Counterfeiting and Pricing in China and UK Dissertation - 1

Falsifying and Pricing in China and UK - Dissertation Example Falsifying an item is a sort of tricking the purchasers. â€Å"Counterfeiting is such an issue in China, that it might drive away some outside financial specialists that produce originator mark products, organizations caution. They state that regardless of endeavors by the specialists, they were all the while losing a huge number of dollars in incomes in view of accessibility of fake products† (International Management, Phatak, 2006)† (Designer Concern Over Mainland Fakes Threatens Future Investment 2002). Presently a day, design industry is seen utilizing the fake items for a huge scope. Progressively number of architects is utilizing the style and shade of a similar item which are being structured by different fashioners. Young ladies of youthful age are pulled in towards it, as when various hues rise of a similar plan. Such shoppers accept that the name, brand name, and perceiving qualities of plan, for example, shading, logo, diagram, and models are exceptionally valuable. Customers will have the troublesome quandary whether they utilize a fake item or a unique. Design fakes may proceed as a hazard free test structure, make consideration among buyers, and make them increment useful verbal exchange to different clients. At the point when contrasted in vogue items with physical appearances, the clients will pick either the fake items or the first one relying upon the accommodation for shopping, or salary as both offer a superior appearance regardless of its item and administration quality. Forgers serve clients who seek to possess extravagance products yet who can't or reluctant to pay for the genuine thing† ... A larger piece of fake products purchased in the UK are bought after the bringing of those items into the nation. Most of customers purchases fake items intentionally; while a few shoppers have been misdirect to buy fakes as they assumed were authentic at the retail location. 2.3 Mass Production of Counterfeit Products: Products in tremendous interest can be delivered based on the equivalent or comparable highlights, frequently encased and marked in intends to make them uninterested from the current one. â€Å"The most mainstream fake market is apparel, trailed by shoes, watches, cowhide merchandise, and gems. Louis Vuitton, Gucci, Burberry, Tiffany, Prada, Hermes, Chanel, Dior, Yves St Laurent, and Cartier are much of the time pilfered. Knockoffs of style brands are typically produced in China, South Korea, Taiwan, and South America.† (Ritson 2007). The fake items are then sold through partner showcases, or even acquaint into the item gracefully arrangement. Without the costs of the other comparable items, the fakes are appraised especially as to the contenders. Attributable to the feasible boundary, in various commercial centers in some division of the world, fake merchandise are faraway more across the board than the past items. When contrasted with UK concerning the fake items, half of the hazardous items originate from china. â€Å"Counterfeiting requires progressed and expensive creation gear is viewed as restricting the quantity of gatherings that would take part in encroaching exercises. For instance, the autos or results of comparable multifaceted nature are troublesome focuses for forgers, regardless of whether they can use

The Economic importance of Transportation Essay

The Economic significance of Transportation - Essay Example ailure anytime of the vehicle organize that we have could be heartbreaking as the IRU (2002) discloses to us that, â€Å"Any transport arrange disappointments might be acclimatized to ‘blood clots’ discouraging free development of individuals, products and ventures, and ruining manageable improvement of world economy (IRU, 2002, Pg. 1).† For America specifically, there exists a broad street, rail, air and ocean based vehicle organize that connects all the urban areas and towns inside the landmass from New York to Juno. Anyway the immense vehicle organize in America was not fabricated for the time being but instead it took many years of arranging, situating, guidelines, framework advancement and an enormous financial venture before the system could take a useable structure. Obviously, for most of the populace, the most normally observed and maybe the frequently utilized framework for transport remains the street and expressway arranges that cut over the land. Financial concerns unquestionably come up when the street organize is arranged or in any event, when another street/expressway is to be made by the legislature. These financial rules characterize the objectives of such a component of the vehicle arrange. For instance, the financial objective of the street could be to lighten weight and subsequently spare time for people who are driving starting with one point on the city then onto the next. It could likewise be to give more courses to getting to a state of monetary intrigue, for example, a shopping center. Indeed, even the idea of what will be shipped by the course is a significant thought since streets going in or originating from a modern zone may have various particulars when contrasted with the streets that are being used in private zones (Weiner, 2004). A built up transport system can even guide the financial advancement of a locale since ventures might be increasingly keen on situating to a district that has a broad street organize allowing the simple development of overwhelming trucks or other gear. Access to railways or air terminals might be significant for

Blog Archive B-School Chart of the Week MBA Intellectual Capital Rankings 2014

Blog Archive B-School Chart of the Week MBA Intellectual Capital Rankings 2014 Although quantifying a school’s profile certainly does not tell you everything, it can sometimes be helpful in simplifying the many differences between the various MBA programs. Each week, we bring you a chart to help you decide which of the schools’ strengths speak to you. Some people may be surprised to see the Rady School of Management at the University of California (UC), San Diegoâ€"which stands modestly at number 51 in  Bloomberg Businessweek’s 2014 overall MBA rankingsâ€"besting the likes of such top-tier Ivy League titans as Harvard Business School (HBS) in the area of intellectual capital. Although HBS’s number-eight position according to this measure could perhaps be explained by the program’s emphasis on publishing case studies rather than scholarly articles (the former are not considered in  Bloomberg Businessweek’s tabulation of research), the list is nonetheless interesting in the variety of schools represented. According to  Bloomberg Businessweek, the Rady School boasted the most prolific business faculty in the United States in 2014. Earning top billing for intellectual capital is an honor that “is quite impressive for a business school that was established only a decade ago,” observes UC San Diego Chancellor Pradeep K. Khosla.  The business school’s dean, Robert S. Sullivan, commented that the distinction is “a direct consequence of the Rady School’s successes in recruiting world class faculty.” In fact,  Bloomberg Businessweek’s overall ranking is calculated as an aggregate of three factors, of which intellectual capital carries the least weight: 45% of the overall ranking is determined by recruiters’ feedback on recent MBA hires, another 45% is determined by reviews from graduating MBAs of their respective programs, and just 10% is accounted for by intellectual capital, which marks the volume and quality of faculty publications in leading business journals within the past five years. Unless you are pursuing a PhD, faculty research output is probably not a foremost concern when looking for the best return on your business school investment. Still, Bloomberg Businessweek’s tally of scholarly contributions does provide a more heterogeneous view of the leading MBA programsâ€"revealing that important intellectual activity is being conducted at schools that might be otherwise eclipsed on the usual top-ten lists. Share ThisTweet B-School Charts

Race, Drugs And Policing - 1483 Words

This article talks about race, drugs and policing, and understanding the disparities in drug delivery arrests and argues that race shapes perceptions of whom and what constitutes Seattle’s drug problem, and how the police response to that problem. The findings suggest that the blacks are significantly more in numbers among Seattle’s drug delivery arrestees compared to whites. The primary cause behind this racial disparity is due to the fact that police focus mainly on crack dealers who are predominantly blacks more than any other serious drug dealers. The evidence states that even though a majority of serious drug transactions involved a white drug dealer, 64 percent of those arrested for drug delivery in Seattle from January 1999 to April 2001 were black. It also indicates that police’s excessive focus on crack offenders resulted in the exclusion of those who delivered other sorts of serious drugs like heroin and methamphetamines. Blacks arrested indoors also ou tnumbered whites by a ratio of 2 to 1, although evidence suggests that the whites were more involved in the delivery of methamphetamine, ecstasy, and heroin and had substantial access to private spaces when compared to blacks. There is also evidence saying that racially diverse outdoor drug venues located downtown received far more attention than did predominantly white outdoor drug markets. The paper finally concludes by saying that the whites have long been protected from the threat of detection and sanction, andShow MoreRelatedThe War On Drugs And Drugs Essay1549 Words   |  7 PagesIntroduction Drug has been a serious issue in our society and criminal justice institutes due to many problems associated, including the violence, negative health benefits, social disorganization, and other negative consequences. The police agencies have adopted a policy called â€Å"The War on Drugs†, as a response to the rising drug problems. The War on Drugs has popularized variety policies and practices that significantly increased the overall number of drug arrests, and other drug related offenses(TheRead MoreThe Race Problem Of America Essay1540 Words   |  7 Pagesshares the same rights and liberties before the law. However, only considering political equality undermines the deep-seated race problem of America. America does have a race problem but it is too daunting to solve all at once. Nevertheless, we can still take a small step towards a more racially equal society by focusing on one of the more pressing issues of America’s ‘race problem’ today which lies i n the justice system and is particularly evident in Chicago. Chicago is one of the most raciallyRead MoreRacial Discrimination And The Criminal Justice System1512 Words   |  7 Pagesculture in issues regarding drug use, and incarceration which creates unfair inequality for this race. I will use peer reviewed articles to verify the racial disparity in the criminal justice system. The first article I am going to focus on, Foreword: Addressing the Real World of Racial Injustice in the Criminal Justice System, was written by Donna Coker . Primarily, the article talks about the statistical evidence of in justice regarding racial profiling in policing and imprisonment. Official incarcerationRead MoreMulticulturalism Is The Fundamental Act That All Residents Are Equal1043 Words   |  5 Pagesprotection and under the law without based on race, ethnicity, color, and religion. Multiculturalism state policy act of Canada is helpful for cultural diversity, but sometimes it has an impact on race and policing issue. Due to the different background of culture, the immigrants may face racial policing and profiling. Racialization is the issue where an individual treat differently due to their features such as color. Due to multiculturalism, policing is the issue where police stop and frisk a personRead MoreModern Law Enforcement Of The London Metropolitan Police District12 31 Words   |  5 Pagesforce, the British hoped to target the increasing rate of crime. Factors in this are the urban growth, unchecked immigration, increasing poverty level, radical political groups, and unsupervised juveniles. A perfect example for traditional American policing derives from principles created by the first chief of the Metropolitan Police, Sir Robert Peel. The said principles include proper training of officers, a thorough recruitment process, police headquarters that the public could access and using statisticsRead MoreRacial Inequality And The Law Enforcement System1577 Words   |  7 Pagesofficers were released. The jury was predominately white, suggesting the conception of racial inequality, which triggered riots all over LA. (1) This paper argues that racial discrimination in policing results in unwarranted treatment, incarceration, and death. Racial inequality, specifically within policing, has gained a significant amount of attention and has struck up much controversy in the past few years. The discretionary power to decide who should be searched, arrested, prosecuted, and punishedRead MoreThe Drug Of Drug Abuse1385 Words   |  6 PagesIntroduction Cocaine is an addictive drug that comes from the coca plant. How cocaine is made and ingested are the primary differences between powdered and crack cocaine. It can be ingested in multiple ways, but inhaling and smoking are the most common. Powdered cocaine is a white substance that is snorted and absorbed through the nasal tissue. Crack cocaine is made by dissolving cocaine with an alkaline (like baking soda), then it turns into a sheet that can be crushed out into â€Å"rock† form. InRead MorePolicing Styles, Watchman, And Service Style931 Words   |  4 Pagessociety there are three types of policing styles and it tends to vary based on the community. According to Kuykendall (1974), states that the style used in a community by law enforcement is based on different expectations regarding role performance (Kuykendall, 1974). Each style is used to maintain and enforce law and order in the community. The three policing styles that are used in the community are legalistic, w atchman, and service style. The legalistic style of policing is focused on enforcing theRead More`` Fruitvale Station `` : The Modern Homeland Security Policy Essay955 Words   |  4 PagesFruitvale Station provides insights into the modern homeland security policy because towards the resolution of the film there is racial profiling. Also, in regards to the homeland security policy, race-based criminal profiling had become a denounced law enforcement practice (Newman). â€Å"In 1999, a Gallup poll revealed that more than 80% of Americans disapproved of the practice of racial profiling by law enforcement authorities on any level† (Newman). In Fruitvale Station there is a detachment betweenRead MoreRacial Profiling And The American Civil Liberties Union998 Words   |  4 Pagesprofiling† can hold a variety of meanings. As defined by the American Civil Liberties Union, however, racial profiling is the discriminatory practice by law enforcement officials of targeting indi viduals for suspicion of crime based on the individual s race, ethnicity, religion or national origin (â€Å"Racial Profiling†). Every day, blacks are stopped much more frequently for aimless searches and minor infractions than their white counterparts. Several African Americans share experiences like these, such

Halloween Math Worksheets and Activities for All Ages

Idealism Personal Philosophy Essay examples - 1039 Words

My Personal Philosophy There are many philosophies and beliefs that can be acknowledged and discussed in this world. Some made up and some that are supported by straight on evidence. Some most would disagree with and others most would agree with. One thing I strongly believe is that there is no right or wrong belief or philosophy, as long as you have reason to what you are speaking of. You believe what you want to believe. Everyone thinks differently. The main three topics I will share my beliefs about are reality, society and fate. I believe in idealism, that reality is a creation of minds. Reality is within your mind. It is what you see and how you feel. Thoughts are so powerful and real, they determine your actions which determine†¦show more content†¦I agree with this completely due to personal experiences that have made me view reality nowadays way more differently than I did before. Society is the way it is today because we citizens, as society, have made it this way. Society is drunk off freedom and believes everything should be handed to them with no questions asked. Nobody wants to earn anything anymore. Society is too concerned with who’s running in first place on American Idol rather than who’s running the country. We have made certain things, such as expensive clothes and fit, skinny bodies, be glamorized for so long that it is considered as the better way of living in today’s society. I disagree with materialistic viewpoints. I don’t think having lots of money and clothes and objects make you rich. I believe being rich means that you appreciate everything you have. The â€Å"good life† is a life you are proud to talk about, a life that makes you happy. You create your own Utopia. I absolutely agree with this quote by German philosopher, Friedrich Nietzsche, as he writes, â€Å"You have your way. I have my way. As for the right way, the correct way, and the only way, it does not exist.† This is true because there is no right or wrong way to live, whatever makes you happy, do it. You should never punish someone for living how they want to live. Of course this is to an extent because there are laws made up for the protection of citizens, but so what. AsShow MoreRelatedThe Theory Of The Philosophy Of Education Essay1538 Words   |  7 PagesTeaching Philosophy Emily E. Blackwell Athens State University Abstract Idealism, thought to be the creation of Greek philosopher, Plato, is the approach that teachers use to get students to ask and answer questions in order to reach the next level of education. The teacher will typically use a variety of inquiry based learning tactics. This school of thought is used to develop each students’ individual abilities and moral character. The idealist feels that with the development of moral characterRead MoreTheme Of Reality In First Person By Shi Tiensheng1018 Words   |  5 Pagesexistentialist philosophy reflected in the plot; essentially that perpetual change is the only constant in life. Assuredly paradoxical, but reflective of the human condition in the author’s mind. Through portrayal of the main character’s stream of consciousness, Shi Tiensheng implicitly concludes that the only thing humans have control over in life is the decision to accept reality as it is delivered, or foolishly fantacize how things could be better. The foc al point of his philosophy being that oneRead MoreIntellectual Progress Of Mankind By Martin Luther King Jr.1610 Words   |  7 Pageshis life. Three main subject leads toward Intellectual Progress of mankind, philosophies, ideologies, and theories which this paper examines as related themes that often intersect in educational ideas (Gutek, 2004). Philosophy falls somewhere between the arts and sciences. On the one hand, it offers idiosyncratic worldviews that may be too disparate to compare. It is not surprising, then, that the question â€Å"Is philosophy progressive?† is hardly ever raised. From one viewpoint, it offers quirkyRead MoreQuestions On Personal Morals And Ethics956 Words   |  4 PagesSticking to Personal Morals in Business In today’s business world, the issue of personal morals and ethics has been a much researched and debated topic. This is particularly true in light of the many financial scandals of the past few years. Therefore, one must decide, when faced with a moral decision, if she will remain true to her engrained morals or waver to reap special benefits in the long run. Personally, adhering to established morals and ethics is the basis of my entire being and professionalRead MoreMy Education Philosophy 1511 Words   |  6 PagesPersonal Mission Statement Education is the imparting and acquiring of knowledge and skills through teaching and learning. As an educator, my personal mission statement is to master my subject area in order to serve as a role model for my students thereby producing students who thoroughly understand the subject matter, and who develop holistically. In order to achieve this goal I must have a set education philosophy with a strong Christian worldview. I must also have a general understanding of theRead MoreThe Effect Of Becoming Too Smart1043 Words   |  5 Pagesof entertainment, but now people have invested into a controlled and structured lifestyle. As a matter of fact, the investment into technology and new developments into stem cell, cloning, and cyber genetics, also distance people from the art of Philosophy, because most people are preoccupied on technology over thoughts about why we exist or what causes bad things. During, the Age of Enlightenment, many philosophers, artists, musicians, and scientists began a revolution in their subject manner, andRead MoreMy Philosophy And Philosophy Of Personal Educational Philosophy1042 Words   |  5 Pageseducators do not know what their educational philosophy is. However it is imperative for educators and future educators to know their personal educational philosophies so that they can be accountable, explain how they teach, what they are doing and why. My personal Educational philosophy is made up of four components; metaphysics, epistemology, axiology, and logic. My educational Philosophy Metaphysics (reality) is a combination of realism and idealism, that the mind, spirit, and body are connectedRead MoreStatement Of Purpose For Graduate Study937 Words   |  4 PagesPurpose for Graduate Study Philosophy Doctoral Program at Stanford University I wouldn’t be doing philosophy if I didn’t think it progressed, and that we know now more than we did a century ago. For that reason, I don’t view its history as a story of the clash of defensible but irreconcilable views, from which the most we can expect is a sympathetic understanding of how things looked to the participants. (Scott Soames) For the value of the history of philosophy . . . lies not only in theRead MoreMy Personal Philosophy Of Education976 Words   |  4 PagesMy philosophy of education is for every student to reach his or her full potential. This is by inspiring all students and helping them realize how much they can achieve. I believe every student can become a great person with the right motivation and support by parents, friends and a teacher. Teaching is inspiring students and learning is obtaining knowledge. The definition of teaching, to me, is to inspire students and be a positive role model. My personal definition of learning is obtaining knowledgeRead MoreEssay on Statement of Educational Goals and Philosophy689 Words   |  3 PagesStatement of Educational Goals and Philosophy I can still remember coming home from school after an exciting day in the first grade. I would go straight to my room, line all of my dolls up in the floor, and â€Å"teach† them everything I had learned earlier that day. But of course, not every child who pretends to be a teacher in his or her early years actually becomes a teacher. So although I enjoyed â€Å"teaching,† I never really considered it as a choice for my life-long career.

Phonics Difficulties free essay sample

This report will cover new diagnosing and assessing procedures are being used for phonics difficulties. The studies of recent diagnostic procedures for phonics difficulties are important to me, as a teacher because I can learn new ways of diagnosing my students with difficulties they may have in phonics as soon as those difficulties show themselves. Diagnostic testing for phonics is used to identify skill deficits and that need a plan of assistance. As a teacher, I can the most recent combination of formal and informal assessments, as well as observation, to get performance information that focuses instruction. It is from that point of assessment and observation I can create a plan for my students to succeed. Diagnostic procedures are used to evaluate the students phonemic awareness, which is the students understanding of sounds, phonics skills, sound-symbol correspondence, as well as syllabication and awareness of morphemes also, the brake of larger words into smaller parts. The information discovered by the diagnostic assessment and observation will help the student improve decoding skills needed at their grade level. The teacher must make time for testing periodically to determine each student’s progress and if changes need to be made to the outline plan. The lack of phonics can affect other areas of reading, such as sight words, word recognition, comprehension, oral reading, vocabulary, and the students over all reading rate. Phonics also plays a major role in spelling. The teacher should keep record of the student’s original phonics scores so that as the school year goes bye and periodical testing takes place the teacher, student and parents can see the students improved or lack thereof. A diagnostic interview is another new and upcoming method, which is a mean of getting information about an individual student’s knowledge and mental strategies about the concept under investigation. Students are asked to verbalize what they are thinking about when cards or objects or words are placed in front of them. Phonics is a method of teaching reading in which people learn to associate letters with the speech sounds they represent, rather than learning to recognize the whole word as a unit. If phonemic awareness is strong the students will gain the ability to rhyme, list words that begin and end with the same sound, break words into individual phonemes, and blend phonemes together to make a familiar word. Phonemic awareness is essential to help students learn how to read, and if these skills are not learned and mastered, then intervention is required to help students gain the needed phonics skills. Phonics is an approach to reading involving letter-sound relationships and letter recognition. Readers who have difficulties reading can improve reading skills by having an intervention plan mostly based on phonics. DIBELS here in Alabama is an assessment used to diagnosing phonics difficulties as well as a number of other things. DIBELS stands for The Dynamic Indicators of Basic Early Literacy Skills it is a set of procedures and measures for assessing the achievement of early literacy skills from kindergarten through sixth grade. DIBELS is a short fluency measured used to commonly watch the progress of early literacy and early reading skills in students. DIBELS tested are made of seven measures that are indicators of phonemic awareness, alphabetic principle, accuracy and fluency with connected text, reading comprehension, and vocabulary. DIBELS was made for teachers to identifying students experience difficulty in basic early literacy skills in order to provide early intervention and prevent the amount of later reading problems down the line. A reading deficiency can be for a number of different causes from deficient environment, to mental retardation, dyslexia, a learning disability, and a host of others reasons. Students who score in the 20th percentile or lower are identified as poor readers. At the 20% level should be receiving some form of reading program or plan and maybe be given an IEP (Individualized Education Plan) that will pin point the services that will be given to help the student improve his or her reading skills. As a teacher you can see why I would like to know the most recent diagnostic procedures, so that what each student needs I can give early diagnostic and early intervention. TOWRE (Test of Word Reading Efficiency) is a nationally normed measure of word reading accuracy and fluency test. That can be administered quickly, it provides an well-organized means of monitoring the growth of two kinds of word reading skills that are critical in the development of overall reading ability: the ability to precisely recognize familiar words as whole units or sight words and the ability to sound out words quickly. According to the Assessment for Effective Intervention in a article in 2006 it had this to say about both the DIBELS amp; TOWRE program: â€Å"The Dynamic Indicators of Basic Early Literacy Skills (DIBELS) are a series of fluency-based measures designed to assess early literacy skills. These fluency-based measures function as predictors of future reading performance and target critical component skills required to learn to read. This study was conducted to establish the convergent validity of DIBELS with a standardized measure of phonological decoding ability and sight word reading fluency, the Test of Word Reading Efficiency (TOWRE) (Torgesen, Wagner, amp; Rashotte, 1997). The TOWRE has been shown to have sufficient reliability and validity as a measure of word reading ability (Torgesen et al. 1997). DIBELS and TOWRE subtests were administered to 202 first-grade students. Correlations were examined between scores on the DIBELS subtests of Letter Naming Fluency, Phoneme Segmentation Fluency, Nonsense Word Fluency, and Word Use Fluency with the TOWRE subtests of Phonetic Decoding Efficacy and Sight Words. The DIBELS Nonsense Word Fluency measure was found to have the strongest association with both the TOWRE Phonetic Decoding Efficacy and Sight Word subtests. To ass ess the student’s knowledge of vowels, use a Phonics Assessment. Have the reader read an unfamiliar word that contains that vowel if the reader correctly pronounces the word, you can assume the reader knows the vowel within the word. In the English language recognizing vowels to decode one-syllable words are giving to understand the correct sounds of the vowels and vowel rules it is important to recognize if students can decode vowels due to the uses of vowels in the English language and rules of the English language. In the past, students who were learning phonics were often taught a great many rules that would supposedly help them to decode. Some programs taught students well over 100 different symbol-sound correspondences. However, research studies over many years have shown that some of the rules formerly taught had little utility. Most of the unreliable rules related to the teaching of vowel sounds. For students who have difficulty learning the symbol-sound association f or vowels, the phonogram approach is often more effective. A phonogram, as defined here, is a common word family beginning with a vowel or vowel pair followed by a consonant or consonants, and sometimes ending in e. Examples of phonograms are: ake, at, ed, ime, old, and up. These word endings, and many others, almost always are pronounced the same way in the many different words in which they appear. Because of this consistency in pronunciation, students often find it much easier to learn to decode when they are taught using phonograms. † According to the American Education Research Journal; two studies were done on a Grade 1 eading interventions for ELL (English Language Learners) students with reading problems and this was their findings of those studies: â€Å"Two samples of EL students were randomly assigned to a treatment or untreated comparison group on the basis of their language of instruction for core reading (i. e. , Spanish or English). In all, 91 students completed the English study (43 treatment and 48 comparison), and 80 students completed the Spanish study (35 treatment and 45 comparison). Treatment students received approximately 115 sessions of supplemental reading daily for 50 minutes in groups of 3 to 5. Findings from the English study revealed statistically significant differences in favor of treatment students on English measures of phonological awareness, word attack, word reading, and spelling (effect sizes of 0. 35–0. 42). Findings from the Spanish study revealed significant differences in favor of treatment students on Spanish measures of phonological awareness, letter-sound and letter-word identification, verbal analogies, word reading fluency, and spelling (effect sizes of 0. 33–0. 81). † So as teachers how do we help our ELL students understand and master the English language and rules of the English language? New Recommendations in Phonics A new recommendation is phonics assessment is Systematic Phonics which allows teachers to have a more hands-on, minds-on approach to phonics. In Systematic Phonics activities help students discover how words work, while still meeting the requirements phonics instruction at their grade level. An article by the Review of Educational Research has this to say about systematic phonics: â€Å"Synthetic phonics and larger-unit systematic phonics programs produced a similar advantage in reading. Delivering instruction to small groups and classes was not less effective than tutoring. Systematic phonics instruction helped children learn to read better than all forms of control group instruction, including whole language. In sum, systematic phonics instruction proved effective and should be implemented as part of literacy programs to teach beginning reading as well as to prevent and remediate reading difficulties. † Here are some helpful systematic phonics which activities that can be done with students. â€Å"It is helpful to teach the most ommon vowel sounds (long and short) using the following types of phonograms: words that end with the vowel-consonant-e configuration (as in cake) for long vowel sounds and words that have the CVC (consonant vowel consonant) configuration (as in hit) or the CVCC (consonant vowel consonant consonant) configuration for the short vowel sounds. A brief review of the phonogram approach method is presented here. If you wish to teach the lon g and short vowel sounds for a, choose the following words:   mat, hat, rat, fat. Discuss the sound represented by short a. Then present the previously listed words. If the student cannot pronounce them, help her to do so. Then present the following words:   mate, hate, rate, fate. Discuss the fact that when the e is added, the first vowel takes on its long sound; when the e is removed, the vowel takes on its short sound. Review the long vowel sound as you did the short vowel sound. Then present other words, such as those that follow. Cover up the final e in each word and ask the student to pronounce the word. Then expose the final e and ask her to say the word with the long sound. pale, gale B. Construct flash cards in which the vowel is shown along with both the word and a picture illustrating a word that uses that vowel, for example, short a in hat or long a in rake. On the opposite side, print only the vowel letter, marked long or short, to be used as the student progresses in ability. When using this method with a large group, you can use transparencies on an overhead projector instead of flash cards. C. Have students circle or underline the words that have vowels with the same sound as the first word in the line. See the following examples: lot  Ã‚  Ã‚   lone, dog, of, to at  Ã‚  Ã‚   car, bear, sad, same line   with, win, bike, is D. Record the vowel letters with their sounds and variant sounds and play them to students as many times as necessary to learn them. They should, however, have a chart they can follow to see the letter as they hear the sound. Many commercial programs exist to achieve this objective in fun or clever ways. E. Put the vowel letters on car ds (3 x 3). Use the breve (? ) and the macron (–) to indicate the short and long sounds. Divide these cards into groups of 10 each. Lay out separate groups of letters so the student can see 10 at once. As you call the sounds of the vowel letters, or as they are played from a tape recording, have the student pick up the correct card to match the sound of the letter. F. Use the same system as in item E. Instead of having the students match letters they hear, have them write the letter matching the letter sound (phoneme) they hear in words. G. Use commercial charts that are available for teaching vowels. Audiotapes to accompany the sounds are also available. H. Use commercially prepared games or computer software designed for teaching vowels and the application of vowel sounds in decoding. Websites for Children GameGoo: Learning That Sticks This site has a kid’s page with 15 colorful activity links divided into three levels: beginner, intermediate, and advanced. Activity links use phonic elements, such as alphabetic order, letter recognition, letter-sound correspondence, and spelling. Children who have special needs this site also provides a voice-output for unknown words along with colorful illustrations. Between the Lions This is a colorful, interactive site with games to keep children interact with reading. Between the Lions is an outstanding source for teachers, parents, and students. This website offers material goods of information about precise phonics skills also featuring many activities that enclose words and phonics. Each of the games has visual and auditory assistance for those students with cognitive and learning difficulties. Chateau Meddybemps: Fun with Letters On this site a number of stories and activities can be found that begin and reinforce letter recognition and arrangement. Also on the site is a writers workshop which is an area that provides pages for creating stories. Websites for Teachers Phonics Link The site called In the Classroom it provides a numerous of links to phonics strategies that support literacy learning for students of the early elementary level. Each link contains a lesson plan, along with modifications and additional help for struggling students. The lessons plans follow the state of California Content Standards. Can Teach This site has elementary resources lesson plans, songs, and poems as well as various links arranged by subjects, topics, and themes. This site also has opportunities to discuss and submit ideas regarding the education of children. There are a number of activities that teach phonics in the Beginning Reading and Writing section of the website. Teacher Interview Teacher: Mrs. Johnson Q: What type diagnosing and assessing procedures are being used for phonics difficulties? A: â€Å"I use the Dibbles testing for my student. Even though most of the time I do not like the dibbles method I must assess all student. † Q: Why do you not like the Dibbles? A: â€Å"If I went off of just the Dibbles test some of my brightest students would be placed in the lowest reading group due to the score of Dibbles. And sometimes when testing the students all the students in the class would get a word wrong and I would wonder how did all student get the word wrong when I go back over come to find out the students test book has a different word then the teachers test book so I would mark the word wrong when the students read it but it was the correct word listed in their book. So then I would have to go back over a re-test or recalculate all the students. † Q: How much time does Dibbles take? A: â€Å"For every teacher it is different due to class size and disabilities of students in that class. For my class it takes one-two days, roughly 2-5 min. for each student; Plus my regular lesson and centers. † Q: Is centers an every day event in your class? A: â€Å"Centers are not an every day I just cannot find the time to fit them in every day but if it’s a good week we get to them maybe twice or three times a week. † Q: How do you use your Centers to assessing phonics? A: â€Å"Well in the reading center students must find a classmate and read to them as the classmate keep tracks of how many word are pounced wrong. The reading center also has our class leap frog books and base for the books student are also allowed to use them. Computers center has games and website for students to use for phonics most of my students use Star Fall, and Between the Lions from the PBS site. Writing Center allows students to write words found in and around our class room that week that has the vowels I chose at the beginning of the week or what we are working on. Example: Compounds Words: butterfly, bookcase, restroom, classroom, ect. That’s how centers work to help me assess the students if they can do the entire task then I can assume they understand and if not then it’s still great practice. Q: How does a student IEP help the next teacher the student has? A: â€Å"The IEP helps the next teacher see some of the students pass problems and where the student has started and end with the last teacher also help by letting the new teacher see what they may have to review to see if re-teaching needs to take place. The new teacher can also choose to add her or his own input to the IEP as well as add or change IEP plan s for the student. † As a teacher using the most recent diagnostic procedures, can give my students early diagnostic and early intervention. By suing diagnostic procedures to evaluate my students’ phonemic awareness and periodically testing to determine if changes need to be made to the outline plan I can help my students’ gain unlearned skills in phonics. Diagnostic interview gives me the teacher a firsthand view of what the student is thinking about when unfamiliar phonics cards or objects or words are placed in front of them. With the websites I can use in my computer centers to reinforce phonemic awareness in my class without taking away fun from the learning processes.

Ten Commandments What Should Happen Essay Example For Students

Ten Commandments: What Should Happen Essay Avis homework What happens to me when I break a commandment is very different than what I think should happen to me. When I break a commandment for example disrespecting my parents my punishment in the short term is something simple like being grounded. I think these types of punishments dont do much. They dont help to prevent it from happening again. I do believe however that there are punishments in the future that you cannot foresee. These punishments can be something like your parents not trusting you as much or things like; how what you did affected your character. There is also another type of rule that you can break, murder. If I killed someone I would be sent to jail, maybe for life or executed. These are the things I think should happen when I break a commandment. When I disrespect my parents, I think that the actions that are taken against me should have to do more directly with the rule I broke. Instead of not letting me use something (which was little to do with what I di d usually), they should respect me as a less mature person. What I think should happen if I killed someone is very different from what happens today. Essentially, I am strongly against keeping people locked up for long periods of time. I think three things should happen. o They should undergo intensive therapy and reenter society once they are mentally stable. o They should be shot. o They should be sent to France or banished to another nation that is filled with obnoxious people, whose economic and social problems are not to our concern (can be humorous at times) cause all of the people are dirty frogs. I do not believe in wasting everybodys money by locking people up for a long time. I dont think it is worth keeping people in jail rotting away. When they finally come out they will probable be angry and wanting to do bad things again. We will write a custom essay on Ten Commandments: What Should Happen specifically for you for only $16.38 $13.9/page Order now I feel like a lot of things must change in what happens when people break rules. Believe that only the people who broke the rules should have to pay for what they did.

5 Reasons to Get a DailyWritingTips Pro Subscription Today

5 Reasons to Get a DailyWritingTips Pro Subscription Today 5 Reasons to Get a DailyWritingTips Pro Subscription Today 5 Reasons to Get a DailyWritingTips Pro Subscription Today By Daniel Scocco If you are still on the fence about becoming a DailyWritingTips Pro subscriber, here are five reasons that will certainly convince you to join today. 1. 50% discount ($3.99 per month) The regular price of the subscription is $7.99 per month. For a limited time we are offering the subscription with a 50% discount, so you pay only $3.99 per month. When you join you will also lock your subscription price and wont be affected when it increases in the future. If you think about it, you will be paying $1 per week for a service that will improve your English and writing skills over time. Beats buying some overpriced gum huh? 2. Daily articles + exercises The Pro subscription is the only one that will deliver to you our writing tips and exercises every day. The free subscription (which is no longer offered but still honored for old subscribers) delivers our writing tips only twice per week and does not include our interactive exercises. 3. Easy to join For many years we relied on PayPal to process the subscription payments. Many users complained about that because it forces them to create and maintain a PayPal account. For this reason we decided to migrate to a better solution. We are now using Stripe, which is the industry standard in online payments. Stripe offers you the same level of security (i.e. your financial information will never be available to us and only to Stripe) but it is much more user-friendly. In order to join you just need to provide an email address and a valid credit card, and the process takes literally 15 seconds. 4. Easy to try and cancel We wanted to make it easy to join but also easy to try, and thats why we offer a 15-day free trial. You do need a valid credit card to start your trial, but you will not be charged anything for the first 15 days. Canceling your subscription is equally easy, be it in the trial or after. All you have to do is send us an email and we cancel your account on the same day, no questions asked. It is also our standard policy to grant all refund requests. In other words, if you forget to cancel before your next payment happens we will be glad to refund it (after all we have been there ourselves with other subscriptions). 5. Three Awesome eBooks as a bonus Finally, we have three awesome e-books to give you as a bonus right after you join. You will get access to download the eBooks on the free trial, and they are yours to keep even if you cancel during the trial. The first bonus eBook is titled 100 Writing Mistakes You Should Avoid. It used to sell for $10 and always received great feedback. It will be yours for free. Ready to give it a try? Click here to get all the details and join. Want to improve your English in five minutes a day? Get a subscription and start receiving our writing tips and exercises daily! Keep learning! Browse the General category, check our popular posts, or choose a related post below:What is the Difference Between "These" and "Those"?Empathy "With" or Empathy "For"?Plurals of Proper Names

ACCOUNTING Essay Example | Topics and Well Written Essays - 500 words

ACCOUNTING - Essay Example The organization entered into illegal accounting territory when $5.6 million of products that had been shipped early were returned. As a means of avoiding the revenue setbacks, the organization decided to conceal them by dispersing them between four departments, in effect allowing the organization to largely reflect the earlier robust financial statements. These accounting problems impacted the company’s financial statements as they erroneously reflected robust sales and revenue figures when in reality the payments for these products had not been received. In further concealing the true incoming revenues through dispersing losses among departments, the financial statements did not accurately reflect sales figures for the period, as this practice concealed a 6% loss. Two primary employees at Cutter & Buck were sanctioned for their participation in these accounting practices. The first employee is Stephen Lowber, the former chief financial officer. Lowber was sanctioned through paying a $50,000 fine and agreeing to not serve as an officer or director of a pubic company. In addition Lowber agreed to cooperate with investigators into detecting past accounting fraud at the company. The second employee involved was David ‘Andy’ Hilton, the former regional vice president for sales. Hilton was sanctioned through agreeing to pay a $25,000 fine. It’s clear that their actions pose ethical problems for the company. When one considers that the organization is a public company they are not simply responsible internally, but also must be responsible to stakeholders. Capital market research demonstrates that one of the primary contributing elements to shifting stock prices is revenue figures. Through the organization’s practice of recording revenue early and then concealing losses among departments, they were able to produce inaccurate statements that may have contributed to inflated equity valuations. Other groups of individuals

The Condition of Twenty-First Century Societies Essay - 3

The Condition of Twenty-First Century Societies - Essay Example There is a certain kind of instability that law would display as a social institution in the twenty-first century. Apart from this, there would also be a certain privileging of diplomatic ties between nations. This would lead to a situation of anarchy within the society that one is a part of.  Ã‚   Many have argued that law is not a viable mode of controlling society in the event of societies being controlled by pragmatic forces rather than the law. Diplomatic ties and the maintenance of economic structures can then be looked upon as the reasons as to why the law is adhered to in the society of the twenty-first century. In cases where the law does not facilitate this, it may be flouted with the consent of the very people and institutions which had created them. This flexibility in the operation of the law is a phenomenon that is expected to continue in the twenty-first century. The possibilities of chaos thus remain even in the twenty-first century that shows no signs of effecting a change in this regard. This has implications for the way one views social institutions and their methods of functioning. This also implies a change in the conventional notions of what constitutes a civilization and civilizational ethos. By the time of the end of the cold war itself, â€Å"it was cl ear that law could not constrain the external behavior of nations in any serious way; only the use of force was respected. If realists were correct that states were rational, unitary actors concerned with their own survival, then they would be loath to enter into agreements that in any way constrained their ability to act.† (Raffo et al. 2007, 5). Here, what is important is the primacy of politics in shaping the way the world is.  Ã‚  

Detection of Apoptosing Retinal Cells in Glaucoma Diagnosis

Detection of Apoptosing Retinal Cells in Glaucoma Diagnosis Study Proposal Investigating a possible correlation between DARC (Detection of Apoptosing Retinal Cells) and Psychophysical methods (e.g. Contrast Sensitivity, Colour Vision, LogMAR Visual Acuity in different contrast levels) in Glaucoma diagnosis and assessing treatment efficacy. Background Glaucoma is a neurodegenerative eye disease and one of the major causes offor blindness in developed countries. It is a chronic degenerative disease of the optic nerve, which has been characterised by a progressive loss of retinal ganglion cells (RGCs) and their axons (Sommer, 1989). Glaucoma is a collective term for a complex group of conditions that cause progressive optic neuropathy, which may result in irreversible loss of visual function.[E1] Therefore, assessment of visual function is essential in diagnosis and treatment of Glaucoma. Although several diagnostic tools have been developed to detect and monitor this disease, none is sensitive enough to identify it at a preclinical stage or to distinguish small changes in retinal health in a relatively short periods (Normando et al., 2013) In Glaucoma, irreversible visual changes may occur before neuronal damages are discovered. The detection of glaucomatous structural damage might happen before, during and after glaucomatous visual field defects findings (Kass et al., 2002). Clinical assessment of visual function in parafoveal regions is mostly dependent on the examination of visual fields by using standard perimetry (Rauscher et al., 2013). Perimetry plots often do not represent full extent of visual loss as conventional field assessments only examine a single feature at the location tested, which usually is the differential light threshold. Although, outcome for absolute thresholds of flashed stimuli is useful but frequently these findings are the final component of visual function that are affected in disease. It should be taken into consideration that visual field defects cannot be detected until 20-40% of retinal ganglion cells (RGCs) which are the key cells associated with the development of irreversible blindne ss in glaucoma, have already been lost (Guo and Cordeiro, 2008). In many of the eye disease, sensitivity for detection of fine spatial detail and colour signals can be damaged prior to visual field loss (Barbur and Konstantakopoulou, 2012). In studies such as (Rauscher et al., 2013) colour thresholds revealed the highest sensitivity to early glaucomatous changes and Red/Green losses tended to happen before perimetric loss of binocular visual field sensitivity. It should be noted that simple measures of perimetriy are not sensitive enough to detect selective loss of specific visual attributes and therefore fail to show a strong correlation with Quality Of Life (QOL) measures. Moreover, the ability to differentiate contrast plays an important role in patients everyday vision and quality of life. Contrast sensitivity testing can identify many ocular diseases and provides additional useful clinical information to standard visual acuity assessments (Richman et al., 2013). Additionally, a new noninvasive real-time imaging technology, has recently been developed which is named DARC (Detection of Apoptosing Retinal Cells). Apoptosis is a form of programmed cell death that is involved in both pathological and physiological processes throughout the body. Although, Apoptosis plays a vital role in normal development and ageing but deregulation of this process is responsible for many disease including neurodegenerative disorders. Therefore, in vivo imaging of apoptosis may prove a useful tool for both laboratory research and clinical diagnostics (Galvao et al., 2013) DARC visualizes single RGC, which undergo apoptosis, as the earliest sign of glaucoma. Use of fluorescent annexin A5 is one of the most widely accepted in vitro assay for apoptotic cells (Normando et al., 2013). DARC is a non-radioactive approach that can evaluate the efficiency of the treatments by monitoring RGC apoptosis in the same living eye over time by using fluorescently labeled annexin 5 and confocal laser scanning ophthalmoscopy. DARC uses unique optical properties of the eye for direct microscopic observation of cellular processes in the retina. DARC has been used to assess different neuroprotective therapies in glaucoma-related animal models and demonstrated to be a useful tool in screening neuroprotective strategies. As DARC directly evaluates the RGC death process, it will potentially provide a meaningful clinical end point. DARC can be used in tracking disease, assessing treatment efficacy and may lead to the early identification of patients with glaucoma (Cordeiro et al., 2010; Cordeiro et al., 2011; Guo and Cordeiro, 2008; Normando et al., 2013). DARC uses a novel automated algorithm, which enables accurate quantification of apoptosing RGCs and is highly comparable to manual counting. This appears to minimise operator-bias and at the same time being both fast and reproducible. Quantification of apoptosing retinal cells may prove to be a valuable method, particularly in relation to translation in the clinic now that a Phase I clinical trial of DARC in glaucoma patients is due to start shortly (Bizrah et al., 2014). 3 year plan 1st Year Ethics approval Pre-Screening patients with glaucoma for suitability using LogMAR visual acuity in low contrast level and any available visual field findings 2nd Year Recruiting candidates Study both psychophysical methods (Contrast sensitivity and colour vision) and DARC 3RD Year Data analyzing Writing up Expecting outcome Better evaluation of sensation in patients with glaucoma Better evaluation of Quality Of Life (QOL) Better evaluation of the most suitable method for early diagnostic and follow-up treatments in glaucoma Possible diagnostic and follow-up applications of the selected methods for other neurodegenerative disease such as Alzheimer and Parkinson References Barbur JL, Konstantakopoulou E (2012) Changes in color vision with decreasing light level: separating the effects of normal aging from disease. J Opt Soc Am A Opt Image Sci Vis 29:A27–A35 Bizrah, M., S. C. Dakin, L. Guo, F. Rahman, M. Parnell, E. Normando, S. Nizari, B. Davis, A. Younis, and M. F. Cordeiro, 2014, A semi-automated technique for labeling and counting of apoptosing retinal cells: BMC Bioinformatics, v. 15, p. 169. Cordeiro, M. F., L. Guo, K. M. Coxon, J. Duggan, S. Nizari, E. M. Normando, S. L. Sensi, A. M. Sillito, F. W. Fitzke, T. E. Salt, and S. E. Moss, 2010, Imaging multiple phases of neurodegeneration: a novel approach to assessing cell death in vivo: Cell Death Dis, v. 1, p. e3. Cordeiro, M. F., C. Migdal, P. Bloom, F. W. Fitzke, and S. E. Moss, 2011, Imaging apoptosis in the eye: Eye (Lond), v. 25, p. 545-53. Galvao, J., B. M. Davis, and M. F. Cordeiro, 2013, In vivo imaging of retinal ganglion cell apoptosis: Curr Opin Pharmacol, v. 13, p. 123-7. Guo, L., and M. F. Cordeiro, 2008, Assessment of neuroprotection in the retina with DARC: Prog Brain Res, v. 173, p. 437-50. Kass, M. A., D. K. Heuer, E. J. Higginbotham, C. A. Johnson, J. L. Keltner, J. P. Miller, R. K. Parrish, M. R. Wilson, and M. O. Gordon, 2002, The Ocular Hypertension Treatment Study: a randomized trial determines that topical ocular hypotensive medication delays or prevents the onset of primary open-angle glaucoma: Arch Ophthalmol, v. 120, p. 701-13; discussion 829-30. Lek, J. J., A. J. Vingrys, and A. M. McKendrick, 2014, Rapid contrast adaptation in glaucoma and in aging: Invest Ophthalmol Vis Sci, v. 55, p. 3171-8. Normando, E. M., L. A. Turner, and M. F. Cordeiro, 2013, The potential of annexin-labelling for the diagnosis and follow-up of glaucoma: Cell Tissue Res, v. 353, p. 279-85. Rauscher, F. G., C. M. Chisholm, D. F. Edgar, and J. L. Barbur, 2013, Assessment of novel binocular colour, motion and contrast tests in glaucoma: Cell Tissue Res, v. 353, p. 297-310. Richman, J., G. L. Spaeth, and B. Wirostko, 2013, Contrast sensitivity basics and a critique of currently available tests: J Cataract Refract Surg, v. 39, p. 1100-6. Sommer, A., 1989, Intraocular pressure and glaucoma: Am J Ophthalmol, v. 107, p. 186-8. [E1]it looks too similar to the sentence in the article below. Could you please rephrase? http://openaccess.city.ac.uk/3294/1/Author version Edgar DF paper 1432-0878 15 03 14.pdf

Articles Of Confederation Essay -- essays research papers

From 1781 to 1789 the Articles of Confederation provided the United States with an ineffective government, however there were some strong steps taken in the articles to try and make the United States a better country. The articles created a loose confederation of independent states that gave limited powers to a central government, known as Congress. Some actions taken by Congress, such as the Treaty of Paris, and certain powers that were given to them were sometimes beneficial to the United States. Nevertheless, in attempting to limit the power of the central government, the Second Continental Congress created one without sufficient power to govern effectively, which led to serious national and international problems. The greatest weakness of the federal government under the Articles of Confederation was its inability to regulate trade and levy taxes. In the long run, the Articles of Confederation was a shot in the arm for the United States. The Articles of Confederation arranged a n ational government that would consist of a single house of Congress, where each state would have one vote. Congress had the power to set up a postal department, to estimate the costs of the government and request donations from the states, and to raise armed forces. Congress could also borrow money as well as declare war and enter into treaties and alliances with foreign nations. With this power, Congress was able to make the Articles of Confederation look good by signing the Treaty of Paris in ...

Gufax Mf Bank Profile

GUFAX MF BANK www. gufaxmfbank. com COMPANY PROFILE GUFAX MICROFINANCE BANK LTD OUR VISION To be the leader in Microfinance Banking Services in Nigeria. OUR MISSION To reduce poverty and build smiles on the faces of our esteemed customers by transforming them into economically active population with full access and integration into the formal financial system. INTRODUCTION Gufax Microfinance bank Ltd. s licensed for operation in Akwa Ibom State by the Central Bank of Nigeria for the provision and administration of microfinance services, loans, advisory services, poverty alleviation programme-partners with Government or its agencies as well as other financial services. It was incorporated on 04 April, 2008 with the Corporate Affairs Commission and Licensed by CBN in September 2008. The Bank has an Authorised Share capital of N250million out of which the paid up is N120million and total asset base of over N500million, approximately $3. 2Million as at December 31st, 2011.We also have to tal employee/staff strength of seventy one (71); and our present customer base is approaching twenty thousand individuals and groups comprising mainly the market women, cooperative groups, transport unions and other small and medium business operators within the state and a percentage of government employees. OUR ADDRESS Corporate Head of is at FADUK HOUSE, No. 3 Udotung Ubo Street, Uyo, Akwa Ibom State. Presently, the bank has seven meeting points within Akwa Ibom State as follows: Akpan Andem Entrepreneurial Market Uyo in Uyo Local Government. Nung Udoe Ibesikpo,in Ibesikpo Asutan Local Government.Ikot Ekpene in Ikot Ekpene Local Government. Oku Iboku in Itu Local Government. Ishiet Uruan Beach Market in Uruan Local Government. Ibaka Beach Meeting Point, Mbo Local Government Area. Onna Meeting Point, Ikot Abasi Road, Abat. It is part of the strategic expansion plan of the bank to open a minimum of one meeting point every quarter. THE BOARD OF DIRECTORS The bank has a board members hip of 4 distinguished persons as shown below: Engr Nsikanabasi Ibanga – Chairman Engr. Ibanga Engr. Nsikanabasi Ibanga is the Chairman of the Board of Directors of Gufax Microfinance Bank Ltd. He is an experienced Civil Engineer.Engr. Ibanga served as an Executive Engineer with ENPLAN Group of Consulting Engineers Nigeria Ltd, EBASCO Consulting Engineers and Zeal Nigeria Limited for over 10years. He has been involved in many private and public building designs over the years and is still very active in current practice. He is a member, Nigeria Society of Engineers (MNSE) and also a registered member of the Council for Regulation of Engineering (COREN). He has attended Engineering Management Workshop and other courses within and outside the country. His experience has been brought to bear in his leadership of the Bank.Mr. Uduak Effiong Udo – Managing Director/CEO * MD/CEO Mr. Uduak Udo is the Managing Director/Chief Executive Officer of Gufax Microfinance Bank Ltd. He is a seasoned Banker with over Ten (10) years of experience in Retail, Consumer and Public Sector Banking. Uduak had stints with Citizens International Bank Limited (now Enterprise Bank Ltd) from where he left for Zenith Bank Plc. He grew to a management position in Zenith Bank and subsequently left and co-found a group of financial service companies which Gufax Microfinance bank Ltd is one of them.He holds an MBA Degree in Business Administration from University of Calabar. He is a fellow of Portfolio and Debt Management Institute (PDMI), a member of the Risk Management Association of Nigeria (RIMAN), and a member of Institute of Strategic Management (ISMN) and also a member of chartered institute of Bankers of Nigeria. He is also an Alumnus of World Prestigious Harvard Business School, Boston, Massachusetts, USA, where he has been exposed to world class management Education and Entrepreneurship. A serious minded and successful entrepreneur, Uduak has interest in Finance and Invest ment.He has attended courses within and outside the country. The experience of the MD/CEO is a springboard for successful service delivery to our clients. Engr Bassey A. Iton – Director QUALIFICATIONS: M. Sc Petrochemical Engineering, Moscow Institute of Petrochemical and Gas Industries, Moscow, (1977). Member Nigerian Institute of Chemical Engineers. Member Nigerian Society of Engineers. Associate Member AIChE (1978). General Manager, Process Engineering; NNPC H/Q. Abuja. Working experience covers the underlisted areas and companies:Federal Superphosphate Fertiliser Company Ltd. (FSFC), Kaduna†¦August 1977 – June 1978 Warri Refining and Petrochemical Company Ltd. (WRPC), Ekpan-Warri†¦October 1978 – January 1980 Kaduna Refining and Petrochemical Company Ltd. (KRPC), Kaduna†¦January 1980 – December 1990 National Engineering and Technical Company Ltd. (NETCO), Lagos†¦January 1991 – January 2006 NNPC Investment, Engineering & Techn ical Divisions. Abuja†¦February 2007 – November 2009 Top Manaagement Duties in NNPC Headquarters Abuja. General Manager Upstream Investment in Commercial and Investment Directorate. .General Manager Process Engineering in Technology Directorate. Project Engineering and Management Services: National Engineering and Technical Company. January 1991 to December 2006. Managed underlisted projects: Strategic Management Training for world class managers. (June 2008) Mini –MBA for Oil & Gas in Houston TEXAS October 2009 Engr Iton is amiable & hardworking and is a very discipline Board member of Gufax MFB Mr Mbobo E. Mbobo (ACA) – Director * Mr Mbobo Mr. Mbobo Mbobo is a Director of Gufax Microfinance Bank Ltd. He is a seasoned Accountant. Mbobo has worked as an Accountant with A.C. T Nigeria Ltd, Lagos for 3years before moving on to Federal Mortgage Bank where he worked as a State Accountant for 10years and then another 3years as an Audit Manager with Eddy Ette & C o (Chartered Accountants). He is presently working with the University of Uyo as a part time Lecturer and an Acting Director of Finance with Akwa Ibom State University of Technology. He holds an MBA Degree in Accounting and is working on getting his Ph. D. He is an Associate of Institute of Chartered Accountants of Nigeria (ICAN), an Associate, Chartered Institute of Taxation of Nigeria (ACTI).He has attended courses within and outside the country. He has served as a Resource person at Seminars and Workshops. The experience of this Director is a great boosts to our service to customers. CORRESPONDENCE BANKS First Bank of Nigeria Plc Access Bank Plc EcoBank International Plc Diamond Bank Plc United Bank for Africa Plc Zenith Bank Plc Skye Bank Ltd OUR PRODUCTS AND SERVICES: CURRENT ACCOUNT: Gufax MFB offers current account services. The account is necessary as most other cash management services are provided through the current account.VOLUNTARY SAVINGS ACCOUNTS: We provide a number of savings products. These include 1. Regular savings accounts: This is the regular savings account operated for a customer for his personal reason. 2. Gufax Heritage Account: This account is for Children under the age of 18years. Benefits include scholarships. 3. Gufax Daily Contribution: This is for traders who are desirous of saving a pre-agreed amount daily till month end. 4. Gufax Acquired Account: This account is for persons who have specific targeted items to acquire at a specific time 5. Gufax Festivity Account:This account is for savings for festivity such as Christmas, Easter, Salah, Marriages etc 6. Gufax Real Life Savings Scheme: This is an open ended Asset acquisition scheme for civil servants. Regardless of what you want the Bank buys it for you and your salary is deducted for repayment over a period not exceeding one year after you would have saved 50% of the total cost of the asset. COMPULSORY SAVINGS ACCOUNT 1. GROUP COMPULSORY SAVINGS : All group members benefiting from Gufax Group Loan operates a compulsory savings account expected to assist them to build wealth and instil a saving culture in them. . TRICYCLE SAVINGS ACCOUNT: All beneficiaries of the Gufax Tricycle Transport Scheme are made to do a weekly compulsory savings for themselves as part of the condition for being a beneficiary of the scheme. SPECIALISED CREDIT PRODUCTS Gufax Tricycle Scheme: This product is targeted at the former Motorcycle riders in the city of Uyo whose business has been band by the government and replaced with taxi and tricycles. It requires the beneficiary to save 25% of the product cost and the bank will acquire such for the person with a tenor of 8months. Gufax Reallife Scheme:This is targeted at low and medium income government and private sector employees. It is meant to make life meaningful to this class of people by making them have easy access to any asset that will add value to their lives and pay from their salary for a tenor not exceeding 18months. Gu fax Quick Loan: this product is a temporary overdraft facility granted to traders which must be liquidated at the close of work on the last work day of every month. It is targeted at traders who makes daily repayments and with clear potentials to liquidate on or before end of month. FIXED DEPOSIT ACCOUNT:GUFAX MFB has a unique fixed deposit regime that encourages growth in asset and accumulation of wealth with minimal risk. The rates are competitive and attractive but within the Financial and Fiscal Policy Framework of the Central Bank of Nigeria. From as low as a Hundred Thousand, You can own a fixed deposit account with Gufax. SALARY ACCOUNT: Salary account can be opened for employees of companies/organization at no cost. You only need to send us a letter indicating the names of those that need the account and the rest is for us to do. CO-OPERATIVE AND SMALL GROUP ACCOUNT:This account is opened for formal and informal groups and organizations who are engaged in small and medium bu sinesses targeted at poverty alleviation and wealth creation. CREDIT-RELATED SERVICES: The credit-related services of our bank include: 1. Advances and Overdraft 2. Group & Individual Loans 3. Short term facility against staff salaries. 1. Projects development financing 2. Small scale business finance 3. Asset acquisition Financing 4. Property/Household equipment Lease. 5. Micro-insurance 6. Co-operative and Small Group (Formal & Non-formal) lending 7. Bridge Finance/LPO financingFINANCIAL ADVISORY SERVICES Gufax MFB also offers a wide range of financial advisory services on optimal financial structure involving a mix of equity/debt financing, investment risk management and strategic finance options. CORPORATE SOCIAL RESPONSIBILITIES GUFAX’s Faduk Care Trust This is the philanthropic organ of Gufax MFB and is saddled with the responsibility of making sure that the Bank gives back to the society. Amongst the programme so far handled by the department includes: 1. Scholarships Scheme totalling over a million naira to over 50 beneficiaries from different Educational institutions in Nigeria. . Library Project in Collaboration with ICAN, Uyo District and Society. 3. Sponsorships of programmes, seminars and workshops. 4. Gufax Help. Com Tansport scheme for the frustrated Okada Riders affected by Government band of their operation within Uyo Capital City. PREVIOUS STRATEGIC PARTNERSHIPS We have handled many micro credit programs amongst which are i. FADAMA III Programme in Akwa Ibom State still ongoing. ii. Shell Development micro credit for Uruan (LGA) Community iii. Akwa Ibom State Action Committee on Aids (SACA) in their ongoing micro credit programme. iv.Participating MFB for FGN/CBN/IFAD Rural Finance Institution Building Programme (RUFIN) for Akwa Ibom State. STRATERGIC BUSINESS PLAN FOR THE MANAGEMENT OF MICRO-CREDIT FOR THE RURAL ACTIVE POOR IN ONNA LGA. Our strategy of poverty alleviation partnership is a collaborative approach where the Local governm ent provides a counterpart fund and a guarantee for microcredit to be extended by the bank to the rural active poor within the Local Government Area; Pre-disbursement training, disbursement, monitoring, performance evaluation, recovery, refinancing planning, rendition of report, compulsory savings mobilisation are part of this partnership. Pre-disbursement Training: Each of the beneficiaries of our micro credit will be trained on the basic cash management technique to ensure that there is no diversion of these credits for other purposes. Small and medium enterprises will be duly examined to ensure the commitment of the promoters. We will organize trainings and workshops for the beneficiaries of the loans in line with their trades to help them keep simple books of accounts as well as exercise financial disciplines. These and other awareness seminars/workshops keep our beneficiaries on top performance. †¢ Selection/Disbursement:We engage the beneficiaries of loans/credits through a thorough and diligent selection /screening process. We disburse funds to groups (formal and informal) and organizations with proper co-ordinations and organization; skilled small and medium entrepreneurs as well as individuals with quality business plans for small and medium enterprises. †¢ Monitoring : We will monitor them through our well trained credit/field officers divided into teams and assigned to specific groups/communities and special products of the bank such as group fund management (Government and donor redit scheme funds). †¢ Recovery: Each group or individual is qualified for the loan with at least two guarantors which one of the following must sign: Village head of the beneficiaries/group; clan Head, Paramount ruler, councillors, House of Assembly member or any prominent member of the community with a net-worth over and above the loan amount. †¢ Repayment Plan: At the commencement of the programme, we shall draw up a repayment plan to enable them kno w the duration of the loan and the repayment period. Rendition of Report: We shall keep a chart (ledger) to monitor daily, weekly and monthly performances and shall constantly present monthly report on the performance of the scheme to the Board and Management for Assessment and Policy formulation. †¢ Our Charges: Our charges will be on commission basis which is negotiable or a subsidized interest rate. ORGANOGRAM: GUFAX MICROFINANCE BANK ORGANISATIONAL CHART [pic] MANAGEMENT STAFF PROFILE: Gufax Microfinance Bank stands out from among its peers because of our uniqueness and personalized services to customers.We parade a team of highly motivated and well trained staff, who will not rest until a customer is satisfied. MD/CEO – please see as in Director’s profiles Mgr-Business Development & Strategy(BDS) * Mr Ubong Udoh is an MBA student of ESUT, Holds B. Sc in Mathematics and Statistics from the University of Calabar, Cross River State, Nigeria. He is also a member of the Statistical Association of Nigeria, Member of the Chattered Institute of Bankers of Nigeria, He has working experience with reputable companies, such as Zenith Bank, Intercontinental Bank and the Central bank of Nigeria spanning over 10 years.He is a a Certified Microfinance Banker(MCIB) of CIBN. He is involve in many Humanitarian services including, Action Aid Int’l, Society Against Malaria, SACA, ACOMIN and the UNHCR. He is hardworking and goal oriented. He is friendly but disciplined. * CHIEF FINANCE OFFICER & HEAD OF AUDIT: As Head of Internal Control/Audit Department of Gufax (MF) Bank, Ubon Akpan has over 20 years experience in Banking, Accounting, Finance, Auditing and General Management traversing both Public and Private Sector Establishments.He started his career at Mercantile Bank Plc, where he rose to the post of a Supervisor. He later joined A. T. Asikpo & Co (Chartered Accountants) as Audit Supervisor, from where he moved to Frank & General Associates (A f irm of Financial & Management Consultants) as Finance & Admin Manager. Thereafter, he got an appointment at ACCESS Group of Schools as Head of Accounts/ Bursar for 2 years and later as Head of Audit for 3 years, before taking up another appointment as the General Manager of Grafen Enterprises Ltd – a Human Resources Management Company in the Oil Services sub sector.He also worked with Ekondo (MF) Bank, Calabar, as a Manager before he joined Gufax (MF) Bank. A Cost and Management Accountant (ACMA), he holds a Higher National Diploma (HND) in Accounting, a Post Graduate Diploma in Management (PGDM) and Masters in Business Administration (MBA) from the University of Calabar. * MANAGER,BANKING OPERATIONS: ADEYANJU LANSEBE is a graduate * MANAGER,BUSINESS DEVELOPMENT: This department is managed by Ugomma Udonsi who is a highy skilled banker with over 10 years of experience in the banking sector.She started her banking career with Mutual Alliance Savings & Loans Ltd where she worke d as Head, Branch Operations/Treasury. She holds HND in Estate Management from Federal Polytechnic Nekede, Owerri. CONCLUSION: At Gufax, we pride ourselves in focusing on the individual customer because we appreciate the fact that each customer is unique. GUFAX MFB is an engine room and hope for economic growth and development of the devastated lower class of our society.As our vision and mission clearly states, we are committed to the evolution of a society where every active poor can smile, please come along. UDUAK UDO MD/CEO www. gufaxmfbank. com ———————– MD/CEO Board of Directors COO/SA to the MD M Head, Banking Operations Head, Admin/ Human Resource Head, Audit /Compliance Head, IT Unit Legal Department Head, Business Development Credit & Marketing Executive / Debt Recovery HR/Admin Cashiers/Customer Service Officers/Funds Transfer Internal Audit Officers Internal Ctrl Officers IT Officers and Trainees Transports / Securit y

The Salem Witch Trials An Outbreak Of Hysteria - 1794 Words

In 1692, Salem village in Massachusetts saw an outbreak of hysteria, most commonly known today as the Salem witch trials. Over a period of several months, more than 200 people found themselves facing suspicions from those around them of witchcraft, with 19 executed, 14 arrested and many others who pleaded guilty pardoned but made social outcasts. Typically, the majority of those living in Salem were Puritans, who regarded all other activity excluding common Puritan practice as sinful distractions, and thus a person who exemplified any sign of witchcraft would face deadly consequences. During the time, witchcraft was commonly known to be enacted by those enslaved by the devil and created a vast fear of the unknown. In terms of†¦show more content†¦This demonstrates how intense the beliefs of the colonists ran, with the slightest inkling that someone was working with the devil causing the colonists to turn on them. Furthermore, from the Salem witch trials, one can learn about the strict religious routines the people of Salem were expected to follow. One of the very first accused, Sarah Osbourne, was known for often skipping church, and thus she was widely unfavoured by the members of the community and considered an outcast. This meant that when people were on high alert about suspects of witchcraft, it was easy for many to get behind the idea of Sarah being a witch as she did not obey the regulations of their beliefs and therefore made it easier for them to convict her as guilty of witchcraft. Overall, the Salem witchcraft trials portray the colonists as highly sceptical of those that did not conform to their religion and beliefs. What shortly follows on from religion is a sense of superstition, and of paranoia. The trials provide vast insight into the colonist thoughts on the supernatural and their ability to conjure up their own theories as to what was causing, at the time, the unexplainable hysteria that broke out among the teenagers. Shortly before the trials, Cotton Mather had published a book called â€Å"memorable Provinces† where he explained strange behaviours of children in Boston that had been subject to witchcraftShow MoreRelatedHistorical Journalism At The Salem Witch Trials863 Words   |  4 PagesHistorical Journalism at the Salem Witch Trials The Salem Witch Trials are one of the best known outbreaks of hysteria and fear in American history. This event began when Betty Parris, who was a daughter of Salem’s church’s minister, and Abigail Williams, who was her cousin, experiences several occasions of odd, violent behavior that they blamed on witchcraft. They accused two white women, Sarah Good and Sarah Osborne, as well as a slave, Tituba, of practicing witchcraft in the village. The threeRead MoreThe Causes Of The Salem Witch Trials1748 Words   |  7 PagesThe Salem witch trials were a series of different court trials. They occurred after a group of young girls were claimed to be possessed by the devil. These individuals experienced hallucinations. Some of the suspects explained the attacks as if bugs were crawling under their skin. When the outbreak began to spread, the government proceeded to accuse multiple people in the colony of witchcraft. This is how the Salem witch trials came to be. The trials too k place in colonial Massachusetts. AccordingRead MoreThe Devil Visited Salem Witch Trials1597 Words   |  7 Pagesvisited Salem in 1692, or did he? Nicholas Hytner’s The Crucible depicts the 1692 witchcraft epidemic in Salem, Massachusetts. The film was adapted from a play written by Arthur Miller in 1953. The film’s producers, Robert A. Miller and David V. Picker, released the film along with Twentieth Century Fox Film Corporation in 1996. 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