The White And Black Women Essay - 1620 Words

Women of almost every race, age, culture, and social class have been oppressed since the beginning of time in one way or another and still are today. Both white and black women in the south were oppressed, but in drastically different ways. Free white women and enslaved black women were treated incredibly different, that much is quite obvious. This shows that the racism against black people of this time period is far more prevalent and distinctly more brutal that the sexism against women. Slavery negatively affected black women the most and while the economic benefit was significant to the male slave owners, their wives not only reaped the benefits of the wealth increase, but had less work in the home, were no longer the lowest level of social hierarchy, viewed themselves superior to northern women, and were envied by southern women not owning slaves. The elite white women of the south benefited and thrived from the slavery of women who were beaten, raped, and tortured. More male slaves were shipped over to America than female, because the demand for slaves was driven by labor intensive work needing to be done. Women were initially used to keep the men company and as domestic and field labors. After it was realized that the women could outlive the men and that in Africa these women were used to intense labor, more women were put to work in the fields as well. Generally speaking, male slaves cost more than female slaves, even though obviously more factors than just genderShow MoreRelatedThe Black And White Women999 Words   |  4 Pagessociety. Black and white women from all parts of the world write about feminism in their cultures. Mostly, you see black women writing about the topic of how wrong feminism is and how black women are treated. Black or intersectional feminists seek equality, to change the views of black women, and to stop the sexual desire of black women. Denise Noble, a professor of cultural sociology at for the Department of African American and African Studies, talks about how black music is different than white musicRead MoreWomen And Women, Black And White918 Words   |  4 Pagesboth men and women, black and white, is a fathomable feat. To be the first African American to speak out against not only slavery but also the disfranchisement of women, is revolutionary. To be the one with whom greats such as Sojourner Truth and Ida B. Wells look up to is downright awe-inspiring. To be all of these things is to be Maria W. Stewart. An African American journalist, lecturer, abolitionist, author, and women’s rights activist who established the backbone to modern black feminist thoughtRead Moreblack man and white women801 Words   |  4 Pagesï » ¿ Black man and white women in dark green row boat The story Black Man and White Women in Dark Green Rowboat†, written by Russell Banks, is about an interracial relationship on the brink of disaster. The story opens up on an extremely hot day in August at a trailer park that is right next to a lake with a variety of people who live there. I was not immediately aware that the black man and the white woman were the focus of the story, but those characters gradually emerged andRead MoreBlack And White Men And Women1190 Words   |  5 Pageslabor-intensive industry, and they were in need of laborers (USHistory, 2017).In 1619, the first Africans arrived in colony of Virginia, where institution slavery did not yet exist (Holt Brown, 2000). The Africans and poor white people were of even value (PBS, n.d.). Black and white men and woman worked together and were punished equally. All of them were indentured servants who worked for a contracted period of time. This system was used to entice laborers to enter into contract because there wasRead MoreStereotypes: Black Women vs. White Women in the Media983 Words   |  4 Pagesshaping the attitudes of Whites toward Blacks. White Americans, they show, learn about African Americans not through personal relationships, but through the images shown by the media. . In short, they conclude that although there are more images of African-Americans on television now than ever, these images are often harmful to the prospect of unity between the races. With the advancement of technology such as advertisement, there has always been a stereotypical view of how women are portrayed in theRead MoreBlack Women : A White Male Patriarchal World1181 Words   |  5 PagesBlack women are showing why they belong in entertainment. Whether it’s acting, writing, or producing they are well needed. Shonda Lynn Rhimes is an American television producer, screenwriter, and author. She is known for shows such as Grey s Anatomy, its spin-off Private Practice, and the political thriller series Scandal, all of which have aired on ABC. I will be using Scandal to analyze the ideology of a black dominant women in a white male patriarchal world. The show is centered on protagonistRead MoreEssay on Black And White Women Of The Old South1575 Words   |  7 Pagesbook, Black and White Women of the Old South, argues that history has problems with objectiveness. Her book brings to life interesting interpretations on the view of the women of the old south and chattel slavery in historical American fiction and autobiography. Gwin’s main arguments discussed how the white women of the south in no way wanted to display any kind of compassion for a fellow woman of African descent. Gwin described the amp;quot;sisterhoodamp;quot; between black and white women as aRead MoreThe Black And The White, The Rich And Poor, And Men And Women1203 Words   |  5 PagesThe black and the white, the rich and the poor, and men and women were terms that are commonly used to illustrate di sparity of people. Race, class, and gender were used for special purposes in the United States from the American Revolution through the Civil War. They were not only used to limit the rights of some groups of people, but also to extend the benefits of others. African Americans, Native Americans, and the Chinese were some of the groups of people that best portray the inequality duringRead More White and Black Women of Heart of Darkness Essay897 Words   |  4 PagesThe Civilized, White Women  and the Black She-beasts of Heart of Darkness      Ã‚   Joseph Conrad in Heart of Darkness hints at some prodigious evil lurking in the soul of mankind; but this corruption -- in its simplest form, the brutality and mammon-worship of Belgian imperialism -- is hidden from the innocent. The initiated, moreover, either embrace the wickedness (as do men like the pilgrims and, most significantly, Kurtz) or resist it and become the enlightened -- truly, Buddha[s] preachingRead MoreThe Institution Of Slavery Structured The Lives Of Black And White Women1461 Words   |  6 Pagesslavery structured the lives of black and white women in the South: The South was politically, culturally, economically, and spiritually built around the institution of slavery. In the antebellum South, slavery was the thread that held the fabric of society together and defined the southern woman. Slavery was the foundation the southern hierarchy was based upon. Race and gender determined a person’s status with white slaveholding males at the top and black female slaves at the bottom. Slave

Discuss future for the securitization of commercial property - Free Essay Example

Sample details Pages: 11 Words: 3151 Downloads: 6 Date added: 2017/06/26 Category Finance Essay Type Argumentative essay Did you like this example? Commercial property is one of the major sources of business in this competitive world. If we own or rent office space, property costs will be the largest business overhead expenses along with the unknown price movements of these properties due to some micro and macro economic factors such as inflation, GDP, interest rates etc. For these reasons securitization of these assets are given more importance. Commercial mortgage backed securities (CMBS) The CMBS are debt securities that use commercial assets as collaterals and the income obtained by these property assets will be used for paying back the interest and the loans. Property assets are converted into the CMBS by the special purpose vehicle (SPV) and the sale proceeds from these securities will handed over to the original owners. Don’t waste time! Our writers will create an original "Discuss future for the securitization of commercial property" essay for you Create order The CMBS collateral are commonly secured by commercial real estate such as apartment buildings, shopping malls, car parking, warehouse facilities etc. These loans neither recourse to the borrower nor do they form guarantee. Since the borrower looks for repayment, analysis of the cash flows will be very critical. There are thousands of small loans in residential mortgage loans which have a huge competition for the commercial mortgage securities. Main features of the commercial mortgage backed securities. Excellent call protection Reduced credit risk Average life stability Good and supportive collateral Differential time periods for maturity Falling property prices and the rising interest rates may have a negative impact. Property location / local economics for CMBS A geographical dispersion of properties is desired for securitization due to the unexpected price fluctuations in the field of real estate and also builds a very successful portfolio by reducing the risk. It is also recognised by the credit rating agencies by doing so. A 40 % concentration in a single state is considered as significant investments. Multifamily loans: Multifamily loans constitutes 34.5% of the total outstanding commercial real estate loans and are considered to be most desirable because of its short term leases, strong historic credit experience, limited leasing risk, transparent financial reporting. Securities based on Retail property: Retail property ranges from regional malls to community stripe centres. Analysis of relationship between lease rent and the market rent will be very crucial and important task for every investor. An anchored retail property like shopping malls and supermarket are less risky than unanchored retail properties like car parking, corner and open spaces in the malls. Office properties: office properties also form the main sources of the CMBS. Office properties with central business districts will vary from the suburban office properties. Office properties will provide steady cash flows and generally have longer term leases than other property types. Health care and related properties: are also largely operating business and have a different price controls. Properties such as cold storage and car washes are highly credit worthy. Hospitality: it requires a separate underwriting discipline. Occupancy rates will be highly volatile and depends upon consumer travel budget. Composition of earlier CMBS Multifamily 21.9% Hotel 11.2% Ware house /industries 6.5% Nursing 3.3% Mobile home Park -1.3% Retail 27.3% Other 4.4% Benefits of CMBS Lower pricing Improved liquidities Diversification on lenders Non-recourse to parent company Release value while retain future growth potential Off-balance sheet financing Asset backed securities Asset-backed securities are based on pools of underlying assets. These assets are normally illiquid in nature. The pooling of assets will make the Securitization large enough to be economical and to diversify the qualities of the underlying assets. A special purpose trust or instrument is set up which takes title to the assets and the cash flows are passed through to the investors in the form of an asset-backed security. The types of assets that can be securitized range from residential mortgages to trade receivables and even music royalties. The asset-backed security usually qualifies for a top rating and enables the issuing company or bank to raise funds at a very attractive rate, while freeing up capital and retaining customer relationships and servicing revenues. It is very important that securitization of this commercial property is an essence for every investor and they should also familiarize with some common real estate terms: Lease:An areement through which the owner of the property ( the lessor)grants the the right of control to a occpant ( the lessee) over a particlar period ( the term) for a fixed amount of money( the rent). Lien:ÂÂ  A legal claim that which filed against a certain property for payment of obligation. During this ongoing process if a property owner fails to pay a creditor, a lien can halt the sale of a property. Sale-leaseback:ÂÂ  a process of transaction in which an owner sells a propert to an investor , who inturn leases the same property to the same owner undedr prearranged terms. These deals the original owner freed- up capital and tax breaks and here the investor a guranteed appreciation and return. Sublease:ÂÂ  lease which is given by a tenant for some or all of a rented property. For example, if a tenenat rents 50,000 square feet but here he uses only 30,000 squre feet of space , so he thinks to sublet the remaining 20,000 square feet for some or all of the remaining period of the lease, only if they continue to occupy and pay rent for the property. Asset valuation: Asset valuation plays a vital role in determining the value of the underlying securities and enhances the buyer to buy that particlar secrities or not. Sub-prime crisis origin The real estate property is regarded as one of the most valuable asset for individuals. Currently its value became the biggest puzzle over the world economy and financial system. Over the period of time Wall Street built trillions of dollars market for Mortgage Backed Securities (MBS) and sold them worldwide on two commonly-accepted beliefs that the value of the USA real estate would never fall in USA, and people would always able to make their mortgage payments without any defaults. Sub-prime crisis originated in US .US Banks finance companies started lend money to the subprime borrowers who are first time borrowers with low income and poor credit history. With this loan borrowers bought properties. Banks financials bundled this debt converted this debt into Mortgage Backed Securities (MBS) they sell this to investors around the world as they thought that house price will rise continuously. As house prices went-up MBS price shoot-up as well. Later interest rate rise, cheap loans disappeared defaults on the mortgage payment rise heavily resulted in the collapse of the housing bubble in turn resulted in heavy decline in the MBS prices stock market crash around the globe. This made Banks lenders to write-off billions of dollars huge employee lay-offs, loss of millions jobs worldwide. After this cost of borrowing went-up lending became scarce, this affected credit flow around the globe . Financial crisis and Securitization Securitization is the process of collecting different types of debt and loan obligations and packaging them as various types of securities which are sold to investors. The interest and principal on the underlying security will be paid to investors on a regular basis. Securities backed-up by mortgages are called as mortgage-backed securities and securities backed by other types of debt are known as asset backed securities. Below chart explains the process of securitisation. In this context securitization refers to the issue of a financial security backed-up by the assets where the investor has no recourse to the seller of the asset. The typical securitization process has two-step which includes an originator/seller establishing a special purpose entity (SPE). Then the originator/seller sells the assets that will be considered as collateral for the asset-backed securities (ABS) so as to attain true-sale and to consider it as an off-balance sheet item. These assets are normally handed over to a second entity to a qualified SPE (QSPE) or trust that then issues the securities. Two step process is followed to legally separate the collateral from the originator and his general assets. The separation ensures that the assets serves as collateral and cannot be consolidated with the general assets of the originator in the bankruptcy event. Due to bankruptcy remoteness of the assets allows the securitization process to achieve a higher credit rating than that of the originator. The issuer is able to achieve higher credit rating by incorporating varying levels and forms of credit enhancement. Source: Federal Deposit Insurance Corporation (FDIC) Benefits of securitisation Securitization removes the assets from the balance sheet, freeing equity capital. Due to capital relief, more funds available for new credit. Efficient management of capital and asset-liability structure Optimizing YTM for both assets and liabilities. Efficient credit risk and interest rate risk management by creating off-balance sheet items and mitigating sector concentration. Access to new source of funding and a vehicle enhance income and return on assets Below are the subdivisions of the different asset classes and chart showing various types debt. There are 3 main types Asset backed securities. Mortgage-Backed Securities (MBS) Collateralised Debt Obligations (CDO) Asset-Backed Securities (ABS) These main types are again dived into Commercial MBS (CMBS), Residential MBS (RMBS), Collateralised Loan Obligations (CLO), and Collateralised Bond Obligations (CBO). Source: Federal Deposit Insurance Corporation (FDIC) The Wall Street Journal estimated that the impact and size of the subprime crisis is devastating on world economy. This cost more than $4 trillion to the global economy and includes the loss of value of the housing stock that is a result of the credit crunch and this crisis fuelled by securitization. Subprime crisis is the first of its type which is magnified by securitization. Investors bought bundles of mortgages which were so complex in nature. Investors relied upon ratings agencies. Nobody seems to know what these mortgage bundles are worth, how much has been borrowed using the bundles as collateral, who owns them, how deeply their value has declined and what extent the banks capital affected with the resulting write-downs. Some analysts blame it on the securitization of real estate loans rather than the poor credit quality of these loans. The problem is that the credit rating agencies didnt rateÂÂ  these assets then the things started going bad and were very slow to react. Due to deregulation of the financial sector, the banks found new ways of converting debt into tradable instruments and sold those securities to institutions worldwide. To fund these, the banks lent more debt by expecting that the return on the instruments will be normally above their cost of borrowing, so the banks have planned to sell these securities as per the originate and distribute model. The system was difficult to understand for many as what was going on or how these assumptions were justified. As much of the action were recorded only on the banks off balance sheet in a shadow banking system. The very low interest rates in US during 2001-06 were highly profitable to the banks, allowing them to lend more money, expand its volume and improve business. They sponsored hedge funds, private equity buyouts and issued mortgage financial instruments, fresh bonds, and offered lines of credit to their own structured investment vehicles (SIVs). These bets were usually leveraged by extra topping-up of the debt, with some institutions like hedge funds and investment banks borrowed to buy assets worth 30 times of their capital. This is how the 2007-08 crisis became heavily on leveraged concerns often and indebted to one another. The central banks around the world gathered huge amount to rescue the banks from their own folly and the banks were bailed out with huge bail-out packages. The use of tax payers money or public resources to achieve this should carry a price and a lesson and need not to encourage a repetition of moral hazard and such behavior. Future of securitisation Whether securitization played a role in the subprime crisis and credit crunch? In case of MBS where a portion of the coupon is risk-based and represents a premium, which reflects the default risk carried-out by the each borrower. The premium is calculated in such way that a full business cycle has been encapsulated when there exists for the investor a potential credit arbitrage as the risk premium is over-valuated and other times there is no arbitrage opportunity the risk premium is then under-valuated. In first case securities will be attractive due arbitrage opportunity where as in second type they will not. During the latter the products appeal depends on the effectiveness of its credit enhancement and robustness of the cash flows from the junior certificates to the senior ones. If this structure is deficient, the product would lose its appeal and its market would dry up in no time as occurred in this credit crisis. As such, securitization is therefore not to blame in the subprime crisis. Its the in-efficient structuring of the different securities that caused the problem. Now the task is that it should be structured correctly. MBS future is depending upon the product getting immunized against the hazards of the real estates cycle. Credit scoring and rating reflects differences between borrowers and to that extent it ranks them satisfactorily but it dont have ability of expressing the impact on their credit behaviour of a full business cycle. This turns out to be a major defect of any credit rating or scoring. The scoring system turns out to be unable of assessing objectively the risk as the score conflates within single number a consumers credit ability, the good health of the real estate sector as well as that of the global economy. Mortgage-Backed Securities viability would then be determined by the capacity of insurers in that specialized field to absorb the shocks resulting from alternating phases of the business cycle. Securitization models in the future should be priced heavily based upon existing equity rather than existing credit scores. The 3 Cs of credit are: Collateral, Capacity and Character are all important in structuring of the security . Policy changes required for the success of the securitization 1. New model of bank with modern principles of finance is not sustainable Unwillingness of the mortgage banks to analyse the risk profiles of the borrowers and lend on the basis of risk in a regime of low interest rate made financial system very fragile. Many lenders had to relax their credit standards due to competition. And most of the mortgage lenders in the US sell their loans within a month or two, their primary aim was to generate as many loans as they could and then sell them quickly. This was major reason they lacked strong incentives for credit checks. There should be strong policy to curb this kind of activities. 2. Disciplining the rating agencies: Investment bank pays the rating agencies to rate Collateralised Debt Obligations (CDO) securities. Investment banks and rating agencies work closely in structuring the transactions. Rating agency staff crosses over to dark side to work for investment banks. One option is for the government itself to regulate rating agencies. 3. There should be more transparency about the structured products. One reason behind market failure relates to information asymmetry. It is argued that sellers have more information then buyers about what they are selling. In the sub prime episode, Investors increasingly did not know what they were buying and what the security is worth. The following steps are necessary to ensure more transparency about the structured products. Consistent valuation of assets across firms to be ensured by the regulator Dissemination of information on the asset-backed commercial paper, price and performance of privately traded asset-backed instruments. Greater standardization of structured products 4. Capital Cover: Its been argued that subprime default rates would not have spiked if loan originators had been forced to set aside capital to cover say 10% of each securitized pool. The important area which requires reform is accounting, dominated by few large companies and accounting standards, where the mark-to-market approach has been pro-cyclical encouraging the boom-bust cycle. Public audit agency and a diversified accounting standards will be able solve the problems of an industry where auditors are too often in cahoots with the auditee. Likewise allowing only expert publicly owned bodies to work as hedge funds and converting private equity into public equity. The solution to the huge problems explained above is not to abandon finance but to embed them in a properly regulated system and to progressively transform companies and banks in terms of ownership and functioning. The shadow banking system should be controlled effectively and new policies to be followed by all those who offer derivatives. Strict margin requirements to be enforced on all existing and future contracts and a global network of publicly owned Derivatives Boards should be established with a monopoly on derivatives trading. Conclusion The future of the securitisation is very hard to determine in this changing environment. However the study made have suggested some of the ways in which the future for these securities can be safeguarded against the falling prices and increasing rates. Following are the suggestions for protecting the future of these toxic debts. Diversify the investments Build an portfolio of investments Get good rating for securities from rating agencies. However time differentials, lack of prepayment risks and the economics of commercial property security markets will support the growth of the toxic debt in the future. Securitization was a revolution that brought huge gains. The transformation of sticky and immovable debt into something more tradable. As it comes under surveillance, the debate should be about how this system can be improved, not discarded. The challenge before the Fed and worldwide central bankers is to regulate and control securitization without hurting the beneficial outcomes of increased flexibility. The government will need to step in and look at the success of the securitization by bringing in more transparency in the process of securitisation with the below policies and regulations. Credit Rating Organization (CRO) Reform: This should incorporate two main elements. (i) Withdrawing government blessings from their work (ii) improving CRO accountability for ratings decisions Lender Reform: Loan officers compensation must be directly associated to long-term performance rather than to short-term profits. Originators must bond more effectively the quality of the loans they review. Governments can ensure market discipline by assisting in the disclosure of information about contract evolution by encouraging development of better information systems. Improve Government Accountability: For better crisis-management decisions should taken in open debate outside of an actual crisis. Accountability can be improved by regulators by analysing and regularly testing a benchmark plan for crisis resolution. The events of the current crisis confirm that not planning for crises prolongs and deepens the disruption by tempting regulators to subsidize loss-making institutions at taxpayer expense. Regulators need to track market signals to help them to mitigate risk. It is necessary to strengthen the safety net by making authorities more accountable for its costs. This requires the development of a system of fair-value accounting for intangible safety-net subsidies.

Comparison of The Crucible And Dont Ask, Dont Tell

In the most publicized gay bashing, the dead body of Adam R. Schindler Jr., an American naval radioman, was found battered and disfigured in a public toilet in a park in Japan where he had been serving [Sterngold]. After revealing his homosexuality to his peers in the army, he had been left unrecognizably mutilated and beaten to death. In response, in 1993, the Clinton administration initiated â€Å"Don’t Ask, Don’t Tell† [DADT] which meant that military officers could not investigate a soldier’s sexual preference without reason and a soldier should not voluntarily disclose it [McGowan 4]. Historically, the US military had never directly banned gays, only their actions of sodomy, but a change occurred during the World Wars after the Christian†¦show more content†¦Pre-DADT, everything was blamed on them, from ship explosions to natural disasters [Frank 31] thereby adding to the belief that gay men were hindrances to the military and inferior beings . Similarly, in Salem, the people first being accused of witchcraft were lower class, unchristian-like women such as Tituba, the slave, and Goody Osbourn, a midwife who had helped in the naissance of three newborn babies who all â€Å"shriveled in her hands† [Miller 47]. The stereotypical witch is based on them. They were not highly esteemed in town, and as women were given even less importance. The villagers were adamant about pursuing â€Å"witches† because they felt the same sentiment towards the suspects as they did towards the two women; they were destroying their ideal of a New Jerusalem. In result, the misconception of the cross-dressing, AIDS invested gay and the poor, unchristian female witch promotes the negative policies. The homophobic DADT and the persecution of witchcraft in The Crucible are established by religious influences in the government. Christian officials in present-day America view their opposition to homosexuality in the armed forces as  "part of a larger effort to preserve and expand the Christian character of the military and the nation† [Frank 35], believing that it is a â€Å"transgression against God and society† [Frank 3]. Though the ban is justified by the excuse that gays weaken the military, the true reasoning behind the policy isShow MoreRelatedThe Dramatic Effect of the First Act in Arthur Millers The Crucible1154 Words   |  5 PagesThe Dramatic Effect of the First Act in Arthur Millers The Crucible The Crucible is set in Salem in 1692. It is about a group of girls who are accused of witchcraft by the people of Salem, and they are put on trial for it. The story is centred on a man named John Proctor who is a farmer in the town, and it is about his affairs, his everyday ones and his sexual ones. There are many themes in The Crucible, deceit, religion, fear, guilt and the evading of peoples privacyRead More The Theme of Justice in The Crucible Essay3133 Words   |  13 PagesThe Theme of Justice in The Crucible The crucible was set in 1692 in Salem, Massachusetts. The play is based on true facts about events that actually took place. It is about a small secluded town that relies strongly on their religion to keep them feeling safe. Their enemy is the devil and they are always scared of the devil and constantly looking for signs that the devil is there. â€Å"We cannot leap to witchcraft. They will howl me out of Salem for such corruption in my house.† The fearRead MoreEssay on Abigail WIlliams and Iago: Master VIllains3493 Words   |  14 Pagesliterary work. Whether they exist as people, circumstances, or even nature, their purpose is to provide a problem to be solved by the â€Å"good guys†. Without villains, no piece of literature would be worth reading. Abigail Williams in Arthur Miller’s The Crucible and Iago in Shakespeare’s Othello are master villains. Both antagonists are fuelled by thoughts of revenge, and rely heavily on deception and manipulation to get what they want. Both Abigail and Iago are deceptive characters, which clearly illustratesRead MoreHenry Thoeau once warned ‘Never look back unless you are planning to go that way’. This applies to2800 Words   |  12 Pages‘new discoveries’, however he does the opposite as the journey results to the discoveries of his past mistakes which highlights his missed opportunities, thus all he can do is look back over his life with regret. Stevens is advised by a gentleman, Dont keep looking back all the time, youre bound to get depressed. The ironic tone highlights that it is too late for Stevens to be warned as he has been emotionally repressed throughout his employment at Darlington Hall. Chad Murray also believed thatRead MoreHow To Write Literary Analysis4174 Words   |  17 Pagesor whether you’d recommend it to another reader. A literary essay also isn’t like the kind of book report you wrote when you were younger, where your teacher wanted you to summarize the book’s action. A high school- or college-level literary essay asks, â€Å"How does this piece of literature actually work?† â€Å"How does it do what it does?† and, â€Å"Why might the author have made the choices he or she did?† The Seven Steps No one is born knowing how to analyze literature; it’s a skill you learn and a processRead More The Crucible by Arthur Miller Essay4991 Words   |  20 PagesThe Crucible by Arthur Miller John Proctor says, Ill tell you whats walking Salem, vengeance is walking Salem. Discuss the real evil in Salem, who contributed to it and their motives who do you blame the most? John Proctor says, Ill tell you whats walking Salem, vengeance is walking Salem. Discuss the real evil in Salem, who contributed to it and their motives who do you blame the most? Before I begin to tell you my opinion on who was to blame, and my reasoning for sayingRead MoreLiterary Terms3784 Words   |  16 Pagessometimes conflicting meanings in a work. Writers use ambiguity to make us think. Example: In Mystery of Heroism, Stephen Crane ends his story by not telling us if Collins came back with water or not. Example: In Weary Blues, Langston Hughes doesnt tell us exactly what happens to the blues player at the end. Aphorism A brief, cleverly worded statment that makes a wise observation about life. Benjamin Franklins Poor Richards Almanack is a book of aphorisms. 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Bridges deals with change at a more granular, individual level, suggesting that change within a health care organization means that individuals must transition from one identity to a new identity when they are involvedRead MoreStephen P. Robbins Timothy A. Judge (2011) Organizational Behaviour 15th Edition New Jersey: Prentice Hall393164 Words   |  1573 PagesTeam Efficacy? 322 Point/Counterpoint We Can Learn Much About Work Teams from Studying Sports Teams 326 Questions for Review 327 Experiential Exercise Fixed versus Variable Flight Crews 327 Ethical Dilemma Unethical Teams 327 Case Incident 1 Why Don’t Teams Work Like They’re Supposed to? 328 Case Incident 2 Multicultural Multinational Teams at IBM 329 11 Communication 335 Functions of Communication 336 The Communication Process 338 Direction of Communication 338 Downward Communication

What Did The Maoist Insurgency Influence The Declaration...

Extended Essay Draft â€Å"To what extent did the Maoist Insurgency influence the declaration of Martial law in the Philippines on 1972?† â€Å"What events influenced the decision to declare Martial Law in the Philippines in 1972?† Introduction: As a Filipina living as an expatriate, I have travelled and lived around the world and meeting new people and other Filipinos with different backgrounds. I was interested to what specific event affected their belief. The Martial law in 1972 is a major event in the history of the Philippines that caused disorder and violence against the Marcos government and this event modernized the country in terms of government and the Filipinos. There are many books written on the effects of the Martial law to the†¦show more content†¦This law is the exercise imposed by the government and control by military authorities over the civilian population. Martial law is the declared either when there is near-violent civil unrest or major natural disasters, however most countries use a different legal construct like â€Å"state of emergency†. The imposition of martial law accompanies curfews, the suspension of civil laws, civil rights, habeas corpus, and the application of military justic e to civilians. Civilians defying martial law may be subjected to military tribunals. Martial law in the Philippines was publicly declared nationwide on September 23, 1972. Around 7:15pm, he broadcasted in television his proclamation of Martial law and placing the control under the Armed Forces of the Philippines. In this situation, the president declared martial law because there was near-violent civil unrest in the Philippine society. It was lifted on January 17, 1981. President Ferdinand Marcos was holding the presidency of the Philippines for 20 years from 1966-1986. He ruled the country as a dictator and is known for running a corrupt and undemocratic regime. The declaration of martial in 1972 by President Marcos was his claim that it was the last defence against the rising disorder caused by increasing student demonstrations, the alleged threats of communist insurgency by the Communist Party of the Philippines and the Muslim Separatists Movement of the Moro National Liberation Front. Maoist Insurgency Maoism

Fashion and Social Media Essay Example For Students

Fashion and Social Media Essay Psychology of Clothing Youngstown State University November 21, 2013 The fashion industry is uniquely positioned to take full advantage of the power of social media. Being an exceedingly visual and expressive industry with an engaged consumer base, the increased publicity and interactivity that social media provides lends itself particularly well to brands in the industry. Twitter, one the leading social media sites. Has also established a presence at major events in the fashion world. An example is Fashion Week, where the fashion house Barberry broke barriers and instilled innovation by live-tweeting photographs of models Just before they stepped on the catwalk at London Fashion Week. It gave individuals an unparalleled look behind the scenes, which in return made #Barberry the second most trending topic on Twitter at that time. Other leaders within the fashion industry are taking to the idea twitter and social media as a whole to expand the relevance of the industry on their take. They are tons of professionals within our industry who can accommodate just about any individuals style and taste. For the purpose of this paper the focus as on four leaders within the fashion industry. Cosmetic Brands M. A. C cosmetics (@MACcosmectics) and Amiability Cosmetics (@Maybelline) Creative Director of ELL Magazine Joe Zee (@mrJoezee) and finally the website and blob dedicated to everything beauty, Into the Gloss (@lntoTheGloss). Over the past several months, there were key significances with each, first M. A. C cosmetics re launch Of VIVA Glam, since the first campaign was unveiled in 1994 which features a beautifully creamy shade of deep red where all proceeds went to aids research. But the biggest part of he re launch was when M. A. C cosmetics revealed via twitter that Rueful was returning to front the one that started it all: Viva Glam 1. Next is Amiability New York Cosmetics, Something very admirable is that they actually reply back to their followers in regards to questions, concerns and the whole nine. Also they rewet pictures of individual wearing products for their line as well. Something on trend is the innovation of plums colors which are perfect for the fall and also globalization is a trend with the recent opening of a corporate branch in Lagos, Nigeria which events arm the red carpet opening party trending that night. Next is Ell Creative Director Joe Zee. Id like to call him Fashions Approachable Ambassador because given his status within the fashion industry he really connects with his followers by tweeting things within his every life as well as live tweet photos from front row runway shows and event parties within the fashion industry and oncoming trends and sneak peeks within ELL magazines upcoming issues. Lastly is into the gloss, being an individual who loves makeup would preferable loved work within the beauty part of the fashion industry, I take a lot in from this twitter page, which is no secret my favorite. They are always ahead with the latest trends and innovations regarding all things beauty with an editorial feel. The instant update regarding the latest breakthrough trends are something waiting for. Using twitter in the fashion industry is a win / win for both the individuals and the fashion Houses or leaders. Brands use it to expand and reach to the specific target market using social networking sites like Twitter. Twitter and Social media in the fashion industry is important basically cuts out the middle man while creating a direct communication method between the buyer and seller. The fashion industry literally have uncovered a one of the secrets to success through consumer driving inspiration and testing trends. Which ultimately allows the ability to identify and capitalize on whats currently trending and hot in the industry early, which can make all the difference to a fashion brand or retailers predominance in the industry, with the ability to amplify the buzz. The best thing about this twitter assignment was the ability to really identify with what part of the fashion industry o wanted to be a part of by following certain people, whether that be Journalist, photographer, marketing or beauty for example. .ua96fdfe54315176760e50b388615067d , .ua96fdfe54315176760e50b388615067d .postImageUrl , .ua96fdfe54315176760e50b388615067d .centered-text-area { min-height: 80px; position: relative; } .ua96fdfe54315176760e50b388615067d , .ua96fdfe54315176760e50b388615067d:hover , .ua96fdfe54315176760e50b388615067d:visited , .ua96fdfe54315176760e50b388615067d:active { border:0!important; } .ua96fdfe54315176760e50b388615067d .clearfix:after { content: ""; display: table; clear: both; } .ua96fdfe54315176760e50b388615067d { display: block; transition: background-color 250ms; webkit-transition: background-color 250ms; width: 100%; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #95A5A6; } .ua96fdfe54315176760e50b388615067d:active , .ua96fdfe54315176760e50b388615067d:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #2C3E50; } .ua96fdfe54315176760e50b388615067d .centered-text-area { width: 100%; position: relative ; } .ua96fdfe54315176760e50b388615067d .ctaText { border-bottom: 0 solid #fff; color: #2980B9; font-size: 16px; font-weight: bold; margin: 0; padding: 0; text-decoration: underline; } .ua96fdfe54315176760e50b388615067d .postTitle { color: #FFFFFF; font-size: 16px; font-weight: 600; margin: 0; padding: 0; width: 100%; } .ua96fdfe54315176760e50b388615067d .ctaButton { background-color: #7F8C8D!important; color: #2980B9; border: none; border-radius: 3px; box-shadow: none; font-size: 14px; font-weight: bold; line-height: 26px; moz-border-radius: 3px; text-align: center; text-decoration: none; text-shadow: none; width: 80px; min-height: 80px; background: url(https://artscolumbia.org/wp-content/plugins/intelly-related-posts/assets/images/simple-arrow.png)no-repeat; position: absolute; right: 0; top: 0; } .ua96fdfe54315176760e50b388615067d:hover .ctaButton { background-color: #34495E!important; } .ua96fdfe54315176760e50b388615067d .centered-text { display: table; height: 80px; padding-left : 18px; top: 0; } .ua96fdfe54315176760e50b388615067d .ua96fdfe54315176760e50b388615067d-content { display: table-cell; margin: 0; padding: 0; padding-right: 108px; position: relative; vertical-align: middle; width: 100%; } .ua96fdfe54315176760e50b388615067d:after { content: ""; display: block; clear: both; } READ: Linking Media With Fitness Perceptions: A Study On EssayTwitter is the ultimate form of communication with brands and leaders because, like mentioned before they really respond back to their followers creating a one-on-one feel and instilling inspiration to that follower as well, so I would suggest if anything use twitter as platform for professional reasons to get your name out there and be a part of communities full of individuals with similar interest and for that reason alone, is why I will continue to use twitter.

Mens Nipples free essay sample

During the early stages of embryotic development, the new life-form, without any inclination towards the sex it is to become, can be considered female. Only after sexual dimorphism do noticeable changes begin to distinguish males from females. From the advent of life in the womb, both sexes invariably develop nipples clearly one gender makes better use of them than the other – but then what’s the reasoning behind male nippitalia anyways? After birth and throughout the rest of men’s lives, I believe those little growths on the breasts may suggest that males are more female than we tend to believe. Despite the often-bombastic masculinity of some of the greatest male heroes throughout history, we tend to forget that behind every strong man, there is a strong woman. Alexander the Great‘s greatest ally was his mother Olympias of Epirus – it was foremost through her undying dedication to him that he grew a desire for conquest and greatness. We will write a custom essay sample on Mens Nipples or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page Almost every U.S. president had the explicit and implicit support of the first lady (and I’m confident the roles will be reversed in the near future). Be it behind closed doors or exposed to the public eye, first ladies arguably have the greatest influence on a president’s decisions. Even in the world of sports, Michael Phelps’ number one fan is his mother Debbie. During the 2008 Summer Olympics, the media placed great emphasis on this mother-son relationship. One would be hard-driven to find a male without some female in his life for inspiration and guidance†¦ in fact, it’d be nearly impossible to find such a case. Just as the nipples are ever-present on men, so is their internal tendency towards femininity. With this, men embrace compassion and service, just as a mother may have done for him during infancy. Striving to imagine a world of men without any sort of female characteristics may conjure mental images of lumberjacks, pirates, and ‘Chu ck Norrises’ – not a fructuous one filled with world leaders, architects, and poets. We live in a time when it is acceptable for men to manifest their duplicities to the world. Contrasted to only a few decades ago, it is encouraged that men express their innermost feelings and insecurities. No longer are they expected to be invulnerable and staunchly non-feminine in demeanor. When men manifest overtly metrosexual tendencies, they may attract some wary stares, but it is by no means blasphemous anymore. The definition of masculinity is constantly shifting to encompass more female characteristics. Rather than a complete shift on nature, this recharacterization process acts only to make more acceptable that which already lies beneath the rugged shell of the classically masculine man. Despite appearances, men and women may be more closely related than imagined. In all general respects, the two sexes are equal and share full capabilities (okay, maybe men can’t bear children). Unlike women however, men can always look down and notice those titillating reminders of just how ever-present the opposite sex is inside of them. This is their purpose. This is their definition.