Analysis of Rosemary’s Baby and Religious Faith

Is God Dead? Rosemary’s baby written by Ira Levin is a masterpiece of modern day horror that emphasizes the importance of religion. Rosemary, Guy Woodhouse’s wife and a young soon to be mother was raised by a strict religious catholic family. As she supposedly became agnostic towards her catholic faith, she left behind her an angry, suspicious father, a silent mother and four resenting brothers and sisters (Levin, 24). Throughout the novel we learn that Rosemary has re-embraced her religious beliefs and has never truly abandoned them.The author is also depicting a crisis of faith in the modern era explaining how there is a growing decline in religious belief in the 60’s. Rosemary regrets doubting and turning away from her religious beliefs after she discovers that pure Satanic evil does exist, and is residing next door. She re-embraces her religious beliefs as she utters a prayer â€Å"Oh Father in heaven, forgive me for doubting! Oh Jesus help me save my innoce nt baby† (287). This reveals how she seeks forgiveness of ever doubting gods existence and the power of religion itself.She is not only seeking forgiveness, but help for her baby. She realises that becoming agnostic and leaving her faith behind has allowed the devil to enter a doorway in her life. She re-embraces religion because it is her last hope since Guy, Doctor Sapirstein, the Castevets have all terribly deceived her: â€Å"All of them, they were all in it together. All of them witches† (257). This betrayal caused her to search for hope and to reconcile her inner conflict she had with her own faith. Moreover, as Rosemary is giving birth she apologizes to her baby â€Å"I’m sorry, my little darling!Forgive me! † (272). She is apologizing for being too late and for failing to protect her new born from the evil that surrounds her. Rosemary knows that if she had not put aside the importance of her catholic faith, this would not be happening. She then ask s the child for forgiveness because she feels that it is her fault. This foreshadows how she wants to accord importance once again to her religion. She feels that she could be forgiven if she became a true catholic again. At this moment she would do anything to save her child from â€Å"those witches†.Furthermore, Rosemary sees her helpless baby in a monstrous bassinet in the hands of the evil Satanists. She then proves re-embracement of her religious faith as she avoids collapsing and crying. Instead, â€Å"she shut her eyes tight to stop the tears and said a quick Hail Mary† (293). Even after all she has just been through, she still takes time to say a prayer. This demonstrates how she still has hope and faith. Additionally, not only does Rosemary go through evolution by re-embracing religion; she has also never abandoned her beliefs.When asked by the Castavets if she is religious, Rosemary's response is flustered and confused: â€Å"No, no not at all, I was brought up to be but now I am agnostic† (76). As Mrs. Castevet wanted more details about how she truly felt about the Pope and religion, Rosemary answers: â€Å"Well he is the Pope; I’ve been conditioned to have respect for him and still do† (77). This demonstrates that even though she does not think of him has holy anymore, she still has respect for him. This proves that the way her family raised her impacts her view on the Pope regardless if she is religious or not.As the Pope is visiting New York, Rosemary takes time to watch his appearance on television and to listen to his speeches. She mentions that the Pope’s speech at the UN â€Å"moved her† (102). Which reveals once again that he is important for her and that she respects him. As well, Rosemary receives a phone call from her sister Margaret and reveals an important declaration: â€Å"Religion doesn’t mean as much to me now as it did back home† (104). This reveals to us how religion r emains meaningful to her even though it is not as important as it used to be. As Rosemary wavers in her own beliefs, she does not abandon them.Furthermore, in Rosemary’s dream we perceive how she is in conflict with the beliefs towards religion and her agnostic point of view. She dreams of a church burning on fire and of catholic prejudices (113). Her unconscious reveals how her loss in interest with the catholic faith troubles her. In the dream, the Pope is also there with a suitcase and she asks him for forgiveness (116). This foreshadows how she wishes the Pope would forgive her for ever doubting the religion and how she seeks acceptance from him and her family. Lastly, the author is aiming to depict a crisis of faith in contemporary society.This is seen when Rosemary picks up a copy of Time magazine that was right next to her. â€Å"Is God dead†? It asked in red letters on a black background (255). This reveals how the society is doubting the existence of god. It a lso expresses the need for society to recognize that it is behaving as if God were no longer active in the world. The fact that the author took the time to mention this specific magazine foreshadows how Rosemary is not the only one doubting existence of god. As well, when Rosemary see’s the cover of the magazine she looks for the index right away and turned to the show business section (255).She did not read it because at that moment the existence of God did not mean much to her. This reveals how the God of the Christian past no longer served a function. For instance, the â€Å"Bramford† is a perfect example. Its morbid history of cannibalism and Satanism, infanticide and suicide, becomes reason for the growing decline of religious belief (26). Society is asking â€Å"If God does truly exist, how could he let these things occur? † 1,001 Words WORKS CITED Levin, Ira. Rosemary’s Baby. New York: New American Library, 1967. Print.

British Press

Originally newspapers or newsletters were simply records of events and opinions. The earliest known printed newspaper in Britain was published in 1513 and was called TreweEncountre. In the 16th century the form of the newspapers changed. Papers grew from newssheets for a small number of educated people into a medium of information and entertainment for the whole population. The power of the press was feared and censors stopped any article they saw as being against the state.In 1814 The Times used a new kind of printing machine – The Koenig Press which made it possible to produce 1000 copies an hour instead of 20. National distribution was made possible with the development of the railway system. The stronger and wealthier papers such as The Times and the Daily Telegraph became first true national daily papers in Britain. More daily newspapers, national and regional, are sold for every person in Britain than in most other developed countries.Britain’s press is unusual it is divided into two very different types of newspapers: the quality press (broadsheets) and the popular press (tabloids). There is no state control or censorship of the press, but it is subject to the general laws of publication. The press caters for a variety of political views, interests and levels of education. Newspapers are almost always financially independent of any political party. Where they express pronounced views and show obvious political leanings in their editorial comments.Newsprint, about three-quarters of which is imported, forms about a quarter of average national newspaper costs. In addition to sales, many newspapers and periodicals derive considerable earnings from their advertising. Ownership of the national, London and regional newspapers is concentrated in the hands of a number of large press publishing groups. Most people usually read the Leader (or editorial); it helps them form opinions on things. Although national newspapers give you all the important new s, if you want to sell your car or smth, the classified ads is the best place.Most British Sunday papers have supplements with articles on food, travel and fashion. These supplements often contain features on new technology. One thing people always read in the paper is the obituaries’. Teenagers prefer magazines, especially the ‘agony columns’. It is amazing how people are prepared to discuss their most intimate problems publicly with an ‘agony aunt’. A newspaper story has evolved to meet the requirements of everyday life as lived by everyday readers. It relies on the lements of novelty, directness, pace and variety and it strives to convey its information in the form most in keeping with the tempo of our times.We can divide the newspapers story as it strikes our eye on the newspaper page into 3 parts: 1) The Headline 2) The first paragraph 3) The remainder of the story The headline first attracts us. Its message is terse, abrupt and often startling. It tells us quickly what the story covers. It would be difficult to overstate the importance of opening paragraph or lead. Always this lead remains the primary concern of the newspaper writer.Because the present-day reader resembles the man who both runs and reads, present-day newspapers seek to facilitate him getting the information quickly. The convention has developed of telling the main facts of the news story in its first lead paragraph. This convention requires that in the lead the reporter answers the questions which would occur to any normal person when confronted with the announcement of an event. These questions, called the five W’s, are: Who? What? When? Where? Why? And How? The best-written lead not only satisfies the reader’s initial curiosity, but whets his appetite to read more.

Networking and Communications

The concepts of networks and communication have come from computers and Internet and are not really very old. The advantages of these methods of communication are that messages can be sent sitting at the computer in houses or over a laptop, the communication reaches the intended receiver almost immediately and permits the receiver to also start acting on the communication immediately. There are always advantages in having physical value chains and this is what leads shops to develop warehouses and try to be merchandisers though they do not have the capacity to be so. On the other hand, the new methods of information create opportunities to simplify the value chain and thus develop businesses that have better sources of competitive advantage. An example of such stores is Amazon, which offers its potential customers a list of 2. 5 million books and this list is ten times the size of the nearest chain stores. The organization also does not have the books in its store, but have the books delivered to its customers through orders to two wholesalers in the industry after the customers have placed orders. The facility available with Amazon is only to repack the books and mail them. This makes sure that some difficulties come in and Amazon cannot offer books off the shelves, nor can their customers see the books on shelves. At the same time, their methods of selling provide them with lower costs and provide customers with superior information and lower costs. (Tapscott, 30) Some of the advantages are provided by the medium itself. Through the computer it is possible to send a message to a person without meeting him directly, or even knowing whether he is there or not. A shop can collect orders at the time when it is not open and save its employees time as the full list of items required will be sent by the customers themselves. (Lynda, 13) This particular already has a server and that means it already has and Internet connection and the computer is already able to accept messages through the Internet. His may be in the form of Intranets meant for use by the employees of the store, or in the form of a VPN. This is a Virtual Private Network which accommodates the needs of employees not located in the same office and is in the form of a private network using the public network, or Internet to get them together. There is no requirement to use a leased line, but there is usage of virtual connections operating through the Internet. (How Virtual Private Networks Work) The use of the second server is to be a back up for the first server and also to record orders from the customers. This does not involve many risks as the orders can be received on an e-mail connection and they are quite safe for the users. Further safety can be ensured through presently available. The size of e-mail connections are also large now, of the order of 1GB and can be made even larger. At the start of the working day, employees can be asked to unload orders received from the Internet to the computer of the store. The time has already been decided as being 11 am. All the orders can be placed in order and then prepared for execution. If the execution of orders are finished before the end of closing hours, then further orders, if any are available on the e-mail site, can be taken up for execution. This process is generally safe. The only difficulty comes from false orders, but that can be checked through a paying mechanism connected to the delivery part. When the order is delivered, the store will definitely collect payment, and this can be through a bank payment service, credit card or some other mechanism. When the order is sent to the store, an authorization should be sent by the buyer to the paying party also. This can be checked by the store, before delivery. If the material is to be collected from the store, then, the problems are less as the consumer will have to make payments directly. Purchases for a small store are difficult and often require expertise which the individual store may not possess. The solution that is often reached is to become a member of a buying group who will act as the buying organization for all stores, though the stores may be owned by different persons. Buying groups exist in practically all segments of the retail industry and some of the groups provide services in terms of product management and obtaining discounts for the stores through the process of summing up all quantities required and thus obtaining discounts for wholesale purchases. Even in the international scene, there are buying groups. Those organizations often have buying units distributed all over the world. (Varley, 36) In the long run, the exercise of computerization should not disturb this angle and the existing method of purchases can still be retained. The advantages will come from the fact that as soon as sales are made, or orders executed, a record can be updated for the item in question. The importance in this aspect is only for items in â€Å"A† category after an analysis of the items for sales through an ABC analysis. For those items, since they involve an importance in terms of customer satisfaction, or investment, it is essential that a close record be kept. It is also possible, like Amazon to collect some of the expensive items on a day to day basis. These are decisions for executive management to consider. If the access to the store by the purchasers is only through e-mail, then they have no chance of directly collecting the information from the store's computer, except through certain bugs that may be placed in the computer along with orders. This is a problem that comes even when the computer user visits certain sites, and can be wiped out through the use of anti-virus software and proper design of the computer system. The biggest point to remember is that most users now use Internet Explorer as their language for communication with Internet since they have the basic language as Windows. On the other hand, the store may use Mozilla Firefox for communicating with Internet. This will automatically knock out a lot of infections. Apart from this are for the computer to be working on a non-windows system and this can be done through some programming in Java. The details will have to be worked out with a computer expert. If the information of the company is stored on a different disk also, the chances of removal are much lower. This is not so difficult since the question of disks is only of virtual separation through programming. At the same time, it is also important to note that secrets about the organization also should not be available to internal users within the company unless they are permitted access. This can be controlled through requirement of passwords for entering those sections, but at the same time, the users will have to be careful about storage of the passwords. To an extent, the problem of exposure of passwords can be controlled through changes of passwords on a regular basis. The job of a network administrator involves many tasks and to an extent the tasks are also decided by the experience of the administrator in the job. The first step is to create its design, and this job has to be done by a senior network architect. Since this network has been operating for some time, one presumes that it has a network administrator who has been in charge of the system, and this person, if he is conversant enough with computers will be able to decide on its required expansion. The second set of responsibilities of the network administrator begins after the network is designed and this involves setting up and configuring the network. It is important to remember that due to the complications of the network this may take some time, and, in general the old system should be permitted to continue till the new system is tested and ready. Then the switchover can be done within a short period of a weekend or so. This will cause the least amount of disturbances to working. (Responsibilities of the Network Administrator) After all the store has to sell and earn money and computers are only assistance and cannot be permitted to come in the way of operations. The job now includes installing the physical aspects of the changes, configuring the files or databases, hosts, routers and network configuration servers. The third phase of network administration security involves regular tasks that have to be done – adding new host machines, direct administration, administration of network services and trouble shooting problems that are seen to arise. In this case, the problem seems to be one of adding new hosts and increasing services of the network for which more software is expected to be wanted. (Responsibilities of the Network Administrator) This is however and ongoing process and one success will lead to another and this will require changes not planned in the earlier phase. In this case, let us say that the plan of expansion succeeds in satisfying the customers, and adds profits for the organization, and then a second store may be required. For this sort of problems a principle of redundancy should be built into network designing. From the general, let us get into the specific and all organizations involved with computer software have their own recommendations for network service and Microsoft talks about it including Dynamic Host Configuration Protocol or DHCP, Windows Internet Name Service or WINS and Domain Name System or DNS. These are all software and part of these may massage the egos of the owners of the system, but whether they are needed or not will have to be determined by those designing the system. Microsoft has made a system management function which provides guidance for the operation of the above named services and for maintenance of the hardware which will hold these programs. There is also a guide for getting required software for this purpose. (Service Management Functions: Network Administration) Considering the number of updates that come in for Windows, it does not seem to be very reliable software. There are also software designed for many different users and in these many users can work on the system at the same time and maintain files. An example of such a system is IRIX. The only problem is that this system permits the workstation to be connected to networks and permits transfer of files from one to the other. (Overview of System Administration) Does this system require this facility, or will it be a source of trouble? The point is that all systems have to be designed according to the requirements as deemed fit by the management and first the thought of the management have to be clarified. To conclude, computers are the latest tools for the egos of today, but, at the same time, one should not end up with a system having a lot of useless or dangerous facilities.

Amazon Evolution Essay Example | Topics and Well Written Essays - 500 words

Amazon Evolution - Essay Example The creation of the search engine by Amazon.com operates like Google, and helps ease on the internet search.   The system (A9.com) has been installed in a personalized manner that allows users to create and save and control their previous visits. Amazon also created the SQS system; the system stores the queues and message data in Amazon’s network making it reliable and available in various data centers. Amazon has also installed bookmarking equipments and a tool bar that enables users to browse the search results. A9 relies heavily on Google for the applied technology while; Amazon focuses on improving consumers’ experience. Amazon, therefore, has created its core capability to consumers with its convenience and ready access, personalized services, competitive prices amongst other consumer base benefits (Rainer, 2008).Question 4Issues of Decentralized information managementIn the recent times, data management strategy is changing to data service resulting from the inc reased distribution lines. Consumer ignores the database cover on the thought that; it concerns architectures. In case of the SQS, Data services moves from source A to B via an incorporating process. Therefore, the data volumes and the rush for timely information mount pressure to the consolidating application resulting to reduced data duplication. The ultimate results involve issues concerning consistency, recoverability and access which need resolutions (Rainer, 2008).Securing information proves easier than maintaining the security levels of information.

A Brief History of Globalization Essay Example | Topics and Well Written Essays - 3000 words

A Brief History of Globalization - Essay Example This research will begin with the definition of globalization as a process (or set of processes) which embodies a transformation in the spatial organization of social relations and transactions, expressed in transcontinental or interregional flows and networks of activity, interaction, and power. Globalisation is perhaps the most overused and least understood word, and one can easily see that the meaning and scope of the word has transformed and evolved dramatically over the past few years. The controversy associated with it proves how complicated scholars on both sides have made it. Under this backdrop, here is someone with a rational approach who seeks to clarify the concepts. Alex MacGillivray’s views are wry and balanced, replete with historic anecdotes and high-quality analysis of each aspect and implication of globalization. He litters his writing with speckles of benign humor when referring to the steady growth in the number of countries over the last few decades accord ing to membership of the UN, recognition by FIFA or entries in the CIA’s World Fact Book. His observations are woven logically into the fabric of first-rate primary data analysis. For instance, a new data set showing that much of the reputed growth of an international trade over the past two decades arise from regional (intra trading block), rather than a truly international movement of goods and services. This idea contrasts what organizations like WTO and World Bank acclaim as the benefits of globalization.

To What Extent Have the Literacy Practices of English Speakers Been Essay

To What Extent Have the Literacy Practices of English Speakers Been Shaped by Communication Technology - Essay Example In the start, the books were written for a specific class and were handwritten and expensive, therefore were only accessible to a specific class of readers. With the invention of printing machines and later digital communication technology made reading books more common. The production and reproduction of the physical form of text experienced a great deal of changes from its initial stage to the current form, resulting in gradual enhancement of the literacy practice. In the ancient world the words were inscribed in wax or clay tablets but now this carving technique is only used for decorative purposes. The alphabets taken from the Roman and Latin worlds did not allow much convenience with the pronunciation so they also went through change. The written language was more for the religious elite with no space among the words and an audible effort was made to apprehend the words. The Irish invention of word spacing and silent reading made it easy to be read and freed it from its conventi onal purposes (Allington, 2012). In the twelfth century the woodblock printing, which was originally invented in China, made the Europeans copy only the pictures on the page, later full text was also brought onto the page. The radical development came with the invention of hand press by Johannes Gutenberg in the fifteenth century which consisted of metal blocks containing letters on them, and in spite of it being very  expensive it was used to fulfil the demand of books to the western society (Allington, 2012). This print culture was not cherished by all members of the society as the British politicians were afraid of mass literacy, before then the lower class had access only to chapbooks which contained outdated content. Church authorities attempted to deprive the common people of the literature. Newspapers were imposed with heavy tax by the British government to keep them out of the reach of the poor people with the Stamp Act of 1712. Despite all the hurdles put on mass literacy practice, English language was widely printed and literacy practice had increased enormously by the nineteenth century. It is stated (Eliot, 2007) that the literacy rate was 60 per cent in males and 45 per cent in females in 1800 which progressed to 94 per cent and 93 per cent by 1891. The printing press also went through rapid development in nineteenth century. The twentieth century brought more technological development as metal type printing vanished and photographic and chemical processing was established, this brought easy and fast reproduction of text in bulk setting up a wider range of readers by it being economical and accessible to all classes of the society. The industry of book production was in Edinburgh, Scotland in the seventeenth century and through printing English they managed to keep the English readers and readers from other colonies which maintained their British Empire. The less familiarity of the English language for Scottish people gave way to the publication of the first dictionary of the Scots and later with the political and national movements, the vernacular speeches and the ingenuity of writers made other languages to become print-language (Anderson, 2006, in Allington, 2012). The access to the books helped the writers from different regions to convey all the political, economic and

Critical Thinking on 'Lifelong Learning is a Good Thing' Essay

Critical Thinking on 'Lifelong Learning is a Good Thing' - Essay Example The Jones’s article entitled â€Å"The Educated Person† is all about a guy who became inspired of developing a career in college teaching when the commencement speaker’s speech said that â€Å"For those of us planning to continue on in academic life as college faculty, the speaker emphasized that the educated person question should be at the centre of our profession lives† (Jones, 2009, pp. 11 – 12). For some time, the question about becoming an educated person made the author think about the importance of pursuing higher education right after graduating from college. Eventually, Jones (2009) realized that the educated people are actually pertaining to those individuals who managed to develop a habit of going through the process of continuous learning. In the field of education, the real meaning of lifelong learning can be trivial in the sense that the students who managed to graduate from colleges and universities are expected to join the workforce . For the purpose of continuous or lifelong learning, it is not possible for each person to stay in school all the time. In general, the cognitive aspect of learning is more focused on each person’s knowledge, skills, special abilities, and critical thinking. However, Knapper and Cropley (2000, p. 46) explained that lifelong learning is not only about the cognitive aspect of learning but more on â€Å"motivation, attitude, values, self-image, and other similar non-cognitive factors†. To avoid facing trivial issues behind lifelong learning, it is possible to define lifelong learning as a person’s readiness and willingness to learn on their own. With regards to the significance of continuous learning in our daily lives, this study aims to prove that pursuing a lifelong learning is a good thing. To give the readers a better understanding about this topic, it is necessary to avoid coming up with a bias conclusion about the significance of lifelong learning in each p erson’s lives. To be able to provide a balanced argument with regards to the growing importance of lifelong learning, reasons why lifelong learning may or may not be a good thing will first be tackled followed by justifying the reasons why lifelong learning is indeed a good thing. As part of going through the main discussion, real-life examples on how lifelong learning can be applied in the professional growth of each person will be provided in details. Proposition: ‘Lifelong Learning† is a Good Thing According to Aspin and Chapman (2001, pp. 39 – 40), three of the most common arguments why lifelong learning should be considered as a good thing includes the need to continuously improve one’s own knowledge and skills for â€Å"economic progress and development†, for â€Å"personal development and fulfilment†, and for â€Å"social inclusiveness and democratic understanding and activity†. The argument made by Aspin and Chapman (2001 ) sounds reasonable since most of us have already experienced the truth behind the idea that the employment opportunity of each individual is highly dependent on their existing knowledge and skills of each person. It means that the expertise we gain from our current and previous job(s) increases our opportunity to find a better employer. However, it is necessary for each individual to continuously improve their knowledge and skills to avoid being stagnant in their current job (Jarvis, 2000). Over the past few decades, the

REFLECTION REPORT. Evaluation of Research and Analysis, gets students Essay

REFLECTION REPORT. Evaluation of Research and Analysis, gets students to reflect upon the case study based research project they - Essay Example The business problem being analyzed in this case study is the decline in the number of people who are undertaking Project Management training courses in the recent years. It is important that CUPE Ltd address this trend if they want to continue to grow and become successful. The purpose of this reflection report will be to provide a reflection of the process of researching a business problem. Additionally, this study will be aimed at critically demonstrating our knowledge and understanding level of the various processes involved in research and analysis while at the same time evaluating our own performance in the area of researching a business problem. This problem will be also addressing on how we chose the research and analysis methods that were used in the investigation of the business problem while at the same time addressing the strengths and the limitations of our research and the processes we adopted. Additionally, the report will critically address the various changes we woul d like to make in our approach to researching and analyzing the business problem given another chance to work on the project. ... dertaking Project Management Training include the decline in the number of project management jobs, the increased emphasis on prospective employees having experience as opposed to training, the increased number of competitors in the market, the presence of new innovative ways of delivering training including the growth in popularity of online training and the availability of various new and innovative ways marketing the courses. How the research and analysis methods used to investigate the business problem were chosen In business research, it must be understood that the questions asked at all times need to be not only valid, but also fair and must also directly relate to our need for information. What this generally implies is that it is important to have very clear objective purpose while conducting business research right from organizing for the research, through conducting the actual research to the end where there is report writing (Martyn, 2013: 142-149). Additionally, we unders tood of the importance of collecting information in a fair and systematic manner and the analysis of the data not only with great care, but also in a systematic way. It is the rigour of the analysis that determines the validity of the research results (Pia, 2013). While choosing the research question, we first started by first broadly discussing areas in management which were of particular interest to us and which most of the group members thought were practical and needed to be further studies into. We consequently did a literature review on various case studies to do with management before settling on CUPE Ltd which was not only practical, but also was related to the interests of all the members of the group. To refine the topic to investigating the decline in the number of people

Fibroadenoma Assignment Example | Topics and Well Written Essays - 1000 words

Fibroadenoma - Assignment Example The most susceptible persons to this condition are young women and teenage girls. It is diagnosed through various tests such as â€Å"mammogram, clinical breast examinations, ultrasound, fine needle aspiration and core needle biopsy† among others (Moris, 2005, p.46). Their sizes differ and ranging from one patient to another, they sometimes reduce in size or shrivel at will and can expand even more when a woman has conceived .According to Moris (2005, p.99), a bigger percentage (about 90%) of fibroadenomas are not more than 3cm in size while the remaining percentage are 4 cm or more in length. The tumour itself is oval in shape, stretchy or supple and has soft facade. It is grey-whitish and can sometimes come when soft or hard on the outside (Dabbs, 2012, p.121). There is strong evidence that supports the proposition that women who have a family history which is enmeshed around breast diseases and fibroadenoma are more likely to suffer from the same. Although the chances of suffering from this disease reduces as one ages; past menopause it is lower, a family medical history especially those girls and young women whose mothers or grandmothers suffered from breast diseases are more predisposed to this condition. It is therefore important to dig deep into the family medical history of a patient before diagnosing them with this disease. Also, a person stands a high chance of being diagnosed with these conditions if she had suffered from a breast related condition before. Patients who have ever used hormone therapy are more likely to record even bigger lumps of Fibroadenomas as it is most active during the years of female reproductions (Dabbs, 2012, p.176). Mostly, Fibroadenomas are never treated although it is monitored regularly just in case it can erupt into a serious condition. Surgery is an option though for those patients who feel totally uncomfortable with the growth on their

International strategic management Case Study Example | Topics and Well Written Essays - 1500 words

International strategic management - Case Study Example The whole food market strives to have the highest variety of quality products in the market. This they do by ensuring a top selection of food suppliers who produce and maintain high standards of food production. They also ensure that these suppliers maintain a reasonable degree of social and environmental responsibility while producing the goods. Whole food since 2002 has tried to develop new individual stores to help them stock a lot of this produce (Thompson, 2010, p.1). Whole Food Market is also pursuing its goal for providing products of high quality in the market. These are healthy products free from all the preservatives and any other product that becomes genetically engineered that will reduce its quality as organic. The company strives in dominating the local market and also the international market. Whole food market stores are also developing ways of attracting customers to the store. They ensure that they maintain a conducive environment for their customers. This include t he use of ambient lighting, educational demonstrations to encourage their shopper to come back again and bring other customers to the stores. Whole food also uses a strategy of team work for their operations. The members of the staff get involved in the process of hiring new employees, developing and implementing new ideas and also encouraging members’ individual thinking, while still maintaining individual accountability for both the success and failure (Thompson, 2010, p.14). Q2 Yes, the strategy is well matched since Whole food objective is to supply their consumers with products of the highest quality. These are products that lack pesticides and other genetically engineered products that are likely to affect the consumers, community and agriculture health. The products also have a flavored taste to the benefits of consumers and as a current trend in a healthy lifestyle. In order to maintain their natural and organic food sectors, the firm's product line include nearly 300 00 natural, organic food and non food products (Thompson, 2010, p.10). The firm also provides fresh produce like meat and poultry, exceptional quality cheese, frozen foods and a selection of daily baked goods. All the meats and poultry provided are natural. The animals got raised without artificial growth hormones or the byproducts in their animals. The entire sea food is wild caught or found from the aquaculture farms. Q3. Yes, He has a strong vision for Whole Foods being an international brand not only just for organic and natural foods, but also as the best and leading food retailer in every region where the food stores are present. His vision was to see whole food set high standards for excellence in the business of food retail. His vision of marketing high quality and natural, organic foods to more customers all over would eventually transform the diets of people. This will make them live longer, healthier and happier lives. His vision sees the company’s future strategic course. It resonates what the firm wants to be, where it’s heading to and the scopes of its future. He is not planning to leave it at only the supply of natural and organic foods but also, take the entire food retail business (Thompson, 2010, p.2). The company’s motto is a compelling one. This is because it covers three most vital areas of success in the food industry. It majorly focuses on superior quality of the products getting offered it covers the

Final Project Assignment Example | Topics and Well Written Essays - 1250 words

Final Project - Assignment Example that has to be carried out in detail, and the effectiveness of the intervention method weighed using relevant data collection methods to ensure its effectiveness. Most companies with the right approach to QI have been able to claim a competitive edge in the market and achieve major benefits raging from reducing costs, to increasing the quality of goods, adding value of the entire process in goods or service manufacturing. Therefore, QI is a value proposition approach aimed at satisfying customers and facilitating effective business operations. In any organization, continual improvement in systems and process to ensure quality has to be made part of the organizational culture. Continual improvement requires management to determine the problem in an organization, seek ways to solve the problem, plan implementation of the plan, and then ensure system checks to uphold quality in systems and processes. This leads to the principles of quality improvement. Quality improvement story may be described as systematic plans and procedures taken by a company with an aim of improving quality in goods production or services, to offer more value proposition to customers, while at the same time reducing costs to the company. An example of this is the Just in time (JIT) system, which is a Japanese quality improvement process that reduces inventory costs, resulting in reduced operating costs to the company, increased efficiency, and more value to customers. The quality improvement process as defined by Omachonu & Ross (2004) involves seven s ystematic steps that have to be taken to solve a specific problem. These are identifying a problem, planning how to solve the problem and putting long term measure to ensure the problem does not reoccur in the process again. Quality improvement story involves the use of the quality improvement wheel that requires checking, doing, planning, and acting as a continuous process aimed at improving systems and ensuring quality (Dessler & Farrow,

The Raven - Edgar Allan Poes Essay Example for Free

The Raven Edgar Allan Poes Essay Edgar Allan Poe was born on January 19, 1809 in Boston, Massachusetts. He is one of the most significant writers in the American history. Well known for its mystery and horror stories he is considered part of the Romantic movement in US and the inventor of detective fiction genre. On January 29, 1845 he publishes his poem The Raven in the Evening Mirror which granted him with immense fame (Edgar Allan Poe: A Critical Biography 1941). The editor of the publishing newspaper wrote: It is the most effective single example of â€Å"fugitive poetry† ever published in this country; and unsurpassed in English poetry for subtle conception, masterly ingenuity of versification, and consistent, sustaining of imaginative lift and â€Å"pokerishness. † It is one of these â€Å"dainties bred in a book† which we feedon. It will stick to the memory of everybody who reads it(Evening Mirror, New York, January 29, 1845). The poem is of great artistic merit, it exudes many emotions and arise many feelings. Every reading of the poem gives new experience and new feelings but when You got familiar with Poes life a inevitable question is arising. Putting together The raven and Poes life we can see that the place where the poem is written corresponds to the room where the action of the story is held in addition the raven represents Poes inner self, furthermore for the image of the narrator Poe uses for prototype himself and all these lead to the conclusion that The Raven is Poes own view about his fate. The correspondence between the time and the settings of the poem and the time and conditions it was written supports the idea of coherence between the story of the poem and the prediction for the future that lies before the author. The Raven was published in January 29, 1845, according to The New York Times at that time Poe and his wife Virginia lived at a farm house in New York. In 1844 the farm house was away from the city. Poes home stood on a rocky and commanding eminence a few hundred feet of 84 Street and St. Nicholas Boulevard, at that time Manhattan was a country north of Greenwich Village otted with tiny hamlets(The New York Times January 1, 1908). This distant and isolated house was his sanctuary giving him solitude from the world outside. We can see quite the same at the opening of the poem with depiction of the room. The room is closed claustrophobic place well furnished with lots of books and heavy curtains which give a sense of isolation And the silken, sad, uncertain rustling of each purple curtain (line 13) Straight I wheeled a cushioned seat in front of bird, and bust and door (line 68) Then, upon the velvet sinking, I betook myself to linking (line 69). Isolation and solitude is was the narrator is seeking in order to surcease the inner pain and sorrow. What is more the time of the action in the poem and the time of its writing is the same winter. The poem was published in January 29 and the process of the writing can take us a month back in December. December is the time in which the action in the poem is held. The view from Poes distant house away from the city during the winter is only bare uplands which co-responds to the description he gave bleak December at the beginning of the second stanza Ah, distinctly I remember it was in the bleak December (line 7). In a nutshell the place, in which he lived at the time of the writing of The Raven, resembles the place in which the action takes place. Another evident in favor of the statement that the poem corresponds exactly to the view about Poes fate is the fact that he uses himself for prototype of the protagonist in the poem. The narrator possess many books which refers that he is well educated and intelligent as Poe himself. The protagonist is suffering from great inner pain and sorrow and vainly hoping for a cure Is there—is there balm in Gilead? —tell me—tell me, I implore! (line 89) as does Poe at the time, according to Arthur Quinn , in which the poem was published his great love Virginia had been sick from Tubercolosis for three years, her death is inevitable and Poe is aware of it (Edgar Allan Poe: A Critical Biography 1941). Another confirmation is the fact that the narrator is using the books for distraction from the painful reality which Poe had been doing for a long time Once upon a midnight dreary, while I pondered, weak and weary / Over many a quaint and curious volume of forgotten lore (lines 1- 2). In brief the narrator is a mirror image of Edgar Allan Poe. The fact that The Raven represents Poes inner personality confirms the statement that the poem is Poe foresight about his fate. We can see the manner in which Poe rites The Raven with capital R which tells us that it is not any raven. Well known for his macabre stories full with horror, this ebony bird is his black soul, his sinister mind. His talk with the bird asking if he will be or will be not again reunited with his beloved Lenore in the after life is a symbol of his inner doubts and desires Tell this soul with sorrow laden if, within the distant Aidenn (line 93) It shall clasp a sainted maiden whom the angels name Lenore— (line 94) Clasp a rare and radiant maiden whom the angels name Lenore. line 95). Another confirmation is the conversation with the bird in which he is begging for nepenthe to release him from sorrow but his request is not fulfilled which represents Poes inner inability to free himself from the pain Respite—respite and nepenthe from thy memories of Lenore; (line 82) Quaff, oh quaff this kind nepenthe and forget this lost Lenore! (line 83)† Quoth the Raven â€Å"Nevermore. †(line 84) An additional element leading to the conclusion that the ominous bird is a personification of Poes inner self is the way how he writes Hope and Hopes with capital H, referring both to the bird and to the narrator On the morrow he will leave me, as my Hopes have flown before. (line 59)/ Till the dirges of his Hope that melancholy burden bore (line 65). In other word the raven is a representation of Poes inner self. To cut a long story short the poem The Raven is Poes view about his own fait. In The Raven the action is held in a place which resembles the house that Poe and his wife Virginia inhabited, also in the story Poe gives life to his dark inner self trough the image of the raven, who took the life of the narrator which prototype is Poe himself. Though the cause of Poes death is unclear, according to Jeffrey Meyers and Charles scriber, Poe had died from Delirium Tremens alcohol poisoning (Edgar Allan Poe Jeffrey Meyers, Charles Scriber, 1992) responsible for which is Poe himself or in particular his inner inability to resist the need of alcohol. In other words the foresight had been fulfilled.

European Union Bringing Peace To Europe Politics Essay

European Union Bringing Peace To Europe Politics Essay The history of Europe was the history of war. The wars bore the modern nations of Europe such as England, France, Germany, Russia, and Italy. Afterwards, they developed their own cultures, which are nationalities, languages, traditions and histories. Due to this characteristic mixed with these various cultures and its nation-centred international politics system of Europe, there rarely was period that ceased from wars in Europe. Furthermore, two world wars in XX century caused the collapse of all Europes peace and prosperity and Europe, as a result, was no longer the centre of the world. The world power was already moved on the U.S.A and the U.S.S.R. For this reason, people of Europe started to perceive the need of its combination and the European Union was made to restore political peace and economic prosperity of Europe (Nugent, 2006). At this point, it is needed to ask that the European Union has truly fetched peace and prosperity to Europe. It strongly appears to me that the European Union has contributed to political stability and economic growth to Europe. To demonstrate it, this essay will deal with the following aspects of the historical efforts and intergovernmental agreements which the European Union has made to contributed to political stability and economic growth of Europe in XX century. -Main Body Above all, it is essential to define the mutual relation between political peace and economic prosperity. These two important factors which can decide the rise and fall of each country tend to move together. It means that it is hard to say that there is prosperity without peace or peace without prosperity. For a recent example, economic status of Ireland was almost the lowest in the European Union in the past but now is definitely regarded as a wealthy country in the European Union. This remarkable economic rise led to synchronize the decrease of al large number of armed conflicts in Northern Ireland, one of the most unstable areas in Northern Europe. In other words, this means that it is clear that political stability of a country was highly dependent on economic prosperity (Strong, 2006). Therefore, peace and prosperity are achieved separately rather simultaneously. Equally, it is needed to approach to political peace and economic prosperity of Europe in this way. Peace and prosper ity of Europe through the European Union have not gained respectively but coincidently. The first significant movement that brought peace and prosperity to Europe was the treaty of The European Coal and Steel Community. After the Second World War, it was widely diffused to aim at United Europe for its peace and prosperity seeing Europe impoverished by war. Robert Schuman, the French Foreign Minister at that time, suggested epoch-making idea about creation of the consolidated organisation that jointly supplies and controls strategically important resources such as coal and steel. This is called The European Coal and Steel Community (ECSC) and it became the cornerstone of the European Union (http://europa.eu/ecsc/results/index_en.htm). It was obvious that this ECSC treaty brought rise of living standards to overall European society with high economic growth of each country, based on common market, common goal and common organisation. In addition, The ECSC provided with not only co-operation of the field of Coal and Steel but also political stability of Europe still surrou nded with fear of war. It means that it became possible to check each other between nations of Europe by joint distribution and joint control of Coal and Steel, which is indispensible for war. The second important movement with respect to peace and prosperity of Europe is the Single European Act of 1986 (SEA). In the period of 1971-86, Europe was in heavy economic recession. This stagnation could be regarded as a result that EC members did not successfully cope three serious incidents such as the collapse of the Bretton Woods system, the oil crisis, and the resulting bad economic results (Çà ­ftà §Ãƒ ­, 2005:476). Afterwards, in 1985-91, The European Union accomplished prompt growth in the process of economic integration of Europe. However, there was the budgetary crisis, which was an obstruction to progress economic integration of Europe. It was fortunately settled by Mitterrands consent in 1984 about sharing a great amount of the expenses with respective to the Common Agricultural Policy (CAP) budget. Consequently, these successive events extended into the creation of the Single European Act of 1986 (ibid). Beyond all, the main issue of the SEA was the accomplishment of internal single market of Europe. The SEA became the opportunity to support institutionally development of the internal single market and deregulation. Through the SEA, the integration process of European community was changed qualitatively. Internal single market is qualitatively different concept from free trade zone between nations or geographical extends of trade. In other words, this internal single market means that each government should be pushed to adopt common standards such as technology, regulations, and norms and so on. It means that all European countries should be responsible for mutual economic benefits. More importantly, needless to say each government, European commission and supranational capitals, this progress was supported by public opinion and even many trade unions such as public consensus (Benink, 1992). It means that the SEA brought economic growth to Europe and, at the same time, drew a conclus ion, national consensus which can be developed to political stability. As a consequence, it is seen that peace and prosperity of Europe were not achieved separately. They mostly come together. The third remarkable movement related with peace and prosperity of Europe is the Maastricht treaty of 1992. This treaty brought the most innovative outcome. The Economic and Monetary Union of 2000 was inaugurated. This was definitely the climax of exertion of European Communitys countries that had accelerated European monetary integration for around 30 years and also the turning point in history, which proceeded to new stage of European integration (Grieco, 1995). As a result of this treaty, European single currency, the Euro was launched in 1999. By launching the Euro, it was vanished to lose the benefits due to extreme fluctuations in the exchange rate and became clear to know prices of other countries merchandise. In addition, there was no longer exchange fee. These advantages of the Euro led to more active international trade between European nations and ultimately brought the economic prosperity of Europe. Moreover, in the Maastricht treaty, the Common Foreign and Security Policy (CFSP) was launched. The CFSP included all areas related to joint security, joint defense and diplomacy of the European Union. Despite that militarily importance of the United States of America was relatively reduced by extinction of the USSRs threat, it was still seen that European nations was dependent on the USA. This was mainly because the NATO, which still had important role in European security due to disability regarding dispute resolution of European nations, was practically moved by the USA. In this circumstance, a bond of sympathy that Europe needed its own military strength to cope jointly increasing international terrorism and geopolitical conflicts began to be naturally formed. Subsequently, the Common Foreign and Security Policy (CFSP) was initiated according to the Maastricht treaty (Hurd, 1994). The purposes of the CFSP were to safeguard the common values, fundamental interests and independence of the Union and to develop and consolidate democracy and the rule of law, and the respect for human rights and fundamental freedoms. (Nugent, 2006:90). Hence, it can be told that the Maastricht treaty consequently begot peace and prosperity of Europe by pursuit of two objectives such as The Economic and Monetary Union and the Common Foreign and Security Policy. -Conclusion To sum up, by examining three significant treaties in this essay, it becomes self-evident that the European Union has constantly pursued peace and prosperity of Europe by advancing the treaties and implementing them and they have finally built the new framework of peace and prosperity of Europe. Additionally, it is also crucial to comprehend that political peace and economic prosperity are concurrently fulfilled. It is true that the European Union has kept a large number of difficulties to stabilise national status for decades. Nevertheless, it is undoubtedly certain that the European Union will be a high-quality model of many areas where peace and prosperity need. -References Benink, Harald, A. (1992). Financial Integration in Europe: Financial and Monetary Policy Studies. Dordrecht; Boston, Kluwer Academic Publishers. Çà ­ftà §Ãƒ ­, Sabrà ­. (2005). Treaties, Collective Responses and the Determinants of Aggregate Support for European Integration. European Union Politics 2005 Vol 6: 469-92. SAGE Publications. Grieco, Joseph, M. (1995). The Maastricht Treaty, Economic and Monetary Union and the neo-realist research programme. Review of International Studies Vol 21: 21-40. Printed in Great Britain. http://europa.eu/ecsc/results/index_en.htm (Accessed 09 November 2010). Hurd, Douglas. Developing the Common Foreign and Security Policy. International affairs, Vol 70, No 3: 421-28. Blackwell Publishing. Nugent, Neill. (2006). The Government and Politics of the European Union, 6th ed. New York, Palgrave Macmillan. Strong, Michael. (2006). Understanding the Power of Economic Freedom to Create Peace. FLOW, Inc.

Impact Of The Monetary Policies

Impact Of The Monetary Policies Introduction Through a literature review, this chapter aims to explore the impact of the monetary policies and regulations on bank risks and their operations in Zimbabwe. Section 2.1 will give a brief over view of Zimbabwe and Section 2.2 will discuss the Zimbabwean economy. Section 2.3 will outline a background on the rationale of financial regulation through the exploration of the Basle Accord II. In section 2.4, financial regulation in Zimbabwe and its influence to the economy will be examined. An overview of the banking system and the type of risks it is exposed to will be considered in section 2.5. Section 2.6 will explore the Zimbabwean banking system and its major challenges also linking these to the country„Â ¢s financial regulation. In section 2.7 the author discusses Enterprise Risk Management (ERM) which is an integrated and holistic risk management framework that organisations are encouraged to use as a change management strategy for managing risks. Section 2.8 will finally sum marise this chapter. Overview of Zimbabwe Zimbabwe (formerly Rhodesia) is a landlocked country in south-central Africa. It lies between the Zambezi River which in the north and the Limpopo River in the south. Its neighbouring countries are Zambia, South Africa, Mozambique and Botswana. Zimbabwes capital city, Harare, is located in the northeast part of the country (Coltart 2008). Zimbabwe gained its independence from Britain in 1980 after a long armed struggle led by the leading party, Zimbabwe African National Union Patriotic Front known as ZANU-PF, (Makumbe, 2002). It has a population of 13,349,00 people with a gross domestic product that is estimated to have fallen by about 14% in 2008 due to economic disruptions caused by hyperinflation and the further deterioration in the business climate (World Bank 2008). The economy of Zimbabwe Chitiga (2004) contends that agriculture plays a central role in the economic performance of Zimbabwe. The agricultural sector is important to the economy for several reasons (Christiansen 1993).In the 1980s, it was the major employer, employing a total of over 70% of the country„Â ¢s population. The sector continues to be a major employer to this day. In Zimbabwe, droughts continue to be a major problem and raises concern about food security (Chitiga 2004). However despite the ever changing weather patterns affecting the agriculture sector in Zimbabwe, Coltart (2004) notes that agriculture the mainstay of the economy was all but destroyed by the politically expedient and violent land reform program initiated by the ZANU PF government in 2000. Collapse of Zimbabwean economy Coorey et al( 2007) argues that, while the initial output collapse is widely attributed to the chaotic seizure of commercial farms in Zimbabwe which is the backbone of the economy, other factors have also contributed in recent years to the county„Â ¢s collapse which include; 1) high and accelerating inflation of 230 000 000% in 2008, 2) price distortions due to extensive controls and regulation, particularly relating to the exchange rate which is fixed by the Reserve Bank of Zimbabwe (RBZ) at a highly overvalued rate, 3) the collapse of investor confidence due to unpredictable policies and lack of respect for property rights, particularly in agriculture and mining and 4) minimal external financing because of poor relations with creditors and donors and deteriorating economic and social conditions. (Munoz 2006, Dore et al 2008, Hanke 2008) argue that the RBZ„Â ¢s polices such as printing of money, quasi-fiscal activities by the RBZ, have specifically caused the economic instability in Zimbabwe. The consensus amongst these authors is that the country„Â ¢s government policies alongside with the central bank have played a major role in causing hyperinflation which rose to 230 000 000% in 2008. Coltart (2004) highlights that the government is chiefly responsible for an economic meltdown. Muponda (2008) notes that Zimbabwe„Â ¢s inflation was driven higher by the central banks lack of independence from the government. Therefore the banks policies have been primarily dictated by the government. The RBZ has been forced to be financier of first choice and literally print money to fund its the quasi fiscal activities.. The challenges faced by Zimbabwe have been contributed by various factors including, the land reform programme in 2000 (Coorey et al 2007), political unrest in the country which has isolated the country from the global community through sanctions and withdrawal of investments and international business community. Research by Cukierman (2001) and the IMF (1996) suggest that countries accorded greater autonomy to their central banks also experienced lower average inflation whilst those economies where there is no central bank independence have higher inflation rates. The influence of the government on the RBZ has resulted in the bank implementing unorthodox monetary practices such as printing of money which has fuelled hyperinflation. Hanke (2008) refers to hyperinflation as the hallmark of Zimbabwe„Â ¢s economic collapse. The state of the Zimbabwean economy has undergone, major changes with major economic and political reforms implemented by government officials to restore the economic soundness of the country in the year 2009. There is the use of multi currencies in the country as the economy was officially dollarized by the central bank in February 2009 resulting in the removal of the local currency (RBZ 2009). Since the adoption of multiple currencies, deposits into the banking system have grown to US$705.7 million by 3 June 2000 (Government of Zimbabwe 2009). Already, the economy is on a recovery path as reflected by macro-economic stability, inflation reduction, enhanced capacity utilisation, resulting in improved supply of goods and services as well as overall growing business confidence (Biti 2009). Financial Regulation Effective regulation is of fundamental importance for the economic performance of any sector in the economy to address market failure (Jalilian et al 2003). The mishaps and failure of large corporate institutions in the financial sector have caught the attention of regulators, who have taken a more stringent regulatory approach in the financial sector. In recent years, a number of financial crises have brought about a large number of bank failures (Casu et al 2006), such as Barings Bank in 1995 and Northern Rock in 2007. Likewise the banking crises in the early 1980s and early 1990s have shown that banks experience problems which create a potential threat to depositors, investors and the safety of the industry with unpleasant consequences for the economy as a whole (Caprio and Klingebiel 2003). Financial regulation focuses on the factors that are essential to the stability and well being of the financial sector (Stewart 2001). The susceptibility of banks to contagion creates systemic risk which is the risk that disturbances in a financial institution or market will spread across the financial system (Heffernan 2005). It is the role of the central bank to implement measures to shield the country„Â ¢s economy from being affected by the results of the crises. Stiglitz (2000) contends that the aim of regulators is to minimise the possibility of a breakdown in the financial sector and prevent any adverse effects on the long term growth rate in the economy. In some instances government have had to rescue banks to avoid the crises from spreading to other banks and affecting depositors as well.. Restrictions on bank activities, risk adjusted minimum capital requirement, direct intervention of managers decisions are three basic devices that can be applied by regulators to control bank risks (Fenandez and Gonzalez 2005). Minimum capital requirements Various authors (Besanko and Kanatas 1996, Calem and Rob 1999) however argue that regulations such as minimum capital requirements are likely to increase the risk taking behaviour of banks. According to Kendall (1992) higher capital requirements may cause riskier bank behaviour at some point in time, although it does not necessarily imply a trend towards a riskier banking system. Beatty and Gron (2001) indicate that capital regulatory variables have significant effects for low-capital banks but not necessarily for other banks. Studies by Barth et al. (2004) also indicate that while more stringent capital requirements are associated with fewer non performing loans, capital stringency is not robustly linked with banking crises or bank development or efficiency when controlling for other supervisory and regulatory policies. Bank Regulations Bank authorities regularly attempt to promote bank soundness by imposing restrictions on banks activities (Constantin et al, 2006). In their research, Constantin et al (2006) found that restricting bank activities is negatively associated with bank development and stability. Barth et al. (2001) found that greater regulatory restrictions on bank activities are associated with higher probability of suffering a major banking crisis, and lower banking sector efficiency. Lascelles (2005) adds that a survey conducted by Pricewaterhouse Coopers found that excessive regulation was seen as the greatest risk facing the financial sector. However in contrast to this, Fernandez and Gonzalez (2005) indicate that stricter restrictions on bank activities are effective at reducing banking risk. It would appear overall that restrictions on banking activities forms as a basis of ensuring that banks do not divert from their core business and conduct sound banking practices. Basle Accord It is because of problems such as the financial crises that the Basle Accord II emphasises on the supervisory role of the regulator. In June 1999, the Basle Committee on Banking Supervision made its long anticipated announcement to introduce a new capital accord to introduce a new capital adequacy framework to replace the 1988 Accord (Ong 2005). This framework was then finalised in June 2004. Cai and Wheale (2007) note that this framework is designed to improve risk management by using models based on past performance to help set the amount of capital banks are required to hold by regulators with the purpose of improving the efficiency of the global allocation of capital. Efforts were made to initiate the new Accord as the first accord of 1988 was highly criticised for its shortcomings. risk. The new accord seeks to overcome the problems of the 1988 framework focusing on three pillars (Basel Committee 2005). Pillar 1 sets out the minimum regulatory capital requirement that is the amount of capital banks must hold against risks. This is intended to cover market risk, credit risk and operational risk. Pillar 2 defines the process for supervisory review of an institutions risk management framework and, ultimately, its capital adequacy. This pillar points out responsibilities for the board and senior management, emphasising on internal control corporate governance practices established by regulatory bodies in various countries worldwide. Sironi and Zazzara (2003) argue that this pillar gives regulators the right to inspect and supervise the activities of banks to ensure that they are adhering to the requirements of the framework Pillar 3 focuses on market discipline. In order to improve the transparency of banks to counterparties and investors, banks will be required to disclose detailed information on their risk profile and capital adequacy (Gordy and Howells 2006). The benefits of the Basle II are noted in the three pillars, as there will be enhanced disclosure, transparency and this will improve on banks risk management processes. Cai and Wheale (2005), site that banks will need to collect and disclose new information and face the implications of increased transparency. Cai and Wheale (2005) add that more information will help enable banks to improve overall risk management which in turn is expected to prompt improvements in corporate governance, transparency and the value of disclosure. Ong (2005), supports this and says that Basle II is very important and it is about improving risk management within the financial industry by providing the correct incentives for better corporate governance and fostering greater transparency. The Basle accord on the other hand is criticised for some of its shortfalls. For example the fact that the costs of Basle II are significantly high in terms of implementation and continuing basis in the long run (Gordon 2004). Banks lose their flexibility, innovation and development are interrupted. Due to the fact that limited resources are available, many risk managers will spend a long period of time on interpreting regulations, implementing the solutions and then justifying the output to supervisors (Smith and Walter 2003). Hence little time will be available for innovation and development. The compliance with laws and regulations is not able to help banks avoiding all risks. Zimbabwean Financial Regulation The Reserve Bank of Zimbabwe is responsible for the formulation; implementation and monitoring of the monetary policy directed at ensuring low and stable inflation levels (Reserve Bank Act). The RBZ does not, however have the operational independence in carrying out this responsibility, as it is required by statute to consult the Ministry of Finance (Dore 2008). This has resulted in the RBZ operating from the executive arm of the government instead of adhering to a binding legal mandate (World Bank 2007). Bade and Parkin (1982) note that political independence is defined essentially as the ability of the central bank to select its policy objectives without the influence from the government. A central bank is said to be independent of its monetary policy if it is not influenced by political cycles or by the preferences of politicians (Eljffinger and de Haan 1996). The RBZ„Â ¢s policies have been influenced by Zimbabwean political authorities therefore the bank has been lacking central bank independence. Another core function of the RBZ is to maintain stable banking system through its supervision and lender of last resort functions. Post 2003 monetary polices and regulation The turning point in Zimbabwean financial services sector was marked by the appointment of the new central bank governor in 2003. During this period the governor issued a monetary policy and financial regulations which sought to minimise non-core banking activities practiced by banking institutions (Dore 2008). The other objectives were to instil market discipline and improve corporate governance and risk management systems. As a result of the RBZ„Â ¢s severe supervisory efforts, various banking institutions experienced liquidity and solvency challenges. Consequently, nine financial institutions were placed under curatorship whilst 3 were liquidated. Banks currently face risk management challenges, economic and political uncertainties and new regulatory requirements emanating from the RBZ regulations and unstable political environment (Muponda 2008). The RBZ governor, notes in the 2009 monetary policy (Government of Zimbabwe 2009) that prior to 2003, an adverse macroeconomic environment, weak supervisory approaches, and regulatory forbearance gave rise to a number of fundamental flaws in the operations of banks. These included; 1) a shift from core banking business to speculative transactions, 2) abuse of bank holding company structures to evade regulation, 3) poor corporate governance, risk management practices and insider dealing, 4) rapid local and regional expansion with no proper internal controls, and adequate capacity and 5) disregard of prudential laws and regulations. Smith and Walter (2003) suggest that the fundamental objective of regulators is to develop frameworks and guidelines that will further strengthen the stability of banking system. This objective is achieved in promoting the adoption of these frameworks in banks. To enhance the supervisory process, the RBZ has developed and issued guidelines for the banking s ector in order to address operational and structural deficiencies prevailing in the financial sector, (Government of Zimbabwe 2009). These guidelines are shown below in table 1. Basel II implementation The Basel II implementation in Zimbabwean banking industry is still in its preliminary stages. A survey by Ernest and Young in 2005 (Lescellos 2005) shows that many banks in developed countries have come up with implementation programmes of Basle II whilst in developing countries implementation is still at the initial stages. This survey is confirmed by evidence of the current implementation status in Zimbabwe. The current guidelines setup by regulators in Zimbabwe is that all banking institutions must fully adopt standardised approaches for allocation of capital for risk (credit, market and operational). However a technical guidance on Basle II implementation in Zimbabwe will be issued in due course to provide a road map and expert guidance on full Basle II implementation in the country, (Monetary Policy 2009).This shows how slow the progress has been in the full implementation of the framework in Zimbabwe, and could be the cause of the major problems faced by country„Â ¢s th e banking industry. Cai and Wheale (2005) however report that awareness and preparation for Basel II in the emerging markets and developing countries has increased significantly over the past two years. Banking Sector It is widely accepted that the banking system has a unique position in the national economy (Heffernan 2005). A banking system that is able to operate efficiently is of crucial importance to any economy (Quagliariello 2002). The banking system must not only be efficient in carrying its role as an intermediary in the financial market but it must also be economically robust to withstand adverse shocks such as a major policy change to economic downturn. Traditional functions of banks include lending money to borrowers and taking deposits. They play a financial intermediary role of providing loans to borrowers and collecting deposits from savers (Casu et al, 2006). Poorly operating banking systems can impede economic growth, intensify poverty and destabilise the economy. These poor operations can be due to banks with inadequate risk management processes (Stiglitz 2000). Banking Risks The nature of banking activities eposes banks to the following risks Due to the nature of banking activities, they are exposed to various risks. These credit risk, market risk, liquidity risk, operational and foreign exchange risk. Credit risk The Basle Committee on Banking Supervision (2000) define credit risk as the potential that a borrower or counterparty will fail to meet its obligations in accordance with greater terms. Credit risk is associated with the traditional lending activity of banks and it is simply described as the risk of a loan being repaid in part or full (Casu et al, 2006). Liquidity risk This is the possibility that a bank will be unable to meet its liquid liabilities because of unexpected withdrawals of deposits. An unexpected liquidity shortage means that the bank is not only unable to meet its liability obligations but also unable to fund its illiquid asset (Matthews and Thompson 2008) Interest rate risk Financial intermediaries are potentially exposed to interest rate risk because of the mismatch between the maturity, or time to repricing of their assets and liabilities (Faff and Howard, 1999). The interest rate sensitivity exhibited by a financial institution will depend, in part, on the approach which its management adopts to controlling risk. Operational risk The Basel Committee on Banking Supervision in 2003, recommended the correct determination of the risks to which a banking organization is subject. This concerns, in particular, operational risks, which are all those management events that may determine unexpected losses (Cornalba and Guidici 2005). The New Basle Accord (2000) defines operational risks as the risk of loss resulting from inadequate or failed internal processes, people and systems or from external events (such as political and economic factors), including legal risk but not strategic and reputation risk. Market risk According to Matthews and Thompson (2008), market risk is the possibility of loss over a given period of time related to uncertain movement in market risk factors such as interest rates, currencies equities and commodities. Foreign exchange risk Exchange rates may change rapidly which exposes firms to foreign exchange rate risk, which is the risk that losses may arise from rises or falls in the value of a currency in terms of the domestic currency. Eichenbam and Evans (1995) suggest that there is a link between monetary policies and foreign exchange rates. Contractionary shocks to monetary policies are followed by sharp persistent increases in exchange rates, which ultimately results in foreign exchange rate risk. Other risks that affect banks include strategic, regulatory and legal and compliance risk There is a clear sense that risk exposure of the financial system has increased by changes that have taken place (Hellwig 1995). Casu et al (2006) notes that changes such as deregulation, conglomeration, and globalisation have posed serious risk challenges. Calomiris and Maso (2003) emphasise that the risk taking behaviour of banks affects financial and economic fragility. In turn regulators have undertaken greater efforts of regulation to impose new risk management standards to shape bank risk (Elsinger et al 2002). In compliance to this banks have improved their risk management systems. Examples of other regulatory reforms advocating for risk management frameworks are the Sarbanes Oxely Act of 2002, the Basle Accord II and the Committee of Sponsoring Organisations of the Treadway Commissions (COSO) Enterprise Risk Management of 2004. Zimbabwe banking sector The Zimbabwe financial sector consists of the Reserve bank, discount houses, commercial banks, merchant banks, finance houses, building societies, a development bank and the Post office savings bank, insurance companies, pension funds and a stock exchange, (Dore 2008). There are currently twenty-eight banking institutions in Zimbabwe,fifteen commercial banks, six merchant banks, three discount houses,4 discount houses and one development bank. All banks are licensed by the RBZ and regulated under the Zimbabwe Banking Act of 1999. Zimbabwe„Â ¢s financial services sector has witnessed phenomenal growth since economic deregulation in 1991 (Muranda 2006). During the period of 1991 to 2003 new domestic banks entered, financial sector. New Innovations and development have been witnessed with the introduction of new products and services within the sector. Table 1.2 below shows the banking sectors growth trend from 19992 to 2004 of financial. However the banking sector has been gripped with many challenges, which began to surface during the period of the land seizures in 2000. These policies created extremely difficult economic and political challenges for the banking industry. The IMF (2006) argues that events in the banking sector have been concurrently influenced by political factors.. The situation was heightened in 2003 by the new regulations set by the appointed RBZ governor. It was reported by Voice of America (2004) that at least six of Zimbabwe„Â ¢s new commercial banks are were in trouble. It linked this distress to the governments new monetary policy announced in December 2003, in which the central bank vowed to stop speculation in the Zimbabwe dollar and related instruments. Biti (2009) in the Zimbabwean fiscal policy points out that between 2000 and 2008, the financial sector has severely been undermined by inconsistent macro-economic policies, negative real interest rates, massive capital flight and erosion of deposits. Overall, the financial sectors balance sheets were reduced to less than 25% of their 2004 value, reflecting an erosion of the real value of financial assets and liabilities in Zimbabwe dollars (World Bank 2005). In order to remain afloat, most banks have had to downsize their operations by closing some branches, especially those in the outlying service centres, leaving about 65% of the population without access to banking services. The rural areas were particularly affected by this. Factors that have influenced liquidity risks include frequent ad hoc changes in interest rates by the RBZ, lengthening of maturity of treasury bills at highly negative interest rates (IMF 2008). Foreign exchange risk in the banking sector has increased becau se of the dominance of foreign currency transactions (Hanke 2008). Dhiwayo (2004) reports that, prior to the introduction of the new monetary policy in December 2003, the Zimbabwean banking sector was characterised by poor corporate governance and risk management systems, high levels of insider abuse through assessed loans to related parties (often relatives and friends), overindulgence in speculative non-core banking activities, inadequate capitalisation, lax prudential supervision and regulatory forbearance. This report highlights that three financial institutions were placed under liquidation whilst nine were placed under the administration of a curator. In light of this the central bank adopted a framework known as the Troubled Bank Resolution Framework (RBZ 2004) to effectively deal with banks experiencing problems. They key objectives of this framework were to: 1) restore stability of the financial sector, 2) strengthen the banking system and promote sound banking practices, 3) develop permanent solutions for troubled banking institutions and 4) promote economic development and growth.The Zimbabwe Allied Banking group was formed in 2005 which was amalgamation of the some of the troubled banks. Dollarisation of the economy Over the years the financial sector has been experiencing various challenges such as, cash shortage, foreign currency black markets, abolition of notes and coins and the use of bearer cheques, loss of confidence in the banking system by depositors and the most influential factor which is inflation. Many depositors have lost their savings. Prior to 2009, the Zimbabwean economy had been unofficially dollarised. Unofficial dollarisation occurs when people hold much of their financial wealth in foreign assets even though foreign currency is not a legal tender. It can include the holding of foreign bonds and other non-monetary assets, foreign-currency deposits (either abroad or domestically), and foreign notes (paper money) in wallets, under mattresses, and in safe-deposit boxes, (Hanke, 2008). However in the January 2009 monetary policy, the RBZ governor approved that all sectors in the economy can operate in foreign currency and that lending will be two tier, that is in local currency and foreign currency. Dollarisation has the effect of moderating the adverse effects of inflation on financial intermediaries„Â ¢ balance sheets (Ize et al 2004). This It could be argued that this two tier market system exposes banks to credit risk (in the form of settlement risk and default risk). Minimum capital requirements A capital verification exercise conducted by the Reserve Bank in January 2009 indicated that of the twenty eight (28) banking institutions operating in the country, fifteen were found to be in compliance with the minimum capital requirements whilst three are marginally below, with the remaining ten being undercapitalised. Capital regulation is motivated principally by the concerns that a bank may hold less capital than is socially optimal to its riskiness and negative externalties (Rime 2001). Chiuri et al (2002) considers that the enforcement of capital requirements has had a negative effect on the supply of bank loan over a period of time and the effect tends to be stronger for initially less capitalised banks. The adverse impact of more stringent minimum capital requirements has been somewhat smaller on foreign owned banks than it has on domestic banks (Clarke et al 1999). Enterprise Risk Management A recent trend in risk management has been the development of an integrated, enterprise wide approach to assessing the business risks that can impact an organisation to achieve its objectives and to develop programmes for managing those risks (Miccolis et al 2001). In contrast to the traditional silo approach to managing risk, the ERM approach requires that a company-wide approach be taken in identifying, assessing, and managing risk, (Liebenberg and Hoyt, 2003). ERM enables firms to benefit from an integrated approach to managing risk that shifts the focus of the risk management function from primarily defensive to increasingly offensive and strategic (Bies 2004). Various risk management bodies have been influenced by the proposals of ERM.COSO (2004), defines ERM as: A process, effected by an entitys board of directors, management and other personnel, applied in strategy setting and across the enterprise, designed to identify potential events that may affect the entity, and manage risk to be within its risk appetite, to provide reasonable assurance regarding the achievement of entity objectives. The common method of risk management has been known to treat risks separately. Under this approach according to Lam (1997), Cumming and Hirtle (2001), various categories of risk are managed separately in individual risk silos. Liebenberg and Hoyt, (2003) also criticise the traditional risk management approach as a highly disaggregated method of managing firm risks. An enterprise-wide approach to risk management treats each of these risk classes as part of the firms overall risk portfolio that is managed holistically. Kleffner et al (2003) observes that financial institutions often manage risks in individual risk silos. To manage risk on an enterprise wide basis, banks must expand their focus beyond traditional concepts to include economic and political factors along with risks related to reputation, ethics and data integrity (Pricewaterhouse Coopers 2002). It is therefore important in this research to examine how banks have adopted their risk management framework having considered political and economic factors affecting Zimbabwean bank s. Although ERM is increasing, not as many institutions have implemented it (Walker et al 2002). This may be due to lack of knowledge on its benefits, lack of commitment from board of directors, lack of experienced and qualified risk personnel , a corporate culture that discourages ERM and inadequate systems and technology (COSO 2004). Lam (2007) encourages banks to adopt an ERM programme regardless of their level of sophistication in risk management. He identifies three reasons why banks should adopt ERM: 1.) banks face complex risks that are highly interdependent, and an ERM framework enables a bank to manage all major risks and their interdependencies, 2) an ERM framework provides the overall architecture for a banks risk management programme and 3) empirical research and industry surveys have indicated that there are clear business benefits for adopting an ERM programme. Liebenberg and Hoyt, (2003) observe that ERM benefits firms by decreasing earnings and stock-price volatility, reducing external capital costs, increasing capital efficiency, and creating synergies between different risk management activities. It would appear that ERM helps an organisation to function as a whole or one system as various units dependant on each other. This enables risk management to be implemented fully as risks are consolidated and not treated separately. Influencers of ERM The trend toward the adoption of ERM programs is usually attributed to a combination of external and internal factors. The major exter

Star Wars as Church History Essay -- Exploratory Essays Research Paper

Star Wars as Church History Koenrad Kuiper, writing in the Journal of Popular Culture in the mid 1980s suggests that "[the] Star Wars trilogy creates and recreates imperial myths which serve to sustain imperial culture" (77). He goes on to contend that the Empire of George Lucas’s long ago and far away world recreate these myths for us now as, essentially, a form of social control. Since Kuiper was writing, however, we have been graced with the first in the Star Wars series, The Phantom Menace. The Phantom Menace has opened to tepid reviews and the expected box-office success. Its staying-power has been perhaps a bit disappointing for all at Lucasfilm, but the film has definitely made a cultural impact. Interesting in light of Kuiper’s thesis is that this latest addition to the Star Wars mythology concerns itself with two beginnings: the beginning of the evil Empire of the other three movies, and the beginning of Anakin Skywalker, father to Luke Skywalker and the future Darth Vader. The genesis of both the Empire and Darth Vader in one film is more than coincidence. Rather than Star Wars sustaining an imperial myth, the new film argues for an interpretation that the series, taken as a whole, represents an intricate commentary on the history of Christianity, from its pure beginnings to its ultimate corruption as a quasi-political entity controlling much of Europe. The first and most striking suggestion of this is the fact that Anakin Skywalker’s is a virgin birth. When Qui Gon Jinn, the Jedi master who trains Obi-Wan Kenobi, asks Anakin’s mother who the young prodigy’s father is, she responds: "There is no father." Young Skywalker is later described by Jinn as a "virgence": a virgin birth. The conclusion that ... ...ica: is there reason to believe that the Religious Right will become that new Empire? Will the new war for liberation be right now in a galaxy quite close to home? Addendum It has been brought to my attention by many an astute reader that Darth Maul should more accurately symbolize King Herod. They are correct, of course--an oversight I should've caught. I appreciate the input, and should take the opportunity to note that the Darth Maul/Herod connection still works symbolically, representing the pathway toward an institutionalized and therefore corrupt Christianity. Works Cited Kuiper, Koenraad. "Star Wars: An Imperial Myth." Journal of Popular Culture 21.2 (Spring) 1988. 77-86. Lucas, George. The Empire Strikes Back. Lucasfilm Ltd. 1980 —The Phantom Menace. Lucas. 1999. —Return of the Jedi. Lucas. 1983. —Star Wars. Lucas. 1977.

The Effects Of War And Music Together Essay -- essays research papers

The Effects of War and Music Together How are music and war related? Music puts a voice in the people’s ears, and tells them whether or not we should be involved in that war. It helped out the troops when they were over seas to not be so home sick. Also, every war preceding the Vietnam War had music to help or support the war, but the Vietnam War is where music during wartime changed. The Vietnam War has been called "America's first rock-and-roll war" because of rock music that was played and listened to by all Americans. As the draft was raised and draft dodgers were being cracked down on, an overwhelming number of military personnel belonged to one generation: the average age of combat soldiers was 19 and 90 percent were under 23 years of age (Vietnam War Characteristics). Many of these soldiers did not want to be in Vietnam, and no one wanted to be away from his surroundings back home. Therefore, many soldiers took things that reminded them of home. Rock music was what most soldiers brought from home, along with beads and peace symbols. The beads and peace symbols were worn with the uniforms to remind the soldiers of the family at home (Abernathy interview). Between the military branches, there was no preference in what music was liked, however officers liked one thing and soldiers liked another. Most soldiers preferred hard rock or psychedelic music; 30 percent enjoyed rhythm and blues; 10 percent, country; 5 percent, classical; and 10 percent...

Recent advances in medical technology

The two articles What is telecasters? And ‘Do we know too much? Illustrate what the evolution of medical technology is and how it improves people's life. Both articles provide medical studies to support the curative effects. Furthermore, although there are still some limitations or negative aspects toward the progressions, It Is believed that those will be solved with time. In the article What Is telecasters? ‘ the author elucidates how its operation differs from traditional surgery.It Is revealed that doctor an give a remote operation by using robotic arms connected to fiber-optic cables without distance and facilities restrictions. However, some people doubts If robots can be relied on; the author also states that It might not function well due to the network access and compatibility of computer. The second article alms to address the question of what happens If we can extract Information from our genes. By genetic tests, we can aware of the genetic disorder that we mig ht suffer from and prevent contracting certain diseases.Currently, large range of disorders can be detected by complex genetic tests such as newborn screening, diagnostic, carrier and predictive testing. By the progression of medical technology, we are able to lead a longer and healthier life, furthermore, tests can be used to blood relationship testing and applied to crack down on crime. However, some people worry about that it might result In some negative impact toward their living. As the remarkable development on therapy introduced in the essays, human beings benefit greatly from telecasters and genetic tests; though they are still some limitations and difficulties need to be coped with.

International Student Essay

Introduction Everybody seeks for a better education whatever the difficulties it might bring. The right to education is a fundamental human right (www. encyclopedia. com, 2008). Education seems to be the initial step toward the success of an individual to reach his goal in his life later on. As time passed by, the trend of education becomes different. Part of which is the implementation of the international education. This system gives an opportunity to particular students to have world class learning. These people of our next generation should be well established in order to bring something significant in the near future. Countries like the United States of America have become the premier destination for foreign students. Most top universities in this country is engage of providing education among foreign students. However, being a foreign student is not an easy thing. It just like being a tourist traveling in his preferred destination, the only thing is that these people seem to have more obligations not only within their study but as well as being a temporary citizen of their preferred country. These foreign students somehow faced a lot issues and difficulties that more or less can affect their studies. The Life of a Foreign Student The life of a foreign student tackles many complications and difficulties. First, they have to deal with the reality that they are in a place where they are a complete stranger to everyone. Aside from that, they will be apart from their families and loved ones as well. Foreign students are engage with a lot of sacrifices ion order to achieve something that will make them grow more and such thing is having a world class education. Mostly, students become culture shocked. Especially if when east meets west. The difference in their culture and beliefs somehow results to discrimination. The usual argument about this matter is the inferiority that mostly western countries imply on eastern countries. Unfortunately, up to this point, this particular incident is still prevailing in most international schools and universities. The discrimination based on the racial group of the people or simply called racism creates a negation perception against the international education. Recently, incidents that are related to this tends to be more violent and inhuman. In Melbourne Australia, racism is making the life of foreign students miserable. It has been reported that the effects are becoming severe as racist attacks in Melbourne are on the rise. The investigation has found out that 135,000 foreign students living in Melbourne faced difficulties. (â€Å"Racism†, 2008) The discrimination is somehow unavoidable between two opposing nations; however, as education is part of the fundamental right of each individual, therefore the difference between the color, race, culture, religion, or belief shouldn’t be the reason for a student not to have the right for quality education (www. encyclopedia . com, 2008). Another problem faced by these students is their incapability to speak the English language fluently. The English language is the standard medium that is used by the schools and universities. And because these students came from different countries from all over the world, obviously, it would be quite difficult for them to speak the language that they are not that capable of. This particular problem can somehow be minimized. The fact that they enter a university to gain knowledge and it would also be necessary for them to have more advance readings regarding the language itself. It would also be appropriate to have some background about the country and the people in it to have more familiarization. Moreover, foreign students also encounter problems regarding their finances. The expenses are usually higher compare to local education. Their financial expenses also include their school admissions, meals, accommodations, transportations, school projects, other personal necessities. However, students now a day can acquire part time jobs to help them cope up with their expenses while studying. In fact, this certain activity will also help them manage their own expenses even if they are away from their family. Aside from that, students who are doing great in class are candidates for the scholarships that some universities granted their students. They provide this type of financial aid to extend their hand on students who are less fortunate but have the tendency to be outstanding in class. Again, it only shows that education is really for everybody, and even the status in life, shouldn’t be a hindrance for one to acquire education. As of now, a lot of countries are providing scholarships among international students. They established this kind of program to provide more education from people across the globe. Lastly, foreign students also encounter technical problems especially the application of their student visa. After the September 11 World Trade Center Bombing in the United States, the application for student visa have become more complicated. The government began to implement certain rules and policies so that the incident won’t happen again. Certain restrictions and policies are also implemented in all countries for them to prevent some illegalities concerning visa applications and tourist visitations. Conclusion As an individual seek for a better future, the hindrances are just part of it and it is something to consider about. Being a foreign student is definitely risky but as they believe in reaching their goals, nothing would be impossible for them. As they start their journey to give their selves the education that they truly deserve, most of them are also face with a lot of challenges that they will encounter along their way. However, despite of all the hardships that every foreign student must face, they should stay well determined and focused. In the first place, they are doing these sacrifices fro their families and their selves so that they would become successful; in their life in the future. School and universities should also share their part as the institutions that provide educations. They must stay consistent on giving the best quality of education to these students who have been suffering enough just to admit their selves in such university. Education is primary for everybody. Let us consider this as the driving force against the negativity that is uttered against it.