Porters Five Forces and the Driving Force of Change - Free Essay Example

Sample details Pages: 4 Words: 1070 Downloads: 2 Date added: 2017/06/26 Category Marketing Essay Type Narrative essay Level High school Did you like this example? Porter 5 forces and driving force of change Rivalry among competing sellers High Airlines industry experiences intense competition. It looks like the industry is in the business cycles maturity stage where buyer demand grows slowly and number of competitors appears to maintain the same with equally distributed market shares. In the pre-post airline deregulation era, air routes and price were established by the federal government. After the Deregulation Act of 1978, as the government gave more control power to airline carriers, the industry turned into an aggressive price competition for many reasons. First, airline carriers have very high fixed cost and narrow profit margin. Majority of operation costs come from the cost of planes, gasoline, airports landing fees, high-technology monitoring systems and the needs to meet government safety requirements. Moreover, labor costs for pilots and flight attendants, which are the largest expense according to Air Tra nsportation Association, do not depend much on how many passengers attending on the flights. On the other hand, variable costs for extra gasoline and food per passenger are insignificant. Under these high fix-costs and low variable-costs circumstances, flight carriers are motivated to undercut each others, for sales from every extra seat will go directly to their margin. Second, products of airline industry are weakly differentiated and buyers switching costs are low. Even though competitors try to build up their brand identities, consumers do not respond well with this differentiation strategy. While business travelers, who accounted for 30% of US total travel expenditure in 2013 may consider the total hours spent on flights and transitions, the rest 70% travel expenditure which come from leisure travelers tend to make their purchase choices heavily depended on price factor. Even though the airlines made effort to sustain customer loyalty by the introduction of frequent flier pr ograms, this competitive advantage soon gets less relevant because of similar membership offers and low-cost strategies across the whole industry. Third, consumer demand in airline industry has not totally recovered since September 11 incident. After September 11, 2001, the world enter global recession because of low consumer confidence in spending. Airline industry suffered not only from economic recession but also from consumerà ¢Ã¢â€š ¬Ã¢â€ž ¢s safety concern on flights, which led to huge drop in air traveling. Lastly, significantly high capital investment and advanced technology enable price transparency and comparison also contribute to intensity of the market. Potential new entrants low Airline industry faces low threats in new airline entrants because of large initial capital investment and high cost to meet government regulation. Even though airplanes and the right to use gates could be leased to reduce startup cost burden, the license process is very complicat ed and can take approximately one year. After that, they have to operate under frequent monitor by the Federal Aviation Administration and the Department of Transportation. As the competition is already intense and products offered are not well differentiated, existing incumbents are likely willing and able to contest new entry easily by lowering their price. Moreover, even though buyers switching costs are low, people hesitate to purchase from new brand. Because flight tickets are generally expensive and people give high concern for safety aspect, consumers tend to trust brands that have established for long period of time. It is also worth to pay some attention to the possible threat in the future from foreign competitors. The US government currently forbids foreign airlines to fly domestic routes to protect American jobs. If this restraint is lift off in the future, the competition will become much more intense when consumers are exposed to more options. Substitutes low Consumers can choose other mode of transportation such as car, bus, train or boat to substitute airplane. Advanced technology has made these form of transportation more efficient in domestic travels, especially over short distance. There is switching cost, in which time is the most concern factor, and it varies depending on available routes, time, budget and purpose of travel. Ocean transportation is the least attractive in term of speed concern. Fuel-efficiency technology has recently created more cost-advantage opportunity for ground transportation firms. However, plane is still the fastest and most convenient form of transportation. Beside, advanced technology which enable online business meeting (e.g. Skype) can be counted as substitutes for business-purpose travels. Supplier high The primary suppliers are airplane manufacturers and fuel. There are two dominant airplane manufacturers in the world: Boeing and Airbus, and they account for most of the market share in the worlds aircraft manufacture industry. Because of their monopoly power, they also hold strong suppliers bargaining power to the airline industry. It is very hard for airline companies to switch suppliers. Because planes are very expensive, most companies build long term contracts and have long term loan agreements with their suppliers. It is also extremely difficult for airline companies to establish their own manufacturers dued to the complexity and high capital cost of the products. Airline companies can integrate horizontally with each other to make larger airplane order for larger discount. Aviation fuel suppliers do not pose threat to the industry as the product is a commodity. Aviation fuel price depends on market forces and geographic-political factors. Buyer medium Even though airline services are quite standardized across the industry, which leads to low switching cost, buyers do not have much bargaining power over firms. Ticket websites such as Kayak or Travel ocity enable consumers to browse and compare flight information and prices easily, still people do not have negotiating power on price. On the other hand, transparency in price and readily available information allows airlines companies to easier extract consumer surplus by engaging in price discrimination. Popular routes which are offered by multiple airline carriers and relevant substitutes usually have competitive price, while long-distance flights that have limitation in schedules, hubs and available carriers usually overcharge consumers. Work cited Kost, John M. Effects of Airline Deregulation. [Mackinac Center]. October 19, 1988. Accessed March 18, 2015. https://www.mackinac.org/6358. Cederholm, Teresa. Lower Fuel Price, Merger Success Lift American Airlines in 2014. Successful Merger and Integration Efforts Boost American in 2014. February 24, 2015. Accessed March 18, 2015. https://marketrealist.com/2015/02/successful-merger-integration-efforts-boost-american-2014/. Cederholm, Teresa. The Airline Industrys Growth and Impact on Economic Prosperity. Share of Leisure and Business Travel. December 29, 2014. Accessed March 18, 2015. https://marketrealist.com/2014/12/leisure-business-travel-share-importance-us-travel-expenditure/. Davis, Marc. The Impact Of 9/11 On Business. Investopedia. September 6, 2011. Accessed March 18, 2015. https://www.investopedia.com/financial-edge/0911/the-impact-of-september-11-on-business.aspx 14 CFR Part 121 Air Carrier Certification. 14 CFR Part 121 Air Carrier Certification. Accessed March 18, 2015. https://www.faa.gov/about/initiatives/atos/air_carrier/. Don’t waste time! Our writers will create an original "Porters Five Forces and the Driving Force of Change" essay for you Create order

Distarctions of Cell Phone Use While Operating Motor Vehicles

Shannon Hudak Distractions of Cell Phone Use While Operating a Motor Vehicle Using cell phones while driving are not only dangerous but deadly. We have many distractions while driving, let alone the use of cell phones as well. In this day and age cell phones are used for a variety of things such as text-messaging, internet usage, watching television, e-mailing, faxes, games, and much more. Driving is a privilege, not a right. Many Americans take the technology we have today for granted. Once issued a drivers license it can be revoked for not obeying the laws and this is not the case with cell phone usage while operating motor vehicles. The thing we need to remember is that we all need to be responsible drivers to ensure not only our†¦show more content†¦We need to take a stand on this because so many lives are at stake when driving. Could you imagine getting a phone call that your child, mother, father, sister, brother, aunt, uncle, grandparent, niece, nephew, cousin, or any other family member, or friend had been hit by a driver while they were text ing? Most of us would say â€Å"Oh that will never happen to me† but, when it does, it makes you sit back and think. Anything can happen at any given moment in this life. What would you do if it was you driving and hit your own family member, or friend? It would be devastating. Most of us don’t think of situations that could occur and turn into a tragedy such as this. I have to give a lot of credit to The University of Utah and there research studies in effort to stop this widespread issue of cell phone use while operating a motor vehicle. The University of Utah has conducted many studies to raise the awareness on this epidemic. They have also developed a method to keep drivers from being distracted by cell phones. This method is called Key2SafeDriving. It installs without any tools in seconds. It is something you would have to put money into, but it is well worth it to keep your child or any other relative safe, as well as the other people on the road. It is $99.95 for each device including software for one cell phone. For each additional cell phone there is a $29.95 fee for software. They do offer a thirty-day money back guarantee. This device will alert

Launching a new business Free Essays

Apex International Ltd is a health care product company. The company is about to launch a new product in the market. The health care segment of this company is well renounced with products ranging from medical devices to surgical apparel including sterilization wrap, surgical gloves, surgical drapes and gowns and other medical devices. We will write a custom essay sample on Launching a new business or any similar topic only for you Order Now In an over all sense their products are targeted towards general health and hygiene. Therefore the vision statement would be a logical conclusion to launch a product in alignment with general health and hygiene. At present the mission statement of the company is to expand and occupy global market with a new and ingenious product. This is because to mark an impact in the global market the company must employ a strategy in the parameters of product selection that would enable the company to stand at a distinctive position. This distinctive position would help the company to attain a better market segment. For the purpose, along with a new and effective product, the company needs a group of motivated employees who would be able to execute the laid down strategy by the top management. The company is confident about its present group of employees and is certain that the motivated workers would be able to execute the planning without much specified difficulties. Thus the employees should 1. Follow the laid down principals and strategies closely 2. Understand the need of the potential customers clearly 3. Understand the preference of the potential customers 4. Provide customer service at the highest level Business description The company is set to launch a new product in the line of its existing item but in an updated and creative mode. The business would be spread over a large amount of markets around the world, and would venture into the markets of Asia, especially China. This would be well supported by market segments of other continents like North and South America, Europe and Australia and Oceania. The business would be controlled by the central headquarter situated in each of the countries of operation which would controlled by the Continent Head Office. The supreme negotiations would be done from headquarter situated in New York as it is a predominantly New York based company. Operation requirements    Operation requirements for this project are vivid and intricate. Firstly the management has to development a perfect schedule in terms of production in the line of future market potentials. Secondly, it should be looked upon that every aspects of the potential market segment is evaluated and measured. In the third phase of the operation requirement it should be noted to understand the need and priorities of the targeted customers. Lastly, a core unit should be developed to look into the motivation factors of the employees in the long run. 2. Vision Statement As the general consumer durable health and hygiene related products of Apex International Ltd includes mostly fabric related products or versatile materials that are developed from synthetic fibers it would be a logical conclusion to include a product like a fragranced panty liner for white discharge in this context. At present Apex International Ltd deals in products of personal care such as feminine pads, incontinence products and diapers it would be favorable for them to include panty liners for white discharge in this list of products specifically when the base material of the panty liner for white discharge is aligned with the base material of the other mentioned and related product which is non-woven fabrics. In the context of non-woven fabrics it would be interesting to mention that Apex International Ltd themselves is responsible for manufacturing non-woven fabrics in huge number of grades that are numbered around hundreds. As these grades of non-woven fabrics are already operational for various purposes like spill control, car covers, industrial fabrics, home furnishings and flexible packaging making room for an additional product like fragranced panty liner for white discharge would not include any further fixed or capital cost to the company. As for the market segment part the new product i.e. fragranced panty liner for white discharge would become a market leader world wide when a support system of a company like the Apex International Ltd is applicable. To begin with it would be applicable to mention the need of panty liner for white discharge with a brief detail of white discharge as an ailment. White discharge is regarded as a vaginal discharge that is considered as normal during and after the menstrual period and it varies from woman to woman. It has been estimated that during the period of ovulation the mucous products increase and it has been reported that after the interval of ovulation the amount of white discharge increases by about 30 times. The material is elastic and watery in nature and therefore it is prescribed by the doctors to use panty liners during this time frame of the cycle. One of the most difficult propositions of this material is that it has a very bad odor. Thus to access this market with a significant product the company needs to introduce a product that is 1. Well Fragranced 2. Extremely Hygienic 3. Highly dependable 4. Cost effective 3. Sales, Marketing and Finance management plan Executive summary The marketing strategy of the Apex International Ltd would be to develop a fragranced panty liner for white discharge. Developing a healthy and attractive fragranced panty liner for white discharge would never prove to be very difficult for the company as it is already in operative stage with relative products. Situation Analysis The potential, if the assumable market of this fragranced panty liner for white discharge is taken into consideration, could be substantially huge. It has been estimated that without the use of a normal panty liner for white discharge various symptoms may arise like discomfort, itching or even pain due to formation of fungal infection due to the amount of white discharge. Therefore, panty liners are essential and as it is consumer durable in nature therefore there is no chance of market being exhausted. Moreover, with a better campaigning with the focal point mentioning the betterment and advantages of a fragranced panty liner for white discharge would certainly help the company to occupy the existing market of panty liners by a huge margin. Marketing strategy At present the market segment of the world of panty liners are segregated among numerous companies of which a bulk of the companies represents China. These Chinese companies would be the prime target once Apex International Ltd takes over the manufacture of this new fragranced panty liner for white discharge and makes the product operational. The major reason of targeting China as the premium competitor would be the reason that these companies are basically marginally equipped to compete in the international market. Therefore they should be the primary concern as being the softest targets of all. Secondly, the advantage of the Chinese companies to be able to penetrate into low market segment could well be nullified with the campaigns concerning health issues. Once this has been done a bulk of the customers would be diverted towards the Apex International Ltd’s product of fragranced panty liner for white discharge as there are hardly any individual who would compromise in terms of health issues. This would have an additional advantage for the company. Once penetration is possible within the market occupied by the Chinese companies it would also be possible to inflate the market with other products of the Corporation. This would be a double advantage and a scope of further optimization of revenue. Thirdly, the other plus point enjoyed by the Chinese companies is the ability to penetrate into the markets of different nations all at the same time. Financial projections The amount of customers for this fragranced panty liner for white discharge would be by no means negligible. It has been estimated that about 9 million women visit the gynecological department or the general practitioners each year. This is just the estimation of the United States alone. It would be quite interesting to find out the actual number of potential customers for this new fragranced panty liner for white discharge world wide. That would mean a titanic amount of potential customers waiting for the fragranced panty liner for white discharge if marketing and campaigns are well executed by the Apex International Ltd. (Dollard, 2005) Implementation Control Thus once China is marginalized from the basic market of the fragranced panty liner for white discharge the rest of the market would fall in place with competition on the equal ground with other European, Australian and US companies. Here the main advantage of the Apex International Ltd would be the application of the fragranced panty liner which would drive away other potential competitors from the market and by the time any other company is able to formulate something new like the fragranced panty liner for white discharge the battle for supremacy over the market would belong won by the Apex International Ltd. Therefore it is obvious that a brand new product by the Apex International Ltd would be resulting into a clear winner not only in the local or national level but it is a cut made up for the international level and thus should be treated as a cut above the rest. Reference: Dollard, John Robert R; (2005); The White discharge Syndrome; New University Press; 21-25 How to cite Launching a new business, Essay examples

Elizabeth Barrett Browning Aurora Leigh An Essay Example For Students

Elizabeth Barrett Browning Aurora Leigh An Essay This bestial image places Aurora outside of the social norm and implies patriarchys view of the alterity of the woman artist. In addition, the image of the horse is a very sensual image. In Jungian psychoanalytic symbolism, the horse is linked with human sexuality. It suggests that women who take up the phallic pen and write are guilty of public sexuality and those who indulge in displays of public sexuality lie outside of Victorian society. Lady Waldemar, also views the woman artist in bestial terms, for she refers to Aurora as a lioness. (III.529) Therefore implying that in working as a writer, Aurora is behaving in a wild and uncivilised manner and that she needs to be secured with a trap. (III. 385) In other words, reined in like a wild horse and be forced to conform to Victorian/patriarchal values: to behave as women are expected to behave. Consequently, Lady Waldemar betrays her sex by conforming to the patriarchal view of the alterity of the woman artist: You stand outside,/You artist women, of the common sex. (III. 406/7) In other words, she appears to be suggesting the woman artist behaves like a man and not like a woman. Furthermore, in Lady Waldemars view the woman artist feeds her mind and thoughts, like a man but starves her body and feelings which are equated with femininity: Perhaps by what youre mulcted in, your hearts Being starved to make your heads. (III. 410/11) Lady Waldemar is not suggesting the woman artist is being viewed as a man, but simply displaying male characteristics. In other words, in contrast to Romneys view, Lady Waldemar believes Aurora is starving her heart and not feeling emotions which she equates with the feminine. Instead, Aurora is acting like a man and using her head: thinking and not feeling. Whilst Lady Waldemar accepts that the woman artist is undoubtedly also female, what she is implying is that the woman artist appears to be of both sexes, in other words: asexual. It is the woman artists asexuality that makes her different to the norm as it was perceived to be in Victorian society. It is precisely because Aurora and women artists like her, have entered into the male sphere that both Romney and Lady Waldemar perceive their otherness, their alterity to society which is uncompromising in its view of the sexes and the roles they are supposed to play. Therefore, as I have shown the alternity of the woman writer is shown through the speeches of both Romney Leigh and Lady Waldemar when expressing their views about Auroras writing endeavours. A woman artist is working in a mans world. As far as both Romney and Lady Waldemar are concerned this is an impertinence because in Victorian society working as a writer is viewed to be a mans prerogative. Romney believes women do not have the capacity to feel emotion for the wider and more important issues, whereas Lady Waldemar believes Aurora is focussing on her capacity to think, viewed as a male trait, as opposed to feeling, which Lady Waldemar sees as the female trait. Both Romney and Lady Waldemar use bestial imagery to describe Aurora suggesting she is outside of what is considered normal by Victorian society. Lady Waldemar perceives Aurora as neither man or woman, but as asexual because she appears to embody both sexes in one being. This difference to the norm is what defines the woman artist in her state or condition of otherness.

To what extent is this a true description of Twelfth Night Essay Example For Students

To what extent is this a true description of Twelfth Night Essay I believe that Twelfth Night is a satirical fantasy comedy with an outrageously improbable plot that depends on the imagination of the audience. The implausible situations and unrealistic coincidences require a suspension of disbelief to revel in the entertainment value of the play. The comedy engages in real life themes, such as love, mistaken identities, ambition, homoeroticism, and deception, but although seemingly conceivable, these themes are exaggerated to a point of scepticism. I thoroughly agree that Twelfth Night is ‘a joyful fantasy full of impossibilities’, as although there are undoubtedly plenty of points in the play when the situation seems too unlikely to believe, there are also parts of the plot which emphasize the believable realism in the play and prevent it from being purely an escapist play. Shakespeare achieved prominence during the Elizabethan period when society was in an epoch of socio-political security and respect for the arts. The ‘twelfth night’ in the play’s title is an unambiguous reference to January 6th, the final night of the twelve day long Christmas season. We will write a custom essay on To what extent is this a true description of Twelfth Night specifically for you for only $16.38 $13.9/page Order now This ‘twelfth night’ was seen as a time of wild revelry and mayhem, and when social and sexual freedom could be freely contravened. Shakespeare’s Twelfth Night was inspired by this occasion, in which temporary sexual independence and social release is clearly shown (i. e. : Viola’s mistaken gender). Furthermore, the title of this play has no relevance to the actual storyline, and so suggests that this playwright is something to help you escape from the unhappiness of real life. The sub-title, ‘What You Will’ suggests that we can interpret the play individually so as to not take the plot too seriously. Attitudes to Puritanism were particularly negative in Shakespeare’s time, as a number of people sought to purify England of catholic religious ceremonies – which threatened the Christmas tradition. Puritans wanted rid of all arts and moral beliefs, as they felt it was incompatible with a properly reformed Christianity. In Twelfth Night, Malvolio exemplifies Puritanism, as he is regularly called a Puritan by the other characters because of his self love. Therefore, the character’s pranks at his expense are more political than their outside appearance of playfulness and innocence suggests. Shakespeare’s plays were written to be performed to an audience that were full of different types of people. Among the audience would be different social classes and people with different levels of intellect. Twelfth Night contains unpretentious characters who appeal to the working class, and the complex plot appeals to the upper class in the audience. Twelfth Night is set on a fantasy island named Illyria where the improbable is probable, and the plot is so absurd that the character’s worlds in relation to ours are literally opposite. The audience would have enjoyed watching a play that has no relevance to their real lives, as people went to the theatre to escape and have a good time, so the plot would have made them forget about their troubles. Fabian sums up the fantasy element well in Act 3 Scene 4, ‘If this were played upon a stage now, I could condemn it as an improbable fiction. ’ Shakespeare has used dramatic irony here to involve the audience in the play as it would have been humorous as the playwright is in actual fact being acted upon a stage. The structure of Twelfth Night contributes to the meaning of the play – it’s what you make it mean to you. It is made up of establishing character relationships (mostly done through absurd arguments), the building up of theatrical tension (which brings all the conflicts to a climax), and understanding the plot. Shakespeare carefully set out the scenes in an order that we can understand, but also to create tension and hilarity between the different moods of each scene. Each scene prepares us for the next one, and we are given crucial information throughout the play, so the already know. In Act 1 Scene 1, the theme of unrequited love is introduced right at the very start of the play. Although this is a serious issue in contrast to the rest of the play, it enables us to find out about Orsino and leaves us unexpected for a humorous scene. Orsino opens the play with a speech: ‘if music be the food of love, play on’. The speech is a metaphorical relation of music and love; where Orsino relates music to food and overindulgence of music to eating. Ultimately he is wishing that listening to too much music would kill his desire for love. The music that Orsino is listening to pleases him at first, and he compares the music to ‘the sweet sound’ (signifying a breeze), that picks up the smell of flowers (‘that breathes upon a bank of violets’). Orsino then contrasts love, which he portrays as stealing away the value of things, and the sea, which transforms things. ‘O spirit of love, how quick and fresh art thou, that, notwithstanding thy capacity, receiveth as the sea, nought enters there, of what validity and pitch soeer’. He then continues his figurative relation of love with appetite; he states that love is ‘quick and fresh’, meaning keen and hungry, and takes in more than its capacity to swallow. ‘So full of shapes is fancy’, Orsino continues , relating all the many things that love swallows up to loves power to be imaginative and fantastical. He is portraying that your mind is so occupied by love that everything that used to matter no longer does. Orsino is speaking in verse throughout this; showing that he is a noble character who is important. This use of verse contributes to the mood of the scene because he is talking about unreciprocated love, and verse is often used by Shakespeare when exploring this theme. This use of characterisation for dramatic effect is very useful, as Shakespeare has expressed Orsino as a ‘lovesick puppy’. Shakespeare also wrote his lines using iambic pentameter ‘if music be the food of love, play on’. This gets across the idea that Orsino wants to overindulge in music so it kills his desire for love because he is suffering from the pangs of unrequited love. Orsino repeatedly leads his conversation back to the topic of love; when his servant Curio asks him if he will go hunt a ‘hart’ (the pun on heart). ‘Will you go hunt, my lord? ’ ‘What, Curio? ’ ‘The hart. ’ Orsino answers by speaking of his heart, but then relates the topic of hunting to his lonely state. He then refers to Ovid’s account of Actaeon, who was punished for seeing the goddess Diana naked by being made into a hart, and then attacked by his own dogs. Another indication to Ovid is made when Orsino refers to the ‘rich golden shaft’ of Cupid’s arrow that will strike Olivia and make her love him, as according to Ovid, Cupid caused love with an arrow which was keen, sharp, and made of gold. The language that Orsino uses in this scene is full of deceit, but it also indicates his ability for strong emotions and heartiness. Orsino is yearning for love, but the way that Shakespeare has wrote his lines make his feelings sound urgent, as the imagery of him being torn apart by hounds (Ovid’s account of Actaeon), expresses the great impact that his emotions have on him. This shows that Orsino is determined to woo Olivia, but he doesn’t change who he loves hastily, in contrast to how his moods change. ‘Enough, no more, tis not so sweet as it was before. ’ This suggests that his moods vary all the time, as at first he was asking for music to be played, and then he asked them to stop playing it. Orsino feels very deeply about Olivia; ‘O when mine eyes did see Olivia first, methought she purged the air of pestilence’. This is a reference to the Elizabethan belief that illnesses was caused by miasma. Orsino also says ‘when liver, brain and heart, these sovereign thrones, are all supplied and filled, her sweet perfections, with one self king. ’ This means that Orsino wants Olivia’s passion, reason and emotion centred on him. When Viola is first introduced, she learns that she has been rescued from the shipwreck by the captain, and tells us that ‘my brother he is in Elysium’. Viola is continuing the mythological allusions started by Orsino, by referring to ‘Elysium’ (heaven), and Illyria. The two names of the places help to contrast the difference between the two places. In my opinion, it’s almost as if Elysium is a peaceful place with order, whereas Illyria is chaotic and the unthinkable manages to happen. Viola tries to be optimistic about the possibility of her brother Sebastian drowning in the shipwreck, as she says ‘perchance he is not drowned’. However, the captain then plays on her use of ‘perchance’ by saying ‘it is perchance that you yourself were saved’. I. e. : it is an accident that you were saved. The captain then exclaims ‘like Arion on the dolphin’s back, I saw him hold acquaintance with the waves’. This conjures up the image of Sebastian being carried to shore on a dolphin’s back, therefore being saved. The dialogue between Viola and the Captain is in verse, suggesting respect and that they are important characters in the play. In this scene, the gentle and hopeful side of Viola is shown, as although she fears she has lost her brother, she has hope for him, therefore she tries her best not to succumb to grief. In contrast to Orsino’s poetic tone and exaggerated imagery, Viola’s lines are more plain and straight forward, representing anguish but also her sensibility. There is fair behaviour in thee, captain. ’ .u85e6c45a1715f2c8fcc4ec7c59209257 , .u85e6c45a1715f2c8fcc4ec7c59209257 .postImageUrl , .u85e6c45a1715f2c8fcc4ec7c59209257 .centered-text-area { min-height: 80px; position: relative; } .u85e6c45a1715f2c8fcc4ec7c59209257 , .u85e6c45a1715f2c8fcc4ec7c59209257:hover , .u85e6c45a1715f2c8fcc4ec7c59209257:visited , .u85e6c45a1715f2c8fcc4ec7c59209257:active { border:0!important; } .u85e6c45a1715f2c8fcc4ec7c59209257 .clearfix:after { content: ""; display: table; clear: both; } .u85e6c45a1715f2c8fcc4ec7c59209257 { display: block; transition: background-color 250ms; webkit-transition: background-color 250ms; width: 100%; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #95A5A6; } .u85e6c45a1715f2c8fcc4ec7c59209257:active , .u85e6c45a1715f2c8fcc4ec7c59209257:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #2C3E50; } .u85e6c45a1715f2c8fcc4ec7c59209257 .centered-text-area { width: 100%; position: relative ; } .u85e6c45a1715f2c8fcc4ec7c59209257 .ctaText { border-bottom: 0 solid #fff; color: #2980B9; font-size: 16px; font-weight: bold; margin: 0; padding: 0; text-decoration: underline; } .u85e6c45a1715f2c8fcc4ec7c59209257 .postTitle { color: #FFFFFF; font-size: 16px; font-weight: 600; margin: 0; padding: 0; width: 100%; } .u85e6c45a1715f2c8fcc4ec7c59209257 .ctaButton { background-color: #7F8C8D!important; color: #2980B9; border: none; border-radius: 3px; box-shadow: none; font-size: 14px; font-weight: bold; line-height: 26px; moz-border-radius: 3px; text-align: center; text-decoration: none; text-shadow: none; width: 80px; min-height: 80px; background: url(https://artscolumbia.org/wp-content/plugins/intelly-related-posts/assets/images/simple-arrow.png)no-repeat; position: absolute; right: 0; top: 0; } .u85e6c45a1715f2c8fcc4ec7c59209257:hover .ctaButton { background-color: #34495E!important; } .u85e6c45a1715f2c8fcc4ec7c59209257 .centered-text { display: table; height: 80px; padding-left : 18px; top: 0; } .u85e6c45a1715f2c8fcc4ec7c59209257 .u85e6c45a1715f2c8fcc4ec7c59209257-content { display: table-cell; margin: 0; padding: 0; padding-right: 108px; position: relative; vertical-align: middle; width: 100%; } .u85e6c45a1715f2c8fcc4ec7c59209257:after { content: ""; display: block; clear: both; } READ: I intend to reveal and display Romeo's emotional and psychological changes EssayAlthough Viola has never met the captain before, she assumes he has a fair and outward character because he offers to help her disguise herself as Sebastian, which ties in with the absurdity of mistaken identities. Viola feels sorry for Olivia as she too is experiencing the same thing as Olivia. The fact that they are both mourning their brothers creates a bond of sympathy between them, which is why Viola wishes to serve Olivia. ‘O that I served that lady and might not be delivered to the world, till I had made mine own occasion mellow, what my estate is. This compassion for Olivia is understandable even though they haven’t met each other, and Viola’s caring nature towards her is shown later in the play when she is disguised as Cesario. Shakespeare’s use of characterisation portrays Viola as a complex character who is independent, intelligent, and resourceful. The first sign of fantasy is when Viola turns up at Orsino’s palace as a Eunuch, and Orsino agrees to let ‘Cesario’ wait on him. Orsino himself speaks of how close they have grown; ‘I have unclasped to thee the book even of my secret soul’. This speech uses the metaphor of an unclasped book as personal secrets. The idea that he has shared it with a servant who has only been there for three days suggests that there is a bond between them, and Viola (Cesario), ends up falling in love with Orsino. This shows how much trust he shares with Cesario. Without realising, Orsino states the truth about Viola’s disguise, which again adds to the unbelievable plot. ‘thy small pipe is as the maiden’s organ, shrill and sound, and all is semblative a woman’s part. ’ This statement would have been very effective for the audience as it is full of dramatic irony, because Orsino has already guessed the truth about Viola without knowing it. It would be effective for the audience because they know who Cesario is and it seems more than coincidental that Orsino could guess as good as that. Orsino asks Viola to go to Olivia and tell her of Orsino’s love for her; he believes that Cesario, being youthful and handsome will succeed. Viola says she will obey, although she confesses aside that she already feels love for Orsino, and would rather be his wife than try to woo Olivia for him. ‘Yet, a barful strife. Whoe’er I woo, myself would be his wife. This suggests that doing this for Orsino is practically impossible, with play on the word ‘strife’ which refers to both hard labor and Viola’s war within her. When Cesario finally gets to tell Olivia how Orsino feels about her, the theme of false love is introduced. At the start of Twelfth Night, Olivia exclaimed, ‘the element itself, till seven years’ heat, shall not behold her face at ample view’. This means that Olivia will keep her face veiled for seven hot summers, and this is suggested to be because she is mourning the death of her brother and father. However, Olivia contradicts herself when she ‘falls in love’ with Cesario, ‘even so quickly may one catch the plague? ’ This conjures up the image of Olivia catching the disease of love. This is ironic because at the start of the play, Orsino said that she ‘purges the air of pestilence’, referring to Olivia as cleansing the air of disease. However, when Olivia says this, she’s saying she ‘caught’ the disease of love. This would have shocked the audience greatly as Olivia told everyone she would see no man for seven years, and suddenly, a young man she likes the look of turns up and she is in ‘love’. This is unrealistic, as it is very unlikely that Viola would be able to dress as a man, yet still talk like a woman, especially as Olivia still finds her attractive and so falls in love with her. Furthermore, it is implausible that Olivia could change her mind so quickly – she fell in love right away which doesn’t happen in real life. I don’t think that this scene is supposed to sound joyful and funny because of Shakespeare’s use of verse, which makes it more serious especially as the theme of love is being portrayed again. A major theme is shown at this point in the play – how Olivia and Orsino are both changed by their relationships with Viola. Before meeting Viola, Orsino spoke poetically but also expressed his artificial love for Olivia, however, after he meets Viola he gets straight to the point, sharing with Cesario the extent of his love for Olivia and his plans to woo her. In Olivia’s first encounter with Viola, her shows of mourning are suddenly forgotten, and Olivia must use her wit to deal with Viola. In Act 2, Scene 2, Viola notices what the audience have perceived the whole time – the irony of the situation she’s in. She sees that Olivia is in love with her disguise Cesario, but Viola realizes how problematic her disguise will be because it restricts her from telling Orsino how she feels about him. She states ‘as I am man, my state is desperate for my masters love’; but that, ‘as woman what thriftless sighs shall poor Olivia breathe! ’ Viola also considers how Olivia could fall in love with Cesario so quickly; and metaphorically compares women’s hearts to sealing wax. ‘She made good view of me, indeed so much that sure methought her eyes had lost their tongue. This means that Olivia liked what she saw of Cesario which left Olivia tongue tied – this shows how quickly Olivia fell for Cesario. Act 1, Scene 3 involves the sub plot, which includes the characters Sir Toby Belch, Sir Andrew Aguecheek, and Maria. This scene is spoken in prose as it is a light hearted scene with less important characters. The language involved in this scene is mostly literal misunderstandings, quibbles, and wordplay, that a lot of the characters don’t understand themselves. The comedy and unrealistic theme is portrayed right at the start, as Sir Toby attempts to introduce Sir Andrew to Maria. Sir Andrew addresses Maria as ‘a fair shrew’ which is laden with contradiction because he didn’t intend the statement to sound nasty. However, it did because ‘shrew’ refers to an ill-tempered woman who wouldn’t be addressed as ‘fair’. This shows that Sir Andrew is fundamentally a misunderstood character who interprets things as they are not meant to be – he is portrayed as a fool. Sir Toby tells Sir Andrew to ‘accost’ Maria, meaning to greet her, but Sir Andrew asks what ‘accost’ means and Sir Toby takes this as him asking who Maria is. Sir Andrew then wrongly assumes that her name is Miss Mary Accost, and then Sir Toby has to explain what ‘accost’ means. Although Sir Andrew is not very good at perceiving what people mean, he does get the impression that Maria thinks the two of them are fools; ‘do you think you have fools in hand’. Although Sir Andrew wanted it to mean are you in the company of fools, Maria takes it literally and answers ‘I have not you by th’ hand’, which shows her poor opinion of them both. Sir Andrew being a fool takes this the wrong way and gives her his hand to shake. Sir Toby and Sir Andrew then go on to exchange ridiculous things, and therefore they would have both appealed to the audience because they are very entertaining and foolish. Shakespeare’s use of characterisation here leaves the audience believing that Sir Toby and Sir Andrew are irrational characters who are very easily confused. Act 1, Scene 5 is when Feste the jester is introduced which although includes the fantasy element, also shows the darker side of the play. Feste is the only character who is allowed to speak out of term to someone higher than him (although Malvolio regards himself as being able to do this too). This is because as a jester, you were allowed to be a fool and speak out of term, and so Feste does. Feste is part of the main plot and the sub plot, as he links both the plots together, and the play wouldn’t be a comedy without him. Feste is allowed to mock other characters and make humorous jokes and use puns, because of his role in Olivia’s household. It becomes clear that Feste ridicules characters when he is convinced to join in with revenge on Malvolio. In scene 5, Olivia and Feste exchange wit, leading to Olivia being shown up. The more fool, Madonna, to mourn for your brother’s soul being in heaven. Take away the fool, gentlemen. ’ Feste argues that Olivia is the greater fool as she mourns her dead brother instead of rejoicing that he is in heaven. Olivia plays off of Festes false wit about a drowned man, a fool, and a madman with ease, as Feste is playing on words. When Feste confronts Olivia, he speaks in a mock-religious tone and would-be saying s. For example, ‘God give them wisdom that have it, and those that are fools, let them use their talents’. .u5e43d3cbd76fb1b731d828563c4a7e55 , .u5e43d3cbd76fb1b731d828563c4a7e55 .postImageUrl , .u5e43d3cbd76fb1b731d828563c4a7e55 .centered-text-area { min-height: 80px; position: relative; } .u5e43d3cbd76fb1b731d828563c4a7e55 , .u5e43d3cbd76fb1b731d828563c4a7e55:hover , .u5e43d3cbd76fb1b731d828563c4a7e55:visited , .u5e43d3cbd76fb1b731d828563c4a7e55:active { border:0!important; } .u5e43d3cbd76fb1b731d828563c4a7e55 .clearfix:after { content: ""; display: table; clear: both; } .u5e43d3cbd76fb1b731d828563c4a7e55 { display: block; transition: background-color 250ms; webkit-transition: background-color 250ms; width: 100%; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #95A5A6; } .u5e43d3cbd76fb1b731d828563c4a7e55:active , .u5e43d3cbd76fb1b731d828563c4a7e55:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #2C3E50; } .u5e43d3cbd76fb1b731d828563c4a7e55 .centered-text-area { width: 100%; position: relative ; } .u5e43d3cbd76fb1b731d828563c4a7e55 .ctaText { border-bottom: 0 solid #fff; color: #2980B9; font-size: 16px; font-weight: bold; margin: 0; padding: 0; text-decoration: underline; } .u5e43d3cbd76fb1b731d828563c4a7e55 .postTitle { color: #FFFFFF; font-size: 16px; font-weight: 600; margin: 0; padding: 0; width: 100%; } .u5e43d3cbd76fb1b731d828563c4a7e55 .ctaButton { background-color: #7F8C8D!important; color: #2980B9; border: none; border-radius: 3px; box-shadow: none; font-size: 14px; font-weight: bold; line-height: 26px; moz-border-radius: 3px; text-align: center; text-decoration: none; text-shadow: none; width: 80px; min-height: 80px; background: url(https://artscolumbia.org/wp-content/plugins/intelly-related-posts/assets/images/simple-arrow.png)no-repeat; position: absolute; right: 0; top: 0; } .u5e43d3cbd76fb1b731d828563c4a7e55:hover .ctaButton { background-color: #34495E!important; } .u5e43d3cbd76fb1b731d828563c4a7e55 .centered-text { display: table; height: 80px; padding-left : 18px; top: 0; } .u5e43d3cbd76fb1b731d828563c4a7e55 .u5e43d3cbd76fb1b731d828563c4a7e55-content { display: table-cell; margin: 0; padding: 0; padding-right: 108px; position: relative; vertical-align: middle; width: 100%; } .u5e43d3cbd76fb1b731d828563c4a7e55:after { content: ""; display: block; clear: both; } READ: Femme Fatale EssayHe addresses Olivia as ‘Madonna’, which shows his upmost respect for her, as it means ‘my lady’. It is ironic that Feste is mocking religion here, yet later he taunts Malvolio disguised as a cleric. This would have appealed to the audience because it makes them feel like they know more than what the characters know about each other. Shakespeare’s use of characterization portrays Feste as a witty fool, who has the authority to be rude to those higher than him. Malvolio is established at an early point through Olivia’s perceptiveness. ‘You are sick of self-love, Malvolio’. Olivia says this and the audience realize that this is said only after a brief appearance of Malvolio. Although Malvolios vanity, arrogance, and self-deceptive qualities are not clearly shown at this point, Olivia talks about them and her judgment of him proves correct. However, Malvolio is easily manipulated later in the play as the conspirators sought revenge on Malvolio. After Maria wrote the note from ‘Olivia’ to Malvolio claiming her love for him, Malvolio regards himself as the person that the letter is implying. ‘M. O. A. I. doth sway my life’ M – Malvolio – M – why, that begins my name’, this suggests that Malvolio is taking everything from the letter and applying it to him – he wants Olivia to love him because he loves her. Feste, Maria, Sir Toby, and Sir Andrew played this trick on Malvolio because they are sick of his pompous regard for himself and his sick self love (Puritanism). He thinks he is in a higher position that what he really is, ‘to have the humour of state; and after a demure travel of regard, telling them I know my place as I would they should do theirs, to ask for my kinsman Toby’. This suggests that Malvolio would enjoy being in authority to tell the other character off, as he would gravely scrutinize those around him and look down upon them. However, Malvolio is no more than a steward for Olivia. Sir Toby, Sir Andrew, and Maria manage to convince Olivia that he is mad (a recurring theme in the play), after turning up after Olivia’s beckoning wearing yellow stockings and smiling inhumanely. Malvolio is imprisoned as Feste takes the role of ‘Sir Topaz’, and convinces Malvolio that there’s ‘no darkness but ignorance’ – which makes Malvolio believe that he is mad, which is revenge for being his pompous self. This highlights the moral and philosophical significance of the play as it demonstrates how arrogant Malvolio can be. When he is imprisoned some of the audience will start to feel sympathy towards Malvolio as he is portrayed as being deeply disturbed by the experience. In my opinion, it’s unlikely that Malvolio would have fallen for the trick in the first place, and then it seems implausible that Olivia would allow her best steward to be locked up without enquiring his behaviour. I believe that the ending of the play is ludicrous – the events are so implausible because life doesn’t wrap up nicely like that. Antonio arrives saying that Sebastian has been in his company for three months, and Orsino states that Cesario has been in his company for three months also. Shakespeare has created a lot of dramatic irony in Act 5, which is used to build up the tension to Olivia’s revelation about her marriage, and the reunion of Viola and Sebastian. The audience themselves know that Olivia has married Sebastian, and that both Sebastian and Viola are alive, but there is suspense throughout the audience as they wait for the characters to find out the truth and resolve the issues. Shakespeare also used the dramatic irony of this scene to provide some laughs for the audience whilst some of the characters share their deepest emotions. Viola is arguing with Olivia who then claims they’re married, which Viola knows nothing about, however the audience know what’s happened. Olivia is extremely upset by Viola although the twin is genuinely confused. ‘Give me thy hand, and let me see thee in thy woman’s weeds. ’ This implies that Olivia doesn’t really believe what she’s being told – she wants to see ‘Cesario’ in her woman’s clothes to prove that she’s really Viola. The situation becomes even more unbelievable when Orsino becomes angered about what Viola supposedly did, and the actions of the characters are very dramatic although the audience would have found this very humorous. ‘O thou dissembling cub! ’ This shows Orsino’s anger towards the situation as he implies that either Olivia or Viola are lying – he is genuinely angered at the thought of his servant marrying someone he loves – which is understandable. Shakespeare has combined tragedy and comedy because of the grief of Orsino and Olivia but the happiness of Sebastian and Viola. However, the most un coincidental part of the play in my opinion is when Sebastian and Viola finally meet. Before this moment, Sebastian had no idea that Viola was alive and so is in a state of disbelief when he sees her dressed as him. ‘Were you a woman, as the rest goes even, I should my tears let fall upon your cheek, and say ‘Thrice welcome, drowned Viola’. This implies that Sebastian is truly surprised to see his sister alive. Viola on the other hand is calmer because after her encounter with Sebastian had led her to believe that maybe her brother was alive, although there is still great heartfelt emotions at this point. Of Messaline; Sebastian was my father. Such a Sebastian was my brother too. ’ This shows that Viola is keeping calm and composed even though her brother is actually alive. Malvolio is then re-introduced and Viola reveals that Malvolio has imprisoned the sea captain that saved her, who has possession of her things. Malvolio speaks with c omposure and in verse for the first time in the play. He doesn’t appear bewildered – instead he is looking for vengeance for the wrong which was done upon him by Olivia as he believes. However Olivia has done nothing to her steward, so she defuses the situation carefully and promises him justice. However, Feste then explains the situation which angers Malvolio. Feste mocks what Malvolio had told ‘Sir Topaz’ and Malvolio’s disdainful comments to him and Sir Toby after he catches them making a nuisance of themselves late at night. Feste lets known his resentment towards Malvolio in front of all the other characters, and criticises Malvolio. Malvolio swears ‘I’ll be revenged on the whole pack of you’, and places the blame on the other characters therefore feeling pompous again. This is another example of the moral and philosophical relevance as it portrays Malvolio’s comeuppance – e. g. : what comes around goes around. Despite the trick played upon him, Malvolio still doesn’t learn from his mistakes even at the end of the play – which is too astonishing to comprehend – he was tricked, accused of being mad, then locked up, and still he doesn’t learn that how he treats people is wrong. Festes statement about how his enemies tell me plainly I am an ass, so that by my foes, sir, I profit in the knowledge of myself, could be because he is trying to get Malvolio to realize his mistakes. Yet again, this is more use of moral content because Feste, the jester, is trying to get Malvolio to accept what he did – although jesters are meant to be fools. The relationship between Sir Toby and Sir Andrew is also unresolved at the end of the play; their last appearance has Sir Toby swearing at Sir Andrew, and apparently quitting Sir Andrews company. All of this going on around them gives Sebastian and Viola time to work through their undoubtedly passionate feelings about each other and actually understand what happened to them. Sebastian renews his pledge to Olivia and they remain married, and Viola and Orsino end up marrying. This is total fantasy because before this Orsino thought Cesario was a man, and now he knows who Cesario really is he suddenly loves her – which is far-fetched. However, although Orsino closes the play on a happy note with an optimistic statement about the ‘golden time’ the newlyweds are about to enjoy, Feste sings a song that ruins the possibility of a completely happy and perfect ending, reminding us that the play has ended and now you have to go back to reality. It talks of the sad life of actors, jesters, and humans in general, but he declares that he and his fellows will continue trying to make the audience laugh. In conclusion, I thoroughly agree that Twelfth Night is ‘A joyful fantasy full of impossibilities’, because I believe that the play is mostly fantasy with many unfeasible events, however, themes such as unrequited love, cruelty, grief, and friendship are all portrayed, which restricts it from being total fantasy.

Astatine Facts - Periodic Table of the Elements

Astatine Facts - Periodic Table of the Elements Atomic Number 85 Symbol At Atomic Weight 209.9871 Discovery D.R. Corson, K.R. MacKenzie, E. Segre 1940 (United States) Electron Configuration [Xe] 6s2 4f14 5d10 6p5 Word Origin Greek astatos, unstable Isotopes Astatine-210 is the longest-lived isotope, with a half-life of 8.3 hours. Twenty isotopes are known. Properties Astatine has a melting point of 302Â °C, an estimated boiling point of 337Â °C, with probable valences of 1, 3, 5, or 7. Astatine possesses characteristics common to other halogens. It behaves most similarly to iodine, except that At exhibits more metallic properties. The interhalogen molecules AtI, AtBr, and AtCl are known, although it has not been determined whether or not astatine forms diatomic At2. HAt and CH3At have been detected. Astatine probably is capable of accumulating in the human thyroid gland. Sources Astatine was first synthesized by Corson, MacKenzie, and Segre at the University of California in 1940 by bombarding bismuth with alpha particles. Astatine may be produced by bombarding bismuth with energetic alpha particles to produce At-209, At-210, and At-211. These isotopes can be distilled from the target upon heating it in air. Small quantities of At-215, At-218, and At-219 occur naturally with uranium and thorium isotopes. Trace amounts of At-217 exist in equilibrium with U-233 and Np-239, resulting from the interaction between thorium and urainuam with neutrons. The total amount of astatine present in the Earths crust is less than 1 ounce. Element Classification halogen Melting Point (K) 575 Boiling Point (K) 610 Covalent Radius (pm) (145) Ionic Radius 62 (7e) Pauling Negativity Number 2.2 First Ionizing Energy (kJ/mol) 916.3 Oxidation States 7, 5, 3, 1, -1 References: Los Alamos National Laboratory (2001), Crescent Chemical Company (2001), Langes Handbook of Chemistry (1952), CRC Handbook of Chemistry Physics (18th Ed.) Â   Return to the Periodic Table

Behaviorism Essay Example | Topics and Well Written Essays - 3000 words

Behaviorism - Essay Example It is built upon certain observed characteristics of adults, which affect the way in which they learn and relate new information (Knowles et al, 2005). Due to the distinguishing characteristics of adult learners, certain psychological theories must be applied in order to maximise on learning potential which requires several actions to be taken, such as assessing the current state and needs of the learner, defining the end goal of instruction, and creating a systematic instructional format based upon this. To succeed, it is dependent upon pedagogically tested psychological theories, the principal approaches being behaviourism, cognitivism and constructivism. Primarily characterised by their individual interpretations of what constitutes ‘learning’ and how it occurs, these approaches provide instructors with verified strategies and techniques for facilitating learning. This essay will discuss the defining characteristics and necessary conditions for adult learning as postu lated by theorist Malcolm Knowles. It will then examine behaviourism, cognitivism and constructivism as general approaches to learning with particular emphasis on the superiority of constructivism in this context and how it can be applied to adult learning. One of the central principles which surround the teaching of adult learners is that of individual experience. â€Å"As a person matures he accumulates a growing reservoir of experience that becomes an increasing resource for learning† (Smith, 2011). Unlike children, adults have inevitably built up a wealth of personal experience which can be utilized in a way which can help learning, such as relating new information to previous experience, recalling previous experience, and/or using familiar examples to apply learning to unfamiliar concepts. Teaching strategies which build upon experiential learning will be an extension of everyday life (Knowles et al, 2005). Adult learners partake in a process which sees them reflect, dra w inference from and conceptualize, based upon previous individual experience. As this wealth of experience is seen as the richest resource of information for the learner, it must be pointed out that individual experience is fundamentally biased and of an entirely subjective nature. This implies that new information may be interpreted in different ways, which can be advantageous as it allows for new ideas and opinions, but can also have its disadvantages regarding personal bias. A second principle which is determined to be of special significance to adult learning is that of the self-concept. Within the paradigm of learning, self-concept relates to the movement of an individual’s perception of themselves as a self-directed person rather than being dependent upon others. Adults are viewed as being responsible and fully accountable for their own decisions and therefore must be treated as autonomous learners. Due to this perspective, autonomy is seen as vitally important for thi s theory. In its broadest sense, self-directed learning describes a set of actions in which potential learners take the initiative in identifying their learning needs and goals, and evaluating learning outcomes. The steps involved in working through such a process have generated several model which have since been re-imagined into a more interactive design which takes into account the nature and contextual elements of the learning (Cooper, 2009). Readiness to learn, or motivation to learn, is another

The knowledge level and attitudes of pregnant women in passing on Research Paper

The knowledge level and attitudes of pregnant women in passing on sickle cell disease - Research Paper Example The paper tells that sickle cell anemia is an inherited blood disease where the body makes sickle-shaped red blood cells containing abnormal hemoglobin. Sickle cells are stiff and sticky and tend to block blood flow in the blood vessels of the limbs and organs. Blocked blood flow causes serious infections, pain, and organ damage. Patients are born with it. People who inherit a normal gene from one of the parent and sickle hemoglobin gene from the other parent exhibit a sickle cell trait. People with a sickle cell trait do not have Sickle cell anemia but have one gene that causes the disease. Approximately 2,500 people have sickle cell anaemia. This disease is now prevalent among pregnant women. A study on sickle cell anaemia in pregnant women is very significant for it will impart knowledge on this condition in relation to the woman’s and the in-born child’s health. However, the study is challenging as people have very little knowledge on this disease. The study seeks t he relevance between the level of knowledge and the attitudes of pregnant women with the sickle cell trait from the Mississippi Delta and the sickle cell disease. To achieve this, the researcher will rely on an interview done in Mississippi Delta on Africa-American pregnant women and other relevant literature. Age, marital status, economic status, occupation, and level of education are some of the demographic variables the researcher used. According to the interview, only 20% of the respondents have enough knowledge about the sickle cell trait. ... This implies that there is very little knowledge on the sickle cell trait hence the increased spread of sickle cell anaemia from pregnant women to their inborn children. Contents Contents 4 Background 6 Problem Statement 7 Purpose 8 Research Questions 8 Philosophical Basis 8 Definitions 10 Summary 11 Introduction 12 Concept Development 14 Major Related Studies 15 Summary 17 Study Design 19 Sample 19 Inclusion criteria 19 Interviews 20 Data Collection Plan 20 Ethical Considerations 21 Data Analysis Plan 22 Stage 1 22 Stage 2 22 Stage 3 22 Stage 4 23 Stage 5 23 Stage 6 23 Stage 7 23 Strategies for Rigor and Validity 24 Summary 25 REFERENCES 26 Introduction 32 Demographics of the Sample 32 Major Themes 33 Summary 35 Introduction 37 Limitations 39 Summary 41 REFERENCES 43 DEMOGRAPHIC TOOL 44 INTERVIEW QUESTIONS 46 CONSENT FOR PARTICIPATION IN RESEARCH STUDY 47 ASSENT TO PARTICIPATE IN RESEARCH STUDY 49 CHAPTER 1 INTRODUCTION Background Sickle cell disease is a disorder of the blood that is genetic in nature. Defective hemoglobin molecules that aggregate to form sickle-shaped, elongated, and inflexible rod-like structures that are unable to pass through small blood vessels (Papadakis et al, 2006) characterize it. As they are unable to pass through these small vessels, these sickle-shaped cells pile up together leading to blockages and starving tissues and organs of oxygenated blood. This results in regular periods of pain and is associated with damage to important body organs and tissues and can cause serious medical problems. Blockage may cause problems such as vaso-occlusive, hemolytic, splenic sequestration, and aplastic crises. Other medical conditions that may result include infections, stroke, priapism,

Stingray's camuoflage, sting, and its adaptations to be more Research Paper

Stingray's camuoflage, sting, and its adaptations to be more successful in hunting - Research Paper Example Adaptation can either be physiological or structural. Structural adaptation entails the development of the structural traits due to the evolution by natural selection and mutation. On the other hand, physiological adaptation entails the development of the physiological traits on evolution of the structural traits. Physiological adaptation refers to adjustment of the living matter to the conditions in the surrounding environment and to the other living things during the lifetime of an organism. It describes the systematic response of an organism to specific external stimulus to maintain homeostasis and entails the biological change in an organism towards response on conditional changes. Physiological adaptation improves the ability by an organism to cope with the changing environment, and it entails hibernation, migration or emission of smell among others (Chisholm, Whittington & Fischer, 2004). Stingrays refer to flat marine fish mostly in warm water. Stingray is a group of fish related to the shark family. They are cartilaginous fishes classified in the subclass elasmobranchii and order mliobatiformes. They consist of eight families; deep water stingray (plesiobatidae), six gill stingray (hexatrygonidae), round rays (urotrygonidae), stingarees (urolophidae), butterfly rays (gymnuridae), whiptail stingrays (dasyatidae), eagle rays (myliobatidae), and river stingrays (potamotrygonidae) (Diaz & James, 2008). Stingrays live in both marine and freshwater habitats. Stingray has stinger at the tail end, which pierces the prey before escape. The stinger is razor-sharp, serrated, attached and barbed to the tail. The stingray can whip the stinger extremely quickly when attacking the prey (Dulci, Jardas & Onofri, 2003). The thin tail is agile and extremely flexible. The sting size is dependent on the species of the Stingray. Stingray is carnivorous in

Youths Financial Knowledge Education In Malaysia Economics Essay

Youths Financial Knowledge Education In Malaysia Economics Essay CHAPTER 1 In the Introduction parts, the contents are breakdown into several subtopics. There are Financial Knowledge definition, background of research, justification, problem statement, research objective, research scope and limitation and organizational research. To better understanding of this study, under the background of research, there are three different types of scenario in Malaysia related to the topic which consist of Youths Financial Knowledge Education in Malaysia, The use of Information and Communication Technology (ICT) in Malaysia, and Youths Debt and Spending Pattern in Malaysia. 1.2 Defining Financial Knowledge Financial knowledge enable individuals to navigate the financial world make informed decisions about their money and minimize their chances of being misled on financial matters (Beal and Delpachitra, 2003). The need for financial literacy has become significant with the deregulation of financial markets and the easier access to credit as financial institutions compete strongly with each other for market share, the rapid growth in development and marketing of financial products, and the Governments encouragement for people to take more responsibility for their retirement incomes. According to Vitt et al. (2000), financial knowledge is defined as the ability to read, analyze, manage, and communicate about the personal financial conditions that affect material well-being. It includes the ability to discern financial choices, discuss money and financial issues without or despite discomfort, plan for the future, and respond competently to life events that affect everyday financial decisions, including events in the general economy. Hogarth (2002), described the consistencies in behavioral terms, stating that individuals who are financially literate are: 1) knowledgeable, educated, and informed on the issues of managing money and assets, banking, investments, credit, insurance, and taxes; 2) understand the basic concepts underlying the management of money and assets; and 3) use that knowledge and understanding to plan and implement financial decisions. In recent years, financial literacy has gained the attention of a wide range of major banking companies, government agencies, grass-roots consumer and community interest groups, and other organizations. Interested groups, including policymakers, are concerned that consumers lack a working knowledge of financial concepts and do not have the tools they need to make decisions most advantageous to their economic well-being. Such financial literacy deficiencies can affect an individuals or familys day-to-day money management and ability to save for long-term goals such as buying a home, seeking higher education, or financing retirement. Ineffective money management can also result in behaviors that make consumers vulnerable to severe financial crises. From a broader perspective, market operations and competitive forces are compromised when consumers do not have the skills to manage their finances effectively. Informed participants help create a more competitive, more efficient market. As knowledgeable consumers demand products that meet their short and long-term financial needs, providers compete to create products having the characteristics that best respond to those demands (Braunstein and Welch 2002). 1.2.1 The Importance of financial literacy Financial literacy is important at many levels. Certainly, it is most important for the individual who must make complex and expensive financial decisions on behalf of him/herself and of dependents (Mandell, 2006). The need for financial literacy has become increasingly significant with the deregulation of financial markets and the easier access to credit; the ready issue of credit cards; the rapid growth in marketing financial products and the Governments encouragement for its citizens to take more self-responsibility for their retirement incomes (Marcolin and Abraham, 2006). Students who lack financial knowledge have increased financial difficulties that continue into later years. It found that students with less financial knowledge had more negative opinions about finances and made more incorrect financial decisions. They pointed out that having a low level of financial knowledge limits students ability to make informed decisions (Ibrahim et al, 2009). The need for financial skills has grown rapidly over the last decade because financial markets have been deregulated and credit has become easier to obtain as financial institutions compete strongly with each other for market share. The ready availability of credit cards together with easier access to personal loans, interest free and other payment options, has led to an increase in spending on consumption and a rapid rise in both personal and household debt levels. Moreover, the development and marketing of financial products and services has grown rapidly (Beal and Delpachitra, 2003). The credit card indebtedness issues and bankruptcies have got serious attention from media. It is alarming that it was reported the majority of the individuals who went bankrupts were from the age between 20s and 30s (Arif, 2004). This might lead to stress and also might affect the productivity of future potential workers. Increasingly, most of the individuals are in charge of securing their own financial well-being after retirement. This can be shown by the shifting from defined contribution pensions, which makes todays workers have to decide on how much to save and also how to allocate their retirement wealth. Source: Malaysia Department of Insolvency (2010) The complexity of financial market had increasing and become more complex, and individuals are facing with proliferation of different kind of investment products. The opportunities of investment have been expanded beyond natural borders, which permit individuals to invest in different range of assets. However, the difficulties to navigate the new financial system and the consequences of mistake that probably can be devastating, it is seem that individual to be questioned of how well equipped do they have to make financial decision. The most important thing before financial decision to be made is that the individuals also to be questioned on how much do they know about economics and finance. Numerous factors have led to a complex, specialized financial services marketplace that requires consumers to be actively engaged if they are to manage their finances effectively. The forces of technology and market innovation, driven by increased competition, have resulted in a sophisticated industry in which consumers are offered a broad spectrum of services by a wide array of providers. Compelling consumer issues, such as the very visible issue of predatory lending, high levels of consumer debt, and low saving rates, have also added to the sense of urgency surrounding financial literacy. Other important demographic and market trends contributing to concerns include increased diversity of the population, resulting in households that may face language, cultural, or other barriers to establishing a banking relationship, expanded access to credit for younger populations, and increased employee responsibility for directing their own investments in employer-sponsored retirement and pension plans. 1.3 Background of research 1.3.1 Youths Financial Education in Malaysia The National Youth Development Policy of Malaysia defines youth as people aged between 15 and 40 years. Malaysias national education policy has been formulated in the context of the countrys aim to attain developed nation status by 2020. The education system has been reformed to ensure the development of a highly educated, highly skilled and strongly motivated professional workforce. Consumers can effectively participate in the economy if they are properly informed and have the requisite knowledge and skills. Enhancing the levels of financial literacy is being accorded high priority in many countries, including Malaysia due to the current environment of rapid change in technology, product innovation, deregulation and greater competition that have dramatically transformed the financial system. This new environment has created a greater need for consumers to be equipped with financial knowledge and skills to make sound financial decision and to promote consumer activism to drive competition, improve efficiency and performance of financial institution as well as enhance the potential for the economy to prosper (Lian, 2008). Bank Negara Malaysia has embarked some approach to enhance the financial capability of consumers, e.g. developing and disseminating educational materials financial products and services through booklets and websites. To raise the financial capability of consumers to enable them to make informed and confident decisions on financial matters, Bank Negara Malaysia initiated consumer education programmes for adults, including young adults, known as bankinginfo and insuranceinfo in 2003. These programmes are intents to: Promote greater understanding of, and more informed decision on financial products and services Enable consumers to have greater access to reliable information, thus able to take greater responsibility and management on their financial matters. Under the programme, youngsters are educated on a wide range of issues to equip them with the necessary knowledge ad skills to manage their financial matter effectively. The components of the programme are tailored to the level of understanding of each target group. These include knowledge and skills on: Planning Saving and budgeting Spending Buying tips and comparative shopping Financial products Features of financial products and services (banking, Islamic banking, insurance and takaful), risks and liabilities involved, salient terms and conditions as well as rights and responsibilities as a financial consumer Credit and debt Borrowing and debt management, and rights and responsibilities as borrowers and guarantors Risk management Basic insurance and insurance planning Market awareness Avenues for redress, illegal schemes, currency related matters, role and functions of financial players and credit bureau In the beginning of 2007, students aged 17 attending the compulsory National Service Programme are taught various aspects of financial management such as budgeting, managing spending by making smart financial choices and banking information to enable them to have a better appreciation of money management. Annually, a total of 120,000 students are involved in this programme (Lian, 2008). For institution of higher learning, the Credit Counseling and Debt Management Agency, which is a subsdiary of Bank Negara Malaysia, is collaborating with the public universities to incorporate the subject of Personal Finance into the curriculum. Once introduced, financial education with emphasis in personal finance will be provided as a mandatory subject to undergraduates from the age of 20 to 24 years old, with the aim of preparing graduates to face the challenges of managing their finance wisely at the start of their careers (Lian, 2008). While the Government is trying to put things in order to help us get out of the middle income trap to reach a high level income society, there is still a missing link. We need to start looking into a national strategy to help Malaysians improve their personal financial literacy and develop the necessary skills to keep their personal financial matters in the proper perspective. Financial literacy is important to everyone. Financial stress is not biased based on race, age, gender, marital status or different income groups. Just because a person might be below the middle-income group doesnt mean he or she may need financial education more than others. Just as likely, the children of wealthy parents need to be educated to maintain family wealth. Similar to reading and writing literacy, financial literacy is necessary to all. When a nation has a high level of financial literacy, it is easy to promote healthy financial ethics and values across different generations, from young to the old ( Yip, 2010). 1.3.2 The Use of ICT to Disseminate Personal financial knowledge in Malaysia. The Asia Pacific Region has experienced the rapid growth rate in ICT especially in telecommunication sector in the last couple of decades. The evidences can be shown, for instance in South Asia where the compound annual growth rates for fixed lines and cellular phones are 20% and 78% during the period of 1990 to 2000. The same progress can also be seen in the Central and South East Asian countries where the cellular penetration rate has increased significantly amid the relatively lower growth in the fixed line penetration rate. In addition, Asia region in general has also been largely supported by the enlargement of the Total factor Productivity (TFP) which increases about 1.65% per annum due to the rapid investment in telecommunication sector up to 2003. The business environment in the sector is showing the more promising environment given the independent role of the national telecommunication regulator in many countries and market liberalization which simultaneously give incentives for the new entrants to compete into the market (Rohman and Bohlin, 2010). The extent of the effects of ICT has been shown to vary between countries. In general, the developed countries have shown more significant positive effect on productivity growth compared to the developing countries. Initial study on ICT development in Malaysia based in the development of telecommunication infrastructure development and Gross Domestic Product (GDP) growth, impacted a positive effect on the economy as a whole (Ramlan, 2001). Malaysia is preparing to be part of the Information Age in the new millennium by transforming itself towards a knowledge-based economy. Recognizing that ICT and multimedia will be the future enabling tool to increase the efficiency, productivity and competitiveness of the eonomy, various initiatives were taken to promote the use and development of IT during the review period. The National Information Technology Agenda (NITA) was formulated in 1996 to provide the framework for a coordinated and integrated approach in developing the strategic elements comprising human resource, info structure and IT based applications. To provide the catalyst for the expansion of IT and multimedia industries, the Multimedia Super Corridor (MSC) was launched (Ahmed, 2008). The decision to achieve a developed country status by the year 2020 using ICT as the vehicle is further strengthened by the development of MSC which is the national ICT initiative. Financial education website Duitsaku.com In line with the development of IT and the growing usage of computer among younger population, Bank Negara Malaysia in collaboration with the Ministry of Education, has created an interactive financial education website in October 2004, to enhance financial literacy among students. Students can participate in interactive financial games, contents, quizzes, financial calculations and other activities related to personal financial management. Currently, the website has attracted more than 85,000 members (Lian, 2008). The existence of ICT in real life is not only making human life easier, but also in the education perspective. ICT could spread out the financial knowledge to youth in an easier way. As many youth starts to use internet to browse the financial knowledge instead of playing online games, in such interactive website could provide youth a basic financial knowledge. The use of ICT to disseminate financial knowledge definitely will help in increasing the youth knowledge about financial thing. Therefore, the percentage of failure in managing such their personal finance in the future will be decrease. 1.3.3 Youths Debt and Spending Pattern in Malaysia There have been two clear shifts in the way Malaysians spent money over the last decade, the first being that they spent less on basic items like food and more on discretionary ones like restaurants, hotels and personal care. The second, their spending on services outpaced that on goods. These shifts in household spending reflect the fact that people grew more affluent over that period, Bank Negara Malaysia (BNM) said in its 2010 annual report. The main factor is the growing affluence of Malaysians, supported by the steady rise in disposable income and accumulation of wealth. Between 2004 and 2009, nominal per capital gross domestic product (GDP) increased by 6.8 per cent annually, with mean monthly gross household income rising by 4.4 per cent annually from RM 3,249 in 2004 to RM 4,025 in 2009. Favorable demographics were also a factor, given Malaysias relatively young and large working-age population. The younger set tends to spend more on non-essential goods and services. Greater financial deepening also played a role, with BNM explaining that greater access to credit allowed individuals to fund discretionary spending. In the period between 2000 and 2009, household debt grew at an annual rate of 13.5 per cent. Meanwhile, technological innovations encouraged consumer spending in areas like Internet services, mobile communication equipment, data services, cable television services and audio visual equipment. These trends in spending are, apparently, consistent with that observed in other countries. The trends also seem to indicate that as income rises, the share of expenditure on basic necessities tend to decline while that on services tends to increase, BNM said (Malaysiandailynews, 2011). The BNM report showed that between 2000 and 2009, Malaysian spending on discretionary items (such as restaurants and hotels, communications, recreation and culture) was particularly strong, followed by spending on miscellaneous goods and services (such as personal care, financial, insurance and other services). The share of these components of income-sensitive spending rose to 34.7 per cent of total household expenditure in 2009, from 26.5 per cent in 2000. In contrast, the proportion of household expenditure on basic necessities has declined gradually since 2002. Spending on food items as a share of total household expenditure fell to 21.8 per cent in 2009 from 24.1 per cent in 2000. Similarly, the average household spending on housing and utilities fell to 16.7 per cent in 2009 from 21.7 per cent in 2000 (Malaysiandailynews, 2011). Malaysias consumer lifestyle has been evolving and changing due, in part, to rising affluence and education levels. Malaysian also has a strong shopping fetish, especially during the weekends and on public holidays. However, the consumers comes in three categories: those whose purchasing power is high enough to go on periodic shopping sprees, people who shop for necessities, and bargain hunters (Pricewaterhouse Cooper, 2006). According to the Malaysian Communication a Multimedia Commission, the number of internet users in Malaysia reaches 9.9 million as of end 2004 and 13.2 million at the end of first quarter 2005, representing almost 39% of the nations total population in 2004. Internet shopping has gained popularity form 24% of internet users as a percentage of the Malaysian population in 2002 to 28% in 2003. At least one-third of internet users have purchased items online and the bulk o this spending went to consumers goods such as books, CDs, clothing and flowers (45%), computing product (18%), and travel products (7%) (Pricewaterhouse Cooper, 2006). In Malaysia, The Consumer Price Index (CPI) for the period January to March 2011 increased by  2.8 per cent  to 102.2 compared with that of 99.4 in the same period last year. When compared to the same month in 2010, the CPI for March registered an increase of 3.0 per cent from 99.4 to 102.4 and when compared with the previous month, the CPI increased by 0.1 per cent. The index for Food Non-Alcoholic Beverages and Non-Food for the month of March 2011 showed increases of 4.7 and 2.3 per cent respectively as compared to the same month in 2010. For the period January to March 2011, the index for Food Non-Alcoholic Beverages and Non-Food increased by 4.3 per cent and 2.2 per cent respectively. Comparison made to the previous month for Non-Food showed an increase of 0.1 per cent while the index for Food Non-Alcoholic Beverages remained unchanged at 103.7 (figure 1). The CPI for main group in Malaysia, for the year 2010-2011 is shown in appendix Moreover, the credit cards loan is another hot issue. In Malaysia credit cards were first introduced in the mid-1970s (Loke, 2007). At the early stage, credit cards were only issued to professionals or those considered successful businesspersons by card issuing companies. By the end of 1970s, an estimated 20,000 cards were issued. During that time, owning a credit card was considered a symbol of prestige. However, with the passage of time, eligibility criteria for obtaining credit cards have been increasingly relaxed. As a result, the number of cardholders reached to about three million by the turn of the last century. The proliferation of credit cardholders has brought an indiscriminate spending by users with many side effects. Many Malaysian consumers seem to display excessive buying behavior, commonly known as compulsive buying. Easy availability of credit and compulsive buying has led to many adverse consequences such as addiction to shopping and excessive debt (Ahmed et al, 2010 ). . Another noteworthy feature of card users in Malaysia is that they use the card to grant loans for themselves. It is easier to obtain credit cards in Malaysia rather than applying for personal loans, which requires the applicant to comply with more formalities like providing guarantors or collaterals. It was reported that outstanding debts from credit card holders amounted to RM15.719 billion by the year March 2009 (RM or Ringitt Malaysia is the local currency, 3.40 RM was approximately equal to 1 USD at the time of study). By the year 2009 outstanding credit card debts accounted for 1.35 percent of the total loans outstanding or 11.41 percent of the total consumer credit (Bank Negara Malaysia, 2009). On a more serious note, 6.43 percent of the outstanding debts had to be converted to non-performing loans. An alarming increase in the number of credit card holders seeking bankruptcy a proceeding over the years was also reported (Ahmed et al, 2010). 1.4 Justification The purpose of this paper is to review some of the factors that contribute in the use of ICT to disseminate personal financial knowledge on youths debt and spending behavior in Malaysia. The contribution of this paper may not just benefit of personal or individuals solely, it may also benefit institutions that provide Information ICT. Some of the young people in the country had well equipped about the financial knowledge, but some are not. By knowing such as young generation will be the future potential worker, it is suggested that they had a well equipped knowledge about financial thing. With the rapid changing of technology and complexity of financial products, the role of ICT in order to spread out the knowledge of financial related, here come problems when different people perceive the ICT contribution differently. This problem is critical to understand what are the factors that cause those youths views differently towards ICT in order to disseminate the personal financial knowledge and action can be taken to solve the problem in order to gain a better financial planning in the future time specifically on the youths debt and spending behavior. Hopefully, the result of this study will bring awareness on what are the factors that affect the use of ICT application to disseminate the personal financial knowledge. Besides, the ICT firm can take this golden opportunity to identify the factors that lead to the perception of youths to increase customer satisfaction towards the overall development of the ICT. Moreover, the government can take advantage of this study by understanding the reason that lead to youths perception on the use of ICT to disseminate personal financial knowledge and take action by implement some act to fix the situation. Thus, it can help them to manage their debt and spending properly to minimize any financial matter later on. It is also said to be benefit to the Malaysia country as the youths knowledge become higher can lead to the increasing of productivity in the country. With emphasis focused in the main issues on (objective), ICT will play its role to disseminate personal financial knowledge among youth and contribute substantial improvements on youth perception about the importance of financial knowledge on their debt and spending behavior. 1.5 Problem Statement In Malaysia, topics on personal finance are still considered minimal. If there are programs or activities on it, they were never addressed directly to the young consumers specifically those in between aged 15 to 40 years. There are a lot of credit card indebtness issues. The literature indicates that high school seniors are unprepared to deal with finances when they graduate. The emphasis in the high school curriculum is on preparation for college or on the acquisition of skills to obtain a job and to earn an income. The high school curriculum does not focus on how to effectively use the income in dealing with financial matters such as bank accounts, investments, mutual funds, mortgages, credit cards, loans, social security, insurance and taxes. Only if a student has taken a course in consumerism, finance or in economics while in high school would he or she be exposed to topics dealing with every day financial issues (Manton, 2006). With the emphasis of ICT being provided and the rapid changing in technology, as well as the proliferation of financial instruments and services in the market, the nature question on this study is Does ICT able to disseminate the following personal financial knowledge: budgeting knowledge, saving knowledge, spending knowledge, debt knowledge, and investment knowledge on youths debt and spending behavior? 1.6 Research Objective To measure the interest and capability of more financially sophisticated individuals to engage in personal financial planning and to identify reasons why individuals fail to plan appropriately This study is important to ensure that young generations are well equipped with at least basic knowledge of personal financial knowledge. The proliferation of financial services industry makes financial products are more complicated to be understood by novice customers. Knowing that this young generation will be part of future human capital, it is important that they are knowledgeable and are able to make decisions without imperiling their financial status (citation). To examine the extent to which personal financial knowledge were considered by youngsters to be value for their future debt and spending behavior. Generation Y has a relatively high level of disposable income, much of the research seems to indicate that Generation Y consumers have a low degree of financial literacy (Palmer, Pinto, and Parente, 2001). The new environment with rapid change in technology, product innovations, deregulation and greater competition, has created a greater need for consumers to be equipped with financial knowledge and skills to make sound financial decision and to promote consumer activism to drive competition, improve efficiency and performance of financial institutions as well as enhance the potential the economy to prosper (Lian, 2008). To explore which factors affect the most of youths attitude and behaviors to acquire financial knowledge by using ICT and how does ICT relates to these factors Categorized as one of the developed countries, Malaysia is not missed being one of the regions whereby financial literacy level is at the bottom end. Prior to millennium era, percentage of society knowledge on issues such as budgeting, saving, investing and insuring were minimal. There are so many books, seminars and institutions that provide information on basic financial management catering to those who want to improve their financial standing. In fact, financial institutions are actively promoting their range of services which include investment consultation and other areas attached with proper financial management. However, those who do read on the subject matter or seeking for professional advise are normally professionals, semiprofessionals or those who are familiar with money management. There are almost no programs or seminars targeting those of children and young adults. As a consequence, the familiarity level on finance among these young groups is very limited except for wh at they learned thru experience, family or even peers (Ibrahim et al, 2009). 1.7 Research Scope and Limitation The main purpose of this study is to examine the use of ICT to disseminate personal financial knowledge on youths debt and spending behavior in Malaysia. This paper will be more focus onto how does the youths perception on acquiring personal financial knowledge or financial literacy by using the ICT application. The distributions of questionnaires are the one that will be the primary data in this study. The questionnaire will be distributed to those target respondents based on youth age in Malaysia which is between 15 to 40 years old. In this study, 200 respondents will be randomly selected based on their difference in age, gender, race, marital status and educational level. For the study method tools, the questionnaires will be distributed among private and public university students in Malaysia. 1.8 Organizational Research The chapter 1 of the research project is introduction. In chapter one, it includes overview of chapter 1, research background and research questions, research objectives, significance and justification of the study, research scope and limitation, and organizational of research. While in chapter 2, dependent variable and independent variables will be the foundation to the building of theoretical frameworks and developing hypothesis. Literature review or past study will be used to build up chapter 2. Chapter 3 is the chapter of research methodology. At first, research framework and hypothesis are developed in order to predict the relationship between the dependent variable and independent variables. Then, it will follow by questionnaire development which is explaining how the questionnaires will be developed. The next elements in chapter 3 are sampling plan, data collection method and techniques of analysis.

Depression Essay -- essays research papers

Clinical depression is one of many mental disorders affecting 1 in 10 Americans today. This disorder is characterized by ongoing feelings of sadness and despair which leads to anxiety, agitation, feelings of emptiness, and loss of self-worth. Following these initial symptoms are possible weight loss or gain, insomnia, lack of energy, unusual indecisiveness, and even suicidal thoughts or attempts. There are many possible causes of major depression; however, very often the disease strikes without any triggering cause which leads to a great deal of frustration by the affected person and his or her loved ones. Fortunately, scientists have narrowed the list to three major causes: a first depressive episode caused by a traumatic event, a biochemical disorder, or an inherited disorder. Depression can result from an emotionally or physically stressful incident. This has been termed by psychologists as first depressive episode. Possible causes include the death of a loved one, an abortion or miscarriage, a move to a new home or job, the end of an important relationship, financial problems, a chronic illness, or any other traumatic event. For many people, these incidents produce a mild to moderate case of the blues. They feel "down" for a while, but they are able to continue functioning and performing everyday tasks. Although these people may experience the chemical imbalance that is the hallmark of depression, the brain abnormality typically ...