Should physical education be a mandatory class free essay sample

Canada is a nation, where physical education was once mandatory. However, now it seems that society discourages physical education by cutting gym classes in schools, and reducing physical activities in classrooms. Some schools make physical education a choice which most should disagree with. It is important for students to stay physically fit at all times. This is a healthy consideration that will help students fight obesity, high cholesterol and blood pressure. Therefore, physical education should be mandatory in all schools because students need to be active and understand the concept of healthy living. Having regular exercise is an advantage as it helps students to be physically fit and healthy, high academic achievement, and reduces health care. â€Å"Living healthy† is a powerful statement that has different meanings such as living longer, having low blood pressure and reducing the risk of getting diabetes. Having a healthy lifestyle with an exercise routine is a very healthy act of living, as it reduces stress and helps people focus on how to properly take care of the body. We will write a custom essay sample on Should physical education be a mandatory class? or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page Physical education helps students improve their knowledge about health issues leading to a more enjoyable life. Yet, some students do face challenges when performing physical activities, though it’s never too late to learn. Physical education is not a dangerous activity, it gets dangerous when students act irresponsible and take it to the extreme. Physical education is an important class that every school should have room for. Some students dislike physical education because they feel that its a waste of time as it takes away time from other classes, however most student do not know the importance of physical education. On the other hand, each and every student has the right to choose, making physical education a choice. If they do not care, forcing them to participate in physical education would not help. This may be true, but without physical education, this can lead to an obesity crisis with students. Physical education also helps students academically. It helps students focus and pay attention in class. Studies show that Physical education positively affects overweight and obesity, HDL cholesterol, Blood pressure, Insulin resistance, Skeletal health, Musculoskeletal injuries, Psychological  well-being, Self-esteem, and Anxiety/depression. The more physical activities people participate in, it increases their health benefits positively. According to McMaster University, â€Å"Most intervention studies used supervised programs of moderate to vigorous physical activity of 30 to 45 minutes duration 3 to 5 days per week. The panel believed that a greater amount of physical activity would be necessary to achieve similar beneficial effects on health and behavioral outcomes in ordinary daily circumstances.† People value different things. Some people may highly value the health benefits of physical activity. Others want to be active because they enjoy recreational activities or they want to look better or sleep better. Some people want to be active because it helps them lose weight or it gives them a chance to spend time with friends.

Human Growth Behaviour And Development Social Work Essays

Human Growth Behaviour And Development Social Work Essays Human Growth Behaviour And Development Social Work Paper Human Growth Behaviour And Development Social Work Paper Attachment theory derives from psychoanalyic psychological science, nevertheless it is used in societal work to try to understand behavior in babyhood and childhood to demo the manner in which kids develop emotionally WALKER 2009 This theory centres on the thought that kids need to organize unafraid relationships with other people, such as parents or defenders, as it is a important contributer to their emotional development. Social bonds and relationships that are made in early childhood are believed to act upon an persons life and can impact upon their wellbeing to find their emotional and societal stableness later in life. Consequently, fond regard is seen as an built-in constituent within babies and immature childrens lives, as these experiences can determine a individuals personality and individuality in future old ages. ( WALKER, J and K, CRAWFORD 2010 ) . If these experiences of fond regard are negative, and the kid does non develop equal relationships with their health professionals, so this can hold detremental effects on their psychological and emotional development. ( WALKER, J 2009 ) . The Attachment theory originates from the thoughts of John Bowlby who believes that worlds are biological predispositioned to seek fond regard from others. He proposes that endurance is closely related to the ability to possess emotional bonds with other persons ( GREEN 2003 ) . This is because by organizing an fond regard with an authorization figure who is seen as the stronger of the species, this reduces the exposure of the person as it provides increased security and protection from injury posed by possible marauders ( BOWLBY 1958, cited in LISHMAN 2007 ) . The theory looks at the manner that attachment relationships are formed, and the grounds behind their manifestation. Children are seen to organize these relationships for grounds such as safety, comfort and to supply guidence. These attachment behavior, harmonizing to larning theoreticians, are displayed in babyhood through speaking, express joying and shouting. This enables them to persue their basic demands for endurance, su ch as nutrient for nurishment, by their fond regard to their female parent who is able to back up them in carry throughing their demands ( WALKER, J and K, CRAWFORD 2010 ) . This initial fond regard to health professionals besides guides the persons ideas, feelings and outlooks as they become cognizant of peoples responses towards them which help them recognize how to act ( WALKER 2009 ) . There are four premises of Bowlby s fond regard theory which effort to explicate his beliefs. The first, is that babies and immature kids develop emotional ties with persons early in life, which acts as a biological map and plays an built-in portion to their endurance. The 2nd premise is that the manner a kid is treated early in life has a major lending factor to their future relationships and the manner their personality is formed. The 3rd premise is that attachment behavior can organize an internal working theoretical account which guide the kid s ideas, feelings and outlooks as a consequence of the reactions of others towards their behavior. The concluding premise of Bowlby s fond regard theory is that although it is hard to change attachment behavior, it is non impossible, thereofre there is the possibility of change at any point in life, both in a positive and negative manner ( GREEN 2003 ) . Although babies and immature kids are able to hold more than one attachment figure, they are still affected when they are exposed to seperation from their primary attachment figure. This can go on for many grounds, such as a kid being removed from a household place and placed into attention, or possibly decease. This can be a really distressful and confusing clip for a kid as they are diffident of who to turn to for security and protection. This is apparent in societal work pattern in cases where an abused kid wants to stay with its parents, even though it is non a stable or supportive fond regard ( LISHMAN 2006 ) . Bowlby proposed that kids who have experienced seperation from their chief attachment figure will endure in a procedure affecting protest, dispair and withdrawal, in an effort to get the better of their loss ( BOWLBY 1958, cited in LISHMAN 2006 ) . However, although Bowlby provided an of import part to the thought of fond regard, his research can be criticised in many ways. This is because Bowlby tends to concentrate his thoughts on one primary figure of fond regard, frequently the female parent, when it is possible for kids to organize fond regards with other people within their lives such as their male parent. Besides, developing relationships with other people alongside the attachment figure is besides of import, this is because holding to trust on the caregiving relationship of one individual can be damaging due to the fact it frequently consequences in dependence and does non let other relationships to be formed with others, which can the impede the societal and emotional development of the kid ( WALKER, J and K, CRAWFORD 2010 ) . Harmonizing to Lishman ( 2007 ) , the fond regard theory believes that when a kid is stressed or afraid, they exhibit peculiar behavior and emotions which can be perceived as fond regard. This is because they seek protection from injury through the aid and security of an grownup who they see as stronger than themselves. This is closly linked to two types of behavioral systems: the explorative behavioral system and the fear behavioral system. The explorative behavioral system is based of the belief that when an baby or immature kid feels comfy and safe, the attachment behavior remains hibernating and hence the kid will be willing to research the people around them and their milieus. However, if a kid feels threatened or vulnerable, the fright behavioral system will go active, where the kid will no longer seek geographic expedition and alternatively they will seek protection from their attachment figure and exhibit behavior related to that fond regard. However, the behavior that they display is non intended to arouse fondness from the attachment figure, alternatively it is to A ; acirc ; ˆ?regain a province of equilibrium A ; acirc ; ˆA? ( p59 ) . This means that babies and immature kids are non dependent upon the caregiving nature of the attachment figure, alternatively their purpose is to decrease their frights. There is a categorization of fond regard forms which identifies four different types of fond regard, which attempts to enanble professionals to measure immature childrens behavior and emotions ( secure, ambivalent, avoident and disorganised ) . Secure fond regard is based of the belief that kids depend upon their health professional as a base for geographic expedition. The health professional is available to the kid and responds to the kids demands, therefore the kid behaves in a positive mode. Ambivalent attachment expressions at how kids are unwilling to research their milieus as the health professional is non consistent in their support. This can go forth the kid distressed, clingy and dependant. The 3rd class is avoident forms of fond regard, and features an unresponsive health professional, therefore the kid feels rejected and they view themelves as dependent whilst actively avoiding or disregarding the health professionals presence. And eventually, disorganized fond regard is w here kids are fearful of their health professionals, and they themselves may experience confused or depressed. This type of fond regard is most frequently seen in kids who have suffered maltreatment ( HOWE 2001, cited in LISHMAN 2007 ) . How a critical apprehension of Attachment Theory can lend to Social Work Practice. Social workers are seen to hold three functions to play when working within an attachment position: appraisal, planning and direct work with kids, parents and carers. Assessment looks at countries within fond regard such as the demands of a kid, the rearing that they receive, their emotional and behavioral development and the relationships which they have formed. There are besides trials created specifically for mensurating fond regard, such as Ainsworth s alien trial which provide an indicant of the form and quality of their fond regards. The 2nd function, planning, looks at how be aftering for new fond regards when puting kids with new households needs to be approached carefully. This is because they need happening the most suited parenting figures where new fond regards can be made. The 3rd function is direct work with kids, parents and carers. This is because direct contact and communicating is necessary to accomplish the best possible result when working with kids and households. For illustration, when a kid has been removed from their place and is being placed with new carers, direct work can supply support to the kid to fix them for alteration. It can besides be utile with the adoptive or surrogate household to supply guidence and support towards what to anticipate and to assist with any jobs they face ( LISHMAN 2007 ) Attachment theory has been used within societal work pattern as the footing for many kid attention policies. This is because the thought of a baby or kid being attached to their household, which can act upon their development in many ways, has been used as the footing for many statute law ( LISHMAN 2007 ) . For illustration, Sure Start Children s Centres have been introduced in response to the importancy of household support to enable them to construct and keep positive household relationships ( LAMING REPORT 2009, cited in BRAMMER 2010 ) . Attachment theory had besides contributed to policies such as shared parental duty, as it has emhasised the demand for emotional and societal relationships with health professionals, whilst besides proposing possible effects to a kid development and the negative impact later in life if these demands were non met efficaciously. ( LISHMAN 2007 ) . Attachment theory besides provides guidence to enable societal workers to judge the quality of a relationship between a kid and it s parents. This can enable them to derive an apprehension of at what point, if at any, intercession is necessary as it gives them the ability to measure the fond regard that is present within the relationship. The fond regard theory besides gives a more comprehensive apprehension of the loss experienced by an baby or kid when they lose their chief attachment figure. This means that people working within societal work pattern are cognizant of the common and typical behaviors of a kid who is traveling through this procedure and can therefore back up them to get the better of it. A farther manner the fond regard theory is used to profit societal work pattern is that as it is known that fond regard figures are necessary for kids to develop adequately, persons such as adoptive parents can be taught to exhibit behavior which will promote new attachmentment from the kid which is needed for personal growing ( WALKER, J and K, CRAWFORD 2010 ) . However, attention demands to be taken when puting a kid with a new household as to forestall a repeating loss of fond regard figures which can do them to fault themeselves and produce feelings of ineptitude. This can intend guaranting that the kid is appropriatly prepared and ready to organize new bonds of fond regard and that the new carers of the kid receive sufficient support within their function. ( LISHMAN 2007 ) . Attachment theory can besides be linked to the manner in which a female parent bonds with her new born babe. However, these early bonds are non entirely restricted to female parents, it is besides possible for male parents. Although, this bond is typically formed within the first few hours after birth as the female parent and babe connect both physically and emotionally. The initial bond that is made is thought to hold a important consequence on their hereafter relationship as it is the beginning of their attachment . This cognition enables societal workers to back up female parents who are peculiarly vulnerable to hapless parenting, although this is merely effectual if the support continues throughout the first few months after the babe is born.. However, it is of import to observe that merely because a female parent fails to accomplish an initial bond with her babe, this does non intend that maltreatment is inevitable. How are issues of diversity relevant to human growing, behavior and development? GREEN, V. 2003. Emotional development in Psychoanalysis, Attachment Theory and Neuroscience: Creating Connections. East Sussex: Brunner-Routledge LISHMAN, J. 2007. Handbook for Practice and Learning in Social Work and Social Care: Knowledge and Theory. London: Jessica Kingsley WALKER, J and K, CRAWFORD. 2010. Social Work and Human Development. Exeter: Learning Matters WALKER, J. 2008. Analyzing for Your Social Work Degree. Exeter: Learning Matters BRAMMER, 2010. Social Work Law. London: Longman

Gerrymandering - Definition and Examples in Politics

Gerrymandering s in Politics Gerrymandering is the act of drawing congressional, state legislative or other political boundaries to favor a political party or one particular candidate for elected office. The purpose of gerrymandering is to grant one party power over another by creating districts that hold dense concentrations of voters who are favorable to their policies. Impact The physical impact of gerrymandering can be seen on any map of congressional districts. Many boundaries zig and zag east and west, north and south across city, township and county lines as if for no reason at all. But the political impact is much more significant. Gerrymandering reduces the number of competitive congressional races across the United States by segregating like-minded voters from each other. Gerrymandering has become common in American politics and is often blamed for the gridlock in Congress, polarization of the electorate and disenfranchisement among voters. President Barack Obama, speaking in his final State of the Union address in 2016, called on both the Republican and Democratic parties to end the practice. â€Å"If we want a better politics, it’s not enough just to change a congressman or change a senator or even change a president. We have to change the system to reflect our better selves. I think weve got to end the practice of drawing our congressional districts so that politicians can pick their voters, and not the other way around. Let a bipartisan group do it.† In the end, though, most cases of gerrymandering are legal.   Harmful Effects Gerrymandering  often leads to disproportionate politicians from one party being elected to office. And it creates districts of voters who are socioeconomically, racially or politically alike so that members of Congress are safe from potential challengers and, as a result, have little reason to compromise with their colleagues from the other party.   The process is marked by secrecy, self-dealing and backroom logrolling among elected officials. The public is largely shut out of the process, wrote  Erika L. Wood, the director of the Redistricting Representation Project at the Brennan Center for Justice at New York University School of Law. In the 2012 congressional elections, for example, Republicans won 53 percent of the popular vote but carried three out of four House seats in states where they oversaw redistricting. The same was true for Democrats. In states where they controlled the process of drawing congressional district boundaries, they captured seven out of 10 seats with only 56 percent of the popular vote. Any Laws Against It? The U.S. Supreme Court, ruling in 1964, called for a fair and equitable distribution of voters among congressional districts, but its ruling dealt mostly with the actual number of voters in each and whether they were rural or urban, not the partisan or racial makeup of each: Since the achieving of fair and effective representation for all citizens  is concededly the basic aim of legislative apportionment, we conclude that the Equal Protection Clause guarantees the opportunity for equal participation by all voters in the election of state legislators. Diluting the weight of votes because of place of residence impairs basic constitutional rights under the Fourteenth Amendment just as much as invidious discriminations based upon factors such as race  or economic status. The federal Voting Rights Act of 1965  took on the issue of using race as a factor in drawing congressional districts, saying it is illegal to deny minorities their constitutional right  Ã¢â‚¬Å"to participate in the political process and to elect representatives of their choice.† The law  was designed to end discrimination against black Americans, particularly those in the South after the Civil War. A state may take race into account as one of several factors when drawing district lines- but without a compelling reason, race cannot be the predominant reason for a district’s shape, according to the Brennan Center for Justice. The Supreme Court followed up in 2015 by saying states could form independent, nonpartisan commissions to redraw legislative and congressional boundaries. How It Happens Attempts to gerrymander happen only once a decade and soon after years ending in a zero. That’s because states are required by law to redraw all 435 congressional and legislative boundaries based on the decennial census every 10 years. The redistricting process begins soon after the U.S. Census Bureau completes its work and begins sending data back to the states. Redistricting must be completed in time for the 2012 elections. Redistricting is one of the most important processes in American politics. The way congressional and legislative boundaries are drawn determines who wins federal and state elections, and ultimately which political party holds the power in making crucial policy decisions. Gerrymandering is not hard,  Sam Wang, the founder of Princeton Universitys Election Consortium, wrote in 2012. He continued: The core technique is to jam voters likely to favor your opponents into a few throwaway districts where the other side will win lopsided victories, a strategy known as packing. Arrange other boundaries to win close victories, cracking opposition groups into many districts. Examples The most concerted effort to redraw political boundaries to benefit a political party in modern history happened after the 2010 census. The project, orchestrated by Republicans using sophisticated software and about $30 million, was called  REDMAP, for Redistricting Majority Project. The program began with successful efforts to regain majorities in key states including  Pennsylvania, Ohio, Michigan, North Carolina, Florida, and Wisconsin. Republican strategist Karl Rove wrote in The Wall Street Journal before the midterm elections in 2010: The political world is fixated on whether this years elections will deliver an epic rebuke of President Barack Obama and his party. If that happens, it could end up costing Democrats congressional seats for a decade to come. He was right. The Republican victories in statehouses across the country allowed the GOP in those states to then control the redistricting process taking effect in 2012 and shape congressional races, and ultimately policy, until the next census in 2020.   Who is Responsible? Both major political parties are responsible for the misshapen legislative and congressional districts in the United States. In most cases, the process of drawing congressional and legislative boundaries is left to state legislatures. Some states impanel special commissions. Some redistricting commissions are expected to resist political influence and act independently from the parties and the elected officials in that state. But not all. Here’s a breakdown of who is responsible for redistricting in each state: State legislatures: In 30 states, the elected state lawmakers are responsible for drawing their own legislative districts and in 31 states the boundaries for the congressional districts in their states, according to the Brennan Center for Justice at New York University’s School of Law. The governors in most of those states have the authority to veto the plans. The states that allow their legislatures to perform the redistricting are: AlabamaDelaware (Legislative districts only)FloridaGeorgiaIllinoisIndianaKansasKentuckyLouisianaMaine (Congressional districts only)MarylandMassachusettsMinnesotaMissouri (Congressional districts only)North CarolinaNorth Dakota (Legislative districts only)NebraskaNew HampshireNew MexicoNevadaOklahomaOregonRhode IslandSouth CarolinaSouth Dakota (Legislative districts only)TennesseeTexasUtahVirginiaWest VirginiaWisconsinWyoming (Legislative districts only) Independent commissions: These apolitical panels are used in four states to redraw legislative districts. To keep politics and the potential for gerrymandering out of the process, state lawmakers and public officials are prohibited from serving on the commissions. Some states also prohibit legislative staffers and lobbyists, as well. The four states that employ independent commissions are: ArizonaCaliforniaColoradoMichigan Advisory commissions: Four states use and advisory commission consisting of a mix of legislators and non-legislators to draw up congressional maps that are then presented to the legislature for a vote. Six states use advisory commissions to draw state legislative districts. The states that use advisory commissions are: ConnecticutIowaMaine (Legislative districts only)New YorkUtahVermont (Legislative districts only) Politician commissions: Ten states create panels made up of state lawmakers and other elected officials to redraw their own legislative boundaries. While these states take redistricting out of the hands of the entire legislature, the process is highly political, or partisan, and often results in gerrymandering districts. The 10 states that use politician commissions are: Alaska (Legislative districts only)Arkansas (Legislative districts only)HawaiiIdahoMissouriMontana (Legislative districts only)New JerseyOhio (Legislative districts only)Pennsylvania (Legislative districts only)Washington Why Is It Called Gerrymandering? The term gerrymander is derived from the name of a Massachusetts governor in the early 1800s, Elbridge Gerry. Charles Ledyard Norton, writing in the 1890 book  Political Americanisms, blamed Gerry for signing into a law a bill in 1811 readjusting the representative districts so as to favor the Democrats and weaken the Federalists, although the last named party polled nearly two-thirds of the votes cast. Norton explained the emergence of the epithet gerrymander this way: A fancied resemblance of a map of the districts thus treated led [Gilbert] Stuart, the painter, to add a few lines with his pencil, and to say to Mr. [Benjamin] Russell, editor of the Boston Centinel, That will do for a salamander. Russell glanced at it: Salamander! said he, Call it a Gerrymander! The epithet took at once and became a Federalist war-cry, the map caricature being published as a campaign document. The late William Safire, a political columnist and linguist for  The New York Times, made note of the words pronunciation in his 1968 book  Safires New Political Dictionary: Gerrys name was pronounced with a hard  g; but because of the similarity of the word with jerrybuilt (meaning rickety, no connection with gerrymander) the letter  g  is pronounced as  j.

Bioterroist threat Essay Example | Topics and Well Written Essays - 500 words

Bioterroist threat - Essay Example Terrorists value biological weapons due to their ability to cause mass panic among the people. Moreover, such threats cause massive disruption in the operation of a country making terrorists achieve their target. Bacteria are free-living microscopic organisms that are known to occupy extreme habitats. These organisms have no cell membrane and most of the other organelles found in ordinary cells. This makes it complex to identify effective agents or medicine to deal with such organism. Bacterium such as anthrax are highly contagious and, hence their application in biological warfare. Moreover, anthrax causes high mortality due to its low incubation period. Anthrax bacteria also transform into spores to survive extreme condition such as high temperatures, extreme radiation, and lack of water or nutrients. Such characters makes the bacteria indestructible and, hence an effective warfare agent. Viruses are cellular organisms that thrive as parasites in other living cells. Unlike bacteria and fungus, viruses are not considered living organisms since they lack nucleic acid replication mechanism that is present in other single celled organisms such as bacteria. When viruses occupy a living cell, they interfere with normal cell metabolism, causing death of the cell. Infected cells releases a protein compound knows as Cytokines in response to the attack. This agent is responsible for the resultant symptoms. However, it is difficult to differentiate between viral and cell processes. This makes it difficult for scientists to develop anti-viral medicines. Viruses are effective agents of biological terrorism since they are easy to transport and disseminate (Block, 2001). In particular, viral agents can be transported in aerosol form making them attractive to terrorists. Chimera virus is potential viral agents for biological weapons. The viruses are generated by injecting genetic ma terials of other viruses

High Blood Pressure Measurement Essay Example | Topics and Well Written Essays - 1000 words

High Blood Pressure Measurement - Essay Example As a matter of fact, the procedure only requires normal stethoscope or transducer that serves to detect the Korotkoff sounds and then transfers them to the ear. The sounds tend to emanate from the collapsing motion of the walls of the arteries. This implies that so long as one has good hearing ability and high level of attention, the experiment can be simply conducted in an ordinary setting. Procedure In this experiment, a student was selected at random from a group of students. In the selection, weight of the individual was taken into account owing to the fact that weight of an individual has effect on the heart beat rate. In this particular experiment, the student was 85 kg with no record of hypertension. The subject was made to lay straight on a clinical bed for five minutes before the first reading was taken. She then was made to undergo four sessions of resistance exercises at varying intensities ranging from 20%, 40%, 60%, and 80%. At 20% exercise intensity, the subject was mad e to simple tasks that mainly involve the legs. The subsequent exercises involved a combination of legs and the upper body parts. The blood pressure and the heart rate in terms of diastolic and systolic compressions were then monitored after 30 minutes of rest. Ordinary clinical stethoscope and the upper arm blood pressure cuff were used for measuring heart rate and blood pressure. Each of the result for each experiment was then tabulated in a graph as provided below. In order to eliminate any chances of external interference, the subject was made to sit at a resting position before taking the readings. The room was also maintained at room temperature of between 25.5 +1.5 oC. Results In the experiment, the initial reading of the subject’s blood pressure was recorded as 120/90 whereas the heart rate was 66 beats per minute. Subsequently, the blood pressure rose with the increasing intensity of the exercise. As shown in the graph, the first reading was at 20% intensity level at which the subject’s blood pressure was recorded as 140/90. Subsequently, at 40% intensity, the subject’s diastolic pressure level rose to 130 while the systolic pressure remained 90. At 60% intensity, the subject’s diastolic and systolic pressure further went up to 150/100. With further increase in the intensity of the exercise as scheduled, her blood pressure went down to 120/90. Discussion The results of this report indicate that in the three conditions, that is, at rest, during exercise and during recovery from maximal exercise, there is usually a fluctuation of the blood pressure as well as the heart rate. The Systolic blood pressure during recovery was slightly higher than at rest before exercise. Moreover, with the increasing intensity of the exercise that subject went through, there was a huge change in the blood pressure up to a certain level. According to Cornelissen, Aubert and Fagard (2010), an acute bout of exercise tend to elicit a number of tempor ary physiological responses. Similarly, with the accumulation of bouts of exercises, there is a production of permanent chronic adaptations that may be termed as exercise training response. Shiotani et.al (2009) presents that exercise or training can induce chances in blood pressure. However, the changes may vary according to conditions and measurement procedures. As for this experiment,

Insurance History Essay Example for Free

Insurance History Essay Some 2,000 years ago in Roman times a form of life insurance was practiced by burial societies who paid out funeral costs of members funded by monthly contributions. It is thought that these were year to year arrangements but unfortunately there is not enough evidence remaining to be exact on how they operated. In Britain in the middle ages Trade Guilds provided funeral costs to members in much the same way. The earliest life insurance policy in England was recorded as being effected on the 15th June 1583. The policy was on the life of a William Gybbons (a salter in the City of London) and was taken out by a Richard Martin. The premium was set at  £8 per  £100 pounds of benefit insured. Even at that early date it is of interest that when the policy ended in a claim there was dispute between the insurer and the policy holder over whether the policy should pay up. Luckily for Richard Martin he won the case and the insurer lost. In those days life insurance policies where underwritten by individuals as opposed to insurance companies. It was also common practice for people to take out life policies on the rich and famous in the hope that they might benefit if that person died. We would have regarded it as a form of gabling. The first actual life insurance company was the Annuity Association founded by the Rev Dr Assheton on the 4th October 1699. Unfortunately this company only survived for 46 years before going bankrupt. Many life insurers were set up as mutual companies where ownership of the company was among the members of the life fund. The policies did not have fixed sums insured as they do today, but instead the fund would pay out what it could afford based on the number of people in the fund that died that year. Now we can be thankful that life insurance has developed since those days. Most policies offer fixed sum insured which can be up to very large amounts. There are a numerous number of insurers all vying for your business. Not only are there pure protection policies but also those which are also linked to some form of investment factor. Life insurance law has grown up and now there are several layers of protection for the naà ¯ve consumer. Whilst all these changes have been good for the co nsumer it also means that the consumer needs to be more aware of what type of life policy they need and where best to purchase that cover. Choice is a wonderful commodity but you need to be able to make a wise selection. More recent changes have been in the growth of life insurers and life insurance  intermediaries who are using the internet as a place of business. Here costs can be controlled, wider markets searched at the click of a mouse and policies handled and concluded at a faster pace. Why not check out what term life cover you could get by visiting http://www.protected.co.uk/ This article was written on the 15th February 2007. This article does not represent ‘financial advice’ as each persons individual requirements will be unique to their needs. If there is something in the article which you which to rely on then please check those details with any person from whom you purchase a term life policy at the time of purchase.

Painting Pears and Paula Mandel Essay -- Artist Paintings Art Essays

Painting Pears and Paula Mandel â€Å"I can’t imagine a life without art. I can’t imagine it. It would be so sad. One of the most amazing things in the world is the art we create. It is a view into people’s souls.† -Paula Mandel If, on some sunny Sunday afternoon, you decide to take a drive through the streets of Conshohocken, Pennsylvania, you’d pass by movie theatres, Starbuck’s cafes, shopping malls, and even historical parks. And if you venture on to some of the more remote side streets, you might discover a small, broken-down old strip mall accommodating a mom and pop’s pizza shop and Morninglory, a small bakery and catering company exhibiting a painting of a piece of fruit in the window. A pear, to be exact. Enticed into stepping foot in the bakery, you might peruse the wall of sweets and goodies, find one you like, and buy it. And so you amble on, fruit tart in hand, sun on face, and $1.50 less in your wallet. Later that day, after meeting a friend for lunch, you find it quite fitting to return to the bakery for another treat. On your arrival, you once again are lured into the shop door, ensnared by that splash of color, that painting of a pear hanging in the window, and you once again buy a dessert. This time, however, instead of departing to saunter along in the sun, you feel the urge to stay awhile, scrutinizing that work of art in the window. There is just†¦something about it that captivates you. That pear, those colors, that shape. You smile. You get closer, pressing your nose up against the storefront’s window, trying to see every detail of that painting. You become obsessed. You can’t place your finger on just what it is you find so allur... ...McGraw-Hill, 2002. 184-87. Hillman, James. â€Å"The Poetic Basis of Mind.† Writing the Essay: Art and the World. Ed. Darlene A. Forrest, Pat C. Hoy II and Randy Martin. New York: McGraw-Hill, 2002. 59-80. Jung, Carl G. â€Å"On the Relation of Analytical Psychology to Poetry.† Writing the Essay:Art and the World. Ed. Darlene A. Forrest, Pat C. Hoy II and Randy Martin. New York: McGraw-Hill, 2002. 279-98. Mandel, Paula. Almost. 5 May 2003. Artist Statement. Pears. 5 May 2003. < http://paula-mandel.com/cgi-local/ perlshop-paulamandel.pl?ACTION=ENTER&thispage=pea01&ORDER_ID=!ORDERID!> Caress. 5 May 2003. < http://paula-mandel.com/cgi-local/ perlshop-paulamandel.pl?ACTION=ENTER&thispage=pea01&ORDER_ID=!ORDERID!> Personal interview. 13 Apr. 2003.

Analysis of Different Banks Performance in Bangladesh by Using Published Financial Statements

07 August 2007 Md. Mahfuzur Rahman 2003-2-10-187 BBA East West University Dear Mahfuz: As the students of business administration are supposed to prepare a Report and submit that at the end of the semester, you are authorized to choose an interesting issue and construct a formal report on that. The issue should be the â€Å"Analysis of Basel Agreement and It’s influence on Bank’s of Bangladesh†. The report should include some key steps such as Executive summary, introduction, conclusion, sources of information and the analysis. The title should be a statement which will describe the report precisely. I will appreciate if you prepare the report according to the instruction given. Thanks Nikhil Chandra Shil Senior Lecturer & Assistant Proctor East West University 07 August, 2007 Nikhil Chandra Shil Senior Lecturer & Assistant Proctor Department of Business Administration 43 Mohakhali C/A Dhaka, Bangladesh Dear Sir: Here is the report on the â€Å"Analysis of Basel Agreement and It’s influence on Bank’s of Bangladesh†. As you will find that I have conducted an in-depth investigation and analysis of different type’s ratio and tried to analyze certain circumstances and displayed our results of analysis and findings in this report. I will really appreciate if you go through the report and express your feedback on that. Thanks Sincerely Md. Mahfuzur Rahman 2003-2-10-187 Acknowledgement The report is based on the performance analysis of different bank in Bangladesh. While any an all errors of fact, omission, and emphasis are solely our responsibility. I would remiss, if I did not acknowledge those who helped me to prepare this report. First of all I must humbly acknowledge the contribution of Nikhil Chandra Shil for the time and effort to help me. I have had the good fortunate of meeting him in personally and share his views and ideas. Next I must thank the University for offering us this project (BUS 498) course and our course instructor for his encouragement and cooperation. I believe it will help us in understanding and identifying different types of risk in the banking sector. Finally, I would like to acknowledge the contributions of my parents. Although they didn't write a single word of this report or any artworks, but their imprint can be found on everything I do. They support me, encourage e, and inspire me. They give my work – and my live -meaning. It is my Mother who provides me all the love and affection. | | |Chapter 1 |04-16 | |1. 1 Origin of the Report, Objective |06 | |1. 2 Methodology, Scope, Limitations |08 | |1. Executive Summary |09 | |1. 4 Introduction |11 | |1. 5 Banking Industry –Overview |12 | |1. 6 Credit Rating Status |16 | |Chapter 2 |17-22 | |2. Key Profitability Ratios In Banking |17 | |2. 2 Earning Per Share |18 | |2. 3 Liquidity Risk |20 | |2. 4 Credit Risk |20 | |2. 5 Capital Risk |21 | |3. Key Profitability Ratios In Banking |23 | |3. 2 Earning Per Share |24 | |3. 3 Liquidity Risk |26 | |3. 4 Credit Risk |26 | |3. 5 Capital Risk |27 | |4. Key Profitability Ratios In Banking |29 | |4. 2 Earning Per Share |30 | |4. 3 Liquidity Risk |32 | |4. 4 Credit Risk |33 | |4. 5 Capital Risk |34 | |5. 1 Key Profitability Ratios In Banking |35 | |5. Earning Per Share |36 | |5. 3 Liquidity Risk |38 | |5. 4 Credit Risk |38 | |5. 5 Capital Risk |39 | |6. Key Profitability Ratios In Banking |41 | |6. 2 Earning Per Share |42 | |6. 3 Liquidity Risk |44 | |6. 4 Credit Risk |45 | |6. Capital Risk |45 | |Chapter 7: City Bank |47-52 | |7. 1 Key Profitability Ratios In Banking |47 | |7. 2 Earning Per Share |48 | |7. 3 Liquidity Risk |50 | |7. Credit Risk |51 | |7. 5 Capital Risk |51 | |Chapter 8: Uttara Bank |53-58 | |8. 1 Key Profitability Ratios In Banking |53 | |8. 2 Earning Per Share |54 | |8. Liquidity Risk |55 | |8. 4 Credit Risk |56 | |8. 5 Capital Risk |57 | |Chapter 9: Prime Bank |59-64 | |9. 1 Key Profitability Ratios In Banking |59 | |9. 2 Earning Per Share |60 | |9. Liquidity Risk |62 | |9. 4 Credit Risk |63 | |9. 5 Capital Risk |63 | |Chapter 10: Southeast Bank |65-70 | |10. 1 Key Profitability Ratios In Banking |65 | |10. Earning Per Share |66 | |10. 3 Liquidity Risk |68 | |10. 4 Credit Risk |68 | |10. 5 Capital Risk |67 | |Chapter 11: Conclusion |71-73 | |11. 1 Conclusion |71 | |11. Bibliography |73 | Chapter-1 Introduction ORIGIN OF THE REPORT This report has been prepared as a requirement for the completion of the BBA program of the Department of Business Administration, at East West University, Dhaka. OBJECTIVE The main objective of the report is to illuminate on the different ratio analysis of some major private bank in Bangladesh and its Comparative Analysis with other Banks prevailing in the market. I will also try to find out how the performance of the bank is improving over the years and how it is contributing to the growth of the banking sector. The following specific objectives can be identified: 1. To make a comparative study on nine major private bank in Bangladesh. 2. To suggest suitable measures to remove the existing problems (if any) & improve the present condition. DATA Data used in this project are derived from the published financial statements of nine banks operating in Bangladesh as of 31 December 2001, 31 to December 2005 from 48 banks operating in Bangladesh. There are some banks whose financial statements either are not available or contain some incomplete or missing accounts, or are contradictory hence they are deleted from observation. Banks are chosen by their status of operation. I have chosen some Liquidated Banks, some Problem Banks, and some Normal Banks for my research. INITIAL VARIABLES There are some basic financial performance and structural characteristics to evaluate a bank, namely profitability, efficiency or productivity, quality of assets, growth and aggressiveness, liquidity, size, capital adequacy, income diversification, and dependence on affiliates. There is, certainly, no single variable which could measure and represent each characteristic perfectly. There are, typically, several variables that proximate to a characteristic of interest. Based on literature review on banking and financial institutions and initial judgment, I chose the following variables to represent each characteristic as listed below. Earning and profitability: Return on Assets (ROA) = Net Income / Assets (NI/A) Return on Equity (ROE) = Net Income / Equity (NI/E) Return on Earning Assets (ROEA) = Net Income / Earning Assets (NI/EA) Return on Loans (ROL) = Interest Income / Loans (II/L) Interest Income / Earning Assets (II/EA) Net Interest Income / Earning Assets (NII/EA) Interest Margin (IM) = Return on Fund – Cost of Fund (IM) Productivity and Efficiency: Operating Expense / Operating Income (OE/OI) Profit Margin (PM) = Earning Before Taxes / Operating Income (EBT/OI) Sta. Expense / Assets (SE/A) Non-interest Expense / Assets (NonIE/A) Quality of Assets: Write-offs / Loans (W/L) Provision for Loan Losses / Loans (PLL/L) Provision for Loan Losses / Equity (PLL/E) Capital Adequacy: Equity / Assets (E/A) Equity / Earning Assets (E/EA) Equity / Loans (E/L) Growth and Aggressiveness: Loans Growth Rate (LGR) Loans-Market-Share Increment (LMSI) Deposit Growth Rate (DGR) Deposit-Market-Share Increment (DMSI) Equity Growth Rate (EGR) Loans to Deposit Ratio = Loans / Deposit (L/D) Credibility or Cost of Fund: Interest Expense / Deposit (IE/D) Interest Expense / Third Party Fund (IE/TPF) Size: ln (Assets) (lnA) Income and Sources of Fund Diversification: Non-interest Income / Operating Income (NonII/OI) Deposit / Third Party Fund (D/TPF) Liquidity: Liquid Assets / Deposit (LA/D) METHODOLOGY The study required information regarding the past & present condition of different Bank in Bangladesh. Necessary data and information were gathered, secondary data, and annual report. a) Sources of Data: The following sources had been used for the purpose the purpose of collecting data as required for this report: Primary sources: I) Observation, ii) Personal communication with course instructor Secondary Sources: I) Annual and other periodical reports of different Bank in Bangladesh ii) Various manuals (conditions of use guides) and brochures, iii) Service Rules & IV) Miscellaneous Publications. SCOPE The report is limited to the understanding of credit risk, capital risk, liquidity risk analysis, and find out the key profitability ratio, and a comparative interpretation to that analysis. It was really difficult for me to gather all the necessary information because the managers were not cooperative at all. As a result, we have chosen the following nine banks based on the availability of information we get. LIMITATIONS 1. As a student of business administration, analyzing of different sorts of risk and ratio is new for me so it took some time to understand. Besides three months time is inadequate to prepare such a robust report. 2. It was very difficult to get the actual information from the annual report; some of the information is not given the annual report. 3. Sufficient records, publications were not available. The constraints narrowed the scope of real analysis. 4. Most of the time I have faced the problem with the annual report which is prepared before 2000. 5. Accounting practice is different for the different bank. 6. Credit Worthiness: At present, we do not have any credit rating company in our country and information on the customer from the third party is also not always reliable. Therefore, we need to make our own scoring system. Since it will be a very difficult to prepare a standard scoring system to assess everybody’s credit worthiness so we shall also have top substantially depend on judgmental analysis to make decision on every individual cases. Every individual case shall be unique and separate from others. EXECUTIVE SUMMARY Bank |Profitability |Liquidity Risk |Credit Risk |Capital Risk | |Dhaka Bank |Average |Low |Low |Average | |NCC Bank |High |High |Low |Average | |National Bank |Average |Low |Average |High | |Al-Arafah Bank |Average |High |High |High | |Eastern Bank |High* |Low |Average |Low | |City Bank |High |Low |Average |Average | |Uttara Bank |High |High |Low |Average | |Prime Bank |High** |Average |Low |Low | |Southeast Bank |Average |High |Average |Average | TABLE: Summery of Risk Categor ies |Risk Type |Definition |Comment | |Country Risk |( The risk that a counter party is unable to meet its |( Country risk is often confused with sovereign risk, | | |foreign currency obligations as a result of adverse |which is the counter party credit risk of the government. | |economic conditions or actions taken by governments in | | | |the relevant country. |( Country Risk is also often referred to as transfer risk | | | |or cross border risk. | | | | | | | |( Country related events such as economic downturn, | | | |political changes; devaluation etc. ill often have | | | |significant impact on the other risks that SCB must | | | |manage. | |Credit Risk |( The risk that a counter party will not settle its |( Assessing this risk requires an understanding of the | | |obligations in accordance within agreed terms |customers ability and willingness to pay but also its | | | |understanding of the risks it faces and how well it | | | |manages them e. g. environmental risks | |Liqu idity Risk |( The isk that funds will not be available to meet |( Includes the management of cash flow under business as | | |liabilities as they fall due |usual and stress conditions together with setting of | | | |targets for balance sheet ratios. | |Market Risk |( The risk of loss generated by adverse changes in the |( Does not include the risk of price movements in other | | |price of assets or contracts currently held by the |markets e. g. stocks and shares, property, commodities. | | |company (this risk is also known as price risk). |Does include basis risk. |Capital Risk |( The risk that a bank capital might be undergone |( Equity Capital/Total Assets has been increased but | | | |Purchased Funds/Total Liabilities | |Business Risk |( The risk of failing to achieve business targets due |( Includes decisions on the markets we operate in, | | |to inappropriate strategies, inadequate resources or |products offered, and customers targeted and the terms and| | |changes in the econo mic or competitive environment |conditions of conducting business. | |Legal and Regulatory Risk |( The risk of non compliance with legal or regulatory |( Includes banking specific legislation and regulations | | |requirements. |but also all applicable laws. In extreme cases could lead | | | |to loss of banking license(s). | Source: Bank Management & Financial Services (6th Edition) Pages: 161, 162, 164, 328, 472. INTRODUCTION The overall objective of my project report is to clearly identify and briefly discuss about the performance analysis of different bank in Bangladesh. To nalyze the performance of different bank I have analyzed different ratio and provided some interpretation of them. I have taken a total nine bank to evaluate the performance of them. And try to make a comparison among all of the following. 1. Dhaka Bank Ltd 2. National  Credit Ltd. 3. National  Bank Ltd. 4. Al-Arafah Islami Bank Limited (Al-Arafah) 5. Eastern Bank  Ltd. 6. The City  Bank Ltd. 7. Uttara Bank 8. Prime Bank Ltd. 9. South East  Bank Ltd Customer satisfaction is one of the core objectives of different bank. Taking decision to provide credit facility to a corporate customer is not easy in this fast changing global environment especially in Bangladesh. To smooth the whole process the work is divided. So, before making a decision the every necessary information should be carefully analyzed by different departments and different people who have gained expertise in their related field. Thus it helps both in making correct decision and smoothen the process to satisfy the customer need quickly. A bank is an organization that engages in the business of banking. Banks perform three functions: 1. Provide the means of payment through administering the checking account system. 2. Intermediate between depositors and borrowers by offering savings and time deposit- to depositors and providing all types of loans to borrowers. 3. Provide a variety of financial services, encompassing fiduciary services, investment banking and off-balance sheet risk taking. Commercial banks are private profit seeking enterprises, balancing risk and return to their portfolio management with the goal of maximizing shareholder wealth. Share holders wealth depends on three factors: 1. The volume of cash flows resulting from portfolio decisions. 2. The timing of those cash flows 3. The risk and volatility of the cash flows. Commercial banks face six risks: 1. Credit or Default risk 2. Interest-rate risk 3. Liquidity risk 4. Operational risk 5. Capital. Risk 6. Fraud risk The Modern definition of a bank is, An institution that provides all financial services† (Source: SCB Handbook) and the core activity of a bank is to collect money from the people who has surplus with them and lend those money to people who has deficit, known as credit facility. Customers sought different kind of credit facility from banks and the banks try to provide as many as they can within their limited scope. Every bank follows a predefined structured procedure in providing credit facilities to their customers. BANKING INDUSTRY –OVERVIEW The banking industry in Bangladesh is more than 600 years old. The first commercial bank was ANZ Grindlays Bank which opened in1905. The central bank of the country, Bangladesh Bank controls and monitors the banking industry. At present there are 52 commercial (nationalized, foreign and local) banks. Currently, the major financial institutions under the banking system include: ? Bangladesh Bank ? Commercial Banks ? Islamic Banks ? Leasing Companies ? Finance Companies ? Merchant Banks Generally, the commercial banks and finance companies provide a myriad of banking products/services to cater to the needs of their customers. However, the Bangladeshi banking industry is characterized by the tight banking rules and regulation s set by the Bangladesh Bank. All banks and financial institutions are highly governed and controlled under the Banking Companies Act-1993. The range of banking products and financial services is also limited in scope. All local banks must maintain a 4% Cash Reserve Requirement (CRR), which is non-interest bearing and a 16% Secondary Liquidity Requirement (SLR). With the liberalization of markets, competition among the banking products and financial services seems to be growing more intense each day. In addition, the banking products offered in Bangladesh are fairly homogeneous in nature due to the tight regulations imposed by the central bank. Competing through differentiation is increasingly difficult and other banks quickly duplicate any innovative banking service. Bangladesh Bank Bangladesh Bank (BB) has been working as the central bank since the country's independence. Its prime jobs include issuing of currency, maintaining foreign exchange reserve and providing transaction facilities of all public monetary matters. BB is also responsible for planning the government's monetary policy and implementing it thereby. The BB has a governing body comprising of nine members with the Governor as its chief. Apart from the head office in Dhaka, it has nine more branches, of which two in Dhaka and one each in Chittagong, Rajshahi, Khulna, Bogra, Sylhet, Rangpur and Barisal. Nationalized Commercial Banks (NCBs) |1. Sunali Bank | |2. Rupali bank | |3. Janata Bank | |4. Agrani Bank | Private Commercial Banks (PCBs) |1. Pubali Bank | |2. Uttara Bank | |3. National Bank | |4. The City Bank Ltd. | |5. United  Commercial  Bank Ltd. | |6. Arab  Bangladesh Bank Ltd. | |7. IFIC Bank  Ltd. | |8. Eastern Bank Ltd. | |9. National Credit & Comerce Bank Ltd. | |10. Prime Bank Ltd. | |11. South East bank Ltd. | |12. Dhaka Bank Ltd | |13. Dutch-Bangla  Bank Ltd. | |14. Mercantile Bank Ltd. | |15. Standard  Bank Ltd. | |16. One Bank  Ltd. | |17. EXIM Bank | |18. Bangladesh  Commerce Bank Ltd. | |19. Mutual  Trust Bank  Ltd. | |20. First  Security Bank Ltd. | |21. The Premier  Bank Ltd. | |22. Bank Asia  Ltd. | |23. The Trust Bank Ltd. | |24. Brac Bank Ltd. | Islamic Banks |1. Islami Bank Bangladesh Limited (IBBL) | |Al Baraka Bank Bangladesh Limited (AL-Baraka) | |Al-Arafah Islamic Bank Ltd. (Al-Arafah) | |Social Investment Bank Limited (SIBL) | |Faysal Islamic Bank of Bahrain EC (FIBB) | |6. Shah Jalal Bank Limited (Based on Islamic Shariah) | Foreign / Multinational Banks |1. Habib Bank Ltd. | |2. State Bank Of India | |3. Credit  Agricole Indosuez (The Bank) | |4. National  Bank of Pakistan  Ã‚   | |5. Muslim  Commercial Bank Ltd. | |6. City Bank NA | |7. Hanvit Bank Ltd. | |8. HSBC Ltd. | |9. Shamil   Islami  Bank Of   Bahrain EC | |10. Standard Chartered   Bank | Development Banks |1. Bangladesh  Krishi Bank | |2. Rajshahi Krishi Unnayan  Bank | |3. Bangladesh  Shilpa Bank | |4. Bangladesh  Shilpa Rin  Sangstha   | |5. Bank of  Small Industries &  Commerce  Ã‚  Bangladesh Ltd. | Other Banks |1. Ansar VDP  Unnayan  Bank   | |2. Bangladesh  Samabai  Bank Ltd. BSBL)   | |3. Grameen  Bank   | |4. Karmasansthan  Bank   | Credit Rating Status of Researching Banks Operating in Bangladesh |SL. NO. |Name of Bank |Credit Rating Report |Rating as of |Name of the Agency |Remarks | | | |Long Term |Short Term | | | | |01. |Dhaka Bank Ltd |- |- |31. 12. 6 |CRAB |Expected to | | | | | | | |complete | | | | | | | |by May' 07 | |02. |NCC Bank Ltd |- |- |- |CRAB |Expected to | | | | | | | |complete | | | | | | | |by May ‘ 07 | |03. National Bank Ltd | A |ST-2 |31/12/06 |CRAB |- | |04. |Al-Arafah Islami |- |- |31. 12. 06 |CRISL |Expected to | | |Bank Ltd | | | | |complete | |05. |Eastern Bank Ltd |A |ST-3 |30/06/06 |CRISL |- | |06. |The City Bank Ltd |A- |ST-3 |31/12/06 |CRISL |- | |07. |Uttara Bank Ltd |- |- |31. 12. 6 |CRISL |Expected to | | | | | | | |complete | | | | | | | |by 30. 06. 07 | |08. |Prime Bank Ltd |AA |ST-2 |31/12/06 |CRISL | | |09. |South East Bank Ltd|A |ST-3 |22/06/06 |CRAB |CR report based on | | | | | | | |Dec'06, | Source: Bangladesh Bank (www. bangladesh-bank. org) Chapter-2 Dhaka Bank Limited Key Profitability Ratios in Banking | |   |2001 |2002 |2003 |2004 |2005 | |Return on Asset( ROA) |0. 015 |0. 012 |0. 013 |0. 013 |0. 014 | |Net interest Margin |0. 019 |0. 021 |0. 019 |0. 022 |0. 023 | |Net non-interest Margin |0. 024 |0. 030 |0. 022 |0. 020 |0. 019 | |Net Bank Operating Margin |0. 49 |0. 243 |0. 285 |0. 282 |0. 311 | [pic] Return on Equity: Return on equity capital is a measure of the rate of return flowing to the banks shareholder. It approximates the net benefit that the shareholders have received from investing their capital in the bank. During the period of 2001-2005 the average return on the equity was 0. 274 which means 27. 4%. But if we look at every individual year we can say that it has decreased year by year. The ratio was decreased because of the bank has increased the equity capital over the year and declared the bonus share as a dividend. Return on Assets: The Return on the asset is primarily indicator of managerial efficiency. It indicates how capably the management of the bank has been converting the institutions assets into net earning. From the above analysis we can see that during the period of 2001-2005 the average ratio was 1. 3%. Return on assets has increased over time. That means the bank was able to increase the efficiency in managing asset from 2001-2005. Net Interest Margin: The net interest margin measures how large a spread between interest revenues and interest costs. Management has been able to achieve of close control over the banks earning assets and the pursuits of the cheapest source of funding. The average net bank interest margin for Dhaka bank was 2. 1% during 2001-2005. By looking at the table we can say that it has increased period by period accept 2003, which indicates a good signal for the Bank. Net Non Interest Margin: The non-interest margin measures the amount of non interest revenue streaming from deposits charges and other service fees the bank has been able to collect relative to the amount of non interest cost incurred (including salaries and wages, repair and maintenance cost on bank facilities and loan loss expense). The net non interest margin was 2. 30% during the period of 2001-2005. It has decline over the periods accept 2001. The income from the non interest source, like Treasury bill, commission on brokerage, and commission from the letter of credit has been declined over the years. Earning Per Share: | |2001 |2002 |2003 |2004 |2005 | |Earning Per Share |41. 255 |42. 635 |39. 024 |46. 894 |53. 864 | [pic] Earning per share measures the earning against per share. During the period 2001-2005, the average earning per share was Tk 44. 73. Though it is not so attractive figure for Dhaka Bank, but positive fact is it has increased over times. Breaking Down OF ROE |2001 |2002 |2003 |2004 |2005 | |Banks degree of asset utilization |0. 043 |0. 050 |0. 045 |0. 045 |0. 045 | |The banks equity multiplier |29. 02 |21. 33 |17. 20 |18. 94 |14. 92 | Net Profit Margin: Net profit margin has fluctuated over time. But if we look at the average which was 29. 39% with the past five years, we can say that last five years net profit margin was better. Banks Degree of Assets Utilization: Banks Degree of Assets Utilization was 4 . 5% during 2001-2005 which was not bad as compare to other banks. Equity Multiplier: [pic] During the period of 2001-2005 the average equity multiplier was 20. 283. By the equity multiplier ratio we can say that it is highest in 2001 which was 09. 02%. that means the risk of the failure was also highest for that period. As the risk was higher, we can say that the banks profit margin also was higher for that period. Liquidity Risk |   |2001 |2002 |2003 |2004 |2005 | |Cash and Due from Banks/Total Assets |0. 152 |0. 122 |0. 093 |0. 071 |0. 079 | |Cash and Government Securities/Total Assets |0. 062 |0. 076 |0. 98 |0. 137 |0. 155 | [pic] Purchased Funds/Total Assets: If the use of purchased is more that increases the chance of liquidity crunch in the event of withdrawals rises or the loan quality declines. During 2001-2005, as the average ratio was 1. 44%, we can say that the liquidity risk for the bank is lower for the Bank. Cash and Government Securities/Total Assets: Cash and Government securities was 10. 54% of the total assets on an average which was not so much good fo r the Bank because cash and government securities are the most liquid assets for a bank. So bank may face liquidity problem in the future. Credit Risk    |2001 |2002 |2003 |2004 |2005 | |Total Loans/Total Deposits |0. 56 |0. 67 |0. 70 |0. 74 |0. 82 | [pic] Provision for Loan Losses/Total Loans: Provision for Loan Losses/Total Loans indicates the amount which should be kept as provision for loan losses from the total loan. During the period (2001-2005) the average amount of provision for the loan loses was 0. 6%. This indicates a very good signal for the bank. That means Bank’s credit risk is very low because the bank has been able to collect the loan very efficiently. Total Loans/Total Deposits Total Loans/Total Deposits indicates the total loan amount that goes from the total deposit. During (2001-2005), on an average 68. 86% of the total deposit distribute as loan. This indicates they have distributed a big portion of their deposited amount as loan. That is some what risky but as their provision for loan losses was very low they will have no problems with this. Capital Risk |   |2001 |2002 |2003 |2004 |2005 | |Purchased Funds/Total Liabilities |0. 016 |0. 011 |0. 012 |0. 012 |0. 025 | [pic] Equity Capital/Total Assets: Equity Capital/Total Assets indicates that the amount of equity capital invested in the total assets. During the period of 2001-2005 their equity capital was on an average 5. 20% of their total assets, which indicates they have financed very few of their investment by equity and it is gradually increased over the period. Purchased Funds/Total Liabilities: Purchased Funds/Total Liabilities indicates that the amount of non deposit liability in the total liability structure. If the purchased fund increases that means the capital risk are also increases. During the period of 2001-2005 1. 52% of the liability was financed by the purchased fund that means non deposit sources which is not the core area of the business. That means the capital risk for the bank is low for the Bank. Chapter-3 NCC Bank Limited Key Profitability Ratios In Banking | |   |2001 |2002 |2003 |2004 |2005 | |Return on Asset( ROA) |0. 014 |0. 011 |0. 044 |0. 013 |0. 013 | |Net interest Margin |0. 024 |0. 024 |0. 232 |0. 020 |0. 023 | |Net non-interest Margin |0. 028 |0. 027 |0. 195 |0. 032 |0. 346 | |Net Bank Operati ng Margin |0. 280 |0. 230 |0. 080 |0. 255 |0. 240 | [pic] Return on Equity: Return on equity capital is a measure of the rate of return flowing to the banks shareholder. It approximates the net benefit that the shareholders have received from investing their capital in the bank. During the period of 2001-2005 the average return on the equity was to 19. 6%. If we compare it to the Dhaka Bank we can say that it is not good. The ratio was low because the bank has increased the equity capital over the year and declared the bonus share as a dividend. Return on Assets: The Return on the asset is primarily indicator of managerial efficiency. It indicates how proficiently the management of the bank has been converting the institutions assets into net earning. From the above analysis we can see that for the period of 2001-2005 the average ratio was 1. 9%. which was some what better than Dhaka Bank. That means the bank was able to increase the efficiency in managing asset from 2001-2005. Net Interest Margin: The net interest margin measures how large a spread between interest revenues and interest costs. Management has been able to achieve of close control over the banks earning assets and the pursuits of the cheapest source of funding. The net bank interest margin for Dhaka bank was 2. 1% during the year of 2001-2005. But the net margin of NCC Bank was 6. 46%. that means the banks was able to increase the cheapest source of funding from 2001-2005. Net Non Interest Margin: The non-interest margin measures the amount of non interest revenue streaming from deposits charges and other service fees the bank has been able to collect relative to the amount of non interest cost incurred (including salaries and wages, repair and maintenance cost on bank facilities and loan loss expense). The average net non interest margin was 12. 5% during the period of 2001-2005. That means the bank was able to collect more income from the non interest source and it has increases over time. They have been able to generate more income from the non interest source like Treasury bill, commission on brokerage, and commission from the letter of credit. Earning Per Share: |2001 |2002 |2003 |2004 |2005 | |Earnings Per Share |54. 14 |44. 47 |30. 99 |46. 91 |36. 11 | [pic] Earning per share measures the earning against per share. During the period of 2001-2005, the average earning per share was Tk 42. 524. Their earning per share has reduced over time and if we compare with other bank we can say that it is not sufficient. Breaking Down of ROE |   |2001 |2002 |2003 |2004 |2005 | |Banks degree of asset utilization |0. 052 |0. 50 |0. 544 |0. 052 |0. 056 | |The banks equity multiplier |16. 91 |20. 33 |1. 92 |17. 46 |14. 04 | Net Profit Margin: During 2001-2005 the average the net bank operating margin was 21. 7%. If we look at the individual data it is not good because it has fluctuated over time. Banks Degree of Assets Utilization: They have earned 15. 08% operating revenue in 2001-2005 by using their total assets. Over the period it was consistent accept 2003. Equity Multiplier: [pic] During the period of 2001-2005, the average equity multiplier was 14. 32. By the equity multiplier ratio we can say that it is substantially higher, that means the risk of the failure is also high for the period. As the risk is higher so the banks profit margin is also higher. Liquidity risk |   |2001 |2002 |2003 |2004 |2005 | |Cash and Due from Banks/Total Assets |0. 158 |0. 067 |0. 499 |0. 042 |0. 052 | |Cash and Government Securities/Total Assets |0. 100 |0. 148 |0. 166 |0. 208 |0. 110 | [pic] Purchased Funds/Total Assets: If the use of purchased funds are more that increases the chance of liquidity crunch in the event of withdrawals rises or the loan quality declines. During the period of 2001-2005, as the average ratio was 1. 44%, we can say that the liquidity risk for the bank was low. Cash and Government Securities/Total Assets: Average Cash and Government Securities/Total Assets in 2001-2005 was 44. 48%. The total assets have come from the cash and government securities. Credit Risk |   |2001 |2002 |2003 |2004 |2005 | |Provision for Loan Losses/Total Loans |0. 02 |0. 02 |0. 2 |0. 02 |0. 02 | |Total Loans/Total Deposits |0. 84 |0. 82 |0. 81 |0. 89 |0. 96 | [pic] Provision for Loan Losses/Total Loans: Provision for Loan Losses/Total Loans indicates the amount which should be kept as provision for loan losses from the total loan. During the period of 2001-2005 the average amount of provision for the loan loss was 1. 9% of the total loans. As the provision for the loan loss was very low, we can say that the credit risk for the bank was lower for the Bank and the bank has been able to collect the loan more efficiently. Total Loans/Total Deposits: Total Loans/Total Deposits indicates the total loan amount that goes from the total deposit. If we look at the graph we will see that the Total loan/Total Deposits gradually has increased over time. That means the Bank has increased the loan as well as credit risk. But historical data say that their loan collection is pretty impressive. On an average they have distributed 86. 19% of their deposits as loan. Capital Risk | |2001 |2002 |2003 |2004 |2005 | |Purchased Funds/Total Liabilities |0. 037 |0. 048 |0. 057 |0. 048 |0. 818 | [pic] Equity Capital/Total Assets: Equity Capital/Total Assets indicates that the amount of equity capital invested in the total assets. During the period of 2001-2005, on an average 15. 17% total asset was financed by the equity. If we think about the risk of the Bank, it is high. Because a huge amount of money they have financed by debt equity. Purchased Funds/Total Liabilities: Purchased Funds/Total Liabilities indicates that the amount of non deposit liability in the total liability structure. If the purchased fund increases that means the capital risk are also increases. During the period of 2001-2005, 20. 16% of the liability was financed by the purchased fund that means non deposit sources which is not the core area of the business. Chapter-4 National Bank |Key Profitability Ratios In Banking | |   |2001 |2002 |2003 |2004 |2005 | |Return on Asset( ROA) |0. 006 |0. 003 |0. 002 |0. 004 |0. 005 | |Net interest Margin |0. 012 |0. 011 |0. 011 |0. 012 |0. 011 | |Net non-interest Margin |0. 025 |0. 026 |0. 27 |0. 029 |0. 031 | |Net Bank Operating Margin |0. 224 |0. 083 |0. 048 |0. 087 |0. 118 | [pic] Return on Equity: Return on equity capital is a measure of the rate of return flowing to the banks shareholder. It approximates the net benefit that the shareholders have received from investing their capital in the bank. During the period of 2001-2005 the average return on the equity was 10. 1%. The ratio was not attractive because of the bank has increased the equity capital over the year and declared the bonus share as a dividend. The Return on Assets: The Return on the asset is primarily indicator of managerial efficiency. It indicates how capably the management of the bank has been converting the institutions assets into net earning. From the above analysis we can say that during the period of 2001-2005 the average ratio 0. 4%. It is not so attractive. The bank was not able to increase the efficiency in managing asset from 2001 to 2005. The net interest Margin: The net interest margin measures how large a spread between interest revenues and interest costs. Management has been able to achieve of close control over the banks earning assets and the pursuits of the cheapest source of funding. The net bank interest margin for Dhaka bank was 12% during 2001-2005. But the average net interest margin for National bank was 1. 14%. That means the banks was able to increase the cheapest source of funding from 2001 to 2005 but that is not substantial for the bank. The Non-interest Margin: The non-interest margin measures the amount of non interest revenue streaming from deposits charges and other service fees the bank has been able to collect relative to the amount of non interest cost incurred (including salaries and wages, repair and maintenance cost on bank facilities and loan loss expense). The average net non interest margin was 2. 8% for 2001-2005. Though it has increased over period, they were not able to generate more income from the non interest source like Treasury bill, commission on brokerage, and commission from the letter of credit. The performance of the bank is stable over the years. Earning Per Share: | |2001 |2002 |2003 |2004 |2005 | |Earnings Per Share |63. 78 |33. 98 |33. 09 |27. 44 |43. 85 | [pic] Earning per share measures the earning against per share. During the period of 2001-2005, the average earning per share was Tk 40. 420. Their earning per share has reduced over time and if we compare with other bank we can say that it is not sufficient. In the cases of National Bank if we look after the key profitability ratio then we can say that return on equity capital(ROE), and non interest margin, Return on asset (ROA) Net Bank Operating Margin, and Earning per share, ratio has been decreased for the period of 2001-2005. But, only the net bank operating margin has been increased. Return on equity capital (ROE) has been decreases because the bank has increased the equity capital for the years and given the bonus share as a dividend so the amount of equity increases during the period of 2001-2005. The earning per share also has been decreased for the period of 2001-2005. Breaking Down of ROE    |2001 |2002 |2003 |2004 |2005 | |Banks degree of asset utilization |0. 025 |0. 038 |0. 038 |0. 041 |0. 042 | |The banks equity multiplier |30. 99 |28. 07 |28. 18 |25. 79 |20. 13 | The net bank operating Margin: During the period of 2001-2005 the average the net bank operating margin was 11. 18% of the total assets. It was not stable over the period which is not a good sign for the bank. Bank Degree of Assets Utilization: Bank’s degree of the asset utilization has been increased during the period of 2001-2005. So return of asset has been also decreased for the same period. Net profit margin has been decreased substantially because the ratio of the equity multiplier was higher. Equity Multiplier: During the period of 2001-2005 the average equity multiplier was 26. 63. By the equity multiplier ratio we can say that it has substantially reduced over time, which means the risk of the failure has gradually increased over time. [pic] Liquidity Risk |   |2001 |2002 |2003 |2004 |2005 | |Cash and Due from Banks/Total Assets |0. 043 |0. 053 |0. 054 |0. 054 |0. 55 | |Cash and Government Securities/Total Assets |0. 060 |0. 088 |0. 087 |0. 068 |0. 038 | [pic] Purchased Funds/Total Assets: Purchased Funds/Total Assets if the use of purchased more that increases the chance of liquidity crunch in the event of withdrawals rises or the loan quality declines. During the period of 2001-2005 the average ratio for the bank was 3. 12%. We can say that the liquidity risk for the bank was not very high also stab le by the year Cash and Government Securities/Total Assets: Cash and Government Securities/Total Assets in 2001-2005 was 6. 82% of the total assets which has come from the cash and government security. Banks/Total Assets and Cash and Government Securities/Total Assets are also remains almost same for over the period so the liquidity risk for the bank has been remains low and same for the period. Credit Risk: |   |2001 |2002 |2003 |2004 |2005 | |Total Loans/Total Deposits |0. 84 |0. 82 |0. 81 |0. 89 |0. 96 | [pic] Provision for Loan Losses/Total Loans: Provision for Loan Losses/Total Loans indicates the amount which should be kept as provision for loan losses from the total loan. During the period of 2001-2005 the average amount of provision for the loan loss was 2. 09%. That means only 2. 09% of the funds were in risk to be uncollected. As the provision for the loan losses was low, we can say that the credit risk for the bank was not very high for the recent period. Total Loans/Total Deposits: Total Loans/Total Deposits indicates the total loan amount that goes from the total deposit. During 2001-2005 on an average 81. 11% of the total deposit they have distributed as loan. This is a very big portion and indicating a great change of credit risk for the bank. Capital Risk: |   |2001 |2002 |2003 |2004 |2005 | |Purchased Funds/Total Liabilities |0. 617 |0. 042 |0. 033 |0. 037 |0. 591 | [pic] Equity Capital/Total Assets: Equity Capital/Total Assets indicates that the amount of equity capital invested in the total assets. During the period of 2001-2005 on an average 3. 83% of the total asset was financed by the equity. That is indicating a very bad signal for the bank. Because they mostly they have financed their investment by debt capital which was very risky. Purchased Funds/Total Liabilities: Purchased Funds/Total Liabilities indicates that the amount of non deposit liability in the total liability structure. If the purchased fund increases that means the capital risk are also increases. During the period of 2001-2005 the ratio was drastically high for 2001 and 2005 and average ratio was 26. 39%. That means the capital risk for the bank was high for the bank. Chapter-5 Al Arafah Islami Bank Limited |Key Profitability Ratios In Banking | |   |2001 |2002 |2003 |2004 |2005 | |Return on Asset( ROA) |0. 002 |0. 006 |0. 012 |0. 012 |0. 017 | |Net interest Margin |0. 015 |0. 026 |0. 030 |0. 030 |0. 38 | |Net non-interest Margin |0. 017 |0. 015 |0. 018 |0. 018 |0. 022 | |Net Bank Operating Margin |0. 067 |0. 141 |0. 242 |0. 252 |0. 292 | [pic] Return on Equity: Return on equity capital is a measure of the rate of return flowing to the banks shareholder. It approximates the net benefit that the shareholders have received from investing their capital in the bank. During the period of 2001-2005 the average return on the equity was 14. 5% which was not attractive, but the good signal is that it has increased over time. Return on Assets: The Return on the asset is primarily indicator of managerial efficiency. It indicates how capably the management of the bank has been converting the institutions assets into net earning. From the above analysis we can say that during the period of 2001-2005 the return on asset was only 1. 00%. That means the bank was able to increase the efficiency in managing asset from 2001 to 2005. Net Interest margin: The net interest margin measures how large a spread between interest revenues and interest costs. Management has been able to achieve of close control over the banks earning assets and the pursuits of the cheapest source of funding. The average net bank interest margin for the bank was 2. 78% during the period of 2001-2005 which is also not so attractive. Non-interest Margin: The non-interest margin measures the amount of non interest revenue streaming from deposits charges and other service fees the bank has been able to collect relative to the amount of non interest cost incurred (including salaries and wages, repair and maintenance cost on bank facilities and loan loss expense). The net non interest margin was 1. 8% in 2001-2005. They wasn’t been able to generate more income from the non interest source like Treasury bill, commission on brokerage, and commission from the letter of credit. Earning Per Share: |2001 |2002 |2003 |2004 |2005 | |Earnings Per Share |101. 43 |312. 420 |251. 1 |263. 67 |387. 8 | [pic] Earning per share measures the earning against per share. During the period of 2001-2005, the earning per share was Tk 263. 18. If we compare with other bank we will see that their earning per sha re was very good. Breaking Down of ROE: |   |2001 |2002 |2003 |2004 |2005 | |Banks degree of asset utilization |0. 32 |0. 041 |0. 048 |0. 048 |0. 059 | |The banks equity multiplier |24. 968 |21. 447 |14. 754 |13. 449 |12. 564 | [pic] The Net Bank Operating Margin: During the period of 2001-2005 the average the net bank operating margin was 19. 87%. If we compare with other banks it was good. Another important thing is that it has increased over time. Degree of Operating Margin: On an average they have earned 4. 55% operating revenue during the period of 2001-2005 by using total asset. It was not so good. This indicates that they ware unable to utilize their assets. Equity Multiplier: During the period of 2001-2005 the equity multiplier was 17. 467. By analyzing the equity multiplier ratio we can say that it is substantially higher, that means the risk of the failure is also high for the period of 2001-2005. As the risk is higher so the banks profit margin is also higher. Liquidity Risk: |   |2001 |2002 |2003 |2004 |2005 | |Cash and Due from Banks/Total Assets |0. 080 |0. 090 |0. 089 |0. 093 |0. 201 | [pic] Purchased Funds/Total Assets: Purchased Funds/Total Assets if the use of purchased more that increases the chance of liquidity crunch in the event of withdrawals rises or the loan quality declines. During the period of 2001-2005 the average ratio was 7. 4%. Because of lower percentage we can say that the liquidity risk for the bank is also lower for the bank. Cash and Due from Banks/Total Assets: During the period of 2001-2005 on an average the bank had only 7. 42% cash and due from bank against their total assets. This indicates a very bad signal for the bank. Liquidity risk for the bank was very high for that period. Credit Risk: |   |2001 |2002 |2003 |2004 |2005 | |Provision for Loan Losses/Total Loans |0. 16 |0. 033 |0. 024 |0. 048 |0. 011 | [pic] Total Loans/Total Deposits: Total Loans/Total Deposits indicates the total loan amount that goes from the total deposit. During the period of 2001-2005, 84. 13% of the total deposit distribute as loan. They have distributed a big portion of their deposits as loan it could increase credit risk for the bank. Provision for Loan Losses/Total Loans: Provision for Loan Losses/Total Loans indicates the amount which should be kept as provision for loan losses from the total loan. During the period of 2001-2005 the average amount of provision for the loan loss was 2. 4%. As the provision for the loan losses was lower so we can say that the credit risk for the bank was also lower for the bank in that period, and the bank has been able to collect the loan more efficiently. Capital Risk |   |2001 |2002 |2003 |2004 |2005 | |Purchased Funds/Total Liabilities |0. 050 |0. 056 |0. 059 |0. 117 |0. 114 | [pic] Equity Capital/Total Assets: Equity Capital/Total Assets indicates that the amount of equity capital invested in the total assets. During the period of 2001-2005, on an average 6. 17% of the total asset was financed by the equity and it is gradually increased over the year and for the period. Purchased Funds/Total Liabilities: Purchased Funds/Total Liabilities indicates that the amount of non deposit liability in the total liability structure. If the purchased fund increases that means the capital risk are also increases. During the period of 2001-2005 they were able to maintain the ratio within 8. 00%. That means the capital risk for the bank was lower for the period. Though the bank is able to reduce the non-deposit source of funding but still they are exposed to a higher capital risk. Chapter-6 Eastern Bank Limited Key Profitability Ratios In Banking | | |2001 |2002 |2003 |2004 |2005 | |Return on Asset( ROA) |0. 02 |0. 02 |0. 02 |0. 02 |0. 02 | |Net interest Margin |0. 03 |0. 03 |0. 02 |0. 03 |0. 03 | |Net non-interest Margin |0. 02 |0. 02 |0. 03 |0. 03 |0. 03 | |Net Bank Operating Margin |0. 16 |0. 19 |0. 1 8 |0. 22 |0. 18 | [pic] Return on Equity: Return on equity capital is a measure of the rate of return flowing to the banks shareholder. It approximates the net benefit that the shareholders have received from investing their capital in the bank. During the period of 2001-2005 the average return on the equity was 17. 2%. The ratio was stable over the period. The bank has able to maintain the stability of income. Return on Assets: The Return on the asset is primarily indicator of managerial efficiency. It indicates how capably the management of the bank has been converting the institutions assets into net earning. During the period of 2001-2005 the average ratio was 2. 00%. It was not so attractive but good thing

The Best Alaskan Salmon in Ohio

The Best Alaskan Salmon in Ohio David Johnson DeVry University The Best Alaskan Salmon in Ohio If I said it was possible to have fresh, never frozen, Alaskan salmon delivered anywhere in the United States within two days of the fish being caught, people might call me crazy. I know I would but that is exactly what I found being advertised when I began searching for online retailers of Alaskan salmon. I have been enjoying salmon for a long time and living in central Ohio has forced me to try many avenues for the best salmon I could find.My choices were often limited to whatever stock of salmon was available at local retail locations that were often previously frozen. What I needed was a service that offered me a wide variety of wild, fresh salmon and Great-Alaska-Seafood exceeded my expectations with the best tasting salmon I have ever had. The first thing I look for when I buy salmon is quality and to me that means wild-caught, not farm raised salmon. The problem here is the vast majo rity of salmon sold in stores is sold as being â€Å"wild† from the Atlantic Ocean but this is not completely true.The trick here is fisheries are allowed to market their salmon as â€Å"wild† as long as the fish is allowed to swim in the Atlantic Ocean. However, they are still being fed processed food pellets. The main difference between wild and farm raised is their diet, which affects the overall quality of the fish. There are even health considerations that should be taken if farm raised fish is frequently consumed. Wild salmon from Alaska are considered by many as the best source of quality salmon available.Since this fishery was based out of Alaska I had some confidence I would be paying for the best salmon out there and they delivered on their promise. The freshness of the fish was also a big concern when I began to entertain the idea of making an order for salmon online. Locally I am often left to pick from Alaskan salmon filets that were previously frozen for transportation to Ohio, on the other hand, the first thing I noticed was this company offered free overnight shipping with a minimum purchase that was in my price range. This almost seemed too good to be true.Amongst many other online retailers I could not find a single competitor offering this service. With their service offering free overnight shipping with special packaging that involves dry-ice, I was able to purchase a fresh, never frozen, salmon. When I received my first order I was almost stunned that I could have an Alaskan salmon, just caught a day or two before, delivered to my door. This exceeded my expectations largely because I would have never thought it was possible. As much as I love salmon, everything must be taken in moderation. Eating the exact same type of salmon every week might get boring fast.So, I also needed a good amount of variety available to purchase amongst the different salmon species native to Alaska. The main types between salmon are â€Å"whiteâ₠¬  and â€Å"red† flesh and they taste distinctly different. When parlayed with the different locations and diets of the Alaskan salmon species, this allows for a lot of different ways to prepare and cook the fish. This is very important to me and I was very happy to see this company offered 8 different species of salmon. To add even more variety the company offers over 10 different smoking methods that add incredible flavor to the fish.All of which I have tried and taste phenomenal, including a variety of other seafood items they sell ranging from colossal crab legs to prawns that weigh one pound each. When I began my search for a new source of salmon I figured I would not have much luck living in Ohio. What I found was a company offering one of the best online services I have ever seen. The free overnight shipping plus the large variety of fresh salmon was exactly what I was looking for. I did a vast amount of research on multiple retailers that sell salmon and other seafo od online and what I found is, for us salmon lovers far from the ocean, this is best option available.

Free Essays on Mcglobalization

McGlobalization â€Å"We must use terministic screens, since we can’t really say anything without the use of terms; whatever terms we use, they necessarily constitute a corresponding kind of screen; and any such screen necessarily directs the attention to one field rather than the other. Within that field there can be different screens, each with its ways of directing the attention and shaping the range of observations implicit in the given terminology. All terminologies must implicitly and explicitly embody choices between the principle of continuity and the discontinuity.† Where would the world be in this day and age if everyone had the exact same experiences, exact same thoughts, and the exact same dreams? To think of such things is ridiculous. Humans would be nothing more than robots, all programmed to think and function in the exact same way. Each individual in the world has their own experiences, none of which that are identical. Not one person was raised identical to another. For every person there comes a screen, and for every experience an individual encounters comes another screen. Think of screens like this. A photographer has many different lenses. Each lens comes with their own unique qualities. So when the photographer switches his lens he is switching the entire picture. In regards to humans we are the photographer and each experience gives us a different view on things. The result of this gives us another screen. Writers and theorist are no exception to this. Newspapers and publications would not have such an impact on the wo rld if every person had the same view on things. We take in information from one and another and twist it all around in our heads to come up with our own individual ideas. Real life examples of this our seen everywhere. An issue I wish to address is how different people interpret the phenomenon, globalization. To help support this paper I will give examples from different auth... Free Essays on Mcglobalization Free Essays on Mcglobalization McGlobalization â€Å"We must use terministic screens, since we can’t really say anything without the use of terms; whatever terms we use, they necessarily constitute a corresponding kind of screen; and any such screen necessarily directs the attention to one field rather than the other. Within that field there can be different screens, each with its ways of directing the attention and shaping the range of observations implicit in the given terminology. All terminologies must implicitly and explicitly embody choices between the principle of continuity and the discontinuity.† Where would the world be in this day and age if everyone had the exact same experiences, exact same thoughts, and the exact same dreams? To think of such things is ridiculous. Humans would be nothing more than robots, all programmed to think and function in the exact same way. Each individual in the world has their own experiences, none of which that are identical. Not one person was raised identical to another. For every person there comes a screen, and for every experience an individual encounters comes another screen. Think of screens like this. A photographer has many different lenses. Each lens comes with their own unique qualities. So when the photographer switches his lens he is switching the entire picture. In regards to humans we are the photographer and each experience gives us a different view on things. The result of this gives us another screen. Writers and theorist are no exception to this. Newspapers and publications would not have such an impact on the wo rld if every person had the same view on things. We take in information from one and another and twist it all around in our heads to come up with our own individual ideas. Real life examples of this our seen everywhere. An issue I wish to address is how different people interpret the phenomenon, globalization. To help support this paper I will give examples from different auth...

40 Fish Idioms

40 Fish Idioms 40 Fish Idioms 40 Fish Idioms By Mark Nichol The ubiquity of fish in culinary traditions and the popularity of fishing as both a recreational pastime and a food-gathering activity has led to the development of many fish-based idioms, including those listed and described below. 1. all is fish that comes to his net: a proverb that alludes to a person’s resourcefulness 2–4. another/different/whole other kettle of fish: spoken to recognize an abrupt shift in the topic being discussed 5–6. better/other fish to fry: a reference to having more important things to do than what one is doing or than what is proposed 7. big fish: an important or influential person 8–9. big fish in a little/small pond: an important or influential person on an insignificant scale, such as in a small community 10. cold fish: a person who does not exude friendliness or show emotions 11. cry stinking fish (primarily British English): self-deprecate 12. drink like a fish: imbibe excessive amounts of alcohol 13–14. fine/pretty kettle of fish: a predicament 15. fish around: investigate 16–17. fish for a compliment/compliments: encourage someone to say something favorable about you without asking outright 18. fish in troubled waters: involve oneself in a dangerous or difficult situation to risk gaining an advantage 19. fish or cut bait: an admonition to act or to remove oneself as an obstacle to another person acting 20. fish out of water: a reference to a person who feels awkward or uncomfortable because he or she is in an unfamiliar environment 21–24. fish out/fish out of/fish up/fish up out of: retrieve (the first variation is also used literally to mean â€Å"deplete a body of water of its fish population by overfishing†) 25. fish story: an exaggerated account or tall tale, from the supposed tendency of fishermen to claim that the â€Å"one that got away† was larger than it actually was 26. fish-eating grin: smug smile 27. fish-eye lens: a type of wide-angle camera lens 28. fish: inept or stupid person 29. fishy: suspicious 30. like shooting fish in a barrel: a reference to something that is extremely easy to do, on the notion that fish swimming in a barrel rather than in open water make for an easy target 31–32. need (something) like/about as much as a fish needs a bicycle: a reference to the incompatibility of a fish and a bicycle to convey that something is utterly useless to someone 33. neither fish nor fowl: an allusion to something difficult to categorize, describe, or understand 34–35. odd/queer fish: a strange person 36–37. plenty of/more fish in the sea: a reference to the notion that many other romantic partners are available to one after the end of a relationship or after one is rejected by another person 38. teach a man to fish: the essence of a proverb, one version of which is â€Å"Give a man a fish, and you feed him for a day; teach a man to fish, and you feed him for a lifetime,† which means that it is better to teach someone to do something than to do it for him or her 39. The cat would eat fish but would not wet her feet: A proverbial comment referring to the necessity of enduring annoyance or taking risks to achieve goals 40. What’s that got to do with the price of fish? (primarily British English): a response to an irrelevant comment or a non sequitur 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 Vocabulary category, check our popular posts, or choose a related post below:Using "a" and "an" Before Words8 Writing Tips for Beginners40 Idioms with First

Part b Assignment Example | Topics and Well Written Essays - 1000 words

Part b - Assignment Example ntition, decreased appetite, decreased taste sensation, and presence of chronic illness, older adults are more likely to be nutritionally deficient, which put them at risk for hypoglycemic episodes (Roach, 2001, p. 321). Likewise, older adults frequently live alone and the non-recognition of the symptoms of hypoglycemia may lead to incidences of injury (Surrena, 2009, p. 387). Mr. Adams Douglas, 51 year-old male, was admitted to the hospital due to confusion. Assessment revealed a blood sugar of 2.1 mmol/L, a marked hypoglycemia. In addition, Mr. Douglas is receiving medication for diabetes and hypertension and stated that he administered full dose (26 units) of insulin in the morning although Mr. Douglas had not eaten anything prior to administration of insulin. Further assessment also revealed that Mr. Douglas smokes 1 pack of cigarette/day and has been living alone in a single bed unit. Upon admission to the hospital, Mr. Douglas’ current conditions include slurred speech, inability to remain still in the bed, feeling of weakness and lack of energy, and Glasgow Coma Scale of 13/15. Initial medical interventions were implemented in order to rule out hypoglycemic episodes. The first nursing diagnosis is the Risk for Injury related to decreased blood sugar level, secondary to insulin therapy. After two hours of nursing intervention, Mr. Douglas’ will be free from any form of injury by maintaining blood glucose levels between 2.7-3.3 mmol/L and identifying signs and symptoms of hypoglycemia. Nursing interventions include the following: assessment of serum glucose levels at bedside before administering oral hypoglycemic agents, before meals, and before going to sleep because serum glucose levels are more accurate parameters than urine glucose, which is affected by renal threshold and function of aging (Moyet, 2008, p. 856); assessment of signs and symptoms of hypoglycemia such as irritability, confusion, fatigue, weakness, sweating, shakiness, palpitation,