The End of Play Essay -- Article Review, Marie Winn

A distant memory are the times of playing kickball and flying kites in the recreation center on a Saturday evening. Offspring of the present society would in all probability incline toward remaining inside playing Guitar Hero on their Xboxes or viewing the most recent scenes of their preferred TV program during their spare time. The ideal opportunity for inventive and physical play is gradually being pushed to the side as the years cruise by, and room is being made for unfilled, repetitive network shows and computer games. The quintessence of youth play is continuously lessening as the present society empowers growing up as fast as could reasonably be expected. During the time spent permitting youngsters to enjoy as much TV and computer games however they see fit, issue of youth stoutness is presented since open air play and physical exercises are not critical to the present kids any longer. Kids ought to have a limited measure of time on the amount they are permitted to sit in front of the TV or play computer games with the goal that they get familiar with the significant advantages of outside and innovative play, at last coming about to a more beneficial way of life. In Marie Winn's article named â€Å"The End of Play†, she talks about the subject of how youngsters today are appearing to lose the feeling of being a kid. Contrasted with offspring of past ages, the offspring of the present society have equal interests and occupations of cutting edge grown-ups. (Winn 1). They appear to put some distance between their internal identity and jumping directly to adulthood. A kid a few decades back would be effortlessly recognized from a grown-up because of their inclinations, yet from that point forward TV and computer games have supplanted the inventive play that youngsters once appreciated. (Winn 2). In Winn's article, a parent of two young kids specifies that s... ... connections to be molded adequately. (Winn 29). The issues of losing the pith of being a kid, the support of stoutness and the failure to work socially have one regular factor that integrates them. They are for the most part contrarily affected by the nearness of TV and computer games. The guideline of TV and computer games has not been brought to consideration up to this point, however is it past the point where it is possible to turn around the impacts it is having on the current age of kids? Very little should be possible to fix the tolerance society has took into account the past couple a long time but to instruct the youngsters and execute more limitations on what is being communicated and promoted towards their age gathering. The kids are a significant major to society since they are, all things considered, the ones who will run our future and ages after the following.

The Death of a Turret Ball Gunner and Facing It A Comparison Essay Example

The Death of a Turret Ball Gunner and Facing It: A Comparison Essay War incites numerous emotions in those that have encountered it and it incites every one of those men in an unexpected way. For example, in the sonnets, â€Å"The Death of a Turret Ball Gunner† by Randall Jarrell and â€Å"Facing It† by Yousef Komunyakaa. These two sonnets, both comparative in subject, have significant contrasts. In â€Å"Facing It† the sentiments of the creator are solemn and uncomfortable, while in â€Å"The Death of a Turret Ball Gunner† the creator appears to be practically indifferent. In Komunyakaa’s sonnet, the creator is currently a survivor, while in Jarrell’s the trooper is perished. In the sonnet â€Å"Facing It† the creator, when talking about war, is alluding to other people, while in Jarrell’s sonnet he is discussing himself. This factor gives Jarrell’s sonnet an increasingly close to home inclination. In â€Å"Facing It† you are inside the author’s head on the whole through his portrayal. Be that as it may, in â€Å"The Death of a Turret Ball Gunner† he is talking about himself in past tense. This permits the perusers to make a stride back and make their own deductions. In â€Å"The Death of a Turret Ball Gunner† the creator keeps his words and whole sonnet brief. Interestingly, â€Å"Facing It† is to some degree long. For this situation it appears to permit Komunyakaa to completely clarify his encounters just as his inclination while visiting the Vietnam Veterans Memorial. In Jarrell’s sonnet the peruser is compelled to envision how he should feel or precisely how the experience more likely than not been. â€Å"Facing it† shows the issues Komunyakaa has managing his encounters in war. We will compose a custom article test on The Death of a Turret Ball Gunner and Facing It: A Comparison explicitly for you for just $16.38 $13.9/page Request now We will compose a custom article test on The Death of a Turret Ball Gunner and Facing It: A Comparison explicitly for you FOR ONLY $16.38 $13.9/page Recruit Writer We will compose a custom article test on The Death of a Turret Ball Gunner and Facing It: A Comparison explicitly for you FOR ONLY $16.38 $13.9/page Recruit Writer In lines 29-31, he states, â€Å"In the dark mirror a woman’s attempting to eradicate names: No, she’s brushing a boy’s hair (pg. 947. ) It appears he can't watch somebody perform such a trivial activity without bouncing to an inappropriate ends. While in Jarrell’s sonnet it is a remarkable inverse in that it appears as if he could think less about what has befallen him. For instance when he states in line 5, â€Å"When I kicked the bucket they cleaned me out of the turret with a hose (pg. 21. ) He is suggesting that the military was both unfeeling and impassive with respect to his demise. With which the creator additionally is by all accounts in agreeance with. These two sonnets, both offer a fundamentally the same as subject. They are likewise both by men who have encountered something significant. Despite the fact that they may appear to be so comparative they are both totally extraordinary. Each individual will consistently have various responses to a significant circumstance regardless of how comparative they may appear.

Is It Possible to Take an Adderall Overdose

Is It Possible to Take an Adderall Overdose Addiction Drug Use Prescription Medications Print Is It Possible to Overdose on Adderall? Adderall Is a Popular Study Drug That Is Often Abused By Amy Morin, LCSW facebook twitter instagram Amy Morin, LCSW, is a psychotherapist, author of the bestselling book 13 Things Mentally Strong People Dont Do, and a highly sought-after speaker. Learn about our editorial policy Amy Morin, LCSW Updated on January 28, 2020 Jonathan Bielaski / Light Imaging/First Light / Getty Images Plus   More in Addiction Drug Use Prescription Medications Cocaine Heroin Marijuana Meth Ecstasy/MDMA Hallucinogens Opioids Alcohol Use Addictive Behaviors Nicotine Use Coping and Recovery Adderall (amphetamine dextroamphetamine) is commonly prescribed to treat ADHD and narcolepsy. It’s considered a schedule II controlled substance with high potential for abuse. It is possible to overdose on Adderall. In some cases, an Adderall overdose can be lethal. Standard Dose Adderall increases alertness, attention, and energy by increasing the activity of dopamine and norepinephrine in the brain. The standard daily dose of Adderall is 2.5 to 60 mg daily. It is available in 5 mg, 7.5 mg, 10 mg, 12.5 mg, 15 mg, 20 mg, and 30 mg strengths. It’s also available in an extended release (XR) 15 mg tablet. Like with most medications, Adderall can cause side effects even when it’s taken as prescribed and in a low dose. Common side effects of Adderall may include: Loss of appetiteDry mouthWeight lossDiarrheaStomachacheDizzinessInsomniaHeadache These side effects usually aren’t serious. However, if you experience side effects, it’s important to communicate the issues with your doctor. Your physician may offer advice on how to reduce side effects, change the dose or switch you to a different medication. You should never take more than your prescribed dose and you should never take anyone else’s prescription medication. If you think your current dose isn’t effective, talk to your doctor. Don’t attempt to resolve the issue by taking a larger dose. 7 Tips for Preparing Yourself to Take ADHD Medication Misuse and Abuse Adderall is a commonly abused prescription drug. It has been linked to enhanced cognitive function and academic performance, making it a popular drug among high school and college students. Non-medical use of Adderall has a high potential for abuse and dependency as well as potential adverse effects. Misuse of a prescription drug involves: Taking medicine in a way or dose other than what is prescribed (such as crushing pills, snorting the powder, or dissolving the powder from a capsule into the water and injecting the liquid into a vein, etc)Taking someone else’s prescriptionTaking medicine to get high, rather than to reduce symptoms Misuse of Adderall increases the likelihood of an overdose. It also increases the risk of a substance use disorder. A 2016 study published in The Journal of Clinical Psychiatry found that nonmedical use of Adderall by adults had gone up by 67 percent and emergency department visits involving Adderall went up by 156 percent between 2006 and 2011. The prevalence of Adderall abuse may be underreported, however. A 2017 study published in Drug and Alcohol Dependence, however, found that Adderall abuse may be underreported in surveys. In a study of almost 25,000 high school students, 28 percent of students who used Adderall denied that they used the drug, suggesting that amphetamine abuse may be greatly underreported in surveys. In a 2008 study published in The Journal of American College Health, 34 percent of students reported the illegal use of ADHD stimulants. Most students reported using them during times of high academic stress and they said the pills helped reduce fatigue and increase reading comprehension, cognition, and memory. Many of the students had little information about the risks associated with stimulant abuse. They said the drugs were easy to access and felt that abusing them was stigma-free. Some people report abusing Adderall in an effort to offset the effects of alcohol. Individuals who take Adderall may report not getting as drunk as they normally would. This can cause them to drink more alcohol, which can lead to serious impairments or even death from alcohol poisoning. Chronic abuse may lead to symptoms such as: Severe rashInsomniaIrritabilityPersonality changes Overdose Ingesting too much Adderall can have serious effects and in some cases, an overdose can lead to death. The amount that could lead to an overdose varies from person to person. Some people are more sensitive to stimulants than others. Death from amphetamine has been recorded with as low a dose as 1.5 mg/kg of weight. It can also be lethal to animals. An Adderall overdose involves excessive stimulation of the sympathetic nervous systemâ€"which is responsible for activating the fight or flight response when there’s a sign of danger. Symptoms of Adderall Overdose Mild Confusion Headaches Hyperactivity Nausea Vomiting Rapid breathing Stomach pain Severe Hallucinations Rhabdomyolysis (Breakdown of muscles) Tremors Heart attack Fever Aggressiveness Panic Death An overdose may be intentional or it could be accidental. Drug Interactions It’s possible to overdose on less than the average lethal dose if you’re taking other medications that interact with Adderall. Monoamine oxidase inhibitors (MAOIs), for example, can increase the effects of Adderall and increase the risk of overdose. Common MAOIs include: Phenelzine (Nardil)Isocarboxazid (Marplan)Selegiline (Atapryl) Taking CYP2D6 inhibitors, while taking Adderall, can  increase the risk of serious side effects. Common CYP2D6 inhibitors include: Cinacalcet (Sensipar)Buproprion (Wellbutrin)Paroxetine (Paxil)Fluoxetine (Prozac)Quinidine (Quinidex)Ritonavir (Norvir) It’s important to talk to your doctor about any medications that you’re taking. This includes vitamins, over-the-counter medications, and nutritional supplements What to Do If You Suspect an Overdose If you suspect that you or someone else has overdosed on Adderall, seek emergency treatment immediately. If you are in the United States, call the Poison Control Center at 1-800-222-1222 or contact your local emergency services. Treatment for an overdose may involve administering activated charcoal to help absorb the medication You may also need to get your stomach pumped. In the case of serotonin syndrome, you may be given a medication to block serotonin. A Word From Verywell Adderall provides many benefits when it’s taken as prescribed. If you have concerns that you or your loved one might develop side effects or be tempted to abuse a prescription, talk to your doctor. It’s important to work closely with a doctor to ensure that treatment is safe and effective. How Can Taking Stimulants Help Your ADHD?

A Trip On Vacation With Other People s Families - 1098 Words

Going on vacation with other people’s families was not foreign to me. I had gone on beach trips three times before Hot Springs. Therefore, I was used to going on trips without my own family, but this trip was very different. This trip was nothing like the other trips I had gone on. This one would would introduce me to more people than I can even count. Marjorie Ann, Lilly, and I have been my â€Å"nickels† for about a year now. I call them my â€Å"nickels† for reason I honestly cannot remember, but it has stuck. We were brought together by our brunette hair since we carry the dominant genes in our larger friend group. About two weeks before the fourth of July, I was at home depot when Lilly Hunter texted Marjorie and I about our plans for the upcoming holiday. She wanted us to come with her to Hot Springs, Arkansas for her great- grandmother’s 99th birthday hoorah. We both quickly replied eagerly letting her know we would come. Marjorie Ann had been at th e beach, I had been at the beach, and Lilly had been at home in Oxford. We had not seen each other for about two weeks. Lilly Hunter is not a good person when it comes to letting you know information about a trip. Marjorie and I had to almost literally pull the information out of her. We finally received details about the trip such as what to wear, bring, where we would be staying, and who would be there. A couple day later, we were piling into Mrs. Sloan’s car. Mrs. Sloan is Lilly’s mom and is one of the most hospitable people IShow MoreRelatedVacation : Cologne, Germany Vs. Kingston, Jamaica969 Words   |  4 PagesVacation: Cologne, Germany vs. Kingston, Jamaica Each and every person has their own idea of paradise. Millions of vacations are taken on every continent each year, and each country, state, and town holds an entire different world of adventure. For some, a beach with a calm breeze maximizes relaxation, for others, it may be a frigid mountain top. I, on the other hand, enjoy all sorts of vacation types. I enjoy fast pace adventure just as much as I enjoy slow pace admiration. Both Cologne andRead MoreLegendary Destination : A Destination Vacation1413 Words   |  6 PagesLegendary Preferred Destinations: Take a Vacation That s Legendary Legendary Preferred Destinations offers travelers who seek excitement a one of a kind vacation experience. With popular venues throughout Mexico and the Dominican Republic, this bespoke vacation club provides the finest resorts and facilities to each guest. Explore the stunning beaches and historical sites while basking in the tropical weather. Build lasting memories during a couples or family trip that nothing less than legendary. 2Read More My Summer Vacation in Florida Essay1288 Words   |  6 PagesHave you ever been on a vacation? To me a vacation is a time to be with friends or family. When I think of vacations, I think of packing, the flight or drive, and relaxation. Not only is it very exciting to go on a vacation, but you get closer to the people that go with you. Linda, my best friends mom had asked me if I would want to go with their family to Florida. When she asked me I thought she was kidding, but when she said, I need to know because if you are I need to get you a airplane ticketRead MoreConsidering Booking Your Next Trip Online1359 Words   |  6 PagesI’ve asked many people do they book their travel on-line or by using a travel agency and you would be surprised as to how many people say that they so it themselves and have horror stories to tell. So, here are a few questions you need to answer when considering booking your next trip online. Are you an expert as to where you are going? How many â€Å"hours† do you spend trying to figure out where to stay, what to do, and is this a good location to what I’m going to be doing? 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This misinformation can be corrected by a bit of research into what a charter actually offers. A charter can make a boating experience more personal, relaxing, and enjoyable for all theRead MoreGraduation Speech : Year Round Schooling1635 Words   |  7 Pagesyear-round to increase educational time and decrease the loss of knowledge over the breaks. It gives students the same time to relax and plan family vacations periodically throughout the year, but never creates the stress of changing sleep schedules that summer break changes. Not only is it a good way to enhance education, but it also is better for planning family events, positive effects on budget, academic achievement, and could decrease the absence rate of students. There is controversy over whetherRead MoreFood Is Good By Anthony Bourdain917 Words   |  4 Pagescan change a life. In the article, Bourdain reflected on his family vacation to Europe, which piqued his curiosity for food and started his passion. To begin with, Bourdain first trip was to his father’s ancestral homeland, France. The Bourdain family summer vacation started from New York to France, traveling on the Queen Mary. The creamy soup filled with potatoes, vichyssoise, was Bourdain first indication that food was something other than a substance. It was the first food he enjoyed. It wasRead MoreMy Vacation - Original Writing1715 Words   |  7 Pagesenjoy my measly two weeks of vacation while I can. We will then reluctantly return with embarrassing raccoon eyes from falling asleep on the beach with our sunglasses on and get back to work. When Sharon, between gum snaps, peers over the cubicle wall and asks how our vacation was, we ll merely shrug and say, Relaxing. And then it s back to waiting for the next opportunity to return to Kokomo. While this type of vacation may be rejuvenating and necessary for some people, more American travelersRead MoreTravel Writing : The Perfect Synthesis Of Work And Vacation1405 W ords   |  6 Pages The purpose of a vacation is to take a break from work and free one s mind from the daily grind for a short while so as to be rested and recharged when you return. The only thing better than a vacation is a paid vacation, but that s something of a luxury. However, there are ways to turn a vacation into something that pays, accomplishing two things at once with a workload that won t disrupt the relaxed flow that makes these trips worthwhile. Travel writing functions as the perfect synthesis

Qualitative Research Within The Criminal Justice Field

A article, which could complements this current course, could be Using Agenda for Qualitative Data Analysis, by Terance Wolfe. The pages, which would complement the class, are pages 261 through page 274. This could be useful for the class because it goes more into details on how to use Qualitative Analysis in the field through the use of agenda. Not only can it be use to better understand qualitative analysis but it is another aspect of understand how to conduct a qualitative research within the Criminal Justice field. This journal has four objectives, â€Å"†¦briefly reviews the current state of qualitative data analysis†¦ overview of the structure of the agenda programs†¦ the relationship between agenda’s capabilities and the tasks of qualitative analysis†¦ summarizes the strengths and limitations of agenda for qualitative date analysis,† (Wolfe, page 261). From the four objectives Mr. Wolfe goes into details about how there is different stages of the qualitative research, which still needs to be expand upon for better understanding. These four objectives lead into the next half of the article, which understands what AGENDA is and evaluating the program. Mr. Wolfe states, â€Å"In evaluating AGENDA for use in qualitative data analysis, it is discuses in terms of its ability to handle the basic tasks of qualitative research as well as satisfy the criteria against which field work methods should be assessed,† (Wolfe page 264). These criteria come in the form of recording, storage,Show MoreRelatedQualitative vs. Quantitative Research742 Words   |  3 Pagesï » ¿ Quantitative vs. Qualitative Introduction Qualitative research is designed in general to try and understand and interpret social interactions, according to Xavier University. 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Criminology and criminal justice also have their own set of terminology in topics regarded to the theoriesRead MoreGathering Research Data Paper1191 Words   |  5 PagesGathering Research Data Paper Lashonda Bragg CJA/334 March 26, 2012 Glen Winters Gathering Research Data Paper Gathering data and researching material is very important within the criminal justice system. No matter what profession one may have within the judicial system, researching information is something that has to be done at one time or another. Within this paper I plan on discussing what I’ve learned about research for criminal justice and its criteria. EmphasesRead MoreResearch Process and Terminology Paper1066 Words   |  5 PagesResearch Process and Terminology Paper CJA/334 Research Methods in Criminal Justice January 10, 2012 Abstract In this paper you will learn the process of research. Anyone can research but in order to research correctly, one must know the language and process. As always when researching the reason one is researching to find new information. This is when one will familiarize their self with new research terminology as well as knowledge. When one describes the research process it should contain;Read MoreDoes Research Design Affect Study Outcomes in Criminal Justice?1337 Words   |  5 Pages Lum, C., Petrosino, A. (2001). Does Research Design Affect Study Outcomes in Criminal Justice? The Annals of the American Academy of Political and Social Science. 578 (1): 50-70. Within social science, as well as pure research, there seems to be a continual and ongoing debate about qualitative and quantitative research. Some take the view that, All research ultimately has a qualitative grounding, while others believe Theres no such thing as qualitative data. Everything is either 1 or 0 (HoweRead MoreReasearch Article Analysis1251 Words   |  6 PagesResearch Article Analysis CJA-334 November 7, 2011 Research Article Analysis The purpose of this essay is to analyze a research peer-reviewed article in criminal justice. In this case, I chose to analyze the research conducted by Hurst, McDermott, and Thomas (2005) titled, â€Å"The attitudes of girls toward the police: differences by race.† Some of the things I will look to analyze are: to identifying the purpose of the article, the problem, the design of the study, the operationalRead MoreGathering Research Data1121 Words   |  5 PagesPolice work can be very dangerous. An officer never knows what will happen to them when the put on their uniform and go out on the streets to protect and serve. A routine traffic stop can become deadly within a few moments. Furthermore, there are police officers who pursue very powerful and violent criminals. At any given point, their pursuit can become fatal. 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It does not have a control group or require the researchers to impose variables and is not going to be sufficientRead MoreCriminology : A Strange Beast1582 Words   |  7 PagesCriminology is a discipline that has a variety of other disciplines which seek to construct and theorise explanations and possibilities as to why crime occurs in particular places, ways and too and by certain people. Due to differing field areas interlinking Newburn (2013: 6) described criminology as ‘a strange beast’ by coherently joining conflicting disciplines to try and theorise crime. Walklate (2011) suggested the other disciplines are not only a wide variety but are also highly thought provokingRead MoreStatistical And Quantitative R esearch Methods1150 Words   |  5 PagesJSB273 CRIME RESEARCH METHODS ASSESSMENT ONE - ESSAY Qualitative and Quantitative Research Methods Jaimee Baird N9155465 Lecturer: Claire Ferguson Thursday 11am – 1pm C405 In submitting this work I declare that, unless otherwise acknowledged, this work is wholly my own. I understand that my work may be submitted to SafeAssign and consent to this taking place. Word Count: Declaration of Authorisation â€Æ' Introduction Qualitative and quantitative research methods are two most common

Philosophy of Health Care for Women Free Essays

Philosophy of Health Care for Women The enhancement of my philosophy of health care for women, through a re- examination of my original three specific concepts emotional, social and spiritual which I would blend with my knowledge that I have gained In this course. Also, how it Is related to the actual clinical care of women. At the end of this quarter, my philosophy of health care for women as expanded. We will write a custom essay sample on Philosophy of Health Care for Women or any similar topic only for you Order Now The health of the women In any society Is the most essential piece of the health care system In countries around the world. I still believe that the health and well-being of women will determine the future empowerment and economic strength of women-owned businesses In the communities. This Is also the belief of Wall-Mart’s (2011) global women’s economic empowerment Initiative to Improve elite of women and children. It often Involves the empowered developing confidence In their own capacities, In caring for themselves and their families in order to feel empowered. According to Kali (2008) empowerment refers to increasing the spiritual, political, social and economic strength of individuals in the communities. The important part of this empowerment process is helping women understand how their bodies work. Self-Knowledge on a physical and emotional level helps women feel in control of the things that can be controlled. During my clinical care of women this quarter my preceptor and myself encounter a lot of women want to and do make their own decisions. For an example one of our patients took the decisions upon herself that she does not want Pesaro in for support uterine prolapsed. She is 31 years old, GIG 3, PIP. Her religion would not allow her to use any preventive contraceptive. Instead of doing surgery or putting foreign thing in her body she stated that, she still believe that her God will heal her by doing exercise and come back for follow-up in six weeks. In this situation it took gentle, yet firm, teaching of practical skills, informing all of the options of care, and much encouragement to dealt with the care of the woman. I see my role as a women’s health nurse practitioner, as an assistant to the autonomous decision making process of Informed consent; to lay out the options of care for women, answer their questions, give my opinion upon asking, and support heir decision, is the most Important, empowering step In actualization women’s autonomy. As I mentioned before In my first paper that, we look at our bodies, minds, emotions and spirit as If each part Is fully separate from the other rather than totally Intertwined. Western society rewards specialization, the examination of a piece of the whole, Gurus (2001 Every society In the world has felt the need to thoroughly socialize Its citizens Into conformity with Its norms, and colleens derive many benefits technology reflects and perpetuates the value and belief system that underlies it. Pregnancy and chill tidbit is a crucial time in a woman’s elite tort near to explore empowerment. For an example, one of the books that I read this quarter in the Conceptual Frameworks for Women’s Health course by Robbie Davis-Floyd (2004), has written a brilliant feminist analysis of childbirth rites of passage in American culture. These rites, she argues take away women’s power over their bodies, naturally designed to bring life into the world and for no physiological reason give it to the medical system. She believes that society, intimidated by women’s ability to give earth, has designed obstetrical rituals that are far more complex than natural childbirth itself in order to deliver what is from nature into culture. Finally, my philosophy of health care for women at the end of this course is that, women deserve the best that is available in modern medicine; the technocratic, humanistic, and holistic models of medicine also, combined with clear communication and education through the best evidence-based research from health care providers How to cite Philosophy of Health Care for Women, Papers

Australian Prudential Regulation Authority

Question: Discuss about the Australian Prudential Regulation Authority. Answer: Introduction In comparison to other countries or other industries, Australia has knowledgeable main variations to its monetary and economic system in new periods. TheAustralianmonetary organizationcontains of the preparations cover the appropriate taking money and lending of funds and the transmission of possession of monetary rights in Australia which consists of the derivative business places, insurance, banks, credit unions, debt and equity market. The clear result has been an alteration in the Australian commercial and business organization from a comparatively locked, monotonous assembly in the 1950s and 1960s, based mainly on historical bank connection, to a more exposed and modest organization and are offering or giving various types of services or offerings in comparison with any other industries. The financial or the monetary system is being driven by the forces of the fair or the market which is solely dependent on the economy of the market and what the market needs. A procedure analogo us to that understood in Australia has remained experimental and broadly deliberated in the United States underneath the general caption the deterioration in outdate investment and banking. Amid the assortment of inspirations on monetary-sector expansion, three chief services can be tinted. The first can be said as the part of monetary controlling strategy, to an significant gradation, formed the comprehensive tendencies in groups marketplace shares in fresh periods. There were many development in the system due to progressive technology and due to this plummeting the price of many knowledge oriented monetary doings and also new products and activities are available. System possessions more than crumpled as a relation to GDP among the 1960s and 1990s, with abundant of that development occurring in the instant post-deregulation retro in the additional half of the 1980s.A major part of the monetary system, and widely examined away, was the recognition prosperous which shadowed monetar y deregulation. This singularity, and its communication with economic progresses in the 1980s, underwrote to development of the monetary segment in an amount of methods. Influence within the Australian business sector has conventionally been moderately little, and this remnants the circumstance despite a considerable surge in corporate copying in the late 1980s. The debt to equity ratio is comparatively same with compared to other countries like United States, Japan and other countries. Till the 1950s, monetary intermediation was mainly identical with investment and banking. We can also see that, until the 1950s, monetary intermediation was principally identical with banking. Finance business was fundamentally a low-risk proposal showed at controlled values and fees.. Thecommercial transaction or better known as banking business inAustraliacontains of a number of banks approved and qualified to carry on investment and banking business under theBanking Act 1959, distant banks approved to function through a subdivision in Australia. While conversation of the upcoming construction of the investment or the banking industry was to a large gradation hypothetical, the Group was interested in explanations that some contributors in the business anticipated a major and a vast charge in the near future. In contradiction of the contextual of these expansions, banks have their mark increasingly on the mushrooming retirement and funds-management subdivision as a possible long-ter m counterbalance to these compressions and burdens. We can say as an example approx. $40 billion, or 15 per cent of retirement possessions or properties are presently held as bank safeties or credits with economic establishments, a momentous amount of these organisations accountability base. The banks undoubtedly know that there are compensations and advantages to be increased from joining and uniting their connection part with funds-management activities, and have strapped for payment of more through participation in retirement time, and in recent times there has been overall introduction of investments or funds in over the counter. Thebanking sector inAustraliacontains of a number of banks approved and qualified to carry on investment and banking business under theBanking Act 1959, distant banks licensed to function through a subdivision in Australia, and Australian-incorporated foreign bank companies. Various organisations like mutual funds, credit unions provide banking facilities. Officially, there is widespread and detailed regulation of Australia's banking system, split mostly between theAustralian Prudential Regulation Authority(APRA) andAustralian Securities and Investments Commission(ASICAustralia Reserve bank plays a significant participation. Though, in repetition, Australian banks are autonomous and are regulated by themselves through External Dispute Resolution (EDR) arrangements, the most protuberant is theFinancial Ombudsman Service (Australia)(FOS). The ASIC is responsible for the integrity and the prosperity of the financial organisations. The fast growth of banks' national financial statements which have full-grown at an regular yearly rate of 13percent meanwhile from 1985 and both the demand and supply factors and introduction are introduced. Currently there are 53 banks which are functioning in Australia, and in those 54, 14 are owned by the country. In totalling to the four major banks, there is a collection of five Australian-owned banks occasionally denoted to as the regionals, sparkling their innovative emphasis mainly on the retail sector. The Banking system or methods of Australia in the history was one of determined country for legality, not so prosperous, broken and public bitterness. With the flow of past 15 years, each of the four main Australian banks, while obeying with the progressively severe supplies of controlling figures, testified at least one main monetary blooper. A one-off simplification of limitations on foreign bank admission in the mid-1980s, and the additional exposed policy of entry accepted in the early 1990s, saw the overseas bank attendanc e increase, in part at the expenditure of the mercantile sectors of bank The banking organisation has literally struggled to achieve great success overtime. Three main administration investigations into banking were showed in Australia between 1981 and 1996. It gave lawfulness for both the administrations and the banks; for administrations since the very establishment of an investigation established an obligation to answerability and community concentration questions. Banks are also topic to duties under theAnti-Money Laundering and Counter-Terrorism Financing Act 2006as "reporting entities. Until the 1980s, recognition unions and construction societies produced muscularly, largely because they were subject to rarer guidelines than banks in 1985, there were 60 building societies and 400 credit unions effective in Australia. Banks confronted slight modest heaviness from other organisations, where rapid development had not started yet, and the organization was not exposed to foreign bank entrance or to offshore communications. Banks went through an extended period of declining market share during the 1960s and 1970s, when equivalent advantages were made by non-bank monetary mediators, particularly construction societies, economics corporations, commercial banks. A huge amount of considerable growth of non-bank monetary organizations (NBFIs) not united to the national investment subdivision. In some of the cases, these organizations were possessed by distant banks that required a monetary attendance in Australia but were prohibited from founding a proper and prescribed commericialprocess by the real suspension on new foreign banking establishments before 1985. A one-off simplification of limitations on foreign bank admission in the mid-1980s, and the additional exposed policy of entry accepted in the early 1990s, saw the overseas bank attendance increase, in part at the expenditure of the mercantile sectors of bank. Two overseas organisations functioned uninterruptedly as official banks in Australia in the post-war period prior to 1985.17 The nonappearance of a wider overseas banking attendance reproduced the suspension on distant bank entry, deliberated beforehand. The appearance of a distant bank presence in Australia in the nonappearance of official foreign banks signifies what, with retrospection, seems to give the novel method to the meaning of banks and non-banks inside the Banking Act 1959. The experience of having the overseas or the foreign banks response is quite neutral. The new entries are quite competitive in nature. On the comprehensive part, foreign banks sustained their commercial banking doings and in that domain were pioneering in merchandise progress and in monetary and derivative markets. At the end it is being noticed that the foreign banks were not able to make an influence or impression on the central place of the Australian banks in the merchandising and saleable market, where huge client permissions or branches had been recognized through widespread division systems. Foreign banks were heartened to smear for approval anywhere and in any amount, on condition that they met the entrance necessities, they were allowed to assume either secondary or subdivision constructions (Brian, 2005) Many overseas banks were against this but the rule was not changed and was universal. From 1992 the number of entries of foreign banks increased simultaneously (Henry, 2011) Inclusive, though, the happenings of external banks continued comparatively unimportant likened to the long recognized Australian banks. Respective part of lending and borrowing system resources rose to 14 per cent by 1996 as a consequence of fresh entrants but with only slight exclusions, their doings continued profoundly absorbed on extensive or recognized marketplaces (Financial stability review , 2006) Australia is placed as the ninth main as exchange fair in dollars or any overseas country and the sixth principal interest rate futures market in the creation. Foreign banks as a group were the firmest hit with losses totalling to 30 per cent of their capital in 1990 alone. Among 1986 and 1990, collective foreign bank sufferers engrossed an quantity equal to their original start-up capital. The risks can be faced by the foreign banks by opening branch in Australia can be the credit, liquidity, business risks. "Australia's main banks have been mounting their CRE contacts self-effaci nglyin new years, and are thus susceptible to the dangers from developed jobs rates in Brisbane and Perth and payment risks from a potentialresidential apartment oversupply in Sydney, Melbourne and Brisbane," saysMaadhavi Ramanayake, a Moody's Associate Analyst. As seen, the Reserve Bank's threat organisation rule covers financial marketplace, credit, operative and other risks characteristic in resounding out its main banking actions, but not the risks linked with the Bank's core economic, economic solidity and outgoings procedure occupations.It is debatable whether a foreign bank facing complications would deliver or say all its issues to the Reserve bank thereby providing an chance for early action by the Reserve Bank. Correspondingly, it would be both difficult and luxurious for the Reserve Bank to display the processes of a foreign bank with an Australian division to measure for itself the risk of that bank being incapable to meet its duties (Irvine, 2007) After all the permutations and combinations and seeing all the risks the country would face by the banks set up or vice versa, Brilliant bank would now apply for the banking license in Australia. Its not easy to get a banking license. To function as an ADI in Australia, the potential licensee must get a banking license from the Australian Provident Regulatory Authority. It may take a long term or rather many years and, as the governmental group boom notes does not come as a very user friendly process for the new ones. The applicants applying for it will actually need to satisfy the capital requirements that is the minimum capital that is required. To operate as a bank, forthcoming interviewees need at least $50 million in Tier 1 Capital or largely common equity. Candidates suggesting to function as banks must have a smallest of $50 million in Tier 1 capital. Supplementary, on an on-going basis, ADIs must grip controlling capital equivalent to at least eight per cent of total risk bia sed assets; However, the group points out, new ADIs can be subjected to advanced least capital necessities in their influential years and various liquidity issues also needs to be fulfilled with other areas like corporate governance and others. The International Monetary Funds Financial System Stability Assessment (FSSA) can undertake another fence to arriving the local banking subdivision. All the stockholders of the applicant or the person making the application must show or rather be well established, financially very sound and they would also prove that the cooperation or the tie up would be a long term arrangement. Where essential, candidates will be predictable to provide APRA with approval to pursue particulars in this respect. Candidates internal control and risk management strategies must be appropriate to satisfy to the obtainment of license. The shareholders should be fit and utmost proper to qualify and they must contribute to the capital if there is any requirement in t he future. The guidelines which is set by the APRA should be submitted in time otherwise it would lead to disqualification, when an existing applicant who is about to commence its banking operations is not having any resources or contacts, then the individual is expected to build the contact as soon as possible to conduct the operations. ADRA has full authority to ask and want any document at any time. Following are the steps Discussion between the APRA and the individual wanted to conduct banking operations A drag application must be sent properly. APRA will review and go through the application that is made by the applicant. He will therefore discuss with the seniors and other staffs regarding the application It will therefore will take 12-15 months to process, provide there are exceptions which can delay the submission that is some incomplete documentation will actually extend days , a corporation may be by default may extend days to resolve some issue or due tony mishap the date can be stretched. APRA inspires all potential candidates to communicate it as early as conceivable throughout their development procedure to discuss their determination to smear for an agreement. APRsubsidiary of a non-operating holding corporation (NOHC) that does not have NOHC specialist under the Act. APRA expects all candidates to be able to obey with its sensible necessities, as set out in numerous sensible morals, from the beginning of the dealings in banking (Australian prudential, 2016). Candidates suggesting to function as banks must have a smallest of $50 million in Tier 1 capital. Conclusion Australia's banking corporation has arose from the GFC in a moderately robust situation. Its standing internationally has been heightened. Proper consumer protection and welfare measures are seen at a broader level and implemented properly. Competition with stability are being maintained. A harmless and unchanging banking system is a serious constituent of the country's financial organization. The administration and the makers of the policy are bringing changes and are very positive for the economy. An important example from previous controlling policy knowledge was that guidelines inclined to break depressed where they positioned false restraints on competition amongst organisations performance fundamentally similar purposes. The banks have an understanding that joining their common role with money arrangement activities, and have strapped for payment of more straight connection in retirement time, including presentation a range of over-the-counter speculation products in years yet to come (Smith, 2016) References Brian, G. (2005).The evolving structure of Australian financial system. Retreived 03 Jan 2016 from https://www.rba.gov.au/publications/confs/1996/pdf/edey-gray.pdf Henry, K. (2011).Australian system. Retreived 03 Jan 2016 from https://www.treasury.gov.au/PublicationsAndMedia/Publications/2011/Economic-Roundup-Issue-1/Report/The-Australian-banking-system-challenges-in-the-post-global-financial-crisis-environment Financial Stability review. (2006).Australian system. Retreived 03 Jan 2016 from https://www.rba.gov.au/publications/fsr/2006/mar/struct-aus-fin-sys.html Irvine, H. (2007).Australian bank. Retreived 03 Jan 2016 from https://ro.uow.edu.au/cgi/viewcontent.cgi?article=1347context=commpapers Smith, M. (2016).Australian banking license. Retreived 03 Jan 2016 from https://finsia.com/news/news-article/2016/12/08/how-to-get-a-banking-license Australian Prudential Regulation Authority. (2016).Australian banking license. Retreived 03 Jan 2016 from https://www.apra.gov.au/adi/Documents/ADI-Guidelines-11-4-081.pdf

Soto Like Mexicans Essay Essay Example

Soto Like Mexicans Essay Paper My grandma gave me bad advice and good advice when I was in my early teens. For the bad advice. she said that I should go a Barber because they made good money and listened to the wireless all twenty-four hours. â€Å"Honey. they don’t work como burros. † she would state every clip I visited her. She made the sound of donkeys hee-hawing. â€Å"Like that. honey! † For the good advice. she said that I should get married a Mexican miss. â€Å"No Okies. hijo†Ã¢â‚¬â€she would say— â€Å"Look. my boy. He marry one and they fight every twenty-four hours about I don’t cognize what and I don’t cognize what. † For her. everyone who wasn’t Mexican. black. or Asiatic were Okies. We will write a custom essay sample on Soto Like Mexicans Essay specifically for you for only $16.38 $13.9/page Order now We will write a custom essay sample on Soto Like Mexicans Essay specifically for you FOR ONLY $16.38 $13.9/page Hire Writer We will write a custom essay sample on Soto Like Mexicans Essay specifically for you FOR ONLY $16.38 $13.9/page Hire Writer The Gallic were Okies. the Italians in suits were Okies. When I asked about Jews. whom I had read about. she asked for a image. I rode place on my bike and returned with a calendar picturing the of import races of the universe. â€Å"Pues si. boy Okies tambien! † she said. nodding her caput. She waved the calendar off and we went to the life room where she lectured me on the virtuousnesss of the Mexican miss: foremost. she could cook and. second. she acted like a adult female. non a adult male. in her husband’s place. She said she would state me about a 3rd when I got a small older. I asked my female parent about it—becoming a Barber and marrying Mexican. She was in the kitchen. Steam curled from a pot of boiling beans. the wireless was on. looking every bit knee bend as a loaf of staff of life. â€Å"Well. if you want to be a barber— they say they make good money. † She slapped a unit of ammunition steak with a knife. her spectacless stealing down with each work stoppage. She stopped and looked up. â€Å"If you find a good Mexican miss. get married her of class. † She returned to slapping the meat and I went to the backyard where my brother and David King were sitting on the lawn experiencing the interior of their cheeks. â€Å"This is what girls feel like. † my brother said. rubbing the interior of his cheek. David put three fingers inside his oral cavity and scratched. I ignored them and climbed the back fencing to see my best friend. Scott. a second-generation Okie. I called him and his female parent pointed to the side of the house where his sleeping room was a little aluminium dawdler. the sort you gawk at when they’re flipped over on the expressway. wheels whirling in the air. I went around to happen Scott pitching quoitss. I picked up a set of rusty 1s and joined him. While we played. we talked about school and friends and record albums. The quoitss scuffed up soil. sometimes pealing the Fe that threw out a meager shadow like a sundial. After three argued-over games. we pulled two oranges each from his tree and started down the back street still speaking school and friends and record albums. We pulled more oranges from the back street and talked about who we would get married. â€Å"No discourtesy. Scott. † I said. with an orange piece in my oral cavity. â€Å"but I would neer get married an Okie. † We walked in measure. about touching. with a sled of shadows dragging behind us. â€Å"No discourtesy. Gary. † Scott said. â€Å"but I would neer get married a Mexican. † I looked at him: a Fang of orange piece showed from his crunching oral cavity. I didn’t think anything of it. He had his miss and I had mine. But our seventh-grade vision was the same: to get married. acquire occupations. purchase autos and possibly a house if we had money left over. 26 The Short Story We talked about our hereafter lives until. to our surprise. we were on the business district promenade. two stat mis from place. We bought a bag of Zea mays everta at Penneys and sat on a bench near the fountain watching Mexican and Okie misss base on balls. â€Å"That one’s mine. † I pointed with my mentum when a miss with superciliums arched into black rainbows ambled by. â€Å"She’s cute. † Scott said about a miss with xanthous hair and a mouthful of gum. We dreamed out loud. our mentums busy indicating out misss. We agreed that we couldn’t wait to go work forces and raise them onto our laps. But the adult female I married was non Mexican but Nipponese. It was a surprise to me. For old ages. I went about wide-eyed in my hunt for the brown miss in a white frock at a dance. I searched the resort area at the baseball diamond. When the misss raced for ground balls. their hair bounced like something that couldn’t be caught. When they sat together in the lunchroom. caputs pressed together. I knew they were speaking about us Mexican cats. I saw them and dreamed them. I threw my face into my pillow. doing up sentences that were good as in the films. But when I was twenty. I fell in love with this other miss who worried my female parent. who had my grandma inquiring one time once more to see the calendar of the Important Races of the World. I told her I had thrown it off old ages before. I took a much-glanced-at snapshot from my billfold. We looked at it together. in silence. Then grandmother reclined in her chair. illume a coffin nail. and said. â€Å"Es reasonably. † She blew and asked with all her concern pushed up to her brow: â€Å"Chinese? † I was in love and there was no looking back. She was the 1. I told my female parent who was slapping beefburger into cakes. â€Å"Well. certain if you want to get married her. ’ she said. But the more I talked. the more concerned she became. Later I began to worry. Be it all a error? â€Å"Marry a Mexican miss. † I heard my female parents say in my head. I heard it at breakfast. I heard it over math jobs. between Western Civilization and cultural geographics. But so one afternoon while I was thumbing place from school. it struck me like a baseball in the dorsum: my female parent wanted me to get married person of my ain societal class—a hapless miss. I considered my bride-to-be. Carolyn. and she didn’t expression hapless. though I knew she came from a household of farm workers and pull-yourself-upby-your-bootstraps ranchers. I asked my brother. who was get marrieding Mexican hapless that autumn. if I should get married a hapless miss. He screamed â€Å"Yeah† above his awful guitar playing in his sleeping room. I considered my sister who had married Mexican. Cousins were dating Mexican. Uncles were remarrying hapless adult females. I asked Scott. who was still my best friend. and he said. â€Å"She’s excessively good for you. so you better non. † I worried about it until Carolyn took me place to run into her parents. We drove in her Plymouth until the houses gave manner to farms and spreads and eventually her house 50 pess from the main road. When we pulled into the thrust. I panicked and begged Carolyn to do a U-turn and travel back so we could speak about it over a sodium carbonate. She pinched my cheek. naming me a â€Å"silly male child. † I felt better. though. when I got out of the auto and saw the house: the chipped pigment. a chapped window. boards for a walk to the back door. There were corroding autos near the barn. A tractor with a cyberspace of spiderwebs under a mulberry. A field. A bale of biting wire like children’s scrabbling tilting against an empty poulet henhouse. Carolyn took my manus and pulled me to my future mother-in-law. who was coming out to recognize us. We had tiffin: sandwiches. murphy french friess. and iced tea. Carolyn and her female parent talked largely about neighbours and the fold at the JapaneseThe Short Story 27 Methodist Church in West Fresno. Her male parent. who was in khaki work apparels. excused himself with a moving ridge that was about a salutation and went outside. I heard a truck start. a Canis familiaris bark. and so the truck rattle off. Carolyn’s female parent offered another sandwich. but I declined with a shingle of my caput and a smiling. I looked around when I could. when I was non stating over and over that I was a college pupil. suggesting that I could take attention of her girl. I shifted my chair. I saw newspapers piled in corners. dust-covered cereal boxes and acetum bottles in corners. The wallpaper was bubbled from rain that had come in from a bad roof. Dust. Dust ballad on lamp sunglassess and window Sillss. These people are merely like Mexicans. I thought. Poor people. Carolyn’s female parent asked me through Carolyn if I would wish a sushi. A home base of black and white things were held in forepart of me. I took one. wide-eyed. and turned it over like a foreign coin. I was seize with teething into one when I saw a kitty crawl up the window screen over the sink. I chewed and the kitty opened its oral cavity of panic as she crawled higher. desiring in to paw the leftovers from our home bases. I looked at Carolyn who said that the cat was merely demoing off. I looked up in clip to see it fall. It crawled up. so fell once more. We talked for an hr and had apple pie and java. easy. Finally. we got up with Carolyn taking my manus. Slightly abashed. I tried to draw off but her clasp held me. I let her hold her manner as she led me down the hallway with her female parent right behind me. When I opened the door. I was startled by a kitten clinging to the screen door. its oral cavity shouting â€Å"cat nutrient. Canis familiaris biscuits. sushi†¦ . † I opened the door and the kitty. still keeping on. whined in the linguistic communication of hungry animate beings. When I got into Carolyn’s auto. I looked back: the cat was still cleaving. I asked Carolyn if it were perchance hungry. but she said the cat was being silly. She started the auto. waved to her female parent. and bounced us over the rain-pocked thrust. chucking my thigh for being her lover babe. Carolyn waved once more. I looked back. wave. so goggling at a window screen. where there were now three kitties clawing and shouting to acquire in. Like Mexicans. I thought. I remembered the Molinas and how the cats clung to their screen— cats they shot down with squirt guns. On the main road. I felt happy. pleased by it all. I patted Carolyn’s thigh. Her people were similar Mexicans. merely different.

College Transfer Acceptance Rates Which Schools Accept the Most Students

College Transfer Acceptance Rates Which Schools Accept the Most Students SAT / ACT Prep Online Guides and Tips Transferring from one school to another is a wise or even necessary choice for many students, but it’s not without obstacles. College transfer acceptance rates are actually lower than freshman acceptance rates, meaning competition is higher. This might sound like it’s cause for alarm, but, like applying as a freshman, it just means you need to be prepared. If you need or want to transfer but aren’t sure where to go, check out some of the colleges with the best transfer acceptance rates. Reading transfer rates might make you feel like this, but don't get discouraged! Why Is the Acceptance Rate Lower for Transfer Students? Knowing the reasons why transfer acceptance rates are lower will help you better understand what schools are looking for.You can address these concerns about transfer students in your essay, demonstrating that you're a great candidate . Don't panic- it’s not impossible to be a successful transfer student! Because transfer students have already proven they can succeed in a college setting, it seems counter-intuitive that their acceptance rates would be lower.However, due to a lack of information on transfer student graduation rates as well as many misconceptions about transfer students, it's only recently that colleges have begun to court them. In the past, many colleges assumed that accepting transfer students would lower graduation rates. In fact, transfer studentsand students who start at a four-year school have the same graduation rate of 60 percent. The difference is that only 28 percent of community college students overall graduate within four years, and 60 percent of them never transfer. The low graduation and transfer rates may signal to colleges that community college students in particular aren't ready for four-year education, despitetheir graduation rate being the same as four-year students. Transfer students also tend to take more time to graduate, which is often because they aren’t enrolled full-time- many work or care for families while in school as well.Another common belief among colleges was that students who attended community college instead of a four-year school right after high school did so because they weren’t ready for a four-year education academically. As time has gone on, studies have shown that even top-scoring community college students don’t move on to four-year school, suggesting it’s not academic readiness, but rather some other obstacle- money being one of the biggest. Many transfer students are at lower income brackets than students who enroll directly to four-year universities. Low-income students typically have lower enrollment rates, but without surveying students directly, colleges may have assumed that transfer students just weren't ready for universities. In fact, one of the many reasons that transfer school enrollment was lower for low-income students is that many schools lacked scholarships and grants for incoming transfers, raising the financial burden. Coupled with many credits not transferring and therefore requiring more classes at a higher cost, the financial burden on low-income students was simply too high for a long time. However, things are changing- many schools have created pathways for students to move from community college to four-year schools with few obstacles. Good news! College transfer acceptance rates are improving! Why Are College Transfer Acceptance Rates Changing? There are a couple reasons that colleges are now beginning to accept transfer students at higher rates. One of the largest is that undergraduate enrollment has decreased, leaving more room for transfer students to take those spots. With lower undergrad enrollment, colleges need to find a way to make up the difference, and two years of tuition from a transfer student is more beneficial to colleges than having no tuition at all. But an even bigger reason is that elite colleges have a reputation as having largely homogeneousstudent bodies. Princeton admitted its first transfer students recently, which serves to add diversity to a college typically seen as white and wealthy. So though admission rates for transfer students are lower than rates for freshmen, that doesn’t mean you’re up against insurmountable odds. The processes for transfer students are changing, and planning ahead will protect you from many of the common obstacles transfer students run into. How Many Transfer Students Get In? Transfer acceptance rates vary between schools. Some- like Princeton- are just now beginning to accept transfer students after decades of having policies against them. Almost half of all college students enroll in two-year public schools, and 37 percent of all college students transfer at some point in their education. According to NACAC in 2010, the transfer acceptance rate is 64 percent overall. In the last eight years, however, significant strides have been made in simplifying the process for transfer students of all kinds. Of all two-year college students who transfer, some 42 percent go on to earn a bachelor’s degree- a substantial increase over the number of all two-year college students (around 13 percent) who earn a bachelor's degree.That’s actually slightly higher than the national average for earning a bachelor’s degree within four years. However, just 33 percent of students transfer within six years, extending the time they spend in school. Again, while all this looks bleak, it’s important to note that things are improving. With programs designed to smooth the process for transfer students by providing transparency about credit transfer, more financial assistance, and more interest in courting these students, rates are improving overall. If you want this to be your study space, plan early. Which Schools Have the Highest Transfer Acceptance Rates? Planning to transfer colleges is much like planning to attend a four-year school straight out of high school. You should develop a list of potential colleges to transfer to so that you can attend the school that best suits your needs, and having a variety of schools with different transfer acceptance rates is a great way to do that. Because there used to be some stigma that transfer students weren’t ready for a four-year education, there’s sometimes an assumption that transferring prevents you from getting into good schools. Though many Ivy League colleges do have extremely limited transfer programs, there are still many top universities that not only accept transfer applications, but one of them- University of California: Los Angeles- is both a top-ranked school and one of the biggest accepters of transfer students. Read on to find out which schools accept the most students and what acceptance rates the top schools have! 20 Schools That Accept the Most Transfer Students The biggest reason that some schools have higher transfer percentages is that they’ve instituted programs to make that pathway easier. Often, these schools will partner with local community colleges through articulation agreements, which help ensure that more credits transfer appropriately. These schools take some of the most transfer students in the US: School Transfer Acceptance Rate Number of Transfer Students Admitted San Francisco State University 72% 16,904 University of Maryland University College 99% 16,434 California State UniversityLos Angeles 63% 13,076 San Jose State University 62% 10,409 University of CaliforniaDavis 61% 10,317 California State UniversitySacramento 81% 10,144 University of Central Florida 67% 9,938 California State UniversityLong Beach 30% 9,159 California State UniversityNorthridge 50% 9,109 California State UniversityFullerton 34% 8,586 California State Polytechnic UniversityPomona 54% 8,324 University of Houston 86% 7,772 Florida International University 73% 7,352 University of South Florida 61% 7,343 University of CaliforniaLos Angeles 25% 5,720 University of North Texas 80% 5,593 Texas State University 89% 5,553 San Diego State University 20% 4,885 University of TexasArlington 69% 4,199 Liberty University 55% 2,7 University of Maryland University College, which has a whopping transfer acceptance of 99 percent, has partnerships with all 16 community colleges in the state, as well as 90 more throughout the US. Likewise, University of Central Florida has a variety of programs intended to make the transfer process smoother, including guaranteed admission for students at many colleges. If you can, find a school partnered with your current college to make the entire transfer process easier. Instead of worrying about classes that don’t match up and lost credits, you’ll know which courses you need to take and when. If these programs aren’t available, you’ll have to make your own. Do as much research as you can as early as possible to avoid losing credits or running into other obstacles while trying to transfer schools. Top schools are taking more transfer students today than they have in the past. Transfer Rates at Top 20 Schools Just like acceptance rates at top universities, transfer rates to schools like Princeton and Harvard are very low. Princeton previously accepted no transfer students at all, but since 2017 has been accepting just a handful of students per year.Princeton isn't the only one- more and more schools are increasing their outreach to college transfer students. Here are the transfer acceptance rates at US News' top-ranked national universities: School Transfer Acceptance Rate Number of Transfer Students Admitted Princeton University n/a 20 Harvard University 1% 16 Columbia University 6% 170 Massachusetts Institute of Technology 4% 24 University of Chicago 5% 48 Yale University 0% 30 Stanford University 1% 31 Duke University 5% 26 University of Pennsylvania 8% 221 Johns Hopkins University 10% 3 Northwestern University 15% 282 California Institute of Technology 1% 3 Dartmouth College 1% 4 Brown University 5% 95 Vanderbilt University 29% 404 Cornell University 17% 852 Rice University 9% 54 University of Notre Dame 26% 235 University of CaliforniaLos Angeles 25% 5,720 Washington University in St. Louis 20% 228 These top schools are selective, but not impossible to get into. Vanderbilt has a 29 percent acceptance rate for students, and the University of California- Los Angeles takes almost 5,000 transfer students per year, despite its acceptance rate of 25 percent. Though you'll need to be truly exceptional to make it into Yale or Princeton as a transfer student, that's also true of applying straight out of high school.If you want to make it into the Ivy Leagues, plan early and make your application stand out, and always apply to multiple schools. With a strong enough application, you'll have your choice of schools to pick from, regardless of how low or high their acceptance rate is. Get your application in order and you'll be feeling great about transferring. How to Boost Your Acceptance Chances Though all this information is helpful in understanding the transfer process, acceptance isn’t just up to luck. With lower acceptance rates overall, you’ll need a highly polished application to stand apart from everybody else.(coming soon - "what universities look for in a transfer student") #1: Prepare Early The number one thing you can do to make your transfer process easier is to start early. If you’re attending community college, start thinking about what schools you’ll want to transfer to and work with an adviser to create an academic plan. If you’re transferring for other reasons, such as a program change or because you’re in the military, start doing some research right away.It’s better to do some unnecessary work in looking up school requirements than to realize your credits won’t transfer and there’s no way to fix it. The sooner you start, the more time you have to create a plan that’s going to benefit you in the long run. #2: Coordinate With Transfer Schools The easiest way to transfer schools is to find a school that’s part of an articulation agreement with your current college. These agreements mean there are already clear guidelines for what courses transfer and which don’t, eliminating some of the hassle and worry.If there’s no articulation agreement and your schools aren’t in contact with one another, see if your new school has a transfer department you can coordinate with. The more information you can get for what credits will transfer and which won’t, the better off you’ll be. Getting in touch early, even if you’re not accepted, can give you a better idea of what your next college will expect and help you plan out your time at your current school to be more efficient. #3: Treat Your Application Like You’re a Freshman Though it might seem like transfer students should have an edge in college admissions because they already have some experience, that’s not necessarily true. Don’t assume you’re going to have an easier time applying- treat your application with the same care and thoughtfulness you would if you were a freshman trying to make your first good impression. The further you get from high school, the less your high school grades and test scores matter. You can replace them with college grades if you have them. Your letters of recommendation should be from college professors rather than high school teachers, as well. But keep in mind that admissions is still competitive, and that you’ll need to stand out. Take your application seriously, and treat it as though they won’t be impressed by your prior experience as a college student- they should be impressed by you and your journey as a student, not just that you have college courses under your belt. #4: Write a Great Essay Essays aren’t the most important factor when transferring schools, but they are a great place to flesh out your application. In your essay, you should address your reasons for transferring, but be sure to stay positive. Instead of framing any dissatisfaction with your current school as a negative (such as, â€Å"The gym is old and crumbling, and there are no nice places to study on campus.†), focus instead on the positives of the school you’re applying to (such as, â€Å"[College]’s facilities consistently impress me- it’s not hard to see myself making friends on the tennis court or curling up with a book in the library.†] Follow all the best practices for writing college essays, but do be sure to fold your college experience in if you can. Why transfer now? Why transfer to this school in particular? What have you learned from your time in college, and what do you hope to learn in the next years of your program? You should be able to confidently answer all of these questions, even if they don’t come up in your essay. What's Next? Getting your transfer application in order can be confusing. What do you need? What don't you need? This guide has all the info on whether or not you'll need your SAT scores to transfer. Even if you don't dream of attending an Ivy League, a Harvard-worthy app makes you a shoo-in for other colleges. Learn more about crafting an amazing Ivy League application! Transfer students need to be just as judicious about choosing the right college as those entering college right out of high school. You'll need a good list of schools to apply to, and this guide can help! Want to build the best possible college application? We can help. PrepScholar Admissions is the world's best admissions consulting service. We combine world-class admissions counselors with our data-driven, proprietary admissions strategies. We've overseen thousands of students get into their top choice schools, from state colleges to the Ivy League. We know what kinds of students colleges want to admit. We want to get you admitted to your dream schools. Learn more about PrepScholar Admissions to maximize your chance of getting in.

Management accounting Essay Example | Topics and Well Written Essays - 1250 words - 4

Management accounting - Essay Example Material L10 had a favorable usage variance because the materials used were of higher quality than standard, more effective use of material or there were errors in allocating material to jobs. On the other hand, material L17 had an adverse usage variance because of using defective material, excessive waste, or stricter quality control. The labour rate recorded a favorable variance due to use of workers at a rate of pay that was lower than the standard. Labour efficiency variance was adverse because maybe there was lost time in excess of standard allowed or output was lower than standard set due to lack of training and sub-standard materials. The adverse variable overhead expenditure could have been caused by increase in cost of services or excessive use of services. Variable overhead volume variance was adverse due to the production or the level of activity, labour hours, being less than the budgeted. On the other hand, the adverse fixed overhead expenditure could be caused by the same factors that led to an adverse variable overhead expenditure. This is because of the fact that both fixed and variable overheads were being allocated using the same basis, labour hours. In addition, the production or the level of activity being less than the budgeted can explain the adverse fixed overhead capacity. ABC involves identification of elements, causing the costs of a business’s major activities (Clinton, 2004). Overheads incurred are charged to units based on their cost drivers causing the overheads. The ideas behind ABC are: Both traditional absorption costing and activity base costing systems adopt the two-stage allocation process. However, in allocation of overheads ABC establishes separate pools for support activities such as dispatching (Gunther, 2005). As costs of activities are assigned directly to products through cost driver rates, reapportionment of services department costs is

Profiling 4 Essay Example | Topics and Well Written Essays - 500 words

Profiling 4 - Essay Example Technology which causes victimization includes cyber net, cell phones, ATM machines, electronic data transfer etc. However, in the contemporary world the most intense victimization is seen over the internet. Within the last few years internet identity crime has gained enough recognition throughout the world (Gray, 2010). This is based upon an individual’s personal identity numbers, bank accounts, school information or any other security code which is unique to every person around the globe. Online criminals hack or steal this information and then they use it for causing financial, physical or moral damage to the victim. Victimization is now increasing with a stimulating rate as compared to the past. Moreover, the lack of awareness regarding internet identity crime has also facilitated it to a greater extent (Gray, 2010). People suffering from victimization are usually reluctant to contact law enforcement agencies because of embarrassment or due to the chances of further victimization by the offender. It is significantly easier for any cybercriminal to harass an individual by staying at a distance. This increases the complexity of the situation for law enforcing agencies since they fail to trace the offenders. Online criminals do not only harm individuals rather they possess the ability of destroying large corporations, for instance, by simply causing them financial loss or interrupting the bank transactions (Gray, 2010). Victims of online crime belong to a relatively narrowed group of people who are largely neglected by the judiciary system. Victimology was only recognized in the middle 20th century, before that, criminals were the major focus of the law enforcement agencies. There are primarily three factors which initiates victimization in this era of technological advancement. These include the environmental affects, characteristics of the offender and most importantly the precipitation of the victim. Environment

Heavenly Resort Business Plan

Heavenly Resort Business Plan The Heavenly Resort, Puerto Princesa Palawan Philippines is a boutique hotel within Palawan Island. Heavenly Resort is boutique hotel offering  32 exclusive rooms. The Heavenly Resort  property is convenient and strategic location within the city. Also with the high level of personal service guests receive, create a memorable experience and the extensive range of comprehensive business facilities  available in  unique settings. The Heavenly Resort has 32 exclusive rooms with a pool on the roof top and is targeting corporate guests with a two to three night stay requirement.Foreign retiree guest with a three to six months stay, foreign and local tourist with a one to two weeks stay requirement and family, scuba divers, backpackers, trekkers, bird watchers, spelunkers, explorers and even honeymooners. Differentiating the type of business service offered, and sustainable green innovation from that of the competition, will assist not only in building the Heavenly Resort brand as a whole, but will attract frequent touristtravellers, who require a higher level  of personal service and recognition than they can receive at competitive boutique hotel in Palawan. This will provide the Heavenly Resort with an opportunity to leverage its core competencies as regards servicing the tourist traveller in a unique and innovative environment. Description of the business concept The first Exclusive Business Boutique Hotel/Resort with restaurant is wholly managed with five teams. The team  specializes in occupying strategic, inner city locations and serving primarily corporate clients, foreign and local tourist. Market Needs Palawan Island is one of biggest city in Philippines and the famous holiday destinations for foreign and local. Due to the influx of tourist in the area, there is lack of accommodation with little competition for a boutique hotel. The Heavenly Resort offers value and benefits to our clients, over and above the standard of our facilities and affordable rates. We seek to provide our guests with an exemplary  personal service, and level of recognition that they have come to rely upon. We provide our guest with a relaxed environment which they cannot find at larger, more impersonal competitors. Our guests need to know that they can develop a relationship with the hotel that will ensure efficiency, value for their  money and reliability in supplying them with the support they need, when they needed it. The Heavenly Resort operates in a city with a very strong sense of community, and we want to stay an integral part of that community. The Target Market The Heavenly Resort is a boutique hotel comprising 32 guest rooms, a pool,and restaurantand specializing in servicing corporate guest, foreign and local with the family. Our key clients are originating from both international and domestic  markets from Scuba divers, backpackers, trekkers, bird watchers, spelunkers, explorersand yes, even honeymooners. The strategic location of the property is the key to its success in these areas due to the proximity of the nearby white sand beaches and resorts where guests can take a plunge or bathe in the sun and beautiful scenery. Key to our business success is the level of customer loyalty and repeat  business. We offer our guests unique ambience amenities,when styled in a boutique manner both inside the rooms and within the hotels conference facilities. Our guests feel that they can conduct their business from within a less austere atmosphere than can be experienced in our competitive properties, where there is less personal recognition. They appreciate being called by name when they arrive, and having staff remember their specific requirements, time and again. This is the key in developing the relationship beyond an initial stay and evidences our added value in relation to competitive properties in the vicinity. The Competitive Advantages (Innovativeness)(Arvind) The Team (April Chris) Market Research and Analysis Market Analysis Table 1:   Tourist Volume in Major Destinations, January-May 2010/2009   Destinations 2010 2009 Growth Rate Metro Manila 848,518 724,572 17.11% Cebu 734,531 703,965 4.34% Boracay Island 378,694 337,664 12.15% Camarines Sur* 348,139 344,459 1.07% Baguio City 318,677 373,820 -14.75% Davao City 275,658 273,492 0.79% Zambales 159,025 157,591 0.91% Bohol 143,276 139,162 2.96% Camiguin Island 105,262 90,269 16.61% Negros Oriental 102,394 98,738 3.70% Cagayan 83,822 80,739 3.82% IlocosNorte 81,724 88,366 -7.52% Puerto Princesa City* 73,986 54,754 35.12% Total 3,653,706 3,467,591 5.37% * January-March data only.   No data provided for April and May Source of Data:   DOT Regional Offices/Local Tourism Offices/Accommodation Establishment. Market Demographics Market Geographics: Puerto Princesa, Philippines is a city centre in Palawan Island, with a population of 157,144. Overall Island population is 640,486. Market Demographics: The community in Palawan are migrants from other regions in the Philippines and Foreigners who create business activities. Market Psychographics: There is a strong small business ethic in the community, and many family-run enterprises have been prospering for generations.   There is also a strong sense of community and a high level of awareness as regards to caring for the environment. Market Behaviours: Businesses in the area choose to support one another wherever possible, be remaining loyal to long standing relationships with customers and suppliers. This acts as a means of investing in, and supporting the community structure. Market Trends Market trends can be categorized as follows: Foreign and Domestic tourist. Puerto Princesa City tourist traffic grew by 21% with foreign and domestic visitors increasing at double digit level of 23% and 21%, respectively.   The upgrading of Puerto Princesa Airport paved the way to increase flight frequencies from Manila and other island destinations in Central Philippines.   Likewise, the efforts of the City Government of Puerto Princesa to develop new tourist products attracted more visitors and enabled prolonged stays.   By year 2010, total tourist traffic in the top destinations is forecast to grow by 15% as domestic travel movement continues to increase and international tourist markets recover from economic slack. Market Growth The growth rate of the target markets has been increasing over the past five years. The foreign tourist has grown at an average of 12.81%, and the domestic tourist has grown at an average of 2.12%. Puerto Princesa City has 117,000 visitors annually. 41.78% are foreign and 35.4% are domestic. The tourist volume in 2009 is 54,754 and in 2010 are 73,986. The overall growth rate is 35.12% which is the highest among other tourist destination in Philippines. The Company The Heavenly Resort, Puerto Princesa City, Palawan Philippines, is a Boutique Hotel and Restaurant. Offering 32 exclusive rooms with complementary breakfast,and offer an affordable signature cuisine local and continental. Mission The Heavenly Resort is dedicated to providing its guests with the highest quality of service and creates a memorable experience. We seek to deliver on our promise of value and quality above all else. We value our place in the community and will work to develop those relationships and to respect and protect our environment. We will continue to strive to create value for both owners and shareholders whilst honouring our brand values and encouraging our personnel to develop themselves in an environment of trust, loyalty and encouragement. Service Offering Service: high-quality facilities accompanied by exemplary personalised service, differentiated from competition in line with the overall brand strategy has proven to be a successful approach generating high levels of repeat business. Positioning The Heavenly Resort is positioned as a unique boutique hotel, foreign and localtravellers strategically located and offering a high level of personalised service. Ourfocus is on offering our guests value added  and differentiating ourselves in our levels of personalised service. We provide a  quality hotel memorable experience where guests are valued, respected, delighted and their business is truly appreciated. SWOT Summary The following analysis highlights the internal strengths and weaknesses of our organization and the opportunities and threats facing the company in our external environment. We must work to improve our areas of weakness. Organizational strengths must be leveraged in order to capitalize on external opportunities as they arise, and contingency plans formulated in order to deal with threats presented by the environment. Strengths Strategy: strong differentiation strategy. Skills: diverse range of service skills within management and staff. Style: strong, participative culture. Staff: specialized and experienced staff that is motivated and highly skilled. A well trained team who are proud of their hotel and  respect and promote the brand values. Shared Values: clear and well communicated. Brand Strength: brand values well represented engendering brand loyalty amongst existing and new guests. Reputation: a strong reputation within the local market and corporate and travel trade markets for reliability, exemplary service and quality. Weaknesses Strategy: differentiation strategy needs to be more clearly communicated externally, within local and national markets. Systems: formal systems result from the detail oriented work and environment. Interdepartmental communications could be improved. Staff: seasonal turnover requires ongoing training and orientation of new staff. Facilities: certain rooms require renovation and upgrade as regards technical equipment, such as high speed Internet access and laptop links. Opportunities Market: high growth since a huge influx of tourist. Competitors: no direct competition exists at present, in terms of the boutique business property niche. Suppliers: strong, long-term relationships  established with suppliers. Guest Dependency: repeat corporate clients based on personalised service and quality, in a small but unique and innovative environment. Threats Market Entry: potential for a competitive, global brand to enter the market with a similar product. Substitutes: fully furnished and serviced business apartments offering lower daily rates. Economy: recovery from slight recession may take time. Competition Although no direct competition exists, in terms of the boutique-style property, other five star hotels and serviced apartments, chalets do compete for the same business sector. Growth and Share (Adam please produce a graph for this) Competitor Price Growth Rate Market Share Casa Puerte (BB) $60 Legend Hotel (3star) $150 Asturias Hotel (4star) $200 Heavenly Resort $75 Average Total Competitive Analysis #1 #2 #3 #4 Competitor Legend Asturias Casa Puerte Heavenly Product and/or Service Legend Asturias Casa Puerte Heavenly Quality 6 7 4 8 Selection 5 7 5 6 Price 6 6 6 6 Other 0 0 0 0 Location and Physical Appearance Legend Asturias Casa Puerte Heavenly Traffic 4 5 7 7 Appearance 4 7 6 8 Visibility 7 6 7 9 Convenience Factors 7 6 6 8 Other 0 0 0 0 Added Value Factors Legend Asturias Casa Puerte Heavenly Pre and Post Sales Service 3 5 4 7 Experience 7 8 6 9 Expertise 6 7 5 8 Reputation 5 9 6 8 Image 6 9 4 8 Stability 6 8 4 9 Strategic Alliances 0 0 0 0 Other 0 0 0 0 Other Marketing Activities Legend Asturias Casa Puerte Heavenly Established Sales Channels 0 0 0 0 Advertising 0 0 0 0 Post-purchase Support 0 0 0 0 Incentives 0 0 0 0 Loyalty Components 0 0 0 0 Other 0 0 0 0 Total 72 90 70 101 Marketing Plan Marketing Strategy Our marketing strategys objective is to communicate the unique set of services that we offer to discern hotel guests. We attempt to direct the focus of our guests to the issues of quality and value for the  money as opposed to simply the bottom line costs associated with their stay. Our marketing strategy will allow us to communicate our brand values, develop close working relationships with our customers and suppliers and to identify the needs of our guests in an effective manner. Continued differentiation and growth are two goals we have set for ourselves. Growth will take place by targeting Foreign and local tourist. Value Proposition Heavenly Resort offers the best, most personalized service for the corporate traveller, foreign and local. We provide good ambience facilities in very room. We include creative design in every room, such as a unique amenity according their culture and nationalities. Critical Issues We have much strength including our differentiation strategy, and highly skilled and well trained staff. Our weaknesses involve the need to communicate our strategy more clearly in the external environment, our high staff turnover and training requirements due to seasonal fluctuations. Although there is a low to medium threat of a competitive brand entering the market, there are also opportunities as regards the high level of dependency of our guests for our particular service and our strong position within the community with both customers and suppliers. Critical issues for the Heavenly Resort include: Continuing to differentiate from our competition and offering added value to our guests. Retaining our current levels of repeat business and developing further customer loyalty in a competitive market. Nevertheless, smart boutique hotels must continue to adapt to the incessantly changing needs, tastes, preferences, and fashions in order to remain competitive in the flourishing boutique hotel market. Financial Objectives Increase overall room revenue. Accomplish growth within the given budget. Increase corporate contracted rates to reflect the return of confidence in the tourist travel market. Keep payroll expenses  down  and reduce the level of overtime within the workforce. Marketing Objectives To continue to communicate our strategic objectives to our target markets effectively. To provide a positive hotel memorable experience to all our guests. To accomplish our growth targets within the given time and budget. Expand our markets and identify new markets for our product and services. Messaging It is critical to the success of the Heavenly Resort to make sure that the hotel is kept up to the highest level in order to keep the high quality service that Heavenly Resort properties are known for. Our messaging will reflect this high standard that we want to be associated with. We need to print brochures from the recycled material to retain our green environment in front of our customers Branding The Heavenly Resort, Puerto Princesa City, Palawan Philippines, is first boutique hotel in Palawan.Heavenly Resort is boutique properties, offering 32 exclusive rooms. The Heavenly Resort  property is convenient and easy access locations within the city. Also synonymous with the brand are the high level of personalised service guests receive, with its unique architecture and design of every rooms.   Strategy Pyramids Our marketing strategy is to focus customers attention on the high quality of the services we offer. Within this strategy are three main points aimed at different market segments. We will provide: The Best and affordable facilities Personalized Services Unique and innovative Amenities Marketing Mix Place: product and service information  are sold to the guest via personal selling, direct marketing, advertising  and the Internet. Delivery channels include travel agents and international  reservations systems. Product Marketing Product: green innovation with high quality ambience facilities accompanied by exemplary personalised service, differentiated from competition quality with the overall brand strategy to be a successful approach generating high levels of repeat business. Pricing Pricing strategy has been consistent with the differentiation objective, to provide added value for a reasonable rate as opposed to discounting and de valuing our products and services. Room rates quoted are net of tax and service, are per night, per room with local and continental breakfast included: Single $65.00; Double $75.00; Family $75++; Deluxe $ 95.00; Suite $125 (maximum occupancy 2 persons). Promotion Promotion: primary focus will remain on mass communication via print ads in trade publications and on the Internet. Direct mail campaigns to existing and prospective clients will increase as a cost effective means of targeted campaigning. Personal selling in the local market will remain an important element of the mix in order to continue to build long-term relationships within the local region and generate  high levels of corporate activity. Public relations activities will continue to play an important role in the marketing mix, presenting the hotel as a supportive member of the community and  participating in significant local events. Advertising Direct Marketing Our direct marketing will be handled by our PR agency. We will buy select targeted list of corporate companies and send them information about Heavenly Resort. We know that we are no experts in direct marketing so it will be important that our PR agency handles every aspect of direct marketing for us. Web Plan Needed: New home page design and navigation Online reservations  capability Printable brochure Website Goals Our website needs to be able to do the following: Convey our messaging of high quality, unique and innovative accommodations Be indexed on major travel websites so that people find us Be able to take reservations online and make changes to reservations online Website Marketing Strategy Our main website marketing strategy hinges upon making sure all major travel sites such as Expedia.com, Orbitz.com, and Hotels.com list our hotel when customers search for hotels in our area. Development Requirements To attain the level of interactivity we want in our design, we need to increase the features allowed (security for  reservations and credit-card processing, daily back-ups, and real-time database linking) and service-level of our hosting service. This will slightly increase our monthly hosting fee. Service Our hotel provides guests with an alternative to the impersonal, boutique hotel properties in the city. Strategically located, our property enables our guests to be at the heart of the city and yet in an environment of calm, serene and professionalism. We seek to differentiate our product and services in the following areas: Personal recognition of our frequent travellers who return time and again. Unique rooms that offer a sense of relaxing and memorable experience. Staff that have a strong customer-service ethic. Green Innovation amenities second to none in town. Sales Plan Our sales plan hinges upon our sales strategy, sales process and, prospecting plan. As long as we follow the plans laid below we should be in good shape. Sales Strategy Riverview Hotels sales strategy hinges upon repeat visits by key corporate accounts. We need to develop a relationship with the companies listed in our Sales Account Plan, as well as actively generate new accounts by soliciting first time corporate, foreign and local visitors. It will be important to remain competitive on price, as well as amenities. The corporate accounting department wants to make sure they limit the amount of money spent per night per employee on a business trip, but the foreign/local traveller will be able to express preference. If the price is right, and the foreign/local traveller knows that they will have all amenities they need while at the Heavenly Resort, we will be assured of keeping and attracting key accounts. Sales Process We will be sure to mail out corporate packets every 6 months to our key accounts, as well as any new accounts we acquire. The packets will have information about corporate pricing and discounts, as well as information about rooms and amenities for the companies to share with business travellers. The biggest piece of our sales process will depend on personal relationships. We will need to make every foreign/local traveller feel like we remember them and we know their likes and dislikes. We also need to cultivate good relationships with the person at the company who makes travel arrangements. Prospecting Plan Whenever a new customer stays at our boutique hotel we need to be able to determine whether it is for leisure or business. If it is for business we need to make sure to get the customers business name and address so that we can send a corporate packet to the company letting them know about corporate pricing and special business amenities. Management Team Controls Our marketing plan is structured to enable us to achieve the strategic goals we have set for  ourselves, in terms of increasing overall revenue as a result of differentiating our products and services from the competition. Our marketing team will ensure that the plan is implemented to the best of their ability and with the highest levels of efficiency and accuracy. Implementation All figures will be monitored on an ongoing basis in relation to projections versus actuals, and the ongoing plan will be altered or manipulated as necessary in order to react to and, wherever possible, anticipate external changes to the environment. Annual results will be evaluated at the Region General Managers meeting where the structure of the plan for the approaching year will also be established. Keys to Success Continue to develop ongoing relationships with frequent and new guests. Continue to develop and implement a strong communications plan in both national and international markets. Leverage our strength in the local market as a member of the community by supporting local events. Identify new markets for our services such as University-based target groups. Continue ongoing staff training and skill development to ensure the highest standards of service. Contingency Planning Contingency plans have been made for the following unexpected developments: A slower recovery from the recession than public opinion: this has been  reflected in the  moderate increase in  levels of corporate business expected. The entry into the market of a competitively aligned hotel: differentiation would continue to be the strategic approach with the development of added value and benefits to leverage long standing relationships and repeat business based on familiarity and personal attention to detail. Marketing Organization Our marketing director, April Huang, leads our PR and marketing team of  four in all advertising, promotional and public relations related activities. April works closely with the members of the team, to implement and monitor the effectiveness of the marketing plan and evaluate results. Design and Development Plans (Grace) Risks Management(Grace) Risk reduction(grace) Exit strategy(Grace) Financials (Sample Only for Adam) Our annual marketing budget is $100,000. Sales are anticipated to achieve revenue of $1,172,925. Our marketing expenses will equate to approximately 8.5% of the overall revenue. Break-even Analysis Fixed Costs Cost Rent or Lease $0 Professional Services $1,000 Payroll $10,000 Interest Payments $2,000 Utilities Telephone $5,000 Non-discretionary marketing expenses $0 Other $0 Total Fixed Costs $18,000 Break-even Analysis Monthly Units Break-even 145 Monthly Revenue Break-even $19,929 Assumptions: Average Per-Unit Revenue $137.14 Average Per-Unit Variable Cost $13.28 Estimated Monthly Fixed Cost $18,000 Sales Forecast Room revenue for this year is based on an average growth rate of 10%. This is based on the number of pre-contracted corporate rooms, and an anticipated return to business levels projected. Sales Forecast FY 2006 FY 2007 FY 2008 Unit Sales Corporate Single 1,925 2,118 2,118 Corporate Double 3,665 4,032 4,032 Corporate Deluxe 2,695 2,965 2,965 Corporate Suite 268 294 294 Total Unit Sales 8,553 9,409 9,408 Unit Prices FY 2006 FY 2007 FY 2008 Corporate Single $95.00 $95.00 $99.00 Corporate Double $125.00 $125.00 $135.00 Corporate Deluxe $175.00 $175.00 $195.00 Corporate Suite $225.00 $225.00 $240.00 Sales Corporate Single $182,875 $201,210 $209,633 Corporate Double $458,125 $504,000 $544,253 Corporate Deluxe $471,625 $518,875 $578,175 Corporate Suite $60,300 $66,150 $70,560 Total Sales $1,172,925 $1,290,235 $1,402,620 Direct Unit Costs FY 2006 FY 2007 FY 2008 Corporate Single $7.86 $11.00 $11.00 Corporate Double $13.92 $13.50 $13.50 Corporate Deluxe $17.50 $18.50 $18.50 Corporate Suite $0.84 $0.00 $0.00 Direct Cost of Sales Corporate Single $15,138 $23,298 $23,293 Corporate Double $51,033 $54,432 $54,425 Corporate Deluxe $47,163 $54,853 $54,853 Corporate Suite $225 $0 $0 Subtotal Direct Cost of Sales $113,558 $132,583 $132,570 Expense Forecast Marketing expenses are projected to be approximately 8.5% of overall annual revenue. The breakdown of  expenditures is as follows: Marketing Expense Budget FY 2006 FY 2007 FY 2008 Print Advertising $10,600 $11,600 $12,826 Internet Advertising $21,000 $23,100 $25,410 Public Relations $6,000 $6,600 $7,260 Other $21,000 $23,100 $25,410 Total Sales and Marketing Expenses $58,600 $64,400 $70,906 Percent of Sales 5.00%