Vortioxetine: Long and Short Term Effectiveness

Vortioxetine: Long and Short Term Effectiveness Clinical Efficacy and Tolerability Studies: Effectiveness in momentary treatment Thase M et al. performed meta-investigation on 10 momentary fake treatment controlled clinical preliminaries [studies examined were with Clinical preliminary library no:NCT00839423, NCT00635219, NCT00735709, NCT01140906, NCT01153009, NCT01163266, NCT00672958, NCT00672620, NCT01179516, NCT00811252]outcome submitted to USFDA for vortioxetine endorsement reason and show the adequacy of the compound in treatment of MDD. They watched presence of portion reaction connection over the dose quality (5-20mg/day) of vortioxetine based on MADRS as viability estimation scale. The examination revealed clinically important adequacy of vortioxetine through mean distinction in change from standard MADRS all out score (32.4â ±4.1 for vortioxetine(n=2416) and 32.1â ±4.0 for placebo(n=1439)) watched for 5mg strength(difference of progress in score: - 2.6; p=0.008), 10 mg quality (- 3.5; p The absolute first examination to distinguish adequacy, wellbeing and bearableness of vortioxetine 5mg and 10 mg/day measurement versus fake treatment was done for about a month and a half with cooperation of 429 patients with standard Montgomeryâ€ã… sberg Depression Rating Scale (MADRS) absolute score 30. Venlafaxine XR 225mg/day was utilized as a functioning reference in this multi-site study. The examination displayed prevalent treatment by vortioxetine in correlation of fake treatment as apparent by critical contrast (p Impedance in wellbeing related personal satisfaction (HRQoL) is an interminable ailment legitimately identified with sadness. Improvement in HRQoL in quiet enduring of MDD reflects remedial adequacy and upgrade persistent adherence to the medication. Florea I et al. performed irregular impact meta-investigation on 9 fake treatment controlled transient examinations [Studies included are Clinical preliminary library no.: NCT 00839423; NCT00635219; NCT01323478; NCT00672958; NCT00672620; NCT00735709; NCT01153009; NCT01163266] of patients with MDD accepting vortioxetine utilizing an assortment of personal satisfaction appraisal instruments. The meta-investigation (FAS, MMRM) demonstrated a measurably huge distinction from fake treatment for vortioxetine (p Viability on Cognitive capacity: Viability of vortioxetine on intellectual capacity in discouraged grown-ups Memory hindrance as a Neurocognitive mutilation is noticeable in patients with MDD and the equivalent is viewed as s a marker of mind dysfunctinality (Burt D). Antidepresant drugs with constructive outcome on inversion of psychological brokenness are differenciated from the antidepressants with no subjective impact to encourage great remedy as a rule. In a preclinical report, Vortioxetine upgraded memory in rodent as apparent by novel article acknowledgment test and lightened extracellular degree of acetylcholine and histamine when 1-10 mg/kg sedate is managed subcutaneously to exploratory creatures (Mork A, 2013). The interminable dietary organization of medication likewise saw as compelling in easing of pressure actuated debilitation in inversion realizing when grown-up male rodents were presented to constant irregular cold (CIC) stress and 4-chloro-DL-phenylalanine methyl ester hydrochloride (PCPA), a 5-HT exhausting specialist (Wallace A, 2014). Reclamation of 5-HT consumption im peded memory by Vortioxetine was likewise shown by Jardin KG and Jansen JB through PCPA incited 5-HT exhaustion model and social tests including object acknowledgment (OR) and Y-labyrinth unconstrained rotation (SA) tests separately. SERT (Serotonin transporters) inhabitance (>90%) by vortioxetine was set up in their preclinical work, with reports of portion conditionally turned around acknowledgment memory and spatial working memory in rodents. Viability in MDD backslide avoidance (Long term treatment) Significant burdensome issue (MDD) patients need to keep up treatment much after abatement by intense treatment to forestall backslide particularly when leftover manifestation and comorbid sicknesses (E.g: MDD with summed up uneasiness issue) are available at the reduction point (Keller M, 2007). The drawn out adequacy of antidepressants is additionally be built up by investigation of its job in support treatment in forestalling wretchedness repeat in patients who reacted to intense treatment (Kornstein 2006)(Steinert C 2014). Alam M et al (NCT 00707980) completed an open-name, 52-weeks, long haul study to recognize adequacy of vortioxetine alongside observing of antagonistic impacts. This was the expansion of two twofold visually impaired, fake treatment controlled present moment (8weeks) lead in considers including members enduring of MDD. Complete 834 patients were treated with 5 mg/day portion of vortioxetine for first week followed by portion titration from 2.5 mg/day to 10 mg/day relying upon force of reaction till 52 weeks. The examination finished up with nonattendance of potential unfavorable impact reports and demonstrated adequacy of vortioxetine by upkeep of reduction saw by Change From Baseline score of MADRS Total Score (Observation: - 7.4  ±9.81 units Change from pattern score as end point result) and 24-thing Hamilton Depression all out score (Observation: - 7.9  ±9.66 units change from gauge score as end point result). Besides, Baldwin DS et al detailed wellbeing and viability of vorti oxetine in avoidance of backslide of MDD based on 52 weeks of reduction upkeep treatment in patients who recently finished intense treatment of vortioxetine for about two months with proof of abatement. Patients revealed around 8 focuses decrease from 13.5â ±8.7 standard MADRS score following 52 weeks of treatment demonstrated good profile of vortioxetine (2.5, 5 and 10 mg/day) in backslide avoidance during long haul abatement upkeep treatment of MDD. Toward the finish of multi week treatment, around 2% patients have given indication of backslide (MDRS score ≠¥ 22) according to Montgomery-Asberg Depression Rating Scale. For vortioxetine, a MDD backslide avoidance study was completed with cooperation of 639 MDD patients matured between 18-75 years and determined to have a current significant burdensome scene (MDE) inside about a month length. In this examination, against gauge score in MADRS scale ≠¥26, a reduction point was considered as MADRS complete score ≠¤10 for vortioxetine (5 or 10 mg/day) offered patients enter in twofold visually impaired, 24 weeks period of treatment with either fake treatment (n=192) or vortioxetine (n=204) for backslide time investigation. Toward the finish of the examination, backslide rate was 13% and 26% for vortioxetine and fake treatment rewarded bunches separately as a proof of viability of vortioxetine in counteraction of backslide in 396 patients took an interest in multi week stage (Boulenger JP 2012). Relative EFFICIENCY Treatment with vortioxetine (2.5 mg, 5 mg, 10 mg) neglected to make separation from fake treatment when Change From Baseline in MADRS Total Score was considered as an essential adequacy investigation instrument in a 8 Week randomized, twofold visually impaired clinical examination. In a similar examination, Duloxetine (60 mg), a reference medicate used to discover adequacy of vortioxetine, likewise neglected to make separation against fake treatment in essential viability investigation. Auxiliary adequacy result investigation and decency examination proposed viability of vortioxetine with 5mg and 10 mg quality through MMRM (Mixed-Effect Model Repeated Measure) model (Badwin DS, 2012). In a randomized, twofold visually impaired investigation including examination of vortioxetine (n= 252) and agomelatine (n=241), predominance of treatment with vortioxetine (p Katona C et al announced altogether (P = 0.0011) higher viability of vortioxetine (5 mg/day) in correlation of fake treatment by 24-thing Hamilton Depression Scale (HAM-D (24)) all out score () as the essential measure. 29.2 versus 19.3% reduction rate were seen at the endpoint for vortioxetine and fake treatment controlled populace separately during the examination which likewise included duloxetine as dynamic reference. The patient adherence rate was 94.2% if there should be an occurrence of vortioxetine and 90.1% in the event of duloxetine exhibited decency of vortioxetine in their investigation. Near Safety of vortioxetine (10mg every day) in MDD treatment was built up based on 15 days study exhibiting its impact on psychomotor execution in 24 sound subjects. The medication didn’t show modification in psychomotor working withing and toward the end purpose of te study. The examination likewise included utilization of Mirtazapine as a functioning reference which was seen as mediocre through strandardized driving test because of psychological disability obsrved by it. (Theunissen). Viability ON ETHNIC POPULATION Dominant part of the clinical examinations recorded in table 3 were completed at multi destinations including worldwide populace and assorted segment dissemination. The medication was seen as similarly compelling on members from various nations. As of late H.Lundbeck reported straight on study results looking at viability and decency of vortioxetine 10mg/day and venlafaxine XR 150mg/day in treatment of MDD in 437 grown-up members (Inclusion rules: MADRS all out score ≠¥26) from four Asian nations, Thailand, South Korea, Taiwan and China. The end point result set up marginally more adequacy of vortioxetine contrasted with venlafaxine with mean distinction of - 1.20 focuses in change saw in benchmark MADRS all out score(with 95% CI: - 3.03 to - 0.63). The prevalence of vortioxetine was unequivocally bolstered by its decency information saw as lesser occurrences of unfavorable occasions (6.6% versus 13.7%) and lesser drop out proportion of members (18% versus 27.4%) if there should be an occurrence of vortioxetine treatment contrasted with dynamic reference. Viability of vortioxetine in Asian populace was built up by considerable improvement in MDD as clear by change in benchmark score i.e.: - 19.4 focuses on MADRS complet e score. Wellbeing AND TOLERABILITY Adequacy and security for Sexual capacity support Sexual brokenness is one of the significant dangers of stimulant treatment especially with particular serotonin reuptake inhibitors (SSRIs)(Strohmaier J 2011). Treatment end is rep

Discuss how an understanding of the biology of insect pests assists in Essay

Talk about how a comprehension of the science of creepy crawly bugs aids the control of put away item bugs - Essay Example It additionally assists with deciding if there is a pervasion in a given structure, what techniques ought to be utilized to evacuate it, and gives more extensive strategies to the production of new pesticides and creepy crawly anti-agents. Purpose behind Entry, Method of Entry, and Location The essential explanation that a comprehension of the science of a creepy crawly bothers helps in killing the bugs by giving an understanding with regards to why the bugs would come inside that working at that specific area. By and large, these reasons incorporate coming into structures looking for food, water, or sanctuary from the components. For instance, cockroaches are pulled in to dampness around funnels and depletes, thus structures with such wellsprings of dampness are bound to contain cockroaches than drier structures. Ants, similar to cockroaches, are likewise pulled in to spilling funnels or buildup develop, and will go into structures or rooms looking for this dampness. Ants are additi onally pulled in to food sources, for example, sugar, particularly in instances of general poor sanitation. Finding those food and dampness sources can help decide why the irritations are entering the structure. When the explanations behind the nuisances coming in has been resolved, the dampness or food source can be evacuated. Expelling the wellspring of food or water should help decrease the quantity of irritations coming into the structure, and subsequently lessen the trouble of destroying the invasion of that building. When the irritations inside have been annihilated and the explanation new vermin were entering the structure is expelled, there ought to be no future issues with that specific bug in that building except if another wellspring of food or water is introduced (Juneau et al., 2010). Moreover, understanding the science of the creepy crawlies can enable an exterminator to see how the vermin are entering the structure of pervasion in any case. Slithering creepy crawlies by and large come in through openings into the structure which are available from the beginning. For instance, creepy crawlies may enter structures through splits in the outside brick work or other structure materials, or different holes in the outside of the structure. Entryways left open particularly can pull in ground-level creeping bugs. Little holes and openings around water channels, warming and cooling air vents, and outside windows and entryways, would all be able to give access to slithering creepy crawlies. In any case, it isn't just ground-level access that will permit in creeping irritations that ought to be paid special mind to. Outside arranging highlights, for example, climbing vines, brambles and growth, or tall grasses, may all give access to creeping bugs to arrive at open windows or different passages that are higher off the ground and would not ordinarily be available to such bugs (Juneau et al., 2010). Flying bugs could clearly get to higher focuses, for example , open windows that are deficient with regards to screens or that have harmed screens with openings that could permit in bugs. Searching for such purposes of access could help figure out where the irritations are entering the structure; hindering these section focuses would consequently help prevent the bugs from invading the structure. Understanding the techniques the creepy crawlies are utilizing to enter the structure will help figure out where the barricades ought to be put in request to stop them. Information on the science of the irritations can likewise help figure out what areas in the structures might be concealing those bugs, and thusly where to hope to annihilate them. For instance, the assemblages of kissing bugs are totally level. This permits them to stow away in

Schneiders Food Company History and products

Adjustment and Accountability in the Workplace - Essay Example A measure that has been taken in my work environment that guide in the responsibility procedure is that of the adjustment of social insurance promoting materials. So as to more readily comprehend the issue of adjustment and the included responsibility process with this, the issue itself must be talked about to the full degree. By completely tending to these subjects of intrigue, we can increase an increasingly savvy and educated perspective regarding the current matter. The point of this paper is to do this, just as encompass all other key related variables. This is the thing that will be dissertated in the accompanying. The issue of the adjustment of medicinal services promoting materials is unmistakably something other than interpreting the words; rather it is a mind boggling and various circumstance, and is the deciphering of thoughts and doing as such in a way that the objective culture will grasp. The best adjustments and interpretations require broad testing with the essential objective crowd during all periods of the improvement procedure. Social adjustment of preventive materials and messages are utilized to expand access to, and encourage the advantages of, the preventive advantages are important.

Tips for Answering the University of Michigan Supplemental Essay Prompts [2019 - 2020]

The University of Michigan is a large (over 40,000 students), predominantly residential campus located in the small city of Ann Arbor. This well known school has an outstanding reputation for research, academic rigor and athletic spirit—it is often referred to as a public-Ivy. It offers a non-binding Early Action option with an application deadline of November 1st and accepts either the Common Application or Coalition Application with no preference. In an effort to gain a deeper understanding of the sort of student you might be at the University of Michigan, in addition to the main essay you write for whichever application type you select, you must respond to three supplemental essay prompts. Before you begin writing, take the time to research and identify what appeals to you most about the school. Consider location, athletics, academic programs, Residential Colleges, professors, particular clubs, study abroad, and anything else that attracts you to the University of Michigan. These responses are your opportunity to share more about yourself and what you value while also providing a richer context for your overall application. Remember, your goal is to make the strongest possible case for both your potential fit with the school and how an education at UM will prepare you for the future. Get a free consultation: Click here to schedule a call to find out how our admissions experts can help YOU get accepted to the University of Michigan! Below are some suggestions to help you address the supplemental prompts. The University of Michigan supplemental essay questions University of Michigan supplemental essay #1 If you could only do one of the activities you have listed in the Activities section of your application, which one would you keep doing? Why? (Required for all applicants) This prompt allows you to talk about one of your passions and why it is important to you. A word of caution here, do not select an activity you have discussed at length in another portion of your application. Consider the big picture and what this activity can add to the overall picture you are presenting—how might this reveal a different dimension of your personality? Be specific as you convey your enthusiasm. Think about how you grew as a person as a result of this activity. How was your interest initially sparked and what did you do to explore it? If this is something you might be able to continue or expand upon while at the University of Michigan, this is an excellent place to mention that! University of Michigan supplemental essay #2 Everyone belongs to many different communities and/or groups defined by (among other things) shared geography, religion, ethnicity, income, cuisine, interest, race, ideology, or intellectual heritage. Choose one of the communities to which you belong, and describe that community and your place within it. (Required for all applicants) If you have applied to other selective schools, you are likely to be familiar with this sort of â€Å"diversity† prompt. What they are getting at is your personal story and how you might relate with others of similar and different life experiences. There is some overlap in terms of how these communities/groups are defined, try to focus on the precise intersection that shapes your sense of identity. Describe how each factor contributes to who you are and how you engage with the world around you. Your story does not have to be exotic; it just needs to express the world you come from and your place within it. Diversity is essential to the University of Michigan, as showcased on its website: â€Å"U-M is committed to creating a campus environment of equity and inclusion where students, faculty, and staff with diverse backgrounds live, learn, and work together.â€Å" As you tell your story, consider how you will contribute to and benefit from this diverse atmosphere. How might yo u connect with other students, faculty, staff and the community at the University? Do your research and consider specific ways you can get involved. hbspt.cta.load(58291, 'b11ab1f4-ea16-477a-b602-88f511f102cc', {}); University of Michigan supplemental essay #3 Describe the unique qualities that attract you to the specific undergraduate College or School (including preferred admission and dual degree programs) to which you are applying at the University of Michigan. How would that curriculum support your interests? (Required for all applicants) This is another opportunity to demonstrate that you’ve done your homework and identify unique aspects of the program at the University of Michigan. You must communicate what appeals to you and how the specific program/curriculum will prepare you to achieve your goals. If you are undecided, you can speak to your areas of interest and how you might explore them at the University of Michigan. Consider the 14 different undergraduate Schools and Colleges it boasts to determine which might be the best prospective home for you. Be sure to notice that many programs at the university do not require application until your second year of college. Most students at the University of Michigan are admitted to the College of Literature, Science, and the Arts (LSA) for their first year of study, while others (business school students, for example) go through the Preferred Admission process while still in high school, which allows them sophomore entry to a particular School/College provided the y meet certain academic conditions. If you are applying to a School/College that predominantly admits new classes via Preferred Admission (e.g., Ross School of Business), it is critical that you decide now, while still a high school student, which School/College you’re targeting; it can be difficult to transfer from one School/College to another after your first year of study, even with exceptional grades. Review the degree/graduation requirements—what do you find attractive or what might be beneficial to you about this approach? Why is this approach such a good match for your interests, learning style, or ultimate goals? Provide details and support your statements with reasons why the program at the University of Michigan is the ideal place for you! Final thoughts on applying to the University of Michigan As a school that accepts  the Common Application, the University of Michigan is committed to a holistic review of your application materials. This means it takes all aspects of your application into account. Don’t miss your opportunity to stand out among your peers and provide a genuine sense of your character through your essay responses. To provide some context for where you might stand, of the 65,716 students that applied to enter the class of 2023 at the University of Michigan, 14,949 or just fewer than 23% were offered admission. The average SAT score was 715 writing/evidenced based reading and 745 math. The average ACT score was 33.5 and the average entering GPA was 3.9 on a 4.0 scale. This is a competitive applicant pool. While keeping these statistics in mind, take a moment to relax and plan. Make sure you meet all deadlines and allow yourself adequate time to write and revise your essays. Consider the best way to reflect your personal experiences, convey your interests, express your enthusiasm for learning, and demonstrate how and why the University of Michigan is the best place for you! If you’re applying to the  University of Michigan, you already know you’re up against tight competition. Don’t be overwhelmed. Get the guidance of an experienced admissions specialist who will help you stand out from the highly competitive applicant pool so you can apply with confidence, and get accepted! Click here to get started! hbspt.cta.load(58291, 'd81c5687-dd01-4648-93b4-33d2ae163735', {}); Marie Todd has been involved in college admissions for over twenty years. Marie has both counseled applicants to top colleges and evaluated 5000+ applications for the University of Michigan's College of Literature, Science and the Arts; College of Engineering; School of Kinesiology; School of Nursing; and Taubman College of Architecture.  Want Marie to help you get accepted?  Click here to get in touch with Marie Todd. Related Resources: †¢Ã‚  From Example to Exemplary, a free guide to writing great application essays †¢ What You Can Do During Your Senior Year to Boost Your Chances of a College Acceptance †¢Ã‚  Tips For Answering Common Application Essay Prompts Tips for Answering the University of Michigan Supplemental Essay Prompts [2019 - 2020] The University of Michigan is a large (over 40,000 students), predominantly residential campus located in the small city of Ann Arbor. This well known school has an outstanding reputation for research, academic rigor and athletic spirit—it is often referred to as a public-Ivy. It offers a non-binding Early Action option with an application deadline of November 1st and accepts either the Common Application or Coalition Application with no preference. In an effort to gain a deeper understanding of the sort of student you might be at the University of Michigan, in addition to the main essay you write for whichever application type you select, you must respond to three supplemental essay prompts. Before you begin writing, take the time to research and identify what appeals to you most about the school. Consider location, athletics, academic programs, Residential Colleges, professors, particular clubs, study abroad, and anything else that attracts you to the University of Michigan. These responses are your opportunity to share more about yourself and what you value while also providing a richer context for your overall application. Remember, your goal is to make the strongest possible case for both your potential fit with the school and how an education at UM will prepare you for the future. Get a free consultation: Click here to schedule a call to find out how our admissions experts can help YOU get accepted to the University of Michigan! Below are some suggestions to help you address the supplemental prompts. The University of Michigan supplemental essay questions University of Michigan supplemental essay #1 If you could only do one of the activities you have listed in the Activities section of your application, which one would you keep doing? Why? (Required for all applicants) This prompt allows you to talk about one of your passions and why it is important to you. A word of caution here, do not select an activity you have discussed at length in another portion of your application. Consider the big picture and what this activity can add to the overall picture you are presenting—how might this reveal a different dimension of your personality? Be specific as you convey your enthusiasm. Think about how you grew as a person as a result of this activity. How was your interest initially sparked and what did you do to explore it? If this is something you might be able to continue or expand upon while at the University of Michigan, this is an excellent place to mention that! University of Michigan supplemental essay #2 Everyone belongs to many different communities and/or groups defined by (among other things) shared geography, religion, ethnicity, income, cuisine, interest, race, ideology, or intellectual heritage. Choose one of the communities to which you belong, and describe that community and your place within it. (Required for all applicants) If you have applied to other selective schools, you are likely to be familiar with this sort of â€Å"diversity† prompt. What they are getting at is your personal story and how you might relate with others of similar and different life experiences. There is some overlap in terms of how these communities/groups are defined, try to focus on the precise intersection that shapes your sense of identity. Describe how each factor contributes to who you are and how you engage with the world around you. Your story does not have to be exotic; it just needs to express the world you come from and your place within it. Diversity is essential to the University of Michigan, as showcased on its website: â€Å"U-M is committed to creating a campus environment of equity and inclusion where students, faculty, and staff with diverse backgrounds live, learn, and work together.â€Å" As you tell your story, consider how you will contribute to and benefit from this diverse atmosphere. How might yo u connect with other students, faculty, staff and the community at the University? Do your research and consider specific ways you can get involved. hbspt.cta.load(58291, 'b11ab1f4-ea16-477a-b602-88f511f102cc', {}); University of Michigan supplemental essay #3 Describe the unique qualities that attract you to the specific undergraduate College or School (including preferred admission and dual degree programs) to which you are applying at the University of Michigan. How would that curriculum support your interests? (Required for all applicants) This is another opportunity to demonstrate that you’ve done your homework and identify unique aspects of the program at the University of Michigan. You must communicate what appeals to you and how the specific program/curriculum will prepare you to achieve your goals. If you are undecided, you can speak to your areas of interest and how you might explore them at the University of Michigan. Consider the 14 different undergraduate Schools and Colleges it boasts to determine which might be the best prospective home for you. Be sure to notice that many programs at the university do not require application until your second year of college. Most students at the University of Michigan are admitted to the College of Literature, Science, and the Arts (LSA) for their first year of study, while others (business school students, for example) go through the Preferred Admission process while still in high school, which allows them sophomore entry to a particular School/College provided the y meet certain academic conditions. If you are applying to a School/College that predominantly admits new classes via Preferred Admission (e.g., Ross School of Business), it is critical that you decide now, while still a high school student, which School/College you’re targeting; it can be difficult to transfer from one School/College to another after your first year of study, even with exceptional grades. Review the degree/graduation requirements—what do you find attractive or what might be beneficial to you about this approach? Why is this approach such a good match for your interests, learning style, or ultimate goals? Provide details and support your statements with reasons why the program at the University of Michigan is the ideal place for you! Final thoughts on applying to the University of Michigan As a school that accepts  the Common Application, the University of Michigan is committed to a holistic review of your application materials. This means it takes all aspects of your application into account. Don’t miss your opportunity to stand out among your peers and provide a genuine sense of your character through your essay responses. To provide some context for where you might stand, of the 65,716 students that applied to enter the class of 2023 at the University of Michigan, 14,949 or just fewer than 23% were offered admission. The average SAT score was 715 writing/evidenced based reading and 745 math. The average ACT score was 33.5 and the average entering GPA was 3.9 on a 4.0 scale. This is a competitive applicant pool. While keeping these statistics in mind, take a moment to relax and plan. Make sure you meet all deadlines and allow yourself adequate time to write and revise your essays. Consider the best way to reflect your personal experiences, convey your interests, express your enthusiasm for learning, and demonstrate how and why the University of Michigan is the best place for you! If you’re applying to the  University of Michigan, you already know you’re up against tight competition. Don’t be overwhelmed. Get the guidance of an experienced admissions specialist who will help you stand out from the highly competitive applicant pool so you can apply with confidence, and get accepted! Click here to get started! hbspt.cta.load(58291, 'd81c5687-dd01-4648-93b4-33d2ae163735', {}); Marie Todd has been involved in college admissions for over twenty years. Marie has both counseled applicants to top colleges and evaluated 5000+ applications for the University of Michigan's College of Literature, Science and the Arts; College of Engineering; School of Kinesiology; School of Nursing; and Taubman College of Architecture.  Want Marie to help you get accepted?  Click here to get in touch with Marie Todd. Related Resources: †¢Ã‚  From Example to Exemplary, a free guide to writing great application essays †¢ What You Can Do During Your Senior Year to Boost Your Chances of a College Acceptance †¢Ã‚  Tips For Answering Common Application Essay Prompts

Rise of Communism in China - 3062 Words

Rise of Communism in China Introduction The main reason why the Communists came to power in China was because of the failing policies and actions used by Kuomintang (Chinese Nationalists) of which the CCP (Chinese Communist Party) took advantage. However in addition to that, there were also significant factors such as the poor conditions during the beginning of the twentieth century in the Republic of China and the Japanese War (1937 Ââ€" 1945), that led to the insufficiency and weakness of the GMD (Chinese Democratic Party) during the Civil War. Their leader, Chiang Kai-Shek, lost the support of the majority, mainly peasants and intellectuals, to the CCP, which contributed to their success in war. In addition to GMDs actions, Mao†¦show more content†¦At the beginning the GMD sought to bring about a democratic revolution. Their socialist leader, Sun Yatsen, therefore introduced three principles, Nationalism, Democracy and Peoples livelihood. His idea of Nationalism consisted of a strong central government, whi ch would have had to be able to force out foreign influence and restore independence of China. Democracy was Suns attempt to secure liberty and equality, in a country, which previously had a long history of imperial dynastic rule. In addition to this he demanded a fair distribution of wealth such as land and reflection of peoples livelihood. It became obvious that there was no harmony in the Chinese society. Mainly the warlords and foreigners increasingly contributed to the division of the country. In addition, the privileged classes established an opposition. Chiang Kai-Shek After Sun Yatsens death in 1925, Chiang Kai-Shek (also a GMD member) took over GMD leadership, confronting his problems in a more aggressive way than Sun Yatsen did. General Chiang Kai-Shek mainly concentrated on the military unification and reforms were regarded of a minor importance. 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Behaviours and Attitudes of Shoppers regarding Kellogs Products and Se Research Proposal

Essays on Behaviours and Attitudes of Shoppers regarding Kellogs Products and Services Research Proposal The paper â€Å"Behaviours and Attitudes of Shoppers regarding Kellogs Products and Services† is a  forceful version of the research proposal on marketing. Qualitative research technique is chosen to measure shopper’s attitudes, behaviours, of Kellogs cereal and snack products. The techniques were chosen because it attempts to gain a clear understanding of any existences of opinions, it assesses them broadly so as to assess their depths and breaths of attitudes. The researcher will need to demonstrate how the research will be carried out that will outline the dominant feelings of shoppers buying patterns. Human behaviours are best explained using qualitative research, this is because human phenomena’s that cannot be investigated by direct observations such as attitudes and other emotions are best studied using qualitative methods. The need to assess shopper’s attitudes and behaviours of Kellogs products is important as they will be able to use the result s to evaluate their marketing strategy to come up with a marketing plan (Burns, 2000 pp. 343).Another reason why the technique was chosen for the study is that it emphasizes understanding rather making measurements to the respective attitudes and behaviours. The qualitative method mainly focuses on the use of words, images, narratives and concepts. The quantitative research is a concern with numbers and statistics and concern itself with providing information. Another factor that makes the qualitative approach more advantageous to quantitative approach is that Kellogs is that the researcher will be able to start to make analysis during data collection process this is compared to quantitative techniques where analysis begins after the data collection process. Through qualitative techniques, Kellogs will be able to get attitudes and behaviours of a different class of shoppers. Qualitative method will focus on positivism paradigm this will enable the researcher to establish facts or ca uses of shoppers behaviours and attitudes. Opinions from the data findings will provide the necessary feedback to assess views of shoppers regarding Kellogs products performances in the markets. Because of the unstructured nature of qualitative techniques does have guidelines which will be used to explore research questions, this will act as a topic guide (Research development foundation, 1999 pp200). The checklists will include background information’s questions and the varieties of products of the company.Research methodsTo be able to understand the behaviours and attitudes of shoppers regarding Kellogs products and services via qualitative research, depth interviews and direct observations will be administered to a number of shoppers in a number of stores, supermarkets. The segments will involve teenagers and children who are accustomed to snacks, the next segment involves parents, households and individuals who are in use of cereals. The use of structured interviews will create one to one conversations that will aim of the research but is largely dictated by all kind of situations. The interviews can produce sensitive issues and respondents can answer in their own time in their own way.The use of questions gives the interviewer to get more information’s by using probing questions about the nature of the products; it also enables the interview to get information through interaction and genuine conversations. The interviewer does yield higher response rates mainly because it is different for the subjects to completely refuse to answer questions or to ignore the interviewer. It is also the best method that is flexible because it will enable the interviewer to adopt any kind of situations which will help the respondent to give relevant responses. The study will also use direct observation a technique that describes behaviours in a natural setting and is made possible by the use of participant observations, where the research will be part of the p articipants' understudy. This will be carried out with some of the children and teenagers who will be offered the snacks, during such interactions observations will then be made. The research will also take a systematic procedure for identifying information’s and how the data will be gathered this will be on the basis of a field diary, where the researcher will draw a stimuli from the chosen environment, which will be supported by the use of sound recordings and photographs (Bryman Bell, 2003 pp.14).

Forum Discussion on Marxism

Question: Discuss about the Forum Discussion on Marxism. Answer: Introduction Karl Marx lived in the 19th Century, an era that is very different from ours. It was the time when the major existing features of the society were beginning to take shape. Some of the vital theories of Karl included labor theory of value or the theories of profit. These have pertained to be outdated in the recent time in the new version of capitalism that is characterized by low wage rate and increased productivity (Stolze 1998). The intellectual conceptions and the collective economic change can be easily agreed with the fact that the actual concept of Marxism has completely lost its relevance in the recent time. Industrialization and globalization has brought the changes in this concept. Contribution of women in work had been considered as non-paid work. If the recent situation is considered, there is no doubt that girls and women have been doing better than boys and men in every field starting from school and education life to even the work life (Stolze 1998). In 1950, only one-third of the working women used to do paid jobs but the percentage of paid working women has been increasing since then (Sofronov et al. 2008). The situation is evident all over the globe in countries like Italy, Japan and the major developed nations like UK and US. There are misleading talks of womens entry in the work force but that does not going to change the actual situation of economy and societal condition. The concept of Marxism shall help to understand the workplace situation because Marxism is related to productivity and economy of business. In the recent time, production of goods and knowledge accompanied with skills has transformed the utopia of the earlier thinking related to work culture. Marx has significantly helped to create a vision of communism out of human and technological possibilities considering the changes in priorities in the society. Projecting the concept of Marxism from the past to the future, one shall be able to analyze the link between the economic and societal pattern in the work culture. This way the work environment can be easily understood. References: Sofronov, V., Jameson, F., Amariglio, J. and Madra, Y.M., 2008. The theory of Marxism: Questions and answers.Rethinking Marxism,20(3), pp.367-384. Stolze, T., 1998. Deleuze and Althusser: Flirting with structuralism.Rethinking Marxism,10(3), pp.51-63.

Leisure Essays - Leisure, Quality Of Life, Working Time, Retirement

Leisure John Bell Sociology 2/10/00 Where Is All My Time At? Leisure is defined as freedom from the demands of work or duty. Everybody needs leisure in their lives, to balance the stress of work and life. Leisure helps re-energize and relax people, so they can perform activities well in their lives. People use their free time (leisure time) in a variety of different ways; engaging in outdoor activities, entertainment like watching movies or television, or just having time to themselves.. Another activity people enjoy doing is just socializing with family and friends. Leisure is an essential part of our lives, and the only problem with leisure is when can we enjoy it? In our society we have a hard time finding time to relax and take a break from our stressful lives. The amount of leisure time a person has can be related to the type of person that certain individual is. There are many factors in which you can take in account: age, marital status, gender, families, etc. These factors figure into the certain stage of a persons life. There are three stages, beginning, mid-career, and near-retirement. The beginning stage involves people from the ages ranging from 19-30 years old. These individuals are just beginning their careers and are striving to be successful. They spend more time focusing on their job, trying to find ways to advance, and less time relaxing and enjoying leisure time. They compensate their leisure time for their careers. Mid-career stage includes individuals ranging from 30-50 years old. In this stage people have been in their field for some years and are settled down with families. In this time of their lives they will be looking for more leisure time, because they are going to want time away from work and time to be with their families. They basically know what their status is at their job and now find time to slow down and start focusing on other aspects in their lives. They might do this by cutting back on the hours they work a week. The near-retirement stage are individuals ranging from the ages of 50 and up. These people are on the verge of retirement and are planning what to do with the rest of their lives. After their careers are over they are going to have nothing but time on they hands. At this point of there careers they are working lesser hours and responsibility at their job is decreasing. This helps make the transition from working to retirement much easier. I made a survey and issued it to three people who fall into the three stages. The survey consisted of a variety of question like age, gender, occupation, wages, leisure time, and activities. The first individual who took the survey fell into the beginning stage. This person is a twenty one year old black male. He is a full time student at Illinois State and workers part time as a life guard at a indoor pool. He is not married and has no children. He works twenty plus hours a week and only makes $6.30 a hour. He works five days a week, but sometimes takes morning shifts on Saturdays. He considered leisure as any time away from work and school. He said he does not get a lot of leisure time, because he does not have any time to just relax. He has class all morning then in the evening he works and comes home and studies. The only leisure time he has is over the weekends. That time does not compensate for the stressful hours of work and school during the week. The survey of this individual from the beginning stage has shown me that being a full time study and working part time, leaves basically no leisure time. Also, shows how people in the beginning stage have no time to relax, because their schedules are so busy. Next I gave a survey to an individual in the mid-career stage. This individual was a forty year old Black male. He is married and has four children who ages range from nineteen to twenty six years old. He works construction and earns $40 plus an hour and works 30 hours a week. He said he has leisure and he uses it. He goes to bars with CO-workers after work some days, or comes home and socializes with his family. He said his leisure time is any time with family and friends and away from work. He said

SEVIS - visa de estudiante F-1 y de intercambio J-1

SEVIS - visa de estudiante F-1 y de intercambio J-1    El SEVIS es un formulario que deben cubrir y pagar los extranjeros que desean estudiar en Estados Unidos (F-1, F-3 y M-1) y los que aplican a una visa de intercambio J-1. Quà © es el SEVIS Es un programa del gobierno americano que sirve para controlar las escuelas, universidades y programas de intercambio que acogen a extranjeros y tambià ©n a estos durante su estancia en Estados Unidos. Es un sistema basado en internet que da acceso a diferentes agencias gubernamentales para que puedan tener conocimiento al momento sobre cierta informacià ³n sobre los extranjeros en programas de estudio o de intercambio. A quià ©nes aplica A los estudiantes que van a realizar a estudios para estudiar inglà ©s, universitarios, de posgrado y vocacionales para lo cual precisan de una visa F-1, F-3 para estudiantes fronterizos, o una M-1.  Tambià ©n aplica a la gran mayorà ­a de solicitantes de visas de intercambio J-1. Si se quiere estudiar high school, conviene entender cules son todas las opciones de visa. Cunto se tiene que pagar y cà ³mo Las tarifas actuales son de $200 para los titulares de las visas tipo F y M. Los de las visas J abonarn $180 con excepcià ³n de au pairs o nià ±eras y los participantes en los programas de trabajar y viajar en verano o que viajan a Estados Unidos como monitores de campamento, ya que sà ³lo deben abonar $35. El pago puede hacerse por internet en una pgina oficial rellenando el formulario I-901, siendo necesario tener una tarjeta de crà ©dito con la que hacer el pago. Al momento se recibe el justificante de haber pagado y debe imprimirse. Tambià ©n puede pagarse mediante Western Union o cheque en dà ³lares, pero es necesario que sea de un banco en los Estados Unidos. Adems, hay que tener en cuenta que las personas admitidas en ms de un programa debern abonar la tarifa para cada uno de ellos. Quià ©nes no tienen que pagar el SEVIS Las personas con visas derivadas, esto es, con una F-2, M-2 o J-2. Son los familiares directos del titular de la visa que viajan con à ©l o ella a Estados Unidos. Adems, no estn obligados a pagar esta cuota los extranjeros que aplican por una visa J-1 cuando à ©sta forme parte de un programa gubernamental de educacià ³n o de intercambio. Si no se est seguro de si se est dentro de esta categorà ­a se puede verificar el formulario D-2019, donde pone nà ºmero de programa si à ©ste empieza con la letra y el nà ºmero G-1, G-2 o G-3 entonces no hay que pagar por el SEVIS. Por à ºltimo, tampoco debern hacer este pago las personas con un documento D-2019 (para los que tienen las visas J-1) o un I-20 (para los estudiantes) que fue emitido con anterioridad al primero de septiembre de 2004. Cundo se debe hacer el pago Una vez que se recibe el formulario I-20 (estudiantes) o el DS-2019 (extranjeros en un programa de intercambio) pero antes de solicitar la visa y, por supuesto, antes de acudir a la oficina consular o Embajada americana para la entrevista. De hecho, al acudir a las instalaciones americanas debe llevarse un justificante del pago. Posibles problemas a tener en cuenta Adems, el pago del SEVIS tienen una validez de 12 meses. Si por cualquier razà ³n la peticià ³n de visa es rechazada y se vuelve a aplicar en el plazo de un aà ±o, no habr que pagar de nuevo por tal concepto (de SEVIS, sà ­ habr que abonar de nuevo la cuota del visado). Por à ºltimo, si no se consigue la visa porque la aplicacià ³n es rechazada no se recuperar el dinero pagado por el SEVIS (ni tampoco por haber aplicado por el visado). Adems, para obtener una visa no inmigrante, como la de estudiante o intercambio, y tambià ©n para renovarla es necesario cumplir dos requisitos: ser elegible para la visa y ser admisible a Estados Unidos. Si no se cumplen, habr problemas. Incluso puede ser negado el ingreso a USA por el oficial del control migratorio, aà ºn cuando se tenga una visa vigente. Estas son 20 causas que pueden convertir a una persona en inelegible (son comunes a la visa de turista) y estas son 22 que convierten a un extranjero en inadmisible.   Si se obtiene la visa, es muy importante estar en todo momento en situacià ³n de estatus migratorio vlido. Para ello evitar situaciones que pueden parecer poco relevantes pero que, en realidad, tienen consecuencias migratorias muy graves, por ejemplo, la posesià ³n de marihuana (mariguana, cannabis). De interà ©s para estudiantes internacionales (visa F-1) Estudiar en Estados Unidos es caro, por lo que es importante intentar obtener becas, por ejemplo, estas  13 universidades de à ©lite con admisiones need-blind (becas con todo -o casi-pagado) becan a todo tipo de estudiantes que cumplen los requisitos, incluidos los extranjeros. Y precisamente porque es tan caro, los estudiantes procuran realizar sus estudios en buenas instituciones. Y para los curiosos, à ©stas son las que conforman la famosa  Ivy League. Adems, para estudiar en un college o universidad de EE.UU. es necesario convalidar los estudios en organizaciones reconocidas por dichas instituciones. Una vez que se obtiene el tà ­tulo es frecuente que deba obtenerse la apostilla de la Haya para homologar los estudios en el paà ­s de origen del estudiante. De interà ©s para personas con visa J-1 Hay muchos programas bajo el paraguas de las J-1. Una de las que despiertan mayor interà ©s es la de  mà ©dicos para estudiar la residencia en Estados Unidos, pero hay muchas ms. Finalmente, la visa  visa O-1  puede servir de opcià ³n a la J-1 en algunos casos para algunos programas. Es importante familiarizarse con las posibles opciones segà ºn el caso de cada persona. Testimonial Lee esta entrevista a Miguel Pà ©rez, primero estudiante becado universitario y ahora residente permanente. Entre otras cosas muestra de una manera clara cà ³mo es posible ir cambiando de programas, siempre legalmente y conservando el estatus migratorio.   Este es un artà ­culo informativo. No es asesorà ­a legal.

Katelynn Sampson (Aboriginal foster child murdered) Essay

Katelynn Sampson (Aboriginal foster child murdered) - Essay Example One of Katelynn’s custodial parents, Donna Irving, was taken into custody followed a short time later by the other, Warren Johnson. In the days and months that followed, facts about Katelynn’s short life and sad death emerged. Her biological mother, Bernice Sampson, â€Å"pleaded to three counts of trafficking cocaine in 1998 and was sentenced to 18 months in prison† (Toronto Star, 2008). In January of 2008, Sampson was charged with drug trafficking again. If convicted on that charge she could be sentenced to prison which would have put Katelynn into the care of the Childrens Aid Society (CAS). Rather than risk having her daughter placed with CAS, Sampson voluntarily relinquished custody to Irving, who she called â€Å"her best friend.† One account says that Irving â€Å"gained custody of Katelynn through a family court application that did not involve any child and family service agency and showed no signs of a criminal-background check† (Toronto Star, 2008). Another claims, â€Å"The hearings before Ontario Court Justice Debra Paulseth involved Katelynns biological mother Bernice S ampson, the guardian now charged with her death, Donna Irving, and native family court worker Bela McPherson. Sparse and businesslike, the conversations were dominated by the legal requirement of determining Katelynns biological father and the need to move proceedings along† (Smith, 2008). If Judge Paulseth, Bernice Sampson, or Bela McPherson—someone had looked into Irving’s record, they would have discovered that Irving’s was no better than Sampson’s. â€Å"Irving was convicted in 2000 of communicating for the purpose of prostitution.  In 1999, she pleaded guilty to assault with a weapon and spent five days in custody and 18 months on probation. The year before, she was charged with possession of cocaine for trafficking—she entered a guilty

The problems caused by the cereal-cyst nematode (CCN) in many wheat Essay

The problems caused by the cereal-cyst nematode (CCN) in many wheat fields and Saudi Arabias huge amount of loss of underground water due to the attempt of becoming a major agriculture producer of wheat - Essay Example The writers determined the genetic basis of meloidoyne incognita –fusarium exosporium lycopersici disease which affected tomatoes as from the inoculations of progeny F2. The paper demonstrated the role of nematode in the disease interactions through resistance breakdown to F Oxysporum lycopersici in the presence of M. It showed that the cysts have a significant effect in the productivity of the important food crops. This paper evaluates the impact of the H.avenae on the spring wheat yields in Northwest Pacific. The condition had been observed on the fields but had not been quantified. It was motivated by the variation in infestation between the fields in dry land and irrigated fields. Heterodera avenae is widely distributed in the western US. These are the regions where wheat is grown in the non-irrigated winter wheat and summer fallows in the regions of low rainfall. The social and economic pressures have motivated growers to pursue a transition into the summer fallow rotation to the no till annual spring cereals. These cereals are also grown in the irrigated fields. Spring wheat was, therefore, planted without aldicarb in determining the relationship between H.avenae and the yields under the irrigated and dry land in moderately infested lands. From the research, the spring wheat productivity was negatively correlated with the initial H.avenae populations. This research paper aims to present valuable information and figures related to agricultural development plans in Saudi Arabia. This is done despite the unsuitable and harsh climate as well as other conditions for normal production in agriculture. This is because of the limited and deteriorating water availability for agricultural productivity. The paper focuses on the condition of Saudi Arabia in improving and increasing the production of agricultural products. The

Principles of Banking and Finance Essay Example for Free

Principles of Banking and Finance Essay What does Sub-Prime Crisis means? Sub Prime lending which is also known as near-prime, non-prime and second chance lending, means lending to people who might have trouble repaying the loan due to income ability or credit ratings which previously would not have been available to them. Credit ratings that might be not favorable to them with the standards set up initially by Financial Institutions slowly dwindle to less strict under-writing of loans. which could also due to an influx of foreign capital making lending easier to these group of people, the investment banks that sold the repackage mortgages to the consumers which is one of the way to fund for capital, and the Housing Urban Development of America policy to ensure that its citizens has access to mortgage loans easily. The cheaper interest rate packaged by the Financial Institutions which seems more affordable for the consumer for the first 1 to 5 years and the thereafter interest rate would have jumped significantly. The loans here generally referred to mortgage loans. The Crisis started or snowball into what it was in 2007 in my opinion was due to greed. Greed into thinking that the property boom would continue in perpetuity so that the borrowers could cash out more from their current property market valuation, with this cash out in terms of personal loan they could fund or finance their lifestyle be it buying a new property for investment purposes, to flip or for rental. For the luxury in life they choose to enjoy now, spending future money. As the economy slowed, jobs are being taken away from corporation in America to other countries which have a cheaper source of overhead expenses and manpower. People are being retrenched thus causing them to start defaulting on their loan repayments. A statistic done has shown that the American households do not have any savings but was laden with debt instead. The housing bubble burst, the market does not have that much capital as it used to have to continue to push property prices up anymore, thus causing the market to slow overall, foreclosures of their properties was happening. Consumers was also unable to obtain a refinancing which they had planned previously to lower their interest rate again when it went up, as financial institutions feel the pinched and controlled its lending. How did the Financial Institutions played a part in this? In the past banks have financed their mortgage lending activities through the deposits they receive from their customers. This has confined the amount of mortgage lending they could do. In recent years, banks have designed a new model where they repackage these mortgages to be sold to the bond markets. This has made it a lot easier to fund additional borrowing from the investors and interest rate was low. But it has also led to abuses as banks no longer have the incentive to check carefully the mortgages they issue to the lenders. The failure to check and curb lending in return for the possibility of profit was one of the causes. The first sign of the sub-prime crisis was as early as 2007 when HSBC Finance which is part of the banks north American subsidiary has to write off 880 million in sub-prime lending. The business has become unsustainable as borrowers started to default. The new model which we have come to know is known either as Mortgaged backed Assets or Collateral Debts Obl igations. The repackage mortgages are being sold to the bond markets, before they can be sold, credit rating agency will determine and give the model a rating. A credit rating for an issuer takes into consideration the issuers credit worthiness example its ability to pay back a loan, and affects the interest rate applied to the particular security being issued. These MBS or CDOs as it has come to know are usually marketed to countries which has a surplus in its balance sheet as it was generally known that Asians believe in savings rather than spending future money thus the products were usually marketed in Asia, It is allege that the rating agencies experienced from conflicts of interest, as they were paid by investment banks and other firms that organize and sell these structured securities to investors. If there are not to give favorable ratings to these products they risk the underwriter of these securities to another rating agency. It would be hard to sell these products if they are not being given a rating to begin with. Once they are sold the banks have in a way diverted part of the risk to the consumers. Investors should not rely too heavily on these ratings agencies opinions but instead carry out their own homework in the safeness of debt level as well as others related securities. Probably the opinions of the agencies enable them to get a conclusion, however based on past decade of event, it can only be consider as off base when it comes to the risk of credit event. Investors should try to put themselves in the shoes of the product pushers, asking themselves very important points like, why do you need to sell these products? Do you own any of these products yourself? If it is as good as you mention have the private investors bought and participated a substantial amount of their savings in it? Perhaps there need to be some form of intermediaries whereby no conflict of interest will affect their opinion and report of these products. A case study in Singapore itself which has made headlines during this crisis was the minibond saga which was being sold in Singapore by a couple of Financial Institutions. The originator of this series of structured products was the now defunct Lehman Brothers. The Minibond was being illustrated to the local consumer as a bond which is not the case it is actually a Collateral Debts Obligations. The relationship managers in banks are eager to sell the product because of the high commission and the consumer who are eager to buy because the returns are much higher than the fixed deposit being offered by the banks. An estimated of 500 million Singapore dollars was purchased for the Minibonds by consumers. It stirred a series of conflicts with the Financial Institutions that sold these products, the consumers cried fouled into being mis-sold of it, some of the consumers managed to get back part of their investment and vowed not to touch these structured products ever again. We can take a look back into the 1990s where one of the policy set up and enforce by the Housing and Urban Development of America, was one of the cause of the sub prime crisis. With the support of the government, HUD has less mortgage restriction requirements on its borrowers. The mandate was that Fannie Mae and Freddie Mac which was regulated by HUD, was to generate up to 8 million more homeowners in America. It was known as the â€Å"National Homeownership Strategy†. No down payment was required, 100% financing for the property was the norm. This was partly possible due to the influx of cheap money in the market, wit h this cheap money consumers speculated with the market, they kept buying new homes thus the good years of where the appreciation of the property keep going up. Financial Institutions dare to lend due to the market confidence that it can only keep going up, borrowers confidence that the market too can only keep going up. A check with HUD official website, apparently the US government is still supporting home ownership program without first addressing a stable income issue. Only with a stable income can a person make regular commitment to his or her housing loan commitment. Kudos to the Singapore government for taking appropriate actions during the last few years when their economy was recovering, the measures taken to prevent over speculation of the property market in Singapore. Homebuyers with the extra cash were snapping up properties, either for owner’s occupation or for investment purposes. The government either learned from the Sub-prime crisis or foreseen that if it continues the way it is going, a market crash might be imminent or the crash will be too fast and hard, no soft landing for the consumers. As they knew that property market have its up and down. Steps was taken, it used to be 90/10. Whereby the buyer have to come up with 10% cash and the remaining 90% can be financed through a financial institutions regardless of the number of property they currently owned. It was changed to 80/20 rule, 20% of which is the owner’s own cash an 80% through financing. Surprisingly it did not deter the consumers, the market still kept soaring. The next rule implemented was the 80/20 rule for first time buyers, meaning buyers without any current mortgage loan, for buyers with an existing mortgage which was not yet paid up; they are only eligible for 60/40. 60% financing for their new property and an increased in the stamp duty to be paid for to the government if it was their 3rd property for Singaporean. The hardest hit was the foreigners who are seeking to invest their money in Singapore properties as they have to pay additional 10% stamp duty which is likely to deter most of them. P rices still kept going up, the latest ruling was much more complex than the previous few. If one is looking at 80% financing one can only borrow up to the age of 65 years old and tenure of not more than 30 years. Which was not the case previously, in previous scenario it was dependent on different Banks guideline in Singapore, they could lend up to the age of 70, 75 or 80. They stepped in and put a cap at 65 as they believe that is the retirement age. If you want to extend your loan tenure your financing amount will drop to either 60% or 40%. I believe the government did this as they knew that the US is going ahead with Quantitative Easing 3, they want to prevent too much hot money from landing in Singapore shore. To sum up, we learned from our mistakes and grow not to make the same mistake twice. A healthy economy is based on real economic goods with value. Hopefully US can still continue to create innovative products like Apple and keep their manufacturing production in US soil, get employment rate up. The citizens have to maintain their expectations in terms of salary wise and spend within their means. Tighten up their way of lending and controlling Banks to a certain extent, a culture that is profit driven but with ethnics. Can heed the investment guru jim roger’s advice to focus on farming as there will be a food shortage in time to come. Induce good saving habits in everyone to save up for a rainy day. http://www.ethicalquote.com/docs/SubprimeMortgageCrisis.pdf http://news.bbc.co.uk/2/hi/business/7073131.stm http://en.wikipedia.org/wiki/Government_policies_and_the_subprime_mortgage_crisis http://www.washingtonpost.com/wp-dyn/content/article/2008/06/09/AR2008060902626.html http://www.thetruthaboutmortgage.com/mortgages-with-no-money-down/ http://www.telegraph.co.uk/finance/markets/2816291/HSBC-hit-by-sub-prime-crisis.html

The Standardized Testing Nightmare Essay -- High-Stakes Standardized Te

As children grow up some of their frightful memories include a visit to the dentist or to the first day in elementary school. Perhaps their greatest nightmare is standardized testing. Since starting school as first graders students are taught to test in the United States. In many cases students are placed in remedial classes or even held back because of their low grades. Many do not realize that the students with low grades are mainly students who are not good test takers, and educators start to believe that these students are low achievers. When educators do this, it leads the students to have lower self-esteem and encourages them to drop out of school later on. Students are also forced to memorize information merely as facts without sparking their creativity or enhancing their knowledge. Prior to the educational reform movement of the 1970s and 1980s, standardized tests were primarily employed as measures of student achievement that could be reported to parents, and as a means of noting state and district trends. (Moon and Brighton) Educators paid little attention to these tests, which had little impact on curriculum. In the continuing quest for better schools and high achieving students, testing has become a central focus of policy and practice. Standardized test are tests that attempt to present unbiased material under the same conditions and with consistent scoring and interpretation so that students have equal opportunities to give correct answers and receive an accurate assessment. The idea behind standardized testing is that these similarities allow the highest degree of certainty in comparing results across schools, schools districts, or even the state. As the high-stakes testing becomes more popular, stan... ...ndustrial nations in the Third International Mathematics and Science Study. He reported that tests measure exposure to facts and skills not whether o (Osburn, Ritter and Suitt)r not kids can think. (Osburn, Ritter and Suitt)â€Æ' Works Cited Bachelor, Denessa. "Are These Tests Failing?" April 2006. Hearts & Minds. 2013 . Longo, Christopher. "Fostering Creativity or Teaching to the Test?" The Clearing House: A Journal of Educational Stategies, Issues and Ideas (2010): 54-57. Moon, Tonya R and Catherine M Brighton. The National Research Center on the Gifted and Talented. Storrs: Center, 1991. Osburn, Monica Z., et al. "Parents' Perceptions of Standardized Testing: Its Relationship and Effect on Student Achievement." 2004. University of Arkansas. 2013 .

Polymerase Chain Reaction Problem Solutions with Assignment Help

Polymerase chain reactions are the specific terms used in stating different compounds and sates of the carbon compound which are specially used in a particular branch of chemistry called the organic chemistry. Polymerase chain reactions are the specific reactions which take place between several carbon compounds under particular circumstances. These invariably tough reaction chains are a part of the study of organic chemistry and thus the chain reactions are considerably hard to remember or to be memorized.Many individual students can be found who really struggle a lot in remembering these chain reaction solutions and putting the reaction chains in practical world implementation like the exam. Even the assignment problems specified with the polymerase chain reaction topic is really tricky and tough to complete as the writing procurement of correct reaction statements are not at all easy.Finding a help which eventually provides the correct polymerase chain reaction and reaction statem ent involvements, also is going to give you strong headache as you will not find any profound help which can help you in completing the particular assignment. â€Å"ASSIGNMEMTHELP. NET† is really a stand-alone online website which can be utilized to collect all the correct information and the polymerase chain reaction nomenclature. Polymerase chain reaction is the path of change and improvement of the states of the plastic molecules.Plastic is basically a carbon compound high on the carbon density and possesses plasticity. Thousands of individual plastic molecules get bonded together in the procurement of producing polymer compound from the pure plastic granules. â€Å"ASSIGNMENTHELP. NET† is such an educational website which involves the profound solutions providing procurements to the individual students who seek guidelines to write and complete any polymerase chain reaction assignment problem assigned to them with a specified topic involvement.Online tutorial videos and tutorial classes also can be considered as helpful consignments in completing any organic chemistry assignment problem. The help from the expert individuals with the approval from the expert panel of world renowned professors can be immensely helpful in completing any polymerase chain reaction assignment problem involvement as you get all the required help online with just few clicks of your mouse.You can opt for different communication establishment options that are available for you, which will really help you in finding better solutions and detailed information to complete one difficult polymerase chain reaction assignment problem. Certain communication options are available to choose from as you can opt for the email conversation where you will have to send one email containing the different aspects and required fields about which you need the information.You can also ask the direct question by email as you will get your point-to-point required answer completely free from a ny plagiarism. Also, you can opt for the live chat option or phone conferencing to discuss about the matter of your requirement. You will be amazed to see that the very website will take responsibility of providing you with several study materials and guidelines to write a perfect assignment on the particular topic once you get signed up with a considerable amount of signing up or admission charge to the website

Case Study - 2128 Words

Case Scenario of Natural Disaster The Privacy and security of patient’s health information is a important challenge and responsibility for every health care organization and a concern for every U.S. citizen. To receive healthcare patients must reveal information that is very personal and often sensitive. Most the patient-physician relationship depends on very high levels of trust at the same time they also trust health care organization, to protect their confidential healthcare information with belief of security and privacy. It is an ethical and legal responsibility for every health care organization to protect patients’ health information and should make a management plan for security and privacy of this confidential health†¦show more content†¦Health records will be damaged or destroyed because of the disaster. This is not good for the patients and will ask for their health records to find treatment at other hospitals that were not affected negatively by the disaster. However, after the di saster the responsibility of hospitals is to inform the patients that their health records or the information were destroyed. It makes every patient fill out a new health history and insurance form to rebuild the patient chart. â€Å"Health organizations should choose to maintain a log of lost or destroyed records, which will allow for easy retrieval of general information regarding the past event should any legal or accreditation issues arise†(AHIMA, 2003). â€Å"Once a disaster strikes and the disaster response plan is executed, post-disaster management is crucial. Documentation is a key main step in any disaster plan. The facility must prepare a detailed record of the disaster event that includes at minimum a list of patient records affected, recovery efforts taken, and outcomes. Reconstruction of information must be documented, including the method used, and the entry must be authenticated according to the facility s policy†(AHIMA,2003).In the case of electronic health records, if the organization has a backup plan and its data is stored in a secure remote location patient’s health information is not lost. The electronic health record plan ensuresShow MoreRelatedCase Studies : A Case Study Approach Essay1157 Words   |  5 PagesA case study is a specific instance that is frequently designed to illustrate a more general principle (Nisbet and Watt, 1984). Hitchock and Hughes (1995) further suggest that the case study approach is particularly valuable when the researcher has little control over evens. Case studies strives to portray ‘what it like’ to be a particular situation, to catch up reality and ‘thick description’ (Geertz, 1973) of participants’ lives experiences of, thoughts about and feelings for a situation. 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