistakable half-fist ready. And Im sure your professor would be happy to give you extra credit if you record this address and put it on YouTube. I am almost positive I heard her saying that yesterday.   In a New Jersey accent. Because, when youre here, youre family. Or else. Play a Game†¦ Like Jeopardy. Convince a really good friend or really interested parent to give you the answers to questions on your study guide. You must provide the questions. Ill take Potent Potables for six, Alex.Like Around the World. Remember that? In a small study group, one person faces off against another and moves around the group until someone beats him or her. Then, that new person moves around the group answering questions. The person who answers the most questions correctly gets a Starbucks gift card! Woo hoo! Draw†¦ Little pictures that represent key ideas in your content. Its easier to remember Maslows Hierarchy of Needs if you draw a banana and a glass of orange juice next to physiological instead of just trying to remember the word alone. Trust me on that one.The same symbols over and over. Circle the main idea in each section. Draw stars next to supporting details in each section. Underline vocabulary words in each section. Draw arrows from causes to effects in each section. Youre honing your reading skills while learning something new. Win-win.A storyboard about the chapter. Reading about the rise of FDR (Franklin D. Roosevelt)? Draw a storyboard that reflects his early political career, the months before his inauguration, and FDRs three-pronged strategy to get elected. Your brain will easily remember the sequence of events much better that way because generally, pictures are worth a thousand word​s. Create†¦ A short story placing yourself in the setting youre studying. Lets say youre learning about Elizabethan England. Or the Civil War. Drop yourself right into a scene and write from first person perspective what you see, hear, feel and want more than anything in the world. Just make sure to make it out alive.A poem related to your topic. Learning Trig? No sweat. The last I heard sin and cosine rhyme. Plus, not all poems have to rhyme. Go free verse on that math. See how many of those terms you can squeeze into some iambic pentameter.A short story following a person that youre learning about. Based on what youve learned about her, what does Mother Teresa do when she discovers a mystery in Kolkata? Incorporate everything youre learning about her into the story. Bonus points if you give the teacher your story for Christmas. Sing a Song†¦ To remember a list. Its truly one of the best ways to remember the Periodic Table of the Elements, although theres no solid reason you should know them cold. Unless, of course, youre a scientist. In which case, youll be getting a quiz later.To get through a particularly tough reading passage. If you sing the passage, it may bring up different phrasing that can help you understand words you may not be getting. Still dont get it? Try one of the summary methods below. Write a Summary†¦ Of the 10 key things you must absolutely remember from the passage on sticky notes. Write them in your own words because theres nothing as silly as remembering someone elses ideas when you have no idea what they mean. Summarize in a way you can understand! Then, put the sticky notes up all around your room or kitchen or bathroom. No one else living in your house will mind. I promise.   Of each paragraph in one sentence, starting at the beginning of the chapter. That little summary of the paragraph is probably the  main idea. Once you have all of the main ideas of the paragraphs, string them together into one little mini-essay. You will be floored how much more you remember of the chapter when you read this way.By turning the chapter headings into questions and then reworking the block of text beneath the chapter headings into answers. Again, use your own words when you write the summaries. Make Flashcards†¦ On apps like Chegg, Evernote or StudyBlue. Many of them will let you add pics and sound, too. Kewl.On 3X5 cards, like your grandmother used. That wasnt an insult. She actually used them. And Grandma knew what she was doing, for your information. By mixing up the kinesthetic action of writing with the visual on the card, your brain learns the info in two different ways. Boom! Teach Someone Else†¦ Like your mom. You know how shes always asking you what youre doing in school? Nows the chance to explain what youve learned in Molecular Biology. Teach her so she really gets it. If you cant explain it in a way she can understand, better hit the books again.Like the people in an imaginary audience. Pretend youre standing in front of a group of thousands who have all shown up (and paid top dollar, by the way) to hear you speak about Romeo and Juliet. Explain the details of this tragedy so anyone listening will understand that Benvolio was Romeos best friend for a reason. Be sure to include the Nurses role, too.

Richard Kuklinski (Iceman) Essay Example | Topics and Well Written Essays - 750 words

Richard Kuklinski (Iceman) - Essay Example The murders he committed and the sufferings he caused in his victims create an image of unbelievable cruelty, which is hardly a sign of normality. However, Kuklinski is not a psychopath in a traditional sense of word. For many years, he was able to conceal his criminal activity behind the veils of almost perfect marriage and family life. What psychopathy is and how it differs from antisocial behaviors is a continued debate. In 1996, Doctor Robert D. Hare wrote an article, which had to expose and explain the criteria for antisocial personality and how they differed for psychopaths. It appears that all psychopaths are necessarily antisocial but not all antisocial individuals are psychotic (Hare). In this sense, Richard Kuklinski (Iceman) is believed to be one of the brightest examples of psychopathy in forensic psychiatry. Several actions Kuklinski did in his crimes lead professionals to believe he is a psychopath. First, the number of his victims is simply enormous: Kuklinski reports having killed at least one hundred of people. Second, Kuklinski recognizes that most, if not all, people he attacked were murdered before he would know them – simply stated, he would kill anyone he did not like at the first glance. Third, Kuklinski turned his asocial quest for murders into the source of considerable profits. Throughout his life, he would trust only his wife and family and profess his love for Barbara and his children (Holmes & Holmes 142). Surprisingly or not, Kuklinski confesses he did not experience any pleasure while committing his murders –throughout his life, sex was his greatest source of satisfaction and pleasure. It is difficult to imagine that a person would commit so many people without any sign of satisfaction with his action. Yet, if Kuklinski is truthful, it only reinforces the picture of his psychopathy. It should be noted that, according to the Five-Factor model of personality, Kuklinski manifests most, if not all, features characteristi c of a psychopath. His neuroticism is extremely low. He creates an impression of being free from any psychological impediments and social disorders. As a psychopathic person, Kuklinski has an ability to put people at ease (Cooke, Forth & Hare 54). Throughout his interview with the psychologist, Kuklinski does not show a single sign of nervousness. Low neuroticism is also the sign of low self-consciousness which is further supplemented with the feeling of low vulnerability to stress and risk (Cooke, Forth & Hare 54). His excessively low anxiousness is one of the best proofs to his psychopathy (Cooke, Forth & Hare 55). Kuklinski does not show any sign of deceptiveness and, unlike many psychopaths, is remarkably stable in his marital relationships (Cooke, Forth & Hare 56). Nevertheless, he demonstrates the signs of antagonistic aggression, low conscientiousness, the need for external stimulation (Cooke, Forth & Hare 56). He is not a psychopath in a traditional sense of word, since he i s able to balance his commitment to deep, prolonged family relationships with coldness and non-emotionality in human relations. It should be noted, that the roots of Kuklinski’s psychopathy date back to his childhood and the episodes of abuse which he experienced from his parents. His father was a railroad brakeman and his mother was a meat packing plant worker (Anonymous). Both parents beat Kuklinski and his brothers. In 1940, Kuklinski’s older brother died as a result of parental violence, but his parents were able to conceal the case from

Falling oil prices are bad for the economy Essay

Falling oil prices are bad for the economy - Essay Example This includes that of United States, which is one of the major consumers of oil and oil related products (Pahl & Anne, 33). This paper argues that the low prices of oil, as they are witnessed currently, are very harmful to the economies of the world. One of the major impacts of the falling oil prices is the destruction of economies that are heavily relying on oil. Examples include the Russia, Venezuela, Iran, and even Saudi-Arabia. In a recent rating of the Venezuelan debt capability, the country was downgraded, and this is because of a drop in the oil prices, by more than 40% (Johnson, 5). This is because the country had a very low level of international reserves and foreign exchange. Furthermore, Venezuela is also experiencing economic declines, and this is because it is unable to pay off its government workers, and offer essential services such as health care services. In fact, President Maduro was able to tour most oil producing countries, in a bid to influence them to reduce the production of oil, but he was unsuccessful. Russia is also another country that is negatively affected by a low price of oil (Johnson, 5). Just as Venezuela, the Russian economy is dependent on oil; as a result, the value of the Russian currency has depreciated. Just as Venezuela, the Russian bonds are trading at a very low price, and this means that the two countries are experiencing a recession. In a recent credit rating of Russia, the rates of defaults were very high, and this means that trading in Russian bonds or debts was very risky. This is an indication that the Russian economy is experiencing a recession, mostly because of oil, and partly because of the economic sanctions that the European Union has placed on Russia. Pahl & Anne (44) explains that cheap oil are not only hurting the economies of states that are relying on the production and exportation of